Home > Watertown Savings Bank > Performance and Condition Ratios
Watertown Savings Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1074% | 4,499 |
Cost of funding earning assets | 0.8042% | 3,716 |
Net interest margin | 2.3032% | 4,259 |
Noninterest income to average assets | 0.2500% | 3,442 |
Noninterest expense to average assets | 1.8176% | 3,977 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.4551% | 3,757 |
Return on assets (ROA) | 0.4551% | 3,756 |
Pretax return on assets | 0.5944% | 3,638 |
Return on Equity (ROE) | 5.1500% | 3,696 |
Retained earnings to average equity (ytd only) | 5.1452% | 2,562 |
Net charge-offs to loans | 0.0018% | 2,755 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 770.2727% | 186 |
Efficiency ratio | 75.3570% | 1,314 |
Assets per employee ($millions) | 13.9311% | 264 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3128% | 4,421 |
Loan loss allowance to noncurrent loans | 565.9824% | 1,337 |
Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,545 |
Noncurrent loans to loans | 0.0553% | 3,327 |
Net loans and leases to total assets | 43.2800% | 3,928 |
Net loans and leases to deposits | 48.6676% | 3,975 |
Net loans and leases to core deposits | 54.7793% | 3,951 |
Total domestic deposits to total assets | 88.9400% | 1,084 |
Equity capital to assets | 9.8140% | 2,113 |
Core capital (leverage) ratio | 10.8137% | 2,087 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 27.2495% | 298 |
Memoranda: | ||
Average total assets | $1,425,467,400 | 740 |
Average earning assets | $1,340,536,400 | 726 |
Average equity | $126,098,400 | 785 |
Average total loans | $617,407,600 | 1,072 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0386% | 4,520 |
Cost of funding earning assets | 0.6878% | 3,791 |
Net interest margin | 2.3508% | 4,274 |
Noninterest income to average assets | 0.2400% | 3,510 |
Noninterest expense to average assets | 1.7918% | 3,998 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.5011% | 3,765 |
Return on assets (ROA) | 0.5011% | 3,764 |
Pretax return on assets | 0.6596% | 3,624 |
Return on Equity (ROE) | 5.8200% | 3,675 |
Retained earnings to average equity (ytd only) | 5.8237% | 2,683 |
Net charge-offs to loans | 0.0009% | 2,611 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 1,764.5000% | 82 |
Efficiency ratio | 73.0919% | 1,442 |
Assets per employee ($millions) | 13.8920% | 250 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6762% | 4,170 |
Loan loss allowance to noncurrent loans | 772.9128% | 1,062 |
Noncurrent assets plus other real estate owned to assets | 0.0380% | 3,417 |
Noncurrent loans to loans | 0.0875% | 3,148 |
Net loans and leases to total assets | 43.1800% | 3,946 |
Net loans and leases to deposits | 48.2035% | 3,996 |
Net loans and leases to core deposits | 53.8722% | 3,936 |
Total domestic deposits to total assets | 89.5800% | 1,043 |
Equity capital to assets | 9.1760% | 2,307 |
Core capital (leverage) ratio | 10.6181% | 2,300 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.7243% | 328 |
Memoranda: | ||
Average total assets | $1,426,590,500 | 742 |
Average earning assets | $1,343,263,750 | 726 |
Average equity | $122,759,500 | 799 |
Average total loans | $617,512,250 | 1,070 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9478% | 4,559 |
Cost of funding earning assets | 0.5466% | 3,891 |
Net interest margin | 2.4012% | 4,296 |
Noninterest income to average assets | 0.2300% | 3,559 |
Noninterest expense to average assets | 1.9084% | 3,804 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 0.4462% | 3,920 |
Return on assets (ROA) | 0.4462% | 3,927 |
Pretax return on assets | 0.5893% | 3,824 |
Return on Equity (ROE) | 5.3000% | 3,842 |
Retained earnings to average equity (ytd only) | 5.3017% | 2,862 |
Net charge-offs to loans | 0.0010% | 2,394 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 1,404.3333% | 102 |
Efficiency ratio | 76.4057% | 1,139 |
Assets per employee ($millions) | 13.3593% | 274 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6756% | 4,221 |
Loan loss allowance to noncurrent loans | 1,803.8961% | 618 |
Noncurrent assets plus other real estate owned to assets | 0.0163% | 3,675 |
Noncurrent loans to loans | 0.0375% | 3,466 |
Net loans and leases to total assets | 43.2600% | 3,913 |
Net loans and leases to deposits | 48.1392% | 3,986 |
Net loans and leases to core deposits | 52.7822% | 3,927 |
Total domestic deposits to total assets | 89.8700% | 960 |
Equity capital to assets | 8.6319% | 2,757 |
Core capital (leverage) ratio | 10.3944% | 2,396 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.7449% | 323 |
Memoranda: | ||
Average total assets | $1,429,793,000 | 731 |
Average earning assets | $1,349,054,333 | 716 |
Average equity | $120,338,333 | 809 |
Average total loans | $618,000,667 | 1,056 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8244% | 4,601 |
Cost of funding earning assets | 0.3497% | 4,076 |
Net interest margin | 2.4748% | 4,329 |
Noninterest income to average assets | 0.2300% | 3,568 |
Noninterest expense to average assets | 1.9078% | 3,840 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 0.4747% | 3,958 |
Return on assets (ROA) | 0.4747% | 3,911 |
Pretax return on assets | 0.6610% | 3,736 |
Return on Equity (ROE) | 5.7100% | 3,772 |
Retained earnings to average equity (ytd only) | 5.7124% | 2,845 |
Net charge-offs to loans | 0.0032% | 1,892 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 474.8000% | 242 |
Efficiency ratio | 74.2684% | 1,314 |
Assets per employee ($millions) | 13.3149% | 288 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6692% | 4,282 |
Loan loss allowance to noncurrent loans | 364.3920% | 1,993 |
Noncurrent assets plus other real estate owned to assets | 0.0802% | 2,996 |
Noncurrent loans to loans | 0.1837% | 2,560 |
Net loans and leases to total assets | 43.3900% | 3,892 |
Net loans and leases to deposits | 48.2060% | 3,953 |
Net loans and leases to core deposits | 52.3258% | 3,900 |
Total domestic deposits to total assets | 90.0100% | 1,151 |
Equity capital to assets | 8.5419% | 2,858 |
Core capital (leverage) ratio | 10.2712% | 2,433 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.1518% | 345 |
Memoranda: | ||
Average total assets | $1,436,644,000 | 742 |
Average earning assets | $1,355,598,500 | 724 |
Average equity | $119,390,000 | 826 |
Average total loans | $618,595,500 | 1,062 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3709% | 4,541 |
Cost of funding earning assets | 0.1652% | 4,029 |
Net interest margin | 2.2056% | 4,475 |
Noninterest income to average assets | 0.2300% | 3,761 |
Noninterest expense to average assets | 1.8590% | 3,910 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.3573% | 4,300 |
Return on assets (ROA) | 0.3573% | 4,265 |
Pretax return on assets | 0.4599% | 4,221 |
Return on Equity (ROE) | 4.4400% | 4,094 |
Retained earnings to average equity (ytd only) | 4.4382% | 3,254 |
Net charge-offs to loans | 0.0014% | 2,514 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 854.8750% | 215 |
Efficiency ratio | 80.1682% | 705 |
Assets per employee ($millions) | 13.6660% | 266 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6782% | 4,237 |
Loan loss allowance to noncurrent loans | 2,316.6667% | 545 |
Noncurrent assets plus other real estate owned to assets | 0.0124% | 3,758 |
Noncurrent loans to loans | 0.0293% | 3,583 |
Net loans and leases to total assets | 42.1600% | 3,969 |
Net loans and leases to deposits | 46.6545% | 4,025 |
Net loans and leases to core deposits | 49.7295% | 3,984 |
Total domestic deposits to total assets | 90.3600% | 1,218 |
Equity capital to assets | 8.0826% | 3,008 |
Core capital (leverage) ratio | 9.7961% | 2,843 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.5306% | 351 |
Memoranda: | ||
Average total assets | $1,487,122,200 | 705 |
Average earning assets | $1,407,634,400 | 688 |
Average equity | $119,734,000 | 821 |
Average total loans | $577,810,000 | 1,057 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2495% | 4,549 |
Cost of funding earning assets | 0.1554% | 3,791 |
Net interest margin | 2.0941% | 4,519 |
Noninterest income to average assets | 0.2300% | 3,794 |
Noninterest expense to average assets | 1.7578% | 4,059 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.3487% | 4,323 |
Return on assets (ROA) | 0.3487% | 4,273 |
Pretax return on assets | 0.4514% | 4,206 |
Return on Equity (ROE) | 4.3300% | 4,098 |
Retained earnings to average equity (ytd only) | 4.3345% | 3,340 |
Net charge-offs to loans | 0.0014% | 2,261 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 844.5000% | 191 |
Efficiency ratio | 79.5685% | 799 |
Assets per employee ($millions) | 13.3954% | 278 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6982% | 4,250 |
Loan loss allowance to noncurrent loans | 313.6842% | 2,125 |
Noncurrent assets plus other real estate owned to assets | 0.0894% | 3,039 |
Noncurrent loans to loans | 0.2226% | 2,501 |
Net loans and leases to total assets | 39.9100% | 4,074 |
Net loans and leases to deposits | 43.8714% | 4,120 |
Net loans and leases to core deposits | 46.4613% | 4,083 |
Total domestic deposits to total assets | 90.9600% | 1,257 |
Equity capital to assets | 7.6452% | 3,128 |
Core capital (leverage) ratio | 9.5514% | 3,019 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.9523% | 347 |
Memoranda: | ||
Average total assets | $1,496,753,500 | 706 |
Average earning assets | $1,417,762,250 | 688 |
Average equity | $120,396,500 | 828 |
Average total loans | $568,549,500 | 1,071 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1437% | 4,590 |
Cost of funding earning assets | 0.1555% | 3,507 |
Net interest margin | 1.9882% | 4,564 |
Noninterest income to average assets | 0.2216% | 3,868 |
Noninterest expense to average assets | 1.7530% | 4,049 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.2827% | 4,319 |
Return on assets (ROA) | 0.2827% | 4,270 |
Pretax return on assets | 0.3535% | 4,223 |
Return on Equity (ROE) | 3.4574% | 4,143 |
Retained earnings to average equity (ytd only) | 3.4574% | 3,290 |
Net charge-offs to loans | 0.0007% | 2,128 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | 1,325.5000% | 89 |
Efficiency ratio | 83.2205% | 724 |
Assets per employee ($millions) | 13.7515% | 250 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7286% | 4,291 |
Loan loss allowance to noncurrent loans | 334.0800% | 2,026 |
Noncurrent assets plus other real estate owned to assets | 0.0834% | 3,145 |
Noncurrent loans to loans | 0.2181% | 2,629 |
Net loans and leases to total assets | 37.9584% | 4,169 |
Net loans and leases to deposits | 41.8606% | 4,196 |
Net loans and leases to core deposits | 44.2291% | 4,182 |
Total domestic deposits to total assets | 90.6782% | 1,391 |
Equity capital to assets | 7.7987% | 3,269 |
Core capital (leverage) ratio | 9.4833% | 2,943 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.4004% | 307 |
Memoranda: | ||
Average total assets | $1,500,040,333 | 698 |
Average earning assets | $1,422,124,000 | 683 |
Average equity | $122,636,667 | 815 |
Average total loans | $558,891,333 | 1,076 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0835% | 4,589 |
Cost of funding earning assets | 0.1565% | 3,412 |
Net interest margin | 1.9270% | 4,563 |
Noninterest income to average assets | 0.2271% | 3,792 |
Noninterest expense to average assets | 1.7732% | 4,006 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.2420% | 4,254 |
Return on assets (ROA) | 0.2420% | 4,229 |
Pretax return on assets | 0.2820% | 4,210 |
Return on Equity (ROE) | 2.8939% | 4,113 |
Retained earnings to average equity (ytd only) | 2.8939% | 3,301 |
Net charge-offs to loans | 0.0014% | 1,786 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | 529.0000% | 199 |
Efficiency ratio | 86.2776% | 724 |
Assets per employee ($millions) | 13.6549% | 270 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7571% | 4,306 |
Loan loss allowance to noncurrent loans | 646.4396% | 1,249 |
Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,607 |
Noncurrent loans to loans | 0.1171% | 3,242 |
Net loans and leases to total assets | 36.4429% | 4,182 |
Net loans and leases to deposits | 40.2478% | 4,236 |
Net loans and leases to core deposits | 42.5011% | 4,218 |
Total domestic deposits to total assets | 90.5462% | 1,271 |
Equity capital to assets | 8.0364% | 3,536 |
Core capital (leverage) ratio | 9.4950% | 2,798 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.7128% | 307 |
