Home > San Luis Valley Federal Bank > Performance and Condition Ratios
San Luis Valley Federal 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 | 4.3248% | 3,401 |
Cost of funding earning assets | 0.1829% | 4,452 |
Net interest margin | 4.1418% | 1,018 |
Noninterest income to average assets | 0.6700% | 1,291 |
Noninterest expense to average assets | 3.0535% | 1,034 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 1.1125% | 1,883 |
Return on assets (ROA) | 1.1125% | 1,858 |
Pretax return on assets | 1.4306% | 1,575 |
Return on Equity (ROE) | 8.6500% | 2,846 |
Retained earnings to average equity (ytd only) | 8.6511% | 1,353 |
Net charge-offs to loans | 0.0012% | 2,815 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 1,868.0000% | 86 |
Efficiency ratio | 68.0956% | 2,098 |
Assets per employee ($millions) | 6.0819% | 2,751 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1035% | 2,818 |
Loan loss allowance to noncurrent loans | 327.7123% | 1,914 |
Noncurrent assets plus other real estate owned to assets | 0.2213% | 2,114 |
Noncurrent loans to loans | 0.3367% | 1,973 |
Net loans and leases to total assets | 65.0000% | 2,367 |
Net loans and leases to deposits | 76.5371% | 2,399 |
Net loans and leases to core deposits | 78.5005% | 2,800 |
Total domestic deposits to total assets | 84.9300% | 2,334 |
Equity capital to assets | 13.9122% | 703 |
Core capital (leverage) ratio | 16.0111% | 487 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.4396% | 326 |
Memoranda: | ||
Average total assets | $391,712,800 | 2,039 |
Average earning assets | $360,829,400 | 2,040 |
Average equity | $50,375,200 | 1,598 |
Average total loans | $249,683,000 | 2,004 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2543% | 3,370 |
Cost of funding earning assets | 0.1691% | 4,465 |
Net interest margin | 4.0852% | 1,090 |
Noninterest income to average assets | 0.6500% | 1,345 |
Noninterest expense to average assets | 3.0220% | 1,043 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 1.0846% | 2,104 |
Return on assets (ROA) | 1.0846% | 2,089 |
Pretax return on assets | 1.3937% | 1,791 |
Return on Equity (ROE) | 8.6100% | 3,029 |
Retained earnings to average equity (ytd only) | 8.6053% | 1,792 |
Net charge-offs to loans | 0.0016% | 2,534 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 1,372.3333% | 118 |
Efficiency ratio | 68.4376% | 1,969 |
Assets per employee ($millions) | 6.3416% | 2,463 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1005% | 2,868 |
Loan loss allowance to noncurrent loans | 237.1160% | 2,297 |
Noncurrent assets plus other real estate owned to assets | 0.2981% | 1,819 |
Noncurrent loans to loans | 0.4641% | 1,661 |
Net loans and leases to total assets | 63.5200% | 2,502 |
Net loans and leases to deposits | 73.8436% | 2,580 |
Net loans and leases to core deposits | 75.7878% | 2,880 |
Total domestic deposits to total assets | 86.0100% | 2,190 |
Equity capital to assets | 12.7006% | 872 |
Core capital (leverage) ratio | 15.5342% | 555 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.3289% | 371 |
Memoranda: | ||
Average total assets | $393,851,000 | 2,029 |
Average earning assets | $362,729,500 | 2,034 |
Average equity | $49,642,500 | 1,605 |
Average total loans | $249,143,750 | 2,004 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1829% | 3,335 |
Cost of funding earning assets | 0.1537% | 4,472 |
Net interest margin | 4.0292% | 1,195 |
Noninterest income to average assets | 0.6400% | 1,305 |
Noninterest expense to average assets | 2.9441% | 1,137 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.0967% | 2,136 |
Return on assets (ROA) | 1.0967% | 2,127 |
Pretax return on assets | 1.4109% | 1,787 |
Return on Equity (ROE) | 8.7200% | 3,057 |
Retained earnings to average equity (ytd only) | 8.7234% | 1,756 |
Net charge-offs to loans | 0.0024% | 2,270 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 926.6667% | 164 |
Efficiency ratio | 67.6028% | 2,034 |
Assets per employee ($millions) | 6.1336% | 2,589 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1089% | 2,920 |
Loan loss allowance to noncurrent loans | 270.5940% | 2,266 |
Noncurrent assets plus other real estate owned to assets | 0.2701% | 1,856 |
Noncurrent loans to loans | 0.4098% | 1,702 |
Net loans and leases to total assets | 65.1700% | 2,255 |
Net loans and leases to deposits | 76.1300% | 2,302 |
Net loans and leases to core deposits | 78.2741% | 2,591 |
Total domestic deposits to total assets | 85.6000% | 2,360 |
Equity capital to assets | 13.2548% | 760 |
Core capital (leverage) ratio | 16.6867% | 412 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.3472% | 371 |
Memoranda: | ||
Average total assets | $394,075,000 | 2,026 |
Average earning assets | $362,951,333 | 2,033 |
Average equity | $49,544,667 | 1,608 |
Average total loans | $248,021,000 | 2,007 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0713% | 3,314 |
Cost of funding earning assets | 0.1351% | 4,484 |
Net interest margin | 3.9362% | 1,394 |
Noninterest income to average assets | 0.6200% | 1,354 |
Noninterest expense to average assets | 2.8650% | 1,304 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.0774% | 2,298 |
Return on assets (ROA) | 1.0774% | 2,269 |
Pretax return on assets | 1.3906% | 1,904 |
Return on Equity (ROE) | 8.8000% | 3,107 |
Retained earnings to average equity (ytd only) | 8.7959% | 2,005 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 67.3230% | 2,058 |
Assets per employee ($millions) | 6.2918% | 2,510 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1257% | 2,930 |
Loan loss allowance to noncurrent loans | 334.7774% | 2,072 |
Noncurrent assets plus other real estate owned to assets | 0.2096% | 2,090 |
Noncurrent loans to loans | 0.3363% | 1,944 |
Net loans and leases to total assets | 61.6400% | 2,496 |
Net loans and leases to deposits | 71.3204% | 2,521 |
Net loans and leases to core deposits | 73.1184% | 2,743 |
Total domestic deposits to total assets | 86.4300% | 2,462 |
Equity capital to assets | 12.5177% | 870 |
Core capital (leverage) ratio | 14.6987% | 626 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.3507% | 415 |
Memoranda: | ||
Average total assets | $400,970,500 | 2,037 |
Average earning assets | $370,100,000 | 2,035 |
Average equity | $49,114,000 | 1,634 |
Average total loans | $246,725,500 | 2,042 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6201% | 2,739 |
Cost of funding earning assets | 0.1318% | 4,220 |
Net interest margin | 3.4883% | 1,959 |
Noninterest income to average assets | 0.6000% | 1,644 |
Noninterest expense to average assets | 2.6305% | 1,733 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.9436% | 2,798 |
Return on assets (ROA) | 0.9436% | 2,740 |
Pretax return on assets | 1.2090% | 2,405 |
Return on Equity (ROE) | 7.7200% | 3,456 |
Retained earnings to average equity (ytd only) | 7.7196% | 1,951 |
Net charge-offs to loans | -0.0275% | 4,170 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 68.5106% | 1,899 |
Assets per employee ($millions) | 6.6485% | 2,219 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1294% | 2,743 |
Loan loss allowance to noncurrent loans | 335.5850% | 2,061 |
Noncurrent assets plus other real estate owned to assets | 0.2044% | 2,147 |
Noncurrent loans to loans | 0.3366% | 1,945 |
Net loans and leases to total assets | 60.0500% | 2,625 |
Net loans and leases to deposits | 68.9034% | 2,673 |
Net loans and leases to core deposits | 70.7740% | 2,816 |
Total domestic deposits to total assets | 87.1500% | 2,346 |
Equity capital to assets | 11.9860% | 940 |
Core capital (leverage) ratio | 14.2052% | 694 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.5954% | 440 |
Memoranda: | ||
Average total assets | $399,740,800 | 2,031 |
Average earning assets | $370,929,200 | 2,025 |
Average equity | $48,862,600 | 1,650 |
Average total loans | $239,873,200 | 2,002 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4828% | 2,673 |
Cost of funding earning assets | 0.1329% | 4,008 |
Net interest margin | 3.3499% | 2,140 |
Noninterest income to average assets | 0.6100% | 1,677 |
Noninterest expense to average assets | 2.6459% | 1,610 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.8426% | 3,090 |
Return on assets (ROA) | 0.8426% | 3,064 |
Pretax return on assets | 1.0739% | 2,798 |
Return on Equity (ROE) | 6.8600% | 3,619 |
Retained earnings to average equity (ytd only) | 6.8592% | 2,420 |
Net charge-offs to loans | -0.0369% | 4,213 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 71.1303% | 1,625 |
Assets per employee ($millions) | 6.6084% | 2,235 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1440% | 2,821 |
Loan loss allowance to noncurrent loans | 283.0112% | 2,249 |
Noncurrent assets plus other real estate owned to assets | 0.2439% | 2,007 |
Noncurrent loans to loans | 0.4042% | 1,810 |
Net loans and leases to total assets | 59.6300% | 2,546 |
Net loans and leases to deposits | 68.2055% | 2,520 |
Net loans and leases to core deposits | 70.1733% | 2,627 |
Total domestic deposits to total assets | 87.4300% | 2,618 |
Equity capital to assets | 11.5191% | 1,005 |
Core capital (leverage) ratio | 13.6101% | 754 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.1074% | 484 |
Memoranda: | ||
Average total assets | $398,286,500 | 2,046 |
Average earning assets | $370,147,500 | 2,040 |
Average equity | $48,925,750 | 1,669 |
Average total loans | $238,261,750 | 2,005 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3121% | 2,699 |
Cost of funding earning assets | 0.1326% | 3,808 |
Net interest margin | 3.1796% | 2,256 |
Noninterest income to average assets | 0.6111% | 1,691 |
Noninterest expense to average assets | 2.6324% | 1,551 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.7427% | 3,165 |
Return on assets (ROA) | 0.7427% | 3,122 |
Pretax return on assets | 0.9408% | 2,923 |
Return on Equity (ROE) | 5.9209% | 3,597 |
Retained earnings to average equity (ytd only) | 5.9209% | 2,359 |
Net charge-offs to loans | -0.0558% | 4,279 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.6701% | 1,551 |
Assets per employee ($millions) | 6.5809% | 2,256 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1729% | 2,831 |
Loan loss allowance to noncurrent loans | 266.9866% | 2,292 |
Noncurrent assets plus other real estate owned to assets | 0.2596% | 2,013 |
Noncurrent loans to loans | 0.4393% | 1,802 |
Net loans and leases to total assets | 58.3928% | 2,487 |
Net loans and leases to deposits | 66.8670% | 2,479 |
Net loans and leases to core deposits | 69.0387% | 2,563 |
Total domestic deposits to total assets | 87.3267% | 2,818 |
Equity capital to assets | 11.7314% | 955 |
Core capital (leverage) ratio | 14.9060% | 484 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.0363% | 476 |
Memoranda: | ||
Average total assets | $396,677,333 | 2,064 |
Average earning assets | $369,549,000 | 2,064 |
Average equity | $49,756,000 | 1,690 |
Average total loans | $236,622,667 | 2,015 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2569% | 2,510 |
Cost of funding earning assets | 0.1337% | 3,721 |
Net interest margin | 3.1232% | 2,098 |
Noninterest income to average assets | 0.5935% | 1,718 |
Noninterest expense to average assets | 2.6325% | 1,516 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.6898% | 3,095 |
Return on assets (ROA) | 0.6898% | 3,085 |
Pretax return on assets | 0.8765% | 2,868 |
Return on Equity (ROE) | 5.3243% | 3,536 |
Retained earnings to average equity (ytd only) | 5.3243% | 2,470 |
Net charge-offs to loans | -0.1117% | 4,486 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.0217% | 1,631 |
Assets per employee ($millions) | 6.2946% | 2,561 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1722% | 2,994 |
Loan loss allowance to noncurrent loans | 312.9359% | 2,035 |
Noncurrent assets plus other real estate owned to assets | 0.2242% | 2,306 |
Noncurrent loans to loans | 0.3746% | 2,146 |
Net loans and leases to total assets | 59.1458% | 2,172 |
Net loans and leases to deposits | 68.2627% | 2,125 |
Net loans and leases to core deposits | 70.4499% | 2,254 |
Total domestic deposits to total assets | 86.6444% | 3,050 |
Equity capital to assets | 12.5510% | 794 |
Core capital (leverage) ratio | 13.8064% | 612 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.9612% | 495 |
Memoranda: | ||
Average total assets | $394,298,500 | 2,077 |
Average earning assets | $368,078,500 | 2,083 |
Average equity | $51,087,000 | 1,707 |
