Home > The Farmers and Merchants Bank > Performance and Condition Ratios
The Farmers and Merchants 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 | 4.9938% | 2,078 |
Cost of funding earning assets | 0.4526% | 4,245 |
Net interest margin | 4.5412% | 573 |
Noninterest income to average assets | 0.2700% | 3,317 |
Noninterest expense to average assets | 2.7420% | 1,643 |
Loan and lease loss provision to assets | 0.3500% | 287 |
Net operating income to assets | 1.1428% | 1,801 |
Return on assets (ROA) | 1.1428% | 1,773 |
Pretax return on assets | 1.4076% | 1,616 |
Return on Equity (ROE) | 8.6400% | 2,853 |
Retained earnings to average equity (ytd only) | 3.9761% | 2,970 |
Net charge-offs to loans | 0.1570% | 663 |
Credit loss provision to net charge-offs | 350.0000% | 848 |
Earnings coverage of net charge-offs (x) | 17.7667% | 1,965 |
Efficiency ratio | 61.0024% | 2,968 |
Assets per employee ($millions) | 4.3409% | 4,027 |
Cash dividends to net income (ytd only)* | 53.9568% | 1,451 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8046% | 533 |
Loan loss allowance to noncurrent loans | 47.7939% | 3,634 |
Noncurrent assets plus other real estate owned to assets | 2.4427% | 95 |
Noncurrent loans to loans | 3.7759% | 96 |
Net loans and leases to total assets | 63.5200% | 2,508 |
Net loans and leases to deposits | 73.7523% | 2,633 |
Net loans and leases to core deposits | 77.2166% | 2,901 |
Total domestic deposits to total assets | 86.1300% | 1,968 |
Equity capital to assets | 13.6936% | 733 |
Core capital (leverage) ratio | 15.0707% | 614 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $121,628,400 | 3,640 |
Average earning assets | $113,119,200 | 3,614 |
Average equity | $16,096,200 | 3,173 |
Average total loans | $76,414,600 | 3,464 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9619% | 1,916 |
Cost of funding earning assets | 0.3665% | 4,294 |
Net interest margin | 4.5953% | 534 |
Noninterest income to average assets | 0.2400% | 3,510 |
Noninterest expense to average assets | 2.7938% | 1,445 |
Loan and lease loss provision to assets | 0.3500% | 251 |
Net operating income to assets | 1.1168% | 2,002 |
Return on assets (ROA) | 1.1168% | 1,984 |
Pretax return on assets | 1.3755% | 1,834 |
Return on Equity (ROE) | 8.5100% | 3,059 |
Retained earnings to average equity (ytd only) | 6.2157% | 2,566 |
Net charge-offs to loans | 0.1441% | 570 |
Credit loss provision to net charge-offs | 385.3659% | 737 |
Earnings coverage of net charge-offs (x) | 19.1585% | 1,845 |
Efficiency ratio | 61.8689% | 2,736 |
Assets per employee ($millions) | 4.2853% | 4,051 |
Cash dividends to net income (ytd only)* | 26.9872% | 2,188 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7519% | 628 |
Loan loss allowance to noncurrent loans | 45.8800% | 3,658 |
Noncurrent assets plus other real estate owned to assets | 2.4577% | 100 |
Noncurrent loans to loans | 3.8184% | 85 |
Net loans and leases to total assets | 63.2400% | 2,534 |
Net loans and leases to deposits | 73.2017% | 2,633 |
Net loans and leases to core deposits | 76.4190% | 2,838 |
Total domestic deposits to total assets | 86.3900% | 2,071 |
Equity capital to assets | 13.4096% | 735 |
Core capital (leverage) ratio | 15.1124% | 607 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $121,649,000 | 3,647 |
Average earning assets | $113,127,000 | 3,630 |
Average equity | $15,959,250 | 3,173 |
Average total loans | $75,860,500 | 3,476 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9513% | 1,648 |
Cost of funding earning assets | 0.2847% | 4,336 |
Net interest margin | 4.6665% | 488 |
Noninterest income to average assets | 0.2400% | 3,497 |
Noninterest expense to average assets | 2.6923% | 1,658 |
Loan and lease loss provision to assets | 0.3400% | 263 |
Net operating income to assets | 1.2504% | 1,692 |
Return on assets (ROA) | 1.2504% | 1,684 |
Pretax return on assets | 1.5450% | 1,509 |
Return on Equity (ROE) | 9.6000% | 2,815 |
Retained earnings to average equity (ytd only) | 6.1449% | 2,572 |
Net charge-offs to loans | -0.0557% | 4,397 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 58.7710% | 3,101 |
Assets per employee ($millions) | 4.1679% | 4,113 |
Cash dividends to net income (ytd only)* | 35.9948% | 1,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7843% | 637 |
Loan loss allowance to noncurrent loans | 42.5197% | 3,686 |
Noncurrent assets plus other real estate owned to assets | 2.6268% | 93 |
Noncurrent loans to loans | 4.1965% | 78 |
Net loans and leases to total assets | 61.4800% | 2,625 |
Net loans and leases to deposits | 70.9777% | 2,717 |
Net loans and leases to core deposits | 73.6722% | 2,915 |
Total domestic deposits to total assets | 86.6200% | 2,047 |
Equity capital to assets | 13.2573% | 759 |
Core capital (leverage) ratio | 14.7350% | 625 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $122,202,333 | 3,654 |
Average earning assets | $113,788,667 | 3,641 |
Average equity | $15,915,667 | 3,196 |
Average total loans | $75,403,667 | 3,483 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7745% | 1,680 |
Cost of funding earning assets | 0.1887% | 4,401 |
Net interest margin | 4.5857% | 514 |
Noninterest income to average assets | 0.2300% | 3,568 |
Noninterest expense to average assets | 2.7476% | 1,554 |
Loan and lease loss provision to assets | 0.3400% | 246 |
Net operating income to assets | 1.1492% | 2,071 |
Return on assets (ROA) | 1.1492% | 2,041 |
Pretax return on assets | 1.4129% | 1,859 |
Return on Equity (ROE) | 8.9000% | 3,075 |
Retained earnings to average equity (ytd only) | 8.9021% | 1,977 |
Net charge-offs to loans | 0.2179% | 335 |
Credit loss provision to net charge-offs | 256.0976% | 740 |
Earnings coverage of net charge-offs (x) | 13.1463% | 1,594 |
Efficiency ratio | 61.0268% | 2,819 |
Assets per employee ($millions) | 4.4123% | 4,069 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5515% | 1,116 |
Loan loss allowance to noncurrent loans | 29.8285% | 3,803 |
Noncurrent assets plus other real estate owned to assets | 3.2102% | 46 |
Noncurrent loans to loans | 5.2013% | 52 |
Net loans and leases to total assets | 60.7600% | 2,576 |
Net loans and leases to deposits | 70.0899% | 2,601 |
Net loans and leases to core deposits | 72.8530% | 2,756 |
Total domestic deposits to total assets | 86.6900% | 2,373 |
Equity capital to assets | 13.1499% | 728 |
Core capital (leverage) ratio | 14.7920% | 611 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $122,869,000 | 3,696 |
Average earning assets | $114,442,000 | 3,673 |
Average equity | $15,861,500 | 3,226 |
Average total loans | $75,276,500 | 3,524 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5107% | 705 |
Cost of funding earning assets | 0.1057% | 4,369 |
Net interest margin | 4.4050% | 348 |
Noninterest income to average assets | 0.2300% | 3,761 |
Noninterest expense to average assets | 2.5091% | 2,086 |
Loan and lease loss provision to assets | 0.3200% | 245 |
Net operating income to assets | 1.2100% | 1,736 |
Return on assets (ROA) | 1.2100% | 1,681 |
Pretax return on assets | 1.4964% | 1,463 |
Return on Equity (ROE) | 9.0400% | 3,123 |
Retained earnings to average equity (ytd only) | 4.5004% | 3,235 |
Net charge-offs to loans | 0.8864% | 73 |
Credit loss provision to net charge-offs | 60.2782% | 1,775 |
Earnings coverage of net charge-offs (x) | 3.3802% | 2,467 |
Efficiency ratio | 57.9423% | 3,348 |
Assets per employee ($millions) | 4.3640% | 4,105 |
Cash dividends to net income (ytd only)* | 50.2409% | 1,379 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5060% | 1,182 |
Loan loss allowance to noncurrent loans | 28.6116% | 3,819 |
Noncurrent assets plus other real estate owned to assets | 3.2007% | 40 |
Noncurrent loans to loans | 5.2636% | 47 |
Net loans and leases to total assets | 59.8900% | 2,638 |
Net loans and leases to deposits | 68.7000% | 2,688 |
Net loans and leases to core deposits | 69.3911% | 2,920 |
Total domestic deposits to total assets | 87.1800% | 2,334 |
Equity capital to assets | 12.6660% | 772 |
Core capital (leverage) ratio | 14.3384% | 675 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $120,084,200 | 3,728 |
Average earning assets | $111,667,600 | 3,705 |
Average equity | $16,065,400 | 3,268 |
Average total loans | $72,988,000 | 3,522 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4235% | 554 |
Cost of funding earning assets | 0.1081% | 4,215 |
Net interest margin | 4.3154% | 328 |
Noninterest income to average assets | 0.2300% | 3,794 |
Noninterest expense to average assets | 2.5282% | 1,930 |
Loan and lease loss provision to assets | 0.3300% | 200 |
Net operating income to assets | 1.1241% | 1,988 |
Return on assets (ROA) | 1.1241% | 1,957 |
Pretax return on assets | 1.3873% | 1,754 |
Return on Equity (ROE) | 8.2900% | 3,241 |
Retained earnings to average equity (ytd only) | 6.0281% | 2,745 |
Net charge-offs to loans | 0.6588% | 90 |
Credit loss provision to net charge-offs | 81.6156% | 1,417 |
Earnings coverage of net charge-offs (x) | 4.2813% | 2,180 |
Efficiency ratio | 59.5952% | 3,165 |
Assets per employee ($millions) | 4.4929% | 4,059 |
Cash dividends to net income (ytd only)* | 27.2817% | 2,148 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8031% | 721 |
Loan loss allowance to noncurrent loans | 41.0401% | 3,841 |
Noncurrent assets plus other real estate owned to assets | 2.6313% | 74 |
Noncurrent loans to loans | 4.3935% | 77 |
Net loans and leases to total assets | 58.8100% | 2,616 |
Net loans and leases to deposits | 67.5667% | 2,572 |
Net loans and leases to core deposits | 68.2506% | 2,783 |
Total domestic deposits to total assets | 87.0400% | 2,744 |
Equity capital to assets | 12.8012% | 712 |
Core capital (leverage) ratio | 14.6258% | 593 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $119,557,000 | 3,757 |
Average earning assets | $111,041,750 | 3,740 |
Average equity | $16,212,500 | 3,293 |
Average total loans | $72,659,250 | 3,540 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3975% | 440 |
Cost of funding earning assets | 0.1122% | 4,055 |
Net interest margin | 4.2852% | 282 |
Noninterest income to average assets | 0.2320% | 3,792 |
Noninterest expense to average assets | 2.5787% | 1,699 |
Loan and lease loss provision to assets | 0.3278% | 194 |
Net operating income to assets | 1.0591% | 1,940 |
Return on assets (ROA) | 1.0591% | 1,908 |
Pretax return on assets | 1.3045% | 1,735 |
Return on Equity (ROE) | 7.6641% | 3,112 |
Retained earnings to average equity (ytd only) | 4.3186% | 2,967 |
Net charge-offs to loans | 0.5835% | 113 |
Credit loss provision to net charge-offs | 91.9811% | 1,332 |
Earnings coverage of net charge-offs (x) | 4.5802% | 1,949 |
Efficiency ratio | 61.2375% | 3,146 |
Assets per employee ($millions) | 4.4311% | 4,133 |
Cash dividends to net income (ytd only)* | 43.6508% | 1,584 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8713% | 708 |
Loan loss allowance to noncurrent loans | 48.7621% | 3,810 |
Noncurrent assets plus other real estate owned to assets | 2.3295% | 97 |
Noncurrent loans to loans | 3.8376% | 98 |
Net loans and leases to total assets | 59.5654% | 2,369 |
Net loans and leases to deposits | 68.6240% | 2,331 |
Net loans and leases to core deposits | 69.6366% | 2,511 |
Total domestic deposits to total assets | 86.7996% | 3,008 |
Equity capital to assets | 13.0684% | 653 |
Core capital (leverage) ratio | 14.5280% | 535 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $118,973,000 | 3,809 |
Average earning assets | $110,472,333 | 3,801 |
Average equity | $16,440,333 | 3,364 |
Average total loans | $72,661,333 | 3,577 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3825% | 392 |
Cost of funding earning assets | 0.1121% | 3,979 |
Net interest margin | 4.2704% | 254 |
Noninterest income to average assets | 0.2259% | 3,804 |
Noninterest expense to average assets | 2.4478% | 2,024 |
Loan and lease loss provision to assets | 0.3304% | 179 |
Net operating income to assets | 1.1564% | 1,362 |
Return on assets (ROA) | 1.1564% | 1,361 |
Pretax return on assets | 1.4295% | 1,182 |
Return on Equity (ROE) | 8.1458% | 2,628 |
Retained earnings to average equity (ytd only) | 8.1458% | 1,533 |
Net charge-offs to loans | -0.0770% | 4,390 |
Credit loss provision to net charge-offs | -700.0000% | 3,200 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.1731% | 3,663 |