Memoranda: | ||
Average total assets | $1,500,605,500 | 696 |
Average earning assets | $1,423,554,500 | 686 |
Average equity | $125,507,500 | 822 |
Average total loans | $551,767,500 | 1,076 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2488% | 4,608 |
Cost of funding earning assets | 0.2003% | 3,458 |
Net interest margin | 2.0484% | 4,574 |
Noninterest income to average assets | 0.2603% | 3,817 |
Noninterest expense to average assets | 1.8638% | 4,012 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 0.2575% | 4,471 |
Return on assets (ROA) | 0.2575% | 4,489 |
Pretax return on assets | 0.3125% | 4,483 |
Return on Equity (ROE) | 2.8468% | 4,389 |
Retained earnings to average equity (ytd only) | 2.8468% | 3,709 |
Net charge-offs to loans | 0.0005% | 2,683 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | 1,506.3333% | 96 |
Efficiency ratio | 85.6426% | 488 |
Assets per employee ($millions) | 13.8813% | 248 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7569% | 4,334 |
Loan loss allowance to noncurrent loans | 643.7596% | 1,181 |
Noncurrent assets plus other real estate owned to assets | 0.0433% | 3,698 |
Noncurrent loans to loans | 0.1176% | 3,345 |
Net loans and leases to total assets | 36.5398% | 4,261 |
Net loans and leases to deposits | 40.6952% | 4,321 |
Net loans and leases to core deposits | 42.9630% | 4,302 |
Total domestic deposits to total assets | 89.7891% | 1,067 |
Equity capital to assets | 8.6918% | 3,895 |
Core capital (leverage) ratio | 9.5462% | 2,810 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.9406% | 311 |
Memoranda: | ||
Average total assets | $1,446,270,200 | 702 |
Average earning assets | $1,352,749,200 | 693 |
Average equity | $130,811,600 | 793 |
Average total loans | $585,456,400 | 1,035 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2697% | 4,685 |
Cost of funding earning assets | 0.2097% | 3,517 |
Net interest margin | 2.0599% | 4,648 |
Noninterest income to average assets | 0.2611% | 3,837 |
Noninterest expense to average assets | 1.8611% | 4,031 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 0.2635% | 4,563 |
Return on assets (ROA) | 0.2635% | 4,587 |
Pretax return on assets | 0.3198% | 4,575 |
Return on Equity (ROE) | 2.8837% | 4,481 |
Retained earnings to average equity (ytd only) | 2.8837% | 3,944 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.3370% | 458 |
Assets per employee ($millions) | 13.3145% | 279 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7241% | 4,463 |
Loan loss allowance to noncurrent loans | 470.3037% | 1,427 |
Noncurrent assets plus other real estate owned to assets | 0.0607% | 3,711 |
Noncurrent loans to loans | 0.1540% | 3,352 |
Net loans and leases to total assets | 39.1375% | 4,247 |
Net loans and leases to deposits | 43.8532% | 4,317 |
Net loans and leases to core deposits | 46.4907% | 4,305 |
Total domestic deposits to total assets | 89.2465% | 1,151 |
Equity capital to assets | 9.0916% | 3,751 |
Core capital (leverage) ratio | 9.6469% | 2,856 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.6002% | 354 |
Memoranda: | ||
Average total assets | $1,433,044,000 | 717 |
Average earning assets | $1,335,556,750 | 710 |
Average equity | $130,938,250 | 805 |
Average total loans | $593,827,000 | 1,039 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2705% | 4,736 |
Cost of funding earning assets | 0.2203% | 3,556 |
Net interest margin | 2.0502% | 4,682 |
Noninterest income to average assets | 0.2697% | 3,788 |
Noninterest expense to average assets | 1.8840% | 4,009 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.2344% | 4,601 |
Return on assets (ROA) | 0.2344% | 4,613 |
Pretax return on assets | 0.2947% | 4,592 |
Return on Equity (ROE) | 2.5607% | 4,542 |
Retained earnings to average equity (ytd only) | 2.5607% | 3,981 |
Net charge-offs to loans | -0.0003% | 3,027 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.4739% | 455 |
Assets per employee ($millions) | 12.7301% | 296 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7133% | 4,514 |
Loan loss allowance to noncurrent loans | 442.0719% | 1,400 |
Noncurrent assets plus other real estate owned to assets | 0.0652% | 3,783 |
Noncurrent loans to loans | 0.1613% | 3,410 |
Net loans and leases to total assets | 40.1140% | 4,283 |
Net loans and leases to deposits | 44.8458% | 4,358 |
Net loans and leases to core deposits | 47.6135% | 4,343 |
Total domestic deposits to total assets | 89.4486% | 1,057 |
Equity capital to assets | 8.9800% | 3,812 |
Core capital (leverage) ratio | 9.6824% | 2,732 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.2390% | 370 |
Memoranda: | ||
Average total assets | $1,422,525,667 | 719 |
Average earning assets | $1,324,529,333 | 711 |
Average equity | $130,199,000 | 807 |
Average total loans | $599,306,667 | 1,032 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2857% | 4,763 |
Cost of funding earning assets | 0.2311% | 3,635 |
Net interest margin | 2.0546% | 4,704 |
Noninterest income to average assets | 0.2301% | 4,002 |
Noninterest expense to average assets | 1.8867% | 4,015 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.1920% | 4,640 |
Return on assets (ROA) | 0.1920% | 4,665 |
Pretax return on assets | 0.2554% | 4,638 |
Return on Equity (ROE) | 2.0778% | 4,593 |
Retained earnings to average equity (ytd only) | 2.0778% | 3,991 |
Net charge-offs to loans | -0.0013% | 3,067 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.0785% | 439 |
Assets per employee ($millions) | 12.6890% | 298 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6983% | 4,573 |
Loan loss allowance to noncurrent loans | 316.6540% | 1,677 |
Noncurrent assets plus other real estate owned to assets | 0.0921% | 3,729 |
Noncurrent loans to loans | 0.2205% | 3,312 |
Net loans and leases to total assets | 41.4828% | 4,270 |
Net loans and leases to deposits | 46.3077% | 4,332 |
Net loans and leases to core deposits | 49.2865% | 4,330 |
Total domestic deposits to total assets | 89.5809% | 1,031 |
Equity capital to assets | 9.0277% | 3,651 |
Core capital (leverage) ratio | 9.9431% | 2,592 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.6389% | 427 |
Memoranda: | ||
Average total assets | $1,408,172,000 | 719 |
Average earning assets | $1,310,422,000 | 710 |
Average equity | $130,138,500 | 800 |
Average total loans | $605,795,500 | 1,016 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6846% | 4,798 |
Cost of funding earning assets | 0.3981% | 3,595 |
Net interest margin | 2.2866% | 4,726 |
Noninterest income to average assets | 0.2484% | 4,002 |
Noninterest expense to average assets | 2.1594% | 3,787 |
Loan and lease loss provision to assets | 0.0532% | 3,708 |
Net operating income to assets | 0.1923% | 4,582 |
Return on assets (ROA) | 0.2001% | 4,632 |
Pretax return on assets | 0.1866% | 4,661 |
Return on Equity (ROE) | 2.0242% | 4,561 |
Retained earnings to average equity (ytd only) | 2.0242% | 3,813 |
Net charge-offs to loans | 0.0025% | 3,301 |
Credit loss provision to net charge-offs | 4,437.5000% | 238 |
Earnings coverage of net charge-offs (x) | 193.4375% | 479 |
Efficiency ratio | 90.2969% | 369 |
Assets per employee ($millions) | 12.0216% | 318 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6825% | 4,610 |
Loan loss allowance to noncurrent loans | 204.1504% | 2,315 |
Noncurrent assets plus other real estate owned to assets | 0.1481% | 3,540 |
Noncurrent loans to loans | 0.3343% | 3,010 |
Net loans and leases to total assets | 44.0093% | 4,247 |
Net loans and leases to deposits | 49.3643% | 4,341 |
Net loans and leases to core deposits | 52.8164% | 4,307 |
Total domestic deposits to total assets | 89.1521% | 919 |
Equity capital to assets | 9.4636% | 3,648 |
Core capital (leverage) ratio | 10.0419% | 2,567 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.6494% | 403 |
Memoranda: | ||
Average total assets | $1,333,812,000 | 688 |
Average earning assets | $1,250,081,000 | 677 |
Average equity | $131,853,600 | 755 |
Average total loans | $627,555,000 | 942 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7876% | 4,838 |
Cost of funding earning assets | 0.4342% | 3,617 |
Net interest margin | 2.3534% | 4,753 |
Noninterest income to average assets | 0.2423% | 4,030 |
Noninterest expense to average assets | 2.1441% | 3,837 |
Loan and lease loss provision to assets | 0.0717% | 3,427 |
Net operating income to assets | 0.2488% | 4,523 |
Return on assets (ROA) | 0.2593% | 4,553 |
Pretax return on assets | 0.2485% | 4,606 |
Return on Equity (ROE) | 2.5938% | 4,461 |
Retained earnings to average equity (ytd only) | 2.5938% | 3,688 |
Net charge-offs to loans | 0.0036% | 3,038 |
Credit loss provision to net charge-offs | 4,176.4706% | 267 |
Earnings coverage of net charge-offs (x) | 180.5294% | 519 |
Efficiency ratio | 87.3823% | 442 |
Assets per employee ($millions) | 12.1789% | 311 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6673% | 4,628 |
Loan loss allowance to noncurrent loans | 225.8239% | 2,006 |
Noncurrent assets plus other real estate owned to assets | 0.1357% | 3,744 |
Noncurrent loans to loans | 0.2955% | 3,219 |
Net loans and leases to total assets | 45.6160% | 4,334 |
Net loans and leases to deposits | 51.3329% | 4,436 |
Net loans and leases to core deposits | 55.2666% | 4,406 |
Total domestic deposits to total assets | 88.8632% | 831 |
Equity capital to assets | 9.6459% | 3,557 |
Core capital (leverage) ratio | 10.1761% | 2,542 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.7697% | 419 |
Memoranda: | ||
Average total assets | $1,321,643,500 | 676 |
Average earning assets | $1,241,898,750 | 661 |
Average equity | $132,108,750 | 749 |
Average total loans | $631,293,000 | 933 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9336% | 4,867 |
Cost of funding earning assets | 0.4885% | 3,601 |
Net interest margin | 2.4451% | 4,769 |
Noninterest income to average assets | 0.2438% | 4,020 |
Noninterest expense to average assets | 2.1805% | 3,852 |
Loan and lease loss provision to assets | 0.1017% | 2,994 |
Net operating income to assets | 0.2966% | 4,432 |
Return on assets (ROA) | 0.3125% | 4,444 |
Pretax return on assets | 0.2821% | 4,557 |
Return on Equity (ROE) | 3.0887% | 4,328 |
Retained earnings to average equity (ytd only) | 3.0887% | 3,345 |
Net charge-offs to loans | -0.0003% | 3,714 |
Credit loss provision to net charge-offs | -66,500.0000% | 4,340 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.5642% | 561 |
Assets per employee ($millions) | 11.5157% | 351 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6466% | 4,675 |
Loan loss allowance to noncurrent loans | 225.5839% | 1,955 |
Noncurrent assets plus other real estate owned to assets | 0.1355% | 3,843 |
Noncurrent loans to loans | 0.2866% | 3,351 |
Net loans and leases to total assets | 46.9626% | 4,313 |
Net loans and leases to deposits | 52.9196% | 4,412 |
Net loans and leases to core deposits | 57.0447% | 4,397 |
Total domestic deposits to total assets | 88.7432% | 847 |
Equity capital to assets | 9.8694% | 3,314 |
Core capital (leverage) ratio | 10.3206% | 2,509 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.4668% | 427 |
Memoranda: | ||
Average total assets | $1,307,512,000 | 666 |
Average earning assets | $1,232,354,667 | 650 |
Average equity | $132,287,000 | 743 |
Average total loans | $632,924,000 | 921 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1231% | 4,901 |
Cost of funding earning assets | 0.5738% | 3,569 |
Net interest margin | 2.5492% | 4,789 |
Noninterest income to average assets | 0.2902% | 3,789 |
Noninterest expense to average assets | 2.2496% | 3,888 |
Loan and lease loss provision to assets | 0.1701% | 1,727 |
Net operating income to assets | 0.3873% | 4,167 |
Return on assets (ROA) | 0.3873% | 4,201 |
Pretax return on assets | 0.2702% | 4,496 |
Return on Equity (ROE) | 3.7785% | 4,015 |
Retained earnings to average equity (ytd only) | 3.7785% | 2,774 |
Net charge-offs to loans | 0.0013% | 2,552 |
Credit loss provision to net charge-offs | 27,250.0000% | 18 |
Earnings coverage of net charge-offs (x) | 705.5000% | 88 |
Efficiency ratio | 83.6311% | 853 |
Assets per employee ($millions) | 10.5704% | 327 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6439% | 4,698 |
Loan loss allowance to noncurrent loans | 327.6423% | 1,414 |
Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,144 |
Noncurrent loans to loans | 0.1965% | 3,774 |
Net loans and leases to total assets | 48.2193% | 4,325 |
