Home > The First National Bank of Le Center > Performance and Condition Ratios
The First National Bank of Le Center, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6214% | 2,848 |
Cost of funding earning assets | 1.3805% | 2,280 |
Net interest margin | 3.2409% | 2,774 |
Noninterest income to average assets | 0.3600% | 2,733 |
Noninterest expense to average assets | 2.5750% | 2,083 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.7008% | 3,197 |
Return on assets (ROA) | 0.6739% | 3,238 |
Pretax return on assets | 0.7116% | 3,411 |
Return on Equity (ROE) | 7.8100% | 3,080 |
Retained earnings to average equity (ytd only) | 1.5618% | 3,693 |
Net charge-offs to loans | -0.0112% | 4,019 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 77.6784% | 1,097 |
Assets per employee ($millions) | 7.9050% | 1,487 |
Cash dividends to net income (ytd only)* | 80.0000% | 584 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0268% | 3,181 |
Loan loss allowance to noncurrent loans | 805.8824% | 1,041 |
Noncurrent assets plus other real estate owned to assets | 0.0819% | 2,992 |
Noncurrent loans to loans | 0.1274% | 2,880 |
Net loans and leases to total assets | 63.6400% | 2,495 |
Net loans and leases to deposits | 70.9558% | 2,820 |
Net loans and leases to core deposits | 75.9930% | 2,980 |
Total domestic deposits to total assets | 89.6900% | 848 |
Equity capital to assets | 7.8757% | 3,500 |
Core capital (leverage) ratio | 9.6022% | 3,166 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $148,387,800 | 3,378 |
Average earning assets | $135,240,000 | 3,388 |
Average equity | $12,805,800 | 3,454 |
Average total loans | $98,328,400 | 3,193 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6455% | 2,576 |
Cost of funding earning assets | 1.2911% | 2,171 |
Net interest margin | 3.3544% | 2,559 |
Noninterest income to average assets | 0.3900% | 2,543 |
Noninterest expense to average assets | 2.5095% | 2,213 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.8746% | 2,780 |
Return on assets (ROA) | 0.8380% | 2,883 |
Pretax return on assets | 0.8899% | 3,124 |
Return on Equity (ROE) | 9.4700% | 2,808 |
Retained earnings to average equity (ytd only) | 9.4722% | 1,557 |
Net charge-offs to loans | -0.0111% | 3,962 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 72.9868% | 1,451 |
Assets per employee ($millions) | 6.9190% | 2,019 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0490% | 3,119 |
Loan loss allowance to noncurrent loans | 68.8287% | 3,479 |
Noncurrent assets plus other real estate owned to assets | 1.0432% | 482 |
Noncurrent loans to loans | 1.5241% | 471 |
Net loans and leases to total assets | 67.7300% | 2,078 |
Net loans and leases to deposits | 84.5321% | 1,696 |
Net loans and leases to core deposits | 89.6956% | 1,950 |
Total domestic deposits to total assets | 80.1200% | 3,510 |
Equity capital to assets | 8.5792% | 2,679 |
Core capital (leverage) ratio | 10.4372% | 2,445 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $143,983,500 | 3,426 |
Average earning assets | $131,047,000 | 3,444 |
Average equity | $12,738,750 | 3,448 |
Average total loans | $96,225,500 | 3,220 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4900% | 2,666 |
Cost of funding earning assets | 1.0095% | 2,573 |
Net interest margin | 3.4805% | 2,310 |
Noninterest income to average assets | 0.3300% | 2,899 |
Noninterest expense to average assets | 2.5121% | 2,174 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 0.9403% | 2,613 |
Return on assets (ROA) | 0.8864% | 2,793 |
Pretax return on assets | 0.9374% | 3,074 |
Return on Equity (ROE) | 9.9100% | 2,729 |
Retained earnings to average equity (ytd only) | 9.9113% | 1,425 |
Net charge-offs to loans | -0.0107% | 3,931 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 71.6478% | 1,597 |
Assets per employee ($millions) | 6.2053% | 2,535 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1451% | 2,729 |
Loan loss allowance to noncurrent loans | 615.8192% | 1,326 |
Noncurrent assets plus other real estate owned to assets | 0.1240% | 2,676 |
Noncurrent loans to loans | 0.1859% | 2,540 |
Net loans and leases to total assets | 65.9300% | 2,162 |
Net loans and leases to deposits | 81.8591% | 1,838 |
Net loans and leases to core deposits | 86.4806% | 2,033 |
Total domestic deposits to total assets | 80.5400% | 3,494 |
Equity capital to assets | 9.0651% | 2,474 |
Core capital (leverage) ratio | 10.6841% | 2,156 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $141,239,000 | 3,466 |
Average earning assets | $128,774,000 | 3,477 |
Average equity | $12,632,000 | 3,472 |
Average total loans | $93,570,667 | 3,247 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4686% | 2,393 |
Cost of funding earning assets | 0.7245% | 2,974 |
Net interest margin | 3.7442% | 1,801 |
Noninterest income to average assets | 0.3100% | 2,990 |
Noninterest expense to average assets | 2.4399% | 2,400 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.2812% | 1,720 |
Return on assets (ROA) | 1.1701% | 1,989 |
Pretax return on assets | 1.1701% | 2,512 |
Return on Equity (ROE) | 13.1700% | 1,950 |
Retained earnings to average equity (ytd only) | 13.1741% | 1,060 |
Net charge-offs to loans | -0.0129% | 3,937 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 65.5700% | 2,259 |
Assets per employee ($millions) | 6.0538% | 2,714 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2018% | 2,540 |
Loan loss allowance to noncurrent loans | 671.6049% | 1,323 |
Noncurrent assets plus other real estate owned to assets | 0.1163% | 2,704 |
Noncurrent loans to loans | 0.1789% | 2,584 |
Net loans and leases to total assets | 64.2400% | 2,226 |
Net loans and leases to deposits | 73.8125% | 2,308 |
Net loans and leases to core deposits | 77.4244% | 2,431 |
Total domestic deposits to total assets | 87.0300% | 2,250 |
Equity capital to assets | 9.2468% | 2,315 |
Core capital (leverage) ratio | 10.6272% | 2,128 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $140,497,000 | 3,517 |
Average earning assets | $128,093,000 | 3,528 |
Average equity | $12,479,000 | 3,527 |
Average total loans | $92,762,500 | 3,294 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8081% | 2,254 |
Cost of funding earning assets | 0.4312% | 1,853 |
Net interest margin | 3.3769% | 2,327 |
Noninterest income to average assets | 0.6700% | 1,396 |
Noninterest expense to average assets | 2.5690% | 1,907 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 1.0812% | 2,257 |
Return on assets (ROA) | 1.0742% | 2,223 |
Pretax return on assets | 1.1476% | 2,613 |
Return on Equity (ROE) | 11.2200% | 2,402 |
Retained earnings to average equity (ytd only) | 3.4713% | 3,572 |
Net charge-offs to loans | -0.0708% | 4,432 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 68.9841% | 1,826 |
Assets per employee ($millions) | 6.4435% | 2,384 |
Cash dividends to net income (ytd only)* | 69.0608% | 692 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1422% | 2,689 |
Loan loss allowance to noncurrent loans | 43.9627% | 3,746 |
Noncurrent assets plus other real estate owned to assets | 1.7410% | 160 |
Noncurrent loans to loans | 2.5981% | 176 |
Net loans and leases to total assets | 66.2500% | 2,010 |
Net loans and leases to deposits | 73.9948% | 2,258 |
Net loans and leases to core deposits | 76.4408% | 2,390 |
Total domestic deposits to total assets | 89.5300% | 1,544 |
Equity capital to assets | 8.5237% | 2,692 |
Core capital (leverage) ratio | 10.4838% | 2,206 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $134,799,800 | 3,589 |
Average earning assets | $121,766,800 | 3,596 |
Average equity | $12,906,000 | 3,581 |
Average total loans | $86,161,400 | 3,333 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8013% | 1,761 |
Cost of funding earning assets | 0.4138% | 1,199 |
Net interest margin | 3.3875% | 2,016 |
Noninterest income to average assets | 0.7800% | 1,070 |
Noninterest expense to average assets | 2.4329% | 2,216 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.2961% | 1,364 |
Return on assets (ROA) | 1.2886% | 1,361 |
Pretax return on assets | 1.3868% | 1,757 |
Return on Equity (ROE) | 13.0800% | 1,673 |
Retained earnings to average equity (ytd only) | 13.0770% | 598 |
Net charge-offs to loans | -0.0143% | 3,856 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 63.5602% | 2,615 |
Assets per employee ($millions) | 5.8304% | 2,905 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1770% | 2,653 |
Loan loss allowance to noncurrent loans | 41.4028% | 3,838 |
Noncurrent assets plus other real estate owned to assets | 1.9851% | 134 |
Noncurrent loans to loans | 2.8428% | 172 |
Net loans and leases to total assets | 64.6800% | 2,015 |
Net loans and leases to deposits | 73.1667% | 2,112 |
Net loans and leases to core deposits | 75.6887% | 2,220 |
Total domestic deposits to total assets | 88.4000% | 2,307 |
Equity capital to assets | 9.3803% | 1,964 |
Core capital (leverage) ratio | 11.4153% | 1,483 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $133,060,500 | 3,625 |
Average earning assets | $119,849,750 | 3,647 |
Average equity | $13,111,750 | 3,601 |
Average total loans | $83,953,250 | 3,367 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7579% | 1,404 |
Cost of funding earning assets | 0.3756% | 1,078 |
Net interest margin | 3.3823% | 1,658 |
Noninterest income to average assets | 0.9615% | 728 |
Noninterest expense to average assets | 2.3841% | 2,282 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.5109% | 691 |
Return on assets (ROA) | 1.5025% | 682 |
Pretax return on assets | 1.6080% | 917 |
Return on Equity (ROE) | 15.0045% | 892 |
Retained earnings to average equity (ytd only) | 15.0045% | 265 |
Net charge-offs to loans | -0.0242% | 3,960 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.5857% | 3,350 |
Assets per employee ($millions) | 6.0505% | 2,698 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1952% | 2,702 |
Loan loss allowance to noncurrent loans | 39.4506% | 3,883 |
Noncurrent assets plus other real estate owned to assets | 2.0945% | 127 |
Noncurrent loans to loans | 3.0297% | 165 |
Net loans and leases to total assets | 64.2143% | 1,887 |
Net loans and leases to deposits | 74.1184% | 1,861 |
Net loans and leases to core deposits | 75.7157% | 2,041 |
Total domestic deposits to total assets | 86.6376% | 3,062 |
Equity capital to assets | 9.7872% | 1,828 |
Core capital (leverage) ratio | 11.3725% | 1,399 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $132,714,000 | 3,671 |
Average earning assets | $119,268,333 | 3,708 |
Average equity | $13,289,333 | 3,657 |
Average total loans | $82,682,000 | 3,416 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5382% | 1,675 |
Cost of funding earning assets | 0.3860% | 950 |
Net interest margin | 3.1522% | 2,018 |
Noninterest income to average assets | 0.4437% | 2,420 |
Noninterest expense to average assets | 2.2790% | 2,579 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.8986% | 2,272 |
Return on assets (ROA) | 0.8874% | 2,322 |
Pretax return on assets | 0.9629% | 2,568 |
Return on Equity (ROE) | 8.7630% | 2,409 |
Retained earnings to average equity (ytd only) | 8.7630% | 1,342 |
Net charge-offs to loans | -0.0198% | 3,902 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.0371% | 2,224 |
Assets per employee ($millions) | 5.9871% | 2,825 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3147% | 2,280 |
Loan loss allowance to noncurrent loans | 32.4290% | 3,962 |
Noncurrent assets plus other real estate owned to assets | 2.5335% | 93 |
Noncurrent loans to loans | 4.0542% | 95 |
Net loans and leases to total assets | 58.5829% | 2,237 |
Net loans and leases to deposits | 65.4706% | 2,382 |
Net loans and leases to core deposits | 66.8506% | 2,553 |
Total domestic deposits to total assets | 89.4796% | 1,826 |
Equity capital to assets | 9.8181% | 2,040 |
Core capital (leverage) ratio | 10.9519% | 1,541 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $132,515,000 | 3,698 |
Average earning assets | $118,138,500 | 3,740 |
Average equity | $13,420,000 | 3,717 |
Average total loans | $80,767,500 | 3,447 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4891% | 2,687 |
Cost of funding earning assets | 0.4368% | 1,277 |
Net interest margin | 3.0522% | 3,046 |
Noninterest income to average assets | 0.4358% | 2,880 |
Noninterest expense to average assets | 2.4063% | 2,476 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 0.7235% | 3,560 |
Return on assets (ROA) | 0.7039% | 3,672 |
Pretax return on assets | 0.7727% | 3,781 |
