Home > The Bank of Beaver City > Performance and Condition Ratios
The Bank of Beaver City, 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 | 4.7176% | 2,638 |
Cost of funding earning assets | 1.6165% | 1,646 |
Net interest margin | 3.1012% | 3,094 |
Noninterest income to average assets | 0.5300% | 1,829 |
Noninterest expense to average assets | 2.7513% | 1,626 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.6436% | 3,327 |
Return on assets (ROA) | 0.6084% | 3,409 |
Pretax return on assets | 0.6084% | 3,614 |
Return on Equity (ROE) | 15.3800% | 1,213 |
Retained earnings to average equity (ytd only) | -0.5941% | 4,152 |
Net charge-offs to loans | 0.1081% | 860 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 11.4396% | 2,192 |
Efficiency ratio | 81.0417% | 848 |
Assets per employee ($millions) | 6.5638% | 2,373 |
Cash dividends to net income (ytd only)* | 103.8618% | 228 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6196% | 804 |
Loan loss allowance to noncurrent loans | 166.4360% | 2,726 |
Noncurrent assets plus other real estate owned to assets | 0.5284% | 1,062 |
Noncurrent loans to loans | 0.9731% | 762 |
Net loans and leases to total assets | 53.4200% | 3,391 |
Net loans and leases to deposits | 61.6619% | 3,427 |
Net loans and leases to core deposits | 67.1197% | 3,448 |
Total domestic deposits to total assets | 86.6300% | 1,810 |
Equity capital to assets | 4.3530% | 4,481 |
Core capital (leverage) ratio | 8.8912% | 3,828 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.9142% | 1,290 |
Memoranda: | ||
Average total assets | $161,742,800 | 3,264 |
Average earning assets | $149,524,800 | 3,251 |
Average equity | $6,396,400 | 4,122 |
Average total loans | $84,209,400 | 3,362 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6803% | 2,510 |
Cost of funding earning assets | 1.5414% | 1,502 |
Net interest margin | 3.1389% | 3,054 |
Noninterest income to average assets | 0.5400% | 1,768 |
Noninterest expense to average assets | 2.7451% | 1,554 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.7082% | 3,304 |
Return on assets (ROA) | 0.6610% | 3,393 |
Pretax return on assets | 0.6610% | 3,620 |
Return on Equity (ROE) | 17.1600% | 1,052 |
Retained earnings to average equity (ytd only) | -3.5213% | 4,381 |
Net charge-offs to loans | -0.0241% | 4,181 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 79.4921% | 891 |
Assets per employee ($millions) | 6.6246% | 2,230 |
Cash dividends to net income (ytd only)* | 120.5257% | 123 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7804% | 590 |
Loan loss allowance to noncurrent loans | 169.4748% | 2,698 |
Noncurrent assets plus other real estate owned to assets | 0.5749% | 1,016 |
Noncurrent loans to loans | 1.0505% | 767 |
Net loans and leases to total assets | 53.7500% | 3,380 |
Net loans and leases to deposits | 59.1454% | 3,547 |
Net loans and leases to core deposits | 64.0775% | 3,521 |
Total domestic deposits to total assets | 90.8800% | 701 |
Equity capital to assets | 3.1423% | 4,482 |
Core capital (leverage) ratio | 8.8944% | 3,870 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $161,154,750 | 3,279 |
Average earning assets | $149,729,500 | 3,264 |
Average equity | $6,209,750 | 4,147 |
Average total loans | $82,987,750 | 3,382 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6304% | 2,347 |
Cost of funding earning assets | 1.4874% | 1,266 |
Net interest margin | 3.1430% | 3,126 |
Noninterest income to average assets | 0.5400% | 1,717 |
Noninterest expense to average assets | 2.6909% | 1,663 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 0.7808% | 3,141 |
Return on assets (ROA) | 0.7104% | 3,323 |
Pretax return on assets | 0.7104% | 3,584 |
Return on Equity (ROE) | 17.3900% | 1,034 |
Retained earnings to average equity (ytd only) | 5.1706% | 2,898 |
Net charge-offs to loans | 0.0196% | 1,501 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 79.0000% | 1,057 |
Efficiency ratio | 77.5089% | 1,038 |
Assets per employee ($millions) | 6.7388% | 2,110 |
Cash dividends to net income (ytd only)* | 70.2609% | 748 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8486% | 547 |
Loan loss allowance to noncurrent loans | 151.3889% | 2,902 |
Noncurrent assets plus other real estate owned to assets | 0.6307% | 845 |
Noncurrent loans to loans | 1.2211% | 578 |
Net loans and leases to total assets | 50.1000% | 3,555 |
Net loans and leases to deposits | 54.1951% | 3,737 |
Net loans and leases to core deposits | 57.9454% | 3,723 |
Total domestic deposits to total assets | 92.4400% | 333 |
Equity capital to assets | 3.9937% | 4,505 |
Core capital (leverage) ratio | 8.6598% | 4,039 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $161,876,333 | 3,274 |
Average earning assets | $151,001,333 | 3,264 |
Average equity | $6,614,333 | 4,116 |
Average total loans | $81,649,000 | 3,395 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2852% | 2,836 |
Cost of funding earning assets | 1.1658% | 1,547 |
Net interest margin | 3.1194% | 3,305 |
Noninterest income to average assets | 0.5500% | 1,626 |
Noninterest expense to average assets | 2.5638% | 2,068 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 0.9213% | 2,786 |
Return on assets (ROA) | 0.7805% | 3,207 |
Pretax return on assets | 0.7805% | 3,506 |
Return on Equity (ROE) | 18.8900% | 900 |
Retained earnings to average equity (ytd only) | 11.8350% | 1,301 |
Net charge-offs to loans | -0.0049% | 3,630 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 73.5648% | 1,382 |
Assets per employee ($millions) | 6.9336% | 2,022 |
Cash dividends to net income (ytd only)* | 37.3418% | 1,531 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8896% | 550 |
Loan loss allowance to noncurrent loans | 154.4266% | 2,936 |
Noncurrent assets plus other real estate owned to assets | 0.5973% | 852 |
Noncurrent loans to loans | 1.2237% | 562 |
Net loans and leases to total assets | 47.8900% | 3,642 |
Net loans and leases to deposits | 52.0290% | 3,793 |
Net loans and leases to core deposits | 55.7384% | 3,754 |
Total domestic deposits to total assets | 92.0500% | 500 |
Equity capital to assets | 4.1777% | 4,529 |
Core capital (leverage) ratio | 9.3826% | 3,310 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $161,949,500 | 3,323 |
Average earning assets | $152,338,500 | 3,296 |
Average equity | $6,692,000 | 4,160 |
Average total loans | $81,198,000 | 3,435 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6882% | 2,557 |
Cost of funding earning assets | 0.4656% | 1,612 |
Net interest margin | 3.2226% | 2,799 |
Noninterest income to average assets | 0.5100% | 2,035 |
Noninterest expense to average assets | 2.7298% | 1,490 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.8007% | 3,324 |
Return on assets (ROA) | 0.7878% | 3,298 |
Pretax return on assets | 0.7878% | 3,657 |
Return on Equity (ROE) | 13.2900% | 1,713 |
Retained earnings to average equity (ytd only) | -0.6503% | 4,414 |
Net charge-offs to loans | 0.0014% | 2,512 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 1,246.0000% | 141 |
Efficiency ratio | 77.3207% | 900 |
Assets per employee ($millions) | 6.8475% | 2,083 |
Cash dividends to net income (ytd only)* | 104.8940% | 174 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8900% | 548 |
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 | 50.5600% | 3,464 |
Net loans and leases to deposits | 55.3786% | 3,605 |
Net loans and leases to core deposits | 59.7347% | 3,521 |
Total domestic deposits to total assets | 91.3000% | 839 |
Equity capital to assets | 4.0840% | 4,508 |
Core capital (leverage) ratio | 9.6312% | 3,014 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $155,617,000 | 3,384 |
Average earning assets | $145,844,000 | 3,363 |
Average equity | $9,226,000 | 3,971 |
Average total loans | $71,884,400 | 3,545 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5305% | 2,522 |
Cost of funding earning assets | 0.3446% | 1,750 |
Net interest margin | 3.1859% | 2,669 |
Noninterest income to average assets | 0.5000% | 2,161 |
Noninterest expense to average assets | 2.7165% | 1,435 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.7631% | 3,377 |
Return on assets (ROA) | 0.7468% | 3,376 |
Pretax return on assets | 0.7468% | 3,702 |
Return on Equity (ROE) | 11.6700% | 2,147 |
Retained earnings to average equity (ytd only) | -2.3242% | 4,506 |
Net charge-offs to loans | 0.0096% | 1,771 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 177.6000% | 668 |
Efficiency ratio | 78.0687% | 906 |
Assets per employee ($millions) | 6.7891% | 2,104 |
Cash dividends to net income (ytd only)* | 119.9079% | 142 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9886% | 512 |
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 | 48.2900% | 3,598 |
Net loans and leases to deposits | 51.9664% | 3,733 |
Net loans and leases to core deposits | 55.9276% | 3,633 |
Total domestic deposits to total assets | 92.9300% | 598 |
Equity capital to assets | 3.7202% | 4,510 |
Core capital (leverage) ratio | 9.5564% | 3,011 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $155,148,250 | 3,416 |
Average earning assets | $145,094,000 | 3,401 |
Average equity | $9,924,500 | 3,925 |
Average total loans | $69,564,500 | 3,596 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3481% | 2,581 |
Cost of funding earning assets | 0.2729% | 1,991 |
Net interest margin | 3.0752% | 2,623 |
Noninterest income to average assets | 0.4832% | 2,294 |
Noninterest expense to average assets | 2.6974% | 1,396 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.6679% | 3,420 |
Return on assets (ROA) | 0.6485% | 3,426 |
Pretax return on assets | 0.6485% | 3,720 |
Return on Equity (ROE) | 8.8878% | 2,736 |
Retained earnings to average equity (ytd only) | -0.1239% | 4,192 |
Net charge-offs to loans | 0.0060% | 1,784 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | 258.5000% | 454 |
Efficiency ratio | 80.1536% | 934 |
Assets per employee ($millions) | 6.7098% | 2,165 |
Cash dividends to net income (ytd only)* | 101.3944% | 365 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1707% | 399 |
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 | 0.0000% | 4,026 |
Net loans and leases to total assets | 44.7689% | 3,773 |
Net loans and leases to deposits | 48.5476% | 3,894 |
Net loans and leases to core deposits | 52.2234% | 3,808 |
Total domestic deposits to total assets | 92.2165% | 754 |
Equity capital to assets | 4.6369% | 4,542 |
Core capital (leverage) ratio | 9.8239% | 2,589 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $154,814,667 | 3,456 |
Average earning assets | $145,096,333 | 3,445 |
Average equity | $11,296,333 | 3,851 |
Average total loans | $67,106,000 | 3,670 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2258% | 2,613 |
Cost of funding earning assets | 0.2532% | 2,119 |
Net interest margin | 2.9726% | 2,593 |
Noninterest income to average assets | 0.4618% | 2,345 |
Noninterest expense to average assets | 2.6571% | 1,460 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.5907% | 3,423 |
Return on assets (ROA) | 0.5520% | 3,525 |
Pretax return on assets | 0.5520% | 3,746 |
Return on Equity (ROE) | 6.4041% | 3,216 |
Retained earnings to average equity (ytd only) | 3.8903% | 2,971 |
Net charge-offs to loans | 0.0428% | 855 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | 32.7143% | 1,093 |
Efficiency ratio | 81.8110% | 994 |
Assets per employee ($millions) | 6.5113% | 2,373 |
Cash dividends to net income (ytd only)* | 39.2523% | 1,519 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4280% | 305 |
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 | 0.0000% | 4,066 |
Net loans and leases to total assets | 39.2930% | 4,054 |
Net loans and leases to deposits | 42.7893% | 4,125 |
Net loans and leases to core deposits | 45.7413% | 4,085 |
Total domestic deposits to total assets | 91.8290% | 647 |
Equity capital to assets | 7.3871% | 3,997 |
Core capital (leverage) ratio | 9.7368% | 2,555 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $155,059,000 | 3,471 |
Average earning assets | $145,328,000 | 3,459 |
Average equity | $13,366,500 | 3,721 |
Average total loans | $65,347,500 | 3,712 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9919% | 1,375 |
Cost of funding earning assets | 0.3161% | 2,234 |
Net interest margin | 3.6758% | 1,274 |
Noninterest income to average assets | 0.4919% | 2,609 |
Noninterest expense to average assets | 2.7323% | 1,541 |
Loan and lease loss provision to assets | 0.4545% | 133 |
Net operating income to assets | 0.7325% | 3,537 |
Return on assets (ROA) | 0.7018% | 3,678 |
Pretax return on assets | 0.7018% | 3,925 |
