Home > Quarry City Savings and Loan Association > Performance and Condition Ratios
Quarry City Savings and Loan Association, Performance and Condition Ratios
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 | 3.0471% | 3,437 |
Cost of funding earning assets | 0.4047% | 890 |
Net interest margin | 2.6423% | 3,830 |
Noninterest income to average assets | 1.1081% | 546 |
Noninterest expense to average assets | 4.1220% | 262 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | -0.3975% | 4,670 |
Return on assets (ROA) | -0.3975% | 4,647 |
Pretax return on assets | -0.5255% | 4,657 |
Return on Equity (ROE) | -3.0724% | 4,646 |
Retained earnings to average equity (ytd only) | -3.0724% | 4,457 |
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 | 114.6101% | 95 |
Assets per employee ($millions) | 4.6686% | 3,958 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9707% | 3,723 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 64.4649% | 1,854 |
Net loans and leases to deposits | 74.4991% | 1,806 |
Net loans and leases to core deposits | 76.2449% | 1,991 |
Total domestic deposits to total assets | 86.5311% | 3,100 |
Equity capital to assets | 12.6242% | 737 |
Core capital (leverage) ratio | 12.6519% | 926 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.1224% | 525 |
Memoranda: | ||
Average total assets | $73,460,000 | 4,278 |
Average earning assets | $69,181,333 | 4,256 |
Average equity | $9,504,000 | 4,048 |
Average total loans | $47,065,333 | 4,012 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8823% | 3,575 |
Cost of funding earning assets | 0.4084% | 829 |
Net interest margin | 2.4739% | 3,949 |
Noninterest income to average assets | 1.0873% | 572 |
Noninterest expense to average assets | 3.9044% | 300 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | -0.3899% | 4,685 |
Return on assets (ROA) | -0.3899% | 4,670 |
Pretax return on assets | -0.4887% | 4,679 |
Return on Equity (ROE) | -2.9766% | 4,660 |
Retained earnings to average equity (ytd only) | -2.9766% | 4,310 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 114.3087% | 104 |
Assets per employee ($millions) | 4.1312% | 4,342 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0052% | 3,707 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 62.5140% | 1,793 |
Net loans and leases to deposits | 72.3135% | 1,756 |
Net loans and leases to core deposits | 74.6140% | 1,889 |
Total domestic deposits to total assets | 86.4485% | 3,121 |
Equity capital to assets | 12.7836% | 743 |
Core capital (leverage) ratio | 13.0737% | 761 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.4904% | 461 |
Memoranda: | ||
Average total assets | $72,841,000 | 4,308 |
Average earning assets | $68,556,500 | 4,282 |
Average equity | $9,541,000 | 4,108 |
Average total loans | $46,285,000 | 4,034 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3426% | 3,076 |
Cost of funding earning assets | 0.5889% | 577 |
Net interest margin | 2.7537% | 3,769 |
Noninterest income to average assets | 1.5744% | 458 |
Noninterest expense to average assets | 3.9453% | 301 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 0.1726% | 4,560 |
Return on assets (ROA) | 0.1726% | 4,574 |
Pretax return on assets | 0.2023% | 4,574 |
Return on Equity (ROE) | 1.2773% | 4,580 |
Retained earnings to average equity (ytd only) | 1.2773% | 4,180 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 95.1228% | 208 |
Assets per employee ($millions) | 4.1954% | 4,326 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0348% | 3,614 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 63.2913% | 1,787 |
Net loans and leases to deposits | 73.8487% | 1,733 |
Net loans and leases to core deposits | 76.7074% | 1,858 |
Total domestic deposits to total assets | 85.7041% | 3,014 |
Equity capital to assets | 13.4266% | 787 |
Core capital (leverage) ratio | 13.2898% | 730 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.5537% | 462 |
Memoranda: | ||
Average total assets | $70,691,600 | 4,334 |
Average earning assets | $66,056,000 | 4,312 |
Average equity | $9,551,200 | 4,187 |
Average total loans | $47,375,200 | 4,051 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4178% | 3,054 |
Cost of funding earning assets | 0.6321% | 535 |
Net interest margin | 2.7857% | 3,812 |
Noninterest income to average assets | 1.5009% | 550 |
Noninterest expense to average assets | 3.7655% | 351 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 0.2703% | 4,559 |
Return on assets (ROA) | 0.2703% | 4,581 |
Pretax return on assets | 0.3346% | 4,563 |
Return on Equity (ROE) | 1.9975% | 4,591 |
Retained earnings to average equity (ytd only) | 1.9975% | 4,184 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.8396% | 276 |
Assets per employee ($millions) | 4.5514% | 4,089 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9703% | 3,938 |
Loan loss allowance to noncurrent loans | 944.0000% | 824 |
Noncurrent assets plus other real estate owned to assets | 0.0687% | 3,644 |
Noncurrent loans to loans | 0.1028% | 3,572 |
Net loans and leases to total assets | 66.1503% | 1,528 |
Net loans and leases to deposits | 76.9324% | 1,581 |
Net loans and leases to core deposits | 79.8316% | 1,751 |
Total domestic deposits to total assets | 85.9850% | 2,750 |
Equity capital to assets | 13.1801% | 934 |
Core capital (leverage) ratio | 13.3052% | 772 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.1411% | 593 |
Memoranda: | ||
Average total assets | $70,534,250 | 4,392 |
Average earning assets | $65,810,500 | 4,371 |
Average equity | $9,545,000 | 4,243 |
Average total loans | $47,816,000 | 4,098 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2464% | 3,574 |
Cost of funding earning assets | 0.6856% | 498 |
Net interest margin | 2.5608% | 4,233 |
Noninterest income to average assets | 1.6339% | 463 |
Noninterest expense to average assets | 3.6949% | 369 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.2637% | 4,567 |
Return on assets (ROA) | 0.2637% | 4,583 |
Pretax return on assets | 0.3268% | 4,564 |
Return on Equity (ROE) | 1.9313% | 4,602 |
Retained earnings to average equity (ytd only) | 1.9313% | 4,128 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.8746% | 297 |
Assets per employee ($millions) | 4.0234% | 4,432 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0594% | 3,590 |
Loan loss allowance to noncurrent loans | 61.8611% | 3,817 |
Noncurrent assets plus other real estate owned to assets | 1.0535% | 712 |
Noncurrent loans to loans | 1.7126% | 615 |
Net loans and leases to total assets | 60.8655% | 2,322 |
Net loans and leases to deposits | 70.8363% | 2,325 |
Net loans and leases to core deposits | 74.9634% | 2,333 |
Total domestic deposits to total assets | 85.9242% | 2,767 |
Equity capital to assets | 13.1825% | 894 |
Core capital (leverage) ratio | 13.4818% | 715 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.3200% | 587 |
Memoranda: | ||
Average total assets | $69,771,667 | 4,429 |
Average earning assets | $65,056,667 | 4,406 |
Average equity | $9,527,333 | 4,257 |
Average total loans | $47,540,000 | 4,124 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3962% | 3,206 |
Cost of funding earning assets | 0.7282% | 494 |
Net interest margin | 2.6680% | 4,028 |
Noninterest income to average assets | 2.2324% | 313 |
Noninterest expense to average assets | 3.7226% | 358 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.7363% | 3,611 |
Return on assets (ROA) | 0.7363% | 3,681 |
Pretax return on assets | 0.9935% | 3,389 |
Return on Equity (ROE) | 5.2955% | 4,028 |
Retained earnings to average equity (ytd only) | 5.2955% | 3,127 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.9343% | 898 |
Assets per employee ($millions) | 4.0970% | 4,420 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0143% | 3,786 |
Loan loss allowance to noncurrent loans | 57.1429% | 3,883 |
Noncurrent assets plus other real estate owned to assets | 1.1859% | 632 |
Noncurrent loans to loans | 1.7751% | 660 |
Net loans and leases to total assets | 66.1330% | 1,787 |
Net loans and leases to deposits | 77.8294% | 1,737 |
Net loans and leases to core deposits | 82.5969% | 1,793 |
Total domestic deposits to total assets | 84.9718% | 3,106 |
Equity capital to assets | 13.7561% | 728 |
Core capital (leverage) ratio | 14.0200% | 650 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.0858% | 577 |
Memoranda: | ||
Average total assets | $68,446,500 | 4,460 |
Average earning assets | $63,718,000 | 4,438 |
Average equity | $9,517,500 | 4,271 |
Average total loans | $49,034,000 | 4,120 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0683% | 2,517 |
Cost of funding earning assets | 0.9121% | 826 |
Net interest margin | 3.1562% | 3,479 |
Noninterest income to average assets | 1.5996% | 484 |
Noninterest expense to average assets | 3.7824% | 468 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 0.5752% | 3,829 |
Return on assets (ROA) | 0.5752% | 3,936 |
Pretax return on assets | 0.7281% | 3,819 |
Return on Equity (ROE) | 3.8891% | 4,187 |
Retained earnings to average equity (ytd only) | 3.8891% | 2,880 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.8573% | 646 |
Assets per employee ($millions) | 4.2028% | 4,208 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9159% | 4,144 |
Loan loss allowance to noncurrent loans | 56.5269% | 3,928 |
Noncurrent assets plus other real estate owned to assets | 1.2417% | 681 |
Noncurrent loans to loans | 1.6203% | 812 |
Net loans and leases to total assets | 75.9369% | 794 |
Net loans and leases to deposits | 89.3819% | 972 |
Net loans and leases to core deposits | 95.6129% | 1,147 |
Total domestic deposits to total assets | 84.9578% | 2,776 |
Equity capital to assets | 14.0592% | 779 |
Core capital (leverage) ratio | 14.2866% | 636 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.4327% | 727 |
Memoranda: | ||
Average total assets | $62,763,800 | 4,473 |
Average earning assets | $57,886,200 | 4,470 |
Average equity | $9,282,400 | 4,273 |
Average total loans | $47,841,600 | 4,146 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1440% | 2,539 |
Cost of funding earning assets | 0.9402% | 932 |
Net interest margin | 3.2038% | 3,485 |
Noninterest income to average assets | 1.5941% | 466 |
Noninterest expense to average assets | 3.6618% | 571 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 0.6619% | 3,589 |
Return on assets (ROA) | 0.6619% | 3,689 |
Pretax return on assets | 0.8803% | 3,433 |
Return on Equity (ROE) | 4.4157% | 4,056 |
