Home > Stifel Trust Company > Performance and Condition Ratios
Stifel Trust Company, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9553% | 2,164 |
Cost of funding earning assets | 0.5751% | 4,107 |
Net interest margin | 4.3802% | 723 |
Noninterest income to average assets | 2.3500% | 231 |
Noninterest expense to average assets | 2.1612% | 3,220 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 3.3407% | 135 |
Return on assets (ROA) | 3.3407% | 133 |
Pretax return on assets | 4.4436% | 100 |
Return on Equity (ROE) | 60.9400% | 38 |
Retained earnings to average equity (ytd only) | 40.3168% | 27 |
Net charge-offs to loans | 0.0000% | 2,917 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 32.7223% | 4,476 |
Assets per employee ($millions) | 20.4719% | 94 |
Cash dividends to net income (ytd only)* | 33.8398% | 2,397 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,458 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 0.0000% | 4,475 |
Net loans and leases to deposits | 0.0000% | 4,474 |
Net loans and leases to core deposits | 0.0000% | 4,493 |
Total domestic deposits to total assets | 91.8000% | 338 |
Equity capital to assets | 7.2117% | 3,857 |
Core capital (leverage) ratio | 10.2090% | 2,591 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 38.7390% | 159 |
Memoranda: | ||
Average total assets | $884,581,200 | 1,099 |
Average earning assets | $859,123,200 | 1,045 |
Average equity | $48,493,400 | 1,647 |
Average total loans | $0 | 4,477 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9144% | 2,028 |
Cost of funding earning assets | 0.6379% | 3,903 |
Net interest margin | 4.2764% | 827 |
Noninterest income to average assets | 2.3200% | 249 |
Noninterest expense to average assets | 2.1020% | 3,353 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 3.1783% | 164 |
Return on assets (ROA) | 3.1783% | 163 |
Pretax return on assets | 4.3660% | 112 |
Return on Equity (ROE) | 63.2200% | 50 |
Retained earnings to average equity (ytd only) | 32.9269% | 66 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 32.4982% | 4,494 |
Assets per employee ($millions) | 21.5483% | 83 |
Cash dividends to net income (ytd only)* | 47.9203% | 1,334 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,482 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 0.0000% | 4,500 |
Net loans and leases to deposits | 0.0000% | 4,499 |
Net loans and leases to core deposits | 0.0000% | 4,490 |
Total domestic deposits to total assets | 94.4600% | 149 |
Equity capital to assets | 4.7970% | 4,288 |
Core capital (leverage) ratio | 9.0742% | 3,704 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 34.1487% | 202 |
Memoranda: | ||
Average total assets | $875,417,750 | 1,113 |
Average earning assets | $849,379,500 | 1,058 |
Average equity | $44,007,500 | 1,750 |
Average total loans | $0 | 4,502 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7305% | 2,148 |
Cost of funding earning assets | 0.7356% | 3,388 |
Net interest margin | 3.9949% | 1,254 |
Noninterest income to average assets | 2.2400% | 221 |
Noninterest expense to average assets | 1.9953% | 3,613 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 2.9993% | 152 |
Return on assets (ROA) | 2.9993% | 152 |
Pretax return on assets | 4.1202% | 109 |
Return on Equity (ROE) | 58.7300% | 49 |
Retained earnings to average equity (ytd only) | 13.4825% | 747 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 32.6268% | 4,525 |
Assets per employee ($millions) | 20.9468% | 86 |
Cash dividends to net income (ytd only)* | 77.0416% | 604 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,517 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 0.0000% | 4,533 |
Net loans and leases to deposits | 0.0000% | 4,532 |
Net loans and leases to core deposits | 0.0000% | 4,550 |
Total domestic deposits to total assets | 94.5300% | 118 |
Equity capital to assets | 4.8077% | 4,405 |
Core capital (leverage) ratio | 8.3829% | 4,205 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 31.9019% | 223 |
Memoranda: | ||
Average total assets | $865,548,000 | 1,110 |
Average earning assets | $840,411,667 | 1,062 |
Average equity | $44,205,333 | 1,745 |
Average total loans | $0 | 4,533 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7051% | 1,840 |
Cost of funding earning assets | 0.8518% | 2,529 |
Net interest margin | 3.8532% | 1,572 |
Noninterest income to average assets | 2.2600% | 208 |
Noninterest expense to average assets | 1.8627% | 3,927 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 3.0095% | 152 |
Return on assets (ROA) | 3.0095% | 153 |
Pretax return on assets | 4.1328% | 107 |
Return on Equity (ROE) | 57.0800% | 62 |
Retained earnings to average equity (ytd only) | 57.0840% | 34 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 31.0683% | 4,599 |
Assets per employee ($millions) | 19.1436% | 105 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,580 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 0.0000% | 4,605 |
Net loans and leases to deposits | 0.0000% | 4,604 |
Net loans and leases to core deposits | 0.0000% | 4,587 |
Total domestic deposits to total assets | 92.6300% | 368 |
Equity capital to assets | 6.1967% | 4,140 |
Core capital (leverage) ratio | 9.2433% | 3,485 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 32.9692% | 216 |
Memoranda: | ||
Average total assets | $837,492,000 | 1,153 |
Average earning assets | $812,824,500 | 1,110 |
Average equity | $44,152,500 | 1,763 |
Average total loans | $0 | 4,605 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5349% | 4,490 |
Cost of funding earning assets | 0.4109% | 2,008 |
Net interest margin | 2.1240% | 4,506 |
Noninterest income to average assets | 2.1700% | 222 |
Noninterest expense to average assets | 1.7035% | 4,172 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 1.9053% | 348 |
Return on assets (ROA) | 1.9053% | 339 |
Pretax return on assets | 2.5376% | 204 |
Return on Equity (ROE) | 35.9200% | 70 |
Retained earnings to average equity (ytd only) | 18.7767% | 116 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 40.1673% | 4,533 |
Assets per employee ($millions) | 19.8095% | 97 |
Cash dividends to net income (ytd only)* | 47.7298% | 1,515 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,606 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 0.0000% | 4,635 |
Net loans and leases to deposits | 0.0000% | 4,634 |
Net loans and leases to core deposits | 0.0000% | 4,617 |
Total domestic deposits to total assets | 94.7100% | 172 |
Equity capital to assets | 4.3783% | 4,472 |
Core capital (leverage) ratio | 8.4111% | 4,194 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.8164% | 243 |
Memoranda: | ||
Average total assets | $879,692,800 | 1,097 |
Average earning assets | $858,597,000 | 1,047 |
Average equity | $46,658,800 | 1,717 |
Average total loans | $0 | 4,639 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1231% | 4,581 |
Cost of funding earning assets | 0.2414% | 2,805 |
Net interest margin | 1.8817% | 4,588 |
Noninterest income to average assets | 2.1800% | 244 |
Noninterest expense to average assets | 1.7103% | 4,134 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.6777% | 558 |
Return on assets (ROA) | 1.6777% | 546 |
Pretax return on assets | 2.3123% | 266 |
Return on Equity (ROE) | 30.3600% | 100 |
Retained earnings to average equity (ytd only) | 8.5903% | 1,792 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 42.5180% | 4,511 |
Assets per employee ($millions) | 20.9609% | 96 |
Cash dividends to net income (ytd only)* | 71.7039% | 580 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,653 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 0.0000% | 4,679 |
Net loans and leases to deposits | 0.0000% | 4,678 |
Net loans and leases to core deposits | 0.0000% | 4,661 |
Total domestic deposits to total assets | 95.9500% | 136 |
Equity capital to assets | 3.2860% | 4,568 |
Core capital (leverage) ratio | 7.4848% | 4,581 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.0635% | 342 |
Memoranda: | ||
Average total assets | $886,663,500 | 1,097 |
Average earning assets | $866,764,500 | 1,044 |
Average equity | $48,999,750 | 1,665 |
Average total loans | $0 | 4,681 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6926% | 4,682 |
Cost of funding earning assets | 0.0321% | 4,685 |
Net interest margin | 1.6605% | 4,662 |
Noninterest income to average assets | 2.1993% | 206 |
Noninterest expense to average assets | 1.7326% | 4,090 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.5225% | 669 |
Return on assets (ROA) | 1.5225% | 649 |
Pretax return on assets | 2.0959% | 298 |
Return on Equity (ROE) | 24.3886% | 130 |
Retained earnings to average equity (ytd only) | -4.2239% | 4,506 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.2557% | 4,484 |
Assets per employee ($millions) | 22.3566% | 79 |
Cash dividends to net income (ytd only)* | 117.3193% | 249 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,740 |
Net loans and leases to deposits | 0.0000% | 4,740 |
Net loans and leases to core deposits | 0.0000% | 4,730 |
Total domestic deposits to total assets | 94.7715% | 167 |
Equity capital to assets | 4.6427% | 4,541 |
Core capital (leverage) ratio | 7.1707% | 4,640 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.0543% | 365 |
Memoranda: | ||
Average total assets | $895,752,667 | 1,077 |
Average earning assets | $878,897,000 | 1,037 |
Average equity | $55,919,667 | 1,526 |
