Home > Verimore Bank > Performance and Condition Ratios
Verimore Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2820% | 847 |
Cost of funding earning assets | 2.4134% | 1,007 |
Net interest margin | 3.8686% | 1,530 |
Noninterest income to average assets | 0.2600% | 3,131 |
Noninterest expense to average assets | 2.2325% | 3,019 |
Loan and lease loss provision to assets | 0.0000% | 2,722 |
Net operating income to assets | 1.7437% | 699 |
Return on assets (ROA) | 1.7437% | 698 |
Pretax return on assets | 1.7437% | 1,038 |
Return on Equity (ROE) | 17.3500% | 710 |
Retained earnings to average equity (ytd only) | 4.6175% | 2,676 |
Net charge-offs to loans | 0.0082% | 1,945 |
Credit loss provision to net charge-offs | -512.5000% | 4,430 |
Earnings coverage of net charge-offs (x) | 255.5000% | 344 |
Efficiency ratio | 56.0395% | 3,409 |
Assets per employee ($millions) | 7.3643% | 1,972 |
Cash dividends to net income (ytd only)* | 73.3855% | 745 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2063% | 2,150 |
Loan loss allowance to noncurrent loans | 1,760.4478% | 464 |
Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,282 |
Noncurrent loans to loans | 0.0685% | 3,332 |
Net loans and leases to total assets | 81.9800% | 402 |
Net loans and leases to deposits | 94.3176% | 744 |
Net loans and leases to core deposits | 103.2795% | 1,175 |
Total domestic deposits to total assets | 86.9200% | 1,957 |
Equity capital to assets | 10.0714% | 2,178 |
Core capital (leverage) ratio | 10.3912% | 2,502 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5643% | 2,020 |
Memoranda: | ||
Average total assets | $468,889,500 | 1,864 |
Average earning assets | $450,814,000 | 1,811 |
Average equity | $47,125,000 | 1,838 |
Average total loans | $389,916,500 | 1,586 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 55,765.0000% | 23 |
Cost of funding earning assets | 108.0000% | 21 |
Net interest margin | 0.0000% | 4,448 |
Noninterest income to average assets | 0.0000% | 4,443 |
Noninterest expense to average assets | 0.0000% | 4,477 |
Loan and lease loss provision to assets | NA | NA |
Net operating income to assets | NA | NA |
Return on assets (ROA) | 1.5407% | 842 |
Pretax return on assets | 1.5407% | 1,209 |
Return on Equity (ROE) | 15.1700% | 902 |
Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
Net charge-offs to loans | 8.0000% | 30 |
Credit loss provision to net charge-offs | 4.0000% | 2,527 |
Earnings coverage of net charge-offs (x) | 40.0000% | 1,343 |
Efficiency ratio | 12,000.0000% | 13 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 6.3045% | 3,273 |
Condition Ratios (%) | ||
Loss allowance to loans | 1,887.0000% | 15 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
Noncurrent assets plus other real estate owned to assets | NA | NA |
Noncurrent loans to loans | 0.0000% | 3,787 |
Net loans and leases to total assets | NA | NA |
Net loans and leases to deposits | 0.0000% | 4,387 |
Net loans and leases to core deposits | 0.0086% | 4,374 |
Total domestic deposits to total assets | 0.0000% | 4,451 |
Equity capital to assets | 103,562.0000% | 23 |
Core capital (leverage) ratio | 0.0000% | 4,462 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $369,000 | 4,498 |
Average earning assets | $13,952 | 4,458 |
Average equity | $303,000 | 4,448 |
Average total loans | NA | NA |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3031% | 885 |
Cost of funding earning assets | 2.5846% | 1,012 |
Net interest margin | 3.7185% | 1,607 |
Noninterest income to average assets | 0.2800% | 3,175 |
Noninterest expense to average assets | 2.3016% | 2,793 |
Loan and lease loss provision to assets | 0.0300% | 2,381 |
Net operating income to assets | 1.5155% | 920 |
Return on assets (ROA) | 1.5102% | 925 |
Pretax return on assets | 1.5102% | 1,291 |
Return on Equity (ROE) | 14.8200% | 989 |
Retained earnings to average equity (ytd only) | 1.6172% | 3,563 |
Net charge-offs to loans | -0.0022% | 3,707 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 59.6660% | 3,200 |
Assets per employee ($millions) | 6.9248% | 2,194 |
Cash dividends to net income (ytd only)* | 89.0913% | 361 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2613% | 1,889 |
Loan loss allowance to noncurrent loans | 2,348.2759% | 376 |
Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,418 |
Noncurrent loans to loans | 0.0537% | 3,432 |
Net loans and leases to total assets | 82.9100% | 332 |
Net loans and leases to deposits | 96.6387% | 676 |
Net loans and leases to core deposits | 106.2766% | 1,128 |
Total domestic deposits to total assets | 85.7900% | 2,012 |
Equity capital to assets | 10.2441% | 2,138 |
Core capital (leverage) ratio | 10.1840% | 2,689 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6305% | 2,039 |
Memoranda: | ||
Average total assets | $445,948,250 | 1,908 |
Average earning assets | $428,626,250 | 1,856 |
Average equity | $45,426,750 | 1,829 |
Average total loans | $371,991,000 | 1,614 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1533% | 964 |
Cost of funding earning assets | 2.4774% | 1,123 |
Net interest margin | 3.6759% | 1,646 |
Noninterest income to average assets | 0.2800% | 3,143 |
Noninterest expense to average assets | 2.2805% | 2,843 |
Loan and lease loss provision to assets | 0.0500% | 1,906 |
Net operating income to assets | 1.4882% | 937 |
Return on assets (ROA) | 1.4783% | 950 |
Pretax return on assets | 1.4783% | 1,321 |
Return on Equity (ROE) | 14.5400% | 1,064 |
Retained earnings to average equity (ytd only) | 1.2655% | 3,545 |
Net charge-offs to loans | -0.0016% | 3,600 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 59.6111% | 3,239 |
Assets per employee ($millions) | 7.3095% | 1,863 |
Cash dividends to net income (ytd only)* | 91.2964% | 473 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2644% | 1,911 |
Loan loss allowance to noncurrent loans | 1,448.0243% | 575 |
Noncurrent assets plus other real estate owned to assets | 0.0726% | 3,173 |
Noncurrent loans to loans | 0.0873% | 3,220 |
Net loans and leases to total assets | 82.0900% | 469 |
Net loans and leases to deposits | 95.3572% | 841 |
Net loans and leases to core deposits | 104.3087% | 1,244 |
Total domestic deposits to total assets | 86.0900% | 1,951 |
Equity capital to assets | 9.9972% | 2,074 |
Core capital (leverage) ratio | 10.6249% | 2,276 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5683% | 2,046 |
Memoranda: | ||
Average total assets | $444,560,333 | 1,910 |
Average earning assets | $427,545,333 | 1,848 |
Average equity | $45,199,000 | 1,815 |
Average total loans | $370,004,000 | 1,612 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1079% | 931 |
Cost of funding earning assets | 2.4536% | 1,070 |
Net interest margin | 3.6543% | 1,632 |
Noninterest income to average assets | 0.3400% | 2,684 |
Noninterest expense to average assets | 2.3096% | 2,770 |
Loan and lease loss provision to assets | 0.0600% | 1,561 |
Net operating income to assets | 1.4883% | 915 |
Return on assets (ROA) | 1.4855% | 927 |
Pretax return on assets | 1.4855% | 1,275 |
Return on Equity (ROE) | 14.4900% | 1,062 |
Retained earnings to average equity (ytd only) | 1.1961% | 3,446 |
Net charge-offs to loans | 0.0011% | 2,183 |
Credit loss provision to net charge-offs | 4,600.0000% | 88 |
Earnings coverage of net charge-offs (x) | 1,699.0000% | 41 |
Efficiency ratio | 59.8208% | 3,283 |
Assets per employee ($millions) | 6.5817% | 2,390 |
Cash dividends to net income (ytd only)* | 91.7431% | 604 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2644% | 1,928 |
Loan loss allowance to noncurrent loans | 16,165.5172% | 92 |
Noncurrent assets plus other real estate owned to assets | 0.0067% | 3,779 |
Noncurrent loans to loans | 0.0078% | 3,744 |
Net loans and leases to total assets | 84.2800% | 250 |
Net loans and leases to deposits | 98.4806% | 561 |
Net loans and leases to core deposits | 107.8388% | 1,030 |
Total domestic deposits to total assets | 85.5800% | 2,232 |
Equity capital to assets | 10.4137% | 1,771 |
Core capital (leverage) ratio | 10.6010% | 2,252 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.6456% | 2,011 |
Memoranda: | ||
Average total assets | $440,247,500 | 1,925 |
Average earning assets | $423,386,500 | 1,871 |
Average equity | $45,145,500 | 1,802 |
Average total loans | $366,614,000 | 1,618 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6188% | 1,015 |
Cost of funding earning assets | 1.6144% | 1,655 |
Net interest margin | 4.0045% | 1,201 |
Noninterest income to average assets | 0.2600% | 3,376 |
Noninterest expense to average assets | 2.2974% | 2,864 |
Loan and lease loss provision to assets | 0.1000% | 1,286 |
Net operating income to assets | 1.7094% | 721 |
Return on assets (ROA) | 1.6990% | 699 |
Pretax return on assets | 1.6990% | 1,066 |
Return on Equity (ROE) | 16.5600% | 1,009 |
Retained earnings to average equity (ytd only) | 2.9958% | 3,271 |
Net charge-offs to loans | 0.0051% | 2,531 |
Credit loss provision to net charge-offs | 1,338.8889% | 318 |
Earnings coverage of net charge-offs (x) | 432.9444% | 329 |
Efficiency ratio | 55.8425% | 3,513 |
Assets per employee ($millions) | 6.8632% | 2,162 |
Cash dividends to net income (ytd only)* | 81.9113% | 540 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2810% | 1,873 |
Loan loss allowance to noncurrent loans | 14,977.4194% | 99 |
Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,750 |
Noncurrent loans to loans | 0.0086% | 3,710 |
Net loans and leases to total assets | 80.2100% | 622 |
Net loans and leases to deposits | 93.3610% | 987 |
Net loans and leases to core deposits | 99.8894% | 1,445 |
Total domestic deposits to total assets | 85.9100% | 2,050 |
Equity capital to assets | 10.0996% | 1,951 |
Core capital (leverage) ratio | 10.4807% | 2,360 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5945% | 2,029 |
Memoranda: | ||
Average total assets | $431,140,600 | 1,914 |
Average earning assets | $414,462,800 | 1,860 |
Average equity | $44,228,600 | 1,753 |
Average total loans | $351,194,000 | 1,608 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4884% | 1,028 |
Cost of funding earning assets | 1.4119% | 1,838 |
Net interest margin | 4.0765% | 1,102 |
Noninterest income to average assets | 0.2600% | 3,384 |
Noninterest expense to average assets | 2.2972% | 2,800 |
Loan and lease loss provision to assets | 0.0400% | 2,145 |
Net operating income to assets | 1.8409% | 609 |
Return on assets (ROA) | 1.8399% | 603 |
Pretax return on assets | 1.8399% | 943 |
Return on Equity (ROE) | 17.8600% | 965 |
Retained earnings to average equity (ytd only) | 4.2341% | 3,194 |
Net charge-offs to loans | 0.0054% | 2,266 |
Credit loss provision to net charge-offs | 450.0000% | 683 |
Earnings coverage of net charge-offs (x) | 430.0000% | 342 |
Efficiency ratio | 54.9014% | 3,500 |
Assets per employee ($millions) | 6.6368% | 2,222 |
Cash dividends to net income (ytd only)* | 76.2970% | 524 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2566% | 2,069 |
Loan loss allowance to noncurrent loans | 6,121.9178% | 200 |
Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,667 |
Noncurrent loans to loans | 0.0205% | 3,616 |
Net loans and leases to total assets | 80.1700% | 620 |
Net loans and leases to deposits | 91.9320% | 1,056 |
Net loans and leases to core deposits | 97.7590% | 1,459 |
Total domestic deposits to total assets | 87.2000% | 1,828 |
Equity capital to assets | 10.1424% | 1,748 |
Core capital (leverage) ratio | 10.6336% | 2,280 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.8108% | 1,966 |
Memoranda: | ||
Average total assets | $427,399,500 | 1,928 |
Average earning assets | $410,771,750 | 1,870 |
Average equity | $44,022,000 | 1,749 |
Average total loans | $348,379,500 | 1,618 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3334% | 1,037 |
Cost of funding earning assets | 1.2290% | 1,905 |
Net interest margin | 4.1044% | 1,079 |
Noninterest income to average assets | 0.2600% | 3,340 |
Noninterest expense to average assets | 2.2857% | 2,857 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.9200% | 541 |
Return on assets (ROA) | 1.9167% | 539 |
Pretax return on assets | 1.9167% | 837 |
Return on Equity (ROE) | 18.5100% | 892 |
Retained earnings to average equity (ytd only) | 4.8397% | 2,981 |
Net charge-offs to loans | 0.0116% | 1,762 |
Credit loss provision to net charge-offs | -285.0000% | 4,577 |
Earnings coverage of net charge-offs (x) | 203.4000% | 598 |
Efficiency ratio | 54.2303% | 3,588 |
Assets per employee ($millions) | 6.4041% | 2,378 |
Cash dividends to net income (ytd only)* | 73.8552% | 670 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2533% | 2,161 |
Loan loss allowance to noncurrent loans | 5,428.7500% | 246 |
Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,645 |
Noncurrent loans to loans | 0.0231% | 3,596 |
Net loans and leases to total assets | 79.7500% | 662 |
Net loans and leases to deposits | 91.6050% | 1,053 |
Net loans and leases to core deposits | 96.6202% | 1,431 |
Total domestic deposits to total assets | 87.0600% | 1,912 |
Equity capital to assets | 10.2812% | 1,697 |
Core capital (leverage) ratio | 11.2399% | 1,769 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9680% | 1,910 |
Memoranda: | ||
Average total assets | $423,855,667 | 1,937 |
Average earning assets | $407,317,000 | 1,886 |
Average equity | $43,887,000 | 1,754 |
Average total loans | $345,963,000 | 1,615 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2368% | 906 |
Cost of funding earning assets | 1.0885% | 1,785 |
Net interest margin | 4.1484% | 1,033 |
Noninterest income to average assets | 0.2600% | 3,365 |
Noninterest expense to average assets | 2.2638% | 2,917 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.9846% | 504 |
Return on assets (ROA) | 1.9817% | 498 |
Pretax return on assets | 1.9817% | 807 |
Return on Equity (ROE) | 19.0700% | 879 |
Retained earnings to average equity (ytd only) | 5.3640% | 2,934 |
Net charge-offs to loans | -0.0012% | 3,330 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 53.1858% | 3,686 |
Assets per employee ($millions) | 5.9940% | 2,765 |
