Home > Timberwood Bank > Performance and Condition Ratios
Timberwood Bank, Performance and Condition Ratios
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 | 4.3596% | 2,750 |
Cost of funding earning assets | 0.9841% | 1,490 |
Net interest margin | 3.3756% | 3,375 |
Noninterest income to average assets | 0.6699% | 1,767 |
Noninterest expense to average assets | 2.0013% | 4,389 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.3704% | 1,058 |
Return on assets (ROA) | 1.3484% | 1,196 |
Pretax return on assets | 1.7465% | 777 |
Return on Equity (ROE) | 10.5239% | 1,561 |
Retained earnings to average equity (ytd only) | 2.1716% | 3,384 |
Net charge-offs to loans | 0.0034% | 2,464 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | 829.0000% | 67 |
Efficiency ratio | 53.0045% | 4,468 |
Assets per employee ($millions) | 5.3784% | 2,245 |
Cash dividends to net income (ytd only)* | 79.3651% | 1,044 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1285% | 414 |
Loan loss allowance to noncurrent loans | 84.6500% | 3,476 |
Noncurrent assets plus other real estate owned to assets | 1.5782% | 657 |
Noncurrent loans to loans | 2.5145% | 478 |
Net loans and leases to total assets | 61.4280% | 3,357 |
Net loans and leases to deposits | 75.1921% | 3,153 |
Net loans and leases to core deposits | 89.2486% | 2,421 |
Total domestic deposits to total assets | 81.6948% | 3,499 |
Equity capital to assets | 12.9089% | 1,480 |
Core capital (leverage) ratio | 11.3385% | 2,210 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.3873% | 1,256 |
Memoranda: | ||
Average total assets | $186,883,000 | 2,986 |
Average earning assets | $171,942,000 | 3,000 |
Average equity | $23,945,500 | 2,855 |
Average total loans | $117,991,000 | 2,978 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4937% | 2,970 |
Cost of funding earning assets | 0.9903% | 1,766 |
Net interest margin | 3.5034% | 3,439 |
Noninterest income to average assets | 0.6092% | 2,173 |
Noninterest expense to average assets | 2.2138% | 4,139 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.2659% | 1,819 |
Return on assets (ROA) | 1.2886% | 1,813 |
Pretax return on assets | 1.6615% | 1,301 |
Return on Equity (ROE) | 10.2645% | 2,177 |
Retained earnings to average equity (ytd only) | 2.6361% | 3,718 |
Net charge-offs to loans | -0.0332% | 4,731 |
Credit loss provision to net charge-offs | 0.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.5519% | 4,025 |
Assets per employee ($millions) | 5.3028% | 2,245 |
Cash dividends to net income (ytd only)* | 74.3187% | 979 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0164% | 446 |
Loan loss allowance to noncurrent loans | 98.4690% | 3,319 |
Noncurrent assets plus other real estate owned to assets | 1.3002% | 853 |
Noncurrent loans to loans | 2.0477% | 621 |
Net loans and leases to total assets | 62.2127% | 3,375 |
Net loans and leases to deposits | 75.9599% | 3,184 |
Net loans and leases to core deposits | 90.3953% | 2,386 |
Total domestic deposits to total assets | 81.9020% | 3,532 |
Equity capital to assets | 12.7213% | 1,694 |
Core capital (leverage) ratio | 11.0447% | 2,464 |
Tier 1 risk-based capital ratio | 15.2641% | 2,672 |
Total risk-based capital ratio | 16.5206% | 2,604 |
Memoranda: | ||
Average total assets | $187,959,400 | 2,937 |
Average earning assets | $173,687,600 | 2,944 |
Average equity | $23,595,800 | 2,830 |
Average total loans | $126,418,200 | 2,862 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5462% | 2,911 |
Cost of funding earning assets | 0.9743% | 1,872 |
Net interest margin | 3.5719% | 3,323 |
Noninterest income to average assets | 0.6117% | 2,139 |
Noninterest expense to average assets | 2.1264% | 4,314 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.3788% | 1,535 |
Return on assets (ROA) | 1.3951% | 1,547 |
Pretax return on assets | 1.8060% | 1,078 |
Return on Equity (ROE) | 11.1509% | 1,954 |
Retained earnings to average equity (ytd only) | 3.4665% | 3,673 |
Net charge-offs to loans | -0.0449% | 4,810 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.3601% | 4,353 |
Assets per employee ($millions) | 5.3263% | 2,185 |
Cash dividends to net income (ytd only)* | 68.9130% | 992 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8899% | 565 |
Loan loss allowance to noncurrent loans | 4,989.7959% | 140 |
Noncurrent assets plus other real estate owned to assets | 0.0412% | 4,508 |
Noncurrent loans to loans | 0.0379% | 4,486 |
Net loans and leases to total assets | 66.1959% | 3,023 |
Net loans and leases to deposits | 81.0394% | 2,797 |
Net loans and leases to core deposits | 97.5551% | 1,854 |
Total domestic deposits to total assets | 81.6836% | 3,565 |
Equity capital to assets | 12.6741% | 1,793 |
Core capital (leverage) ratio | 11.2199% | 2,450 |
Tier 1 risk-based capital ratio | 14.8150% | 2,943 |
Total risk-based capital ratio | 16.0705% | 2,870 |
Memoranda: | ||
Average total assets | $187,224,250 | 2,966 |
Average earning assets | $172,977,000 | 2,980 |
Average equity | $23,423,500 | 2,858 |
Average total loans | $127,720,750 | 2,881 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5027% | 3,011 |
Cost of funding earning assets | 0.9476% | 1,925 |
Net interest margin | 3.5551% | 3,418 |
Noninterest income to average assets | 0.5718% | 2,280 |
Noninterest expense to average assets | 2.1140% | 4,392 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.3488% | 1,581 |
Return on assets (ROA) | 1.3709% | 1,571 |
Pretax return on assets | 1.7704% | 1,116 |
Return on Equity (ROE) | 11.0070% | 1,969 |
Retained earnings to average equity (ytd only) | 3.2252% | 3,614 |
Net charge-offs to loans | -0.0016% | 3,926 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.8171% | 4,377 |
Assets per employee ($millions) | 5.0040% | 2,473 |
Cash dividends to net income (ytd only)* | 70.6991% | 1,081 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8332% | 641 |
Loan loss allowance to noncurrent loans | 1,560.3896% | 412 |
Noncurrent assets plus other real estate owned to assets | 0.0994% | 4,255 |
Noncurrent loans to loans | 0.1175% | 4,150 |
Net loans and leases to total assets | 69.5008% | 2,601 |
Net loans and leases to deposits | 86.7478% | 2,163 |
Net loans and leases to core deposits | 102.9844% | 1,471 |
Total domestic deposits to total assets | 80.1182% | 4,018 |
Equity capital to assets | 12.8561% | 1,658 |
Core capital (leverage) ratio | 11.3614% | 2,286 |
Tier 1 risk-based capital ratio | 14.7333% | 2,945 |
Total risk-based capital ratio | 15.9889% | 2,873 |
Memoranda: | ||
Average total assets | $185,717,000 | 2,995 |
Average earning assets | $171,585,330 | 3,006 |
Average equity | $23,130,670 | 2,873 |
Average total loans | $127,170,000 | 2,905 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4441% | 3,070 |
Cost of funding earning assets | 0.9196% | 1,920 |
Net interest margin | 3.5246% | 3,519 |
Noninterest income to average assets | 0.5570% | 2,244 |
Noninterest expense to average assets | 2.0538% | 4,543 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.3613% | 1,482 |
Return on assets (ROA) | 1.3613% | 1,525 |
Pretax return on assets | 1.7591% | 1,078 |
Return on Equity (ROE) | 11.1079% | 1,909 |
Retained earnings to average equity (ytd only) | 3.2113% | 3,644 |
Net charge-offs to loans | -0.0032% | 3,932 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.8635% | 4,542 |
Assets per employee ($millions) | 5.0602% | 2,445 |
Cash dividends to net income (ytd only)* | 71.0900% | 1,099 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8795% | 610 |
Loan loss allowance to noncurrent loans | 2,288.5714% | 283 |
Noncurrent assets plus other real estate owned to assets | 0.0721% | 4,456 |
Noncurrent loans to loans | 0.0821% | 4,391 |
Net loans and leases to total assets | 67.0055% | 2,896 |
Net loans and leases to deposits | 81.8825% | 2,615 |
Net loans and leases to core deposits | 96.8929% | 1,864 |
Total domestic deposits to total assets | 81.8312% | 3,770 |
Equity capital to assets | 12.3278% | 1,830 |
Core capital (leverage) ratio | 11.2053% | 2,387 |
Tier 1 risk-based capital ratio | 14.7098% | 2,995 |
Total risk-based capital ratio | 15.9657% | 2,932 |
Memoranda: | ||
Average total assets | $186,001,000 | 3,023 |
Average earning assets | $171,822,500 | 3,034 |
Average equity | $22,794,500 | 2,899 |
Average total loans | $125,213,500 | 2,959 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3984% | 2,766 |
Cost of funding earning assets | 0.7257% | 1,924 |
Net interest margin | 3.6727% | 3,147 |
Noninterest income to average assets | 0.5874% | 2,363 |
Noninterest expense to average assets | 2.2717% | 4,186 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 1.3273% | 1,691 |
Return on assets (ROA) | 1.3387% | 1,646 |
Pretax return on assets | 1.7233% | 1,106 |
Return on Equity (ROE) | 10.7394% | 2,189 |
Retained earnings to average equity (ytd only) | 2.9151% | 3,939 |
Net charge-offs to loans | 0.0159% | 3,154 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | 153.3000% | 555 |
Efficiency ratio | 57.0708% | 4,276 |
Assets per employee ($millions) | 5.1326% | 2,347 |
Cash dividends to net income (ytd only)* | 72.8560% | 953 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9597% | 507 |
Loan loss allowance to noncurrent loans | 2,287.6190% | 320 |
Noncurrent assets plus other real estate owned to assets | 0.0731% | 4,456 |
Noncurrent loans to loans | 0.0857% | 4,364 |
Net loans and leases to total assets | 65.0357% | 3,252 |
Net loans and leases to deposits | 78.3825% | 3,123 |
Net loans and leases to core deposits | 91.5629% | 2,446 |
Total domestic deposits to total assets | 82.9722% | 3,337 |
