Home > The First National Bank in Sioux Falls > Performance and Condition Ratios
The First National Bank in Sioux Falls, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7906% | 2,488 |
Cost of funding earning assets | 1.8909% | 1,084 |
Net interest margin | 2.8997% | 3,488 |
Noninterest income to average assets | 1.0300% | 599 |
Noninterest expense to average assets | 2.7997% | 1,499 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.7347% | 3,096 |
Return on assets (ROA) | 0.7316% | 3,086 |
Pretax return on assets | 0.9334% | 2,865 |
Return on Equity (ROE) | 8.4600% | 2,901 |
Retained earnings to average equity (ytd only) | 3.8766% | 3,003 |
Net charge-offs to loans | 0.0401% | 1,513 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 32.6136% | 1,583 |
Efficiency ratio | 74.9175% | 1,358 |
Assets per employee ($millions) | 6.9861% | 2,084 |
Cash dividends to net income (ytd only)* | 54.1724% | 1,438 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5356% | 968 |
Loan loss allowance to noncurrent loans | 836.4720% | 1,018 |
Noncurrent assets plus other real estate owned to assets | 0.1261% | 2,700 |
Noncurrent loans to loans | 0.1836% | 2,596 |
Net loans and leases to total assets | 67.6500% | 2,080 |
Net loans and leases to deposits | 79.7180% | 2,138 |
Net loans and leases to core deposits | 84.8879% | 2,386 |
Total domestic deposits to total assets | 84.8600% | 2,351 |
Equity capital to assets | 8.4706% | 3,075 |
Core capital (leverage) ratio | 10.0377% | 2,752 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.1721% | 1,486 |
Memoranda: | ||
Average total assets | $1,791,862,400 | 628 |
Average earning assets | $1,671,861,200 | 614 |
Average equity | $154,979,400 | 658 |
Average total loans | $1,284,895,000 | 589 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4992% | 2,920 |
Cost of funding earning assets | 1.7188% | 1,153 |
Net interest margin | 2.7804% | 3,759 |
Noninterest income to average assets | 1.0700% | 575 |
Noninterest expense to average assets | 2.8273% | 1,371 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.6457% | 3,438 |
Return on assets (ROA) | 0.6415% | 3,440 |
Pretax return on assets | 0.8309% | 3,265 |
Return on Equity (ROE) | 7.3700% | 3,335 |
Retained earnings to average equity (ytd only) | 3.1882% | 3,466 |
Net charge-offs to loans | 0.0644% | 1,021 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 17.8977% | 1,888 |
Efficiency ratio | 77.1739% | 1,077 |
Assets per employee ($millions) | 6.7382% | 2,147 |
Cash dividends to net income (ytd only)* | 56.7695% | 1,037 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5273% | 1,041 |
Loan loss allowance to noncurrent loans | 200.2473% | 2,500 |
Noncurrent assets plus other real estate owned to assets | 0.5556% | 1,051 |
Noncurrent loans to loans | 0.7627% | 1,089 |
Net loans and leases to total assets | 71.7300% | 1,609 |
Net loans and leases to deposits | 84.3618% | 1,710 |
Net loans and leases to core deposits | 89.3705% | 1,971 |
Total domestic deposits to total assets | 85.0300% | 2,490 |
Equity capital to assets | 8.1738% | 2,948 |
Core capital (leverage) ratio | 10.8373% | 2,109 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9013% | 1,594 |
Memoranda: | ||
Average total assets | $1,757,790,250 | 637 |
Average earning assets | $1,638,556,500 | 627 |
Average equity | $152,892,750 | 662 |
Average total loans | $1,274,923,000 | 593 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4092% | 2,869 |
Cost of funding earning assets | 1.5299% | 1,191 |
Net interest margin | 2.8793% | 3,682 |
Noninterest income to average assets | 1.0900% | 500 |
Noninterest expense to average assets | 2.8779% | 1,263 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 0.6941% | 3,354 |
Return on assets (ROA) | 0.6877% | 3,369 |
Pretax return on assets | 0.8851% | 3,206 |
Return on Equity (ROE) | 7.7400% | 3,304 |
Retained earnings to average equity (ytd only) | 2.5576% | 3,588 |
Net charge-offs to loans | 0.0440% | 1,065 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 28.0072% | 1,587 |
Efficiency ratio | 76.3165% | 1,148 |
Assets per employee ($millions) | 6.4634% | 2,320 |
Cash dividends to net income (ytd only)* | 66.9736% | 811 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5736% | 989 |
Loan loss allowance to noncurrent loans | 189.4073% | 2,662 |
Noncurrent assets plus other real estate owned to assets | 0.6227% | 859 |
Noncurrent loans to loans | 0.8308% | 924 |
Net loans and leases to total assets | 73.7700% | 1,322 |
Net loans and leases to deposits | 85.7328% | 1,521 |
Net loans and leases to core deposits | 89.9202% | 1,803 |
Total domestic deposits to total assets | 86.0400% | 2,215 |
Equity capital to assets | 8.9259% | 2,568 |
Core capital (leverage) ratio | 10.8474% | 2,018 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9874% | 1,580 |
Memoranda: | ||
Average total assets | $1,737,279,000 | 629 |
Average earning assets | $1,619,695,667 | 620 |
Average equity | $154,287,667 | 653 |
Average total loans | $1,258,147,000 | 592 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3286% | 2,731 |
Cost of funding earning assets | 1.2693% | 1,297 |
Net interest margin | 3.0593% | 3,440 |
Noninterest income to average assets | 1.0800% | 514 |
Noninterest expense to average assets | 2.9203% | 1,197 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 0.7858% | 3,239 |
Return on assets (ROA) | 0.7731% | 3,242 |
Pretax return on assets | 0.9923% | 3,018 |
Return on Equity (ROE) | 8.7300% | 3,125 |
Retained earnings to average equity (ytd only) | 0.3908% | 3,964 |
Net charge-offs to loans | -0.0013% | 3,351 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 74.3319% | 1,310 |
Assets per employee ($millions) | 6.3544% | 2,448 |
Cash dividends to net income (ytd only)* | 95.5224% | 477 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6867% | 840 |
Loan loss allowance to noncurrent loans | 174.6797% | 2,805 |
Noncurrent assets plus other real estate owned to assets | 0.7119% | 685 |
Noncurrent loans to loans | 0.9656% | 772 |
Net loans and leases to total assets | 72.4900% | 1,374 |
Net loans and leases to deposits | 81.8303% | 1,668 |
Net loans and leases to core deposits | 85.5663% | 1,892 |
Total domestic deposits to total assets | 88.5800% | 1,707 |
Equity capital to assets | 9.2428% | 2,324 |
Core capital (leverage) ratio | 10.9637% | 1,877 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.4837% | 1,497 |
Memoranda: | ||
Average total assets | $1,733,360,000 | 643 |
Average earning assets | $1,616,053,500 | 632 |
Average equity | $153,547,500 | 670 |
Average total loans | $1,233,255,000 | 612 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5050% | 3,062 |
Cost of funding earning assets | 0.4673% | 1,598 |
Net interest margin | 3.0377% | 3,335 |
Noninterest income to average assets | 1.0700% | 568 |
Noninterest expense to average assets | 2.6485% | 1,684 |
Loan and lease loss provision to assets | 0.0300% | 2,326 |
Net operating income to assets | 0.9572% | 2,739 |
Return on assets (ROA) | 0.9628% | 2,654 |
Pretax return on assets | 1.2758% | 2,180 |
Return on Equity (ROE) | 10.6000% | 2,615 |
Retained earnings to average equity (ytd only) | 4.9509% | 3,075 |
Net charge-offs to loans | -0.0014% | 3,395 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 67.0865% | 2,077 |
Assets per employee ($millions) | 6.5537% | 2,292 |
Cash dividends to net income (ytd only)* | 53.2770% | 1,250 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6962% | 807 |
Loan loss allowance to noncurrent loans | 159.3065% | 2,907 |
Noncurrent assets plus other real estate owned to assets | 0.7318% | 652 |
Noncurrent loans to loans | 1.0648% | 677 |
Net loans and leases to total assets | 67.5600% | 1,877 |
Net loans and leases to deposits | 78.2508% | 1,916 |
Net loans and leases to core deposits | 80.1902% | 2,124 |
Total domestic deposits to total assets | 86.3400% | 2,626 |
Equity capital to assets | 8.4980% | 2,704 |
Core capital (leverage) ratio | 10.3037% | 2,357 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3749% | 1,514 |
Memoranda: | ||
Average total assets | $1,793,890,800 | 610 |
Average earning assets | $1,701,958,200 | 588 |
Average equity | $162,999,800 | 630 |
Average total loans | $1,175,588,800 | 592 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3055% | 3,161 |
Cost of funding earning assets | 0.3026% | 2,132 |
Net interest margin | 3.0029% | 3,209 |
Noninterest income to average assets | 1.0800% | 595 |
Noninterest expense to average assets | 2.5554% | 1,843 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.0469% | 2,291 |
Return on assets (ROA) | 1.0544% | 2,236 |
Pretax return on assets | 1.3943% | 1,734 |
Return on Equity (ROE) | 11.4200% | 2,236 |
Retained earnings to average equity (ytd only) | 6.5925% | 2,523 |
Net charge-offs to loans | -0.0182% | 3,959 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 64.8551% | 2,428 |
Assets per employee ($millions) | 6.6926% | 2,167 |
Cash dividends to net income (ytd only)* | 42.2725% | 1,488 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6996% | 876 |
Loan loss allowance to noncurrent loans | 156.3021% | 2,980 |
Noncurrent assets plus other real estate owned to assets | 0.7577% | 665 |
Noncurrent loans to loans | 1.0874% | 691 |
Net loans and leases to total assets | 68.4900% | 1,618 |
Net loans and leases to deposits | 75.8771% | 1,887 |
Net loans and leases to core deposits | 78.6095% | 2,000 |
Total domestic deposits to total assets | 90.2700% | 1,540 |
Equity capital to assets | 8.5414% | 2,515 |
Core capital (leverage) ratio | 9.8245% | 2,732 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.9644% | 1,438 |
Memoranda: | ||
Average total assets | $1,795,073,750 | 614 |
Average earning assets | $1,711,025,750 | 587 |
Average equity | $165,739,250 | 626 |
Average total loans | $1,162,072,500 | 593 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9829% | 3,598 |
Cost of funding earning assets | 0.1100% | 4,081 |
Net interest margin | 2.8729% | 3,238 |
Noninterest income to average assets | 1.0724% | 579 |
Noninterest expense to average assets | 2.5206% | 1,861 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.9753% | 2,242 |
Return on assets (ROA) | 0.9864% | 2,179 |
Pretax return on assets | 1.3147% | 1,694 |
Return on Equity (ROE) | 10.4362% | 2,181 |
Retained earnings to average equity (ytd only) | 4.3824% | 2,932 |
Net charge-offs to loans | -0.0063% | 3,420 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.9632% | 2,515 |
Assets per employee ($millions) | 7.4716% | 1,630 |
Cash dividends to net income (ytd only)* | 58.0080% | 1,130 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6996% | 959 |
Loan loss allowance to noncurrent loans | 138.5738% | 3,088 |
Noncurrent assets plus other real estate owned to assets | 0.7436% | 710 |
Noncurrent loans to loans | 1.2265% | 650 |
Net loans and leases to total assets | 59.5996% | 2,366 |
Net loans and leases to deposits | 75.9135% | 1,689 |
Net loans and leases to core deposits | 78.2934% | 1,838 |
Total domestic deposits to total assets | 78.5099% | 4,329 |
Equity capital to assets | 7.9179% | 3,186 |
Core capital (leverage) ratio | 10.4797% | 1,960 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.7520% | 1,496 |
Memoranda: | ||
Average total assets | $1,817,868,000 | 597 |
Average earning assets | $1,739,441,667 | 576 |
Average equity | $171,824,667 | 615 |
Average total loans | $1,148,384,333 | 588 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9788% | 3,315 |
Cost of funding earning assets | 0.0512% | 4,595 |
Net interest margin | 2.9276% | 2,742 |
Noninterest income to average assets | 1.1856% | 493 |
Noninterest expense to average assets | 2.6277% | 1,532 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 1.0162% | 1,804 |
Return on assets (ROA) | 1.0162% | 1,799 |
Pretax return on assets | 1.3688% | 1,331 |
Return on Equity (ROE) | 9.8460% | 2,023 |
Retained earnings to average equity (ytd only) | 0.0490% | 4,005 |
Net charge-offs to loans | 0.0021% | 1,744 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | 992.6667% | 85 |
Efficiency ratio | 65.7504% | 2,796 |
Assets per employee ($millions) | 6.6952% | 2,226 |
Cash dividends to net income (ytd only)* | 99.5025% | 519 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7709% | 923 |
Loan loss allowance to noncurrent loans | 142.5439% | 3,033 |
Noncurrent assets plus other real estate owned to assets | 0.8270% | 661 |
Noncurrent loans to loans | 1.2424% | 705 |
Net loans and leases to total assets | 65.3878% | 1,475 |
Net loans and leases to deposits | 73.2057% | 1,675 |