Return on Equity (ROE) | 6.7428% | 3,591 |
Retained earnings to average equity (ytd only) | -0.1236% | 4,511 |
Net charge-offs to loans | 0.0113% | 2,137 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | 123.1111% | 765 |
Efficiency ratio | 75.1848% | 1,189 |
Assets per employee ($millions) | 5.3326% | 3,435 |
Cash dividends to net income (ytd only)* | 101.8330% | 183 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2286% | 2,739 |
Loan loss allowance to noncurrent loans | 33.1821% | 4,010 |
Noncurrent assets plus other real estate owned to assets | 2.3148% | 122 |
Noncurrent loans to loans | 3.7027% | 127 |
Net loans and leases to total assets | 61.7490% | 1,972 |
Net loans and leases to deposits | 69.5929% | 2,168 |
Net loans and leases to core deposits | 71.0445% | 2,351 |
Total domestic deposits to total assets | 88.7289% | 1,651 |
Equity capital to assets | 10.4325% | 2,237 |
Core capital (leverage) ratio | 9.9166% | 2,447 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $139,506,200 | 3,588 |
Average earning assets | $126,365,800 | 3,615 |
Average equity | $14,563,600 | 3,683 |
Average total loans | $79,403,800 | 3,489 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4212% | 3,043 |
Cost of funding earning assets | 0.4435% | 1,397 |
Net interest margin | 2.9776% | 3,364 |
Noninterest income to average assets | 0.4121% | 3,021 |
Noninterest expense to average assets | 2.0739% | 3,442 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.0407% | 2,766 |
Return on assets (ROA) | 1.0180% | 2,904 |
Pretax return on assets | 1.0190% | 3,397 |
Return on Equity (ROE) | 9.7502% | 2,825 |
Retained earnings to average equity (ytd only) | 9.7502% | 1,395 |
Net charge-offs to loans | 0.0204% | 1,642 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | 91.8333% | 914 |
Efficiency ratio | 66.5655% | 2,026 |
Assets per employee ($millions) | 6.2956% | 2,424 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3086% | 2,445 |
Loan loss allowance to noncurrent loans | 31.7179% | 4,112 |
Noncurrent assets plus other real estate owned to assets | 2.3241% | 141 |
Noncurrent loans to loans | 4.1258% | 122 |
Net loans and leases to total assets | 55.5945% | 2,776 |
Net loans and leases to deposits | 63.0326% | 2,952 |
Net loans and leases to core deposits | 64.3098% | 3,108 |
Total domestic deposits to total assets | 88.1995% | 1,716 |
Equity capital to assets | 10.9723% | 2,040 |
Core capital (leverage) ratio | 11.0951% | 1,617 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $141,054,250 | 3,619 |
Average earning assets | $128,062,250 | 3,633 |
Average equity | $14,727,500 | 3,711 |
Average total loans | $78,418,750 | 3,549 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3358% | 3,341 |
Cost of funding earning assets | 0.4508% | 1,511 |
Net interest margin | 2.8850% | 3,610 |
Noninterest income to average assets | 0.4059% | 3,079 |
Noninterest expense to average assets | 1.8703% | 4,039 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 1.1768% | 2,268 |
Return on assets (ROA) | 1.1543% | 2,411 |
Pretax return on assets | 1.1557% | 3,042 |
Return on Equity (ROE) | 11.2415% | 2,324 |
Retained earnings to average equity (ytd only) | 11.2415% | 1,068 |
Net charge-offs to loans | -0.0535% | 4,401 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.3500% | 2,821 |
Assets per employee ($millions) | 6.4090% | 2,230 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3238% | 2,320 |
Loan loss allowance to noncurrent loans | 29.7153% | 4,169 |
Noncurrent assets plus other real estate owned to assets | 2.6355% | 121 |
Noncurrent loans to loans | 4.4548% | 108 |
Net loans and leases to total assets | 58.3767% | 2,613 |
Net loans and leases to deposits | 66.3195% | 2,794 |
Net loans and leases to core deposits | 67.8410% | 2,973 |
Total domestic deposits to total assets | 88.0234% | 1,808 |
Equity capital to assets | 11.1020% | 1,911 |
Core capital (leverage) ratio | 10.5190% | 1,941 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $141,904,667 | 3,612 |
Average earning assets | $129,982,000 | 3,627 |
Average equity | $14,571,000 | 3,731 |
Average total loans | $78,551,333 | 3,569 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1629% | 3,751 |
Cost of funding earning assets | 0.4463% | 1,752 |
Net interest margin | 2.7165% | 3,926 |
Noninterest income to average assets | 0.3902% | 3,146 |
Noninterest expense to average assets | 1.6048% | 4,526 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.2943% | 1,844 |
Return on assets (ROA) | 1.2778% | 1,971 |
Pretax return on assets | 1.2778% | 2,632 |
Return on Equity (ROE) | 12.9297% | 1,689 |
Retained earnings to average equity (ytd only) | 12.9297% | 926 |
Net charge-offs to loans | -0.0872% | 4,592 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.3555% | 3,625 |
Assets per employee ($millions) | 7.9446% | 1,221 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3328% | 2,282 |
Loan loss allowance to noncurrent loans | 29.6862% | 4,216 |
Noncurrent assets plus other real estate owned to assets | 2.4734% | 169 |
Noncurrent loans to loans | 4.4896% | 107 |
Net loans and leases to total assets | 54.3573% | 3,205 |
Net loans and leases to deposits | 61.0861% | 3,399 |
Net loans and leases to core deposits | 62.3887% | 3,551 |
Total domestic deposits to total assets | 88.9848% | 1,350 |
Equity capital to assets | 10.2117% | 2,511 |
Core capital (leverage) ratio | 10.1956% | 2,336 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $145,563,000 | 3,572 |
Average earning assets | $134,435,500 | 3,583 |
Average equity | $14,385,500 | 3,757 |
Average total loans | $78,016,000 | 3,606 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5666% | 3,886 |
Cost of funding earning assets | 0.6487% | 1,997 |
Net interest margin | 2.9179% | 4,079 |
Noninterest income to average assets | 0.5439% | 2,448 |
Noninterest expense to average assets | 2.0171% | 4,105 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 1.2411% | 1,412 |
Return on assets (ROA) | 1.2345% | 1,537 |
Pretax return on assets | 1.2352% | 2,206 |
Return on Equity (ROE) | 11.6999% | 1,411 |
Retained earnings to average equity (ytd only) | 4.7149% | 2,407 |
Net charge-offs to loans | -0.0517% | 4,675 |
Credit loss provision to net charge-offs | 0.0000% | 3,264 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.8951% | 3,155 |
Assets per employee ($millions) | 8.2291% | 957 |
Cash dividends to net income (ytd only)* | 59.7015% | 1,374 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3372% | 2,244 |
Loan loss allowance to noncurrent loans | 27.0631% | 4,314 |
Noncurrent assets plus other real estate owned to assets | 2.6620% | 159 |
Noncurrent loans to loans | 4.9411% | 94 |
Net loans and leases to total assets | 51.4549% | 3,708 |
Net loans and leases to deposits | 57.4442% | 3,920 |
Net loans and leases to core deposits | 58.7917% | 4,006 |
Total domestic deposits to total assets | 89.5736% | 745 |
Equity capital to assets | 9.5650% | 3,543 |
Core capital (leverage) ratio | 9.9654% | 2,645 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $135,687,400 | 3,561 |
Average earning assets | $126,254,000 | 3,553 |
Average equity | $14,316,400 | 3,716 |
Average total loans | $79,350,000 | 3,564 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7324% | 3,718 |
Cost of funding earning assets | 0.7058% | 1,994 |
Net interest margin | 3.0266% | 3,911 |
Noninterest income to average assets | 0.5179% | 2,532 |
Noninterest expense to average assets | 1.7871% | 4,518 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 1.5417% | 829 |
Return on assets (ROA) | 1.5377% | 916 |
Pretax return on assets | 1.5387% | 1,361 |
Return on Equity (ROE) | 14.2029% | 838 |
Retained earnings to average equity (ytd only) | 14.2029% | 244 |
Net charge-offs to loans | -0.0601% | 4,715 |
Credit loss provision to net charge-offs | 0.0000% | 3,006 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.6696% | 4,187 |
Assets per employee ($millions) | 7.3613% | 1,292 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2731% | 2,278 |
Loan loss allowance to noncurrent loans | 24.6346% | 4,366 |
Noncurrent assets plus other real estate owned to assets | 3.2445% | 124 |
Noncurrent loans to loans | 5.1678% | 100 |
Net loans and leases to total assets | 60.1662% | 3,212 |
Net loans and leases to deposits | 68.5952% | 3,423 |
Net loans and leases to core deposits | 70.4382% | 3,596 |
Total domestic deposits to total assets | 87.7120% | 1,336 |
Equity capital to assets | 11.3620% | 2,108 |
Core capital (leverage) ratio | 10.8565% | 1,990 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $132,578,250 | 3,584 |
Average earning assets | $123,169,750 | 3,577 |
Average equity | $14,353,500 | 3,717 |
Average total loans | $79,875,000 | 3,575 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1831% | 2,817 |
Cost of funding earning assets | 0.7669% | 2,011 |
Net interest margin | 3.4162% | 3,049 |
Noninterest income to average assets | 0.4645% | 2,740 |
Noninterest expense to average assets | 1.7707% | 4,601 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 1.8838% | 412 |
Return on assets (ROA) | 1.8808% | 462 |
Pretax return on assets | 1.8823% | 693 |
Return on Equity (ROE) | 17.6633% | 403 |
Retained earnings to average equity (ytd only) | 17.6633% | 126 |
Net charge-offs to loans | -0.0779% | 4,799 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.4323% | 4,596 |
Assets per employee ($millions) | 7.2620% | 1,293 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2195% | 2,418 |
Loan loss allowance to noncurrent loans | 53.7855% | 3,994 |
Noncurrent assets plus other real estate owned to assets | 1.4551% | 654 |
Noncurrent loans to loans | 2.2674% | 545 |
Net loans and leases to total assets | 63.3901% | 2,951 |
Net loans and leases to deposits | 72.2522% | 3,233 |
Net loans and leases to core deposits | 74.1585% | 3,449 |
Total domestic deposits to total assets | 87.7345% | 1,312 |
Equity capital to assets | 11.3268% | 2,107 |
Core capital (leverage) ratio | 10.5256% | 2,339 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $132,603,333 | 3,568 |
Average earning assets | $123,880,667 | 3,548 |
Average equity | $14,119,667 | 3,749 |
Average total loans | $79,583,333 | 3,583 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0005% | 3,786 |
Cost of funding earning assets | 0.9047% | 1,838 |
Net interest margin | 3.0958% | 4,107 |
Noninterest income to average assets | 0.3385% | 3,490 |
Noninterest expense to average assets | 1.6833% | 4,790 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.5455% | 704 |
Return on assets (ROA) | 1.5425% | 779 |
Pretax return on assets | 1.5425% | 1,202 |
Return on Equity (ROE) | 14.9530% | 553 |
Retained earnings to average equity (ytd only) | 14.9530% | 195 |
Net charge-offs to loans | -0.0723% | 4,742 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.1336% | 4,544 |
Assets per employee ($millions) | 8.1302% | 703 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2993% | 2,160 |
Loan loss allowance to noncurrent loans | 105.6723% | 3,155 |
Noncurrent assets plus other real estate owned to assets | 0.6888% | 1,937 |
Noncurrent loans to loans | 1.2295% | 1,328 |
Net loans and leases to total assets | 55.2929% | 3,887 |
Net loans and leases to deposits | 62.2664% | 4,085 |
Net loans and leases to core deposits | 63.7988% | 4,180 |
Total domestic deposits to total assets | 88.8006% | 755 |
Equity capital to assets | 10.2139% | 3,593 |
Core capital (leverage) ratio | 10.5037% | 2,945 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $133,547,000 | 3,540 |
Average earning assets | $124,683,500 | 3,513 |
Average equity | $13,776,500 | 3,800 |
Average total loans | $77,433,000 | 3,619 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2465% | 3,693 |
Cost of funding earning assets | 1.1109% | 1,285 |
Net interest margin | 3.1357% | 4,313 |
Noninterest income to average assets | 0.3653% | 3,512 |
Noninterest expense to average assets | 1.8815% | 4,682 |
Loan and lease loss provision to assets | 0.0426% | 3,157 |
Net operating income to assets | 1.3993% | 1,346 |
Return on assets (ROA) | 1.3962% | 1,427 |
Pretax return on assets | 1.3962% | 2,178 |
Return on Equity (ROE) | 13.6036% | 984 |
Retained earnings to average equity (ytd only) | 6.8169% | 1,471 |
Net charge-offs to loans | -0.0165% | 4,589 |
Credit loss provision to net charge-offs | -423.0769% | 4,395 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.6139% | 4,130 |
Assets per employee ($millions) | 7.5812% | 836 |
