Home > Platte Valley Bank > Performance and Condition Ratios
Platte Valley Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2965% | 438 |
Cost of funding earning assets | 1.8710% | 1,123 |
Net interest margin | 4.4255% | 685 |
Noninterest income to average assets | 0.4000% | 2,503 |
Noninterest expense to average assets | 2.8267% | 1,442 |
Loan and lease loss provision to assets | 0.2100% | 579 |
Net operating income to assets | 1.2523% | 1,533 |
Return on assets (ROA) | 1.2523% | 1,507 |
Pretax return on assets | 1.5682% | 1,297 |
Return on Equity (ROE) | 14.1300% | 1,458 |
Retained earnings to average equity (ytd only) | 8.0391% | 1,528 |
Net charge-offs to loans | 0.6861% | 146 |
Credit loss provision to net charge-offs | 32.4824% | 2,269 |
Earnings coverage of net charge-offs (x) | 3.0456% | 2,662 |
Efficiency ratio | 61.3947% | 2,923 |
Assets per employee ($millions) | 9.6158% | 796 |
Cash dividends to net income (ytd only)* | 43.0930% | 1,943 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4327% | 1,269 |
Loan loss allowance to noncurrent loans | 113.1554% | 3,136 |
Noncurrent assets plus other real estate owned to assets | 1.0922% | 427 |
Noncurrent loans to loans | 1.2661% | 560 |
Net loans and leases to total assets | 85.0300% | 206 |
Net loans and leases to deposits | 100.5918% | 506 |
Net loans and leases to core deposits | 120.5443% | 606 |
Total domestic deposits to total assets | 84.5300% | 2,460 |
Equity capital to assets | 8.9166% | 2,734 |
Core capital (leverage) ratio | 9.1657% | 3,568 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $657,809,000 | 1,369 |
Average earning assets | $624,540,800 | 1,335 |
Average equity | $58,315,200 | 1,419 |
Average total loans | $559,530,800 | 1,135 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2465% | 393 |
Cost of funding earning assets | 1.7575% | 1,085 |
Net interest margin | 4.4891% | 628 |
Noninterest income to average assets | 0.4100% | 2,428 |
Noninterest expense to average assets | 2.8799% | 1,268 |
Loan and lease loss provision to assets | 0.1900% | 580 |
Net operating income to assets | 1.2846% | 1,579 |
Return on assets (ROA) | 1.2846% | 1,569 |
Pretax return on assets | 1.6022% | 1,354 |
Return on Equity (ROE) | 14.5100% | 1,548 |
Retained earnings to average equity (ytd only) | 8.6182% | 1,786 |
Net charge-offs to loans | 0.6565% | 138 |
Credit loss provision to net charge-offs | 26.1861% | 1,986 |
Earnings coverage of net charge-offs (x) | 3.2203% | 2,444 |
Efficiency ratio | 61.6470% | 2,762 |
Assets per employee ($millions) | 9.2347% | 858 |
Cash dividends to net income (ytd only)* | 40.6180% | 1,630 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5681% | 949 |
Loan loss allowance to noncurrent loans | 151.1223% | 2,813 |
Noncurrent assets plus other real estate owned to assets | 0.8736% | 619 |
Noncurrent loans to loans | 1.0376% | 777 |
Net loans and leases to total assets | 82.8700% | 369 |
Net loans and leases to deposits | 97.7445% | 627 |
Net loans and leases to core deposits | 114.2742% | 719 |
Total domestic deposits to total assets | 84.7800% | 2,570 |
Equity capital to assets | 8.6311% | 2,644 |
Core capital (leverage) ratio | 9.2362% | 3,554 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $651,580,250 | 1,372 |
Average earning assets | $618,075,250 | 1,342 |
Average equity | $57,675,000 | 1,421 |
Average total loans | $552,175,250 | 1,143 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2055% | 345 |
Cost of funding earning assets | 1.6168% | 1,024 |
Net interest margin | 4.5887% | 544 |
Noninterest income to average assets | 0.4100% | 2,372 |
Noninterest expense to average assets | 2.8808% | 1,258 |
Loan and lease loss provision to assets | 0.1000% | 1,140 |
Net operating income to assets | 1.4407% | 1,235 |
Return on assets (ROA) | 1.4407% | 1,220 |
Pretax return on assets | 1.7876% | 1,035 |
Return on Equity (ROE) | 16.1300% | 1,242 |
Retained earnings to average equity (ytd only) | 10.7094% | 1,245 |
Net charge-offs to loans | 0.5690% | 144 |
Credit loss provision to net charge-offs | 19.8192% | 1,770 |
Earnings coverage of net charge-offs (x) | 3.8948% | 2,241 |
Efficiency ratio | 60.4679% | 2,898 |
Assets per employee ($millions) | 8.9533% | 924 |
Cash dividends to net income (ytd only)* | 33.5861% | 1,974 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9531% | 454 |
Loan loss allowance to noncurrent loans | 176.2045% | 2,750 |
Noncurrent assets plus other real estate owned to assets | 0.9498% | 508 |
Noncurrent loans to loans | 1.1084% | 643 |
Net loans and leases to total assets | 84.0200% | 272 |
Net loans and leases to deposits | 101.3084% | 462 |
Net loans and leases to core deposits | 117.8862% | 575 |
Total domestic deposits to total assets | 82.9400% | 3,062 |
Equity capital to assets | 9.1280% | 2,425 |
Core capital (leverage) ratio | 9.1938% | 3,557 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $640,650,667 | 1,392 |
Average earning assets | $607,365,667 | 1,366 |
Average equity | $57,239,333 | 1,433 |
Average total loans | $544,466,333 | 1,141 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8990% | 357 |
Cost of funding earning assets | 1.2907% | 1,251 |
Net interest margin | 4.6084% | 502 |
Noninterest income to average assets | 0.4100% | 2,332 |
Noninterest expense to average assets | 2.8948% | 1,244 |
Loan and lease loss provision to assets | 0.1900% | 550 |
Net operating income to assets | 1.3929% | 1,428 |
Return on assets (ROA) | 1.3929% | 1,402 |
Pretax return on assets | 1.7011% | 1,271 |
Return on Equity (ROE) | 15.7600% | 1,408 |
Retained earnings to average equity (ytd only) | 15.7624% | 713 |
Net charge-offs to loans | 0.5691% | 144 |
Credit loss provision to net charge-offs | 39.9220% | 1,320 |
Earnings coverage of net charge-offs (x) | 3.9311% | 1,869 |
Efficiency ratio | 60.4578% | 2,900 |
Assets per employee ($millions) | 9.6254% | 771 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6527% | 905 |
Loan loss allowance to noncurrent loans | 166.3294% | 2,857 |
Noncurrent assets plus other real estate owned to assets | 0.8507% | 547 |
Noncurrent loans to loans | 0.9937% | 730 |
Net loans and leases to total assets | 84.2000% | 224 |
Net loans and leases to deposits | 100.3627% | 430 |
Net loans and leases to core deposits | 114.5402% | 571 |
Total domestic deposits to total assets | 83.9000% | 3,109 |
Equity capital to assets | 8.5852% | 2,822 |
Core capital (leverage) ratio | 9.4720% | 3,238 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $638,658,500 | 1,416 |
Average earning assets | $606,201,500 | 1,386 |
Average equity | $56,438,000 | 1,461 |
Average total loans | $540,492,000 | 1,162 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5468% | 146 |
Cost of funding earning assets | 0.5520% | 1,101 |
Net interest margin | 4.9948% | 138 |
Noninterest income to average assets | 0.5400% | 1,892 |
Noninterest expense to average assets | 3.0498% | 899 |
Loan and lease loss provision to assets | 0.1900% | 578 |
Net operating income to assets | 1.6175% | 661 |
Return on assets (ROA) | 1.6201% | 626 |
Pretax return on assets | 2.0301% | 445 |
Return on Equity (ROE) | 17.6100% | 768 |
Retained earnings to average equity (ytd only) | 7.2510% | 2,125 |
Net charge-offs to loans | 0.2154% | 380 |
Credit loss provision to net charge-offs | 112.4752% | 1,497 |
Earnings coverage of net charge-offs (x) | 12.9178% | 2,089 |
Efficiency ratio | 57.8721% | 3,356 |
Assets per employee ($millions) | 6.7814% | 2,135 |
Cash dividends to net income (ytd only)* | 58.8174% | 1,004 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9829% | 441 |
Loan loss allowance to noncurrent loans | 162.0623% | 2,892 |
Noncurrent assets plus other real estate owned to assets | 1.0220% | 425 |
Noncurrent loans to loans | 1.2235% | 570 |
Net loans and leases to total assets | 81.8700% | 420 |
Net loans and leases to deposits | 91.2614% | 963 |
Net loans and leases to core deposits | 103.0279% | 852 |
Total domestic deposits to total assets | 89.7100% | 1,479 |
Equity capital to assets | 9.1180% | 2,282 |
Core capital (leverage) ratio | 9.4084% | 3,239 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $587,669,000 | 1,518 |
Average earning assets | $556,479,000 | 1,488 |
Average equity | $54,075,600 | 1,521 |
Average total loans | $468,806,000 | 1,233 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3554% | 132 |
Cost of funding earning assets | 0.4128% | 1,208 |
Net interest margin | 4.9426% | 128 |
Noninterest income to average assets | 0.5700% | 1,823 |
Noninterest expense to average assets | 3.0323% | 870 |
Loan and lease loss provision to assets | 0.1700% | 564 |
Net operating income to assets | 1.6423% | 600 |
Return on assets (ROA) | 1.6458% | 582 |
Pretax return on assets | 2.0505% | 419 |
Return on Equity (ROE) | 17.8400% | 664 |
Retained earnings to average equity (ytd only) | 7.4421% | 2,217 |
Net charge-offs to loans | 0.1594% | 406 |
Credit loss provision to net charge-offs | 137.6364% | 1,159 |
Earnings coverage of net charge-offs (x) | 17.6636% | 1,780 |
Efficiency ratio | 57.7425% | 3,412 |
Assets per employee ($millions) | 6.7228% | 2,145 |
Cash dividends to net income (ytd only)* | 58.2929% | 919 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0806% | 429 |
Loan loss allowance to noncurrent loans | 155.6602% | 2,989 |
Noncurrent assets plus other real estate owned to assets | 1.0702% | 411 |
Noncurrent loans to loans | 1.3366% | 548 |
Net loans and leases to total assets | 78.4000% | 674 |
Net loans and leases to deposits | 87.0732% | 1,097 |
Net loans and leases to core deposits | 100.1939% | 801 |
Total domestic deposits to total assets | 90.0400% | 1,638 |
Equity capital to assets | 8.9133% | 2,271 |
Core capital (leverage) ratio | 9.5836% | 2,977 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $583,700,750 | 1,532 |
Average earning assets | $552,597,000 | 1,501 |
Average equity | $53,836,750 | 1,539 |
Average total loans | $459,977,250 | 1,246 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2281% | 126 |
Cost of funding earning assets | 0.3480% | 1,283 |
Net interest margin | 4.8801% | 116 |
Noninterest income to average assets | 0.6122% | 1,688 |
Noninterest expense to average assets | 3.0490% | 797 |
Loan and lease loss provision to assets | 0.1311% | 737 |
Net operating income to assets | 1.6643% | 470 |
Return on assets (ROA) | 1.6643% | 462 |
Pretax return on assets | 2.0531% | 336 |
Return on Equity (ROE) | 17.8346% | 491 |
Retained earnings to average equity (ytd only) | 7.4267% | 1,840 |
Net charge-offs to loans | 0.1602% | 398 |
Credit loss provision to net charge-offs | 104.4199% | 1,250 |
Earnings coverage of net charge-offs (x) | 17.3950% | 1,603 |
Efficiency ratio | 58.2621% | 3,523 |
Assets per employee ($millions) | 6.5242% | 2,295 |
Cash dividends to net income (ytd only)* | 58.3576% | 1,120 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0688% | 478 |
Loan loss allowance to noncurrent loans | 151.1312% | 3,008 |
Noncurrent assets plus other real estate owned to assets | 1.1267% | 387 |
Noncurrent loans to loans | 1.3688% | 559 |
Net loans and leases to total assets | 80.6049% | 364 |
Net loans and leases to deposits | 89.9076% | 728 |
Net loans and leases to core deposits | 102.1068% | 584 |
Total domestic deposits to total assets | 89.6530% | 1,868 |
Equity capital to assets | 9.2870% | 2,173 |
Core capital (leverage) ratio | 9.6183% | 2,797 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $576,583,667 | 1,558 |
Average earning assets | $545,972,000 | 1,533 |
Average equity | $53,805,667 | 1,588 |
Average total loans | $451,827,667 | 1,262 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9871% | 158 |
Cost of funding earning assets | 0.3404% | 1,283 |
Net interest margin | 4.6467% | 146 |
Noninterest income to average assets | 0.6175% | 1,617 |
Noninterest expense to average assets | 3.0584% | 744 |
Loan and lease loss provision to assets | 0.1246% | 666 |
Net operating income to assets | 1.5288% | 595 |
Return on assets (ROA) | 1.5288% | 589 |
Pretax return on assets | 1.8352% | 508 |
Return on Equity (ROE) | 16.3435% | 501 |
Retained earnings to average equity (ytd only) | 5.9242% | 2,273 |
Net charge-offs to loans | 0.2470% | 253 |
Credit loss provision to net charge-offs | 66.0517% | 1,152 |
Earnings coverage of net charge-offs (x) | 10.3875% | 1,464 |
Efficiency ratio | 60.9462% | 3,381 |
Assets per employee ($millions) | 6.7964% | 2,149 |
Cash dividends to net income (ytd only)* | 63.7523% | 968 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1619% | 470 |
Loan loss allowance to noncurrent loans | 139.3814% | 3,060 |
Noncurrent assets plus other real estate owned to assets | 1.2145% | 360 |
Noncurrent loans to loans | 1.5511% | 523 |
Net loans and leases to total assets | 76.6076% | 466 |
Net loans and leases to deposits | 85.9243% | 746 |
Net loans and leases to core deposits | 97.8794% | 580 |
Total domestic deposits to total assets | 89.1570% | 2,001 |
Equity capital to assets | 9.2570% | 2,478 |
Core capital (leverage) ratio | 9.4788% | 2,820 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $574,549,500 | 1,569 |