Net loans and leases to core deposits | 75.2333% | 1,827 |
Total domestic deposits to total assets | 89.3207% | 1,914 |
Equity capital to assets | 9.7090% | 2,121 |
Core capital (leverage) ratio | 10.7795% | 1,634 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.2012% | 1,459 |
Memoranda: | ||
Average total assets | $1,740,557,000 | 623 |
Average earning assets | $1,671,130,000 | 601 |
Average equity | $179,647,000 | 601 |
Average total loans | $1,124,615,500 | 595 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3211% | 3,143 |
Cost of funding earning assets | 0.0588% | 4,646 |
Net interest margin | 3.2623% | 2,431 |
Noninterest income to average assets | 1.0899% | 870 |
Noninterest expense to average assets | 2.8161% | 1,322 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 1.0462% | 2,493 |
Return on assets (ROA) | 1.0784% | 2,449 |
Pretax return on assets | 1.4448% | 1,897 |
Return on Equity (ROE) | 9.0601% | 2,888 |
Retained earnings to average equity (ytd only) | 6.0283% | 2,350 |
Net charge-offs to loans | -0.0384% | 4,210 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.7296% | 2,158 |
Assets per employee ($millions) | 6.4017% | 2,410 |
Cash dividends to net income (ytd only)* | 33.4633% | 2,358 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8381% | 813 |
Loan loss allowance to noncurrent loans | 147.3386% | 2,988 |
Noncurrent assets plus other real estate owned to assets | 0.7822% | 773 |
Noncurrent loans to loans | 1.2475% | 771 |
Net loans and leases to total assets | 61.5498% | 1,991 |
Net loans and leases to deposits | 70.0701% | 2,126 |
Net loans and leases to core deposits | 72.3201% | 2,231 |
Total domestic deposits to total assets | 87.8402% | 2,129 |
Equity capital to assets | 10.9196% | 1,836 |
Core capital (leverage) ratio | 10.7879% | 1,700 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.9670% | 1,273 |
Memoranda: | ||
Average total assets | $1,593,951,600 | 651 |
Average earning assets | $1,529,453,200 | 626 |
Average equity | $189,721,000 | 566 |
Average total loans | $1,066,453,800 | 617 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3711% | 3,189 |
Cost of funding earning assets | 0.0600% | 4,736 |
Net interest margin | 3.3111% | 2,388 |
Noninterest income to average assets | 1.0656% | 972 |
Noninterest expense to average assets | 2.8144% | 1,309 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.0535% | 2,717 |
Return on assets (ROA) | 1.0975% | 2,622 |
Pretax return on assets | 1.4811% | 2,045 |
Return on Equity (ROE) | 9.0098% | 3,108 |
Retained earnings to average equity (ytd only) | 6.3650% | 2,667 |
Net charge-offs to loans | -0.0583% | 4,416 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.3810% | 2,048 |
Assets per employee ($millions) | 6.2271% | 2,471 |
Cash dividends to net income (ytd only)* | 29.3551% | 2,110 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8916% | 783 |
Loan loss allowance to noncurrent loans | 105.3932% | 3,347 |
Noncurrent assets plus other real estate owned to assets | 1.1697% | 514 |
Noncurrent loans to loans | 1.7948% | 539 |
Net loans and leases to total assets | 63.9379% | 1,784 |
Net loans and leases to deposits | 73.3967% | 1,916 |
Net loans and leases to core deposits | 75.9600% | 2,050 |
Total domestic deposits to total assets | 87.1127% | 2,311 |
Equity capital to assets | 11.6763% | 1,553 |
Core capital (leverage) ratio | 11.6476% | 1,308 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.7047% | 1,189 |
Memoranda: | ||
Average total assets | $1,552,325,750 | 675 |
Average earning assets | $1,488,101,250 | 648 |
Average equity | $189,092,500 | 575 |
Average total loans | $1,057,105,750 | 635 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2481% | 3,565 |
Cost of funding earning assets | 0.0628% | 4,779 |
Net interest margin | 3.1852% | 2,797 |
Noninterest income to average assets | 1.0874% | 943 |
Noninterest expense to average assets | 2.7840% | 1,389 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 1.0216% | 2,817 |
Return on assets (ROA) | 1.0176% | 2,910 |
Pretax return on assets | 1.3535% | 2,464 |
Return on Equity (ROE) | 8.2300% | 3,339 |
Retained earnings to average equity (ytd only) | 5.0890% | 3,150 |
Net charge-offs to loans | -0.0382% | 4,253 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.2025% | 1,983 |
Assets per employee ($millions) | 5.8695% | 2,741 |
Cash dividends to net income (ytd only)* | 38.1661% | 1,693 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8549% | 803 |
Loan loss allowance to noncurrent loans | 100.5005% | 3,353 |
Noncurrent assets plus other real estate owned to assets | 1.2702% | 516 |
Noncurrent loans to loans | 1.8457% | 556 |
Net loans and leases to total assets | 67.5443% | 1,507 |
Net loans and leases to deposits | 77.7692% | 1,652 |
Net loans and leases to core deposits | 79.4157% | 1,932 |
Total domestic deposits to total assets | 86.8522% | 2,405 |
Equity capital to assets | 12.0634% | 1,332 |
Core capital (leverage) ratio | 11.3430% | 1,393 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.5651% | 1,217 |
Memoranda: | ||
Average total assets | $1,519,710,667 | 680 |
Average earning assets | $1,457,671,333 | 654 |
Average equity | $187,897,000 | 575 |
Average total loans | $1,050,998,667 | 642 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3601% | 3,308 |
Cost of funding earning assets | 0.0626% | 4,818 |
Net interest margin | 3.2975% | 2,400 |
Noninterest income to average assets | 1.0572% | 1,045 |
Noninterest expense to average assets | 2.8071% | 1,354 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.0722% | 2,565 |
Return on assets (ROA) | 1.0722% | 2,646 |
Pretax return on assets | 1.4095% | 2,256 |
Return on Equity (ROE) | 8.5620% | 3,166 |
Retained earnings to average equity (ytd only) | 4.9250% | 3,241 |
Net charge-offs to loans | -0.0317% | 4,198 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.5735% | 2,151 |
Assets per employee ($millions) | 5.6115% | 3,010 |
Cash dividends to net income (ytd only)* | 42.4788% | 1,318 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9090% | 731 |
Loan loss allowance to noncurrent loans | 92.9416% | 3,426 |
Noncurrent assets plus other real estate owned to assets | 1.4498% | 457 |
Noncurrent loans to loans | 2.0540% | 521 |
Net loans and leases to total assets | 69.2369% | 1,388 |
Net loans and leases to deposits | 80.1884% | 1,503 |
Net loans and leases to core deposits | 81.9981% | 1,838 |
Total domestic deposits to total assets | 86.3427% | 2,607 |
Equity capital to assets | 12.5558% | 1,061 |
Core capital (leverage) ratio | 12.0952% | 1,125 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.0114% | 1,069 |
Memoranda: | ||
Average total assets | $1,493,049,000 | 679 |
Average earning assets | $1,430,542,500 | 662 |
Average equity | $186,965,000 | 571 |
Average total loans | $1,035,210,000 | 654 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7123% | 3,548 |
Cost of funding earning assets | 0.2017% | 4,582 |
Net interest margin | 3.5106% | 2,441 |
Noninterest income to average assets | 1.1198% | 847 |
Noninterest expense to average assets | 2.9825% | 1,471 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 1.1429% | 1,753 |
Return on assets (ROA) | 1.1429% | 1,877 |
Pretax return on assets | 1.4937% | 1,350 |
Return on Equity (ROE) | 8.8840% | 2,447 |
Retained earnings to average equity (ytd only) | 5.9268% | 1,827 |
Net charge-offs to loans | -0.0366% | 4,600 |
Credit loss provision to net charge-offs | 0.0000% | 3,264 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.6298% | 2,421 |
Assets per employee ($millions) | 5.6145% | 2,727 |
Cash dividends to net income (ytd only)* | 33.2873% | 2,693 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9401% | 657 |
Loan loss allowance to noncurrent loans | 93.7960% | 3,417 |
Noncurrent assets plus other real estate owned to assets | 1.4087% | 544 |
Noncurrent loans to loans | 2.0684% | 541 |
Net loans and leases to total assets | 66.7843% | 1,979 |
Net loans and leases to deposits | 77.9537% | 2,073 |
Net loans and leases to core deposits | 79.6705% | 2,397 |
Total domestic deposits to total assets | 85.6717% | 2,501 |
Equity capital to assets | 12.4895% | 1,329 |
Core capital (leverage) ratio | 11.6513% | 1,393 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.2416% | 1,010 |
Memoranda: | ||
Average total assets | $1,393,675,200 | 660 |
Average earning assets | $1,332,465,800 | 632 |
Average equity | $179,288,600 | 562 |
Average total loans | $994,550,800 | 644 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7145% | 3,769 |
Cost of funding earning assets | 0.2424% | 4,532 |
Net interest margin | 3.4722% | 2,682 |
Noninterest income to average assets | 1.1442% | 803 |
Noninterest expense to average assets | 2.9630% | 1,520 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 1.1518% | 1,814 |
Return on assets (ROA) | 1.1518% | 1,929 |
Pretax return on assets | 1.5022% | 1,445 |
Return on Equity (ROE) | 8.8822% | 2,444 |
Retained earnings to average equity (ytd only) | 5.4942% | 2,328 |
Net charge-offs to loans | -0.0766% | 4,775 |
Credit loss provision to net charge-offs | 0.0000% | 3,006 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.3570% | 2,423 |
Assets per employee ($millions) | 5.2578% | 2,939 |
Cash dividends to net income (ytd only)* | 38.1441% | 2,008 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8898% | 599 |
Loan loss allowance to noncurrent loans | 83.6269% | 3,512 |
Noncurrent assets plus other real estate owned to assets | 1.6854% | 471 |
Noncurrent loans to loans | 2.2598% | 502 |
Net loans and leases to total assets | 73.1724% | 1,476 |
Net loans and leases to deposits | 88.4834% | 1,431 |
Net loans and leases to core deposits | 90.7370% | 1,905 |
Total domestic deposits to total assets | 82.6961% | 3,225 |
Equity capital to assets | 13.0076% | 1,180 |
Core capital (leverage) ratio | 12.0996% | 1,295 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.8216% | 1,080 |
Memoranda: | ||
Average total assets | $1,365,925,250 | 658 |
Average earning assets | $1,306,473,750 | 626 |
Average equity | $177,129,250 | 561 |
Average total loans | $986,996,750 | 639 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7100% | 4,065 |
Cost of funding earning assets | 0.3086% | 4,449 |
Net interest margin | 3.4014% | 3,098 |
Noninterest income to average assets | 1.0759% | 863 |
Noninterest expense to average assets | 3.0298% | 1,506 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.9992% | 2,333 |
Return on assets (ROA) | 0.9992% | 2,453 |
Pretax return on assets | 1.2975% | 2,036 |
Return on Equity (ROE) | 7.7136% | 2,856 |
Retained earnings to average equity (ytd only) | 3.4692% | 3,193 |
Net charge-offs to loans | -0.1046% | 4,859 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.0161% | 1,955 |
Assets per employee ($millions) | 5.4730% | 2,668 |
Cash dividends to net income (ytd only)* | 55.0253% | 1,388 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9037% | 527 |
Loan loss allowance to noncurrent loans | 79.3303% | 3,534 |
Noncurrent assets plus other real estate owned to assets | 1.8056% | 437 |
Noncurrent loans to loans | 2.3998% | 503 |
Net loans and leases to total assets | 72.2136% | 1,668 |
Net loans and leases to deposits | 86.3298% | 1,726 |
Net loans and leases to core deposits | 88.9091% | 2,167 |
Total domestic deposits to total assets | 83.6485% | 2,868 |
Equity capital to assets | 12.6291% | 1,326 |
Core capital (leverage) ratio | 12.0028% | 1,371 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.5710% | 1,120 |
Memoranda: | ||
Average total assets | $1,346,281,667 | 653 |
Average earning assets | $1,286,944,000 | 619 |
Average equity | $174,392,667 | 567 |
Average total loans | $961,767,667 | 645 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9652% | 3,886 |
Cost of funding earning assets | 0.4325% | 4,228 |
Net interest margin | 3.5327% | 2,876 |
Noninterest income to average assets | 1.3310% | 505 |
Noninterest expense to average assets | 3.5296% | 893 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.8906% | 2,553 |
Return on assets (ROA) | 0.8906% | 2,655 |
Pretax return on assets | 1.1606% | 2,333 |
Return on Equity (ROE) | 6.7823% | 3,035 |
Retained earnings to average equity (ytd only) | 2.1145% | 3,400 |
Net charge-offs to loans | -0.1732% | 4,926 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.2548% | 1,654 |
Assets per employee ($millions) | 4.8875% | 2,770 |
Cash dividends to net income (ytd only)* | 68.8231% | 1,226 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1652% | 396 |
