Home > Waypoint Bank > Performance and Condition Ratios
Waypoint Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 303 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1862% | 2,756 |
Cost of funding earning assets | 1.5813% | 3,009 |
Net interest margin | 3.6049% | 2,074 |
Noninterest income to average assets | 0.3300% | 2,671 |
Noninterest expense to average assets | 2.1703% | 3,193 |
Loan and lease loss provision to assets | 0.0000% | 2,722 |
Net operating income to assets | 1.4822% | 1,128 |
Return on assets (ROA) | 1.4822% | 1,124 |
Pretax return on assets | 1.5016% | 1,511 |
Return on Equity (ROE) | 14.7000% | 1,132 |
Retained earnings to average equity (ytd only) | 4.0925% | 2,837 |
Net charge-offs to loans | -0.0032% | 3,632 |
Credit loss provision to net charge-offs | 0.0000% | 1,760 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
Efficiency ratio | 59.1056% | 3,075 |
Assets per employee ($millions) | 7.0401% | 2,188 |
Cash dividends to net income (ytd only)* | 72.1574% | 774 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4704% | 221 |
Loan loss allowance to noncurrent loans | 306.8513% | 1,625 |
Noncurrent assets plus other real estate owned to assets | 0.5516% | 1,349 |
Noncurrent loans to loans | 0.8051% | 1,293 |
Net loans and leases to total assets | 66.8200% | 2,212 |
Net loans and leases to deposits | 84.0757% | 1,679 |
Net loans and leases to core deposits | 91.5177% | 1,948 |
Total domestic deposits to total assets | 79.4700% | 3,649 |
Equity capital to assets | 10.2125% | 2,095 |
Core capital (leverage) ratio | 11.5117% | 1,707 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5768% | 1,669 |
Memoranda: | ||
Average total assets | $370,266,000 | 2,172 |
Average earning assets | $342,758,000 | 2,169 |
Average equity | $37,337,000 | 2,140 |
Average total loans | $249,440,500 | 2,120 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 319 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1469% | 2,839 |
Cost of funding earning assets | 1.9815% | 2,269 |
Net interest margin | 3.1655% | 2,789 |
Noninterest income to average assets | 0.3400% | 2,807 |
Noninterest expense to average assets | 2.0630% | 3,465 |
Loan and lease loss provision to assets | 0.0000% | 3,171 |
Net operating income to assets | 1.1905% | 1,519 |
Return on assets (ROA) | 1.1905% | 1,525 |
Pretax return on assets | 1.2102% | 1,967 |
Return on Equity (ROE) | 12.9200% | 1,375 |
Retained earnings to average equity (ytd only) | 4.1115% | 2,588 |
Net charge-offs to loans | 0.0390% | 1,805 |
Credit loss provision to net charge-offs | 0.0000% | 2,577 |
Earnings coverage of net charge-offs (x) | 46.8866% | 1,255 |
Efficiency ratio | 63.0274% | 2,826 |
Assets per employee ($millions) | 6.9322% | 2,207 |
Cash dividends to net income (ytd only)* | 68.1717% | 884 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5952% | 197 |
Loan loss allowance to noncurrent loans | 297.6426% | 1,705 |
Noncurrent assets plus other real estate owned to assets | 0.5773% | 1,258 |
Noncurrent loans to loans | 0.8719% | 1,145 |
Net loans and leases to total assets | 64.4900% | 2,525 |
Net loans and leases to deposits | 79.6103% | 2,166 |
Net loans and leases to core deposits | 86.1080% | 2,389 |
Total domestic deposits to total assets | 81.0100% | 3,411 |
Equity capital to assets | 9.9532% | 2,165 |
Core capital (leverage) ratio | 11.2085% | 1,833 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0374% | 1,510 |
Memoranda: | ||
Average total assets | $375,805,200 | 2,119 |
Average earning assets | $348,479,000 | 2,115 |
Average equity | $34,634,200 | 2,184 |
Average total loans | $248,745,200 | 2,088 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 305 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0797% | 2,901 |
Cost of funding earning assets | 1.9713% | 2,287 |
Net interest margin | 3.1084% | 2,878 |
Noninterest income to average assets | 0.3500% | 2,719 |
Noninterest expense to average assets | 2.0509% | 3,446 |
Loan and lease loss provision to assets | 0.0000% | 3,009 |
Net operating income to assets | 1.1576% | 1,611 |
Return on assets (ROA) | 1.1576% | 1,615 |
Pretax return on assets | 1.1798% | 2,037 |
Return on Equity (ROE) | 12.8100% | 1,413 |
Retained earnings to average equity (ytd only) | 4.8061% | 2,540 |
Net charge-offs to loans | 0.0517% | 1,384 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 34.4742% | 1,428 |
Efficiency ratio | 63.4815% | 2,777 |
Assets per employee ($millions) | 6.8957% | 2,207 |
Cash dividends to net income (ytd only)* | 62.4810% | 917 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5247% | 216 |
Loan loss allowance to noncurrent loans | 287.0850% | 1,789 |
Noncurrent assets plus other real estate owned to assets | 0.5798% | 1,237 |
Noncurrent loans to loans | 0.8794% | 1,140 |
Net loans and leases to total assets | 64.2700% | 2,498 |
Net loans and leases to deposits | 82.6118% | 1,920 |
Net loans and leases to core deposits | 89.0312% | 2,217 |
Total domestic deposits to total assets | 77.7900% | 3,752 |
Equity capital to assets | 9.8225% | 2,415 |
Core capital (leverage) ratio | 11.1452% | 1,958 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.7285% | 1,623 |
Memoranda: | ||
Average total assets | $377,904,250 | 2,105 |
Average earning assets | $350,823,500 | 2,106 |
Average equity | $34,150,500 | 2,209 |
Average total loans | $250,117,000 | 2,063 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 16,641.0000% | 35 |
Cost of funding earning assets | 0.0000% | 4,464 |
Net interest margin | 0.0000% | 4,497 |
Noninterest income to average assets | 0.0000% | 4,488 |
Noninterest expense to average assets | 0.0000% | 4,517 |
Loan and lease loss provision to assets | NA | NA |
Net operating income to assets | NA | NA |
Return on assets (ROA) | 1.1095% | 1,696 |
Pretax return on assets | 1.1318% | 2,121 |
Return on Equity (ROE) | 12.6500% | 1,458 |
Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
Net charge-offs to loans | 1.0000% | 132 |
Credit loss provision to net charge-offs | 2.0000% | 1,989 |
Earnings coverage of net charge-offs (x) | 15.0000% | 1,794 |
Efficiency ratio | 56,164.0000% | 7 |
Assets per employee ($millions) | NA | NA |
Cash dividends to net income (ytd only)* | 5.4819% | 2,811 |
Condition Ratios (%) | ||
Loss allowance to loans | 1,096.0000% | 26 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
Noncurrent assets plus other real estate owned to assets | NA | NA |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | NA | NA |
Net loans and leases to deposits | 0.0000% | 4,441 |
Net loans and leases to core deposits | 0.0040% | 4,434 |
Total domestic deposits to total assets | 0.0007% | 4,500 |
Equity capital to assets | 146,163.0000% | 18 |
Core capital (leverage) ratio | 0.0058% | 4,509 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $120,000 | 4,553 |
Average earning assets | $6,094 | 4,522 |
Average equity | $722,000 | 4,486 |
Average total loans | NA | NA |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8854% | 3,006 |
Cost of funding earning assets | 1.8167% | 2,459 |
Net interest margin | 3.0688% | 2,862 |
Noninterest income to average assets | 0.3400% | 2,684 |
Noninterest expense to average assets | 2.0900% | 3,345 |
Loan and lease loss provision to assets | 0.0000% | 2,519 |
Net operating income to assets | 1.0794% | 1,720 |
Return on assets (ROA) | 1.0794% | 1,724 |
Pretax return on assets | 1.1017% | 2,138 |
Return on Equity (ROE) | 12.4400% | 1,452 |
Retained earnings to average equity (ytd only) | 2.6728% | 3,077 |
Net charge-offs to loans | 0.0129% | 1,625 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 130.0000% | 575 |
Efficiency ratio | 65.4829% | 2,640 |
Assets per employee ($millions) | 7.2973% | 1,888 |
Cash dividends to net income (ytd only)* | 78.5083% | 753 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5625% | 178 |
Loan loss allowance to noncurrent loans | 267.6421% | 2,047 |
Noncurrent assets plus other real estate owned to assets | 0.6304% | 1,015 |
Noncurrent loans to loans | 0.9574% | 907 |
Net loans and leases to total assets | 64.1500% | 2,458 |
Net loans and leases to deposits | 82.3747% | 1,853 |
Net loans and leases to core deposits | 88.3409% | 2,147 |
Total domestic deposits to total assets | 77.8800% | 3,814 |
Equity capital to assets | 8.5954% | 2,955 |
Core capital (leverage) ratio | 10.8916% | 2,028 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1929% | 1,807 |
Memoranda: | ||
Average total assets | $377,601,000 | 2,116 |
Average earning assets | $351,413,000 | 2,103 |
Average equity | $32,774,500 | 2,239 |
Average total loans | $248,596,000 | 2,066 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5923% | 2,912 |
Cost of funding earning assets | 1.4402% | 2,106 |
Net interest margin | 3.1521% | 2,977 |
Noninterest income to average assets | 0.3200% | 2,981 |
Noninterest expense to average assets | 2.0019% | 3,628 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 1.2355% | 1,571 |
Return on assets (ROA) | 1.2870% | 1,429 |
Pretax return on assets | 1.3066% | 1,854 |
Return on Equity (ROE) | 16.4300% | 1,030 |
Retained earnings to average equity (ytd only) | 4.9360% | 2,618 |
Net charge-offs to loans | -0.0224% | 4,201 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 61.4845% | 2,907 |
Assets per employee ($millions) | 6.9582% | 2,097 |
Cash dividends to net income (ytd only)* | 69.9546% | 843 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5914% | 174 |
Loan loss allowance to noncurrent loans | 1,247.0817% | 773 |
Noncurrent assets plus other real estate owned to assets | 0.1368% | 2,609 |
Noncurrent loans to loans | 0.2078% | 2,477 |
Net loans and leases to total assets | 64.1300% | 2,447 |
Net loans and leases to deposits | 83.0027% | 1,861 |
Net loans and leases to core deposits | 88.7420% | 2,134 |
Total domestic deposits to total assets | 77.2600% | 3,817 |
Equity capital to assets | 8.7648% | 2,850 |
Core capital (leverage) ratio | 10.8649% | 2,045 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5560% | 1,664 |
Memoranda: | ||
Average total assets | $376,537,400 | 2,091 |
Average earning assets | $350,783,400 | 2,089 |
Average equity | $29,497,400 | 2,287 |
Average total loans | $246,050,600 | 2,022 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4634% | 2,984 |
Cost of funding earning assets | 1.3196% | 2,096 |
Net interest margin | 3.1437% | 3,044 |
Noninterest income to average assets | 0.3200% | 2,979 |
Noninterest expense to average assets | 2.0176% | 3,549 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 1.2093% | 1,770 |
Return on assets (ROA) | 1.2093% | 1,759 |
Pretax return on assets | 1.2330% | 2,218 |
Return on Equity (ROE) | 15.9100% | 1,270 |
Retained earnings to average equity (ytd only) | 3.8502% | 3,300 |
Net charge-offs to loans | -0.0266% | 4,209 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 62.0686% | 2,707 |
Assets per employee ($millions) | 7.1785% | 1,835 |
Cash dividends to net income (ytd only)* | 75.7975% | 533 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5578% | 183 |
Loan loss allowance to noncurrent loans | 1,215.1803% | 762 |
Noncurrent assets plus other real estate owned to assets | 0.1385% | 2,640 |
Noncurrent loans to loans | 0.2105% | 2,509 |
Net loans and leases to total assets | 64.1200% | 2,432 |
Net loans and leases to deposits | 81.8779% | 1,908 |
Net loans and leases to core deposits | 86.1936% | 2,176 |
Total domestic deposits to total assets | 78.3200% | 3,780 |
Equity capital to assets | 7.4607% | 3,378 |
Core capital (leverage) ratio | 10.6330% | 2,281 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3669% | 1,765 |
Memoranda: | ||
Average total assets | $376,736,250 | 2,094 |
Average earning assets | $350,995,750 | 2,092 |
Average equity | $28,638,500 | 2,316 |
Average total loans | $245,724,000 | 2,024 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2956% | 3,110 |
Cost of funding earning assets | 1.1866% | 2,031 |
Net interest margin | 3.1090% | 3,207 |
Noninterest income to average assets | 0.3300% | 2,899 |
Noninterest expense to average assets | 2.0362% | 3,502 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.1606% | 1,949 |
Return on assets (ROA) | 1.1606% | 1,942 |
Pretax return on assets | 1.1835% | 2,404 |
Return on Equity (ROE) | 15.1700% | 1,437 |
Retained earnings to average equity (ytd only) | 3.0568% | 3,464 |
Net charge-offs to loans | -0.0369% | 4,292 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 63.2423% | 2,568 |
Assets per employee ($millions) | 6.8126% | 2,065 |
Cash dividends to net income (ytd only)* | 79.8531% | 554 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6032% | 193 |
Loan loss allowance to noncurrent loans | 1,196.2617% | 831 |
Noncurrent assets plus other real estate owned to assets | 0.1428% | 2,552 |
Noncurrent loans to loans | 0.2176% | 2,396 |
Net loans and leases to total assets | 63.9100% | 2,395 |
Net loans and leases to deposits | 81.0719% | 1,902 |
Net loans and leases to core deposits | 84.7511% | 2,162 |
Total domestic deposits to total assets | 78.8300% | 3,744 |
Equity capital to assets | 7.8064% | 3,346 |
Core capital (leverage) ratio | 10.5494% | 2,270 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4998% | 1,725 |
Memoranda: | ||
Average total assets | $375,494,667 | 2,102 |
Average earning assets | $349,568,000 | 2,099 |
Average equity | $28,723,000 | 2,322 |
Average total loans | $244,174,000 | 2,028 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0794% | 3,294 |
Cost of funding earning assets | 1.0281% | 1,953 |
Net interest margin | 3.0513% | 3,459 |
Noninterest income to average assets | 0.3300% | 2,854 |
Noninterest expense to average assets | 1.9708% | 3,694 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.1727% | 2,014 |
Return on assets (ROA) | 1.1727% | 1,979 |
Pretax return on assets | 1.1982% | 2,423 |
Return on Equity (ROE) | 15.4900% | 1,462 |
Retained earnings to average equity (ytd only) | 2.2769% | 3,655 |
Net charge-offs to loans | -0.0016% | 3,388 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 62.1894% | 2,661 |
Assets per employee ($millions) | 7.0771% | 1,919 |
