Home > Security State Bank > Performance and Condition Ratios
Security State Bank, Performance and Condition Ratios
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 | 3.4376% | 4,883 |
Cost of funding earning assets | 0.4227% | 3,031 |
Net interest margin | 3.0149% | 4,854 |
Noninterest income to average assets | 0.7537% | 1,760 |
Noninterest expense to average assets | 2.3326% | 4,251 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.9027% | 2,697 |
Return on assets (ROA) | 0.9047% | 2,709 |
Pretax return on assets | 1.2623% | 2,498 |
Return on Equity (ROE) | 7.2696% | 3,139 |
Retained earnings to average equity (ytd only) | 4.0648% | 2,742 |
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 | 64.9351% | 3,459 |
Assets per employee ($millions) | 5.0715% | 2,395 |
Cash dividends to net income (ytd only)* | 44.0849% | 2,643 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9020% | 649 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 47.7517% | 4,785 |
Net loans and leases to deposits | 62.3682% | 4,419 |
Net loans and leases to core deposits | 64.8940% | 4,478 |
Total domestic deposits to total assets | 76.5642% | 4,911 |
Equity capital to assets | 12.3641% | 1,592 |
Core capital (leverage) ratio | 12.5997% | 1,309 |
Tier 1 risk-based capital ratio | 20.0795% | 1,304 |
Total risk-based capital ratio | 21.3327% | 1,263 |
Memoranda: | ||
Average total assets | $109,320,600 | 4,072 |
Average earning assets | $102,920,600 | 4,045 |
Average equity | $13,604,600 | 3,900 |
Average total loans | $51,866,600 | 4,411 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4348% | 4,917 |
Cost of funding earning assets | 0.4141% | 3,047 |
Net interest margin | 3.0208% | 4,874 |
Noninterest income to average assets | 0.7552% | 1,756 |
Noninterest expense to average assets | 2.3219% | 4,237 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.9877% | 2,608 |
Return on assets (ROA) | 0.9906% | 2,651 |
Pretax return on assets | 1.2811% | 2,580 |
Return on Equity (ROE) | 7.9465% | 3,154 |
Retained earnings to average equity (ytd only) | 3.6586% | 3,749 |
Net charge-offs to loans | -0.0026% | 4,349 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.5095% | 3,448 |
Assets per employee ($millions) | 4.9410% | 2,520 |
Cash dividends to net income (ytd only)* | 53.9603% | 1,590 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0127% | 558 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 46.3105% | 4,922 |
Net loans and leases to deposits | 62.6369% | 4,468 |
Net loans and leases to core deposits | 65.1229% | 4,541 |
Total domestic deposits to total assets | 73.9349% | 5,241 |
Equity capital to assets | 12.8453% | 1,467 |
Core capital (leverage) ratio | 12.5565% | 1,397 |
Tier 1 risk-based capital ratio | 20.9424% | 1,204 |
Total risk-based capital ratio | 22.1972% | 1,176 |
Memoranda: | ||
Average total assets | $108,757,500 | 4,121 |
Average earning assets | $102,400,000 | 4,101 |
Average equity | $13,557,000 | 3,942 |
Average total loans | $51,255,500 | 4,464 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4171% | 4,945 |
Cost of funding earning assets | 0.3905% | 3,172 |
Net interest margin | 3.0265% | 4,852 |
Noninterest income to average assets | 0.7814% | 1,637 |
Noninterest expense to average assets | 2.3535% | 4,200 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.9886% | 2,480 |
Return on assets (ROA) | 0.9929% | 2,509 |
Pretax return on assets | 1.2834% | 2,450 |
Return on Equity (ROE) | 8.0467% | 3,005 |
Retained earnings to average equity (ytd only) | 1.5497% | 4,628 |
Net charge-offs to loans | -0.0039% | 4,280 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.8101% | 3,534 |
Assets per employee ($millions) | 5.1336% | 2,228 |
Cash dividends to net income (ytd only)* | 80.7407% | 840 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0901% | 522 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 44.9302% | 4,996 |
Net loans and leases to deposits | 59.6383% | 4,659 |
Net loans and leases to core deposits | 60.9946% | 4,768 |
Total domestic deposits to total assets | 75.3379% | 5,165 |
Equity capital to assets | 12.7758% | 1,481 |
Core capital (leverage) ratio | 12.4245% | 1,402 |
Tier 1 risk-based capital ratio | 20.8705% | 1,211 |
Total risk-based capital ratio | 22.1257% | 1,182 |
Memoranda: | ||
Average total assets | $108,776,330 | 4,149 |
Average earning assets | $102,427,000 | 4,124 |
Average equity | $13,421,670 | 3,976 |
Average total loans | $51,216,000 | 4,489 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3791% | 4,978 |
Cost of funding earning assets | 0.3647% | 3,367 |
Net interest margin | 3.0145% | 4,859 |
Noninterest income to average assets | 0.7908% | 1,591 |
Noninterest expense to average assets | 2.4382% | 4,008 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.9323% | 2,598 |
Return on assets (ROA) | 0.9409% | 2,618 |
Pretax return on assets | 1.2081% | 2,560 |
Return on Equity (ROE) | 7.7608% | 3,034 |
Retained earnings to average equity (ytd only) | -5.4054% | 5,411 |
Net charge-offs to loans | -0.0077% | 4,322 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.0695% | 3,333 |
Assets per employee ($millions) | 5.1225% | 2,278 |
Cash dividends to net income (ytd only)* | 169.6498% | 313 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0391% | 622 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 46.1770% | 4,933 |
Net loans and leases to deposits | 59.3115% | 4,615 |
Net loans and leases to core deposits | 60.9430% | 4,727 |
Total domestic deposits to total assets | 77.8550% | 4,984 |
Equity capital to assets | 12.3070% | 1,656 |
Core capital (leverage) ratio | 12.2235% | 1,486 |
Tier 1 risk-based capital ratio | 20.0865% | 1,374 |
Total risk-based capital ratio | 21.3412% | 1,343 |
Memoranda: | ||
Average total assets | $109,262,000 | 4,182 |
Average earning assets | $103,103,000 | 4,151 |
Average equity | $13,246,000 | 4,024 |
Average total loans | $52,088,500 | 4,503 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4761% | 4,832 |
Cost of funding earning assets | 0.3566% | 3,449 |
Net interest margin | 3.1196% | 4,673 |
Noninterest income to average assets | 0.7703% | 1,878 |
Noninterest expense to average assets | 2.4367% | 4,193 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.9791% | 2,441 |
Return on assets (ROA) | 0.9849% | 2,516 |
Pretax return on assets | 1.2770% | 2,369 |
Return on Equity (ROE) | 7.7752% | 3,069 |
Retained earnings to average equity (ytd only) | 4.6039% | 2,634 |
Net charge-offs to loans | 0.0314% | 3,394 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 89.5333% | 658 |
Efficiency ratio | 65.7485% | 3,637 |
Assets per employee ($millions) | 5.0432% | 2,344 |
Cash dividends to net income (ytd only)* | 40.7869% | 2,826 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9320% | 756 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 47.2605% | 4,940 |
Net loans and leases to deposits | 64.1380% | 4,408 |
Net loans and leases to core deposits | 65.9398% | 4,532 |
Total domestic deposits to total assets | 73.6857% | 5,463 |
Equity capital to assets | 11.9449% | 1,847 |
Core capital (leverage) ratio | 12.2987% | 1,432 |
Tier 1 risk-based capital ratio | 19.4095% | 1,504 |
Total risk-based capital ratio | 20.6631% | 1,460 |
Memoranda: | ||
Average total assets | $105,797,400 | 4,242 |
Average earning assets | $99,565,000 | 4,214 |
Average equity | $13,401,600 | 4,043 |
Average total loans | $47,788,600 | 4,642 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5186% | 4,755 |
Cost of funding earning assets | 0.3580% | 3,455 |
Net interest margin | 3.1607% | 4,602 |