Cash dividends to net income (ytd only)* | 71.8735% | 762 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2685% | 2,191 |
Loan loss allowance to noncurrent loans | 6,417.6471% | 241 |
Noncurrent assets plus other real estate owned to assets | 0.0175% | 3,645 |
Noncurrent loans to loans | 0.0198% | 3,638 |
Net loans and leases to total assets | 87.1800% | 100 |
Net loans and leases to deposits | 98.5139% | 511 |
Net loans and leases to core deposits | 102.9278% | 968 |
Total domestic deposits to total assets | 88.5000% | 1,739 |
Equity capital to assets | 11.2670% | 1,241 |
Core capital (leverage) ratio | 10.8444% | 1,959 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0979% | 1,948 |
Memoranda: | ||
Average total assets | $421,245,500 | 1,973 |
Average earning assets | $404,979,500 | 1,919 |
Average equity | $43,773,500 | 1,772 |
Average total loans | $345,676,000 | 1,633 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5409% | 675 |
Cost of funding earning assets | 0.6013% | 898 |
Net interest margin | 3.9396% | 877 |
Noninterest income to average assets | 0.2400% | 3,705 |
Noninterest expense to average assets | 2.2641% | 2,853 |
Loan and lease loss provision to assets | 0.1100% | 1,145 |
Net operating income to assets | 1.6725% | 572 |
Return on assets (ROA) | 1.6720% | 545 |
Pretax return on assets | 1.6720% | 987 |
Return on Equity (ROE) | 17.3200% | 806 |
Retained earnings to average equity (ytd only) | 7.0165% | 2,238 |
Net charge-offs to loans | 0.0094% | 2,029 |
Credit loss provision to net charge-offs | 1,582.7586% | 309 |
Earnings coverage of net charge-offs (x) | 247.7241% | 551 |
Efficiency ratio | 55.7588% | 3,601 |
Assets per employee ($millions) | 6.8619% | 2,073 |
Cash dividends to net income (ytd only)* | 59.4972% | 979 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1802% | 2,490 |
Loan loss allowance to noncurrent loans | 2,029.2079% | 597 |
Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,361 |
Noncurrent loans to loans | 0.0582% | 3,339 |
Net loans and leases to total assets | 75.7800% | 1,030 |
Net loans and leases to deposits | 84.0627% | 1,472 |
Net loans and leases to core deposits | 87.0010% | 1,682 |
Total domestic deposits to total assets | 90.1500% | 1,294 |
Equity capital to assets | 9.6382% | 1,922 |
Core capital (leverage) ratio | 10.0944% | 2,551 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.3454% | 2,222 |
Memoranda: | ||
Average total assets | $402,095,000 | 2,027 |
Average earning assets | $389,150,600 | 1,948 |
Average equity | $38,808,400 | 1,962 |
Average total loans | $309,160,600 | 1,681 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3222% | 694 |
Cost of funding earning assets | 0.4250% | 1,120 |
Net interest margin | 3.8972% | 809 |
Noninterest income to average assets | 0.2400% | 3,728 |
Noninterest expense to average assets | 2.2194% | 2,877 |
Loan and lease loss provision to assets | 0.0600% | 1,588 |
Net operating income to assets | 1.7308% | 492 |
Return on assets (ROA) | 1.7291% | 484 |
Pretax return on assets | 1.7291% | 851 |
Return on Equity (ROE) | 17.9100% | 653 |
Retained earnings to average equity (ytd only) | 3.7235% | 3,542 |
Net charge-offs to loans | -0.0187% | 3,973 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 55.1754% | 3,699 |
Assets per employee ($millions) | 6.9028% | 2,016 |
Cash dividends to net income (ytd only)* | 79.2079% | 419 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1406% | 2,836 |
Loan loss allowance to noncurrent loans | 8,651.1111% | 165 |
Noncurrent assets plus other real estate owned to assets | 0.0102% | 3,878 |
Noncurrent loans to loans | 0.0132% | 3,841 |
Net loans and leases to total assets | 76.3800% | 869 |
Net loans and leases to deposits | 83.5667% | 1,333 |
Net loans and leases to core deposits | 86.4571% | 1,502 |
Total domestic deposits to total assets | 91.4000% | 1,078 |
Equity capital to assets | 8.4349% | 2,590 |
Core capital (leverage) ratio | 9.4792% | 3,097 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.3374% | 2,707 |
Memoranda: | ||
Average total assets | $389,397,750 | 2,079 |
Average earning assets | $377,425,000 | 2,017 |
Average equity | $37,598,000 | 2,040 |
Average total loans | $299,621,500 | 1,714 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1640% | 687 |
Cost of funding earning assets | 0.3612% | 1,186 |
Net interest margin | 3.8029% | 750 |
Noninterest income to average assets | 0.2328% | 3,784 |
Noninterest expense to average assets | 2.2896% | 2,579 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.6406% | 496 |
Return on assets (ROA) | 1.6379% | 491 |
Pretax return on assets | 1.6379% | 868 |
Return on Equity (ROE) | 16.1552% | 678 |
Retained earnings to average equity (ytd only) | 1.5699% | 3,866 |
Net charge-offs to loans | -0.0252% | 3,980 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.1064% | 3,544 |
Assets per employee ($millions) | 6.1808% | 2,583 |
Cash dividends to net income (ytd only)* | 90.2823% | 465 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1723% | 2,835 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 82.8414% | 248 |
Net loans and leases to deposits | 92.1242% | 605 |
Net loans and leases to core deposits | 95.8312% | 839 |
Total domestic deposits to total assets | 89.9236% | 1,740 |
Equity capital to assets | 9.9119% | 1,759 |
Core capital (leverage) ratio | 10.0694% | 2,313 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.2534% | 2,393 |
Memoranda: | ||
Average total assets | $371,936,667 | 2,152 |
Average earning assets | $361,621,000 | 2,095 |
Average equity | $37,709,333 | 2,086 |
Average total loans | $285,723,000 | 1,774 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7285% | 1,224 |
Cost of funding earning assets | 0.3694% | 1,063 |
Net interest margin | 3.3591% | 1,416 |
Noninterest income to average assets | 0.2371% | 3,722 |
Noninterest expense to average assets | 2.2827% | 2,567 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 1.2236% | 1,187 |
Return on assets (ROA) | 1.2226% | 1,173 |
Pretax return on assets | 1.2226% | 1,722 |
Return on Equity (ROE) | 11.9223% | 1,335 |
Retained earnings to average equity (ytd only) | -3.9178% | 4,368 |
Net charge-offs to loans | -0.0163% | 3,799 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.9475% | 2,916 |
Assets per employee ($millions) | 5.9554% | 2,848 |
Cash dividends to net income (ytd only)* | 132.8609% | 364 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3265% | 2,230 |
Loan loss allowance to noncurrent loans | 4,658.2278% | 281 |
Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,830 |
Noncurrent loans to loans | 0.0285% | 3,791 |
Net loans and leases to total assets | 74.1406% | 649 |
Net loans and leases to deposits | 82.5777% | 975 |
Net loans and leases to core deposits | 86.1280% | 1,123 |
Total domestic deposits to total assets | 89.7828% | 1,680 |
Equity capital to assets | 10.1072% | 1,822 |
Core capital (leverage) ratio | 10.1101% | 2,176 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.8314% | 1,862 |
Memoranda: | ||
Average total assets | $369,390,000 | 2,170 |
Average earning assets | $359,504,000 | 2,115 |
Average equity | $37,878,500 | 2,133 |
Average total loans | $270,563,500 | 1,835 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4621% | 635 |
Cost of funding earning assets | 0.4784% | 1,015 |
Net interest margin | 3.9837% | 737 |
Noninterest income to average assets | 0.2425% | 3,922 |
Noninterest expense to average assets | 2.2897% | 2,825 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 1.8145% | 492 |
Return on assets (ROA) | 1.8314% | 496 |
Pretax return on assets | 1.8314% | 851 |
Return on Equity (ROE) | 18.0660% | 461 |
Retained earnings to average equity (ytd only) | 10.5465% | 794 |
Net charge-offs to loans | 0.0071% | 2,310 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | 327.3000% | 379 |
Efficiency ratio | 55.6396% | 3,741 |
Assets per employee ($millions) | 5.7742% | 2,987 |
Cash dividends to net income (ytd only)* | 41.6225% | 1,954 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3914% | 1,946 |
Loan loss allowance to noncurrent loans | 3,743.8776% | 334 |
Noncurrent assets plus other real estate owned to assets | 0.0327% | 3,801 |
Noncurrent loans to loans | 0.0372% | 3,811 |
Net loans and leases to total assets | 70.3635% | 1,000 |
Net loans and leases to deposits | 78.6871% | 1,330 |
Net loans and leases to core deposits | 82.0476% | 1,457 |
Total domestic deposits to total assets | 89.4219% | 1,283 |
Equity capital to assets | 10.4014% | 2,262 |
Core capital (leverage) ratio | 10.1338% | 2,241 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.1019% | 1,481 |
Memoranda: | ||
Average total assets | $360,752,600 | 2,148 |
Average earning assets | $349,702,400 | 2,084 |
Average equity | $36,571,400 | 2,221 |
Average total loans | $281,346,000 | 1,782 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4713% | 705 |
Cost of funding earning assets | 0.4981% | 1,055 |
Net interest margin | 3.9732% | 833 |
Noninterest income to average assets | 0.2503% | 3,896 |
Noninterest expense to average assets | 2.2040% | 3,058 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.8931% | 565 |
Return on assets (ROA) | 1.9050% | 574 |
Pretax return on assets | 1.9050% | 939 |
Return on Equity (ROE) | 18.9186% | 525 |
Retained earnings to average equity (ytd only) | 10.6096% | 1,147 |
Net charge-offs to loans | 0.0051% | 2,145 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | 462.8182% | 319 |
Efficiency ratio | 53.6486% | 3,851 |
Assets per employee ($millions) | 5.9150% | 2,777 |
Cash dividends to net income (ytd only)* | 43.9196% | 1,446 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3299% | 2,333 |
Loan loss allowance to noncurrent loans | 3,374.3119% | 316 |
Noncurrent assets plus other real estate owned to assets | 0.0499% | 3,820 |
Noncurrent loans to loans | 0.0394% | 3,929 |
Net loans and leases to total assets | 73.2269% | 750 |
Net loans and leases to deposits | 82.5368% | 1,063 |
Net loans and leases to core deposits | 88.0392% | 1,147 |
Total domestic deposits to total assets | 88.7203% | 1,447 |
Equity capital to assets | 10.0778% | 2,824 |
Core capital (leverage) ratio | 10.0774% | 2,420 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3872% | 1,834 |
Memoranda: | ||
Average total assets | $358,553,750 | 2,180 |
Average earning assets | $347,150,250 | 2,116 |
Average equity | $36,104,750 | 2,270 |
Average total loans | $285,758,500 | 1,790 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5422% | 684 |
Cost of funding earning assets | 0.5138% | 1,127 |
Net interest margin | 4.0284% | 783 |
Noninterest income to average assets | 0.2577% | 3,848 |
Noninterest expense to average assets | 2.1839% | 3,141 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 1.9692% | 512 |
Return on assets (ROA) | 1.9906% | 521 |
Pretax return on assets | 1.9906% | 853 |
Return on Equity (ROE) | 19.7745% | 470 |
Retained earnings to average equity (ytd only) | 11.3526% | 1,048 |
Net charge-offs to loans | -0.0048% | 3,422 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.4360% | 3,998 |
Assets per employee ($millions) | 5.8912% | 2,723 |
Cash dividends to net income (ytd only)* | 42.5894% | 1,491 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2608% | 2,635 |
Loan loss allowance to noncurrent loans | 1,687.6712% | 482 |
Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,829 |
Noncurrent loans to loans | 0.0747% | 3,810 |
Net loans and leases to total assets | 79.2433% | 362 |
Net loans and leases to deposits | 89.3248% | 692 |
Net loans and leases to core deposits | 96.8954% | 767 |
Total domestic deposits to total assets | 88.7137% | 1,440 |
Equity capital to assets | 10.0524% | 2,806 |
Core capital (leverage) ratio | 10.0034% | 2,396 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.7759% | 2,068 |
Memoranda: | ||
Average total assets | $353,857,667 | 2,186 |
Average earning assets | $342,171,667 | 2,128 |
Average equity | $35,621,667 | 2,287 |
Average total loans | $288,827,333 | 1,789 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6554% | 603 |
Cost of funding earning assets | 0.5295% | 1,207 |
Net interest margin | 4.1258% | 697 |
Noninterest income to average assets | 0.2700% | 3,783 |
Noninterest expense to average assets | 2.2633% | 2,897 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.9991% | 570 |
Return on assets (ROA) | 2.0416% | 584 |
Pretax return on assets | 2.0416% | 889 |
Return on Equity (ROE) | 20.2657% | 510 |
Retained earnings to average equity (ytd only) | 8.8613% | 1,996 |
Net charge-offs to loans | -0.0056% | 3,434 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.9650% | 3,917 |
Assets per employee ($millions) | 5.7362% | 2,869 |
Cash dividends to net income (ytd only)* | 56.2746% | 972 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2760% | 2,548 |
Loan loss allowance to noncurrent loans | 1,448.2353% | 500 |
Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,859 |
Noncurrent loans to loans | 0.0881% | 3,865 |
Net loans and leases to total assets | 80.3434% | 320 |
Net loans and leases to deposits | 90.6607% | 664 |
Net loans and leases to core deposits | 97.4158% | 825 |
Total domestic deposits to total assets | 88.6199% | 1,546 |
Equity capital to assets | 9.9593% | 2,739 |
Core capital (leverage) ratio | 10.0435% | 2,498 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6016% | 2,044 |
Memoranda: | ||
Average total assets | $348,158,500 | 2,200 |
Average earning assets | $336,902,000 | 2,141 |
Average equity | $35,074,000 | 2,300 |
Average total loans | $286,672,500 | 1,801 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5937% | 1,110 |
Cost of funding earning assets | 0.8421% | 1,045 |
Net interest margin | 3.7516% | 1,639 |
Noninterest income to average assets | 0.2968% | 3,709 |
Noninterest expense to average assets | 2.3181% | 3,360 |
Loan and lease loss provision to assets | 0.2334% | 1,669 |
Net operating income to assets | 1.3697% | 1,086 |
Return on assets (ROA) | 1.3778% | 1,162 |
Pretax return on assets | 1.3778% | 1,734 |
Return on Equity (ROE) | 14.4233% | 729 |
Retained earnings to average equity (ytd only) | 11.1972% | 416 |
