Home > Riverstone Bank > Performance and Condition Ratios
Riverstone Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4355% | 1,249 |
Cost of funding earning assets | 1.6803% | 1,493 |
Net interest margin | 3.7552% | 1,641 |
Noninterest income to average assets | 0.3300% | 2,919 |
Noninterest expense to average assets | 2.5988% | 2,002 |
Loan and lease loss provision to assets | 0.1800% | 708 |
Net operating income to assets | 1.0710% | 2,009 |
Return on assets (ROA) | 1.0710% | 1,975 |
Pretax return on assets | 1.0953% | 2,419 |
Return on Equity (ROE) | 11.3400% | 2,137 |
Retained earnings to average equity (ytd only) | 0.8438% | 3,867 |
Net charge-offs to loans | -0.0954% | 4,487 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 66.5410% | 2,280 |
Assets per employee ($millions) | 6.2665% | 2,578 |
Cash dividends to net income (ytd only)* | 92.5566% | 344 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7863% | 3,999 |
Loan loss allowance to noncurrent loans | 908.7079% | 965 |
Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,105 |
Noncurrent loans to loans | 0.0865% | 3,112 |
Net loans and leases to total assets | 79.4300% | 710 |
Net loans and leases to deposits | 88.0687% | 1,427 |
Net loans and leases to core deposits | 99.8293% | 1,448 |
Total domestic deposits to total assets | 90.1900% | 712 |
Equity capital to assets | 9.4768% | 2,363 |
Core capital (leverage) ratio | 9.5720% | 3,186 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $499,231,600 | 1,727 |
Average earning assets | $471,692,600 | 1,704 |
Average equity | $47,167,200 | 1,673 |
Average total loans | $392,049,000 | 1,496 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3555% | 1,201 |
Cost of funding earning assets | 1.5652% | 1,442 |
Net interest margin | 3.7903% | 1,620 |
Noninterest income to average assets | 0.3300% | 2,912 |
Noninterest expense to average assets | 2.6412% | 1,824 |
Loan and lease loss provision to assets | 0.1900% | 580 |
Net operating income to assets | 1.0592% | 2,188 |
Return on assets (ROA) | 1.0592% | 2,176 |
Pretax return on assets | 1.0893% | 2,595 |
Return on Equity (ROE) | 11.2200% | 2,320 |
Retained earnings to average equity (ytd only) | 1.2055% | 3,902 |
Net charge-offs to loans | -0.1160% | 4,513 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 66.9850% | 2,148 |
Assets per employee ($millions) | 6.1440% | 2,617 |
Cash dividends to net income (ytd only)* | 89.2558% | 330 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7591% | 4,054 |
Loan loss allowance to noncurrent loans | 1,107.0896% | 816 |
Noncurrent assets plus other real estate owned to assets | 0.0539% | 3,267 |
Noncurrent loans to loans | 0.0686% | 3,270 |
Net loans and leases to total assets | 77.9400% | 893 |
Net loans and leases to deposits | 86.5517% | 1,505 |
Net loans and leases to core deposits | 97.7206% | 1,461 |
Total domestic deposits to total assets | 90.0500% | 925 |
Equity capital to assets | 9.5383% | 2,076 |
Core capital (leverage) ratio | 10.0117% | 2,815 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $495,576,000 | 1,740 |
Average earning assets | $469,014,250 | 1,712 |
Average equity | $46,784,750 | 1,676 |
Average total loans | $387,211,500 | 1,504 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1346% | 1,311 |
Cost of funding earning assets | 1.5011% | 1,240 |
Net interest margin | 3.6335% | 1,966 |
Noninterest income to average assets | 0.3300% | 2,899 |
Noninterest expense to average assets | 2.4745% | 2,277 |
Loan and lease loss provision to assets | 0.1900% | 566 |
Net operating income to assets | 1.0726% | 2,200 |
Return on assets (ROA) | 1.0726% | 2,196 |
Pretax return on assets | 1.1033% | 2,639 |
Return on Equity (ROE) | 11.4000% | 2,329 |
Retained earnings to average equity (ytd only) | 0.2878% | 4,024 |
Net charge-offs to loans | -0.0896% | 4,493 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 65.2673% | 2,341 |
Assets per employee ($millions) | 5.9780% | 2,726 |
Cash dividends to net income (ytd only)* | 97.4755% | 346 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6732% | 4,224 |
Loan loss allowance to noncurrent loans | 1,001.1673% | 958 |
Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,257 |
Noncurrent loans to loans | 0.0672% | 3,218 |
Net loans and leases to total assets | 77.4400% | 894 |
Net loans and leases to deposits | 88.5757% | 1,297 |
Net loans and leases to core deposits | 98.7468% | 1,306 |
Total domestic deposits to total assets | 87.4300% | 1,792 |
Equity capital to assets | 9.4411% | 2,199 |
Core capital (leverage) ratio | 9.9085% | 2,846 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $494,878,667 | 1,738 |
Average earning assets | $467,921,000 | 1,717 |
Average equity | $46,556,667 | 1,681 |
Average total loans | $385,996,333 | 1,494 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0031% | 1,224 |
Cost of funding earning assets | 1.2723% | 1,290 |
Net interest margin | 3.7309% | 1,828 |
Noninterest income to average assets | 0.3500% | 2,725 |
Noninterest expense to average assets | 2.5429% | 2,125 |
Loan and lease loss provision to assets | 0.1900% | 550 |
Net operating income to assets | 1.1214% | 2,161 |
Return on assets (ROA) | 1.1214% | 2,127 |
Pretax return on assets | 1.1480% | 2,582 |
Return on Equity (ROE) | 11.9400% | 2,230 |
Retained earnings to average equity (ytd only) | 4.1289% | 3,237 |
Net charge-offs to loans | 0.0062% | 1,727 |
Credit loss provision to net charge-offs | 3,833.3333% | 114 |
Earnings coverage of net charge-offs (x) | 276.1667% | 392 |
Efficiency ratio | 65.1515% | 2,306 |
Assets per employee ($millions) | 6.0706% | 2,702 |
Cash dividends to net income (ytd only)* | 65.4232% | 856 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5595% | 4,400 |
Loan loss allowance to noncurrent loans | 82.9053% | 3,462 |
Noncurrent assets plus other real estate owned to assets | 0.5306% | 977 |
Noncurrent loans to loans | 0.6748% | 1,120 |
Net loans and leases to total assets | 78.1800% | 746 |
Net loans and leases to deposits | 91.6972% | 940 |
Net loans and leases to core deposits | 94.6555% | 1,351 |
Total domestic deposits to total assets | 85.2600% | 2,792 |
Equity capital to assets | 9.5496% | 2,101 |
Core capital (leverage) ratio | 9.8991% | 2,792 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.7748% | 2,475 |
Memoranda: | ||
Average total assets | $497,218,500 | 1,748 |
Average earning assets | $470,346,000 | 1,726 |
Average equity | $46,695,000 | 1,693 |
Average total loans | $387,896,500 | 1,507 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2489% | 1,160 |
Cost of funding earning assets | 0.4557% | 1,680 |
Net interest margin | 3.7932% | 1,171 |
Noninterest income to average assets | 0.4000% | 2,691 |
Noninterest expense to average assets | 2.6356% | 1,711 |
Loan and lease loss provision to assets | 0.2100% | 483 |
Net operating income to assets | 1.0893% | 2,224 |
Return on assets (ROA) | 1.0832% | 2,188 |
Pretax return on assets | 1.1233% | 2,699 |
Return on Equity (ROE) | 11.1900% | 2,409 |
Retained earnings to average equity (ytd only) | 3.3553% | 3,607 |
Net charge-offs to loans | -0.0120% | 3,889 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 65.8013% | 2,262 |
Assets per employee ($millions) | 6.2064% | 2,586 |
Cash dividends to net income (ytd only)* | 70.0209% | 658 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4982% | 4,432 |
Loan loss allowance to noncurrent loans | 81.5048% | 3,465 |
Noncurrent assets plus other real estate owned to assets | 0.4732% | 1,070 |
Noncurrent loans to loans | 0.6113% | 1,220 |
Net loans and leases to total assets | 77.0300% | 889 |
Net loans and leases to deposits | 92.9590% | 850 |
Net loans and leases to core deposits | 96.2678% | 1,191 |
Total domestic deposits to total assets | 82.8600% | 3,448 |
Equity capital to assets | 9.2363% | 2,203 |
Core capital (leverage) ratio | 9.7699% | 2,878 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $486,258,800 | 1,754 |
Average earning assets | $458,428,600 | 1,731 |
Average equity | $47,059,600 | 1,700 |
Average total loans | $357,130,600 | 1,527 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0310% | 1,202 |
Cost of funding earning assets | 0.3223% | 1,940 |
Net interest margin | 3.7087% | 1,116 |
Noninterest income to average assets | 0.4200% | 2,617 |
Noninterest expense to average assets | 2.5743% | 1,779 |
Loan and lease loss provision to assets | 0.1800% | 519 |
Net operating income to assets | 1.1274% | 1,977 |
Return on assets (ROA) | 1.1249% | 1,954 |
Pretax return on assets | 1.1570% | 2,533 |
Return on Equity (ROE) | 11.4900% | 2,205 |
Retained earnings to average equity (ytd only) | 4.2442% | 3,362 |
Net charge-offs to loans | -0.1150% | 4,528 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 65.2238% | 2,383 |
Assets per employee ($millions) | 5.7634% | 2,976 |
Cash dividends to net income (ytd only)* | 63.0531% | 793 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4890% | 4,482 |
Loan loss allowance to noncurrent loans | 106.5230% | 3,320 |
Noncurrent assets plus other real estate owned to assets | 0.3547% | 1,528 |
Noncurrent loans to loans | 0.4590% | 1,654 |
Net loans and leases to total assets | 76.8900% | 814 |
Net loans and leases to deposits | 86.5394% | 1,136 |
Net loans and leases to core deposits | 90.6258% | 1,262 |
Total domestic deposits to total assets | 88.8400% | 2,156 |
Equity capital to assets | 9.5930% | 1,834 |
Core capital (leverage) ratio | 10.0748% | 2,476 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $482,143,250 | 1,778 |
Average earning assets | $454,265,750 | 1,755 |
Average equity | $47,216,250 | 1,713 |
Average total loans | $349,117,250 | 1,541 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8140% | 1,283 |
Cost of funding earning assets | 0.3004% | 1,711 |
Net interest margin | 3.5136% | 1,282 |
Noninterest income to average assets | 0.4515% | 2,435 |
Noninterest expense to average assets | 2.5700% | 1,724 |
Loan and lease loss provision to assets | 0.1828% | 483 |
Net operating income to assets | 0.9660% | 2,288 |
Return on assets (ROA) | 0.9629% | 2,276 |
Pretax return on assets | 0.9990% | 2,742 |
Return on Equity (ROE) | 9.7653% | 2,419 |
Retained earnings to average equity (ytd only) | 3.0290% | 3,436 |
Net charge-offs to loans | -0.1602% | 4,548 |
Credit loss provision to net charge-offs | -161.1722% | 3,180 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.9204% | 2,256 |
Assets per employee ($millions) | 5.2945% | 3,435 |
Cash dividends to net income (ytd only)* | 68.9819% | 850 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4428% | 4,596 |
Loan loss allowance to noncurrent loans | 167.6564% | 2,884 |
Noncurrent assets plus other real estate owned to assets | 0.1979% | 2,344 |
Noncurrent loans to loans | 0.2641% | 2,422 |
Net loans and leases to total assets | 74.5931% | 854 |
Net loans and leases to deposits | 82.8904% | 1,191 |
Net loans and leases to core deposits | 87.9733% | 1,224 |
Total domestic deposits to total assets | 89.9901% | 1,708 |
Equity capital to assets | 9.8540% | 1,797 |
Core capital (leverage) ratio | 9.9319% | 2,473 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $481,483,667 | 1,789 |
Average earning assets | $452,703,667 | 1,777 |
Average equity | $47,474,333 | 1,747 |
Average total loans | $340,806,667 | 1,558 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5631% | 1,609 |
Cost of funding earning assets | 0.3130% | 1,534 |
Net interest margin | 3.2501% | 1,719 |
Noninterest income to average assets | 0.5009% | 2,134 |
Noninterest expense to average assets | 2.5192% | 1,839 |
