Home > Bank of Montana > Performance and Condition Ratios
Bank of Montana, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4915% | 1,172 |
Cost of funding earning assets | 0.6131% | 4,049 |
Net interest margin | 4.8784% | 373 |
Noninterest income to average assets | 5.6100% | 120 |
Noninterest expense to average assets | 2.5779% | 2,076 |
Loan and lease loss provision to assets | -0.0500% | 4,436 |
Net operating income to assets | 7.8415% | 48 |
Return on assets (ROA) | 7.8407% | 49 |
Pretax return on assets | 7.8407% | 59 |
Return on Equity (ROE) | 89.6600% | 17 |
Retained earnings to average equity (ytd only) | 28.7509% | 52 |
Net charge-offs to loans | 0.0000% | 2,917 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 24.8530% | 4,515 |
Assets per employee ($millions) | 27.6226% | 58 |
Cash dividends to net income (ytd only)* | 67.9316% | 909 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6052% | 4,234 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 30.1600% | 4,284 |
Net loans and leases to deposits | 33.1732% | 4,321 |
Net loans and leases to core deposits | 34.3474% | 4,360 |
Total domestic deposits to total assets | 90.9200% | 530 |
Equity capital to assets | 8.8811% | 2,762 |
Core capital (leverage) ratio | 9.6601% | 3,116 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.6404% | 263 |
Memoranda: | ||
Average total assets | $273,902,600 | 2,561 |
Average earning assets | $267,651,000 | 2,476 |
Average equity | $23,954,000 | 2,576 |
Average total loans | $95,324,000 | 3,224 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3682% | 1,185 |
Cost of funding earning assets | 0.5559% | 4,049 |
Net interest margin | 4.8123% | 405 |
Noninterest income to average assets | 7.2600% | 104 |
Noninterest expense to average assets | 1.2677% | 4,459 |
Loan and lease loss provision to assets | 0.0100% | 2,772 |
Net operating income to assets | 10.6818% | 43 |
Return on assets (ROA) | 10.6803% | 43 |
Pretax return on assets | 10.6803% | 48 |
Return on Equity (ROE) | 122.6700% | 13 |
Retained earnings to average equity (ytd only) | 38.8099% | 51 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 10.6001% | 4,575 |
Assets per employee ($millions) | 21.9605% | 80 |
Cash dividends to net income (ytd only)* | 68.3614% | 700 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7440% | 4,081 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 38.9400% | 4,095 |
Net loans and leases to deposits | 43.8669% | 4,107 |
Net loans and leases to core deposits | 45.6691% | 4,139 |
Total domestic deposits to total assets | 88.7600% | 1,328 |
Equity capital to assets | 11.1150% | 1,302 |
Core capital (leverage) ratio | 10.7231% | 2,207 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.1458% | 284 |
Memoranda: | ||
Average total assets | $266,416,000 | 2,596 |
Average earning assets | $259,995,750 | 2,525 |
Average equity | $23,196,250 | 2,609 |
Average total loans | $96,104,500 | 3,222 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1672% | 1,266 |
Cost of funding earning assets | 0.4579% | 4,066 |
Net interest margin | 4.7093% | 451 |
Noninterest income to average assets | 9.9400% | 91 |
Noninterest expense to average assets | 1.2668% | 4,488 |
Loan and lease loss provision to assets | 0.0500% | 1,895 |
Net operating income to assets | 13.2355% | 36 |
Return on assets (ROA) | 13.2355% | 36 |
Pretax return on assets | 13.2355% | 42 |
Return on Equity (ROE) | 165.4300% | 11 |
Retained earnings to average equity (ytd only) | 36.8181% | 56 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 8.7070% | 4,601 |
Assets per employee ($millions) | 23.6122% | 71 |
Cash dividends to net income (ytd only)* | 77.7436% | 593 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7897% | 4,049 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 36.3300% | 4,165 |
Net loans and leases to deposits | 40.2939% | 4,207 |
Net loans and leases to core deposits | 41.5401% | 4,228 |
Total domestic deposits to total assets | 90.1500% | 885 |
Equity capital to assets | 9.2957% | 2,315 |
Core capital (leverage) ratio | 9.8330% | 2,923 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.3634% | 338 |
Memoranda: | ||
Average total assets | $274,699,667 | 2,557 |
Average earning assets | $268,615,667 | 2,483 |
Average equity | $21,978,333 | 2,698 |
Average total loans | $96,552,333 | 3,214 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9276% | 1,368 |
Cost of funding earning assets | 0.3780% | 4,016 |
Net interest margin | 4.5495% | 544 |
Noninterest income to average assets | 6.7200% | 110 |
Noninterest expense to average assets | 1.3055% | 4,535 |
Loan and lease loss provision to assets | 0.0700% | 1,437 |
Net operating income to assets | 9.7979% | 44 |
Return on assets (ROA) | 9.7965% | 45 |
Pretax return on assets | 9.7965% | 50 |
Return on Equity (ROE) | 132.3000% | 13 |
Retained earnings to average equity (ytd only) | 37.6158% | 72 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 11.6804% | 4,665 |
Assets per employee ($millions) | 26.2439% | 55 |
Cash dividends to net income (ytd only)* | 71.5671% | 767 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7641% | 4,154 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 33.2000% | 4,292 |
Net loans and leases to deposits | 35.9589% | 4,328 |
Net loans and leases to core deposits | 36.7255% | 4,350 |
Total domestic deposits to total assets | 92.3300% | 436 |
Equity capital to assets | 7.6430% | 3,481 |
Core capital (leverage) ratio | 7.6556% | 4,540 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.1281% | 430 |
Memoranda: | ||
Average total assets | $282,182,500 | 2,546 |
Average earning assets | $276,161,000 | 2,472 |
Average equity | $20,895,500 | 2,806 |
Average total loans | $97,276,500 | 3,239 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3912% | 3,364 |
Cost of funding earning assets | 0.2258% | 3,546 |
Net interest margin | 3.1653% | 2,969 |
Noninterest income to average assets | 2.1600% | 224 |
Noninterest expense to average assets | 1.8559% | 3,917 |
Loan and lease loss provision to assets | 0.0600% | 1,752 |
Net operating income to assets | 3.3138% | 96 |
Return on assets (ROA) | 3.3138% | 94 |
Pretax return on assets | 3.3138% | 108 |
Return on Equity (ROE) | 43.6600% | 44 |
Retained earnings to average equity (ytd only) | 20.2065% | 88 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 35.4638% | 4,608 |
Assets per employee ($millions) | 25.0620% | 63 |
Cash dividends to net income (ytd only)* | 53.7138% | 1,228 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0799% | 2,989 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 35.1500% | 4,252 |
Net loans and leases to deposits | 37.9335% | 4,294 |
Net loans and leases to core deposits | 38.7604% | 4,312 |
Total domestic deposits to total assets | 92.6800% | 470 |
Equity capital to assets | 7.1557% | 3,579 |
Core capital (leverage) ratio | 7.4770% | 4,578 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 21.6763% | 570 |
Memoranda: | ||
Average total assets | $233,207,600 | 2,833 |
Average earning assets | $226,264,600 | 2,761 |
Average equity | $17,702,200 | 3,149 |
Average total loans | $94,160,000 | 3,230 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9149% | 4,040 |
Cost of funding earning assets | 0.1937% | 3,350 |
Net interest margin | 2.7211% | 3,887 |
Noninterest income to average assets | 2.2100% | 239 |
Noninterest expense to average assets | 1.3435% | 4,554 |
Loan and lease loss provision to assets | 0.0600% | 1,588 |
Net operating income to assets | 3.4376% | 93 |
Return on assets (ROA) | 3.4382% | 89 |
Pretax return on assets | 3.4382% | 109 |
Return on Equity (ROE) | 44.5100% | 38 |
Retained earnings to average equity (ytd only) | 12.3204% | 724 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 27.7496% | 4,702 |
Assets per employee ($millions) | 20.4605% | 97 |
Cash dividends to net income (ytd only)* | 72.3171% | 568 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0664% | 3,168 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 38.1600% | 4,143 |
Net loans and leases to deposits | 41.1901% | 4,203 |
Net loans and leases to core deposits | 42.0882% | 4,222 |
Total domestic deposits to total assets | 92.6500% | 671 |
Equity capital to assets | 7.2257% | 3,388 |
Core capital (leverage) ratio | 7.3973% | 4,601 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.2830% | 705 |
Memoranda: | ||
Average total assets | $222,589,000 | 2,902 |
Average earning assets | $215,397,000 | 2,841 |
Average equity | $17,196,000 | 3,224 |
Average total loans | $93,206,500 | 3,253 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5993% | 4,272 |
Cost of funding earning assets | 0.2036% | 2,866 |
Net interest margin | 2.3958% | 4,232 |
Noninterest income to average assets | 2.7775% | 164 |
Noninterest expense to average assets | 1.3976% | 4,531 |
Loan and lease loss provision to assets | 0.0614% | 1,493 |
Net operating income to assets | 3.6289% | 51 |
Return on assets (ROA) | 3.6298% | 50 |
Pretax return on assets | 3.6298% | 66 |
Return on Equity (ROE) | 45.8555% | 17 |
Retained earnings to average equity (ytd only) | 10.9202% | 793 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 27.4689% | 4,729 |
Assets per employee ($millions) | 20.1199% | 100 |
Cash dividends to net income (ytd only)* | 76.1856% | 681 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0653% | 3,298 |
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 | 40.9124% | 4,035 |
Net loans and leases to deposits | 44.4248% | 4,094 |
Net loans and leases to core deposits | 45.4903% | 4,140 |
Total domestic deposits to total assets | 92.0938% | 799 |
Equity capital to assets | 7.7174% | 3,333 |
Core capital (leverage) ratio | 7.7873% | 4,440 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.6447% | 647 |
Memoranda: | ||
Average total assets | $214,943,333 | 2,988 |
Average earning assets | $207,283,000 | 2,935 |
Average equity | $17,014,333 | 3,322 |
Average total loans | $92,704,333 | 3,291 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2827% | 4,467 |
Cost of funding earning assets | 0.2346% | 2,329 |
Net interest margin | 2.0481% | 4,482 |
Noninterest income to average assets | 4.0235% | 122 |
Noninterest expense to average assets | 1.4847% | 4,446 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 4.5014% | 44 |
Return on assets (ROA) | 4.5033% | 42 |
Pretax return on assets | 4.5033% | 52 |
Return on Equity (ROE) | 56.1552% | 16 |
Retained earnings to average equity (ytd only) | 39.1485% | 18 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 24.8028% | 4,765 |
Assets per employee ($millions) | 17.8017% | 134 |
Cash dividends to net income (ytd only)* | 30.2852% | 1,750 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9719% | 3,827 |
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 | 43.3583% | 3,788 |
Net loans and leases to deposits | 47.5243% | 3,902 |
Net loans and leases to core deposits | 49.1692% | 3,918 |
Total domestic deposits to total assets | 91.2340% | 919 |