Assets per employee ($millions) | 4.3914% | 4,204 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0364% | 583 |
Loan loss allowance to noncurrent loans | 60.5617% | 3,754 |
Noncurrent assets plus other real estate owned to assets | 2.0722% | 132 |
Noncurrent loans to loans | 3.3625% | 140 |
Net loans and leases to total assets | 60.3726% | 2,024 |
Net loans and leases to deposits | 70.1557% | 1,955 |
Net loans and leases to core deposits | 71.2089% | 2,178 |
Total domestic deposits to total assets | 86.0551% | 3,242 |
Equity capital to assets | 13.7947% | 557 |
Core capital (leverage) ratio | 14.5810% | 494 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $118,639,500 | 3,832 |
Average earning assets | $110,621,500 | 3,811 |
Average equity | $16,843,000 | 3,411 |
Average total loans | $72,680,500 | 3,575 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6284% | 473 |
Cost of funding earning assets | 0.1347% | 4,120 |
Net interest margin | 4.4936% | 276 |
Noninterest income to average assets | 0.2132% | 4,094 |
Noninterest expense to average assets | 2.7175% | 1,586 |
Loan and lease loss provision to assets | 0.2750% | 312 |
Net operating income to assets | 1.1549% | 2,086 |
Return on assets (ROA) | 1.1659% | 2,099 |
Pretax return on assets | 1.4391% | 1,918 |
Return on Equity (ROE) | 7.9184% | 3,244 |
Retained earnings to average equity (ytd only) | 3.7236% | 3,331 |
Net charge-offs to loans | -0.0095% | 3,726 |
Credit loss provision to net charge-offs | -4,642.8571% | 4,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.5090% | 2,936 |
Assets per employee ($millions) | 4.0935% | 4,388 |
Cash dividends to net income (ytd only)* | 52.9753% | 1,369 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9034% | 724 |
Loan loss allowance to noncurrent loans | 58.9799% | 3,814 |
Noncurrent assets plus other real estate owned to assets | 1.9653% | 161 |
Noncurrent loans to loans | 3.2272% | 169 |
Net loans and leases to total assets | 59.7370% | 2,183 |
Net loans and leases to deposits | 70.0222% | 2,132 |
Net loans and leases to core deposits | 71.1048% | 2,345 |
Total domestic deposits to total assets | 85.3115% | 3,168 |
Equity capital to assets | 14.5984% | 558 |
Core capital (leverage) ratio | 14.3404% | 567 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $118,195,000 | 3,820 |
Average earning assets | $110,600,600 | 3,807 |
Average equity | $17,402,400 | 3,434 |
Average total loans | $73,701,400 | 3,591 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6825% | 497 |
Cost of funding earning assets | 0.1388% | 4,200 |
Net interest margin | 4.5438% | 291 |
Noninterest income to average assets | 0.2146% | 4,113 |
Noninterest expense to average assets | 2.7182% | 1,540 |
Loan and lease loss provision to assets | 0.3312% | 228 |
Net operating income to assets | 1.1507% | 2,362 |
Return on assets (ROA) | 1.1507% | 2,425 |
Pretax return on assets | 1.4184% | 2,258 |
Return on Equity (ROE) | 7.7990% | 3,459 |
Retained earnings to average equity (ytd only) | 5.6943% | 2,958 |
Net charge-offs to loans | -0.0324% | 4,164 |
Credit loss provision to net charge-offs | -1,627.7778% | 3,953 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.8443% | 2,853 |
Assets per employee ($millions) | 3.9877% | 4,459 |
Cash dividends to net income (ytd only)* | 26.9872% | 2,225 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8651% | 817 |
Loan loss allowance to noncurrent loans | 61.8547% | 3,825 |
Noncurrent assets plus other real estate owned to assets | 1.8298% | 225 |
Noncurrent loans to loans | 3.0153% | 219 |
Net loans and leases to total assets | 59.5520% | 2,317 |
Net loans and leases to deposits | 70.0346% | 2,242 |
Net loans and leases to core deposits | 71.1104% | 2,504 |
Total domestic deposits to total assets | 85.0322% | 3,104 |
Equity capital to assets | 14.8040% | 573 |
Core capital (leverage) ratio | 14.4650% | 564 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $118,065,750 | 3,869 |
Average earning assets | $110,507,000 | 3,849 |
Average equity | $17,420,500 | 3,479 |
Average total loans | $74,054,000 | 3,629 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6997% | 533 |
Cost of funding earning assets | 0.1490% | 4,214 |
Net interest margin | 4.5507% | 326 |
Noninterest income to average assets | 0.2110% | 4,142 |
Noninterest expense to average assets | 2.7309% | 1,505 |
Loan and lease loss provision to assets | 0.3318% | 237 |
Net operating income to assets | 1.1417% | 2,399 |
Return on assets (ROA) | 1.1417% | 2,456 |
Pretax return on assets | 1.4088% | 2,306 |
Return on Equity (ROE) | 7.7465% | 3,475 |
Retained earnings to average equity (ytd only) | 4.5717% | 3,336 |
Net charge-offs to loans | -0.0912% | 4,598 |
Credit loss provision to net charge-offs | -573.5294% | 3,511 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.0731% | 2,862 |
Assets per employee ($millions) | 4.0024% | 4,445 |
Cash dividends to net income (ytd only)* | 40.9836% | 1,567 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7381% | 991 |
Loan loss allowance to noncurrent loans | 51.6430% | 3,934 |
Noncurrent assets plus other real estate owned to assets | 2.0529% | 205 |
Noncurrent loans to loans | 3.3656% | 194 |
Net loans and leases to total assets | 59.9382% | 2,435 |
Net loans and leases to deposits | 70.2370% | 2,380 |
Net loans and leases to core deposits | 71.3009% | 2,661 |
Total domestic deposits to total assets | 85.3371% | 2,970 |
Equity capital to assets | 14.4888% | 619 |
Core capital (leverage) ratio | 14.1473% | 604 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $117,544,333 | 3,887 |
Average earning assets | $110,049,667 | 3,873 |
Average equity | $17,324,000 | 3,483 |
Average total loans | $74,540,000 | 3,641 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7810% | 499 |
Cost of funding earning assets | 0.1656% | 4,193 |
Net interest margin | 4.6154% | 308 |
Noninterest income to average assets | 0.2030% | 4,171 |
Noninterest expense to average assets | 2.8276% | 1,314 |
Loan and lease loss provision to assets | 0.3371% | 251 |
Net operating income to assets | 1.0973% | 2,488 |
Return on assets (ROA) | 1.0973% | 2,561 |
Pretax return on assets | 1.3519% | 2,425 |
Return on Equity (ROE) | 7.3811% | 3,503 |
Retained earnings to average equity (ytd only) | 7.3811% | 2,456 |
Net charge-offs to loans | -0.0532% | 4,419 |
Credit loss provision to net charge-offs | -980.0000% | 3,359 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.6047% | 2,656 |
Assets per employee ($millions) | 4.2311% | 4,326 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5411% | 1,455 |
Loan loss allowance to noncurrent loans | 50.0652% | 3,985 |
Noncurrent assets plus other real estate owned to assets | 1.9422% | 268 |
Noncurrent loans to loans | 3.0783% | 248 |
Net loans and leases to total assets | 62.1232% | 2,275 |
Net loans and leases to deposits | 72.8570% | 2,227 |
Net loans and leases to core deposits | 73.9760% | 2,515 |
Total domestic deposits to total assets | 85.2673% | 3,007 |
Equity capital to assets | 14.5715% | 559 |
Core capital (leverage) ratio | 14.7182% | 524 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $116,280,500 | 3,900 |
Average earning assets | $108,680,000 | 3,886 |
Average equity | $17,287,500 | 3,489 |
Average total loans | $75,189,000 | 3,651 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0646% | 435 |
Cost of funding earning assets | 0.3308% | 3,973 |
Net interest margin | 4.7338% | 200 |
Noninterest income to average assets | 0.2299% | 4,123 |
Noninterest expense to average assets | 2.9287% | 1,604 |
Loan and lease loss provision to assets | 0.3551% | 968 |
Net operating income to assets | 1.1132% | 1,871 |
Return on assets (ROA) | 1.1168% | 1,971 |
Pretax return on assets | 1.3716% | 1,749 |
Return on Equity (ROE) | 7.4763% | 3,009 |
Retained earnings to average equity (ytd only) | 3.1379% | 3,268 |
Net charge-offs to loans | 0.3992% | 432 |
Credit loss provision to net charge-offs | 130.2932% | 2,552 |
Earnings coverage of net charge-offs (x) | 6.3192% | 2,792 |
Efficiency ratio | 62.9700% | 2,982 |
Assets per employee ($millions) | 3.8030% | 4,507 |
Cash dividends to net income (ytd only)* | 58.0286% | 1,447 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3804% | 2,053 |
Loan loss allowance to noncurrent loans | 41.2322% | 4,141 |
Noncurrent assets plus other real estate owned to assets | 2.2193% | 235 |
Noncurrent loans to loans | 3.3480% | 225 |
Net loans and leases to total assets | 65.3730% | 2,174 |
Net loans and leases to deposits | 77.3300% | 2,143 |
Net loans and leases to core deposits | 78.1795% | 2,535 |
Total domestic deposits to total assets | 84.5376% | 2,935 |
Equity capital to assets | 15.1740% | 543 |
Core capital (leverage) ratio | 14.6425% | 563 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $112,642,200 | 3,845 |
Average earning assets | $105,201,200 | 3,834 |
Average equity | $16,826,600 | 3,467 |
Average total loans | $76,901,000 | 3,612 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0874% | 515 |
Cost of funding earning assets | 0.3638% | 3,982 |
Net interest margin | 4.7235% | 243 |
Noninterest income to average assets | 0.2292% | 4,121 |
Noninterest expense to average assets | 3.0031% | 1,440 |
Loan and lease loss provision to assets | 0.3500% | 1,081 |
Net operating income to assets | 1.0472% | 2,157 |
Return on assets (ROA) | 1.0521% | 2,269 |
Pretax return on assets | 1.2908% | 2,092 |
Return on Equity (ROE) | 7.0715% | 3,164 |
Retained earnings to average equity (ytd only) | 4.8766% | 2,619 |
Net charge-offs to loans | 0.1191% | 1,172 |
Credit loss provision to net charge-offs | 427.5362% | 1,411 |
Earnings coverage of net charge-offs (x) | 19.9565% | 1,921 |
Efficiency ratio | 64.7465% | 2,633 |
Assets per employee ($millions) | 3.7248% | 4,543 |
Cash dividends to net income (ytd only)* | 31.0384% | 2,318 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5353% | 1,282 |
Loan loss allowance to noncurrent loans | 44.7699% | 4,108 |
Noncurrent assets plus other real estate owned to assets | 2.4082% | 228 |
Noncurrent loans to loans | 3.4294% | 242 |
Net loans and leases to total assets | 67.5514% | 2,307 |
Net loans and leases to deposits | 80.3560% | 2,281 |
Net loans and leases to core deposits | 81.9525% | 2,667 |
Total domestic deposits to total assets | 84.0652% | 2,796 |
Equity capital to assets | 15.5947% | 528 |
Core capital (leverage) ratio | 14.8772% | 565 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $112,280,250 | 3,846 |
Average earning assets | $104,805,750 | 3,838 |
Average equity | $16,705,250 | 3,479 |
Average total loans | $77,219,250 | 3,623 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1165% | 672 |
Cost of funding earning assets | 0.3962% | 4,049 |
Net interest margin | 4.7203% | 324 |
Noninterest income to average assets | 0.2330% | 4,085 |
Noninterest expense to average assets | 2.9913% | 1,590 |
Loan and lease loss provision to assets | 0.3379% | 1,266 |
Net operating income to assets | 1.0687% | 2,078 |
Return on assets (ROA) | 1.0759% | 2,181 |
Pretax return on assets | 1.3196% | 1,967 |
Return on Equity (ROE) | 7.3489% | 2,987 |
Retained earnings to average equity (ytd only) | 4.0085% | 2,899 |
Net charge-offs to loans | 0.1318% | 1,057 |
Credit loss provision to net charge-offs | 372.5490% | 1,468 |
Earnings coverage of net charge-offs (x) | 18.1765% | 1,777 |
Efficiency ratio | 64.4691% | 2,755 |
Assets per employee ($millions) | 3.7656% | 4,498 |
Cash dividends to net income (ytd only)* | 45.4545% | 1,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3841% | 1,640 |
Loan loss allowance to noncurrent loans | 41.4606% | 4,206 |
Noncurrent assets plus other real estate owned to assets | 2.3821% | 248 |
Noncurrent loans to loans | 3.3384% | 255 |
Net loans and leases to total assets | 68.7451% | 2,224 |
Net loans and leases to deposits | 81.1274% | 2,299 |
Net loans and leases to core deposits | 82.9754% | 2,694 |
Total domestic deposits to total assets | 84.7373% | 2,493 |
Equity capital to assets | 14.9803% | 622 |
Core capital (leverage) ratio | 14.1914% | 712 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $112,459,333 | 3,828 |
Average earning assets | $104,994,333 | 3,824 |
