Home > The First National Bank of Dryden > Performance and Condition Ratios
The First National Bank of Dryden, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4587% | 3,935 |
Cost of funding earning assets | 0.1957% | 4,362 |
Net interest margin | 4.2630% | 874 |
Noninterest income to average assets | 0.1300% | 3,988 |
Noninterest expense to average assets | 1.7522% | 3,981 |
Loan and lease loss provision to assets | 0.0100% | 2,596 |
Net operating income to assets | 2.0639% | 416 |
Return on assets (ROA) | 2.0639% | 422 |
Pretax return on assets | 2.3870% | 374 |
Return on Equity (ROE) | 21.8400% | 320 |
Retained earnings to average equity (ytd only) | 19.4062% | 178 |
Net charge-offs to loans | 0.1340% | 703 |
Credit loss provision to net charge-offs | 19.3548% | 1,658 |
Earnings coverage of net charge-offs (x) | 40.7097% | 1,089 |
Efficiency ratio | 42.2161% | 4,228 |
Assets per employee ($millions) | 5.5074% | 3,318 |
Cash dividends to net income (ytd only)* | 11.1418% | 2,162 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3845% | 1,355 |
Loan loss allowance to noncurrent loans | 174.0541% | 2,310 |
Noncurrent assets plus other real estate owned to assets | 0.3822% | 1,815 |
Noncurrent loans to loans | 0.7954% | 1,308 |
Net loans and leases to total assets | 42.7100% | 3,890 |
Net loans and leases to deposits | 47.2819% | 3,964 |
Net loans and leases to core deposits | 47.3456% | 4,037 |
Total domestic deposits to total assets | 90.3400% | 706 |
Equity capital to assets | 9.5783% | 2,512 |
Core capital (leverage) ratio | 12.4000% | 1,310 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,736 |
Memoranda: | ||
Average total assets | $210,477,000 | 2,951 |
Average earning assets | $198,264,000 | 2,928 |
Average equity | $19,890,500 | 3,011 |
Average total loans | $92,551,500 | 3,284 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4014% | 3,979 |
Cost of funding earning assets | 0.2121% | 4,375 |
Net interest margin | 4.1894% | 944 |
Noninterest income to average assets | 0.1700% | 3,879 |
Noninterest expense to average assets | 2.0829% | 3,417 |
Loan and lease loss provision to assets | 0.0700% | 1,825 |
Net operating income to assets | 1.7413% | 614 |
Return on assets (ROA) | 1.2940% | 1,309 |
Pretax return on assets | 1.4686% | 1,348 |
Return on Equity (ROE) | 14.8100% | 967 |
Retained earnings to average equity (ytd only) | 10.8586% | 455 |
Net charge-offs to loans | 0.1751% | 789 |
Credit loss provision to net charge-offs | 98.0392% | 1,930 |
Earnings coverage of net charge-offs (x) | 29.0196% | 1,554 |
Efficiency ratio | 50.4464% | 3,966 |
Assets per employee ($millions) | 5.2863% | 3,447 |
Cash dividends to net income (ytd only)* | 26.6738% | 2,715 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4261% | 1,225 |
Loan loss allowance to noncurrent loans | 168.5494% | 2,384 |
Noncurrent assets plus other real estate owned to assets | 0.4137% | 1,672 |
Noncurrent loans to loans | 0.8461% | 1,179 |
Net loans and leases to total assets | 44.0200% | 3,886 |
Net loans and leases to deposits | 48.5573% | 3,956 |
Net loans and leases to core deposits | 48.6245% | 4,043 |
Total domestic deposits to total assets | 90.6600% | 613 |
Equity capital to assets | 9.3167% | 2,584 |
Core capital (leverage) ratio | 12.4214% | 1,267 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,791 |
Memoranda: | ||
Average total assets | $217,002,400 | 2,892 |
Average earning assets | $205,138,200 | 2,855 |
Average equity | $18,962,000 | 3,044 |
Average total loans | $87,373,800 | 3,335 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3057% | 4,058 |
Cost of funding earning assets | 0.2129% | 4,414 |
Net interest margin | 4.0928% | 1,026 |
Noninterest income to average assets | 0.1700% | 3,870 |
Noninterest expense to average assets | 1.7507% | 3,998 |
Loan and lease loss provision to assets | 0.0100% | 2,797 |
Net operating income to assets | 1.9989% | 432 |
Return on assets (ROA) | 1.7671% | 627 |
Pretax return on assets | 2.0184% | 628 |
Return on Equity (ROE) | 20.5400% | 396 |
Retained earnings to average equity (ytd only) | 17.9532% | 145 |
Net charge-offs to loans | 0.1392% | 788 |
Credit loss provision to net charge-offs | 20.0000% | 2,184 |
Earnings coverage of net charge-offs (x) | 41.9778% | 1,306 |
Efficiency ratio | 43.2988% | 4,251 |
Assets per employee ($millions) | 5.5533% | 3,224 |
Cash dividends to net income (ytd only)* | 12.6030% | 2,752 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3830% | 1,398 |
Loan loss allowance to noncurrent loans | 118.2510% | 2,842 |
Noncurrent assets plus other real estate owned to assets | 0.4857% | 1,441 |
Noncurrent loans to loans | 1.1696% | 851 |
Net loans and leases to total assets | 40.9600% | 3,996 |
Net loans and leases to deposits | 45.3824% | 4,076 |
Net loans and leases to core deposits | 45.4419% | 4,140 |
Total domestic deposits to total assets | 90.2500% | 521 |
Equity capital to assets | 9.6515% | 2,533 |
Core capital (leverage) ratio | 12.5649% | 1,252 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,827 |
Memoranda: | ||
Average total assets | $219,711,250 | 2,876 |
Average earning assets | $207,905,500 | 2,837 |
Average equity | $18,900,500 | 3,043 |
Average total loans | $86,199,250 | 3,362 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2042% | 4,129 |
Cost of funding earning assets | 0.2153% | 4,422 |
Net interest margin | 3.9890% | 1,122 |
Noninterest income to average assets | 0.1600% | 3,924 |
Noninterest expense to average assets | 1.7449% | 4,019 |
Loan and lease loss provision to assets | 0.0100% | 2,670 |
Net operating income to assets | 1.9370% | 481 |
Return on assets (ROA) | 1.9370% | 484 |
Pretax return on assets | 2.1834% | 497 |
Return on Equity (ROE) | 23.4500% | 275 |
Retained earnings to average equity (ytd only) | 20.7645% | 115 |
Net charge-offs to loans | 0.1766% | 598 |
Credit loss provision to net charge-offs | 16.0000% | 1,956 |
Earnings coverage of net charge-offs (x) | 32.2933% | 1,359 |
Efficiency ratio | 44.2962% | 4,240 |
Assets per employee ($millions) | 5.6787% | 3,077 |
Cash dividends to net income (ytd only)* | 11.4593% | 2,717 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4391% | 1,251 |
Loan loss allowance to noncurrent loans | 92.8148% | 3,140 |
Noncurrent assets plus other real estate owned to assets | 0.6096% | 1,115 |
Noncurrent loans to loans | 1.5505% | 551 |
Net loans and leases to total assets | 38.7500% | 4,075 |
Net loans and leases to deposits | 42.3709% | 4,152 |
Net loans and leases to core deposits | 42.4241% | 4,193 |
Total domestic deposits to total assets | 91.4500% | 362 |
Equity capital to assets | 8.4075% | 3,159 |
Core capital (leverage) ratio | 11.8343% | 1,532 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,851 |
Memoranda: | ||
Average total assets | $220,756,000 | 2,865 |
Average earning assets | $209,027,333 | 2,826 |
Average equity | $18,233,000 | 3,064 |
Average total loans | $84,949,667 | 3,376 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9667% | 4,013 |
Cost of funding earning assets | 0.1512% | 4,466 |
Net interest margin | 3.8154% | 1,544 |
Noninterest income to average assets | 0.1700% | 3,940 |
Noninterest expense to average assets | 1.8873% | 3,858 |
Loan and lease loss provision to assets | 0.2300% | 514 |
Net operating income to assets | 1.3272% | 1,374 |
Return on assets (ROA) | 1.1119% | 1,861 |
Pretax return on assets | 1.3981% | 1,637 |
Return on Equity (ROE) | 16.3800% | 1,044 |
Retained earnings to average equity (ytd only) | 10.6182% | 871 |
Net charge-offs to loans | 0.3368% | 323 |
Credit loss provision to net charge-offs | 206.6667% | 1,200 |
Earnings coverage of net charge-offs (x) | 17.0510% | 1,984 |
Efficiency ratio | 49.8674% | 3,990 |
Assets per employee ($millions) | 5.4267% | 3,312 |
Cash dividends to net income (ytd only)* | 35.1648% | 2,335 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5889% | 859 |
Loan loss allowance to noncurrent loans | 86.4652% | 3,341 |
Noncurrent assets plus other real estate owned to assets | 0.7191% | 721 |
Noncurrent loans to loans | 1.8377% | 322 |
Net loans and leases to total assets | 38.5100% | 4,085 |
Net loans and leases to deposits | 42.0547% | 4,150 |
Net loans and leases to core deposits | 42.1114% | 4,254 |
Total domestic deposits to total assets | 91.5700% | 375 |
Equity capital to assets | 8.3735% | 3,140 |
Core capital (leverage) ratio | 11.6655% | 1,569 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $229,167,600 | 2,793 |
Average earning assets | $216,908,000 | 2,760 |
Average equity | $15,558,200 | 3,217 |
Average total loans | $75,711,400 | 3,471 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9220% | 3,970 |
Cost of funding earning assets | 0.1333% | 4,491 |
Net interest margin | 3.7887% | 1,625 |
Noninterest income to average assets | 0.1800% | 3,904 |
Noninterest expense to average assets | 1.6413% | 4,196 |
Loan and lease loss provision to assets | 0.1800% | 621 |
Net operating income to assets | 1.6082% | 933 |
Return on assets (ROA) | 1.6082% | 923 |
Pretax return on assets | 1.9387% | 822 |
Return on Equity (ROE) | 25.0100% | 385 |
Retained earnings to average equity (ytd only) | 21.7078% | 205 |
Net charge-offs to loans | 0.2038% | 436 |
Credit loss provision to net charge-offs | 284.0708% | 919 |
Earnings coverage of net charge-offs (x) | 32.8938% | 1,548 |
Efficiency ratio | 43.6135% | 4,253 |
Assets per employee ($millions) | 5.5580% | 3,134 |
Cash dividends to net income (ytd only)* | 13.2055% | 2,698 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6225% | 850 |
Loan loss allowance to noncurrent loans | 80.0000% | 3,385 |
Noncurrent assets plus other real estate owned to assets | 0.7039% | 803 |
Noncurrent loans to loans | 2.0281% | 298 |
Net loans and leases to total assets | 34.1500% | 4,241 |
Net loans and leases to deposits | 36.6144% | 4,282 |
Net loans and leases to core deposits | 36.6604% | 4,316 |
Total domestic deposits to total assets | 93.2600% | 266 |
Equity capital to assets | 6.7115% | 3,749 |
Core capital (leverage) ratio | 11.4197% | 1,714 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $233,548,750 | 2,784 |
Average earning assets | $221,036,750 | 2,748 |
Average equity | $15,017,250 | 3,252 |
Average total loans | $73,933,500 | 3,501 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9308% | 3,818 |
Cost of funding earning assets | 0.0969% | 4,520 |
Net interest margin | 3.8339% | 1,556 |
Noninterest income to average assets | 0.1900% | 3,834 |
Noninterest expense to average assets | 1.5011% | 4,331 |
Loan and lease loss provision to assets | 0.2700% | 345 |
Net operating income to assets | 1.7143% | 762 |
Return on assets (ROA) | 1.7143% | 761 |
Pretax return on assets | 2.0549% | 685 |
Return on Equity (ROE) | 27.0300% | 292 |
Retained earnings to average equity (ytd only) | 23.7486% | 148 |
Net charge-offs to loans | 0.2169% | 373 |
Credit loss provision to net charge-offs | 398.7342% | 737 |
Earnings coverage of net charge-offs (x) | 34.8481% | 1,478 |
Efficiency ratio | 39.2810% | 4,412 |
Assets per employee ($millions) | 5.9610% | 2,743 |
Cash dividends to net income (ytd only)* | 12.1436% | 2,661 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7190% | 721 |
Loan loss allowance to noncurrent loans | 70.8356% | 3,505 |
Noncurrent assets plus other real estate owned to assets | 0.7773% | 655 |
Noncurrent loans to loans | 2.4268% | 194 |
Net loans and leases to total assets | 31.4800% | 4,297 |
Net loans and leases to deposits | 33.7551% | 4,335 |
Net loans and leases to core deposits | 33.8369% | 4,362 |
Total domestic deposits to total assets | 93.2500% | 219 |
Equity capital to assets | 6.7266% | 3,905 |
Core capital (leverage) ratio | 10.0277% | 2,723 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $237,291,667 | 2,771 |
Average earning assets | $224,991,667 | 2,730 |
Average equity | $15,049,333 | 3,264 |
Average total loans | $72,856,667 | 3,523 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6834% | 4,052 |
Cost of funding earning assets | 0.0792% | 4,558 |
Net interest margin | 3.6043% | 2,118 |
Noninterest income to average assets | 0.1800% | 3,901 |
Noninterest expense to average assets | 1.5603% | 4,346 |
Loan and lease loss provision to assets | 0.2600% | 353 |
Net operating income to assets | 1.5102% | 1,166 |
Return on assets (ROA) | 1.5102% | 1,147 |
Pretax return on assets | 1.7806% | 1,105 |
Return on Equity (ROE) | 24.5300% | 427 |
Retained earnings to average equity (ytd only) | 21.1725% | 313 |
Net charge-offs to loans | 0.2665% | 286 |
Credit loss provision to net charge-offs | 325.0000% | 661 |
Earnings coverage of net charge-offs (x) | 25.4792% | 1,366 |
Efficiency ratio | 43.3272% | 4,333 |
Assets per employee ($millions) | 6.3314% | 2,472 |
Cash dividends to net income (ytd only)* | 13.7017% | 2,111 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5679% | 1,075 |
Loan loss allowance to noncurrent loans | 81.9346% | 3,472 |
Noncurrent assets plus other real estate owned to assets | 0.5694% | 907 |
Noncurrent loans to loans | 1.9136% | 307 |
Net loans and leases to total assets | 29.2900% | 4,381 |
Net loans and leases to deposits | 31.3173% | 4,420 |
Net loans and leases to core deposits | 31.4232% | 4,435 |
Total domestic deposits to total assets | 93.5200% | 227 |
Equity capital to assets | 6.4246% | 4,056 |
Core capital (leverage) ratio | 10.0704% | 2,620 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $239,697,500 | 2,795 |
Average earning assets | $227,396,500 | 2,756 |
Average equity | $14,755,000 | 3,327 |
Average total loans | $72,055,000 | 3,569 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0625% | 4,059 |
Cost of funding earning assets | 0.0816% | 4,470 |
Net interest margin | 2.9809% | 3,498 |
Noninterest income to average assets | 0.1800% | 4,071 |
Noninterest expense to average assets | 1.8093% | 4,018 |
Loan and lease loss provision to assets | 0.0600% | 1,752 |
Net operating income to assets | 0.9550% | 2,744 |
Return on assets (ROA) | 0.9550% | 2,694 |
Pretax return on assets | 1.1429% | 2,629 |
Return on Equity (ROE) | 14.7400% | 1,327 |