Retained earnings to average equity (ytd only) | 4.4157% | 2,843 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.6190% | 831 |
Assets per employee ($millions) | 4.0808% | 4,260 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9531% | 3,875 |
Loan loss allowance to noncurrent loans | 55.9905% | 3,944 |
Noncurrent assets plus other real estate owned to assets | 1.2911% | 737 |
Noncurrent loans to loans | 1.7023% | 804 |
Net loans and leases to total assets | 75.1225% | 1,224 |
Net loans and leases to deposits | 88.8102% | 1,394 |
Net loans and leases to core deposits | 93.8432% | 1,653 |
Total domestic deposits to total assets | 84.5877% | 2,599 |
Equity capital to assets | 14.3953% | 761 |
Core capital (leverage) ratio | 14.7795% | 579 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 21.1543% | 661 |
Memoranda: | ||
Average total assets | $61,643,750 | 4,507 |
Average earning assets | $56,723,000 | 4,504 |
Average equity | $9,239,500 | 4,300 |
Average total loans | $46,918,250 | 4,187 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2553% | 2,595 |
Cost of funding earning assets | 0.9665% | 1,085 |
Net interest margin | 3.2888% | 3,412 |
Noninterest income to average assets | 1.5688% | 420 |
Noninterest expense to average assets | 3.7069% | 570 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.6785% | 3,470 |
Return on assets (ROA) | 0.6785% | 3,577 |
Pretax return on assets | 0.8804% | 3,369 |
Return on Equity (ROE) | 4.4632% | 3,986 |
Retained earnings to average equity (ytd only) | 4.4632% | 2,724 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.8081% | 832 |
Assets per employee ($millions) | 3.9011% | 4,393 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9882% | 3,633 |
Loan loss allowance to noncurrent loans | 55.1402% | 3,981 |
Noncurrent assets plus other real estate owned to assets | 1.3714% | 728 |
Noncurrent loans to loans | 1.7921% | 785 |
Net loans and leases to total assets | 75.7698% | 1,169 |
Net loans and leases to deposits | 89.8476% | 1,367 |
Net loans and leases to core deposits | 95.1839% | 1,645 |
Total domestic deposits to total assets | 84.3314% | 2,621 |
Equity capital to assets | 14.8963% | 634 |
Core capital (leverage) ratio | 15.1054% | 556 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 21.5893% | 618 |
Memoranda: | ||
Average total assets | $60,427,667 | 4,535 |
Average earning assets | $55,460,667 | 4,536 |
Average equity | $9,186,333 | 4,321 |
Average total loans | $46,050,667 | 4,216 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4147% | 2,564 |
Cost of funding earning assets | 0.9843% | 1,488 |
Net interest margin | 3.4304% | 3,210 |
Noninterest income to average assets | 1.3124% | 518 |
Noninterest expense to average assets | 3.8094% | 615 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.5048% | 3,878 |
Return on assets (ROA) | 0.5048% | 3,938 |
Pretax return on assets | 0.6461% | 3,819 |
Return on Equity (ROE) | 3.2857% | 4,148 |
Retained earnings to average equity (ytd only) | 3.2857% | 2,962 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.4985% | 733 |
Assets per employee ($millions) | 3.7438% | 4,232 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0407% | 3,487 |
Loan loss allowance to noncurrent loans | 54.1284% | 4,015 |
Noncurrent assets plus other real estate owned to assets | 1.4557% | 752 |
Noncurrent loans to loans | 1.9226% | 758 |
Net loans and leases to total assets | 74.9286% | 1,469 |
Net loans and leases to deposits | 89.3336% | 1,593 |
Net loans and leases to core deposits | 94.8881% | 1,893 |
Total domestic deposits to total assets | 83.8751% | 2,828 |
Equity capital to assets | 15.3053% | 709 |
Core capital (leverage) ratio | 15.2206% | 646 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 21.1971% | 723 |
Memoranda: | ||
Average total assets | $59,432,500 | 4,563 |
Average earning assets | $54,454,500 | 4,568 |
Average equity | $9,130,500 | 4,353 |
Average total loans | $45,193,000 | 4,246 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7494% | 2,193 |
Cost of funding earning assets | 0.8688% | 2,340 |
Net interest margin | 3.8806% | 2,237 |
Noninterest income to average assets | 1.4807% | 422 |
Noninterest expense to average assets | 4.3294% | 362 |
Loan and lease loss provision to assets | 0.0627% | 2,783 |
Net operating income to assets | 0.5121% | 4,381 |
Return on assets (ROA) | 0.5121% | 4,436 |
Pretax return on assets | 0.6553% | 4,315 |
Return on Equity (ROE) | 3.2077% | 4,627 |
Retained earnings to average equity (ytd only) | 3.2077% | 3,415 |
Net charge-offs to loans | 0.0000% | 3,726 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.7751% | 552 |
Assets per employee ($millions) | 3.6853% | 4,279 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0482% | 3,226 |
Loan loss allowance to noncurrent loans | 53.2731% | 4,042 |
Noncurrent assets plus other real estate owned to assets | 1.5026% | 672 |
Noncurrent loans to loans | 1.9675% | 656 |
Net loans and leases to total assets | 75.5698% | 1,487 |
Net loans and leases to deposits | 90.0928% | 1,579 |
Net loans and leases to core deposits | 93.3622% | 2,122 |
Total domestic deposits to total assets | 83.8800% | 2,886 |
Equity capital to assets | 15.4213% | 702 |
Core capital (leverage) ratio | 15.4946% | 591 |
Tier 1 risk-based capital ratio | 20.6875% | 1,221 |
Total risk-based capital ratio | 21.7614% | 1,218 |
Memoranda: | ||
Average total assets | $55,850,200 | 4,652 |
Average earning assets | $51,332,400 | 4,648 |
Average equity | $8,916,000 | 4,385 |
Average total loans | $44,331,200 | 4,299 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7633% | 2,239 |
Cost of funding earning assets | 0.8457% | 2,485 |
Net interest margin | 3.9176% | 2,197 |
Noninterest income to average assets | 1.4381% | 441 |
Noninterest expense to average assets | 4.3118% | 358 |
Loan and lease loss provision to assets | 0.0847% | 2,213 |
Net operating income to assets | 0.5011% | 4,511 |
Return on assets (ROA) | 0.5011% | 4,561 |
Pretax return on assets | 0.6416% | 4,463 |
Return on Equity (ROE) | 3.1109% | 4,749 |
Retained earnings to average equity (ytd only) | 3.1109% | 3,848 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.5839% | 524 |
Assets per employee ($millions) | 3.5844% | 4,412 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9916% | 3,613 |
Loan loss allowance to noncurrent loans | 55.1402% | 4,093 |
Noncurrent assets plus other real estate owned to assets | 1.4926% | 750 |
Noncurrent loans to loans | 1.7983% | 794 |
Net loans and leases to total assets | 82.1764% | 545 |
Net loans and leases to deposits | 98.3966% | 776 |
Net loans and leases to core deposits | 102.0771% | 1,495 |
Total domestic deposits to total assets | 83.5155% | 2,989 |
Equity capital to assets | 15.7155% | 696 |
Core capital (leverage) ratio | 16.0866% | 546 |
Tier 1 risk-based capital ratio | 19.8319% | 1,393 |
Total risk-based capital ratio | 20.8705% | 1,403 |
Memoranda: | ||
Average total assets | $55,071,750 | 4,733 |
Average earning assets | $50,608,250 | 4,734 |
Average equity | $8,871,750 | 4,439 |
Average total loans | $44,156,250 | 4,355 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6804% | 2,424 |
Cost of funding earning assets | 0.8248% | 2,524 |
Net interest margin | 3.8556% | 2,388 |
Noninterest income to average assets | 1.1857% | 610 |
Noninterest expense to average assets | 4.3637% | 345 |
Loan and lease loss provision to assets | 0.1289% | 1,448 |
Net operating income to assets | 0.2025% | 4,993 |
Return on assets (ROA) | 0.2025% | 5,001 |
Pretax return on assets | 0.2394% | 4,991 |
Return on Equity (ROE) | 1.2465% | 5,024 |
Retained earnings to average equity (ytd only) | 1.2465% | 4,366 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.2179% | 275 |
Assets per employee ($millions) | 3.4423% | 4,565 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0453% | 3,364 |
Loan loss allowance to noncurrent loans | 54.3779% | 4,108 |
Noncurrent assets plus other real estate owned to assets | 1.5760% | 693 |
Noncurrent loans to loans | 1.9223% | 759 |
Net loans and leases to total assets | 81.1282% | 711 |
Net loans and leases to deposits | 97.2935% | 905 |
Net loans and leases to core deposits | 100.3594% | 1,690 |
Total domestic deposits to total assets | 83.3851% | 3,080 |
Equity capital to assets | 16.0884% | 604 |
Core capital (leverage) ratio | 16.2334% | 521 |
Tier 1 risk-based capital ratio | 20.3090% | 1,290 |
Total risk-based capital ratio | 21.3908% | 1,292 |
Memoranda: | ||
Average total assets | $54,312,000 | 4,781 |
Average earning assets | $49,952,670 | 4,775 |
Average equity | $8,824,670 | 4,464 |
Average total loans | $43,008,000 | 4,419 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5913% | 2,559 |
Cost of funding earning assets | 0.7880% | 2,604 |
Net interest margin | 3.8033% | 2,512 |
Noninterest income to average assets | 0.8530% | 1,165 |
Noninterest expense to average assets | 4.3835% | 342 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.0074% | 5,144 |
Return on assets (ROA) | 0.0074% | 5,147 |
Pretax return on assets | -0.0223% | 5,152 |
Return on Equity (ROE) | 0.0454% | 5,147 |
Retained earnings to average equity (ytd only) | 0.0454% | 4,520 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 100.5102% | 165 |
Assets per employee ($millions) | 3.5683% | 4,498 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0422% | 3,446 |
Loan loss allowance to noncurrent loans | 47.3456% | 4,310 |
Noncurrent assets plus other real estate owned to assets | 1.7245% | 634 |
Noncurrent loans to loans | 2.2012% | 646 |
Net loans and leases to total assets | 77.5260% | 1,233 |
Net loans and leases to deposits | 93.2430% | 1,251 |
Net loans and leases to core deposits | 96.2672% | 1,909 |
Total domestic deposits to total assets | 83.1440% | 3,334 |
Equity capital to assets | 16.4543% | 507 |
Core capital (leverage) ratio | 16.3571% | 487 |
Tier 1 risk-based capital ratio | 22.7354% | 966 |
Total risk-based capital ratio | 23.8635% | 955 |
Memoranda: | ||
Average total assets | $53,929,500 | 4,842 |
Average earning assets | $49,746,500 | 4,831 |
Average equity | $8,806,500 | 4,497 |
Average total loans | $41,934,500 | 4,493 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4732% | 2,537 |
Cost of funding earning assets | 0.6563% | 2,346 |
Net interest margin | 3.8169% | 2,607 |
Noninterest income to average assets | 0.9269% | 1,112 |
Noninterest expense to average assets | 4.0792% | 481 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 0.3622% | 4,919 |
Return on assets (ROA) | 0.3622% | 4,914 |