Equity capital to assets | 12.1814% | 1,772 |
Core capital (leverage) ratio | 11.2730% | 2,287 |
Tier 1 risk-based capital ratio | 15.2733% | 2,713 |
Total risk-based capital ratio | 16.5300% | 2,636 |
Memoranda: | ||
Average total assets | $179,423,000 | 3,058 |
Average earning assets | $165,765,800 | 3,069 |
Average equity | $22,366,200 | 2,873 |
Average total loans | $126,027,800 | 2,926 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3894% | 2,664 |
Cost of funding earning assets | 0.6889% | 1,913 |
Net interest margin | 3.7005% | 3,017 |
Noninterest income to average assets | 0.5907% | 2,363 |
Noninterest expense to average assets | 2.1877% | 4,345 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.4124% | 1,444 |
Return on assets (ROA) | 1.4277% | 1,393 |
Pretax return on assets | 1.8448% | 918 |
Return on Equity (ROE) | 11.3861% | 2,022 |
Retained earnings to average equity (ytd only) | 3.4749% | 4,028 |
Net charge-offs to loans | 0.0179% | 2,799 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | 143.3873% | 567 |
Efficiency ratio | 54.5149% | 4,560 |
Assets per employee ($millions) | 4.7926% | 2,728 |
Cash dividends to net income (ytd only)* | 69.4808% | 873 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9005% | 594 |
Loan loss allowance to noncurrent loans | 2,226.8519% | 303 |
Noncurrent assets plus other real estate owned to assets | 0.0778% | 4,585 |
Noncurrent loans to loans | 0.0853% | 4,497 |
Net loans and leases to total assets | 70.0070% | 2,646 |
Net loans and leases to deposits | 84.7482% | 2,508 |
Net loans and leases to core deposits | 99.6204% | 1,824 |
Total domestic deposits to total assets | 82.6059% | 3,430 |
Equity capital to assets | 12.5431% | 1,558 |
Core capital (leverage) ratio | 11.4799% | 2,183 |
Tier 1 risk-based capital ratio | 15.1266% | 2,827 |
Total risk-based capital ratio | 16.3829% | 2,747 |
Memoranda: | ||
Average total assets | $178,085,250 | 3,097 |
Average earning assets | $164,695,250 | 3,100 |
Average equity | $22,330,750 | 2,889 |
Average total loans | $126,892,000 | 2,948 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3479% | 2,592 |
Cost of funding earning assets | 0.6455% | 1,955 |
Net interest margin | 3.7024% | 2,916 |
Noninterest income to average assets | 0.6022% | 2,314 |
Noninterest expense to average assets | 2.1611% | 4,458 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.4465% | 1,293 |
Return on assets (ROA) | 1.4456% | 1,299 |
Pretax return on assets | 1.8684% | 843 |
Return on Equity (ROE) | 11.5293% | 1,898 |
Retained earnings to average equity (ytd only) | 4.1502% | 3,537 |
Net charge-offs to loans | 0.0016% | 3,154 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | 1,667.0000% | 43 |
Efficiency ratio | 53.6171% | 4,733 |
Assets per employee ($millions) | 4.9291% | 2,513 |
Cash dividends to net income (ytd only)* | 64.0031% | 1,179 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8911% | 644 |
Loan loss allowance to noncurrent loans | 849.4737% | 697 |
Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,184 |
Noncurrent loans to loans | 0.2226% | 3,923 |
Net loans and leases to total assets | 70.7820% | 2,463 |
Net loans and leases to deposits | 85.6866% | 2,352 |
Net loans and leases to core deposits | 102.1645% | 1,554 |
Total domestic deposits to total assets | 82.6057% | 3,522 |
Equity capital to assets | 12.6211% | 1,479 |
Core capital (leverage) ratio | 11.4502% | 2,112 |
Tier 1 risk-based capital ratio | 15.1078% | 2,823 |
Total risk-based capital ratio | 16.3647% | 2,744 |
Memoranda: | ||
Average total assets | $178,338,670 | 3,113 |
Average earning assets | $165,138,000 | 3,114 |
Average equity | $22,360,330 | 2,896 |
Average total loans | $127,007,670 | 2,950 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2499% | 2,711 |
Cost of funding earning assets | 0.5837% | 2,145 |
Net interest margin | 3.6662% | 2,933 |
Noninterest income to average assets | 0.5504% | 2,518 |
Noninterest expense to average assets | 2.1769% | 4,472 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 1.3782% | 1,401 |
Return on assets (ROA) | 1.3782% | 1,418 |
Pretax return on assets | 1.7742% | 958 |
Return on Equity (ROE) | 11.0283% | 1,957 |
Retained earnings to average equity (ytd only) | 3.8671% | 3,645 |
Net charge-offs to loans | 0.0063% | 2,507 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | 396.5000% | 169 |
Efficiency ratio | 55.0963% | 4,685 |
Assets per employee ($millions) | 5.0907% | 2,375 |
Cash dividends to net income (ytd only)* | 64.9351% | 1,128 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9129% | 641 |
Loan loss allowance to noncurrent loans | 817.5676% | 703 |
Noncurrent assets plus other real estate owned to assets | 0.1661% | 4,257 |
Noncurrent loans to loans | 0.2340% | 3,932 |
Net loans and leases to total assets | 69.6447% | 2,537 |
Net loans and leases to deposits | 82.6135% | 2,538 |
Net loans and leases to core deposits | 98.9758% | 1,768 |
Total domestic deposits to total assets | 84.3018% | 3,195 |
Equity capital to assets | 12.4581% | 1,501 |
Core capital (leverage) ratio | 11.2410% | 2,215 |
Tier 1 risk-based capital ratio | 15.0667% | 2,837 |
Total risk-based capital ratio | 16.3236% | 2,772 |
Memoranda: | ||
Average total assets | $178,783,500 | 3,138 |
Average earning assets | $165,838,500 | 3,140 |
Average equity | $22,342,500 | 2,926 |
Average total loans | $126,500,000 | 2,982 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2067% | 2,665 |
Cost of funding earning assets | 0.5681% | 1,838 |
Net interest margin | 3.6386% | 3,030 |
Noninterest income to average assets | 0.6200% | 2,347 |
Noninterest expense to average assets | 2.3286% | 4,260 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 1.1630% | 1,637 |
Return on assets (ROA) | 1.1838% | 1,590 |
Pretax return on assets | 1.6674% | 1,104 |
Return on Equity (ROE) | 9.2623% | 2,190 |
Retained earnings to average equity (ytd only) | 1.1925% | 4,548 |
Net charge-offs to loans | 0.0320% | 3,154 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | 73.3077% | 821 |
Efficiency ratio | 58.7029% | 4,447 |
Assets per employee ($millions) | 4.9832% | 2,500 |
Cash dividends to net income (ytd only)* | 87.1249% | 597 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9147% | 630 |
Loan loss allowance to noncurrent loans | 503.5343% | 1,112 |
Noncurrent assets plus other real estate owned to assets | 0.2681% | 3,814 |
Noncurrent loans to loans | 0.3803% | 3,396 |
Net loans and leases to total assets | 69.1606% | 2,653 |
Net loans and leases to deposits | 82.4934% | 2,669 |
Net loans and leases to core deposits | 98.6703% | 1,812 |
Total domestic deposits to total assets | 83.8378% | 3,267 |
Equity capital to assets | 12.5355% | 1,496 |
Core capital (leverage) ratio | 11.3264% | 2,081 |
Tier 1 risk-based capital ratio | 15.0162% | 2,848 |
Total risk-based capital ratio | 16.2734% | 2,771 |
Memoranda: | ||
Average total assets | $174,528,000 | 3,185 |
Average earning assets | $160,528,600 | 3,191 |
Average equity | $22,305,400 | 2,922 |
Average total loans | $121,997,600 | 3,028 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2135% | 2,563 |
Cost of funding earning assets | 0.5640% | 1,785 |
Net interest margin | 3.6495% | 2,954 |
Noninterest income to average assets | 0.6278% | 2,324 |
Noninterest expense to average assets | 2.2356% | 4,455 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 1.2100% | 1,651 |
Return on assets (ROA) | 1.2371% | 1,581 |
Pretax return on assets | 1.7817% | 926 |
Return on Equity (ROE) | 9.6315% | 2,291 |
Retained earnings to average equity (ytd only) | 1.2459% | 4,905 |
Net charge-offs to loans | 0.0022% | 3,687 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | 1,131.0562% | 88 |
Efficiency ratio | 56.1980% | 4,716 |
Assets per employee ($millions) | 4.7319% | 2,789 |
Cash dividends to net income (ytd only)* | 87.0645% | 492 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0021% | 566 |
Loan loss allowance to noncurrent loans | 469.9809% | 1,103 |
Noncurrent assets plus other real estate owned to assets | 0.2987% | 3,875 |
Noncurrent loans to loans | 0.4260% | 3,423 |
Net loans and leases to total assets | 68.7179% | 2,735 |
Net loans and leases to deposits | 81.9385% | 2,785 |
Net loans and leases to core deposits | 100.0366% | 1,705 |
Total domestic deposits to total assets | 83.8652% | 3,170 |
Equity capital to assets | 12.8780% | 1,452 |
Core capital (leverage) ratio | 11.4312% | 2,069 |
Tier 1 risk-based capital ratio | 15.4729% | 2,715 |
Total risk-based capital ratio | 16.7314% | 2,665 |
Memoranda: | ||
Average total assets | $173,311,500 | 3,228 |
Average earning assets | $159,104,000 | 3,235 |
Average equity | $22,259,750 | 2,949 |
Average total loans | $120,874,000 | 3,070 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2084% | 2,439 |
Cost of funding earning assets | 0.5545% | 1,750 |
Net interest margin | 3.6539% | 2,822 |
Noninterest income to average assets | 0.5801% | 2,558 |
Noninterest expense to average assets | 2.2360% | 4,486 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 1.1803% | 1,664 |
Return on assets (ROA) | 1.2216% | 1,568 |
Pretax return on assets | 1.7531% | 938 |
Return on Equity (ROE) | 9.5199% | 2,258 |
Retained earnings to average equity (ytd only) | 1.3987% | 4,693 |
Net charge-offs to loans | 0.0033% | 3,373 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | 731.5000% | 108 |
Efficiency ratio | 56.8945% | 4,723 |
Assets per employee ($millions) | 5.1227% | 2,244 |
Cash dividends to net income (ytd only)* | 85.3081% | 730 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9830% | 625 |