Average equity | $16,465,000 | 3,511 |
Average total loans | $77,405,333 | 3,623 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0836% | 824 |
Cost of funding earning assets | 0.4271% | 4,246 |
Net interest margin | 4.6565% | 372 |
Noninterest income to average assets | 0.2602% | 3,985 |
Noninterest expense to average assets | 3.1585% | 1,513 |
Loan and lease loss provision to assets | 0.3208% | 967 |
Net operating income to assets | 0.9259% | 2,432 |
Return on assets (ROA) | 0.9376% | 2,495 |
Pretax return on assets | 1.1479% | 2,366 |
Return on Equity (ROE) | 6.4794% | 3,138 |
Retained earnings to average equity (ytd only) | 6.4794% | 1,717 |
Net charge-offs to loans | 0.0730% | 1,295 |
Credit loss provision to net charge-offs | 642.8571% | 756 |
Earnings coverage of net charge-offs (x) | 29.1429% | 1,200 |
Efficiency ratio | 68.4699% | 2,589 |
Assets per employee ($millions) | 3.7498% | 4,226 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3416% | 1,944 |
Loan loss allowance to noncurrent loans | 34.9915% | 4,324 |
Noncurrent assets plus other real estate owned to assets | 2.6641% | 249 |
Noncurrent loans to loans | 3.8341% | 213 |
Net loans and leases to total assets | 67.1337% | 2,688 |
Net loans and leases to deposits | 78.7409% | 2,806 |
Net loans and leases to core deposits | 83.0168% | 2,933 |
Total domestic deposits to total assets | 85.2589% | 2,307 |
Equity capital to assets | 14.5340% | 884 |
Core capital (leverage) ratio | 14.6100% | 765 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $112,205,000 | 3,812 |
Average earning assets | $104,885,500 | 3,804 |
Average equity | $16,236,000 | 3,539 |
Average total loans | $76,733,000 | 3,632 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3476% | 752 |
Cost of funding earning assets | 0.3971% | 4,449 |
Net interest margin | 4.9505% | 294 |
Noninterest income to average assets | 0.2531% | 4,162 |
Noninterest expense to average assets | 3.1316% | 1,683 |
Loan and lease loss provision to assets | 0.3141% | 514 |
Net operating income to assets | 1.1561% | 2,231 |
Return on assets (ROA) | 1.1561% | 2,326 |
Pretax return on assets | 1.4173% | 2,094 |
Return on Equity (ROE) | 8.1334% | 3,107 |
Retained earnings to average equity (ytd only) | 3.5236% | 3,242 |
Net charge-offs to loans | 0.2098% | 979 |
Credit loss provision to net charge-offs | 212.1212% | 1,253 |
Earnings coverage of net charge-offs (x) | 11.6909% | 2,473 |
Efficiency ratio | 64.3965% | 3,020 |
Assets per employee ($millions) | 3.6102% | 4,360 |
Cash dividends to net income (ytd only)* | 56.6770% | 1,724 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2364% | 2,251 |
Loan loss allowance to noncurrent loans | 39.3626% | 4,280 |
Noncurrent assets plus other real estate owned to assets | 2.4420% | 268 |
Noncurrent loans to loans | 3.1410% | 284 |
Net loans and leases to total assets | 67.8783% | 2,695 |
Net loans and leases to deposits | 79.5064% | 2,837 |
Net loans and leases to core deposits | 83.5700% | 2,995 |
Total domestic deposits to total assets | 85.3746% | 2,356 |
Equity capital to assets | 14.4056% | 964 |
Core capital (leverage) ratio | 14.2945% | 850 |
Tier 1 risk-based capital ratio | 24.9126% | 757 |
Total risk-based capital ratio | 26.1653% | 742 |
Memoranda: | ||
Average total assets | $111,412,400 | 3,814 |
Average earning assets | $103,746,800 | 3,805 |
Average equity | $15,836,000 | 3,560 |
Average total loans | $78,645,400 | 3,625 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3197% | 830 |
Cost of funding earning assets | 0.3834% | 4,553 |
Net interest margin | 4.9363% | 326 |
Noninterest income to average assets | 0.2720% | 4,111 |
Noninterest expense to average assets | 3.1162% | 1,679 |
Loan and lease loss provision to assets | 0.3774% | 346 |
Net operating income to assets | 1.1260% | 2,469 |
Return on assets (ROA) | 1.1250% | 2,563 |
Pretax return on assets | 1.3742% | 2,407 |
Return on Equity (ROE) | 7.9417% | 3,338 |
Retained earnings to average equity (ytd only) | 5.6158% | 2,560 |
Net charge-offs to loans | 0.2006% | 868 |
Credit loss provision to net charge-offs | 264.7059% | 1,043 |
Earnings coverage of net charge-offs (x) | 12.2943% | 2,368 |
Efficiency ratio | 64.0010% | 3,006 |
Assets per employee ($millions) | 3.6108% | 4,378 |
Cash dividends to net income (ytd only)* | 29.2866% | 2,645 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2529% | 2,222 |
Loan loss allowance to noncurrent loans | 39.5722% | 4,354 |
Noncurrent assets plus other real estate owned to assets | 2.7570% | 218 |
Noncurrent loans to loans | 3.1661% | 295 |
Net loans and leases to total assets | 67.7355% | 2,827 |
Net loans and leases to deposits | 79.4882% | 2,955 |
Net loans and leases to core deposits | 83.5517% | 3,134 |
Total domestic deposits to total assets | 85.2145% | 2,339 |
Equity capital to assets | 14.5434% | 968 |
Core capital (leverage) ratio | 14.5104% | 856 |
Tier 1 risk-based capital ratio | 25.1426% | 762 |
Total risk-based capital ratio | 26.3954% | 749 |
Memoranda: | ||
Average total assets | $111,286,750 | 3,858 |
Average earning assets | $103,636,750 | 3,854 |
Average equity | $15,764,500 | 3,600 |
Average total loans | $79,077,500 | 3,656 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3087% | 804 |
Cost of funding earning assets | 0.3609% | 4,649 |
Net interest margin | 4.9478% | 320 |
Noninterest income to average assets | 0.2971% | 3,952 |
Noninterest expense to average assets | 3.1763% | 1,558 |
Loan and lease loss provision to assets | 0.3781% | 329 |
Net operating income to assets | 1.1125% | 2,475 |
Return on assets (ROA) | 1.1110% | 2,555 |
Pretax return on assets | 1.3577% | 2,357 |
Return on Equity (ROE) | 7.9138% | 3,323 |
Retained earnings to average equity (ytd only) | 4.3866% | 3,074 |
Net charge-offs to loans | 0.3081% | 557 |
Credit loss provision to net charge-offs | 170.7317% | 1,360 |
Earnings coverage of net charge-offs (x) | 7.8455% | 2,456 |
Efficiency ratio | 64.6391% | 3,028 |
Assets per employee ($millions) | 3.4443% | 4,562 |
Cash dividends to net income (ytd only)* | 44.5705% | 2,026 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0779% | 3,195 |
Loan loss allowance to noncurrent loans | 34.3260% | 4,487 |
Noncurrent assets plus other real estate owned to assets | 2.7283% | 248 |
Noncurrent loans to loans | 3.1403% | 312 |
Net loans and leases to total assets | 71.0226% | 2,378 |
Net loans and leases to deposits | 83.1915% | 2,580 |
Net loans and leases to core deposits | 87.4743% | 2,850 |
Total domestic deposits to total assets | 85.3725% | 2,320 |
Equity capital to assets | 14.4152% | 976 |
Core capital (leverage) ratio | 14.1851% | 909 |
Tier 1 risk-based capital ratio | 23.8446% | 862 |
Total risk-based capital ratio | 25.0946% | 844 |
Memoranda: | ||
Average total assets | $111,071,000 | 3,884 |
Average earning assets | $103,641,330 | 3,876 |
Average equity | $15,593,000 | 3,624 |
Average total loans | $79,843,000 | 3,663 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3161% | 733 |
Cost of funding earning assets | 0.3222% | 4,770 |
Net interest margin | 4.9939% | 282 |
Noninterest income to average assets | 0.2440% | 4,260 |
Noninterest expense to average assets | 3.2467% | 1,392 |
Loan and lease loss provision to assets | 0.3767% | 308 |
Net operating income to assets | 1.0583% | 2,630 |
Return on assets (ROA) | 1.0583% | 2,672 |
Pretax return on assets | 1.2915% | 2,490 |
Return on Equity (ROE) | 7.6398% | 3,407 |
Retained earnings to average equity (ytd only) | 7.6398% | 1,793 |
Net charge-offs to loans | 0.1297% | 964 |
Credit loss provision to net charge-offs | 403.8462% | 689 |
Earnings coverage of net charge-offs (x) | 17.8846% | 1,645 |
Efficiency ratio | 66.0584% | 2,935 |
Assets per employee ($millions) | 3.6105% | 4,454 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0676% | 3,316 |
Loan loss allowance to noncurrent loans | 33.6519% | 4,569 |
Noncurrent assets plus other real estate owned to assets | 2.7483% | 249 |
Noncurrent loans to loans | 3.1725% | 323 |
Net loans and leases to total assets | 69.9620% | 2,491 |
Net loans and leases to deposits | 81.4608% | 2,672 |
Net loans and leases to core deposits | 85.5418% | 2,906 |
Total domestic deposits to total assets | 85.8843% | 2,329 |
Equity capital to assets | 13.9835% | 1,042 |
Core capital (leverage) ratio | 14.2462% | 881 |
Tier 1 risk-based capital ratio | 23.4851% | 891 |
Total risk-based capital ratio | 24.7349% | 863 |
Memoranda: | ||
Average total assets | $111,498,000 | 3,911 |
Average earning assets | $104,287,500 | 3,909 |
Average equity | $15,445,500 | 3,650 |
Average total loans | $80,198,500 | 3,690 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1390% | 786 |
Cost of funding earning assets | 0.2727% | 4,693 |
Net interest margin | 4.8663% | 343 |
Noninterest income to average assets | 0.2340% | 4,512 |
Noninterest expense to average assets | 3.0611% | 1,893 |
Loan and lease loss provision to assets | 0.2680% | 629 |
Net operating income to assets | 1.2080% | 2,129 |
Return on assets (ROA) | 1.2094% | 2,119 |
Pretax return on assets | 1.4810% | 1,841 |
Return on Equity (ROE) | 9.0273% | 2,981 |
Retained earnings to average equity (ytd only) | 4.1603% | 3,270 |
Net charge-offs to loans | 0.5382% | 332 |
Credit loss provision to net charge-offs | 68.4932% | 3,011 |
Earnings coverage of net charge-offs (x) | 4.4658% | 3,294 |
Efficiency ratio | 63.6634% | 3,229 |
Assets per employee ($millions) | 3.2668% | 4,769 |
Cash dividends to net income (ytd only)* | 53.9143% | 1,773 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9428% | 3,982 |
Loan loss allowance to noncurrent loans | 22.7098% | 4,723 |
Noncurrent assets plus other real estate owned to assets | 3.1899% | 181 |
Noncurrent loans to loans | 4.1515% | 175 |
Net loans and leases to total assets | 72.4591% | 2,182 |
Net loans and leases to deposits | 84.1218% | 2,497 |
Net loans and leases to core deposits | 88.3368% | 2,727 |
Total domestic deposits to total assets | 86.1359% | 2,163 |
Equity capital to assets | 13.7210% | 1,058 |
Core capital (leverage) ratio | 13.7241% | 1,001 |
Tier 1 risk-based capital ratio | 22.3360% | 988 |
Total risk-based capital ratio | 23.4419% | 983 |
Memoranda: | ||
Average total assets | $111,954,800 | 3,912 |
Average earning assets | $105,234,600 | 3,894 |
Average equity | $14,999,000 | 3,642 |
Average total loans | $81,378,800 | 3,641 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1249% | 722 |
Cost of funding earning assets | 0.2680% | 4,687 |
Net interest margin | 4.8569% | 336 |
Noninterest income to average assets | 0.2353% | 4,565 |
Noninterest expense to average assets | 3.0356% | 1,916 |
Loan and lease loss provision to assets | 0.2674% | 572 |
Net operating income to assets | 1.2282% | 2,129 |
Return on assets (ROA) | 1.2302% | 2,123 |
Pretax return on assets | 1.5012% | 1,891 |
Return on Equity (ROE) | 9.2375% | 2,980 |
Retained earnings to average equity (ytd only) | 6.7831% | 2,246 |
Net charge-offs to loans | 0.2604% | 640 |
Credit loss provision to net charge-offs | 141.5094% | 1,786 |
Earnings coverage of net charge-offs (x) | 9.3461% | 2,647 |
Efficiency ratio | 63.2178% | 3,299 |
Assets per employee ($millions) | 3.4911% | 4,571 |
Cash dividends to net income (ytd only)* | 26.5701% | 2,722 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1968% | 2,641 |
Loan loss allowance to noncurrent loans | 34.6429% | 4,669 |
Noncurrent assets plus other real estate owned to assets | 2.6585% | 310 |
Noncurrent loans to loans | 3.4546% | 281 |
Net loans and leases to total assets | 71.6827% | 2,377 |
Net loans and leases to deposits | 83.1768% | 2,687 |
Net loans and leases to core deposits | 87.3093% | 2,890 |
Total domestic deposits to total assets | 86.1810% | 2,107 |
Equity capital to assets | 13.6507% | 1,072 |
Core capital (leverage) ratio | 13.9889% | 939 |
Tier 1 risk-based capital ratio | 22.6008% | 983 |
Total risk-based capital ratio | 23.8535% | 958 |
Memoranda: | ||
Average total assets | $112,175,750 | 3,951 |
Average earning assets | $105,469,000 | 3,928 |
Average equity | $14,938,750 | 3,673 |
Average total loans | $81,411,750 | 3,664 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1199% | 640 |
Cost of funding earning assets | 0.2563% | 4,718 |