Loan and lease loss provision to assets | 0.1818% | 421 |
Net operating income to assets | 0.8005% | 2,655 |
Return on assets (ROA) | 0.7943% | 2,675 |
Pretax return on assets | 0.8397% | 2,977 |
Return on Equity (ROE) | 8.0530% | 2,671 |
Retained earnings to average equity (ytd only) | 1.8938% | 3,576 |
Net charge-offs to loans | -0.0156% | 3,784 |
Credit loss provision to net charge-offs | -1,692.3077% | 3,361 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.4800% | 2,162 |
Assets per employee ($millions) | 5.3764% | 3,419 |
Cash dividends to net income (ytd only)* | 76.4828% | 749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3230% | 4,676 |
Loan loss allowance to noncurrent loans | 95.7391% | 3,424 |
Noncurrent assets plus other real estate owned to assets | 0.2351% | 2,235 |
Noncurrent loans to loans | 0.3374% | 2,275 |
Net loans and leases to total assets | 69.4390% | 1,069 |
Net loans and leases to deposits | 77.0809% | 1,356 |
Net loans and leases to core deposits | 82.3005% | 1,335 |
Total domestic deposits to total assets | 90.0859% | 1,509 |
Equity capital to assets | 9.7714% | 2,076 |
Core capital (leverage) ratio | 9.7091% | 2,583 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $483,971,000 | 1,787 |
Average earning assets | $453,654,000 | 1,775 |
Average equity | $47,734,000 | 1,798 |
Average total loans | $332,698,000 | 1,580 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2789% | 874 |
Cost of funding earning assets | 0.6452% | 432 |
Net interest margin | 3.6338% | 1,382 |
Noninterest income to average assets | 3.6482% | 152 |
Noninterest expense to average assets | 2.0061% | 3,657 |
Loan and lease loss provision to assets | 0.0904% | 1,376 |
Net operating income to assets | 4.9472% | 44 |
Return on assets (ROA) | 4.9477% | 45 |
Pretax return on assets | 4.9529% | 57 |
Return on Equity (ROE) | 52.4384% | 13 |
Retained earnings to average equity (ytd only) | 44.6831% | 6 |
Net charge-offs to loans | 0.0167% | 1,958 |
Credit loss provision to net charge-offs | 720.8333% | 650 |
Earnings coverage of net charge-offs (x) | 402.2917% | 326 |
Efficiency ratio | 28.2676% | 4,799 |
Assets per employee ($millions) | 5.4895% | 3,266 |
Cash dividends to net income (ytd only)* | 14.7894% | 3,200 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2674% | 4,741 |
Loan loss allowance to noncurrent loans | 421.3592% | 1,634 |
Noncurrent assets plus other real estate owned to assets | 0.0417% | 3,714 |
Noncurrent loans to loans | 0.0635% | 3,628 |
Net loans and leases to total assets | 65.5171% | 1,530 |
Net loans and leases to deposits | 77.3613% | 1,462 |
Net loans and leases to core deposits | 82.3871% | 1,433 |
Total domestic deposits to total assets | 84.6897% | 3,363 |
Equity capital to assets | 9.6468% | 2,995 |
Core capital (leverage) ratio | 9.4247% | 2,943 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $191,463,400 | 3,121 |
Average earning assets | $179,179,600 | 3,101 |
Average equity | $18,065,000 | 3,378 |
Average total loans | $143,708,800 | 2,692 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3949% | 175 |
Cost of funding earning assets | 0.9380% | 112 |
Net interest margin | 4.4569% | 337 |
Noninterest income to average assets | 0.0587% | 4,786 |
Noninterest expense to average assets | 1.9041% | 3,936 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 2.4706% | 221 |
Return on assets (ROA) | 2.4590% | 230 |
Pretax return on assets | 2.4590% | 361 |
Return on Equity (ROE) | 26.7010% | 133 |
Retained earnings to average equity (ytd only) | 14.9131% | 412 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.2632% | 4,612 |
Assets per employee ($millions) | 9.0282% | 887 |
Cash dividends to net income (ytd only)* | 44.1479% | 1,439 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6657% | 4,560 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
Noncurrent loans to loans | 0.0000% | 4,237 |
Net loans and leases to total assets | 91.4081% | 13 |
Net loans and leases to deposits | 102.8827% | 174 |
Net loans and leases to core deposits | 109.6717% | 331 |
Total domestic deposits to total assets | 88.8469% | 1,375 |
Equity capital to assets | 9.7158% | 3,178 |
Core capital (leverage) ratio | 9.7020% | 2,814 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.8552% | 2,994 |
Memoranda: | ||
Average total assets | $115,814,500 | 3,892 |
Average earning assets | $112,153,500 | 3,829 |
Average equity | $10,666,000 | 4,124 |
Average total loans | $98,495,750 | 3,262 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2119% | 250 |
Cost of funding earning assets | 0.9561% | 134 |
Net interest margin | 4.2558% | 529 |
Noninterest income to average assets | 0.0607% | 4,814 |
Noninterest expense to average assets | 1.9324% | 3,885 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 2.2516% | 306 |
Return on assets (ROA) | 2.2238% | 345 |
Pretax return on assets | 2.2238% | 553 |
Return on Equity (ROE) | 24.6057% | 210 |
Retained earnings to average equity (ytd only) | 12.5908% | 793 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.8955% | 4,520 |
Assets per employee ($millions) | 9.4551% | 727 |
Cash dividends to net income (ytd only)* | 48.8300% | 1,278 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7147% | 4,511 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 88.0311% | 43 |
Net loans and leases to deposits | 97.5058% | 334 |
Net loans and leases to core deposits | 104.6104% | 514 |
Total domestic deposits to total assets | 90.2830% | 653 |
Equity capital to assets | 9.5892% | 3,261 |
Core capital (leverage) ratio | 9.3478% | 3,075 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.3815% | 2,886 |
Memoranda: | ||
Average total assets | $115,297,333 | 3,913 |
Average earning assets | $111,705,333 | 3,840 |
Average equity | $10,420,333 | 4,159 |
Average total loans | $95,327,333 | 3,319 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5014% | 773 |
Cost of funding earning assets | 0.9798% | 153 |
Net interest margin | 3.5216% | 1,772 |
Noninterest income to average assets | 0.0551% | 4,839 |
Noninterest expense to average assets | 1.8689% | 4,058 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.6005% | 1,129 |
Return on assets (ROA) | 1.5695% | 1,238 |
Pretax return on assets | 1.5695% | 1,804 |
Return on Equity (ROE) | 17.8990% | 743 |
Retained earnings to average equity (ytd only) | -1.2168% | 4,485 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.5714% | 3,836 |
Assets per employee ($millions) | 8.7547% | 900 |
Cash dividends to net income (ytd only)* | 106.7982% | 375 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7712% | 4,454 |
Loan loss allowance to noncurrent loans | 144.9597% | 2,823 |
Noncurrent assets plus other real estate owned to assets | 0.4358% | 2,089 |
Noncurrent loans to loans | 0.5320% | 2,259 |
Net loans and leases to total assets | 81.2848% | 261 |
Net loans and leases to deposits | 89.3956% | 735 |
Net loans and leases to core deposits | 95.8177% | 893 |
Total domestic deposits to total assets | 90.9271% | 429 |
Equity capital to assets | 8.9306% | 3,752 |
Core capital (leverage) ratio | 8.4265% | 4,193 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.5800% | 2,796 |
Memoranda: | ||
Average total assets | $116,215,500 | 3,903 |
Average earning assets | $112,675,000 | 3,830 |
Average equity | $10,190,500 | 4,193 |
Average total loans | $92,691,000 | 3,370 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0677% | 85 |
Cost of funding earning assets | 1.3583% | 145 |
Net interest margin | 4.7095% | 212 |
Noninterest income to average assets | 0.0205% | 4,919 |
Noninterest expense to average assets | 1.7340% | 4,568 |
Loan and lease loss provision to assets | 0.1537% | 2,452 |
Net operating income to assets | 2.6752% | 120 |
Return on assets (ROA) | 2.6778% | 124 |
Pretax return on assets | 2.6778% | 156 |
Return on Equity (ROE) | 34.0876% | 50 |
Retained earnings to average equity (ytd only) | 31.7401% | 25 |
Net charge-offs to loans | -0.1706% | 4,876 |
Credit loss provision to net charge-offs | -112.1495% | 3,743 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.8614% | 4,915 |
Assets per employee ($millions) | 9.8850% | 553 |
Cash dividends to net income (ytd only)* | 6.8867% | 3,618 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7802% | 4,460 |
Loan loss allowance to noncurrent loans | 63.5159% | 3,829 |
Noncurrent assets plus other real estate owned to assets | 0.9543% | 1,012 |
Noncurrent loans to loans | 1.2284% | 1,136 |
Net loans and leases to total assets | 77.0806% | 690 |
Net loans and leases to deposits | 89.4062% | 970 |
Net loans and leases to core deposits | 94.8928% | 1,188 |
Total domestic deposits to total assets | 86.2140% | 2,270 |
Equity capital to assets | 8.6132% | 4,362 |
Core capital (leverage) ratio | 8.3332% | 4,377 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.5236% | 2,798 |
Memoranda: | ||
Average total assets | $78,086,200 | 4,266 |
Average earning assets | $75,316,400 | 4,218 |
Average equity | $6,134,200 | 4,632 |
Average total loans | $62,733,600 | 3,872 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0608% | 2,789 |
Cost of funding earning assets | 1.3305% | 214 |
Net interest margin | 2.7303% | 4,425 |
Noninterest income to average assets | 0.0137% | 4,964 |
Noninterest expense to average assets | 1.4461% | 4,842 |
Loan and lease loss provision to assets | 0.0692% | 3,464 |
Net operating income to assets | 1.1282% | 1,886 |
Return on assets (ROA) | 1.1321% | 1,995 |
Pretax return on assets | 1.1321% | 2,635 |
Return on Equity (ROE) | 15.0448% | 683 |
Retained earnings to average equity (ytd only) | 15.0448% | 198 |
Net charge-offs to loans | 0.0048% | 2,970 |
Credit loss provision to net charge-offs | 1,750.0000% | 540 |
Earnings coverage of net charge-offs (x) | 305.0000% | 353 |
Efficiency ratio | 54.7142% | 4,071 |
Assets per employee ($millions) | 12.7741% | 278 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5777% | 4,753 |
Loan loss allowance to noncurrent loans | 37.3845% | 4,219 |
Noncurrent assets plus other real estate owned to assets | 1.2238% | 808 |
Noncurrent loans to loans | 1.5454% | 917 |
Net loans and leases to total assets | 78.7356% | 746 |
Net loans and leases to deposits | 90.5173% | 1,222 |
Net loans and leases to core deposits | 97.2884% | 1,357 |
Total domestic deposits to total assets | 86.9841% | 1,677 |
Equity capital to assets | 7.6665% | 4,818 |
Core capital (leverage) ratio | 7.7592% | 4,798 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.9687% | 3,096 |
Memoranda: | ||
Average total assets | $67,952,750 | 4,422 |
Average earning assets | $65,437,000 | 4,375 |
Average equity | $5,113,500 | 4,760 |
Average total loans | $55,379,000 | 4,014 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5604% | 1,757 |
Cost of funding earning assets | 1.7032% | 76 |
Net interest margin | 2.8572% | 4,376 |
Noninterest income to average assets | 1.0176% | 951 |
Noninterest expense to average assets | 1.7712% | 4,599 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 2.0313% | 312 |
Return on assets (ROA) | 2.0313% | 347 |
Pretax return on assets | 1.9931% | 554 |
Return on Equity (ROE) | 27.3711% | 85 |
Retained earnings to average equity (ytd only) | 27.3711% | 36 |
Net charge-offs to loans | 0.0092% | 2,612 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | 260.5000% | 359 |
Efficiency ratio | 46.8496% | 4,682 |
Assets per employee ($millions) | 10.9380% | 391 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0818% | 3,162 |
Loan loss allowance to noncurrent loans | 65.9060% | 3,792 |
