Home > Richland State Bank > Performance and Condition Ratios
Richland State 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 | 5.6478% | 990 |
Cost of funding earning assets | 0.8464% | 3,621 |
Net interest margin | 4.8014% | 415 |
Noninterest income to average assets | 4.0900% | 146 |
Noninterest expense to average assets | 4.2112% | 324 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 4.3145% | 88 |
Return on assets (ROA) | 4.1671% | 97 |
Pretax return on assets | 4.3206% | 104 |
Return on Equity (ROE) | 52.9900% | 47 |
Retained earnings to average equity (ytd only) | 12.7166% | 540 |
Net charge-offs to loans | -0.0044% | 3,807 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
Efficiency ratio | 47.7348% | 4,100 |
Assets per employee ($millions) | 3.3967% | 4,312 |
Cash dividends to net income (ytd only)* | 76.0018% | 674 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3434% | 239 |
Loan loss allowance to noncurrent loans | 24,050.0000% | 65 |
Noncurrent assets plus other real estate owned to assets | 0.0042% | 3,795 |
Noncurrent loans to loans | 0.0097% | 3,697 |
Net loans and leases to total assets | 42.1500% | 3,961 |
Net loans and leases to deposits | 46.9416% | 4,021 |
Net loans and leases to core deposits | 48.3968% | 4,113 |
Total domestic deposits to total assets | 89.8000% | 812 |
Equity capital to assets | 9.9045% | 2,064 |
Core capital (leverage) ratio | 13.6296% | 878 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.8221% | 340 |
Memoranda: | ||
Average total assets | $52,098,800 | 4,299 |
Average earning assets | $49,860,200 | 4,252 |
Average equity | $4,097,000 | 4,345 |
Average total loans | $22,653,200 | 4,258 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8036% | 684 |
Cost of funding earning assets | 0.7717% | 3,599 |
Net interest margin | 5.0319% | 296 |
Noninterest income to average assets | 4.3500% | 147 |
Noninterest expense to average assets | 3.9772% | 365 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 5.0607% | 76 |
Return on assets (ROA) | 5.0291% | 78 |
Pretax return on assets | 5.1744% | 91 |
Return on Equity (ROE) | 67.8900% | 42 |
Retained earnings to average equity (ytd only) | 20.5552% | 238 |
Net charge-offs to loans | -0.0058% | 3,782 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 42.3780% | 4,300 |
Assets per employee ($millions) | 3.5704% | 4,305 |
Cash dividends to net income (ytd only)* | 69.7211% | 670 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1592% | 318 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 43.6100% | 3,930 |
Net loans and leases to deposits | 47.4331% | 4,023 |
Net loans and leases to core deposits | 48.5143% | 4,077 |
Total domestic deposits to total assets | 91.9300% | 466 |
Equity capital to assets | 7.6663% | 3,265 |
Core capital (leverage) ratio | 12.7604% | 1,142 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.3789% | 465 |
Memoranda: | ||
Average total assets | $53,235,000 | 4,302 |
Average earning assets | $51,139,250 | 4,255 |
Average equity | $3,943,750 | 4,373 |
Average total loans | $23,185,000 | 4,269 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1716% | 361 |
Cost of funding earning assets | 0.7096% | 3,459 |
Net interest margin | 5.4620% | 179 |
Noninterest income to average assets | 4.0800% | 145 |
Noninterest expense to average assets | 3.8293% | 392 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 5.3458% | 63 |
Return on assets (ROA) | 5.3315% | 64 |
Pretax return on assets | 5.4788% | 82 |
Return on Equity (ROE) | 72.7500% | 31 |
Retained earnings to average equity (ytd only) | 22.5069% | 172 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 39.7314% | 4,403 |
Assets per employee ($millions) | 3.5751% | 4,327 |
Cash dividends to net income (ytd only)* | 69.0608% | 776 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4641% | 229 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 37.9600% | 4,118 |
Net loans and leases to deposits | 41.5146% | 4,174 |
Net loans and leases to core deposits | 42.0857% | 4,211 |
Total domestic deposits to total assets | 91.4400% | 518 |
Equity capital to assets | 8.3173% | 3,011 |
Core capital (leverage) ratio | 11.5759% | 1,576 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 24.7345% | 397 |
Memoranda: | ||
Average total assets | $54,318,333 | 4,307 |
Average earning assets | $52,142,000 | 4,267 |
Average equity | $3,981,000 | 4,395 |
Average total loans | $23,487,667 | 4,275 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7165% | 148 |
Cost of funding earning assets | 0.6428% | 3,247 |
Net interest margin | 6.0737% | 95 |
Noninterest income to average assets | 4.0300% | 147 |
Noninterest expense to average assets | 3.9893% | 355 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 5.7040% | 68 |
Return on assets (ROA) | 5.7040% | 68 |
Pretax return on assets | 5.8670% | 76 |
Return on Equity (ROE) | 82.7800% | 28 |
Retained earnings to average equity (ytd only) | 31.3625% | 103 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 38.0302% | 4,489 |
Assets per employee ($millions) | 4.0139% | 4,237 |
Cash dividends to net income (ytd only)* | 62.1118% | 922 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9028% | 527 |
Loan loss allowance to noncurrent loans | 12,000.0000% | 149 |
Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,807 |
Noncurrent loans to loans | 0.0159% | 3,688 |
Net loans and leases to total assets | 44.0400% | 3,867 |
Net loans and leases to deposits | 47.7243% | 3,970 |
Net loans and leases to core deposits | 48.3000% | 4,039 |
Total domestic deposits to total assets | 92.2700% | 452 |
Equity capital to assets | 7.5647% | 3,527 |
Core capital (leverage) ratio | 10.9233% | 1,899 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.0578% | 739 |
Memoranda: | ||
Average total assets | $56,451,500 | 4,346 |
Average earning assets | $54,135,000 | 4,304 |
Average equity | $3,890,000 | 4,462 |
Average total loans | $25,491,500 | 4,296 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9994% | 1,720 |
Cost of funding earning assets | 0.4448% | 1,754 |
Net interest margin | 3.5546% | 1,769 |
Noninterest income to average assets | 3.8100% | 150 |
Noninterest expense to average assets | 3.6081% | 447 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 3.4603% | 90 |
Return on assets (ROA) | 3.4603% | 86 |
Pretax return on assets | 3.5703% | 99 |
Return on Equity (ROE) | 46.5600% | 37 |
Retained earnings to average equity (ytd only) | 21.6927% | 64 |
Net charge-offs to loans | -0.0090% | 3,791 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 48.7817% | 4,200 |
Assets per employee ($millions) | 4.0506% | 4,267 |
Cash dividends to net income (ytd only)* | 53.4132% | 1,246 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8364% | 615 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 44.5900% | 3,864 |
Net loans and leases to deposits | 47.6140% | 3,987 |
Net loans and leases to core deposits | 48.3617% | 4,048 |
Total domestic deposits to total assets | 93.6400% | 283 |
Equity capital to assets | 6.2231% | 4,010 |
Core capital (leverage) ratio | 10.4841% | 2,205 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.5272% | 893 |
Memoranda: | ||
Average total assets | $55,458,000 | 4,382 |
Average earning assets | $52,607,400 | 4,345 |
Average equity | $4,121,200 | 4,522 |
Average total loans | $22,110,800 | 4,376 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7138% | 2,002 |
Cost of funding earning assets | 0.4007% | 1,281 |
Net interest margin | 3.3131% | 2,258 |
Noninterest income to average assets | 4.1000% | 149 |
Noninterest expense to average assets | 3.4792% | 495 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 3.6702% | 87 |
Return on assets (ROA) | 3.6702% | 81 |
Pretax return on assets | 3.7548% | 94 |
Return on Equity (ROE) | 47.4100% | 33 |
Retained earnings to average equity (ytd only) | 27.8887% | 36 |
Net charge-offs to loans | -0.0126% | 3,806 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 46.5241% | 4,350 |
Assets per employee ($millions) | 4.3280% | 4,166 |
Cash dividends to net income (ytd only)* | 41.1726% | 1,527 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1956% | 346 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 37.4500% | 4,166 |
Net loans and leases to deposits | 39.8947% | 4,241 |
Net loans and leases to core deposits | 40.5239% | 4,265 |
Total domestic deposits to total assets | 93.8700% | 380 |
Equity capital to assets | 5.9363% | 3,986 |
Core capital (leverage) ratio | 10.4242% | 2,181 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.9292% | 649 |
Memoranda: | ||
Average total assets | $55,145,500 | 4,422 |
Average earning assets | $52,236,500 | 4,383 |
Average equity | $4,269,250 | 4,546 |
Average total loans | $21,199,250 | 4,425 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3818% | 2,488 |
Cost of funding earning assets | 0.3745% | 1,085 |
Net interest margin | 3.0074% | 2,852 |
Noninterest income to average assets | 3.3922% | 136 |
Noninterest expense to average assets | 3.4141% | 474 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 2.7495% | 84 |
Return on assets (ROA) | 2.7495% | 79 |
Pretax return on assets | 2.8226% | 124 |
Return on Equity (ROE) | 32.8893% | 46 |
Retained earnings to average equity (ytd only) | 24.1537% | 41 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.8103% | 4,061 |
Assets per employee ($millions) | 4.2695% | 4,225 |
Cash dividends to net income (ytd only)* | 26.5604% | 2,223 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1502% | 409 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 38.6177% | 4,142 |
Net loans and leases to deposits | 41.5170% | 4,206 |
Net loans and leases to core deposits | 42.1863% | 4,254 |
Total domestic deposits to total assets | 93.0166% | 511 |
Equity capital to assets | 6.8465% | 3,843 |
Core capital (leverage) ratio | 9.8981% | 2,511 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.2237% | 686 |
Memoranda: | ||
Average total assets | $54,772,667 | 4,466 |
Average earning assets | $51,806,000 | 4,441 |
Average equity | $4,579,000 | 4,563 |
Average total loans | $21,084,667 | 4,483 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3738% | 2,166 |
Cost of funding earning assets | 0.3809% | 985 |
Net interest margin | 2.9929% | 2,525 |
Noninterest income to average assets | 3.4628% | 141 |
Noninterest expense to average assets | 3.3378% | 505 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 2.8746% | 84 |
Return on assets (ROA) | 2.8746% | 81 |
Pretax return on assets | 2.9555% | 111 |
Return on Equity (ROE) | 31.4783% | 52 |
Retained earnings to average equity (ytd only) | 31.4783% | 33 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.0514% | 4,251 |
Assets per employee ($millions) | 4.6463% | 4,043 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1924% | 444 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 37.6856% | 4,131 |
Net loans and leases to deposits | 41.0752% | 4,202 |
Net loans and leases to core deposits | 41.7427% | 4,251 |
Total domestic deposits to total assets | 91.7480% | 675 |
Equity capital to assets | 8.1354% | 3,462 |
Core capital (leverage) ratio | 9.5597% | 2,732 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.0602% | 747 |
Memoranda: | ||
Average total assets | $54,407,500 | 4,492 |
Average earning assets | $51,455,000 | 4,470 |
Average equity | $4,968,500 | 4,564 |
Average total loans | $20,674,500 | 4,508 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9550% | 1,473 |