Pretax return on assets | 0.4774% | 4,834 |
Return on Equity (ROE) | 2.2262% | 5,013 |
Retained earnings to average equity (ytd only) | 2.2262% | 4,267 |
Net charge-offs to loans | 0.0000% | 3,782 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.5230% | 367 |
Assets per employee ($millions) | 3.3959% | 4,661 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0420% | 3,437 |
Loan loss allowance to noncurrent loans | 46.5885% | 4,372 |
Noncurrent assets plus other real estate owned to assets | 1.7263% | 618 |
Noncurrent loans to loans | 2.2367% | 578 |
Net loans and leases to total assets | 76.3780% | 1,543 |
Net loans and leases to deposits | 91.7553% | 1,580 |
Net loans and leases to core deposits | 94.0212% | 2,225 |
Total domestic deposits to total assets | 83.2410% | 3,250 |
Equity capital to assets | 16.2069% | 505 |
Core capital (leverage) ratio | 16.0450% | 506 |
Tier 1 risk-based capital ratio | 23.2661% | 887 |
Total risk-based capital ratio | 24.4207% | 873 |
Memoranda: | ||
Average total assets | $53,833,600 | 4,874 |
Average earning assets | $51,193,400 | 4,833 |
Average equity | $8,759,200 | 4,490 |
Average total loans | $43,165,600 | 4,470 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4703% | 2,397 |
Cost of funding earning assets | 0.6286% | 2,282 |
Net interest margin | 3.8417% | 2,492 |
Noninterest income to average assets | 0.9036% | 1,188 |
Noninterest expense to average assets | 3.6145% | 838 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.7100% | 4,193 |
Return on assets (ROA) | 0.7100% | 4,202 |
Pretax return on assets | 0.9607% | 3,850 |
Return on Equity (ROE) | 4.3592% | 4,730 |
Retained earnings to average equity (ytd only) | 4.3592% | 3,577 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0016% | 1,029 |
Assets per employee ($millions) | 3.6596% | 4,362 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9978% | 3,784 |
Loan loss allowance to noncurrent loans | 1,248.5714% | 493 |
Noncurrent assets plus other real estate owned to assets | 0.0638% | 4,663 |
Noncurrent loans to loans | 0.0799% | 4,522 |
Net loans and leases to total assets | 78.9904% | 1,170 |
Net loans and leases to deposits | 94.7305% | 1,294 |
Net loans and leases to core deposits | 97.0327% | 2,023 |
Total domestic deposits to total assets | 83.3843% | 3,169 |
Equity capital to assets | 16.2094% | 501 |
Core capital (leverage) ratio | 16.3674% | 468 |
Tier 1 risk-based capital ratio | 22.8189% | 956 |
Total risk-based capital ratio | 23.9396% | 950 |
Memoranda: | ||
Average total assets | $53,708,250 | 4,930 |
Average earning assets | $51,329,750 | 4,883 |
Average equity | $8,747,500 | 4,534 |
Average total loans | $43,472,750 | 4,516 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4319% | 2,312 |
Cost of funding earning assets | 0.6074% | 2,180 |
Net interest margin | 3.8245% | 2,483 |
Noninterest income to average assets | 0.7240% | 1,770 |
Noninterest expense to average assets | 3.5376% | 948 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.6265% | 4,420 |
Return on assets (ROA) | 0.6265% | 4,421 |
Pretax return on assets | 0.8478% | 4,119 |
Return on Equity (ROE) | 3.8403% | 4,858 |
Retained earnings to average equity (ytd only) | 3.8403% | 3,681 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.6672% | 942 |
Assets per employee ($millions) | 3.6556% | 4,395 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9861% | 3,929 |
Loan loss allowance to noncurrent loans | 1,285.2941% | 474 |
Noncurrent assets plus other real estate owned to assets | 0.0620% | 4,710 |
Noncurrent loans to loans | 0.0767% | 4,574 |
Net loans and leases to total assets | 80.0233% | 1,014 |
Net loans and leases to deposits | 95.7305% | 1,172 |
Net loans and leases to core deposits | 98.0405% | 1,892 |
Total domestic deposits to total assets | 83.5923% | 3,221 |
Equity capital to assets | 16.0083% | 503 |
Core capital (leverage) ratio | 16.5171% | 447 |
Tier 1 risk-based capital ratio | 23.4324% | 893 |
Total risk-based capital ratio | 24.5989% | 885 |
Memoranda: | ||
Average total assets | $53,313,000 | 4,995 |
Average earning assets | $51,039,330 | 4,948 |
Average equity | $8,697,330 | 4,583 |
Average total loans | $43,364,330 | 4,560 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4168% | 2,139 |
Cost of funding earning assets | 0.5810% | 2,164 |
Net interest margin | 3.8359% | 2,277 |
Noninterest income to average assets | 0.8601% | 1,263 |
Noninterest expense to average assets | 3.5926% | 878 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.6926% | 4,125 |
Return on assets (ROA) | 0.6926% | 4,136 |
Pretax return on assets | 0.9362% | 3,740 |
Return on Equity (ROE) | 4.2047% | 4,712 |
Retained earnings to average equity (ytd only) | 4.2047% | 3,507 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.3277% | 1,217 |
Assets per employee ($millions) | 3.8319% | 4,243 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0197% | 3,843 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 79.0702% | 1,067 |
Net loans and leases to deposits | 94.7909% | 1,160 |
Net loans and leases to core deposits | 97.6901% | 1,855 |
Total domestic deposits to total assets | 83.4154% | 3,536 |
Equity capital to assets | 16.2230% | 469 |
Core capital (leverage) ratio | 16.6205% | 420 |
Tier 1 risk-based capital ratio | 24.1656% | 827 |
Total risk-based capital ratio | 25.3790% | 804 |
Memoranda: | ||
Average total assets | $52,552,500 | 5,066 |
Average earning assets | $50,262,500 | 5,026 |
Average equity | $8,657,000 | 4,631 |
Average total loans | $42,888,000 | 4,613 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3222% | 2,254 |
Cost of funding earning assets | 0.6381% | 1,365 |
Net interest margin | 3.6841% | 2,861 |
Noninterest income to average assets | 0.6556% | 2,162 |
Noninterest expense to average assets | 3.4625% | 1,099 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.4766% | 4,440 |
Return on assets (ROA) | 0.4766% | 4,475 |
Pretax return on assets | 0.7064% | 4,491 |
Return on Equity (ROE) | 2.9862% | 4,830 |
Retained earnings to average equity (ytd only) | 2.9862% | 3,512 |
Net charge-offs to loans | 0.0337% | 3,116 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | 26.7857% | 1,658 |
Efficiency ratio | 83.0547% | 850 |
Assets per employee ($millions) | 3.9584% | 4,033 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0181% | 3,822 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 82.5589% | 608 |
Net loans and leases to deposits | 99.5921% | 764 |
Net loans and leases to core deposits | 102.7996% | 1,503 |
Total domestic deposits to total assets | 82.8971% | 3,599 |
Equity capital to assets | 16.7337% | 422 |
Core capital (leverage) ratio | 15.7633% | 505 |
Tier 1 risk-based capital ratio | 23.9254% | 822 |
Total risk-based capital ratio | 25.1396% | 806 |
Memoranda: | ||
Average total assets | $53,083,000 | 5,099 |
Average earning assets | $50,622,800 | 5,048 |
Average equity | $8,472,400 | 4,709 |
Average total loans | $41,528,400 | 4,679 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2460% | 2,446 |
Cost of funding earning assets | 0.6196% | 1,409 |
Net interest margin | 3.6263% | 3,049 |
Noninterest income to average assets | 0.5883% | 2,547 |
Noninterest expense to average assets | 3.4274% | 1,108 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.3888% | 5,019 |
Return on assets (ROA) | 0.3888% | 5,051 |
Pretax return on assets | 0.6182% | 4,807 |
Return on Equity (ROE) | 2.4650% | 5,235 |
Retained earnings to average equity (ytd only) | 2.4650% | 4,416 |
Net charge-offs to loans | -0.0032% | 4,381 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.7197% | 706 |
Assets per employee ($millions) | 4.2533% | 3,559 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0681% | 3,679 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 75.7166% | 1,635 |
Net loans and leases to deposits | 95.5779% | 1,146 |
Net loans and leases to core deposits | 98.5825% | 1,838 |
Total domestic deposits to total assets | 79.2198% | 4,492 |
Equity capital to assets | 15.3980% | 650 |
Core capital (leverage) ratio | 15.4603% | 585 |
Tier 1 risk-based capital ratio | 23.7954% | 869 |
Total risk-based capital ratio | 25.0447% | 852 |
Memoranda: | ||
Average total assets | $53,489,000 | 5,151 |
Average earning assets | $50,996,250 | 5,101 |
Average equity | $8,437,750 | 4,759 |
Average total loans | $41,180,250 | 4,737 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2131% | 2,421 |
Cost of funding earning assets | 0.6109% | 1,380 |
Net interest margin | 3.6022% | 3,029 |
Noninterest income to average assets | 0.5105% | 2,960 |
Noninterest expense to average assets | 3.3997% | 1,166 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.3441% | 5,115 |
Return on assets (ROA) | 0.3441% | 5,135 |
Pretax return on assets | 0.5446% | 4,917 |
Return on Equity (ROE) | 2.1635% | 5,318 |
Retained earnings to average equity (ytd only) | 2.1635% | 4,383 |
Net charge-offs to loans | -0.0049% | 4,332 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.1937% | 678 |
Assets per employee ($millions) | 4.1816% | 3,659 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0917% | 3,632 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0368% | 5,111 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 75.3353% | 1,640 |
Net loans and leases to deposits | 93.1385% | 1,349 |
Net loans and leases to core deposits | 96.0616% | 1,974 |
Total domestic deposits to total assets | 80.8852% | 4,206 |
Equity capital to assets | 15.5424% | 606 |
Core capital (leverage) ratio | 15.7961% | 500 |
Tier 1 risk-based capital ratio | 23.9756% | 852 |
Total risk-based capital ratio | 25.2242% | 834 |
Memoranda: | ||
Average total assets | $52,887,670 | 5,192 |
Average earning assets | $50,414,000 | 5,152 |
Average equity | $8,412,330 | 4,782 |
Average total loans | $40,801,000 | 4,780 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2069% | 2,256 |
Cost of funding earning assets | 0.5952% | 1,407 |
Net interest margin | 3.6117% | 2,846 |
Noninterest income to average assets | 0.5446% | 2,687 |
Noninterest expense to average assets | 3.1140% | 1,828 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.5522% | 4,368 |
Return on assets (ROA) | 0.5522% | 4,414 |
Pretax return on assets | 0.8744% | 3,850 |
Return on Equity (ROE) | 3.4310% | 4,985 |
Retained earnings to average equity (ytd only) | 3.4310% | 3,728 |
Net charge-offs to loans | -0.0099% | 4,416 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.0769% | 1,616 |