Noncurrent assets plus other real estate owned to assets | 1.3622% | 733 |
Noncurrent loans to loans | 1.6415% | 893 |
Net loans and leases to total assets | 82.0900% | 405 |
Net loans and leases to deposits | 93.2012% | 1,029 |
Net loans and leases to core deposits | 106.5630% | 873 |
Total domestic deposits to total assets | 88.0783% | 1,132 |
Equity capital to assets | 8.0490% | 4,694 |
Core capital (leverage) ratio | 8.0701% | 4,709 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.0998% | 3,153 |
Memoranda: | ||
Average total assets | $52,281,333 | 4,656 |
Average earning assets | $50,259,000 | 4,615 |
Average equity | $3,880,000 | 4,908 |
Average total loans | $43,490,000 | 4,279 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6821% | 1,764 |
Cost of funding earning assets | 1.7629% | 102 |
Net interest margin | 2.9191% | 4,404 |
Noninterest income to average assets | 0.0157% | 5,031 |
Noninterest expense to average assets | 1.7151% | 4,759 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.2060% | 1,496 |
Return on assets (ROA) | 1.2060% | 1,609 |
Pretax return on assets | 1.0886% | 2,560 |
Return on Equity (ROE) | 17.0213% | 337 |
Retained earnings to average equity (ytd only) | 17.0213% | 112 |
Net charge-offs to loans | 0.0188% | 1,993 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | 69.5000% | 729 |
Efficiency ratio | 60.6145% | 3,661 |
Assets per employee ($millions) | 10.2064% | 364 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1574% | 2,898 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 82.1641% | 423 |
Net loans and leases to deposits | 89.1596% | 1,614 |
Net loans and leases to core deposits | 101.9946% | 1,321 |
Total domestic deposits to total assets | 92.1539% | 29 |
Equity capital to assets | 7.6697% | 5,018 |
Core capital (leverage) ratio | 7.8048% | 5,007 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 10.6049% | 3,370 |
Memoranda: | ||
Average total assets | $51,077,000 | 4,696 |
Average earning assets | $48,782,000 | 4,658 |
Average equity | $3,619,000 | 4,969 |
Average total loans | $42,542,000 | 4,316 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1527% | 1,102 |
Cost of funding earning assets | 1.6657% | 221 |
Net interest margin | 3.4871% | 3,490 |
Noninterest income to average assets | 0.0166% | 5,100 |
Noninterest expense to average assets | 1.6622% | 4,909 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.6643% | 719 |
Return on assets (ROA) | 1.6643% | 764 |
Pretax return on assets | 1.6996% | 1,187 |
Return on Equity (ROE) | 19.4208% | 245 |
Retained earnings to average equity (ytd only) | -1.8888% | 4,867 |
Net charge-offs to loans | 0.0000% | 3,726 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.0864% | 4,830 |
Assets per employee ($millions) | 10.3870% | 331 |
Cash dividends to net income (ytd only)* | 109.7257% | 224 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1325% | 2,775 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,619 |
Net loans and leases to total assets | 82.7015% | 465 |
Net loans and leases to deposits | 90.0195% | 1,589 |
Net loans and leases to core deposits | 102.9087% | 1,322 |
Total domestic deposits to total assets | 91.8706% | 46 |
Equity capital to assets | 7.9657% | 5,061 |
Core capital (leverage) ratio | 8.1232% | 5,000 |
Tier 1 risk-based capital ratio | 9.5517% | 5,155 |
Total risk-based capital ratio | 10.7047% | 5,143 |
Memoranda: | ||
Average total assets | $48,188,400 | 4,781 |
Average earning assets | $46,228,000 | 4,748 |
Average equity | $4,129,600 | 4,978 |
Average total loans | $42,787,600 | 4,344 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1959% | 1,048 |
Cost of funding earning assets | 1.6213% | 271 |
Net interest margin | 3.5745% | 3,316 |
Noninterest income to average assets | 0.0169% | 5,177 |
Noninterest expense to average assets | 1.5858% | 5,016 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.8228% | 586 |
Return on assets (ROA) | 1.8228% | 619 |
Pretax return on assets | 1.8651% | 947 |
Return on Equity (ROE) | 20.8663% | 201 |
Retained earnings to average equity (ytd only) | -6.7187% | 5,102 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.3990% | 4,997 |
Assets per employee ($millions) | 9.7432% | 376 |
Cash dividends to net income (ytd only)* | 132.1986% | 154 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1681% | 2,666 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 85.4463% | 227 |
Net loans and leases to deposits | 93.3444% | 1,286 |
Net loans and leases to core deposits | 106.5339% | 1,147 |
Total domestic deposits to total assets | 91.5387% | 57 |
Equity capital to assets | 8.2334% | 5,082 |
Core capital (leverage) ratio | 8.3545% | 5,006 |
Tier 1 risk-based capital ratio | 9.5954% | 5,228 |
Total risk-based capital ratio | 10.7918% | 5,208 |
Memoranda: | ||
Average total assets | $47,251,750 | 4,865 |
Average earning assets | $45,394,000 | 4,825 |
Average equity | $4,127,750 | 5,049 |
Average total loans | $42,623,750 | 4,401 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1237% | 1,163 |
Cost of funding earning assets | 1.5639% | 309 |
Net interest margin | 3.5599% | 3,402 |
Noninterest income to average assets | 0.0128% | 5,232 |
Noninterest expense to average assets | 1.5739% | 5,075 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.8134% | 574 |
Return on assets (ROA) | 1.8134% | 597 |
Pretax return on assets | 1.8561% | 926 |
Return on Equity (ROE) | 20.3520% | 233 |
Retained earnings to average equity (ytd only) | 1.2960% | 4,354 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.5162% | 5,081 |
Assets per employee ($millions) | 11.8513% | 216 |
Cash dividends to net income (ytd only)* | 93.6321% | 542 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1257% | 2,931 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 91.1613% | 35 |
Net loans and leases to deposits | 102.6875% | 497 |
Net loans and leases to core deposits | 118.1222% | 595 |
Total domestic deposits to total assets | 88.7754% | 754 |
Equity capital to assets | 8.9168% | 4,842 |
Core capital (leverage) ratio | 9.0927% | 4,558 |
Tier 1 risk-based capital ratio | 10.0379% | 5,222 |
Total risk-based capital ratio | 11.2194% | 5,175 |
Memoranda: | ||
Average total assets | $46,763,670 | 4,915 |
Average earning assets | $44,889,000 | 4,875 |
Average equity | $4,166,670 | 5,080 |
Average total loans | $42,792,330 | 4,427 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0325% | 1,257 |
Cost of funding earning assets | 1.4686% | 363 |
Net interest margin | 3.5640% | 3,386 |
Noninterest income to average assets | 0.0172% | 5,282 |
Noninterest expense to average assets | 1.5675% | 5,124 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.8345% | 523 |
Return on assets (ROA) | 1.8345% | 537 |
Pretax return on assets | 1.8776% | 833 |
Return on Equity (ROE) | 20.5971% | 233 |
Retained earnings to average equity (ytd only) | -0.7736% | 4,623 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.7500% | 5,141 |
Assets per employee ($millions) | 11.3548% | 240 |
Cash dividends to net income (ytd only)* | 103.7559% | 582 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1784% | 2,697 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 90.8408% | 38 |
Net loans and leases to deposits | 100.2040% | 620 |
Net loans and leases to core deposits | 114.7805% | 696 |
Total domestic deposits to total assets | 90.6559% | 241 |
Equity capital to assets | 9.1548% | 4,573 |
Core capital (leverage) ratio | 9.1801% | 4,493 |
Tier 1 risk-based capital ratio | 10.3684% | 5,203 |
Total risk-based capital ratio | 11.5988% | 5,140 |
Memoranda: | ||
Average total assets | $46,443,000 | 4,970 |
Average earning assets | $44,669,500 | 4,930 |
Average equity | $4,136,500 | 5,132 |
Average total loans | $42,335,000 | 4,483 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0565% | 937 |
Cost of funding earning assets | 1.4072% | 137 |
Net interest margin | 3.6493% | 3,225 |
Noninterest income to average assets | 0.0358% | 5,296 |
Noninterest expense to average assets | 1.5280% | 5,207 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 1.8885% | 461 |
Return on assets (ROA) | 1.8885% | 457 |
Pretax return on assets | 1.9348% | 656 |
Return on Equity (ROE) | 22.2897% | 146 |
Retained earnings to average equity (ytd only) | 4.4032% | 3,112 |
Net charge-offs to loans | 0.0000% | 3,782 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.5703% | 5,252 |
Assets per employee ($millions) | 11.8668% | 208 |
Cash dividends to net income (ytd only)* | 80.2455% | 702 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1463% | 2,847 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 89.3821% | 72 |
Net loans and leases to deposits | 98.0065% | 904 |
Net loans and leases to core deposits | 111.4096% | 912 |
Total domestic deposits to total assets | 91.2002% | 165 |
Equity capital to assets | 8.6692% | 4,829 |
Core capital (leverage) ratio | 8.7809% | 4,823 |
Tier 1 risk-based capital ratio | 9.9461% | 5,319 |
Total risk-based capital ratio | 11.1241% | 5,293 |
Memoranda: | ||
Average total assets | $47,446,200 | 4,986 |
Average earning assets | $44,556,600 | 4,964 |
Average equity | $4,019,800 | 5,175 |
Average total loans | $43,415,000 | 4,463 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0443% | 855 |
Cost of funding earning assets | 1.3590% | 124 |
Net interest margin | 3.6853% | 3,071 |
Noninterest income to average assets | 0.0422% | 5,358 |
Noninterest expense to average assets | 1.4980% | 5,278 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.9336% | 446 |
Return on assets (ROA) | 1.9336% | 447 |
Pretax return on assets | 1.9814% | 650 |
Return on Equity (ROE) | 22.9557% | 133 |
Retained earnings to average equity (ytd only) | 3.5701% | 3,983 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.3877% | 5,323 |
Assets per employee ($millions) | 11.5798% | 218 |
Cash dividends to net income (ytd only)* | 84.4480% | 487 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1629% | 2,831 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | 0.0000% | 4,954 |
Net loans and leases to total assets | 90.2804% | 64 |
Net loans and leases to deposits | 99.0924% | 854 |
Net loans and leases to core deposits | 116.1196% | 708 |
Total domestic deposits to total assets | 91.1073% | 193 |
Equity capital to assets | 8.6833% | 4,809 |
Core capital (leverage) ratio | 8.8598% | 4,840 |
Tier 1 risk-based capital ratio | 10.0403% | 5,373 |
Total risk-based capital ratio | 11.2499% | 5,332 |
Memoranda: | ||
Average total assets | $47,441,000 | 5,040 |
Average earning assets | $44,246,750 | 5,024 |
Average equity | $3,996,000 | 5,242 |
Average total loans | $43,539,000 | 4,512 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9658% | 881 |
Cost of funding earning assets | 1.2582% | 145 |
Net interest margin | 3.7076% | 2,895 |
Noninterest income to average assets | 0.0544% | 5,394 |
Noninterest expense to average assets | 1.4849% | 5,352 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.9868% | 390 |
Return on assets (ROA) | 1.9868% | 386 |
Pretax return on assets | 2.0328% | 565 |
Return on Equity (ROE) | 23.8255% | 114 |
Retained earnings to average equity (ytd only) | 2.8089% | 4,131 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.5957% | 5,410 |
Assets per employee ($millions) | 11.4803% | 218 |
Cash dividends to net income (ytd only)* | 88.2105% | 545 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1604% | 2,932 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 91.2567% | 45 |
Net loans and leases to deposits | 100.1458% | 797 |
Net loans and leases to core deposits | 111.2332% | 921 |
