2023-12-31 | Rank |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.1301% | 1,793 |
Cost of funding earning assets | 1.2063% | 2,782 |
Net interest margin | 3.9238% | 1,327 |
Noninterest income to average assets | 0.3800% | 2,615 |
Noninterest expense to average assets | 3.1529% | 874 |
Loan and lease loss provision to assets | 0.0400% | 2,313 |
Net operating income to assets | 0.6281% | 3,368 |
Return on assets (ROA) | 0.6281% | 3,347 |
Pretax return on assets | 0.8583% | 3,073 |
Return on Equity (ROE) | 7.6200% | 3,120 |
Retained earnings to average equity (ytd only) | 2.5455% | 3,428 |
Net charge-offs to loans | 0.0078% | 2,383 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 152.6429% | 701 |
Efficiency ratio | 77.9110% | 1,077 |
Assets per employee ($millions) | 6.0213% | 2,803 |
Cash dividends to net income (ytd only)* | 66.6001% | 946 |
Condition Ratios (%) |
Loss allowance to loans | 1.8958% | 454 |
Loan loss allowance to noncurrent loans | 3,255.1570% | 343 |
Noncurrent assets plus other real estate owned to assets | 0.0446% | 3,298 |
Noncurrent loans to loans | 0.0582% | 3,303 |
Net loans and leases to total assets | 75.1600% | 1,217 |
Net loans and leases to deposits | 88.7756% | 1,366 |
Net loans and leases to core deposits | 101.0779% | 1,373 |
Total domestic deposits to total assets | 84.6700% | 2,415 |
Equity capital to assets | 8.1488% | 3,313 |
Core capital (leverage) ratio | 10.4526% | 2,383 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0554% | 1,850 |
Memoranda: |
Average total assets | $478,130,200 | 1,777 |
Average earning assets | $446,740,000 | 1,759 |
Average equity | $39,403,200 | 1,905 |
Average total loans | $360,331,200 | 1,577 |
2023-09-30 | Rank |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.1158% | 1,602 |
Cost of funding earning assets | 1.0842% | 2,788 |
Net interest margin | 4.0316% | 1,175 |
Noninterest income to average assets | 0.3700% | 2,673 |
Noninterest expense to average assets | 3.1178% | 906 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.7658% | 3,118 |
Return on assets (ROA) | 0.7658% | 3,116 |
Pretax return on assets | 1.0171% | 2,808 |
Return on Equity (ROE) | 9.2600% | 2,861 |
Retained earnings to average equity (ytd only) | 2.4398% | 3,644 |
Net charge-offs to loans | 0.0117% | 1,970 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 116.3226% | 856 |
Efficiency ratio | 75.4025% | 1,233 |
Assets per employee ($millions) | 5.6913% | 3,028 |
Cash dividends to net income (ytd only)* | 73.6648% | 576 |
Condition Ratios (%) |
Loss allowance to loans | 1.9765% | 405 |
Loan loss allowance to noncurrent loans | 4,578.6667% | 258 |
Noncurrent assets plus other real estate owned to assets | 0.0325% | 3,472 |
Noncurrent loans to loans | 0.0432% | 3,452 |
Net loans and leases to total assets | 73.8900% | 1,350 |
Net loans and leases to deposits | 81.9288% | 1,904 |
Net loans and leases to core deposits | 92.1709% | 1,784 |
Total domestic deposits to total assets | 90.1800% | 896 |
Equity capital to assets | 8.3624% | 2,820 |
Core capital (leverage) ratio | 10.7393% | 2,194 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.4557% | 1,436 |
Memoranda: |
Average total assets | $472,720,500 | 1,789 |
Average earning assets | $441,339,000 | 1,772 |
Average equity | $39,072,750 | 1,903 |
Average total loans | $354,689,750 | 1,595 |
2023-06-30 | Rank |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.0559% | 1,449 |
Cost of funding earning assets | 1.0080% | 2,582 |
Net interest margin | 4.0479% | 1,155 |
Noninterest income to average assets | 0.3500% | 2,761 |
Noninterest expense to average assets | 3.1207% | 881 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 0.7666% | 3,172 |
Return on assets (ROA) | 0.7666% | 3,189 |
Pretax return on assets | 1.0125% | 2,877 |
Return on Equity (ROE) | 9.3100% | 2,887 |
Retained earnings to average equity (ytd only) | -0.8816% | 4,202 |
Net charge-offs to loans | 0.0185% | 1,535 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 73.1212% | 1,096 |
Efficiency ratio | 75.5025% | 1,218 |
Assets per employee ($millions) | 5.6939% | 2,982 |
Cash dividends to net income (ytd only)* | 109.4691% | 242 |
Condition Ratios (%) |
Loss allowance to loans | 2.0297% | 397 |
Loan loss allowance to noncurrent loans | 4,659.2105% | 273 |
Noncurrent assets plus other real estate owned to assets | 0.0326% | 3,456 |
Noncurrent loans to loans | 0.0436% | 3,412 |
Net loans and leases to total assets | 73.2200% | 1,380 |
Net loans and leases to deposits | 80.5151% | 1,935 |
Net loans and leases to core deposits | 89.9654% | 1,801 |
Total domestic deposits to total assets | 90.9300% | 674 |
Equity capital to assets | 8.3280% | 3,002 |
Core capital (leverage) ratio | 10.3390% | 2,440 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.4445% | 1,442 |
Memoranda: |
Average total assets | $476,629,667 | 1,781 |
Average earning assets | $445,024,667 | 1,771 |
Average equity | $39,247,000 | 1,904 |
Average total loans | $357,093,333 | 1,570 |
2023-03-31 | Rank |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.9619% | 1,300 |
Cost of funding earning assets | 1.0121% | 2,006 |
Net interest margin | 3.9498% | 1,369 |
Noninterest income to average assets | 0.3200% | 2,923 |
Noninterest expense to average assets | 2.9417% | 1,158 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 0.8025% | 3,186 |
Return on assets (ROA) | 0.8025% | 3,137 |
Pretax return on assets | 1.0667% | 2,807 |
Return on Equity (ROE) | 9.8000% | 2,849 |
Retained earnings to average equity (ytd only) | -10.4897% | 4,486 |
Net charge-offs to loans | -0.0144% | 3,979 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 73.3886% | 1,401 |
Assets per employee ($millions) | 5.9770% | 2,780 |
Cash dividends to net income (ytd only)* | 207.0393% | 134 |
Condition Ratios (%) |
Loss allowance to loans | 1.9381% | 493 |
Loan loss allowance to noncurrent loans | 19,719.4444% | 101 |
Noncurrent assets plus other real estate owned to assets | 0.0074% | 3,803 |
Noncurrent loans to loans | 0.0098% | 3,756 |
Net loans and leases to total assets | 74.1900% | 1,180 |
Net loans and leases to deposits | 83.1914% | 1,557 |
Net loans and leases to core deposits | 92.2871% | 1,490 |
Total domestic deposits to total assets | 89.1800% | 1,475 |
Equity capital to assets | 7.9377% | 3,280 |
Core capital (leverage) ratio | 9.9455% | 2,745 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1337% | 1,932 |
Memoranda: |
Average total assets | $481,496,500 | 1,790 |
Average earning assets | $449,343,000 | 1,776 |
Average equity | $39,429,000 | 1,922 |
Average total loans | $361,179,500 | 1,579 |
2022-12-31 | Rank |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.1221% | 1,427 |
Cost of funding earning assets | 0.3033% | 2,847 |
Net interest margin | 3.8189% | 1,122 |
Noninterest income to average assets | 0.3900% | 2,745 |
Noninterest expense to average assets | 2.9359% | 1,072 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.7850% | 3,379 |
Return on assets (ROA) | 0.7855% | 3,312 |
Pretax return on assets | 1.0360% | 2,959 |
Return on Equity (ROE) | 8.9600% | 3,141 |
Retained earnings to average equity (ytd only) | 5.3273% | 2,908 |
Net charge-offs to loans | -0.0792% | 4,470 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 73.9274% | 1,223 |
Assets per employee ($millions) | 5.9118% | 2,838 |
Cash dividends to net income (ytd only)* | 40.5186% | 1,881 |
Condition Ratios (%) |
Loss allowance to loans | 1.9608% | 467 |
Loan loss allowance to noncurrent loans | 8,727.5000% | 195 |
Noncurrent assets plus other real estate owned to assets | 0.0167% | 3,682 |
Noncurrent loans to loans | 0.0225% | 3,639 |
Net loans and leases to total assets | 72.9000% | 1,322 |
Net loans and leases to deposits | 88.1947% | 1,161 |
Net loans and leases to core deposits | 91.1396% | 1,446 |
Total domestic deposits to total assets | 82.6600% | 3,500 |
Equity capital to assets | 8.4428% | 2,744 |
Core capital (leverage) ratio | 10.6421% | 2,073 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.8058% | 1,690 |
Memoranda: |
Average total assets | $471,309,600 | 1,796 |
Average earning assets | $441,520,000 | 1,783 |
Average equity | $41,334,600 | 1,877 |
Average total loans | $335,689,400 | 1,586 |
2022-09-30 | Rank |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 3.9544% | 1,353 |
Cost of funding earning assets | 0.1819% | 3,500 |
Net interest margin | 3.7725% | 993 |
Noninterest income to average assets | 0.4100% | 2,683 |
Noninterest expense to average assets | 2.8502% | 1,142 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.8219% | 3,165 |
Return on assets (ROA) | 0.8226% | 3,126 |
Pretax return on assets | 1.1026% | 2,712 |
Return on Equity (ROE) | 9.2900% | 2,936 |
Retained earnings to average equity (ytd only) | 4.4784% | 3,295 |
Net charge-offs to loans | -0.1065% | 4,506 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 72.1216% | 1,500 |
Assets per employee ($millions) | 5.9237% | 2,828 |
Cash dividends to net income (ytd only)* | 51.7956% | 1,120 |
Condition Ratios (%) |
Loss allowance to loans | 2.0409% | 471 |
Loan loss allowance to noncurrent loans | 268.6033% | 2,311 |
Noncurrent assets plus other real estate owned to assets | 0.5625% | 948 |
Noncurrent loans to loans | 0.7598% | 1,067 |
Net loans and leases to total assets | 72.5200% | 1,229 |
Net loans and leases to deposits | 83.9167% | 1,305 |
Net loans and leases to core deposits | 85.8152% | 1,533 |
Total domestic deposits to total assets | 86.4200% | 2,955 |
Equity capital to assets | 8.4398% | 2,588 |
Core capital (leverage) ratio | 10.5438% | 2,078 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.2888% | 1,626 |
Memoranda: |
Average total assets | $469,422,500 | 1,815 |
Average earning assets | $440,583,750 | 1,795 |
Average equity | $41,561,000 | 1,897 |
Average total loans | $330,592,750 | 1,598 |
2022-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 3.7861% | 1,350 |
Cost of funding earning assets | 0.1597% | 3,448 |
Net interest margin | 3.6264% | 1,031 |
Noninterest income to average assets | 0.4243% | 2,602 |
Noninterest expense to average assets | 2.8325% | 1,110 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.7301% | 3,208 |
Return on assets (ROA) | 0.7311% | 3,159 |
Pretax return on assets | 0.9998% | 2,735 |
Return on Equity (ROE) | 8.1337% | 2,983 |
Retained earnings to average equity (ytd only) | 1.0609% | 3,983 |
Net charge-offs to loans | -0.1096% | 4,471 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.9352% | 1,515 |
Assets per employee ($millions) | 4.8838% | 3,785 |
Cash dividends to net income (ytd only)* | 86.9565% | 508 |
Condition Ratios (%) |
Loss allowance to loans | 2.1067% | 446 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 70.5501% | 1,248 |
Net loans and leases to deposits | 77.5223% | 1,573 |
Net loans and leases to core deposits | 79.5725% | 1,743 |
Total domestic deposits to total assets | 91.0061% | 1,244 |
Equity capital to assets | 8.4481% | 2,802 |
Core capital (leverage) ratio | 10.1890% | 2,193 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.1603% | 1,668 |
Memoranda: |
Average total assets | $471,879,667 | 1,814 |
Average earning assets | $443,308,333 | 1,806 |
Average equity | $42,416,000 | 1,917 |
Average total loans | $326,769,667 | 1,608 |
2022-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 3.5928% | 1,522 |
Cost of funding earning assets | 0.1601% | 3,371 |
Net interest margin | 3.4328% | 1,227 |
Noninterest income to average assets | 0.4485% | 2,400 |
Noninterest expense to average assets | 2.7459% | 1,263 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.6953% | 3,075 |
Return on assets (ROA) | 0.6973% | 3,057 |
Pretax return on assets | 0.9353% | 2,650 |
Return on Equity (ROE) | 7.5430% | 2,858 |
Retained earnings to average equity (ytd only) | -5.9588% | 4,453 |
Net charge-offs to loans | -0.2132% | 4,614 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.6437% | 1,665 |
Assets per employee ($millions) | 6.0101% | 2,801 |
Cash dividends to net income (ytd only)* | 178.9976% | 249 |
Condition Ratios (%) |
Loss allowance to loans | 2.1361% | 497 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 66.4932% | 1,366 |
Net loans and leases to deposits | 74.2957% | 1,577 |
Net loans and leases to core deposits | 75.6840% | 1,800 |
Total domestic deposits to total assets | 89.4981% | 1,813 |
Equity capital to assets | 8.9337% | 2,770 |
Core capital (leverage) ratio | 9.4980% | 2,793 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.8366% | 1,859 |
Memoranda: |
Average total assets | $480,720,500 | 1,794 |
Average earning assets | $452,347,000 | 1,778 |
Average equity | $44,438,500 | 1,907 |
Average total loans | $326,488,000 | 1,597 |
2021-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 3.8744% | 1,688 |
Cost of funding earning assets | 0.1949% | 3,524 |
Net interest margin | 3.6795% | 1,266 |
Noninterest income to average assets | 0.3834% | 3,149 |
Noninterest expense to average assets | 2.8575% | 1,237 |