Net loans and leases to deposits | 54.6937% | 4,413 |
Net loans and leases to core deposits | 59.9788% | 4,354 |
Total domestic deposits to total assets | 88.1625% | 1,034 |
Equity capital to assets | 10.4372% | 3,375 |
Core capital (leverage) ratio | 10.7021% | 2,738 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.8068% | 505 |
Memoranda: | ||
Average total assets | $1,281,842,000 | 652 |
Average earning assets | $1,206,633,500 | 637 |
Average equity | $131,375,000 | 744 |
Average total loans | $628,233,500 | 903 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2687% | 4,977 |
Cost of funding earning assets | 0.5449% | 3,900 |
Net interest margin | 2.7238% | 4,823 |
Noninterest income to average assets | 0.3070% | 3,851 |
Noninterest expense to average assets | 2.2824% | 3,985 |
Loan and lease loss provision to assets | 0.0147% | 3,721 |
Net operating income to assets | 0.4342% | 4,533 |
Return on assets (ROA) | 0.4353% | 4,562 |
Pretax return on assets | 0.5630% | 4,473 |
Return on Equity (ROE) | 4.2064% | 4,412 |
Retained earnings to average equity (ytd only) | 4.2064% | 2,854 |
Net charge-offs to loans | 0.0026% | 3,598 |
Credit loss provision to net charge-offs | 1,125.0000% | 308 |
Earnings coverage of net charge-offs (x) | 442.2500% | 210 |
Efficiency ratio | 79.8405% | 958 |
Assets per employee ($millions) | 10.5298% | 322 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5530% | 4,816 |
Loan loss allowance to noncurrent loans | 214.4526% | 1,975 |
Noncurrent assets plus other real estate owned to assets | 0.1276% | 4,007 |
Noncurrent loans to loans | 0.2578% | 3,525 |
Net loans and leases to total assets | 49.2207% | 4,359 |
Net loans and leases to deposits | 55.5788% | 4,471 |
Net loans and leases to core deposits | 60.9440% | 4,398 |
Total domestic deposits to total assets | 88.5602% | 856 |
Equity capital to assets | 10.0583% | 3,864 |
Core capital (leverage) ratio | 10.7111% | 2,751 |
Tier 1 risk-based capital ratio | 22.7600% | 936 |
Total risk-based capital ratio | 23.3488% | 990 |
Memoranda: | ||
Average total assets | $1,227,828,800 | 646 |
Average earning assets | $1,150,263,200 | 631 |
Average equity | $127,067,400 | 722 |
Average total loans | $613,040,400 | 897 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2973% | 5,066 |
Cost of funding earning assets | 0.5298% | 4,025 |
Net interest margin | 2.7675% | 4,881 |
Noninterest income to average assets | 0.3007% | 3,937 |
Noninterest expense to average assets | 2.3004% | 3,949 |
Loan and lease loss provision to assets | 0.0148% | 3,612 |
Net operating income to assets | 0.4378% | 4,642 |
Return on assets (ROA) | 0.4404% | 4,674 |
Pretax return on assets | 0.5789% | 4,580 |
Return on Equity (ROE) | 4.2240% | 4,547 |
Retained earnings to average equity (ytd only) | 4.2240% | 3,289 |
Net charge-offs to loans | 0.0024% | 3,347 |
Credit loss provision to net charge-offs | 1,227.2727% | 295 |
Earnings coverage of net charge-offs (x) | 489.6040% | 202 |
Efficiency ratio | 79.5730% | 958 |
Assets per employee ($millions) | 10.2304% | 327 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5556% | 4,884 |
Loan loss allowance to noncurrent loans | 214.7664% | 1,989 |
Noncurrent assets plus other real estate owned to assets | 0.1275% | 4,087 |
Noncurrent loans to loans | 0.2587% | 3,611 |
Net loans and leases to total assets | 49.0296% | 4,479 |
Net loans and leases to deposits | 55.3549% | 4,578 |
Net loans and leases to core deposits | 60.0819% | 4,534 |
Total domestic deposits to total assets | 88.5732% | 794 |
Equity capital to assets | 10.0895% | 3,929 |
Core capital (leverage) ratio | 10.7545% | 2,887 |
Tier 1 risk-based capital ratio | 23.1340% | 933 |
Total risk-based capital ratio | 23.7315% | 982 |
Memoranda: | ||
Average total assets | $1,216,261,000 | 653 |
Average earning assets | $1,138,360,250 | 633 |
Average equity | $126,796,000 | 718 |
Average total loans | $608,648,500 | 905 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3090% | 5,122 |
Cost of funding earning assets | 0.4918% | 4,153 |
Net interest margin | 2.8172% | 4,913 |
Noninterest income to average assets | 0.3033% | 3,902 |
Noninterest expense to average assets | 2.3533% | 3,863 |
Loan and lease loss provision to assets | 0.0150% | 3,476 |
Net operating income to assets | 0.4300% | 4,673 |
Return on assets (ROA) | 0.4300% | 4,699 |
Pretax return on assets | 0.5681% | 4,598 |
Return on Equity (ROE) | 4.0792% | 4,562 |
Retained earnings to average equity (ytd only) | 4.0792% | 3,208 |
Net charge-offs to loans | 0.0003% | 3,169 |
Credit loss provision to net charge-offs | 9,000.0000% | 32 |
Earnings coverage of net charge-offs (x) | 3,505.0000% | 7 |
Efficiency ratio | 80.1428% | 953 |
Assets per employee ($millions) | 9.9918% | 334 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5582% | 4,941 |
Loan loss allowance to noncurrent loans | 198.2568% | 2,163 |
Noncurrent assets plus other real estate owned to assets | 0.1400% | 4,066 |
Noncurrent loans to loans | 0.2816% | 3,527 |
Net loans and leases to total assets | 49.4553% | 4,497 |
Net loans and leases to deposits | 55.9071% | 4,595 |
Net loans and leases to core deposits | 60.1893% | 4,567 |
Total domestic deposits to total assets | 88.4597% | 890 |
Equity capital to assets | 10.5862% | 3,446 |
Core capital (leverage) ratio | 10.9438% | 2,649 |
Tier 1 risk-based capital ratio | 23.5452% | 891 |
Total risk-based capital ratio | 24.1538% | 930 |
Memoranda: | ||
Average total assets | $1,202,233,330 | 662 |
Average earning assets | $1,123,660,330 | 645 |
Average equity | $126,741,000 | 714 |
Average total loans | $604,728,670 | 908 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3050% | 5,168 |
Cost of funding earning assets | 0.4407% | 4,330 |
Net interest margin | 2.8643% | 4,922 |
Noninterest income to average assets | 0.3180% | 3,732 |
Noninterest expense to average assets | 2.3145% | 3,979 |
Loan and lease loss provision to assets | 0.0151% | 3,237 |
Net operating income to assets | 0.4949% | 4,534 |
Return on assets (ROA) | 0.4949% | 4,555 |
Pretax return on assets | 0.6628% | 4,391 |
Return on Equity (ROE) | 4.7049% | 4,407 |
Retained earnings to average equity (ytd only) | 4.7049% | 3,038 |
Net charge-offs to loans | 0.0013% | 2,715 |
Credit loss provision to net charge-offs | 2,250.0000% | 194 |
Earnings coverage of net charge-offs (x) | 1,007.5000% | 52 |
Efficiency ratio | 77.3443% | 1,344 |
Assets per employee ($millions) | 9.7819% | 366 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5582% | 5,009 |
Loan loss allowance to noncurrent loans | 220.2880% | 2,026 |
Noncurrent assets plus other real estate owned to assets | 0.1280% | 4,157 |
Noncurrent loans to loans | 0.2534% | 3,655 |
Net loans and leases to total assets | 50.2441% | 4,448 |
Net loans and leases to deposits | 56.6597% | 4,565 |
Net loans and leases to core deposits | 60.2284% | 4,556 |
Total domestic deposits to total assets | 88.6770% | 1,008 |
Equity capital to assets | 10.6110% | 3,246 |
Core capital (leverage) ratio | 11.0727% | 2,509 |
Tier 1 risk-based capital ratio | 23.6889% | 865 |
Total risk-based capital ratio | 24.2979% | 912 |
Memoranda: | ||
Average total assets | $1,188,855,500 | 671 |
Average earning assets | $1,110,060,000 | 657 |
Average equity | $125,060,000 | 722 |
Average total loans | $601,487,000 | 918 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1075% | 5,186 |
Cost of funding earning assets | 0.2561% | 4,774 |
Net interest margin | 2.8514% | 4,969 |
Noninterest income to average assets | 0.3188% | 3,981 |
Noninterest expense to average assets | 2.3832% | 3,931 |
Loan and lease loss provision to assets | 0.0175% | 3,808 |
Net operating income to assets | 0.4733% | 4,720 |
Return on assets (ROA) | 0.5552% | 4,532 |
Pretax return on assets | 0.6739% | 4,479 |
Return on Equity (ROE) | 5.4761% | 4,333 |
Retained earnings to average equity (ytd only) | 5.4761% | 2,496 |
Net charge-offs to loans | 0.0066% | 3,451 |
Credit loss provision to net charge-offs | 525.6410% | 665 |
Earnings coverage of net charge-offs (x) | 178.0256% | 490 |
Efficiency ratio | 80.1174% | 951 |
Assets per employee ($millions) | 9.7075% | 371 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5538% | 5,053 |
Loan loss allowance to noncurrent loans | 230.9243% | 2,015 |
Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,216 |
Noncurrent loans to loans | 0.2398% | 3,723 |
Net loans and leases to total assets | 50.3813% | 4,495 |
Net loans and leases to deposits | 56.7937% | 4,629 |
Net loans and leases to core deposits | 59.7397% | 4,641 |
Total domestic deposits to total assets | 88.7094% | 975 |
Equity capital to assets | 10.4270% | 3,257 |
Core capital (leverage) ratio | 11.0431% | 2,487 |
Tier 1 risk-based capital ratio | 23.3799% | 871 |
Total risk-based capital ratio | 23.9802% | 912 |
Memoranda: | ||
Average total assets | $1,173,939,000 | 654 |
Average earning assets | $1,093,436,200 | 647 |
Average equity | $119,027,400 | 726 |
Average total loans | $589,303,600 | 912 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0624% | 5,264 |
Cost of funding earning assets | 0.2259% | 4,913 |
Net interest margin | 2.8366% | 5,047 |
Noninterest income to average assets | 0.3036% | 4,116 |
Noninterest expense to average assets | 2.3982% | 3,859 |
Loan and lease loss provision to assets | 0.0154% | 3,703 |
Net operating income to assets | 0.4514% | 4,850 |
Return on assets (ROA) | 0.5649% | 4,610 |
Pretax return on assets | 0.6654% | 4,613 |
Return on Equity (ROE) | 5.6120% | 4,382 |
Retained earnings to average equity (ytd only) | 5.6120% | 2,879 |
Net charge-offs to loans | 0.0025% | 3,393 |
Credit loss provision to net charge-offs | 1,227.2727% | 331 |
Earnings coverage of net charge-offs (x) | 436.9809% | 212 |
Efficiency ratio | 81.4198% | 822 |
Assets per employee ($millions) | 9.3105% | 398 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5566% | 5,114 |
Loan loss allowance to noncurrent loans | 229.6011% | 2,030 |
Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,353 |
Noncurrent loans to loans | 0.2424% | 3,828 |
Net loans and leases to total assets | 50.3699% | 4,567 |
Net loans and leases to deposits | 56.6414% | 4,714 |
Net loans and leases to core deposits | 59.0362% | 4,739 |
Total domestic deposits to total assets | 88.9277% | 869 |
Equity capital to assets | 10.2271% | 3,424 |
Core capital (leverage) ratio | 10.8656% | 2,709 |
Tier 1 risk-based capital ratio | 23.4457% | 899 |
Total risk-based capital ratio | 24.0472% | 934 |
Memoranda: | ||
Average total assets | $1,171,344,250 | 648 |
Average earning assets | $1,090,953,500 | 647 |
Average equity | $117,912,000 | 724 |
Average total loans | $586,630,000 | 917 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0066% | 5,332 |
Cost of funding earning assets | 0.2078% | 4,993 |
Net interest margin | 2.7987% | 5,120 |
Noninterest income to average assets | 0.3031% | 4,150 |
Noninterest expense to average assets | 2.3422% | 4,040 |
Loan and lease loss provision to assets | 0.0153% | 3,574 |
Net operating income to assets | 0.3887% | 4,979 |
Return on assets (ROA) | 0.5466% | 4,639 |
Pretax return on assets | 0.7521% | 4,383 |
Return on Equity (ROE) | 5.4585% | 4,422 |
Retained earnings to average equity (ytd only) | 5.4585% | 2,844 |
Net charge-offs to loans | 0.0031% | 3,075 |
Credit loss provision to net charge-offs | 1,000.0000% | 401 |
Earnings coverage of net charge-offs (x) | 370.1111% | 247 |
Efficiency ratio | 80.4954% | 961 |
Assets per employee ($millions) | 9.5027% | 376 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5478% | 5,200 |
Loan loss allowance to noncurrent loans | 159.6647% | 2,664 |
Noncurrent assets plus other real estate owned to assets | 0.1779% | 4,093 |
Noncurrent loans to loans | 0.3431% | 3,467 |
Net loans and leases to total assets | 50.2902% | 4,589 |
Net loans and leases to deposits | 57.3000% | 4,679 |
Net loans and leases to core deposits | 59.2717% | 4,739 |
Total domestic deposits to total assets | 87.7665% | 1,494 |
Equity capital to assets | 10.0864% | 3,549 |
Core capital (leverage) ratio | 10.7843% | 2,716 |
Tier 1 risk-based capital ratio | 22.9861% | 935 |
Total risk-based capital ratio | 23.5762% | 983 |
Memoranda: | ||
Average total assets | $1,173,853,330 | 653 |
Average earning assets | $1,093,274,670 | 647 |
Average equity | $117,541,000 | 728 |
Average total loans | $585,675,000 | 913 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9603% | 5,392 |