Assets per employee ($millions) | 4.0696% | 3,900 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1085% | 3,670 |
Loan loss allowance to noncurrent loans | 2,378.9474% | 305 |
Noncurrent assets plus other real estate owned to assets | 0.0359% | 5,167 |
Noncurrent loans to loans | 0.0466% | 5,005 |
Net loans and leases to total assets | 76.2215% | 1,379 |
Net loans and leases to deposits | 91.9424% | 1,335 |
Net loans and leases to core deposits | 94.8444% | 1,906 |
Total domestic deposits to total assets | 82.9014% | 3,878 |
Equity capital to assets | 15.9342% | 511 |
Core capital (leverage) ratio | 16.2522% | 430 |
Tier 1 risk-based capital ratio | 24.8717% | 782 |
Total risk-based capital ratio | 26.1226% | 769 |
Memoranda: | ||
Average total assets | $52,151,000 | 5,265 |
Average earning assets | $49,727,500 | 5,216 |
Average equity | $8,394,000 | 4,827 |
Average total loans | $40,499,000 | 4,832 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2192% | 2,424 |
Cost of funding earning assets | 0.6042% | 1,302 |
Net interest margin | 3.6150% | 3,021 |
Noninterest income to average assets | 0.6321% | 2,493 |
Noninterest expense to average assets | 3.6600% | 933 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.2770% | 5,269 |
Return on assets (ROA) | 0.2770% | 5,338 |
Pretax return on assets | 0.4156% | 5,195 |
Return on Equity (ROE) | 1.7108% | 5,455 |
Retained earnings to average equity (ytd only) | 1.7108% | 4,555 |
Net charge-offs to loans | 0.0861% | 2,469 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 6.2647% | 3,207 |
Efficiency ratio | 89.8037% | 569 |
Assets per employee ($millions) | 3.9536% | 4,052 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1213% | 3,600 |
Loan loss allowance to noncurrent loans | 570.8861% | 955 |
Noncurrent assets plus other real estate owned to assets | 0.1537% | 4,707 |
Noncurrent loans to loans | 0.1964% | 4,452 |
Net loans and leases to total assets | 77.3781% | 1,298 |
Net loans and leases to deposits | 92.6025% | 1,359 |
Net loans and leases to core deposits | 95.5803% | 1,958 |
Total domestic deposits to total assets | 83.5594% | 3,581 |
Equity capital to assets | 16.2616% | 466 |
Core capital (leverage) ratio | 16.1174% | 446 |
Tier 1 risk-based capital ratio | 25.6121% | 717 |
Total risk-based capital ratio | 26.8624% | 707 |
Memoranda: | ||
Average total assets | $51,256,400 | 5,320 |
Average earning assets | $48,824,800 | 5,269 |
Average equity | $8,300,200 | 4,886 |
Average total loans | $39,500,000 | 4,891 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2053% | 2,492 |
Cost of funding earning assets | 0.6012% | 1,319 |
Net interest margin | 3.6042% | 3,060 |
Noninterest income to average assets | 0.5597% | 2,876 |
Noninterest expense to average assets | 3.3657% | 1,422 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.3957% | 5,028 |
Return on assets (ROA) | 0.3957% | 5,124 |
Pretax return on assets | 0.6273% | 4,808 |
Return on Equity (ROE) | 2.4459% | 5,367 |
Retained earnings to average equity (ytd only) | 2.4459% | 4,455 |
Net charge-offs to loans | 0.0475% | 2,693 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | 17.2110% | 2,062 |
Efficiency ratio | 84.2894% | 974 |
Assets per employee ($millions) | 3.9608% | 4,036 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1914% | 3,294 |
Loan loss allowance to noncurrent loans | 942.0000% | 617 |
Noncurrent assets plus other real estate owned to assets | 0.3243% | 4,104 |
Noncurrent loans to loans | 0.1265% | 4,834 |
Net loans and leases to total assets | 75.8613% | 1,544 |
Net loans and leases to deposits | 90.9877% | 1,633 |
Net loans and leases to core deposits | 93.9057% | 2,198 |
Total domestic deposits to total assets | 83.3754% | 3,458 |
Equity capital to assets | 16.2536% | 520 |
Core capital (leverage) ratio | 16.3479% | 432 |
Tier 1 risk-based capital ratio | 25.5526% | 759 |
Total risk-based capital ratio | 26.8045% | 739 |
Memoranda: | ||
Average total assets | $51,221,250 | 5,372 |
Average earning assets | $48,794,250 | 5,323 |
Average equity | $8,285,750 | 4,937 |
Average total loans | $39,319,750 | 4,946 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1866% | 2,555 |
Cost of funding earning assets | 0.6075% | 1,265 |
Net interest margin | 3.5792% | 3,176 |
Noninterest income to average assets | 0.4694% | 3,412 |
Noninterest expense to average assets | 3.4186% | 1,339 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.2934% | 5,347 |
Return on assets (ROA) | 0.2934% | 5,429 |
Pretax return on assets | 0.4616% | 5,221 |
Return on Equity (ROE) | 1.8164% | 5,551 |
Retained earnings to average equity (ytd only) | 1.8164% | 4,645 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.1048% | 719 |
Assets per employee ($millions) | 4.2479% | 3,468 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2165% | 3,264 |
Loan loss allowance to noncurrent loans | 285.2941% | 1,710 |
Noncurrent assets plus other real estate owned to assets | 0.3335% | 4,167 |
Noncurrent loans to loans | 0.4264% | 3,827 |
Net loans and leases to total assets | 77.2614% | 1,293 |
Net loans and leases to deposits | 92.6050% | 1,442 |
Net loans and leases to core deposits | 95.5969% | 2,012 |
Total domestic deposits to total assets | 83.4311% | 3,492 |
Equity capital to assets | 16.2668% | 506 |
Core capital (leverage) ratio | 16.1552% | 448 |
Tier 1 risk-based capital ratio | 26.3013% | 708 |
Total risk-based capital ratio | 27.5542% | 693 |
Memoranda: | ||
Average total assets | $51,131,670 | 5,436 |
Average earning assets | $48,726,330 | 5,385 |
Average equity | $8,258,000 | 4,980 |
Average total loans | $39,249,000 | 4,994 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1793% | 2,550 |
Cost of funding earning assets | 0.6146% | 1,244 |
Net interest margin | 3.5647% | 3,226 |
Noninterest income to average assets | 0.5546% | 2,777 |
Noninterest expense to average assets | 3.3822% | 1,420 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.3593% | 5,112 |
Return on assets (ROA) | 0.3593% | 5,196 |
Pretax return on assets | 0.5702% | 4,901 |
Return on Equity (ROE) | 2.2327% | 5,453 |
Retained earnings to average equity (ytd only) | 2.2327% | 4,367 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.5731% | 1,015 |
Assets per employee ($millions) | 3.9538% | 4,036 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2379% | 3,267 |
Loan loss allowance to noncurrent loans | 285.2941% | 1,681 |
Noncurrent assets plus other real estate owned to assets | 0.3307% | 4,242 |
Noncurrent loans to loans | 0.4339% | 3,886 |
Net loans and leases to total assets | 75.2836% | 1,507 |
Net loans and leases to deposits | 90.0701% | 1,572 |
Net loans and leases to core deposits | 92.9409% | 2,093 |
Total domestic deposits to total assets | 83.5833% | 3,682 |
Equity capital to assets | 16.0781% | 523 |
Core capital (leverage) ratio | 16.0357% | 466 |
Tier 1 risk-based capital ratio | 27.0313% | 672 |
Total risk-based capital ratio | 28.2841% | 655 |
Memoranda: | ||
Average total assets | $51,210,000 | 5,485 |
Average earning assets | $48,811,500 | 5,430 |
Average equity | $8,241,000 | 5,010 |
Average total loans | $38,939,000 | 5,049 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4050% | 1,887 |
Cost of funding earning assets | 0.6209% | 1,226 |
Net interest margin | 3.7840% | 2,428 |
Noninterest income to average assets | 0.5687% | 2,909 |
Noninterest expense to average assets | 3.4655% | 1,355 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.4201% | 4,986 |
Return on assets (ROA) | 0.4201% | 5,068 |
Pretax return on assets | 0.7014% | 4,530 |
Return on Equity (ROE) | 2.6137% | 5,426 |
Retained earnings to average equity (ytd only) | 2.6137% | 4,214 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.1669% | 1,259 |
Assets per employee ($millions) | 3.6444% | 4,572 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2559% | 3,131 |
Loan loss allowance to noncurrent loans | 172.9537% | 2,519 |
Noncurrent assets plus other real estate owned to assets | 0.5508% | 3,451 |
Noncurrent loans to loans | 0.7261% | 3,005 |
Net loans and leases to total assets | 74.8947% | 1,590 |
Net loans and leases to deposits | 89.5041% | 1,683 |
Net loans and leases to core deposits | 91.7477% | 2,250 |
Total domestic deposits to total assets | 83.6773% | 3,597 |
Equity capital to assets | 16.1071% | 508 |
Core capital (leverage) ratio | 15.8676% | 480 |
Tier 1 risk-based capital ratio | 26.9054% | 675 |
Total risk-based capital ratio | 28.1594% | 654 |
Memoranda: | ||
Average total assets | $50,469,600 | 5,529 |
Average earning assets | $47,991,000 | 5,481 |
Average equity | $8,111,000 | 5,042 |
Average total loans | $40,293,000 | 5,005 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4380% | 1,791 |
Cost of funding earning assets | 0.6189% | 1,287 |
Net interest margin | 3.8191% | 2,309 |
Noninterest income to average assets | 0.5748% | 2,880 |
Noninterest expense to average assets | 3.4994% | 1,287 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.4238% | 5,074 |
Return on assets (ROA) | 0.4238% | 5,163 |
Pretax return on assets | 0.7046% | 4,667 |
Return on Equity (ROE) | 2.6388% | 5,504 |
Retained earnings to average equity (ytd only) | 2.6388% | 4,532 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.2388% | 1,236 |
Assets per employee ($millions) | 3.9405% | 3,995 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1787% | 3,768 |
Loan loss allowance to noncurrent loans | 171.3781% | 2,559 |
Noncurrent assets plus other real estate owned to assets | 0.5525% | 3,650 |
Noncurrent loans to loans | 0.6878% | 3,258 |
Net loans and leases to total assets | 79.3757% | 903 |
Net loans and leases to deposits | 95.9688% | 1,006 |
Net loans and leases to core deposits | 98.3837% | 1,659 |
Total domestic deposits to total assets | 82.7100% | 3,915 |
Equity capital to assets | 15.9392% | 567 |
Core capital (leverage) ratio | 16.0394% | 485 |
Tier 1 risk-based capital ratio | 24.4351% | 900 |
Total risk-based capital ratio | 25.6861% | 892 |
Memoranda: | ||
Average total assets | $50,331,750 | 5,605 |
Average earning assets | $47,828,500 | 5,552 |
Average equity | $8,084,250 | 5,108 |
Average total loans | $40,691,750 | 5,033 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4385% | 1,720 |
Cost of funding earning assets | 0.6142% | 1,317 |
Net interest margin | 3.8242% | 2,224 |
Noninterest income to average assets | 0.6556% | 2,450 |
Noninterest expense to average assets | 3.5776% | 1,171 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.4277% | 5,044 |
Return on assets (ROA) | 0.4277% | 5,148 |