Loan and lease loss provision to assets | -0.0645% | 4,419 |
Net operating income to assets | 0.7407% | 3,516 |
Return on assets (ROA) | 0.7407% | 3,577 |
Pretax return on assets | 1.0474% | 3,131 |
Return on Equity (ROE) | 7.5214% | 3,367 |
Retained earnings to average equity (ytd only) | 4.2484% | 3,111 |
Net charge-offs to loans | -0.0626% | 4,425 |
Credit loss provision to net charge-offs | 147.7833% | 1,500 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.4055% | 1,261 |
Assets per employee ($millions) | 6.0079% | 2,768 |
Cash dividends to net income (ytd only)* | 43.5161% | 1,845 |
Condition Ratios (%) |
Loss allowance to loans | 2.0331% | 575 |
Loan loss allowance to noncurrent loans | 8,191.4634% | 179 |
Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,973 |
Noncurrent loans to loans | 0.0248% | 3,891 |
Net loans and leases to total assets | 66.5086% | 1,420 |
Net loans and leases to deposits | 74.8052% | 1,664 |
Net loans and leases to core deposits | 76.5153% | 1,877 |
Total domestic deposits to total assets | 88.9091% | 1,562 |
Equity capital to assets | 9.5471% | 3,104 |
Core capital (leverage) ratio | 9.8949% | 2,470 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9424% | 1,867 |
Memoranda: |
Average total assets | $465,343,800 | 1,793 |
Average earning assets | $437,207,800 | 1,780 |
Average equity | $45,829,000 | 1,900 |
Average total loans | $324,410,400 | 1,610 |
2021-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 3.9420% | 1,661 |
Cost of funding earning assets | 0.2036% | 3,572 |
Net interest margin | 3.7385% | 1,253 |
Noninterest income to average assets | 0.3884% | 3,159 |
Noninterest expense to average assets | 2.7523% | 1,457 |
Loan and lease loss provision to assets | 0.1159% | 1,036 |
Net operating income to assets | 0.7063% | 3,750 |
Return on assets (ROA) | 0.7063% | 3,820 |
Pretax return on assets | 1.0280% | 3,378 |
Return on Equity (ROE) | 7.1144% | 3,640 |
Retained earnings to average equity (ytd only) | 2.7354% | 3,989 |
Net charge-offs to loans | -0.0900% | 4,574 |
Credit loss provision to net charge-offs | -183.4862% | 3,364 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.6390% | 1,532 |
Assets per employee ($millions) | 5.7744% | 2,921 |
Cash dividends to net income (ytd only)* | 61.5511% | 809 |
Condition Ratios (%) |
Loss allowance to loans | 2.3020% | 388 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
Noncurrent loans to loans | 0.0000% | 4,237 |
Net loans and leases to total assets | 68.2790% | 1,290 |
Net loans and leases to deposits | 77.3123% | 1,545 |
Net loans and leases to core deposits | 79.2017% | 1,801 |
Total domestic deposits to total assets | 88.3159% | 1,658 |
Equity capital to assets | 9.9924% | 2,908 |
Core capital (leverage) ratio | 9.8982% | 2,620 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.1665% | 1,910 |
Memoranda: |
Average total assets | $460,019,250 | 1,828 |
Average earning assets | $431,645,250 | 1,819 |
Average equity | $45,671,250 | 1,924 |
Average total loans | $322,919,000 | 1,644 |
2021-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.0174% | 1,530 |
Cost of funding earning assets | 0.2154% | 3,597 |
Net interest margin | 3.8020% | 1,136 |
Noninterest income to average assets | 0.4045% | 3,093 |
Noninterest expense to average assets | 2.7607% | 1,441 |
Loan and lease loss provision to assets | 0.1741% | 663 |
Net operating income to assets | 0.7110% | 3,734 |
Return on assets (ROA) | 0.7110% | 3,801 |
Pretax return on assets | 1.0349% | 3,363 |
Return on Equity (ROE) | 7.1767% | 3,610 |
Retained earnings to average equity (ytd only) | 0.5845% | 4,414 |
Net charge-offs to loans | -0.1016% | 4,631 |
Credit loss provision to net charge-offs | -243.9024% | 3,260 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.5438% | 1,698 |
Assets per employee ($millions) | 5.6865% | 2,916 |
Cash dividends to net income (ytd only)* | 91.8555% | 350 |
Condition Ratios (%) |
Loss allowance to loans | 2.3539% | 332 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 67.2787% | 1,543 |
Net loans and leases to deposits | 76.1012% | 1,811 |
Net loans and leases to core deposits | 78.0347% | 2,043 |
Total domestic deposits to total assets | 88.4069% | 1,616 |
Equity capital to assets | 9.9464% | 2,898 |
Core capital (leverage) ratio | 9.9400% | 2,455 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3734% | 1,844 |
Memoranda: |
Average total assets | $459,374,667 | 1,821 |
Average earning assets | $430,773,667 | 1,815 |
Average equity | $45,508,333 | 1,911 |
Average total loans | $322,942,333 | 1,649 |
2021-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.1536% | 1,280 |
Cost of funding earning assets | 0.2328% | 3,623 |
Net interest margin | 3.9208% | 951 |
Noninterest income to average assets | 0.3596% | 3,291 |
Noninterest expense to average assets | 2.7062% | 1,607 |
Loan and lease loss provision to assets | 0.2600% | 391 |
Net operating income to assets | 0.7201% | 3,662 |
Return on assets (ROA) | 0.7201% | 3,730 |
Pretax return on assets | 1.0719% | 3,189 |
Return on Equity (ROE) | 7.2833% | 3,529 |
Retained earnings to average equity (ytd only) | 7.2833% | 2,483 |
Net charge-offs to loans | -0.0684% | 4,509 |
Credit loss provision to net charge-offs | -535.7143% | 3,192 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.0172% | 2,080 |
Assets per employee ($millions) | 5.4637% | 3,150 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) |
Loss allowance to loans | 2.2023% | 422 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
Noncurrent loans to loans | 0.0000% | 4,341 |
Net loans and leases to total assets | 70.2101% | 1,259 |
Net loans and leases to deposits | 79.6374% | 1,554 |
Net loans and leases to core deposits | 81.4318% | 1,882 |
Total domestic deposits to total assets | 88.1622% | 1,760 |
Equity capital to assets | 10.1330% | 2,575 |
Core capital (leverage) ratio | 9.7797% | 2,736 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.7045% | 1,671 |
Memoranda: |
Average total assets | $461,603,000 | 1,802 |
Average earning assets | $433,075,000 | 1,797 |
Average equity | $45,638,500 | 1,897 |
Average total loans | $327,693,000 | 1,638 |
2020-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.6581% | 972 |
Cost of funding earning assets | 0.4665% | 3,178 |
Net interest margin | 4.1916% | 644 |
Noninterest income to average assets | 0.4009% | 3,083 |
Noninterest expense to average assets | 2.9699% | 1,503 |
Loan and lease loss provision to assets | 0.6751% | 252 |
Net operating income to assets | 0.4531% | 4,132 |
Return on assets (ROA) | 0.5170% | 4,078 |
Pretax return on assets | 0.7466% | 3,774 |
Return on Equity (ROE) | 5.2909% | 3,820 |
Retained earnings to average equity (ytd only) | 1.9782% | 3,830 |
Net charge-offs to loans | 0.3111% | 568 |
Credit loss provision to net charge-offs | 277.5665% | 1,811 |
Earnings coverage of net charge-offs (x) | 5.5124% | 2,857 |
Efficiency ratio | 68.8962% | 2,111 |
Assets per employee ($millions) | 5.5919% | 2,751 |
Cash dividends to net income (ytd only)* | 62.6118% | 1,241 |
Condition Ratios (%) |
Loss allowance to loans | 2.0660% | 519 |
Loan loss allowance to noncurrent loans | 9,875.3623% | 114 |
Noncurrent assets plus other real estate owned to assets | 0.0245% | 4,265 |
Noncurrent loans to loans | 0.0209% | 4,252 |
Net loans and leases to total assets | 68.7663% | 1,725 |
Net loans and leases to deposits | 77.4603% | 2,128 |
Net loans and leases to core deposits | 79.7367% | 2,392 |
Total domestic deposits to total assets | 88.7762% | 1,084 |
Equity capital to assets | 9.6494% | 3,458 |
Core capital (leverage) ratio | 10.2264% | 2,390 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9249% | 1,883 |
Memoranda: |
Average total assets | $432,507,000 | 1,756 |
Average earning assets | $403,430,600 | 1,759 |
Average equity | $42,261,000 | 1,935 |
Average total loans | $338,178,600 | 1,545 |
2020-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.8437% | 817 |
Cost of funding earning assets | 0.5245% | 3,084 |
Net interest margin | 4.3192% | 561 |
Noninterest income to average assets | 0.3718% | 3,226 |
Noninterest expense to average assets | 2.9596% | 1,534 |
Loan and lease loss provision to assets | 0.7309% | 275 |
Net operating income to assets | 0.4995% | 4,039 |
Return on assets (ROA) | 0.5866% | 3,912 |
Pretax return on assets | 0.8128% | 3,613 |
Return on Equity (ROE) | 5.9829% | 3,560 |
Retained earnings to average equity (ytd only) | 1.4845% | 4,089 |
Net charge-offs to loans | 0.4389% | 361 |
Credit loss provision to net charge-offs | 207.1429% | 2,087 |
Earnings coverage of net charge-offs (x) | 4.0625% | 2,856 |
Efficiency ratio | 67.3695% | 2,273 |
Assets per employee ($millions) | 5.2138% | 3,001 |
Cash dividends to net income (ytd only)* | 75.1880% | 693 |
Condition Ratios (%) |
Loss allowance to loans | 1.7739% | 767 |
Loan loss allowance to noncurrent loans | 1,272.6708% | 486 |
Noncurrent assets plus other real estate owned to assets | 0.1090% | 3,888 |
Noncurrent loans to loans | 0.1394% | 3,825 |
Net loans and leases to total assets | 76.8047% | 985 |
Net loans and leases to deposits | 87.1165% | 1,581 |
Net loans and leases to core deposits | 90.4763% | 1,932 |
Total domestic deposits to total assets | 88.1632% | 1,141 |
Equity capital to assets | 9.4594% | 3,716 |
Core capital (leverage) ratio | 9.4088% | 3,354 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.1247% | 2,145 |
Memoranda: |
Average total assets | $423,204,500 | 1,762 |
Average earning assets | $394,011,000 | 1,765 |
Average equity | $41,495,000 | 1,950 |
Average total loans | $340,268,000 | 1,528 |
2020-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.7388% | 1,309 |
Cost of funding earning assets | 0.6018% | 2,955 |
Net interest margin | 4.1370% | 1,046 |
Noninterest income to average assets | 0.3649% | 3,296 |
Noninterest expense to average assets | 3.0474% | 1,471 |
Loan and lease loss provision to assets | 0.5282% | 649 |
Net operating income to assets | 0.4573% | 4,118 |
Return on assets (ROA) | 0.5901% | 3,855 |
Pretax return on assets | 0.8023% | 3,578 |
Return on Equity (ROE) | 5.9440% | 3,526 |
Retained earnings to average equity (ytd only) | 3.5258% | 3,165 |
Net charge-offs to loans | -0.0006% | 3,730 |
Credit loss provision to net charge-offs | -110,000.0000% | 4,350 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.3882% | 1,634 |
Assets per employee ($millions) | 5.1328% | 3,022 |
Cash dividends to net income (ytd only)* | 40.6835% | 1,919 |
Condition Ratios (%) |
Loss allowance to loans | 1.6989% | 815 |
Loan loss allowance to noncurrent loans | 355.7647% | 1,349 |
Noncurrent assets plus other real estate owned to assets | 0.3851% | 2,756 |
Noncurrent loans to loans | 0.4775% | 2,717 |
Net loans and leases to total assets | 79.2785% | 687 |
Net loans and leases to deposits | 90.4536% | 1,314 |
Net loans and leases to core deposits | 93.9865% | 1,739 |
Total domestic deposits to total assets | 87.6455% | 1,353 |
Equity capital to assets | 9.5640% | 3,600 |
Core capital (leverage) ratio | 9.6393% | 3,202 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9149% | 2,217 |
Memoranda: |
Average total assets | $416,547,333 | 1,761 |
Average earning assets | $387,142,000 | 1,762 |
Average equity | $41,352,667 | 1,944 |
Average total loans | $338,181,667 | 1,516 |
2020-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.9606% | 1,044 |
Cost of funding earning assets | 0.7302% | 2,780 |
Net interest margin | 4.2305% | 865 |
Noninterest income to average assets | 0.4108% | 3,026 |
Noninterest expense to average assets | 3.2506% | 1,314 |
Loan and lease loss provision to assets | 0.1980% | 1,532 |
Net operating income to assets | 0.6662% | 3,384 |
Return on assets (ROA) | 0.6662% | 3,453 |
Pretax return on assets | 0.8849% | 3,175 |
Return on Equity (ROE) | 6.5787% | 3,105 |
Retained earnings to average equity (ytd only) | 1.6911% | 3,553 |
Net charge-offs to loans | -0.0061% | 3,915 |
Credit loss provision to net charge-offs | -4,000.0000% | 3,833 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.0114% | 1,684 |
Assets per employee ($millions) | 4.8046% | 2,870 |
Cash dividends to net income (ytd only)* | 74.2942% | 1,119 |
Condition Ratios (%) |
Loss allowance to loans | 1.5405% | 1,222 |
Loan loss allowance to noncurrent loans | 275.2137% | 1,640 |
Noncurrent assets plus other real estate owned to assets | 0.4638% | 2,615 |
Noncurrent loans to loans | 0.5598% | 2,600 |
Net loans and leases to total assets | 81.5884% | 491 |
Net loans and leases to deposits | 91.4956% | 1,341 |
Net loans and leases to core deposits | 95.9153% | 1,799 |
Total domestic deposits to total assets | 89.1719% | 592 |
Equity capital to assets | 10.1150% | 3,680 |
Core capital (leverage) ratio | 10.1106% | 3,335 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5337% | 2,463 |
Memoranda: |
Average total assets | $404,108,500 | 1,753 |
Average earning assets | $374,710,000 | 1,766 |
Average equity | $40,920,000 | 1,951 |
Average total loans | $329,271,000 | 1,526 |