Net charge-offs to loans | -0.0211% | 4,438 |
Credit loss provision to net charge-offs | -1,392.8571% | 4,122 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.9501% | 3,597 |
Assets per employee ($millions) | 5.4075% | 2,943 |
Cash dividends to net income (ytd only)* | 22.3670% | 3,145 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2993% | 2,415 |
Loan loss allowance to noncurrent loans | 78.8248% | 3,618 |
Noncurrent assets plus other real estate owned to assets | 1.3796% | 566 |
Noncurrent loans to loans | 1.6484% | 795 |
Net loans and leases to total assets | 82.2568% | 273 |
Net loans and leases to deposits | 93.1385% | 711 |
Net loans and leases to core deposits | 99.2379% | 944 |
Total domestic deposits to total assets | 88.3166% | 1,320 |
Equity capital to assets | 10.1940% | 2,933 |
Core capital (leverage) ratio | 10.0353% | 2,575 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2387% | 2,150 |
Memoranda: | ||
Average total assets | $334,240,000 | 2,118 |
Average earning assets | $322,900,200 | 2,069 |
Average equity | $31,927,600 | 2,392 |
Average total loans | $265,191,400 | 1,852 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6496% | 1,185 |
Cost of funding earning assets | 0.9147% | 1,020 |
Net interest margin | 3.7349% | 1,816 |
Noninterest income to average assets | 0.3082% | 3,647 |
Noninterest expense to average assets | 2.3529% | 3,280 |
Loan and lease loss provision to assets | 0.3127% | 1,279 |
Net operating income to assets | 1.2498% | 1,484 |
Return on assets (ROA) | 1.2606% | 1,566 |
Pretax return on assets | 1.2606% | 2,191 |
Return on Equity (ROE) | 13.4280% | 995 |
Retained earnings to average equity (ytd only) | 10.6314% | 648 |
Net charge-offs to loans | -0.0031% | 3,952 |
Credit loss provision to net charge-offs | -13,000.0000% | 4,378 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.9304% | 3,400 |
Assets per employee ($millions) | 5.3477% | 2,837 |
Cash dividends to net income (ytd only)* | 20.8267% | 2,739 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2704% | 2,292 |
Loan loss allowance to noncurrent loans | 57.1272% | 3,930 |
Noncurrent assets plus other real estate owned to assets | 1.8916% | 374 |
Noncurrent loans to loans | 2.2239% | 520 |
Net loans and leases to total assets | 83.9411% | 285 |
Net loans and leases to deposits | 95.4577% | 799 |
Net loans and leases to core deposits | 103.1605% | 974 |
Total domestic deposits to total assets | 87.9354% | 1,238 |
Equity capital to assets | 9.7598% | 3,472 |
Core capital (leverage) ratio | 9.4913% | 3,277 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5089% | 2,409 |
Memoranda: | ||
Average total assets | $332,632,250 | 2,107 |
Average earning assets | $321,251,750 | 2,052 |
Average equity | $31,227,500 | 2,412 |
Average total loans | $260,510,750 | 1,856 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8289% | 1,102 |
Cost of funding earning assets | 0.9930% | 1,004 |
Net interest margin | 3.8358% | 1,726 |
Noninterest income to average assets | 0.3526% | 3,366 |
Noninterest expense to average assets | 2.3798% | 3,309 |
Loan and lease loss provision to assets | 0.4625% | 824 |
Net operating income to assets | 1.2168% | 1,595 |
Return on assets (ROA) | 1.2228% | 1,699 |
Pretax return on assets | 1.2228% | 2,285 |
Return on Equity (ROE) | 13.2024% | 1,055 |
Retained earnings to average equity (ytd only) | 11.3768% | 552 |
Net charge-offs to loans | -0.0175% | 4,367 |
Credit loss provision to net charge-offs | -3,481.8182% | 4,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.4647% | 3,635 |
Assets per employee ($millions) | 5.6485% | 2,493 |
Cash dividends to net income (ytd only)* | 13.8272% | 2,943 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3349% | 1,854 |
Loan loss allowance to noncurrent loans | 56.7488% | 3,951 |
Noncurrent assets plus other real estate owned to assets | 1.8030% | 438 |
Noncurrent loans to loans | 2.3523% | 522 |
Net loans and leases to total assets | 75.6247% | 1,197 |
Net loans and leases to deposits | 85.1632% | 1,860 |
Net loans and leases to core deposits | 90.1648% | 2,063 |
Total domestic deposits to total assets | 88.7997% | 822 |
Equity capital to assets | 9.0264% | 4,072 |
Core capital (leverage) ratio | 8.8528% | 4,068 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.8136% | 2,684 |
Memoranda: | ||
Average total assets | $331,208,333 | 2,090 |
Average earning assets | $320,034,000 | 2,027 |
Average equity | $30,676,333 | 2,430 |
Average total loans | $251,867,667 | 1,890 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6321% | 1,901 |
Cost of funding earning assets | 1.1421% | 925 |
Net interest margin | 3.4899% | 3,013 |
Noninterest income to average assets | 0.5030% | 2,536 |
Noninterest expense to average assets | 2.4485% | 3,434 |
Loan and lease loss provision to assets | 0.1330% | 2,065 |
Net operating income to assets | 1.2945% | 1,259 |
Return on assets (ROA) | 1.3083% | 1,320 |
Pretax return on assets | 1.3083% | 1,850 |
Return on Equity (ROE) | 13.9280% | 712 |
Retained earnings to average equity (ytd only) | 13.9280% | 261 |
Net charge-offs to loans | -0.0298% | 4,471 |
Credit loss provision to net charge-offs | -588.8889% | 3,420 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.0097% | 3,370 |
Assets per employee ($millions) | 5.4487% | 2,175 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2164% | 2,578 |
Loan loss allowance to noncurrent loans | 45.8706% | 4,158 |
Noncurrent assets plus other real estate owned to assets | 1.9211% | 450 |
Noncurrent loans to loans | 2.6518% | 434 |
Net loans and leases to total assets | 71.5670% | 1,987 |
Net loans and leases to deposits | 81.0233% | 2,579 |
Net loans and leases to core deposits | 86.2136% | 2,662 |
Total domestic deposits to total assets | 88.3290% | 963 |
Equity capital to assets | 8.9743% | 4,614 |
Core capital (leverage) ratio | 9.2616% | 4,214 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9577% | 2,723 |
Memoranda: | ||
Average total assets | $318,884,500 | 2,097 |
Average earning assets | $308,199,500 | 2,032 |
Average equity | $29,954,000 | 2,456 |
Average total loans | $241,423,500 | 1,917 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0504% | 1,343 |
Cost of funding earning assets | 1.1413% | 1,189 |
Net interest margin | 3.9091% | 2,142 |
Noninterest income to average assets | 0.2981% | 3,897 |
Noninterest expense to average assets | 2.5659% | 3,271 |
Loan and lease loss provision to assets | 0.0686% | 2,642 |
Net operating income to assets | 1.4264% | 1,253 |
Return on assets (ROA) | 1.4313% | 1,307 |
Pretax return on assets | 1.4313% | 2,037 |
Return on Equity (ROE) | 14.6971% | 748 |
Retained earnings to average equity (ytd only) | 9.6129% | 566 |
Net charge-offs to loans | 0.0207% | 3,000 |
Credit loss provision to net charge-offs | 421.7391% | 675 |
Earnings coverage of net charge-offs (x) | 91.8913% | 722 |
Efficiency ratio | 63.0117% | 3,218 |
Assets per employee ($millions) | 5.0839% | 2,473 |
Cash dividends to net income (ytd only)* | 34.5935% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1982% | 2,444 |
Loan loss allowance to noncurrent loans | 43.5440% | 4,205 |
Noncurrent assets plus other real estate owned to assets | 2.2204% | 327 |
Noncurrent loans to loans | 2.7518% | 377 |
Net loans and leases to total assets | 78.4297% | 1,007 |
Net loans and leases to deposits | 90.0651% | 1,583 |
Net loans and leases to core deposits | 97.6660% | 1,756 |
Total domestic deposits to total assets | 87.0812% | 1,564 |
Equity capital to assets | 9.8653% | 4,045 |
Core capital (leverage) ratio | 9.8037% | 3,728 |
Tier 1 risk-based capital ratio | 12.2670% | 4,206 |
Total risk-based capital ratio | 13.4722% | 4,106 |
Memoranda: | ||
Average total assets | $282,745,400 | 2,264 |
Average earning assets | $272,157,200 | 2,195 |
Average equity | $27,536,000 | 2,528 |
Average total loans | $222,487,200 | 2,013 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0257% | 1,476 |
Cost of funding earning assets | 1.1176% | 1,280 |
Net interest margin | 3.9081% | 2,222 |
Noninterest income to average assets | 0.2964% | 3,965 |
Noninterest expense to average assets | 2.5556% | 3,284 |
Loan and lease loss provision to assets | 0.0517% | 2,872 |
Net operating income to assets | 1.4499% | 1,330 |
Return on assets (ROA) | 1.4557% | 1,369 |
Pretax return on assets | 1.4557% | 2,095 |
Return on Equity (ROE) | 14.9996% | 775 |
Retained earnings to average equity (ytd only) | 9.8188% | 799 |
Net charge-offs to loans | 0.0165% | 2,817 |
Credit loss provision to net charge-offs | 400.0000% | 752 |
Earnings coverage of net charge-offs (x) | 116.1453% | 670 |
Efficiency ratio | 62.7995% | 3,200 |
Assets per employee ($millions) | 5.0309% | 2,522 |
Cash dividends to net income (ytd only)* | 34.5396% | 2,410 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2231% | 2,385 |
Loan loss allowance to noncurrent loans | 51.0256% | 4,162 |
Noncurrent assets plus other real estate owned to assets | 1.9385% | 466 |
Noncurrent loans to loans | 2.3970% | 502 |
Net loans and leases to total assets | 78.4612% | 1,063 |
Net loans and leases to deposits | 90.5020% | 1,634 |
Net loans and leases to core deposits | 97.3811% | 1,865 |
Total domestic deposits to total assets | 86.6956% | 1,683 |
Equity capital to assets | 9.9835% | 4,034 |
Core capital (leverage) ratio | 9.9060% | 3,732 |
Tier 1 risk-based capital ratio | 12.5503% | 4,114 |
Total risk-based capital ratio | 13.7958% | 3,992 |
Memoranda: | ||
Average total assets | $278,444,250 | 2,298 |
Average earning assets | $267,951,500 | 2,239 |
Average equity | $27,022,250 | 2,574 |
Average total loans | $218,583,250 | 2,051 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9611% | 1,583 |
Cost of funding earning assets | 1.0991% | 1,309 |
Net interest margin | 3.8620% | 2,361 |
Noninterest income to average assets | 0.2975% | 3,951 |
Noninterest expense to average assets | 2.4747% | 3,560 |
Loan and lease loss provision to assets | 0.0530% | 2,760 |
Net operating income to assets | 1.4866% | 1,185 |
Return on assets (ROA) | 1.4866% | 1,233 |
Pretax return on assets | 1.4866% | 1,903 |
Return on Equity (ROE) | 15.4719% | 673 |
Retained earnings to average equity (ytd only) | 10.1863% | 705 |
Net charge-offs to loans | 0.0037% | 3,027 |
Credit loss provision to net charge-offs | 1,825.0000% | 208 |
Earnings coverage of net charge-offs (x) | 530.5000% | 142 |
Efficiency ratio | 61.4495% | 3,515 |
Assets per employee ($millions) | 5.6096% | 1,862 |
Cash dividends to net income (ytd only)* | 34.1630% | 2,455 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2737% | 2,122 |
Loan loss allowance to noncurrent loans | 167.6133% | 2,452 |
Noncurrent assets plus other real estate owned to assets | 0.6892% | 1,990 |
Noncurrent loans to loans | 0.7599% | 2,080 |
Net loans and leases to total assets | 76.6591% | 1,440 |
Net loans and leases to deposits | 89.2270% | 1,830 |
Net loans and leases to core deposits | 95.9871% | 2,071 |
Total domestic deposits to total assets | 85.9148% | 2,079 |
Equity capital to assets | 9.7444% | 4,197 |
Core capital (leverage) ratio | 9.8681% | 3,741 |
Tier 1 risk-based capital ratio | 12.4986% | 4,127 |
Total risk-based capital ratio | 13.7490% | 4,016 |
Memoranda: | ||
Average total assets | $275,671,670 | 2,320 |
Average earning assets | $265,305,000 | 2,270 |
Average equity | $26,486,670 | 2,601 |
Average total loans | $215,516,670 | 2,077 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8788% | 1,659 |
Cost of funding earning assets | 1.0644% | 1,314 |
Net interest margin | 3.8144% | 2,471 |
Noninterest income to average assets | 0.3074% | 3,819 |
Noninterest expense to average assets | 2.4620% | 3,602 |
Loan and lease loss provision to assets | 0.0951% | 1,837 |
Net operating income to assets | 1.4169% | 1,331 |
Return on assets (ROA) | 1.4169% | 1,360 |
Pretax return on assets | 1.4169% | 2,024 |
Return on Equity (ROE) | 14.8555% | 779 |
Retained earnings to average equity (ytd only) | 9.4842% | 1,169 |
Net charge-offs to loans | -0.0112% | 4,265 |
Credit loss provision to net charge-offs | -1,083.3333% | 3,946 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.7680% | 3,573 |
Assets per employee ($millions) | 5.6663% | 1,825 |
Cash dividends to net income (ytd only)* | 36.1570% | 2,038 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3005% | 2,090 |
Loan loss allowance to noncurrent loans | 173.5000% | 2,415 |
Noncurrent assets plus other real estate owned to assets | 0.6449% | 2,157 |
Noncurrent loans to loans | 0.7495% | 2,156 |
Net loans and leases to total assets | 74.3649% | 1,737 |
Net loans and leases to deposits | 86.9853% | 2,002 |
Net loans and leases to core deposits | 93.7616% | 2,149 |
Total domestic deposits to total assets | 85.4914% | 2,488 |
Equity capital to assets | 9.3444% | 4,393 |
Core capital (leverage) ratio | 9.6774% | 3,943 |
Tier 1 risk-based capital ratio | 12.4447% | 4,208 |
Total risk-based capital ratio | 13.6954% | 4,068 |
Memoranda: | ||
Average total assets | $273,268,500 | 2,357 |
Average earning assets | $262,686,000 | 2,298 |
Average equity | $26,064,500 | 2,635 |
Average total loans | $214,382,000 | 2,100 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1658% | 743 |
Cost of funding earning assets | 0.7445% | 1,824 |
Net interest margin | 4.4213% | 892 |
Noninterest income to average assets | 0.3357% | 3,870 |
Noninterest expense to average assets | 2.5947% | 3,352 |
Loan and lease loss provision to assets | 0.1340% | 1,617 |
Net operating income to assets | 1.8566% | 497 |
Return on assets (ROA) | 1.8566% | 493 |
Pretax return on assets | 1.8566% | 801 |
Return on Equity (ROE) | 19.1925% | 301 |
Retained earnings to average equity (ytd only) | 12.6572% | 268 |
Net charge-offs to loans | 0.0036% | 3,605 |
Credit loss provision to net charge-offs | 4,500.0000% | 111 |
Earnings coverage of net charge-offs (x) | 668.4286% | 165 |
Efficiency ratio | 56.5411% | 4,338 |
Assets per employee ($millions) | 5.2644% | 2,190 |
Cash dividends to net income (ytd only)* | 34.0513% | 2,844 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2564% | 2,265 |