Average total loans | NA | NA |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.4966% | 4,721 |
Cost of funding earning assets | 0.0094% | 4,758 |
Net interest margin | 1.4872% | 4,701 |
Noninterest income to average assets | 2.2568% | 201 |
Noninterest expense to average assets | 1.7416% | 4,069 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 1.4375% | 730 |
Return on assets (ROA) | 1.4375% | 728 |
Pretax return on assets | 1.9791% | 376 |
Return on Equity (ROE) | 20.5030% | 216 |
Retained earnings to average equity (ytd only) | 20.5030% | 90 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.8080% | 4,461 |
Assets per employee ($millions) | 26.7222% | 58 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,768 |
Net loans and leases to deposits | 0.0000% | 4,768 |
Net loans and leases to core deposits | 0.0000% | 4,758 |
Total domestic deposits to total assets | 93.1083% | 248 |
Equity capital to assets | 6.2596% | 4,512 |
Core capital (leverage) ratio | 7.2555% | 4,637 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.9187% | 229 |
Memoranda: | ||
Average total assets | $907,675,000 | 1,071 |
Average earning assets | $893,508,500 | 1,022 |
Average equity | $63,639,500 | 1,420 |
Average total loans | NA | NA |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.4226% | 4,755 |
Cost of funding earning assets | 0.0093% | 4,802 |
Net interest margin | 1.4134% | 4,737 |
Noninterest income to average assets | 2.1513% | 276 |
Noninterest expense to average assets | 1.6589% | 4,354 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 1.4009% | 1,276 |
Return on assets (ROA) | 1.4009% | 1,329 |
Pretax return on assets | 1.8867% | 744 |
Return on Equity (ROE) | 16.7470% | 630 |
Retained earnings to average equity (ytd only) | 3.0849% | 3,598 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.7881% | 4,466 |
Assets per employee ($millions) | 23.2512% | 75 |
Cash dividends to net income (ytd only)* | 81.5794% | 471 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,813 |
Net loans and leases to deposits | 0.0000% | 4,812 |
Net loans and leases to core deposits | 0.0000% | 4,801 |
Total domestic deposits to total assets | 91.6138% | 283 |
Equity capital to assets | 7.7644% | 4,486 |
Core capital (leverage) ratio | 7.4073% | 4,645 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 30.4328% | 230 |
Memoranda: | ||
Average total assets | $875,023,000 | 1,069 |
Average earning assets | $863,251,400 | 1,017 |
Average equity | $73,195,200 | 1,302 |
Average total loans | NA | NA |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.4321% | 4,836 |
Cost of funding earning assets | 0.0094% | 4,879 |
Net interest margin | 1.4227% | 4,821 |
Noninterest income to average assets | 2.1137% | 321 |
Noninterest expense to average assets | 1.6556% | 4,398 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.3622% | 1,650 |
Return on assets (ROA) | 1.3622% | 1,707 |
Pretax return on assets | 1.8614% | 1,021 |
Return on Equity (ROE) | 15.9850% | 956 |
Retained earnings to average equity (ytd only) | -2.0588% | 4,703 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.0750% | 4,437 |
Assets per employee ($millions) | 22.5581% | 81 |
Cash dividends to net income (ytd only)* | 112.8796% | 118 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,885 |
Net loans and leases to deposits | 0.0000% | 4,885 |
Net loans and leases to core deposits | 0.0000% | 4,874 |
Total domestic deposits to total assets | 90.7928% | 436 |
Equity capital to assets | 8.1806% | 4,422 |
Core capital (leverage) ratio | 7.2607% | 4,759 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 33.7719% | 184 |
Memoranda: | ||
Average total assets | $867,080,000 | 1,084 |
Average earning assets | $855,251,250 | 1,037 |
Average equity | $73,892,250 | 1,308 |
Average total loans | NA | NA |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.3921% | 4,876 |
Cost of funding earning assets | 0.0091% | 4,914 |
Net interest margin | 1.3830% | 4,859 |
Noninterest income to average assets | 1.9523% | 342 |
Noninterest expense to average assets | 1.6000% | 4,511 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 1.2443% | 2,042 |
Return on assets (ROA) | 1.2443% | 2,103 |
Pretax return on assets | 1.7163% | 1,441 |
Return on Equity (ROE) | 14.4116% | 1,305 |
Retained earnings to average equity (ytd only) | 14.4116% | 496 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.2470% | 4,370 |
Assets per employee ($millions) | 24.8559% | 69 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,922 |
Net loans and leases to deposits | 0.0000% | 4,922 |
Net loans and leases to core deposits | 0.0000% | 4,911 |
Total domestic deposits to total assets | 90.1092% | 720 |
Equity capital to assets | 8.9776% | 3,815 |
Core capital (leverage) ratio | 8.0782% | 4,362 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 34.0920% | 190 |
Memoranda: | ||
Average total assets | $870,370,667 | 1,081 |
Average earning assets | $858,424,000 | 1,025 |
Average equity | $75,148,000 | 1,284 |
Average total loans | NA | NA |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.3043% | 4,920 |
Cost of funding earning assets | 0.0093% | 4,946 |
Net interest margin | 1.2950% | 4,896 |
Noninterest income to average assets | 1.9481% | 394 |
Noninterest expense to average assets | 1.5875% | 4,553 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.1868% | 2,202 |
Return on assets (ROA) | 1.1868% | 2,273 |
Pretax return on assets | 1.6375% | 1,629 |
Return on Equity (ROE) | 14.0244% | 1,425 |
Retained earnings to average equity (ytd only) | 14.0244% | 754 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.2235% | 4,251 |
Assets per employee ($millions) | 25.5061% | 65 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,950 |
Net loans and leases to deposits | 0.0000% | 4,950 |
Net loans and leases to core deposits | 0.0000% | 4,939 |
Total domestic deposits to total assets | 90.6307% | 531 |
Equity capital to assets | 8.5336% | 4,086 |
Core capital (leverage) ratio | 7.6855% | 4,723 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 33.8081% | 196 |
Memoranda: | ||
Average total assets | $870,577,000 | 1,074 |
Average earning assets | $858,368,000 | 1,014 |
Average equity | $73,671,500 | 1,299 |
Average total loans | NA | NA |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.3931% | 4,952 |
Cost of funding earning assets | 0.0378% | 4,953 |
Net interest margin | 1.3553% | 4,927 |
Noninterest income to average assets | 1.6983% | 440 |
Noninterest expense to average assets | 1.6796% | 4,640 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 0.9743% | 2,385 |
Return on assets (ROA) | 0.9743% | 2,530 |
Pretax return on assets | 1.3522% | 1,811 |
Return on Equity (ROE) | 12.5732% | 1,158 |
Retained earnings to average equity (ytd only) | 12.5732% | 269 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.3998% | 4,055 |
Assets per employee ($millions) | 24.9699% | 61 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,974 |
Net loans and leases to deposits | 0.0000% | 4,974 |
Net loans and leases to core deposits | 0.0000% | 4,963 |
Total domestic deposits to total assets | 90.4252% | 406 |
Equity capital to assets | 8.3917% | 4,522 |
Core capital (leverage) ratio | 7.5528% | 4,822 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 35.1117% | 174 |
Memoranda: | ||
Average total assets | $790,709,400 | 1,073 |
Average earning assets | $777,977,200 | 1,013 |
Average equity | $61,273,000 | 1,422 |
Average total loans | NA | NA |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.4990% | 4,994 |
Cost of funding earning assets | 0.0481% | 4,984 |
Net interest margin | 1.4510% | 4,967 |
Noninterest income to average assets | 1.6575% | 433 |
Noninterest expense to average assets | 1.6753% | 4,657 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 1.0122% | 2,293 |
Return on assets (ROA) | 1.0122% | 2,425 |
Pretax return on assets | 1.4095% | 1,700 |
Return on Equity (ROE) | 13.3773% | 1,012 |
Retained earnings to average equity (ytd only) | 13.3773% | 295 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.3087% | 4,117 |
Assets per employee ($millions) | 26.3819% | 52 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,006 |
Net loans and leases to deposits | 0.0000% | 5,006 |
Net loans and leases to core deposits | 0.0000% | 4,995 |
Total domestic deposits to total assets | 90.4766% | 290 |
Equity capital to assets | 8.4408% | 4,493 |
Core capital (leverage) ratio | 7.5070% | 4,862 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 37.2037% | 163 |
Memoranda: | ||
Average total assets | $769,900,000 | 1,078 |
Average earning assets | $757,351,500 | 1,020 |
Average equity | $58,256,500 | 1,474 |
Average total loans | NA | NA |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.5114% | 5,038 |
Cost of funding earning assets | 0.0688% | 5,007 |
Net interest margin | 1.4426% | 5,015 |
Noninterest income to average assets | 1.6413% | 388 |
Noninterest expense to average assets | 1.6848% | 4,699 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.9868% | 2,374 |
Return on assets (ROA) | 0.9868% | 2,507 |
Pretax return on assets | 1.3744% | 1,790 |
Return on Equity (ROE) | 13.6103% | 952 |
Retained earnings to average equity (ytd only) | 13.6103% | 302 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.0728% | 4,053 |
Assets per employee ($millions) | 24.5441% | 54 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,039 |