Retained earnings to average equity (ytd only) | 9.7700% | 1,225 |
Net charge-offs to loans | 0.5991% | 117 |
Credit loss provision to net charge-offs | 38.3085% | 1,865 |
Earnings coverage of net charge-offs (x) | 7.1617% | 2,311 |
Efficiency ratio | 59.9750% | 3,061 |
Assets per employee ($millions) | 5.8118% | 2,941 |
Cash dividends to net income (ytd only)* | 33.7286% | 2,227 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4780% | 1,267 |
Loan loss allowance to noncurrent loans | 63.4265% | 3,591 |
Noncurrent assets plus other real estate owned to assets | 0.7080% | 680 |
Noncurrent loans to loans | 2.3303% | 209 |
Net loans and leases to total assets | 29.9400% | 4,390 |
Net loans and leases to deposits | 31.8083% | 4,434 |
Net loans and leases to core deposits | 31.9697% | 4,450 |
Total domestic deposits to total assets | 94.1100% | 226 |
Equity capital to assets | 5.8700% | 4,140 |
Core capital (leverage) ratio | 9.8760% | 2,763 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $238,431,600 | 2,791 |
Average earning assets | $226,843,000 | 2,757 |
Average equity | $15,445,200 | 3,330 |
Average total loans | $67,104,200 | 3,624 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8427% | 4,138 |
Cost of funding earning assets | 0.0800% | 4,417 |
Net interest margin | 2.7627% | 3,812 |
Noninterest income to average assets | 0.1800% | 4,105 |
Noninterest expense to average assets | 1.5910% | 4,311 |
Loan and lease loss provision to assets | 0.0100% | 2,534 |
Net operating income to assets | 1.0675% | 2,221 |
Return on assets (ROA) | 1.0675% | 2,176 |
Pretax return on assets | 1.2087% | 2,334 |
Return on Equity (ROE) | 16.1100% | 954 |
Retained earnings to average equity (ytd only) | 12.9765% | 618 |
Net charge-offs to loans | 0.1893% | 353 |
Credit loss provision to net charge-offs | 19.1489% | 1,630 |
Earnings coverage of net charge-offs (x) | 23.3298% | 1,655 |
Efficiency ratio | 56.6258% | 3,558 |
Assets per employee ($millions) | 6.4790% | 2,340 |
Cash dividends to net income (ytd only)* | 19.4690% | 2,485 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7672% | 771 |
Loan loss allowance to noncurrent loans | 81.2834% | 3,520 |
Noncurrent assets plus other real estate owned to assets | 0.6241% | 845 |
Noncurrent loans to loans | 2.1741% | 265 |
Net loans and leases to total assets | 28.2000% | 4,456 |
Net loans and leases to deposits | 29.6919% | 4,502 |
Net loans and leases to core deposits | 29.8365% | 4,513 |
Total domestic deposits to total assets | 94.9700% | 226 |
Equity capital to assets | 5.0183% | 4,292 |
Core capital (leverage) ratio | 10.0263% | 2,521 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $239,922,000 | 2,804 |
Average earning assets | $228,414,750 | 2,769 |
Average equity | $15,895,000 | 3,329 |
Average total loans | $66,221,250 | 3,662 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6269% | 4,245 |
Cost of funding earning assets | 0.0829% | 4,348 |
Net interest margin | 2.5440% | 4,013 |
Noninterest income to average assets | 0.1833% | 4,087 |
Noninterest expense to average assets | 1.6242% | 4,274 |
Loan and lease loss provision to assets | 0.0100% | 2,409 |
Net operating income to assets | 0.9150% | 2,520 |
Return on assets (ROA) | 0.9150% | 2,488 |
Pretax return on assets | 0.9784% | 2,805 |
Return on Equity (ROE) | 12.7798% | 1,440 |
Retained earnings to average equity (ytd only) | 9.8817% | 1,053 |
Net charge-offs to loans | 0.1040% | 573 |
Credit loss provision to net charge-offs | 35.2941% | 1,549 |
Earnings coverage of net charge-offs (x) | 34.8824% | 1,327 |
Efficiency ratio | 62.1691% | 3,027 |
Assets per employee ($millions) | 6.3154% | 2,470 |
Cash dividends to net income (ytd only)* | 22.6776% | 2,366 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8760% | 700 |
Loan loss allowance to noncurrent loans | 74.6181% | 3,600 |
Noncurrent assets plus other real estate owned to assets | 0.7284% | 737 |
Noncurrent loans to loans | 2.5141% | 225 |
Net loans and leases to total assets | 28.4278% | 4,510 |
Net loans and leases to deposits | 30.1449% | 4,543 |
Net loans and leases to core deposits | 30.3381% | 4,560 |
Total domestic deposits to total assets | 94.3039% | 231 |
Equity capital to assets | 5.6755% | 4,310 |
Core capital (leverage) ratio | 8.8768% | 3,587 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.2807% | 312 |
Memoranda: | ||
Average total assets | $239,988,333 | 2,826 |
Average earning assets | $229,168,667 | 2,801 |
Average equity | $17,183,333 | 3,304 |
Average total loans | $65,358,000 | 3,705 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3904% | 4,388 |
Cost of funding earning assets | 0.0789% | 4,369 |
Net interest margin | 2.3115% | 4,219 |
Noninterest income to average assets | 0.1777% | 4,110 |
Noninterest expense to average assets | 1.5678% | 4,345 |
Loan and lease loss provision to assets | 0.0099% | 2,145 |
Net operating income to assets | 0.8028% | 2,647 |
Return on assets (ROA) | 0.8028% | 2,639 |
Pretax return on assets | 0.8160% | 3,058 |
Return on Equity (ROE) | 10.1964% | 1,886 |
Retained earnings to average equity (ytd only) | 7.5846% | 1,706 |
Net charge-offs to loans | 0.0187% | 1,155 |
Credit loss provision to net charge-offs | 200.0000% | 773 |
Earnings coverage of net charge-offs (x) | 167.3333% | 492 |
Efficiency ratio | 65.4983% | 2,831 |
Assets per employee ($millions) | 6.7244% | 2,203 |
Cash dividends to net income (ytd only)* | 25.6148% | 1,865 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9927% | 624 |
Loan loss allowance to noncurrent loans | 65.5696% | 3,709 |
Noncurrent assets plus other real estate owned to assets | 0.7729% | 719 |
Noncurrent loans to loans | 3.0391% | 174 |
Net loans and leases to total assets | 24.9254% | 4,596 |
Net loans and leases to deposits | 26.7386% | 4,625 |
Net loans and leases to core deposits | 27.5307% | 4,627 |
Total domestic deposits to total assets | 93.2191% | 220 |
Equity capital to assets | 6.7367% | 4,327 |
Core capital (leverage) ratio | 8.6055% | 3,760 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $243,148,000 | 2,823 |
Average earning assets | $233,098,500 | 2,780 |
Average equity | $19,144,000 | 3,225 |
Average total loans | $64,188,500 | 3,730 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5873% | 4,419 |
Cost of funding earning assets | 0.0782% | 4,543 |
Net interest margin | 2.5090% | 4,176 |
Noninterest income to average assets | 0.2428% | 3,919 |
Noninterest expense to average assets | 1.6260% | 4,391 |
Loan and lease loss provision to assets | 0.0693% | 1,692 |
Net operating income to assets | 0.8741% | 3,125 |
Return on assets (ROA) | 0.8741% | 3,188 |
Pretax return on assets | 0.9475% | 3,384 |
Return on Equity (ROE) | 9.1262% | 2,867 |
Retained earnings to average equity (ytd only) | 5.4498% | 2,592 |
Net charge-offs to loans | 0.0580% | 1,210 |
Credit loss provision to net charge-offs | 419.4444% | 891 |
Earnings coverage of net charge-offs (x) | 61.5278% | 1,158 |
Efficiency ratio | 61.5251% | 2,933 |
Assets per employee ($millions) | 6.4103% | 2,405 |
Cash dividends to net income (ytd only)* | 40.2836% | 2,022 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0381% | 572 |
Loan loss allowance to noncurrent loans | 64.1509% | 3,759 |
Noncurrent assets plus other real estate owned to assets | 0.8727% | 671 |
Noncurrent loans to loans | 3.1771% | 177 |
Net loans and leases to total assets | 26.9095% | 4,597 |
Net loans and leases to deposits | 29.6446% | 4,628 |
Net loans and leases to core deposits | 30.6470% | 4,631 |
Total domestic deposits to total assets | 90.7735% | 593 |
Equity capital to assets | 9.1320% | 3,480 |
Core capital (leverage) ratio | 8.9903% | 3,412 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $217,834,000 | 2,928 |
Average earning assets | $208,365,800 | 2,890 |
Average equity | $20,863,000 | 3,140 |
Average total loans | $62,076,400 | 3,783 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5948% | 4,504 |
Cost of funding earning assets | 0.0793% | 4,636 |
Net interest margin | 2.5155% | 4,247 |
Noninterest income to average assets | 0.2647% | 3,817 |
Noninterest expense to average assets | 1.5967% | 4,469 |
Loan and lease loss provision to assets | 0.0112% | 2,765 |
Net operating income to assets | 0.9854% | 2,969 |
Return on assets (ROA) | 0.9854% | 3,046 |
Pretax return on assets | 1.0606% | 3,298 |
Return on Equity (ROE) | 10.1614% | 2,675 |
Retained earnings to average equity (ytd only) | 7.7716% | 2,127 |
Net charge-offs to loans | 0.0453% | 1,214 |
Credit loss provision to net charge-offs | 85.7143% | 1,687 |
Earnings coverage of net charge-offs (x) | 82.1429% | 971 |
Efficiency ratio | 59.8370% | 2,998 |
Assets per employee ($millions) | 6.5979% | 2,180 |
Cash dividends to net income (ytd only)* | 23.5183% | 2,389 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8899% | 786 |
Loan loss allowance to noncurrent loans | 47.6461% | 3,979 |
Noncurrent assets plus other real estate owned to assets | 1.2941% | 442 |
Noncurrent loans to loans | 3.9665% | 130 |
Net loans and leases to total assets | 27.1686% | 4,675 |
Net loans and leases to deposits | 30.0568% | 4,699 |
Net loans and leases to core deposits | 30.2883% | 4,722 |
Total domestic deposits to total assets | 90.3909% | 606 |
Equity capital to assets | 9.4905% | 3,380 |
Core capital (leverage) ratio | 9.4525% | 3,061 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $214,600,000 | 2,984 |
Average earning assets | $205,072,000 | 2,938 |
Average equity | $20,810,250 | 3,179 |
Average total loans | $61,747,750 | 3,841 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5786% | 4,563 |
Cost of funding earning assets | 0.0812% | 4,694 |
Net interest margin | 2.4973% | 4,309 |
Noninterest income to average assets | 0.3028% | 3,620 |
Noninterest expense to average assets | 1.6626% | 4,420 |
Loan and lease loss provision to assets | 0.0114% | 2,711 |
Net operating income to assets | 0.9690% | 3,008 |
Return on assets (ROA) | 0.9690% | 3,087 |
Pretax return on assets | 1.0144% | 3,411 |
Return on Equity (ROE) | 9.9175% | 2,770 |
Retained earnings to average equity (ytd only) | 7.5059% | 2,249 |
Net charge-offs to loans | 0.0844% | 837 |
Credit loss provision to net charge-offs | 46.1538% | 1,623 |
Earnings coverage of net charge-offs (x) | 41.6923% | 1,145 |
Efficiency ratio | 61.8444% | 2,750 |
Assets per employee ($millions) | 6.3039% | 2,324 |
Cash dividends to net income (ytd only)* | 24.3164% | 2,335 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8750% | 770 |
Loan loss allowance to noncurrent loans | 56.9819% | 3,867 |
Noncurrent assets plus other real estate owned to assets | 1.1240% | 635 |
Noncurrent loans to loans | 3.2906% | 201 |
Net loans and leases to total assets | 27.5853% | 4,712 |
Net loans and leases to deposits | 30.5714% | 4,745 |
Net loans and leases to core deposits | 30.8111% | 4,762 |
Total domestic deposits to total assets | 90.2323% | 678 |
Equity capital to assets | 9.5365% | 3,300 |
Core capital (leverage) ratio | 9.3331% | 3,090 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $211,357,000 | 3,003 |
Average earning assets | $201,895,667 | 2,966 |
Average equity | $20,650,333 | 3,193 |
Average total loans | $61,623,333 | 3,869 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6262% | 4,549 |
Cost of funding earning assets | 0.0811% | 4,741 |
Net interest margin | 2.5451% | 4,237 |
Noninterest income to average assets | 0.3541% | 3,316 |
Noninterest expense to average assets | 1.6467% | 4,470 |
Loan and lease loss provision to assets | 0.0116% | 2,628 |
Net operating income to assets | 1.0720% | 2,567 |
Return on assets (ROA) | 1.0720% | 2,647 |
Pretax return on assets | 1.1262% | 3,047 |
Return on Equity (ROE) | 10.8335% | 2,412 |
Retained earnings to average equity (ytd only) | 8.4087% | 2,122 |
Net charge-offs to loans | 0.0716% | 840 |
Credit loss provision to net charge-offs | 54.5455% | 1,298 |
Earnings coverage of net charge-offs (x) | 53.4545% | 870 |
Efficiency ratio | 59.1383% | 3,137 |
Assets per employee ($millions) | 6.6642% | 2,038 |
Cash dividends to net income (ytd only)* | 22.3827% | 1,933 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8462% | 800 |
Loan loss allowance to noncurrent loans | 55.8627% | 3,903 |
Noncurrent assets plus other real estate owned to assets | 1.1536% | 657 |
Noncurrent loans to loans | 3.3049% | 222 |
Net loans and leases to total assets | 28.3332% | 4,741 |
Net loans and leases to deposits | 31.2621% | 4,778 |
Net loans and leases to core deposits | 31.4656% | 4,791 |
Total domestic deposits to total assets | 90.6311% | 530 |
Equity capital to assets | 9.0933% | 3,602 |
Core capital (leverage) ratio | 9.6257% | 2,907 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $206,717,500 | 3,031 |
Average earning assets | $197,398,500 | 2,993 |
Average equity | $20,455,000 | 3,203 |
Average total loans | $61,422,000 | 3,892 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0017% | 4,632 |
Cost of funding earning assets | 0.0888% | 4,889 |
Net interest margin | 2.9130% | 4,089 |
Noninterest income to average assets | 0.1864% | 4,358 |
Noninterest expense to average assets | 1.8073% | 4,464 |
Loan and lease loss provision to assets | 0.0891% | 3,248 |
Net operating income to assets | 0.9485% | 2,487 |
Return on assets (ROA) | 0.9485% | 2,636 |
Pretax return on assets | 1.0632% | 2,833 |
Return on Equity (ROE) | 9.1959% | 2,317 |
Retained earnings to average equity (ytd only) | 5.3577% | 2,116 |
Net charge-offs to loans | 0.2067% | 842 |
Credit loss provision to net charge-offs | 141.4634% | 2,474 |
Earnings coverage of net charge-offs (x) | 18.2927% | 2,031 |
Efficiency ratio | 61.0659% | 3,301 |
Assets per employee ($millions) | 5.6916% | 2,634 |
Cash dividends to net income (ytd only)* | 41.7387% | 2,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9827% | 612 |
Loan loss allowance to noncurrent loans | 56.4779% | 3,929 |
Noncurrent assets plus other real estate owned to assets | 1.3038% | 617 |
Noncurrent loans to loans | 3.5107% | 196 |
Net loans and leases to total assets | 30.0673% | 4,750 |