Cash dividends to net income (ytd only)* | 85.2995% | 578 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6146% | 203 |
Loan loss allowance to noncurrent loans | 1,107.3171% | 913 |
Noncurrent assets plus other real estate owned to assets | 0.1530% | 2,440 |
Noncurrent loans to loans | 0.2361% | 2,319 |
Net loans and leases to total assets | 63.1200% | 2,349 |
Net loans and leases to deposits | 77.2358% | 2,016 |
Net loans and leases to core deposits | 78.8987% | 2,325 |
Total domestic deposits to total assets | 81.7200% | 3,530 |
Equity capital to assets | 7.9177% | 3,301 |
Core capital (leverage) ratio | 10.6696% | 2,094 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1293% | 1,936 |
Memoranda: | ||
Average total assets | $375,895,000 | 2,122 |
Average earning assets | $349,755,500 | 2,126 |
Average equity | $28,459,500 | 2,362 |
Average total loans | $243,334,000 | 2,051 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9531% | 1,845 |
Cost of funding earning assets | 0.3344% | 2,592 |
Net interest margin | 3.6188% | 1,592 |
Noninterest income to average assets | 0.3300% | 3,139 |
Noninterest expense to average assets | 1.9660% | 3,673 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 1.7120% | 529 |
Return on assets (ROA) | 1.7120% | 502 |
Pretax return on assets | 1.7434% | 831 |
Return on Equity (ROE) | 20.5700% | 422 |
Retained earnings to average equity (ytd only) | 6.0417% | 2,630 |
Net charge-offs to loans | -0.2454% | 4,649 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 53.0012% | 3,884 |
Assets per employee ($millions) | 6.9760% | 1,992 |
Cash dividends to net income (ytd only)* | 70.6304% | 635 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6091% | 191 |
Loan loss allowance to noncurrent loans | 926.3848% | 1,053 |
Noncurrent assets plus other real estate owned to assets | 0.1821% | 2,273 |
Noncurrent loans to loans | 0.2816% | 2,141 |
Net loans and leases to total assets | 62.9700% | 2,335 |
Net loans and leases to deposits | 76.4269% | 2,066 |
Net loans and leases to core deposits | 77.4441% | 2,320 |
Total domestic deposits to total assets | 82.3900% | 3,552 |
Equity capital to assets | 7.2261% | 3,536 |
Core capital (leverage) ratio | 10.6350% | 2,077 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0007% | 1,979 |
Memoranda: | ||
Average total assets | $366,935,200 | 2,154 |
Average earning assets | $343,046,200 | 2,140 |
Average equity | $30,538,000 | 2,313 |
Average total loans | $229,051,200 | 2,060 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9202% | 1,435 |
Cost of funding earning assets | 0.2309% | 2,918 |
Net interest margin | 3.6893% | 1,166 |
Noninterest income to average assets | 0.3400% | 3,099 |
Noninterest expense to average assets | 1.8820% | 3,791 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.8780% | 361 |
Return on assets (ROA) | 1.8780% | 353 |
Pretax return on assets | 1.9095% | 569 |
Return on Equity (ROE) | 21.8200% | 300 |
Retained earnings to average equity (ytd only) | 8.4885% | 1,823 |
Net charge-offs to loans | -0.3289% | 4,696 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 49.6382% | 4,184 |
Assets per employee ($millions) | 7.1389% | 1,846 |
Cash dividends to net income (ytd only)* | 61.1025% | 839 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6825% | 185 |
Loan loss allowance to noncurrent loans | 1,872.8614% | 599 |
Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,024 |
Noncurrent loans to loans | 0.1432% | 2,903 |
Net loans and leases to total assets | 62.0500% | 2,284 |
Net loans and leases to deposits | 71.7915% | 2,226 |
Net loans and leases to core deposits | 72.4851% | 2,450 |
Total domestic deposits to total assets | 86.4300% | 2,952 |
Equity capital to assets | 7.0526% | 3,486 |
Core capital (leverage) ratio | 10.5388% | 2,083 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5238% | 1,867 |
Memoranda: | ||
Average total assets | $364,492,750 | 2,172 |
Average earning assets | $341,337,000 | 2,163 |
Average equity | $31,367,250 | 2,307 |
Average total loans | $225,421,250 | 2,078 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8951% | 1,120 |
Cost of funding earning assets | 0.1811% | 3,168 |
Net interest margin | 3.7139% | 889 |
Noninterest income to average assets | 0.3335% | 3,159 |
Noninterest expense to average assets | 1.8976% | 3,707 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 1.8904% | 275 |
Return on assets (ROA) | 1.8904% | 274 |
Pretax return on assets | 1.9224% | 449 |
Return on Equity (ROE) | 20.6913% | 265 |
Retained earnings to average equity (ytd only) | 8.3817% | 1,482 |
Net charge-offs to loans | -0.4998% | 4,693 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.6748% | 4,266 |
Assets per employee ($millions) | 7.0140% | 1,928 |
Cash dividends to net income (ytd only)* | 59.4918% | 1,082 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7891% | 176 |
Loan loss allowance to noncurrent loans | 6,824.7312% | 198 |
Noncurrent assets plus other real estate owned to assets | 0.0255% | 3,735 |
Noncurrent loans to loans | 0.0409% | 3,640 |
Net loans and leases to total assets | 60.6525% | 2,255 |
Net loans and leases to deposits | 68.3550% | 2,358 |
Net loans and leases to core deposits | 68.9913% | 2,568 |
Total domestic deposits to total assets | 88.7317% | 2,285 |
Equity capital to assets | 8.0602% | 3,075 |
Core capital (leverage) ratio | 10.7343% | 1,776 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.7209% | 1,791 |
Memoranda: | ||
Average total assets | $362,249,000 | 2,187 |
Average earning assets | $340,070,333 | 2,185 |
Average equity | $33,096,000 | 2,271 |
Average total loans | $221,666,667 | 2,099 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1079% | 629 |
Cost of funding earning assets | 0.1759% | 3,145 |
Net interest margin | 3.9320% | 466 |
Noninterest income to average assets | 0.3523% | 2,988 |
Noninterest expense to average assets | 1.8759% | 3,736 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 2.1351% | 175 |
Return on assets (ROA) | 2.1351% | 174 |
Pretax return on assets | 2.1673% | 268 |
Return on Equity (ROE) | 22.0575% | 152 |
Retained earnings to average equity (ytd only) | 8.4705% | 1,435 |
Net charge-offs to loans | -0.7864% | 4,732 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.3963% | 4,475 |
Assets per employee ($millions) | 6.4837% | 2,393 |
Cash dividends to net income (ytd only)* | 61.5983% | 1,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8880% | 174 |
Loan loss allowance to noncurrent loans | 2,753.5398% | 416 |
Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,427 |
Noncurrent loans to loans | 0.1049% | 3,314 |
Net loans and leases to total assets | 58.6801% | 2,216 |
Net loans and leases to deposits | 66.0266% | 2,337 |
Net loans and leases to core deposits | 66.6711% | 2,561 |
Total domestic deposits to total assets | 88.8736% | 2,132 |
Equity capital to assets | 8.9557% | 2,751 |
Core capital (leverage) ratio | 10.4953% | 1,861 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0298% | 1,785 |
Memoranda: | ||
Average total assets | $361,008,500 | 2,203 |
Average earning assets | $338,857,500 | 2,196 |
Average equity | $34,945,000 | 2,257 |
Average total loans | $218,717,500 | 2,105 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0850% | 1,191 |
Cost of funding earning assets | 0.3080% | 2,321 |
Net interest margin | 3.7770% | 1,059 |
Noninterest income to average assets | 0.3366% | 3,402 |
Noninterest expense to average assets | 1.9501% | 3,811 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 1.8854% | 422 |
Return on assets (ROA) | 1.8914% | 443 |
Pretax return on assets | 1.9170% | 701 |
Return on Equity (ROE) | 17.1627% | 566 |
Retained earnings to average equity (ytd only) | 6.1325% | 2,305 |
Net charge-offs to loans | -0.4962% | 4,781 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.5067% | 4,244 |
Assets per employee ($millions) | 6.6439% | 2,205 |
Cash dividends to net income (ytd only)* | 64.2683% | 937 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6100% | 240 |
Loan loss allowance to noncurrent loans | 1,211.9247% | 763 |
Noncurrent assets plus other real estate owned to assets | 0.1308% | 3,022 |
Noncurrent loans to loans | 0.2154% | 2,883 |
Net loans and leases to total assets | 59.1559% | 2,249 |
Net loans and leases to deposits | 69.3036% | 2,193 |
Net loans and leases to core deposits | 70.1607% | 2,429 |
Total domestic deposits to total assets | 85.3575% | 3,152 |
Equity capital to assets | 10.3865% | 2,285 |
Core capital (leverage) ratio | 10.3716% | 2,012 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5785% | 2,027 |
Memoranda: | ||
Average total assets | $347,568,400 | 2,211 |
Average earning assets | $324,335,000 | 2,210 |
Average equity | $38,304,000 | 2,146 |
Average total loans | $217,242,800 | 2,121 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1447% | 1,202 |
Cost of funding earning assets | 0.3020% | 2,574 |
Net interest margin | 3.8427% | 1,036 |
Noninterest income to average assets | 0.3513% | 3,350 |
Noninterest expense to average assets | 1.9333% | 3,855 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.9722% | 482 |
Return on assets (ROA) | 1.9803% | 507 |
Pretax return on assets | 2.0059% | 791 |
Return on Equity (ROE) | 17.6979% | 664 |
Retained earnings to average equity (ytd only) | 7.8870% | 2,093 |
Net charge-offs to loans | -0.3277% | 4,814 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.1795% | 4,282 |
Assets per employee ($millions) | 6.7243% | 2,077 |
Cash dividends to net income (ytd only)* | 55.4356% | 994 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3748% | 347 |
Loan loss allowance to noncurrent loans | 483.5023% | 1,395 |
Noncurrent assets plus other real estate owned to assets | 0.3044% | 2,250 |
Noncurrent loans to loans | 0.4912% | 2,079 |
Net loans and leases to total assets | 60.5130% | 2,192 |
Net loans and leases to deposits | 70.2842% | 2,208 |
Net loans and leases to core deposits | 71.4222% | 2,475 |
Total domestic deposits to total assets | 86.0977% | 2,710 |
Equity capital to assets | 10.9651% | 2,047 |
Core capital (leverage) ratio | 10.6499% | 1,938 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0698% | 1,947 |
Memoranda: | ||
Average total assets | $343,106,500 | 2,255 |
Average earning assets | $319,630,500 | 2,256 |
Average equity | $38,391,500 | 2,167 |
Average total loans | $216,064,000 | 2,163 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4332% | 815 |
Cost of funding earning assets | 0.3293% | 2,494 |
Net interest margin | 4.1039% | 687 |
Noninterest income to average assets | 0.3738% | 3,245 |
Noninterest expense to average assets | 1.9304% | 3,891 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 2.2447% | 311 |
Return on assets (ROA) | 2.2570% | 322 |
Pretax return on assets | 2.2830% | 496 |
Return on Equity (ROE) | 20.0300% | 456 |
Retained earnings to average equity (ytd only) | 11.5139% | 1,011 |
Net charge-offs to loans | -0.0746% | 4,526 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.9516% | 4,515 |
Assets per employee ($millions) | 6.4167% | 2,223 |
Cash dividends to net income (ytd only)* | 42.5170% | 1,496 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1502% | 468 |
Loan loss allowance to noncurrent loans | 331.8339% | 1,752 |
Noncurrent assets plus other real estate owned to assets | 0.4094% | 1,971 |
Noncurrent loans to loans | 0.6480% | 1,795 |
Net loans and leases to total assets | 61.8306% | 2,197 |
Net loans and leases to deposits | 72.9708% | 2,115 |
Net loans and leases to core deposits | 74.5036% | 2,365 |
Total domestic deposits to total assets | 84.7333% | 3,205 |
Equity capital to assets | 11.0218% | 1,955 |
Core capital (leverage) ratio | 10.6879% | 1,805 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.1959% | 1,905 |
Memoranda: | ||
Average total assets | $338,680,000 | 2,265 |
Average earning assets | $315,846,333 | 2,260 |
Average equity | $38,162,667 | 2,168 |
Average total loans | $214,450,000 | 2,183 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5934% | 674 |
Cost of funding earning assets | 0.3607% | 2,438 |
Net interest margin | 4.2326% | 573 |
Noninterest income to average assets | 0.3366% | 3,418 |
Noninterest expense to average assets | 1.9435% | 3,873 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 2.3021% | 358 |
Return on assets (ROA) | 2.3272% | 371 |
Pretax return on assets | 2.3537% | 553 |
Return on Equity (ROE) | 20.4154% | 507 |
Retained earnings to average equity (ytd only) | 11.6841% | 1,230 |
Net charge-offs to loans | -0.0228% | 4,063 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.4956% | 4,499 |
Assets per employee ($millions) | 6.2545% | 2,365 |
Cash dividends to net income (ytd only)* | 42.7683% | 1,314 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2582% | 388 |
Loan loss allowance to noncurrent loans | 299.5564% | 1,763 |
Noncurrent assets plus other real estate owned to assets | 1.0555% | 771 |
Noncurrent loans to loans | 0.7538% | 1,733 |
Net loans and leases to total assets | 60.5796% | 2,467 |
Net loans and leases to deposits | 71.5074% | 2,362 |
Net loans and leases to core deposits | 73.3380% | 2,577 |
Total domestic deposits to total assets | 84.7179% | 3,214 |
Equity capital to assets | 11.1393% | 1,763 |
Core capital (leverage) ratio | 10.9093% | 1,774 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9887% | 1,902 |
Memoranda: | ||
Average total assets | $331,560,500 | 2,274 |
Average earning assets | $308,270,500 | 2,284 |
Average equity | $37,795,000 | 2,170 |
Average total loans | $210,171,500 | 2,212 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4714% | 1,383 |
Cost of funding earning assets | 0.5543% | 2,584 |
Net interest margin | 3.9171% | 1,170 |
Noninterest income to average assets | 0.3459% | 3,394 |
Noninterest expense to average assets | 2.1869% | 3,699 |
Loan and lease loss provision to assets | 0.0607% | 3,614 |
Net operating income to assets | 1.7080% | 487 |
Return on assets (ROA) | 1.7126% | 524 |
Pretax return on assets | 1.7409% | 781 |
Return on Equity (ROE) | 13.7314% | 876 |
Retained earnings to average equity (ytd only) | 4.5411% | 2,509 |
Net charge-offs to loans | -0.0362% | 4,596 |