Cash dividends to net income (ytd only)* | 49.8891% | 2,060 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2810% | 2,026 |
Loan loss allowance to noncurrent loans | 178.0969% | 2,294 |
Noncurrent assets plus other real estate owned to assets | 0.4322% | 2,662 |
Noncurrent loans to loans | 0.7193% | 2,081 |
Net loans and leases to total assets | 59.3152% | 3,649 |
Net loans and leases to deposits | 68.2024% | 3,805 |
Net loans and leases to core deposits | 70.0247% | 3,960 |
Total domestic deposits to total assets | 86.9694% | 1,622 |
Equity capital to assets | 10.4251% | 3,515 |
Core capital (leverage) ratio | 9.7516% | 3,788 |
Tier 1 risk-based capital ratio | 18.6315% | 1,605 |
Total risk-based capital ratio | 19.8837% | 1,574 |
Memoranda: | ||
Average total assets | $129,207,600 | 3,573 |
Average earning assets | $121,888,600 | 3,537 |
Average equity | $13,261,200 | 3,862 |
Average total loans | $78,687,400 | 3,624 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2213% | 3,877 |
Cost of funding earning assets | 1.0955% | 1,373 |
Net interest margin | 3.1259% | 4,433 |
Noninterest income to average assets | 0.3548% | 3,602 |
Noninterest expense to average assets | 1.6892% | 4,931 |
Loan and lease loss provision to assets | 0.0412% | 3,078 |
Net operating income to assets | 1.5758% | 983 |
Return on assets (ROA) | 1.5737% | 1,044 |
Pretax return on assets | 1.5737% | 1,725 |
Return on Equity (ROE) | 15.3934% | 698 |
Retained earnings to average equity (ytd only) | 15.3934% | 127 |
Net charge-offs to loans | -0.0169% | 4,542 |
Credit loss provision to net charge-offs | -400.0000% | 4,286 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.0917% | 4,664 |
Assets per employee ($millions) | 8.1339% | 658 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2600% | 2,174 |
Loan loss allowance to noncurrent loans | 99.3878% | 3,334 |
Noncurrent assets plus other real estate owned to assets | 0.7087% | 1,933 |
Noncurrent loans to loans | 1.2678% | 1,232 |
Net loans and leases to total assets | 55.1990% | 4,092 |
Net loans and leases to deposits | 66.1785% | 4,052 |
Net loans and leases to core deposits | 68.8232% | 4,117 |
Total domestic deposits to total assets | 83.4093% | 3,020 |
Equity capital to assets | 10.1739% | 3,850 |
Core capital (leverage) ratio | 10.1741% | 3,452 |
Tier 1 risk-based capital ratio | 19.0084% | 1,566 |
Total risk-based capital ratio | 20.2591% | 1,540 |
Memoranda: | ||
Average total assets | $129,289,250 | 3,613 |
Average earning assets | $122,075,500 | 3,571 |
Average equity | $13,217,500 | 3,903 |
Average total loans | $78,999,750 | 3,657 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1872% | 3,956 |
Cost of funding earning assets | 1.0610% | 1,449 |
Net interest margin | 3.1261% | 4,492 |
Noninterest income to average assets | 0.3531% | 3,576 |
Noninterest expense to average assets | 1.7436% | 4,935 |
Loan and lease loss provision to assets | 0.0396% | 3,026 |
Net operating income to assets | 1.5234% | 1,084 |
Return on assets (ROA) | 1.5218% | 1,133 |
Pretax return on assets | 1.5218% | 1,788 |
Return on Equity (ROE) | 14.8601% | 788 |
Retained earnings to average equity (ytd only) | 14.8601% | 179 |
Net charge-offs to loans | -0.0176% | 4,509 |
Credit loss provision to net charge-offs | -357.1429% | 4,073 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.7299% | 4,594 |
Assets per employee ($millions) | 8.0078% | 671 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1523% | 2,775 |
Loan loss allowance to noncurrent loans | 151.0269% | 2,631 |
Noncurrent assets plus other real estate owned to assets | 0.5017% | 2,539 |
Noncurrent loans to loans | 0.7630% | 2,075 |
Net loans and leases to total assets | 60.2401% | 3,710 |
Net loans and leases to deposits | 72.4896% | 3,642 |
Net loans and leases to core deposits | 76.2010% | 3,710 |
Total domestic deposits to total assets | 83.1017% | 3,167 |
Equity capital to assets | 9.9293% | 4,028 |
Core capital (leverage) ratio | 9.9696% | 3,610 |
Tier 1 risk-based capital ratio | 17.4507% | 1,955 |
Total risk-based capital ratio | 18.6912% | 1,916 |
Memoranda: | ||
Average total assets | $126,293,670 | 3,674 |
Average earning assets | $119,317,000 | 3,630 |
Average equity | $12,934,000 | 3,944 |
Average total loans | $79,566,000 | 3,666 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0316% | 4,300 |
Cost of funding earning assets | 0.8792% | 2,102 |
Net interest margin | 3.1524% | 4,495 |
Noninterest income to average assets | 0.3361% | 3,611 |
Noninterest expense to average assets | 1.8521% | 4,861 |
Loan and lease loss provision to assets | 0.0330% | 2,968 |
Net operating income to assets | 1.4138% | 1,340 |
Return on assets (ROA) | 1.4138% | 1,366 |
Pretax return on assets | 1.4171% | 2,023 |
Return on Equity (ROE) | 13.5733% | 1,062 |
Retained earnings to average equity (ytd only) | 13.5733% | 395 |
Net charge-offs to loans | -0.0257% | 4,590 |
Credit loss provision to net charge-offs | -200.0000% | 3,626 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.0878% | 4,324 |
Assets per employee ($millions) | 7.8143% | 720 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2088% | 2,529 |
Loan loss allowance to noncurrent loans | 124.3709% | 3,005 |
Noncurrent assets plus other real estate owned to assets | 0.9206% | 1,522 |
Noncurrent loans to loans | 0.9719% | 1,719 |
Net loans and leases to total assets | 57.7689% | 3,914 |
Net loans and leases to deposits | 65.7691% | 4,072 |
Net loans and leases to core deposits | 69.0287% | 4,129 |
Total domestic deposits to total assets | 87.8360% | 1,429 |
Equity capital to assets | 9.6949% | 4,096 |
Core capital (leverage) ratio | 11.5663% | 2,091 |
Tier 1 risk-based capital ratio | 17.9270% | 1,811 |
Total risk-based capital ratio | 19.1777% | 1,776 |
Memoranda: | ||
Average total assets | $121,374,500 | 3,781 |
Average earning assets | $114,198,500 | 3,744 |
Average equity | $12,642,500 | 3,990 |
Average total loans | $77,868,000 | 3,737 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5473% | 2,311 |
Cost of funding earning assets | 0.7192% | 1,964 |
Net interest margin | 3.8280% | 2,568 |
Noninterest income to average assets | 0.4003% | 3,443 |
Noninterest expense to average assets | 2.5070% | 3,595 |
Loan and lease loss provision to assets | 0.0502% | 3,183 |
Net operating income to assets | 1.4035% | 1,425 |
Return on assets (ROA) | 1.3764% | 1,502 |
Pretax return on assets | 1.3774% | 2,216 |
Return on Equity (ROE) | 11.0164% | 2,076 |
Retained earnings to average equity (ytd only) | 4.5928% | 2,999 |
Net charge-offs to loans | 0.0832% | 1,948 |
Credit loss provision to net charge-offs | 79.3651% | 2,874 |
Earnings coverage of net charge-offs (x) | 23.0159% | 1,871 |
Efficiency ratio | 63.2818% | 3,289 |
Assets per employee ($millions) | 6.4651% | 1,233 |
Cash dividends to net income (ytd only)* | 58.3090% | 1,575 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1838% | 2,656 |
Loan loss allowance to noncurrent loans | 194.1176% | 2,292 |
Noncurrent assets plus other real estate owned to assets | 0.8589% | 1,628 |
Noncurrent loans to loans | 0.6098% | 2,451 |
Net loans and leases to total assets | 70.1791% | 2,540 |
Net loans and leases to deposits | 82.0132% | 2,728 |
Net loans and leases to core deposits | 87.0317% | 2,836 |
Total domestic deposits to total assets | 85.5704% | 2,408 |
Equity capital to assets | 11.2878% | 2,426 |
Core capital (leverage) ratio | 12.1532% | 1,640 |
Tier 1 risk-based capital ratio | 17.1843% | 2,001 |
Total risk-based capital ratio | 18.4339% | 1,947 |
Memoranda: | ||
Average total assets | $99,679,200 | 4,104 |
Average earning assets | $92,737,000 | 4,085 |
Average equity | $12,454,200 | 3,966 |
Average total loans | $75,763,000 | 3,756 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6284% | 1,906 |
Cost of funding earning assets | 0.6771% | 1,988 |
Net interest margin | 3.9513% | 2,126 |
Noninterest income to average assets | 0.4077% | 3,436 |
Noninterest expense to average assets | 2.1608% | 4,407 |
Loan and lease loss provision to assets | 0.0686% | 2,605 |
Net operating income to assets | 1.8382% | 567 |
Return on assets (ROA) | 1.8341% | 571 |
Pretax return on assets | 1.8354% | 932 |
Return on Equity (ROE) | 14.2889% | 1,040 |
Retained earnings to average equity (ytd only) | 14.2889% | 224 |
Net charge-offs to loans | 0.1259% | 1,256 |
Credit loss provision to net charge-offs | 70.4225% | 2,635 |
Earnings coverage of net charge-offs (x) | 19.5784% | 2,001 |
Efficiency ratio | 53.1039% | 4,699 |
Assets per employee ($millions) | 5.9688% | 1,511 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1557% | 2,873 |
Loan loss allowance to noncurrent loans | 172.1805% | 2,501 |
Noncurrent assets plus other real estate owned to assets | 1.0052% | 1,445 |
Noncurrent loans to loans | 0.6712% | 2,400 |
Net loans and leases to total assets | 77.2088% | 1,465 |
Net loans and leases to deposits | 96.9856% | 1,041 |
Net loans and leases to core deposits | 103.6077% | 1,481 |
Total domestic deposits to total assets | 79.6086% | 4,194 |
Equity capital to assets | 12.9310% | 1,364 |
Core capital (leverage) ratio | 13.2499% | 1,189 |
Tier 1 risk-based capital ratio | 18.0690% | 1,772 |
Total risk-based capital ratio | 19.3182% | 1,726 |
Memoranda: | ||
Average total assets | $97,122,500 | 4,190 |
Average earning assets | $89,993,500 | 4,189 |
Average equity | $12,466,250 | 3,990 |
Average total loans | $75,190,000 | 3,807 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5854% | 1,821 |
Cost of funding earning assets | 0.6289% | 2,054 |
Net interest margin | 3.9565% | 2,012 |
Noninterest income to average assets | 0.4160% | 3,380 |
Noninterest expense to average assets | 2.2159% | 4,335 |
Loan and lease loss provision to assets | 0.1045% | 1,862 |
Net operating income to assets | 1.7497% | 653 |
Return on assets (ROA) | 1.7455% | 662 |
Pretax return on assets | 1.7476% | 1,100 |
Return on Equity (ROE) | 13.6349% | 1,172 |
Retained earnings to average equity (ytd only) | 13.6349% | 311 |
Net charge-offs to loans | 0.2032% | 785 |
Credit loss provision to net charge-offs | 66.6667% | 2,382 |
Earnings coverage of net charge-offs (x) | 11.8400% | 2,241 |
Efficiency ratio | 54.4148% | 4,647 |
Assets per employee ($millions) | 5.8269% | 1,613 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1633% | 2,910 |
Loan loss allowance to noncurrent loans | 1,232.4324% | 499 |
Noncurrent assets plus other real estate owned to assets | 0.9964% | 1,509 |
Noncurrent loans to loans | 0.0944% | 4,492 |
Net loans and leases to total assets | 78.2247% | 1,276 |
Net loans and leases to deposits | 100.5124% | 774 |
Net loans and leases to core deposits | 104.1548% | 1,384 |
Total domestic deposits to total assets | 77.8259% | 4,617 |
Equity capital to assets | 12.7593% | 1,417 |
Core capital (leverage) ratio | 13.1018% | 1,183 |
Tier 1 risk-based capital ratio | 17.7689% | 1,869 |
Total risk-based capital ratio | 19.0191% | 1,829 |
Memoranda: | ||
Average total assets | $95,673,670 | 4,254 |
Average earning assets | $88,411,670 | 4,246 |
Average equity | $12,248,000 | 4,046 |
Average total loans | $73,833,670 | 3,853 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5568% | 1,697 |
Cost of funding earning assets | 0.5916% | 2,108 |
Net interest margin | 3.9652% | 1,829 |
Noninterest income to average assets | 0.4128% | 3,374 |
Noninterest expense to average assets | 2.2260% | 4,355 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 1.8344% | 525 |
Return on assets (ROA) | 1.8514% | 512 |
Pretax return on assets | 1.8557% | 811 |
Return on Equity (ROE) | 14.4368% | 920 |
Retained earnings to average equity (ytd only) | 14.4368% | 371 |
Net charge-offs to loans | 0.4416% | 344 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | 5.4684% | 2,236 |
Efficiency ratio | 54.7644% | 4,710 |
Assets per employee ($millions) | 5.5366% | 1,906 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1772% | 2,954 |
Loan loss allowance to noncurrent loans | 369.8276% | 1,398 |
Noncurrent assets plus other real estate owned to assets | 1.2484% | 1,199 |
Noncurrent loans to loans | 0.3183% | 3,627 |
Net loans and leases to total assets | 76.5262% | 1,451 |
Net loans and leases to deposits | 89.4902% | 1,749 |
Net loans and leases to core deposits | 92.6608% | 2,246 |
Total domestic deposits to total assets | 85.5135% | 2,745 |
Equity capital to assets | 13.0055% | 1,239 |
Core capital (leverage) ratio | 13.1797% | 1,113 |
Tier 1 risk-based capital ratio | 18.7134% | 1,627 |
Total risk-based capital ratio | 19.9636% | 1,587 |