Loan loss allowance to noncurrent loans | 507.0103% | 1,022 |
Noncurrent assets plus other real estate owned to assets | 0.2785% | 4,007 |
Noncurrent loans to loans | 0.3911% | 3,619 |
Net loans and leases to total assets | 69.7831% | 2,554 |
Net loans and leases to deposits | 84.6128% | 2,389 |
Net loans and leases to core deposits | 104.3852% | 1,331 |
Total domestic deposits to total assets | 82.4735% | 3,737 |
Equity capital to assets | 12.9379% | 1,400 |
Core capital (leverage) ratio | 11.4427% | 2,009 |
Tier 1 risk-based capital ratio | 15.2095% | 2,838 |
Total risk-based capital ratio | 16.4678% | 2,763 |
Memoranda: | ||
Average total assets | $172,721,670 | 3,252 |
Average earning assets | $158,351,000 | 3,268 |
Average equity | $22,164,000 | 2,956 |
Average total loans | $120,242,000 | 3,089 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1480% | 2,482 |
Cost of funding earning assets | 0.5388% | 1,798 |
Net interest margin | 3.6092% | 2,859 |
Noninterest income to average assets | 0.5512% | 2,657 |
Noninterest expense to average assets | 2.2489% | 4,538 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.1263% | 1,768 |
Return on assets (ROA) | 1.2093% | 1,522 |
Pretax return on assets | 1.7233% | 955 |
Return on Equity (ROE) | 9.4636% | 2,199 |
Retained earnings to average equity (ytd only) | 2.1839% | 4,271 |
Net charge-offs to loans | 0.0068% | 2,738 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | 345.0000% | 175 |
Efficiency ratio | 58.3585% | 4,678 |
Assets per employee ($millions) | 5.0831% | 2,329 |
Cash dividends to net income (ytd only)* | 76.9231% | 1,018 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0713% | 585 |
Loan loss allowance to noncurrent loans | 485.0099% | 1,076 |
Noncurrent assets plus other real estate owned to assets | 0.2934% | 4,026 |
Noncurrent loans to loans | 0.4271% | 3,563 |
Net loans and leases to total assets | 67.2702% | 2,778 |
Net loans and leases to deposits | 80.6508% | 2,660 |
Net loans and leases to core deposits | 99.6008% | 1,533 |
Total domestic deposits to total assets | 83.4091% | 3,698 |
Equity capital to assets | 12.7633% | 1,373 |
Core capital (leverage) ratio | 11.5644% | 1,904 |
Tier 1 risk-based capital ratio | 15.7345% | 2,650 |
Total risk-based capital ratio | 16.9935% | 2,591 |
Memoranda: | ||
Average total assets | $171,997,000 | 3,293 |
Average earning assets | $157,376,500 | 3,307 |
Average equity | $21,979,000 | 2,985 |
Average total loans | $118,362,500 | 3,136 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2560% | 2,290 |
Cost of funding earning assets | 0.5181% | 1,951 |
Net interest margin | 3.7378% | 2,547 |
Noninterest income to average assets | 0.6210% | 2,548 |
Noninterest expense to average assets | 2.4582% | 4,134 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 1.1398% | 1,733 |
Return on assets (ROA) | 1.2161% | 1,536 |
Pretax return on assets | 1.7000% | 1,000 |
Return on Equity (ROE) | 9.1338% | 2,354 |
Retained earnings to average equity (ytd only) | 0.5128% | 5,127 |
Net charge-offs to loans | -0.0949% | 5,575 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.1226% | 4,713 |
Assets per employee ($millions) | 5.0344% | 2,352 |
Cash dividends to net income (ytd only)* | 94.3853% | 474 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0855% | 562 |
Loan loss allowance to noncurrent loans | 629.4118% | 886 |
Noncurrent assets plus other real estate owned to assets | 0.2284% | 4,394 |
Noncurrent loans to loans | 0.3313% | 3,952 |
Net loans and leases to total assets | 67.5037% | 2,853 |
Net loans and leases to deposits | 81.1698% | 2,767 |
Net loans and leases to core deposits | 98.6401% | 1,729 |
Total domestic deposits to total assets | 83.1635% | 3,711 |
Equity capital to assets | 12.7943% | 1,352 |
Core capital (leverage) ratio | 11.4326% | 1,983 |
Tier 1 risk-based capital ratio | 16.0450% | 2,524 |
Total risk-based capital ratio | 17.3048% | 2,461 |
Memoranda: | ||
Average total assets | $169,882,600 | 3,288 |
Average earning assets | $155,946,000 | 3,299 |
Average equity | $22,619,200 | 2,928 |
Average total loans | $115,934,200 | 3,130 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2450% | 2,359 |
Cost of funding earning assets | 0.5123% | 1,995 |
Net interest margin | 3.7326% | 2,585 |
Noninterest income to average assets | 0.6133% | 2,594 |
Noninterest expense to average assets | 2.3857% | 4,321 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 1.1817% | 1,698 |
Return on assets (ROA) | 1.2565% | 1,536 |
Pretax return on assets | 1.7645% | 967 |
Return on Equity (ROE) | 9.3452% | 2,337 |
Retained earnings to average equity (ytd only) | 1.4503% | 4,933 |
Net charge-offs to loans | -0.1271% | 5,653 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.1151% | 4,942 |
Assets per employee ($millions) | 4.8851% | 2,512 |
Cash dividends to net income (ytd only)* | 84.4810% | 630 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0878% | 616 |
Loan loss allowance to noncurrent loans | 1,733.0986% | 360 |
Noncurrent assets plus other real estate owned to assets | 0.0831% | 5,107 |
Noncurrent loans to loans | 0.1205% | 4,858 |
Net loans and leases to total assets | 67.5021% | 2,875 |
Net loans and leases to deposits | 82.1269% | 2,718 |
Net loans and leases to core deposits | 99.8287% | 1,651 |
Total domestic deposits to total assets | 82.1923% | 3,880 |
Equity capital to assets | 13.4585% | 1,266 |
Core capital (leverage) ratio | 11.6075% | 1,952 |
Tier 1 risk-based capital ratio | 16.3740% | 2,463 |
Total risk-based capital ratio | 17.6338% | 2,413 |
Memoranda: | ||
Average total assets | $169,560,750 | 3,307 |
Average earning assets | $155,882,250 | 3,315 |
Average equity | $22,799,000 | 2,937 |
Average total loans | $115,416,000 | 3,144 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2835% | 2,206 |
Cost of funding earning assets | 0.5049% | 2,062 |
Net interest margin | 3.7787% | 2,408 |
Noninterest income to average assets | 0.5772% | 2,738 |
Noninterest expense to average assets | 2.3704% | 4,424 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 1.1875% | 1,651 |
Return on assets (ROA) | 1.2975% | 1,385 |
Pretax return on assets | 1.8322% | 817 |
Return on Equity (ROE) | 9.6532% | 2,199 |
Retained earnings to average equity (ytd only) | 1.7335% | 4,695 |
Net charge-offs to loans | -0.1902% | 5,801 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.6920% | 5,059 |
Assets per employee ($millions) | 4.6861% | 2,740 |
Cash dividends to net income (ytd only)* | 82.0419% | 855 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1364% | 587 |
Loan loss allowance to noncurrent loans | 1,618.4211% | 378 |
Noncurrent assets plus other real estate owned to assets | 0.0901% | 5,163 |
Noncurrent loans to loans | 0.1320% | 4,910 |
Net loans and leases to total assets | 66.7979% | 2,965 |
Net loans and leases to deposits | 81.5770% | 2,757 |
Net loans and leases to core deposits | 99.4818% | 1,675 |
Total domestic deposits to total assets | 81.8832% | 4,031 |
Equity capital to assets | 13.6586% | 1,159 |
Core capital (leverage) ratio | 11.7595% | 1,803 |
Tier 1 risk-based capital ratio | 16.5942% | 2,392 |
Total risk-based capital ratio | 17.8543% | 2,338 |
Memoranda: | ||
Average total assets | $169,088,670 | 3,320 |
Average earning assets | $155,293,330 | 3,331 |
Average equity | $22,728,330 | 2,950 |
Average total loans | $114,596,670 | 3,167 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1238% | 2,756 |
Cost of funding earning assets | 0.4914% | 2,168 |
Net interest margin | 3.6324% | 2,953 |
Noninterest income to average assets | 0.5529% | 2,787 |
Noninterest expense to average assets | 2.3298% | 4,574 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.1349% | 1,769 |
Return on assets (ROA) | 1.2263% | 1,578 |
Pretax return on assets | 1.6848% | 1,103 |
Return on Equity (ROE) | 9.1974% | 2,320 |
Retained earnings to average equity (ytd only) | 2.1089% | 4,411 |
Net charge-offs to loans | -0.1015% | 5,641 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.9587% | 5,002 |
Assets per employee ($millions) | 5.1388% | 2,197 |
Cash dividends to net income (ytd only)* | 77.0713% | 1,043 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0840% | 708 |
Loan loss allowance to noncurrent loans | 1,555.5556% | 397 |
Noncurrent assets plus other real estate owned to assets | 0.0902% | 5,225 |
Noncurrent loans to loans | 0.1340% | 4,939 |
Net loans and leases to total assets | 65.9415% | 2,957 |
Net loans and leases to deposits | 80.9402% | 2,681 |
Net loans and leases to core deposits | 98.4643% | 1,603 |
Total domestic deposits to total assets | 81.4694% | 4,363 |
Equity capital to assets | 13.3625% | 1,237 |
Core capital (leverage) ratio | 11.5839% | 1,916 |
Tier 1 risk-based capital ratio | 16.4576% | 2,493 |
Total risk-based capital ratio | 17.7170% | 2,445 |
Memoranda: | ||
Average total assets | $169,283,000 | 3,335 |
Average earning assets | $155,488,000 | 3,348 |
Average equity | $22,571,500 | 2,969 |
Average total loans | $114,321,000 | 3,179 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1685% | 2,676 |
Cost of funding earning assets | 0.5105% | 2,067 |
Net interest margin | 3.6580% | 2,909 |
Noninterest income to average assets | 0.7661% | 1,915 |
Noninterest expense to average assets | 2.3244% | 4,720 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.2955% | 1,275 |
Return on assets (ROA) | 1.3397% | 1,215 |
Pretax return on assets | 1.8678% | 698 |
Return on Equity (ROE) | 9.8027% | 2,085 |
Retained earnings to average equity (ytd only) | -2.7316% | 5,801 |
Net charge-offs to loans | 0.0409% | 3,399 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 65.0638% | 824 |