Loan loss allowance to noncurrent loans | 812.3123% | 733 |
Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,681 |
Noncurrent loans to loans | 0.1547% | 4,046 |
Net loans and leases to total assets | 80.7668% | 829 |
Net loans and leases to deposits | 97.5744% | 937 |
Net loans and leases to core deposits | 108.0967% | 1,110 |
Total domestic deposits to total assets | 82.7746% | 3,402 |
Equity capital to assets | 9.7465% | 3,910 |
Core capital (leverage) ratio | 9.8489% | 3,747 |
Tier 1 risk-based capital ratio | 12.2586% | 4,258 |
Total risk-based capital ratio | 13.5092% | 4,152 |
Memoranda: | ||
Average total assets | $235,057,400 | 2,575 |
Average earning assets | $225,927,400 | 2,515 |
Average equity | $22,738,000 | 2,847 |
Average total loans | $194,501,400 | 2,214 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1175% | 730 |
Cost of funding earning assets | 0.6793% | 1,977 |
Net interest margin | 4.4382% | 829 |
Noninterest income to average assets | 0.3427% | 3,854 |
Noninterest expense to average assets | 2.5600% | 3,413 |
Loan and lease loss provision to assets | 0.0936% | 2,106 |
Net operating income to assets | 1.9600% | 423 |
Return on assets (ROA) | 1.9600% | 418 |
Pretax return on assets | 1.9600% | 699 |
Return on Equity (ROE) | 20.3066% | 255 |
Retained earnings to average equity (ytd only) | 13.4246% | 311 |
Net charge-offs to loans | 0.0099% | 3,072 |
Credit loss provision to net charge-offs | 1,142.8571% | 363 |
Earnings coverage of net charge-offs (x) | 250.8061% | 369 |
Efficiency ratio | 55.4880% | 4,446 |
Assets per employee ($millions) | 5.2499% | 2,169 |
Cash dividends to net income (ytd only)* | 33.8903% | 2,363 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2072% | 2,586 |
Loan loss allowance to noncurrent loans | 772.9483% | 741 |
Noncurrent assets plus other real estate owned to assets | 0.2505% | 3,706 |
Noncurrent loans to loans | 0.1562% | 4,176 |
Net loans and leases to total assets | 84.3427% | 417 |
Net loans and leases to deposits | 99.6710% | 816 |
Net loans and leases to core deposits | 110.6378% | 994 |
Total domestic deposits to total assets | 84.6211% | 2,753 |
Equity capital to assets | 9.3865% | 4,194 |
Core capital (leverage) ratio | 9.3875% | 4,293 |
Tier 1 risk-based capital ratio | 11.7265% | 4,647 |
Total risk-based capital ratio | 12.9768% | 4,539 |
Memoranda: | ||
Average total assets | $228,016,250 | 2,642 |
Average earning assets | $219,424,500 | 2,581 |
Average equity | $22,008,750 | 2,918 |
Average total loans | $189,301,500 | 2,260 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9690% | 875 |
Cost of funding earning assets | 0.6654% | 1,837 |
Net interest margin | 4.3036% | 1,026 |
Noninterest income to average assets | 0.3310% | 3,971 |
Noninterest expense to average assets | 2.6072% | 3,306 |
Loan and lease loss provision to assets | 0.1109% | 1,777 |
Net operating income to assets | 1.7540% | 646 |
Return on assets (ROA) | 1.7540% | 649 |
Pretax return on assets | 1.7540% | 1,088 |
Return on Equity (ROE) | 17.9887% | 418 |
Retained earnings to average equity (ytd only) | 10.7192% | 728 |
Net charge-offs to loans | 0.0099% | 2,786 |
Credit loss provision to net charge-offs | 1,366.6667% | 307 |
Earnings coverage of net charge-offs (x) | 229.7778% | 387 |
Efficiency ratio | 58.2980% | 4,185 |
Assets per employee ($millions) | 4.9364% | 2,498 |
Cash dividends to net income (ytd only)* | 40.4113% | 2,103 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2427% | 2,474 |
Loan loss allowance to noncurrent loans | 749.5522% | 782 |
Noncurrent assets plus other real estate owned to assets | 0.3386% | 3,396 |
Noncurrent loans to loans | 0.1658% | 4,165 |
Net loans and leases to total assets | 82.4985% | 652 |
Net loans and leases to deposits | 94.4508% | 1,305 |
Net loans and leases to core deposits | 105.0490% | 1,309 |
Total domestic deposits to total assets | 87.3455% | 1,707 |
Equity capital to assets | 9.1665% | 4,417 |
Core capital (leverage) ratio | 9.7777% | 3,810 |
Tier 1 risk-based capital ratio | 11.6035% | 4,741 |
Total risk-based capital ratio | 12.8539% | 4,617 |
Memoranda: | ||
Average total assets | $221,772,670 | 2,715 |
Average earning assets | $213,402,000 | 2,640 |
Average equity | $21,624,670 | 2,959 |
Average total loans | $182,183,330 | 2,333 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9451% | 789 |
Cost of funding earning assets | 0.6607% | 1,655 |
Net interest margin | 4.2844% | 973 |
Noninterest income to average assets | 0.3457% | 3,830 |
Noninterest expense to average assets | 2.6753% | 3,113 |
Loan and lease loss provision to assets | 0.0661% | 2,449 |
Net operating income to assets | 1.7212% | 660 |
Return on assets (ROA) | 1.7212% | 669 |
Pretax return on assets | 1.7212% | 1,065 |
Return on Equity (ROE) | 17.0671% | 504 |
Retained earnings to average equity (ytd only) | 7.9622% | 1,853 |
Net charge-offs to loans | -0.0557% | 5,017 |
Credit loss provision to net charge-offs | -145.8333% | 3,752 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.9492% | 4,072 |
Assets per employee ($millions) | 4.4427% | 3,259 |
Cash dividends to net income (ytd only)* | 53.3480% | 1,439 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3808% | 1,913 |
Loan loss allowance to noncurrent loans | 507.4380% | 1,088 |
Noncurrent assets plus other real estate owned to assets | 0.4203% | 3,152 |
Noncurrent loans to loans | 0.2721% | 3,794 |
Net loans and leases to total assets | 80.5800% | 858 |
Net loans and leases to deposits | 94.5114% | 1,185 |
Net loans and leases to core deposits | 106.6955% | 1,194 |
Total domestic deposits to total assets | 85.2595% | 2,834 |
Equity capital to assets | 9.8657% | 3,737 |
Core capital (leverage) ratio | 10.2869% | 3,200 |
Tier 1 risk-based capital ratio | 12.7192% | 4,103 |
Total risk-based capital ratio | 13.9708% | 4,001 |
Memoranda: | ||
Average total assets | $211,718,000 | 2,828 |
Average earning assets | $203,434,000 | 2,756 |
Average equity | $21,351,000 | 3,007 |
Average total loans | $172,245,000 | 2,445 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7869% | 1,002 |
Cost of funding earning assets | 0.6964% | 1,044 |
Net interest margin | 4.0905% | 1,477 |
Noninterest income to average assets | 0.3683% | 3,836 |
Noninterest expense to average assets | 2.5807% | 3,505 |
Loan and lease loss provision to assets | 0.1262% | 1,813 |
Net operating income to assets | 1.5788% | 679 |
Return on assets (ROA) | 1.5749% | 699 |
Pretax return on assets | 1.5749% | 1,364 |
Return on Equity (ROE) | 15.7913% | 504 |
Retained earnings to average equity (ytd only) | 9.8825% | 368 |
Net charge-offs to loans | 0.0915% | 2,171 |
Credit loss provision to net charge-offs | 172.4832% | 1,570 |
Earnings coverage of net charge-offs (x) | 23.3020% | 1,812 |
Efficiency ratio | 60.2154% | 4,231 |
Assets per employee ($millions) | 4.2863% | 3,509 |
Cash dividends to net income (ytd only)* | 37.4181% | 2,974 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4386% | 1,621 |
Loan loss allowance to noncurrent loans | 322.1774% | 1,582 |
Noncurrent assets plus other real estate owned to assets | 0.3908% | 3,296 |
Noncurrent loans to loans | 0.4465% | 3,179 |
Net loans and leases to total assets | 79.8180% | 986 |
Net loans and leases to deposits | 93.1755% | 1,369 |
Net loans and leases to core deposits | 105.0322% | 1,340 |
Total domestic deposits to total assets | 85.6642% | 2,591 |
Equity capital to assets | 10.3163% | 3,373 |
Core capital (leverage) ratio | 10.0501% | 3,392 |
Tier 1 risk-based capital ratio | 13.4404% | 3,663 |
Total risk-based capital ratio | 14.6939% | 3,569 |
Memoranda: | ||
Average total assets | $203,630,400 | 2,893 |
Average earning assets | $195,011,200 | 2,813 |
Average equity | $20,308,600 | 3,110 |
Average total loans | $162,873,400 | 2,513 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7532% | 1,017 |
Cost of funding earning assets | 0.6873% | 1,026 |
Net interest margin | 4.0660% | 1,496 |
Noninterest income to average assets | 0.3611% | 3,949 |
Noninterest expense to average assets | 2.5031% | 3,722 |
Loan and lease loss provision to assets | 0.1333% | 1,629 |
Net operating income to assets | 1.6162% | 686 |
Return on assets (ROA) | 1.6110% | 711 |
Pretax return on assets | 1.6110% | 1,374 |
Return on Equity (ROE) | 16.2948% | 493 |
Retained earnings to average equity (ytd only) | 10.3187% | 523 |
Net charge-offs to loans | 0.0156% | 3,210 |
Credit loss provision to net charge-offs | 1,068.4211% | 338 |
Earnings coverage of net charge-offs (x) | 140.2779% | 565 |
Efficiency ratio | 58.8608% | 4,378 |
Assets per employee ($millions) | 4.4160% | 3,288 |
Cash dividends to net income (ytd only)* | 36.6748% | 2,437 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5151% | 1,479 |
Loan loss allowance to noncurrent loans | 368.5544% | 1,361 |
Noncurrent assets plus other real estate owned to assets | 0.3449% | 3,660 |
Noncurrent loans to loans | 0.4111% | 3,472 |
Net loans and leases to total assets | 75.8367% | 1,616 |
Net loans and leases to deposits | 89.8121% | 1,830 |
Net loans and leases to core deposits | 101.5971% | 1,574 |
Total domestic deposits to total assets | 84.4393% | 2,944 |
Equity capital to assets | 9.8816% | 4,047 |
Core capital (leverage) ratio | 9.9220% | 3,666 |
Tier 1 risk-based capital ratio | 14.4777% | 3,198 |
Total risk-based capital ratio | 15.7336% | 3,106 |
Memoranda: | ||
Average total assets | $203,102,250 | 2,921 |
Average earning assets | $194,389,750 | 2,846 |
Average equity | $20,079,500 | 3,157 |
Average total loans | $161,937,500 | 2,535 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7471% | 971 |
Cost of funding earning assets | 0.6737% | 1,027 |
Net interest margin | 4.0734% | 1,395 |
Noninterest income to average assets | 0.3667% | 3,932 |
Noninterest expense to average assets | 2.4942% | 3,771 |
Loan and lease loss provision to assets | 0.1699% | 1,152 |
Net operating income to assets | 1.5998% | 711 |
Return on assets (ROA) | 1.5958% | 735 |
Pretax return on assets | 1.5958% | 1,361 |
Return on Equity (ROE) | 16.1389% | 510 |
Retained earnings to average equity (ytd only) | 10.0755% | 572 |
Net charge-offs to loans | 0.0235% | 2,754 |
Credit loss provision to net charge-offs | 894.7368% | 417 |
Earnings coverage of net charge-offs (x) | 93.2105% | 686 |
Efficiency ratio | 58.4954% | 4,530 |
Assets per employee ($millions) | 4.4872% | 3,127 |
Cash dividends to net income (ytd only)* | 37.5704% | 2,438 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4723% | 1,675 |
Loan loss allowance to noncurrent loans | 354.1364% | 1,374 |
Noncurrent assets plus other real estate owned to assets | 0.4066% | 3,483 |
Noncurrent loans to loans | 0.4158% | 3,530 |
Net loans and leases to total assets | 80.8639% | 827 |
Net loans and leases to deposits | 97.5237% | 937 |
Net loans and leases to core deposits | 110.8409% | 963 |
Total domestic deposits to total assets | 82.9172% | 3,594 |
Equity capital to assets | 10.1069% | 3,787 |
Core capital (leverage) ratio | 10.0467% | 3,483 |
Tier 1 risk-based capital ratio | 12.6226% | 4,227 |
Total risk-based capital ratio | 13.8760% | 4,141 |
Memoranda: | ||
Average total assets | $200,146,330 | 2,968 |
Average earning assets | $191,484,330 | 2,893 |
Average equity | $19,790,670 | 3,180 |
Average total loans | $161,508,670 | 2,536 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6315% | 1,064 |
Cost of funding earning assets | 0.6469% | 1,090 |
Net interest margin | 3.9845% | 1,509 |
Noninterest income to average assets | 0.3975% | 3,678 |
Noninterest expense to average assets | 2.4772% | 3,887 |
Loan and lease loss provision to assets | 0.1285% | 1,497 |
Net operating income to assets | 1.5999% | 678 |
Return on assets (ROA) | 1.5999% | 695 |
Pretax return on assets | 1.5999% | 1,238 |
Return on Equity (ROE) | 16.3638% | 482 |
Retained earnings to average equity (ytd only) | 10.2043% | 765 |
Net charge-offs to loans | 0.0502% | 1,859 |
Credit loss provision to net charge-offs | 320.0000% | 756 |
Earnings coverage of net charge-offs (x) | 43.0500% | 983 |
Efficiency ratio | 58.9021% | 4,604 |
Assets per employee ($millions) | 4.5366% | 3,108 |
Cash dividends to net income (ytd only)* | 37.6412% | 2,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4386% | 1,911 |
Loan loss allowance to noncurrent loans | 276.4218% | 1,723 |
Noncurrent assets plus other real estate owned to assets | 0.4761% | 3,313 |
Noncurrent loans to loans | 0.5204% | 3,257 |
Net loans and leases to total assets | 78.2963% | 1,088 |
Net loans and leases to deposits | 92.2368% | 1,306 |
Net loans and leases to core deposits | 103.2192% | 1,276 |
Total domestic deposits to total assets | 84.8862% | 3,130 |
Equity capital to assets | 9.6887% | 4,080 |
Core capital (leverage) ratio | 10.2042% | 3,234 |
Tier 1 risk-based capital ratio | 12.6393% | 4,299 |
Total risk-based capital ratio | 13.8920% | 4,204 |
Memoranda: | ||
Average total assets | $199,258,500 | 3,003 |
Average earning assets | $190,436,500 | 2,927 |
Average equity | $19,482,000 | 3,226 |
Average total loans | $159,402,000 | 2,585 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8299% | 837 |
Cost of funding earning assets | 0.6967% | 819 |
Net interest margin | 4.1332% | 1,296 |
Noninterest income to average assets | 0.4322% | 3,664 |
Noninterest expense to average assets | 2.8629% | 2,800 |
Loan and lease loss provision to assets | 0.1953% | 1,192 |
Net operating income to assets | 1.2911% | 1,232 |
Return on assets (ROA) | 1.2944% | 1,299 |
Pretax return on assets | 1.2944% | 2,301 |
Return on Equity (ROE) | 12.3845% | 1,148 |
Retained earnings to average equity (ytd only) | 6.0144% | 1,695 |
Net charge-offs to loans | -0.0158% | 5,064 |
Credit loss provision to net charge-offs | -1,600.0000% | 5,357 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.8247% | 3,618 |
Assets per employee ($millions) | 4.2255% | 3,576 |
Cash dividends to net income (ytd only)* | 51.4359% | 2,223 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4614% | 1,833 |
Loan loss allowance to noncurrent loans | 305.6075% | 1,618 |
Noncurrent assets plus other real estate owned to assets | 0.4481% | 3,471 |