Loan loss allowance to noncurrent loans | 69.6882% | 3,745 |
Noncurrent assets plus other real estate owned to assets | 2.2923% | 321 |
Noncurrent loans to loans | 3.1070% | 334 |
Net loans and leases to total assets | 70.8011% | 2,120 |
Net loans and leases to deposits | 87.5344% | 1,805 |
Net loans and leases to core deposits | 90.9878% | 2,252 |
Total domestic deposits to total assets | 80.8837% | 3,691 |
Equity capital to assets | 13.6607% | 1,157 |
Core capital (leverage) ratio | 12.8110% | 1,280 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.7800% | 1,175 |
Memoranda: | ||
Average total assets | $1,305,194,500 | 639 |
Average earning assets | $1,241,082,500 | 613 |
Average equity | $171,388,500 | 574 |
Average total loans | $916,872,500 | 657 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3235% | 3,472 |
Cost of funding earning assets | 0.6194% | 3,561 |
Net interest margin | 3.7042% | 2,804 |
Noninterest income to average assets | 1.5811% | 372 |
Noninterest expense to average assets | 3.5513% | 902 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.1810% | 2,129 |
Return on assets (ROA) | 1.2042% | 2,134 |
Pretax return on assets | 1.5667% | 1,600 |
Return on Equity (ROE) | 9.2573% | 2,636 |
Retained earnings to average equity (ytd only) | 5.4315% | 2,203 |
Net charge-offs to loans | 0.0127% | 3,235 |
Credit loss provision to net charge-offs | 0.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | 165.1638% | 455 |
Efficiency ratio | 69.7893% | 2,201 |
Assets per employee ($millions) | 5.0552% | 2,510 |
Cash dividends to net income (ytd only)* | 41.3274% | 2,530 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1348% | 374 |
Loan loss allowance to noncurrent loans | 101.0407% | 3,276 |
Noncurrent assets plus other real estate owned to assets | 1.4833% | 688 |
Noncurrent loans to loans | 2.1128% | 595 |
Net loans and leases to total assets | 66.7802% | 2,861 |
Net loans and leases to deposits | 77.8662% | 3,022 |
Net loans and leases to core deposits | 84.0480% | 2,946 |
Total domestic deposits to total assets | 85.7628% | 2,154 |
Equity capital to assets | 12.6290% | 1,751 |
Core capital (leverage) ratio | 13.0704% | 1,206 |
Tier 1 risk-based capital ratio | 16.5233% | 2,208 |
Total risk-based capital ratio | 17.7832% | 2,150 |
Memoranda: | ||
Average total assets | $1,246,260,800 | 635 |
Average earning assets | $1,180,101,600 | 613 |
Average equity | $162,109,600 | 575 |
Average total loans | $916,294,600 | 632 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4267% | 3,273 |
Cost of funding earning assets | 0.6713% | 3,347 |
Net interest margin | 3.7555% | 2,733 |
Noninterest income to average assets | 1.5438% | 382 |
Noninterest expense to average assets | 3.5378% | 910 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.1954% | 2,206 |
Return on assets (ROA) | 1.2002% | 2,273 |
Pretax return on assets | 1.5651% | 1,763 |
Return on Equity (ROE) | 9.1536% | 2,826 |
Retained earnings to average equity (ytd only) | 5.1614% | 2,812 |
Net charge-offs to loans | -0.0574% | 4,867 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.4111% | 2,202 |
Assets per employee ($millions) | 4.6081% | 3,041 |
Cash dividends to net income (ytd only)* | 43.6137% | 1,994 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1699% | 347 |
Loan loss allowance to noncurrent loans | 105.0239% | 3,237 |
Noncurrent assets plus other real estate owned to assets | 1.5616% | 685 |
Noncurrent loans to loans | 2.0661% | 643 |
Net loans and leases to total assets | 73.9387% | 1,830 |
Net loans and leases to deposits | 90.4029% | 1,646 |
Net loans and leases to core deposits | 98.2848% | 1,801 |
Total domestic deposits to total assets | 81.7880% | 3,535 |
Equity capital to assets | 13.7607% | 1,250 |
Core capital (leverage) ratio | 13.2221% | 1,248 |
Tier 1 risk-based capital ratio | 16.2317% | 2,357 |
Total risk-based capital ratio | 17.4922% | 2,281 |
Memoranda: | ||
Average total assets | $1,222,917,500 | 647 |
Average earning assets | $1,157,008,250 | 627 |
Average equity | $160,341,250 | 582 |
Average total loans | $916,837,000 | 633 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2631% | 3,753 |
Cost of funding earning assets | 0.6530% | 3,395 |
Net interest margin | 3.6101% | 3,220 |
Noninterest income to average assets | 1.3795% | 458 |
Noninterest expense to average assets | 3.5413% | 914 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 0.9711% | 3,024 |
Return on assets (ROA) | 0.9782% | 3,070 |
Pretax return on assets | 1.2667% | 2,689 |
Return on Equity (ROE) | 7.5855% | 3,462 |
Retained earnings to average equity (ytd only) | 3.2743% | 3,587 |
Net charge-offs to loans | -0.0798% | 4,958 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.7925% | 1,668 |
Assets per employee ($millions) | 4.5962% | 3,010 |
Cash dividends to net income (ytd only)* | 56.8349% | 1,504 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1354% | 368 |
Loan loss allowance to noncurrent loans | 98.2267% | 3,360 |
Noncurrent assets plus other real estate owned to assets | 1.6652% | 638 |
Noncurrent loans to loans | 2.1739% | 623 |
Net loans and leases to total assets | 74.9621% | 1,730 |
Net loans and leases to deposits | 89.1484% | 1,838 |
Net loans and leases to core deposits | 96.6239% | 2,008 |
Total domestic deposits to total assets | 84.0869% | 2,821 |
Equity capital to assets | 13.2607% | 1,463 |
Core capital (leverage) ratio | 12.9559% | 1,315 |
Tier 1 risk-based capital ratio | 15.9534% | 2,434 |
Total risk-based capital ratio | 17.2139% | 2,373 |
Memoranda: | ||
Average total assets | $1,223,504,330 | 647 |
Average earning assets | $1,158,926,670 | 626 |
Average equity | $157,775,000 | 587 |
Average total loans | $914,804,330 | 627 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1078% | 4,104 |
Cost of funding earning assets | 0.6403% | 3,355 |
Net interest margin | 3.4675% | 3,691 |
Noninterest income to average assets | 1.3553% | 465 |
Noninterest expense to average assets | 3.5648% | 880 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.8330% | 3,505 |
Return on assets (ROA) | 0.8330% | 3,545 |
Pretax return on assets | 1.0700% | 3,240 |
Return on Equity (ROE) | 6.5526% | 3,822 |
Retained earnings to average equity (ytd only) | 1.4113% | 4,219 |
Net charge-offs to loans | 0.0305% | 1,842 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | 47.4493% | 1,055 |
Efficiency ratio | 76.9144% | 1,389 |
Assets per employee ($millions) | 4.5713% | 3,089 |
Cash dividends to net income (ytd only)* | 78.4621% | 960 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1365% | 397 |
Loan loss allowance to noncurrent loans | 75.4416% | 3,776 |
Noncurrent assets plus other real estate owned to assets | 2.1568% | 417 |
Noncurrent loans to loans | 2.8320% | 413 |
Net loans and leases to total assets | 74.5298% | 1,712 |
Net loans and leases to deposits | 87.2237% | 1,968 |
Net loans and leases to core deposits | 93.0554% | 2,205 |
Total domestic deposits to total assets | 85.4467% | 2,507 |
Equity capital to assets | 13.1110% | 1,390 |
Core capital (leverage) ratio | 13.1061% | 1,221 |
Tier 1 risk-based capital ratio | 15.9124% | 2,482 |
Total risk-based capital ratio | 17.1726% | 2,408 |
Memoranda: | ||
Average total assets | $1,223,968,500 | 652 |
Average earning assets | $1,157,593,500 | 635 |
Average equity | $155,601,500 | 587 |
Average total loans | $903,973,500 | 639 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0686% | 3,844 |
Cost of funding earning assets | 0.4200% | 3,861 |
Net interest margin | 3.6485% | 3,229 |
Noninterest income to average assets | 1.5301% | 395 |
Noninterest expense to average assets | 3.6177% | 849 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 1.0474% | 2,814 |
Return on assets (ROA) | 1.0539% | 2,773 |
Pretax return on assets | 1.3672% | 2,250 |
Return on Equity (ROE) | 8.3313% | 3,307 |
Retained earnings to average equity (ytd only) | 5.1274% | 2,701 |
Net charge-offs to loans | -0.0031% | 4,287 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.6919% | 1,812 |
Assets per employee ($millions) | 4.6830% | 2,903 |
Cash dividends to net income (ytd only)* | 38.4560% | 2,614 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1999% | 330 |
Loan loss allowance to noncurrent loans | 138.1492% | 2,864 |
Noncurrent assets plus other real estate owned to assets | 1.1407% | 1,163 |
Noncurrent loans to loans | 1.5924% | 922 |
Net loans and leases to total assets | 70.0593% | 2,554 |
Net loans and leases to deposits | 81.5570% | 2,790 |
Net loans and leases to core deposits | 87.5767% | 2,783 |
Total domestic deposits to total assets | 85.9022% | 2,284 |
Equity capital to assets | 12.3286% | 1,677 |
Core capital (leverage) ratio | 12.7340% | 1,357 |
Tier 1 risk-based capital ratio | 16.2125% | 2,339 |
Total risk-based capital ratio | 17.4735% | 2,279 |
Memoranda: | ||
Average total assets | $1,182,420,800 | 647 |
Average earning assets | $1,117,031,200 | 632 |
Average equity | $149,569,200 | 571 |
Average total loans | $874,547,600 | 636 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0175% | 3,874 |
Cost of funding earning assets | 0.3868% | 3,961 |
Net interest margin | 3.6308% | 3,265 |
Noninterest income to average assets | 1.5034% | 424 |
Noninterest expense to average assets | 3.6404% | 806 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.0126% | 3,031 |
Return on assets (ROA) | 1.0208% | 3,014 |
Pretax return on assets | 1.3076% | 2,595 |
Return on Equity (ROE) | 8.0159% | 3,544 |
Retained earnings to average equity (ytd only) | 5.1522% | 3,154 |
Net charge-offs to loans | -0.0587% | 4,991 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.7287% | 1,635 |
Assets per employee ($millions) | 4.6164% | 2,962 |
Cash dividends to net income (ytd only)* | 35.7255% | 2,271 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2192% | 351 |
Loan loss allowance to noncurrent loans | 84.8747% | 3,725 |
Noncurrent assets plus other real estate owned to assets | 1.9697% | 543 |
Noncurrent loans to loans | 2.6147% | 483 |
Net loans and leases to total assets | 73.6587% | 2,046 |
Net loans and leases to deposits | 92.7611% | 1,525 |
Net loans and leases to core deposits | 100.4091% | 1,748 |
Total domestic deposits to total assets | 79.4070% | 4,232 |
Equity capital to assets | 12.5452% | 1,555 |
Core capital (leverage) ratio | 12.9307% | 1,311 |
Tier 1 risk-based capital ratio | 15.8071% | 2,526 |
Total risk-based capital ratio | 17.0682% | 2,456 |
Memoranda: | ||
Average total assets | $1,166,604,500 | 654 |
Average earning assets | $1,103,470,000 | 640 |
Average equity | $148,567,500 | 572 |
Average total loans | $870,097,000 | 634 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8273% | 4,280 |
Cost of funding earning assets | 0.3141% | 4,319 |
Net interest margin | 3.5132% | 3,589 |
Noninterest income to average assets | 1.5097% | 424 |
Noninterest expense to average assets | 3.6198% | 849 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.9486% | 3,244 |
Return on assets (ROA) | 0.9626% | 3,183 |
Pretax return on assets | 1.2295% | 2,823 |
Return on Equity (ROE) | 7.5197% | 3,715 |
Retained earnings to average equity (ytd only) | 4.2919% | 3,457 |
Net charge-offs to loans | -0.0670% | 5,022 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.9186% | 1,578 |
Assets per employee ($millions) | 4.5783% | 2,998 |
Cash dividends to net income (ytd only)* | 42.9239% | 1,984 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2310% | 352 |
Loan loss allowance to noncurrent loans | 62.6472% | 4,151 |
Noncurrent assets plus other real estate owned to assets | 2.6473% | 312 |
Noncurrent loans to loans | 3.5612% | 271 |
Net loans and leases to total assets | 72.6775% | 2,172 |
Net loans and leases to deposits | 89.6622% | 1,887 |
Net loans and leases to core deposits | 96.7670% | 1,986 |
Total domestic deposits to total assets | 81.0571% | 3,979 |
Equity capital to assets | 12.3895% | 1,601 |
Core capital (leverage) ratio | 12.9434% | 1,246 |
Tier 1 risk-based capital ratio | 15.7712% | 2,528 |
Total risk-based capital ratio | 17.0325% | 2,466 |
Memoranda: | ||
Average total assets | $1,156,926,670 | 663 |
Average earning assets | $1,093,933,330 | 645 |
Average equity | $148,091,670 | 570 |
Average total loans | $859,902,670 | 640 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7672% | 4,306 |
Cost of funding earning assets | 0.2804% | 4,504 |
Net interest margin | 3.4868% | 3,578 |
Noninterest income to average assets | 1.5188% | 421 |
Noninterest expense to average assets | 3.7043% | 754 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.8730% | 3,405 |