Equity capital to assets | 8.3386% | 3,291 |
Core capital (leverage) ratio | 8.2882% | 4,084 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.7762% | 508 |
Memoranda: | ||
Average total assets | $211,755,500 | 3,028 |
Average earning assets | $202,920,000 | 2,987 |
Average equity | $16,981,500 | 3,396 |
Average total loans | $93,295,500 | 3,281 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1461% | 3,594 |
Cost of funding earning assets | 0.2809% | 2,592 |
Net interest margin | 2.8652% | 3,523 |
Noninterest income to average assets | 2.0387% | 309 |
Noninterest expense to average assets | 2.2672% | 2,891 |
Loan and lease loss provision to assets | 0.0244% | 2,574 |
Net operating income to assets | 2.5122% | 157 |
Return on assets (ROA) | 2.5127% | 160 |
Pretax return on assets | 2.5127% | 249 |
Return on Equity (ROE) | 28.4620% | 81 |
Retained earnings to average equity (ytd only) | 8.4465% | 1,367 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 47.1959% | 4,448 |
Assets per employee ($millions) | 17.4909% | 144 |
Cash dividends to net income (ytd only)* | 70.3235% | 728 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9768% | 3,840 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 43.9042% | 3,844 |
Net loans and leases to deposits | 47.8669% | 4,004 |
Net loans and leases to core deposits | 49.6281% | 4,026 |
Total domestic deposits to total assets | 91.7214% | 264 |
Equity capital to assets | 7.6945% | 4,503 |
Core capital (leverage) ratio | 8.7974% | 3,623 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.9310% | 658 |
Memoranda: | ||
Average total assets | $175,944,400 | 3,241 |
Average earning assets | $169,798,000 | 3,190 |
Average equity | $15,533,000 | 3,583 |
Average total loans | $90,211,400 | 3,334 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3446% | 3,265 |
Cost of funding earning assets | 0.3005% | 2,588 |
Net interest margin | 3.0442% | 3,194 |
Noninterest income to average assets | 2.0574% | 330 |
Noninterest expense to average assets | 1.7867% | 4,194 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 3.2310% | 100 |
Return on assets (ROA) | 3.2318% | 101 |
Pretax return on assets | 3.2318% | 140 |
Return on Equity (ROE) | 35.1905% | 58 |
Retained earnings to average equity (ytd only) | 8.2363% | 1,978 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 35.6077% | 4,819 |
Assets per employee ($millions) | 14.5402% | 223 |
Cash dividends to net income (ytd only)* | 76.5952% | 447 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9790% | 3,918 |
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 | 50.2006% | 3,395 |
Net loans and leases to deposits | 55.7464% | 3,599 |
Net loans and leases to core deposits | 58.6910% | 3,574 |
Total domestic deposits to total assets | 90.0517% | 754 |
Equity capital to assets | 9.0491% | 3,780 |
Core capital (leverage) ratio | 9.9093% | 2,609 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.8561% | 543 |
Memoranda: | ||
Average total assets | $167,457,750 | 3,359 |
Average earning assets | $162,843,250 | 3,279 |
Average equity | $15,378,750 | 3,640 |
Average total loans | $89,499,250 | 3,384 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1878% | 3,695 |
Cost of funding earning assets | 0.3189% | 2,596 |
Net interest margin | 2.8689% | 3,639 |
Noninterest income to average assets | 2.1984% | 294 |
Noninterest expense to average assets | 1.8702% | 4,040 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 3.1178% | 111 |
Return on assets (ROA) | 3.1190% | 116 |
Pretax return on assets | 3.1190% | 164 |
Return on Equity (ROE) | 33.7882% | 70 |
Retained earnings to average equity (ytd only) | 3.3985% | 3,719 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.4939% | 4,808 |
Assets per employee ($millions) | 13.4940% | 257 |
Cash dividends to net income (ytd only)* | 89.9417% | 366 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9579% | 3,973 |
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 | 55.2956% | 2,980 |
Net loans and leases to deposits | 61.5004% | 3,251 |
Net loans and leases to core deposits | 66.6411% | 3,057 |
Total domestic deposits to total assets | 89.9109% | 821 |
Equity capital to assets | 9.3239% | 3,491 |
Core capital (leverage) ratio | 9.4559% | 2,952 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 21.3323% | 663 |
Memoranda: | ||
Average total assets | $165,116,333 | 3,384 |
Average earning assets | $160,547,333 | 3,301 |
Average equity | $15,242,000 | 3,654 |
Average total loans | $89,846,667 | 3,401 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1337% | 3,819 |
Cost of funding earning assets | 0.3468% | 2,547 |
Net interest margin | 2.7869% | 3,794 |
Noninterest income to average assets | 2.2722% | 302 |
Noninterest expense to average assets | 1.6916% | 4,393 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 3.2991% | 122 |
Return on assets (ROA) | 3.3015% | 133 |
Pretax return on assets | 3.3015% | 170 |
Return on Equity (ROE) | 35.9410% | 80 |
Retained earnings to average equity (ytd only) | 24.8139% | 144 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 33.8942% | 4,876 |
Assets per employee ($millions) | 13.9998% | 237 |
Cash dividends to net income (ytd only)* | 30.9593% | 1,685 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9909% | 3,875 |
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 | 51.5039% | 3,493 |
Net loans and leases to deposits | 57.3758% | 3,686 |
Net loans and leases to core deposits | 60.9344% | 3,645 |
Total domestic deposits to total assets | 89.7659% | 923 |
Equity capital to assets | 9.3984% | 3,291 |
Core capital (leverage) ratio | 9.2661% | 3,306 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.9248% | 457 |
Memoranda: | ||
Average total assets | $166,710,500 | 3,369 |
Average earning assets | $162,620,000 | 3,286 |
Average equity | $15,314,000 | 3,658 |
Average total loans | $89,567,500 | 3,414 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9887% | 2,768 |
Cost of funding earning assets | 0.6205% | 2,177 |
Net interest margin | 3.3681% | 2,872 |
Noninterest income to average assets | 2.3419% | 266 |
Noninterest expense to average assets | 2.4470% | 3,002 |
Loan and lease loss provision to assets | 0.0368% | 3,951 |
Net operating income to assets | 3.0958% | 89 |
Return on assets (ROA) | 3.0965% | 91 |
Pretax return on assets | 3.0965% | 116 |
Return on Equity (ROE) | 34.1233% | 49 |
Retained earnings to average equity (ytd only) | 13.4872% | 217 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.8571% | 4,793 |
Assets per employee ($millions) | 16.5424% | 138 |
Cash dividends to net income (ytd only)* | 60.4751% | 1,342 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9439% | 4,062 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | 0.0000% | 4,420 |
Net loans and leases to total assets | 54.9364% | 3,397 |
Net loans and leases to deposits | 62.9136% | 3,525 |
Net loans and leases to core deposits | 66.6481% | 3,491 |
Total domestic deposits to total assets | 87.3205% | 1,785 |
Equity capital to assets | 8.9703% | 4,081 |
Core capital (leverage) ratio | 8.6997% | 4,007 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.1356% | 572 |
Memoranda: | ||
Average total assets | $135,960,200 | 3,558 |
Average earning assets | $130,695,200 | 3,492 |
Average equity | $12,337,600 | 3,940 |
Average total loans | $88,876,800 | 3,417 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2226% | 2,330 |
Cost of funding earning assets | 0.7096% | 1,971 |
Net interest margin | 3.5131% | 2,551 |
Noninterest income to average assets | 2.4479% | 244 |
Noninterest expense to average assets | 1.8684% | 4,385 |
Loan and lease loss provision to assets | 0.0521% | 3,705 |
Net operating income to assets | 3.8902% | 56 |
Return on assets (ROA) | 3.8912% | 57 |
Pretax return on assets | 3.8912% | 73 |
Return on Equity (ROE) | 42.7234% | 31 |
Retained earnings to average equity (ytd only) | 13.7403% | 267 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 32.1556% | 4,984 |
Assets per employee ($millions) | 18.0340% | 110 |
Cash dividends to net income (ytd only)* | 67.8391% | 879 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9120% | 4,033 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 57.9677% | 3,417 |
Net loans and leases to deposits | 65.4463% | 3,664 |
Net loans and leases to core deposits | 69.0989% | 3,692 |
Total domestic deposits to total assets | 88.5728% | 948 |
Equity capital to assets | 7.6282% | 4,828 |
Core capital (leverage) ratio | 8.7241% | 4,044 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.6714% | 953 |
Memoranda: | ||
Average total assets | $128,594,250 | 3,632 |
Average earning assets | $123,079,250 | 3,578 |
Average equity | $11,712,250 | 4,011 |
Average total loans | $88,160,000 | 3,449 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4709% | 2,005 |
Cost of funding earning assets | 0.8487% | 1,607 |
Net interest margin | 3.6222% | 2,410 |
Noninterest income to average assets | 2.7874% | 182 |
Noninterest expense to average assets | 2.1353% | 3,960 |
Loan and lease loss provision to assets | 0.0851% | 3,217 |
Net operating income to assets | 4.0406% | 46 |
Return on assets (ROA) | 4.0389% | 46 |
Pretax return on assets | 4.0389% | 61 |
Return on Equity (ROE) | 40.9354% | 30 |
Retained earnings to average equity (ytd only) | 14.2894% | 260 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 34.1039% | 4,992 |
Assets per employee ($millions) | 15.0607% | 168 |
Cash dividends to net income (ytd only)* | 65.0927% | 1,082 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8917% | 4,029 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 71.0069% | 1,872 |
Net loans and leases to deposits | 81.4293% | 2,265 |
Net loans and leases to core deposits | 87.0092% | 2,351 |
Total domestic deposits to total assets | 87.2007% | 1,546 |
Equity capital to assets | 8.8553% | 4,207 |
Core capital (leverage) ratio | 9.2786% | 3,606 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.9077% | 1,071 |
Memoranda: | ||
Average total assets | $117,456,667 | 3,756 |
Average earning assets | $112,638,667 | 3,701 |
Average equity | $11,589,000 | 4,034 |
Average total loans | $85,996,000 | 3,482 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9985% | 973 |
Cost of funding earning assets | 0.9827% | 1,502 |
Net interest margin | 4.0158% | 1,349 |
Noninterest income to average assets | 1.1253% | 687 |
Noninterest expense to average assets | 2.2433% | 3,904 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 2.7119% | 90 |
Return on assets (ROA) | 2.7119% | 92 |
Pretax return on assets | 2.7119% | 125 |
Return on Equity (ROE) | 25.8303% | 55 |
Retained earnings to average equity (ytd only) | 14.5493% | 218 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.2718% | 4,851 |
Assets per employee ($millions) | 12.0284% | 236 |
Cash dividends to net income (ytd only)* | 43.6735% | 1,792 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0091% | 3,655 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 66.5492% | 2,755 |