Noninterest income to average assets | 0.7540% | 1,951 |
Noninterest expense to average assets | 2.4788% | 4,047 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.9643% | 2,594 |
Return on assets (ROA) | 0.9721% | 2,690 |
Pretax return on assets | 1.2592% | 2,579 |
Return on Equity (ROE) | 7.5600% | 3,260 |
Retained earnings to average equity (ytd only) | 3.3435% | 3,893 |
Net charge-offs to loans | -0.0058% | 4,649 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.4956% | 3,502 |
Assets per employee ($millions) | 4.7064% | 2,741 |
Cash dividends to net income (ytd only)* | 55.7743% | 1,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2150% | 500 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 44.7678% | 5,154 |
Net loans and leases to deposits | 56.9098% | 4,940 |
Net loans and leases to core deposits | 58.5132% | 5,023 |
Total domestic deposits to total assets | 78.6645% | 4,795 |
Equity capital to assets | 13.3648% | 1,315 |
Core capital (leverage) ratio | 12.4173% | 1,433 |
Tier 1 risk-based capital ratio | 20.4119% | 1,374 |
Total risk-based capital ratio | 21.6668% | 1,336 |
Memoranda: | ||
Average total assets | $104,509,000 | 4,311 |
Average earning assets | $98,331,500 | 4,266 |
Average equity | $13,438,750 | 4,066 |
Average total loans | $46,368,500 | 4,720 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5525% | 4,732 |
Cost of funding earning assets | 0.3593% | 3,460 |
Net interest margin | 3.1932% | 4,561 |
Noninterest income to average assets | 0.7402% | 1,974 |
Noninterest expense to average assets | 2.4725% | 4,109 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.9762% | 2,490 |
Return on assets (ROA) | 0.9806% | 2,612 |
Pretax return on assets | 1.2744% | 2,506 |
Return on Equity (ROE) | 7.7260% | 3,127 |
Retained earnings to average equity (ytd only) | 1.3378% | 4,849 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.0887% | 3,673 |
Assets per employee ($millions) | 4.7637% | 2,609 |
Cash dividends to net income (ytd only)* | 82.6848% | 840 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2970% | 472 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 42.5345% | 5,311 |
Net loans and leases to deposits | 54.0766% | 5,133 |
Net loans and leases to core deposits | 55.5768% | 5,196 |
Total domestic deposits to total assets | 78.6559% | 4,860 |
Equity capital to assets | 13.0494% | 1,474 |
Core capital (leverage) ratio | 12.0587% | 1,586 |
Tier 1 risk-based capital ratio | 20.3565% | 1,371 |
Total risk-based capital ratio | 21.6116% | 1,352 |
Memoranda: | ||
Average total assets | $104,831,670 | 4,335 |
Average earning assets | $98,523,330 | 4,297 |
Average equity | $13,305,670 | 4,107 |
Average total loans | $46,023,670 | 4,766 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5804% | 4,674 |
Cost of funding earning assets | 0.3556% | 3,546 |
Net interest margin | 3.2248% | 4,501 |
Noninterest income to average assets | 0.7592% | 1,778 |
Noninterest expense to average assets | 2.5180% | 4,013 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.9899% | 2,325 |
Return on assets (ROA) | 0.9957% | 2,412 |
Pretax return on assets | 1.2933% | 2,335 |
Return on Equity (ROE) | 7.9570% | 2,940 |
Retained earnings to average equity (ytd only) | -4.9998% | 5,609 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.1986% | 3,766 |
Assets per employee ($millions) | 4.7420% | 2,684 |
Cash dividends to net income (ytd only)* | 162.8352% | 341 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2867% | 518 |
Loan loss allowance to noncurrent loans | 34,933.3333% | 28 |
Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,675 |
Noncurrent loans to loans | 0.0065% | 5,498 |
Net loans and leases to total assets | 42.9268% | 5,302 |
Net loans and leases to deposits | 54.5210% | 5,070 |
Net loans and leases to core deposits | 56.0376% | 5,130 |
Total domestic deposits to total assets | 78.7345% | 5,026 |
Equity capital to assets | 12.6845% | 1,568 |
Core capital (leverage) ratio | 11.8642% | 1,701 |
Tier 1 risk-based capital ratio | 20.0211% | 1,494 |
Total risk-based capital ratio | 21.2776% | 1,466 |
Memoranda: | ||
Average total assets | $104,846,500 | 4,371 |
Average earning assets | $98,983,000 | 4,321 |
Average equity | $13,120,500 | 4,149 |
Average total loans | $46,223,000 | 4,803 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6716% | 4,452 |
Cost of funding earning assets | 0.3754% | 3,422 |
Net interest margin | 3.2962% | 4,306 |
Noninterest income to average assets | 0.7953% | 1,804 |
Noninterest expense to average assets | 2.4410% | 4,407 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.0921% | 1,960 |
Return on assets (ROA) | 1.0936% | 2,025 |
Pretax return on assets | 1.4498% | 1,724 |
Return on Equity (ROE) | 9.0044% | 2,454 |
Retained earnings to average equity (ytd only) | 4.6492% | 2,679 |
Net charge-offs to loans | -0.0067% | 5,028 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.7699% | 4,481 |
Assets per employee ($millions) | 5.0176% | 2,346 |
Cash dividends to net income (ytd only)* | 48.3672% | 2,401 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2482% | 552 |
Loan loss allowance to noncurrent loans | 2,832.4324% | 247 |
Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,541 |
Noncurrent loans to loans | 0.0794% | 5,186 |
Net loans and leases to total assets | 43.2452% | 5,328 |
Net loans and leases to deposits | 55.1238% | 5,104 |
Net loans and leases to core deposits | 56.8990% | 5,157 |
Total domestic deposits to total assets | 78.4510% | 5,073 |
Equity capital to assets | 12.3452% | 1,710 |
Core capital (leverage) ratio | 11.8528% | 1,726 |
Tier 1 risk-based capital ratio | 19.5062% | 1,585 |
Total risk-based capital ratio | 20.7620% | 1,551 |
Memoranda: | ||
Average total assets | $103,603,400 | 4,392 |
Average earning assets | $97,233,400 | 4,360 |
Average equity | $12,582,800 | 4,208 |
Average total loans | $44,488,000 | 4,848 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6774% | 4,491 |
Cost of funding earning assets | 0.3818% | 3,409 |
Net interest margin | 3.2956% | 4,368 |
Noninterest income to average assets | 0.8078% | 1,779 |
Noninterest expense to average assets | 2.4815% | 4,256 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.0730% | 2,119 |
Return on assets (ROA) | 1.0740% | 2,208 |
Pretax return on assets | 1.4178% | 1,936 |
Return on Equity (ROE) | 8.8805% | 2,639 |
Retained earnings to average equity (ytd only) | 3.2166% | 4,173 |
Net charge-offs to loans | -0.0091% | 4,959 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.6605% | 4,309 |
Assets per employee ($millions) | 4.8995% | 2,417 |
Cash dividends to net income (ytd only)* | 63.7788% | 1,265 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3072% | 569 |
Loan loss allowance to noncurrent loans | 52,400.0000% | 26 |
Noncurrent assets plus other real estate owned to assets | 0.0019% | 5,820 |
Noncurrent loans to loans | 0.0044% | 5,645 |
Net loans and leases to total assets | 43.1286% | 5,415 |
Net loans and leases to deposits | 55.4521% | 5,157 |
Net loans and leases to core deposits | 57.2972% | 5,234 |
Total domestic deposits to total assets | 77.7763% | 5,226 |
Equity capital to assets | 12.4560% | 1,768 |
Core capital (leverage) ratio | 11.7445% | 1,861 |
Tier 1 risk-based capital ratio | 20.5375% | 1,431 |
Total risk-based capital ratio | 21.7940% | 1,394 |
Memoranda: | ||
Average total assets | $103,162,000 | 4,449 |
Average earning assets | $96,733,000 | 4,418 |
Average equity | $12,476,500 | 4,270 |
Average total loans | $43,956,250 | 4,915 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6518% | 4,570 |