Total domestic deposits to total assets | 91.1239% | 220 |
Equity capital to assets | 8.7063% | 4,797 |
Core capital (leverage) ratio | 9.0369% | 4,662 |
Tier 1 risk-based capital ratio | 9.9674% | 5,439 |
Total risk-based capital ratio | 11.1833% | 5,393 |
Memoranda: | ||
Average total assets | $47,815,000 | 5,090 |
Average earning assets | $44,665,330 | 5,075 |
Average equity | $3,987,330 | 5,298 |
Average total loans | $43,949,000 | 4,544 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9555% | 769 |
Cost of funding earning assets | 1.1266% | 196 |
Net interest margin | 3.8288% | 2,308 |
Noninterest income to average assets | 0.0082% | 5,550 |
Noninterest expense to average assets | 1.5094% | 5,384 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 2.0180% | 359 |
Return on assets (ROA) | 2.0180% | 359 |
Pretax return on assets | 2.0672% | 508 |
Return on Equity (ROE) | 24.7112% | 89 |
Retained earnings to average equity (ytd only) | 5.5249% | 2,938 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.6789% | 5,463 |
Assets per employee ($millions) | 11.8628% | 200 |
Cash dividends to net income (ytd only)* | 77.6423% | 875 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1394% | 3,148 |
Loan loss allowance to noncurrent loans | 647.3684% | 870 |
Noncurrent assets plus other real estate owned to assets | 0.1602% | 4,281 |
Noncurrent loans to loans | 0.1760% | 4,189 |
Net loans and leases to total assets | 89.9602% | 63 |
Net loans and leases to deposits | 103.1336% | 527 |
Net loans and leases to core deposits | 112.5682% | 862 |
Total domestic deposits to total assets | 87.2268% | 2,028 |
Equity capital to assets | 8.4150% | 5,038 |
Core capital (leverage) ratio | 8.4121% | 5,193 |
Tier 1 risk-based capital ratio | 9.8105% | 5,532 |
Total risk-based capital ratio | 11.0076% | 5,508 |
Memoranda: | ||
Average total assets | $48,762,000 | 5,130 |
Average earning assets | $45,444,500 | 5,122 |
Average equity | $3,982,000 | 5,357 |
Average total loans | $44,724,500 | 4,573 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7997% | 976 |
Cost of funding earning assets | 1.0048% | 207 |
Net interest margin | 3.7949% | 2,444 |
Noninterest income to average assets | 0.0155% | 5,590 |
Noninterest expense to average assets | 1.6167% | 5,402 |
Loan and lease loss provision to assets | 0.0553% | 3,125 |
Net operating income to assets | 1.8868% | 349 |
Return on assets (ROA) | 1.8976% | 352 |
Pretax return on assets | 1.9462% | 550 |
Return on Equity (ROE) | 22.5481% | 111 |
Retained earnings to average equity (ytd only) | 5.9918% | 1,546 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.8952% | 5,513 |
Assets per employee ($millions) | 12.5183% | 161 |
Cash dividends to net income (ytd only)* | 73.4266% | 1,093 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0633% | 3,526 |
Loan loss allowance to noncurrent loans | 638.9610% | 904 |
Noncurrent assets plus other real estate owned to assets | 0.1538% | 4,365 |
Noncurrent loans to loans | 0.1664% | 4,260 |
Net loans and leases to total assets | 91.4225% | 44 |
Net loans and leases to deposits | 109.5561% | 281 |
Net loans and leases to core deposits | 119.4687% | 604 |
Total domestic deposits to total assets | 83.4482% | 3,403 |
Equity capital to assets | 7.9304% | 5,419 |
Core capital (leverage) ratio | 8.4407% | 5,185 |
Tier 1 risk-based capital ratio | 9.0739% | 5,632 |
Total risk-based capital ratio | 10.1964% | 5,629 |
Memoranda: | ||
Average total assets | $45,215,800 | 5,249 |
Average earning assets | $42,794,200 | 5,214 |
Average equity | $3,805,200 | 5,448 |
Average total loans | $41,918,800 | 4,668 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7434% | 1,050 |
Cost of funding earning assets | 1.0062% | 189 |
Net interest margin | 3.7372% | 2,629 |
Noninterest income to average assets | 0.0152% | 5,660 |
Noninterest expense to average assets | 1.6211% | 5,434 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 1.8911% | 394 |
Return on assets (ROA) | 1.9060% | 390 |
Pretax return on assets | 1.9544% | 600 |
Return on Equity (ROE) | 22.2823% | 133 |
Retained earnings to average equity (ytd only) | 5.0657% | 2,846 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.9362% | 5,559 |
Assets per employee ($millions) | 11.3418% | 211 |
Cash dividends to net income (ytd only)* | 77.2647% | 728 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0777% | 3,616 |
Loan loss allowance to noncurrent loans | 598.7179% | 893 |
Noncurrent assets plus other real estate owned to assets | 0.1719% | 4,416 |
Noncurrent loans to loans | 0.1800% | 4,345 |
Net loans and leases to total assets | 94.4872% | 5 |
Net loans and leases to deposits | 106.7593% | 380 |
Net loans and leases to core deposits | 111.0259% | 978 |
Total domestic deposits to total assets | 88.5049% | 1,119 |
Equity capital to assets | 8.5657% | 5,245 |
Core capital (leverage) ratio | 8.8804% | 4,888 |
Tier 1 risk-based capital ratio | 9.4139% | 5,678 |
Total risk-based capital ratio | 10.5435% | 5,677 |
Memoranda: | ||
Average total assets | $44,001,500 | 5,333 |
Average earning assets | $41,741,250 | 5,293 |
Average equity | $3,763,750 | 5,512 |
Average total loans | $40,831,000 | 4,753 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7806% | 895 |
Cost of funding earning assets | 1.0157% | 165 |
Net interest margin | 3.7649% | 2,426 |
Noninterest income to average assets | 0.0138% | 5,707 |
Noninterest expense to average assets | 1.6442% | 5,463 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 1.8601% | 402 |
Return on assets (ROA) | 1.8601% | 413 |
Pretax return on assets | 1.9106% | 631 |
Return on Equity (ROE) | 21.7566% | 147 |
Retained earnings to average equity (ytd only) | 3.8678% | 3,392 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.4729% | 5,590 |
Assets per employee ($millions) | 10.9458% | 227 |
Cash dividends to net income (ytd only)* | 82.2222% | 800 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1783% | 3,145 |
Loan loss allowance to noncurrent loans | 576.5432% | 914 |
Noncurrent assets plus other real estate owned to assets | 0.1850% | 4,436 |
Noncurrent loans to loans | 0.2044% | 4,302 |
Net loans and leases to total assets | 89.4525% | 94 |
Net loans and leases to deposits | 98.1800% | 879 |
Net loans and leases to core deposits | 102.1305% | 1,498 |
Total domestic deposits to total assets | 91.1107% | 197 |
Equity capital to assets | 8.7089% | 5,134 |
Core capital (leverage) ratio | 8.8302% | 4,915 |
Tier 1 risk-based capital ratio | 10.0584% | 5,611 |
Total risk-based capital ratio | 11.2878% | 5,569 |
Memoranda: | ||
Average total assets | $43,546,330 | 5,379 |
Average earning assets | $40,957,000 | 5,351 |
Average equity | $3,723,000 | 5,559 |
Average total loans | $39,997,000 | 4,808 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7391% | 865 |
Cost of funding earning assets | 1.0003% | 165 |
Net interest margin | 3.7388% | 2,362 |
Noninterest income to average assets | 0.0092% | 5,795 |
Noninterest expense to average assets | 1.6027% | 5,554 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.8974% | 369 |
Return on assets (ROA) | 1.8974% | 382 |
Pretax return on assets | 1.9527% | 555 |
Return on Equity (ROE) | 22.4035% | 139 |
Retained earnings to average equity (ytd only) | 1.4138% | 4,537 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.1554% | 5,695 |
Assets per employee ($millions) | 10.7770% | 237 |
Cash dividends to net income (ytd only)* | 93.6893% | 777 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2008% | 3,132 |
Loan loss allowance to noncurrent loans | 697.0149% | 800 |
Noncurrent assets plus other real estate owned to assets | 0.1554% | 4,635 |
Noncurrent loans to loans | 0.1723% | 4,502 |
Net loans and leases to total assets | 89.1319% | 77 |
Net loans and leases to deposits | 97.6541% | 799 |
Net loans and leases to core deposits | 101.6401% | 1,393 |
Total domestic deposits to total assets | 91.2731% | 218 |
Equity capital to assets | 8.5576% | 5,196 |
Core capital (leverage) ratio | 8.6340% | 5,117 |
Tier 1 risk-based capital ratio | 10.1547% | 5,665 |
Total risk-based capital ratio | 11.4044% | 5,615 |
Memoranda: | ||
Average total assets | $43,428,000 | 5,436 |
Average earning assets | $41,189,500 | 5,402 |
Average equity | $3,678,000 | 5,623 |
Average total loans | $40,179,500 | 4,844 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6867% | 1,086 |
Cost of funding earning assets | 1.0209% | 152 |
Net interest margin | 3.6658% | 2,836 |
Noninterest income to average assets | 0.0205% | 5,824 |
Noninterest expense to average assets | 1.6620% | 5,594 |
Loan and lease loss provision to assets | 0.0547% | 3,283 |
Net operating income to assets | 1.7846% | 460 |
Return on assets (ROA) | 1.9812% | 348 |
Pretax return on assets | 2.0245% | 469 |
Return on Equity (ROE) | 23.6940% | 99 |
Retained earnings to average equity (ytd only) | 5.5077% | 2,009 |
Net charge-offs to loans | 0.0000% | 4,281 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.9833% | 5,747 |
Assets per employee ($millions) | 10.9370% | 232 |
Cash dividends to net income (ytd only)* | 76.7549% | 1,033 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1261% | 3,564 |
Loan loss allowance to noncurrent loans | 530.6818% | 1,019 |
Noncurrent assets plus other real estate owned to assets | 0.2012% | 4,520 |
Noncurrent loans to loans | 0.2122% | 4,389 |
Net loans and leases to total assets | 93.7231% | 13 |
Net loans and leases to deposits | 107.5293% | 288 |
Net loans and leases to core deposits | 112.0641% | 783 |
Total domestic deposits to total assets | 87.1606% | 2,051 |
Equity capital to assets | 8.3821% | 5,360 |
Core capital (leverage) ratio | 8.7557% | 5,018 |
Tier 1 risk-based capital ratio | 9.5416% | 5,812 |
Total risk-based capital ratio | 10.7302% | 5,811 |
Memoranda: | ||
Average total assets | $43,862,800 | 5,471 |
Average earning assets | $42,119,400 | 5,417 |
Average equity | $3,667,600 | 5,681 |
Average total loans | $40,203,200 | 4,874 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6753% | 1,123 |
Cost of funding earning assets | 1.0294% | 145 |
Net interest margin | 3.6459% | 2,906 |
Noninterest income to average assets | 0.0182% | 5,899 |
Noninterest expense to average assets | 1.6404% | 5,657 |
Loan and lease loss provision to assets | 0.0729% | 2,756 |
Net operating income to assets | 1.7642% | 525 |
Return on assets (ROA) | 2.0262% | 340 |
Pretax return on assets | 2.0687% | 494 |
Return on Equity (ROE) | 24.2467% | 94 |
Retained earnings to average equity (ytd only) | 5.1620% | 2,716 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.5730% | 5,795 |
Assets per employee ($millions) | 10.8270% | 230 |
Cash dividends to net income (ytd only)* | 78.7105% | 778 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1729% | 3,411 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 90.8608% | 53 |
Net loans and leases to deposits | 99.6329% | 727 |
Net loans and leases to core deposits | 103.6836% | 1,366 |
Total domestic deposits to total assets | 91.1956% | 159 |
Equity capital to assets | 8.5850% | 5,485 |
Core capital (leverage) ratio | 8.2038% | 5,574 |
Tier 1 risk-based capital ratio | 9.8507% | 5,826 |
Total risk-based capital ratio | 11.0978% | 5,799 |
Memoranda: | ||
Average total assets | $43,891,500 | 5,523 |
Average earning assets | $42,092,500 | 5,478 |
Average equity | $3,667,750 | 5,743 |
Average total loans | $39,886,750 | 4,925 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6650% | 1,133 |
Cost of funding earning assets | 1.0034% | 167 |
Net interest margin | 3.6616% | 2,852 |
Noninterest income to average assets | 0.0136% | 5,978 |
