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SouthStar Bank, S.S.B., 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 | 6.0517% | 598 |
Cost of funding earning assets | 1.6004% | 1,694 |
Net interest margin | 4.4512% | 657 |
Noninterest income to average assets | 0.3200% | 2,981 |
Noninterest expense to average assets | 2.7156% | 1,697 |
Loan and lease loss provision to assets | 0.0300% | 2,526 |
Net operating income to assets | 1.3876% | 1,235 |
Return on assets (ROA) | 1.3883% | 1,206 |
Pretax return on assets | 1.7468% | 969 |
Return on Equity (ROE) | 13.3400% | 1,645 |
Retained earnings to average equity (ytd only) | 11.0866% | 776 |
Net charge-offs to loans | -0.0026% | 3,721 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 59.8350% | 3,096 |
Assets per employee ($millions) | 7.7828% | 1,546 |
Cash dividends to net income (ytd only)* | 16.8961% | 3,044 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7638% | 4,037 |
Loan loss allowance to noncurrent loans | 138.4115% | 2,944 |
Noncurrent assets plus other real estate owned to assets | 0.4179% | 1,328 |
Noncurrent loans to loans | 0.5519% | 1,420 |
Net loans and leases to total assets | 75.1500% | 1,219 |
Net loans and leases to deposits | 98.4374% | 621 |
Net loans and leases to core deposits | 115.2226% | 774 |
Total domestic deposits to total assets | 76.3400% | 3,914 |
Equity capital to assets | 10.9647% | 1,498 |
Core capital (leverage) ratio | 11.6853% | 1,564 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.3918% | 1,014 |
Memoranda: | ||
Average total assets | $1,193,260,200 | 859 |
Average earning assets | $1,118,652,200 | 843 |
Average equity | $124,176,600 | 799 |
Average total loans | $894,778,000 | 795 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9396% | 572 |
Cost of funding earning assets | 1.4537% | 1,725 |
Net interest margin | 4.4859% | 630 |
Noninterest income to average assets | 0.3300% | 2,912 |
Noninterest expense to average assets | 2.6992% | 1,659 |
Loan and lease loss provision to assets | 0.0400% | 2,145 |
Net operating income to assets | 1.4302% | 1,255 |
Return on assets (ROA) | 1.4312% | 1,236 |
Pretax return on assets | 1.8015% | 1,008 |
Return on Equity (ROE) | 13.9400% | 1,669 |
Retained earnings to average equity (ytd only) | 11.9761% | 972 |
Net charge-offs to loans | -0.0035% | 3,665 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 58.8475% | 3,105 |
Assets per employee ($millions) | 8.0517% | 1,325 |
Cash dividends to net income (ytd only)* | 14.1143% | 2,669 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7440% | 4,080 |
Loan loss allowance to noncurrent loans | 2,372.2973% | 456 |
Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,573 |
Noncurrent loans to loans | 0.0314% | 3,547 |
Net loans and leases to total assets | 76.0400% | 1,116 |
Net loans and leases to deposits | 99.5835% | 532 |
Net loans and leases to core deposits | 117.3883% | 627 |
Total domestic deposits to total assets | 76.3600% | 3,987 |
Equity capital to assets | 10.1288% | 1,756 |
Core capital (leverage) ratio | 11.2484% | 1,825 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.2819% | 1,249 |
Memoranda: | ||
Average total assets | $1,188,047,250 | 865 |
Average earning assets | $1,113,741,500 | 850 |
Average equity | $121,939,750 | 807 |
Average total loans | $888,610,250 | 804 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6769% | 661 |
Cost of funding earning assets | 1.2178% | 1,935 |
Net interest margin | 4.4591% | 642 |
Noninterest income to average assets | 0.3500% | 2,761 |
Noninterest expense to average assets | 2.6860% | 1,672 |
Loan and lease loss provision to assets | 0.0500% | 1,895 |
Net operating income to assets | 1.4263% | 1,267 |
Return on assets (ROA) | 1.4264% | 1,250 |
Pretax return on assets | 1.7946% | 1,021 |
Return on Equity (ROE) | 13.8300% | 1,718 |
Retained earnings to average equity (ytd only) | 11.8502% | 1,016 |
Net charge-offs to loans | -0.0046% | 3,695 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 58.6583% | 3,114 |
Assets per employee ($millions) | 8.0138% | 1,309 |
Cash dividends to net income (ytd only)* | 14.3386% | 2,611 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7189% | 4,154 |
Loan loss allowance to noncurrent loans | 812.0567% | 1,102 |
Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,092 |
Noncurrent loans to loans | 0.0885% | 3,059 |
Net loans and leases to total assets | 75.8900% | 1,064 |
Net loans and leases to deposits | 104.7814% | 342 |
Net loans and leases to core deposits | 117.4469% | 590 |
Total domestic deposits to total assets | 72.4300% | 4,276 |
Equity capital to assets | 9.8874% | 1,921 |
Core capital (leverage) ratio | 11.3911% | 1,685 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.4412% | 1,443 |
Memoranda: | ||
Average total assets | $1,173,426,333 | 862 |
Average earning assets | $1,100,357,333 | 844 |
Average equity | $120,993,667 | 807 |
Average total loans | $870,223,333 | 798 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4851% | 636 |
Cost of funding earning assets | 0.8967% | 2,380 |
Net interest margin | 4.5884% | 512 |
Noninterest income to average assets | 0.2900% | 3,144 |
Noninterest expense to average assets | 2.7445% | 1,558 |
Loan and lease loss provision to assets | 0.0500% | 1,764 |
Net operating income to assets | 1.4298% | 1,327 |
Return on assets (ROA) | 1.4315% | 1,294 |
Pretax return on assets | 1.7973% | 1,071 |
Return on Equity (ROE) | 13.5800% | 1,864 |
Retained earnings to average equity (ytd only) | 11.5702% | 1,347 |
Net charge-offs to loans | 0.0010% | 2,025 |
Credit loss provision to net charge-offs | 6,750.0000% | 72 |
Earnings coverage of net charge-offs (x) | 2,614.5000% | 29 |
Efficiency ratio | 59.1457% | 3,058 |
Assets per employee ($millions) | 7.5586% | 1,585 |
Cash dividends to net income (ytd only)* | 14.7710% | 2,092 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7591% | 4,162 |
Loan loss allowance to noncurrent loans | 752.1387% | 1,220 |
Noncurrent assets plus other real estate owned to assets | 0.0743% | 3,055 |
Noncurrent loans to loans | 0.1009% | 3,032 |
Net loans and leases to total assets | 73.0700% | 1,314 |
Net loans and leases to deposits | 95.4951% | 683 |
Net loans and leases to core deposits | 105.6076% | 849 |
Total domestic deposits to total assets | 76.5200% | 4,125 |
Equity capital to assets | 10.4958% | 1,561 |
Core capital (leverage) ratio | 11.9258% | 1,324 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.2423% | 1,319 |
Memoranda: | ||
Average total assets | $1,135,066,500 | 899 |
Average earning assets | $1,063,463,000 | 884 |
Average equity | $119,687,000 | 821 |
Average total loans | $827,538,000 | 842 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8358% | 404 |
Cost of funding earning assets | 0.3860% | 2,212 |
Net interest margin | 4.4498% | 323 |
Noninterest income to average assets | 0.3800% | 2,814 |
Noninterest expense to average assets | 2.8195% | 1,277 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 1.3865% | 1,167 |
Return on assets (ROA) | 1.3865% | 1,113 |
Pretax return on assets | 1.7353% | 850 |
Return on Equity (ROE) | 13.7200% | 1,598 |
Retained earnings to average equity (ytd only) | 11.9833% | 669 |
Net charge-offs to loans | 0.0019% | 2,472 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 1,318.4667% | 134 |
Efficiency ratio | 61.2202% | 2,879 |
Assets per employee ($millions) | 6.7860% | 2,131 |
Cash dividends to net income (ytd only)* | 12.6440% | 3,158 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7986% | 4,031 |
Loan loss allowance to noncurrent loans | 1,136.0071% | 897 |
Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,296 |
Noncurrent loans to loans | 0.0703% | 3,249 |
Net loans and leases to total assets | 71.5700% | 1,465 |
Net loans and leases to deposits | 87.9543% | 1,177 |
Net loans and leases to core deposits | 96.1815% | 1,199 |
Total domestic deposits to total assets | 81.3700% | 3,709 |
Equity capital to assets | 10.5957% | 1,408 |
Core capital (leverage) ratio | 11.9203% | 1,308 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.5978% | 1,212 |
Memoranda: | ||
Average total assets | $1,139,713,200 | 881 |
Average earning assets | $1,068,054,400 | 867 |
Average equity | $115,193,400 | 843 |
Average total loans | $806,350,600 | 817 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7155% | 343 |
Cost of funding earning assets | 0.3462% | 1,736 |
Net interest margin | 4.3692% | 296 |
Noninterest income to average assets | 0.4100% | 2,683 |
Noninterest expense to average assets | 2.7854% | 1,274 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.3730% | 1,161 |
Return on assets (ROA) | 1.3728% | 1,137 |
Pretax return on assets | 1.7207% | 866 |
Return on Equity (ROE) | 13.7400% | 1,499 |
Retained earnings to average equity (ytd only) | 11.9994% | 788 |
Net charge-offs to loans | 0.0035% | 2,094 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 705.7143% | 230 |
Efficiency ratio | 61.1236% | 2,950 |
Assets per employee ($millions) | 6.7200% | 2,148 |
Cash dividends to net income (ytd only)* | 12.6808% | 2,750 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8217% | 4,040 |
Loan loss allowance to noncurrent loans | 1,371.9828% | 764 |
Noncurrent assets plus other real estate owned to assets | 0.0421% | 3,485 |
Noncurrent loans to loans | 0.0599% | 3,450 |
Net loans and leases to total assets | 69.7200% | 1,500 |
Net loans and leases to deposits | 82.2444% | 1,428 |
Net loans and leases to core deposits | 89.8189% | 1,306 |
Total domestic deposits to total assets | 84.7700% | 3,338 |
Equity capital to assets | 10.2191% | 1,509 |
Core capital (leverage) ratio | 11.0685% | 1,680 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.3054% | 1,338 |
Memoranda: | ||
Average total assets | $1,148,112,750 | 883 |
Average earning assets | $1,076,318,750 | 871 |
Average equity | $114,691,500 | 865 |
Average total loans | $808,429,500 | 814 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5423% | 351 |
Cost of funding earning assets | 0.3295% | 1,445 |
Net interest margin | 4.2128% | 330 |
Noninterest income to average assets | 0.4378% | 2,520 |
Noninterest expense to average assets | 2.7451% | 1,283 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.3115% | 1,105 |
Return on assets (ROA) | 1.3109% | 1,090 |
Pretax return on assets | 1.6441% | 860 |
Return on Equity (ROE) | 13.2189% | 1,317 |
Retained earnings to average equity (ytd only) | 11.4872% | 701 |
Net charge-offs to loans | 0.0041% | 1,868 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | 562.8235% | 232 |
Efficiency ratio | 61.8397% | 3,062 |
Assets per employee ($millions) | 6.7389% | 2,134 |
Cash dividends to net income (ytd only)* | 13.0999% | 2,699 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7886% | 4,192 |
Loan loss allowance to noncurrent loans | 2,227.6224% | 514 |
Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,479 |
Noncurrent loans to loans | 0.0354% | 3,684 |
Net loans and leases to total assets | 69.1513% | 1,384 |
Net loans and leases to deposits | 81.0051% | 1,314 |
Net loans and leases to core deposits | 90.0384% | 1,118 |
Total domestic deposits to total assets | 85.3666% | 3,401 |
Equity capital to assets | 9.6294% | 1,919 |
Core capital (leverage) ratio | 10.4682% | 1,969 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0093% | 1,703 |
Memoranda: | ||
Average total assets | $1,163,454,333 | 874 |
Average earning assets | $1,091,435,333 | 864 |
Average equity | $115,380,667 | 866 |
Average total loans | $819,653,333 | 796 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4557% | 346 |
Cost of funding earning assets | 0.3384% | 1,302 |
Net interest margin | 4.1173% | 325 |
Noninterest income to average assets | 0.3977% | 2,704 |
Noninterest expense to average assets | 2.6890% | 1,394 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 1.2587% | 1,097 |
Return on assets (ROA) | 1.2601% | 1,077 |
Pretax return on assets | 1.5809% | 860 |
Return on Equity (ROE) | 12.5256% | 1,150 |
Retained earnings to average equity (ytd only) | 10.8200% | 815 |
Net charge-offs to loans | -0.0005% | 2,977 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.2849% | 3,231 |
Assets per employee ($millions) | 6.8075% | 2,136 |
Cash dividends to net income (ytd only)* | 13.6166% | 2,093 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7975% | 4,248 |
Loan loss allowance to noncurrent loans | 1,435.7303% | 689 |
Noncurrent assets plus other real estate owned to assets | 0.2118% | 2,369 |
Noncurrent loans to loans | 0.0555% | 3,584 |
Net loans and leases to total assets | 67.8786% | 1,223 |
Net loans and leases to deposits | 79.5416% | 1,175 |
Net loans and leases to core deposits | 89.0430% | 966 |
Total domestic deposits to total assets | 85.3372% | 3,459 |
Equity capital to assets | 9.8852% | 1,981 |
Core capital (leverage) ratio | 10.2144% | 2,092 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9063% | 1,832 |
Memoranda: | ||
Average total assets | $1,165,634,500 | 875 |
Average earning assets | $1,095,754,000 | 871 |
Average equity | $117,264,000 | 878 |
