Home > Capital Bank and Trust Company > Performance and Condition Ratios
Capital Bank and Trust Company, 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 | 2.6603% | 4,552 |
Cost of funding earning assets | 0.0000% | 4,519 |
Net interest margin | 2.6603% | 3,883 |
Noninterest income to average assets | 157.2200% | 13 |
Noninterest expense to average assets | 102.2868% | 18 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 44.0392% | 6 |
Return on assets (ROA) | 43.9599% | 6 |
Pretax return on assets | 56.7001% | 5 |
Return on Equity (ROE) | 66.8500% | 28 |
Retained earnings to average equity (ytd only) | 19.9672% | 133 |
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 | 64.2960% | 2,571 |
Assets per employee ($millions) | 0.8258% | 4,498 |
Cash dividends to net income (ytd only)* | 70.1297% | 838 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,458 |
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 | 0.0000% | 4,475 |
Net loans and leases to deposits | 0.0000% | 4,474 |
Net loans and leases to core deposits | 0.0000% | 4,493 |
Total domestic deposits to total assets | 0.3300% | 4,540 |
Equity capital to assets | 60.1980% | 123 |
Core capital (leverage) ratio | 58.3534% | 78 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 156.5689% | 51 |
Memoranda: | ||
Average total assets | $139,479,400 | 3,466 |
Average earning assets | $98,110,800 | 3,762 |
Average equity | $91,725,600 | 1,012 |
Average total loans | $0 | 4,477 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5076% | 4,576 |
Cost of funding earning assets | 0.0000% | 4,547 |
Net interest margin | 2.5076% | 4,134 |
Noninterest income to average assets | 153.7000% | 14 |
Noninterest expense to average assets | 100.4737% | 17 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 42.6315% | 6 |
Return on assets (ROA) | 42.5058% | 6 |
Pretax return on assets | 54.8233% | 6 |
Return on Equity (ROE) | 63.1600% | 51 |
Retained earnings to average equity (ytd only) | 63.1566% | 22 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 64.6315% | 2,428 |
Assets per employee ($millions) | 0.7931% | 4,527 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,482 |
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 | 0.0000% | 4,500 |
Net loans and leases to deposits | 0.0000% | 4,499 |
Net loans and leases to core deposits | 0.0000% | 4,490 |
Total domestic deposits to total assets | 0.3400% | 4,573 |
Equity capital to assets | 77.5479% | 109 |
Core capital (leverage) ratio | 80.7468% | 58 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 210.8507% | 44 |
Memoranda: | ||
Average total assets | $136,571,000 | 3,497 |
Average earning assets | $95,653,500 | 3,804 |
Average equity | $91,915,250 | 1,008 |
Average total loans | $0 | 4,502 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5252% | 4,609 |
Cost of funding earning assets | 0.0000% | 4,571 |
Net interest margin | 2.5252% | 4,183 |
Noninterest income to average assets | 150.2900% | 14 |
Noninterest expense to average assets | 99.0773% | 16 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 41.0678% | 9 |
Return on assets (ROA) | 40.9148% | 9 |
Pretax return on assets | 52.7731% | 8 |
Return on Equity (ROE) | 64.3900% | 41 |
Retained earnings to average equity (ytd only) | 64.3921% | 23 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 65.1635% | 2,351 |
Assets per employee ($millions) | 0.6479% | 4,572 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,517 |
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 | 0.0000% | 4,533 |
Net loans and leases to deposits | 0.0000% | 4,532 |
Net loans and leases to core deposits | 0.0000% | 4,550 |
Total domestic deposits to total assets | 0.3600% | 4,594 |
Equity capital to assets | 71.3988% | 112 |
Core capital (leverage) ratio | 71.0545% | 65 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 197.3239% | 40 |
Memoranda: | ||
Average total assets | $133,189,000 | 3,535 |
Average earning assets | $92,427,000 | 3,845 |
Average equity | $84,628,333 | 1,073 |
Average total loans | $0 | 4,533 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4353% | 4,640 |
Cost of funding earning assets | 0.0000% | 4,615 |
Net interest margin | 2.4353% | 4,360 |
Noninterest income to average assets | 148.5000% | 15 |
Noninterest expense to average assets | 96.5245% | 19 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 41.5976% | 10 |
Return on assets (ROA) | 41.4265% | 10 |
Pretax return on assets | 53.4291% | 8 |
Return on Equity (ROE) | 69.7100% | 42 |
Retained earnings to average equity (ytd only) | 69.7143% | 24 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 64.2767% | 2,423 |
Assets per employee ($millions) | 0.6212% | 4,633 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,580 |
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 | 0.0000% | 4,605 |
Net loans and leases to deposits | 0.0000% | 4,604 |
Net loans and leases to core deposits | 0.0000% | 4,587 |
Total domestic deposits to total assets | 0.3700% | 4,637 |
Equity capital to assets | 63.0933% | 70 |
Core capital (leverage) ratio | 63.4010% | 69 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 156.0610% | 44 |
Memoranda: | ||
Average total assets | $131,104,500 | 3,604 |
Average earning assets | $89,681,000 | 3,920 |
Average equity | $77,906,500 | 1,154 |
Average total loans | $0 | 4,605 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3006% | 4,566 |
Cost of funding earning assets | 0.0000% | 4,648 |
Net interest margin | 2.3006% | 4,430 |
Noninterest income to average assets | 137.3500% | 16 |
Noninterest expense to average assets | 102.7283% | 17 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 28.1333% | 17 |
Return on assets (ROA) | 27.7120% | 17 |
Pretax return on assets | 35.7071% | 18 |
Return on Equity (ROE) | 44.3300% | 42 |
Retained earnings to average equity (ytd only) | 5.6754% | 2,760 |
Net charge-offs to loans | 0.0000% | 2,620 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 73.9219% | 1,225 |
Assets per employee ($millions) | 0.5818% | 4,671 |
Cash dividends to net income (ytd only)* | 87.1966% | 332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,606 |
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 | 0.0000% | 4,635 |
Net loans and leases to deposits | 0.0000% | 4,634 |
Net loans and leases to core deposits | 0.0000% | 4,617 |
Total domestic deposits to total assets | 0.3900% | 4,669 |
Equity capital to assets | 55.5401% | 79 |
Core capital (leverage) ratio | 57.2516% | 80 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 141.1179% | 51 |
Memoranda: | ||
Average total assets | $124,151,800 | 3,693 |
Average earning assets | $87,282,000 | 3,957 |
Average equity | $77,616,000 | 1,158 |
Average total loans | $0 | 4,639 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2638% | 4,547 |
Cost of funding earning assets | 0.0000% | 4,686 |
Net interest margin | 2.2638% | 4,431 |
Noninterest income to average assets | 135.0800% | 17 |
Noninterest expense to average assets | 103.4043% | 16 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 25.8549% | 17 |
Return on assets (ROA) | 25.3681% | 18 |
Pretax return on assets | 32.6650% | 18 |
Return on Equity (ROE) | 39.4400% | 46 |
Retained earnings to average equity (ytd only) | 39.4413% | 17 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 75.6513% | 1,104 |
Assets per employee ($millions) | 0.5428% | 4,711 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,653 |
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 | 0.0000% | 4,679 |
Net loans and leases to deposits | 0.0000% | 4,678 |
Net loans and leases to core deposits | 0.0000% | 4,661 |
Total domestic deposits to total assets | 0.4400% | 4,710 |
Equity capital to assets | 78.8373% | 62 |
Core capital (leverage) ratio | 73.6777% | 68 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 211.5300% | 41 |
Memoranda: | ||
Average total assets | $123,338,000 | 3,726 |
Average earning assets | $87,286,250 | 3,980 |
Average equity | $79,329,500 | 1,153 |
Average total loans | $0 | 4,681 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1614% | 4,580 |
Cost of funding earning assets | 0.0000% | 4,753 |
Net interest margin | 2.1614% | 4,478 |
Noninterest income to average assets | 130.4575% | 7 |
Noninterest expense to average assets | 102.7186% | 6 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 22.7694% | 11 |
Return on assets (ROA) | 22.2350% | 13 |
Pretax return on assets | 28.5921% | 13 |
Return on Equity (ROE) | 37.0518% | 34 |
Retained earnings to average equity (ytd only) | 37.0518% | 17 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.8246% | 1,096 |
Assets per employee ($millions) | 0.6104% | 4,749 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,740 |
Net loans and leases to deposits | 0.0000% | 4,740 |
Net loans and leases to core deposits | 0.0000% | 4,730 |
Total domestic deposits to total assets | 0.4180% | 4,775 |
Equity capital to assets | 68.4093% | 32 |
Core capital (leverage) ratio | 63.3004% | 37 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 176.2369% | 17 |
Memoranda: | ||
Average total assets | $126,818,333 | 3,731 |
Average earning assets | $89,754,667 | 4,009 |
Average equity | $76,104,333 | 1,215 |
Average total loans | NA | NA |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1574% | 4,550 |
Cost of funding earning assets | 0.0000% | 4,770 |
Net interest margin | 2.1574% | 4,393 |
Noninterest income to average assets | 128.2515% | 10 |
Noninterest expense to average assets | 100.5517% | 6 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 22.6576% | 12 |
Return on assets (ROA) | 22.0930% | 12 |
