Home > Shelby Savings Bank, SSB > Performance and Condition Ratios
Shelby Savings Bank, SSB, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7742% | 861 |
Cost of funding earning assets | 1.0452% | 3,200 |
Net interest margin | 4.7290% | 461 |
Noninterest income to average assets | 0.7400% | 1,086 |
Noninterest expense to average assets | 3.4511% | 616 |
Loan and lease loss provision to assets | 0.0600% | 1,903 |
Net operating income to assets | 1.6029% | 861 |
Return on assets (ROA) | 1.6058% | 828 |
Pretax return on assets | 1.6058% | 1,218 |
Return on Equity (ROE) | 15.8400% | 1,128 |
Retained earnings to average equity (ytd only) | 6.1549% | 2,186 |
Net charge-offs to loans | 0.0535% | 1,331 |
Credit loss provision to net charge-offs | 139.4904% | 1,533 |
Earnings coverage of net charge-offs (x) | 43.0510% | 1,398 |
Efficiency ratio | 67.5267% | 2,167 |
Assets per employee ($millions) | 4.0290% | 4,158 |
Cash dividends to net income (ytd only)* | 61.1315% | 1,139 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1136% | 2,764 |
Loan loss allowance to noncurrent loans | 491.5773% | 1,456 |
Noncurrent assets plus other real estate owned to assets | 0.2118% | 2,167 |
Noncurrent loans to loans | 0.2265% | 2,413 |
Net loans and leases to total assets | 70.0500% | 1,805 |
Net loans and leases to deposits | 90.3038% | 1,237 |
Net loans and leases to core deposits | 95.8044% | 1,662 |
Total domestic deposits to total assets | 77.5700% | 3,778 |
Equity capital to assets | 10.6033% | 1,674 |
Core capital (leverage) ratio | 11.7255% | 1,547 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.9808% | 1,282 |
Memoranda: | ||
Average total assets | $407,261,800 | 1,992 |
Average earning assets | $376,189,000 | 1,988 |
Average equity | $41,300,600 | 1,836 |
Average total loans | $293,663,000 | 1,813 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6012% | 909 |
Cost of funding earning assets | 0.9353% | 3,191 |
Net interest margin | 4.6660% | 482 |
Noninterest income to average assets | 0.7400% | 1,065 |
Noninterest expense to average assets | 3.4358% | 599 |
Loan and lease loss provision to assets | 0.0600% | 1,749 |
Net operating income to assets | 1.5593% | 1,006 |
Return on assets (ROA) | 1.5593% | 1,003 |
Pretax return on assets | 1.5593% | 1,445 |
Return on Equity (ROE) | 15.5500% | 1,333 |
Retained earnings to average equity (ytd only) | 9.7323% | 1,479 |
Net charge-offs to loans | 0.1085% | 733 |
Credit loss provision to net charge-offs | 72.9167% | 1,790 |
Earnings coverage of net charge-offs (x) | 20.6250% | 1,801 |
Efficiency ratio | 67.9549% | 2,022 |
Assets per employee ($millions) | 3.9243% | 4,199 |
Cash dividends to net income (ytd only)* | 37.4265% | 1,755 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0621% | 3,058 |
Loan loss allowance to noncurrent loans | 442.3242% | 1,562 |
Noncurrent assets plus other real estate owned to assets | 0.2244% | 2,143 |
Noncurrent loans to loans | 0.2401% | 2,386 |
Net loans and leases to total assets | 71.0500% | 1,689 |
Net loans and leases to deposits | 92.9608% | 970 |
Net loans and leases to core deposits | 97.6638% | 1,465 |
Total domestic deposits to total assets | 76.4300% | 3,976 |
Equity capital to assets | 10.3055% | 1,644 |
Core capital (leverage) ratio | 11.8847% | 1,498 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.8995% | 1,349 |
Memoranda: | ||
Average total assets | $407,344,750 | 1,988 |
Average earning assets | $376,502,250 | 1,987 |
Average equity | $40,838,750 | 1,836 |
Average total loans | $295,015,750 | 1,815 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4535% | 893 |
Cost of funding earning assets | 0.7838% | 3,255 |
Net interest margin | 4.6697% | 483 |
Noninterest income to average assets | 0.7500% | 976 |
Noninterest expense to average assets | 3.3904% | 606 |
Loan and lease loss provision to assets | 0.2400% | 414 |
Net operating income to assets | 1.4413% | 1,234 |
Return on assets (ROA) | 1.4413% | 1,218 |
Pretax return on assets | 1.4413% | 1,716 |
Return on Equity (ROE) | 14.5100% | 1,573 |
Retained earnings to average equity (ytd only) | 8.6081% | 1,789 |
Net charge-offs to loans | 0.1113% | 634 |
Credit loss provision to net charge-offs | 284.2424% | 887 |
Earnings coverage of net charge-offs (x) | 20.7455% | 1,733 |
Efficiency ratio | 66.9147% | 2,113 |
Assets per employee ($millions) | 3.9458% | 4,201 |
Cash dividends to net income (ytd only)* | 40.6728% | 1,666 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1537% | 2,696 |
Loan loss allowance to noncurrent loans | 204.6236% | 2,569 |
Noncurrent assets plus other real estate owned to assets | 0.4403% | 1,208 |
Noncurrent loans to loans | 0.5638% | 1,327 |
Net loans and leases to total assets | 72.0800% | 1,523 |
Net loans and leases to deposits | 93.8866% | 878 |
Net loans and leases to core deposits | 97.8794% | 1,355 |
Total domestic deposits to total assets | 76.7700% | 3,977 |
Equity capital to assets | 10.1627% | 1,766 |
Core capital (leverage) ratio | 11.5103% | 1,614 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.2806% | 1,488 |
Memoranda: | ||
Average total assets | $408,392,333 | 1,986 |
Average earning assets | $377,669,000 | 1,988 |
Average equity | $40,566,667 | 1,857 |
Average total loans | $296,595,333 | 1,793 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3126% | 815 |
Cost of funding earning assets | 0.7094% | 3,026 |
Net interest margin | 4.6032% | 505 |
Noninterest income to average assets | 0.7800% | 892 |
Noninterest expense to average assets | 3.3716% | 630 |
Loan and lease loss provision to assets | -0.0100% | 4,432 |
Net operating income to assets | 1.6760% | 859 |
Return on assets (ROA) | 1.6760% | 857 |
Pretax return on assets | 1.6760% | 1,327 |
Return on Equity (ROE) | 17.0700% | 1,162 |
Retained earnings to average equity (ytd only) | 11.2306% | 1,421 |
Net charge-offs to loans | 0.1978% | 366 |
Credit loss provision to net charge-offs | -14.3836% | 4,566 |
Earnings coverage of net charge-offs (x) | 11.6370% | 1,630 |
Efficiency ratio | 66.9004% | 2,100 |
Assets per employee ($millions) | 3.8919% | 4,299 |
Cash dividends to net income (ytd only)* | 34.2121% | 1,614 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0115% | 3,470 |
Loan loss allowance to noncurrent loans | 522.0665% | 1,581 |
Noncurrent assets plus other real estate owned to assets | 0.1957% | 2,166 |
Noncurrent loans to loans | 0.1937% | 2,504 |
Net loans and leases to total assets | 72.0800% | 1,419 |
Net loans and leases to deposits | 89.6377% | 1,085 |
Net loans and leases to core deposits | 92.6128% | 1,473 |
Total domestic deposits to total assets | 80.4100% | 3,716 |
Equity capital to assets | 10.1713% | 1,734 |
Core capital (leverage) ratio | 11.4600% | 1,579 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0674% | 1,606 |
Memoranda: | ||
Average total assets | $407,406,500 | 2,018 |
Average earning assets | $377,216,500 | 2,010 |
Average equity | $39,998,000 | 1,899 |
Average total loans | $295,281,000 | 1,810 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7465% | 469 |
Cost of funding earning assets | 0.4638% | 1,627 |
Net interest margin | 4.2828% | 445 |
Noninterest income to average assets | 0.7900% | 1,028 |
Noninterest expense to average assets | 3.3674% | 566 |
Loan and lease loss provision to assets | 0.2100% | 483 |
Net operating income to assets | 1.1673% | 1,903 |
Return on assets (ROA) | 1.1773% | 1,804 |
Pretax return on assets | 1.1773% | 2,512 |
Return on Equity (ROE) | 11.8100% | 2,212 |
Retained earnings to average equity (ytd only) | 6.7515% | 2,342 |
Net charge-offs to loans | 0.0707% | 936 |
Credit loss provision to net charge-offs | 412.5000% | 763 |
Earnings coverage of net charge-offs (x) | 26.9400% | 1,744 |
Efficiency ratio | 70.9557% | 1,568 |
Assets per employee ($millions) | 4.0202% | 4,278 |
Cash dividends to net income (ytd only)* | 42.8509% | 1,748 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1479% | 2,655 |
Loan loss allowance to noncurrent loans | 443.9216% | 1,740 |
Noncurrent assets plus other real estate owned to assets | 0.2341% | 1,972 |
Noncurrent loans to loans | 0.2586% | 2,237 |
Net loans and leases to total assets | 71.3200% | 1,490 |
Net loans and leases to deposits | 90.8444% | 993 |
Net loans and leases to core deposits | 93.3924% | 1,324 |
Total domestic deposits to total assets | 78.5100% | 4,043 |
Equity capital to assets | 9.4687% | 2,036 |
Core capital (leverage) ratio | 11.1524% | 1,716 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.7734% | 1,700 |
Memoranda: | ||
Average total assets | $390,889,400 | 2,056 |
Average earning assets | $361,378,800 | 2,063 |
Average equity | $38,954,400 | 1,955 |
Average total loans | $282,705,000 | 1,800 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5518% | 464 |
Cost of funding earning assets | 0.4282% | 1,106 |
Net interest margin | 4.1236% | 491 |
Noninterest income to average assets | 0.7900% | 1,046 |
Noninterest expense to average assets | 3.3994% | 524 |
Loan and lease loss provision to assets | 0.2800% | 264 |
Net operating income to assets | 0.9172% | 2,810 |
Return on assets (ROA) | 0.9307% | 2,724 |
Pretax return on assets | 0.9307% | 3,236 |
Return on Equity (ROE) | 9.2200% | 2,965 |
Retained earnings to average equity (ytd only) | 4.3672% | 3,331 |
Net charge-offs to loans | 0.0673% | 821 |
Credit loss provision to net charge-offs | 585.1064% | 562 |
Earnings coverage of net charge-offs (x) | 24.6879% | 1,622 |
Efficiency ratio | 73.8762% | 1,289 |
Assets per employee ($millions) | 3.8218% | 4,390 |
Cash dividends to net income (ytd only)* | 52.6160% | 1,088 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1822% | 2,624 |
Loan loss allowance to noncurrent loans | 173.2698% | 2,865 |
Noncurrent assets plus other real estate owned to assets | 0.6661% | 789 |
Noncurrent loans to loans | 0.6823% | 1,196 |
Net loans and leases to total assets | 71.9700% | 1,303 |
Net loans and leases to deposits | 88.8686% | 973 |
Net loans and leases to core deposits | 91.1996% | 1,218 |
Total domestic deposits to total assets | 80.9800% | 3,984 |
Equity capital to assets | 9.1484% | 2,119 |
Core capital (leverage) ratio | 10.8461% | 1,850 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3391% | 1,925 |
Memoranda: | ||
Average total assets | $386,097,750 | 2,096 |
Average earning assets | $356,831,500 | 2,092 |
Average equity | $38,986,250 | 1,984 |
Average total loans | $279,419,750 | 1,812 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3447% | 489 |
Cost of funding earning assets | 0.3890% | 990 |
Net interest margin | 3.9557% | 549 |
Noninterest income to average assets | 0.7737% | 1,117 |
Noninterest expense to average assets | 3.4302% | 463 |
Loan and lease loss provision to assets | 0.3291% | 192 |
Net operating income to assets | 0.6761% | 3,390 |
Return on assets (ROA) | 0.6965% | 3,275 |
Pretax return on assets | 0.6965% | 3,584 |
Return on Equity (ROE) | 6.6777% | 3,403 |
Retained earnings to average equity (ytd only) | 2.1538% | 3,710 |
Net charge-offs to loans | 0.1112% | 543 |
Credit loss provision to net charge-offs | 409.8039% | 694 |
Earnings coverage of net charge-offs (x) | 12.5163% | 1,706 |
Efficiency ratio | 77.3373% | 1,142 |
Assets per employee ($millions) | 3.9568% | 4,386 |
Cash dividends to net income (ytd only)* | 67.7468% | 873 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1087% | 3,130 |
Loan loss allowance to noncurrent loans | 231.1966% | 2,487 |
Noncurrent assets plus other real estate owned to assets | 0.4802% | 1,184 |
Noncurrent loans to loans | 0.4795% | 1,678 |
Net loans and leases to total assets | 72.4514% | 1,058 |
Net loans and leases to deposits | 89.9880% | 721 |
Net loans and leases to core deposits | 93.1035% | 967 |
Total domestic deposits to total assets | 80.5123% | 4,179 |
Equity capital to assets | 9.4149% | 2,085 |
Core capital (leverage) ratio | 10.6781% | 1,810 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8971% | 2,102 |
Memoranda: | ||
Average total assets | $381,032,333 | 2,122 |
Average earning assets | $352,704,667 | 2,128 |
Average equity | $39,744,333 | 2,003 |
Average total loans | $275,141,667 | 1,827 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2765% | 458 |
Cost of funding earning assets | 0.3880% | 934 |
Net interest margin | 3.8885% | 517 |
Noninterest income to average assets | 0.7629% | 1,140 |
Noninterest expense to average assets | 3.5466% | 406 |
Loan and lease loss provision to assets | 0.3540% | 164 |
Net operating income to assets | 0.4638% | 3,801 |
Return on assets (ROA) | 0.5057% | 3,667 |
Pretax return on assets | 0.5057% | 3,864 |
Return on Equity (ROE) | 4.6074% | 3,729 |
Retained earnings to average equity (ytd only) | 0.1961% | 3,981 |
Net charge-offs to loans | 0.0315% | 987 |
Credit loss provision to net charge-offs | 1,566.6667% | 251 |
Earnings coverage of net charge-offs (x) | 36.1905% | 1,047 |
Efficiency ratio | 81.2623% | 1,047 |
Assets per employee ($millions) | 3.9215% | 4,432 |
Cash dividends to net income (ytd only)* | 95.7447% | 558 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1154% | 3,263 |
Loan loss allowance to noncurrent loans | 181.5448% | 2,734 |