Net loans and leases to deposits | 33.8055% | 4,789 |
Net loans and leases to core deposits | 34.0606% | 4,803 |
Total domestic deposits to total assets | 88.9420% | 1,011 |
Equity capital to assets | 10.8063% | 2,425 |
Core capital (leverage) ratio | 9.8305% | 2,756 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $195,258,600 | 2,978 |
Average earning assets | $185,894,000 | 2,943 |
Average equity | $20,139,400 | 3,178 |
Average total loans | $59,504,000 | 3,930 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9587% | 4,760 |
Cost of funding earning assets | 0.0902% | 4,942 |
Net interest margin | 2.8685% | 4,234 |
Noninterest income to average assets | 0.2235% | 4,155 |
Noninterest expense to average assets | 1.6794% | 4,652 |
Loan and lease loss provision to assets | 0.0123% | 4,156 |
Net operating income to assets | 1.0922% | 2,007 |
Return on assets (ROA) | 1.0922% | 2,138 |
Pretax return on assets | 1.2625% | 2,183 |
Return on Equity (ROE) | 10.7152% | 1,777 |
Retained earnings to average equity (ytd only) | 8.1952% | 1,241 |
Net charge-offs to loans | 0.2329% | 656 |
Credit loss provision to net charge-offs | 17.3077% | 2,982 |
Earnings coverage of net charge-offs (x) | 17.9904% | 1,980 |
Efficiency ratio | 56.8496% | 3,812 |
Assets per employee ($millions) | 5.7620% | 2,487 |
Cash dividends to net income (ytd only)* | 23.5184% | 2,636 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6409% | 1,000 |
Loan loss allowance to noncurrent loans | 48.4848% | 4,054 |
Noncurrent assets plus other real estate owned to assets | 1.2813% | 751 |
Noncurrent loans to loans | 3.3843% | 246 |
Net loans and leases to total assets | 30.9119% | 4,801 |
Net loans and leases to deposits | 34.5740% | 4,846 |
Net loans and leases to core deposits | 34.6726% | 4,862 |
Total domestic deposits to total assets | 89.4079% | 613 |
Equity capital to assets | 10.2683% | 2,993 |
Core capital (leverage) ratio | 9.8888% | 2,830 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $195,694,250 | 2,958 |
Average earning assets | $186,294,000 | 2,922 |
Average equity | $19,946,250 | 3,191 |
Average total loans | $59,539,500 | 3,946 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4198% | 4,520 |
Cost of funding earning assets | 0.0932% | 4,981 |
Net interest margin | 3.3266% | 3,319 |
Noninterest income to average assets | 0.2272% | 4,125 |
Noninterest expense to average assets | 1.6469% | 4,736 |
Loan and lease loss provision to assets | 0.0124% | 4,065 |
Net operating income to assets | 1.5839% | 786 |
Return on assets (ROA) | 1.5839% | 858 |
Pretax return on assets | 1.7367% | 917 |
Return on Equity (ROE) | 15.4934% | 638 |
Retained earnings to average equity (ytd only) | 12.9482% | 360 |
Net charge-offs to loans | 0.1133% | 1,170 |
Credit loss provision to net charge-offs | 36.3636% | 2,683 |
Earnings coverage of net charge-offs (x) | 51.3333% | 1,084 |
Efficiency ratio | 48.4950% | 4,591 |
Assets per employee ($millions) | 5.7926% | 2,380 |
Cash dividends to net income (ytd only)* | 16.4276% | 2,881 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7375% | 754 |
Loan loss allowance to noncurrent loans | 95.0947% | 3,288 |
Noncurrent assets plus other real estate owned to assets | 0.7677% | 1,611 |
Noncurrent loans to loans | 1.8271% | 762 |
Net loans and leases to total assets | 29.9676% | 4,857 |
Net loans and leases to deposits | 33.3524% | 4,897 |
Net loans and leases to core deposits | 33.3991% | 4,913 |
Total domestic deposits to total assets | 89.8514% | 443 |
Equity capital to assets | 9.9519% | 3,252 |
Core capital (leverage) ratio | 10.1585% | 2,683 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $193,702,333 | 2,957 |
Average earning assets | $184,513,667 | 2,919 |
Average equity | $19,802,000 | 3,196 |
Average total loans | $58,259,333 | 3,974 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4769% | 4,652 |
Cost of funding earning assets | 0.1017% | 5,039 |
Net interest margin | 3.3751% | 3,378 |
Noninterest income to average assets | 0.2534% | 4,033 |
Noninterest expense to average assets | 1.7607% | 4,712 |
Loan and lease loss provision to assets | 0.0129% | 3,618 |
Net operating income to assets | 1.4859% | 809 |
Return on assets (ROA) | 1.4859% | 883 |
Pretax return on assets | 1.6856% | 875 |
Return on Equity (ROE) | 14.3223% | 642 |
Retained earnings to average equity (ytd only) | 11.7145% | 456 |
Net charge-offs to loans | 0.0144% | 2,090 |
Credit loss provision to net charge-offs | 300.0000% | 1,171 |
Earnings coverage of net charge-offs (x) | 395.5000% | 175 |
Efficiency ratio | 50.9001% | 4,615 |
Assets per employee ($millions) | 5.2881% | 2,337 |
Cash dividends to net income (ytd only)* | 18.2081% | 2,372 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0222% | 481 |
Loan loss allowance to noncurrent loans | 87.9377% | 3,418 |
Noncurrent assets plus other real estate owned to assets | 0.9056% | 1,478 |
Noncurrent loans to loans | 2.2996% | 550 |
Net loans and leases to total assets | 28.7593% | 4,923 |
Net loans and leases to deposits | 32.0569% | 4,952 |
Net loans and leases to core deposits | 32.1729% | 4,960 |
Total domestic deposits to total assets | 89.7132% | 411 |
Equity capital to assets | 10.1308% | 3,668 |
Core capital (leverage) ratio | 10.5222% | 2,926 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $186,287,500 | 2,995 |
Average earning assets | $176,940,500 | 2,944 |
Average equity | $19,326,500 | 3,235 |
Average total loans | $55,590,500 | 4,042 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5346% | 4,832 |
Cost of funding earning assets | 0.1084% | 5,094 |
Net interest margin | 3.4262% | 3,662 |
Noninterest income to average assets | 0.1125% | 4,891 |
Noninterest expense to average assets | 2.1404% | 4,288 |
Loan and lease loss provision to assets | 0.1217% | 1,739 |
Net operating income to assets | 0.9814% | 2,911 |
Return on assets (ROA) | 0.9814% | 2,990 |
Pretax return on assets | 1.0966% | 3,177 |
Return on Equity (ROE) | 9.6863% | 2,440 |
Retained earnings to average equity (ytd only) | 5.6531% | 2,059 |
Net charge-offs to loans | 0.4850% | 389 |
Credit loss provision to net charge-offs | 87.1595% | 2,691 |
Earnings coverage of net charge-offs (x) | 8.7237% | 2,738 |
Efficiency ratio | 63.7276% | 3,111 |
Assets per employee ($millions) | 5.2059% | 2,341 |
Cash dividends to net income (ytd only)* | 41.6390% | 2,513 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0379% | 435 |
Loan loss allowance to noncurrent loans | 138.6224% | 2,722 |
Noncurrent assets plus other real estate owned to assets | 0.6871% | 1,882 |
Noncurrent loans to loans | 1.4701% | 988 |
Net loans and leases to total assets | 29.7330% | 4,970 |
Net loans and leases to deposits | 33.3257% | 5,003 |
Net loans and leases to core deposits | 33.4525% | 5,019 |
Total domestic deposits to total assets | 89.2193% | 585 |
Equity capital to assets | 10.6292% | 3,328 |
Core capital (leverage) ratio | 10.3041% | 3,188 |
Tier 1 risk-based capital ratio | 29.6947% | 487 |
Total risk-based capital ratio | 30.9502% | 478 |
Memoranda: | ||
Average total assets | $184,029,000 | 2,970 |
Average earning assets | $174,361,200 | 2,937 |
Average equity | $18,644,800 | 3,265 |
Average total loans | $52,990,800 | 4,124 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5573% | 4,921 |
Cost of funding earning assets | 0.1084% | 5,171 |
Net interest margin | 3.4489% | 3,736 |
Noninterest income to average assets | 0.1930% | 4,565 |
Noninterest expense to average assets | 1.8697% | 4,733 |
Loan and lease loss provision to assets | 0.0130% | 3,643 |
Net operating income to assets | 1.3544% | 1,631 |
Return on assets (ROA) | 1.3544% | 1,696 |
Pretax return on assets | 1.5755% | 1,715 |
Return on Equity (ROE) | 13.5321% | 1,106 |
Retained earnings to average equity (ytd only) | 10.9326% | 541 |
Net charge-offs to loans | 0.5724% | 289 |
Credit loss provision to net charge-offs | 8.0000% | 3,013 |
Earnings coverage of net charge-offs (x) | 9.7690% | 2,547 |
Efficiency ratio | 54.0648% | 4,385 |
Assets per employee ($millions) | 5.1972% | 2,341 |
Cash dividends to net income (ytd only)* | 19.2104% | 3,067 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7437% | 749 |
Loan loss allowance to noncurrent loans | 153.0547% | 2,566 |
Noncurrent assets plus other real estate owned to assets | 0.6473% | 2,071 |
Noncurrent loans to loans | 1.1393% | 1,392 |
Net loans and leases to total assets | 28.6716% | 5,074 |
Net loans and leases to deposits | 32.0922% | 5,107 |
Net loans and leases to core deposits | 32.2107% | 5,118 |
Total domestic deposits to total assets | 89.3414% | 507 |
Equity capital to assets | 10.4961% | 3,542 |
Core capital (leverage) ratio | 10.0937% | 3,539 |
Tier 1 risk-based capital ratio | 29.8741% | 490 |
Total risk-based capital ratio | 31.1264% | 479 |
Memoranda: | ||
Average total assets | $184,485,000 | 3,000 |
Average earning assets | $174,662,000 | 2,963 |
Average equity | $18,464,250 | 3,306 |
Average total loans | $52,413,000 | 4,178 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4835% | 5,020 |
Cost of funding earning assets | 0.1048% | 5,222 |
Net interest margin | 3.3787% | 3,959 |
Noninterest income to average assets | 0.2178% | 4,442 |
Noninterest expense to average assets | 1.9018% | 4,743 |
Loan and lease loss provision to assets | 0.0131% | 3,509 |
Net operating income to assets | 1.3202% | 1,694 |
Return on assets (ROA) | 1.3202% | 1,756 |
Pretax return on assets | 1.4977% | 1,867 |
Return on Equity (ROE) | 13.4123% | 1,121 |
Retained earnings to average equity (ytd only) | 10.7564% | 589 |
Net charge-offs to loans | 0.4876% | 322 |
Credit loss provision to net charge-offs | 9.5238% | 2,695 |
Earnings coverage of net charge-offs (x) | 11.0079% | 2,228 |
Efficiency ratio | 55.7293% | 4,279 |
Assets per employee ($millions) | 5.6659% | 1,812 |
Cash dividends to net income (ytd only)* | 19.8020% | 3,029 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9599% | 508 |
Loan loss allowance to noncurrent loans | 119.2922% | 3,028 |
Noncurrent assets plus other real estate owned to assets | 0.7388% | 1,878 |
Noncurrent loans to loans | 1.6430% | 936 |
Net loans and leases to total assets | 26.3596% | 5,149 |
Net loans and leases to deposits | 29.1766% | 5,175 |
Net loans and leases to core deposits | 29.2769% | 5,185 |
Total domestic deposits to total assets | 90.3453% | 230 |
Equity capital to assets | 9.5982% | 4,315 |
Core capital (leverage) ratio | 10.2959% | 3,293 |
Tier 1 risk-based capital ratio | 29.5497% | 492 |
Total risk-based capital ratio | 30.8033% | 487 |
Memoranda: | ||
Average total assets | $183,614,000 | 3,015 |
Average earning assets | $173,616,000 | 2,989 |
Average equity | $18,073,000 | 3,345 |
Average total loans | $51,685,330 | 4,232 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5882% | 4,975 |
Cost of funding earning assets | 0.1060% | 5,271 |
Net interest margin | 3.4822% | 3,646 |
Noninterest income to average assets | 0.2315% | 4,357 |
Noninterest expense to average assets | 1.7700% | 4,951 |
Loan and lease loss provision to assets | 0.0136% | 3,260 |
Net operating income to assets | 1.5726% | 952 |
Return on assets (ROA) | 1.5726% | 979 |
Pretax return on assets | 1.7269% | 1,150 |
Return on Equity (ROE) | 15.7567% | 625 |
Retained earnings to average equity (ytd only) | 13.0283% | 460 |
Net charge-offs to loans | 0.1180% | 1,032 |
Credit loss provision to net charge-offs | 40.0000% | 2,031 |
Earnings coverage of net charge-offs (x) | 51.1333% | 1,010 |
Efficiency ratio | 50.4202% | 4,796 |
Assets per employee ($millions) | 5.3757% | 2,098 |
Cash dividends to net income (ytd only)* | 17.3160% | 2,527 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2397% | 337 |
Loan loss allowance to noncurrent loans | 142.3267% | 2,763 |
Noncurrent assets plus other real estate owned to assets | 0.7643% | 1,841 |
Noncurrent loans to loans | 1.5736% | 1,011 |
Net loans and leases to total assets | 27.4636% | 5,185 |
Net loans and leases to deposits | 30.5102% | 5,214 |
Net loans and leases to core deposits | 30.6245% | 5,232 |
Total domestic deposits to total assets | 90.0144% | 442 |
Equity capital to assets | 9.9364% | 3,884 |
Core capital (leverage) ratio | 10.3667% | 3,202 |
Tier 1 risk-based capital ratio | 29.3136% | 499 |
Total risk-based capital ratio | 30.5704% | 492 |
Memoranda: | ||
Average total assets | $176,267,500 | 3,128 |
Average earning assets | $165,986,500 | 3,105 |
Average equity | $17,592,500 | 3,400 |
Average total loans | $50,869,000 | 4,283 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4907% | 4,927 |
Cost of funding earning assets | 0.1082% | 5,269 |
Net interest margin | 3.3825% | 4,043 |
Noninterest income to average assets | 0.1156% | 5,093 |
Noninterest expense to average assets | 2.1413% | 4,467 |
Loan and lease loss provision to assets | 0.1217% | 1,810 |
Net operating income to assets | 0.9812% | 3,096 |
Return on assets (ROA) | 0.9812% | 3,092 |
Pretax return on assets | 1.0317% | 3,507 |
Return on Equity (ROE) | 9.7126% | 2,635 |
Retained earnings to average equity (ytd only) | 5.1997% | 2,663 |
Net charge-offs to loans | 0.1523% | 1,256 |
Credit loss provision to net charge-offs | 266.6667% | 1,122 |
Earnings coverage of net charge-offs (x) | 25.2667% | 1,780 |
Efficiency ratio | 64.9917% | 3,026 |
Assets per employee ($millions) | 4.9930% | 2,515 |
Cash dividends to net income (ytd only)* | 46.4640% | 2,163 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3000% | 285 |
Loan loss allowance to noncurrent loans | 135.3972% | 2,899 |
Noncurrent assets plus other real estate owned to assets | 0.8512% | 1,644 |
Noncurrent loans to loans | 1.6987% | 851 |
Net loans and leases to total assets | 29.0012% | 5,218 |
Net loans and leases to deposits | 32.2531% | 5,240 |
Net loans and leases to core deposits | 32.3833% | 5,255 |
Total domestic deposits to total assets | 89.9176% | 502 |
Equity capital to assets | 10.0282% | 3,660 |
Core capital (leverage) ratio | 10.5935% | 2,938 |
Tier 1 risk-based capital ratio | 28.7813% | 522 |
Total risk-based capital ratio | 30.0389% | 515 |
Memoranda: | ||
Average total assets | $164,295,000 | 3,225 |