Credit loss provision to net charge-offs | -243.2432% | 3,825 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.8955% | 4,102 |
Assets per employee ($millions) | 5.7084% | 2,617 |
Cash dividends to net income (ytd only)* | 66.9291% | 1,077 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2344% | 381 |
Loan loss allowance to noncurrent loans | 299.7457% | 1,717 |
Noncurrent assets plus other real estate owned to assets | 1.0941% | 840 |
Noncurrent loans to loans | 0.7454% | 1,836 |
Net loans and leases to total assets | 63.4025% | 2,441 |
Net loans and leases to deposits | 75.9880% | 2,283 |
Net loans and leases to core deposits | 77.9888% | 2,551 |
Total domestic deposits to total assets | 83.4375% | 3,282 |
Equity capital to assets | 11.6688% | 1,756 |
Core capital (leverage) ratio | 11.1284% | 1,711 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4689% | 2,061 |
Memoranda: | ||
Average total assets | $296,627,600 | 2,307 |
Average earning assets | $275,486,400 | 2,317 |
Average equity | $36,995,600 | 2,132 |
Average total loans | $204,416,200 | 2,199 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5907% | 1,334 |
Cost of funding earning assets | 0.5979% | 2,628 |
Net interest margin | 3.9928% | 1,131 |
Noninterest income to average assets | 0.3658% | 3,268 |
Noninterest expense to average assets | 2.2226% | 3,629 |
Loan and lease loss provision to assets | 0.0622% | 3,566 |
Net operating income to assets | 1.7653% | 496 |
Return on assets (ROA) | 1.7717% | 541 |
Pretax return on assets | 1.8007% | 778 |
Return on Equity (ROE) | 13.9524% | 890 |
Retained earnings to average equity (ytd only) | 5.2458% | 2,456 |
Net charge-offs to loans | -0.0092% | 4,207 |
Credit loss provision to net charge-offs | -964.2857% | 3,916 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.4890% | 4,100 |
Assets per employee ($millions) | 5.4763% | 2,733 |
Cash dividends to net income (ytd only)* | 62.4025% | 1,044 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1845% | 360 |
Loan loss allowance to noncurrent loans | 102.2173% | 3,240 |
Noncurrent assets plus other real estate owned to assets | 1.4706% | 588 |
Noncurrent loans to loans | 2.1371% | 558 |
Net loans and leases to total assets | 67.3100% | 2,349 |
Net loans and leases to deposits | 81.7277% | 2,125 |
Net loans and leases to core deposits | 84.6110% | 2,420 |
Total domestic deposits to total assets | 82.3588% | 3,323 |
Equity capital to assets | 12.2827% | 1,529 |
Core capital (leverage) ratio | 11.3147% | 1,700 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.2699% | 1,736 |
Memoranda: | ||
Average total assets | $289,439,500 | 2,330 |
Average earning assets | $269,175,500 | 2,335 |
Average equity | $36,752,500 | 2,125 |
Average total loans | $202,766,750 | 2,208 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8668% | 1,025 |
Cost of funding earning assets | 0.6423% | 2,745 |
Net interest margin | 4.2245% | 868 |
Noninterest income to average assets | 0.3793% | 3,204 |
Noninterest expense to average assets | 2.2574% | 3,634 |
Loan and lease loss provision to assets | 0.0634% | 3,501 |
Net operating income to assets | 1.9564% | 362 |
Return on assets (ROA) | 1.9662% | 396 |
Pretax return on assets | 1.9958% | 550 |
Return on Equity (ROE) | 15.3043% | 668 |
Retained earnings to average equity (ytd only) | 6.7989% | 1,737 |
Net charge-offs to loans | -0.0130% | 4,281 |
Credit loss provision to net charge-offs | -692.3077% | 3,670 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.4145% | 4,329 |
Assets per employee ($millions) | 5.5110% | 2,629 |
Cash dividends to net income (ytd only)* | 55.5755% | 1,366 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1701% | 352 |
Loan loss allowance to noncurrent loans | 107.3630% | 3,119 |
Noncurrent assets plus other real estate owned to assets | 1.3774% | 719 |
Noncurrent loans to loans | 2.0212% | 664 |
Net loans and leases to total assets | 66.6694% | 2,540 |
Net loans and leases to deposits | 81.0690% | 2,307 |
Net loans and leases to core deposits | 84.6066% | 2,565 |
Total domestic deposits to total assets | 82.2379% | 3,305 |
Equity capital to assets | 12.1228% | 1,590 |
Core capital (leverage) ratio | 11.8467% | 1,469 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2392% | 2,088 |
Memoranda: | ||
Average total assets | $283,694,333 | 2,344 |
Average earning assets | $263,746,000 | 2,342 |
Average equity | $36,447,333 | 2,135 |
Average total loans | $200,011,333 | 2,219 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7238% | 1,637 |
Cost of funding earning assets | 0.7151% | 2,869 |
Net interest margin | 4.0087% | 1,370 |
Noninterest income to average assets | 0.3480% | 3,432 |
Noninterest expense to average assets | 2.4407% | 3,449 |
Loan and lease loss provision to assets | 0.0664% | 2,935 |
Net operating income to assets | 1.5224% | 741 |
Return on assets (ROA) | 1.5426% | 778 |
Pretax return on assets | 1.5736% | 1,127 |
Return on Equity (ROE) | 11.6337% | 1,216 |
Retained earnings to average equity (ytd only) | 2.1799% | 3,376 |
Net charge-offs to loans | -0.0185% | 4,308 |
Credit loss provision to net charge-offs | -500.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.1162% | 3,725 |
Assets per employee ($millions) | 4.9827% | 2,664 |
Cash dividends to net income (ytd only)* | 81.2620% | 1,006 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3396% | 311 |
Loan loss allowance to noncurrent loans | 179.5943% | 2,230 |
Noncurrent assets plus other real estate owned to assets | 0.9344% | 1,424 |
Noncurrent loans to loans | 1.3027% | 1,255 |
Net loans and leases to total assets | 70.0447% | 2,251 |
Net loans and leases to deposits | 84.8227% | 2,127 |
Net loans and leases to core deposits | 89.0788% | 2,437 |
Total domestic deposits to total assets | 82.5778% | 3,243 |
Equity capital to assets | 13.4039% | 1,261 |
Core capital (leverage) ratio | 12.4581% | 1,466 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.7344% | 1,411 |
Memoranda: | ||
Average total assets | $271,233,000 | 2,363 |
Average earning assets | $251,153,500 | 2,362 |
Average equity | $35,964,500 | 2,142 |
Average total loans | $194,858,500 | 2,226 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8507% | 1,896 |
Cost of funding earning assets | 0.7736% | 2,810 |
Net interest margin | 4.0771% | 1,601 |
Noninterest income to average assets | 0.3228% | 3,759 |
Noninterest expense to average assets | 2.2959% | 3,952 |
Loan and lease loss provision to assets | 0.1103% | 1,889 |
Net operating income to assets | 1.6702% | 709 |
Return on assets (ROA) | 1.6702% | 756 |
Pretax return on assets | 1.7007% | 1,185 |
Return on Equity (ROE) | 13.0203% | 1,161 |
Retained earnings to average equity (ytd only) | 4.2073% | 2,851 |
Net charge-offs to loans | 0.0124% | 3,241 |
Credit loss provision to net charge-offs | 1,250.0000% | 274 |
Earnings coverage of net charge-offs (x) | 205.2500% | 393 |
Efficiency ratio | 55.9037% | 4,213 |
Assets per employee ($millions) | 4.8822% | 2,727 |
Cash dividends to net income (ytd only)* | 67.6866% | 1,227 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2680% | 299 |
Loan loss allowance to noncurrent loans | 217.7648% | 1,964 |
Noncurrent assets plus other real estate owned to assets | 0.7494% | 1,731 |
Noncurrent loans to loans | 1.0415% | 1,452 |
Net loans and leases to total assets | 70.3268% | 2,341 |
Net loans and leases to deposits | 84.7198% | 2,245 |
Net loans and leases to core deposits | 88.9948% | 2,514 |
Total domestic deposits to total assets | 83.0111% | 3,188 |
Equity capital to assets | 13.1177% | 1,450 |
Core capital (leverage) ratio | 12.3696% | 1,558 |
Tier 1 risk-based capital ratio | 13.8244% | 3,354 |
Total risk-based capital ratio | 15.0819% | 3,258 |
Memoranda: | ||
Average total assets | $272,004,000 | 2,320 |
Average earning assets | $252,460,600 | 2,321 |
Average equity | $34,891,800 | 2,147 |
Average total loans | $193,094,200 | 2,215 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8943% | 1,836 |
Cost of funding earning assets | 0.7803% | 2,813 |
Net interest margin | 4.1140% | 1,582 |
Noninterest income to average assets | 0.3337% | 3,743 |
Noninterest expense to average assets | 2.3215% | 3,894 |
Loan and lease loss provision to assets | 0.1252% | 1,554 |
Net operating income to assets | 1.6815% | 774 |
Return on assets (ROA) | 1.6815% | 816 |
Pretax return on assets | 1.7119% | 1,308 |
Return on Equity (ROE) | 13.1834% | 1,210 |
Retained earnings to average equity (ytd only) | 5.1987% | 2,797 |
Net charge-offs to loans | 0.0250% | 2,600 |
Credit loss provision to net charge-offs | 708.3333% | 470 |
Earnings coverage of net charge-offs (x) | 103.9696% | 730 |
Efficiency ratio | 55.8244% | 4,184 |
Assets per employee ($millions) | 4.7302% | 2,873 |
Cash dividends to net income (ytd only)* | 60.5663% | 1,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3805% | 258 |
Loan loss allowance to noncurrent loans | 248.1127% | 1,757 |
Noncurrent assets plus other real estate owned to assets | 0.6583% | 2,042 |
Noncurrent loans to loans | 0.9594% | 1,675 |
Net loans and leases to total assets | 66.9827% | 2,927 |
Net loans and leases to deposits | 80.6544% | 2,835 |
Net loans and leases to core deposits | 84.8463% | 3,011 |
Total domestic deposits to total assets | 83.0490% | 3,153 |
Equity capital to assets | 13.2572% | 1,477 |
Core capital (leverage) ratio | 12.4483% | 1,600 |
Tier 1 risk-based capital ratio | 14.4135% | 3,131 |
Total risk-based capital ratio | 15.6719% | 3,031 |
Memoranda: | ||
Average total assets | $271,654,500 | 2,340 |
Average earning assets | $252,559,250 | 2,339 |
Average equity | $34,648,750 | 2,169 |
Average total loans | $192,183,500 | 2,240 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8606% | 1,878 |
Cost of funding earning assets | 0.7816% | 2,738 |
Net interest margin | 4.0791% | 1,674 |
Noninterest income to average assets | 0.3327% | 3,710 |
Noninterest expense to average assets | 2.3361% | 3,908 |
Loan and lease loss provision to assets | 0.1542% | 1,181 |
Net operating income to assets | 1.6069% | 893 |
Return on assets (ROA) | 1.6069% | 933 |
Pretax return on assets | 1.6370% | 1,435 |
Return on Equity (ROE) | 12.7641% | 1,314 |
Retained earnings to average equity (ytd only) | 5.3262% | 2,611 |
Net charge-offs to loans | 0.0411% | 2,073 |
Credit loss provision to net charge-offs | 525.0000% | 577 |
Earnings coverage of net charge-offs (x) | 60.9750% | 970 |
Efficiency ratio | 56.6014% | 4,179 |
Assets per employee ($millions) | 4.7165% | 2,853 |
Cash dividends to net income (ytd only)* | 58.2724% | 1,454 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2722% | 307 |
Loan loss allowance to noncurrent loans | 375.7550% | 1,288 |
Noncurrent assets plus other real estate owned to assets | 0.4311% | 2,791 |
Noncurrent loans to loans | 0.6047% | 2,451 |
Net loans and leases to total assets | 69.6726% | 2,572 |
Net loans and leases to deposits | 84.8759% | 2,382 |
Net loans and leases to core deposits | 88.5254% | 2,745 |
Total domestic deposits to total assets | 82.0877% | 3,483 |
Equity capital to assets | 13.0872% | 1,551 |
Core capital (leverage) ratio | 12.1177% | 1,746 |
Tier 1 risk-based capital ratio | 14.0811% | 3,275 |
Total risk-based capital ratio | 15.3387% | 3,195 |
Memoranda: | ||
Average total assets | $272,333,000 | 2,344 |
Average earning assets | $253,342,670 | 2,340 |
Average equity | $34,283,670 | 2,179 |
Average total loans | $194,577,330 | 2,233 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7056% | 2,205 |
Cost of funding earning assets | 0.7772% | 2,651 |
Net interest margin | 3.9284% | 2,099 |
Noninterest income to average assets | 0.3109% | 3,791 |
Noninterest expense to average assets | 2.2913% | 4,045 |
Loan and lease loss provision to assets | 0.2408% | 619 |
Net operating income to assets | 1.3923% | 1,399 |
Return on assets (ROA) | 1.3923% | 1,434 |
Pretax return on assets | 1.4230% | 2,006 |
Return on Equity (ROE) | 11.2788% | 1,831 |
Retained earnings to average equity (ytd only) | 3.2985% | 3,599 |
Net charge-offs to loans | 0.1020% | 1,127 |
Credit loss provision to net charge-offs | 330.0000% | 777 |
Earnings coverage of net charge-offs (x) | 22.8000% | 1,484 |
Efficiency ratio | 57.9336% | 4,087 |
Assets per employee ($millions) | 4.8296% | 2,746 |
Cash dividends to net income (ytd only)* | 70.7547% | 1,106 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2393% | 338 |
Loan loss allowance to noncurrent loans | 526.3158% | 1,005 |
Noncurrent assets plus other real estate owned to assets | 0.3021% | 3,401 |
Noncurrent loans to loans | 0.4255% | 3,062 |
Net loans and leases to total assets | 69.4104% | 2,567 |
Net loans and leases to deposits | 83.7711% | 2,413 |
Net loans and leases to core deposits | 87.3120% | 2,752 |
Total domestic deposits to total assets | 82.8572% | 3,434 |
Equity capital to assets | 12.6437% | 1,658 |
Core capital (leverage) ratio | 12.0297% | 1,754 |
Tier 1 risk-based capital ratio | 13.7081% | 3,491 |
Total risk-based capital ratio | 14.9654% | 3,404 |
Memoranda: | ||
Average total assets | $274,078,000 | 2,348 |
Average earning assets | $254,248,000 | 2,354 |
Average equity | $33,833,500 | 2,197 |
Average total loans | $196,033,500 | 2,235 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7734% | 1,603 |
Cost of funding earning assets | 0.6484% | 2,402 |
Net interest margin | 4.1250% | 1,604 |
Noninterest income to average assets | 0.3400% | 3,840 |
Noninterest expense to average assets | 2.1914% | 4,361 |
Loan and lease loss provision to assets | 0.2153% | 847 |
Net operating income to assets | 1.7415% | 628 |
Return on assets (ROA) | 1.7411% | 629 |
Pretax return on assets | 1.7723% | 989 |
Return on Equity (ROE) | 14.3794% | 964 |
Retained earnings to average equity (ytd only) | 4.8769% | 2,844 |
Net charge-offs to loans | 0.4173% | 441 |
Credit loss provision to net charge-offs | 72.0497% | 2,964 |
Earnings coverage of net charge-offs (x) | 6.6534% | 3,065 |
Efficiency ratio | 52.4334% | 4,761 |
Assets per employee ($millions) | 4.9589% | 2,554 |
Cash dividends to net income (ytd only)* | 66.0840% | 1,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0921% | 404 |