Average total loans | $825,530,500 | 778 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7419% | 396 |
Cost of funding earning assets | 0.4296% | 1,335 |
Net interest margin | 4.3123% | 395 |
Noninterest income to average assets | 0.5349% | 2,416 |
Noninterest expense to average assets | 2.8295% | 1,290 |
Loan and lease loss provision to assets | 0.0404% | 2,235 |
Net operating income to assets | 1.3766% | 1,351 |
Return on assets (ROA) | 1.3782% | 1,402 |
Pretax return on assets | 1.7147% | 1,113 |
Return on Equity (ROE) | 13.5049% | 1,306 |
Retained earnings to average equity (ytd only) | 11.7326% | 577 |
Net charge-offs to loans | 0.0543% | 1,251 |
Credit loss provision to net charge-offs | 95.7082% | 1,844 |
Earnings coverage of net charge-offs (x) | 41.5579% | 1,413 |
Efficiency ratio | 61.5116% | 2,934 |
Assets per employee ($millions) | 6.9484% | 1,963 |
Cash dividends to net income (ytd only)* | 13.1232% | 3,259 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7516% | 4,343 |
Loan loss allowance to noncurrent loans | 222.4234% | 2,443 |
Noncurrent assets plus other real estate owned to assets | 0.4212% | 1,557 |
Noncurrent loans to loans | 0.3379% | 2,373 |
Net loans and leases to total assets | 72.6917% | 788 |
Net loans and leases to deposits | 85.6371% | 815 |
Net loans and leases to core deposits | 96.2938% | 678 |
Total domestic deposits to total assets | 84.8835% | 3,307 |
Equity capital to assets | 10.2366% | 2,432 |
Core capital (leverage) ratio | 10.1464% | 2,225 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8651% | 2,291 |
Memoranda: | ||
Average total assets | $1,104,676,600 | 886 |
Average earning assets | $1,036,903,600 | 875 |
Average equity | $112,737,000 | 920 |
Average total loans | $858,531,000 | 757 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7971% | 412 |
Cost of funding earning assets | 0.4532% | 1,330 |
Net interest margin | 4.3439% | 412 |
Noninterest income to average assets | 0.5110% | 2,577 |
Noninterest expense to average assets | 2.7913% | 1,361 |
Loan and lease loss provision to assets | 0.0179% | 2,648 |
Net operating income to assets | 1.4205% | 1,474 |
Return on assets (ROA) | 1.4219% | 1,535 |
Pretax return on assets | 1.7770% | 1,216 |
Return on Equity (ROE) | 13.9437% | 1,407 |
Retained earnings to average equity (ytd only) | 12.1468% | 809 |
Net charge-offs to loans | -0.0056% | 3,470 |
Credit loss provision to net charge-offs | -405.5556% | 3,591 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.8068% | 2,862 |
Assets per employee ($millions) | 6.6889% | 2,106 |
Cash dividends to net income (ytd only)* | 12.8869% | 2,857 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7570% | 4,412 |
Loan loss allowance to noncurrent loans | 138.4454% | 3,022 |
Noncurrent assets plus other real estate owned to assets | 0.6262% | 1,216 |
Noncurrent loans to loans | 0.5468% | 1,952 |
Net loans and leases to total assets | 76.4264% | 517 |
Net loans and leases to deposits | 90.4652% | 583 |
Net loans and leases to core deposits | 102.3356% | 513 |
Total domestic deposits to total assets | 84.4816% | 3,307 |
Equity capital to assets | 10.2801% | 2,629 |
Core capital (leverage) ratio | 10.4808% | 2,070 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5438% | 2,534 |
Memoranda: | ||
Average total assets | $1,090,749,500 | 902 |
Average earning assets | $1,022,832,250 | 895 |
Average equity | $111,225,250 | 943 |
Average total loans | $860,690,750 | 768 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8023% | 461 |
Cost of funding earning assets | 0.4848% | 1,293 |
Net interest margin | 4.3175% | 478 |
Noninterest income to average assets | 0.5472% | 2,417 |
Noninterest expense to average assets | 2.8059% | 1,341 |
Loan and lease loss provision to assets | 0.0271% | 2,437 |
Net operating income to assets | 1.4109% | 1,534 |
Return on assets (ROA) | 1.4127% | 1,594 |
Pretax return on assets | 1.7633% | 1,320 |
Return on Equity (ROE) | 13.8932% | 1,445 |
Retained earnings to average equity (ytd only) | 12.0696% | 899 |
Net charge-offs to loans | -0.0072% | 3,551 |
Credit loss provision to net charge-offs | -470.9677% | 3,450 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.0763% | 2,861 |
Assets per employee ($millions) | 6.6005% | 2,094 |
Cash dividends to net income (ytd only)* | 13.1257% | 2,769 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8167% | 4,340 |
Loan loss allowance to noncurrent loans | 199.0931% | 2,469 |
Noncurrent assets plus other real estate owned to assets | 0.5704% | 1,459 |
Noncurrent loans to loans | 0.4102% | 2,451 |
Net loans and leases to total assets | 75.2664% | 655 |
Net loans and leases to deposits | 89.8641% | 660 |
Net loans and leases to core deposits | 102.9269% | 566 |
Total domestic deposits to total assets | 83.7558% | 3,507 |
Equity capital to assets | 10.5872% | 2,323 |
Core capital (leverage) ratio | 10.3969% | 2,036 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6985% | 2,088 |
Memoranda: | ||
Average total assets | $1,077,526,333 | 909 |
Average earning assets | $1,009,975,667 | 903 |
Average equity | $109,564,333 | 950 |
Average total loans | $857,411,333 | 770 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8302% | 468 |
Cost of funding earning assets | 0.5036% | 1,374 |
Net interest margin | 4.3267% | 493 |
Noninterest income to average assets | 0.5862% | 2,266 |
Noninterest expense to average assets | 2.8318% | 1,301 |
Loan and lease loss provision to assets | 0.0538% | 2,030 |
Net operating income to assets | 1.4014% | 1,571 |
Return on assets (ROA) | 1.4028% | 1,639 |
Pretax return on assets | 1.7505% | 1,392 |
Return on Equity (ROE) | 14.0805% | 1,413 |
Retained earnings to average equity (ytd only) | 12.2303% | 1,091 |
Net charge-offs to loans | -0.0181% | 3,945 |
Credit loss provision to net charge-offs | -365.0000% | 3,094 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.1058% | 2,895 |
Assets per employee ($millions) | 6.5177% | 2,162 |
Cash dividends to net income (ytd only)* | 13.1406% | 2,185 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8048% | 4,401 |
Loan loss allowance to noncurrent loans | 193.3724% | 2,427 |
Noncurrent assets plus other real estate owned to assets | 0.5873% | 1,620 |
Noncurrent loans to loans | 0.4162% | 2,606 |
Net loans and leases to total assets | 77.4534% | 499 |
Net loans and leases to deposits | 93.5230% | 519 |
Net loans and leases to core deposits | 106.5249% | 493 |
Total domestic deposits to total assets | 82.8175% | 3,734 |
Equity capital to assets | 10.4504% | 2,314 |
Core capital (leverage) ratio | 10.2323% | 2,302 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2861% | 2,169 |
Memoranda: | ||
Average total assets | $1,084,951,000 | 895 |
Average earning assets | $1,015,103,000 | 879 |
Average equity | $108,092,500 | 949 |
Average total loans | $882,904,500 | 748 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1080% | 404 |
Cost of funding earning assets | 0.6525% | 1,976 |
Net interest margin | 4.4555% | 357 |
Noninterest income to average assets | 0.5693% | 2,338 |
Noninterest expense to average assets | 2.8921% | 1,706 |
Loan and lease loss provision to assets | 0.2564% | 1,517 |
Net operating income to assets | 1.2473% | 1,390 |
Return on assets (ROA) | 1.3231% | 1,291 |
Pretax return on assets | 1.6543% | 945 |
Return on Equity (ROE) | 13.2763% | 972 |
Retained earnings to average equity (ytd only) | 12.0680% | 306 |
Net charge-offs to loans | 0.0086% | 3,022 |
Credit loss provision to net charge-offs | 3,598.5915% | 286 |
Earnings coverage of net charge-offs (x) | 254.8592% | 397 |
Efficiency ratio | 61.4302% | 3,236 |
Assets per employee ($millions) | 7.0035% | 1,586 |
Cash dividends to net income (ytd only)* | 9.1013% | 3,570 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6770% | 4,623 |
Loan loss allowance to noncurrent loans | 146.8714% | 2,828 |
Noncurrent assets plus other real estate owned to assets | 0.6350% | 1,654 |
Noncurrent loans to loans | 0.4610% | 2,584 |
Net loans and leases to total assets | 83.8917% | 179 |
Net loans and leases to deposits | 117.1547% | 90 |
Net loans and leases to core deposits | 139.1410% | 122 |
Total domestic deposits to total assets | 71.6076% | 4,730 |
Equity capital to assets | 9.5064% | 3,606 |
Core capital (leverage) ratio | 9.6001% | 3,011 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.1967% | 2,870 |
Memoranda: | ||
Average total assets | $996,494,400 | 886 |
Average earning assets | $925,645,800 | 885 |
Average equity | $99,312,400 | 963 |
Average total loans | $820,831,600 | 770 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0977% | 505 |
Cost of funding earning assets | 0.6996% | 2,026 |
Net interest margin | 4.3981% | 473 |
Noninterest income to average assets | 0.5282% | 2,483 |
Noninterest expense to average assets | 2.9035% | 1,696 |
Loan and lease loss provision to assets | 0.2561% | 1,584 |
Net operating income to assets | 1.1596% | 1,787 |
Return on assets (ROA) | 1.2434% | 1,624 |
Pretax return on assets | 1.5548% | 1,313 |
Return on Equity (ROE) | 12.3117% | 1,298 |
Retained earnings to average equity (ytd only) | 11.2178% | 534 |
Net charge-offs to loans | -0.0150% | 4,331 |
Credit loss provision to net charge-offs | -2,084.2697% | 4,083 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.9868% | 2,917 |
Assets per employee ($millions) | 6.8489% | 1,592 |
Cash dividends to net income (ytd only)* | 8.8849% | 3,161 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6318% | 4,684 |
Loan loss allowance to noncurrent loans | 173.6095% | 2,450 |
Noncurrent assets plus other real estate owned to assets | 0.6164% | 1,887 |
Noncurrent loans to loans | 0.3639% | 2,981 |
Net loans and leases to total assets | 84.2185% | 261 |
Net loans and leases to deposits | 124.0339% | 84 |
Net loans and leases to core deposits | 146.8646% | 131 |
Total domestic deposits to total assets | 67.8996% | 4,814 |
Equity capital to assets | 9.3852% | 3,777 |
Core capital (leverage) ratio | 9.7002% | 3,035 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.1486% | 2,885 |
Memoranda: | ||
Average total assets | $965,479,000 | 901 |
Average earning assets | $895,971,500 | 890 |
Average equity | $97,509,500 | 972 |
Average total loans | $789,424,250 | 791 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1101% | 675 |
Cost of funding earning assets | 0.7528% | 2,104 |
Net interest margin | 4.3573% | 665 |
Noninterest income to average assets | 0.4965% | 2,588 |
Noninterest expense to average assets | 2.9535% | 1,710 |
Loan and lease loss provision to assets | 0.3633% | 1,157 |
Net operating income to assets | 0.9693% | 2,426 |
Return on assets (ROA) | 1.0390% | 2,323 |
Pretax return on assets | 1.2971% | 2,037 |
Return on Equity (ROE) | 10.0072% | 1,980 |
Retained earnings to average equity (ytd only) | 9.1716% | 964 |
Net charge-offs to loans | 0.0048% | 2,797 |
Credit loss provision to net charge-offs | 9,305.5556% | 127 |
Earnings coverage of net charge-offs (x) | 402.9444% | 252 |
Efficiency ratio | 65.2451% | 2,624 |
Assets per employee ($millions) | 6.5943% | 1,711 |
Cash dividends to net income (ytd only)* | 8.3507% | 3,065 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6414% | 4,685 |
Loan loss allowance to noncurrent loans | 167.1159% | 2,421 |
Noncurrent assets plus other real estate owned to assets | 0.6364% | 1,908 |
Noncurrent loans to loans | 0.3838% | 3,035 |
Net loans and leases to total assets | 83.4956% | 296 |
Net loans and leases to deposits | 121.6782% | 85 |
Net loans and leases to core deposits | 140.2660% | 165 |
Total domestic deposits to total assets | 68.6200% | 4,828 |
Equity capital to assets | 9.5436% | 3,620 |
Core capital (leverage) ratio | 10.0465% | 2,793 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.4388% | 2,841 |
Memoranda: | ||
Average total assets | $922,029,333 | 923 |
Average earning assets | $852,817,333 | 918 |
Average equity | $95,730,667 | 977 |
Average total loans | $742,979,667 | 817 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0991% | 797 |
Cost of funding earning assets | 0.8301% | 2,224 |
Net interest margin | 4.2690% | 811 |
Noninterest income to average assets | 0.4165% | 2,993 |
Noninterest expense to average assets | 3.0590% | 1,744 |
Loan and lease loss provision to assets | 0.0809% | 2,696 |
Net operating income to assets | 0.9701% | 2,283 |
Return on assets (ROA) | 1.0252% | 2,194 |
Pretax return on assets | 1.2794% | 1,932 |
Return on Equity (ROE) | 9.4189% | 1,945 |
Retained earnings to average equity (ytd only) | 7.7203% | 1,313 |
Net charge-offs to loans | -0.0041% | 3,803 |
Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.3145% | 2,306 |
Assets per employee ($millions) | 5.8273% | 1,812 |
Cash dividends to net income (ytd only)* | 18.0343% | 2,374 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5597% | 4,819 |
Loan loss allowance to noncurrent loans | 130.0507% | 2,809 |
Noncurrent assets plus other real estate owned to assets | 0.7004% | 1,911 |
Noncurrent loans to loans | 0.4304% | 2,964 |
Net loans and leases to total assets | 79.7587% | 725 |