Average total loans | $236,338,500 | 2,008 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5179% | 2,606 |
Cost of funding earning assets | 0.1649% | 3,818 |
Net interest margin | 3.3531% | 2,154 |
Noninterest income to average assets | 0.6726% | 1,860 |
Noninterest expense to average assets | 2.7472% | 1,486 |
Loan and lease loss provision to assets | 0.0625% | 1,818 |
Net operating income to assets | 0.7687% | 3,428 |
Return on assets (ROA) | 0.7687% | 3,491 |
Pretax return on assets | 0.9751% | 3,331 |
Return on Equity (ROE) | 5.3867% | 3,912 |
Retained earnings to average equity (ytd only) | 5.3867% | 2,626 |
Net charge-offs to loans | -0.0492% | 4,318 |
Credit loss provision to net charge-offs | -199.1150% | 3,506 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.5859% | 1,446 |
Assets per employee ($millions) | 6.0314% | 2,735 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1540% | 3,108 |
Loan loss allowance to noncurrent loans | 240.9938% | 2,349 |
Noncurrent assets plus other real estate owned to assets | 0.2875% | 2,096 |
Noncurrent loans to loans | 0.4789% | 1,933 |
Net loans and leases to total assets | 59.3389% | 2,226 |
Net loans and leases to deposits | 69.0447% | 2,218 |
Net loans and leases to core deposits | 71.0684% | 2,347 |
Total domestic deposits to total assets | 85.9427% | 2,932 |
Equity capital to assets | 13.3666% | 802 |
Core capital (leverage) ratio | 13.9051% | 632 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.9976% | 492 |
Memoranda: | ||
Average total assets | $360,071,600 | 2,152 |
Average earning assets | $334,201,800 | 2,166 |
Average equity | $51,386,200 | 1,723 |
Average total loans | $229,447,600 | 2,052 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6154% | 2,511 |
Cost of funding earning assets | 0.1742% | 3,880 |
Net interest margin | 3.4412% | 2,038 |
Noninterest income to average assets | 0.6726% | 1,919 |
Noninterest expense to average assets | 2.8421% | 1,240 |
Loan and lease loss provision to assets | 0.0852% | 1,400 |
Net operating income to assets | 0.7366% | 3,682 |
Return on assets (ROA) | 0.7366% | 3,745 |
Pretax return on assets | 0.9320% | 3,628 |
Return on Equity (ROE) | 5.0717% | 4,105 |
Retained earnings to average equity (ytd only) | 5.0717% | 3,192 |
Net charge-offs to loans | -0.0678% | 4,472 |
Credit loss provision to net charge-offs | -193.9655% | 3,382 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.6434% | 1,248 |
Assets per employee ($millions) | 5.8326% | 2,851 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1569% | 3,182 |
Loan loss allowance to noncurrent loans | 228.4874% | 2,366 |
Noncurrent assets plus other real estate owned to assets | 0.3188% | 2,178 |
Noncurrent loans to loans | 0.5063% | 2,043 |
Net loans and leases to total assets | 62.2317% | 1,978 |
Net loans and leases to deposits | 73.1328% | 1,946 |
Net loans and leases to core deposits | 75.3485% | 2,112 |
Total domestic deposits to total assets | 85.0941% | 3,081 |
Equity capital to assets | 13.9642% | 743 |
Core capital (leverage) ratio | 15.3179% | 449 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.1098% | 530 |
Memoranda: | ||
Average total assets | $352,080,000 | 2,204 |
Average earning assets | $326,044,500 | 2,224 |
Average equity | $51,132,250 | 1,747 |
Average total loans | $227,972,750 | 2,095 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7126% | 2,297 |
Cost of funding earning assets | 0.1838% | 3,915 |
Net interest margin | 3.5288% | 1,778 |
Noninterest income to average assets | 0.6562% | 1,984 |
Noninterest expense to average assets | 2.8556% | 1,242 |
Loan and lease loss provision to assets | 0.1304% | 955 |
Net operating income to assets | 0.7339% | 3,673 |
Return on assets (ROA) | 0.7339% | 3,743 |
Pretax return on assets | 0.9310% | 3,595 |
Return on Equity (ROE) | 4.9842% | 4,125 |
Retained earnings to average equity (ytd only) | 4.9842% | 3,189 |
Net charge-offs to loans | -0.1019% | 4,632 |
Credit loss provision to net charge-offs | -195.6522% | 3,196 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.9022% | 1,342 |
Assets per employee ($millions) | 5.6479% | 2,963 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1738% | 3,082 |
Loan loss allowance to noncurrent loans | 229.8394% | 2,269 |
Noncurrent assets plus other real estate owned to assets | 0.3471% | 2,205 |
Noncurrent loans to loans | 0.5107% | 2,144 |
Net loans and leases to total assets | 64.3387% | 1,906 |
Net loans and leases to deposits | 75.9913% | 1,819 |
Net loans and leases to core deposits | 78.4189% | 2,011 |
Total domestic deposits to total assets | 84.6658% | 3,231 |
Equity capital to assets | 14.4424% | 632 |
Core capital (leverage) ratio | 15.9089% | 383 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.4041% | 518 |
Memoranda: | ||
Average total assets | $345,010,333 | 2,230 |
Average earning assets | $318,802,000 | 2,245 |
Average equity | $50,800,667 | 1,750 |
Average total loans | $225,622,667 | 2,120 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7304% | 2,289 |
Cost of funding earning assets | 0.1935% | 3,970 |
Net interest margin | 3.5368% | 1,731 |
Noninterest income to average assets | 0.6384% | 2,069 |
Noninterest expense to average assets | 2.8445% | 1,272 |
Loan and lease loss provision to assets | 0.2061% | 586 |
Net operating income to assets | 0.6784% | 3,760 |
Return on assets (ROA) | 0.6784% | 3,825 |
Pretax return on assets | 0.8598% | 3,694 |
Return on Equity (ROE) | 4.5618% | 4,176 |
Retained earnings to average equity (ytd only) | 4.5618% | 3,349 |
Net charge-offs to loans | -0.2030% | 4,786 |
Credit loss provision to net charge-offs | -154.8673% | 2,908 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.7410% | 1,426 |
Assets per employee ($millions) | 5.3325% | 3,301 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1760% | 3,060 |
Loan loss allowance to noncurrent loans | 183.2302% | 2,513 |
Noncurrent assets plus other real estate owned to assets | 0.4463% | 2,048 |
Noncurrent loans to loans | 0.6418% | 1,964 |
Net loans and leases to total assets | 64.6363% | 1,964 |
Net loans and leases to deposits | 76.5252% | 1,848 |
Net loans and leases to core deposits | 78.8995% | 2,101 |
Total domestic deposits to total assets | 84.4640% | 3,295 |
Equity capital to assets | 14.6217% | 555 |
Core capital (leverage) ratio | 15.1230% | 460 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.4788% | 482 |
Memoranda: | ||
Average total assets | $339,605,500 | 2,240 |
Average earning assets | $314,179,000 | 2,251 |
Average equity | $50,506,500 | 1,747 |
Average total loans | $222,609,500 | 2,136 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0927% | 2,442 |
Cost of funding earning assets | 0.2835% | 4,228 |
Net interest margin | 3.8093% | 1,475 |
Noninterest income to average assets | 0.6489% | 2,033 |
Noninterest expense to average assets | 3.0931% | 1,248 |
Loan and lease loss provision to assets | 0.1754% | 2,192 |
Net operating income to assets | 0.7153% | 3,384 |
Return on assets (ROA) | 0.7153% | 3,515 |
Pretax return on assets | 0.9016% | 3,359 |
Return on Equity (ROE) | 4.5304% | 4,018 |
Retained earnings to average equity (ytd only) | 4.5304% | 2,514 |
Net charge-offs to loans | 0.0005% | 3,421 |
Credit loss provision to net charge-offs | 54,500.0000% | 17 |
Earnings coverage of net charge-offs (x) | 3,346.0000% | 27 |
Efficiency ratio | 74.1721% | 1,419 |
Assets per employee ($millions) | 5.1968% | 3,164 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0883% | 3,519 |
Loan loss allowance to noncurrent loans | 164.6814% | 2,666 |
Noncurrent assets plus other real estate owned to assets | 0.4618% | 2,177 |
Noncurrent loans to loans | 0.6608% | 2,028 |
Net loans and leases to total assets | 64.9845% | 2,230 |
Net loans and leases to deposits | 77.2403% | 2,152 |
Net loans and leases to core deposits | 79.6735% | 2,396 |
Total domestic deposits to total assets | 84.1330% | 3,076 |
Equity capital to assets | 15.1331% | 554 |
Core capital (leverage) ratio | 15.2559% | 471 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.9658% | 438 |
Memoranda: | ||
Average total assets | $310,659,600 | 2,237 |
Average earning assets | $287,169,200 | 2,244 |
Average equity | $49,046,000 | 1,725 |
Average total loans | $211,974,000 | 2,152 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1181% | 2,629 |
Cost of funding earning assets | 0.3055% | 4,288 |
Net interest margin | 3.8126% | 1,584 |
Noninterest income to average assets | 0.6409% | 2,018 |
Noninterest expense to average assets | 3.1256% | 1,190 |
Loan and lease loss provision to assets | 0.1399% | 2,619 |
Net operating income to assets | 0.7423% | 3,308 |
Return on assets (ROA) | 0.7423% | 3,411 |
Pretax return on assets | 0.8974% | 3,390 |
Return on Equity (ROE) | 4.6492% | 3,984 |
Retained earnings to average equity (ytd only) | 4.6492% | 2,722 |
Net charge-offs to loans | 0.0013% | 3,178 |
Credit loss provision to net charge-offs | 16,000.0000% | 84 |
Earnings coverage of net charge-offs (x) | 1,187.0000% | 99 |
Efficiency ratio | 75.0840% | 1,291 |
Assets per employee ($millions) | 4.9897% | 3,262 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9735% | 3,806 |
Loan loss allowance to noncurrent loans | 176.8283% | 2,415 |
Noncurrent assets plus other real estate owned to assets | 0.4196% | 2,489 |
Noncurrent loans to loans | 0.5505% | 2,418 |
Net loans and leases to total assets | 67.4948% | 2,318 |
Net loans and leases to deposits | 80.5923% | 2,250 |
Net loans and leases to core deposits | 83.1247% | 2,570 |
Total domestic deposits to total assets | 83.7485% | 2,910 |
Equity capital to assets | 15.3678% | 560 |
Core capital (leverage) ratio | 15.5142% | 466 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.3409% | 435 |
Memoranda: | ||
Average total assets | $305,175,500 | 2,247 |
Average earning assets | $281,901,000 | 2,262 |
Average equity | $48,724,500 | 1,726 |
Average total loans | $210,339,000 | 2,162 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1907% | 2,795 |
Cost of funding earning assets | 0.3339% | 4,343 |
Net interest margin | 3.8568% | 1,674 |
Noninterest income to average assets | 0.6158% | 2,073 |
Noninterest expense to average assets | 3.1862% | 1,189 |
Loan and lease loss provision to assets | 0.0803% | 3,285 |
Net operating income to assets | 0.7457% | 3,225 |
Return on assets (ROA) | 0.7457% | 3,339 |
Pretax return on assets | 0.9057% | 3,297 |
Return on Equity (ROE) | 4.6079% | 3,945 |
Retained earnings to average equity (ytd only) | 4.6079% | 2,657 |
Net charge-offs to loans | 0.0019% | 2,949 |
Credit loss provision to net charge-offs | 6,000.0000% | 192 |
Earnings coverage of net charge-offs (x) | 736.5000% | 131 |
Efficiency ratio | 76.3677% | 1,228 |
Assets per employee ($millions) | 4.8794% | 3,332 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9098% | 3,959 |
Loan loss allowance to noncurrent loans | 107.8453% | 3,113 |
Noncurrent assets plus other real estate owned to assets | 0.7428% | 1,662 |
Noncurrent loans to loans | 0.8436% | 1,807 |
Net loans and leases to total assets | 67.0299% | 2,494 |
Net loans and leases to deposits | 80.2573% | 2,394 |
Net loans and leases to core deposits | 82.8360% | 2,711 |
Total domestic deposits to total assets | 83.5187% | 2,921 |
Equity capital to assets | 15.5672% | 533 |
Core capital (leverage) ratio | 17.2900% | 324 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.4982% | 426 |
Memoranda: | ||
Average total assets | $298,789,667 | 2,262 |
Average earning assets | $275,514,667 | 2,279 |
Average equity | $48,351,667 | 1,722 |
Average total loans | $206,765,333 | 2,170 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3915% | 2,651 |
Cost of funding earning assets | 0.3810% | 4,423 |
Net interest margin | 4.0105% | 1,363 |
Noninterest income to average assets | 0.6768% | 1,743 |
Noninterest expense to average assets | 3.2983% | 1,231 |
Loan and lease loss provision to assets | 0.0138% | 3,610 |
Net operating income to assets | 0.8619% | 2,650 |
Return on assets (ROA) | 0.8619% | 2,755 |
Pretax return on assets | 1.0580% | 2,646 |
Return on Equity (ROE) | 5.2173% | 3,564 |
Retained earnings to average equity (ytd only) | 5.2173% | 2,186 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.4741% | 1,624 |
Assets per employee ($millions) | 4.2910% | 3,541 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9055% | 4,086 |
Loan loss allowance to noncurrent loans | 101.4301% | 3,223 |
Noncurrent assets plus other real estate owned to assets | 0.7906% | 1,715 |