Memoranda: | ||
Average total assets | $93,982,000 | 4,327 |
Average earning assets | $86,552,000 | 4,334 |
Average equity | $12,052,500 | 4,113 |
Average total loans | $71,551,000 | 3,936 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4263% | 1,954 |
Cost of funding earning assets | 0.5441% | 1,994 |
Net interest margin | 3.8823% | 2,143 |
Noninterest income to average assets | 0.4639% | 3,225 |
Noninterest expense to average assets | 2.5195% | 3,713 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 1.5311% | 749 |
Return on assets (ROA) | 1.5257% | 766 |
Pretax return on assets | 1.5268% | 1,535 |
Return on Equity (ROE) | 11.8601% | 1,248 |
Retained earnings to average equity (ytd only) | 5.1357% | 2,040 |
Net charge-offs to loans | -0.0813% | 5,319 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.1831% | 3,908 |
Assets per employee ($millions) | 5.5201% | 1,913 |
Cash dividends to net income (ytd only)* | 56.6974% | 1,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3345% | 2,056 |
Loan loss allowance to noncurrent loans | 574.8466% | 980 |
Noncurrent assets plus other real estate owned to assets | 1.6634% | 784 |
Noncurrent loans to loans | 0.2321% | 3,972 |
Net loans and leases to total assets | 73.8252% | 1,947 |
Net loans and leases to deposits | 86.4356% | 2,205 |
Net loans and leases to core deposits | 88.5049% | 2,684 |
Total domestic deposits to total assets | 85.4106% | 2,688 |
Equity capital to assets | 12.6425% | 1,430 |
Core capital (leverage) ratio | 12.6603% | 1,280 |
Tier 1 risk-based capital ratio | 18.7009% | 1,589 |
Total risk-based capital ratio | 19.9535% | 1,542 |
Memoranda: | ||
Average total assets | $92,480,000 | 4,382 |
Average earning assets | $85,465,600 | 4,369 |
Average equity | $11,897,000 | 4,156 |
Average total loans | $70,130,200 | 3,955 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3940% | 1,978 |
Cost of funding earning assets | 0.5327% | 2,014 |
Net interest margin | 3.8614% | 2,181 |
Noninterest income to average assets | 0.4775% | 3,167 |
Noninterest expense to average assets | 2.3138% | 4,262 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 1.7394% | 539 |
Return on assets (ROA) | 1.7394% | 551 |
Pretax return on assets | 1.7408% | 1,021 |
Return on Equity (ROE) | 13.4615% | 944 |
Retained earnings to average equity (ytd only) | 13.4615% | 185 |
Net charge-offs to loans | -0.0780% | 5,310 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.0664% | 4,607 |
Assets per employee ($millions) | 5.4052% | 2,012 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3048% | 2,336 |
Loan loss allowance to noncurrent loans | 342.3792% | 1,431 |
Noncurrent assets plus other real estate owned to assets | 1.8827% | 715 |
Noncurrent loans to loans | 0.3811% | 3,584 |
Net loans and leases to total assets | 75.8173% | 1,620 |
Net loans and leases to deposits | 94.9530% | 1,202 |
Net loans and leases to core deposits | 97.4418% | 1,935 |
Total domestic deposits to total assets | 79.8472% | 4,349 |
Equity capital to assets | 13.6373% | 1,105 |
Core capital (leverage) ratio | 13.3079% | 1,104 |
Tier 1 risk-based capital ratio | 19.5779% | 1,459 |
Total risk-based capital ratio | 20.8288% | 1,427 |
Memoranda: | ||
Average total assets | $92,139,500 | 4,426 |
Average earning assets | $85,356,500 | 4,413 |
Average equity | $11,905,250 | 4,193 |
Average total loans | $70,108,750 | 3,991 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3533% | 1,965 |
Cost of funding earning assets | 0.5170% | 2,038 |
Net interest margin | 3.8363% | 2,148 |
Noninterest income to average assets | 0.4879% | 3,099 |
Noninterest expense to average assets | 2.2858% | 4,385 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 1.7566% | 495 |
Return on assets (ROA) | 1.7566% | 503 |
Pretax return on assets | 1.7588% | 924 |
Return on Equity (ROE) | 13.8501% | 839 |
Retained earnings to average equity (ytd only) | 13.8501% | 190 |
Net charge-offs to loans | -0.0229% | 4,827 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.5147% | 4,763 |
Assets per employee ($millions) | 5.4767% | 1,890 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2380% | 2,769 |
Loan loss allowance to noncurrent loans | 64.3012% | 4,282 |
Noncurrent assets plus other real estate owned to assets | 2.0246% | 628 |
Noncurrent loans to loans | 1.9254% | 896 |
Net loans and leases to total assets | 76.0859% | 1,536 |
Net loans and leases to deposits | 95.8955% | 1,091 |
Net loans and leases to core deposits | 98.4983% | 1,766 |
Total domestic deposits to total assets | 79.3425% | 4,549 |
Equity capital to assets | 13.0392% | 1,359 |
Core capital (leverage) ratio | 12.7710% | 1,267 |
Tier 1 risk-based capital ratio | 18.6841% | 1,670 |
Total risk-based capital ratio | 19.9352% | 1,636 |
Memoranda: | ||
Average total assets | $92,223,330 | 4,458 |
Average earning assets | $85,499,000 | 4,440 |
Average equity | $11,696,670 | 4,243 |
Average total loans | $69,949,000 | 4,019 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2759% | 2,030 |
Cost of funding earning assets | 0.5257% | 1,896 |
Net interest margin | 3.7502% | 2,307 |
Noninterest income to average assets | 0.5055% | 2,943 |
Noninterest expense to average assets | 2.3882% | 4,151 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.5951% | 683 |
Return on assets (ROA) | 1.5994% | 697 |
Pretax return on assets | 1.6038% | 1,230 |
Return on Equity (ROE) | 12.7930% | 1,041 |
Retained earnings to average equity (ytd only) | 12.7930% | 394 |
Net charge-offs to loans | -0.0348% | 5,004 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.8907% | 4,464 |
Assets per employee ($millions) | 5.4471% | 1,942 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2978% | 2,549 |
Loan loss allowance to noncurrent loans | 36.2372% | 4,929 |
Noncurrent assets plus other real estate owned to assets | 3.2170% | 291 |
Noncurrent loans to loans | 3.5815% | 328 |
Net loans and leases to total assets | 72.7660% | 1,951 |
Net loans and leases to deposits | 85.4570% | 2,096 |
Net loans and leases to core deposits | 87.6263% | 2,582 |
Total domestic deposits to total assets | 85.1492% | 3,029 |
Equity capital to assets | 12.5938% | 1,467 |
Core capital (leverage) ratio | 12.8950% | 1,186 |
Tier 1 risk-based capital ratio | 19.4018% | 1,515 |
Total risk-based capital ratio | 20.6554% | 1,488 |
Memoranda: | ||
Average total assets | $91,783,000 | 4,506 |
Average earning assets | $85,222,500 | 4,492 |
Average equity | $11,475,000 | 4,311 |
Average total loans | $69,060,000 | 4,076 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3642% | 1,934 |
Cost of funding earning assets | 0.5163% | 1,971 |
Net interest margin | 3.8479% | 2,147 |
Noninterest income to average assets | 0.9803% | 1,200 |
Noninterest expense to average assets | 2.5269% | 3,930 |
Loan and lease loss provision to assets | 0.0508% | 3,375 |
Net operating income to assets | 1.9662% | 344 |
Return on assets (ROA) | 1.9651% | 365 |
Pretax return on assets | 1.9662% | 541 |
Return on Equity (ROE) | 15.3006% | 587 |
Retained earnings to average equity (ytd only) | 4.5410% | 2,669 |
Net charge-offs to loans | 0.0484% | 3,072 |
Credit loss provision to net charge-offs | 136.3636% | 1,992 |
Earnings coverage of net charge-offs (x) | 54.2121% | 960 |
Efficiency ratio | 55.5969% | 5,099 |
Assets per employee ($millions) | 5.3509% | 2,002 |
Cash dividends to net income (ytd only)* | 70.3215% | 1,300 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2598% | 2,760 |
Loan loss allowance to noncurrent loans | 97.3451% | 3,682 |
Noncurrent assets plus other real estate owned to assets | 1.5918% | 1,008 |
Noncurrent loans to loans | 1.2942% | 1,578 |
Net loans and leases to total assets | 75.8226% | 1,539 |
Net loans and leases to deposits | 89.0720% | 1,797 |
Net loans and leases to core deposits | 91.0750% | 2,395 |
Total domestic deposits to total assets | 85.1250% | 2,993 |
Equity capital to assets | 12.4092% | 1,569 |
Core capital (leverage) ratio | 12.1786% | 1,488 |
Tier 1 risk-based capital ratio | 18.1814% | 1,804 |
Total risk-based capital ratio | 19.4344% | 1,766 |
Memoranda: | ||
Average total assets | $88,647,800 | 4,569 |
Average earning assets | $82,122,800 | 4,547 |
Average equity | $11,385,200 | 4,357 |
Average total loans | $68,123,600 | 4,089 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4545% | 1,680 |
Cost of funding earning assets | 0.5102% | 2,015 |
Net interest margin | 3.9443% | 1,837 |
Noninterest income to average assets | 1.1491% | 866 |
Noninterest expense to average assets | 2.2921% | 4,552 |
Loan and lease loss provision to assets | 0.0454% | 3,335 |
Net operating income to assets | 2.4632% | 163 |
Return on assets (ROA) | 2.4617% | 170 |
Pretax return on assets | 2.4617% | 232 |
Return on Equity (ROE) | 19.0013% | 295 |
Retained earnings to average equity (ytd only) | 14.0347% | 171 |
Net charge-offs to loans | 0.0059% | 3,701 |
Credit loss provision to net charge-offs | 1,000.0000% | 398 |
Earnings coverage of net charge-offs (x) | 552.3200% | 162 |
Efficiency ratio | 47.7452% | 5,603 |
Assets per employee ($millions) | 5.4618% | 1,888 |
Cash dividends to net income (ytd only)* | 26.1376% | 2,976 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2933% | 2,723 |
Loan loss allowance to noncurrent loans | 30.4215% | 5,161 |
Noncurrent assets plus other real estate owned to assets | 3.7307% | 243 |
Noncurrent loans to loans | 4.2513% | 246 |
Net loans and leases to total assets | 73.5673% | 1,940 |
Net loans and leases to deposits | 90.3055% | 1,713 |
Net loans and leases to core deposits | 94.3025% | 2,166 |
Total domestic deposits to total assets | 81.4649% | 4,113 |
Equity capital to assets | 12.9541% | 1,508 |
Core capital (leverage) ratio | 13.3315% | 1,056 |
Tier 1 risk-based capital ratio | 19.4509% | 1,561 |
Total risk-based capital ratio | 20.7036% | 1,519 |
Memoranda: | ||
Average total assets | $88,068,500 | 4,617 |
Average earning assets | $81,533,250 | 4,591 |
Average equity | $11,409,500 | 4,395 |
Average total loans | $67,691,500 | 4,131 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4244% | 1,760 |
Cost of funding earning assets | 0.5133% | 2,001 |
Net interest margin | 3.9111% | 1,943 |
Noninterest income to average assets | 1.5218% | 520 |
Noninterest expense to average assets | 2.3429% | 4,490 |
Loan and lease loss provision to assets | 0.0347% | 3,457 |
Net operating income to assets | 2.7569% | 102 |
Return on assets (ROA) | 2.7546% | 103 |
Pretax return on assets | 2.7546% | 150 |
Return on Equity (ROE) | 21.2615% | 181 |
Retained earnings to average equity (ytd only) | 13.6745% | 203 |
Net charge-offs to loans | 0.0566% | 2,383 |
Credit loss provision to net charge-offs | 78.9474% | 2,378 |
Earnings coverage of net charge-offs (x) | 63.5263% | 842 |
Efficiency ratio | 45.6306% | 5,768 |
Assets per employee ($millions) | 5.1673% | 2,124 |
Cash dividends to net income (ytd only)* | 35.6843% | 2,614 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2225% | 3,236 |
Loan loss allowance to noncurrent loans | 336.1868% | 1,482 |
Noncurrent assets plus other real estate owned to assets | 0.8868% | 2,381 |
Noncurrent loans to loans | 0.3636% | 4,061 |
Net loans and leases to total assets | 79.4716% | 993 |
Net loans and leases to deposits | 98.4946% | 835 |
Net loans and leases to core deposits | 100.9034% | 1,567 |
Total domestic deposits to total assets | 80.6862% | 4,366 |
Equity capital to assets | 13.2177% | 1,379 |
Core capital (leverage) ratio | 13.2137% | 1,083 |
Tier 1 risk-based capital ratio | 18.3463% | 1,840 |
Total risk-based capital ratio | 19.5978% | 1,799 |
Memoranda: | ||
Average total assets | $86,474,330 | 4,686 |
Average earning assets | $79,875,670 | 4,664 |
Average equity | $11,203,330 | 4,450 |
Average total loans | $67,187,670 | 4,168 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3546% | 1,950 |
Cost of funding earning assets | 0.5209% | 1,937 |
Net interest margin | 3.8337% | 2,160 |
Noninterest income to average assets | 2.5364% | 247 |
Noninterest expense to average assets | 2.4152% | 4,321 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 3.6555% | 62 |
Return on assets (ROA) | 3.6555% | 60 |
Pretax return on assets | 3.6555% | 87 |
Return on Equity (ROE) | 28.5104% | 61 |
Retained earnings to average equity (ytd only) | 13.0188% | 394 |
Net charge-offs to loans | -0.0672% | 5,471 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.7849% | 5,969 |
Assets per employee ($millions) | 5.0591% | 2,279 |