2019-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.0709% | 1,287 |
Cost of funding earning assets | 0.7973% | 2,696 |
Net interest margin | 4.2735% | 1,155 |
Noninterest income to average assets | 0.5065% | 2,694 |
Noninterest expense to average assets | 3.2249% | 1,463 |
Loan and lease loss provision to assets | 0.3358% | 469 |
Net operating income to assets | 0.7043% | 3,859 |
Return on assets (ROA) | 0.7043% | 3,921 |
Pretax return on assets | 0.8981% | 3,747 |
Return on Equity (ROE) | 6.7542% | 3,642 |
Retained earnings to average equity (ytd only) | -0.9238% | 4,801 |
Net charge-offs to loans | 0.2306% | 883 |
Credit loss provision to net charge-offs | 180.3051% | 1,451 |
Earnings coverage of net charge-offs (x) | 6.6255% | 2,958 |
Efficiency ratio | 72.3281% | 1,824 |
Assets per employee ($millions) | 4.8170% | 2,820 |
Cash dividends to net income (ytd only)* | 113.6780% | 202 |
Condition Ratios (%) |
Loss allowance to loans | 1.5263% | 1,153 |
Loan loss allowance to noncurrent loans | 218.7970% | 1,959 |
Noncurrent assets plus other real estate owned to assets | 0.5588% | 2,212 |
Noncurrent loans to loans | 0.6976% | 2,136 |
Net loans and leases to total assets | 78.8777% | 954 |
Net loans and leases to deposits | 88.5116% | 1,770 |
Net loans and leases to core deposits | 93.3070% | 2,130 |
Total domestic deposits to total assets | 89.1157% | 622 |
Equity capital to assets | 10.1369% | 3,798 |
Core capital (leverage) ratio | 10.3372% | 3,152 |
Tier 1 risk-based capital ratio | 12.6326% | 3,988 |
Total risk-based capital ratio | 13.8859% | 3,874 |
Memoranda: |
Average total assets | $387,171,800 | 1,777 |
Average earning assets | $358,066,000 | 1,788 |
Average equity | $40,374,600 | 1,914 |
Average total loans | $312,707,000 | 1,550 |
2019-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.0634% | 1,381 |
Cost of funding earning assets | 0.7976% | 2,732 |
Net interest margin | 4.2658% | 1,232 |
Noninterest income to average assets | 0.5141% | 2,645 |
Noninterest expense to average assets | 3.2329% | 1,405 |
Loan and lease loss provision to assets | 0.3135% | 462 |
Net operating income to assets | 0.6837% | 4,062 |
Return on assets (ROA) | 0.6837% | 4,123 |
Pretax return on assets | 0.9094% | 3,844 |
Return on Equity (ROE) | 6.5084% | 3,878 |
Retained earnings to average equity (ytd only) | -3.7697% | 5,017 |
Net charge-offs to loans | -0.0073% | 4,302 |
Credit loss provision to net charge-offs | -5,294.1176% | 4,640 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.5553% | 1,754 |
Assets per employee ($millions) | 4.5792% | 3,083 |
Cash dividends to net income (ytd only)* | 157.9214% | 102 |
Condition Ratios (%) |
Loss allowance to loans | 1.6598% | 880 |
Loan loss allowance to noncurrent loans | 224.3209% | 1,913 |
Noncurrent assets plus other real estate owned to assets | 0.6125% | 2,164 |
Noncurrent loans to loans | 0.7399% | 2,113 |
Net loans and leases to total assets | 81.4059% | 642 |
Net loans and leases to deposits | 91.7861% | 1,463 |
Net loans and leases to core deposits | 97.2861% | 1,876 |
Total domestic deposits to total assets | 88.6909% | 745 |
Equity capital to assets | 10.4556% | 3,578 |
Core capital (leverage) ratio | 10.4950% | 3,104 |
Tier 1 risk-based capital ratio | 12.4984% | 4,145 |
Total risk-based capital ratio | 13.7534% | 4,015 |
Memoranda: |
Average total assets | $382,807,250 | 1,807 |
Average earning assets | $353,722,250 | 1,813 |
Average equity | $40,214,000 | 1,928 |
Average total loans | $309,856,250 | 1,576 |
2019-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.0200% | 1,425 |
Cost of funding earning assets | 0.8001% | 2,642 |
Net interest margin | 4.2200% | 1,313 |
Noninterest income to average assets | 0.5291% | 2,513 |
Noninterest expense to average assets | 3.2366% | 1,435 |
Loan and lease loss provision to assets | 0.3140% | 430 |
Net operating income to assets | 0.6662% | 4,109 |
Return on assets (ROA) | 0.6662% | 4,161 |
Pretax return on assets | 0.8786% | 3,911 |
Return on Equity (ROE) | 6.3313% | 3,932 |
Retained earnings to average equity (ytd only) | -9.0867% | 5,159 |
Net charge-offs to loans | -0.0065% | 4,196 |
Credit loss provision to net charge-offs | -6,000.0000% | 4,500 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.0742% | 1,765 |
Assets per employee ($millions) | 4.5176% | 3,111 |
Cash dividends to net income (ytd only)* | 243.5192% | 56 |
Condition Ratios (%) |
Loss allowance to loans | 1.5968% | 1,035 |
Loan loss allowance to noncurrent loans | 208.2845% | 2,088 |
Noncurrent assets plus other real estate owned to assets | 0.6374% | 2,133 |
Noncurrent loans to loans | 0.7666% | 2,064 |
Net loans and leases to total assets | 81.8153% | 633 |
Net loans and leases to deposits | 92.1799% | 1,473 |
Net loans and leases to core deposits | 98.8433% | 1,820 |
Total domestic deposits to total assets | 88.7561% | 763 |
Equity capital to assets | 10.5030% | 3,514 |
Core capital (leverage) ratio | 10.2979% | 3,288 |
Tier 1 risk-based capital ratio | 12.7297% | 3,995 |
Total risk-based capital ratio | 13.9841% | 3,896 |
Memoranda: |
Average total assets | $382,191,330 | 1,815 |
Average earning assets | $353,226,670 | 1,823 |
Average equity | $40,212,670 | 1,922 |
Average total loans | $307,002,670 | 1,588 |
2019-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.9616% | 1,436 |
Cost of funding earning assets | 0.7718% | 2,677 |
Net interest margin | 4.1898% | 1,322 |
Noninterest income to average assets | 0.4624% | 2,789 |
Noninterest expense to average assets | 3.1674% | 1,579 |
Loan and lease loss provision to assets | 0.3110% | 409 |
Net operating income to assets | 0.6656% | 4,040 |
Return on assets (ROA) | 0.6656% | 4,077 |
Pretax return on assets | 0.8564% | 3,905 |
Return on Equity (ROE) | 6.3208% | 3,910 |
Retained earnings to average equity (ytd only) | 1.3981% | 4,222 |
Net charge-offs to loans | -0.0039% | 3,968 |
Credit loss provision to net charge-offs | -10,000.0000% | 4,244 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.0686% | 1,871 |
Assets per employee ($millions) | 4.6419% | 2,987 |
Cash dividends to net income (ytd only)* | 77.8816% | 969 |
Condition Ratios (%) |
Loss allowance to loans | 1.5049% | 1,324 |
Loan loss allowance to noncurrent loans | 197.8399% | 2,202 |
Noncurrent assets plus other real estate owned to assets | 0.6590% | 2,117 |
Noncurrent loans to loans | 0.7607% | 2,128 |
Net loans and leases to total assets | 79.3475% | 929 |
Net loans and leases to deposits | 89.5363% | 1,683 |
Net loans and leases to core deposits | 100.6174% | 1,563 |
Total domestic deposits to total assets | 88.6205% | 1,026 |
Equity capital to assets | 10.6110% | 3,247 |
Core capital (leverage) ratio | 10.7344% | 2,818 |
Tier 1 risk-based capital ratio | 13.1763% | 3,787 |
Total risk-based capital ratio | 14.4293% | 3,697 |
Memoranda: |
Average total assets | $385,808,000 | 1,822 |
Average earning assets | $356,576,500 | 1,820 |
Average equity | $40,628,000 | 1,905 |
Average total loans | $304,628,500 | 1,613 |
2018-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.8643% | 1,382 |
Cost of funding earning assets | 0.5978% | 2,737 |
Net interest margin | 4.2666% | 1,237 |
Noninterest income to average assets | 0.5592% | 2,496 |
Noninterest expense to average assets | 3.3068% | 1,306 |
Loan and lease loss provision to assets | 0.2214% | 812 |
Net operating income to assets | 0.7388% | 4,007 |
Return on assets (ROA) | 0.7388% | 4,010 |
Pretax return on assets | 0.9376% | 3,793 |
Return on Equity (ROE) | 6.6671% | 3,947 |
Retained earnings to average equity (ytd only) | 3.6135% | 3,597 |
Net charge-offs to loans | -0.0177% | 4,667 |
Credit loss provision to net charge-offs | -1,570.0000% | 4,797 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.0481% | 1,622 |
Assets per employee ($millions) | 4.6546% | 2,955 |
Cash dividends to net income (ytd only)* | 45.8015% | 2,199 |
Condition Ratios (%) |
Loss allowance to loans | 1.4615% | 1,412 |
Loan loss allowance to noncurrent loans | 184.6154% | 2,372 |
Noncurrent assets plus other real estate owned to assets | 0.6585% | 2,078 |
Noncurrent loans to loans | 0.7916% | 2,026 |
Net loans and leases to total assets | 76.2310% | 1,572 |
Net loans and leases to deposits | 85.8746% | 2,290 |
Net loans and leases to core deposits | 95.5509% | 2,094 |
Total domestic deposits to total assets | 88.7701% | 960 |
Equity capital to assets | 10.4505% | 3,238 |
Core capital (leverage) ratio | 11.2257% | 2,324 |
Tier 1 risk-based capital ratio | 13.4924% | 3,551 |
Total risk-based capital ratio | 14.7444% | 3,460 |
Memoranda: |
Average total assets | $354,638,200 | 1,901 |
Average earning assets | $324,711,200 | 1,909 |
Average equity | $39,297,400 | 1,896 |
Average total loans | $282,115,400 | 1,666 |
2018-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.8589% | 1,282 |
Cost of funding earning assets | 0.5630% | 2,761 |
Net interest margin | 4.2959% | 1,120 |
Noninterest income to average assets | 0.5588% | 2,527 |
Noninterest expense to average assets | 3.3610% | 1,176 |
Loan and lease loss provision to assets | 0.1865% | 964 |
Net operating income to assets | 0.7441% | 4,096 |
Return on assets (ROA) | 0.7441% | 4,104 |
Pretax return on assets | 0.9345% | 3,914 |
Return on Equity (ROE) | 6.6104% | 4,073 |
Retained earnings to average equity (ytd only) | 2.5110% | 4,393 |
Net charge-offs to loans | -0.0221% | 4,660 |
Credit loss provision to net charge-offs | -1,054.3478% | 4,645 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.9893% | 1,465 |
Assets per employee ($millions) | 4.3305% | 3,384 |
Cash dividends to net income (ytd only)* | 62.0154% | 1,129 |
Condition Ratios (%) |
Loss allowance to loans | 1.3887% | 1,748 |
Loan loss allowance to noncurrent loans | 169.1219% | 2,526 |
Noncurrent assets plus other real estate owned to assets | 0.7181% | 2,061 |
Noncurrent loans to loans | 0.8211% | 2,064 |
Net loans and leases to total assets | 80.2896% | 973 |
Net loans and leases to deposits | 90.9228% | 1,769 |
Net loans and leases to core deposits | 102.0741% | 1,609 |
Total domestic deposits to total assets | 88.3052% | 1,117 |
Equity capital to assets | 10.9419% | 2,715 |
Core capital (leverage) ratio | 11.1691% | 2,435 |
Tier 1 risk-based capital ratio | 13.6559% | 3,543 |
Total risk-based capital ratio | 14.9072% | 3,456 |
Memoranda: |
Average total assets | $346,714,000 | 1,939 |
Average earning assets | $316,637,250 | 1,950 |
Average equity | $39,028,250 | 1,905 |
Average total loans | $277,925,500 | 1,691 |
2018-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.7686% | 1,333 |
Cost of funding earning assets | 0.5087% | 2,948 |
Net interest margin | 4.2599% | 1,134 |
Noninterest income to average assets | 0.5682% | 2,484 |
Noninterest expense to average assets | 3.3427% | 1,227 |
Loan and lease loss provision to assets | 0.1080% | 1,818 |
Net operating income to assets | 0.7977% | 3,863 |
Return on assets (ROA) | 0.7977% | 3,863 |
Pretax return on assets | 1.0050% | 3,646 |
Return on Equity (ROE) | 7.0181% | 3,898 |
Retained earnings to average equity (ytd only) | 0.8529% | 4,791 |
Net charge-offs to loans | -0.0271% | 4,709 |
Credit loss provision to net charge-offs | -500.0000% | 4,361 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.0197% | 1,560 |
Assets per employee ($millions) | 4.2472% | 3,503 |
Cash dividends to net income (ytd only)* | 87.8477% | 551 |
Condition Ratios (%) |
Loss allowance to loans | 1.2921% | 2,206 |
Loan loss allowance to noncurrent loans | 4,314.9425% | 177 |
Noncurrent assets plus other real estate owned to assets | 0.0743% | 4,638 |
Noncurrent loans to loans | 0.0299% | 4,785 |
Net loans and leases to total assets | 80.3865% | 960 |
Net loans and leases to deposits | 90.9639% | 1,714 |
Net loans and leases to core deposits | 114.8708% | 753 |
Total domestic deposits to total assets | 88.3719% | 1,191 |
Equity capital to assets | 10.9153% | 2,717 |
Core capital (leverage) ratio | 11.4561% | 2,105 |
Tier 1 risk-based capital ratio | 13.3787% | 3,690 |
Total risk-based capital ratio | 14.6284% | 3,610 |
Memoranda: |
Average total assets | $342,474,000 | 1,961 |
Average earning assets | $312,544,330 | 1,976 |
Average equity | $38,928,000 | 1,905 |
Average total loans | $273,016,670 | 1,720 |
2018-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.6548% | 1,419 |
Cost of funding earning assets | 0.4183% | 3,461 |
Net interest margin | 4.2365% | 1,087 |
Noninterest income to average assets | 0.6215% | 2,164 |
Noninterest expense to average assets | 3.5046% | 993 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.7742% | 3,816 |
Return on assets (ROA) | 0.7742% | 3,814 |
Pretax return on assets | 0.9710% | 3,633 |
Return on Equity (ROE) | 6.6699% | 3,919 |
Retained earnings to average equity (ytd only) | -5.6628% | 5,233 |
Net charge-offs to loans | -0.0454% | 4,928 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.3049% | 1,324 |
Assets per employee ($millions) | 3.9976% | 3,983 |
Cash dividends to net income (ytd only)* | 184.8998% | 217 |