Cost of funding earning assets | 0.4587% | 1,140 |
Net interest margin | 3.4962% | 1,748 |
Noninterest income to average assets | 3.3756% | 163 |
Noninterest expense to average assets | 3.6328% | 410 |
Loan and lease loss provision to assets | 0.4842% | 118 |
Net operating income to assets | 2.4493% | 170 |
Return on assets (ROA) | 2.4493% | 173 |
Pretax return on assets | 2.5357% | 245 |
Return on Equity (ROE) | 23.1555% | 168 |
Retained earnings to average equity (ytd only) | 12.7080% | 437 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.9783% | 4,116 |
Assets per employee ($millions) | 4.4216% | 4,177 |
Cash dividends to net income (ytd only)* | 45.1189% | 1,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3709% | 342 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 36.5536% | 4,260 |
Net loans and leases to deposits | 40.7689% | 4,315 |
Net loans and leases to core deposits | 41.4813% | 4,356 |
Total domestic deposits to total assets | 89.6606% | 1,135 |
Equity capital to assets | 10.1792% | 2,492 |
Core capital (leverage) ratio | 9.3548% | 3,015 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.9985% | 757 |
Memoranda: | ||
Average total assets | $49,769,400 | 4,563 |
Average earning assets | $46,650,200 | 4,544 |
Average equity | $5,264,400 | 4,606 |
Average total loans | $20,221,600 | 4,563 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1361% | 1,225 |
Cost of funding earning assets | 0.4686% | 1,226 |
Net interest margin | 3.6675% | 1,412 |
Noninterest income to average assets | 3.7427% | 152 |
Noninterest expense to average assets | 3.4594% | 481 |
Loan and lease loss provision to assets | 0.6517% | 73 |
Net operating income to assets | 3.0018% | 126 |
Return on assets (ROA) | 3.0018% | 125 |
Pretax return on assets | 3.0645% | 167 |
Return on Equity (ROE) | 28.0923% | 111 |
Retained earnings to average equity (ytd only) | 20.4447% | 115 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.6340% | 4,522 |
Assets per employee ($millions) | 4.5911% | 4,055 |
Cash dividends to net income (ytd only)* | 27.2232% | 2,213 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9878% | 651 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
Noncurrent loans to loans | 0.0000% | 4,237 |
Net loans and leases to total assets | 41.9745% | 4,095 |
Net loans and leases to deposits | 46.9172% | 4,184 |
Net loans and leases to core deposits | 47.4612% | 4,265 |
Total domestic deposits to total assets | 89.4651% | 1,031 |
Equity capital to assets | 10.3244% | 2,597 |
Core capital (leverage) ratio | 9.9001% | 2,617 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.8264% | 1,169 |
Memoranda: | ||
Average total assets | $48,947,000 | 4,636 |
Average earning assets | $45,806,750 | 4,614 |
Average equity | $5,230,250 | 4,676 |
Average total loans | $20,310,500 | 4,629 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5454% | 680 |
Cost of funding earning assets | 0.5066% | 1,159 |
Net interest margin | 4.0388% | 767 |
Noninterest income to average assets | 3.9106% | 142 |
Noninterest expense to average assets | 3.6078% | 402 |
Loan and lease loss provision to assets | 0.9126% | 44 |
Net operating income to assets | 3.0662% | 118 |
Return on assets (ROA) | 3.0662% | 124 |
Pretax return on assets | 3.1302% | 162 |
Return on Equity (ROE) | 28.3201% | 120 |
Retained earnings to average equity (ytd only) | 16.5036% | 308 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.5373% | 4,586 |
Assets per employee ($millions) | 4.2096% | 4,322 |
Cash dividends to net income (ytd only)* | 41.7246% | 1,525 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3404% | 336 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 36.6762% | 4,436 |
Net loans and leases to deposits | 41.0762% | 4,483 |
Net loans and leases to core deposits | 41.8898% | 4,520 |
Total domestic deposits to total assets | 89.2883% | 1,147 |
Equity capital to assets | 10.5276% | 2,372 |
Core capital (leverage) ratio | 9.4830% | 2,925 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.7425% | 850 |
Memoranda: | ||
Average total assets | $46,898,333 | 4,686 |
Average earning assets | $43,428,333 | 4,666 |
Average equity | $5,077,667 | 4,720 |
Average total loans | $19,216,000 | 4,680 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2943% | 1,049 |
Cost of funding earning assets | 0.5356% | 1,179 |
Net interest margin | 3.7587% | 1,223 |
Noninterest income to average assets | 4.3557% | 133 |
Noninterest expense to average assets | 3.6815% | 375 |
Loan and lease loss provision to assets | 0.5678% | 110 |
Net operating income to assets | 3.5307% | 108 |
Return on assets (ROA) | 3.5307% | 115 |
Pretax return on assets | 3.5928% | 134 |
Return on Equity (ROE) | 32.1130% | 109 |
Retained earnings to average equity (ytd only) | 7.9072% | 2,272 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.1176% | 4,570 |
Assets per employee ($millions) | 4.0347% | 4,459 |
Cash dividends to net income (ytd only)* | 75.3769% | 646 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4045% | 1,937 |
Loan loss allowance to noncurrent loans | 9,800.0000% | 105 |
Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,349 |
Noncurrent loans to loans | 0.0143% | 4,234 |
Net loans and leases to total assets | 42.6264% | 4,192 |
Net loans and leases to deposits | 47.5070% | 4,280 |
Net loans and leases to core deposits | 48.1994% | 4,366 |
Total domestic deposits to total assets | 89.7265% | 944 |
Equity capital to assets | 10.1062% | 2,608 |
Core capital (leverage) ratio | 9.4927% | 3,047 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.3807% | 1,012 |
Memoranda: | ||
Average total assets | $45,090,000 | 4,726 |
Average earning assets | $41,823,000 | 4,706 |
Average equity | $4,957,500 | 4,749 |
Average total loans | $19,338,500 | 4,709 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3423% | 1,739 |
Cost of funding earning assets | 0.7978% | 1,223 |
Net interest margin | 3.5446% | 2,326 |
Noninterest income to average assets | 4.0704% | 135 |
Noninterest expense to average assets | 4.7448% | 217 |
Loan and lease loss provision to assets | 0.1772% | 2,175 |
Net operating income to assets | 2.2030% | 184 |
Return on assets (ROA) | 2.4544% | 148 |
Pretax return on assets | 2.5073% | 186 |
Return on Equity (ROE) | 19.4729% | 259 |
Retained earnings to average equity (ytd only) | 7.9318% | 1,072 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.8732% | 3,163 |
Assets per employee ($millions) | 3.4803% | 4,661 |
Cash dividends to net income (ytd only)* | 59.2672% | 1,397 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2961% | 2,432 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
Noncurrent loans to loans | 0.0000% | 4,420 |
Net loans and leases to total assets | 41.9380% | 4,356 |
Net loans and leases to deposits | 47.8003% | 4,397 |
Net loans and leases to core deposits | 49.1704% | 4,452 |
Total domestic deposits to total assets | 87.7358% | 1,593 |
Equity capital to assets | 12.0247% | 1,557 |
Core capital (leverage) ratio | 10.6178% | 2,069 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.4769% | 1,402 |
Memoranda: | ||
Average total assets | $37,809,600 | 4,796 |
Average earning assets | $33,093,000 | 4,810 |
Average equity | $4,765,600 | 4,779 |
Average total loans | $15,043,000 | 4,807 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6390% | 1,208 |
Cost of funding earning assets | 0.8575% | 1,221 |
Net interest margin | 3.7815% | 1,677 |
Noninterest income to average assets | 4.3887% | 121 |
Noninterest expense to average assets | 4.6566% | 225 |
Loan and lease loss provision to assets | 0.2906% | 1,393 |
Net operating income to assets | 2.6576% | 122 |
Return on assets (ROA) | 3.0018% | 98 |
Pretax return on assets | 3.0670% | 118 |
Return on Equity (ROE) | 23.5096% | 140 |
Retained earnings to average equity (ytd only) | 7.9122% | 1,332 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.5217% | 3,859 |
Assets per employee ($millions) | 3.3169% | 4,737 |
Cash dividends to net income (ytd only)* | 66.3450% | 925 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4760% | 1,453 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 40.7507% | 4,538 |
Net loans and leases to deposits | 46.6884% | 4,583 |
Net loans and leases to core deposits | 48.0992% | 4,621 |
Total domestic deposits to total assets | 87.2824% | 1,550 |
Equity capital to assets | 12.3031% | 1,513 |
Core capital (leverage) ratio | 10.9416% | 1,929 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.2151% | 1,204 |
Memoranda: | ||
Average total assets | $36,821,000 | 4,833 |
Average earning assets | $31,874,000 | 4,851 |
Average equity | $4,701,500 | 4,809 |
Average total loans | $14,367,500 | 4,846 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3670% | 2,291 |
Cost of funding earning assets | 0.8709% | 1,492 |
Net interest margin | 3.4961% | 2,799 |
Noninterest income to average assets | 4.1589% | 122 |
Noninterest expense to average assets | 4.6669% | 234 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 2.5232% | 134 |
Return on assets (ROA) | 2.5232% | 146 |
Pretax return on assets | 2.5846% | 184 |
Return on Equity (ROE) | 19.4982% | 270 |
Retained earnings to average equity (ytd only) | 6.5569% | 1,842 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.5843% | 3,471 |
Assets per employee ($millions) | 3.6541% | 4,577 |
Cash dividends to net income (ytd only)* | 66.3717% | 1,046 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0181% | 3,482 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 43.3677% | 4,484 |
Net loans and leases to deposits | 50.2394% | 4,519 |
Net loans and leases to core deposits | 51.9131% | 4,571 |
Total domestic deposits to total assets | 86.3222% | 1,882 |
Equity capital to assets | 13.2919% | 1,040 |
Core capital (leverage) ratio | 10.7703% | 2,146 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.8196% | 935 |
Memoranda: | ||
Average total assets | $35,827,000 | 4,870 |
Average earning assets | $31,692,333 | 4,879 |
Average equity | $4,636,333 | 4,842 |
Average total loans | $13,669,000 | 4,892 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4860% | 2,349 |
Cost of funding earning assets | 0.9047% | 1,837 |
Net interest margin | 3.5812% | 2,731 |
Noninterest income to average assets | 4.5898% | 99 |
Noninterest expense to average assets | 4.5672% | 287 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 3.1576% | 58 |
Return on assets (ROA) | 3.1576% | 57 |
Pretax return on assets | 3.2365% | 68 |
Return on Equity (ROE) | 24.7459% | 71 |
Retained earnings to average equity (ytd only) | 24.7459% | 34 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.0462% | 4,392 |
Assets per employee ($millions) | 3.4463% | 4,528 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4313% | 1,584 |
Loan loss allowance to noncurrent loans | 1,811.1111% | 321 |
Noncurrent assets plus other real estate owned to assets | 0.0261% | 4,491 |
Noncurrent loans to loans | 0.0790% | 4,197 |
Net loans and leases to total assets | 32.5712% | 4,852 |
Net loans and leases to deposits | 37.6665% | 4,874 |
Net loans and leases to core deposits | 38.9933% | 4,891 |
Total domestic deposits to total assets | 86.4724% | 1,797 |
Equity capital to assets | 13.1910% | 1,347 |
Core capital (leverage) ratio | 11.2847% | 2,245 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.5725% | 522 |
Memoranda: | ||
Average total assets | $35,470,000 | 4,905 |
Average earning assets | $31,832,500 | 4,908 |
Average equity | $4,526,000 | 4,893 |