Noncurrent assets plus other real estate owned to assets | 0.5019% | 1,193 |
Noncurrent loans to loans | 0.6144% | 1,522 |
Net loans and leases to total assets | 71.7583% | 856 |
Net loans and leases to deposits | 89.4496% | 541 |
Net loans and leases to core deposits | 92.6796% | 791 |
Total domestic deposits to total assets | 80.2220% | 4,271 |
Equity capital to assets | 10.3415% | 1,664 |
Core capital (leverage) ratio | 11.0126% | 1,510 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6165% | 1,947 |
Memoranda: | ||
Average total assets | $371,732,500 | 2,164 |
Average earning assets | $344,296,500 | 2,170 |
Average equity | $40,804,000 | 2,024 |
Average total loans | $266,320,000 | 1,850 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6622% | 451 |
Cost of funding earning assets | 0.4618% | 1,115 |
Net interest margin | 4.2004% | 491 |
Noninterest income to average assets | 0.8355% | 1,357 |
Noninterest expense to average assets | 3.2459% | 680 |
Loan and lease loss provision to assets | 0.1552% | 765 |
Net operating income to assets | 1.3320% | 1,510 |
Return on assets (ROA) | 1.3345% | 1,535 |
Pretax return on assets | 1.3345% | 2,255 |
Return on Equity (ROE) | 11.1233% | 2,123 |
Retained earnings to average equity (ytd only) | 2.9815% | 3,637 |
Net charge-offs to loans | 0.1346% | 688 |
Credit loss provision to net charge-offs | 161.6519% | 1,447 |
Earnings coverage of net charge-offs (x) | 15.4897% | 2,002 |
Efficiency ratio | 68.5795% | 1,908 |
Assets per employee ($millions) | 3.8219% | 4,488 |
Cash dividends to net income (ytd only)* | 73.1961% | 655 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0803% | 3,442 |
Loan loss allowance to noncurrent loans | 160.3239% | 2,885 |
Noncurrent assets plus other real estate owned to assets | 0.4762% | 1,392 |
Noncurrent loans to loans | 0.6738% | 1,485 |
Net loans and leases to total assets | 69.9105% | 1,054 |
Net loans and leases to deposits | 87.5230% | 676 |
Net loans and leases to core deposits | 90.5365% | 949 |
Total domestic deposits to total assets | 79.8767% | 4,232 |
Equity capital to assets | 11.6422% | 1,432 |
Core capital (leverage) ratio | 11.4444% | 1,317 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6758% | 1,620 |
Memoranda: | ||
Average total assets | $353,091,200 | 2,180 |
Average earning assets | $327,632,800 | 2,199 |
Average equity | $42,361,600 | 2,005 |
Average total loans | $251,894,600 | 1,918 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7611% | 435 |
Cost of funding earning assets | 0.4840% | 1,138 |
Net interest margin | 4.2771% | 474 |
Noninterest income to average assets | 0.8066% | 1,504 |
Noninterest expense to average assets | 3.2029% | 706 |
Loan and lease loss provision to assets | 0.1378% | 829 |
Net operating income to assets | 1.4318% | 1,442 |
Return on assets (ROA) | 1.4318% | 1,509 |
Pretax return on assets | 1.4318% | 2,208 |
Return on Equity (ROE) | 11.8437% | 2,099 |
Retained earnings to average equity (ytd only) | 7.3925% | 2,272 |
Net charge-offs to loans | 0.1590% | 528 |
Credit loss provision to net charge-offs | 121.0702% | 1,463 |
Earnings coverage of net charge-offs (x) | 13.8027% | 1,911 |
Efficiency ratio | 67.1129% | 1,954 |
Assets per employee ($millions) | 3.9238% | 4,490 |
Cash dividends to net income (ytd only)* | 37.5830% | 1,727 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0476% | 3,677 |
Loan loss allowance to noncurrent loans | 171.1213% | 2,743 |
Noncurrent assets plus other real estate owned to assets | 0.4159% | 1,800 |
Noncurrent loans to loans | 0.6122% | 1,779 |
Net loans and leases to total assets | 67.2245% | 1,408 |
Net loans and leases to deposits | 84.4378% | 933 |
Net loans and leases to core deposits | 87.6671% | 1,174 |
Total domestic deposits to total assets | 79.6143% | 4,281 |
Equity capital to assets | 11.8299% | 1,477 |
Core capital (leverage) ratio | 11.8614% | 1,217 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.5444% | 1,466 |
Memoranda: | ||
Average total assets | $350,594,750 | 2,217 |
Average earning assets | $325,073,000 | 2,230 |
Average equity | $42,384,500 | 2,027 |
Average total loans | $250,718,000 | 1,953 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6892% | 539 |
Cost of funding earning assets | 0.5043% | 1,168 |
Net interest margin | 4.1849% | 596 |
Noninterest income to average assets | 0.7976% | 1,539 |
Noninterest expense to average assets | 3.2010% | 717 |
Loan and lease loss provision to assets | 0.0848% | 1,445 |
Net operating income to assets | 1.3997% | 1,569 |
Return on assets (ROA) | 1.3997% | 1,636 |
Pretax return on assets | 1.3997% | 2,343 |
Return on Equity (ROE) | 11.4896% | 2,242 |
Retained earnings to average equity (ytd only) | 6.9576% | 2,447 |
Net charge-offs to loans | 0.2297% | 377 |
Credit loss provision to net charge-offs | 50.6944% | 1,601 |
Earnings coverage of net charge-offs (x) | 8.8785% | 1,860 |
Efficiency ratio | 68.3187% | 1,839 |
Assets per employee ($millions) | 3.7613% | 4,575 |
Cash dividends to net income (ytd only)* | 39.4442% | 1,642 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9509% | 3,994 |
Loan loss allowance to noncurrent loans | 194.3018% | 2,503 |
Noncurrent assets plus other real estate owned to assets | 0.3562% | 2,172 |
Noncurrent loans to loans | 0.4894% | 2,214 |
Net loans and leases to total assets | 72.0924% | 956 |
Net loans and leases to deposits | 89.4900% | 677 |
Net loans and leases to core deposits | 92.8782% | 956 |
Total domestic deposits to total assets | 80.5592% | 4,147 |
Equity capital to assets | 12.2218% | 1,261 |
Core capital (leverage) ratio | 12.1959% | 1,018 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.2273% | 1,554 |
Memoranda: | ||
Average total assets | $344,514,000 | 2,231 |
Average earning assets | $320,053,333 | 2,241 |
Average equity | $41,968,333 | 2,036 |
Average total loans | $250,766,000 | 1,957 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6406% | 613 |
Cost of funding earning assets | 0.5445% | 1,140 |
Net interest margin | 4.0960% | 723 |
Noninterest income to average assets | 0.7090% | 1,849 |
Noninterest expense to average assets | 3.1568% | 767 |
Loan and lease loss provision to assets | 0.0515% | 2,073 |
Net operating income to assets | 1.3116% | 1,789 |
Return on assets (ROA) | 1.3116% | 1,871 |
Pretax return on assets | 1.3116% | 2,535 |
Return on Equity (ROE) | 10.7849% | 2,427 |
Retained earnings to average equity (ytd only) | 6.3594% | 2,775 |
Net charge-offs to loans | 0.0273% | 1,221 |
Credit loss provision to net charge-offs | 258.8235% | 805 |
Earnings coverage of net charge-offs (x) | 68.5294% | 764 |
Efficiency ratio | 69.8421% | 1,725 |
Assets per employee ($millions) | 3.7143% | 4,617 |
Cash dividends to net income (ytd only)* | 41.0348% | 1,360 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0379% | 3,698 |
Loan loss allowance to noncurrent loans | 380.3231% | 1,453 |
Noncurrent assets plus other real estate owned to assets | 0.1971% | 3,180 |
Noncurrent loans to loans | 0.2729% | 3,126 |
Net loans and leases to total assets | 71.4929% | 1,094 |
Net loans and leases to deposits | 87.1565% | 879 |
Net loans and leases to core deposits | 90.9998% | 1,170 |
Total domestic deposits to total assets | 82.0282% | 3,889 |
Equity capital to assets | 12.0444% | 1,260 |
Core capital (leverage) ratio | 12.0498% | 1,150 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.3719% | 1,452 |
Memoranda: | ||
Average total assets | $341,870,500 | 2,228 |
Average earning assets | $318,063,500 | 2,227 |
Average equity | $41,576,500 | 2,034 |
Average total loans | $248,848,500 | 1,971 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8601% | 656 |
Cost of funding earning assets | 0.7671% | 1,360 |
Net interest margin | 4.0930% | 797 |
Noninterest income to average assets | 0.7880% | 1,567 |
Noninterest expense to average assets | 3.2620% | 951 |
Loan and lease loss provision to assets | 0.0293% | 4,032 |
Net operating income to assets | 1.3038% | 1,239 |
Return on assets (ROA) | 1.3331% | 1,261 |
Pretax return on assets | 1.3331% | 1,872 |
Return on Equity (ROE) | 10.7226% | 1,734 |
Retained earnings to average equity (ytd only) | 5.3735% | 2,108 |
Net charge-offs to loans | 0.0250% | 2,543 |
Credit loss provision to net charge-offs | 162.7119% | 2,359 |
Earnings coverage of net charge-offs (x) | 74.0678% | 939 |
Efficiency ratio | 70.9885% | 1,812 |
Assets per employee ($millions) | 3.7590% | 4,528 |
Cash dividends to net income (ytd only)* | 49.8856% | 1,847 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0324% | 3,748 |
Loan loss allowance to noncurrent loans | 228.5459% | 2,123 |
Noncurrent assets plus other real estate owned to assets | 0.3314% | 2,664 |
Noncurrent loans to loans | 0.4517% | 2,617 |
Net loans and leases to total assets | 72.5921% | 1,212 |
Net loans and leases to deposits | 89.1216% | 994 |
Net loans and leases to core deposits | 93.2808% | 1,287 |
Total domestic deposits to total assets | 81.4529% | 3,769 |
Equity capital to assets | 12.2810% | 1,432 |
Core capital (leverage) ratio | 11.9310% | 1,266 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.0278% | 1,517 |
Memoranda: | ||
Average total assets | $327,803,600 | 2,147 |
Average earning assets | $304,911,000 | 2,146 |
Average equity | $40,755,200 | 1,998 |
Average total loans | $236,296,200 | 1,992 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8621% | 791 |
Cost of funding earning assets | 0.8116% | 1,437 |
Net interest margin | 4.0505% | 1,007 |
Noninterest income to average assets | 0.7893% | 1,535 |
Noninterest expense to average assets | 3.2281% | 1,026 |
Loan and lease loss provision to assets | 0.0394% | 3,855 |
Net operating income to assets | 1.2871% | 1,385 |
Return on assets (ROA) | 1.3264% | 1,379 |
Pretax return on assets | 1.3264% | 1,950 |
Return on Equity (ROE) | 10.6350% | 1,806 |
Retained earnings to average equity (ytd only) | 10.6350% | 646 |
Net charge-offs to loans | 0.0189% | 2,481 |
Credit loss provision to net charge-offs | 290.9091% | 1,797 |
Earnings coverage of net charge-offs (x) | 98.0303% | 800 |
Efficiency ratio | 70.8768% | 1,765 |
Assets per employee ($millions) | 3.7651% | 4,504 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0942% | 3,239 |
Loan loss allowance to noncurrent loans | 413.4185% | 1,233 |
Noncurrent assets plus other real estate owned to assets | 0.1847% | 3,506 |
Noncurrent loans to loans | 0.2647% | 3,343 |
Net loans and leases to total assets | 69.0379% | 2,104 |
Net loans and leases to deposits | 86.2566% | 1,667 |
Net loans and leases to core deposits | 90.9554% | 1,889 |
Total domestic deposits to total assets | 80.0378% | 3,856 |
Equity capital to assets | 12.5779% | 1,386 |
Core capital (leverage) ratio | 12.3300% | 1,188 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.9805% | 1,252 |
Memoranda: | ||
Average total assets | $325,176,750 | 2,143 |
Average earning assets | $302,278,500 | 2,138 |
Average equity | $40,557,000 | 1,988 |
Average total loans | $233,333,000 | 2,010 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9746% | 870 |
Cost of funding earning assets | 0.8574% | 1,563 |
Net interest margin | 4.1171% | 1,079 |
Noninterest income to average assets | 0.7629% | 1,541 |
Noninterest expense to average assets | 3.2812% | 1,026 |
Loan and lease loss provision to assets | 0.0599% | 3,555 |
Net operating income to assets | 1.2439% | 1,510 |
Return on assets (ROA) | 1.2439% | 1,628 |
Pretax return on assets | 1.2439% | 2,204 |
Return on Equity (ROE) | 10.0028% | 1,982 |
Retained earnings to average equity (ytd only) | 10.0028% | 787 |
Net charge-offs to loans | 0.0267% | 2,189 |
Credit loss provision to net charge-offs | 309.6774% | 1,595 |
Earnings coverage of net charge-offs (x) | 67.4194% | 899 |
Efficiency ratio | 71.5646% | 1,751 |
Assets per employee ($millions) | 4.0573% | 4,250 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0821% | 3,160 |
Loan loss allowance to noncurrent loans | 147.4104% | 2,624 |
Noncurrent assets plus other real estate owned to assets | 0.5217% | 2,266 |
Noncurrent loans to loans | 0.7340% | 2,041 |
Net loans and leases to total assets | 70.3073% | 1,986 |
Net loans and leases to deposits | 87.7894% | 1,580 |
Net loans and leases to core deposits | 92.1437% | 1,892 |
Total domestic deposits to total assets | 80.0864% | 3,818 |
Equity capital to assets | 12.3013% | 1,477 |
Core capital (leverage) ratio | 12.0155% | 1,368 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.6036% | 1,340 |
Memoranda: | ||
Average total assets | $320,617,000 | 2,145 |
Average earning assets | $297,633,333 | 2,137 |
Average equity | $39,869,000 | 2,007 |
Average total loans | $232,268,333 | 1,999 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1763% | 689 |
Cost of funding earning assets | 0.8818% | 1,960 |
Net interest margin | 4.2944% | 766 |
Noninterest income to average assets | 0.7768% | 1,375 |
Noninterest expense to average assets | 3.3723% | 1,110 |
Loan and lease loss provision to assets | 0.1229% | 2,157 |
Net operating income to assets | 1.2581% | 1,360 |
Return on assets (ROA) | 1.2581% | 1,461 |
Pretax return on assets | 1.2581% | 2,006 |
Return on Equity (ROE) | 10.0587% | 1,729 |
Retained earnings to average equity (ytd only) | 10.0587% | 737 |