Condition Ratios (%) |
Loss allowance to loans | 1.3145% | 2,177 |
Loan loss allowance to noncurrent loans | 29,683.3333% | 32 |
Noncurrent assets plus other real estate owned to assets | 0.0562% | 4,814 |
Noncurrent loans to loans | 0.0044% | 5,005 |
Net loans and leases to total assets | 78.7021% | 1,127 |
Net loans and leases to deposits | 91.3977% | 1,516 |
Net loans and leases to core deposits | 115.8752% | 729 |
Total domestic deposits to total assets | 86.1095% | 2,501 |
Equity capital to assets | 11.2656% | 2,333 |
Core capital (leverage) ratio | 11.7472% | 1,817 |
Tier 1 risk-based capital ratio | 13.9270% | 3,414 |
Total risk-based capital ratio | 15.1778% | 3,336 |
Memoranda: |
Average total assets | $335,328,500 | 1,997 |
Average earning assets | $305,061,000 | 2,024 |
Average equity | $38,921,000 | 1,915 |
Average total loans | $264,252,500 | 1,773 |
2017-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.6596% | 1,288 |
Cost of funding earning assets | 0.3927% | 3,311 |
Net interest margin | 4.2669% | 1,045 |
Noninterest income to average assets | 0.5405% | 2,770 |
Noninterest expense to average assets | 3.3815% | 1,234 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 0.6898% | 3,641 |
Return on assets (ROA) | 0.7173% | 3,575 |
Pretax return on assets | 1.0614% | 3,336 |
Return on Equity (ROE) | 6.0667% | 3,733 |
Retained earnings to average equity (ytd only) | 4.0358% | 2,762 |
Net charge-offs to loans | -0.0128% | 4,855 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.8082% | 1,512 |
Assets per employee ($millions) | 3.8925% | 4,131 |
Cash dividends to net income (ytd only)* | 33.4755% | 3,152 |
Condition Ratios (%) |
Loss allowance to loans | 1.3716% | 1,874 |
Loan loss allowance to noncurrent loans | 23,546.6667% | 46 |
Noncurrent assets plus other real estate owned to assets | 0.2714% | 3,802 |
Noncurrent loans to loans | 0.0058% | 5,033 |
Net loans and leases to total assets | 76.7647% | 1,470 |
Net loans and leases to deposits | 93.7588% | 1,301 |
Net loans and leases to core deposits | 114.2918% | 786 |
Total domestic deposits to total assets | 81.8747% | 3,900 |
Equity capital to assets | 11.9572% | 1,860 |
Core capital (leverage) ratio | 12.0180% | 1,594 |
Tier 1 risk-based capital ratio | 14.7465% | 2,964 |
Total risk-based capital ratio | 15.9968% | 2,903 |
Memoranda: |
Average total assets | $326,922,000 | 2,028 |
Average earning assets | $295,903,600 | 2,064 |
Average equity | $38,653,600 | 1,911 |
Average total loans | $249,997,200 | 1,815 |
2017-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.6443% | 1,259 |
Cost of funding earning assets | 0.3819% | 3,360 |
Net interest margin | 4.2623% | 1,018 |
Noninterest income to average assets | 0.5441% | 2,754 |
Noninterest expense to average assets | 3.3560% | 1,233 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.7090% | 3,936 |
Return on assets (ROA) | 0.7412% | 3,843 |
Pretax return on assets | 1.0930% | 3,328 |
Return on Equity (ROE) | 6.2872% | 3,989 |
Retained earnings to average equity (ytd only) | 3.5634% | 3,792 |
Net charge-offs to loans | -0.0328% | 5,027 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.2454% | 1,556 |
Assets per employee ($millions) | 4.0828% | 3,852 |
Cash dividends to net income (ytd only)* | 43.3223% | 2,110 |
Condition Ratios (%) |
Loss allowance to loans | 1.3904% | 1,932 |
Loan loss allowance to noncurrent loans | 17,805.0000% | 56 |
Noncurrent assets plus other real estate owned to assets | 0.2682% | 3,999 |
Noncurrent loans to loans | 0.0078% | 5,110 |
Net loans and leases to total assets | 76.3645% | 1,523 |
Net loans and leases to deposits | 90.0743% | 1,802 |
Net loans and leases to core deposits | 115.4428% | 768 |
Total domestic deposits to total assets | 84.7794% | 2,804 |
Equity capital to assets | 11.8890% | 2,043 |
Core capital (leverage) ratio | 11.4661% | 2,042 |
Tier 1 risk-based capital ratio | 14.1432% | 3,383 |
Total risk-based capital ratio | 15.3944% | 3,284 |
Memoranda: |
Average total assets | $325,936,750 | 2,046 |
Average earning assets | $294,979,500 | 2,080 |
Average equity | $38,426,500 | 1,937 |
Average total loans | $248,117,000 | 1,833 |
2017-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.5212% | 1,464 |
Cost of funding earning assets | 0.3486% | 3,597 |
Net interest margin | 4.1726% | 1,140 |
Noninterest income to average assets | 0.5500% | 2,718 |
Noninterest expense to average assets | 3.3162% | 1,344 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.6772% | 3,950 |
Return on assets (ROA) | 0.7252% | 3,805 |
Pretax return on assets | 1.0766% | 3,277 |
Return on Equity (ROE) | 6.1685% | 3,971 |
Retained earnings to average equity (ytd only) | 2.0509% | 4,435 |
Net charge-offs to loans | -0.0008% | 4,129 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.7409% | 1,616 |
Assets per employee ($millions) | 4.2455% | 3,528 |
Cash dividends to net income (ytd only)* | 66.7517% | 1,253 |
Condition Ratios (%) |
Loss allowance to loans | 1.3456% | 2,198 |
Loan loss allowance to noncurrent loans | 7,780.0000% | 103 |
Noncurrent assets plus other real estate owned to assets | 0.2709% | 4,038 |
Noncurrent loans to loans | 0.0173% | 5,103 |
Net loans and leases to total assets | 75.5766% | 1,595 |
Net loans and leases to deposits | 95.0453% | 1,171 |
Net loans and leases to core deposits | 116.2369% | 702 |
Total domestic deposits to total assets | 79.5164% | 4,509 |
Equity capital to assets | 11.4054% | 2,403 |
Core capital (leverage) ratio | 11.6169% | 1,885 |
Tier 1 risk-based capital ratio | 13.3395% | 3,783 |
Total risk-based capital ratio | 14.5683% | 3,708 |
Memoranda: |
Average total assets | $324,345,670 | 2,058 |
Average earning assets | $293,152,330 | 2,101 |
Average equity | $38,129,330 | 1,949 |
Average total loans | $245,454,000 | 1,851 |
2017-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.4274% | 1,561 |
Cost of funding earning assets | 0.3321% | 3,733 |
Net interest margin | 4.0953% | 1,224 |
Noninterest income to average assets | 0.5608% | 2,606 |
Noninterest expense to average assets | 3.4594% | 1,100 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.5369% | 4,435 |
Return on assets (ROA) | 0.6366% | 4,038 |
Pretax return on assets | 0.9397% | 3,629 |
Return on Equity (ROE) | 5.3297% | 4,232 |
Retained earnings to average equity (ytd only) | -2.9715% | 5,261 |
Net charge-offs to loans | 0.0101% | 2,630 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | 104.6667% | 516 |
Efficiency ratio | 81.3484% | 1,220 |
Assets per employee ($millions) | 4.1252% | 3,797 |
Cash dividends to net income (ytd only)* | 155.7540% | 368 |
Condition Ratios (%) |
Loss allowance to loans | 1.4460% | 1,878 |
Loan loss allowance to noncurrent loans | 893.6061% | 654 |
Noncurrent assets plus other real estate owned to assets | 0.3950% | 3,617 |
Noncurrent loans to loans | 0.1618% | 4,539 |
Net loans and leases to total assets | 74.0065% | 1,744 |
Net loans and leases to deposits | 85.4557% | 2,097 |
Net loans and leases to core deposits | 105.3990% | 1,145 |
Total domestic deposits to total assets | 86.6022% | 2,402 |
Equity capital to assets | 11.7155% | 2,024 |
Core capital (leverage) ratio | 11.7139% | 1,818 |
Tier 1 risk-based capital ratio | 13.7004% | 3,660 |
Total risk-based capital ratio | 14.9514% | 3,565 |
Memoranda: |
Average total assets | $316,699,500 | 2,112 |
Average earning assets | $285,495,000 | 2,161 |
Average equity | $37,825,500 | 1,967 |
Average total loans | $238,087,000 | 1,903 |
2016-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.2525% | 2,303 |
Cost of funding earning assets | 0.3342% | 3,702 |
Net interest margin | 3.9182% | 1,910 |
Noninterest income to average assets | 0.6755% | 2,291 |
Noninterest expense to average assets | 3.5612% | 1,063 |
Loan and lease loss provision to assets | -0.0820% | 5,664 |
Net operating income to assets | 0.4971% | 4,645 |
Return on assets (ROA) | 0.4971% | 4,722 |
Pretax return on assets | 0.7021% | 4,479 |
Return on Equity (ROE) | 3.9917% | 4,836 |
Retained earnings to average equity (ytd only) | 1.3586% | 4,731 |
Net charge-offs to loans | 0.0332% | 3,363 |
Credit loss provision to net charge-offs | -357.1429% | 5,111 |
Earnings coverage of net charge-offs (x) | 27.0143% | 1,530 |
Efficiency ratio | 85.1698% | 889 |
Assets per employee ($millions) | 4.0471% | 3,880 |
Cash dividends to net income (ytd only)* | 65.9631% | 1,500 |
Condition Ratios (%) |
Loss allowance to loans | 1.4922% | 1,703 |
Loan loss allowance to noncurrent loans | 667.9389% | 832 |
Noncurrent assets plus other real estate owned to assets | 0.4643% | 3,402 |
Noncurrent loans to loans | 0.2234% | 4,350 |
Net loans and leases to total assets | 74.1424% | 1,831 |
Net loans and leases to deposits | 85.3443% | 2,258 |
Net loans and leases to core deposits | 104.7627% | 1,226 |
Total domestic deposits to total assets | 86.8745% | 2,209 |
Equity capital to assets | 12.1792% | 1,692 |
Core capital (leverage) ratio | 12.1047% | 1,534 |
Tier 1 risk-based capital ratio | 13.8203% | 3,567 |
Total risk-based capital ratio | 15.0729% | 3,474 |
Memoranda: |
Average total assets | $304,955,200 | 2,138 |
Average earning assets | $272,853,800 | 2,193 |
Average equity | $37,979,200 | 1,927 |
Average total loans | $211,022,800 | 2,038 |
2016-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.1879% | 2,553 |
Cost of funding earning assets | 0.3326% | 3,755 |
Net interest margin | 3.8553% | 2,140 |
Noninterest income to average assets | 0.7838% | 1,832 |
Noninterest expense to average assets | 3.5635% | 1,050 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.4792% | 4,770 |
Return on assets (ROA) | 0.4792% | 4,857 |
Pretax return on assets | 0.6651% | 4,699 |
Return on Equity (ROE) | 3.8259% | 4,968 |
Retained earnings to average equity (ytd only) | 0.3159% | 5,268 |
Net charge-offs to loans | -0.0377% | 5,261 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.2707% | 977 |
Assets per employee ($millions) | 4.0650% | 3,848 |
Cash dividends to net income (ytd only)* | 91.7429% | 508 |
Condition Ratios (%) |
Loss allowance to loans | 1.7496% | 1,101 |
Loan loss allowance to noncurrent loans | 441.6856% | 1,178 |
Noncurrent assets plus other real estate owned to assets | 0.5286% | 3,341 |
Noncurrent loans to loans | 0.3961% | 3,849 |
Net loans and leases to total assets | 70.4908% | 2,421 |
Net loans and leases to deposits | 81.3261% | 2,816 |
Net loans and leases to core deposits | 97.8636% | 1,825 |
Total domestic deposits to total assets | 86.6767% | 2,044 |
Equity capital to assets | 12.3949% | 1,840 |
Core capital (leverage) ratio | 12.1577% | 1,570 |
Tier 1 risk-based capital ratio | 14.8875% | 3,103 |
Total risk-based capital ratio | 16.1420% | 3,030 |
Memoranda: |
Average total assets | $303,286,500 | 2,157 |
Average earning assets | $270,996,750 | 2,208 |
Average equity | $37,985,500 | 1,937 |
Average total loans | $205,141,000 | 2,089 |
2016-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.0800% | 2,945 |
Cost of funding earning assets | 0.3340% | 3,754 |
Net interest margin | 3.7460% | 2,530 |
Noninterest income to average assets | 0.7319% | 1,995 |
Noninterest expense to average assets | 3.4851% | 1,187 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.4107% | 5,003 |
Return on assets (ROA) | 0.4107% | 5,087 |
Pretax return on assets | 0.5813% | 4,936 |
Return on Equity (ROE) | 3.2680% | 5,170 |
Retained earnings to average equity (ytd only) | -2.0115% | 5,543 |
Net charge-offs to loans | 0.0341% | 2,769 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | 25.7647% | 1,504 |
Efficiency ratio | 85.7050% | 908 |
Assets per employee ($millions) | 4.0712% | 3,782 |
Cash dividends to net income (ytd only)* | 161.5509% | 176 |
Condition Ratios (%) |
Loss allowance to loans | 1.8429% | 1,000 |
Loan loss allowance to noncurrent loans | 328.6458% | 1,507 |
Noncurrent assets plus other real estate owned to assets | 0.6403% | 3,079 |
Noncurrent loans to loans | 0.5608% | 3,386 |
Net loans and leases to total assets | 66.0405% | 3,077 |
Net loans and leases to deposits | 76.3202% | 3,345 |
Net loans and leases to core deposits | 90.8414% | 2,451 |
Total domestic deposits to total assets | 86.5308% | 2,154 |
Equity capital to assets | 12.4163% | 1,831 |
Core capital (leverage) ratio | 11.8170% | 1,753 |
Tier 1 risk-based capital ratio | 15.3185% | 2,931 |
Total risk-based capital ratio | 16.5739% | 2,865 |
Memoranda: |
Average total assets | $301,401,670 | 2,176 |
Average earning assets | $268,283,000 | 2,245 |
Average equity | $37,883,000 | 1,946 |
Average total loans | $199,637,000 | 2,128 |
2016-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.0205% | 3,150 |
Cost of funding earning assets | 0.3334% | 3,790 |
Net interest margin | 3.6871% | 2,720 |
Noninterest income to average assets | 0.7922% | 1,650 |
Noninterest expense to average assets | 3.5828% | 1,044 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.3447% | 5,165 |
Return on assets (ROA) | 0.3447% | 5,253 |
Pretax return on assets | 0.4742% | 5,152 |