Average earning assets | $544,123,500 | 1,553 |
Average equity | $53,746,000 | 1,628 |
Average total loans | $438,781,000 | 1,273 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6998% | 107 |
Cost of funding earning assets | 0.4192% | 1,398 |
Net interest margin | 5.2807% | 104 |
Noninterest income to average assets | 0.8866% | 1,244 |
Noninterest expense to average assets | 2.7583% | 1,463 |
Loan and lease loss provision to assets | 0.2889% | 290 |
Net operating income to assets | 2.2462% | 226 |
Return on assets (ROA) | 2.2324% | 239 |
Pretax return on assets | 2.8082% | 177 |
Return on Equity (ROE) | 22.1317% | 214 |
Retained earnings to average equity (ytd only) | 1.4499% | 4,134 |
Net charge-offs to loans | 0.2436% | 383 |
Credit loss provision to net charge-offs | 157.0297% | 1,462 |
Earnings coverage of net charge-offs (x) | 16.9307% | 1,960 |
Efficiency ratio | 46.8521% | 4,461 |
Assets per employee ($millions) | 6.8025% | 2,066 |
Cash dividends to net income (ytd only)* | 93.4486% | 288 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3213% | 373 |
Loan loss allowance to noncurrent loans | 139.9348% | 3,054 |
Noncurrent assets plus other real estate owned to assets | 1.2345% | 392 |
Noncurrent loans to loans | 1.6589% | 517 |
Net loans and leases to total assets | 72.6901% | 789 |
Net loans and leases to deposits | 81.6866% | 1,089 |
Net loans and leases to core deposits | 93.0576% | 823 |
Total domestic deposits to total assets | 88.9865% | 1,523 |
Equity capital to assets | 9.4530% | 3,183 |
Core capital (leverage) ratio | 9.4081% | 2,963 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $549,041,400 | 1,579 |
Average earning assets | $518,418,800 | 1,550 |
Average equity | $55,382,000 | 1,624 |
Average total loans | $414,682,800 | 1,334 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8217% | 106 |
Cost of funding earning assets | 0.4318% | 1,474 |
Net interest margin | 5.3899% | 97 |
Noninterest income to average assets | 0.8322% | 1,433 |
Noninterest expense to average assets | 2.7878% | 1,373 |
Loan and lease loss provision to assets | 0.0554% | 1,877 |
Net operating income to assets | 2.4698% | 222 |
Return on assets (ROA) | 2.4698% | 225 |
Pretax return on assets | 3.0753% | 166 |
Return on Equity (ROE) | 24.0873% | 203 |
Retained earnings to average equity (ytd only) | 12.5928% | 703 |
Net charge-offs to loans | 0.2747% | 296 |
Credit loss provision to net charge-offs | 26.6196% | 1,967 |
Earnings coverage of net charge-offs (x) | 15.0306% | 1,876 |
Efficiency ratio | 46.9491% | 4,448 |
Assets per employee ($millions) | 6.8243% | 2,000 |
Cash dividends to net income (ytd only)* | 47.7203% | 1,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0210% | 610 |
Loan loss allowance to noncurrent loans | 471.5606% | 1,421 |
Noncurrent assets plus other real estate owned to assets | 0.3247% | 2,155 |
Noncurrent loans to loans | 0.4286% | 2,272 |
Net loans and leases to total assets | 74.2251% | 676 |
Net loans and leases to deposits | 84.4582% | 931 |
Net loans and leases to core deposits | 97.1463% | 696 |
Total domestic deposits to total assets | 87.8838% | 1,912 |
Equity capital to assets | 10.3571% | 2,563 |
Core capital (leverage) ratio | 10.6265% | 1,962 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $543,449,750 | 1,599 |
Average earning assets | $512,846,250 | 1,578 |
Average equity | $55,723,750 | 1,632 |
Average total loans | $412,046,500 | 1,372 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9895% | 101 |
Cost of funding earning assets | 0.4586% | 1,461 |
Net interest margin | 5.5308% | 94 |
Noninterest income to average assets | 0.8216% | 1,473 |
Noninterest expense to average assets | 2.7820% | 1,394 |
Loan and lease loss provision to assets | 0.0844% | 1,455 |
Net operating income to assets | 2.5484% | 206 |
Return on assets (ROA) | 2.5484% | 220 |
Pretax return on assets | 3.1680% | 154 |
Return on Equity (ROE) | 24.9417% | 194 |
Retained earnings to average equity (ytd only) | 11.2305% | 1,069 |
Net charge-offs to loans | 0.3012% | 287 |
Credit loss provision to net charge-offs | 36.9281% | 1,674 |
Earnings coverage of net charge-offs (x) | 14.2369% | 1,672 |
Efficiency ratio | 45.9297% | 4,516 |
Assets per employee ($millions) | 6.3073% | 2,323 |
Cash dividends to net income (ytd only)* | 54.9729% | 1,081 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1433% | 472 |
Loan loss allowance to noncurrent loans | 485.2397% | 1,307 |
Noncurrent assets plus other real estate owned to assets | 0.3648% | 2,150 |
Noncurrent loans to loans | 0.4417% | 2,347 |
Net loans and leases to total assets | 75.8728% | 600 |
Net loans and leases to deposits | 86.6358% | 874 |
Net loans and leases to core deposits | 99.4813% | 677 |
Total domestic deposits to total assets | 87.5768% | 2,055 |
Equity capital to assets | 10.5514% | 2,353 |
Core capital (leverage) ratio | 10.2873% | 2,126 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $535,794,333 | 1,610 |
Average earning assets | $504,987,000 | 1,593 |
Average equity | $54,743,667 | 1,650 |
Average total loans | $406,363,667 | 1,392 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1957% | 80 |
Cost of funding earning assets | 0.4842% | 1,488 |
Net interest margin | 5.7115% | 79 |
Noninterest income to average assets | 0.7991% | 1,583 |
Noninterest expense to average assets | 2.7937% | 1,383 |
Loan and lease loss provision to assets | 0.1688% | 739 |
Net operating income to assets | 2.6175% | 220 |
Return on assets (ROA) | 2.6175% | 244 |
Pretax return on assets | 3.2097% | 188 |
Return on Equity (ROE) | 26.0442% | 231 |
Retained earnings to average equity (ytd only) | 5.9742% | 2,911 |
Net charge-offs to loans | 0.4809% | 175 |
Credit loss provision to net charge-offs | 46.7909% | 1,322 |
Earnings coverage of net charge-offs (x) | 9.3665% | 1,542 |
Efficiency ratio | 45.0938% | 4,521 |
Assets per employee ($millions) | 6.3752% | 2,274 |
Cash dividends to net income (ytd only)* | 77.0613% | 621 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2401% | 394 |
Loan loss allowance to noncurrent loans | 553.1212% | 1,091 |
Noncurrent assets plus other real estate owned to assets | 0.3363% | 2,454 |
Noncurrent loans to loans | 0.4050% | 2,651 |
Net loans and leases to total assets | 71.9389% | 1,036 |
Net loans and leases to deposits | 81.3260% | 1,393 |
Net loans and leases to core deposits | 92.4475% | 1,086 |
Total domestic deposits to total assets | 88.4575% | 1,627 |
Equity capital to assets | 9.8331% | 2,862 |
Core capital (leverage) ratio | 9.9686% | 2,566 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $535,633,000 | 1,596 |
Average earning assets | $503,900,000 | 1,582 |
Average equity | $53,831,500 | 1,656 |
Average total loans | $401,707,500 | 1,405 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5318% | 55 |
Cost of funding earning assets | 0.7935% | 1,240 |
Net interest margin | 5.7383% | 55 |
Noninterest income to average assets | 0.7184% | 1,798 |
Noninterest expense to average assets | 2.9692% | 1,505 |
Loan and lease loss provision to assets | 0.9475% | 113 |
Net operating income to assets | 1.7588% | 425 |
Return on assets (ROA) | 1.7588% | 463 |
Pretax return on assets | 2.1780% | 312 |
Return on Equity (ROE) | 16.7342% | 436 |
Retained earnings to average equity (ytd only) | 10.4901% | 496 |
Net charge-offs to loans | 0.6518% | 230 |
Credit loss provision to net charge-offs | 174.0113% | 2,297 |
Earnings coverage of net charge-offs (x) | 5.7401% | 2,841 |
Efficiency ratio | 48.5329% | 4,608 |
Assets per employee ($millions) | 6.0814% | 2,270 |
Cash dividends to net income (ytd only)* | 37.3134% | 2,483 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3240% | 339 |
Loan loss allowance to noncurrent loans | 481.8559% | 1,171 |
Noncurrent assets plus other real estate owned to assets | 0.3933% | 2,412 |
Noncurrent loans to loans | 0.4823% | 2,524 |
Net loans and leases to total assets | 74.6970% | 939 |
Net loans and leases to deposits | 85.2135% | 1,321 |
Net loans and leases to core deposits | 99.6615% | 917 |
Total domestic deposits to total assets | 87.6587% | 1,630 |
Equity capital to assets | 10.2775% | 2,854 |
Core capital (leverage) ratio | 10.4845% | 2,167 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $487,611,400 | 1,587 |
Average earning assets | $456,843,800 | 1,574 |
Average equity | $51,248,400 | 1,658 |
Average total loans | $407,357,600 | 1,333 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7900% | 53 |
Cost of funding earning assets | 0.8629% | 1,196 |
Net interest margin | 5.9270% | 50 |
Noninterest income to average assets | 0.6500% | 1,985 |
Noninterest expense to average assets | 3.0355% | 1,361 |
Loan and lease loss provision to assets | 0.9775% | 150 |
Net operating income to assets | 1.7773% | 477 |
Return on assets (ROA) | 1.7773% | 532 |
Pretax return on assets | 2.1878% | 349 |
Return on Equity (ROE) | 16.8089% | 462 |
Retained earnings to average equity (ytd only) | 11.1910% | 538 |
Net charge-offs to loans | 0.7266% | 191 |
Credit loss provision to net charge-offs | 157.3991% | 2,286 |
Earnings coverage of net charge-offs (x) | 5.0969% | 2,762 |
Efficiency ratio | 48.7649% | 4,565 |
Assets per employee ($millions) | 5.8244% | 2,422 |
Cash dividends to net income (ytd only)* | 33.4221% | 2,210 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0143% | 484 |
Loan loss allowance to noncurrent loans | 436.1702% | 1,180 |
Noncurrent assets plus other real estate owned to assets | 0.6408% | 1,820 |
Noncurrent loans to loans | 0.4618% | 2,669 |
Net loans and leases to total assets | 83.6169% | 313 |
Net loans and leases to deposits | 95.5276% | 793 |
Net loans and leases to core deposits | 110.6115% | 676 |
Total domestic deposits to total assets | 87.5317% | 1,428 |
Equity capital to assets | 10.5003% | 2,790 |
Core capital (leverage) ratio | 10.5875% | 2,193 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $478,764,750 | 1,590 |
Average earning assets | $448,376,500 | 1,577 |
Average equity | $50,622,750 | 1,669 |
Average total loans | $409,207,250 | 1,320 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0417% | 63 |
Cost of funding earning assets | 0.9396% | 1,192 |
Net interest margin | 6.1021% | 61 |
Noninterest income to average assets | 0.5316% | 2,429 |
Noninterest expense to average assets | 3.0930% | 1,372 |
Loan and lease loss provision to assets | 1.0183% | 201 |
Net operating income to assets | 1.7519% | 554 |
Return on assets (ROA) | 1.7519% | 606 |
Pretax return on assets | 2.1295% | 414 |
Return on Equity (ROE) | 16.5276% | 487 |
Retained earnings to average equity (ytd only) | 12.2566% | 431 |
Net charge-offs to loans | 0.8270% | 187 |
Credit loss provision to net charge-offs | 143.9712% | 2,158 |
Earnings coverage of net charge-offs (x) | 4.4505% | 2,599 |
Efficiency ratio | 49.3711% | 4,541 |
Assets per employee ($millions) | 5.8003% | 2,372 |
Cash dividends to net income (ytd only)* | 25.8416% | 2,520 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8429% | 598 |
Loan loss allowance to noncurrent loans | 408.2025% | 1,206 |
Noncurrent assets plus other real estate owned to assets | 0.6513% | 1,869 |
Noncurrent loans to loans | 0.4515% | 2,798 |
Net loans and leases to total assets | 87.0958% | 92 |
Net loans and leases to deposits | 100.1841% | 537 |
Net loans and leases to core deposits | 116.3832% | 524 |
Total domestic deposits to total assets | 86.9358% | 1,645 |
Equity capital to assets | 10.4201% | 2,820 |
Core capital (leverage) ratio | 10.2896% | 2,545 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $471,386,000 | 1,579 |
Average earning assets | $441,027,667 | 1,573 |
Average equity | $49,965,000 | 1,672 |
Average total loans | $403,127,000 | 1,314 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6922% | 70 |
Cost of funding earning assets | 1.0489% | 1,223 |
Net interest margin | 5.6433% | 74 |
Noninterest income to average assets | 0.5619% | 2,222 |
Noninterest expense to average assets | 3.1969% | 1,432 |
Loan and lease loss provision to assets | 0.8251% | 291 |
Net operating income to assets | 1.5607% | 682 |
Return on assets (ROA) | 1.5607% | 751 |
Pretax return on assets | 1.8108% | 682 |
Return on Equity (ROE) | 14.5918% | 602 |
Retained earnings to average equity (ytd only) | 14.5918% | 216 |
Net charge-offs to loans | 0.8747% | 169 |
Credit loss provision to net charge-offs | 112.5592% | 1,739 |
Earnings coverage of net charge-offs (x) | 3.5960% | 2,200 |
Efficiency ratio | 54.6010% | 4,350 |
Assets per employee ($millions) | 5.6408% | 1,980 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9117% | 593 |
Loan loss allowance to noncurrent loans | 263.9688% | 1,687 |
Noncurrent assets plus other real estate owned to assets | 0.8928% | 1,507 |
Noncurrent loans to loans | 0.7242% | 2,188 |
Net loans and leases to total assets | 81.4935% | 504 |
Net loans and leases to deposits | 93.9766% | 1,081 |
Net loans and leases to core deposits | 111.1437% | 797 |
Total domestic deposits to total assets | 86.7168% | 1,682 |
