Home > The Bendena State Bank > Performance and Condition Ratios
The Bendena State Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2855% | 2,544 |
Cost of funding earning assets | 1.5628% | 3,050 |
Net interest margin | 3.7228% | 1,838 |
Noninterest income to average assets | 0.3000% | 2,864 |
Noninterest expense to average assets | 2.0167% | 3,524 |
Loan and lease loss provision to assets | 0.1100% | 1,177 |
Net operating income to assets | 1.7734% | 662 |
Return on assets (ROA) | 1.7697% | 665 |
Pretax return on assets | 1.7070% | 1,104 |
Return on Equity (ROE) | 22.5800% | 289 |
Retained earnings to average equity (ytd only) | 15.0082% | 421 |
Net charge-offs to loans | -0.0114% | 3,947 |
Credit loss provision to net charge-offs | 0.0000% | 1,760 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
Efficiency ratio | 52.5456% | 3,711 |
Assets per employee ($millions) | 7.5060% | 1,882 |
Cash dividends to net income (ytd only)* | 33.5417% | 1,664 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1393% | 2,520 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
Noncurrent loans to loans | 0.0000% | 3,787 |
Net loans and leases to total assets | 63.4200% | 2,559 |
Net loans and leases to deposits | 69.9440% | 2,866 |
Net loans and leases to core deposits | 74.7549% | 3,029 |
Total domestic deposits to total assets | 90.6700% | 611 |
Equity capital to assets | 8.3257% | 3,426 |
Core capital (leverage) ratio | 9.4479% | 3,345 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.4051% | 1,395 |
Memoranda: | ||
Average total assets | $108,492,000 | 3,714 |
Average earning assets | $103,149,500 | 3,675 |
Average equity | $8,502,000 | 3,939 |
Average total loans | $70,339,500 | 3,580 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0012% | 3,102 |
Cost of funding earning assets | 1.6957% | 2,965 |
Net interest margin | 3.3055% | 2,503 |
Noninterest income to average assets | 0.2300% | 3,513 |
Noninterest expense to average assets | 1.8473% | 3,880 |
Loan and lease loss provision to assets | 0.1300% | 1,072 |
Net operating income to assets | 1.3704% | 1,125 |
Return on assets (ROA) | 1.3802% | 1,108 |
Pretax return on assets | 1.4441% | 1,402 |
Return on Equity (ROE) | 19.1600% | 460 |
Retained earnings to average equity (ytd only) | 11.0545% | 429 |
Net charge-offs to loans | 0.0000% | 3,099 |
Credit loss provision to net charge-offs | 0.0000% | 2,577 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
Efficiency ratio | 54.1576% | 3,710 |
Assets per employee ($millions) | 7.4600% | 1,866 |
Cash dividends to net income (ytd only)* | 42.3103% | 2,025 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0045% | 3,197 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
Noncurrent loans to loans | 0.0000% | 3,787 |
Net loans and leases to total assets | 64.8200% | 2,489 |
Net loans and leases to deposits | 79.4695% | 2,183 |
Net loans and leases to core deposits | 85.5157% | 2,420 |
Total domestic deposits to total assets | 81.5600% | 3,319 |
Equity capital to assets | 7.3771% | 3,817 |
Core capital (leverage) ratio | 9.1834% | 3,537 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1842% | 1,801 |
Memoranda: | ||
Average total assets | $107,885,600 | 3,713 |
Average earning assets | $103,675,400 | 3,668 |
Average equity | $7,770,600 | 3,994 |
Average total loans | $68,821,000 | 3,592 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9243% | 3,156 |
Cost of funding earning assets | 1.6630% | 3,028 |
Net interest margin | 3.2613% | 2,537 |
Noninterest income to average assets | 0.2300% | 3,510 |
Noninterest expense to average assets | 1.8138% | 3,912 |
Loan and lease loss provision to assets | 0.1400% | 908 |
Net operating income to assets | 1.3614% | 1,187 |
Return on assets (ROA) | 1.3722% | 1,162 |
Pretax return on assets | 1.4346% | 1,433 |
Return on Equity (ROE) | 19.1700% | 476 |
Retained earnings to average equity (ytd only) | 10.0222% | 855 |
Net charge-offs to loans | -0.0020% | 3,688 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 53.7523% | 3,745 |
Assets per employee ($millions) | 7.2106% | 1,999 |
Cash dividends to net income (ytd only)* | 47.7273% | 1,460 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0187% | 3,152 |
Loan loss allowance to noncurrent loans | 70,700.0000% | 27 |
Noncurrent assets plus other real estate owned to assets | 0.0009% | 3,840 |
Noncurrent loans to loans | 0.0014% | 3,807 |
Net loans and leases to total assets | 63.5100% | 2,583 |
Net loans and leases to deposits | 78.3230% | 2,329 |
Net loans and leases to core deposits | 84.4540% | 2,534 |
Total domestic deposits to total assets | 81.0900% | 3,290 |
Equity capital to assets | 7.8255% | 3,817 |
Core capital (leverage) ratio | 9.0454% | 3,710 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5282% | 1,690 |
Memoranda: | ||
Average total assets | $106,882,000 | 3,730 |
Average earning assets | $102,943,500 | 3,689 |
Average equity | $7,649,500 | 4,015 |
Average total loans | $67,709,500 | 3,616 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8247% | 3,237 |
Cost of funding earning assets | 1.5432% | 3,187 |
Net interest margin | 3.2815% | 2,455 |
Noninterest income to average assets | 0.2200% | 3,548 |
Noninterest expense to average assets | 1.7679% | 3,982 |
Loan and lease loss provision to assets | 0.1500% | 771 |
Net operating income to assets | 1.4019% | 1,077 |
Return on assets (ROA) | 1.4109% | 1,066 |
Pretax return on assets | 1.4748% | 1,331 |
Return on Equity (ROE) | 20.3600% | 430 |
Retained earnings to average equity (ytd only) | 10.3822% | 793 |
Net charge-offs to loans | -0.0030% | 3,693 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 52.2488% | 3,876 |
Assets per employee ($millions) | 7.1471% | 1,976 |
Cash dividends to net income (ytd only)* | 49.0013% | 1,495 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9919% | 3,332 |
Loan loss allowance to noncurrent loans | 67,700.0000% | 21 |
Noncurrent assets plus other real estate owned to assets | 0.0009% | 3,836 |
Noncurrent loans to loans | 0.0015% | 3,802 |
Net loans and leases to total assets | 63.0300% | 2,649 |
Net loans and leases to deposits | 75.3190% | 2,599 |
Net loans and leases to core deposits | 80.1273% | 2,805 |
Total domestic deposits to total assets | 83.6900% | 2,689 |
Equity capital to assets | 6.9930% | 3,944 |
Core capital (leverage) ratio | 8.9514% | 3,767 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2534% | 1,793 |
Memoranda: | ||
Average total assets | $106,456,333 | 3,753 |
Average earning assets | $102,515,000 | 3,703 |
Average equity | $7,378,000 | 4,040 |
Average total loans | $67,145,667 | 3,632 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6981% | 3,327 |
Cost of funding earning assets | 1.3563% | 3,463 |
Net interest margin | 3.3419% | 2,246 |
Noninterest income to average assets | 0.2300% | 3,433 |
Noninterest expense to average assets | 1.7873% | 3,973 |
Loan and lease loss provision to assets | 0.2300% | 428 |
Net operating income to assets | 1.4102% | 1,042 |
Return on assets (ROA) | 1.4065% | 1,051 |
Pretax return on assets | 1.4404% | 1,365 |
Return on Equity (ROE) | 20.3900% | 417 |
Retained earnings to average equity (ytd only) | 11.8057% | 774 |
Net charge-offs to loans | -0.0060% | 3,780 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 51.6903% | 3,924 |
Assets per employee ($millions) | 8.0523% | 1,422 |
Cash dividends to net income (ytd only)* | 42.0912% | 1,490 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9952% | 3,327 |
Loan loss allowance to noncurrent loans | 32,850.0000% | 48 |
Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,856 |
Noncurrent loans to loans | 0.0030% | 3,800 |
Net loans and leases to total assets | 62.4400% | 2,622 |
Net loans and leases to deposits | 72.5103% | 2,714 |
Net loans and leases to core deposits | 76.6173% | 2,941 |
Total domestic deposits to total assets | 86.1100% | 2,058 |
Equity capital to assets | 7.0109% | 3,893 |
Core capital (leverage) ratio | 8.8442% | 3,833 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0854% | 1,841 |
Memoranda: | ||
Average total assets | $106,081,000 | 3,775 |
Average earning assets | $102,338,500 | 3,724 |
Average equity | $7,318,500 | 4,062 |
Average total loans | $66,591,500 | 3,646 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2246% | 3,583 |
Cost of funding earning assets | 1.0191% | 3,250 |
Net interest margin | 3.2054% | 2,860 |
Noninterest income to average assets | 0.2400% | 3,502 |
Noninterest expense to average assets | 1.7626% | 4,050 |
Loan and lease loss provision to assets | 0.0300% | 2,526 |
Net operating income to assets | 1.4895% | 1,037 |
Return on assets (ROA) | 1.2061% | 1,609 |
Pretax return on assets | 1.2473% | 2,015 |
Return on Equity (ROE) | 20.5800% | 566 |
Retained earnings to average equity (ytd only) | 10.2808% | 944 |
Net charge-offs to loans | 0.0016% | 2,764 |
Credit loss provision to net charge-offs | 3,000.0000% | 162 |
Earnings coverage of net charge-offs (x) | 1,637.0000% | 100 |
Efficiency ratio | 52.9192% | 3,759 |
Assets per employee ($millions) | 8.2678% | 1,296 |
Cash dividends to net income (ytd only)* | 50.0397% | 1,617 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8874% | 3,757 |
Loan loss allowance to noncurrent loans | 8,514.2857% | 153 |
Noncurrent assets plus other real estate owned to assets | 0.0065% | 3,757 |
Noncurrent loans to loans | 0.0104% | 3,684 |
Net loans and leases to total assets | 61.9300% | 2,681 |
Net loans and leases to deposits | 75.5396% | 2,498 |
Net loans and leases to core deposits | 79.6285% | 2,724 |
Total domestic deposits to total assets | 81.9900% | 3,127 |
Equity capital to assets | 6.7900% | 4,021 |
Core capital (leverage) ratio | 8.6308% | 4,015 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6012% | 2,027 |
Memoranda: | ||
Average total assets | $104,389,200 | 3,794 |
Average earning assets | $100,672,400 | 3,740 |
Average equity | $6,118,200 | 4,153 |
Average total loans | $60,741,600 | 3,699 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1116% | 3,639 |
Cost of funding earning assets | 0.9233% | 3,221 |
Net interest margin | 3.1883% | 2,943 |
Noninterest income to average assets | 0.2300% | 3,581 |
Noninterest expense to average assets | 1.7436% | 4,062 |
Loan and lease loss provision to assets | 0.0200% | 2,562 |
Net operating income to assets | 1.4822% | 1,157 |
Return on assets (ROA) | 1.2623% | 1,614 |
Pretax return on assets | 1.3202% | 1,978 |
Return on Equity (ROE) | 22.4600% | 529 |
Retained earnings to average equity (ytd only) | 10.4406% | 1,281 |
Net charge-offs to loans | 0.0023% | 2,472 |
Credit loss provision to net charge-offs | 1,500.0000% | 304 |
Earnings coverage of net charge-offs (x) | 1,219.0000% | 131 |
Efficiency ratio | 52.6418% | 3,706 |
Assets per employee ($millions) | 7.9973% | 1,348 |
Cash dividends to net income (ytd only)* | 53.5168% | 1,127 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9235% | 3,652 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 59.9600% | 2,851 |
Net loans and leases to deposits | 69.6602% | 2,863 |
Net loans and leases to core deposits | 73.7838% | 3,006 |
Total domestic deposits to total assets | 86.0700% | 2,168 |
Equity capital to assets | 5.2210% | 4,209 |
Core capital (leverage) ratio | 8.5437% | 4,126 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1978% | 1,818 |
Memoranda: | ||
Average total assets | $103,616,000 | 3,810 |
Average earning assets | $100,072,250 | 3,758 |
Average equity | $5,823,250 | 4,187 |
Average total loans | $59,136,250 | 3,729 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9774% | 3,734 |
Cost of funding earning assets | 0.7875% | 3,243 |
Net interest margin | 3.1899% | 3,015 |
Noninterest income to average assets | 0.2200% | 3,636 |
Noninterest expense to average assets | 1.7256% | 4,119 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.5078% | 1,086 |
Return on assets (ROA) | 1.1884% | 1,855 |
Pretax return on assets | 1.2444% | 2,241 |
Return on Equity (ROE) | 20.6500% | 644 |
Retained earnings to average equity (ytd only) | 8.3291% | 1,864 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 52.1917% | 3,759 |
Assets per employee ($millions) | 7.9085% | 1,361 |
Cash dividends to net income (ytd only)* | 59.6748% | 999 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9661% | 3,547 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 56.5300% | 3,082 |
Net loans and leases to deposits | 62.5685% | 3,272 |
Net loans and leases to core deposits | 66.1308% | 3,341 |
Total domestic deposits to total assets | 90.3600% | 824 |
Equity capital to assets | 6.0003% | 4,152 |
Core capital (leverage) ratio | 8.4111% | 4,186 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5882% | 1,703 |
Memoranda: | ||
Average total assets | $103,499,667 | 3,826 |
Average earning assets | $100,066,333 | 3,773 |
Average equity | $5,955,000 | 4,198 |
Average total loans | $57,876,667 | 3,752 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8094% | 3,840 |
Cost of funding earning assets | 0.6701% | 3,154 |
Net interest margin | 3.1393% | 3,265 |
Noninterest income to average assets | 0.2200% | 3,644 |
Noninterest expense to average assets | 1.7334% | 4,150 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.4516% | 1,283 |