Average earning assets | $154,410,400 | 3,188 |
Average equity | $16,597,000 | 3,449 |
Average total loans | $49,254,600 | 4,333 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4475% | 4,982 |
Cost of funding earning assets | 0.1088% | 5,333 |
Net interest margin | 3.3387% | 4,189 |
Noninterest income to average assets | 0.1833% | 4,872 |
Noninterest expense to average assets | 1.9755% | 4,782 |
Loan and lease loss provision to assets | 0.0147% | 3,716 |
Net operating income to assets | 1.1768% | 2,331 |
Return on assets (ROA) | 1.1768% | 2,336 |
Pretax return on assets | 1.3314% | 2,497 |
Return on Equity (ROE) | 11.6268% | 1,946 |
Retained earnings to average equity (ytd only) | 8.7241% | 1,331 |
Net charge-offs to loans | 0.2151% | 791 |
Credit loss provision to net charge-offs | 22.7848% | 3,001 |
Earnings coverage of net charge-offs (x) | 20.8229% | 1,942 |
Efficiency ratio | 59.4728% | 3,890 |
Assets per employee ($millions) | 4.7935% | 2,727 |
Cash dividends to net income (ytd only)* | 24.9649% | 2,795 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9354% | 553 |
Loan loss allowance to noncurrent loans | 100.7246% | 3,444 |
Noncurrent assets plus other real estate owned to assets | 1.0163% | 1,427 |
Noncurrent loans to loans | 1.9214% | 783 |
Net loans and leases to total assets | 29.3865% | 5,288 |
Net loans and leases to deposits | 32.6298% | 5,322 |
Net loans and leases to core deposits | 32.7627% | 5,330 |
Total domestic deposits to total assets | 90.0603% | 493 |
Equity capital to assets | 9.8497% | 3,782 |
Core capital (leverage) ratio | 10.9107% | 2,667 |
Tier 1 risk-based capital ratio | 28.7740% | 528 |
Total risk-based capital ratio | 30.0276% | 521 |
Memoranda: | ||
Average total assets | $162,928,250 | 3,271 |
Average earning assets | $153,151,750 | 3,240 |
Average equity | $16,490,250 | 3,487 |
Average total loans | $48,970,250 | 4,380 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3963% | 5,046 |
Cost of funding earning assets | 0.1122% | 5,371 |
Net interest margin | 3.2841% | 4,292 |
Noninterest income to average assets | 0.2232% | 4,689 |
Noninterest expense to average assets | 2.0370% | 4,727 |
Loan and lease loss provision to assets | 0.0149% | 3,578 |
Net operating income to assets | 1.1419% | 2,426 |
Return on assets (ROA) | 1.1419% | 2,435 |
Pretax return on assets | 1.2572% | 2,692 |
Return on Equity (ROE) | 11.1781% | 2,043 |
Retained earnings to average equity (ytd only) | 8.2774% | 1,500 |
Net charge-offs to loans | 0.1896% | 825 |
Credit loss provision to net charge-offs | 26.0870% | 2,649 |
Earnings coverage of net charge-offs (x) | 22.3043% | 1,746 |
Efficiency ratio | 61.5586% | 3,684 |
Assets per employee ($millions) | 4.8457% | 2,622 |
Cash dividends to net income (ytd only)* | 25.9501% | 2,759 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0254% | 497 |
Loan loss allowance to noncurrent loans | 94.4287% | 3,573 |
Noncurrent assets plus other real estate owned to assets | 1.1217% | 1,312 |
Noncurrent loans to loans | 2.1449% | 659 |
Net loans and leases to total assets | 29.3601% | 5,342 |
Net loans and leases to deposits | 32.6756% | 5,368 |
Net loans and leases to core deposits | 32.8115% | 5,379 |
Total domestic deposits to total assets | 89.8534% | 621 |
Equity capital to assets | 10.0817% | 3,552 |
Core capital (leverage) ratio | 10.3523% | 3,181 |
Tier 1 risk-based capital ratio | 28.9514% | 521 |
Total risk-based capital ratio | 30.2065% | 513 |
Memoranda: | ||
Average total assets | $161,314,000 | 3,308 |
Average earning assets | $151,577,000 | 3,272 |
Average equity | $16,478,670 | 3,508 |
Average total loans | $48,535,330 | 4,429 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3389% | 5,082 |
Cost of funding earning assets | 0.1094% | 5,435 |
Net interest margin | 3.2295% | 4,373 |
Noninterest income to average assets | 0.2231% | 4,679 |
Noninterest expense to average assets | 1.9900% | 4,869 |
Loan and lease loss provision to assets | 0.0150% | 3,336 |
Net operating income to assets | 1.1805% | 2,090 |
Return on assets (ROA) | 1.1805% | 2,102 |
Pretax return on assets | 1.2507% | 2,547 |
Return on Equity (ROE) | 11.4787% | 1,778 |
Retained earnings to average equity (ytd only) | 8.5542% | 1,638 |
Net charge-offs to loans | 0.0748% | 1,376 |
Credit loss provision to net charge-offs | 66.6667% | 1,852 |
Earnings coverage of net charge-offs (x) | 56.1111% | 879 |
Efficiency ratio | 61.1239% | 3,929 |
Assets per employee ($millions) | 5.3298% | 2,114 |
Cash dividends to net income (ytd only)* | 25.4777% | 2,270 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1493% | 426 |
Loan loss allowance to noncurrent loans | 98.8495% | 3,476 |
Noncurrent assets plus other real estate owned to assets | 1.0741% | 1,452 |
Noncurrent loans to loans | 2.1743% | 699 |
Net loans and leases to total assets | 27.5215% | 5,418 |
Net loans and leases to deposits | 30.4407% | 5,441 |
Net loans and leases to core deposits | 30.5622% | 5,454 |
Total domestic deposits to total assets | 90.4101% | 498 |
Equity capital to assets | 9.4944% | 4,095 |
Core capital (leverage) ratio | 10.7332% | 2,704 |
Tier 1 risk-based capital ratio | 29.1563% | 508 |
Total risk-based capital ratio | 30.4115% | 505 |
Memoranda: | ||
Average total assets | $159,594,000 | 3,362 |
Average earning assets | $149,870,000 | 3,330 |
Average equity | $16,413,000 | 3,542 |
Average total loans | $48,117,000 | 4,483 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3067% | 5,074 |
Cost of funding earning assets | 0.1115% | 5,448 |
Net interest margin | 3.1952% | 4,457 |
Noninterest income to average assets | 0.2499% | 4,637 |
Noninterest expense to average assets | 2.1283% | 4,697 |
Loan and lease loss provision to assets | 0.0658% | 2,891 |
Net operating income to assets | 0.9545% | 2,426 |
Return on assets (ROA) | 0.9545% | 2,461 |
Pretax return on assets | 1.0661% | 3,315 |
Return on Equity (ROE) | 8.6179% | 2,487 |
Retained earnings to average equity (ytd only) | 4.1229% | 2,696 |
Net charge-offs to loans | 0.1625% | 1,503 |
Credit loss provision to net charge-offs | 132.0000% | 2,000 |
Earnings coverage of net charge-offs (x) | 22.7067% | 1,844 |
Efficiency ratio | 65.2803% | 3,388 |
Assets per employee ($millions) | 4.3716% | 3,373 |
Cash dividends to net income (ytd only)* | 52.1588% | 2,172 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1424% | 411 |
Loan loss allowance to noncurrent loans | 110.1171% | 3,354 |
Noncurrent assets plus other real estate owned to assets | 1.1834% | 1,254 |
Noncurrent loans to loans | 1.9455% | 795 |
Net loans and leases to total assets | 31.7760% | 5,397 |
Net loans and leases to deposits | 35.8188% | 5,433 |
Net loans and leases to core deposits | 35.9859% | 5,459 |
Total domestic deposits to total assets | 88.7132% | 1,139 |
Equity capital to assets | 11.1906% | 2,436 |
Core capital (leverage) ratio | 10.9034% | 2,426 |
Tier 1 risk-based capital ratio | 29.0234% | 496 |
Total risk-based capital ratio | 30.2794% | 488 |
Memoranda: | ||
Average total assets | $150,451,800 | 3,467 |
Average earning assets | $141,743,400 | 3,426 |
Average equity | $16,663,000 | 3,516 |
Average total loans | $46,166,400 | 4,561 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2229% | 5,208 |
Cost of funding earning assets | 0.1105% | 5,520 |
Net interest margin | 3.1125% | 4,679 |
Noninterest income to average assets | 0.2350% | 4,805 |
Noninterest expense to average assets | 2.0268% | 4,895 |
Loan and lease loss provision to assets | 0.0159% | 3,825 |
Net operating income to assets | 1.0055% | 2,531 |
Return on assets (ROA) | 1.0055% | 2,572 |
Pretax return on assets | 1.1292% | 3,188 |
Return on Equity (ROE) | 9.1017% | 2,553 |
Retained earnings to average equity (ytd only) | 6.2384% | 2,092 |
Net charge-offs to loans | 0.2220% | 979 |
Credit loss provision to net charge-offs | 23.6842% | 3,134 |
Earnings coverage of net charge-offs (x) | 17.0528% | 2,130 |
Efficiency ratio | 63.8997% | 3,565 |
Assets per employee ($millions) | 4.7772% | 2,728 |
Cash dividends to net income (ytd only)* | 31.4585% | 2,684 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9878% | 582 |
Loan loss allowance to noncurrent loans | 89.7267% | 3,721 |
Noncurrent assets plus other real estate owned to assets | 1.1735% | 1,403 |
Noncurrent loans to loans | 2.2154% | 738 |
Net loans and leases to total assets | 29.7760% | 5,504 |
Net loans and leases to deposits | 33.4874% | 5,538 |
Net loans and leases to core deposits | 33.6343% | 5,557 |
Total domestic deposits to total assets | 88.9170% | 929 |
Equity capital to assets | 10.9396% | 2,924 |
Core capital (leverage) ratio | 10.9899% | 2,469 |
Tier 1 risk-based capital ratio | 28.9190% | 522 |
Total risk-based capital ratio | 30.1743% | 512 |
Memoranda: | ||
Average total assets | $150,906,250 | 3,489 |
Average earning assets | $142,392,000 | 3,446 |
Average equity | $16,670,500 | 3,549 |
Average total loans | $45,642,000 | 4,620 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1793% | 5,265 |
Cost of funding earning assets | 0.1113% | 5,554 |
Net interest margin | 3.0680% | 4,749 |
Noninterest income to average assets | 0.2395% | 4,808 |
Noninterest expense to average assets | 2.1297% | 4,719 |
Loan and lease loss provision to assets | 0.0161% | 3,633 |
Net operating income to assets | 0.8974% | 2,927 |
Return on assets (ROA) | 0.8974% | 2,984 |
Pretax return on assets | 0.9861% | 3,616 |
Return on Equity (ROE) | 8.0953% | 2,969 |
Retained earnings to average equity (ytd only) | 5.1946% | 2,584 |
Net charge-offs to loans | 0.3430% | 587 |
Credit loss provision to net charge-offs | 15.5844% | 2,818 |
Earnings coverage of net charge-offs (x) | 9.6753% | 2,409 |
Efficiency ratio | 67.9983% | 3,016 |
Assets per employee ($millions) | 4.6351% | 2,882 |
Cash dividends to net income (ytd only)* | 35.8321% | 2,534 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0788% | 529 |
Loan loss allowance to noncurrent loans | 82.3171% | 3,902 |
Noncurrent assets plus other real estate owned to assets | 1.2664% | 1,318 |
Noncurrent loans to loans | 2.5253% | 589 |
Net loans and leases to total assets | 29.1028% | 5,565 |
Net loans and leases to deposits | 32.7955% | 5,595 |
Net loans and leases to core deposits | 32.9438% | 5,615 |
Total domestic deposits to total assets | 88.7400% | 1,086 |
Equity capital to assets | 11.0913% | 2,712 |
Core capital (leverage) ratio | 10.9984% | 2,404 |
Tier 1 risk-based capital ratio | 29.5631% | 487 |
Total risk-based capital ratio | 30.8181% | 478 |
Memoranda: | ||
Average total assets | $148,659,330 | 3,539 |
Average earning assets | $140,154,670 | 3,493 |
Average equity | $16,478,670 | 3,581 |
Average total loans | $44,891,670 | 4,663 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1690% | 5,283 |
Cost of funding earning assets | 0.1102% | 5,612 |
Net interest margin | 3.0588% | 4,769 |
Noninterest income to average assets | 0.2539% | 4,722 |
Noninterest expense to average assets | 2.0531% | 4,935 |
Loan and lease loss provision to assets | 0.0164% | 3,360 |
Net operating income to assets | 1.0266% | 2,185 |
Return on assets (ROA) | 1.0266% | 2,240 |
Pretax return on assets | 1.0648% | 3,114 |
Return on Equity (ROE) | 9.2637% | 2,288 |
Retained earnings to average equity (ytd only) | 6.3072% | 2,183 |
Net charge-offs to loans | 0.2152% | 822 |
Credit loss provision to net charge-offs | 25.0000% | 2,145 |
Earnings coverage of net charge-offs (x) | 16.5000% | 1,640 |
Efficiency ratio | 65.5052% | 3,574 |
Assets per employee ($millions) | 4.7378% | 2,783 |
Cash dividends to net income (ytd only)* | 31.9149% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2330% | 452 |
Loan loss allowance to noncurrent loans | 117.3964% | 3,319 |
Noncurrent assets plus other real estate owned to assets | 1.0778% | 1,660 |
Noncurrent loans to loans | 1.9021% | 951 |
Net loans and leases to total assets | 28.6476% | 5,614 |
Net loans and leases to deposits | 32.1561% | 5,652 |
Net loans and leases to core deposits | 32.2399% | 5,662 |
Total domestic deposits to total assets | 89.0890% | 1,105 |
Equity capital to assets | 10.8306% | 2,821 |
Core capital (leverage) ratio | 11.0903% | 2,277 |
Tier 1 risk-based capital ratio | 29.9494% | 481 |
Total risk-based capital ratio | 31.2062% | 482 |
Memoranda: | ||
Average total assets | $146,510,000 | 3,596 |
Average earning assets | $137,963,000 | 3,554 |
Average equity | $16,235,500 | 3,633 |
Average total loans | $44,607,500 | 4,712 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2367% | 5,250 |
Cost of funding earning assets | 0.1097% | 5,658 |
Net interest margin | 3.1270% | 4,652 |
Noninterest income to average assets | 0.1703% | 5,371 |
Noninterest expense to average assets | 2.0715% | 5,047 |
Loan and lease loss provision to assets | -0.0606% | 5,614 |
Net operating income to assets | 0.9937% | 2,375 |
Return on assets (ROA) | 0.9937% | 2,483 |
Pretax return on assets | 1.1034% | 3,091 |
Return on Equity (ROE) | 8.5051% | 2,671 |
Retained earnings to average equity (ytd only) | 3.9385% | 3,120 |
Net charge-offs to loans | 0.1222% | 2,038 |
Credit loss provision to net charge-offs | -160.3774% | 4,962 |
Earnings coverage of net charge-offs (x) | 27.6226% | 1,507 |
Efficiency ratio | 66.5142% | 3,507 |
Assets per employee ($millions) | 4.4191% | 3,239 |
Cash dividends to net income (ytd only)* | 53.6918% | 2,096 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2549% | 435 |
Loan loss allowance to noncurrent loans | 153.2625% | 2,774 |
Noncurrent assets plus other real estate owned to assets | 1.0240% | 1,851 |
Noncurrent loans to loans | 1.4713% | 1,374 |
Net loans and leases to total assets | 30.9599% | 5,623 |
Net loans and leases to deposits | 34.9493% | 5,662 |
Net loans and leases to core deposits | 35.1181% | 5,694 |
Total domestic deposits to total assets | 88.5851% | 1,330 |
Equity capital to assets | 11.3505% | 2,293 |
Core capital (leverage) ratio | 11.3076% | 2,076 |
Tier 1 risk-based capital ratio | 30.3674% | 468 |
Total risk-based capital ratio | 31.6258% | 465 |
Memoranda: | ||
Average total assets | $140,379,600 | 3,669 |