Equity capital to assets | 10.7002% | 3,140 |
Core capital (leverage) ratio | 10.7254% | 2,715 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $460,566,000 | 1,566 |
Average earning assets | $430,171,000 | 1,557 |
Average equity | $49,260,500 | 1,685 |
Average total loans | $385,957,000 | 1,336 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9874% | 69 |
Cost of funding earning assets | 1.1987% | 1,024 |
Net interest margin | 5.7886% | 77 |
Noninterest income to average assets | 0.6720% | 1,913 |
Noninterest expense to average assets | 3.0401% | 1,910 |
Loan and lease loss provision to assets | 0.5880% | 203 |
Net operating income to assets | 1.9674% | 386 |
Return on assets (ROA) | 1.9800% | 383 |
Pretax return on assets | 2.4532% | 226 |
Return on Equity (ROE) | 19.2568% | 253 |
Retained earnings to average equity (ytd only) | 12.2272% | 225 |
Net charge-offs to loans | 0.5264% | 350 |
Credit loss provision to net charge-offs | 130.5416% | 1,956 |
Earnings coverage of net charge-offs (x) | 6.7177% | 2,942 |
Efficiency ratio | 49.9144% | 4,738 |
Assets per employee ($millions) | 5.5919% | 1,981 |
Cash dividends to net income (ytd only)* | 36.5047% | 2,777 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9142% | 536 |
Loan loss allowance to noncurrent loans | 376.6701% | 1,247 |
Noncurrent assets plus other real estate owned to assets | 0.7480% | 1,734 |
Noncurrent loans to loans | 0.5082% | 2,667 |
Net loans and leases to total assets | 82.9253% | 436 |
Net loans and leases to deposits | 95.7534% | 966 |
Net loans and leases to core deposits | 115.2629% | 626 |
Total domestic deposits to total assets | 86.6030% | 1,804 |
Equity capital to assets | 10.6909% | 3,265 |
Core capital (leverage) ratio | 10.4741% | 2,980 |
Tier 1 risk-based capital ratio | 11.9894% | 4,373 |
Total risk-based capital ratio | 13.2470% | 4,240 |
Memoranda: | ||
Average total assets | $442,721,200 | 1,590 |
Average earning assets | $412,514,600 | 1,577 |
Average equity | $45,521,600 | 1,742 |
Average total loans | $378,771,600 | 1,331 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9542% | 71 |
Cost of funding earning assets | 1.2091% | 1,016 |
Net interest margin | 5.7452% | 83 |
Noninterest income to average assets | 0.6367% | 2,043 |
Noninterest expense to average assets | 3.0348% | 1,873 |
Loan and lease loss provision to assets | 0.4677% | 264 |
Net operating income to assets | 2.0066% | 390 |
Return on assets (ROA) | 2.0228% | 394 |
Pretax return on assets | 2.5057% | 247 |
Return on Equity (ROE) | 19.8763% | 256 |
Retained earnings to average equity (ytd only) | 12.4353% | 332 |
Net charge-offs to loans | 0.4963% | 344 |
Credit loss provision to net charge-offs | 109.8151% | 2,094 |
Earnings coverage of net charge-offs (x) | 6.9346% | 2,793 |
Efficiency ratio | 50.4679% | 4,712 |
Assets per employee ($millions) | 5.7226% | 1,835 |
Cash dividends to net income (ytd only)* | 37.4363% | 2,264 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8321% | 634 |
Loan loss allowance to noncurrent loans | 371.9631% | 1,262 |
Noncurrent assets plus other real estate owned to assets | 0.7269% | 1,882 |
Noncurrent loans to loans | 0.4926% | 2,817 |
Net loans and leases to total assets | 81.2928% | 662 |
Net loans and leases to deposits | 93.6775% | 1,249 |
Net loans and leases to core deposits | 113.9258% | 758 |
Total domestic deposits to total assets | 86.7794% | 1,633 |
Equity capital to assets | 10.4063% | 3,631 |
Core capital (leverage) ratio | 10.4169% | 3,177 |
Tier 1 risk-based capital ratio | 11.8711% | 4,479 |
Total risk-based capital ratio | 13.1277% | 4,363 |
Memoranda: | ||
Average total assets | $440,165,250 | 1,598 |
Average earning assets | $410,003,250 | 1,592 |
Average equity | $44,796,000 | 1,765 |
Average total loans | $377,730,500 | 1,341 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8729% | 80 |
Cost of funding earning assets | 1.1968% | 1,011 |
Net interest margin | 5.6760% | 93 |
Noninterest income to average assets | 0.6025% | 2,140 |
Noninterest expense to average assets | 2.9872% | 2,039 |
Loan and lease loss provision to assets | 0.4548% | 262 |
Net operating income to assets | 1.9909% | 393 |
Return on assets (ROA) | 2.0147% | 399 |
Pretax return on assets | 2.4760% | 251 |
Return on Equity (ROE) | 19.9517% | 262 |
Retained earnings to average equity (ytd only) | 11.7785% | 431 |
Net charge-offs to loans | 0.4440% | 369 |
Credit loss provision to net charge-offs | 117.9548% | 1,763 |
Earnings coverage of net charge-offs (x) | 7.5244% | 2,480 |
Efficiency ratio | 50.5100% | 4,754 |
Assets per employee ($millions) | 5.6634% | 1,814 |
Cash dividends to net income (ytd only)* | 40.9650% | 2,167 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8575% | 615 |
Loan loss allowance to noncurrent loans | 375.5191% | 1,291 |
Noncurrent assets plus other real estate owned to assets | 0.7384% | 1,880 |
Noncurrent loans to loans | 0.4947% | 2,802 |
Net loans and leases to total assets | 82.1912% | 576 |
Net loans and leases to deposits | 94.7695% | 1,176 |
Net loans and leases to core deposits | 116.4111% | 667 |
Total domestic deposits to total assets | 86.7275% | 1,716 |
Equity capital to assets | 10.2934% | 3,706 |
Core capital (leverage) ratio | 10.0778% | 3,515 |
Tier 1 risk-based capital ratio | 11.6800% | 4,590 |
Total risk-based capital ratio | 12.9375% | 4,486 |
Memoranda: | ||
Average total assets | $436,192,670 | 1,608 |
Average earning assets | $406,235,330 | 1,608 |
Average equity | $44,046,330 | 1,791 |
Average total loans | $378,850,670 | 1,339 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7012% | 97 |
Cost of funding earning assets | 1.1516% | 1,042 |
Net interest margin | 5.5496% | 109 |
Noninterest income to average assets | 0.5076% | 2,513 |
Noninterest expense to average assets | 3.0096% | 1,969 |
Loan and lease loss provision to assets | 0.4301% | 262 |
Net operating income to assets | 1.8642% | 494 |
Return on assets (ROA) | 1.9123% | 468 |
Pretax return on assets | 2.2888% | 366 |
Return on Equity (ROE) | 19.1259% | 320 |
Retained earnings to average equity (ytd only) | 8.9722% | 1,332 |
Net charge-offs to loans | 0.4226% | 361 |
Credit loss provision to net charge-offs | 115.0617% | 1,458 |
Earnings coverage of net charge-offs (x) | 7.1210% | 2,153 |
Efficiency ratio | 52.8397% | 4,628 |
Assets per employee ($millions) | 5.7343% | 1,761 |
Cash dividends to net income (ytd only)* | 53.0888% | 1,543 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7627% | 758 |
Loan loss allowance to noncurrent loans | 269.8368% | 1,716 |
Noncurrent assets plus other real estate owned to assets | 0.8935% | 1,577 |
Noncurrent loans to loans | 0.6532% | 2,383 |
Net loans and leases to total assets | 85.5920% | 222 |
Net loans and leases to deposits | 98.8220% | 718 |
Net loans and leases to core deposits | 119.8710% | 534 |
Total domestic deposits to total assets | 86.6123% | 1,998 |
Equity capital to assets | 9.9282% | 3,893 |
Core capital (leverage) ratio | 9.8952% | 3,719 |
Tier 1 risk-based capital ratio | 10.8707% | 5,032 |
Total risk-based capital ratio | 12.1269% | 4,936 |
Memoranda: | ||
Average total assets | $433,415,000 | 1,616 |
Average earning assets | $403,272,500 | 1,621 |
Average equity | $43,334,000 | 1,807 |
Average total loans | $383,301,000 | 1,333 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5151% | 86 |
Cost of funding earning assets | 0.9460% | 938 |
Net interest margin | 5.5691% | 101 |
Noninterest income to average assets | 0.6093% | 2,245 |
Noninterest expense to average assets | 3.2994% | 1,325 |
Loan and lease loss provision to assets | 0.5189% | 224 |
Net operating income to assets | 1.5741% | 941 |
Return on assets (ROA) | 1.5741% | 929 |
Pretax return on assets | 1.9475% | 627 |
Return on Equity (ROE) | 15.5490% | 714 |
Retained earnings to average equity (ytd only) | 8.6820% | 991 |
Net charge-offs to loans | 0.4158% | 444 |
Credit loss provision to net charge-offs | 143.1507% | 1,899 |
Earnings coverage of net charge-offs (x) | 6.8041% | 3,050 |
Efficiency ratio | 56.9866% | 4,283 |
Assets per employee ($millions) | 5.5233% | 1,933 |
Cash dividends to net income (ytd only)* | 44.1640% | 2,292 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7596% | 737 |
Loan loss allowance to noncurrent loans | 311.2552% | 1,604 |
Noncurrent assets plus other real estate owned to assets | 0.8493% | 1,647 |
Noncurrent loans to loans | 0.5653% | 2,573 |
Net loans and leases to total assets | 88.2170% | 108 |
Net loans and leases to deposits | 102.1593% | 575 |
Net loans and leases to core deposits | 122.4395% | 486 |
Total domestic deposits to total assets | 86.3524% | 2,068 |
Equity capital to assets | 10.0710% | 3,608 |
Core capital (leverage) ratio | 10.0137% | 3,556 |
Tier 1 risk-based capital ratio | 10.7522% | 5,095 |
Total risk-based capital ratio | 12.0083% | 4,980 |
Memoranda: | ||
Average total assets | $402,764,400 | 1,703 |
Average earning assets | $372,935,200 | 1,708 |
Average equity | $40,774,200 | 1,820 |
Average total loans | $351,133,600 | 1,401 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4552% | 90 |
Cost of funding earning assets | 0.9030% | 909 |
Net interest margin | 5.5522% | 101 |
Noninterest income to average assets | 0.6114% | 2,252 |
Noninterest expense to average assets | 3.3852% | 1,141 |
Loan and lease loss provision to assets | 0.5281% | 203 |
Net operating income to assets | 1.4920% | 1,213 |
Return on assets (ROA) | 1.4920% | 1,210 |
Pretax return on assets | 1.8338% | 935 |
Return on Equity (ROE) | 14.7173% | 932 |
Retained earnings to average equity (ytd only) | 7.7627% | 1,765 |
Net charge-offs to loans | 0.4146% | 388 |
Credit loss provision to net charge-offs | 147.2846% | 1,735 |
Earnings coverage of net charge-offs (x) | 6.5871% | 2,873 |
Efficiency ratio | 58.6576% | 4,017 |
Assets per employee ($millions) | 5.3217% | 2,100 |
Cash dividends to net income (ytd only)* | 47.2547% | 1,705 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8219% | 697 |
Loan loss allowance to noncurrent loans | 356.1015% | 1,456 |
Noncurrent assets plus other real estate owned to assets | 0.8934% | 1,651 |
Noncurrent loans to loans | 0.5116% | 2,850 |
Net loans and leases to total assets | 86.7294% | 206 |
Net loans and leases to deposits | 100.7044% | 728 |
Net loans and leases to core deposits | 122.3483% | 505 |
Total domestic deposits to total assets | 86.1227% | 2,132 |
Equity capital to assets | 10.1457% | 3,496 |
Core capital (leverage) ratio | 9.9998% | 3,636 |
Tier 1 risk-based capital ratio | 10.8349% | 5,113 |
Total risk-based capital ratio | 12.0914% | 5,014 |
Memoranda: | ||
Average total assets | $397,132,750 | 1,730 |
Average earning assets | $367,342,000 | 1,740 |
Average equity | $40,260,000 | 1,842 |
Average total loans | $343,442,250 | 1,431 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2469% | 105 |
Cost of funding earning assets | 0.8588% | 881 |
Net interest margin | 5.3880% | 127 |
Noninterest income to average assets | 0.5940% | 2,352 |
Noninterest expense to average assets | 3.3992% | 1,134 |
Loan and lease loss provision to assets | 0.5340% | 207 |
Net operating income to assets | 1.3565% | 1,580 |
Return on assets (ROA) | 1.3565% | 1,585 |
Pretax return on assets | 1.6426% | 1,365 |
Return on Equity (ROE) | 13.3846% | 1,242 |
Retained earnings to average equity (ytd only) | 6.3533% | 2,385 |
Net charge-offs to loans | 0.2680% | 597 |
Credit loss provision to net charge-offs | 232.0796% | 1,188 |
Earnings coverage of net charge-offs (x) | 9.4602% | 2,391 |
Efficiency ratio | 60.7084% | 3,814 |
Assets per employee ($millions) | 5.2285% | 2,166 |
Cash dividends to net income (ytd only)* | 52.5328% | 1,576 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9380% | 584 |
Loan loss allowance to noncurrent loans | 328.5995% | 1,532 |
Noncurrent assets plus other real estate owned to assets | 0.8224% | 1,825 |
Noncurrent loans to loans | 0.5898% | 2,648 |
Net loans and leases to total assets | 82.9648% | 582 |
Net loans and leases to deposits | 96.2154% | 1,115 |
Net loans and leases to core deposits | 115.1484% | 742 |
Total domestic deposits to total assets | 86.2282% | 2,177 |
Equity capital to assets | 9.9310% | 3,691 |
Core capital (leverage) ratio | 9.9420% | 3,644 |
Tier 1 risk-based capital ratio | 10.9585% | 5,072 |
Total risk-based capital ratio | 12.2162% | 4,963 |
Memoranda: | ||
Average total assets | $392,920,670 | 1,757 |
Average earning assets | $363,286,000 | 1,764 |
Average equity | $39,822,000 | 1,869 |
Average total loans | $337,261,330 | 1,452 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1524% | 112 |
Cost of funding earning assets | 0.7946% | 971 |
Net interest margin | 5.3578% | 126 |
Noninterest income to average assets | 0.5251% | 2,660 |
Noninterest expense to average assets | 3.5520% | 923 |
Loan and lease loss provision to assets | 0.5438% | 193 |
Net operating income to assets | 1.1965% | 2,021 |
Return on assets (ROA) | 1.1965% | 2,036 |
Pretax return on assets | 1.3833% | 2,069 |
Return on Equity (ROE) | 11.6811% | 1,695 |
Retained earnings to average equity (ytd only) | 4.5894% | 3,368 |