Net loans and leases to deposits | 81.7392% | 2,488 |
Net loans and leases to core deposits | 90.9874% | 2,253 |
Total domestic deposits to total assets | 81.4165% | 3,569 |
Equity capital to assets | 9.6347% | 4,095 |
Core capital (leverage) ratio | 11.5804% | 2,008 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $108,412,000 | 3,866 |
Average earning assets | $103,392,000 | 3,830 |
Average equity | $11,382,000 | 4,084 |
Average total loans | $80,437,500 | 3,573 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8384% | 302 |
Cost of funding earning assets | 1.0463% | 1,529 |
Net interest margin | 4.7921% | 403 |
Noninterest income to average assets | 1.1852% | 674 |
Noninterest expense to average assets | 3.2774% | 1,342 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 2.3345% | 176 |
Return on assets (ROA) | 2.3345% | 186 |
Pretax return on assets | 2.3345% | 282 |
Return on Equity (ROE) | 19.1702% | 260 |
Retained earnings to average equity (ytd only) | 5.4233% | 2,213 |
Net charge-offs to loans | 0.0000% | 3,726 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.4016% | 3,924 |
Assets per employee ($millions) | 12.0675% | 218 |
Cash dividends to net income (ytd only)* | 71.7099% | 1,066 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0199% | 3,386 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,619 |
Net loans and leases to total assets | 82.0334% | 553 |
Net loans and leases to deposits | 93.3650% | 1,214 |
Net loans and leases to core deposits | 105.7273% | 1,121 |
Total domestic deposits to total assets | 87.8631% | 1,191 |
Equity capital to assets | 11.5755% | 2,465 |
Core capital (leverage) ratio | 11.8879% | 1,851 |
Tier 1 risk-based capital ratio | 15.2791% | 2,667 |
Total risk-based capital ratio | 16.3948% | 2,651 |
Memoranda: | ||
Average total assets | $89,185,600 | 4,157 |
Average earning assets | $82,386,200 | 4,149 |
Average equity | $10,860,600 | 4,141 |
Average total loans | $72,468,400 | 3,725 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9647% | 256 |
Cost of funding earning assets | 1.0379% | 1,592 |
Net interest margin | 4.9268% | 330 |
Noninterest income to average assets | 1.0578% | 821 |
Noninterest expense to average assets | 2.8605% | 2,375 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 2.6896% | 120 |
Return on assets (ROA) | 2.6896% | 126 |
Pretax return on assets | 2.6896% | 171 |
Return on Equity (ROE) | 21.7888% | 172 |
Retained earnings to average equity (ytd only) | 5.7997% | 2,459 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.5402% | 4,636 |
Assets per employee ($millions) | 10.4486% | 309 |
Cash dividends to net income (ytd only)* | 73.3828% | 850 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0875% | 3,094 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 78.9243% | 999 |
Net loans and leases to deposits | 90.0463% | 1,687 |
Net loans and leases to core deposits | 101.8569% | 1,513 |
Total domestic deposits to total assets | 87.6485% | 1,193 |
Equity capital to assets | 11.7560% | 2,449 |
Core capital (leverage) ratio | 12.4822% | 1,579 |
Tier 1 risk-based capital ratio | 16.0176% | 2,419 |
Total risk-based capital ratio | 17.1999% | 2,389 |
Memoranda: | ||
Average total assets | $87,347,000 | 4,232 |
Average earning assets | $79,644,000 | 4,246 |
Average equity | $10,782,000 | 4,187 |
Average total loans | $70,582,750 | 3,808 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9774% | 243 |
Cost of funding earning assets | 1.0263% | 1,578 |
Net interest margin | 4.9511% | 317 |
Noninterest income to average assets | 0.9352% | 990 |
Noninterest expense to average assets | 2.9982% | 2,013 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 2.3920% | 178 |
Return on assets (ROA) | 2.3920% | 183 |
Pretax return on assets | 2.3920% | 289 |
Return on Equity (ROE) | 19.0441% | 312 |
Retained earnings to average equity (ytd only) | 2.8248% | 3,796 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.6234% | 4,290 |
Assets per employee ($millions) | 8.4595% | 568 |
Cash dividends to net income (ytd only)* | 85.1670% | 714 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1288% | 2,910 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 84.4896% | 323 |
Net loans and leases to deposits | 100.6378% | 631 |
Net loans and leases to core deposits | 116.2538% | 674 |
Total domestic deposits to total assets | 83.9541% | 2,889 |
Equity capital to assets | 12.6934% | 1,749 |
Core capital (leverage) ratio | 12.8858% | 1,361 |
Tier 1 risk-based capital ratio | 15.9980% | 2,411 |
Total risk-based capital ratio | 17.2137% | 2,374 |
Memoranda: | ||
Average total assets | $85,117,000 | 4,296 |
Average earning assets | $76,588,330 | 4,318 |
Average equity | $10,691,000 | 4,214 |
Average total loans | $69,099,000 | 3,854 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0690% | 198 |
Cost of funding earning assets | 1.0142% | 1,507 |
Net interest margin | 5.0549% | 263 |
Noninterest income to average assets | 0.9698% | 879 |
Noninterest expense to average assets | 3.1671% | 1,583 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 2.2629% | 236 |
Return on assets (ROA) | 2.2629% | 246 |
Pretax return on assets | 2.2629% | 385 |
Return on Equity (ROE) | 18.1111% | 388 |
Retained earnings to average equity (ytd only) | 6.1120% | 2,411 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.3261% | 4,036 |
Assets per employee ($millions) | 9.3562% | 418 |
Cash dividends to net income (ytd only)* | 66.2526% | 1,199 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1703% | 2,740 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 81.8350% | 606 |
Net loans and leases to deposits | 94.6384% | 1,093 |
Net loans and leases to core deposits | 109.2145% | 972 |
Total domestic deposits to total assets | 86.4713% | 2,089 |
Equity capital to assets | 12.7651% | 1,588 |
Core capital (leverage) ratio | 12.7786% | 1,366 |
Tier 1 risk-based capital ratio | 16.6592% | 2,210 |
Total risk-based capital ratio | 17.9099% | 2,164 |
Memoranda: | ||
Average total assets | $85,378,000 | 4,335 |
Average earning assets | $75,333,500 | 4,383 |
Average equity | $10,667,500 | 4,244 |
Average total loans | $67,503,500 | 3,933 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1696% | 131 |
Cost of funding earning assets | 0.9091% | 1,055 |
Net interest margin | 5.2605% | 172 |
Noninterest income to average assets | 2.7876% | 167 |
Noninterest expense to average assets | 3.6395% | 831 |
Loan and lease loss provision to assets | 0.0129% | 3,885 |
Net operating income to assets | 3.9227% | 49 |
Return on assets (ROA) | 3.9227% | 48 |
Pretax return on assets | 3.9227% | 57 |
Return on Equity (ROE) | 35.3900% | 19 |
Retained earnings to average equity (ytd only) | 13.5352% | 193 |
Net charge-offs to loans | 0.0000% | 3,782 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 48.0457% | 5,043 |
Assets per employee ($millions) | 9.6167% | 381 |
Cash dividends to net income (ytd only)* | 61.7542% | 1,418 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2500% | 2,297 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 74.4830% | 1,846 |
Net loans and leases to deposits | 85.2193% | 2,383 |
Net loans and leases to core deposits | 95.1148% | 2,125 |
Total domestic deposits to total assets | 87.4015% | 1,584 |
Equity capital to assets | 12.2311% | 1,741 |
Core capital (leverage) ratio | 12.5569% | 1,430 |
Tier 1 risk-based capital ratio | 17.7531% | 1,827 |
Total risk-based capital ratio | 19.0042% | 1,781 |
Memoranda: | ||
Average total assets | $85,451,200 | 4,334 |
Average earning assets | $77,768,200 | 4,354 |
Average equity | $9,471,600 | 4,386 |
Average total loans | $69,220,800 | 3,885 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8625% | 192 |
Cost of funding earning assets | 0.8740% | 1,022 |
Net interest margin | 4.9885% | 271 |
Noninterest income to average assets | 3.2277% | 150 |
Noninterest expense to average assets | 3.2903% | 1,319 |
Loan and lease loss provision to assets | 0.0172% | 3,669 |
Net operating income to assets | 4.5661% | 42 |
Return on assets (ROA) | 4.5661% | 42 |
Pretax return on assets | 4.5661% | 51 |
Return on Equity (ROE) | 42.3065% | 15 |
Retained earnings to average equity (ytd only) | 16.6355% | 116 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.7893% | 5,276 |
Assets per employee ($millions) | 12.3564% | 178 |
Cash dividends to net income (ytd only)* | 60.6787% | 1,176 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1477% | 2,920 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | 0.0000% | 4,954 |
Net loans and leases to total assets | 81.2544% | 838 |
Net loans and leases to deposits | 93.0837% | 1,497 |
Net loans and leases to core deposits | 102.0088% | 1,612 |
Total domestic deposits to total assets | 87.2918% | 1,600 |
Equity capital to assets | 12.0828% | 1,847 |
Core capital (leverage) ratio | 12.7352% | 1,402 |
Tier 1 risk-based capital ratio | 17.0456% | 2,091 |
Total risk-based capital ratio | 18.2966% | 2,032 |
Memoranda: | ||
Average total assets | $85,176,500 | 4,388 |
Average earning assets | $79,327,000 | 4,375 |
Average equity | $9,193,000 | 4,477 |
Average total loans | $70,205,750 | 3,905 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4110% | 376 |
Cost of funding earning assets | 0.8656% | 850 |
Net interest margin | 4.5454% | 632 |
Noninterest income to average assets | 2.0652% | 263 |
Noninterest expense to average assets | 3.1108% | 1,758 |
Loan and lease loss provision to assets | 0.0260% | 3,397 |
Net operating income to assets | 3.1674% | 72 |
Return on assets (ROA) | 3.1674% | 72 |
Pretax return on assets | 3.1674% | 92 |
Return on Equity (ROE) | 30.5915% | 36 |
Retained earnings to average equity (ytd only) | 17.7121% | 103 |
Net charge-offs to loans | 0.0000% | 3,209 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.3448% | 5,058 |
Assets per employee ($millions) | 10.8706% | 249 |
Cash dividends to net income (ytd only)* | 42.1013% | 2,028 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1022% | 3,244 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 84.1936% | 442 |
Net loans and leases to deposits | 96.1851% | 1,117 |
Net loans and leases to core deposits | 102.7347% | 1,509 |
Total domestic deposits to total assets | 87.5329% | 1,628 |
Equity capital to assets | 10.4410% | 3,173 |
Core capital (leverage) ratio | 10.7763% | 2,731 |
Tier 1 risk-based capital ratio | 14.1363% | 3,294 |
Total risk-based capital ratio | 15.3864% | 3,211 |
Memoranda: | ||
Average total assets | $84,737,000 | 4,435 |
Average earning assets | $79,024,670 | 4,421 |
Average equity | $8,773,670 | 4,568 |
Average total loans | $69,908,670 | 3,939 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1614% | 532 |
Cost of funding earning assets | 0.8104% | 910 |
Net interest margin | 4.3509% | 853 |
Noninterest income to average assets | 2.1525% | 249 |
Noninterest expense to average assets | 3.1809% | 1,609 |
Loan and lease loss provision to assets | 0.0526% | 2,722 |