Average total loans | $12,498,500 | 4,953 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6034% | 2,602 |
Cost of funding earning assets | 0.6772% | 3,272 |
Net interest margin | 3.9263% | 2,083 |
Noninterest income to average assets | 3.1479% | 142 |
Noninterest expense to average assets | 4.4595% | 319 |
Loan and lease loss provision to assets | 0.2791% | 627 |
Net operating income to assets | 1.9627% | 388 |
Return on assets (ROA) | 1.9898% | 376 |
Pretax return on assets | 2.0456% | 539 |
Return on Equity (ROE) | 15.2162% | 649 |
Retained earnings to average equity (ytd only) | -13.0607% | 5,101 |
Net charge-offs to loans | 0.1049% | 1,680 |
Credit loss provision to net charge-offs | 714.2857% | 447 |
Earnings coverage of net charge-offs (x) | 58.7857% | 994 |
Efficiency ratio | 60.0165% | 3,691 |
Assets per employee ($millions) | 3.6477% | 4,325 |
Cash dividends to net income (ytd only)* | 185.8345% | 77 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1977% | 2,447 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,619 |
Net loans and leases to total assets | 36.8616% | 4,822 |
Net loans and leases to deposits | 42.1994% | 4,866 |
Net loans and leases to core deposits | 43.5837% | 4,881 |
Total domestic deposits to total assets | 87.3509% | 1,433 |
Equity capital to assets | 12.3530% | 1,914 |
Core capital (leverage) ratio | 10.5285% | 2,925 |
Tier 1 risk-based capital ratio | 18.0123% | 1,754 |
Total risk-based capital ratio | 18.7896% | 1,833 |
Memoranda: | ||
Average total assets | $35,833,600 | 4,959 |
Average earning assets | $32,932,000 | 4,947 |
Average equity | $4,685,800 | 4,921 |
Average total loans | $13,345,000 | 4,997 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7919% | 2,143 |
Cost of funding earning assets | 0.6016% | 3,694 |
Net interest margin | 4.1904% | 1,395 |
Noninterest income to average assets | 3.3040% | 136 |
Noninterest expense to average assets | 4.3655% | 337 |
Loan and lease loss provision to assets | 0.2243% | 766 |
Net operating income to assets | 2.4717% | 169 |
Return on assets (ROA) | 2.5079% | 169 |
Pretax return on assets | 2.5789% | 213 |
Return on Equity (ROE) | 18.9112% | 321 |
Retained earnings to average equity (ytd only) | -11.3861% | 5,160 |
Net charge-offs to loans | 0.1506% | 1,086 |
Credit loss provision to net charge-offs | 400.0000% | 752 |
Earnings coverage of net charge-offs (x) | 49.3320% | 1,210 |
Efficiency ratio | 55.3459% | 4,235 |
Assets per employee ($millions) | 3.2768% | 4,687 |
Cash dividends to net income (ytd only)* | 160.2097% | 99 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9791% | 3,687 |
Loan loss allowance to noncurrent loans | 6,100.0000% | 123 |
Noncurrent assets plus other real estate owned to assets | 0.0055% | 4,744 |
Noncurrent loans to loans | 0.0161% | 4,604 |
Net loans and leases to total assets | 34.2294% | 4,985 |
Net loans and leases to deposits | 39.6402% | 5,006 |
Net loans and leases to core deposits | 40.9696% | 5,015 |
Total domestic deposits to total assets | 86.3504% | 1,844 |
Equity capital to assets | 13.2501% | 1,485 |
Core capital (leverage) ratio | 11.2558% | 2,421 |
Tier 1 risk-based capital ratio | 20.6114% | 1,254 |
Total risk-based capital ratio | 21.2478% | 1,334 |
Memoranda: | ||
Average total assets | $35,672,750 | 5,036 |
Average earning assets | $32,582,000 | 5,026 |
Average equity | $4,730,750 | 4,980 |
Average total loans | $13,279,000 | 5,073 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8721% | 1,841 |
Cost of funding earning assets | 0.5063% | 4,093 |
Net interest margin | 4.3657% | 1,007 |
Noninterest income to average assets | 3.0381% | 150 |
Noninterest expense to average assets | 4.2364% | 392 |
Loan and lease loss provision to assets | 0.0563% | 2,701 |
Net operating income to assets | 2.6454% | 130 |
Return on assets (ROA) | 2.6836% | 128 |
Pretax return on assets | 2.7624% | 165 |
Return on Equity (ROE) | 20.2304% | 242 |
Retained earnings to average equity (ytd only) | -16.8799% | 5,234 |
Net charge-offs to loans | -0.0148% | 4,448 |
Credit loss provision to net charge-offs | -1,000.0000% | 4,250 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.2903% | 4,438 |
Assets per employee ($millions) | 3.4654% | 4,537 |
Cash dividends to net income (ytd only)* | 183.4382% | 90 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6541% | 4,792 |
Loan loss allowance to noncurrent loans | 23.7838% | 4,636 |
Noncurrent assets plus other real estate owned to assets | 1.0677% | 1,279 |
Noncurrent loans to loans | 2.7503% | 386 |
Net loans and leases to total assets | 38.5670% | 4,892 |
Net loans and leases to deposits | 44.8069% | 4,932 |
Net loans and leases to core deposits | 46.3740% | 4,946 |
Total domestic deposits to total assets | 86.0738% | 1,993 |
Equity capital to assets | 13.6117% | 1,276 |
Core capital (leverage) ratio | 11.2330% | 2,390 |
Tier 1 risk-based capital ratio | 21.0394% | 1,171 |
Total risk-based capital ratio | 21.5113% | 1,270 |
Memoranda: | ||
Average total assets | $35,548,670 | 5,076 |
Average earning assets | $32,388,670 | 5,072 |
Average equity | $4,715,670 | 5,016 |
Average total loans | $13,552,000 | 5,114 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9815% | 1,379 |
Cost of funding earning assets | 0.4101% | 4,443 |
Net interest margin | 4.5714% | 650 |
Noninterest income to average assets | 3.3115% | 126 |
Noninterest expense to average assets | 4.2116% | 397 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 3.2246% | 76 |
Return on assets (ROA) | 3.2893% | 79 |
Pretax return on assets | 3.3782% | 95 |
Return on Equity (ROE) | 25.1113% | 100 |
Retained earnings to average equity (ytd only) | -32.1527% | 5,311 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.2216% | 4,809 |
Assets per employee ($millions) | 3.4860% | 4,575 |
Cash dividends to net income (ytd only)* | 228.0405% | 145 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6072% | 4,917 |
Loan loss allowance to noncurrent loans | 1,283.3333% | 485 |
Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,781 |
Noncurrent loans to loans | 0.0473% | 4,550 |
Net loans and leases to total assets | 36.1561% | 5,017 |
Net loans and leases to deposits | 41.7462% | 5,044 |
Net loans and leases to core deposits | 43.1851% | 5,056 |
Total domestic deposits to total assets | 86.6093% | 1,999 |
Equity capital to assets | 13.0723% | 1,410 |
Core capital (leverage) ratio | 10.6634% | 2,881 |
Tier 1 risk-based capital ratio | 22.1787% | 1,033 |
Total risk-based capital ratio | 22.6162% | 1,103 |
Memoranda: | ||
Average total assets | $35,996,000 | 5,123 |
Average earning assets | $33,163,000 | 5,111 |
Average equity | $4,715,000 | 5,059 |
Average total loans | $13,601,500 | 5,175 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.4803% | 5,388 |
Cost of funding earning assets | 0.0628% | 5,353 |
Net interest margin | 1.4174% | 5,375 |
Noninterest income to average assets | 0.7950% | 1,461 |
Noninterest expense to average assets | 1.3341% | 5,289 |
Loan and lease loss provision to assets | 0.1863% | 1,035 |
Net operating income to assets | 0.5441% | 4,556 |
Return on assets (ROA) | 0.5441% | 4,557 |
Pretax return on assets | 0.5640% | 4,696 |
Return on Equity (ROE) | 2.9024% | 4,915 |
Retained earnings to average equity (ytd only) | 0.9145% | 4,731 |
Net charge-offs to loans | -0.0139% | 4,591 |
Credit loss provision to net charge-offs | -3,750.0000% | 4,907 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.4493% | 4,224 |
Assets per employee ($millions) | 3.7132% | 4,299 |
Cash dividends to net income (ytd only)* | 68.4932% | 1,147 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5302% | 5,090 |
Loan loss allowance to noncurrent loans | 962.5000% | 637 |
Noncurrent assets plus other real estate owned to assets | 0.0215% | 4,770 |
Noncurrent loans to loans | 0.0551% | 4,501 |
Net loans and leases to total assets | 38.9018% | 4,985 |
Net loans and leases to deposits | 44.9272% | 5,008 |
Net loans and leases to core deposits | 46.3754% | 5,024 |
Total domestic deposits to total assets | 86.5884% | 1,971 |
Equity capital to assets | 13.1235% | 1,291 |
Core capital (leverage) ratio | 11.6731% | 1,975 |
Tier 1 risk-based capital ratio | 20.1433% | 1,278 |
Total risk-based capital ratio | 20.5088% | 1,424 |
Memoranda: | ||
Average total assets | $40,251,600 | 5,095 |
Average earning assets | $36,615,400 | 5,095 |
Average equity | $7,545,400 | 4,670 |
Average total loans | $14,380,200 | 5,209 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.4632% | 5,474 |
Cost of funding earning assets | 0.0072% | 5,459 |
Net interest margin | 0.4560% | 5,472 |
Noninterest income to average assets | 0.3444% | 3,843 |
Noninterest expense to average assets | 0.3639% | 5,464 |
Loan and lease loss provision to assets | 0.0325% | 3,372 |
Net operating income to assets | 0.3477% | 5,034 |
Return on assets (ROA) | 0.3477% | 5,028 |
Pretax return on assets | 0.3607% | 5,075 |
Return on Equity (ROE) | 1.7369% | 5,160 |
Retained earnings to average equity (ytd only) | 1.7369% | 4,661 |
Net charge-offs to loans | 0.0000% | 3,489 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.0601% | 5,268 |
Assets per employee ($millions) | 3.8093% | 4,161 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0675% | 5,423 |
Loan loss allowance to noncurrent loans | 7.8740% | 4,934 |
Noncurrent assets plus other real estate owned to assets | 0.3334% | 3,345 |
Noncurrent loans to loans | 0.8576% | 1,987 |
Net loans and leases to total assets | 38.8470% | 5,054 |
Net loans and leases to deposits | 44.5696% | 5,095 |
Net loans and leases to core deposits | 45.9565% | 5,113 |
Total domestic deposits to total assets | 87.1604% | 1,665 |
Equity capital to assets | 12.4984% | 1,586 |
Core capital (leverage) ratio | 11.0858% | 2,500 |
Tier 1 risk-based capital ratio | 19.8085% | 1,379 |
Total risk-based capital ratio | 19.8552% | 1,591 |
Memoranda: | ||
Average total assets | $41,031,500 | 5,145 |
Average earning assets | $37,133,250 | 5,151 |
Average equity | $8,213,500 | 4,622 |
Average total loans | $14,344,750 | 5,274 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5697% | 4,815 |
Cost of funding earning assets | 0.6847% | 1,715 |
Net interest margin | 2.8850% | 5,031 |
Noninterest income to average assets | 2.1661% | 252 |
Noninterest expense to average assets | 2.9802% | 2,096 |
Loan and lease loss provision to assets | 0.3332% | 405 |
Net operating income to assets | 1.4141% | 1,383 |
Return on assets (ROA) | 1.4187% | 1,373 |
Pretax return on assets | 1.4853% | 1,867 |
Return on Equity (ROE) | 6.3646% | 4,115 |
Retained earnings to average equity (ytd only) | 6.3646% | 2,378 |
Net charge-offs to loans | 0.1691% | 920 |
Credit loss provision to net charge-offs | 583.3333% | 638 |
Earnings coverage of net charge-offs (x) | 31.7500% | 1,449 |
Efficiency ratio | 62.1648% | 3,602 |
Assets per employee ($millions) | 4.0148% | 3,871 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6503% | 991 |
Loan loss allowance to noncurrent loans | 194.0678% | 2,308 |
Noncurrent assets plus other real estate owned to assets | 0.2939% | 3,592 |
Noncurrent loans to loans | 0.8504% | 2,020 |
Net loans and leases to total assets | 33.9917% | 5,239 |
Net loans and leases to deposits | 44.4600% | 5,133 |
Net loans and leases to core deposits | 45.9572% | 5,151 |
Total domestic deposits to total assets | 76.4546% | 4,805 |
Equity capital to assets | 23.3511% | 137 |
Core capital (leverage) ratio | 23.0953% | 137 |
Tier 1 risk-based capital ratio | 50.4932% | 130 |