Net charge-offs to loans | 0.2976% | 512 |
Credit loss provision to net charge-offs | 211.2903% | 1,012 |
Earnings coverage of net charge-offs (x) | 7.4879% | 2,084 |
Efficiency ratio | 64.5644% | 3,394 |
Assets per employee ($millions) | 5.1690% | 2,282 |
Cash dividends to net income (ytd only)* | 60.7112% | 1,230 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8841% | 676 |
Loan loss allowance to noncurrent loans | 462.6453% | 1,178 |
Noncurrent assets plus other real estate owned to assets | 0.6771% | 2,304 |
Noncurrent loans to loans | 0.4073% | 3,329 |
Net loans and leases to total assets | 83.2896% | 512 |
Net loans and leases to deposits | 96.6563% | 963 |
Net loans and leases to core deposits | 116.4045% | 713 |
Total domestic deposits to total assets | 86.1709% | 2,467 |
Equity capital to assets | 9.9777% | 3,617 |
Core capital (leverage) ratio | 10.0754% | 3,451 |
Tier 1 risk-based capital ratio | 10.9614% | 5,149 |
Total risk-based capital ratio | 12.2183% | 5,049 |
Memoranda: | ||
Average total assets | $385,468,500 | 1,796 |
Average earning assets | $356,415,000 | 1,806 |
Average equity | $39,482,500 | 1,892 |
Average total loans | $333,373,000 | 1,472 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0611% | 122 |
Cost of funding earning assets | 0.7073% | 986 |
Net interest margin | 5.3538% | 130 |
Noninterest income to average assets | 0.3526% | 3,947 |
Noninterest expense to average assets | 3.1755% | 1,665 |
Loan and lease loss provision to assets | 0.6344% | 199 |
Net operating income to assets | 0.8365% | 3,006 |
Return on assets (ROA) | 0.8366% | 3,043 |
Pretax return on assets | 1.4807% | 1,716 |
Return on Equity (ROE) | 7.7411% | 2,927 |
Retained earnings to average equity (ytd only) | 0.6041% | 4,800 |
Net charge-offs to loans | 0.6125% | 375 |
Credit loss provision to net charge-offs | 118.2845% | 2,213 |
Earnings coverage of net charge-offs (x) | 3.9430% | 3,534 |
Efficiency ratio | 59.6803% | 4,307 |
Assets per employee ($millions) | 4.8431% | 2,681 |
Cash dividends to net income (ytd only)* | 92.1962% | 497 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8518% | 707 |
Loan loss allowance to noncurrent loans | 218.9073% | 2,139 |
Noncurrent assets plus other real estate owned to assets | 1.0828% | 1,409 |
Noncurrent loans to loans | 0.8459% | 2,103 |
Net loans and leases to total assets | 86.5556% | 217 |
Net loans and leases to deposits | 101.3120% | 636 |
Net loans and leases to core deposits | 119.6711% | 597 |
Total domestic deposits to total assets | 85.4347% | 2,680 |
Equity capital to assets | 10.5256% | 3,143 |
Core capital (leverage) ratio | 10.3133% | 3,056 |
Tier 1 risk-based capital ratio | 11.2918% | 4,988 |
Total risk-based capital ratio | 12.5486% | 4,858 |
Memoranda: | ||
Average total assets | $362,999,200 | 1,854 |
Average earning assets | $334,790,000 | 1,867 |
Average equity | $39,232,400 | 1,889 |
Average total loans | $317,864,800 | 1,491 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0594% | 123 |
Cost of funding earning assets | 0.6919% | 1,001 |
Net interest margin | 5.3675% | 128 |
Noninterest income to average assets | 0.3047% | 4,352 |
Noninterest expense to average assets | 3.1824% | 1,597 |
Loan and lease loss provision to assets | 0.6749% | 165 |
Net operating income to assets | 0.9839% | 2,622 |
Return on assets (ROA) | 0.9841% | 2,683 |
Pretax return on assets | 1.3968% | 2,131 |
Return on Equity (ROE) | 9.0444% | 2,576 |
Retained earnings to average equity (ytd only) | 1.9068% | 4,676 |
Net charge-offs to loans | 0.6884% | 279 |
Credit loss provision to net charge-offs | 112.1696% | 2,120 |
Earnings coverage of net charge-offs (x) | 3.4425% | 3,340 |
Efficiency ratio | 60.2070% | 4,176 |
Assets per employee ($millions) | 4.7372% | 2,776 |
Cash dividends to net income (ytd only)* | 78.9177% | 676 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8099% | 844 |
Loan loss allowance to noncurrent loans | 250.8245% | 1,844 |
Noncurrent assets plus other real estate owned to assets | 0.9800% | 1,734 |
Noncurrent loans to loans | 0.7216% | 2,555 |
Net loans and leases to total assets | 87.0963% | 197 |
Net loans and leases to deposits | 104.2328% | 488 |
Net loans and leases to core deposits | 122.9925% | 488 |
Total domestic deposits to total assets | 83.5594% | 3,270 |
Equity capital to assets | 10.7161% | 3,149 |
Core capital (leverage) ratio | 10.7115% | 2,749 |
Tier 1 risk-based capital ratio | 11.5463% | 4,933 |
Total risk-based capital ratio | 12.8027% | 4,814 |
Memoranda: | ||
Average total assets | $360,518,750 | 1,877 |
Average earning assets | $332,410,750 | 1,890 |
Average equity | $39,227,500 | 1,904 |
Average total loans | $315,112,500 | 1,510 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0519% | 116 |
Cost of funding earning assets | 0.6753% | 1,019 |
Net interest margin | 5.3766% | 128 |
Noninterest income to average assets | 0.2914% | 4,473 |
Noninterest expense to average assets | 3.2311% | 1,515 |
Loan and lease loss provision to assets | 0.7535% | 139 |
Net operating income to assets | 0.9153% | 2,834 |
Return on assets (ROA) | 0.9157% | 2,884 |
Pretax return on assets | 1.2687% | 2,503 |
Return on Equity (ROE) | 8.3724% | 2,842 |
Retained earnings to average equity (ytd only) | 1.2121% | 4,758 |
Net charge-offs to loans | 0.8266% | 239 |
Credit loss provision to net charge-offs | 104.8249% | 1,953 |
Earnings coverage of net charge-offs (x) | 2.8125% | 3,122 |
Efficiency ratio | 61.0969% | 4,149 |
Assets per employee ($millions) | 4.6268% | 2,898 |
Cash dividends to net income (ytd only)* | 85.5223% | 725 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8180% | 851 |
Loan loss allowance to noncurrent loans | 342.2078% | 1,419 |
Noncurrent assets plus other real estate owned to assets | 0.8174% | 2,164 |
Noncurrent loans to loans | 0.5312% | 3,171 |
Net loans and leases to total assets | 86.7507% | 224 |
Net loans and leases to deposits | 101.8673% | 616 |
Net loans and leases to core deposits | 122.6079% | 476 |
Total domestic deposits to total assets | 85.1605% | 2,750 |
Equity capital to assets | 10.8799% | 2,943 |
Core capital (leverage) ratio | 10.6141% | 2,791 |
Tier 1 risk-based capital ratio | 11.7130% | 4,832 |
Total risk-based capital ratio | 12.9694% | 4,707 |
Memoranda: | ||
Average total assets | $357,525,000 | 1,895 |
Average earning assets | $329,910,330 | 1,906 |
Average equity | $39,104,670 | 1,910 |
Average total loans | $310,899,000 | 1,524 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0182% | 119 |
Cost of funding earning assets | 0.6703% | 976 |
Net interest margin | 5.3479% | 126 |
Noninterest income to average assets | 0.3372% | 4,148 |
Noninterest expense to average assets | 3.2464% | 1,486 |
Loan and lease loss provision to assets | 1.0735% | 81 |
Net operating income to assets | 0.7543% | 3,458 |
Return on assets (ROA) | 0.7543% | 3,511 |
Pretax return on assets | 0.9499% | 3,587 |
Return on Equity (ROE) | 6.8777% | 3,458 |
Retained earnings to average equity (ytd only) | -0.2972% | 4,966 |
Net charge-offs to loans | 1.2616% | 136 |
Credit loss provision to net charge-offs | 98.6570% | 1,631 |
Earnings coverage of net charge-offs (x) | 1.8595% | 2,670 |
Efficiency ratio | 61.0708% | 4,307 |
Assets per employee ($millions) | 4.6109% | 2,994 |
Cash dividends to net income (ytd only)* | 104.3219% | 659 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8549% | 864 |
Loan loss allowance to noncurrent loans | 346.0980% | 1,436 |
Noncurrent assets plus other real estate owned to assets | 0.8088% | 2,276 |
Noncurrent loans to loans | 0.5359% | 3,203 |
Net loans and leases to total assets | 84.1680% | 351 |
Net loans and leases to deposits | 96.4211% | 901 |
Net loans and leases to core deposits | 115.4478% | 611 |
Total domestic deposits to total assets | 87.2921% | 2,077 |
Equity capital to assets | 10.8444% | 2,806 |
Core capital (leverage) ratio | 10.6557% | 2,730 |
Tier 1 risk-based capital ratio | 12.0372% | 4,687 |
Total risk-based capital ratio | 13.2940% | 4,579 |
Memoranda: | ||
Average total assets | $355,840,500 | 1,910 |
Average earning assets | $328,204,500 | 1,920 |
Average equity | $39,024,500 | 1,916 |
Average total loans | $306,911,000 | 1,548 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0503% | 117 |
Cost of funding earning assets | 0.6666% | 970 |
Net interest margin | 5.3837% | 132 |
Noninterest income to average assets | 0.5851% | 2,739 |
Noninterest expense to average assets | 3.3012% | 1,575 |
Loan and lease loss provision to assets | 0.6020% | 216 |
Net operating income to assets | 1.1655% | 1,625 |
Return on assets (ROA) | 1.1655% | 1,723 |
Pretax return on assets | 1.6704% | 1,080 |
Return on Equity (ROE) | 10.4160% | 1,799 |
Retained earnings to average equity (ytd only) | 3.6456% | 3,325 |
Net charge-offs to loans | 0.5988% | 385 |
Credit loss provision to net charge-offs | 120.0465% | 2,210 |
Earnings coverage of net charge-offs (x) | 4.5317% | 3,484 |
Efficiency ratio | 58.7119% | 4,758 |
Assets per employee ($millions) | 4.6320% | 2,915 |
Cash dividends to net income (ytd only)* | 65.0000% | 1,542 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8776% | 842 |
Loan loss allowance to noncurrent loans | 206.9289% | 2,194 |
Noncurrent assets plus other real estate owned to assets | 1.1454% | 1,607 |
Noncurrent loans to loans | 0.9074% | 2,281 |
Net loans and leases to total assets | 85.1223% | 294 |
Net loans and leases to deposits | 97.8679% | 833 |
Net loans and leases to core deposits | 115.1252% | 652 |
Total domestic deposits to total assets | 86.9767% | 2,159 |
Equity capital to assets | 11.0920% | 2,548 |
Core capital (leverage) ratio | 10.9541% | 2,385 |
Tier 1 risk-based capital ratio | 12.2225% | 4,559 |
Total risk-based capital ratio | 13.4796% | 4,433 |
Memoranda: | ||
Average total assets | $343,212,000 | 1,933 |
Average earning assets | $318,017,600 | 1,928 |
Average equity | $38,402,400 | 1,915 |
Average total loans | $287,392,600 | 1,576 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0679% | 110 |
Cost of funding earning assets | 0.6617% | 999 |
Net interest margin | 5.4062% | 128 |
Noninterest income to average assets | 0.6479% | 2,431 |
Noninterest expense to average assets | 3.3257% | 1,503 |
Loan and lease loss provision to assets | 0.6139% | 190 |
Net operating income to assets | 1.2109% | 1,607 |
Return on assets (ROA) | 1.2109% | 1,702 |
Pretax return on assets | 1.7207% | 1,058 |
Return on Equity (ROE) | 10.7978% | 1,751 |
Retained earnings to average equity (ytd only) | 3.9991% | 3,459 |
Net charge-offs to loans | 0.6028% | 344 |
Credit loss provision to net charge-offs | 122.7522% | 2,058 |
Earnings coverage of net charge-offs (x) | 4.6685% | 3,241 |
Efficiency ratio | 58.2441% | 4,779 |
Assets per employee ($millions) | 4.9422% | 2,431 |
Cash dividends to net income (ytd only)* | 62.9643% | 1,310 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9110% | 837 |
Loan loss allowance to noncurrent loans | 241.4966% | 1,946 |
Noncurrent assets plus other real estate owned to assets | 1.0449% | 1,971 |
Noncurrent loans to loans | 0.7913% | 2,697 |
Net loans and leases to total assets | 84.2714% | 387 |
Net loans and leases to deposits | 97.7476% | 879 |
Net loans and leases to core deposits | 115.8545% | 662 |
Total domestic deposits to total assets | 86.2132% | 2,254 |
Equity capital to assets | 11.2237% | 2,773 |
Core capital (leverage) ratio | 11.0314% | 2,418 |
Tier 1 risk-based capital ratio | 12.0310% | 4,774 |
Total risk-based capital ratio | 13.2879% | 4,668 |
Memoranda: | ||
Average total assets | $341,007,500 | 1,945 |
Average earning assets | $316,170,500 | 1,943 |
Average equity | $38,241,250 | 1,925 |
Average total loans | $282,893,250 | 1,603 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0125% | 125 |
Cost of funding earning assets | 0.6531% | 1,040 |
Net interest margin | 5.3594% | 139 |
Noninterest income to average assets | 0.6707% | 2,274 |
Noninterest expense to average assets | 3.3457% | 1,495 |
Loan and lease loss provision to assets | 0.6035% | 183 |
Net operating income to assets | 1.2205% | 1,531 |
Return on assets (ROA) | 1.2205% | 1,628 |
Pretax return on assets | 1.6979% | 1,095 |
Return on Equity (ROE) | 10.8870% | 1,690 |
Retained earnings to average equity (ytd only) | 4.0531% | 3,325 |
Net charge-offs to loans | 0.6458% | 319 |
Credit loss provision to net charge-offs | 114.0312% | 1,926 |
Earnings coverage of net charge-offs (x) | 4.3486% | 2,996 |
Efficiency ratio | 58.7351% | 4,803 |
Assets per employee ($millions) | 4.9499% | 2,357 |
Cash dividends to net income (ytd only)* | 62.7716% | 1,424 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8954% | 905 |
Loan loss allowance to noncurrent loans | 161.5880% | 2,718 |
Noncurrent assets plus other real estate owned to assets | 1.0161% | 2,111 |
Noncurrent loans to loans | 1.1730% | 1,958 |
Net loans and leases to total assets | 84.8070% | 354 |
Net loans and leases to deposits | 99.8723% | 704 |
Net loans and leases to core deposits | 118.0946% | 566 |