Return on Equity (ROE) | 2.7252% | 5,317 |
Retained earnings to average equity (ytd only) | -7.8376% | 5,742 |
Net charge-offs to loans | 0.0264% | 2,410 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 27.3077% | 1,248 |
Efficiency ratio | 88.3108% | 787 |
Assets per employee ($millions) | 3.9191% | 4,089 |
Cash dividends to net income (ytd only)* | 387.5969% | 72 |
Condition Ratios (%) |
Loss allowance to loans | 1.9215% | 936 |
Loan loss allowance to noncurrent loans | 313.5914% | 1,553 |
Noncurrent assets plus other real estate owned to assets | 0.6550% | 3,093 |
Noncurrent loans to loans | 0.6127% | 3,336 |
Net loans and leases to total assets | 62.7630% | 3,419 |
Net loans and leases to deposits | 72.1921% | 3,633 |
Net loans and leases to core deposits | 84.2973% | 2,907 |
Total domestic deposits to total assets | 86.9389% | 2,237 |
Equity capital to assets | 12.1219% | 1,941 |
Core capital (leverage) ratio | 11.7898% | 1,760 |
Tier 1 risk-based capital ratio | 16.1504% | 2,607 |
Total risk-based capital ratio | 17.4072% | 2,558 |
Memoranda: |
Average total assets | $299,432,500 | 2,194 |
Average earning assets | $265,143,500 | 2,269 |
Average equity | $37,868,500 | 1,937 |
Average total loans | $196,738,500 | 2,152 |
2015-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.2621% | 2,343 |
Cost of funding earning assets | 0.3063% | 4,180 |
Net interest margin | 3.9558% | 1,855 |
Noninterest income to average assets | 0.7176% | 2,113 |
Noninterest expense to average assets | 3.5071% | 1,281 |
Loan and lease loss provision to assets | -0.0160% | 5,654 |
Net operating income to assets | 0.5555% | 4,475 |
Return on assets (ROA) | 0.5555% | 4,569 |
Pretax return on assets | 0.7521% | 4,356 |
Return on Equity (ROE) | 4.1251% | 4,891 |
Retained earnings to average equity (ytd only) | 1.4859% | 4,873 |
Net charge-offs to loans | 0.1069% | 2,321 |
Credit loss provision to net charge-offs | -21.6346% | 4,992 |
Earnings coverage of net charge-offs (x) | 9.9567% | 2,755 |
Efficiency ratio | 82.6520% | 1,315 |
Assets per employee ($millions) | 3.8568% | 4,195 |
Cash dividends to net income (ytd only)* | 63.9795% | 1,536 |
Condition Ratios (%) |
Loss allowance to loans | 1.9554% | 874 |
Loan loss allowance to noncurrent loans | 291.3806% | 1,688 |
Noncurrent assets plus other real estate owned to assets | 0.7464% | 2,817 |
Noncurrent loans to loans | 0.6711% | 3,180 |
Net loans and leases to total assets | 66.2147% | 2,953 |
Net loans and leases to deposits | 77.2546% | 3,135 |
Net loans and leases to core deposits | 92.0623% | 2,211 |
Total domestic deposits to total assets | 85.7097% | 2,770 |
Equity capital to assets | 13.2086% | 1,254 |
Core capital (leverage) ratio | 13.1511% | 1,095 |
Tier 1 risk-based capital ratio | 16.6435% | 2,409 |
Total risk-based capital ratio | 17.9007% | 2,369 |
Memoranda: |
Average total assets | $281,346,600 | 2,261 |
Average earning assets | $250,744,400 | 2,333 |
Average equity | $37,890,400 | 1,891 |
Average total loans | $194,591,000 | 2,127 |
2015-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.2704% | 2,333 |
Cost of funding earning assets | 0.3028% | 4,312 |
Net interest margin | 3.9676% | 1,815 |
Noninterest income to average assets | 0.7378% | 2,076 |
Noninterest expense to average assets | 3.3236% | 1,643 |
Loan and lease loss provision to assets | 0.1002% | 2,177 |
Net operating income to assets | 0.6476% | 4,143 |
Return on assets (ROA) | 0.6476% | 4,257 |
Pretax return on assets | 0.8724% | 4,083 |
Return on Equity (ROE) | 4.7851% | 4,722 |
Retained earnings to average equity (ytd only) | 1.2589% | 5,217 |
Net charge-offs to loans | 0.3121% | 854 |
Credit loss provision to net charge-offs | 46.1538% | 3,078 |
Earnings coverage of net charge-offs (x) | 4.4791% | 3,343 |
Efficiency ratio | 77.3606% | 2,039 |
Assets per employee ($millions) | 3.7932% | 4,277 |
Cash dividends to net income (ytd only)* | 73.6919% | 899 |
Condition Ratios (%) |
Loss allowance to loans | 1.9530% | 988 |
Loan loss allowance to noncurrent loans | 517.2973% | 1,002 |
Noncurrent assets plus other real estate owned to assets | 0.5803% | 3,546 |
Noncurrent loans to loans | 0.3775% | 4,259 |
Net loans and leases to total assets | 69.4036% | 2,477 |
Net loans and leases to deposits | 81.5186% | 2,703 |
Net loans and leases to core deposits | 98.4710% | 1,652 |
Total domestic deposits to total assets | 85.1384% | 2,954 |
Equity capital to assets | 13.7825% | 1,110 |
Core capital (leverage) ratio | 13.2077% | 1,131 |
Tier 1 risk-based capital ratio | 16.3384% | 2,653 |
Total risk-based capital ratio | 17.5934% | 2,598 |
Memoranda: |
Average total assets | $279,368,500 | 2,291 |
Average earning assets | $250,553,750 | 2,355 |
Average equity | $37,811,250 | 1,908 |
Average total loans | $194,400,750 | 2,142 |
2015-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.1899% | 2,579 |
Cost of funding earning assets | 0.2987% | 4,411 |
Net interest margin | 3.8912% | 2,011 |
Noninterest income to average assets | 0.7124% | 2,168 |
Noninterest expense to average assets | 3.3270% | 1,633 |
Loan and lease loss provision to assets | 0.1499% | 1,423 |
Net operating income to assets | 0.5453% | 4,575 |
Return on assets (ROA) | 0.5453% | 4,686 |
Pretax return on assets | 0.7324% | 4,553 |
Return on Equity (ROE) | 4.0537% | 5,000 |
Retained earnings to average equity (ytd only) | -1.2522% | 5,730 |
Net charge-offs to loans | 0.0010% | 3,873 |
Credit loss provision to net charge-offs | 21,000.0000% | 20 |
Earnings coverage of net charge-offs (x) | 1,236.0000% | 48 |
Efficiency ratio | 79.0402% | 1,907 |
Assets per employee ($millions) | 3.6672% | 4,500 |
Cash dividends to net income (ytd only)* | 130.8901% | 253 |
Condition Ratios (%) |
Loss allowance to loans | 2.2054% | 729 |
Loan loss allowance to noncurrent loans | 212.8231% | 2,141 |
Noncurrent assets plus other real estate owned to assets | 1.0150% | 2,484 |
Noncurrent loans to loans | 1.0363% | 2,573 |
Net loans and leases to total assets | 67.2433% | 2,760 |
Net loans and leases to deposits | 78.5274% | 2,968 |
Net loans and leases to core deposits | 96.6197% | 1,748 |
Total domestic deposits to total assets | 85.6304% | 2,865 |
Equity capital to assets | 13.3313% | 1,246 |
Core capital (leverage) ratio | 12.8089% | 1,253 |
Tier 1 risk-based capital ratio | 16.0090% | 2,857 |
Total risk-based capital ratio | 17.2669% | 2,807 |
Memoranda: |
Average total assets | $280,190,670 | 2,302 |
Average earning assets | $251,798,670 | 2,359 |
Average equity | $37,693,670 | 1,920 |
Average total loans | $193,865,000 | 2,141 |
2015-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.2085% | 2,418 |
Cost of funding earning assets | 0.2929% | 4,522 |
Net interest margin | 3.9156% | 1,837 |
Noninterest income to average assets | 0.6908% | 2,201 |
Noninterest expense to average assets | 3.1530% | 2,117 |
Loan and lease loss provision to assets | 0.1505% | 1,357 |
Net operating income to assets | 0.6736% | 3,928 |
Return on assets (ROA) | 0.6736% | 4,047 |
Pretax return on assets | 0.9129% | 3,843 |
Return on Equity (ROE) | 4.9843% | 4,537 |
Retained earnings to average equity (ytd only) | -5.6206% | 5,974 |
Net charge-offs to loans | -0.1177% | 5,913 |
Credit loss provision to net charge-offs | -184.2105% | 4,590 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.7791% | 2,693 |
Assets per employee ($millions) | 3.7640% | 4,400 |
Cash dividends to net income (ytd only)* | 212.7660% | 207 |
Condition Ratios (%) |
Loss allowance to loans | 2.1959% | 810 |
Loan loss allowance to noncurrent loans | 148.7882% | 2,812 |
Noncurrent assets plus other real estate owned to assets | 1.1169% | 2,398 |
Noncurrent loans to loans | 1.4759% | 1,918 |
Net loans and leases to total assets | 66.8321% | 2,631 |
Net loans and leases to deposits | 78.0069% | 2,803 |
Net loans and leases to core deposits | 95.3004% | 1,672 |
Total domestic deposits to total assets | 85.6746% | 3,106 |
Equity capital to assets | 13.2698% | 1,272 |
Core capital (leverage) ratio | 12.7144% | 1,268 |
Tier 1 risk-based capital ratio | 16.3611% | 2,748 |
Total risk-based capital ratio | 17.6191% | 2,684 |
Memoranda: |
Average total assets | $279,099,500 | 2,319 |
Average earning assets | $251,299,500 | 2,377 |
Average equity | $37,718,500 | 1,932 |
Average total loans | $193,718,000 | 2,137 |
2014-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.3679% | 2,330 |
Cost of funding earning assets | 0.2938% | 4,852 |
Net interest margin | 4.0741% | 1,667 |
Noninterest income to average assets | 0.7780% | 1,956 |
Noninterest expense to average assets | 3.9437% | 813 |
Loan and lease loss provision to assets | -0.0880% | 6,123 |
Net operating income to assets | 0.4530% | 5,007 |
Return on assets (ROA) | 0.4605% | 5,058 |
Pretax return on assets | 0.5979% | 4,950 |
Return on Equity (ROE) | 3.3090% | 5,373 |
Retained earnings to average equity (ytd only) | 3.3090% | 3,871 |
Net charge-offs to loans | -0.6250% | 6,419 |
Credit loss provision to net charge-offs | 20.3993% | 3,970 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.7438% | 932 |
Assets per employee ($millions) | 3.6786% | 4,571 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) |
Loss allowance to loans | 2.0938% | 956 |
Loan loss allowance to noncurrent loans | 151.1317% | 2,801 |
Noncurrent assets plus other real estate owned to assets | 1.0914% | 2,567 |
Noncurrent loans to loans | 1.3854% | 2,114 |
Net loans and leases to total assets | 69.0325% | 2,391 |
Net loans and leases to deposits | 81.1337% | 2,588 |
Net loans and leases to core deposits | 96.4647% | 1,684 |
Total domestic deposits to total assets | 85.0850% | 3,252 |
Equity capital to assets | 13.7646% | 1,041 |
Core capital (leverage) ratio | 13.2325% | 1,045 |
Tier 1 risk-based capital ratio | 17.0654% | 2,488 |
Total risk-based capital ratio | 18.3237% | 2,437 |
Memoranda: |
Average total assets | $267,086,200 | 2,371 |
Average earning assets | $240,320,400 | 2,427 |
Average equity | $37,171,800 | 1,894 |
Average total loans | $184,314,200 | 2,181 |
2014-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.3668% | 2,360 |
Cost of funding earning assets | 0.2948% | 4,929 |
Net interest margin | 4.0720% | 1,665 |
Noninterest income to average assets | 0.7525% | 2,083 |
Noninterest expense to average assets | 3.5220% | 1,430 |
Loan and lease loss provision to assets | 0.3347% | 544 |
Net operating income to assets | 0.4353% | 5,126 |
Return on assets (ROA) | 0.4455% | 5,169 |
Pretax return on assets | 0.5733% | 5,115 |
Return on Equity (ROE) | 3.1916% | 5,477 |
Retained earnings to average equity (ytd only) | 3.1916% | 4,358 |
Net charge-offs to loans | -0.6580% | 6,482 |
Credit loss provision to net charge-offs | -74.1360% | 5,402 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.7379% | 1,958 |
Assets per employee ($millions) | 3.5849% | 4,707 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) |
Loss allowance to loans | 2.5066% | 648 |
Loan loss allowance to noncurrent loans | 97.1193% | 3,738 |
Noncurrent assets plus other real estate owned to assets | 1.9511% | 1,490 |
Noncurrent loans to loans | 2.5810% | 1,117 |
Net loans and leases to total assets | 69.2015% | 2,325 |
Net loans and leases to deposits | 82.0522% | 2,415 |
Net loans and leases to core deposits | 101.2777% | 1,265 |
Total domestic deposits to total assets | 84.3384% | 3,622 |
Equity capital to assets | 14.1625% | 950 |
Core capital (leverage) ratio | 13.6502% | 946 |
Tier 1 risk-based capital ratio | 17.6665% | 2,330 |
Total risk-based capital ratio | 17.6665% | 2,802 |
Memoranda: |
Average total assets | $264,883,750 | 2,414 |
Average earning assets | $238,370,250 | 2,456 |
Average equity | $36,970,750 | 1,906 |
Average total loans | $181,760,000 | 2,224 |
2014-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.3754% | 2,274 |
Cost of funding earning assets | 0.2905% | 5,072 |
Net interest margin | 4.0849% | 1,559 |
Noninterest income to average assets | 0.6988% | 2,285 |
Noninterest expense to average assets | 3.5928% | 1,309 |
Loan and lease loss provision to assets | 0.3966% | 418 |
Net operating income to assets | 0.3110% | 5,531 |
Return on assets (ROA) | 0.3263% | 5,550 |
Pretax return on assets | 0.4042% | 5,550 |
Return on Equity (ROE) | 2.3497% | 5,750 |
Retained earnings to average equity (ytd only) | 2.3497% | 4,711 |
Net charge-offs to loans | 0.4856% | 825 |
Credit loss provision to net charge-offs | 120.4128% | 1,713 |
Earnings coverage of net charge-offs (x) | 2.3739% | 3,563 |
Efficiency ratio | 82.1274% | 1,724 |
Assets per employee ($millions) | 3.5881% | 4,688 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) |
Loss allowance to loans | 1.7740% | 1,910 |
Loan loss allowance to noncurrent loans | 153.6204% | 2,665 |
Noncurrent assets plus other real estate owned to assets | 1.1216% | 2,839 |
Noncurrent loans to loans | 1.1548% | 2,919 |
Net loans and leases to total assets | 67.6927% | 2,464 |
Net loans and leases to deposits | 85.4014% | 1,877 |
Net loans and leases to core deposits | 101.3865% | 1,178 |