Return on Equity (ROE) | 6.6128% | 3,619 |
Retained earnings to average equity (ytd only) | 0.2834% | 4,420 |
Net charge-offs to loans | 0.0271% | 1,698 |
Credit loss provision to net charge-offs | 3,578.9474% | 188 |
Earnings coverage of net charge-offs (x) | 93.4737% | 905 |
Efficiency ratio | 69.7135% | 1,772 |
Assets per employee ($millions) | 6.9930% | 1,931 |
Cash dividends to net income (ytd only)* | 95.7143% | 262 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2652% | 407 |
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 | 0.0000% | 4,145 |
Net loans and leases to total assets | 43.0482% | 3,908 |
Net loans and leases to deposits | 48.0732% | 3,990 |
Net loans and leases to core deposits | 51.7031% | 3,913 |
Total domestic deposits to total assets | 89.5473% | 1,213 |
Equity capital to assets | 9.8729% | 2,781 |
Core capital (leverage) ratio | 9.9978% | 2,376 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $149,618,000 | 3,487 |
Average earning assets | $139,506,200 | 3,478 |
Average equity | $15,878,400 | 3,552 |
Average total loans | $70,034,400 | 3,646 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1731% | 1,143 |
Cost of funding earning assets | 0.3300% | 2,300 |
Net interest margin | 3.8431% | 1,034 |
Noninterest income to average assets | 0.5062% | 2,599 |
Noninterest expense to average assets | 2.7517% | 1,460 |
Loan and lease loss provision to assets | 0.2874% | 283 |
Net operating income to assets | 1.0527% | 2,719 |
Return on assets (ROA) | 1.0698% | 2,718 |
Pretax return on assets | 1.0698% | 3,269 |
Return on Equity (ROE) | 9.9017% | 2,772 |
Retained earnings to average equity (ytd only) | 3.2230% | 3,820 |
Net charge-offs to loans | 0.0302% | 1,447 |
Credit loss provision to net charge-offs | 2,000.0000% | 325 |
Earnings coverage of net charge-offs (x) | 93.3125% | 905 |
Efficiency ratio | 67.2516% | 1,932 |
Assets per employee ($millions) | 6.6228% | 2,155 |
Cash dividends to net income (ytd only)* | 67.4497% | 641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7187% | 1,074 |
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 | 0.0000% | 4,237 |
Net loans and leases to total assets | 44.2242% | 3,939 |
Net loans and leases to deposits | 50.6196% | 3,976 |
Net loans and leases to core deposits | 54.6555% | 3,874 |
Total domestic deposits to total assets | 87.3657% | 2,176 |
Equity capital to assets | 10.6851% | 2,274 |
Core capital (leverage) ratio | 10.3296% | 2,199 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $148,561,000 | 3,527 |
Average earning assets | $138,600,000 | 3,521 |
Average equity | $16,050,750 | 3,582 |
Average total loans | $70,602,250 | 3,689 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2563% | 1,083 |
Cost of funding earning assets | 0.3640% | 2,189 |
Net interest margin | 3.8923% | 985 |
Noninterest income to average assets | 0.5173% | 2,547 |
Noninterest expense to average assets | 2.7684% | 1,423 |
Loan and lease loss provision to assets | 0.3123% | 267 |
Net operating income to assets | 1.0658% | 2,660 |
Return on assets (ROA) | 1.0930% | 2,645 |
Pretax return on assets | 1.0930% | 3,239 |
Return on Equity (ROE) | 10.0778% | 2,715 |
Retained earnings to average equity (ytd only) | 6.2846% | 2,702 |
Net charge-offs to loans | -0.0028% | 3,269 |
Credit loss provision to net charge-offs | -23,000.0000% | 4,101 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.7649% | 2,047 |
Assets per employee ($millions) | 6.1629% | 2,470 |
Cash dividends to net income (ytd only)* | 37.6398% | 1,716 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5696% | 1,356 |
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 | 0.0000% | 4,280 |
Net loans and leases to total assets | 46.8498% | 3,841 |
Net loans and leases to deposits | 52.9770% | 3,933 |
Net loans and leases to core deposits | 57.1067% | 3,826 |
Total domestic deposits to total assets | 88.4341% | 1,601 |
Equity capital to assets | 10.9155% | 2,051 |
Core capital (leverage) ratio | 10.3351% | 2,088 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $147,306,667 | 3,548 |
Average earning assets | $137,348,667 | 3,546 |
Average equity | $15,975,667 | 3,592 |
Average total loans | $71,289,000 | 3,702 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6221% | 2,574 |
Cost of funding earning assets | 0.3924% | 2,156 |
Net interest margin | 3.2297% | 2,605 |
Noninterest income to average assets | 0.5224% | 2,514 |
Noninterest expense to average assets | 2.7890% | 1,391 |
Loan and lease loss provision to assets | 0.2993% | 313 |
Net operating income to assets | 0.4354% | 4,294 |
Return on assets (ROA) | 0.4898% | 4,233 |
Pretax return on assets | 0.4898% | 4,368 |
Return on Equity (ROE) | 4.5309% | 4,180 |
Retained earnings to average equity (ytd only) | 2.4165% | 3,928 |
Net charge-offs to loans | -0.0056% | 3,433 |
Credit loss provision to net charge-offs | -11,000.0000% | 3,805 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.1506% | 881 |
Assets per employee ($millions) | 6.4753% | 2,195 |
Cash dividends to net income (ytd only)* | 46.6667% | 1,197 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3416% | 2,246 |
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 | 0.0000% | 4,341 |
Net loans and leases to total assets | 46.6108% | 3,915 |
Net loans and leases to deposits | 52.1434% | 4,038 |
Net loans and leases to core deposits | 56.6105% | 3,934 |
Total domestic deposits to total assets | 89.3897% | 1,130 |
Equity capital to assets | 9.9970% | 2,711 |
Core capital (leverage) ratio | 10.2673% | 2,274 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $147,005,500 | 3,554 |
Average earning assets | $136,606,000 | 3,555 |
Average equity | $15,891,000 | 3,607 |
Average total loans | $71,733,500 | 3,702 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4361% | 1,477 |
Cost of funding earning assets | 0.5772% | 2,468 |
Net interest margin | 3.8589% | 1,335 |
Noninterest income to average assets | 0.9134% | 1,231 |
Noninterest expense to average assets | 3.7391% | 503 |
Loan and lease loss provision to assets | 0.3504% | 986 |
Net operating income to assets | 0.3631% | 4,321 |
Return on assets (ROA) | 0.7233% | 3,489 |
Pretax return on assets | 0.7233% | 3,832 |
Return on Equity (ROE) | 6.1496% | 3,532 |
Retained earnings to average equity (ytd only) | 0.6875% | 4,319 |
Net charge-offs to loans | 0.8469% | 166 |
Credit loss provision to net charge-offs | 73.1250% | 3,030 |
Earnings coverage of net charge-offs (x) | 1.4891% | 3,251 |
Efficiency ratio | 83.9751% | 633 |
Assets per employee ($millions) | 5.5442% | 2,798 |
Cash dividends to net income (ytd only)* | 88.8199% | 435 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2478% | 2,701 |
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 | 0.0000% | 4,420 |
Net loans and leases to total assets | 49.9058% | 3,833 |
Net loans and leases to deposits | 56.9781% | 3,945 |
Net loans and leases to core deposits | 61.4322% | 3,862 |
Total domestic deposits to total assets | 87.5877% | 1,665 |
Equity capital to assets | 11.7211% | 1,719 |
Core capital (leverage) ratio | 11.0244% | 1,781 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $133,563,200 | 3,580 |
Average earning assets | $122,496,200 | 3,597 |
Average equity | $15,708,400 | 3,585 |
Average total loans | $75,565,800 | 3,634 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4193% | 1,804 |
Cost of funding earning assets | 0.6198% | 2,485 |
Net interest margin | 3.7996% | 1,621 |
Noninterest income to average assets | 1.0299% | 979 |
Noninterest expense to average assets | 3.9373% | 400 |
Loan and lease loss provision to assets | 0.3205% | 1,237 |
Net operating income to assets | 0.2691% | 4,493 |
Return on assets (ROA) | 0.7538% | 3,379 |
Pretax return on assets | 0.7538% | 3,769 |
Return on Equity (ROE) | 6.4037% | 3,407 |
Retained earnings to average equity (ytd only) | 0.3424% | 4,421 |
Net charge-offs to loans | 1.1107% | 121 |
Credit loss provision to net charge-offs | 49.6100% | 2,888 |
Earnings coverage of net charge-offs (x) | 0.9126% | 3,109 |
Efficiency ratio | 86.9768% | 461 |
Assets per employee ($millions) | 5.3796% | 2,815 |
Cash dividends to net income (ytd only)* | 94.6524% | 366 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9372% | 3,945 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2662% | 3,111 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 56.8240% | 3,543 |
Net loans and leases to deposits | 66.7476% | 3,559 |
Net loans and leases to core deposits | 72.6894% | 3,416 |
Total domestic deposits to total assets | 85.1326% | 2,382 |
Equity capital to assets | 11.9140% | 1,732 |
Core capital (leverage) ratio | 11.1939% | 1,762 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $132,302,750 | 3,587 |
Average earning assets | $121,765,500 | 3,595 |
Average equity | $15,574,000 | 3,602 |
Average total loans | $76,945,750 | 3,630 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4744% | 1,994 |
Cost of funding earning assets | 0.6648% | 2,593 |
Net interest margin | 3.8095% | 1,812 |
Noninterest income to average assets | 0.7676% | 1,532 |
Noninterest expense to average assets | 3.8792% | 467 |
Loan and lease loss provision to assets | 0.2554% | 1,658 |
Net operating income to assets | 0.1520% | 4,631 |
Return on assets (ROA) | 0.8832% | 2,878 |
Pretax return on assets | 0.8832% | 3,362 |
Return on Equity (ROE) | 7.5336% | 2,924 |
Retained earnings to average equity (ytd only) | 3.5269% | 3,164 |
Net charge-offs to loans | 1.6623% | 79 |
Credit loss provision to net charge-offs | 26.2911% | 2,714 |
Earnings coverage of net charge-offs (x) | 0.4194% | 2,921 |
Efficiency ratio | 90.4965% | 376 |
Assets per employee ($millions) | 5.4896% | 2,648 |
Cash dividends to net income (ytd only)* | 53.1842% | 1,448 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7383% | 4,492 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.2609% | 3,268 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 56.3273% | 3,660 |
Net loans and leases to deposits | 64.4159% | 3,852 |
Net loans and leases to core deposits | 70.8007% | 3,652 |
Total domestic deposits to total assets | 87.4431% | 1,436 |
Equity capital to assets | 11.7321% | 1,816 |
Core capital (leverage) ratio | 11.3289% | 1,750 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $131,574,000 | 3,582 |
Average earning assets | $121,536,667 | 3,583 |
Average equity | $15,424,333 | 3,613 |
Average total loans | $76,879,333 | 3,632 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4834% | 2,355 |
Cost of funding earning assets | 0.7250% | 2,805 |
Net interest margin | 3.7585% | 2,115 |
Noninterest income to average assets | 0.5313% | 2,383 |
Noninterest expense to average assets | 3.2375% | 1,345 |
Loan and lease loss provision to assets | 0.1585% | 1,822 |
Net operating income to assets | 0.6307% | 3,513 |
Return on assets (ROA) | 0.6835% | 3,397 |
Pretax return on assets | 0.6835% | 3,736 |
Return on Equity (ROE) | 5.8332% | 3,378 |
Retained earnings to average equity (ytd only) | 3.2348% | 2,985 |
Net charge-offs to loans | 0.7646% | 199 |
Credit loss provision to net charge-offs | 34.9315% | 2,125 |
Earnings coverage of net charge-offs (x) | 1.7397% | 2,347 |
Efficiency ratio | 80.4012% | 1,101 |
Assets per employee ($millions) | 5.1294% | 2,501 |
Cash dividends to net income (ytd only)* | 44.5455% | 1,773 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2744% | 2,261 |
Loan loss allowance to noncurrent loans | 30.0095% | 4,401 |
Noncurrent assets plus other real estate owned to assets | 2.7504% | 230 |
Noncurrent loans to loans | 4.2467% | 169 |
Net loans and leases to total assets | 57.4500% | 3,713 |
Net loans and leases to deposits | 65.5249% | 3,895 |
Net loans and leases to core deposits | 72.4695% | 3,733 |
Total domestic deposits to total assets | 87.6765% | 1,240 |
Equity capital to assets | 11.5086% | 2,430 |
Core capital (leverage) ratio | 11.6770% | 1,941 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $128,741,500 | 3,598 |
Average earning assets | $119,729,500 | 3,583 |
Average equity | $15,086,000 | 3,650 |
Average total loans | $76,380,000 | 3,637 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6662% | 2,418 |
Cost of funding earning assets | 0.8510% | 2,425 |
Net interest margin | 3.8152% | 2,454 |
Noninterest income to average assets | 0.4712% | 2,896 |
Noninterest expense to average assets | 3.0912% | 1,785 |
Loan and lease loss provision to assets | 0.1135% | 1,854 |
Net operating income to assets | 0.8192% | 3,491 |
Return on assets (ROA) | 0.8340% | 3,527 |
Pretax return on assets | 0.8340% | 3,909 |
Return on Equity (ROE) | 7.5797% | 3,333 |