Noninterest expense to average assets | 1.5969% | 5,765 |
Loan and lease loss provision to assets | 0.1089% | 2,049 |
Net operating income to assets | 1.7665% | 506 |
Return on assets (ROA) | 2.0732% | 309 |
Pretax return on assets | 2.1140% | 457 |
Return on Equity (ROE) | 25.0342% | 90 |
Retained earnings to average equity (ytd only) | 7.0666% | 1,569 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.3622% | 5,898 |
Assets per employee ($millions) | 11.0435% | 202 |
Cash dividends to net income (ytd only)* | 71.7724% | 1,124 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1927% | 3,407 |
Loan loss allowance to noncurrent loans | 1,167.5000% | 520 |
Noncurrent assets plus other real estate owned to assets | 0.0906% | 5,160 |
Noncurrent loans to loans | 0.1022% | 5,037 |
Net loans and leases to total assets | 87.5832% | 160 |
Net loans and leases to deposits | 95.8740% | 1,093 |
Net loans and leases to core deposits | 105.1017% | 1,249 |
Total domestic deposits to total assets | 91.3524% | 133 |
Equity capital to assets | 8.4575% | 5,621 |
Core capital (leverage) ratio | 8.5811% | 5,283 |
Tier 1 risk-based capital ratio | 9.9650% | 5,869 |
Total risk-based capital ratio | 11.2127% | 5,811 |
Memoranda: | ||
Average total assets | $44,086,000 | 5,581 |
Average earning assets | $42,057,670 | 5,542 |
Average equity | $3,651,000 | 5,813 |
Average total loans | $39,910,000 | 4,974 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7398% | 974 |
Cost of funding earning assets | 1.0308% | 138 |
Net interest margin | 3.7090% | 2,632 |
Noninterest income to average assets | 0.0182% | 6,039 |
Noninterest expense to average assets | 1.5985% | 5,831 |
Loan and lease loss provision to assets | 0.1635% | 1,265 |
Net operating income to assets | 1.7075% | 569 |
Return on assets (ROA) | 1.7075% | 608 |
Pretax return on assets | 1.7529% | 938 |
Return on Equity (ROE) | 20.8397% | 199 |
Retained earnings to average equity (ytd only) | -0.8868% | 5,267 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.8269% | 5,949 |
Assets per employee ($millions) | 10.8910% | 214 |
Cash dividends to net income (ytd only)* | 104.2553% | 661 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1381% | 3,848 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 91.9199% | 34 |
Net loans and leases to deposits | 100.4364% | 593 |
Net loans and leases to core deposits | 110.3688% | 835 |
Total domestic deposits to total assets | 91.5205% | 153 |
Equity capital to assets | 8.2981% | 5,696 |
Core capital (leverage) ratio | 8.2227% | 5,637 |
Tier 1 risk-based capital ratio | 9.3099% | 6,031 |
Total risk-based capital ratio | 10.5237% | 6,025 |
Memoranda: | ||
Average total assets | $44,042,000 | 5,635 |
Average earning assets | $41,521,000 | 5,601 |
Average equity | $3,608,500 | 5,870 |
Average total loans | $40,287,000 | 4,999 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8919% | 784 |
Cost of funding earning assets | 0.9882% | 185 |
Net interest margin | 3.9037% | 2,015 |
Noninterest income to average assets | 0.0246% | 6,059 |
Noninterest expense to average assets | 1.7397% | 5,813 |
Loan and lease loss provision to assets | 0.1622% | 1,419 |
Net operating income to assets | 1.8014% | 485 |
Return on assets (ROA) | 1.8110% | 485 |
Pretax return on assets | 1.8503% | 724 |
Return on Equity (ROE) | 21.8980% | 180 |
Retained earnings to average equity (ytd only) | 4.1597% | 3,038 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.3506% | 6,018 |
Assets per employee ($millions) | 11.1300% | 191 |
Cash dividends to net income (ytd only)* | 81.0041% | 857 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1056% | 4,022 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | 0.0000% | 5,583 |
Net loans and leases to total assets | 89.0072% | 93 |
Net loans and leases to deposits | 96.9989% | 909 |
Net loans and leases to core deposits | 106.3386% | 1,082 |
Total domestic deposits to total assets | 91.7610% | 135 |
Equity capital to assets | 8.0907% | 5,818 |
Core capital (leverage) ratio | 8.2611% | 5,636 |
Tier 1 risk-based capital ratio | 9.3670% | 6,065 |
Total risk-based capital ratio | 10.5379% | 6,069 |
Memoranda: | ||
Average total assets | $40,695,600 | 5,748 |
Average earning assets | $38,758,000 | 5,709 |
Average equity | $3,365,600 | 5,941 |
Average total loans | $37,397,200 | 5,105 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8755% | 809 |
Cost of funding earning assets | 0.9583% | 214 |
Net interest margin | 3.9172% | 1,975 |
Noninterest income to average assets | 0.0235% | 6,151 |
Noninterest expense to average assets | 1.7379% | 5,867 |
Loan and lease loss provision to assets | 0.2214% | 846 |
Net operating income to assets | 1.7824% | 542 |
Return on assets (ROA) | 1.8218% | 518 |
Pretax return on assets | 1.8621% | 780 |
Return on Equity (ROE) | 21.8957% | 193 |
Retained earnings to average equity (ytd only) | 3.7502% | 3,807 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.0586% | 6,090 |
Assets per employee ($millions) | 10.5733% | 221 |
Cash dividends to net income (ytd only)* | 82.8738% | 675 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1177% | 4,126 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 92.6678% | 19 |
Net loans and leases to deposits | 106.0390% | 363 |
Net loans and leases to core deposits | 118.3333% | 520 |
Total domestic deposits to total assets | 87.3903% | 1,850 |
Equity capital to assets | 8.3655% | 5,790 |
Core capital (leverage) ratio | 8.2321% | 5,753 |
Tier 1 risk-based capital ratio | 9.5686% | 6,133 |
Total risk-based capital ratio | 10.7811% | 6,112 |
Memoranda: | ||
Average total assets | $39,739,500 | 5,843 |
Average earning assets | $38,121,750 | 5,805 |
Average equity | $3,306,500 | 6,033 |
Average total loans | $36,729,250 | 5,188 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7873% | 914 |
Cost of funding earning assets | 0.9241% | 255 |
Net interest margin | 3.8631% | 2,092 |
Noninterest income to average assets | 0.0206% | 6,229 |
Noninterest expense to average assets | 1.7537% | 5,919 |
Loan and lease loss provision to assets | 0.1851% | 1,094 |
Net operating income to assets | 1.7395% | 580 |
Return on assets (ROA) | 1.8000% | 538 |
Pretax return on assets | 1.8412% | 827 |
Return on Equity (ROE) | 21.6763% | 206 |
Retained earnings to average equity (ytd only) | 3.2824% | 3,962 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.5685% | 6,130 |
Assets per employee ($millions) | 10.4790% | 229 |
Cash dividends to net income (ytd only)* | 84.8571% | 822 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0780% | 4,450 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 90.4189% | 54 |
Net loans and leases to deposits | 114.3633% | 171 |
Net loans and leases to core deposits | 121.0863% | 439 |
Total domestic deposits to total assets | 79.0629% | 5,088 |
Equity capital to assets | 8.3333% | 5,808 |
Core capital (leverage) ratio | 9.1079% | 4,810 |
Tier 1 risk-based capital ratio | 9.6611% | 6,172 |
Total risk-based capital ratio | 10.8159% | 6,164 |
Memoranda: | ||
Average total assets | $38,888,330 | 5,926 |
Average earning assets | $37,223,670 | 5,881 |
Average equity | $3,229,330 | 6,105 |
Average total loans | $35,760,670 | 5,268 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8631% | 763 |
Cost of funding earning assets | 0.9215% | 258 |
Net interest margin | 3.9415% | 1,738 |
Noninterest income to average assets | 0.0214% | 6,290 |
Noninterest expense to average assets | 1.7124% | 5,998 |
Loan and lease loss provision to assets | 0.1926% | 975 |
Net operating income to assets | 1.8729% | 425 |
Return on assets (ROA) | 1.8729% | 451 |
Pretax return on assets | 1.9157% | 696 |
Return on Equity (ROE) | 22.5989% | 162 |
Retained earnings to average equity (ytd only) | 1.1622% | 5,021 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.0168% | 6,232 |
Assets per employee ($millions) | 9.0365% | 360 |
Cash dividends to net income (ytd only)* | 94.8571% | 758 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1867% | 4,054 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 90.9921% | 42 |
Net loans and leases to deposits | 103.2653% | 402 |
Net loans and leases to core deposits | 110.5732% | 719 |
Total domestic deposits to total assets | 88.1149% | 1,753 |
Equity capital to assets | 8.6178% | 5,643 |
Core capital (leverage) ratio | 8.1828% | 5,820 |
Tier 1 risk-based capital ratio | 9.6574% | 6,244 |
Total risk-based capital ratio | 10.9068% | 6,215 |
Memoranda: | ||
Average total assets | $37,374,500 | 6,021 |
Average earning assets | $36,026,500 | 5,963 |
Average equity | $3,097,500 | 6,193 |
Average total loans | $34,484,500 | 5,349 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6928% | 1,327 |
Cost of funding earning assets | 0.7956% | 664 |
Net interest margin | 3.8972% | 2,253 |
Noninterest income to average assets | 0.0224% | 6,355 |
Noninterest expense to average assets | 1.8556% | 5,999 |
Loan and lease loss provision to assets | 0.2096% | 1,193 |
Net operating income to assets | 1.6907% | 588 |
Return on assets (ROA) | 1.6907% | 610 |
Pretax return on assets | 1.7355% | 918 |
Return on Equity (ROE) | 20.5587% | 220 |
Retained earnings to average equity (ytd only) | 5.9807% | 1,940 |
Net charge-offs to loans | 0.2327% | 1,813 |
Credit loss provision to net charge-offs | 102.7397% | 2,329 |
Earnings coverage of net charge-offs (x) | 9.5342% | 2,736 |
Efficiency ratio | 45.9559% | 6,267 |
Assets per employee ($millions) | 7.7206% | 600 |
Cash dividends to net income (ytd only)* | 70.9091% | 1,255 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0565% | 4,780 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 91.4618% | 37 |
Net loans and leases to deposits | 114.3991% | 158 |
Net loans and leases to core deposits | 122.7685% | 341 |
Total domestic deposits to total assets | 79.9497% | 5,033 |
Equity capital to assets | 7.9787% | 6,079 |
Core capital (leverage) ratio | 8.3616% | 5,710 |
Tier 1 risk-based capital ratio | 8.9664% | 6,408 |
Total risk-based capital ratio | 10.0890% | 6,415 |
Memoranda: | ||
Average total assets | $35,783,000 | 6,137 |
Average earning assets | $34,691,600 | 6,072 |
Average equity | $2,942,800 | 6,283 |
Average total loans | $31,366,400 | 5,515 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6812% | 1,351 |
Cost of funding earning assets | 0.8155% | 632 |
Net interest margin | 3.8657% | 2,369 |
Noninterest income to average assets | 0.0228% | 6,435 |
Noninterest expense to average assets | 1.8701% | 5,995 |
Loan and lease loss provision to assets | 0.2851% | 710 |
Net operating income to assets | 1.5698% | 811 |
Return on assets (ROA) | 1.5698% | 843 |
Pretax return on assets | 1.6154% | 1,277 |
Return on Equity (ROE) | 18.9324% | 355 |
Retained earnings to average equity (ytd only) | 4.5384% | 3,415 |
Net charge-offs to loans | 0.3258% | 1,230 |
Credit loss provision to net charge-offs | 101.3514% | 2,181 |
Earnings coverage of net charge-offs (x) | 6.7570% | 3,033 |
Efficiency ratio | 46.6734% | 6,258 |
Assets per employee ($millions) | 8.5833% | 401 |
Cash dividends to net income (ytd only)* | 76.0301% | 837 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2082% | 4,178 |
Loan loss allowance to noncurrent loans | 138.2353% | 2,915 |
Noncurrent assets plus other real estate owned to assets | 0.7922% | 3,447 |
Noncurrent loans to loans | 0.8740% | 3,382 |
Net loans and leases to total assets | 89.5465% | 67 |
Net loans and leases to deposits | 107.3276% | 280 |
Net loans and leases to core deposits | 115.8315% | 515 |
Total domestic deposits to total assets | 83.4328% | 3,981 |