Net charge-offs to loans | 0.0245% | 1,876 |
Credit loss provision to net charge-offs | 685.7143% | 735 |
Earnings coverage of net charge-offs (x) | 77.0714% | 686 |
Efficiency ratio | 70.9478% | 2,227 |
Assets per employee ($millions) | 3.7902% | 4,182 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1084% | 3,156 |
Loan loss allowance to noncurrent loans | 102.9214% | 3,199 |
Noncurrent assets plus other real estate owned to assets | 0.7862% | 1,724 |
Noncurrent loans to loans | 1.0769% | 1,543 |
Net loans and leases to total assets | 72.1977% | 1,891 |
Net loans and leases to deposits | 91.4138% | 1,351 |
Net loans and leases to core deposits | 95.7449% | 1,817 |
Total domestic deposits to total assets | 78.9790% | 4,058 |
Equity capital to assets | 12.2655% | 1,871 |
Core capital (leverage) ratio | 12.6965% | 1,343 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.4865% | 1,475 |
Memoranda: | ||
Average total assets | $312,545,500 | 2,142 |
Average earning assets | $289,397,000 | 2,142 |
Average equity | $39,090,500 | 2,020 |
Average total loans | $228,724,000 | 1,995 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2767% | 856 |
Cost of funding earning assets | 0.9624% | 1,894 |
Net interest margin | 4.3142% | 1,066 |
Noninterest income to average assets | 0.7873% | 1,485 |
Noninterest expense to average assets | 3.3855% | 1,139 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.3871% | 1,385 |
Return on assets (ROA) | 1.4165% | 1,362 |
Pretax return on assets | 1.4165% | 2,095 |
Return on Equity (ROE) | 10.8774% | 1,938 |
Retained earnings to average equity (ytd only) | -2.5597% | 4,896 |
Net charge-offs to loans | 0.0964% | 1,759 |
Credit loss provision to net charge-offs | 0.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | 19.5607% | 1,991 |
Efficiency ratio | 70.9366% | 2,032 |
Assets per employee ($millions) | 3.5638% | 4,417 |
Cash dividends to net income (ytd only)* | 123.5322% | 165 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1361% | 2,762 |
Loan loss allowance to noncurrent loans | 279.9335% | 1,613 |
Noncurrent assets plus other real estate owned to assets | 0.2978% | 3,247 |
Noncurrent loans to loans | 0.4059% | 2,984 |
Net loans and leases to total assets | 72.5327% | 2,005 |
Net loans and leases to deposits | 89.5424% | 1,643 |
Net loans and leases to core deposits | 93.9589% | 2,064 |
Total domestic deposits to total assets | 81.0037% | 3,770 |
Equity capital to assets | 12.7641% | 1,669 |
Core capital (leverage) ratio | 12.6054% | 1,427 |
Tier 1 risk-based capital ratio | 15.8579% | 2,454 |
Total risk-based capital ratio | 16.9059% | 2,461 |
Memoranda: | ||
Average total assets | $301,790,200 | 2,158 |
Average earning assets | $278,774,000 | 2,153 |
Average equity | $39,301,800 | 1,971 |
Average total loans | $221,954,800 | 2,018 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2961% | 869 |
Cost of funding earning assets | 0.9804% | 1,844 |
Net interest margin | 4.3158% | 1,132 |
Noninterest income to average assets | 0.7739% | 1,509 |
Noninterest expense to average assets | 3.2892% | 1,296 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.4677% | 1,280 |
Return on assets (ROA) | 1.5031% | 1,234 |
Pretax return on assets | 1.5031% | 1,944 |
Return on Equity (ROE) | 11.4846% | 1,809 |
Retained earnings to average equity (ytd only) | -6.3555% | 5,095 |
Net charge-offs to loans | 0.0955% | 1,517 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | 20.8747% | 1,937 |
Efficiency ratio | 69.1457% | 2,235 |
Assets per employee ($millions) | 3.5545% | 4,446 |
Cash dividends to net income (ytd only)* | 155.3396% | 105 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1753% | 2,638 |
Loan loss allowance to noncurrent loans | 230.4464% | 1,877 |
Noncurrent assets plus other real estate owned to assets | 0.3707% | 3,021 |
Noncurrent loans to loans | 0.5100% | 2,763 |
Net loans and leases to total assets | 71.8315% | 2,201 |
Net loans and leases to deposits | 88.7491% | 1,836 |
Net loans and leases to core deposits | 93.0580% | 2,261 |
Total domestic deposits to total assets | 80.9377% | 3,779 |
Equity capital to assets | 12.5345% | 1,891 |
Core capital (leverage) ratio | 12.2928% | 1,685 |
Tier 1 risk-based capital ratio | 15.5156% | 2,638 |
Total risk-based capital ratio | 16.5883% | 2,629 |
Memoranda: | ||
Average total assets | $301,506,000 | 2,174 |
Average earning assets | $278,258,750 | 2,174 |
Average equity | $39,460,750 | 1,967 |
Average total loans | $221,882,000 | 2,027 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2063% | 972 |
Cost of funding earning assets | 0.9828% | 1,779 |
Net interest margin | 4.2235% | 1,307 |
Noninterest income to average assets | 0.7501% | 1,524 |
Noninterest expense to average assets | 3.2792% | 1,322 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.3761% | 1,496 |
Return on assets (ROA) | 1.4292% | 1,394 |
Pretax return on assets | 1.4292% | 2,103 |
Return on Equity (ROE) | 10.7675% | 2,068 |
Retained earnings to average equity (ytd only) | 6.4965% | 2,053 |
Net charge-offs to loans | 0.1401% | 1,090 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | 13.2885% | 2,108 |
Efficiency ratio | 70.4406% | 2,160 |
Assets per employee ($millions) | 3.7668% | 4,163 |
Cash dividends to net income (ytd only)* | 39.6656% | 2,222 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1544% | 2,768 |
Loan loss allowance to noncurrent loans | 336.3281% | 1,411 |
Noncurrent assets plus other real estate owned to assets | 0.3664% | 3,063 |
Noncurrent loans to loans | 0.3433% | 3,318 |
Net loans and leases to total assets | 72.4858% | 2,150 |
Net loans and leases to deposits | 90.7438% | 1,663 |
Net loans and leases to core deposits | 95.3095% | 2,129 |
Total domestic deposits to total assets | 79.8796% | 4,064 |
Equity capital to assets | 13.4290% | 1,360 |
Core capital (leverage) ratio | 13.4154% | 1,148 |
Tier 1 risk-based capital ratio | 16.7580% | 2,157 |
Total risk-based capital ratio | 17.8265% | 2,161 |
Memoranda: | ||
Average total assets | $301,296,330 | 2,178 |
Average earning assets | $278,586,330 | 2,174 |
Average equity | $39,990,670 | 1,931 |
Average total loans | $222,639,670 | 2,033 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2053% | 904 |
Cost of funding earning assets | 0.9787% | 1,657 |
Net interest margin | 4.2266% | 1,247 |
Noninterest income to average assets | 0.7308% | 1,499 |
Noninterest expense to average assets | 3.1758% | 1,557 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.4670% | 1,190 |
Return on assets (ROA) | 1.4670% | 1,219 |
Pretax return on assets | 1.4670% | 1,873 |
Return on Equity (ROE) | 11.1191% | 1,904 |
Retained earnings to average equity (ytd only) | 6.9976% | 2,044 |
Net charge-offs to loans | -0.0684% | 4,921 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.4029% | 2,584 |
Assets per employee ($millions) | 3.6473% | 4,408 |
Cash dividends to net income (ytd only)* | 37.0674% | 2,009 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2244% | 2,452 |
Loan loss allowance to noncurrent loans | 267.7419% | 1,729 |
Noncurrent assets plus other real estate owned to assets | 0.3379% | 3,250 |
Noncurrent loans to loans | 0.4573% | 2,944 |
Net loans and leases to total assets | 72.9896% | 1,984 |
Net loans and leases to deposits | 91.4773% | 1,459 |
Net loans and leases to core deposits | 95.8590% | 1,938 |
Total domestic deposits to total assets | 79.7898% | 4,204 |
Equity capital to assets | 13.2183% | 1,340 |
Core capital (leverage) ratio | 13.4254% | 1,111 |
Tier 1 risk-based capital ratio | 16.4699% | 2,279 |
Total risk-based capital ratio | 17.5927% | 2,266 |
Memoranda: | ||
Average total assets | $299,390,500 | 2,198 |
Average earning assets | $277,103,000 | 2,196 |
Average equity | $39,499,500 | 1,944 |
Average total loans | $222,088,000 | 2,054 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9772% | 1,102 |
Cost of funding earning assets | 0.7837% | 1,617 |
Net interest margin | 4.1935% | 1,408 |
Noninterest income to average assets | 0.6904% | 1,885 |
Noninterest expense to average assets | 3.2848% | 1,360 |
Loan and lease loss provision to assets | 0.0973% | 2,223 |
Net operating income to assets | 1.2076% | 2,133 |
Return on assets (ROA) | 1.2076% | 2,128 |
Pretax return on assets | 1.2076% | 2,852 |
Return on Equity (ROE) | 9.5583% | 2,720 |
Retained earnings to average equity (ytd only) | 8.7321% | 963 |
Net charge-offs to loans | 0.0159% | 3,156 |
Credit loss provision to net charge-offs | 820.0000% | 440 |
Earnings coverage of net charge-offs (x) | 110.0000% | 693 |
Efficiency ratio | 71.5699% | 1,960 |
Assets per employee ($millions) | 3.4030% | 4,656 |
Cash dividends to net income (ytd only)* | 8.6444% | 3,865 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2423% | 2,342 |
Loan loss allowance to noncurrent loans | 477.1777% | 1,137 |
Noncurrent assets plus other real estate owned to assets | 0.2118% | 3,762 |
Noncurrent loans to loans | 0.2603% | 3,645 |
Net loans and leases to total assets | 73.5470% | 2,002 |
Net loans and leases to deposits | 92.4767% | 1,480 |
Net loans and leases to core deposits | 97.1646% | 1,955 |
Total domestic deposits to total assets | 79.5303% | 4,209 |
Equity capital to assets | 13.1677% | 1,271 |
Core capital (leverage) ratio | 13.2410% | 1,164 |
Tier 1 risk-based capital ratio | 16.5717% | 2,216 |
Total risk-based capital ratio | 17.7213% | 2,186 |
Memoranda: | ||
Average total assets | $295,057,400 | 2,186 |
Average earning assets | $274,353,200 | 2,167 |
Average equity | $37,276,400 | 1,970 |
Average total loans | $220,706,000 | 2,017 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8866% | 1,195 |
Cost of funding earning assets | 0.7307% | 1,680 |
Net interest margin | 4.1559% | 1,480 |
Noninterest income to average assets | 0.6635% | 2,012 |
Noninterest expense to average assets | 3.2789% | 1,347 |
Loan and lease loss provision to assets | 0.1230% | 1,638 |
Net operating income to assets | 1.1252% | 2,554 |
Return on assets (ROA) | 1.1252% | 2,564 |
Pretax return on assets | 1.1252% | 3,293 |
Return on Equity (ROE) | 9.0022% | 3,088 |
Retained earnings to average equity (ytd only) | 9.0022% | 1,216 |
Net charge-offs to loans | 0.0109% | 3,032 |
Credit loss provision to net charge-offs | 1,511.1111% | 266 |
Earnings coverage of net charge-offs (x) | 153.3296% | 538 |
Efficiency ratio | 72.4276% | 1,822 |
Assets per employee ($millions) | 3.5274% | 4,522 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1932% | 2,661 |
Loan loss allowance to noncurrent loans | 473.7847% | 1,145 |
Noncurrent assets plus other real estate owned to assets | 0.2073% | 3,908 |
Noncurrent loans to loans | 0.2518% | 3,786 |
Net loans and leases to total assets | 74.4964% | 1,901 |
Net loans and leases to deposits | 95.0109% | 1,271 |
Net loans and leases to core deposits | 99.8105% | 1,809 |
Total domestic deposits to total assets | 78.4083% | 4,417 |
Equity capital to assets | 12.5107% | 1,579 |
Core capital (leverage) ratio | 12.9481% | 1,307 |
Tier 1 risk-based capital ratio | 15.7864% | 2,533 |
Total risk-based capital ratio | 16.8991% | 2,524 |
Memoranda: | ||
Average total assets | $294,807,500 | 2,199 |
Average earning assets | $274,076,250 | 2,179 |
Average equity | $36,849,500 | 1,990 |
Average total loans | $220,762,500 | 2,023 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8182% | 1,201 |
Cost of funding earning assets | 0.6824% | 1,723 |
Net interest margin | 4.1358% | 1,458 |
Noninterest income to average assets | 0.6439% | 2,121 |
Noninterest expense to average assets | 3.3525% | 1,213 |
Loan and lease loss provision to assets | 0.0671% | 2,548 |
Net operating income to assets | 1.0686% | 2,719 |
Return on assets (ROA) | 1.0686% | 2,721 |
Pretax return on assets | 1.0686% | 3,438 |
Return on Equity (ROE) | 8.5522% | 3,231 |
Retained earnings to average equity (ytd only) | 8.5522% | 1,377 |
Net charge-offs to loans | 0.0156% | 2,618 |
Credit loss provision to net charge-offs | 576.4706% | 646 |
Earnings coverage of net charge-offs (x) | 97.5294% | 705 |
Efficiency ratio | 74.6947% | 1,609 |
Assets per employee ($millions) | 3.5011% | 4,594 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1453% | 3,007 |
Loan loss allowance to noncurrent loans | 427.2879% | 1,255 |
Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,903 |
Noncurrent loans to loans | 0.2680% | 3,751 |
Net loans and leases to total assets | 74.4843% | 1,869 |
Net loans and leases to deposits | 93.3246% | 1,434 |
Net loans and leases to core deposits | 98.5778% | 1,851 |
Total domestic deposits to total assets | 79.8120% | 4,274 |
Equity capital to assets | 12.4690% | 1,552 |
Core capital (leverage) ratio | 12.8834% | 1,282 |
Tier 1 risk-based capital ratio | 15.7300% | 2,544 |
Total risk-based capital ratio | 16.7990% | 2,555 |
Memoranda: | ||
Average total assets | $291,957,670 | 2,218 |
Average earning assets | $271,387,670 | 2,201 |
Average equity | $36,482,000 | 2,014 |
Average total loans | $218,110,330 | 2,052 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7356% | 1,221 |
Cost of funding earning assets | 0.6612% | 1,651 |
Net interest margin | 4.0744% | 1,504 |
Noninterest income to average assets | 0.6212% | 2,165 |