Pretax return on assets | 28.5249% | 14 |
Return on Equity (ROE) | 39.3405% | 29 |
Retained earnings to average equity (ytd only) | 39.3405% | 16 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.4719% | 1,359 |
Assets per employee ($millions) | 0.6672% | 4,772 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,768 |
Net loans and leases to deposits | 0.0000% | 4,768 |
Net loans and leases to core deposits | 0.0000% | 4,758 |
Total domestic deposits to total assets | 0.3863% | 4,800 |
Equity capital to assets | 58.6453% | 32 |
Core capital (leverage) ratio | 56.3284% | 32 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 153.0738% | 21 |
Memoranda: | ||
Average total assets | $130,412,500 | 3,713 |
Average earning assets | $93,074,500 | 3,994 |
Average equity | $73,237,500 | 1,282 |
Average total loans | NA | NA |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0270% | 4,676 |
Cost of funding earning assets | 0.0000% | 4,821 |
Net interest margin | 2.0270% | 4,584 |
Noninterest income to average assets | 133.9947% | 8 |
Noninterest expense to average assets | 101.0255% | 6 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 26.7136% | 12 |
Return on assets (ROA) | 25.9704% | 12 |
Pretax return on assets | 33.4582% | 12 |
Return on Equity (ROE) | 40.1039% | 30 |
Retained earnings to average equity (ytd only) | -41.1572% | 4,827 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.5991% | 1,241 |
Assets per employee ($millions) | 0.6916% | 4,814 |
Cash dividends to net income (ytd only)* | 202.6265% | 39 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,813 |
Net loans and leases to deposits | 0.0000% | 4,812 |
Net loans and leases to core deposits | 0.0000% | 4,801 |
Total domestic deposits to total assets | 0.3805% | 4,843 |
Equity capital to assets | 53.7086% | 31 |
Core capital (leverage) ratio | 33.2599% | 53 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 145.0819% | 20 |
Memoranda: | ||
Average total assets | $201,433,400 | 3,057 |
Average earning assets | $142,078,800 | 3,455 |
Average equity | $130,443,800 | 796 |
Average total loans | NA | NA |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9116% | 4,780 |
Cost of funding earning assets | 0.0000% | 4,892 |
Net interest margin | 1.9116% | 4,712 |
Noninterest income to average assets | 136.4597% | 7 |
Noninterest expense to average assets | 103.2415% | 6 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 26.8456% | 10 |
Return on assets (ROA) | 26.0999% | 11 |
Pretax return on assets | 33.6177% | 11 |
Return on Equity (ROE) | 39.2979% | 38 |
Retained earnings to average equity (ytd only) | 39.2979% | 12 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.9196% | 1,136 |
Assets per employee ($millions) | 1.1500% | 4,876 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,885 |
Net loans and leases to deposits | 0.0000% | 4,885 |
Net loans and leases to core deposits | 0.0000% | 4,874 |
Total domestic deposits to total assets | 0.2456% | 4,920 |
Equity capital to assets | 82.6814% | 19 |
Core capital (leverage) ratio | 74.1338% | 24 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 261.6982% | 16 |
Memoranda: | ||
Average total assets | $218,942,750 | 2,944 |
Average earning assets | $153,863,250 | 3,369 |
Average equity | $145,412,000 | 752 |
Average total loans | NA | NA |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9069% | 4,821 |
Cost of funding earning assets | 0.0000% | 4,930 |
Net interest margin | 1.9069% | 4,750 |
Noninterest income to average assets | 161.6427% | 5 |
Noninterest expense to average assets | 123.8787% | 4 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 30.3328% | 9 |
Return on assets (ROA) | 29.6453% | 9 |
Pretax return on assets | 38.1737% | 9 |
Return on Equity (ROE) | 48.2113% | 27 |
Retained earnings to average equity (ytd only) | 48.2113% | 8 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.0353% | 1,080 |
Assets per employee ($millions) | 0.6815% | 4,924 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,922 |
Net loans and leases to deposits | 0.0000% | 4,922 |
Net loans and leases to core deposits | 0.0000% | 4,911 |
Total domestic deposits to total assets | 0.2139% | 4,957 |
Equity capital to assets | 66.2942% | 31 |
Core capital (leverage) ratio | 67.7402% | 26 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 152.1817% | 20 |
Memoranda: | ||
Average total assets | $224,075,667 | 2,908 |
Average earning assets | $150,403,667 | 3,411 |
Average equity | $137,785,000 | 772 |
Average total loans | NA | NA |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.8950% | 4,858 |
Cost of funding earning assets | 0.0000% | 4,958 |
Net interest margin | 1.8950% | 4,773 |
Noninterest income to average assets | 158.1065% | 5 |
Noninterest expense to average assets | 123.6977% | 5 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 27.6280% | 10 |
Return on assets (ROA) | 27.0687% | 10 |
Pretax return on assets | 34.9817% | 10 |
Return on Equity (ROE) | 45.9342% | 39 |
Retained earnings to average equity (ytd only) | 45.9342% | 20 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.6082% | 985 |
Assets per employee ($millions) | 0.6665% | 4,952 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,950 |
Net loans and leases to deposits | 0.0000% | 4,950 |
Net loans and leases to core deposits | 0.0000% | 4,939 |
Total domestic deposits to total assets | 0.2200% | 4,985 |
Equity capital to assets | 60.1477% | 31 |
Core capital (leverage) ratio | 62.2707% | 27 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 142.4276% | 25 |
Memoranda: | ||
Average total assets | $219,234,500 | 2,934 |
Average earning assets | $148,177,500 | 3,438 |
Average equity | $129,193,500 | 804 |
Average total loans | NA | NA |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3405% | 4,871 |
Cost of funding earning assets | 0.0000% | 4,991 |
Net interest margin | 2.3405% | 4,696 |
Noninterest income to average assets | 149.6581% | 6 |
Noninterest expense to average assets | 117.5643% | 5 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 26.0652% | 9 |
Return on assets (ROA) | 25.7092% | 9 |
Pretax return on assets | 33.1861% | 9 |
Return on Equity (ROE) | 41.4900% | 27 |
Retained earnings to average equity (ytd only) | 10.2548% | 543 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.7536% | 1,054 |
Assets per employee ($millions) | 0.6323% | 4,979 |
Cash dividends to net income (ytd only)* | 75.2838% | 784 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 4,974 |
Net loans and leases to deposits | 0.0000% | 4,974 |
Net loans and leases to core deposits | 0.0000% | 4,963 |
Total domestic deposits to total assets | 0.2367% | 5,007 |
Equity capital to assets | 57.6183% | 30 |
Core capital (leverage) ratio | 58.8251% | 29 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 140.5486% | 21 |
Memoranda: | ||
Average total assets | $201,500,000 | 2,928 |
Average earning assets | $132,835,200 | 3,473 |
Average equity | $124,859,000 | 791 |
Average total loans | NA | NA |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4359% | 4,913 |
Cost of funding earning assets | 0.0000% | 5,023 |
Net interest margin | 2.4359% | 4,702 |
Noninterest income to average assets | 147.7246% | 6 |
Noninterest expense to average assets | 118.0349% | 5 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 24.2506% | 9 |
Return on assets (ROA) | 23.9681% | 9 |
Pretax return on assets | 30.9254% | 10 |
Return on Equity (ROE) | 37.9738% | 36 |
Retained earnings to average equity (ytd only) | 37.9738% | 21 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0494% | 937 |
Assets per employee ($millions) | 0.6172% | 5,010 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,006 |
Net loans and leases to deposits | 0.0000% | 5,006 |
Net loans and leases to core deposits | 0.0000% | 4,995 |
Total domestic deposits to total assets | 0.2462% | 5,038 |
Equity capital to assets | 71.2312% | 25 |
Core capital (leverage) ratio | 72.0756% | 22 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 174.4917% | 20 |
Memoranda: | ||
Average total assets | $199,076,250 | 2,930 |
Average earning assets | $130,214,750 | 3,497 |
Average equity | $125,652,000 | 780 |
Average total loans | NA | NA |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5823% | 4,949 |
Cost of funding earning assets | 0.0000% | 5,057 |
Net interest margin | 2.5823% | 4,672 |
Noninterest income to average assets | 147.3962% | 6 |
Noninterest expense to average assets | 119.8295% | 5 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 22.6877% | 8 |
Return on assets (ROA) | 22.4975% | 9 |
Pretax return on assets | 29.0019% | 9 |
Return on Equity (ROE) | 37.2845% | 38 |
Retained earnings to average equity (ytd only) | 37.2845% | 19 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.3836% | 866 |
Assets per employee ($millions) | 0.5881% | 5,043 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,039 |
Net loans and leases to deposits | 0.0000% | 5,039 |
Net loans and leases to core deposits | 0.0000% | 5,027 |
Total domestic deposits to total assets | 0.2561% | 5,072 |
Equity capital to assets | 66.9934% | 27 |
Core capital (leverage) ratio | 62.6109% | 30 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 164.0392% | 19 |
Memoranda: | ||
Average total assets | $197,746,000 | 2,921 |
Average earning assets | $128,333,333 | 3,494 |
Average equity | $119,320,333 | 811 |
Average total loans | NA | NA |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6644% | 5,023 |
Cost of funding earning assets | 0.0000% | 5,101 |
Net interest margin | 2.6644% | 4,694 |
Noninterest income to average assets | 153.3501% | 6 |