Total risk-based capital ratio | 51.7010% | 126 |
Memoranda: | ||
Average total assets | $42,011,000 | 5,191 |
Average earning assets | $38,267,000 | 5,191 |
Average equity | $9,364,330 | 4,483 |
Average total loans | $14,190,330 | 5,336 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6152% | 4,671 |
Cost of funding earning assets | 0.6798% | 1,544 |
Net interest margin | 2.9354% | 4,979 |
Noninterest income to average assets | 2.5709% | 190 |
Noninterest expense to average assets | 2.9062% | 2,345 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 2.2449% | 226 |
Return on assets (ROA) | 2.2449% | 225 |
Pretax return on assets | 2.3194% | 304 |
Return on Equity (ROE) | 10.3002% | 2,277 |
Retained earnings to average equity (ytd only) | 10.3002% | 1,070 |
Net charge-offs to loans | 0.0279% | 1,941 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | 249.0000% | 272 |
Efficiency ratio | 55.6150% | 4,633 |
Assets per employee ($millions) | 4.2387% | 3,586 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2125% | 2,734 |
Loan loss allowance to noncurrent loans | 150.4425% | 2,745 |
Noncurrent assets plus other real estate owned to assets | 0.2666% | 3,802 |
Noncurrent loans to loans | 0.8059% | 2,196 |
Net loans and leases to total assets | 32.6775% | 5,302 |
Net loans and leases to deposits | 42.0632% | 5,215 |
Net loans and leases to core deposits | 43.3779% | 5,231 |
Total domestic deposits to total assets | 77.6866% | 4,770 |
Equity capital to assets | 22.1129% | 154 |
Core capital (leverage) ratio | 21.8207% | 158 |
Tier 1 risk-based capital ratio | 48.7101% | 142 |
Total risk-based capital ratio | 49.5803% | 142 |
Memoranda: | ||
Average total assets | $42,942,500 | 5,240 |
Average earning assets | $38,836,000 | 5,239 |
Average equity | $9,359,000 | 4,526 |
Average total loans | $14,347,500 | 5,393 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6567% | 4,433 |
Cost of funding earning assets | 0.6612% | 1,240 |
Net interest margin | 2.9955% | 4,895 |
Noninterest income to average assets | 2.0159% | 295 |
Noninterest expense to average assets | 2.9604% | 2,272 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 1.6876% | 539 |
Return on assets (ROA) | 1.6942% | 547 |
Pretax return on assets | 1.7508% | 895 |
Return on Equity (ROE) | 6.9950% | 3,280 |
Retained earnings to average equity (ytd only) | -11.7082% | 5,558 |
Net charge-offs to loans | -0.0061% | 4,679 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.9273% | 3,791 |
Assets per employee ($millions) | 4.3498% | 3,415 |
Cash dividends to net income (ytd only)* | 267.3797% | 69 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1653% | 2,983 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 33.3418% | 5,360 |
Net loans and leases to deposits | 42.5895% | 5,279 |
Net loans and leases to core deposits | 43.8740% | 5,296 |
Total domestic deposits to total assets | 78.2864% | 4,670 |
Equity capital to assets | 21.4837% | 164 |
Core capital (leverage) ratio | 21.5097% | 158 |
Tier 1 risk-based capital ratio | 44.1121% | 166 |
Total risk-based capital ratio | 44.9253% | 168 |
Memoranda: | ||
Average total assets | $44,150,000 | 5,270 |
Average earning assets | $39,625,800 | 5,282 |
Average equity | $10,693,400 | 4,349 |
Average total loans | $16,293,200 | 5,415 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7041% | 4,312 |
Cost of funding earning assets | 0.6606% | 1,179 |
Net interest margin | 3.0435% | 4,825 |
Noninterest income to average assets | 2.0099% | 308 |
Noninterest expense to average assets | 2.7109% | 3,028 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 1.9560% | 346 |
Return on assets (ROA) | 1.9648% | 342 |
Pretax return on assets | 2.0249% | 523 |
Return on Equity (ROE) | 7.8930% | 3,180 |
Retained earnings to average equity (ytd only) | 7.8930% | 1,262 |
Net charge-offs to loans | 0.0000% | 3,796 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.3520% | 4,579 |
Assets per employee ($millions) | 4.4317% | 3,274 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0587% | 3,740 |
Loan loss allowance to noncurrent loans | 144.0678% | 2,870 |
Noncurrent assets plus other real estate owned to assets | 0.2663% | 4,005 |
Noncurrent loans to loans | 0.7348% | 2,519 |
Net loans and leases to total assets | 35.8508% | 5,354 |
Net loans and leases to deposits | 48.4316% | 5,176 |
Net loans and leases to core deposits | 49.9497% | 5,200 |
Total domestic deposits to total assets | 74.0235% | 5,234 |
Equity capital to assets | 25.7170% | 93 |
Core capital (leverage) ratio | 25.4414% | 93 |
Tier 1 risk-based capital ratio | 50.6822% | 124 |
Total risk-based capital ratio | 51.4528% | 127 |
Memoranda: | ||
Average total assets | $44,313,000 | 5,322 |
Average earning assets | $39,559,250 | 5,341 |
Average equity | $11,030,500 | 4,337 |
Average total loans | $16,698,000 | 5,458 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6758% | 4,295 |
Cost of funding earning assets | 0.6569% | 1,107 |
Net interest margin | 3.0189% | 4,868 |
Noninterest income to average assets | 1.9679% | 319 |
Noninterest expense to average assets | 2.7893% | 2,802 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 1.8370% | 422 |
Return on assets (ROA) | 1.8370% | 435 |
Pretax return on assets | 1.8957% | 661 |
Return on Equity (ROE) | 7.4622% | 3,304 |
Retained earnings to average equity (ytd only) | 7.4622% | 1,365 |
Net charge-offs to loans | 0.0118% | 3,041 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | 420.0000% | 201 |
Efficiency ratio | 59.5376% | 4,393 |
Assets per employee ($millions) | 4.3912% | 3,286 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0210% | 4,024 |
Loan loss allowance to noncurrent loans | 1,056.2500% | 562 |
Noncurrent assets plus other real estate owned to assets | 0.0364% | 5,114 |
Noncurrent loans to loans | 0.0967% | 4,742 |
Net loans and leases to total assets | 37.3110% | 5,325 |
Net loans and leases to deposits | 50.2916% | 5,126 |
Net loans and leases to core deposits | 51.8760% | 5,153 |
Total domestic deposits to total assets | 74.1893% | 5,276 |
Equity capital to assets | 25.5853% | 93 |
Core capital (leverage) ratio | 24.6667% | 104 |
Tier 1 risk-based capital ratio | 49.9133% | 119 |
Total risk-based capital ratio | 50.6847% | 122 |
Memoranda: | ||
Average total assets | $44,311,670 | 5,361 |
Average earning assets | $39,882,670 | 5,376 |
Average equity | $10,908,330 | 4,371 |
Average total loans | $16,911,330 | 5,497 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6093% | 4,393 |
Cost of funding earning assets | 0.6680% | 987 |
Net interest margin | 2.9413% | 5,007 |
Noninterest income to average assets | 1.4648% | 503 |
Noninterest expense to average assets | 2.5611% | 3,619 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.5097% | 792 |
Return on assets (ROA) | 1.5097% | 821 |
Pretax return on assets | 1.5547% | 1,364 |
Return on Equity (ROE) | 6.2541% | 3,785 |
Retained earnings to average equity (ytd only) | 6.2541% | 2,212 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.2271% | 4,121 |
Assets per employee ($millions) | 4.4577% | 3,237 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9979% | 4,305 |
Loan loss allowance to noncurrent loans | 3,400.0000% | 227 |
Noncurrent assets plus other real estate owned to assets | 0.0112% | 5,312 |
Noncurrent loans to loans | 0.0293% | 5,099 |
Net loans and leases to total assets | 37.8357% | 5,333 |
Net loans and leases to deposits | 50.1382% | 5,126 |
Net loans and leases to core deposits | 51.6633% | 5,159 |
Total domestic deposits to total assets | 75.4627% | 5,292 |
Equity capital to assets | 24.3242% | 115 |
Core capital (leverage) ratio | 23.8690% | 113 |
Tier 1 risk-based capital ratio | 48.1734% | 144 |
Total risk-based capital ratio | 48.9354% | 148 |
Memoranda: | ||
Average total assets | $44,511,500 | 5,413 |
Average earning assets | $40,118,500 | 5,429 |
Average equity | $10,745,000 | 4,429 |
Average total loans | $17,090,500 | 5,546 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5375% | 4,670 |
Cost of funding earning assets | 0.6946% | 832 |
Net interest margin | 2.8429% | 5,213 |
Noninterest income to average assets | 1.9364% | 355 |
Noninterest expense to average assets | 2.6579% | 3,494 |
Loan and lease loss provision to assets | 0.0885% | 2,596 |
Net operating income to assets | 1.6581% | 598 |
Return on assets (ROA) | 1.6708% | 609 |
Pretax return on assets | 1.7394% | 916 |
Return on Equity (ROE) | 6.5230% | 3,731 |
Retained earnings to average equity (ytd only) | -4.2767% | 5,647 |
Net charge-offs to loans | 0.0125% | 3,851 |
Credit loss provision to net charge-offs | 2,000.0000% | 214 |
Earnings coverage of net charge-offs (x) | 410.0000% | 197 |
Efficiency ratio | 59.4260% | 4,675 |
Assets per employee ($millions) | 4.4446% | 3,199 |
Cash dividends to net income (ytd only)* | 165.5629% | 124 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9915% | 4,387 |
Loan loss allowance to noncurrent loans | 1,700.0000% | 381 |
Noncurrent assets plus other real estate owned to assets | 0.0225% | 5,298 |
Noncurrent loans to loans | 0.0583% | 5,015 |
Net loans and leases to total assets | 38.1924% | 5,395 |
Net loans and leases to deposits | 50.3904% | 5,192 |
Net loans and leases to core deposits | 52.7108% | 5,190 |
Total domestic deposits to total assets | 75.7931% | 5,263 |
Equity capital to assets | 23.9549% | 115 |
Core capital (leverage) ratio | 23.1205% | 121 |
Tier 1 risk-based capital ratio | 47.0796% | 156 |
Total risk-based capital ratio | 47.8399% | 159 |
Memoranda: | ||
Average total assets | $45,186,800 | 5,437 |
Average earning assets | $40,310,400 | 5,463 |
Average equity | $11,574,400 | 4,323 |
Average total loans | $15,968,600 | 5,643 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5149% | 4,767 |
Cost of funding earning assets | 0.6997% | 817 |
Net interest margin | 2.8152% | 5,334 |
Noninterest income to average assets | 2.2098% | 308 |
Noninterest expense to average assets | 2.4537% | 4,120 |
Loan and lease loss provision to assets | 0.0588% | 3,078 |
Net operating income to assets | 2.1457% | 269 |
Return on assets (ROA) | 2.1628% | 276 |
Pretax return on assets | 2.2216% | 367 |
Return on Equity (ROE) | 8.3118% | 2,849 |
Retained earnings to average equity (ytd only) | 8.3118% | 1,044 |
Net charge-offs to loans | 0.0255% | 3,156 |
Credit loss provision to net charge-offs | 666.6667% | 580 |
Earnings coverage of net charge-offs (x) | 256.6600% | 316 |
Efficiency ratio | 52.0249% | 5,383 |
Assets per employee ($millions) | 4.6061% | 2,917 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8969% | 4,884 |
Loan loss allowance to noncurrent loans | 2,483.3333% | 286 |
Noncurrent assets plus other real estate owned to assets | 0.0130% | 5,470 |
Noncurrent loans to loans | 0.0361% | 5,228 |
Net loans and leases to total assets | 35.7439% | 5,561 |
Net loans and leases to deposits | 48.9709% | 5,348 |
Net loans and leases to core deposits | 51.2259% | 5,343 |
Total domestic deposits to total assets | 72.9902% | 5,524 |
Equity capital to assets | 26.7254% | 84 |
Core capital (leverage) ratio | 26.3154% | 83 |
Tier 1 risk-based capital ratio | 54.0946% | 111 |
Total risk-based capital ratio | 54.7847% | 113 |
Memoranda: | ||
Average total assets | $45,372,000 | 5,485 |
Average earning assets | $40,398,500 | 5,516 |
Average equity | $11,806,250 | 4,320 |
Average total loans | $15,674,500 | 5,706 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4859% | 4,908 |
Cost of funding earning assets | 0.7081% | 770 |