Retained earnings to average equity (ytd only) | 1.2071% | 4,309 |
Net charge-offs to loans | 0.5733% | 321 |
Credit loss provision to net charge-offs | 33.7748% | 3,246 |
Earnings coverage of net charge-offs (x) | 2.7748% | 3,381 |
Efficiency ratio | 76.8209% | 1,285 |
Assets per employee ($millions) | 5.1699% | 2,370 |
Cash dividends to net income (ytd only)* | 84.0747% | 684 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3387% | 1,752 |
Loan loss allowance to noncurrent loans | 237.7273% | 1,837 |
Noncurrent assets plus other real estate owned to assets | 0.3861% | 2,860 |
Noncurrent loans to loans | 0.5631% | 2,489 |
Net loans and leases to total assets | 59.6466% | 3,620 |
Net loans and leases to deposits | 68.3967% | 3,787 |
Net loans and leases to core deposits | 75.4288% | 3,615 |
Total domestic deposits to total assets | 87.2068% | 1,516 |
Equity capital to assets | 11.9259% | 2,179 |
Core capital (leverage) ratio | 11.6730% | 1,983 |
Tier 1 risk-based capital ratio | 16.8685% | 2,094 |
Total risk-based capital ratio | 18.0467% | 2,059 |
Memoranda: | ||
Average total assets | $134,768,600 | 3,509 |
Average earning assets | $125,497,000 | 3,489 |
Average equity | $14,829,000 | 3,655 |
Average total loans | $79,014,400 | 3,618 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6322% | 2,624 |
Cost of funding earning assets | 0.8803% | 2,317 |
Net interest margin | 3.7519% | 2,743 |
Noninterest income to average assets | 0.4671% | 2,915 |
Noninterest expense to average assets | 3.0270% | 1,903 |
Loan and lease loss provision to assets | 0.0999% | 1,923 |
Net operating income to assets | 0.8422% | 3,537 |
Return on assets (ROA) | 0.8588% | 3,563 |
Pretax return on assets | 0.8588% | 3,979 |
Return on Equity (ROE) | 7.9638% | 3,324 |
Retained earnings to average equity (ytd only) | 0.3087% | 4,703 |
Net charge-offs to loans | 0.6647% | 242 |
Credit loss provision to net charge-offs | 25.8228% | 2,936 |
Earnings coverage of net charge-offs (x) | 2.4355% | 3,196 |
Efficiency ratio | 76.2645% | 1,303 |
Assets per employee ($millions) | 5.1385% | 2,409 |
Cash dividends to net income (ytd only)* | 96.1233% | 369 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3196% | 1,884 |
Loan loss allowance to noncurrent loans | 190.0722% | 2,173 |
Noncurrent assets plus other real estate owned to assets | 0.4772% | 2,618 |
Noncurrent loans to loans | 0.6943% | 2,221 |
Net loans and leases to total assets | 61.2975% | 3,563 |
Net loans and leases to deposits | 70.3832% | 3,745 |
Net loans and leases to core deposits | 78.7204% | 3,489 |
Total domestic deposits to total assets | 87.0911% | 1,472 |
Equity capital to assets | 11.8992% | 2,326 |
Core capital (leverage) ratio | 11.1795% | 2,486 |
Tier 1 risk-based capital ratio | 16.6317% | 2,213 |
Total risk-based capital ratio | 17.8126% | 2,175 |
Memoranda: | ||
Average total assets | $136,148,750 | 3,526 |
Average earning assets | $127,079,250 | 3,504 |
Average equity | $14,682,750 | 3,699 |
Average total loans | $79,233,500 | 3,652 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5199% | 2,951 |
Cost of funding earning assets | 0.8984% | 2,151 |
Net interest margin | 3.6215% | 3,187 |
Noninterest income to average assets | 0.4542% | 2,937 |
Noninterest expense to average assets | 2.9947% | 2,024 |
Loan and lease loss provision to assets | 0.0735% | 2,345 |
Net operating income to assets | 0.7685% | 3,760 |
Return on assets (ROA) | 0.8046% | 3,697 |
Pretax return on assets | 0.8046% | 4,082 |
Return on Equity (ROE) | 7.7063% | 3,419 |
Retained earnings to average equity (ytd only) | 2.5550% | 3,919 |
Net charge-offs to loans | 0.9868% | 144 |
Credit loss provision to net charge-offs | 13.0769% | 2,684 |
Earnings coverage of net charge-offs (x) | 1.4974% | 3,012 |
Efficiency ratio | 78.0534% | 1,146 |
Assets per employee ($millions) | 5.5940% | 1,877 |
Cash dividends to net income (ytd only)* | 66.8459% | 1,201 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2647% | 2,166 |
Loan loss allowance to noncurrent loans | 182.5771% | 2,297 |
Noncurrent assets plus other real estate owned to assets | 0.4362% | 2,768 |
Noncurrent loans to loans | 0.6927% | 2,238 |
Net loans and leases to total assets | 56.1580% | 4,068 |
Net loans and leases to deposits | 63.7595% | 4,238 |
Net loans and leases to core deposits | 74.1244% | 3,884 |
Total domestic deposits to total assets | 88.0779% | 1,065 |
Equity capital to assets | 10.9446% | 3,128 |
Core capital (leverage) ratio | 11.0113% | 2,589 |
Tier 1 risk-based capital ratio | 16.4666% | 2,250 |
Total risk-based capital ratio | 17.5723% | 2,242 |
Memoranda: | ||
Average total assets | $138,711,000 | 3,507 |
Average earning assets | $129,559,330 | 3,485 |
Average equity | $14,481,670 | 3,725 |
Average total loans | $79,045,670 | 3,678 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5245% | 2,787 |
Cost of funding earning assets | 0.8794% | 2,100 |
Net interest margin | 3.6451% | 3,090 |
Noninterest income to average assets | 0.4228% | 3,031 |
Noninterest expense to average assets | 2.9680% | 2,080 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.8513% | 3,448 |
Return on assets (ROA) | 0.9005% | 3,284 |
Pretax return on assets | 0.9005% | 3,767 |
Return on Equity (ROE) | 8.8418% | 2,876 |
Retained earnings to average equity (ytd only) | 6.0272% | 2,445 |
Net charge-offs to loans | 1.9696% | 56 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | 0.7577% | 2,646 |
Efficiency ratio | 77.7104% | 1,304 |
Assets per employee ($millions) | 5.5345% | 1,951 |
Cash dividends to net income (ytd only)* | 31.8328% | 2,175 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2481% | 2,334 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.5486% | 2,450 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 54.7834% | 4,150 |
Net loans and leases to deposits | 61.8412% | 4,309 |
Net loans and leases to core deposits | 72.7412% | 3,890 |
Total domestic deposits to total assets | 88.5873% | 1,040 |
Equity capital to assets | 10.4681% | 3,373 |
Core capital (leverage) ratio | 10.7581% | 2,795 |
Tier 1 risk-based capital ratio | 16.8238% | 2,164 |
Total risk-based capital ratio | 17.8976% | 2,167 |
Memoranda: | ||
Average total assets | $138,141,500 | 3,557 |
Average earning assets | $128,720,500 | 3,537 |
Average equity | $14,069,500 | 3,789 |
Average total loans | $78,797,000 | 3,720 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5173% | 2,412 |
Cost of funding earning assets | 0.7296% | 1,907 |
Net interest margin | 3.7876% | 2,705 |
Noninterest income to average assets | 0.4748% | 2,972 |
Noninterest expense to average assets | 2.9788% | 2,100 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 1.0073% | 2,974 |
Return on assets (ROA) | 0.9993% | 3,003 |
Pretax return on assets | 0.9993% | 3,604 |
Return on Equity (ROE) | 10.1254% | 2,466 |
Retained earnings to average equity (ytd only) | 1.9614% | 4,365 |
Net charge-offs to loans | 0.0149% | 3,183 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | 114.9167% | 666 |
Efficiency ratio | 74.7297% | 1,533 |
Assets per employee ($millions) | 5.5168% | 1,936 |
Cash dividends to net income (ytd only)* | 80.6287% | 691 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6663% | 889 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0428% | 4,637 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 57.6341% | 4,001 |
Net loans and leases to deposits | 64.6731% | 4,211 |
Net loans and leases to core deposits | 76.3678% | 3,689 |
Total domestic deposits to total assets | 89.1162% | 815 |
Equity capital to assets | 9.9007% | 3,761 |
Core capital (leverage) ratio | 10.4893% | 3,039 |
Tier 1 risk-based capital ratio | 16.2260% | 2,333 |
Total risk-based capital ratio | 17.4783% | 2,274 |
Memoranda: | ||
Average total assets | $136,900,800 | 3,549 |
Average earning assets | $126,913,400 | 3,548 |
Average equity | $13,510,600 | 3,815 |
Average total loans | $80,510,400 | 3,660 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4423% | 2,491 |
Cost of funding earning assets | 0.6753% | 1,998 |
Net interest margin | 3.7670% | 2,763 |
Noninterest income to average assets | 0.4752% | 3,010 |
Noninterest expense to average assets | 2.9643% | 2,128 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.0050% | 3,061 |
Return on assets (ROA) | 0.9943% | 3,120 |
Pretax return on assets | 0.9943% | 3,733 |
Return on Equity (ROE) | 10.0830% | 2,582 |
Retained earnings to average equity (ytd only) | 1.3556% | 4,760 |
Net charge-offs to loans | -0.0265% | 4,708 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.6804% | 1,498 |
Assets per employee ($millions) | 5.7365% | 1,703 |
Cash dividends to net income (ytd only)* | 86.5556% | 440 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6495% | 966 |
Loan loss allowance to noncurrent loans | 417.6292% | 1,270 |
Noncurrent assets plus other real estate owned to assets | 0.2294% | 3,799 |
Noncurrent loans to loans | 0.3950% | 3,239 |
Net loans and leases to total assets | 57.1245% | 4,123 |
Net loans and leases to deposits | 65.0878% | 4,267 |
Net loans and leases to core deposits | 77.2300% | 3,718 |
Total domestic deposits to total assets | 87.7654% | 1,355 |
Equity capital to assets | 9.0417% | 4,514 |
Core capital (leverage) ratio | 10.6785% | 2,904 |
Tier 1 risk-based capital ratio | 15.5455% | 2,630 |
Total risk-based capital ratio | 16.7970% | 2,564 |
Memoranda: | ||
Average total assets | $136,646,000 | 3,591 |
Average earning assets | $126,747,750 | 3,585 |
Average equity | $13,474,500 | 3,853 |
Average total loans | $80,429,000 | 3,690 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3980% | 2,419 |
Cost of funding earning assets | 0.6335% | 2,025 |
Net interest margin | 3.7645% | 2,697 |
Noninterest income to average assets | 0.4926% | 2,901 |
Noninterest expense to average assets | 2.9838% | 2,082 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.0283% | 2,902 |
Return on assets (ROA) | 1.0492% | 2,806 |
Pretax return on assets | 1.0492% | 3,519 |
Return on Equity (ROE) | 10.3345% | 2,409 |
Retained earnings to average equity (ytd only) | 5.1159% | 3,018 |
Net charge-offs to loans | -0.0428% | 4,867 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.3694% | 1,654 |
Assets per employee ($millions) | 5.1563% | 2,239 |
Cash dividends to net income (ytd only)* | 50.4965% | 1,649 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7424% | 835 |
Loan loss allowance to noncurrent loans | 1,697.5309% | 380 |
Noncurrent assets plus other real estate owned to assets | 0.0604% | 4,718 |
Noncurrent loans to loans | 0.1026% | 4,454 |
Net loans and leases to total assets | 57.8380% | 4,007 |
Net loans and leases to deposits | 65.0569% | 4,218 |
Net loans and leases to core deposits | 74.2464% | 3,865 |
Total domestic deposits to total assets | 88.9038% | 971 |
Equity capital to assets | 10.0571% | 3,570 |
Core capital (leverage) ratio | 11.0138% | 2,514 |
Tier 1 risk-based capital ratio | 16.6998% | 2,194 |
Total risk-based capital ratio | 17.9532% | 2,142 |
Memoranda: | ||
Average total assets | $134,390,330 | 3,638 |
Average earning assets | $125,647,000 | 3,628 |
Average equity | $13,643,670 | 3,850 |
Average total loans | $79,472,670 | 3,724 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3694% | 2,297 |
Cost of funding earning assets | 0.6315% | 1,833 |
Net interest margin | 3.7379% | 2,655 |
Noninterest income to average assets | 0.5083% | 2,756 |
Noninterest expense to average assets | 2.9193% | 2,290 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 1.0732% | 2,552 |
Return on assets (ROA) | 1.1207% | 2,348 |
Pretax return on assets | 1.1207% | 3,091 |
Return on Equity (ROE) | 10.9881% | 1,973 |
Retained earnings to average equity (ytd only) | 8.2775% | 1,737 |
Net charge-offs to loans | -0.0752% | 5,130 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.1199% | 2,023 |
Assets per employee ($millions) | 5.3753% | 2,067 |
Cash dividends to net income (ytd only)* | 24.6684% | 2,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7583% | 853 |
Loan loss allowance to noncurrent loans | 1,695.0617% | 386 |
Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,790 |
Noncurrent loans to loans | 0.1037% | 4,506 |
Net loans and leases to total assets | 57.0865% | 4,024 |
Net loans and leases to deposits | 64.1899% | 4,200 |
Net loans and leases to core deposits | 73.8686% | 3,830 |
Total domestic deposits to total assets | 88.9338% | 1,126 |
Equity capital to assets | 10.0170% | 3,574 |
Core capital (leverage) ratio | 10.9056% | 2,536 |
Tier 1 risk-based capital ratio | 16.6240% | 2,239 |