Noninterest expense to average assets | 125.2627% | 4 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 22.4279% | 10 |
Return on assets (ROA) | 22.4088% | 10 |
Pretax return on assets | 29.7820% | 10 |
Return on Equity (ROE) | 39.2613% | 22 |
Retained earnings to average equity (ytd only) | 39.2613% | 10 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.7788% | 1,061 |
Assets per employee ($millions) | 0.6063% | 5,088 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,086 |
Net loans and leases to deposits | 0.0000% | 5,086 |
Net loans and leases to core deposits | 0.0000% | 5,074 |
Total domestic deposits to total assets | 0.2454% | 5,121 |
Equity capital to assets | 58.7781% | 36 |
Core capital (leverage) ratio | 59.4704% | 31 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 141.5099% | 27 |
Memoranda: | ||
Average total assets | $198,993,000 | 2,881 |
Average earning assets | $128,360,000 | 3,466 |
Average equity | $113,577,500 | 846 |
Average total loans | NA | NA |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6412% | 5,111 |
Cost of funding earning assets | 0.0000% | 5,167 |
Net interest margin | 2.6412% | 4,874 |
Noninterest income to average assets | 136.9859% | 8 |
Noninterest expense to average assets | 108.3522% | 9 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 23.3626% | 10 |
Return on assets (ROA) | 23.1121% | 11 |
Pretax return on assets | 30.0620% | 10 |
Return on Equity (ROE) | 37.4896% | 24 |
Retained earnings to average equity (ytd only) | 1.4088% | 4,240 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.1022% | 1,142 |
Assets per employee ($millions) | 0.5834% | 5,147 |
Cash dividends to net income (ytd only)* | 96.2421% | 387 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,149 |
Net loans and leases to deposits | 0.0000% | 5,149 |
Net loans and leases to core deposits | 0.0000% | 5,138 |
Total domestic deposits to total assets | 0.2574% | 5,183 |
Equity capital to assets | 55.2915% | 36 |
Core capital (leverage) ratio | 51.1259% | 38 |
Tier 1 risk-based capital ratio | 136.6505% | 33 |
Total risk-based capital ratio | 136.6505% | 33 |
Memoranda: | ||
Average total assets | $193,314,000 | 2,894 |
Average earning assets | $127,745,800 | 3,464 |
Average equity | $119,177,000 | 767 |
Average total loans | NA | NA |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6352% | 5,201 |
Cost of funding earning assets | 0.0000% | 5,247 |
Net interest margin | 2.6352% | 4,979 |
Noninterest income to average assets | 133.3942% | 9 |
Noninterest expense to average assets | 104.4865% | 9 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 23.6250% | 10 |
Return on assets (ROA) | 23.3970% | 11 |
Pretax return on assets | 30.3717% | 11 |
Return on Equity (ROE) | 36.9920% | 23 |
Retained earnings to average equity (ytd only) | 36.9920% | 7 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.3133% | 1,176 |
Assets per employee ($millions) | 0.6329% | 5,228 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,226 |
Net loans and leases to deposits | 0.0000% | 5,226 |
Net loans and leases to core deposits | 0.0000% | 5,215 |
Total domestic deposits to total assets | 0.2438% | 5,263 |
Equity capital to assets | 67.9435% | 32 |
Core capital (leverage) ratio | 73.8985% | 29 |
Tier 1 risk-based capital ratio | 165.4896% | 29 |
Total risk-based capital ratio | 165.4896% | 29 |
Memoranda: | ||
Average total assets | $193,074,000 | 2,916 |
Average earning assets | $128,413,500 | 3,482 |
Average equity | $122,117,000 | 743 |
Average total loans | NA | NA |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.4219% | 40 |
Cost of funding earning assets | 0.0000% | 5,294 |
Net interest margin | 8.4219% | 25 |
Noninterest income to average assets | 130.2784% | 9 |
Noninterest expense to average assets | 103.6420% | 9 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 24.9855% | 9 |
Return on assets (ROA) | 24.7557% | 10 |
Pretax return on assets | 32.0458% | 10 |
Return on Equity (ROE) | 40.2194% | 19 |
Retained earnings to average equity (ytd only) | 40.2194% | 7 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.2193% | 1,363 |
Assets per employee ($millions) | 0.6069% | 5,275 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,274 |
Net loans and leases to deposits | 0.0000% | 5,274 |
Net loans and leases to core deposits | 0.0000% | 5,263 |
Total domestic deposits to total assets | 0.2632% | 5,310 |
Equity capital to assets | 67.7048% | 30 |
Core capital (leverage) ratio | 68.2326% | 31 |
Tier 1 risk-based capital ratio | 186.9753% | 26 |
Total risk-based capital ratio | 186.9753% | 26 |
Memoranda: | ||
Average total assets | $189,079,670 | 2,965 |
Average earning assets | $127,976,000 | 3,508 |
Average equity | $116,381,670 | 771 |
Average total loans | NA | NA |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 8.6973% | 39 |
Cost of funding earning assets | 0.0000% | 5,351 |
Net interest margin | 8.6973% | 26 |
Noninterest income to average assets | 131.0723% | 8 |
Noninterest expense to average assets | 101.9677% | 8 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 26.8083% | 7 |
Return on assets (ROA) | 26.5855% | 7 |
Pretax return on assets | 34.7109% | 7 |
Return on Equity (ROE) | 45.4813% | 21 |
Retained earnings to average equity (ytd only) | 45.4813% | 9 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.4504% | 1,689 |
Assets per employee ($millions) | 0.6118% | 5,330 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,335 |
Net loans and leases to deposits | 0.0000% | 5,334 |
Net loans and leases to core deposits | 0.0000% | 5,323 |
Total domestic deposits to total assets | 0.2586% | 5,368 |
Equity capital to assets | 60.4771% | 33 |
Core capital (leverage) ratio | 61.9395% | 31 |
Tier 1 risk-based capital ratio | 173.8996% | 27 |
Total risk-based capital ratio | 173.8996% | 27 |
Memoranda: | ||
Average total assets | $188,644,000 | 3,006 |
Average earning assets | $127,718,000 | 3,549 |
Average equity | $110,269,500 | 814 |
Average total loans | NA | NA |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8313% | 225 |
Cost of funding earning assets | 0.0000% | 5,396 |
Net interest margin | 5.8313% | 75 |
Noninterest income to average assets | 135.5928% | 8 |
Noninterest expense to average assets | 105.3497% | 8 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 24.6488% | 8 |
Return on assets (ROA) | 24.4109% | 8 |
Pretax return on assets | 33.7292% | 8 |
Return on Equity (ROE) | 40.7053% | 13 |
Retained earnings to average equity (ytd only) | 9.2083% | 802 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.5845% | 1,420 |
Assets per employee ($millions) | 0.5609% | 5,375 |
Cash dividends to net income (ytd only)* | 77.3782% | 788 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,379 |
Net loans and leases to deposits | 0.0000% | 5,379 |
Net loans and leases to core deposits | 0.0000% | 5,367 |
Total domestic deposits to total assets | 0.2718% | 5,410 |
Equity capital to assets | 56.3276% | 35 |
Core capital (leverage) ratio | 57.1087% | 33 |
Tier 1 risk-based capital ratio | 159.4484% | 31 |
Total risk-based capital ratio | 159.4484% | 31 |
Memoranda: | ||
Average total assets | $180,001,400 | 3,055 |
Average earning assets | $116,904,200 | 3,704 |
Average equity | $107,946,600 | 791 |
Average total loans | NA | NA |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2256% | 599 |
Cost of funding earning assets | 0.0000% | 5,467 |
Net interest margin | 5.2256% | 174 |
Noninterest income to average assets | 137.2785% | 8 |
Noninterest expense to average assets | 106.2946% | 8 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 24.4313% | 8 |
Return on assets (ROA) | 24.1889% | 8 |
Pretax return on assets | 34.0489% | 7 |
Return on Equity (ROE) | 39.7153% | 17 |
Retained earnings to average equity (ytd only) | 39.7153% | 4 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.5736% | 1,402 |
Assets per employee ($millions) | 0.5988% | 5,445 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,450 |
Net loans and leases to deposits | 0.0000% | 5,450 |
Net loans and leases to core deposits | 0.0000% | 5,439 |
Total domestic deposits to total assets | 0.2793% | 5,482 |
Equity capital to assets | 70.0961% | 30 |
Core capital (leverage) ratio | 72.5785% | 29 |
Tier 1 risk-based capital ratio | 191.5032% | 28 |
Total risk-based capital ratio | 191.5032% | 28 |
Memoranda: | ||
Average total assets | $179,008,750 | 3,086 |
Average earning assets | $115,505,750 | 3,761 |
Average equity | $109,026,500 | 785 |
Average total loans | NA | NA |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5881% | 1,813 |
Cost of funding earning assets | 0.0000% | 5,529 |
Net interest margin | 4.5881% | 565 |
Noninterest income to average assets | 136.0907% | 8 |
Noninterest expense to average assets | 106.9798% | 8 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 21.7621% | 10 |
Return on assets (ROA) | 21.5220% | 10 |
Pretax return on assets | 31.7768% | 8 |
Return on Equity (ROE) | 37.2086% | 21 |
Retained earnings to average equity (ytd only) | 37.2086% | 7 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.9304% | 1,324 |
Assets per employee ($millions) | 0.5928% | 5,510 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,515 |
Net loans and leases to deposits | 0.0000% | 5,515 |
Net loans and leases to core deposits | 0.0000% | 5,504 |
Total domestic deposits to total assets | 0.2859% | 5,548 |
Equity capital to assets | 64.3952% | 36 |
Core capital (leverage) ratio | 61.6742% | 33 |
Tier 1 risk-based capital ratio | 174.5047% | 30 |
Total risk-based capital ratio | 174.5047% | 30 |
