Home > Peoples State Bank > Performance and Condition Ratios
Peoples State Bank, Performance and Condition Ratios
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 | 5.9464% | 168 |
Cost of funding earning assets | 1.0553% | 472 |
Net interest margin | 4.8912% | 321 |
Noninterest income to average assets | 0.3197% | 4,012 |
Noninterest expense to average assets | 1.8912% | 4,919 |
Loan and lease loss provision to assets | 0.1635% | 1,163 |
Net operating income to assets | 2.7051% | 116 |
Return on assets (ROA) | 2.7051% | 116 |
Pretax return on assets | 2.8795% | 129 |
Return on Equity (ROE) | 24.5977% | 94 |
Retained earnings to average equity (ytd only) | 4.7741% | 3,360 |
Net charge-offs to loans | 0.0143% | 2,912 |
Credit loss provision to net charge-offs | 1,500.0000% | 268 |
Earnings coverage of net charge-offs (x) | 279.1600% | 329 |
Efficiency ratio | 38.3284% | 5,364 |
Assets per employee ($millions) | 6.1858% | 1,359 |
Cash dividends to net income (ytd only)* | 80.5912% | 560 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3715% | 1,809 |
Loan loss allowance to noncurrent loans | 36.8910% | 4,628 |
Noncurrent assets plus other real estate owned to assets | 2.9031% | 259 |
Noncurrent loans to loans | 3.7176% | 247 |
Net loans and leases to total assets | 77.0201% | 1,499 |
Net loans and leases to deposits | 92.1059% | 1,609 |
Net loans and leases to core deposits | 113.1268% | 862 |
Total domestic deposits to total assets | 83.6212% | 3,074 |
Equity capital to assets | 10.9053% | 2,745 |
Core capital (leverage) ratio | 11.1463% | 2,459 |
Tier 1 risk-based capital ratio | 10.9016% | 5,080 |
Total risk-based capital ratio | 11.9406% | 5,084 |
Memoranda: | ||
Average total assets | $73,390,000 | 4,583 |
Average earning assets | $69,238,500 | 4,554 |
Average equity | $8,071,000 | 4,641 |
Average total loans | $55,983,750 | 4,230 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9011% | 162 |
Cost of funding earning assets | 1.0328% | 400 |
Net interest margin | 4.8683% | 322 |
Noninterest income to average assets | 0.3091% | 4,102 |
Noninterest expense to average assets | 1.8930% | 4,969 |
Loan and lease loss provision to assets | 0.1641% | 1,124 |
Net operating income to assets | 2.6946% | 107 |
Return on assets (ROA) | 2.6946% | 108 |
Pretax return on assets | 2.8423% | 136 |
Return on Equity (ROE) | 24.4326% | 101 |
Retained earnings to average equity (ytd only) | 7.0693% | 2,044 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 38.6376% | 5,422 |
Assets per employee ($millions) | 5.8352% | 1,610 |
Cash dividends to net income (ytd only)* | 71.0660% | 961 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3398% | 1,992 |
Loan loss allowance to noncurrent loans | 98.5934% | 3,502 |
Noncurrent assets plus other real estate owned to assets | 1.0309% | 1,454 |
Noncurrent loans to loans | 1.3590% | 1,248 |
Net loans and leases to total assets | 74.8421% | 1,814 |
Net loans and leases to deposits | 89.0906% | 1,962 |
Net loans and leases to core deposits | 108.7793% | 1,065 |
Total domestic deposits to total assets | 84.0067% | 3,063 |
Equity capital to assets | 10.7307% | 2,901 |
Core capital (leverage) ratio | 11.3746% | 2,179 |
Tier 1 risk-based capital ratio | 10.6610% | 5,206 |
Total risk-based capital ratio | 11.6469% | 5,220 |
Memoranda: | ||
Average total assets | $73,110,000 | 4,636 |
Average earning assets | $68,936,330 | 4,607 |
Average equity | $8,063,000 | 4,685 |
Average total loans | $55,322,670 | 4,276 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9252% | 157 |
Cost of funding earning assets | 1.0062% | 362 |
Net interest margin | 4.9190% | 266 |
Noninterest income to average assets | 0.3178% | 4,027 |
Noninterest expense to average assets | 1.9739% | 4,899 |
Loan and lease loss provision to assets | 0.1673% | 1,064 |
Net operating income to assets | 2.6876% | 107 |
Return on assets (ROA) | 2.6876% | 109 |
Pretax return on assets | 2.8382% | 130 |
Return on Equity (ROE) | 24.0264% | 106 |
Retained earnings to average equity (ytd only) | 9.0722% | 1,436 |
Net charge-offs to loans | 0.0148% | 2,235 |
Credit loss provision to net charge-offs | 1,500.0000% | 238 |
Earnings coverage of net charge-offs (x) | 269.5000% | 253 |
Efficiency ratio | 39.6417% | 5,465 |
Assets per employee ($millions) | 5.5157% | 1,927 |
Cash dividends to net income (ytd only)* | 62.2407% | 1,205 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3718% | 1,947 |
Loan loss allowance to noncurrent loans | 52.3371% | 4,411 |
Noncurrent assets plus other real estate owned to assets | 1.9692% | 584 |
Noncurrent loans to loans | 2.6211% | 497 |
Net loans and leases to total assets | 74.0991% | 1,842 |
Net loans and leases to deposits | 87.8520% | 1,947 |
Net loans and leases to core deposits | 107.2724% | 1,165 |
Total domestic deposits to total assets | 84.3454% | 3,171 |
Equity capital to assets | 11.2169% | 2,375 |
Core capital (leverage) ratio | 11.3602% | 2,114 |
Tier 1 risk-based capital ratio | 10.8970% | 5,188 |
Total risk-based capital ratio | 11.8750% | 5,213 |
Memoranda: | ||
Average total assets | $71,736,500 | 4,713 |
Average earning assets | $67,981,000 | 4,680 |
Average equity | $8,024,500 | 4,742 |
Average total loans | $54,212,000 | 4,341 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9623% | 142 |
Cost of funding earning assets | 0.9182% | 340 |
Net interest margin | 5.0441% | 221 |
Noninterest income to average assets | 0.4077% | 3,583 |
Noninterest expense to average assets | 1.9586% | 5,025 |
Loan and lease loss provision to assets | 0.1741% | 1,253 |
Net operating income to assets | 2.9176% | 75 |
Return on assets (ROA) | 2.9176% | 74 |
Pretax return on assets | 3.0409% | 98 |
Return on Equity (ROE) | 26.1999% | 57 |
Retained earnings to average equity (ytd only) | 7.9603% | 783 |
Net charge-offs to loans | 0.3289% | 774 |
Credit loss provision to net charge-offs | 70.1754% | 3,085 |
Earnings coverage of net charge-offs (x) | 12.9591% | 2,435 |
Efficiency ratio | 37.8575% | 5,559 |
Assets per employee ($millions) | 5.5207% | 1,910 |
Cash dividends to net income (ytd only)* | 69.6171% | 1,288 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3033% | 2,202 |
Loan loss allowance to noncurrent loans | 48.6320% | 4,524 |
Noncurrent assets plus other real estate owned to assets | 2.0371% | 548 |
Noncurrent loans to loans | 2.6800% | 465 |
Net loans and leases to total assets | 75.0212% | 1,749 |
Net loans and leases to deposits | 87.8021% | 2,040 |
Net loans and leases to core deposits | 105.0186% | 1,342 |
Total domestic deposits to total assets | 85.4436% | 2,675 |
Equity capital to assets | 11.1552% | 2,483 |
Core capital (leverage) ratio | 11.0989% | 2,248 |
Tier 1 risk-based capital ratio | 10.8369% | 5,240 |
Total risk-based capital ratio | 11.7993% | 5,257 |
Memoranda: | ||
Average total assets | $68,927,200 | 4,794 |
Average earning assets | $65,126,200 | 4,762 |
Average equity | $7,675,600 | 4,830 |
Average total loans | $51,996,400 | 4,408 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8670% | 153 |
Cost of funding earning assets | 0.9064% | 332 |
Net interest margin | 4.9606% | 243 |
Noninterest income to average assets | 0.3948% | 3,723 |
Noninterest expense to average assets | 1.9408% | 5,064 |
Loan and lease loss provision to assets | 0.1759% | 1,145 |
Net operating income to assets | 2.8516% | 93 |
Return on assets (ROA) | 2.8516% | 94 |
Pretax return on assets | 2.9630% | 118 |
Return on Equity (ROE) | 25.6194% | 67 |
Retained earnings to average equity (ytd only) | 6.3038% | 2,054 |
Net charge-offs to loans | 0.1713% | 1,219 |
Credit loss provision to net charge-offs | 136.3636% | 1,807 |
Earnings coverage of net charge-offs (x) | 24.3327% | 1,775 |
Efficiency ratio | 38.2070% | 5,615 |
Assets per employee ($millions) | 5.4632% | 1,961 |
Cash dividends to net income (ytd only)* | 75.3943% | 778 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4345% | 1,763 |
Loan loss allowance to noncurrent loans | 155.3360% | 2,715 |
Noncurrent assets plus other real estate owned to assets | 0.7125% | 2,372 |
Noncurrent loans to loans | 0.9235% | 2,081 |
Net loans and leases to total assets | 76.0409% | 1,588 |
Net loans and leases to deposits | 88.7262% | 1,961 |
Net loans and leases to core deposits | 106.2798% | 1,254 |
Total domestic deposits to total assets | 85.7028% | 2,428 |
Equity capital to assets | 11.1150% | 2,749 |
Core capital (leverage) ratio | 11.0388% | 2,419 |
Tier 1 risk-based capital ratio | 10.7305% | 5,363 |
Total risk-based capital ratio | 11.8119% | 5,360 |
Memoranda: | ||
Average total assets | $68,216,750 | 4,858 |
Average earning assets | $64,426,500 | 4,826 |
Average equity | $7,593,000 | 4,891 |