Net interest margin | 2.7778% | 5,461 |
Noninterest income to average assets | 1.3646% | 616 |
Noninterest expense to average assets | 2.4102% | 4,305 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 1.3878% | 1,080 |
Return on assets (ROA) | 1.4133% | 1,091 |
Pretax return on assets | 1.4665% | 1,786 |
Return on Equity (ROE) | 5.4819% | 4,294 |
Retained earnings to average equity (ytd only) | 5.4819% | 2,429 |
Net charge-offs to loans | 0.1042% | 1,791 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | 40.6250% | 1,147 |
Efficiency ratio | 62.6007% | 4,250 |
Assets per employee ($millions) | 4.5185% | 2,988 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7491% | 5,408 |
Loan loss allowance to noncurrent loans | 1,240.0000% | 492 |
Noncurrent assets plus other real estate owned to assets | 0.0221% | 5,507 |
Noncurrent loans to loans | 0.0604% | 5,203 |
Net loans and leases to total assets | 36.3594% | 5,590 |
Net loans and leases to deposits | 49.6629% | 5,351 |
Net loans and leases to core deposits | 52.9012% | 5,327 |
Total domestic deposits to total assets | 73.2123% | 5,591 |
Equity capital to assets | 26.5619% | 80 |
Core capital (leverage) ratio | 25.2499% | 90 |
Tier 1 risk-based capital ratio | 53.0993% | 115 |
Total risk-based capital ratio | 53.6798% | 116 |
Memoranda: | ||
Average total assets | $45,142,330 | 5,560 |
Average earning assets | $40,391,000 | 5,577 |
Average equity | $11,638,330 | 4,378 |
Average total loans | $15,361,670 | 5,781 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4333% | 5,040 |
Cost of funding earning assets | 0.7265% | 706 |
Net interest margin | 2.7068% | 5,611 |
Noninterest income to average assets | 1.4893% | 507 |
Noninterest expense to average assets | 2.4379% | 4,264 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.4106% | 1,022 |
Return on assets (ROA) | 1.4361% | 1,019 |
Pretax return on assets | 1.4893% | 1,629 |
Return on Equity (ROE) | 5.6562% | 4,151 |
Retained earnings to average equity (ytd only) | 5.6562% | 2,553 |
Net charge-offs to loans | -0.0271% | 5,019 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.5000% | 4,372 |
Assets per employee ($millions) | 4.4801% | 3,106 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8687% | 5,157 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
Noncurrent loans to loans | 0.0000% | 5,543 |
Net loans and leases to total assets | 33.8787% | 5,721 |
Net loans and leases to deposits | 45.8980% | 5,508 |
Net loans and leases to core deposits | 48.8856% | 5,481 |
Total domestic deposits to total assets | 73.8131% | 5,623 |
Equity capital to assets | 25.9659% | 82 |
Core capital (leverage) ratio | 24.7889% | 95 |
Tier 1 risk-based capital ratio | 54.7511% | 111 |
Total risk-based capital ratio | 55.4022% | 113 |
Memoranda: | ||
Average total assets | $45,121,000 | 5,612 |
Average earning assets | $40,195,000 | 5,630 |
Average equity | $11,456,500 | 4,423 |
Average total loans | $14,766,000 | 5,855 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3394% | 5,277 |
Cost of funding earning assets | 0.8172% | 447 |
Net interest margin | 2.5222% | 5,816 |
Noninterest income to average assets | 2.0628% | 348 |
Noninterest expense to average assets | 2.5262% | 4,142 |
Loan and lease loss provision to assets | 0.0446% | 3,436 |
Net operating income to assets | 1.6641% | 615 |
Return on assets (ROA) | 1.6641% | 633 |
Pretax return on assets | 1.7265% | 940 |
Return on Equity (ROE) | 6.8017% | 3,617 |
Retained earnings to average equity (ytd only) | 6.8017% | 1,369 |
Net charge-offs to loans | 0.0000% | 4,462 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.7869% | 5,052 |
Assets per employee ($millions) | 4.5441% | 2,973 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9282% | 4,981 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
Noncurrent loans to loans | 0.0000% | 5,583 |
Net loans and leases to total assets | 31.0050% | 5,864 |
Net loans and leases to deposits | 41.3495% | 5,728 |
Net loans and leases to core deposits | 43.9512% | 5,715 |
Total domestic deposits to total assets | 74.9829% | 5,556 |
Equity capital to assets | 24.8234% | 95 |
Core capital (leverage) ratio | 24.3086% | 99 |
Tier 1 risk-based capital ratio | 55.4176% | 104 |
Total risk-based capital ratio | 56.0813% | 104 |
Memoranda: | ||
Average total assets | $44,889,600 | 5,660 |
Average earning assets | $39,767,600 | 5,686 |
Average equity | $10,982,600 | 4,483 |
Average total loans | $14,303,800 | 5,914 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3141% | 5,378 |
Cost of funding earning assets | 0.8226% | 436 |
Net interest margin | 2.4914% | 5,912 |
Noninterest income to average assets | 1.5224% | 538 |
Noninterest expense to average assets | 2.3477% | 4,658 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.3407% | 1,246 |
Return on assets (ROA) | 1.3407% | 1,291 |
Pretax return on assets | 1.3854% | 2,077 |
Return on Equity (ROE) | 5.5003% | 4,410 |
Retained earnings to average equity (ytd only) | 5.5003% | 2,577 |
Net charge-offs to loans | 0.0093% | 3,840 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 466.1504% | 155 |
Efficiency ratio | 62.8891% | 4,424 |
Assets per employee ($millions) | 4.5009% | 3,005 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7629% | 5,605 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
Noncurrent loans to loans | 0.0000% | 5,684 |
Net loans and leases to total assets | 32.0780% | 5,919 |
Net loans and leases to deposits | 42.7261% | 5,773 |
Net loans and leases to core deposits | 45.4325% | 5,751 |
Total domestic deposits to total assets | 75.0783% | 5,617 |
Equity capital to assets | 24.7351% | 101 |
Core capital (leverage) ratio | 23.8939% | 108 |
Tier 1 risk-based capital ratio | 54.1475% | 116 |
Total risk-based capital ratio | 54.7079% | 117 |
Memoranda: | ||
Average total assets | $44,751,750 | 5,736 |
Average earning assets | $39,708,750 | 5,760 |
Average equity | $10,908,250 | 4,554 |
Average total loans | $14,324,500 | 5,989 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2896% | 5,457 |
Cost of funding earning assets | 0.8274% | 438 |
Net interest margin | 2.4621% | 5,995 |
Noninterest income to average assets | 1.5896% | 510 |
Noninterest expense to average assets | 2.2612% | 4,946 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.4687% | 952 |
Return on assets (ROA) | 1.4687% | 1,003 |
Pretax return on assets | 1.5135% | 1,610 |
Return on Equity (ROE) | 6.0554% | 4,102 |
Retained earnings to average equity (ytd only) | 6.0554% | 2,212 |
Net charge-offs to loans | 0.0140% | 3,440 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 338.0000% | 205 |
Efficiency ratio | 59.9051% | 4,994 |
Assets per employee ($millions) | 5.5878% | 1,668 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7566% | 5,703 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
Noncurrent loans to loans | 0.0000% | 5,787 |
Net loans and leases to total assets | 32.5690% | 5,944 |
Net loans and leases to deposits | 43.1071% | 5,796 |
Net loans and leases to core deposits | 45.8320% | 5,775 |
Total domestic deposits to total assets | 75.5537% | 5,651 |
Equity capital to assets | 24.2920% | 100 |
Core capital (leverage) ratio | 23.6917% | 109 |
Tier 1 risk-based capital ratio | 53.7541% | 128 |
Total risk-based capital ratio | 54.3169% | 127 |
Memoranda: | ||
Average total assets | $44,666,000 | 5,801 |
Average earning assets | $39,640,330 | 5,823 |
Average equity | $10,833,330 | 4,597 |
Average total loans | $14,249,670 | 6,055 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2477% | 5,559 |
Cost of funding earning assets | 0.8398% | 399 |
Net interest margin | 2.4080% | 6,097 |
Noninterest income to average assets | 1.7112% | 444 |
Noninterest expense to average assets | 2.3472% | 4,748 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.4603% | 920 |
Return on assets (ROA) | 1.4603% | 981 |
Pretax return on assets | 1.4961% | 1,579 |
Return on Equity (ROE) | 6.0256% | 4,028 |
Retained earnings to average equity (ytd only) | 6.0256% | 2,492 |
Net charge-offs to loans | 0.0570% | 2,190 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 83.5000% | 573 |
Efficiency ratio | 61.0723% | 4,954 |
Assets per employee ($millions) | 5.6211% | 1,695 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7922% | 5,714 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
Noncurrent loans to loans | 0.0000% | 5,830 |
Net loans and leases to total assets | 30.6322% | 6,050 |
Net loans and leases to deposits | 40.6234% | 5,892 |
Net loans and leases to core deposits | 43.6249% | 5,852 |
Total domestic deposits to total assets | 75.4053% | 5,794 |
Equity capital to assets | 24.3857% | 102 |
Core capital (leverage) ratio | 22.8813% | 120 |
Tier 1 risk-based capital ratio | 55.4093% | 119 |
Total risk-based capital ratio | 55.9932% | 123 |
Memoranda: | ||
Average total assets | $44,648,000 | 5,852 |
Average earning assets | $39,535,500 | 5,881 |
Average equity | $10,820,500 | 4,634 |
Average total loans | $14,039,500 | 6,110 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3624% | 5,598 |
Cost of funding earning assets | 0.8406% | 536 |
Net interest margin | 2.5218% | 6,133 |
Noninterest income to average assets | 1.8135% | 399 |
Noninterest expense to average assets | 2.6299% | 4,117 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 1.3890% | 1,102 |
Return on assets (ROA) | 1.4709% | 970 |
Pretax return on assets | 1.5202% | 1,476 |
Return on Equity (ROE) | 6.1250% | 4,086 |
Retained earnings to average equity (ytd only) | 6.1250% | 1,845 |
Net charge-offs to loans | -0.0147% | 5,639 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6855% | 4,461 |
Assets per employee ($millions) | 4.9252% | 2,415 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7891% | 5,803 |
Loan loss allowance to noncurrent loans | 3,733.3333% | 202 |
Noncurrent assets plus other real estate owned to assets | 0.0068% | 6,056 |
Noncurrent loans to loans | 0.0211% | 5,804 |
Net loans and leases to total assets | 31.7684% | 6,120 |
Net loans and leases to deposits | 41.9369% | 5,972 |
Net loans and leases to core deposits | 45.0595% | 5,924 |
Total domestic deposits to total assets | 75.7529% | 5,774 |
Equity capital to assets | 24.0824% | 112 |
Core capital (leverage) ratio | 23.3788% | 113 |
Tier 1 risk-based capital ratio | 54.2646% | 114 |
Total risk-based capital ratio | 54.8561% | 114 |
Memoranda: | ||
Average total assets | $42,625,800 | 5,963 |
Average earning assets | $38,067,800 | 5,981 |
Average equity | $10,236,800 | 4,700 |
Average total loans | $13,618,800 | 6,207 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3826% | 5,622 |
Cost of funding earning assets | 0.8377% | 565 |
Net interest margin | 2.5449% | 6,190 |
Noninterest income to average assets | 1.9462% | 361 |
Noninterest expense to average assets | 2.5844% | 4,245 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.5926% | 767 |
Return on assets (ROA) | 1.7029% | 633 |
Pretax return on assets | 1.7503% | 977 |
Return on Equity (ROE) | 7.0962% | 3,663 |
Retained earnings to average equity (ytd only) | 7.0962% | 1,772 |
Net charge-offs to loans | -0.0099% | 5,424 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.2275% | 4,999 |
Assets per employee ($millions) | 4.7513% | 2,592 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8025% | 5,864 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
Noncurrent loans to loans | 0.0000% | 6,061 |
Net loans and leases to total assets | 32.0869% | 6,179 |
Net loans and leases to deposits | 42.5814% | 6,029 |