Total risk-based capital ratio | 17.8773% | 2,178 |
Memoranda: | ||
Average total assets | $134,553,500 | 3,673 |
Average earning assets | $125,417,500 | 3,659 |
Average equity | $13,724,000 | 3,870 |
Average total loans | $79,751,500 | 3,749 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4091% | 2,007 |
Cost of funding earning assets | 0.5724% | 1,806 |
Net interest margin | 3.8367% | 2,298 |
Noninterest income to average assets | 0.5366% | 2,790 |
Noninterest expense to average assets | 3.0137% | 2,140 |
Loan and lease loss provision to assets | 0.0149% | 3,995 |
Net operating income to assets | 1.0851% | 1,908 |
Return on assets (ROA) | 1.1200% | 1,819 |
Pretax return on assets | 1.1200% | 3,106 |
Return on Equity (ROE) | 11.0631% | 1,454 |
Retained earnings to average equity (ytd only) | 5.6674% | 1,727 |
Net charge-offs to loans | 0.1247% | 1,801 |
Credit loss provision to net charge-offs | 19.8020% | 3,609 |
Earnings coverage of net charge-offs (x) | 14.6535% | 2,313 |
Efficiency ratio | 73.2611% | 2,021 |
Assets per employee ($millions) | 5.3890% | 2,065 |
Cash dividends to net income (ytd only)* | 48.7724% | 2,372 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6680% | 997 |
Loan loss allowance to noncurrent loans | 870.5128% | 705 |
Noncurrent assets plus other real estate owned to assets | 0.1158% | 4,554 |
Noncurrent loans to loans | 0.1916% | 4,147 |
Net loans and leases to total assets | 59.4233% | 3,887 |
Net loans and leases to deposits | 68.1588% | 4,015 |
Net loans and leases to core deposits | 86.7988% | 2,848 |
Total domestic deposits to total assets | 87.1835% | 1,906 |
Equity capital to assets | 10.3819% | 3,291 |
Core capital (leverage) ratio | 10.6227% | 2,715 |
Tier 1 risk-based capital ratio | 15.8537% | 2,491 |
Total risk-based capital ratio | 17.1061% | 2,432 |
Memoranda: | ||
Average total assets | $134,551,200 | 3,686 |
Average earning assets | $125,445,600 | 3,657 |
Average equity | $13,621,800 | 3,896 |
Average total loans | $80,962,800 | 3,731 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3641% | 2,061 |
Cost of funding earning assets | 0.5483% | 1,908 |
Net interest margin | 3.8158% | 2,340 |
Noninterest income to average assets | 0.4758% | 3,178 |
Noninterest expense to average assets | 3.0669% | 1,900 |
Loan and lease loss provision to assets | 0.0198% | 3,745 |
Net operating income to assets | 0.9556% | 2,740 |
Return on assets (ROA) | 1.0041% | 2,580 |
Pretax return on assets | 1.0041% | 3,671 |
Return on Equity (ROE) | 9.9821% | 2,140 |
Retained earnings to average equity (ytd only) | 3.6657% | 3,746 |
Net charge-offs to loans | 0.1616% | 1,270 |
Credit loss provision to net charge-offs | 20.4082% | 3,154 |
Earnings coverage of net charge-offs (x) | 10.0411% | 2,638 |
Efficiency ratio | 75.8705% | 1,609 |
Assets per employee ($millions) | 4.8176% | 2,674 |
Cash dividends to net income (ytd only)* | 63.2779% | 1,220 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6584% | 1,112 |
Loan loss allowance to noncurrent loans | 795.9064% | 712 |
Noncurrent assets plus other real estate owned to assets | 0.1268% | 4,611 |
Noncurrent loans to loans | 0.2084% | 4,242 |
Net loans and leases to total assets | 59.8299% | 3,884 |
Net loans and leases to deposits | 69.9483% | 3,965 |
Net loans and leases to core deposits | 86.8901% | 2,880 |
Total domestic deposits to total assets | 85.5346% | 2,505 |
Equity capital to assets | 10.3926% | 3,486 |
Core capital (leverage) ratio | 10.4186% | 3,067 |
Tier 1 risk-based capital ratio | 15.3569% | 2,768 |
Total risk-based capital ratio | 16.6087% | 2,714 |
Memoranda: | ||
Average total assets | $134,507,750 | 3,720 |
Average earning assets | $125,720,000 | 3,686 |
Average equity | $13,530,500 | 3,949 |
Average total loans | $80,849,500 | 3,764 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3004% | 2,124 |
Cost of funding earning assets | 0.5127% | 2,074 |
Net interest margin | 3.7877% | 2,330 |
Noninterest income to average assets | 0.4584% | 3,301 |
Noninterest expense to average assets | 3.0540% | 1,963 |
Loan and lease loss provision to assets | 0.0298% | 3,402 |
Net operating income to assets | 0.9153% | 2,836 |
Return on assets (ROA) | 0.9615% | 2,661 |
Pretax return on assets | 0.9615% | 3,720 |
Return on Equity (ROE) | 9.6651% | 2,187 |
Retained earnings to average equity (ytd only) | 5.6854% | 2,306 |
Net charge-offs to loans | 0.2436% | 838 |
Credit loss provision to net charge-offs | 20.4082% | 2,784 |
Earnings coverage of net charge-offs (x) | 6.4796% | 2,708 |
Efficiency ratio | 76.3677% | 1,661 |
Assets per employee ($millions) | 4.9096% | 2,500 |
Cash dividends to net income (ytd only)* | 41.1765% | 2,275 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6857% | 1,087 |
Loan loss allowance to noncurrent loans | 1,767.5325% | 372 |
Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,989 |
Noncurrent loans to loans | 0.0954% | 4,744 |
Net loans and leases to total assets | 57.7410% | 4,063 |
Net loans and leases to deposits | 68.7828% | 4,006 |
Net loans and leases to core deposits | 74.9566% | 3,861 |
Total domestic deposits to total assets | 83.9469% | 3,218 |
Equity capital to assets | 10.2329% | 3,638 |
Core capital (leverage) ratio | 10.6472% | 2,764 |
Tier 1 risk-based capital ratio | 15.4486% | 2,729 |
Total risk-based capital ratio | 16.7005% | 2,665 |
Memoranda: | ||
Average total assets | $134,379,000 | 3,749 |
Average earning assets | $125,617,330 | 3,710 |
Average equity | $13,367,670 | 3,982 |
Average total loans | $80,443,330 | 3,785 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2874% | 1,990 |
Cost of funding earning assets | 0.5042% | 2,053 |
Net interest margin | 3.7832% | 2,175 |
Noninterest income to average assets | 0.4698% | 3,189 |
Noninterest expense to average assets | 3.1167% | 1,818 |
Loan and lease loss provision to assets | 0.0602% | 2,594 |
Net operating income to assets | 0.8401% | 3,042 |
Return on assets (ROA) | 0.8401% | 3,089 |
Pretax return on assets | 0.8401% | 3,974 |
Return on Equity (ROE) | 8.5727% | 2,631 |
Retained earnings to average equity (ytd only) | 5.8381% | 2,417 |
Net charge-offs to loans | 0.0697% | 1,631 |
Credit loss provision to net charge-offs | 142.8571% | 1,245 |
Earnings coverage of net charge-offs (x) | 21.3571% | 1,448 |
Efficiency ratio | 77.5862% | 1,690 |
Assets per employee ($millions) | 4.6109% | 2,993 |
Cash dividends to net income (ytd only)* | 31.8996% | 2,274 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8016% | 956 |
Loan loss allowance to noncurrent loans | 914.5570% | 643 |
Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,789 |
Noncurrent loans to loans | 0.1970% | 4,415 |
Net loans and leases to total assets | 58.9013% | 3,895 |
Net loans and leases to deposits | 68.5021% | 3,940 |
Net loans and leases to core deposits | 74.6019% | 3,777 |
Total domestic deposits to total assets | 85.9846% | 2,674 |
Equity capital to assets | 9.8641% | 3,914 |
Core capital (leverage) ratio | 10.4407% | 2,967 |
Tier 1 risk-based capital ratio | 15.4991% | 2,756 |
Total risk-based capital ratio | 16.7535% | 2,683 |
Memoranda: | ||
Average total assets | $132,834,000 | 3,799 |
Average earning assets | $124,550,000 | 3,761 |
Average equity | $13,018,000 | 4,055 |
Average total loans | $80,296,500 | 3,804 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5199% | 1,479 |
Cost of funding earning assets | 0.4958% | 2,118 |
Net interest margin | 4.0242% | 1,571 |
Noninterest income to average assets | 0.4366% | 3,642 |
Noninterest expense to average assets | 3.0428% | 2,209 |
Loan and lease loss provision to assets | 0.1172% | 2,110 |
Net operating income to assets | 1.0402% | 2,187 |
Return on assets (ROA) | 1.1464% | 1,803 |
Pretax return on assets | 1.1464% | 2,914 |
Return on Equity (ROE) | 11.4019% | 1,433 |
Retained earnings to average equity (ytd only) | 3.5553% | 3,395 |
Net charge-offs to loans | 0.4265% | 607 |
Credit loss provision to net charge-offs | 43.4783% | 3,458 |
Earnings coverage of net charge-offs (x) | 4.2935% | 3,518 |
Efficiency ratio | 72.4451% | 2,520 |
Assets per employee ($millions) | 4.7125% | 2,768 |
Cash dividends to net income (ytd only)* | 68.8179% | 1,372 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7901% | 964 |
Loan loss allowance to noncurrent loans | 639.5556% | 871 |
Noncurrent assets plus other real estate owned to assets | 0.1705% | 4,639 |
Noncurrent loans to loans | 0.2799% | 4,154 |
Net loans and leases to total assets | 59.8313% | 3,875 |
Net loans and leases to deposits | 69.5828% | 3,949 |
Net loans and leases to core deposits | 75.8554% | 3,758 |
Total domestic deposits to total assets | 85.9857% | 2,589 |
Equity capital to assets | 9.7354% | 4,019 |
Core capital (leverage) ratio | 10.2694% | 3,145 |
Tier 1 risk-based capital ratio | 15.3373% | 2,827 |
Total risk-based capital ratio | 16.5912% | 2,749 |
Memoranda: | ||
Average total assets | $136,517,600 | 3,726 |
Average earning assets | $127,678,800 | 3,690 |
Average equity | $13,725,800 | 3,985 |
Average total loans | $86,283,000 | 3,656 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4844% | 1,593 |
Cost of funding earning assets | 0.4885% | 2,190 |
Net interest margin | 3.9959% | 1,667 |
Noninterest income to average assets | 0.4223% | 3,753 |
Noninterest expense to average assets | 3.0141% | 2,277 |
Loan and lease loss provision to assets | 0.0969% | 2,287 |
Net operating income to assets | 1.0431% | 2,232 |
Return on assets (ROA) | 1.1739% | 1,834 |
Pretax return on assets | 1.1739% | 2,951 |
Return on Equity (ROE) | 11.5875% | 1,463 |
Retained earnings to average equity (ytd only) | 3.4514% | 3,829 |
Net charge-offs to loans | 0.3191% | 725 |
Credit loss provision to net charge-offs | 47.6190% | 3,062 |
Earnings coverage of net charge-offs (x) | 5.6048% | 3,106 |
Efficiency ratio | 72.5577% | 2,489 |
Assets per employee ($millions) | 4.8111% | 2,598 |
Cash dividends to net income (ytd only)* | 70.2146% | 1,034 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7543% | 1,096 |
Loan loss allowance to noncurrent loans | 82.2805% | 4,004 |
Noncurrent assets plus other real estate owned to assets | 1.3867% | 1,347 |
Noncurrent loans to loans | 2.1322% | 891 |
Net loans and leases to total assets | 63.8948% | 3,417 |
Net loans and leases to deposits | 74.9519% | 3,506 |
Net loans and leases to core deposits | 81.9035% | 3,290 |
Total domestic deposits to total assets | 85.2478% | 2,695 |
Equity capital to assets | 10.4400% | 3,620 |
Core capital (leverage) ratio | 10.0729% | 3,470 |
Tier 1 risk-based capital ratio | 14.2919% | 3,402 |
Total risk-based capital ratio | 15.5456% | 3,331 |
Memoranda: | ||
Average total assets | $137,659,250 | 3,733 |
Average earning assets | $128,561,000 | 3,693 |
Average equity | $13,945,750 | 3,980 |
Average total loans | $87,757,000 | 3,637 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4847% | 1,564 |
Cost of funding earning assets | 0.4861% | 2,221 |
Net interest margin | 3.9986% | 1,647 |
Noninterest income to average assets | 0.4270% | 3,677 |
Noninterest expense to average assets | 2.9183% | 2,620 |
Loan and lease loss provision to assets | 0.0577% | 2,985 |
Net operating income to assets | 1.1887% | 1,645 |
Return on assets (ROA) | 1.2810% | 1,440 |
Pretax return on assets | 1.2810% | 2,482 |
Return on Equity (ROE) | 12.7712% | 1,085 |
Retained earnings to average equity (ytd only) | 7.8957% | 1,204 |
Net charge-offs to loans | 0.4647% | 479 |
Credit loss provision to net charge-offs | 19.6078% | 2,933 |
Earnings coverage of net charge-offs (x) | 4.2353% | 3,006 |
Efficiency ratio | 70.0727% | 2,973 |
Assets per employee ($millions) | 4.8931% | 2,422 |
Cash dividends to net income (ytd only)* | 38.1757% | 2,504 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6758% | 1,328 |
Loan loss allowance to noncurrent loans | 79.7312% | 4,125 |
Noncurrent assets plus other real estate owned to assets | 1.3576% | 1,467 |
Noncurrent loans to loans | 2.1019% | 930 |
Net loans and leases to total assets | 63.5072% | 3,435 |
Net loans and leases to deposits | 73.2771% | 3,675 |
Net loans and leases to core deposits | 79.6350% | 3,497 |
Total domestic deposits to total assets | 86.6672% | 2,076 |
Equity capital to assets | 10.5403% | 3,588 |
Core capital (leverage) ratio | 9.9848% | 3,579 |
Tier 1 risk-based capital ratio | 14.3015% | 3,435 |
Total risk-based capital ratio | 15.5546% | 3,355 |
Memoranda: | ||
Average total assets | $138,641,670 | 3,742 |
Average earning assets | $129,596,670 | 3,700 |
Average equity | $13,906,330 | 4,004 |
Average total loans | $87,805,670 | 3,653 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4989% | 1,508 |