Average total loans | $51,357,250 | 4,461 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7557% | 174 |
Cost of funding earning assets | 0.8828% | 341 |
Net interest margin | 4.8729% | 273 |
Noninterest income to average assets | 0.3805% | 3,828 |
Noninterest expense to average assets | 1.9678% | 5,040 |
Loan and lease loss provision to assets | 0.1784% | 1,070 |
Net operating income to assets | 2.7377% | 101 |
Return on assets (ROA) | 2.7377% | 103 |
Pretax return on assets | 2.8447% | 134 |
Return on Equity (ROE) | 24.5840% | 85 |
Retained earnings to average equity (ytd only) | 3.2298% | 3,788 |
Net charge-offs to loans | 0.3306% | 608 |
Credit loss provision to net charge-offs | 72.2892% | 2,352 |
Earnings coverage of net charge-offs (x) | 12.2530% | 2,209 |
Efficiency ratio | 39.4282% | 5,642 |
Assets per employee ($millions) | 5.3402% | 2,018 |
Cash dividends to net income (ytd only)* | 86.8621% | 694 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3703% | 2,087 |
Loan loss allowance to noncurrent loans | 251.3605% | 1,824 |
Noncurrent assets plus other real estate owned to assets | 0.4235% | 3,422 |
Noncurrent loans to loans | 0.5451% | 3,109 |
Net loans and leases to total assets | 76.6212% | 1,446 |
Net loans and leases to deposits | 86.9804% | 2,105 |
Net loans and leases to core deposits | 103.0853% | 1,434 |
Total domestic deposits to total assets | 88.0902% | 1,411 |
Equity capital to assets | 11.0426% | 2,761 |
Core capital (leverage) ratio | 11.1010% | 2,314 |
Tier 1 risk-based capital ratio | 10.6206% | 5,416 |
Total risk-based capital ratio | 11.6600% | 5,428 |
Memoranda: | ||
Average total assets | $67,282,000 | 4,915 |
Average earning assets | $63,658,670 | 4,876 |
Average equity | $7,492,670 | 4,929 |
Average total loans | $50,212,670 | 4,522 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7016% | 180 |
Cost of funding earning assets | 0.8338% | 400 |
Net interest margin | 4.8678% | 277 |
Noninterest income to average assets | 0.3746% | 3,843 |
Noninterest expense to average assets | 2.0298% | 4,980 |
Loan and lease loss provision to assets | 0.1812% | 952 |
Net operating income to assets | 2.6400% | 115 |
Return on assets (ROA) | 2.6400% | 120 |
Pretax return on assets | 2.7487% | 161 |
Return on Equity (ROE) | 23.6025% | 112 |
Retained earnings to average equity (ytd only) | 1.9984% | 4,337 |
Net charge-offs to loans | 0.1985% | 867 |
Credit loss provision to net charge-offs | 125.0000% | 1,346 |
Earnings coverage of net charge-offs (x) | 20.2083% | 1,493 |
Efficiency ratio | 40.9257% | 5,674 |
Assets per employee ($millions) | 5.1381% | 2,259 |
Cash dividends to net income (ytd only)* | 91.5332% | 805 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5625% | 1,473 |
Loan loss allowance to noncurrent loans | 200.5222% | 2,253 |
Noncurrent assets plus other real estate owned to assets | 0.5734% | 2,943 |
Noncurrent loans to loans | 0.7792% | 2,514 |
Net loans and leases to total assets | 72.4366% | 2,012 |
Net loans and leases to deposits | 81.7574% | 2,543 |
Net loans and leases to core deposits | 96.7235% | 1,769 |
Total domestic deposits to total assets | 88.5994% | 1,374 |
Equity capital to assets | 11.1760% | 2,449 |
Core capital (leverage) ratio | 11.1680% | 2,220 |
Tier 1 risk-based capital ratio | 10.6944% | 5,461 |
Total risk-based capital ratio | 11.7946% | 5,445 |
Memoranda: | ||
Average total assets | $66,212,000 | 4,978 |
Average earning assets | $62,368,500 | 4,945 |
Average equity | $7,406,000 | 4,986 |
Average total loans | $48,353,500 | 4,613 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7113% | 186 |
Cost of funding earning assets | 0.7806% | 551 |
Net interest margin | 4.9307% | 281 |
Noninterest income to average assets | 0.4144% | 3,780 |
Noninterest expense to average assets | 2.0206% | 5,148 |
Loan and lease loss provision to assets | 0.1869% | 1,262 |
Net operating income to assets | 2.7528% | 102 |
Return on assets (ROA) | 2.7528% | 106 |
Pretax return on assets | 2.8712% | 127 |
Return on Equity (ROE) | 24.1810% | 86 |
Retained earnings to average equity (ytd only) | 5.7065% | 1,879 |
Net charge-offs to loans | 0.1199% | 2,057 |
Credit loss provision to net charge-offs | 214.2857% | 1,324 |
Earnings coverage of net charge-offs (x) | 35.0536% | 1,299 |
Efficiency ratio | 39.7853% | 5,787 |
Assets per employee ($millions) | 5.0484% | 2,333 |
Cash dividends to net income (ytd only)* | 76.4007% | 1,045 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6024% | 1,368 |
Loan loss allowance to noncurrent loans | 217.0940% | 2,120 |
Noncurrent assets plus other real estate owned to assets | 0.5348% | 3,139 |
Noncurrent loans to loans | 0.7381% | 2,683 |
Net loans and leases to total assets | 71.2993% | 2,278 |
Net loans and leases to deposits | 80.4404% | 2,843 |
Net loans and leases to core deposits | 94.5065% | 2,054 |
Total domestic deposits to total assets | 88.6361% | 1,304 |
Equity capital to assets | 11.1947% | 2,424 |
Core capital (leverage) ratio | 11.2380% | 2,132 |
Tier 1 risk-based capital ratio | 10.9062% | 5,390 |
Total risk-based capital ratio | 12.0231% | 5,349 |
Memoranda: | ||
Average total assets | $64,190,200 | 5,045 |
Average earning assets | $60,721,400 | 5,002 |
Average equity | $7,307,400 | 5,039 |
Average total loans | $46,686,400 | 4,674 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7089% | 188 |
Cost of funding earning assets | 0.7737% | 564 |
Net interest margin | 4.9353% | 287 |
Noninterest income to average assets | 0.3948% | 3,959 |
Noninterest expense to average assets | 2.0261% | 5,150 |
Loan and lease loss provision to assets | 0.1880% | 1,162 |
Net operating income to assets | 2.7447% | 113 |
Return on assets (ROA) | 2.7447% | 117 |
Pretax return on assets | 2.8575% | 135 |
Return on Equity (ROE) | 24.0077% | 99 |
Retained earnings to average equity (ytd only) | 6.6505% | 1,815 |
Net charge-offs to loans | 0.0086% | 3,627 |
Credit loss provision to net charge-offs | 3,000.0000% | 168 |
Earnings coverage of net charge-offs (x) | 485.9875% | 183 |
Efficiency ratio | 39.9506% | 5,833 |
Assets per employee ($millions) | 6.0061% | 1,430 |
Cash dividends to net income (ytd only)* | 72.2985% | 962 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6074% | 1,444 |
Loan loss allowance to noncurrent loans | 192.8747% | 2,306 |
Noncurrent assets plus other real estate owned to assets | 0.6160% | 3,060 |
Noncurrent loans to loans | 0.8334% | 2,599 |
Net loans and leases to total assets | 72.7307% | 2,056 |
Net loans and leases to deposits | 82.5377% | 2,668 |
Net loans and leases to core deposits | 96.2792% | 1,963 |
Total domestic deposits to total assets | 88.1181% | 1,347 |
Equity capital to assets | 11.5126% | 2,502 |
Core capital (leverage) ratio | 11.2606% | 2,221 |
Tier 1 risk-based capital ratio | 10.9105% | 5,419 |
Total risk-based capital ratio | 12.0696% | 5,376 |
Memoranda: | ||
Average total assets | $63,830,500 | 5,101 |
Average earning assets | $60,488,500 | 5,048 |
Average equity | $7,297,500 | 5,093 |
Average total loans | $46,469,250 | 4,718 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6958% | 188 |
Cost of funding earning assets | 0.7731% | 559 |
Net interest margin | 4.9228% | 304 |
Noninterest income to average assets | 0.3614% | 4,178 |
Noninterest expense to average assets | 2.0195% | 5,234 |
Loan and lease loss provision to assets | 0.1902% | 1,139 |
Net operating income to assets | 2.7011% | 114 |
Return on assets (ROA) | 2.7011% | 114 |
Pretax return on assets | 2.8152% | 141 |
Return on Equity (ROE) | 23.6842% | 115 |
Retained earnings to average equity (ytd only) | 1.4455% | 4,798 |
Net charge-offs to loans | 0.0175% | 3,157 |
Credit loss provision to net charge-offs | 1,500.0000% | 264 |
Earnings coverage of net charge-offs (x) | 237.0000% | 278 |
Efficiency ratio | 40.1893% | 5,902 |
Assets per employee ($millions) | 5.8987% | 1,479 |
Cash dividends to net income (ytd only)* | 93.8967% | 608 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5679% | 1,625 |
Loan loss allowance to noncurrent loans | 49.5076% | 4,822 |
Noncurrent assets plus other real estate owned to assets | 2.4350% | 587 |
Noncurrent loans to loans | 3.1670% | 449 |
Net loans and leases to total assets | 72.9526% | 2,021 |
Net loans and leases to deposits | 82.4382% | 2,656 |
Net loans and leases to core deposits | 113.7912% | 739 |
Total domestic deposits to total assets | 88.4937% | 1,170 |
Equity capital to assets | 11.2089% | 2,837 |
Core capital (leverage) ratio | 10.8873% | 2,546 |
Tier 1 risk-based capital ratio | 10.5944% | 5,631 |
Total risk-based capital ratio | 11.7233% | 5,595 |
Memoranda: | ||
Average total assets | $63,085,000 | 5,171 |
Average earning assets | $59,763,000 | 5,121 |