Net interest margin | 4.8636% | 326 |
Noninterest income to average assets | 0.2065% | 4,776 |
Noninterest expense to average assets | 3.0927% | 1,809 |
Loan and lease loss provision to assets | 0.2671% | 571 |
Net operating income to assets | 1.1544% | 2,377 |
Return on assets (ROA) | 1.1573% | 2,362 |
Pretax return on assets | 1.4119% | 2,102 |
Return on Equity (ROE) | 8.7631% | 3,139 |
Retained earnings to average equity (ytd only) | 5.0556% | 3,048 |
Net charge-offs to loans | 0.3066% | 522 |
Credit loss provision to net charge-offs | 120.0000% | 1,797 |
Earnings coverage of net charge-offs (x) | 7.5280% | 2,537 |
Efficiency ratio | 64.8618% | 3,181 |
Assets per employee ($millions) | 3.5054% | 4,589 |
Cash dividends to net income (ytd only)* | 42.3077% | 2,017 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1515% | 2,972 |
Loan loss allowance to noncurrent loans | 32.9083% | 4,713 |
Noncurrent assets plus other real estate owned to assets | 2.6878% | 306 |
Noncurrent loans to loans | 3.4991% | 277 |
Net loans and leases to total assets | 71.0940% | 2,425 |
Net loans and leases to deposits | 82.1486% | 2,754 |
Net loans and leases to core deposits | 86.1723% | 2,907 |
Total domestic deposits to total assets | 86.5432% | 2,039 |
Equity capital to assets | 13.2972% | 1,183 |
Core capital (leverage) ratio | 13.5567% | 1,050 |
Tier 1 risk-based capital ratio | 21.9438% | 1,040 |
Total risk-based capital ratio | 23.1951% | 1,023 |
Memoranda: | ||
Average total assets | $112,329,000 | 3,980 |
Average earning assets | $105,353,670 | 3,960 |
Average equity | $14,835,000 | 3,701 |
Average total loans | $81,532,000 | 3,686 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1996% | 490 |
Cost of funding earning assets | 0.2503% | 4,707 |
Net interest margin | 4.9493% | 248 |
Noninterest income to average assets | 0.1815% | 4,941 |
Noninterest expense to average assets | 2.9785% | 2,118 |
Loan and lease loss provision to assets | 0.2669% | 521 |
Net operating income to assets | 1.2895% | 1,678 |
Return on assets (ROA) | 1.2953% | 1,661 |
Pretax return on assets | 1.5871% | 1,424 |
Return on Equity (ROE) | 9.8415% | 2,515 |
Retained earnings to average equity (ytd only) | 9.8415% | 1,211 |
Net charge-offs to loans | 0.6589% | 229 |
Credit loss provision to net charge-offs | 55.5556% | 1,906 |
Earnings coverage of net charge-offs (x) | 3.8444% | 2,353 |
Efficiency ratio | 61.7257% | 3,837 |
Assets per employee ($millions) | 3.4040% | 4,788 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0318% | 3,769 |
Loan loss allowance to noncurrent loans | 33.1110% | 4,751 |
Noncurrent assets plus other real estate owned to assets | 2.4401% | 390 |
Noncurrent loans to loans | 3.1163% | 372 |
Net loans and leases to total assets | 72.0652% | 2,159 |
Net loans and leases to deposits | 83.2559% | 2,476 |
Net loans and leases to core deposits | 87.5575% | 2,673 |
Total domestic deposits to total assets | 86.5587% | 2,288 |
Equity capital to assets | 13.2802% | 1,124 |
Core capital (leverage) ratio | 13.5806% | 986 |
Tier 1 risk-based capital ratio | 21.6202% | 1,109 |
Total risk-based capital ratio | 22.8198% | 1,087 |
Memoranda: | ||
Average total assets | $112,406,500 | 4,023 |
Average earning assets | $105,470,000 | 3,999 |
Average equity | $14,794,500 | 3,739 |
Average total loans | $81,959,000 | 3,713 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2549% | 398 |
Cost of funding earning assets | 0.2565% | 4,510 |
Net interest margin | 4.9984% | 239 |
Noninterest income to average assets | 0.1912% | 4,998 |
Noninterest expense to average assets | 3.0005% | 2,167 |
Loan and lease loss provision to assets | 0.3142% | 539 |
Net operating income to assets | 1.1065% | 1,838 |
Return on assets (ROA) | 1.1052% | 1,862 |
Pretax return on assets | 1.5469% | 1,463 |
Return on Equity (ROE) | 8.4272% | 2,591 |
Retained earnings to average equity (ytd only) | 3.7173% | 3,000 |
Net charge-offs to loans | 0.3313% | 765 |
Credit loss provision to net charge-offs | 129.6296% | 2,025 |
Earnings coverage of net charge-offs (x) | 7.6852% | 3,013 |
Efficiency ratio | 61.6947% | 3,985 |
Assets per employee ($millions) | 3.4085% | 4,818 |
Cash dividends to net income (ytd only)* | 55.8895% | 1,970 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0996% | 3,360 |
Loan loss allowance to noncurrent loans | 40.1512% | 4,686 |
Noncurrent assets plus other real estate owned to assets | 2.1657% | 494 |
Noncurrent loans to loans | 2.7386% | 446 |
Net loans and leases to total assets | 72.2066% | 2,198 |
Net loans and leases to deposits | 83.1674% | 2,587 |
Net loans and leases to core deposits | 87.1990% | 2,802 |
Total domestic deposits to total assets | 86.8208% | 2,080 |
Equity capital to assets | 13.0432% | 1,244 |
Core capital (leverage) ratio | 13.1198% | 1,105 |
Tier 1 risk-based capital ratio | 21.1683% | 1,118 |
Total risk-based capital ratio | 22.4187% | 1,095 |
Memoranda: | ||
Average total assets | $111,381,600 | 4,032 |
Average earning assets | $104,112,800 | 4,021 |
Average equity | $14,607,400 | 3,768 |
Average total loans | $81,492,400 | 3,722 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2922% | 346 |
Cost of funding earning assets | 0.2568% | 4,509 |
Net interest margin | 5.0354% | 211 |
Noninterest income to average assets | 0.2280% | 4,846 |
Noninterest expense to average assets | 3.0120% | 2,081 |
Loan and lease loss provision to assets | 0.1800% | 1,111 |
Net operating income to assets | 1.2449% | 1,532 |
Return on assets (ROA) | 1.2432% | 1,560 |
Pretax return on assets | 1.7388% | 1,026 |
Return on Equity (ROE) | 9.4665% | 2,367 |
Retained earnings to average equity (ytd only) | 7.1546% | 1,609 |
Net charge-offs to loans | 0.2541% | 854 |
Credit loss provision to net charge-offs | 96.7742% | 2,363 |
Earnings coverage of net charge-offs (x) | 10.3291% | 2,606 |
Efficiency ratio | 61.0557% | 4,035 |
Assets per employee ($millions) | 3.4258% | 4,834 |
Cash dividends to net income (ytd only)* | 24.4205% | 2,969 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0134% | 3,988 |
Loan loss allowance to noncurrent loans | 35.3780% | 4,851 |
Noncurrent assets plus other real estate owned to assets | 2.4476% | 453 |
Noncurrent loans to loans | 2.8646% | 464 |
Net loans and leases to total assets | 70.7607% | 2,447 |
Net loans and leases to deposits | 81.7627% | 2,800 |
Net loans and leases to core deposits | 85.7074% | 2,992 |
Total domestic deposits to total assets | 86.5440% | 2,080 |
Equity capital to assets | 13.2879% | 1,257 |
Core capital (leverage) ratio | 13.3787% | 1,072 |
Tier 1 risk-based capital ratio | 21.5133% | 1,112 |
Total risk-based capital ratio | 22.6834% | 1,104 |
Memoranda: | ||
Average total assets | $111,107,000 | 4,089 |
Average earning assets | $103,822,750 | 4,068 |
Average equity | $14,591,500 | 3,805 |
Average total loans | $81,335,250 | 3,745 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3299% | 315 |
Cost of funding earning assets | 0.2558% | 4,492 |
Net interest margin | 5.0741% | 195 |
Noninterest income to average assets | 0.2299% | 4,859 |
Noninterest expense to average assets | 3.0147% | 2,073 |
Loan and lease loss provision to assets | 0.1358% | 1,527 |
Net operating income to assets | 1.3026% | 1,289 |
Return on assets (ROA) | 1.3000% | 1,323 |
Pretax return on assets | 1.8161% | 809 |
Return on Equity (ROE) | 9.9391% | 2,063 |
Retained earnings to average equity (ytd only) | 6.4369% | 1,883 |
Net charge-offs to loans | 0.2306% | 887 |
Credit loss provision to net charge-offs | 79.7872% | 2,266 |
Earnings coverage of net charge-offs (x) | 11.4894% | 2,274 |
Efficiency ratio | 60.6557% | 4,217 |
Assets per employee ($millions) | 3.6025% | 4,573 |
Cash dividends to net income (ytd only)* | 35.2368% | 2,568 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9839% | 4,246 |
Loan loss allowance to noncurrent loans | 31.7680% | 4,939 |
Noncurrent assets plus other real estate owned to assets | 2.5851% | 402 |
Noncurrent loans to loans | 3.0972% | 407 |
Net loans and leases to total assets | 72.5396% | 2,116 |
Net loans and leases to deposits | 83.7529% | 2,514 |
Net loans and leases to core deposits | 88.4572% | 2,662 |
Total domestic deposits to total assets | 86.6114% | 2,124 |
Equity capital to assets | 13.1737% | 1,294 |
Core capital (leverage) ratio | 13.1948% | 1,104 |
Tier 1 risk-based capital ratio | 20.9775% | 1,188 |
Total risk-based capital ratio | 22.1232% | 1,183 |
Memoranda: | ||
Average total assets | $110,459,330 | 4,124 |
Average earning assets | $103,191,330 | 4,116 |
Average equity | $14,448,000 | 3,828 |
Average total loans | $81,509,000 | 3,753 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3715% | 286 |
Cost of funding earning assets | 0.2528% | 4,511 |
Net interest margin | 5.1187% | 178 |
Noninterest income to average assets | 0.2622% | 4,661 |
Noninterest expense to average assets | 3.0696% | 1,956 |
Loan and lease loss provision to assets | 0.0910% | 2,020 |
Net operating income to assets | 1.3254% | 1,176 |
Return on assets (ROA) | 1.3254% | 1,210 |
Pretax return on assets | 1.8935% | 649 |
Return on Equity (ROE) | 10.1704% | 1,894 |
Retained earnings to average equity (ytd only) | 10.1704% | 775 |
Net charge-offs to loans | 0.5457% | 327 |
Credit loss provision to net charge-offs | 22.5225% | 2,159 |
Earnings coverage of net charge-offs (x) | 4.9099% | 2,337 |
Efficiency ratio | 60.7349% | 4,356 |
Assets per employee ($millions) | 3.2711% | 5,075 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9047% | 4,741 |
Loan loss allowance to noncurrent loans | 30.6861% | 5,031 |
Noncurrent assets plus other real estate owned to assets | 2.5967% | 438 |
Noncurrent loans to loans | 2.9484% | 472 |
Net loans and leases to total assets | 72.6811% | 1,973 |
Net loans and leases to deposits | 83.8204% | 2,303 |
Net loans and leases to core deposits | 87.7942% | 2,567 |
Total domestic deposits to total assets | 86.7105% | 2,352 |
Equity capital to assets | 13.0602% | 1,233 |
Core capital (leverage) ratio | 13.3373% | 1,021 |
Tier 1 risk-based capital ratio | 20.7757% | 1,249 |
Total risk-based capital ratio | 21.8231% | 1,261 |
Memoranda: | ||
Average total assets | $109,850,500 | 4,177 |
Average earning assets | $102,838,500 | 4,160 |
Average equity | $14,316,000 | 3,873 |
Average total loans | $81,356,000 | 3,785 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3617% | 316 |
Cost of funding earning assets | 0.2522% | 4,545 |
Net interest margin | 5.1096% | 205 |
Noninterest income to average assets | 0.2648% | 4,834 |
Noninterest expense to average assets | 2.8610% | 2,811 |
Loan and lease loss provision to assets | 0.5039% | 276 |
Net operating income to assets | 1.2357% | 1,395 |
Return on assets (ROA) | 1.2377% | 1,472 |
Pretax return on assets | 1.6921% | 1,019 |
Return on Equity (ROE) | 9.5357% | 2,175 |
Retained earnings to average equity (ytd only) | 4.6796% | 2,559 |
Net charge-offs to loans | 0.7116% | 304 |
Credit loss provision to net charge-offs | 97.6909% | 2,651 |
Earnings coverage of net charge-offs (x) | 4.2522% | 3,526 |
Efficiency ratio | 56.6069% | 5,000 |
Assets per employee ($millions) | 3.0996% | 5,265 |
Cash dividends to net income (ytd only)* | 50.9252% | 2,251 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0155% | 4,221 |
Loan loss allowance to noncurrent loans | 32.0872% | 5,045 |
Noncurrent assets plus other real estate owned to assets | 2.7174% | 420 |
Noncurrent loans to loans | 3.1649% | 411 |
Net loans and leases to total assets | 74.0351% | 1,846 |
Net loans and leases to deposits | 85.2287% | 2,275 |
Net loans and leases to core deposits | 89.3603% | 2,564 |
Total domestic deposits to total assets | 86.8664% | 2,213 |
Equity capital to assets | 13.0036% | 1,258 |
Core capital (leverage) ratio | 12.9764% | 1,140 |
Tier 1 risk-based capital ratio | 20.3461% | 1,316 |
Total risk-based capital ratio | 21.5205% | 1,304 |
Memoranda: | ||
Average total assets | $109,156,200 | 4,183 |
Average earning assets | $102,318,200 | 4,158 |
Average equity | $14,167,800 | 3,925 |
Average total loans | $79,115,000 | 3,818 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3679% | 318 |
Cost of funding earning assets | 0.2446% | 4,656 |
Net interest margin | 5.1233% | 203 |
Noninterest income to average assets | 0.2756% | 4,800 |