Net loans and leases to deposits | 113.8066% | 136 |
Net loans and leases to core deposits | 127.0592% | 318 |
Total domestic deposits to total assets | 70.0827% | 4,853 |
Equity capital to assets | 10.3927% | 3,427 |
Core capital (leverage) ratio | 11.6847% | 1,934 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4746% | 2,488 |
Memoranda: | ||
Average total assets | $865,394,000 | 947 |
Average earning assets | $797,471,000 | 944 |
Average equity | $94,193,500 | 987 |
Average total loans | $679,464,500 | 853 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5738% | 496 |
Cost of funding earning assets | 0.9520% | 1,947 |
Net interest margin | 4.6218% | 544 |
Noninterest income to average assets | 0.4985% | 2,753 |
Noninterest expense to average assets | 3.3592% | 1,183 |
Loan and lease loss provision to assets | 0.0142% | 3,729 |
Net operating income to assets | 1.0847% | 2,503 |
Return on assets (ROA) | 1.1226% | 2,458 |
Pretax return on assets | 1.4045% | 2,142 |
Return on Equity (ROE) | 9.7733% | 2,404 |
Retained earnings to average equity (ytd only) | 7.9739% | 987 |
Net charge-offs to loans | -0.0959% | 4,950 |
Credit loss provision to net charge-offs | -19.5730% | 4,122 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.0123% | 2,022 |
Assets per employee ($millions) | 5.2981% | 2,250 |
Cash dividends to net income (ytd only)* | 18.4120% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6277% | 4,691 |
Loan loss allowance to noncurrent loans | 203.5270% | 2,062 |
Noncurrent assets plus other real estate owned to assets | 0.3527% | 2,994 |
Noncurrent loans to loans | 0.3084% | 3,335 |
Net loans and leases to total assets | 76.1363% | 1,389 |
Net loans and leases to deposits | 101.4050% | 508 |
Net loans and leases to core deposits | 112.6152% | 733 |
Total domestic deposits to total assets | 75.0814% | 4,698 |
Equity capital to assets | 11.4359% | 2,585 |
Core capital (leverage) ratio | 11.4273% | 2,165 |
Tier 1 risk-based capital ratio | 14.7175% | 2,897 |
Total risk-based capital ratio | 15.3402% | 3,133 |
Memoranda: | ||
Average total assets | $774,103,200 | 1,001 |
Average earning assets | $708,811,200 | 1,004 |
Average equity | $88,915,400 | 988 |
Average total loans | $585,961,200 | 927 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5135% | 571 |
Cost of funding earning assets | 0.9390% | 2,047 |
Net interest margin | 4.5745% | 647 |
Noninterest income to average assets | 0.4768% | 2,873 |
Noninterest expense to average assets | 3.3077% | 1,249 |
Loan and lease loss provision to assets | 0.0192% | 3,526 |
Net operating income to assets | 1.0637% | 2,718 |
Return on assets (ROA) | 1.1150% | 2,607 |
Pretax return on assets | 1.4022% | 2,309 |
Return on Equity (ROE) | 9.6956% | 2,573 |
Retained earnings to average equity (ytd only) | 7.8737% | 1,453 |
Net charge-offs to loans | -0.1375% | 5,054 |
Credit loss provision to net charge-offs | -18.5185% | 3,973 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.9046% | 1,979 |
Assets per employee ($millions) | 5.5521% | 1,983 |
Cash dividends to net income (ytd only)* | 18.7911% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6003% | 4,822 |
Loan loss allowance to noncurrent loans | 98.7029% | 3,346 |
Noncurrent assets plus other real estate owned to assets | 0.5183% | 2,454 |
Noncurrent loans to loans | 0.6081% | 2,461 |
Net loans and leases to total assets | 76.1419% | 1,451 |
Net loans and leases to deposits | 110.4378% | 214 |
Net loans and leases to core deposits | 123.5826% | 419 |
Total domestic deposits to total assets | 68.9456% | 5,032 |
Equity capital to assets | 10.6149% | 3,452 |
Core capital (leverage) ratio | 11.6168% | 2,130 |
Tier 1 risk-based capital ratio | 13.7301% | 3,464 |
Total risk-based capital ratio | 14.3282% | 3,714 |
Memoranda: | ||
Average total assets | $763,652,250 | 1,014 |
Average earning assets | $699,161,750 | 1,010 |
Average equity | $87,817,750 | 1,001 |
Average total loans | $576,170,250 | 941 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5885% | 478 |
Cost of funding earning assets | 0.9272% | 2,019 |
Net interest margin | 4.6613% | 537 |
Noninterest income to average assets | 0.4846% | 2,758 |
Noninterest expense to average assets | 3.3645% | 1,164 |
Loan and lease loss provision to assets | 0.0301% | 3,216 |
Net operating income to assets | 1.0711% | 2,643 |
Return on assets (ROA) | 1.1004% | 2,591 |
Pretax return on assets | 1.3802% | 2,258 |
Return on Equity (ROE) | 9.2889% | 2,734 |
Retained earnings to average equity (ytd only) | 7.4422% | 1,631 |
Net charge-offs to loans | -0.1768% | 5,112 |
Credit loss provision to net charge-offs | -22.6804% | 3,778 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.0089% | 2,065 |
Assets per employee ($millions) | 5.4814% | 1,985 |
Cash dividends to net income (ytd only)* | 19.8807% | 3,027 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6243% | 4,833 |
Loan loss allowance to noncurrent loans | 107.6686% | 3,211 |
Noncurrent assets plus other real estate owned to assets | 0.5308% | 2,431 |
Noncurrent loans to loans | 0.5798% | 2,520 |
Net loans and leases to total assets | 75.9960% | 1,548 |
Net loans and leases to deposits | 105.0893% | 374 |
Net loans and leases to core deposits | 120.0843% | 546 |
Total domestic deposits to total assets | 72.3156% | 4,957 |
Equity capital to assets | 11.0693% | 2,975 |
Core capital (leverage) ratio | 12.1171% | 1,747 |
Tier 1 risk-based capital ratio | 14.2661% | 3,179 |
Total risk-based capital ratio | 14.8836% | 3,409 |
Memoranda: | ||
Average total assets | $731,345,330 | 1,043 |
Average earning assets | $667,374,000 | 1,048 |
Average equity | $86,640,670 | 1,010 |
Average total loans | $548,489,000 | 985 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6145% | 419 |
Cost of funding earning assets | 0.8773% | 2,113 |
Net interest margin | 4.7372% | 458 |
Noninterest income to average assets | 0.5215% | 2,431 |
Noninterest expense to average assets | 3.4414% | 1,050 |
Loan and lease loss provision to assets | 0.0403% | 2,820 |
Net operating income to assets | 1.0672% | 2,589 |
Return on assets (ROA) | 1.0695% | 2,632 |
Pretax return on assets | 1.3427% | 2,280 |
Return on Equity (ROE) | 8.6968% | 2,948 |
Retained earnings to average equity (ytd only) | 6.8225% | 2,110 |
Net charge-offs to loans | -0.0256% | 4,589 |
Credit loss provision to net charge-offs | -212.1212% | 3,654 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.3756% | 2,135 |
Assets per employee ($millions) | 4.9360% | 2,606 |
Cash dividends to net income (ytd only)* | 21.5517% | 2,430 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6278% | 4,888 |
Loan loss allowance to noncurrent loans | 63.0995% | 4,012 |
Noncurrent assets plus other real estate owned to assets | 0.8471% | 1,675 |
Noncurrent loans to loans | 0.9949% | 1,683 |
Net loans and leases to total assets | 74.7155% | 1,685 |
Net loans and leases to deposits | 97.4369% | 847 |
Net loans and leases to core deposits | 108.4257% | 1,032 |
Total domestic deposits to total assets | 76.6810% | 4,685 |
Equity capital to assets | 12.1586% | 1,929 |
Core capital (leverage) ratio | 12.6874% | 1,409 |
Tier 1 risk-based capital ratio | 16.4874% | 2,273 |
Total risk-based capital ratio | 17.1224% | 2,433 |
Memoranda: | ||
Average total assets | $694,133,500 | 1,087 |
Average earning assets | $630,082,500 | 1,096 |
Average equity | $85,364,500 | 1,011 |
Average total loans | $514,634,000 | 1,045 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5967% | 336 |
Cost of funding earning assets | 0.8060% | 1,494 |
Net interest margin | 4.7907% | 403 |
Noninterest income to average assets | 0.4697% | 2,998 |
Noninterest expense to average assets | 3.6110% | 860 |
Loan and lease loss provision to assets | 0.0278% | 3,619 |
Net operating income to assets | 0.9492% | 3,235 |
Return on assets (ROA) | 0.9483% | 3,238 |
Pretax return on assets | 1.1706% | 3,012 |
Return on Equity (ROE) | 8.3390% | 3,304 |
Retained earnings to average equity (ytd only) | 6.3827% | 1,983 |
Net charge-offs to loans | 0.0860% | 1,921 |
Credit loss provision to net charge-offs | 44.0529% | 3,242 |
Earnings coverage of net charge-offs (x) | 18.9912% | 2,094 |
Efficiency ratio | 75.0643% | 1,486 |
Assets per employee ($millions) | 4.1820% | 3,637 |
Cash dividends to net income (ytd only)* | 23.4595% | 3,342 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6572% | 4,888 |
Loan loss allowance to noncurrent loans | 139.5708% | 2,843 |
Noncurrent assets plus other real estate owned to assets | 0.4611% | 2,720 |
Noncurrent loans to loans | 0.4709% | 2,861 |
Net loans and leases to total assets | 72.5620% | 2,164 |
Net loans and leases to deposits | 92.4772% | 1,479 |
Net loans and leases to core deposits | 103.0608% | 1,503 |
Total domestic deposits to total assets | 78.4647% | 4,411 |
Equity capital to assets | 12.4442% | 1,611 |
Core capital (leverage) ratio | 12.0279% | 1,718 |
Tier 1 risk-based capital ratio | 17.2759% | 1,960 |
Total risk-based capital ratio | 17.9318% | 2,122 |
Memoranda: | ||
Average total assets | $718,770,400 | 1,037 |
Average earning assets | $651,279,600 | 1,053 |
Average equity | $81,736,600 | 1,007 |
Average total loans | $528,165,000 | 994 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4948% | 364 |
Cost of funding earning assets | 0.7566% | 1,557 |
Net interest margin | 4.7382% | 433 |
Noninterest income to average assets | 0.4480% | 3,182 |
Noninterest expense to average assets | 3.4736% | 1,016 |
Loan and lease loss provision to assets | 0.0366% | 3,273 |
Net operating income to assets | 0.9790% | 3,181 |
Return on assets (ROA) | 0.9785% | 3,195 |
Pretax return on assets | 1.2373% | 2,856 |
Return on Equity (ROE) | 8.7978% | 3,190 |
Retained earnings to average equity (ytd only) | 6.8265% | 2,216 |
Net charge-offs to loans | 0.0805% | 1,717 |
Credit loss provision to net charge-offs | 61.7284% | 2,726 |
Earnings coverage of net charge-offs (x) | 21.5092% | 1,918 |
Efficiency ratio | 73.1590% | 1,709 |
Assets per employee ($millions) | 4.3700% | 3,330 |
Cash dividends to net income (ytd only)* | 22.4071% | 2,908 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6758% | 4,921 |
Loan loss allowance to noncurrent loans | 137.8158% | 2,916 |
Noncurrent assets plus other real estate owned to assets | 0.4933% | 2,723 |
Noncurrent loans to loans | 0.4904% | 2,915 |
Net loans and leases to total assets | 70.2085% | 2,614 |
Net loans and leases to deposits | 95.8505% | 1,174 |
Net loans and leases to core deposits | 106.9541% | 1,232 |
Total domestic deposits to total assets | 73.2479% | 5,042 |
Equity capital to assets | 11.7103% | 2,093 |
Core capital (leverage) ratio | 11.9160% | 1,831 |
Tier 1 risk-based capital ratio | 16.4848% | 2,277 |
Total risk-based capital ratio | 17.1439% | 2,419 |
Memoranda: | ||
Average total assets | $729,093,250 | 1,017 |
Average earning assets | $661,672,250 | 1,037 |
Average equity | $81,094,000 | 1,012 |
Average total loans | $536,495,250 | 973 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3890% | 396 |
Cost of funding earning assets | 0.7199% | 1,523 |
Net interest margin | 4.6690% | 478 |
Noninterest income to average assets | 0.4393% | 3,223 |
Noninterest expense to average assets | 3.4890% | 1,008 |
Loan and lease loss provision to assets | 0.0543% | 2,821 |
Net operating income to assets | 0.8928% | 3,485 |
Return on assets (ROA) | 0.8941% | 3,492 |
Pretax return on assets | 1.1351% | 3,183 |
Return on Equity (ROE) | 8.1773% | 3,429 |
Retained earnings to average equity (ytd only) | 6.1895% | 2,463 |
Net charge-offs to loans | 0.1054% | 1,305 |
Credit loss provision to net charge-offs | 69.2042% | 2,358 |
Earnings coverage of net charge-offs (x) | 15.1280% | 2,063 |
Efficiency ratio | 74.6021% | 1,625 |
Assets per employee ($millions) | 4.3255% | 3,393 |
Cash dividends to net income (ytd only)* | 24.3087% | 2,845 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6446% | 5,037 |
Loan loss allowance to noncurrent loans | 123.8043% | 3,080 |
Noncurrent assets plus other real estate owned to assets | 0.5290% | 2,647 |
Noncurrent loans to loans | 0.5206% | 2,859 |
Net loans and leases to total assets | 73.3553% | 2,064 |
Net loans and leases to deposits | 101.8829% | 673 |
Net loans and leases to core deposits | 113.6067% | 809 |
Total domestic deposits to total assets | 71.9996% | 5,183 |
Equity capital to assets | 11.3582% | 2,304 |
Core capital (leverage) ratio | 11.5626% | 2,021 |
Tier 1 risk-based capital ratio | 15.4223% | 2,677 |
Total risk-based capital ratio | 16.0578% | 2,892 |
Memoranda: | ||
Average total assets | $736,145,000 | 1,014 |
Average earning assets | $668,107,670 | 1,038 |
Average equity | $80,491,330 | 1,018 |
Average total loans | $548,522,000 | 962 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2556% | 442 |
Cost of funding earning assets | 0.6696% | 1,606 |
Net interest margin | 4.5859% | 519 |
Noninterest income to average assets | 0.3940% | 3,512 |
Noninterest expense to average assets | 3.4117% | 1,147 |
Loan and lease loss provision to assets | 0.0859% | 2,080 |