Noncurrent loans to loans | 0.8927% | 1,828 |
Net loans and leases to total assets | 70.1917% | 2,219 |
Net loans and leases to deposits | 85.1276% | 2,098 |
Net loans and leases to core deposits | 88.5418% | 2,481 |
Total domestic deposits to total assets | 82.4546% | 3,276 |
Equity capital to assets | 16.7680% | 470 |
Core capital (leverage) ratio | 16.9296% | 422 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.8694% | 451 |
Memoranda: | ||
Average total assets | $289,604,500 | 2,266 |
Average earning assets | $266,699,500 | 2,277 |
Average equity | $47,841,000 | 1,726 |
Average total loans | $202,876,000 | 2,162 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4022% | 3,243 |
Cost of funding earning assets | 0.3752% | 4,521 |
Net interest margin | 4.0270% | 1,766 |
Noninterest income to average assets | 0.7052% | 1,798 |
Noninterest expense to average assets | 3.3243% | 1,252 |
Loan and lease loss provision to assets | 0.0942% | 2,152 |
Net operating income to assets | 0.7784% | 3,617 |
Return on assets (ROA) | 0.7784% | 3,694 |
Pretax return on assets | 0.9792% | 3,518 |
Return on Equity (ROE) | 4.7246% | 4,291 |
Retained earnings to average equity (ytd only) | 4.7246% | 2,569 |
Net charge-offs to loans | 0.0010% | 3,691 |
Credit loss provision to net charge-offs | 13,250.0000% | 30 |
Earnings coverage of net charge-offs (x) | 1,510.0000% | 57 |
Efficiency ratio | 75.5920% | 1,406 |
Assets per employee ($millions) | 4.4198% | 3,345 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9074% | 3,927 |
Loan loss allowance to noncurrent loans | 103.7917% | 3,230 |
Noncurrent assets plus other real estate owned to assets | 0.7981% | 1,624 |
Noncurrent loans to loans | 0.8743% | 1,752 |
Net loans and leases to total assets | 68.6551% | 2,590 |
Net loans and leases to deposits | 82.6980% | 2,475 |
Net loans and leases to core deposits | 85.9272% | 2,794 |
Total domestic deposits to total assets | 83.0190% | 3,184 |
Equity capital to assets | 16.2744% | 559 |
Core capital (leverage) ratio | 16.8810% | 427 |
Tier 1 risk-based capital ratio | 23.2191% | 897 |
Total risk-based capital ratio | 24.1144% | 904 |
Memoranda: | ||
Average total assets | $281,352,400 | 2,269 |
Average earning assets | $257,986,800 | 2,287 |
Average equity | $46,352,800 | 1,710 |
Average total loans | $190,504,000 | 2,228 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4122% | 3,312 |
Cost of funding earning assets | 0.3686% | 4,604 |
Net interest margin | 4.0435% | 1,792 |
Noninterest income to average assets | 0.7088% | 1,743 |
Noninterest expense to average assets | 3.3963% | 1,101 |
Loan and lease loss provision to assets | 0.0335% | 3,241 |
Net operating income to assets | 0.7820% | 3,731 |
Return on assets (ROA) | 0.7820% | 3,800 |
Pretax return on assets | 0.9829% | 3,643 |
Return on Equity (ROE) | 4.7316% | 4,411 |
Retained earnings to average equity (ytd only) | 4.7316% | 3,038 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.9673% | 1,226 |
Assets per employee ($millions) | 4.2497% | 3,551 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8233% | 4,335 |
Loan loss allowance to noncurrent loans | 103.5962% | 3,263 |
Noncurrent assets plus other real estate owned to assets | 0.8984% | 1,508 |
Noncurrent loans to loans | 0.7947% | 1,991 |
Net loans and leases to total assets | 69.4737% | 2,556 |
Net loans and leases to deposits | 84.2947% | 2,422 |
Net loans and leases to core deposits | 87.5933% | 2,770 |
Total domestic deposits to total assets | 82.4176% | 3,352 |
Equity capital to assets | 16.6243% | 536 |
Core capital (leverage) ratio | 17.0506% | 436 |
Tier 1 risk-based capital ratio | 23.2672% | 919 |
Total risk-based capital ratio | 24.0713% | 945 |
Memoranda: | ||
Average total assets | $278,763,250 | 2,297 |
Average earning assets | $255,348,000 | 2,313 |
Average equity | $46,072,500 | 1,717 |
Average total loans | $187,603,250 | 2,279 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3321% | 3,537 |
Cost of funding earning assets | 0.3521% | 4,671 |
Net interest margin | 3.9800% | 1,985 |
Noninterest income to average assets | 0.6655% | 1,851 |
Noninterest expense to average assets | 3.3558% | 1,182 |
Loan and lease loss provision to assets | 0.0289% | 3,240 |
Net operating income to assets | 0.7371% | 3,875 |
Return on assets (ROA) | 0.7371% | 3,933 |
Pretax return on assets | 0.9242% | 3,779 |
Return on Equity (ROE) | 4.4686% | 4,476 |
Retained earnings to average equity (ytd only) | 4.4686% | 3,032 |
Net charge-offs to loans | -0.0011% | 3,903 |
Credit loss provision to net charge-offs | -4,000.0000% | 4,463 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.8803% | 1,166 |
Assets per employee ($millions) | 4.1361% | 3,673 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8487% | 4,269 |
Loan loss allowance to noncurrent loans | 97.1084% | 3,382 |
Noncurrent assets plus other real estate owned to assets | 0.9902% | 1,404 |
Noncurrent loans to loans | 0.8740% | 1,852 |
Net loans and leases to total assets | 66.9563% | 2,967 |
Net loans and leases to deposits | 81.1053% | 2,836 |
Net loans and leases to core deposits | 84.0778% | 3,105 |
Total domestic deposits to total assets | 82.5548% | 3,354 |
Equity capital to assets | 16.5855% | 520 |
Core capital (leverage) ratio | 17.2268% | 406 |
Tier 1 risk-based capital ratio | 23.9618% | 849 |
Total risk-based capital ratio | 24.7855% | 868 |
Memoranda: | ||
Average total assets | $276,775,000 | 2,315 |
Average earning assets | $253,367,330 | 2,339 |
Average equity | $45,652,000 | 1,722 |
Average total loans | $183,653,330 | 2,312 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2685% | 3,649 |
Cost of funding earning assets | 0.3252% | 4,754 |
Net interest margin | 3.9433% | 2,053 |
Noninterest income to average assets | 0.6411% | 1,857 |
Noninterest expense to average assets | 3.2681% | 1,352 |
Loan and lease loss provision to assets | 0.0146% | 3,244 |
Net operating income to assets | 0.7664% | 3,724 |
Return on assets (ROA) | 0.7664% | 3,770 |
Pretax return on assets | 0.9631% | 3,574 |
Return on Equity (ROE) | 4.6596% | 4,419 |
Retained earnings to average equity (ytd only) | 4.6596% | 3,055 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.9732% | 1,380 |
Assets per employee ($millions) | 4.1439% | 3,706 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8701% | 4,270 |
Loan loss allowance to noncurrent loans | 94.1597% | 3,468 |
Noncurrent assets plus other real estate owned to assets | 1.0454% | 1,327 |
Noncurrent loans to loans | 0.9241% | 1,807 |
Net loans and leases to total assets | 65.8178% | 3,083 |
Net loans and leases to deposits | 79.7955% | 2,862 |
Net loans and leases to core deposits | 82.7974% | 3,121 |
Total domestic deposits to total assets | 82.4831% | 3,587 |
Equity capital to assets | 16.6726% | 482 |
Core capital (leverage) ratio | 17.1329% | 413 |
Tier 1 risk-based capital ratio | 24.5997% | 791 |
Total risk-based capital ratio | 25.4374% | 808 |
Memoranda: | ||
Average total assets | $274,533,500 | 2,344 |
Average earning assets | $250,954,500 | 2,374 |
Average equity | $45,154,000 | 1,728 |
Average total loans | $180,514,000 | 2,366 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1072% | 3,722 |
Cost of funding earning assets | 0.2406% | 4,845 |
Net interest margin | 3.8665% | 2,436 |
Noninterest income to average assets | 0.6821% | 1,924 |
Noninterest expense to average assets | 3.1271% | 1,735 |
Loan and lease loss provision to assets | 0.0111% | 3,912 |
Net operating income to assets | 0.8581% | 3,583 |
Return on assets (ROA) | 0.8581% | 3,582 |
Pretax return on assets | 1.0843% | 3,331 |
Return on Equity (ROE) | 5.3337% | 4,374 |
Retained earnings to average equity (ytd only) | 5.3337% | 2,574 |
Net charge-offs to loans | 0.0006% | 3,766 |
Credit loss provision to net charge-offs | 3,000.0000% | 162 |
Earnings coverage of net charge-offs (x) | 2,958.0000% | 27 |
Efficiency ratio | 74.0572% | 1,619 |
Assets per employee ($millions) | 4.3741% | 3,337 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8749% | 4,277 |
Loan loss allowance to noncurrent loans | 89.3060% | 3,592 |
Noncurrent assets plus other real estate owned to assets | 1.1511% | 1,150 |
Noncurrent loans to loans | 0.9797% | 1,659 |
Net loans and leases to total assets | 64.5456% | 3,293 |
Net loans and leases to deposits | 77.6799% | 3,204 |
Net loans and leases to core deposits | 80.5515% | 3,389 |
Total domestic deposits to total assets | 83.0918% | 3,297 |
Equity capital to assets | 16.2241% | 501 |
Core capital (leverage) ratio | 16.9587% | 411 |
Tier 1 risk-based capital ratio | 20.5991% | 1,209 |
Total risk-based capital ratio | 21.3041% | 1,269 |
Memoranda: | ||
Average total assets | $270,029,200 | 2,334 |
Average earning assets | $247,249,600 | 2,359 |
Average equity | $43,440,600 | 1,720 |
Average total loans | $172,945,200 | 2,412 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0604% | 3,757 |
Cost of funding earning assets | 0.2236% | 4,924 |
Net interest margin | 3.8368% | 2,505 |
Noninterest income to average assets | 0.6656% | 2,000 |
Noninterest expense to average assets | 3.0647% | 1,846 |
Loan and lease loss provision to assets | 0.0149% | 3,714 |
Net operating income to assets | 0.8715% | 3,654 |
Return on assets (ROA) | 0.8715% | 3,658 |
Pretax return on assets | 1.1033% | 3,385 |
Return on Equity (ROE) | 5.4292% | 4,438 |
Retained earnings to average equity (ytd only) | 5.4292% | 2,994 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.2677% | 1,688 |
Assets per employee ($millions) | 4.3727% | 3,321 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8978% | 4,274 |
Loan loss allowance to noncurrent loans | 93.9629% | 3,573 |
Noncurrent assets plus other real estate owned to assets | 1.1457% | 1,241 |
Noncurrent loans to loans | 0.9555% | 1,781 |
Net loans and leases to total assets | 64.0031% | 3,426 |
Net loans and leases to deposits | 77.2275% | 3,302 |
Net loans and leases to core deposits | 80.4537% | 3,459 |
Total domestic deposits to total assets | 82.8761% | 3,348 |
Equity capital to assets | 16.1327% | 520 |
Core capital (leverage) ratio | 17.0029% | 420 |
Tier 1 risk-based capital ratio | 24.4138% | 804 |
Total risk-based capital ratio | 25.2608% | 825 |
Memoranda: | ||
Average total assets | $268,643,750 | 2,353 |
Average earning assets | $246,273,000 | 2,373 |
Average equity | $43,123,500 | 1,734 |
Average total loans | $171,321,750 | 2,439 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9869% | 3,824 |
Cost of funding earning assets | 0.2107% | 4,973 |
Net interest margin | 3.7762% | 2,649 |
Noninterest income to average assets | 0.6706% | 2,001 |
Noninterest expense to average assets | 3.0244% | 1,982 |
Loan and lease loss provision to assets | 0.0224% | 3,469 |
Net operating income to assets | 0.8595% | 3,630 |
Return on assets (ROA) | 0.8595% | 3,626 |
Pretax return on assets | 1.0903% | 3,353 |
Return on Equity (ROE) | 5.3636% | 4,440 |
Retained earnings to average equity (ytd only) | 5.3636% | 2,896 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.1047% | 1,833 |
Assets per employee ($millions) | 4.5147% | 3,110 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9039% | 4,319 |
Loan loss allowance to noncurrent loans | 90.0344% | 3,649 |
Noncurrent assets plus other real estate owned to assets | 1.2272% | 1,166 |
Noncurrent loans to loans | 1.0040% | 1,743 |
Net loans and leases to total assets | 64.6972% | 3,319 |
Net loans and leases to deposits | 78.0735% | 3,153 |
Net loans and leases to core deposits | 81.4887% | 3,287 |
Total domestic deposits to total assets | 82.8671% | 3,448 |
Equity capital to assets | 16.2252% | 470 |
Core capital (leverage) ratio | 17.0427% | 393 |
Tier 1 risk-based capital ratio | 23.9830% | 838 |
Total risk-based capital ratio | 24.8263% | 846 |
Memoranda: | ||
Average total assets | $267,822,670 | 2,367 |
Average earning assets | $245,854,330 | 2,388 |
Average equity | $42,919,000 | 1,745 |
Average total loans | $170,066,000 | 2,463 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8935% | 3,946 |
Cost of funding earning assets | 0.1973% | 5,035 |
Net interest margin | 3.6963% | 2,813 |
Noninterest income to average assets | 0.6494% | 2,033 |
Noninterest expense to average assets | 2.9283% | 2,263 |
Loan and lease loss provision to assets | 0.0447% | 2,873 |
Net operating income to assets | 0.8460% | 3,521 |
Return on assets (ROA) | 0.8460% | 3,537 |