Memoranda: | ||
Average total assets | $178,998,330 | 3,106 |
Average earning assets | $115,864,330 | 3,777 |
Average equity | $103,535,330 | 824 |
Average total loans | NA | NA |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4441% | 2,039 |
Cost of funding earning assets | 0.0000% | 5,593 |
Net interest margin | 4.4441% | 693 |
Noninterest income to average assets | 134.4011% | 8 |
Noninterest expense to average assets | 104.9132% | 8 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 22.1288% | 9 |
Return on assets (ROA) | 21.8862% | 10 |
Pretax return on assets | 32.0815% | 8 |
Return on Equity (ROE) | 40.0283% | 19 |
Retained earnings to average equity (ytd only) | 40.0283% | 7 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.4107% | 1,536 |
Assets per employee ($millions) | 0.6188% | 5,572 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,578 |
Net loans and leases to deposits | 0.0000% | 5,578 |
Net loans and leases to core deposits | 0.0000% | 5,567 |
Total domestic deposits to total assets | 0.2730% | 5,611 |
Equity capital to assets | 56.4968% | 37 |
Core capital (leverage) ratio | 57.5707% | 34 |
Tier 1 risk-based capital ratio | 157.4611% | 30 |
Total risk-based capital ratio | 157.4611% | 30 |
Memoranda: | ||
Average total assets | $181,064,000 | 3,118 |
Average earning assets | $118,179,000 | 3,776 |
Average equity | $99,000,000 | 857 |
Average total loans | NA | NA |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2495% | 5,136 |
Cost of funding earning assets | 0.0000% | 5,660 |
Net interest margin | 3.2495% | 4,307 |
Noninterest income to average assets | 138.8553% | 6 |
Noninterest expense to average assets | 107.0440% | 7 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 21.5460% | 7 |
Return on assets (ROA) | 21.2943% | 7 |
Pretax return on assets | 33.4905% | 7 |
Return on Equity (ROE) | 35.5748% | 21 |
Retained earnings to average equity (ytd only) | 8.1518% | 710 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.9566% | 1,624 |
Assets per employee ($millions) | 0.5773% | 5,638 |
Cash dividends to net income (ytd only)* | 77.0856% | 939 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,643 |
Net loans and leases to deposits | 0.0000% | 5,643 |
Net loans and leases to core deposits | 0.0000% | 5,632 |
Total domestic deposits to total assets | 0.2794% | 5,676 |
Equity capital to assets | 52.8139% | 36 |
Core capital (leverage) ratio | 55.2692% | 32 |
Tier 1 risk-based capital ratio | 152.7344% | 27 |
Total risk-based capital ratio | 152.7344% | 27 |
Memoranda: | ||
Average total assets | $164,485,600 | 3,298 |
Average earning assets | $104,907,800 | 4,005 |
Average equity | $98,457,200 | 840 |
Average total loans | NA | NA |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1656% | 5,275 |
Cost of funding earning assets | 0.0000% | 5,725 |
Net interest margin | 3.1656% | 4,548 |
Noninterest income to average assets | 138.2492% | 7 |
Noninterest expense to average assets | 107.1804% | 8 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 21.3034% | 8 |
Return on assets (ROA) | 21.0477% | 8 |
Pretax return on assets | 32.6718% | 8 |
Return on Equity (ROE) | 34.0486% | 22 |
Retained earnings to average equity (ytd only) | 34.0486% | 10 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.4200% | 1,527 |
Assets per employee ($millions) | 0.5272% | 5,704 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,709 |
Net loans and leases to deposits | 0.0000% | 5,709 |
Net loans and leases to core deposits | 0.0000% | 5,698 |
Total domestic deposits to total assets | 0.3120% | 5,740 |
Equity capital to assets | 70.0966% | 30 |
Core capital (leverage) ratio | 70.3226% | 31 |
Tier 1 risk-based capital ratio | 178.6926% | 27 |
Total risk-based capital ratio | 178.6926% | 27 |
Memoranda: | ||
Average total assets | $160,868,750 | 3,365 |
Average earning assets | $101,758,250 | 4,108 |
Average equity | $99,443,500 | 832 |
Average total loans | NA | NA |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0768% | 5,368 |
Cost of funding earning assets | 0.0000% | 5,773 |
Net interest margin | 3.0768% | 4,736 |
Noninterest income to average assets | 136.3820% | 7 |
Noninterest expense to average assets | 105.7642% | 7 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 21.3640% | 8 |
Return on assets (ROA) | 21.0927% | 8 |
Pretax return on assets | 32.1687% | 8 |
Return on Equity (ROE) | 35.7079% | 23 |
Retained earnings to average equity (ytd only) | 35.7079% | 13 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.4502% | 1,648 |
Assets per employee ($millions) | 0.4982% | 5,757 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,758 |
Net loans and leases to deposits | 0.0000% | 5,758 |
Net loans and leases to core deposits | 0.0000% | 5,747 |
Total domestic deposits to total assets | 0.3126% | 5,794 |
Equity capital to assets | 64.9170% | 34 |
Core capital (leverage) ratio | 61.0384% | 34 |
Tier 1 risk-based capital ratio | 163.5591% | 27 |
Total risk-based capital ratio | 163.5591% | 27 |
Memoranda: | ||
Average total assets | $161,069,670 | 3,386 |
Average earning assets | $102,704,000 | 4,121 |
Average equity | $95,144,330 | 865 |
Average total loans | NA | NA |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9301% | 5,521 |
Cost of funding earning assets | 0.0000% | 5,834 |
Net interest margin | 2.9301% | 5,026 |
Noninterest income to average assets | 122.7021% | 8 |
Noninterest expense to average assets | 91.3405% | 10 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 20.3271% | 8 |
Return on assets (ROA) | 20.0721% | 8 |
Pretax return on assets | 32.8737% | 8 |
Return on Equity (ROE) | 35.7297% | 27 |
Retained earnings to average equity (ytd only) | 35.7297% | 18 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.2996% | 2,357 |
Assets per employee ($millions) | 0.5089% | 5,824 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,827 |
Net loans and leases to deposits | 0.0000% | 5,825 |
Net loans and leases to core deposits | 0.0000% | 5,814 |
Total domestic deposits to total assets | 0.3080% | 5,859 |
Equity capital to assets | 58.4618% | 38 |
Core capital (leverage) ratio | 57.2527% | 36 |
Tier 1 risk-based capital ratio | 163.1655% | 29 |
Total risk-based capital ratio | 163.1655% | 29 |
Memoranda: | ||
Average total assets | $161,637,000 | 3,407 |
Average earning assets | $105,387,500 | 4,095 |
Average equity | $90,804,000 | 902 |
Average total loans | NA | NA |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2176% | 5,822 |
Cost of funding earning assets | 0.0000% | 5,897 |
Net interest margin | 2.2176% | 5,742 |
Noninterest income to average assets | 143.3330% | 6 |
Noninterest expense to average assets | 117.4370% | 7 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 16.7558% | 10 |
Return on assets (ROA) | 17.1616% | 10 |
Pretax return on assets | 27.9764% | 9 |
Return on Equity (ROE) | 29.4058% | 42 |
Retained earnings to average equity (ytd only) | 13.1912% | 156 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.1145% | 1,290 |
Assets per employee ($millions) | 0.5061% | 5,883 |
Cash dividends to net income (ytd only)* | 55.1408% | 2,034 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,884 |
Net loans and leases to deposits | 0.0000% | 5,883 |
Net loans and leases to core deposits | 0.0000% | 5,872 |
Total domestic deposits to total assets | 0.3107% | 5,918 |
Equity capital to assets | 53.8738% | 37 |
Core capital (leverage) ratio | 57.9908% | 35 |
Tier 1 risk-based capital ratio | 151.9875% | 29 |
Total risk-based capital ratio | 151.9875% | 29 |
Memoranda: | ||
Average total assets | $137,376,600 | 3,713 |
Average earning assets | $89,601,200 | 4,394 |
Average equity | $80,174,600 | 986 |
Average total loans | NA | NA |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2777% | 5,876 |
Cost of funding earning assets | 0.0000% | 5,963 |
Net interest margin | 2.2777% | 5,788 |
Noninterest income to average assets | 149.3516% | 5 |
Noninterest expense to average assets | 125.2574% | 5 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 15.6366% | 10 |
Return on assets (ROA) | 16.3187% | 10 |
Pretax return on assets | 26.6415% | 10 |
Return on Equity (ROE) | 27.3188% | 59 |
Retained earnings to average equity (ytd only) | 27.3188% | 21 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.0437% | 1,069 |
Assets per employee ($millions) | 0.4007% | 5,953 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 5,950 |
Net loans and leases to deposits | 0.0000% | 5,950 |
Net loans and leases to core deposits | 0.0000% | 5,939 |
Total domestic deposits to total assets | 0.3670% | 5,985 |
Equity capital to assets | 68.2104% | 31 |
Core capital (leverage) ratio | 65.5178% | 31 |
Tier 1 risk-based capital ratio | 164.5599% | 28 |
Total risk-based capital ratio | 164.5599% | 28 |
Memoranda: | ||
Average total assets | $131,486,000 | 3,827 |
Average earning assets | $85,524,500 | 4,520 |
Average equity | $78,542,250 | 1,018 |
Average total loans | NA | NA |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2401% | 5,965 |
Cost of funding earning assets | 0.0000% | 6,040 |
Net interest margin | 2.2401% | 5,884 |
Noninterest income to average assets | 150.0362% | 5 |
Noninterest expense to average assets | 128.3255% | 4 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 14.1296% | 10 |
Return on assets (ROA) | 15.3534% | 11 |
Pretax return on assets | 25.1256% | 10 |
Return on Equity (ROE) | 27.0445% | 67 |
Retained earnings to average equity (ytd only) | 27.0445% | 25 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.6816% | 992 |
Assets per employee ($millions) | 0.3930% | 6,033 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,029 |