Cost of funding earning assets | 0.2006% | 5,013 |
Net interest margin | 2.7597% | 5,196 |
Noninterest income to average assets | 0.3121% | 4,069 |
Noninterest expense to average assets | 2.3360% | 4,096 |
Loan and lease loss provision to assets | 0.0153% | 3,330 |
Net operating income to assets | 0.3610% | 4,996 |
Return on assets (ROA) | 0.6763% | 4,187 |
Pretax return on assets | 0.9327% | 3,749 |
Return on Equity (ROE) | 6.7789% | 3,869 |
Retained earnings to average equity (ytd only) | 6.7789% | 2,376 |
Net charge-offs to loans | 0.0007% | 2,706 |
Credit loss provision to net charge-offs | 4,500.0000% | 81 |
Earnings coverage of net charge-offs (x) | 1,614.0000% | 31 |
Efficiency ratio | 80.9760% | 1,044 |
Assets per employee ($millions) | 9.7856% | 347 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5450% | 5,265 |
Loan loss allowance to noncurrent loans | 251.6509% | 1,883 |
Noncurrent assets plus other real estate owned to assets | 0.1127% | 4,532 |
Noncurrent loans to loans | 0.2166% | 4,001 |
Net loans and leases to total assets | 49.7435% | 4,580 |
Net loans and leases to deposits | 56.5825% | 4,669 |
Net loans and leases to core deposits | 58.3389% | 4,737 |
Total domestic deposits to total assets | 87.9133% | 1,670 |
Equity capital to assets | 9.9836% | 3,612 |
Core capital (leverage) ratio | 10.6919% | 2,748 |
Tier 1 risk-based capital ratio | 22.7250% | 965 |
Total risk-based capital ratio | 23.3076% | 1,023 |
Memoranda: | ||
Average total assets | $1,176,362,000 | 656 |
Average earning assets | $1,096,632,000 | 648 |
Average equity | $117,364,500 | 728 |
Average total loans | $582,988,500 | 923 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8634% | 5,434 |
Cost of funding earning assets | 0.1859% | 5,058 |
Net interest margin | 2.6775% | 5,290 |
Noninterest income to average assets | 0.3119% | 4,227 |
Noninterest expense to average assets | 2.3792% | 4,132 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | -0.0481% | 5,394 |
Return on assets (ROA) | 0.5872% | 4,105 |
Pretax return on assets | 1.4214% | 1,923 |
Return on Equity (ROE) | 5.8646% | 3,819 |
Retained earnings to average equity (ytd only) | 5.8646% | 1,617 |
Net charge-offs to loans | 0.0097% | 3,745 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | 90.6000% | 693 |
Efficiency ratio | 84.7344% | 714 |
Assets per employee ($millions) | 9.6594% | 359 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5456% | 5,329 |
Loan loss allowance to noncurrent loans | 171.2968% | 2,569 |
Noncurrent assets plus other real estate owned to assets | 0.1564% | 4,355 |
Noncurrent loans to loans | 0.3185% | 3,638 |
Net loans and leases to total assets | 48.8348% | 4,714 |
Net loans and leases to deposits | 55.6102% | 4,821 |
Net loans and leases to core deposits | 57.3331% | 4,883 |
Total domestic deposits to total assets | 87.8163% | 1,600 |
Equity capital to assets | 9.9753% | 3,738 |
Core capital (leverage) ratio | 10.4781% | 2,861 |
Tier 1 risk-based capital ratio | 22.7513% | 941 |
Total risk-based capital ratio | 23.3360% | 988 |
Memoranda: | ||
Average total assets | $1,162,537,800 | 643 |
Average earning assets | $1,083,705,800 | 629 |
Average equity | $116,411,200 | 703 |
Average total loans | $565,532,200 | 913 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8508% | 5,502 |
Cost of funding earning assets | 0.1816% | 5,127 |
Net interest margin | 2.6692% | 5,353 |
Noninterest income to average assets | 0.3021% | 4,368 |
Noninterest expense to average assets | 2.3598% | 4,119 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.2226% | 5,332 |
Return on assets (ROA) | 1.0757% | 2,250 |
Pretax return on assets | 1.7635% | 973 |
Return on Equity (ROE) | 10.7318% | 1,811 |
Retained earnings to average equity (ytd only) | 10.7318% | 453 |
Net charge-offs to loans | 0.0002% | 3,793 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | 3,751.2857% | 16 |
Efficiency ratio | 84.5672% | 714 |
Assets per employee ($millions) | 9.4795% | 370 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5628% | 5,388 |
Loan loss allowance to noncurrent loans | 406.4557% | 1,246 |
Noncurrent assets plus other real estate owned to assets | 0.0678% | 4,891 |
Noncurrent loans to loans | 0.1385% | 4,499 |
Net loans and leases to total assets | 48.6557% | 4,787 |
Net loans and leases to deposits | 55.5793% | 4,889 |
Net loans and leases to core deposits | 57.3167% | 4,937 |
Total domestic deposits to total assets | 87.5429% | 1,614 |
Equity capital to assets | 10.3281% | 3,562 |
Core capital (leverage) ratio | 10.6691% | 2,803 |
Tier 1 risk-based capital ratio | 23.1616% | 932 |
Total risk-based capital ratio | 23.7598% | 981 |
Memoranda: | ||
Average total assets | $1,158,560,000 | 647 |
Average earning assets | $1,080,054,750 | 633 |
Average equity | $116,125,500 | 708 |
Average total loans | $562,252,750 | 913 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8262% | 5,547 |
Cost of funding earning assets | 0.1770% | 5,163 |
Net interest margin | 2.6492% | 5,407 |
Noninterest income to average assets | 0.2965% | 4,419 |
Noninterest expense to average assets | 2.3984% | 4,053 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.1586% | 5,445 |
Return on assets (ROA) | 1.4409% | 1,003 |
Pretax return on assets | 2.3718% | 267 |
Return on Equity (ROE) | 14.5240% | 734 |
Retained earnings to average equity (ytd only) | 14.5240% | 158 |
Net charge-offs to loans | -0.0004% | 4,114 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.6933% | 635 |
Assets per employee ($millions) | 9.5576% | 344 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5732% | 5,420 |
Loan loss allowance to noncurrent loans | 149.1643% | 2,796 |
Noncurrent assets plus other real estate owned to assets | 0.1847% | 4,438 |
Noncurrent loans to loans | 0.3843% | 3,647 |
Net loans and leases to total assets | 47.7964% | 4,837 |
Net loans and leases to deposits | 54.5250% | 4,932 |
Net loans and leases to core deposits | 56.2171% | 4,983 |
Total domestic deposits to total assets | 87.6595% | 1,638 |
Equity capital to assets | 10.1104% | 3,782 |
Core capital (leverage) ratio | 10.6734% | 2,733 |
Tier 1 risk-based capital ratio | 23.1326% | 932 |
Total risk-based capital ratio | 23.7354% | 979 |
Memoranda: | ||
Average total assets | $1,156,085,670 | 648 |
Average earning assets | $1,077,921,670 | 633 |
Average equity | $114,692,670 | 721 |
Average total loans | $559,494,330 | 918 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8188% | 5,589 |
Cost of funding earning assets | 0.1791% | 5,162 |
Net interest margin | 2.6397% | 5,442 |
Noninterest income to average assets | 0.3138% | 4,304 |
Noninterest expense to average assets | 2.5217% | 3,739 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.0088% | 5,597 |
Return on assets (ROA) | 2.5937% | 124 |
Pretax return on assets | 4.2943% | 69 |
Return on Equity (ROE) | 26.3992% | 69 |
Retained earnings to average equity (ytd only) | 26.3992% | 42 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.8033% | 517 |
Assets per employee ($millions) | 9.3953% | 372 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5725% | 5,518 |
Loan loss allowance to noncurrent loans | 116.7151% | 3,332 |
Noncurrent assets plus other real estate owned to assets | 0.2381% | 4,274 |
Noncurrent loans to loans | 0.4905% | 3,332 |
Net loans and leases to total assets | 48.2705% | 4,801 |
Net loans and leases to deposits | 55.0507% | 4,876 |
Net loans and leases to core deposits | 56.8055% | 4,935 |
Total domestic deposits to total assets | 87.6836% | 1,895 |
Equity capital to assets | 10.0993% | 3,625 |
Core capital (leverage) ratio | 10.6565% | 2,729 |
Tier 1 risk-based capital ratio | 23.1222% | 960 |
Total risk-based capital ratio | 23.7302% | 1,016 |
Memoranda: | ||
Average total assets | $1,151,117,500 | 651 |
Average earning assets | $1,074,215,500 | 640 |
Average equity | $113,094,500 | 728 |
Average total loans | $558,977,000 | 918 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8290% | 5,627 |
Cost of funding earning assets | 0.1966% | 5,047 |
Net interest margin | 2.6324% | 5,487 |
Noninterest income to average assets | 0.3158% | 4,473 |
Noninterest expense to average assets | 2.3629% | 4,393 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.2641% | 5,295 |
Return on assets (ROA) | 0.2737% | 5,347 |
Pretax return on assets | 0.4217% | 5,183 |
Return on Equity (ROE) | 2.8069% | 5,211 |
Retained earnings to average equity (ytd only) | 2.8069% | 3,903 |
Net charge-offs to loans | 0.0027% | 4,172 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | 307.3333% | 251 |
Efficiency ratio | 85.3091% | 876 |
Assets per employee ($millions) | 9.3985% | 376 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5767% | 5,570 |
Loan loss allowance to noncurrent loans | 121.8975% | 3,224 |
Noncurrent assets plus other real estate owned to assets | 0.2298% | 4,388 |
Noncurrent loans to loans | 0.4731% | 3,454 |
Net loans and leases to total assets | 48.2906% | 4,874 |
Net loans and leases to deposits | 54.6443% | 4,982 |
Net loans and leases to core deposits | 56.3370% | 5,038 |
Total domestic deposits to total assets | 88.3726% | 1,456 |
Equity capital to assets | 9.5481% | 4,220 |
Core capital (leverage) ratio | 10.0630% | 3,411 |
Tier 1 risk-based capital ratio | 22.3429% | 1,036 |
Total risk-based capital ratio | 22.9665% | 1,092 |
Memoranda: | ||
Average total assets | $1,132,939,000 | 634 |
Average earning assets | $1,056,139,200 | 625 |
Average equity | $110,478,200 | 724 |
Average total loans | $555,455,200 | 894 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8593% | 5,685 |
Cost of funding earning assets | 0.1989% | 5,082 |
Net interest margin | 2.6605% | 5,534 |
Noninterest income to average assets | 0.3077% | 4,572 |
Noninterest expense to average assets | 2.3247% | 4,477 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.2901% | 5,304 |
Return on assets (ROA) | 0.3028% | 5,365 |
Pretax return on assets | 0.4823% | 5,166 |
Return on Equity (ROE) | 3.0886% | 5,196 |
Retained earnings to average equity (ytd only) | 3.0886% | 4,063 |
Net charge-offs to loans | 0.0031% | 3,823 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | 301.4351% | 271 |
Efficiency ratio | 83.4067% | 1,035 |
Assets per employee ($millions) | 9.2989% | 375 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5763% | 5,635 |
Loan loss allowance to noncurrent loans | 188.5044% | 2,340 |
Noncurrent assets plus other real estate owned to assets | 0.1491% | 4,845 |
Noncurrent loans to loans | 0.3057% | 4,157 |
Net loans and leases to total assets | 48.4798% | 4,926 |
Net loans and leases to deposits | 54.8911% | 5,060 |
Net loans and leases to core deposits | 56.6937% | 5,112 |
Total domestic deposits to total assets | 88.3199% | 1,225 |
Equity capital to assets | 9.6901% | 4,473 |
Core capital (leverage) ratio | 10.1116% | 3,430 |
Tier 1 risk-based capital ratio | 22.4505% | 1,069 |
Total risk-based capital ratio | 23.0804% | 1,138 |
Memoranda: | ||
Average total assets | $1,129,520,000 | 634 |
Average earning assets | $1,052,665,750 | 624 |
Average equity | $110,727,750 | 727 |
Average total loans | $555,089,250 | 893 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8805% | 5,748 |
Cost of funding earning assets | 0.2000% | 5,145 |
Net interest margin | 2.6805% | 5,595 |
Noninterest income to average assets | 0.3110% | 4,551 |
Noninterest expense to average assets | 2.3105% | 4,583 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.3132% | 5,283 |
Return on assets (ROA) | 0.3323% | 5,313 |
Pretax return on assets | 0.5281% | 5,079 |
Return on Equity (ROE) | 3.3769% | 5,134 |
Retained earnings to average equity (ytd only) | 3.3769% | 3,745 |
Net charge-offs to loans | 0.0036% | 3,580 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | 280.2000% | 245 |
Efficiency ratio | 82.2613% | 1,240 |
Assets per employee ($millions) | 9.4230% | 338 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5724% | 5,715 |
Loan loss allowance to noncurrent loans | 172.7712% | 2,574 |
Noncurrent assets plus other real estate owned to assets | 0.1647% | 4,851 |
Noncurrent loans to loans | 0.3313% | 4,179 |
Net loans and leases to total assets | 49.4159% | 4,881 |
Net loans and leases to deposits | 55.8782% | 5,023 |
Net loans and leases to core deposits | 57.7657% | 5,082 |
Total domestic deposits to total assets | 88.4351% | 1,209 |