Net loans and leases to deposits | 0.0000% | 5,039 |
Net loans and leases to core deposits | 0.0000% | 5,027 |
Total domestic deposits to total assets | 90.4339% | 289 |
Equity capital to assets | 8.3037% | 4,590 |
Core capital (leverage) ratio | 7.0099% | 5,010 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 36.6325% | 166 |
Memoranda: | ||
Average total assets | $753,920,333 | 1,082 |
Average earning assets | $741,031,000 | 1,027 |
Average equity | $54,664,667 | 1,538 |
Average total loans | NA | NA |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.5615% | 5,100 |
Cost of funding earning assets | 0.1325% | 4,998 |
Net interest margin | 1.4290% | 5,082 |
Noninterest income to average assets | 1.9253% | 283 |
Noninterest expense to average assets | 1.7655% | 4,704 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.1026% | 1,831 |
Return on assets (ROA) | 1.1026% | 1,929 |
Pretax return on assets | 1.5622% | 1,151 |
Return on Equity (ROE) | 16.5478% | 378 |
Retained earnings to average equity (ytd only) | 16.5478% | 128 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.0551% | 4,463 |
Assets per employee ($millions) | 25.0336% | 48 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,086 |
Net loans and leases to deposits | 0.0000% | 5,086 |
Net loans and leases to core deposits | 0.0000% | 5,074 |
Total domestic deposits to total assets | 92.7119% | 17 |
Equity capital to assets | 6.4680% | 5,090 |
Core capital (leverage) ratio | 7.4805% | 5,050 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 42.7846% | 126 |
Memoranda: | ||
Average total assets | $725,902,500 | 1,079 |
Average earning assets | $712,371,500 | 1,021 |
Average equity | $48,369,000 | 1,708 |
Average total loans | NA | NA |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9710% | 5,145 |
Cost of funding earning assets | 0.4337% | 4,325 |
Net interest margin | 1.5374% | 5,135 |
Noninterest income to average assets | 3.7040% | 121 |
Noninterest expense to average assets | 3.7199% | 745 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.0142% | 2,797 |
Return on assets (ROA) | 1.0142% | 2,883 |
Pretax return on assets | 1.4775% | 1,875 |
Return on Equity (ROE) | 11.6113% | 1,652 |
Retained earnings to average equity (ytd only) | 11.6113% | 274 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.5728% | 1,935 |
Assets per employee ($millions) | 20.1837% | 58 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,149 |
Net loans and leases to deposits | 0.0000% | 5,149 |
Net loans and leases to core deposits | 0.0000% | 5,138 |
Total domestic deposits to total assets | 92.0909% | 33 |
Equity capital to assets | 6.9211% | 5,146 |
Core capital (leverage) ratio | 7.3160% | 5,115 |
Tier 1 risk-based capital ratio | 33.4154% | 377 |
Total risk-based capital ratio | 33.4154% | 401 |
Memoranda: | ||
Average total assets | $314,526,000 | 2,073 |
Average earning assets | $305,525,000 | 1,992 |
Average equity | $27,473,200 | 2,533 |
Average total loans | NA | NA |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0225% | 5,229 |
Cost of funding earning assets | 0.5179% | 4,073 |
Net interest margin | 1.5047% | 5,220 |
Noninterest income to average assets | 4.7580% | 96 |
Noninterest expense to average assets | 4.8610% | 228 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 0.9524% | 3,155 |
Return on assets (ROA) | 0.9524% | 3,232 |
Pretax return on assets | 1.3534% | 2,482 |
Return on Equity (ROE) | 9.5879% | 2,626 |
Retained earnings to average equity (ytd only) | 9.5879% | 872 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.2219% | 1,080 |
Assets per employee ($millions) | 18.0101% | 74 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,226 |
Net loans and leases to deposits | 0.0000% | 5,226 |
Net loans and leases to core deposits | 0.0000% | 5,215 |
Total domestic deposits to total assets | 92.4152% | 21 |
Equity capital to assets | 6.5848% | 5,235 |
Core capital (leverage) ratio | 7.7206% | 5,159 |
Tier 1 risk-based capital ratio | 30.6655% | 463 |
Total risk-based capital ratio | 30.6655% | 495 |
Memoranda: | ||
Average total assets | $236,733,500 | 2,561 |
Average earning assets | $229,145,500 | 2,497 |
Average equity | $23,515,250 | 2,849 |
Average total loans | NA | NA |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.1087% | 5,291 |
Cost of funding earning assets | 0.2085% | 5,055 |
Net interest margin | 0.9002% | 5,288 |
Noninterest income to average assets | 8.5255% | 64 |
Noninterest expense to average assets | 8.1689% | 92 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 0.8569% | 3,448 |
Return on assets (ROA) | 0.8569% | 3,504 |
Pretax return on assets | 1.2166% | 2,850 |
Return on Equity (ROE) | 5.8118% | 4,108 |
Retained earnings to average equity (ytd only) | 5.8118% | 2,363 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.0373% | 494 |
Assets per employee ($millions) | 11.6720% | 226 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,274 |
Net loans and leases to deposits | 0.0000% | 5,274 |
Net loans and leases to core deposits | 0.0000% | 5,263 |
Total domestic deposits to total assets | 91.1986% | 84 |
Equity capital to assets | 7.4403% | 5,241 |
Core capital (leverage) ratio | 24.2402% | 130 |
Tier 1 risk-based capital ratio | 38.9260% | 251 |
Total risk-based capital ratio | 38.9260% | 277 |
Memoranda: | ||
Average total assets | $129,540,670 | 3,625 |
Average earning assets | $123,748,670 | 3,568 |
Average equity | $19,099,000 | 3,238 |
Average total loans | NA | NA |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3485% | 5,345 |
Cost of funding earning assets | 0.0280% | 5,338 |
Net interest margin | 2.3205% | 5,250 |
Noninterest income to average assets | 55.6616% | 18 |
Noninterest expense to average assets | 51.2727% | 17 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 4.3057% | 50 |
Return on assets (ROA) | 4.3057% | 53 |
Pretax return on assets | 6.1153% | 41 |
Return on Equity (ROE) | 5.3002% | 4,249 |
Retained earnings to average equity (ytd only) | 5.3002% | 2,777 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.3440% | 421 |
Assets per employee ($millions) | 0.7943% | 5,321 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,335 |
Net loans and leases to deposits | 0.0000% | 5,334 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 2.4259% | 5,354 |
Equity capital to assets | 75.8910% | 27 |
Core capital (leverage) ratio | 81.5609% | 23 |
Tier 1 risk-based capital ratio | 197.2445% | 24 |
Total risk-based capital ratio | 197.2445% | 24 |
Memoranda: | ||
Average total assets | $19,230,500 | 5,303 |
Average earning assets | $14,307,000 | 5,319 |
Average equity | $15,622,000 | 3,628 |
Average total loans | NA | NA |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9981% | 5,369 |
Cost of funding earning assets | 0.0442% | 5,367 |
Net interest margin | 1.9539% | 5,338 |
Noninterest income to average assets | 70.1915% | 15 |
Noninterest expense to average assets | 59.6658% | 11 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 13.3614% | 12 |
Return on assets (ROA) | 13.3614% | 12 |
Pretax return on assets | 12.1417% | 21 |
Return on Equity (ROE) | 15.4503% | 732 |
Retained earnings to average equity (ytd only) | 15.4503% | 97 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.0913% | 703 |
Assets per employee ($millions) | 0.6850% | 5,371 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,379 |
Net loans and leases to deposits | 0.0000% | 5,379 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 2.8188% | 5,395 |
Equity capital to assets | 87.4333% | 19 |
Core capital (leverage) ratio | 89.3084% | 16 |
Tier 1 risk-based capital ratio | 297.2745% | 16 |
Total risk-based capital ratio | 297.2745% | 16 |
Memoranda: | ||
Average total assets | $16,398,000 | 5,370 |
Average earning assets | $13,562,800 | 5,368 |
Average equity | $14,181,000 | 3,728 |
Average total loans | NA | NA |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9308% | 5,443 |
Cost of funding earning assets | 0.0597% | 5,419 |
Net interest margin | 1.8711% | 5,420 |
Noninterest income to average assets | 70.1997% | 15 |
Noninterest expense to average assets | 60.5938% | 11 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 7.9440% | 23 |
Return on assets (ROA) | 7.9440% | 23 |
Pretax return on assets | 11.1681% | 21 |
Return on Equity (ROE) | 9.2141% | 2,996 |
Retained earnings to average equity (ytd only) | 9.2141% | 1,146 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.4372% | 621 |
Assets per employee ($millions) | 0.6825% | 5,441 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,450 |
Net loans and leases to deposits | 0.0000% | 5,450 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.0649% | 5,468 |
Equity capital to assets | 87.3924% | 17 |
Core capital (leverage) ratio | 86.0775% | 19 |
Tier 1 risk-based capital ratio | 294.6903% | 16 |
Total risk-based capital ratio | 294.6903% | 16 |
Memoranda: | ||
Average total assets | $16,045,250 | 5,442 |
Average earning assets | $13,396,250 | 5,440 |
Average equity | $13,833,500 | 3,797 |
Average total loans | NA | NA |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.6935% | 5,520 |
Cost of funding earning assets | 0.0450% | 5,495 |
Net interest margin | 1.6485% | 5,504 |
Noninterest income to average assets | 71.9844% | 15 |
Noninterest expense to average assets | 62.0811% | 12 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 8.0331% | 22 |
