Home > One Florida Bank > Performance and Condition Ratios
One Florida Bank, Performance and Condition Ratios
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8346% | 1,499 |
Cost of funding earning assets | 2.7936% | 715 |
Net interest margin | 3.0410% | 3,016 |
Noninterest income to average assets | 0.1200% | 4,140 |
Noninterest expense to average assets | 1.8426% | 3,857 |
Loan and lease loss provision to assets | 0.0700% | 1,666 |
Net operating income to assets | 0.8650% | 2,490 |
Return on assets (ROA) | 0.8650% | 2,503 |
Pretax return on assets | 1.1768% | 2,051 |
Return on Equity (ROE) | 10.2600% | 2,112 |
Retained earnings to average equity (ytd only) | 10.2609% | 792 |
Net charge-offs to loans | 0.0000% | 2,849 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 59.6852% | 3,196 |
Assets per employee ($millions) | 11.1212% | 542 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8249% | 3,856 |
Loan loss allowance to noncurrent loans | 2,360.6250% | 374 |
Noncurrent assets plus other real estate owned to assets | 0.0265% | 3,572 |
Noncurrent loans to loans | 0.0349% | 3,557 |
Net loans and leases to total assets | 75.1500% | 1,234 |
Net loans and leases to deposits | 83.2488% | 1,868 |
Net loans and leases to core deposits | 93.0884% | 1,943 |
Total domestic deposits to total assets | 90.2700% | 517 |
Equity capital to assets | 8.4330% | 3,441 |
Core capital (leverage) ratio | 8.8231% | 3,891 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.8668% | 2,782 |
Memoranda: | ||
Average total assets | $1,720,581,750 | 653 |
Average earning assets | $1,678,297,000 | 620 |
Average equity | $145,039,000 | 734 |
Average total loans | $1,322,338,000 | 605 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7057% | 1,593 |
Cost of funding earning assets | 2.6950% | 774 |
Net interest margin | 3.0107% | 3,029 |
Noninterest income to average assets | 0.1200% | 4,137 |
Noninterest expense to average assets | 1.8510% | 3,854 |
Loan and lease loss provision to assets | 0.0500% | 1,906 |
Net operating income to assets | 0.8497% | 2,464 |
Return on assets (ROA) | 0.8497% | 2,478 |
Pretax return on assets | 1.1561% | 2,043 |
Return on Equity (ROE) | 10.0800% | 2,156 |
Retained earnings to average equity (ytd only) | 10.0808% | 860 |
Net charge-offs to loans | 0.0000% | 2,619 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 60.5521% | 3,157 |
Assets per employee ($millions) | 11.3448% | 489 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8186% | 3,893 |
Loan loss allowance to noncurrent loans | 3,694.1781% | 282 |
Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,623 |
Noncurrent loans to loans | 0.0222% | 3,613 |
Net loans and leases to total assets | 72.9200% | 1,539 |
Net loans and leases to deposits | 80.5050% | 2,159 |
Net loans and leases to core deposits | 86.0015% | 2,409 |
Total domestic deposits to total assets | 90.5700% | 558 |
Equity capital to assets | 8.1741% | 3,319 |
Core capital (leverage) ratio | 9.0660% | 3,674 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.9175% | 2,795 |
Memoranda: | ||
Average total assets | $1,689,859,333 | 667 |
Average earning assets | $1,647,731,667 | 635 |
Average equity | $142,429,000 | 740 |
Average total loans | $1,305,268,667 | 614 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2917% | 1,506 |
Cost of funding earning assets | 2.1371% | 718 |
Net interest margin | 3.1546% | 2,971 |
Noninterest income to average assets | 0.1000% | 4,288 |
Noninterest expense to average assets | 1.9405% | 3,753 |
Loan and lease loss provision to assets | 0.0900% | 1,416 |
Net operating income to assets | 0.8465% | 2,718 |
Return on assets (ROA) | 0.8465% | 2,695 |
Pretax return on assets | 1.1349% | 2,302 |
Return on Equity (ROE) | 10.2800% | 2,415 |
Retained earnings to average equity (ytd only) | 10.2816% | 943 |
Net charge-offs to loans | 0.0469% | 1,405 |
Credit loss provision to net charge-offs | 222.7523% | 1,146 |
Earnings coverage of net charge-offs (x) | 34.7817% | 1,536 |
Efficiency ratio | 61.3316% | 2,933 |
Assets per employee ($millions) | 9.6823% | 774 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8184% | 3,923 |
Loan loss allowance to noncurrent loans | 8,049.2308% | 162 |
Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,735 |
Noncurrent loans to loans | 0.0102% | 3,693 |
Net loans and leases to total assets | 80.3500% | 602 |
Net loans and leases to deposits | 89.5250% | 1,305 |
Net loans and leases to core deposits | 96.3821% | 1,634 |
Total domestic deposits to total assets | 89.7500% | 825 |
Equity capital to assets | 8.8085% | 2,818 |
Core capital (leverage) ratio | 9.1674% | 3,566 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.7906% | 2,843 |
Memoranda: | ||
Average total assets | $1,549,366,000 | 698 |
Average earning assets | $1,507,211,600 | 666 |
Average equity | $127,558,000 | 778 |
Average total loans | $1,162,337,400 | 650 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1232% | 1,587 |
Cost of funding earning assets | 1.9640% | 754 |
Net interest margin | 3.1592% | 3,007 |
Noninterest income to average assets | 0.1000% | 4,299 |
Noninterest expense to average assets | 1.9377% | 3,740 |
Loan and lease loss provision to assets | 0.0700% | 1,559 |
Net operating income to assets | 0.8654% | 2,814 |
Return on assets (ROA) | 0.8654% | 2,795 |
Pretax return on assets | 1.1637% | 2,380 |
Return on Equity (ROE) | 10.7000% | 2,450 |
Retained earnings to average equity (ytd only) | 10.7033% | 1,215 |
Net charge-offs to loans | 0.0641% | 1,025 |
Credit loss provision to net charge-offs | 101.4679% | 1,604 |
Earnings coverage of net charge-offs (x) | 26.0899% | 1,677 |
Efficiency ratio | 61.1832% | 2,821 |
Assets per employee ($millions) | 10.1066% | 639 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8170% | 3,951 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 73.6000% | 1,389 |
Net loans and leases to deposits | 81.3544% | 1,947 |
Net loans and leases to core deposits | 86.7265% | 2,139 |
Total domestic deposits to total assets | 90.4700% | 821 |
Equity capital to assets | 8.0852% | 2,999 |
Core capital (leverage) ratio | 8.8676% | 3,896 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.7578% | 2,859 |
Memoranda: | ||
Average total assets | $1,542,153,750 | 703 |
Average earning assets | $1,499,026,000 | 671 |
Average equity | $124,693,250 | 784 |
Average total loans | $1,133,288,250 | 663 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9392% | 1,678 |
Cost of funding earning assets | 1.7523% | 811 |
Net interest margin | 3.1869% | 3,023 |
Noninterest income to average assets | 0.0900% | 4,358 |
Noninterest expense to average assets | 1.9594% | 3,691 |
Loan and lease loss provision to assets | 0.0700% | 1,542 |
Net operating income to assets | 0.8480% | 2,929 |
Return on assets (ROA) | 0.8480% | 2,936 |
Pretax return on assets | 1.1537% | 2,494 |
Return on Equity (ROE) | 10.4900% | 2,557 |
Retained earnings to average equity (ytd only) | 10.4877% | 1,281 |
Net charge-offs to loans | 0.0050% | 2,088 |
Credit loss provision to net charge-offs | 1,021.4286% | 404 |
Earnings coverage of net charge-offs (x) | 330.7857% | 419 |
Efficiency ratio | 61.6099% | 2,760 |
Assets per employee ($millions) | 9.6714% | 735 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8511% | 3,901 |
Loan loss allowance to noncurrent loans | 763.9058% | 1,151 |
Noncurrent assets plus other real estate owned to assets | 0.0850% | 2,941 |
Noncurrent loans to loans | 0.1114% | 2,926 |
Net loans and leases to total assets | 75.6900% | 1,085 |
Net loans and leases to deposits | 83.0227% | 1,757 |
Net loans and leases to core deposits | 88.5361% | 1,893 |
Total domestic deposits to total assets | 91.1600% | 606 |
Equity capital to assets | 8.2616% | 3,045 |
Core capital (leverage) ratio | 9.1926% | 3,559 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.6251% | 2,892 |
Memoranda: | ||
Average total assets | $1,517,186,667 | 702 |
Average earning assets | $1,473,024,667 | 671 |
Average equity | $122,677,000 | 794 |
Average total loans | $1,111,075,667 | 658 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6923% | 1,869 |
Cost of funding earning assets | 1.5612% | 748 |
Net interest margin | 3.1311% | 3,285 |
Noninterest income to average assets | 0.0800% | 4,443 |
Noninterest expense to average assets | 1.9831% | 3,663 |
Loan and lease loss provision to assets | -0.0100% | 4,432 |
Net operating income to assets | 0.8455% | 3,035 |
Return on assets (ROA) | 0.8455% | 2,990 |
Pretax return on assets | 1.1504% | 2,568 |
Return on Equity (ROE) | 10.5800% | 2,613 |
Retained earnings to average equity (ytd only) | 10.5750% | 1,564 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 63.5789% | 2,515 |
Assets per employee ($millions) | 9.9751% | 706 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8495% | 3,992 |
Loan loss allowance to noncurrent loans | 994.9153% | 988 |
Noncurrent assets plus other real estate owned to assets | 0.0599% | 3,182 |
Noncurrent loans to loans | 0.0854% | 3,130 |
Net loans and leases to total assets | 69.5500% | 1,668 |
Net loans and leases to deposits | 75.9918% | 2,118 |
Net loans and leases to core deposits | 80.8256% | 2,191 |
Total domestic deposits to total assets | 91.5300% | 642 |
Equity capital to assets | 7.7567% | 3,409 |
Core capital (leverage) ratio | 8.9632% | 3,775 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.8383% | 2,964 |
Memoranda: | ||
Average total assets | $1,502,071,500 | 723 |
Average earning assets | $1,456,854,000 | 692 |
Average equity | $120,094,500 | 818 |
Average total loans | $1,075,991,500 | 682 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7182% | 2,479 |
Cost of funding earning assets | 0.5656% | 1,039 |
Net interest margin | 3.1526% | 3,013 |
Noninterest income to average assets | 0.1300% | 4,308 |
Noninterest expense to average assets | 1.8873% | 3,855 |
Loan and lease loss provision to assets | 0.0900% | 1,322 |
Net operating income to assets | 0.8715% | 3,073 |
Return on assets (ROA) | 0.8715% | 3,009 |
Pretax return on assets | 1.1857% | 2,483 |
Return on Equity (ROE) | 11.0200% | 2,470 |
Retained earnings to average equity (ytd only) | 11.0236% | 882 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 59.6577% | 3,104 |
Assets per employee ($millions) | 9.3952% | 814 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9361% | 3,641 |
Loan loss allowance to noncurrent loans | 1,048.7152% | 962 |
Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,150 |
Noncurrent loans to loans | 0.0893% | 3,119 |
Net loans and leases to total assets | 72.5900% | 1,355 |
Net loans and leases to deposits | 79.8023% | 1,788 |
Net loans and leases to core deposits | 84.0510% | 1,875 |
Total domestic deposits to total assets | 90.9600% | 977 |
Equity capital to assets | 8.2585% | 2,886 |
Core capital (leverage) ratio | 8.8253% | 3,839 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.2272% | 2,936 |
Memoranda: | ||
Average total assets | $1,403,473,600 | 743 |
Average earning assets | $1,350,971,600 | 711 |
Average equity | $110,952,400 | 875 |
Average total loans | $939,042,400 | 725 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4172% | 2,870 |
Cost of funding earning assets | 0.3412% | 1,776 |
Net interest margin | 3.0759% | 3,002 |
Noninterest income to average assets | 0.1300% | 4,339 |
Noninterest expense to average assets | 1.8495% | 3,875 |
Loan and lease loss provision to assets | 0.1300% | 800 |
Net operating income to assets | 0.8176% | 3,180 |
Return on assets (ROA) | 0.8176% | 3,144 |
Pretax return on assets | 1.1124% | 2,683 |
Return on Equity (ROE) | 10.4600% | 2,587 |
Retained earnings to average equity (ytd only) | 10.4619% | 1,208 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 59.8462% | 3,132 |
Assets per employee ($millions) | 9.4840% | 767 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0012% | 3,476 |
Loan loss allowance to noncurrent loans | 1,040.1475% | 926 |
Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,223 |
Noncurrent loans to loans | 0.0963% | 3,188 |
Net loans and leases to total assets | 68.6100% | 1,603 |
Net loans and leases to deposits | 74.8125% | 1,972 |
Net loans and leases to core deposits | 78.4166% | 2,010 |
Total domestic deposits to total assets | 91.7100% | 970 |
Equity capital to assets | 7.6190% | 3,144 |
Core capital (leverage) ratio | 8.3746% | 4,166 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.0101% | 3,037 |