Cash dividends to net income (ytd only)* | 54.3367% | 1,610 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3271% | 2,771 |
Loan loss allowance to noncurrent loans | 308.4211% | 1,580 |
Noncurrent assets plus other real estate owned to assets | 0.9383% | 2,366 |
Noncurrent loans to loans | 0.4303% | 3,901 |
Net loans and leases to total assets | 75.9933% | 1,396 |
Net loans and leases to deposits | 89.5806% | 1,626 |
Net loans and leases to core deposits | 93.6791% | 2,024 |
Total domestic deposits to total assets | 84.8323% | 3,192 |
Equity capital to assets | 13.0062% | 1,404 |
Core capital (leverage) ratio | 13.0506% | 1,140 |
Tier 1 risk-based capital ratio | 19.2128% | 1,683 |
Total risk-based capital ratio | 20.4662% | 1,646 |
Memoranda: | ||
Average total assets | $85,789,500 | 4,738 |
Average earning assets | $79,088,500 | 4,728 |
Average equity | $10,999,500 | 4,509 |
Average total loans | $65,444,000 | 4,232 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4773% | 1,672 |
Cost of funding earning assets | 0.4995% | 2,158 |
Net interest margin | 3.9778% | 1,792 |
Noninterest income to average assets | 0.5234% | 3,178 |
Noninterest expense to average assets | 2.7095% | 3,548 |
Loan and lease loss provision to assets | 0.2250% | 906 |
Net operating income to assets | 1.1629% | 1,689 |
Return on assets (ROA) | 1.1653% | 1,756 |
Pretax return on assets | 1.1653% | 2,792 |
Return on Equity (ROE) | 9.0343% | 2,438 |
Retained earnings to average equity (ytd only) | 3.5256% | 3,553 |
Net charge-offs to loans | 0.3318% | 895 |
Credit loss provision to net charge-offs | 91.3462% | 2,736 |
Earnings coverage of net charge-offs (x) | 5.6346% | 3,350 |
Efficiency ratio | 66.1272% | 3,886 |
Assets per employee ($millions) | 5.0338% | 2,330 |
Cash dividends to net income (ytd only)* | 60.9756% | 1,692 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3426% | 2,700 |
Loan loss allowance to noncurrent loans | 304.5614% | 1,620 |
Noncurrent assets plus other real estate owned to assets | 0.9430% | 2,312 |
Noncurrent loans to loans | 0.4408% | 3,890 |
Net loans and leases to total assets | 74.5355% | 1,640 |
Net loans and leases to deposits | 87.7478% | 1,911 |
Net loans and leases to core deposits | 90.0165% | 2,403 |
Total domestic deposits to total assets | 84.9429% | 3,118 |
Equity capital to assets | 12.6358% | 1,540 |
Core capital (leverage) ratio | 12.0198% | 1,608 |
Tier 1 risk-based capital ratio | 18.7084% | 1,772 |
Total risk-based capital ratio | 19.9608% | 1,728 |
Memoranda: | ||
Average total assets | $84,443,400 | 4,781 |
Average earning assets | $75,872,000 | 4,811 |
Average equity | $10,891,800 | 4,498 |
Average total loans | $62,689,200 | 4,305 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3958% | 1,929 |
Cost of funding earning assets | 0.4857% | 2,359 |
Net interest margin | 3.9101% | 2,000 |
Noninterest income to average assets | 0.6258% | 2,604 |
Noninterest expense to average assets | 2.3859% | 4,548 |
Loan and lease loss provision to assets | 0.2772% | 568 |
Net operating income to assets | 1.4575% | 995 |
Return on assets (ROA) | 1.4622% | 1,026 |
Pretax return on assets | 1.4622% | 1,794 |
Return on Equity (ROE) | 11.2784% | 1,602 |
Retained earnings to average equity (ytd only) | 11.2784% | 439 |
Net charge-offs to loans | 0.4566% | 552 |
Credit loss provision to net charge-offs | 82.1596% | 2,579 |
Earnings coverage of net charge-offs (x) | 5.1409% | 3,250 |
Efficiency ratio | 57.9008% | 5,130 |
Assets per employee ($millions) | 5.2117% | 2,048 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3496% | 2,854 |
Loan loss allowance to noncurrent loans | 125.6296% | 3,165 |
Noncurrent assets plus other real estate owned to assets | 1.5136% | 1,486 |
Noncurrent loans to loans | 1.0743% | 2,334 |
Net loans and leases to total assets | 69.9613% | 2,389 |
Net loans and leases to deposits | 82.4751% | 2,590 |
Net loans and leases to core deposits | 84.5358% | 2,982 |
Total domestic deposits to total assets | 84.8271% | 3,086 |
Equity capital to assets | 12.8421% | 1,535 |
Core capital (leverage) ratio | 13.3250% | 1,083 |
Tier 1 risk-based capital ratio | 19.9623% | 1,562 |
Total risk-based capital ratio | 21.2156% | 1,521 |
Memoranda: | ||
Average total assets | $84,160,750 | 4,844 |
Average earning assets | $75,222,000 | 4,887 |
Average equity | $10,911,500 | 4,552 |
Average total loans | $62,198,750 | 4,353 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4207% | 1,784 |
Cost of funding earning assets | 0.4876% | 2,373 |
Net interest margin | 3.9331% | 1,878 |
Noninterest income to average assets | 0.6168% | 2,642 |
Noninterest expense to average assets | 2.3851% | 4,599 |
Loan and lease loss provision to assets | 0.3870% | 318 |
Net operating income to assets | 1.3570% | 1,175 |
Return on assets (ROA) | 1.3546% | 1,228 |
Pretax return on assets | 1.3546% | 2,168 |
Return on Equity (ROE) | 10.4128% | 1,887 |
Retained earnings to average equity (ytd only) | 10.4128% | 600 |
Net charge-offs to loans | -0.0484% | 5,535 |
Credit loss provision to net charge-offs | -1,066.6667% | 5,365 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.7622% | 5,248 |
Assets per employee ($millions) | 4.9245% | 2,367 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6535% | 1,735 |
Loan loss allowance to noncurrent loans | 82.7613% | 4,133 |
Noncurrent assets plus other real estate owned to assets | 1.7069% | 1,390 |
Noncurrent loans to loans | 1.9979% | 1,223 |
Net loans and leases to total assets | 75.3790% | 1,457 |
Net loans and leases to deposits | 91.3837% | 1,440 |
Net loans and leases to core deposits | 93.8699% | 1,970 |
Total domestic deposits to total assets | 82.4862% | 4,131 |
Equity capital to assets | 13.1419% | 1,328 |
Core capital (leverage) ratio | 12.9376% | 1,190 |
Tier 1 risk-based capital ratio | 19.6804% | 1,628 |
Total risk-based capital ratio | 20.9408% | 1,587 |
Memoranda: | ||
Average total assets | $82,681,330 | 4,924 |
Average earning assets | $73,835,000 | 4,963 |
Average equity | $10,756,000 | 4,611 |
Average total loans | $61,987,330 | 4,405 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3151% | 2,050 |
Cost of funding earning assets | 0.4916% | 2,363 |
Net interest margin | 3.8235% | 2,156 |
Noninterest income to average assets | 0.6816% | 2,250 |
Noninterest expense to average assets | 2.2735% | 4,944 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.8159% | 470 |
Return on assets (ROA) | 1.8110% | 501 |
Pretax return on assets | 1.8110% | 848 |
Return on Equity (ROE) | 13.9942% | 880 |
Retained earnings to average equity (ytd only) | 13.9942% | 362 |
Net charge-offs to loans | -0.0131% | 4,848 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.5952% | 5,548 |
Assets per employee ($millions) | 5.0546% | 2,281 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4614% | 2,610 |
Loan loss allowance to noncurrent loans | 65.6805% | 4,564 |
Noncurrent assets plus other real estate owned to assets | 1.6940% | 1,485 |
Noncurrent loans to loans | 2.2250% | 1,131 |
Net loans and leases to total assets | 74.0383% | 1,491 |
Net loans and leases to deposits | 90.6746% | 1,324 |
Net loans and leases to core deposits | 92.1809% | 1,928 |
Total domestic deposits to total assets | 81.6527% | 4,623 |
Equity capital to assets | 13.4013% | 1,219 |
Core capital (leverage) ratio | 13.3467% | 1,032 |
Tier 1 risk-based capital ratio | 20.4088% | 1,536 |
Total risk-based capital ratio | 21.6628% | 1,509 |
Memoranda: | ||
Average total assets | $82,163,500 | 4,983 |
Average earning assets | $73,231,500 | 5,020 |
Average equity | $10,633,000 | 4,668 |
Average total loans | $60,898,000 | 4,466 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3222% | 2,519 |
Cost of funding earning assets | 0.5634% | 2,113 |
Net interest margin | 3.7588% | 2,775 |
Noninterest income to average assets | 0.6694% | 2,452 |
Noninterest expense to average assets | 2.6080% | 4,185 |
Loan and lease loss provision to assets | 0.3670% | 509 |
Net operating income to assets | 1.0376% | 2,226 |
Return on assets (ROA) | 1.0717% | 2,135 |
Pretax return on assets | 1.0717% | 3,199 |
Return on Equity (ROE) | 8.3058% | 2,963 |
Retained earnings to average equity (ytd only) | 2.6363% | 4,368 |
Net charge-offs to loans | 0.4002% | 1,070 |
Credit loss provision to net charge-offs | 129.7414% | 1,839 |
Earnings coverage of net charge-offs (x) | 4.9655% | 3,531 |
Efficiency ratio | 64.9954% | 4,403 |
Assets per employee ($millions) | 5.2159% | 2,056 |
Cash dividends to net income (ytd only)* | 68.2594% | 1,375 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4517% | 2,686 |
Loan loss allowance to noncurrent loans | 70.5414% | 4,501 |
Noncurrent assets plus other real estate owned to assets | 1.5266% | 1,780 |
Noncurrent loans to loans | 2.0580% | 1,334 |
Net loans and leases to total assets | 72.0696% | 1,901 |
Net loans and leases to deposits | 91.4238% | 1,353 |
Net loans and leases to core deposits | 91.8791% | 2,102 |
Total domestic deposits to total assets | 78.8303% | 5,284 |
Equity capital to assets | 12.4955% | 1,655 |
Core capital (leverage) ratio | 12.7518% | 1,226 |
Tier 1 risk-based capital ratio | 16.4373% | 2,741 |
Total risk-based capital ratio | 17.6905% | 2,689 |
Memoranda: | ||
Average total assets | $82,016,600 | 5,012 |
Average earning assets | $72,949,200 | 5,071 |
Average equity | $10,583,000 | 4,640 |
Average total loans | $57,970,400 | 4,551 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3081% | 2,599 |
Cost of funding earning assets | 0.5803% | 2,016 |
Net interest margin | 3.7278% | 2,914 |
Noninterest income to average assets | 0.6858% | 2,401 |
Noninterest expense to average assets | 2.3725% | 4,906 |
Loan and lease loss provision to assets | 0.1502% | 1,655 |
Net operating income to assets | 1.4777% | 981 |
Return on assets (ROA) | 1.5234% | 930 |
Pretax return on assets | 1.5234% | 1,570 |
Return on Equity (ROE) | 11.7115% | 1,558 |
Retained earnings to average equity (ytd only) | 11.7115% | 438 |
Net charge-offs to loans | 0.0047% | 4,543 |
Credit loss provision to net charge-offs | 4,600.0000% | 84 |
Earnings coverage of net charge-offs (x) | 497.8652% | 152 |
Efficiency ratio | 59.3061% | 5,276 |
Assets per employee ($millions) | 4.9869% | 2,255 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5576% | 2,467 |
Loan loss allowance to noncurrent loans | 65.6046% | 4,623 |
Noncurrent assets plus other real estate owned to assets | 1.7558% | 1,704 |
Noncurrent loans to loans | 2.3742% | 1,255 |
Net loans and leases to total assets | 71.7650% | 1,890 |
Net loans and leases to deposits | 85.6754% | 1,941 |
Net loans and leases to core deposits | 86.0953% | 2,656 |
Total domestic deposits to total assets | 83.7638% | 3,852 |
Equity capital to assets | 13.8925% | 1,043 |
Core capital (leverage) ratio | 13.6057% | 963 |
Tier 1 risk-based capital ratio | 18.2819% | 2,121 |
Total risk-based capital ratio | 19.5353% | 2,083 |
Memoranda: | ||
Average total assets | $81,657,250 | 5,073 |
Average earning assets | $72,605,500 | 5,131 |
Average equity | $10,621,750 | 4,665 |
Average total loans | $57,205,250 | 4,618 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2925% | 2,604 |
Cost of funding earning assets | 0.5928% | 1,956 |
Net interest margin | 3.6996% | 2,966 |
Noninterest income to average assets | 0.6660% | 2,456 |
Noninterest expense to average assets | 2.3846% | 4,924 |
Loan and lease loss provision to assets | 0.2018% | 1,186 |
Net operating income to assets | 1.3564% | 1,169 |
Return on assets (ROA) | 1.4268% | 1,043 |
Pretax return on assets | 1.4268% | 1,795 |
Return on Equity (ROE) | 11.2158% | 1,660 |
Retained earnings to average equity (ytd only) | 11.2158% | 510 |
Net charge-offs to loans | 0.0211% | 3,791 |
Credit loss provision to net charge-offs | 1,383.3333% | 262 |
Earnings coverage of net charge-offs (x) | 106.8333% | 531 |
Efficiency ratio | 60.4809% | 5,222 |
Assets per employee ($millions) | 5.1151% | 2,075 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5753% | 2,560 |
Loan loss allowance to noncurrent loans | 64.7101% | 4,669 |
Noncurrent assets plus other real estate owned to assets | 1.7106% | 1,910 |
Noncurrent loans to loans | 2.4345% | 1,289 |
Net loans and leases to total assets | 68.1724% | 2,385 |
Net loans and leases to deposits | 83.5100% | 2,082 |
Net loans and leases to core deposits | 84.6516% | 2,669 |
Total domestic deposits to total assets | 81.6339% | 4,770 |
Equity capital to assets | 13.1364% | 1,302 |
Core capital (leverage) ratio | 12.8753% | 1,212 |
Tier 1 risk-based capital ratio | 17.7507% | 2,327 |