Cost of funding earning assets | 0.3844% | 3,431 |
Net interest margin | 3.2674% | 4,428 |
Noninterest income to average assets | 0.8348% | 1,652 |
Noninterest expense to average assets | 2.5258% | 4,153 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.0440% | 2,163 |
Return on assets (ROA) | 1.0440% | 2,276 |
Pretax return on assets | 1.3714% | 2,106 |
Return on Equity (ROE) | 8.7193% | 2,693 |
Retained earnings to average equity (ytd only) | 0.4206% | 5,375 |
Net charge-offs to loans | -0.0138% | 5,028 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.8111% | 4,226 |
Assets per employee ($millions) | 4.4794% | 3,016 |
Cash dividends to net income (ytd only)* | 95.1763% | 602 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4034% | 545 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 41.3066% | 5,548 |
Net loans and leases to deposits | 53.2662% | 5,299 |
Net loans and leases to core deposits | 55.5190% | 5,340 |
Total domestic deposits to total assets | 77.5476% | 5,369 |
Equity capital to assets | 11.7872% | 2,172 |
Core capital (leverage) ratio | 11.5704% | 1,949 |
Tier 1 risk-based capital ratio | 20.1672% | 1,513 |
Total risk-based capital ratio | 21.4246% | 1,485 |
Memoranda: | ||
Average total assets | $103,252,670 | 4,482 |
Average earning assets | $96,773,000 | 4,450 |
Average equity | $12,363,330 | 4,312 |
Average total loans | $43,467,330 | 4,971 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6428% | 4,557 |
Cost of funding earning assets | 0.3832% | 3,491 |
Net interest margin | 3.2596% | 4,381 |
Noninterest income to average assets | 0.8281% | 1,609 |
Noninterest expense to average assets | 2.6160% | 3,875 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.9791% | 2,345 |
Return on assets (ROA) | 0.9791% | 2,480 |
Pretax return on assets | 1.2732% | 2,380 |
Return on Equity (ROE) | 8.1135% | 2,903 |
Retained earnings to average equity (ytd only) | -4.9387% | 5,932 |
Net charge-offs to loans | -0.0277% | 5,202 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.2637% | 3,942 |
Assets per employee ($millions) | 4.2730% | 3,427 |
Cash dividends to net income (ytd only)* | 160.8696% | 327 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5143% | 522 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 39.6222% | 5,616 |
Net loans and leases to deposits | 50.2560% | 5,444 |
Net loans and leases to core deposits | 52.2624% | 5,472 |
Total domestic deposits to total assets | 78.8408% | 5,292 |
Equity capital to assets | 12.3500% | 1,785 |
Core capital (leverage) ratio | 11.3910% | 2,093 |
Tier 1 risk-based capital ratio | 20.6328% | 1,497 |
Total risk-based capital ratio | 21.8894% | 1,460 |
Memoranda: | ||
Average total assets | $103,365,500 | 4,515 |
Average earning assets | $97,067,500 | 4,481 |
Average equity | $12,473,000 | 4,327 |
Average total loans | $43,398,500 | 5,002 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7871% | 4,532 |
Cost of funding earning assets | 0.4078% | 3,605 |
Net interest margin | 3.3793% | 4,284 |
Noninterest income to average assets | 0.7442% | 2,106 |
Noninterest expense to average assets | 2.5512% | 4,392 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 1.0489% | 2,168 |
Return on assets (ROA) | 1.0481% | 2,242 |
Pretax return on assets | 1.3442% | 2,092 |
Return on Equity (ROE) | 9.6147% | 2,293 |
Retained earnings to average equity (ytd only) | 7.9778% | 1,025 |
Net charge-offs to loans | -0.0226% | 5,723 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.4756% | 4,326 |
Assets per employee ($millions) | 4.7355% | 2,676 |
Cash dividends to net income (ytd only)* | 17.0253% | 3,910 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3163% | 709 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 42.3027% | 5,593 |
Net loans and leases to deposits | 56.5368% | 5,150 |
Net loans and leases to core deposits | 58.6511% | 5,223 |
Total domestic deposits to total assets | 74.8234% | 5,874 |
Equity capital to assets | 11.7883% | 2,182 |
Core capital (leverage) ratio | 11.6566% | 1,859 |
Tier 1 risk-based capital ratio | 20.2665% | 1,542 |
Total risk-based capital ratio | 21.5239% | 1,512 |
Memoranda: | ||
Average total assets | $101,992,000 | 4,544 |
Average earning assets | $95,137,600 | 4,528 |
Average equity | $11,118,400 | 4,541 |
Average total loans | $44,151,200 | 5,030 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7918% | 4,570 |
Cost of funding earning assets | 0.4105% | 3,678 |
Net interest margin | 3.3813% | 4,308 |
Noninterest income to average assets | 0.7334% | 2,168 |
Noninterest expense to average assets | 2.5353% | 4,412 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.0564% | 2,208 |
Return on assets (ROA) | 1.0554% | 2,279 |
Pretax return on assets | 1.3472% | 2,207 |
Return on Equity (ROE) | 9.8879% | 2,272 |
Retained earnings to average equity (ytd only) | 7.7330% | 1,474 |
Net charge-offs to loans | -0.0182% | 5,588 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.2792% | 4,326 |
Assets per employee ($millions) | 4.2388% | 3,404 |
Cash dividends to net income (ytd only)* | 21.7935% | 3,142 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4598% | 676 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 40.5770% | 5,783 |
Net loans and leases to deposits | 51.9815% | 5,529 |
Net loans and leases to core deposits | 53.8876% | 5,573 |
Total domestic deposits to total assets | 78.0606% | 5,518 |
Equity capital to assets | 11.3939% | 2,592 |
Core capital (leverage) ratio | 11.5517% | 2,021 |
Tier 1 risk-based capital ratio | 20.6343% | 1,521 |
Total risk-based capital ratio | 21.8919% | 1,487 |
Memoranda: | ||
Average total assets | $101,445,000 | 4,620 |
Average earning assets | $94,517,000 | 4,584 |
Average equity | $10,827,750 | 4,627 |
Average total loans | $43,910,000 | 5,093 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7847% | 4,576 |
Cost of funding earning assets | 0.4182% | 3,683 |
Net interest margin | 3.3665% | 4,333 |
Noninterest income to average assets | 0.6630% | 2,468 |
Noninterest expense to average assets | 2.5634% | 4,372 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.9887% | 2,371 |
Return on assets (ROA) | 0.9887% | 2,450 |
Pretax return on assets | 1.2294% | 2,538 |
Return on Equity (ROE) | 9.4767% | 2,379 |
Retained earnings to average equity (ytd only) | 7.2446% | 1,641 |
Net charge-offs to loans | -0.0225% | 5,588 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.5858% | 4,088 |
Assets per employee ($millions) | 4.2514% | 3,369 |
Cash dividends to net income (ytd only)* | 23.5529% | 3,052 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4907% | 721 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 39.9047% | 5,822 |
Net loans and leases to deposits | 48.8917% | 5,716 |
Net loans and leases to core deposits | 50.8137% | 5,748 |
Total domestic deposits to total assets | 81.6187% | 4,777 |
Equity capital to assets | 11.0337% | 2,839 |
Core capital (leverage) ratio | 11.1986% | 2,244 |
Tier 1 risk-based capital ratio | 20.0021% | 1,684 |
Total risk-based capital ratio | 21.2601% | 1,651 |
Memoranda: | ||
Average total assets | $101,350,000 | 4,649 |
Average earning assets | $94,221,330 | 4,636 |
Average equity | $10,573,330 | 4,690 |
Average total loans | $44,440,000 | 5,105 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8532% | 4,281 |
Cost of funding earning assets | 0.4234% | 3,724 |
Net interest margin | 3.4298% | 3,986 |
Noninterest income to average assets | 0.6257% | 2,593 |
Noninterest expense to average assets | 2.6532% | 4,103 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.9465% | 2,422 |
Return on assets (ROA) | 0.9465% | 2,492 |