Return on assets (ROA) | 8.0331% | 22 |
Pretax return on assets | 11.2840% | 21 |
Return on Equity (ROE) | 9.3613% | 2,868 |
Retained earnings to average equity (ytd only) | 9.3613% | 1,103 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.6193% | 651 |
Assets per employee ($millions) | 0.6728% | 5,507 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,515 |
Net loans and leases to deposits | 0.0000% | 5,515 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.1211% | 5,532 |
Equity capital to assets | 86.7042% | 19 |
Core capital (leverage) ratio | 86.2944% | 20 |
Tier 1 risk-based capital ratio | 291.4863% | 17 |
Total risk-based capital ratio | 291.4863% | 17 |
Memoranda: | ||
Average total assets | $15,934,000 | 5,508 |
Average earning assets | $13,345,330 | 5,506 |
Average equity | $13,673,330 | 3,846 |
Average total loans | NA | NA |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.4970% | 5,593 |
Cost of funding earning assets | 0.0599% | 5,539 |
Net interest margin | 1.4371% | 5,585 |
Noninterest income to average assets | 74.2276% | 16 |
Noninterest expense to average assets | 64.8512% | 12 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 7.2029% | 25 |
Return on assets (ROA) | 7.2029% | 25 |
Pretax return on assets | 10.5895% | 20 |
Return on Equity (ROE) | 8.4385% | 3,175 |
Retained earnings to average equity (ytd only) | 8.4385% | 1,679 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.9631% | 654 |
Assets per employee ($millions) | 0.6483% | 5,570 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,578 |
Net loans and leases to deposits | 0.0000% | 5,578 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.2262% | 5,595 |
Equity capital to assets | 87.7057% | 17 |
Core capital (leverage) ratio | 83.3466% | 24 |
Tier 1 risk-based capital ratio | 306.5588% | 17 |
Total risk-based capital ratio | 306.5588% | 17 |
Memoranda: | ||
Average total assets | $15,827,000 | 5,574 |
Average earning assets | $13,360,000 | 5,567 |
Average equity | $13,509,500 | 3,902 |
Average total loans | NA | NA |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.1119% | 5,649 |
Cost of funding earning assets | 0.0568% | 5,604 |
Net interest margin | 1.0551% | 5,645 |
Noninterest income to average assets | 74.0558% | 16 |
Noninterest expense to average assets | 59.4846% | 13 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 8.1855% | 20 |
Return on assets (ROA) | 8.1855% | 20 |
Pretax return on assets | 15.4377% | 14 |
Return on Equity (ROE) | 9.5932% | 2,058 |
Retained earnings to average equity (ytd only) | 9.5932% | 409 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.3950% | 1,173 |
Assets per employee ($millions) | 0.6706% | 5,632 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,643 |
Net loans and leases to deposits | 0.0000% | 5,643 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.1316% | 5,660 |
Equity capital to assets | 83.0869% | 22 |
Core capital (leverage) ratio | 83.3344% | 19 |
Tier 1 risk-based capital ratio | 292.8907% | 17 |
Total risk-based capital ratio | 292.8907% | 17 |
Memoranda: | ||
Average total assets | $15,002,200 | 5,640 |
Average earning assets | $12,321,400 | 5,638 |
Average equity | $12,800,800 | 4,016 |
Average total loans | NA | NA |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.0570% | 5,724 |
Cost of funding earning assets | 0.0557% | 5,671 |
Net interest margin | 1.0015% | 5,722 |
Noninterest income to average assets | 74.5166% | 18 |
Noninterest expense to average assets | 59.4992% | 13 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 8.9344% | 21 |
Return on assets (ROA) | 8.9344% | 21 |
Pretax return on assets | 15.8320% | 16 |
Return on Equity (ROE) | 10.3964% | 1,951 |
Retained earnings to average equity (ytd only) | 10.3964% | 506 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.9834% | 1,216 |
Assets per employee ($millions) | 0.6491% | 5,699 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,709 |
Net loans and leases to deposits | 0.0000% | 5,709 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.2161% | 5,726 |
Equity capital to assets | 84.3690% | 22 |
Core capital (leverage) ratio | 85.1491% | 23 |
Tier 1 risk-based capital ratio | 278.7899% | 17 |
Total risk-based capital ratio | 278.7899% | 17 |
Memoranda: | ||
Average total assets | $14,729,250 | 5,708 |
Average earning assets | $11,982,500 | 5,703 |
Average equity | $12,658,000 | 4,074 |
Average total loans | NA | NA |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.9390% | 5,777 |
Cost of funding earning assets | 0.0512% | 5,719 |
Net interest margin | 0.8878% | 5,773 |
Noninterest income to average assets | 74.5657% | 17 |
Noninterest expense to average assets | 58.9215% | 13 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 9.3588% | 19 |
Return on assets (ROA) | 9.3588% | 19 |
Pretax return on assets | 16.3640% | 17 |
Return on Equity (ROE) | 10.8192% | 1,709 |
Retained earnings to average equity (ytd only) | 10.8192% | 465 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.2641% | 1,427 |
Assets per employee ($millions) | 0.6206% | 5,752 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,758 |
Net loans and leases to deposits | 0.0000% | 5,758 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.3705% | 5,777 |
Equity capital to assets | 86.1555% | 18 |
Core capital (leverage) ratio | 85.7891% | 21 |
Tier 1 risk-based capital ratio | 283.1589% | 19 |
Total risk-based capital ratio | 283.1589% | 19 |
Memoranda: | ||
Average total assets | $14,446,330 | 5,761 |
Average earning assets | $11,715,000 | 5,756 |
Average equity | $12,496,330 | 4,110 |
Average total loans | NA | NA |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.8701% | 5,846 |
Cost of funding earning assets | 0.0348% | 5,805 |
Net interest margin | 0.8353% | 5,845 |
Noninterest income to average assets | 73.3767% | 17 |
Noninterest expense to average assets | 57.1770% | 14 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 9.7029% | 18 |
Return on assets (ROA) | 9.7029% | 18 |
Pretax return on assets | 16.8747% | 16 |
Return on Equity (ROE) | 11.1936% | 1,500 |
Retained earnings to average equity (ytd only) | 11.1936% | 575 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.2123% | 1,732 |
Assets per employee ($millions) | 0.6020% | 5,819 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,827 |
Net loans and leases to deposits | 0.0000% | 5,825 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.4678% | 5,843 |
Equity capital to assets | 86.5301% | 19 |
Core capital (leverage) ratio | 86.0762% | 22 |
Tier 1 risk-based capital ratio | 279.4700% | 18 |
Total risk-based capital ratio | 279.4700% | 18 |
Memoranda: | ||
Average total assets | $14,222,500 | 5,830 |
Average earning assets | $11,492,500 | 5,825 |
Average equity | $12,328,500 | 4,158 |
Average total loans | NA | NA |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5959% | 5,898 |
Cost of funding earning assets | 0.0363% | 5,856 |
Net interest margin | 0.5596% | 5,897 |
Noninterest income to average assets | 34.5641% | 31 |
Noninterest expense to average assets | 30.6782% | 32 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 2.4044% | 166 |
Return on assets (ROA) | 2.4044% | 170 |
Pretax return on assets | 4.1976% | 57 |
Return on Equity (ROE) | 3.3951% | 5,045 |
Retained earnings to average equity (ytd only) | 3.3951% | 3,508 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.9643% | 681 |
Assets per employee ($millions) | 0.6666% | 5,874 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,884 |
Net loans and leases to deposits | 0.0000% | 5,883 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.5862% | 5,901 |
Equity capital to assets | 86.8410% | 18 |
Core capital (leverage) ratio | 74.0836% | 26 |
Tier 1 risk-based capital ratio | 280.3474% | 18 |
Total risk-based capital ratio | 280.3474% | 18 |
Memoranda: | ||
Average total assets | $24,704,800 | 5,778 |
Average earning assets | $13,760,800 | 5,869 |
Average equity | $17,495,800 | 3,488 |
Average total loans | NA | NA |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5748% | 5,968 |
Cost of funding earning assets | 0.0278% | 5,929 |
Net interest margin | 0.5470% | 5,966 |
Noninterest income to average assets | 29.4298% | 33 |
Noninterest expense to average assets | 26.4258% | 33 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 1.9408% | 377 |
Return on assets (ROA) | 1.9408% | 396 |
Pretax return on assets | 3.2916% | 101 |
Return on Equity (ROE) | 2.8240% | 5,266 |
Retained earnings to average equity (ytd only) | 2.8240% | 4,201 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.9235% | 619 |
Assets per employee ($millions) | 0.8820% | 5,936 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,950 |
Net loans and leases to deposits | 0.0000% | 5,950 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 2.8403% | 5,971 |
Equity capital to assets | 89.6139% | 14 |
Core capital (leverage) ratio | 92.1101% | 13 |
Tier 1 risk-based capital ratio | 311.8217% | 16 |
Total risk-based capital ratio | 311.8217% | 16 |
Memoranda: | ||
Average total assets | $27,341,250 | 5,818 |
Average earning assets | $14,380,750 | 5,932 |
Average equity | $18,790,500 | 3,325 |
Average total loans | NA | NA |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.5487% | 6,048 |
Cost of funding earning assets | 0.0281% | 6,007 |