Return on assets (ROA) | 0.9013% | 3,289 |
Pretax return on assets | 1.1483% | 2,973 |
Return on Equity (ROE) | 6.9241% | 3,817 |
Retained earnings to average equity (ytd only) | 2.6219% | 4,128 |
Net charge-offs to loans | -0.1711% | 5,345 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.9068% | 1,473 |
Assets per employee ($millions) | 4.3984% | 3,324 |
Cash dividends to net income (ytd only)* | 62.1336% | 1,207 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3392% | 308 |
Loan loss allowance to noncurrent loans | 58.9576% | 4,259 |
Noncurrent assets plus other real estate owned to assets | 2.9613% | 273 |
Noncurrent loans to loans | 3.9677% | 253 |
Net loans and leases to total assets | 72.8906% | 2,041 |
Net loans and leases to deposits | 89.3314% | 1,774 |
Net loans and leases to core deposits | 96.2780% | 1,956 |
Total domestic deposits to total assets | 81.5957% | 4,068 |
Equity capital to assets | 12.8502% | 1,318 |
Core capital (leverage) ratio | 13.1787% | 1,114 |
Tier 1 risk-based capital ratio | 16.1832% | 2,396 |
Total risk-based capital ratio | 17.4458% | 2,344 |
Memoranda: | ||
Average total assets | $1,135,638,000 | 678 |
Average earning assets | $1,074,115,500 | 659 |
Average equity | $147,831,500 | 571 |
Average total loans | $844,022,500 | 648 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6466% | 4,460 |
Cost of funding earning assets | 0.2331% | 4,704 |
Net interest margin | 3.4135% | 3,805 |
Noninterest income to average assets | 1.5253% | 458 |
Noninterest expense to average assets | 3.5473% | 962 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.5956% | 4,027 |
Return on assets (ROA) | 0.5963% | 4,068 |
Pretax return on assets | 1.2087% | 2,741 |
Return on Equity (ROE) | 4.6000% | 4,318 |
Retained earnings to average equity (ytd only) | 1.7709% | 4,254 |
Net charge-offs to loans | 0.0757% | 2,368 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | 22.3441% | 1,856 |
Efficiency ratio | 74.6024% | 1,807 |
Assets per employee ($millions) | 4.1613% | 3,717 |
Cash dividends to net income (ytd only)* | 61.5024% | 1,682 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3492% | 296 |
Loan loss allowance to noncurrent loans | 60.7380% | 4,264 |
Noncurrent assets plus other real estate owned to assets | 2.8623% | 293 |
Noncurrent loans to loans | 3.8678% | 254 |
Net loans and leases to total assets | 72.2634% | 2,188 |
Net loans and leases to deposits | 86.4680% | 2,202 |
Net loans and leases to core deposits | 92.1165% | 2,370 |
Total domestic deposits to total assets | 83.5724% | 3,365 |
Equity capital to assets | 13.1871% | 1,174 |
Core capital (leverage) ratio | 12.7835% | 1,223 |
Tier 1 risk-based capital ratio | 15.5297% | 2,614 |
Total risk-based capital ratio | 16.7910% | 2,547 |
Memoranda: | ||
Average total assets | $1,145,279,600 | 648 |
Average earning assets | $1,083,604,200 | 630 |
Average equity | $148,457,600 | 548 |
Average total loans | $817,305,400 | 646 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6027% | 4,551 |
Cost of funding earning assets | 0.2325% | 4,726 |
Net interest margin | 3.3702% | 3,948 |
Noninterest income to average assets | 1.4847% | 490 |
Noninterest expense to average assets | 3.5554% | 912 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.7653% | 3,667 |
Return on assets (ROA) | 0.7662% | 3,718 |
Pretax return on assets | 1.1203% | 3,231 |
Return on Equity (ROE) | 5.9363% | 4,157 |
Retained earnings to average equity (ytd only) | 3.3756% | 3,917 |
Net charge-offs to loans | -0.0216% | 4,876 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.0625% | 1,578 |
Assets per employee ($millions) | 4.2570% | 3,552 |
Cash dividends to net income (ytd only)* | 43.1361% | 2,118 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4445% | 282 |
Loan loss allowance to noncurrent loans | 60.7569% | 4,326 |
Noncurrent assets plus other real estate owned to assets | 2.9367% | 311 |
Noncurrent loans to loans | 4.0234% | 240 |
Net loans and leases to total assets | 71.2064% | 2,376 |
Net loans and leases to deposits | 87.6747% | 2,106 |
Net loans and leases to core deposits | 97.5076% | 1,925 |
Total domestic deposits to total assets | 81.2166% | 3,991 |
Equity capital to assets | 13.2517% | 1,274 |
Core capital (leverage) ratio | 13.0027% | 1,206 |
Tier 1 risk-based capital ratio | 15.5571% | 2,688 |
Total risk-based capital ratio | 16.8192% | 2,624 |
Memoranda: | ||
Average total assets | $1,149,673,250 | 651 |
Average earning assets | $1,088,044,750 | 628 |
Average equity | $148,394,000 | 552 |
Average total loans | $813,001,000 | 648 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5482% | 4,638 |
Cost of funding earning assets | 0.2128% | 4,862 |
Net interest margin | 3.3354% | 3,996 |
Noninterest income to average assets | 1.4624% | 504 |
Noninterest expense to average assets | 3.4952% | 1,018 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.7687% | 3,553 |
Return on assets (ROA) | 0.7701% | 3,595 |
Pretax return on assets | 1.1300% | 3,053 |
Return on Equity (ROE) | 6.0191% | 4,039 |
Retained earnings to average equity (ytd only) | 3.1710% | 3,826 |
Net charge-offs to loans | -0.0357% | 5,030 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.6033% | 1,788 |
Assets per employee ($millions) | 4.3893% | 3,289 |
Cash dividends to net income (ytd only)* | 47.3186% | 1,978 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4633% | 293 |
Loan loss allowance to noncurrent loans | 59.8004% | 4,376 |
Noncurrent assets plus other real estate owned to assets | 2.9282% | 319 |
Noncurrent loans to loans | 4.1193% | 223 |
Net loans and leases to total assets | 69.3350% | 2,613 |
Net loans and leases to deposits | 84.1684% | 2,448 |
Net loans and leases to core deposits | 94.6717% | 2,094 |
Total domestic deposits to total assets | 82.3765% | 3,777 |
Equity capital to assets | 12.9068% | 1,416 |
Core capital (leverage) ratio | 12.6343% | 1,324 |
Tier 1 risk-based capital ratio | 15.6318% | 2,650 |
Total risk-based capital ratio | 16.8943% | 2,579 |
Memoranda: | ||
Average total assets | $1,152,603,000 | 650 |
Average earning assets | $1,092,210,000 | 631 |
Average equity | $147,463,330 | 554 |
Average total loans | $806,422,000 | 654 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4928% | 4,712 |
Cost of funding earning assets | 0.1954% | 5,016 |
Net interest margin | 3.2974% | 4,015 |
Noninterest income to average assets | 1.4162% | 534 |
Noninterest expense to average assets | 3.5087% | 1,027 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.6999% | 3,702 |
Return on assets (ROA) | 0.7018% | 3,732 |
Pretax return on assets | 1.0288% | 3,241 |
Return on Equity (ROE) | 5.5101% | 4,142 |
Retained earnings to average equity (ytd only) | 2.2254% | 4,254 |
Net charge-offs to loans | -0.0176% | 4,675 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.3737% | 1,711 |
Assets per employee ($millions) | 4.3066% | 3,497 |
Cash dividends to net income (ytd only)* | 59.6125% | 1,440 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5261% | 303 |
Loan loss allowance to noncurrent loans | 84.1985% | 3,917 |
Noncurrent assets plus other real estate owned to assets | 2.1163% | 605 |
Noncurrent loans to loans | 3.0001% | 461 |
Net loans and leases to total assets | 68.7578% | 2,563 |
Net loans and leases to deposits | 81.7456% | 2,544 |
Net loans and leases to core deposits | 92.4591% | 2,122 |
Total domestic deposits to total assets | 84.1120% | 3,440 |
Equity capital to assets | 12.9450% | 1,276 |
Core capital (leverage) ratio | 12.9090% | 1,181 |
Tier 1 risk-based capital ratio | 16.0087% | 2,545 |
Total risk-based capital ratio | 17.2721% | 2,492 |
Memoranda: | ||
Average total assets | $1,147,325,000 | 656 |
Average earning assets | $1,085,082,000 | 638 |
Average equity | $146,131,500 | 552 |
Average total loans | $796,211,000 | 662 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5960% | 4,513 |
Cost of funding earning assets | 0.1909% | 5,099 |
Net interest margin | 3.4051% | 3,808 |
Noninterest income to average assets | 1.4408% | 556 |
Noninterest expense to average assets | 3.4568% | 1,238 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.7742% | 3,431 |
Return on assets (ROA) | 0.7957% | 3,424 |
Pretax return on assets | 1.1479% | 2,906 |
Return on Equity (ROE) | 6.0369% | 3,963 |
Retained earnings to average equity (ytd only) | 3.2253% | 3,619 |
Net charge-offs to loans | -0.0118% | 4,978 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.5821% | 2,047 |
Assets per employee ($millions) | 4.1795% | 3,650 |
Cash dividends to net income (ytd only)* | 46.5735% | 2,491 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5586% | 287 |
Loan loss allowance to noncurrent loans | 98.2558% | 3,666 |
Noncurrent assets plus other real estate owned to assets | 1.7779% | 837 |
Noncurrent loans to loans | 2.6040% | 588 |
Net loans and leases to total assets | 66.5282% | 2,998 |
Net loans and leases to deposits | 80.3188% | 2,854 |
Net loans and leases to core deposits | 88.1942% | 2,647 |
Total domestic deposits to total assets | 82.8302% | 3,823 |
Equity capital to assets | 12.5322% | 1,507 |
Core capital (leverage) ratio | 12.3767% | 1,392 |
Tier 1 risk-based capital ratio | 15.9362% | 2,574 |
Total risk-based capital ratio | 17.1995% | 2,501 |
Memoranda: | ||
Average total assets | $1,133,349,200 | 632 |
Average earning assets | $1,042,729,200 | 632 |
Average equity | $149,381,400 | 531 |
Average total loans | $782,954,200 | 639 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6323% | 4,460 |
Cost of funding earning assets | 0.1923% | 5,151 |
Net interest margin | 3.4401% | 3,703 |
Noninterest income to average assets | 1.4346% | 580 |
Noninterest expense to average assets | 3.4901% | 1,169 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.7615% | 3,554 |
Return on assets (ROA) | 0.7907% | 3,550 |
Pretax return on assets | 1.1312% | 3,109 |
Return on Equity (ROE) | 5.9241% | 4,101 |
Retained earnings to average equity (ytd only) | 3.2656% | 3,949 |
Net charge-offs to loans | -0.0145% | 4,899 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.2106% | 1,944 |
Assets per employee ($millions) | 4.1091% | 3,771 |
Cash dividends to net income (ytd only)* | 44.8766% | 2,130 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5477% | 320 |
Loan loss allowance to noncurrent loans | 92.4332% | 3,781 |
Noncurrent assets plus other real estate owned to assets | 1.9787% | 791 |
Noncurrent loans to loans | 2.7562% | 592 |
Net loans and leases to total assets | 69.9621% | 2,491 |
Net loans and leases to deposits | 85.5466% | 2,309 |
Net loans and leases to core deposits | 95.6828% | 2,029 |
Total domestic deposits to total assets | 81.7824% | 4,011 |
Equity capital to assets | 13.4904% | 1,251 |
Core capital (leverage) ratio | 12.9101% | 1,223 |
Tier 1 risk-based capital ratio | 15.9252% | 2,658 |
Total risk-based capital ratio | 17.1885% | 2,588 |
Memoranda: | ||
Average total assets | $1,127,259,250 | 636 |
Average earning assets | $1,030,571,750 | 641 |
Average equity | $150,455,250 | 528 |
Average total loans | $781,086,000 | 641 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7003% | 4,301 |
Cost of funding earning assets | 0.1919% | 5,223 |
Net interest margin | 3.5084% | 3,459 |
Noninterest income to average assets | 1.4097% | 581 |
Noninterest expense to average assets | 3.4798% | 1,202 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.7815% | 3,395 |
Return on assets (ROA) | 0.7910% | 3,492 |
Pretax return on assets | 1.1151% | 3,136 |
Return on Equity (ROE) | 5.9469% | 4,075 |
Retained earnings to average equity (ytd only) | 2.7660% | 4,136 |
Net charge-offs to loans | -0.0142% | 4,815 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.9523% | 2,087 |
Assets per employee ($millions) | 4.3590% | 3,285 |
Cash dividends to net income (ytd only)* | 53.4879% | 1,809 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5405% | 346 |
Loan loss allowance to noncurrent loans | 164.5098% | 2,676 |
Noncurrent assets plus other real estate owned to assets | 1.0704% | 1,986 |
Noncurrent loans to loans | 1.5443% | 1,396 |
Net loans and leases to total assets | 67.5515% | 2,856 |
Net loans and leases to deposits | 83.5680% | 2,519 |
Net loans and leases to core deposits | 93.0301% | 2,255 |
Total domestic deposits to total assets | 80.8342% | 4,322 |
Equity capital to assets | 13.3448% | 1,306 |
Core capital (leverage) ratio | 12.6567% | 1,278 |
Tier 1 risk-based capital ratio | 16.4996% | 2,428 |
Total risk-based capital ratio | 17.7632% | 2,369 |
Memoranda: | ||