Cost of funding earning assets | 0.4859% | 2,222 |
Net interest margin | 4.0131% | 1,574 |
Noninterest income to average assets | 0.3843% | 3,952 |
Noninterest expense to average assets | 2.9084% | 2,679 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.2190% | 1,493 |
Return on assets (ROA) | 1.3481% | 1,211 |
Pretax return on assets | 1.3481% | 2,099 |
Return on Equity (ROE) | 13.7840% | 880 |
Retained earnings to average equity (ytd only) | 11.2618% | 607 |
Net charge-offs to loans | 0.0320% | 2,314 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 60.7143% | 774 |
Efficiency ratio | 70.4656% | 3,045 |
Assets per employee ($millions) | 4.8126% | 2,567 |
Cash dividends to net income (ytd only)* | 18.2979% | 2,579 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8882% | 988 |
Loan loss allowance to noncurrent loans | 296.0289% | 1,630 |
Noncurrent assets plus other real estate owned to assets | 0.3969% | 4,002 |
Noncurrent loans to loans | 0.6378% | 3,258 |
Net loans and leases to total assets | 61.0579% | 3,642 |
Net loans and leases to deposits | 69.9690% | 3,864 |
Net loans and leases to core deposits | 76.0429% | 3,679 |
Total domestic deposits to total assets | 87.2641% | 2,068 |
Equity capital to assets | 9.9637% | 4,122 |
Core capital (leverage) ratio | 9.7777% | 3,805 |
Tier 1 risk-based capital ratio | 14.2726% | 3,512 |
Total risk-based capital ratio | 15.5278% | 3,439 |
Memoranda: | ||
Average total assets | $139,458,500 | 3,755 |
Average earning assets | $130,075,000 | 3,712 |
Average equity | $13,639,000 | 4,055 |
Average total loans | $87,462,000 | 3,664 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5012% | 1,595 |
Cost of funding earning assets | 0.5016% | 2,142 |
Net interest margin | 3.9996% | 1,719 |
Noninterest income to average assets | 0.4031% | 4,011 |
Noninterest expense to average assets | 2.8116% | 3,181 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.3294% | 1,207 |
Return on assets (ROA) | 1.3322% | 1,237 |
Pretax return on assets | 1.3322% | 2,157 |
Return on Equity (ROE) | 14.4783% | 768 |
Retained earnings to average equity (ytd only) | 6.2632% | 1,667 |
Net charge-offs to loans | -0.0224% | 5,306 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.8962% | 3,587 |
Assets per employee ($millions) | 4.8052% | 2,596 |
Cash dividends to net income (ytd only)* | 56.7410% | 1,929 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8701% | 1,013 |
Loan loss allowance to noncurrent loans | 338.1930% | 1,462 |
Noncurrent assets plus other real estate owned to assets | 0.3495% | 4,190 |
Noncurrent loans to loans | 0.5530% | 3,512 |
Net loans and leases to total assets | 62.0168% | 3,561 |
Net loans and leases to deposits | 71.7032% | 3,751 |
Net loans and leases to core deposits | 78.0367% | 3,544 |
Total domestic deposits to total assets | 86.4909% | 2,385 |
Equity capital to assets | 9.5959% | 4,440 |
Core capital (leverage) ratio | 9.4111% | 4,304 |
Tier 1 risk-based capital ratio | 13.6664% | 3,905 |
Total risk-based capital ratio | 14.9216% | 3,836 |
Memoranda: | ||
Average total assets | $141,415,400 | 3,701 |
Average earning assets | $132,164,400 | 3,658 |
Average equity | $13,012,600 | 4,141 |
Average total loans | $84,816,400 | 3,705 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4679% | 1,700 |
Cost of funding earning assets | 0.5039% | 2,176 |
Net interest margin | 3.9640% | 1,829 |
Noninterest income to average assets | 0.4077% | 4,027 |
Noninterest expense to average assets | 2.8041% | 3,171 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.3133% | 1,299 |
Return on assets (ROA) | 1.3180% | 1,352 |
Pretax return on assets | 1.3180% | 2,324 |
Return on Equity (ROE) | 14.4754% | 817 |
Retained earnings to average equity (ytd only) | 5.7365% | 2,411 |
Net charge-offs to loans | -0.0175% | 5,156 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.1040% | 3,519 |
Assets per employee ($millions) | 5.2055% | 2,059 |
Cash dividends to net income (ytd only)* | 60.3709% | 1,400 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8359% | 1,193 |
Loan loss allowance to noncurrent loans | 328.4569% | 1,495 |
Noncurrent assets plus other real estate owned to assets | 0.3550% | 4,352 |
Noncurrent loans to loans | 0.5589% | 3,658 |
Net loans and leases to total assets | 62.3526% | 3,555 |
Net loans and leases to deposits | 71.9342% | 3,779 |
Net loans and leases to core deposits | 78.1996% | 3,591 |
Total domestic deposits to total assets | 86.6801% | 2,192 |
Equity capital to assets | 9.2608% | 5,045 |
Core capital (leverage) ratio | 9.3116% | 4,571 |
Tier 1 risk-based capital ratio | 13.3612% | 4,214 |
Total risk-based capital ratio | 14.6159% | 4,134 |
Memoranda: | ||
Average total assets | $141,931,500 | 3,722 |
Average earning assets | $132,825,250 | 3,680 |
Average equity | $12,922,750 | 4,196 |
Average total loans | $84,003,500 | 3,756 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4258% | 1,768 |
Cost of funding earning assets | 0.5074% | 2,184 |
Net interest margin | 3.9183% | 1,917 |
Noninterest income to average assets | 0.4045% | 4,053 |
Noninterest expense to average assets | 2.7403% | 3,448 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.3301% | 1,238 |
Return on assets (ROA) | 1.3357% | 1,273 |
Pretax return on assets | 1.3357% | 2,226 |
Return on Equity (ROE) | 14.7537% | 772 |
Retained earnings to average equity (ytd only) | 9.5100% | 779 |
Net charge-offs to loans | -0.0146% | 5,049 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.3223% | 3,787 |
Assets per employee ($millions) | 5.1522% | 2,091 |
Cash dividends to net income (ytd only)* | 35.5415% | 2,600 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9012% | 1,161 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 60.6074% | 3,741 |
Net loans and leases to deposits | 68.6717% | 4,066 |
Net loans and leases to core deposits | 74.5910% | 3,896 |
Total domestic deposits to total assets | 88.2568% | 1,514 |
Equity capital to assets | 9.2776% | 4,926 |
Core capital (leverage) ratio | 9.0601% | 4,879 |
Tier 1 risk-based capital ratio | 13.9759% | 3,948 |
Total risk-based capital ratio | 15.2313% | 3,875 |
Memoranda: | ||
Average total assets | $142,392,330 | 3,748 |
Average earning assets | $133,220,000 | 3,706 |
Average equity | $12,891,670 | 4,226 |
Average total loans | $82,246,330 | 3,817 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3523% | 1,933 |
Cost of funding earning assets | 0.4981% | 2,299 |
Net interest margin | 3.8542% | 2,052 |
Noninterest income to average assets | 0.3610% | 4,319 |
Noninterest expense to average assets | 2.7466% | 3,428 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.2247% | 1,476 |
Return on assets (ROA) | 1.2608% | 1,462 |
Pretax return on assets | 1.2608% | 2,418 |
Return on Equity (ROE) | 14.0945% | 860 |
Retained earnings to average equity (ytd only) | 11.5177% | 638 |
Net charge-offs to loans | -0.0149% | 4,907 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.1608% | 3,630 |
Assets per employee ($millions) | 5.6062% | 1,707 |
Cash dividends to net income (ytd only)* | 18.2819% | 2,580 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0345% | 1,017 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 53.9132% | 4,456 |
Net loans and leases to deposits | 60.2447% | 4,728 |
Net loans and leases to core deposits | 65.1287% | 4,602 |
Total domestic deposits to total assets | 89.4904% | 997 |
Equity capital to assets | 9.0071% | 5,284 |
Core capital (leverage) ratio | 8.9179% | 5,053 |
Tier 1 risk-based capital ratio | 14.0229% | 3,993 |
Total risk-based capital ratio | 15.2789% | 3,912 |
Memoranda: | ||
Average total assets | $144,033,500 | 3,742 |
Average earning assets | $134,918,500 | 3,706 |
Average equity | $12,884,500 | 4,255 |
Average total loans | $80,397,000 | 3,874 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4621% | 2,025 |
Cost of funding earning assets | 0.5236% | 2,455 |
Net interest margin | 3.9386% | 2,092 |
Noninterest income to average assets | 0.4173% | 4,055 |
Noninterest expense to average assets | 2.7610% | 3,632 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 1.3268% | 1,242 |
Return on assets (ROA) | 1.3381% | 1,263 |
Pretax return on assets | 1.3381% | 2,112 |
Return on Equity (ROE) | 16.3204% | 578 |
Retained earnings to average equity (ytd only) | 8.3798% | 880 |
Net charge-offs to loans | -0.0180% | 5,683 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.5419% | 3,975 |
Assets per employee ($millions) | 5.2706% | 1,994 |
Cash dividends to net income (ytd only)* | 48.6544% | 2,357 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0204% | 1,068 |
Loan loss allowance to noncurrent loans | 1,628.0000% | 402 |
Noncurrent assets plus other real estate owned to assets | 0.0703% | 5,745 |
Noncurrent loans to loans | 0.1241% | 5,407 |
Net loans and leases to total assets | 55.4787% | 4,392 |
Net loans and leases to deposits | 62.8090% | 4,655 |
Net loans and leases to core deposits | 67.9546% | 4,510 |
Total domestic deposits to total assets | 88.3293% | 1,605 |
Equity capital to assets | 8.8823% | 5,396 |
Core capital (leverage) ratio | 8.7184% | 5,329 |
Tier 1 risk-based capital ratio | 13.8882% | 4,174 |
Total risk-based capital ratio | 15.1447% | 4,109 |
Memoranda: | ||
Average total assets | $141,614,600 | 3,766 |
Average earning assets | $131,977,200 | 3,722 |
Average equity | $11,611,200 | 4,435 |
Average total loans | $77,898,800 | 3,935 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4395% | 2,087 |
Cost of funding earning assets | 0.5256% | 2,509 |
Net interest margin | 3.9139% | 2,184 |
Noninterest income to average assets | 0.4298% | 4,024 |
Noninterest expense to average assets | 2.7855% | 3,517 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.2877% | 1,404 |
Return on assets (ROA) | 1.2933% | 1,446 |
Pretax return on assets | 1.2933% | 2,399 |
Return on Equity (ROE) | 16.1114% | 664 |
Retained earnings to average equity (ytd only) | 8.1849% | 1,274 |
Net charge-offs to loans | -0.0190% | 5,596 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.3869% | 3,791 |
Assets per employee ($millions) | 5.5335% | 1,696 |
Cash dividends to net income (ytd only)* | 49.1983% | 1,872 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0345% | 1,198 |
Loan loss allowance to noncurrent loans | 315.5340% | 1,454 |
Noncurrent assets plus other real estate owned to assets | 0.3580% | 4,850 |
Noncurrent loans to loans | 0.6448% | 4,000 |
Net loans and leases to total assets | 54.3883% | 4,530 |
Net loans and leases to deposits | 61.9010% | 4,749 |
Net loans and leases to core deposits | 66.6533% | 4,646 |
Total domestic deposits to total assets | 87.8634% | 1,834 |
Equity capital to assets | 8.3679% | 5,896 |
Core capital (leverage) ratio | 8.5458% | 5,603 |
Tier 1 risk-based capital ratio | 13.5488% | 4,507 |
Total risk-based capital ratio | 14.8056% | 4,446 |
Memoranda: | ||
Average total assets | $141,442,000 | 3,799 |
Average earning assets | $131,664,500 | 3,753 |
Average equity | $11,354,000 | 4,514 |
Average total loans | $77,229,250 | 3,985 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4035% | 2,166 |
Cost of funding earning assets | 0.5287% | 2,553 |
Net interest margin | 3.8748% | 2,282 |
Noninterest income to average assets | 0.4437% | 3,914 |
Noninterest expense to average assets | 2.8073% | 3,475 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.2430% | 1,467 |
Return on assets (ROA) | 1.2600% | 1,479 |
Pretax return on assets | 1.2600% | 2,409 |
Return on Equity (ROE) | 15.9271% | 665 |
Retained earnings to average equity (ytd only) | 11.0375% | 532 |
Net charge-offs to loans | -0.0157% | 5,452 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.3118% | 3,778 |
Assets per employee ($millions) | 5.3723% | 1,808 |
Cash dividends to net income (ytd only)* | 30.6998% | 2,759 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0817% | 1,220 |
Loan loss allowance to noncurrent loans | 396.0880% | 1,169 |
Noncurrent assets plus other real estate owned to assets | 0.2928% | 5,194 |
Noncurrent loans to loans | 0.5256% | 4,434 |
Net loans and leases to total assets | 54.5529% | 4,475 |
Net loans and leases to deposits | 61.1645% | 4,765 |
Net loans and leases to core deposits | 65.5399% | 4,680 |
Total domestic deposits to total assets | 89.1904% | 1,259 |
Equity capital to assets | 8.5924% | 5,723 |
Core capital (leverage) ratio | 8.5509% | 5,586 |
Tier 1 risk-based capital ratio | 13.8353% | 4,362 |
Total risk-based capital ratio | 15.0933% | 4,310 |
Memoranda: | ||
Average total assets | $140,632,330 | 3,838 |