Average earning assets | $132,171,400 | 3,616 |
Average equity | $16,402,000 | 3,637 |
Average total loans | $43,370,800 | 4,771 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2398% | 5,302 |
Cost of funding earning assets | 0.1091% | 5,724 |
Net interest margin | 3.1306% | 4,697 |
Noninterest income to average assets | 0.2645% | 4,881 |
Noninterest expense to average assets | 1.9954% | 5,213 |
Loan and lease loss provision to assets | 0.0171% | 3,903 |
Net operating income to assets | 1.0914% | 2,033 |
Return on assets (ROA) | 1.0914% | 2,138 |
Pretax return on assets | 1.1999% | 2,832 |
Return on Equity (ROE) | 9.2742% | 2,370 |
Retained earnings to average equity (ytd only) | 6.3795% | 1,969 |
Net charge-offs to loans | 0.1240% | 1,719 |
Credit loss provision to net charge-offs | 45.0000% | 3,096 |
Earnings coverage of net charge-offs (x) | 31.9762% | 1,425 |
Efficiency ratio | 62.1149% | 4,210 |
Assets per employee ($millions) | 5.0554% | 2,304 |
Cash dividends to net income (ytd only)* | 31.2117% | 2,776 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5495% | 319 |
Loan loss allowance to noncurrent loans | 156.8245% | 2,702 |
Noncurrent assets plus other real estate owned to assets | 1.1166% | 1,816 |
Noncurrent loans to loans | 1.6257% | 1,320 |
Net loans and leases to total assets | 29.3569% | 5,725 |
Net loans and leases to deposits | 33.2851% | 5,769 |
Net loans and leases to core deposits | 33.4408% | 5,787 |
Total domestic deposits to total assets | 88.1983% | 1,298 |
Equity capital to assets | 11.5336% | 2,487 |
Core capital (leverage) ratio | 11.5197% | 2,013 |
Tier 1 risk-based capital ratio | 30.5202% | 463 |
Total risk-based capital ratio | 31.7804% | 459 |
Memoranda: | ||
Average total assets | $140,121,500 | 3,693 |
Average earning assets | $131,940,000 | 3,639 |
Average equity | $16,489,750 | 3,660 |
Average total loans | $43,015,750 | 4,827 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2688% | 5,344 |
Cost of funding earning assets | 0.1094% | 5,813 |
Net interest margin | 3.1594% | 4,672 |
Noninterest income to average assets | 0.2522% | 4,965 |
Noninterest expense to average assets | 2.0731% | 5,115 |
Loan and lease loss provision to assets | 0.0174% | 3,772 |
Net operating income to assets | 1.0510% | 2,164 |
Return on assets (ROA) | 1.0510% | 2,291 |
Pretax return on assets | 1.1351% | 3,060 |
Return on Equity (ROE) | 8.8685% | 2,549 |
Retained earnings to average equity (ytd only) | 5.9450% | 2,145 |
Net charge-offs to loans | 0.0985% | 1,855 |
Credit loss provision to net charge-offs | 57.1429% | 2,603 |
Earnings coverage of net charge-offs (x) | 37.8571% | 1,194 |
Efficiency ratio | 64.2697% | 3,971 |
Assets per employee ($millions) | 4.5504% | 2,938 |
Cash dividends to net income (ytd only)* | 32.9655% | 2,722 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6160% | 315 |
Loan loss allowance to noncurrent loans | 185.2033% | 2,440 |
Noncurrent assets plus other real estate owned to assets | 1.0775% | 1,970 |
Noncurrent loans to loans | 1.4125% | 1,573 |
Net loans and leases to total assets | 30.0579% | 5,778 |
Net loans and leases to deposits | 34.2776% | 5,818 |
Net loans and leases to core deposits | 34.4452% | 5,837 |
Total domestic deposits to total assets | 87.6897% | 1,580 |
Equity capital to assets | 11.9480% | 2,165 |
Core capital (leverage) ratio | 11.2999% | 2,151 |
Tier 1 risk-based capital ratio | 30.9133% | 461 |
Total risk-based capital ratio | 32.1760% | 452 |
Memoranda: | ||
Average total assets | $137,960,000 | 3,751 |
Average earning assets | $129,833,000 | 3,695 |
Average equity | $16,350,000 | 3,688 |
Average total loans | $42,632,670 | 4,874 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2846% | 5,347 |
Cost of funding earning assets | 0.1092% | 5,871 |
Net interest margin | 3.1754% | 4,655 |
Noninterest income to average assets | 0.2551% | 4,915 |
Noninterest expense to average assets | 1.9852% | 5,372 |
Loan and lease loss provision to assets | 0.0176% | 3,458 |
Net operating income to assets | 1.1290% | 1,795 |
Return on assets (ROA) | 1.1290% | 1,903 |
Pretax return on assets | 1.2375% | 2,545 |
Return on Equity (ROE) | 9.5664% | 2,174 |
Retained earnings to average equity (ytd only) | 6.5847% | 2,091 |
Net charge-offs to loans | 0.1233% | 1,370 |
Credit loss provision to net charge-offs | 46.1538% | 2,084 |
Earnings coverage of net charge-offs (x) | 32.9231% | 1,131 |
Efficiency ratio | 61.2670% | 4,559 |
Assets per employee ($millions) | 4.4213% | 3,217 |
Cash dividends to net income (ytd only)* | 31.1688% | 2,337 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7149% | 306 |
Loan loss allowance to noncurrent loans | 161.6147% | 2,622 |
Noncurrent assets plus other real estate owned to assets | 1.1372% | 1,943 |
Noncurrent loans to loans | 1.6798% | 1,349 |
Net loans and leases to total assets | 28.8991% | 5,851 |
Net loans and leases to deposits | 32.7140% | 5,890 |
Net loans and leases to core deposits | 32.8721% | 5,908 |
Total domestic deposits to total assets | 88.3384% | 1,443 |
Equity capital to assets | 11.4757% | 2,462 |
Core capital (leverage) ratio | 11.3884% | 2,062 |
Tier 1 risk-based capital ratio | 31.0043% | 462 |
Total risk-based capital ratio | 32.2667% | 459 |
Memoranda: | ||
Average total assets | $136,409,500 | 3,800 |
Average earning assets | $128,236,500 | 3,748 |
Average equity | $16,098,000 | 3,715 |
Average total loans | $42,179,500 | 4,929 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3843% | 5,196 |
Cost of funding earning assets | 0.1172% | 5,893 |
Net interest margin | 3.2670% | 4,415 |
Noninterest income to average assets | 0.2783% | 4,892 |
Noninterest expense to average assets | 2.1924% | 5,060 |
Loan and lease loss provision to assets | 0.0705% | 2,869 |
Net operating income to assets | 1.0261% | 2,227 |
Return on assets (ROA) | 1.0261% | 2,307 |
Pretax return on assets | 1.0883% | 3,117 |
Return on Equity (ROE) | 8.7064% | 2,625 |
Retained earnings to average equity (ytd only) | 3.9586% | 3,217 |
Net charge-offs to loans | 0.1363% | 1,995 |
Credit loss provision to net charge-offs | 162.0690% | 1,662 |
Earnings coverage of net charge-offs (x) | 26.6379% | 1,577 |
Efficiency ratio | 65.4208% | 4,001 |
Assets per employee ($millions) | 4.1043% | 3,753 |
Cash dividends to net income (ytd only)* | 54.5322% | 2,042 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7120% | 310 |
Loan loss allowance to noncurrent loans | 201.0508% | 2,249 |
Noncurrent assets plus other real estate owned to assets | 1.1017% | 1,991 |
Noncurrent loans to loans | 1.3489% | 1,740 |
Net loans and leases to total assets | 31.3567% | 5,851 |
Net loans and leases to deposits | 35.7715% | 5,898 |
Net loans and leases to core deposits | 35.9592% | 5,922 |
Total domestic deposits to total assets | 87.6585% | 1,813 |
Equity capital to assets | 12.1519% | 1,846 |
Core capital (leverage) ratio | 11.4321% | 2,012 |
Tier 1 risk-based capital ratio | 30.1940% | 495 |
Total risk-based capital ratio | 31.4571% | 492 |
Memoranda: | ||
Average total assets | $133,321,200 | 3,824 |
Average earning assets | $125,404,400 | 3,784 |
Average equity | $15,712,600 | 3,727 |
Average total loans | $42,546,800 | 4,918 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3562% | 5,303 |
Cost of funding earning assets | 0.1196% | 5,982 |
Net interest margin | 3.2366% | 4,561 |
Noninterest income to average assets | 0.2889% | 4,878 |
Noninterest expense to average assets | 2.0924% | 5,286 |
Loan and lease loss provision to assets | 0.0179% | 3,920 |
Net operating income to assets | 1.1707% | 1,749 |
Return on assets (ROA) | 1.1707% | 1,821 |
Pretax return on assets | 1.2255% | 2,709 |
Return on Equity (ROE) | 10.0099% | 2,099 |
Retained earnings to average equity (ytd only) | 6.9771% | 1,698 |
Net charge-offs to loans | 0.1252% | 1,877 |
Credit loss provision to net charge-offs | 45.0000% | 3,100 |
Earnings coverage of net charge-offs (x) | 31.2012% | 1,459 |
Efficiency ratio | 62.7240% | 4,454 |
Assets per employee ($millions) | 4.5497% | 2,923 |
Cash dividends to net income (ytd only)* | 30.2975% | 2,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5455% | 409 |
Loan loss allowance to noncurrent loans | 180.1653% | 2,457 |
Noncurrent assets plus other real estate owned to assets | 1.0515% | 2,252 |
Noncurrent loans to loans | 1.4129% | 1,798 |
Net loans and leases to total assets | 29.5879% | 5,987 |
Net loans and leases to deposits | 33.4482% | 6,025 |
Net loans and leases to core deposits | 33.7460% | 6,050 |
Total domestic deposits to total assets | 88.4587% | 1,310 |
Equity capital to assets | 11.4002% | 2,586 |
Core capital (leverage) ratio | 11.6722% | 1,905 |
Tier 1 risk-based capital ratio | 30.1588% | 515 |
Total risk-based capital ratio | 31.4194% | 507 |
Memoranda: | ||
Average total assets | $133,817,250 | 3,865 |
Average earning assets | $125,974,000 | 3,813 |
Average equity | $15,650,750 | 3,771 |
Average total loans | $42,600,750 | 4,966 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3980% | 5,233 |
Cost of funding earning assets | 0.1260% | 6,009 |
Net interest margin | 3.2720% | 4,414 |
Noninterest income to average assets | 0.2816% | 4,941 |
Noninterest expense to average assets | 2.1931% | 5,134 |
Loan and lease loss provision to assets | 0.0183% | 3,761 |
Net operating income to assets | 1.1293% | 1,838 |
Return on assets (ROA) | 1.1293% | 1,920 |
Pretax return on assets | 1.1521% | 2,966 |
Return on Equity (ROE) | 9.5693% | 2,270 |
Retained earnings to average equity (ytd only) | 6.5128% | 1,938 |
Net charge-offs to loans | -0.0188% | 5,152 |
Credit loss provision to net charge-offs | -300.0000% | 5,109 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.2036% | 4,148 |
Assets per employee ($millions) | 4.0988% | 3,684 |
Cash dividends to net income (ytd only)* | 31.9407% | 2,744 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6220% | 418 |
Loan loss allowance to noncurrent loans | 75.8574% | 4,323 |
Noncurrent assets plus other real estate owned to assets | 1.1666% | 2,177 |
Noncurrent loans to loans | 3.4565% | 513 |
Net loans and leases to total assets | 30.9722% | 6,008 |
Net loans and leases to deposits | 35.0525% | 6,062 |
Net loans and leases to core deposits | 35.3781% | 6,082 |
Total domestic deposits to total assets | 88.3595% | 1,462 |
Equity capital to assets | 11.5304% | 2,389 |
Core capital (leverage) ratio | 11.2007% | 2,247 |
Tier 1 risk-based capital ratio | 29.7480% | 560 |
Total risk-based capital ratio | 31.0091% | 549 |
Memoranda: | ||
Average total assets | $131,409,330 | 3,936 |
Average earning assets | $123,779,330 | 3,886 |
Average equity | $15,508,000 | 3,813 |
Average total loans | $42,527,330 | 5,010 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4441% | 5,104 |
Cost of funding earning assets | 0.1313% | 6,052 |
Net interest margin | 3.3127% | 4,160 |
Noninterest income to average assets | 0.2904% | 4,854 |
Noninterest expense to average assets | 2.1563% | 5,255 |
Loan and lease loss provision to assets | 0.0185% | 3,475 |
Net operating income to assets | 1.2326% | 1,455 |
Return on assets (ROA) | 1.2326% | 1,543 |
Pretax return on assets | 1.2326% | 2,539 |
Return on Equity (ROE) | 10.3207% | 1,860 |
Retained earnings to average equity (ytd only) | 7.2685% | 1,873 |
Net charge-offs to loans | -0.0378% | 5,380 |
Credit loss provision to net charge-offs | -150.0000% | 4,559 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.2820% | 4,591 |
Assets per employee ($millions) | 4.2240% | 3,522 |
Cash dividends to net income (ytd only)* | 29.5739% | 2,354 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6491% | 432 |
Loan loss allowance to noncurrent loans | 74.3539% | 4,319 |
Noncurrent assets plus other real estate owned to assets | 1.1837% | 2,266 |
Noncurrent loans to loans | 3.5628% | 529 |
Net loans and leases to total assets | 30.5043% | 6,054 |
Net loans and leases to deposits | 34.6409% | 6,108 |
Net loans and leases to core deposits | 34.9640% | 6,123 |
Total domestic deposits to total assets | 88.0586% | 1,787 |
Equity capital to assets | 11.6255% | 2,354 |
Core capital (leverage) ratio | 11.6571% | 1,884 |
Tier 1 risk-based capital ratio | 30.5966% | 512 |
Total risk-based capital ratio | 31.8476% | 507 |
Memoranda: | ||
Average total assets | $129,484,000 | 4,001 |
Average earning assets | $121,832,500 | 3,938 |
Average equity | $15,464,000 | 3,839 |
Average total loans | $42,280,500 | 5,058 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5025% | 5,310 |
Cost of funding earning assets | 0.1364% | 6,171 |
Net interest margin | 3.3661% | 4,350 |
Noninterest income to average assets | 0.3143% | 4,873 |
Noninterest expense to average assets | 2.2115% | 5,328 |
Loan and lease loss provision to assets | 0.0807% | 2,864 |
Net operating income to assets | 1.0351% | 2,235 |
Return on assets (ROA) | 1.0351% | 2,314 |
Pretax return on assets | 1.1818% | 2,725 |
Return on Equity (ROE) | 8.8790% | 2,649 |
Retained earnings to average equity (ytd only) | 3.9203% | 3,423 |
Net charge-offs to loans | 0.0801% | 3,345 |
Credit loss provision to net charge-offs | 315.1515% | 827 |
Earnings coverage of net charge-offs (x) | 49.3030% | 935 |
Efficiency ratio | 63.6587% | 4,638 |
Assets per employee ($millions) | 3.7515% | 4,438 |
Cash dividends to net income (ytd only)* | 55.8471% | 1,962 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6346% | 467 |
Loan loss allowance to noncurrent loans | 78.9773% | 4,242 |
Noncurrent assets plus other real estate owned to assets | 1.1373% | 2,485 |
Noncurrent loans to loans | 3.3359% | 638 |
Net loans and leases to total assets | 33.1947% | 6,075 |
Net loans and leases to deposits | 37.9739% | 6,106 |
Net loans and leases to core deposits | 38.3635% | 6,141 |
Total domestic deposits to total assets | 87.4144% | 2,075 |
Equity capital to assets | 12.2892% | 1,793 |
Core capital (leverage) ratio | 11.3084% | 2,123 |
Tier 1 risk-based capital ratio | 31.3572% | 463 |
Total risk-based capital ratio | 32.6206% | 453 |
Memoranda: | ||
Average total assets | $128,873,200 | 3,995 |
Average earning assets | $120,971,000 | 3,943 |