Average total assets | $1,134,562,330 | 638 |
Average earning assets | $1,025,697,670 | 640 |
Average equity | $150,901,670 | 525 |
Average total loans | $776,933,670 | 644 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8217% | 3,866 |
Cost of funding earning assets | 0.2041% | 5,162 |
Net interest margin | 3.6177% | 3,013 |
Noninterest income to average assets | 1.3751% | 587 |
Noninterest expense to average assets | 3.4665% | 1,243 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.8050% | 3,219 |
Return on assets (ROA) | 0.8034% | 3,341 |
Pretax return on assets | 1.1235% | 2,998 |
Return on Equity (ROE) | 6.0510% | 3,961 |
Retained earnings to average equity (ytd only) | 1.2465% | 4,755 |
Net charge-offs to loans | 0.0385% | 2,222 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 42.9189% | 971 |
Efficiency ratio | 75.4882% | 2,256 |
Assets per employee ($millions) | 4.1973% | 3,595 |
Cash dividends to net income (ytd only)* | 79.4001% | 1,008 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5913% | 358 |
Loan loss allowance to noncurrent loans | 561.5342% | 918 |
Noncurrent assets plus other real estate owned to assets | 0.3187% | 4,293 |
Noncurrent loans to loans | 0.4615% | 3,792 |
Net loans and leases to total assets | 67.2792% | 2,764 |
Net loans and leases to deposits | 81.9242% | 2,550 |
Net loans and leases to core deposits | 90.7305% | 2,304 |
Total domestic deposits to total assets | 82.1237% | 4,186 |
Equity capital to assets | 13.4419% | 1,201 |
Core capital (leverage) ratio | 12.8242% | 1,225 |
Tier 1 risk-based capital ratio | 17.0854% | 2,259 |
Total risk-based capital ratio | 18.3504% | 2,218 |
Memoranda: | ||
Average total assets | $1,128,635,500 | 642 |
Average earning assets | $1,003,624,000 | 657 |
Average equity | $149,859,000 | 526 |
Average total loans | $768,096,500 | 652 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0747% | 3,021 |
Cost of funding earning assets | 0.2411% | 4,876 |
Net interest margin | 3.8335% | 2,262 |
Noninterest income to average assets | 1.4870% | 561 |
Noninterest expense to average assets | 3.3830% | 1,524 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.0854% | 1,988 |
Return on assets (ROA) | 1.0961% | 2,015 |
Pretax return on assets | 1.6431% | 1,130 |
Return on Equity (ROE) | 8.1322% | 2,885 |
Retained earnings to average equity (ytd only) | 5.5911% | 2,021 |
Net charge-offs to loans | -0.1499% | 5,893 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.5237% | 3,662 |
Assets per employee ($millions) | 4.5463% | 2,968 |
Cash dividends to net income (ytd only)* | 31.2474% | 3,280 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6415% | 342 |
Loan loss allowance to noncurrent loans | 2,750.2732% | 256 |
Noncurrent assets plus other real estate owned to assets | 0.0644% | 5,385 |
Noncurrent loans to loans | 0.0960% | 5,112 |
Net loans and leases to total assets | 65.2845% | 3,085 |
Net loans and leases to deposits | 79.1677% | 2,925 |
Net loans and leases to core deposits | 88.4463% | 2,560 |
Total domestic deposits to total assets | 82.4635% | 4,031 |
Equity capital to assets | 13.1162% | 1,293 |
Core capital (leverage) ratio | 12.7833% | 1,231 |
Tier 1 risk-based capital ratio | 17.1861% | 2,225 |
Total risk-based capital ratio | 18.4514% | 2,171 |
Memoranda: | ||
Average total assets | $1,086,091,800 | 646 |
Average earning assets | $998,170,400 | 639 |
Average equity | $146,393,200 | 519 |
Average total loans | $764,653,200 | 608 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0008% | 3,341 |
Cost of funding earning assets | 0.2498% | 4,881 |
Net interest margin | 3.7510% | 2,558 |
Noninterest income to average assets | 1.4520% | 583 |
Noninterest expense to average assets | 3.3600% | 1,559 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.0553% | 2,194 |
Return on assets (ROA) | 1.0698% | 2,225 |
Pretax return on assets | 1.5974% | 1,389 |
Return on Equity (ROE) | 7.8805% | 3,145 |
Retained earnings to average equity (ytd only) | 5.5748% | 2,538 |
Net charge-offs to loans | -0.0789% | 5,704 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.0742% | 3,522 |
Assets per employee ($millions) | 4.2252% | 3,468 |
Cash dividends to net income (ytd only)* | 29.2581% | 2,842 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5878% | 390 |
Loan loss allowance to noncurrent loans | 937.2710% | 621 |
Noncurrent assets plus other real estate owned to assets | 0.1933% | 4,977 |
Noncurrent loans to loans | 0.2761% | 4,588 |
Net loans and leases to total assets | 68.1822% | 2,652 |
Net loans and leases to deposits | 82.7854% | 2,556 |
Net loans and leases to core deposits | 93.8619% | 2,090 |
Total domestic deposits to total assets | 82.3601% | 4,046 |
Equity capital to assets | 13.7586% | 1,121 |
Core capital (leverage) ratio | 13.3260% | 1,079 |
Tier 1 risk-based capital ratio | 17.6109% | 2,153 |
Total risk-based capital ratio | 18.8764% | 2,108 |
Memoranda: | ||
Average total assets | $1,073,470,000 | 658 |
Average earning assets | $996,998,750 | 648 |
Average equity | $145,722,500 | 522 |
Average total loans | $765,281,000 | 609 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0068% | 3,262 |
Cost of funding earning assets | 0.2509% | 4,928 |
Net interest margin | 3.7559% | 2,495 |
Noninterest income to average assets | 1.4524% | 605 |
Noninterest expense to average assets | 3.3755% | 1,518 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.0651% | 2,079 |
Return on assets (ROA) | 1.0869% | 2,093 |
Pretax return on assets | 1.6225% | 1,273 |
Return on Equity (ROE) | 8.0426% | 3,026 |
Retained earnings to average equity (ytd only) | 5.3958% | 2,602 |
Net charge-offs to loans | -0.0932% | 5,765 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.9785% | 3,671 |
Assets per employee ($millions) | 4.2772% | 3,343 |
Cash dividends to net income (ytd only)* | 32.9105% | 2,701 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4830% | 496 |
Loan loss allowance to noncurrent loans | 658.8896% | 808 |
Noncurrent assets plus other real estate owned to assets | 0.3517% | 4,481 |
Noncurrent loans to loans | 0.3768% | 4,356 |
Net loans and leases to total assets | 70.7685% | 2,198 |
Net loans and leases to deposits | 87.1591% | 1,923 |
Net loans and leases to core deposits | 98.2555% | 1,631 |
Total domestic deposits to total assets | 81.1946% | 4,550 |
Equity capital to assets | 13.4641% | 1,187 |
Core capital (leverage) ratio | 12.9997% | 1,168 |
Tier 1 risk-based capital ratio | 16.8900% | 2,449 |
Total risk-based capital ratio | 18.1543% | 2,397 |
Memoranda: | ||
Average total assets | $1,073,557,000 | 659 |
Average earning assets | $1,004,190,670 | 645 |
Average equity | $145,077,000 | 526 |
Average total loans | $769,982,670 | 608 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7149% | 4,312 |
Cost of funding earning assets | 0.2761% | 4,711 |
Net interest margin | 3.4388% | 3,675 |
Noninterest income to average assets | 1.4319% | 571 |
Noninterest expense to average assets | 3.3750% | 1,542 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.8706% | 2,895 |
Return on assets (ROA) | 0.9147% | 2,801 |
Pretax return on assets | 1.3514% | 2,066 |
Return on Equity (ROE) | 6.7565% | 3,628 |
Retained earnings to average equity (ytd only) | 3.1237% | 4,110 |
Net charge-offs to loans | -0.0820% | 5,762 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.4003% | 3,107 |
Assets per employee ($millions) | 4.2524% | 3,459 |
Cash dividends to net income (ytd only)* | 53.7678% | 1,599 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5207% | 516 |
Loan loss allowance to noncurrent loans | 356.5468% | 1,352 |
Noncurrent assets plus other real estate owned to assets | 0.5888% | 3,714 |
Noncurrent loans to loans | 0.7070% | 3,505 |
Net loans and leases to total assets | 70.1964% | 2,115 |
Net loans and leases to deposits | 86.0547% | 1,823 |
Net loans and leases to core deposits | 96.6557% | 1,575 |
Total domestic deposits to total assets | 81.5719% | 4,649 |
Equity capital to assets | 13.8600% | 1,030 |
Core capital (leverage) ratio | 13.3021% | 1,050 |
Tier 1 risk-based capital ratio | 17.1145% | 2,438 |
Total risk-based capital ratio | 18.3791% | 2,389 |
Memoranda: | ||
Average total assets | $1,073,547,500 | 659 |
Average earning assets | $1,008,255,000 | 637 |
Average equity | $145,342,000 | 525 |
Average total loans | $765,424,500 | 605 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8255% | 4,410 |
Cost of funding earning assets | 0.4141% | 3,555 |
Net interest margin | 3.4114% | 4,152 |
Noninterest income to average assets | 1.4326% | 592 |
Noninterest expense to average assets | 3.3264% | 1,863 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.9300% | 2,725 |
Return on assets (ROA) | 0.9242% | 2,850 |
Pretax return on assets | 1.2917% | 2,268 |
Return on Equity (ROE) | 6.8630% | 3,711 |
Retained earnings to average equity (ytd only) | 4.9922% | 2,604 |
Net charge-offs to loans | -0.0413% | 5,871 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.9048% | 3,223 |
Assets per employee ($millions) | 4.3700% | 3,236 |
Cash dividends to net income (ytd only)* | 27.2586% | 3,500 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4612% | 584 |
Loan loss allowance to noncurrent loans | 336.6909% | 1,473 |
Noncurrent assets plus other real estate owned to assets | 0.5930% | 3,813 |
Noncurrent loans to loans | 0.7310% | 3,494 |
Net loans and leases to total assets | 68.8725% | 2,418 |
Net loans and leases to deposits | 83.0345% | 2,332 |
Net loans and leases to core deposits | 95.2162% | 1,789 |
Total domestic deposits to total assets | 82.9444% | 4,099 |
Equity capital to assets | 13.2281% | 1,259 |
Core capital (leverage) ratio | 12.7621% | 1,222 |
Tier 1 risk-based capital ratio | 17.3458% | 2,370 |
Total risk-based capital ratio | 18.6106% | 2,330 |
Memoranda: | ||
Average total assets | $1,047,924,600 | 643 |
Average earning assets | $980,961,600 | 621 |
Average equity | $141,119,600 | 518 |
Average total loans | $730,421,600 | 594 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8089% | 4,510 |
Cost of funding earning assets | 0.4246% | 3,524 |
Net interest margin | 3.3842% | 4,296 |
Noninterest income to average assets | 1.3926% | 640 |
Noninterest expense to average assets | 3.3469% | 1,795 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.8792% | 3,025 |
Return on assets (ROA) | 0.8714% | 3,161 |
Pretax return on assets | 1.2040% | 2,764 |
Return on Equity (ROE) | 6.4407% | 4,013 |
Retained earnings to average equity (ytd only) | 4.5017% | 3,450 |
Net charge-offs to loans | -0.0872% | 6,100 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.3705% | 2,927 |
Assets per employee ($millions) | 4.2170% | 3,445 |
Cash dividends to net income (ytd only)* | 30.1062% | 2,795 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5493% | 613 |
Loan loss allowance to noncurrent loans | 324.8813% | 1,416 |
Noncurrent assets plus other real estate owned to assets | 0.6467% | 3,898 |
Noncurrent loans to loans | 0.7847% | 3,620 |
Net loans and leases to total assets | 70.2985% | 2,145 |
Net loans and leases to deposits | 88.2913% | 1,631 |
Net loans and leases to core deposits | 102.3344% | 1,197 |
Total domestic deposits to total assets | 79.6211% | 5,194 |
Equity capital to assets | 13.6179% | 1,136 |
Core capital (leverage) ratio | 13.2831% | 1,072 |
Tier 1 risk-based capital ratio | 17.3951% | 2,429 |
Total risk-based capital ratio | 18.6608% | 2,389 |
Memoranda: | ||
Average total assets | $1,036,782,500 | 649 |
Average earning assets | $970,868,750 | 623 |
Average equity | $140,270,500 | 522 |
Average total loans | $720,173,750 | 601 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7806% | 4,594 |
Cost of funding earning assets | 0.4241% | 3,611 |
Net interest margin | 3.3565% | 4,372 |
Noninterest income to average assets | 1.3944% | 621 |
Noninterest expense to average assets | 3.3737% | 1,741 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.8446% | 3,102 |
Return on assets (ROA) | 0.8329% | 3,257 |
Pretax return on assets | 1.1438% | 2,914 |
Return on Equity (ROE) | 6.1698% | 4,065 |
Retained earnings to average equity (ytd only) | 4.1089% | 3,561 |
Net charge-offs to loans | -0.1057% | 6,166 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.4172% | 2,905 |
Assets per employee ($millions) | 4.1670% | 3,519 |
Cash dividends to net income (ytd only)* | 33.4029% | 2,651 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5787% | 636 |
Loan loss allowance to noncurrent loans | 290.5335% | 1,555 |
Noncurrent assets plus other real estate owned to assets | 0.7132% | 3,846 |