Noncurrent loans to loans | 0.4782% | 3,435 |
Net loans and leases to total assets | 79.4065% | 977 |
Net loans and leases to deposits | 94.1501% | 1,183 |
Net loans and leases to core deposits | 106.6265% | 1,091 |
Total domestic deposits to total assets | 84.3403% | 3,295 |
Equity capital to assets | 9.8702% | 3,858 |
Core capital (leverage) ratio | 10.5649% | 2,817 |
Tier 1 risk-based capital ratio | 12.7227% | 4,264 |
Total risk-based capital ratio | 13.9761% | 4,145 |
Memoranda: | ||
Average total assets | $180,238,600 | 3,161 |
Average earning assets | $170,811,000 | 3,103 |
Average equity | $18,838,000 | 3,292 |
Average total loans | $138,891,000 | 2,794 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8140% | 871 |
Cost of funding earning assets | 0.7123% | 767 |
Net interest margin | 4.1016% | 1,382 |
Noninterest income to average assets | 0.3531% | 4,260 |
Noninterest expense to average assets | 2.8174% | 2,946 |
Loan and lease loss provision to assets | 0.1147% | 2,017 |
Net operating income to assets | 1.3008% | 1,293 |
Return on assets (ROA) | 1.3053% | 1,365 |
Pretax return on assets | 1.3053% | 2,407 |
Return on Equity (ROE) | 12.3011% | 1,232 |
Retained earnings to average equity (ytd only) | 5.9017% | 2,238 |
Net charge-offs to loans | -0.0387% | 5,276 |
Credit loss provision to net charge-offs | -389.7436% | 5,008 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.5597% | 3,493 |
Assets per employee ($millions) | 3.7604% | 4,377 |
Cash dividends to net income (ytd only)* | 52.0231% | 1,781 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4907% | 1,791 |
Loan loss allowance to noncurrent loans | 240.9611% | 1,950 |
Noncurrent assets plus other real estate owned to assets | 1.0655% | 1,930 |
Noncurrent loans to loans | 0.6187% | 3,162 |
Net loans and leases to total assets | 80.4552% | 821 |
Net loans and leases to deposits | 93.1675% | 1,351 |
Net loans and leases to core deposits | 105.8207% | 1,201 |
Total domestic deposits to total assets | 86.3554% | 2,190 |
Equity capital to assets | 11.1431% | 2,871 |
Core capital (leverage) ratio | 10.6283% | 2,848 |
Tier 1 risk-based capital ratio | 13.9029% | 3,609 |
Total risk-based capital ratio | 15.1566% | 3,535 |
Memoranda: | ||
Average total assets | $176,705,250 | 3,218 |
Average earning assets | $167,149,000 | 3,164 |
Average equity | $18,751,250 | 3,332 |
Average total loans | $134,455,500 | 2,859 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7112% | 1,030 |
Cost of funding earning assets | 0.7056% | 777 |
Net interest margin | 4.0056% | 1,624 |
Noninterest income to average assets | 0.3383% | 4,356 |
Noninterest expense to average assets | 2.7885% | 3,063 |
Loan and lease loss provision to assets | 0.1124% | 1,999 |
Net operating income to assets | 1.2273% | 1,510 |
Return on assets (ROA) | 1.2341% | 1,582 |
Pretax return on assets | 1.2341% | 2,653 |
Return on Equity (ROE) | 11.8213% | 1,381 |
Retained earnings to average equity (ytd only) | 5.3616% | 2,509 |
Net charge-offs to loans | -0.0696% | 5,500 |
Credit loss provision to net charge-offs | -217.3913% | 4,739 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.5470% | 3,439 |
Assets per employee ($millions) | 4.0295% | 3,850 |
Cash dividends to net income (ytd only)* | 54.6448% | 1,754 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5198% | 1,788 |
Loan loss allowance to noncurrent loans | 215.8115% | 2,133 |
Noncurrent assets plus other real estate owned to assets | 1.0660% | 1,996 |
Noncurrent loans to loans | 0.7042% | 2,963 |
Net loans and leases to total assets | 72.0510% | 2,163 |
Net loans and leases to deposits | 82.4681% | 2,650 |
Net loans and leases to core deposits | 91.6448% | 2,373 |
Total domestic deposits to total assets | 87.3683% | 1,728 |
Equity capital to assets | 10.2132% | 3,957 |
Core capital (leverage) ratio | 10.4504% | 3,022 |
Tier 1 risk-based capital ratio | 13.7194% | 3,759 |
Total risk-based capital ratio | 14.9727% | 3,687 |
Memoranda: | ||
Average total assets | $177,948,000 | 3,212 |
Average earning assets | $168,365,670 | 3,164 |
Average equity | $18,576,670 | 3,362 |
Average total loans | $132,182,330 | 2,899 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8260% | 805 |
Cost of funding earning assets | 0.7210% | 727 |
Net interest margin | 4.1050% | 1,331 |
Noninterest income to average assets | 0.3535% | 4,200 |
Noninterest expense to average assets | 2.7915% | 3,100 |
Loan and lease loss provision to assets | 0.2204% | 868 |
Net operating income to assets | 1.2236% | 1,480 |
Return on assets (ROA) | 1.2213% | 1,594 |
Pretax return on assets | 1.2213% | 2,613 |
Return on Equity (ROE) | 11.5655% | 1,435 |
Retained earnings to average equity (ytd only) | 5.0436% | 2,912 |
Net charge-offs to loans | -0.0184% | 4,814 |
Credit loss provision to net charge-offs | -1,600.0000% | 4,843 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.9079% | 3,822 |
Assets per employee ($millions) | 3.7234% | 4,428 |
Cash dividends to net income (ytd only)* | 56.3910% | 1,547 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5727% | 1,708 |
Loan loss allowance to noncurrent loans | 191.7300% | 2,297 |
Noncurrent assets plus other real estate owned to assets | 1.1349% | 1,949 |
Noncurrent loans to loans | 0.8202% | 2,788 |
Net loans and leases to total assets | 72.1358% | 2,015 |
Net loans and leases to deposits | 83.2292% | 2,398 |
Net loans and leases to core deposits | 93.1102% | 2,077 |
Total domestic deposits to total assets | 86.6714% | 2,373 |
Equity capital to assets | 10.6155% | 3,349 |
Core capital (leverage) ratio | 10.5156% | 2,944 |
Tier 1 risk-based capital ratio | 14.5601% | 3,364 |
Total risk-based capital ratio | 15.8143% | 3,300 |
Memoranda: | ||
Average total assets | $174,242,500 | 3,275 |
Average earning assets | $164,774,000 | 3,218 |
Average equity | $18,399,500 | 3,384 |
Average total loans | $130,466,500 | 2,928 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9879% | 640 |
Cost of funding earning assets | 0.6985% | 828 |
Net interest margin | 4.2894% | 979 |
Noninterest income to average assets | 0.3733% | 4,239 |
Noninterest expense to average assets | 2.9120% | 2,815 |
Loan and lease loss provision to assets | 0.2982% | 581 |
Net operating income to assets | 1.2140% | 1,504 |
Return on assets (ROA) | 1.2182% | 1,557 |
Pretax return on assets | 1.2182% | 2,598 |
Return on Equity (ROE) | 11.6332% | 1,396 |
Retained earnings to average equity (ytd only) | 4.8533% | 2,523 |
Net charge-offs to loans | 0.1176% | 2,196 |
Credit loss provision to net charge-offs | 327.2727% | 919 |
Earnings coverage of net charge-offs (x) | 16.5974% | 2,118 |
Efficiency ratio | 65.8197% | 3,932 |
Assets per employee ($millions) | 3.7714% | 4,342 |
Cash dividends to net income (ytd only)* | 58.2807% | 1,831 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4433% | 2,236 |
Loan loss allowance to noncurrent loans | 124.7557% | 3,172 |
Noncurrent assets plus other real estate owned to assets | 1.3338% | 1,586 |
Noncurrent loans to loans | 1.1569% | 2,039 |
Net loans and leases to total assets | 75.3744% | 1,514 |
Net loans and leases to deposits | 86.8610% | 2,020 |
Net loans and leases to core deposits | 96.7533% | 1,771 |
Total domestic deposits to total assets | 86.7759% | 2,243 |
Equity capital to assets | 10.5034% | 3,354 |
Core capital (leverage) ratio | 10.2212% | 3,239 |
Tier 1 risk-based capital ratio | 14.2252% | 3,594 |
Total risk-based capital ratio | 15.4780% | 3,502 |
Memoranda: | ||
Average total assets | $169,024,000 | 3,319 |
Average earning assets | $159,625,400 | 3,258 |
Average equity | $17,699,400 | 3,426 |
Average total loans | $130,925,400 | 2,874 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9764% | 656 |
Cost of funding earning assets | 0.6933% | 868 |
Net interest margin | 4.2832% | 993 |
Noninterest income to average assets | 0.3867% | 4,176 |
Noninterest expense to average assets | 2.9364% | 2,720 |
Loan and lease loss provision to assets | 0.2946% | 507 |
Net operating income to assets | 1.1982% | 1,658 |
Return on assets (ROA) | 1.2062% | 1,701 |
Pretax return on assets | 1.2062% | 2,798 |
Return on Equity (ROE) | 11.5277% | 1,515 |
Retained earnings to average equity (ytd only) | 4.6976% | 3,129 |
Net charge-offs to loans | -0.0112% | 5,030 |
Credit loss provision to net charge-offs | -3,372.7273% | 5,662 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.2962% | 3,840 |
Assets per employee ($millions) | 3.9302% | 4,023 |
Cash dividends to net income (ytd only)* | 59.2496% | 1,460 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4047% | 2,575 |
Loan loss allowance to noncurrent loans | 117.2185% | 3,327 |
Noncurrent assets plus other real estate owned to assets | 1.2163% | 1,942 |
Noncurrent loans to loans | 1.1983% | 2,131 |
Net loans and leases to total assets | 75.5923% | 1,445 |
Net loans and leases to deposits | 86.5233% | 2,089 |
Net loans and leases to core deposits | 96.1433% | 1,863 |
Total domestic deposits to total assets | 87.3663% | 1,862 |
Equity capital to assets | 9.9465% | 4,228 |
Core capital (leverage) ratio | 10.6028% | 2,923 |
Tier 1 risk-based capital ratio | 13.3078% | 4,247 |
Total risk-based capital ratio | 14.5603% | 4,177 |
Memoranda: | ||
Average total assets | $167,908,500 | 3,367 |
Average earning assets | $158,476,250 | 3,301 |
Average equity | $17,568,750 | 3,470 |
Average total loans | $130,487,000 | 2,900 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0144% | 579 |
Cost of funding earning assets | 0.6896% | 886 |
Net interest margin | 4.3248% | 875 |
Noninterest income to average assets | 0.3936% | 4,127 |
Noninterest expense to average assets | 3.0755% | 2,319 |
Loan and lease loss provision to assets | 0.2701% | 609 |
Net operating income to assets | 1.1185% | 1,880 |
Return on assets (ROA) | 1.1014% | 2,038 |
Pretax return on assets | 1.1014% | 3,168 |
Return on Equity (ROE) | 10.3379% | 1,919 |
Retained earnings to average equity (ytd only) | 3.4536% | 3,849 |
Net charge-offs to loans | -0.0031% | 4,651 |
Credit loss provision to net charge-offs | -11,050.0000% | 5,634 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.8938% | 3,513 |
Assets per employee ($millions) | 3.4395% | 4,919 |
Cash dividends to net income (ytd only)* | 66.5927% | 1,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3241% | 3,117 |
Loan loss allowance to noncurrent loans | 154.0517% | 2,744 |
Noncurrent assets plus other real estate owned to assets | 0.9806% | 2,565 |
Noncurrent loans to loans | 0.8595% | 2,978 |
Net loans and leases to total assets | 80.6629% | 717 |
Net loans and leases to deposits | 93.5854% | 1,191 |
Net loans and leases to core deposits | 102.8498% | 1,274 |
Total domestic deposits to total assets | 86.1918% | 2,586 |
Equity capital to assets | 10.6289% | 3,289 |
Core capital (leverage) ratio | 10.8745% | 2,541 |
Tier 1 risk-based capital ratio | 13.9974% | 3,923 |
Total risk-based capital ratio | 15.2494% | 3,860 |
Memoranda: | ||
Average total assets | $163,615,670 | 3,439 |
Average earning assets | $153,995,670 | 3,389 |
Average equity | $17,431,000 | 3,509 |
Average total loans | $127,780,000 | 2,953 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8339% | 797 |
Cost of funding earning assets | 0.6913% | 887 |
Net interest margin | 4.1426% | 1,178 |
Noninterest income to average assets | 0.3954% | 4,042 |
Noninterest expense to average assets | 3.1509% | 2,129 |
Loan and lease loss provision to assets | 0.2259% | 775 |
Net operating income to assets | 0.9038% | 2,727 |
Return on assets (ROA) | 0.9111% | 2,817 |
Pretax return on assets | 0.9111% | 3,846 |
Return on Equity (ROE) | 8.5422% | 2,680 |
Retained earnings to average equity (ytd only) | 1.6348% | 4,821 |
Net charge-offs to loans | -0.0580% | 5,594 |
Credit loss provision to net charge-offs | -511.1111% | 4,837 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.6087% | 2,878 |
Assets per employee ($millions) | 3.2834% | 5,267 |
Cash dividends to net income (ytd only)* | 80.8625% | 963 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3768% | 3,037 |
Loan loss allowance to noncurrent loans | 101.8237% | 3,646 |
Noncurrent assets plus other real estate owned to assets | 1.0529% | 2,513 |
Noncurrent loans to loans | 1.3522% | 2,125 |
Net loans and leases to total assets | 74.5750% | 1,417 |
Net loans and leases to deposits | 84.8959% | 1,966 |
Net loans and leases to core deposits | 92.5614% | 1,900 |
Total domestic deposits to total assets | 87.8429% | 1,907 |
Equity capital to assets | 10.8556% | 3,133 |
Core capital (leverage) ratio | 10.6751% | 2,772 |
Tier 1 risk-based capital ratio | 15.3657% | 3,218 |
Total risk-based capital ratio | 16.6182% | 3,147 |
Memoranda: | ||
Average total assets | $162,875,000 | 3,469 |
Average earning assets | $152,753,000 | 3,422 |
Average equity | $17,372,500 | 3,541 |
Average total loans | $124,190,500 | 3,010 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2931% | 450 |
Cost of funding earning assets | 0.7433% | 876 |
Net interest margin | 4.5498% | 677 |
Noninterest income to average assets | 0.3785% | 4,358 |
Noninterest expense to average assets | 3.2231% | 2,150 |
Loan and lease loss provision to assets | 0.2488% | 921 |
Net operating income to assets | 1.1533% | 1,758 |
Return on assets (ROA) | 1.1533% | 1,828 |
Pretax return on assets | 1.1533% | 2,860 |
Return on Equity (ROE) | 10.8978% | 1,751 |
Retained earnings to average equity (ytd only) | 4.3184% | 3,118 |
Net charge-offs to loans | 0.2435% | 1,749 |
Credit loss provision to net charge-offs | 130.1325% | 1,832 |
Earnings coverage of net charge-offs (x) | 7.3344% | 3,050 |
Efficiency ratio | 69.6866% | 3,586 |
Assets per employee ($millions) | 3.3646% | 5,138 |
Cash dividends to net income (ytd only)* | 60.3732% | 1,721 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2349% | 3,794 |
Loan loss allowance to noncurrent loans | 102.0874% | 3,666 |
Noncurrent assets plus other real estate owned to assets | 0.9547% | 2,843 |
Noncurrent loans to loans | 1.2097% | 2,428 |
Net loans and leases to total assets | 75.9173% | 1,281 |