Net loans and leases to deposits | 0.0000% | 6,029 |
Net loans and leases to core deposits | 0.0000% | 6,018 |
Total domestic deposits to total assets | 0.3544% | 6,063 |
Equity capital to assets | 61.6507% | 33 |
Core capital (leverage) ratio | 59.9831% | 35 |
Tier 1 risk-based capital ratio | 153.3229% | 31 |
Total risk-based capital ratio | 153.3229% | 31 |
Memoranda: | ||
Average total assets | $129,899,330 | 3,890 |
Average earning assets | $87,138,000 | 4,521 |
Average equity | $73,745,000 | 1,082 |
Average total loans | NA | NA |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1874% | 6,036 |
Cost of funding earning assets | 0.0000% | 6,095 |
Net interest margin | 2.1874% | 5,970 |
Noninterest income to average assets | 154.9363% | 5 |
Noninterest expense to average assets | 133.3505% | 4 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 13.7599% | 12 |
Return on assets (ROA) | 16.6205% | 11 |
Pretax return on assets | 27.6001% | 10 |
Return on Equity (ROE) | 30.7779% | 43 |
Retained earnings to average equity (ytd only) | 30.7779% | 25 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.2184% | 1,045 |
Assets per employee ($millions) | 0.3929% | 6,095 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,091 |
Net loans and leases to deposits | 0.0000% | 6,091 |
Net loans and leases to core deposits | 0.0000% | 6,080 |
Total domestic deposits to total assets | 0.3467% | 6,127 |
Equity capital to assets | 56.7040% | 36 |
Core capital (leverage) ratio | 62.7825% | 30 |
Tier 1 risk-based capital ratio | 150.2663% | 30 |
Total risk-based capital ratio | 150.2663% | 30 |
Memoranda: | ||
Average total assets | $124,304,000 | 4,001 |
Average earning assets | $87,777,000 | 4,550 |
Average equity | $67,126,000 | 1,169 |
Average total loans | NA | NA |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1859% | 6,076 |
Cost of funding earning assets | 0.0000% | 6,168 |
Net interest margin | 2.1859% | 5,989 |
Noninterest income to average assets | 90.1715% | 15 |
Noninterest expense to average assets | 63.1752% | 14 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 17.5122% | 11 |
Return on assets (ROA) | 17.5422% | 11 |
Pretax return on assets | 28.6309% | 10 |
Return on Equity (ROE) | 35.0219% | 39 |
Retained earnings to average equity (ytd only) | 35.0219% | 20 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.8488% | 3,431 |
Assets per employee ($millions) | 0.4481% | 6,152 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,149 |
Net loans and leases to deposits | 0.0000% | 6,149 |
Net loans and leases to core deposits | 0.0000% | 6,137 |
Total domestic deposits to total assets | 0.4789% | 6,185 |
Equity capital to assets | 50.2691% | 40 |
Core capital (leverage) ratio | 66.4058% | 29 |
Tier 1 risk-based capital ratio | 168.9053% | 28 |
Total risk-based capital ratio | 169.8287% | 28 |
Memoranda: | ||
Average total assets | $89,812,200 | 4,680 |
Average earning assets | $65,235,600 | 5,057 |
Average equity | $44,986,200 | 1,639 |
Average total loans | NA | NA |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5104% | 6,088 |
Cost of funding earning assets | 0.0000% | 6,253 |
Net interest margin | 2.5104% | 5,904 |
Noninterest income to average assets | 93.2816% | 13 |
Noninterest expense to average assets | 65.5874% | 13 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 18.0188% | 10 |
Return on assets (ROA) | 18.0971% | 10 |
Pretax return on assets | 29.5820% | 10 |
Return on Equity (ROE) | 36.1691% | 32 |
Retained earnings to average equity (ytd only) | 36.1691% | 16 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.0051% | 3,374 |
Assets per employee ($millions) | 0.3152% | 6,249 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,236 |
Net loans and leases to deposits | 0.0000% | 6,236 |
Net loans and leases to core deposits | 0.0000% | 6,224 |
Total domestic deposits to total assets | 0.6958% | 6,270 |
Equity capital to assets | 67.7702% | 35 |
Core capital (leverage) ratio | 65.2542% | 32 |
Tier 1 risk-based capital ratio | 181.2572% | 32 |
Total risk-based capital ratio | 182.4815% | 32 |
Memoranda: | ||
Average total assets | $86,162,750 | 4,803 |
Average earning assets | $60,599,500 | 5,231 |
Average equity | $43,111,250 | 1,712 |
Average total loans | NA | NA |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5592% | 6,133 |
Cost of funding earning assets | 0.0000% | 6,327 |
Net interest margin | 2.5592% | 5,917 |
Noninterest income to average assets | 107.4553% | 12 |
Noninterest expense to average assets | 86.8651% | 9 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 13.9372% | 15 |
Return on assets (ROA) | 13.8230% | 15 |
Pretax return on assets | 22.3318% | 13 |
Return on Equity (ROE) | 27.6635% | 83 |
Retained earnings to average equity (ytd only) | 27.6635% | 37 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.4193% | 1,848 |
Assets per employee ($millions) | 0.3531% | 6,325 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,313 |
Net loans and leases to deposits | 0.0000% | 6,313 |
Net loans and leases to core deposits | 0.0000% | 6,300 |
Total domestic deposits to total assets | 0.6437% | 6,347 |
Equity capital to assets | 57.8291% | 38 |
Core capital (leverage) ratio | 50.2773% | 40 |
Tier 1 risk-based capital ratio | 159.8643% | 31 |
Total risk-based capital ratio | 161.2246% | 31 |
Memoranda: | ||
Average total assets | $85,205,670 | 4,873 |
Average earning assets | $63,926,330 | 5,200 |
Average equity | $42,576,000 | 1,735 |
Average total loans | NA | NA |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1924% | 6,308 |
Cost of funding earning assets | 0.0000% | 6,393 |
Net interest margin | 2.1924% | 6,214 |
Noninterest income to average assets | 75.2143% | 19 |
Noninterest expense to average assets | 45.5871% | 24 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 19.0729% | 9 |
Return on assets (ROA) | 18.9722% | 9 |
Pretax return on assets | 31.1422% | 9 |
Return on Equity (ROE) | 40.7675% | 34 |
Retained earnings to average equity (ytd only) | 40.7675% | 16 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.2913% | 5,182 |
Assets per employee ($millions) | 0.3946% | 6,394 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,384 |
Net loans and leases to deposits | 0.0000% | 6,384 |
Net loans and leases to core deposits | 0.0000% | 6,371 |
Total domestic deposits to total assets | 0.5734% | 6,420 |
Equity capital to assets | 49.9117% | 42 |
Core capital (leverage) ratio | 48.7253% | 41 |
Tier 1 risk-based capital ratio | 154.1691% | 37 |
Total risk-based capital ratio | 155.9632% | 36 |
Memoranda: | ||
Average total assets | $88,972,500 | 4,834 |
Average earning assets | $67,869,500 | 5,146 |
Average equity | $41,405,500 | 1,778 |
Average total loans | NA | NA |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3346% | 6,369 |
Cost of funding earning assets | 0.0000% | 6,493 |
Net interest margin | 2.3346% | 6,255 |
Noninterest income to average assets | 89.4610% | 15 |
Noninterest expense to average assets | 55.8166% | 17 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 21.6769% | 10 |
Return on assets (ROA) | 21.6264% | 10 |
Pretax return on assets | 35.2949% | 10 |
Return on Equity (ROE) | 45.6427% | 18 |
Retained earnings to average equity (ytd only) | 10.8086% | 397 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.2088% | 5,039 |
Assets per employee ($millions) | 0.3963% | 6,482 |
Cash dividends to net income (ytd only)* | 76.3192% | 1,034 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,475 |
Net loans and leases to deposits | 0.0000% | 6,475 |
Net loans and leases to core deposits | 0.0000% | 6,462 |
Total domestic deposits to total assets | 0.5510% | 6,510 |
Equity capital to assets | 43.2948% | 45 |
Core capital (leverage) ratio | 42.7766% | 47 |
Tier 1 risk-based capital ratio | 141.6329% | 34 |
Total risk-based capital ratio | 143.4993% | 34 |
Memoranda: | ||
Average total assets | $84,822,400 | 4,946 |
Average earning assets | $62,837,000 | 5,314 |
Average equity | $40,190,400 | 1,774 |
Average total loans | NA | NA |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4088% | 6,434 |
Cost of funding earning assets | 0.0000% | 6,574 |
Net interest margin | 2.4088% | 6,291 |
Noninterest income to average assets | 92.4934% | 14 |
Noninterest expense to average assets | 61.2111% | 13 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 20.2991% | 10 |
Return on assets (ROA) | 20.2469% | 10 |
Pretax return on assets | 32.9636% | 10 |
Return on Equity (ROE) | 41.7511% | 26 |
Retained earnings to average equity (ytd only) | 41.7511% | 13 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.9411% | 4,381 |
Assets per employee ($millions) | 0.3244% | 6,565 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,554 |
Net loans and leases to deposits | 0.0000% | 6,554 |
Net loans and leases to core deposits | 0.0000% | 6,541 |
Total domestic deposits to total assets | 0.7202% | 6,588 |
Equity capital to assets | 68.4009% | 35 |
Core capital (leverage) ratio | 68.6664% | 34 |
Tier 1 risk-based capital ratio | 183.6812% | 29 |
Total risk-based capital ratio | 185.2616% | 29 |
Memoranda: | ||
Average total assets | $83,342,250 | 5,032 |
Average earning assets | $60,996,500 | 5,428 |
Average equity | $40,416,250 | 1,774 |
Average total loans | NA | NA |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3018% | 6,529 |
Cost of funding earning assets | 0.0000% | 6,634 |
Net interest margin | 2.3018% | 6,405 |
Noninterest income to average assets | 89.4284% | 14 |