Net loans and leases to core deposits | 45.3902% | 5,980 |
Total domestic deposits to total assets | 75.3543% | 5,889 |
Equity capital to assets | 24.4633% | 104 |
Core capital (leverage) ratio | 23.7183% | 112 |
Tier 1 risk-based capital ratio | 56.1793% | 109 |
Total risk-based capital ratio | 56.7915% | 109 |
Memoranda: | ||
Average total assets | $42,200,500 | 6,049 |
Average earning assets | $37,721,500 | 6,065 |
Average equity | $10,127,250 | 4,758 |
Average total loans | $13,475,000 | 6,283 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3383% | 5,736 |
Cost of funding earning assets | 0.8346% | 598 |
Net interest margin | 2.5037% | 6,270 |
Noninterest income to average assets | 1.9851% | 349 |
Noninterest expense to average assets | 2.6087% | 4,210 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.5709% | 758 |
Return on assets (ROA) | 1.5709% | 789 |
Pretax return on assets | 1.6185% | 1,208 |
Return on Equity (ROE) | 6.5895% | 3,842 |
Retained earnings to average equity (ytd only) | 6.5895% | 1,985 |
Net charge-offs to loans | 0.0150% | 3,937 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 340.0000% | 202 |
Efficiency ratio | 61.7117% | 5,050 |
Assets per employee ($millions) | 4.6956% | 2,618 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8180% | 5,932 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
Noncurrent loans to loans | 0.0000% | 6,120 |
Net loans and leases to total assets | 31.2731% | 6,267 |
Net loans and leases to deposits | 41.4464% | 6,093 |
Net loans and leases to core deposits | 44.2051% | 6,058 |
Total domestic deposits to total assets | 75.4543% | 5,972 |
Equity capital to assets | 24.3729% | 103 |
Core capital (leverage) ratio | 23.5653% | 108 |
Tier 1 risk-based capital ratio | 56.2204% | 104 |
Total risk-based capital ratio | 56.8346% | 104 |
Memoranda: | ||
Average total assets | $42,013,330 | 6,110 |
Average earning assets | $37,624,000 | 6,123 |
Average equity | $10,016,000 | 4,804 |
Average total loans | $13,356,000 | 6,342 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3536% | 5,743 |
Cost of funding earning assets | 0.8224% | 659 |
Net interest margin | 2.5312% | 6,308 |
Noninterest income to average assets | 2.1294% | 301 |
Noninterest expense to average assets | 2.4636% | 4,746 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.8811% | 410 |
Return on assets (ROA) | 1.8811% | 431 |
Pretax return on assets | 1.9289% | 614 |
Return on Equity (ROE) | 7.9806% | 2,941 |
Retained earnings to average equity (ytd only) | 7.9806% | 1,602 |
Net charge-offs to loans | -0.0299% | 5,554 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.6522% | 6,582 |
Assets per employee ($millions) | 4.6118% | 2,794 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8496% | 6,005 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
Noncurrent loans to loans | 0.0000% | 6,210 |
Net loans and leases to total assets | 31.2099% | 6,296 |
Net loans and leases to deposits | 41.2705% | 6,119 |
Net loans and leases to core deposits | 44.0582% | 6,075 |
Total domestic deposits to total assets | 75.6228% | 6,107 |
Equity capital to assets | 24.1917% | 105 |
Core capital (leverage) ratio | 23.5770% | 111 |
Tier 1 risk-based capital ratio | 57.5655% | 102 |
Total risk-based capital ratio | 58.2145% | 101 |
Memoranda: | ||
Average total assets | $41,890,000 | 6,171 |
Average earning assets | $37,452,000 | 6,185 |
Average equity | $9,874,000 | 4,851 |
Average total loans | $13,371,500 | 6,405 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5448% | 5,546 |
Cost of funding earning assets | 0.8869% | 794 |
Net interest margin | 2.6579% | 6,195 |
Noninterest income to average assets | 2.1484% | 356 |
Noninterest expense to average assets | 2.7455% | 3,926 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.6982% | 585 |
Return on assets (ROA) | 1.6982% | 595 |
Pretax return on assets | 1.7349% | 885 |
Return on Equity (ROE) | 7.1307% | 3,496 |
Retained earnings to average equity (ytd only) | 7.1307% | 1,387 |
Net charge-offs to loans | -0.0312% | 6,237 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.2780% | 5,316 |
Assets per employee ($millions) | 4.6971% | 2,591 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8042% | 6,168 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
Noncurrent loans to loans | 0.0000% | 6,319 |
Net loans and leases to total assets | 32.0954% | 6,376 |
Net loans and leases to deposits | 41.7336% | 6,242 |
Net loans and leases to core deposits | 44.4415% | 6,208 |
Total domestic deposits to total assets | 76.9054% | 5,985 |
Equity capital to assets | 22.9621% | 125 |
Core capital (leverage) ratio | 23.1817% | 113 |
Tier 1 risk-based capital ratio | 55.4738% | 107 |
Total risk-based capital ratio | 56.1063% | 108 |
Memoranda: | ||
Average total assets | $40,867,000 | 6,266 |
Average earning assets | $35,855,400 | 6,295 |
Average equity | $9,732,600 | 4,912 |
Average total loans | $12,821,600 | 6,491 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5623% | 5,546 |
Cost of funding earning assets | 0.9000% | 815 |
Net interest margin | 2.6623% | 6,233 |
Noninterest income to average assets | 2.3102% | 334 |
Noninterest expense to average assets | 2.7051% | 4,004 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.8659% | 462 |
Return on assets (ROA) | 1.8659% | 473 |
Pretax return on assets | 1.9219% | 683 |
Return on Equity (ROE) | 7.7624% | 3,254 |
Retained earnings to average equity (ytd only) | 7.7624% | 1,518 |
Net charge-offs to loans | -0.0212% | 6,055 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.4637% | 5,632 |
Assets per employee ($millions) | 4.4978% | 2,889 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8014% | 6,284 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
Noncurrent loans to loans | 0.0000% | 6,405 |
Net loans and leases to total assets | 33.0237% | 6,408 |
Net loans and leases to deposits | 43.4732% | 6,236 |
Net loans and leases to core deposits | 46.4586% | 6,196 |
Total domestic deposits to total assets | 75.9634% | 6,174 |
Equity capital to assets | 23.8389% | 111 |
Core capital (leverage) ratio | 22.8942% | 115 |
Tier 1 risk-based capital ratio | 53.9892% | 115 |
Total risk-based capital ratio | 54.6016% | 115 |
Memoranda: | ||
Average total assets | $40,515,250 | 6,344 |
Average earning assets | $35,257,000 | 6,380 |
Average equity | $9,739,000 | 4,968 |
Average total loans | $12,607,500 | 6,562 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5929% | 5,457 |
Cost of funding earning assets | 0.9054% | 875 |
Net interest margin | 2.6875% | 6,197 |
Noninterest income to average assets | 2.3392% | 359 |
Noninterest expense to average assets | 2.5119% | 4,680 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 2.0875% | 309 |
Return on assets (ROA) | 2.0875% | 324 |
Pretax return on assets | 2.1418% | 467 |
Return on Equity (ROE) | 8.6603% | 2,776 |
Retained earnings to average equity (ytd only) | 8.6603% | 1,242 |
Net charge-offs to loans | -0.0162% | 5,895 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.9767% | 6,146 |
Assets per employee ($millions) | 4.4278% | 2,931 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8601% | 6,231 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
Noncurrent loans to loans | 0.0000% | 6,469 |
Net loans and leases to total assets | 30.9511% | 6,546 |
Net loans and leases to deposits | 40.9754% | 6,369 |
Net loans and leases to core deposits | 43.8449% | 6,337 |
Total domestic deposits to total assets | 75.5358% | 6,304 |
Equity capital to assets | 24.2735% | 95 |
Core capital (leverage) ratio | 23.0382% | 109 |
Tier 1 risk-based capital ratio | 56.6792% | 100 |
Total risk-based capital ratio | 57.3259% | 100 |
Memoranda: | ||
Average total assets | $40,527,000 | 6,389 |
Average earning assets | $34,902,330 | 6,435 |
Average equity | $9,768,670 | 4,993 |
Average total loans | $12,318,000 | 6,618 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6282% | 5,368 |
Cost of funding earning assets | 0.9070% | 954 |
Net interest margin | 2.7211% | 6,184 |
Noninterest income to average assets | 2.4568% | 329 |
Noninterest expense to average assets | 2.5645% | 4,515 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 2.1534% | 265 |
Return on assets (ROA) | 2.1534% | 290 |
Pretax return on assets | 2.2121% | 408 |
Return on Equity (ROE) | 8.9645% | 2,503 |
Retained earnings to average equity (ytd only) | 8.9645% | 1,393 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.6885% | 6,252 |
Assets per employee ($millions) | 4.4448% | 3,069 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9063% | 6,246 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
Noncurrent loans to loans | 0.0000% | 6,535 |
Net loans and leases to total assets | 28.9728% | 6,638 |
Net loans and leases to deposits | 38.5960% | 6,481 |
Net loans and leases to core deposits | 41.2985% | 6,426 |
Total domestic deposits to total assets | 75.0669% | 6,452 |
Equity capital to assets | 24.6856% | 97 |
Core capital (leverage) ratio | 22.7558% | 116 |
Tier 1 risk-based capital ratio | 58.0082% | 95 |
Total risk-based capital ratio | 58.6785% | 100 |
Memoranda: | ||
Average total assets | $40,865,500 | 6,440 |
Average earning assets | $34,838,500 | 6,494 |
Average equity | $9,816,500 | 5,033 |
Average total loans | $12,256,500 | 6,686 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9976% | 5,313 |
Cost of funding earning assets | 1.0397% | 1,167 |
Net interest margin | 2.9579% | 6,125 |
Noninterest income to average assets | 2.2696% | 363 |
Noninterest expense to average assets | 2.8350% | 3,894 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 1.8918% | 440 |
Return on assets (ROA) | 2.0381% | 365 |
Pretax return on assets | 2.1054% | 484 |
Return on Equity (ROE) | 8.1129% | 3,038 |
Retained earnings to average equity (ytd only) | 8.1129% | 1,083 |
Net charge-offs to loans | 0.0082% | 5,832 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 726.0000% | 53 |
Efficiency ratio | 59.1906% | 5,666 |
Assets per employee ($millions) | 4.6364% | 2,719 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8270% | 6,434 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 30.4616% | 6,685 |
Net loans and leases to deposits | 39.8839% | 6,559 |
Net loans and leases to core deposits | 42.4961% | 6,526 |
Total domestic deposits to total assets | 76.3756% | 6,307 |
Equity capital to assets | 23.3848% | 116 |
Core capital (leverage) ratio | 23.4687% | 108 |
Tier 1 risk-based capital ratio | 52.7699% | 128 |
Total risk-based capital ratio | 53.3946% | 129 |
Memoranda: | ||
Average total assets | $37,143,200 | 6,579 |
Average earning assets | $31,644,200 | 6,621 |
Average equity | $9,330,800 | 5,142 |
Average total loans | $12,141,600 | 6,775 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1484% | 4,994 |
Cost of funding earning assets | 1.0871% | 1,114 |
Net interest margin | 3.0612% | 6,041 |
Noninterest income to average assets | 2.3483% | 335 |
Noninterest expense to average assets | 2.8520% | 3,788 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 2.0598% | 352 |
Return on assets (ROA) | 2.2631% | 281 |
Pretax return on assets | 2.3112% | 397 |
Return on Equity (ROE) | 8.8319% | 2,885 |
Retained earnings to average equity (ytd only) | 8.8319% | 1,293 |
Net charge-offs to loans | -0.0334% | 6,602 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.5486% | 5,849 |
Assets per employee ($millions) | 4.0613% | 3,747 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9276% | 6,308 |