Memoranda: | ||
Average total assets | $1,397,323,750 | 754 |
Average earning assets | $1,343,687,250 | 721 |
Average equity | $109,206,000 | 902 |
Average total loans | $912,201,750 | 741 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1621% | 3,160 |
Cost of funding earning assets | 0.2287% | 2,524 |
Net interest margin | 2.9335% | 3,075 |
Noninterest income to average assets | 0.1495% | 4,267 |
Noninterest expense to average assets | 1.7911% | 3,980 |
Loan and lease loss provision to assets | 0.0932% | 1,066 |
Net operating income to assets | 0.7969% | 2,967 |
Return on assets (ROA) | 0.7969% | 2,939 |
Pretax return on assets | 1.0842% | 2,464 |
Return on Equity (ROE) | 10.1098% | 2,295 |
Retained earnings to average equity (ytd only) | 10.1098% | 984 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.3376% | 3,253 |
Assets per employee ($millions) | 9.9387% | 675 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0009% | 3,590 |
Loan loss allowance to noncurrent loans | 918.0180% | 1,006 |
Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,264 |
Noncurrent loans to loans | 0.1090% | 3,206 |
Net loans and leases to total assets | 64.2748% | 1,881 |
Net loans and leases to deposits | 69.9967% | 2,204 |
Net loans and leases to core deposits | 74.3860% | 2,138 |
Total domestic deposits to total assets | 91.8255% | 918 |
Equity capital to assets | 7.6933% | 3,349 |
Core capital (leverage) ratio | 8.3020% | 4,104 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.4988% | 2,925 |
Memoranda: | ||
Average total assets | $1,388,896,333 | 749 |
Average earning assets | $1,334,667,333 | 721 |
Average equity | $109,478,333 | 907 |
Average total loans | $887,640,667 | 748 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0641% | 3,072 |
Cost of funding earning assets | 0.2256% | 2,458 |
Net interest margin | 2.8386% | 3,018 |
Noninterest income to average assets | 0.1115% | 4,448 |
Noninterest expense to average assets | 1.8045% | 3,930 |
Loan and lease loss provision to assets | 0.0755% | 1,091 |
Net operating income to assets | 0.6983% | 3,061 |
Return on assets (ROA) | 0.6983% | 3,051 |
Pretax return on assets | 0.9500% | 2,602 |
Return on Equity (ROE) | 8.7510% | 2,415 |
Retained earnings to average equity (ytd only) | 8.7510% | 1,348 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.7632% | 3,058 |
Assets per employee ($millions) | 9.9660% | 686 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9987% | 3,739 |
Loan loss allowance to noncurrent loans | 855.3067% | 1,011 |
Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,330 |
Noncurrent loans to loans | 0.1168% | 3,244 |
Net loans and leases to total assets | 62.8567% | 1,759 |
Net loans and leases to deposits | 68.5209% | 2,097 |
Net loans and leases to core deposits | 71.7493% | 2,135 |
Total domestic deposits to total assets | 91.7335% | 684 |
Equity capital to assets | 7.8734% | 3,666 |
Core capital (leverage) ratio | 8.2081% | 4,147 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.6191% | 2,963 |
Memoranda: | ||
Average total assets | $1,377,694,000 | 756 |
Average earning assets | $1,319,391,500 | 734 |
Average equity | $109,930,000 | 931 |
Average total loans | $873,320,000 | 746 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3286% | 3,118 |
Cost of funding earning assets | 0.2609% | 2,800 |
Net interest margin | 3.0678% | 3,001 |
Noninterest income to average assets | 0.1738% | 4,286 |
Noninterest expense to average assets | 2.1369% | 3,282 |
Loan and lease loss provision to assets | 0.2872% | 292 |
Net operating income to assets | 0.7829% | 3,386 |
Return on assets (ROA) | 0.7829% | 3,454 |
Pretax return on assets | 0.6641% | 4,004 |
Return on Equity (ROE) | 7.9694% | 3,229 |
Retained earnings to average equity (ytd only) | 7.9694% | 1,556 |
Net charge-offs to loans | -0.0003% | 3,210 |
Credit loss provision to net charge-offs | -155,300.0000% | 4,305 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.1939% | 1,832 |
Assets per employee ($millions) | 10.0744% | 648 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9830% | 3,816 |
Loan loss allowance to noncurrent loans | 807.1970% | 1,008 |
Noncurrent assets plus other real estate owned to assets | 0.0771% | 3,414 |
Noncurrent loans to loans | 0.1218% | 3,320 |
Net loans and leases to total assets | 62.6659% | 1,859 |
Net loans and leases to deposits | 68.4778% | 2,263 |
Net loans and leases to core deposits | 71.5467% | 2,298 |
Total domestic deposits to total assets | 91.5128% | 312 |
Equity capital to assets | 8.0863% | 4,316 |
Core capital (leverage) ratio | 8.7008% | 3,720 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.8538% | 2,921 |
Memoranda: | ||
Average total assets | $1,081,396,400 | 903 |
Average earning assets | $1,027,326,000 | 883 |
Average equity | $106,232,000 | 962 |
Average total loans | $746,850,400 | 836 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4066% | 3,085 |
Cost of funding earning assets | 0.2651% | 2,955 |
Net interest margin | 3.1415% | 2,931 |
Noninterest income to average assets | 0.1789% | 4,306 |
Noninterest expense to average assets | 2.1838% | 3,122 |
Loan and lease loss provision to assets | 0.3205% | 236 |
Net operating income to assets | 0.6537% | 3,888 |
Return on assets (ROA) | 0.6537% | 3,941 |
Pretax return on assets | 0.6537% | 4,151 |
Return on Equity (ROE) | 6.2775% | 3,849 |
Retained earnings to average equity (ytd only) | 6.2775% | 2,706 |
Net charge-offs to loans | -0.0004% | 3,073 |
Credit loss provision to net charge-offs | -121,300.0000% | 4,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.1516% | 1,692 |
Assets per employee ($millions) | 8.7238% | 982 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9493% | 4,009 |
Loan loss allowance to noncurrent loans | 741.3989% | 1,005 |
Noncurrent assets plus other real estate owned to assets | 0.0926% | 3,477 |
Noncurrent loans to loans | 0.1280% | 3,462 |
Net loans and leases to total assets | 71.6162% | 907 |
Net loans and leases to deposits | 79.3137% | 1,348 |
Net loans and leases to core deposits | 83.6928% | 1,450 |
Total domestic deposits to total assets | 90.2949% | 635 |
Equity capital to assets | 9.4013% | 3,468 |
Core capital (leverage) ratio | 9.9544% | 2,567 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.5321% | 2,848 |
Memoranda: | ||
Average total assets | $1,009,215,750 | 970 |
Average earning assets | $957,069,750 | 951 |
Average equity | $105,092,000 | 985 |
Average total loans | $716,782,500 | 877 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4186% | 3,122 |
Cost of funding earning assets | 0.2754% | 3,037 |
Net interest margin | 3.1432% | 2,913 |
Noninterest income to average assets | 0.2059% | 4,172 |
Noninterest expense to average assets | 2.1321% | 3,295 |
Loan and lease loss provision to assets | 0.3064% | 276 |
Net operating income to assets | 0.7374% | 3,663 |
Return on assets (ROA) | 0.7374% | 3,730 |
Pretax return on assets | 0.7374% | 3,992 |
Return on Equity (ROE) | 6.8201% | 3,699 |
Retained earnings to average equity (ytd only) | 6.8201% | 2,496 |
Net charge-offs to loans | -0.0006% | 3,049 |
Credit loss provision to net charge-offs | -73,900.0000% | 4,134 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.1323% | 1,995 |
Assets per employee ($millions) | 8.7968% | 924 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9205% | 4,098 |
Loan loss allowance to noncurrent loans | 650.5660% | 1,032 |
Noncurrent assets plus other real estate owned to assets | 0.1238% | 3,408 |
Noncurrent loans to loans | 0.1415% | 3,491 |
Net loans and leases to total assets | 68.0508% | 1,437 |
Net loans and leases to deposits | 75.6592% | 1,853 |
Net loans and leases to core deposits | 80.1863% | 1,873 |
Total domestic deposits to total assets | 89.9438% | 807 |
Equity capital to assets | 9.7268% | 3,112 |
Core capital (leverage) ratio | 10.8402% | 1,696 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1614% | 2,304 |
Memoranda: | ||
Average total assets | $964,682,333 | 993 |
Average earning assets | $911,544,667 | 985 |
Average equity | $104,309,667 | 983 |
Average total loans | $680,281,667 | 924 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5047% | 2,912 |
Cost of funding earning assets | 0.2952% | 3,049 |
Net interest margin | 3.2095% | 2,665 |
Noninterest income to average assets | 0.1686% | 4,356 |
Noninterest expense to average assets | 2.2613% | 2,902 |
Loan and lease loss provision to assets | 0.2129% | 553 |
Net operating income to assets | 0.6947% | 3,723 |
Return on assets (ROA) | 0.6947% | 3,784 |
Pretax return on assets | 0.6947% | 4,029 |
Return on Equity (ROE) | 6.0572% | 3,844 |
Retained earnings to average equity (ytd only) | 6.0572% | 2,876 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.3566% | 1,556 |
Assets per employee ($millions) | 8.2468% | 1,080 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8792% | 4,215 |
Loan loss allowance to noncurrent loans | 15,117.9487% | 64 |
Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,119 |
Noncurrent loans to loans | 0.0058% | 4,302 |
Net loans and leases to total assets | 68.3065% | 1,490 |
Net loans and leases to deposits | 76.9928% | 1,799 |
Net loans and leases to core deposits | 81.7879% | 1,858 |
Total domestic deposits to total assets | 88.7180% | 1,490 |
Equity capital to assets | 10.6703% | 2,116 |
Core capital (leverage) ratio | 12.1145% | 1,120 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6054% | 1,703 |
Memoranda: | ||
Average total assets | $901,621,000 | 1,036 |
Average earning assets | $842,864,000 | 1,033 |
Average equity | $103,414,500 | 984 |
Average total loans | $645,824,000 | 954 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5775% | 3,858 |
Cost of funding earning assets | 0.5418% | 2,667 |
Net interest margin | 3.0358% | 3,810 |
Noninterest income to average assets | 0.2195% | 4,182 |
Noninterest expense to average assets | 2.8326% | 1,858 |
Loan and lease loss provision to assets | 0.3908% | 817 |
Net operating income to assets | -0.1707% | 4,810 |
Return on assets (ROA) | -0.1557% | 4,822 |
Pretax return on assets | -0.1557% | 4,810 |
Return on Equity (ROE) | -0.9685% | 4,818 |
Retained earnings to average equity (ytd only) | -0.9685% | 4,634 |
Net charge-offs to loans | 0.0011% | 3,388 |
Credit loss provision to net charge-offs | 50,240.0000% | 21 |
Earnings coverage of net charge-offs (x) | 283.0000% | 362 |
Efficiency ratio | 92.7887% | 297 |
Assets per employee ($millions) | 7.4785% | 1,298 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8721% | 4,265 |
Loan loss allowance to noncurrent loans | 13,209.7561% | 84 |
Noncurrent assets plus other real estate owned to assets | 0.0399% | 4,152 |
Noncurrent loans to loans | 0.0066% | 4,367 |
Net loans and leases to total assets | 74.1617% | 1,005 |
Net loans and leases to deposits | 85.1358% | 1,332 |
Net loans and leases to core deposits | 91.3761% | 1,432 |
Total domestic deposits to total assets | 87.1098% | 1,884 |
Equity capital to assets | 12.4071% | 1,365 |
Core capital (leverage) ratio | 12.7495% | 966 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.8357% | 1,300 |
Memoranda: | ||
Average total assets | $642,756,000 | 1,264 |
Average earning assets | $599,880,000 | 1,262 |
Average equity | $103,355,800 | 938 |
Average total loans | $463,095,000 | 1,201 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5254% | 4,159 |
Cost of funding earning assets | 0.6171% | 2,509 |
Net interest margin | 2.9084% | 4,168 |
Noninterest income to average assets | 0.2072% | 4,233 |
Noninterest expense to average assets | 2.9035% | 1,697 |
Loan and lease loss provision to assets | 0.4002% | 881 |
Net operating income to assets | -0.3748% | 4,877 |
Return on assets (ROA) | -0.3533% | 4,881 |
Pretax return on assets | -0.3533% | 4,873 |
Return on Equity (ROE) | -2.0351% | 4,862 |
Retained earnings to average equity (ytd only) | -2.0351% | 4,706 |
Net charge-offs to loans | -0.0044% | 4,027 |
Credit loss provision to net charge-offs | -12,778.5714% | 4,376 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.1292% | 182 |
Assets per employee ($millions) | 7.2204% | 1,364 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8362% | 4,271 |
Loan loss allowance to noncurrent loans | 1,189.8990% | 512 |
Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,189 |
Noncurrent loans to loans | 0.0703% | 4,092 |
Net loans and leases to total assets | 70.3526% | 1,896 |