Average equity | $7,194,670 | 5,159 |
Average total loans | $45,680,330 | 4,779 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5597% | 235 |
Cost of funding earning assets | 0.7884% | 520 |
Net interest margin | 4.7713% | 381 |
Noninterest income to average assets | 0.3924% | 3,889 |
Noninterest expense to average assets | 2.0906% | 5,133 |
Loan and lease loss provision to assets | 0.1930% | 1,027 |
Net operating income to assets | 2.5087% | 153 |
Return on assets (ROA) | 2.5087% | 158 |
Pretax return on assets | 2.6244% | 198 |
Return on Equity (ROE) | 21.8014% | 162 |
Retained earnings to average equity (ytd only) | -0.5590% | 5,212 |
Net charge-offs to loans | 0.0270% | 2,400 |
Credit loss provision to net charge-offs | 1,000.0000% | 359 |
Earnings coverage of net charge-offs (x) | 146.0000% | 411 |
Efficiency ratio | 42.5950% | 5,904 |
Assets per employee ($millions) | 5.6575% | 1,700 |
Cash dividends to net income (ytd only)* | 102.5641% | 682 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6176% | 1,557 |
Loan loss allowance to noncurrent loans | 125.2159% | 3,142 |
Noncurrent assets plus other real estate owned to assets | 1.0220% | 2,161 |
Noncurrent loans to loans | 1.2918% | 1,868 |
Net loans and leases to total assets | 70.8558% | 2,208 |
Net loans and leases to deposits | 80.3275% | 2,749 |
Net loans and leases to core deposits | 112.8529% | 716 |
Total domestic deposits to total assets | 88.2086% | 1,527 |
Equity capital to assets | 11.5535% | 2,394 |
Core capital (leverage) ratio | 11.3583% | 2,086 |
Tier 1 risk-based capital ratio | 10.7860% | 5,617 |
Total risk-based capital ratio | 11.9008% | 5,596 |
Memoranda: | ||
Average total assets | $62,184,500 | 5,241 |
Average earning assets | $58,852,500 | 5,192 |
Average equity | $7,155,500 | 5,201 |
Average total loans | $44,475,500 | 4,852 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7345% | 189 |
Cost of funding earning assets | 0.7851% | 536 |
Net interest margin | 4.9494% | 280 |
Noninterest income to average assets | 0.4208% | 3,888 |
Noninterest expense to average assets | 2.0599% | 5,333 |
Loan and lease loss provision to assets | 0.1957% | 1,112 |
Net operating income to assets | 2.7155% | 117 |
Return on assets (ROA) | 2.7155% | 119 |
Pretax return on assets | 2.8330% | 131 |
Return on Equity (ROE) | 23.6896% | 121 |
Retained earnings to average equity (ytd only) | 3.0590% | 3,882 |
Net charge-offs to loans | 0.1728% | 1,652 |
Credit loss provision to net charge-offs | 157.8947% | 1,694 |
Earnings coverage of net charge-offs (x) | 24.4342% | 1,676 |
Efficiency ratio | 40.4808% | 6,057 |
Assets per employee ($millions) | 5.6488% | 1,656 |
Cash dividends to net income (ytd only)* | 87.0871% | 675 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5817% | 1,672 |
Loan loss allowance to noncurrent loans | 307.4890% | 1,604 |
Noncurrent assets plus other real estate owned to assets | 0.4571% | 3,779 |
Noncurrent loans to loans | 0.5144% | 3,636 |
Net loans and leases to total assets | 69.8988% | 2,377 |
Net loans and leases to deposits | 79.0971% | 2,930 |
Net loans and leases to core deposits | 92.2184% | 2,197 |
Total domestic deposits to total assets | 88.3709% | 1,438 |
Equity capital to assets | 11.4602% | 2,391 |
Core capital (leverage) ratio | 11.0764% | 2,325 |
Tier 1 risk-based capital ratio | 10.9072% | 5,571 |
Total risk-based capital ratio | 11.9911% | 5,569 |
Memoranda: | ||
Average total assets | $61,314,000 | 5,288 |
Average earning assets | $57,825,200 | 5,242 |
Average equity | $7,028,400 | 5,236 |
Average total loans | $43,986,400 | 4,857 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7732% | 176 |
Cost of funding earning assets | 0.7841% | 542 |
Net interest margin | 4.9891% | 258 |
Noninterest income to average assets | 0.4342% | 3,838 |
Noninterest expense to average assets | 2.0335% | 5,415 |
Loan and lease loss provision to assets | 0.1964% | 1,029 |
Net operating income to assets | 2.7928% | 108 |
Return on assets (ROA) | 2.7928% | 108 |
Pretax return on assets | 2.9106% | 130 |
Return on Equity (ROE) | 24.3620% | 123 |
Retained earnings to average equity (ytd only) | 2.9501% | 4,349 |
Net charge-offs to loans | 0.2306% | 1,143 |
Credit loss provision to net charge-offs | 118.4211% | 2,009 |
Earnings coverage of net charge-offs (x) | 18.7370% | 1,982 |
Efficiency ratio | 39.5586% | 6,140 |
Assets per employee ($millions) | 5.2893% | 1,962 |
Cash dividends to net income (ytd only)* | 87.8907% | 566 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4892% | 2,202 |
Loan loss allowance to noncurrent loans | 285.4701% | 1,672 |
Noncurrent assets plus other real estate owned to assets | 0.4601% | 3,951 |
Noncurrent loans to loans | 0.5217% | 3,787 |
Net loans and leases to total assets | 69.6192% | 2,448 |
Net loans and leases to deposits | 78.6697% | 3,023 |
Net loans and leases to core deposits | 94.0130% | 2,074 |
Total domestic deposits to total assets | 88.4955% | 1,299 |
Equity capital to assets | 11.1799% | 2,816 |
Core capital (leverage) ratio | 11.2961% | 2,202 |
Tier 1 risk-based capital ratio | 10.7052% | 5,799 |
Total risk-based capital ratio | 11.7322% | 5,825 |
Memoranda: | ||
Average total assets | $61,108,250 | 5,360 |
Average earning assets | $57,644,500 | 5,318 |
Average equity | $7,005,250 | 5,311 |
Average total loans | $43,950,250 | 4,916 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9168% | 143 |
Cost of funding earning assets | 0.7854% | 539 |
Net interest margin | 5.1314% | 197 |
Noninterest income to average assets | 0.4178% | 3,941 |
Noninterest expense to average assets | 1.9429% | 5,650 |
Loan and lease loss provision to assets | 0.1989% | 988 |
Net operating income to assets | 2.9874% | 91 |
Return on assets (ROA) | 2.9874% | 92 |
Pretax return on assets | 3.1067% | 125 |
Return on Equity (ROE) | 25.8351% | 105 |
Retained earnings to average equity (ytd only) | 2.1792% | 4,619 |
Net charge-offs to loans | 0.1604% | 1,514 |
Credit loss provision to net charge-offs | 171.4286% | 1,395 |
Earnings coverage of net charge-offs (x) | 28.4857% | 1,416 |
Efficiency ratio | 37.0183% | 6,252 |
Assets per employee ($millions) | 5.0617% | 2,193 |
Cash dividends to net income (ytd only)* | 91.5649% | 680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4943% | 2,322 |
Loan loss allowance to noncurrent loans | 129.8279% | 3,105 |
Noncurrent assets plus other real estate owned to assets | 0.8610% | 2,829 |
Noncurrent loans to loans | 1.1510% | 2,346 |
Net loans and leases to total assets | 73.6895% | 1,709 |
Net loans and leases to deposits | 83.5305% | 2,379 |
Net loans and leases to core deposits | 100.7700% | 1,423 |
Total domestic deposits to total assets | 88.2186% | 1,536 |
Equity capital to assets | 11.4900% | 2,422 |
Core capital (leverage) ratio | 11.4377% | 2,044 |
Tier 1 risk-based capital ratio | 11.3522% | 5,542 |
Total risk-based capital ratio | 11.3522% | 6,003 |
Memoranda: | ||
Average total assets | $60,320,670 | 5,440 |
Average earning assets | $56,787,670 | 5,400 |
Average equity | $6,975,000 | 5,365 |
Average total loans | $43,648,330 | 4,960 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8346% | 163 |
Cost of funding earning assets | 0.7675% | 598 |
Net interest margin | 5.0671% | 219 |
Noninterest income to average assets | 0.3726% | 4,224 |
Noninterest expense to average assets | 1.9098% | 5,744 |
Loan and lease loss provision to assets | 0.1996% | 931 |
Net operating income to assets | 2.8880% | 92 |
Return on assets (ROA) | 2.8880% | 98 |
Pretax return on assets | 3.0078% | 132 |
Return on Equity (ROE) | 24.8960% | 106 |
Retained earnings to average equity (ytd only) | -3.7860% | 5,849 |
Net charge-offs to loans | -0.0187% | 5,012 |
Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.3212% | 6,317 |
Assets per employee ($millions) | 5.0148% | 2,339 |
Cash dividends to net income (ytd only)* | 115.2074% | 555 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6133% | 2,003 |
Loan loss allowance to noncurrent loans | 46.6984% | 5,116 |
Noncurrent assets plus other real estate owned to assets | 2.4411% | 889 |
Noncurrent loans to loans | 3.4547% | 558 |
Net loans and leases to total assets | 69.5216% | 2,199 |
Net loans and leases to deposits | 79.6285% | 2,603 |
Net loans and leases to core deposits | 95.8376% | 1,629 |
Total domestic deposits to total assets | 87.3074% | 2,209 |
Equity capital to assets | 11.6024% | 2,377 |
Core capital (leverage) ratio | 11.3632% | 2,110 |
Tier 1 risk-based capital ratio | 11.2504% | 5,688 |
Total risk-based capital ratio | 11.2504% | 6,119 |
Memoranda: | ||
Average total assets | $60,111,000 | 5,499 |
Average earning assets | $56,285,000 | 5,459 |
Average equity | $6,973,000 | 5,406 |