Net interest margin | 0.5206% | 6,047 |
Noninterest income to average assets | 23.3652% | 36 |
Noninterest expense to average assets | 21.5272% | 38 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 1.2232% | 1,523 |
Return on assets (ROA) | 1.2232% | 1,619 |
Pretax return on assets | 2.0801% | 487 |
Return on Equity (ROE) | 1.8903% | 5,530 |
Retained earnings to average equity (ytd only) | 1.8903% | 4,610 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 91.1887% | 536 |
Assets per employee ($millions) | 0.7554% | 6,016 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,029 |
Net loans and leases to deposits | 0.0000% | 6,029 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.4975% | 6,047 |
Equity capital to assets | 90.8521% | 12 |
Core capital (leverage) ratio | 89.4826% | 16 |
Tier 1 risk-based capital ratio | 343.9444% | 13 |
Total risk-based capital ratio | 343.9444% | 13 |
Memoranda: | ||
Average total assets | $30,575,330 | 5,840 |
Average earning assets | $14,214,670 | 6,011 |
Average equity | $19,785,000 | 3,222 |
Average total loans | NA | NA |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.4225% | 6,115 |
Cost of funding earning assets | 0.0264% | 6,072 |
Net interest margin | 0.3961% | 6,114 |
Noninterest income to average assets | 18.4354% | 38 |
Noninterest expense to average assets | 18.7559% | 38 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | -0.0724% | 5,830 |
Return on assets (ROA) | -0.0724% | 5,849 |
Pretax return on assets | -0.1654% | 5,883 |
Return on Equity (ROE) | -0.1209% | 5,823 |
Retained earnings to average equity (ytd only) | -0.1209% | 5,124 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 100.8899% | 272 |
Assets per employee ($millions) | 0.7565% | 6,080 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,091 |
Net loans and leases to deposits | 0.0000% | 6,091 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 3.4855% | 6,111 |
Equity capital to assets | 89.3488% | 15 |
Core capital (leverage) ratio | 89.4366% | 15 |
Tier 1 risk-based capital ratio | 351.3709% | 14 |
Total risk-based capital ratio | 351.3709% | 14 |
Memoranda: | ||
Average total assets | $38,686,500 | 5,737 |
Average earning assets | $15,149,000 | 6,060 |
Average equity | $23,157,500 | 2,908 |
Average total loans | NA | NA |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.4154% | 6,164 |
Cost of funding earning assets | 0.0158% | 6,144 |
Net interest margin | 0.3996% | 6,163 |
Noninterest income to average assets | 78.6785% | 17 |
Noninterest expense to average assets | 62.9361% | 15 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 10.9222% | 18 |
Return on assets (ROA) | 10.9222% | 18 |
Pretax return on assets | 15.8892% | 16 |
Return on Equity (ROE) | 16.8232% | 477 |
Retained earnings to average equity (ytd only) | 16.8232% | 96 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.8426% | 1,696 |
Assets per employee ($millions) | 0.6238% | 6,142 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,149 |
Net loans and leases to deposits | 0.0000% | 6,149 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.7937% | 6,182 |
Equity capital to assets | 53.1310% | 37 |
Core capital (leverage) ratio | 20.5079% | 180 |
Tier 1 risk-based capital ratio | 27.3804% | 635 |
Total risk-based capital ratio | 27.3804% | 710 |
Memoranda: | ||
Average total assets | $68,814,200 | 5,116 |
Average earning assets | $25,277,000 | 5,982 |
Average equity | $44,676,400 | 1,652 |
Average total loans | NA | NA |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.3982% | 6,255 |
Cost of funding earning assets | 0.0000% | 6,253 |
Net interest margin | 0.3982% | 6,253 |
Noninterest income to average assets | 76.8277% | 18 |
Noninterest expense to average assets | 60.9518% | 15 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 9.5005% | 19 |
Return on assets (ROA) | 9.5005% | 19 |
Pretax return on assets | 16.0297% | 17 |
Return on Equity (ROE) | 14.0610% | 891 |
Retained earnings to average equity (ytd only) | 14.0610% | 206 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.1772% | 1,775 |
Assets per employee ($millions) | 0.7488% | 6,227 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,236 |
Net loans and leases to deposits | 0.0000% | 6,236 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6546% | 6,271 |
Equity capital to assets | 65.4137% | 37 |
Core capital (leverage) ratio | 52.0068% | 39 |
Tier 1 risk-based capital ratio | 78.2033% | 60 |
Total risk-based capital ratio | 78.2033% | 60 |
Memoranda: | ||
Average total assets | $70,268,000 | 5,149 |
Average earning assets | $27,123,000 | 6,027 |
Average equity | $47,477,500 | 1,569 |
Average total loans | NA | NA |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.4785% | 6,331 |
Cost of funding earning assets | 0.0000% | 6,327 |
Net interest margin | 0.4785% | 6,330 |
Noninterest income to average assets | 80.2853% | 18 |
Noninterest expense to average assets | 62.9151% | 16 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 10.2328% | 19 |
Return on assets (ROA) | 10.2328% | 19 |
Pretax return on assets | 17.5402% | 16 |
Return on Equity (ROE) | 14.9669% | 737 |
Retained earnings to average equity (ytd only) | 14.9669% | 190 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.1988% | 2,039 |
Assets per employee ($millions) | 0.7309% | 6,306 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,313 |
Net loans and leases to deposits | 0.0000% | 6,313 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6910% | 6,346 |
Equity capital to assets | 66.9532% | 36 |
Core capital (leverage) ratio | 54.0632% | 38 |
Tier 1 risk-based capital ratio | 73.6731% | 68 |
Total risk-based capital ratio | 73.6731% | 68 |
Memoranda: | ||
Average total assets | $68,231,670 | 5,247 |
Average earning assets | $24,243,000 | 6,144 |
Average equity | $46,649,670 | 1,603 |
Average total loans | NA | NA |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.6337% | 6,400 |
Cost of funding earning assets | 0.0000% | 6,393 |
Net interest margin | 0.6337% | 6,396 |
Noninterest income to average assets | 82.6798% | 16 |
Noninterest expense to average assets | 66.2974% | 13 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 9.6360% | 20 |
Return on assets (ROA) | 9.6360% | 20 |
Pretax return on assets | 16.5819% | 17 |
Return on Equity (ROE) | 13.9362% | 893 |
Retained earnings to average equity (ytd only) | 13.9362% | 365 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.9927% | 1,898 |
Assets per employee ($millions) | 0.6410% | 6,379 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,384 |
Net loans and leases to deposits | 0.0000% | 6,384 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.7573% | 6,418 |
Equity capital to assets | 70.4999% | 35 |
Core capital (leverage) ratio | 68.9240% | 31 |
Tier 1 risk-based capital ratio | 104.1235% | 52 |
Total risk-based capital ratio | 104.1235% | 53 |
Memoranda: | ||
Average total assets | $66,168,500 | 5,350 |
Average earning assets | $20,829,500 | 6,268 |
Average equity | $45,751,500 | 1,632 |
Average total loans | NA | NA |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7128% | 6,255 |
Cost of funding earning assets | 0.0498% | 6,438 |
Net interest margin | 2.6630% | 5,992 |
Noninterest income to average assets | 70.0190% | 19 |
Noninterest expense to average assets | 73.3158% | 10 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | -1.6530% | 6,440 |
Return on assets (ROA) | -1.6530% | 6,441 |
Pretax return on assets | -2.8767% | 6,473 |
Return on Equity (ROE) | -1.9515% | 6,212 |
Retained earnings to average equity (ytd only) | -1.9515% | 6,006 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 101.6090% | 335 |
Assets per employee ($millions) | 0.6631% | 6,467 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,475 |
Net loans and leases to deposits | 0.0000% | 6,475 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.7540% | 6,508 |
Equity capital to assets | 67.7937% | 34 |
Core capital (leverage) ratio | 56.3462% | 39 |
Tier 1 risk-based capital ratio | 91.2829% | 51 |
Total risk-based capital ratio | 91.2829% | 51 |
Memoranda: | ||
Average total assets | $76,407,800 | 5,146 |
Average earning assets | $12,054,000 | 6,462 |
Average equity | $64,718,200 | 1,136 |
Average total loans | NA | NA |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3920% | 5,607 |
Cost of funding earning assets | 0.0638% | 6,498 |
Net interest margin | 3.3282% | 4,513 |
Noninterest income to average assets | 67.3472% | 19 |
Noninterest expense to average assets | 57.1497% | 17 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 5.3361% | 41 |
Return on assets (ROA) | 5.3361% | 39 |
Pretax return on assets | 10.6384% | 25 |
Return on Equity (ROE) | 6.0464% | 4,208 |
Retained earnings to average equity (ytd only) | 6.0464% | 2,382 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.9873% | 1,767 |
Assets per employee ($millions) | 0.8049% | 6,542 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,554 |
Net loans and leases to deposits | 0.0000% | 6,554 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6300% | 6,590 |
Equity capital to assets | 89.4570% | 10 |
Core capital (leverage) ratio | 87.9320% | 12 |
Tier 1 risk-based capital ratio | 108.1225% | 44 |
Total risk-based capital ratio | 108.1225% | 44 |
Memoranda: | ||
Average total assets | $78,932,250 | 5,146 |
Average earning assets | $10,455,750 | 6,551 |