Loan loss allowance to noncurrent loans | 276.0554% | 1,746 |
Noncurrent assets plus other real estate owned to assets | 0.5459% | 2,414 |
Noncurrent loans to loans | 0.7578% | 2,107 |
Net loans and leases to total assets | 70.5284% | 2,495 |
Net loans and leases to deposits | 85.6710% | 2,320 |
Net loans and leases to core deposits | 88.7990% | 2,670 |
Total domestic deposits to total assets | 82.3247% | 3,546 |
Equity capital to assets | 12.0530% | 1,857 |
Core capital (leverage) ratio | 11.8098% | 1,865 |
Tier 1 risk-based capital ratio | 13.3428% | 3,636 |
Total risk-based capital ratio | 14.5994% | 3,525 |
Memoranda: | ||
Average total assets | $269,421,000 | 2,340 |
Average earning assets | $250,762,600 | 2,332 |
Average equity | $32,623,000 | 2,179 |
Average total loans | $192,920,600 | 2,225 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7136% | 1,635 |
Cost of funding earning assets | 0.5936% | 2,516 |
Net interest margin | 4.1200% | 1,571 |
Noninterest income to average assets | 0.3406% | 3,869 |
Noninterest expense to average assets | 2.1973% | 4,332 |
Loan and lease loss provision to assets | 0.1770% | 1,034 |
Net operating income to assets | 1.7734% | 633 |
Return on assets (ROA) | 1.7729% | 637 |
Pretax return on assets | 1.8043% | 1,003 |
Return on Equity (ROE) | 14.6243% | 955 |
Retained earnings to average equity (ytd only) | 5.1627% | 3,148 |
Net charge-offs to loans | 0.4653% | 339 |
Credit loss provision to net charge-offs | 53.2234% | 2,804 |
Earnings coverage of net charge-offs (x) | 5.9580% | 2,928 |
Efficiency ratio | 52.5776% | 4,750 |
Assets per employee ($millions) | 4.8163% | 2,703 |
Cash dividends to net income (ytd only)* | 64.6976% | 1,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1137% | 407 |
Loan loss allowance to noncurrent loans | 167.6759% | 2,549 |
Noncurrent assets plus other real estate owned to assets | 0.9062% | 1,630 |
Noncurrent loans to loans | 1.2606% | 1,337 |
Net loans and leases to total assets | 70.3631% | 2,586 |
Net loans and leases to deposits | 89.0993% | 2,007 |
Net loans and leases to core deposits | 92.5845% | 2,428 |
Total domestic deposits to total assets | 78.9716% | 4,322 |
Equity capital to assets | 12.1315% | 1,819 |
Core capital (leverage) ratio | 11.7137% | 2,000 |
Tier 1 risk-based capital ratio | 13.1611% | 3,808 |
Total risk-based capital ratio | 14.4168% | 3,721 |
Memoranda: | ||
Average total assets | $267,351,750 | 2,365 |
Average earning assets | $249,089,750 | 2,357 |
Average equity | $32,411,000 | 2,192 |
Average total loans | $191,140,500 | 2,251 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6052% | 1,768 |
Cost of funding earning assets | 0.5177% | 2,873 |
Net interest margin | 4.0875% | 1,598 |
Noninterest income to average assets | 0.3444% | 3,875 |
Noninterest expense to average assets | 2.1383% | 4,515 |
Loan and lease loss provision to assets | 0.1351% | 1,459 |
Net operating income to assets | 1.8487% | 525 |
Return on assets (ROA) | 1.8487% | 528 |
Pretax return on assets | 1.8802% | 813 |
Return on Equity (ROE) | 15.2532% | 801 |
Retained earnings to average equity (ytd only) | 5.3485% | 2,909 |
Net charge-offs to loans | 0.1808% | 868 |
Credit loss provision to net charge-offs | 104.6512% | 1,952 |
Earnings coverage of net charge-offs (x) | 15.6163% | 2,032 |
Efficiency ratio | 51.4812% | 4,938 |
Assets per employee ($millions) | 4.6488% | 2,887 |
Cash dividends to net income (ytd only)* | 64.9351% | 1,153 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2593% | 335 |
Loan loss allowance to noncurrent loans | 107.1273% | 3,345 |
Noncurrent assets plus other real estate owned to assets | 1.5299% | 866 |
Noncurrent loans to loans | 2.1090% | 676 |
Net loans and leases to total assets | 70.9022% | 2,450 |
Net loans and leases to deposits | 88.5573% | 2,041 |
Net loans and leases to core deposits | 94.0118% | 2,219 |
Total domestic deposits to total assets | 80.0637% | 4,221 |
Equity capital to assets | 12.0673% | 1,813 |
Core capital (leverage) ratio | 11.7324% | 1,883 |
Tier 1 risk-based capital ratio | 13.3157% | 3,723 |
Total risk-based capital ratio | 14.5738% | 3,640 |
Memoranda: | ||
Average total assets | $266,565,330 | 2,371 |
Average earning assets | $248,414,000 | 2,375 |
Average equity | $32,308,000 | 2,209 |
Average total loans | $190,229,000 | 2,263 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5828% | 1,618 |
Cost of funding earning assets | 0.4890% | 2,876 |
Net interest margin | 4.0938% | 1,452 |
Noninterest income to average assets | 0.3486% | 3,810 |
Noninterest expense to average assets | 2.1597% | 4,508 |
Loan and lease loss provision to assets | 0.0453% | 2,860 |
Net operating income to assets | 1.9152% | 436 |
Return on assets (ROA) | 1.9152% | 435 |
Pretax return on assets | 1.9469% | 647 |
Return on Equity (ROE) | 15.7672% | 661 |
Retained earnings to average equity (ytd only) | 3.3423% | 3,875 |
Net charge-offs to loans | -0.1002% | 5,207 |
Credit loss provision to net charge-offs | -63.8298% | 3,639 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.0174% | 4,962 |
Assets per employee ($millions) | 4.9372% | 2,557 |
Cash dividends to net income (ytd only)* | 78.8022% | 854 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4088% | 281 |
Loan loss allowance to noncurrent loans | 679.8485% | 841 |
Noncurrent assets plus other real estate owned to assets | 0.2522% | 3,860 |
Noncurrent loans to loans | 0.3543% | 3,501 |
Net loans and leases to total assets | 69.4708% | 2,567 |
Net loans and leases to deposits | 85.1816% | 2,275 |
Net loans and leases to core deposits | 90.6827% | 2,397 |
Total domestic deposits to total assets | 81.5561% | 4,076 |
Equity capital to assets | 12.2423% | 1,641 |
Core capital (leverage) ratio | 11.6927% | 1,858 |
Tier 1 risk-based capital ratio | 13.2523% | 3,810 |
Total risk-based capital ratio | 14.5110% | 3,710 |
Memoranda: | ||
Average total assets | $265,033,500 | 2,401 |
Average earning assets | $246,223,000 | 2,409 |
Average equity | $32,193,500 | 2,227 |
Average total loans | $187,547,500 | 2,302 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4786% | 1,787 |
Cost of funding earning assets | 0.3915% | 3,322 |
Net interest margin | 4.0870% | 1,491 |
Noninterest income to average assets | 0.3410% | 4,030 |
Noninterest expense to average assets | 2.1470% | 4,656 |
Loan and lease loss provision to assets | 0.0461% | 3,314 |
Net operating income to assets | 1.9177% | 325 |
Return on assets (ROA) | 1.9294% | 329 |
Pretax return on assets | 1.9601% | 538 |
Return on Equity (ROE) | 15.6968% | 514 |
Retained earnings to average equity (ytd only) | 2.8742% | 3,589 |
Net charge-offs to loans | 0.0736% | 2,392 |
Credit loss provision to net charge-offs | 90.9091% | 2,765 |
Earnings coverage of net charge-offs (x) | 39.3030% | 1,277 |
Efficiency ratio | 51.8426% | 5,112 |
Assets per employee ($millions) | 5.2626% | 2,187 |
Cash dividends to net income (ytd only)* | 81.6896% | 785 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3355% | 300 |
Loan loss allowance to noncurrent loans | 668.1818% | 876 |
Noncurrent assets plus other real estate owned to assets | 0.2459% | 3,912 |
Noncurrent loans to loans | 0.3495% | 3,507 |
Net loans and leases to total assets | 68.7093% | 2,722 |
Net loans and leases to deposits | 85.3008% | 2,342 |
Net loans and leases to core deposits | 89.4222% | 2,617 |
Total domestic deposits to total assets | 80.5494% | 4,233 |
Equity capital to assets | 12.0540% | 1,797 |
Core capital (leverage) ratio | 11.8792% | 1,677 |
Tier 1 risk-based capital ratio | 13.0608% | 3,876 |
Total risk-based capital ratio | 14.3190% | 3,774 |
Memoranda: | ||
Average total assets | $260,135,600 | 2,414 |
Average earning assets | $241,886,000 | 2,413 |
Average equity | $31,974,600 | 2,219 |
Average total loans | $179,354,400 | 2,338 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4729% | 1,715 |
Cost of funding earning assets | 0.3799% | 3,375 |
Net interest margin | 4.0930% | 1,411 |
Noninterest income to average assets | 0.3503% | 4,028 |
Noninterest expense to average assets | 2.0950% | 4,746 |
Loan and lease loss provision to assets | 0.0465% | 3,173 |
Net operating income to assets | 1.9913% | 321 |
Return on assets (ROA) | 2.0071% | 317 |
Pretax return on assets | 2.0376% | 510 |
Return on Equity (ROE) | 16.2479% | 500 |
Retained earnings to average equity (ytd only) | 3.2830% | 3,971 |
Net charge-offs to loans | 0.0670% | 2,164 |
Credit loss provision to net charge-offs | 101.1236% | 2,253 |
Earnings coverage of net charge-offs (x) | 44.9789% | 1,203 |
Efficiency ratio | 50.3227% | 5,227 |
Assets per employee ($millions) | 4.7551% | 2,755 |
Cash dividends to net income (ytd only)* | 79.7941% | 650 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4817% | 273 |
Loan loss allowance to noncurrent loans | 683.6167% | 811 |
Noncurrent assets plus other real estate owned to assets | 0.2694% | 3,992 |
Noncurrent loans to loans | 0.3630% | 3,652 |
Net loans and leases to total assets | 68.9627% | 2,701 |
Net loans and leases to deposits | 82.9439% | 2,666 |
Net loans and leases to core deposits | 86.8422% | 2,887 |
Total domestic deposits to total assets | 83.1437% | 3,413 |
Equity capital to assets | 12.9387% | 1,421 |
Core capital (leverage) ratio | 11.9841% | 1,697 |
Tier 1 risk-based capital ratio | 13.8949% | 3,495 |
Total risk-based capital ratio | 15.1548% | 3,420 |
Memoranda: | ||
Average total assets | $258,071,250 | 2,447 |
Average earning assets | $240,403,500 | 2,437 |
Average equity | $31,880,250 | 2,245 |
Average total loans | $176,987,750 | 2,375 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3215% | 2,061 |
Cost of funding earning assets | 0.3552% | 3,528 |
Net interest margin | 3.9663% | 1,723 |
Noninterest income to average assets | 0.3568% | 4,009 |
Noninterest expense to average assets | 2.0239% | 4,921 |
Loan and lease loss provision to assets | 0.0461% | 3,066 |
Net operating income to assets | 1.9503% | 337 |
Return on assets (ROA) | 1.9739% | 328 |
Pretax return on assets | 2.0032% | 523 |
Return on Equity (ROE) | 16.2275% | 497 |
Retained earnings to average equity (ytd only) | 2.9522% | 3,956 |
Net charge-offs to loans | 0.0963% | 1,662 |
Credit loss provision to net charge-offs | 70.5882% | 2,373 |
Earnings coverage of net charge-offs (x) | 30.9882% | 1,439 |
Efficiency ratio | 49.9810% | 5,309 |
Assets per employee ($millions) | 4.7945% | 2,661 |
Cash dividends to net income (ytd only)* | 81.8076% | 812 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4305% | 305 |
Loan loss allowance to noncurrent loans | 303.8701% | 1,561 |
Noncurrent assets plus other real estate owned to assets | 0.5694% | 2,862 |
Noncurrent loans to loans | 0.7998% | 2,406 |
Net loans and leases to total assets | 69.4637% | 2,601 |
Net loans and leases to deposits | 86.7863% | 2,136 |
Net loans and leases to core deposits | 90.2256% | 2,496 |
Total domestic deposits to total assets | 80.0399% | 4,400 |
Equity capital to assets | 12.7261% | 1,508 |
Core capital (leverage) ratio | 11.6031% | 1,891 |
Tier 1 risk-based capital ratio | 13.5994% | 3,638 |
Total risk-based capital ratio | 14.8591% | 3,554 |
Memoranda: | ||
Average total assets | $260,088,670 | 2,438 |
Average earning assets | $242,138,670 | 2,428 |
Average equity | $31,637,670 | 2,257 |
Average total loans | $176,576,330 | 2,372 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1654% | 2,406 |
Cost of funding earning assets | 0.3256% | 3,796 |
Net interest margin | 3.8398% | 1,985 |
Noninterest income to average assets | 0.3634% | 3,932 |
Noninterest expense to average assets | 2.0131% | 5,027 |
Loan and lease loss provision to assets | 0.0456% | 2,886 |
Net operating income to assets | 1.8474% | 414 |
Return on assets (ROA) | 1.8489% | 424 |
Pretax return on assets | 1.8747% | 682 |
Return on Equity (ROE) | 15.5461% | 585 |
Retained earnings to average equity (ytd only) | 1.4830% | 4,511 |
Net charge-offs to loans | 0.0436% | 1,962 |
Credit loss provision to net charge-offs | 157.8947% | 1,173 |
Earnings coverage of net charge-offs (x) | 66.4211% | 745 |
Efficiency ratio | 51.1988% | 5,312 |
Assets per employee ($millions) | 5.0879% | 2,326 |
Cash dividends to net income (ytd only)* | 90.4605% | 820 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5561% | 297 |
Loan loss allowance to noncurrent loans | 301.7699% | 1,596 |
Noncurrent assets plus other real estate owned to assets | 0.5661% | 2,964 |
Noncurrent loans to loans | 0.8470% | 2,339 |
Net loans and leases to total assets | 65.1273% | 3,101 |
Net loans and leases to deposits | 84.1533% | 2,266 |
Net loans and leases to core deposits | 84.7934% | 2,827 |
Total domestic deposits to total assets | 77.3913% | 5,056 |
Equity capital to assets | 12.1453% | 1,742 |
Core capital (leverage) ratio | 11.3265% | 2,079 |
Tier 1 risk-based capital ratio | 13.3782% | 3,845 |
Total risk-based capital ratio | 14.6378% | 3,761 |
Memoranda: | ||
Average total assets | $263,079,500 | 2,441 |
Average earning assets | $244,493,000 | 2,441 |
Average equity | $31,287,500 | 2,274 |
Average total loans | $174,410,000 | 2,414 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2751% | 2,230 |
Cost of funding earning assets | 0.2910% | 4,164 |
Net interest margin | 3.9841% | 1,679 |
Noninterest income to average assets | 0.3573% | 4,185 |
Noninterest expense to average assets | 2.0693% | 5,055 |
Loan and lease loss provision to assets | 0.1319% | 1,888 |
Net operating income to assets | 1.8272% | 422 |
Return on assets (ROA) | 1.8481% | 421 |
Pretax return on assets | 1.8792% | 650 |
Return on Equity (ROE) | 15.0687% | 619 |
Retained earnings to average equity (ytd only) | 4.3144% | 2,828 |
Net charge-offs to loans | -0.1828% | 5,723 |
Credit loss provision to net charge-offs | -106.2500% | 4,904 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.9796% | 5,436 |
Assets per employee ($millions) | 5.3335% | 2,022 |
Cash dividends to net income (ytd only)* | 71.3686% | 1,257 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5212% | 306 |
Loan loss allowance to noncurrent loans | 283.4615% | 1,704 |
Noncurrent assets plus other real estate owned to assets | 0.5850% | 2,980 |