Total domestic deposits to total assets | 79.2641% | 5,400 |
Equity capital to assets | 13.9954% | 972 |
Core capital (leverage) ratio | 13.4336% | 996 |
Tier 1 risk-based capital ratio | 17.3964% | 2,464 |
Total risk-based capital ratio | 18.6506% | 2,422 |
Memoranda: |
Average total assets | $264,749,670 | 2,413 |
Average earning assets | $238,243,000 | 2,466 |
Average equity | $36,770,670 | 1,910 |
Average total loans | $179,579,330 | 2,238 |
2014-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.3056% | 2,499 |
Cost of funding earning assets | 0.2807% | 5,280 |
Net interest margin | 4.0249% | 1,666 |
Noninterest income to average assets | 0.6536% | 2,442 |
Noninterest expense to average assets | 3.4588% | 1,572 |
Loan and lease loss provision to assets | 0.4917% | 307 |
Net operating income to assets | 0.2860% | 5,547 |
Return on assets (ROA) | 0.2860% | 5,590 |
Pretax return on assets | 0.3268% | 5,660 |
Return on Equity (ROE) | 2.0669% | 5,766 |
Retained earnings to average equity (ytd only) | 2.0669% | 4,777 |
Net charge-offs to loans | 0.7061% | 507 |
Credit loss provision to net charge-offs | 103.5032% | 1,608 |
Earnings coverage of net charge-offs (x) | 1.7229% | 3,031 |
Efficiency ratio | 80.8631% | 2,070 |
Assets per employee ($millions) | 3.5318% | 4,860 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) |
Loss allowance to loans | 1.7304% | 2,247 |
Loan loss allowance to noncurrent loans | 200.5063% | 2,087 |
Noncurrent assets plus other real estate owned to assets | 0.9109% | 3,454 |
Noncurrent loans to loans | 0.8630% | 3,737 |
Net loans and leases to total assets | 67.0280% | 2,389 |
Net loans and leases to deposits | 83.1048% | 1,936 |
Net loans and leases to core deposits | 96.5463% | 1,346 |
Total domestic deposits to total assets | 80.6549% | 5,332 |
Equity capital to assets | 13.6887% | 1,040 |
Core capital (leverage) ratio | 13.6516% | 935 |
Tier 1 risk-based capital ratio | 17.2864% | 2,559 |
Total risk-based capital ratio | 18.5378% | 2,524 |
Memoranda: |
Average total assets | $264,366,500 | 2,421 |
Average earning assets | $238,015,500 | 2,468 |
Average equity | $36,576,000 | 1,915 |
Average total loans | $177,878,500 | 2,258 |
2013-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.1022% | 3,729 |
Cost of funding earning assets | 0.3019% | 5,581 |
Net interest margin | 3.8003% | 2,656 |
Noninterest income to average assets | 0.7829% | 2,153 |
Noninterest expense to average assets | 3.7303% | 1,239 |
Loan and lease loss provision to assets | 0.1603% | 2,278 |
Net operating income to assets | 0.2587% | 5,661 |
Return on assets (ROA) | 0.2941% | 5,635 |
Pretax return on assets | 0.3398% | 5,628 |
Return on Equity (ROE) | 2.0622% | 5,822 |
Retained earnings to average equity (ytd only) | 2.0622% | 4,772 |
Net charge-offs to loans | 0.7363% | 870 |
Credit loss provision to net charge-offs | 36.3153% | 4,123 |
Earnings coverage of net charge-offs (x) | 1.0407% | 4,729 |
Efficiency ratio | 89.0330% | 1,105 |
Assets per employee ($millions) | 3.4709% | 4,957 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) |
Loss allowance to loans | 1.8283% | 1,981 |
Loan loss allowance to noncurrent loans | 195.9652% | 2,132 |
Noncurrent assets plus other real estate owned to assets | 0.9512% | 3,522 |
Noncurrent loans to loans | 0.9330% | 3,659 |
Net loans and leases to total assets | 65.1198% | 2,839 |
Net loans and leases to deposits | 79.9042% | 2,471 |
Net loans and leases to core deposits | 91.3272% | 1,871 |
Total domestic deposits to total assets | 81.4973% | 5,036 |
Equity capital to assets | 13.9866% | 903 |
Core capital (leverage) ratio | 14.2141% | 766 |
Tier 1 risk-based capital ratio | 17.8824% | 2,279 |
Total risk-based capital ratio | 19.1370% | 2,244 |
Memoranda: |
Average total assets | $255,719,200 | 2,476 |
Average earning assets | $229,245,000 | 2,521 |
Average equity | $36,465,600 | 1,896 |
Average total loans | $153,330,200 | 2,514 |
2013-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.0485% | 3,940 |
Cost of funding earning assets | 0.3082% | 5,663 |
Net interest margin | 3.7403% | 2,885 |
Noninterest income to average assets | 0.8045% | 2,119 |
Noninterest expense to average assets | 3.7673% | 1,130 |
Loan and lease loss provision to assets | 0.2147% | 1,699 |
Net operating income to assets | 0.1682% | 5,992 |
Return on assets (ROA) | 0.2210% | 5,943 |
Pretax return on assets | 0.2268% | 5,999 |
Return on Equity (ROE) | 1.5424% | 6,062 |
Retained earnings to average equity (ytd only) | 1.5424% | 5,363 |
Net charge-offs to loans | 1.0658% | 532 |
Credit loss provision to net charge-offs | 34.5409% | 3,814 |
Earnings coverage of net charge-offs (x) | 0.6226% | 4,648 |
Efficiency ratio | 90.6833% | 937 |
Assets per employee ($millions) | 3.3378% | 5,210 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) |
Loss allowance to loans | 1.9971% | 1,724 |
Loan loss allowance to noncurrent loans | 167.2423% | 2,323 |
Noncurrent assets plus other real estate owned to assets | 1.1692% | 3,316 |
Noncurrent loans to loans | 1.1941% | 3,433 |
Net loans and leases to total assets | 62.4124% | 3,284 |
Net loans and leases to deposits | 74.9534% | 3,094 |
Net loans and leases to core deposits | 86.9915% | 2,281 |
Total domestic deposits to total assets | 83.2683% | 4,473 |
Equity capital to assets | 14.8570% | 738 |
Core capital (leverage) ratio | 14.1866% | 822 |
Tier 1 risk-based capital ratio | 19.4208% | 1,880 |
Total risk-based capital ratio | 20.6763% | 1,849 |
Memoranda: |
Average total assets | $254,570,500 | 2,502 |
Average earning assets | $227,996,750 | 2,545 |
Average equity | $36,479,750 | 1,913 |
Average total loans | $148,494,500 | 2,595 |
2013-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.0090% | 4,073 |
Cost of funding earning assets | 0.3080% | 5,766 |
Net interest margin | 3.7010% | 2,953 |
Noninterest income to average assets | 0.8110% | 2,142 |
Noninterest expense to average assets | 3.7025% | 1,244 |
Loan and lease loss provision to assets | 0.2943% | 1,229 |
Net operating income to assets | 0.1240% | 6,076 |
Return on assets (ROA) | 0.2022% | 6,015 |
Pretax return on assets | 0.2084% | 6,072 |
Return on Equity (ROE) | 1.4273% | 6,112 |
Retained earnings to average equity (ytd only) | 1.4273% | 5,310 |
Net charge-offs to loans | 1.6408% | 304 |
Credit loss provision to net charge-offs | 31.6667% | 3,557 |
Earnings coverage of net charge-offs (x) | 0.4542% | 4,388 |
Efficiency ratio | 89.7653% | 1,066 |
Assets per employee ($millions) | 3.5688% | 4,709 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) |
Loss allowance to loans | 2.1055% | 1,624 |
Loan loss allowance to noncurrent loans | 125.7507% | 2,911 |
Noncurrent assets plus other real estate owned to assets | 1.4512% | 2,926 |
Noncurrent loans to loans | 1.6743% | 2,801 |
Net loans and leases to total assets | 55.3145% | 4,396 |
Net loans and leases to deposits | 64.9283% | 4,385 |
Net loans and leases to core deposits | 75.5867% | 3,596 |
Total domestic deposits to total assets | 85.1932% | 3,801 |
Equity capital to assets | 14.0468% | 959 |
Core capital (leverage) ratio | 13.4413% | 1,004 |
Tier 1 risk-based capital ratio | 19.8742% | 1,746 |
Total risk-based capital ratio | 21.1303% | 1,721 |
Memoranda: |
Average total assets | $258,206,330 | 2,474 |
Average earning assets | $231,181,000 | 2,527 |
Average equity | $36,572,670 | 1,911 |
Average total loans | $146,267,670 | 2,628 |
2013-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.0109% | 4,074 |
Cost of funding earning assets | 0.3149% | 5,847 |
Net interest margin | 3.6960% | 2,869 |
Noninterest income to average assets | 0.6939% | 2,625 |
Noninterest expense to average assets | 3.6070% | 1,412 |
Loan and lease loss provision to assets | 0.1391% | 2,505 |
Net operating income to assets | 0.2303% | 5,790 |
Return on assets (ROA) | 0.2303% | 5,915 |
Pretax return on assets | 0.2488% | 5,960 |
Return on Equity (ROE) | 1.6190% | 6,054 |
Retained earnings to average equity (ytd only) | 1.6190% | 5,176 |
Net charge-offs to loans | 2.6675% | 147 |
Credit loss provision to net charge-offs | 9.1931% | 3,152 |
Earnings coverage of net charge-offs (x) | 0.2564% | 3,735 |
Efficiency ratio | 90.2901% | 1,121 |
Assets per employee ($millions) | 3.7513% | 4,445 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) |
Loss allowance to loans | 2.0207% | 1,985 |
Loan loss allowance to noncurrent loans | 96.7606% | 3,452 |
Noncurrent assets plus other real estate owned to assets | 1.7498% | 2,671 |
Noncurrent loans to loans | 2.0884% | 2,519 |
Net loans and leases to total assets | 55.1540% | 4,215 |
Net loans and leases to deposits | 64.6717% | 4,233 |
Net loans and leases to core deposits | 75.5647% | 3,375 |
Total domestic deposits to total assets | 85.2830% | 3,910 |
Equity capital to assets | 14.0414% | 1,013 |
Core capital (leverage) ratio | 13.5444% | 929 |
Tier 1 risk-based capital ratio | 19.6552% | 1,863 |
Total risk-based capital ratio | 20.9104% | 1,838 |
Memoranda: |
Average total assets | $258,831,500 | 2,499 |
Average earning assets | $231,171,500 | 2,565 |
Average equity | $36,812,000 | 1,927 |
Average total loans | $146,806,000 | 2,635 |
2012-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.3995% | 3,814 |
Cost of funding earning assets | 0.3479% | 6,229 |
Net interest margin | 4.0516% | 2,191 |
Noninterest income to average assets | 0.6805% | 2,834 |
Noninterest expense to average assets | 3.5318% | 1,754 |
Loan and lease loss provision to assets | 0.0960% | 4,453 |
Net operating income to assets | 0.5049% | 4,674 |
Return on assets (ROA) | 0.5691% | 4,643 |
Pretax return on assets | 0.7365% | 4,535 |
Return on Equity (ROE) | 3.9696% | 5,159 |
Retained earnings to average equity (ytd only) | -0.6643% | 5,967 |
Net charge-offs to loans | -0.0633% | 6,744 |
Credit loss provision to net charge-offs | -271.7391% | 6,438 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.4991% | 1,807 |
Assets per employee ($millions) | 3.5426% | 4,918 |
Cash dividends to net income (ytd only)* | 116.7341% | 343 |
Condition Ratios (%) |
Loss allowance to loans | 2.6585% | 965 |
Loan loss allowance to noncurrent loans | 106.8063% | 3,174 |
Noncurrent assets plus other real estate owned to assets | 2.1986% | 2,234 |
Noncurrent loans to loans | 2.4891% | 2,128 |
Net loans and leases to total assets | 55.6391% | 4,356 |
Net loans and leases to deposits | 66.2024% | 4,255 |
Net loans and leases to core deposits | 77.0092% | 3,406 |
Total domestic deposits to total assets | 84.0439% | 4,295 |
Equity capital to assets | 14.4087% | 906 |
Core capital (leverage) ratio | 13.5044% | 941 |
Tier 1 risk-based capital ratio | 19.5734% | 1,795 |
Total risk-based capital ratio | 20.8347% | 1,757 |
Memoranda: |
Average total assets | $260,407,400 | 2,435 |
Average earning assets | $231,413,000 | 2,488 |
Average equity | $37,333,400 | 1,859 |
Average total loans | $145,313,800 | 2,647 |
2012-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.4569% | 3,793 |
Cost of funding earning assets | 0.3547% | 6,354 |
Net interest margin | 4.1022% | 2,079 |
Noninterest income to average assets | 0.6928% | 2,743 |
Noninterest expense to average assets | 3.4863% | 1,792 |
Loan and lease loss provision to assets | 0.1274% | 3,954 |
Net operating income to assets | 0.5548% | 4,603 |
Return on assets (ROA) | 0.6388% | 4,445 |
Pretax return on assets | 0.8364% | 4,354 |
Return on Equity (ROE) | 4.4611% | 5,062 |
Retained earnings to average equity (ytd only) | 3.2871% | 4,559 |
Net charge-offs to loans | 0.2121% | 3,459 |
Credit loss provision to net charge-offs | 108.2251% | 2,712 |
Earnings coverage of net charge-offs (x) | 7.2511% | 2,629 |
Efficiency ratio | 80.3381% | 2,043 |
Assets per employee ($millions) | 3.4056% | 5,197 |
Cash dividends to net income (ytd only)* | 26.3158% | 2,794 |
Condition Ratios (%) |
Loss allowance to loans | 2.4422% | 1,282 |
Loan loss allowance to noncurrent loans | 109.4578% | 2,987 |
Noncurrent assets plus other real estate owned to assets | 2.2953% | 2,317 |
Noncurrent loans to loans | 2.2312% | 2,578 |
Net loans and leases to total assets | 54.1229% | 4,732 |
Net loans and leases to deposits | 64.1285% | 4,697 |
Net loans and leases to core deposits | 74.0980% | 3,966 |
Total domestic deposits to total assets | 84.3975% | 4,036 |
Equity capital to assets | 14.6130% | 935 |
Core capital (leverage) ratio | 14.0490% | 824 |
Tier 1 risk-based capital ratio | 20.2508% | 1,696 |
Total risk-based capital ratio | 21.5096% | 1,664 |
Memoranda: |
Average total assets | $261,742,000 | 2,442 |
Average earning assets | $232,679,750 | 2,500 |
Average equity | $37,478,750 | 1,877 |
Average total loans | $145,193,750 | 2,672 |
2012-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.5686% | 3,487 |
Cost of funding earning assets | 0.3675% | 6,431 |
Net interest margin | 4.2012% | 1,748 |
Noninterest income to average assets | 0.6101% | 3,195 |
Noninterest expense to average assets | 3.4934% | 1,801 |