Average equity | $15,024,200 | 3,830 |
Average total loans | $41,222,600 | 5,136 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4658% | 5,458 |
Cost of funding earning assets | 0.1365% | 6,256 |
Net interest margin | 3.3293% | 4,509 |
Noninterest income to average assets | 0.3186% | 4,885 |
Noninterest expense to average assets | 2.1064% | 5,554 |
Loan and lease loss provision to assets | 0.0184% | 4,039 |
Net operating income to assets | 1.1771% | 1,765 |
Return on assets (ROA) | 1.1771% | 1,835 |
Pretax return on assets | 1.3175% | 2,313 |
Return on Equity (ROE) | 10.2289% | 2,101 |
Retained earnings to average equity (ytd only) | 7.0507% | 1,792 |
Net charge-offs to loans | 0.1529% | 2,264 |
Credit loss provision to net charge-offs | 38.2979% | 3,315 |
Earnings coverage of net charge-offs (x) | 27.7425% | 1,438 |
Efficiency ratio | 61.1905% | 5,005 |
Assets per employee ($millions) | 4.2941% | 3,304 |
Cash dividends to net income (ytd only)* | 31.0707% | 2,754 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4187% | 713 |
Loan loss allowance to noncurrent loans | 77.1341% | 4,266 |
Noncurrent assets plus other real estate owned to assets | 0.9548% | 3,058 |
Noncurrent loans to loans | 3.1358% | 817 |
Net loans and leases to total assets | 29.7121% | 6,260 |
Net loans and leases to deposits | 33.5643% | 6,310 |
Net loans and leases to core deposits | 33.8900% | 6,322 |
Total domestic deposits to total assets | 88.5228% | 1,487 |
Equity capital to assets | 11.2377% | 2,715 |
Core capital (leverage) ratio | 11.4528% | 2,098 |
Tier 1 risk-based capital ratio | 31.7425% | 451 |
Total risk-based capital ratio | 33.0034% | 443 |
Memoranda: | ||
Average total assets | $130,141,500 | 4,002 |
Average earning assets | $122,105,500 | 3,947 |
Average equity | $14,976,750 | 3,860 |
Average total loans | $40,976,500 | 5,194 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5163% | 5,374 |
Cost of funding earning assets | 0.1403% | 6,315 |
Net interest margin | 3.3760% | 4,281 |
Noninterest income to average assets | 0.3101% | 4,934 |
Noninterest expense to average assets | 2.1172% | 5,592 |
Loan and lease loss provision to assets | 0.0188% | 3,894 |
Net operating income to assets | 1.1886% | 1,626 |
Return on assets (ROA) | 1.1886% | 1,698 |
Pretax return on assets | 1.3405% | 2,113 |
Return on Equity (ROE) | 10.2418% | 2,038 |
Retained earnings to average equity (ytd only) | 7.0033% | 1,772 |
Net charge-offs to loans | 0.2015% | 1,818 |
Credit loss provision to net charge-offs | 29.2683% | 3,065 |
Earnings coverage of net charge-offs (x) | 21.1707% | 1,557 |
Efficiency ratio | 60.9009% | 5,156 |
Assets per employee ($millions) | 3.9035% | 4,053 |
Cash dividends to net income (ytd only)* | 31.6206% | 2,723 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4527% | 760 |
Loan loss allowance to noncurrent loans | 89.7163% | 3,892 |
Noncurrent assets plus other real estate owned to assets | 0.8757% | 3,355 |
Noncurrent loans to loans | 2.7339% | 1,103 |
Net loans and leases to total assets | 31.2448% | 6,269 |
Net loans and leases to deposits | 35.5002% | 6,309 |
Net loans and leases to core deposits | 35.9585% | 6,332 |
Total domestic deposits to total assets | 88.0130% | 1,892 |
Equity capital to assets | 11.7479% | 2,206 |
Core capital (leverage) ratio | 11.1969% | 2,247 |
Tier 1 risk-based capital ratio | 31.3605% | 470 |
Total risk-based capital ratio | 32.6215% | 464 |
Memoranda: | ||
Average total assets | $127,718,000 | 4,079 |
Average earning assets | $119,785,330 | 4,012 |
Average equity | $14,821,670 | 3,891 |
Average total loans | $40,688,670 | 5,242 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5165% | 5,376 |
Cost of funding earning assets | 0.1409% | 6,398 |
Net interest margin | 3.3756% | 4,241 |
Noninterest income to average assets | 0.3240% | 4,774 |
Noninterest expense to average assets | 2.2018% | 5,461 |
Loan and lease loss provision to assets | 0.0189% | 3,583 |
Net operating income to assets | 1.2487% | 1,352 |
Return on assets (ROA) | 1.2487% | 1,410 |
Pretax return on assets | 1.2676% | 2,222 |
Return on Equity (ROE) | 10.8278% | 1,745 |
Retained earnings to average equity (ytd only) | 7.5549% | 1,790 |
Net charge-offs to loans | 0.0990% | 2,176 |
Credit loss provision to net charge-offs | 60.0000% | 2,107 |
Earnings coverage of net charge-offs (x) | 40.9000% | 864 |
Efficiency ratio | 63.1199% | 4,985 |
Assets per employee ($millions) | 4.2218% | 3,483 |
Cash dividends to net income (ytd only)* | 30.2267% | 2,283 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5598% | 754 |
Loan loss allowance to noncurrent loans | 411.5079% | 1,133 |
Noncurrent assets plus other real estate owned to assets | 0.1865% | 5,664 |
Noncurrent loans to loans | 0.6221% | 4,306 |
Net loans and leases to total assets | 29.2192% | 6,385 |
Net loans and leases to deposits | 32.8690% | 6,405 |
Net loans and leases to core deposits | 33.1990% | 6,428 |
Total domestic deposits to total assets | 88.8960% | 1,729 |
Equity capital to assets | 10.9515% | 2,763 |
Core capital (leverage) ratio | 11.3365% | 2,104 |
Tier 1 risk-based capital ratio | 31.8111% | 453 |
Total risk-based capital ratio | 33.0730% | 451 |
Memoranda: | ||
Average total assets | $127,169,500 | 4,123 |
Average earning assets | $119,210,000 | 4,058 |
Average equity | $14,666,000 | 3,918 |
Average total loans | $40,403,000 | 5,303 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6623% | 5,238 |
Cost of funding earning assets | 0.1558% | 6,514 |
Net interest margin | 3.5065% | 3,869 |
Noninterest income to average assets | 0.3361% | 4,912 |
Noninterest expense to average assets | 2.3893% | 5,103 |
Loan and lease loss provision to assets | 0.0669% | 3,792 |
Net operating income to assets | 1.0695% | 2,039 |
Return on assets (ROA) | 1.0695% | 2,121 |
Pretax return on assets | 1.1703% | 2,689 |
Return on Equity (ROE) | 8.8432% | 2,620 |
Retained earnings to average equity (ytd only) | 3.7353% | 3,562 |
Net charge-offs to loans | 0.2033% | 2,844 |
Credit loss provision to net charge-offs | 102.5316% | 2,360 |
Earnings coverage of net charge-offs (x) | 18.9620% | 1,629 |
Efficiency ratio | 65.8848% | 4,583 |
Assets per employee ($millions) | 3.7263% | 4,421 |
Cash dividends to net income (ytd only)* | 57.7606% | 1,879 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5834% | 737 |
Loan loss allowance to noncurrent loans | 382.7206% | 1,211 |
Noncurrent assets plus other real estate owned to assets | 0.2281% | 5,597 |
Noncurrent loans to loans | 0.6750% | 4,287 |
Net loans and leases to total assets | 32.9193% | 6,342 |
Net loans and leases to deposits | 37.5245% | 6,384 |
Net loans and leases to core deposits | 37.9574% | 6,417 |
Total domestic deposits to total assets | 87.7276% | 2,352 |
Equity capital to assets | 12.1911% | 1,689 |
Core capital (leverage) ratio | 11.6280% | 1,874 |
Tier 1 risk-based capital ratio | 31.6718% | 442 |
Total risk-based capital ratio | 32.9342% | 435 |
Memoranda: | ||
Average total assets | $121,083,000 | 4,255 |
Average earning assets | $113,618,400 | 4,191 |
Average equity | $14,644,000 | 3,935 |
Average total loans | $38,864,200 | 5,397 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6293% | 5,360 |
Cost of funding earning assets | 0.1600% | 6,597 |
Net interest margin | 3.4693% | 4,019 |
Noninterest income to average assets | 0.3423% | 4,954 |
Noninterest expense to average assets | 2.2817% | 5,401 |
Loan and lease loss provision to assets | 0.0187% | 4,642 |
Net operating income to assets | 1.2100% | 1,598 |
Return on assets (ROA) | 1.2100% | 1,674 |
Pretax return on assets | 1.3010% | 2,324 |
Return on Equity (ROE) | 10.0242% | 2,170 |
Retained earnings to average equity (ytd only) | 6.7707% | 1,988 |
Net charge-offs to loans | 0.3012% | 2,025 |
Credit loss provision to net charge-offs | 19.5402% | 4,081 |
Earnings coverage of net charge-offs (x) | 13.8272% | 1,991 |
Efficiency ratio | 63.3567% | 4,911 |
Assets per employee ($millions) | 3.9220% | 3,999 |
Cash dividends to net income (ytd only)* | 32.4568% | 2,590 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4356% | 1,004 |
Loan loss allowance to noncurrent loans | 144.8430% | 2,597 |
Noncurrent assets plus other real estate owned to assets | 0.5330% | 4,848 |
Noncurrent loans to loans | 1.6815% | 2,667 |
Net loans and leases to total assets | 30.9279% | 6,496 |
Net loans and leases to deposits | 35.0180% | 6,541 |
Net loans and leases to core deposits | 35.5061% | 6,576 |
Total domestic deposits to total assets | 88.3200% | 1,932 |
Equity capital to assets | 11.6226% | 2,198 |
Core capital (leverage) ratio | 11.9838% | 1,681 |
Tier 1 risk-based capital ratio | 32.5013% | 423 |
Total risk-based capital ratio | 33.7642% | 414 |
Memoranda: | ||
Average total assets | $121,543,000 | 4,284 |
Average earning assets | $114,179,500 | 4,218 |
Average equity | $14,670,750 | 3,976 |
Average total loans | $38,506,500 | 5,460 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6547% | 5,277 |
Cost of funding earning assets | 0.1736% | 6,607 |
Net interest margin | 3.4811% | 3,862 |
Noninterest income to average assets | 0.3327% | 5,035 |
Noninterest expense to average assets | 2.2824% | 5,412 |
Loan and lease loss provision to assets | 0.0183% | 4,527 |
Net operating income to assets | 1.2577% | 1,438 |
Return on assets (ROA) | 1.2577% | 1,535 |
Pretax return on assets | 1.3009% | 2,293 |
Return on Equity (ROE) | 10.2866% | 2,091 |
Retained earnings to average equity (ytd only) | 7.0483% | 1,871 |
Net charge-offs to loans | 0.3309% | 1,862 |
Credit loss provision to net charge-offs | 17.4603% | 3,782 |
Earnings coverage of net charge-offs (x) | 12.5873% | 1,968 |
Efficiency ratio | 63.3718% | 4,950 |
Assets per employee ($millions) | 3.7089% | 4,382 |
Cash dividends to net income (ytd only)* | 31.4815% | 2,620 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5567% | 921 |
Loan loss allowance to noncurrent loans | 272.6519% | 1,532 |
Noncurrent assets plus other real estate owned to assets | 0.3050% | 5,560 |
Noncurrent loans to loans | 0.9377% | 4,049 |
Net loans and leases to total assets | 31.6951% | 6,521 |
Net loans and leases to deposits | 36.0641% | 6,557 |
Net loans and leases to core deposits | 36.5985% | 6,584 |
Total domestic deposits to total assets | 87.8855% | 2,325 |
Equity capital to assets | 12.0598% | 1,877 |
Core capital (leverage) ratio | 11.6167% | 1,849 |
Tier 1 risk-based capital ratio | 33.2359% | 400 |
Total risk-based capital ratio | 34.4993% | 391 |
Memoranda: | ||
Average total assets | $120,222,330 | 4,343 |
Average earning assets | $112,895,330 | 4,270 |
Average equity | $14,698,670 | 4,008 |
Average total loans | $38,080,330 | 5,504 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6434% | 5,331 |
Cost of funding earning assets | 0.1832% | 6,656 |
Net interest margin | 3.4602% | 3,860 |
Noninterest income to average assets | 0.3339% | 5,027 |
Noninterest expense to average assets | 2.3803% | 5,182 |
Loan and lease loss provision to assets | 0.0165% | 4,256 |
Net operating income to assets | 1.1836% | 1,576 |
Return on assets (ROA) | 1.1836% | 1,686 |
Pretax return on assets | 1.1836% | 2,637 |
Return on Equity (ROE) | 9.6162% | 2,225 |
Retained earnings to average equity (ytd only) | 6.4198% | 2,448 |
Net charge-offs to loans | 0.1163% | 2,730 |
Credit loss provision to net charge-offs | 45.4545% | 2,673 |
Earnings coverage of net charge-offs (x) | 33.0000% | 913 |
Efficiency ratio | 66.4820% | 4,581 |
Assets per employee ($millions) | 3.9633% | 4,031 |
Cash dividends to net income (ytd only)* | 33.2402% | 2,009 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7196% | 897 |
Loan loss allowance to noncurrent loans | 248.9157% | 1,568 |
Noncurrent assets plus other real estate owned to assets | 0.3272% | 5,603 |
Noncurrent loans to loans | 1.0926% | 3,960 |
Net loans and leases to total assets | 29.1357% | 6,637 |
Net loans and leases to deposits | 33.1857% | 6,663 |
Net loans and leases to core deposits | 33.6457% | 6,683 |
Total domestic deposits to total assets | 87.7957% | 2,460 |
Equity capital to assets | 11.7359% | 2,228 |
Core capital (leverage) ratio | 11.4467% | 1,910 |
Tier 1 risk-based capital ratio | 33.8135% | 382 |
Total risk-based capital ratio | 35.0802% | 378 |
Memoranda: | ||
Average total assets | $120,991,500 | 4,376 |
Average earning assets | $113,520,500 | 4,299 |
Average equity | $14,891,500 | 4,015 |
Average total loans | $37,818,500 | 5,552 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9712% | 5,394 |
Cost of funding earning assets | 0.2207% | 6,775 |
Net interest margin | 3.7505% | 3,432 |
Noninterest income to average assets | 0.3609% | 4,902 |
Noninterest expense to average assets | 2.4387% | 5,287 |
Loan and lease loss provision to assets | 0.1975% | 3,162 |
Net operating income to assets | 1.0762% | 2,031 |
Return on assets (ROA) | 1.1001% | 2,122 |
Pretax return on assets | 1.2556% | 2,587 |
Return on Equity (ROE) | 8.6009% | 2,829 |
Retained earnings to average equity (ytd only) | 3.5046% | 3,750 |
Net charge-offs to loans | 0.1389% | 4,304 |
Credit loss provision to net charge-offs | 426.4151% | 564 |
Earnings coverage of net charge-offs (x) | 30.7925% | 990 |
Efficiency ratio | 63.1020% | 5,058 |
Assets per employee ($millions) | 3.5987% | 4,780 |
Cash dividends to net income (ytd only)* | 59.2534% | 1,841 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7594% | 865 |
Loan loss allowance to noncurrent loans | 1,298.7500% | 378 |
Noncurrent assets plus other real estate owned to assets | 0.0695% | 6,432 |
Noncurrent loans to loans | 0.2125% | 5,942 |
Net loans and leases to total assets | 31.7943% | 6,636 |
Net loans and leases to deposits | 36.8069% | 6,664 |
Net loans and leases to core deposits | 37.4825% | 6,691 |
Total domestic deposits to total assets | 86.3814% | 3,163 |
Equity capital to assets | 12.9378% | 1,479 |
Core capital (leverage) ratio | 11.6005% | 1,804 |
Tier 1 risk-based capital ratio | 33.7117% | 371 |
Total risk-based capital ratio | 34.9788% | 368 |
Memoranda: | ||
Average total assets | $114,448,000 | 4,480 |