Average earning assets | $130,897,330 | 3,786 |
Average equity | $11,125,670 | 4,578 |
Average total loans | $76,347,670 | 4,029 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4341% | 2,011 |
Cost of funding earning assets | 0.5306% | 2,601 |
Net interest margin | 3.9035% | 2,074 |
Noninterest income to average assets | 0.3884% | 4,288 |
Noninterest expense to average assets | 2.7695% | 3,680 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.2473% | 1,355 |
Return on assets (ROA) | 1.2926% | 1,283 |
Pretax return on assets | 1.2926% | 2,117 |
Return on Equity (ROE) | 17.0667% | 527 |
Retained earnings to average equity (ytd only) | 14.3719% | 370 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.9485% | 4,010 |
Assets per employee ($millions) | 5.4988% | 1,711 |
Cash dividends to net income (ytd only)* | 15.7895% | 2,596 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0960% | 1,334 |
Loan loss allowance to noncurrent loans | 8,966.6667% | 85 |
Noncurrent assets plus other real estate owned to assets | 0.0126% | 6,290 |
Noncurrent loans to loans | 0.0234% | 6,092 |
Net loans and leases to total assets | 52.7313% | 4,570 |
Net loans and leases to deposits | 58.2900% | 4,914 |
Net loans and leases to core deposits | 62.2883% | 4,848 |
Total domestic deposits to total assets | 90.4637% | 818 |
Equity capital to assets | 7.7632% | 6,198 |
Core capital (leverage) ratio | 8.2222% | 5,926 |
Tier 1 risk-based capital ratio | 13.7832% | 4,479 |
Total risk-based capital ratio | 15.0386% | 4,435 |
Memoranda: | ||
Average total assets | $141,108,000 | 3,861 |
Average earning assets | $131,165,500 | 3,816 |
Average equity | $10,687,500 | 4,688 |
Average total loans | $75,611,500 | 4,081 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2717% | 3,062 |
Cost of funding earning assets | 0.7122% | 1,731 |
Net interest margin | 3.5595% | 3,639 |
Noninterest income to average assets | 0.4876% | 3,837 |
Noninterest expense to average assets | 2.6220% | 4,383 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.1598% | 1,721 |
Return on assets (ROA) | 1.1461% | 1,837 |
Pretax return on assets | 1.1461% | 2,781 |
Return on Equity (ROE) | 15.6996% | 658 |
Retained earnings to average equity (ytd only) | 7.5384% | 1,218 |
Net charge-offs to loans | -0.0634% | 6,382 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.3316% | 3,951 |
Assets per employee ($millions) | 5.1573% | 2,001 |
Cash dividends to net income (ytd only)* | 51.9832% | 2,181 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1746% | 1,210 |
Loan loss allowance to noncurrent loans | 1,097.9592% | 466 |
Noncurrent assets plus other real estate owned to assets | 0.1056% | 6,015 |
Noncurrent loans to loans | 0.1981% | 5,594 |
Net loans and leases to total assets | 52.1415% | 4,828 |
Net loans and leases to deposits | 57.4484% | 5,170 |
Net loans and leases to core deposits | 62.4516% | 5,019 |
Total domestic deposits to total assets | 90.7624% | 678 |
Equity capital to assets | 7.3797% | 6,337 |
Core capital (leverage) ratio | 8.0423% | 6,103 |
Tier 1 risk-based capital ratio | 13.6252% | 4,570 |
Total risk-based capital ratio | 14.8828% | 4,511 |
Memoranda: | ||
Average total assets | $145,193,400 | 3,781 |
Average earning assets | $134,373,000 | 3,746 |
Average equity | $10,599,000 | 4,722 |
Average total loans | $75,714,400 | 4,067 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2059% | 3,374 |
Cost of funding earning assets | 0.7460% | 1,629 |
Net interest margin | 3.4598% | 4,060 |
Noninterest income to average assets | 0.3818% | 4,663 |
Noninterest expense to average assets | 2.5661% | 4,498 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.0153% | 2,315 |
Return on assets (ROA) | 1.0408% | 2,302 |
Pretax return on assets | 1.0408% | 3,334 |
Return on Equity (ROE) | 14.2946% | 929 |
Retained earnings to average equity (ytd only) | 5.5431% | 2,702 |
Net charge-offs to loans | -0.0999% | 6,497 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.6497% | 3,471 |
Assets per employee ($millions) | 5.3102% | 1,837 |
Cash dividends to net income (ytd only)* | 61.2224% | 1,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0825% | 1,543 |
Loan loss allowance to noncurrent loans | 317.6125% | 1,301 |
Noncurrent assets plus other real estate owned to assets | 0.3822% | 5,261 |
Noncurrent loans to loans | 0.6557% | 4,564 |
Net loans and leases to total assets | 53.2255% | 4,721 |
Net loans and leases to deposits | 58.3461% | 5,153 |
Net loans and leases to core deposits | 63.5023% | 4,944 |
Total domestic deposits to total assets | 91.2237% | 449 |
Equity capital to assets | 6.8345% | 6,586 |
Core capital (leverage) ratio | 7.6333% | 6,392 |
Tier 1 risk-based capital ratio | 12.6652% | 5,351 |
Total risk-based capital ratio | 13.9227% | 5,289 |
Memoranda: | ||
Average total assets | $146,680,250 | 3,801 |
Average earning assets | $135,648,750 | 3,767 |
Average equity | $10,679,750 | 4,758 |
Average total loans | $76,088,250 | 4,086 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1766% | 3,452 |
Cost of funding earning assets | 0.7967% | 1,436 |
Net interest margin | 3.3800% | 4,267 |
Noninterest income to average assets | 0.3654% | 4,782 |
Noninterest expense to average assets | 2.5010% | 4,723 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.9879% | 2,381 |
Return on assets (ROA) | 1.0150% | 2,394 |
Pretax return on assets | 1.0150% | 3,437 |
Return on Equity (ROE) | 13.6695% | 1,078 |
Retained earnings to average equity (ytd only) | 8.5662% | 1,265 |
Net charge-offs to loans | -0.1192% | 6,546 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.6835% | 3,521 |
Assets per employee ($millions) | 5.1681% | 1,914 |
Cash dividends to net income (ytd only)* | 37.3333% | 2,365 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1132% | 1,605 |
Loan loss allowance to noncurrent loans | 300.0000% | 1,403 |
Noncurrent assets plus other real estate owned to assets | 0.4057% | 5,262 |
Noncurrent loans to loans | 0.7044% | 4,526 |
Net loans and leases to total assets | 51.5687% | 4,920 |
Net loans and leases to deposits | 57.0691% | 5,243 |
Net loans and leases to core deposits | 61.9700% | 5,095 |
Total domestic deposits to total assets | 90.3618% | 826 |
Equity capital to assets | 7.0211% | 6,599 |
Core capital (leverage) ratio | 7.5008% | 6,452 |
Tier 1 risk-based capital ratio | 12.8472% | 5,261 |
Total risk-based capital ratio | 14.1049% | 5,184 |
Memoranda: | ||
Average total assets | $147,782,000 | 3,811 |
Average earning assets | $136,569,670 | 3,782 |
Average equity | $10,973,330 | 4,729 |
Average total loans | $75,472,670 | 4,120 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1667% | 3,439 |
Cost of funding earning assets | 0.8229% | 1,406 |
Net interest margin | 3.3438% | 4,339 |
Noninterest income to average assets | 0.3456% | 4,919 |
Noninterest expense to average assets | 2.4431% | 4,972 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.9938% | 2,249 |
Return on assets (ROA) | 1.0260% | 2,233 |
Pretax return on assets | 1.0260% | 3,238 |
Return on Equity (ROE) | 13.4622% | 1,064 |
Retained earnings to average equity (ytd only) | 10.9315% | 893 |
Net charge-offs to loans | -0.0799% | 6,352 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.0834% | 3,775 |
Assets per employee ($millions) | 5.3745% | 1,774 |
Cash dividends to net income (ytd only)* | 18.7990% | 2,331 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1323% | 1,725 |
Loan loss allowance to noncurrent loans | 204.5278% | 1,871 |
Noncurrent assets plus other real estate owned to assets | 0.5542% | 5,008 |
Noncurrent loans to loans | 1.0426% | 4,055 |
Net loans and leases to total assets | 48.2194% | 5,203 |
Net loans and leases to deposits | 53.2584% | 5,497 |
Net loans and leases to core deposits | 57.5066% | 5,387 |
Total domestic deposits to total assets | 90.5386% | 750 |
Equity capital to assets | 7.5562% | 6,573 |
Core capital (leverage) ratio | 7.3031% | 6,543 |
Tier 1 risk-based capital ratio | 12.9516% | 5,261 |
Total risk-based capital ratio | 14.2097% | 5,205 |
Memoranda: | ||
Average total assets | $149,320,000 | 3,823 |
Average earning assets | $138,048,000 | 3,792 |
Average equity | $11,380,000 | 4,703 |
Average total loans | $75,092,000 | 4,163 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7399% | 2,428 |
Cost of funding earning assets | 1.0126% | 1,285 |
Net interest margin | 3.7274% | 3,533 |
Noninterest income to average assets | 0.3791% | 4,758 |
Noninterest expense to average assets | 2.5229% | 5,020 |
Loan and lease loss provision to assets | 0.0525% | 5,154 |
Net operating income to assets | 1.2744% | 1,382 |
Return on assets (ROA) | 1.4436% | 1,139 |
Pretax return on assets | 1.4436% | 1,879 |
Return on Equity (ROE) | 18.7099% | 383 |
Retained earnings to average equity (ytd only) | 5.6112% | 2,305 |
Net charge-offs to loans | 0.0683% | 4,996 |
Credit loss provision to net charge-offs | 138.8889% | 1,986 |
Earnings coverage of net charge-offs (x) | 35.1296% | 895 |
Efficiency ratio | 65.5342% | 4,596 |
Assets per employee ($millions) | 5.2913% | 1,914 |
Cash dividends to net income (ytd only)* | 70.0097% | 1,374 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0594% | 1,863 |
Loan loss allowance to noncurrent loans | 197.2292% | 1,866 |
Noncurrent assets plus other real estate owned to assets | 0.5832% | 5,022 |
Noncurrent loans to loans | 1.0442% | 4,129 |
Net loans and leases to total assets | 50.2676% | 5,132 |
Net loans and leases to deposits | 55.6553% | 5,482 |
Net loans and leases to core deposits | 60.3346% | 5,333 |
Total domestic deposits to total assets | 90.3196% | 790 |
Equity capital to assets | 7.6872% | 6,559 |
Core capital (leverage) ratio | 7.3028% | 6,582 |
Tier 1 risk-based capital ratio | 12.5199% | 5,460 |
Total risk-based capital ratio | 13.7807% | 5,406 |
Memoranda: | ||
Average total assets | $142,972,400 | 3,894 |
Average earning assets | $133,124,000 | 3,840 |
Average equity | $11,031,600 | 4,754 |
Average total loans | $79,013,400 | 4,070 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8435% | 2,221 |
Cost of funding earning assets | 1.0522% | 1,270 |
Net interest margin | 3.7913% | 3,373 |
Noninterest income to average assets | 0.3802% | 4,782 |
Noninterest expense to average assets | 2.5823% | 4,800 |
Loan and lease loss provision to assets | 0.0706% | 4,786 |
Net operating income to assets | 1.2639% | 1,529 |
Return on assets (ROA) | 1.5359% | 1,072 |
Pretax return on assets | 1.5359% | 1,765 |
Return on Equity (ROE) | 19.8858% | 334 |
Retained earnings to average equity (ytd only) | 5.2030% | 3,220 |
Net charge-offs to loans | 0.1087% | 4,305 |
Credit loss provision to net charge-offs | 115.3846% | 2,521 |
Earnings coverage of net charge-offs (x) | 21.8165% | 1,382 |
Efficiency ratio | 65.9298% | 4,461 |
Assets per employee ($millions) | 4.9201% | 2,300 |
Cash dividends to net income (ytd only)* | 73.8358% | 808 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9809% | 2,219 |
Loan loss allowance to noncurrent loans | 187.1239% | 1,872 |
Noncurrent assets plus other real estate owned to assets | 0.6434% | 5,063 |
Noncurrent loans to loans | 1.0586% | 4,322 |
Net loans and leases to total assets | 53.9269% | 4,758 |
Net loans and leases to deposits | 59.9713% | 5,209 |
Net loans and leases to core deposits | 65.0670% | 5,047 |
Total domestic deposits to total assets | 89.9211% | 889 |
Equity capital to assets | 7.9294% | 6,626 |
Core capital (leverage) ratio | 7.3134% | 6,711 |
Tier 1 risk-based capital ratio | 12.2941% | 5,768 |
Total risk-based capital ratio | 13.5513% | 5,737 |
Memoranda: | ||
Average total assets | $141,676,750 | 3,961 |
Average earning assets | $132,158,750 | 3,893 |
Average equity | $10,942,250 | 4,818 |
Average total loans | $79,756,750 | 4,086 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8906% | 2,147 |
Cost of funding earning assets | 1.0861% | 1,280 |
Net interest margin | 3.8045% | 3,337 |
Noninterest income to average assets | 0.3835% | 4,766 |
Noninterest expense to average assets | 2.5895% | 4,813 |
Loan and lease loss provision to assets | 0.1061% | 4,201 |
Net operating income to assets | 1.2367% | 1,592 |
Return on assets (ROA) | 1.4971% | 1,112 |
Pretax return on assets | 1.4971% | 1,851 |
Return on Equity (ROE) | 19.5594% | 382 |
Retained earnings to average equity (ytd only) | 3.8453% | 4,053 |
Net charge-offs to loans | 0.1921% | 3,430 |
Credit loss provision to net charge-offs | 97.4026% | 2,847 |
Earnings coverage of net charge-offs (x) | 12.3247% | 1,888 |
Efficiency ratio | 65.8510% | 4,559 |
Assets per employee ($millions) | 4.8954% | 2,302 |