Net operating income to assets | 3.0279% | 82 |
Return on assets (ROA) | 3.0279% | 83 |
Pretax return on assets | 3.0279% | 111 |
Return on Equity (ROE) | 29.3718% | 47 |
Retained earnings to average equity (ytd only) | 29.3718% | 20 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.8021% | 5,038 |
Assets per employee ($millions) | 7.6796% | 713 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1543% | 3,071 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 82.7194% | 570 |
Net loans and leases to deposits | 93.0367% | 1,326 |
Net loans and leases to core deposits | 99.4549% | 1,725 |
Total domestic deposits to total assets | 88.9105% | 1,140 |
Equity capital to assets | 10.5793% | 2,996 |
Core capital (leverage) ratio | 10.9784% | 2,459 |
Tier 1 risk-based capital ratio | 14.6276% | 3,060 |
Total risk-based capital ratio | 15.8780% | 2,967 |
Memoranda: | ||
Average total assets | $83,623,000 | 4,505 |
Average earning assets | $78,971,500 | 4,465 |
Average equity | $8,620,500 | 4,638 |
Average total loans | $67,845,500 | 4,013 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9884% | 661 |
Cost of funding earning assets | 0.6566% | 1,264 |
Net interest margin | 4.3318% | 905 |
Noninterest income to average assets | 4.6219% | 115 |
Noninterest expense to average assets | 3.8269% | 674 |
Loan and lease loss provision to assets | 0.1946% | 1,076 |
Net operating income to assets | 4.6722% | 35 |
Return on assets (ROA) | 4.6722% | 35 |
Pretax return on assets | 4.6722% | 53 |
Return on Equity (ROE) | 46.6523% | 12 |
Retained earnings to average equity (ytd only) | 19.7880% | 42 |
Net charge-offs to loans | 0.0000% | 4,128 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.0196% | 5,449 |
Assets per employee ($millions) | 7.5245% | 754 |
Cash dividends to net income (ytd only)* | 57.5841% | 1,875 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2370% | 2,553 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 77.5559% | 1,344 |
Net loans and leases to deposits | 87.6140% | 2,061 |
Net loans and leases to core deposits | 93.8138% | 2,212 |
Total domestic deposits to total assets | 88.5200% | 1,243 |
Equity capital to assets | 10.0326% | 3,673 |
Core capital (leverage) ratio | 10.6106% | 2,728 |
Tier 1 risk-based capital ratio | 14.3501% | 3,171 |
Total risk-based capital ratio | 15.6013% | 3,077 |
Memoranda: | ||
Average total assets | $77,608,600 | 4,633 |
Average earning assets | $72,949,000 | 4,599 |
Average equity | $7,772,400 | 4,816 |
Average total loans | $58,901,000 | 4,225 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8618% | 823 |
Cost of funding earning assets | 0.6522% | 1,223 |
Net interest margin | 4.2096% | 1,133 |
Noninterest income to average assets | 5.0262% | 112 |
Noninterest expense to average assets | 3.2565% | 1,443 |
Loan and lease loss provision to assets | 0.2638% | 635 |
Net operating income to assets | 5.4525% | 35 |
Return on assets (ROA) | 5.4525% | 34 |
Pretax return on assets | 5.4525% | 47 |
Return on Equity (ROE) | 54.4699% | 9 |
Retained earnings to average equity (ytd only) | 25.4810% | 24 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.2928% | 5,635 |
Assets per employee ($millions) | 7.1777% | 877 |
Cash dividends to net income (ytd only)* | 53.2201% | 1,614 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2518% | 2,629 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 80.3268% | 937 |
Net loans and leases to deposits | 90.4555% | 1,750 |
Net loans and leases to core deposits | 97.5603% | 1,922 |
Total domestic deposits to total assets | 88.8025% | 969 |
Equity capital to assets | 10.4186% | 3,454 |
Core capital (leverage) ratio | 10.1257% | 3,413 |
Tier 1 risk-based capital ratio | 14.9561% | 2,937 |
Total risk-based capital ratio | 16.2088% | 2,862 |
Memoranda: | ||
Average total assets | $76,318,250 | 4,707 |
Average earning assets | $71,549,000 | 4,683 |
Average equity | $7,639,500 | 4,883 |
Average total loans | $57,377,000 | 4,298 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5594% | 1,358 |
Cost of funding earning assets | 0.6117% | 1,379 |
Net interest margin | 3.9477% | 1,785 |
Noninterest income to average assets | 5.1485% | 112 |
Noninterest expense to average assets | 3.2317% | 1,514 |
Loan and lease loss provision to assets | 0.3261% | 452 |
Net operating income to assets | 5.2864% | 38 |
Return on assets (ROA) | 5.2864% | 38 |
Pretax return on assets | 5.2864% | 48 |
Return on Equity (ROE) | 53.5733% | 11 |
Retained earnings to average equity (ytd only) | 26.7329% | 27 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 36.5408% | 5,686 |
Assets per employee ($millions) | 7.0088% | 932 |
Cash dividends to net income (ytd only)* | 50.1003% | 1,866 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2851% | 2,488 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 70.9661% | 2,383 |
Net loans and leases to deposits | 78.5156% | 3,065 |
Net loans and leases to core deposits | 83.8734% | 3,084 |
Total domestic deposits to total assets | 90.3846% | 400 |
Equity capital to assets | 9.2278% | 4,697 |
Core capital (leverage) ratio | 10.0284% | 3,502 |
Tier 1 risk-based capital ratio | 14.1557% | 3,336 |
Total risk-based capital ratio | 15.4069% | 3,255 |
Memoranda: | ||
Average total assets | $75,439,330 | 4,756 |
Average earning assets | $70,623,330 | 4,735 |
Average equity | $7,444,000 | 4,937 |
Average total loans | $55,094,000 | 4,385 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5584% | 1,238 |
Cost of funding earning assets | 0.5494% | 1,717 |
Net interest margin | 4.0090% | 1,450 |
Noninterest income to average assets | 9.9063% | 59 |
Noninterest expense to average assets | 3.5496% | 975 |
Loan and lease loss provision to assets | 0.1800% | 967 |
Net operating income to assets | 9.9119% | 17 |
Return on assets (ROA) | 9.9119% | 17 |
Pretax return on assets | 9.9119% | 23 |
Return on Equity (ROE) | 96.7401% | 5 |
Retained earnings to average equity (ytd only) | 57.0448% | 9 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 26.0206% | 5,816 |
Assets per employee ($millions) | 7.1827% | 867 |
Cash dividends to net income (ytd only)* | 41.0329% | 1,970 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2687% | 2,694 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 74.2144% | 1,699 |
Net loans and leases to deposits | 83.8408% | 2,302 |
Net loans and leases to core deposits | 91.1759% | 2,243 |
Total domestic deposits to total assets | 88.5182% | 1,413 |
Equity capital to assets | 10.8664% | 2,783 |
Core capital (leverage) ratio | 11.2044% | 2,181 |
Tier 1 risk-based capital ratio | 15.8664% | 2,602 |
Total risk-based capital ratio | 17.1186% | 2,549 |
Memoranda: | ||
Average total assets | $71,106,500 | 4,896 |
Average earning assets | $66,251,500 | 4,874 |
Average equity | $7,285,500 | 5,008 |
Average total loans | $52,409,500 | 4,499 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6073% | 1,265 |
Cost of funding earning assets | 0.5491% | 1,700 |
Net interest margin | 4.0582% | 1,473 |
Noninterest income to average assets | 3.9649% | 145 |
Noninterest expense to average assets | 3.5664% | 1,056 |
Loan and lease loss provision to assets | 0.0726% | 2,903 |
Net operating income to assets | 4.1052% | 46 |
Return on assets (ROA) | 4.1052% | 47 |
Pretax return on assets | 4.1052% | 59 |
Return on Equity (ROE) | 38.1582% | 15 |
Retained earnings to average equity (ytd only) | -6.1173% | 5,711 |
Net charge-offs to loans | 0.0000% | 4,281 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.0529% | 5,641 |
Assets per employee ($millions) | 7.8207% | 650 |
Cash dividends to net income (ytd only)* | 116.0314% | 247 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2867% | 2,616 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 71.2841% | 2,283 |
Net loans and leases to deposits | 79.5680% | 2,933 |
Net loans and leases to core deposits | 86.5860% | 2,804 |
Total domestic deposits to total assets | 89.5888% | 828 |
Equity capital to assets | 9.6127% | 4,157 |
Core capital (leverage) ratio | 10.4719% | 2,905 |
Tier 1 risk-based capital ratio | 14.1779% | 3,362 |
Total risk-based capital ratio | 15.4289% | 3,287 |
Memoranda: | ||
Average total assets | $61,994,600 | 5,090 |
Average earning assets | $57,734,600 | 5,081 |
Average equity | $6,669,600 | 5,157 |
Average total loans | $47,455,800 | 4,652 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5708% | 1,355 |
Cost of funding earning assets | 0.5538% | 1,655 |
Net interest margin | 4.0170% | 1,604 |
Noninterest income to average assets | 3.7708% | 158 |
Noninterest expense to average assets | 2.8025% | 3,003 |
Loan and lease loss provision to assets | 0.0423% | 3,389 |
Net operating income to assets | 4.6880% | 40 |
Return on assets (ROA) | 4.6880% | 41 |
Pretax return on assets | 4.6880% | 57 |
Return on Equity (ROE) | 42.2531% | 17 |
Retained earnings to average equity (ytd only) | -13.9840% | 5,886 |
Net charge-offs to loans | 0.0000% | 3,952 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.2045% | 5,877 |
Assets per employee ($millions) | 7.0003% | 891 |
Cash dividends to net income (ytd only)* | 133.0959% | 167 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2690% | 2,847 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
Noncurrent loans to loans | 0.0000% | 5,428 |
Net loans and leases to total assets | 77.5519% | 1,279 |
Net loans and leases to deposits | 87.0479% | 2,134 |
Net loans and leases to core deposits | 95.7626% | 2,019 |
Total domestic deposits to total assets | 89.0910% | 858 |
Equity capital to assets | 10.2836% | 3,822 |
Core capital (leverage) ratio | 10.9570% | 2,496 |
Tier 1 risk-based capital ratio | 14.8400% | 3,130 |
Total risk-based capital ratio | 16.0929% | 3,063 |
Memoranda: | ||
Average total assets | $59,896,750 | 5,189 |
Average earning assets | $56,093,750 | 5,170 |
Average equity | $6,645,500 | 5,209 |
Average total loans | $46,612,750 | 4,715 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5671% | 1,338 |
Cost of funding earning assets | 0.5508% | 1,694 |
Net interest margin | 4.0163% | 1,593 |
Noninterest income to average assets | 4.5565% | 138 |
Noninterest expense to average assets | 2.7964% | 3,041 |
Loan and lease loss provision to assets | 0.0646% | 2,851 |
Net operating income to assets | 5.4365% | 31 |
Return on assets (ROA) | 5.4365% | 31 |
Pretax return on assets | 5.4365% | 48 |
Return on Equity (ROE) | 47.7541% | 12 |
Retained earnings to average equity (ytd only) | -25.2500% | 5,993 |
Net charge-offs to loans | 0.0000% | 3,689 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 33.7019% | 5,988 |
Assets per employee ($millions) | 7.0488% | 857 |
Cash dividends to net income (ytd only)* | 152.8750% | 199 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3787% | 2,388 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
Noncurrent loans to loans | 0.0000% | 5,521 |
Net loans and leases to total assets | 79.6648% | 960 |
Net loans and leases to deposits | 90.3175% | 1,717 |
Net loans and leases to core deposits | 100.6475% | 1,590 |