Noncurrent loans to loans | 0.8894% | 2,320 |
Net loans and leases to total assets | 64.1117% | 3,345 |
Net loans and leases to deposits | 82.4099% | 2,616 |
Net loans and leases to core deposits | 82.8347% | 3,142 |
Total domestic deposits to total assets | 77.7962% | 5,003 |
Equity capital to assets | 11.6471% | 2,046 |
Core capital (leverage) ratio | 11.6250% | 1,842 |
Tier 1 risk-based capital ratio | 13.2868% | 3,904 |
Total risk-based capital ratio | 14.5465% | 3,813 |
Memoranda: | ||
Average total assets | $257,771,400 | 2,453 |
Average earning assets | $239,504,000 | 2,441 |
Average equity | $31,615,200 | 2,246 |
Average total loans | $175,091,400 | 2,358 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3153% | 2,116 |
Cost of funding earning assets | 0.2978% | 4,121 |
Net interest margin | 4.0175% | 1,600 |
Noninterest income to average assets | 0.3725% | 4,113 |
Noninterest expense to average assets | 2.0541% | 5,098 |
Loan and lease loss provision to assets | 0.1409% | 1,666 |
Net operating income to assets | 1.8846% | 413 |
Return on assets (ROA) | 1.9132% | 416 |
Pretax return on assets | 1.9445% | 643 |
Return on Equity (ROE) | 15.3971% | 622 |
Retained earnings to average equity (ytd only) | 5.3199% | 2,610 |
Net charge-offs to loans | -0.0868% | 5,524 |
Credit loss provision to net charge-offs | -236.8421% | 4,908 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.9746% | 5,500 |
Assets per employee ($millions) | 5.0795% | 2,279 |
Cash dividends to net income (ytd only)* | 65.4486% | 1,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4776% | 338 |
Loan loss allowance to noncurrent loans | 238.5501% | 1,965 |
Noncurrent assets plus other real estate owned to assets | 0.6983% | 2,817 |
Noncurrent loans to loans | 1.0386% | 2,164 |
Net loans and leases to total assets | 65.5669% | 3,195 |
Net loans and leases to deposits | 81.6574% | 2,772 |
Net loans and leases to core deposits | 82.0941% | 3,275 |
Total domestic deposits to total assets | 80.2951% | 4,442 |
Equity capital to assets | 12.9278% | 1,527 |
Core capital (leverage) ratio | 11.8593% | 1,777 |
Tier 1 risk-based capital ratio | 13.8260% | 3,648 |
Total risk-based capital ratio | 15.0849% | 3,573 |
Memoranda: | ||
Average total assets | $255,545,500 | 2,470 |
Average earning assets | $237,751,250 | 2,457 |
Average equity | $31,754,000 | 2,257 |
Average total loans | $175,016,250 | 2,365 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2964% | 2,169 |
Cost of funding earning assets | 0.2987% | 4,148 |
Net interest margin | 3.9978% | 1,650 |
Noninterest income to average assets | 0.3895% | 3,957 |
Noninterest expense to average assets | 2.0523% | 5,163 |
Loan and lease loss provision to assets | 0.1397% | 1,625 |
Net operating income to assets | 1.8855% | 409 |
Return on assets (ROA) | 1.9274% | 398 |
Pretax return on assets | 1.9584% | 626 |
Return on Equity (ROE) | 15.7151% | 574 |
Retained earnings to average equity (ytd only) | 8.1232% | 1,136 |
Net charge-offs to loans | -0.1138% | 5,666 |
Credit loss provision to net charge-offs | -178.2178% | 4,702 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.9622% | 5,562 |
Assets per employee ($millions) | 5.0681% | 2,236 |
Cash dividends to net income (ytd only)* | 48.3092% | 2,051 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3006% | 468 |
Loan loss allowance to noncurrent loans | 143.4197% | 2,967 |
Noncurrent assets plus other real estate owned to assets | 1.1124% | 1,900 |
Noncurrent loans to loans | 1.6041% | 1,336 |
Net loans and leases to total assets | 67.7544% | 2,815 |
Net loans and leases to deposits | 84.9705% | 2,354 |
Net loans and leases to core deposits | 85.2934% | 2,960 |
Total domestic deposits to total assets | 79.7388% | 4,616 |
Equity capital to assets | 12.7815% | 1,618 |
Core capital (leverage) ratio | 11.5186% | 1,980 |
Tier 1 risk-based capital ratio | 13.4869% | 3,914 |
Total risk-based capital ratio | 14.7448% | 3,820 |
Memoranda: | ||
Average total assets | $257,761,670 | 2,471 |
Average earning assets | $239,733,330 | 2,457 |
Average equity | $31,613,000 | 2,266 |
Average total loans | $177,575,000 | 2,337 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3164% | 2,069 |
Cost of funding earning assets | 0.2983% | 4,180 |
Net interest margin | 4.0181% | 1,560 |
Noninterest income to average assets | 0.4309% | 3,609 |
Noninterest expense to average assets | 2.0420% | 5,242 |
Loan and lease loss provision to assets | 0.1385% | 1,512 |
Net operating income to assets | 1.9720% | 356 |
Return on assets (ROA) | 2.0528% | 316 |
Pretax return on assets | 2.0636% | 501 |
Return on Equity (ROE) | 17.0889% | 428 |
Retained earnings to average equity (ytd only) | 9.4027% | 1,001 |
Net charge-offs to loans | -0.1591% | 5,789 |
Credit loss provision to net charge-offs | -126.7606% | 4,269 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.0573% | 5,677 |
Assets per employee ($millions) | 5.2883% | 2,044 |
Cash dividends to net income (ytd only)* | 44.9775% | 1,920 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1612% | 625 |
Loan loss allowance to noncurrent loans | 127.3288% | 3,106 |
Noncurrent assets plus other real estate owned to assets | 1.1890% | 1,843 |
Noncurrent loans to loans | 1.6973% | 1,332 |
Net loans and leases to total assets | 68.5376% | 2,572 |
Net loans and leases to deposits | 88.7224% | 1,733 |
Net loans and leases to core deposits | 89.0623% | 2,453 |
Total domestic deposits to total assets | 77.2495% | 5,258 |
Equity capital to assets | 12.2372% | 1,866 |
Core capital (leverage) ratio | 11.0941% | 2,320 |
Tier 1 risk-based capital ratio | 12.5338% | 4,554 |
Total risk-based capital ratio | 13.7898% | 4,464 |
Memoranda: | ||
Average total assets | $259,940,000 | 2,462 |
Average earning assets | $241,405,000 | 2,455 |
Average equity | $31,225,000 | 2,288 |
Average total loans | $178,494,500 | 2,326 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2947% | 2,241 |
Cost of funding earning assets | 0.2738% | 4,548 |
Net interest margin | 4.0209% | 1,651 |
Noninterest income to average assets | 0.4357% | 3,780 |
Noninterest expense to average assets | 2.1356% | 5,182 |
Loan and lease loss provision to assets | 0.1821% | 1,244 |
Net operating income to assets | 1.8142% | 476 |
Return on assets (ROA) | 1.8318% | 470 |
Pretax return on assets | 1.8659% | 701 |
Return on Equity (ROE) | 15.6666% | 593 |
Retained earnings to average equity (ytd only) | 0.2094% | 5,427 |
Net charge-offs to loans | 0.1216% | 2,159 |
Credit loss provision to net charge-offs | 221.3953% | 1,283 |
Earnings coverage of net charge-offs (x) | 24.6837% | 1,658 |
Efficiency ratio | 51.2672% | 5,682 |
Assets per employee ($millions) | 5.1128% | 2,226 |
Cash dividends to net income (ytd only)* | 98.6636% | 419 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1440% | 648 |
Loan loss allowance to noncurrent loans | 186.6998% | 2,379 |
Noncurrent assets plus other real estate owned to assets | 0.7728% | 2,748 |
Noncurrent loans to loans | 1.1484% | 2,049 |
Net loans and leases to total assets | 65.8495% | 3,001 |
Net loans and leases to deposits | 83.9591% | 2,370 |
Net loans and leases to core deposits | 84.3767% | 2,940 |
Total domestic deposits to total assets | 78.4305% | 5,076 |
Equity capital to assets | 11.7890% | 2,117 |
Core capital (leverage) ratio | 11.0736% | 2,331 |
Tier 1 risk-based capital ratio | 12.5960% | 4,573 |
Total risk-based capital ratio | 13.8512% | 4,464 |
Memoranda: | ||
Average total assets | $261,431,400 | 2,413 |
Average earning assets | $242,507,600 | 2,401 |
Average equity | $30,568,200 | 2,280 |
Average total loans | $176,768,000 | 2,273 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2943% | 2,251 |
Cost of funding earning assets | 0.2705% | 4,657 |
Net interest margin | 4.0238% | 1,626 |
Noninterest income to average assets | 0.4597% | 3,639 |
Noninterest expense to average assets | 2.1299% | 5,218 |
Loan and lease loss provision to assets | 0.1809% | 1,149 |
Net operating income to assets | 1.8536% | 464 |
Return on assets (ROA) | 1.8771% | 461 |
Pretax return on assets | 1.9113% | 703 |
Return on Equity (ROE) | 16.0868% | 579 |
Retained earnings to average equity (ytd only) | -0.1835% | 5,632 |
Net charge-offs to loans | 0.1739% | 1,439 |
Credit loss provision to net charge-offs | 153.6797% | 1,647 |
Earnings coverage of net charge-offs (x) | 17.5672% | 2,050 |
Efficiency ratio | 50.7345% | 5,739 |
Assets per employee ($millions) | 4.9776% | 2,326 |
Cash dividends to net income (ytd only)* | 101.1404% | 364 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1063% | 768 |
Loan loss allowance to noncurrent loans | 136.9992% | 2,992 |
Noncurrent assets plus other real estate owned to assets | 1.0423% | 2,272 |
Noncurrent loans to loans | 1.5375% | 1,626 |
Net loans and leases to total assets | 66.3666% | 2,953 |
Net loans and leases to deposits | 81.4197% | 2,714 |
Net loans and leases to core deposits | 81.7203% | 3,282 |
Total domestic deposits to total assets | 81.5117% | 4,320 |
Equity capital to assets | 12.0961% | 2,033 |
Core capital (leverage) ratio | 10.7056% | 2,816 |
Tier 1 risk-based capital ratio | 12.6992% | 4,612 |
Total risk-based capital ratio | 13.9543% | 4,518 |
Memoranda: | ||
Average total assets | $261,601,250 | 2,427 |
Average earning assets | $243,045,500 | 2,412 |
Average equity | $30,525,250 | 2,298 |
Average total loans | $177,093,500 | 2,282 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2391% | 2,396 |
Cost of funding earning assets | 0.2608% | 4,822 |
Net interest margin | 3.9783% | 1,707 |
Noninterest income to average assets | 0.4921% | 3,433 |
Noninterest expense to average assets | 2.1455% | 5,233 |
Loan and lease loss provision to assets | 0.1764% | 1,175 |
Net operating income to assets | 1.8325% | 480 |
Return on assets (ROA) | 1.8533% | 485 |
Pretax return on assets | 1.8866% | 753 |
Return on Equity (ROE) | 16.0711% | 604 |
Retained earnings to average equity (ytd only) | -1.8185% | 5,812 |
Net charge-offs to loans | -0.1488% | 5,929 |
Credit loss provision to net charge-offs | -175.1880% | 5,011 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.2385% | 5,778 |
Assets per employee ($millions) | 5.1838% | 2,053 |
Cash dividends to net income (ytd only)* | 111.3154% | 382 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1400% | 803 |
Loan loss allowance to noncurrent loans | 154.2481% | 2,742 |
Noncurrent assets plus other real estate owned to assets | 0.9483% | 2,637 |
Noncurrent loans to loans | 1.3874% | 1,948 |
Net loans and leases to total assets | 66.8876% | 2,804 |
Net loans and leases to deposits | 84.2089% | 2,290 |
Net loans and leases to core deposits | 84.5961% | 2,922 |
Total domestic deposits to total assets | 79.4305% | 4,995 |
Equity capital to assets | 11.4577% | 2,450 |
Core capital (leverage) ratio | 10.5482% | 2,896 |
Tier 1 risk-based capital ratio | 12.1729% | 5,019 |
Total risk-based capital ratio | 13.4285% | 4,917 |
Memoranda: | ||
Average total assets | $264,182,330 | 2,420 |
Average earning assets | $245,382,330 | 2,414 |
Average equity | $30,464,670 | 2,305 |
Average total loans | $178,757,330 | 2,268 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2179% | 2,389 |
Cost of funding earning assets | 0.2615% | 4,889 |
Net interest margin | 3.9564% | 1,698 |
Noninterest income to average assets | 0.4817% | 3,408 |
Noninterest expense to average assets | 2.2417% | 5,035 |
Loan and lease loss provision to assets | 0.1696% | 1,171 |
Net operating income to assets | 1.7040% | 584 |
Return on assets (ROA) | 1.7070% | 608 |
Pretax return on assets | 1.7403% | 965 |
Return on Equity (ROE) | 14.7554% | 744 |
Retained earnings to average equity (ytd only) | -8.8114% | 6,102 |
Net charge-offs to loans | -0.1732% | 6,016 |
Credit loss provision to net charge-offs | -145.4545% | 4,554 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.0343% | 5,676 |
Assets per employee ($millions) | 4.8954% | 2,493 |
Cash dividends to net income (ytd only)* | 159.7161% | 331 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1190% | 902 |
Loan loss allowance to noncurrent loans | 151.9769% | 2,769 |
Noncurrent assets plus other real estate owned to assets | 0.9358% | 2,759 |
Noncurrent loans to loans | 1.3943% | 2,059 |
Net loans and leases to total assets | 65.6951% | 2,824 |
Net loans and leases to deposits | 79.3906% | 2,630 |
Net loans and leases to core deposits | 79.7472% | 3,196 |
Total domestic deposits to total assets | 82.7493% | 4,252 |
Equity capital to assets | 11.6914% | 2,302 |
Core capital (leverage) ratio | 10.5028% | 2,957 |
Tier 1 risk-based capital ratio | 11.6024% | 5,494 |
Total risk-based capital ratio | 12.8567% | 5,407 |
Memoranda: | ||
Average total assets | $264,087,500 | 2,436 |
Average earning assets | $244,767,500 | 2,431 |
Average equity | $30,551,500 | 2,318 |
Average total loans | $177,786,500 | 2,284 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2499% | 2,778 |
Cost of funding earning assets | 0.2851% | 4,953 |
Net interest margin | 3.9649% | 1,998 |
Noninterest income to average assets | 0.5250% | 3,324 |
Noninterest expense to average assets | 2.1586% | 5,435 |
Loan and lease loss provision to assets | 0.1618% | 1,624 |
Net operating income to assets | 1.8098% | 471 |
Return on assets (ROA) | 1.8273% | 469 |
Pretax return on assets | 1.8630% | 693 |
Return on Equity (ROE) | 16.0243% | 618 |
Retained earnings to average equity (ytd only) | 4.4475% | 3,013 |
Net charge-offs to loans | 0.1907% | 2,141 |
Credit loss provision to net charge-offs | 131.4815% | 1,815 |
Earnings coverage of net charge-offs (x) | 16.3056% | 2,018 |
Efficiency ratio | 51.8194% | 5,997 |
Assets per employee ($millions) | 5.1677% | 2,105 |
Cash dividends to net income (ytd only)* | 72.2453% | 1,204 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9296% | 1,242 |
Loan loss allowance to noncurrent loans | 177.5355% | 2,463 |
Noncurrent assets plus other real estate owned to assets | 0.7339% | 3,374 |
Noncurrent loans to loans | 1.0869% | 2,651 |
Net loans and leases to total assets | 66.2149% | 2,849 |
Net loans and leases to deposits | 84.5853% | 2,150 |
Net loans and leases to core deposits | 85.1765% | 2,765 |