Loan loss allowance to noncurrent loans | 2,200.0000% | 239 |
Noncurrent assets plus other real estate owned to assets | 0.0137% | 6,745 |
Noncurrent loans to loans | 0.0422% | 6,512 |
Net loans and leases to total assets | 32.1432% | 6,737 |
Net loans and leases to deposits | 43.8199% | 6,513 |
Net loans and leases to core deposits | 47.2626% | 6,459 |
Total domestic deposits to total assets | 73.3530% | 6,651 |
Equity capital to assets | 26.3542% | 95 |
Core capital (leverage) ratio | 24.0485% | 107 |
Tier 1 risk-based capital ratio | 57.9932% | 102 |
Total risk-based capital ratio | 58.7174% | 103 |
Memoranda: | ||
Average total assets | $35,997,000 | 6,689 |
Average earning assets | $30,662,000 | 6,731 |
Average equity | $9,224,000 | 5,210 |
Average total loans | $11,972,750 | 6,871 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2432% | 4,792 |
Cost of funding earning assets | 1.1152% | 1,148 |
Net interest margin | 3.1279% | 5,914 |
Noninterest income to average assets | 2.2339% | 341 |
Noninterest expense to average assets | 2.7421% | 4,243 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 2.1061% | 338 |
Return on assets (ROA) | 2.4126% | 229 |
Pretax return on assets | 2.4517% | 318 |
Return on Equity (ROE) | 9.5074% | 2,569 |
Retained earnings to average equity (ytd only) | 9.5074% | 1,112 |
Net charge-offs to loans | -0.0333% | 6,561 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.1785% | 6,095 |
Assets per employee ($millions) | 3.9960% | 3,891 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8745% | 6,520 |
Loan loss allowance to noncurrent loans | 5,450.0000% | 113 |
Noncurrent assets plus other real estate owned to assets | 0.0056% | 6,844 |
Noncurrent loans to loans | 0.0160% | 6,653 |
Net loans and leases to total assets | 34.3538% | 6,715 |
Net loans and leases to deposits | 46.5963% | 6,398 |
Net loans and leases to core deposits | 50.2890% | 6,326 |
Total domestic deposits to total assets | 73.7265% | 6,698 |
Equity capital to assets | 26.0177% | 94 |
Core capital (leverage) ratio | 23.5390% | 107 |
Tier 1 risk-based capital ratio | 56.6179% | 106 |
Total risk-based capital ratio | 57.3332% | 107 |
Memoranda: | ||
Average total assets | $35,812,000 | 6,742 |
Average earning assets | $30,307,670 | 6,789 |
Average equity | $9,087,670 | 5,239 |
Average total loans | $12,010,670 | 6,926 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3995% | 4,341 |
Cost of funding earning assets | 1.1840% | 1,052 |
Net interest margin | 3.2156% | 5,744 |
Noninterest income to average assets | 2.0036% | 406 |
Noninterest expense to average assets | 2.7647% | 4,183 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.8916% | 499 |
Return on assets (ROA) | 1.8916% | 573 |
Pretax return on assets | 1.9140% | 856 |
Return on Equity (ROE) | 7.5505% | 3,471 |
Retained earnings to average equity (ytd only) | 7.5505% | 2,150 |
Net charge-offs to loans | -0.0679% | 6,657 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.0909% | 5,758 |
Assets per employee ($millions) | 3.8804% | 4,241 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9340% | 6,460 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 32.7998% | 6,789 |
Net loans and leases to deposits | 44.3580% | 6,536 |
Net loans and leases to core deposits | 47.9610% | 6,460 |
Total domestic deposits to total assets | 73.9434% | 6,751 |
Equity capital to assets | 25.7674% | 90 |
Core capital (leverage) ratio | 23.3049% | 112 |
Tier 1 risk-based capital ratio | 60.3216% | 95 |
Total risk-based capital ratio | 61.1003% | 94 |
Memoranda: | ||
Average total assets | $35,736,000 | 6,804 |
Average earning assets | $29,730,500 | 6,861 |
Average equity | $8,953,000 | 5,295 |
Average total loans | $11,784,000 | 6,993 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6480% | 4,462 |
Cost of funding earning assets | 1.3112% | 1,426 |
Net interest margin | 3.3368% | 5,699 |
Noninterest income to average assets | 2.3124% | 302 |
Noninterest expense to average assets | 3.0923% | 3,224 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 1.9846% | 320 |
Return on assets (ROA) | 1.9846% | 339 |
Pretax return on assets | 2.0544% | 476 |
Return on Equity (ROE) | 7.7468% | 3,033 |
Retained earnings to average equity (ytd only) | 7.7468% | 1,174 |
Net charge-offs to loans | 0.0174% | 6,197 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 338.5000% | 105 |
Efficiency ratio | 60.0825% | 5,744 |
Assets per employee ($millions) | 3.6548% | 4,647 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8830% | 6,575 |
Loan loss allowance to noncurrent loans | 230.4348% | 1,442 |
Noncurrent assets plus other real estate owned to assets | 0.1259% | 6,636 |
Noncurrent loans to loans | 0.3832% | 5,946 |
Net loans and leases to total assets | 32.5572% | 6,929 |
Net loans and leases to deposits | 43.2062% | 6,749 |
Net loans and leases to core deposits | 46.4678% | 6,717 |
Total domestic deposits to total assets | 75.3530% | 6,555 |
Equity capital to assets | 24.3707% | 111 |
Core capital (leverage) ratio | 24.2557% | 109 |
Tier 1 risk-based capital ratio | 55.2366% | 113 |
Total risk-based capital ratio | 55.9509% | 114 |
Memoranda: | ||
Average total assets | $32,953,200 | 6,893 |
Average earning assets | $27,990,600 | 6,922 |
Average equity | $8,442,200 | 5,423 |
Average total loans | $11,516,800 | 7,057 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7394% | 4,285 |
Cost of funding earning assets | 1.3192% | 1,598 |
Net interest margin | 3.4202% | 5,507 |
Noninterest income to average assets | 2.7453% | 239 |
Noninterest expense to average assets | 3.1404% | 3,025 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 2.5206% | 151 |
Return on assets (ROA) | 2.5206% | 156 |
Pretax return on assets | 2.5706% | 216 |
Return on Equity (ROE) | 9.7043% | 2,308 |
Retained earnings to average equity (ytd only) | 9.7043% | 925 |
Net charge-offs to loans | 0.0234% | 5,821 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 308.6067% | 122 |
Efficiency ratio | 54.9891% | 6,387 |
Assets per employee ($millions) | 3.6642% | 4,609 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9547% | 6,438 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 33.6618% | 6,972 |
Net loans and leases to deposits | 46.2253% | 6,731 |
Net loans and leases to core deposits | 50.2558% | 6,658 |
Total domestic deposits to total assets | 72.8213% | 6,870 |
Equity capital to assets | 26.8634% | 95 |
Core capital (leverage) ratio | 24.5061% | 118 |
Tier 1 risk-based capital ratio | 60.1757% | 110 |
Total risk-based capital ratio | 60.9659% | 111 |
Memoranda: | ||
Average total assets | $32,054,500 | 6,983 |
Average earning assets | $27,794,750 | 7,000 |
Average equity | $8,326,000 | 5,506 |
Average total loans | $11,394,750 | 7,132 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7709% | 4,208 |
Cost of funding earning assets | 1.3156% | 1,848 |
Net interest margin | 3.4553% | 5,342 |
Noninterest income to average assets | 3.2444% | 204 |
Noninterest expense to average assets | 3.1940% | 2,920 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 3.0113% | 103 |
Return on assets (ROA) | 3.0113% | 105 |
Pretax return on assets | 3.0617% | 138 |
Return on Equity (ROE) | 11.7325% | 1,571 |
Retained earnings to average equity (ytd only) | 11.7325% | 559 |
Net charge-offs to loans | 0.0524% | 5,128 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 162.0000% | 220 |
Efficiency ratio | 51.0574% | 6,868 |
Assets per employee ($millions) | 3.5297% | 4,860 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8876% | 6,691 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 37.2588% | 6,900 |
Net loans and leases to deposits | 51.1252% | 6,524 |
Net loans and leases to core deposits | 55.7434% | 6,432 |
Total domestic deposits to total assets | 72.8775% | 6,938 |
Equity capital to assets | 26.8392% | 105 |
Core capital (leverage) ratio | 24.6876% | 117 |
Tier 1 risk-based capital ratio | 57.5436% | 117 |
Total risk-based capital ratio | 58.3040% | 118 |
Memoranda: | ||
Average total assets | $31,746,670 | 7,053 |
Average earning assets | $27,667,670 | 7,067 |
Average equity | $8,148,330 | 5,562 |
Average total loans | $11,457,000 | 7,202 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8310% | 3,909 |
Cost of funding earning assets | 1.3550% | 1,853 |
Net interest margin | 3.4760% | 5,116 |
Noninterest income to average assets | 3.0249% | 218 |
Noninterest expense to average assets | 2.9871% | 3,697 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 2.9871% | 112 |
Return on assets (ROA) | 2.9871% | 115 |
Pretax return on assets | 3.0123% | 145 |
Return on Equity (ROE) | 11.9103% | 1,487 |
Retained earnings to average equity (ytd only) | 11.9103% | 750 |
Net charge-offs to loans | -0.0357% | 6,765 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.7899% | 7,002 |
Assets per employee ($millions) | 3.4794% | 5,036 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9878% | 6,443 |
Loan loss allowance to noncurrent loans | 1,557.1429% | 268 |
Noncurrent assets plus other real estate owned to assets | 0.0224% | 7,119 |
Noncurrent loans to loans | 0.0634% | 6,888 |
Net loans and leases to total assets | 34.8906% | 7,053 |
Net loans and leases to deposits | 47.1477% | 6,788 |
Net loans and leases to core deposits | 51.3826% | 6,708 |
Total domestic deposits to total assets | 74.0029% | 6,899 |
Equity capital to assets | 25.7225% | 110 |
Core capital (leverage) ratio | 24.5526% | 114 |
Tier 1 risk-based capital ratio | 61.5379% | 101 |
Total risk-based capital ratio | 62.4001% | 100 |
Memoranda: | ||
Average total assets | $31,736,500 | 7,102 |
Average earning assets | $27,158,000 | 7,128 |
Average equity | $7,959,500 | 5,618 |
Average total loans | $11,214,500 | 7,261 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8332% | 5,300 |
Cost of funding earning assets | 1.5931% | 2,108 |
Net interest margin | 3.2401% | 6,167 |
Noninterest income to average assets | 0.9985% | 1,506 |
Noninterest expense to average assets | 3.0775% | 3,557 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 0.7229% | 3,136 |
Return on assets (ROA) | 0.8725% | 2,634 |
Pretax return on assets | 0.9166% | 3,215 |
Return on Equity (ROE) | 3.5295% | 4,737 |
Retained earnings to average equity (ytd only) | 3.5295% | 3,386 |
Net charge-offs to loans | -0.0188% | 7,364 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.2135% | 2,387 |
Assets per employee ($millions) | 3.5731% | 4,770 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9479% | 6,582 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 35.0955% | 7,196 |
Net loans and leases to deposits | 46.5979% | 7,017 |
Net loans and leases to core deposits | 51.0263% | 6,941 |
Total domestic deposits to total assets | 75.3156% | 6,728 |
Equity capital to assets | 24.4543% | 129 |
Core capital (leverage) ratio | 23.9436% | 138 |
Tier 1 risk-based capital ratio | 53.3926% | 133 |
Total risk-based capital ratio | 54.1543% | 135 |
Memoranda: | ||
Average total assets | $31,746,200 | 7,153 |
Average earning assets | $27,807,600 | 7,165 |
Average equity | $7,848,200 | 5,764 |
Average total loans | $10,663,800 | 7,365 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8335% | 5,531 |
Cost of funding earning assets | 1.6318% | 2,201 |
Net interest margin | 3.2017% | 6,336 |
Noninterest income to average assets | 0.8259% | 2,098 |
Noninterest expense to average assets | 3.1222% | 3,230 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 0.5035% | 4,298 |