Equity capital to assets | 8.7263% | 5,623 |
Core capital (leverage) ratio | 8.7739% | 5,368 |
Tier 1 risk-based capital ratio | 9.9824% | 6,354 |
Total risk-based capital ratio | 11.2315% | 6,314 |
Memoranda: | ||
Average total assets | $35,078,000 | 6,228 |
Average earning assets | $34,007,250 | 6,165 |
Average equity | $2,908,500 | 6,360 |
Average total loans | $30,287,000 | 5,608 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6259% | 1,459 |
Cost of funding earning assets | 0.8119% | 663 |
Net interest margin | 3.8141% | 2,516 |
Noninterest income to average assets | 0.0226% | 6,505 |
Noninterest expense to average assets | 1.9306% | 5,949 |
Loan and lease loss provision to assets | 0.3227% | 586 |
Net operating income to assets | 1.4210% | 1,018 |
Return on assets (ROA) | 1.4210% | 1,057 |
Pretax return on assets | 1.4663% | 1,649 |
Return on Equity (ROE) | 17.4346% | 511 |
Retained earnings to average equity (ytd only) | 4.0287% | 3,616 |
Net charge-offs to loans | 0.5132% | 792 |
Credit loss provision to net charge-offs | 74.0260% | 2,402 |
Earnings coverage of net charge-offs (x) | 4.1039% | 3,173 |
Efficiency ratio | 49.0107% | 6,221 |
Assets per employee ($millions) | 6.8604% | 852 |
Cash dividends to net income (ytd only)* | 76.8924% | 981 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2252% | 4,308 |
Loan loss allowance to noncurrent loans | 130.5147% | 3,003 |
Noncurrent assets plus other real estate owned to assets | 0.7930% | 3,587 |
Noncurrent loans to loans | 0.9388% | 3,368 |
Net loans and leases to total assets | 83.4325% | 342 |
Net loans and leases to deposits | 91.4900% | 1,218 |
Net loans and leases to core deposits | 98.0808% | 1,435 |
Total domestic deposits to total assets | 91.1929% | 345 |
Equity capital to assets | 8.6001% | 5,717 |
Core capital (leverage) ratio | 8.5274% | 5,611 |
Tier 1 risk-based capital ratio | 10.6124% | 6,215 |
Total risk-based capital ratio | 11.8641% | 6,156 |
Memoranda: | ||
Average total assets | $35,326,330 | 6,284 |
Average earning assets | $34,241,670 | 6,220 |
Average equity | $2,879,330 | 6,418 |
Average total loans | $30,009,330 | 5,656 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6119% | 1,474 |
Cost of funding earning assets | 0.8071% | 724 |
Net interest margin | 3.8049% | 2,453 |
Noninterest income to average assets | 0.0223% | 6,561 |
Noninterest expense to average assets | 1.9532% | 5,973 |
Loan and lease loss provision to assets | 0.4353% | 371 |
Net operating income to assets | 1.2724% | 1,290 |
Return on assets (ROA) | 1.2724% | 1,341 |
Pretax return on assets | 1.3170% | 2,040 |
Return on Equity (ROE) | 16.0338% | 636 |
Retained earnings to average equity (ytd only) | -0.8439% | 5,700 |
Net charge-offs to loans | 1.0089% | 332 |
Credit loss provision to net charge-offs | 50.6494% | 2,195 |
Earnings coverage of net charge-offs (x) | 2.0390% | 2,962 |
Efficiency ratio | 49.6988% | 6,273 |
Assets per employee ($millions) | 6.9458% | 824 |
Cash dividends to net income (ytd only)* | 105.2632% | 620 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1570% | 4,835 |
Loan loss allowance to noncurrent loans | 123.8971% | 3,071 |
Noncurrent assets plus other real estate owned to assets | 0.7832% | 3,784 |
Noncurrent loans to loans | 0.9338% | 3,552 |
Net loans and leases to total assets | 82.8990% | 302 |
Net loans and leases to deposits | 90.5688% | 1,085 |
Net loans and leases to core deposits | 96.9785% | 1,313 |
Total domestic deposits to total assets | 91.5316% | 369 |
Equity capital to assets | 8.2381% | 5,880 |
Core capital (leverage) ratio | 8.1453% | 5,998 |
Tier 1 risk-based capital ratio | 10.5674% | 6,312 |
Total risk-based capital ratio | 11.8196% | 6,279 |
Memoranda: | ||
Average total assets | $35,838,500 | 6,335 |
Average earning assets | $34,692,500 | 6,266 |
Average equity | $2,844,000 | 6,482 |
Average total loans | $30,527,000 | 5,696 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9673% | 978 |
Cost of funding earning assets | 0.9952% | 452 |
Net interest margin | 3.9721% | 2,029 |
Noninterest income to average assets | 0.0248% | 6,604 |
Noninterest expense to average assets | 1.8279% | 6,278 |
Loan and lease loss provision to assets | 0.5258% | 520 |
Net operating income to assets | 1.4819% | 854 |
Return on assets (ROA) | 1.5251% | 819 |
Pretax return on assets | 1.5608% | 1,267 |
Return on Equity (ROE) | 19.6901% | 299 |
Retained earnings to average equity (ytd only) | 3.4475% | 3,780 |
Net charge-offs to loans | 0.4966% | 1,334 |
Credit loss provision to net charge-offs | 122.4359% | 1,938 |
Earnings coverage of net charge-offs (x) | 4.7564% | 3,470 |
Efficiency ratio | 44.0967% | 6,616 |
Assets per employee ($millions) | 9.2370% | 303 |
Cash dividends to net income (ytd only)* | 82.4910% | 836 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1746% | 4,787 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 85.3957% | 185 |
Net loans and leases to deposits | 92.6338% | 994 |
Net loans and leases to core deposits | 98.7203% | 1,257 |
Total domestic deposits to total assets | 92.1863% | 250 |
Equity capital to assets | 7.6513% | 6,209 |
Core capital (leverage) ratio | 8.0067% | 6,127 |
Tier 1 risk-based capital ratio | 9.5889% | 6,592 |
Total risk-based capital ratio | 10.8405% | 6,571 |
Memoranda: | ||
Average total assets | $36,326,400 | 6,383 |
Average earning assets | $35,170,200 | 6,314 |
Average equity | $2,813,600 | 6,569 |
Average total loans | $31,413,200 | 5,692 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0016% | 940 |
Cost of funding earning assets | 1.0201% | 446 |
Net interest margin | 3.9815% | 2,006 |
Noninterest income to average assets | 0.0295% | 6,677 |
Noninterest expense to average assets | 1.6882% | 6,480 |
Loan and lease loss provision to assets | 0.6377% | 361 |
Net operating income to assets | 1.5272% | 858 |
Return on assets (ROA) | 1.5813% | 821 |
Pretax return on assets | 1.6145% | 1,309 |
Return on Equity (ROE) | 20.3537% | 282 |
Retained earnings to average equity (ytd only) | 2.3724% | 4,910 |
Net charge-offs to loans | 0.6648% | 911 |
Credit loss provision to net charge-offs | 110.8974% | 2,127 |
Earnings coverage of net charge-offs (x) | 3.8206% | 3,604 |
Efficiency ratio | 42.7894% | 6,687 |
Assets per employee ($millions) | 7.0178% | 741 |
Cash dividends to net income (ytd only)* | 88.3442% | 599 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1326% | 5,193 |
Loan loss allowance to noncurrent loans | 3,966.6667% | 160 |
Noncurrent assets plus other real estate owned to assets | 0.0256% | 6,402 |
Noncurrent loans to loans | 0.0286% | 6,265 |
Net loans and leases to total assets | 88.8113% | 62 |
Net loans and leases to deposits | 96.7735% | 638 |
Net loans and leases to core deposits | 104.3917% | 856 |
Total domestic deposits to total assets | 91.7724% | 293 |
Equity capital to assets | 7.9484% | 6,178 |
Core capital (leverage) ratio | 8.0260% | 6,202 |
Tier 1 risk-based capital ratio | 9.5464% | 6,678 |
Total risk-based capital ratio | 10.7622% | 6,658 |
Memoranda: | ||
Average total assets | $36,171,000 | 6,458 |
Average earning assets | $35,028,000 | 6,389 |
Average equity | $2,810,250 | 6,641 |
Average total loans | $31,284,750 | 5,752 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9379% | 1,019 |
Cost of funding earning assets | 1.0214% | 488 |
Net interest margin | 3.9165% | 2,163 |
Noninterest income to average assets | 0.0219% | 6,748 |
Noninterest expense to average assets | 1.6205% | 6,572 |
Loan and lease loss provision to assets | 0.8267% | 255 |
Net operating income to assets | 1.3413% | 1,222 |
Return on assets (ROA) | 1.3413% | 1,312 |
Pretax return on assets | 1.3742% | 2,022 |
Return on Equity (ROE) | 17.3924% | 520 |
Retained earnings to average equity (ytd only) | -3.7624% | 6,372 |
Net charge-offs to loans | 0.3909% | 1,656 |
Credit loss provision to net charge-offs | 247.5410% | 1,021 |
Earnings coverage of net charge-offs (x) | 6.5902% | 2,693 |
Efficiency ratio | 41.6905% | 6,764 |
Assets per employee ($millions) | 7.1854% | 669 |
Cash dividends to net income (ytd only)* | 121.6327% | 331 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3566% | 4,233 |
Loan loss allowance to noncurrent loans | 335.9375% | 1,255 |
Noncurrent assets plus other real estate owned to assets | 0.3563% | 5,421 |
Noncurrent loans to loans | 0.4038% | 5,254 |
Net loans and leases to total assets | 87.0320% | 115 |
Net loans and leases to deposits | 99.4782% | 455 |
Net loans and leases to core deposits | 105.6923% | 751 |
Total domestic deposits to total assets | 87.4885% | 2,545 |
Equity capital to assets | 7.6739% | 6,380 |
Core capital (leverage) ratio | 7.3640% | 6,508 |
Tier 1 risk-based capital ratio | 9.1448% | 6,751 |
Total risk-based capital ratio | 10.3980% | 6,749 |
Memoranda: | ||
Average total assets | $36,531,670 | 6,493 |
Average earning assets | $35,440,000 | 6,423 |
Average equity | $2,817,330 | 6,688 |
Average total loans | $31,206,330 | 5,796 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7571% | 1,383 |
Cost of funding earning assets | 1.0385% | 500 |
Net interest margin | 3.7186% | 2,781 |
Noninterest income to average assets | 0.0217% | 6,809 |
Noninterest expense to average assets | 1.6072% | 6,664 |
Loan and lease loss provision to assets | 0.1955% | 1,893 |
Net operating income to assets | 1.8027% | 478 |
Return on assets (ROA) | 1.8027% | 533 |
Pretax return on assets | 1.8353% | 828 |
Return on Equity (ROE) | 23.3187% | 157 |
Retained earnings to average equity (ytd only) | 4.7761% | 3,374 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.5821% | 6,788 |
Assets per employee ($millions) | 7.3328% | 657 |
Cash dividends to net income (ytd only)* | 79.5181% | 903 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1597% | 5,370 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 83.2179% | 221 |
Net loans and leases to deposits | 90.4619% | 923 |
Net loans and leases to core deposits | 97.5416% | 1,113 |
Total domestic deposits to total assets | 91.9921% | 248 |
Equity capital to assets | 7.7978% | 6,470 |
Core capital (leverage) ratio | 7.6669% | 6,376 |
Tier 1 risk-based capital ratio | 9.6900% | 6,735 |
Total risk-based capital ratio | 10.9342% | 6,718 |
Memoranda: | ||
Average total assets | $36,834,000 | 6,554 |
Average earning assets | $35,820,000 | 6,472 |
Average equity | $2,847,500 | 6,753 |
Average total loans | $30,960,500 | 5,846 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2332% | 1,056 |
Cost of funding earning assets | 1.1960% | 596 |
Net interest margin | 4.0372% | 2,245 |
Noninterest income to average assets | 0.0296% | 6,753 |
Noninterest expense to average assets | 1.8478% | 6,554 |
Loan and lease loss provision to assets | 0.1951% | 3,196 |
Net operating income to assets | 1.8663% | 456 |
Return on assets (ROA) | 1.8921% | 488 |
Pretax return on assets | 1.9453% | 676 |
Return on Equity (ROE) | 24.2112% | 151 |
Retained earnings to average equity (ytd only) | 12.2948% | 300 |
Net charge-offs to loans | 0.0000% | 5,985 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.5970% | 6,795 |
Assets per employee ($millions) | 7.4008% | 657 |
Cash dividends to net income (ytd only)* | 49.2188% | 2,355 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0949% | 5,571 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 82.9964% | 268 |
Net loans and leases to deposits | 90.0355% | 1,071 |
Net loans and leases to core deposits | 96.9934% | 1,224 |
Total domestic deposits to total assets | 92.1819% | 213 |
Equity capital to assets | 7.6640% | 6,565 |
Core capital (leverage) ratio | 7.7863% | 6,346 |