Net loans and leases to deposits | 81.1393% | 2,185 |
Net loans and leases to core deposits | 83.8067% | 2,494 |
Total domestic deposits to total assets | 86.7059% | 1,769 |
Equity capital to assets | 12.8959% | 1,229 |
Core capital (leverage) ratio | 14.5778% | 612 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.1097% | 900 |
Memoranda: | ||
Average total assets | $595,915,250 | 1,319 |
Average earning assets | $557,684,250 | 1,313 |
Average equity | $103,446,250 | 930 |
Average total loans | $423,607,250 | 1,280 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7038% | 4,084 |
Cost of funding earning assets | 0.7787% | 1,940 |
Net interest margin | 2.9251% | 4,269 |
Noninterest income to average assets | 0.1744% | 4,417 |
Noninterest expense to average assets | 3.2000% | 1,158 |
Loan and lease loss provision to assets | 0.4020% | 1,001 |
Net operating income to assets | -0.6923% | 4,933 |
Return on assets (ROA) | -0.6561% | 4,930 |
Pretax return on assets | -0.6561% | 4,925 |
Return on Equity (ROE) | -3.3492% | 4,902 |
Retained earnings to average equity (ytd only) | -3.3492% | 4,682 |
Net charge-offs to loans | -0.0074% | 4,121 |
Credit loss provision to net charge-offs | -7,607.1429% | 4,168 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 109.9766% | 117 |
Assets per employee ($millions) | 6.2446% | 1,993 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8178% | 4,301 |
Loan loss allowance to noncurrent loans | 997.0000% | 565 |
Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,183 |
Noncurrent loans to loans | 0.0820% | 4,129 |
Net loans and leases to total assets | 71.7117% | 1,767 |
Net loans and leases to deposits | 85.1588% | 1,863 |
Net loans and leases to core deposits | 89.0778% | 2,153 |
Total domestic deposits to total assets | 84.2094% | 2,676 |
Equity capital to assets | 15.3053% | 568 |
Core capital (leverage) ratio | 16.6613% | 377 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.3982% | 548 |
Memoranda: | ||
Average total assets | $529,806,333 | 1,435 |
Average earning assets | $495,443,000 | 1,425 |
Average equity | $103,786,667 | 924 |
Average total loans | $376,982,333 | 1,406 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9998% | 3,788 |
Cost of funding earning assets | 1.1477% | 915 |
Net interest margin | 2.8521% | 4,500 |
Noninterest income to average assets | 0.1320% | 4,710 |
Noninterest expense to average assets | 3.5305% | 891 |
Loan and lease loss provision to assets | 0.5316% | 549 |
Net operating income to assets | -1.2643% | 5,010 |
Return on assets (ROA) | -1.2643% | 4,993 |
Pretax return on assets | -1.2643% | 4,977 |
Return on Equity (ROE) | -5.5578% | 4,937 |
Retained earnings to average equity (ytd only) | -5.5578% | 4,558 |
Net charge-offs to loans | -0.0174% | 4,287 |
Credit loss provision to net charge-offs | -4,342.8571% | 3,846 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 126.1875% | 87 |
Assets per employee ($millions) | 4.9686% | 2,683 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0009% | 3,708 |
Loan loss allowance to noncurrent loans | 786.4143% | 667 |
Noncurrent assets plus other real estate owned to assets | 0.1083% | 4,077 |
Noncurrent loans to loans | 0.1273% | 4,010 |
Net loans and leases to total assets | 70.2945% | 2,201 |
Net loans and leases to deposits | 90.3151% | 1,470 |
Net loans and leases to core deposits | 96.4325% | 1,754 |
Total domestic deposits to total assets | 77.8325% | 4,244 |
Equity capital to assets | 20.8007% | 211 |
Core capital (leverage) ratio | 22.6497% | 157 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.7192% | 409 |
Memoranda: | ||
Average total assets | $457,503,000 | 1,578 |
Average earning assets | $427,619,500 | 1,567 |
Average equity | $104,069,500 | 918 |
Average total loans | $321,663,000 | 1,554 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0403% | 4,164 |
Cost of funding earning assets | 1.1315% | 1,223 |
Net interest margin | 2.9088% | 4,644 |
Noninterest income to average assets | 0.2133% | 4,394 |
Noninterest expense to average assets | 4.6008% | 279 |
Loan and lease loss provision to assets | 1.0036% | 94 |
Net operating income to assets | -2.2446% | 5,137 |
Return on assets (ROA) | -2.2446% | 5,135 |
Pretax return on assets | -2.6920% | 5,140 |
Return on Equity (ROE) | -7.0554% | 5,099 |
Retained earnings to average equity (ytd only) | -7.5195% | 5,036 |
Net charge-offs to loans | 0.0049% | 3,496 |
Credit loss provision to net charge-offs | 34,957.1429% | 4 |
Earnings coverage of net charge-offs (x) | -588.1429% | 3,723 |
Efficiency ratio | 157.9777% | 39 |
Assets per employee ($millions) | 4.6070% | 3,076 |
Cash dividends to net income (ytd only)* | -6.5777% | 5,154 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0013% | 3,501 |
Loan loss allowance to noncurrent loans | 650.7830% | 793 |
Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,005 |
Noncurrent loans to loans | 0.1539% | 3,912 |
Net loans and leases to total assets | 68.6057% | 2,599 |
Net loans and leases to deposits | 93.2037% | 1,229 |
Net loans and leases to core deposits | 101.3882% | 1,453 |
Total domestic deposits to total assets | 73.6084% | 4,791 |
Equity capital to assets | 25.2553% | 122 |
Core capital (leverage) ratio | 27.5187% | 92 |
Tier 1 risk-based capital ratio | 31.0685% | 440 |
Total risk-based capital ratio | 31.9310% | 445 |
Memoranda: | ||
Average total assets | $243,829,400 | 2,501 |
Average earning assets | $226,247,600 | 2,489 |
Average equity | $77,571,400 | 1,115 |
Average total loans | $141,607,800 | 2,705 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9917% | 4,380 |
Cost of funding earning assets | 1.0512% | 1,534 |
Net interest margin | 2.9405% | 4,706 |
Noninterest income to average assets | 0.2507% | 4,239 |
Noninterest expense to average assets | 4.7291% | 258 |
Loan and lease loss provision to assets | 1.0288% | 88 |
Net operating income to assets | -2.4022% | 5,218 |
Return on assets (ROA) | -2.4022% | 5,217 |
Pretax return on assets | -2.7676% | 5,221 |
Return on Equity (ROE) | -6.8146% | 5,178 |
Retained earnings to average equity (ytd only) | -7.4955% | 5,116 |
Net charge-offs to loans | 0.0013% | 3,409 |
Credit loss provision to net charge-offs | 154,300.0000% | 1 |
Earnings coverage of net charge-offs (x) | -2,614.4737% | 3,454 |
Efficiency ratio | 158.1494% | 36 |
Assets per employee ($millions) | 4.8817% | 2,684 |
Cash dividends to net income (ytd only)* | -9.9917% | 5,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0009% | 3,566 |
Loan loss allowance to noncurrent loans | 442.9515% | 1,084 |
Noncurrent assets plus other real estate owned to assets | 0.1602% | 3,939 |
Noncurrent loans to loans | 0.2260% | 3,736 |
Net loans and leases to total assets | 56.5926% | 4,004 |
Net loans and leases to deposits | 82.4194% | 2,630 |
Net loans and leases to core deposits | 91.3123% | 2,435 |
Total domestic deposits to total assets | 68.6641% | 5,044 |
Equity capital to assets | 30.6308% | 68 |
Core capital (leverage) ratio | 35.5637% | 57 |
Tier 1 risk-based capital ratio | 52.8203% | 118 |
Total risk-based capital ratio | 53.8120% | 118 |
Memoranda: | ||
Average total assets | $199,977,000 | 2,863 |
Average earning assets | $186,316,000 | 2,854 |
Average equity | $70,494,250 | 1,212 |
Average total loans | $104,377,000 | 3,201 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8278% | 4,679 |
Cost of funding earning assets | 0.8914% | 2,194 |
Net interest margin | 2.9364% | 4,772 |
Noninterest income to average assets | 0.2034% | 4,532 |
Noninterest expense to average assets | 5.5795% | 157 |
Loan and lease loss provision to assets | 1.0985% | 88 |
Net operating income to assets | -3.2139% | 5,277 |
Return on assets (ROA) | -3.2139% | 5,278 |
Pretax return on assets | -3.7464% | 5,281 |
Return on Equity (ROE) | -8.2677% | 5,229 |
Retained earnings to average equity (ytd only) | -9.5069% | 5,170 |
Net charge-offs to loans | -0.0028% | 4,017 |
Credit loss provision to net charge-offs | -82,100.0000% | 4,577 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 190.3241% | 25 |
Assets per employee ($millions) | 3.4871% | 4,512 |
Cash dividends to net income (ytd only)* | -14.9875% | 5,284 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9841% | 3,717 |
Loan loss allowance to noncurrent loans | 283.7363% | 1,662 |
Noncurrent assets plus other real estate owned to assets | 0.2246% | 3,677 |
Noncurrent loans to loans | 0.3468% | 3,306 |
Net loans and leases to total assets | 51.7365% | 4,367 |
Net loans and leases to deposits | 85.4057% | 2,325 |
Net loans and leases to core deposits | 93.1662% | 2,314 |
Total domestic deposits to total assets | 60.5774% | 5,206 |
Equity capital to assets | 38.4735% | 53 |
Core capital (leverage) ratio | 47.9618% | 39 |
Tier 1 risk-based capital ratio | 64.6883% | 80 |
Total risk-based capital ratio | 65.5551% | 82 |
Memoranda: | ||
Average total assets | $149,476,330 | 3,357 |
Average earning assets | $138,879,000 | 3,346 |
Average equity | $58,105,330 | 1,398 |
Average total loans | $72,195,330 | 3,796 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5835% | 4,979 |
Cost of funding earning assets | 0.6002% | 3,575 |
Net interest margin | 2.9833% | 4,776 |
Noninterest income to average assets | 0.2027% | 4,542 |
Noninterest expense to average assets | 5.7602% | 148 |
Loan and lease loss provision to assets | -0.0081% | 5,205 |
Net operating income to assets | -2.3065% | 5,325 |
Return on assets (ROA) | -2.3065% | 5,324 |
Pretax return on assets | -2.8294% | 5,326 |
Return on Equity (ROE) | -5.8570% | 5,267 |
Retained earnings to average equity (ytd only) | -9.5627% | 5,091 |
Net charge-offs to loans | 0.0187% | 2,092 |
Credit loss provision to net charge-offs | -100.0000% | 3,545 |
Earnings coverage of net charge-offs (x) | -350.0000% | 2,736 |
Efficiency ratio | 197.0874% | 24 |
Assets per employee ($millions) | 2.3877% | 5,211 |
Cash dividends to net income (ytd only)* | -63.2689% | 5,337 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0014% | 3,698 |
Loan loss allowance to noncurrent loans | 801.7241% | 739 |
Noncurrent assets plus other real estate owned to assets | 0.1044% | 4,289 |
Noncurrent loans to loans | 0.1249% | 4,177 |
Net loans and leases to total assets | 31.5617% | 5,124 |
Net loans and leases to deposits | 63.6575% | 4,204 |
Net loans and leases to core deposits | 70.3202% | 4,069 |
Total domestic deposits to total assets | 49.5805% | 5,314 |
Equity capital to assets | 49.0381% | 36 |
Core capital (leverage) ratio | 88.3478% | 17 |
Tier 1 risk-based capital ratio | 151.1534% | 31 |
Total risk-based capital ratio | 152.1375% | 31 |
Memoranda: | ||
Average total assets | $98,677,500 | 4,129 |
Average earning assets | $89,968,500 | 4,146 |
Average equity | $38,859,500 | 1,976 |
Average total loans | $42,699,000 | 4,474 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1584% | 757 |
Cost of funding earning assets | 0.8119% | 1,468 |
Net interest margin | 4.3465% | 1,048 |
Noninterest income to average assets | 0.5128% | 2,761 |
Noninterest expense to average assets | 3.5272% | 965 |
Loan and lease loss provision to assets | 0.1246% | 1,771 |
Net operating income to assets | 0.8844% | 3,479 |
Return on assets (ROA) | 0.8844% | 3,474 |
Pretax return on assets | 0.8844% | 3,935 |
Return on Equity (ROE) | 7.0077% | 3,819 |
Retained earnings to average equity (ytd only) | 4.9186% | 2,814 |
Net charge-offs to loans | 0.0820% | 1,964 |
Credit loss provision to net charge-offs | 187.5000% | 1,520 |
Earnings coverage of net charge-offs (x) | 15.1875% | 2,341 |
Efficiency ratio | 77.7574% | 1,150 |
Assets per employee ($millions) | 5.1707% | 2,305 |
Cash dividends to net income (ytd only)* | 29.8122% | 3,055 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2037% | 2,552 |
Loan loss allowance to noncurrent loans | 75.0400% | 3,832 |
Noncurrent assets plus other real estate owned to assets | 1.2087% | 1,079 |
Noncurrent loans to loans | 1.6040% | 917 |
Net loans and leases to total assets | 74.4483% | 1,854 |
Net loans and leases to deposits | 88.2670% | 2,014 |
Net loans and leases to core deposits | 101.4254% | 1,613 |
Total domestic deposits to total assets | 84.3445% | 2,892 |
Equity capital to assets | 12.1763% | 1,776 |
Core capital (leverage) ratio | 12.0431% | 1,709 |
Tier 1 risk-based capital ratio | 17.5386% | 1,890 |
Total risk-based capital ratio | 18.7888% | 1,845 |
Memoranda: | ||