Total domestic deposits to total assets | 88.2054% | 1,319 |
Equity capital to assets | 11.2218% | 2,824 |
Core capital (leverage) ratio | 10.8792% | 2,556 |
Tier 1 risk-based capital ratio | 15.1787% | 2,992 |
Total risk-based capital ratio | 16.4308% | 2,926 |
Memoranda: | ||
Average total assets | $58,861,330 | 5,267 |
Average earning assets | $54,826,330 | 5,255 |
Average equity | $6,701,000 | 5,247 |
Average total loans | $45,654,330 | 4,781 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4168% | 1,757 |
Cost of funding earning assets | 0.5352% | 1,825 |
Net interest margin | 3.8817% | 1,990 |
Noninterest income to average assets | 4.9653% | 119 |
Noninterest expense to average assets | 2.6757% | 3,510 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 5.9104% | 35 |
Return on assets (ROA) | 5.9104% | 34 |
Pretax return on assets | 5.9104% | 41 |
Return on Equity (ROE) | 51.5717% | 18 |
Retained earnings to average equity (ytd only) | -33.4519% | 6,038 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 31.1628% | 6,065 |
Assets per employee ($millions) | 6.4603% | 1,130 |
Cash dividends to net income (ytd only)* | 164.8649% | 334 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3550% | 2,627 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 76.2534% | 1,351 |
Net loans and leases to deposits | 86.5904% | 2,004 |
Net loans and leases to core deposits | 96.1694% | 1,779 |
Total domestic deposits to total assets | 88.0622% | 1,606 |
Equity capital to assets | 11.3513% | 2,578 |
Core capital (leverage) ratio | 10.9649% | 2,436 |
Tier 1 risk-based capital ratio | 15.8292% | 2,769 |
Total risk-based capital ratio | 17.0812% | 2,697 |
Memoranda: | ||
Average total assets | $60,097,000 | 5,287 |
Average earning assets | $56,058,500 | 5,266 |
Average equity | $6,887,500 | 5,250 |
Average total loans | $45,706,000 | 4,815 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2241% | 413 |
Cost of funding earning assets | 0.7507% | 637 |
Net interest margin | 4.4734% | 690 |
Noninterest income to average assets | 4.6360% | 138 |
Noninterest expense to average assets | 3.3033% | 1,709 |
Loan and lease loss provision to assets | 0.1011% | 2,299 |
Net operating income to assets | 5.2739% | 41 |
Return on assets (ROA) | 5.2739% | 40 |
Pretax return on assets | 5.2739% | 49 |
Return on Equity (ROE) | 45.4617% | 17 |
Retained earnings to average equity (ytd only) | 17.9217% | 78 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 38.0640% | 6,093 |
Assets per employee ($millions) | 8.8644% | 401 |
Cash dividends to net income (ytd only)* | 60.5786% | 1,711 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3106% | 2,834 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | 0.0000% | 5,583 |
Net loans and leases to total assets | 73.9037% | 1,751 |
Net loans and leases to deposits | 83.9721% | 2,367 |
Net loans and leases to core deposits | 92.0585% | 2,212 |
Total domestic deposits to total assets | 88.0099% | 1,622 |
Equity capital to assets | 11.5631% | 2,311 |
Core capital (leverage) ratio | 11.6682% | 1,837 |
Tier 1 risk-based capital ratio | 16.6180% | 2,418 |
Total risk-based capital ratio | 17.8710% | 2,378 |
Memoranda: | ||
Average total assets | $54,400,400 | 5,447 |
Average earning assets | $49,156,800 | 5,458 |
Average equity | $6,310,800 | 5,375 |
Average total loans | $41,399,800 | 4,950 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7044% | 1,093 |
Cost of funding earning assets | 0.8016% | 492 |
Net interest margin | 3.9028% | 2,025 |
Noninterest income to average assets | 1.2041% | 833 |
Noninterest expense to average assets | 2.9593% | 2,640 |
Loan and lease loss provision to assets | 0.0381% | 3,444 |
Net operating income to assets | 1.6943% | 633 |
Return on assets (ROA) | 1.6943% | 654 |
Pretax return on assets | 1.6943% | 1,119 |
Return on Equity (ROE) | 14.5914% | 792 |
Retained earnings to average equity (ytd only) | 3.1939% | 4,189 |
Net charge-offs to loans | 0.0000% | 4,182 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.0753% | 4,391 |
Assets per employee ($millions) | 5.1898% | 2,076 |
Cash dividends to net income (ytd only)* | 78.1111% | 791 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3929% | 2,632 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 77.6176% | 1,161 |
Net loans and leases to deposits | 92.7025% | 1,338 |
Net loans and leases to core deposits | 102.8704% | 1,313 |
Total domestic deposits to total assets | 83.7277% | 3,529 |
Equity capital to assets | 11.9272% | 2,158 |
Core capital (leverage) ratio | 11.8639% | 1,766 |
Tier 1 risk-based capital ratio | 14.9261% | 3,332 |
Total risk-based capital ratio | 16.1776% | 3,281 |
Memoranda: | ||
Average total assets | $52,487,750 | 5,569 |
Average earning assets | $46,905,000 | 5,572 |
Average equity | $6,094,750 | 5,482 |
Average total loans | $40,133,000 | 5,057 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5674% | 1,355 |
Cost of funding earning assets | 0.7938% | 517 |
Net interest margin | 3.7736% | 2,427 |
Noninterest income to average assets | 1.1351% | 938 |
Noninterest expense to average assets | 2.9876% | 2,593 |
Loan and lease loss provision to assets | 0.0456% | 3,202 |
Net operating income to assets | 1.4767% | 939 |
Return on assets (ROA) | 1.4767% | 989 |
Pretax return on assets | 1.4767% | 1,710 |
Return on Equity (ROE) | 12.8319% | 1,149 |
Retained earnings to average equity (ytd only) | -0.5278% | 5,613 |
Net charge-offs to loans | 0.0000% | 3,893 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.2458% | 3,964 |
Assets per employee ($millions) | 5.3247% | 1,906 |
Cash dividends to net income (ytd only)* | 104.1131% | 478 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3926% | 2,799 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 75.2643% | 1,471 |
Net loans and leases to deposits | 89.0697% | 1,708 |
Net loans and leases to core deposits | 97.8609% | 1,664 |
Total domestic deposits to total assets | 84.5005% | 3,345 |
Equity capital to assets | 11.3208% | 2,558 |
Core capital (leverage) ratio | 11.7381% | 1,817 |
Tier 1 risk-based capital ratio | 15.1203% | 3,289 |
Total risk-based capital ratio | 16.3719% | 3,232 |
Memoranda: | ||
Average total assets | $52,684,330 | 5,619 |
Average earning assets | $47,117,000 | 5,633 |
Average equity | $6,063,000 | 5,541 |
Average total loans | $39,893,670 | 5,112 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4641% | 1,574 |
Cost of funding earning assets | 0.8109% | 474 |
Net interest margin | 3.6532% | 2,800 |
Noninterest income to average assets | 1.3053% | 676 |
Noninterest expense to average assets | 2.9922% | 2,610 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.5801% | 734 |
Return on assets (ROA) | 1.5801% | 769 |
Pretax return on assets | 1.5801% | 1,318 |
Return on Equity (ROE) | 13.6173% | 954 |
Retained earnings to average equity (ytd only) | 4.8022% | 3,173 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.4424% | 4,249 |
Assets per employee ($millions) | 5.2057% | 2,105 |
Cash dividends to net income (ytd only)* | 64.7343% | 1,303 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4015% | 2,908 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 74.8699% | 1,377 |
Net loans and leases to deposits | 89.3287% | 1,455 |
Net loans and leases to core deposits | 99.8565% | 1,332 |
Total domestic deposits to total assets | 83.8139% | 3,883 |
Equity capital to assets | 11.7506% | 2,238 |
Core capital (leverage) ratio | 11.6708% | 1,873 |
Tier 1 risk-based capital ratio | 15.4509% | 3,174 |
Total risk-based capital ratio | 16.7012% | 3,111 |
Memoranda: | ||
Average total assets | $52,403,000 | 5,677 |
Average earning assets | $46,863,000 | 5,683 |
Average equity | $6,080,500 | 5,579 |
Average total loans | $39,519,500 | 5,153 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0666% | 683 |
Cost of funding earning assets | 0.8856% | 419 |
Net interest margin | 4.1810% | 1,356 |
Noninterest income to average assets | 1.6803% | 451 |
Noninterest expense to average assets | 3.2100% | 2,183 |
Loan and lease loss provision to assets | 0.1160% | 2,237 |
Net operating income to assets | 2.0708% | 290 |
Return on assets (ROA) | 2.0708% | 295 |
Pretax return on assets | 2.0708% | 442 |
Return on Equity (ROE) | 17.2087% | 473 |
Retained earnings to average equity (ytd only) | 4.9192% | 2,660 |
Net charge-offs to loans | 0.0000% | 4,970 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.4798% | 5,290 |
Assets per employee ($millions) | 5.2749% | 1,991 |
Cash dividends to net income (ytd only)* | 71.4145% | 1,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4022% | 2,940 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
Noncurrent loans to loans | 0.0000% | 5,950 |
Net loans and leases to total assets | 73.8516% | 1,610 |
Net loans and leases to deposits | 87.5337% | 1,787 |
Net loans and leases to core deposits | 97.6145% | 1,580 |
Total domestic deposits to total assets | 84.3694% | 3,567 |
Equity capital to assets | 11.4580% | 2,469 |
Core capital (leverage) ratio | 12.1137% | 1,557 |
Tier 1 risk-based capital ratio | 15.5721% | 3,196 |
Total risk-based capital ratio | 16.8243% | 3,124 |
Memoranda: | ||
Average total assets | $49,158,600 | 5,806 |
Average earning assets | $43,698,000 | 5,832 |
Average equity | $5,915,600 | 5,638 |
Average total loans | $36,772,600 | 5,298 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1055% | 637 |
Cost of funding earning assets | 0.9195% | 370 |
Net interest margin | 4.1860% | 1,329 |
Noninterest income to average assets | 1.9228% | 370 |
Noninterest expense to average assets | 3.2323% | 2,083 |
Loan and lease loss provision to assets | 0.0359% | 3,688 |
Net operating income to assets | 2.3648% | 175 |
Return on assets (ROA) | 2.3648% | 179 |
Pretax return on assets | 2.3648% | 275 |
Return on Equity (ROE) | 19.3983% | 318 |
Retained earnings to average equity (ytd only) | 5.1896% | 2,964 |
Net charge-offs to loans | 0.0000% | 4,696 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.3811% | 5,526 |
Assets per employee ($millions) | 4.6752% | 2,705 |
Cash dividends to net income (ytd only)* | 73.2481% | 916 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3996% | 3,180 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 76.8502% | 1,118 |
Net loans and leases to deposits | 93.4386% | 1,084 |
Net loans and leases to core deposits | 106.1073% | 953 |
Total domestic deposits to total assets | 82.2467% | 4,399 |
Equity capital to assets | 12.7952% | 1,528 |
Core capital (leverage) ratio | 12.2154% | 1,566 |
Tier 1 risk-based capital ratio | 16.4327% | 2,843 |
Total risk-based capital ratio | 17.6854% | 2,793 |
Memoranda: | ||
Average total assets | $48,261,000 | 5,896 |
Average earning assets | $42,776,250 | 5,925 |
Average equity | $5,883,500 | 5,699 |
Average total loans | $36,088,250 | 5,376 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9606% | 801 |
Cost of funding earning assets | 0.9145% | 397 |
Net interest margin | 4.0461% | 1,671 |