Loan and lease loss provision to assets | 0.1911% | 3,185 |
Net operating income to assets | 0.4928% | 4,847 |
Return on assets (ROA) | 0.6017% | 4,614 |
Pretax return on assets | 0.8036% | 4,463 |
Return on Equity (ROE) | 4.2314% | 5,166 |
Retained earnings to average equity (ytd only) | 2.4571% | 4,960 |
Net charge-offs to loans | -0.2054% | 6,998 |
Credit loss provision to net charge-offs | -167.7852% | 6,118 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.4401% | 2,108 |
Assets per employee ($millions) | 3.6108% | 4,734 |
Cash dividends to net income (ytd only)* | 41.9314% | 2,096 |
Condition Ratios (%) |
Loss allowance to loans | 2.7044% | 1,029 |
Loan loss allowance to noncurrent loans | 309.4414% | 1,157 |
Noncurrent assets plus other real estate owned to assets | 1.4532% | 3,531 |
Noncurrent loans to loans | 0.8739% | 4,745 |
Net loans and leases to total assets | 54.4279% | 4,724 |
Net loans and leases to deposits | 64.2608% | 4,727 |
Net loans and leases to core deposits | 74.2902% | 3,983 |
Total domestic deposits to total assets | 84.6985% | 4,003 |
Equity capital to assets | 14.4302% | 941 |
Core capital (leverage) ratio | 13.5479% | 965 |
Tier 1 risk-based capital ratio | 19.7933% | 1,759 |
Total risk-based capital ratio | 21.0547% | 1,724 |
Memoranda: |
Average total assets | $261,578,330 | 2,443 |
Average earning assets | $232,411,330 | 2,500 |
Average equity | $37,198,330 | 1,871 |
Average total loans | $145,098,000 | 2,684 |
2012-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.6161% | 3,433 |
Cost of funding earning assets | 0.3779% | 6,509 |
Net interest margin | 4.2382% | 1,645 |
Noninterest income to average assets | 0.5961% | 3,255 |
Noninterest expense to average assets | 3.2670% | 2,392 |
Loan and lease loss provision to assets | 0.2287% | 2,661 |
Net operating income to assets | 0.6403% | 4,171 |
Return on assets (ROA) | 0.6403% | 4,380 |
Pretax return on assets | 0.8613% | 4,187 |
Return on Equity (ROE) | 4.5356% | 5,023 |
Retained earnings to average equity (ytd only) | 0.9719% | 5,682 |
Net charge-offs to loans | -0.2953% | 7,062 |
Credit loss provision to net charge-offs | -140.1869% | 5,539 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.9825% | 2,944 |
Assets per employee ($millions) | 3.5685% | 4,959 |
Cash dividends to net income (ytd only)* | 78.5714% | 828 |
Condition Ratios (%) |
Loss allowance to loans | 2.5840% | 1,244 |
Loan loss allowance to noncurrent loans | 417.9713% | 811 |
Noncurrent assets plus other real estate owned to assets | 1.6064% | 3,440 |
Noncurrent loans to loans | 0.6182% | 5,424 |
Net loans and leases to total assets | 54.1224% | 4,703 |
Net loans and leases to deposits | 63.5294% | 4,702 |
Net loans and leases to core deposits | 72.7324% | 4,051 |
Total domestic deposits to total assets | 85.1927% | 3,936 |
Equity capital to assets | 14.0352% | 1,017 |
Core capital (leverage) ratio | 13.2173% | 1,052 |
Tier 1 risk-based capital ratio | 19.5544% | 1,825 |
Total risk-based capital ratio | 20.8145% | 1,799 |
Memoranda: |
Average total assets | $262,380,000 | 2,458 |
Average earning assets | $232,836,500 | 2,513 |
Average equity | $37,040,000 | 1,880 |
Average total loans | $144,931,000 | 2,703 |
2011-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.6396% | 4,506 |
Cost of funding earning assets | 0.4864% | 6,585 |
Net interest margin | 4.1532% | 2,221 |
Noninterest income to average assets | 0.9435% | 1,525 |
Noninterest expense to average assets | 3.7285% | 1,482 |
Loan and lease loss provision to assets | 0.3920% | 2,638 |
Net operating income to assets | 0.3937% | 4,896 |
Return on assets (ROA) | 0.5704% | 4,331 |
Pretax return on assets | 0.7613% | 4,112 |
Return on Equity (ROE) | 4.1641% | 4,771 |
Retained earnings to average equity (ytd only) | 3.0000% | 4,090 |
Net charge-offs to loans | 1.3621% | 1,210 |
Credit loss provision to net charge-offs | 50.6360% | 5,410 |
Earnings coverage of net charge-offs (x) | 1.1854% | 4,900 |
Efficiency ratio | 80.2478% | 2,273 |
Assets per employee ($millions) | 3.6207% | 4,723 |
Cash dividends to net income (ytd only)* | 27.9548% | 3,203 |
Condition Ratios (%) |
Loss allowance to loans | 2.4688% | 1,358 |
Loan loss allowance to noncurrent loans | 183.1088% | 1,798 |
Noncurrent assets plus other real estate owned to assets | 2.0047% | 2,955 |
Noncurrent loans to loans | 1.3482% | 4,122 |
Net loans and leases to total assets | 53.5564% | 5,101 |
Net loans and leases to deposits | 63.1442% | 5,106 |
Net loans and leases to core deposits | 72.5137% | 4,444 |
Total domestic deposits to total assets | 84.8159% | 3,944 |
Equity capital to assets | 14.1997% | 1,003 |
Core capital (leverage) ratio | 13.1646% | 1,083 |
Tier 1 risk-based capital ratio | 19.7551% | 1,696 |
Total risk-based capital ratio | 21.0143% | 1,662 |
Memoranda: |
Average total assets | $264,017,000 | 2,391 |
Average earning assets | $235,385,400 | 2,445 |
Average equity | $36,166,600 | 1,879 |
Average total loans | $150,059,400 | 2,643 |
2011-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.7061% | 4,431 |
Cost of funding earning assets | 0.5094% | 6,662 |
Net interest margin | 4.1967% | 2,111 |
Noninterest income to average assets | 0.9761% | 1,405 |
Noninterest expense to average assets | 3.6432% | 1,619 |
Loan and lease loss provision to assets | 0.4596% | 2,161 |
Net operating income to assets | 0.4051% | 4,971 |
Return on assets (ROA) | 0.6086% | 4,234 |
Pretax return on assets | 0.9359% | 3,637 |
Return on Equity (ROE) | 4.4834% | 4,774 |
Retained earnings to average equity (ytd only) | 2.9222% | 4,603 |
Net charge-offs to loans | 0.6122% | 2,415 |
Credit loss provision to net charge-offs | 130.9900% | 2,430 |
Earnings coverage of net charge-offs (x) | 3.0847% | 3,592 |
Efficiency ratio | 77.0960% | 2,664 |
Assets per employee ($millions) | 3.7859% | 4,335 |
Cash dividends to net income (ytd only)* | 34.8222% | 2,267 |
Condition Ratios (%) |
Loss allowance to loans | 3.2168% | 710 |
Loan loss allowance to noncurrent loans | 84.8609% | 3,402 |
Noncurrent assets plus other real estate owned to assets | 2.7837% | 2,337 |
Noncurrent loans to loans | 3.7906% | 1,783 |
Net loans and leases to total assets | 52.5286% | 5,383 |
Net loans and leases to deposits | 61.4169% | 5,471 |
Net loans and leases to core deposits | 71.3428% | 4,800 |
Total domestic deposits to total assets | 85.5278% | 3,473 |
Equity capital to assets | 13.4688% | 1,385 |
Core capital (leverage) ratio | 13.0708% | 1,201 |
Tier 1 risk-based capital ratio | 19.4818% | 1,820 |
Total risk-based capital ratio | 20.7493% | 1,785 |
Memoranda: |
Average total assets | $264,849,250 | 2,391 |
Average earning assets | $236,624,250 | 2,441 |
Average equity | $35,954,000 | 1,883 |
Average total loans | $151,787,000 | 2,637 |
2011-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.8248% | 3,979 |
Cost of funding earning assets | 0.5369% | 6,718 |
Net interest margin | 4.2879% | 1,713 |
Noninterest income to average assets | 1.0218% | 1,269 |
Noninterest expense to average assets | 3.7564% | 1,434 |
Loan and lease loss provision to assets | 0.2898% | 3,070 |
Net operating income to assets | 0.5197% | 4,418 |
Return on assets (ROA) | 0.5628% | 4,377 |
Pretax return on assets | 0.8663% | 3,776 |
Return on Equity (ROE) | 4.1344% | 4,866 |
Retained earnings to average equity (ytd only) | 1.7759% | 5,105 |
Net charge-offs to loans | 0.8062% | 1,893 |
Credit loss provision to net charge-offs | 61.5883% | 4,304 |
Earnings coverage of net charge-offs (x) | 2.3160% | 3,671 |
Efficiency ratio | 77.5138% | 2,787 |
Assets per employee ($millions) | 3.6582% | 4,542 |
Cash dividends to net income (ytd only)* | 57.0461% | 1,442 |
Condition Ratios (%) |
Loss allowance to loans | 2.8915% | 997 |
Loan loss allowance to noncurrent loans | 95.4969% | 3,011 |
Noncurrent assets plus other real estate owned to assets | 2.4243% | 2,734 |
Noncurrent loans to loans | 3.0278% | 2,393 |
Net loans and leases to total assets | 54.1404% | 5,272 |
Net loans and leases to deposits | 63.2287% | 5,370 |
Net loans and leases to core deposits | 74.5330% | 4,504 |
Total domestic deposits to total assets | 85.6263% | 3,539 |
Equity capital to assets | 13.5435% | 1,268 |
Core capital (leverage) ratio | 12.8664% | 1,215 |
Tier 1 risk-based capital ratio | 19.0425% | 1,830 |
Total risk-based capital ratio | 20.3062% | 1,789 |
Memoranda: |
Average total assets | $262,270,670 | 2,438 |
Average earning assets | $233,916,000 | 2,488 |
Average equity | $35,700,670 | 1,878 |
Average total loans | $153,068,000 | 2,644 |
2011-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.8441% | 3,851 |
Cost of funding earning assets | 0.5666% | 6,735 |
Net interest margin | 4.2774% | 1,633 |
Noninterest income to average assets | 1.0943% | 1,096 |
Noninterest expense to average assets | 3.6663% | 1,611 |
Loan and lease loss provision to assets | 0.2817% | 2,891 |
Net operating income to assets | 0.6187% | 3,933 |
Return on assets (ROA) | 0.6187% | 4,002 |
Pretax return on assets | 0.9574% | 3,291 |
Return on Equity (ROE) | 4.5338% | 4,632 |
Retained earnings to average equity (ytd only) | -0.2143% | 5,827 |
Net charge-offs to loans | 0.7090% | 1,798 |
Credit loss provision to net charge-offs | 66.5455% | 3,424 |
Earnings coverage of net charge-offs (x) | 2.9273% | 2,912 |
Efficiency ratio | 74.7411% | 3,381 |
Assets per employee ($millions) | 3.2404% | 5,610 |
Cash dividends to net income (ytd only)* | 104.7264% | 556 |
Condition Ratios (%) |
Loss allowance to loans | 2.8329% | 1,079 |
Loan loss allowance to noncurrent loans | 80.5174% | 3,508 |
Noncurrent assets plus other real estate owned to assets | 2.9039% | 2,379 |
Noncurrent loans to loans | 3.5184% | 2,114 |
Net loans and leases to total assets | 58.1648% | 4,618 |
Net loans and leases to deposits | 68.8052% | 4,553 |
Net loans and leases to core deposits | 79.1743% | 3,856 |
Total domestic deposits to total assets | 84.5356% | 4,254 |
Equity capital to assets | 13.5496% | 1,166 |
Core capital (leverage) ratio | 12.9025% | 1,159 |
Tier 1 risk-based capital ratio | 18.1267% | 2,080 |
Total risk-based capital ratio | 19.3907% | 2,039 |
Memoranda: |
Average total assets | $259,881,000 | 2,472 |
Average earning assets | $231,541,500 | 2,527 |
Average equity | $35,467,000 | 1,876 |
Average total loans | $155,158,500 | 2,630 |
2010-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.9434% | 4,817 |
Cost of funding earning assets | 0.7486% | 6,740 |
Net interest margin | 4.1948% | 2,208 |
Noninterest income to average assets | 1.2418% | 973 |
Noninterest expense to average assets | 3.8122% | 1,464 |
Loan and lease loss provision to assets | 0.2629% | 4,691 |
Net operating income to assets | 0.7573% | 2,965 |
Return on assets (ROA) | 0.7959% | 2,960 |
Pretax return on assets | 0.9343% | 3,153 |
Return on Equity (ROE) | 5.9430% | 3,637 |
Retained earnings to average equity (ytd only) | 3.1184% | 3,678 |
Net charge-offs to loans | 0.4218% | 3,931 |
Credit loss provision to net charge-offs | 107.2531% | 4,142 |
Earnings coverage of net charge-offs (x) | 4.6991% | 2,841 |
Efficiency ratio | 76.7965% | 2,904 |
Assets per employee ($millions) | 3.2161% | 5,633 |
Cash dividends to net income (ytd only)* | 47.5285% | 2,213 |
Condition Ratios (%) |
Loss allowance to loans | 2.9654% | 898 |
Loan loss allowance to noncurrent loans | 81.1250% | 3,490 |
Noncurrent assets plus other real estate owned to assets | 3.1641% | 2,232 |
Noncurrent loans to loans | 3.6554% | 2,042 |
Net loans and leases to total assets | 57.7778% | 5,058 |
Net loans and leases to deposits | 67.6281% | 5,153 |
Net loans and leases to core deposits | 78.5090% | 4,397 |
Total domestic deposits to total assets | 85.4347% | 3,644 |
Equity capital to assets | 13.7472% | 1,115 |
Core capital (leverage) ratio | 12.8630% | 1,175 |
Tier 1 risk-based capital ratio | 18.4257% | 1,867 |
Total risk-based capital ratio | 19.6907% | 1,827 |
Memoranda: |
Average total assets | $264,364,400 | 2,410 |
Average earning assets | $234,577,600 | 2,487 |
Average equity | $35,403,200 | 1,871 |
Average total loans | $153,631,200 | 2,710 |
2010-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.9331% | 5,121 |
Cost of funding earning assets | 0.7691% | 6,847 |
Net interest margin | 4.1640% | 2,353 |
Noninterest income to average assets | 1.2810% | 838 |
Noninterest expense to average assets | 3.7900% | 1,385 |
Loan and lease loss provision to assets | 0.2129% | 4,933 |
Net operating income to assets | 0.8973% | 2,620 |
Return on assets (ROA) | 0.8973% | 2,773 |
Pretax return on assets | 0.9724% | 3,281 |
Return on Equity (ROE) | 6.7434% | 3,461 |
Retained earnings to average equity (ytd only) | 2.9782% | 4,351 |
Net charge-offs to loans | 0.4683% | 3,409 |
Credit loss provision to net charge-offs | 78.7037% | 5,178 |
Earnings coverage of net charge-offs (x) | 4.3815% | 3,074 |
Efficiency ratio | 76.1756% | 2,915 |
Assets per employee ($millions) | 3.2241% | 5,622 |
Cash dividends to net income (ytd only)* | 55.8347% | 1,392 |
Condition Ratios (%) |
Loss allowance to loans | 2.9222% | 885 |