Average total assets | $48,169,200 | 4,970 |
Average earning assets | $44,587,600 | 4,963 |
Average equity | $6,079,000 | 4,882 |
Average total loans | $39,007,000 | 4,584 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1338% | 713 |
Cost of funding earning assets | 0.7840% | 1,412 |
Net interest margin | 4.3499% | 1,008 |
Noninterest income to average assets | 0.5809% | 2,412 |
Noninterest expense to average assets | 3.6713% | 784 |
Loan and lease loss provision to assets | 0.1692% | 1,105 |
Net operating income to assets | 0.7613% | 4,042 |
Return on assets (ROA) | 0.7613% | 4,050 |
Pretax return on assets | 0.7613% | 4,396 |
Return on Equity (ROE) | 5.9752% | 4,273 |
Retained earnings to average equity (ytd only) | 3.1646% | 4,164 |
Net charge-offs to loans | 0.0957% | 1,535 |
Credit loss provision to net charge-offs | 214.2857% | 1,312 |
Earnings coverage of net charge-offs (x) | 11.7865% | 2,492 |
Efficiency ratio | 79.7794% | 960 |
Assets per employee ($millions) | 4.1013% | 3,727 |
Cash dividends to net income (ytd only)* | 47.0374% | 1,717 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1438% | 2,943 |
Loan loss allowance to noncurrent loans | 74.2543% | 3,922 |
Noncurrent assets plus other real estate owned to assets | 1.6824% | 735 |
Noncurrent loans to loans | 1.5403% | 1,041 |
Net loans and leases to total assets | 83.0665% | 558 |
Net loans and leases to deposits | 105.7667% | 452 |
Net loans and leases to core deposits | 135.9923% | 241 |
Total domestic deposits to total assets | 78.5375% | 4,399 |
Equity capital to assets | 12.4716% | 1,610 |
Core capital (leverage) ratio | 13.0447% | 1,263 |
Tier 1 risk-based capital ratio | 16.6373% | 2,227 |
Total risk-based capital ratio | 17.8859% | 2,174 |
Memoranda: | ||
Average total assets | $47,284,750 | 5,043 |
Average earning assets | $43,709,000 | 5,033 |
Average equity | $6,024,750 | 4,943 |
Average total loans | $39,017,750 | 4,630 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1776% | 579 |
Cost of funding earning assets | 0.7509% | 1,365 |
Net interest margin | 4.4267% | 802 |
Noninterest income to average assets | 0.6132% | 2,253 |
Noninterest expense to average assets | 3.7220% | 734 |
Loan and lease loss provision to assets | 0.2573% | 596 |
Net operating income to assets | 0.7290% | 4,110 |
Return on assets (ROA) | 0.7290% | 4,110 |
Pretax return on assets | 0.7290% | 4,441 |
Return on Equity (ROE) | 5.6790% | 4,351 |
Retained earnings to average equity (ytd only) | 1.4364% | 4,656 |
Net charge-offs to loans | -0.0052% | 4,111 |
Credit loss provision to net charge-offs | -6,000.0000% | 4,767 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0528% | 1,112 |
Assets per employee ($millions) | 4.2648% | 3,478 |
Cash dividends to net income (ytd only)* | 74.7059% | 859 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2719% | 2,310 |
Loan loss allowance to noncurrent loans | 90.7776% | 3,639 |
Noncurrent assets plus other real estate owned to assets | 1.1788% | 1,225 |
Noncurrent loans to loans | 1.4011% | 1,206 |
Net loans and leases to total assets | 83.0644% | 571 |
Net loans and leases to deposits | 99.9103% | 813 |
Net loans and leases to core deposits | 129.0588% | 347 |
Total domestic deposits to total assets | 83.1390% | 3,373 |
Equity capital to assets | 12.8749% | 1,359 |
Core capital (leverage) ratio | 12.8435% | 1,299 |
Tier 1 risk-based capital ratio | 17.6273% | 1,908 |
Total risk-based capital ratio | 18.8787% | 1,864 |
Memoranda: | ||
Average total assets | $46,641,000 | 5,115 |
Average earning assets | $43,147,330 | 5,105 |
Average equity | $5,987,000 | 5,006 |
Average total loans | $38,238,670 | 4,695 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9871% | 715 |
Cost of funding earning assets | 0.7257% | 1,315 |
Net interest margin | 4.2614% | 1,020 |
Noninterest income to average assets | 0.5591% | 2,473 |
Noninterest expense to average assets | 3.8103% | 665 |
Loan and lease loss provision to assets | 0.2580% | 563 |
Net operating income to assets | 0.4301% | 4,862 |
Return on assets (ROA) | 0.4301% | 4,869 |
Pretax return on assets | 0.4301% | 4,987 |
Return on Equity (ROE) | 3.3554% | 4,939 |
Retained earnings to average equity (ytd only) | -5.1674% | 5,213 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.7036% | 744 |
Assets per employee ($millions) | 4.3057% | 3,477 |
Cash dividends to net income (ytd only)* | 254.0000% | 111 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2268% | 2,649 |
Loan loss allowance to noncurrent loans | 84.5601% | 3,740 |
Noncurrent assets plus other real estate owned to assets | 1.1760% | 1,303 |
Noncurrent loans to loans | 1.4508% | 1,221 |
Net loans and leases to total assets | 80.0646% | 926 |
Net loans and leases to deposits | 95.7625% | 1,061 |
Net loans and leases to core deposits | 122.0070% | 525 |
Total domestic deposits to total assets | 83.6075% | 3,465 |
Equity capital to assets | 12.4992% | 1,488 |
Core capital (leverage) ratio | 12.7003% | 1,294 |
Tier 1 risk-based capital ratio | 17.8143% | 1,888 |
Total risk-based capital ratio | 19.0657% | 1,834 |
Memoranda: | ||
Average total assets | $46,505,000 | 5,176 |
Average earning assets | $42,991,000 | 5,164 |
Average equity | $5,960,500 | 5,063 |
Average total loans | $37,623,000 | 4,761 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9056% | 784 |
Cost of funding earning assets | 0.6459% | 1,322 |
Net interest margin | 4.2597% | 1,057 |
Noninterest income to average assets | 0.4402% | 3,372 |
Noninterest expense to average assets | 3.4581% | 1,110 |
Loan and lease loss provision to assets | 0.2407% | 793 |
Net operating income to assets | 0.6892% | 3,645 |
Return on assets (ROA) | 0.6892% | 3,698 |
Pretax return on assets | 0.6892% | 4,533 |
Return on Equity (ROE) | 5.6743% | 3,882 |
Retained earnings to average equity (ytd only) | 0.2033% | 4,937 |
Net charge-offs to loans | 0.3889% | 646 |
Credit loss provision to net charge-offs | 74.5223% | 3,022 |
Earnings coverage of net charge-offs (x) | 2.8790% | 3,683 |
Efficiency ratio | 78.8092% | 1,246 |
Assets per employee ($millions) | 3.8039% | 4,276 |
Cash dividends to net income (ytd only)* | 96.4179% | 417 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1966% | 2,809 |
Loan loss allowance to noncurrent loans | 151.0274% | 2,787 |
Noncurrent assets plus other real estate owned to assets | 0.6397% | 2,411 |
Noncurrent loans to loans | 0.7923% | 2,231 |
Net loans and leases to total assets | 79.7709% | 990 |
Net loans and leases to deposits | 96.3103% | 1,061 |
Net loans and leases to core deposits | 121.7093% | 530 |
Total domestic deposits to total assets | 82.8269% | 3,619 |
Equity capital to assets | 13.1465% | 1,193 |
Core capital (leverage) ratio | 12.2067% | 1,494 |
Tier 1 risk-based capital ratio | 18.4505% | 1,666 |
Total risk-based capital ratio | 19.6992% | 1,621 |
Memoranda: | ||
Average total assets | $48,610,400 | 5,181 |
Average earning assets | $45,050,600 | 5,173 |
Average equity | $5,903,800 | 5,112 |
Average total loans | $40,371,400 | 4,720 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8145% | 904 |
Cost of funding earning assets | 0.6095% | 1,466 |
Net interest margin | 4.2050% | 1,142 |
Noninterest income to average assets | 0.4377% | 3,424 |
Noninterest expense to average assets | 3.3717% | 1,200 |
Loan and lease loss provision to assets | 0.2350% | 767 |
Net operating income to assets | 0.7267% | 3,835 |
Return on assets (ROA) | 0.7267% | 3,906 |
Pretax return on assets | 0.7267% | 4,539 |
Return on Equity (ROE) | 6.1002% | 4,080 |
Retained earnings to average equity (ytd only) | -1.2246% | 5,369 |
Net charge-offs to loans | 0.2586% | 836 |
Credit loss provision to net charge-offs | 108.7500% | 2,153 |
Earnings coverage of net charge-offs (x) | 4.4501% | 3,223 |
Efficiency ratio | 77.8055% | 1,354 |
Assets per employee ($millions) | 4.2878% | 3,491 |
Cash dividends to net income (ytd only)* | 120.0747% | 170 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1421% | 3,241 |
Loan loss allowance to noncurrent loans | 121.3930% | 3,199 |
Noncurrent assets plus other real estate owned to assets | 0.7813% | 2,182 |
Noncurrent loans to loans | 0.9408% | 2,042 |
Net loans and leases to total assets | 82.0927% | 673 |
Net loans and leases to deposits | 103.9728% | 501 |
Net loans and leases to core deposits | 136.0080% | 257 |
Total domestic deposits to total assets | 78.9560% | 4,536 |
Equity capital to assets | 11.5365% | 2,327 |
Core capital (leverage) ratio | 12.0060% | 1,683 |
Tier 1 risk-based capital ratio | 15.4292% | 2,732 |
Total risk-based capital ratio | 16.6775% | 2,680 |
Memoranda: | ||
Average total assets | $49,351,250 | 5,228 |
Average earning assets | $45,722,000 | 5,211 |
Average equity | $5,879,500 | 5,172 |
Average total loans | $41,250,750 | 4,733 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7012% | 1,055 |
Cost of funding earning assets | 0.5727% | 1,631 |
Net interest margin | 4.1285% | 1,252 |
Noninterest income to average assets | 0.4275% | 3,506 |
Noninterest expense to average assets | 3.3340% | 1,305 |
Loan and lease loss provision to assets | 0.1727% | 1,116 |
Net operating income to assets | 0.7441% | 3,653 |
Return on assets (ROA) | 0.7441% | 3,716 |
Pretax return on assets | 0.7441% | 4,444 |
Return on Equity (ROE) | 6.1768% | 3,966 |
Retained earnings to average equity (ytd only) | -4.8459% | 5,530 |
Net charge-offs to loans | 0.0687% | 1,945 |
Credit loss provision to net charge-offs | 300.0000% | 956 |
Earnings coverage of net charge-offs (x) | 15.9286% | 1,999 |
Efficiency ratio | 78.4333% | 1,404 |
Assets per employee ($millions) | 4.9331% | 2,473 |
Cash dividends to net income (ytd only)* | 178.4530% | 100 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1878% | 3,101 |
Loan loss allowance to noncurrent loans | 80.6656% | 3,945 |
Noncurrent assets plus other real estate owned to assets | 1.2791% | 1,299 |
Noncurrent loans to loans | 1.4725% | 1,281 |
Net loans and leases to total assets | 85.8324% | 286 |
Net loans and leases to deposits | 107.5735% | 334 |
Net loans and leases to core deposits | 134.5900% | 243 |
Total domestic deposits to total assets | 79.7896% | 4,457 |
Equity capital to assets | 11.8506% | 2,038 |
Core capital (leverage) ratio | 12.2975% | 1,475 |
Tier 1 risk-based capital ratio | 15.0703% | 2,893 |
Total risk-based capital ratio | 16.3207% | 2,832 |
Memoranda: | ||
Average total assets | $48,650,330 | 5,281 |
Average earning assets | $45,052,670 | 5,261 |
Average equity | $5,860,670 | 5,211 |
Average total loans | $40,758,330 | 4,781 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5537% | 1,251 |
Cost of funding earning assets | 0.5479% | 1,730 |
Net interest margin | 4.0058% | 1,459 |
Noninterest income to average assets | 0.4057% | 3,615 |
Noninterest expense to average assets | 3.2126% | 1,572 |
Loan and lease loss provision to assets | 0.1076% | 1,776 |
Net operating income to assets | 0.7783% | 3,322 |
Return on assets (ROA) | 0.7783% | 3,380 |
Pretax return on assets | 0.7783% | 4,191 |
Return on Equity (ROE) | 6.4076% | 3,710 |
Retained earnings to average equity (ytd only) | -15.6101% | 5,672 |
Net charge-offs to loans | 0.1209% | 1,202 |
Credit loss provision to net charge-offs | 108.3333% | 1,489 |
Earnings coverage of net charge-offs (x) | 8.9167% | 2,027 |
Efficiency ratio | 78.3838% | 1,576 |
Assets per employee ($millions) | 4.8155% | 2,675 |
Cash dividends to net income (ytd only)* | 343.6170% | 81 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1882% | 3,205 |
Loan loss allowance to noncurrent loans | 73.7003% | 4,126 |
Noncurrent assets plus other real estate owned to assets | 1.9853% | 666 |
Noncurrent loans to loans | 1.6122% | 1,207 |
Net loans and leases to total assets | 83.2375% | 443 |
Net loans and leases to deposits | 100.6403% | 580 |
Net loans and leases to core deposits | 124.2922% | 355 |
Total domestic deposits to total assets | 82.7079% | 3,947 |
Equity capital to assets | 11.9510% | 1,876 |
Core capital (leverage) ratio | 12.1723% | 1,523 |
Tier 1 risk-based capital ratio | 15.6506% | 2,693 |
Total risk-based capital ratio | 16.9009% | 2,630 |
Memoranda: | ||
Average total assets | $48,310,000 | 5,341 |
Average earning assets | $44,535,500 | 5,332 |
Average equity | $5,868,000 | 5,255 |
Average total loans | $39,712,000 | 4,860 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8648% | 786 |
Cost of funding earning assets | 0.5633% | 1,582 |