Noninterest expense to average assets | 65.2482% | 13 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 16.0023% | 11 |
Return on assets (ROA) | 15.9557% | 11 |
Pretax return on assets | 25.8056% | 11 |
Return on Equity (ROE) | 36.8848% | 36 |
Retained earnings to average equity (ytd only) | 36.8848% | 22 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.6018% | 3,413 |
Assets per employee ($millions) | 0.3852% | 6,630 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,622 |
Net loans and leases to deposits | 0.0000% | 6,622 |
Net loans and leases to core deposits | 0.0000% | 6,609 |
Total domestic deposits to total assets | 0.6760% | 6,655 |
Equity capital to assets | 56.6266% | 37 |
Core capital (leverage) ratio | 56.4769% | 37 |
Tier 1 risk-based capital ratio | 147.1242% | 33 |
Total risk-based capital ratio | 148.6905% | 33 |
Memoranda: | ||
Average total assets | $87,981,000 | 4,975 |
Average earning assets | $64,905,000 | 5,354 |
Average equity | $38,059,000 | 1,853 |
Average total loans | NA | NA |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0905% | 6,638 |
Cost of funding earning assets | 0.0000% | 6,699 |
Net interest margin | 2.0905% | 6,564 |
Noninterest income to average assets | 81.0304% | 17 |
Noninterest expense to average assets | 58.0726% | 19 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 14.9064% | 13 |
Return on assets (ROA) | 14.8687% | 13 |
Pretax return on assets | 24.4738% | 12 |
Return on Equity (ROE) | 39.0727% | 34 |
Retained earnings to average equity (ytd only) | 39.0727% | 20 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.3013% | 3,781 |
Assets per employee ($millions) | 0.4336% | 6,697 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,692 |
Net loans and leases to deposits | 0.0000% | 6,692 |
Net loans and leases to core deposits | 0.0000% | 6,679 |
Total domestic deposits to total assets | 0.5824% | 6,727 |
Equity capital to assets | 44.3783% | 45 |
Core capital (leverage) ratio | 43.9883% | 44 |
Tier 1 risk-based capital ratio | 128.5849% | 41 |
Total risk-based capital ratio | 129.5571% | 41 |
Memoranda: | ||
Average total assets | $94,991,500 | 4,841 |
Average earning assets | $71,562,500 | 5,241 |
Average equity | $36,148,000 | 1,932 |
Average total loans | NA | NA |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7483% | 6,522 |
Cost of funding earning assets | 0.0000% | 6,798 |
Net interest margin | 2.7483% | 6,068 |
Noninterest income to average assets | 89.3823% | 16 |
Noninterest expense to average assets | 65.2009% | 16 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 16.0030% | 14 |
Return on assets (ROA) | 17.1843% | 12 |
Pretax return on assets | 28.0385% | 12 |
Return on Equity (ROE) | 38.6595% | 30 |
Retained earnings to average equity (ytd only) | 1.9359% | 4,857 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.3407% | 3,600 |
Assets per employee ($millions) | 0.5104% | 6,771 |
Cash dividends to net income (ytd only)* | 94.9925% | 534 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,772 |
Net loans and leases to deposits | 0.0000% | 6,772 |
Net loans and leases to core deposits | 0.0000% | 6,760 |
Total domestic deposits to total assets | 0.4802% | 6,810 |
Equity capital to assets | 32.8394% | 60 |
Core capital (leverage) ratio | 32.5510% | 59 |
Tier 1 risk-based capital ratio | 106.9346% | 47 |
Total risk-based capital ratio | 107.4505% | 47 |
Memoranda: | ||
Average total assets | $85,764,200 | 5,090 |
Average earning assets | $62,765,600 | 5,513 |
Average equity | $38,122,600 | 1,822 |
Average total loans | NA | NA |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2040% | 6,190 |
Cost of funding earning assets | 0.0000% | 6,877 |
Net interest margin | 3.2040% | 4,988 |
Noninterest income to average assets | 91.5977% | 15 |
Noninterest expense to average assets | 67.7661% | 13 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 15.9930% | 13 |
Return on assets (ROA) | 17.6655% | 10 |
Pretax return on assets | 28.7395% | 10 |
Return on Equity (ROE) | 36.6701% | 40 |
Retained earnings to average equity (ytd only) | 36.6701% | 18 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.1743% | 3,373 |
Assets per employee ($millions) | 0.3354% | 6,865 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,855 |
Net loans and leases to deposits | 0.0000% | 6,854 |
Net loans and leases to core deposits | 0.0000% | 6,842 |
Total domestic deposits to total assets | 0.7166% | 6,886 |
Equity capital to assets | 63.6310% | 37 |
Core capital (leverage) ratio | 63.9408% | 34 |
Tier 1 risk-based capital ratio | 150.2164% | 36 |
Total risk-based capital ratio | 151.1512% | 36 |
Memoranda: | ||
Average total assets | $81,173,250 | 5,255 |
Average earning assets | $58,133,750 | 5,711 |
Average equity | $39,104,500 | 1,803 |
Average total loans | NA | NA |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3196% | 6,059 |
Cost of funding earning assets | 0.0000% | 6,924 |
Net interest margin | 3.3196% | 4,488 |
Noninterest income to average assets | 84.4917% | 16 |
Noninterest expense to average assets | 64.1584% | 14 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 14.0337% | 12 |
Return on assets (ROA) | 15.6424% | 12 |
Pretax return on assets | 25.2642% | 11 |
Return on Equity (ROE) | 35.5966% | 42 |
Retained earnings to average equity (ytd only) | 35.5966% | 20 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.8226% | 3,165 |
Assets per employee ($millions) | 0.3753% | 6,910 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,904 |
Net loans and leases to deposits | 0.0000% | 6,904 |
Net loans and leases to core deposits | 0.0000% | 6,892 |
Total domestic deposits to total assets | 0.6499% | 6,939 |
Equity capital to assets | 52.8087% | 38 |
Core capital (leverage) ratio | 52.7519% | 38 |
Tier 1 risk-based capital ratio | 135.8395% | 36 |
Total risk-based capital ratio | 136.5727% | 35 |
Memoranda: | ||
Average total assets | $84,974,000 | 5,195 |
Average earning assets | $61,874,330 | 5,634 |
Average equity | $37,340,670 | 1,872 |
Average total loans | NA | NA |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4846% | 5,744 |
Cost of funding earning assets | 0.0000% | 6,994 |
Net interest margin | 3.4846% | 3,768 |
Noninterest income to average assets | 79.7069% | 17 |
Noninterest expense to average assets | 57.9744% | 18 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 14.5640% | 10 |
Return on assets (ROA) | 17.6737% | 8 |
Pretax return on assets | 29.1760% | 9 |
Return on Equity (ROE) | 44.0616% | 34 |
Retained earnings to average equity (ytd only) | 44.0616% | 21 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.4501% | 3,898 |
Assets per employee ($millions) | 0.3871% | 6,985 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 6,982 |
Net loans and leases to deposits | 0.0000% | 6,982 |
Net loans and leases to core deposits | 0.0000% | 6,969 |
Total domestic deposits to total assets | 0.5844% | 7,016 |
Equity capital to assets | 43.4726% | 42 |
Core capital (leverage) ratio | 44.5832% | 39 |
Tier 1 risk-based capital ratio | 120.2724% | 41 |
Total risk-based capital ratio | 121.9894% | 41 |
Memoranda: | ||
Average total assets | $88,991,000 | 5,126 |
Average earning assets | $66,005,500 | 5,545 |
Average equity | $35,695,500 | 1,976 |
Average total loans | NA | NA |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1037% | 6,726 |
Cost of funding earning assets | 0.3875% | 5,998 |
Net interest margin | 2.7163% | 6,493 |
Noninterest income to average assets | 47.1824% | 24 |
Noninterest expense to average assets | 32.5679% | 24 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 10.1470% | 22 |
Return on assets (ROA) | 10.5482% | 20 |
Pretax return on assets | 17.5030% | 18 |
Return on Equity (ROE) | 25.5904% | 115 |
Retained earnings to average equity (ytd only) | -44.0569% | 7,001 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.8681% | 4,527 |
Assets per employee ($millions) | 0.3984% | 7,049 |
Cash dividends to net income (ytd only)* | 272.1617% | 80 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,047 |
Net loans and leases to deposits | 0.0000% | 7,047 |
Net loans and leases to core deposits | 0.0000% | 7,034 |
Total domestic deposits to total assets | 0.5410% | 7,080 |
Equity capital to assets | 37.0000% | 47 |
Core capital (leverage) ratio | 37.3867% | 45 |
Tier 1 risk-based capital ratio | 120.6351% | 44 |
Total risk-based capital ratio | 122.7496% | 44 |
Memoranda: | ||
Average total assets | $146,300,400 | 3,840 |
Average earning assets | $121,820,800 | 4,070 |
Average equity | $60,303,800 | 1,185 |
Average total loans | NA | NA |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7852% | 6,974 |
Cost of funding earning assets | 0.3652% | 6,299 |
Net interest margin | 2.4200% | 6,880 |
Noninterest income to average assets | 42.1298% | 24 |
Noninterest expense to average assets | 29.9016% | 23 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 8.5843% | 24 |
Return on assets (ROA) | 8.4487% | 24 |
Pretax return on assets | 14.0566% | 21 |
Return on Equity (ROE) | 20.1979% | 321 |
Retained earnings to average equity (ytd only) | 20.1979% | 82 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.6963% | 4,130 |
Assets per employee ($millions) | 0.6665% | 7,135 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,148 |
Net loans and leases to deposits | 0.0000% | 7,147 |
Net loans and leases to core deposits | 0.0000% | 7,135 |
Total domestic deposits to total assets | 33.9747% | 7,135 |
Equity capital to assets | 48.7083% | 39 |
Core capital (leverage) ratio | 49.1816% | 38 |
Tier 1 risk-based capital ratio | 218.7605% | 31 |
Total risk-based capital ratio | 221.0956% | 29 |