Total domestic deposits to total assets | 84.9154% | 2,918 |
Equity capital to assets | 11.4277% | 2,619 |
Core capital (leverage) ratio | 10.9844% | 2,443 |
Tier 1 risk-based capital ratio | 12.2904% | 4,651 |
Total risk-based capital ratio | 13.5475% | 4,570 |
Memoranda: | ||
Average total assets | $339,358,330 | 1,964 |
Average earning assets | $315,111,000 | 1,962 |
Average equity | $38,045,330 | 1,939 |
Average total loans | $278,117,330 | 1,628 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8588% | 147 |
Cost of funding earning assets | 0.6400% | 1,104 |
Net interest margin | 5.2188% | 170 |
Noninterest income to average assets | 0.5834% | 2,623 |
Noninterest expense to average assets | 3.3069% | 1,583 |
Loan and lease loss provision to assets | 0.5611% | 205 |
Net operating income to assets | 1.2068% | 1,530 |
Return on assets (ROA) | 1.2068% | 1,634 |
Pretax return on assets | 1.5684% | 1,384 |
Return on Equity (ROE) | 10.8681% | 1,640 |
Retained earnings to average equity (ytd only) | 3.9962% | 3,492 |
Net charge-offs to loans | 0.9864% | 192 |
Credit loss provision to net charge-offs | 71.3433% | 1,897 |
Earnings coverage of net charge-offs (x) | 2.7075% | 2,645 |
Efficiency ratio | 60.2894% | 4,707 |
Assets per employee ($millions) | 4.6791% | 2,780 |
Cash dividends to net income (ytd only)* | 63.2296% | 1,359 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8967% | 975 |
Loan loss allowance to noncurrent loans | 236.6576% | 1,965 |
Noncurrent assets plus other real estate owned to assets | 0.6450% | 3,120 |
Noncurrent loans to loans | 0.8014% | 2,832 |
Net loans and leases to total assets | 78.6980% | 994 |
Net loans and leases to deposits | 92.1577% | 1,329 |
Net loans and leases to core deposits | 109.5515% | 872 |
Total domestic deposits to total assets | 85.3950% | 2,957 |
Equity capital to assets | 11.1408% | 2,783 |
Core capital (leverage) ratio | 10.8671% | 2,551 |
Tier 1 risk-based capital ratio | 12.7179% | 4,450 |
Total risk-based capital ratio | 13.9747% | 4,354 |
Memoranda: | ||
Average total assets | $340,740,000 | 1,963 |
Average earning assets | $316,855,500 | 1,955 |
Average equity | $37,835,500 | 1,942 |
Average total loans | $271,690,500 | 1,658 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0454% | 122 |
Cost of funding earning assets | 0.5995% | 1,358 |
Net interest margin | 5.4459% | 137 |
Noninterest income to average assets | 0.7153% | 2,124 |
Noninterest expense to average assets | 3.2932% | 1,734 |
Loan and lease loss provision to assets | 0.3305% | 480 |
Net operating income to assets | 1.4669% | 922 |
Return on assets (ROA) | 1.4669% | 951 |
Pretax return on assets | 2.1553% | 382 |
Return on Equity (ROE) | 13.5181% | 948 |
Retained earnings to average equity (ytd only) | 7.4426% | 1,115 |
Net charge-offs to loans | 0.2918% | 1,044 |
Credit loss provision to net charge-offs | 141.2292% | 1,862 |
Earnings coverage of net charge-offs (x) | 10.6210% | 2,668 |
Efficiency ratio | 56.4717% | 5,302 |
Assets per employee ($millions) | 4.4724% | 3,086 |
Cash dividends to net income (ytd only)* | 44.9438% | 2,594 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0006% | 800 |
Loan loss allowance to noncurrent loans | 208.8760% | 2,188 |
Noncurrent assets plus other real estate owned to assets | 0.7611% | 2,785 |
Noncurrent loans to loans | 0.9578% | 2,413 |
Net loans and leases to total assets | 77.6635% | 1,171 |
Net loans and leases to deposits | 90.8307% | 1,527 |
Net loans and leases to core deposits | 107.4233% | 1,007 |
Total domestic deposits to total assets | 85.5036% | 2,858 |
Equity capital to assets | 11.0669% | 2,756 |
Core capital (leverage) ratio | 10.7496% | 2,661 |
Tier 1 risk-based capital ratio | 12.6732% | 4,522 |
Total risk-based capital ratio | 13.9308% | 4,423 |
Memoranda: | ||
Average total assets | $333,690,000 | 1,973 |
Average earning assets | $310,267,400 | 1,956 |
Average equity | $36,210,600 | 1,968 |
Average total loans | $267,622,200 | 1,632 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0585% | 128 |
Cost of funding earning assets | 0.5923% | 1,457 |
Net interest margin | 5.4662% | 134 |
Noninterest income to average assets | 0.7539% | 2,007 |
Noninterest expense to average assets | 3.3271% | 1,629 |
Loan and lease loss provision to assets | 0.3488% | 384 |
Net operating income to assets | 1.4708% | 968 |
Return on assets (ROA) | 1.4708% | 1,005 |
Pretax return on assets | 2.1573% | 455 |
Return on Equity (ROE) | 13.6234% | 975 |
Retained earnings to average equity (ytd only) | 7.4884% | 1,449 |
Net charge-offs to loans | 0.2545% | 1,033 |
Credit loss provision to net charge-offs | 170.3922% | 1,529 |
Earnings coverage of net charge-offs (x) | 12.2412% | 2,423 |
Efficiency ratio | 56.5274% | 5,281 |
Assets per employee ($millions) | 4.4216% | 3,138 |
Cash dividends to net income (ytd only)* | 45.0329% | 2,089 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9945% | 916 |
Loan loss allowance to noncurrent loans | 309.7032% | 1,573 |
Noncurrent assets plus other real estate owned to assets | 0.5196% | 3,760 |
Noncurrent loans to loans | 0.6440% | 3,389 |
Net loans and leases to total assets | 78.3122% | 1,051 |
Net loans and leases to deposits | 91.7865% | 1,433 |
Net loans and leases to core deposits | 110.1124% | 869 |
Total domestic deposits to total assets | 85.3200% | 2,874 |
Equity capital to assets | 10.8552% | 3,188 |
Core capital (leverage) ratio | 10.5297% | 3,011 |
Tier 1 risk-based capital ratio | 12.3628% | 4,846 |
Total risk-based capital ratio | 13.6206% | 4,747 |
Memoranda: | ||
Average total assets | $332,136,000 | 1,992 |
Average earning assets | $308,630,000 | 1,982 |
Average equity | $35,859,000 | 1,999 |
Average total loans | $267,184,750 | 1,644 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0384% | 127 |
Cost of funding earning assets | 0.5862% | 1,513 |
Net interest margin | 5.4521% | 130 |
Noninterest income to average assets | 0.7463% | 2,010 |
Noninterest expense to average assets | 3.3605% | 1,552 |
Loan and lease loss provision to assets | 0.3862% | 320 |
Net operating income to assets | 1.4155% | 1,056 |
Return on assets (ROA) | 1.4155% | 1,091 |
Pretax return on assets | 2.0598% | 531 |
Return on Equity (ROE) | 13.1351% | 1,087 |
Retained earnings to average equity (ytd only) | 6.9366% | 1,725 |
Net charge-offs to loans | 0.2824% | 930 |
Credit loss provision to net charge-offs | 169.6000% | 1,412 |
Earnings coverage of net charge-offs (x) | 10.7413% | 2,343 |
Efficiency ratio | 57.3625% | 5,300 |
Assets per employee ($millions) | 4.3343% | 3,239 |
Cash dividends to net income (ytd only)* | 47.1900% | 2,054 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0160% | 962 |
Loan loss allowance to noncurrent loans | 434.2298% | 1,173 |
Noncurrent assets plus other real estate owned to assets | 0.4502% | 4,129 |
Noncurrent loans to loans | 0.4643% | 4,091 |
Net loans and leases to total assets | 76.5966% | 1,291 |
Net loans and leases to deposits | 90.6318% | 1,520 |
Net loans and leases to core deposits | 109.1850% | 883 |
Total domestic deposits to total assets | 84.5141% | 3,338 |
Equity capital to assets | 10.6902% | 3,226 |
Core capital (leverage) ratio | 10.6715% | 2,767 |
Tier 1 risk-based capital ratio | 12.4649% | 4,833 |
Total risk-based capital ratio | 13.7230% | 4,740 |
Memoranda: | ||
Average total assets | $329,360,000 | 2,016 |
Average earning assets | $305,677,670 | 2,013 |
Average equity | $35,492,670 | 2,025 |
Average total loans | $265,562,670 | 1,656 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0394% | 123 |
Cost of funding earning assets | 0.5860% | 1,532 |
Net interest margin | 5.4534% | 127 |
Noninterest income to average assets | 0.6400% | 2,448 |
Noninterest expense to average assets | 3.4277% | 1,439 |
Loan and lease loss provision to assets | 0.3914% | 306 |
Net operating income to assets | 1.3169% | 1,223 |
Return on assets (ROA) | 1.3169% | 1,308 |
Pretax return on assets | 1.8720% | 753 |
Return on Equity (ROE) | 12.1700% | 1,299 |
Retained earnings to average equity (ytd only) | 5.9144% | 2,546 |
Net charge-offs to loans | 0.3471% | 702 |
Credit loss provision to net charge-offs | 137.6623% | 1,325 |
Earnings coverage of net charge-offs (x) | 7.9610% | 2,122 |
Efficiency ratio | 59.6886% | 5,133 |
Assets per employee ($millions) | 4.2989% | 3,370 |
Cash dividends to net income (ytd only)* | 51.4019% | 1,683 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9328% | 1,221 |
Loan loss allowance to noncurrent loans | 364.7558% | 1,329 |
Noncurrent assets plus other real estate owned to assets | 0.5105% | 3,985 |
Noncurrent loans to loans | 0.5299% | 3,983 |
Net loans and leases to total assets | 80.0419% | 680 |
Net loans and leases to deposits | 95.1901% | 891 |
Net loans and leases to core deposits | 117.8593% | 459 |
Total domestic deposits to total assets | 84.0863% | 3,790 |
Equity capital to assets | 10.8460% | 3,144 |
Core capital (leverage) ratio | 10.7324% | 2,714 |
Tier 1 risk-based capital ratio | 12.1683% | 5,134 |
Total risk-based capital ratio | 13.4254% | 5,036 |
Memoranda: | ||
Average total assets | $325,002,500 | 2,052 |
Average earning assets | $301,021,000 | 2,048 |
Average equity | $35,168,500 | 2,056 |
Average total loans | $266,203,000 | 1,647 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5227% | 90 |
Cost of funding earning assets | 0.6396% | 1,479 |
Net interest margin | 5.8830% | 90 |
Noninterest income to average assets | 0.6959% | 2,321 |
Noninterest expense to average assets | 3.2973% | 1,938 |
Loan and lease loss provision to assets | 0.3476% | 555 |
Net operating income to assets | 1.6842% | 592 |
Return on assets (ROA) | 1.6842% | 618 |
Pretax return on assets | 2.4911% | 191 |
Return on Equity (ROE) | 15.3276% | 722 |
Retained earnings to average equity (ytd only) | 3.2609% | 3,908 |
Net charge-offs to loans | 0.2574% | 1,673 |
Credit loss provision to net charge-offs | 158.0882% | 1,528 |
Earnings coverage of net charge-offs (x) | 12.9088% | 2,325 |
Efficiency ratio | 53.4099% | 5,889 |
Assets per employee ($millions) | 4.4901% | 3,058 |
Cash dividends to net income (ytd only)* | 78.7250% | 951 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9068% | 1,298 |
Loan loss allowance to noncurrent loans | 308.2117% | 1,596 |
Noncurrent assets plus other real estate owned to assets | 0.6524% | 3,611 |
Noncurrent loans to loans | 0.6186% | 3,828 |
Net loans and leases to total assets | 80.6323% | 655 |
Net loans and leases to deposits | 95.9009% | 905 |
Net loans and leases to core deposits | 109.6984% | 792 |
Total domestic deposits to total assets | 84.0788% | 3,680 |
Equity capital to assets | 10.7957% | 3,122 |
Core capital (leverage) ratio | 10.4530% | 3,000 |
Tier 1 risk-based capital ratio | 12.5568% | 5,004 |
Total risk-based capital ratio | 13.8148% | 4,911 |
Memoranda: | ||
Average total assets | $309,219,600 | 2,103 |
Average earning assets | $285,940,600 | 2,087 |
Average equity | $33,978,000 | 2,053 |
Average total loans | $264,226,400 | 1,607 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5012% | 89 |
Cost of funding earning assets | 0.6454% | 1,487 |
Net interest margin | 5.8558% | 91 |
Noninterest income to average assets | 0.6730% | 2,463 |
Noninterest expense to average assets | 3.3112% | 1,879 |
Loan and lease loss provision to assets | 0.3816% | 453 |
Net operating income to assets | 1.6203% | 715 |
Return on assets (ROA) | 1.6203% | 744 |
Pretax return on assets | 2.3935% | 257 |
Return on Equity (ROE) | 14.6774% | 882 |
Retained earnings to average equity (ytd only) | 0.0593% | 5,779 |
Net charge-offs to loans | 0.1774% | 2,032 |
Credit loss provision to net charge-offs | 249.2877% | 1,057 |
Earnings coverage of net charge-offs (x) | 18.1281% | 1,860 |
Efficiency ratio | 54.1383% | 5,808 |
Assets per employee ($millions) | 4.4901% | 2,988 |
Cash dividends to net income (ytd only)* | 99.5962% | 371 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9252% | 1,398 |
Loan loss allowance to noncurrent loans | 312.2596% | 1,473 |
Noncurrent assets plus other real estate owned to assets | 0.7582% | 3,540 |
Noncurrent loans to loans | 0.6166% | 4,076 |
Net loans and leases to total assets | 83.0286% | 402 |
Net loans and leases to deposits | 98.8217% | 684 |
Net loans and leases to core deposits | 114.7398% | 560 |
Total domestic deposits to total assets | 84.0186% | 3,756 |
Equity capital to assets | 10.6065% | 3,426 |
Core capital (leverage) ratio | 10.5475% | 2,985 |
Tier 1 risk-based capital ratio | 11.9558% | 5,517 |
Total risk-based capital ratio | 13.2141% | 5,426 |
Memoranda: | ||
Average total assets | $305,703,000 | 2,137 |
Average earning assets | $282,605,750 | 2,124 |
Average equity | $33,747,250 | 2,067 |
Average total loans | $263,848,000 | 1,614 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5493% | 90 |
Cost of funding earning assets | 0.6572% | 1,454 |
Net interest margin | 5.8921% | 90 |
Noninterest income to average assets | 0.6438% | 2,581 |
Noninterest expense to average assets | 3.3185% | 1,874 |
Loan and lease loss provision to assets | 0.3611% | 483 |
Net operating income to assets | 1.6241% | 668 |