Net operating income to assets | 0.8418% | 3,546 |
Return on assets (ROA) | 0.8422% | 3,556 |
Pretax return on assets | 1.0655% | 3,296 |
Return on Equity (ROE) | 7.8490% | 3,446 |
Retained earnings to average equity (ytd only) | 5.8480% | 2,781 |
Net charge-offs to loans | 0.0861% | 1,293 |
Credit loss provision to net charge-offs | 133.3333% | 1,310 |
Earnings coverage of net charge-offs (x) | 17.8667% | 1,558 |
Efficiency ratio | 74.7765% | 1,783 |
Assets per employee ($millions) | 4.4314% | 3,279 |
Cash dividends to net income (ytd only)* | 25.4939% | 2,269 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6546% | 5,103 |
Loan loss allowance to noncurrent loans | 54.9071% | 4,360 |
Noncurrent assets plus other real estate owned to assets | 0.9503% | 1,666 |
Noncurrent loans to loans | 1.1921% | 1,529 |
Net loans and leases to total assets | 74.0738% | 1,846 |
Net loans and leases to deposits | 104.4242% | 456 |
Net loans and leases to core deposits | 116.0250% | 726 |
Total domestic deposits to total assets | 70.9355% | 5,332 |
Equity capital to assets | 11.0552% | 2,529 |
Core capital (leverage) ratio | 11.2927% | 2,173 |
Tier 1 risk-based capital ratio | 14.6696% | 3,041 |
Total risk-based capital ratio | 15.3072% | 3,265 |
Memoranda: | ||
Average total assets | $745,204,500 | 1,010 |
Average earning assets | $677,373,500 | 1,028 |
Average equity | $79,959,500 | 1,031 |
Average total loans | $557,719,500 | 956 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2677% | 388 |
Cost of funding earning assets | 0.5729% | 1,799 |
Net interest margin | 4.6948% | 426 |
Noninterest income to average assets | 0.5518% | 2,708 |
Noninterest expense to average assets | 3.4656% | 1,093 |
Loan and lease loss provision to assets | 0.1837% | 1,159 |
Net operating income to assets | 0.7553% | 3,366 |
Return on assets (ROA) | 0.7627% | 3,370 |
Pretax return on assets | 1.1964% | 2,783 |
Return on Equity (ROE) | 7.1998% | 3,177 |
Retained earnings to average equity (ytd only) | 5.1539% | 2,028 |
Net charge-offs to loans | 0.1390% | 1,678 |
Credit loss provision to net charge-offs | 174.1645% | 1,556 |
Earnings coverage of net charge-offs (x) | 12.9756% | 2,432 |
Efficiency ratio | 71.6926% | 2,277 |
Assets per employee ($millions) | 4.8333% | 2,693 |
Cash dividends to net income (ytd only)* | 28.4166% | 3,364 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6113% | 5,223 |
Loan loss allowance to noncurrent loans | 151.5125% | 2,783 |
Noncurrent assets plus other real estate owned to assets | 0.3614% | 3,417 |
Noncurrent loans to loans | 0.4034% | 3,318 |
Net loans and leases to total assets | 74.6478% | 1,817 |
Net loans and leases to deposits | 112.0821% | 213 |
Net loans and leases to core deposits | 125.2657% | 454 |
Total domestic deposits to total assets | 66.6010% | 5,505 |
Equity capital to assets | 10.4203% | 3,241 |
Core capital (leverage) ratio | 11.0286% | 2,313 |
Tier 1 risk-based capital ratio | 13.5974% | 3,574 |
Total risk-based capital ratio | 14.1902% | 3,843 |
Memoranda: | ||
Average total assets | $737,732,800 | 999 |
Average earning assets | $672,893,200 | 1,007 |
Average equity | $78,154,600 | 1,031 |
Average total loans | $559,656,800 | 923 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2227% | 403 |
Cost of funding earning assets | 0.5567% | 1,838 |
Net interest margin | 4.6660% | 434 |
Noninterest income to average assets | 0.5917% | 2,526 |
Noninterest expense to average assets | 3.3234% | 1,290 |
Loan and lease loss provision to assets | 0.1951% | 982 |
Net operating income to assets | 0.8869% | 3,091 |
Return on assets (ROA) | 0.8973% | 3,097 |
Pretax return on assets | 1.3494% | 2,287 |
Return on Equity (ROE) | 8.4334% | 2,913 |
Retained earnings to average equity (ytd only) | 6.4198% | 2,000 |
Net charge-offs to loans | 0.1628% | 1,266 |
Credit loss provision to net charge-offs | 157.5847% | 1,621 |
Earnings coverage of net charge-offs (x) | 12.3491% | 2,432 |
Efficiency ratio | 68.4917% | 2,786 |
Assets per employee ($millions) | 4.8883% | 2,582 |
Cash dividends to net income (ytd only)* | 23.8773% | 2,991 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5864% | 5,350 |
Loan loss allowance to noncurrent loans | 139.1450% | 2,938 |
Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,548 |
Noncurrent loans to loans | 0.4214% | 3,440 |
Net loans and leases to total assets | 75.7568% | 1,627 |
Net loans and leases to deposits | 113.2373% | 198 |
Net loans and leases to core deposits | 126.1329% | 406 |
Total domestic deposits to total assets | 66.9009% | 5,566 |
Equity capital to assets | 10.7738% | 3,092 |
Core capital (leverage) ratio | 11.1307% | 2,344 |
Tier 1 risk-based capital ratio | 13.7798% | 3,533 |
Total risk-based capital ratio | 14.3508% | 3,851 |
Memoranda: | ||
Average total assets | $731,251,750 | 1,009 |
Average earning assets | $667,710,500 | 1,024 |
Average equity | $77,799,500 | 1,039 |
Average total loans | $556,181,250 | 927 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0994% | 473 |
Cost of funding earning assets | 0.5309% | 1,905 |
Net interest margin | 4.5685% | 501 |
Noninterest income to average assets | 0.6536% | 2,189 |
Noninterest expense to average assets | 3.3602% | 1,254 |
Loan and lease loss provision to assets | 0.1100% | 1,855 |
Net operating income to assets | 0.9016% | 2,904 |
Return on assets (ROA) | 0.9003% | 2,966 |
Pretax return on assets | 1.3534% | 2,196 |
Return on Equity (ROE) | 8.4985% | 2,778 |
Retained earnings to average equity (ytd only) | 6.5517% | 1,814 |
Net charge-offs to loans | 0.0177% | 2,892 |
Credit loss provision to net charge-offs | 816.3265% | 455 |
Earnings coverage of net charge-offs (x) | 108.7551% | 615 |
Efficiency ratio | 69.6336% | 2,744 |
Assets per employee ($millions) | 4.5956% | 2,955 |
Cash dividends to net income (ytd only)* | 22.9078% | 3,009 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5670% | 5,431 |
Loan loss allowance to noncurrent loans | 278.4380% | 1,676 |
Noncurrent assets plus other real estate owned to assets | 0.2087% | 4,339 |
Noncurrent loans to loans | 0.2036% | 4,303 |
Net loans and leases to total assets | 77.7407% | 1,280 |
Net loans and leases to deposits | 115.7931% | 160 |
Net loans and leases to core deposits | 129.2892% | 320 |
Total domestic deposits to total assets | 67.1376% | 5,616 |
Equity capital to assets | 10.6534% | 3,169 |
Core capital (leverage) ratio | 11.2504% | 2,180 |
Tier 1 risk-based capital ratio | 13.4092% | 3,744 |
Total risk-based capital ratio | 13.9666% | 4,084 |
Memoranda: | ||
Average total assets | $727,329,670 | 1,020 |
Average earning assets | $664,194,330 | 1,026 |
Average equity | $77,049,000 | 1,055 |
Average total loans | $552,839,330 | 933 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9977% | 531 |
Cost of funding earning assets | 0.5252% | 1,899 |
Net interest margin | 4.4725% | 553 |
Noninterest income to average assets | 0.7938% | 1,576 |
Noninterest expense to average assets | 3.4123% | 1,173 |
Loan and lease loss provision to assets | 0.0499% | 2,810 |
Net operating income to assets | 0.9390% | 2,563 |
Return on assets (ROA) | 0.9364% | 2,635 |
Pretax return on assets | 1.4091% | 1,856 |
Return on Equity (ROE) | 8.8654% | 2,477 |
Retained earnings to average equity (ytd only) | 6.8959% | 1,889 |
Net charge-offs to loans | -0.0044% | 4,149 |
Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.9932% | 2,893 |
Assets per employee ($millions) | 4.6778% | 2,878 |
Cash dividends to net income (ytd only)* | 22.2156% | 2,483 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5920% | 5,490 |
Loan loss allowance to noncurrent loans | 288.6450% | 1,662 |
Noncurrent assets plus other real estate owned to assets | 0.2028% | 4,428 |
Noncurrent loans to loans | 0.2051% | 4,382 |
Net loans and leases to total assets | 72.3956% | 2,018 |
Net loans and leases to deposits | 104.7483% | 370 |
Net loans and leases to core deposits | 115.3699% | 616 |
Total domestic deposits to total assets | 69.1139% | 5,654 |
Equity capital to assets | 10.9633% | 2,667 |
Core capital (leverage) ratio | 10.8833% | 2,501 |
Tier 1 risk-based capital ratio | 14.7973% | 3,068 |
Total risk-based capital ratio | 15.3734% | 3,323 |
Memoranda: | ||
Average total assets | $721,046,000 | 1,031 |
Average earning assets | $657,977,000 | 1,033 |
Average equity | $76,161,500 | 1,063 |
Average total loans | $540,018,500 | 949 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2360% | 392 |
Cost of funding earning assets | 0.4647% | 2,400 |
Net interest margin | 4.7712% | 370 |
Noninterest income to average assets | 0.5465% | 2,934 |
Noninterest expense to average assets | 3.3994% | 1,359 |
Loan and lease loss provision to assets | 0.0908% | 2,541 |
Net operating income to assets | 0.9504% | 2,582 |
Return on assets (ROA) | 0.9796% | 2,546 |
Pretax return on assets | 1.4830% | 1,647 |
Return on Equity (ROE) | 9.7282% | 2,089 |
Retained earnings to average equity (ytd only) | 7.8263% | 915 |
Net charge-offs to loans | 0.1248% | 2,000 |
Credit loss provision to net charge-offs | 92.8571% | 2,749 |
Earnings coverage of net charge-offs (x) | 15.6373% | 2,189 |
Efficiency ratio | 68.9680% | 3,080 |
Assets per employee ($millions) | 4.6862% | 2,810 |
Cash dividends to net income (ytd only)* | 19.5497% | 3,741 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5147% | 5,644 |
Loan loss allowance to noncurrent loans | 373.5969% | 1,346 |
Noncurrent assets plus other real estate owned to assets | 0.1594% | 4,683 |
Noncurrent loans to loans | 0.1378% | 4,678 |
Net loans and leases to total assets | 76.4570% | 1,440 |
Net loans and leases to deposits | 117.1005% | 118 |
Net loans and leases to core deposits | 129.1442% | 296 |
Total domestic deposits to total assets | 65.2918% | 5,771 |
Equity capital to assets | 10.1829% | 3,502 |
Core capital (leverage) ratio | 10.3753% | 3,022 |
Tier 1 risk-based capital ratio | 13.0260% | 4,055 |
Total risk-based capital ratio | 13.5255% | 4,401 |
Memoranda: | ||
Average total assets | $729,957,400 | 986 |
Average earning assets | $670,477,000 | 990 |
Average equity | $73,508,200 | 1,078 |
Average total loans | $571,945,600 | 868 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1888% | 431 |
Cost of funding earning assets | 0.4540% | 2,521 |
Net interest margin | 4.7348% | 409 |
Noninterest income to average assets | 0.5345% | 3,018 |
Noninterest expense to average assets | 3.3473% | 1,461 |
Loan and lease loss provision to assets | 0.0785% | 2,654 |
Net operating income to assets | 0.9684% | 2,577 |
Return on assets (ROA) | 1.0075% | 2,533 |
Pretax return on assets | 1.5233% | 1,636 |
Return on Equity (ROE) | 10.0332% | 2,039 |
Retained earnings to average equity (ytd only) | 8.1200% | 1,125 |
Net charge-offs to loans | 0.1655% | 1,382 |
Credit loss provision to net charge-offs | 60.1969% | 2,906 |
Earnings coverage of net charge-offs (x) | 11.8354% | 2,441 |
Efficiency ratio | 68.4536% | 3,146 |
Assets per employee ($millions) | 4.9291% | 2,456 |
Cash dividends to net income (ytd only)* | 19.0684% | 3,274 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4157% | 5,790 |
Loan loss allowance to noncurrent loans | 185.6749% | 2,379 |
Noncurrent assets plus other real estate owned to assets | 0.2358% | 4,502 |
Noncurrent loans to loans | 0.2239% | 4,470 |
Net loans and leases to total assets | 82.4099% | 563 |
Net loans and leases to deposits | 131.8010% | 35 |
Net loans and leases to core deposits | 144.3525% | 159 |
Total domestic deposits to total assets | 62.5260% | 5,864 |
Equity capital to assets | 9.6265% | 4,535 |
Core capital (leverage) ratio | 10.4742% | 3,025 |
Tier 1 risk-based capital ratio | 11.3938% | 5,159 |
Total risk-based capital ratio | 11.8030% | 5,521 |
Memoranda: | ||
Average total assets | $727,340,750 | 989 |
Average earning assets | $669,045,500 | 995 |
Average equity | $73,036,000 | 1,091 |
Average total loans | $572,673,250 | 866 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1603% | 453 |
Cost of funding earning assets | 0.4341% | 2,702 |
Net interest margin | 4.7262% | 406 |
Noninterest income to average assets | 0.5070% | 3,147 |
Noninterest expense to average assets | 3.3570% | 1,466 |
Loan and lease loss provision to assets | 0.0785% | 2,579 |
Net operating income to assets | 0.9345% | 2,706 |
Return on assets (ROA) | 0.9947% | 2,557 |
Pretax return on assets | 1.5079% | 1,648 |
Return on Equity (ROE) | 9.7573% | 2,157 |
Retained earnings to average equity (ytd only) | 7.8219% | 1,235 |
Net charge-offs to loans | 0.2324% | 1,013 |
Credit loss provision to net charge-offs | 43.7107% | 2,736 |
Earnings coverage of net charge-offs (x) | 8.3286% | 2,524 |
Efficiency ratio | 69.1856% | 3,119 |
Assets per employee ($millions) | 4.7061% | 2,703 |
Cash dividends to net income (ytd only)* | 19.8354% | 3,204 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4470% | 5,848 |
Loan loss allowance to noncurrent loans | 106.9767% | 3,570 |
Noncurrent assets plus other real estate owned to assets | 0.3968% | 3,906 |
Noncurrent loans to loans | 0.4179% | 3,857 |
Net loans and leases to total assets | 79.5350% | 980 |