Equity capital to assets | 9.9492% | 4,290 |
Core capital (leverage) ratio | 10.1740% | 3,359 |
Tier 1 risk-based capital ratio | 21.9800% | 1,139 |
Total risk-based capital ratio | 22.6011% | 1,197 |
Memoranda: | ||
Average total assets | $1,124,772,670 | 641 |
Average earning assets | $1,048,070,000 | 625 |
Average equity | $110,693,000 | 729 |
Average total loans | $554,216,670 | 890 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9226% | 5,760 |
Cost of funding earning assets | 0.2010% | 5,196 |
Net interest margin | 2.7217% | 5,585 |
Noninterest income to average assets | 0.3284% | 4,381 |
Noninterest expense to average assets | 2.3135% | 4,623 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.3463% | 5,161 |
Return on assets (ROA) | 0.3534% | 5,220 |
Pretax return on assets | 0.5613% | 4,921 |
Return on Equity (ROE) | 3.6106% | 5,029 |
Retained earnings to average equity (ytd only) | 3.6106% | 3,689 |
Net charge-offs to loans | 0.0029% | 3,019 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 385.7500% | 157 |
Efficiency ratio | 80.7870% | 1,514 |
Assets per employee ($millions) | 9.4102% | 343 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5813% | 5,770 |
Loan loss allowance to noncurrent loans | 164.3549% | 2,579 |
Noncurrent assets plus other real estate owned to assets | 0.1751% | 4,868 |
Noncurrent loans to loans | 0.3537% | 4,162 |
Net loans and leases to total assets | 49.2246% | 4,869 |
Net loans and leases to deposits | 55.6218% | 5,008 |
Net loans and leases to core deposits | 57.7393% | 5,064 |
Total domestic deposits to total assets | 88.4988% | 1,356 |
Equity capital to assets | 9.9234% | 4,183 |
Core capital (leverage) ratio | 10.1575% | 3,360 |
Tier 1 risk-based capital ratio | 22.0288% | 1,151 |
Total risk-based capital ratio | 22.6572% | 1,225 |
Memoranda: | ||
Average total assets | $1,121,778,000 | 646 |
Average earning assets | $1,044,943,000 | 633 |
Average equity | $109,788,500 | 736 |
Average total loans | $550,328,500 | 895 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8541% | 5,847 |
Cost of funding earning assets | 0.2125% | 5,171 |
Net interest margin | 2.6417% | 5,720 |
Noninterest income to average assets | 0.3399% | 4,478 |
Noninterest expense to average assets | 2.2857% | 4,828 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.3495% | 5,218 |
Return on assets (ROA) | 0.3526% | 5,296 |
Pretax return on assets | 0.5163% | 5,076 |
Return on Equity (ROE) | 3.6102% | 5,102 |
Retained earnings to average equity (ytd only) | 3.6102% | 3,491 |
Net charge-offs to loans | 0.0024% | 4,389 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 435.9231% | 151 |
Efficiency ratio | 81.7087% | 1,444 |
Assets per employee ($millions) | 9.2871% | 347 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5908% | 5,808 |
Loan loss allowance to noncurrent loans | 167.1155% | 2,593 |
Noncurrent assets plus other real estate owned to assets | 0.1718% | 4,916 |
Noncurrent loans to loans | 0.3535% | 4,193 |
Net loans and leases to total assets | 48.3191% | 4,988 |
Net loans and leases to deposits | 54.4169% | 5,139 |
Net loans and leases to core deposits | 56.4497% | 5,175 |
Total domestic deposits to total assets | 88.7943% | 1,231 |
Equity capital to assets | 9.6511% | 4,370 |
Core capital (leverage) ratio | 9.9865% | 3,529 |
Tier 1 risk-based capital ratio | 21.9649% | 1,153 |
Total risk-based capital ratio | 22.5979% | 1,225 |
Memoranda: | ||
Average total assets | $1,107,523,800 | 633 |
Average earning assets | $1,030,329,000 | 626 |
Average equity | $108,166,600 | 713 |
Average total loans | $535,246,000 | 876 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8521% | 5,928 |
Cost of funding earning assets | 0.2140% | 5,245 |
Net interest margin | 2.6381% | 5,795 |
Noninterest income to average assets | 0.3473% | 4,452 |
Noninterest expense to average assets | 2.2828% | 4,824 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.3547% | 5,305 |
Return on assets (ROA) | 0.3589% | 5,378 |
Pretax return on assets | 0.5249% | 5,162 |
Return on Equity (ROE) | 3.6634% | 5,152 |
Retained earnings to average equity (ytd only) | 3.6634% | 3,856 |
Net charge-offs to loans | 0.0010% | 4,160 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 1,073.8949% | 66 |
Efficiency ratio | 81.4845% | 1,468 |
Assets per employee ($millions) | 8.8779% | 386 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5988% | 5,895 |
Loan loss allowance to noncurrent loans | 201.9975% | 2,240 |
Noncurrent assets plus other real estate owned to assets | 0.1444% | 5,182 |
Noncurrent loans to loans | 0.2964% | 4,530 |
Net loans and leases to total assets | 48.4074% | 5,051 |
Net loans and leases to deposits | 54.8622% | 5,198 |
Net loans and leases to core deposits | 56.8851% | 5,256 |
Total domestic deposits to total assets | 88.2345% | 1,433 |
Equity capital to assets | 9.8210% | 4,369 |
Core capital (leverage) ratio | 10.0215% | 3,595 |
Tier 1 risk-based capital ratio | 22.1047% | 1,183 |
Total risk-based capital ratio | 22.7489% | 1,246 |
Memoranda: | ||
Average total assets | $1,103,469,000 | 640 |
Average earning assets | $1,026,578,750 | 633 |
Average equity | $108,095,000 | 722 |
Average total loans | $532,505,000 | 889 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8566% | 5,977 |
Cost of funding earning assets | 0.2165% | 5,291 |
Net interest margin | 2.6401% | 5,837 |
Noninterest income to average assets | 0.3407% | 4,518 |
Noninterest expense to average assets | 2.2768% | 4,903 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.3608% | 5,257 |
Return on assets (ROA) | 0.3608% | 5,373 |
Pretax return on assets | 0.5213% | 5,172 |
Return on Equity (ROE) | 3.6865% | 5,143 |
Retained earnings to average equity (ytd only) | 3.6865% | 3,677 |
Net charge-offs to loans | 0.0004% | 3,887 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 2,871.0000% | 13 |
Efficiency ratio | 81.3680% | 1,577 |
Assets per employee ($millions) | 8.9385% | 377 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6070% | 5,964 |
Loan loss allowance to noncurrent loans | 186.1494% | 2,360 |
Noncurrent assets plus other real estate owned to assets | 0.1583% | 5,244 |
Noncurrent loans to loans | 0.3261% | 4,529 |
Net loans and leases to total assets | 48.2391% | 5,082 |
Net loans and leases to deposits | 54.5644% | 5,221 |
Net loans and leases to core deposits | 56.6124% | 5,272 |
Total domestic deposits to total assets | 88.4076% | 1,437 |
Equity capital to assets | 9.9019% | 4,155 |
Core capital (leverage) ratio | 10.0247% | 3,562 |
Tier 1 risk-based capital ratio | 22.0915% | 1,192 |
Total risk-based capital ratio | 22.7416% | 1,268 |
Memoranda: | ||
Average total assets | $1,101,378,670 | 645 |
Average earning assets | $1,025,189,670 | 634 |
Average equity | $107,797,330 | 721 |
Average total loans | $529,862,670 | 898 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8781% | 6,014 |
Cost of funding earning assets | 0.2226% | 5,291 |
Net interest margin | 2.6555% | 5,855 |
Noninterest income to average assets | 0.3542% | 4,365 |
Noninterest expense to average assets | 2.3209% | 4,829 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.3531% | 5,241 |
Return on assets (ROA) | 0.3531% | 5,358 |
Pretax return on assets | 0.5051% | 5,172 |
Return on Equity (ROE) | 3.6284% | 5,133 |
Retained earnings to average equity (ytd only) | 3.6284% | 3,828 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.1263% | 1,600 |
Assets per employee ($millions) | 8.9434% | 367 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6156% | 6,041 |
Loan loss allowance to noncurrent loans | 129.0323% | 3,098 |
Noncurrent assets plus other real estate owned to assets | 0.2283% | 5,022 |
Noncurrent loans to loans | 0.4771% | 4,148 |
Net loans and leases to total assets | 47.5517% | 5,078 |
Net loans and leases to deposits | 53.7440% | 5,211 |
Net loans and leases to core deposits | 55.7683% | 5,264 |
Total domestic deposits to total assets | 88.4781% | 1,553 |
Equity capital to assets | 9.8424% | 4,334 |
Core capital (leverage) ratio | 9.9273% | 3,701 |
Tier 1 risk-based capital ratio | 22.0763% | 1,227 |
Total risk-based capital ratio | 22.7322% | 1,303 |
Memoranda: | ||
Average total assets | $1,102,350,000 | 642 |
Average earning assets | $1,026,099,500 | 628 |
Average equity | $107,263,500 | 720 |
Average total loans | $527,995,500 | 891 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9620% | 6,086 |
Cost of funding earning assets | 0.2682% | 5,123 |
Net interest margin | 2.6937% | 5,953 |
Noninterest income to average assets | 0.3509% | 4,597 |
Noninterest expense to average assets | 2.2139% | 5,317 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.4406% | 5,060 |
Return on assets (ROA) | 0.4578% | 5,075 |
Pretax return on assets | 0.6594% | 4,762 |
Return on Equity (ROE) | 4.8387% | 4,750 |
Retained earnings to average equity (ytd only) | 4.8387% | 2,727 |
Net charge-offs to loans | -0.0079% | 5,524 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.7232% | 2,246 |
Assets per employee ($millions) | 9.0546% | 335 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6117% | 6,127 |
Loan loss allowance to noncurrent loans | 121.2575% | 3,281 |
Noncurrent assets plus other real estate owned to assets | 0.2419% | 5,054 |
Noncurrent loans to loans | 0.5045% | 4,154 |
Net loans and leases to total assets | 47.6548% | 5,185 |
Net loans and leases to deposits | 53.7407% | 5,347 |
Net loans and leases to core deposits | 55.7852% | 5,400 |
Total domestic deposits to total assets | 88.6753% | 1,427 |
Equity capital to assets | 9.6190% | 4,567 |
Core capital (leverage) ratio | 9.6805% | 4,001 |
Tier 1 risk-based capital ratio | 21.5481% | 1,302 |
Total risk-based capital ratio | 22.2023% | 1,381 |
Memoranda: | ||
Average total assets | $1,094,189,400 | 615 |
Average earning assets | $1,014,466,600 | 600 |
Average equity | $103,519,800 | 703 |
Average total loans | $529,103,600 | 831 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9664% | 6,162 |
Cost of funding earning assets | 0.2744% | 5,161 |
Net interest margin | 2.6920% | 6,015 |
Noninterest income to average assets | 0.3581% | 4,569 |
Noninterest expense to average assets | 2.1882% | 5,377 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.4571% | 5,041 |
Return on assets (ROA) | 0.4800% | 5,028 |
Pretax return on assets | 0.6970% | 4,709 |
Return on Equity (ROE) | 5.0954% | 4,678 |
Retained earnings to average equity (ytd only) | 5.0954% | 3,026 |
Net charge-offs to loans | -0.0139% | 5,511 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.7271% | 2,382 |
Assets per employee ($millions) | 9.0182% | 333 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6130% | 6,207 |
Loan loss allowance to noncurrent loans | 107.9297% | 3,476 |
Noncurrent assets plus other real estate owned to assets | 0.2739% | 5,168 |
Noncurrent loans to loans | 0.5679% | 4,221 |
Net loans and leases to total assets | 47.9394% | 5,210 |
Net loans and leases to deposits | 53.9660% | 5,390 |
Net loans and leases to core deposits | 56.1935% | 5,434 |
Total domestic deposits to total assets | 88.8326% | 1,338 |
Equity capital to assets | 9.5328% | 4,753 |
Core capital (leverage) ratio | 9.6886% | 4,097 |
Tier 1 risk-based capital ratio | 21.5188% | 1,345 |
Total risk-based capital ratio | 22.1816% | 1,444 |
Memoranda: | ||
Average total assets | $1,091,571,750 | 616 |
Average earning assets | $1,011,214,500 | 601 |
Average equity | $102,835,500 | 709 |
Average total loans | $528,963,750 | 834 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9864% | 6,192 |
Cost of funding earning assets | 0.2835% | 5,146 |
Net interest margin | 2.7029% | 6,048 |
Noninterest income to average assets | 0.3711% | 4,467 |
Noninterest expense to average assets | 2.1738% | 5,477 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.4724% | 4,924 |
Return on assets (ROA) | 0.4800% | 4,962 |
Pretax return on assets | 0.7093% | 4,606 |
Return on Equity (ROE) | 5.1158% | 4,620 |
Retained earnings to average equity (ytd only) | 5.1158% | 2,887 |
Net charge-offs to loans | -0.0091% | 5,303 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.6924% | 2,692 |
Assets per employee ($millions) | 8.8590% | 348 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6128% | 6,296 |
Loan loss allowance to noncurrent loans | 96.5538% | 3,720 |
Noncurrent assets plus other real estate owned to assets | 0.3062% | 5,147 |
Noncurrent loans to loans | 0.6346% | 4,123 |