Return on assets (ROA) | 1.3443% | 1,529 |
Pretax return on assets | 1.4021% | 1,876 |
Return on Equity (ROE) | 23.8700% | 460 |
Retained earnings to average equity (ytd only) | 13.1327% | 1,069 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 53.3808% | 3,665 |
Assets per employee ($millions) | 8.0175% | 1,332 |
Cash dividends to net income (ytd only)* | 44.9857% | 1,324 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0074% | 3,488 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 53.4500% | 3,237 |
Net loans and leases to deposits | 56.9469% | 3,515 |
Net loans and leases to core deposits | 59.5477% | 3,562 |
Total domestic deposits to total assets | 93.8700% | 184 |
Equity capital to assets | 5.9955% | 4,201 |
Core capital (leverage) ratio | 8.1856% | 4,346 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9409% | 1,643 |
Memoranda: | ||
Average total assets | $103,844,000 | 3,871 |
Average earning assets | $100,278,500 | 3,820 |
Average equity | $5,848,000 | 4,259 |
Average total loans | $57,470,000 | 3,799 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3789% | 3,405 |
Cost of funding earning assets | 0.4573% | 1,669 |
Net interest margin | 2.9217% | 3,629 |
Noninterest income to average assets | 0.2700% | 3,524 |
Noninterest expense to average assets | 1.7699% | 4,066 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 1.2535% | 1,592 |
Return on assets (ROA) | 1.1410% | 1,950 |
Pretax return on assets | 1.1689% | 2,531 |
Return on Equity (ROE) | 18.9500% | 577 |
Retained earnings to average equity (ytd only) | 8.6698% | 1,577 |
Net charge-offs to loans | 0.0017% | 2,488 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 1,286.0000% | 138 |
Efficiency ratio | 57.9601% | 3,346 |
Assets per employee ($millions) | 7.3900% | 1,692 |
Cash dividends to net income (ytd only)* | 54.2432% | 1,205 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9666% | 3,530 |
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 | 56.1500% | 3,014 |
Net loans and leases to deposits | 61.8197% | 3,212 |
Net loans and leases to core deposits | 64.9414% | 3,203 |
Total domestic deposits to total assets | 90.8300% | 1,017 |
Equity capital to assets | 5.2648% | 4,295 |
Core capital (leverage) ratio | 8.3329% | 4,247 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8034% | 2,049 |
Memoranda: | ||
Average total assets | $100,176,600 | 3,927 |
Average earning assets | $95,562,400 | 3,879 |
Average equity | $6,032,400 | 4,323 |
Average total loans | $57,501,800 | 3,780 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2938% | 3,194 |
Cost of funding earning assets | 0.3909% | 1,357 |
Net interest margin | 2.9029% | 3,492 |
Noninterest income to average assets | 0.2700% | 3,561 |
Noninterest expense to average assets | 1.7351% | 4,103 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.2416% | 1,548 |
Return on assets (ROA) | 1.2494% | 1,498 |
Pretax return on assets | 1.3044% | 2,039 |
Return on Equity (ROE) | 20.0900% | 428 |
Retained earnings to average equity (ytd only) | 8.9552% | 1,663 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 57.2377% | 3,486 |
Assets per employee ($millions) | 7.3631% | 1,700 |
Cash dividends to net income (ytd only)* | 55.4243% | 995 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9654% | 3,634 |
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 | 56.5300% | 2,851 |
Net loans and leases to deposits | 62.0993% | 3,014 |
Net loans and leases to core deposits | 65.0476% | 3,021 |
Total domestic deposits to total assets | 91.0300% | 1,229 |
Equity capital to assets | 4.3926% | 4,421 |
Core capital (leverage) ratio | 8.1102% | 4,334 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1572% | 1,990 |
Memoranda: | ||
Average total assets | $99,355,750 | 3,962 |
Average earning assets | $94,476,750 | 3,917 |
Average equity | $6,178,750 | 4,354 |
Average total loans | $57,212,500 | 3,800 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1893% | 3,078 |
Cost of funding earning assets | 0.3563% | 1,215 |
Net interest margin | 2.8331% | 3,336 |
Noninterest income to average assets | 0.2079% | 3,952 |
Noninterest expense to average assets | 1.7042% | 4,142 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.1437% | 1,620 |
Return on assets (ROA) | 1.1477% | 1,591 |
Pretax return on assets | 1.1986% | 2,080 |
Return on Equity (ROE) | 16.7335% | 600 |
Retained earnings to average equity (ytd only) | 6.0336% | 2,325 |
Net charge-offs to loans | 0.0035% | 1,920 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | 586.0000% | 225 |
Efficiency ratio | 58.7904% | 3,459 |
Assets per employee ($millions) | 7.1820% | 1,821 |
Cash dividends to net income (ytd only)* | 63.9432% | 965 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9906% | 3,641 |
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 | 56.3611% | 2,714 |
Net loans and leases to deposits | 60.7708% | 2,994 |
Net loans and leases to core deposits | 63.6706% | 2,997 |
Total domestic deposits to total assets | 92.7438% | 575 |
Equity capital to assets | 5.6520% | 4,319 |
Core capital (leverage) ratio | 8.3634% | 4,063 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2273% | 1,965 |
Memoranda: | ||
Average total assets | $98,113,333 | 4,010 |
Average earning assets | $93,185,333 | 3,975 |
Average equity | $6,729,000 | 4,347 |
Average total loans | $56,671,000 | 3,847 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1179% | 2,924 |
Cost of funding earning assets | 0.3464% | 1,239 |
Net interest margin | 2.7715% | 3,220 |
Noninterest income to average assets | 0.2064% | 3,925 |
Noninterest expense to average assets | 1.7875% | 3,969 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 1.0155% | 1,809 |
Return on assets (ROA) | 1.0155% | 1,804 |
Pretax return on assets | 1.0609% | 2,259 |
Return on Equity (ROE) | 13.5687% | 918 |
Retained earnings to average equity (ytd only) | 5.1848% | 2,520 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.7536% | 3,173 |
Assets per employee ($millions) | 7.0416% | 1,967 |
Cash dividends to net income (ytd only)* | 61.7886% | 1,008 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0364% | 3,575 |
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 | 55.0192% | 2,634 |
Net loans and leases to deposits | 58.9683% | 2,989 |
Net loans and leases to core deposits | 61.5289% | 3,015 |
Total domestic deposits to total assets | 93.3030% | 204 |
Equity capital to assets | 6.5783% | 4,396 |
Core capital (leverage) ratio | 8.3111% | 4,059 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5203% | 1,983 |
Memoranda: | ||
Average total assets | $96,896,000 | 4,032 |
Average earning assets | $92,369,500 | 4,000 |
Average equity | $7,252,000 | 4,336 |
Average total loans | $56,388,000 | 3,857 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0312% | 1,290 |
Cost of funding earning assets | 0.4073% | 1,496 |
Net interest margin | 3.6239% | 1,400 |
Noninterest income to average assets | 0.2598% | 3,822 |
Noninterest expense to average assets | 1.8541% | 4,041 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 1.7716% | 541 |
Return on assets (ROA) | 1.7814% | 551 |
Pretax return on assets | 1.8586% | 799 |
Return on Equity (ROE) | 20.5497% | 282 |
Retained earnings to average equity (ytd only) | 13.0497% | 394 |
Net charge-offs to loans | 0.0556% | 1,241 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | 54.3000% | 1,252 |
Efficiency ratio | 50.0766% | 4,279 |
Assets per employee ($millions) | 7.3238% | 1,707 |
Cash dividends to net income (ytd only)* | 36.4968% | 2,215 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9798% | 3,827 |
Loan loss allowance to noncurrent loans | 1,958.6207% | 535 |
Noncurrent assets plus other real estate owned to assets | 0.0305% | 3,815 |
Noncurrent loans to loans | 0.0500% | 3,722 |
Net loans and leases to total assets | 60.2888% | 2,134 |
Net loans and leases to deposits | 65.9986% | 2,516 |
Net loans and leases to core deposits | 69.2413% | 2,524 |
Total domestic deposits to total assets | 91.3486% | 370 |
Equity capital to assets | 8.4224% | 4,101 |
Core capital (leverage) ratio | 8.7147% | 3,708 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0417% | 2,230 |
Memoranda: | ||
Average total assets | $88,131,200 | 4,115 |
Average earning assets | $83,722,600 | 4,082 |
Average equity | $7,640,000 | 4,360 |
Average total loans | $53,976,800 | 3,932 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2204% | 1,079 |
Cost of funding earning assets | 0.4230% | 1,534 |
Net interest margin | 3.7974% | 1,125 |
Noninterest income to average assets | 0.2115% | 4,138 |
Noninterest expense to average assets | 1.8480% | 4,059 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.8978% | 562 |
Return on assets (ROA) | 1.9082% | 572 |
Pretax return on assets | 1.9916% | 810 |
Return on Equity (ROE) | 21.8410% | 314 |
Retained earnings to average equity (ytd only) | 14.2603% | 481 |
Net charge-offs to loans | 0.0780% | 887 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | 41.3871% | 1,348 |
Efficiency ratio | 48.2661% | 4,349 |
Assets per employee ($millions) | 7.1485% | 1,774 |
Cash dividends to net income (ytd only)* | 34.7087% | 1,859 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0522% | 3,655 |
Loan loss allowance to noncurrent loans | 176.6355% | 2,706 |
Noncurrent assets plus other real estate owned to assets | 0.3454% | 2,058 |
Noncurrent loans to loans | 0.5957% | 1,822 |
Net loans and leases to total assets | 57.3770% | 2,575 |
Net loans and leases to deposits | 62.9453% | 2,962 |
Net loans and leases to core deposits | 65.6679% | 2,981 |
Total domestic deposits to total assets | 91.1537% | 321 |
Equity capital to assets | 8.6408% | 4,110 |
Core capital (leverage) ratio | 8.6495% | 3,891 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4417% | 2,188 |
Memoranda: | ||
Average total assets | $86,361,500 | 4,189 |
Average earning assets | $82,264,250 | 4,155 |
Average equity | $7,545,250 | 4,436 |
Average total loans | $52,978,750 | 3,999 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3932% | 3,200 |
Cost of funding earning assets | 0.4444% | 1,562 |
Net interest margin | 2.9488% | 3,451 |
Noninterest income to average assets | 0.3517% | 3,353 |
Noninterest expense to average assets | 1.9080% | 3,942 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 1.1979% | 2,202 |
Return on assets (ROA) | 1.2071% | 2,239 |
Pretax return on assets | 1.2593% | 2,739 |
Return on Equity (ROE) | 13.7601% | 1,490 |
Retained earnings to average equity (ytd only) | 4.7402% | 3,285 |
Net charge-offs to loans | 0.1215% | 642 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | 16.4375% | 1,600 |
Efficiency ratio | 60.4214% | 2,956 |
Assets per employee ($millions) | 6.7717% | 1,969 |
Cash dividends to net income (ytd only)* | 65.5512% | 788 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0289% | 3,726 |
Loan loss allowance to noncurrent loans | 176.3240% | 2,645 |
Noncurrent assets plus other real estate owned to assets | 0.3646% | 2,152 |
Noncurrent loans to loans | 0.5835% | 1,943 |
Net loans and leases to total assets | 61.8480% | 2,196 |
Net loans and leases to deposits | 67.6608% | 2,653 |
Net loans and leases to core deposits | 70.4702% | 2,738 |
Total domestic deposits to total assets | 91.4088% | 252 |
Equity capital to assets | 8.4140% | 4,269 |
Core capital (leverage) ratio | 8.2939% | 4,179 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9155% | 2,395 |
Memoranda: | ||
Average total assets | $84,171,667 | 4,242 |
Average earning assets | $80,100,333 | 4,206 |
Average equity | $7,383,667 | 4,479 |
Average total loans | $52,675,667 | 4,028 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3980% | 3,199 |
Cost of funding earning assets | 0.4722% | 1,579 |
Net interest margin | 2.9258% | 3,447 |
Noninterest income to average assets | 0.2918% | 3,665 |
Noninterest expense to average assets | 1.9066% | 3,971 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.1089% | 2,440 |
Return on assets (ROA) | 1.1089% | 2,523 |
Pretax return on assets | 1.1576% | 2,960 |
Return on Equity (ROE) | 12.3711% | 1,879 |
Retained earnings to average equity (ytd only) | 4.7206% | 3,309 |
Net charge-offs to loans | 0.2563% | 333 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | 7.2121% | 1,624 |
Efficiency ratio | 62.2222% | 2,719 |
Assets per employee ($millions) | 6.6276% | 2,073 |
Cash dividends to net income (ytd only)* | 61.8421% | 852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0879% | 3,496 |
Loan loss allowance to noncurrent loans | 176.0125% | 2,562 |
Noncurrent assets plus other real estate owned to assets | 0.3726% | 2,306 |
Noncurrent loans to loans | 0.6181% | 2,023 |
Net loans and leases to total assets | 59.6200% | 2,588 |
Net loans and leases to deposits | 65.2234% | 3,002 |
Net loans and leases to core deposits | 67.0137% | 3,154 |
Total domestic deposits to total assets | 91.4089% | 259 |
Equity capital to assets | 8.4182% | 4,181 |
Core capital (leverage) ratio | 8.4845% | 4,125 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5091% | 2,082 |
Memoranda: | ||
Average total assets | $82,241,500 | 4,279 |
Average earning assets | $77,927,500 | 4,251 |
Average equity | $7,372,000 | 4,494 |