Average total loans | $42,753,500 | 5,035 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7579% | 210 |
Cost of funding earning assets | 0.8448% | 522 |
Net interest margin | 4.9130% | 347 |
Noninterest income to average assets | 0.4907% | 3,579 |
Noninterest expense to average assets | 1.9444% | 5,870 |
Loan and lease loss provision to assets | 0.2010% | 1,264 |
Net operating income to assets | 2.8672% | 106 |
Return on assets (ROA) | 2.8672% | 105 |
Pretax return on assets | 2.9912% | 116 |
Return on Equity (ROE) | 25.5622% | 94 |
Retained earnings to average equity (ytd only) | 3.1654% | 3,985 |
Net charge-offs to loans | 0.1086% | 2,963 |
Credit loss provision to net charge-offs | 260.8696% | 983 |
Earnings coverage of net charge-offs (x) | 41.4348% | 1,052 |
Efficiency ratio | 37.8546% | 6,426 |
Assets per employee ($millions) | 5.0038% | 2,317 |
Cash dividends to net income (ytd only)* | 87.6168% | 645 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5215% | 2,377 |
Loan loss allowance to noncurrent loans | 61.2933% | 4,771 |
Noncurrent assets plus other real estate owned to assets | 1.7770% | 1,472 |
Noncurrent loans to loans | 2.4823% | 1,030 |
Net loans and leases to total assets | 70.4988% | 2,156 |
Net loans and leases to deposits | 80.6950% | 2,642 |
Net loans and leases to core deposits | 93.9374% | 1,930 |
Total domestic deposits to total assets | 87.3645% | 2,098 |
Equity capital to assets | 11.5980% | 2,345 |
Core capital (leverage) ratio | 11.4309% | 2,037 |
Tier 1 risk-based capital ratio | 12.9459% | 4,753 |
Total risk-based capital ratio | 14.1876% | 4,685 |
Memoranda: | ||
Average total assets | $59,709,000 | 5,558 |
Average earning assets | $56,462,000 | 5,508 |
Average equity | $6,697,400 | 5,481 |
Average total loans | $42,357,400 | 5,090 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6948% | 230 |
Cost of funding earning assets | 0.8623% | 511 |
Net interest margin | 4.8324% | 399 |
Noninterest income to average assets | 0.4651% | 3,767 |
Noninterest expense to average assets | 1.9768% | 5,803 |
Loan and lease loss provision to assets | 0.2013% | 1,177 |
Net operating income to assets | 2.7527% | 114 |
Return on assets (ROA) | 2.7527% | 113 |
Pretax return on assets | 2.8734% | 129 |
Return on Equity (ROE) | 24.7527% | 108 |
Retained earnings to average equity (ytd only) | 2.6341% | 4,718 |
Net charge-offs to loans | 0.0284% | 3,917 |
Credit loss provision to net charge-offs | 1,000.0000% | 325 |
Earnings coverage of net charge-offs (x) | 152.7742% | 409 |
Efficiency ratio | 39.1324% | 6,472 |
Assets per employee ($millions) | 4.9984% | 2,241 |
Cash dividends to net income (ytd only)* | 89.3584% | 544 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5028% | 2,692 |
Loan loss allowance to noncurrent loans | 211.8590% | 2,059 |
Noncurrent assets plus other real estate owned to assets | 0.5202% | 4,318 |
Noncurrent loans to loans | 0.7093% | 3,834 |
Net loans and leases to total assets | 72.2312% | 1,805 |
Net loans and leases to deposits | 83.5342% | 2,220 |
Net loans and leases to core deposits | 97.4252% | 1,559 |
Total domestic deposits to total assets | 86.4690% | 2,603 |
Equity capital to assets | 11.4786% | 2,502 |
Core capital (leverage) ratio | 11.1315% | 2,367 |
Tier 1 risk-based capital ratio | 12.6922% | 5,044 |
Total risk-based capital ratio | 13.9375% | 4,958 |
Memoranda: | ||
Average total assets | $59,625,000 | 5,620 |
Average earning assets | $56,588,750 | 5,557 |
Average equity | $6,630,750 | 5,548 |
Average total loans | $42,200,500 | 5,155 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5666% | 276 |
Cost of funding earning assets | 0.8788% | 481 |
Net interest margin | 4.6879% | 499 |
Noninterest income to average assets | 0.4705% | 3,706 |
Noninterest expense to average assets | 1.9561% | 5,906 |
Loan and lease loss provision to assets | 0.2017% | 1,189 |
Net operating income to assets | 2.6384% | 121 |
Return on assets (ROA) | 2.6384% | 122 |
Pretax return on assets | 2.7594% | 148 |
Return on Equity (ROE) | 23.9841% | 139 |
Retained earnings to average equity (ytd only) | -3.5136% | 6,137 |
Net charge-offs to loans | 0.0433% | 3,361 |
Credit loss provision to net charge-offs | 666.6667% | 466 |
Earnings coverage of net charge-offs (x) | 97.8889% | 563 |
Efficiency ratio | 39.7813% | 6,524 |
Assets per employee ($millions) | 5.4848% | 1,705 |
Cash dividends to net income (ytd only)* | 114.6497% | 403 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4475% | 3,122 |
Loan loss allowance to noncurrent loans | 201.5974% | 2,119 |
Noncurrent assets plus other real estate owned to assets | 0.5188% | 4,445 |
Noncurrent loans to loans | 0.7180% | 3,909 |
Net loans and leases to total assets | 71.2065% | 1,881 |
Net loans and leases to deposits | 81.0998% | 2,375 |
Net loans and leases to core deposits | 94.2582% | 1,748 |
Total domestic deposits to total assets | 87.8010% | 2,034 |
Equity capital to assets | 11.0222% | 2,851 |
Core capital (leverage) ratio | 10.7499% | 2,674 |
Tier 1 risk-based capital ratio | 12.4522% | 5,258 |
Total risk-based capital ratio | 13.6644% | 5,206 |
Memoranda: | ||
Average total assets | $59,506,330 | 5,676 |
Average earning assets | $56,443,670 | 5,599 |
Average equity | $6,546,000 | 5,594 |
Average total loans | $41,605,330 | 5,211 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5307% | 279 |
Cost of funding earning assets | 0.9087% | 429 |
Net interest margin | 4.6220% | 540 |
Noninterest income to average assets | 0.3655% | 4,466 |
Noninterest expense to average assets | 2.0239% | 5,836 |
Loan and lease loss provision to assets | 0.2031% | 1,147 |
Net operating income to assets | 2.3895% | 179 |
Return on assets (ROA) | 2.3895% | 189 |
Pretax return on assets | 2.5113% | 219 |
Return on Equity (ROE) | 21.7431% | 207 |
Retained earnings to average equity (ytd only) | -21.3736% | 6,544 |
Net charge-offs to loans | 0.0689% | 2,462 |
Credit loss provision to net charge-offs | 428.5714% | 614 |
Earnings coverage of net charge-offs (x) | 57.2857% | 679 |
Efficiency ratio | 42.7143% | 6,529 |
Assets per employee ($millions) | 5.6089% | 1,609 |
Cash dividends to net income (ytd only)* | 198.3003% | 261 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5190% | 3,064 |
Loan loss allowance to noncurrent loans | 93.9252% | 3,760 |
Noncurrent assets plus other real estate owned to assets | 1.0811% | 3,091 |
Noncurrent loans to loans | 1.6172% | 2,405 |
Net loans and leases to total assets | 63.3651% | 3,002 |
Net loans and leases to deposits | 71.5200% | 3,406 |
Net loans and leases to core deposits | 82.8091% | 2,656 |
Total domestic deposits to total assets | 88.5977% | 1,893 |
Equity capital to assets | 10.2986% | 3,476 |
Core capital (leverage) ratio | 10.5522% | 2,866 |
Tier 1 risk-based capital ratio | 12.7904% | 5,127 |
Total risk-based capital ratio | 14.0246% | 5,082 |
Memoranda: | ||
Average total assets | $59,093,000 | 5,737 |
Average earning assets | $55,906,000 | 5,670 |
Average equity | $6,494,000 | 5,637 |
Average total loans | $40,612,000 | 5,293 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0148% | 166 |
Cost of funding earning assets | 1.0824% | 312 |
Net interest margin | 4.9324% | 337 |
Noninterest income to average assets | 0.4846% | 3,857 |
Noninterest expense to average assets | 1.9813% | 6,063 |
Loan and lease loss provision to assets | 0.3040% | 1,104 |
Net operating income to assets | 2.6787% | 144 |
Return on assets (ROA) | 2.6787% | 143 |
Pretax return on assets | 2.7950% | 149 |
Return on Equity (ROE) | 23.5180% | 162 |
Retained earnings to average equity (ytd only) | 5.4635% | 2,301 |
Net charge-offs to loans | 0.2341% | 2,577 |
Credit loss provision to net charge-offs | 182.7957% | 1,258 |
Earnings coverage of net charge-offs (x) | 18.6344% | 1,644 |
Efficiency ratio | 39.0004% | 6,709 |
Assets per employee ($millions) | 5.1353% | 2,028 |
Cash dividends to net income (ytd only)* | 76.7690% | 1,034 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3967% | 3,670 |
Loan loss allowance to noncurrent loans | 552.3810% | 879 |
Noncurrent assets plus other real estate owned to assets | 0.2301% | 5,591 |
Noncurrent loans to loans | 0.2529% | 5,423 |
Net loans and leases to total assets | 72.4862% | 1,600 |
Net loans and leases to deposits | 84.0970% | 1,931 |
Net loans and leases to core deposits | 97.2450% | 1,366 |
Total domestic deposits to total assets | 86.1935% | 3,160 |
Equity capital to assets | 11.7441% | 1,993 |
Core capital (leverage) ratio | 11.4823% | 1,976 |
Tier 1 risk-based capital ratio | 13.3094% | 4,780 |
Total risk-based capital ratio | 14.4797% | 4,774 |
Memoranda: | ||
Average total assets | $55,921,800 | 5,874 |
Average earning assets | $52,104,400 | 5,832 |