Net loans and leases to total assets | 47.9604% | 5,174 |
Net loans and leases to deposits | 54.0308% | 5,355 |
Net loans and leases to core deposits | 56.3409% | 5,388 |
Total domestic deposits to total assets | 88.7649% | 1,496 |
Equity capital to assets | 9.5299% | 4,713 |
Core capital (leverage) ratio | 9.6438% | 4,118 |
Tier 1 risk-based capital ratio | 21.5205% | 1,342 |
Total risk-based capital ratio | 22.1853% | 1,433 |
Memoranda: | ||
Average total assets | $1,088,689,670 | 618 |
Average earning assets | $1,007,292,670 | 603 |
Average equity | $102,153,330 | 710 |
Average total loans | $528,388,000 | 831 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0136% | 6,233 |
Cost of funding earning assets | 0.2935% | 5,138 |
Net interest margin | 2.7201% | 6,084 |
Noninterest income to average assets | 0.3779% | 4,362 |
Noninterest expense to average assets | 2.1750% | 5,528 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.4812% | 4,780 |
Return on assets (ROA) | 0.4812% | 4,855 |
Pretax return on assets | 0.7135% | 4,445 |
Return on Equity (ROE) | 5.1684% | 4,456 |
Retained earnings to average equity (ytd only) | 5.1684% | 3,011 |
Net charge-offs to loans | 0.0045% | 3,577 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 323.5000% | 149 |
Efficiency ratio | 75.2991% | 2,906 |
Assets per employee ($millions) | 8.6549% | 379 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6037% | 6,403 |
Loan loss allowance to noncurrent loans | 87.2608% | 3,962 |
Noncurrent assets plus other real estate owned to assets | 0.3381% | 5,132 |
Noncurrent loans to loans | 0.6918% | 4,144 |
Net loans and leases to total assets | 48.5810% | 5,054 |
Net loans and leases to deposits | 54.6629% | 5,221 |
Net loans and leases to core deposits | 57.0529% | 5,276 |
Total domestic deposits to total assets | 88.8739% | 1,739 |
Equity capital to assets | 9.4393% | 4,579 |
Core capital (leverage) ratio | 9.4900% | 4,296 |
Tier 1 risk-based capital ratio | 21.1836% | 1,438 |
Total risk-based capital ratio | 21.8402% | 1,533 |
Memoranda: | ||
Average total assets | $1,088,207,000 | 623 |
Average earning assets | $1,004,390,000 | 607 |
Average equity | $101,308,500 | 717 |
Average total loans | $529,669,500 | 828 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0379% | 6,303 |
Cost of funding earning assets | 0.4555% | 4,064 |
Net interest margin | 2.5824% | 6,280 |
Noninterest income to average assets | 0.3525% | 4,790 |
Noninterest expense to average assets | 2.2745% | 5,446 |
Loan and lease loss provision to assets | 0.0023% | 5,067 |
Net operating income to assets | 0.3647% | 5,280 |
Return on assets (ROA) | 0.3649% | 5,394 |
Pretax return on assets | 0.4694% | 5,297 |
Return on Equity (ROE) | 4.0406% | 5,091 |
Retained earnings to average equity (ytd only) | 4.0406% | 3,315 |
Net charge-offs to loans | 0.0232% | 4,965 |
Credit loss provision to net charge-offs | 20.4918% | 4,439 |
Earnings coverage of net charge-offs (x) | 42.3852% | 900 |
Efficiency ratio | 82.8331% | 1,770 |
Assets per employee ($millions) | 8.5512% | 387 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6027% | 6,468 |
Loan loss allowance to noncurrent loans | 101.5238% | 3,571 |
Noncurrent assets plus other real estate owned to assets | 0.3094% | 5,335 |
Noncurrent loans to loans | 0.5937% | 4,502 |
Net loans and leases to total assets | 48.1813% | 5,280 |
Net loans and leases to deposits | 54.0608% | 5,459 |
Net loans and leases to core deposits | 56.4648% | 5,498 |
Total domestic deposits to total assets | 89.1243% | 1,534 |
Equity capital to assets | 9.1815% | 4,828 |
Core capital (leverage) ratio | 9.3145% | 4,526 |
Tier 1 risk-based capital ratio | 20.7818% | 1,467 |
Total risk-based capital ratio | 21.4353% | 1,582 |
Memoranda: | ||
Average total assets | $1,096,991,800 | 599 |
Average earning assets | $1,016,676,600 | 589 |
Average equity | $99,069,600 | 712 |
Average total loans | $526,788,200 | 807 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0354% | 6,390 |
Cost of funding earning assets | 0.4950% | 3,814 |
Net interest margin | 2.5404% | 6,395 |
Noninterest income to average assets | 0.3615% | 4,804 |
Noninterest expense to average assets | 2.2439% | 5,497 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.3844% | 5,303 |
Return on assets (ROA) | 0.3847% | 5,442 |
Pretax return on assets | 0.4781% | 5,426 |
Return on Equity (ROE) | 4.2776% | 5,084 |
Retained earnings to average equity (ytd only) | 4.2776% | 3,634 |
Net charge-offs to loans | 0.0218% | 4,693 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 45.7341% | 919 |
Efficiency ratio | 82.4459% | 1,771 |
Assets per employee ($millions) | 8.2630% | 417 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6077% | 6,549 |
Loan loss allowance to noncurrent loans | 117.5027% | 3,072 |
Noncurrent assets plus other real estate owned to assets | 0.2485% | 5,700 |
Noncurrent loans to loans | 0.5172% | 4,900 |
Net loans and leases to total assets | 47.7541% | 5,378 |
Net loans and leases to deposits | 53.4050% | 5,595 |
Net loans and leases to core deposits | 56.1210% | 5,616 |
Total domestic deposits to total assets | 89.4188% | 1,343 |
Equity capital to assets | 8.9771% | 5,215 |
Core capital (leverage) ratio | 9.1234% | 4,934 |
Tier 1 risk-based capital ratio | 20.5439% | 1,592 |
Total risk-based capital ratio | 21.2006% | 1,720 |
Memoranda: | ||
Average total assets | $1,097,601,000 | 603 |
Average earning assets | $1,019,728,250 | 588 |
Average equity | $98,712,750 | 725 |
Average total loans | $525,843,000 | 806 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0678% | 6,379 |
Cost of funding earning assets | 0.5096% | 3,807 |
Net interest margin | 2.5582% | 6,375 |
Noninterest income to average assets | 0.3349% | 5,005 |
Noninterest expense to average assets | 2.2613% | 5,472 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.3945% | 5,236 |
Return on assets (ROA) | 0.3945% | 5,401 |
Pretax return on assets | 0.4493% | 5,521 |
Return on Equity (ROE) | 4.3836% | 5,053 |
Retained earnings to average equity (ytd only) | 4.3836% | 3,481 |
Net charge-offs to loans | 0.0137% | 4,575 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 68.4722% | 648 |
Efficiency ratio | 83.4230% | 1,703 |
Assets per employee ($millions) | 8.3913% | 394 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6261% | 6,581 |
Loan loss allowance to noncurrent loans | 127.6537% | 2,873 |
Noncurrent assets plus other real estate owned to assets | 0.2442% | 5,756 |
Noncurrent loans to loans | 0.4904% | 5,036 |
Net loans and leases to total assets | 47.0580% | 5,421 |
Net loans and leases to deposits | 52.8596% | 5,612 |
Net loans and leases to core deposits | 55.7118% | 5,622 |
Total domestic deposits to total assets | 89.0246% | 1,621 |
Equity capital to assets | 8.7462% | 5,491 |
Core capital (leverage) ratio | 9.0448% | 4,914 |
Tier 1 risk-based capital ratio | 20.1811% | 1,682 |
Total risk-based capital ratio | 20.8516% | 1,802 |
Memoranda: | ||
Average total assets | $1,097,141,330 | 605 |
Average earning assets | $1,018,912,330 | 589 |
Average equity | $98,731,330 | 725 |
Average total loans | $525,118,330 | 800 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1140% | 6,387 |
Cost of funding earning assets | 0.5176% | 3,902 |
Net interest margin | 2.5964% | 6,378 |
Noninterest income to average assets | 0.3525% | 4,860 |
Noninterest expense to average assets | 2.3195% | 5,370 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.4737% | 4,804 |
Return on assets (ROA) | 0.4737% | 4,971 |
Pretax return on assets | 0.4478% | 5,419 |
Return on Equity (ROE) | 5.1907% | 4,466 |
Retained earnings to average equity (ytd only) | 5.1907% | 3,118 |
Net charge-offs to loans | 0.0265% | 3,661 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 35.0571% | 880 |
Efficiency ratio | 83.8191% | 1,791 |
Assets per employee ($millions) | 8.3131% | 430 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6220% | 6,678 |
Loan loss allowance to noncurrent loans | 105.6041% | 3,209 |
Noncurrent assets plus other real estate owned to assets | 0.2933% | 5,693 |
Noncurrent loans to loans | 0.5890% | 4,966 |
Net loans and leases to total assets | 47.4624% | 5,285 |
Net loans and leases to deposits | 53.4511% | 5,477 |
Net loans and leases to core deposits | 56.3987% | 5,487 |
Total domestic deposits to total assets | 88.7959% | 1,800 |
Equity capital to assets | 9.1614% | 5,297 |
Core capital (leverage) ratio | 9.0510% | 4,803 |
Tier 1 risk-based capital ratio | 20.4486% | 1,664 |
Total risk-based capital ratio | 21.1317% | 1,774 |
Memoranda: | ||
Average total assets | $1,096,082,000 | 612 |
Average earning assets | $1,019,410,000 | 595 |
Average equity | $100,025,000 | 729 |
Average total loans | $527,403,000 | 797 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4690% | 6,389 |
Cost of funding earning assets | 0.5843% | 4,498 |
Net interest margin | 2.8847% | 6,251 |
Noninterest income to average assets | 0.3321% | 5,079 |
Noninterest expense to average assets | 2.2474% | 5,818 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.5147% | 4,621 |
Return on assets (ROA) | 0.5288% | 4,833 |
Pretax return on assets | 0.7897% | 4,331 |
Return on Equity (ROE) | 5.7475% | 4,281 |
Retained earnings to average equity (ytd only) | 5.7475% | 2,221 |
Net charge-offs to loans | 0.0397% | 5,363 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 38.3814% | 838 |
Efficiency ratio | 74.5143% | 2,985 |
Assets per employee ($millions) | 8.1704% | 469 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6208% | 6,730 |
Loan loss allowance to noncurrent loans | 98.6822% | 3,356 |
Noncurrent assets plus other real estate owned to assets | 0.3169% | 5,722 |
Noncurrent loans to loans | 0.6291% | 4,949 |
Net loans and leases to total assets | 48.1746% | 5,397 |
Net loans and leases to deposits | 54.2328% | 5,629 |
Net loans and leases to core deposits | 57.2559% | 5,615 |
Total domestic deposits to total assets | 88.8294% | 1,689 |
Equity capital to assets | 9.0899% | 5,417 |
Core capital (leverage) ratio | 9.0369% | 4,837 |
Tier 1 risk-based capital ratio | 20.3634% | 1,591 |
Total risk-based capital ratio | 21.0600% | 1,701 |
Memoranda: | ||
Average total assets | $1,073,547,600 | 611 |
Average earning assets | $998,844,800 | 589 |
Average equity | $98,773,400 | 719 |
Average total loans | $541,281,400 | 766 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5414% | 6,460 |
Cost of funding earning assets | 0.5966% | 4,688 |
Net interest margin | 2.9448% | 6,284 |
Noninterest income to average assets | 0.3366% | 5,110 |
Noninterest expense to average assets | 2.1995% | 5,951 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.5862% | 4,454 |
Return on assets (ROA) | 0.6051% | 4,635 |
Pretax return on assets | 0.9058% | 4,081 |
Return on Equity (ROE) | 6.5565% | 4,039 |
Retained earnings to average equity (ytd only) | 6.5565% | 2,357 |
Net charge-offs to loans | 0.0348% | 5,157 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 49.5137% | 758 |
Efficiency ratio | 71.4801% | 3,416 |
Assets per employee ($millions) | 8.1053% | 461 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6293% | 6,826 |
Loan loss allowance to noncurrent loans | 93.1158% | 3,439 |
Noncurrent assets plus other real estate owned to assets | 0.3503% | 5,808 |
Noncurrent loans to loans | 0.6759% | 5,092 |
Net loans and leases to total assets | 49.7067% | 5,347 |
Net loans and leases to deposits | 56.0876% | 5,629 |
Net loans and leases to core deposits | 59.3573% | 5,621 |
Total domestic deposits to total assets | 88.6234% | 1,643 |
Equity capital to assets | 9.4050% | 5,326 |
Core capital (leverage) ratio | 9.1108% | 4,897 |
Tier 1 risk-based capital ratio | 20.7323% | 1,591 |
Total risk-based capital ratio | 21.4538% | 1,675 |
Memoranda: | ||
Average total assets | $1,068,227,250 | 617 |
Average earning assets | $994,086,000 | 596 |
Average equity | $98,587,000 | 721 |
Average total loans | $543,920,500 | 766 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5972% | 6,491 |
Cost of funding earning assets | 0.6051% | 4,860 |
Net interest margin | 2.9921% | 6,259 |
Noninterest income to average assets | 0.3505% | 5,038 |
Noninterest expense to average assets | 2.1876% | 6,041 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.6286% | 4,236 |
Return on assets (ROA) | 0.6380% | 4,427 |
Pretax return on assets | 0.9608% | 3,847 |
Return on Equity (ROE) | 6.9575% | 3,805 |