Return on assets (ROA) | 0.6995% | 3,573 |
Pretax return on assets | 0.7500% | 4,080 |
Return on Equity (ROE) | 2.8216% | 5,296 |
Retained earnings to average equity (ytd only) | 2.8216% | 4,451 |
Net charge-offs to loans | -0.0255% | 7,383 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.2704% | 1,706 |
Assets per employee ($millions) | 3.5014% | 4,977 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9986% | 6,400 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 33.9765% | 7,344 |
Net loans and leases to deposits | 45.9016% | 7,178 |
Net loans and leases to core deposits | 55.6699% | 6,876 |
Total domestic deposits to total assets | 74.0202% | 6,920 |
Equity capital to assets | 25.6434% | 129 |
Core capital (leverage) ratio | 22.9040% | 154 |
Tier 1 risk-based capital ratio | 56.5729% | 123 |
Total risk-based capital ratio | 57.3921% | 123 |
Memoranda: | ||
Average total assets | $31,643,250 | 7,235 |
Average earning assets | $28,025,750 | 7,247 |
Average equity | $7,844,250 | 5,846 |
Average total loans | $10,481,250 | 7,466 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8475% | 5,615 |
Cost of funding earning assets | 1.6489% | 2,396 |
Net interest margin | 3.1986% | 6,325 |
Noninterest income to average assets | 0.6059% | 3,295 |
Noninterest expense to average assets | 3.1307% | 3,182 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 0.3124% | 5,130 |
Return on assets (ROA) | 0.6122% | 3,961 |
Pretax return on assets | 0.6438% | 4,422 |
Return on Equity (ROE) | 2.4983% | 5,466 |
Retained earnings to average equity (ytd only) | 2.4983% | 4,567 |
Net charge-offs to loans | -0.0193% | 7,278 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 90.5109% | 1,297 |
Assets per employee ($millions) | 3.1065% | 5,903 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0114% | 6,349 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 33.7100% | 7,430 |
Net loans and leases to deposits | 45.3667% | 7,277 |
Net loans and leases to core deposits | 55.1158% | 6,986 |
Total domestic deposits to total assets | 74.3055% | 6,942 |
Equity capital to assets | 25.3855% | 132 |
Core capital (leverage) ratio | 22.7211% | 159 |
Tier 1 risk-based capital ratio | 57.1782% | 123 |
Total risk-based capital ratio | 58.0063% | 121 |
Memoranda: | ||
Average total assets | $31,686,670 | 7,291 |
Average earning assets | $28,262,000 | 7,283 |
Average equity | $7,765,330 | 5,880 |
Average total loans | $10,370,000 | 7,534 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7697% | 6,000 |
Cost of funding earning assets | 1.6127% | 2,881 |
Net interest margin | 3.1570% | 6,429 |
Noninterest income to average assets | 0.3625% | 5,239 |
Noninterest expense to average assets | 3.0502% | 3,477 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 0.1875% | 5,726 |
Return on assets (ROA) | 0.1875% | 5,853 |
Pretax return on assets | 0.2000% | 5,877 |
Return on Equity (ROE) | 0.7787% | 6,182 |
Retained earnings to average equity (ytd only) | 0.7787% | 5,510 |
Net charge-offs to loans | -0.0390% | 7,276 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 93.8462% | 1,142 |
Assets per employee ($millions) | 3.2059% | 5,755 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0430% | 6,268 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
Noncurrent loans to loans | 0.0000% | 7,426 |
Net loans and leases to total assets | 31.6666% | 7,576 |
Net loans and leases to deposits | 41.9227% | 7,462 |
Net loans and leases to core deposits | 50.1061% | 7,279 |
Total domestic deposits to total assets | 75.5357% | 6,827 |
Equity capital to assets | 24.1399% | 161 |
Core capital (leverage) ratio | 22.5285% | 175 |
Tier 1 risk-based capital ratio | 56.5130% | 123 |
Total risk-based capital ratio | 57.3407% | 122 |
Memoranda: | ||
Average total assets | $31,997,500 | 7,382 |
Average earning assets | $29,268,000 | 7,346 |
Average equity | $7,705,000 | 5,942 |
Average total loans | $10,265,500 | 7,639 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2092% | 5,612 |
Cost of funding earning assets | 1.9431% | 3,245 |
Net interest margin | 3.2661% | 5,869 |
Noninterest income to average assets | 1.7335% | 483 |
Noninterest expense to average assets | 3.4328% | 2,579 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 1.0989% | 1,512 |
Return on assets (ROA) | 1.2178% | 1,254 |
Pretax return on assets | 1.3638% | 1,520 |
Return on Equity (ROE) | 5.1538% | 3,601 |
Retained earnings to average equity (ytd only) | 5.1538% | 1,737 |
Net charge-offs to loans | 0.0453% | 6,651 |
Credit loss provision to net charge-offs | 0.0000% | 7,003 |
Earnings coverage of net charge-offs (x) | 79.2000% | 345 |
Efficiency ratio | 73.6176% | 3,972 |
Assets per employee ($millions) | 3.1936% | 5,737 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0319% | 6,204 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
Noncurrent loans to loans | 0.0000% | 7,460 |
Net loans and leases to total assets | 31.8324% | 7,665 |
Net loans and leases to deposits | 42.0621% | 7,568 |
Net loans and leases to core deposits | 63.1389% | 7,143 |
Total domestic deposits to total assets | 75.6795% | 6,743 |
Equity capital to assets | 24.0199% | 184 |
Core capital (leverage) ratio | 22.1238% | 206 |
Tier 1 risk-based capital ratio | 55.0963% | 130 |
Total risk-based capital ratio | 55.8972% | 129 |
Memoranda: | ||
Average total assets | $32,189,000 | 7,395 |
Average earning assets | $28,872,000 | 7,397 |
Average equity | $7,606,000 | 6,049 |
Average total loans | $11,037,400 | 7,656 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3698% | 5,095 |
Cost of funding earning assets | 1.9940% | 3,384 |
Net interest margin | 3.3758% | 5,361 |
Noninterest income to average assets | 1.9554% | 387 |
Noninterest expense to average assets | 3.4973% | 2,287 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.2624% | 1,312 |
Return on assets (ROA) | 1.3229% | 1,238 |
Pretax return on assets | 1.5378% | 1,307 |
Return on Equity (ROE) | 5.6215% | 3,685 |
Retained earnings to average equity (ytd only) | 5.6215% | 2,147 |
Net charge-offs to loans | 0.0475% | 6,250 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 88.8030% | 397 |
Efficiency ratio | 70.4413% | 4,501 |
Assets per employee ($millions) | 3.1631% | 5,746 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0245% | 6,134 |
Loan loss allowance to noncurrent loans | 175.4098% | 1,670 |
Noncurrent assets plus other real estate owned to assets | 0.1928% | 7,049 |
Noncurrent loans to loans | 0.5841% | 6,146 |
Net loans and leases to total assets | 32.6800% | 7,726 |
Net loans and leases to deposits | 43.5205% | 7,636 |
Net loans and leases to core deposits | 66.2756% | 7,148 |
Total domestic deposits to total assets | 75.0909% | 6,758 |
Equity capital to assets | 24.5108% | 182 |
Core capital (leverage) ratio | 22.3370% | 226 |
Tier 1 risk-based capital ratio | 53.6603% | 146 |
Total risk-based capital ratio | 54.4556% | 150 |
Memoranda: | ||
Average total assets | $32,252,250 | 7,455 |
Average earning assets | $28,752,750 | 7,471 |
Average equity | $7,589,750 | 6,118 |
Average total loans | $11,228,750 | 7,721 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5446% | 4,362 |
Cost of funding earning assets | 1.9980% | 3,786 |
Net interest margin | 3.5466% | 4,589 |
Noninterest income to average assets | 2.4646% | 271 |
Noninterest expense to average assets | 3.5429% | 2,215 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.7869% | 478 |
Return on assets (ROA) | 1.7869% | 516 |
Pretax return on assets | 2.0826% | 456 |
Return on Equity (ROE) | 7.6971% | 2,891 |
Retained earnings to average equity (ytd only) | 7.6971% | 1,319 |
Net charge-offs to loans | 0.0696% | 5,538 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 84.5000% | 456 |
Efficiency ratio | 62.9792% | 6,087 |
Assets per employee ($millions) | 3.0730% | 5,937 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0050% | 6,200 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
Noncurrent loans to loans | 0.0000% | 7,580 |
Net loans and leases to total assets | 34.2987% | 7,763 |
Net loans and leases to deposits | 45.8460% | 7,641 |
Net loans and leases to core deposits | 70.7430% | 6,984 |
Total domestic deposits to total assets | 74.8129% | 6,797 |
Equity capital to assets | 24.7803% | 205 |
Core capital (leverage) ratio | 21.3465% | 299 |
Tier 1 risk-based capital ratio | 54.5641% | 150 |
Total risk-based capital ratio | 55.3760% | 153 |
Memoranda: | ||
Average total assets | $32,459,330 | 7,510 |
Average earning assets | $28,929,000 | 7,530 |
Average equity | $7,535,330 | 6,170 |
Average total loans | $11,490,330 | 7,782 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6292% | 4,183 |
Cost of funding earning assets | 1.9844% | 4,206 |
Net interest margin | 3.6448% | 4,122 |
Noninterest income to average assets | 2.5567% | 246 |
Noninterest expense to average assets | 3.7210% | 1,612 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.6205% | 760 |
Return on assets (ROA) | 1.6205% | 836 |
Pretax return on assets | 2.0766% | 566 |
Return on Equity (ROE) | 7.2043% | 3,500 |
Retained earnings to average equity (ytd only) | 7.2043% | 2,129 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.1822% | 5,655 |
Assets per employee ($millions) | 3.0169% | 6,108 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0770% | 5,633 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,590 |
Net loans and leases to total assets | 33.7930% | 7,810 |
Net loans and leases to deposits | 45.3999% | 7,683 |
Net loans and leases to core deposits | 69.6999% | 7,039 |
Total domestic deposits to total assets | 74.4340% | 6,811 |
Equity capital to assets | 25.1351% | 222 |
Core capital (leverage) ratio | 20.6649% | 366 |
Tier 1 risk-based capital ratio | 54.6316% | 165 |
Total risk-based capital ratio | 55.4934% | 166 |
Memoranda: | ||
Average total assets | $33,324,000 | 7,518 |
Average earning assets | $29,631,000 | 7,538 |
Average equity | $7,495,500 | 6,218 |
Average total loans | $11,912,000 | 7,806 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3787% | 7,492 |
Cost of funding earning assets | 2.4059% | 4,702 |
Net interest margin | 2.9729% | 6,977 |
Noninterest income to average assets | 3.7335% | 158 |
Noninterest expense to average assets | 4.0162% | 1,395 |
Loan and lease loss provision to assets | 0.1443% | 5,510 |
Net operating income to assets | 2.2043% | 236 |
Return on assets (ROA) | 2.6140% | 106 |
Pretax return on assets | 2.7208% | 134 |
Return on Equity (ROE) | 13.2802% | 1,263 |
Retained earnings to average equity (ytd only) | 13.2802% | 150 |
Net charge-offs to loans | 0.0814% | 5,602 |
Credit loss provision to net charge-offs | 416.6667% | 1,048 |
Earnings coverage of net charge-offs (x) | 70.9167% | 574 |
Efficiency ratio | 62.0597% | 5,942 |
Assets per employee ($millions) | 3.0399% | 5,957 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8211% | 7,025 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 36.7527% | 7,806 |
Net loans and leases to deposits | 46.3013% | 7,773 |
Net loans and leases to core deposits | 64.8088% | 7,410 |
Total domestic deposits to total assets | 79.3772% | 5,245 |
Equity capital to assets | 20.3076% | 447 |
Core capital (leverage) ratio | 21.2495% | 359 |
Tier 1 risk-based capital ratio | 39.9248% | 341 |
Total risk-based capital ratio | 40.5670% | 346 |
Memoranda: | ||
Average total assets | $34,659,400 | 7,436 |
Average earning assets | $31,922,000 | 7,410 |
Average equity | $6,822,200 | 6,516 |
Average total loans | $14,749,200 | 7,664 |