Efficiency ratio | 54.4545% | 5,493 |
Assets per employee ($millions) | 5.1208% | 2,211 |
Cash dividends to net income (ytd only)* | 127.8660% | 217 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0544% | 735 |
Loan loss allowance to noncurrent loans | 1,536.6013% | 413 |
Noncurrent assets plus other real estate owned to assets | 0.0905% | 5,256 |
Noncurrent loans to loans | 0.1337% | 4,956 |
Net loans and leases to total assets | 66.3294% | 2,940 |
Net loans and leases to deposits | 81.4788% | 2,654 |
Net loans and leases to core deposits | 97.7193% | 1,694 |
Total domestic deposits to total assets | 81.4069% | 4,365 |
Equity capital to assets | 13.3046% | 1,209 |
Core capital (leverage) ratio | 11.5309% | 1,938 |
Tier 1 risk-based capital ratio | 16.4219% | 2,522 |
Total risk-based capital ratio | 17.6809% | 2,470 |
Memoranda: | ||
Average total assets | $169,291,200 | 3,315 |
Average earning assets | $155,714,800 | 3,320 |
Average equity | $23,136,400 | 2,868 |
Average total loans | $114,960,000 | 3,121 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1305% | 2,806 |
Cost of funding earning assets | 0.5172% | 2,065 |
Net interest margin | 3.6134% | 3,104 |
Noninterest income to average assets | 0.5448% | 3,076 |
Noninterest expense to average assets | 2.2696% | 4,860 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.1667% | 1,772 |
Return on assets (ROA) | 1.2265% | 1,626 |
Pretax return on assets | 1.6847% | 1,147 |
Return on Equity (ROE) | 8.9155% | 2,621 |
Retained earnings to average equity (ytd only) | 4.3376% | 3,387 |
Net charge-offs to loans | -0.1564% | 5,930 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.6579% | 5,262 |
Assets per employee ($millions) | 5.1393% | 2,128 |
Cash dividends to net income (ytd only)* | 51.3479% | 1,816 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2091% | 653 |
Loan loss allowance to noncurrent loans | 514.8374% | 1,007 |
Noncurrent assets plus other real estate owned to assets | 0.3302% | 4,441 |
Noncurrent loans to loans | 0.4291% | 4,064 |
Net loans and leases to total assets | 66.1165% | 2,988 |
Net loans and leases to deposits | 82.1948% | 2,625 |
Net loans and leases to core deposits | 98.7703% | 1,629 |
Total domestic deposits to total assets | 80.4388% | 4,630 |
Equity capital to assets | 13.8901% | 1,068 |
Core capital (leverage) ratio | 12.3570% | 1,486 |
Tier 1 risk-based capital ratio | 17.6243% | 2,149 |
Total risk-based capital ratio | 18.8857% | 2,104 |
Memoranda: | ||
Average total assets | $169,367,250 | 3,342 |
Average earning assets | $155,973,000 | 3,345 |
Average equity | $23,299,750 | 2,879 |
Average total loans | $115,090,250 | 3,148 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0972% | 2,905 |
Cost of funding earning assets | 0.5211% | 2,060 |
Net interest margin | 3.5761% | 3,182 |
Noninterest income to average assets | 0.5576% | 2,992 |
Noninterest expense to average assets | 2.2683% | 4,931 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.1481% | 1,788 |
Return on assets (ROA) | 1.2275% | 1,592 |
Pretax return on assets | 1.6894% | 1,103 |
Return on Equity (ROE) | 8.9515% | 2,577 |
Retained earnings to average equity (ytd only) | 4.2130% | 3,354 |
Net charge-offs to loans | -0.1753% | 5,988 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.9675% | 5,340 |
Assets per employee ($millions) | 5.1001% | 2,142 |
Cash dividends to net income (ytd only)* | 52.9355% | 1,822 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1508% | 788 |
Loan loss allowance to noncurrent loans | 346.6019% | 1,418 |
Noncurrent assets plus other real estate owned to assets | 0.4837% | 4,001 |
Noncurrent loans to loans | 0.6205% | 3,608 |
Net loans and leases to total assets | 67.5518% | 2,710 |
Net loans and leases to deposits | 85.1637% | 2,154 |
Net loans and leases to core deposits | 102.2373% | 1,315 |
Total domestic deposits to total assets | 79.3199% | 5,020 |
Equity capital to assets | 13.7212% | 1,084 |
Core capital (leverage) ratio | 12.2444% | 1,514 |
Tier 1 risk-based capital ratio | 17.0652% | 2,379 |
Total risk-based capital ratio | 18.3254% | 2,320 |
Memoranda: | ||
Average total assets | $169,291,000 | 3,364 |
Average earning assets | $155,812,670 | 3,368 |
Average equity | $23,214,000 | 2,897 |
Average total loans | $115,232,330 | 3,167 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1081% | 2,793 |
Cost of funding earning assets | 0.5286% | 2,022 |
Net interest margin | 3.5795% | 3,081 |
Noninterest income to average assets | 0.5584% | 2,903 |
Noninterest expense to average assets | 2.2899% | 4,913 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.2086% | 1,521 |
Return on assets (ROA) | 1.3759% | 1,138 |
Pretax return on assets | 1.7693% | 921 |
Return on Equity (ROE) | 10.0367% | 1,988 |
Retained earnings to average equity (ytd only) | 4.8809% | 3,123 |
Net charge-offs to loans | -0.0697% | 5,694 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.5980% | 5,378 |
Assets per employee ($millions) | 5.0297% | 2,316 |
Cash dividends to net income (ytd only)* | 51.3699% | 1,685 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1204% | 896 |
Loan loss allowance to noncurrent loans | 381.9905% | 1,262 |
Noncurrent assets plus other real estate owned to assets | 0.4111% | 4,384 |
Noncurrent loans to loans | 0.5551% | 3,918 |
Net loans and leases to total assets | 65.2677% | 2,884 |
Net loans and leases to deposits | 81.2632% | 2,417 |
Net loans and leases to core deposits | 95.4415% | 1,656 |
Total domestic deposits to total assets | 80.3165% | 4,986 |
Equity capital to assets | 13.6120% | 1,121 |
Core capital (leverage) ratio | 12.0742% | 1,594 |
Tier 1 risk-based capital ratio | 17.4329% | 2,322 |
Total risk-based capital ratio | 18.6952% | 2,273 |
Memoranda: | ||
Average total assets | $169,785,500 | 3,371 |
Average earning assets | $155,888,000 | 3,379 |
Average equity | $23,274,500 | 2,904 |
Average total loans | $114,753,500 | 3,180 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2988% | 2,610 |
Cost of funding earning assets | 0.6537% | 1,383 |
Net interest margin | 3.6451% | 3,234 |
Noninterest income to average assets | 0.6532% | 2,532 |
Noninterest expense to average assets | 2.3642% | 4,937 |
Loan and lease loss provision to assets | 0.0441% | 3,688 |
Net operating income to assets | 1.1347% | 1,839 |
Return on assets (ROA) | 1.1583% | 1,803 |
Pretax return on assets | 1.5853% | 1,282 |
Return on Equity (ROE) | 8.6957% | 2,733 |
Retained earnings to average equity (ytd only) | 1.6404% | 4,994 |
Net charge-offs to loans | 0.3496% | 1,256 |
Credit loss provision to net charge-offs | 19.0840% | 3,984 |
Earnings coverage of net charge-offs (x) | 6.9186% | 3,121 |
Efficiency ratio | 57.7995% | 5,480 |
Assets per employee ($millions) | 4.8160% | 2,573 |
Cash dividends to net income (ytd only)* | 81.1359% | 864 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0767% | 986 |
Loan loss allowance to noncurrent loans | 476.7396% | 1,107 |
Noncurrent assets plus other real estate owned to assets | 0.3477% | 4,666 |
Noncurrent loans to loans | 0.4356% | 4,339 |
Net loans and leases to total assets | 67.0835% | 2,715 |
Net loans and leases to deposits | 84.2455% | 2,179 |
Net loans and leases to core deposits | 97.8234% | 1,566 |
Total domestic deposits to total assets | 79.6286% | 5,114 |
Equity capital to assets | 13.8058% | 1,031 |
Core capital (leverage) ratio | 12.0409% | 1,595 |
Tier 1 risk-based capital ratio | 16.7770% | 2,605 |
Total risk-based capital ratio | 18.0363% | 2,553 |
Memoranda: | ||
Average total assets | $170,246,800 | 3,340 |
Average earning assets | $154,509,600 | 3,372 |
Average equity | $22,677,800 | 2,885 |
Average total loans | $112,417,000 | 3,170 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2940% | 2,662 |
Cost of funding earning assets | 0.6742% | 1,295 |
Net interest margin | 3.6198% | 3,348 |
Noninterest income to average assets | 0.4781% | 3,702 |
Noninterest expense to average assets | 2.3273% | 5,036 |
Loan and lease loss provision to assets | 0.0586% | 3,198 |
Net operating income to assets | 1.0289% | 2,330 |
Return on assets (ROA) | 1.0289% | 2,386 |
Pretax return on assets | 1.3679% | 2,125 |
Return on Equity (ROE) | 7.7940% | 3,317 |
Retained earnings to average equity (ytd only) | 1.8760% | 5,118 |
Net charge-offs to loans | 0.1505% | 2,285 |
Credit loss provision to net charge-offs | 59.5238% | 2,939 |
Earnings coverage of net charge-offs (x) | 14.4917% | 2,140 |
Efficiency ratio | 60.0000% | 5,178 |
Assets per employee ($millions) | 4.9089% | 2,369 |
Cash dividends to net income (ytd only)* | 75.9300% | 848 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3359% | 797 |
Loan loss allowance to noncurrent loans | 272.7738% | 1,667 |
Noncurrent assets plus other real estate owned to assets | 0.7951% | 3,433 |
Noncurrent loans to loans | 0.8564% | 3,423 |
Net loans and leases to total assets | 64.8519% | 3,047 |
Net loans and leases to deposits | 80.5293% | 2,613 |
Net loans and leases to core deposits | 97.1921% | 1,577 |
Total domestic deposits to total assets | 80.5320% | 4,956 |
Equity capital to assets | 13.4713% | 1,193 |
Core capital (leverage) ratio | 11.9537% | 1,725 |
Tier 1 risk-based capital ratio | 16.4409% | 2,837 |
Total risk-based capital ratio | 17.7026% | 2,785 |
Memoranda: | ||
Average total assets | $170,668,500 | 3,356 |
Average earning assets | $154,445,000 | 3,394 |
Average equity | $22,529,500 | 2,900 |
Average total loans | $111,652,750 | 3,203 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1764% | 3,049 |
Cost of funding earning assets | 0.6836% | 1,286 |