Average total loans | $51,507,500 | 4,062 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2543% | 1,988 |
Cost of funding earning assets | 0.5492% | 2,617 |
Net interest margin | 3.7051% | 1,781 |
Noninterest income to average assets | 0.3978% | 3,101 |
Noninterest expense to average assets | 2.2359% | 3,571 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 1.5873% | 663 |
Return on assets (ROA) | 1.5955% | 703 |
Pretax return on assets | 1.6632% | 922 |
Return on Equity (ROE) | 15.8817% | 515 |
Retained earnings to average equity (ytd only) | 6.3892% | 1,636 |
Net charge-offs to loans | 0.0020% | 3,336 |
Credit loss provision to net charge-offs | 0.0000% | 3,264 |
Earnings coverage of net charge-offs (x) | 1,173.0000% | 92 |
Efficiency ratio | 57.4692% | 3,796 |
Assets per employee ($millions) | 6.0249% | 2,319 |
Cash dividends to net income (ytd only)* | 59.7701% | 1,372 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1707% | 3,106 |
Loan loss allowance to noncurrent loans | 184.5679% | 2,475 |
Noncurrent assets plus other real estate owned to assets | 0.4137% | 2,343 |
Noncurrent loans to loans | 0.6343% | 2,102 |
Net loans and leases to total assets | 64.4553% | 2,304 |
Net loans and leases to deposits | 71.4514% | 2,741 |
Net loans and leases to core deposits | 73.1069% | 2,989 |
Total domestic deposits to total assets | 90.2086% | 480 |
Equity capital to assets | 9.5641% | 3,544 |
Core capital (leverage) ratio | 9.2681% | 3,360 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2360% | 2,152 |
Memoranda: | ||
Average total assets | $70,888,600 | 4,370 |
Average earning assets | $66,826,200 | 4,340 |
Average equity | $7,121,400 | 4,513 |
Average total loans | $51,045,200 | 4,097 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3871% | 1,883 |
Cost of funding earning assets | 0.5497% | 2,928 |
Net interest margin | 3.8374% | 1,511 |
Noninterest income to average assets | 0.3361% | 3,468 |
Noninterest expense to average assets | 2.2985% | 3,427 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 1.5957% | 734 |
Return on assets (ROA) | 1.6031% | 790 |
Pretax return on assets | 1.6727% | 1,019 |
Return on Equity (ROE) | 15.7439% | 580 |
Retained earnings to average equity (ytd only) | 4.6094% | 2,740 |
Net charge-offs to loans | 0.0026% | 3,085 |
Credit loss provision to net charge-offs | 0.0000% | 3,006 |
Earnings coverage of net charge-offs (x) | 862.0000% | 143 |
Efficiency ratio | 57.9922% | 3,665 |
Assets per employee ($millions) | 5.7058% | 2,534 |
Cash dividends to net income (ytd only)* | 70.7229% | 802 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1245% | 3,070 |
Loan loss allowance to noncurrent loans | 184.5679% | 2,347 |
Noncurrent assets plus other real estate owned to assets | 0.4368% | 2,431 |
Noncurrent loans to loans | 0.6093% | 2,275 |
Net loans and leases to total assets | 70.8855% | 1,839 |
Net loans and leases to deposits | 80.3018% | 2,285 |
Net loans and leases to core deposits | 80.9197% | 2,761 |
Total domestic deposits to total assets | 88.2738% | 1,076 |
Equity capital to assets | 9.7916% | 3,437 |
Core capital (leverage) ratio | 9.5143% | 3,248 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3454% | 2,054 |
Memoranda: | ||
Average total assets | $69,029,750 | 4,410 |
Average earning assets | $65,251,000 | 4,383 |
Average equity | $7,029,000 | 4,539 |
Average total loans | $51,036,000 | 4,112 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4122% | 2,176 |
Cost of funding earning assets | 0.5527% | 3,222 |
Net interest margin | 3.8595% | 1,669 |
Noninterest income to average assets | 0.3476% | 3,393 |
Noninterest expense to average assets | 2.3502% | 3,398 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 1.5808% | 790 |
Return on assets (ROA) | 1.5836% | 859 |
Pretax return on assets | 1.6520% | 1,102 |
Return on Equity (ROE) | 15.3359% | 658 |
Retained earnings to average equity (ytd only) | 3.7117% | 3,058 |
Net charge-offs to loans | 0.0040% | 2,839 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | 555.0000% | 184 |
Efficiency ratio | 58.7667% | 3,585 |
Assets per employee ($millions) | 5.4232% | 2,712 |
Cash dividends to net income (ytd only)* | 75.7974% | 827 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1507% | 2,778 |
Loan loss allowance to noncurrent loans | 68.9735% | 3,731 |
Noncurrent assets plus other real estate owned to assets | 1.2298% | 881 |
Noncurrent loans to loans | 1.6683% | 870 |
Net loans and leases to total assets | 72.8632% | 1,577 |
Net loans and leases to deposits | 82.9057% | 2,099 |
Net loans and leases to core deposits | 83.5801% | 2,646 |
Total domestic deposits to total assets | 87.8869% | 1,239 |
Equity capital to assets | 10.1174% | 3,099 |
Core capital (leverage) ratio | 9.9687% | 2,873 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5193% | 1,994 |
Memoranda: | ||
Average total assets | $67,314,333 | 4,440 |
Average earning assets | $63,686,333 | 4,413 |
Average equity | $6,951,000 | 4,571 |
Average total loans | $50,322,000 | 4,135 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5290% | 2,223 |
Cost of funding earning assets | 0.5798% | 3,534 |
Net interest margin | 3.9492% | 1,534 |
Noninterest income to average assets | 0.3591% | 3,374 |
Noninterest expense to average assets | 2.5380% | 3,165 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.4848% | 813 |
Return on assets (ROA) | 1.4790% | 898 |
Pretax return on assets | 1.5459% | 1,195 |
Return on Equity (ROE) | 14.1691% | 663 |
Retained earnings to average equity (ytd only) | 4.6647% | 2,432 |
Net charge-offs to loans | 0.0081% | 2,273 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | 255.0000% | 273 |
Efficiency ratio | 62.0536% | 3,492 |
Assets per employee ($millions) | 5.0631% | 2,580 |
Cash dividends to net income (ytd only)* | 67.0782% | 1,251 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2078% | 2,624 |
Loan loss allowance to noncurrent loans | 68.8147% | 3,760 |
Noncurrent assets plus other real estate owned to assets | 1.3203% | 881 |
Noncurrent loans to loans | 1.7552% | 858 |
Net loans and leases to total assets | 74.3118% | 1,560 |
Net loans and leases to deposits | 83.1257% | 2,321 |
Net loans and leases to core deposits | 83.8381% | 2,867 |
Total domestic deposits to total assets | 89.3968% | 512 |
Equity capital to assets | 10.3874% | 3,434 |
Core capital (leverage) ratio | 10.1563% | 3,283 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4527% | 2,095 |
Memoranda: | ||
Average total assets | $65,720,500 | 4,473 |
Average earning assets | $62,088,500 | 4,453 |
Average equity | $6,860,000 | 4,616 |
Average total loans | $49,499,000 | 4,160 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7204% | 2,266 |
Cost of funding earning assets | 0.6240% | 3,537 |
Net interest margin | 4.0964% | 1,551 |
Noninterest income to average assets | 0.4347% | 3,083 |
Noninterest expense to average assets | 2.3220% | 3,891 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.8602% | 467 |
Return on assets (ROA) | 2.0189% | 350 |
Pretax return on assets | 2.1061% | 471 |
Return on Equity (ROE) | 20.4750% | 191 |
Retained earnings to average equity (ytd only) | 11.1146% | 319 |
Net charge-offs to loans | 0.0161% | 3,138 |
Credit loss provision to net charge-offs | 0.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | 158.5000% | 474 |
Efficiency ratio | 54.4704% | 4,379 |
Assets per employee ($millions) | 5.0478% | 2,530 |
Cash dividends to net income (ytd only)* | 45.7165% | 2,292 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2104% | 2,376 |
Loan loss allowance to noncurrent loans | 109.3066% | 3,128 |
Noncurrent assets plus other real estate owned to assets | 0.8351% | 1,541 |
Noncurrent loans to loans | 1.1073% | 1,362 |
Net loans and leases to total assets | 74.5021% | 1,671 |
Net loans and leases to deposits | 83.4639% | 2,392 |
Net loans and leases to core deposits | 84.1825% | 2,931 |
Total domestic deposits to total assets | 89.2626% | 573 |
Equity capital to assets | 10.4890% | 3,461 |
Core capital (leverage) ratio | 9.9901% | 3,529 |
Tier 1 risk-based capital ratio | 13.2919% | 3,635 |
Total risk-based capital ratio | 14.4842% | 3,552 |
Memoranda: | ||
Average total assets | $65,333,000 | 4,513 |
Average earning assets | $61,054,200 | 4,491 |
Average equity | $6,442,000 | 4,702 |
Average total loans | $49,649,600 | 4,191 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7090% | 2,393 |
Cost of funding earning assets | 0.6280% | 3,543 |
Net interest margin | 4.0810% | 1,669 |
Noninterest income to average assets | 0.4352% | 3,103 |
Noninterest expense to average assets | 2.3107% | 3,925 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.8536% | 559 |
Return on assets (ROA) | 2.0635% | 362 |
Pretax return on assets | 2.1534% | 496 |
Return on Equity (ROE) | 21.2679% | 188 |
Retained earnings to average equity (ytd only) | 10.3392% | 670 |
Net charge-offs to loans | 0.0188% | 2,748 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | 135.3312% | 585 |
Efficiency ratio | 54.4273% | 4,339 |
Assets per employee ($millions) | 5.5973% | 1,940 |
Cash dividends to net income (ytd only)* | 51.3861% | 1,612 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1901% | 2,556 |
Loan loss allowance to noncurrent loans | 106.0071% | 3,228 |
Noncurrent assets plus other real estate owned to assets | 0.8427% | 1,632 |
Noncurrent loans to loans | 1.1226% | 1,414 |
Net loans and leases to total assets | 74.1704% | 1,778 |
Net loans and leases to deposits | 83.9691% | 2,463 |
Net loans and leases to core deposits | 84.6827% | 3,026 |
Total domestic deposits to total assets | 88.3306% | 902 |
Equity capital to assets | 9.9290% | 4,092 |
Core capital (leverage) ratio | 9.7724% | 3,886 |
Tier 1 risk-based capital ratio | 12.7401% | 4,000 |
Total risk-based capital ratio | 13.9247% | 3,914 |
Memoranda: | ||
Average total assets | $65,261,000 | 4,565 |
Average earning assets | $60,931,250 | 4,554 |
Average equity | $6,331,750 | 4,780 |
Average total loans | $49,690,000 | 4,239 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6393% | 2,544 |
Cost of funding earning assets | 0.5931% | 3,681 |
Net interest margin | 4.0462% | 1,774 |
Noninterest income to average assets | 0.4642% | 2,885 |
Noninterest expense to average assets | 2.3396% | 3,894 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.8450% | 544 |
Return on assets (ROA) | 2.1539% | 310 |
Pretax return on assets | 2.2468% | 398 |
Return on Equity (ROE) | 22.3818% | 154 |
Retained earnings to average equity (ytd only) | 11.0623% | 539 |
Net charge-offs to loans | 0.0202% | 2,456 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | 124.4000% | 591 |
Efficiency ratio | 54.8621% | 4,374 |
Assets per employee ($millions) | 5.0712% | 2,389 |
Cash dividends to net income (ytd only)* | 50.5747% | 1,761 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1822% | 2,616 |
Loan loss allowance to noncurrent loans | 105.9859% | 3,244 |
Noncurrent assets plus other real estate owned to assets | 0.8616% | 1,629 |
Noncurrent loans to loans | 1.1154% | 1,464 |
Net loans and leases to total assets | 76.3295% | 1,503 |
Net loans and leases to deposits | 89.7820% | 1,762 |
Net loans and leases to core deposits | 90.5901% | 2,550 |
Total domestic deposits to total assets | 85.0165% | 2,467 |
Equity capital to assets | 9.8186% | 4,124 |
Core capital (leverage) ratio | 9.7743% | 3,851 |
Tier 1 risk-based capital ratio | 12.4592% | 4,150 |
Total risk-based capital ratio | 13.6487% | 4,061 |
Memoranda: | ||
Average total assets | $64,625,670 | 4,616 |
Average earning assets | $60,699,330 | 4,592 |
Average equity | $6,219,330 | 4,823 |
Average total loans | $49,447,330 | 4,268 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5833% | 2,591 |
Cost of funding earning assets | 0.5521% | 3,814 |
Net interest margin | 4.0311% | 1,750 |
Noninterest income to average assets | 0.4502% | 2,853 |
Noninterest expense to average assets | 2.3759% | 3,830 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.7867% | 595 |
Return on assets (ROA) | 1.7507% | 680 |
Pretax return on assets | 1.8257% | 930 |
Return on Equity (ROE) | 18.3833% | 368 |
Retained earnings to average equity (ytd only) | 10.1108% | 1,008 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.0472% | 4,329 |
Assets per employee ($millions) | 4.8763% | 2,669 |
Cash dividends to net income (ytd only)* | 45.0000% | 1,786 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2516% | 2,317 |
Loan loss allowance to noncurrent loans | 110.5647% | 3,231 |
Noncurrent assets plus other real estate owned to assets | 0.8660% | 1,637 |
Noncurrent loans to loans | 1.1321% | 1,475 |
Net loans and leases to total assets | 75.5442% | 1,550 |
Net loans and leases to deposits | 83.9613% | 2,391 |
Net loans and leases to core deposits | 84.7038% | 2,971 |
Total domestic deposits to total assets | 89.9751% | 455 |
Equity capital to assets | 9.8183% | 3,996 |
Core capital (leverage) ratio | 9.4445% | 4,204 |
Tier 1 risk-based capital ratio | 12.6688% | 4,057 |
Total risk-based capital ratio | 13.9181% | 3,946 |
Memoranda: | ||
Average total assets | $63,975,500 | 4,675 |
Average earning assets | $60,132,000 | 4,645 |
Average equity | $6,092,500 | 4,881 |
Average total loans | $48,709,500 | 4,331 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3932% | 2,786 |