Average equity | $6,369,600 | 5,724 |
Average total loans | $39,732,800 | 5,359 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0280% | 173 |
Cost of funding earning assets | 1.1262% | 265 |
Net interest margin | 4.9018% | 366 |
Noninterest income to average assets | 0.4900% | 3,879 |
Noninterest expense to average assets | 2.1226% | 5,786 |
Loan and lease loss provision to assets | 0.3346% | 983 |
Net operating income to assets | 2.4500% | 182 |
Return on assets (ROA) | 2.4500% | 191 |
Pretax return on assets | 2.5791% | 225 |
Return on Equity (ROE) | 21.6805% | 215 |
Retained earnings to average equity (ytd only) | -2.6439% | 6,328 |
Net charge-offs to loans | 0.2681% | 2,209 |
Credit loss provision to net charge-offs | 177.2152% | 1,360 |
Earnings coverage of net charge-offs (x) | 15.4305% | 1,865 |
Efficiency ratio | 42.1452% | 6,706 |
Assets per employee ($millions) | 5.1351% | 2,012 |
Cash dividends to net income (ytd only)* | 112.1957% | 291 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3839% | 3,969 |
Loan loss allowance to noncurrent loans | 206.5934% | 1,931 |
Noncurrent assets plus other real estate owned to assets | 0.5276% | 4,859 |
Noncurrent loans to loans | 0.6699% | 4,526 |
Net loans and leases to total assets | 71.1504% | 1,756 |
Net loans and leases to deposits | 82.0573% | 2,130 |
Net loans and leases to core deposits | 93.2591% | 1,646 |
Total domestic deposits to total assets | 86.7082% | 2,847 |
Equity capital to assets | 11.0541% | 2,712 |
Core capital (leverage) ratio | 11.0033% | 2,477 |
Tier 1 risk-based capital ratio | 12.5910% | 5,398 |
Total risk-based capital ratio | 13.7510% | 5,401 |
Memoranda: | ||
Average total assets | $55,780,250 | 5,946 |
Average earning assets | $51,734,750 | 5,907 |
Average equity | $6,303,500 | 5,813 |
Average total loans | $39,284,500 | 5,431 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9442% | 197 |
Cost of funding earning assets | 1.1407% | 272 |
Net interest margin | 4.8034% | 432 |
Noninterest income to average assets | 0.4825% | 3,948 |
Noninterest expense to average assets | 2.0776% | 5,913 |
Loan and lease loss provision to assets | 0.2160% | 1,756 |
Net operating income to assets | 2.5169% | 171 |
Return on assets (ROA) | 2.5169% | 183 |
Pretax return on assets | 2.6465% | 223 |
Return on Equity (ROE) | 22.1086% | 202 |
Retained earnings to average equity (ytd only) | -3.9852% | 6,394 |
Net charge-offs to loans | 0.0412% | 4,099 |
Credit loss provision to net charge-offs | 750.0000% | 398 |
Earnings coverage of net charge-offs (x) | 99.3750% | 464 |
Efficiency ratio | 42.0554% | 6,752 |
Assets per employee ($millions) | 5.0423% | 2,067 |
Cash dividends to net income (ytd only)* | 118.0258% | 354 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3810% | 4,124 |
Loan loss allowance to noncurrent loans | 281.7259% | 1,495 |
Noncurrent assets plus other real estate owned to assets | 0.4093% | 5,253 |
Noncurrent loans to loans | 0.4902% | 5,038 |
Net loans and leases to total assets | 71.4577% | 1,654 |
Net loans and leases to deposits | 83.6761% | 1,839 |
Net loans and leases to core deposits | 95.5428% | 1,394 |
Total domestic deposits to total assets | 85.3980% | 3,698 |
Equity capital to assets | 11.2936% | 2,474 |
Core capital (leverage) ratio | 10.9829% | 2,370 |
Tier 1 risk-based capital ratio | 12.7566% | 5,323 |
Total risk-based capital ratio | 13.9133% | 5,324 |
Memoranda: | ||
Average total assets | $55,545,000 | 5,982 |
Average earning assets | $51,546,330 | 5,952 |
Average equity | $6,323,330 | 5,843 |
Average total loans | $38,794,670 | 5,476 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8061% | 230 |
Cost of funding earning assets | 1.1643% | 267 |
Net interest margin | 4.6418% | 526 |
Noninterest income to average assets | 0.4678% | 4,005 |
Noninterest expense to average assets | 2.0365% | 6,029 |
Loan and lease loss provision to assets | 0.2159% | 1,719 |
Net operating income to assets | 2.3603% | 185 |
Return on assets (ROA) | 2.3603% | 203 |
Pretax return on assets | 2.4899% | 271 |
Return on Equity (ROE) | 20.6517% | 252 |
Retained earnings to average equity (ytd only) | -31.2923% | 6,902 |
Net charge-offs to loans | -0.0105% | 5,459 |
Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.9439% | 6,809 |
Assets per employee ($millions) | 5.0580% | 2,142 |
Cash dividends to net income (ytd only)* | 251.5244% | 132 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3865% | 4,308 |
Loan loss allowance to noncurrent loans | 260.9756% | 1,510 |
Noncurrent assets plus other real estate owned to assets | 0.4224% | 5,341 |
Noncurrent loans to loans | 0.5313% | 5,112 |
Net loans and leases to total assets | 68.3903% | 1,941 |
Net loans and leases to deposits | 79.8921% | 2,087 |
Net loans and leases to core deposits | 91.4248% | 1,567 |
Total domestic deposits to total assets | 85.6034% | 3,737 |
Equity capital to assets | 10.9458% | 3,021 |
Core capital (leverage) ratio | 10.3971% | 2,909 |
Tier 1 risk-based capital ratio | 12.1982% | 5,790 |
Total risk-based capital ratio | 13.3332% | 5,813 |
Memoranda: | ||
Average total assets | $55,585,000 | 6,031 |
Average earning assets | $51,187,500 | 6,015 |
Average equity | $6,353,000 | 5,898 |
Average total loans | $38,097,500 | 5,541 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9145% | 304 |
Cost of funding earning assets | 1.3016% | 371 |
Net interest margin | 4.6129% | 765 |
Noninterest income to average assets | 0.4877% | 3,980 |
Noninterest expense to average assets | 1.9944% | 6,336 |
Loan and lease loss provision to assets | 0.3094% | 2,204 |
Net operating income to assets | 2.3238% | 201 |
Return on assets (ROA) | 2.3238% | 219 |
Pretax return on assets | 2.4275% | 280 |
Return on Equity (ROE) | 20.7501% | 272 |
Retained earnings to average equity (ytd only) | 8.8070% | 879 |
Net charge-offs to loans | 0.6764% | 1,743 |
Credit loss provision to net charge-offs | 68.8259% | 4,210 |
Earnings coverage of net charge-offs (x) | 6.0891% | 2,877 |
Efficiency ratio | 42.1538% | 6,890 |
Assets per employee ($millions) | 5.0484% | 2,171 |
Cash dividends to net income (ytd only)* | 57.5568% | 1,924 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3401% | 4,455 |
Loan loss allowance to noncurrent loans | 250.7463% | 1,529 |
Noncurrent assets plus other real estate owned to assets | 0.4160% | 5,449 |
Noncurrent loans to loans | 0.5344% | 5,191 |
Net loans and leases to total assets | 66.8173% | 2,401 |
Net loans and leases to deposits | 78.8814% | 2,414 |
Net loans and leases to core deposits | 86.8339% | 2,204 |
Total domestic deposits to total assets | 84.7061% | 3,986 |
Equity capital to assets | 11.9139% | 2,107 |
Core capital (leverage) ratio | 11.3086% | 2,008 |
Tier 1 risk-based capital ratio | 13.3387% | 4,872 |
Total risk-based capital ratio | 14.4147% | 4,929 |
Memoranda: | ||
Average total assets | $54,953,600 | 6,050 |
Average earning assets | $50,554,000 | 6,030 |
Average equity | $6,154,200 | 5,982 |
Average total loans | $36,519,000 | 5,659 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9129% | 324 |
Cost of funding earning assets | 1.3228% | 401 |
Net interest margin | 4.5901% | 838 |
Noninterest income to average assets | 0.4671% | 4,164 |
Noninterest expense to average assets | 2.0775% | 6,213 |
Loan and lease loss provision to assets | 0.3406% | 1,922 |
Net operating income to assets | 2.1918% | 285 |
Return on assets (ROA) | 2.1918% | 324 |
Pretax return on assets | 2.2867% | 408 |
Return on Equity (ROE) | 19.8932% | 333 |
Retained earnings to average equity (ytd only) | 3.6652% | 4,309 |
Net charge-offs to loans | 0.8460% | 1,303 |
Credit loss provision to net charge-offs | 60.8696% | 4,130 |
Earnings coverage of net charge-offs (x) | 4.6956% | 3,231 |
Efficiency ratio | 44.1572% | 6,892 |
Assets per employee ($millions) | 4.9222% | 2,296 |
Cash dividends to net income (ytd only)* | 81.5766% | 611 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3282% | 4,685 |
Loan loss allowance to noncurrent loans | 239.5122% | 1,503 |
Noncurrent assets plus other real estate owned to assets | 0.5264% | 5,359 |
Noncurrent loans to loans | 0.5545% | 5,336 |
Net loans and leases to total assets | 67.3703% | 2,388 |
Net loans and leases to deposits | 79.5312% | 2,470 |
Net loans and leases to core deposits | 87.7758% | 2,238 |
Total domestic deposits to total assets | 84.7093% | 3,881 |
Equity capital to assets | 11.6541% | 2,589 |
Core capital (leverage) ratio | 10.9587% | 2,434 |
Tier 1 risk-based capital ratio | 12.7986% | 5,408 |
Total risk-based capital ratio | 13.8685% | 5,509 |
Memoranda: | ||
Average total assets | $54,809,000 | 6,128 |
Average earning assets | $50,600,250 | 6,095 |
Average equity | $6,038,750 | 6,080 |