Net loans and leases to deposits | 86.1510% | 1,961 |
Net loans and leases to core deposits | 92.7813% | 2,014 |
Total domestic deposits to total assets | 88.1212% | 1,706 |
Equity capital to assets | 10.4813% | 3,513 |
Core capital (leverage) ratio | 10.6799% | 2,740 |
Tier 1 risk-based capital ratio | 14.8150% | 3,592 |
Total risk-based capital ratio | 16.0662% | 3,524 |
Memoranda: | ||
Average total assets | $157,982,400 | 3,521 |
Average earning assets | $147,455,600 | 3,487 |
Average equity | $16,719,000 | 3,573 |
Average total loans | $124,012,200 | 2,972 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3475% | 413 |
Cost of funding earning assets | 0.7584% | 860 |
Net interest margin | 4.5891% | 631 |
Noninterest income to average assets | 0.3916% | 4,312 |
Noninterest expense to average assets | 3.2133% | 2,134 |
Loan and lease loss provision to assets | 0.2406% | 912 |
Net operating income to assets | 1.2176% | 1,617 |
Return on assets (ROA) | 1.2176% | 1,681 |
Pretax return on assets | 1.2176% | 2,711 |
Return on Equity (ROE) | 11.4763% | 1,632 |
Retained earnings to average equity (ytd only) | 5.0425% | 3,052 |
Net charge-offs to loans | 0.1362% | 2,434 |
Credit loss provision to net charge-offs | 223.8095% | 1,162 |
Earnings coverage of net charge-offs (x) | 13.5632% | 2,217 |
Efficiency ratio | 68.7854% | 3,712 |
Assets per employee ($millions) | 2.9809% | 5,746 |
Cash dividends to net income (ytd only)* | 56.0616% | 1,556 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2843% | 3,728 |
Loan loss allowance to noncurrent loans | 156.7308% | 2,634 |
Noncurrent assets plus other real estate owned to assets | 0.7038% | 3,709 |
Noncurrent loans to loans | 0.8194% | 3,528 |
Net loans and leases to total assets | 80.8293% | 631 |
Net loans and leases to deposits | 93.0743% | 1,119 |
Net loans and leases to core deposits | 100.4635% | 1,326 |
Total domestic deposits to total assets | 86.8438% | 2,398 |
Equity capital to assets | 11.0240% | 2,934 |
Core capital (leverage) ratio | 11.3396% | 2,184 |
Tier 1 risk-based capital ratio | 14.6793% | 3,769 |
Total risk-based capital ratio | 15.9310% | 3,711 |
Memoranda: | ||
Average total assets | $156,261,750 | 3,574 |
Average earning assets | $145,733,250 | 3,551 |
Average equity | $16,578,750 | 3,606 |
Average total loans | $123,333,750 | 3,003 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2208% | 487 |
Cost of funding earning assets | 0.7542% | 903 |
Net interest margin | 4.4665% | 758 |
Noninterest income to average assets | 0.3995% | 4,249 |
Noninterest expense to average assets | 3.1402% | 2,358 |
Loan and lease loss provision to assets | 0.2298% | 997 |
Net operating income to assets | 1.2025% | 1,582 |
Return on assets (ROA) | 1.2025% | 1,651 |
Pretax return on assets | 1.2025% | 2,658 |
Return on Equity (ROE) | 11.4815% | 1,578 |
Retained earnings to average equity (ytd only) | 5.3873% | 2,709 |
Net charge-offs to loans | 0.0229% | 3,747 |
Credit loss provision to net charge-offs | 1,285.7143% | 273 |
Earnings coverage of net charge-offs (x) | 80.1429% | 662 |
Efficiency ratio | 68.6767% | 3,884 |
Assets per employee ($millions) | 3.1463% | 5,517 |
Cash dividends to net income (ytd only)* | 53.0786% | 1,798 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3038% | 3,836 |
Loan loss allowance to noncurrent loans | 167.5179% | 2,480 |
Noncurrent assets plus other real estate owned to assets | 0.6401% | 4,060 |
Noncurrent loans to loans | 0.7783% | 3,751 |
Net loans and leases to total assets | 78.9139% | 803 |
Net loans and leases to deposits | 89.3875% | 1,428 |
Net loans and leases to core deposits | 96.1314% | 1,588 |
Total domestic deposits to total assets | 88.2829% | 1,747 |
Equity capital to assets | 10.6772% | 3,222 |
Core capital (leverage) ratio | 10.6071% | 2,817 |
Tier 1 risk-based capital ratio | 14.6270% | 3,851 |
Total risk-based capital ratio | 15.8793% | 3,801 |
Memoranda: | ||
Average total assets | $156,680,000 | 3,583 |
Average earning assets | $146,377,000 | 3,554 |
Average equity | $16,409,000 | 3,635 |
Average total loans | $122,138,000 | 3,025 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1625% | 520 |
Cost of funding earning assets | 0.7554% | 948 |
Net interest margin | 4.4071% | 795 |
Noninterest income to average assets | 0.4221% | 4,014 |
Noninterest expense to average assets | 3.2233% | 2,145 |
Loan and lease loss provision to assets | 0.2865% | 694 |
Net operating income to assets | 1.0463% | 2,022 |
Return on assets (ROA) | 1.0463% | 2,092 |
Pretax return on assets | 1.0463% | 3,149 |
Return on Equity (ROE) | 10.0894% | 2,003 |
Retained earnings to average equity (ytd only) | 5.1557% | 3,017 |
Net charge-offs to loans | 0.0366% | 2,876 |
Credit loss provision to net charge-offs | 1,018.1818% | 301 |
Earnings coverage of net charge-offs (x) | 47.3636% | 784 |
Efficiency ratio | 70.7468% | 3,693 |
Assets per employee ($millions) | 3.1347% | 5,624 |
Cash dividends to net income (ytd only)* | 48.8998% | 1,724 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3314% | 3,945 |
Loan loss allowance to noncurrent loans | 125.0993% | 3,053 |
Noncurrent assets plus other real estate owned to assets | 0.8100% | 3,716 |
Noncurrent loans to loans | 1.0643% | 3,296 |
Net loans and leases to total assets | 73.0121% | 1,425 |
Net loans and leases to deposits | 82.3268% | 2,015 |
Net loans and leases to core deposits | 88.3803% | 2,053 |
Total domestic deposits to total assets | 88.6857% | 1,842 |
Equity capital to assets | 10.2503% | 3,538 |
Core capital (leverage) ratio | 10.6476% | 2,765 |
Tier 1 risk-based capital ratio | 15.5527% | 3,409 |
Total risk-based capital ratio | 16.8052% | 3,375 |
Memoranda: | ||
Average total assets | $156,361,500 | 3,618 |
Average earning assets | $146,672,500 | 3,575 |
Average equity | $16,215,000 | 3,664 |
Average total loans | $120,314,500 | 3,068 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3216% | 506 |
Cost of funding earning assets | 0.8254% | 1,062 |
Net interest margin | 4.4962% | 745 |
Noninterest income to average assets | 0.3208% | 5,041 |
Noninterest expense to average assets | 3.0766% | 2,815 |
Loan and lease loss provision to assets | 0.2964% | 1,143 |
Net operating income to assets | 1.1657% | 1,698 |
Return on assets (ROA) | 1.1670% | 1,749 |
Pretax return on assets | 1.1670% | 2,701 |
Return on Equity (ROE) | 11.5388% | 1,580 |
Retained earnings to average equity (ytd only) | 8.7651% | 829 |
Net charge-offs to loans | 0.0906% | 3,940 |
Credit loss provision to net charge-offs | 419.6262% | 548 |
Earnings coverage of net charge-offs (x) | 20.7009% | 1,535 |
Efficiency ratio | 67.7865% | 4,240 |
Assets per employee ($millions) | 2.9972% | 5,840 |
Cash dividends to net income (ytd only)* | 24.0385% | 3,551 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2057% | 4,630 |
Loan loss allowance to noncurrent loans | 172.3131% | 2,360 |
Noncurrent assets plus other real estate owned to assets | 0.5966% | 4,448 |
Noncurrent loans to loans | 0.6997% | 4,230 |
Net loans and leases to total assets | 79.0658% | 707 |
Net loans and leases to deposits | 89.3370% | 1,307 |
Net loans and leases to core deposits | 96.9089% | 1,389 |
Total domestic deposits to total assets | 88.5028% | 1,907 |
Equity capital to assets | 10.4956% | 3,167 |
Core capital (leverage) ratio | 10.8766% | 2,500 |
Tier 1 risk-based capital ratio | 15.0526% | 3,637 |
Total risk-based capital ratio | 16.3038% | 3,579 |
Memoranda: | ||
Average total assets | $151,499,400 | 3,677 |
Average earning assets | $142,119,600 | 3,633 |
Average equity | $15,322,200 | 3,807 |
Average total loans | $118,139,600 | 3,073 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2621% | 566 |
Cost of funding earning assets | 0.8317% | 1,149 |
Net interest margin | 4.4304% | 841 |
Noninterest income to average assets | 0.3528% | 4,875 |
Noninterest expense to average assets | 3.1101% | 2,623 |
Loan and lease loss provision to assets | 0.3264% | 1,016 |
Net operating income to assets | 1.0699% | 2,118 |
Return on assets (ROA) | 1.0752% | 2,179 |
Pretax return on assets | 1.0752% | 3,209 |
Return on Equity (ROE) | 10.7337% | 1,912 |
Retained earnings to average equity (ytd only) | 6.9914% | 1,879 |
Net charge-offs to loans | 0.0660% | 3,972 |
Credit loss provision to net charge-offs | 637.9310% | 448 |
Earnings coverage of net charge-offs (x) | 27.2935% | 1,317 |
Efficiency ratio | 69.0155% | 3,913 |
Assets per employee ($millions) | 3.0406% | 5,782 |
Cash dividends to net income (ytd only)* | 34.8645% | 2,478 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1603% | 5,071 |
Loan loss allowance to noncurrent loans | 148.8660% | 2,558 |
Noncurrent assets plus other real estate owned to assets | 0.7689% | 4,184 |
Noncurrent loans to loans | 0.7794% | 4,287 |
Net loans and leases to total assets | 80.9099% | 459 |
Net loans and leases to deposits | 91.9102% | 987 |
Net loans and leases to core deposits | 98.4734% | 1,207 |
Total domestic deposits to total assets | 88.0315% | 2,114 |
Equity capital to assets | 10.2413% | 3,587 |
Core capital (leverage) ratio | 10.3928% | 3,113 |
Tier 1 risk-based capital ratio | 13.9832% | 4,445 |
Total risk-based capital ratio | 15.2334% | 4,392 |
Memoranda: | ||
Average total assets | $151,160,500 | 3,720 |
Average earning assets | $141,713,000 | 3,677 |
Average equity | $15,142,000 | 3,889 |
Average total loans | $117,091,750 | 3,121 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1810% | 658 |
Cost of funding earning assets | 0.8465% | 1,155 |
Net interest margin | 4.3345% | 969 |
Noninterest income to average assets | 0.3115% | 5,213 |
Noninterest expense to average assets | 3.0145% | 2,956 |
Loan and lease loss provision to assets | 0.2360% | 1,575 |
Net operating income to assets | 1.1202% | 1,865 |
Return on assets (ROA) | 1.1294% | 1,937 |
Pretax return on assets | 1.1294% | 2,979 |
Return on Equity (ROE) | 11.3605% | 1,700 |
Retained earnings to average equity (ytd only) | 5.6936% | 2,616 |
Net charge-offs to loans | 0.0803% | 3,571 |
Credit loss provision to net charge-offs | 386.9565% | 677 |
Earnings coverage of net charge-offs (x) | 22.2391% | 1,377 |
Efficiency ratio | 68.9718% | 4,015 |
Assets per employee ($millions) | 3.1263% | 5,628 |
Cash dividends to net income (ytd only)* | 49.8826% | 1,885 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0338% | 5,692 |
Loan loss allowance to noncurrent loans | 74.5283% | 4,230 |
Noncurrent assets plus other real estate owned to assets | 1.1757% | 3,403 |
Noncurrent loans to loans | 1.3871% | 3,222 |
Net loans and leases to total assets | 78.9899% | 637 |
Net loans and leases to deposits | 92.7681% | 903 |
Net loans and leases to core deposits | 99.2462% | 1,130 |
Total domestic deposits to total assets | 85.1477% | 3,824 |
Equity capital to assets | 10.0328% | 3,871 |
Core capital (leverage) ratio | 10.4720% | 2,920 |
Tier 1 risk-based capital ratio | 13.9443% | 4,460 |
Total risk-based capital ratio | 15.0722% | 4,511 |
Memoranda: | ||
Average total assets | $150,870,000 | 3,752 |
Average earning assets | $141,286,330 | 3,707 |
Average equity | $14,999,330 | 3,946 |
Average total loans | $114,638,000 | 3,173 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9691% | 957 |
Cost of funding earning assets | 0.8890% | 1,043 |
Net interest margin | 4.0801% | 1,523 |
Noninterest income to average assets | 0.2966% | 5,330 |
Noninterest expense to average assets | 3.0966% | 2,689 |
Loan and lease loss provision to assets | 0.1069% | 2,910 |
Net operating income to assets | 0.9191% | 2,568 |
Return on assets (ROA) | 0.9218% | 2,701 |
Pretax return on assets | 0.9218% | 3,682 |
Return on Equity (ROE) | 9.3152% | 2,343 |
Retained earnings to average equity (ytd only) | 3.9151% | 3,882 |
Net charge-offs to loans | -0.0036% | 5,217 |
Credit loss provision to net charge-offs | -4,000.0000% | 5,855 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.1134% | 3,078 |
Assets per employee ($millions) | 3.1879% | 5,654 |
Cash dividends to net income (ytd only)* | 57.9710% | 1,351 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0599% | 5,752 |
Loan loss allowance to noncurrent loans | 135.4503% | 2,601 |
Noncurrent assets plus other real estate owned to assets | 0.6529% | 4,739 |
Noncurrent loans to loans | 0.7825% | 4,554 |
Net loans and leases to total assets | 71.5595% | 1,423 |
Net loans and leases to deposits | 80.7607% | 1,977 |
Net loans and leases to core deposits | 86.2858% | 2,079 |
Total domestic deposits to total assets | 88.6068% | 1,929 |
Equity capital to assets | 9.7294% | 4,520 |
Core capital (leverage) ratio | 9.7062% | 3,784 |
Tier 1 risk-based capital ratio | 14.5857% | 4,118 |
Total risk-based capital ratio | 15.7380% | 4,149 |
Memoranda: | ||
Average total assets | $149,711,000 | 3,814 |
Average earning assets | $140,388,000 | 3,764 |
Average equity | $14,814,500 | 4,031 |
Average total loans | $110,823,500 | 3,271 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2248% | 1,068 |
Cost of funding earning assets | 1.0472% | 1,135 |
Net interest margin | 4.1776% | 1,720 |
Noninterest income to average assets | 0.4157% | 4,490 |
Noninterest expense to average assets | 2.8200% | 3,946 |
Loan and lease loss provision to assets | 0.4621% | 1,358 |
Net operating income to assets | 1.0204% | 2,251 |
Return on assets (ROA) | 1.0294% | 2,418 |
Pretax return on assets | 1.0310% | 3,431 |
Return on Equity (ROE) | 9.7796% | 2,271 |
Retained earnings to average equity (ytd only) | 1.7267% | 4,996 |
Net charge-offs to loans | 0.7879% | 1,487 |
Credit loss provision to net charge-offs | 75.7009% | 3,983 |
Earnings coverage of net charge-offs (x) | 2.4312% | 4,196 |
Efficiency ratio | 65.5179% | 4,600 |
Assets per employee ($millions) | 3.2534% | 5,506 |
Cash dividends to net income (ytd only)* | 82.3436% | 929 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0201% | 5,896 |
Loan loss allowance to noncurrent loans | 118.4100% | 2,875 |
Noncurrent assets plus other real estate owned to assets | 0.8996% | 4,247 |
Noncurrent loans to loans | 0.8615% | 4,459 |
Net loans and leases to total assets | 75.0275% | 1,043 |
Net loans and leases to deposits | 85.0347% | 1,634 |