Noncurrent loans to loans | 0.8876% | 3,485 |
Net loans and leases to total assets | 69.3963% | 2,170 |
Net loans and leases to deposits | 85.0692% | 1,921 |
Net loans and leases to core deposits | 99.7236% | 1,305 |
Total domestic deposits to total assets | 81.5762% | 4,793 |
Equity capital to assets | 13.7018% | 1,083 |
Core capital (leverage) ratio | 13.0944% | 1,124 |
Tier 1 risk-based capital ratio | 17.9709% | 2,255 |
Total risk-based capital ratio | 19.2375% | 2,215 |
Memoranda: | ||
Average total assets | $1,035,174,670 | 644 |
Average earning assets | $968,165,330 | 621 |
Average equity | $139,745,670 | 523 |
Average total loans | $709,769,000 | 609 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7231% | 4,763 |
Cost of funding earning assets | 0.4245% | 3,704 |
Net interest margin | 3.2986% | 4,540 |
Noninterest income to average assets | 1.3908% | 600 |
Noninterest expense to average assets | 3.3622% | 1,802 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.8140% | 3,090 |
Return on assets (ROA) | 0.8140% | 3,157 |
Pretax return on assets | 1.1068% | 2,875 |
Return on Equity (ROE) | 6.0750% | 3,985 |
Retained earnings to average equity (ytd only) | 3.6496% | 3,943 |
Net charge-offs to loans | -0.1698% | 6,337 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.2337% | 2,924 |
Assets per employee ($millions) | 4.1902% | 3,551 |
Cash dividends to net income (ytd only)* | 39.9240% | 1,995 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7086% | 614 |
Loan loss allowance to noncurrent loans | 260.5216% | 1,680 |
Noncurrent assets plus other real estate owned to assets | 0.7947% | 3,753 |
Noncurrent loans to loans | 1.0397% | 3,343 |
Net loans and leases to total assets | 66.6779% | 2,448 |
Net loans and leases to deposits | 81.4458% | 2,108 |
Net loans and leases to core deposits | 93.6222% | 1,582 |
Total domestic deposits to total assets | 81.8679% | 4,979 |
Equity capital to assets | 13.6541% | 1,050 |
Core capital (leverage) ratio | 13.4301% | 992 |
Tier 1 risk-based capital ratio | 18.7539% | 2,044 |
Total risk-based capital ratio | 20.0222% | 1,996 |
Memoranda: | ||
Average total assets | $1,033,967,500 | 646 |
Average earning assets | $964,887,500 | 633 |
Average equity | $138,534,500 | 531 |
Average total loans | $695,100,000 | 624 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8197% | 4,743 |
Cost of funding earning assets | 0.5440% | 3,164 |
Net interest margin | 3.2757% | 4,753 |
Noninterest income to average assets | 1.4092% | 709 |
Noninterest expense to average assets | 3.3259% | 2,063 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.8252% | 3,159 |
Return on assets (ROA) | 0.8269% | 3,235 |
Pretax return on assets | 1.1430% | 2,797 |
Return on Equity (ROE) | 6.1760% | 3,987 |
Retained earnings to average equity (ytd only) | 2.6259% | 4,384 |
Net charge-offs to loans | -0.2115% | 6,622 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.4614% | 3,050 |
Assets per employee ($millions) | 4.3025% | 3,268 |
Cash dividends to net income (ytd only)* | 57.4821% | 1,898 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7098% | 660 |
Loan loss allowance to noncurrent loans | 298.2759% | 1,498 |
Noncurrent assets plus other real estate owned to assets | 0.6795% | 4,208 |
Noncurrent loans to loans | 0.9085% | 3,712 |
Net loans and leases to total assets | 64.1606% | 3,016 |
Net loans and leases to deposits | 77.4783% | 2,790 |
Net loans and leases to core deposits | 88.7434% | 2,158 |
Total domestic deposits to total assets | 82.8110% | 4,605 |
Equity capital to assets | 13.1482% | 1,209 |
Core capital (leverage) ratio | 13.1551% | 1,079 |
Tier 1 risk-based capital ratio | 19.0563% | 1,905 |
Total risk-based capital ratio | 20.3250% | 1,855 |
Memoranda: | ||
Average total assets | $1,028,751,200 | 637 |
Average earning assets | $960,190,800 | 622 |
Average equity | $137,743,600 | 529 |
Average total loans | $652,578,000 | 646 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8134% | 4,805 |
Cost of funding earning assets | 0.5891% | 2,908 |
Net interest margin | 3.2244% | 4,915 |
Noninterest income to average assets | 1.3901% | 753 |
Noninterest expense to average assets | 3.4294% | 1,761 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.7049% | 3,834 |
Return on assets (ROA) | 0.7058% | 3,962 |
Pretax return on assets | 0.9700% | 3,616 |
Return on Equity (ROE) | 5.2476% | 4,597 |
Retained earnings to average equity (ytd only) | 1.0971% | 5,537 |
Net charge-offs to loans | -0.2066% | 6,657 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.9744% | 2,424 |
Assets per employee ($millions) | 4.1101% | 3,619 |
Cash dividends to net income (ytd only)* | 79.0930% | 815 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7100% | 734 |
Loan loss allowance to noncurrent loans | 267.9895% | 1,517 |
Noncurrent assets plus other real estate owned to assets | 0.7647% | 4,195 |
Noncurrent loans to loans | 1.0112% | 3,785 |
Net loans and leases to total assets | 65.5129% | 2,717 |
Net loans and leases to deposits | 83.7085% | 1,915 |
Net loans and leases to core deposits | 95.0801% | 1,464 |
Total domestic deposits to total assets | 78.2632% | 5,865 |
Equity capital to assets | 13.5686% | 1,092 |
Core capital (leverage) ratio | 13.6007% | 980 |
Tier 1 risk-based capital ratio | 19.3317% | 1,899 |
Total risk-based capital ratio | 20.6008% | 1,863 |
Memoranda: | ||
Average total assets | $1,024,559,250 | 645 |
Average earning assets | $955,822,000 | 626 |
Average equity | $137,812,750 | 530 |
Average total loans | $643,348,750 | 655 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7832% | 4,877 |
Cost of funding earning assets | 0.6018% | 2,920 |
Net interest margin | 3.1813% | 5,007 |
Noninterest income to average assets | 1.3731% | 832 |
Noninterest expense to average assets | 3.4059% | 1,807 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.6773% | 3,918 |
Return on assets (ROA) | 0.6790% | 4,073 |
Pretax return on assets | 0.9430% | 3,739 |
Return on Equity (ROE) | 5.0624% | 4,690 |
Retained earnings to average equity (ytd only) | -0.2702% | 5,908 |
Net charge-offs to loans | -0.0825% | 6,449 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.3580% | 2,400 |
Assets per employee ($millions) | 3.9870% | 3,833 |
Cash dividends to net income (ytd only)* | 105.3383% | 461 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6856% | 801 |
Loan loss allowance to noncurrent loans | 264.8922% | 1,568 |
Noncurrent assets plus other real estate owned to assets | 0.7525% | 4,329 |
Noncurrent loans to loans | 1.0138% | 3,908 |
Net loans and leases to total assets | 64.1121% | 2,894 |
Net loans and leases to deposits | 83.4847% | 1,870 |
Net loans and leases to core deposits | 91.0960% | 1,797 |
Total domestic deposits to total assets | 76.7950% | 6,153 |
Equity capital to assets | 13.6807% | 1,060 |
Core capital (leverage) ratio | 12.8782% | 1,213 |
Tier 1 risk-based capital ratio | 19.6294% | 1,819 |
Total risk-based capital ratio | 20.8977% | 1,788 |
Memoranda: | ||
Average total assets | $1,031,789,330 | 639 |
Average earning assets | $964,373,000 | 623 |
Average equity | $138,392,000 | 528 |
Average total loans | $632,695,000 | 663 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6949% | 5,188 |
Cost of funding earning assets | 0.6265% | 2,866 |
Net interest margin | 3.0684% | 5,374 |
Noninterest income to average assets | 1.3130% | 893 |
Noninterest expense to average assets | 3.3056% | 2,075 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.6331% | 4,064 |
Return on assets (ROA) | 0.6331% | 4,220 |
Pretax return on assets | 0.8736% | 3,856 |
Return on Equity (ROE) | 4.7652% | 4,703 |
Retained earnings to average equity (ytd only) | -4.0836% | 6,286 |
Net charge-offs to loans | -0.0733% | 6,299 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0969% | 2,460 |
Assets per employee ($millions) | 4.1374% | 3,656 |
Cash dividends to net income (ytd only)* | 185.6971% | 254 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7796% | 839 |
Loan loss allowance to noncurrent loans | 241.0462% | 1,624 |
Noncurrent assets plus other real estate owned to assets | 0.7999% | 4,372 |
Noncurrent loans to loans | 1.1531% | 3,853 |
Net loans and leases to total assets | 59.6158% | 3,498 |
Net loans and leases to deposits | 77.2771% | 2,453 |
Net loans and leases to core deposits | 83.7811% | 2,349 |
Total domestic deposits to total assets | 77.1454% | 6,237 |
Equity capital to assets | 13.5551% | 1,193 |
Core capital (leverage) ratio | 12.7118% | 1,244 |
Tier 1 risk-based capital ratio | 20.0334% | 1,757 |
Total risk-based capital ratio | 21.3025% | 1,730 |
Memoranda: | ||
Average total assets | $1,051,298,500 | 639 |
Average earning assets | $981,997,000 | 619 |
Average equity | $139,679,000 | 530 |
Average total loans | $622,017,000 | 674 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1478% | 4,779 |
Cost of funding earning assets | 0.8951% | 1,966 |
Net interest margin | 3.2527% | 5,421 |
Noninterest income to average assets | 1.3295% | 874 |
Noninterest expense to average assets | 3.1508% | 2,768 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.8476% | 3,059 |
Return on assets (ROA) | 0.8477% | 3,307 |
Pretax return on assets | 1.2122% | 2,761 |
Return on Equity (ROE) | 6.3784% | 3,970 |
Retained earnings to average equity (ytd only) | 4.3065% | 3,194 |
Net charge-offs to loans | -0.2917% | 6,974 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.2188% | 3,374 |
Assets per employee ($millions) | 4.4656% | 3,024 |
Cash dividends to net income (ytd only)* | 32.4836% | 3,250 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8028% | 819 |
Loan loss allowance to noncurrent loans | 234.3763% | 1,612 |
Noncurrent assets plus other real estate owned to assets | 0.7650% | 4,554 |
Noncurrent loans to loans | 1.1958% | 3,859 |
Net loans and leases to total assets | 55.5287% | 4,375 |
Net loans and leases to deposits | 72.1717% | 3,385 |
Net loans and leases to core deposits | 78.1349% | 3,240 |
Total domestic deposits to total assets | 76.9398% | 6,236 |
Equity capital to assets | 13.0322% | 1,434 |
Core capital (leverage) ratio | 12.2779% | 1,410 |
Tier 1 risk-based capital ratio | 20.2086% | 1,628 |
Total risk-based capital ratio | 21.4774% | 1,594 |
Memoranda: | ||
Average total assets | $1,045,828,400 | 633 |
Average earning assets | $975,307,000 | 610 |
Average equity | $139,000,200 | 524 |
Average total loans | $594,137,000 | 692 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2727% | 4,567 |
Cost of funding earning assets | 0.9536% | 1,839 |
Net interest margin | 3.3191% | 5,315 |
Noninterest income to average assets | 1.2592% | 948 |
Noninterest expense to average assets | 3.1324% | 2,793 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.8648% | 3,158 |
Return on assets (ROA) | 0.8649% | 3,396 |
Pretax return on assets | 1.2249% | 2,892 |
Return on Equity (ROE) | 6.4749% | 4,080 |
Retained earnings to average equity (ytd only) | 4.2807% | 3,883 |
Net charge-offs to loans | -0.1901% | 6,980 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.8931% | 3,347 |
Assets per employee ($millions) | 4.2055% | 3,461 |
Cash dividends to net income (ytd only)* | 33.8882% | 2,440 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7032% | 980 |
Loan loss allowance to noncurrent loans | 203.8763% | 1,756 |
Noncurrent assets plus other real estate owned to assets | 0.9090% | 4,465 |
Noncurrent loans to loans | 1.3259% | 3,816 |
Net loans and leases to total assets | 59.2604% | 3,918 |
Net loans and leases to deposits | 82.5249% | 2,051 |
Net loans and leases to core deposits | 90.8419% | 1,887 |
Total domestic deposits to total assets | 71.8091% | 6,753 |
Equity capital to assets | 14.1360% | 1,102 |
Core capital (leverage) ratio | 12.7435% | 1,298 |
Tier 1 risk-based capital ratio | 20.7490% | 1,587 |
Total risk-based capital ratio | 22.0153% | 1,548 |
Memoranda: | ||
Average total assets | $1,037,117,750 | 638 |
Average earning assets | $967,981,000 | 614 |
Average equity | $138,541,500 | 524 |
Average total loans | $588,324,500 | 706 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3388% | 4,422 |
Cost of funding earning assets | 0.9826% | 1,867 |
Net interest margin | 3.3562% | 5,244 |
Noninterest income to average assets | 1.2334% | 936 |
Noninterest expense to average assets | 3.1603% | 2,721 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.8584% | 3,097 |
Return on assets (ROA) | 0.8584% | 3,366 |
Pretax return on assets | 1.2092% | 2,879 |
Return on Equity (ROE) | 6.5463% | 4,027 |
Retained earnings to average equity (ytd only) | 4.1072% | 3,871 |