Noninterest expense to average assets | 2.8819% | 2,695 |
Loan and lease loss provision to assets | 0.2988% | 570 |
Net operating income to assets | 1.3744% | 1,118 |
Return on assets (ROA) | 1.3806% | 1,163 |
Pretax return on assets | 1.9050% | 698 |
Return on Equity (ROE) | 10.6416% | 1,812 |
Retained earnings to average equity (ytd only) | 8.2538% | 1,063 |
Net charge-offs to loans | 0.5716% | 368 |
Credit loss provision to net charge-offs | 72.7003% | 2,751 |
Earnings coverage of net charge-offs (x) | 5.3413% | 3,146 |
Efficiency ratio | 56.7620% | 4,985 |
Assets per employee ($millions) | 3.3279% | 5,012 |
Cash dividends to net income (ytd only)* | 22.4382% | 3,125 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9253% | 4,780 |
Loan loss allowance to noncurrent loans | 31.1715% | 5,149 |
Noncurrent assets plus other real estate owned to assets | 2.4094% | 581 |
Noncurrent loans to loans | 2.9684% | 508 |
Net loans and leases to total assets | 72.6361% | 2,080 |
Net loans and leases to deposits | 84.9420% | 2,374 |
Net loans and leases to core deposits | 88.8158% | 2,681 |
Total domestic deposits to total assets | 85.5127% | 2,600 |
Equity capital to assets | 13.3236% | 1,337 |
Core capital (leverage) ratio | 13.1803% | 1,120 |
Tier 1 risk-based capital ratio | 20.6222% | 1,334 |
Total risk-based capital ratio | 21.6825% | 1,333 |
Memoranda: | ||
Average total assets | $109,324,000 | 4,211 |
Average earning assets | $102,457,750 | 4,178 |
Average equity | $14,183,000 | 3,954 |
Average total loans | $78,608,500 | 3,862 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2899% | 368 |
Cost of funding earning assets | 0.2306% | 4,845 |
Net interest margin | 5.0593% | 232 |
Noninterest income to average assets | 0.2693% | 4,857 |
Noninterest expense to average assets | 2.8912% | 2,705 |
Loan and lease loss provision to assets | 0.3390% | 484 |
Net operating income to assets | 1.2899% | 1,300 |
Return on assets (ROA) | 1.2899% | 1,410 |
Pretax return on assets | 1.7827% | 917 |
Return on Equity (ROE) | 10.0333% | 2,037 |
Retained earnings to average equity (ytd only) | 6.4133% | 1,911 |
Net charge-offs to loans | 0.5669% | 368 |
Credit loss provision to net charge-offs | 83.7104% | 2,326 |
Earnings coverage of net charge-offs (x) | 5.2398% | 2,880 |
Efficiency ratio | 57.6754% | 4,951 |
Assets per employee ($millions) | 3.4206% | 4,886 |
Cash dividends to net income (ytd only)* | 36.0795% | 2,593 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0180% | 4,416 |
Loan loss allowance to noncurrent loans | 35.9677% | 5,154 |
Noncurrent assets plus other real estate owned to assets | 2.2684% | 660 |
Noncurrent loans to loans | 2.8304% | 549 |
Net loans and leases to total assets | 71.1502% | 2,307 |
Net loans and leases to deposits | 84.8673% | 2,364 |
Net loans and leases to core deposits | 87.7987% | 2,744 |
Total domestic deposits to total assets | 83.8370% | 3,335 |
Equity capital to assets | 13.0239% | 1,486 |
Core capital (leverage) ratio | 12.8015% | 1,230 |
Tier 1 risk-based capital ratio | 20.5028% | 1,347 |
Total risk-based capital ratio | 21.6707% | 1,340 |
Memoranda: | ||
Average total assets | $109,158,670 | 4,241 |
Average earning assets | $102,346,330 | 4,212 |
Average equity | $14,033,330 | 3,992 |
Average total loans | $77,973,330 | 3,903 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3234% | 338 |
Cost of funding earning assets | 0.2190% | 5,010 |
Net interest margin | 5.1044% | 202 |
Noninterest income to average assets | 0.2679% | 4,816 |
Noninterest expense to average assets | 2.8181% | 3,005 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.5925% | 709 |
Return on assets (ROA) | 1.5925% | 752 |
Pretax return on assets | 2.2384% | 355 |
Return on Equity (ROE) | 12.4695% | 1,165 |
Retained earnings to average equity (ytd only) | 12.4695% | 441 |
Net charge-offs to loans | -0.0206% | 4,875 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.7329% | 5,217 |
Assets per employee ($millions) | 3.4271% | 4,922 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0806% | 4,164 |
Loan loss allowance to noncurrent loans | 37.1302% | 5,142 |
Noncurrent assets plus other real estate owned to assets | 2.2760% | 700 |
Noncurrent loans to loans | 2.9103% | 576 |
Net loans and leases to total assets | 70.2004% | 2,310 |
Net loans and leases to deposits | 84.1313% | 2,290 |
Net loans and leases to core deposits | 86.0698% | 2,741 |
Total domestic deposits to total assets | 83.4415% | 3,735 |
Equity capital to assets | 12.9165% | 1,450 |
Core capital (leverage) ratio | 12.8901% | 1,203 |
Tier 1 risk-based capital ratio | 20.4791% | 1,409 |
Total risk-based capital ratio | 21.7054% | 1,385 |
Memoranda: | ||
Average total assets | $109,008,000 | 4,280 |
Average earning assets | $102,265,500 | 4,247 |
Average equity | $13,922,000 | 4,011 |
Average total loans | $77,619,000 | 3,929 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3697% | 336 |
Cost of funding earning assets | 0.2379% | 4,918 |
Net interest margin | 5.1319% | 200 |
Noninterest income to average assets | 0.8527% | 1,597 |
Noninterest expense to average assets | 2.8618% | 2,988 |
Loan and lease loss provision to assets | 0.4357% | 284 |
Net operating income to assets | 1.8788% | 420 |
Return on assets (ROA) | 1.8788% | 431 |
Pretax return on assets | 2.3671% | 261 |
Return on Equity (ROE) | 15.0003% | 685 |
Retained earnings to average equity (ytd only) | 9.8531% | 483 |
Net charge-offs to loans | 0.4476% | 615 |
Credit loss provision to net charge-offs | 140.4834% | 1,874 |
Earnings coverage of net charge-offs (x) | 9.0363% | 2,876 |
Efficiency ratio | 50.5211% | 5,735 |
Assets per employee ($millions) | 3.3859% | 5,005 |
Cash dividends to net income (ytd only)* | 34.3142% | 3,129 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0812% | 4,141 |
Loan loss allowance to noncurrent loans | 43.6165% | 5,024 |
Noncurrent assets plus other real estate owned to assets | 1.9843% | 894 |
Noncurrent loans to loans | 2.4790% | 745 |
Net loans and leases to total assets | 70.6728% | 2,268 |
Net loans and leases to deposits | 83.7689% | 2,390 |
Net loans and leases to core deposits | 85.7002% | 2,815 |
Total domestic deposits to total assets | 84.3664% | 3,343 |
Equity capital to assets | 12.6248% | 1,547 |
Core capital (leverage) ratio | 12.6920% | 1,270 |
Tier 1 risk-based capital ratio | 19.9613% | 1,491 |
Total risk-based capital ratio | 21.1887% | 1,468 |
Memoranda: | ||
Average total assets | $106,714,400 | 4,320 |
Average earning assets | $100,061,200 | 4,289 |
Average equity | $13,366,400 | 4,066 |
Average total loans | $73,952,800 | 3,996 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3844% | 329 |
Cost of funding earning assets | 0.2423% | 4,970 |
Net interest margin | 5.1421% | 196 |
Noninterest income to average assets | 1.0498% | 1,085 |
Noninterest expense to average assets | 2.8747% | 2,927 |
Loan and lease loss provision to assets | 0.3324% | 414 |
Net operating income to assets | 2.1422% | 285 |
Return on assets (ROA) | 2.1422% | 300 |
Pretax return on assets | 2.6615% | 185 |
Return on Equity (ROE) | 17.1375% | 462 |
Retained earnings to average equity (ytd only) | 14.5890% | 183 |
Net charge-offs to loans | 0.4889% | 494 |
Credit loss provision to net charge-offs | 98.8806% | 2,321 |
Earnings coverage of net charge-offs (x) | 8.9068% | 2,757 |
Efficiency ratio | 48.9848% | 5,822 |
Assets per employee ($millions) | 3.3613% | 5,042 |
Cash dividends to net income (ytd only)* | 14.8712% | 3,429 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9236% | 5,105 |
Loan loss allowance to noncurrent loans | 31.4465% | 5,407 |
Noncurrent assets plus other real estate owned to assets | 2.2991% | 798 |
Noncurrent loans to loans | 2.9369% | 614 |
Net loans and leases to total assets | 69.8140% | 2,416 |
Net loans and leases to deposits | 81.7554% | 2,672 |
Net loans and leases to core deposits | 84.1107% | 3,027 |
Total domestic deposits to total assets | 85.3937% | 2,830 |
Equity capital to assets | 12.8790% | 1,518 |
Core capital (leverage) ratio | 12.8605% | 1,248 |
Tier 1 risk-based capital ratio | 20.3653% | 1,463 |
Total risk-based capital ratio | 21.4021% | 1,479 |
Memoranda: | ||
Average total assets | $106,305,500 | 4,376 |
Average earning assets | $99,619,500 | 4,341 |
Average equity | $13,288,250 | 4,123 |
Average total loans | $73,088,250 | 4,058 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3861% | 317 |
Cost of funding earning assets | 0.2439% | 5,012 |
Net interest margin | 5.1422% | 194 |
Noninterest income to average assets | 1.4355% | 616 |
Noninterest expense to average assets | 2.8181% | 3,168 |
Loan and lease loss provision to assets | 0.1889% | 1,059 |
Net operating income to assets | 2.6595% | 138 |
Return on assets (ROA) | 2.6595% | 144 |
Pretax return on assets | 3.2469% | 116 |
Return on Equity (ROE) | 21.4962% | 213 |
Retained earnings to average equity (ytd only) | 17.6183% | 114 |
Net charge-offs to loans | 0.3907% | 667 |
Credit loss provision to net charge-offs | 70.9220% | 2,451 |
Earnings coverage of net charge-offs (x) | 12.9007% | 2,172 |
Efficiency ratio | 45.0619% | 6,079 |
Assets per employee ($millions) | 3.2948% | 5,177 |
Cash dividends to net income (ytd only)* | 18.0398% | 3,249 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9133% | 5,252 |
Loan loss allowance to noncurrent loans | 31.2412% | 5,476 |
Noncurrent assets plus other real estate owned to assets | 2.2175% | 935 |
Noncurrent loans to loans | 2.9233% | 694 |
Net loans and leases to total assets | 68.1216% | 2,623 |
Net loans and leases to deposits | 80.5943% | 2,713 |
Net loans and leases to core deposits | 82.9875% | 3,085 |
Total domestic deposits to total assets | 84.5241% | 3,334 |
Equity capital to assets | 12.8117% | 1,486 |
Core capital (leverage) ratio | 12.6040% | 1,332 |
Tier 1 risk-based capital ratio | 20.4797% | 1,455 |
Total risk-based capital ratio | 21.4879% | 1,474 |
Memoranda: | ||
Average total assets | $105,886,330 | 4,423 |
Average earning assets | $99,218,000 | 4,387 |
Average equity | $13,100,000 | 4,189 |
Average total loans | $72,186,330 | 4,100 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3677% | 316 |
Cost of funding earning assets | 0.2493% | 5,029 |
Net interest margin | 5.1184% | 202 |
Noninterest income to average assets | 2.6048% | 257 |
Noninterest expense to average assets | 2.7631% | 3,372 |
Loan and lease loss provision to assets | 0.3770% | 327 |
Net operating income to assets | 3.7244% | 66 |
Return on assets (ROA) | 3.7244% | 69 |
Pretax return on assets | 4.2634% | 80 |
Return on Equity (ROE) | 30.6452% | 54 |
Retained earnings to average equity (ytd only) | 30.6452% | 23 |
Net charge-offs to loans | 0.4331% | 568 |
Credit loss provision to net charge-offs | 128.2051% | 1,385 |
Earnings coverage of net charge-offs (x) | 15.7821% | 1,605 |
Efficiency ratio | 37.3218% | 6,316 |
Assets per employee ($millions) | 3.4546% | 4,976 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9980% | 5,040 |
Loan loss allowance to noncurrent loans | 48.6251% | 5,057 |
Noncurrent assets plus other real estate owned to assets | 1.6014% | 1,601 |
Noncurrent loans to loans | 2.0525% | 1,265 |
Net loans and leases to total assets | 67.1532% | 2,587 |
Net loans and leases to deposits | 77.1261% | 2,928 |
Net loans and leases to core deposits | 79.3112% | 3,248 |
Total domestic deposits to total assets | 87.0693% | 2,337 |
Equity capital to assets | 12.5469% | 1,667 |
Core capital (leverage) ratio | 12.4746% | 1,372 |
Tier 1 risk-based capital ratio | 20.1588% | 1,579 |
Total risk-based capital ratio | 21.2591% | 1,586 |
Memoranda: | ||
Average total assets | $106,112,000 | 4,453 |
Average earning assets | $99,483,500 | 4,411 |
Average equity | $12,896,000 | 4,252 |
Average total loans | $72,036,500 | 4,132 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4440% | 349 |
Cost of funding earning assets | 0.3112% | 4,668 |
Net interest margin | 5.1328% | 235 |
Noninterest income to average assets | 0.2677% | 5,214 |
Noninterest expense to average assets | 2.7321% | 3,741 |
Loan and lease loss provision to assets | 0.1947% | 1,313 |
Net operating income to assets | 1.5605% | 778 |
Return on assets (ROA) | 1.5612% | 807 |
Pretax return on assets | 2.2065% | 310 |