Net loans and leases to deposits | 119.0925% | 110 |
Net loans and leases to core deposits | 129.7931% | 308 |
Total domestic deposits to total assets | 66.7842% | 5,871 |
Equity capital to assets | 10.0583% | 4,154 |
Core capital (leverage) ratio | 10.4295% | 3,045 |
Tier 1 risk-based capital ratio | 12.3045% | 4,644 |
Total risk-based capital ratio | 12.7438% | 5,046 |
Memoranda: | ||
Average total assets | $708,548,000 | 1,015 |
Average earning assets | $651,438,330 | 1,017 |
Average equity | $72,233,000 | 1,104 |
Average total loans | $547,378,330 | 899 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0177% | 559 |
Cost of funding earning assets | 0.4222% | 2,840 |
Net interest margin | 4.5955% | 505 |
Noninterest income to average assets | 0.4640% | 3,387 |
Noninterest expense to average assets | 3.2167% | 1,802 |
Loan and lease loss provision to assets | 0.0437% | 3,048 |
Net operating income to assets | 0.9554% | 2,488 |
Return on assets (ROA) | 0.9889% | 2,441 |
Pretax return on assets | 1.4776% | 1,665 |
Return on Equity (ROE) | 9.6321% | 2,144 |
Retained earnings to average equity (ytd only) | 7.6777% | 1,598 |
Net charge-offs to loans | 0.4699% | 474 |
Credit loss provision to net charge-offs | 12.2581% | 2,350 |
Earnings coverage of net charge-offs (x) | 4.1274% | 2,463 |
Efficiency ratio | 68.6166% | 3,359 |
Assets per employee ($millions) | 4.6368% | 2,843 |
Cash dividends to net income (ytd only)* | 20.2907% | 2,555 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4578% | 5,904 |
Loan loss allowance to noncurrent loans | 76.7559% | 4,161 |
Noncurrent assets plus other real estate owned to assets | 0.4672% | 3,728 |
Noncurrent loans to loans | 0.5965% | 3,392 |
Net loans and leases to total assets | 75.6766% | 1,439 |
Net loans and leases to deposits | 106.0701% | 340 |
Net loans and leases to core deposits | 115.8157% | 600 |
Total domestic deposits to total assets | 71.3458% | 5,807 |
Equity capital to assets | 10.3356% | 3,699 |
Core capital (leverage) ratio | 10.8651% | 2,554 |
Tier 1 risk-based capital ratio | 13.0729% | 4,218 |
Total risk-based capital ratio | 13.5154% | 4,645 |
Memoranda: | ||
Average total assets | $695,742,500 | 1,032 |
Average earning assets | $639,493,500 | 1,027 |
Average equity | $71,427,500 | 1,108 |
Average total loans | $527,800,000 | 930 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9859% | 643 |
Cost of funding earning assets | 0.3888% | 3,276 |
Net interest margin | 4.5972% | 550 |
Noninterest income to average assets | 0.4630% | 3,577 |
Noninterest expense to average assets | 3.0817% | 2,291 |
Loan and lease loss provision to assets | 0.0307% | 3,755 |
Net operating income to assets | 1.0686% | 2,049 |
Return on assets (ROA) | 1.0738% | 2,099 |
Pretax return on assets | 1.6099% | 1,219 |
Return on Equity (ROE) | 11.8709% | 1,336 |
Retained earnings to average equity (ytd only) | 10.0987% | 452 |
Net charge-offs to loans | 0.0269% | 3,691 |
Credit loss provision to net charge-offs | 149.6732% | 1,777 |
Earnings coverage of net charge-offs (x) | 79.4902% | 705 |
Efficiency ratio | 65.3662% | 4,013 |
Assets per employee ($millions) | 4.8009% | 2,601 |
Cash dividends to net income (ytd only)* | 14.9287% | 3,947 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5695% | 5,837 |
Loan loss allowance to noncurrent loans | 68.6162% | 4,419 |
Noncurrent assets plus other real estate owned to assets | 0.6544% | 3,081 |
Noncurrent loans to loans | 0.8299% | 2,716 |
Net loans and leases to total assets | 75.2650% | 1,528 |
Net loans and leases to deposits | 106.6346% | 338 |
Net loans and leases to core deposits | 116.5198% | 589 |
Total domestic deposits to total assets | 70.5822% | 5,869 |
Equity capital to assets | 10.1963% | 3,754 |
Core capital (leverage) ratio | 11.1559% | 2,260 |
Tier 1 risk-based capital ratio | 13.0146% | 4,300 |
Total risk-based capital ratio | 13.5637% | 4,645 |
Memoranda: | ||
Average total assets | $744,844,600 | 925 |
Average earning assets | $688,837,400 | 927 |
Average equity | $67,374,800 | 1,127 |
Average total loans | $567,995,200 | 826 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0155% | 597 |
Cost of funding earning assets | 0.3861% | 3,380 |
Net interest margin | 4.6294% | 519 |
Noninterest income to average assets | 0.5094% | 3,303 |
Noninterest expense to average assets | 2.9452% | 2,687 |
Loan and lease loss provision to assets | 0.0375% | 3,463 |
Net operating income to assets | 1.2128% | 1,607 |
Return on assets (ROA) | 1.2128% | 1,674 |
Pretax return on assets | 1.8149% | 873 |
Return on Equity (ROE) | 13.8083% | 941 |
Retained earnings to average equity (ytd only) | 12.0164% | 366 |
Net charge-offs to loans | 0.0366% | 3,168 |
Credit loss provision to net charge-offs | 133.9623% | 1,835 |
Earnings coverage of net charge-offs (x) | 66.2530% | 844 |
Efficiency ratio | 61.3899% | 4,664 |
Assets per employee ($millions) | 4.9858% | 2,314 |
Cash dividends to net income (ytd only)* | 12.9766% | 3,487 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5752% | 5,930 |
Loan loss allowance to noncurrent loans | 63.7088% | 4,578 |
Noncurrent assets plus other real estate owned to assets | 0.6983% | 3,160 |
Noncurrent loans to loans | 0.9029% | 2,717 |
Net loans and leases to total assets | 72.7313% | 1,948 |
Net loans and leases to deposits | 102.5706% | 515 |
Net loans and leases to core deposits | 110.5216% | 850 |
Total domestic deposits to total assets | 70.9085% | 5,928 |
Equity capital to assets | 9.9462% | 4,229 |
Core capital (leverage) ratio | 10.1627% | 3,424 |
Tier 1 risk-based capital ratio | 13.2394% | 4,295 |
Total risk-based capital ratio | 13.8002% | 4,622 |
Memoranda: | ||
Average total assets | $758,222,750 | 916 |
Average earning assets | $702,337,250 | 913 |
Average equity | $66,596,000 | 1,142 |
Average total loans | $579,166,250 | 811 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8900% | 750 |
Cost of funding earning assets | 0.3817% | 3,466 |
Net interest margin | 4.5083% | 631 |
Noninterest income to average assets | 0.5181% | 3,241 |
Noninterest expense to average assets | 2.8528% | 3,058 |
Loan and lease loss provision to assets | 0.0265% | 3,608 |
Net operating income to assets | 1.2219% | 1,537 |
Return on assets (ROA) | 1.2219% | 1,613 |
Pretax return on assets | 1.8300% | 847 |
Return on Equity (ROE) | 14.4913% | 824 |
Retained earnings to average equity (ytd only) | 12.6680% | 335 |
Net charge-offs to loans | 0.0566% | 2,597 |
Credit loss provision to net charge-offs | 60.5882% | 2,585 |
Earnings coverage of net charge-offs (x) | 42.4059% | 1,088 |
Efficiency ratio | 60.5786% | 4,898 |
Assets per employee ($millions) | 5.8659% | 1,453 |
Cash dividends to net income (ytd only)* | 12.5817% | 3,400 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4536% | 6,128 |
Loan loss allowance to noncurrent loans | 119.0017% | 3,297 |
Noncurrent assets plus other real estate owned to assets | 0.3363% | 4,531 |
Noncurrent loans to loans | 0.3812% | 4,342 |
Net loans and leases to total assets | 76.3579% | 1,323 |
Net loans and leases to deposits | 122.8357% | 74 |
Net loans and leases to core deposits | 132.1210% | 242 |
Total domestic deposits to total assets | 62.1626% | 6,228 |
Equity capital to assets | 8.2858% | 5,839 |
Core capital (leverage) ratio | 9.2309% | 4,647 |
Tier 1 risk-based capital ratio | 10.6694% | 5,853 |
Total risk-based capital ratio | 11.1147% | 6,078 |
Memoranda: | ||
Average total assets | $776,632,670 | 898 |
Average earning assets | $722,006,000 | 896 |
Average equity | $65,487,670 | 1,173 |
Average total loans | $600,803,670 | 783 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7307% | 984 |
Cost of funding earning assets | 0.3963% | 3,348 |
Net interest margin | 4.3344% | 822 |
Noninterest income to average assets | 0.4500% | 3,636 |
Noninterest expense to average assets | 2.8011% | 3,251 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.1219% | 1,790 |
Return on assets (ROA) | 1.1219% | 1,895 |
Pretax return on assets | 1.6813% | 1,086 |
Return on Equity (ROE) | 13.1819% | 1,038 |
Retained earnings to average equity (ytd only) | 13.1819% | 424 |
Net charge-offs to loans | 0.0421% | 2,391 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 51.3387% | 823 |
Efficiency ratio | 62.4912% | 4,708 |
Assets per employee ($millions) | 5.5150% | 1,783 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4336% | 6,216 |
Loan loss allowance to noncurrent loans | 79.6525% | 4,183 |
Noncurrent assets plus other real estate owned to assets | 0.4830% | 4,097 |
Noncurrent loans to loans | 0.5444% | 3,952 |
Net loans and leases to total assets | 79.9536% | 688 |
Net loans and leases to deposits | 122.7694% | 66 |
Net loans and leases to core deposits | 133.5345% | 211 |
Total domestic deposits to total assets | 65.1250% | 6,255 |
Equity capital to assets | 8.0657% | 5,999 |
Core capital (leverage) ratio | 9.3268% | 4,529 |
Tier 1 risk-based capital ratio | 9.9094% | 6,191 |
Total risk-based capital ratio | 10.3365% | 6,301 |
Memoranda: | ||
Average total assets | $757,267,500 | 917 |
Average earning assets | $704,511,500 | 911 |
Average equity | $64,452,000 | 1,186 |
Average total loans | $588,490,000 | 796 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3611% | 407 |
Cost of funding earning assets | 0.5656% | 2,085 |
Net interest margin | 4.7954% | 439 |
Noninterest income to average assets | 0.5656% | 3,084 |
Noninterest expense to average assets | 3.6393% | 1,234 |
Loan and lease loss provision to assets | 0.1144% | 2,260 |
Net operating income to assets | 0.8500% | 3,118 |
Return on assets (ROA) | 0.8500% | 3,217 |
Pretax return on assets | 1.2603% | 2,390 |
Return on Equity (ROE) | 10.4881% | 1,910 |
Retained earnings to average equity (ytd only) | 8.0678% | 995 |
Net charge-offs to loans | 0.0585% | 3,668 |
Credit loss provision to net charge-offs | 259.2593% | 990 |
Earnings coverage of net charge-offs (x) | 31.1481% | 1,299 |
Efficiency ratio | 72.5826% | 3,108 |
Assets per employee ($millions) | 4.1580% | 3,619 |
Cash dividends to net income (ytd only)* | 23.0769% | 3,695 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5858% | 6,159 |
Loan loss allowance to noncurrent loans | 400.0000% | 1,277 |
Noncurrent assets plus other real estate owned to assets | 0.1934% | 5,255 |
Noncurrent loans to loans | 0.1465% | 5,307 |
Net loans and leases to total assets | 76.8988% | 1,143 |
Net loans and leases to deposits | 89.2705% | 1,590 |
Net loans and leases to core deposits | 93.9643% | 1,928 |
Total domestic deposits to total assets | 86.1414% | 2,758 |
Equity capital to assets | 8.2344% | 5,942 |
Core capital (leverage) ratio | 8.3128% | 5,763 |
Tier 1 risk-based capital ratio | 11.0222% | 5,897 |
Total risk-based capital ratio | 11.6287% | 6,097 |
Memoranda: | ||
Average total assets | $305,885,800 | 2,126 |
Average earning assets | $283,749,400 | 2,098 |
Average equity | $24,790,000 | 2,688 |
Average total loans | $230,827,800 | 1,822 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2757% | 455 |
Cost of funding earning assets | 0.5848% | 1,975 |
Net interest margin | 4.6910% | 511 |
Noninterest income to average assets | 0.5973% | 2,892 |
Noninterest expense to average assets | 3.3588% | 1,769 |
Loan and lease loss provision to assets | 0.1428% | 1,758 |
Net operating income to assets | 0.9709% | 2,590 |
Return on assets (ROA) | 0.9709% | 2,660 |
Pretax return on assets | 1.4429% | 1,835 |
Return on Equity (ROE) | 12.0302% | 1,469 |
Retained earnings to average equity (ytd only) | 9.5795% | 817 |
Net charge-offs to loans | 0.0780% | 3,087 |
Credit loss provision to net charge-offs | 244.3609% | 1,074 |
Earnings coverage of net charge-offs (x) | 27.1277% | 1,462 |
Efficiency ratio | 67.9289% | 3,868 |
Assets per employee ($millions) | 4.3194% | 3,262 |
Cash dividends to net income (ytd only)* | 20.3714% | 3,192 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5799% | 6,253 |
Loan loss allowance to noncurrent loans | 958.5034% | 583 |
Noncurrent assets plus other real estate owned to assets | 0.4061% | 4,706 |
Noncurrent loans to loans | 0.0605% | 5,773 |
Net loans and leases to total assets | 77.6803% | 994 |
Net loans and leases to deposits | 90.3448% | 1,391 |
Net loans and leases to core deposits | 95.6484% | 1,705 |
Total domestic deposits to total assets | 85.9821% | 2,851 |
Equity capital to assets | 8.2259% | 5,996 |
Core capital (leverage) ratio | 8.3355% | 5,819 |
Tier 1 risk-based capital ratio | 10.7878% | 6,097 |
Total risk-based capital ratio | 11.3773% | 6,281 |
Memoranda: | ||
Average total assets | $303,356,000 | 2,152 |
Average earning assets | $281,129,250 | 2,132 |
Average equity | $24,482,250 | 2,717 |
Average total loans | $227,425,750 | 1,852 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1440% | 564 |
Cost of funding earning assets | 0.6025% | 1,879 |
Net interest margin | 4.5415% | 648 |
Noninterest income to average assets | 0.6343% | 2,639 |
Noninterest expense to average assets | 3.3530% | 1,797 |
Loan and lease loss provision to assets | 0.1662% | 1,476 |
Net operating income to assets | 0.8856% | 2,884 |