Return on assets (ROA) | 1.6241% | 698 |
Pretax return on assets | 2.4026% | 255 |
Return on Equity (ROE) | 14.5113% | 873 |
Retained earnings to average equity (ytd only) | -5.0585% | 6,239 |
Net charge-offs to loans | 0.1673% | 2,054 |
Credit loss provision to net charge-offs | 248.4018% | 1,001 |
Earnings coverage of net charge-offs (x) | 19.0137% | 1,647 |
Efficiency ratio | 54.3213% | 5,885 |
Assets per employee ($millions) | 4.3888% | 3,104 |
Cash dividends to net income (ytd only)* | 134.8590% | 277 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8598% | 1,679 |
Loan loss allowance to noncurrent loans | 321.3505% | 1,425 |
Noncurrent assets plus other real estate owned to assets | 0.8366% | 3,468 |
Noncurrent loans to loans | 0.5787% | 4,286 |
Net loans and leases to total assets | 85.8326% | 186 |
Net loans and leases to deposits | 105.5837% | 316 |
Net loans and leases to core deposits | 122.1721% | 334 |
Total domestic deposits to total assets | 81.2934% | 4,877 |
Equity capital to assets | 10.7238% | 3,171 |
Core capital (leverage) ratio | 10.5586% | 2,880 |
Tier 1 risk-based capital ratio | 11.7490% | 5,668 |
Total risk-based capital ratio | 13.0068% | 5,601 |
Memoranda: | ||
Average total assets | $301,338,670 | 2,166 |
Average earning assets | $278,136,670 | 2,154 |
Average equity | $33,725,330 | 2,058 |
Average total loans | $261,834,670 | 1,624 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4873% | 92 |
Cost of funding earning assets | 0.6646% | 1,478 |
Net interest margin | 5.8227% | 93 |
Noninterest income to average assets | 0.6743% | 2,326 |
Noninterest expense to average assets | 3.3472% | 1,834 |
Loan and lease loss provision to assets | 0.3646% | 473 |
Net operating income to assets | 1.5737% | 701 |
Return on assets (ROA) | 1.5737% | 728 |
Pretax return on assets | 2.3297% | 295 |
Return on Equity (ROE) | 13.7650% | 985 |
Retained earnings to average equity (ytd only) | 9.0751% | 1,221 |
Net charge-offs to loans | 0.1130% | 2,047 |
Credit loss provision to net charge-offs | 372.6027% | 687 |
Earnings coverage of net charge-offs (x) | 27.5342% | 1,104 |
Efficiency ratio | 55.1586% | 5,911 |
Assets per employee ($millions) | 4.2885% | 3,362 |
Cash dividends to net income (ytd only)* | 34.0716% | 2,181 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8587% | 1,874 |
Loan loss allowance to noncurrent loans | 288.9087% | 1,534 |
Noncurrent assets plus other real estate owned to assets | 0.9127% | 3,446 |
Noncurrent loans to loans | 0.6434% | 4,252 |
Net loans and leases to total assets | 85.6739% | 155 |
Net loans and leases to deposits | 106.2120% | 233 |
Net loans and leases to core deposits | 121.5203% | 295 |
Total domestic deposits to total assets | 80.6632% | 5,331 |
Equity capital to assets | 11.5026% | 2,243 |
Core capital (leverage) ratio | 11.3798% | 2,067 |
Tier 1 risk-based capital ratio | 12.6686% | 5,209 |
Total risk-based capital ratio | 13.9255% | 5,139 |
Memoranda: | ||
Average total assets | $298,401,500 | 2,185 |
Average earning assets | $275,060,500 | 2,186 |
Average equity | $34,115,500 | 2,027 |
Average total loans | $258,409,000 | 1,645 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9037% | 65 |
Cost of funding earning assets | 0.7413% | 1,558 |
Net interest margin | 6.1624% | 71 |
Noninterest income to average assets | 0.7371% | 2,349 |
Noninterest expense to average assets | 3.2864% | 2,175 |
Loan and lease loss provision to assets | 0.4417% | 664 |
Net operating income to assets | 1.8279% | 460 |
Return on assets (ROA) | 1.8279% | 465 |
Pretax return on assets | 2.7292% | 159 |
Return on Equity (ROE) | 16.4154% | 574 |
Retained earnings to average equity (ytd only) | 12.2879% | 287 |
Net charge-offs to loans | 0.2846% | 2,269 |
Credit loss provision to net charge-offs | 179.2185% | 1,279 |
Earnings coverage of net charge-offs (x) | 12.8668% | 2,090 |
Efficiency ratio | 50.6033% | 6,376 |
Assets per employee ($millions) | 4.2791% | 3,303 |
Cash dividends to net income (ytd only)* | 25.1437% | 3,501 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8301% | 1,974 |
Loan loss allowance to noncurrent loans | 435.7224% | 1,078 |
Noncurrent assets plus other real estate owned to assets | 0.5218% | 4,682 |
Noncurrent loans to loans | 0.4200% | 4,944 |
Net loans and leases to total assets | 87.2956% | 108 |
Net loans and leases to deposits | 110.7863% | 163 |
Net loans and leases to core deposits | 126.6768% | 231 |
Total domestic deposits to total assets | 78.7964% | 5,689 |
Equity capital to assets | 11.4692% | 2,190 |
Core capital (leverage) ratio | 11.2391% | 2,164 |
Tier 1 risk-based capital ratio | 12.0248% | 5,599 |
Total risk-based capital ratio | 13.2812% | 5,532 |
Memoranda: | ||
Average total assets | $228,459,400 | 2,732 |
Average earning assets | $212,059,600 | 2,697 |
Average equity | $25,439,600 | 2,592 |
Average total loans | $197,791,800 | 2,021 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8784% | 66 |
Cost of funding earning assets | 0.7570% | 1,558 |
Net interest margin | 6.1214% | 72 |
Noninterest income to average assets | 0.7527% | 2,358 |
Noninterest expense to average assets | 3.2807% | 2,116 |
Loan and lease loss provision to assets | 0.5933% | 413 |
Net operating income to assets | 1.7118% | 617 |
Return on assets (ROA) | 1.7118% | 645 |
Pretax return on assets | 2.5609% | 231 |
Return on Equity (ROE) | 15.4932% | 714 |
Retained earnings to average equity (ytd only) | 11.7676% | 457 |
Net charge-offs to loans | 0.2374% | 2,380 |
Credit loss provision to net charge-offs | 290.7781% | 876 |
Earnings coverage of net charge-offs (x) | 15.4580% | 1,862 |
Efficiency ratio | 50.6808% | 6,355 |
Assets per employee ($millions) | 4.2521% | 3,327 |
Cash dividends to net income (ytd only)* | 24.0467% | 2,934 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9822% | 1,765 |
Loan loss allowance to noncurrent loans | 504.4888% | 875 |
Noncurrent assets plus other real estate owned to assets | 0.4652% | 5,036 |
Noncurrent loans to loans | 0.3929% | 5,216 |
Net loans and leases to total assets | 85.5489% | 166 |
Net loans and leases to deposits | 106.5727% | 225 |
Net loans and leases to core deposits | 123.2772% | 272 |
Total domestic deposits to total assets | 80.2728% | 5,436 |
Equity capital to assets | 11.1599% | 2,609 |
Core capital (leverage) ratio | 11.0382% | 2,441 |
Tier 1 risk-based capital ratio | 11.6961% | 5,947 |
Total risk-based capital ratio | 12.9542% | 5,906 |
Memoranda: | ||
Average total assets | $226,736,250 | 2,774 |
Average earning assets | $210,469,750 | 2,734 |
Average equity | $25,051,250 | 2,651 |
Average total loans | $194,919,250 | 2,050 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8408% | 68 |
Cost of funding earning assets | 0.7710% | 1,579 |
Net interest margin | 6.0698% | 75 |
Noninterest income to average assets | 0.7666% | 2,345 |
Noninterest expense to average assets | 3.2911% | 2,095 |
Loan and lease loss provision to assets | 0.6721% | 354 |
Net operating income to assets | 1.6268% | 711 |
Return on assets (ROA) | 1.6268% | 778 |
Pretax return on assets | 2.4318% | 299 |
Return on Equity (ROE) | 14.7761% | 852 |
Retained earnings to average equity (ytd only) | 11.9424% | 503 |
Net charge-offs to loans | 0.3357% | 1,846 |
Credit loss provision to net charge-offs | 234.1615% | 1,059 |
Earnings coverage of net charge-offs (x) | 10.8137% | 2,121 |
Efficiency ratio | 51.1570% | 6,341 |
Assets per employee ($millions) | 4.0103% | 3,777 |
Cash dividends to net income (ytd only)* | 19.1781% | 3,028 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9153% | 2,075 |
Loan loss allowance to noncurrent loans | 567.8571% | 771 |
Noncurrent assets plus other real estate owned to assets | 0.4092% | 5,254 |
Noncurrent loans to loans | 0.3373% | 5,451 |
Net loans and leases to total assets | 87.0182% | 117 |
Net loans and leases to deposits | 108.9928% | 163 |
Net loans and leases to core deposits | 125.3605% | 233 |
Total domestic deposits to total assets | 79.8385% | 5,646 |
Equity capital to assets | 11.2928% | 2,475 |
Core capital (leverage) ratio | 10.8738% | 2,477 |
Tier 1 risk-based capital ratio | 11.7309% | 5,970 |
Total risk-based capital ratio | 12.9885% | 5,922 |
Memoranda: | ||
Average total assets | $224,360,000 | 2,797 |
Average earning assets | $208,045,670 | 2,770 |
Average equity | $24,702,000 | 2,696 |
Average total loans | $191,854,000 | 2,083 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6681% | 80 |
Cost of funding earning assets | 0.7885% | 1,592 |
Net interest margin | 5.8797% | 88 |
Noninterest income to average assets | 0.7902% | 2,162 |
Noninterest expense to average assets | 3.2321% | 2,261 |
Loan and lease loss provision to assets | 0.6279% | 396 |
Net operating income to assets | 1.5750% | 741 |
Return on assets (ROA) | 1.5750% | 803 |
Pretax return on assets | 2.3705% | 318 |
Return on Equity (ROE) | 14.4917% | 864 |
Retained earnings to average equity (ytd only) | 14.4917% | 398 |
Net charge-offs to loans | 0.3763% | 1,514 |
Credit loss provision to net charge-offs | 198.8701% | 1,101 |
Earnings coverage of net charge-offs (x) | 9.4972% | 1,830 |
Efficiency ratio | 51.5603% | 6,405 |
Assets per employee ($millions) | 4.1283% | 3,682 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8937% | 2,321 |
Loan loss allowance to noncurrent loans | 594.1569% | 745 |
Noncurrent assets plus other real estate owned to assets | 0.3902% | 5,418 |
Noncurrent loans to loans | 0.3187% | 5,603 |
Net loans and leases to total assets | 81.2036% | 333 |
Net loans and leases to deposits | 100.8026% | 322 |
Net loans and leases to core deposits | 114.9465% | 372 |
Total domestic deposits to total assets | 80.5570% | 5,612 |
Equity capital to assets | 10.9284% | 3,045 |
Core capital (leverage) ratio | 10.6732% | 2,571 |
Tier 1 risk-based capital ratio | 12.1457% | 5,823 |
Total risk-based capital ratio | 13.4027% | 5,778 |
Memoranda: | ||
Average total assets | $224,252,000 | 2,831 |
Average earning assets | $207,494,500 | 2,817 |
Average equity | $24,372,500 | 2,767 |
Average total loans | $188,162,000 | 2,132 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9899% | 77 |
Cost of funding earning assets | 0.9636% | 1,564 |
Net interest margin | 6.0263% | 85 |
Noninterest income to average assets | 0.8605% | 1,993 |
Noninterest expense to average assets | 3.2984% | 2,340 |
Loan and lease loss provision to assets | 0.5369% | 1,076 |
Net operating income to assets | 1.6969% | 621 |
Return on assets (ROA) | 1.6969% | 701 |
Pretax return on assets | 2.5752% | 233 |
Return on Equity (ROE) | 15.3538% | 753 |
Retained earnings to average equity (ytd only) | 9.4719% | 703 |
Net charge-offs to loans | 0.4303% | 2,515 |
Credit loss provision to net charge-offs | 144.8052% | 1,890 |
Earnings coverage of net charge-offs (x) | 8.3935% | 2,421 |
Efficiency ratio | 51.1305% | 6,517 |
Assets per employee ($millions) | 4.2586% | 3,447 |
Cash dividends to net income (ytd only)* | 38.3087% | 2,951 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7963% | 2,594 |
Loan loss allowance to noncurrent loans | 361.1526% | 1,094 |
Noncurrent assets plus other real estate owned to assets | 0.4985% | 5,228 |
Noncurrent loans to loans | 0.4974% | 5,290 |
Net loans and leases to total assets | 83.5426% | 244 |
Net loans and leases to deposits | 103.8083% | 269 |
Net loans and leases to core deposits | 118.0267% | 317 |
Total domestic deposits to total assets | 80.4778% | 5,551 |
Equity capital to assets | 10.8067% | 3,166 |
Core capital (leverage) ratio | 10.9868% | 2,267 |
Tier 1 risk-based capital ratio | 11.7215% | 5,943 |
Total risk-based capital ratio | 12.9779% | 5,912 |
Memoranda: | ||
Average total assets | $207,675,200 | 2,952 |
Average earning assets | $191,261,400 | 2,936 |
Average equity | $22,952,000 | 2,854 |
Average total loans | $178,928,600 | 2,218 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0231% | 79 |
Cost of funding earning assets | 1.0236% | 1,429 |
Net interest margin | 5.9995% | 89 |
Noninterest income to average assets | 0.9185% | 1,768 |
Noninterest expense to average assets | 3.2942% | 2,291 |
Loan and lease loss provision to assets | 0.5281% | 1,128 |
Net operating income to assets | 1.7294% | 651 |
Return on assets (ROA) | 1.7294% | 716 |
Pretax return on assets | 2.6250% | 244 |
Return on Equity (ROE) | 15.5541% | 811 |
Retained earnings to average equity (ytd only) | 11.1504% | 660 |
Net charge-offs to loans | 0.5399% | 1,986 |
Credit loss provision to net charge-offs | 113.1469% | 2,581 |
Earnings coverage of net charge-offs (x) | 6.7552% | 2,722 |
Efficiency ratio | 50.7594% | 6,531 |
Assets per employee ($millions) | 3.9705% | 3,930 |
Cash dividends to net income (ytd only)* | 28.3127% | 2,712 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7464% | 2,977 |
Loan loss allowance to noncurrent loans | 339.4366% | 1,103 |
Noncurrent assets plus other real estate owned to assets | 0.5991% | 5,179 |
Noncurrent loans to loans | 0.5145% | 5,412 |
Net loans and leases to total assets | 85.3732% | 169 |
Net loans and leases to deposits | 106.2535% | 230 |