Pretax return on assets | 1.0814% | 3,241 |
Return on Equity (ROE) | 5.3123% | 4,384 |
Retained earnings to average equity (ytd only) | 5.3123% | 3,033 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.2263% | 2,159 |
Assets per employee ($millions) | 4.6129% | 2,985 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9203% | 4,354 |
Loan loss allowance to noncurrent loans | 95.0998% | 3,543 |
Noncurrent assets plus other real estate owned to assets | 1.1640% | 1,317 |
Noncurrent loans to loans | 0.9677% | 1,883 |
Net loans and leases to total assets | 62.1838% | 3,526 |
Net loans and leases to deposits | 74.4926% | 3,367 |
Net loans and leases to core deposits | 77.6582% | 3,526 |
Total domestic deposits to total assets | 83.4765% | 3,512 |
Equity capital to assets | 15.7137% | 534 |
Core capital (leverage) ratio | 16.8717% | 399 |
Tier 1 risk-based capital ratio | 24.3213% | 814 |
Total risk-based capital ratio | 25.1878% | 827 |
Memoranda: | ||
Average total assets | $268,549,000 | 2,379 |
Average earning assets | $247,384,000 | 2,404 |
Average equity | $42,769,000 | 1,762 |
Average total loans | $168,146,000 | 2,493 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7712% | 4,142 |
Cost of funding earning assets | 0.1870% | 5,048 |
Net interest margin | 3.5842% | 3,225 |
Noninterest income to average assets | 0.6688% | 2,097 |
Noninterest expense to average assets | 2.9078% | 2,429 |
Loan and lease loss provision to assets | 0.0075% | 4,115 |
Net operating income to assets | 0.6683% | 3,735 |
Return on assets (ROA) | 0.6031% | 4,032 |
Pretax return on assets | 0.9626% | 3,693 |
Return on Equity (ROE) | 3.7850% | 4,566 |
Retained earnings to average equity (ytd only) | 3.7850% | 2,955 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.0642% | 2,054 |
Assets per employee ($millions) | 4.4904% | 3,199 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9318% | 4,307 |
Loan loss allowance to noncurrent loans | 89.1845% | 3,728 |
Noncurrent assets plus other real estate owned to assets | 1.2675% | 1,150 |
Noncurrent loans to loans | 1.0449% | 1,703 |
Net loans and leases to total assets | 61.8781% | 3,640 |
Net loans and leases to deposits | 74.3794% | 3,492 |
Net loans and leases to core deposits | 77.4910% | 3,628 |
Total domestic deposits to total assets | 83.1924% | 3,499 |
Equity capital to assets | 16.1440% | 497 |
Core capital (leverage) ratio | 16.7389% | 387 |
Tier 1 risk-based capital ratio | 24.6484% | 761 |
Total risk-based capital ratio | 25.5210% | 777 |
Memoranda: | ||
Average total assets | $265,118,600 | 2,369 |
Average earning assets | $244,908,000 | 2,383 |
Average equity | $42,246,200 | 1,763 |
Average total loans | $160,877,000 | 2,539 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7233% | 4,259 |
Cost of funding earning assets | 0.1861% | 5,087 |
Net interest margin | 3.5372% | 3,359 |
Noninterest income to average assets | 0.6667% | 2,137 |
Noninterest expense to average assets | 2.8067% | 2,699 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.7804% | 3,599 |
Return on assets (ROA) | 0.7804% | 3,651 |
Pretax return on assets | 1.1283% | 3,190 |
Return on Equity (ROE) | 4.9134% | 4,559 |
Retained earnings to average equity (ytd only) | 4.9134% | 2,945 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.3263% | 2,320 |
Assets per employee ($millions) | 4.6063% | 2,967 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9416% | 4,370 |
Loan loss allowance to noncurrent loans | 83.8567% | 3,828 |
Noncurrent assets plus other real estate owned to assets | 1.2296% | 1,326 |
Noncurrent loans to loans | 1.1229% | 1,715 |
Net loans and leases to total assets | 59.9293% | 3,874 |
Net loans and leases to deposits | 72.2589% | 3,744 |
Net loans and leases to core deposits | 75.1791% | 3,872 |
Total domestic deposits to total assets | 82.9370% | 3,477 |
Equity capital to assets | 16.1370% | 516 |
Core capital (leverage) ratio | 16.6640% | 410 |
Tier 1 risk-based capital ratio | 25.0927% | 741 |
Total risk-based capital ratio | 25.9705% | 769 |
Memoranda: | ||
Average total assets | $265,164,750 | 2,391 |
Average earning assets | $245,008,500 | 2,397 |
Average equity | $42,115,000 | 1,784 |
Average total loans | $159,726,750 | 2,567 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7085% | 4,204 |
Cost of funding earning assets | 0.1840% | 5,107 |
Net interest margin | 3.5245% | 3,311 |
Noninterest income to average assets | 0.6677% | 2,135 |
Noninterest expense to average assets | 2.8182% | 2,688 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.7796% | 3,489 |
Return on assets (ROA) | 0.7796% | 3,542 |
Pretax return on assets | 1.1093% | 3,140 |
Return on Equity (ROE) | 4.9351% | 4,501 |
Retained earnings to average equity (ytd only) | 4.9351% | 2,753 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.7559% | 2,390 |
Assets per employee ($millions) | 4.5973% | 2,950 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9533% | 4,399 |
Loan loss allowance to noncurrent loans | 92.7483% | 3,694 |
Noncurrent assets plus other real estate owned to assets | 1.1834% | 1,442 |
Noncurrent loans to loans | 1.0279% | 1,909 |
Net loans and leases to total assets | 60.3430% | 3,813 |
Net loans and leases to deposits | 72.7777% | 3,667 |
Net loans and leases to core deposits | 75.9102% | 3,782 |
Total domestic deposits to total assets | 82.9141% | 3,596 |
Equity capital to assets | 16.2646% | 502 |
Core capital (leverage) ratio | 16.6261% | 405 |
Tier 1 risk-based capital ratio | 25.1142% | 738 |
Total risk-based capital ratio | 26.0034% | 756 |
Memoranda: | ||
Average total assets | $264,497,000 | 2,411 |
Average earning assets | $244,630,330 | 2,412 |
Average equity | $41,782,330 | 1,791 |
Average total loans | $159,091,000 | 2,576 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6744% | 4,186 |
Cost of funding earning assets | 0.1838% | 5,122 |
Net interest margin | 3.4906% | 3,305 |
Noninterest income to average assets | 0.6232% | 2,303 |
Noninterest expense to average assets | 2.7322% | 3,024 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.7843% | 3,287 |
Return on assets (ROA) | 0.7843% | 3,344 |
Pretax return on assets | 1.1215% | 2,900 |
Return on Equity (ROE) | 5.0383% | 4,377 |
Retained earnings to average equity (ytd only) | 5.0383% | 2,871 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.8984% | 2,759 |
Assets per employee ($millions) | 4.5069% | 3,162 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9628% | 4,478 |
Loan loss allowance to noncurrent loans | 86.4282% | 3,870 |
Noncurrent assets plus other real estate owned to assets | 1.2621% | 1,357 |
Noncurrent loans to loans | 1.1140% | 1,836 |
Net loans and leases to total assets | 58.8761% | 3,898 |
Net loans and leases to deposits | 70.4834% | 3,746 |
Net loans and leases to core deposits | 73.4417% | 3,884 |
Total domestic deposits to total assets | 83.5318% | 3,644 |
Equity capital to assets | 15.7093% | 541 |
Core capital (leverage) ratio | 16.3164% | 425 |
Tier 1 risk-based capital ratio | 24.9338% | 779 |
Total risk-based capital ratio | 25.8272% | 792 |
Memoranda: | ||
Average total assets | $265,722,000 | 2,425 |
Average earning assets | $245,919,500 | 2,429 |
Average equity | $41,363,000 | 1,802 |
Average total loans | $158,812,000 | 2,594 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5749% | 4,578 |
Cost of funding earning assets | 0.2016% | 4,998 |
Net interest margin | 3.3733% | 3,913 |
Noninterest income to average assets | 0.6321% | 2,494 |
Noninterest expense to average assets | 2.8342% | 2,906 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.6644% | 3,932 |
Return on assets (ROA) | 0.6644% | 4,048 |
Pretax return on assets | 0.9402% | 3,692 |
Return on Equity (ROE) | 4.2796% | 4,743 |
Retained earnings to average equity (ytd only) | 4.2796% | 2,860 |
Net charge-offs to loans | 0.0032% | 4,151 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 495.6000% | 163 |
Efficiency ratio | 75.0905% | 2,129 |
Assets per employee ($millions) | 4.5006% | 3,118 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9540% | 4,555 |
Loan loss allowance to noncurrent loans | 41.4940% | 4,863 |
Noncurrent assets plus other real estate owned to assets | 1.4273% | 1,191 |
Noncurrent loans to loans | 2.2990% | 723 |
Net loans and leases to total assets | 59.5113% | 3,905 |
Net loans and leases to deposits | 70.9243% | 3,818 |
Net loans and leases to core deposits | 74.0757% | 3,918 |
Total domestic deposits to total assets | 83.9081% | 3,455 |
Equity capital to assets | 15.4230% | 578 |
Core capital (leverage) ratio | 16.1012% | 449 |
Tier 1 risk-based capital ratio | 24.3596% | 833 |
Total risk-based capital ratio | 25.2433% | 847 |
Memoranda: | ||
Average total assets | $263,563,600 | 2,405 |
Average earning assets | $245,518,400 | 2,395 |
Average equity | $40,915,400 | 1,816 |
Average total loans | $154,885,400 | 2,582 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5655% | 4,645 |
Cost of funding earning assets | 0.2037% | 5,036 |
Net interest margin | 3.3618% | 3,988 |
Noninterest income to average assets | 0.6295% | 2,525 |
Noninterest expense to average assets | 2.8250% | 2,918 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.6624% | 4,030 |
Return on assets (ROA) | 0.6624% | 4,150 |
Pretax return on assets | 0.9412% | 3,840 |
Return on Equity (ROE) | 4.2601% | 4,810 |
Retained earnings to average equity (ytd only) | 4.2601% | 3,292 |
Net charge-offs to loans | 0.0182% | 3,353 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | 88.4264% | 715 |
Efficiency ratio | 75.0101% | 2,106 |
Assets per employee ($millions) | 4.5805% | 2,952 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9788% | 4,521 |
Loan loss allowance to noncurrent loans | 35.2611% | 5,078 |
Noncurrent assets plus other real estate owned to assets | 1.6400% | 1,057 |
Noncurrent loans to loans | 2.7759% | 580 |
Net loans and leases to total assets | 57.3485% | 4,160 |
Net loans and leases to deposits | 68.7673% | 4,088 |
Net loans and leases to core deposits | 71.9257% | 4,165 |
Total domestic deposits to total assets | 83.3950% | 3,453 |
Equity capital to assets | 15.6847% | 597 |
Core capital (leverage) ratio | 15.9434% | 482 |
Tier 1 risk-based capital ratio | 24.8703% | 826 |
Total risk-based capital ratio | 25.7725% | 846 |
Memoranda: | ||
Average total assets | $263,070,000 | 2,414 |
Average earning assets | $245,458,750 | 2,405 |
Average equity | $40,905,750 | 1,823 |
Average total loans | $153,720,000 | 2,594 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6007% | 4,588 |
Cost of funding earning assets | 0.2050% | 5,090 |
Net interest margin | 3.3957% | 3,913 |
Noninterest income to average assets | 0.6072% | 2,579 |
Noninterest expense to average assets | 2.8184% | 2,966 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.6735% | 3,942 |
Return on assets (ROA) | 0.6735% | 4,076 |
Pretax return on assets | 0.9596% | 3,745 |
Return on Equity (ROE) | 4.3443% | 4,781 |
Retained earnings to average equity (ytd only) | 4.3443% | 3,153 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.6013% | 2,274 |
Assets per employee ($millions) | 4.4006% | 3,217 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9951% | 4,565 |
Loan loss allowance to noncurrent loans | 33.0234% | 5,225 |
Noncurrent assets plus other real estate owned to assets | 1.7903% | 965 |
Noncurrent loans to loans | 3.0132% | 494 |
Net loans and leases to total assets | 57.5416% | 4,164 |
Net loans and leases to deposits | 68.9017% | 4,095 |
Net loans and leases to core deposits | 71.9292% | 4,185 |
Total domestic deposits to total assets | 83.5125% | 3,461 |
Equity capital to assets | 15.6224% | 602 |
Core capital (leverage) ratio | 15.7128% | 494 |
Tier 1 risk-based capital ratio | 24.5809% | 846 |
Total risk-based capital ratio | 25.4944% | 863 |
Memoranda: | ||
Average total assets | $262,204,330 | 2,443 |
Average earning assets | $244,842,000 | 2,422 |
Average equity | $40,651,330 | 1,829 |
Average total loans | $153,672,670 | 2,605 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6545% | 4,463 |
Cost of funding earning assets | 0.2081% | 5,123 |
Net interest margin | 3.4464% | 3,683 |
Noninterest income to average assets | 0.6032% | 2,510 |
Noninterest expense to average assets | 2.8245% | 2,977 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.6965% | 3,730 |
Return on assets (ROA) | 0.6965% | 3,844 |
Pretax return on assets | 0.9981% | 3,487 |
Return on Equity (ROE) | 4.5103% | 4,704 |