Total risk-based capital ratio | 19.0038% | 2,298 |
Memoranda: | ||
Average total assets | $82,279,330 | 5,102 |
Average earning assets | $72,872,000 | 5,162 |
Average equity | $10,467,330 | 4,707 |
Average total loans | $56,884,330 | 4,661 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2509% | 2,688 |
Cost of funding earning assets | 0.5924% | 2,047 |
Net interest margin | 3.6585% | 3,028 |
Noninterest income to average assets | 0.6497% | 2,465 |
Noninterest expense to average assets | 2.3370% | 5,104 |
Loan and lease loss provision to assets | 0.0145% | 3,639 |
Net operating income to assets | 1.5321% | 766 |
Return on assets (ROA) | 1.6776% | 614 |
Pretax return on assets | 1.6776% | 1,021 |
Return on Equity (ROE) | 13.4037% | 1,058 |
Retained earnings to average equity (ytd only) | 13.4037% | 442 |
Net charge-offs to loans | 0.1334% | 1,911 |
Credit loss provision to net charge-offs | 15.7895% | 2,549 |
Earnings coverage of net charge-offs (x) | 16.7895% | 1,493 |
Efficiency ratio | 60.1748% | 5,381 |
Assets per employee ($millions) | 4.9901% | 2,262 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4006% | 3,600 |
Loan loss allowance to noncurrent loans | 63.8468% | 4,708 |
Noncurrent assets plus other real estate owned to assets | 1.5944% | 2,208 |
Noncurrent loans to loans | 2.1937% | 1,658 |
Net loans and leases to total assets | 70.5364% | 1,793 |
Net loans and leases to deposits | 86.9250% | 1,473 |
Net loans and leases to core deposits | 88.1385% | 2,079 |
Total domestic deposits to total assets | 81.1463% | 5,193 |
Equity capital to assets | 13.1298% | 1,246 |
Core capital (leverage) ratio | 12.9665% | 1,179 |
Tier 1 risk-based capital ratio | 17.2554% | 2,570 |
Total risk-based capital ratio | 18.5066% | 2,531 |
Memoranda: | ||
Average total assets | $82,498,500 | 5,149 |
Average earning assets | $72,925,500 | 5,208 |
Average equity | $10,325,500 | 4,760 |
Average total loans | $56,983,500 | 4,685 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0934% | 3,767 |
Cost of funding earning assets | 0.6371% | 2,320 |
Net interest margin | 3.4563% | 4,071 |
Noninterest income to average assets | 0.5942% | 3,129 |
Noninterest expense to average assets | 2.4850% | 4,816 |
Loan and lease loss provision to assets | 0.1330% | 2,650 |
Net operating income to assets | 1.0389% | 2,163 |
Return on assets (ROA) | 1.0248% | 2,288 |
Pretax return on assets | 1.0260% | 3,242 |
Return on Equity (ROE) | 8.4177% | 2,814 |
Retained earnings to average equity (ytd only) | 2.6191% | 4,393 |
Net charge-offs to loans | 0.1889% | 2,949 |
Credit loss provision to net charge-offs | 109.7087% | 2,193 |
Earnings coverage of net charge-offs (x) | 9.6796% | 2,471 |
Efficiency ratio | 67.9318% | 4,213 |
Assets per employee ($millions) | 5.3223% | 1,824 |
Cash dividends to net income (ytd only)* | 68.8863% | 1,359 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4354% | 3,488 |
Loan loss allowance to noncurrent loans | 94.1176% | 3,769 |
Noncurrent assets plus other real estate owned to assets | 1.0416% | 3,337 |
Noncurrent loans to loans | 1.5251% | 2,606 |
Net loans and leases to total assets | 65.8016% | 2,722 |
Net loans and leases to deposits | 77.9484% | 2,728 |
Net loans and leases to core deposits | 78.9245% | 3,248 |
Total domestic deposits to total assets | 84.4168% | 4,006 |
Equity capital to assets | 11.9404% | 1,842 |
Core capital (leverage) ratio | 11.8346% | 1,730 |
Tier 1 risk-based capital ratio | 16.3633% | 2,927 |
Total risk-based capital ratio | 17.6144% | 2,878 |
Memoranda: | ||
Average total assets | $84,991,200 | 5,117 |
Average earning assets | $75,340,400 | 5,169 |
Average equity | $10,347,200 | 4,775 |
Average total loans | $54,527,000 | 4,797 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0261% | 4,025 |
Cost of funding earning assets | 0.6449% | 2,407 |
Net interest margin | 3.3812% | 4,351 |
Noninterest income to average assets | 0.5933% | 3,187 |
Noninterest expense to average assets | 2.2099% | 5,582 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.3937% | 1,117 |
Return on assets (ROA) | 1.3780% | 1,197 |
Pretax return on assets | 1.3796% | 1,996 |
Return on Equity (ROE) | 11.2648% | 1,719 |
Retained earnings to average equity (ytd only) | 11.2648% | 529 |
Net charge-offs to loans | -0.0074% | 5,836 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.2973% | 5,230 |
Assets per employee ($millions) | 5.1345% | 2,013 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4784% | 3,546 |
Loan loss allowance to noncurrent loans | 104.7927% | 3,377 |
Noncurrent assets plus other real estate owned to assets | 1.0602% | 3,531 |
Noncurrent loans to loans | 1.4108% | 3,054 |
Net loans and leases to total assets | 65.6259% | 2,701 |
Net loans and leases to deposits | 78.9599% | 2,537 |
Net loans and leases to core deposits | 79.9908% | 3,134 |
Total domestic deposits to total assets | 83.1130% | 4,537 |
Equity capital to assets | 13.1269% | 1,276 |
Core capital (leverage) ratio | 12.9366% | 1,231 |
Tier 1 risk-based capital ratio | 18.0330% | 2,311 |
Total risk-based capital ratio | 19.2851% | 2,275 |
Memoranda: | ||
Average total assets | $84,950,000 | 5,164 |
Average earning assets | $75,670,750 | 5,207 |
Average equity | $10,392,000 | 4,816 |
Average total loans | $53,946,250 | 4,858 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9627% | 4,251 |
Cost of funding earning assets | 0.6474% | 2,519 |
Net interest margin | 3.3153% | 4,512 |
Noninterest income to average assets | 0.6148% | 3,103 |
Noninterest expense to average assets | 2.1471% | 5,753 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.4229% | 1,031 |
Return on assets (ROA) | 1.4042% | 1,159 |
Pretax return on assets | 1.4066% | 1,910 |
Return on Equity (ROE) | 11.7529% | 1,566 |
Retained earnings to average equity (ytd only) | 11.7529% | 534 |
Net charge-offs to loans | -0.0112% | 5,794 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.1043% | 5,474 |
Assets per employee ($millions) | 5.2282% | 1,861 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4884% | 3,637 |
Loan loss allowance to noncurrent loans | 189.4614% | 2,076 |
Noncurrent assets plus other real estate owned to assets | 0.5344% | 4,924 |
Noncurrent loans to loans | 0.7856% | 4,342 |
Net loans and leases to total assets | 64.0076% | 2,911 |
Net loans and leases to deposits | 76.3951% | 2,821 |
Net loans and leases to core deposits | 77.3631% | 3,374 |
Total domestic deposits to total assets | 83.7850% | 4,417 |
Equity capital to assets | 12.5091% | 1,569 |
Core capital (leverage) ratio | 12.0772% | 1,577 |
Tier 1 risk-based capital ratio | 17.4462% | 2,534 |
Total risk-based capital ratio | 18.6977% | 2,503 |
Memoranda: | ||
Average total assets | $85,882,670 | 5,160 |
Average earning assets | $76,614,330 | 5,210 |
Average equity | $10,261,330 | 4,884 |
Average total loans | $53,687,670 | 4,891 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8833% | 4,538 |
Cost of funding earning assets | 0.6585% | 2,576 |
Net interest margin | 3.2249% | 4,827 |
Noninterest income to average assets | 0.5839% | 3,228 |
Noninterest expense to average assets | 2.1012% | 5,914 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.3380% | 1,183 |
Return on assets (ROA) | 1.3196% | 1,333 |
Pretax return on assets | 1.3242% | 2,144 |
Return on Equity (ROE) | 11.2992% | 1,618 |
Retained earnings to average equity (ytd only) | 11.2992% | 818 |
Net charge-offs to loans | -0.0075% | 5,359 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.0147% | 5,442 |
Assets per employee ($millions) | 5.5256% | 1,647 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5105% | 3,781 |
Loan loss allowance to noncurrent loans | 177.7533% | 2,080 |
Noncurrent assets plus other real estate owned to assets | 0.5803% | 4,940 |
Noncurrent loans to loans | 0.8498% | 4,420 |
Net loans and leases to total assets | 59.5170% | 3,514 |
Net loans and leases to deposits | 70.1484% | 3,458 |
Net loans and leases to core deposits | 70.9696% | 3,955 |
Total domestic deposits to total assets | 84.8445% | 4,123 |
Equity capital to assets | 11.6548% | 2,288 |
Core capital (leverage) ratio | 11.9222% | 1,612 |
Tier 1 risk-based capital ratio | 16.8722% | 2,820 |
Total risk-based capital ratio | 18.1236% | 2,785 |
Memoranda: | ||
Average total assets | $86,998,500 | 5,170 |
Average earning assets | $77,150,000 | 5,234 |
Average equity | $10,160,000 | 4,953 |
Average total loans | $53,355,500 | 4,938 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3708% | 3,941 |
Cost of funding earning assets | 0.8210% | 2,504 |
Net interest margin | 3.5498% | 4,304 |
Noninterest income to average assets | 0.6135% | 3,211 |
Noninterest expense to average assets | 2.4705% | 5,186 |
Loan and lease loss provision to assets | 0.0951% | 4,479 |
Net operating income to assets | 1.1928% | 1,628 |
Return on assets (ROA) | 1.1649% | 1,874 |
Pretax return on assets | 1.1662% | 2,916 |
Return on Equity (ROE) | 9.0826% | 2,604 |
Retained earnings to average equity (ytd only) | 3.1527% | 4,012 |
Net charge-offs to loans | 0.0160% | 5,690 |
Credit loss provision to net charge-offs | 937.5000% | 271 |
Earnings coverage of net charge-offs (x) | 127.1250% | 316 |
Efficiency ratio | 65.7114% | 4,558 |
Assets per employee ($millions) | 5.3492% | 1,843 |
Cash dividends to net income (ytd only)* | 65.2884% | 1,546 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5126% | 3,696 |
Loan loss allowance to noncurrent loans | 192.8230% | 1,903 |
Noncurrent assets plus other real estate owned to assets | 0.7116% | 4,700 |
Noncurrent loans to loans | 0.7845% | 4,612 |
Net loans and leases to total assets | 61.3166% | 3,369 |
Net loans and leases to deposits | 72.9300% | 3,260 |
Net loans and leases to core deposits | 73.8174% | 3,807 |
Total domestic deposits to total assets | 84.0759% | 4,281 |
Equity capital to assets | 11.7027% | 2,272 |
Core capital (leverage) ratio | 11.7771% | 1,681 |
Tier 1 risk-based capital ratio | 16.4846% | 2,901 |
Total risk-based capital ratio | 17.7361% | 2,869 |
Memoranda: | ||
Average total assets | $78,891,600 | 5,386 |
Average earning assets | $69,918,800 | 5,434 |
Average equity | $10,118,200 | 4,959 |
Average total loans | $49,902,400 | 5,111 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4246% | 3,947 |
Cost of funding earning assets | 0.8570% | 2,484 |
Net interest margin | 3.5676% | 4,366 |
Noninterest income to average assets | 0.6440% | 3,022 |
Noninterest expense to average assets | 2.2740% | 5,759 |
Loan and lease loss provision to assets | 0.0777% | 4,667 |
Net operating income to assets | 1.4677% | 1,078 |
Return on assets (ROA) | 1.4383% | 1,269 |
Pretax return on assets | 1.4400% | 2,113 |
Return on Equity (ROE) | 10.9490% | 1,976 |
Retained earnings to average equity (ytd only) | 10.9490% | 692 |
Net charge-offs to loans | 0.0082% | 5,606 |
Credit loss provision to net charge-offs | 1,500.0000% | 181 |
Earnings coverage of net charge-offs (x) | 298.6600% | 154 |
Efficiency ratio | 59.5120% | 5,578 |
Assets per employee ($millions) | 4.9677% | 2,230 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5112% | 3,906 |
Loan loss allowance to noncurrent loans | 197.7215% | 1,798 |
Noncurrent assets plus other real estate owned to assets | 0.9096% | 4,462 |
Noncurrent loans to loans | 0.7643% | 4,887 |
Net loans and leases to total assets | 64.0376% | 3,021 |
Net loans and leases to deposits | 78.6705% | 2,569 |
Net loans and leases to core deposits | 79.7265% | 3,235 |
Total domestic deposits to total assets | 81.3998% | 5,235 |
Equity capital to assets | 13.2947% | 1,442 |
Core capital (leverage) ratio | 13.3178% | 1,067 |
Tier 1 risk-based capital ratio | 18.2194% | 2,258 |
Total risk-based capital ratio | 19.4707% | 2,239 |
Memoranda: | ||
Average total assets | $77,217,750 | 5,483 |
Average earning assets | $68,765,250 | 5,536 |
Average equity | $10,143,750 | 4,994 |
Average total loans | $49,056,750 | 5,200 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4437% | 4,010 |
Cost of funding earning assets | 0.8952% | 2,440 |
Net interest margin | 3.5485% | 4,473 |
Noninterest income to average assets | 0.6565% | 2,920 |
Noninterest expense to average assets | 2.2468% | 5,884 |
Loan and lease loss provision to assets | 0.0654% | 4,825 |
Net operating income to assets | 1.4935% | 1,005 |
Return on assets (ROA) | 1.4648% | 1,190 |
Pretax return on assets | 1.4674% | 1,966 |
Return on Equity (ROE) | 11.1970% | 1,921 |
Retained earnings to average equity (ytd only) | 11.1970% | 714 |
Net charge-offs to loans | -0.0083% | 6,245 |