Net interest margin | 4.3015% | 929 |
Noninterest income to average assets | 0.2673% | 4,817 |
Noninterest expense to average assets | 3.2916% | 1,596 |
Loan and lease loss provision to assets | 0.2077% | 1,092 |
Net operating income to assets | 0.7158% | 3,709 |
Return on assets (ROA) | 0.7158% | 3,829 |
Pretax return on assets | 0.7158% | 4,441 |
Return on Equity (ROE) | 5.5540% | 4,182 |
Retained earnings to average equity (ytd only) | 2.4685% | 4,115 |
Net charge-offs to loans | 0.0440% | 3,155 |
Credit loss provision to net charge-offs | 587.5000% | 584 |
Earnings coverage of net charge-offs (x) | 26.1250% | 1,561 |
Efficiency ratio | 78.0922% | 1,682 |
Assets per employee ($millions) | 4.8465% | 2,580 |
Cash dividends to net income (ytd only)* | 55.5556% | 2,009 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2378% | 2,890 |
Loan loss allowance to noncurrent loans | 47.7656% | 4,717 |
Noncurrent assets plus other real estate owned to assets | 2.7257% | 415 |
Noncurrent loans to loans | 2.5914% | 592 |
Net loans and leases to total assets | 79.1870% | 1,005 |
Net loans and leases to deposits | 95.5081% | 1,044 |
Net loans and leases to core deposits | 119.6769% | 492 |
Total domestic deposits to total assets | 82.9114% | 3,795 |
Equity capital to assets | 12.3409% | 1,611 |
Core capital (leverage) ratio | 12.3108% | 1,428 |
Tier 1 risk-based capital ratio | 16.4140% | 2,379 |
Total risk-based capital ratio | 17.6642% | 2,321 |
Memoranda: | ||
Average total assets | $45,267,000 | 5,435 |
Average earning assets | $41,543,400 | 5,432 |
Average equity | $5,833,600 | 5,305 |
Average total loans | $36,331,000 | 5,009 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8993% | 725 |
Cost of funding earning assets | 0.5553% | 1,649 |
Net interest margin | 4.3440% | 853 |
Noninterest income to average assets | 0.2489% | 4,978 |
Noninterest expense to average assets | 3.3192% | 1,521 |
Loan and lease loss provision to assets | 0.2369% | 818 |
Net operating income to assets | 0.6806% | 3,957 |
Return on assets (ROA) | 0.6806% | 4,082 |
Pretax return on assets | 0.6806% | 4,665 |
Return on Equity (ROE) | 5.2212% | 4,422 |
Retained earnings to average equity (ytd only) | 1.0811% | 5,061 |
Net charge-offs to loans | 0.0373% | 2,881 |
Credit loss provision to net charge-offs | 790.0000% | 511 |
Earnings coverage of net charge-offs (x) | 30.6069% | 1,468 |
Efficiency ratio | 78.3439% | 1,639 |
Assets per employee ($millions) | 4.7981% | 2,611 |
Cash dividends to net income (ytd only)* | 79.2936% | 755 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1849% | 3,335 |
Loan loss allowance to noncurrent loans | 46.0039% | 4,845 |
Noncurrent assets plus other real estate owned to assets | 2.1383% | 702 |
Noncurrent loans to loans | 2.5758% | 667 |
Net loans and leases to total assets | 82.0346% | 612 |
Net loans and leases to deposits | 107.9123% | 307 |
Net loans and leases to core deposits | 137.0365% | 218 |
Total domestic deposits to total assets | 76.0197% | 5,234 |
Equity capital to assets | 12.2882% | 1,905 |
Core capital (leverage) ratio | 12.8887% | 1,232 |
Tier 1 risk-based capital ratio | 16.3090% | 2,494 |
Total risk-based capital ratio | 17.5578% | 2,448 |
Memoranda: | ||
Average total assets | $44,467,500 | 5,504 |
Average earning assets | $40,821,250 | 5,502 |
Average equity | $5,796,750 | 5,371 |
Average total loans | $35,699,000 | 5,074 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6599% | 1,144 |
Cost of funding earning assets | 0.5485% | 1,709 |
Net interest margin | 4.1114% | 1,336 |
Noninterest income to average assets | 0.2679% | 4,867 |
Noninterest expense to average assets | 3.3721% | 1,428 |
Loan and lease loss provision to assets | 0.2494% | 775 |
Net operating income to assets | 0.4204% | 4,973 |
Return on assets (ROA) | 0.4204% | 5,060 |
Pretax return on assets | 0.4204% | 5,305 |
Return on Equity (ROE) | 3.1577% | 5,200 |
Retained earnings to average equity (ytd only) | -3.0883% | 5,644 |
Net charge-offs to loans | 0.0408% | 2,642 |
Credit loss provision to net charge-offs | 771.4286% | 466 |
Earnings coverage of net charge-offs (x) | 20.7143% | 1,713 |
Efficiency ratio | 83.4286% | 1,101 |
Assets per employee ($millions) | 4.2647% | 3,441 |
Cash dividends to net income (ytd only)* | 197.8022% | 109 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2547% | 3,047 |
Loan loss allowance to noncurrent loans | 23.9234% | 5,374 |
Noncurrent assets plus other real estate owned to assets | 4.4106% | 182 |
Noncurrent loans to loans | 5.2447% | 161 |
Net loans and leases to total assets | 83.0422% | 511 |
Net loans and leases to deposits | 100.3173% | 670 |
Net loans and leases to core deposits | 130.8275% | 295 |
Total domestic deposits to total assets | 82.7796% | 3,731 |
Equity capital to assets | 13.4992% | 1,238 |
Core capital (leverage) ratio | 13.7307% | 892 |
Tier 1 risk-based capital ratio | 16.8211% | 2,295 |
Total risk-based capital ratio | 18.0694% | 2,247 |
Memoranda: | ||
Average total assets | $43,296,330 | 5,597 |
Average earning assets | $39,743,330 | 5,591 |
Average equity | $5,763,670 | 5,430 |
Average total loans | $34,321,000 | 5,164 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3599% | 1,936 |
Cost of funding earning assets | 0.5475% | 1,736 |
Net interest margin | 3.8124% | 2,250 |
Noninterest income to average assets | 0.2659% | 4,832 |
Noninterest expense to average assets | 3.2737% | 1,660 |
Loan and lease loss provision to assets | 0.2201% | 871 |
Net operating income to assets | 0.2843% | 5,345 |
Return on assets (ROA) | 0.2843% | 5,422 |
Pretax return on assets | 0.2843% | 5,536 |
Return on Equity (ROE) | 2.1502% | 5,473 |
Retained earnings to average equity (ytd only) | -10.3347% | 5,816 |
Net charge-offs to loans | 0.0835% | 1,663 |
Credit loss provision to net charge-offs | 342.8571% | 779 |
Earnings coverage of net charge-offs (x) | 7.8571% | 2,109 |
Efficiency ratio | 86.6505% | 916 |
Assets per employee ($millions) | 4.1395% | 3,691 |
Cash dividends to net income (ytd only)* | 580.6452% | 34 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2380% | 3,265 |
Loan loss allowance to noncurrent loans | 22.6659% | 5,417 |
Noncurrent assets plus other real estate owned to assets | 4.4764% | 202 |
Noncurrent loans to loans | 5.4617% | 167 |
Net loans and leases to total assets | 80.9446% | 690 |
Net loans and leases to deposits | 94.0178% | 1,143 |
Net loans and leases to core deposits | 121.0907% | 437 |
Total domestic deposits to total assets | 86.0949% | 2,635 |
Equity capital to assets | 13.7529% | 1,070 |
Core capital (leverage) ratio | 13.7281% | 894 |
Tier 1 risk-based capital ratio | 17.2144% | 2,206 |
Total risk-based capital ratio | 18.4418% | 2,184 |
Memoranda: | ||
Average total assets | $43,621,000 | 5,643 |
Average earning assets | $40,184,500 | 5,631 |
Average equity | $5,767,000 | 5,460 |
Average total loans | $33,549,000 | 5,225 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5930% | 1,353 |
Cost of funding earning assets | 0.5672% | 1,615 |
Net interest margin | 4.0258% | 1,628 |
Noninterest income to average assets | 0.2112% | 5,329 |
Noninterest expense to average assets | 3.1005% | 2,237 |
Loan and lease loss provision to assets | 0.1857% | 1,205 |
Net operating income to assets | 0.6150% | 4,201 |
Return on assets (ROA) | 0.6150% | 4,296 |
Pretax return on assets | 0.6150% | 4,794 |
Return on Equity (ROE) | 4.6403% | 4,687 |
Retained earnings to average equity (ytd only) | 2.6966% | 4,153 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.4765% | 1,751 |
Assets per employee ($millions) | 4.5847% | 2,908 |
Cash dividends to net income (ytd only)* | 41.8868% | 2,753 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2149% | 3,389 |
Loan loss allowance to noncurrent loans | 79.1749% | 4,160 |
Noncurrent assets plus other real estate owned to assets | 1.1102% | 1,970 |
Noncurrent loans to loans | 1.5345% | 1,510 |
Net loans and leases to total assets | 71.4725% | 2,140 |
Net loans and leases to deposits | 89.8837% | 1,627 |
Net loans and leases to core deposits | 110.9914% | 812 |
Total domestic deposits to total assets | 79.5167% | 4,865 |
Equity capital to assets | 12.7402% | 1,495 |
Core capital (leverage) ratio | 12.6316% | 1,292 |
Tier 1 risk-based capital ratio | 18.0937% | 1,937 |
Total risk-based capital ratio | 19.3417% | 1,896 |
Memoranda: | ||
Average total assets | $43,089,200 | 5,702 |
Average earning assets | $39,495,200 | 5,693 |
Average equity | $5,710,800 | 5,503 |
Average total loans | $31,435,000 | 5,313 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5771% | 1,389 |
Cost of funding earning assets | 0.5704% | 1,626 |
Net interest margin | 4.0067% | 1,676 |
Noninterest income to average assets | 0.2138% | 5,372 |
Noninterest expense to average assets | 3.1729% | 2,038 |
Loan and lease loss provision to assets | 0.1572% | 1,371 |
Net operating income to assets | 0.5503% | 4,587 |
Return on assets (ROA) | 0.5503% | 4,688 |
Pretax return on assets | 0.5503% | 5,097 |
Return on Equity (ROE) | 4.1092% | 4,990 |
Retained earnings to average equity (ytd only) | 1.5028% | 5,117 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.7666% | 1,425 |
Assets per employee ($millions) | 5.2574% | 1,992 |
Cash dividends to net income (ytd only)* | 63.4295% | 1,283 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0468% | 4,490 |
Loan loss allowance to noncurrent loans | 74.4511% | 4,296 |
Noncurrent assets plus other real estate owned to assets | 1.0588% | 2,242 |
Noncurrent loans to loans | 1.4060% | 1,806 |
Net loans and leases to total assets | 74.5166% | 1,635 |
Net loans and leases to deposits | 96.8042% | 925 |
Net loans and leases to core deposits | 118.5017% | 512 |
Total domestic deposits to total assets | 76.9766% | 5,341 |
Equity capital to assets | 12.1542% | 1,997 |
Core capital (leverage) ratio | 13.0492% | 1,187 |
Tier 1 risk-based capital ratio | 16.6933% | 2,485 |
Total risk-based capital ratio | 17.7756% | 2,523 |
Memoranda: | ||
Average total assets | $42,399,750 | 5,794 |
Average earning assets | $38,800,750 | 5,783 |
Average equity | $5,678,250 | 5,578 |
Average total loans | $31,001,000 | 5,383 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5445% | 1,414 |
Cost of funding earning assets | 0.5795% | 1,567 |
Net interest margin | 3.9650% | 1,758 |
Noninterest income to average assets | 0.2355% | 5,273 |
Noninterest expense to average assets | 3.2826% | 1,756 |
Loan and lease loss provision to assets | 0.0883% | 2,341 |
Net operating income to assets | 0.4907% | 4,812 |
Return on assets (ROA) | 0.4907% | 4,913 |
Pretax return on assets | 0.4907% | 5,254 |
Return on Equity (ROE) | 3.5373% | 5,207 |
Retained earnings to average equity (ytd only) | -0.3891% | 5,584 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.0064% | 1,153 |
Assets per employee ($millions) | 4.7241% | 2,643 |
Cash dividends to net income (ytd only)* | 111.0000% | 389 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0603% | 4,535 |
Loan loss allowance to noncurrent loans | 46.2060% | 5,106 |
Noncurrent assets plus other real estate owned to assets | 1.7358% | 1,354 |
Noncurrent loans to loans | 2.2947% | 1,030 |
Net loans and leases to total assets | 74.8407% | 1,529 |
Net loans and leases to deposits | 98.1039% | 781 |
Net loans and leases to core deposits | 128.8416% | 289 |
Total domestic deposits to total assets | 76.2871% | 5,563 |
Equity capital to assets | 13.3241% | 1,251 |
Core capital (leverage) ratio | 14.4046% | 734 |
Tier 1 risk-based capital ratio | 18.6482% | 1,882 |
Total risk-based capital ratio | 19.7681% | 1,878 |
Memoranda: | ||
Average total assets | $40,760,670 | 5,889 |
Average earning assets | $37,276,000 | 5,880 |
Average equity | $5,654,000 | 5,636 |
Average total loans | $29,457,330 | 5,493 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4014% | 1,764 |
Cost of funding earning assets | 0.5942% | 1,476 |
Net interest margin | 3.8072% | 2,206 |
Noninterest income to average assets | 0.2407% | 5,249 |
Noninterest expense to average assets | 3.3599% | 1,579 |
Loan and lease loss provision to assets | 0.0903% | 2,188 |
Net operating income to assets | 0.2608% | 5,530 |
Return on assets (ROA) | 0.2608% | 5,625 |
Pretax return on assets | 0.2608% | 5,730 |
Return on Equity (ROE) | 1.8412% | 5,721 |
Retained earnings to average equity (ytd only) | -6.0193% | 5,989 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.5405% | 814 |