Average equity | $69,659,250 | 1,058 |
Average total loans | NA | NA |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3905% | 5,638 |
Cost of funding earning assets | 0.0575% | 6,573 |
Net interest margin | 3.3330% | 4,462 |
Noninterest income to average assets | 67.7207% | 18 |
Noninterest expense to average assets | 57.9675% | 16 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 5.1371% | 47 |
Return on assets (ROA) | 5.1371% | 47 |
Pretax return on assets | 10.1955% | 29 |
Return on Equity (ROE) | 5.8479% | 4,242 |
Retained earnings to average equity (ytd only) | 5.8479% | 2,415 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.0753% | 2,014 |
Assets per employee ($millions) | 0.7483% | 6,614 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,622 |
Net loans and leases to deposits | 0.0000% | 6,622 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6655% | 6,656 |
Equity capital to assets | 92.8383% | 7 |
Core capital (leverage) ratio | 83.3924% | 20 |
Tier 1 risk-based capital ratio | 116.4356% | 43 |
Total risk-based capital ratio | 116.4356% | 43 |
Memoranda: | ||
Average total assets | $78,682,000 | 5,194 |
Average earning assets | $10,441,000 | 6,617 |
Average equity | $69,118,330 | 1,058 |
Average total loans | NA | NA |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0715% | 6,157 |
Cost of funding earning assets | 0.0768% | 6,612 |
Net interest margin | 2.9947% | 5,537 |
Noninterest income to average assets | 66.1935% | 21 |
Noninterest expense to average assets | 56.9053% | 20 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 4.8210% | 51 |
Return on assets (ROA) | 4.8210% | 51 |
Pretax return on assets | 9.6770% | 30 |
Return on Equity (ROE) | 5.6391% | 4,216 |
Retained earnings to average equity (ytd only) | 5.6391% | 2,723 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.4792% | 2,136 |
Assets per employee ($millions) | 0.8021% | 6,681 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,692 |
Net loans and leases to deposits | 0.0000% | 6,692 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6076% | 6,726 |
Equity capital to assets | 83.6287% | 28 |
Core capital (leverage) ratio | 80.0141% | 27 |
Tier 1 risk-based capital ratio | 96.5752% | 50 |
Total risk-based capital ratio | 96.5752% | 52 |
Memoranda: | ||
Average total assets | $80,231,500 | 5,203 |
Average earning assets | $10,418,500 | 6,690 |
Average equity | $68,592,500 | 1,067 |
Average total loans | NA | NA |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5850% | 5,445 |
Cost of funding earning assets | 0.0666% | 6,735 |
Net interest margin | 3.5184% | 3,815 |
Noninterest income to average assets | 68.4365% | 20 |
Noninterest expense to average assets | 59.8206% | 19 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 4.6545% | 52 |
Return on assets (ROA) | 4.6545% | 51 |
Pretax return on assets | 9.1158% | 30 |
Return on Equity (ROE) | 5.2030% | 4,536 |
Retained earnings to average equity (ytd only) | 5.2030% | 2,475 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.5573% | 1,936 |
Assets per employee ($millions) | 0.7276% | 6,764 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,772 |
Net loans and leases to deposits | 0.0000% | 6,772 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6474% | 6,809 |
Equity capital to assets | 87.4719% | 15 |
Core capital (leverage) ratio | 84.5894% | 14 |
Tier 1 risk-based capital ratio | 105.3480% | 48 |
Total risk-based capital ratio | 105.3480% | 48 |
Memoranda: | ||
Average total assets | $74,014,600 | 5,377 |
Average earning assets | $10,516,000 | 6,773 |
Average equity | $66,212,200 | 1,085 |
Average total loans | NA | NA |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4882% | 5,714 |
Cost of funding earning assets | 0.0505% | 6,831 |
Net interest margin | 3.4377% | 4,132 |
Noninterest income to average assets | 67.5465% | 19 |
Noninterest expense to average assets | 59.9507% | 16 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 3.9056% | 65 |
Return on assets (ROA) | 3.9056% | 64 |
Pretax return on assets | 8.0922% | 32 |
Return on Equity (ROE) | 4.3401% | 5,058 |
Retained earnings to average equity (ytd only) | 4.3401% | 3,587 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.7509% | 1,728 |
Assets per employee ($millions) | 0.6787% | 6,847 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,855 |
Net loans and leases to deposits | 0.0000% | 6,854 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6785% | 6,887 |
Equity capital to assets | 90.3545% | 10 |
Core capital (leverage) ratio | 88.4710% | 10 |
Tier 1 risk-based capital ratio | 113.6517% | 43 |
Total risk-based capital ratio | 113.6517% | 44 |
Memoranda: | ||
Average total assets | $73,056,000 | 5,447 |
Average earning assets | $10,549,500 | 6,853 |
Average equity | $65,741,250 | 1,102 |
Average total loans | NA | NA |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5940% | 5,451 |
Cost of funding earning assets | 0.0570% | 6,877 |
Net interest margin | 3.5369% | 3,624 |
Noninterest income to average assets | 67.3457% | 18 |
Noninterest expense to average assets | 60.4753% | 15 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 3.3651% | 90 |
Return on assets (ROA) | 3.3651% | 93 |
Pretax return on assets | 7.3817% | 35 |
Return on Equity (ROE) | 3.7447% | 5,315 |
Retained earnings to average equity (ytd only) | 3.7447% | 3,917 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.7250% | 1,667 |
Assets per employee ($millions) | 0.6499% | 6,895 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,904 |
Net loans and leases to deposits | 0.0000% | 6,904 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.7166% | 6,938 |
Equity capital to assets | 93.9365% | 7 |
Core capital (leverage) ratio | 84.4903% | 15 |
Tier 1 risk-based capital ratio | 124.6407% | 39 |
Total risk-based capital ratio | 124.6407% | 39 |
Memoranda: | ||
Average total assets | $72,747,000 | 5,494 |
Average earning assets | $10,517,670 | 6,902 |
Average equity | $65,372,670 | 1,105 |
Average total loans | NA | NA |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4976% | 5,711 |
Cost of funding earning assets | 0.0380% | 6,971 |
Net interest margin | 3.4596% | 3,862 |
Noninterest income to average assets | 65.9935% | 20 |
Noninterest expense to average assets | 58.8176% | 16 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 2.6045% | 141 |
Return on assets (ROA) | 2.6045% | 151 |
Pretax return on assets | 7.6676% | 37 |
Return on Equity (ROE) | 2.9620% | 5,597 |
Retained earnings to average equity (ytd only) | 2.9620% | 4,503 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.0543% | 1,884 |
Assets per employee ($millions) | 0.6989% | 6,970 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,982 |
Net loans and leases to deposits | 0.0000% | 6,982 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6637% | 7,015 |
Equity capital to assets | 86.5463% | 17 |
Core capital (leverage) ratio | 80.8525% | 21 |
Tier 1 risk-based capital ratio | 104.6136% | 46 |
Total risk-based capital ratio | 104.6136% | 46 |
Memoranda: | ||
Average total assets | $74,025,500 | 5,513 |
Average earning assets | $10,521,500 | 6,977 |
Average equity | $65,092,000 | 1,132 |
Average total loans | NA | NA |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6744% | 6,094 |
Cost of funding earning assets | 0.0465% | 7,040 |
Net interest margin | 3.6279% | 3,976 |
Noninterest income to average assets | 64.5475% | 19 |
Noninterest expense to average assets | 59.3437% | 16 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 3.4401% | 81 |
Return on assets (ROA) | 3.4401% | 82 |
Pretax return on assets | 5.7528% | 48 |
Return on Equity (ROE) | 3.8396% | 5,208 |
Retained earnings to average equity (ytd only) | 3.8396% | 3,497 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.4045% | 1,480 |
Assets per employee ($millions) | 0.6422% | 7,037 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,047 |
Net loans and leases to deposits | 0.0000% | 7,047 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6917% | 7,079 |
Equity capital to assets | 89.3730% | 14 |
Core capital (leverage) ratio | 83.1917% | 17 |
Tier 1 risk-based capital ratio | 112.8546% | 47 |
Total risk-based capital ratio | 112.8546% | 47 |
Memoranda: | ||
Average total assets | $71,043,800 | 5,603 |
Average earning assets | $10,750,000 | 7,040 |
Average equity | $63,653,000 | 1,109 |
Average total loans | NA | NA |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6132% | 6,378 |
Cost of funding earning assets | 0.0370% | 7,153 |
Net interest margin | 3.5762% | 4,334 |
Noninterest income to average assets | 64.7930% | 19 |
Noninterest expense to average assets | 59.9626% | 15 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 3.2397% | 90 |
Return on assets (ROA) | 3.2397% | 94 |
Pretax return on assets | 5.3776% | 53 |
Return on Equity (ROE) | 3.6136% | 5,446 |
Retained earnings to average equity (ytd only) | 3.6136% | 4,336 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.0031% | 1,375 |
Assets per employee ($millions) | 0.6285% | 7,139 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,148 |
Net loans and leases to deposits | 0.0000% | 7,147 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.7117% | 7,178 |
Equity capital to assets | 91.1502% | 10 |
Core capital (leverage) ratio | 85.3481% | 13 |
Tier 1 risk-based capital ratio | 120.2668% | 47 |
Total risk-based capital ratio | 120.2668% | 47 |