Return on Equity (ROE) | 13.5967% | 1,016 |
Retained earnings to average equity (ytd only) | 9.2905% | 644 |
Net charge-offs to loans | 0.3665% | 1,187 |
Credit loss provision to net charge-offs | 80.3213% | 2,855 |
Earnings coverage of net charge-offs (x) | 9.9036% | 2,681 |
Efficiency ratio | 53.2335% | 5,905 |
Assets per employee ($millions) | 3.5043% | 4,888 |
Cash dividends to net income (ytd only)* | 31.6708% | 3,304 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9842% | 5,141 |
Loan loss allowance to noncurrent loans | 46.6799% | 5,201 |
Noncurrent assets plus other real estate owned to assets | 1.5039% | 1,813 |
Noncurrent loans to loans | 2.1083% | 1,295 |
Net loans and leases to total assets | 67.2767% | 2,683 |
Net loans and leases to deposits | 76.4495% | 3,147 |
Net loans and leases to core deposits | 78.6312% | 3,452 |
Total domestic deposits to total assets | 88.0015% | 1,771 |
Equity capital to assets | 11.7521% | 2,207 |
Core capital (leverage) ratio | 11.6479% | 1,866 |
Tier 1 risk-based capital ratio | 18.7115% | 1,929 |
Total risk-based capital ratio | 19.7814% | 1,950 |
Memoranda: | ||
Average total assets | $102,740,000 | 4,533 |
Average earning assets | $97,374,000 | 4,465 |
Average equity | $11,797,000 | 4,398 |
Average total loans | $67,945,600 | 4,236 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2804% | 452 |
Cost of funding earning assets | 0.3218% | 4,652 |
Net interest margin | 4.9586% | 324 |
Noninterest income to average assets | 0.2624% | 5,333 |
Noninterest expense to average assets | 2.7125% | 3,786 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.5903% | 771 |
Return on assets (ROA) | 1.5912% | 798 |
Pretax return on assets | 2.2582% | 328 |
Return on Equity (ROE) | 13.9420% | 997 |
Retained earnings to average equity (ytd only) | 11.0369% | 508 |
Net charge-offs to loans | 0.2803% | 1,405 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 12.2621% | 2,338 |
Efficiency ratio | 54.5837% | 5,769 |
Assets per employee ($millions) | 3.5127% | 4,838 |
Cash dividends to net income (ytd only)* | 20.8369% | 3,183 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8684% | 5,693 |
Loan loss allowance to noncurrent loans | 36.3042% | 5,553 |
Noncurrent assets plus other real estate owned to assets | 1.6682% | 1,817 |
Noncurrent loans to loans | 2.3921% | 1,242 |
Net loans and leases to total assets | 66.1843% | 2,826 |
Net loans and leases to deposits | 75.9526% | 3,187 |
Net loans and leases to core deposits | 78.1334% | 3,525 |
Total domestic deposits to total assets | 87.1389% | 2,238 |
Equity capital to assets | 11.5971% | 2,396 |
Core capital (leverage) ratio | 11.7005% | 1,908 |
Tier 1 risk-based capital ratio | 18.5111% | 2,045 |
Total risk-based capital ratio | 19.4411% | 2,110 |
Memoranda: | ||
Average total assets | $102,142,500 | 4,596 |
Average earning assets | $96,959,500 | 4,525 |
Average equity | $11,657,500 | 4,457 |
Average total loans | $67,074,250 | 4,307 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2774% | 449 |
Cost of funding earning assets | 0.3320% | 4,622 |
Net interest margin | 4.9454% | 318 |
Noninterest income to average assets | 0.2434% | 5,452 |
Noninterest expense to average assets | 2.7052% | 3,841 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.5798% | 740 |
Return on assets (ROA) | 1.5812% | 774 |
Pretax return on assets | 2.2560% | 328 |
Return on Equity (ROE) | 13.9324% | 966 |
Retained earnings to average equity (ytd only) | 9.5033% | 837 |
Net charge-offs to loans | 0.1697% | 2,036 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 20.3393% | 1,588 |
Efficiency ratio | 54.5491% | 5,869 |
Assets per employee ($millions) | 3.4470% | 4,955 |
Cash dividends to net income (ytd only)* | 31.7897% | 2,715 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0291% | 5,213 |
Loan loss allowance to noncurrent loans | 45.9103% | 5,320 |
Noncurrent assets plus other real estate owned to assets | 1.5443% | 2,109 |
Noncurrent loans to loans | 2.2416% | 1,459 |
Net loans and leases to total assets | 64.7278% | 2,955 |
Net loans and leases to deposits | 73.2467% | 3,429 |
Net loans and leases to core deposits | 75.3586% | 3,698 |
Total domestic deposits to total assets | 88.3696% | 1,700 |
Equity capital to assets | 11.3906% | 2,518 |
Core capital (leverage) ratio | 11.6274% | 1,905 |
Tier 1 risk-based capital ratio | 18.5088% | 2,062 |
Total risk-based capital ratio | 19.6059% | 2,074 |
Memoranda: | ||
Average total assets | $101,063,330 | 4,660 |
Average earning assets | $96,373,330 | 4,570 |
Average equity | $11,469,670 | 4,504 |
Average total loans | $65,980,330 | 4,357 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2231% | 467 |
Cost of funding earning assets | 0.3496% | 4,545 |
Net interest margin | 4.8735% | 335 |
Noninterest income to average assets | 0.2323% | 5,492 |
Noninterest expense to average assets | 2.7070% | 3,913 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.5469% | 739 |
Return on assets (ROA) | 1.5497% | 766 |
Pretax return on assets | 2.2184% | 344 |
Return on Equity (ROE) | 13.6810% | 1,003 |
Retained earnings to average equity (ytd only) | 13.6810% | 419 |
Net charge-offs to loans | -0.0246% | 5,452 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.0041% | 5,922 |
Assets per employee ($millions) | 3.4819% | 4,960 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1600% | 4,822 |
Loan loss allowance to noncurrent loans | 55.2228% | 5,009 |
Noncurrent assets plus other real estate owned to assets | 1.4865% | 2,373 |
Noncurrent loans to loans | 2.1006% | 1,753 |
Net loans and leases to total assets | 63.7950% | 2,932 |
Net loans and leases to deposits | 72.2131% | 3,313 |
Net loans and leases to core deposits | 73.3320% | 3,726 |
Total domestic deposits to total assets | 88.3427% | 2,029 |
Equity capital to assets | 11.4197% | 2,316 |
Core capital (leverage) ratio | 11.6440% | 1,867 |
Tier 1 risk-based capital ratio | 19.2640% | 1,886 |
Total risk-based capital ratio | 20.5145% | 1,856 |
Memoranda: | ||
Average total assets | $99,890,000 | 4,740 |
Average earning assets | $96,111,000 | 4,625 |
Average equity | $11,315,000 | 4,540 |
Average total loans | $65,155,000 | 4,424 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2774% | 556 |
Cost of funding earning assets | 0.4263% | 4,364 |
Net interest margin | 4.8511% | 393 |
Noninterest income to average assets | 0.2176% | 5,778 |
Noninterest expense to average assets | 2.6236% | 4,380 |
Loan and lease loss provision to assets | 0.1755% | 2,103 |
Net operating income to assets | 1.4465% | 923 |
Return on assets (ROA) | 1.4472% | 965 |
Pretax return on assets | 2.0640% | 422 |
Return on Equity (ROE) | 13.2663% | 1,116 |
Retained earnings to average equity (ytd only) | 8.5960% | 876 |
Net charge-offs to loans | 0.8072% | 776 |
Credit loss provision to net charge-offs | 34.6535% | 4,155 |
Earnings coverage of net charge-offs (x) | 4.4198% | 3,570 |
Efficiency ratio | 53.9604% | 6,138 |
Assets per employee ($millions) | 3.4071% | 5,067 |
Cash dividends to net income (ytd only)* | 35.2044% | 3,037 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1545% | 4,888 |
Loan loss allowance to noncurrent loans | 48.2670% | 5,323 |
Noncurrent assets plus other real estate owned to assets | 1.5768% | 2,365 |
Noncurrent loans to loans | 2.3919% | 1,598 |
Net loans and leases to total assets | 65.1637% | 2,832 |
Net loans and leases to deposits | 73.9064% | 3,272 |
Net loans and leases to core deposits | 75.0793% | 3,722 |
Total domestic deposits to total assets | 88.1706% | 2,076 |
Equity capital to assets | 11.2332% | 2,398 |
Core capital (leverage) ratio | 11.0566% | 2,335 |
Tier 1 risk-based capital ratio | 18.9533% | 1,938 |
Total risk-based capital ratio | 20.2024% | 1,895 |
Memoranda: | ||
Average total assets | $99,710,800 | 4,744 |
Average earning assets | $95,463,600 | 4,636 |
Average equity | $10,877,200 | 4,661 |
Average total loans | $62,564,400 | 4,530 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2571% | 575 |
Cost of funding earning assets | 0.4424% | 4,358 |
Net interest margin | 4.8147% | 418 |
Noninterest income to average assets | 0.2108% | 5,914 |
Noninterest expense to average assets | 2.6282% | 4,286 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.5276% | 857 |
Return on assets (ROA) | 1.5276% | 901 |
Pretax return on assets | 2.1853% | 401 |
Return on Equity (ROE) | 14.1071% | 973 |
Retained earnings to average equity (ytd only) | 10.9776% | 580 |
Net charge-offs to loans | 0.8161% | 716 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 4.3219% | 3,469 |
Efficiency ratio | 54.6009% | 6,050 |
Assets per employee ($millions) | 3.4914% | 4,867 |
Cash dividends to net income (ytd only)* | 22.1835% | 3,004 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0942% | 5,353 |
Loan loss allowance to noncurrent loans | 39.5611% | 5,646 |
Noncurrent assets plus other real estate owned to assets | 1.7935% | 2,282 |
Noncurrent loans to loans | 2.7658% | 1,517 |
Net loans and leases to total assets | 62.7602% | 3,207 |
Net loans and leases to deposits | 73.0977% | 3,381 |
Net loans and leases to core deposits | 74.7055% | 3,765 |
Total domestic deposits to total assets | 85.8581% | 3,337 |
Equity capital to assets | 10.9094% | 2,848 |
Core capital (leverage) ratio | 11.2098% | 2,292 |
Tier 1 risk-based capital ratio | 18.3837% | 2,179 |
Total risk-based capital ratio | 19.5424% | 2,180 |
Memoranda: | ||
Average total assets | $99,937,250 | 4,782 |
Average earning assets | $95,539,000 | 4,679 |
Average equity | $10,821,750 | 4,726 |
Average total loans | $61,921,250 | 4,583 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2685% | 557 |
Cost of funding earning assets | 0.4590% | 4,325 |
Net interest margin | 4.8094% | 426 |
Noninterest income to average assets | 0.1809% | 6,126 |
Noninterest expense to average assets | 2.6010% | 4,383 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.5156% | 875 |
Return on assets (ROA) | 1.5156% | 941 |
Pretax return on assets | 2.1709% | 444 |
Return on Equity (ROE) | 14.0318% | 1,004 |
Retained earnings to average equity (ytd only) | 9.3049% | 1,028 |
Net charge-offs to loans | 0.1995% | 2,565 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 17.7049% | 1,591 |
Efficiency ratio | 54.5072% | 6,106 |
Assets per employee ($millions) | 3.3709% | 5,130 |
Cash dividends to net income (ytd only)* | 33.6870% | 2,516 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6611% | 2,932 |
Loan loss allowance to noncurrent loans | 51.3323% | 5,142 |
Noncurrent assets plus other real estate owned to assets | 2.0480% | 2,111 |
Noncurrent loans to loans | 3.2359% | 1,358 |
Net loans and leases to total assets | 61.8342% | 3,323 |
Net loans and leases to deposits | 69.5669% | 3,778 |
Net loans and leases to core deposits | 71.0962% | 4,158 |
Total domestic deposits to total assets | 88.8845% | 1,693 |
Equity capital to assets | 10.8844% | 2,865 |
Core capital (leverage) ratio | 10.8589% | 2,496 |
Tier 1 risk-based capital ratio | 18.6970% | 2,083 |
Total risk-based capital ratio | 19.9548% | 2,049 |
Memoranda: | ||
Average total assets | $99,499,000 | 4,832 |
Average earning assets | $94,980,000 | 4,727 |
Average equity | $10,747,000 | 4,781 |
Average total loans | $61,145,330 | 4,636 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1503% | 678 |
Cost of funding earning assets | 0.4887% | 4,195 |
Net interest margin | 4.6616% | 512 |
Noninterest income to average assets | 0.2232% | 5,885 |
Noninterest expense to average assets | 2.5904% | 4,432 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.4347% | 976 |
Return on assets (ROA) | 1.4347% | 1,053 |
Pretax return on assets | 2.0803% | 511 |
Return on Equity (ROE) | 13.3327% | 1,090 |
Retained earnings to average equity (ytd only) | 13.3327% | 516 |
Net charge-offs to loans | 0.0590% | 3,228 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 58.0000% | 611 |
Efficiency ratio | 55.4608% | 6,113 |
Assets per employee ($millions) | 3.4340% | 5,125 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7619% | 2,767 |
Loan loss allowance to noncurrent loans | 59.6774% | 4,734 |
Noncurrent assets plus other real estate owned to assets | 1.9129% | 2,460 |
Noncurrent loans to loans | 2.9523% | 1,702 |