Total domestic deposits to total assets | 78.2818% | 5,378 |
Equity capital to assets | 11.4503% | 2,477 |
Core capital (leverage) ratio | 10.7516% | 2,672 |
Tier 1 risk-based capital ratio | 12.1155% | 5,288 |
Total risk-based capital ratio | 13.3691% | 5,190 |
Memoranda: | ||
Average total assets | $263,228,800 | 2,398 |
Average earning assets | $241,698,200 | 2,418 |
Average equity | $30,017,000 | 2,269 |
Average total loans | $169,859,000 | 2,320 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2324% | 2,877 |
Cost of funding earning assets | 0.2915% | 4,975 |
Net interest margin | 3.9409% | 2,073 |
Noninterest income to average assets | 0.5443% | 3,239 |
Noninterest expense to average assets | 2.1431% | 5,477 |
Loan and lease loss provision to assets | 0.1629% | 1,527 |
Net operating income to assets | 1.8142% | 502 |
Return on assets (ROA) | 1.8376% | 489 |
Pretax return on assets | 1.8763% | 753 |
Return on Equity (ROE) | 16.1315% | 662 |
Retained earnings to average equity (ytd only) | 5.5157% | 2,734 |
Net charge-offs to loans | -0.0671% | 6,021 |
Credit loss provision to net charge-offs | -380.9524% | 5,693 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.5367% | 6,022 |
Assets per employee ($millions) | 4.8819% | 2,396 |
Cash dividends to net income (ytd only)* | 65.8078% | 1,169 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2743% | 852 |
Loan loss allowance to noncurrent loans | 160.7777% | 2,572 |
Noncurrent assets plus other real estate owned to assets | 0.9144% | 3,151 |
Noncurrent loans to loans | 1.4146% | 2,299 |
Net loans and leases to total assets | 63.1730% | 3,322 |
Net loans and leases to deposits | 79.3868% | 2,782 |
Net loans and leases to core deposits | 80.1498% | 3,296 |
Total domestic deposits to total assets | 79.5762% | 5,204 |
Equity capital to assets | 11.8392% | 2,201 |
Core capital (leverage) ratio | 10.6851% | 2,832 |
Tier 1 risk-based capital ratio | 12.6077% | 5,105 |
Total risk-based capital ratio | 13.8637% | 5,022 |
Memoranda: | ||
Average total assets | $261,856,250 | 2,435 |
Average earning assets | $240,140,500 | 2,439 |
Average equity | $29,829,000 | 2,291 |
Average total loans | $166,965,500 | 2,367 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1601% | 3,103 |
Cost of funding earning assets | 0.2924% | 5,042 |
Net interest margin | 3.8677% | 2,303 |
Noninterest income to average assets | 0.4800% | 3,629 |
Noninterest expense to average assets | 2.0358% | 5,760 |
Loan and lease loss provision to assets | 0.1620% | 1,529 |
Net operating income to assets | 1.7946% | 498 |
Return on assets (ROA) | 1.8296% | 480 |
Pretax return on assets | 1.8700% | 729 |
Return on Equity (ROE) | 16.2714% | 629 |
Retained earnings to average equity (ytd only) | 5.6155% | 2,568 |
Net charge-offs to loans | -0.0755% | 6,054 |
Credit loss provision to net charge-offs | -338.0952% | 5,495 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.4906% | 6,150 |
Assets per employee ($millions) | 5.1142% | 2,080 |
Cash dividends to net income (ytd only)* | 65.4886% | 1,314 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1237% | 1,134 |
Loan loss allowance to noncurrent loans | 153.8301% | 2,663 |
Noncurrent assets plus other real estate owned to assets | 0.8983% | 3,298 |
Noncurrent loans to loans | 1.3805% | 2,497 |
Net loans and leases to total assets | 63.6893% | 3,124 |
Net loans and leases to deposits | 82.5607% | 2,188 |
Net loans and leases to core deposits | 83.4589% | 2,798 |
Total domestic deposits to total assets | 77.1424% | 5,783 |
Equity capital to assets | 11.3609% | 2,541 |
Core capital (leverage) ratio | 10.5734% | 2,857 |
Tier 1 risk-based capital ratio | 12.4520% | 5,259 |
Total risk-based capital ratio | 13.7078% | 5,178 |
Memoranda: | ||
Average total assets | $262,894,330 | 2,431 |
Average earning assets | $241,433,670 | 2,429 |
Average equity | $29,561,000 | 2,293 |
Average total loans | $166,867,670 | 2,373 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1214% | 3,199 |
Cost of funding earning assets | 0.2944% | 5,131 |
Net interest margin | 3.8270% | 2,359 |
Noninterest income to average assets | 0.5739% | 2,891 |
Noninterest expense to average assets | 2.0721% | 5,733 |
Loan and lease loss provision to assets | 0.1638% | 1,486 |
Net operating income to assets | 1.8181% | 470 |
Return on assets (ROA) | 1.8181% | 490 |
Pretax return on assets | 1.8594% | 712 |
Return on Equity (ROE) | 16.2545% | 617 |
Retained earnings to average equity (ytd only) | -0.1642% | 5,582 |
Net charge-offs to loans | -0.1881% | 6,363 |
Credit loss provision to net charge-offs | -138.9610% | 4,895 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.5979% | 6,220 |
Assets per employee ($millions) | 5.2686% | 1,940 |
Cash dividends to net income (ytd only)* | 101.0101% | 667 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1943% | 1,170 |
Loan loss allowance to noncurrent loans | 152.0153% | 2,625 |
Noncurrent assets plus other real estate owned to assets | 0.9130% | 3,443 |
Noncurrent loans to loans | 1.4435% | 2,622 |
Net loans and leases to total assets | 61.8604% | 3,263 |
Net loans and leases to deposits | 74.5513% | 3,001 |
Net loans and leases to core deposits | 75.3416% | 3,483 |
Total domestic deposits to total assets | 82.9770% | 4,611 |
Equity capital to assets | 11.4045% | 2,327 |
Core capital (leverage) ratio | 10.2056% | 3,284 |
Tier 1 risk-based capital ratio | 12.5240% | 5,300 |
Total risk-based capital ratio | 13.7794% | 5,233 |
Memoranda: | ||
Average total assets | $261,372,500 | 2,445 |
Average earning assets | $240,503,500 | 2,436 |
Average equity | $29,235,000 | 2,311 |
Average total loans | $163,777,000 | 2,410 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3480% | 2,778 |
Cost of funding earning assets | 0.3115% | 5,508 |
Net interest margin | 4.0366% | 1,845 |
Noninterest income to average assets | 0.4117% | 4,364 |
Noninterest expense to average assets | 2.0518% | 5,920 |
Loan and lease loss provision to assets | 0.1514% | 2,387 |
Net operating income to assets | 1.9011% | 396 |
Return on assets (ROA) | 1.9150% | 396 |
Pretax return on assets | 1.9474% | 542 |
Return on Equity (ROE) | 17.5417% | 449 |
Retained earnings to average equity (ytd only) | -2.0096% | 6,176 |
Net charge-offs to loans | 0.0283% | 4,860 |
Credit loss provision to net charge-offs | 850.0000% | 294 |
Earnings coverage of net charge-offs (x) | 117.0455% | 405 |
Efficiency ratio | 49.6037% | 6,414 |
Assets per employee ($millions) | 5.2917% | 1,858 |
Cash dividends to net income (ytd only)* | 111.4564% | 284 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0691% | 1,396 |
Loan loss allowance to noncurrent loans | 131.2355% | 2,966 |
Noncurrent assets plus other real estate owned to assets | 1.0488% | 3,318 |
Noncurrent loans to loans | 1.5767% | 2,531 |
Net loans and leases to total assets | 60.8021% | 3,572 |
Net loans and leases to deposits | 73.8175% | 3,290 |
Net loans and leases to core deposits | 74.8848% | 3,748 |
Total domestic deposits to total assets | 82.3681% | 4,746 |
Equity capital to assets | 10.9712% | 2,634 |
Core capital (leverage) ratio | 10.1277% | 3,390 |
Tier 1 risk-based capital ratio | 12.4970% | 5,292 |
Total risk-based capital ratio | 13.7515% | 5,245 |
Memoranda: | ||
Average total assets | $247,047,600 | 2,559 |
Average earning assets | $227,965,200 | 2,534 |
Average equity | $26,970,000 | 2,458 |
Average total loans | $155,348,000 | 2,489 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3642% | 2,715 |
Cost of funding earning assets | 0.3181% | 5,570 |
Net interest margin | 4.0461% | 1,800 |
Noninterest income to average assets | 0.4330% | 4,280 |
Noninterest expense to average assets | 2.0137% | 5,986 |
Loan and lease loss provision to assets | 0.1467% | 2,443 |
Net operating income to assets | 1.9809% | 373 |
Return on assets (ROA) | 1.9978% | 373 |
Pretax return on assets | 2.0280% | 548 |
Return on Equity (ROE) | 18.3247% | 415 |
Retained earnings to average equity (ytd only) | -4.8533% | 6,487 |
Net charge-offs to loans | 0.0427% | 4,302 |
Credit loss provision to net charge-offs | 544.8980% | 516 |
Earnings coverage of net charge-offs (x) | 80.1450% | 592 |
Efficiency ratio | 48.2745% | 6,492 |
Assets per employee ($millions) | 5.0581% | 2,096 |
Cash dividends to net income (ytd only)* | 126.4852% | 207 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9871% | 1,750 |
Loan loss allowance to noncurrent loans | 121.2021% | 2,992 |
Noncurrent assets plus other real estate owned to assets | 1.1577% | 3,340 |
Noncurrent loans to loans | 1.6395% | 2,716 |
Net loans and leases to total assets | 61.6427% | 3,429 |
Net loans and leases to deposits | 73.4560% | 3,321 |
Net loans and leases to core deposits | 74.6915% | 3,767 |
Total domestic deposits to total assets | 83.9179% | 4,224 |
Equity capital to assets | 10.8140% | 2,942 |
Core capital (leverage) ratio | 9.6514% | 4,166 |
Tier 1 risk-based capital ratio | 12.3554% | 5,542 |
Total risk-based capital ratio | 13.6091% | 5,475 |
Memoranda: | ||
Average total assets | $242,663,750 | 2,616 |
Average earning assets | $224,210,750 | 2,586 |
Average equity | $26,455,500 | 2,534 |
Average total loans | $153,117,250 | 2,528 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2598% | 3,120 |
Cost of funding earning assets | 0.3281% | 5,581 |
Net interest margin | 3.9317% | 2,104 |
Noninterest income to average assets | 0.3722% | 4,733 |
Noninterest expense to average assets | 1.9603% | 6,114 |
Loan and lease loss provision to assets | 0.1272% | 2,725 |
Net operating income to assets | 1.8911% | 428 |
Return on assets (ROA) | 1.9052% | 457 |
Pretax return on assets | 1.9366% | 686 |
Return on Equity (ROE) | 17.4233% | 516 |
Retained earnings to average equity (ytd only) | -12.9648% | 6,727 |
Net charge-offs to loans | 0.0550% | 3,911 |
Credit loss provision to net charge-offs | 365.8537% | 710 |
Earnings coverage of net charge-offs (x) | 58.9512% | 714 |
Efficiency ratio | 48.8898% | 6,490 |
Assets per employee ($millions) | 5.5296% | 1,557 |
Cash dividends to net income (ytd only)* | 174.4103% | 140 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8155% | 2,389 |
Loan loss allowance to noncurrent loans | 98.3596% | 3,505 |
Noncurrent assets plus other real estate owned to assets | 1.2891% | 3,191 |
Noncurrent loans to loans | 1.8457% | 2,569 |
Net loans and leases to total assets | 62.1655% | 3,262 |
Net loans and leases to deposits | 75.8916% | 2,892 |
Net loans and leases to core deposits | 76.8650% | 3,444 |
Total domestic deposits to total assets | 81.9136% | 5,087 |
Equity capital to assets | 10.2066% | 3,653 |
Core capital (leverage) ratio | 9.4700% | 4,293 |
Tier 1 risk-based capital ratio | 11.5622% | 6,078 |
Total risk-based capital ratio | 12.8147% | 6,035 |
Memoranda: | ||
Average total assets | $235,878,670 | 2,686 |
Average earning assets | $218,228,670 | 2,661 |
Average equity | $25,793,000 | 2,599 |
Average total loans | $149,016,670 | 2,586 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5630% | 1,938 |
Cost of funding earning assets | 0.3665% | 5,400 |
Net interest margin | 4.1965% | 1,194 |
Noninterest income to average assets | 0.3674% | 4,734 |
Noninterest expense to average assets | 2.1022% | 5,910 |
Loan and lease loss provision to assets | 0.1392% | 2,504 |
Net operating income to assets | 1.9577% | 372 |
Return on assets (ROA) | 1.9687% | 390 |
Pretax return on assets | 2.0039% | 590 |
Return on Equity (ROE) | 17.2661% | 492 |
Retained earnings to average equity (ytd only) | 0.9113% | 5,482 |
Net charge-offs to loans | 0.1059% | 2,813 |
Credit loss provision to net charge-offs | 208.3333% | 1,054 |
Earnings coverage of net charge-offs (x) | 31.9167% | 935 |
Efficiency ratio | 49.6494% | 6,523 |
Assets per employee ($millions) | 5.1598% | 2,023 |
Cash dividends to net income (ytd only)* | 94.7220% | 705 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3266% | 1,365 |
Loan loss allowance to noncurrent loans | 174.2152% | 2,107 |
Noncurrent assets plus other real estate owned to assets | 1.0551% | 3,822 |
Noncurrent loans to loans | 1.3355% | 3,565 |
Net loans and leases to total assets | 61.6749% | 3,129 |
Net loans and leases to deposits | 70.4573% | 3,401 |
Net loans and leases to core deposits | 71.8783% | 3,833 |
Total domestic deposits to total assets | 87.5350% | 2,612 |
Equity capital to assets | 11.5943% | 2,336 |
Core capital (leverage) ratio | 10.2945% | 3,021 |
Tier 1 risk-based capital ratio | 12.6289% | 5,490 |
Total risk-based capital ratio | 13.8853% | 5,438 |
Memoranda: | ||
Average total assets | $215,579,000 | 2,925 |
Average earning assets | $198,640,000 | 2,914 |
Average equity | $24,580,000 | 2,747 |
Average total loans | $135,999,000 | 2,791 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6709% | 2,705 |
Cost of funding earning assets | 0.5596% | 4,728 |
Net interest margin | 4.1113% | 1,955 |
Noninterest income to average assets | 0.3512% | 4,952 |
Noninterest expense to average assets | 2.1537% | 6,016 |
Loan and lease loss provision to assets | 0.1374% | 3,905 |
Net operating income to assets | 1.8202% | 496 |
Return on assets (ROA) | 1.8368% | 539 |
Pretax return on assets | 1.8721% | 792 |
Return on Equity (ROE) | 16.1238% | 643 |
Retained earnings to average equity (ytd only) | -0.3578% | 5,915 |
Net charge-offs to loans | -0.0136% | 6,510 |
Credit loss provision to net charge-offs | -1,666.6667% | 6,624 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.1928% | 6,508 |
Assets per employee ($millions) | 5.1071% | 2,087 |
Cash dividends to net income (ytd only)* | 102.2189% | 444 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2172% | 1,530 |
Loan loss allowance to noncurrent loans | 208.6336% | 1,781 |
Noncurrent assets plus other real estate owned to assets | 0.7099% | 4,708 |
Noncurrent loans to loans | 1.0627% | 4,088 |
Net loans and leases to total assets | 61.6316% | 3,309 |
Net loans and leases to deposits | 71.3993% | 3,510 |
Net loans and leases to core deposits | 73.0968% | 3,911 |
Total domestic deposits to total assets | 86.3195% | 3,191 |
Equity capital to assets | 11.2165% | 2,712 |
Core capital (leverage) ratio | 10.4812% | 2,791 |