Cost of funding earning assets | 0.5037% | 3,321 |
Net interest margin | 3.8895% | 2,359 |
Noninterest income to average assets | 0.3846% | 3,529 |
Noninterest expense to average assets | 2.4373% | 3,779 |
Loan and lease loss provision to assets | 0.0625% | 2,908 |
Net operating income to assets | 1.4664% | 1,214 |
Return on assets (ROA) | 1.4664% | 1,205 |
Pretax return on assets | 1.5305% | 1,677 |
Return on Equity (ROE) | 16.1948% | 591 |
Retained earnings to average equity (ytd only) | 2.9006% | 3,950 |
Net charge-offs to loans | 0.0042% | 3,575 |
Credit loss provision to net charge-offs | 2,000.0000% | 220 |
Earnings coverage of net charge-offs (x) | 509.5000% | 207 |
Efficiency ratio | 60.4732% | 3,780 |
Assets per employee ($millions) | 4.9661% | 2,545 |
Cash dividends to net income (ytd only)* | 82.0896% | 634 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2428% | 2,337 |
Loan loss allowance to noncurrent loans | 81.6107% | 3,714 |
Noncurrent assets plus other real estate owned to assets | 1.1540% | 1,143 |
Noncurrent loans to loans | 1.5228% | 999 |
Net loans and leases to total assets | 74.8385% | 1,795 |
Net loans and leases to deposits | 83.7682% | 2,536 |
Net loans and leases to core deposits | 84.5008% | 3,034 |
Total domestic deposits to total assets | 89.3400% | 717 |
Equity capital to assets | 9.2334% | 4,381 |
Core capital (leverage) ratio | 9.4388% | 4,186 |
Tier 1 risk-based capital ratio | 12.1007% | 4,363 |
Total risk-based capital ratio | 13.3347% | 4,260 |
Memoranda: | ||
Average total assets | $63,964,200 | 4,689 |
Average earning assets | $59,956,800 | 4,667 |
Average equity | $5,792,000 | 4,932 |
Average total loans | $47,377,800 | 4,367 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3549% | 2,774 |
Cost of funding earning assets | 0.4962% | 3,217 |
Net interest margin | 3.8586% | 2,442 |
Noninterest income to average assets | 0.3823% | 3,590 |
Noninterest expense to average assets | 2.4591% | 3,702 |
Loan and lease loss provision to assets | 0.0836% | 2,292 |
Net operating income to assets | 1.4019% | 1,483 |
Return on assets (ROA) | 1.4019% | 1,483 |
Pretax return on assets | 1.4625% | 2,028 |
Return on Equity (ROE) | 15.5596% | 775 |
Retained earnings to average equity (ytd only) | 0.6726% | 4,917 |
Net charge-offs to loans | 0.0057% | 3,235 |
Credit loss provision to net charge-offs | 2,000.0000% | 206 |
Earnings coverage of net charge-offs (x) | 369.5281% | 257 |
Efficiency ratio | 61.3980% | 3,600 |
Assets per employee ($millions) | 4.9055% | 2,590 |
Cash dividends to net income (ytd only)* | 95.6787% | 310 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2934% | 2,121 |
Loan loss allowance to noncurrent loans | 111.9705% | 3,257 |
Noncurrent assets plus other real estate owned to assets | 0.8515% | 1,738 |
Noncurrent loans to loans | 1.1551% | 1,464 |
Net loans and leases to total assets | 72.7576% | 2,210 |
Net loans and leases to deposits | 80.1157% | 3,030 |
Net loans and leases to core deposits | 80.8134% | 3,427 |
Total domestic deposits to total assets | 90.8157% | 264 |
Equity capital to assets | 8.9914% | 4,557 |
Core capital (leverage) ratio | 9.3012% | 4,399 |
Tier 1 risk-based capital ratio | 12.4285% | 4,235 |
Total risk-based capital ratio | 13.6792% | 4,123 |
Memoranda: | ||
Average total assets | $63,815,500 | 4,740 |
Average earning assets | $59,916,000 | 4,717 |
Average equity | $5,749,750 | 4,994 |
Average total loans | $46,991,500 | 4,418 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3519% | 2,580 |
Cost of funding earning assets | 0.4873% | 3,111 |
Net interest margin | 3.8647% | 2,331 |
Noninterest income to average assets | 0.3760% | 3,643 |
Noninterest expense to average assets | 2.4691% | 3,722 |
Loan and lease loss provision to assets | 0.0940% | 2,041 |
Net operating income to assets | 1.3818% | 1,502 |
Return on assets (ROA) | 1.3818% | 1,503 |
Pretax return on assets | 1.4413% | 2,018 |
Return on Equity (ROE) | 15.3258% | 788 |
Retained earnings to average equity (ytd only) | -3.0930% | 5,214 |
Net charge-offs to loans | 0.0085% | 2,822 |
Credit loss provision to net charge-offs | 1,500.0000% | 273 |
Earnings coverage of net charge-offs (x) | 245.0000% | 365 |
Efficiency ratio | 61.6588% | 3,672 |
Assets per employee ($millions) | 4.8406% | 2,630 |
Cash dividends to net income (ytd only)* | 120.1814% | 241 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2846% | 2,243 |
Loan loss allowance to noncurrent loans | 75.5051% | 3,907 |
Noncurrent assets plus other real estate owned to assets | 1.2586% | 1,129 |
Noncurrent loans to loans | 1.7014% | 937 |
Net loans and leases to total assets | 73.0231% | 2,107 |
Net loans and leases to deposits | 80.4397% | 2,902 |
Net loans and leases to core deposits | 81.1500% | 3,307 |
Total domestic deposits to total assets | 90.7799% | 311 |
Equity capital to assets | 9.0611% | 4,513 |
Core capital (leverage) ratio | 9.0563% | 4,637 |
Tier 1 risk-based capital ratio | 12.3317% | 4,286 |
Total risk-based capital ratio | 13.5832% | 4,169 |
Memoranda: | ||
Average total assets | $63,830,000 | 4,790 |
Average earning assets | $59,927,670 | 4,767 |
Average equity | $5,755,000 | 5,039 |
Average total loans | $46,986,330 | 4,462 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3446% | 2,366 |
Cost of funding earning assets | 0.4717% | 3,024 |
Net interest margin | 3.8730% | 2,144 |
Noninterest income to average assets | 0.3671% | 3,684 |
Noninterest expense to average assets | 2.4766% | 3,725 |
Loan and lease loss provision to assets | 0.0933% | 1,956 |
Net operating income to assets | 1.3690% | 1,425 |
Return on assets (ROA) | 1.3690% | 1,441 |
Pretax return on assets | 1.4250% | 1,916 |
Return on Equity (ROE) | 15.2210% | 769 |
Retained earnings to average equity (ytd only) | -9.6169% | 5,359 |
Net charge-offs to loans | 0.0169% | 2,172 |
Credit loss provision to net charge-offs | 750.0000% | 436 |
Earnings coverage of net charge-offs (x) | 122.0000% | 518 |
Efficiency ratio | 61.9938% | 3,786 |
Assets per employee ($millions) | 5.0010% | 2,494 |
Cash dividends to net income (ytd only)* | 163.1818% | 269 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2599% | 2,459 |
Loan loss allowance to noncurrent loans | 2,010.3448% | 337 |
Noncurrent assets plus other real estate owned to assets | 0.0446% | 4,884 |
Noncurrent loans to loans | 0.0627% | 4,698 |
Net loans and leases to total assets | 70.2767% | 2,432 |
Net loans and leases to deposits | 77.1305% | 3,101 |
Net loans and leases to core deposits | 77.7870% | 3,510 |
Total domestic deposits to total assets | 91.1141% | 286 |
Equity capital to assets | 8.7075% | 4,821 |
Core capital (leverage) ratio | 8.7213% | 4,971 |
Tier 1 risk-based capital ratio | 12.2239% | 4,417 |
Total risk-based capital ratio | 13.4733% | 4,316 |
Memoranda: | ||
Average total assets | $64,281,000 | 4,844 |
Average earning assets | $60,212,000 | 4,822 |
Average equity | $5,781,500 | 5,092 |
Average total loans | $47,204,500 | 4,506 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4198% | 1,975 |
Cost of funding earning assets | 0.4745% | 2,555 |
Net interest margin | 3.9454% | 1,933 |
Noninterest income to average assets | 0.3551% | 3,928 |
Noninterest expense to average assets | 2.2768% | 4,396 |
Loan and lease loss provision to assets | 0.1051% | 2,134 |
Net operating income to assets | 1.6272% | 617 |
Return on assets (ROA) | 1.6272% | 636 |
Pretax return on assets | 1.6670% | 1,105 |
Return on Equity (ROE) | 18.3010% | 284 |
Retained earnings to average equity (ytd only) | 10.8158% | 263 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.2328% | 4,748 |
Assets per employee ($millions) | 4.8884% | 2,617 |
Cash dividends to net income (ytd only)* | 40.9002% | 2,820 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1841% | 2,873 |
Loan loss allowance to noncurrent loans | 9,500.0000% | 98 |
Noncurrent assets plus other real estate owned to assets | 0.0094% | 5,125 |
Noncurrent loans to loans | 0.0125% | 4,979 |
Net loans and leases to total assets | 74.8509% | 1,783 |
Net loans and leases to deposits | 82.6735% | 2,646 |
Net loans and leases to core deposits | 83.3982% | 3,116 |
Total domestic deposits to total assets | 90.5380% | 384 |
Equity capital to assets | 9.2873% | 4,443 |
Core capital (leverage) ratio | 9.0013% | 4,652 |
Tier 1 risk-based capital ratio | 11.8528% | 4,624 |
Total risk-based capital ratio | 13.0211% | 4,560 |
Memoranda: | ||
Average total assets | $62,806,800 | 4,907 |
Average earning assets | $58,803,200 | 4,884 |
Average equity | $5,584,400 | 5,169 |
Average total loans | $47,416,600 | 4,528 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3866% | 1,994 |
Cost of funding earning assets | 0.4632% | 2,589 |
Net interest margin | 3.9234% | 1,960 |
Noninterest income to average assets | 0.3598% | 3,953 |
Noninterest expense to average assets | 2.2782% | 4,352 |
Loan and lease loss provision to assets | 0.1086% | 1,963 |
Net operating income to assets | 1.6224% | 679 |
Return on assets (ROA) | 1.6224% | 700 |
Pretax return on assets | 1.6522% | 1,235 |
Return on Equity (ROE) | 18.4554% | 303 |
Retained earnings to average equity (ytd only) | 10.0512% | 576 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.4048% | 4,688 |
Assets per employee ($millions) | 4.8261% | 2,666 |
Cash dividends to net income (ytd only)* | 45.5387% | 1,991 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1605% | 3,140 |
Loan loss allowance to noncurrent loans | 1,132.6531% | 541 |
Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,853 |
Noncurrent loans to loans | 0.1025% | 4,651 |
Net loans and leases to total assets | 75.3439% | 1,696 |
Net loans and leases to deposits | 86.1868% | 2,274 |
Net loans and leases to core deposits | 86.9797% | 2,874 |
Total domestic deposits to total assets | 87.4193% | 1,659 |
Equity capital to assets | 9.1968% | 4,729 |
Core capital (leverage) ratio | 8.9467% | 4,807 |
Tier 1 risk-based capital ratio | 11.8356% | 4,743 |
Total risk-based capital ratio | 13.0095% | 4,669 |
Memoranda: | ||
Average total assets | $62,621,250 | 4,961 |
Average earning assets | $58,723,500 | 4,940 |
Average equity | $5,505,000 | 5,241 |
Average total loans | $47,236,500 | 4,571 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3177% | 2,068 |
Cost of funding earning assets | 0.4567% | 2,538 |
Net interest margin | 3.8611% | 2,059 |
Noninterest income to average assets | 0.3611% | 3,975 |
Noninterest expense to average assets | 2.2467% | 4,466 |
Loan and lease loss provision to assets | 0.1150% | 1,788 |
Net operating income to assets | 1.6107% | 687 |
Return on assets (ROA) | 1.6107% | 710 |
Pretax return on assets | 1.6203% | 1,281 |
Return on Equity (ROE) | 18.6092% | 289 |
Retained earnings to average equity (ytd only) | 9.1569% | 792 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.4205% | 4,776 |
Assets per employee ($millions) | 4.8687% | 2,557 |
Cash dividends to net income (ytd only)* | 50.7937% | 1,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1356% | 3,394 |
Loan loss allowance to noncurrent loans | 3,857.1429% | 175 |
Noncurrent assets plus other real estate owned to assets | 0.0221% | 5,184 |
Noncurrent loans to loans | 0.0294% | 5,046 |
Net loans and leases to total assets | 74.2736% | 1,817 |
Net loans and leases to deposits | 83.1006% | 2,590 |
Net loans and leases to core deposits | 83.8416% | 3,086 |
Total domestic deposits to total assets | 89.3780% | 773 |
Equity capital to assets | 8.8825% | 5,012 |
Core capital (leverage) ratio | 8.8151% | 4,934 |
Tier 1 risk-based capital ratio | 11.5008% | 4,955 |
Total risk-based capital ratio | 12.6446% | 4,918 |
Memoranda: | ||
Average total assets | $62,582,000 | 5,004 |
Average earning assets | $58,688,000 | 4,979 |
Average equity | $5,416,670 | 5,289 |
Average total loans | $47,040,330 | 4,607 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2762% | 2,028 |
Cost of funding earning assets | 0.4660% | 2,375 |
Net interest margin | 3.8102% | 2,083 |
Noninterest income to average assets | 0.4050% | 3,622 |
Noninterest expense to average assets | 2.2498% | 4,534 |
Loan and lease loss provision to assets | 0.1350% | 1,423 |
Net operating income to assets | 1.6456% | 614 |
Return on assets (ROA) | 1.6456% | 630 |
Pretax return on assets | 1.5942% | 1,253 |
Return on Equity (ROE) | 19.2699% | 265 |
Retained earnings to average equity (ytd only) | 11.8931% | 481 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.5428% | 4,883 |
Assets per employee ($millions) | 4.8452% | 2,635 |
Cash dividends to net income (ytd only)* | 38.2813% | 2,065 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1250% | 3,546 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 73.2548% | 1,863 |
Net loans and leases to deposits | 80.2913% | 2,711 |
Net loans and leases to core deposits | 80.9960% | 3,195 |
Total domestic deposits to total assets | 91.2363% | 230 |
Equity capital to assets | 8.6002% | 5,157 |
Core capital (leverage) ratio | 8.4423% | 5,270 |
Tier 1 risk-based capital ratio | 11.5045% | 5,026 |
Total risk-based capital ratio | 12.6358% | 4,999 |
Memoranda: | ||
Average total assets | $62,226,500 | 5,069 |
Average earning assets | $58,369,500 | 5,041 |