Pretax return on assets | 1.1484% | 2,704 |
Return on Equity (ROE) | 9.3442% | 2,314 |
Retained earnings to average equity (ytd only) | 4.9262% | 3,156 |
Net charge-offs to loans | 0.1223% | 1,988 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 20.7143% | 1,323 |
Efficiency ratio | 69.7917% | 3,872 |
Assets per employee ($millions) | 4.2320% | 3,470 |
Cash dividends to net income (ytd only)* | 47.2803% | 1,775 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3185% | 1,000 |
Loan loss allowance to noncurrent loans | 2,219.5652% | 261 |
Noncurrent assets plus other real estate owned to assets | 0.0453% | 6,149 |
Noncurrent loans to loans | 0.1045% | 5,814 |
Net loans and leases to total assets | 42.3523% | 5,634 |
Net loans and leases to deposits | 51.3943% | 5,489 |
Net loans and leases to core deposits | 53.5698% | 5,529 |
Total domestic deposits to total assets | 82.4067% | 4,813 |
Equity capital to assets | 10.3685% | 3,372 |
Core capital (leverage) ratio | 11.2849% | 2,154 |
Tier 1 risk-based capital ratio | 18.8459% | 2,014 |
Total risk-based capital ratio | 20.1030% | 1,972 |
Memoranda: | ||
Average total assets | $101,008,500 | 4,708 |
Average earning assets | $93,532,000 | 4,696 |
Average equity | $10,231,000 | 4,771 |
Average total loans | $45,782,000 | 5,083 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1180% | 3,669 |
Cost of funding earning assets | 0.4757% | 3,858 |
Net interest margin | 3.6424% | 3,275 |
Noninterest income to average assets | 0.9029% | 1,668 |
Noninterest expense to average assets | 2.6274% | 4,363 |
Loan and lease loss provision to assets | 0.0582% | 3,975 |
Net operating income to assets | 1.2686% | 1,338 |
Return on assets (ROA) | 1.2686% | 1,394 |
Pretax return on assets | 1.6187% | 1,122 |
Return on Equity (ROE) | 12.2653% | 1,338 |
Retained earnings to average equity (ytd only) | 8.3926% | 933 |
Net charge-offs to loans | 0.3099% | 2,134 |
Credit loss provision to net charge-offs | 44.7761% | 3,944 |
Earnings coverage of net charge-offs (x) | 12.9030% | 2,086 |
Efficiency ratio | 60.9959% | 5,360 |
Assets per employee ($millions) | 4.1854% | 3,470 |
Cash dividends to net income (ytd only)* | 31.5749% | 3,217 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1777% | 1,208 |
Loan loss allowance to noncurrent loans | 3,044.1176% | 206 |
Noncurrent assets plus other real estate owned to assets | 0.0338% | 6,278 |
Noncurrent loans to loans | 0.0715% | 6,005 |
Net loans and leases to total assets | 46.2837% | 5,462 |
Net loans and leases to deposits | 57.9722% | 5,127 |
Net loans and leases to core deposits | 60.2548% | 5,204 |
Total domestic deposits to total assets | 79.8377% | 5,483 |
Equity capital to assets | 9.8865% | 3,919 |
Core capital (leverage) ratio | 11.1057% | 2,289 |
Tier 1 risk-based capital ratio | 17.2981% | 2,493 |
Total risk-based capital ratio | 18.5530% | 2,466 |
Memoranda: | ||
Average total assets | $103,107,000 | 4,670 |
Average earning assets | $96,283,600 | 4,611 |
Average equity | $10,664,200 | 4,705 |
Average total loans | $43,245,000 | 5,228 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2103% | 3,349 |
Cost of funding earning assets | 0.4806% | 3,959 |
Net interest margin | 3.7297% | 2,922 |
Noninterest income to average assets | 0.9251% | 1,676 |
Noninterest expense to average assets | 2.5761% | 4,475 |
Loan and lease loss provision to assets | 0.0578% | 3,896 |
Net operating income to assets | 1.3748% | 1,162 |
Return on assets (ROA) | 1.3748% | 1,207 |
Pretax return on assets | 1.7808% | 942 |
Return on Equity (ROE) | 13.1517% | 1,207 |
Retained earnings to average equity (ytd only) | 8.0754% | 1,381 |
Net charge-offs to loans | 0.0538% | 4,140 |
Credit loss provision to net charge-offs | 264.7059% | 947 |
Earnings coverage of net charge-offs (x) | 84.1619% | 566 |
Efficiency ratio | 58.2945% | 5,650 |
Assets per employee ($millions) | 4.1010% | 3,637 |
Cash dividends to net income (ytd only)* | 38.5980% | 2,334 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6776% | 767 |
Loan loss allowance to noncurrent loans | 226.0437% | 1,792 |
Noncurrent assets plus other real estate owned to assets | 0.5111% | 4,916 |
Noncurrent loans to loans | 1.1845% | 3,450 |
Net loans and leases to total assets | 41.9892% | 5,905 |
Net loans and leases to deposits | 51.0834% | 5,771 |
Net loans and leases to core deposits | 53.4694% | 5,800 |
Total domestic deposits to total assets | 82.1973% | 4,862 |
Equity capital to assets | 10.0281% | 3,863 |
Core capital (leverage) ratio | 10.5237% | 2,979 |
Tier 1 risk-based capital ratio | 18.3348% | 2,205 |
Total risk-based capital ratio | 19.5936% | 2,161 |
Memoranda: | ||
Average total assets | $103,771,250 | 4,697 |
Average earning assets | $97,092,500 | 4,639 |
Average equity | $10,847,500 | 4,718 |
Average total loans | $42,174,500 | 5,305 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7691% | 4,931 |
Cost of funding earning assets | 0.4810% | 4,081 |
Net interest margin | 3.2881% | 4,632 |
Noninterest income to average assets | 1.0099% | 1,506 |
Noninterest expense to average assets | 2.5181% | 4,661 |
Loan and lease loss provision to assets | 0.0568% | 3,863 |
Net operating income to assets | 1.2051% | 1,583 |
Return on assets (ROA) | 1.2051% | 1,687 |
Pretax return on assets | 1.5177% | 1,568 |
Return on Equity (ROE) | 11.3843% | 1,690 |
Retained earnings to average equity (ytd only) | 4.2959% | 3,553 |
Net charge-offs to loans | 0.0808% | 3,567 |
Credit loss provision to net charge-offs | 176.4706% | 1,345 |
Earnings coverage of net charge-offs (x) | 48.8824% | 812 |
Efficiency ratio | 61.4352% | 5,255 |
Assets per employee ($millions) | 4.3376% | 3,111 |
Cash dividends to net income (ytd only)* | 62.2642% | 1,434 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7897% | 716 |
Loan loss allowance to noncurrent loans | 79.0698% | 4,062 |
Noncurrent assets plus other real estate owned to assets | 1.3823% | 3,030 |
Noncurrent loans to loans | 3.5281% | 1,194 |
Net loans and leases to total assets | 37.5570% | 6,204 |
Net loans and leases to deposits | 45.6566% | 6,130 |
Net loans and leases to core deposits | 47.8117% | 6,141 |
Total domestic deposits to total assets | 82.2599% | 4,957 |
Equity capital to assets | 10.0996% | 3,789 |
Core capital (leverage) ratio | 9.8495% | 3,720 |
Tier 1 risk-based capital ratio | 18.3088% | 2,207 |
Total risk-based capital ratio | 19.5687% | 2,169 |
Memoranda: | ||
Average total assets | $105,554,000 | 4,689 |
Average earning assets | $98,963,000 | 4,626 |
Average equity | $11,173,330 | 4,687 |
Average total loans | $42,078,000 | 5,333 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7693% | 4,925 |
Cost of funding earning assets | 0.4862% | 4,221 |
Net interest margin | 3.2830% | 4,581 |
Noninterest income to average assets | 0.9183% | 1,697 |
Noninterest expense to average assets | 2.5367% | 4,621 |
Loan and lease loss provision to assets | 0.0565% | 3,695 |
Net operating income to assets | 1.1291% | 1,748 |
Return on assets (ROA) | 1.1291% | 1,866 |
Pretax return on assets | 1.4001% | 1,851 |
Return on Equity (ROE) | 10.4321% | 1,902 |
Retained earnings to average equity (ytd only) | -2.8514% | 6,174 |
Net charge-offs to loans | 0.1581% | 2,455 |
Credit loss provision to net charge-offs | 88.2353% | 2,048 |
Earnings coverage of net charge-offs (x) | 22.7647% | 1,126 |
Efficiency ratio | 63.3365% | 5,109 |
Assets per employee ($millions) | 4.4057% | 3,143 |
Cash dividends to net income (ytd only)* | 127.3333% | 463 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7013% | 915 |
Loan loss allowance to noncurrent loans | 77.9029% | 4,025 |