Noninterest expense to average assets | 3.3105% | 1,328 |
Loan and lease loss provision to assets | 0.0083% | 3,409 |
Net operating income to assets | 1.0874% | 2,484 |
Return on assets (ROA) | 1.0874% | 2,500 |
Pretax return on assets | 1.0874% | 3,217 |
Return on Equity (ROE) | 8.6924% | 3,068 |
Retained earnings to average equity (ytd only) | 8.6924% | 1,581 |
Net charge-offs to loans | -0.0205% | 4,572 |
Credit loss provision to net charge-offs | -54.5455% | 3,630 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.1334% | 1,726 |
Assets per employee ($millions) | 3.2729% | 4,929 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1551% | 3,069 |
Loan loss allowance to noncurrent loans | 352.6761% | 1,461 |
Noncurrent assets plus other real estate owned to assets | 0.2527% | 3,858 |
Noncurrent loans to loans | 0.3275% | 3,594 |
Net loans and leases to total assets | 73.5628% | 1,932 |
Net loans and leases to deposits | 91.8489% | 1,470 |
Net loans and leases to core deposits | 96.9759% | 1,907 |
Total domestic deposits to total assets | 80.0910% | 4,400 |
Equity capital to assets | 12.4791% | 1,495 |
Core capital (leverage) ratio | 12.9811% | 1,185 |
Tier 1 risk-based capital ratio | 16.0763% | 2,433 |
Total risk-based capital ratio | 17.1638% | 2,451 |
Memoranda: | ||
Average total assets | $289,140,000 | 2,253 |
Average earning assets | $268,602,000 | 2,240 |
Average equity | $36,169,500 | 2,031 |
Average total loans | $215,051,500 | 2,082 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6691% | 1,262 |
Cost of funding earning assets | 0.6844% | 1,113 |
Net interest margin | 3.9847% | 1,795 |
Noninterest income to average assets | 0.6477% | 2,209 |
Noninterest expense to average assets | 2.9210% | 2,386 |
Loan and lease loss provision to assets | 0.1146% | 1,984 |
Net operating income to assets | 1.3295% | 1,165 |
Return on assets (ROA) | 1.3281% | 1,184 |
Pretax return on assets | 1.3281% | 2,257 |
Return on Equity (ROE) | 11.1854% | 1,409 |
Retained earnings to average equity (ytd only) | 5.8078% | 1,652 |
Net charge-offs to loans | 0.4670% | 510 |
Credit loss provision to net charge-offs | 32.7853% | 3,512 |
Earnings coverage of net charge-offs (x) | 4.1296% | 3,513 |
Efficiency ratio | 66.9172% | 3,094 |
Assets per employee ($millions) | 3.3764% | 4,852 |
Cash dividends to net income (ytd only)* | 48.0774% | 2,409 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1607% | 3,003 |
Loan loss allowance to noncurrent loans | 316.2197% | 1,599 |
Noncurrent assets plus other real estate owned to assets | 0.2728% | 3,796 |
Noncurrent loans to loans | 0.3671% | 3,445 |
Net loans and leases to total assets | 73.4667% | 2,009 |
Net loans and leases to deposits | 92.1904% | 1,495 |
Net loans and leases to core deposits | 98.6248% | 1,817 |
Total domestic deposits to total assets | 79.6902% | 4,398 |
Equity capital to assets | 12.5400% | 1,493 |
Core capital (leverage) ratio | 12.6944% | 1,267 |
Tier 1 risk-based capital ratio | 15.9284% | 2,458 |
Total risk-based capital ratio | 17.0170% | 2,465 |
Memoranda: | ||
Average total assets | $295,683,200 | 2,192 |
Average earning assets | $275,855,600 | 2,179 |
Average equity | $35,108,200 | 2,075 |
Average total loans | $221,392,000 | 1,990 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5855% | 1,408 |
Cost of funding earning assets | 0.6944% | 989 |
Net interest margin | 3.8910% | 2,072 |
Noninterest income to average assets | 0.6392% | 2,256 |
Noninterest expense to average assets | 2.8546% | 2,553 |
Loan and lease loss provision to assets | 0.1517% | 1,369 |
Net operating income to assets | 1.2672% | 1,446 |
Return on assets (ROA) | 1.2655% | 1,481 |
Pretax return on assets | 1.2655% | 2,647 |
Return on Equity (ROE) | 10.8038% | 1,776 |
Retained earnings to average equity (ytd only) | 7.0242% | 1,679 |
Net charge-offs to loans | 0.6105% | 321 |
Credit loss provision to net charge-offs | 33.1378% | 3,060 |
Earnings coverage of net charge-offs (x) | 3.0987% | 3,378 |
Efficiency ratio | 66.7959% | 3,082 |
Assets per employee ($millions) | 3.5516% | 4,650 |
Cash dividends to net income (ytd only)* | 34.9840% | 2,518 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1339% | 3,285 |
Loan loss allowance to noncurrent loans | 392.2956% | 1,290 |
Noncurrent assets plus other real estate owned to assets | 0.2211% | 4,181 |
Noncurrent loans to loans | 0.2890% | 3,903 |
Net loans and leases to total assets | 75.6220% | 1,655 |
Net loans and leases to deposits | 95.2232% | 1,179 |
Net loans and leases to core deposits | 102.6984% | 1,489 |
Total domestic deposits to total assets | 79.4155% | 4,455 |
Equity capital to assets | 12.5182% | 1,651 |
Core capital (leverage) ratio | 12.2835% | 1,523 |
Tier 1 risk-based capital ratio | 15.7221% | 2,615 |
Total risk-based capital ratio | 16.8108% | 2,629 |
Memoranda: | ||
Average total assets | $297,855,500 | 2,195 |
Average earning assets | $278,205,750 | 2,180 |
Average equity | $34,888,000 | 2,089 |
Average total loans | $223,409,750 | 1,983 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5036% | 1,506 |
Cost of funding earning assets | 0.6872% | 954 |
Net interest margin | 3.8164% | 2,230 |
Noninterest income to average assets | 0.6400% | 2,254 |
Noninterest expense to average assets | 2.8077% | 2,731 |
Loan and lease loss provision to assets | 0.2251% | 774 |
Net operating income to assets | 1.1764% | 1,681 |
Return on assets (ROA) | 1.1751% | 1,724 |
Pretax return on assets | 1.1751% | 2,874 |
Return on Equity (ROE) | 10.2569% | 1,932 |
Retained earnings to average equity (ytd only) | 6.5134% | 1,837 |
Net charge-offs to loans | 0.2423% | 841 |
Credit loss provision to net charge-offs | 124.6324% | 1,740 |
Earnings coverage of net charge-offs (x) | 7.7610% | 2,575 |
Efficiency ratio | 66.7035% | 3,226 |
Assets per employee ($millions) | 3.6360% | 4,526 |
Cash dividends to net income (ytd only)* | 36.4972% | 2,497 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1489% | 3,322 |
Loan loss allowance to noncurrent loans | 207.6237% | 2,169 |
Noncurrent assets plus other real estate owned to assets | 0.4344% | 3,375 |
Noncurrent loans to loans | 0.5533% | 3,079 |
Net loans and leases to total assets | 72.9881% | 2,044 |
Net loans and leases to deposits | 91.8488% | 1,517 |
Net loans and leases to core deposits | 99.1470% | 1,714 |
Total domestic deposits to total assets | 79.4655% | 4,520 |
Equity capital to assets | 11.7019% | 2,148 |
Core capital (leverage) ratio | 11.7910% | 1,774 |
Tier 1 risk-based capital ratio | 15.1897% | 2,844 |
Total risk-based capital ratio | 16.2908% | 2,849 |
Memoranda: | ||
Average total assets | $301,248,330 | 2,182 |
Average earning assets | $281,730,670 | 2,168 |
Average equity | $34,513,330 | 2,109 |
Average total loans | $224,532,330 | 1,980 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4510% | 1,497 |
Cost of funding earning assets | 0.6807% | 922 |
Net interest margin | 3.7703% | 2,221 |
Noninterest income to average assets | 0.6552% | 2,153 |
Noninterest expense to average assets | 2.7843% | 2,843 |
Loan and lease loss provision to assets | 0.2525% | 587 |
Net operating income to assets | 1.1443% | 1,695 |
Return on assets (ROA) | 1.1416% | 1,743 |
Pretax return on assets | 1.1416% | 2,815 |
Return on Equity (ROE) | 10.0726% | 1,936 |
Retained earnings to average equity (ytd only) | 6.0506% | 2,305 |
Net charge-offs to loans | 0.4046% | 451 |
Credit loss provision to net charge-offs | 83.3333% | 1,732 |
Earnings coverage of net charge-offs (x) | 4.6096% | 2,369 |
Efficiency ratio | 66.5925% | 3,398 |
Assets per employee ($millions) | 3.6532% | 4,570 |
Cash dividends to net income (ytd only)* | 39.9302% | 2,005 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0749% | 3,856 |
Loan loss allowance to noncurrent loans | 195.7689% | 2,303 |
Noncurrent assets plus other real estate owned to assets | 0.4363% | 3,446 |
Noncurrent loans to loans | 0.5490% | 3,169 |
Net loans and leases to total assets | 73.9198% | 1,754 |
Net loans and leases to deposits | 92.9057% | 1,233 |
Net loans and leases to core deposits | 100.7636% | 1,456 |
Total domestic deposits to total assets | 79.5643% | 4,703 |
Equity capital to assets | 11.4897% | 2,188 |
Core capital (leverage) ratio | 11.5713% | 1,900 |
Tier 1 risk-based capital ratio | 14.8990% | 3,013 |
Total risk-based capital ratio | 15.9318% | 3,051 |
Memoranda: | ||
Average total assets | $300,978,000 | 2,206 |
Average earning assets | $281,465,000 | 2,184 |
Average equity | $34,112,500 | 2,139 |
Average total loans | $225,383,500 | 1,982 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4928% | 1,554 |
Cost of funding earning assets | 0.6371% | 1,126 |
Net interest margin | 3.8557% | 2,112 |
Noninterest income to average assets | 0.6426% | 2,452 |
Noninterest expense to average assets | 2.8663% | 2,791 |
Loan and lease loss provision to assets | 0.2148% | 1,041 |
Net operating income to assets | 1.1639% | 1,631 |
Return on assets (ROA) | 1.1562% | 1,761 |
Pretax return on assets | 1.1562% | 2,868 |
Return on Equity (ROE) | 9.7500% | 2,080 |
Retained earnings to average equity (ytd only) | 4.5264% | 2,683 |
Net charge-offs to loans | 0.1841% | 1,503 |
Credit loss provision to net charge-offs | 155.9796% | 1,763 |
Earnings coverage of net charge-offs (x) | 10.0127% | 2,692 |
Efficiency ratio | 67.5223% | 3,342 |
Assets per employee ($millions) | 3.5999% | 4,609 |
Cash dividends to net income (ytd only)* | 53.5758% | 2,100 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4031% | 2,060 |
Loan loss allowance to noncurrent loans | 1,192.5094% | 523 |
Noncurrent assets plus other real estate owned to assets | 0.1240% | 4,816 |
Noncurrent loans to loans | 0.1177% | 4,766 |
Net loans and leases to total assets | 73.9901% | 1,854 |
Net loans and leases to deposits | 93.3218% | 1,265 |
Net loans and leases to core deposits | 101.1963% | 1,517 |
Total domestic deposits to total assets | 79.2848% | 4,724 |
Equity capital to assets | 11.1795% | 2,441 |
Core capital (leverage) ratio | 11.5543% | 1,891 |
Tier 1 risk-based capital ratio | 14.2721% | 3,302 |
Total risk-based capital ratio | 15.5231% | 3,231 |
Memoranda: | ||
Average total assets | $285,417,200 | 2,245 |
Average earning assets | $266,670,200 | 2,242 |
Average equity | $33,846,200 | 2,142 |
Average total loans | $213,438,800 | 2,018 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4851% | 1,590 |
Cost of funding earning assets | 0.6237% | 1,180 |
Net interest margin | 3.8614% | 2,110 |
Noninterest income to average assets | 0.7156% | 2,097 |
Noninterest expense to average assets | 2.8902% | 2,669 |
Loan and lease loss provision to assets | 0.1631% | 1,410 |
Net operating income to assets | 1.2675% | 1,391 |
Return on assets (ROA) | 1.2571% | 1,532 |
Pretax return on assets | 1.2571% | 2,592 |
Return on Equity (ROE) | 10.4400% | 1,894 |
Retained earnings to average equity (ytd only) | 6.3049% | 2,005 |
Net charge-offs to loans | 0.1104% | 1,838 |
Credit loss provision to net charge-offs | 197.7011% | 1,452 |
Earnings coverage of net charge-offs (x) | 17.3394% | 2,056 |
Efficiency ratio | 66.8898% | 3,444 |
Assets per employee ($millions) | 3.6791% | 4,514 |
Cash dividends to net income (ytd only)* | 39.6078% | 2,372 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4228% | 2,095 |
Loan loss allowance to noncurrent loans | 342.5137% | 1,450 |
Noncurrent assets plus other real estate owned to assets | 0.3762% | 3,914 |
Noncurrent loans to loans | 0.4154% | 3,788 |
Net loans and leases to total assets | 71.9727% | 2,200 |
Net loans and leases to deposits | 93.5595% | 1,308 |
Net loans and leases to core deposits | 99.8368% | 1,648 |
Total domestic deposits to total assets | 76.9272% | 5,106 |
Equity capital to assets | 11.5001% | 2,515 |
Core capital (leverage) ratio | 11.7468% | 1,845 |
Tier 1 risk-based capital ratio | 14.7214% | 3,180 |
Total risk-based capital ratio | 15.9726% | 3,117 |
Memoranda: | ||
Average total assets | $281,173,500 | 2,285 |
Average earning assets | $262,523,500 | 2,277 |
Average equity | $33,856,250 | 2,153 |
Average total loans | $210,067,500 | 2,053 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4824% | 1,572 |
Cost of funding earning assets | 0.6155% | 1,220 |
Net interest margin | 3.8669% | 2,097 |
Noninterest income to average assets | 0.7312% | 2,001 |
Noninterest expense to average assets | 2.9752% | 2,426 |
Loan and lease loss provision to assets | 0.1757% | 1,246 |
Net operating income to assets | 1.1898% | 1,641 |
Return on assets (ROA) | 1.1898% | 1,736 |
Pretax return on assets | 1.1898% | 2,819 |
Return on Equity (ROE) | 9.7209% | 2,170 |
Retained earnings to average equity (ytd only) | 5.4382% | 2,458 |
Net charge-offs to loans | 0.1597% | 1,375 |
Credit loss provision to net charge-offs | 146.0606% | 1,624 |
Earnings coverage of net charge-offs (x) | 11.3515% | 2,267 |
Efficiency ratio | 68.5422% | 3,236 |
Assets per employee ($millions) | 3.5654% | 4,659 |
Cash dividends to net income (ytd only)* | 44.0564% | 2,237 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4154% | 2,224 |
Loan loss allowance to noncurrent loans | 289.5238% | 1,693 |
Noncurrent assets plus other real estate owned to assets | 0.4502% | 3,713 |