Credit loss provision to net charge-offs | -1,250.0000% | 6,434 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.9973% | 5,732 |
Assets per employee ($millions) | 4.8443% | 2,367 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4817% | 4,101 |
Loan loss allowance to noncurrent loans | 151.3834% | 2,223 |
Noncurrent assets plus other real estate owned to assets | 1.0244% | 4,332 |
Noncurrent loans to loans | 0.9788% | 4,557 |
Net loans and leases to total assets | 65.7106% | 2,730 |
Net loans and leases to deposits | 80.9559% | 2,232 |
Net loans and leases to core deposits | 81.6595% | 2,999 |
Total domestic deposits to total assets | 81.1684% | 5,405 |
Equity capital to assets | 13.2696% | 1,406 |
Core capital (leverage) ratio | 13.6705% | 908 |
Tier 1 risk-based capital ratio | 17.8737% | 2,333 |
Total risk-based capital ratio | 19.1256% | 2,301 |
Memoranda: | ||
Average total assets | $76,462,670 | 5,532 |
Average earning assets | $67,916,000 | 5,592 |
Average equity | $10,002,670 | 5,030 |
Average total loans | $48,182,330 | 5,262 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4271% | 4,212 |
Cost of funding earning assets | 0.9521% | 2,292 |
Net interest margin | 3.4751% | 4,810 |
Noninterest income to average assets | 0.6163% | 3,124 |
Noninterest expense to average assets | 2.2386% | 5,946 |
Loan and lease loss provision to assets | 0.0527% | 4,752 |
Net operating income to assets | 1.3958% | 1,232 |
Return on assets (ROA) | 1.3695% | 1,432 |
Pretax return on assets | 1.3748% | 2,265 |
Return on Equity (ROE) | 10.5461% | 2,214 |
Retained earnings to average equity (ytd only) | 10.5461% | 1,155 |
Net charge-offs to loans | 0.0086% | 4,610 |
Credit loss provision to net charge-offs | 1,000.0000% | 338 |
Earnings coverage of net charge-offs (x) | 276.0000% | 121 |
Efficiency ratio | 60.6277% | 5,522 |
Assets per employee ($millions) | 4.6083% | 2,793 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6152% | 3,669 |
Loan loss allowance to noncurrent loans | 75.8621% | 3,816 |
Noncurrent assets plus other real estate owned to assets | 1.5502% | 3,537 |
Noncurrent loans to loans | 2.1291% | 2,990 |
Net loans and leases to total assets | 61.7932% | 3,296 |
Net loans and leases to deposits | 77.2578% | 2,639 |
Net loans and leases to core deposits | 77.9624% | 3,329 |
Total domestic deposits to total assets | 79.9832% | 5,855 |
Equity capital to assets | 13.5787% | 1,206 |
Core capital (leverage) ratio | 13.2293% | 1,048 |
Tier 1 risk-based capital ratio | 19.0900% | 1,963 |
Total risk-based capital ratio | 20.3435% | 1,931 |
Memoranda: | ||
Average total assets | $75,940,000 | 5,598 |
Average earning assets | $67,222,000 | 5,652 |
Average equity | $9,861,500 | 5,078 |
Average total loans | $46,425,000 | 5,362 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6429% | 4,485 |
Cost of funding earning assets | 1.1517% | 2,343 |
Net interest margin | 3.4912% | 5,174 |
Noninterest income to average assets | 0.6611% | 2,829 |
Noninterest expense to average assets | 2.5520% | 5,284 |
Loan and lease loss provision to assets | 0.7013% | 1,458 |
Net operating income to assets | 0.5325% | 4,299 |
Return on assets (ROA) | 0.5247% | 4,530 |
Pretax return on assets | 0.5260% | 4,916 |
Return on Equity (ROE) | 4.1657% | 4,770 |
Retained earnings to average equity (ytd only) | 1.5879% | 5,080 |
Net charge-offs to loans | 1.0913% | 1,580 |
Credit loss provision to net charge-offs | 106.7194% | 3,177 |
Earnings coverage of net charge-offs (x) | 1.8794% | 4,369 |
Efficiency ratio | 67.3868% | 4,491 |
Assets per employee ($millions) | 4.8842% | 2,341 |
Cash dividends to net income (ytd only)* | 61.8812% | 1,477 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5879% | 3,634 |
Loan loss allowance to noncurrent loans | 82.1111% | 3,591 |
Noncurrent assets plus other real estate owned to assets | 1.4447% | 3,819 |
Noncurrent loans to loans | 1.9338% | 3,295 |
Net loans and leases to total assets | 58.6088% | 4,265 |
Net loans and leases to deposits | 72.8167% | 3,694 |
Net loans and leases to core deposits | 73.4391% | 4,311 |
Total domestic deposits to total assets | 80.4881% | 5,596 |
Equity capital to assets | 12.4266% | 1,840 |
Core capital (leverage) ratio | 12.1199% | 1,524 |
Tier 1 risk-based capital ratio | 18.1510% | 2,145 |
Total risk-based capital ratio | 19.4037% | 2,115 |
Memoranda: | ||
Average total assets | $76,998,600 | 5,536 |
Average earning assets | $68,944,200 | 5,578 |
Average equity | $9,698,200 | 5,096 |
Average total loans | $46,367,000 | 5,408 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6604% | 4,634 |
Cost of funding earning assets | 1.2061% | 2,281 |
Net interest margin | 3.4543% | 5,376 |
Noninterest income to average assets | 0.6709% | 2,767 |
Noninterest expense to average assets | 2.4298% | 5,691 |
Loan and lease loss provision to assets | 0.8951% | 1,005 |
Net operating income to assets | 0.4554% | 4,747 |
Return on assets (ROA) | 0.4519% | 4,956 |
Pretax return on assets | 0.4536% | 5,308 |
Return on Equity (ROE) | 3.5757% | 5,186 |
Retained earnings to average equity (ytd only) | 3.5757% | 4,197 |
Net charge-offs to loans | 1.3873% | 1,090 |
Credit loss provision to net charge-offs | 106.8465% | 3,095 |
Earnings coverage of net charge-offs (x) | 1.6141% | 4,437 |
Efficiency ratio | 64.2463% | 5,025 |
Assets per employee ($millions) | 4.6572% | 2,681 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5873% | 3,726 |
Loan loss allowance to noncurrent loans | 129.9296% | 2,331 |
Noncurrent assets plus other real estate owned to assets | 1.0803% | 4,602 |
Noncurrent loans to loans | 1.2216% | 4,506 |
Net loans and leases to total assets | 61.4064% | 3,871 |
Net loans and leases to deposits | 77.9718% | 3,002 |
Net loans and leases to core deposits | 79.0222% | 3,769 |
Total domestic deposits to total assets | 78.7546% | 6,034 |
Equity capital to assets | 13.2014% | 1,518 |
Core capital (leverage) ratio | 12.8207% | 1,288 |
Tier 1 risk-based capital ratio | 18.6050% | 2,061 |
Total risk-based capital ratio | 19.8576% | 2,016 |
Memoranda: | ||
Average total assets | $76,711,500 | 5,588 |
Average earning assets | $69,091,750 | 5,611 |
Average equity | $9,695,000 | 5,127 |
Average total loans | $46,323,750 | 5,458 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5400% | 5,217 |
Cost of funding earning assets | 1.2359% | 2,349 |
Net interest margin | 3.3042% | 5,843 |
Noninterest income to average assets | 0.6947% | 2,579 |
Noninterest expense to average assets | 2.4224% | 5,774 |
Loan and lease loss provision to assets | 0.2453% | 3,453 |
Net operating income to assets | 1.0072% | 2,199 |
Return on assets (ROA) | 1.0072% | 2,297 |
Pretax return on assets | 1.0098% | 3,205 |
Return on Equity (ROE) | 8.0849% | 2,913 |
Retained earnings to average equity (ytd only) | 8.0849% | 1,436 |
Net charge-offs to loans | -0.0346% | 6,952 |
Credit loss provision to net charge-offs | -1,187.5000% | 6,615 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.8708% | 4,899 |
Assets per employee ($millions) | 4.5831% | 2,717 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7392% | 3,191 |
Loan loss allowance to noncurrent loans | 75.0232% | 3,731 |
Noncurrent assets plus other real estate owned to assets | 1.7919% | 3,521 |
Noncurrent loans to loans | 2.3182% | 3,076 |
Net loans and leases to total assets | 62.2542% | 3,839 |
Net loans and leases to deposits | 75.6337% | 3,540 |
Net loans and leases to core deposits | 76.6252% | 4,237 |
Total domestic deposits to total assets | 82.3101% | 5,058 |
Equity capital to assets | 13.5252% | 1,277 |
Core capital (leverage) ratio | 12.5393% | 1,341 |
Tier 1 risk-based capital ratio | 18.9492% | 1,865 |
Total risk-based capital ratio | 20.2040% | 1,824 |
Memoranda: | ||
Average total assets | $77,443,670 | 5,609 |
Average earning assets | $69,911,330 | 5,632 |
Average equity | $9,647,670 | 5,138 |
Average total loans | $46,266,670 | 5,511 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4008% | 5,698 |
Cost of funding earning assets | 1.2741% | 2,338 |
Net interest margin | 3.1267% | 6,276 |
Noninterest income to average assets | 0.6692% | 2,730 |
Noninterest expense to average assets | 2.3698% | 5,984 |
Loan and lease loss provision to assets | 0.0503% | 5,369 |
Net operating income to assets | 1.0717% | 1,945 |
Return on assets (ROA) | 1.0717% | 1,994 |
Pretax return on assets | 1.0767% | 2,843 |
Return on Equity (ROE) | 8.9566% | 2,492 |
Retained earnings to average equity (ytd only) | 8.9566% | 1,392 |
Net charge-offs to loans | -0.0260% | 6,659 |
Credit loss provision to net charge-offs | -333.3333% | 5,886 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.7698% | 4,701 |
Assets per employee ($millions) | 4.9249% | 2,264 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5757% | 3,843 |
Loan loss allowance to noncurrent loans | 58.8525% | 4,476 |
Noncurrent assets plus other real estate owned to assets | 1.8490% | 3,493 |
Noncurrent loans to loans | 2.6773% | 2,815 |
Net loans and leases to total assets | 56.9170% | 4,817 |
Net loans and leases to deposits | 67.8415% | 4,698 |
Net loans and leases to core deposits | 68.6378% | 5,210 |
Total domestic deposits to total assets | 83.8970% | 4,527 |
Equity capital to assets | 12.2159% | 1,781 |
Core capital (leverage) ratio | 12.0579% | 1,531 |
Tier 1 risk-based capital ratio | 18.3770% | 1,996 |
Total risk-based capital ratio | 19.6280% | 1,948 |
Memoranda: | ||
Average total assets | $79,500,500 | 5,602 |
Average earning assets | $71,896,000 | 5,607 |
Average equity | $9,512,500 | 5,172 |
Average total loans | $46,170,500 | 5,553 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0478% | 4,329 |
Cost of funding earning assets | 1.5784% | 2,199 |
Net interest margin | 3.4694% | 5,367 |
Noninterest income to average assets | 0.5295% | 3,959 |
Noninterest expense to average assets | 2.5773% | 5,513 |
Loan and lease loss provision to assets | 0.0716% | 6,429 |
Net operating income to assets | 0.9992% | 2,045 |
Return on assets (ROA) | 0.9992% | 2,145 |
Pretax return on assets | 1.0005% | 2,931 |
Return on Equity (ROE) | 8.0404% | 2,685 |
Retained earnings to average equity (ytd only) | 2.8058% | 3,886 |
Net charge-offs to loans | 0.2821% | 4,609 |
Credit loss provision to net charge-offs | 40.7407% | 6,378 |
Earnings coverage of net charge-offs (x) | 6.1037% | 2,440 |
Efficiency ratio | 70.6239% | 4,050 |
Assets per employee ($millions) | 5.0126% | 2,142 |
Cash dividends to net income (ytd only)* | 65.1042% | 1,418 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5073% | 3,966 |
Loan loss allowance to noncurrent loans | 214.9390% | 1,405 |
Noncurrent assets plus other real estate owned to assets | 0.7045% | 5,591 |
Noncurrent loans to loans | 0.7013% | 5,646 |
Net loans and leases to total assets | 57.4400% | 5,122 |
Net loans and leases to deposits | 68.0282% | 5,101 |
Net loans and leases to core deposits | 69.4569% | 5,496 |
Total domestic deposits to total assets | 84.4356% | 4,156 |
Equity capital to assets | 11.7192% | 2,111 |
Core capital (leverage) ratio | 11.8164% | 1,659 |
Tier 1 risk-based capital ratio | 17.5075% | 2,171 |
Total risk-based capital ratio | 18.7580% | 2,136 |
Memoranda: | ||
Average total assets | $76,862,000 | 5,684 |
Average earning assets | $69,119,200 | 5,697 |
Average equity | $9,551,800 | 5,249 |
Average total loans | $47,851,400 | 5,568 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1450% | 4,097 |
Cost of funding earning assets | 1.6441% | 2,139 |
Net interest margin | 3.5010% | 5,286 |
Noninterest income to average assets | 0.5735% | 3,627 |
Noninterest expense to average assets | 2.3588% | 6,154 |
Loan and lease loss provision to assets | 0.0789% | 6,256 |
Net operating income to assets | 1.2785% | 1,387 |
Return on assets (ROA) | 1.2785% | 1,470 |
Pretax return on assets | 1.2802% | 2,229 |
Return on Equity (ROE) | 10.1353% | 2,075 |
Retained earnings to average equity (ytd only) | 10.1353% | 761 |
Net charge-offs to loans | 0.1274% | 5,278 |
Credit loss provision to net charge-offs | 97.8261% | 4,444 |
Earnings coverage of net charge-offs (x) | 16.8484% | 1,357 |
Efficiency ratio | 63.4434% | 5,355 |
Assets per employee ($millions) | 4.9202% | 2,293 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6507% | 3,330 |
Loan loss allowance to noncurrent loans | 201.5424% | 1,436 |
Noncurrent assets plus other real estate owned to assets | 2.0172% | 3,445 |
Noncurrent loans to loans | 0.8190% | 5,580 |
Net loans and leases to total assets | 59.3359% | 5,033 |