Pretax return on assets | 0.7115% | 4,622 |
Return on Equity (ROE) | 2.6560% | 5,515 |
Retained earnings to average equity (ytd only) | 2.6560% | 4,366 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.4110% | 1,328 |
Assets per employee ($millions) | 3.9173% | 4,040 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1738% | 3,949 |
Loan loss allowance to noncurrent loans | 80.4636% | 4,193 |
Noncurrent assets plus other real estate owned to assets | 1.1861% | 2,140 |
Noncurrent loans to loans | 1.4588% | 1,819 |
Net loans and leases to total assets | 80.3495% | 764 |
Net loans and leases to deposits | 97.0196% | 871 |
Net loans and leases to core deposits | 99.4652% | 1,537 |
Total domestic deposits to total assets | 82.8179% | 4,020 |
Equity capital to assets | 15.9293% | 536 |
Core capital (leverage) ratio | 16.0095% | 462 |
Tier 1 risk-based capital ratio | 24.7627% | 887 |
Total risk-based capital ratio | 26.0142% | 877 |
Memoranda: | ||
Average total assets | $50,033,670 | 5,666 |
Average earning assets | $47,539,000 | 5,620 |
Average equity | $8,057,330 | 5,152 |
Average total loans | $40,540,330 | 5,086 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4219% | 1,685 |
Cost of funding earning assets | 0.6026% | 1,416 |
Net interest margin | 3.8193% | 2,168 |
Noninterest income to average assets | 0.6050% | 2,621 |
Noninterest expense to average assets | 3.5654% | 1,185 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.4033% | 5,059 |
Return on assets (ROA) | 0.4033% | 5,171 |
Pretax return on assets | 0.6695% | 4,694 |
Return on Equity (ROE) | 2.4907% | 5,538 |
Retained earnings to average equity (ytd only) | 2.4907% | 4,438 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.1905% | 1,360 |
Assets per employee ($millions) | 3.8554% | 4,239 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2028% | 3,965 |
Loan loss allowance to noncurrent loans | 79.9012% | 4,174 |
Noncurrent assets plus other real estate owned to assets | 1.2111% | 2,212 |
Noncurrent loans to loans | 1.5053% | 1,879 |
Net loans and leases to total assets | 79.4852% | 742 |
Net loans and leases to deposits | 96.2689% | 812 |
Net loans and leases to core deposits | 98.1232% | 1,463 |
Total domestic deposits to total assets | 82.5658% | 4,315 |
Equity capital to assets | 16.0714% | 535 |
Core capital (leverage) ratio | 16.2108% | 441 |
Tier 1 risk-based capital ratio | 24.9868% | 888 |
Total risk-based capital ratio | 26.2369% | 868 |
Memoranda: | ||
Average total assets | $49,588,000 | 5,731 |
Average earning assets | $47,129,500 | 5,677 |
Average equity | $8,030,000 | 5,207 |
Average total loans | $40,108,500 | 5,136 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7210% | 1,252 |
Cost of funding earning assets | 0.6163% | 1,631 |
Net interest margin | 4.1047% | 1,567 |
Noninterest income to average assets | 0.6356% | 2,641 |
Noninterest expense to average assets | 3.6150% | 1,274 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.5767% | 4,475 |
Return on assets (ROA) | 0.5767% | 4,558 |
Pretax return on assets | 0.9196% | 3,828 |
Return on Equity (ROE) | 3.3618% | 5,347 |
Retained earnings to average equity (ytd only) | 3.3618% | 3,820 |
Net charge-offs to loans | -0.1747% | 6,239 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.7206% | 1,976 |
Assets per employee ($millions) | 3.7735% | 4,397 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2157% | 3,906 |
Loan loss allowance to noncurrent loans | 76.0188% | 4,334 |
Noncurrent assets plus other real estate owned to assets | 1.3006% | 2,164 |
Noncurrent loans to loans | 1.5992% | 1,828 |
Net loans and leases to total assets | 80.3347% | 700 |
Net loans and leases to deposits | 98.7917% | 702 |
Net loans and leases to core deposits | 100.7619% | 1,341 |
Total domestic deposits to total assets | 81.3173% | 4,647 |
Equity capital to assets | 16.3181% | 498 |
Core capital (leverage) ratio | 16.2652% | 445 |
Tier 1 risk-based capital ratio | 23.7945% | 978 |
Total risk-based capital ratio | 25.0477% | 954 |
Memoranda: | ||
Average total assets | $45,781,600 | 5,886 |
Average earning assets | $43,486,600 | 5,838 |
Average equity | $7,853,000 | 5,235 |
Average total loans | $38,348,800 | 5,238 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7303% | 1,237 |
Cost of funding earning assets | 0.6182% | 1,691 |
Net interest margin | 4.1121% | 1,539 |
Noninterest income to average assets | 0.5990% | 2,878 |
Noninterest expense to average assets | 3.6236% | 1,255 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.5278% | 4,765 |
Return on assets (ROA) | 0.5278% | 4,837 |
Pretax return on assets | 0.8807% | 4,073 |
Return on Equity (ROE) | 3.0369% | 5,526 |
Retained earnings to average equity (ytd only) | 3.0369% | 4,455 |
Net charge-offs to loans | -0.2353% | 6,340 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.4477% | 1,853 |
Assets per employee ($millions) | 3.5968% | 4,685 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2438% | 3,998 |
Loan loss allowance to noncurrent loans | 152.5157% | 2,699 |
Noncurrent assets plus other real estate owned to assets | 0.6801% | 3,792 |
Noncurrent loans to loans | 0.8156% | 3,536 |
Net loans and leases to total assets | 82.3538% | 480 |
Net loans and leases to deposits | 102.2491% | 491 |
Net loans and leases to core deposits | 104.4031% | 1,077 |
Total domestic deposits to total assets | 80.5424% | 4,951 |
Equity capital to assets | 16.9361% | 435 |
Core capital (leverage) ratio | 16.8810% | 386 |
Tier 1 risk-based capital ratio | 24.6131% | 912 |
Total risk-based capital ratio | 25.8674% | 903 |
Memoranda: | ||
Average total assets | $44,963,000 | 5,974 |
Average earning assets | $42,702,500 | 5,926 |
Average equity | $7,815,000 | 5,291 |
Average total loans | $37,962,500 | 5,303 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7483% | 1,183 |
Cost of funding earning assets | 0.6220% | 1,718 |
Net interest margin | 4.1263% | 1,436 |
Noninterest income to average assets | 0.4508% | 3,866 |
Noninterest expense to average assets | 3.7688% | 1,015 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.3606% | 5,371 |
Return on assets (ROA) | 0.3606% | 5,439 |
Pretax return on assets | 0.5996% | 4,957 |
Return on Equity (ROE) | 2.0565% | 5,826 |
Retained earnings to average equity (ytd only) | 2.0565% | 4,864 |
Net charge-offs to loans | -0.3562% | 6,466 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.2745% | 1,247 |
Assets per employee ($millions) | 3.8375% | 4,183 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2467% | 4,187 |
Loan loss allowance to noncurrent loans | 151.8750% | 2,692 |
Noncurrent assets plus other real estate owned to assets | 0.6949% | 3,896 |
Noncurrent loans to loans | 0.8209% | 3,654 |
Net loans and leases to total assets | 83.5983% | 330 |
Net loans and leases to deposits | 103.9308% | 364 |
Net loans and leases to core deposits | 105.4250% | 934 |
Total domestic deposits to total assets | 80.4365% | 5,147 |
Equity capital to assets | 16.9837% | 416 |
Core capital (leverage) ratio | 16.9260% | 366 |
Tier 1 risk-based capital ratio | 24.8675% | 887 |
Total risk-based capital ratio | 26.1222% | 876 |
Memoranda: | ||
Average total assets | $44,364,670 | 6,049 |
Average earning assets | $42,120,330 | 5,995 |
Average equity | $7,780,330 | 5,321 |
Average total loans | $37,619,330 | 5,349 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6891% | 1,278 |
Cost of funding earning assets | 0.6297% | 1,737 |
Net interest margin | 4.0594% | 1,577 |
Noninterest income to average assets | 0.4412% | 3,859 |
Noninterest expense to average assets | 3.7223% | 1,096 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.3401% | 5,355 |
Return on assets (ROA) | 0.3401% | 5,410 |
Pretax return on assets | 0.5698% | 4,935 |
Return on Equity (ROE) | 1.9072% | 5,808 |
Retained earnings to average equity (ytd only) | 1.9072% | 4,830 |
Net charge-offs to loans | -0.7255% | 6,598 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.7238% | 1,370 |
Assets per employee ($millions) | 3.6708% | 4,585 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3044% | 4,100 |
Loan loss allowance to noncurrent loans | 149.6914% | 2,653 |
Noncurrent assets plus other real estate owned to assets | 0.7355% | 3,916 |
Noncurrent loans to loans | 0.8714% | 3,716 |
Net loans and leases to total assets | 83.3099% | 276 |
Net loans and leases to deposits | 101.7044% | 373 |
Net loans and leases to core deposits | 103.2031% | 911 |
Total domestic deposits to total assets | 81.9137% | 4,966 |
Equity capital to assets | 17.6595% | 341 |
Core capital (leverage) ratio | 17.5996% | 324 |
Tier 1 risk-based capital ratio | 25.4819% | 837 |
Total risk-based capital ratio | 26.7351% | 823 |
Memoranda: | ||
Average total assets | $43,522,000 | 6,128 |
Average earning assets | $41,287,000 | 6,076 |
Average equity | $7,760,000 | 5,355 |
Average total loans | $36,937,500 | 5,429 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6695% | 1,658 |
Cost of funding earning assets | 0.7325% | 1,611 |
Net interest margin | 3.9369% | 2,147 |
Noninterest income to average assets | 0.8875% | 1,725 |
Noninterest expense to average assets | 3.6583% | 1,355 |
Loan and lease loss provision to assets | 0.0589% | 3,961 |
Net operating income to assets | 0.4732% | 4,853 |
Return on assets (ROA) | 0.4732% | 4,994 |
Pretax return on assets | 0.7510% | 4,337 |
Return on Equity (ROE) | 3.5140% | 5,319 |
Retained earnings to average equity (ytd only) | 3.5140% | 3,727 |
Net charge-offs to loans | -0.0251% | 6,185 |
Credit loss provision to net charge-offs | -312.5000% | 6,062 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.8757% | 1,893 |
Assets per employee ($millions) | 3.5828% | 4,729 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1392% | 4,956 |
Loan loss allowance to noncurrent loans | 64.1104% | 4,714 |
Noncurrent assets plus other real estate owned to assets | 1.5165% | 2,446 |
Noncurrent loans to loans | 1.7770% | 2,266 |
Net loans and leases to total assets | 84.3699% | 230 |
Net loans and leases to deposits | 103.4331% | 341 |
Net loans and leases to core deposits | 104.9990% | 856 |
Total domestic deposits to total assets | 81.5695% | 5,014 |
Equity capital to assets | 18.0048% | 322 |
Core capital (leverage) ratio | 17.9419% | 301 |
Tier 1 risk-based capital ratio | 25.5910% | 807 |
Total risk-based capital ratio | 26.8426% | 793 |
Memoranda: | ||
Average total assets | $42,478,600 | 6,210 |
Average earning assets | $38,634,000 | 6,205 |
Average equity | $5,720,000 | 5,874 |