Net interest margin | 3.4929% | 3,811 |
Noninterest income to average assets | 0.4369% | 3,975 |
Noninterest expense to average assets | 2.3666% | 4,980 |
Loan and lease loss provision to assets | 0.0587% | 3,105 |
Net operating income to assets | 0.9196% | 2,703 |
Return on assets (ROA) | 0.9196% | 2,807 |
Pretax return on assets | 1.1804% | 2,761 |
Return on Equity (ROE) | 7.0148% | 3,617 |
Retained earnings to average equity (ytd only) | 1.6395% | 5,082 |
Net charge-offs to loans | 0.4457% | 915 |
Credit loss provision to net charge-offs | 20.2429% | 3,197 |
Earnings coverage of net charge-offs (x) | 4.2713% | 3,144 |
Efficiency ratio | 63.5505% | 4,763 |
Assets per employee ($millions) | 4.6110% | 2,753 |
Cash dividends to net income (ytd only)* | 76.6284% | 986 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2446% | 964 |
Loan loss allowance to noncurrent loans | 72.4813% | 4,417 |
Noncurrent assets plus other real estate owned to assets | 2.5849% | 1,065 |
Noncurrent loans to loans | 3.0968% | 921 |
Net loans and leases to total assets | 64.2766% | 3,031 |
Net loans and leases to deposits | 81.0802% | 2,378 |
Net loans and leases to core deposits | 95.5893% | 1,636 |
Total domestic deposits to total assets | 79.2753% | 5,395 |
Equity capital to assets | 13.3757% | 1,202 |
Core capital (leverage) ratio | 11.9082% | 1,714 |
Tier 1 risk-based capital ratio | 16.5434% | 2,805 |
Total risk-based capital ratio | 17.8036% | 2,766 |
Memoranda: | ||
Average total assets | $170,288,000 | 3,380 |
Average earning assets | $154,487,000 | 3,404 |
Average equity | $22,324,330 | 2,912 |
Average total loans | $110,841,330 | 3,227 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1701% | 2,983 |
Cost of funding earning assets | 0.6929% | 1,291 |
Net interest margin | 3.4772% | 3,793 |
Noninterest income to average assets | 0.3926% | 4,251 |
Noninterest expense to average assets | 2.3723% | 5,002 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.9334% | 2,490 |
Return on assets (ROA) | 0.9334% | 2,559 |
Pretax return on assets | 1.1944% | 2,503 |
Return on Equity (ROE) | 7.1932% | 3,357 |
Retained earnings to average equity (ytd only) | 1.7575% | 4,903 |
Net charge-offs to loans | -0.0073% | 4,929 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.4034% | 4,799 |
Assets per employee ($millions) | 4.6057% | 2,806 |
Cash dividends to net income (ytd only)* | 75.5668% | 1,048 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4570% | 856 |
Loan loss allowance to noncurrent loans | 146.7855% | 2,692 |
Noncurrent assets plus other real estate owned to assets | 1.5193% | 2,327 |
Noncurrent loans to loans | 1.6739% | 2,318 |
Net loans and leases to total assets | 63.2958% | 3,015 |
Net loans and leases to deposits | 78.2597% | 2,514 |
Net loans and leases to core deposits | 91.5311% | 1,777 |
Total domestic deposits to total assets | 80.8792% | 5,268 |
Equity capital to assets | 13.1001% | 1,263 |
Core capital (leverage) ratio | 11.8960% | 1,714 |
Tier 1 risk-based capital ratio | 17.3177% | 2,549 |
Total risk-based capital ratio | 18.5814% | 2,511 |
Memoranda: | ||
Average total assets | $170,128,000 | 3,405 |
Average earning assets | $155,297,500 | 3,411 |
Average equity | $22,076,500 | 2,934 |
Average total loans | $110,172,500 | 3,259 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3445% | 2,793 |
Cost of funding earning assets | 0.7783% | 1,330 |
Net interest margin | 3.5661% | 3,614 |
Noninterest income to average assets | 0.4252% | 4,267 |
Noninterest expense to average assets | 2.1705% | 5,694 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.0969% | 1,947 |
Return on assets (ROA) | 1.1182% | 1,939 |
Pretax return on assets | 1.5230% | 1,374 |
Return on Equity (ROE) | 8.5648% | 2,748 |
Retained earnings to average equity (ytd only) | 0.1876% | 5,765 |
Net charge-offs to loans | 0.4443% | 1,496 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 5.0413% | 3,398 |
Efficiency ratio | 57.2111% | 5,824 |
Assets per employee ($millions) | 4.4696% | 2,956 |
Cash dividends to net income (ytd only)* | 97.8091% | 454 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4735% | 848 |
Loan loss allowance to noncurrent loans | 254.9296% | 1,705 |
Noncurrent assets plus other real estate owned to assets | 1.0651% | 3,282 |
Noncurrent loans to loans | 0.9703% | 3,579 |
Net loans and leases to total assets | 63.0281% | 3,198 |
Net loans and leases to deposits | 77.6208% | 2,775 |
Net loans and leases to core deposits | 91.0312% | 1,901 |
Total domestic deposits to total assets | 81.1999% | 5,121 |
Equity capital to assets | 12.8523% | 1,344 |
Core capital (leverage) ratio | 11.7599% | 1,786 |
Tier 1 risk-based capital ratio | 16.5804% | 2,806 |
Total risk-based capital ratio | 17.8433% | 2,771 |
Memoranda: | ||
Average total assets | $171,437,200 | 3,390 |
Average earning assets | $155,715,600 | 3,405 |
Average equity | $22,382,400 | 2,884 |
Average total loans | $114,328,600 | 3,167 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3681% | 2,699 |
Cost of funding earning assets | 0.7897% | 1,383 |
Net interest margin | 3.5784% | 3,544 |
Noninterest income to average assets | 0.4493% | 4,162 |
Noninterest expense to average assets | 2.0011% | 6,010 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.2197% | 1,568 |
Return on assets (ROA) | 1.2415% | 1,581 |
Pretax return on assets | 1.7272% | 1,043 |
Return on Equity (ROE) | 9.4725% | 2,405 |
Retained earnings to average equity (ytd only) | 0.5920% | 5,731 |
Net charge-offs to loans | 0.1628% | 2,931 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 15.5103% | 1,856 |
Efficiency ratio | 52.0982% | 6,245 |
Assets per employee ($millions) | 4.4860% | 2,905 |
Cash dividends to net income (ytd only)* | 93.7500% | 501 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7198% | 725 |
Loan loss allowance to noncurrent loans | 230.4185% | 1,760 |
Noncurrent assets plus other real estate owned to assets | 1.2055% | 3,238 |
Noncurrent loans to loans | 1.1804% | 3,458 |
Net loans and leases to total assets | 64.6862% | 2,881 |
Net loans and leases to deposits | 80.9719% | 2,265 |
Net loans and leases to core deposits | 95.1448% | 1,460 |
Total domestic deposits to total assets | 79.8873% | 5,536 |
Equity capital to assets | 12.7941% | 1,429 |
Core capital (leverage) ratio | 11.7291% | 1,870 |
Tier 1 risk-based capital ratio | 16.2032% | 3,082 |
Total risk-based capital ratio | 17.4689% | 3,037 |
Memoranda: | ||
Average total assets | $171,835,250 | 3,411 |
Average earning assets | $156,006,250 | 3,440 |
Average equity | $22,520,750 | 2,903 |
Average total loans | $115,469,500 | 3,156 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4056% | 2,541 |
Cost of funding earning assets | 0.7986% | 1,418 |
Net interest margin | 3.6070% | 3,327 |
Noninterest income to average assets | 0.4075% | 4,470 |
Noninterest expense to average assets | 1.9038% | 6,217 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.2739% | 1,389 |
Return on assets (ROA) | 1.2781% | 1,470 |
Pretax return on assets | 1.7865% | 956 |
Return on Equity (ROE) | 9.6759% | 2,331 |
Retained earnings to average equity (ytd only) | 0.8876% | 5,545 |
Net charge-offs to loans | 0.2772% | 2,096 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 9.5280% | 2,272 |
Efficiency ratio | 49.6534% | 6,455 |
Assets per employee ($millions) | 4.8821% | 2,256 |
Cash dividends to net income (ytd only)* | 90.8265% | 669 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5720% | 910 |
Loan loss allowance to noncurrent loans | 2,430.9524% | 247 |
Noncurrent assets plus other real estate owned to assets | 0.7315% | 4,386 |
Noncurrent loans to loans | 0.1058% | 6,077 |
Net loans and leases to total assets | 67.9025% | 2,259 |
Net loans and leases to deposits | 86.0881% | 1,567 |
Net loans and leases to core deposits | 100.6681% | 1,032 |
Total domestic deposits to total assets | 78.8755% | 5,822 |
Equity capital to assets | 12.9605% | 1,359 |
Core capital (leverage) ratio | 11.6857% | 1,811 |
Tier 1 risk-based capital ratio | 15.9101% | 3,247 |
Total risk-based capital ratio | 17.1752% | 3,180 |
Memoranda: | ||
Average total assets | $172,290,670 | 3,426 |
Average earning assets | $156,528,670 | 3,453 |
Average equity | $22,757,670 | 2,891 |
Average total loans | $116,175,000 | 3,142 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3742% | 2,612 |
Cost of funding earning assets | 0.8152% | 1,443 |
Net interest margin | 3.5590% | 3,432 |
Noninterest income to average assets | 0.5965% | 3,163 |
Noninterest expense to average assets | 2.2728% | 5,493 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.1314% | 1,740 |
Return on assets (ROA) | 1.1399% | 1,832 |
Pretax return on assets | 1.5653% | 1,394 |
Return on Equity (ROE) | 8.5503% | 2,688 |
Retained earnings to average equity (ytd only) | -0.1214% | 5,798 |
Net charge-offs to loans | 0.2894% | 1,808 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 8.0964% | 1,981 |
Efficiency ratio | 57.4622% | 5,905 |
Assets per employee ($millions) | 4.9582% | 2,269 |
Cash dividends to net income (ytd only)* | 101.4199% | 635 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7031% | 913 |
Loan loss allowance to noncurrent loans | 536.7521% | 805 |
Noncurrent assets plus other real estate owned to assets | 0.9698% | 3,992 |
Noncurrent loans to loans | 0.5036% | 5,167 |
Net loans and leases to total assets | 65.1296% | 2,525 |
Net loans and leases to deposits | 80.6076% | 2,004 |
Net loans and leases to core deposits | 94.2723% | 1,324 |
Total domestic deposits to total assets | 80.7983% | 5,549 |
Equity capital to assets | 13.2197% | 1,330 |