Return on assets (ROA) | 0.8856% | 2,973 |
Pretax return on assets | 1.3151% | 2,199 |
Return on Equity (ROE) | 11.0468% | 1,726 |
Retained earnings to average equity (ytd only) | 8.5588% | 1,128 |
Net charge-offs to loans | 0.1260% | 2,409 |
Credit loss provision to net charge-offs | 178.5714% | 1,275 |
Earnings coverage of net charge-offs (x) | 15.9143% | 1,824 |
Efficiency ratio | 69.3577% | 3,767 |
Assets per employee ($millions) | 4.2376% | 3,399 |
Cash dividends to net income (ytd only)* | 22.5225% | 3,089 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5289% | 6,386 |
Loan loss allowance to noncurrent loans | 123.4419% | 3,135 |
Noncurrent assets plus other real estate owned to assets | 0.7146% | 3,841 |
Noncurrent loans to loans | 0.4285% | 4,706 |
Net loans and leases to total assets | 79.5810% | 733 |
Net loans and leases to deposits | 96.0739% | 798 |
Net loans and leases to core deposits | 102.0608% | 1,130 |
Total domestic deposits to total assets | 82.8330% | 4,369 |
Equity capital to assets | 7.9379% | 6,185 |
Core capital (leverage) ratio | 8.3782% | 5,762 |
Tier 1 risk-based capital ratio | 10.4594% | 6,261 |
Total risk-based capital ratio | 11.0133% | 6,438 |
Memoranda: | ||
Average total assets | $300,809,670 | 2,168 |
Average earning assets | $278,187,000 | 2,153 |
Average equity | $24,115,670 | 2,744 |
Average total loans | $222,237,330 | 1,885 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0637% | 637 |
Cost of funding earning assets | 0.6302% | 1,731 |
Net interest margin | 4.4335% | 750 |
Noninterest income to average assets | 0.4864% | 3,517 |
Noninterest expense to average assets | 3.4141% | 1,662 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.7839% | 3,232 |
Return on assets (ROA) | 0.7839% | 3,313 |
Pretax return on assets | 1.1630% | 2,647 |
Return on Equity (ROE) | 9.7271% | 2,142 |
Retained earnings to average equity (ytd only) | 7.1984% | 1,939 |
Net charge-offs to loans | 0.0058% | 3,538 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 285.3333% | 167 |
Efficiency ratio | 74.5919% | 3,033 |
Assets per employee ($millions) | 4.2397% | 3,457 |
Cash dividends to net income (ytd only)* | 25.9965% | 2,393 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5747% | 6,438 |
Loan loss allowance to noncurrent loans | 610.0503% | 787 |
Noncurrent assets plus other real estate owned to assets | 0.4236% | 4,864 |
Noncurrent loans to loans | 0.0942% | 5,842 |
Net loans and leases to total assets | 68.8006% | 2,092 |
Net loans and leases to deposits | 80.1941% | 2,268 |
Net loans and leases to core deposits | 85.3465% | 2,387 |
Total domestic deposits to total assets | 85.7926% | 3,473 |
Equity capital to assets | 7.9065% | 6,117 |
Core capital (leverage) ratio | 8.2276% | 5,917 |
Tier 1 risk-based capital ratio | 12.3651% | 5,400 |
Total risk-based capital ratio | 12.9790% | 5,738 |
Memoranda: | ||
Average total assets | $294,422,000 | 2,204 |
Average earning assets | $271,659,500 | 2,207 |
Average equity | $23,727,500 | 2,777 |
Average total loans | $207,915,500 | 1,988 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0653% | 156 |
Cost of funding earning assets | 0.7223% | 1,664 |
Net interest margin | 5.3430% | 173 |
Noninterest income to average assets | 0.5891% | 3,157 |
Noninterest expense to average assets | 3.5973% | 1,454 |
Loan and lease loss provision to assets | 0.0205% | 4,725 |
Net operating income to assets | 1.2198% | 1,493 |
Return on assets (ROA) | 1.2198% | 1,563 |
Pretax return on assets | 1.8366% | 691 |
Return on Equity (ROE) | 14.7090% | 813 |
Retained earnings to average equity (ytd only) | 11.7980% | 335 |
Net charge-offs to loans | 0.0599% | 4,379 |
Credit loss provision to net charge-offs | 43.7500% | 3,964 |
Earnings coverage of net charge-offs (x) | 39.7266% | 961 |
Efficiency ratio | 65.9525% | 4,570 |
Assets per employee ($millions) | 4.0513% | 3,760 |
Cash dividends to net income (ytd only)* | 19.7904% | 3,728 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5948% | 6,479 |
Loan loss allowance to noncurrent loans | 765.4088% | 655 |
Noncurrent assets plus other real estate owned to assets | 0.5963% | 4,451 |
Noncurrent loans to loans | 0.0777% | 5,984 |
Net loans and leases to total assets | 71.7174% | 1,730 |
Net loans and leases to deposits | 84.5052% | 1,867 |
Net loans and leases to core deposits | 90.8629% | 1,920 |
Total domestic deposits to total assets | 84.8675% | 3,820 |
Equity capital to assets | 8.2232% | 5,852 |
Core capital (leverage) ratio | 8.5932% | 5,554 |
Tier 1 risk-based capital ratio | 12.1627% | 5,518 |
Total risk-based capital ratio | 12.7788% | 5,830 |
Memoranda: | ||
Average total assets | $273,816,800 | 2,317 |
Average earning assets | $249,337,200 | 2,332 |
Average equity | $22,707,200 | 2,859 |
Average total loans | $213,590,400 | 1,904 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3496% | 112 |
Cost of funding earning assets | 0.7380% | 1,679 |
Net interest margin | 5.6116% | 117 |
Noninterest income to average assets | 0.6515% | 2,880 |
Noninterest expense to average assets | 3.6146% | 1,372 |
Loan and lease loss provision to assets | 0.0275% | 4,458 |
Net operating income to assets | 1.4027% | 1,096 |
Return on assets (ROA) | 1.4027% | 1,144 |
Pretax return on assets | 2.1048% | 465 |
Return on Equity (ROE) | 16.8776% | 552 |
Retained earnings to average equity (ytd only) | 13.8568% | 258 |
Net charge-offs to loans | 0.0507% | 4,184 |
Credit loss provision to net charge-offs | 68.2927% | 3,100 |
Earnings coverage of net charge-offs (x) | 52.9271% | 831 |
Efficiency ratio | 62.8965% | 5,002 |
Assets per employee ($millions) | 3.8058% | 4,225 |
Cash dividends to net income (ytd only)* | 17.8985% | 3,171 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6829% | 6,461 |
Loan loss allowance to noncurrent loans | 235.1955% | 1,728 |
Noncurrent assets plus other real estate owned to assets | 0.6496% | 4,489 |
Noncurrent loans to loans | 0.2903% | 5,505 |
Net loans and leases to total assets | 67.0390% | 2,449 |
Net loans and leases to deposits | 79.8995% | 2,428 |
Net loans and leases to core deposits | 85.4766% | 2,470 |
Total domestic deposits to total assets | 83.9042% | 4,231 |
Equity capital to assets | 8.5050% | 5,736 |
Core capital (leverage) ratio | 8.6796% | 5,565 |
Tier 1 risk-based capital ratio | 18.3456% | 2,199 |
Total risk-based capital ratio | 19.3237% | 2,260 |
Memoranda: | ||
Average total assets | $271,374,000 | 2,349 |
Average earning assets | $246,412,750 | 2,377 |
Average equity | $22,554,000 | 2,897 |
Average total loans | $215,838,250 | 1,895 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7270% | 77 |
Cost of funding earning assets | 0.7279% | 1,861 |
Net interest margin | 5.9990% | 81 |
Noninterest income to average assets | 0.6699% | 2,794 |
Noninterest expense to average assets | 3.5579% | 1,485 |
Loan and lease loss provision to assets | 0.0414% | 4,123 |
Net operating income to assets | 1.6688% | 662 |
Return on assets (ROA) | 1.6688% | 725 |
Pretax return on assets | 2.5058% | 270 |
Return on Equity (ROE) | 20.2388% | 287 |
Retained earnings to average equity (ytd only) | 17.9970% | 125 |
Net charge-offs to loans | 0.0867% | 3,500 |
Credit loss provision to net charge-offs | 57.1429% | 3,069 |
Earnings coverage of net charge-offs (x) | 35.1531% | 1,026 |
Efficiency ratio | 58.2778% | 5,696 |
Assets per employee ($millions) | 4.1250% | 3,523 |
Cash dividends to net income (ytd only)* | 11.0767% | 3,280 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5192% | 6,689 |
Loan loss allowance to noncurrent loans | 177.6353% | 2,195 |
Noncurrent assets plus other real estate owned to assets | 0.6110% | 4,718 |
Noncurrent loans to loans | 0.2923% | 5,566 |
Net loans and leases to total assets | 83.9414% | 241 |
Net loans and leases to deposits | 110.7542% | 131 |
Net loans and leases to core deposits | 118.8226% | 335 |
Total domestic deposits to total assets | 75.7907% | 6,268 |
Equity capital to assets | 8.0794% | 6,145 |
Core capital (leverage) ratio | 8.7519% | 5,356 |
Tier 1 risk-based capital ratio | 14.8310% | 3,889 |
Total risk-based capital ratio | 15.6230% | 4,134 |
Memoranda: | ||
Average total assets | $270,493,670 | 2,369 |
Average earning assets | $245,072,330 | 2,401 |
Average equity | $22,303,670 | 2,953 |
Average total loans | $226,131,000 | 1,819 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0690% | 57 |
Cost of funding earning assets | 0.7510% | 1,841 |
Net interest margin | 6.3180% | 61 |
Noninterest income to average assets | 0.7440% | 2,359 |
Noninterest expense to average assets | 3.5608% | 1,496 |
Loan and lease loss provision to assets | 0.0228% | 4,179 |
Net operating income to assets | 1.9709% | 358 |
Return on assets (ROA) | 1.9709% | 388 |
Pretax return on assets | 2.8577% | 181 |
Return on Equity (ROE) | 23.6457% | 148 |
Retained earnings to average equity (ytd only) | 19.8019% | 149 |
Net charge-offs to loans | 0.2720% | 1,869 |
Credit loss provision to net charge-offs | 10.0671% | 3,142 |
Earnings coverage of net charge-offs (x) | 12.7315% | 1,575 |
Efficiency ratio | 55.2805% | 6,128 |
Assets per employee ($millions) | 4.0324% | 3,878 |
Cash dividends to net income (ytd only)* | 16.2558% | 2,366 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4944% | 6,794 |
Loan loss allowance to noncurrent loans | 491.4894% | 872 |
Noncurrent assets plus other real estate owned to assets | 0.5901% | 4,914 |
Noncurrent loans to loans | 0.1006% | 6,179 |
Net loans and leases to total assets | 83.5510% | 209 |
Net loans and leases to deposits | 107.2521% | 179 |
Net loans and leases to core deposits | 114.9676% | 371 |
Total domestic deposits to total assets | 77.9015% | 6,121 |
Equity capital to assets | 8.0823% | 6,339 |
Core capital (leverage) ratio | 8.4899% | 5,612 |
Tier 1 risk-based capital ratio | 15.2083% | 3,703 |
Total risk-based capital ratio | 15.9912% | 3,972 |
Memoranda: | ||
Average total assets | $263,427,500 | 2,455 |
Average earning assets | $237,544,000 | 2,492 |
Average equity | $21,957,500 | 3,030 |
Average total loans | $219,113,500 | 1,873 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3857% | 147 |
Cost of funding earning assets | 0.8217% | 2,493 |
Net interest margin | 5.5641% | 154 |
Noninterest income to average assets | 0.5870% | 3,351 |
Noninterest expense to average assets | 3.4380% | 1,971 |
Loan and lease loss provision to assets | 0.0120% | 5,764 |
Net operating income to assets | 1.4306% | 1,047 |
Return on assets (ROA) | 1.4711% | 1,082 |
Pretax return on assets | 2.2040% | 408 |
Return on Equity (ROE) | 18.7287% | 380 |
Retained earnings to average equity (ytd only) | 17.0030% | 92 |
Net charge-offs to loans | 0.0314% | 5,472 |
Credit loss provision to net charge-offs | 46.1538% | 4,780 |
Earnings coverage of net charge-offs (x) | 82.9385% | 465 |
Efficiency ratio | 61.4626% | 5,320 |
Assets per employee ($millions) | 3.9463% | 4,051 |
Cash dividends to net income (ytd only)* | 9.2145% | 4,091 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6300% | 6,720 |
Loan loss allowance to noncurrent loans | 537.0833% | 773 |
Noncurrent assets plus other real estate owned to assets | 0.6544% | 4,835 |
Noncurrent loans to loans | 0.1173% | 6,191 |
Net loans and leases to total assets | 81.7773% | 339 |
Net loans and leases to deposits | 97.8200% | 519 |
Net loans and leases to core deposits | 104.5332% | 760 |
Total domestic deposits to total assets | 83.5998% | 4,498 |
Equity capital to assets | 8.6184% | 5,950 |
Core capital (leverage) ratio | 8.0991% | 6,091 |
Tier 1 risk-based capital ratio | 16.4921% | 2,898 |
Total risk-based capital ratio | 17.4879% | 2,986 |
Memoranda: | ||
Average total assets | $250,087,000 | 2,530 |
Average earning assets | $225,033,800 | 2,570 |
Average equity | $19,643,600 | 3,238 |
Average total loans | $207,171,000 | 1,946 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0811% | 257 |
Cost of funding earning assets | 0.8171% | 2,803 |
Net interest margin | 5.2640% | 265 |
Noninterest income to average assets | 0.5851% | 3,382 |
Noninterest expense to average assets | 3.3251% | 2,206 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 1.3354% | 1,363 |
Return on assets (ROA) | 1.3751% | 1,415 |
Pretax return on assets | 2.0703% | 606 |
Return on Equity (ROE) | 17.9391% | 506 |
Retained earnings to average equity (ytd only) | 15.8556% | 198 |
Net charge-offs to loans | 0.0346% | 5,160 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 69.9242% | 587 |
Efficiency ratio | 62.3229% | 5,101 |
Assets per employee ($millions) | 4.3379% | 3,195 |
Cash dividends to net income (ytd only)* | 11.6144% | 3,370 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5368% | 6,933 |
Loan loss allowance to noncurrent loans | 705.5556% | 581 |
Noncurrent assets plus other real estate owned to assets | 0.6157% | 5,133 |
Noncurrent loans to loans | 0.0761% | 6,429 |
Net loans and leases to total assets | 83.4500% | 254 |
Net loans and leases to deposits | 114.2356% | 107 |
Net loans and leases to core deposits | 120.9129% | 292 |
Total domestic deposits to total assets | 73.0508% | 6,674 |