Cash dividends to net income (ytd only)* | 80.3403% | 790 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9568% | 2,352 |
Loan loss allowance to noncurrent loans | 2,488.7097% | 205 |
Noncurrent assets plus other real estate owned to assets | 0.1155% | 6,500 |
Noncurrent loans to loans | 0.0786% | 6,466 |
Net loans and leases to total assets | 54.4573% | 4,715 |
Net loans and leases to deposits | 60.3670% | 5,213 |
Net loans and leases to core deposits | 65.9467% | 5,012 |
Total domestic deposits to total assets | 90.2105% | 808 |
Equity capital to assets | 7.6102% | 6,755 |
Core capital (leverage) ratio | 7.1316% | 6,776 |
Tier 1 risk-based capital ratio | 12.1903% | 5,803 |
Total risk-based capital ratio | 13.4492% | 5,779 |
Memoranda: | ||
Average total assets | $141,341,000 | 3,983 |
Average earning assets | $131,844,000 | 3,927 |
Average equity | $10,818,330 | 4,855 |
Average total loans | $80,175,670 | 4,103 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9932% | 1,912 |
Cost of funding earning assets | 1.1405% | 1,215 |
Net interest margin | 3.8527% | 3,130 |
Noninterest income to average assets | 0.4084% | 4,613 |
Noninterest expense to average assets | 2.6208% | 4,744 |
Loan and lease loss provision to assets | 0.2127% | 2,826 |
Net operating income to assets | 1.1487% | 1,885 |
Return on assets (ROA) | 1.3019% | 1,624 |
Pretax return on assets | 1.3019% | 2,529 |
Return on Equity (ROE) | 16.9600% | 679 |
Retained earnings to average equity (ytd only) | 4.5818% | 3,829 |
Net charge-offs to loans | 0.4503% | 1,965 |
Credit loss provision to net charge-offs | 82.4176% | 2,685 |
Earnings coverage of net charge-offs (x) | 5.2747% | 2,408 |
Efficiency ratio | 65.8120% | 4,595 |
Assets per employee ($millions) | 4.9530% | 2,311 |
Cash dividends to net income (ytd only)* | 72.9847% | 925 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9424% | 2,547 |
Loan loss allowance to noncurrent loans | 4,132.4324% | 130 |
Noncurrent assets plus other real estate owned to assets | 0.1044% | 6,617 |
Noncurrent loans to loans | 0.0470% | 6,633 |
Net loans and leases to total assets | 53.7393% | 4,764 |
Net loans and leases to deposits | 59.5928% | 5,201 |
Net loans and leases to core deposits | 64.3738% | 5,071 |
Total domestic deposits to total assets | 90.1774% | 989 |
Equity capital to assets | 7.5948% | 6,744 |
Core capital (leverage) ratio | 7.1558% | 6,779 |
Tier 1 risk-based capital ratio | 11.9500% | 5,990 |
Total risk-based capital ratio | 13.2071% | 5,983 |
Memoranda: | ||
Average total assets | $141,027,500 | 4,013 |
Average earning assets | $130,819,000 | 3,976 |
Average equity | $10,825,500 | 4,857 |
Average total loans | $80,836,000 | 4,101 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1919% | 2,094 |
Cost of funding earning assets | 1.3589% | 1,202 |
Net interest margin | 3.8329% | 3,658 |
Noninterest income to average assets | 0.4324% | 4,357 |
Noninterest expense to average assets | 2.4988% | 5,468 |
Loan and lease loss provision to assets | 0.1367% | 4,915 |
Net operating income to assets | 1.3829% | 1,055 |
Return on assets (ROA) | 1.6117% | 705 |
Pretax return on assets | 1.6117% | 1,177 |
Return on Equity (ROE) | 22.2899% | 174 |
Retained earnings to average equity (ytd only) | 7.1049% | 1,449 |
Net charge-offs to loans | -0.5318% | 7,281 |
Credit loss provision to net charge-offs | -43.1818% | 6,659 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.1844% | 5,430 |
Assets per employee ($millions) | 4.9435% | 2,287 |
Cash dividends to net income (ytd only)* | 68.1250% | 1,213 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8625% | 2,673 |
Loan loss allowance to noncurrent loans | 120.3271% | 2,598 |
Noncurrent assets plus other real estate owned to assets | 1.0172% | 4,582 |
Noncurrent loans to loans | 1.5479% | 3,836 |
Net loans and leases to total assets | 58.8136% | 4,225 |
Net loans and leases to deposits | 65.4426% | 4,812 |
Net loans and leases to core deposits | 71.4130% | 4,602 |
Total domestic deposits to total assets | 89.8705% | 1,062 |
Equity capital to assets | 7.7606% | 6,709 |
Core capital (leverage) ratio | 7.2258% | 6,778 |
Tier 1 risk-based capital ratio | 11.5837% | 6,107 |
Total risk-based capital ratio | 12.8403% | 6,087 |
Memoranda: | ||
Average total assets | $138,985,800 | 3,991 |
Average earning assets | $130,030,600 | 3,931 |
Average equity | $10,049,400 | 5,000 |
Average total loans | $82,744,000 | 4,058 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1917% | 2,233 |
Cost of funding earning assets | 1.4109% | 1,188 |
Net interest margin | 3.7808% | 3,965 |
Noninterest income to average assets | 0.4370% | 4,384 |
Noninterest expense to average assets | 2.6229% | 4,996 |
Loan and lease loss provision to assets | 0.0719% | 5,557 |
Net operating income to assets | 1.2861% | 1,419 |
Return on assets (ROA) | 1.4327% | 1,164 |
Pretax return on assets | 1.4327% | 1,839 |
Return on Equity (ROE) | 20.1826% | 297 |
Retained earnings to average equity (ytd only) | 4.3470% | 3,633 |
Net charge-offs to loans | -0.5885% | 7,352 |
Credit loss provision to net charge-offs | -20.5479% | 6,429 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.8883% | 4,741 |
Assets per employee ($millions) | 4.9230% | 2,294 |
Cash dividends to net income (ytd only)* | 78.4616% | 652 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6350% | 3,503 |
Loan loss allowance to noncurrent loans | 89.3799% | 3,247 |
Noncurrent assets plus other real estate owned to assets | 1.2028% | 4,388 |
Noncurrent loans to loans | 1.8293% | 3,600 |
Net loans and leases to total assets | 59.1393% | 4,301 |
Net loans and leases to deposits | 65.8008% | 4,935 |
Net loans and leases to core deposits | 71.5276% | 4,769 |
Total domestic deposits to total assets | 89.8762% | 937 |
Equity capital to assets | 7.6267% | 6,882 |
Core capital (leverage) ratio | 6.9772% | 6,969 |
Tier 1 risk-based capital ratio | 11.0792% | 6,497 |
Total risk-based capital ratio | 12.3092% | 6,492 |
Memoranda: | ||
Average total assets | $139,128,000 | 4,020 |
Average earning assets | $130,410,250 | 3,947 |
Average equity | $9,876,250 | 5,069 |
Average total loans | $82,691,750 | 4,099 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1951% | 2,277 |
Cost of funding earning assets | 1.4802% | 1,073 |
Net interest margin | 3.7149% | 4,196 |
Noninterest income to average assets | 0.4127% | 4,567 |
Noninterest expense to average assets | 2.5466% | 5,373 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 1.3514% | 1,190 |
Return on assets (ROA) | 1.4976% | 956 |
Pretax return on assets | 1.4976% | 1,543 |
Return on Equity (ROE) | 21.6267% | 249 |
Retained earnings to average equity (ytd only) | 3.8493% | 3,754 |
Net charge-offs to loans | -0.9222% | 7,436 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.3309% | 4,994 |
Assets per employee ($millions) | 4.8660% | 2,310 |
Cash dividends to net income (ytd only)* | 82.2010% | 740 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5819% | 3,773 |
Loan loss allowance to noncurrent loans | 1,456.1798% | 270 |
Noncurrent assets plus other real estate owned to assets | 0.2371% | 6,539 |
Noncurrent loans to loans | 0.1086% | 6,703 |
Net loans and leases to total assets | 59.1800% | 4,428 |
Net loans and leases to deposits | 65.7573% | 5,032 |
Net loans and leases to core deposits | 72.4486% | 4,762 |
Total domestic deposits to total assets | 89.9976% | 980 |
Equity capital to assets | 7.4372% | 6,974 |
Core capital (leverage) ratio | 6.8120% | 7,052 |
Tier 1 risk-based capital ratio | 11.3135% | 6,311 |
Total risk-based capital ratio | 12.5673% | 6,298 |
Memoranda: | ||
Average total assets | $139,556,000 | 4,034 |
Average earning assets | $130,930,670 | 3,962 |
Average equity | $9,664,000 | 5,134 |
Average total loans | $82,630,670 | 4,139 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1123% | 2,589 |
Cost of funding earning assets | 1.5651% | 934 |
Net interest margin | 3.5472% | 4,822 |
Noninterest income to average assets | 0.4192% | 4,547 |
Noninterest expense to average assets | 2.4304% | 5,794 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.3143% | 1,233 |
Return on assets (ROA) | 1.4192% | 1,064 |
Pretax return on assets | 1.4192% | 1,671 |
Return on Equity (ROE) | 21.2525% | 280 |
Retained earnings to average equity (ytd only) | 10.4778% | 999 |
Net charge-offs to loans | -1.8365% | 7,510 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.9017% | 5,203 |
Assets per employee ($millions) | 5.0466% | 2,100 |
Cash dividends to net income (ytd only)* | 50.6986% | 1,455 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5865% | 3,785 |
Loan loss allowance to noncurrent loans | 1,283.1683% | 317 |
Noncurrent assets plus other real estate owned to assets | 0.2519% | 6,554 |
Noncurrent loans to loans | 0.1236% | 6,741 |
Net loans and leases to total assets | 56.8922% | 4,828 |
Net loans and leases to deposits | 62.8035% | 5,407 |
Net loans and leases to core deposits | 71.9048% | 4,803 |
Total domestic deposits to total assets | 90.5877% | 804 |
Equity capital to assets | 6.8986% | 7,121 |
Core capital (leverage) ratio | 6.7075% | 7,115 |
Tier 1 risk-based capital ratio | 11.3477% | 6,214 |
Total risk-based capital ratio | 12.6008% | 6,197 |
Memoranda: | ||
Average total assets | $141,210,500 | 4,041 |
Average earning assets | $132,387,000 | 3,968 |
Average equity | $9,429,500 | 5,197 |
Average total loans | $82,982,500 | 4,162 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3792% | 2,771 |
Cost of funding earning assets | 2.0806% | 455 |
Net interest margin | 3.2986% | 5,983 |
Noninterest income to average assets | 0.4416% | 4,584 |
Noninterest expense to average assets | 2.5440% | 5,634 |
Loan and lease loss provision to assets | 0.1855% | 5,374 |
Net operating income to assets | 0.7915% | 2,841 |
Return on assets (ROA) | 1.1007% | 1,781 |
Pretax return on assets | 1.1007% | 2,575 |
Return on Equity (ROE) | 16.6582% | 509 |
Retained earnings to average equity (ytd only) | 10.5366% | 435 |
Net charge-offs to loans | 0.4782% | 3,709 |
Credit loss provision to net charge-offs | 63.2754% | 6,023 |
Earnings coverage of net charge-offs (x) | 3.3325% | 3,413 |
Efficiency ratio | 72.2521% | 3,741 |
Assets per employee ($millions) | 5.0399% | 2,097 |
Cash dividends to net income (ytd only)* | 36.7482% | 2,742 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0857% | 6,001 |
Loan loss allowance to noncurrent loans | 471.6495% | 678 |
Noncurrent assets plus other real estate owned to assets | 0.2778% | 6,555 |
Noncurrent loans to loans | 0.2302% | 6,601 |
Net loans and leases to total assets | 59.0737% | 4,830 |
Net loans and leases to deposits | 64.9584% | 5,519 |
Net loans and leases to core deposits | 76.1807% | 4,685 |
Total domestic deposits to total assets | 90.9409% | 627 |
Equity capital to assets | 6.4563% | 7,265 |
Core capital (leverage) ratio | 6.5418% | 7,187 |
Tier 1 risk-based capital ratio | 10.7361% | 6,540 |
Total risk-based capital ratio | 11.7865% | 6,653 |
Memoranda: | ||
Average total assets | $137,460,200 | 4,106 |
Average earning assets | $128,326,800 | 4,058 |
Average equity | $9,082,600 | 5,398 |
Average total loans | $84,268,200 | 4,206 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3878% | 2,935 |
Cost of funding earning assets | 2.1649% | 422 |
Net interest margin | 3.2228% | 6,265 |
Noninterest income to average assets | 0.4345% | 4,681 |
Noninterest expense to average assets | 2.4938% | 5,735 |
Loan and lease loss provision to assets | 0.2490% | 4,602 |
Net operating income to assets | 0.6991% | 3,416 |
Return on assets (ROA) | 1.0087% | 2,325 |
Pretax return on assets | 1.0087% | 3,152 |
Return on Equity (ROE) | 15.1760% | 829 |
Retained earnings to average equity (ytd only) | 7.2428% | 1,731 |
Net charge-offs to loans | 0.6250% | 2,873 |
Credit loss provision to net charge-offs | 64.5570% | 5,576 |
Earnings coverage of net charge-offs (x) | 2.4582% | 3,942 |
Efficiency ratio | 72.4539% | 3,621 |
Assets per employee ($millions) | 5.0965% | 2,063 |
Cash dividends to net income (ytd only)* | 52.2747% | 1,548 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0845% | 6,007 |
Loan loss allowance to noncurrent loans | 456.9307% | 658 |
Noncurrent assets plus other real estate owned to assets | 0.3273% | 6,561 |
Noncurrent loans to loans | 0.2373% | 6,701 |
Net loans and leases to total assets | 58.9957% | 5,104 |
Net loans and leases to deposits | 65.1131% | 5,773 |
Net loans and leases to core deposits | 76.9656% | 4,925 |
Total domestic deposits to total assets | 90.6049% | 592 |
Equity capital to assets | 6.7133% | 7,394 |