Core capital (leverage) ratio | 11.6000% | 1,814 |
Tier 1 risk-based capital ratio | 16.2309% | 3,140 |
Total risk-based capital ratio | 17.4981% | 3,081 |
Memoranda: | ||
Average total assets | $172,999,500 | 3,449 |
Average earning assets | $157,012,500 | 3,485 |
Average equity | $23,063,500 | 2,911 |
Average total loans | $114,717,500 | 3,187 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7060% | 2,567 |
Cost of funding earning assets | 0.9878% | 1,420 |
Net interest margin | 3.7183% | 3,568 |
Noninterest income to average assets | 0.6304% | 3,107 |
Noninterest expense to average assets | 2.3420% | 5,587 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 1.1604% | 1,733 |
Return on assets (ROA) | 1.2370% | 1,650 |
Pretax return on assets | 1.7643% | 989 |
Return on Equity (ROE) | 9.2440% | 2,519 |
Retained earnings to average equity (ytd only) | 3.4043% | 3,830 |
Net charge-offs to loans | 0.3452% | 2,907 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 7.1834% | 2,659 |
Efficiency ratio | 57.3642% | 5,913 |
Assets per employee ($millions) | 4.4221% | 3,104 |
Cash dividends to net income (ytd only)* | 63.1727% | 1,642 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8463% | 788 |
Loan loss allowance to noncurrent loans | 225.2970% | 1,664 |
Noncurrent assets plus other real estate owned to assets | 1.5128% | 3,112 |
Noncurrent loans to loans | 1.2633% | 3,722 |
Net loans and leases to total assets | 63.8094% | 2,930 |
Net loans and leases to deposits | 79.8339% | 2,306 |
Net loans and leases to core deposits | 90.2417% | 1,808 |
Total domestic deposits to total assets | 79.9278% | 5,687 |
Equity capital to assets | 13.4441% | 1,254 |
Core capital (leverage) ratio | 11.5669% | 1,831 |
Tier 1 risk-based capital ratio | 16.3302% | 2,980 |
Total risk-based capital ratio | 17.5983% | 2,925 |
Memoranda: | ||
Average total assets | $172,759,200 | 3,404 |
Average earning assets | $156,416,000 | 3,433 |
Average equity | $23,117,600 | 2,837 |
Average total loans | $115,303,400 | 3,180 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6977% | 2,815 |
Cost of funding earning assets | 1.0247% | 1,423 |
Net interest margin | 3.6731% | 3,908 |
Noninterest income to average assets | 0.5925% | 3,332 |
Noninterest expense to average assets | 2.2696% | 5,773 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 1.1423% | 1,941 |
Return on assets (ROA) | 1.2443% | 1,760 |
Pretax return on assets | 1.7897% | 1,075 |
Return on Equity (ROE) | 9.3098% | 2,671 |
Retained earnings to average equity (ytd only) | 4.4038% | 3,791 |
Net charge-offs to loans | 0.2556% | 3,191 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 9.5992% | 2,303 |
Efficiency ratio | 56.7317% | 5,956 |
Assets per employee ($millions) | 4.9301% | 2,280 |
Cash dividends to net income (ytd only)* | 52.6971% | 1,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9642% | 746 |
Loan loss allowance to noncurrent loans | 228.8889% | 1,562 |
Noncurrent assets plus other real estate owned to assets | 1.6163% | 3,165 |
Noncurrent loans to loans | 1.2950% | 3,873 |
Net loans and leases to total assets | 64.4832% | 2,936 |
Net loans and leases to deposits | 81.2681% | 2,212 |
Net loans and leases to core deposits | 98.9630% | 1,194 |
Total domestic deposits to total assets | 79.3463% | 5,797 |
Equity capital to assets | 13.5858% | 1,317 |
Core capital (leverage) ratio | 11.6447% | 1,872 |
Tier 1 risk-based capital ratio | 15.6074% | 3,474 |
Total risk-based capital ratio | 16.8755% | 3,426 |
Memoranda: | ||
Average total assets | $172,833,500 | 3,441 |
Average earning assets | $156,269,500 | 3,481 |
Average equity | $23,100,500 | 2,867 |
Average total loans | $115,811,500 | 3,208 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7466% | 2,731 |
Cost of funding earning assets | 1.0575% | 1,423 |
Net interest margin | 3.6891% | 3,876 |
Noninterest income to average assets | 0.5887% | 3,330 |
Noninterest expense to average assets | 2.2310% | 5,920 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 1.1648% | 1,833 |
Return on assets (ROA) | 1.2734% | 1,674 |
Pretax return on assets | 1.8517% | 937 |
Return on Equity (ROE) | 9.5796% | 2,540 |
Retained earnings to average equity (ytd only) | 6.5343% | 2,368 |
Net charge-offs to loans | 0.3838% | 2,484 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 6.5695% | 2,616 |
Efficiency ratio | 55.5981% | 6,162 |
Assets per employee ($millions) | 4.7338% | 2,527 |
Cash dividends to net income (ytd only)* | 31.7893% | 2,533 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9970% | 784 |
Loan loss allowance to noncurrent loans | 283.1667% | 1,259 |
Noncurrent assets plus other real estate owned to assets | 1.5233% | 3,418 |
Noncurrent loans to loans | 1.0584% | 4,397 |
Net loans and leases to total assets | 64.5366% | 2,925 |
Net loans and leases to deposits | 81.5116% | 2,171 |
Net loans and leases to core deposits | 99.7750% | 1,109 |
Total domestic deposits to total assets | 79.1747% | 5,928 |
Equity capital to assets | 13.5966% | 1,265 |
Core capital (leverage) ratio | 11.5042% | 1,905 |
Tier 1 risk-based capital ratio | 15.5624% | 3,397 |
Total risk-based capital ratio | 16.8309% | 3,352 |
Memoranda: | ||
Average total assets | $172,926,330 | 3,460 |
Average earning assets | $156,407,330 | 3,489 |
Average equity | $22,986,330 | 2,853 |
Average total loans | $116,192,670 | 3,215 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7552% | 2,829 |
Cost of funding earning assets | 1.0884% | 1,466 |
Net interest margin | 3.6669% | 3,975 |
Noninterest income to average assets | 0.6109% | 3,155 |
Noninterest expense to average assets | 2.1748% | 6,103 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.1786% | 1,804 |
Return on assets (ROA) | 1.3802% | 1,405 |
Pretax return on assets | 2.0484% | 686 |
Return on Equity (ROE) | 10.5006% | 2,234 |
Retained earnings to average equity (ytd only) | 7.0062% | 2,436 |
Net charge-offs to loans | 0.6701% | 1,465 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 3.8629% | 2,722 |
Efficiency ratio | 54.2155% | 6,325 |
Assets per employee ($millions) | 5.0977% | 2,127 |
Cash dividends to net income (ytd only)* | 33.2779% | 1,982 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9804% | 849 |
Loan loss allowance to noncurrent loans | 266.0451% | 1,262 |
Noncurrent assets plus other real estate owned to assets | 1.5451% | 3,545 |
Noncurrent loans to loans | 1.1203% | 4,460 |
Net loans and leases to total assets | 64.3065% | 2,800 |
Net loans and leases to deposits | 80.6317% | 2,116 |
Net loans and leases to core deposits | 101.3043% | 900 |
Total domestic deposits to total assets | 79.7534% | 5,909 |
Equity capital to assets | 13.3156% | 1,311 |
Core capital (leverage) ratio | 11.3414% | 2,004 |
Tier 1 risk-based capital ratio | 15.2427% | 3,593 |
Total risk-based capital ratio | 16.5108% | 3,545 |
Memoranda: | ||
Average total assets | $174,180,500 | 3,467 |
Average earning assets | $157,300,000 | 3,484 |
Average equity | $22,894,000 | 2,863 |
Average total loans | $117,599,000 | 3,201 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0162% | 2,806 |
Cost of funding earning assets | 1.3914% | 1,080 |
Net interest margin | 3.6248% | 4,633 |
Noninterest income to average assets | 0.4162% | 4,481 |
Noninterest expense to average assets | 2.2202% | 6,226 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 0.9888% | 2,240 |
Return on assets (ROA) | 1.0479% | 2,155 |
Pretax return on assets | 1.5564% | 1,322 |
Return on Equity (ROE) | 8.2423% | 2,786 |
Retained earnings to average equity (ytd only) | 7.4532% | 1,287 |
Net charge-offs to loans | 0.8289% | 2,092 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 2.5306% | 3,950 |
Efficiency ratio | 58.8747% | 5,923 |
Assets per employee ($millions) | 5.1482% | 2,002 |
Cash dividends to net income (ytd only)* | 9.5733% | 3,873 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0104% | 804 |
Loan loss allowance to noncurrent loans | 207.0898% | 1,595 |
Noncurrent assets plus other real estate owned to assets | 2.0293% | 2,927 |
Noncurrent loans to loans | 1.4537% | 3,984 |
Net loans and leases to total assets | 66.6678% | 2,650 |
Net loans and leases to deposits | 84.3665% | 1,876 |
Net loans and leases to core deposits | 106.9312% | 759 |
Total domestic deposits to total assets | 79.0217% | 5,993 |
Equity capital to assets | 12.9738% | 1,499 |
Core capital (leverage) ratio | 11.0131% | 2,258 |
Tier 1 risk-based capital ratio | 14.2660% | 4,136 |
Total risk-based capital ratio | 15.5345% | 4,083 |
Memoranda: | ||
Average total assets | $174,441,600 | 3,425 |
Average earning assets | $157,471,000 | 3,447 |
Average equity | $22,178,400 | 2,872 |
Average total loans | $122,086,600 | 3,136 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0165% | 3,006 |
Cost of funding earning assets | 1.4541% | 1,009 |
Net interest margin | 3.5624% | 4,930 |
Noninterest income to average assets | 0.4636% | 4,187 |
Noninterest expense to average assets | 2.1687% | 6,348 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 1.0085% | 2,288 |
Return on assets (ROA) | 1.0526% | 2,273 |
Pretax return on assets | 1.5804% | 1,433 |
Return on Equity (ROE) | 8.3219% | 2,906 |
Retained earnings to average equity (ytd only) | 7.2635% | 1,829 |
Net charge-offs to loans | 1.0958% | 1,450 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 1.9662% | 4,180 |
Efficiency ratio | 57.5493% | 6,077 |
Assets per employee ($millions) | 5.1581% | 1,981 |
Cash dividends to net income (ytd only)* | 12.7182% | 3,192 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0097% | 854 |
Loan loss allowance to noncurrent loans | 206.7236% | 1,516 |