Average equity | $5,314,000 | 5,357 |
Average total loans | $46,785,500 | 4,655 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3038% | 2,126 |
Cost of funding earning assets | 0.4447% | 2,580 |
Net interest margin | 3.8591% | 2,104 |
Noninterest income to average assets | 0.3641% | 4,140 |
Noninterest expense to average assets | 2.3685% | 4,370 |
Loan and lease loss provision to assets | 0.1589% | 1,560 |
Net operating income to assets | 1.3837% | 1,039 |
Return on assets (ROA) | 1.3837% | 1,083 |
Pretax return on assets | 1.4417% | 1,777 |
Return on Equity (ROE) | 16.3800% | 474 |
Retained earnings to average equity (ytd only) | 10.4628% | 358 |
Net charge-offs to loans | 0.0177% | 3,714 |
Credit loss provision to net charge-offs | 1,200.0000% | 325 |
Earnings coverage of net charge-offs (x) | 120.8750% | 503 |
Efficiency ratio | 59.6747% | 4,631 |
Assets per employee ($millions) | 4.3904% | 3,293 |
Cash dividends to net income (ytd only)* | 36.1244% | 3,056 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0745% | 3,861 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 75.4905% | 1,602 |
Net loans and leases to deposits | 86.3515% | 2,125 |
Net loans and leases to core deposits | 87.6599% | 2,707 |
Total domestic deposits to total assets | 87.4223% | 1,919 |
Equity capital to assets | 8.4779% | 5,285 |
Core capital (leverage) ratio | 8.3293% | 5,417 |
Tier 1 risk-based capital ratio | 10.5400% | 5,558 |
Total risk-based capital ratio | 11.5635% | 5,588 |
Memoranda: | ||
Average total assets | $60,416,800 | 5,130 |
Average earning assets | $56,438,400 | 5,119 |
Average equity | $5,103,800 | 5,448 |
Average total loans | $45,152,000 | 4,711 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2607% | 2,299 |
Cost of funding earning assets | 0.4441% | 2,608 |
Net interest margin | 3.8166% | 2,273 |
Noninterest income to average assets | 0.3325% | 4,410 |
Noninterest expense to average assets | 2.3716% | 4,350 |
Loan and lease loss provision to assets | 0.1596% | 1,449 |
Net operating income to assets | 1.3099% | 1,260 |
Return on assets (ROA) | 1.3099% | 1,349 |
Pretax return on assets | 1.3631% | 2,185 |
Return on Equity (ROE) | 15.5206% | 609 |
Retained earnings to average equity (ytd only) | 9.1391% | 777 |
Net charge-offs to loans | 0.0239% | 3,193 |
Credit loss provision to net charge-offs | 900.0000% | 447 |
Earnings coverage of net charge-offs (x) | 85.8463% | 729 |
Efficiency ratio | 60.8993% | 4,410 |
Assets per employee ($millions) | 4.7631% | 2,662 |
Cash dividends to net income (ytd only)* | 41.1165% | 2,303 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0333% | 4,218 |
Loan loss allowance to noncurrent loans | 97.9592% | 3,664 |
Noncurrent assets plus other real estate owned to assets | 0.7913% | 2,567 |
Noncurrent loans to loans | 1.0549% | 2,134 |
Net loans and leases to total assets | 74.2426% | 1,828 |
Net loans and leases to deposits | 85.6198% | 2,299 |
Net loans and leases to core deposits | 86.9181% | 2,857 |
Total domestic deposits to total assets | 86.7119% | 2,026 |
Equity capital to assets | 8.5772% | 5,491 |
Core capital (leverage) ratio | 8.2389% | 5,547 |
Tier 1 risk-based capital ratio | 10.2411% | 5,721 |
Total risk-based capital ratio | 11.2237% | 5,761 |
Memoranda: | ||
Average total assets | $60,154,500 | 5,183 |
Average earning assets | $56,139,500 | 5,168 |
Average equity | $5,077,000 | 5,516 |
Average total loans | $44,713,750 | 4,769 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2184% | 2,454 |
Cost of funding earning assets | 0.4387% | 2,664 |
Net interest margin | 3.7796% | 2,404 |
Noninterest income to average assets | 0.3123% | 4,540 |
Noninterest expense to average assets | 2.4208% | 4,265 |
Loan and lease loss provision to assets | 0.1612% | 1,407 |
Net operating income to assets | 1.2121% | 1,556 |
Return on assets (ROA) | 1.2121% | 1,651 |
Pretax return on assets | 1.2591% | 2,566 |
Return on Equity (ROE) | 14.4429% | 756 |
Retained earnings to average equity (ytd only) | 7.8416% | 1,225 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.0245% | 4,173 |
Assets per employee ($millions) | 4.6750% | 2,760 |
Cash dividends to net income (ytd only)* | 45.7064% | 2,157 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0150% | 4,431 |
Loan loss allowance to noncurrent loans | 1,008.6957% | 574 |
Noncurrent assets plus other real estate owned to assets | 0.0757% | 5,232 |
Noncurrent loans to loans | 0.1006% | 5,051 |
Net loans and leases to total assets | 74.4550% | 1,737 |
Net loans and leases to deposits | 83.9113% | 2,480 |
Net loans and leases to core deposits | 85.6035% | 2,937 |
Total domestic deposits to total assets | 88.7306% | 1,053 |
Equity capital to assets | 8.5956% | 5,540 |
Core capital (leverage) ratio | 8.0873% | 5,675 |
Tier 1 risk-based capital ratio | 9.9788% | 5,864 |
Total risk-based capital ratio | 10.9333% | 5,889 |
Memoranda: | ||
Average total assets | $59,566,000 | 5,248 |
Average earning assets | $55,614,000 | 5,233 |
Average equity | $4,999,000 | 5,587 |
Average total loans | $44,134,670 | 4,826 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1630% | 2,608 |
Cost of funding earning assets | 0.4390% | 2,690 |
Net interest margin | 3.7240% | 2,579 |
Noninterest income to average assets | 0.2781% | 4,730 |
Noninterest expense to average assets | 2.5237% | 4,000 |
Loan and lease loss provision to assets | 0.1628% | 1,274 |
Net operating income to assets | 1.0176% | 2,199 |
Return on assets (ROA) | 1.0176% | 2,319 |
Pretax return on assets | 1.0447% | 3,299 |
Return on Equity (ROE) | 12.2787% | 1,223 |
Retained earnings to average equity (ytd only) | 5.4845% | 2,662 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.6364% | 3,523 |
Assets per employee ($millions) | 4.9715% | 2,373 |
Cash dividends to net income (ytd only)* | 55.3333% | 1,575 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9968% | 4,635 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 73.2559% | 1,839 |
Net loans and leases to deposits | 81.7337% | 2,579 |
Net loans and leases to core deposits | 83.3963% | 2,995 |
Total domestic deposits to total assets | 89.6275% | 766 |
Equity capital to assets | 8.2789% | 5,708 |
Core capital (leverage) ratio | 8.0560% | 5,745 |
Tier 1 risk-based capital ratio | 10.3518% | 5,808 |
Total risk-based capital ratio | 11.3168% | 5,835 |
Memoranda: | ||
Average total assets | $58,961,500 | 5,312 |
Average earning assets | $54,672,500 | 5,303 |
Average equity | $4,886,500 | 5,641 |
Average total loans | $43,345,000 | 4,884 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1971% | 2,566 |
Cost of funding earning assets | 0.4382% | 2,755 |
Net interest margin | 3.7589% | 2,527 |
Noninterest income to average assets | 0.3281% | 4,554 |
Noninterest expense to average assets | 2.3695% | 4,588 |
Loan and lease loss provision to assets | 0.1525% | 1,539 |
Net operating income to assets | 1.2246% | 1,470 |
Return on assets (ROA) | 1.2096% | 1,583 |
Pretax return on assets | 1.2894% | 2,326 |
Return on Equity (ROE) | 14.8500% | 710 |
Retained earnings to average equity (ytd only) | 6.9677% | 1,294 |
Net charge-offs to loans | 0.1660% | 1,706 |
Credit loss provision to net charge-offs | 126.4706% | 2,057 |
Earnings coverage of net charge-offs (x) | 12.0882% | 2,501 |
Efficiency ratio | 61.9092% | 4,620 |
Assets per employee ($millions) | 4.4819% | 3,075 |
Cash dividends to net income (ytd only)* | 53.0792% | 2,132 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9777% | 4,724 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | 0.0000% | 5,583 |
Net loans and leases to total assets | 72.3093% | 1,996 |
Net loans and leases to deposits | 79.0302% | 2,938 |
Net loans and leases to core deposits | 80.1808% | 3,322 |
Total domestic deposits to total assets | 91.4958% | 178 |
Equity capital to assets | 8.2966% | 5,707 |
Core capital (leverage) ratio | 8.1463% | 5,738 |
Tier 1 risk-based capital ratio | 10.3785% | 5,827 |
Total risk-based capital ratio | 11.3064% | 5,875 |
Memoranda: | ||
Average total assets | $56,382,400 | 5,397 |
Average earning assets | $52,488,200 | 5,372 |
Average equity | $4,592,600 | 5,744 |
Average total loans | $40,971,600 | 4,966 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1688% | 2,681 |
Cost of funding earning assets | 0.4416% | 2,779 |
Net interest margin | 3.7271% | 2,657 |
Noninterest income to average assets | 0.3458% | 4,458 |
Noninterest expense to average assets | 2.3632% | 4,613 |
Loan and lease loss provision to assets | 0.1478% | 1,475 |
Net operating income to assets | 1.2266% | 1,567 |
Return on assets (ROA) | 1.2066% | 1,697 |
Pretax return on assets | 1.2949% | 2,420 |
Return on Equity (ROE) | 14.8855% | 739 |
Retained earnings to average equity (ytd only) | 6.3249% | 2,053 |
Net charge-offs to loans | 0.2169% | 1,204 |
Credit loss provision to net charge-offs | 93.9394% | 2,412 |
Earnings coverage of net charge-offs (x) | 9.3028% | 2,710 |
Efficiency ratio | 61.7445% | 4,610 |
Assets per employee ($millions) | 4.3711% | 3,214 |
Cash dividends to net income (ytd only)* | 57.5098% | 1,538 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9372% | 5,035 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 73.2912% | 1,854 |
Net loans and leases to deposits | 80.1258% | 2,869 |
Net loans and leases to core deposits | 81.3196% | 3,321 |
Total domestic deposits to total assets | 91.4702% | 162 |
Equity capital to assets | 8.2483% | 5,850 |
Core capital (leverage) ratio | 8.0758% | 5,861 |
Tier 1 risk-based capital ratio | 10.4541% | 5,899 |
Total risk-based capital ratio | 11.3599% | 5,960 |
Memoranda: | ||
Average total assets | $55,911,750 | 5,478 |
Average earning assets | $52,228,250 | 5,451 |
Average equity | $4,532,250 | 5,832 |
Average total loans | $40,577,750 | 5,035 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1376% | 2,766 |
Cost of funding earning assets | 0.4384% | 2,861 |
Net interest margin | 3.6992% | 2,714 |
Noninterest income to average assets | 0.3057% | 4,769 |
Noninterest expense to average assets | 2.3558% | 4,699 |
Loan and lease loss provision to assets | 0.1367% | 1,602 |
Net operating income to assets | 1.1663% | 1,715 |
Return on assets (ROA) | 1.1365% | 1,898 |
Pretax return on assets | 1.2408% | 2,597 |
Return on Equity (ROE) | 14.1050% | 881 |
Retained earnings to average equity (ytd only) | 4.6868% | 3,059 |
Net charge-offs to loans | 0.3342% | 788 |
Credit loss provision to net charge-offs | 56.7164% | 2,629 |
Earnings coverage of net charge-offs (x) | 5.8507% | 2,872 |
Efficiency ratio | 62.5597% | 4,582 |
Assets per employee ($millions) | 5.0558% | 2,202 |
Cash dividends to net income (ytd only)* | 66.7722% | 1,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9027% | 5,295 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0270% | 5,778 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 72.8378% | 1,842 |
Net loans and leases to deposits | 82.6137% | 2,481 |
Net loans and leases to core deposits | 83.9196% | 2,989 |
Total domestic deposits to total assets | 88.1666% | 1,567 |
Equity capital to assets | 8.0483% | 5,964 |
Core capital (leverage) ratio | 7.9283% | 5,964 |
Tier 1 risk-based capital ratio | 10.6401% | 5,864 |
Total risk-based capital ratio | 11.5254% | 5,949 |
Memoranda: | ||
Average total assets | $55,607,670 | 5,546 |
Average earning assets | $52,011,330 | 5,516 |
Average equity | $4,480,670 | 5,898 |
Average total loans | $40,090,000 | 5,100 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0312% | 3,120 |
Cost of funding earning assets | 0.4223% | 3,042 |
Net interest margin | 3.6089% | 2,971 |
Noninterest income to average assets | 0.3525% | 4,380 |
Noninterest expense to average assets | 2.3451% | 4,757 |
Loan and lease loss provision to assets | 0.1151% | 1,795 |
Net operating income to assets | 1.1054% | 1,853 |
Return on assets (ROA) | 0.9927% | 2,430 |
Pretax return on assets | 1.1438% | 2,887 |
Return on Equity (ROE) | 12.3132% | 1,267 |
Retained earnings to average equity (ytd only) | 2.4983% | 4,430 |
Net charge-offs to loans | 0.4736% | 526 |
Credit loss provision to net charge-offs | 34.0426% | 2,236 |
Earnings coverage of net charge-offs (x) | 4.1064% | 2,530 |
Efficiency ratio | 62.8131% | 4,650 |
Assets per employee ($millions) | 5.0436% | 2,297 |
Cash dividends to net income (ytd only)* | 79.7101% | 985 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9240% | 5,359 |
Loan loss allowance to noncurrent loans | 1,112.1212% | 490 |
Noncurrent assets plus other real estate owned to assets | 0.0865% | 5,593 |
Noncurrent loans to loans | 0.0831% | 5,449 |
Net loans and leases to total assets | 70.9283% | 1,993 |
Net loans and leases to deposits | 78.9879% | 2,682 |
Net loans and leases to core deposits | 80.2165% | 3,131 |
Total domestic deposits to total assets | 89.7963% | 849 |
Equity capital to assets | 8.2084% | 5,933 |
Core capital (leverage) ratio | 7.6282% | 6,101 |
Tier 1 risk-based capital ratio | 10.6850% | 5,942 |
Total risk-based capital ratio | 11.5855% | 6,014 |
Memoranda: | ||
Average total assets | $55,604,500 | 5,600 |
Average earning assets | $52,093,500 | 5,556 |
Average equity | $4,483,000 | 5,951 |
Average total loans | $39,696,500 | 5,151 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9971% | 3,740 |