Net loans and leases to total assets | 60.0767% | 3,415 |
Net loans and leases to deposits | 67.6856% | 3,803 |
Net loans and leases to core deposits | 69.1469% | 4,168 |
Total domestic deposits to total assets | 88.7585% | 1,823 |
Equity capital to assets | 11.0226% | 2,942 |
Core capital (leverage) ratio | 10.7176% | 2,533 |
Tier 1 risk-based capital ratio | 18.5946% | 2,161 |
Total risk-based capital ratio | 19.8533% | 2,129 |
Memoranda: | ||
Average total assets | $100,371,000 | 4,857 |
Average earning assets | $95,762,000 | 4,744 |
Average equity | $10,800,500 | 4,809 |
Average total loans | $60,984,500 | 4,671 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7783% | 383 |
Cost of funding earning assets | 0.7549% | 3,051 |
Net interest margin | 5.0233% | 377 |
Noninterest income to average assets | 0.5488% | 3,589 |
Noninterest expense to average assets | 2.8562% | 3,828 |
Loan and lease loss provision to assets | 0.3069% | 2,225 |
Net operating income to assets | 1.5243% | 874 |
Return on assets (ROA) | 1.5345% | 940 |
Pretax return on assets | 2.2076% | 405 |
Return on Equity (ROE) | 13.4106% | 1,125 |
Retained earnings to average equity (ytd only) | 8.4379% | 988 |
Net charge-offs to loans | 0.3308% | 2,986 |
Credit loss provision to net charge-offs | 134.3137% | 2,078 |
Earnings coverage of net charge-offs (x) | 10.9412% | 2,087 |
Efficiency ratio | 53.3250% | 6,344 |
Assets per employee ($millions) | 3.4881% | 5,025 |
Cash dividends to net income (ytd only)* | 37.0803% | 3,029 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7718% | 2,680 |
Loan loss allowance to noncurrent loans | 56.6196% | 4,803 |
Noncurrent assets plus other real estate owned to assets | 2.0552% | 2,385 |
Noncurrent loans to loans | 3.1293% | 1,655 |
Net loans and leases to total assets | 59.3005% | 3,725 |
Net loans and leases to deposits | 66.4400% | 4,220 |
Net loans and leases to core deposits | 69.2255% | 4,406 |
Total domestic deposits to total assets | 89.2542% | 1,403 |
Equity capital to assets | 10.5026% | 3,530 |
Core capital (leverage) ratio | 10.8028% | 2,438 |
Tier 1 risk-based capital ratio | 18.0741% | 2,238 |
Total risk-based capital ratio | 19.3315% | 2,207 |
Memoranda: | ||
Average total assets | $89,280,800 | 5,107 |
Average earning assets | $85,441,000 | 4,976 |
Average equity | $10,215,800 | 4,932 |
Average total loans | $61,660,200 | 4,650 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9146% | 322 |
Cost of funding earning assets | 0.8056% | 2,896 |
Net interest margin | 5.1090% | 336 |
Noninterest income to average assets | 0.6642% | 2,908 |
Noninterest expense to average assets | 2.9860% | 3,283 |
Loan and lease loss provision to assets | 0.4233% | 1,504 |
Net operating income to assets | 1.4954% | 1,026 |
Return on assets (ROA) | 1.5092% | 1,114 |
Pretax return on assets | 2.1735% | 502 |
Return on Equity (ROE) | 12.8798% | 1,368 |
Retained earnings to average equity (ytd only) | 9.5314% | 1,051 |
Net charge-offs to loans | 0.2351% | 3,312 |
Credit loss provision to net charge-offs | 251.3761% | 1,090 |
Earnings coverage of net charge-offs (x) | 15.3027% | 1,775 |
Efficiency ratio | 53.6795% | 6,288 |
Assets per employee ($millions) | 3.1065% | 5,836 |
Cash dividends to net income (ytd only)* | 25.9982% | 2,813 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8843% | 2,533 |
Loan loss allowance to noncurrent loans | 58.4699% | 4,720 |
Noncurrent assets plus other real estate owned to assets | 2.4021% | 2,216 |
Noncurrent loans to loans | 3.2228% | 1,710 |
Net loans and leases to total assets | 68.0279% | 2,290 |
Net loans and leases to deposits | 77.3576% | 2,752 |
Net loans and leases to core deposits | 82.0316% | 2,959 |
Total domestic deposits to total assets | 87.9396% | 2,078 |
Equity capital to assets | 11.6997% | 2,534 |
Core capital (leverage) ratio | 11.1877% | 2,219 |
Tier 1 risk-based capital ratio | 18.3227% | 2,224 |
Total risk-based capital ratio | 19.5823% | 2,192 |
Memoranda: | ||
Average total assets | $86,312,000 | 5,230 |
Average earning assets | $82,753,500 | 5,101 |
Average equity | $10,113,750 | 5,002 |
Average total loans | $61,808,250 | 4,693 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9711% | 305 |
Cost of funding earning assets | 0.8411% | 2,872 |
Net interest margin | 5.1300% | 323 |
Noninterest income to average assets | 0.8630% | 1,919 |
Noninterest expense to average assets | 2.9558% | 3,421 |
Loan and lease loss provision to assets | 0.6443% | 887 |
Net operating income to assets | 1.5155% | 965 |
Return on assets (ROA) | 1.5285% | 1,065 |
Pretax return on assets | 2.2010% | 482 |
Return on Equity (ROE) | 13.0369% | 1,356 |
Retained earnings to average equity (ytd only) | 7.9425% | 1,658 |
Net charge-offs to loans | -0.0292% | 6,518 |
Credit loss provision to net charge-offs | -3,044.4444% | 6,535 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.1183% | 6,574 |
Assets per employee ($millions) | 3.0580% | 5,933 |
Cash dividends to net income (ytd only)* | 39.0769% | 2,208 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0913% | 2,020 |
Loan loss allowance to noncurrent loans | 62.2714% | 4,539 |
Noncurrent assets plus other real estate owned to assets | 2.4515% | 2,276 |
Noncurrent loans to loans | 3.3584% | 1,729 |
Net loans and leases to total assets | 68.3123% | 2,231 |
Net loans and leases to deposits | 77.4076% | 2,769 |
Net loans and leases to core deposits | 82.6952% | 2,871 |
Total domestic deposits to total assets | 88.2500% | 1,985 |
Equity capital to assets | 11.4455% | 2,643 |
Core capital (leverage) ratio | 11.1431% | 2,167 |
Tier 1 risk-based capital ratio | 17.9793% | 2,295 |
Total risk-based capital ratio | 19.2438% | 2,262 |
Memoranda: | ||
Average total assets | $85,053,330 | 5,301 |
Average earning assets | $81,559,000 | 5,163 |
Average equity | $9,971,670 | 5,038 |
Average total loans | $61,590,330 | 4,724 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1019% | 266 |
Cost of funding earning assets | 0.8746% | 2,878 |
Net interest margin | 5.2273% | 285 |
Noninterest income to average assets | 1.5089% | 631 |
Noninterest expense to average assets | 3.0034% | 3,231 |
Loan and lease loss provision to assets | 1.3167% | 280 |
Net operating income to assets | 1.5160% | 993 |
Return on assets (ROA) | 1.5425% | 1,071 |
Pretax return on assets | 2.2249% | 517 |
Return on Equity (ROE) | 12.9927% | 1,404 |
Retained earnings to average equity (ytd only) | 12.9927% | 681 |
Net charge-offs to loans | 0.0846% | 3,658 |
Credit loss provision to net charge-offs | 2,107.6923% | 144 |
Earnings coverage of net charge-offs (x) | 56.0769% | 576 |
Efficiency ratio | 46.1595% | 6,892 |
Assets per employee ($millions) | 2.9687% | 6,218 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0885% | 2,131 |
Loan loss allowance to noncurrent loans | 57.1878% | 4,670 |
Noncurrent assets plus other real estate owned to assets | 2.7947% | 2,098 |
Noncurrent loans to loans | 3.6521% | 1,697 |
Net loans and leases to total assets | 71.7960% | 1,442 |
Net loans and leases to deposits | 81.9654% | 1,939 |
Net loans and leases to core deposits | 88.9497% | 1,958 |
Total domestic deposits to total assets | 87.5931% | 2,592 |
Equity capital to assets | 12.0412% | 2,009 |
Core capital (leverage) ratio | 11.5608% | 1,861 |
Tier 1 risk-based capital ratio | 18.4501% | 2,162 |
Total risk-based capital ratio | 19.6876% | 2,132 |
Memoranda: | ||
Average total assets | $83,239,500 | 5,378 |
Average earning assets | $79,581,500 | 5,252 |
Average equity | $9,882,500 | 5,068 |
Average total loans | $61,448,500 | 4,756 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3602% | 231 |
Cost of funding earning assets | 1.0280% | 3,173 |
Net interest margin | 5.3322% | 228 |
Noninterest income to average assets | 0.2921% | 5,446 |
Noninterest expense to average assets | 3.1799% | 2,939 |
Loan and lease loss provision to assets | 0.5791% | 1,786 |
Net operating income to assets | 1.1506% | 1,666 |
Return on assets (ROA) | 1.1506% | 1,777 |
Pretax return on assets | 1.6159% | 1,168 |
Return on Equity (ROE) | 9.6996% | 2,167 |
Retained earnings to average equity (ytd only) | 6.0969% | 1,961 |
Net charge-offs to loans | 0.2508% | 4,211 |
Credit loss provision to net charge-offs | 297.4026% | 794 |
Earnings coverage of net charge-offs (x) | 11.2727% | 1,736 |
Efficiency ratio | 59.1625% | 5,875 |
Assets per employee ($millions) | 2.9770% | 6,138 |
Cash dividends to net income (ytd only)* | 37.1429% | 2,756 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6337% | 3,451 |
Loan loss allowance to noncurrent loans | 45.0378% | 5,311 |
Noncurrent assets plus other real estate owned to assets | 3.0028% | 2,009 |
Noncurrent loans to loans | 3.6274% | 1,753 |
Net loans and leases to total assets | 73.0997% | 1,433 |
Net loans and leases to deposits | 83.4802% | 1,989 |
Net loans and leases to core deposits | 90.5515% | 2,044 |
Total domestic deposits to total assets | 87.5654% | 2,436 |
Equity capital to assets | 11.7040% | 2,339 |
Core capital (leverage) ratio | 11.5527% | 1,841 |
Tier 1 risk-based capital ratio | 17.8692% | 2,242 |
Total risk-based capital ratio | 19.1275% | 2,207 |
Memoranda: | ||
Average total assets | $79,091,400 | 5,477 |
Average earning assets | $75,391,200 | 5,362 |
Average equity | $9,381,800 | 5,188 |
Average total loans | $61,414,000 | 4,815 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4706% | 202 |
Cost of funding earning assets | 1.0674% | 3,193 |
Net interest margin | 5.4032% | 206 |
Noninterest income to average assets | 0.2973% | 5,481 |
Noninterest expense to average assets | 3.2040% | 2,821 |
Loan and lease loss provision to assets | 0.5776% | 1,702 |
Net operating income to assets | 1.1876% | 1,684 |
Return on assets (ROA) | 1.1876% | 1,802 |
Pretax return on assets | 1.6627% | 1,225 |
Return on Equity (ROE) | 9.9765% | 2,209 |
Retained earnings to average equity (ytd only) | 7.5506% | 1,690 |
Net charge-offs to loans | 0.1349% | 4,702 |
Credit loss provision to net charge-offs | 545.1613% | 503 |
Earnings coverage of net charge-offs (x) | 21.1464% | 1,194 |
Efficiency ratio | 58.8512% | 5,888 |
Assets per employee ($millions) | 2.8211% | 6,448 |
Cash dividends to net income (ytd only)* | 24.3169% | 2,753 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6054% | 3,638 |
Loan loss allowance to noncurrent loans | 40.9829% | 5,567 |
Noncurrent assets plus other real estate owned to assets | 3.3637% | 1,887 |
Noncurrent loans to loans | 3.9172% | 1,695 |
Net loans and leases to total assets | 76.3502% | 935 |
Net loans and leases to deposits | 87.7566% | 1,459 |
Net loans and leases to core deposits | 95.8488% | 1,620 |
Total domestic deposits to total assets | 87.0022% | 2,657 |
Equity capital to assets | 12.2775% | 2,035 |
Core capital (leverage) ratio | 11.7465% | 1,860 |
Tier 1 risk-based capital ratio | 17.9810% | 2,263 |
Total risk-based capital ratio | 19.2381% | 2,220 |
Memoranda: | ||
Average total assets | $78,025,250 | 5,552 |
Average earning assets | $74,324,250 | 5,434 |
Average equity | $9,288,250 | 5,236 |
Average total loans | $61,281,250 | 4,858 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4689% | 213 |
Cost of funding earning assets | 1.0755% | 3,421 |
Net interest margin | 5.3934% | 214 |
Noninterest income to average assets | 0.3011% | 5,479 |
Noninterest expense to average assets | 3.1710% | 3,002 |
Loan and lease loss provision to assets | 0.6769% | 1,424 |
Net operating income to assets | 1.1480% | 1,725 |
Return on assets (ROA) | 1.1480% | 1,805 |
Pretax return on assets | 1.6035% | 1,254 |
Return on Equity (ROE) | 9.7469% | 2,212 |
Retained earnings to average equity (ytd only) | 6.0535% | 2,392 |
Net charge-offs to loans | 0.1958% | 3,977 |
Credit loss provision to net charge-offs | 438.3333% | 691 |
Earnings coverage of net charge-offs (x) | 14.7667% | 1,459 |
Efficiency ratio | 58.1681% | 6,136 |
Assets per employee ($millions) | 2.7879% | 6,495 |
Cash dividends to net income (ytd only)* | 37.8924% | 2,164 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4877% | 4,189 |
Loan loss allowance to noncurrent loans | 34.7843% | 5,996 |
Noncurrent assets plus other real estate owned to assets | 3.4025% | 1,940 |
Noncurrent loans to loans | 4.2769% | 1,584 |
Net loans and leases to total assets | 77.2803% | 871 |