Noncurrent loans to loans | 0.4889% | 3,618 |
Net loans and leases to total assets | 74.2360% | 1,796 |
Net loans and leases to deposits | 94.6786% | 1,221 |
Net loans and leases to core deposits | 102.0788% | 1,464 |
Total domestic deposits to total assets | 78.4085% | 4,916 |
Equity capital to assets | 11.9750% | 2,143 |
Core capital (leverage) ratio | 11.9909% | 1,634 |
Tier 1 risk-based capital ratio | 14.8530% | 3,136 |
Total risk-based capital ratio | 16.1042% | 3,078 |
Memoranda: | ||
Average total assets | $274,336,670 | 2,336 |
Average earning assets | $256,070,000 | 2,332 |
Average equity | $33,577,000 | 2,167 |
Average total loans | $206,668,670 | 2,083 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5154% | 1,467 |
Cost of funding earning assets | 0.6212% | 1,210 |
Net interest margin | 3.8943% | 1,951 |
Noninterest income to average assets | 0.7140% | 1,968 |
Noninterest expense to average assets | 2.9365% | 2,580 |
Loan and lease loss provision to assets | 0.2469% | 719 |
Net operating income to assets | 1.1678% | 1,651 |
Return on assets (ROA) | 1.1678% | 1,758 |
Pretax return on assets | 1.1678% | 2,827 |
Return on Equity (ROE) | 9.4330% | 2,222 |
Retained earnings to average equity (ytd only) | 5.2873% | 2,769 |
Net charge-offs to loans | 0.3021% | 712 |
Credit loss provision to net charge-offs | 108.4967% | 1,530 |
Earnings coverage of net charge-offs (x) | 6.2157% | 2,256 |
Efficiency ratio | 67.4872% | 3,548 |
Assets per employee ($millions) | 3.3534% | 5,046 |
Cash dividends to net income (ytd only)* | 43.9490% | 1,957 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4450% | 2,224 |
Loan loss allowance to noncurrent loans | 594.2116% | 879 |
Noncurrent assets plus other real estate owned to assets | 0.2739% | 4,462 |
Noncurrent loans to loans | 0.2432% | 4,561 |
Net loans and leases to total assets | 74.7526% | 1,607 |
Net loans and leases to deposits | 94.6545% | 1,078 |
Net loans and leases to core deposits | 99.7152% | 1,507 |
Total domestic deposits to total assets | 78.9742% | 4,971 |
Equity capital to assets | 12.3724% | 1,771 |
Core capital (leverage) ratio | 12.2737% | 1,446 |
Tier 1 risk-based capital ratio | 15.3221% | 3,006 |
Total risk-based capital ratio | 16.5738% | 2,948 |
Memoranda: | ||
Average total assets | $268,891,000 | 2,393 |
Average earning assets | $251,138,000 | 2,377 |
Average equity | $33,287,500 | 2,184 |
Average total loans | $202,612,000 | 2,118 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4792% | 1,665 |
Cost of funding earning assets | 0.6400% | 1,125 |
Net interest margin | 3.8392% | 2,236 |
Noninterest income to average assets | 0.7529% | 1,968 |
Noninterest expense to average assets | 3.0116% | 2,504 |
Loan and lease loss provision to assets | 0.0680% | 2,933 |
Net operating income to assets | 1.2702% | 1,341 |
Return on assets (ROA) | 1.2978% | 1,318 |
Pretax return on assets | 1.2978% | 2,295 |
Return on Equity (ROE) | 10.7296% | 1,719 |
Retained earnings to average equity (ytd only) | 6.1437% | 1,724 |
Net charge-offs to loans | 0.0572% | 3,078 |
Credit loss provision to net charge-offs | 165.1376% | 1,630 |
Earnings coverage of net charge-offs (x) | 32.5138% | 1,373 |
Efficiency ratio | 69.2361% | 3,356 |
Assets per employee ($millions) | 3.4565% | 4,902 |
Cash dividends to net income (ytd only)* | 42.7408% | 2,716 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4880% | 2,065 |
Loan loss allowance to noncurrent loans | 436.5243% | 1,177 |
Noncurrent assets plus other real estate owned to assets | 0.2634% | 4,534 |
Noncurrent loans to loans | 0.3409% | 4,240 |
Net loans and leases to total assets | 73.7295% | 1,771 |
Net loans and leases to deposits | 96.1215% | 995 |
Net loans and leases to core deposits | 98.7361% | 1,612 |
Total domestic deposits to total assets | 76.7045% | 5,366 |
Equity capital to assets | 12.3868% | 1,679 |
Core capital (leverage) ratio | 12.2373% | 1,488 |
Tier 1 risk-based capital ratio | 15.6712% | 2,852 |
Total risk-based capital ratio | 16.9236% | 2,779 |
Memoranda: | ||
Average total assets | $264,842,600 | 2,382 |
Average earning assets | $248,123,800 | 2,356 |
Average equity | $32,033,000 | 2,199 |
Average total loans | $190,607,600 | 2,153 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4377% | 1,792 |
Cost of funding earning assets | 0.6467% | 1,112 |
Net interest margin | 3.7910% | 2,422 |
Noninterest income to average assets | 0.7616% | 1,976 |
Noninterest expense to average assets | 3.0122% | 2,483 |
Loan and lease loss provision to assets | 0.0464% | 3,276 |
Net operating income to assets | 1.2546% | 1,469 |
Return on assets (ROA) | 1.2914% | 1,417 |
Pretax return on assets | 1.2914% | 2,426 |
Return on Equity (ROE) | 10.7421% | 1,809 |
Retained earnings to average equity (ytd only) | 6.8889% | 1,743 |
Net charge-offs to loans | 0.0601% | 2,739 |
Credit loss provision to net charge-offs | 108.2353% | 2,137 |
Earnings coverage of net charge-offs (x) | 30.3649% | 1,480 |
Efficiency ratio | 69.8376% | 3,233 |
Assets per employee ($millions) | 3.4788% | 4,830 |
Cash dividends to net income (ytd only)* | 35.8704% | 2,524 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4930% | 2,191 |
Loan loss allowance to noncurrent loans | 828.5714% | 684 |
Noncurrent assets plus other real estate owned to assets | 0.1407% | 5,195 |
Noncurrent loans to loans | 0.1802% | 4,929 |
Net loans and leases to total assets | 71.4292% | 2,151 |
Net loans and leases to deposits | 91.0283% | 1,522 |
Net loans and leases to core deposits | 93.4212% | 2,135 |
Total domestic deposits to total assets | 78.4692% | 5,094 |
Equity capital to assets | 12.2097% | 1,951 |
Core capital (leverage) ratio | 11.9353% | 1,709 |
Tier 1 risk-based capital ratio | 15.9912% | 2,801 |
Total risk-based capital ratio | 17.2430% | 2,744 |
Memoranda: | ||
Average total assets | $264,514,750 | 2,407 |
Average earning assets | $247,809,250 | 2,376 |
Average equity | $31,799,250 | 2,226 |
Average total loans | $188,460,000 | 2,185 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4255% | 1,771 |
Cost of funding earning assets | 0.6615% | 1,039 |
Net interest margin | 3.7640% | 2,461 |
Noninterest income to average assets | 0.7472% | 2,007 |
Noninterest expense to average assets | 3.0304% | 2,461 |
Loan and lease loss provision to assets | 0.0699% | 2,710 |
Net operating income to assets | 1.1724% | 1,687 |
Return on assets (ROA) | 1.1724% | 1,759 |
Pretax return on assets | 1.1724% | 2,889 |
Return on Equity (ROE) | 9.8041% | 2,156 |
Retained earnings to average equity (ytd only) | 6.0069% | 2,241 |
Net charge-offs to loans | 0.0504% | 2,704 |
Credit loss provision to net charge-offs | 195.7447% | 1,257 |
Earnings coverage of net charge-offs (x) | 34.8085% | 1,236 |
Efficiency ratio | 70.9259% | 3,175 |
Assets per employee ($millions) | 3.3660% | 5,044 |
Cash dividends to net income (ytd only)* | 38.7306% | 2,447 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5362% | 2,134 |
Loan loss allowance to noncurrent loans | 284.9661% | 1,678 |
Noncurrent assets plus other real estate owned to assets | 0.4082% | 4,283 |
Noncurrent loans to loans | 0.5391% | 3,839 |
Net loans and leases to total assets | 72.6577% | 1,872 |
Net loans and leases to deposits | 91.6321% | 1,407 |
Net loans and leases to core deposits | 93.8567% | 1,971 |
Total domestic deposits to total assets | 79.2928% | 5,029 |
Equity capital to assets | 12.3200% | 1,790 |
Core capital (leverage) ratio | 11.9339% | 1,697 |
Tier 1 risk-based capital ratio | 15.9832% | 2,868 |
Total risk-based capital ratio | 17.2361% | 2,823 |
Memoranda: | ||
Average total assets | $263,397,000 | 2,428 |
Average earning assets | $246,704,330 | 2,402 |
Average equity | $31,497,000 | 2,247 |
Average total loans | $186,534,670 | 2,213 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3955% | 1,785 |
Cost of funding earning assets | 0.6696% | 1,001 |
Net interest margin | 3.7260% | 2,527 |
Noninterest income to average assets | 0.6734% | 2,289 |
Noninterest expense to average assets | 2.8670% | 3,014 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.2941% | 1,291 |
Return on assets (ROA) | 1.2941% | 1,375 |
Pretax return on assets | 1.2941% | 2,307 |
Return on Equity (ROE) | 10.9847% | 1,644 |
Retained earnings to average equity (ytd only) | 6.8798% | 2,063 |
Net charge-offs to loans | 0.0391% | 2,441 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 47.7222% | 861 |
Efficiency ratio | 68.8993% | 3,679 |
Assets per employee ($millions) | 3.4910% | 4,913 |
Cash dividends to net income (ytd only)* | 37.3690% | 2,121 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5612% | 2,184 |
Loan loss allowance to noncurrent loans | 4,872.8814% | 134 |
Noncurrent assets plus other real estate owned to assets | 0.0830% | 5,610 |
Noncurrent loans to loans | 0.0320% | 5,666 |
Net loans and leases to total assets | 67.4361% | 2,541 |
Net loans and leases to deposits | 84.2766% | 2,033 |
Net loans and leases to core deposits | 86.4386% | 2,503 |
Total domestic deposits to total assets | 80.0176% | 5,050 |
Equity capital to assets | 11.7478% | 2,241 |
Core capital (leverage) ratio | 11.6323% | 1,902 |
Tier 1 risk-based capital ratio | 17.1573% | 2,421 |
Total risk-based capital ratio | 18.4111% | 2,376 |
Memoranda: | ||
Average total assets | $265,505,000 | 2,424 |
Average earning assets | $248,525,000 | 2,391 |
Average equity | $31,280,000 | 2,272 |
Average total loans | $184,175,500 | 2,237 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4240% | 2,145 |
Cost of funding earning assets | 0.7209% | 997 |
Net interest margin | 3.7031% | 2,997 |
Noninterest income to average assets | 0.6946% | 2,330 |
Noninterest expense to average assets | 2.8394% | 3,343 |
Loan and lease loss provision to assets | 0.2214% | 1,110 |
Net operating income to assets | 1.1091% | 1,945 |
Return on assets (ROA) | 1.1034% | 2,015 |
Pretax return on assets | 1.1034% | 3,068 |
Return on Equity (ROE) | 9.5552% | 2,311 |
Retained earnings to average equity (ytd only) | 4.5474% | 2,937 |
Net charge-offs to loans | 0.0466% | 3,893 |
Credit loss provision to net charge-offs | 689.2857% | 384 |
Earnings coverage of net charge-offs (x) | 41.4167% | 1,053 |
Efficiency ratio | 68.0914% | 3,891 |
Assets per employee ($millions) | 3.4052% | 5,051 |
Cash dividends to net income (ytd only)* | 52.4090% | 2,136 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5705% | 2,189 |
Loan loss allowance to noncurrent loans | 612.9237% | 907 |
Noncurrent assets plus other real estate owned to assets | 0.1800% | 5,312 |
Noncurrent loans to loans | 0.2562% | 4,919 |
Net loans and leases to total assets | 69.1487% | 2,373 |
Net loans and leases to deposits | 86.9784% | 1,852 |
Net loans and leases to core deposits | 89.6403% | 2,320 |
Total domestic deposits to total assets | 79.5010% | 5,142 |
Equity capital to assets | 11.8157% | 2,162 |
Core capital (leverage) ratio | 11.6701% | 1,847 |
Tier 1 risk-based capital ratio | 17.2111% | 2,423 |
Total risk-based capital ratio | 18.4656% | 2,375 |
Memoranda: | ||
Average total assets | $261,462,600 | 2,413 |
Average earning assets | $245,386,200 | 2,379 |
Average equity | $30,193,000 | 2,261 |
Average total loans | $180,124,000 | 2,224 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4350% | 2,097 |
Cost of funding earning assets | 0.7313% | 985 |
Net interest margin | 3.7037% | 3,008 |
Noninterest income to average assets | 0.7027% | 2,318 |
Noninterest expense to average assets | 2.8301% | 3,348 |
Loan and lease loss provision to assets | 0.2674% | 790 |
Net operating income to assets | 1.0864% | 2,087 |
Return on assets (ROA) | 1.0864% | 2,159 |
Pretax return on assets | 1.0864% | 3,241 |
Return on Equity (ROE) | 9.4633% | 2,465 |
Retained earnings to average equity (ytd only) | 5.1828% | 2,968 |
Net charge-offs to loans | 0.0350% | 3,788 |
Credit loss provision to net charge-offs | 1,114.8936% | 302 |
Earnings coverage of net charge-offs (x) | 56.4423% | 901 |
Efficiency ratio | 67.6424% | 3,916 |
Assets per employee ($millions) | 3.3901% | 5,063 |
Cash dividends to net income (ytd only)* | 45.2325% | 2,088 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5640% | 2,439 |
Loan loss allowance to noncurrent loans | 616.9528% | 834 |
Noncurrent assets plus other real estate owned to assets | 0.2126% | 5,366 |
Noncurrent loans to loans | 0.2535% | 5,147 |
Net loans and leases to total assets | 69.3170% | 2,307 |
Net loans and leases to deposits | 86.3323% | 1,872 |
Net loans and leases to core deposits | 88.9561% | 2,333 |
Total domestic deposits to total assets | 80.2909% | 5,019 |
Equity capital to assets | 11.7865% | 2,232 |
Core capital (leverage) ratio | 11.4939% | 2,070 |
Tier 1 risk-based capital ratio | 17.1395% | 2,552 |
Total risk-based capital ratio | 18.3939% | 2,509 |
Memoranda: | ||
Average total assets | $261,277,500 | 2,440 |
Average earning assets | $245,587,000 | 2,397 |
Average equity | $29,996,000 | 2,285 |
Average total loans | $179,104,250 | 2,249 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3773% | 2,264 |
Cost of funding earning assets | 0.7509% | 919 |
Net interest margin | 3.6264% | 3,253 |
Noninterest income to average assets | 0.6765% | 2,396 |