Noncurrent assets plus other real estate owned to assets | 2.1696% | 2,937 |
Noncurrent loans to loans | 1.4559% | 4,116 |
Net loans and leases to total assets | 66.6665% | 2,753 |
Net loans and leases to deposits | 84.8996% | 1,857 |
Net loans and leases to core deposits | 107.5762% | 783 |
Total domestic deposits to total assets | 78.5239% | 6,090 |
Equity capital to assets | 12.9613% | 1,631 |
Core capital (leverage) ratio | 11.0495% | 2,346 |
Tier 1 risk-based capital ratio | 14.1122% | 4,273 |
Total risk-based capital ratio | 15.3805% | 4,224 |
Memoranda: | ||
Average total assets | $174,292,500 | 3,445 |
Average earning assets | $157,529,500 | 3,473 |
Average equity | $22,045,750 | 2,885 |
Average total loans | $122,529,250 | 3,156 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0273% | 3,028 |
Cost of funding earning assets | 1.5303% | 893 |
Net interest margin | 3.4970% | 5,178 |
Noninterest income to average assets | 0.4163% | 4,543 |
Noninterest expense to average assets | 2.1250% | 6,545 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 0.9751% | 2,332 |
Return on assets (ROA) | 0.9751% | 2,436 |
Pretax return on assets | 1.4603% | 1,638 |
Return on Equity (ROE) | 7.7736% | 3,060 |
Retained earnings to average equity (ytd only) | 6.1694% | 2,318 |
Net charge-offs to loans | 0.9595% | 1,632 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 2.1489% | 3,768 |
Efficiency ratio | 57.9217% | 6,176 |
Assets per employee ($millions) | 5.2438% | 1,825 |
Cash dividends to net income (ytd only)* | 20.6368% | 2,838 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4105% | 642 |
Loan loss allowance to noncurrent loans | 171.7502% | 1,743 |
Noncurrent assets plus other real estate owned to assets | 2.4635% | 2,705 |
Noncurrent loans to loans | 1.9857% | 3,506 |
Net loans and leases to total assets | 66.1699% | 2,996 |
Net loans and leases to deposits | 84.2981% | 2,063 |
Net loans and leases to core deposits | 107.2708% | 849 |
Total domestic deposits to total assets | 78.4951% | 6,191 |
Equity capital to assets | 12.9060% | 1,567 |
Core capital (leverage) ratio | 10.4088% | 2,818 |
Tier 1 risk-based capital ratio | 13.3037% | 4,689 |
Total risk-based capital ratio | 14.5762% | 4,647 |
Memoranda: | ||
Average total assets | $173,931,330 | 3,469 |
Average earning assets | $157,619,000 | 3,493 |
Average equity | $21,817,330 | 2,897 |
Average total loans | $123,190,670 | 3,165 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0752% | 2,752 |
Cost of funding earning assets | 1.6006% | 815 |
Net interest margin | 3.4746% | 5,123 |
Noninterest income to average assets | 0.4725% | 4,098 |
Noninterest expense to average assets | 2.1723% | 6,483 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 0.9657% | 2,294 |
Return on assets (ROA) | 0.9657% | 2,359 |
Pretax return on assets | 1.4475% | 1,607 |
Return on Equity (ROE) | 7.8109% | 3,002 |
Retained earnings to average equity (ytd only) | 7.8109% | 1,806 |
Net charge-offs to loans | 0.9975% | 1,362 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 2.0160% | 3,297 |
Efficiency ratio | 58.6819% | 6,174 |
Assets per employee ($millions) | 5.6883% | 1,416 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4969% | 602 |
Loan loss allowance to noncurrent loans | 230.0319% | 1,303 |
Noncurrent assets plus other real estate owned to assets | 2.1136% | 3,171 |
Noncurrent loans to loans | 1.5202% | 4,194 |
Net loans and leases to total assets | 67.6080% | 2,635 |
Net loans and leases to deposits | 85.9545% | 1,735 |
Net loans and leases to core deposits | 109.8571% | 734 |
Total domestic deposits to total assets | 78.6556% | 6,263 |
Equity capital to assets | 12.4268% | 1,666 |
Core capital (leverage) ratio | 10.1741% | 2,951 |
Tier 1 risk-based capital ratio | 12.7580% | 5,006 |
Total risk-based capital ratio | 14.0321% | 4,965 |
Memoranda: | ||
Average total assets | $174,375,000 | 3,477 |
Average earning assets | $157,945,500 | 3,503 |
Average equity | $21,559,500 | 2,915 |
Average total loans | $125,513,000 | 3,140 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3533% | 2,880 |
Cost of funding earning assets | 1.9764% | 660 |
Net interest margin | 3.3769% | 5,710 |
Noninterest income to average assets | 0.5093% | 4,101 |
Noninterest expense to average assets | 2.2810% | 6,411 |
Loan and lease loss provision to assets | 0.1694% | 5,531 |
Net operating income to assets | 0.7624% | 2,945 |
Return on assets (ROA) | 0.7447% | 3,144 |
Pretax return on assets | 1.0959% | 2,593 |
Return on Equity (ROE) | 6.3035% | 3,449 |
Retained earnings to average equity (ytd only) | 6.3035% | 1,660 |
Net charge-offs to loans | -0.0583% | 7,459 |
Credit loss provision to net charge-offs | -394.7368% | 7,101 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5099% | 5,628 |
Assets per employee ($millions) | 5.3879% | 1,684 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6349% | 535 |
Loan loss allowance to noncurrent loans | 211.5016% | 1,436 |
Noncurrent assets plus other real estate owned to assets | 1.8949% | 3,490 |
Noncurrent loans to loans | 1.7186% | 3,924 |
Net loans and leases to total assets | 71.2556% | 2,245 |
Net loans and leases to deposits | 91.8672% | 1,278 |
Net loans and leases to core deposits | 121.0253% | 504 |
Total domestic deposits to total assets | 77.5638% | 6,388 |
Equity capital to assets | 12.2995% | 1,741 |
Core capital (leverage) ratio | 9.8042% | 3,309 |
Tier 1 risk-based capital ratio | 11.8746% | 5,599 |
Total risk-based capital ratio | 13.1506% | 5,547 |
Memoranda: | ||
Average total assets | $177,116,400 | 3,420 |
Average earning assets | $160,648,200 | 3,437 |
Average equity | $20,924,800 | 3,017 |
Average total loans | $130,429,600 | 3,116 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2879% | 3,407 |
Cost of funding earning assets | 2.0395% | 663 |
Net interest margin | 3.2484% | 6,177 |
Noninterest income to average assets | 0.5093% | 4,104 |
Noninterest expense to average assets | 2.2233% | 6,543 |
Loan and lease loss provision to assets | 0.1309% | 5,718 |
Net operating income to assets | 0.7415% | 3,236 |
Return on assets (ROA) | 0.8121% | 3,095 |
Pretax return on assets | 1.2085% | 2,457 |
Return on Equity (ROE) | 6.9432% | 3,371 |
Retained earnings to average equity (ytd only) | 6.9432% | 1,887 |
Net charge-offs to loans | -0.0874% | 7,532 |
Credit loss provision to net charge-offs | -203.4884% | 6,950 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.9245% | 5,445 |
Assets per employee ($millions) | 5.0347% | 2,130 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4709% | 550 |
Loan loss allowance to noncurrent loans | 190.7134% | 1,509 |
Noncurrent assets plus other real estate owned to assets | 2.1207% | 3,302 |
Noncurrent loans to loans | 1.8200% | 3,914 |
Net loans and leases to total assets | 71.3048% | 2,404 |
Net loans and leases to deposits | 91.3499% | 1,528 |
Net loans and leases to core deposits | 116.9241% | 718 |
Total domestic deposits to total assets | 78.0568% | 6,245 |
Equity capital to assets | 12.1744% | 2,043 |
Core capital (leverage) ratio | 9.5519% | 3,826 |
Tier 1 risk-based capital ratio | 11.7000% | 5,731 |
Total risk-based capital ratio | 12.9746% | 5,677 |
Memoranda: | ||
Average total assets | $178,292,250 | 3,445 |
Average earning assets | $161,799,250 | 3,468 |
Average equity | $20,854,500 | 3,067 |
Average total loans | $131,165,000 | 3,156 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3002% | 3,471 |
Cost of funding earning assets | 2.1004% | 657 |
Net interest margin | 3.1998% | 6,319 |
Noninterest income to average assets | 0.5073% | 4,052 |
Noninterest expense to average assets | 2.2505% | 6,503 |
Loan and lease loss provision to assets | 0.1676% | 5,201 |
Net operating income to assets | 0.6816% | 3,475 |
Return on assets (ROA) | 0.6839% | 3,616 |
Pretax return on assets | 1.0001% | 3,114 |
Return on Equity (ROE) | 5.9259% | 3,835 |
Retained earnings to average equity (ytd only) | 5.9259% | 2,373 |
Net charge-offs to loans | -0.1658% | 7,621 |
Credit loss provision to net charge-offs | -137.6147% | 6,697 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.5288% | 5,238 |
Assets per employee ($millions) | 5.0182% | 2,165 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5009% | 540 |
Loan loss allowance to noncurrent loans | 183.9919% | 1,532 |
Noncurrent assets plus other real estate owned to assets | 2.1396% | 3,327 |
Noncurrent loans to loans | 1.9027% | 3,863 |
Net loans and leases to total assets | 70.8888% | 2,689 |
Net loans and leases to deposits | 91.2928% | 1,652 |
Net loans and leases to core deposits | 115.7989% | 851 |
Total domestic deposits to total assets | 77.6499% | 6,352 |
Equity capital to assets | 11.9354% | 2,133 |
Core capital (leverage) ratio | 8.9938% | 4,610 |
Tier 1 risk-based capital ratio | 10.9426% | 6,301 |
Total risk-based capital ratio | 12.2170% | 6,263 |
Memoranda: | ||
Average total assets | $178,985,000 | 3,454 |
Average earning assets | $162,635,330 | 3,470 |
Average equity | $20,655,000 | 3,085 |
Average total loans | $131,497,670 | 3,170 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2326% | 3,865 |
Cost of funding earning assets | 2.1427% | 702 |
Net interest margin | 3.0899% | 6,619 |
Noninterest income to average assets | 0.5380% | 3,747 |
Noninterest expense to average assets | 2.3735% | 6,182 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.6642% | 3,592 |
Return on assets (ROA) | 0.6642% | 3,707 |
Pretax return on assets | 0.9742% | 3,191 |
Return on Equity (ROE) | 5.8534% | 3,942 |
Retained earnings to average equity (ytd only) | 5.8534% | 2,690 |