Retained earnings to average equity (ytd only) | 6.9575% | 2,125 |
Net charge-offs to loans | 0.0402% | 4,815 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 45.9364% | 784 |
Efficiency ratio | 69.7986% | 3,799 |
Assets per employee ($millions) | 8.1263% | 444 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6272% | 6,905 |
Loan loss allowance to noncurrent loans | 75.3212% | 3,975 |
Noncurrent assets plus other real estate owned to assets | 0.4208% | 5,731 |
Noncurrent loans to loans | 0.8327% | 4,848 |
Net loans and leases to total assets | 50.2200% | 5,329 |
Net loans and leases to deposits | 56.6487% | 5,583 |
Net loans and leases to core deposits | 59.8577% | 5,606 |
Total domestic deposits to total assets | 88.6516% | 1,737 |
Equity capital to assets | 9.2832% | 5,346 |
Core capital (leverage) ratio | 9.0270% | 4,872 |
Tier 1 risk-based capital ratio | 20.4832% | 1,578 |
Total risk-based capital ratio | 21.2142% | 1,679 |
Memoranda: | ||
Average total assets | $1,067,671,670 | 621 |
Average earning assets | $993,276,330 | 598 |
Average equity | $97,908,330 | 730 |
Average total loans | $546,835,000 | 768 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6641% | 6,493 |
Cost of funding earning assets | 0.6088% | 5,061 |
Net interest margin | 3.0553% | 6,167 |
Noninterest income to average assets | 0.3748% | 4,859 |
Noninterest expense to average assets | 2.1897% | 6,069 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.6599% | 4,080 |
Return on assets (ROA) | 0.6748% | 4,221 |
Pretax return on assets | 1.0503% | 3,502 |
Return on Equity (ROE) | 7.4047% | 3,558 |
Retained earnings to average equity (ytd only) | 7.4047% | 2,226 |
Net charge-offs to loans | 0.0306% | 4,259 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 65.1190% | 516 |
Efficiency ratio | 68.0714% | 4,158 |
Assets per employee ($millions) | 7.9044% | 508 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6339% | 6,949 |
Loan loss allowance to noncurrent loans | 62.8033% | 4,380 |
Noncurrent assets plus other real estate owned to assets | 0.5396% | 5,528 |
Noncurrent loans to loans | 1.0093% | 4,655 |
Net loans and leases to total assets | 50.9472% | 5,168 |
Net loans and leases to deposits | 57.3940% | 5,452 |
Net loans and leases to core deposits | 60.7251% | 5,461 |
Total domestic deposits to total assets | 88.7674% | 1,839 |
Equity capital to assets | 9.2132% | 5,217 |
Core capital (leverage) ratio | 8.9246% | 4,954 |
Tier 1 risk-based capital ratio | 20.1274% | 1,677 |
Total risk-based capital ratio | 20.8717% | 1,777 |
Memoranda: | ||
Average total assets | $1,065,172,000 | 627 |
Average earning assets | $990,799,000 | 598 |
Average equity | $97,073,500 | 733 |
Average total loans | $549,205,000 | 758 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0271% | 6,408 |
Cost of funding earning assets | 0.6869% | 5,623 |
Net interest margin | 3.3402% | 5,682 |
Noninterest income to average assets | 0.3260% | 5,210 |
Noninterest expense to average assets | 2.1546% | 6,377 |
Loan and lease loss provision to assets | 0.0382% | 6,094 |
Net operating income to assets | 0.8328% | 2,903 |
Return on assets (ROA) | 0.8026% | 3,192 |
Pretax return on assets | 1.1933% | 2,486 |
Return on Equity (ROE) | 9.3214% | 2,318 |
Retained earnings to average equity (ytd only) | 9.3214% | 719 |
Net charge-offs to loans | 0.0479% | 5,827 |
Credit loss provision to net charge-offs | 145.9854% | 1,963 |
Earnings coverage of net charge-offs (x) | 48.7628% | 574 |
Efficiency ratio | 62.7941% | 5,331 |
Assets per employee ($millions) | 8.1164% | 452 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6367% | 6,976 |
Loan loss allowance to noncurrent loans | 71.2690% | 4,004 |
Noncurrent assets plus other real estate owned to assets | 0.4632% | 5,808 |
Noncurrent loans to loans | 0.8934% | 4,902 |
Net loans and leases to total assets | 51.5192% | 5,385 |
Net loans and leases to deposits | 57.8462% | 5,707 |
Net loans and leases to core deposits | 61.2151% | 5,732 |
Total domestic deposits to total assets | 89.0624% | 1,499 |
Equity capital to assets | 9.0132% | 5,539 |
Core capital (leverage) ratio | 8.8312% | 5,057 |
Tier 1 risk-based capital ratio | 20.0034% | 1,640 |
Total risk-based capital ratio | 20.7650% | 1,721 |
Memoranda: | ||
Average total assets | $1,046,591,600 | 632 |
Average earning assets | $972,962,400 | 607 |
Average equity | $90,115,000 | 749 |
Average total loans | $571,987,400 | 738 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1046% | 6,404 |
Cost of funding earning assets | 0.7044% | 5,736 |
Net interest margin | 3.4002% | 5,571 |
Noninterest income to average assets | 0.3369% | 5,163 |
Noninterest expense to average assets | 2.1123% | 6,484 |
Loan and lease loss provision to assets | 0.0460% | 5,865 |
Net operating income to assets | 0.8994% | 2,741 |
Return on assets (ROA) | 0.8622% | 3,052 |
Pretax return on assets | 1.2839% | 2,348 |
Return on Equity (ROE) | 10.1344% | 2,152 |
Retained earnings to average equity (ytd only) | 10.1344% | 809 |
Net charge-offs to loans | 0.0476% | 5,512 |
Credit loss provision to net charge-offs | 174.7573% | 1,704 |
Earnings coverage of net charge-offs (x) | 52.5825% | 622 |
Efficiency ratio | 60.3905% | 5,651 |
Assets per employee ($millions) | 7.8964% | 489 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6312% | 7,047 |
Loan loss allowance to noncurrent loans | 83.9981% | 3,430 |
Noncurrent assets plus other real estate owned to assets | 0.4011% | 6,076 |
Noncurrent loans to loans | 0.7514% | 5,374 |
Net loans and leases to total assets | 53.0354% | 5,315 |
Net loans and leases to deposits | 59.4828% | 5,691 |
Net loans and leases to core deposits | 63.0175% | 5,715 |
Total domestic deposits to total assets | 89.1608% | 1,325 |
Equity capital to assets | 8.8954% | 5,866 |
Core capital (leverage) ratio | 8.7828% | 5,290 |
Tier 1 risk-based capital ratio | 19.7899% | 1,737 |
Total risk-based capital ratio | 20.5600% | 1,821 |
Memoranda: | ||
Average total assets | $1,042,427,500 | 643 |
Average earning assets | $969,064,000 | 617 |
Average equity | $88,685,500 | 763 |
Average total loans | $577,162,500 | 739 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1884% | 6,301 |
Cost of funding earning assets | 0.7230% | 5,819 |
Net interest margin | 3.4655% | 5,302 |
Noninterest income to average assets | 0.3479% | 5,103 |
Noninterest expense to average assets | 2.1575% | 6,490 |
Loan and lease loss provision to assets | 0.0462% | 5,730 |
Net operating income to assets | 0.8881% | 2,695 |
Return on assets (ROA) | 0.7578% | 3,384 |
Pretax return on assets | 1.1635% | 2,628 |
Return on Equity (ROE) | 9.0464% | 2,493 |
Retained earnings to average equity (ytd only) | 9.0464% | 1,089 |
Net charge-offs to loans | 0.0165% | 5,611 |
Credit loss provision to net charge-offs | 500.0000% | 604 |
Earnings coverage of net charge-offs (x) | 152.7292% | 235 |
Efficiency ratio | 60.4755% | 5,803 |
Assets per employee ($millions) | 7.8148% | 491 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6239% | 7,116 |
Loan loss allowance to noncurrent loans | 70.2140% | 3,937 |
Noncurrent assets plus other real estate owned to assets | 0.4864% | 5,949 |
Noncurrent loans to loans | 0.8886% | 5,195 |
Net loans and leases to total assets | 54.3924% | 5,237 |
Net loans and leases to deposits | 60.7249% | 5,646 |
Net loans and leases to core deposits | 64.4798% | 5,674 |
Total domestic deposits to total assets | 89.5718% | 1,202 |
Equity capital to assets | 8.6384% | 6,015 |
Core capital (leverage) ratio | 8.5499% | 5,476 |
Tier 1 risk-based capital ratio | 18.5965% | 1,967 |
Total risk-based capital ratio | 19.3494% | 2,093 |
Memoranda: | ||
Average total assets | $1,039,828,670 | 647 |
Average earning assets | $966,041,000 | 629 |
Average equity | $87,106,670 | 772 |
Average total loans | $582,707,330 | 738 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2222% | 6,231 |
Cost of funding earning assets | 0.7405% | 5,923 |
Net interest margin | 3.4817% | 5,093 |
Noninterest income to average assets | 0.3907% | 4,780 |
Noninterest expense to average assets | 2.2043% | 6,414 |
Loan and lease loss provision to assets | 0.0463% | 5,424 |
Net operating income to assets | 0.8543% | 2,756 |
Return on assets (ROA) | 0.8296% | 2,944 |
Pretax return on assets | 1.3357% | 1,922 |
Return on Equity (ROE) | 10.0620% | 2,071 |
Retained earnings to average equity (ytd only) | 10.0620% | 1,106 |
Net charge-offs to loans | 0.0082% | 4,997 |
Credit loss provision to net charge-offs | 1,000.0000% | 373 |
Earnings coverage of net charge-offs (x) | 306.6667% | 96 |
Efficiency ratio | 60.8094% | 5,859 |
Assets per employee ($millions) | 7.6956% | 538 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5996% | 7,205 |
Loan loss allowance to noncurrent loans | 42.1485% | 5,489 |
Noncurrent assets plus other real estate owned to assets | 0.8034% | 5,301 |
Noncurrent loans to loans | 1.4226% | 4,333 |
Net loans and leases to total assets | 56.1358% | 4,971 |
Net loans and leases to deposits | 62.4218% | 5,452 |
Net loans and leases to core deposits | 66.3437% | 5,474 |
Total domestic deposits to total assets | 89.9298% | 1,187 |
Equity capital to assets | 8.3526% | 6,101 |
Core capital (leverage) ratio | 8.3763% | 5,674 |
Tier 1 risk-based capital ratio | 17.9474% | 2,132 |
Total risk-based capital ratio | 18.6744% | 2,298 |
Memoranda: | ||
Average total assets | $1,036,151,000 | 652 |
Average earning assets | $962,530,000 | 636 |
Average equity | $85,430,000 | 778 |
Average total loans | $587,478,500 | 736 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5565% | 6,231 |
Cost of funding earning assets | 0.9369% | 5,999 |
Net interest margin | 3.6197% | 4,723 |
Noninterest income to average assets | 0.3457% | 5,328 |
Noninterest expense to average assets | 2.2303% | 6,539 |
Loan and lease loss provision to assets | 0.0539% | 6,606 |
Net operating income to assets | 1.0300% | 1,934 |
Return on assets (ROA) | 0.0426% | 5,860 |
Pretax return on assets | -0.1057% | 6,002 |
Return on Equity (ROE) | 0.5415% | 5,821 |
Retained earnings to average equity (ytd only) | 0.5415% | 5,306 |
Net charge-offs to loans | 0.0806% | 6,018 |
Credit loss provision to net charge-offs | 115.1515% | 3,762 |
Earnings coverage of net charge-offs (x) | 31.8545% | 699 |
Efficiency ratio | 59.9350% | 6,061 |
Assets per employee ($millions) | 7.7693% | 531 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5711% | 7,297 |
Loan loss allowance to noncurrent loans | 43.4794% | 5,419 |
Noncurrent assets plus other real estate owned to assets | 0.7476% | 5,514 |
Noncurrent loans to loans | 1.3134% | 4,519 |
Net loans and leases to total assets | 56.5947% | 5,244 |
Net loans and leases to deposits | 62.8845% | 5,756 |
Net loans and leases to core deposits | 67.3885% | 5,729 |
Total domestic deposits to total assets | 89.9979% | 1,103 |
Equity capital to assets | 8.1383% | 6,334 |
Core capital (leverage) ratio | 7.8850% | 6,340 |
Tier 1 risk-based capital ratio | 15.6987% | 2,894 |
Total risk-based capital ratio | 16.3452% | 3,139 |
Memoranda: | ||
Average total assets | $1,057,601,200 | 638 |
Average earning assets | $986,277,200 | 605 |
Average equity | $83,283,600 | 795 |
Average total loans | $614,136,800 | 722 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6050% | 6,322 |
Cost of funding earning assets | 0.9647% | 6,113 |
Net interest margin | 3.6403% | 4,673 |
Noninterest income to average assets | 0.3414% | 5,439 |
Noninterest expense to average assets | 2.1410% | 6,755 |
Loan and lease loss provision to assets | 0.0377% | 6,705 |
Net operating income to assets | 1.3448% | 1,241 |
Return on assets (ROA) | 0.4322% | 4,799 |
Pretax return on assets | 0.5003% | 4,924 |
Return on Equity (ROE) | 5.5343% | 4,026 |
Retained earnings to average equity (ytd only) | 5.5343% | 2,630 |
Net charge-offs to loans | 0.1016% | 5,513 |
Credit loss provision to net charge-offs | 63.5593% | 5,604 |
Earnings coverage of net charge-offs (x) | 26.9787% | 946 |
Efficiency ratio | 57.2441% | 6,384 |
Assets per employee ($millions) | 7.5947% | 600 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5133% | 7,440 |
Loan loss allowance to noncurrent loans | 40.7826% | 5,574 |
Noncurrent assets plus other real estate owned to assets | 0.7286% | 5,653 |
Noncurrent loans to loans | 1.2585% | 4,750 |
Net loans and leases to total assets | 57.5979% | 5,320 |
Net loans and leases to deposits | 63.9449% | 5,922 |