Noncurrent assets plus other real estate owned to assets | 1.4678% | 3,058 |
Noncurrent loans to loans | 3.4675% | 1,387 |
Net loans and leases to total assets | 37.7105% | 6,166 |
Net loans and leases to deposits | 45.2476% | 6,108 |
Net loans and leases to core deposits | 47.3164% | 6,134 |
Total domestic deposits to total assets | 83.3426% | 4,737 |
Equity capital to assets | 10.7389% | 3,272 |
Core capital (leverage) ratio | 9.6276% | 3,873 |
Tier 1 risk-based capital ratio | 17.5122% | 2,553 |
Total risk-based capital ratio | 18.7705% | 2,516 |
Memoranda: | ||
Average total assets | $106,279,500 | 4,707 |
Average earning assets | $99,542,000 | 4,637 |
Average equity | $11,503,000 | 4,672 |
Average total loans | $43,007,000 | 5,338 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1660% | 4,706 |
Cost of funding earning assets | 0.5855% | 4,485 |
Net interest margin | 3.5805% | 4,180 |
Noninterest income to average assets | 0.8631% | 1,984 |
Noninterest expense to average assets | 2.5774% | 4,828 |
Loan and lease loss provision to assets | 0.1204% | 4,116 |
Net operating income to assets | 1.2130% | 1,559 |
Return on assets (ROA) | 1.2114% | 1,727 |
Pretax return on assets | 1.5085% | 1,648 |
Return on Equity (ROE) | 10.8643% | 1,847 |
Retained earnings to average equity (ytd only) | 6.9488% | 1,594 |
Net charge-offs to loans | 0.2444% | 3,480 |
Credit loss provision to net charge-offs | 111.1111% | 2,626 |
Earnings coverage of net charge-offs (x) | 15.0463% | 1,682 |
Efficiency ratio | 61.0780% | 5,376 |
Assets per employee ($millions) | 4.4509% | 3,052 |
Cash dividends to net income (ytd only)* | 36.0398% | 3,084 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4626% | 1,167 |
Loan loss allowance to noncurrent loans | 76.8538% | 4,016 |
Noncurrent assets plus other real estate owned to assets | 1.4772% | 3,167 |
Noncurrent loans to loans | 3.2043% | 1,615 |
Net loans and leases to total assets | 41.1189% | 6,086 |
Net loans and leases to deposits | 51.4116% | 5,857 |
Net loans and leases to core deposits | 53.8324% | 5,885 |
Total domestic deposits to total assets | 79.9798% | 5,672 |
Equity capital to assets | 10.9069% | 3,059 |
Core capital (leverage) ratio | 9.7695% | 3,697 |
Tier 1 risk-based capital ratio | 16.7815% | 2,756 |
Total risk-based capital ratio | 18.0346% | 2,717 |
Memoranda: | ||
Average total assets | $99,636,000 | 4,848 |
Average earning assets | $93,086,600 | 4,775 |
Average equity | $11,109,800 | 4,739 |
Average total loans | $44,182,800 | 5,322 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1942% | 4,838 |
Cost of funding earning assets | 0.6098% | 4,541 |
Net interest margin | 3.5844% | 4,298 |
Noninterest income to average assets | 0.8558% | 2,000 |
Noninterest expense to average assets | 2.5756% | 4,825 |
Loan and lease loss provision to assets | 0.1226% | 4,018 |
Net operating income to assets | 1.2191% | 1,670 |
Return on assets (ROA) | 1.2169% | 1,855 |
Pretax return on assets | 1.5113% | 1,841 |
Return on Equity (ROE) | 10.8492% | 2,009 |
Retained earnings to average equity (ytd only) | 5.8315% | 2,805 |
Net charge-offs to loans | 0.3275% | 2,821 |
Credit loss provision to net charge-offs | 83.3333% | 3,513 |
Earnings coverage of net charge-offs (x) | 11.1201% | 2,106 |
Efficiency ratio | 60.9835% | 5,315 |
Assets per employee ($millions) | 4.1827% | 3,514 |
Cash dividends to net income (ytd only)* | 46.2482% | 1,873 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5255% | 1,181 |
Loan loss allowance to noncurrent loans | 95.5713% | 3,362 |
Noncurrent assets plus other real estate owned to assets | 1.4733% | 3,393 |
Noncurrent loans to loans | 2.6425% | 2,148 |
Net loans and leases to total assets | 41.4857% | 6,164 |
Net loans and leases to deposits | 50.5376% | 6,071 |
Net loans and leases to core deposits | 53.0516% | 6,115 |
Total domestic deposits to total assets | 82.0888% | 4,987 |
Equity capital to assets | 11.5028% | 2,736 |
Core capital (leverage) ratio | 9.7154% | 3,933 |
Tier 1 risk-based capital ratio | 16.9481% | 2,760 |
Total risk-based capital ratio | 18.2072% | 2,716 |
Memoranda: | ||
Average total assets | $97,839,500 | 4,935 |
Average earning assets | $91,616,000 | 4,868 |
Average equity | $10,974,500 | 4,811 |
Average total loans | $43,970,250 | 5,392 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1977% | 4,963 |
Cost of funding earning assets | 0.6268% | 4,658 |
Net interest margin | 3.5709% | 4,383 |
Noninterest income to average assets | 0.7898% | 2,235 |
Noninterest expense to average assets | 2.5837% | 4,834 |
Loan and lease loss provision to assets | 0.1237% | 3,980 |
Net operating income to assets | 1.1643% | 1,835 |
Return on assets (ROA) | 1.1609% | 2,050 |
Pretax return on assets | 1.4146% | 2,146 |
Return on Equity (ROE) | 10.4417% | 2,198 |
Retained earnings to average equity (ytd only) | 3.1344% | 4,540 |
Net charge-offs to loans | 0.2478% | 3,093 |
Credit loss provision to net charge-offs | 109.0909% | 2,493 |
Earnings coverage of net charge-offs (x) | 13.6000% | 1,782 |
Efficiency ratio | 62.4688% | 5,172 |
Assets per employee ($millions) | 4.1923% | 3,469 |
Cash dividends to net income (ytd only)* | 69.9822% | 1,089 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5520% | 1,210 |
Loan loss allowance to noncurrent loans | 92.3722% | 3,415 |
Noncurrent assets plus other real estate owned to assets | 1.5554% | 3,369 |
Noncurrent loans to loans | 2.7628% | 2,175 |
Net loans and leases to total assets | 41.8214% | 6,198 |
Net loans and leases to deposits | 50.5011% | 6,146 |
Net loans and leases to core deposits | 52.9722% | 6,165 |
Total domestic deposits to total assets | 82.8129% | 4,821 |
Equity capital to assets | 11.1046% | 3,013 |
Core capital (leverage) ratio | 9.7329% | 3,794 |
Tier 1 risk-based capital ratio | 16.4896% | 2,919 |
Total risk-based capital ratio | 17.7486% | 2,877 |
Memoranda: | ||
Average total assets | $96,991,330 | 4,979 |
Average earning assets | $90,621,330 | 4,912 |
Average equity | $10,783,670 | 4,864 |
Average total loans | $44,385,670 | 5,415 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3796% | 4,407 |
Cost of funding earning assets | 0.6488% | 4,746 |
Net interest margin | 3.7308% | 3,692 |
Noninterest income to average assets | 0.7649% | 2,324 |
Noninterest expense to average assets | 2.6855% | 4,478 |
Loan and lease loss provision to assets | 0.1261% | 3,772 |
Net operating income to assets | 1.1821% | 1,791 |
Return on assets (ROA) | 1.1683% | 2,013 |
Pretax return on assets | 1.4163% | 2,134 |
Return on Equity (ROE) | 10.5015% | 2,233 |
Retained earnings to average equity (ytd only) | -4.1175% | 6,509 |
Net charge-offs to loans | 0.4890% | 1,867 |
Credit loss provision to net charge-offs | 54.5455% | 3,208 |
Earnings coverage of net charge-offs (x) | 6.7455% | 2,162 |
Efficiency ratio | 63.1683% | 5,075 |
Assets per employee ($millions) | 4.1656% | 3,651 |
Cash dividends to net income (ytd only)* | 139.2086% | 343 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5140% | 1,334 |
Loan loss allowance to noncurrent loans | 224.2678% | 1,480 |
Noncurrent assets plus other real estate owned to assets | 0.9289% | 4,664 |
Noncurrent loans to loans | 1.1210% | 4,458 |
Net loans and leases to total assets | 43.3874% | 6,064 |
Net loans and leases to deposits | 52.6083% | 5,937 |
Net loans and leases to core deposits | 55.1050% | 5,979 |
Total domestic deposits to total assets | 82.4724% | 5,136 |
Equity capital to assets | 11.0804% | 2,815 |
Core capital (leverage) ratio | 9.6999% | 3,770 |
Tier 1 risk-based capital ratio | 16.0989% | 3,126 |