Noninterest expense to average assets | 2.8275% | 3,402 |
Loan and lease loss provision to assets | 0.3153% | 609 |
Net operating income to assets | 0.9412% | 2,590 |
Return on assets (ROA) | 0.9412% | 2,696 |
Pretax return on assets | 0.9412% | 3,717 |
Return on Equity (ROE) | 8.2720% | 2,945 |
Retained earnings to average equity (ytd only) | 3.9544% | 3,664 |
Net charge-offs to loans | 0.0372% | 3,480 |
Credit loss provision to net charge-offs | 1,248.4848% | 284 |
Earnings coverage of net charge-offs (x) | 49.7576% | 913 |
Efficiency ratio | 69.2337% | 3,790 |
Assets per employee ($millions) | 3.5598% | 4,742 |
Cash dividends to net income (ytd only)* | 52.1951% | 1,842 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5036% | 2,880 |
Loan loss allowance to noncurrent loans | 706.6158% | 687 |
Noncurrent assets plus other real estate owned to assets | 0.1989% | 5,523 |
Noncurrent loans to loans | 0.2128% | 5,378 |
Net loans and leases to total assets | 70.0041% | 2,084 |
Net loans and leases to deposits | 87.1999% | 1,681 |
Net loans and leases to core deposits | 90.2076% | 2,109 |
Total domestic deposits to total assets | 80.2801% | 5,184 |
Equity capital to assets | 11.6320% | 2,294 |
Core capital (leverage) ratio | 11.4387% | 2,063 |
Tier 1 risk-based capital ratio | 16.8715% | 2,676 |
Total risk-based capital ratio | 18.1251% | 2,642 |
Memoranda: | ||
Average total assets | $261,357,670 | 2,442 |
Average earning assets | $245,584,670 | 2,392 |
Average equity | $29,739,000 | 2,287 |
Average total loans | $177,533,000 | 2,261 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2932% | 2,553 |
Cost of funding earning assets | 0.7617% | 919 |
Net interest margin | 3.5314% | 3,563 |
Noninterest income to average assets | 0.6913% | 2,216 |
Noninterest expense to average assets | 2.8447% | 3,399 |
Loan and lease loss provision to assets | 0.3663% | 470 |
Net operating income to assets | 0.8058% | 3,125 |
Return on assets (ROA) | 0.8058% | 3,201 |
Pretax return on assets | 0.8058% | 4,087 |
Return on Equity (ROE) | 7.1607% | 3,381 |
Retained earnings to average equity (ytd only) | 2.8073% | 4,409 |
Net charge-offs to loans | 0.0092% | 3,441 |
Credit loss provision to net charge-offs | 6,000.0000% | 53 |
Earnings coverage of net charge-offs (x) | 192.0000% | 253 |
Efficiency ratio | 70.8207% | 3,680 |
Assets per employee ($millions) | 3.4318% | 5,072 |
Cash dividends to net income (ytd only)* | 60.7955% | 1,388 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4898% | 3,181 |
Loan loss allowance to noncurrent loans | 680.6202% | 726 |
Noncurrent assets plus other real estate owned to assets | 0.2274% | 5,521 |
Noncurrent loans to loans | 0.2189% | 5,438 |
Net loans and leases to total assets | 65.9101% | 2,581 |
Net loans and leases to deposits | 81.7585% | 2,072 |
Net loans and leases to core deposits | 84.7383% | 2,439 |
Total domestic deposits to total assets | 80.6156% | 5,347 |
Equity capital to assets | 11.2201% | 2,505 |
Core capital (leverage) ratio | 11.2048% | 2,216 |
Tier 1 risk-based capital ratio | 17.3876% | 2,519 |
Total risk-based capital ratio | 18.6409% | 2,488 |
Memoranda: | ||
Average total assets | $262,102,000 | 2,441 |
Average earning assets | $246,811,000 | 2,381 |
Average equity | $29,494,500 | 2,300 |
Average total loans | $173,951,500 | 2,297 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8835% | 1,123 |
Cost of funding earning assets | 0.8879% | 789 |
Net interest margin | 3.9956% | 1,958 |
Noninterest income to average assets | 0.7388% | 2,337 |
Noninterest expense to average assets | 2.6748% | 4,196 |
Loan and lease loss provision to assets | 0.2065% | 1,791 |
Net operating income to assets | 1.3279% | 1,184 |
Return on assets (ROA) | 1.3145% | 1,254 |
Pretax return on assets | 1.3145% | 2,092 |
Return on Equity (ROE) | 11.8740% | 1,462 |
Retained earnings to average equity (ytd only) | 6.1663% | 1,875 |
Net charge-offs to loans | 0.1031% | 3,794 |
Credit loss provision to net charge-offs | 302.2346% | 754 |
Earnings coverage of net charge-offs (x) | 22.4525% | 1,449 |
Efficiency ratio | 63.5465% | 4,979 |
Assets per employee ($millions) | 3.3761% | 5,144 |
Cash dividends to net income (ytd only)* | 48.0685% | 2,374 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4015% | 3,648 |
Loan loss allowance to noncurrent loans | 279.8133% | 1,577 |
Noncurrent assets plus other real estate owned to assets | 0.4120% | 5,019 |
Noncurrent loans to loans | 0.5009% | 4,743 |
Net loans and leases to total assets | 64.8975% | 2,889 |
Net loans and leases to deposits | 81.2218% | 2,295 |
Net loans and leases to core deposits | 83.8615% | 2,688 |
Total domestic deposits to total assets | 79.9016% | 5,465 |
Equity capital to assets | 11.2865% | 2,353 |
Core capital (leverage) ratio | 11.2102% | 2,185 |
Tier 1 risk-based capital ratio | 17.7880% | 2,308 |
Total risk-based capital ratio | 19.0404% | 2,280 |
Memoranda: | ||
Average total assets | $261,923,600 | 2,415 |
Average earning assets | $227,499,400 | 2,540 |
Average equity | $28,996,200 | 2,310 |
Average total loans | $173,568,600 | 2,263 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0125% | 920 |
Cost of funding earning assets | 0.9228% | 731 |
Net interest margin | 4.0897% | 1,663 |
Noninterest income to average assets | 0.7428% | 2,396 |
Noninterest expense to average assets | 2.6385% | 4,245 |
Loan and lease loss provision to assets | 0.1682% | 2,160 |
Net operating income to assets | 1.4130% | 1,079 |
Return on assets (ROA) | 1.3957% | 1,160 |
Pretax return on assets | 1.3957% | 1,943 |
Return on Equity (ROE) | 12.6688% | 1,322 |
Retained earnings to average equity (ytd only) | 7.9924% | 1,411 |
Net charge-offs to loans | 0.0919% | 3,646 |
Credit loss provision to net charge-offs | 275.8333% | 924 |
Earnings coverage of net charge-offs (x) | 25.9327% | 1,365 |
Efficiency ratio | 62.5286% | 5,062 |
Assets per employee ($millions) | 3.5643% | 4,730 |
Cash dividends to net income (ytd only)* | 36.9131% | 2,396 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2905% | 4,442 |
Loan loss allowance to noncurrent loans | 416.8831% | 1,042 |
Noncurrent assets plus other real estate owned to assets | 0.2517% | 5,684 |
Noncurrent loans to loans | 0.3095% | 5,452 |
Net loans and leases to total assets | 65.1644% | 2,774 |
Net loans and leases to deposits | 81.3954% | 2,212 |
Net loans and leases to core deposits | 84.0968% | 2,644 |
Total domestic deposits to total assets | 80.0591% | 5,496 |
Equity capital to assets | 11.1219% | 2,642 |
Core capital (leverage) ratio | 11.0572% | 2,424 |
Tier 1 risk-based capital ratio | 17.3414% | 2,566 |
Total risk-based capital ratio | 18.5924% | 2,539 |
Memoranda: | ||
Average total assets | $262,415,500 | 2,436 |
Average earning assets | $223,091,750 | 2,601 |
Average equity | $28,910,250 | 2,340 |
Average total loans | $174,185,000 | 2,261 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0319% | 864 |
Cost of funding earning assets | 0.9369% | 753 |
Net interest margin | 4.0949% | 1,555 |
Noninterest income to average assets | 0.7573% | 2,380 |
Noninterest expense to average assets | 2.6324% | 4,273 |
Loan and lease loss provision to assets | 0.0779% | 3,504 |
Net operating income to assets | 1.5506% | 816 |
Return on assets (ROA) | 1.5239% | 931 |
Pretax return on assets | 1.5239% | 1,552 |
Return on Equity (ROE) | 13.8762% | 1,036 |
Retained earnings to average equity (ytd only) | 9.2114% | 1,054 |
Net charge-offs to loans | 0.0517% | 3,948 |
Credit loss provision to net charge-offs | 226.6667% | 1,085 |
Earnings coverage of net charge-offs (x) | 47.4000% | 829 |
Efficiency ratio | 61.7810% | 5,205 |
Assets per employee ($millions) | 3.6074% | 4,605 |
Cash dividends to net income (ytd only)* | 33.6172% | 2,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1877% | 5,053 |
Loan loss allowance to noncurrent loans | 362.1107% | 1,168 |
Noncurrent assets plus other real estate owned to assets | 0.2225% | 5,819 |
Noncurrent loans to loans | 0.3280% | 5,475 |
Net loans and leases to total assets | 67.0444% | 2,403 |
Net loans and leases to deposits | 84.3797% | 1,748 |
Net loans and leases to core deposits | 87.1051% | 2,220 |
Total domestic deposits to total assets | 79.4555% | 5,721 |
Equity capital to assets | 11.2531% | 2,519 |
Core capital (leverage) ratio | 11.1081% | 2,252 |
Tier 1 risk-based capital ratio | 17.0552% | 2,692 |
Total risk-based capital ratio | 18.2924% | 2,668 |
Memoranda: | ||
Average total assets | $261,967,670 | 2,441 |
Average earning assets | $224,131,670 | 2,598 |
Average equity | $28,768,670 | 2,360 |
Average total loans | $174,205,330 | 2,267 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9912% | 902 |
Cost of funding earning assets | 0.9423% | 812 |
Net interest margin | 4.0490% | 1,619 |
Noninterest income to average assets | 0.8119% | 2,080 |
Noninterest expense to average assets | 2.6851% | 4,126 |
Loan and lease loss provision to assets | 0.0517% | 3,756 |
Net operating income to assets | 1.5508% | 766 |
Return on assets (ROA) | 1.5508% | 838 |
Pretax return on assets | 1.5508% | 1,422 |
Return on Equity (ROE) | 14.2962% | 902 |
Retained earnings to average equity (ytd only) | 9.3907% | 1,273 |
Net charge-offs to loans | -0.0208% | 5,732 |
Credit loss provision to net charge-offs | -377.7778% | 5,409 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.6241% | 5,214 |
Assets per employee ($millions) | 3.5937% | 4,795 |
Cash dividends to net income (ytd only)* | 34.3137% | 1,985 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1984% | 5,184 |
Loan loss allowance to noncurrent loans | 609.6774% | 722 |
Noncurrent assets plus other real estate owned to assets | 0.1300% | 6,180 |
Noncurrent loans to loans | 0.1966% | 5,911 |
Net loans and leases to total assets | 65.3377% | 2,489 |
Net loans and leases to deposits | 82.1101% | 1,813 |
Net loans and leases to core deposits | 84.7527% | 2,239 |
Total domestic deposits to total assets | 79.5733% | 5,847 |
Equity capital to assets | 10.9795% | 2,979 |
Core capital (leverage) ratio | 10.7043% | 2,547 |
Tier 1 risk-based capital ratio | 16.7546% | 2,883 |
Total risk-based capital ratio | 17.9908% | 2,857 |
Memoranda: | ||
Average total assets | $263,084,500 | 2,458 |
Average earning assets | $225,835,500 | 2,605 |
Average equity | $28,539,000 | 2,415 |
Average total loans | $173,193,000 | 2,291 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1316% | 1,238 |
Cost of funding earning assets | 0.9809% | 1,461 |
Net interest margin | 4.1508% | 1,815 |
Noninterest income to average assets | 0.7500% | 2,498 |
Noninterest expense to average assets | 2.5248% | 5,009 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 1.9095% | 421 |
Return on assets (ROA) | 1.9095% | 467 |
Pretax return on assets | 1.9095% | 740 |
Return on Equity (ROE) | 18.3683% | 412 |
Retained earnings to average equity (ytd only) | 6.8410% | 1,649 |
Net charge-offs to loans | 0.1402% | 4,291 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 20.1753% | 1,364 |
Efficiency ratio | 56.9388% | 5,960 |
Assets per employee ($millions) | 3.5177% | 4,975 |
Cash dividends to net income (ytd only)* | 62.7567% | 1,661 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1776% | 5,225 |
Loan loss allowance to noncurrent loans | 485.9189% | 841 |
Noncurrent assets plus other real estate owned to assets | 0.3282% | 5,688 |
Noncurrent loans to loans | 0.2423% | 5,874 |
Net loans and leases to total assets | 64.7631% | 2,762 |
Net loans and leases to deposits | 81.4113% | 2,088 |
Net loans and leases to core deposits | 84.4802% | 2,493 |
Total domestic deposits to total assets | 79.5505% | 5,772 |
Equity capital to assets | 10.7169% | 3,257 |
Core capital (leverage) ratio | 10.3312% | 2,974 |
Tier 1 risk-based capital ratio | 16.3354% | 2,977 |
Total risk-based capital ratio | 17.5445% | 2,958 |
Memoranda: | ||
Average total assets | $265,205,200 | 2,392 |
Average earning assets | $235,402,200 | 2,452 |
Average equity | $27,569,200 | 2,438 |
Average total loans | $179,081,800 | 2,215 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1035% | 1,417 |
Cost of funding earning assets | 0.9863% | 1,643 |
Net interest margin | 4.1173% | 2,028 |
Noninterest income to average assets | 0.7064% | 2,679 |
Noninterest expense to average assets | 2.4949% | 5,103 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 1.8984% | 455 |
Return on assets (ROA) | 1.8984% | 530 |
Pretax return on assets | 1.8984% | 873 |
Return on Equity (ROE) | 18.4033% | 454 |
Retained earnings to average equity (ytd only) | 9.7784% | 971 |
Net charge-offs to loans | 0.1299% | 4,078 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 21.4830% | 1,404 |
Efficiency ratio | 56.7886% | 5,946 |
Assets per employee ($millions) | 3.5365% | 4,886 |
Cash dividends to net income (ytd only)* | 46.8659% | 1,844 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1473% | 5,533 |
Loan loss allowance to noncurrent loans | 340.4839% | 1,099 |
Noncurrent assets plus other real estate owned to assets | 0.3566% | 5,799 |
Noncurrent loans to loans | 0.3370% | 5,801 |
Net loans and leases to total assets | 66.7937% | 2,505 |
Net loans and leases to deposits | 83.6187% | 1,915 |