Net loans and leases to core deposits | 68.8898% | 5,853 |
Total domestic deposits to total assets | 90.0743% | 841 |
Equity capital to assets | 8.2237% | 6,586 |
Core capital (leverage) ratio | 8.2663% | 5,934 |
Tier 1 risk-based capital ratio | 14.9197% | 3,291 |
Total risk-based capital ratio | 15.4560% | 3,657 |
Memoranda: | ||
Average total assets | $1,061,729,500 | 629 |
Average earning assets | $991,250,750 | 601 |
Average equity | $82,922,750 | 799 |
Average total loans | $619,524,750 | 719 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6573% | 6,285 |
Cost of funding earning assets | 0.9710% | 6,284 |
Net interest margin | 3.6863% | 4,424 |
Noninterest income to average assets | 0.3380% | 5,446 |
Noninterest expense to average assets | 2.1454% | 6,777 |
Loan and lease loss provision to assets | 0.0282% | 6,664 |
Net operating income to assets | 0.9584% | 2,337 |
Return on assets (ROA) | 0.4618% | 4,657 |
Pretax return on assets | 0.8325% | 3,767 |
Return on Equity (ROE) | 6.0177% | 3,797 |
Retained earnings to average equity (ytd only) | 6.0177% | 2,318 |
Net charge-offs to loans | 0.1353% | 4,861 |
Credit loss provision to net charge-offs | 35.6295% | 5,666 |
Earnings coverage of net charge-offs (x) | 20.6770% | 1,204 |
Efficiency ratio | 56.7260% | 6,540 |
Assets per employee ($millions) | 7.7428% | 559 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4884% | 7,519 |
Loan loss allowance to noncurrent loans | 47.4391% | 5,134 |
Noncurrent assets plus other real estate owned to assets | 0.5993% | 5,993 |
Noncurrent loans to loans | 1.0294% | 5,246 |
Net loans and leases to total assets | 57.9365% | 5,426 |
Net loans and leases to deposits | 64.7592% | 5,939 |
Net loans and leases to core deposits | 70.1787% | 5,855 |
Total domestic deposits to total assets | 89.4644% | 1,200 |
Equity capital to assets | 7.8555% | 6,884 |
Core capital (leverage) ratio | 8.0242% | 6,244 |
Tier 1 risk-based capital ratio | 13.9096% | 3,793 |
Total risk-based capital ratio | 14.4055% | 4,276 |
Memoranda: | ||
Average total assets | $1,063,750,000 | 625 |
Average earning assets | $993,835,330 | 601 |
Average equity | $81,625,330 | 800 |
Average total loans | $622,306,330 | 722 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6904% | 6,276 |
Cost of funding earning assets | 0.9864% | 6,437 |
Net interest margin | 3.7041% | 4,221 |
Noninterest income to average assets | 0.3821% | 5,075 |
Noninterest expense to average assets | 2.1372% | 6,845 |
Loan and lease loss provision to assets | 0.0283% | 6,394 |
Net operating income to assets | 0.9888% | 2,227 |
Return on assets (ROA) | 0.2570% | 5,594 |
Pretax return on assets | 0.5250% | 4,875 |
Return on Equity (ROE) | 3.3901% | 5,170 |
Retained earnings to average equity (ytd only) | 3.3901% | 4,124 |
Net charge-offs to loans | 0.1317% | 4,167 |
Credit loss provision to net charge-offs | 36.5854% | 4,702 |
Earnings coverage of net charge-offs (x) | 21.9610% | 1,106 |
Efficiency ratio | 55.7456% | 6,801 |
Assets per employee ($millions) | 7.6715% | 593 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5139% | 7,581 |
Loan loss allowance to noncurrent loans | 52.7722% | 4,805 |
Noncurrent assets plus other real estate owned to assets | 0.5690% | 6,081 |
Noncurrent loans to loans | 0.9738% | 5,383 |
Net loans and leases to total assets | 58.1353% | 5,412 |
Net loans and leases to deposits | 64.4970% | 6,006 |
Net loans and leases to core deposits | 69.8904% | 5,927 |
Total domestic deposits to total assets | 90.1364% | 925 |
Equity capital to assets | 7.7158% | 6,919 |
Core capital (leverage) ratio | 7.9530% | 6,310 |
Tier 1 risk-based capital ratio | 13.3978% | 4,045 |
Total risk-based capital ratio | 13.9036% | 4,565 |
Memoranda: | ||
Average total assets | $1,061,373,500 | 640 |
Average earning assets | $989,076,000 | 619 |
Average equity | $80,470,000 | 818 |
Average total loans | $622,414,000 | 742 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8585% | 6,814 |
Cost of funding earning assets | 1.5388% | 5,343 |
Net interest margin | 3.3196% | 5,668 |
Noninterest income to average assets | 0.2823% | 6,086 |
Noninterest expense to average assets | 2.1040% | 7,177 |
Loan and lease loss provision to assets | 0.0285% | 7,235 |
Net operating income to assets | 0.7318% | 2,803 |
Return on assets (ROA) | 0.2141% | 4,916 |
Pretax return on assets | 0.4775% | 4,254 |
Return on Equity (ROE) | 3.0263% | 4,483 |
Retained earnings to average equity (ytd only) | 3.0263% | 3,046 |
Net charge-offs to loans | 0.0120% | 7,057 |
Credit loss provision to net charge-offs | 421.0526% | 748 |
Earnings coverage of net charge-offs (x) | 194.0395% | 143 |
Efficiency ratio | 61.5403% | 6,231 |
Assets per employee ($millions) | 7.6553% | 590 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5284% | 7,645 |
Loan loss allowance to noncurrent loans | 94.3273% | 2,966 |
Noncurrent assets plus other real estate owned to assets | 0.3297% | 6,616 |
Noncurrent loans to loans | 0.5602% | 6,126 |
Net loans and leases to total assets | 58.5370% | 5,567 |
Net loans and leases to deposits | 64.5200% | 6,209 |
Net loans and leases to core deposits | 82.9234% | 5,823 |
Total domestic deposits to total assets | 90.7269% | 652 |
Equity capital to assets | 7.4483% | 7,080 |
Core capital (leverage) ratio | 7.7268% | 6,528 |
Tier 1 risk-based capital ratio | 13.1963% | 4,017 |
Total risk-based capital ratio | 13.7200% | 4,493 |
Memoranda: | ||
Average total assets | $1,121,553,000 | 592 |
Average earning assets | $1,059,691,800 | 571 |
Average equity | $79,338,200 | 816 |
Average total loans | $634,919,000 | 738 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8819% | 6,924 |
Cost of funding earning assets | 1.6761% | 5,027 |
Net interest margin | 3.2058% | 6,002 |
Noninterest income to average assets | 0.2778% | 6,248 |
Noninterest expense to average assets | 2.0421% | 7,308 |
Loan and lease loss provision to assets | 0.0340% | 7,018 |
Net operating income to assets | 0.6550% | 3,379 |
Return on assets (ROA) | 0.2164% | 5,184 |
Pretax return on assets | 0.5534% | 4,353 |
Return on Equity (ROE) | 3.0981% | 4,746 |
Retained earnings to average equity (ytd only) | 3.0981% | 3,590 |
Net charge-offs to loans | 0.0149% | 6,712 |
Credit loss provision to net charge-offs | 408.4507% | 974 |
Earnings coverage of net charge-offs (x) | 152.7252% | 249 |
Efficiency ratio | 61.6055% | 6,179 |
Assets per employee ($millions) | 7.4193% | 660 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5225% | 7,685 |
Loan loss allowance to noncurrent loans | 128.3815% | 2,209 |
Noncurrent assets plus other real estate owned to assets | 0.2361% | 6,928 |
Noncurrent loans to loans | 0.4070% | 6,520 |
Net loans and leases to total assets | 57.7231% | 5,926 |
Net loans and leases to deposits | 63.3397% | 6,550 |
Net loans and leases to core deposits | 82.7432% | 6,136 |
Total domestic deposits to total assets | 91.1326% | 371 |
Equity capital to assets | 7.3028% | 7,426 |
Core capital (leverage) ratio | 7.4139% | 7,066 |
Tier 1 risk-based capital ratio | 12.6530% | 4,435 |
Total risk-based capital ratio | 13.1559% | 4,995 |
Memoranda: | ||
Average total assets | $1,135,920,250 | 595 |
Average earning assets | $1,076,122,500 | 576 |
Average equity | $79,358,750 | 828 |
Average total loans | $637,100,750 | 751 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8829% | 7,071 |
Cost of funding earning assets | 1.8276% | 4,619 |
Net interest margin | 3.0553% | 6,379 |
Noninterest income to average assets | 0.2824% | 6,242 |
Noninterest expense to average assets | 2.0290% | 7,413 |
Loan and lease loss provision to assets | 0.0104% | 7,104 |
Net operating income to assets | 0.6100% | 3,637 |
Return on assets (ROA) | 0.2500% | 5,182 |
Pretax return on assets | 0.5800% | 4,371 |
Return on Equity (ROE) | 3.6303% | 4,655 |
Retained earnings to average equity (ytd only) | 3.6303% | 3,281 |
Net charge-offs to loans | 0.0203% | 6,230 |
Credit loss provision to net charge-offs | 92.3077% | 4,855 |
Earnings coverage of net charge-offs (x) | 102.2923% | 374 |
Efficiency ratio | 63.7676% | 5,956 |
Assets per employee ($millions) | 7.7572% | 549 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4890% | 7,805 |
Loan loss allowance to noncurrent loans | 147.2570% | 1,998 |
Noncurrent assets plus other real estate owned to assets | 0.1847% | 7,070 |
Noncurrent loans to loans | 0.3321% | 6,680 |
Net loans and leases to total assets | 55.3594% | 6,289 |
Net loans and leases to deposits | 60.5665% | 6,848 |
Net loans and leases to core deposits | 80.6152% | 6,353 |
Total domestic deposits to total assets | 91.4025% | 341 |
Equity capital to assets | 6.9629% | 7,631 |
Core capital (leverage) ratio | 7.0843% | 7,470 |
Tier 1 risk-based capital ratio | 12.4993% | 4,521 |
Total risk-based capital ratio | 12.9748% | 5,098 |
Memoranda: | ||
Average total assets | $1,153,489,670 | 600 |
Average earning assets | $1,094,636,330 | 580 |
Average equity | $79,443,330 | 834 |
Average total loans | $639,951,670 | 767 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9226% | 7,120 |
Cost of funding earning assets | 2.0237% | 4,014 |
Net interest margin | 2.8989% | 6,749 |
Noninterest income to average assets | 0.2881% | 6,135 |
Noninterest expense to average assets | 2.0215% | 7,302 |
Loan and lease loss provision to assets | 0.0103% | 6,700 |
Net operating income to assets | 0.4994% | 4,420 |
Return on assets (ROA) | 0.3600% | 5,203 |
Pretax return on assets | 0.7974% | 4,087 |
Return on Equity (ROE) | 5.2546% | 4,354 |
Retained earnings to average equity (ytd only) | 5.2546% | 2,987 |
Net charge-offs to loans | 0.0513% | 4,755 |
Credit loss provision to net charge-offs | 36.1446% | 4,872 |
Earnings coverage of net charge-offs (x) | 36.0723% | 923 |
Efficiency ratio | 66.3444% | 5,260 |
Assets per employee ($millions) | 7.8974% | 521 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4736% | 7,857 |
Loan loss allowance to noncurrent loans | 261.0052% | 1,294 |
Noncurrent assets plus other real estate owned to assets | 0.1001% | 7,290 |
Noncurrent loans to loans | 0.1815% | 7,010 |
Net loans and leases to total assets | 54.8915% | 6,367 |
Net loans and leases to deposits | 59.9227% | 6,903 |
Net loans and leases to core deposits | 82.1444% | 6,229 |
Total domestic deposits to total assets | 91.6038% | 251 |
Equity capital to assets | 6.8538% | 7,748 |
Core capital (leverage) ratio | 6.8163% | 7,757 |
Tier 1 risk-based capital ratio | 12.5029% | 4,553 |
Total risk-based capital ratio | 12.9760% | 5,111 |
Memoranda: | ||
Average total assets | $1,167,841,000 | 599 |
Average earning assets | $1,111,441,500 | 575 |
Average equity | $80,006,000 | 825 |
Average total loans | $647,060,000 | 765 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4945% | 7,313 |
Cost of funding earning assets | 2.9963% | 1,878 |
Net interest margin | 2.4982% | 7,753 |
Noninterest income to average assets | 0.2902% | 6,388 |
Noninterest expense to average assets | 1.8930% | 7,626 |
Loan and lease loss provision to assets | 0.0095% | 7,250 |
Net operating income to assets | 0.5831% | 4,377 |
Return on assets (ROA) | -1.0406% | 7,193 |
Pretax return on assets | -0.8800% | 6,927 |
Return on Equity (ROE) | -15.8131% | 7,623 |
Retained earnings to average equity (ytd only) | -15.8131% | 7,509 |
Net charge-offs to loans | 0.0135% | 6,713 |
Credit loss provision to net charge-offs | 136.3636% | 3,907 |
Earnings coverage of net charge-offs (x) | 108.4545% | 400 |
Efficiency ratio | 71.5376% | 4,027 |
Assets per employee ($millions) | 8.1563% | 446 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4657% | 7,895 |
Loan loss allowance to noncurrent loans | 234.1482% | 1,687 |
Noncurrent assets plus other real estate owned to assets | 0.1107% | 7,136 |
Noncurrent loans to loans | 0.1989% | 6,792 |
Net loans and leases to total assets | 55.3948% | 6,502 |
Net loans and leases to deposits | 60.4681% | 7,050 |
Net loans and leases to core deposits | 85.2134% | 6,191 |
Total domestic deposits to total assets | 91.6098% | 189 |
Equity capital to assets | 6.8478% | 7,805 |
Core capital (leverage) ratio | 6.5805% | 7,903 |
Tier 1 risk-based capital ratio | 13.5503% | 3,793 |
Total risk-based capital ratio | 14.0723% | 4,135 |
Memoranda: | ||
Average total assets | $1,267,202,000 | 535 |
Average earning assets | $1,195,039,400 | 519 |
Average equity | $83,386,400 | 801 |
Average total loans | $652,342,200 | 731 |