Average total loans | $36,246,500 | 5,739 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9461% | 320 |
Cost of funding earning assets | 1.3539% | 421 |
Net interest margin | 4.5922% | 840 |
Noninterest income to average assets | 0.3961% | 4,683 |
Noninterest expense to average assets | 2.0643% | 6,308 |
Loan and lease loss provision to assets | 0.2181% | 2,894 |
Net operating income to assets | 2.2533% | 262 |
Return on assets (ROA) | 2.2533% | 296 |
Pretax return on assets | 2.3296% | 393 |
Return on Equity (ROE) | 20.8462% | 298 |
Retained earnings to average equity (ytd only) | -3.0261% | 6,464 |
Net charge-offs to loans | 1.2887% | 830 |
Credit loss provision to net charge-offs | 25.8621% | 4,511 |
Earnings coverage of net charge-offs (x) | 3.0216% | 3,540 |
Efficiency ratio | 44.7597% | 6,927 |
Assets per employee ($millions) | 4.8314% | 2,385 |
Cash dividends to net income (ytd only)* | 114.5161% | 306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0949% | 5,797 |
Loan loss allowance to noncurrent loans | 305.2239% | 1,177 |
Noncurrent assets plus other real estate owned to assets | 0.5118% | 5,484 |
Noncurrent loans to loans | 0.3587% | 5,825 |
Net loans and leases to total assets | 69.5192% | 2,004 |
Net loans and leases to deposits | 82.7125% | 2,022 |
Net loans and leases to core deposits | 92.1117% | 1,769 |
Total domestic deposits to total assets | 84.0493% | 4,303 |
Equity capital to assets | 11.3727% | 2,714 |
Core capital (leverage) ratio | 10.2124% | 3,126 |
Tier 1 risk-based capital ratio | 12.1777% | 5,814 |
Total risk-based capital ratio | 13.0668% | 6,019 |
Memoranda: | ||
Average total assets | $55,030,670 | 6,164 |
Average earning assets | $50,520,330 | 6,137 |
Average equity | $5,948,330 | 6,131 |
Average total loans | $36,006,000 | 5,781 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9263% | 343 |
Cost of funding earning assets | 1.4005% | 427 |
Net interest margin | 4.5259% | 962 |
Noninterest income to average assets | 0.3359% | 5,173 |
Noninterest expense to average assets | 2.0152% | 6,436 |
Loan and lease loss provision to assets | 0.2144% | 2,808 |
Net operating income to assets | 2.1296% | 333 |
Return on assets (ROA) | 2.1296% | 388 |
Pretax return on assets | 2.1939% | 542 |
Return on Equity (ROE) | 20.2017% | 378 |
Retained earnings to average equity (ytd only) | -27.9298% | 7,116 |
Net charge-offs to loans | 0.3396% | 2,293 |
Credit loss provision to net charge-offs | 100.0000% | 2,289 |
Earnings coverage of net charge-offs (x) | 11.2333% | 1,685 |
Efficiency ratio | 45.5574% | 6,925 |
Assets per employee ($millions) | 5.1136% | 2,107 |
Cash dividends to net income (ytd only)* | 238.2550% | 116 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6600% | 3,498 |
Loan loss allowance to noncurrent loans | 254.8246% | 1,323 |
Noncurrent assets plus other real estate owned to assets | 0.5476% | 5,509 |
Noncurrent loans to loans | 0.6514% | 5,339 |
Net loans and leases to total assets | 61.1911% | 3,413 |
Net loans and leases to deposits | 70.8114% | 3,612 |
Net loans and leases to core deposits | 78.6473% | 3,240 |
Total domestic deposits to total assets | 86.4142% | 3,293 |
Equity capital to assets | 10.1227% | 3,958 |
Core capital (leverage) ratio | 9.8745% | 3,535 |
Tier 1 risk-based capital ratio | 11.9215% | 6,012 |
Total risk-based capital ratio | 13.1731% | 6,008 |
Memoranda: | ||
Average total assets | $55,973,500 | 6,177 |
Average earning assets | $50,554,000 | 6,170 |
Average equity | $5,900,500 | 6,172 |
Average total loans | $35,331,500 | 5,855 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1932% | 308 |
Cost of funding earning assets | 1.7194% | 301 |
Net interest margin | 4.4738% | 1,199 |
Noninterest income to average assets | 0.5239% | 3,689 |
Noninterest expense to average assets | 2.1288% | 6,430 |
Loan and lease loss provision to assets | 0.2329% | 3,876 |
Net operating income to assets | 2.2025% | 225 |
Return on assets (ROA) | 2.2025% | 236 |
Pretax return on assets | 2.2976% | 303 |
Return on Equity (ROE) | 20.6551% | 238 |
Retained earnings to average equity (ytd only) | 14.2857% | 158 |
Net charge-offs to loans | 0.0118% | 6,266 |
Credit loss provision to net charge-offs | 3,000.0000% | 73 |
Earnings coverage of net charge-offs (x) | 326.0000% | 112 |
Efficiency ratio | 45.6893% | 7,065 |
Assets per employee ($millions) | 5.0634% | 2,115 |
Cash dividends to net income (ytd only)* | 30.8370% | 3,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6292% | 3,468 |
Loan loss allowance to noncurrent loans | 193.0233% | 1,715 |
Noncurrent assets plus other real estate owned to assets | 0.6841% | 5,273 |
Noncurrent loans to loans | 0.8440% | 4,999 |
Net loans and leases to total assets | 62.9854% | 3,404 |
Net loans and leases to deposits | 75.3021% | 3,294 |
Net loans and leases to core deposits | 85.7705% | 2,662 |
Total domestic deposits to total assets | 83.6436% | 4,477 |
Equity capital to assets | 10.9647% | 3,009 |
Core capital (leverage) ratio | 10.5256% | 2,695 |
Tier 1 risk-based capital ratio | 12.5586% | 5,402 |
Total risk-based capital ratio | 13.8107% | 5,389 |
Memoranda: | ||
Average total assets | $51,532,200 | 6,317 |
Average earning assets | $47,632,600 | 6,268 |
Average equity | $5,495,000 | 6,296 |
Average total loans | $33,913,400 | 5,956 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2110% | 319 |
Cost of funding earning assets | 1.7807% | 280 |
Net interest margin | 4.4304% | 1,316 |
Noninterest income to average assets | 0.5281% | 3,667 |
Noninterest expense to average assets | 2.2050% | 6,265 |
Loan and lease loss provision to assets | 0.2377% | 3,632 |
Net operating income to assets | 2.1099% | 290 |
Return on assets (ROA) | 2.1099% | 310 |
Pretax return on assets | 2.2050% | 420 |
Return on Equity (ROE) | 19.9422% | 322 |
Retained earnings to average equity (ytd only) | 11.2065% | 595 |
Net charge-offs to loans | 0.0159% | 5,931 |
Credit loss provision to net charge-offs | 2,250.0000% | 121 |
Earnings coverage of net charge-offs (x) | 231.3884% | 171 |
Efficiency ratio | 47.4432% | 6,989 |
Assets per employee ($millions) | 4.8131% | 2,454 |
Cash dividends to net income (ytd only)* | 43.8051% | 1,861 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5941% | 3,692 |
Loan loss allowance to noncurrent loans | 171.6511% | 1,777 |
Noncurrent assets plus other real estate owned to assets | 0.7574% | 5,262 |
Noncurrent loans to loans | 0.9287% | 5,025 |
Net loans and leases to total assets | 64.2452% | 3,261 |
Net loans and leases to deposits | 75.3072% | 3,452 |
Net loans and leases to core deposits | 87.1350% | 2,612 |
Total domestic deposits to total assets | 85.3109% | 3,609 |
Equity capital to assets | 10.9172% | 3,223 |
Core capital (leverage) ratio | 10.4839% | 2,885 |
Tier 1 risk-based capital ratio | 12.4245% | 5,552 |
Total risk-based capital ratio | 13.6760% | 5,542 |
Memoranda: | ||
Average total assets | $50,491,000 | 6,410 |
Average earning assets | $46,947,500 | 6,343 |
Average equity | $5,342,000 | 6,393 |
Average total loans | $33,476,250 | 6,038 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2582% | 294 |
Cost of funding earning assets | 1.8692% | 240 |
Net interest margin | 4.3890% | 1,401 |
Noninterest income to average assets | 0.4912% | 3,937 |
Noninterest expense to average assets | 2.2185% | 6,337 |
Loan and lease loss provision to assets | 0.2416% | 3,492 |
Net operating income to assets | 2.0091% | 339 |
Return on assets (ROA) | 2.0091% | 354 |
Pretax return on assets | 2.1058% | 485 |
Return on Equity (ROE) | 19.2071% | 367 |
Retained earnings to average equity (ytd only) | 5.7352% | 2,572 |
Net charge-offs to loans | -0.0060% | 6,610 |
Credit loss provision to net charge-offs | -6,000.0000% | 6,783 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.5891% | 7,030 |
Assets per employee ($millions) | 4.5582% | 2,747 |
Cash dividends to net income (ytd only)* | 70.1403% | 1,031 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5291% | 3,986 |
Loan loss allowance to noncurrent loans | 87.8130% | 3,240 |
Noncurrent assets plus other real estate owned to assets | 1.2046% | 4,482 |
Noncurrent loans to loans | 1.7413% | 3,827 |
Net loans and leases to total assets | 67.5588% | 2,700 |
Net loans and leases to deposits | 79.3116% | 2,921 |
Net loans and leases to core deposits | 91.3588% | 2,213 |
Total domestic deposits to total assets | 85.1815% | 3,793 |
Equity capital to assets | 10.8556% | 3,125 |
Core capital (leverage) ratio | 10.0589% | 3,188 |
Tier 1 risk-based capital ratio | 12.1003% | 5,711 |
Total risk-based capital ratio | 13.3507% | 5,677 |
Memoranda: | ||
Average total assets | $49,673,330 | 6,488 |
Average earning assets | $46,115,670 | 6,439 |