Memoranda: | ||
Average total assets | $159,768,750 | 3,663 |
Average earning assets | $134,706,750 | 3,855 |
Average equity | $66,830,250 | 1,055 |
Average total loans | NA | NA |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8203% | 7,039 |
Cost of funding earning assets | 0.3651% | 6,448 |
Net interest margin | 2.4552% | 6,926 |
Noninterest income to average assets | 40.9840% | 25 |
Noninterest expense to average assets | 29.5636% | 24 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 8.0794% | 24 |
Return on assets (ROA) | 7.9338% | 24 |
Pretax return on assets | 13.2580% | 21 |
Return on Equity (ROE) | 19.9619% | 362 |
Retained earnings to average equity (ytd only) | 19.9619% | 106 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.6740% | 4,005 |
Assets per employee ($millions) | 0.7366% | 7,194 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,209 |
Net loans and leases to deposits | 0.0000% | 7,209 |
Net loans and leases to core deposits | 0.0000% | 7,197 |
Total domestic deposits to total assets | 32.3397% | 7,202 |
Equity capital to assets | 43.9045% | 40 |
Core capital (leverage) ratio | 44.1491% | 38 |
Tier 1 risk-based capital ratio | 204.3206% | 26 |
Total risk-based capital ratio | 206.4639% | 26 |
Memoranda: | ||
Average total assets | $163,478,330 | 3,605 |
Average earning assets | $137,503,670 | 3,820 |
Average equity | $64,973,670 | 1,085 |
Average total loans | NA | NA |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7483% | 7,131 |
Cost of funding earning assets | 0.3570% | 6,611 |
Net interest margin | 2.3913% | 7,017 |
Noninterest income to average assets | 39.8205% | 24 |
Noninterest expense to average assets | 27.1700% | 25 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 8.9315% | 25 |
Return on assets (ROA) | 8.7998% | 25 |
Pretax return on assets | 14.4645% | 21 |
Return on Equity (ROE) | 23.2792% | 233 |
Retained earnings to average equity (ytd only) | 23.2792% | 117 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.9374% | 4,752 |
Assets per employee ($millions) | 0.7000% | 7,261 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,271 |
Net loans and leases to deposits | 0.0000% | 7,271 |
Net loans and leases to core deposits | 0.0000% | 7,258 |
Total domestic deposits to total assets | 31.2313% | 7,268 |
Equity capital to assets | 40.2419% | 39 |
Core capital (leverage) ratio | 39.5126% | 39 |
Tier 1 risk-based capital ratio | 205.3607% | 22 |
Total risk-based capital ratio | 207.5710% | 22 |
Memoranda: | ||
Average total assets | $167,140,000 | 3,566 |
Average earning assets | $141,178,000 | 3,790 |
Average equity | $63,181,000 | 1,119 |
Average total loans | NA | NA |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4011% | 7,051 |
Cost of funding earning assets | 0.1910% | 7,246 |
Net interest margin | 3.2101% | 6,062 |
Noninterest income to average assets | 90.9358% | 14 |
Noninterest expense to average assets | 78.8690% | 13 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 9.0049% | 21 |
Return on assets (ROA) | 8.9290% | 23 |
Pretax return on assets | 14.5191% | 19 |
Return on Equity (ROE) | 16.3504% | 558 |
Retained earnings to average equity (ytd only) | -27.2959% | 7,061 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.3459% | 1,726 |
Assets per employee ($millions) | 0.4199% | 7,321 |
Cash dividends to net income (ytd only)* | 266.9435% | 49 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,320 |
Net loans and leases to deposits | 0.0000% | 7,320 |
Net loans and leases to core deposits | 0.0000% | 7,305 |
Total domestic deposits to total assets | 29.2613% | 7,316 |
Equity capital to assets | 35.5145% | 48 |
Core capital (leverage) ratio | 34.7581% | 48 |
Tier 1 risk-based capital ratio | 160.1359% | 36 |
Total risk-based capital ratio | 162.1099% | 34 |
Memoranda: | ||
Average total assets | $151,035,200 | 3,780 |
Average earning assets | $120,962,600 | 4,114 |
Average equity | $82,481,200 | 811 |
Average total loans | NA | NA |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2885% | 7,182 |
Cost of funding earning assets | 0.1203% | 7,376 |
Net interest margin | 3.1683% | 6,241 |
Noninterest income to average assets | 93.8557% | 14 |
Noninterest expense to average assets | 80.6462% | 13 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 9.7020% | 20 |
Return on assets (ROA) | 9.6376% | 22 |
Pretax return on assets | 15.6171% | 18 |
Return on Equity (ROE) | 15.9914% | 687 |
Retained earnings to average equity (ytd only) | 15.9914% | 180 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.6891% | 1,761 |
Assets per employee ($millions) | 0.4293% | 7,402 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,401 |
Net loans and leases to deposits | 0.0000% | 7,400 |
Net loans and leases to core deposits | 0.0000% | 7,385 |
Total domestic deposits to total assets | 29.2603% | 7,390 |
Equity capital to assets | 54.5029% | 42 |
Core capital (leverage) ratio | 54.6755% | 37 |
Tier 1 risk-based capital ratio | 258.7691% | 22 |
Total risk-based capital ratio | 261.0097% | 21 |
Memoranda: | ||
Average total assets | $145,648,250 | 3,898 |
Average earning assets | $115,307,000 | 4,273 |
Average equity | $87,778,500 | 772 |
Average total loans | NA | NA |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4824% | 7,169 |
Cost of funding earning assets | 0.0000% | 7,493 |
Net interest margin | 3.4824% | 5,236 |
Noninterest income to average assets | 99.8273% | 11 |
Noninterest expense to average assets | 85.0426% | 13 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 10.8561% | 17 |
Return on assets (ROA) | 10.7897% | 19 |
Pretax return on assets | 17.3779% | 16 |
Return on Equity (ROE) | 17.2100% | 533 |
Retained earnings to average equity (ytd only) | 17.2100% | 158 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.9487% | 1,963 |
Assets per employee ($millions) | 0.3237% | 7,484 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,475 |
Net loans and leases to deposits | 0.0000% | 7,474 |
Net loans and leases to core deposits | 0.0000% | 7,460 |
Total domestic deposits to total assets | 0.3842% | 7,514 |
Equity capital to assets | 68.9526% | 37 |
Core capital (leverage) ratio | 69.0147% | 34 |
Tier 1 risk-based capital ratio | 241.6491% | 25 |
Total risk-based capital ratio | 243.2572% | 25 |
Memoranda: | ||
Average total assets | $136,668,000 | 4,094 |
Average earning assets | $105,847,670 | 4,568 |
Average equity | $85,682,670 | 787 |
Average total loans | NA | NA |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4692% | 7,224 |
Cost of funding earning assets | 0.0000% | 7,555 |
Net interest margin | 3.4692% | 5,149 |
Noninterest income to average assets | 98.1613% | 11 |
Noninterest expense to average assets | 81.7968% | 13 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 11.7741% | 17 |
Return on assets (ROA) | 11.6881% | 17 |
Pretax return on assets | 18.9199% | 13 |
Return on Equity (ROE) | 19.5506% | 361 |
Retained earnings to average equity (ytd only) | 19.5506% | 177 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.1065% | 2,353 |
Assets per employee ($millions) | 0.3343% | 7,542 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,537 |
Net loans and leases to deposits | 0.0000% | 7,537 |
Net loans and leases to core deposits | 0.0000% | 7,521 |
Total domestic deposits to total assets | 0.3631% | 7,576 |
Equity capital to assets | 62.1777% | 37 |
Core capital (leverage) ratio | 62.3791% | 34 |
Tier 1 risk-based capital ratio | 221.7982% | 27 |
Total risk-based capital ratio | 222.8904% | 27 |
Memoranda: | ||
Average total assets | $139,937,000 | 4,066 |
Average earning assets | $108,497,500 | 4,514 |
Average equity | $83,660,000 | 795 |
Average total loans | NA | NA |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2759% | 7,450 |
Cost of funding earning assets | 0.0000% | 7,641 |
Net interest margin | 3.2759% | 6,053 |
Noninterest income to average assets | 100.6425% | 12 |
Noninterest expense to average assets | 81.0468% | 14 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 13.4867% | 9 |
Return on assets (ROA) | 13.3567% | 10 |
Pretax return on assets | 21.8178% | 9 |
Return on Equity (ROE) | 20.1262% | 245 |
Retained earnings to average equity (ytd only) | -10.2743% | 6,673 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.6345% | 2,589 |
Assets per employee ($millions) | 0.3345% | 7,624 |
Cash dividends to net income (ytd only)* | 151.0495% | 178 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,616 |
Net loans and leases to deposits | 0.0000% | 7,616 |
Net loans and leases to core deposits | 0.0000% | 7,598 |
Total domestic deposits to total assets | 0.3517% | 7,656 |
Equity capital to assets | 57.4652% | 45 |
Core capital (leverage) ratio | 57.5194% | 41 |
Tier 1 risk-based capital ratio | 211.8534% | 33 |
Total risk-based capital ratio | 212.9952% | 33 |
Memoranda: | ||
Average total assets | $143,740,400 | 3,989 |
Average earning assets | $106,415,000 | 4,550 |
Average equity | $95,393,000 | 706 |
Average total loans | NA | NA |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3515% | 7,571 |
Cost of funding earning assets | 0.0000% | 7,745 |
Net interest margin | 3.3515% | 5,842 |
Noninterest income to average assets | 99.9838% | 13 |
Noninterest expense to average assets | 80.3343% | 14 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 13.5118% | 9 |
Return on assets (ROA) | 13.3833% | 10 |
Pretax return on assets | 21.8983% | 9 |
Return on Equity (ROE) | 19.5209% | 336 |
Retained earnings to average equity (ytd only) | 19.5209% | 89 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.4260% | 2,565 |