Average earning assets | $106,919,800 | 4,418 |
Average equity | $14,638,000 | 4,033 |
Average total loans | $38,157,400 | 5,582 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0033% | 5,511 |
Cost of funding earning assets | 0.2286% | 6,878 |
Net interest margin | 3.7746% | 3,443 |
Noninterest income to average assets | 0.3629% | 4,918 |
Noninterest expense to average assets | 2.3721% | 5,479 |
Loan and lease loss provision to assets | 0.0630% | 4,922 |
Net operating income to assets | 1.3220% | 1,391 |
Return on assets (ROA) | 1.3220% | 1,524 |
Pretax return on assets | 1.4527% | 2,068 |
Return on Equity (ROE) | 10.3661% | 2,190 |
Retained earnings to average equity (ytd only) | 7.1090% | 2,055 |
Net charge-offs to loans | 0.1149% | 4,232 |
Credit loss provision to net charge-offs | 163.6364% | 1,700 |
Earnings coverage of net charge-offs (x) | 39.3627% | 891 |
Efficiency ratio | 61.0144% | 5,311 |
Assets per employee ($millions) | 3.7031% | 4,536 |
Cash dividends to net income (ytd only)* | 31.4207% | 2,569 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3699% | 1,404 |
Loan loss allowance to noncurrent loans | 518.7135% | 738 |
Noncurrent assets plus other real estate owned to assets | 0.2160% | 6,171 |
Noncurrent loans to loans | 0.4569% | 5,533 |
Net loans and leases to total assets | 29.9019% | 6,822 |
Net loans and leases to deposits | 34.4155% | 6,853 |
Net loans and leases to core deposits | 35.0060% | 6,874 |
Total domestic deposits to total assets | 86.8849% | 2,745 |
Equity capital to assets | 12.3941% | 1,968 |
Core capital (leverage) ratio | 12.1154% | 1,584 |
Tier 1 risk-based capital ratio | 34.5074% | 371 |
Total risk-based capital ratio | 35.7708% | 368 |
Memoranda: | ||
Average total assets | $114,270,250 | 4,531 |
Average earning assets | $106,709,500 | 4,470 |
Average equity | $14,572,750 | 4,083 |
Average total loans | $38,283,500 | 5,643 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1320% | 5,187 |
Cost of funding earning assets | 0.2476% | 6,920 |
Net interest margin | 3.8845% | 2,980 |
Noninterest income to average assets | 0.3297% | 5,188 |
Noninterest expense to average assets | 2.4421% | 5,321 |
Loan and lease loss provision to assets | 0.0645% | 4,840 |
Net operating income to assets | 1.3760% | 1,245 |
Return on assets (ROA) | 1.3760% | 1,401 |
Pretax return on assets | 1.4495% | 2,012 |
Return on Equity (ROE) | 10.6803% | 2,098 |
Retained earnings to average equity (ytd only) | 7.3844% | 1,923 |
Net charge-offs to loans | 0.0104% | 5,317 |
Credit loss provision to net charge-offs | 1,800.0000% | 174 |
Earnings coverage of net charge-offs (x) | 422.5000% | 99 |
Efficiency ratio | 61.7301% | 5,293 |
Assets per employee ($millions) | 3.2870% | 5,478 |
Cash dividends to net income (ytd only)* | 30.8594% | 2,580 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3196% | 1,559 |
Loan loss allowance to noncurrent loans | 459.1837% | 787 |
Noncurrent assets plus other real estate owned to assets | 0.2872% | 6,050 |
Noncurrent loans to loans | 0.5052% | 5,523 |
Net loans and leases to total assets | 33.9120% | 6,727 |
Net loans and leases to deposits | 39.3629% | 6,757 |
Net loans and leases to core deposits | 40.2513% | 6,798 |
Total domestic deposits to total assets | 86.1521% | 3,282 |
Equity capital to assets | 13.1634% | 1,445 |
Core capital (leverage) ratio | 12.0187% | 1,591 |
Tier 1 risk-based capital ratio | 33.1791% | 396 |
Total risk-based capital ratio | 34.4407% | 390 |
Memoranda: | ||
Average total assets | $111,626,000 | 4,628 |
Average earning assets | $104,210,330 | 4,563 |
Average equity | $14,381,670 | 4,115 |
Average total loans | $38,568,670 | 5,663 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1319% | 5,350 |
Cost of funding earning assets | 0.2537% | 7,001 |
Net interest margin | 3.8782% | 3,016 |
Noninterest income to average assets | 0.3442% | 5,105 |
Noninterest expense to average assets | 2.4955% | 5,164 |
Loan and lease loss provision to assets | 0.0645% | 4,618 |
Net operating income to assets | 1.3195% | 1,401 |
Return on assets (ROA) | 1.3195% | 1,571 |
Pretax return on assets | 1.4019% | 2,182 |
Return on Equity (ROE) | 10.3538% | 2,281 |
Retained earnings to average equity (ytd only) | 7.0338% | 2,421 |
Net charge-offs to loans | 0.0416% | 4,117 |
Credit loss provision to net charge-offs | 450.0000% | 718 |
Earnings coverage of net charge-offs (x) | 102.2500% | 339 |
Efficiency ratio | 62.9864% | 5,110 |
Assets per employee ($millions) | 3.6600% | 4,740 |
Cash dividends to net income (ytd only)* | 32.0652% | 2,023 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2881% | 1,694 |
Loan loss allowance to noncurrent loans | 369.7479% | 914 |
Noncurrent assets plus other real estate owned to assets | 0.3279% | 6,060 |
Noncurrent loans to loans | 0.6188% | 5,421 |
Net loans and leases to total assets | 32.0865% | 6,827 |
Net loans and leases to deposits | 36.8233% | 6,862 |
Net loans and leases to core deposits | 37.6048% | 6,892 |
Total domestic deposits to total assets | 87.1364% | 2,873 |
Equity capital to assets | 12.2318% | 1,892 |
Core capital (leverage) ratio | 12.0563% | 1,556 |
Tier 1 risk-based capital ratio | 32.9241% | 396 |
Total risk-based capital ratio | 34.1867% | 389 |
Memoranda: | ||
Average total assets | $111,560,500 | 4,668 |
Average earning assets | $104,068,500 | 4,597 |
Average equity | $14,217,000 | 4,160 |
Average total loans | $38,453,500 | 5,710 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3883% | 5,473 |
Cost of funding earning assets | 0.2967% | 7,111 |
Net interest margin | 4.0916% | 2,459 |
Noninterest income to average assets | 0.3541% | 4,970 |
Noninterest expense to average assets | 2.6264% | 4,995 |
Loan and lease loss provision to assets | 0.2373% | 3,834 |
Net operating income to assets | 1.0401% | 2,042 |
Return on assets (ROA) | 1.1097% | 1,910 |
Pretax return on assets | 1.3506% | 1,950 |
Return on Equity (ROE) | 8.8983% | 2,499 |
Retained earnings to average equity (ytd only) | 3.4612% | 3,756 |
Net charge-offs to loans | 0.0896% | 5,442 |
Credit loss provision to net charge-offs | 764.7059% | 288 |
Earnings coverage of net charge-offs (x) | 48.4412% | 576 |
Efficiency ratio | 63.6022% | 5,195 |
Assets per employee ($millions) | 3.3125% | 5,475 |
Cash dividends to net income (ytd only)* | 61.1020% | 1,510 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2525% | 1,706 |
Loan loss allowance to noncurrent loans | 329.2776% | 1,016 |
Noncurrent assets plus other real estate owned to assets | 0.3858% | 6,007 |
Noncurrent loans to loans | 0.6841% | 5,333 |
Net loans and leases to total assets | 35.4538% | 6,790 |
Net loans and leases to deposits | 42.1624% | 6,797 |
Net loans and leases to core deposits | 43.0230% | 6,855 |
Total domestic deposits to total assets | 84.0887% | 4,283 |
Equity capital to assets | 13.3094% | 1,358 |
Core capital (leverage) ratio | 11.8157% | 1,698 |
Tier 1 risk-based capital ratio | 31.9157% | 428 |
Total risk-based capital ratio | 33.1770% | 417 |
Memoranda: | ||
Average total assets | $109,578,600 | 4,649 |
Average earning assets | $101,108,800 | 4,608 |
Average equity | $13,665,600 | 4,196 |
Average total loans | $37,951,000 | 5,788 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3569% | 5,750 |
Cost of funding earning assets | 0.3037% | 7,204 |
Net interest margin | 4.0532% | 2,680 |
Noninterest income to average assets | 0.3584% | 5,001 |
Noninterest expense to average assets | 2.5248% | 5,379 |
Loan and lease loss provision to assets | 0.0772% | 5,478 |
Net operating income to assets | 1.2927% | 1,398 |
Return on assets (ROA) | 1.3421% | 1,376 |
Pretax return on assets | 1.5497% | 1,518 |
Return on Equity (ROE) | 10.9379% | 1,886 |
Retained earnings to average equity (ytd only) | 7.4361% | 1,745 |
Net charge-offs to loans | 0.0352% | 5,651 |
Credit loss provision to net charge-offs | 640.0000% | 425 |
Earnings coverage of net charge-offs (x) | 130.1290% | 285 |
Efficiency ratio | 61.6564% | 5,465 |
Assets per employee ($millions) | 3.6706% | 4,595 |
Cash dividends to net income (ytd only)* | 32.0141% | 2,382 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8078% | 2,916 |
Loan loss allowance to noncurrent loans | 290.3766% | 1,070 |
Noncurrent assets plus other real estate owned to assets | 0.3261% | 6,257 |
Noncurrent loans to loans | 0.6226% | 5,644 |
Net loans and leases to total assets | 32.0920% | 7,024 |
Net loans and leases to deposits | 36.9117% | 7,063 |
Net loans and leases to core deposits | 37.5665% | 7,089 |
Total domestic deposits to total assets | 86.9427% | 2,690 |
Equity capital to assets | 12.1992% | 2,101 |
Core capital (leverage) ratio | 12.6269% | 1,376 |
Tier 1 risk-based capital ratio | 31.8825% | 456 |
Total risk-based capital ratio | 33.1386% | 450 |
Memoranda: | ||
Average total assets | $110,473,250 | 4,659 |
Average earning assets | $101,843,250 | 4,618 |
Average equity | $13,555,000 | 4,227 |
Average total loans | $37,827,000 | 5,843 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4337% | 5,576 |
Cost of funding earning assets | 0.3239% | 7,273 |
Net interest margin | 4.1098% | 2,371 |
Noninterest income to average assets | 0.3366% | 5,196 |
Noninterest expense to average assets | 2.5632% | 5,316 |
Loan and lease loss provision to assets | 0.0851% | 5,243 |
Net operating income to assets | 1.2920% | 1,340 |
Return on assets (ROA) | 1.3685% | 1,222 |
Pretax return on assets | 1.5535% | 1,370 |
Return on Equity (ROE) | 11.1303% | 1,754 |
Retained earnings to average equity (ytd only) | 7.5506% | 1,638 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.2921% | 5,544 |
Assets per employee ($millions) | 2.9999% | 6,089 |
Cash dividends to net income (ytd only)* | 32.1622% | 2,390 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7857% | 3,039 |
Loan loss allowance to noncurrent loans | 224.9180% | 1,365 |
Noncurrent assets plus other real estate owned to assets | 0.2748% | 6,442 |
Noncurrent loans to loans | 0.7939% | 5,327 |
Net loans and leases to total assets | 33.9934% | 7,045 |
Net loans and leases to deposits | 39.0719% | 7,092 |
Net loans and leases to core deposits | 40.6676% | 7,113 |
Total domestic deposits to total assets | 87.0021% | 2,734 |
Equity capital to assets | 12.4366% | 1,822 |
Core capital (leverage) ratio | 11.6665% | 1,801 |
Tier 1 risk-based capital ratio | 31.7603% | 462 |
Total risk-based capital ratio | 33.0161% | 451 |
Memoranda: | ||
Average total assets | $108,144,670 | 4,754 |
Average earning assets | $99,420,000 | 4,721 |
Average equity | $13,297,000 | 4,275 |
Average total loans | $37,639,670 | 5,907 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4014% | 5,694 |
Cost of funding earning assets | 0.3423% | 7,327 |
Net interest margin | 4.0591% | 2,439 |
Noninterest income to average assets | 0.3448% | 5,156 |
Noninterest expense to average assets | 2.6574% | 5,005 |
Loan and lease loss provision to assets | 0.0675% | 5,149 |
Net operating income to assets | 1.2832% | 1,313 |
Return on assets (ROA) | 1.4505% | 1,023 |
Pretax return on assets | 1.5292% | 1,362 |
Return on Equity (ROE) | 11.8680% | 1,495 |
Retained earnings to average equity (ytd only) | 8.2187% | 1,657 |
Net charge-offs to loans | -0.0322% | 6,734 |
Credit loss provision to net charge-offs | -600.0000% | 5,986 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.1654% | 5,172 |
Assets per employee ($millions) | 3.4883% | 5,023 |
Cash dividends to net income (ytd only)* | 30.7494% | 1,972 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7648% | 3,116 |
Loan loss allowance to noncurrent loans | 163.6139% | 1,790 |
Noncurrent assets plus other real estate owned to assets | 0.3619% | 6,303 |
Noncurrent loans to loans | 1.0787% | 4,891 |
Net loans and leases to total assets | 32.9613% | 7,126 |
Net loans and leases to deposits | 37.5286% | 7,181 |
Net loans and leases to core deposits | 39.0339% | 7,190 |
Total domestic deposits to total assets | 87.8298% | 2,469 |
Equity capital to assets | 11.8029% | 2,040 |
Core capital (leverage) ratio | 11.8127% | 1,671 |
Tier 1 risk-based capital ratio | 31.8883% | 440 |
Total risk-based capital ratio | 33.1437% | 433 |
Memoranda: | ||
Average total assets | $106,719,500 | 4,818 |
Average earning assets | $98,150,500 | 4,786 |
Average equity | $13,043,500 | 4,333 |
Average total loans | $37,251,000 | 5,978 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5568% | 6,229 |
Cost of funding earning assets | 0.4506% | 7,366 |
Net interest margin | 4.1062% | 2,531 |
Noninterest income to average assets | 0.3696% | 5,142 |
Noninterest expense to average assets | 2.6828% | 5,069 |
Loan and lease loss provision to assets | 0.1753% | 5,474 |
Net operating income to assets | 1.0206% | 1,965 |
Return on assets (ROA) | 1.1146% | 1,744 |
Pretax return on assets | 1.4157% | 1,622 |
Return on Equity (ROE) | 8.8906% | 2,337 |
Retained earnings to average equity (ytd only) | 3.2523% | 3,590 |
Net charge-offs to loans | 0.2636% | 4,717 |
Credit loss provision to net charge-offs | 191.6667% | 1,676 |
Earnings coverage of net charge-offs (x) | 16.0938% | 1,238 |
Efficiency ratio | 64.5723% | 5,248 |
Assets per employee ($millions) | 3.0853% | 5,910 |
Cash dividends to net income (ytd only)* | 63.4188% | 1,489 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7275% | 3,112 |
Loan loss allowance to noncurrent loans | 292.2374% | 1,046 |
Noncurrent assets plus other real estate owned to assets | 0.2151% | 6,692 |
Noncurrent loans to loans | 0.5911% | 5,865 |
Net loans and leases to total assets | 35.7593% | 7,166 |
Net loans and leases to deposits | 42.3339% | 7,174 |
Net loans and leases to core deposits | 44.0088% | 7,202 |
Total domestic deposits to total assets | 84.4697% | 4,136 |
Equity capital to assets | 12.6819% | 1,538 |
Core capital (leverage) ratio | 11.6695% | 1,747 |
Tier 1 risk-based capital ratio | 30.7053% | 482 |
Total risk-based capital ratio | 31.9589% | 472 |
Memoranda: | ||
Average total assets | $104,966,800 | 4,850 |
Average earning assets | $96,756,200 | 4,809 |
Average equity | $13,160,000 | 4,335 |
Average total loans | $36,417,600 | 6,096 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5385% | 6,505 |