Average equity | $5,196,000 | 6,468 |
Average total loans | $33,113,330 | 6,126 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1003% | 402 |
Cost of funding earning assets | 1.9490% | 207 |
Net interest margin | 4.1514% | 2,076 |
Noninterest income to average assets | 0.4369% | 4,393 |
Noninterest expense to average assets | 2.3463% | 6,062 |
Loan and lease loss provision to assets | 0.2427% | 3,243 |
Net operating income to assets | 1.5939% | 702 |
Return on assets (ROA) | 1.5939% | 746 |
Pretax return on assets | 1.6909% | 1,001 |
Return on Equity (ROE) | 15.5347% | 732 |
Retained earnings to average equity (ytd only) | -12.0651% | 6,943 |
Net charge-offs to loans | -0.0123% | 6,425 |
Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.8204% | 6,616 |
Assets per employee ($millions) | 4.6527% | 2,653 |
Cash dividends to net income (ytd only)* | 177.6650% | 247 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5288% | 4,056 |
Loan loss allowance to noncurrent loans | 116.7059% | 2,485 |
Noncurrent assets plus other real estate owned to assets | 0.8402% | 5,225 |
Noncurrent loans to loans | 1.3099% | 4,509 |
Net loans and leases to total assets | 62.4228% | 3,772 |
Net loans and leases to deposits | 72.2887% | 4,027 |
Net loans and leases to core deposits | 84.2422% | 3,136 |
Total domestic deposits to total assets | 86.3521% | 3,308 |
Equity capital to assets | 9.7792% | 4,058 |
Core capital (leverage) ratio | 9.5489% | 3,727 |
Tier 1 risk-based capital ratio | 11.6830% | 5,951 |
Total risk-based capital ratio | 12.8976% | 5,973 |
Memoranda: | ||
Average total assets | $49,440,000 | 6,546 |
Average earning assets | $45,768,000 | 6,494 |
Average equity | $5,072,500 | 6,530 |
Average total loans | $32,470,000 | 6,212 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7225% | 227 |
Cost of funding earning assets | 2.2637% | 242 |
Net interest margin | 4.4589% | 1,325 |
Noninterest income to average assets | 0.5742% | 3,635 |
Noninterest expense to average assets | 2.1853% | 6,654 |
Loan and lease loss provision to assets | 0.2524% | 4,776 |
Net operating income to assets | 2.1538% | 213 |
Return on assets (ROA) | 2.1538% | 224 |
Pretax return on assets | 2.2463% | 286 |
Return on Equity (ROE) | 21.9733% | 165 |
Retained earnings to average equity (ytd only) | 21.4368% | 43 |
Net charge-offs to loans | 0.6485% | 3,072 |
Credit loss provision to net charge-offs | 56.8720% | 6,138 |
Earnings coverage of net charge-offs (x) | 5.6303% | 2,576 |
Efficiency ratio | 46.6547% | 7,330 |
Assets per employee ($millions) | 4.3364% | 3,137 |
Cash dividends to net income (ytd only)* | 2.4414% | 3,918 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4309% | 4,370 |
Loan loss allowance to noncurrent loans | 120.4663% | 2,434 |
Noncurrent assets plus other real estate owned to assets | 0.8197% | 5,358 |
Noncurrent loans to loans | 1.1878% | 4,734 |
Net loans and leases to total assets | 67.1509% | 3,175 |
Net loans and leases to deposits | 78.8009% | 3,365 |
Net loans and leases to core deposits | 91.2330% | 2,583 |
Total domestic deposits to total assets | 85.2159% | 3,744 |
Equity capital to assets | 10.7757% | 2,878 |
Core capital (leverage) ratio | 10.1418% | 2,935 |
Tier 1 risk-based capital ratio | 12.3541% | 5,157 |
Total risk-based capital ratio | 13.5212% | 5,201 |
Memoranda: | ||
Average total assets | $47,544,800 | 6,616 |
Average earning assets | $43,822,800 | 6,586 |
Average equity | $4,660,200 | 6,770 |
Average total loans | $32,535,600 | 6,287 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7524% | 215 |
Cost of funding earning assets | 2.3138% | 261 |
Net interest margin | 4.4386% | 1,401 |
Noninterest income to average assets | 0.5697% | 3,651 |
Noninterest expense to average assets | 2.3239% | 6,252 |
Loan and lease loss provision to assets | 0.2526% | 4,566 |
Net operating income to assets | 1.9787% | 348 |
Return on assets (ROA) | 1.9787% | 376 |
Pretax return on assets | 2.0797% | 527 |
Return on Equity (ROE) | 20.7033% | 274 |
Retained earnings to average equity (ytd only) | 19.9689% | 84 |
Net charge-offs to loans | 0.7989% | 2,447 |
Credit loss provision to net charge-offs | 46.1538% | 5,942 |
Earnings coverage of net charge-offs (x) | 4.2616% | 3,131 |
Efficiency ratio | 49.9096% | 7,162 |
Assets per employee ($millions) | 4.4134% | 3,055 |
Cash dividends to net income (ytd only)* | 3.5458% | 3,466 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3572% | 4,685 |
Loan loss allowance to noncurrent loans | 107.6372% | 2,606 |
Noncurrent assets plus other real estate owned to assets | 0.8734% | 5,350 |
Noncurrent loans to loans | 1.2609% | 4,746 |
Net loans and leases to total assets | 67.5181% | 3,329 |
Net loans and leases to deposits | 78.8786% | 3,652 |
Net loans and leases to core deposits | 94.1004% | 2,515 |
Total domestic deposits to total assets | 85.5975% | 3,295 |
Equity capital to assets | 10.2725% | 3,800 |
Core capital (leverage) ratio | 9.5200% | 3,876 |
Tier 1 risk-based capital ratio | 11.4411% | 5,983 |
Total risk-based capital ratio | 12.5621% | 6,086 |
Memoranda: | ||
Average total assets | $47,506,000 | 6,701 |
Average earning assets | $43,736,750 | 6,670 |
Average equity | $4,540,250 | 6,893 |
Average total loans | $32,545,500 | 6,365 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7819% | 212 |
Cost of funding earning assets | 2.3327% | 309 |
Net interest margin | 4.4492% | 1,320 |
Noninterest income to average assets | 0.5640% | 3,595 |
Noninterest expense to average assets | 2.2859% | 6,392 |
Loan and lease loss provision to assets | 0.2545% | 4,387 |
Net operating income to assets | 2.0229% | 319 |
Return on assets (ROA) | 2.0229% | 348 |
Pretax return on assets | 2.1247% | 471 |
Return on Equity (ROE) | 21.7246% | 223 |
Retained earnings to average equity (ytd only) | 20.5860% | 80 |
Net charge-offs to loans | 0.0681% | 5,462 |
Credit loss provision to net charge-offs | 545.4545% | 676 |
Earnings coverage of net charge-offs (x) | 51.0000% | 583 |
Efficiency ratio | 49.0000% | 7,288 |
Assets per employee ($millions) | 4.3374% | 3,152 |
Cash dividends to net income (ytd only)* | 5.2411% | 3,248 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7936% | 2,735 |
Loan loss allowance to noncurrent loans | 90.1639% | 3,021 |
Noncurrent assets plus other real estate owned to assets | 1.4169% | 4,350 |
Noncurrent loans to loans | 1.9893% | 3,730 |
Net loans and leases to total assets | 69.4305% | 3,033 |
Net loans and leases to deposits | 80.7616% | 3,472 |
Net loans and leases to core deposits | 97.3550% | 2,293 |
Total domestic deposits to total assets | 85.9697% | 3,111 |
Equity capital to assets | 9.8091% | 4,251 |
Core capital (leverage) ratio | 9.3641% | 4,020 |
Tier 1 risk-based capital ratio | 11.0774% | 6,154 |
Total risk-based capital ratio | 12.3307% | 6,139 |
Memoranda: | ||
Average total assets | $47,159,000 | 6,758 |
Average earning assets | $43,468,330 | 6,718 |
Average equity | $4,391,330 | 6,981 |
Average total loans | $32,317,670 | 6,420 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8012% | 221 |
Cost of funding earning assets | 2.3879% | 316 |
Net interest margin | 4.4134% | 1,359 |
Noninterest income to average assets | 0.4693% | 4,298 |
Noninterest expense to average assets | 2.3036% | 6,367 |
Loan and lease loss provision to assets | 0.2560% | 3,994 |
Net operating income to assets | 1.8599% | 436 |
Return on assets (ROA) | 1.8599% | 480 |
Pretax return on assets | 1.9623% | 652 |
Return on Equity (ROE) | 20.5321% | 352 |
Retained earnings to average equity (ytd only) | 18.1775% | 238 |
Net charge-offs to loans | 0.1012% | 4,405 |
Credit loss provision to net charge-offs | 375.0000% | 1,071 |
Earnings coverage of net charge-offs (x) | 32.5000% | 824 |
Efficiency ratio | 50.9434% | 7,248 |
Assets per employee ($millions) | 4.2575% | 3,365 |
Cash dividends to net income (ytd only)* | 11.4679% | 2,389 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8170% | 2,679 |
Loan loss allowance to noncurrent loans | 111.1538% | 2,484 |
Noncurrent assets plus other real estate owned to assets | 1.1210% | 4,916 |
Noncurrent loans to loans | 1.6347% | 4,298 |
Net loans and leases to total assets | 66.6916% | 3,699 |
Net loans and leases to deposits | 76.6191% | 4,297 |
Net loans and leases to core deposits | 90.3497% | 3,319 |
Total domestic deposits to total assets | 87.0430% | 2,608 |
Equity capital to assets | 9.2928% | 4,843 |
Core capital (leverage) ratio | 8.8820% | 4,754 |
Tier 1 risk-based capital ratio | 10.7902% | 6,354 |
Total risk-based capital ratio | 12.0430% | 6,331 |
Memoranda: | ||
Average total assets | $46,883,000 | 6,844 |
Average earning assets | $43,051,000 | 6,820 |
Average equity | $4,247,000 | 7,100 |