Assets per employee ($millions) | 0.3180% | 7,729 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,720 |
Net loans and leases to deposits | 0.0000% | 7,720 |
Net loans and leases to core deposits | 0.0000% | 7,701 |
Total domestic deposits to total assets | 0.3735% | 7,761 |
Equity capital to assets | 79.2581% | 30 |
Core capital (leverage) ratio | 79.8939% | 27 |
Tier 1 risk-based capital ratio | 262.2436% | 30 |
Total risk-based capital ratio | 263.9170% | 30 |
Memoranda: | ||
Average total assets | $144,135,750 | 4,033 |
Average earning assets | $105,344,750 | 4,631 |
Average equity | $98,818,250 | 677 |
Average total loans | NA | NA |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4078% | 7,636 |
Cost of funding earning assets | 0.0000% | 7,814 |
Net interest margin | 3.4078% | 5,611 |
Noninterest income to average assets | 97.6208% | 12 |
Noninterest expense to average assets | 78.7613% | 15 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 12.9969% | 10 |
Return on assets (ROA) | 12.8806% | 11 |
Pretax return on assets | 21.1366% | 11 |
Return on Equity (ROE) | 19.7183% | 341 |
Retained earnings to average equity (ytd only) | 19.7183% | 94 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.6987% | 2,626 |
Assets per employee ($millions) | 0.3354% | 7,797 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,788 |
Net loans and leases to deposits | 0.0000% | 7,788 |
Net loans and leases to core deposits | 0.0000% | 7,770 |
Total domestic deposits to total assets | 0.3499% | 7,831 |
Equity capital to assets | 70.9875% | 41 |
Core capital (leverage) ratio | 71.3148% | 34 |
Tier 1 risk-based capital ratio | 208.1396% | 36 |
Total risk-based capital ratio | 209.5007% | 36 |
Memoranda: | ||
Average total assets | $147,554,670 | 4,004 |
Average earning assets | $106,462,000 | 4,634 |
Average equity | $96,387,670 | 682 |
Average total loans | NA | NA |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3810% | 7,738 |
Cost of funding earning assets | 0.0000% | 7,914 |
Net interest margin | 3.3810% | 5,661 |
Noninterest income to average assets | 95.9224% | 12 |
Noninterest expense to average assets | 76.3056% | 15 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 13.2214% | 14 |
Return on assets (ROA) | 13.1001% | 15 |
Pretax return on assets | 21.8771% | 14 |
Return on Equity (ROE) | 20.9187% | 334 |
Retained earnings to average equity (ytd only) | 20.9187% | 174 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.5683% | 2,964 |
Assets per employee ($millions) | 0.3338% | 7,903 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,889 |
Net loans and leases to deposits | 0.0000% | 7,889 |
Net loans and leases to core deposits | 0.0000% | 7,870 |
Total domestic deposits to total assets | 0.3366% | 7,934 |
Equity capital to assets | 64.9822% | 38 |
Core capital (leverage) ratio | 65.2987% | 34 |
Tier 1 risk-based capital ratio | 206.8901% | 32 |
Total risk-based capital ratio | 207.7944% | 32 |
Memoranda: | ||
Average total assets | $149,892,000 | 4,007 |
Average earning assets | $108,607,000 | 4,644 |
Average equity | $93,868,000 | 711 |
Average total loans | NA | NA |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7356% | 7,775 |
Cost of funding earning assets | 0.0000% | 8,000 |
Net interest margin | 3.7356% | 3,973 |
Noninterest income to average assets | 99.6602% | 13 |
Noninterest expense to average assets | 76.6268% | 15 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 15.2554% | 9 |
Return on assets (ROA) | 15.1668% | 9 |
Pretax return on assets | 25.6121% | 7 |
Return on Equity (ROE) | 22.1885% | 157 |
Retained earnings to average equity (ytd only) | -5.9142% | 6,137 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.8475% | 3,737 |
Assets per employee ($millions) | 0.3391% | 7,983 |
Cash dividends to net income (ytd only)* | 126.6541% | 364 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 7,964 |
Net loans and leases to deposits | 0.0000% | 7,964 |
Net loans and leases to core deposits | 0.0000% | 7,957 |
Total domestic deposits to total assets | 0.3306% | 8,010 |
Equity capital to assets | 60.3071% | 44 |
Core capital (leverage) ratio | 60.0774% | 42 |
Tier 1 risk-based capital ratio | 192.2219% | 36 |
Total risk-based capital ratio | 192.9643% | 36 |
Memoranda: | ||
Average total assets | $150,968,000 | 3,944 |
Average earning assets | $109,809,600 | 4,570 |
Average equity | $103,193,000 | 633 |
Average total loans | NA | NA |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8795% | 7,843 |
Cost of funding earning assets | 0.0000% | 8,084 |
Net interest margin | 3.8795% | 3,312 |
Noninterest income to average assets | 100.4643% | 12 |
Noninterest expense to average assets | 75.9201% | 16 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 16.1714% | 9 |
Return on assets (ROA) | 16.0815% | 9 |
Pretax return on assets | 27.2320% | 8 |
Return on Equity (ROE) | 22.8527% | 178 |
Retained earnings to average equity (ytd only) | 22.8527% | 39 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.5001% | 3,954 |
Assets per employee ($millions) | 0.3143% | 8,071 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,051 |
Net loans and leases to deposits | 0.0000% | 8,051 |
Net loans and leases to core deposits | 0.0000% | 8,041 |
Total domestic deposits to total assets | 0.3519% | 8,096 |
Equity capital to assets | 81.6223% | 29 |
Core capital (leverage) ratio | 82.3975% | 25 |
Tier 1 risk-based capital ratio | 242.1676% | 28 |
Total risk-based capital ratio | 243.0989% | 28 |
Memoranda: | ||
Average total assets | $150,902,250 | 3,967 |
Average earning assets | $110,012,750 | 4,591 |
Average equity | $106,190,500 | 623 |
Average total loans | NA | NA |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9330% | 7,926 |
Cost of funding earning assets | 0.0000% | 8,178 |
Net interest margin | 3.9330% | 2,966 |
Noninterest income to average assets | 99.2737% | 12 |
Noninterest expense to average assets | 76.2162% | 16 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 15.2045% | 10 |
Return on assets (ROA) | 15.1130% | 10 |
Pretax return on assets | 25.7876% | 8 |
Return on Equity (ROE) | 22.5882% | 213 |
Retained earnings to average equity (ytd only) | 22.5882% | 57 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.6144% | 3,936 |
Assets per employee ($millions) | 0.3221% | 8,162 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,143 |
Net loans and leases to deposits | 0.0000% | 8,143 |
Net loans and leases to core deposits | 0.0000% | 8,133 |
Total domestic deposits to total assets | 0.3397% | 8,195 |
Equity capital to assets | 73.8090% | 38 |
Core capital (leverage) ratio | 73.8242% | 33 |
Tier 1 risk-based capital ratio | 231.7876% | 30 |
Total risk-based capital ratio | 232.4809% | 29 |
Memoranda: | ||
Average total assets | $153,841,330 | 3,939 |
Average earning assets | $112,382,000 | 4,556 |
Average equity | $102,929,670 | 651 |
Average total loans | NA | NA |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8403% | 8,027 |
Cost of funding earning assets | 0.0000% | 8,229 |
Net interest margin | 3.8403% | 3,295 |
Noninterest income to average assets | 97.3030% | 12 |
Noninterest expense to average assets | 73.9966% | 17 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 15.6680% | 9 |
Return on assets (ROA) | 15.5995% | 10 |
Pretax return on assets | 26.0170% | 9 |
Return on Equity (ROE) | 24.4992% | 205 |
Retained earnings to average equity (ytd only) | 24.4992% | 93 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.9075% | 3,842 |
Assets per employee ($millions) | 0.3344% | 8,214 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,196 |
Net loans and leases to deposits | 0.0000% | 8,196 |
Net loans and leases to core deposits | 0.0000% | 8,185 |
Total domestic deposits to total assets | 0.3195% | 8,246 |
Equity capital to assets | 66.0891% | 46 |
Core capital (leverage) ratio | 66.5181% | 48 |
Tier 1 risk-based capital ratio | 211.0830% | 36 |
Total risk-based capital ratio | 211.8521% | 36 |
Memoranda: | ||
Average total assets | $157,158,500 | 3,882 |
Average earning assets | $115,302,000 | 4,495 |
Average equity | $100,068,500 | 671 |
Average total loans | NA | NA |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6850% | 7,981 |
Cost of funding earning assets | 0.0098% | 8,288 |
Net interest margin | 4.6752% | 1,018 |
Noninterest income to average assets | 97.5440% | 15 |
Noninterest expense to average assets | 81.6587% | 14 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 11.6862% | 18 |
Return on assets (ROA) | 11.6382% | 19 |
Pretax return on assets | 19.1493% | 18 |
Return on Equity (ROE) | 17.3346% | 591 |
Retained earnings to average equity (ytd only) | 5.8388% | 1,596 |
Net charge-offs to loans | NA | NA |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.9439% | 2,458 |
Assets per employee ($millions) | 0.3372% | 8,266 |
Cash dividends to net income (ytd only)* | 66.3170% | 2,358 |
Condition Ratios (%) | ||
Loss allowance to loans | NA | NA |
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 | NA | NA |
Net loans and leases to total assets | 0.0000% | 8,249 |
Net loans and leases to deposits | 0.0000% | 8,249 |
Net loans and leases to core deposits | 0.0000% | 8,238 |
Total domestic deposits to total assets | 0.3168% | 8,303 |
Equity capital to assets | 61.2780% | 54 |
Core capital (leverage) ratio | 61.6017% | 57 |
Tier 1 risk-based capital ratio | 185.5265% | 45 |
Total risk-based capital ratio | 186.1004% | 45 |
Memoranda: | ||
Average total assets | $142,522,400 | 4,035 |
Average earning assets | $101,792,600 | 4,756 |
Average equity | $95,687,400 | 697 |
Average total loans | NA | NA |