Loan loss allowance to noncurrent loans | 74.3298% | 3,608 |
Noncurrent assets plus other real estate owned to assets | 3.1913% | 2,249 |
Noncurrent loans to loans | 3.9314% | 1,925 |
Net loans and leases to total assets | 55.0518% | 5,689 |
Net loans and leases to deposits | 64.4031% | 5,863 |
Net loans and leases to core deposits | 74.8442% | 5,186 |
Total domestic deposits to total assets | 85.4800% | 3,361 |
Equity capital to assets | 13.5222% | 1,339 |
Core capital (leverage) ratio | 12.5995% | 1,368 |
Tier 1 risk-based capital ratio | 18.5569% | 1,857 |
Total risk-based capital ratio | 19.8207% | 1,822 |
Memoranda: |
Average total assets | $266,133,250 | 2,431 |
Average earning assets | $236,115,500 | 2,506 |
Average equity | $35,411,500 | 1,889 |
Average total loans | $153,739,250 | 2,750 |
2010-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.9354% | 5,248 |
Cost of funding earning assets | 0.8048% | 6,901 |
Net interest margin | 4.1306% | 2,427 |
Noninterest income to average assets | 1.3122% | 739 |
Noninterest expense to average assets | 3.6240% | 1,723 |
Loan and lease loss provision to assets | 0.3187% | 3,832 |
Net operating income to assets | 0.9546% | 2,347 |
Return on assets (ROA) | 0.9546% | 2,435 |
Pretax return on assets | 1.0295% | 3,008 |
Return on Equity (ROE) | 7.2127% | 3,215 |
Retained earnings to average equity (ytd only) | 7.2127% | 1,752 |
Net charge-offs to loans | 0.7277% | 2,402 |
Credit loss provision to net charge-offs | 75.3546% | 4,828 |
Earnings coverage of net charge-offs (x) | 3.1879% | 3,416 |
Efficiency ratio | 72.8849% | 3,680 |
Assets per employee ($millions) | 3.3496% | 5,310 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) |
Loss allowance to loans | 2.8565% | 949 |
Loan loss allowance to noncurrent loans | 89.1184% | 3,050 |
Noncurrent assets plus other real estate owned to assets | 2.9404% | 2,441 |
Noncurrent loans to loans | 3.2053% | 2,500 |
Net loans and leases to total assets | 55.9935% | 5,710 |
Net loans and leases to deposits | 65.4818% | 5,873 |
Net loans and leases to core deposits | 77.4087% | 5,035 |
Total domestic deposits to total assets | 85.5099% | 3,368 |
Equity capital to assets | 13.6357% | 1,294 |
Core capital (leverage) ratio | 12.8608% | 1,257 |
Tier 1 risk-based capital ratio | 18.6211% | 1,799 |
Total risk-based capital ratio | 19.8846% | 1,772 |
Memoranda: |
Average total assets | $266,720,000 | 2,446 |
Average earning assets | $236,334,330 | 2,528 |
Average equity | $35,299,000 | 1,891 |
Average total loans | $155,011,330 | 2,762 |
2010-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 4.8761% | 5,578 |
Cost of funding earning assets | 0.8538% | 6,927 |
Net interest margin | 4.0223% | 2,780 |
Noninterest income to average assets | 1.5610% | 503 |
Noninterest expense to average assets | 3.6076% | 1,720 |
Loan and lease loss provision to assets | 0.3809% | 3,078 |
Net operating income to assets | 1.1263% | 1,750 |
Return on assets (ROA) | 1.1263% | 1,829 |
Pretax return on assets | 1.1263% | 2,647 |
Return on Equity (ROE) | 8.6401% | 2,609 |
Retained earnings to average equity (ytd only) | 8.6401% | 1,494 |
Net charge-offs to loans | 0.2534% | 3,426 |
Credit loss provision to net charge-offs | 257.5758% | 1,510 |
Earnings coverage of net charge-offs (x) | 10.1919% | 1,767 |
Efficiency ratio | 70.5315% | 4,212 |
Assets per employee ($millions) | 3.2547% | 5,642 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) |
Loss allowance to loans | 2.9861% | 831 |
Loan loss allowance to noncurrent loans | 67.1575% | 3,999 |
Noncurrent assets plus other real estate owned to assets | 3.6191% | 1,938 |
Noncurrent loans to loans | 4.4464% | 1,684 |
Net loans and leases to total assets | 56.6292% | 5,657 |
Net loans and leases to deposits | 65.7947% | 5,847 |
Net loans and leases to core deposits | 80.1129% | 4,751 |
Total domestic deposits to total assets | 86.0695% | 3,119 |
Equity capital to assets | 13.2460% | 1,420 |
Core capital (leverage) ratio | 12.4618% | 1,421 |
Tier 1 risk-based capital ratio | 17.9918% | 1,944 |
Total risk-based capital ratio | 19.2566% | 1,913 |
Memoranda: |
Average total assets | $267,769,000 | 2,495 |
Average earning assets | $236,582,500 | 2,567 |
Average equity | $34,907,000 | 1,928 |
Average total loans | $156,253,000 | 2,810 |
2009-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.1743% | 5,769 |
Cost of funding earning assets | 1.1560% | 6,808 |
Net interest margin | 4.0183% | 2,795 |
Noninterest income to average assets | 1.2328% | 994 |
Noninterest expense to average assets | 3.8742% | 1,549 |
Loan and lease loss provision to assets | 0.3606% | 4,640 |
Net operating income to assets | 1.7655% | 385 |
Return on assets (ROA) | 1.8509% | 329 |
Pretax return on assets | 0.6680% | 3,689 |
Return on Equity (ROE) | 16.2469% | 529 |
Retained earnings to average equity (ytd only) | 16.2469% | 75 |
Net charge-offs to loans | 0.4837% | 3,837 |
Credit loss provision to net charge-offs | 127.9528% | 4,040 |
Earnings coverage of net charge-offs (x) | 3.3465% | 3,382 |
Efficiency ratio | 80.4208% | 2,820 |
Assets per employee ($millions) | 3.4006% | 5,254 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) |
Loss allowance to loans | 2.8689% | 867 |
Loan loss allowance to noncurrent loans | 89.9560% | 3,109 |
Noncurrent assets plus other real estate owned to assets | 3.3013% | 2,074 |
Noncurrent loans to loans | 3.1892% | 2,396 |
Net loans and leases to total assets | 56.6617% | 5,876 |
Net loans and leases to deposits | 65.6139% | 6,095 |
Net loans and leases to core deposits | 89.7635% | 5,155 |
Total domestic deposits to total assets | 86.3562% | 2,837 |
Equity capital to assets | 12.8279% | 1,581 |
Core capital (leverage) ratio | 12.5453% | 1,429 |
Tier 1 risk-based capital ratio | 17.2192% | 2,096 |
Total risk-based capital ratio | 18.4825% | 2,048 |
Memoranda: |
Average total assets | $270,350,600 | 2,416 |
Average earning assets | $241,171,600 | 2,494 |
Average equity | $30,799,800 | 2,177 |
Average total loans | $157,539,600 | 2,809 |
2009-09-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.1713% | 6,005 |
Cost of funding earning assets | 1.2271% | 6,812 |
Net interest margin | 3.9443% | 3,068 |
Noninterest income to average assets | 1.2197% | 1,034 |
Noninterest expense to average assets | 3.7934% | 1,604 |
Loan and lease loss provision to assets | 0.3816% | 4,036 |
Net operating income to assets | 0.5805% | 3,677 |
Return on assets (ROA) | 0.6938% | 3,286 |
Pretax return on assets | 0.6938% | 3,882 |
Return on Equity (ROE) | 6.2863% | 3,399 |
Retained earnings to average equity (ytd only) | 6.2863% | 1,817 |
Net charge-offs to loans | 0.4454% | 3,450 |
Credit loss provision to net charge-offs | 147.0588% | 3,293 |
Earnings coverage of net charge-offs (x) | 3.7078% | 3,410 |
Efficiency ratio | 79.7681% | 2,882 |
Assets per employee ($millions) | 3.1749% | 5,714 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) |
Loss allowance to loans | 2.7917% | 796 |
Loan loss allowance to noncurrent loans | 51.2789% | 4,900 |
Noncurrent assets plus other real estate owned to assets | 3.7065% | 1,752 |
Noncurrent loans to loans | 5.4441% | 1,149 |
Net loans and leases to total assets | 59.1587% | 5,718 |
Net loans and leases to deposits | 67.7659% | 6,145 |
Net loans and leases to core deposits | 96.3558% | 4,769 |
Total domestic deposits to total assets | 87.2985% | 2,018 |
Equity capital to assets | 11.6002% | 2,506 |
Core capital (leverage) ratio | 10.9603% | 2,431 |
Tier 1 risk-based capital ratio | 15.4805% | 2,835 |
Total risk-based capital ratio | 16.7445% | 2,769 |
Memoranda: |
Average total assets | $270,776,000 | 2,419 |
Average earning assets | $242,743,250 | 2,489 |
Average equity | $29,884,250 | 2,262 |
Average total loans | $157,745,250 | 2,834 |
2009-06-30 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.1294% | 6,319 |
Cost of funding earning assets | 1.2977% | 6,817 |
Net interest margin | 3.8317% | 3,408 |
Noninterest income to average assets | 1.1472% | 1,189 |
Noninterest expense to average assets | 3.7768% | 1,694 |
Loan and lease loss provision to assets | 0.2756% | 4,376 |
Net operating income to assets | 0.5255% | 3,996 |
Return on assets (ROA) | 0.5255% | 4,111 |
Pretax return on assets | 0.5255% | 4,536 |
Return on Equity (ROE) | 4.8420% | 4,147 |
Retained earnings to average equity (ytd only) | 4.8420% | 2,601 |
Net charge-offs to loans | -0.1280% | 7,986 |
Credit loss provision to net charge-offs | -375.0000% | 7,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.5012% | 2,663 |
Assets per employee ($millions) | 3.1707% | 5,659 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) |
Loss allowance to loans | 3.0591% | 540 |
Loan loss allowance to noncurrent loans | 53.5509% | 4,804 |
Noncurrent assets plus other real estate owned to assets | 3.9198% | 1,533 |
Noncurrent loans to loans | 5.7125% | 993 |
Net loans and leases to total assets | 55.9464% | 6,213 |
Net loans and leases to deposits | 63.5092% | 6,612 |
Net loans and leases to core deposits | 86.7973% | 5,828 |
Total domestic deposits to total assets | 88.0919% | 1,718 |
Equity capital to assets | 11.0495% | 2,870 |
Core capital (leverage) ratio | 10.5909% | 2,736 |
Tier 1 risk-based capital ratio | 15.5788% | 2,786 |
Total risk-based capital ratio | 16.8448% | 2,707 |
Memoranda: |
Average total assets | $272,137,000 | 2,429 |
Average earning assets | $243,654,670 | 2,492 |
Average equity | $29,533,330 | 2,301 |
Average total loans | $156,226,000 | 2,884 |
2009-03-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 5.1157% | 6,600 |
Cost of funding earning assets | 1.3922% | 6,765 |
Net interest margin | 3.7235% | 3,787 |
Noninterest income to average assets | 1.0591% | 1,324 |
Noninterest expense to average assets | 3.6423% | 1,768 |
Loan and lease loss provision to assets | 0.2560% | 3,919 |
Net operating income to assets | 0.5017% | 4,411 |
Return on assets (ROA) | 0.5017% | 4,600 |
Pretax return on assets | 0.5017% | 5,075 |
Return on Equity (ROE) | 4.6650% | 4,628 |
Retained earnings to average equity (ytd only) | 4.6650% | 3,326 |
Net charge-offs to loans | -0.5748% | 8,118 |
Credit loss provision to net charge-offs | -77.7778% | 6,198 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.7793% | 2,440 |
Assets per employee ($millions) | 3.4807% | 4,867 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) |
Loss allowance to loans | 2.9977% | 480 |
Loan loss allowance to noncurrent loans | 53.7226% | 4,976 |
Noncurrent assets plus other real estate owned to assets | 3.5317% | 1,517 |
Noncurrent loans to loans | 5.5800% | 909 |
Net loans and leases to total assets | 52.4542% | 6,633 |
Net loans and leases to deposits | 59.0003% | 6,977 |
Net loans and leases to core deposits | 81.8124% | 6,249 |
Total domestic deposits to total assets | 88.9049% | 1,268 |
Equity capital to assets | 10.2660% | 3,691 |
Core capital (leverage) ratio | 10.6037% | 2,826 |
Tier 1 risk-based capital ratio | 15.5103% | 2,851 |
Total risk-based capital ratio | 16.7785% | 2,777 |
Memoranda: |
Average total assets | $273,452,500 | 2,432 |
Average earning assets | $245,360,500 | 2,492 |
Average equity | $29,410,500 | 2,321 |
Average total loans | $156,570,500 | 2,901 |
2008-12-31 | Rank |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) |
Yield on earning assets | 6.1049% | 5,015 |
Cost of funding earning assets | 2.2045% | 5,578 |
Net interest margin | 3.9004% | 3,565 |
Noninterest income to average assets | 1.0375% | 1,463 |
Noninterest expense to average assets | 3.7096% | 1,941 |
Loan and lease loss provision to assets | 4.0652% | 158 |
Net operating income to assets | -3.2448% | 7,876 |
Return on assets (ROA) | -3.1685% | 7,834 |
Pretax return on assets | -3.1685% | 7,746 |
Return on Equity (ROE) | -24.7979% | 7,860 |
Retained earnings to average equity (ytd only) | -24.7979% | 7,803 |
Net charge-offs to loans | 7.0609% | 39 |
Credit loss provision to net charge-offs | 94.7619% | 5,550 |
Earnings coverage of net charge-offs (x) | 0.1912% | 6,128 |
Efficiency ratio | 81.8908% | 2,314 |
Assets per employee ($millions) | 3.1853% | 5,526 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) |
Loss allowance to loans | 2.7294% | 551 |
Loan loss allowance to noncurrent loans | 46.7117% | 5,681 |
Noncurrent assets plus other real estate owned to assets | 4.1998% | 947 |
Noncurrent loans to loans | 5.8431% | 641 |
Net loans and leases to total assets | 59.1595% | 6,033 |
Net loans and leases to deposits | 67.7115% | 6,487 |
Net loans and leases to core deposits | 83.7208% | 6,314 |
Total domestic deposits to total assets | 87.3699% | 1,771 |
Equity capital to assets | 11.3030% | 2,800 |
Core capital (leverage) ratio | 10.5248% | 2,957 |
Tier 1 risk-based capital ratio | 15.2744% | 2,928 |
Total risk-based capital ratio | 16.3356% | 2,927 |
Memoranda: |
Average total assets | $279,029,800 | 2,320 |
Average earning assets | $249,848,600 | 2,372 |
Average equity | $35,652,200 | 1,889 |
Average total loans | $169,525,000 | 2,621 |