Total risk-based capital ratio | 17.3553% | 3,086 |
Memoranda: | ||
Average total assets | $95,179,000 | 5,056 |
Average earning assets | $88,774,500 | 4,998 |
Average equity | $10,589,000 | 4,908 |
Average total loans | $44,988,000 | 5,421 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9369% | 3,170 |
Cost of funding earning assets | 0.7620% | 5,123 |
Net interest margin | 4.1749% | 2,136 |
Noninterest income to average assets | 0.6730% | 2,765 |
Noninterest expense to average assets | 2.8158% | 4,288 |
Loan and lease loss provision to assets | 0.2043% | 4,143 |
Net operating income to assets | 1.2668% | 1,330 |
Return on assets (ROA) | 1.3120% | 1,321 |
Pretax return on assets | 1.5878% | 1,234 |
Return on Equity (ROE) | 12.1299% | 1,372 |
Retained earnings to average equity (ytd only) | 11.2380% | 378 |
Net charge-offs to loans | 0.0022% | 6,424 |
Credit loss provision to net charge-offs | 18,000.0000% | 8 |
Earnings coverage of net charge-offs (x) | 1,531.0000% | 11 |
Efficiency ratio | 61.6650% | 5,509 |
Assets per employee ($millions) | 4.1108% | 3,629 |
Cash dividends to net income (ytd only)* | 7.3529% | 3,929 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3175% | 1,596 |
Loan loss allowance to noncurrent loans | 800.7299% | 473 |
Noncurrent assets plus other real estate owned to assets | 0.2718% | 6,284 |
Noncurrent loans to loans | 0.2894% | 6,144 |
Net loans and leases to total assets | 48.9037% | 5,725 |
Net loans and leases to deposits | 60.9823% | 5,369 |
Net loans and leases to core deposits | 64.1464% | 5,448 |
Total domestic deposits to total assets | 80.1933% | 5,687 |
Equity capital to assets | 11.1709% | 2,824 |
Core capital (leverage) ratio | 10.2239% | 3,061 |
Tier 1 risk-based capital ratio | 15.6483% | 3,239 |
Total risk-based capital ratio | 16.9050% | 3,192 |
Memoranda: | ||
Average total assets | $88,109,000 | 5,233 |
Average earning assets | $81,894,200 | 5,174 |
Average equity | $9,530,200 | 5,143 |
Average total loans | $46,193,800 | 5,419 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0509% | 2,837 |
Cost of funding earning assets | 0.7884% | 5,227 |
Net interest margin | 4.2625% | 1,860 |
Noninterest income to average assets | 0.6551% | 2,851 |
Noninterest expense to average assets | 2.8547% | 4,127 |
Loan and lease loss provision to assets | 0.2081% | 3,934 |
Net operating income to assets | 1.2844% | 1,423 |
Return on assets (ROA) | 1.3087% | 1,445 |
Pretax return on assets | 1.5799% | 1,435 |
Return on Equity (ROE) | 12.2081% | 1,487 |
Retained earnings to average equity (ytd only) | 11.4604% | 559 |
Net charge-offs to loans | 0.0029% | 6,158 |
Credit loss provision to net charge-offs | 13,500.0000% | 19 |
Earnings coverage of net charge-offs (x) | 1,143.8346% | 18 |
Efficiency ratio | 61.7107% | 5,459 |
Assets per employee ($millions) | 3.6940% | 4,552 |
Cash dividends to net income (ytd only)* | 6.1247% | 3,378 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2726% | 1,730 |
Loan loss allowance to noncurrent loans | 756.8345% | 452 |
Noncurrent assets plus other real estate owned to assets | 0.3440% | 6,208 |
Noncurrent loans to loans | 0.3003% | 6,246 |
Net loans and leases to total assets | 51.0259% | 5,576 |
Net loans and leases to deposits | 61.8631% | 5,418 |
Net loans and leases to core deposits | 65.1882% | 5,504 |
Total domestic deposits to total assets | 82.4819% | 4,889 |
Equity capital to assets | 11.6539% | 2,538 |
Core capital (leverage) ratio | 10.1346% | 3,265 |
Tier 1 risk-based capital ratio | 16.0212% | 3,110 |
Total risk-based capital ratio | 17.2784% | 3,068 |
Memoranda: | ||
Average total assets | $86,499,000 | 5,314 |
Average earning assets | $80,326,250 | 5,262 |
Average equity | $9,272,250 | 5,239 |
Average total loans | $45,908,500 | 5,472 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0758% | 2,792 |
Cost of funding earning assets | 0.7987% | 5,374 |
Net interest margin | 4.2771% | 1,744 |
Noninterest income to average assets | 0.5922% | 3,184 |
Noninterest expense to average assets | 2.9284% | 3,908 |
Loan and lease loss provision to assets | 0.2098% | 3,818 |
Net operating income to assets | 1.2121% | 1,536 |
Return on assets (ROA) | 1.2101% | 1,625 |
Pretax return on assets | 1.4222% | 1,745 |
Return on Equity (ROE) | 11.6381% | 1,593 |
Retained earnings to average equity (ytd only) | 10.9654% | 670 |
Net charge-offs to loans | 0.0044% | 5,820 |
Credit loss provision to net charge-offs | 9,000.0000% | 30 |
Earnings coverage of net charge-offs (x) | 701.0000% | 42 |
Efficiency ratio | 64.0266% | 5,235 |
Assets per employee ($millions) | 3.6778% | 4,506 |
Cash dividends to net income (ytd only)* | 5.7803% | 3,215 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2735% | 1,789 |
Loan loss allowance to noncurrent loans | 685.0340% | 510 |
Noncurrent assets plus other real estate owned to assets | 0.3648% | 6,225 |
Noncurrent loans to loans | 0.3319% | 6,250 |
Net loans and leases to total assets | 49.0393% | 5,944 |
Net loans and leases to deposits | 58.9304% | 5,827 |
Net loans and leases to core deposits | 62.0689% | 5,891 |
Total domestic deposits to total assets | 83.2155% | 4,664 |
Equity capital to assets | 10.7867% | 3,186 |
Core capital (leverage) ratio | 10.0856% | 3,157 |
Tier 1 risk-based capital ratio | 15.9435% | 3,005 |
Total risk-based capital ratio | 17.2010% | 2,968 |
Memoranda: | ||
Average total assets | $85,779,670 | 5,374 |
Average earning assets | $79,633,000 | 5,327 |
Average equity | $8,919,000 | 5,347 |
Average total loans | $45,781,330 | 5,528 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1414% | 2,466 |
Cost of funding earning assets | 0.8169% | 5,483 |
Net interest margin | 4.3245% | 1,488 |
Noninterest income to average assets | 0.4921% | 3,951 |
Noninterest expense to average assets | 3.0851% | 3,315 |
Loan and lease loss provision to assets | 0.2129% | 3,520 |
Net operating income to assets | 1.0784% | 1,916 |
Return on assets (ROA) | 1.0741% | 1,984 |
Pretax return on assets | 1.1971% | 2,382 |
Return on Equity (ROE) | 10.5361% | 1,901 |
Retained earnings to average equity (ytd only) | 9.3293% | 1,285 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.3491% | 4,591 |
Assets per employee ($millions) | 3.3932% | 5,265 |
Cash dividends to net income (ytd only)* | 11.4537% | 2,355 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1507% | 2,078 |
Loan loss allowance to noncurrent loans | 580.1205% | 575 |
Noncurrent assets plus other real estate owned to assets | 0.4821% | 6,021 |
Noncurrent loans to loans | 0.3707% | 6,256 |
Net loans and leases to total assets | 51.6486% | 5,625 |
Net loans and leases to deposits | 62.0358% | 5,489 |
Net loans and leases to core deposits | 64.5472% | 5,673 |
Total domestic deposits to total assets | 83.2561% | 4,816 |
Equity capital to assets | 10.3783% | 3,313 |
Core capital (leverage) ratio | 10.0908% | 3,052 |
Tier 1 risk-based capital ratio | 15.4992% | 3,164 |
Total risk-based capital ratio | 16.7570% | 3,109 |
Memoranda: | ||
Average total assets | $84,536,500 | 5,453 |
Average earning assets | $78,344,000 | 5,407 |
Average equity | $8,618,000 | 5,431 |
Average total loans | $46,526,000 | 5,546 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3967% | 2,685 |
Cost of funding earning assets | 1.0814% | 5,246 |
Net interest margin | 4.3152% | 1,768 |
Noninterest income to average assets | 0.6310% | 3,277 |
Noninterest expense to average assets | 3.0288% | 3,740 |
Loan and lease loss provision to assets | 0.3614% | 3,952 |
Net operating income to assets | 1.0716% | 1,793 |
Return on assets (ROA) | 1.0855% | 1,831 |
Pretax return on assets | 1.2120% | 2,182 |