Average total loans | $31,878,600 | 5,675 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5381% | 2,086 |
Cost of funding earning assets | 0.7558% | 1,564 |
Net interest margin | 3.7823% | 2,708 |
Noninterest income to average assets | 0.9917% | 1,478 |
Noninterest expense to average assets | 3.6268% | 1,356 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.4596% | 4,978 |
Return on assets (ROA) | 0.4596% | 5,123 |
Pretax return on assets | 0.7682% | 4,430 |
Return on Equity (ROE) | 3.7329% | 5,344 |
Retained earnings to average equity (ytd only) | 3.7329% | 4,037 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.5215% | 1,757 |
Assets per employee ($millions) | 3.6457% | 4,567 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1613% | 5,064 |
Loan loss allowance to noncurrent loans | 75.4902% | 4,223 |
Noncurrent assets plus other real estate owned to assets | 1.1658% | 3,324 |
Noncurrent loans to loans | 1.5383% | 2,858 |
Net loans and leases to total assets | 74.9017% | 1,142 |
Net loans and leases to deposits | 91.3648% | 1,031 |
Net loans and leases to core deposits | 92.7116% | 1,701 |
Total domestic deposits to total assets | 81.9809% | 4,939 |
Equity capital to assets | 17.5688% | 361 |
Core capital (leverage) ratio | 17.5085% | 337 |
Tier 1 risk-based capital ratio | 27.3094% | 681 |
Total risk-based capital ratio | 28.5653% | 664 |
Memoranda: | ||
Average total assets | $42,349,750 | 6,285 |
Average earning assets | $38,106,000 | 6,295 |
Average equity | $5,214,750 | 6,087 |
Average total loans | $30,675,250 | 5,778 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5981% | 1,863 |
Cost of funding earning assets | 0.8006% | 1,409 |
Net interest margin | 3.7975% | 2,566 |
Noninterest income to average assets | 1.3132% | 901 |
Noninterest expense to average assets | 3.6148% | 1,384 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.6303% | 4,155 |
Return on assets (ROA) | 0.6303% | 4,308 |
Pretax return on assets | 1.0505% | 3,292 |
Return on Equity (ROE) | 6.0123% | 4,167 |
Retained earnings to average equity (ytd only) | 6.0123% | 2,434 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.4821% | 2,545 |
Assets per employee ($millions) | 3.7099% | 4,380 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2239% | 4,867 |
Loan loss allowance to noncurrent loans | 80.7128% | 4,005 |
Noncurrent assets plus other real estate owned to assets | 1.0715% | 3,596 |
Noncurrent loans to loans | 1.5164% | 3,026 |
Net loans and leases to total assets | 69.7927% | 1,920 |
Net loans and leases to deposits | 77.9151% | 2,583 |
Net loans and leases to core deposits | 78.4087% | 3,239 |
Total domestic deposits to total assets | 89.5752% | 1,276 |
Equity capital to assets | 10.0025% | 3,914 |
Core capital (leverage) ratio | 9.9357% | 3,607 |
Tier 1 risk-based capital ratio | 16.7494% | 2,814 |
Total risk-based capital ratio | 17.9961% | 2,788 |
Memoranda: | ||
Average total assets | $41,883,670 | 6,347 |
Average earning assets | $36,972,000 | 6,372 |
Average equity | $4,391,000 | 6,357 |
Average total loans | $29,849,330 | 5,850 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8854% | 1,123 |
Cost of funding earning assets | 0.8798% | 1,084 |
Net interest margin | 4.0056% | 1,758 |
Noninterest income to average assets | 1.4988% | 689 |
Noninterest expense to average assets | 3.6385% | 1,355 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.7691% | 3,336 |
Return on assets (ROA) | 0.7691% | 3,476 |
Pretax return on assets | 1.2720% | 2,328 |
Return on Equity (ROE) | 7.1560% | 3,403 |
Retained earnings to average equity (ytd only) | 7.1560% | 2,085 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.0964% | 3,249 |
Assets per employee ($millions) | 3.6605% | 4,641 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3143% | 4,624 |
Loan loss allowance to noncurrent loans | 89.5349% | 3,641 |
Noncurrent assets plus other real estate owned to assets | 1.4181% | 3,143 |
Noncurrent loans to loans | 1.4679% | 3,360 |
Net loans and leases to total assets | 71.7968% | 1,387 |
Net loans and leases to deposits | 81.0707% | 1,946 |
Net loans and leases to core deposits | 83.0098% | 2,454 |
Total domestic deposits to total assets | 88.5608% | 1,967 |
Equity capital to assets | 10.9251% | 3,047 |
Core capital (leverage) ratio | 10.8521% | 2,399 |
Tier 1 risk-based capital ratio | 16.6718% | 2,918 |
Total risk-based capital ratio | 17.9242% | 2,885 |
Memoranda: | ||
Average total assets | $40,566,000 | 6,443 |
Average earning assets | $34,552,000 | 6,507 |
Average equity | $4,360,000 | 6,432 |
Average total loans | $29,046,000 | 5,934 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8576% | 1,997 |
Cost of funding earning assets | 1.0597% | 1,077 |
Net interest margin | 3.7979% | 3,235 |
Noninterest income to average assets | 1.5439% | 660 |
Noninterest expense to average assets | 3.5072% | 1,799 |
Loan and lease loss provision to assets | 0.2148% | 2,989 |
Net operating income to assets | 0.7151% | 3,666 |
Return on assets (ROA) | 0.7151% | 3,925 |
Pretax return on assets | 1.1724% | 2,898 |
Return on Equity (ROE) | 6.7429% | 3,789 |
Retained earnings to average equity (ytd only) | 6.7429% | 1,696 |
Net charge-offs to loans | 0.5082% | 2,210 |
Credit loss provision to net charge-offs | 60.2837% | 4,436 |
Earnings coverage of net charge-offs (x) | 3.8936% | 3,558 |
Efficiency ratio | 71.6572% | 3,483 |
Assets per employee ($millions) | 3.4056% | 5,197 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3369% | 4,468 |
Loan loss allowance to noncurrent loans | 141.5441% | 2,488 |
Noncurrent assets plus other real estate owned to assets | 1.0106% | 4,015 |
Noncurrent loans to loans | 0.9445% | 4,302 |
Net loans and leases to total assets | 69.5255% | 1,936 |
Net loans and leases to deposits | 78.0405% | 2,526 |
Net loans and leases to core deposits | 79.3017% | 3,109 |
Total domestic deposits to total assets | 89.0890% | 1,501 |
Equity capital to assets | 10.5733% | 3,436 |
Core capital (leverage) ratio | 10.5076% | 2,756 |
Tier 1 risk-based capital ratio | 17.0325% | 2,634 |
Total risk-based capital ratio | 18.2868% | 2,600 |
Memoranda: | ||
Average total assets | $39,575,400 | 6,512 |
Average earning assets | $34,914,400 | 6,534 |
Average equity | $4,197,000 | 6,523 |
Average total loans | $27,747,200 | 6,047 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8799% | 2,085 |
Cost of funding earning assets | 1.0941% | 1,082 |
Net interest margin | 3.7858% | 3,397 |
Noninterest income to average assets | 1.5455% | 622 |
Noninterest expense to average assets | 3.4782% | 1,810 |
Loan and lease loss provision to assets | 0.2038% | 3,038 |
Net operating income to assets | 0.8084% | 3,410 |
Return on assets (ROA) | 0.8084% | 3,653 |
Pretax return on assets | 1.2602% | 2,752 |
Return on Equity (ROE) | 7.6171% | 3,463 |
Retained earnings to average equity (ytd only) | 7.6171% | 1,788 |
Net charge-offs to loans | 0.6889% | 1,600 |
Credit loss provision to net charge-offs | 42.2535% | 4,566 |
Earnings coverage of net charge-offs (x) | 3.0352% | 3,820 |
Efficiency ratio | 70.3780% | 3,615 |
Assets per employee ($millions) | 3.9805% | 3,909 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3412% | 4,626 |
Loan loss allowance to noncurrent loans | 55.4869% | 4,877 |
Noncurrent assets plus other real estate owned to assets | 2.6077% | 2,021 |
Noncurrent loans to loans | 2.4172% | 2,381 |
Net loans and leases to total assets | 66.3434% | 2,586 |
Net loans and leases to deposits | 74.8802% | 3,162 |
Net loans and leases to core deposits | 76.1257% | 3,710 |
Total domestic deposits to total assets | 88.5994% | 1,658 |
Equity capital to assets | 10.7424% | 3,561 |
Core capital (leverage) ratio | 10.6818% | 2,722 |
Tier 1 risk-based capital ratio | 17.5644% | 2,515 |
Total risk-based capital ratio | 18.8169% | 2,478 |
Memoranda: | ||
Average total assets | $39,252,500 | 6,609 |
Average earning assets | $35,218,500 | 6,605 |
Average equity | $4,166,000 | 6,607 |
Average total loans | $27,484,500 | 6,136 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9743% | 1,857 |
Cost of funding earning assets | 1.1536% | 1,012 |
Net interest margin | 3.8207% | 3,265 |
Noninterest income to average assets | 1.3976% | 736 |
Noninterest expense to average assets | 3.4196% | 1,985 |
Loan and lease loss provision to assets | 0.3072% | 2,152 |
Net operating income to assets | 0.6757% | 3,995 |
Return on assets (ROA) | 0.6757% | 4,258 |
Pretax return on assets | 1.0955% | 3,320 |
Return on Equity (ROE) | 6.3933% | 4,105 |
Retained earnings to average equity (ytd only) | 6.3933% | 2,447 |
Net charge-offs to loans | 1.0244% | 1,075 |
Credit loss provision to net charge-offs | 42.2535% | 4,211 |
Earnings coverage of net charge-offs (x) | 1.9296% | 4,015 |
Efficiency ratio | 70.9130% | 3,616 |
Assets per employee ($millions) | 3.8777% | 4,130 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3284% | 4,752 |
Loan loss allowance to noncurrent loans | 130.0725% | 2,534 |
Noncurrent assets plus other real estate owned to assets | 2.0837% | 2,683 |
Noncurrent loans to loans | 1.0213% | 4,466 |
Net loans and leases to total assets | 68.7650% | 2,148 |
Net loans and leases to deposits | 77.4290% | 2,766 |
Net loans and leases to core deposits | 78.7391% | 3,407 |
Total domestic deposits to total assets | 88.8104% | 1,632 |
Equity capital to assets | 10.7512% | 3,394 |
Core capital (leverage) ratio | 10.6959% | 2,602 |
Tier 1 risk-based capital ratio | 16.9343% | 2,697 |
Total risk-based capital ratio | 18.1885% | 2,655 |
Memoranda: | ||
Average total assets | $39,068,330 | 6,663 |
Average earning assets | $35,019,670 | 6,657 |
Average equity | $4,129,330 | 6,647 |
Average total loans | $27,723,670 | 6,166 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0934% | 1,593 |
Cost of funding earning assets | 1.2247% | 871 |
Net interest margin | 3.8687% | 3,061 |
Noninterest income to average assets | 1.4893% | 651 |
Noninterest expense to average assets | 3.1111% | 2,883 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.0200% | 2,399 |
Return on assets (ROA) | 1.0200% | 2,593 |
Pretax return on assets | 1.8259% | 1,023 |
Return on Equity (ROE) | 9.7335% | 2,503 |
Retained earnings to average equity (ytd only) | 9.7335% | 1,344 |
Net charge-offs to loans | 2.0233% | 461 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 1.2606% | 3,705 |
Efficiency ratio | 63.0165% | 5,102 |
Assets per employee ($millions) | 3.8610% | 4,286 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1024% | 5,899 |