Equity capital to assets | 7.2417% | 6,834 |
Core capital (leverage) ratio | 8.1158% | 6,217 |
Tier 1 risk-based capital ratio | 14.2000% | 4,381 |
Total risk-based capital ratio | 15.0888% | 4,620 |
Memoranda: | ||
Average total assets | $250,454,000 | 2,550 |
Average earning assets | $226,005,500 | 2,576 |
Average equity | $19,197,750 | 3,330 |
Average total loans | $207,813,000 | 1,959 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0774% | 264 |
Cost of funding earning assets | 0.8690% | 2,665 |
Net interest margin | 5.2084% | 282 |
Noninterest income to average assets | 0.5476% | 3,591 |
Noninterest expense to average assets | 3.4074% | 2,015 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 1.1983% | 1,728 |
Return on assets (ROA) | 1.2011% | 1,909 |
Pretax return on assets | 1.8204% | 1,001 |
Return on Equity (ROE) | 15.3374% | 880 |
Retained earnings to average equity (ytd only) | 13.2087% | 417 |
Net charge-offs to loans | -0.0010% | 6,079 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.2306% | 4,683 |
Assets per employee ($millions) | 3.8125% | 4,281 |
Cash dividends to net income (ytd only)* | 13.8793% | 3,192 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6564% | 6,874 |
Loan loss allowance to noncurrent loans | 2,500.0000% | 203 |
Noncurrent assets plus other real estate owned to assets | 0.9619% | 4,447 |
Noncurrent loans to loans | 0.0263% | 6,627 |
Net loans and leases to total assets | 82.1808% | 329 |
Net loans and leases to deposits | 109.0807% | 163 |
Net loans and leases to core deposits | 115.2061% | 417 |
Total domestic deposits to total assets | 75.3394% | 6,552 |
Equity capital to assets | 7.9561% | 6,591 |
Core capital (leverage) ratio | 8.7437% | 5,307 |
Tier 1 risk-based capital ratio | 14.4405% | 4,145 |
Total risk-based capital ratio | 15.4346% | 4,281 |
Memoranda: | ||
Average total assets | $239,950,670 | 2,657 |
Average earning assets | $215,420,670 | 2,698 |
Average equity | $18,790,670 | 3,382 |
Average total loans | $198,227,670 | 2,043 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3514% | 193 |
Cost of funding earning assets | 0.8943% | 2,736 |
Net interest margin | 5.4572% | 199 |
Noninterest income to average assets | 0.6321% | 3,045 |
Noninterest expense to average assets | 3.3792% | 2,059 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.4134% | 1,200 |
Return on assets (ROA) | 1.4189% | 1,329 |
Pretax return on assets | 2.1654% | 573 |
Return on Equity (ROE) | 18.2689% | 520 |
Retained earnings to average equity (ytd only) | 16.1043% | 355 |
Net charge-offs to loans | 0.0102% | 4,580 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 256.6000% | 139 |
Efficiency ratio | 61.0386% | 5,450 |
Assets per employee ($millions) | 3.6662% | 4,728 |
Cash dividends to net income (ytd only)* | 11.8483% | 2,508 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7212% | 6,854 |
Loan loss allowance to noncurrent loans | 65,950.0000% | 5 |
Noncurrent assets plus other real estate owned to assets | 1.0535% | 4,385 |
Noncurrent loans to loans | 0.0011% | 6,811 |
Net loans and leases to total assets | 81.1877% | 324 |
Net loans and leases to deposits | 103.4057% | 273 |
Net loans and leases to core deposits | 108.3729% | 594 |
Total domestic deposits to total assets | 78.5138% | 6,183 |
Equity capital to assets | 8.4166% | 6,157 |
Core capital (leverage) ratio | 8.4715% | 5,639 |
Tier 1 risk-based capital ratio | 14.9016% | 3,823 |
Total risk-based capital ratio | 15.9498% | 3,915 |
Memoranda: | ||
Average total assets | $237,925,500 | 2,694 |
Average earning assets | $213,810,000 | 2,726 |
Average equity | $18,479,500 | 3,428 |
Average total loans | $196,418,000 | 2,066 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9564% | 464 |
Cost of funding earning assets | 1.0015% | 3,369 |
Net interest margin | 4.9549% | 452 |
Noninterest income to average assets | 0.6875% | 2,677 |
Noninterest expense to average assets | 3.2170% | 2,803 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 1.3417% | 1,155 |
Return on assets (ROA) | 1.4018% | 1,113 |
Pretax return on assets | 2.0946% | 447 |
Return on Equity (ROE) | 17.7260% | 404 |
Retained earnings to average equity (ytd only) | 15.7106% | 105 |
Net charge-offs to loans | -0.1257% | 7,159 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.6071% | 5,520 |
Assets per employee ($millions) | 4.9453% | 2,282 |
Cash dividends to net income (ytd only)* | 11.3699% | 3,828 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6306% | 6,987 |
Loan loss allowance to noncurrent loans | 378.2857% | 882 |
Noncurrent assets plus other real estate owned to assets | 1.0923% | 4,432 |
Noncurrent loans to loans | 0.1667% | 6,419 |
Net loans and leases to total assets | 82.7184% | 289 |
Net loans and leases to deposits | 113.0165% | 131 |
Net loans and leases to core deposits | 117.6188% | 405 |
Total domestic deposits to total assets | 73.1914% | 6,792 |
Equity capital to assets | 7.1908% | 6,908 |
Core capital (leverage) ratio | 8.0625% | 6,190 |
Tier 1 risk-based capital ratio | 12.8613% | 5,187 |
Total risk-based capital ratio | 13.8070% | 5,390 |
Memoranda: | ||
Average total assets | $208,300,600 | 2,968 |
Average earning assets | $190,617,600 | 2,960 |
Average equity | $16,473,000 | 3,654 |
Average total loans | $164,635,000 | 2,431 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7338% | 798 |
Cost of funding earning assets | 1.0434% | 3,366 |
Net interest margin | 4.6904% | 778 |
Noninterest income to average assets | 0.6757% | 2,738 |
Noninterest expense to average assets | 3.2041% | 2,820 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 1.2210% | 1,595 |
Return on assets (ROA) | 1.3081% | 1,447 |
Pretax return on assets | 1.9048% | 774 |
Return on Equity (ROE) | 16.0754% | 674 |
Retained earnings to average equity (ytd only) | 13.6425% | 319 |
Net charge-offs to loans | 0.0974% | 5,010 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 23.5000% | 1,113 |
Efficiency ratio | 64.3070% | 5,013 |
Assets per employee ($millions) | 4.3932% | 3,087 |
Cash dividends to net income (ytd only)* | 15.1344% | 3,118 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5503% | 7,132 |
Loan loss allowance to noncurrent loans | 389.5349% | 833 |
Noncurrent assets plus other real estate owned to assets | 1.1846% | 4,418 |
Noncurrent loans to loans | 0.1413% | 6,589 |
Net loans and leases to total assets | 81.0583% | 421 |
Net loans and leases to deposits | 107.8398% | 212 |
Net loans and leases to core deposits | 113.0553% | 575 |
Total domestic deposits to total assets | 75.1655% | 6,622 |
Equity capital to assets | 7.6616% | 6,863 |
Core capital (leverage) ratio | 8.8365% | 5,202 |
Tier 1 risk-based capital ratio | 13.7750% | 4,521 |
Total risk-based capital ratio | 14.5862% | 4,828 |
Memoranda: | ||
Average total assets | $197,323,250 | 3,105 |
Average earning assets | $181,189,750 | 3,095 |
Average equity | $16,057,250 | 3,726 |
Average total loans | $153,306,750 | 2,619 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6883% | 895 |
Cost of funding earning assets | 1.1134% | 3,141 |
Net interest margin | 4.5749% | 959 |
Noninterest income to average assets | 0.6433% | 2,891 |
Noninterest expense to average assets | 3.3363% | 2,443 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.9893% | 2,271 |
Return on assets (ROA) | 0.9893% | 2,372 |
Pretax return on assets | 1.5073% | 1,509 |
Return on Equity (ROE) | 11.8819% | 1,528 |
Retained earnings to average equity (ytd only) | 9.6126% | 933 |
Net charge-offs to loans | 0.1477% | 4,304 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 13.3962% | 1,551 |
Efficiency ratio | 68.8801% | 4,347 |
Assets per employee ($millions) | 4.1015% | 3,547 |
Cash dividends to net income (ytd only)* | 19.0987% | 2,886 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6475% | 7,089 |
Loan loss allowance to noncurrent loans | 341.5541% | 934 |
Noncurrent assets plus other real estate owned to assets | 1.3674% | 4,175 |
Noncurrent loans to loans | 0.1896% | 6,525 |
Net loans and leases to total assets | 78.8002% | 670 |
Net loans and leases to deposits | 98.3947% | 576 |
Net loans and leases to core deposits | 102.3365% | 1,156 |
Total domestic deposits to total assets | 80.0858% | 5,800 |
Equity capital to assets | 8.2059% | 6,506 |
Core capital (leverage) ratio | 8.7991% | 5,050 |
Tier 1 risk-based capital ratio | 14.1187% | 4,087 |
Total risk-based capital ratio | 15.0013% | 4,316 |
Memoranda: | ||
Average total assets | $188,414,000 | 3,246 |
Average earning assets | $172,987,670 | 3,224 |
Average equity | $15,687,670 | 3,785 |
Average total loans | $143,536,670 | 2,783 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7568% | 795 |
Cost of funding earning assets | 1.1858% | 2,909 |
Net interest margin | 4.5709% | 917 |
Noninterest income to average assets | 0.7036% | 2,557 |
Noninterest expense to average assets | 3.4400% | 2,174 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.0468% | 2,011 |
Return on assets (ROA) | 1.0468% | 2,063 |
Pretax return on assets | 1.4659% | 1,552 |
Return on Equity (ROE) | 12.4757% | 1,332 |
Retained earnings to average equity (ytd only) | 11.4663% | 818 |
Net charge-offs to loans | 0.2652% | 3,009 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 7.4176% | 1,950 |
Efficiency ratio | 70.1195% | 4,242 |
Assets per employee ($millions) | 3.7018% | 4,536 |
Cash dividends to net income (ytd only)* | 8.0913% | 2,414 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7882% | 6,944 |
Loan loss allowance to noncurrent loans | 277.2973% | 1,096 |
Noncurrent assets plus other real estate owned to assets | 1.5069% | 3,995 |
Noncurrent loans to loans | 0.2843% | 6,420 |
Net loans and leases to total assets | 69.7701% | 2,175 |
Net loans and leases to deposits | 80.6853% | 2,573 |
Net loans and leases to core deposits | 83.8535% | 3,183 |
Total domestic deposits to total assets | 86.4718% | 3,254 |
Equity capital to assets | 8.4814% | 5,938 |
Core capital (leverage) ratio | 8.6499% | 5,170 |
Tier 1 risk-based capital ratio | 14.6106% | 3,669 |
Total risk-based capital ratio | 15.5557% | 3,825 |
Memoranda: | ||
Average total assets | $184,186,000 | 3,335 |
Average earning assets | $169,331,500 | 3,309 |
Average equity | $15,454,000 | 3,820 |
Average total loans | $137,232,500 | 2,938 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5057% | 316 |
Cost of funding earning assets | 1.4444% | 2,994 |
Net interest margin | 5.0613% | 382 |
Noninterest income to average assets | 0.6852% | 2,933 |
Noninterest expense to average assets | 3.4038% | 2,429 |
Loan and lease loss provision to assets | 0.1851% | 5,381 |
Net operating income to assets | 1.1546% | 1,531 |
Return on assets (ROA) | 1.2798% | 1,286 |
Pretax return on assets | 1.8987% | 613 |
Return on Equity (ROE) | 16.5808% | 515 |
Retained earnings to average equity (ytd only) | 14.9488% | 129 |
Net charge-offs to loans | 0.1640% | 5,351 |
Credit loss provision to net charge-offs | 143.2773% | 2,605 |
Earnings coverage of net charge-offs (x) | 14.6807% | 1,323 |
Efficiency ratio | 64.2118% | 5,309 |
Assets per employee ($millions) | 3.5247% | 4,879 |
Cash dividends to net income (ytd only)* | 9.8430% | 3,764 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7741% | 7,024 |
Loan loss allowance to noncurrent loans | 114.3296% | 2,546 |
Noncurrent assets plus other real estate owned to assets | 1.6635% | 3,807 |
Noncurrent loans to loans | 0.6770% | 5,692 |
Net loans and leases to total assets | 78.1225% | 929 |
Net loans and leases to deposits | 91.3945% | 1,336 |
Net loans and leases to core deposits | 95.2364% | 2,097 |
Total domestic deposits to total assets | 85.4783% | 3,611 |
Equity capital to assets | 8.2986% | 6,149 |
Core capital (leverage) ratio | 8.0545% | 6,112 |
Tier 1 risk-based capital ratio | 14.1528% | 3,766 |
Total risk-based capital ratio | 15.1780% | 3,885 |
Memoranda: | ||
Average total assets | $184,175,000 | 3,309 |
Average earning assets | $167,961,600 | 3,317 |
Average equity | $14,215,200 | 4,101 |
Average total loans | $145,152,600 | 2,851 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2672% | 541 |
Cost of funding earning assets | 1.4804% | 3,085 |
Net interest margin | 4.7868% | 694 |
Noninterest income to average assets | 0.6428% | 3,169 |
Noninterest expense to average assets | 3.3261% | 2,496 |
Loan and lease loss provision to assets | 0.2017% | 5,033 |
Net operating income to assets | 0.9931% | 2,258 |
Return on assets (ROA) | 1.1598% | 1,802 |
Pretax return on assets | 1.7216% | 1,071 |
Return on Equity (ROE) | 15.3124% | 807 |
Retained earnings to average equity (ytd only) | 13.4700% | 305 |
Net charge-offs to loans | 0.2385% | 4,514 |
Credit loss provision to net charge-offs | 107.3077% | 3,975 |
Earnings coverage of net charge-offs (x) | 8.9076% | 2,094 |
Efficiency ratio | 66.5124% | 4,751 |
Assets per employee ($millions) | 4.2225% | 3,404 |
Cash dividends to net income (ytd only)* | 12.0326% | 3,259 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5930% | 7,361 |
Loan loss allowance to noncurrent loans | 86.6611% | 3,155 |