Return on Equity (ROE) | 10.5251% | 1,748 |
Retained earnings to average equity (ytd only) | 6.0606% | 1,781 |
Net charge-offs to loans | 0.0476% | 6,325 |
Credit loss provision to net charge-offs | 1,262.5000% | 181 |
Earnings coverage of net charge-offs (x) | 54.4167% | 432 |
Efficiency ratio | 65.8518% | 4,997 |
Assets per employee ($millions) | 3.3697% | 5,244 |
Cash dividends to net income (ytd only)* | 42.4176% | 2,473 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9016% | 2,560 |
Loan loss allowance to noncurrent loans | 553.0120% | 591 |
Noncurrent assets plus other real estate owned to assets | 0.5817% | 5,858 |
Noncurrent loans to loans | 0.3439% | 6,370 |
Net loans and leases to total assets | 56.2154% | 5,309 |
Net loans and leases to deposits | 68.7829% | 4,989 |
Net loans and leases to core deposits | 70.8767% | 5,347 |
Total domestic deposits to total assets | 81.7288% | 5,275 |
Equity capital to assets | 10.0093% | 3,736 |
Core capital (leverage) ratio | 9.7840% | 3,337 |
Tier 1 risk-based capital ratio | 14.5854% | 3,487 |
Total risk-based capital ratio | 15.8397% | 3,449 |
Memoranda: | ||
Average total assets | $83,829,600 | 5,471 |
Average earning assets | $76,843,800 | 5,450 |
Average equity | $8,646,000 | 5,516 |
Average total loans | $50,449,400 | 5,471 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4468% | 2,661 |
Cost of funding earning assets | 1.1427% | 5,187 |
Net interest margin | 4.3041% | 1,838 |
Noninterest income to average assets | 0.5383% | 3,877 |
Noninterest expense to average assets | 3.0543% | 3,557 |
Loan and lease loss provision to assets | 0.3631% | 3,717 |
Net operating income to assets | 0.9792% | 2,301 |
Return on assets (ROA) | 0.9985% | 2,358 |
Pretax return on assets | 1.0765% | 2,906 |
Return on Equity (ROE) | 9.6095% | 2,287 |
Retained earnings to average equity (ytd only) | 7.9083% | 1,451 |
Net charge-offs to loans | 0.0628% | 5,885 |
Credit loss provision to net charge-offs | 950.0000% | 302 |
Earnings coverage of net charge-offs (x) | 37.1241% | 733 |
Efficiency ratio | 68.1025% | 4,448 |
Assets per employee ($millions) | 3.3346% | 5,374 |
Cash dividends to net income (ytd only)* | 17.7038% | 3,054 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6836% | 3,206 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.0616% | 4,994 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 59.0524% | 5,097 |
Net loans and leases to deposits | 74.7241% | 4,394 |
Net loans and leases to core deposits | 77.7206% | 4,835 |
Total domestic deposits to total assets | 79.0272% | 6,010 |
Equity capital to assets | 11.1282% | 2,831 |
Core capital (leverage) ratio | 9.9581% | 3,288 |
Tier 1 risk-based capital ratio | 14.3047% | 3,630 |
Total risk-based capital ratio | 15.5579% | 3,588 |
Memoranda: | ||
Average total assets | $83,726,500 | 5,548 |
Average earning assets | $76,544,750 | 5,531 |
Average equity | $8,699,500 | 5,577 |
Average total loans | $50,993,000 | 5,530 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4915% | 2,554 |
Cost of funding earning assets | 1.2070% | 5,084 |
Net interest margin | 4.2845% | 1,840 |
Noninterest income to average assets | 0.3721% | 5,163 |
Noninterest expense to average assets | 3.1367% | 3,162 |
Loan and lease loss provision to assets | 0.3650% | 3,519 |
Net operating income to assets | 0.8086% | 2,929 |
Return on assets (ROA) | 0.8396% | 2,937 |
Pretax return on assets | 0.8134% | 3,833 |
Return on Equity (ROE) | 8.2755% | 2,774 |
Retained earnings to average equity (ytd only) | 6.0891% | 2,287 |
Net charge-offs to loans | 0.0975% | 5,170 |
Credit loss provision to net charge-offs | 612.0000% | 598 |
Earnings coverage of net charge-offs (x) | 19.2400% | 1,262 |
Efficiency ratio | 73.0512% | 3,650 |
Assets per employee ($millions) | 3.3014% | 5,428 |
Cash dividends to net income (ytd only)* | 26.4205% | 2,644 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5336% | 3,748 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 1.1219% | 4,887 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 59.6668% | 5,129 |
Net loans and leases to deposits | 73.6037% | 4,738 |
Net loans and leases to core deposits | 76.4262% | 5,150 |
Total domestic deposits to total assets | 81.0650% | 5,380 |
Equity capital to assets | 10.5252% | 3,380 |
Core capital (leverage) ratio | 9.6872% | 3,559 |
Tier 1 risk-based capital ratio | 13.7845% | 3,890 |
Total risk-based capital ratio | 15.0358% | 3,851 |
Memoranda: | ||
Average total assets | $83,847,000 | 5,568 |
Average earning assets | $76,554,670 | 5,560 |
Average equity | $8,507,000 | 5,635 |
Average total loans | $51,300,000 | 5,552 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5617% | 2,313 |
Cost of funding earning assets | 1.3178% | 4,706 |
Net interest margin | 4.2439% | 1,873 |
Noninterest income to average assets | 0.5207% | 3,889 |
Noninterest expense to average assets | 3.1241% | 3,161 |
Loan and lease loss provision to assets | 0.3692% | 3,153 |
Net operating income to assets | 0.8903% | 2,592 |
Return on assets (ROA) | 0.9325% | 2,488 |
Pretax return on assets | 0.9420% | 3,308 |
Return on Equity (ROE) | 9.3620% | 2,353 |
Retained earnings to average equity (ytd only) | 7.7938% | 1,795 |
Net charge-offs to loans | 0.1925% | 3,765 |
Credit loss provision to net charge-offs | 312.0000% | 1,265 |
Earnings coverage of net charge-offs (x) | 10.7200% | 1,717 |
Efficiency ratio | 70.9052% | 4,131 |
Assets per employee ($millions) | 3.2759% | 5,592 |
Cash dividends to net income (ytd only)* | 16.7513% | 2,292 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3308% | 4,771 |
Loan loss allowance to noncurrent loans | 4,070.5882% | 88 |
Noncurrent assets plus other real estate owned to assets | 1.3566% | 4,480 |
Noncurrent loans to loans | 0.0327% | 7,331 |
Net loans and leases to total assets | 62.6487% | 4,629 |
Net loans and leases to deposits | 77.9958% | 4,044 |
Net loans and leases to core deposits | 81.0284% | 4,619 |
Total domestic deposits to total assets | 80.3231% | 5,680 |
Equity capital to assets | 10.3690% | 3,383 |
Core capital (leverage) ratio | 9.2906% | 4,072 |
Tier 1 risk-based capital ratio | 13.2539% | 4,166 |
Total risk-based capital ratio | 14.4266% | 4,183 |
Memoranda: | ||
Average total assets | $84,503,000 | 5,614 |
Average earning assets | $77,099,000 | 5,597 |
Average equity | $8,417,000 | 5,710 |
Average total loans | $51,943,500 | 5,588 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5724% | 3,748 |
Cost of funding earning assets | 1.5701% | 5,183 |
Net interest margin | 4.0023% | 2,853 |
Noninterest income to average assets | 0.9242% | 1,851 |
Noninterest expense to average assets | 2.8384% | 4,802 |
Loan and lease loss provision to assets | 1.0660% | 2,149 |
Net operating income to assets | 0.7664% | 2,652 |
Return on assets (ROA) | 0.8078% | 2,589 |
Pretax return on assets | 0.7687% | 3,349 |
Return on Equity (ROE) | 8.3470% | 2,255 |
Retained earnings to average equity (ytd only) | 1.6194% | 3,949 |
Net charge-offs to loans | 1.6185% | 1,561 |
Credit loss provision to net charge-offs | 105.5936% | 5,246 |
Earnings coverage of net charge-offs (x) | 1.7763% | 4,392 |
Efficiency ratio | 61.1097% | 6,317 |
Assets per employee ($millions) | 3.4843% | 5,040 |
Cash dividends to net income (ytd only)* | 80.5991% | 1,156 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2315% | 5,165 |
Loan loss allowance to noncurrent loans | 672.6316% | 515 |
Noncurrent assets plus other real estate owned to assets | 1.4109% | 4,296 |
Noncurrent loans to loans | 0.1831% | 6,967 |
Net loans and leases to total assets | 58.8327% | 5,510 |