Net charge-offs to loans | -0.3274% | 7,082 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.3261% | 3,371 |
Assets per employee ($millions) | 4.3502% | 3,167 |
Cash dividends to net income (ytd only)* | 37.2588% | 2,293 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6623% | 1,081 |
Loan loss allowance to noncurrent loans | 192.5874% | 1,774 |
Noncurrent assets plus other real estate owned to assets | 0.9110% | 4,547 |
Noncurrent loans to loans | 1.3824% | 3,850 |
Net loans and leases to total assets | 57.3881% | 4,264 |
Net loans and leases to deposits | 81.9563% | 2,116 |
Net loans and leases to core deposits | 90.1563% | 1,965 |
Total domestic deposits to total assets | 70.0228% | 6,904 |
Equity capital to assets | 13.2093% | 1,427 |
Core capital (leverage) ratio | 12.0990% | 1,553 |
Tier 1 risk-based capital ratio | 19.7085% | 1,784 |
Total risk-based capital ratio | 20.9757% | 1,743 |
Memoranda: | ||
Average total assets | $1,050,585,330 | 634 |
Average earning assets | $981,693,000 | 604 |
Average equity | $137,756,670 | 519 |
Average total loans | $582,077,000 | 708 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5921% | 3,543 |
Cost of funding earning assets | 1.0133% | 1,899 |
Net interest margin | 3.5788% | 4,357 |
Noninterest income to average assets | 1.2040% | 993 |
Noninterest expense to average assets | 3.2339% | 2,495 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.9505% | 2,690 |
Return on assets (ROA) | 0.9505% | 2,902 |
Pretax return on assets | 1.3191% | 2,475 |
Return on Equity (ROE) | 7.2762% | 3,616 |
Retained earnings to average equity (ytd only) | 4.8255% | 3,655 |
Net charge-offs to loans | -0.5004% | 7,150 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.0280% | 3,615 |
Assets per employee ($millions) | 4.2650% | 3,464 |
Cash dividends to net income (ytd only)* | 33.6808% | 1,970 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8535% | 953 |
Loan loss allowance to noncurrent loans | 189.9953% | 1,733 |
Noncurrent assets plus other real estate owned to assets | 0.9116% | 4,699 |
Noncurrent loans to loans | 1.5019% | 3,869 |
Net loans and leases to total assets | 53.0255% | 4,879 |
Net loans and leases to deposits | 74.9562% | 2,977 |
Net loans and leases to core deposits | 82.9864% | 2,692 |
Total domestic deposits to total assets | 70.7419% | 6,944 |
Equity capital to assets | 13.1804% | 1,367 |
Core capital (leverage) ratio | 12.3652% | 1,403 |
Tier 1 risk-based capital ratio | 20.5719% | 1,572 |
Total risk-based capital ratio | 21.8405% | 1,544 |
Memoranda: | ||
Average total assets | $1,049,504,000 | 634 |
Average earning assets | $982,120,000 | 604 |
Average equity | $137,104,500 | 521 |
Average total loans | $562,777,500 | 740 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2399% | 5,944 |
Cost of funding earning assets | 1.2034% | 2,005 |
Net interest margin | 3.0365% | 6,471 |
Noninterest income to average assets | 1.3064% | 756 |
Noninterest expense to average assets | 3.1693% | 2,970 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 0.7241% | 3,364 |
Return on assets (ROA) | 0.7271% | 3,525 |
Pretax return on assets | 0.9932% | 3,266 |
Return on Equity (ROE) | 5.7480% | 4,004 |
Retained earnings to average equity (ytd only) | 4.1184% | 3,253 |
Net charge-offs to loans | -0.1630% | 7,191 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.2141% | 2,858 |
Assets per employee ($millions) | 4.2503% | 3,367 |
Cash dividends to net income (ytd only)* | 28.3502% | 3,188 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8045% | 975 |
Loan loss allowance to noncurrent loans | 87.8675% | 3,402 |
Noncurrent assets plus other real estate owned to assets | 1.7834% | 3,276 |
Noncurrent loans to loans | 3.1918% | 2,028 |
Net loans and leases to total assets | 51.1945% | 5,440 |
Net loans and leases to deposits | 71.3913% | 3,885 |
Net loans and leases to core deposits | 80.6800% | 3,361 |
Total domestic deposits to total assets | 71.7097% | 6,889 |
Equity capital to assets | 12.9481% | 1,516 |
Core capital (leverage) ratio | 11.9796% | 1,608 |
Tier 1 risk-based capital ratio | 20.5150% | 1,521 |
Total risk-based capital ratio | 21.7825% | 1,481 |
Memoranda: | ||
Average total assets | $1,047,807,400 | 630 |
Average earning assets | $984,127,600 | 599 |
Average equity | $132,550,000 | 525 |
Average total loans | $566,795,600 | 745 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3059% | 5,933 |
Cost of funding earning assets | 1.2505% | 1,995 |
Net interest margin | 3.0554% | 6,483 |
Noninterest income to average assets | 1.2773% | 794 |
Noninterest expense to average assets | 3.1794% | 2,881 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 0.7183% | 3,513 |
Return on assets (ROA) | 0.7223% | 3,677 |
Pretax return on assets | 0.9754% | 3,495 |
Return on Equity (ROE) | 5.7440% | 4,146 |
Retained earnings to average equity (ytd only) | 4.1023% | 3,811 |
Net charge-offs to loans | -0.2090% | 7,268 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.6247% | 2,741 |
Assets per employee ($millions) | 4.0664% | 3,703 |
Cash dividends to net income (ytd only)* | 28.5816% | 2,540 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7786% | 1,051 |
Loan loss allowance to noncurrent loans | 82.5630% | 3,473 |
Noncurrent assets plus other real estate owned to assets | 1.9575% | 3,199 |
Noncurrent loans to loans | 3.3654% | 2,052 |
Net loans and leases to total assets | 53.4866% | 5,246 |
Net loans and leases to deposits | 75.9166% | 3,342 |
Net loans and leases to core deposits | 90.3129% | 2,211 |
Total domestic deposits to total assets | 70.4544% | 7,017 |
Equity capital to assets | 13.3533% | 1,439 |
Core capital (leverage) ratio | 12.3029% | 1,533 |
Tier 1 risk-based capital ratio | 20.1913% | 1,641 |
Total risk-based capital ratio | 21.4585% | 1,601 |
Memoranda: | ||
Average total assets | $1,046,237,750 | 640 |
Average earning assets | $983,466,500 | 607 |
Average equity | $131,566,500 | 535 |
Average total loans | $569,693,250 | 752 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1766% | 6,334 |
Cost of funding earning assets | 1.2839% | 2,043 |
Net interest margin | 2.8927% | 6,804 |
Noninterest income to average assets | 1.2593% | 796 |
Noninterest expense to average assets | 3.1938% | 2,922 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.6131% | 3,994 |
Return on assets (ROA) | 0.6194% | 4,089 |
Pretax return on assets | 0.7980% | 4,039 |
Return on Equity (ROE) | 5.0256% | 4,438 |
Retained earnings to average equity (ytd only) | 3.3663% | 4,123 |
Net charge-offs to loans | -0.1378% | 7,234 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.1721% | 2,367 |
Assets per employee ($millions) | 4.1197% | 3,515 |
Cash dividends to net income (ytd only)* | 33.0174% | 2,347 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6547% | 1,233 |
Loan loss allowance to noncurrent loans | 65.1818% | 4,177 |
Noncurrent assets plus other real estate owned to assets | 2.3510% | 2,803 |
Noncurrent loans to loans | 4.0728% | 1,694 |
Net loans and leases to total assets | 53.5543% | 5,357 |
Net loans and leases to deposits | 75.7021% | 3,530 |
Net loans and leases to core deposits | 89.9626% | 2,376 |
Total domestic deposits to total assets | 70.7436% | 7,072 |
Equity capital to assets | 12.8840% | 1,581 |
Core capital (leverage) ratio | 11.4819% | 1,921 |
Tier 1 risk-based capital ratio | 19.3323% | 1,753 |
Total risk-based capital ratio | 20.5976% | 1,724 |
Memoranda: | ||
Average total assets | $1,056,118,000 | 640 |
Average earning assets | $994,640,330 | 604 |
Average equity | $130,172,330 | 540 |
Average total loans | $573,163,330 | 754 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1421% | 6,413 |
Cost of funding earning assets | 1.3391% | 1,958 |
Net interest margin | 2.8029% | 6,903 |
Noninterest income to average assets | 1.1990% | 891 |
Noninterest expense to average assets | 3.1818% | 2,955 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.5070% | 4,463 |
Return on assets (ROA) | 0.5185% | 4,497 |
Pretax return on assets | 0.6726% | 4,403 |
Return on Equity (ROE) | 4.3007% | 4,746 |
Retained earnings to average equity (ytd only) | 2.6251% | 4,595 |
Net charge-offs to loans | -0.5406% | 7,420 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.8705% | 2,101 |
Assets per employee ($millions) | 4.0509% | 3,740 |
Cash dividends to net income (ytd only)* | 38.9610% | 1,771 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6987% | 1,206 |
Loan loss allowance to noncurrent loans | 69.6905% | 3,941 |
Noncurrent assets plus other real estate owned to assets | 2.2323% | 3,026 |
Noncurrent loans to loans | 3.8724% | 1,898 |
Net loans and leases to total assets | 53.2170% | 5,417 |
Net loans and leases to deposits | 74.2064% | 3,730 |
Net loans and leases to core deposits | 89.4643% | 2,413 |
Total domestic deposits to total assets | 71.7149% | 7,095 |
Equity capital to assets | 12.3519% | 1,709 |
Core capital (leverage) ratio | 11.4435% | 1,881 |
Tier 1 risk-based capital ratio | 18.9562% | 1,814 |
Total risk-based capital ratio | 20.2221% | 1,769 |
Memoranda: | ||
Average total assets | $1,069,208,500 | 631 |
Average earning assets | $1,007,227,000 | 601 |
Average equity | $128,910,000 | 538 |
Average total loans | $576,436,000 | 758 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4613% | 6,490 |
Cost of funding earning assets | 1.5697% | 2,245 |
Net interest margin | 2.8916% | 6,907 |
Noninterest income to average assets | 1.1553% | 1,108 |
Noninterest expense to average assets | 3.0143% | 3,791 |
Loan and lease loss provision to assets | 0.2439% | 4,850 |
Net operating income to assets | 0.4844% | 4,175 |
Return on assets (ROA) | 0.4844% | 4,325 |
Pretax return on assets | 0.6030% | 4,316 |
Return on Equity (ROE) | 4.1682% | 4,448 |
Retained earnings to average equity (ytd only) | 2.6676% | 3,991 |
Net charge-offs to loans | 0.2031% | 5,071 |
Credit loss provision to net charge-offs | 221.7176% | 1,349 |
Earnings coverage of net charge-offs (x) | 7.6994% | 2,079 |
Efficiency ratio | 78.0658% | 2,698 |
Assets per employee ($millions) | 4.2212% | 3,342 |
Cash dividends to net income (ytd only)* | 36.0023% | 2,766 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5199% | 1,390 |
Loan loss allowance to noncurrent loans | 57.5453% | 4,570 |
Noncurrent assets plus other real estate owned to assets | 2.4159% | 2,856 |
Noncurrent loans to loans | 4.3789% | 1,641 |
Net loans and leases to total assets | 51.8265% | 5,934 |
Net loans and leases to deposits | 72.0296% | 4,513 |
Net loans and leases to core deposits | 87.6875% | 3,095 |
Total domestic deposits to total assets | 71.9517% | 7,085 |
Equity capital to assets | 11.7743% | 2,056 |
Core capital (leverage) ratio | 10.7323% | 2,359 |
Tier 1 risk-based capital ratio | 18.2102% | 1,935 |
Total risk-based capital ratio | 19.4736% | 1,894 |
Memoranda: | ||
Average total assets | $1,100,918,600 | 605 |
Average earning assets | $1,030,213,000 | 583 |
Average equity | $127,944,200 | 529 |
Average total loans | $596,245,000 | 748 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5174% | 6,566 |
Cost of funding earning assets | 1.5905% | 2,442 |
Net interest margin | 2.9269% | 6,965 |
Noninterest income to average assets | 1.1210% | 1,115 |
Noninterest expense to average assets | 3.0320% | 3,636 |
Loan and lease loss provision to assets | 0.3246% | 3,990 |
Net operating income to assets | 0.4170% | 4,672 |
Return on assets (ROA) | 0.4170% | 4,847 |
Pretax return on assets | 0.5000% | 4,925 |
Return on Equity (ROE) | 3.5997% | 4,966 |
Retained earnings to average equity (ytd only) | 2.0968% | 4,914 |
Net charge-offs to loans | 0.2640% | 4,367 |
Credit loss provision to net charge-offs | 226.0101% | 1,523 |
Earnings coverage of net charge-offs (x) | 5.7416% | 2,686 |
Efficiency ratio | 78.6176% | 2,541 |
Assets per employee ($millions) | 4.1420% | 3,562 |
Cash dividends to net income (ytd only)* | 41.7512% | 2,011 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6941% | 1,090 |
Loan loss allowance to noncurrent loans | 52.0315% | 4,823 |
Noncurrent assets plus other real estate owned to assets | 2.8640% | 2,533 |
Noncurrent loans to loans | 5.1778% | 1,318 |
Net loans and leases to total assets | 52.3566% | 6,060 |
Net loans and leases to deposits | 73.9257% | 4,525 |
Net loans and leases to core deposits | 96.3981% | 2,210 |
Total domestic deposits to total assets | 70.8232% | 7,230 |
Equity capital to assets | 12.0751% | 2,111 |
Core capital (leverage) ratio | 10.9446% | 2,300 |
Tier 1 risk-based capital ratio | 18.1766% | 1,979 |