Core capital (leverage) ratio | 6.2267% | 7,399 |
Tier 1 risk-based capital ratio | 9.8434% | 7,140 |
Total risk-based capital ratio | 10.8656% | 7,213 |
Memoranda: | ||
Average total assets | $136,546,000 | 4,176 |
Average earning assets | $127,421,500 | 4,122 |
Average equity | $9,075,500 | 5,470 |
Average total loans | $84,265,750 | 4,277 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3997% | 2,982 |
Cost of funding earning assets | 2.2256% | 430 |
Net interest margin | 3.1740% | 6,393 |
Noninterest income to average assets | 0.4387% | 4,623 |
Noninterest expense to average assets | 2.5741% | 5,440 |
Loan and lease loss provision to assets | 0.2825% | 4,138 |
Net operating income to assets | 0.5383% | 4,152 |
Return on assets (ROA) | 0.8075% | 3,081 |
Pretax return on assets | 0.8075% | 3,854 |
Return on Equity (ROE) | 12.1922% | 1,405 |
Retained earnings to average equity (ytd only) | 5.8828% | 2,402 |
Net charge-offs to loans | 0.3024% | 3,801 |
Credit loss provision to net charge-offs | 149.6063% | 2,633 |
Earnings coverage of net charge-offs (x) | 4.3465% | 2,980 |
Efficiency ratio | 75.8213% | 3,102 |
Assets per employee ($millions) | 5.0456% | 2,129 |
Cash dividends to net income (ytd only)* | 51.7495% | 1,605 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3095% | 4,856 |
Loan loss allowance to noncurrent loans | 131.8875% | 2,120 |
Noncurrent assets plus other real estate owned to assets | 0.8636% | 5,393 |
Noncurrent loans to loans | 0.9929% | 5,320 |
Net loans and leases to total assets | 60.0154% | 5,055 |
Net loans and leases to deposits | 66.6352% | 5,727 |
Net loans and leases to core deposits | 79.0417% | 4,796 |
Total domestic deposits to total assets | 90.0656% | 894 |
Equity capital to assets | 6.4674% | 7,471 |
Core capital (leverage) ratio | 6.2803% | 7,433 |
Tier 1 risk-based capital ratio | 9.5087% | 7,260 |
Total risk-based capital ratio | 10.7455% | 7,268 |
Memoranda: | ||
Average total assets | $134,494,000 | 4,254 |
Average earning assets | $125,267,330 | 4,202 |
Average equity | $8,907,330 | 5,529 |
Average total loans | $83,984,000 | 4,324 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4631% | 2,767 |
Cost of funding earning assets | 2.2324% | 537 |
Net interest margin | 3.2307% | 6,191 |
Noninterest income to average assets | 0.4332% | 4,629 |
Noninterest expense to average assets | 2.5324% | 5,607 |
Loan and lease loss provision to assets | 0.4424% | 2,751 |
Net operating income to assets | 0.4699% | 4,534 |
Return on assets (ROA) | 0.8177% | 2,985 |
Pretax return on assets | 0.8177% | 3,797 |
Return on Equity (ROE) | 12.1922% | 1,443 |
Retained earnings to average equity (ytd only) | 2.7751% | 4,469 |
Net charge-offs to loans | 0.6071% | 2,301 |
Credit loss provision to net charge-offs | 115.0794% | 3,028 |
Earnings coverage of net charge-offs (x) | 2.3730% | 3,353 |
Efficiency ratio | 73.5164% | 3,659 |
Assets per employee ($millions) | 4.7718% | 2,542 |
Cash dividends to net income (ytd only)* | 77.2388% | 896 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3064% | 4,900 |
Loan loss allowance to noncurrent loans | 50.4664% | 4,965 |
Noncurrent assets plus other real estate owned to assets | 1.8629% | 3,684 |
Noncurrent loans to loans | 2.5886% | 3,083 |
Net loans and leases to total assets | 61.1798% | 4,911 |
Net loans and leases to deposits | 68.1936% | 5,561 |
Net loans and leases to core deposits | 89.0107% | 3,495 |
Total domestic deposits to total assets | 89.7149% | 1,132 |
Equity capital to assets | 6.5848% | 7,507 |
Core capital (leverage) ratio | 6.3781% | 7,513 |
Tier 1 risk-based capital ratio | 9.5900% | 7,256 |
Total risk-based capital ratio | 10.8172% | 7,263 |
Memoranda: | ||
Average total assets | $131,102,500 | 4,379 |
Average earning assets | $122,201,000 | 4,322 |
Average equity | $8,792,500 | 5,593 |
Average total loans | $83,019,500 | 4,411 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7435% | 2,891 |
Cost of funding earning assets | 2.4209% | 1,240 |
Net interest margin | 3.3226% | 5,653 |
Noninterest income to average assets | 0.4181% | 5,062 |
Noninterest expense to average assets | 2.6679% | 5,521 |
Loan and lease loss provision to assets | 0.6283% | 3,294 |
Net operating income to assets | 0.2207% | 4,831 |
Return on assets (ROA) | 0.3834% | 4,294 |
Pretax return on assets | 0.3834% | 4,539 |
Return on Equity (ROE) | 5.3838% | 3,479 |
Retained earnings to average equity (ytd only) | -1.6061% | 5,415 |
Net charge-offs to loans | 0.6734% | 3,164 |
Credit loss provision to net charge-offs | 145.5224% | 3,261 |
Earnings coverage of net charge-offs (x) | 1.9664% | 4,245 |
Efficiency ratio | 75.8589% | 3,551 |
Assets per employee ($millions) | 4.7627% | 2,528 |
Cash dividends to net income (ytd only)* | 129.8319% | 352 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2762% | 4,896 |
Loan loss allowance to noncurrent loans | 1,234.8837% | 309 |
Noncurrent assets plus other real estate owned to assets | 0.3468% | 6,572 |
Noncurrent loans to loans | 0.1033% | 7,153 |
Net loans and leases to total assets | 63.8848% | 4,624 |
Net loans and leases to deposits | 71.6003% | 5,386 |
Net loans and leases to core deposits | 120.1211% | 1,941 |
Total domestic deposits to total assets | 89.2242% | 1,371 |
Equity capital to assets | 6.8331% | 7,452 |
Core capital (leverage) ratio | 6.4668% | 7,506 |
Tier 1 risk-based capital ratio | 9.5507% | 7,197 |
Total risk-based capital ratio | 10.7589% | 7,194 |
Memoranda: | ||
Average total assets | $124,140,800 | 4,469 |
Average earning assets | $115,783,800 | 4,402 |
Average equity | $8,841,400 | 5,653 |
Average total loans | $79,597,800 | 4,528 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7521% | 3,091 |
Cost of funding earning assets | 2.4546% | 1,430 |
Net interest margin | 3.2975% | 5,651 |
Noninterest income to average assets | 0.3663% | 5,573 |
Noninterest expense to average assets | 2.6844% | 5,389 |
Loan and lease loss provision to assets | 0.0325% | 7,031 |
Net operating income to assets | 0.7272% | 3,108 |
Return on assets (ROA) | 0.9450% | 2,312 |
Pretax return on assets | 0.9450% | 3,077 |
Return on Equity (ROE) | 13.1298% | 1,091 |
Retained earnings to average equity (ytd only) | 4.0804% | 2,996 |
Net charge-offs to loans | 0.0373% | 6,379 |
Credit loss provision to net charge-offs | 136.3636% | 3,635 |
Earnings coverage of net charge-offs (x) | 31.8663% | 891 |
Efficiency ratio | 77.9421% | 3,174 |
Assets per employee ($millions) | 4.4769% | 2,894 |
Cash dividends to net income (ytd only)* | 68.9216% | 1,297 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0259% | 6,126 |
Loan loss allowance to noncurrent loans | 1,531.4815% | 246 |
Noncurrent assets plus other real estate owned to assets | 0.3821% | 6,509 |
Noncurrent loans to loans | 0.0670% | 7,335 |
Net loans and leases to total assets | 63.6475% | 4,943 |
Net loans and leases to deposits | 72.0306% | 5,643 |
Net loans and leases to core deposits | 124.7736% | 1,835 |
Total domestic deposits to total assets | 88.3617% | 1,491 |
Equity capital to assets | 7.4446% | 7,341 |
Core capital (leverage) ratio | 7.0615% | 7,390 |
Tier 1 risk-based capital ratio | 10.3285% | 6,649 |
Total risk-based capital ratio | 11.2982% | 6,881 |
Memoranda: | ||
Average total assets | $123,027,500 | 4,519 |
Average earning assets | $114,830,500 | 4,455 |
Average equity | $8,855,000 | 5,702 |
Average total loans | $78,693,750 | 4,601 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7733% | 3,174 |
Cost of funding earning assets | 2.5042% | 1,599 |
Net interest margin | 3.2691% | 5,666 |
Noninterest income to average assets | 0.3386% | 5,807 |
Noninterest expense to average assets | 2.6094% | 5,708 |
Loan and lease loss provision to assets | 0.0491% | 6,739 |
Net operating income to assets | 0.7215% | 3,162 |
Return on assets (ROA) | 0.8311% | 2,825 |
Pretax return on assets | 0.8311% | 3,567 |
Return on Equity (ROE) | 11.6835% | 1,509 |
Retained earnings to average equity (ytd only) | 3.4959% | 3,362 |
Net charge-offs to loans | 0.0256% | 6,123 |
Credit loss provision to net charge-offs | 300.0000% | 1,545 |
Earnings coverage of net charge-offs (x) | 47.1000% | 721 |
Efficiency ratio | 77.2023% | 3,477 |
Assets per employee ($millions) | 4.1712% | 3,347 |
Cash dividends to net income (ytd only)* | 70.0787% | 1,364 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0535% | 5,886 |
Loan loss allowance to noncurrent loans | 2,330.5556% | 175 |
Noncurrent assets plus other real estate owned to assets | 0.4315% | 6,377 |
Noncurrent loans to loans | 0.0452% | 7,428 |
Net loans and leases to total assets | 65.1417% | 4,732 |
Net loans and leases to deposits | 73.6953% | 5,498 |
Net loans and leases to core deposits | 131.1966% | 1,476 |
Total domestic deposits to total assets | 88.3932% | 1,581 |
Equity capital to assets | 7.1930% | 7,490 |
Core capital (leverage) ratio | 7.0107% | 7,532 |
Tier 1 risk-based capital ratio | 10.2303% | 6,675 |
Total risk-based capital ratio | 11.2180% | 6,892 |
Memoranda: | ||
Average total assets | $122,252,330 | 4,575 |
Average earning assets | $113,730,330 | 4,523 |
Average equity | $8,696,000 | 5,779 |
Average total loans | $78,054,670 | 4,656 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7191% | 3,697 |
Cost of funding earning assets | 2.5585% | 1,712 |
Net interest margin | 3.1605% | 5,981 |
Noninterest income to average assets | 0.2767% | 6,209 |
Noninterest expense to average assets | 2.3988% | 6,196 |
Loan and lease loss provision to assets | 0.0976% | 5,706 |
Net operating income to assets | 0.7193% | 3,464 |
Return on assets (ROA) | 0.7746% | 3,411 |
Pretax return on assets | 0.7746% | 4,170 |
Return on Equity (ROE) | 10.9507% | 1,978 |
Retained earnings to average equity (ytd only) | 0.2761% | 5,546 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5951% | 3,717 |
Assets per employee ($millions) | 4.3063% | 3,062 |
Cash dividends to net income (ytd only)* | 97.4790% | 791 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1066% | 5,421 |
Loan loss allowance to noncurrent loans | 2,068.2927% | 227 |
Noncurrent assets plus other real estate owned to assets | 0.4644% | 6,092 |
Noncurrent loans to loans | 0.0535% | 7,387 |
Net loans and leases to total assets | 60.6853% | 5,549 |
Net loans and leases to deposits | 68.4314% | 6,141 |
Net loans and leases to core deposits | 123.5007% | 2,113 |
Total domestic deposits to total assets | 88.6805% | 1,390 |
Equity capital to assets | 7.0058% | 7,677 |
Core capital (leverage) ratio | 6.8442% | 7,735 |
Tier 1 risk-based capital ratio | 10.2535% | 6,644 |
Total risk-based capital ratio | 11.2713% | 6,805 |
Memoranda: | ||
Average total assets | $122,896,500 | 4,579 |
Average earning assets | $114,284,500 | 4,524 |
Average equity | $8,693,500 | 5,814 |
Average total loans | $77,263,500 | 4,711 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6888% | 2,069 |
Cost of funding earning assets | 3.1200% | 1,451 |
Net interest margin | 3.5688% | 5,020 |
Noninterest income to average assets | 0.4004% | 5,467 |
Noninterest expense to average assets | 2.4973% | 6,013 |
Loan and lease loss provision to assets | 0.1320% | 5,674 |
Net operating income to assets | 1.0566% | 2,325 |
Return on assets (ROA) | 1.0967% | 2,074 |
Pretax return on assets | 1.0967% | 3,035 |
Return on Equity (ROE) | 14.7498% | 962 |
Retained earnings to average equity (ytd only) | 6.2182% | 1,423 |
Net charge-offs to loans | 0.0140% | 6,700 |
Credit loss provision to net charge-offs | 1,450.0000% | 311 |
Earnings coverage of net charge-offs (x) | 130.6000% | 340 |
Efficiency ratio | 67.7531% | 4,765 |
Assets per employee ($millions) | 4.4782% | 2,648 |
Cash dividends to net income (ytd only)* | 57.8423% | 2,769 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0514% | 5,613 |
Loan loss allowance to noncurrent loans | 2,047.5000% | 293 |
Noncurrent assets plus other real estate owned to assets | 0.5020% | 5,685 |
Noncurrent loans to loans | 0.0514% | 7,302 |
Net loans and leases to total assets | 63.7452% | 5,325 |
Net loans and leases to deposits | 72.1967% | 6,041 |
Net loans and leases to core deposits | 130.0822% | 1,846 |
Total domestic deposits to total assets | 88.2939% | 1,337 |
Equity capital to assets | 7.1441% | 7,658 |
Core capital (leverage) ratio | 7.0142% | 7,682 |
Tier 1 risk-based capital ratio | 9.8650% | 6,884 |
Total risk-based capital ratio | 10.8114% | 7,148 |
Memoranda: | ||
Average total assets | $109,878,800 | 4,790 |
Average earning assets | $101,154,600 | 4,772 |
Average equity | $8,169,600 | 6,015 |
Average total loans | $71,192,600 | 4,826 |