Memoranda: | ||
Average total assets | $70,662,250 | 5,679 |
Average earning assets | $10,812,000 | 7,134 |
Average equity | $63,351,750 | 1,133 |
Average total loans | NA | NA |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6754% | 6,374 |
Cost of funding earning assets | 0.0369% | 7,215 |
Net interest margin | 3.6385% | 4,089 |
Noninterest income to average assets | 64.4630% | 19 |
Noninterest expense to average assets | 59.6037% | 15 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 3.3159% | 85 |
Return on assets (ROA) | 3.3159% | 86 |
Pretax return on assets | 5.4162% | 56 |
Return on Equity (ROE) | 3.7191% | 5,395 |
Retained earnings to average equity (ytd only) | 3.7191% | 4,123 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.8789% | 1,446 |
Assets per employee ($millions) | 0.6400% | 7,199 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,209 |
Net loans and leases to deposits | 0.0000% | 7,209 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.7330% | 7,245 |
Equity capital to assets | 92.8860% | 7 |
Core capital (leverage) ratio | 79.6711% | 17 |
Tier 1 risk-based capital ratio | 130.6260% | 42 |
Total risk-based capital ratio | 130.6260% | 42 |
Memoranda: | ||
Average total assets | $70,750,670 | 5,710 |
Average earning assets | $10,828,670 | 7,196 |
Average equity | $63,080,000 | 1,124 |
Average total loans | NA | NA |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6478% | 6,512 |
Cost of funding earning assets | 0.0376% | 7,277 |
Net interest margin | 3.6102% | 4,219 |
Noninterest income to average assets | 64.2540% | 17 |
Noninterest expense to average assets | 57.6099% | 15 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 4.4850% | 52 |
Return on assets (ROA) | 4.4850% | 59 |
Pretax return on assets | 7.1783% | 43 |
Return on Equity (ROE) | 5.1327% | 4,723 |
Retained earnings to average equity (ytd only) | 5.1327% | 3,480 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.2002% | 1,771 |
Assets per employee ($millions) | 0.6832% | 7,262 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,271 |
Net loans and leases to deposits | 0.0000% | 7,271 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.6790% | 7,306 |
Equity capital to assets | 85.6481% | 16 |
Core capital (leverage) ratio | 77.0569% | 23 |
Tier 1 risk-based capital ratio | 104.7555% | 46 |
Total risk-based capital ratio | 104.7555% | 46 |
Memoranda: | ||
Average total assets | $71,883,500 | 5,717 |
Average earning assets | $10,636,500 | 7,260 |
Average equity | $62,813,500 | 1,132 |
Average total loans | NA | NA |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3265% | 5,672 |
Cost of funding earning assets | 0.0796% | 7,318 |
Net interest margin | 4.2469% | 1,899 |
Noninterest income to average assets | 67.9201% | 19 |
Noninterest expense to average assets | 68.7174% | 16 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | -0.1990% | 6,256 |
Return on assets (ROA) | -0.1990% | 6,325 |
Pretax return on assets | -0.1861% | 6,276 |
Return on Equity (ROE) | -0.2240% | 6,185 |
Retained earnings to average equity (ytd only) | -0.2240% | 5,889 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 94.3503% | 900 |
Assets per employee ($millions) | 0.6480% | 7,313 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,320 |
Net loans and leases to deposits | 0.0000% | 7,320 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.7187% | 7,353 |
Equity capital to assets | 89.2107% | 9 |
Core capital (leverage) ratio | 79.6185% | 15 |
Tier 1 risk-based capital ratio | 115.6856% | 44 |
Total risk-based capital ratio | 115.6856% | 44 |
Memoranda: | ||
Average total assets | $69,864,400 | 5,744 |
Average earning assets | $10,054,400 | 7,312 |
Average equity | $62,045,200 | 1,086 |
Average total loans | NA | NA |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3799% | 5,673 |
Cost of funding earning assets | 0.0937% | 7,386 |
Net interest margin | 4.2862% | 1,770 |
Noninterest income to average assets | 69.4143% | 17 |
Noninterest expense to average assets | 72.1388% | 16 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | -1.1742% | 6,946 |
Return on assets (ROA) | -1.1742% | 6,968 |
Pretax return on assets | -2.1135% | 7,144 |
Return on Equity (ROE) | -1.3237% | 6,414 |
Retained earnings to average equity (ytd only) | -1.3237% | 6,206 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 97.1045% | 766 |
Assets per employee ($millions) | 0.6176% | 7,394 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,401 |
Net loans and leases to deposits | 0.0000% | 7,400 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.7323% | 7,433 |
Equity capital to assets | 90.3853% | 13 |
Core capital (leverage) ratio | 80.3074% | 22 |
Tier 1 risk-based capital ratio | 121.8684% | 49 |
Total risk-based capital ratio | 121.8684% | 49 |
Memoranda: | ||
Average total assets | $69,834,000 | 5,787 |
Average earning assets | $9,954,250 | 7,391 |
Average equity | $61,947,750 | 1,094 |
Average total loans | NA | NA |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6896% | 4,573 |
Cost of funding earning assets | 0.1019% | 7,457 |
Net interest margin | 4.5876% | 929 |
Noninterest income to average assets | 72.7680% | 17 |
Noninterest expense to average assets | 77.6270% | 16 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | -2.2288% | 7,228 |
Return on assets (ROA) | -2.2288% | 7,233 |
Pretax return on assets | -4.2185% | 7,401 |
Return on Equity (ROE) | -2.5281% | 6,553 |
Retained earnings to average equity (ytd only) | -2.5281% | 6,313 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 99.9186% | 724 |
Assets per employee ($millions) | 0.5994% | 7,468 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,475 |
Net loans and leases to deposits | 0.0000% | 7,474 |
Net loans and leases to core deposits | NA | NA |
Total domestic deposits to total assets | 0.7456% | 7,511 |
Equity capital to assets | 90.9594% | 12 |
Core capital (leverage) ratio | 75.3430% | 31 |
Tier 1 risk-based capital ratio | 127.9410% | 46 |
Total risk-based capital ratio | 127.9410% | 46 |
Memoranda: | ||
Average total assets | $70,261,670 | 5,820 |
Average earning assets | $9,809,000 | 7,465 |
Average equity | $61,943,670 | 1,091 |
Average total loans | NA | NA |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8451% | 3,847 |
Cost of funding earning assets | 0.1286% | 7,512 |
Net interest margin | 4.7165% | 682 |
Noninterest income to average assets | 74.3424% | 17 |
Noninterest expense to average assets | 79.6438% | 15 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | -2.4494% | 7,332 |
Return on assets (ROA) | -2.4494% | 7,330 |
Pretax return on assets | -4.6862% | 7,467 |
Return on Equity (ROE) | -2.8207% | 6,647 |
Retained earnings to average equity (ytd only) | -2.8207% | 6,266 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 100.3730% | 726 |
Assets per employee ($millions) | 0.5681% | 7,528 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,537 |
Net loans and leases to deposits | 0.0000% | 7,537 |
Net loans and leases to core deposits | 0.0000% | 7,521 |
Total domestic deposits to total assets | 0.6918% | 7,572 |
Equity capital to assets | 85.1005% | 15 |
Core capital (leverage) ratio | 70.2496% | 29 |
Tier 1 risk-based capital ratio | 101.5522% | 52 |
Total risk-based capital ratio | 101.5522% | 52 |
Memoranda: | ||
Average total assets | $71,528,500 | 5,831 |
Average earning assets | $9,329,000 | 7,529 |
Average equity | $62,113,000 | 1,083 |
Average total loans | NA | NA |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7665% | 5,554 |
Cost of funding earning assets | 0.1335% | 7,573 |
Net interest margin | 4.6330% | 943 |
Noninterest income to average assets | 59.4222% | 21 |
Noninterest expense to average assets | 79.9013% | 15 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | -20.4839% | 7,655 |
Return on assets (ROA) | -20.4839% | 7,655 |
Pretax return on assets | -20.0576% | 7,655 |
Return on Equity (ROE) | -22.3002% | 7,080 |
Retained earnings to average equity (ytd only) | -22.3002% | 7,058 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 95.0640% | 1,007 |
Assets per employee ($millions) | 0.5496% | 7,614 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,616 |
Net loans and leases to deposits | 0.0000% | 7,616 |
Net loans and leases to core deposits | 0.0000% | 7,598 |
Total domestic deposits to total assets | 0.7165% | 7,653 |
Equity capital to assets | 88.6314% | 17 |
Core capital (leverage) ratio | 56.2792% | 42 |
Tier 1 risk-based capital ratio | 113.7075% | 48 |
Total risk-based capital ratio | 113.7075% | 48 |
Memoranda: | ||
Average total assets | $82,332,800 | 5,517 |
Average earning assets | $7,489,800 | 7,626 |
Average equity | $75,627,200 | 874 |
Average total loans | NA | NA |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7812% | 5,736 |
Cost of funding earning assets | 0.1328% | 7,696 |
Net interest margin | 4.6485% | 945 |
Noninterest income to average assets | 56.5725% | 22 |
Noninterest expense to average assets | 57.3241% | 19 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | -1.1891% | 6,983 |
Return on assets (ROA) | -1.1891% | 7,014 |
Pretax return on assets | -0.3688% | 6,464 |
Return on Equity (ROE) | -1.2852% | 6,312 |
Retained earnings to average equity (ytd only) | -1.2852% | 6,059 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.2540% | 1,040 |