Net loans and leases to core deposits | 91.1264% | 1,710 |
Total domestic deposits to total assets | 88.2316% | 2,078 |
Equity capital to assets | 10.0689% | 4,077 |
Core capital (leverage) ratio | 11.4725% | 1,898 |
Tier 1 risk-based capital ratio | 14.5435% | 3,998 |
Total risk-based capital ratio | 15.6635% | 4,043 |
Memoranda: | ||
Average total assets | $122,696,400 | 4,295 |
Average earning assets | $114,204,800 | 4,243 |
Average equity | $12,914,600 | 4,378 |
Average total loans | $95,058,800 | 3,640 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3775% | 873 |
Cost of funding earning assets | 1.1067% | 1,037 |
Net interest margin | 4.2707% | 1,552 |
Noninterest income to average assets | 0.4305% | 4,409 |
Noninterest expense to average assets | 2.7815% | 4,051 |
Loan and lease loss provision to assets | 0.4487% | 1,401 |
Net operating income to assets | 1.1635% | 1,855 |
Return on assets (ROA) | 1.1784% | 1,999 |
Pretax return on assets | 1.1806% | 3,059 |
Return on Equity (ROE) | 11.0449% | 1,936 |
Retained earnings to average equity (ytd only) | 2.5900% | 5,012 |
Net charge-offs to loans | 0.2489% | 3,229 |
Credit loss provision to net charge-offs | 231.1765% | 1,198 |
Earnings coverage of net charge-offs (x) | 8.3177% | 2,466 |
Efficiency ratio | 63.2727% | 4,930 |
Assets per employee ($millions) | 3.4189% | 5,163 |
Cash dividends to net income (ytd only)* | 76.5504% | 737 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6313% | 3,408 |
Loan loss allowance to noncurrent loans | 104.6290% | 3,110 |
Noncurrent assets plus other real estate owned to assets | 1.5941% | 3,206 |
Noncurrent loans to loans | 1.5591% | 3,443 |
Net loans and leases to total assets | 79.7319% | 527 |
Net loans and leases to deposits | 91.3582% | 1,024 |
Net loans and leases to core deposits | 99.5457% | 1,158 |
Total domestic deposits to total assets | 87.2740% | 2,514 |
Equity capital to assets | 10.8403% | 3,454 |
Core capital (leverage) ratio | 10.6920% | 2,711 |
Tier 1 risk-based capital ratio | 14.8665% | 3,941 |
Total risk-based capital ratio | 16.1229% | 3,895 |
Memoranda: | ||
Average total assets | $116,770,250 | 4,467 |
Average earning assets | $108,425,000 | 4,428 |
Average equity | $12,458,000 | 4,514 |
Average total loans | $91,080,250 | 3,758 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1989% | 1,256 |
Cost of funding earning assets | 1.1281% | 1,103 |
Net interest margin | 4.0708% | 2,202 |
Noninterest income to average assets | 0.4207% | 4,496 |
Noninterest expense to average assets | 2.7004% | 4,424 |
Loan and lease loss provision to assets | 0.3198% | 2,067 |
Net operating income to assets | 1.1800% | 1,787 |
Return on assets (ROA) | 1.2023% | 1,903 |
Pretax return on assets | 1.2057% | 2,899 |
Return on Equity (ROE) | 11.3293% | 1,870 |
Retained earnings to average equity (ytd only) | 2.6268% | 4,868 |
Net charge-offs to loans | 0.3288% | 2,714 |
Credit loss provision to net charge-offs | 126.3514% | 2,171 |
Earnings coverage of net charge-offs (x) | 5.9392% | 2,727 |
Efficiency ratio | 64.2392% | 4,857 |
Assets per employee ($millions) | 3.7025% | 4,516 |
Cash dividends to net income (ytd only)* | 76.8137% | 870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4471% | 4,259 |
Loan loss allowance to noncurrent loans | 60.6183% | 4,612 |
Noncurrent assets plus other real estate owned to assets | 2.3278% | 2,400 |
Noncurrent loans to loans | 2.3872% | 2,511 |
Net loans and leases to total assets | 77.7720% | 750 |
Net loans and leases to deposits | 88.8607% | 1,271 |
Net loans and leases to core deposits | 97.1041% | 1,338 |
Total domestic deposits to total assets | 87.5212% | 2,452 |
Equity capital to assets | 10.5494% | 3,624 |
Core capital (leverage) ratio | 10.6928% | 2,607 |
Tier 1 risk-based capital ratio | 14.8754% | 3,852 |
Total risk-based capital ratio | 16.1299% | 3,802 |
Memoranda: | ||
Average total assets | $116,946,330 | 4,481 |
Average earning assets | $108,676,330 | 4,447 |
Average equity | $12,410,330 | 4,524 |
Average total loans | $90,034,000 | 3,805 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2704% | 1,172 |
Cost of funding earning assets | 1.1568% | 1,149 |
Net interest margin | 4.1135% | 2,047 |
Noninterest income to average assets | 0.4338% | 4,425 |
Noninterest expense to average assets | 2.7613% | 4,201 |
Loan and lease loss provision to assets | 0.2720% | 2,282 |
Net operating income to assets | 1.2326% | 1,652 |
Return on assets (ROA) | 1.2464% | 1,787 |
Pretax return on assets | 1.2464% | 2,741 |
Return on Equity (ROE) | 11.7095% | 1,766 |
Retained earnings to average equity (ytd only) | 3.9463% | 4,219 |
Net charge-offs to loans | 0.1178% | 3,407 |
Credit loss provision to net charge-offs | 303.8462% | 971 |
Earnings coverage of net charge-offs (x) | 16.8077% | 1,337 |
Efficiency ratio | 64.7296% | 4,791 |
Assets per employee ($millions) | 3.6840% | 4,694 |
Cash dividends to net income (ytd only)* | 66.2983% | 1,060 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5359% | 4,003 |
Loan loss allowance to noncurrent loans | 184.4804% | 1,787 |
Noncurrent assets plus other real estate owned to assets | 0.8508% | 4,830 |
Noncurrent loans to loans | 0.8326% | 5,006 |
Net loans and leases to total assets | 74.3369% | 1,010 |
Net loans and leases to deposits | 84.2183% | 1,637 |
Net loans and leases to core deposits | 92.0043% | 1,647 |
Total domestic deposits to total assets | 88.2669% | 2,151 |
Equity capital to assets | 10.5379% | 3,444 |
Core capital (leverage) ratio | 10.6701% | 2,581 |
Tier 1 risk-based capital ratio | 15.5895% | 3,397 |
Total risk-based capital ratio | 16.8444% | 3,361 |
Memoranda: | ||
Average total assets | $116,179,000 | 4,537 |
Average earning assets | $108,228,000 | 4,478 |
Average equity | $12,366,000 | 4,538 |
Average total loans | $88,302,000 | 3,875 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5973% | 958 |
Cost of funding earning assets | 1.3346% | 1,321 |
Net interest margin | 4.2627% | 1,831 |
Noninterest income to average assets | 0.3711% | 4,853 |
Noninterest expense to average assets | 2.8460% | 4,177 |
Loan and lease loss provision to assets | 0.3514% | 2,893 |
Net operating income to assets | 1.1463% | 1,680 |
Return on assets (ROA) | 1.0881% | 1,996 |
Pretax return on assets | 1.0881% | 2,882 |
Return on Equity (ROE) | 10.2022% | 1,990 |
Retained earnings to average equity (ytd only) | 5.7592% | 2,147 |
Net charge-offs to loans | 0.1741% | 4,753 |
Credit loss provision to net charge-offs | 260.2649% | 926 |
Earnings coverage of net charge-offs (x) | 11.0927% | 1,759 |
Efficiency ratio | 65.5208% | 4,862 |
Assets per employee ($millions) | 3.8156% | 4,285 |
Cash dividends to net income (ytd only)* | 43.5497% | 2,391 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5000% | 4,028 |
Loan loss allowance to noncurrent loans | 162.6238% | 1,974 |
Noncurrent assets plus other real estate owned to assets | 0.8334% | 4,958 |
Noncurrent loans to loans | 0.9224% | 4,847 |
Net loans and leases to total assets | 75.3811% | 1,037 |
Net loans and leases to deposits | 85.6066% | 1,720 |
Net loans and leases to core deposits | 93.1514% | 1,781 |
Total domestic deposits to total assets | 88.0553% | 2,115 |
Equity capital to assets | 10.7531% | 3,243 |
Core capital (leverage) ratio | 10.5721% | 2,638 |
Tier 1 risk-based capital ratio | 15.5218% | 3,312 |
Total risk-based capital ratio | 16.7760% | 3,257 |
Memoranda: | ||
Average total assets | $111,842,200 | 4,597 |
Average earning assets | $104,229,000 | 4,539 |
Average equity | $11,928,800 | 4,568 |
Average total loans | $86,720,800 | 3,941 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6187% | 997 |
Cost of funding earning assets | 1.3584% | 1,424 |
Net interest margin | 4.2604% | 1,871 |
Noninterest income to average assets | 0.3777% | 4,844 |
Noninterest expense to average assets | 2.8900% | 3,977 |
Loan and lease loss provision to assets | 0.3885% | 2,527 |
Net operating income to assets | 1.0709% | 2,069 |
Return on assets (ROA) | 1.0277% | 2,388 |
Pretax return on assets | 1.0277% | 3,301 |
Return on Equity (ROE) | 9.6558% | 2,325 |
Retained earnings to average equity (ytd only) | 5.9377% | 2,594 |
Net charge-offs to loans | 0.2096% | 4,121 |
Credit loss provision to net charge-offs | 238.2353% | 1,196 |
Earnings coverage of net charge-offs (x) | 8.9485% | 2,106 |
Efficiency ratio | 66.4461% | 4,631 |
Assets per employee ($millions) | 3.6368% | 4,668 |
Cash dividends to net income (ytd only)* | 38.5064% | 2,090 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3791% | 4,641 |
Loan loss allowance to noncurrent loans | 75.4491% | 3,744 |
Noncurrent assets plus other real estate owned to assets | 1.5243% | 3,820 |
Noncurrent loans to loans | 1.8279% | 3,605 |
Net loans and leases to total assets | 77.4218% | 780 |
Net loans and leases to deposits | 87.8453% | 1,453 |
Net loans and leases to core deposits | 96.2443% | 1,584 |
Total domestic deposits to total assets | 88.1344% | 1,966 |
Equity capital to assets | 10.4418% | 3,778 |
Core capital (leverage) ratio | 10.8015% | 2,571 |
Tier 1 risk-based capital ratio | 14.6124% | 3,895 |
Total risk-based capital ratio | 15.8642% | 3,869 |
Memoranda: | ||
Average total assets | $111,185,500 | 4,641 |
Average earning assets | $103,650,500 | 4,585 |
Average equity | $11,833,750 | 4,611 |
Average total loans | $86,500,500 | 3,992 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6501% | 967 |
Cost of funding earning assets | 1.3919% | 1,455 |
Net interest margin | 4.2582% | 1,807 |
Noninterest income to average assets | 0.4002% | 4,685 |
Noninterest expense to average assets | 2.9546% | 3,814 |
Loan and lease loss provision to assets | 0.3855% | 2,486 |
Net operating income to assets | 1.0178% | 2,149 |
Return on assets (ROA) | 0.9410% | 2,572 |
Pretax return on assets | 0.9410% | 3,467 |
Return on Equity (ROE) | 8.7826% | 2,605 |
Retained earnings to average equity (ytd only) | 7.0773% | 1,847 |
Net charge-offs to loans | 0.1343% | 4,402 |
Credit loss provision to net charge-offs | 370.1754% | 825 |
Earnings coverage of net charge-offs (x) | 13.4737% | 1,543 |
Efficiency ratio | 67.7987% | 4,553 |
Assets per employee ($millions) | 3.5018% | 4,932 |
Cash dividends to net income (ytd only)* | 19.4175% | 2,874 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4585% | 4,300 |
Loan loss allowance to noncurrent loans | 93.8744% | 3,054 |
Noncurrent assets plus other real estate owned to assets | 1.4011% | 4,123 |
Noncurrent loans to loans | 1.5537% | 4,077 |
Net loans and leases to total assets | 76.3060% | 1,037 |
Net loans and leases to deposits | 86.8581% | 1,669 |
Net loans and leases to core deposits | 94.6826% | 1,824 |
Total domestic deposits to total assets | 87.8513% | 2,244 |
Equity capital to assets | 11.0718% | 2,886 |
Core capital (leverage) ratio | 10.9513% | 2,298 |
Tier 1 risk-based capital ratio | 15.4454% | 3,280 |
Total risk-based capital ratio | 16.6986% | 3,215 |
Memoranda: | ||
Average total assets | $109,454,670 | 4,712 |
Average earning assets | $101,732,330 | 4,660 |
Average equity | $11,727,670 | 4,634 |
Average total loans | $84,880,000 | 4,072 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6635% | 951 |
Cost of funding earning assets | 1.4061% | 1,577 |
Net interest margin | 4.2575% | 1,709 |
Noninterest income to average assets | 0.4222% | 4,521 |
Noninterest expense to average assets | 2.9808% | 3,726 |
Loan and lease loss provision to assets | 0.4295% | 2,043 |
Net operating income to assets | 0.9572% | 2,324 |
Return on assets (ROA) | 0.8917% | 2,666 |
Pretax return on assets | 0.8917% | 3,531 |
Return on Equity (ROE) | 8.4614% | 2,710 |
Retained earnings to average equity (ytd only) | 5.0078% | 3,190 |
Net charge-offs to loans | 0.2767% | 2,961 |
Credit loss provision to net charge-offs | 200.0000% | 1,479 |
Earnings coverage of net charge-offs (x) | 6.4576% | 2,100 |
Efficiency ratio | 68.2500% | 4,612 |
Assets per employee ($millions) | 3.3050% | 5,468 |
Cash dividends to net income (ytd only)* | 40.8163% | 1,730 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3418% | 4,930 |
Loan loss allowance to noncurrent loans | 94.7236% | 3,028 |
Noncurrent assets plus other real estate owned to assets | 1.3304% | 4,306 |
Noncurrent loans to loans | 1.4165% | 4,341 |
Net loans and leases to total assets | 76.2474% | 1,000 |
Net loans and leases to deposits | 86.5682% | 1,642 |
Net loans and leases to core deposits | 95.0998% | 1,757 |
Total domestic deposits to total assets | 88.0779% | 2,333 |
Equity capital to assets | 10.7109% | 2,979 |
Core capital (leverage) ratio | 10.8308% | 2,331 |
Tier 1 risk-based capital ratio | 15.1025% | 3,372 |
Total risk-based capital ratio | 16.3550% | 3,330 |
Memoranda: | ||
Average total assets | $109,904,500 | 4,736 |
Average earning assets | $101,845,000 | 4,694 |
Average equity | $11,582,000 | 4,648 |
Average total loans | $85,290,000 | 4,098 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9091% | 1,025 |
Cost of funding earning assets | 1.8247% | 1,076 |
Net interest margin | 4.0843% | 2,642 |
Noninterest income to average assets | 0.3259% | 5,456 |
Noninterest expense to average assets | 3.1820% | 3,155 |
Loan and lease loss provision to assets | 0.4719% | 3,305 |
Net operating income to assets | 0.4551% | 4,290 |
Return on assets (ROA) | 0.3855% | 4,755 |
Pretax return on assets | 0.3900% | 4,979 |
Return on Equity (ROE) | 3.7841% | 4,616 |
Retained earnings to average equity (ytd only) | 3.7841% | 3,214 |
Net charge-offs to loans | 0.7111% | 2,877 |
Credit loss provision to net charge-offs | 86.1789% | 5,278 |
Earnings coverage of net charge-offs (x) | 1.7024% | 4,447 |
Efficiency ratio | 77.3426% | 2,818 |
Assets per employee ($millions) | 3.3558% | 5,285 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2423% | 5,316 |
Loan loss allowance to noncurrent loans | 103.2755% | 2,808 |
Noncurrent assets plus other real estate owned to assets | 1.1694% | 4,675 |
Noncurrent loans to loans | 1.2029% | 4,717 |
Net loans and leases to total assets | 76.9502% | 1,103 |
Net loans and leases to deposits | 87.2553% | 1,902 |
Net loans and leases to core deposits | 95.8992% | 2,026 |