Net loans and leases to deposits | 72.2264% | 4,809 |
Net loans and leases to core deposits | 73.8315% | 5,312 |
Total domestic deposits to total assets | 82.1526% | 4,934 |
Equity capital to assets | 12.6634% | 1,774 |
Core capital (leverage) ratio | 12.6767% | 1,347 |
Tier 1 risk-based capital ratio | 18.3644% | 1,913 |
Total risk-based capital ratio | 19.6353% | 1,869 |
Memoranda: | ||
Average total assets | $76,027,000 | 5,772 |
Average earning assets | $68,284,500 | 5,787 |
Average equity | $9,590,000 | 5,318 |
Average total loans | $48,121,000 | 5,642 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2193% | 3,857 |
Cost of funding earning assets | 1.7200% | 2,013 |
Net interest margin | 3.4993% | 5,246 |
Noninterest income to average assets | 0.6096% | 3,265 |
Noninterest expense to average assets | 2.4145% | 6,026 |
Loan and lease loss provision to assets | 0.0799% | 6,139 |
Net operating income to assets | 1.2539% | 1,421 |
Return on assets (ROA) | 1.2539% | 1,483 |
Pretax return on assets | 1.2565% | 2,236 |
Return on Equity (ROE) | 9.9539% | 2,124 |
Retained earnings to average equity (ytd only) | 9.9539% | 856 |
Net charge-offs to loans | 0.2359% | 4,191 |
Credit loss provision to net charge-offs | 52.6316% | 5,362 |
Earnings coverage of net charge-offs (x) | 8.8070% | 2,095 |
Efficiency ratio | 64.3719% | 5,264 |
Assets per employee ($millions) | 4.7487% | 2,508 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5776% | 3,547 |
Loan loss allowance to noncurrent loans | 89.9170% | 3,024 |
Noncurrent assets plus other real estate owned to assets | 2.9798% | 2,393 |
Noncurrent loans to loans | 1.7545% | 4,052 |
Net loans and leases to total assets | 62.2396% | 4,634 |
Net loans and leases to deposits | 76.0261% | 4,332 |
Net loans and leases to core deposits | 77.7626% | 4,992 |
Total domestic deposits to total assets | 81.8660% | 5,047 |
Equity capital to assets | 12.7667% | 1,665 |
Core capital (leverage) ratio | 12.1333% | 1,576 |
Tier 1 risk-based capital ratio | 17.8561% | 1,994 |
Total risk-based capital ratio | 19.1250% | 1,958 |
Memoranda: | ||
Average total assets | $75,128,330 | 5,832 |
Average earning assets | $67,442,000 | 5,845 |
Average equity | $9,463,670 | 5,351 |
Average total loans | $48,329,670 | 5,676 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2649% | 3,708 |
Cost of funding earning assets | 1.8008% | 1,870 |
Net interest margin | 3.4641% | 5,316 |
Noninterest income to average assets | 0.6425% | 2,977 |
Noninterest expense to average assets | 2.4256% | 5,997 |
Loan and lease loss provision to assets | 0.0803% | 5,841 |
Net operating income to assets | 1.2315% | 1,461 |
Return on assets (ROA) | 1.2315% | 1,536 |
Pretax return on assets | 1.2369% | 2,245 |
Return on Equity (ROE) | 9.8443% | 2,156 |
Retained earnings to average equity (ytd only) | 9.8443% | 1,176 |
Net charge-offs to loans | 0.1155% | 4,285 |
Credit loss provision to net charge-offs | 107.1429% | 3,206 |
Earnings coverage of net charge-offs (x) | 17.5714% | 1,277 |
Efficiency ratio | 64.8069% | 5,341 |
Assets per employee ($millions) | 4.4061% | 3,115 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6069% | 3,411 |
Loan loss allowance to noncurrent loans | 34.8868% | 6,059 |
Noncurrent assets plus other real estate owned to assets | 3.4639% | 2,038 |
Noncurrent loans to loans | 4.6059% | 1,615 |
Net loans and leases to total assets | 68.2700% | 3,315 |
Net loans and leases to deposits | 84.4932% | 2,858 |
Net loans and leases to core deposits | 86.1971% | 3,864 |
Total domestic deposits to total assets | 80.7995% | 5,522 |
Equity capital to assets | 13.4075% | 1,361 |
Core capital (leverage) ratio | 11.4403% | 1,947 |
Tier 1 risk-based capital ratio | 17.8163% | 1,994 |
Total risk-based capital ratio | 19.0693% | 1,963 |
Memoranda: | ||
Average total assets | $74,703,000 | 5,916 |
Average earning assets | $66,857,500 | 5,940 |
Average equity | $9,345,500 | 5,441 |
Average total loans | $48,471,000 | 5,738 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3481% | 4,946 |
Cost of funding earning assets | 1.9243% | 3,335 |
Net interest margin | 3.4238% | 5,273 |
Noninterest income to average assets | 0.5724% | 3,838 |
Noninterest expense to average assets | 2.4211% | 6,403 |
Loan and lease loss provision to assets | 0.1547% | 6,123 |
Net operating income to assets | 1.0803% | 1,568 |
Return on assets (ROA) | 1.0803% | 1,616 |
Pretax return on assets | 1.0816% | 2,301 |
Return on Equity (ROE) | 9.2041% | 1,959 |
Retained earnings to average equity (ytd only) | 6.4583% | 1,167 |
Net charge-offs to loans | -0.0143% | 7,771 |
Credit loss provision to net charge-offs | -1,714.2857% | 7,474 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.1967% | 5,359 |
Assets per employee ($millions) | 4.9318% | 2,302 |
Cash dividends to net income (ytd only)* | 29.8329% | 3,328 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6345% | 3,149 |
Loan loss allowance to noncurrent loans | 33.1643% | 6,234 |
Noncurrent assets plus other real estate owned to assets | 3.2405% | 2,118 |
Noncurrent loans to loans | 4.9285% | 1,381 |
Net loans and leases to total assets | 59.8697% | 5,361 |
Net loans and leases to deposits | 72.0548% | 5,317 |
Net loans and leases to core deposits | 81.9278% | 5,912 |
Total domestic deposits to total assets | 83.0892% | 4,485 |
Equity capital to assets | 11.7086% | 2,182 |
Core capital (leverage) ratio | 11.1171% | 2,160 |
Tier 1 risk-based capital ratio | 16.9816% | 2,151 |
Total risk-based capital ratio | 18.2340% | 2,121 |
Memoranda: | ||
Average total assets | $77,568,600 | 5,793 |
Average earning assets | $69,893,800 | 5,815 |
Average equity | $9,104,600 | 5,579 |
Average total loans | $49,078,600 | 5,714 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4021% | 4,938 |
Cost of funding earning assets | 1.9734% | 3,500 |
Net interest margin | 3.4287% | 5,152 |
Noninterest income to average assets | 0.5800% | 3,853 |
Noninterest expense to average assets | 2.1596% | 7,079 |
Loan and lease loss provision to assets | 0.2072% | 5,326 |
Net operating income to assets | 1.3189% | 1,181 |
Return on assets (ROA) | 1.3189% | 1,252 |
Pretax return on assets | 1.3206% | 1,907 |
Return on Equity (ROE) | 11.2296% | 1,562 |
Retained earnings to average equity (ytd only) | 11.2296% | 446 |
Net charge-offs to loans | -0.0189% | 7,759 |
Credit loss provision to net charge-offs | -1,714.2857% | 7,359 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.5674% | 6,635 |
Assets per employee ($millions) | 4.8498% | 2,331 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6236% | 2,901 |
Loan loss allowance to noncurrent loans | 35.9268% | 6,008 |
Noncurrent assets plus other real estate owned to assets | 3.1522% | 2,166 |
Noncurrent loans to loans | 4.5192% | 1,542 |
Net loans and leases to total assets | 61.2962% | 5,362 |
Net loans and leases to deposits | 71.3713% | 5,756 |
Net loans and leases to core deposits | 81.1645% | 6,257 |
Total domestic deposits to total assets | 85.8835% | 2,757 |
Equity capital to assets | 12.1693% | 2,146 |
Core capital (leverage) ratio | 11.7847% | 1,916 |
Tier 1 risk-based capital ratio | 17.4455% | 2,131 |
Total risk-based capital ratio | 18.6983% | 2,089 |
Memoranda: | ||
Average total assets | $77,233,750 | 5,838 |
Average earning assets | $69,995,250 | 5,843 |
Average equity | $9,071,000 | 5,642 |
Average total loans | $49,341,500 | 5,749 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5300% | 4,443 |
Cost of funding earning assets | 2.0119% | 3,718 |
Net interest margin | 3.5180% | 4,713 |
Noninterest income to average assets | 0.5913% | 3,765 |
Noninterest expense to average assets | 2.1631% | 7,141 |
Loan and lease loss provision to assets | 0.3112% | 4,081 |
Net operating income to assets | 1.3072% | 1,214 |
Return on assets (ROA) | 1.3072% | 1,291 |
Pretax return on assets | 1.3098% | 1,995 |
Return on Equity (ROE) | 11.2663% | 1,626 |
Retained earnings to average equity (ytd only) | 11.2663% | 527 |
Net charge-offs to loans | -0.1208% | 7,975 |
Credit loss provision to net charge-offs | -400.0000% | 7,035 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.1624% | 6,971 |
Assets per employee ($millions) | 4.2046% | 3,293 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6195% | 2,661 |
Loan loss allowance to noncurrent loans | 33.9068% | 6,198 |
Noncurrent assets plus other real estate owned to assets | 3.9303% | 1,525 |
Noncurrent loans to loans | 4.7763% | 1,313 |
Net loans and leases to total assets | 72.9624% | 2,963 |
Net loans and leases to deposits | 86.7423% | 3,403 |
Net loans and leases to core deposits | 100.9025% | 4,412 |
Total domestic deposits to total assets | 84.1140% | 3,703 |
Equity capital to assets | 13.6058% | 1,460 |
Core capital (leverage) ratio | 10.9731% | 2,420 |
Tier 1 risk-based capital ratio | 17.3846% | 2,182 |
Total risk-based capital ratio | 18.6401% | 2,128 |
Memoranda: | ||
Average total assets | $77,112,670 | 5,891 |
Average earning assets | $69,982,000 | 5,885 |
Average equity | $8,947,000 | 5,702 |
Average total loans | $49,672,330 | 5,783 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1649% | 6,427 |
Cost of funding earning assets | 1.8908% | 4,677 |
Net interest margin | 3.2742% | 5,600 |
Noninterest income to average assets | 0.5510% | 3,911 |
Noninterest expense to average assets | 1.9261% | 7,498 |
Loan and lease loss provision to assets | 0.3803% | 3,042 |
Net operating income to assets | 1.2288% | 1,573 |
Return on assets (ROA) | 1.2288% | 1,678 |
Pretax return on assets | 1.2337% | 2,501 |
Return on Equity (ROE) | 11.3976% | 1,848 |
Retained earnings to average equity (ytd only) | 11.3976% | 904 |
Net charge-offs to loans | -0.0404% | 7,640 |
Credit loss provision to net charge-offs | -1,560.0000% | 6,598 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.4077% | 7,176 |
Assets per employee ($millions) | 5.1591% | 1,877 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4866% | 3,062 |
Loan loss allowance to noncurrent loans | 34.3373% | 6,249 |
Noncurrent assets plus other real estate owned to assets | 2.9305% | 1,941 |
Noncurrent loans to loans | 4.3294% | 1,349 |
Net loans and leases to total assets | 59.4876% | 5,735 |
Net loans and leases to deposits | 68.4405% | 6,138 |
Net loans and leases to core deposits | 77.2756% | 6,591 |
Total domestic deposits to total assets | 86.9187% | 2,259 |
Equity capital to assets | 10.8341% | 3,138 |
Core capital (leverage) ratio | 10.8646% | 2,610 |
Tier 1 risk-based capital ratio | 15.9009% | 2,724 |
Total risk-based capital ratio | 17.1528% | 2,666 |
Memoranda: | ||
Average total assets | $82,032,500 | 5,749 |
Average earning assets | $74,889,500 | 5,735 |
Average equity | $8,844,000 | 5,756 |
Average total loans | $49,562,500 | 5,820 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2474% | 4,258 |
Cost of funding earning assets | 2.6151% | 3,607 |
Net interest margin | 3.6323% | 4,743 |
Noninterest income to average assets | 0.6618% | 3,393 |
Noninterest expense to average assets | 2.4229% | 6,320 |
Loan and lease loss provision to assets | 0.4783% | 2,911 |
Net operating income to assets | 1.0490% | 2,354 |
Return on assets (ROA) | 1.0490% | 2,250 |
Pretax return on assets | 1.0504% | 3,209 |
Return on Equity (ROE) | 8.7755% | 2,722 |
Retained earnings to average equity (ytd only) | 3.0919% | 3,236 |
Net charge-offs to loans | 0.5882% | 2,065 |
Credit loss provision to net charge-offs | 126.6187% | 4,218 |
Earnings coverage of net charge-offs (x) | 4.0468% | 4,127 |
Efficiency ratio | 61.3136% | 6,105 |
Assets per employee ($millions) | 5.0950% | 1,847 |
Cash dividends to net income (ytd only)* | 64.7668% | 2,426 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3352% | 3,561 |
Loan loss allowance to noncurrent loans | 55.7627% | 5,191 |
Noncurrent assets plus other real estate owned to assets | 1.7677% | 2,766 |
Noncurrent loans to loans | 2.3945% | 2,294 |
Net loans and leases to total assets | 59.6443% | 5,964 |
Net loans and leases to deposits | 68.6054% | 6,408 |
Net loans and leases to core deposits | 78.1855% | 6,743 |
Total domestic deposits to total assets | 86.9382% | 1,964 |
Equity capital to assets | 10.7274% | 3,272 |
Core capital (leverage) ratio | 10.7575% | 2,773 |
Tier 1 risk-based capital ratio | 15.5315% | 2,836 |
Total risk-based capital ratio | 16.7304% | 2,788 |
Memoranda: | ||
Average total assets | $73,590,800 | 5,919 |
Average earning assets | $66,651,200 | 5,946 |
Average equity | $8,797,200 | 5,809 |
Average total loans | $47,260,000 | 5,812 |