Retained earnings to average equity (ytd only) | 4.5103% | 3,234 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.8887% | 2,496 |
Assets per employee ($millions) | 4.3740% | 3,285 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9945% | 4,640 |
Loan loss allowance to noncurrent loans | 34.1305% | 5,203 |
Noncurrent assets plus other real estate owned to assets | 1.7886% | 1,045 |
Noncurrent loans to loans | 2.9139% | 573 |
Net loans and leases to total assets | 57.9224% | 4,048 |
Net loans and leases to deposits | 69.2692% | 3,924 |
Net loans and leases to core deposits | 72.1250% | 4,059 |
Total domestic deposits to total assets | 83.6192% | 3,671 |
Equity capital to assets | 15.5082% | 598 |
Core capital (leverage) ratio | 15.8516% | 492 |
Tier 1 risk-based capital ratio | 24.3494% | 884 |
Total risk-based capital ratio | 25.2638% | 901 |
Memoranda: | ||
Average total assets | $261,288,000 | 2,453 |
Average earning assets | $244,083,000 | 2,432 |
Average equity | $40,352,500 | 1,833 |
Average total loans | $153,780,000 | 2,598 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7120% | 4,339 |
Cost of funding earning assets | 0.2392% | 4,905 |
Net interest margin | 3.4728% | 3,625 |
Noninterest income to average assets | 0.6247% | 2,592 |
Noninterest expense to average assets | 2.8309% | 3,100 |
Loan and lease loss provision to assets | 0.0196% | 4,011 |
Net operating income to assets | 0.6939% | 3,841 |
Return on assets (ROA) | 0.6999% | 3,917 |
Pretax return on assets | 1.0083% | 3,437 |
Return on Equity (ROE) | 4.5481% | 4,720 |
Retained earnings to average equity (ytd only) | 4.5481% | 2,745 |
Net charge-offs to loans | 0.2581% | 1,172 |
Credit loss provision to net charge-offs | 12.6582% | 3,807 |
Earnings coverage of net charge-offs (x) | 6.5848% | 3,201 |
Efficiency ratio | 73.5267% | 2,652 |
Assets per employee ($millions) | 4.3356% | 3,329 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9914% | 4,661 |
Loan loss allowance to noncurrent loans | 34.9908% | 5,233 |
Noncurrent assets plus other real estate owned to assets | 1.8683% | 988 |
Noncurrent loans to loans | 2.8334% | 594 |
Net loans and leases to total assets | 58.6211% | 4,008 |
Net loans and leases to deposits | 69.8680% | 3,937 |
Net loans and leases to core deposits | 72.8448% | 4,053 |
Total domestic deposits to total assets | 83.9026% | 3,519 |
Equity capital to assets | 15.3786% | 617 |
Core capital (leverage) ratio | 15.6937% | 502 |
Tier 1 risk-based capital ratio | 23.9330% | 931 |
Total risk-based capital ratio | 24.8420% | 938 |
Memoranda: | ||
Average total assets | $255,181,000 | 2,465 |
Average earning assets | $237,014,800 | 2,449 |
Average equity | $39,269,000 | 1,832 |
Average total loans | $153,038,400 | 2,557 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7179% | 4,368 |
Cost of funding earning assets | 0.2462% | 4,920 |
Net interest margin | 3.4717% | 3,655 |
Noninterest income to average assets | 0.6227% | 2,625 |
Noninterest expense to average assets | 2.8048% | 3,167 |
Loan and lease loss provision to assets | 0.0263% | 3,742 |
Net operating income to assets | 0.6972% | 3,911 |
Return on assets (ROA) | 0.7051% | 3,989 |
Pretax return on assets | 1.0238% | 3,526 |
Return on Equity (ROE) | 4.5813% | 4,803 |
Retained earnings to average equity (ytd only) | 4.5813% | 3,214 |
Net charge-offs to loans | 0.0585% | 2,769 |
Credit loss provision to net charge-offs | 74.6269% | 2,689 |
Earnings coverage of net charge-offs (x) | 29.5228% | 1,513 |
Efficiency ratio | 72.9781% | 2,723 |
Assets per employee ($millions) | 4.1268% | 3,664 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2185% | 3,552 |
Loan loss allowance to noncurrent loans | 39.0609% | 5,237 |
Noncurrent assets plus other real estate owned to assets | 2.0562% | 976 |
Noncurrent loans to loans | 3.1196% | 547 |
Net loans and leases to total assets | 58.7726% | 4,045 |
Net loans and leases to deposits | 70.3266% | 3,947 |
Net loans and leases to core deposits | 72.9640% | 4,105 |
Total domestic deposits to total assets | 83.5710% | 3,580 |
Equity capital to assets | 15.5297% | 643 |
Core capital (leverage) ratio | 15.8320% | 511 |
Tier 1 risk-based capital ratio | 24.1903% | 931 |
Total risk-based capital ratio | 25.3188% | 928 |
Memoranda: | ||
Average total assets | $253,942,500 | 2,494 |
Average earning assets | $235,576,750 | 2,476 |
Average equity | $39,085,000 | 1,853 |
Average total loans | $152,792,750 | 2,569 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7445% | 4,257 |
Cost of funding earning assets | 0.2550% | 4,889 |
Net interest margin | 3.4895% | 3,542 |
Noninterest income to average assets | 0.5938% | 2,777 |
Noninterest expense to average assets | 2.8109% | 3,186 |
Loan and lease loss provision to assets | 0.0395% | 3,331 |
Net operating income to assets | 0.6697% | 4,036 |
Return on assets (ROA) | 0.6719% | 4,131 |
Pretax return on assets | 0.9775% | 3,671 |
Return on Equity (ROE) | 4.3789% | 4,871 |
Retained earnings to average equity (ytd only) | 4.3789% | 3,230 |
Net charge-offs to loans | -0.0026% | 4,622 |
Credit loss provision to net charge-offs | -2,500.0000% | 5,499 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.4930% | 2,751 |
Assets per employee ($millions) | 4.1221% | 3,636 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2623% | 3,443 |
Loan loss allowance to noncurrent loans | 39.0898% | 5,277 |
Noncurrent assets plus other real estate owned to assets | 2.1308% | 1,000 |
Noncurrent loans to loans | 3.2291% | 579 |
Net loans and leases to total assets | 59.8533% | 3,859 |
Net loans and leases to deposits | 71.5561% | 3,758 |
Net loans and leases to core deposits | 74.3784% | 3,922 |
Total domestic deposits to total assets | 83.6453% | 3,716 |
Equity capital to assets | 15.5474% | 598 |
Core capital (leverage) ratio | 15.6291% | 524 |
Tier 1 risk-based capital ratio | 24.0653% | 951 |
Total risk-based capital ratio | 25.2493% | 941 |
Memoranda: | ||
Average total assets | $253,302,000 | 2,522 |
Average earning assets | $234,532,330 | 2,503 |
Average equity | $38,868,330 | 1,867 |
Average total loans | $152,979,330 | 2,580 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6914% | 4,396 |
Cost of funding earning assets | 0.2608% | 4,898 |
Net interest margin | 3.4306% | 3,712 |
Noninterest income to average assets | 0.5869% | 2,725 |
Noninterest expense to average assets | 2.7723% | 3,336 |
Loan and lease loss provision to assets | 0.0472% | 2,988 |
Net operating income to assets | 0.6530% | 4,035 |
Return on assets (ROA) | 0.6530% | 4,154 |
Pretax return on assets | 0.9550% | 3,669 |
Return on Equity (ROE) | 4.2833% | 4,852 |
Retained earnings to average equity (ytd only) | 4.2833% | 3,446 |
Net charge-offs to loans | 0.0313% | 2,562 |
Credit loss provision to net charge-offs | 250.0000% | 913 |
Earnings coverage of net charge-offs (x) | 53.0833% | 801 |
Efficiency ratio | 73.4473% | 2,913 |
Assets per employee ($millions) | 4.1750% | 3,607 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2412% | 3,732 |
Loan loss allowance to noncurrent loans | 36.4180% | 5,388 |
Noncurrent assets plus other real estate owned to assets | 2.2413% | 1,016 |
Noncurrent loans to loans | 3.4083% | 579 |
Net loans and leases to total assets | 59.0154% | 3,794 |
Net loans and leases to deposits | 70.3506% | 3,715 |
Net loans and leases to core deposits | 73.9319% | 3,780 |
Total domestic deposits to total assets | 83.8876% | 3,855 |
Equity capital to assets | 15.3333% | 655 |
Core capital (leverage) ratio | 15.3715% | 553 |
Tier 1 risk-based capital ratio | 23.4001% | 1,060 |
Total risk-based capital ratio | 24.5467% | 1,048 |
Memoranda: | ||
Average total assets | $254,228,000 | 2,521 |
Average earning assets | $236,226,500 | 2,506 |
Average equity | $38,755,500 | 1,881 |
Average total loans | $153,256,500 | 2,576 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8233% | 4,416 |
Cost of funding earning assets | 0.3096% | 4,692 |
Net interest margin | 3.5137% | 3,742 |
Noninterest income to average assets | 0.6781% | 2,410 |
Noninterest expense to average assets | 2.8811% | 3,205 |
Loan and lease loss provision to assets | 0.0159% | 4,286 |
Net operating income to assets | 0.7051% | 3,867 |
Return on assets (ROA) | 0.7051% | 3,984 |
Pretax return on assets | 1.0268% | 3,395 |
Return on Equity (ROE) | 4.7465% | 4,786 |
Retained earnings to average equity (ytd only) | 4.7465% | 2,797 |
Net charge-offs to loans | 0.0223% | 4,397 |
Credit loss provision to net charge-offs | 114.2857% | 2,084 |
Earnings coverage of net charge-offs (x) | 75.0000% | 673 |
Efficiency ratio | 73.4258% | 2,942 |
Assets per employee ($millions) | 4.0933% | 3,732 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2130% | 3,919 |
Loan loss allowance to noncurrent loans | 34.5834% | 5,527 |
Noncurrent assets plus other real estate owned to assets | 2.2957% | 1,044 |
Noncurrent loans to loans | 3.5075% | 580 |
Net loans and leases to total assets | 60.0732% | 3,783 |
Net loans and leases to deposits | 71.4430% | 3,742 |
Net loans and leases to core deposits | 75.2069% | 3,803 |
Total domestic deposits to total assets | 84.0856% | 3,676 |
Equity capital to assets | 15.1551% | 679 |
Core capital (leverage) ratio | 15.1009% | 591 |
Tier 1 risk-based capital ratio | 23.8313% | 974 |
Total risk-based capital ratio | 24.9960% | 964 |
Memoranda: | ||
Average total assets | $251,748,400 | 2,507 |
Average earning assets | $232,545,000 | 2,494 |
Average equity | $37,395,800 | 1,877 |
Average total loans | $157,071,400 | 2,468 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8546% | 4,355 |
Cost of funding earning assets | 0.3181% | 4,691 |
Net interest margin | 3.5366% | 3,689 |
Noninterest income to average assets | 0.6538% | 2,555 |
Noninterest expense to average assets | 2.9172% | 3,062 |
Loan and lease loss provision to assets | 0.0053% | 4,307 |
Net operating income to assets | 0.6883% | 4,004 |
Return on assets (ROA) | 0.6883% | 4,092 |
Pretax return on assets | 1.0003% | 3,589 |
Return on Equity (ROE) | 4.6575% | 4,873 |
Retained earnings to average equity (ytd only) | 4.6575% | 3,318 |
Net charge-offs to loans | 0.0101% | 4,383 |
Credit loss provision to net charge-offs | 83.3333% | 2,531 |
Earnings coverage of net charge-offs (x) | 157.9125% | 394 |
Efficiency ratio | 74.3642% | 2,765 |
Assets per employee ($millions) | 4.1563% | 3,553 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1991% | 4,227 |
Loan loss allowance to noncurrent loans | 33.6947% | 5,626 |
Noncurrent assets plus other real estate owned to assets | 2.3460% | 1,157 |
Noncurrent loans to loans | 3.5588% | 663 |
Net loans and leases to total assets | 60.6091% | 3,688 |
Net loans and leases to deposits | 72.1115% | 3,676 |
Net loans and leases to core deposits | 76.0132% | 3,739 |
Total domestic deposits to total assets | 84.0492% | 3,738 |
Equity capital to assets | 14.9190% | 748 |
Core capital (leverage) ratio | 14.9269% | 632 |
Tier 1 risk-based capital ratio | 23.4894% | 1,050 |
Total risk-based capital ratio | 24.6561% | 1,048 |
Memoranda: | ||
Average total assets | $251,240,000 | 2,532 |
Average earning assets | $232,234,000 | 2,513 |
Average equity | $37,129,500 | 1,900 |
Average total loans | $157,757,500 | 2,469 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9152% | 4,078 |
Cost of funding earning assets | 0.3254% | 4,697 |
Net interest margin | 3.5898% | 3,398 |
Noninterest income to average assets | 0.6715% | 2,421 |
Noninterest expense to average assets | 2.9568% | 2,977 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.7043% | 3,818 |
Return on assets (ROA) | 0.7043% | 3,909 |
Pretax return on assets | 1.0269% | 3,365 |
Return on Equity (ROE) | 4.7808% | 4,777 |
Retained earnings to average equity (ytd only) | 4.7808% | 3,101 |
Net charge-offs to loans | 0.0290% | 3,612 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 55.9130% | 852 |
Efficiency ratio | 74.2233% | 2,936 |
Assets per employee ($millions) | 3.9495% | 3,951 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1728% | 4,551 |
Loan loss allowance to noncurrent loans | 38.9440% | 5,534 |
Noncurrent assets plus other real estate owned to assets | 2.0231% | 1,574 |
Noncurrent loans to loans | 3.0114% | 961 |
Net loans and leases to total assets | 62.4512% | 3,336 |
Net loans and leases to deposits | 74.4156% | 3,275 |
Net loans and leases to core deposits | 78.3817% | 3,395 |
Total domestic deposits to total assets | 83.9221% | 3,948 |