Loan loss allowance to noncurrent loans | 216.6667% | 1,521 |
Noncurrent assets plus other real estate owned to assets | 1.7275% | 3,272 |
Noncurrent loans to loans | 0.5088% | 5,651 |
Net loans and leases to total assets | 69.4742% | 1,841 |
Net loans and leases to deposits | 78.1426% | 2,483 |
Net loans and leases to core deposits | 80.0740% | 3,062 |
Total domestic deposits to total assets | 88.9070% | 1,757 |
Equity capital to assets | 10.7148% | 3,247 |
Core capital (leverage) ratio | 10.6593% | 2,590 |
Tier 1 risk-based capital ratio | 16.7270% | 2,793 |
Total risk-based capital ratio | 17.9430% | 2,771 |
Memoranda: | ||
Average total assets | $39,214,000 | 6,708 |
Average earning assets | $34,947,000 | 6,712 |
Average equity | $4,109,500 | 6,691 |
Average total loans | $28,073,500 | 6,199 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1791% | 2,150 |
Cost of funding earning assets | 1.3829% | 1,111 |
Net interest margin | 3.7961% | 3,839 |
Noninterest income to average assets | 0.0691% | 6,758 |
Noninterest expense to average assets | 2.9678% | 3,713 |
Loan and lease loss provision to assets | 0.2167% | 4,022 |
Net operating income to assets | 0.2905% | 5,289 |
Return on assets (ROA) | 0.6502% | 3,932 |
Pretax return on assets | 1.0361% | 3,097 |
Return on Equity (ROE) | 6.8939% | 3,444 |
Retained earnings to average equity (ytd only) | 6.8939% | 1,554 |
Net charge-offs to loans | 0.2794% | 4,025 |
Credit loss provision to net charge-offs | 101.1111% | 3,441 |
Earnings coverage of net charge-offs (x) | 3.2222% | 3,606 |
Efficiency ratio | 80.6641% | 2,211 |
Assets per employee ($millions) | 4.4242% | 3,030 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2817% | 5,011 |
Loan loss allowance to noncurrent loans | 290.6250% | 1,140 |
Noncurrent assets plus other real estate owned to assets | 1.6199% | 3,528 |
Noncurrent loans to loans | 0.4410% | 5,827 |
Net loans and leases to total assets | 71.9574% | 1,651 |
Net loans and leases to deposits | 80.2712% | 2,472 |
Net loans and leases to core deposits | 80.8533% | 3,332 |
Total domestic deposits to total assets | 89.6429% | 1,181 |
Equity capital to assets | 10.2516% | 3,849 |
Core capital (leverage) ratio | 10.2516% | 3,026 |
Tier 1 risk-based capital ratio | 15.8352% | 3,142 |
Total risk-based capital ratio | 17.0843% | 3,100 |
Memoranda: | ||
Average total assets | $41,984,600 | 6,600 |
Average earning assets | $39,698,200 | 6,541 |
Average equity | $3,960,000 | 6,759 |
Average total loans | $32,213,000 | 6,062 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2650% | 1,977 |
Cost of funding earning assets | 1.4230% | 1,136 |
Net interest margin | 3.8420% | 3,657 |
Noninterest income to average assets | 0.0658% | 6,892 |
Noninterest expense to average assets | 2.8656% | 4,079 |
Loan and lease loss provision to assets | 0.2853% | 3,234 |
Net operating income to assets | 0.2015% | 5,701 |
Return on assets (ROA) | 0.4985% | 4,742 |
Pretax return on assets | 1.0189% | 3,335 |
Return on Equity (ROE) | 5.3948% | 4,338 |
Retained earnings to average equity (ytd only) | 5.3948% | 2,915 |
Net charge-offs to loans | 0.2787% | 3,689 |
Credit loss provision to net charge-offs | 131.8841% | 2,417 |
Earnings coverage of net charge-offs (x) | 3.8839% | 3,260 |
Efficiency ratio | 76.9036% | 2,692 |
Assets per employee ($millions) | 4.6279% | 2,716 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3003% | 5,013 |
Loan loss allowance to noncurrent loans | 701.7857% | 497 |
Noncurrent assets plus other real estate owned to assets | 1.3709% | 4,081 |
Noncurrent loans to loans | 0.1853% | 6,501 |
Net loans and leases to total assets | 71.6213% | 1,790 |
Net loans and leases to deposits | 79.6981% | 2,690 |
Net loans and leases to core deposits | 79.6981% | 3,685 |
Total domestic deposits to total assets | 89.8658% | 942 |
Equity capital to assets | 9.5268% | 5,038 |
Core capital (leverage) ratio | 9.5268% | 4,113 |
Tier 1 risk-based capital ratio | 14.4870% | 3,987 |
Total risk-based capital ratio | 15.7357% | 3,960 |
Memoranda: | ||
Average total assets | $42,526,250 | 6,645 |
Average earning assets | $40,290,000 | 6,573 |
Average equity | $3,929,500 | 6,823 |
Average total loans | $33,010,250 | 6,073 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3904% | 1,595 |
Cost of funding earning assets | 1.4594% | 1,165 |
Net interest margin | 3.9310% | 3,167 |
Noninterest income to average assets | 0.0654% | 6,977 |
Noninterest expense to average assets | 2.8586% | 4,194 |
Loan and lease loss provision to assets | 0.4251% | 2,309 |
Net operating income to assets | 0.1586% | 5,858 |
Return on assets (ROA) | 0.4157% | 5,025 |
Pretax return on assets | 0.9202% | 3,548 |
Return on Equity (ROE) | 4.5447% | 4,677 |
Retained earnings to average equity (ytd only) | 4.5447% | 3,297 |
Net charge-offs to loans | 0.0118% | 5,684 |
Credit loss provision to net charge-offs | 4,550.0000% | 73 |
Earnings coverage of net charge-offs (x) | 101.0000% | 364 |
Efficiency ratio | 74.6929% | 3,241 |
Assets per employee ($millions) | 4.7772% | 2,437 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4069% | 4,536 |
Loan loss allowance to noncurrent loans | 67.4009% | 4,069 |
Noncurrent assets plus other real estate owned to assets | 1.5839% | 3,822 |
Noncurrent loans to loans | 2.0874% | 3,365 |
Net loans and leases to total assets | 74.8134% | 1,261 |
Net loans and leases to deposits | 82.6804% | 2,343 |
Net loans and leases to core deposits | 83.2260% | 3,332 |
Total domestic deposits to total assets | 90.4849% | 719 |
Equity capital to assets | 9.0731% | 5,477 |
Core capital (leverage) ratio | 9.0731% | 4,612 |
Tier 1 risk-based capital ratio | 13.4129% | 4,598 |
Total risk-based capital ratio | 14.6644% | 4,586 |
Memoranda: | ||
Average total assets | $42,818,000 | 6,684 |
Average earning assets | $40,702,330 | 6,610 |
Average equity | $3,916,670 | 6,870 |
Average total loans | $33,939,000 | 6,077 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5913% | 1,074 |
Cost of funding earning assets | 1.4864% | 1,227 |
Net interest margin | 4.1049% | 2,251 |
Noninterest income to average assets | 0.0655% | 7,064 |
Noninterest expense to average assets | 2.7335% | 4,705 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.6317% | 3,859 |
Return on assets (ROA) | 0.8893% | 2,680 |
Pretax return on assets | 1.6382% | 1,109 |
Return on Equity (ROE) | 9.6828% | 2,215 |
Retained earnings to average equity (ytd only) | 9.6828% | 1,186 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.3962% | 4,579 |
Assets per employee ($millions) | 4.8176% | 2,398 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8373% | 6,845 |
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 | 76.4795% | 965 |
Net loans and leases to deposits | 84.7107% | 1,928 |
Net loans and leases to core deposits | 84.7107% | 3,067 |
Total domestic deposits to total assets | 90.2832% | 970 |
Equity capital to assets | 9.1609% | 4,934 |
Core capital (leverage) ratio | 9.1609% | 4,356 |
Tier 1 risk-based capital ratio | 13.3535% | 4,540 |
Total risk-based capital ratio | 14.2948% | 4,778 |
Memoranda: | ||
Average total assets | $42,729,500 | 6,737 |
Average earning assets | $40,634,500 | 6,662 |
Average equity | $3,924,500 | 6,906 |
Average total loans | $34,596,000 | 6,099 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7308% | 1,466 |
Cost of funding earning assets | 1.9067% | 824 |
Net interest margin | 3.8240% | 3,845 |
Noninterest income to average assets | 0.1325% | 6,730 |
Noninterest expense to average assets | 2.8546% | 4,393 |
Loan and lease loss provision to assets | 0.1300% | 5,868 |
Net operating income to assets | 0.4892% | 4,153 |
Return on assets (ROA) | 1.0524% | 1,961 |
Pretax return on assets | 1.6473% | 1,040 |
Return on Equity (ROE) | 11.3294% | 1,496 |
Retained earnings to average equity (ytd only) | 11.3294% | 349 |
Net charge-offs to loans | 0.0062% | 6,784 |
Credit loss provision to net charge-offs | 2,600.0000% | 91 |
Earnings coverage of net charge-offs (x) | 179.5000% | 144 |
Efficiency ratio | 75.6829% | 3,094 |
Assets per employee ($millions) | 4.6779% | 2,583 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7832% | 7,004 |
Loan loss allowance to noncurrent loans | 509.0909% | 634 |
Noncurrent assets plus other real estate owned to assets | 0.1306% | 6,909 |
Noncurrent loans to loans | 0.1538% | 6,759 |
Net loans and leases to total assets | 84.2545% | 279 |
Net loans and leases to deposits | 93.2517% | 1,124 |
Net loans and leases to core deposits | 93.2517% | 2,348 |
Total domestic deposits to total assets | 90.3518% | 907 |
Equity capital to assets | 9.2088% | 4,827 |
Core capital (leverage) ratio | 9.2088% | 4,155 |
Tier 1 risk-based capital ratio | 12.5465% | 4,983 |
Total risk-based capital ratio | 13.4526% | 5,267 |
Memoranda: | ||
Average total assets | $40,005,200 | 6,868 |
Average earning assets | $37,865,800 | 6,797 |
Average equity | $3,716,000 | 7,078 |
Average total loans | $32,072,600 | 6,309 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6291% | 1,952 |
Cost of funding earning assets | 1.9788% | 804 |
Net interest margin | 3.6503% | 4,635 |
Noninterest income to average assets | 0.1756% | 6,626 |
Noninterest expense to average assets | 2.5463% | 5,536 |
Loan and lease loss provision to assets | 0.1520% | 5,523 |
Net operating income to assets | 0.7092% | 3,369 |
Return on assets (ROA) | 1.4555% | 1,086 |
Pretax return on assets | 1.8979% | 777 |
Return on Equity (ROE) | 15.6335% | 757 |
Retained earnings to average equity (ytd only) | 15.6335% | 183 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.7393% | 4,123 |
Assets per employee ($millions) | 6.1843% | 1,125 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7140% | 7,175 |
Loan loss allowance to noncurrent loans | 21.6826% | 6,832 |
Noncurrent assets plus other real estate owned to assets | 2.6634% | 2,710 |
Noncurrent loans to loans | 3.2929% | 2,403 |
Net loans and leases to total assets | 80.3072% | 695 |
Net loans and leases to deposits | 88.6885% | 1,911 |
Net loans and leases to core deposits | 89.8390% | 3,117 |
Total domestic deposits to total assets | 90.5498% | 619 |
Equity capital to assets | 9.0321% | 5,532 |
Core capital (leverage) ratio | 9.0321% | 4,637 |
Tier 1 risk-based capital ratio | 12.6178% | 4,877 |
Total risk-based capital ratio | 13.4246% | 5,263 |
Memoranda: | ||
Average total assets | $39,481,250 | 6,964 |
Average earning assets | $37,328,750 | 6,904 |
Average equity | $3,675,750 | 7,181 |