Net charge-offs to loans | 0.1296% | 4,189 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | 10.2326% | 1,762 |
Efficiency ratio | 69.5106% | 4,408 |
Assets per employee ($millions) | 5.1342% | 2,049 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2062% | 692 |
Loan loss allowance to noncurrent loans | 696.6942% | 458 |
Noncurrent assets plus other real estate owned to assets | 1.0846% | 4,975 |
Noncurrent loans to loans | 0.4602% | 6,372 |
Net loans and leases to total assets | 70.8140% | 2,736 |
Net loans and leases to deposits | 89.3566% | 2,011 |
Net loans and leases to core deposits | 112.2718% | 1,142 |
Total domestic deposits to total assets | 79.2488% | 6,019 |
Equity capital to assets | 11.4978% | 2,363 |
Core capital (leverage) ratio | 8.8916% | 4,740 |
Tier 1 risk-based capital ratio | 10.6276% | 6,514 |
Total risk-based capital ratio | 11.9041% | 6,476 |
Memoranda: | ||
Average total assets | $180,659,000 | 3,490 |
Average earning assets | $164,277,500 | 3,490 |
Average equity | $20,501,000 | 3,132 |
Average total loans | $132,734,500 | 3,206 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4393% | 4,493 |
Cost of funding earning assets | 2.4578% | 1,127 |
Net interest margin | 2.9816% | 6,692 |
Noninterest income to average assets | 0.3651% | 5,477 |
Noninterest expense to average assets | 2.3998% | 6,469 |
Loan and lease loss provision to assets | 3.6298% | 418 |
Net operating income to assets | -1.7036% | 6,961 |
Return on assets (ROA) | -1.7481% | 6,995 |
Pretax return on assets | -3.0159% | 7,297 |
Return on Equity (ROE) | -14.7852% | 6,920 |
Retained earnings to average equity (ytd only) | -14.7852% | 6,872 |
Net charge-offs to loans | 3.0227% | 697 |
Credit loss provision to net charge-offs | 160.1277% | 2,788 |
Earnings coverage of net charge-offs (x) | 0.3015% | 5,816 |
Efficiency ratio | 76.2996% | 3,478 |
Assets per employee ($millions) | 5.1892% | 1,957 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1775% | 663 |
Loan loss allowance to noncurrent loans | 238.5434% | 1,255 |
Noncurrent assets plus other real estate owned to assets | 1.6903% | 3,830 |
Noncurrent loans to loans | 1.3320% | 4,698 |
Net loans and leases to total assets | 71.4374% | 2,901 |
Net loans and leases to deposits | 90.3461% | 2,167 |
Net loans and leases to core deposits | 122.7772% | 1,733 |
Total domestic deposits to total assets | 79.0708% | 5,957 |
Equity capital to assets | 11.1996% | 2,533 |
Core capital (leverage) ratio | 8.8413% | 4,701 |
Tier 1 risk-based capital ratio | 10.2176% | 6,666 |
Total risk-based capital ratio | 11.4875% | 6,616 |
Memoranda: | ||
Average total assets | $179,681,400 | 3,448 |
Average earning assets | $163,807,000 | 3,445 |
Average equity | $21,244,200 | 3,045 |
Average total loans | $134,745,000 | 3,177 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4483% | 4,696 |
Cost of funding earning assets | 2.5403% | 1,176 |
Net interest margin | 2.9080% | 6,839 |
Noninterest income to average assets | 0.3326% | 5,830 |
Noninterest expense to average assets | 2.4606% | 6,215 |
Loan and lease loss provision to assets | 4.8527% | 185 |
Net operating income to assets | -2.5900% | 7,480 |
Return on assets (ROA) | -2.6495% | 7,505 |
Pretax return on assets | -4.4196% | 7,745 |
Return on Equity (ROE) | -22.1140% | 7,447 |
Retained earnings to average equity (ytd only) | -22.1140% | 7,415 |
Net charge-offs to loans | 3.9328% | 366 |
Credit loss provision to net charge-offs | 163.8693% | 2,870 |
Earnings coverage of net charge-offs (x) | 0.1776% | 5,846 |
Efficiency ratio | 80.7922% | 2,735 |
Assets per employee ($millions) | 5.1426% | 1,978 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2214% | 549 |
Loan loss allowance to noncurrent loans | 187.1398% | 1,569 |
Noncurrent assets plus other real estate owned to assets | 2.0612% | 3,262 |
Noncurrent loans to loans | 1.7214% | 4,052 |
Net loans and leases to total assets | 74.7582% | 2,303 |
Net loans and leases to deposits | 98.1211% | 1,315 |
Net loans and leases to core deposits | 135.9282% | 1,106 |
Total domestic deposits to total assets | 76.1897% | 6,551 |
Equity capital to assets | 11.4179% | 2,658 |
Core capital (leverage) ratio | 9.1544% | 4,411 |
Tier 1 risk-based capital ratio | 10.8789% | 6,076 |
Total risk-based capital ratio | 12.1500% | 6,012 |
Memoranda: | ||
Average total assets | $179,196,250 | 3,478 |
Average earning assets | $163,545,500 | 3,482 |
Average equity | $21,470,000 | 3,034 |
Average total loans | $134,930,250 | 3,209 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3934% | 5,183 |
Cost of funding earning assets | 2.5767% | 1,354 |
Net interest margin | 2.8167% | 6,980 |
Noninterest income to average assets | 0.7340% | 2,796 |
Noninterest expense to average assets | 2.5044% | 6,112 |
Loan and lease loss provision to assets | 2.6682% | 577 |
Net operating income to assets | -0.9887% | 6,972 |
Return on assets (ROA) | -0.9887% | 6,972 |
Pretax return on assets | -1.8655% | 7,237 |
Return on Equity (ROE) | -8.1285% | 6,896 |
Retained earnings to average equity (ytd only) | -8.1285% | 6,680 |
Net charge-offs to loans | 2.8439% | 575 |
Credit loss provision to net charge-offs | 125.6517% | 3,700 |
Earnings coverage of net charge-offs (x) | 0.3780% | 5,305 |
Efficiency ratio | 74.3221% | 3,988 |
Assets per employee ($millions) | 5.3780% | 1,693 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6988% | 2,360 |
Loan loss allowance to noncurrent loans | 85.0333% | 3,333 |
Noncurrent assets plus other real estate owned to assets | 2.5835% | 2,491 |
Noncurrent loans to loans | 1.9978% | 3,526 |
Net loans and leases to total assets | 72.8164% | 3,000 |
Net loans and leases to deposits | 95.7506% | 1,838 |
Net loans and leases to core deposits | 136.1185% | 1,201 |
Total domestic deposits to total assets | 76.0480% | 6,539 |
Equity capital to assets | 12.2503% | 2,054 |
Core capital (leverage) ratio | 10.5457% | 2,770 |
Tier 1 risk-based capital ratio | 12.4613% | 4,548 |
Total risk-based capital ratio | 13.6832% | 4,497 |
Memoranda: | ||
Average total assets | $180,645,330 | 3,470 |
Average earning assets | $165,016,330 | 3,473 |
Average equity | $21,972,000 | 2,973 |
Average total loans | $134,885,330 | 3,249 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3861% | 5,495 |
Cost of funding earning assets | 2.6041% | 1,554 |
Net interest margin | 2.7820% | 7,031 |
Noninterest income to average assets | 0.7597% | 2,545 |
Noninterest expense to average assets | 2.6289% | 5,325 |
Loan and lease loss provision to assets | 4.2152% | 218 |
Net operating income to assets | -1.9984% | 7,659 |
Return on assets (ROA) | -1.9984% | 7,657 |
Pretax return on assets | -3.5401% | 7,846 |
Return on Equity (ROE) | -16.4905% | 7,658 |
Retained earnings to average equity (ytd only) | -16.4905% | 7,513 |
Net charge-offs to loans | 2.5764% | 532 |
Credit loss provision to net charge-offs | 218.2238% | 2,073 |
Earnings coverage of net charge-offs (x) | 0.3495% | 4,694 |
Efficiency ratio | 78.1524% | 3,139 |
Assets per employee ($millions) | 5.3009% | 1,743 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1199% | 1,195 |
Loan loss allowance to noncurrent loans | 66.4167% | 4,253 |
Noncurrent assets plus other real estate owned to assets | 2.9537% | 1,916 |
Noncurrent loans to loans | 3.1918% | 2,028 |
Net loans and leases to total assets | 70.5287% | 3,571 |
Net loans and leases to deposits | 94.7744% | 2,140 |
Net loans and leases to core deposits | 138.5813% | 1,167 |
Total domestic deposits to total assets | 74.4175% | 6,817 |
Equity capital to assets | 12.0135% | 2,252 |
Core capital (leverage) ratio | 10.8418% | 2,624 |
Tier 1 risk-based capital ratio | 12.8199% | 4,308 |
Total risk-based capital ratio | 14.0783% | 4,224 |
Memoranda: | ||
Average total assets | $179,541,500 | 3,510 |
Average earning assets | $164,199,500 | 3,510 |
Average equity | $21,758,000 | 3,007 |
Average total loans | $134,604,000 | 3,280 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1977% | 4,528 |
Cost of funding earning assets | 3.0656% | 1,620 |
Net interest margin | 3.1321% | 6,558 |
Noninterest income to average assets | 0.3579% | 5,861 |
Noninterest expense to average assets | 2.5351% | 5,872 |
Loan and lease loss provision to assets | 0.1418% | 5,540 |
Net operating income to assets | 0.3724% | 5,261 |
Return on assets (ROA) | 0.3724% | 5,071 |
Pretax return on assets | 0.5293% | 4,910 |
Return on Equity (ROE) | 3.1735% | 5,167 |
Retained earnings to average equity (ytd only) | 3.1735% | 3,173 |
Net charge-offs to loans | 0.1354% | 4,868 |
Credit loss provision to net charge-offs | 127.8409% | 4,174 |
Earnings coverage of net charge-offs (x) | 6.0511% | 3,456 |
Efficiency ratio | 77.3978% | 3,017 |
Assets per employee ($millions) | 5.4234% | 1,519 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3349% | 3,563 |
Loan loss allowance to noncurrent loans | 38.7781% | 6,131 |
Noncurrent assets plus other real estate owned to assets | 2.8966% | 1,605 |
Noncurrent loans to loans | 3.4423% | 1,486 |
Net loans and leases to total assets | 77.0447% | 2,363 |
Net loans and leases to deposits | 100.5943% | 1,770 |
Net loans and leases to core deposits | 147.2556% | 968 |
Total domestic deposits to total assets | 76.5895% | 6,099 |
Equity capital to assets | 12.2311% | 2,148 |
Core capital (leverage) ratio | 10.8880% | 2,678 |
Tier 1 risk-based capital ratio | 12.0766% | 4,762 |
Total risk-based capital ratio | 13.3220% | 4,644 |
Memoranda: | ||
Average total assets | $158,694,200 | 3,741 |
Average earning assets | $144,310,600 | 3,752 |
Average equity | $18,622,800 | 3,456 |
Average total loans | $129,944,400 | 3,272 |