Equity capital to assets | 15.0647% | 685 |
Core capital (leverage) ratio | 15.0427% | 603 |
Tier 1 risk-based capital ratio | 23.5917% | 1,033 |
Total risk-based capital ratio | 24.7634% | 1,029 |
Memoranda: | ||
Average total assets | $250,474,670 | 2,538 |
Average earning assets | $231,096,670 | 2,538 |
Average equity | $36,897,670 | 1,903 |
Average total loans | $158,499,670 | 2,466 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8854% | 4,143 |
Cost of funding earning assets | 0.3262% | 4,779 |
Net interest margin | 3.5592% | 3,440 |
Noninterest income to average assets | 0.6383% | 2,532 |
Noninterest expense to average assets | 2.9669% | 2,999 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.6558% | 3,918 |
Return on assets (ROA) | 0.6558% | 4,017 |
Pretax return on assets | 0.9534% | 3,496 |
Return on Equity (ROE) | 4.5022% | 4,784 |
Retained earnings to average equity (ytd only) | 4.5022% | 3,417 |
Net charge-offs to loans | -0.0075% | 4,938 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.6801% | 2,850 |
Assets per employee ($millions) | 3.8683% | 4,191 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1812% | 4,730 |
Loan loss allowance to noncurrent loans | 43.6814% | 5,452 |
Noncurrent assets plus other real estate owned to assets | 1.8824% | 1,833 |
Noncurrent loans to loans | 2.7041% | 1,249 |
Net loans and leases to total assets | 62.2194% | 3,203 |
Net loans and leases to deposits | 73.8380% | 3,088 |
Net loans and leases to core deposits | 77.8868% | 3,216 |
Total domestic deposits to total assets | 84.2647% | 4,178 |
Equity capital to assets | 14.6667% | 744 |
Core capital (leverage) ratio | 14.6887% | 650 |
Tier 1 risk-based capital ratio | 23.1862% | 1,115 |
Total risk-based capital ratio | 24.3686% | 1,115 |
Memoranda: | ||
Average total assets | $251,302,000 | 2,545 |
Average earning assets | $231,736,500 | 2,535 |
Average equity | $36,604,500 | 1,914 |
Average total loans | $159,132,000 | 2,470 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9712% | 4,192 |
Cost of funding earning assets | 0.3764% | 4,876 |
Net interest margin | 3.5948% | 3,486 |
Noninterest income to average assets | 0.7257% | 2,402 |
Noninterest expense to average assets | 2.9251% | 3,294 |
Loan and lease loss provision to assets | -0.0218% | 6,303 |
Net operating income to assets | 0.7646% | 3,472 |
Return on assets (ROA) | 0.7646% | 3,566 |
Pretax return on assets | 1.1322% | 2,842 |
Return on Equity (ROE) | 5.3915% | 4,448 |
Retained earnings to average equity (ytd only) | 5.3915% | 2,352 |
Net charge-offs to loans | 0.0674% | 4,269 |
Credit loss provision to net charge-offs | -52.3810% | 5,805 |
Earnings coverage of net charge-offs (x) | 26.6381% | 1,288 |
Efficiency ratio | 72.4840% | 3,388 |
Assets per employee ($millions) | 3.9244% | 4,017 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1672% | 4,821 |
Loan loss allowance to noncurrent loans | 44.7400% | 5,469 |
Noncurrent assets plus other real estate owned to assets | 1.8112% | 2,032 |
Noncurrent loans to loans | 2.6090% | 1,433 |
Net loans and leases to total assets | 62.9400% | 3,212 |
Net loans and leases to deposits | 74.5765% | 3,180 |
Net loans and leases to core deposits | 78.5579% | 3,292 |
Total domestic deposits to total assets | 84.3966% | 4,018 |
Equity capital to assets | 14.4651% | 791 |
Core capital (leverage) ratio | 14.5722% | 673 |
Tier 1 risk-based capital ratio | 24.1260% | 938 |
Total risk-based capital ratio | 25.3651% | 928 |
Memoranda: | ||
Average total assets | $251,888,000 | 2,514 |
Average earning assets | $231,918,200 | 2,499 |
Average equity | $35,722,800 | 1,927 |
Average total loans | $155,763,000 | 2,481 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9567% | 4,291 |
Cost of funding earning assets | 0.3864% | 4,935 |
Net interest margin | 3.5703% | 3,577 |
Noninterest income to average assets | 0.7104% | 2,551 |
Noninterest expense to average assets | 2.8822% | 3,365 |
Loan and lease loss provision to assets | 0.1031% | 3,045 |
Net operating income to assets | 0.6855% | 3,927 |
Return on assets (ROA) | 0.6855% | 4,067 |
Pretax return on assets | 1.0140% | 3,456 |
Return on Equity (ROE) | 4.8578% | 4,794 |
Retained earnings to average equity (ytd only) | 4.8578% | 3,186 |
Net charge-offs to loans | 0.0681% | 3,947 |
Credit loss provision to net charge-offs | 246.8354% | 999 |
Earnings coverage of net charge-offs (x) | 26.7344% | 1,339 |
Efficiency ratio | 72.0672% | 3,391 |
Assets per employee ($millions) | 3.9788% | 3,877 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3543% | 4,109 |
Loan loss allowance to noncurrent loans | 52.6406% | 5,114 |
Noncurrent assets plus other real estate owned to assets | 1.8299% | 2,231 |
Noncurrent loans to loans | 2.5727% | 1,665 |
Net loans and leases to total assets | 62.2728% | 3,315 |
Net loans and leases to deposits | 73.7621% | 3,271 |
Net loans and leases to core deposits | 77.9257% | 3,371 |
Total domestic deposits to total assets | 84.4238% | 4,017 |
Equity capital to assets | 14.2824% | 882 |
Core capital (leverage) ratio | 14.3555% | 776 |
Tier 1 risk-based capital ratio | 23.8875% | 1,021 |
Total risk-based capital ratio | 25.1511% | 1,003 |
Memoranda: | ||
Average total assets | $252,069,250 | 2,528 |
Average earning assets | $232,208,250 | 2,509 |
Average equity | $35,570,750 | 1,951 |
Average total loans | $154,716,500 | 2,505 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9853% | 4,166 |
Cost of funding earning assets | 0.3978% | 4,965 |
Net interest margin | 3.5874% | 3,415 |
Noninterest income to average assets | 0.7381% | 2,465 |
Noninterest expense to average assets | 2.8756% | 3,423 |
Loan and lease loss provision to assets | 0.1386% | 2,596 |
Net operating income to assets | 0.6898% | 3,858 |
Return on assets (ROA) | 0.6898% | 4,028 |
Pretax return on assets | 1.0232% | 3,402 |
Return on Equity (ROE) | 4.9079% | 4,775 |
Retained earnings to average equity (ytd only) | 4.9079% | 3,113 |
Net charge-offs to loans | 0.0703% | 3,706 |
Credit loss provision to net charge-offs | 324.0741% | 803 |
Earnings coverage of net charge-offs (x) | 27.1667% | 1,222 |
Efficiency ratio | 71.2240% | 3,609 |
Assets per employee ($millions) | 3.9612% | 3,889 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3727% | 4,157 |
Loan loss allowance to noncurrent loans | 56.3484% | 4,952 |
Noncurrent assets plus other real estate owned to assets | 1.7527% | 2,487 |
Noncurrent loans to loans | 2.4361% | 1,925 |
Net loans and leases to total assets | 61.8430% | 3,318 |
Net loans and leases to deposits | 73.1093% | 3,279 |
Net loans and leases to core deposits | 77.4414% | 3,364 |
Total domestic deposits to total assets | 84.5898% | 4,091 |
Equity capital to assets | 14.1904% | 907 |
Core capital (leverage) ratio | 14.2478% | 762 |
Tier 1 risk-based capital ratio | 23.9301% | 1,005 |
Total risk-based capital ratio | 25.1824% | 990 |
Memoranda: | ||
Average total assets | $252,537,330 | 2,531 |
Average earning assets | $232,255,330 | 2,515 |
Average equity | $35,494,000 | 1,960 |
Average total loans | $153,542,330 | 2,525 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0243% | 4,017 |
Cost of funding earning assets | 0.4081% | 5,027 |
Net interest margin | 3.6162% | 3,199 |
Noninterest income to average assets | 0.7039% | 2,571 |
Noninterest expense to average assets | 2.8548% | 3,523 |
Loan and lease loss provision to assets | 0.1811% | 2,045 |
Net operating income to assets | 0.6645% | 3,876 |
Return on assets (ROA) | 0.6645% | 4,034 |
Pretax return on assets | 0.9889% | 3,399 |
Return on Equity (ROE) | 4.7503% | 4,712 |
Retained earnings to average equity (ytd only) | 4.7503% | 3,388 |
Net charge-offs to loans | 0.1552% | 2,470 |
Credit loss provision to net charge-offs | 194.9153% | 1,116 |
Earnings coverage of net charge-offs (x) | 12.5932% | 1,584 |
Efficiency ratio | 70.9311% | 3,802 |
Assets per employee ($millions) | 3.9676% | 4,022 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3580% | 4,430 |
Loan loss allowance to noncurrent loans | 62.5338% | 4,605 |
Noncurrent assets plus other real estate owned to assets | 1.5800% | 2,890 |
Noncurrent loans to loans | 2.1716% | 2,424 |
Net loans and leases to total assets | 59.5852% | 3,503 |
Net loans and leases to deposits | 70.3774% | 3,413 |
Net loans and leases to core deposits | 74.6052% | 3,503 |
Total domestic deposits to total assets | 84.6653% | 4,190 |
Equity capital to assets | 14.0347% | 1,016 |
Core capital (leverage) ratio | 13.8665% | 833 |
Tier 1 risk-based capital ratio | 24.0601% | 1,009 |
Total risk-based capital ratio | 25.3151% | 984 |
Memoranda: | ||
Average total assets | $254,028,000 | 2,544 |
Average earning assets | $233,285,500 | 2,534 |
Average equity | $35,534,500 | 1,985 |
Average total loans | $152,073,000 | 2,554 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5416% | 3,233 |
Cost of funding earning assets | 0.5265% | 5,017 |
Net interest margin | 4.0151% | 2,334 |
Noninterest income to average assets | 0.7651% | 2,418 |
Noninterest expense to average assets | 2.8992% | 3,647 |
Loan and lease loss provision to assets | 0.4392% | 1,446 |
Net operating income to assets | 0.7469% | 3,525 |
Return on assets (ROA) | 0.7469% | 3,767 |
Pretax return on assets | 1.1032% | 3,147 |
Return on Equity (ROE) | 5.3605% | 4,496 |
Retained earnings to average equity (ytd only) | 5.3605% | 2,461 |
Net charge-offs to loans | 0.3124% | 3,079 |
Credit loss provision to net charge-offs | 229.5983% | 1,076 |
Earnings coverage of net charge-offs (x) | 8.0634% | 2,479 |
Efficiency ratio | 65.2736% | 4,652 |
Assets per employee ($millions) | 4.0338% | 3,880 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3445% | 4,433 |
Loan loss allowance to noncurrent loans | 56.6201% | 4,802 |
Noncurrent assets plus other real estate owned to assets | 1.7330% | 2,794 |
Noncurrent loans to loans | 2.3746% | 2,259 |
Net loans and leases to total assets | 58.5266% | 3,877 |
Net loans and leases to deposits | 69.1875% | 3,812 |
Net loans and leases to core deposits | 73.0638% | 3,916 |
Total domestic deposits to total assets | 84.5913% | 4,046 |
Equity capital to assets | 13.9421% | 1,071 |
Core capital (leverage) ratio | 13.6911% | 887 |
Tier 1 risk-based capital ratio | 24.2814% | 940 |
Total risk-based capital ratio | 25.5398% | 915 |
Memoranda: | ||
Average total assets | $247,275,600 | 2,554 |
Average earning assets | $226,419,000 | 2,549 |
Average equity | $34,455,600 | 2,011 |
Average total loans | $151,391,800 | 2,552 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5947% | 3,226 |
Cost of funding earning assets | 0.5518% | 5,072 |
Net interest margin | 4.0430% | 2,323 |
Noninterest income to average assets | 0.7878% | 2,293 |
Noninterest expense to average assets | 2.9417% | 3,438 |
Loan and lease loss provision to assets | 0.4675% | 1,325 |
Net operating income to assets | 0.7379% | 3,745 |
Return on assets (ROA) | 0.7379% | 3,999 |
Pretax return on assets | 1.0865% | 3,401 |
Return on Equity (ROE) | 5.2963% | 4,689 |
Retained earnings to average equity (ytd only) | 5.2963% | 3,160 |
Net charge-offs to loans | 0.2463% | 3,247 |
Credit loss provision to net charge-offs | 307.5000% | 875 |
Earnings coverage of net charge-offs (x) | 10.2215% | 2,211 |
Efficiency ratio | 65.4348% | 4,553 |
Assets per employee ($millions) | 4.0915% | 3,695 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3309% | 4,669 |
Loan loss allowance to noncurrent loans | 50.2266% | 5,113 |
Noncurrent assets plus other real estate owned to assets | 1.8532% | 2,859 |
Noncurrent loans to loans | 2.6499% | 2,138 |
Net loans and leases to total assets | 58.3036% | 4,083 |
Net loans and leases to deposits | 69.0747% | 4,013 |
Net loans and leases to core deposits | 72.8127% | 4,155 |
Total domestic deposits to total assets | 84.4066% | 4,030 |
Equity capital to assets | 13.8592% | 1,215 |
Core capital (leverage) ratio | 13.5344% | 1,001 |
Tier 1 risk-based capital ratio | 23.6871% | 1,066 |
Total risk-based capital ratio | 24.9517% | 1,043 |
Memoranda: | ||
Average total assets | $245,562,250 | 2,597 |
Average earning assets | $225,208,000 | 2,587 |
Average equity | $34,211,750 | 2,040 |
Average total loans | $151,549,750 | 2,584 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6895% | 2,957 |
Cost of funding earning assets | 0.5906% | 4,982 |
Net interest margin | 4.0989% | 2,100 |
Noninterest income to average assets | 0.7988% | 2,188 |
Noninterest expense to average assets | 2.9886% | 3,297 |