Assets per employee ($millions) | 4.3751% | 3,241 |
Cash dividends to net income (ytd only)* | 426.9231% | 41 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1671% | 4,163 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 71.3988% | 1,917 |
Net loans and leases to deposits | 87.3268% | 1,688 |
Net loans and leases to core deposits | 116.0776% | 519 |
Total domestic deposits to total assets | 81.7605% | 4,581 |
Equity capital to assets | 14.2396% | 911 |
Core capital (leverage) ratio | 14.3781% | 722 |
Tier 1 risk-based capital ratio | 21.4286% | 1,342 |
Total risk-based capital ratio | 22.6751% | 1,315 |
Memoranda: | ||
Average total assets | $39,882,500 | 5,959 |
Average earning assets | $36,352,000 | 5,957 |
Average equity | $5,648,500 | 5,690 |
Average total loans | $28,105,500 | 5,591 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8049% | 1,108 |
Cost of funding earning assets | 0.5913% | 1,842 |
Net interest margin | 4.2135% | 1,261 |
Noninterest income to average assets | 0.3833% | 4,308 |
Noninterest expense to average assets | 3.6337% | 1,243 |
Loan and lease loss provision to assets | 0.0972% | 2,525 |
Net operating income to assets | 0.4805% | 4,888 |
Return on assets (ROA) | 0.4805% | 4,981 |
Pretax return on assets | 0.4805% | 5,298 |
Return on Equity (ROE) | 3.1908% | 5,414 |
Retained earnings to average equity (ytd only) | 3.1908% | 3,965 |
Net charge-offs to loans | 0.0000% | 4,970 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.2821% | 1,137 |
Assets per employee ($millions) | 4.0389% | 3,860 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1633% | 4,205 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 67.9442% | 2,562 |
Net loans and leases to deposits | 84.0928% | 2,206 |
Net loans and leases to core deposits | 104.6566% | 1,094 |
Total domestic deposits to total assets | 80.7968% | 4,795 |
Equity capital to assets | 14.0880% | 926 |
Core capital (leverage) ratio | 15.0598% | 602 |
Tier 1 risk-based capital ratio | 22.3827% | 1,165 |
Total risk-based capital ratio | 23.6338% | 1,150 |
Memoranda: | ||
Average total assets | $37,042,000 | 6,103 |
Average earning assets | $33,653,400 | 6,104 |
Average equity | $5,578,600 | 5,720 |
Average total loans | $26,497,400 | 5,723 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8432% | 1,028 |
Cost of funding earning assets | 0.5968% | 1,868 |
Net interest margin | 4.2464% | 1,169 |
Noninterest income to average assets | 0.4456% | 3,922 |
Noninterest expense to average assets | 3.6605% | 1,191 |
Loan and lease loss provision to assets | 0.0994% | 2,384 |
Net operating income to assets | 0.5377% | 4,721 |
Return on assets (ROA) | 0.5377% | 4,791 |
Pretax return on assets | 0.5377% | 5,212 |
Return on Equity (ROE) | 3.5069% | 5,363 |
Retained earnings to average equity (ytd only) | 3.5069% | 4,143 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.1757% | 1,269 |
Assets per employee ($millions) | 3.7516% | 4,391 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0968% | 4,764 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 75.4771% | 1,290 |
Net loans and leases to deposits | 96.7969% | 816 |
Net loans and leases to core deposits | 126.7672% | 274 |
Total domestic deposits to total assets | 77.9747% | 5,542 |
Equity capital to assets | 15.0496% | 724 |
Core capital (leverage) ratio | 15.0906% | 604 |
Tier 1 risk-based capital ratio | 22.3024% | 1,222 |
Total risk-based capital ratio | 23.5403% | 1,207 |
Memoranda: | ||
Average total assets | $36,205,250 | 6,196 |
Average earning assets | $32,842,500 | 6,196 |
Average equity | $5,550,750 | 5,787 |
Average total loans | $26,180,500 | 5,791 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6932% | 1,292 |
Cost of funding earning assets | 0.5966% | 1,928 |
Net interest margin | 4.0965% | 1,524 |
Noninterest income to average assets | 0.4473% | 3,893 |
Noninterest expense to average assets | 3.6401% | 1,225 |
Loan and lease loss provision to assets | 0.1006% | 2,339 |
Net operating income to assets | 0.4305% | 5,094 |
Return on assets (ROA) | 0.4305% | 5,181 |
Pretax return on assets | 0.4305% | 5,478 |
Return on Equity (ROE) | 2.7904% | 5,596 |
Retained earnings to average equity (ytd only) | 2.7904% | 4,425 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.2654% | 1,158 |
Assets per employee ($millions) | 4.2329% | 3,405 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1471% | 4,672 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 68.9915% | 2,239 |
Net loans and leases to deposits | 87.7182% | 1,626 |
Net loans and leases to core deposits | 103.8566% | 1,032 |
Total domestic deposits to total assets | 78.6513% | 5,524 |
Equity capital to assets | 14.6183% | 788 |
Core capital (leverage) ratio | 15.6002% | 529 |
Tier 1 risk-based capital ratio | 22.2046% | 1,229 |
Total risk-based capital ratio | 23.4165% | 1,214 |
Memoranda: | ||
Average total assets | $35,768,330 | 6,271 |
Average earning assets | $32,515,330 | 6,268 |
Average equity | $5,519,000 | 5,830 |
Average total loans | $25,364,000 | 5,863 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6027% | 1,500 |
Cost of funding earning assets | 0.6086% | 1,906 |
Net interest margin | 3.9940% | 1,787 |
Noninterest income to average assets | 0.4624% | 3,691 |
Noninterest expense to average assets | 3.5949% | 1,315 |
Loan and lease loss provision to assets | 0.1040% | 2,186 |
Net operating income to assets | 0.4046% | 5,093 |
Return on assets (ROA) | 0.4046% | 5,159 |
Pretax return on assets | 0.4046% | 5,442 |
Return on Equity (ROE) | 2.5482% | 5,608 |
Retained earnings to average equity (ytd only) | 2.5482% | 4,539 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.6056% | 1,272 |
Assets per employee ($millions) | 3.4901% | 4,938 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1801% | 4,733 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 71.0209% | 1,719 |
Net loans and leases to deposits | 84.4848% | 1,774 |
Net loans and leases to core deposits | 100.3888% | 1,076 |
Total domestic deposits to total assets | 84.0635% | 4,253 |
Equity capital to assets | 15.8104% | 550 |
Core capital (leverage) ratio | 16.2140% | 455 |
Tier 1 risk-based capital ratio | 23.3015% | 1,099 |
Total risk-based capital ratio | 24.5452% | 1,084 |
Memoranda: | ||
Average total assets | $34,604,500 | 6,361 |
Average earning assets | $31,547,000 | 6,350 |
Average equity | $5,494,000 | 5,867 |
Average total loans | $24,752,000 | 5,947 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6518% | 1,710 |
Cost of funding earning assets | 0.6940% | 1,865 |
Net interest margin | 3.9578% | 2,078 |
Noninterest income to average assets | 0.4150% | 4,342 |
Noninterest expense to average assets | 3.8997% | 994 |
Loan and lease loss provision to assets | 0.0938% | 3,244 |
Net operating income to assets | 0.0199% | 6,180 |
Return on assets (ROA) | 0.0682% | 6,148 |
Pretax return on assets | 0.0682% | 6,132 |
Return on Equity (ROE) | 0.4364% | 6,178 |
Retained earnings to average equity (ytd only) | 0.4364% | 5,653 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 97.1671% | 580 |
Assets per employee ($millions) | 3.1189% | 5,640 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1752% | 4,782 |
Loan loss allowance to noncurrent loans | 735.8974% | 679 |
Noncurrent assets plus other real estate owned to assets | 0.1137% | 5,991 |
Noncurrent loans to loans | 0.1597% | 5,715 |
Net loans and leases to total assets | 70.3451% | 1,961 |
Net loans and leases to deposits | 83.8539% | 1,956 |
Net loans and leases to core deposits | 99.9669% | 1,163 |
Total domestic deposits to total assets | 83.8901% | 4,205 |
Equity capital to assets | 15.9438% | 533 |
Core capital (leverage) ratio | 15.7381% | 503 |
Tier 1 risk-based capital ratio | 23.1399% | 1,075 |
Total risk-based capital ratio | 24.3450% | 1,060 |
Memoranda: | ||
Average total assets | $35,182,000 | 6,411 |
Average earning assets | $31,987,800 | 6,398 |
Average equity | $5,499,400 | 5,928 |
Average total loans | $24,144,000 | 6,025 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7644% | 1,429 |
Cost of funding earning assets | 0.7084% | 1,898 |
Net interest margin | 4.0559% | 1,769 |
Noninterest income to average assets | 0.3804% | 4,672 |
Noninterest expense to average assets | 3.8078% | 1,072 |
Loan and lease loss provision to assets | 0.0904% | 3,255 |
Net operating income to assets | 0.1695% | 5,986 |
Return on assets (ROA) | 0.2335% | 5,911 |
Pretax return on assets | 0.2335% | 5,991 |
Return on Equity (ROE) | 1.5011% | 6,075 |
Retained earnings to average equity (ytd only) | 1.5011% | 5,381 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.6111% | 762 |
Assets per employee ($millions) | 3.2307% | 5,427 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0812% | 5,397 |
Loan loss allowance to noncurrent loans | 496.4286% | 891 |
Noncurrent assets plus other real estate owned to assets | 0.1576% | 5,962 |
Noncurrent loans to loans | 0.2178% | 5,689 |
Net loans and leases to total assets | 71.5685% | 1,668 |
Net loans and leases to deposits | 87.2851% | 1,461 |
Net loans and leases to core deposits | 104.8695% | 829 |
Total domestic deposits to total assets | 81.9939% | 4,934 |
Equity capital to assets | 15.4989% | 628 |
Core capital (leverage) ratio | 15.8615% | 514 |
Tier 1 risk-based capital ratio | 23.2721% | 1,100 |
Total risk-based capital ratio | 24.4380% | 1,094 |
Memoranda: | ||
Average total assets | $35,400,500 | 6,474 |
Average earning assets | $32,182,500 | 6,463 |
Average equity | $5,506,750 | 6,000 |
Average total loans | $24,074,750 | 6,090 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6264% | 1,761 |
Cost of funding earning assets | 0.7285% | 1,853 |
Net interest margin | 3.8979% | 2,215 |
Noninterest income to average assets | 0.4016% | 4,517 |
Noninterest expense to average assets | 3.6940% | 1,256 |
Loan and lease loss provision to assets | 0.0849% | 3,381 |
Net operating income to assets | 0.1641% | 5,991 |
Return on assets (ROA) | 0.2602% | 5,875 |
Pretax return on assets | 0.2602% | 5,980 |
Return on Equity (ROE) | 1.6708% | 6,045 |
Retained earnings to average equity (ytd only) | 1.6708% | 5,181 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.6872% | 775 |
Assets per employee ($millions) | 3.1582% | 5,567 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1025% | 5,433 |
Loan loss allowance to noncurrent loans | 448.3333% | 966 |
Noncurrent assets plus other real estate owned to assets | 0.1727% | 5,985 |
Noncurrent loans to loans | 0.2459% | 5,691 |
Net loans and leases to total assets | 69.4560% | 1,985 |
Net loans and leases to deposits | 85.0361% | 1,682 |
Net loans and leases to core deposits | 102.6853% | 904 |
Total domestic deposits to total assets | 81.6782% | 5,151 |
Equity capital to assets | 15.8261% | 554 |
Core capital (leverage) ratio | 15.4678% | 526 |
Tier 1 risk-based capital ratio | 24.7905% | 895 |
Total risk-based capital ratio | 25.9958% | 887 |
Memoranda: | ||
Average total assets | $35,354,670 | 6,523 |
Average earning assets | $32,120,000 | 6,511 |
Average equity | $5,506,330 | 6,041 |
Average total loans | $23,529,000 | 6,148 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1917% | 3,342 |
Cost of funding earning assets | 0.7666% | 1,734 |
Net interest margin | 3.4251% | 4,027 |
Noninterest income to average assets | 0.3814% | 4,612 |
Noninterest expense to average assets | 3.4771% | 1,668 |
Loan and lease loss provision to assets | 0.1009% | 2,993 |
Net operating income to assets | -0.0897% | 6,431 |
Return on assets (ROA) | 0.1009% | 6,238 |
Pretax return on assets | 0.1009% | 6,259 |
Return on Equity (ROE) | 0.6533% | 6,296 |
Retained earnings to average equity (ytd only) | 0.6533% | 5,567 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.6785% | 556 |
Assets per employee ($millions) | 3.6104% | 4,758 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1299% | 5,486 |
Loan loss allowance to noncurrent loans | 410.9375% | 1,010 |
Noncurrent assets plus other real estate owned to assets | 0.1773% | 6,038 |
Noncurrent loans to loans | 0.2750% | 5,715 |
Net loans and leases to total assets | 63.7409% | 2,763 |
Net loans and leases to deposits | 77.3182% | 2,446 |
Net loans and leases to core deposits | 91.5940% | 1,546 |
Total domestic deposits to total assets | 82.4396% | 5,048 |
Equity capital to assets | 15.2310% | 704 |
Core capital (leverage) ratio | 15.2048% | 561 |