Noninterest income to average assets | 2.3009% | 280 |
Noninterest expense to average assets | 3.3139% | 1,886 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 2.5798% | 125 |
Return on assets (ROA) | 2.5798% | 129 |
Pretax return on assets | 2.5798% | 185 |
Return on Equity (ROE) | 21.5018% | 221 |
Retained earnings to average equity (ytd only) | 5.6062% | 2,575 |
Net charge-offs to loans | 0.0000% | 4,375 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.2283% | 5,724 |
Assets per employee ($millions) | 4.7237% | 2,578 |
Cash dividends to net income (ytd only)* | 73.9269% | 1,067 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4318% | 3,183 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 65.8455% | 2,771 |
Net loans and leases to deposits | 83.4773% | 2,087 |
Net loans and leases to core deposits | 95.7919% | 1,620 |
Total domestic deposits to total assets | 78.8784% | 5,486 |
Equity capital to assets | 11.3874% | 2,520 |
Core capital (leverage) ratio | 12.3338% | 1,481 |
Tier 1 risk-based capital ratio | 17.2568% | 2,514 |
Total risk-based capital ratio | 18.5079% | 2,474 |
Memoranda: | ||
Average total assets | $48,764,000 | 5,930 |
Average earning assets | $43,301,330 | 5,968 |
Average equity | $5,850,670 | 5,749 |
Average total loans | $35,971,330 | 5,420 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7412% | 1,164 |
Cost of funding earning assets | 0.9158% | 414 |
Net interest margin | 3.8254% | 2,365 |
Noninterest income to average assets | 2.1032% | 307 |
Noninterest expense to average assets | 3.6128% | 1,286 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.8912% | 399 |
Return on assets (ROA) | 1.8912% | 421 |
Pretax return on assets | 1.8912% | 662 |
Return on Equity (ROE) | 15.3330% | 728 |
Retained earnings to average equity (ytd only) | 8.8698% | 1,291 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.6394% | 4,588 |
Assets per employee ($millions) | 4.9161% | 2,356 |
Cash dividends to net income (ytd only)* | 42.1525% | 1,923 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3647% | 3,768 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 73.0701% | 1,418 |
Net loans and leases to deposits | 87.5634% | 1,411 |
Net loans and leases to core deposits | 100.6444% | 1,061 |
Total domestic deposits to total assets | 83.4483% | 4,467 |
Equity capital to assets | 11.9648% | 1,894 |
Core capital (leverage) ratio | 12.7206% | 1,287 |
Tier 1 risk-based capital ratio | 16.9261% | 2,725 |
Total risk-based capital ratio | 18.1779% | 2,677 |
Memoranda: | ||
Average total assets | $47,165,500 | 6,036 |
Average earning assets | $41,930,000 | 6,057 |
Average equity | $5,817,500 | 5,796 |
Average total loans | $36,601,500 | 5,443 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2164% | 615 |
Cost of funding earning assets | 0.9638% | 542 |
Net interest margin | 4.2526% | 1,214 |
Noninterest income to average assets | 1.5930% | 565 |
Noninterest expense to average assets | 3.4040% | 1,875 |
Loan and lease loss provision to assets | 0.1634% | 2,233 |
Net operating income to assets | 1.8044% | 477 |
Return on assets (ROA) | 1.8044% | 490 |
Pretax return on assets | 1.8044% | 753 |
Return on Equity (ROE) | 14.8926% | 785 |
Retained earnings to average equity (ytd only) | 3.1296% | 4,011 |
Net charge-offs to loans | 0.0000% | 5,475 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.3671% | 4,999 |
Assets per employee ($millions) | 3.7642% | 4,336 |
Cash dividends to net income (ytd only)* | 78.9855% | 960 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3511% | 3,888 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 80.3343% | 564 |
Net loans and leases to deposits | 97.6533% | 612 |
Net loans and leases to core deposits | 115.8848% | 424 |
Total domestic deposits to total assets | 82.2648% | 4,782 |
Equity capital to assets | 12.7363% | 1,402 |
Core capital (leverage) ratio | 12.0697% | 1,554 |
Tier 1 risk-based capital ratio | 16.4800% | 2,864 |
Total risk-based capital ratio | 17.7318% | 2,825 |
Memoranda: | ||
Average total assets | $45,887,000 | 6,124 |
Average earning assets | $40,775,400 | 6,149 |
Average equity | $5,559,800 | 5,916 |
Average total loans | $33,995,600 | 5,583 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0336% | 871 |
Cost of funding earning assets | 0.9605% | 604 |
Net interest margin | 4.0731% | 1,713 |
Noninterest income to average assets | 1.7019% | 524 |
Noninterest expense to average assets | 3.1664% | 2,458 |
Loan and lease loss provision to assets | 0.2171% | 1,678 |
Net operating income to assets | 1.9392% | 408 |
Return on assets (ROA) | 1.9392% | 421 |
Pretax return on assets | 1.9392% | 666 |
Return on Equity (ROE) | 16.2081% | 624 |
Retained earnings to average equity (ytd only) | 0.3870% | 5,812 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.4889% | 5,500 |
Assets per employee ($millions) | 4.4975% | 2,890 |
Cash dividends to net income (ytd only)* | 97.6123% | 441 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3470% | 4,147 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | 0.0000% | 6,405 |
Net loans and leases to total assets | 73.5750% | 1,351 |
Net loans and leases to deposits | 87.5839% | 1,421 |
Net loans and leases to core deposits | 103.0433% | 931 |
Total domestic deposits to total assets | 84.0051% | 4,181 |
Equity capital to assets | 11.3094% | 2,462 |
Core capital (leverage) ratio | 11.6151% | 1,934 |
Tier 1 risk-based capital ratio | 15.5698% | 3,437 |
Total risk-based capital ratio | 16.8220% | 3,394 |
Memoranda: | ||
Average total assets | $46,066,250 | 6,187 |
Average earning assets | $40,950,500 | 6,212 |
Average equity | $5,511,500 | 5,997 |
Average total loans | $33,298,500 | 5,667 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0914% | 783 |
Cost of funding earning assets | 0.9853% | 582 |
Net interest margin | 4.1061% | 1,521 |
Noninterest income to average assets | 1.6247% | 607 |
Noninterest expense to average assets | 3.2850% | 2,113 |
Loan and lease loss provision to assets | 0.3338% | 1,028 |
Net operating income to assets | 1.6603% | 675 |
Return on assets (ROA) | 1.6603% | 740 |
Pretax return on assets | 1.6603% | 1,211 |
Return on Equity (ROE) | 13.6040% | 1,102 |
Retained earnings to average equity (ytd only) | -3.4648% | 6,352 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.2260% | 5,142 |
Assets per employee ($millions) | 4.7781% | 2,415 |
Cash dividends to net income (ytd only)* | 125.4692% | 313 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3827% | 4,118 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 74.1864% | 1,223 |
Net loans and leases to deposits | 88.4296% | 1,289 |
Net loans and leases to core deposits | 110.6129% | 539 |
Total domestic deposits to total assets | 83.8932% | 4,367 |
Equity capital to assets | 11.4753% | 2,322 |
Core capital (leverage) ratio | 12.2331% | 1,490 |
Tier 1 risk-based capital ratio | 15.9274% | 3,237 |
Total risk-based capital ratio | 17.1794% | 3,178 |
Memoranda: | ||
Average total assets | $44,931,000 | 6,261 |
Average earning assets | $39,989,330 | 6,282 |
Average equity | $5,483,670 | 6,049 |
Average total loans | $32,099,330 | 5,752 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5894% | 1,858 |
Cost of funding earning assets | 1.0256% | 532 |
Net interest margin | 3.5638% | 3,415 |
Noninterest income to average assets | 0.8642% | 1,886 |
Noninterest expense to average assets | 3.5581% | 1,502 |
Loan and lease loss provision to assets | 0.0552% | 3,712 |
Net operating income to assets | 0.4137% | 5,076 |
Return on assets (ROA) | 0.4137% | 5,224 |
Pretax return on assets | 0.4137% | 5,524 |
Return on Equity (ROE) | 3.2823% | 5,445 |
Retained earnings to average equity (ytd only) | -13.7856% | 6,722 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.3562% | 1,293 |
Assets per employee ($millions) | 4.0365% | 3,870 |
Cash dividends to net income (ytd only)* | 520.0000% | 22 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3510% | 4,461 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 70.3865% | 1,598 |
Net loans and leases to deposits | 84.8206% | 1,494 |
Net loans and leases to core deposits | 99.8211% | 960 |
Total domestic deposits to total assets | 82.9827% | 4,859 |
Equity capital to assets | 12.1391% | 1,947 |
Core capital (leverage) ratio | 12.3664% | 1,394 |
Tier 1 risk-based capital ratio | 17.4716% | 2,567 |
Total risk-based capital ratio | 18.7229% | 2,531 |
Memoranda: | ||
Average total assets | $43,506,000 | 6,358 |
Average earning assets | $38,610,500 | 6,379 |
Average equity | $5,484,000 | 6,106 |
Average total loans | $30,177,000 | 5,885 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9031% | 1,827 |
Cost of funding earning assets | 1.1310% | 801 |
Net interest margin | 3.7720% | 3,353 |
Noninterest income to average assets | 1.6953% | 564 |
Noninterest expense to average assets | 3.5175% | 1,777 |
Loan and lease loss provision to assets | 0.1631% | 3,575 |
Net operating income to assets | 1.4934% | 930 |
Return on assets (ROA) | 1.4934% | 1,025 |
Pretax return on assets | 1.4934% | 1,694 |
Return on Equity (ROE) | 10.8700% | 1,843 |
Retained earnings to average equity (ytd only) | 6.2168% | 1,963 |
Net charge-offs to loans | 0.0000% | 5,985 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.9840% | 4,145 |
Assets per employee ($millions) | 4.2610% | 3,439 |
Cash dividends to net income (ytd only)* | 42.8076% | 2,702 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4718% | 3,854 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 66.3013% | 2,479 |
Net loans and leases to deposits | 80.8974% | 2,161 |
Net loans and leases to core deposits | 95.3009% | 1,358 |
Total domestic deposits to total assets | 81.9573% | 5,116 |
Equity capital to assets | 13.0908% | 1,395 |
Core capital (leverage) ratio | 13.3890% | 986 |
Tier 1 risk-based capital ratio | 18.8211% | 2,006 |
Total risk-based capital ratio | 20.0729% | 1,973 |
Memoranda: | ||
Average total assets | $38,635,400 | 6,543 |
Average earning assets | $35,630,800 | 6,511 |
Average equity | $5,308,200 | 6,206 |
Average total loans | $28,182,000 | 6,033 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9649% | 1,788 |
Cost of funding earning assets | 1.1160% | 997 |
Net interest margin | 3.8490% | 3,120 |
Noninterest income to average assets | 1.0874% | 1,274 |
Noninterest expense to average assets | 3.4393% | 1,899 |
Loan and lease loss provision to assets | 0.2232% | 2,829 |
Net operating income to assets | 1.0166% | 2,420 |
Return on assets (ROA) | 1.0166% | 2,654 |
Pretax return on assets | 1.0166% | 3,649 |
Return on Equity (ROE) | 7.3016% | 3,634 |
Retained earnings to average equity (ytd only) | 1.0176% | 5,761 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.5049% | 3,065 |
Assets per employee ($millions) | 4.6586% | 2,667 |
Cash dividends to net income (ytd only)* | 86.0633% | 532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4186% | 4,297 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | 0.0000% | 6,696 |