Tier 1 risk-based capital ratio | 12.2614% | 5,627 |
Total risk-based capital ratio | 13.5173% | 5,577 |
Memoranda: | ||
Average total assets | $218,365,000 | 2,856 |
Average earning assets | $201,566,200 | 2,826 |
Average equity | $24,876,200 | 2,670 |
Average total loans | $132,224,800 | 2,842 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7215% | 2,705 |
Cost of funding earning assets | 0.5913% | 4,734 |
Net interest margin | 4.1302% | 1,976 |
Noninterest income to average assets | 0.3601% | 4,942 |
Noninterest expense to average assets | 2.1370% | 6,094 |
Loan and lease loss provision to assets | 0.1376% | 3,828 |
Net operating income to assets | 1.8763% | 481 |
Return on assets (ROA) | 1.8924% | 539 |
Pretax return on assets | 1.9285% | 814 |
Return on Equity (ROE) | 16.5478% | 663 |
Retained earnings to average equity (ytd only) | 1.7109% | 5,476 |
Net charge-offs to loans | -0.1184% | 6,888 |
Credit loss provision to net charge-offs | -193.9655% | 6,333 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.2994% | 6,565 |
Assets per employee ($millions) | 5.2396% | 1,893 |
Cash dividends to net income (ytd only)* | 89.6609% | 464 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4585% | 1,256 |
Loan loss allowance to noncurrent loans | 205.4485% | 1,744 |
Noncurrent assets plus other real estate owned to assets | 0.9924% | 4,295 |
Noncurrent loans to loans | 1.1966% | 4,058 |
Net loans and leases to total assets | 58.5331% | 4,038 |
Net loans and leases to deposits | 67.2879% | 4,291 |
Net loans and leases to core deposits | 69.7645% | 4,523 |
Total domestic deposits to total assets | 86.9890% | 2,673 |
Equity capital to assets | 12.0763% | 2,192 |
Core capital (leverage) ratio | 10.5372% | 2,873 |
Tier 1 risk-based capital ratio | 13.2602% | 5,047 |
Total risk-based capital ratio | 14.5173% | 5,010 |
Memoranda: | ||
Average total assets | $218,055,000 | 2,874 |
Average earning assets | $202,020,500 | 2,846 |
Average equity | $24,937,250 | 2,693 |
Average total loans | $130,677,250 | 2,904 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7247% | 2,824 |
Cost of funding earning assets | 0.6157% | 4,756 |
Net interest margin | 4.1089% | 2,055 |
Noninterest income to average assets | 0.3685% | 4,886 |
Noninterest expense to average assets | 2.1469% | 6,131 |
Loan and lease loss provision to assets | 0.1358% | 3,827 |
Net operating income to assets | 1.8558% | 505 |
Return on assets (ROA) | 1.8798% | 549 |
Pretax return on assets | 1.9169% | 822 |
Return on Equity (ROE) | 16.7332% | 674 |
Retained earnings to average equity (ytd only) | -2.0070% | 6,360 |
Net charge-offs to loans | -0.1119% | 6,876 |
Credit loss provision to net charge-offs | -202.7027% | 6,146 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.6831% | 6,597 |
Assets per employee ($millions) | 5.7142% | 1,431 |
Cash dividends to net income (ytd only)* | 111.9942% | 328 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1889% | 1,795 |
Loan loss allowance to noncurrent loans | 144.5578% | 2,321 |
Noncurrent assets plus other real estate owned to assets | 1.1326% | 4,123 |
Noncurrent loans to loans | 1.5142% | 3,632 |
Net loans and leases to total assets | 59.6521% | 3,888 |
Net loans and leases to deposits | 72.4644% | 3,541 |
Net loans and leases to core deposits | 75.2931% | 3,841 |
Total domestic deposits to total assets | 82.3192% | 5,010 |
Equity capital to assets | 11.0190% | 3,094 |
Core capital (leverage) ratio | 9.8634% | 3,632 |
Tier 1 risk-based capital ratio | 12.4486% | 5,602 |
Total risk-based capital ratio | 13.6434% | 5,639 |
Memoranda: | ||
Average total assets | $220,878,670 | 2,858 |
Average earning assets | $204,628,670 | 2,824 |
Average equity | $24,813,000 | 2,692 |
Average total loans | $132,313,670 | 2,884 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7622% | 2,798 |
Cost of funding earning assets | 0.6625% | 4,610 |
Net interest margin | 4.0997% | 2,089 |
Noninterest income to average assets | 0.3256% | 5,263 |
Noninterest expense to average assets | 2.2702% | 5,854 |
Loan and lease loss provision to assets | 0.1364% | 3,644 |
Net operating income to assets | 1.7045% | 711 |
Return on assets (ROA) | 1.7045% | 793 |
Pretax return on assets | 1.7463% | 1,203 |
Return on Equity (ROE) | 15.0272% | 967 |
Retained earnings to average equity (ytd only) | 7.0084% | 2,434 |
Net charge-offs to loans | 0.2360% | 2,751 |
Credit loss provision to net charge-offs | 97.4026% | 2,414 |
Earnings coverage of net charge-offs (x) | 13.4416% | 1,540 |
Efficiency ratio | 53.9203% | 6,362 |
Assets per employee ($millions) | 5.4602% | 1,731 |
Cash dividends to net income (ytd only)* | 53.3618% | 1,368 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1162% | 2,065 |
Loan loss allowance to noncurrent loans | 84.7933% | 3,513 |
Noncurrent assets plus other real estate owned to assets | 1.5247% | 3,570 |
Noncurrent loans to loans | 2.4957% | 2,609 |
Net loans and leases to total assets | 58.2182% | 4,001 |
Net loans and leases to deposits | 66.4413% | 4,308 |
Net loans and leases to core deposits | 68.5877% | 4,612 |
Total domestic deposits to total assets | 87.6235% | 2,574 |
Equity capital to assets | 11.5308% | 2,412 |
Core capital (leverage) ratio | 10.2088% | 3,094 |
Tier 1 risk-based capital ratio | 13.1895% | 5,075 |
Total risk-based capital ratio | 14.4441% | 5,044 |
Memoranda: | ||
Average total assets | $219,892,000 | 2,894 |
Average earning assets | $205,282,500 | 2,830 |
Average equity | $24,941,500 | 2,669 |
Average total loans | $130,515,000 | 2,931 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0366% | 2,731 |
Cost of funding earning assets | 0.8629% | 4,372 |
Net interest margin | 4.1736% | 2,144 |
Noninterest income to average assets | 0.3651% | 4,894 |
Noninterest expense to average assets | 2.3819% | 5,822 |
Loan and lease loss provision to assets | 0.3675% | 2,788 |
Net operating income to assets | 1.4879% | 850 |
Return on assets (ROA) | 1.5210% | 856 |
Pretax return on assets | 1.5551% | 1,327 |
Return on Equity (ROE) | 13.9406% | 942 |
Retained earnings to average equity (ytd only) | 10.7011% | 446 |
Net charge-offs to loans | 0.6139% | 2,610 |
Credit loss provision to net charge-offs | 98.9912% | 3,622 |
Earnings coverage of net charge-offs (x) | 5.0883% | 2,900 |
Efficiency ratio | 55.0258% | 6,419 |
Assets per employee ($millions) | 5.1483% | 2,001 |
Cash dividends to net income (ytd only)* | 23.2379% | 3,407 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0979% | 2,010 |
Loan loss allowance to noncurrent loans | 118.8850% | 2,622 |
Noncurrent assets plus other real estate owned to assets | 1.0873% | 4,444 |
Noncurrent loans to loans | 1.7647% | 3,517 |
Net loans and leases to total assets | 57.9904% | 4,370 |
Net loans and leases to deposits | 66.4637% | 4,673 |
Net loans and leases to core deposits | 69.8694% | 4,791 |
Total domestic deposits to total assets | 87.2512% | 2,610 |
Equity capital to assets | 11.1569% | 2,838 |
Core capital (leverage) ratio | 10.1250% | 3,199 |
Tier 1 risk-based capital ratio | 12.9514% | 5,104 |
Total risk-based capital ratio | 14.2059% | 5,084 |
Memoranda: | ||
Average total assets | $213,614,200 | 2,904 |
Average earning assets | $199,898,200 | 2,856 |
Average equity | $23,306,000 | 2,748 |
Average total loans | $129,182,000 | 2,993 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0955% | 2,628 |
Cost of funding earning assets | 0.8870% | 4,491 |
Net interest margin | 4.2085% | 2,062 |
Noninterest income to average assets | 0.3767% | 4,853 |
Noninterest expense to average assets | 2.3898% | 5,787 |
Loan and lease loss provision to assets | 0.4472% | 2,235 |
Net operating income to assets | 1.4484% | 1,058 |
Return on assets (ROA) | 1.4928% | 1,036 |
Pretax return on assets | 1.5268% | 1,589 |
Return on Equity (ROE) | 13.7641% | 1,090 |
Retained earnings to average equity (ytd only) | 11.8475% | 513 |
Net charge-offs to loans | 0.6289% | 2,363 |
Credit loss provision to net charge-offs | 116.9687% | 2,792 |
Earnings coverage of net charge-offs (x) | 5.0445% | 2,889 |
Efficiency ratio | 54.5945% | 6,431 |
Assets per employee ($millions) | 4.9439% | 2,268 |
Cash dividends to net income (ytd only)* | 13.9241% | 3,162 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3008% | 1,688 |
Loan loss allowance to noncurrent loans | 69.0637% | 4,004 |
Noncurrent assets plus other real estate owned to assets | 1.9931% | 3,149 |
Noncurrent loans to loans | 3.3314% | 2,070 |
Net loans and leases to total assets | 57.1674% | 4,651 |
Net loans and leases to deposits | 65.2845% | 5,015 |
Net loans and leases to core deposits | 68.6985% | 5,095 |
Total domestic deposits to total assets | 87.5666% | 2,313 |
Equity capital to assets | 11.4978% | 2,684 |
Core capital (leverage) ratio | 10.1892% | 3,204 |
Tier 1 risk-based capital ratio | 13.3253% | 4,863 |
Total risk-based capital ratio | 14.5815% | 4,832 |
Memoranda: | ||
Average total assets | $211,673,250 | 2,934 |
Average earning assets | $198,260,750 | 2,884 |
Average equity | $22,957,750 | 2,781 |
Average total loans | $128,695,250 | 3,033 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1623% | 2,409 |
Cost of funding earning assets | 0.9113% | 4,575 |
Net interest margin | 4.2510% | 1,839 |
Noninterest income to average assets | 0.3756% | 4,877 |
Noninterest expense to average assets | 2.3419% | 6,025 |
Loan and lease loss provision to assets | 0.5914% | 1,635 |
Net operating income to assets | 1.3859% | 1,111 |
Return on assets (ROA) | 1.4184% | 1,110 |
Pretax return on assets | 1.4524% | 1,661 |
Return on Equity (ROE) | 13.3466% | 1,125 |
Retained earnings to average equity (ytd only) | 12.0110% | 517 |
Net charge-offs to loans | 0.0476% | 5,179 |
Credit loss provision to net charge-offs | 2,016.1290% | 163 |
Earnings coverage of net charge-offs (x) | 68.5484% | 487 |
Efficiency ratio | 53.0652% | 6,708 |
Assets per employee ($millions) | 5.0518% | 2,056 |
Cash dividends to net income (ytd only)* | 10.0067% | 3,129 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5958% | 1,317 |
Loan loss allowance to noncurrent loans | 71.4925% | 3,877 |
Noncurrent assets plus other real estate owned to assets | 2.2769% | 2,884 |
Noncurrent loans to loans | 3.6309% | 1,938 |
Net loans and leases to total assets | 59.2984% | 4,412 |
Net loans and leases to deposits | 67.4488% | 4,789 |
Net loans and leases to core deposits | 71.4313% | 4,896 |
Total domestic deposits to total assets | 87.9162% | 2,191 |
Equity capital to assets | 11.1596% | 2,804 |
Core capital (leverage) ratio | 9.8240% | 3,486 |
Tier 1 risk-based capital ratio | 12.9461% | 4,958 |
Total risk-based capital ratio | 14.1409% | 4,983 |
Memoranda: | ||
Average total assets | $211,368,330 | 2,960 |
Average earning assets | $197,739,670 | 2,901 |
Average equity | $22,462,670 | 2,820 |
Average total loans | $130,129,330 | 3,035 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0821% | 2,731 |
Cost of funding earning assets | 0.9430% | 4,627 |
Net interest margin | 4.1391% | 2,123 |
Noninterest income to average assets | 0.3944% | 4,746 |
Noninterest expense to average assets | 2.3739% | 5,969 |
Loan and lease loss provision to assets | 0.9480% | 828 |
Net operating income to assets | 0.9095% | 2,514 |
Return on assets (ROA) | 0.9499% | 2,424 |
Pretax return on assets | 0.9841% | 3,182 |
Return on Equity (ROE) | 9.1695% | 2,398 |
Retained earnings to average equity (ytd only) | 9.1695% | 1,328 |
Net charge-offs to loans | -0.0368% | 6,780 |
Credit loss provision to net charge-offs | -4,166.6667% | 6,350 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.9133% | 6,610 |
Assets per employee ($millions) | 5.3231% | 1,746 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4978% | 1,459 |
Loan loss allowance to noncurrent loans | 82.7264% | 3,428 |
Noncurrent assets plus other real estate owned to assets | 1.9674% | 3,358 |
Noncurrent loans to loans | 3.0194% | 2,491 |
Net loans and leases to total assets | 59.9662% | 4,269 |
Net loans and leases to deposits | 67.5736% | 4,736 |
Net loans and leases to core deposits | 71.2473% | 4,895 |
Total domestic deposits to total assets | 88.7420% | 1,930 |
Equity capital to assets | 10.3769% | 3,317 |
Core capital (leverage) ratio | 9.5072% | 3,791 |
Tier 1 risk-based capital ratio | 12.2046% | 5,508 |
Total risk-based capital ratio | 13.4639% | 5,501 |
Memoranda: | ||
Average total assets | $210,964,500 | 2,978 |
Average earning assets | $197,240,500 | 2,920 |
Average equity | $21,855,000 | 2,891 |
Average total loans | $130,609,000 | 3,055 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2954% | 3,150 |
Cost of funding earning assets | 1.1892% | 4,626 |
Net interest margin | 4.1061% | 2,533 |
Noninterest income to average assets | 0.4255% | 4,706 |
Noninterest expense to average assets | 2.4248% | 6,027 |
Loan and lease loss provision to assets | 0.7785% | 2,105 |
Net operating income to assets | 1.0110% | 1,997 |
Return on assets (ROA) | 1.1048% | 1,763 |
Pretax return on assets | 1.1385% | 2,437 |
Return on Equity (ROE) | 10.8885% | 1,620 |
Retained earnings to average equity (ytd only) | 8.4449% | 858 |
Net charge-offs to loans | 1.2535% | 1,793 |
Credit loss provision to net charge-offs | 94.8640% | 4,898 |
Earnings coverage of net charge-offs (x) | 2.2181% | 4,062 |
Efficiency ratio | 56.3252% | 6,558 |
Assets per employee ($millions) | 4.9763% | 2,184 |
Cash dividends to net income (ytd only)* | 22.4417% | 3,360 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1180% | 2,029 |
Loan loss allowance to noncurrent loans | 72.0366% | 3,848 |
Noncurrent assets plus other real estate owned to assets | 2.1114% | 3,200 |
Noncurrent loans to loans | 2.9402% | 2,596 |
Net loans and leases to total assets | 61.0060% | 4,487 |
Net loans and leases to deposits | 68.7904% | 4,986 |
Net loans and leases to core deposits | 72.3068% | 5,180 |
Total domestic deposits to total assets | 88.6839% | 1,836 |
Equity capital to assets | 10.3419% | 3,339 |
Core capital (leverage) ratio | 9.5120% | 3,692 |
Tier 1 risk-based capital ratio | 11.6379% | 5,785 |
Total risk-based capital ratio | 12.8240% | 5,854 |
Memoranda: | ||
Average total assets | $201,664,000 | 3,079 |