Total domestic deposits to total assets | 88.1898% | 2,127 |
Equity capital to assets | 10.3681% | 3,311 |
Core capital (leverage) ratio | 10.1602% | 2,915 |
Tier 1 risk-based capital ratio | 14.5825% | 3,491 |
Total risk-based capital ratio | 15.8332% | 3,452 |
Memoranda: | ||
Average total assets | $112,318,400 | 4,650 |
Average earning assets | $104,178,800 | 4,601 |
Average equity | $11,442,600 | 4,749 |
Average total loans | $86,491,000 | 4,144 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9806% | 974 |
Cost of funding earning assets | 1.9029% | 1,021 |
Net interest margin | 4.0777% | 2,725 |
Noninterest income to average assets | 0.5572% | 3,727 |
Noninterest expense to average assets | 3.2140% | 2,876 |
Loan and lease loss provision to assets | 0.5087% | 2,914 |
Net operating income to assets | 0.6074% | 3,853 |
Return on assets (ROA) | 0.5501% | 4,261 |
Pretax return on assets | 0.5560% | 4,740 |
Return on Equity (ROE) | 5.4228% | 4,074 |
Retained earnings to average equity (ytd only) | 5.4228% | 2,696 |
Net charge-offs to loans | 0.8735% | 2,263 |
Credit loss provision to net charge-offs | 75.8377% | 5,259 |
Earnings coverage of net charge-offs (x) | 1.6737% | 4,449 |
Efficiency ratio | 74.1135% | 3,312 |
Assets per employee ($millions) | 3.3663% | 5,283 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2059% | 5,464 |
Loan loss allowance to noncurrent loans | 55.7987% | 4,583 |
Noncurrent assets plus other real estate owned to assets | 2.8113% | 2,584 |
Noncurrent loans to loans | 2.1612% | 3,494 |
Net loans and leases to total assets | 75.2212% | 1,546 |
Net loans and leases to deposits | 85.6412% | 2,417 |
Net loans and leases to core deposits | 94.6416% | 2,431 |
Total domestic deposits to total assets | 87.8330% | 2,069 |
Equity capital to assets | 10.4963% | 3,522 |
Core capital (leverage) ratio | 10.0656% | 3,187 |
Tier 1 risk-based capital ratio | 14.3282% | 3,611 |
Total risk-based capital ratio | 15.5773% | 3,579 |
Memoranda: | ||
Average total assets | $112,712,250 | 4,702 |
Average earning assets | $104,468,000 | 4,653 |
Average equity | $11,432,750 | 4,833 |
Average total loans | $86,541,500 | 4,210 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9400% | 1,080 |
Cost of funding earning assets | 1.9134% | 1,192 |
Net interest margin | 4.0266% | 2,892 |
Noninterest income to average assets | 0.5775% | 3,495 |
Noninterest expense to average assets | 3.1151% | 3,244 |
Loan and lease loss provision to assets | 0.4644% | 2,994 |
Net operating income to assets | 0.7269% | 3,288 |
Return on assets (ROA) | 0.6622% | 3,721 |
Pretax return on assets | 0.6711% | 4,337 |
Return on Equity (ROE) | 6.6039% | 3,495 |
Retained earnings to average equity (ytd only) | 6.6039% | 2,019 |
Net charge-offs to loans | 0.7248% | 2,409 |
Credit loss provision to net charge-offs | 83.2278% | 4,623 |
Earnings coverage of net charge-offs (x) | 2.1519% | 3,945 |
Efficiency ratio | 72.1768% | 3,785 |
Assets per employee ($millions) | 3.1636% | 5,755 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2713% | 5,076 |
Loan loss allowance to noncurrent loans | 79.4816% | 3,417 |
Noncurrent assets plus other real estate owned to assets | 3.2619% | 2,160 |
Noncurrent loans to loans | 1.5995% | 4,312 |
Net loans and leases to total assets | 75.2772% | 1,631 |
Net loans and leases to deposits | 87.0811% | 2,321 |
Net loans and leases to core deposits | 93.8245% | 2,741 |
Total domestic deposits to total assets | 86.4449% | 2,849 |
Equity capital to assets | 10.1782% | 3,801 |
Core capital (leverage) ratio | 10.0855% | 3,084 |
Tier 1 risk-based capital ratio | 13.7011% | 3,940 |
Total risk-based capital ratio | 14.9630% | 3,892 |
Memoranda: | ||
Average total assets | $113,254,000 | 4,724 |
Average earning assets | $105,151,330 | 4,662 |
Average equity | $11,357,000 | 4,841 |
Average total loans | $87,195,000 | 4,221 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8554% | 1,313 |
Cost of funding earning assets | 1.9191% | 1,375 |
Net interest margin | 3.9363% | 3,166 |
Noninterest income to average assets | 0.3400% | 5,422 |
Noninterest expense to average assets | 2.9114% | 4,014 |
Loan and lease loss provision to assets | 0.4640% | 2,646 |
Net operating income to assets | 0.6243% | 3,781 |
Return on assets (ROA) | 0.3719% | 5,092 |
Pretax return on assets | 0.3896% | 5,327 |
Return on Equity (ROE) | 3.7368% | 5,019 |
Retained earnings to average equity (ytd only) | 3.7368% | 3,914 |
Net charge-offs to loans | 0.8836% | 1,793 |
Credit loss provision to net charge-offs | 67.8756% | 4,150 |
Earnings coverage of net charge-offs (x) | 1.6373% | 3,751 |
Efficiency ratio | 72.2320% | 3,885 |
Assets per employee ($millions) | 3.3603% | 5,401 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2565% | 5,171 |
Loan loss allowance to noncurrent loans | 50.0000% | 4,992 |
Noncurrent assets plus other real estate owned to assets | 3.5956% | 1,952 |
Noncurrent loans to loans | 2.5131% | 3,162 |
Net loans and leases to total assets | 75.3158% | 1,680 |
Net loans and leases to deposits | 88.5305% | 2,128 |
Net loans and leases to core deposits | 94.4141% | 2,783 |
Total domestic deposits to total assets | 85.0732% | 3,640 |
Equity capital to assets | 9.9001% | 3,995 |
Core capital (leverage) ratio | 10.0591% | 3,088 |
Tier 1 risk-based capital ratio | 13.0581% | 4,295 |
Total risk-based capital ratio | 14.3187% | 4,256 |
Memoranda: | ||
Average total assets | $112,935,500 | 4,800 |
Average earning assets | $105,885,500 | 4,706 |
Average equity | $11,239,500 | 4,910 |
Average total loans | $87,373,500 | 4,276 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4457% | 744 |
Cost of funding earning assets | 2.4033% | 1,289 |
Net interest margin | 4.0425% | 2,686 |
Noninterest income to average assets | 0.5107% | 4,327 |
Noninterest expense to average assets | 3.1282% | 3,622 |
Loan and lease loss provision to assets | 0.7010% | 3,017 |
Net operating income to assets | 0.5514% | 3,519 |
Return on assets (ROA) | 0.4306% | 4,114 |
Pretax return on assets | 0.4370% | 4,386 |
Return on Equity (ROE) | 4.6742% | 3,808 |
Retained earnings to average equity (ytd only) | 4.6742% | 1,990 |
Net charge-offs to loans | 0.7692% | 2,901 |
Credit loss provision to net charge-offs | 112.5731% | 4,875 |
Earnings coverage of net charge-offs (x) | 2.0234% | 4,206 |
Efficiency ratio | 71.2863% | 4,388 |
Assets per employee ($millions) | 3.2829% | 5,530 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3207% | 4,647 |
Loan loss allowance to noncurrent loans | 34.3222% | 6,139 |
Noncurrent assets plus other real estate owned to assets | 3.7009% | 1,799 |
Noncurrent loans to loans | 3.8480% | 1,933 |
Net loans and leases to total assets | 77.4467% | 1,498 |
Net loans and leases to deposits | 90.5763% | 2,128 |
Net loans and leases to core deposits | 126.2815% | 1,491 |
Total domestic deposits to total assets | 85.5044% | 3,288 |
Equity capital to assets | 10.0054% | 3,761 |
Core capital (leverage) ratio | 9.6969% | 3,456 |
Tier 1 risk-based capital ratio | 13.6797% | 3,697 |
Total risk-based capital ratio | 14.9429% | 3,630 |
Memoranda: | ||
Average total assets | $109,840,200 | 4,822 |
Average earning assets | $105,356,400 | 4,697 |
Average equity | $10,119,400 | 5,264 |
Average total loans | $88,919,400 | 4,242 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5431% | 686 |
Cost of funding earning assets | 2.4622% | 1,407 |
Net interest margin | 4.0809% | 2,476 |
Noninterest income to average assets | 0.5351% | 4,197 |
Noninterest expense to average assets | 3.1189% | 3,585 |
Loan and lease loss provision to assets | 0.6776% | 2,707 |
Net operating income to assets | 0.6484% | 3,415 |
Return on assets (ROA) | 0.5314% | 3,945 |
Pretax return on assets | 0.5399% | 4,403 |
Return on Equity (ROE) | 5.8974% | 3,569 |
Retained earnings to average equity (ytd only) | 5.8974% | 2,003 |
Net charge-offs to loans | 0.7440% | 2,504 |
Credit loss provision to net charge-offs | 111.6466% | 4,552 |
Earnings coverage of net charge-offs (x) | 2.2028% | 4,169 |
Efficiency ratio | 69.9945% | 4,590 |
Assets per employee ($millions) | 3.1903% | 5,674 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2083% | 5,058 |
Loan loss allowance to noncurrent loans | 44.1188% | 5,371 |
Noncurrent assets plus other real estate owned to assets | 2.4563% | 2,802 |
Noncurrent loans to loans | 2.7387% | 2,768 |
Net loans and leases to total assets | 80.3760% | 1,112 |
Net loans and leases to deposits | 93.6340% | 1,944 |
Net loans and leases to core deposits | 131.2802% | 1,359 |
Total domestic deposits to total assets | 85.8405% | 2,785 |
Equity capital to assets | 9.4663% | 4,789 |
Core capital (leverage) ratio | 9.6941% | 3,650 |
Tier 1 risk-based capital ratio | 12.6695% | 4,419 |
Total risk-based capital ratio | 13.8874% | 4,395 |
Memoranda: | ||
Average total assets | $109,395,250 | 4,870 |
Average earning assets | $105,106,250 | 4,734 |
Average equity | $9,857,250 | 5,375 |
Average total loans | $89,248,500 | 4,270 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5652% | 706 |
Cost of funding earning assets | 2.5328% | 1,496 |
Net interest margin | 4.0324% | 2,572 |
Noninterest income to average assets | 0.5075% | 4,381 |
Noninterest expense to average assets | 3.0954% | 3,724 |
Loan and lease loss provision to assets | 0.4834% | 3,110 |
Net operating income to assets | 0.7688% | 2,973 |
Return on assets (ROA) | 0.6135% | 3,732 |
Pretax return on assets | 0.6414% | 4,188 |
Return on Equity (ROE) | 6.9335% | 3,229 |
Retained earnings to average equity (ytd only) | 6.9335% | 1,607 |
Net charge-offs to loans | 1.0290% | 1,729 |
Credit loss provision to net charge-offs | 57.5221% | 5,636 |
Earnings coverage of net charge-offs (x) | 1.5310% | 4,391 |
Efficiency ratio | 70.6406% | 4,645 |
Assets per employee ($millions) | 2.7885% | 6,659 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9579% | 6,516 |
Loan loss allowance to noncurrent loans | 28.2910% | 6,610 |
Noncurrent assets plus other real estate owned to assets | 2.8563% | 2,243 |
Noncurrent loans to loans | 3.3857% | 2,079 |
Net loans and leases to total assets | 81.4839% | 1,052 |
Net loans and leases to deposits | 95.2674% | 1,909 |
Net loans and leases to core deposits | 133.5665% | 1,342 |
Total domestic deposits to total assets | 85.5318% | 3,001 |
Equity capital to assets | 9.5364% | 4,561 |
Core capital (leverage) ratio | 9.8544% | 3,447 |
Tier 1 risk-based capital ratio | 12.6261% | 4,419 |
Total risk-based capital ratio | 13.6621% | 4,517 |
Memoranda: | ||
Average total assets | $107,577,330 | 4,951 |
Average earning assets | $103,362,670 | 4,807 |
Average equity | $9,519,000 | 5,508 |
Average total loans | $87,851,330 | 4,339 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5373% | 805 |
Cost of funding earning assets | 2.5857% | 1,607 |
Net interest margin | 3.9516% | 2,845 |
Noninterest income to average assets | 0.3561% | 5,596 |
Noninterest expense to average assets | 2.8297% | 4,429 |
Loan and lease loss provision to assets | 0.5947% | 2,113 |
Net operating income to assets | 0.6894% | 3,607 |
Return on assets (ROA) | 0.6894% | 3,793 |
Pretax return on assets | 0.7235% | 4,342 |
Return on Equity (ROE) | 8.1250% | 3,084 |
Retained earnings to average equity (ytd only) | 8.1250% | 1,761 |
Net charge-offs to loans | 0.2189% | 3,329 |
Credit loss provision to net charge-offs | 334.0426% | 1,483 |
Earnings coverage of net charge-offs (x) | 7.4043% | 2,350 |
Efficiency ratio | 68.2192% | 4,919 |
Assets per employee ($millions) | 2.9795% | 6,213 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3557% | 3,762 |
Loan loss allowance to noncurrent loans | 51.2809% | 5,131 |
Noncurrent assets plus other real estate owned to assets | 2.3736% | 2,410 |
Noncurrent loans to loans | 2.6437% | 2,486 |
Net loans and leases to total assets | 80.1158% | 1,364 |
Net loans and leases to deposits | 93.1008% | 2,419 |
Net loans and leases to core deposits | 126.7710% | 1,864 |
Total domestic deposits to total assets | 86.0527% | 2,683 |
Equity capital to assets | 8.4467% | 6,155 |
Core capital (leverage) ratio | 8.9824% | 4,737 |
Tier 1 risk-based capital ratio | 11.5038% | 5,412 |
Total risk-based capital ratio | 12.7559% | 5,303 |
Memoranda: | ||
Average total assets | $105,595,500 | 5,014 |
Average earning assets | $101,326,500 | 4,879 |
Average equity | $8,960,000 | 5,711 |
Average total loans | $85,893,500 | 4,430 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.4059% | 484 |
Cost of funding earning assets | 3.2431% | 1,057 |
Net interest margin | 4.1628% | 2,455 |
Noninterest income to average assets | 0.4169% | 5,328 |
Noninterest expense to average assets | 2.8767% | 4,523 |
Loan and lease loss provision to assets | 0.5464% | 2,634 |
Net operating income to assets | 0.9825% | 2,624 |
Return on assets (ROA) | 0.0081% | 6,206 |
Pretax return on assets | 0.0081% | 6,141 |
Return on Equity (ROE) | 0.1044% | 6,194 |
Retained earnings to average equity (ytd only) | 0.1044% | 5,169 |
Net charge-offs to loans | 0.1867% | 4,332 |
Credit loss provision to net charge-offs | 364.8649% | 1,211 |
Earnings coverage of net charge-offs (x) | 10.2095% | 2,557 |
Efficiency ratio | 65.2963% | 5,254 |
Assets per employee ($millions) | 3.2478% | 5,342 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2649% | 4,022 |
Loan loss allowance to noncurrent loans | 90.0000% | 3,756 |
Noncurrent assets plus other real estate owned to assets | 1.3519% | 3,506 |
Noncurrent loans to loans | 1.4054% | 3,703 |
Net loans and leases to total assets | 80.4407% | 1,562 |
Net loans and leases to deposits | 94.0151% | 2,754 |
Net loans and leases to core deposits | 127.7224% | 2,026 |
Total domestic deposits to total assets | 85.5614% | 2,600 |
Equity capital to assets | 8.5250% | 6,047 |
Core capital (leverage) ratio | 9.1131% | 4,575 |
Tier 1 risk-based capital ratio | 11.4999% | 5,239 |
Total risk-based capital ratio | 12.6382% | 5,249 |
Memoranda: | ||
Average total assets | $98,828,400 | 5,091 |
Average earning assets | $94,694,800 | 4,956 |
Average equity | $7,663,400 | 6,224 |
Average total loans | $79,291,200 | 4,544 |