Net loans and leases to total assets | 69.9430% | 1,910 |
Net loans and leases to deposits | 85.0740% | 1,714 |
Net loans and leases to core deposits | 97.9099% | 1,268 |
Total domestic deposits to total assets | 82.2143% | 4,945 |
Equity capital to assets | 12.6148% | 1,813 |
Core capital (leverage) ratio | 13.0535% | 1,173 |
Tier 1 risk-based capital ratio | 18.5371% | 2,153 |
Total risk-based capital ratio | 19.7883% | 2,119 |
Memoranda: | ||
Average total assets | $37,641,750 | 6,647 |
Average earning assets | $35,125,500 | 6,610 |
Average equity | $5,240,750 | 6,293 |
Average total loans | $28,059,250 | 6,108 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0734% | 1,587 |
Cost of funding earning assets | 1.0984% | 1,229 |
Net interest margin | 3.9750% | 2,611 |
Noninterest income to average assets | 0.9831% | 1,508 |
Noninterest expense to average assets | 3.5622% | 1,655 |
Loan and lease loss provision to assets | 0.3479% | 1,892 |
Net operating income to assets | 0.8505% | 3,140 |
Return on assets (ROA) | 0.8505% | 3,414 |
Pretax return on assets | 0.8505% | 4,275 |
Return on Equity (ROE) | 5.8951% | 4,368 |
Retained earnings to average equity (ytd only) | -2.4882% | 6,410 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.8260% | 2,932 |
Assets per employee ($millions) | 5.6021% | 1,524 |
Cash dividends to net income (ytd only)* | 142.2078% | 199 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4473% | 4,258 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
Noncurrent loans to loans | 0.0000% | 6,740 |
Net loans and leases to total assets | 73.2781% | 1,355 |
Net loans and leases to deposits | 90.0025% | 1,151 |
Net loans and leases to core deposits | 102.9226% | 921 |
Total domestic deposits to total assets | 81.4178% | 5,326 |
Equity capital to assets | 13.2194% | 1,424 |
Core capital (leverage) ratio | 13.8896% | 835 |
Tier 1 risk-based capital ratio | 19.6460% | 1,801 |
Total risk-based capital ratio | 20.9004% | 1,767 |
Memoranda: | ||
Average total assets | $36,213,330 | 6,728 |
Average earning assets | $34,415,000 | 6,671 |
Average equity | $5,224,670 | 6,327 |
Average total loans | $27,496,670 | 6,176 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0247% | 1,804 |
Cost of funding earning assets | 1.0793% | 1,504 |
Net interest margin | 3.9454% | 2,744 |
Noninterest income to average assets | 0.7375% | 2,461 |
Noninterest expense to average assets | 3.9409% | 1,004 |
Loan and lease loss provision to assets | 0.3803% | 1,658 |
Net operating income to assets | 0.2074% | 5,961 |
Return on assets (ROA) | 0.2074% | 6,105 |
Pretax return on assets | 0.2074% | 6,184 |
Return on Equity (ROE) | 1.3727% | 6,267 |
Retained earnings to average equity (ytd only) | -0.6101% | 6,093 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 87.0229% | 1,374 |
Assets per employee ($millions) | 3.8374% | 4,346 |
Cash dividends to net income (ytd only)* | 144.4444% | 316 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4169% | 4,529 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 78.9704% | 488 |
Net loans and leases to deposits | 100.3495% | 357 |
Net loans and leases to core deposits | 118.4436% | 335 |
Total domestic deposits to total assets | 78.6953% | 6,149 |
Equity capital to assets | 15.1750% | 717 |
Core capital (leverage) ratio | 15.9694% | 467 |
Tier 1 risk-based capital ratio | 23.4182% | 1,077 |
Total risk-based capital ratio | 24.6738% | 1,060 |
Memoranda: | ||
Average total assets | $34,712,500 | 6,829 |
Average earning assets | $33,355,500 | 6,759 |
Average equity | $5,245,000 | 6,349 |
Average total loans | $26,666,000 | 6,270 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2286% | 1,950 |
Cost of funding earning assets | 1.3202% | 1,391 |
Net interest margin | 3.9084% | 3,300 |
Noninterest income to average assets | 2.5307% | 263 |
Noninterest expense to average assets | 4.2941% | 722 |
Loan and lease loss provision to assets | 0.3309% | 3,039 |
Net operating income to assets | 1.5839% | 688 |
Return on assets (ROA) | 1.5839% | 752 |
Pretax return on assets | 1.5839% | 1,244 |
Return on Equity (ROE) | 10.2538% | 1,972 |
Retained earnings to average equity (ytd only) | 5.4915% | 2,304 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.1610% | 4,117 |
Assets per employee ($millions) | 3.8764% | 4,144 |
Cash dividends to net income (ytd only)* | 46.4444% | 2,256 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3987% | 4,465 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
Noncurrent loans to loans | 0.0000% | 6,879 |
Net loans and leases to total assets | 72.5378% | 1,552 |
Net loans and leases to deposits | 95.7257% | 688 |
Net loans and leases to core deposits | 111.0200% | 586 |
Total domestic deposits to total assets | 75.7768% | 6,512 |
Equity capital to assets | 15.0453% | 772 |
Core capital (leverage) ratio | 17.8361% | 306 |
Tier 1 risk-based capital ratio | 14.6575% | 3,865 |
Total risk-based capital ratio | 15.6516% | 4,015 |
Memoranda: | ||
Average total assets | $28,411,000 | 7,012 |
Average earning assets | $26,737,400 | 6,966 |
Average equity | $4,388,600 | 6,632 |
Average total loans | $20,918,800 | 6,614 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3470% | 1,688 |
Cost of funding earning assets | 1.3912% | 1,270 |
Net interest margin | 3.9558% | 3,128 |
Noninterest income to average assets | 2.4186% | 277 |
Noninterest expense to average assets | 4.2948% | 718 |
Loan and lease loss provision to assets | 0.1244% | 4,873 |
Net operating income to assets | 1.7069% | 616 |
Return on assets (ROA) | 1.7069% | 673 |
Pretax return on assets | 1.7069% | 1,130 |
Return on Equity (ROE) | 10.9577% | 1,877 |
Retained earnings to average equity (ytd only) | 10.9577% | 638 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.1056% | 3,945 |
Assets per employee ($millions) | 3.0332% | 6,046 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3989% | 4,568 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 74.8745% | 1,167 |
Net loans and leases to deposits | 102.9204% | 354 |
Net loans and leases to core deposits | 124.0367% | 309 |
Total domestic deposits to total assets | 72.7499% | 6,875 |
Equity capital to assets | 19.6015% | 272 |
Core capital (leverage) ratio | 20.5330% | 196 |
Tier 1 risk-based capital ratio | 18.7097% | 2,026 |
Total risk-based capital ratio | 19.7304% | 2,061 |
Memoranda: | ||
Average total assets | $26,791,750 | 7,126 |
Average earning assets | $25,110,000 | 7,080 |
Average equity | $4,173,500 | 6,761 |
Average total loans | $19,732,000 | 6,739 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3955% | 1,579 |
Cost of funding earning assets | 1.4415% | 1,222 |
Net interest margin | 3.9540% | 3,072 |
Noninterest income to average assets | 2.6444% | 247 |
Noninterest expense to average assets | 4.4248% | 650 |
Loan and lease loss provision to assets | 0.1052% | 4,993 |
Net operating income to assets | 1.8030% | 503 |
Return on assets (ROA) | 1.8030% | 538 |
Pretax return on assets | 1.8030% | 878 |
Return on Equity (ROE) | 12.6951% | 1,278 |
Retained earnings to average equity (ytd only) | 12.6951% | 424 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.8695% | 4,143 |
Assets per employee ($millions) | 3.1635% | 5,718 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4307% | 4,438 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 75.9523% | 1,077 |
Net loans and leases to deposits | 99.5546% | 516 |
Net loans and leases to core deposits | 118.3766% | 462 |
Total domestic deposits to total assets | 76.2921% | 6,558 |
Equity capital to assets | 15.5445% | 694 |
Core capital (leverage) ratio | 14.9576% | 672 |
Tier 1 risk-based capital ratio | 15.1069% | 3,445 |
Total risk-based capital ratio | 16.1783% | 3,506 |
Memoranda: | ||
Average total assets | $26,622,670 | 7,196 |
Average earning assets | $24,835,670 | 7,152 |
Average equity | $3,781,000 | 6,907 |
Average total loans | $19,399,330 | 6,822 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1134% | 2,586 |
Cost of funding earning assets | 1.4362% | 1,449 |
Net interest margin | 3.6773% | 4,214 |
Noninterest income to average assets | 1.2023% | 881 |
Noninterest expense to average assets | 4.1496% | 869 |
Loan and lease loss provision to assets | 0.1613% | 4,014 |
Net operating income to assets | 0.3079% | 5,372 |
Return on assets (ROA) | 0.3079% | 5,444 |
Pretax return on assets | 0.3079% | 5,634 |
Return on Equity (ROE) | 2.2675% | 5,694 |
Retained earnings to average equity (ytd only) | 2.2675% | 4,792 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.8413% | 1,347 |
Assets per employee ($millions) | 3.5890% | 4,774 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3984% | 4,673 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 67.7800% | 2,598 |
Net loans and leases to deposits | 84.8936% | 1,900 |
Net loans and leases to core deposits | 103.2633% | 1,113 |
Total domestic deposits to total assets | 79.8412% | 5,982 |
Equity capital to assets | 12.9388% | 1,406 |
Core capital (leverage) ratio | 14.0305% | 844 |
Tier 1 risk-based capital ratio | 12.7196% | 5,039 |
Total risk-based capital ratio | 13.6645% | 5,322 |
Memoranda: | ||
Average total assets | $27,280,000 | 7,227 |
Average earning assets | $25,345,000 | 7,189 |
Average equity | $3,704,500 | 6,956 |
Average total loans | $19,348,500 | 6,876 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8413% | 1,173 |
Cost of funding earning assets | 1.6536% | 1,809 |
Net interest margin | 4.1877% | 2,233 |
Noninterest income to average assets | 1.1823% | 1,064 |
Noninterest expense to average assets | 4.5534% | 619 |
Loan and lease loss provision to assets | 0.3121% | 4,309 |
Net operating income to assets | 0.2681% | 5,040 |
Return on assets (ROA) | 0.2681% | 5,206 |
Pretax return on assets | 0.2681% | 5,317 |
Return on Equity (ROE) | 1.6560% | 5,510 |
Retained earnings to average equity (ytd only) | 1.6560% | 4,688 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.6986% | 1,423 |
Assets per employee ($millions) | 3.2310% | 5,591 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3977% | 4,518 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 72.3267% | 2,023 |
Net loans and leases to deposits | 93.1072% | 1,136 |
Net loans and leases to core deposits | 114.8059% | 685 |
Total domestic deposits to total assets | 77.6811% | 6,374 |
Equity capital to assets | 14.2912% | 955 |
Core capital (leverage) ratio | 14.5956% | 732 |
Tier 1 risk-based capital ratio | 14.0799% | 3,822 |
Total risk-based capital ratio | 15.0747% | 3,963 |
Memoranda: | ||
Average total assets | $22,752,400 | 7,404 |
Average earning assets | $21,467,800 | 7,364 |
Average equity | $3,683,600 | 7,087 |
Average total loans | $16,032,400 | 7,120 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7537% | 1,538 |
Cost of funding earning assets | 1.6522% | 2,092 |
Net interest margin | 4.1015% | 2,613 |
Noninterest income to average assets | 1.3892% | 706 |
Noninterest expense to average assets | 4.6347% | 513 |