Cost of funding earning assets | 0.4318% | 3,364 |
Net interest margin | 3.5653% | 3,540 |
Noninterest income to average assets | 0.3882% | 4,276 |
Noninterest expense to average assets | 2.2828% | 5,153 |
Loan and lease loss provision to assets | 0.1553% | 1,689 |
Net operating income to assets | 1.2190% | 1,530 |
Return on assets (ROA) | 1.2348% | 1,534 |
Pretax return on assets | 1.2939% | 2,258 |
Return on Equity (ROE) | 16.5257% | 548 |
Retained earnings to average equity (ytd only) | 9.7719% | 553 |
Net charge-offs to loans | 0.0594% | 3,655 |
Credit loss provision to net charge-offs | 381.8182% | 686 |
Earnings coverage of net charge-offs (x) | 35.2273% | 1,196 |
Efficiency ratio | 61.4428% | 5,001 |
Assets per employee ($millions) | 5.0663% | 2,238 |
Cash dividends to net income (ytd only)* | 40.8683% | 2,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0032% | 5,040 |
Loan loss allowance to noncurrent loans | 530.6667% | 1,019 |
Noncurrent assets plus other real estate owned to assets | 0.1615% | 5,380 |
Noncurrent loans to loans | 0.1890% | 5,154 |
Net loans and leases to total assets | 70.4786% | 2,159 |
Net loans and leases to deposits | 84.2059% | 2,186 |
Net loans and leases to core deposits | 86.0960% | 2,680 |
Total domestic deposits to total assets | 83.6979% | 3,837 |
Equity capital to assets | 7.9169% | 6,100 |
Core capital (leverage) ratio | 7.7987% | 6,101 |
Tier 1 risk-based capital ratio | 10.4325% | 6,131 |
Total risk-based capital ratio | 11.3948% | 6,168 |
Memoranda: | ||
Average total assets | $54,099,600 | 5,695 |
Average earning assets | $50,487,200 | 5,661 |
Average equity | $4,042,200 | 6,084 |
Average total loans | $37,065,600 | 5,292 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9466% | 3,985 |
Cost of funding earning assets | 0.4335% | 3,430 |
Net interest margin | 3.5131% | 3,774 |
Noninterest income to average assets | 0.4370% | 3,977 |
Noninterest expense to average assets | 2.2746% | 5,167 |
Loan and lease loss provision to assets | 0.1589% | 1,569 |
Net operating income to assets | 1.2246% | 1,594 |
Return on assets (ROA) | 1.2317% | 1,634 |
Pretax return on assets | 1.2913% | 2,408 |
Return on Equity (ROE) | 16.7433% | 584 |
Retained earnings to average equity (ytd only) | 8.3717% | 1,198 |
Net charge-offs to loans | 0.0805% | 3,049 |
Credit loss provision to net charge-offs | 290.9091% | 930 |
Earnings coverage of net charge-offs (x) | 26.4115% | 1,484 |
Efficiency ratio | 61.1890% | 5,006 |
Assets per employee ($millions) | 5.0548% | 2,177 |
Cash dividends to net income (ytd only)* | 50.0000% | 1,836 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9702% | 5,346 |
Loan loss allowance to noncurrent loans | 360.0000% | 1,311 |
Noncurrent assets plus other real estate owned to assets | 0.2158% | 5,352 |
Noncurrent loans to loans | 0.2695% | 5,106 |
Net loans and leases to total assets | 69.3937% | 2,290 |
Net loans and leases to deposits | 81.6078% | 2,474 |
Net loans and leases to core deposits | 83.4126% | 2,952 |
Total domestic deposits to total assets | 85.0332% | 3,324 |
Equity capital to assets | 7.6471% | 6,275 |
Core capital (leverage) ratio | 7.5582% | 6,257 |
Tier 1 risk-based capital ratio | 10.2928% | 6,268 |
Total risk-based capital ratio | 11.2276% | 6,315 |
Memoranda: | ||
Average total assets | $53,692,250 | 5,763 |
Average earning assets | $50,134,500 | 5,738 |
Average equity | $3,949,750 | 6,169 |
Average total loans | $36,413,250 | 5,368 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8944% | 4,157 |
Cost of funding earning assets | 0.4413% | 3,424 |
Net interest margin | 3.4531% | 3,970 |
Noninterest income to average assets | 0.3958% | 4,271 |
Noninterest expense to average assets | 2.3070% | 5,129 |
Loan and lease loss provision to assets | 0.0754% | 2,767 |
Net operating income to assets | 1.1699% | 1,689 |
Return on assets (ROA) | 1.1950% | 1,673 |
Pretax return on assets | 1.2553% | 2,434 |
Return on Equity (ROE) | 16.4718% | 607 |
Retained earnings to average equity (ytd only) | 8.0540% | 1,308 |
Net charge-offs to loans | 0.0450% | 3,336 |
Credit loss provision to net charge-offs | 250.0000% | 983 |
Earnings coverage of net charge-offs (x) | 43.2500% | 999 |
Efficiency ratio | 63.8831% | 4,704 |
Assets per employee ($millions) | 5.3994% | 1,783 |
Cash dividends to net income (ytd only)* | 51.1041% | 1,885 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9304% | 5,631 |
Loan loss allowance to noncurrent loans | 740.4255% | 659 |
Noncurrent assets plus other real estate owned to assets | 0.0870% | 5,904 |
Noncurrent loans to loans | 0.1257% | 5,644 |
Net loans and leases to total assets | 68.6298% | 2,305 |
Net loans and leases to deposits | 78.2730% | 2,762 |
Net loans and leases to core deposits | 79.9965% | 3,215 |
Total domestic deposits to total assets | 87.6801% | 2,095 |
Equity capital to assets | 7.5527% | 6,339 |
Core capital (leverage) ratio | 7.5806% | 6,284 |
Tier 1 risk-based capital ratio | 10.4975% | 6,250 |
Total risk-based capital ratio | 11.3955% | 6,313 |
Memoranda: | ||
Average total assets | $53,055,330 | 5,828 |
Average earning assets | $49,404,330 | 5,802 |
Average equity | $3,849,000 | 6,231 |
Average total loans | $35,563,330 | 5,438 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8299% | 4,360 |
Cost of funding earning assets | 0.4511% | 3,417 |
Net interest margin | 3.3789% | 4,225 |
Noninterest income to average assets | 0.3727% | 4,406 |
Noninterest expense to average assets | 2.3048% | 5,182 |
Loan and lease loss provision to assets | 0.0685% | 2,764 |
Net operating income to assets | 1.0649% | 1,952 |
Return on assets (ROA) | 1.0649% | 2,023 |
Pretax return on assets | 1.1334% | 2,756 |
Return on Equity (ROE) | 14.9953% | 772 |
Retained earnings to average equity (ytd only) | 11.9963% | 604 |
Net charge-offs to loans | 0.0693% | 2,459 |
Credit loss provision to net charge-offs | 150.0000% | 1,254 |
Earnings coverage of net charge-offs (x) | 26.3333% | 1,132 |
Efficiency ratio | 65.7267% | 4,572 |
Assets per employee ($millions) | 4.8673% | 2,420 |
Cash dividends to net income (ytd only)* | 20.0000% | 2,519 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9780% | 5,604 |
Loan loss allowance to noncurrent loans | 826.8293% | 614 |
Noncurrent assets plus other real estate owned to assets | 0.0766% | 6,018 |
Noncurrent loans to loans | 0.1183% | 5,763 |
Net loans and leases to total assets | 64.1109% | 2,869 |
Net loans and leases to deposits | 69.2427% | 3,701 |
Net loans and leases to core deposits | 70.6959% | 4,016 |
Total domestic deposits to total assets | 92.5887% | 157 |
Equity capital to assets | 7.2712% | 6,384 |
Core capital (leverage) ratio | 7.3933% | 6,374 |
Tier 1 risk-based capital ratio | 11.1397% | 6,102 |
Total risk-based capital ratio | 12.0789% | 6,177 |
Memoranda: | ||
Average total assets | $52,586,000 | 5,897 |
Average earning assets | $48,773,500 | 5,873 |
Average equity | $3,734,500 | 6,298 |
Average total loans | $34,643,000 | 5,512 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9582% | 4,248 |
Cost of funding earning assets | 0.4615% | 4,008 |
Net interest margin | 3.4967% | 3,925 |
Noninterest income to average assets | 0.3447% | 4,854 |
Noninterest expense to average assets | 2.2611% | 5,478 |
Loan and lease loss provision to assets | 0.1130% | 2,927 |
Net operating income to assets | 1.1644% | 1,703 |
Return on assets (ROA) | 1.1588% | 1,783 |
Pretax return on assets | 1.2114% | 2,532 |
Return on Equity (ROE) | 16.3103% | 586 |
Retained earnings to average equity (ytd only) | 10.0055% | 563 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.9610% | 5,067 |
Assets per employee ($millions) | 4.6938% | 2,598 |
Cash dividends to net income (ytd only)* | 38.6555% | 2,877 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9705% | 5,701 |
Loan loss allowance to noncurrent loans | 933.3333% | 536 |
Noncurrent assets plus other real estate owned to assets | 0.0697% | 6,139 |
Noncurrent loans to loans | 0.1040% | 5,900 |
Net loans and leases to total assets | 66.4046% | 2,629 |
Net loans and leases to deposits | 72.9645% | 3,402 |
Net loans and leases to core deposits | 74.5769% | 3,777 |
Total domestic deposits to total assets | 91.0095% | 562 |
Equity capital to assets | 6.9259% | 6,475 |
Core capital (leverage) ratio | 7.4487% | 6,392 |
Tier 1 risk-based capital ratio | 10.6726% | 6,310 |
Total risk-based capital ratio | 11.5909% | 6,379 |
Memoranda: | ||
Average total assets | $51,347,000 | 5,982 |
Average earning assets | $47,673,000 | 5,947 |
Average equity | $3,648,000 | 6,405 |
Average total loans | $33,511,800 | 5,601 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9184% | 4,432 |
Cost of funding earning assets | 0.4636% | 4,130 |
Net interest margin | 3.4548% | 4,072 |
Noninterest income to average assets | 0.3406% | 4,968 |
Noninterest expense to average assets | 2.2362% | 5,515 |
Loan and lease loss provision to assets | 0.1092% | 2,943 |
Net operating income to assets | 1.1594% | 1,776 |
Return on assets (ROA) | 1.1519% | 1,879 |
Pretax return on assets | 1.2039% | 2,676 |
Return on Equity (ROE) | 16.1116% | 638 |
Retained earnings to average equity (ytd only) | 9.9288% | 805 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.8655% | 5,007 |
Assets per employee ($millions) | 4.7582% | 2,493 |
Cash dividends to net income (ytd only)* | 38.3747% | 2,342 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8984% | 6,057 |
Loan loss allowance to noncurrent loans | 1,103.4483% | 431 |
Noncurrent assets plus other real estate owned to assets | 0.0554% | 6,285 |
Noncurrent loans to loans | 0.0814% | 6,090 |
Net loans and leases to total assets | 67.4417% | 2,384 |
Net loans and leases to deposits | 75.0117% | 3,091 |
Net loans and leases to core deposits | 76.6653% | 3,543 |
Total domestic deposits to total assets | 89.9083% | 1,052 |
Equity capital to assets | 6.7864% | 6,594 |
Core capital (leverage) ratio | 7.3295% | 6,503 |
Tier 1 risk-based capital ratio | 10.2244% | 6,529 |
Total risk-based capital ratio | 11.0834% | 6,609 |
Memoranda: | ||
Average total assets | $51,275,750 | 6,053 |
Average earning assets | $47,739,750 | 6,013 |
Average equity | $3,666,000 | 6,477 |
Average total loans | $33,234,250 | 5,669 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8803% | 4,547 |
Cost of funding earning assets | 0.4771% | 4,128 |
Net interest margin | 3.4032% | 4,177 |
Noninterest income to average assets | 0.3339% | 5,022 |
Noninterest expense to average assets | 2.2113% | 5,604 |
Loan and lease loss provision to assets | 0.0786% | 3,487 |
Net operating income to assets | 1.1583% | 1,706 |
Return on assets (ROA) | 1.1508% | 1,858 |
Pretax return on assets | 1.2019% | 2,669 |
Return on Equity (ROE) | 15.8207% | 687 |
Retained earnings to average equity (ytd only) | 9.8812% | 876 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.1874% | 4,986 |
Assets per employee ($millions) | 4.6658% | 2,566 |
Cash dividends to net income (ytd only)* | 37.5427% | 2,358 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8977% | 6,136 |
Loan loss allowance to noncurrent loans | 693.0233% | 648 |
Noncurrent assets plus other real estate owned to assets | 0.0838% | 6,249 |
Noncurrent loans to loans | 0.1295% | 6,000 |
Net loans and leases to total assets | 64.0987% | 2,896 |
Net loans and leases to deposits | 70.1959% | 3,695 |
Net loans and leases to core deposits | 71.3483% | 4,129 |
Total domestic deposits to total assets | 91.3140% | 439 |
Equity capital to assets | 6.6148% | 6,665 |
Core capital (leverage) ratio | 7.2143% | 6,559 |
Tier 1 risk-based capital ratio | 10.6185% | 6,471 |
Total risk-based capital ratio | 11.4703% | 6,558 |
Memoranda: | ||
Average total assets | $50,921,000 | 6,104 |
Average earning assets | $47,367,670 | 6,061 |
Average equity | $3,704,000 | 6,519 |
Average total loans | $32,439,330 | 5,735 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8345% | 4,702 |
Cost of funding earning assets | 0.4836% | 4,254 |
Net interest margin | 3.3509% | 4,314 |
Noninterest income to average assets | 0.3470% | 4,906 |
Noninterest expense to average assets | 2.2398% | 5,586 |
Loan and lease loss provision to assets | 0.0631% | 3,579 |
Net operating income to assets | 1.1092% | 1,821 |
Return on assets (ROA) | 1.2303% | 1,545 |
Pretax return on assets | 1.2855% | 2,271 |
Return on Equity (ROE) | 16.1721% | 587 |
Retained earnings to average equity (ytd only) | 12.0254% | 701 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6925% | 4,887 |
Assets per employee ($millions) | 4.7295% | 2,597 |
Cash dividends to net income (ytd only)* | 25.6410% | 2,191 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9051% | 6,249 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 60.1915% | 3,393 |
Net loans and leases to deposits | 65.1628% | 4,167 |
Net loans and leases to core deposits | 66.2044% | 4,505 |
Total domestic deposits to total assets | 92.3708% | 192 |
Equity capital to assets | 7.4619% | 6,604 |
Core capital (leverage) ratio | 7.2151% | 6,577 |
Tier 1 risk-based capital ratio | 10.8996% | 6,451 |
Total risk-based capital ratio | 11.7543% | 6,560 |
Memoranda: | ||
Average total assets | $50,719,500 | 6,165 |
Average earning assets | $47,151,000 | 6,121 |
Average equity | $3,858,500 | 6,546 |