Loan and lease loss provision to assets | 0.5238% | 1,195 |
Net operating income to assets | 0.7025% | 3,856 |
Return on assets (ROA) | 0.7025% | 4,121 |
Pretax return on assets | 1.0302% | 3,597 |
Return on Equity (ROE) | 5.0329% | 4,795 |
Retained earnings to average equity (ytd only) | 5.0329% | 3,264 |
Net charge-offs to loans | 0.2327% | 3,172 |
Credit loss provision to net charge-offs | 359.3220% | 816 |
Earnings coverage of net charge-offs (x) | 10.6610% | 2,029 |
Efficiency ratio | 65.7904% | 4,567 |
Assets per employee ($millions) | 3.8259% | 4,256 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2459% | 5,137 |
Loan loss allowance to noncurrent loans | 46.7432% | 5,299 |
Noncurrent assets plus other real estate owned to assets | 1.8954% | 2,912 |
Noncurrent loans to loans | 2.6655% | 2,252 |
Net loans and leases to total assets | 60.6298% | 3,701 |
Net loans and leases to deposits | 72.0029% | 3,608 |
Net loans and leases to core deposits | 75.2435% | 3,845 |
Total domestic deposits to total assets | 84.2047% | 4,231 |
Equity capital to assets | 14.0387% | 1,082 |
Core capital (leverage) ratio | 13.8008% | 867 |
Tier 1 risk-based capital ratio | 23.3880% | 1,085 |
Total risk-based capital ratio | 24.6504% | 1,067 |
Memoranda: | ||
Average total assets | $242,859,000 | 2,626 |
Average earning assets | $221,815,000 | 2,624 |
Average equity | $33,896,670 | 2,042 |
Average total loans | $152,101,330 | 2,585 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7418% | 2,876 |
Cost of funding earning assets | 0.6436% | 4,788 |
Net interest margin | 4.0981% | 2,094 |
Noninterest income to average assets | 0.7343% | 2,471 |
Noninterest expense to average assets | 3.0166% | 3,185 |
Loan and lease loss provision to assets | 0.1158% | 3,905 |
Net operating income to assets | 0.8914% | 2,961 |
Return on assets (ROA) | 0.8914% | 3,184 |
Pretax return on assets | 1.3297% | 2,428 |
Return on Equity (ROE) | 6.4057% | 4,090 |
Retained earnings to average equity (ytd only) | 6.4057% | 2,740 |
Net charge-offs to loans | -1.0563% | 7,219 |
Credit loss provision to net charge-offs | -17.3267% | 5,372 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.6056% | 4,250 |
Assets per employee ($millions) | 3.8572% | 4,297 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2464% | 5,266 |
Loan loss allowance to noncurrent loans | 96.4742% | 3,151 |
Noncurrent assets plus other real estate owned to assets | 1.2918% | 3,979 |
Noncurrent loans to loans | 1.2920% | 4,182 |
Net loans and leases to total assets | 60.5952% | 3,531 |
Net loans and leases to deposits | 71.8614% | 3,452 |
Net loans and leases to core deposits | 74.9605% | 3,750 |
Total domestic deposits to total assets | 84.3224% | 4,358 |
Equity capital to assets | 13.7434% | 1,120 |
Core capital (leverage) ratio | 13.5253% | 944 |
Tier 1 risk-based capital ratio | 23.2996% | 1,096 |
Total risk-based capital ratio | 24.5621% | 1,073 |
Memoranda: | ||
Average total assets | $241,859,500 | 2,647 |
Average earning assets | $220,002,000 | 2,648 |
Average equity | $33,657,500 | 2,057 |
Average total loans | $152,987,000 | 2,586 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3136% | 1,660 |
Cost of funding earning assets | 0.8388% | 4,556 |
Net interest margin | 4.4748% | 1,196 |
Noninterest income to average assets | 0.7364% | 2,411 |
Noninterest expense to average assets | 3.2077% | 2,836 |
Loan and lease loss provision to assets | 0.1237% | 5,057 |
Net operating income to assets | 0.9887% | 2,241 |
Return on assets (ROA) | 0.9887% | 2,386 |
Pretax return on assets | 1.4628% | 1,582 |
Return on Equity (ROE) | 6.8532% | 3,465 |
Retained earnings to average equity (ytd only) | 6.8532% | 1,574 |
Net charge-offs to loans | 0.1238% | 5,149 |
Credit loss provision to net charge-offs | 143.2292% | 2,028 |
Earnings coverage of net charge-offs (x) | 18.3698% | 1,224 |
Efficiency ratio | 66.8230% | 4,608 |
Assets per employee ($millions) | 3.8203% | 4,268 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9152% | 6,500 |
Loan loss allowance to noncurrent loans | 63.6077% | 4,321 |
Noncurrent assets plus other real estate owned to assets | 1.2425% | 4,155 |
Noncurrent loans to loans | 1.4388% | 4,007 |
Net loans and leases to total assets | 64.6320% | 3,052 |
Net loans and leases to deposits | 77.2471% | 2,963 |
Net loans and leases to core deposits | 80.2590% | 3,429 |
Total domestic deposits to total assets | 83.6691% | 4,463 |
Equity capital to assets | 14.0962% | 1,029 |
Core capital (leverage) ratio | 13.9351% | 840 |
Tier 1 risk-based capital ratio | 23.7097% | 996 |
Total risk-based capital ratio | 24.7796% | 1,006 |
Memoranda: | ||
Average total assets | $222,310,800 | 2,817 |
Average earning assets | $201,596,400 | 2,834 |
Average equity | $32,072,400 | 2,072 |
Average total loans | $155,067,200 | 2,564 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3633% | 1,638 |
Cost of funding earning assets | 0.8842% | 4,515 |
Net interest margin | 4.4791% | 1,195 |
Noninterest income to average assets | 0.7408% | 2,363 |
Noninterest expense to average assets | 3.2736% | 2,581 |
Loan and lease loss provision to assets | 0.0122% | 6,280 |
Net operating income to assets | 1.0262% | 2,229 |
Return on assets (ROA) | 1.0262% | 2,396 |
Pretax return on assets | 1.5261% | 1,590 |
Return on Equity (ROE) | 7.0690% | 3,494 |
Retained earnings to average equity (ytd only) | 7.0690% | 1,934 |
Net charge-offs to loans | 0.1649% | 4,470 |
Credit loss provision to net charge-offs | 10.4167% | 5,658 |
Earnings coverage of net charge-offs (x) | 13.1408% | 1,641 |
Efficiency ratio | 67.9549% | 4,329 |
Assets per employee ($millions) | 3.7880% | 4,329 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7753% | 6,857 |
Loan loss allowance to noncurrent loans | 59.3271% | 4,494 |
Noncurrent assets plus other real estate owned to assets | 1.1454% | 4,497 |
Noncurrent loans to loans | 1.3068% | 4,352 |
Net loans and leases to total assets | 65.3395% | 3,049 |
Net loans and leases to deposits | 78.1819% | 2,949 |
Net loans and leases to core deposits | 81.1517% | 3,460 |
Total domestic deposits to total assets | 83.5737% | 4,445 |
Equity capital to assets | 14.0010% | 1,156 |
Core capital (leverage) ratio | 13.8378% | 945 |
Tier 1 risk-based capital ratio | 23.7708% | 1,041 |
Total risk-based capital ratio | 24.6922% | 1,065 |
Memoranda: | ||
Average total assets | $218,674,000 | 2,856 |
Average earning assets | $198,753,500 | 2,877 |
Average equity | $31,743,500 | 2,092 |
Average total loans | $155,209,000 | 2,588 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4890% | 1,321 |
Cost of funding earning assets | 0.9289% | 4,456 |
Net interest margin | 4.5601% | 994 |
Noninterest income to average assets | 0.7464% | 2,275 |
Noninterest expense to average assets | 3.3843% | 2,305 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 1.0118% | 2,178 |
Return on assets (ROA) | 1.0118% | 2,276 |
Pretax return on assets | 1.5051% | 1,515 |
Return on Equity (ROE) | 6.8805% | 3,494 |
Retained earnings to average equity (ytd only) | 6.8805% | 1,927 |
Net charge-offs to loans | 0.2188% | 3,814 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 9.4412% | 1,922 |
Efficiency ratio | 69.1791% | 4,293 |
Assets per employee ($millions) | 3.6374% | 4,593 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7717% | 6,917 |
Loan loss allowance to noncurrent loans | 130.4017% | 2,258 |
Noncurrent assets plus other real estate owned to assets | 0.6598% | 5,578 |
Noncurrent loans to loans | 0.5918% | 5,742 |
Net loans and leases to total assets | 70.7594% | 2,059 |
Net loans and leases to deposits | 85.6338% | 1,836 |
Net loans and leases to core deposits | 89.0258% | 2,494 |
Total domestic deposits to total assets | 82.6302% | 4,937 |
Equity capital to assets | 14.6906% | 896 |
Core capital (leverage) ratio | 14.5950% | 748 |
Tier 1 risk-based capital ratio | 23.7132% | 1,031 |
Total risk-based capital ratio | 24.6471% | 1,058 |
Memoranda: | ||
Average total assets | $213,280,330 | 2,931 |
Average earning assets | $193,767,670 | 2,949 |
Average equity | $31,364,000 | 2,104 |
Average total loans | $155,394,670 | 2,606 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5214% | 1,239 |
Cost of funding earning assets | 0.9664% | 4,455 |
Net interest margin | 4.5551% | 951 |
Noninterest income to average assets | 0.7021% | 2,568 |
Noninterest expense to average assets | 3.4440% | 2,160 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.9127% | 2,504 |
Return on assets (ROA) | 0.9127% | 2,562 |
Pretax return on assets | 1.3814% | 1,777 |
Return on Equity (ROE) | 6.2033% | 3,780 |
Retained earnings to average equity (ytd only) | 6.2033% | 2,521 |
Net charge-offs to loans | 0.4379% | 2,385 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 4.2824% | 2,523 |
Efficiency ratio | 71.3331% | 3,983 |
Assets per employee ($millions) | 3.5201% | 4,948 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7773% | 6,961 |
Loan loss allowance to noncurrent loans | 149.1925% | 1,983 |
Noncurrent assets plus other real estate owned to assets | 0.6129% | 5,745 |
Noncurrent loans to loans | 0.5210% | 5,983 |
Net loans and leases to total assets | 71.3982% | 1,836 |
Net loans and leases to deposits | 86.3951% | 1,667 |
Net loans and leases to core deposits | 89.8683% | 2,367 |
Total domestic deposits to total assets | 82.6414% | 5,048 |
Equity capital to assets | 14.5526% | 867 |
Core capital (leverage) ratio | 14.5313% | 735 |
Tier 1 risk-based capital ratio | 23.5471% | 1,019 |
Total risk-based capital ratio | 24.4883% | 1,044 |
Memoranda: | ||
Average total assets | $210,800,000 | 2,980 |
Average earning assets | $190,821,000 | 2,998 |
Average equity | $31,015,500 | 2,111 |
Average total loans | $155,278,500 | 2,627 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0262% | 804 |
Cost of funding earning assets | 1.1712% | 4,721 |
Net interest margin | 4.8550% | 598 |
Noninterest income to average assets | 0.7882% | 2,336 |
Noninterest expense to average assets | 3.3044% | 2,727 |
Loan and lease loss provision to assets | 0.8485% | 1,930 |
Net operating income to assets | 0.6845% | 3,281 |
Return on assets (ROA) | 0.7204% | 3,272 |
Pretax return on assets | 1.0529% | 2,764 |
Return on Equity (ROE) | 4.8161% | 4,154 |
Retained earnings to average equity (ytd only) | 4.8161% | 2,534 |
Net charge-offs to loans | 0.6147% | 3,193 |
Credit loss provision to net charge-offs | 171.0553% | 1,974 |
Earnings coverage of net charge-offs (x) | 3.7266% | 3,222 |
Efficiency ratio | 64.0964% | 5,337 |
Assets per employee ($millions) | 3.3367% | 5,343 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8850% | 6,762 |
Loan loss allowance to noncurrent loans | 122.1043% | 2,400 |
Noncurrent assets plus other real estate owned to assets | 1.1795% | 4,652 |
Noncurrent loans to loans | 0.7248% | 5,601 |
Net loans and leases to total assets | 74.7627% | 1,529 |
Net loans and leases to deposits | 91.0475% | 1,392 |
Net loans and leases to core deposits | 94.8726% | 2,150 |
Total domestic deposits to total assets | 82.1139% | 5,155 |
Equity capital to assets | 14.8799% | 819 |
Core capital (leverage) ratio | 14.8545% | 684 |
Tier 1 risk-based capital ratio | 23.2253% | 1,009 |
Total risk-based capital ratio | 24.3014% | 1,011 |
Memoranda: | ||
Average total assets | $200,580,200 | 3,092 |
Average earning assets | $180,329,600 | 3,118 |
Average equity | $30,003,800 | 2,175 |
Average total loans | $161,857,000 | 2,592 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0743% | 801 |
Cost of funding earning assets | 1.2135% | 4,778 |
Net interest margin | 4.8608% | 594 |
Noninterest income to average assets | 0.8026% | 2,225 |
Noninterest expense to average assets | 3.3345% | 2,467 |
Loan and lease loss provision to assets | 0.7383% | 2,072 |
Net operating income to assets | 0.4704% | 4,440 |
Return on assets (ROA) | 0.5159% | 4,429 |
Pretax return on assets | 1.1725% | 2,592 |
Return on Equity (ROE) | 3.4441% | 5,025 |
Retained earnings to average equity (ytd only) | 3.4441% | 4,027 |
Net charge-offs to loans | 0.8123% | 2,421 |
Credit loss provision to net charge-offs | 110.7538% | 3,820 |
Earnings coverage of net charge-offs (x) | 2.7598% | 3,765 |
Efficiency ratio | 64.4180% | 5,172 |
Assets per employee ($millions) | 3.2776% | 5,521 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4809% | 7,474 |
Loan loss allowance to noncurrent loans | 120.8978% | 2,350 |