Average earning assets | $187,597,600 | 3,039 |
Average equity | $20,462,000 | 3,084 |
Average total loans | $132,035,400 | 3,086 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3679% | 3,040 |
Cost of funding earning assets | 1.2386% | 4,635 |
Net interest margin | 4.1294% | 2,491 |
Noninterest income to average assets | 0.4324% | 4,697 |
Noninterest expense to average assets | 2.4634% | 5,842 |
Loan and lease loss provision to assets | 0.9475% | 1,581 |
Net operating income to assets | 0.8350% | 2,861 |
Return on assets (ROA) | 0.9535% | 2,531 |
Pretax return on assets | 0.9875% | 3,227 |
Return on Equity (ROE) | 9.4444% | 2,337 |
Retained earnings to average equity (ytd only) | 8.4530% | 1,254 |
Net charge-offs to loans | 1.3939% | 1,455 |
Credit loss provision to net charge-offs | 102.5271% | 4,197 |
Earnings coverage of net charge-offs (x) | 1.9617% | 4,242 |
Efficiency ratio | 56.8107% | 6,437 |
Assets per employee ($millions) | 4.8787% | 2,357 |
Cash dividends to net income (ytd only)* | 10.4971% | 3,305 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2419% | 1,714 |
Loan loss allowance to noncurrent loans | 54.8904% | 4,636 |
Noncurrent assets plus other real estate owned to assets | 2.8081% | 2,587 |
Noncurrent loans to loans | 4.0843% | 1,819 |
Net loans and leases to total assets | 62.7617% | 4,372 |
Net loans and leases to deposits | 71.3845% | 4,928 |
Net loans and leases to core deposits | 74.4127% | 5,247 |
Total domestic deposits to total assets | 87.9207% | 2,005 |
Equity capital to assets | 11.1144% | 2,841 |
Core capital (leverage) ratio | 9.5862% | 3,789 |
Tier 1 risk-based capital ratio | 11.7415% | 5,697 |
Total risk-based capital ratio | 12.9982% | 5,659 |
Memoranda: | ||
Average total assets | $199,829,000 | 3,142 |
Average earning assets | $186,013,250 | 3,097 |
Average equity | $20,173,750 | 3,168 |
Average total loans | $132,478,250 | 3,133 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4134% | 2,919 |
Cost of funding earning assets | 1.2829% | 4,629 |
Net interest margin | 4.1305% | 2,429 |
Noninterest income to average assets | 0.4565% | 4,465 |
Noninterest expense to average assets | 2.3698% | 6,150 |
Loan and lease loss provision to assets | 1.2014% | 1,166 |
Net operating income to assets | 0.7055% | 3,382 |
Return on assets (ROA) | 0.9131% | 2,611 |
Pretax return on assets | 0.9471% | 3,322 |
Return on Equity (ROE) | 9.3598% | 2,330 |
Retained earnings to average equity (ytd only) | 9.3598% | 995 |
Net charge-offs to loans | 1.7021% | 1,099 |
Credit loss provision to net charge-offs | 105.3556% | 3,867 |
Earnings coverage of net charge-offs (x) | 1.6945% | 4,242 |
Efficiency ratio | 54.2937% | 6,845 |
Assets per employee ($millions) | 4.9384% | 2,257 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2313% | 1,703 |
Loan loss allowance to noncurrent loans | 59.3788% | 4,380 |
Noncurrent assets plus other real estate owned to assets | 2.5534% | 2,832 |
Noncurrent loans to loans | 3.7577% | 2,070 |
Net loans and leases to total assets | 64.4603% | 4,167 |
Net loans and leases to deposits | 72.5954% | 4,896 |
Net loans and leases to core deposits | 75.6844% | 5,230 |
Total domestic deposits to total assets | 88.7940% | 1,549 |
Equity capital to assets | 10.2173% | 3,745 |
Core capital (leverage) ratio | 9.4029% | 3,956 |
Tier 1 risk-based capital ratio | 11.6310% | 5,644 |
Total risk-based capital ratio | 12.8087% | 5,684 |
Memoranda: | ||
Average total assets | $199,762,670 | 3,167 |
Average earning assets | $185,984,000 | 3,119 |
Average equity | $19,487,670 | 3,244 |
Average total loans | $133,831,000 | 3,130 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5031% | 2,566 |
Cost of funding earning assets | 1.3384% | 4,573 |
Net interest margin | 4.1648% | 2,172 |
Noninterest income to average assets | 0.5217% | 3,882 |
Noninterest expense to average assets | 2.3617% | 6,206 |
Loan and lease loss provision to assets | 1.4935% | 781 |
Net operating income to assets | 0.5175% | 4,304 |
Return on assets (ROA) | 0.6273% | 3,897 |
Pretax return on assets | 0.6611% | 4,373 |
Return on Equity (ROE) | 6.5831% | 3,579 |
Retained earnings to average equity (ytd only) | 6.5831% | 2,326 |
Net charge-offs to loans | 1.0263% | 1,606 |
Credit loss provision to net charge-offs | 215.5172% | 1,735 |
Earnings coverage of net charge-offs (x) | 2.9425% | 3,081 |
Efficiency ratio | 52.8959% | 7,062 |
Assets per employee ($millions) | 4.8817% | 2,388 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4373% | 1,379 |
Loan loss allowance to noncurrent loans | 61.7933% | 4,281 |
Noncurrent assets plus other real estate owned to assets | 2.6995% | 2,697 |
Noncurrent loans to loans | 3.9443% | 2,000 |
Net loans and leases to total assets | 64.9190% | 4,115 |
Net loans and leases to deposits | 72.9983% | 4,906 |
Net loans and leases to core deposits | 76.2389% | 5,226 |
Total domestic deposits to total assets | 88.9322% | 1,552 |
Equity capital to assets | 9.6139% | 4,358 |
Core capital (leverage) ratio | 9.0372% | 4,499 |
Tier 1 risk-based capital ratio | 10.6280% | 6,513 |
Total risk-based capital ratio | 11.8865% | 6,493 |
Memoranda: | ||
Average total assets | $200,875,500 | 3,207 |
Average earning assets | $187,093,500 | 3,161 |
Average equity | $19,140,000 | 3,310 |
Average total loans | $135,627,000 | 3,151 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7600% | 2,820 |
Cost of funding earning assets | 1.8766% | 3,585 |
Net interest margin | 3.8833% | 3,334 |
Noninterest income to average assets | 0.3009% | 5,944 |
Noninterest expense to average assets | 2.3529% | 6,597 |
Loan and lease loss provision to assets | 3.1220% | 539 |
Net operating income to assets | -1.5412% | 6,880 |
Return on assets (ROA) | -1.6118% | 6,917 |
Pretax return on assets | -1.6118% | 6,766 |
Return on Equity (ROE) | -17.5679% | 7,060 |
Retained earnings to average equity (ytd only) | -20.2967% | 7,118 |
Net charge-offs to loans | 4.2411% | 363 |
Credit loss provision to net charge-offs | 104.7547% | 5,280 |
Earnings coverage of net charge-offs (x) | 0.5304% | 5,582 |
Efficiency ratio | 58.9486% | 6,624 |
Assets per employee ($millions) | 4.6884% | 2,631 |
Cash dividends to net income (ytd only)* | -15.5328% | 7,658 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0605% | 1,888 |
Loan loss allowance to noncurrent loans | 55.7297% | 4,650 |
Noncurrent assets plus other real estate owned to assets | 2.6136% | 2,687 |
Noncurrent loans to loans | 3.6973% | 2,038 |
Net loans and leases to total assets | 67.0769% | 3,906 |
Net loans and leases to deposits | 75.9338% | 4,751 |
Net loans and leases to core deposits | 91.5472% | 4,944 |
Total domestic deposits to total assets | 88.3360% | 1,799 |
Equity capital to assets | 9.4433% | 4,496 |
Core capital (leverage) ratio | 8.8572% | 4,669 |
Tier 1 risk-based capital ratio | 10.0916% | 6,795 |
Total risk-based capital ratio | 11.2322% | 6,859 |
Memoranda: | ||
Average total assets | $199,714,000 | 3,185 |
Average earning assets | $186,823,800 | 3,128 |
Average equity | $18,323,200 | 3,459 |
Average total loans | $140,342,000 | 3,077 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8326% | 2,738 |
Cost of funding earning assets | 1.9701% | 3,516 |
Net interest margin | 3.8625% | 3,380 |
Noninterest income to average assets | 0.3092% | 6,013 |
Noninterest expense to average assets | 2.4151% | 6,367 |
Loan and lease loss provision to assets | 3.6973% | 349 |
Net operating income to assets | -2.1795% | 7,375 |
Return on assets (ROA) | -2.2906% | 7,398 |
Pretax return on assets | -2.2906% | 7,281 |
Return on Equity (ROE) | -25.1530% | 7,508 |
Retained earnings to average equity (ytd only) | -28.8271% | 7,569 |
Net charge-offs to loans | 4.5731% | 273 |
Credit loss provision to net charge-offs | 114.3182% | 4,439 |
Earnings coverage of net charge-offs (x) | 0.4693% | 5,563 |
Efficiency ratio | 60.5411% | 6,342 |
Assets per employee ($millions) | 4.8135% | 2,381 |
Cash dividends to net income (ytd only)* | -14.6071% | 7,803 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4000% | 1,166 |
Loan loss allowance to noncurrent loans | 87.6819% | 3,138 |
Noncurrent assets plus other real estate owned to assets | 1.8799% | 3,539 |
Noncurrent loans to loans | 2.7371% | 2,770 |
Net loans and leases to total assets | 67.0327% | 4,177 |
Net loans and leases to deposits | 75.5090% | 5,124 |
Net loans and leases to core deposits | 92.7167% | 5,161 |
Total domestic deposits to total assets | 88.7744% | 1,302 |
Equity capital to assets | 9.6963% | 4,501 |
Core capital (leverage) ratio | 8.8016% | 4,971 |
Tier 1 risk-based capital ratio | 9.9220% | 7,040 |
Total risk-based capital ratio | 11.1794% | 6,995 |
Memoranda: | ||
Average total assets | $199,241,750 | 3,212 |
Average earning assets | $186,921,250 | 3,150 |
Average equity | $18,144,500 | 3,509 |
Average total loans | $140,909,000 | 3,098 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8493% | 2,807 |
Cost of funding earning assets | 2.0341% | 3,601 |
Net interest margin | 3.8152% | 3,485 |
Noninterest income to average assets | 0.3152% | 5,988 |
Noninterest expense to average assets | 2.4966% | 6,138 |
Loan and lease loss provision to assets | 4.2477% | 277 |
Net operating income to assets | -2.8518% | 7,642 |
Return on assets (ROA) | -2.8218% | 7,631 |
Pretax return on assets | -2.8218% | 7,513 |
Return on Equity (ROE) | -31.6605% | 7,739 |
Retained earnings to average equity (ytd only) | -35.5900% | 7,779 |
Net charge-offs to loans | 5.2503% | 235 |
Credit loss provision to net charge-offs | 113.3209% | 4,090 |
Earnings coverage of net charge-offs (x) | 0.3724% | 5,311 |
Efficiency ratio | 63.2648% | 6,046 |
Assets per employee ($millions) | 4.5914% | 2,623 |
Cash dividends to net income (ytd only)* | -12.4113% | 7,887 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1006% | 1,393 |
Loan loss allowance to noncurrent loans | 53.5996% | 4,801 |
Noncurrent assets plus other real estate owned to assets | 2.8259% | 2,271 |
Noncurrent loans to loans | 3.9190% | 1,737 |
Net loans and leases to total assets | 70.5934% | 3,549 |
Net loans and leases to deposits | 81.3015% | 4,337 |
Net loans and leases to core deposits | 100.2940% | 4,478 |
Total domestic deposits to total assets | 86.8292% | 2,343 |
Equity capital to assets | 9.1589% | 5,080 |
Core capital (leverage) ratio | 9.2218% | 4,276 |
Tier 1 risk-based capital ratio | 9.8461% | 7,087 |
Total risk-based capital ratio | 11.1013% | 7,015 |
Memoranda: | ||
Average total assets | $199,871,330 | 3,230 |
Average earning assets | $187,406,330 | 3,175 |
Average equity | $17,814,000 | 3,575 |
Average total loans | $142,697,330 | 3,101 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9594% | 2,529 |
Cost of funding earning assets | 2.1168% | 3,575 |
Net interest margin | 3.8425% | 3,287 |
Noninterest income to average assets | 0.3139% | 5,936 |
Noninterest expense to average assets | 2.3059% | 6,520 |
Loan and lease loss provision to assets | 6.7305% | 100 |
Net operating income to assets | -5.1550% | 8,045 |
Return on assets (ROA) | -5.1450% | 8,037 |
Pretax return on assets | -5.1148% | 7,994 |
Return on Equity (ROE) | -58.5478% | 8,082 |
Retained earnings to average equity (ytd only) | -66.5617% | 8,089 |
Net charge-offs to loans | 8.6539% | 81 |
Credit loss provision to net charge-offs | 109.4926% | 3,516 |
Earnings coverage of net charge-offs (x) | 0.2612% | 4,763 |
Efficiency ratio | 58.0761% | 6,692 |
Assets per employee ($millions) | 4.5618% | 2,626 |
Cash dividends to net income (ytd only)* | -13.6879% | 8,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0329% | 1,352 |
Loan loss allowance to noncurrent loans | 92.9573% | 3,242 |
Noncurrent assets plus other real estate owned to assets | 1.5636% | 3,587 |
Noncurrent loans to loans | 2.1869% | 2,998 |
Net loans and leases to total assets | 70.0417% | 3,658 |
Net loans and leases to deposits | 78.5078% | 4,850 |
Net loans and leases to core deposits | 99.1563% | 4,624 |
Total domestic deposits to total assets | 89.2162% | 1,135 |
Equity capital to assets | 8.8470% | 5,555 |
Core capital (leverage) ratio | 8.9418% | 4,807 |
Tier 1 risk-based capital ratio | 9.9645% | 6,967 |
Total risk-based capital ratio | 11.2005% | 6,887 |
Memoranda: | ||
Average total assets | $198,795,500 | 3,258 |
Average earning assets | $186,126,500 | 3,209 |
Average equity | $17,469,500 | 3,646 |
Average total loans | $141,208,500 | 3,151 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4925% | 2,993 |
Cost of funding earning assets | 2.6564% | 3,390 |
Net interest margin | 3.8361% | 3,861 |
Noninterest income to average assets | 0.3825% | 5,615 |
Noninterest expense to average assets | 2.3479% | 6,572 |
Loan and lease loss provision to assets | 0.3683% | 3,470 |
Net operating income to assets | 1.1784% | 1,845 |
Return on assets (ROA) | 1.1267% | 1,962 |
Pretax return on assets | 1.1577% | 2,816 |
Return on Equity (ROE) | 12.6092% | 1,423 |
Retained earnings to average equity (ytd only) | 3.3996% | 3,031 |
Net charge-offs to loans | 0.1771% | 4,435 |
Credit loss provision to net charge-offs | 299.5868% | 1,512 |
Earnings coverage of net charge-offs (x) | 12.8471% | 2,197 |
Efficiency ratio | 58.9057% | 6,543 |
Assets per employee ($millions) | 4.6845% | 2,355 |
Cash dividends to net income (ytd only)* | 73.0388% | 2,031 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8013% | 1,629 |
Loan loss allowance to noncurrent loans | 33.3985% | 6,496 |
Noncurrent assets plus other real estate owned to assets | 3.8067% | 1,119 |
Noncurrent loans to loans | 5.3934% | 774 |
Net loans and leases to total assets | 69.3097% | 4,191 |
Net loans and leases to deposits | 78.9734% | 5,200 |
Net loans and leases to core deposits | 98.8523% | 4,941 |
Total domestic deposits to total assets | 87.7633% | 1,572 |
Equity capital to assets | 8.7299% | 5,761 |
Core capital (leverage) ratio | 8.8677% | 4,943 |
Tier 1 risk-based capital ratio | 9.5636% | 7,239 |
Total risk-based capital ratio | 10.8156% | 7,143 |
Memoranda: | ||
Average total assets | $196,860,600 | 3,180 |
Average earning assets | $181,902,400 | 3,162 |
Average equity | $17,590,400 | 3,628 |
Average total loans | $136,669,200 | 3,148 |