Net loans and leases to core deposits | 87.2630% | 2,308 |
Total domestic deposits to total assets | 79.8790% | 5,688 |
Equity capital to assets | 10.4753% | 3,872 |
Core capital (leverage) ratio | 10.2889% | 3,180 |
Tier 1 risk-based capital ratio | 15.5463% | 3,506 |
Total risk-based capital ratio | 16.7335% | 3,508 |
Memoranda: | ||
Average total assets | $265,550,000 | 2,413 |
Average earning assets | $237,789,750 | 2,458 |
Average equity | $27,393,000 | 2,469 |
Average total loans | $180,627,750 | 2,217 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0957% | 1,514 |
Cost of funding earning assets | 0.9902% | 1,824 |
Net interest margin | 4.1054% | 2,071 |
Noninterest income to average assets | 0.7034% | 2,651 |
Noninterest expense to average assets | 2.5150% | 5,090 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 1.8982% | 462 |
Return on assets (ROA) | 1.8982% | 525 |
Pretax return on assets | 1.8982% | 850 |
Return on Equity (ROE) | 18.5004% | 452 |
Retained earnings to average equity (ytd only) | 9.7869% | 1,038 |
Net charge-offs to loans | 0.1415% | 3,786 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 19.6772% | 1,424 |
Efficiency ratio | 56.9880% | 6,003 |
Assets per employee ($millions) | 3.7139% | 4,492 |
Cash dividends to net income (ytd only)* | 47.0988% | 1,860 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1975% | 5,365 |
Loan loss allowance to noncurrent loans | 1,085.4271% | 378 |
Noncurrent assets plus other real estate owned to assets | 0.1638% | 6,385 |
Noncurrent loans to loans | 0.1103% | 6,387 |
Net loans and leases to total assets | 65.7341% | 2,725 |
Net loans and leases to deposits | 82.3978% | 2,063 |
Net loans and leases to core deposits | 86.1154% | 2,416 |
Total domestic deposits to total assets | 79.7765% | 5,802 |
Equity capital to assets | 10.2418% | 4,003 |
Core capital (leverage) ratio | 9.9782% | 3,449 |
Tier 1 risk-based capital ratio | 15.3134% | 3,569 |
Total risk-based capital ratio | 16.5410% | 3,539 |
Memoranda: | ||
Average total assets | $263,297,670 | 2,428 |
Average earning assets | $237,928,330 | 2,452 |
Average equity | $27,015,670 | 2,483 |
Average total loans | $179,505,330 | 2,242 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1647% | 1,396 |
Cost of funding earning assets | 1.0084% | 1,930 |
Net interest margin | 4.1564% | 1,914 |
Noninterest income to average assets | 0.6384% | 3,002 |
Noninterest expense to average assets | 2.5460% | 5,001 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.8490% | 539 |
Return on assets (ROA) | 1.8490% | 613 |
Pretax return on assets | 1.8490% | 978 |
Return on Equity (ROE) | 18.0030% | 549 |
Retained earnings to average equity (ytd only) | 9.1592% | 1,528 |
Net charge-offs to loans | 0.1005% | 3,535 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 26.6444% | 999 |
Efficiency ratio | 57.9298% | 5,924 |
Assets per employee ($millions) | 3.6140% | 4,847 |
Cash dividends to net income (ytd only)* | 49.1243% | 1,495 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2441% | 5,287 |
Loan loss allowance to noncurrent loans | 429.5019% | 787 |
Noncurrent assets plus other real estate owned to assets | 0.2583% | 6,239 |
Noncurrent loans to loans | 0.2897% | 6,096 |
Net loans and leases to total assets | 68.3926% | 2,045 |
Net loans and leases to deposits | 83.7601% | 1,694 |
Net loans and leases to core deposits | 87.4667% | 2,122 |
Total domestic deposits to total assets | 81.6530% | 5,407 |
Equity capital to assets | 10.3789% | 3,635 |
Core capital (leverage) ratio | 10.1887% | 3,125 |
Tier 1 risk-based capital ratio | 15.1886% | 3,628 |
Total risk-based capital ratio | 16.4389% | 3,587 |
Memoranda: | ||
Average total assets | $259,389,000 | 2,486 |
Average earning assets | $234,436,000 | 2,495 |
Average equity | $26,640,000 | 2,509 |
Average total loans | $179,070,500 | 2,254 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3977% | 1,426 |
Cost of funding earning assets | 1.1401% | 2,411 |
Net interest margin | 4.2576% | 1,848 |
Noninterest income to average assets | 0.6884% | 2,670 |
Noninterest expense to average assets | 2.5694% | 5,201 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 2.0181% | 299 |
Return on assets (ROA) | 2.0181% | 319 |
Pretax return on assets | 2.0181% | 514 |
Return on Equity (ROE) | 19.5327% | 282 |
Retained earnings to average equity (ytd only) | 8.8590% | 844 |
Net charge-offs to loans | 0.1274% | 5,120 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 22.1577% | 1,071 |
Efficiency ratio | 56.0097% | 6,315 |
Assets per employee ($millions) | 3.6418% | 4,683 |
Cash dividends to net income (ytd only)* | 54.6453% | 1,815 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2853% | 4,994 |
Loan loss allowance to noncurrent loans | 723.7342% | 518 |
Noncurrent assets plus other real estate owned to assets | 0.1802% | 6,500 |
Noncurrent loans to loans | 0.1776% | 6,393 |
Net loans and leases to total assets | 67.9309% | 2,407 |
Net loans and leases to deposits | 83.4182% | 2,003 |
Net loans and leases to core deposits | 86.7337% | 2,538 |
Total domestic deposits to total assets | 81.4342% | 5,315 |
Equity capital to assets | 10.1610% | 3,958 |
Core capital (leverage) ratio | 9.8427% | 3,525 |
Tier 1 risk-based capital ratio | 14.9069% | 3,693 |
Total risk-based capital ratio | 16.1580% | 3,663 |
Memoranda: | ||
Average total assets | $243,750,000 | 2,593 |
Average earning assets | $223,224,800 | 2,577 |
Average equity | $25,183,400 | 2,560 |
Average total loans | $174,268,000 | 2,323 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4845% | 1,289 |
Cost of funding earning assets | 1.1555% | 2,601 |
Net interest margin | 4.3291% | 1,615 |
Noninterest income to average assets | 0.6960% | 2,632 |
Noninterest expense to average assets | 2.5906% | 5,117 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 2.0801% | 301 |
Return on assets (ROA) | 2.0801% | 326 |
Pretax return on assets | 2.0801% | 542 |
Return on Equity (ROE) | 20.0442% | 313 |
Retained earnings to average equity (ytd only) | 11.0363% | 627 |
Net charge-offs to loans | 0.1515% | 4,557 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 19.0102% | 1,274 |
Efficiency ratio | 55.4644% | 6,341 |
Assets per employee ($millions) | 3.4612% | 5,094 |
Cash dividends to net income (ytd only)* | 44.9398% | 1,814 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3168% | 4,929 |
Loan loss allowance to noncurrent loans | 1,879.6748% | 214 |
Noncurrent assets plus other real estate owned to assets | 0.0821% | 6,849 |
Noncurrent loans to loans | 0.0701% | 6,752 |
Net loans and leases to total assets | 66.7458% | 2,728 |
Net loans and leases to deposits | 81.9099% | 2,375 |
Net loans and leases to core deposits | 84.9792% | 2,912 |
Total domestic deposits to total assets | 81.4868% | 5,261 |
Equity capital to assets | 10.0733% | 4,247 |
Core capital (leverage) ratio | 10.1806% | 3,212 |
Tier 1 risk-based capital ratio | 14.9554% | 3,685 |
Total risk-based capital ratio | 16.2066% | 3,657 |
Memoranda: | ||
Average total assets | $240,045,750 | 2,648 |
Average earning assets | $220,396,750 | 2,624 |
Average equity | $24,911,000 | 2,580 |
Average total loans | $173,351,500 | 2,347 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5845% | 1,099 |
Cost of funding earning assets | 1.1963% | 2,602 |
Net interest margin | 4.3882% | 1,403 |
Noninterest income to average assets | 0.6988% | 2,556 |
Noninterest expense to average assets | 2.6403% | 5,037 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 2.0794% | 307 |
Return on assets (ROA) | 2.0794% | 317 |
Pretax return on assets | 2.0794% | 510 |
Return on Equity (ROE) | 19.8218% | 322 |
Retained earnings to average equity (ytd only) | 10.6864% | 725 |
Net charge-offs to loans | 0.1332% | 4,410 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 21.1130% | 1,162 |
Efficiency ratio | 55.9427% | 6,429 |
Assets per employee ($millions) | 3.4901% | 4,968 |
Cash dividends to net income (ytd only)* | 46.0873% | 1,829 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3520% | 4,824 |
Loan loss allowance to noncurrent loans | 935.1563% | 395 |
Noncurrent assets plus other real estate owned to assets | 0.1458% | 6,724 |
Noncurrent loans to loans | 0.1446% | 6,619 |
Net loans and leases to total assets | 72.5367% | 1,679 |
Net loans and leases to deposits | 90.4234% | 1,224 |
Net loans and leases to core deposits | 94.4824% | 1,851 |
Total domestic deposits to total assets | 80.2189% | 5,763 |
Equity capital to assets | 10.4972% | 3,506 |
Core capital (leverage) ratio | 10.4504% | 2,763 |
Tier 1 risk-based capital ratio | 14.6167% | 3,717 |
Total risk-based capital ratio | 15.8731% | 3,675 |
Memoranda: | ||
Average total assets | $233,531,670 | 2,723 |
Average earning assets | $213,985,330 | 2,712 |
Average equity | $24,498,330 | 2,609 |
Average total loans | $172,610,000 | 2,377 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6195% | 1,023 |
Cost of funding earning assets | 1.2192% | 2,688 |
Net interest margin | 4.4003% | 1,275 |
Noninterest income to average assets | 0.6159% | 3,064 |
Noninterest expense to average assets | 2.5891% | 5,270 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 2.0584% | 321 |
Return on assets (ROA) | 2.0584% | 336 |
Pretax return on assets | 2.0584% | 503 |
Return on Equity (ROE) | 19.6283% | 355 |
Retained earnings to average equity (ytd only) | 10.4364% | 1,010 |
Net charge-offs to loans | 0.0916% | 4,025 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 30.3333% | 825 |
Efficiency ratio | 55.7095% | 6,532 |
Assets per employee ($millions) | 3.1167% | 5,909 |
Cash dividends to net income (ytd only)* | 46.8301% | 1,575 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4502% | 4,437 |
Loan loss allowance to noncurrent loans | 2,129.3103% | 203 |
Noncurrent assets plus other real estate owned to assets | 0.0496% | 7,042 |
Noncurrent loans to loans | 0.0681% | 6,869 |
Net loans and leases to total assets | 71.8056% | 1,759 |
Net loans and leases to deposits | 88.9793% | 1,354 |
Net loans and leases to core deposits | 93.0710% | 1,999 |
Total domestic deposits to total assets | 80.6992% | 5,744 |
Equity capital to assets | 10.4825% | 3,196 |
Core capital (leverage) ratio | 10.5034% | 2,609 |
Tier 1 risk-based capital ratio | 14.7134% | 3,603 |
Total risk-based capital ratio | 15.9705% | 3,552 |
Memoranda: | ||
Average total assets | $229,889,500 | 2,774 |
Average earning assets | $210,623,000 | 2,772 |
Average equity | $24,108,000 | 2,634 |
Average total loans | $170,378,000 | 2,430 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8690% | 1,105 |
Cost of funding earning assets | 1.4752% | 2,786 |
Net interest margin | 4.3938% | 1,495 |
Noninterest income to average assets | 0.8102% | 2,231 |
Noninterest expense to average assets | 2.6881% | 5,039 |
Loan and lease loss provision to assets | 0.1565% | 5,640 |
Net operating income to assets | 1.9602% | 302 |
Return on assets (ROA) | 1.9375% | 331 |
Pretax return on assets | 1.9375% | 557 |
Return on Equity (ROE) | 18.9760% | 315 |
Retained earnings to average equity (ytd only) | 8.3883% | 873 |
Net charge-offs to loans | 0.1162% | 5,718 |
Credit loss provision to net charge-offs | 183.3333% | 1,794 |
Earnings coverage of net charge-offs (x) | 24.7917% | 851 |
Efficiency ratio | 55.9463% | 6,602 |
Assets per employee ($millions) | 3.0544% | 5,990 |
Cash dividends to net income (ytd only)* | 55.7953% | 1,820 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4721% | 4,172 |
Loan loss allowance to noncurrent loans | 1,661.5894% | 241 |
Noncurrent assets plus other real estate owned to assets | 0.1049% | 6,970 |
Noncurrent loans to loans | 0.0886% | 6,913 |
Net loans and leases to total assets | 74.2964% | 1,602 |
Net loans and leases to deposits | 92.8036% | 1,161 |
Net loans and leases to core deposits | 96.7941% | 1,916 |
Total domestic deposits to total assets | 80.0577% | 5,818 |
Equity capital to assets | 10.4912% | 3,165 |
Core capital (leverage) ratio | 10.1491% | 2,928 |
Tier 1 risk-based capital ratio | 14.4466% | 3,586 |
Total risk-based capital ratio | 15.6998% | 3,534 |
Memoranda: | ||
Average total assets | $224,879,200 | 2,814 |
Average earning assets | $204,446,600 | 2,813 |
Average equity | $22,960,600 | 2,768 |
Average total loans | $165,214,000 | 2,542 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8898% | 1,157 |
Cost of funding earning assets | 1.5179% | 2,863 |
Net interest margin | 4.3720% | 1,608 |
Noninterest income to average assets | 0.8703% | 1,910 |
Noninterest expense to average assets | 2.6613% | 5,055 |
Loan and lease loss provision to assets | 0.1906% | 5,139 |
Net operating income to assets | 1.9905% | 344 |
Return on assets (ROA) | 1.9596% | 391 |
Pretax return on assets | 1.9596% | 680 |
Return on Equity (ROE) | 19.3269% | 360 |
Retained earnings to average equity (ytd only) | 10.5622% | 672 |
Net charge-offs to loans | 0.1001% | 5,528 |
Credit loss provision to net charge-offs | 260.9756% | 1,265 |
Earnings coverage of net charge-offs (x) | 29.8691% | 882 |
Efficiency ratio | 54.9589% | 6,690 |
Assets per employee ($millions) | 3.0947% | 5,930 |