Assets per employee ($millions) | 0.6640% | 7,714 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,720 |
Net loans and leases to deposits | 0.0000% | 7,720 |
Net loans and leases to core deposits | 0.0000% | 7,701 |
Total domestic deposits to total assets | 0.7072% | 7,758 |
Equity capital to assets | 92.3978% | 7 |
Core capital (leverage) ratio | 80.5949% | 26 |
Tier 1 risk-based capital ratio | 119.6824% | 52 |
Total risk-based capital ratio | 119.6824% | 52 |
Memoranda: | ||
Average total assets | $85,330,250 | 5,493 |
Average earning assets | $7,027,250 | 7,734 |
Average equity | $78,947,500 | 835 |
Average total loans | NA | NA |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5589% | 2,295 |
Cost of funding earning assets | 0.1616% | 7,760 |
Net interest margin | 5.3973% | 199 |
Noninterest income to average assets | 55.8656% | 22 |
Noninterest expense to average assets | 54.6087% | 22 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | -0.3769% | 6,540 |
Return on assets (ROA) | -0.3769% | 6,583 |
Pretax return on assets | 1.6479% | 1,172 |
Return on Equity (ROE) | -0.4071% | 6,239 |
Retained earnings to average equity (ytd only) | -0.4071% | 5,822 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.5357% | 1,373 |
Assets per employee ($millions) | 0.6572% | 7,786 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,788 |
Net loans and leases to deposits | 0.0000% | 7,788 |
Net loans and leases to core deposits | 0.0000% | 7,770 |
Total domestic deposits to total assets | 0.7177% | 7,828 |
Equity capital to assets | 94.7855% | 6 |
Core capital (leverage) ratio | 78.2093% | 31 |
Tier 1 risk-based capital ratio | 135.7668% | 43 |
Total risk-based capital ratio | 135.7668% | 43 |
Memoranda: | ||
Average total assets | $85,444,330 | 5,520 |
Average earning assets | $6,188,330 | 7,805 |
Average equity | $79,087,670 | 828 |
Average total loans | NA | NA |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9325% | 7,505 |
Cost of funding earning assets | 0.2681% | 7,833 |
Net interest margin | 3.6644% | 4,417 |
Noninterest income to average assets | 52.6349% | 23 |
Noninterest expense to average assets | 52.9403% | 21 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | -1.1430% | 7,193 |
Return on assets (ROA) | -1.1430% | 7,209 |
Pretax return on assets | -0.1157% | 6,481 |
Return on Equity (ROE) | -1.2494% | 6,557 |
Retained earnings to average equity (ytd only) | -1.2494% | 6,091 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 92.0981% | 1,271 |
Assets per employee ($millions) | 0.7203% | 7,887 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,889 |
Net loans and leases to deposits | 0.0000% | 7,889 |
Net loans and leases to core deposits | 0.0000% | 7,870 |
Total domestic deposits to total assets | 0.6850% | 7,931 |
Equity capital to assets | 90.5961% | 12 |
Core capital (leverage) ratio | 73.3684% | 32 |
Tier 1 risk-based capital ratio | 93.7364% | 55 |
Total risk-based capital ratio | 93.7364% | 55 |
Memoranda: | ||
Average total assets | $86,437,000 | 5,562 |
Average earning assets | $4,475,500 | 7,917 |
Average equity | $79,078,000 | 830 |
Average total loans | NA | NA |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.9606% | 82 |
Cost of funding earning assets | 0.3554% | 7,886 |
Net interest margin | 7.6052% | 41 |
Noninterest income to average assets | 52.3542% | 22 |
Noninterest expense to average assets | 84.7943% | 12 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | -19.0452% | 8,005 |
Return on assets (ROA) | -19.0409% | 8,005 |
Pretax return on assets | -32.0777% | 8,009 |
Return on Equity (ROE) | -20.9645% | 7,171 |
Retained earnings to average equity (ytd only) | -20.9645% | 7,143 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.7421% | 2,032 |
Assets per employee ($millions) | 0.6543% | 7,968 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,964 |
Net loans and leases to deposits | 0.0000% | 7,964 |
Net loans and leases to core deposits | 0.0000% | 7,957 |
Total domestic deposits to total assets | 0.6930% | 8,005 |
Equity capital to assets | 92.3914% | 9 |
Core capital (leverage) ratio | 77.0886% | 29 |
Tier 1 risk-based capital ratio | 100.1062% | 53 |
Total risk-based capital ratio | 100.1062% | 54 |
Memoranda: | ||
Average total assets | $90,237,200 | 5,382 |
Average earning assets | $4,220,800 | 8,000 |
Average equity | $81,957,400 | 789 |
Average total loans | NA | NA |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1802% | 232 |
Cost of funding earning assets | 0.3847% | 7,975 |
Net interest margin | 6.7955% | 57 |
Noninterest income to average assets | 50.4387% | 23 |
Noninterest expense to average assets | 94.8928% | 12 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | -26.1994% | 8,096 |
Return on assets (ROA) | -26.2087% | 8,096 |
Pretax return on assets | -44.1594% | 8,099 |
Return on Equity (ROE) | -28.9737% | 7,586 |
Retained earnings to average equity (ytd only) | -28.9737% | 7,576 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.2678% | 1,845 |
Assets per employee ($millions) | 0.6418% | 8,052 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,051 |
Net loans and leases to deposits | 0.0000% | 8,051 |
Net loans and leases to core deposits | 0.0000% | 8,041 |
Total domestic deposits to total assets | 0.7017% | 8,092 |
Equity capital to assets | 93.3072% | 7 |
Core capital (leverage) ratio | 78.5789% | 29 |
Tier 1 risk-based capital ratio | 102.5515% | 63 |
Total risk-based capital ratio | 102.5515% | 63 |
Memoranda: | ||
Average total assets | $91,366,750 | 5,385 |
Average earning assets | $4,159,500 | 8,086 |
Average equity | $82,647,500 | 791 |
Average total loans | NA | NA |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.2428% | 78 |
Cost of funding earning assets | 0.3949% | 8,073 |
Net interest margin | 7.8480% | 38 |
Noninterest income to average assets | 48.0357% | 26 |
Noninterest expense to average assets | 114.8821% | 8 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | -39.4660% | 8,193 |
Return on assets (ROA) | -39.4810% | 8,193 |
Pretax return on assets | -66.5309% | 8,195 |
Return on Equity (ROE) | -44.0611% | 7,875 |
Retained earnings to average equity (ytd only) | -44.0611% | 7,861 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.2455% | 1,784 |
Assets per employee ($millions) | 0.6189% | 8,151 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,143 |
Net loans and leases to deposits | 0.0000% | 8,143 |
Net loans and leases to core deposits | 0.0000% | 8,133 |
Total domestic deposits to total assets | 0.7132% | 8,189 |
Equity capital to assets | 94.6021% | 5 |
Core capital (leverage) ratio | 65.4827% | 39 |
Tier 1 risk-based capital ratio | 110.2680% | 59 |
Total risk-based capital ratio | 110.2680% | 60 |
Memoranda: | ||
Average total assets | $93,797,000 | 5,349 |
Average earning assets | $4,052,000 | 8,180 |
Average equity | $84,047,000 | 782 |
Average total loans | NA | NA |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1820% | 6,365 |
Cost of funding earning assets | 0.4146% | 8,130 |
Net interest margin | 4.7675% | 654 |
Noninterest income to average assets | 43.7209% | 30 |
Noninterest expense to average assets | 169.3662% | 5 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | -74.4433% | 8,246 |
Return on assets (ROA) | -74.4742% | 8,246 |
Pretax return on assets | -125.5087% | 8,247 |
Return on Equity (ROE) | -85.0752% | 8,131 |
Retained earnings to average equity (ytd only) | -85.0752% | 8,122 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.4953% | 1,848 |
Assets per employee ($millions) | 0.6599% | 8,201 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,196 |
Net loans and leases to deposits | 0.0000% | 8,196 |
Net loans and leases to core deposits | 0.0000% | 8,185 |
Total domestic deposits to total assets | 0.6496% | 8,242 |
Equity capital to assets | 86.7669% | 19 |
Core capital (leverage) ratio | 57.5682% | 57 |
Tier 1 risk-based capital ratio | 78.2983% | 90 |
Total risk-based capital ratio | 78.2983% | 90 |
Memoranda: | ||
Average total assets | $99,540,500 | 5,193 |
Average earning assets | $3,859,500 | 8,233 |
Average equity | $87,137,000 | 763 |
Average total loans | NA | NA |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 13.1886% | 26 |
Cost of funding earning assets | 0.6634% | 8,160 |
Net interest margin | 12.5252% | 15 |
Noninterest income to average assets | 47.1322% | 31 |
Noninterest expense to average assets | 47.7386% | 27 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | -0.6327% | 7,026 |
Return on assets (ROA) | -0.6264% | 6,916 |
Pretax return on assets | -0.1716% | 6,349 |
Return on Equity (ROE) | -0.7119% | 6,326 |
Retained earnings to average equity (ytd only) | -0.7119% | 5,517 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.2987% | 1,309 |
Assets per employee ($millions) | 0.8039% | 8,249 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,249 |
Net loans and leases to deposits | 0.0000% | 8,249 |
Net loans and leases to core deposits | 0.0000% | 8,238 |
Total domestic deposits to total assets | 0.5296% | 8,298 |
Equity capital to assets | 88.1733% | 19 |
Core capital (leverage) ratio | 47.0341% | 87 |
Tier 1 risk-based capital ratio | 64.4196% | 142 |
Total risk-based capital ratio | 64.4196% | 143 |
Memoranda: | ||
Average total assets | $110,160,400 | 4,776 |
Average earning assets | $3,768,400 | 8,293 |
Average equity | $96,917,400 | 688 |
Average total loans | NA | NA |