Tier 1 risk-based capital ratio | 9.5416% | 6,795 |
Total risk-based capital ratio | 10.7196% | 6,800 |
Memoranda: | ||
Average total assets | $33,824,600 | 6,662 |
Average earning assets | $32,943,400 | 6,583 |
Average equity | $2,643,400 | 6,853 |
Average total loans | $28,764,200 | 6,004 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2560% | 1,089 |
Cost of funding earning assets | 1.2260% | 616 |
Net interest margin | 4.0300% | 2,382 |
Noninterest income to average assets | 0.0323% | 6,858 |
Noninterest expense to average assets | 1.8488% | 6,617 |
Loan and lease loss provision to assets | 0.1938% | 3,157 |
Net operating income to assets | 1.8690% | 496 |
Return on assets (ROA) | 1.8690% | 567 |
Pretax return on assets | 1.9174% | 840 |
Return on Equity (ROE) | 23.7865% | 171 |
Retained earnings to average equity (ytd only) | 11.5079% | 610 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.4638% | 6,845 |
Assets per employee ($millions) | 6.7530% | 836 |
Cash dividends to net income (ytd only)* | 51.6199% | 1,627 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0516% | 5,883 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | 0.0000% | 6,696 |
Net loans and leases to total assets | 89.7349% | 51 |
Net loans and leases to deposits | 97.9124% | 554 |
Net loans and leases to core deposits | 106.3197% | 719 |
Total domestic deposits to total assets | 91.6482% | 259 |
Equity capital to assets | 8.0794% | 6,558 |
Core capital (leverage) ratio | 7.5967% | 6,564 |
Tier 1 risk-based capital ratio | 9.1568% | 6,929 |
Total risk-based capital ratio | 10.2686% | 6,938 |
Memoranda: | ||
Average total assets | $33,029,750 | 6,760 |
Average earning assets | $32,191,000 | 6,682 |
Average equity | $2,595,250 | 6,951 |
Average total loans | $28,192,250 | 6,105 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0733% | 1,588 |
Cost of funding earning assets | 1.2261% | 731 |
Net interest margin | 3.8472% | 3,147 |
Noninterest income to average assets | 0.0244% | 6,935 |
Noninterest expense to average assets | 1.8850% | 6,625 |
Loan and lease loss provision to assets | 0.1830% | 3,273 |
Net operating income to assets | 1.6593% | 734 |
Return on assets (ROA) | 1.6593% | 821 |
Pretax return on assets | 1.7081% | 1,234 |
Return on Equity (ROE) | 21.3250% | 272 |
Retained earnings to average equity (ytd only) | 9.9569% | 988 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.3037% | 6,757 |
Assets per employee ($millions) | 6.9030% | 761 |
Cash dividends to net income (ytd only)* | 53.3088% | 1,617 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0156% | 6,089 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 85.8409% | 147 |
Net loans and leases to deposits | 93.1493% | 841 |
Net loans and leases to core deposits | 100.9094% | 1,045 |
Total domestic deposits to total assets | 92.1541% | 203 |
Equity capital to assets | 7.6054% | 6,756 |
Core capital (leverage) ratio | 7.5722% | 6,585 |
Tier 1 risk-based capital ratio | 9.0363% | 6,980 |
Total risk-based capital ratio | 10.1114% | 6,994 |
Memoranda: | ||
Average total assets | $32,784,670 | 6,819 |
Average earning assets | $31,971,330 | 6,734 |
Average equity | $2,551,000 | 7,003 |
Average total loans | $27,382,670 | 6,187 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1507% | 1,428 |
Cost of funding earning assets | 1.2331% | 835 |
Net interest margin | 3.9176% | 2,849 |
Noninterest income to average assets | 0.0251% | 7,035 |
Noninterest expense to average assets | 1.5790% | 6,997 |
Loan and lease loss provision to assets | 0.1504% | 3,486 |
Net operating income to assets | 2.0677% | 368 |
Return on assets (ROA) | 2.0677% | 427 |
Pretax return on assets | 2.1178% | 617 |
Return on Equity (ROE) | 26.2530% | 153 |
Retained earnings to average equity (ytd only) | 18.2975% | 239 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.4137% | 7,116 |
Assets per employee ($millions) | 6.6578% | 897 |
Cash dividends to net income (ytd only)* | 30.3030% | 2,084 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0899% | 5,933 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 77.9657% | 594 |
Net loans and leases to deposits | 84.7616% | 1,571 |
Net loans and leases to core deposits | 92.1139% | 1,640 |
Total domestic deposits to total assets | 91.9823% | 261 |
Equity capital to assets | 7.8404% | 6,618 |
Core capital (leverage) ratio | 7.9511% | 6,296 |
Tier 1 risk-based capital ratio | 10.2520% | 6,811 |
Total risk-based capital ratio | 11.4050% | 6,836 |
Memoranda: | ||
Average total assets | $31,919,500 | 6,901 |
Average earning assets | $31,141,500 | 6,816 |
Average equity | $2,514,000 | 7,060 |
Average total loans | $26,108,000 | 6,302 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2791% | 1,775 |
Cost of funding earning assets | 1.2662% | 1,651 |
Net interest margin | 4.0129% | 2,820 |
Noninterest income to average assets | 0.0395% | 6,877 |
Noninterest expense to average assets | 2.2539% | 6,158 |
Loan and lease loss provision to assets | 0.4889% | 2,163 |
Net operating income to assets | 1.0928% | 1,865 |
Return on assets (ROA) | 1.0928% | 1,977 |
Pretax return on assets | 1.1359% | 2,707 |
Return on Equity (ROE) | 13.9296% | 947 |
Retained earnings to average equity (ytd only) | 13.9296% | 174 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.3485% | 6,270 |
Assets per employee ($millions) | 6.1100% | 1,156 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0548% | 5,981 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | 0.0000% | 6,879 |
Net loans and leases to total assets | 84.1309% | 205 |
Net loans and leases to deposits | 91.5118% | 1,010 |
Net loans and leases to core deposits | 114.4702% | 485 |
Total domestic deposits to total assets | 91.9345% | 248 |
Equity capital to assets | 7.9149% | 6,621 |
Core capital (leverage) ratio | 8.3621% | 5,761 |
Tier 1 risk-based capital ratio | 9.8060% | 6,898 |
Total risk-based capital ratio | 10.9369% | 6,916 |
Memoranda: | ||
Average total assets | $27,819,000 | 7,029 |
Average earning assets | $26,614,400 | 6,971 |
Average equity | $2,182,400 | 7,186 |
Average total loans | $21,647,800 | 6,574 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2019% | 2,201 |
Cost of funding earning assets | 1.2953% | 1,730 |
Net interest margin | 3.9066% | 3,348 |
Noninterest income to average assets | 0.0491% | 6,960 |
Noninterest expense to average assets | 2.2405% | 6,187 |
Loan and lease loss provision to assets | 0.4275% | 2,335 |
Net operating income to assets | 1.0613% | 2,103 |
Return on assets (ROA) | 1.0613% | 2,244 |
Pretax return on assets | 1.1006% | 3,010 |
Return on Equity (ROE) | 13.5620% | 1,146 |
Retained earnings to average equity (ytd only) | 13.5620% | 326 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.6271% | 6,068 |
Assets per employee ($millions) | 5.4310% | 1,667 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9980% | 6,281 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 82.1985% | 339 |
Net loans and leases to deposits | 90.2114% | 1,193 |
Net loans and leases to core deposits | 106.0682% | 859 |
Total domestic deposits to total assets | 91.1177% | 401 |
Equity capital to assets | 8.6025% | 6,201 |
Core capital (leverage) ratio | 8.5500% | 5,639 |
Tier 1 risk-based capital ratio | 10.4846% | 6,784 |
Total risk-based capital ratio | 11.5152% | 6,857 |
Memoranda: | ||
Average total assets | $27,136,250 | 7,117 |
Average earning assets | $25,836,250 | 7,060 |
Average equity | $2,123,500 | 7,265 |
Average total loans | $20,565,750 | 6,691 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0686% | 2,841 |
Cost of funding earning assets | 1.2924% | 1,992 |
Net interest margin | 3.7761% | 3,905 |
Noninterest income to average assets | 0.0442% | 7,071 |
Noninterest expense to average assets | 2.2189% | 6,332 |
Loan and lease loss provision to assets | 0.4276% | 2,292 |
Net operating income to assets | 0.9436% | 2,464 |
Return on assets (ROA) | 0.9436% | 2,556 |
Pretax return on assets | 0.9731% | 3,344 |
Return on Equity (ROE) | 12.4716% | 1,351 |
Retained earnings to average equity (ytd only) | 12.4716% | 462 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.4705% | 5,947 |
Assets per employee ($millions) | 5.1872% | 1,888 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9256% | 6,585 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 80.8876% | 457 |
Net loans and leases to deposits | 88.6724% | 1,409 |
Net loans and leases to core deposits | 101.2842% | 1,229 |
Total domestic deposits to total assets | 91.2207% | 420 |
Equity capital to assets | 8.5750% | 6,092 |
Core capital (leverage) ratio | 8.4811% | 5,580 |
Tier 1 risk-based capital ratio | 10.2626% | 6,890 |
Total risk-based capital ratio | 11.1769% | 7,002 |
Memoranda: | ||
Average total assets | $27,130,000 | 7,183 |
Average earning assets | $25,687,670 | 7,133 |
Average equity | $2,052,670 | 7,335 |
Average total loans | $19,905,670 | 6,797 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8602% | 3,772 |
Cost of funding earning assets | 1.2766% | 2,326 |
Net interest margin | 3.5837% | 4,647 |
Noninterest income to average assets | 0.0433% | 7,169 |
Noninterest expense to average assets | 2.1640% | 6,504 |
Loan and lease loss provision to assets | 0.4184% | 2,100 |
Net operating income to assets | 0.8223% | 2,922 |
Return on assets (ROA) | 0.8223% | 2,980 |
Pretax return on assets | 0.8223% | 3,819 |
Return on Equity (ROE) | 11.5913% | 1,576 |
Retained earnings to average equity (ytd only) | 11.5913% | 799 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.4407% | 5,769 |
Assets per employee ($millions) | 5.2052% | 1,888 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8480% | 6,826 |
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 | 75.0250% | 1,174 |
Net loans and leases to deposits | 81.8426% | 2,388 |
Net loans and leases to core deposits | 104.2721% | 1,044 |
Total domestic deposits to total assets | 91.6699% | 376 |
Equity capital to assets | 8.1534% | 6,336 |
Core capital (leverage) ratio | 7.9213% | 6,340 |
Tier 1 risk-based capital ratio | 10.9703% | 6,528 |
Total risk-based capital ratio | 11.8308% | 6,750 |
Memoranda: | ||
Average total assets | $27,727,000 | 7,215 |
Average earning assets | $26,007,000 | 7,174 |
Average equity | $1,967,000 | 7,399 |
Average total loans | $19,271,000 | 6,882 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8805% | 5,110 |
Cost of funding earning assets | 1.6751% | 1,707 |
Net interest margin | 3.2054% | 6,257 |
Noninterest income to average assets | 0.0454% | 7,129 |
Noninterest expense to average assets | 2.4899% | 5,841 |
Loan and lease loss provision to assets | 0.5907% | 2,773 |
Net operating income to assets | -0.0182% | 5,878 |
Return on assets (ROA) | -0.0182% | 5,983 |
Pretax return on assets | -0.0182% | 5,919 |
Return on Equity (ROE) | -0.2183% | 5,987 |
Retained earnings to average equity (ytd only) | -1.6916% | 5,917 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.4866% | 2,619 |
Assets per employee ($millions) | 5.8856% | 1,292 |
Cash dividends to net income (ytd only)* | -675.0000% | 7,651 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7321% | 7,082 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 63.5823% | 3,956 |
Net loans and leases to deposits | 67.8205% | 5,122 |
Net loans and leases to core deposits | 85.2049% | 3,439 |
Total domestic deposits to total assets | 93.7508% | 98 |
Equity capital to assets | 6.1574% | 7,319 |
Core capital (leverage) ratio | 6.7658% | 7,124 |
Tier 1 risk-based capital ratio | 9.5795% | 7,116 |
Total risk-based capital ratio | 10.3058% | 7,240 |
Memoranda: | ||