Cost of funding earning assets | 0.4680% | 7,491 |
Net interest margin | 4.0705% | 2,758 |
Noninterest income to average assets | 0.3681% | 5,207 |
Noninterest expense to average assets | 2.5656% | 5,444 |
Loan and lease loss provision to assets | 0.0857% | 6,184 |
Net operating income to assets | 1.2024% | 1,589 |
Return on assets (ROA) | 1.2494% | 1,548 |
Pretax return on assets | 1.5356% | 1,520 |
Return on Equity (ROE) | 9.9932% | 2,125 |
Retained earnings to average equity (ytd only) | 6.4033% | 2,137 |
Net charge-offs to loans | 0.2978% | 4,173 |
Credit loss provision to net charge-offs | 83.9506% | 5,002 |
Earnings coverage of net charge-offs (x) | 15.3082% | 1,447 |
Efficiency ratio | 62.1374% | 5,599 |
Assets per employee ($millions) | 3.3116% | 5,428 |
Cash dividends to net income (ytd only)* | 35.9230% | 2,269 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4451% | 4,234 |
Loan loss allowance to noncurrent loans | 132.4324% | 2,144 |
Noncurrent assets plus other real estate owned to assets | 0.3724% | 6,473 |
Noncurrent loans to loans | 1.0912% | 5,060 |
Net loans and leases to total assets | 33.6368% | 7,357 |
Net loans and leases to deposits | 38.6497% | 7,406 |
Net loans and leases to core deposits | 40.7672% | 7,406 |
Total domestic deposits to total assets | 87.0299% | 2,511 |
Equity capital to assets | 12.2902% | 1,980 |
Core capital (leverage) ratio | 11.7051% | 1,814 |
Tier 1 risk-based capital ratio | 31.0868% | 470 |
Total risk-based capital ratio | 32.3388% | 462 |
Memoranda: | ||
Average total assets | $105,755,000 | 4,890 |
Average earning assets | $97,709,000 | 4,846 |
Average equity | $13,222,000 | 4,390 |
Average total loans | $36,260,000 | 6,189 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6081% | 6,434 |
Cost of funding earning assets | 0.4823% | 7,565 |
Net interest margin | 4.1257% | 2,450 |
Noninterest income to average assets | 0.3710% | 5,168 |
Noninterest expense to average assets | 2.5990% | 5,327 |
Loan and lease loss provision to assets | 0.0956% | 5,956 |
Net operating income to assets | 1.2450% | 1,438 |
Return on assets (ROA) | 1.2450% | 1,499 |
Pretax return on assets | 1.4879% | 1,586 |
Return on Equity (ROE) | 9.8994% | 2,135 |
Retained earnings to average equity (ytd only) | 6.2803% | 2,181 |
Net charge-offs to loans | 0.4065% | 3,361 |
Credit loss provision to net charge-offs | 68.4932% | 5,008 |
Earnings coverage of net charge-offs (x) | 11.3425% | 1,773 |
Efficiency ratio | 62.1399% | 5,666 |
Assets per employee ($millions) | 3.2052% | 5,678 |
Cash dividends to net income (ytd only)* | 36.5591% | 2,228 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4223% | 4,323 |
Loan loss allowance to noncurrent loans | 174.0132% | 1,626 |
Noncurrent assets plus other real estate owned to assets | 0.2874% | 6,697 |
Noncurrent loans to loans | 0.8173% | 5,641 |
Net loans and leases to total assets | 34.6639% | 7,397 |
Net loans and leases to deposits | 39.9601% | 7,445 |
Net loans and leases to core deposits | 40.7633% | 7,474 |
Total domestic deposits to total assets | 86.7461% | 2,679 |
Equity capital to assets | 12.5977% | 1,740 |
Core capital (leverage) ratio | 11.6247% | 1,845 |
Tier 1 risk-based capital ratio | 31.1273% | 452 |
Total risk-based capital ratio | 32.3773% | 446 |
Memoranda: | ||
Average total assets | $104,579,330 | 4,950 |
Average earning assets | $96,613,000 | 4,913 |
Average equity | $13,152,330 | 4,406 |
Average total loans | $35,914,000 | 6,247 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6037% | 6,554 |
Cost of funding earning assets | 0.4930% | 7,680 |
Net interest margin | 4.1107% | 2,397 |
Noninterest income to average assets | 0.3731% | 5,156 |
Noninterest expense to average assets | 2.6428% | 5,171 |
Loan and lease loss provision to assets | 0.0692% | 5,945 |
Net operating income to assets | 1.2464% | 1,412 |
Return on assets (ROA) | 1.2464% | 1,485 |
Pretax return on assets | 1.4464% | 1,648 |
Return on Equity (ROE) | 9.9189% | 2,130 |
Retained earnings to average equity (ytd only) | 6.2758% | 2,482 |
Net charge-offs to loans | 0.2268% | 3,565 |
Credit loss provision to net charge-offs | 90.0000% | 3,659 |
Earnings coverage of net charge-offs (x) | 19.7000% | 1,187 |
Efficiency ratio | 63.5523% | 5,576 |
Assets per employee ($millions) | 3.2731% | 5,603 |
Cash dividends to net income (ytd only)* | 36.7284% | 1,856 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5203% | 3,810 |
Loan loss allowance to noncurrent loans | 179.1531% | 1,564 |
Noncurrent assets plus other real estate owned to assets | 0.2842% | 6,765 |
Noncurrent loans to loans | 0.8486% | 5,618 |
Net loans and leases to total assets | 32.9852% | 7,532 |
Net loans and leases to deposits | 37.8526% | 7,584 |
Net loans and leases to core deposits | 38.5910% | 7,614 |
Total domestic deposits to total assets | 87.1412% | 2,554 |
Equity capital to assets | 12.2264% | 1,918 |
Core capital (leverage) ratio | 11.8337% | 1,730 |
Tier 1 risk-based capital ratio | 30.9573% | 478 |
Total risk-based capital ratio | 32.2087% | 468 |
Memoranda: | ||
Average total assets | $103,982,500 | 5,033 |
Average earning assets | $95,749,000 | 4,997 |
Average equity | $13,066,000 | 4,460 |
Average total loans | $35,274,000 | 6,352 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9096% | 6,686 |
Cost of funding earning assets | 0.6497% | 7,738 |
Net interest margin | 4.2599% | 1,856 |
Noninterest income to average assets | 0.3588% | 5,527 |
Noninterest expense to average assets | 2.6970% | 5,411 |
Loan and lease loss provision to assets | 0.1681% | 6,006 |
Net operating income to assets | 1.1144% | 1,476 |
Return on assets (ROA) | 1.1144% | 1,511 |
Pretax return on assets | 1.4223% | 1,378 |
Return on Equity (ROE) | 8.8672% | 2,069 |
Retained earnings to average equity (ytd only) | 3.0257% | 3,048 |
Net charge-offs to loans | 0.4939% | 3,795 |
Credit loss provision to net charge-offs | 102.3810% | 5,398 |
Earnings coverage of net charge-offs (x) | 9.6845% | 1,765 |
Efficiency ratio | 62.9047% | 5,983 |
Assets per employee ($millions) | 2.9398% | 6,367 |
Cash dividends to net income (ytd only)* | 65.8772% | 1,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6061% | 3,261 |
Loan loss allowance to noncurrent loans | 148.3871% | 1,930 |
Noncurrent assets plus other real estate owned to assets | 0.3722% | 6,519 |
Noncurrent loans to loans | 1.0823% | 5,158 |
Net loans and leases to total assets | 33.8339% | 7,595 |
Net loans and leases to deposits | 40.2552% | 7,623 |
Net loans and leases to core deposits | 43.0408% | 7,716 |
Total domestic deposits to total assets | 84.0485% | 4,006 |
Equity capital to assets | 12.9321% | 1,533 |
Core capital (leverage) ratio | 12.2398% | 1,557 |
Tier 1 risk-based capital ratio | 31.4463% | 463 |
Total risk-based capital ratio | 32.6988% | 456 |
Memoranda: | ||
Average total assets | $102,299,200 | 5,030 |
Average earning assets | $94,345,000 | 5,000 |
Average equity | $12,856,400 | 4,545 |
Average total loans | $34,017,200 | 6,395 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9089% | 6,861 |
Cost of funding earning assets | 0.6844% | 7,827 |
Net interest margin | 4.2245% | 1,959 |
Noninterest income to average assets | 0.3486% | 5,712 |
Noninterest expense to average assets | 2.6242% | 5,623 |
Loan and lease loss provision to assets | 0.0700% | 6,660 |
Net operating income to assets | 1.2492% | 1,344 |
Return on assets (ROA) | 1.2492% | 1,411 |
Pretax return on assets | 1.5577% | 1,270 |
Return on Equity (ROE) | 10.0109% | 1,904 |
Retained earnings to average equity (ytd only) | 6.2517% | 1,826 |
Net charge-offs to loans | 0.5737% | 2,958 |
Credit loss provision to net charge-offs | 36.9863% | 6,451 |
Earnings coverage of net charge-offs (x) | 8.6028% | 2,219 |
Efficiency ratio | 61.7190% | 6,160 |
Assets per employee ($millions) | 3.1701% | 5,725 |
Cash dividends to net income (ytd only)* | 37.5515% | 2,554 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3412% | 4,258 |
Loan loss allowance to noncurrent loans | 165.2174% | 1,764 |
Noncurrent assets plus other real estate owned to assets | 0.2638% | 6,846 |
Noncurrent loans to loans | 0.8118% | 5,681 |
Net loans and leases to total assets | 32.0639% | 7,749 |
Net loans and leases to deposits | 36.9120% | 7,804 |
Net loans and leases to core deposits | 39.1460% | 7,860 |
Total domestic deposits to total assets | 86.8659% | 2,251 |
Equity capital to assets | 12.5271% | 1,938 |
Core capital (leverage) ratio | 12.3184% | 1,658 |
Tier 1 risk-based capital ratio | 31.8998% | 475 |
Total risk-based capital ratio | 33.0840% | 470 |
Memoranda: | ||
Average total assets | $102,885,750 | 5,048 |
Average earning assets | $95,063,000 | 5,005 |
Average equity | $12,839,000 | 4,575 |
Average total loans | $33,929,000 | 6,449 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9910% | 6,806 |
Cost of funding earning assets | 0.7381% | 7,887 |
Net interest margin | 4.2529% | 1,809 |
Noninterest income to average assets | 0.3323% | 5,849 |
Noninterest expense to average assets | 2.7055% | 5,364 |
Loan and lease loss provision to assets | 0.0704% | 6,494 |
Net operating income to assets | 1.1983% | 1,482 |
Return on assets (ROA) | 1.1983% | 1,566 |
Pretax return on assets | 1.4876% | 1,484 |
Return on Equity (ROE) | 9.6154% | 2,161 |
Retained earnings to average equity (ytd only) | 5.8195% | 2,108 |
Net charge-offs to loans | 0.3244% | 3,558 |
Credit loss provision to net charge-offs | 65.4545% | 5,499 |
Earnings coverage of net charge-offs (x) | 14.4909% | 1,649 |
Efficiency ratio | 63.4571% | 6,013 |
Assets per employee ($millions) | 2.8833% | 6,436 |
Cash dividends to net income (ytd only)* | 39.4780% | 2,452 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5633% | 2,898 |
Loan loss allowance to noncurrent loans | 137.4026% | 2,149 |
Noncurrent assets plus other real estate owned to assets | 0.3815% | 6,504 |
Noncurrent loans to loans | 1.1377% | 4,941 |
Net loans and leases to total assets | 33.0080% | 7,807 |
Net loans and leases to deposits | 38.3182% | 7,854 |
Net loans and leases to core deposits | 41.3101% | 7,916 |
Total domestic deposits to total assets | 86.1418% | 2,714 |
Equity capital to assets | 12.7811% | 1,797 |
Core capital (leverage) ratio | 11.7637% | 1,945 |
Tier 1 risk-based capital ratio | 31.9772% | 501 |
Total risk-based capital ratio | 33.2278% | 492 |
Memoranda: | ||
Average total assets | $102,310,000 | 5,091 |
Average earning assets | $94,570,670 | 5,055 |
Average equity | $12,750,330 | 4,613 |
Average total loans | $33,905,670 | 6,506 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0711% | 6,736 |
Cost of funding earning assets | 0.8051% | 7,904 |
Net interest margin | 4.2659% | 1,688 |
Noninterest income to average assets | 0.3107% | 5,954 |
Noninterest expense to average assets | 2.6484% | 5,226 |
Loan and lease loss provision to assets | 0.0699% | 6,082 |
Net operating income to assets | 1.3164% | 1,344 |
Return on assets (ROA) | 1.3164% | 1,442 |
Pretax return on assets | 1.5222% | 1,606 |
Return on Equity (ROE) | 10.6970% | 2,067 |
Retained earnings to average equity (ytd only) | 6.8473% | 2,263 |
Net charge-offs to loans | 0.2593% | 3,106 |
Credit loss provision to net charge-offs | 81.8182% | 4,166 |
Earnings coverage of net charge-offs (x) | 18.6364% | 1,456 |
Efficiency ratio | 62.4542% | 5,970 |
Assets per employee ($millions) | 3.2331% | 5,506 |
Cash dividends to net income (ytd only)* | 35.9882% | 2,171 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6072% | 2,485 |
Loan loss allowance to noncurrent loans | 2,590.4762% | 184 |
Noncurrent assets plus other real estate owned to assets | 0.0647% | 7,403 |
Noncurrent loans to loans | 0.0620% | 7,354 |
Net loans and leases to total assets | 31.2141% | 7,886 |
Net loans and leases to deposits | 35.7436% | 7,947 |
Net loans and leases to core deposits | 38.4095% | 7,997 |
Total domestic deposits to total assets | 87.3280% | 2,049 |
Equity capital to assets | 12.0262% | 2,242 |
Core capital (leverage) ratio | 11.7018% | 2,041 |
Tier 1 risk-based capital ratio | 29.9559% | 621 |
Total risk-based capital ratio | 31.2074% | 610 |
Memoranda: | ||
Average total assets | $103,007,500 | 5,096 |
Average earning assets | $94,891,000 | 5,058 |
Average equity | $12,676,500 | 4,660 |
Average total loans | $33,939,000 | 6,543 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5974% | 7,074 |
Cost of funding earning assets | 1.1471% | 7,977 |
Net interest margin | 4.4503% | 1,537 |
Noninterest income to average assets | 0.3524% | 5,910 |
Noninterest expense to average assets | 2.6013% | 5,648 |
Loan and lease loss provision to assets | 0.3032% | 3,949 |
Net operating income to assets | 1.1606% | 1,906 |
Return on assets (ROA) | 1.1606% | 1,835 |
Pretax return on assets | 1.5532% | 1,530 |
Return on Equity (ROE) | 9.4226% | 2,468 |
Retained earnings to average equity (ytd only) | 3.2849% | 3,108 |
Net charge-offs to loans | 0.3282% | 3,206 |
Credit loss provision to net charge-offs | 269.6429% | 1,710 |
Earnings coverage of net charge-offs (x) | 16.5089% | 1,840 |
Efficiency ratio | 58.3559% | 6,634 |
Assets per employee ($millions) | 3.0098% | 6,039 |
Cash dividends to net income (ytd only)* | 65.1384% | 2,407 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6103% | 2,202 |
Loan loss allowance to noncurrent loans | 314.9425% | 1,283 |
Noncurrent assets plus other real estate owned to assets | 0.2235% | 6,678 |
Noncurrent loans to loans | 0.5113% | 5,819 |
Net loans and leases to total assets | 33.7112% | 7,902 |
Net loans and leases to deposits | 39.8474% | 7,943 |
Net loans and leases to core deposits | 43.0025% | 8,007 |
Total domestic deposits to total assets | 84.6007% | 3,027 |
Equity capital to assets | 12.6074% | 1,965 |
Core capital (leverage) ratio | 12.1760% | 1,890 |
Tier 1 risk-based capital ratio | 30.9986% | 591 |
Total risk-based capital ratio | 32.2493% | 581 |
Memoranda: | ||
Average total assets | $99,603,800 | 5,059 |
Average earning assets | $91,881,600 | 5,031 |
Average equity | $12,268,400 | 4,763 |
Average total loans | $34,122,200 | 6,479 |