Cash dividends to net income (ytd only)* | 45.3499% | 1,830 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5120% | 3,909 |
Loan loss allowance to noncurrent loans | 1,507.1006% | 261 |
Noncurrent assets plus other real estate owned to assets | 0.1392% | 7,002 |
Noncurrent loans to loans | 0.1003% | 6,987 |
Net loans and leases to total assets | 71.4790% | 2,355 |
Net loans and leases to deposits | 88.8642% | 1,880 |
Net loans and leases to core deposits | 91.9075% | 2,817 |
Total domestic deposits to total assets | 80.4363% | 5,563 |
Equity capital to assets | 10.2252% | 3,845 |
Core capital (leverage) ratio | 10.0723% | 3,177 |
Tier 1 risk-based capital ratio | 14.4272% | 3,552 |
Total risk-based capital ratio | 15.6829% | 3,524 |
Memoranda: | ||
Average total assets | $224,592,250 | 2,850 |
Average earning assets | $204,053,000 | 2,868 |
Average equity | $22,772,500 | 2,835 |
Average total loans | $163,907,750 | 2,602 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9457% | 1,063 |
Cost of funding earning assets | 1.5702% | 2,835 |
Net interest margin | 4.3755% | 1,523 |
Noninterest income to average assets | 0.9339% | 1,566 |
Noninterest expense to average assets | 2.7223% | 4,824 |
Loan and lease loss provision to assets | 0.1909% | 4,970 |
Net operating income to assets | 1.9929% | 333 |
Return on assets (ROA) | 1.9605% | 390 |
Pretax return on assets | 1.9605% | 656 |
Return on Equity (ROE) | 19.3922% | 365 |
Retained earnings to average equity (ytd only) | 12.0522% | 482 |
Net charge-offs to loans | 0.1059% | 5,095 |
Credit loss provision to net charge-offs | 246.5116% | 1,561 |
Earnings coverage of net charge-offs (x) | 28.1977% | 958 |
Efficiency ratio | 55.4883% | 6,704 |
Assets per employee ($millions) | 2.9435% | 6,265 |
Cash dividends to net income (ytd only)* | 37.8503% | 2,183 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4895% | 3,984 |
Loan loss allowance to noncurrent loans | 926.9663% | 369 |
Noncurrent assets plus other real estate owned to assets | 0.1703% | 6,962 |
Noncurrent loans to loans | 0.1607% | 6,940 |
Net loans and leases to total assets | 72.2226% | 2,339 |
Net loans and leases to deposits | 90.4255% | 1,783 |
Net loans and leases to core deposits | 94.6837% | 2,621 |
Total domestic deposits to total assets | 79.8697% | 5,766 |
Equity capital to assets | 10.2326% | 3,728 |
Core capital (leverage) ratio | 10.0791% | 3,088 |
Tier 1 risk-based capital ratio | 14.1521% | 3,635 |
Total risk-based capital ratio | 15.4018% | 3,590 |
Memoranda: | ||
Average total assets | $222,088,670 | 2,909 |
Average earning assets | $201,624,330 | 2,927 |
Average equity | $22,452,330 | 2,864 |
Average total loans | $162,393,000 | 2,659 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0229% | 933 |
Cost of funding earning assets | 1.6162% | 2,860 |
Net interest margin | 4.4068% | 1,371 |
Noninterest income to average assets | 1.0882% | 1,068 |
Noninterest expense to average assets | 2.7478% | 4,696 |
Loan and lease loss provision to assets | 0.1947% | 4,553 |
Net operating income to assets | 2.1400% | 279 |
Return on assets (ROA) | 2.1127% | 315 |
Pretax return on assets | 2.1127% | 495 |
Return on Equity (ROE) | 21.0302% | 330 |
Retained earnings to average equity (ytd only) | 11.5567% | 821 |
Net charge-offs to loans | 0.1121% | 4,312 |
Credit loss provision to net charge-offs | 237.7778% | 1,612 |
Earnings coverage of net charge-offs (x) | 28.5111% | 901 |
Efficiency ratio | 54.0637% | 6,967 |
Assets per employee ($millions) | 3.1111% | 5,976 |
Cash dividends to net income (ytd only)* | 45.0474% | 1,613 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5076% | 3,872 |
Loan loss allowance to noncurrent loans | 732.8267% | 432 |
Noncurrent assets plus other real estate owned to assets | 0.2112% | 6,934 |
Noncurrent loans to loans | 0.2057% | 6,926 |
Net loans and leases to total assets | 70.3168% | 2,857 |
Net loans and leases to deposits | 87.9948% | 2,229 |
Net loans and leases to core deposits | 91.9750% | 3,107 |
Total domestic deposits to total assets | 79.9102% | 5,814 |
Equity capital to assets | 9.9902% | 3,890 |
Core capital (leverage) ratio | 10.0480% | 3,104 |
Tier 1 risk-based capital ratio | 14.1258% | 3,581 |
Total risk-based capital ratio | 15.3804% | 3,540 |
Memoranda: | ||
Average total assets | $219,809,000 | 2,990 |
Average earning assets | $199,238,500 | 3,010 |
Average equity | $22,082,500 | 2,935 |
Average total loans | $160,506,500 | 2,755 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3405% | 953 |
Cost of funding earning assets | 1.9590% | 3,164 |
Net interest margin | 4.3815% | 1,487 |
Noninterest income to average assets | 0.8159% | 2,326 |
Noninterest expense to average assets | 3.3887% | 2,720 |
Loan and lease loss provision to assets | 0.1615% | 6,070 |
Net operating income to assets | 1.2663% | 1,096 |
Return on assets (ROA) | 1.0051% | 1,871 |
Pretax return on assets | 1.0051% | 2,577 |
Return on Equity (ROE) | 11.5104% | 1,286 |
Retained earnings to average equity (ytd only) | 2.0082% | 3,696 |
Net charge-offs to loans | 0.1683% | 5,606 |
Credit loss provision to net charge-offs | 131.0861% | 3,868 |
Earnings coverage of net charge-offs (x) | 11.5880% | 1,580 |
Efficiency ratio | 70.3555% | 4,547 |
Assets per employee ($millions) | 3.0803% | 6,032 |
Cash dividends to net income (ytd only)* | 82.5528% | 1,101 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4582% | 3,936 |
Loan loss allowance to noncurrent loans | 631.4516% | 541 |
Noncurrent assets plus other real estate owned to assets | 0.2500% | 6,829 |
Noncurrent loans to loans | 0.2309% | 6,851 |
Net loans and leases to total assets | 73.6225% | 2,356 |
Net loans and leases to deposits | 91.4498% | 1,976 |
Net loans and leases to core deposits | 120.1032% | 1,943 |
Total domestic deposits to total assets | 80.5059% | 5,511 |
Equity capital to assets | 10.1044% | 3,612 |
Core capital (leverage) ratio | 9.9555% | 3,135 |
Tier 1 risk-based capital ratio | 13.7475% | 3,659 |
Total risk-based capital ratio | 14.9683% | 3,613 |
Memoranda: | ||
Average total assets | $216,689,400 | 2,989 |
Average earning assets | $197,855,000 | 2,999 |
Average equity | $18,922,000 | 3,351 |
Average total loans | $158,636,800 | 2,783 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3437% | 1,041 |
Cost of funding earning assets | 2.0339% | 3,193 |
Net interest margin | 4.3098% | 1,704 |
Noninterest income to average assets | 0.8155% | 2,357 |
Noninterest expense to average assets | 3.1391% | 3,502 |
Loan and lease loss provision to assets | 0.1229% | 6,129 |
Net operating income to assets | 1.5044% | 803 |
Return on assets (ROA) | 1.5044% | 864 |
Pretax return on assets | 1.5044% | 1,404 |
Return on Equity (ROE) | 17.9280% | 462 |
Retained earnings to average equity (ytd only) | 10.7363% | 504 |
Net charge-offs to loans | 0.1578% | 5,130 |
Credit loss provision to net charge-offs | 106.9519% | 4,754 |
Earnings coverage of net charge-offs (x) | 14.1603% | 1,619 |
Efficiency ratio | 65.8587% | 5,391 |
Assets per employee ($millions) | 3.3487% | 5,261 |
Cash dividends to net income (ytd only)* | 40.1143% | 2,435 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4100% | 3,885 |
Loan loss allowance to noncurrent loans | 582.8645% | 562 |
Noncurrent assets plus other real estate owned to assets | 0.2334% | 6,932 |
Noncurrent loans to loans | 0.2419% | 6,896 |
Net loans and leases to total assets | 73.2079% | 2,735 |
Net loans and leases to deposits | 90.7811% | 2,435 |
Net loans and leases to core deposits | 118.4717% | 2,376 |
Total domestic deposits to total assets | 80.6423% | 5,210 |
Equity capital to assets | 9.8569% | 4,270 |
Core capital (leverage) ratio | 9.7792% | 3,544 |
Tier 1 risk-based capital ratio | 13.5125% | 3,841 |
Total risk-based capital ratio | 14.7668% | 3,773 |
Memoranda: | ||
Average total assets | $216,957,000 | 3,000 |
Average earning assets | $198,891,750 | 3,000 |
Average equity | $18,205,750 | 3,498 |
Average total loans | $158,022,750 | 2,829 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3629% | 1,073 |
Cost of funding earning assets | 2.1139% | 3,205 |
Net interest margin | 4.2490% | 1,821 |
Noninterest income to average assets | 0.7678% | 2,601 |
Noninterest expense to average assets | 3.3592% | 2,759 |
Loan and lease loss provision to assets | 0.1846% | 5,179 |
Net operating income to assets | 1.1120% | 1,731 |
Return on assets (ROA) | 1.1120% | 1,809 |
Pretax return on assets | 1.1120% | 2,594 |
Return on Equity (ROE) | 14.0749% | 976 |
Retained earnings to average equity (ytd only) | 7.1601% | 1,521 |
Net charge-offs to loans | 0.1939% | 4,329 |
Credit loss provision to net charge-offs | 131.5789% | 3,543 |
Earnings coverage of net charge-offs (x) | 9.2434% | 2,159 |
Efficiency ratio | 72.1506% | 4,382 |
Assets per employee ($millions) | 3.5339% | 4,720 |
Cash dividends to net income (ytd only)* | 49.1286% | 2,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4663% | 3,380 |
Loan loss allowance to noncurrent loans | 1,107.1770% | 320 |
Noncurrent assets plus other real estate owned to assets | 0.1512% | 7,187 |
Noncurrent loans to loans | 0.1324% | 7,186 |
Net loans and leases to total assets | 72.1339% | 3,184 |
Net loans and leases to deposits | 88.9181% | 3,010 |
Net loans and leases to core deposits | 114.3383% | 2,874 |
Total domestic deposits to total assets | 81.1240% | 5,029 |
Equity capital to assets | 9.5083% | 4,602 |
Core capital (leverage) ratio | 9.2899% | 4,178 |
Tier 1 risk-based capital ratio | 13.1990% | 4,002 |
Total risk-based capital ratio | 14.4535% | 3,917 |
Memoranda: | ||
Average total assets | $216,721,000 | 3,022 |
Average earning assets | $198,305,000 | 3,025 |
Average equity | $17,122,670 | 3,686 |
Average total loans | $156,821,330 | 2,876 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3845% | 1,100 |
Cost of funding earning assets | 2.1818% | 3,255 |
Net interest margin | 4.2027% | 1,890 |
Noninterest income to average assets | 0.6811% | 2,998 |
Noninterest expense to average assets | 2.4704% | 5,956 |
Loan and lease loss provision to assets | 0.2761% | 3,752 |
Net operating income to assets | 1.7782% | 552 |
Return on assets (ROA) | 1.7782% | 608 |
Pretax return on assets | 1.7782% | 1,021 |
Return on Equity (ROE) | 25.0332% | 186 |
Retained earnings to average equity (ytd only) | 17.9845% | 231 |
Net charge-offs to loans | -0.1075% | 7,895 |
Credit loss provision to net charge-offs | -357.1429% | 6,347 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.5972% | 7,159 |
Assets per employee ($millions) | 3.6545% | 4,438 |
Cash dividends to net income (ytd only)* | 28.1573% | 2,372 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5745% | 2,630 |
Loan loss allowance to noncurrent loans | 2,048.3333% | 231 |
Noncurrent assets plus other real estate owned to assets | 0.1683% | 7,048 |
Noncurrent loans to loans | 0.0769% | 7,305 |
Net loans and leases to total assets | 70.0751% | 3,650 |
Net loans and leases to deposits | 84.1894% | 3,954 |
Net loans and leases to core deposits | 107.6747% | 3,725 |
Total domestic deposits to total assets | 83.2350% | 4,026 |
Equity capital to assets | 7.1892% | 7,570 |
Core capital (leverage) ratio | 7.1477% | 7,527 |
Tier 1 risk-based capital ratio | 10.1841% | 6,731 |
Total risk-based capital ratio | 11.4375% | 6,641 |
Memoranda: | ||
Average total assets | $217,296,500 | 3,027 |
Average earning assets | $198,731,000 | 3,030 |
Average equity | $15,435,500 | 4,050 |
Average total loans | $156,325,500 | 2,908 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9465% | 1,264 |
Cost of funding earning assets | 2.8347% | 2,557 |
Net interest margin | 4.1118% | 2,658 |
Noninterest income to average assets | 0.7781% | 2,627 |
Noninterest expense to average assets | 2.6020% | 5,644 |
Loan and lease loss provision to assets | 0.3061% | 3,923 |
Net operating income to assets | 1.5652% | 894 |
Return on assets (ROA) | 1.5652% | 867 |
Pretax return on assets | 1.5762% | 1,458 |
Return on Equity (ROE) | 20.6125% | 327 |
Retained earnings to average equity (ytd only) | 11.9768% | 227 |
Net charge-offs to loans | 0.1712% | 4,494 |
Credit loss provision to net charge-offs | 242.2925% | 1,927 |
Earnings coverage of net charge-offs (x) | 14.8972% | 1,990 |
Efficiency ratio | 58.0243% | 6,694 |
Assets per employee ($millions) | 3.3126% | 5,181 |
Cash dividends to net income (ytd only)* | 41.8953% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4476% | 2,938 |
Loan loss allowance to noncurrent loans | 1,842.2764% | 317 |
Noncurrent assets plus other real estate owned to assets | 0.0920% | 7,211 |
Noncurrent loans to loans | 0.0786% | 7,188 |
Net loans and leases to total assets | 71.6474% | 3,664 |
Net loans and leases to deposits | 86.1143% | 4,105 |
Net loans and leases to core deposits | 110.1133% | 3,771 |
Total domestic deposits to total assets | 83.2004% | 3,684 |
Equity capital to assets | 7.0160% | 7,727 |
Core capital (leverage) ratio | 7.1551% | 7,563 |
Tier 1 risk-based capital ratio | 9.9470% | 6,800 |
Total risk-based capital ratio | 11.1668% | 6,712 |
Memoranda: | ||
Average total assets | $200,230,800 | 3,139 |
Average earning assets | $180,478,600 | 3,179 |
Average equity | $15,204,400 | 4,098 |
Average total loans | $147,801,000 | 2,966 |