Average total loans | $31,152,750 | 6,433 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4893% | 2,567 |
Cost of funding earning assets | 2.0571% | 757 |
Net interest margin | 3.4322% | 5,508 |
Noninterest income to average assets | 0.3140% | 5,649 |
Noninterest expense to average assets | 2.6641% | 5,062 |
Loan and lease loss provision to assets | 0.2355% | 4,560 |
Net operating income to assets | 0.4484% | 4,560 |
Return on assets (ROA) | 0.8008% | 3,109 |
Pretax return on assets | 1.1724% | 2,505 |
Return on Equity (ROE) | 8.5055% | 2,666 |
Retained earnings to average equity (ytd only) | 8.5055% | 1,261 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5214% | 3,363 |
Assets per employee ($millions) | 5.7721% | 1,393 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3517% | 7,632 |
Loan loss allowance to noncurrent loans | 41.5808% | 5,557 |
Noncurrent assets plus other real estate owned to assets | 0.7202% | 5,690 |
Noncurrent loans to loans | 0.8457% | 5,580 |
Net loans and leases to total assets | 84.8608% | 293 |
Net loans and leases to deposits | 93.9706% | 1,278 |
Net loans and leases to core deposits | 93.9706% | 2,715 |
Total domestic deposits to total assets | 90.3057% | 763 |
Equity capital to assets | 9.1375% | 5,237 |
Core capital (leverage) ratio | 9.1375% | 4,395 |
Tier 1 risk-based capital ratio | 12.3718% | 4,972 |
Total risk-based capital ratio | 12.7773% | 5,718 |
Memoranda: | ||
Average total assets | $38,211,670 | 7,064 |
Average earning assets | $36,070,000 | 7,001 |
Average equity | $3,597,670 | 7,240 |
Average total loans | $29,865,330 | 6,536 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2885% | 3,598 |
Cost of funding earning assets | 2.1520% | 683 |
Net interest margin | 3.1365% | 6,499 |
Noninterest income to average assets | 0.0539% | 7,445 |
Noninterest expense to average assets | 2.8129% | 4,442 |
Loan and lease loss provision to assets | 0.0754% | 5,887 |
Net operating income to assets | 0.0760% | 6,093 |
Return on assets (ROA) | 0.2371% | 5,667 |
Pretax return on assets | 0.3664% | 5,394 |
Return on Equity (ROE) | 2.4785% | 5,566 |
Retained earnings to average equity (ytd only) | 2.4785% | 4,648 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.8315% | 1,217 |
Assets per employee ($millions) | 5.5309% | 1,634 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2857% | 7,762 |
Loan loss allowance to noncurrent loans | 143.1034% | 1,955 |
Noncurrent assets plus other real estate owned to assets | 0.1498% | 7,107 |
Noncurrent loans to loans | 0.1996% | 6,942 |
Net loans and leases to total assets | 74.8218% | 1,786 |
Net loans and leases to deposits | 82.7208% | 3,158 |
Net loans and leases to core deposits | 82.7208% | 4,392 |
Total domestic deposits to total assets | 90.4510% | 758 |
Equity capital to assets | 9.2003% | 4,987 |
Core capital (leverage) ratio | 9.2003% | 4,226 |
Tier 1 risk-based capital ratio | 13.4623% | 4,012 |
Total risk-based capital ratio | 13.7760% | 4,679 |
Memoranda: | ||
Average total assets | $37,115,000 | 7,194 |
Average earning assets | $34,943,500 | 7,130 |
Average equity | $3,550,500 | 7,327 |
Average total loans | $27,593,500 | 6,744 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9912% | 1,910 |
Cost of funding earning assets | 2.6081% | 762 |
Net interest margin | 3.3831% | 5,436 |
Noninterest income to average assets | 0.1851% | 6,767 |
Noninterest expense to average assets | 3.0939% | 3,769 |
Loan and lease loss provision to assets | 0.0926% | 6,676 |
Net operating income to assets | 0.0392% | 5,366 |
Return on assets (ROA) | 0.0392% | 5,418 |
Pretax return on assets | 0.1068% | 5,207 |
Return on Equity (ROE) | 0.3087% | 5,436 |
Retained earnings to average equity (ytd only) | 0.3087% | 4,737 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.2973% | 1,458 |
Assets per employee ($millions) | 5.0734% | 2,121 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2908% | 7,830 |
Loan loss allowance to noncurrent loans | 205.4054% | 1,451 |
Noncurrent assets plus other real estate owned to assets | 0.1042% | 7,232 |
Noncurrent loans to loans | 0.1416% | 7,076 |
Net loans and leases to total assets | 73.3795% | 2,411 |
Net loans and leases to deposits | 81.7389% | 3,660 |
Net loans and leases to core deposits | 101.7214% | 3,826 |
Total domestic deposits to total assets | 89.7730% | 1,068 |
Equity capital to assets | 9.9651% | 3,807 |
Core capital (leverage) ratio | 9.9651% | 3,128 |
Tier 1 risk-based capital ratio | 15.1001% | 2,885 |
Total risk-based capital ratio | 15.4243% | 3,350 |
Memoranda: | ||
Average total assets | $28,087,600 | 7,544 |
Average earning assets | $25,804,600 | 7,514 |
Average equity | $3,563,000 | 7,428 |
Average total loans | $21,417,600 | 7,117 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0797% | 1,721 |
Cost of funding earning assets | 2.7442% | 701 |
Net interest margin | 3.3354% | 5,504 |
Noninterest income to average assets | 0.0407% | 7,688 |
Noninterest expense to average assets | 2.9176% | 4,374 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 0.1271% | 5,383 |
Return on assets (ROA) | 0.1271% | 5,450 |
Pretax return on assets | 0.1626% | 5,379 |
Return on Equity (ROE) | 0.9339% | 5,515 |
Retained earnings to average equity (ytd only) | 0.9339% | 4,787 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.8944% | 1,406 |
Assets per employee ($millions) | 4.3090% | 3,195 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2092% | 7,968 |
Loan loss allowance to noncurrent loans | 29.2398% | 6,511 |
Noncurrent assets plus other real estate owned to assets | 0.5669% | 6,038 |
Noncurrent loans to loans | 0.7156% | 5,874 |
Net loans and leases to total assets | 79.0604% | 1,380 |
Net loans and leases to deposits | 90.0941% | 2,561 |
Net loans and leases to core deposits | 111.0609% | 3,121 |
Total domestic deposits to total assets | 87.7532% | 1,775 |
Equity capital to assets | 11.7760% | 2,380 |
Core capital (leverage) ratio | 11.7760% | 1,919 |
Tier 1 risk-based capital ratio | 17.1131% | 2,243 |
Total risk-based capital ratio | 17.3540% | 2,526 |
Memoranda: | ||
Average total assets | $26,231,000 | 7,670 |
Average earning assets | $23,904,250 | 7,657 |
Average equity | $3,569,000 | 7,489 |
Average total loans | $20,238,000 | 7,242 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1019% | 1,784 |
Cost of funding earning assets | 2.8594% | 672 |
Net interest margin | 3.2425% | 5,764 |
Noninterest income to average assets | 0.0321% | 7,829 |
Noninterest expense to average assets | 2.7046% | 5,369 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 0.1926% | 5,288 |
Return on assets (ROA) | 0.1926% | 5,365 |
Pretax return on assets | 0.2488% | 5,328 |
Return on Equity (ROE) | 1.3428% | 5,521 |
Retained earnings to average equity (ytd only) | 1.3428% | 4,593 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.7609% | 1,745 |
Assets per employee ($millions) | 4.5912% | 2,624 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2397% | 8,038 |
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 | 75.5436% | 2,300 |
Net loans and leases to deposits | 87.1952% | 3,321 |
Net loans and leases to core deposits | 107.9021% | 3,622 |
Total domestic deposits to total assets | 86.6374% | 2,440 |
Equity capital to assets | 12.9996% | 1,691 |
Core capital (leverage) ratio | 12.9996% | 1,431 |
Tier 1 risk-based capital ratio | 19.9199% | 1,596 |
Total risk-based capital ratio | 20.1980% | 1,747 |
Memoranda: | ||
Average total assets | $24,920,330 | 7,789 |
Average earning assets | $22,452,000 | 7,777 |
Average equity | $3,574,670 | 7,547 |
Average total loans | $19,018,330 | 7,392 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3414% | 1,188 |
Cost of funding earning assets | 2.9754% | 639 |
Net interest margin | 3.3660% | 5,265 |
Noninterest income to average assets | 0.0339% | 7,908 |
Noninterest expense to average assets | 2.4908% | 5,871 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.4914% | 4,462 |
Return on assets (ROA) | 0.4914% | 4,652 |
Pretax return on assets | 0.6100% | 4,728 |
Return on Equity (ROE) | 3.2479% | 5,261 |
Retained earnings to average equity (ytd only) | 3.2479% | 4,068 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.2350% | 2,959 |
Assets per employee ($millions) | 5.9538% | 1,224 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2729% | 8,051 |
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 | 76.7248% | 2,107 |
Net loans and leases to deposits | 95.4949% | 2,028 |
Net loans and leases to core deposits | 115.6822% | 2,831 |
Total domestic deposits to total assets | 80.3443% | 5,225 |
Equity capital to assets | 15.0577% | 1,087 |
Core capital (leverage) ratio | 15.0577% | 958 |
Tier 1 risk-based capital ratio | 24.1726% | 1,060 |
Total risk-based capital ratio | 24.5096% | 1,136 |
Memoranda: | ||
Average total assets | $23,607,000 | 7,880 |
Average earning assets | $21,509,500 | 7,861 |
Average equity | $3,571,500 | 7,598 |
Average total loans | $18,097,500 | 7,484 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7999% | 1,676 |
Cost of funding earning assets | 3.5676% | 435 |
Net interest margin | 3.2323% | 6,266 |
Noninterest income to average assets | 0.0322% | 7,973 |
Noninterest expense to average assets | 2.6077% | 5,623 |
Loan and lease loss provision to assets | 0.0184% | 7,157 |
Net operating income to assets | 0.4231% | 5,061 |
Return on assets (ROA) | 0.4231% | 4,879 |
Pretax return on assets | 0.4645% | 5,086 |
Return on Equity (ROE) | 2.6278% | 5,373 |
Retained earnings to average equity (ytd only) | 2.6278% | 3,553 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.4821% | 2,117 |
Assets per employee ($millions) | 5.8498% | 1,232 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2798% | 8,099 |
Loan loss allowance to noncurrent loans | 80.6452% | 4,097 |
Noncurrent assets plus other real estate owned to assets | 0.2650% | 6,521 |
Noncurrent loans to loans | 0.3469% | 6,333 |
Net loans and leases to total assets | 76.1699% | 2,573 |
Net loans and leases to deposits | 94.9294% | 2,630 |
Net loans and leases to core deposits | 116.8721% | 3,017 |
Total domestic deposits to total assets | 80.2385% | 4,929 |
Equity capital to assets | 15.2015% | 1,112 |
Core capital (leverage) ratio | 15.2015% | 980 |
Tier 1 risk-based capital ratio | 24.7461% | 1,008 |
Total risk-based capital ratio | 25.0939% | 1,083 |
Memoranda: | ||
Average total assets | $21,743,600 | 7,960 |
Average earning assets | $20,573,800 | 7,912 |
Average equity | $3,501,000 | 7,680 |
Average total loans | $18,289,800 | 7,445 |