Noncurrent assets plus other real estate owned to assets | 1.4277% | 4,315 |
Noncurrent loans to loans | 0.6843% | 5,835 |
Net loans and leases to total assets | 83.6966% | 348 |
Net loans and leases to deposits | 114.6594% | 181 |
Net loans and leases to core deposits | 120.1353% | 606 |
Total domestic deposits to total assets | 72.9958% | 7,030 |
Equity capital to assets | 7.0923% | 7,307 |
Core capital (leverage) ratio | 8.0125% | 6,331 |
Tier 1 risk-based capital ratio | 12.1913% | 5,281 |
Total risk-based capital ratio | 13.0477% | 5,623 |
Memoranda: | ||
Average total assets | $184,397,750 | 3,355 |
Average earning assets | $167,874,750 | 3,364 |
Average equity | $13,966,500 | 4,207 |
Average total loans | $145,365,000 | 2,888 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2248% | 592 |
Cost of funding earning assets | 1.6066% | 2,615 |
Net interest margin | 4.6182% | 958 |
Noninterest income to average assets | 0.5845% | 3,450 |
Noninterest expense to average assets | 3.4574% | 2,131 |
Loan and lease loss provision to assets | 0.2103% | 4,774 |
Net operating income to assets | 0.7567% | 3,163 |
Return on assets (ROA) | 0.8683% | 2,797 |
Pretax return on assets | 1.2459% | 2,271 |
Return on Equity (ROE) | 11.1866% | 1,689 |
Retained earnings to average equity (ytd only) | 10.0505% | 835 |
Net charge-offs to loans | 0.2932% | 3,858 |
Credit loss provision to net charge-offs | 93.4673% | 4,316 |
Earnings coverage of net charge-offs (x) | 5.7638% | 2,603 |
Efficiency ratio | 72.7229% | 3,706 |
Assets per employee ($millions) | 3.6030% | 4,688 |
Cash dividends to net income (ytd only)* | 10.1563% | 3,160 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6673% | 7,310 |
Loan loss allowance to noncurrent loans | 157.6378% | 1,776 |
Noncurrent assets plus other real estate owned to assets | 1.3121% | 4,522 |
Noncurrent loans to loans | 0.4233% | 6,395 |
Net loans and leases to total assets | 81.0964% | 658 |
Net loans and leases to deposits | 102.4700% | 570 |
Net loans and leases to core deposits | 107.6495% | 1,330 |
Total domestic deposits to total assets | 79.1416% | 5,998 |
Equity capital to assets | 7.6494% | 7,024 |
Core capital (leverage) ratio | 7.9766% | 6,299 |
Tier 1 risk-based capital ratio | 12.5474% | 4,812 |
Total risk-based capital ratio | 13.4456% | 5,106 |
Memoranda: | ||
Average total assets | $176,896,670 | 3,488 |
Average earning assets | $159,716,000 | 3,521 |
Average equity | $13,730,670 | 4,262 |
Average total loans | $135,752,670 | 3,086 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0883% | 796 |
Cost of funding earning assets | 1.7085% | 2,348 |
Net interest margin | 4.3797% | 1,446 |
Noninterest income to average assets | 0.7540% | 2,277 |
Noninterest expense to average assets | 3.4565% | 2,086 |
Loan and lease loss provision to assets | 0.2144% | 4,367 |
Net operating income to assets | 0.6904% | 3,483 |
Return on assets (ROA) | 0.8001% | 3,065 |
Pretax return on assets | 1.1553% | 2,534 |
Return on Equity (ROE) | 10.2300% | 2,029 |
Retained earnings to average equity (ytd only) | 9.0802% | 1,379 |
Net charge-offs to loans | 0.2364% | 3,521 |
Credit loss provision to net charge-offs | 122.3684% | 2,860 |
Earnings coverage of net charge-offs (x) | 6.9079% | 2,150 |
Efficiency ratio | 74.0613% | 3,565 |
Assets per employee ($millions) | 3.3004% | 5,540 |
Cash dividends to net income (ytd only)* | 11.2392% | 2,393 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8331% | 7,044 |
Loan loss allowance to noncurrent loans | 47.9312% | 5,147 |
Noncurrent assets plus other real estate owned to assets | 1.5093% | 4,239 |
Noncurrent loans to loans | 1.7382% | 4,144 |
Net loans and leases to total assets | 70.1576% | 2,895 |
Net loans and leases to deposits | 84.7068% | 2,817 |
Net loans and leases to core deposits | 88.8052% | 3,520 |
Total domestic deposits to total assets | 82.8240% | 4,706 |
Equity capital to assets | 7.8316% | 6,823 |
Core capital (leverage) ratio | 7.9075% | 6,371 |
Tier 1 risk-based capital ratio | 12.7877% | 4,496 |
Total risk-based capital ratio | 13.7570% | 4,692 |
Memoranda: | ||
Average total assets | $173,468,500 | 3,603 |
Average earning assets | $154,987,000 | 3,669 |
Average equity | $13,568,000 | 4,338 |
Average total loans | $128,620,000 | 3,285 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9518% | 301 |
Cost of funding earning assets | 2.0661% | 2,650 |
Net interest margin | 4.8857% | 578 |
Noninterest income to average assets | 0.6489% | 3,301 |
Noninterest expense to average assets | 3.5429% | 2,284 |
Loan and lease loss provision to assets | 0.2185% | 5,614 |
Net operating income to assets | 0.8263% | 2,428 |
Return on assets (ROA) | 1.0256% | 1,803 |
Pretax return on assets | 1.6299% | 902 |
Return on Equity (ROE) | 13.3234% | 896 |
Retained earnings to average equity (ytd only) | 11.5041% | 248 |
Net charge-offs to loans | 0.1721% | 5,570 |
Credit loss provision to net charge-offs | 160.1770% | 2,785 |
Earnings coverage of net charge-offs (x) | 11.2655% | 1,605 |
Efficiency ratio | 69.7445% | 4,683 |
Assets per employee ($millions) | 3.1855% | 5,753 |
Cash dividends to net income (ytd only)* | 13.6551% | 3,810 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7596% | 7,234 |
Loan loss allowance to noncurrent loans | 58.5789% | 4,484 |
Noncurrent assets plus other real estate owned to assets | 1.2603% | 4,566 |
Noncurrent loans to loans | 1.2967% | 4,763 |
Net loans and leases to total assets | 77.0129% | 1,583 |
Net loans and leases to deposits | 93.8003% | 1,618 |
Net loans and leases to core deposits | 129.2398% | 1,322 |
Total domestic deposits to total assets | 82.1030% | 4,903 |
Equity capital to assets | 7.8114% | 6,754 |
Core capital (leverage) ratio | 7.7976% | 6,456 |
Tier 1 risk-based capital ratio | 12.2075% | 4,764 |
Total risk-based capital ratio | 13.1387% | 5,005 |
Memoranda: | ||
Average total assets | $165,653,800 | 3,677 |
Average earning assets | $150,234,800 | 3,712 |
Average equity | $12,752,000 | 4,574 |
Average total loans | $131,337,800 | 3,245 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0995% | 262 |
Cost of funding earning assets | 2.1238% | 2,783 |
Net interest margin | 4.9757% | 468 |
Noninterest income to average assets | 0.6932% | 3,067 |
Noninterest expense to average assets | 3.5026% | 2,278 |
Loan and lease loss provision to assets | 0.2942% | 4,620 |
Net operating income to assets | 0.8596% | 2,577 |
Return on assets (ROA) | 1.1280% | 1,715 |
Pretax return on assets | 1.8415% | 744 |
Return on Equity (ROE) | 14.7099% | 808 |
Retained earnings to average equity (ytd only) | 12.6645% | 289 |
Net charge-offs to loans | 0.2915% | 4,206 |
Credit loss provision to net charge-offs | 126.5734% | 3,971 |
Earnings coverage of net charge-offs (x) | 7.3847% | 2,413 |
Efficiency ratio | 67.1130% | 5,161 |
Assets per employee ($millions) | 3.2388% | 5,548 |
Cash dividends to net income (ytd only)* | 13.9051% | 3,416 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7940% | 7,142 |
Loan loss allowance to noncurrent loans | 100.3155% | 2,766 |
Noncurrent assets plus other real estate owned to assets | 1.0664% | 4,944 |
Noncurrent loans to loans | 0.7915% | 5,712 |
Net loans and leases to total assets | 70.7711% | 3,324 |
Net loans and leases to deposits | 86.7482% | 3,176 |
Net loans and leases to core deposits | 118.0025% | 2,412 |
Total domestic deposits to total assets | 81.5822% | 4,841 |
Equity capital to assets | 7.7628% | 7,074 |
Core capital (leverage) ratio | 7.8737% | 6,541 |
Tier 1 risk-based capital ratio | 12.0828% | 4,893 |
Total risk-based capital ratio | 12.9680% | 5,172 |
Memoranda: | ||
Average total assets | $164,062,750 | 3,721 |
Average earning assets | $149,228,250 | 3,737 |
Average equity | $12,580,750 | 4,640 |
Average total loans | $130,799,750 | 3,290 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.2636% | 220 |
Cost of funding earning assets | 2.1846% | 2,861 |
Net interest margin | 5.0790% | 371 |
Noninterest income to average assets | 0.7011% | 2,989 |
Noninterest expense to average assets | 3.5311% | 2,245 |
Loan and lease loss provision to assets | 0.2767% | 4,364 |
Net operating income to assets | 0.8962% | 2,469 |
Return on assets (ROA) | 1.2213% | 1,500 |
Pretax return on assets | 2.0651% | 474 |
Return on Equity (ROE) | 15.9951% | 696 |
Retained earnings to average equity (ytd only) | 14.7225% | 218 |
Net charge-offs to loans | 0.3409% | 3,471 |
Credit loss provision to net charge-offs | 98.2533% | 4,671 |
Earnings coverage of net charge-offs (x) | 6.5109% | 2,601 |
Efficiency ratio | 65.8184% | 5,575 |
Assets per employee ($millions) | 3.1214% | 5,804 |
Cash dividends to net income (ytd only)* | 7.9557% | 3,432 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6694% | 7,486 |
Loan loss allowance to noncurrent loans | 47.6814% | 5,181 |
Noncurrent assets plus other real estate owned to assets | 1.6025% | 3,812 |
Noncurrent loans to loans | 1.4039% | 4,409 |
Net loans and leases to total assets | 79.9030% | 1,330 |
Net loans and leases to deposits | 97.9185% | 1,528 |
Net loans and leases to core deposits | 130.9052% | 1,493 |
Total domestic deposits to total assets | 81.6016% | 4,858 |
Equity capital to assets | 7.8071% | 6,968 |
Core capital (leverage) ratio | 7.8025% | 6,610 |
Tier 1 risk-based capital ratio | 11.7988% | 5,104 |
Total risk-based capital ratio | 12.6082% | 5,450 |
Memoranda: | ||
Average total assets | $162,610,670 | 3,767 |
Average earning assets | $149,320,330 | 3,760 |
Average equity | $12,416,330 | 4,703 |
Average total loans | $134,351,000 | 3,260 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.3365% | 212 |
Cost of funding earning assets | 2.2289% | 3,015 |
Net interest margin | 5.1076% | 329 |
Noninterest income to average assets | 0.6439% | 3,239 |
Noninterest expense to average assets | 3.4702% | 2,170 |
Loan and lease loss provision to assets | 0.1843% | 4,597 |
Net operating income to assets | 1.1579% | 1,777 |
Return on assets (ROA) | 1.8481% | 536 |
Pretax return on assets | 2.7181% | 173 |
Return on Equity (ROE) | 24.4782% | 206 |
Retained earnings to average equity (ytd only) | 23.2087% | 108 |
Net charge-offs to loans | 0.4228% | 2,410 |
Credit loss provision to net charge-offs | 52.0833% | 4,643 |
Earnings coverage of net charge-offs (x) | 5.3333% | 2,690 |
Efficiency ratio | 64.7706% | 5,552 |
Assets per employee ($millions) | 3.2611% | 5,418 |
Cash dividends to net income (ytd only)* | 5.1862% | 2,781 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5826% | 7,689 |
Loan loss allowance to noncurrent loans | 61.1952% | 4,521 |
Noncurrent assets plus other real estate owned to assets | 1.2705% | 4,134 |
Noncurrent loans to loans | 0.9520% | 5,093 |
Net loans and leases to total assets | 83.0053% | 845 |
Net loans and leases to deposits | 106.1269% | 854 |
Net loans and leases to core deposits | 141.0450% | 1,061 |
Total domestic deposits to total assets | 78.2133% | 5,939 |
Equity capital to assets | 7.5464% | 7,315 |
Core capital (leverage) ratio | 7.7142% | 6,870 |
Tier 1 risk-based capital ratio | 11.2471% | 5,648 |
Total risk-based capital ratio | 11.9727% | 6,070 |
Memoranda: | ||
Average total assets | $162,759,500 | 3,779 |
Average earning assets | $150,207,500 | 3,750 |
Average equity | $12,288,500 | 4,757 |
Average total loans | $136,243,000 | 3,243 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.4683% | 437 |
Cost of funding earning assets | 2.5595% | 3,906 |
Net interest margin | 4.9088% | 625 |
Noninterest income to average assets | 0.6898% | 3,184 |
Noninterest expense to average assets | 3.2882% | 3,004 |
Loan and lease loss provision to assets | 0.3870% | 3,373 |
Net operating income to assets | 0.9989% | 2,565 |
Return on assets (ROA) | 1.0424% | 2,280 |
Pretax return on assets | 1.5761% | 1,459 |
Return on Equity (ROE) | 13.9153% | 1,126 |
Retained earnings to average equity (ytd only) | 12.0558% | 221 |
Net charge-offs to loans | 0.4531% | 2,575 |
Credit loss provision to net charge-offs | 103.2316% | 5,177 |
Earnings coverage of net charge-offs (x) | 5.0610% | 3,766 |
Efficiency ratio | 63.4134% | 5,690 |
Assets per employee ($millions) | 2.9482% | 6,175 |
Cash dividends to net income (ytd only)* | 13.3635% | 4,609 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6571% | 7,533 |
Loan loss allowance to noncurrent loans | 74.0928% | 4,370 |
Noncurrent assets plus other real estate owned to assets | 1.0961% | 4,092 |
Noncurrent loans to loans | 0.8868% | 4,846 |
Net loans and leases to total assets | 83.3827% | 979 |
Net loans and leases to deposits | 112.3898% | 684 |
Net loans and leases to core deposits | 146.3212% | 1,007 |
Total domestic deposits to total assets | 74.1907% | 6,623 |
Equity capital to assets | 7.5539% | 7,337 |
Core capital (leverage) ratio | 7.9129% | 6,634 |
Tier 1 risk-based capital ratio | 10.6858% | 6,014 |
Total risk-based capital ratio | 11.4792% | 6,352 |
Memoranda: | ||
Average total assets | $148,593,800 | 3,929 |
Average earning assets | $136,082,400 | 3,926 |
Average equity | $11,131,600 | 5,090 |
Average total loans | $122,936,400 | 3,397 |