Tier 1 risk-based capital ratio | 24.0893% | 1,002 |
Total risk-based capital ratio | 25.2422% | 995 |
Memoranda: | ||
Average total assets | $35,662,000 | 6,577 |
Average earning assets | $32,349,500 | 6,570 |
Average equity | $5,510,500 | 6,097 |
Average total loans | $23,094,500 | 6,216 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8421% | 2,052 |
Cost of funding earning assets | 0.8669% | 2,166 |
Net interest margin | 3.9752% | 2,490 |
Noninterest income to average assets | 0.1978% | 6,004 |
Noninterest expense to average assets | 3.6806% | 1,455 |
Loan and lease loss provision to assets | 0.1708% | 3,484 |
Net operating income to assets | -0.0390% | 6,225 |
Return on assets (ROA) | -0.0390% | 6,336 |
Pretax return on assets | -0.0390% | 6,320 |
Return on Equity (ROE) | -0.2356% | 6,330 |
Retained earnings to average equity (ytd only) | -0.2356% | 5,894 |
Net charge-offs to loans | 0.0000% | 5,985 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.5409% | 687 |
Assets per employee ($millions) | 3.9133% | 4,121 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1085% | 5,524 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 64.3356% | 2,837 |
Net loans and leases to deposits | 81.9820% | 2,001 |
Net loans and leases to core deposits | 98.4917% | 1,112 |
Total domestic deposits to total assets | 78.4753% | 5,995 |
Equity capital to assets | 15.6786% | 607 |
Core capital (leverage) ratio | 15.4694% | 511 |
Tier 1 risk-based capital ratio | 23.7481% | 997 |
Total risk-based capital ratio | 24.8474% | 1,001 |
Memoranda: | ||
Average total assets | $33,364,200 | 6,671 |
Average earning assets | $30,338,000 | 6,654 |
Average equity | $5,518,200 | 6,142 |
Average total loans | $22,193,600 | 6,333 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8545% | 2,176 |
Cost of funding earning assets | 0.8790% | 2,321 |
Net interest margin | 3.9755% | 2,600 |
Noninterest income to average assets | 0.1662% | 6,311 |
Noninterest expense to average assets | 3.6513% | 1,453 |
Loan and lease loss provision to assets | 0.2107% | 2,962 |
Net operating income to assets | -0.0851% | 6,392 |
Return on assets (ROA) | -0.0851% | 6,486 |
Pretax return on assets | -0.0851% | 6,471 |
Return on Equity (ROE) | -0.5075% | 6,459 |
Retained earnings to average equity (ytd only) | -0.5075% | 6,177 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 96.6738% | 652 |
Assets per employee ($millions) | 4.3584% | 3,151 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9779% | 6,165 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | 0.0000% | 6,696 |
Net loans and leases to total assets | 72.3177% | 1,497 |
Net loans and leases to deposits | 92.5219% | 916 |
Net loans and leases to core deposits | 112.6877% | 476 |
Total domestic deposits to total assets | 78.1627% | 6,042 |
Equity capital to assets | 15.8287% | 638 |
Core capital (leverage) ratio | 16.2086% | 453 |
Tier 1 risk-based capital ratio | 21.4871% | 1,424 |
Total risk-based capital ratio | 22.4636% | 1,444 |
Memoranda: | ||
Average total assets | $32,900,250 | 6,766 |
Average earning assets | $29,882,000 | 6,752 |
Average equity | $5,517,250 | 6,211 |
Average total loans | $22,013,750 | 6,421 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8220% | 2,420 |
Cost of funding earning assets | 0.9234% | 2,236 |
Net interest margin | 3.8986% | 2,911 |
Noninterest income to average assets | 0.1427% | 6,483 |
Noninterest expense to average assets | 3.6657% | 1,436 |
Loan and lease loss provision to assets | 0.2047% | 3,024 |
Net operating income to assets | -0.1923% | 6,536 |
Return on assets (ROA) | -0.1923% | 6,610 |
Pretax return on assets | -0.1923% | 6,586 |
Return on Equity (ROE) | -1.1239% | 6,553 |
Retained earnings to average equity (ytd only) | -1.1239% | 6,227 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.6627% | 574 |
Assets per employee ($millions) | 4.1828% | 3,490 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9672% | 6,273 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 70.3813% | 1,856 |
Net loans and leases to deposits | 88.5776% | 1,307 |
Net loans and leases to core deposits | 102.5517% | 948 |
Total domestic deposits to total assets | 79.4573% | 5,870 |
Equity capital to assets | 16.4515% | 513 |
Core capital (leverage) ratio | 16.3640% | 428 |
Tier 1 risk-based capital ratio | 23.5400% | 1,070 |
Total risk-based capital ratio | 24.5298% | 1,082 |
Memoranda: | ||
Average total assets | $32,244,670 | 6,837 |
Average earning assets | $29,241,000 | 6,823 |
Average equity | $5,516,670 | 6,237 |
Average total loans | $20,863,670 | 6,517 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6601% | 3,214 |
Cost of funding earning assets | 0.9656% | 2,190 |
Net interest margin | 3.6945% | 3,858 |
Noninterest income to average assets | 0.1391% | 6,548 |
Noninterest expense to average assets | 3.6667% | 1,433 |
Loan and lease loss provision to assets | 0.1897% | 3,060 |
Net operating income to assets | -0.3793% | 6,756 |
Return on assets (ROA) | -0.3793% | 6,796 |
Pretax return on assets | -0.3793% | 6,771 |
Return on Equity (ROE) | -2.1729% | 6,700 |
Retained earnings to average equity (ytd only) | -2.1729% | 6,302 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 105.4545% | 423 |
Assets per employee ($millions) | 4.0864% | 3,828 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0476% | 6,085 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 61.2554% | 3,402 |
Net loans and leases to deposits | 73.8113% | 3,138 |
Net loans and leases to core deposits | 85.1548% | 2,389 |
Total domestic deposits to total assets | 82.9892% | 4,931 |
Equity capital to assets | 16.8364% | 454 |
Core capital (leverage) ratio | 16.7324% | 386 |
Tier 1 risk-based capital ratio | 25.3887% | 867 |
Total risk-based capital ratio | 26.3727% | 876 |
Memoranda: | ||
Average total assets | $31,636,000 | 6,911 |
Average earning assets | $28,583,000 | 6,892 |
Average equity | $5,522,500 | 6,266 |
Average total loans | $19,405,000 | 6,641 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7295% | 4,125 |
Cost of funding earning assets | 1.2840% | 1,559 |
Net interest margin | 3.4456% | 5,351 |
Noninterest income to average assets | 0.0732% | 6,742 |
Noninterest expense to average assets | 4.2635% | 745 |
Loan and lease loss provision to assets | 0.1574% | 4,665 |
Net operating income to assets | -1.4309% | 6,889 |
Return on assets (ROA) | -1.4309% | 6,910 |
Pretax return on assets | -1.4309% | 6,880 |
Return on Equity (ROE) | -6.8659% | 6,623 |
Retained earnings to average equity (ytd only) | -6.8659% | 6,562 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 142.5949% | 162 |
Assets per employee ($millions) | 4.3687% | 3,123 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0607% | 5,957 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | 0.0000% | 6,879 |
Net loans and leases to total assets | 60.0896% | 3,974 |
Net loans and leases to deposits | 73.4981% | 3,578 |
Net loans and leases to core deposits | 86.9047% | 2,515 |
Total domestic deposits to total assets | 81.7566% | 5,208 |
Equity capital to assets | 18.1191% | 339 |
Core capital (leverage) ratio | 17.9539% | 299 |
Tier 1 risk-based capital ratio | 29.3725% | 547 |
Total risk-based capital ratio | 30.4246% | 547 |
Memoranda: | ||
Average total assets | $27,324,800 | 7,045 |
Average earning assets | $23,131,200 | 7,074 |
Average equity | $5,694,800 | 6,234 |
Average total loans | $15,766,400 | 6,866 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7652% | 4,164 |
Cost of funding earning assets | 1.3503% | 1,450 |
Net interest margin | 3.4149% | 5,525 |
Noninterest income to average assets | 0.0855% | 6,811 |
Noninterest expense to average assets | 4.4408% | 608 |
Loan and lease loss provision to assets | 0.1710% | 4,328 |
Net operating income to assets | -1.6898% | 7,086 |
Return on assets (ROA) | -1.6898% | 7,095 |
Pretax return on assets | -1.6898% | 7,061 |
Return on Equity (ROE) | -7.8139% | 6,804 |
Retained earnings to average equity (ytd only) | -7.8139% | 6,755 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 151.9793% | 132 |
Assets per employee ($millions) | 4.3316% | 3,211 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0669% | 6,005 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 57.4948% | 4,589 |
Net loans and leases to deposits | 70.7795% | 4,167 |
Net loans and leases to core deposits | 81.9836% | 3,332 |
Total domestic deposits to total assets | 81.2308% | 5,360 |
Equity capital to assets | 18.4789% | 347 |
Core capital (leverage) ratio | 18.7468% | 272 |
Tier 1 risk-based capital ratio | 30.5124% | 512 |
Total risk-based capital ratio | 31.5448% | 513 |
Memoranda: | ||
Average total assets | $26,510,750 | 7,132 |
Average earning assets | $22,020,250 | 7,179 |
Average equity | $5,733,250 | 6,266 |
Average total loans | $15,064,750 | 6,969 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6649% | 4,684 |
Cost of funding earning assets | 1.3995% | 1,422 |
Net interest margin | 3.2654% | 5,953 |
Noninterest income to average assets | 0.0555% | 7,026 |
Noninterest expense to average assets | 4.6591% | 506 |
Loan and lease loss provision to assets | 0.1189% | 4,787 |
Net operating income to assets | -2.0602% | 7,197 |
Return on assets (ROA) | -2.0602% | 7,204 |
Pretax return on assets | -2.0602% | 7,174 |
Return on Equity (ROE) | -9.0017% | 6,902 |
Retained earnings to average equity (ytd only) | -9.0017% | 6,825 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 162.6822% | 115 |
Assets per employee ($millions) | 3.5501% | 4,811 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0200% | 6,250 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 57.7444% | 4,678 |
Net loans and leases to deposits | 72.3615% | 4,060 |
Net loans and leases to core deposits | 83.0086% | 3,363 |
Total domestic deposits to total assets | 79.8000% | 5,885 |
Equity capital to assets | 19.9711% | 261 |
Core capital (leverage) ratio | 19.8583% | 234 |
Tier 1 risk-based capital ratio | 32.3344% | 437 |
Total risk-based capital ratio | 33.3046% | 444 |
Memoranda: | ||
Average total assets | $25,240,670 | 7,233 |
Average earning assets | $20,579,330 | 7,280 |
Average equity | $5,776,670 | 6,296 |
Average total loans | $14,212,670 | 7,077 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7141% | 4,459 |
Cost of funding earning assets | 1.5068% | 1,138 |
Net interest margin | 3.2073% | 6,048 |
Noninterest income to average assets | 0.0507% | 7,132 |
Noninterest expense to average assets | 4.9196% | 394 |
Loan and lease loss provision to assets | 0.1014% | 4,741 |
Net operating income to assets | -2.4513% | 7,333 |
Return on assets (ROA) | -2.4513% | 7,331 |
Pretax return on assets | -2.4513% | 7,315 |
Return on Equity (ROE) | -9.9502% | 7,029 |
Retained earnings to average equity (ytd only) | -9.9502% | 6,869 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 181.5789% | 82 |
Assets per employee ($millions) | 3.1185% | 5,906 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1505% | 5,847 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 55.1026% | 5,143 |
Net loans and leases to deposits | 71.8159% | 4,097 |
Net loans and leases to core deposits | 83.9614% | 3,165 |
Total domestic deposits to total assets | 76.7276% | 6,574 |
Equity capital to assets | 23.0920% | 141 |
Core capital (leverage) ratio | 23.0488% | 138 |
Tier 1 risk-based capital ratio | 37.7968% | 277 |
Total risk-based capital ratio | 38.8491% | 277 |
Memoranda: | ||
Average total assets | $23,660,500 | 7,324 |
Average earning assets | $18,582,500 | 7,370 |
Average equity | $5,829,000 | 6,300 |
Average total loans | $13,034,500 | 7,183 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0559% | 4,297 |
Cost of funding earning assets | 1.5174% | 2,546 |
Net interest margin | 3.5385% | 5,085 |
Noninterest income to average assets | 0.0649% | 7,043 |
Noninterest expense to average assets | 5.5902% | 285 |
Loan and lease loss provision to assets | 0.4055% | 3,681 |
Net operating income to assets | -2.9681% | 7,289 |
Return on assets (ROA) | -2.9681% | 7,308 |
Pretax return on assets | -2.9681% | 7,285 |
Return on Equity (ROE) | -8.8671% | 6,671 |
Retained earnings to average equity (ytd only) | -8.8671% | 6,586 |
Net charge-offs to loans | 0.0100% | 6,733 |
Credit loss provision to net charge-offs | 7,500.0000% | 18 |
Earnings coverage of net charge-offs (x) | -474.0000% | 6,849 |
Efficiency ratio | 173.2143% | 134 |