Net loans and leases to core deposits | 121.9413% | 278 |
Total domestic deposits to total assets | 80.3486% | 5,564 |
Equity capital to assets | 11.4558% | 2,797 |
Core capital (leverage) ratio | 11.0469% | 2,333 |
Tier 1 risk-based capital ratio | 12.3551% | 5,731 |
Total risk-based capital ratio | 13.6112% | 5,702 |
Memoranda: | ||
Average total assets | $204,232,750 | 3,027 |
Average earning assets | $188,211,750 | 3,013 |
Average equity | $22,707,250 | 2,908 |
Average total loans | $176,564,500 | 2,277 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.9377% | 84 |
Cost of funding earning assets | 1.0552% | 1,435 |
Net interest margin | 5.8825% | 103 |
Noninterest income to average assets | 0.9052% | 1,767 |
Noninterest expense to average assets | 3.2591% | 2,414 |
Loan and lease loss provision to assets | 0.4944% | 1,287 |
Net operating income to assets | 1.6974% | 675 |
Return on assets (ROA) | 1.6974% | 759 |
Pretax return on assets | 2.5761% | 274 |
Return on Equity (ROE) | 15.4249% | 862 |
Retained earnings to average equity (ytd only) | 10.9591% | 755 |
Net charge-offs to loans | 0.4669% | 2,199 |
Credit loss provision to net charge-offs | 122.6829% | 2,237 |
Earnings coverage of net charge-offs (x) | 7.6195% | 2,448 |
Efficiency ratio | 51.1491% | 6,569 |
Assets per employee ($millions) | 4.2410% | 3,379 |
Cash dividends to net income (ytd only)* | 28.9519% | 2,669 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7798% | 2,925 |
Loan loss allowance to noncurrent loans | 343.0449% | 1,048 |
Noncurrent assets plus other real estate owned to assets | 0.5556% | 5,369 |
Noncurrent loans to loans | 0.5188% | 5,489 |
Net loans and leases to total assets | 84.9035% | 182 |
Net loans and leases to deposits | 105.2908% | 245 |
Net loans and leases to core deposits | 120.2694% | 309 |
Total domestic deposits to total assets | 80.6371% | 5,579 |
Equity capital to assets | 11.2811% | 2,815 |
Core capital (leverage) ratio | 10.7734% | 2,513 |
Tier 1 risk-based capital ratio | 12.4008% | 5,644 |
Total risk-based capital ratio | 13.6572% | 5,622 |
Memoranda: | ||
Average total assets | $203,489,000 | 3,049 |
Average earning assets | $187,642,000 | 3,023 |
Average equity | $22,392,330 | 2,937 |
Average total loans | $175,620,000 | 2,286 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8598% | 103 |
Cost of funding earning assets | 1.0796% | 1,502 |
Net interest margin | 5.7801% | 124 |
Noninterest income to average assets | 0.7334% | 2,476 |
Noninterest expense to average assets | 3.1831% | 2,659 |
Loan and lease loss provision to assets | 0.4601% | 1,340 |
Net operating income to assets | 1.5886% | 876 |
Return on assets (ROA) | 1.5886% | 984 |
Pretax return on assets | 2.4163% | 378 |
Return on Equity (ROE) | 14.6205% | 1,056 |
Retained earnings to average equity (ytd only) | 10.0968% | 1,248 |
Net charge-offs to loans | 0.5609% | 1,685 |
Credit loss provision to net charge-offs | 95.1220% | 2,456 |
Earnings coverage of net charge-offs (x) | 5.9472% | 2,271 |
Efficiency ratio | 52.1739% | 6,531 |
Assets per employee ($millions) | 3.8073% | 4,409 |
Cash dividends to net income (ytd only)* | 30.9406% | 2,062 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7221% | 3,259 |
Loan loss allowance to noncurrent loans | 175.3766% | 1,875 |
Noncurrent assets plus other real estate owned to assets | 0.9626% | 4,583 |
Noncurrent loans to loans | 0.9819% | 4,707 |
Net loans and leases to total assets | 84.0247% | 183 |
Net loans and leases to deposits | 103.1067% | 281 |
Net loans and leases to core deposits | 116.4510% | 374 |
Total domestic deposits to total assets | 81.4930% | 5,466 |
Equity capital to assets | 10.8890% | 3,041 |
Core capital (leverage) ratio | 10.5396% | 2,705 |
Tier 1 risk-based capital ratio | 12.1696% | 5,851 |
Total risk-based capital ratio | 13.4257% | 5,820 |
Memoranda: | ||
Average total assets | $203,448,500 | 3,067 |
Average earning assets | $187,469,500 | 3,045 |
Average equity | $22,106,000 | 2,969 |
Average total loans | $175,445,000 | 2,303 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0531% | 88 |
Cost of funding earning assets | 1.2522% | 1,724 |
Net interest margin | 5.8009% | 113 |
Noninterest income to average assets | 0.5944% | 3,194 |
Noninterest expense to average assets | 3.3580% | 2,346 |
Loan and lease loss provision to assets | 0.5461% | 1,913 |
Net operating income to assets | 1.3538% | 1,134 |
Return on assets (ROA) | 1.3538% | 1,220 |
Pretax return on assets | 2.0047% | 531 |
Return on Equity (ROE) | 12.9110% | 1,187 |
Retained earnings to average equity (ytd only) | 10.9695% | 408 |
Net charge-offs to loans | 0.3854% | 3,483 |
Credit loss provision to net charge-offs | 165.8423% | 1,634 |
Earnings coverage of net charge-offs (x) | 7.7465% | 2,273 |
Efficiency ratio | 56.2360% | 6,285 |
Assets per employee ($millions) | 3.7279% | 4,489 |
Cash dividends to net income (ytd only)* | 15.0376% | 3,720 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7354% | 3,073 |
Loan loss allowance to noncurrent loans | 196.1911% | 1,687 |
Noncurrent assets plus other real estate owned to assets | 0.8529% | 4,917 |
Noncurrent loans to loans | 0.8846% | 4,922 |
Net loans and leases to total assets | 85.4802% | 148 |
Net loans and leases to deposits | 105.0442% | 276 |
Net loans and leases to core deposits | 118.3621% | 390 |
Total domestic deposits to total assets | 81.3755% | 5,335 |
Equity capital to assets | 10.8418% | 3,144 |
Core capital (leverage) ratio | 10.3578% | 2,899 |
Tier 1 risk-based capital ratio | 11.9698% | 5,859 |
Total risk-based capital ratio | 13.2268% | 5,828 |
Memoranda: | ||
Average total assets | $196,485,800 | 3,094 |
Average earning assets | $180,007,000 | 3,089 |
Average equity | $20,602,600 | 3,053 |
Average total loans | $167,875,600 | 2,391 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0713% | 90 |
Cost of funding earning assets | 1.2921% | 1,749 |
Net interest margin | 5.7792% | 121 |
Noninterest income to average assets | 0.5046% | 3,839 |
Noninterest expense to average assets | 3.4336% | 2,109 |
Loan and lease loss provision to assets | 0.5011% | 1,977 |
Net operating income to assets | 1.2440% | 1,535 |
Return on assets (ROA) | 1.2440% | 1,637 |
Pretax return on assets | 1.8592% | 846 |
Return on Equity (ROE) | 11.9686% | 1,562 |
Retained earnings to average equity (ytd only) | 9.3410% | 1,028 |
Net charge-offs to loans | 0.3966% | 3,127 |
Credit loss provision to net charge-offs | 148.5830% | 2,116 |
Earnings coverage of net charge-offs (x) | 6.9980% | 2,439 |
Efficiency ratio | 58.5788% | 5,920 |
Assets per employee ($millions) | 3.6331% | 4,673 |
Cash dividends to net income (ytd only)* | 21.9539% | 2,846 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6859% | 3,316 |
Loan loss allowance to noncurrent loans | 216.6287% | 1,448 |
Noncurrent assets plus other real estate owned to assets | 0.7483% | 5,288 |
Noncurrent loans to loans | 0.7782% | 5,318 |
Net loans and leases to total assets | 84.8035% | 175 |
Net loans and leases to deposits | 103.2622% | 342 |
Net loans and leases to core deposits | 116.9118% | 473 |
Total domestic deposits to total assets | 82.1245% | 5,045 |
Equity capital to assets | 10.7009% | 3,467 |
Core capital (leverage) ratio | 10.1222% | 3,283 |
Tier 1 risk-based capital ratio | 11.8039% | 6,036 |
Total risk-based capital ratio | 13.0472% | 6,030 |
Memoranda: | ||
Average total assets | $195,281,000 | 3,128 |
Average earning assets | $178,728,250 | 3,131 |
Average equity | $20,297,000 | 3,102 |
Average total loans | $166,065,750 | 2,430 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0051% | 104 |
Cost of funding earning assets | 1.3256% | 1,795 |
Net interest margin | 5.6795% | 133 |
Noninterest income to average assets | 0.4975% | 3,875 |
Noninterest expense to average assets | 3.4763% | 2,050 |
Loan and lease loss provision to assets | 0.4934% | 1,994 |
Net operating income to assets | 1.1468% | 1,734 |
Return on assets (ROA) | 1.1468% | 1,809 |
Pretax return on assets | 1.7181% | 1,015 |
Return on Equity (ROE) | 11.1440% | 1,747 |
Retained earnings to average equity (ytd only) | 11.1440% | 642 |
Net charge-offs to loans | 0.4157% | 2,892 |
Credit loss provision to net charge-offs | 140.2332% | 2,169 |
Earnings coverage of net charge-offs (x) | 6.2857% | 2,427 |
Efficiency ratio | 60.2525% | 5,834 |
Assets per employee ($millions) | 3.5541% | 4,801 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6477% | 3,507 |
Loan loss allowance to noncurrent loans | 185.3774% | 1,632 |
Noncurrent assets plus other real estate owned to assets | 1.1760% | 4,533 |
Noncurrent loans to loans | 0.8888% | 5,193 |
Net loans and leases to total assets | 85.5607% | 157 |
Net loans and leases to deposits | 106.9146% | 239 |
Net loans and leases to core deposits | 118.4983% | 458 |
Total domestic deposits to total assets | 80.0272% | 5,818 |
Equity capital to assets | 10.7659% | 3,210 |
Core capital (leverage) ratio | 10.0516% | 3,201 |
Tier 1 risk-based capital ratio | 11.6497% | 6,052 |
Total risk-based capital ratio | 12.9047% | 6,043 |
Memoranda: | ||
Average total assets | $194,978,000 | 3,153 |
Average earning assets | $178,183,330 | 3,157 |
Average equity | $20,064,670 | 3,115 |
Average total loans | $165,011,330 | 2,469 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8077% | 135 |
Cost of funding earning assets | 1.3736% | 1,752 |
Net interest margin | 5.4341% | 180 |
Noninterest income to average assets | 0.5109% | 3,790 |
Noninterest expense to average assets | 3.4686% | 2,088 |
Loan and lease loss provision to assets | 0.4906% | 1,789 |
Net operating income to assets | 1.0137% | 2,144 |
Return on assets (ROA) | 1.0137% | 2,191 |
Pretax return on assets | 1.5124% | 1,410 |
Return on Equity (ROE) | 10.0779% | 2,069 |
Retained earnings to average equity (ytd only) | 10.0779% | 1,104 |
Net charge-offs to loans | 0.3706% | 2,584 |
Credit loss provision to net charge-offs | 158.5526% | 1,810 |
Earnings coverage of net charge-offs (x) | 6.4737% | 2,098 |
Efficiency ratio | 62.0164% | 5,676 |
Assets per employee ($millions) | 3.5854% | 4,787 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6432% | 3,560 |
Loan loss allowance to noncurrent loans | 167.8261% | 1,746 |
Noncurrent assets plus other real estate owned to assets | 1.2308% | 4,494 |
Noncurrent loans to loans | 0.9791% | 5,089 |
Net loans and leases to total assets | 83.5374% | 250 |
Net loans and leases to deposits | 101.6159% | 397 |
Net loans and leases to core deposits | 112.0273% | 658 |
Total domestic deposits to total assets | 82.2090% | 5,223 |
Equity capital to assets | 10.3280% | 3,372 |
Core capital (leverage) ratio | 9.7121% | 3,504 |
Tier 1 risk-based capital ratio | 11.3959% | 6,178 |
Total risk-based capital ratio | 12.6509% | 6,164 |
Memoranda: | ||
Average total assets | $196,506,500 | 3,163 |
Average earning assets | $179,385,000 | 3,154 |
Average equity | $19,766,000 | 3,150 |
Average total loans | $164,037,000 | 2,506 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0853% | 134 |
Cost of funding earning assets | 1.9125% | 806 |
Net interest margin | 5.1728% | 302 |
Noninterest income to average assets | 0.3760% | 5,088 |
Noninterest expense to average assets | 3.2949% | 2,753 |
Loan and lease loss provision to assets | 1.2063% | 1,294 |
Net operating income to assets | 0.3864% | 4,608 |
Return on assets (ROA) | 0.3864% | 4,751 |
Pretax return on assets | 0.5741% | 4,407 |
Return on Equity (ROE) | 4.0595% | 4,493 |
Retained earnings to average equity (ytd only) | 4.0595% | 3,018 |
Net charge-offs to loans | 1.2736% | 1,766 |
Credit loss provision to net charge-offs | 111.1323% | 3,952 |
Earnings coverage of net charge-offs (x) | 1.6402% | 4,507 |
Efficiency ratio | 63.4171% | 5,440 |
Assets per employee ($millions) | 3.6255% | 4,640 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5968% | 3,587 |
Loan loss allowance to noncurrent loans | 142.3978% | 2,090 |
Noncurrent assets plus other real estate owned to assets | 1.3179% | 4,391 |
Noncurrent loans to loans | 1.1214% | 4,866 |
Net loans and leases to total assets | 80.7521% | 570 |
Net loans and leases to deposits | 97.4822% | 753 |
Net loans and leases to core deposits | 105.0598% | 1,250 |
Total domestic deposits to total assets | 82.8379% | 4,867 |
Equity capital to assets | 9.7972% | 4,004 |
Core capital (leverage) ratio | 9.3758% | 3,889 |
Tier 1 risk-based capital ratio | 10.9953% | 6,329 |
Total risk-based capital ratio | 12.2444% | 6,305 |
Memoranda: | ||
Average total assets | $192,815,000 | 3,188 |
Average earning assets | $175,164,600 | 3,186 |
Average equity | $18,352,000 | 3,376 |
Average total loans | $164,337,800 | 2,560 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1082% | 129 |
Cost of funding earning assets | 2.0208% | 707 |
Net interest margin | 5.0874% | 367 |
Noninterest income to average assets | 0.3620% | 5,264 |
Noninterest expense to average assets | 3.4112% | 2,259 |
Loan and lease loss provision to assets | 1.3935% | 965 |
Net operating income to assets | 0.1297% | 5,690 |