Noncurrent assets plus other real estate owned to assets | 1.0378% | 5,031 |
Noncurrent loans to loans | 0.3978% | 6,405 |
Net loans and leases to total assets | 79.5381% | 819 |
Net loans and leases to deposits | 97.3206% | 856 |
Net loans and leases to core deposits | 101.2548% | 1,725 |
Total domestic deposits to total assets | 81.7279% | 5,104 |
Equity capital to assets | 14.8564% | 931 |
Core capital (leverage) ratio | 14.8059% | 757 |
Tier 1 risk-based capital ratio | 23.4310% | 1,013 |
Total risk-based capital ratio | 24.0419% | 1,065 |
Memoranda: | ||
Average total assets | $199,006,250 | 3,153 |
Average earning assets | $178,979,250 | 3,172 |
Average equity | $29,809,000 | 2,211 |
Average total loans | $163,309,500 | 2,613 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0739% | 799 |
Cost of funding earning assets | 1.2497% | 4,828 |
Net interest margin | 4.8242% | 633 |
Noninterest income to average assets | 0.7925% | 2,160 |
Noninterest expense to average assets | 3.4038% | 2,254 |
Loan and lease loss provision to assets | 0.3836% | 3,413 |
Net operating income to assets | 0.7526% | 3,185 |
Return on assets (ROA) | 0.7662% | 3,269 |
Pretax return on assets | 1.3593% | 1,922 |
Return on Equity (ROE) | 5.1007% | 4,238 |
Retained earnings to average equity (ytd only) | 5.1007% | 2,846 |
Net charge-offs to loans | 0.9779% | 1,890 |
Credit loss provision to net charge-offs | 47.3750% | 5,475 |
Earnings coverage of net charge-offs (x) | 2.1263% | 3,956 |
Efficiency ratio | 66.3902% | 4,912 |
Assets per employee ($millions) | 3.2475% | 5,559 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2862% | 7,669 |
Loan loss allowance to noncurrent loans | 37.3618% | 5,870 |
Noncurrent assets plus other real estate owned to assets | 1.3355% | 4,482 |
Noncurrent loans to loans | 0.7660% | 5,742 |
Net loans and leases to total assets | 81.8548% | 548 |
Net loans and leases to deposits | 100.4376% | 687 |
Net loans and leases to core deposits | 104.3676% | 1,606 |
Total domestic deposits to total assets | 81.4982% | 5,198 |
Equity capital to assets | 14.9595% | 892 |
Core capital (leverage) ratio | 14.9214% | 735 |
Tier 1 risk-based capital ratio | 22.4661% | 1,127 |
Total risk-based capital ratio | 22.8209% | 1,240 |
Memoranda: | ||
Average total assets | $197,604,330 | 3,199 |
Average earning assets | $177,480,000 | 3,225 |
Average equity | $29,682,000 | 2,210 |
Average total loans | $163,608,670 | 2,644 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0222% | 935 |
Cost of funding earning assets | 1.2428% | 5,159 |
Net interest margin | 4.7795% | 677 |
Noninterest income to average assets | 0.7398% | 2,360 |
Noninterest expense to average assets | 3.4598% | 2,080 |
Loan and lease loss provision to assets | 0.2636% | 3,921 |
Net operating income to assets | 0.7708% | 3,101 |
Return on assets (ROA) | 0.7786% | 3,175 |
Pretax return on assets | 1.3120% | 2,019 |
Return on Equity (ROE) | 5.1726% | 4,274 |
Retained earnings to average equity (ytd only) | 5.1726% | 3,058 |
Net charge-offs to loans | -0.0123% | 6,940 |
Credit loss provision to net charge-offs | -2,580.0000% | 6,549 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.8771% | 4,531 |
Assets per employee ($millions) | 3.1302% | 5,925 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6357% | 7,450 |
Loan loss allowance to noncurrent loans | 319.2547% | 948 |
Noncurrent assets plus other real estate owned to assets | 1.2236% | 4,729 |
Noncurrent loans to loans | 0.1991% | 6,943 |
Net loans and leases to total assets | 81.4853% | 648 |
Net loans and leases to deposits | 98.2778% | 884 |
Net loans and leases to core deposits | 102.1012% | 1,889 |
Total domestic deposits to total assets | 82.9132% | 4,668 |
Equity capital to assets | 15.0397% | 874 |
Core capital (leverage) ratio | 15.0223% | 746 |
Tier 1 risk-based capital ratio | 21.8735% | 1,214 |
Total risk-based capital ratio | 22.6344% | 1,260 |
Memoranda: | ||
Average total assets | $195,735,000 | 3,277 |
Average earning assets | $175,416,500 | 3,313 |
Average equity | $29,463,000 | 2,246 |
Average total loans | $162,772,000 | 2,724 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1285% | 1,441 |
Cost of funding earning assets | 1.5924% | 5,057 |
Net interest margin | 4.5362% | 1,104 |
Noninterest income to average assets | 0.8490% | 2,181 |
Noninterest expense to average assets | 3.4776% | 2,433 |
Loan and lease loss provision to assets | 0.1925% | 5,802 |
Net operating income to assets | 1.0466% | 1,680 |
Return on assets (ROA) | 0.4681% | 3,979 |
Pretax return on assets | 0.5549% | 4,034 |
Return on Equity (ROE) | 3.2499% | 4,396 |
Retained earnings to average equity (ytd only) | 3.2499% | 2,883 |
Net charge-offs to loans | -0.0012% | 7,682 |
Credit loss provision to net charge-offs | -18,850.0000% | 7,523 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.7740% | 4,480 |
Assets per employee ($millions) | 3.0836% | 6,027 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5463% | 7,624 |
Loan loss allowance to noncurrent loans | 48.1442% | 5,175 |
Noncurrent assets plus other real estate owned to assets | 1.5427% | 4,064 |
Noncurrent loans to loans | 1.1348% | 5,062 |
Net loans and leases to total assets | 83.8689% | 444 |
Net loans and leases to deposits | 101.2610% | 803 |
Net loans and leases to core deposits | 122.6895% | 1,736 |
Total domestic deposits to total assets | 82.8245% | 4,597 |
Equity capital to assets | 15.0655% | 890 |
Core capital (leverage) ratio | 15.0522% | 771 |
Tier 1 risk-based capital ratio | 21.4283% | 1,231 |
Total risk-based capital ratio | 22.0856% | 1,288 |
Memoranda: | ||
Average total assets | $195,883,400 | 3,229 |
Average earning assets | $175,523,200 | 3,277 |
Average equity | $28,216,400 | 2,357 |
Average total loans | $160,675,000 | 2,752 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1332% | 1,547 |
Cost of funding earning assets | 1.6587% | 5,116 |
Net interest margin | 4.4746% | 1,259 |
Noninterest income to average assets | 0.8430% | 2,232 |
Noninterest expense to average assets | 3.5580% | 2,127 |
Loan and lease loss provision to assets | 0.1454% | 5,906 |
Net operating income to assets | 0.7468% | 3,036 |
Return on assets (ROA) | 0.7499% | 3,083 |
Pretax return on assets | 1.1575% | 2,387 |
Return on Equity (ROE) | 5.2657% | 3,853 |
Retained earnings to average equity (ytd only) | 5.2657% | 2,335 |
Net charge-offs to loans | -0.0017% | 7,586 |
Credit loss provision to net charge-offs | -10,700.0000% | 7,438 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.2690% | 4,001 |
Assets per employee ($millions) | 3.2178% | 5,606 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4924% | 7,721 |
Loan loss allowance to noncurrent loans | 28.3126% | 6,582 |
Noncurrent assets plus other real estate owned to assets | 1.4727% | 4,170 |
Noncurrent loans to loans | 1.7393% | 4,025 |
Net loans and leases to total assets | 80.7242% | 1,037 |
Net loans and leases to deposits | 98.0076% | 1,329 |
Net loans and leases to core deposits | 117.7527% | 2,442 |
Total domestic deposits to total assets | 82.3653% | 4,514 |
Equity capital to assets | 14.3376% | 1,194 |
Core capital (leverage) ratio | 14.3273% | 1,002 |
Tier 1 risk-based capital ratio | 20.8857% | 1,383 |
Total risk-based capital ratio | 21.4693% | 1,470 |
Memoranda: | ||
Average total assets | $196,288,000 | 3,244 |
Average earning assets | $176,042,000 | 3,292 |
Average equity | $27,953,750 | 2,394 |
Average total loans | $159,888,000 | 2,792 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2151% | 1,408 |
Cost of funding earning assets | 1.7318% | 5,112 |
Net interest margin | 4.4833% | 1,209 |
Noninterest income to average assets | 0.8401% | 2,220 |
Noninterest expense to average assets | 3.6595% | 1,923 |
Loan and lease loss provision to assets | 0.1301% | 5,797 |
Net operating income to assets | 0.6994% | 3,256 |
Return on assets (ROA) | 0.7008% | 3,360 |
Pretax return on assets | 1.0655% | 2,749 |
Return on Equity (ROE) | 4.9320% | 4,107 |
Retained earnings to average equity (ytd only) | 4.9320% | 2,551 |
Net charge-offs to loans | 0.0063% | 6,513 |
Credit loss provision to net charge-offs | 2,540.0000% | 203 |
Earnings coverage of net charge-offs (x) | 233.0000% | 177 |
Efficiency ratio | 75.4064% | 3,807 |
Assets per employee ($millions) | 3.0864% | 5,902 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4406% | 7,859 |
Loan loss allowance to noncurrent loans | 19.6919% | 7,149 |
Noncurrent assets plus other real estate owned to assets | 2.0217% | 3,171 |
Noncurrent loans to loans | 2.2373% | 3,206 |
Net loans and leases to total assets | 81.7032% | 1,010 |
Net loans and leases to deposits | 99.3192% | 1,352 |
Net loans and leases to core deposits | 121.2559% | 2,256 |
Total domestic deposits to total assets | 82.2633% | 4,586 |
Equity capital to assets | 14.4468% | 1,178 |
Core capital (leverage) ratio | 14.4415% | 1,032 |
Tier 1 risk-based capital ratio | 20.1904% | 1,538 |
Total risk-based capital ratio | 20.6967% | 1,646 |
Memoranda: | ||
Average total assets | $195,216,000 | 3,277 |
Average earning assets | $174,735,670 | 3,335 |
Average equity | $27,737,000 | 2,423 |
Average total loans | $159,235,670 | 2,834 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2802% | 1,359 |
Cost of funding earning assets | 1.8113% | 5,064 |
Net interest margin | 4.4689% | 1,195 |
Noninterest income to average assets | 0.7628% | 2,524 |
Noninterest expense to average assets | 3.5971% | 1,873 |
Loan and lease loss provision to assets | 0.1104% | 5,551 |
Net operating income to assets | 0.6626% | 3,747 |
Return on assets (ROA) | 0.6626% | 3,924 |
Pretax return on assets | 1.0613% | 3,140 |
Return on Equity (ROE) | 4.7025% | 4,608 |
Retained earnings to average equity (ytd only) | 4.7025% | 3,301 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.4288% | 3,577 |
Assets per employee ($millions) | 3.0598% | 5,997 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4014% | 7,942 |
Loan loss allowance to noncurrent loans | 245.9459% | 1,362 |
Noncurrent assets plus other real estate owned to assets | 0.3227% | 6,543 |
Noncurrent loans to loans | 0.1632% | 7,063 |
Net loans and leases to total assets | 81.9990% | 1,023 |
Net loans and leases to deposits | 99.7054% | 1,450 |
Net loans and leases to core deposits | 125.5995% | 1,948 |
Total domestic deposits to total assets | 82.2413% | 4,454 |
Equity capital to assets | 14.3723% | 1,261 |
Core capital (leverage) ratio | 14.3717% | 1,115 |
Tier 1 risk-based capital ratio | 21.0212% | 1,446 |
Total risk-based capital ratio | 21.5052% | 1,530 |
Memoranda: | ||
Average total assets | $195,602,000 | 3,291 |
Average earning assets | $175,343,500 | 3,349 |
Average equity | $27,560,000 | 2,450 |
Average total loans | $159,068,500 | 2,863 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5643% | 2,649 |
Cost of funding earning assets | 2.3919% | 4,751 |
Net interest margin | 4.1724% | 2,426 |
Noninterest income to average assets | 0.8716% | 2,098 |
Noninterest expense to average assets | 3.3401% | 2,840 |
Loan and lease loss provision to assets | 0.0338% | 6,984 |
Net operating income to assets | 0.8320% | 3,299 |
Return on assets (ROA) | 0.8393% | 3,107 |
Pretax return on assets | 1.2449% | 2,496 |
Return on Equity (ROE) | 5.9648% | 3,957 |
Retained earnings to average equity (ytd only) | 5.9648% | 1,550 |
Net charge-offs to loans | 0.0382% | 6,261 |
Credit loss provision to net charge-offs | 108.3333% | 4,958 |
Earnings coverage of net charge-offs (x) | 40.6333% | 911 |
Efficiency ratio | 72.4862% | 3,846 |
Assets per employee ($millions) | 3.0529% | 5,925 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3933% | 7,988 |
Loan loss allowance to noncurrent loans | 100.3200% | 3,445 |
Noncurrent assets plus other real estate owned to assets | 0.3250% | 6,308 |
Noncurrent loans to loans | 0.3920% | 6,166 |
Net loans and leases to total assets | 80.0284% | 1,653 |
Net loans and leases to deposits | 99.3948% | 1,925 |
Net loans and leases to core deposits | 124.9447% | 2,255 |
Total domestic deposits to total assets | 80.5157% | 4,835 |
Equity capital to assets | 13.8155% | 1,491 |
Core capital (leverage) ratio | 13.8379% | 1,300 |
Tier 1 risk-based capital ratio | 20.6314% | 1,516 |
Total risk-based capital ratio | 21.1029% | 1,603 |
Memoranda: | ||
Average total assets | $192,300,600 | 3,238 |
Average earning assets | $172,203,800 | 3,297 |
Average equity | $27,058,800 | 2,472 |
Average total loans | $157,100,000 | 2,821 |