Average total assets | $22,008,600 | 7,420 |
Average earning assets | $20,715,200 | 7,386 |
Average equity | $1,832,600 | 7,532 |
Average total loans | $14,564,600 | 7,183 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8932% | 5,299 |
Cost of funding earning assets | 1.7635% | 1,572 |
Net interest margin | 3.1297% | 6,538 |
Noninterest income to average assets | 0.0463% | 7,290 |
Noninterest expense to average assets | 2.6132% | 5,271 |
Loan and lease loss provision to assets | 0.3242% | 3,992 |
Net operating income to assets | 0.0794% | 5,821 |
Return on assets (ROA) | 0.0794% | 5,960 |
Pretax return on assets | 0.0794% | 5,951 |
Return on Equity (ROE) | 0.8706% | 5,924 |
Retained earnings to average equity (ytd only) | -1.0883% | 6,028 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.5526% | 1,886 |
Assets per employee ($millions) | 4.9290% | 2,279 |
Cash dividends to net income (ytd only)* | 225.0000% | 72 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2639% | 7,611 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 75.1390% | 1,565 |
Net loans and leases to deposits | 81.4408% | 3,194 |
Net loans and leases to core deposits | 103.7365% | 1,510 |
Total domestic deposits to total assets | 92.2621% | 153 |
Equity capital to assets | 7.5269% | 7,115 |
Core capital (leverage) ratio | 7.5661% | 6,799 |
Tier 1 risk-based capital ratio | 10.1235% | 6,997 |
Total risk-based capital ratio | 10.3937% | 7,351 |
Memoranda: | ||
Average total assets | $20,153,750 | 7,561 |
Average earning assets | $19,128,250 | 7,519 |
Average equity | $1,837,750 | 7,631 |
Average total loans | $13,493,500 | 7,323 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6803% | 6,207 |
Cost of funding earning assets | 1.7749% | 1,744 |
Net interest margin | 2.9054% | 7,001 |
Noninterest income to average assets | 0.0429% | 7,366 |
Noninterest expense to average assets | 2.7443% | 4,722 |
Loan and lease loss provision to assets | 0.3216% | 3,815 |
Net operating income to assets | -0.2680% | 6,436 |
Return on assets (ROA) | -0.2680% | 6,480 |
Pretax return on assets | -0.2680% | 6,391 |
Return on Equity (ROE) | -2.7293% | 6,492 |
Retained earnings to average equity (ytd only) | -5.6769% | 6,629 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.6360% | 1,034 |
Assets per employee ($millions) | 4.6214% | 2,700 |
Cash dividends to net income (ytd only)* | -108.0000% | 7,786 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.1808% | 7,713 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 71.6882% | 2,489 |
Net loans and leases to deposits | 77.9676% | 3,971 |
Net loans and leases to core deposits | 101.2407% | 1,901 |
Total domestic deposits to total assets | 91.9462% | 227 |
Equity capital to assets | 7.8331% | 6,896 |
Core capital (leverage) ratio | 8.6873% | 5,095 |
Tier 1 risk-based capital ratio | 10.6935% | 6,535 |
Total risk-based capital ratio | 10.8714% | 7,216 |
Memoranda: | ||
Average total assets | $18,656,670 | 7,663 |
Average earning assets | $17,691,330 | 7,618 |
Average equity | $1,832,000 | 7,697 |
Average total loans | $11,802,330 | 7,468 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2130% | 7,244 |
Cost of funding earning assets | 1.7317% | 2,222 |
Net interest margin | 2.4813% | 7,486 |
Noninterest income to average assets | 0.0487% | 7,470 |
Noninterest expense to average assets | 2.8238% | 4,393 |
Loan and lease loss provision to assets | 0.6573% | 1,930 |
Net operating income to assets | -1.0955% | 7,164 |
Return on assets (ROA) | -1.0955% | 7,179 |
Pretax return on assets | -1.0955% | 7,097 |
Return on Equity (ROE) | -9.7667% | 7,130 |
Retained earnings to average equity (ytd only) | -9.7667% | 6,953 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 115.3061% | 509 |
Assets per employee ($millions) | 5.7273% | 1,473 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2051% | 7,810 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | 0.0000% | 7,426 |
Net loans and leases to total assets | 76.4696% | 1,442 |
Net loans and leases to deposits | 85.7525% | 2,632 |
Net loans and leases to core deposits | 88.6632% | 3,542 |
Total domestic deposits to total assets | 89.1747% | 1,429 |
Equity capital to assets | 10.5983% | 3,147 |
Core capital (leverage) ratio | 10.8255% | 2,351 |
Tier 1 risk-based capital ratio | 12.6220% | 4,625 |
Total risk-based capital ratio | 12.8101% | 5,595 |
Memoranda: | ||
Average total assets | $16,431,500 | 7,805 |
Average earning assets | $15,476,000 | 7,771 |
Average equity | $1,843,000 | 7,778 |
Average total loans | $9,406,000 | 7,675 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.3624% | 7,954 |
Cost of funding earning assets | 0.5418% | 7,809 |
Net interest margin | 0.8205% | 7,946 |
Noninterest income to average assets | 0.0283% | 7,597 |
Noninterest expense to average assets | 1.3150% | 7,865 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | -0.5373% | 6,224 |
Return on assets (ROA) | -0.5373% | 6,213 |
Pretax return on assets | -0.5373% | 6,042 |
Return on Equity (ROE) | -2.1346% | 5,876 |
Retained earnings to average equity (ytd only) | -2.1346% | 5,544 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 160.0000% | 253 |
Assets per employee ($millions) | 3.9203% | 3,976 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 7,932 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 36.0054% | 7,521 |
Net loans and leases to deposits | 40.9546% | 7,595 |
Net loans and leases to core deposits | 56.0397% | 7,403 |
Total domestic deposits to total assets | 87.9153% | 2,003 |
Equity capital to assets | 11.8934% | 2,087 |
Core capital (leverage) ratio | 17.1727% | 473 |
Tier 1 risk-based capital ratio | 21.8287% | 1,174 |
Total risk-based capital ratio | 21.8287% | 1,332 |
Memoranda: | ||
Average total assets | $7,072,200 | 8,001 |
Average earning assets | $6,459,400 | 7,985 |
Average equity | $1,780,200 | 7,881 |
Average total loans | $3,664,200 | 7,931 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9836% | 2,106 |
Cost of funding earning assets | 0.1804% | 8,036 |
Net interest margin | 5.8032% | 134 |
Noninterest income to average assets | 0.1896% | 6,860 |
Noninterest expense to average assets | 4.6612% | 631 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 0.7587% | 2,990 |
Return on assets (ROA) | 0.7587% | 3,055 |
Pretax return on assets | 0.7587% | 3,671 |
Return on Equity (ROE) | 2.1222% | 5,126 |
Retained earnings to average equity (ytd only) | 2.1222% | 4,143 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.0000% | 2,066 |
Assets per employee ($millions) | 1.4970% | 7,986 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2876% | 4,583 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | 0.0000% | 7,541 |
Net loans and leases to total assets | 66.5776% | 4,288 |
Net loans and leases to deposits | 110.4952% | 454 |
Net loans and leases to core deposits | 114.7352% | 2,758 |
Total domestic deposits to total assets | 60.2538% | 7,869 |
Equity capital to assets | 39.4790% | 74 |
Core capital (leverage) ratio | 36.0451% | 89 |
Tier 1 risk-based capital ratio | 51.6593% | 160 |
Total risk-based capital ratio | 52.8047% | 159 |
Memoranda: | ||
Average total assets | $4,920,000 | 8,096 |
Average earning assets | $4,434,250 | 8,082 |
Average equity | $1,759,000 | 7,969 |
Average total loans | $3,168,750 | 8,018 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7751% | 3,162 |
Cost of funding earning assets | 0.1313% | 8,143 |
Net interest margin | 5.6439% | 153 |
Noninterest income to average assets | 0.1580% | 7,145 |
Noninterest expense to average assets | 4.7798% | 601 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 0.4740% | 4,202 |
Return on assets (ROA) | 0.4740% | 4,313 |
Pretax return on assets | 0.4740% | 4,704 |
Return on Equity (ROE) | 1.3680% | 5,513 |
Retained earnings to average equity (ytd only) | 1.3680% | 4,576 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.9774% | 1,731 |
Assets per employee ($millions) | 1.6610% | 8,033 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3274% | 4,110 |
Loan loss allowance to noncurrent loans | 32.2314% | 6,314 |
Noncurrent assets plus other real estate owned to assets | 2.4283% | 2,660 |
Noncurrent loans to loans | 4.1184% | 1,616 |
Net loans and leases to total assets | 58.1778% | 5,941 |
Net loans and leases to deposits | 90.1991% | 2,805 |
Net loans and leases to core deposits | 93.0957% | 5,229 |
Total domestic deposits to total assets | 64.4993% | 7,809 |
Equity capital to assets | 35.3000% | 102 |
Core capital (leverage) ratio | 34.9719% | 108 |
Tier 1 risk-based capital ratio | 44.6008% | 225 |
Total risk-based capital ratio | 45.5988% | 229 |
Memoranda: | ||
Average total assets | $5,063,000 | 8,191 |
Average earning assets | $4,571,330 | 8,175 |
Average equity | $1,754,330 | 8,053 |
Average total loans | $3,215,330 | 8,108 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0770% | 2,035 |
Cost of funding earning assets | 0.1736% | 8,187 |
Net interest margin | 5.9034% | 111 |
Noninterest income to average assets | 0.2352% | 6,581 |
Noninterest expense to average assets | 4.8599% | 531 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 0.7055% | 3,527 |
Return on assets (ROA) | 0.7055% | 3,721 |
Pretax return on assets | 0.7055% | 4,422 |
Return on Equity (ROE) | 2.0548% | 5,756 |
Retained earnings to average equity (ytd only) | 2.0548% | 4,720 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.3239% | 1,953 |
Assets per employee ($millions) | 1.2835% | 8,146 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1275% | 5,276 |
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 | 66.6147% | 4,437 |
Net loans and leases to deposits | 108.8479% | 676 |
Net loans and leases to core deposits | 108.8479% | 3,578 |
Total domestic deposits to total assets | 61.1998% | 7,939 |
Equity capital to assets | 34.2228% | 113 |
Core capital (leverage) ratio | 33.1302% | 127 |
Tier 1 risk-based capital ratio | 44.3878% | 257 |
Total risk-based capital ratio | 45.3827% | 260 |
Memoranda: | ||
Average total assets | $5,103,000 | 8,241 |
Average earning assets | $4,607,500 | 8,225 |
Average equity | $1,752,000 | 8,103 |
Average total loans | $3,354,000 | 8,156 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2160% | 7,672 |
Cost of funding earning assets | 0.6897% | 8,153 |
Net interest margin | 4.5263% | 1,358 |
Noninterest income to average assets | 0.1536% | 7,324 |
Noninterest expense to average assets | 4.1284% | 1,230 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.0576% | 6,212 |
Return on assets (ROA) | 0.0768% | 6,010 |
Pretax return on assets | 0.0768% | 5,995 |
Return on Equity (ROE) | 0.2302% | 6,154 |
Retained earnings to average equity (ytd only) | 0.2302% | 5,091 |
Net charge-offs to loans | 0.0744% | 5,697 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 1.5000% | 5,352 |
Efficiency ratio | 98.6239% | 1,035 |
Assets per employee ($millions) | 1.2680% | 8,204 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2004% | 4,532 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 63.2886% | 5,406 |
Net loans and leases to deposits | 111.1496% | 757 |
Net loans and leases to core deposits | 111.1496% | 3,661 |
Total domestic deposits to total assets | 56.9401% | 8,040 |
Equity capital to assets | 34.4440% | 128 |
Core capital (leverage) ratio | 35.8444% | 132 |
Tier 1 risk-based capital ratio | 46.2854% | 247 |
Total risk-based capital ratio | 47.3276% | 248 |
Memoranda: | ||
Average total assets | $5,207,800 | 8,295 |
Average earning assets | $4,639,600 | 8,282 |
Average equity | $1,737,600 | 8,173 |
Average total loans | $2,687,000 | 8,223 |