Loan and lease loss provision to assets | 0.2548% | 4,543 |
Net operating income to assets | 0.3700% | 4,885 |
Return on assets (ROA) | 0.3700% | 5,069 |
Pretax return on assets | 0.3700% | 5,313 |
Return on Equity (ROE) | 2.2095% | 5,528 |
Retained earnings to average equity (ytd only) | 2.2095% | 4,846 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.1200% | 1,442 |
Assets per employee ($millions) | 4.1298% | 3,597 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3993% | 4,468 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 67.1133% | 3,432 |
Net loans and leases to deposits | 87.4251% | 2,094 |
Net loans and leases to core deposits | 112.8069% | 892 |
Total domestic deposits to total assets | 76.7666% | 6,539 |
Equity capital to assets | 14.9078% | 907 |
Core capital (leverage) ratio | 15.3323% | 656 |
Tier 1 risk-based capital ratio | 15.2714% | 3,115 |
Total risk-based capital ratio | 16.2471% | 3,239 |
Memoranda: | ||
Average total assets | $21,978,500 | 7,515 |
Average earning assets | $20,739,750 | 7,477 |
Average equity | $3,681,000 | 7,179 |
Average total loans | $15,300,500 | 7,243 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8261% | 1,358 |
Cost of funding earning assets | 1.5817% | 2,760 |
Net interest margin | 4.2445% | 1,986 |
Noninterest income to average assets | 1.9577% | 361 |
Noninterest expense to average assets | 4.9228% | 401 |
Loan and lease loss provision to assets | 0.2851% | 4,113 |
Net operating income to assets | 0.7793% | 3,070 |
Return on assets (ROA) | 0.7793% | 3,213 |
Pretax return on assets | 0.7793% | 3,955 |
Return on Equity (ROE) | 4.4606% | 4,560 |
Retained earnings to average equity (ytd only) | 4.4606% | 3,228 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.2222% | 2,133 |
Assets per employee ($millions) | 2.5974% | 6,953 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4546% | 4,154 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 64.9142% | 4,058 |
Net loans and leases to deposits | 86.1139% | 2,487 |
Net loans and leases to core deposits | 113.6960% | 930 |
Total domestic deposits to total assets | 75.3818% | 6,799 |
Equity capital to assets | 15.8917% | 688 |
Core capital (leverage) ratio | 17.3307% | 412 |
Tier 1 risk-based capital ratio | 27.2641% | 682 |
Total risk-based capital ratio | 28.5190% | 668 |
Memoranda: | ||
Average total assets | $21,045,000 | 7,598 |
Average earning assets | $19,979,000 | 7,555 |
Average equity | $3,676,670 | 7,219 |
Average total loans | $14,778,670 | 7,327 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8053% | 1,438 |
Cost of funding earning assets | 1.6347% | 2,743 |
Net interest margin | 4.1706% | 2,153 |
Noninterest income to average assets | 3.3000% | 194 |
Noninterest expense to average assets | 5.7548% | 244 |
Loan and lease loss provision to assets | 0.5634% | 2,249 |
Net operating income to assets | 0.9860% | 2,238 |
Return on assets (ROA) | 0.9860% | 2,298 |
Pretax return on assets | 0.9860% | 3,144 |
Return on Equity (ROE) | 5.3589% | 4,175 |
Retained earnings to average equity (ytd only) | 5.3589% | 2,954 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.7879% | 2,762 |
Assets per employee ($millions) | 2.8934% | 6,453 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4675% | 4,085 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | 0.0000% | 7,426 |
Net loans and leases to total assets | 73.5953% | 2,058 |
Net loans and leases to deposits | 90.4381% | 1,840 |
Net loans and leases to core deposits | 108.3127% | 1,397 |
Total domestic deposits to total assets | 81.3765% | 5,320 |
Equity capital to assets | 18.1791% | 406 |
Core capital (leverage) ratio | 18.5894% | 335 |
Tier 1 risk-based capital ratio | 27.7719% | 652 |
Total risk-based capital ratio | 29.0240% | 644 |
Memoranda: | ||
Average total assets | $19,879,000 | 7,726 |
Average earning assets | $19,086,000 | 7,678 |
Average equity | $3,657,500 | 7,300 |
Average total loans | $14,468,500 | 7,430 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4681% | 718 |
Cost of funding earning assets | 1.9247% | 3,333 |
Net interest margin | 4.5434% | 1,089 |
Noninterest income to average assets | 1.6411% | 537 |
Noninterest expense to average assets | 5.1184% | 479 |
Loan and lease loss provision to assets | 0.4418% | 4,178 |
Net operating income to assets | 0.4017% | 4,123 |
Return on assets (ROA) | 0.4017% | 4,226 |
Pretax return on assets | 0.4017% | 4,497 |
Return on Equity (ROE) | 1.9344% | 4,937 |
Retained earnings to average equity (ytd only) | 1.9344% | 3,744 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.8518% | 2,132 |
Assets per employee ($millions) | 2.4380% | 7,301 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4049% | 4,211 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 69.8062% | 3,303 |
Net loans and leases to deposits | 85.9804% | 2,914 |
Net loans and leases to core deposits | 120.9147% | 1,888 |
Total domestic deposits to total assets | 81.1885% | 5,271 |
Equity capital to assets | 18.6269% | 398 |
Core capital (leverage) ratio | 18.9357% | 340 |
Tier 1 risk-based capital ratio | 28.2768% | 620 |
Total risk-based capital ratio | 29.5299% | 606 |
Memoranda: | ||
Average total assets | $17,427,200 | 7,843 |
Average earning assets | $16,573,600 | 7,805 |
Average equity | $3,618,600 | 7,411 |
Average total loans | $12,133,400 | 7,595 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6040% | 610 |
Cost of funding earning assets | 1.9737% | 3,497 |
Net interest margin | 4.6302% | 940 |
Noninterest income to average assets | 2.0423% | 352 |
Noninterest expense to average assets | 5.2282% | 419 |
Loan and lease loss provision to assets | 0.6230% | 2,902 |
Net operating income to assets | 0.5756% | 3,704 |
Return on assets (ROA) | 0.5756% | 3,771 |
Pretax return on assets | 0.5756% | 4,279 |
Return on Equity (ROE) | 2.6924% | 4,920 |
Retained earnings to average equity (ytd only) | 2.6924% | 3,823 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.3497% | 2,669 |
Assets per employee ($millions) | 2.6967% | 6,857 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3960% | 3,971 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
Noncurrent loans to loans | 0.0000% | 7,541 |
Net loans and leases to total assets | 73.3379% | 2,702 |
Net loans and leases to deposits | 91.0550% | 2,385 |
Net loans and leases to core deposits | 130.1128% | 1,431 |
Total domestic deposits to total assets | 80.5425% | 5,229 |
Equity capital to assets | 19.2615% | 392 |
Core capital (leverage) ratio | 19.8180% | 321 |
Tier 1 risk-based capital ratio | 28.4931% | 655 |
Total risk-based capital ratio | 29.7469% | 636 |
Memoranda: | ||
Average total assets | $16,908,000 | 7,937 |
Average earning assets | $16,010,250 | 7,895 |
Average equity | $3,615,000 | 7,476 |
Average total loans | $11,714,500 | 7,688 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6696% | 574 |
Cost of funding earning assets | 2.0310% | 3,619 |
Net interest margin | 4.6386% | 890 |
Noninterest income to average assets | 3.0274% | 212 |
Noninterest expense to average assets | 5.6363% | 361 |
Loan and lease loss provision to assets | 0.8368% | 2,001 |
Net operating income to assets | 0.9107% | 2,415 |
Return on assets (ROA) | 0.9107% | 2,513 |
Pretax return on assets | 0.9107% | 3,302 |
Return on Equity (ROE) | 4.1020% | 4,454 |
Retained earnings to average equity (ytd only) | 4.1020% | 3,012 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.3333% | 3,631 |
Assets per employee ($millions) | 2.5819% | 7,092 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3958% | 3,743 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 72.3123% | 3,135 |
Net loans and leases to deposits | 90.8516% | 2,683 |
Net loans and leases to core deposits | 125.8571% | 1,888 |
Total domestic deposits to total assets | 79.5939% | 5,595 |
Equity capital to assets | 20.1239% | 376 |
Core capital (leverage) ratio | 21.3001% | 304 |
Tier 1 risk-based capital ratio | 28.3941% | 692 |
Total risk-based capital ratio | 29.6432% | 683 |
Memoranda: | ||
Average total assets | $16,251,670 | 8,038 |
Average earning assets | $15,263,330 | 8,001 |
Average equity | $3,608,000 | 7,538 |
Average total loans | $10,939,330 | 7,819 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0408% | 2,195 |
Cost of funding earning assets | 2.0136% | 4,066 |
Net interest margin | 4.0272% | 2,547 |
Noninterest income to average assets | 5.1366% | 127 |
Noninterest expense to average assets | 6.2056% | 271 |
Loan and lease loss provision to assets | 1.0430% | 1,253 |
Net operating income to assets | 1.5905% | 796 |
Return on assets (ROA) | 1.5905% | 875 |
Pretax return on assets | 1.5905% | 1,434 |
Return on Equity (ROE) | 6.7900% | 3,676 |
Retained earnings to average equity (ytd only) | 6.7900% | 2,292 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.2065% | 4,528 |
Assets per employee ($millions) | 3.1564% | 5,721 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4024% | 3,488 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,590 |
Net loans and leases to total assets | 69.9404% | 3,683 |
Net loans and leases to deposits | 91.1704% | 2,748 |
Net loans and leases to core deposits | 118.3573% | 2,563 |
Total domestic deposits to total assets | 76.7140% | 6,357 |
Equity capital to assets | 22.9629% | 277 |
Core capital (leverage) ratio | 25.1789% | 226 |
Tier 1 risk-based capital ratio | 32.7578% | 500 |
Total risk-based capital ratio | 34.0143% | 492 |
Memoranda: | ||
Average total assets | $15,341,000 | 8,108 |
Average earning assets | $14,104,000 | 8,085 |
Average equity | $3,593,500 | 7,592 |
Average total loans | $9,782,000 | 7,920 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6076% | 2,448 |
Cost of funding earning assets | 2.1227% | 5,959 |
Net interest margin | 4.4848% | 1,463 |
Noninterest income to average assets | 2.5294% | 250 |
Noninterest expense to average assets | 8.3958% | 203 |
Loan and lease loss provision to assets | 0.9437% | 1,568 |
Net operating income to assets | -2.6170% | 7,736 |
Return on assets (ROA) | -2.6170% | 7,708 |
Pretax return on assets | -2.6170% | 7,621 |
Return on Equity (ROE) | -7.3050% | 7,071 |
Retained earnings to average equity (ytd only) | -7.3050% | 6,811 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 124.8915% | 516 |
Assets per employee ($millions) | 2.4833% | 7,229 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3980% | 3,210 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 55.3826% | 6,506 |
Net loans and leases to deposits | 73.1690% | 5,932 |
Net loans and leases to core deposits | 97.6452% | 5,081 |
Total domestic deposits to total assets | 75.6913% | 6,306 |
Equity capital to assets | 23.9128% | 289 |
Core capital (leverage) ratio | 25.8319% | 246 |
Tier 1 risk-based capital ratio | 39.8546% | 343 |
Total risk-based capital ratio | 41.1074% | 335 |
Memoranda: | ||
Average total assets | $10,279,000 | 8,243 |
Average earning assets | $9,610,200 | 8,224 |
Average equity | $3,682,400 | 7,616 |
Average total loans | $5,525,600 | 8,141 |