Net loans and leases to deposits | 76.0570% | 4,738 |
Net loans and leases to core deposits | 84.7607% | 5,645 |
Total domestic deposits to total assets | 77.3534% | 6,378 |
Equity capital to assets | 9.5766% | 4,299 |
Core capital (leverage) ratio | 8.7284% | 4,876 |
Tier 1 risk-based capital ratio | 12.5599% | 4,476 |
Total risk-based capital ratio | 13.6125% | 4,594 |
Memoranda: | ||
Average total assets | $86,774,600 | 5,495 |
Average earning assets | $80,378,600 | 5,444 |
Average equity | $8,398,200 | 5,806 |
Average total loans | $54,123,800 | 5,497 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4312% | 4,785 |
Cost of funding earning assets | 1.6070% | 5,368 |
Net interest margin | 3.8242% | 3,559 |
Noninterest income to average assets | 0.8643% | 2,128 |
Noninterest expense to average assets | 2.9237% | 4,347 |
Loan and lease loss provision to assets | 0.2907% | 4,649 |
Net operating income to assets | 1.0679% | 1,839 |
Return on assets (ROA) | 1.1166% | 1,749 |
Pretax return on assets | 1.2627% | 2,075 |
Return on Equity (ROE) | 11.5068% | 1,483 |
Retained earnings to average equity (ytd only) | 9.5255% | 723 |
Net charge-offs to loans | 0.1829% | 4,929 |
Credit loss provision to net charge-offs | 252.0000% | 1,702 |
Earnings coverage of net charge-offs (x) | 12.9863% | 1,711 |
Efficiency ratio | 65.9478% | 5,373 |
Assets per employee ($millions) | 3.5232% | 4,871 |
Cash dividends to net income (ytd only)* | 17.2173% | 3,325 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2975% | 4,521 |
Loan loss allowance to noncurrent loans | 35.0423% | 6,074 |
Noncurrent assets plus other real estate owned to assets | 2.2809% | 3,002 |
Noncurrent loans to loans | 3.7026% | 2,014 |
Net loans and leases to total assets | 60.8027% | 5,455 |
Net loans and leases to deposits | 81.3708% | 4,137 |
Net loans and leases to core deposits | 90.4951% | 5,388 |
Total domestic deposits to total assets | 74.7230% | 6,825 |
Equity capital to assets | 10.3769% | 3,646 |
Core capital (leverage) ratio | 9.2778% | 4,224 |
Tier 1 risk-based capital ratio | 13.2238% | 4,035 |
Total risk-based capital ratio | 14.3747% | 4,041 |
Memoranda: | ||
Average total assets | $86,691,250 | 5,528 |
Average earning assets | $80,643,000 | 5,475 |
Average equity | $8,412,250 | 5,848 |
Average total loans | $54,683,000 | 5,531 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3640% | 5,330 |
Cost of funding earning assets | 1.6664% | 5,441 |
Net interest margin | 3.6976% | 3,956 |
Noninterest income to average assets | 0.8535% | 2,166 |
Noninterest expense to average assets | 2.9016% | 4,494 |
Loan and lease loss provision to assets | 0.2018% | 5,034 |
Net operating income to assets | 1.0507% | 1,942 |
Return on assets (ROA) | 1.0507% | 2,016 |
Pretax return on assets | 1.1829% | 2,355 |
Return on Equity (ROE) | 11.0898% | 1,679 |
Retained earnings to average equity (ytd only) | 8.7641% | 994 |
Net charge-offs to loans | 0.2736% | 3,829 |
Credit loss provision to net charge-offs | 116.0000% | 3,992 |
Earnings coverage of net charge-offs (x) | 7.9600% | 2,349 |
Efficiency ratio | 67.5325% | 5,249 |
Assets per employee ($millions) | 3.8501% | 3,979 |
Cash dividends to net income (ytd only)* | 20.9713% | 3,133 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1518% | 5,259 |
Loan loss allowance to noncurrent loans | 29.7284% | 6,505 |
Noncurrent assets plus other real estate owned to assets | 2.3252% | 2,796 |
Noncurrent loans to loans | 3.8745% | 1,754 |
Net loans and leases to total assets | 58.3413% | 5,916 |
Net loans and leases to deposits | 73.2736% | 5,568 |
Net loans and leases to core deposits | 79.8279% | 6,422 |
Total domestic deposits to total assets | 79.6212% | 5,582 |
Equity capital to assets | 9.3978% | 4,753 |
Core capital (leverage) ratio | 9.0656% | 4,527 |
Tier 1 risk-based capital ratio | 13.1760% | 4,016 |
Total risk-based capital ratio | 14.1873% | 4,103 |
Memoranda: | ||
Average total assets | $86,228,330 | 5,577 |
Average earning assets | $80,052,670 | 5,527 |
Average equity | $8,169,670 | 5,964 |
Average total loans | $54,824,330 | 5,568 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3457% | 5,680 |
Cost of funding earning assets | 1.7396% | 5,422 |
Net interest margin | 3.6060% | 4,292 |
Noninterest income to average assets | 0.8558% | 2,054 |
Noninterest expense to average assets | 2.8213% | 4,474 |
Loan and lease loss provision to assets | 0.1223% | 5,400 |
Net operating income to assets | 1.0439% | 2,151 |
Return on assets (ROA) | 1.0439% | 2,282 |
Pretax return on assets | 1.2555% | 2,432 |
Return on Equity (ROE) | 10.9718% | 1,968 |
Retained earnings to average equity (ytd only) | 8.5006% | 1,632 |
Net charge-offs to loans | 0.0428% | 4,879 |
Credit loss provision to net charge-offs | 433.3333% | 1,213 |
Earnings coverage of net charge-offs (x) | 48.8333% | 743 |
Efficiency ratio | 66.9653% | 5,149 |
Assets per employee ($millions) | 3.7640% | 4,192 |
Cash dividends to net income (ytd only)* | 22.5225% | 2,504 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1315% | 5,254 |
Loan loss allowance to noncurrent loans | 30.0493% | 6,550 |
Noncurrent assets plus other real estate owned to assets | 2.3841% | 2,398 |
Noncurrent loans to loans | 3.7654% | 1,641 |
Net loans and leases to total assets | 61.5688% | 5,404 |
Net loans and leases to deposits | 77.4671% | 5,010 |
Net loans and leases to core deposits | 85.0559% | 5,975 |
Total domestic deposits to total assets | 79.4774% | 5,554 |
Equity capital to assets | 9.4983% | 4,665 |
Core capital (leverage) ratio | 8.9970% | 4,718 |
Tier 1 risk-based capital ratio | 12.7297% | 4,366 |
Total risk-based capital ratio | 13.7439% | 4,472 |
Memoranda: | ||
Average total assets | $85,066,000 | 5,645 |
Average earning assets | $78,867,500 | 5,592 |
Average equity | $8,093,500 | 6,021 |
Average total loans | $56,104,000 | 5,538 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2966% | 3,974 |
Cost of funding earning assets | 2.1251% | 5,951 |
Net interest margin | 4.1715% | 2,432 |
Noninterest income to average assets | 1.0092% | 1,550 |
Noninterest expense to average assets | 2.9777% | 4,162 |
Loan and lease loss provision to assets | 0.1699% | 5,206 |
Net operating income to assets | 1.3480% | 1,350 |
Return on assets (ROA) | 1.3489% | 1,306 |
Pretax return on assets | 1.7074% | 1,126 |
Return on Equity (ROE) | 13.9089% | 1,127 |
Retained earnings to average equity (ytd only) | 7.3279% | 1,043 |
Net charge-offs to loans | 0.0494% | 6,087 |
Credit loss provision to net charge-offs | 503.7037% | 863 |
Earnings coverage of net charge-offs (x) | 55.6296% | 709 |
Efficiency ratio | 61.1683% | 6,131 |
Assets per employee ($millions) | 3.4816% | 4,719 |
Cash dividends to net income (ytd only)* | 47.3148% | 3,274 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0121% | 5,914 |
Loan loss allowance to noncurrent loans | 31.2169% | 6,645 |
Noncurrent assets plus other real estate owned to assets | 2.2619% | 2,155 |
Noncurrent loans to loans | 3.2421% | 1,613 |
Net loans and leases to total assets | 69.0602% | 4,241 |
Net loans and leases to deposits | 88.5374% | 3,718 |
Net loans and leases to core deposits | 97.2267% | 5,124 |
Total domestic deposits to total assets | 78.0012% | 5,710 |
Equity capital to assets | 9.5310% | 4,639 |
Core capital (leverage) ratio | 9.2197% | 4,413 |
Tier 1 risk-based capital ratio | 12.1932% | 4,672 |
Total risk-based capital ratio | 13.1547% | 4,800 |
Memoranda: | ||
Average total assets | $80,062,800 | 5,707 |
Average earning assets | $73,785,800 | 5,671 |
Average equity | $7,764,800 | 6,183 |
Average total loans | $54,681,200 | 5,501 |