Total risk-based capital ratio | 19.4404% | 1,930 |
Memoranda: | ||
Average total assets | $1,102,825,500 | 599 |
Average earning assets | $1,030,768,500 | 578 |
Average equity | $127,748,500 | 521 |
Average total loans | $599,991,000 | 741 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5639% | 6,554 |
Cost of funding earning assets | 1.5973% | 2,674 |
Net interest margin | 2.9667% | 6,907 |
Noninterest income to average assets | 1.0987% | 1,100 |
Noninterest expense to average assets | 3.0202% | 3,634 |
Loan and lease loss provision to assets | 0.4831% | 2,890 |
Net operating income to assets | 0.3311% | 5,057 |
Return on assets (ROA) | 0.3311% | 5,216 |
Pretax return on assets | 0.3651% | 5,325 |
Return on Equity (ROE) | 2.8980% | 5,279 |
Retained earnings to average equity (ytd only) | 2.1420% | 4,781 |
Net charge-offs to loans | 0.0330% | 5,890 |
Credit loss provision to net charge-offs | 2,685.0000% | 157 |
Earnings coverage of net charge-offs (x) | 47.1400% | 631 |
Efficiency ratio | 78.0724% | 2,720 |
Assets per employee ($millions) | 4.2714% | 3,269 |
Cash dividends to net income (ytd only)* | 26.0870% | 2,657 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8532% | 955 |
Loan loss allowance to noncurrent loans | 50.1050% | 4,958 |
Noncurrent assets plus other real estate owned to assets | 3.0648% | 2,323 |
Noncurrent loans to loans | 5.6945% | 1,145 |
Net loans and leases to total assets | 51.0001% | 6,306 |
Net loans and leases to deposits | 71.2446% | 5,109 |
Net loans and leases to core deposits | 92.3252% | 2,940 |
Total domestic deposits to total assets | 71.5845% | 7,216 |
Equity capital to assets | 11.6407% | 2,327 |
Core capital (leverage) ratio | 10.4354% | 2,679 |
Tier 1 risk-based capital ratio | 17.7286% | 2,022 |
Total risk-based capital ratio | 18.9935% | 1,991 |
Memoranda: | ||
Average total assets | $1,111,457,670 | 589 |
Average earning assets | $1,037,657,670 | 572 |
Average equity | $126,984,670 | 519 |
Average total loans | $606,836,670 | 743 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6159% | 6,512 |
Cost of funding earning assets | 1.6089% | 2,909 |
Net interest margin | 3.0070% | 6,817 |
Noninterest income to average assets | 1.0730% | 1,101 |
Noninterest expense to average assets | 3.0215% | 3,597 |
Loan and lease loss provision to assets | 0.9678% | 1,298 |
Net operating income to assets | 0.0202% | 6,234 |
Return on assets (ROA) | 0.0202% | 6,350 |
Pretax return on assets | -0.1179% | 6,484 |
Return on Equity (ROE) | 0.1784% | 6,351 |
Retained earnings to average equity (ytd only) | -1.3504% | 6,103 |
Net charge-offs to loans | -0.0848% | 7,489 |
Credit loss provision to net charge-offs | -2,049.6183% | 6,523 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.0467% | 2,887 |
Assets per employee ($millions) | 4.1268% | 3,606 |
Cash dividends to net income (ytd only)* | 857.1429% | 27 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7902% | 999 |
Loan loss allowance to noncurrent loans | 53.0405% | 4,786 |
Noncurrent assets plus other real estate owned to assets | 2.9842% | 2,407 |
Noncurrent loans to loans | 5.2606% | 1,352 |
Net loans and leases to total assets | 53.7312% | 6,058 |
Net loans and leases to deposits | 75.5628% | 4,485 |
Net loans and leases to core deposits | 99.1254% | 2,222 |
Total domestic deposits to total assets | 71.1081% | 7,334 |
Equity capital to assets | 11.4290% | 2,418 |
Core capital (leverage) ratio | 10.6377% | 2,507 |
Tier 1 risk-based capital ratio | 17.0435% | 2,255 |
Total risk-based capital ratio | 18.3083% | 2,202 |
Memoranda: | ||
Average total assets | $1,109,765,500 | 609 |
Average earning assets | $1,032,787,000 | 594 |
Average equity | $125,589,500 | 532 |
Average total loans | $617,620,500 | 745 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8371% | 6,866 |
Cost of funding earning assets | 1.8234% | 3,863 |
Net interest margin | 3.0137% | 6,611 |
Noninterest income to average assets | 1.1581% | 1,149 |
Noninterest expense to average assets | 2.7952% | 4,996 |
Loan and lease loss provision to assets | 1.1353% | 2,007 |
Net operating income to assets | 0.1285% | 5,120 |
Return on assets (ROA) | 0.1285% | 5,176 |
Pretax return on assets | 0.0661% | 5,286 |
Return on Equity (ROE) | 1.3282% | 5,138 |
Retained earnings to average equity (ytd only) | 0.7302% | 4,497 |
Net charge-offs to loans | 1.5034% | 1,667 |
Credit loss provision to net charge-offs | 121.1373% | 4,401 |
Earnings coverage of net charge-offs (x) | 1.2819% | 4,848 |
Efficiency ratio | 69.9403% | 4,643 |
Assets per employee ($millions) | 4.2332% | 3,370 |
Cash dividends to net income (ytd only)* | 45.0205% | 2,701 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2457% | 1,571 |
Loan loss allowance to noncurrent loans | 37.9021% | 5,906 |
Noncurrent assets plus other real estate owned to assets | 3.5771% | 1,870 |
Noncurrent loans to loans | 5.9251% | 1,057 |
Net loans and leases to total assets | 54.7667% | 6,111 |
Net loans and leases to deposits | 76.9201% | 4,585 |
Net loans and leases to core deposits | 91.0128% | 5,010 |
Total domestic deposits to total assets | 71.1995% | 7,317 |
Equity capital to assets | 11.2069% | 2,527 |
Core capital (leverage) ratio | 9.9142% | 3,177 |
Tier 1 risk-based capital ratio | 16.9480% | 2,164 |
Total risk-based capital ratio | 18.2075% | 2,131 |
Memoranda: | ||
Average total assets | $1,140,881,600 | 583 |
Average earning assets | $1,074,558,600 | 565 |
Average equity | $110,377,600 | 593 |
Average total loans | $711,182,600 | 652 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8396% | 7,030 |
Cost of funding earning assets | 1.8640% | 4,079 |
Net interest margin | 2.9755% | 6,671 |
Noninterest income to average assets | 1.1815% | 1,119 |
Noninterest expense to average assets | 2.8847% | 4,522 |
Loan and lease loss provision to assets | 1.1987% | 1,621 |
Net operating income to assets | 0.0233% | 5,662 |
Return on assets (ROA) | 0.0233% | 5,711 |
Pretax return on assets | -0.0855% | 5,825 |
Return on Equity (ROE) | 0.2503% | 5,702 |
Retained earnings to average equity (ytd only) | -0.4630% | 5,338 |
Net charge-offs to loans | 0.9963% | 1,979 |
Credit loss provision to net charge-offs | 188.3342% | 2,415 |
Earnings coverage of net charge-offs (x) | 1.7489% | 4,485 |
Efficiency ratio | 72.1559% | 4,217 |
Assets per employee ($millions) | 4.2826% | 3,232 |
Cash dividends to net income (ytd only)* | 284.9996% | 122 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3235% | 1,269 |
Loan loss allowance to noncurrent loans | 43.1293% | 5,438 |
Noncurrent assets plus other real estate owned to assets | 3.4917% | 1,908 |
Noncurrent loans to loans | 5.3872% | 1,175 |
Net loans and leases to total assets | 61.5729% | 5,315 |
Net loans and leases to deposits | 89.8329% | 2,614 |
Net loans and leases to core deposits | 107.3573% | 3,551 |
Total domestic deposits to total assets | 68.5416% | 7,531 |
Equity capital to assets | 10.8905% | 3,125 |
Core capital (leverage) ratio | 10.1614% | 3,101 |
Tier 1 risk-based capital ratio | 15.8618% | 2,681 |
Total risk-based capital ratio | 17.1244% | 2,605 |
Memoranda: | ||
Average total assets | $1,145,653,250 | 591 |
Average earning assets | $1,084,371,250 | 574 |
Average equity | $106,542,250 | 621 |
Average total loans | $731,857,250 | 647 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8992% | 7,030 |
Cost of funding earning assets | 1.9324% | 4,098 |
Net interest margin | 2.9668% | 6,640 |
Noninterest income to average assets | 1.1991% | 1,086 |
Noninterest expense to average assets | 2.9223% | 4,421 |
Loan and lease loss provision to assets | 1.6902% | 994 |
Net operating income to assets | -0.3147% | 6,339 |
Return on assets (ROA) | -0.3147% | 6,355 |
Pretax return on assets | -0.5987% | 6,522 |
Return on Equity (ROE) | -3.5868% | 6,433 |
Retained earnings to average equity (ytd only) | -4.7188% | 6,262 |
Net charge-offs to loans | 1.1702% | 1,560 |
Credit loss provision to net charge-offs | 225.1102% | 2,044 |
Earnings coverage of net charge-offs (x) | 1.4537% | 4,442 |
Efficiency ratio | 72.8066% | 4,243 |
Assets per employee ($millions) | 4.3349% | 3,048 |
Cash dividends to net income (ytd only)* | -31.5615% | 7,976 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3446% | 1,053 |
Loan loss allowance to noncurrent loans | 113.2602% | 2,591 |
Noncurrent assets plus other real estate owned to assets | 1.4097% | 4,140 |
Noncurrent loans to loans | 2.0701% | 3,423 |
Net loans and leases to total assets | 62.0582% | 5,352 |
Net loans and leases to deposits | 88.1793% | 3,141 |
Net loans and leases to core deposits | 104.9487% | 3,963 |
Total domestic deposits to total assets | 70.3773% | 7,432 |
Equity capital to assets | 8.8697% | 5,493 |
Core capital (leverage) ratio | 8.2451% | 5,896 |
Tier 1 risk-based capital ratio | 12.9890% | 4,157 |
Total risk-based capital ratio | 14.2520% | 4,062 |
Memoranda: | ||
Average total assets | $1,147,814,000 | 605 |
Average earning assets | $1,088,915,330 | 583 |
Average equity | $100,702,670 | 669 |
Average total loans | $736,441,000 | 662 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8600% | 7,266 |
Cost of funding earning assets | 1.9831% | 4,218 |
Net interest margin | 2.8769% | 6,809 |
Noninterest income to average assets | 1.2014% | 1,001 |
Noninterest expense to average assets | 2.9144% | 4,112 |
Loan and lease loss provision to assets | 2.9396% | 372 |
Net operating income to assets | -1.1737% | 7,350 |
Return on assets (ROA) | -1.1737% | 7,361 |
Pretax return on assets | -1.9100% | 7,508 |
Return on Equity (ROE) | -13.4531% | 7,540 |
Retained earnings to average equity (ytd only) | -15.7394% | 7,480 |
Net charge-offs to loans | 1.9655% | 734 |
Credit loss provision to net charge-offs | 231.9801% | 1,978 |
Earnings coverage of net charge-offs (x) | 0.8125% | 4,378 |
Efficiency ratio | 73.8953% | 3,845 |
Assets per employee ($millions) | 4.2673% | 3,133 |
Cash dividends to net income (ytd only)* | -16.9946% | 8,088 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2650% | 993 |
Loan loss allowance to noncurrent loans | 76.7453% | 3,804 |
Noncurrent assets plus other real estate owned to assets | 2.0175% | 2,877 |
Noncurrent loans to loans | 2.9513% | 2,212 |
Net loans and leases to total assets | 63.7088% | 5,038 |
Net loans and leases to deposits | 95.3229% | 2,066 |
Net loans and leases to core deposits | 115.4076% | 2,858 |
Total domestic deposits to total assets | 66.8347% | 7,677 |
Equity capital to assets | 9.2415% | 5,026 |
Core capital (leverage) ratio | 8.5269% | 5,481 |
Tier 1 risk-based capital ratio | 12.8291% | 4,305 |
Total risk-based capital ratio | 14.0907% | 4,215 |
Memoranda: | ||
Average total assets | $1,143,017,000 | 608 |
Average earning assets | $1,089,634,000 | 583 |
Average equity | $99,724,500 | 673 |
Average total loans | $736,905,500 | 671 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5987% | 7,071 |
Cost of funding earning assets | 2.4426% | 4,513 |
Net interest margin | 3.1561% | 6,504 |
Noninterest income to average assets | 1.2597% | 928 |
Noninterest expense to average assets | 2.7544% | 5,031 |
Loan and lease loss provision to assets | 0.6433% | 2,260 |
Net operating income to assets | 0.6117% | 4,255 |
Return on assets (ROA) | 0.7260% | 3,611 |
Pretax return on assets | 0.9782% | 3,454 |
Return on Equity (ROE) | 9.0501% | 2,629 |
Retained earnings to average equity (ytd only) | 5.7340% | 1,649 |
Net charge-offs to loans | 0.5106% | 2,312 |
Credit loss provision to net charge-offs | 188.3910% | 2,626 |
Earnings coverage of net charge-offs (x) | 4.2961% | 4,040 |
Efficiency ratio | 65.2477% | 5,265 |
Assets per employee ($millions) | 4.4086% | 2,775 |
Cash dividends to net income (ytd only)* | 36.6423% | 3,803 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6031% | 2,229 |
Loan loss allowance to noncurrent loans | 49.5361% | 5,522 |
Noncurrent assets plus other real estate owned to assets | 2.0912% | 2,356 |
Noncurrent loans to loans | 3.2362% | 1,619 |
Net loans and leases to total assets | 62.7531% | 5,499 |
Net loans and leases to deposits | 95.6020% | 2,509 |
Net loans and leases to core deposits | 117.8109% | 2,911 |
Total domestic deposits to total assets | 65.6400% | 7,679 |
Equity capital to assets | 8.2225% | 6,515 |
Core capital (leverage) ratio | 7.7442% | 6,870 |
Tier 1 risk-based capital ratio | 11.8123% | 4,974 |
Total risk-based capital ratio | 13.0660% | 4,875 |
Memoranda: | ||
Average total assets | $1,150,269,400 | 579 |
Average earning assets | $1,079,437,400 | 564 |
Average equity | $92,274,800 | 723 |
Average total loans | $769,233,000 | 621 |