Average total loans | $32,061,000 | 5,792 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0862% | 4,997 |
Cost of funding earning assets | 0.6054% | 4,291 |
Net interest margin | 3.4807% | 4,580 |
Noninterest income to average assets | 0.3973% | 4,636 |
Noninterest expense to average assets | 2.3510% | 5,560 |
Loan and lease loss provision to assets | 0.2279% | 2,851 |
Net operating income to assets | 1.0094% | 2,295 |
Return on assets (ROA) | 1.0029% | 2,546 |
Pretax return on assets | 1.0441% | 3,376 |
Return on Equity (ROE) | 12.7105% | 1,308 |
Retained earnings to average equity (ytd only) | 8.3636% | 1,010 |
Net charge-offs to loans | -0.0071% | 6,422 |
Credit loss provision to net charge-offs | -5,250.0000% | 6,676 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.7727% | 4,745 |
Assets per employee ($millions) | 4.4923% | 2,978 |
Cash dividends to net income (ytd only)* | 34.1991% | 3,183 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8548% | 6,383 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 65.2514% | 2,659 |
Net loans and leases to deposits | 76.2847% | 2,754 |
Net loans and leases to core deposits | 77.1979% | 3,370 |
Total domestic deposits to total assets | 85.5368% | 3,593 |
Equity capital to assets | 7.7608% | 6,519 |
Core capital (leverage) ratio | 7.2834% | 6,597 |
Tier 1 risk-based capital ratio | 10.5080% | 6,552 |
Total risk-based capital ratio | 11.3362% | 6,650 |
Memoranda: | ||
Average total assets | $46,066,200 | 6,327 |
Average earning assets | $42,778,200 | 6,280 |
Average equity | $3,634,800 | 6,654 |
Average total loans | $28,237,600 | 6,030 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0858% | 5,241 |
Cost of funding earning assets | 0.6310% | 4,357 |
Net interest margin | 3.4548% | 4,830 |
Noninterest income to average assets | 0.4157% | 4,512 |
Noninterest expense to average assets | 2.3672% | 5,495 |
Loan and lease loss provision to assets | 0.2918% | 2,250 |
Net operating income to assets | 0.9197% | 2,883 |
Return on assets (ROA) | 0.9109% | 3,158 |
Pretax return on assets | 0.9433% | 3,946 |
Return on Equity (ROE) | 11.4929% | 1,796 |
Retained earnings to average equity (ytd only) | 8.5546% | 1,392 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.5510% | 4,531 |
Assets per employee ($millions) | 4.4238% | 3,040 |
Cash dividends to net income (ytd only)* | 25.5662% | 2,835 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8989% | 6,386 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | 0.0000% | 6,696 |
Net loans and leases to total assets | 61.1730% | 3,540 |
Net loans and leases to deposits | 67.9883% | 4,183 |
Net loans and leases to core deposits | 69.1796% | 4,592 |
Total domestic deposits to total assets | 89.9758% | 857 |
Equity capital to assets | 7.7268% | 6,702 |
Core capital (leverage) ratio | 7.2907% | 6,717 |
Tier 1 risk-based capital ratio | 10.5856% | 6,639 |
Total risk-based capital ratio | 11.4143% | 6,736 |
Memoranda: | ||
Average total assets | $45,229,000 | 6,418 |
Average earning assets | $41,834,750 | 6,385 |
Average equity | $3,584,750 | 6,748 |
Average total loans | $27,166,500 | 6,157 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1223% | 5,236 |
Cost of funding earning assets | 0.6633% | 4,339 |
Net interest margin | 3.4590% | 4,846 |
Noninterest income to average assets | 0.4854% | 4,021 |
Noninterest expense to average assets | 2.4090% | 5,426 |
Loan and lease loss provision to assets | 0.3856% | 1,700 |
Net operating income to assets | 0.8574% | 3,101 |
Return on assets (ROA) | 0.8438% | 3,441 |
Pretax return on assets | 0.8711% | 4,195 |
Return on Equity (ROE) | 10.5492% | 2,152 |
Retained earnings to average equity (ytd only) | 9.4716% | 1,124 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.4747% | 4,628 |
Assets per employee ($millions) | 3.8541% | 4,187 |
Cash dividends to net income (ytd only)* | 10.2151% | 3,289 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9021% | 6,446 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 60.8035% | 3,659 |
Net loans and leases to deposits | 67.7843% | 4,237 |
Net loans and leases to core deposits | 69.0374% | 4,666 |
Total domestic deposits to total assets | 89.7014% | 1,101 |
Equity capital to assets | 7.9094% | 6,628 |
Core capital (leverage) ratio | 7.4918% | 6,631 |
Tier 1 risk-based capital ratio | 10.9581% | 6,522 |
Total risk-based capital ratio | 11.7874% | 6,665 |
Memoranda: | ||
Average total assets | $44,084,670 | 6,485 |
Average earning assets | $40,705,330 | 6,455 |
Average equity | $3,526,330 | 6,800 |
Average total loans | $26,209,330 | 6,249 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0994% | 5,460 |
Cost of funding earning assets | 0.7099% | 4,198 |
Net interest margin | 3.3895% | 5,157 |
Noninterest income to average assets | 0.3628% | 4,976 |
Noninterest expense to average assets | 2.4836% | 5,203 |
Loan and lease loss provision to assets | 0.4930% | 1,235 |
Net operating income to assets | 0.5302% | 4,687 |
Return on assets (ROA) | 0.5023% | 5,029 |
Pretax return on assets | 0.5116% | 5,394 |
Return on Equity (ROE) | 6.2419% | 4,169 |
Retained earnings to average equity (ytd only) | 6.2419% | 2,823 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.6349% | 3,695 |
Assets per employee ($millions) | 4.0683% | 3,864 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8789% | 6,590 |
Loan loss allowance to noncurrent loans | 11,200.0000% | 56 |
Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,937 |
Noncurrent loans to loans | 0.0078% | 6,780 |
Net loans and leases to total assets | 56.4479% | 4,304 |
Net loans and leases to deposits | 61.3981% | 4,997 |
Net loans and leases to core deposits | 62.5396% | 5,270 |
Total domestic deposits to total assets | 91.9376% | 271 |
Equity capital to assets | 7.8523% | 6,614 |
Core capital (leverage) ratio | 7.2148% | 6,757 |
Tier 1 risk-based capital ratio | 11.6645% | 6,182 |
Total risk-based capital ratio | 12.4643% | 6,416 |
Memoranda: | ||
Average total assets | $43,002,500 | 6,560 |
Average earning assets | $40,005,500 | 6,524 |
Average equity | $3,460,500 | 6,858 |
Average total loans | $25,125,500 | 6,362 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6376% | 4,516 |
Cost of funding earning assets | 0.9617% | 3,630 |
Net interest margin | 3.6758% | 4,410 |
Noninterest income to average assets | 0.3410% | 5,092 |
Noninterest expense to average assets | 2.6584% | 4,891 |
Loan and lease loss provision to assets | 0.0347% | 6,128 |
Net operating income to assets | 1.0040% | 2,180 |
Return on assets (ROA) | 1.0040% | 2,327 |
Pretax return on assets | 1.0388% | 3,090 |
Return on Equity (ROE) | 11.6637% | 1,511 |
Retained earnings to average equity (ytd only) | -17.4956% | 6,927 |
Net charge-offs to loans | 0.0048% | 6,373 |
Credit loss provision to net charge-offs | 1,100.0000% | 201 |
Earnings coverage of net charge-offs (x) | 340.0000% | 104 |
Efficiency ratio | 71.2352% | 3,744 |
Assets per employee ($millions) | 3.7504% | 4,434 |
Cash dividends to net income (ytd only)* | 250.0000% | 58 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6905% | 6,916 |
Loan loss allowance to noncurrent loans | 462.1622% | 734 |
Noncurrent assets plus other real estate owned to assets | 0.0897% | 6,730 |
Noncurrent loans to loans | 0.1494% | 6,445 |
Net loans and leases to total assets | 59.6185% | 4,055 |
Net loans and leases to deposits | 65.3410% | 4,829 |
Net loans and leases to core deposits | 66.2206% | 5,227 |
Total domestic deposits to total assets | 91.2421% | 413 |
Equity capital to assets | 8.2586% | 6,380 |
Core capital (leverage) ratio | 7.6752% | 6,550 |
Tier 1 risk-based capital ratio | 12.0703% | 5,783 |
Total risk-based capital ratio | 12.7135% | 6,173 |
Memoranda: | ||
Average total assets | $31,672,600 | 6,927 |
Average earning assets | $29,218,000 | 6,893 |
Average equity | $2,726,400 | 7,070 |
Average total loans | $20,648,000 | 6,626 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6506% | 4,674 |
Cost of funding earning assets | 1.0263% | 3,492 |
Net interest margin | 3.6243% | 4,679 |
Noninterest income to average assets | 0.2778% | 5,627 |
Noninterest expense to average assets | 2.6914% | 4,762 |
Loan and lease loss provision to assets | 0.0410% | 5,926 |
Net operating income to assets | 0.8380% | 2,994 |
Return on assets (ROA) | 0.8380% | 3,148 |
Pretax return on assets | 0.8744% | 3,864 |
Return on Equity (ROE) | 9.5973% | 2,348 |
Retained earnings to average equity (ytd only) | -29.1044% | 7,183 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.6212% | 3,061 |
Assets per employee ($millions) | 3.8352% | 4,228 |
Cash dividends to net income (ytd only)* | 403.2568% | 25 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6877% | 6,984 |
Loan loss allowance to noncurrent loans | 447.3684% | 714 |
Noncurrent assets plus other real estate owned to assets | 0.0901% | 6,831 |
Noncurrent loans to loans | 0.1537% | 6,565 |
Net loans and leases to total assets | 58.1933% | 4,478 |
Net loans and leases to deposits | 63.6786% | 5,209 |
Net loans and leases to core deposits | 64.5153% | 5,562 |
Total domestic deposits to total assets | 91.3860% | 324 |
Equity capital to assets | 7.9053% | 6,752 |
Core capital (leverage) ratio | 7.5862% | 6,708 |
Tier 1 risk-based capital ratio | 12.0885% | 5,832 |
Total risk-based capital ratio | 12.7461% | 6,238 |
Memoranda: | ||
Average total assets | $29,277,250 | 7,059 |
Average earning assets | $26,892,000 | 7,034 |
Average equity | $2,556,250 | 7,177 |
Average total loans | $19,618,500 | 6,747 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9402% | 3,440 |
Cost of funding earning assets | 1.1779% | 2,722 |
Net interest margin | 3.7623% | 3,976 |
Noninterest income to average assets | 0.2322% | 5,983 |
Noninterest expense to average assets | 2.6828% | 4,890 |
Loan and lease loss provision to assets | 0.0320% | 5,909 |
Net operating income to assets | 0.9129% | 2,583 |
Return on assets (ROA) | 0.9129% | 2,686 |
Pretax return on assets | 0.9450% | 3,452 |
Return on Equity (ROE) | 9.9274% | 2,140 |
Retained earnings to average equity (ytd only) | 6.2699% | 2,262 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.3042% | 3,499 |
Assets per employee ($millions) | 4.2707% | 3,214 |
Cash dividends to net income (ytd only)* | 36.8421% | 2,213 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8455% | 6,784 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 75.5151% | 1,153 |
Net loans and leases to deposits | 84.1817% | 2,083 |
Net loans and leases to core deposits | 86.0535% | 2,896 |
Total domestic deposits to total assets | 89.7050% | 1,119 |
Equity capital to assets | 9.2179% | 5,253 |
Core capital (leverage) ratio | 8.8981% | 4,882 |
Tier 1 risk-based capital ratio | 12.1469% | 5,670 |
Total risk-based capital ratio | 13.0449% | 5,930 |
Memoranda: | ||
Average total assets | $24,974,000 | 7,239 |
Average earning assets | $22,752,330 | 7,224 |
Average equity | $2,296,670 | 7,295 |
Average total loans | $17,918,000 | 6,897 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8383% | 3,880 |
Cost of funding earning assets | 1.2319% | 2,614 |
Net interest margin | 3.6064% | 4,541 |
Noninterest income to average assets | 0.2272% | 6,100 |
Noninterest expense to average assets | 2.7587% | 4,608 |
Loan and lease loss provision to assets | 0.0325% | 5,565 |
Net operating income to assets | 0.6978% | 3,523 |
Return on assets (ROA) | 0.6978% | 3,588 |
Pretax return on assets | 0.7140% | 4,247 |
Return on Equity (ROE) | 7.5972% | 3,102 |
Retained earnings to average equity (ytd only) | 2.8269% | 4,473 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.7037% | 2,733 |
Assets per employee ($millions) | 4.2017% | 3,460 |
Cash dividends to net income (ytd only)* | 62.7907% | 1,180 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9501% | 6,545 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 67.4058% | 2,674 |
Net loans and leases to deposits | 74.8392% | 3,624 |
Net loans and leases to core deposits | 76.5244% | 4,232 |
Total domestic deposits to total assets | 90.0674% | 1,115 |
Equity capital to assets | 8.9726% | 5,246 |
Core capital (leverage) ratio | 8.6444% | 5,184 |
Tier 1 risk-based capital ratio | 13.1160% | 4,739 |
Total risk-based capital ratio | 14.0981% | 4,918 |
Memoranda: | ||
Average total assets | $24,649,000 | 7,298 |
Average earning assets | $22,404,500 | 7,284 |
Average equity | $2,264,000 | 7,354 |
Average total loans | $17,119,500 | 6,991 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3754% | 2,784 |
Cost of funding earning assets | 1.4079% | 3,211 |
Net interest margin | 3.9674% | 3,167 |
Noninterest income to average assets | 0.2681% | 5,871 |
Noninterest expense to average assets | 2.7204% | 4,896 |
Loan and lease loss provision to assets | 0.0527% | 6,628 |
Net operating income to assets | 1.0548% | 1,856 |
Return on assets (ROA) | 1.0548% | 1,956 |
Pretax return on assets | 1.0987% | 2,584 |
Return on Equity (ROE) | 10.8794% | 1,624 |
Retained earnings to average equity (ytd only) | 6.9810% | 1,337 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.2611% | 4,124 |
Assets per employee ($millions) | 4.0147% | 3,751 |
Cash dividends to net income (ytd only)* | 35.8333% | 2,774 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9425% | 6,601 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 70.2507% | 2,481 |