Average total loans | $31,611,000 | 6,538 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.2140% | 204 |
Cost of funding earning assets | 2.7579% | 502 |
Net interest margin | 4.4561% | 1,280 |
Noninterest income to average assets | 0.5512% | 4,015 |
Noninterest expense to average assets | 2.1940% | 7,009 |
Loan and lease loss provision to assets | 0.2584% | 5,331 |
Net operating income to assets | 2.1165% | 176 |
Return on assets (ROA) | 2.1165% | 189 |
Pretax return on assets | 2.2004% | 273 |
Return on Equity (ROE) | 23.5811% | 117 |
Retained earnings to average equity (ytd only) | -3.2865% | 5,751 |
Net charge-offs to loans | 0.2126% | 5,293 |
Credit loss provision to net charge-offs | 176.4706% | 2,374 |
Earnings coverage of net charge-offs (x) | 16.7941% | 1,229 |
Efficiency ratio | 47.1541% | 7,658 |
Assets per employee ($millions) | 4.2667% | 3,320 |
Cash dividends to net income (ytd only)* | 113.9369% | 462 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7701% | 2,639 |
Loan loss allowance to noncurrent loans | 113.2383% | 2,470 |
Noncurrent assets plus other real estate owned to assets | 1.0568% | 4,985 |
Noncurrent loans to loans | 1.5631% | 4,306 |
Net loans and leases to total assets | 65.7413% | 4,220 |
Net loans and leases to deposits | 75.0347% | 4,868 |
Net loans and leases to core deposits | 88.6281% | 5,264 |
Total domestic deposits to total assets | 87.6145% | 2,163 |
Equity capital to assets | 8.8252% | 5,390 |
Core capital (leverage) ratio | 8.3463% | 5,541 |
Tier 1 risk-based capital ratio | 10.2942% | 6,594 |
Total risk-based capital ratio | 11.5458% | 6,560 |
Memoranda: | ||
Average total assets | $46,445,200 | 6,852 |
Average earning assets | $42,750,000 | 6,826 |
Average equity | $4,168,600 | 7,225 |
Average total loans | $31,980,000 | 6,520 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3372% | 181 |
Cost of funding earning assets | 2.8206% | 571 |
Net interest margin | 4.5167% | 1,155 |
Noninterest income to average assets | 0.5411% | 4,148 |
Noninterest expense to average assets | 2.3314% | 6,621 |
Loan and lease loss provision to assets | 0.2591% | 4,884 |
Net operating income to assets | 2.0263% | 275 |
Return on assets (ROA) | 2.0263% | 298 |
Pretax return on assets | 2.1126% | 429 |
Return on Equity (ROE) | 22.4810% | 186 |
Retained earnings to average equity (ytd only) | -3.3849% | 6,005 |
Net charge-offs to loans | 0.2905% | 4,216 |
Credit loss provision to net charge-offs | 128.5714% | 3,898 |
Earnings coverage of net charge-offs (x) | 11.7716% | 1,829 |
Efficiency ratio | 49.5716% | 7,582 |
Assets per employee ($millions) | 4.1855% | 3,401 |
Cash dividends to net income (ytd only)* | 115.0569% | 442 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6177% | 2,928 |
Loan loss allowance to noncurrent loans | 152.3256% | 1,875 |
Noncurrent assets plus other real estate owned to assets | 0.7580% | 5,612 |
Noncurrent loans to loans | 1.0620% | 5,192 |
Net loans and leases to total assets | 69.2144% | 3,672 |
Net loans and leases to deposits | 79.5105% | 4,479 |
Net loans and leases to core deposits | 95.0034% | 4,927 |
Total domestic deposits to total assets | 87.0507% | 2,156 |
Equity capital to assets | 9.1614% | 5,237 |
Core capital (leverage) ratio | 8.4815% | 5,529 |
Tier 1 risk-based capital ratio | 10.1868% | 6,793 |
Total risk-based capital ratio | 11.4389% | 6,729 |
Memoranda: | ||
Average total assets | $46,323,000 | 6,906 |
Average earning assets | $42,685,250 | 6,884 |
Average equity | $4,175,250 | 7,291 |
Average total loans | $32,122,250 | 6,563 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3113% | 201 |
Cost of funding earning assets | 2.8626% | 666 |
Net interest margin | 4.4487% | 1,295 |
Noninterest income to average assets | 0.6162% | 3,561 |
Noninterest expense to average assets | 2.3698% | 6,557 |
Loan and lease loss provision to assets | 0.2585% | 4,509 |
Net operating income to assets | 1.9950% | 300 |
Return on assets (ROA) | 1.9950% | 333 |
Pretax return on assets | 2.0725% | 465 |
Return on Equity (ROE) | 22.2543% | 224 |
Retained earnings to average equity (ytd only) | -2.4994% | 5,865 |
Net charge-offs to loans | 0.4371% | 3,058 |
Credit loss provision to net charge-offs | 85.7143% | 5,038 |
Earnings coverage of net charge-offs (x) | 7.7286% | 2,400 |
Efficiency ratio | 50.4125% | 7,640 |
Assets per employee ($millions) | 4.2146% | 3,266 |
Cash dividends to net income (ytd only)* | 111.2311% | 589 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5074% | 3,147 |
Loan loss allowance to noncurrent loans | 125.3807% | 2,353 |
Noncurrent assets plus other real estate owned to assets | 0.8606% | 5,263 |
Noncurrent loans to loans | 1.2022% | 4,810 |
Net loans and leases to total assets | 69.6232% | 3,786 |
Net loans and leases to deposits | 80.7920% | 4,422 |
Net loans and leases to core deposits | 97.0067% | 4,787 |
Total domestic deposits to total assets | 86.1759% | 2,688 |
Equity capital to assets | 8.9342% | 5,409 |
Core capital (leverage) ratio | 8.6636% | 5,157 |
Tier 1 risk-based capital ratio | 10.8239% | 6,053 |
Total risk-based capital ratio | 12.0746% | 5,990 |
Memoranda: | ||
Average total assets | $46,417,000 | 6,965 |
Average earning assets | $42,619,000 | 6,942 |
Average equity | $4,161,000 | 7,355 |
Average total loans | $32,032,670 | 6,610 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3310% | 213 |
Cost of funding earning assets | 2.9720% | 645 |
Net interest margin | 4.3590% | 1,445 |
Noninterest income to average assets | 0.5943% | 3,588 |
Noninterest expense to average assets | 2.2306% | 6,756 |
Loan and lease loss provision to assets | 0.2584% | 3,900 |
Net operating income to assets | 1.9808% | 362 |
Return on assets (ROA) | 1.9808% | 414 |
Pretax return on assets | 2.0842% | 555 |
Return on Equity (ROE) | 22.0597% | 305 |
Retained earnings to average equity (ytd only) | 2.8774% | 4,268 |
Net charge-offs to loans | -0.0126% | 7,328 |
Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.7759% | 7,683 |
Assets per employee ($millions) | 4.1834% | 3,286 |
Cash dividends to net income (ytd only)* | 86.9565% | 930 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6746% | 2,225 |
Loan loss allowance to noncurrent loans | 208.9844% | 1,591 |
Noncurrent assets plus other real estate owned to assets | 0.5672% | 5,771 |
Noncurrent loans to loans | 0.8013% | 5,432 |
Net loans and leases to total assets | 68.2639% | 4,072 |
Net loans and leases to deposits | 79.3839% | 4,708 |
Net loans and leases to core deposits | 94.2824% | 5,130 |
Total domestic deposits to total assets | 85.9921% | 2,733 |
Equity capital to assets | 9.1597% | 5,135 |
Core capital (leverage) ratio | 8.7989% | 4,992 |
Tier 1 risk-based capital ratio | 10.6253% | 6,264 |
Total risk-based capital ratio | 11.8760% | 6,189 |
Memoranda: | ||
Average total assets | $46,445,000 | 7,014 |
Average earning assets | $42,395,500 | 7,002 |
Average equity | $4,170,500 | 7,392 |
Average total loans | $31,663,000 | 6,670 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.7783% | 254 |
Cost of funding earning assets | 3.2872% | 960 |
Net interest margin | 4.4911% | 1,449 |
Noninterest income to average assets | 0.7698% | 2,672 |
Noninterest expense to average assets | 2.1814% | 7,013 |
Loan and lease loss provision to assets | 0.2647% | 4,279 |
Net operating income to assets | 2.4061% | 155 |
Return on assets (ROA) | 1.9234% | 400 |
Pretax return on assets | 2.0006% | 603 |
Return on Equity (ROE) | 22.0224% | 257 |
Retained earnings to average equity (ytd only) | 3.0811% | 3,247 |
Net charge-offs to loans | 0.8467% | 1,486 |
Credit loss provision to net charge-offs | 45.6274% | 6,395 |
Earnings coverage of net charge-offs (x) | 4.7719% | 3,868 |
Efficiency ratio | 44.0731% | 8,010 |
Assets per employee ($millions) | 4.2612% | 3,017 |
Cash dividends to net income (ytd only)* | 86.0092% | 1,449 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6062% | 2,218 |
Loan loss allowance to noncurrent loans | 442.1053% | 956 |
Noncurrent assets plus other real estate owned to assets | 0.2539% | 6,561 |
Noncurrent loans to loans | 0.3633% | 6,275 |
Net loans and leases to total assets | 65.8673% | 4,874 |
Net loans and leases to deposits | 76.9848% | 5,474 |
Net loans and leases to core deposits | 92.6646% | 5,570 |
Total domestic deposits to total assets | 85.5589% | 2,601 |
Equity capital to assets | 8.8025% | 5,649 |
Core capital (leverage) ratio | 8.7903% | 5,057 |
Tier 1 risk-based capital ratio | 10.5420% | 6,165 |
Total risk-based capital ratio | 11.7920% | 6,063 |
Memoranda: | ||
Average total assets | $45,337,200 | 6,970 |
Average earning assets | $42,194,200 | 6,941 |
Average equity | $3,959,600 | 7,527 |
Average total loans | $31,061,200 | 6,648 |