Return on assets (ROA) | 0.1297% | 5,855 |
Pretax return on assets | 0.1716% | 5,793 |
Return on Equity (ROE) | 1.3734% | 5,800 |
Retained earnings to average equity (ytd only) | 1.3734% | 5,258 |
Net charge-offs to loans | 1.5512% | 1,288 |
Credit loss provision to net charge-offs | 104.3887% | 4,111 |
Earnings coverage of net charge-offs (x) | 1.1724% | 4,891 |
Efficiency ratio | 67.0077% | 4,650 |
Assets per employee ($millions) | 3.4862% | 5,016 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4918% | 4,002 |
Loan loss allowance to noncurrent loans | 81.5624% | 3,325 |
Noncurrent assets plus other real estate owned to assets | 1.9536% | 3,532 |
Noncurrent loans to loans | 1.8290% | 3,898 |
Net loans and leases to total assets | 83.3420% | 377 |
Net loans and leases to deposits | 100.5519% | 618 |
Net loans and leases to core deposits | 109.9149% | 1,036 |
Total domestic deposits to total assets | 82.8845% | 4,637 |
Equity capital to assets | 9.7369% | 4,487 |
Core capital (leverage) ratio | 9.1545% | 4,451 |
Tier 1 risk-based capital ratio | 10.5740% | 6,729 |
Total risk-based capital ratio | 11.8270% | 6,706 |
Memoranda: | ||
Average total assets | $191,167,750 | 3,263 |
Average earning assets | $173,392,500 | 3,262 |
Average equity | $18,056,000 | 3,462 |
Average total loans | $164,513,250 | 2,596 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1718% | 126 |
Cost of funding earning assets | 2.0883% | 687 |
Net interest margin | 5.0835% | 356 |
Noninterest income to average assets | 0.4299% | 4,678 |
Noninterest expense to average assets | 3.4823% | 2,069 |
Loan and lease loss provision to assets | 1.9166% | 644 |
Net operating income to assets | -0.2202% | 6,380 |
Return on assets (ROA) | -0.2202% | 6,425 |
Pretax return on assets | -0.3625% | 6,481 |
Return on Equity (ROE) | -2.3565% | 6,451 |
Retained earnings to average equity (ytd only) | -2.3565% | 6,200 |
Net charge-offs to loans | 1.6361% | 1,158 |
Credit loss provision to net charge-offs | 135.3423% | 2,960 |
Earnings coverage of net charge-offs (x) | 1.0975% | 4,695 |
Efficiency ratio | 67.5941% | 4,657 |
Assets per employee ($millions) | 3.4127% | 5,150 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7450% | 2,919 |
Loan loss allowance to noncurrent loans | 74.5820% | 3,624 |
Noncurrent assets plus other real estate owned to assets | 2.1040% | 3,373 |
Noncurrent loans to loans | 2.3397% | 3,325 |
Net loans and leases to total assets | 84.1161% | 342 |
Net loans and leases to deposits | 102.7287% | 547 |
Net loans and leases to core deposits | 114.2130% | 909 |
Total domestic deposits to total assets | 81.8818% | 5,038 |
Equity capital to assets | 9.7425% | 4,351 |
Core capital (leverage) ratio | 9.0153% | 4,577 |
Tier 1 risk-based capital ratio | 10.4194% | 6,746 |
Total risk-based capital ratio | 11.6756% | 6,725 |
Memoranda: | ||
Average total assets | $189,814,670 | 3,306 |
Average earning assets | $172,007,000 | 3,304 |
Average equity | $17,738,330 | 3,506 |
Average total loans | $164,294,330 | 2,631 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1520% | 132 |
Cost of funding earning assets | 2.1175% | 765 |
Net interest margin | 5.0344% | 389 |
Noninterest income to average assets | 0.3891% | 5,008 |
Noninterest expense to average assets | 3.4108% | 2,202 |
Loan and lease loss provision to assets | 3.2754% | 293 |
Net operating income to assets | -1.1249% | 7,180 |
Return on assets (ROA) | -1.1249% | 7,196 |
Pretax return on assets | -1.7424% | 7,333 |
Return on Equity (ROE) | -12.3020% | 7,228 |
Retained earnings to average equity (ytd only) | -12.3020% | 7,087 |
Net charge-offs to loans | 2.3251% | 724 |
Credit loss provision to net charge-offs | 161.8600% | 2,234 |
Earnings coverage of net charge-offs (x) | 0.7576% | 4,353 |
Efficiency ratio | 67.4080% | 4,830 |
Assets per employee ($millions) | 3.4006% | 5,291 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8024% | 2,722 |
Loan loss allowance to noncurrent loans | 59.2541% | 4,414 |
Noncurrent assets plus other real estate owned to assets | 3.0467% | 2,344 |
Noncurrent loans to loans | 3.0417% | 2,636 |
Net loans and leases to total assets | 85.0005% | 289 |
Net loans and leases to deposits | 102.8994% | 598 |
Net loans and leases to core deposits | 114.4048% | 1,021 |
Total domestic deposits to total assets | 82.6054% | 4,796 |
Equity capital to assets | 8.9412% | 5,366 |
Core capital (leverage) ratio | 8.2711% | 5,797 |
Tier 1 risk-based capital ratio | 9.3089% | 7,389 |
Total risk-based capital ratio | 10.5653% | 7,383 |
Memoranda: | ||
Average total assets | $189,166,000 | 3,376 |
Average earning assets | $171,142,000 | 3,385 |
Average equity | $17,298,000 | 3,603 |
Average total loans | $164,636,000 | 2,692 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1581% | 222 |
Cost of funding earning assets | 2.4046% | 1,285 |
Net interest margin | 4.7535% | 759 |
Noninterest income to average assets | 0.4622% | 4,701 |
Noninterest expense to average assets | 3.4008% | 2,678 |
Loan and lease loss provision to assets | 1.2512% | 1,849 |
Net operating income to assets | 0.1377% | 5,087 |
Return on assets (ROA) | 0.1377% | 5,154 |
Pretax return on assets | 0.1467% | 5,115 |
Return on Equity (ROE) | 1.4699% | 5,099 |
Retained earnings to average equity (ytd only) | 1.4699% | 4,036 |
Net charge-offs to loans | 0.7514% | 2,945 |
Credit loss provision to net charge-offs | 190.1372% | 2,107 |
Earnings coverage of net charge-offs (x) | 2.1244% | 4,137 |
Efficiency ratio | 69.6578% | 4,704 |
Assets per employee ($millions) | 3.6843% | 4,552 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4468% | 3,998 |
Loan loss allowance to noncurrent loans | 47.4188% | 5,223 |
Noncurrent assets plus other real estate owned to assets | 3.1804% | 2,172 |
Noncurrent loans to loans | 3.0511% | 2,529 |
Net loans and leases to total assets | 86.2447% | 264 |
Net loans and leases to deposits | 105.1562% | 593 |
Net loans and leases to core deposits | 160.1694% | 341 |
Total domestic deposits to total assets | 82.0159% | 4,940 |
Equity capital to assets | 9.3502% | 4,633 |
Core capital (leverage) ratio | 8.5498% | 5,197 |
Tier 1 risk-based capital ratio | 9.6117% | 7,151 |
Total risk-based capital ratio | 10.8640% | 7,128 |
Memoranda: | ||
Average total assets | $177,193,800 | 3,482 |
Average earning assets | $161,649,600 | 3,486 |
Average equity | $16,599,800 | 3,758 |
Average total loans | $155,186,200 | 2,843 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1319% | 250 |
Cost of funding earning assets | 2.4455% | 1,465 |
Net interest margin | 4.6864% | 853 |
Noninterest income to average assets | 0.4607% | 4,818 |
Noninterest expense to average assets | 3.3302% | 2,810 |
Loan and lease loss provision to assets | 1.0176% | 1,889 |
Net operating income to assets | 0.3125% | 4,751 |
Return on assets (ROA) | 0.3125% | 4,855 |
Pretax return on assets | 0.3996% | 4,802 |
Return on Equity (ROE) | 3.3338% | 4,647 |
Retained earnings to average equity (ytd only) | 3.3338% | 3,438 |
Net charge-offs to loans | 0.3462% | 3,908 |
Credit loss provision to net charge-offs | 335.5164% | 1,225 |
Earnings coverage of net charge-offs (x) | 4.6725% | 3,045 |
Efficiency ratio | 69.0859% | 4,765 |
Assets per employee ($millions) | 3.7760% | 4,240 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3528% | 4,187 |
Loan loss allowance to noncurrent loans | 99.6039% | 2,784 |
Noncurrent assets plus other real estate owned to assets | 1.7860% | 3,678 |
Noncurrent loans to loans | 1.3582% | 4,658 |
Net loans and leases to total assets | 87.4063% | 239 |
Net loans and leases to deposits | 108.9512% | 502 |
Net loans and leases to core deposits | 167.2745% | 290 |
Total domestic deposits to total assets | 80.2251% | 5,358 |
Equity capital to assets | 9.3946% | 4,892 |
Core capital (leverage) ratio | 8.7526% | 5,046 |
Tier 1 risk-based capital ratio | 9.5441% | 7,337 |
Total risk-based capital ratio | 10.7955% | 7,298 |
Memoranda: | ||
Average total assets | $174,517,500 | 3,543 |
Average earning assets | $159,635,500 | 3,558 |
Average equity | $16,357,500 | 3,840 |
Average total loans | $152,874,750 | 2,903 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.0190% | 307 |
Cost of funding earning assets | 2.4467% | 1,789 |
Net interest margin | 4.5723% | 1,012 |
Noninterest income to average assets | 0.4642% | 4,751 |
Noninterest expense to average assets | 3.2918% | 2,990 |
Loan and lease loss provision to assets | 0.3417% | 3,885 |
Net operating income to assets | 0.7422% | 3,082 |
Return on assets (ROA) | 0.7422% | 3,185 |
Pretax return on assets | 1.0250% | 2,906 |
Return on Equity (ROE) | 7.9257% | 2,803 |
Retained earnings to average equity (ytd only) | 7.9257% | 1,232 |
Net charge-offs to loans | 0.2242% | 4,093 |
Credit loss provision to net charge-offs | 174.6988% | 2,630 |
Earnings coverage of net charge-offs (x) | 6.9880% | 2,516 |
Efficiency ratio | 69.9292% | 4,797 |
Assets per employee ($millions) | 3.8840% | 3,905 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8994% | 6,772 |
Loan loss allowance to noncurrent loans | 75.0388% | 3,714 |
Noncurrent assets plus other real estate owned to assets | 1.1378% | 4,674 |
Noncurrent loans to loans | 1.1985% | 4,818 |
Net loans and leases to total assets | 87.6444% | 260 |
Net loans and leases to deposits | 111.0483% | 518 |
Net loans and leases to core deposits | 171.0160% | 311 |
Total domestic deposits to total assets | 78.9246% | 5,835 |
Equity capital to assets | 9.4249% | 4,709 |
Core capital (leverage) ratio | 8.8241% | 4,904 |
Tier 1 risk-based capital ratio | 9.7090% | 7,225 |
Total risk-based capital ratio | 10.6169% | 7,475 |
Memoranda: | ||
Average total assets | $169,756,670 | 3,645 |
Average earning assets | $155,720,330 | 3,636 |
Average equity | $15,897,670 | 3,942 |
Average total loans | $148,071,000 | 3,017 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6255% | 673 |
Cost of funding earning assets | 2.3759% | 2,390 |
Net interest margin | 4.2495% | 1,751 |
Noninterest income to average assets | 0.4187% | 5,068 |
Noninterest expense to average assets | 2.8648% | 4,279 |
Loan and lease loss provision to assets | 0.1714% | 4,752 |
Net operating income to assets | 0.9745% | 2,421 |
Return on assets (ROA) | 0.9745% | 2,546 |
Pretax return on assets | 1.2977% | 2,293 |
Return on Equity (ROE) | 10.4435% | 2,150 |
Retained earnings to average equity (ytd only) | 10.4435% | 1,086 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.0452% | 5,319 |
Assets per employee ($millions) | 4.0698% | 3,514 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9151% | 6,676 |
Loan loss allowance to noncurrent loans | 108.9634% | 2,830 |
Noncurrent assets plus other real estate owned to assets | 0.7958% | 5,187 |
Noncurrent loans to loans | 0.8398% | 5,341 |
Net loans and leases to total assets | 84.5314% | 618 |
Net loans and leases to deposits | 106.2408% | 844 |
Net loans and leases to core deposits | 159.4122% | 497 |
Total domestic deposits to total assets | 79.5659% | 5,521 |
Equity capital to assets | 9.4593% | 4,732 |
Core capital (leverage) ratio | 10.2137% | 3,187 |
Tier 1 risk-based capital ratio | 9.9871% | 6,941 |
Total risk-based capital ratio | 10.9017% | 7,221 |
Memoranda: | ||
Average total assets | $163,360,500 | 3,772 |
Average earning assets | $150,510,500 | 3,743 |
Average equity | $15,244,000 | 4,095 |
Average total loans | $141,383,500 | 3,147 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 7.1084% | 900 |
Cost of funding earning assets | 2.9878% | 1,910 |
Net interest margin | 4.1207% | 2,624 |
Noninterest income to average assets | 0.5000% | 4,612 |
Noninterest expense to average assets | 2.8886% | 4,488 |
Loan and lease loss provision to assets | 0.0840% | 6,339 |
Net operating income to assets | 1.0389% | 2,406 |
Return on assets (ROA) | 0.1374% | 5,841 |
Pretax return on assets | 0.1756% | 5,780 |
Return on Equity (ROE) | 1.5746% | 5,745 |
Retained earnings to average equity (ytd only) | 1.5746% | 4,273 |
Net charge-offs to loans | 0.0350% | 6,315 |
Credit loss provision to net charge-offs | 275.0000% | 1,665 |
Earnings coverage of net charge-offs (x) | 46.3500% | 804 |
Efficiency ratio | 67.0805% | 4,894 |
Assets per employee ($millions) | 3.6912% | 4,194 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7431% | 7,321 |
Loan loss allowance to noncurrent loans | 101.5773% | 3,409 |
Noncurrent assets plus other real estate owned to assets | 0.7721% | 4,920 |
Noncurrent loans to loans | 0.7316% | 5,201 |
Net loans and leases to total assets | 87.3903% | 425 |
Net loans and leases to deposits | 112.6398% | 675 |
Net loans and leases to core deposits | 167.8723% | 443 |
Total domestic deposits to total assets | 77.5838% | 5,844 |
Equity capital to assets | 9.1766% | 5,117 |
Core capital (leverage) ratio | 8.6184% | 5,346 |
Tier 1 risk-based capital ratio | 9.7475% | 7,021 |
Total risk-based capital ratio | 10.5104% | 7,498 |
Memoranda: | ||
Average total assets | $130,996,600 | 4,254 |
Average earning assets | $120,927,000 | 4,232 |
Average equity | $11,431,200 | 4,988 |
Average total loans | $114,292,400 | 3,582 |