Net loans and leases to deposits | 79.6929% | 3,232 |
Net loans and leases to core deposits | 81.6147% | 3,961 |
Total domestic deposits to total assets | 88.1518% | 2,148 |
Equity capital to assets | 9.4072% | 4,537 |
Core capital (leverage) ratio | 9.0064% | 4,542 |
Tier 1 risk-based capital ratio | 13.0590% | 4,555 |
Total risk-based capital ratio | 14.0319% | 4,756 |
Memoranda: | ||
Average total assets | $22,753,800 | 7,403 |
Average earning assets | $20,668,400 | 7,387 |
Average equity | $2,206,000 | 7,466 |
Average total loans | $16,097,600 | 7,118 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4406% | 2,686 |
Cost of funding earning assets | 1.4225% | 3,439 |
Net interest margin | 4.0182% | 3,017 |
Noninterest income to average assets | 0.2617% | 6,028 |
Noninterest expense to average assets | 2.7237% | 4,781 |
Loan and lease loss provision to assets | 0.0535% | 6,537 |
Net operating income to assets | 1.0823% | 1,956 |
Return on assets (ROA) | 1.0823% | 2,068 |
Pretax return on assets | 1.1299% | 2,732 |
Return on Equity (ROE) | 11.0753% | 1,765 |
Retained earnings to average equity (ytd only) | 7.1807% | 1,764 |
Net charge-offs to loans | 0.0084% | 6,548 |
Credit loss provision to net charge-offs | 900.0000% | 324 |
Earnings coverage of net charge-offs (x) | 199.4962% | 162 |
Efficiency ratio | 69.7108% | 4,133 |
Assets per employee ($millions) | 3.8743% | 4,091 |
Cash dividends to net income (ytd only)* | 35.1644% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9346% | 6,633 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 71.5865% | 2,338 |
Net loans and leases to deposits | 81.8061% | 3,144 |
Net loans and leases to core deposits | 83.8676% | 3,961 |
Total domestic deposits to total assets | 87.5075% | 2,258 |
Equity capital to assets | 9.8167% | 4,395 |
Core capital (leverage) ratio | 9.0421% | 4,614 |
Tier 1 risk-based capital ratio | 13.1885% | 4,434 |
Total risk-based capital ratio | 14.1633% | 4,625 |
Memoranda: | ||
Average total assets | $22,420,250 | 7,506 |
Average earning assets | $20,340,250 | 7,487 |
Average equity | $2,191,000 | 7,570 |
Average total loans | $15,851,250 | 7,217 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4052% | 2,953 |
Cost of funding earning assets | 1.4183% | 3,760 |
Net interest margin | 3.9870% | 3,079 |
Noninterest income to average assets | 0.2800% | 5,909 |
Noninterest expense to average assets | 2.7455% | 4,712 |
Loan and lease loss provision to assets | 0.0181% | 6,743 |
Net operating income to assets | 1.1018% | 1,847 |
Return on assets (ROA) | 1.1018% | 1,915 |
Pretax return on assets | 1.1470% | 2,596 |
Return on Equity (ROE) | 11.2928% | 1,649 |
Retained earnings to average equity (ytd only) | 6.2943% | 2,172 |
Net charge-offs to loans | 0.0129% | 6,163 |
Credit loss provision to net charge-offs | 200.0000% | 1,956 |
Earnings coverage of net charge-offs (x) | 129.0000% | 260 |
Efficiency ratio | 70.2079% | 4,149 |
Assets per employee ($millions) | 3.2866% | 5,460 |
Cash dividends to net income (ytd only)* | 44.2623% | 1,898 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9137% | 6,709 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 70.7076% | 2,747 |
Net loans and leases to deposits | 80.3269% | 3,548 |
Net loans and leases to core deposits | 82.3604% | 4,364 |
Total domestic deposits to total assets | 88.0249% | 1,987 |
Equity capital to assets | 9.6323% | 4,495 |
Core capital (leverage) ratio | 9.2519% | 4,206 |
Tier 1 risk-based capital ratio | 12.9609% | 4,481 |
Total risk-based capital ratio | 13.8983% | 4,704 |
Memoranda: | ||
Average total assets | $22,145,000 | 7,577 |
Average earning assets | $20,165,670 | 7,552 |
Average equity | $2,160,670 | 7,635 |
Average total loans | $15,535,670 | 7,285 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3544% | 3,276 |
Cost of funding earning assets | 1.4493% | 3,883 |
Net interest margin | 3.9051% | 3,304 |
Noninterest income to average assets | 0.2763% | 5,942 |
Noninterest expense to average assets | 2.8737% | 4,172 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.9395% | 2,397 |
Return on assets (ROA) | 0.9395% | 2,459 |
Pretax return on assets | 0.9763% | 3,180 |
Return on Equity (ROE) | 9.5640% | 2,266 |
Retained earnings to average equity (ytd only) | 1.8753% | 4,995 |
Net charge-offs to loans | 0.0265% | 5,198 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | 53.0000% | 548 |
Efficiency ratio | 74.6411% | 3,459 |
Assets per employee ($millions) | 3.6925% | 4,590 |
Cash dividends to net income (ytd only)* | 80.3922% | 841 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9547% | 6,654 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | 0.0000% | 7,426 |
Net loans and leases to total assets | 69.3026% | 3,090 |
Net loans and leases to deposits | 78.7910% | 3,882 |
Net loans and leases to core deposits | 80.8659% | 4,647 |
Total domestic deposits to total assets | 87.9576% | 2,088 |
Equity capital to assets | 9.6367% | 4,325 |
Core capital (leverage) ratio | 9.1296% | 4,327 |
Tier 1 risk-based capital ratio | 13.3219% | 4,109 |
Total risk-based capital ratio | 14.2999% | 4,271 |
Memoranda: | ||
Average total assets | $21,714,500 | 7,683 |
Average earning assets | $19,871,500 | 7,653 |
Average equity | $2,133,000 | 7,721 |
Average total loans | $15,095,000 | 7,398 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5016% | 4,134 |
Cost of funding earning assets | 1.6996% | 4,511 |
Net interest margin | 3.8019% | 3,700 |
Noninterest income to average assets | 0.2679% | 6,197 |
Noninterest expense to average assets | 2.8785% | 4,616 |
Loan and lease loss provision to assets | 0.0487% | 7,076 |
Net operating income to assets | 0.8475% | 2,358 |
Return on assets (ROA) | 0.8475% | 2,442 |
Pretax return on assets | 0.8816% | 2,985 |
Return on Equity (ROE) | 8.2944% | 2,263 |
Retained earnings to average equity (ytd only) | 4.4809% | 2,113 |
Net charge-offs to loans | 0.0143% | 7,020 |
Credit loss provision to net charge-offs | 500.0000% | 612 |
Earnings coverage of net charge-offs (x) | 95.5000% | 293 |
Efficiency ratio | 75.5754% | 3,600 |
Assets per employee ($millions) | 3.5457% | 4,907 |
Cash dividends to net income (ytd only)* | 45.9770% | 2,661 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0144% | 6,294 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 68.3416% | 3,629 |
Net loans and leases to deposits | 78.2045% | 4,329 |
Net loans and leases to core deposits | 88.9725% | 5,228 |
Total domestic deposits to total assets | 87.3884% | 2,273 |
Equity capital to assets | 10.0169% | 3,732 |
Core capital (leverage) ratio | 9.1252% | 4,236 |
Tier 1 risk-based capital ratio | 13.9433% | 3,536 |
Total risk-based capital ratio | 14.9785% | 3,608 |
Memoranda: | ||
Average total assets | $20,531,400 | 7,758 |
Average earning assets | $19,121,800 | 7,728 |
Average equity | $2,097,800 | 7,824 |
Average total loans | $14,001,200 | 7,497 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4882% | 4,476 |
Cost of funding earning assets | 1.7313% | 4,736 |
Net interest margin | 3.7569% | 3,830 |
Noninterest income to average assets | 0.2621% | 6,357 |
Noninterest expense to average assets | 2.8769% | 4,547 |
Loan and lease loss provision to assets | 0.0590% | 6,774 |
Net operating income to assets | 0.8126% | 2,756 |
Return on assets (ROA) | 0.8126% | 2,820 |
Pretax return on assets | 0.8388% | 3,413 |
Return on Equity (ROE) | 7.9124% | 2,678 |
Retained earnings to average equity (ytd only) | 4.2115% | 2,920 |
Net charge-offs to loans | 0.0193% | 6,638 |
Credit loss provision to net charge-offs | 450.0000% | 877 |
Earnings coverage of net charge-offs (x) | 68.4120% | 489 |
Efficiency ratio | 76.2153% | 3,473 |
Assets per employee ($millions) | 3.4883% | 4,957 |
Cash dividends to net income (ytd only)* | 46.7731% | 2,158 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0135% | 6,199 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | 0.0000% | 7,541 |
Net loans and leases to total assets | 69.0635% | 3,698 |
Net loans and leases to deposits | 79.2402% | 4,526 |
Net loans and leases to core deposits | 89.7882% | 5,456 |
Total domestic deposits to total assets | 87.1572% | 2,101 |
Equity capital to assets | 10.1911% | 3,859 |
Core capital (leverage) ratio | 9.3213% | 4,154 |
Tier 1 risk-based capital ratio | 14.0464% | 3,523 |
Total risk-based capital ratio | 15.0969% | 3,585 |
Memoranda: | ||
Average total assets | $20,345,750 | 7,840 |
Average earning assets | $19,022,250 | 7,806 |
Average equity | $2,089,500 | 7,907 |
Average total loans | $13,829,500 | 7,577 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4098% | 5,099 |
Cost of funding earning assets | 1.7574% | 4,959 |
Net interest margin | 3.6524% | 4,153 |
Noninterest income to average assets | 0.2680% | 6,355 |
Noninterest expense to average assets | 2.9378% | 4,346 |
Loan and lease loss provision to assets | 0.0596% | 6,624 |
Net operating income to assets | 0.6749% | 3,368 |
Return on assets (ROA) | 0.6749% | 3,479 |
Pretax return on assets | 0.6948% | 4,017 |
Return on Equity (ROE) | 6.5542% | 3,410 |
Retained earnings to average equity (ytd only) | 1.3494% | 4,586 |
Net charge-offs to loans | 0.0295% | 6,053 |
Credit loss provision to net charge-offs | 300.0000% | 1,545 |
Earnings coverage of net charge-offs (x) | 38.0000% | 841 |
Efficiency ratio | 79.5699% | 3,117 |
Assets per employee ($millions) | 3.5333% | 4,724 |
Cash dividends to net income (ytd only)* | 79.4118% | 1,091 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0504% | 5,907 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 64.4292% | 4,890 |
Net loans and leases to deposits | 73.5422% | 5,531 |
Net loans and leases to core deposits | 83.0789% | 6,155 |
Total domestic deposits to total assets | 87.6085% | 1,965 |
Equity capital to assets | 9.7547% | 4,278 |
Core capital (leverage) ratio | 9.2484% | 4,239 |
Tier 1 risk-based capital ratio | 14.2741% | 3,367 |
Total risk-based capital ratio | 15.3481% | 3,398 |
Memoranda: | ||
Average total assets | $20,151,000 | 7,922 |
Average earning assets | $18,891,670 | 7,888 |
Average equity | $2,075,000 | 7,988 |
Average total loans | $13,571,670 | 7,678 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5912% | 4,412 |
Cost of funding earning assets | 1.8204% | 5,023 |
Net interest margin | 3.7708% | 3,583 |
Noninterest income to average assets | 0.3057% | 5,996 |
Noninterest expense to average assets | 2.9348% | 4,036 |
Loan and lease loss provision to assets | 0.1019% | 5,661 |
Net operating income to assets | 0.8152% | 3,064 |
Return on assets (ROA) | 0.8152% | 3,219 |
Pretax return on assets | 0.8152% | 4,020 |
Return on Equity (ROE) | 7.6979% | 3,284 |
Retained earnings to average equity (ytd only) | -0.1924% | 5,685 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.1905% | 3,456 |
Assets per employee ($millions) | 3.3108% | 5,298 |
Cash dividends to net income (ytd only)* | 102.5000% | 741 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0704% | 5,687 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,590 |
Net loans and leases to total assets | 67.9285% | 4,158 |
Net loans and leases to deposits | 78.2216% | 4,890 |
Net loans and leases to core deposits | 88.0292% | 5,735 |
Total domestic deposits to total assets | 86.8412% | 2,299 |
Equity capital to assets | 10.3750% | 3,585 |
Core capital (leverage) ratio | 9.5362% | 3,936 |
Tier 1 risk-based capital ratio | 14.5999% | 3,256 |
Total risk-based capital ratio | 15.7147% | 3,250 |
Memoranda: | ||
Average total assets | $19,626,500 | 7,990 |
Average earning assets | $18,457,500 | 7,946 |
Average equity | $2,078,500 | 8,039 |
Average total loans | $13,455,500 | 7,727 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2482% | 4,254 |
Cost of funding earning assets | 2.3409% | 4,967 |
Net interest margin | 3.9072% | 3,521 |
Noninterest income to average assets | 0.3685% | 5,756 |
Noninterest expense to average assets | 2.8231% | 4,723 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 1.0846% | 2,206 |
Return on assets (ROA) | 1.0846% | 2,126 |
Pretax return on assets | 1.1313% | 2,913 |
Return on Equity (ROE) | 10.9642% | 1,921 |
Retained earnings to average equity (ytd only) | 5.2985% | 1,859 |
Net charge-offs to loans | 0.0524% | 6,039 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 31.1429% | 1,139 |
Efficiency ratio | 71.3911% | 4,053 |
Assets per employee ($millions) | 3.2313% | 5,392 |
Cash dividends to net income (ytd only)* | 51.6746% | 3,042 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0625% | 5,531 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 67.7223% | 4,509 |
Net loans and leases to deposits | 80.8149% | 4,906 |
Net loans and leases to core deposits | 90.9847% | 5,720 |
Total domestic deposits to total assets | 83.7993% | 3,427 |
Equity capital to assets | 10.8108% | 3,196 |
Core capital (leverage) ratio | 9.6203% | 3,856 |
Tier 1 risk-based capital ratio | 14.8479% | 3,126 |
Total risk-based capital ratio | 15.9578% | 3,120 |
Memoranda: | ||
Average total assets | $19,269,800 | 8,042 |
Average earning assets | $17,685,200 | 8,015 |
Average equity | $1,906,200 | 8,140 |
Average total loans | $13,354,400 | 7,748 |