Assets per employee ($millions) | 2.4859% | 7,028 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2662% | 5,177 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 53.6718% | 5,680 |
Net loans and leases to deposits | 73.0591% | 4,349 |
Net loans and leases to core deposits | 82.7624% | 3,782 |
Total domestic deposits to total assets | 73.4635% | 6,953 |
Equity capital to assets | 26.3577% | 109 |
Core capital (leverage) ratio | 26.3412% | 109 |
Tier 1 risk-based capital ratio | 44.8607% | 174 |
Total risk-based capital ratio | 46.0332% | 172 |
Memoranda: | ||
Average total assets | $18,496,600 | 7,501 |
Average earning assets | $15,487,000 | 7,512 |
Average equity | $6,191,400 | 6,310 |
Average total loans | $9,997,600 | 7,396 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8705% | 5,396 |
Cost of funding earning assets | 1.4361% | 3,360 |
Net interest margin | 3.4344% | 5,555 |
Noninterest income to average assets | 0.0761% | 7,158 |
Noninterest expense to average assets | 5.6063% | 258 |
Loan and lease loss provision to assets | 0.5021% | 2,948 |
Net operating income to assets | -3.0124% | 7,453 |
Return on assets (ROA) | -3.0124% | 7,463 |
Pretax return on assets | -3.0124% | 7,421 |
Return on Equity (ROE) | -8.4276% | 6,857 |
Retained earnings to average equity (ytd only) | -8.4276% | 6,798 |
Net charge-offs to loans | 0.0141% | 6,476 |
Credit loss provision to net charge-offs | 6,600.0000% | 39 |
Earnings coverage of net charge-offs (x) | -330.8195% | 6,670 |
Efficiency ratio | 169.2875% | 138 |
Assets per employee ($millions) | 2.7961% | 6,591 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0594% | 6,120 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 69.1871% | 2,939 |
Net loans and leases to deposits | 100.9241% | 592 |
Net loans and leases to core deposits | 117.7975% | 691 |
Total domestic deposits to total assets | 68.5536% | 7,350 |
Equity capital to assets | 31.1041% | 80 |
Core capital (leverage) ratio | 30.9524% | 82 |
Tier 1 risk-based capital ratio | 50.2703% | 153 |
Total risk-based capital ratio | 51.4761% | 153 |
Memoranda: | ||
Average total assets | $17,527,500 | 7,617 |
Average earning assets | $15,412,250 | 7,608 |
Average equity | $6,265,000 | 6,370 |
Average total loans | $9,456,500 | 7,513 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4361% | 6,827 |
Cost of funding earning assets | 1.3618% | 4,105 |
Net interest margin | 3.0742% | 6,668 |
Noninterest income to average assets | 0.0831% | 7,172 |
Noninterest expense to average assets | 5.8175% | 238 |
Loan and lease loss provision to assets | 0.3206% | 3,818 |
Net operating income to assets | -3.3480% | 7,556 |
Return on assets (ROA) | -3.3480% | 7,561 |
Pretax return on assets | -3.3480% | 7,522 |
Return on Equity (ROE) | -8.9184% | 6,926 |
Retained earnings to average equity (ytd only) | -8.9184% | 6,861 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 194.8936% | 106 |
Assets per employee ($millions) | 2.4159% | 7,209 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0586% | 6,149 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 51.7463% | 6,240 |
Net loans and leases to deposits | 76.4953% | 4,240 |
Net loans and leases to core deposits | 76.4953% | 5,139 |
Total domestic deposits to total assets | 67.6463% | 7,441 |
Equity capital to assets | 32.1002% | 72 |
Core capital (leverage) ratio | 31.9417% | 70 |
Tier 1 risk-based capital ratio | 66.3685% | 93 |
Total risk-based capital ratio | 67.5216% | 92 |
Memoranda: | ||
Average total assets | $16,845,670 | 7,698 |
Average earning assets | $14,833,000 | 7,691 |
Average equity | $6,324,000 | 6,365 |
Average total loans | $8,046,330 | 7,627 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2304% | 7,226 |
Cost of funding earning assets | 1.2459% | 5,138 |
Net interest margin | 2.9844% | 6,864 |
Noninterest income to average assets | 0.1025% | 7,193 |
Noninterest expense to average assets | 6.3057% | 186 |
Loan and lease loss provision to assets | 0.2307% | 4,198 |
Net operating income to assets | -3.7937% | 7,706 |
Return on assets (ROA) | -3.7937% | 7,708 |
Pretax return on assets | -3.7937% | 7,674 |
Return on Equity (ROE) | -9.2732% | 7,108 |
Retained earnings to average equity (ytd only) | -9.2732% | 6,917 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 214.9533% | 83 |
Assets per employee ($millions) | 2.1738% | 7,562 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2628% | 5,140 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | 0.0000% | 7,426 |
Net loans and leases to total assets | 40.0173% | 7,249 |
Net loans and leases to deposits | 62.9831% | 6,173 |
Net loans and leases to core deposits | 62.9831% | 6,527 |
Total domestic deposits to total assets | 63.5365% | 7,688 |
Equity capital to assets | 36.2565% | 62 |
Core capital (leverage) ratio | 36.2125% | 61 |
Tier 1 risk-based capital ratio | 90.6250% | 58 |
Total risk-based capital ratio | 91.8779% | 57 |
Memoranda: | ||
Average total assets | $15,605,000 | 7,821 |
Average earning assets | $13,805,000 | 7,812 |
Average equity | $6,384,000 | 6,388 |
Average total loans | $7,015,500 | 7,758 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7216% | 7,103 |
Cost of funding earning assets | 1.0146% | 7,182 |
Net interest margin | 3.7070% | 4,105 |
Noninterest income to average assets | 0.1506% | 6,980 |
Noninterest expense to average assets | 8.6282% | 121 |
Loan and lease loss provision to assets | 0.4429% | 4,172 |
Net operating income to assets | -5.6517% | 7,812 |
Return on assets (ROA) | -5.6517% | 7,803 |
Pretax return on assets | -5.6517% | 7,775 |
Return on Equity (ROE) | -9.4270% | 6,576 |
Retained earnings to average equity (ytd only) | -9.4270% | 6,469 |
Net charge-offs to loans | 0.0363% | 6,763 |
Credit loss provision to net charge-offs | 2,500.0000% | 129 |
Earnings coverage of net charge-offs (x) | -294.0000% | 7,236 |
Efficiency ratio | 236.2694% | 94 |
Assets per employee ($millions) | 1.7275% | 7,846 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1456% | 5,661 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 49.9493% | 6,648 |
Net loans and leases to deposits | 94.3033% | 1,558 |
Net loans and leases to core deposits | 200.0290% | 102 |
Total domestic deposits to total assets | 52.9667% | 7,890 |
Equity capital to assets | 46.7656% | 54 |
Core capital (leverage) ratio | 46.6845% | 52 |
Tier 1 risk-based capital ratio | 86.5163% | 68 |
Total risk-based capital ratio | 87.5907% | 67 |
Memoranda: | ||
Average total assets | $11,288,600 | 7,955 |
Average earning assets | $9,954,200 | 7,943 |
Average equity | $6,767,800 | 6,347 |
Average total loans | $5,509,400 | 7,879 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8138% | 7,093 |
Cost of funding earning assets | 0.8946% | 7,569 |
Net interest margin | 3.9192% | 3,162 |
Noninterest income to average assets | 0.1877% | 6,876 |
Noninterest expense to average assets | 9.2467% | 113 |
Loan and lease loss provision to assets | 0.5506% | 3,185 |
Net operating income to assets | -6.1561% | 7,931 |
Return on assets (ROA) | -6.1561% | 7,929 |
Pretax return on assets | -6.1561% | 7,918 |
Return on Equity (ROE) | -9.5847% | 6,865 |
Retained earnings to average equity (ytd only) | -9.5847% | 6,767 |
Net charge-offs to loans | 0.0519% | 6,190 |
Credit loss provision to net charge-offs | 2,200.0000% | 177 |
Earnings coverage of net charge-offs (x) | -223.7154% | 6,981 |
Efficiency ratio | 239.5189% | 95 |
Assets per employee ($millions) | 1.6721% | 7,944 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1388% | 5,482 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | 0.0000% | 7,541 |
Net loans and leases to total assets | 48.0227% | 6,954 |
Net loans and leases to deposits | 95.8377% | 1,599 |
Net loans and leases to core deposits | 195.4366% | 116 |
Total domestic deposits to total assets | 50.1084% | 7,977 |
Equity capital to assets | 49.4281% | 53 |
Core capital (leverage) ratio | 49.3334% | 56 |
Tier 1 risk-based capital ratio | 87.9674% | 70 |
Total risk-based capital ratio | 88.9557% | 70 |
Memoranda: | ||
Average total assets | $10,655,750 | 8,046 |
Average earning assets | $9,389,500 | 8,034 |
Average equity | $6,844,000 | 6,377 |
Average total loans | $5,141,000 | 7,963 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6635% | 7,438 |
Cost of funding earning assets | 0.7175% | 7,905 |
Net interest margin | 3.9460% | 2,905 |
Noninterest income to average assets | 0.2052% | 6,823 |
Noninterest expense to average assets | 9.9501% | 114 |
Loan and lease loss provision to assets | 0.6770% | 2,401 |
Net operating income to assets | -6.8112% | 8,040 |
Return on assets (ROA) | -6.8112% | 8,034 |
Pretax return on assets | -6.8112% | 8,013 |
Return on Equity (ROE) | -9.5935% | 7,003 |
Retained earnings to average equity (ytd only) | -9.5935% | 6,833 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 245.6989% | 120 |
Assets per employee ($millions) | 1.3678% | 8,092 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0571% | 5,857 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 55.6023% | 6,254 |
Net loans and leases to deposits | 146.8856% | 63 |
Net loans and leases to core deposits | 280.1105% | 44 |
Total domestic deposits to total assets | 37.8541% | 8,106 |
Equity capital to assets | 61.8351% | 45 |
Core capital (leverage) ratio | 61.7687% | 46 |
Tier 1 risk-based capital ratio | 91.7335% | 73 |
Total risk-based capital ratio | 92.6173% | 73 |
Memoranda: | ||
Average total assets | $9,748,670 | 8,148 |
Average earning assets | $8,920,330 | 8,130 |
Average equity | $6,921,330 | 6,396 |
Average total loans | $4,688,670 | 8,067 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0056% | 6,915 |
Cost of funding earning assets | 0.6611% | 8,013 |
Net interest margin | 4.3445% | 1,478 |
Noninterest income to average assets | 0.0437% | 7,864 |
Noninterest expense to average assets | 10.8392% | 99 |
Loan and lease loss provision to assets | 0.6119% | 2,058 |
Net operating income to assets | -7.3864% | 8,133 |
Return on assets (ROA) | -7.3864% | 8,122 |
Pretax return on assets | -7.3864% | 8,091 |
Return on Equity (ROE) | -9.6585% | 7,341 |
Retained earnings to average equity (ytd only) | -9.6585% | 7,078 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 251.6129% | 123 |
Assets per employee ($millions) | 1.2053% | 8,156 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0270% | 5,973 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,590 |
Net loans and leases to total assets | 45.9759% | 7,193 |
Net loans and leases to deposits | 164.3069% | 47 |
Net loans and leases to core deposits | 278.4548% | 43 |
Total domestic deposits to total assets | 27.9817% | 8,179 |
Equity capital to assets | 71.7486% | 37 |
Core capital (leverage) ratio | 71.2294% | 39 |
Tier 1 risk-based capital ratio | 128.8498% | 57 |
Total risk-based capital ratio | 129.7287% | 57 |
Memoranda: | ||
Average total assets | $9,152,000 | 8,206 |
Average earning assets | $8,470,500 | 8,187 |
Average equity | $6,999,000 | 6,410 |
Average total loans | $3,958,500 | 8,140 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5099% | 8,284 |
Cost of funding earning assets | 0.0486% | 8,273 |
Net interest margin | 0.4613% | 8,268 |
Noninterest income to average assets | 0.0000% | 8,110 |
Noninterest expense to average assets | 4.9180% | 653 |
Loan and lease loss provision to assets | 0.3694% | 3,466 |
Net operating income to assets | -4.8488% | 8,077 |
Return on assets (ROA) | -4.8488% | 8,064 |
Pretax return on assets | -4.8488% | 8,005 |
Return on Equity (ROE) | -5.9322% | 6,957 |
Retained earnings to average equity (ytd only) | -5.9322% | 6,656 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 1,110.5263% | 14 |
Assets per employee ($millions) | 1.0828% | 8,228 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9308% | 6,502 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 39.3212% | 7,703 |
Net loans and leases to deposits | 215.5696% | 34 |
Net loans and leases to core deposits | 347.5510% | 33 |
Total domestic deposits to total assets | 18.2406% | 8,241 |
Equity capital to assets | 81.7363% | 30 |
Core capital (leverage) ratio | 81.3773% | 29 |
Tier 1 risk-based capital ratio | 146.0287% | 54 |
Total risk-based capital ratio | 146.7047% | 55 |
Memoranda: | ||
Average total assets | $8,662,000 | 8,269 |
Average earning assets | $8,237,000 | 8,244 |
Average equity | $7,080,000 | 6,432 |
Average total loans | $3,438,000 | 8,211 |