Net loans and leases to deposits | 88.1622% | 1,475 |
Net loans and leases to core deposits | 97.6322% | 1,529 |
Total domestic deposits to total assets | 87.6569% | 2,363 |
Equity capital to assets | 11.9703% | 2,113 |
Core capital (leverage) ratio | 11.4525% | 1,945 |
Tier 1 risk-based capital ratio | 17.2980% | 2,415 |
Total risk-based capital ratio | 18.5536% | 2,383 |
Memoranda: | ||
Average total assets | $77,703,670 | 5,604 |
Average earning assets | $74,201,330 | 5,487 |
Average equity | $9,151,670 | 5,282 |
Average total loans | $61,277,330 | 4,899 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4751% | 220 |
Cost of funding earning assets | 1.0720% | 3,708 |
Net interest margin | 5.4031% | 193 |
Noninterest income to average assets | 0.3302% | 5,264 |
Noninterest expense to average assets | 3.2247% | 2,799 |
Loan and lease loss provision to assets | 0.9700% | 801 |
Net operating income to assets | 0.9390% | 2,405 |
Return on assets (ROA) | 0.9390% | 2,467 |
Pretax return on assets | 1.2847% | 2,085 |
Return on Equity (ROE) | 8.0393% | 2,889 |
Retained earnings to average equity (ytd only) | 8.0393% | 1,713 |
Net charge-offs to loans | 0.2545% | 3,057 |
Credit loss provision to net charge-offs | 482.0513% | 741 |
Earnings coverage of net charge-offs (x) | 11.2051% | 1,571 |
Efficiency ratio | 58.8512% | 6,149 |
Assets per employee ($millions) | 2.8154% | 6,505 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3945% | 4,690 |
Loan loss allowance to noncurrent loans | 38.3102% | 5,739 |
Noncurrent assets plus other real estate owned to assets | 2.9036% | 2,381 |
Noncurrent loans to loans | 3.6399% | 2,036 |
Net loans and leases to total assets | 76.8723% | 891 |
Net loans and leases to deposits | 87.3514% | 1,541 |
Net loans and leases to core deposits | 96.5645% | 1,633 |
Total domestic deposits to total assets | 88.0036% | 2,369 |
Equity capital to assets | 11.6361% | 2,172 |
Core capital (leverage) ratio | 11.7329% | 1,716 |
Tier 1 risk-based capital ratio | 16.9367% | 2,505 |
Total risk-based capital ratio | 18.1922% | 2,477 |
Memoranda: | ||
Average total assets | $77,525,500 | 5,656 |
Average earning assets | $73,883,000 | 5,541 |
Average equity | $9,055,500 | 5,310 |
Average total loans | $61,298,000 | 4,944 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6225% | 269 |
Cost of funding earning assets | 1.2863% | 3,974 |
Net interest margin | 5.3363% | 225 |
Noninterest income to average assets | 0.2524% | 5,993 |
Noninterest expense to average assets | 3.2070% | 3,064 |
Loan and lease loss provision to assets | 0.9871% | 1,644 |
Net operating income to assets | 0.8273% | 2,682 |
Return on assets (ROA) | 0.8423% | 2,759 |
Pretax return on assets | 1.1212% | 2,502 |
Return on Equity (ROE) | 7.1954% | 3,025 |
Retained earnings to average equity (ytd only) | 5.2774% | 2,262 |
Net charge-offs to loans | 1.3904% | 1,604 |
Credit loss provision to net charge-offs | 88.4524% | 5,188 |
Earnings coverage of net charge-offs (x) | 1.8714% | 4,322 |
Efficiency ratio | 60.5620% | 5,958 |
Assets per employee ($millions) | 2.7221% | 6,648 |
Cash dividends to net income (ytd only)* | 26.6562% | 3,191 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1580% | 5,702 |
Loan loss allowance to noncurrent loans | 31.0799% | 6,223 |
Noncurrent assets plus other real estate owned to assets | 3.1514% | 2,247 |
Noncurrent loans to loans | 3.7259% | 1,989 |
Net loans and leases to total assets | 79.2860% | 759 |
Net loans and leases to deposits | 93.7249% | 1,084 |
Net loans and leases to core deposits | 103.5203% | 1,345 |
Total domestic deposits to total assets | 84.5944% | 4,060 |
Equity capital to assets | 11.7267% | 2,102 |
Core capital (leverage) ratio | 11.5957% | 1,786 |
Tier 1 risk-based capital ratio | 16.6950% | 2,459 |
Total risk-based capital ratio | 17.9468% | 2,426 |
Memoranda: | ||
Average total assets | $75,274,000 | 5,735 |
Average earning assets | $71,135,800 | 5,627 |
Average equity | $8,811,200 | 5,472 |
Average total loans | $60,412,200 | 5,052 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6159% | 279 |
Cost of funding earning assets | 1.3277% | 4,051 |
Net interest margin | 5.2882% | 248 |
Noninterest income to average assets | 0.2878% | 5,815 |
Noninterest expense to average assets | 3.1912% | 2,956 |
Loan and lease loss provision to assets | 1.0128% | 1,460 |
Net operating income to assets | 0.8113% | 2,953 |
Return on assets (ROA) | 0.8316% | 3,012 |
Pretax return on assets | 1.0999% | 2,824 |
Return on Equity (ROE) | 7.1072% | 3,297 |
Retained earnings to average equity (ytd only) | 7.1072% | 1,796 |
Net charge-offs to loans | 1.6204% | 1,215 |
Credit loss provision to net charge-offs | 77.8689% | 5,200 |
Earnings coverage of net charge-offs (x) | 1.6038% | 4,514 |
Efficiency ratio | 60.4714% | 5,878 |
Assets per employee ($millions) | 2.7820% | 6,623 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0444% | 6,196 |
Loan loss allowance to noncurrent loans | 25.8648% | 6,580 |
Noncurrent assets plus other real estate owned to assets | 3.4547% | 2,060 |
Noncurrent loans to loans | 4.0379% | 1,850 |
Net loans and leases to total assets | 78.2117% | 1,006 |
Net loans and leases to deposits | 88.9933% | 1,861 |
Net loans and leases to core deposits | 100.0460% | 1,848 |
Total domestic deposits to total assets | 87.8850% | 2,025 |
Equity capital to assets | 11.6683% | 2,386 |
Core capital (leverage) ratio | 11.4591% | 1,964 |
Tier 1 risk-based capital ratio | 16.7073% | 2,462 |
Total risk-based capital ratio | 17.9237% | 2,434 |
Memoranda: | ||
Average total assets | $75,037,750 | 5,805 |
Average earning assets | $70,797,250 | 5,712 |
Average equity | $8,779,500 | 5,561 |
Average total loans | $60,230,500 | 5,138 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6209% | 282 |
Cost of funding earning assets | 1.3437% | 4,227 |
Net interest margin | 5.2773% | 252 |
Noninterest income to average assets | 0.2862% | 5,856 |
Noninterest expense to average assets | 3.2530% | 2,719 |
Loan and lease loss provision to assets | 1.2148% | 1,152 |
Net operating income to assets | 0.6267% | 3,749 |
Return on assets (ROA) | 0.6587% | 3,744 |
Pretax return on assets | 0.8315% | 3,773 |
Return on Equity (ROE) | 5.6245% | 3,980 |
Retained earnings to average equity (ytd only) | 5.6245% | 2,543 |
Net charge-offs to loans | 2.2046% | 811 |
Credit loss provision to net charge-offs | 68.2853% | 5,011 |
Earnings coverage of net charge-offs (x) | 1.1275% | 4,661 |
Efficiency ratio | 61.8583% | 5,714 |
Assets per employee ($millions) | 2.6704% | 6,825 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9714% | 6,517 |
Loan loss allowance to noncurrent loans | 22.1068% | 6,841 |
Noncurrent assets plus other real estate owned to assets | 3.6926% | 1,897 |
Noncurrent loans to loans | 4.3942% | 1,671 |
Net loans and leases to total assets | 81.2574% | 634 |
Net loans and leases to deposits | 92.5088% | 1,456 |
Net loans and leases to core deposits | 104.4994% | 1,592 |
Total domestic deposits to total assets | 87.8375% | 2,087 |
Equity capital to assets | 11.7131% | 2,270 |
Core capital (leverage) ratio | 11.3565% | 2,010 |
Tier 1 risk-based capital ratio | 16.4639% | 2,484 |
Total risk-based capital ratio | 17.6039% | 2,477 |
Memoranda: | ||
Average total assets | $74,085,330 | 5,863 |
Average earning assets | $69,809,000 | 5,780 |
Average equity | $8,676,330 | 5,592 |
Average total loans | $59,785,330 | 5,187 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5754% | 317 |
Cost of funding earning assets | 1.3749% | 4,330 |
Net interest margin | 5.2005% | 287 |
Noninterest income to average assets | 0.2712% | 5,989 |
Noninterest expense to average assets | 3.3197% | 2,467 |
Loan and lease loss provision to assets | 0.4068% | 2,926 |
Net operating income to assets | 1.0634% | 1,950 |
Return on assets (ROA) | 1.1228% | 1,837 |
Pretax return on assets | 1.5296% | 1,442 |
Return on Equity (ROE) | 9.5883% | 2,250 |
Retained earnings to average equity (ytd only) | 9.5883% | 1,239 |
Net charge-offs to loans | 0.8746% | 1,807 |
Credit loss provision to net charge-offs | 58.1395% | 4,338 |
Earnings coverage of net charge-offs (x) | 2.6512% | 3,206 |
Efficiency ratio | 64.1509% | 5,465 |
Assets per employee ($millions) | 2.7742% | 6,709 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2557% | 5,179 |
Loan loss allowance to noncurrent loans | 22.3512% | 6,891 |
Noncurrent assets plus other real estate owned to assets | 4.5472% | 1,483 |
Noncurrent loans to loans | 5.6181% | 1,228 |
Net loans and leases to total assets | 78.8423% | 996 |
Net loans and leases to deposits | 89.6554% | 1,958 |
Net loans and leases to core deposits | 101.1891% | 2,009 |
Total domestic deposits to total assets | 87.9392% | 2,101 |
Equity capital to assets | 11.6643% | 2,256 |
Core capital (leverage) ratio | 11.6669% | 1,821 |
Tier 1 risk-based capital ratio | 15.7839% | 2,734 |
Total risk-based capital ratio | 17.0344% | 2,680 |
Memoranda: | ||
Average total assets | $73,742,500 | 5,947 |
Average earning assets | $69,531,500 | 5,860 |
Average equity | $8,635,500 | 5,652 |
Average total loans | $59,001,500 | 5,291 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5684% | 580 |
Cost of funding earning assets | 1.7461% | 4,269 |
Net interest margin | 4.8223% | 660 |
Noninterest income to average assets | 0.2635% | 6,232 |
Noninterest expense to average assets | 3.2434% | 3,215 |
Loan and lease loss provision to assets | 0.6143% | 3,339 |
Net operating income to assets | 0.7668% | 2,651 |
Return on assets (ROA) | 0.7668% | 2,744 |
Pretax return on assets | 0.9859% | 2,638 |
Return on Equity (ROE) | 6.5582% | 2,968 |
Retained earnings to average equity (ytd only) | 2.5497% | 3,366 |
Net charge-offs to loans | 0.4802% | 3,859 |
Credit loss provision to net charge-offs | 162.8676% | 2,698 |
Earnings coverage of net charge-offs (x) | 4.2426% | 3,013 |
Efficiency ratio | 66.9625% | 5,194 |
Assets per employee ($millions) | 2.5922% | 7,055 |
Cash dividends to net income (ytd only)* | 61.1212% | 1,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3833% | 4,317 |
Loan loss allowance to noncurrent loans | 22.8369% | 6,924 |
Noncurrent assets plus other real estate owned to assets | 4.9200% | 1,259 |
Noncurrent loans to loans | 6.0571% | 1,036 |
Net loans and leases to total assets | 79.0717% | 1,164 |
Net loans and leases to deposits | 90.1255% | 2,198 |
Net loans and leases to core deposits | 101.3707% | 3,865 |
Total domestic deposits to total assets | 87.7351% | 2,102 |
Equity capital to assets | 11.7579% | 2,161 |
Core capital (leverage) ratio | 11.1948% | 2,110 |
Tier 1 risk-based capital ratio | 16.7733% | 2,214 |
Total risk-based capital ratio | 18.0287% | 2,182 |
Memoranda: | ||
Average total assets | $72,116,600 | 5,940 |
Average earning assets | $68,494,400 | 5,852 |
Average equity | $8,432,200 | 5,787 |
Average total loans | $56,642,800 | 5,395 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5095% | 728 |
Cost of funding earning assets | 1.7702% | 4,527 |
Net interest margin | 4.7393% | 777 |
Noninterest income to average assets | 0.3130% | 5,976 |
Noninterest expense to average assets | 3.1332% | 3,523 |
Loan and lease loss provision to assets | 0.6815% | 2,695 |
Net operating income to assets | 0.7870% | 2,868 |
Return on assets (ROA) | 0.7870% | 2,930 |
Pretax return on assets | 1.0148% | 2,860 |
Return on Equity (ROE) | 6.7404% | 3,190 |
Retained earnings to average equity (ytd only) | 4.0601% | 3,007 |
Net charge-offs to loans | 0.5072% | 3,192 |
Credit loss provision to net charge-offs | 171.9626% | 2,699 |
Earnings coverage of net charge-offs (x) | 4.2803% | 3,190 |
Efficiency ratio | 64.8773% | 5,571 |
Assets per employee ($millions) | 2.7568% | 6,721 |
Cash dividends to net income (ytd only)* | 39.7653% | 2,447 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3700% | 4,112 |
Loan loss allowance to noncurrent loans | 20.8510% | 7,048 |
Noncurrent assets plus other real estate owned to assets | 5.1120% | 1,141 |
Noncurrent loans to loans | 6.5705% | 867 |
Net loans and leases to total assets | 76.3129% | 1,932 |
Net loans and leases to deposits | 86.9263% | 3,153 |
Net loans and leases to core deposits | 97.5745% | 4,656 |
Total domestic deposits to total assets | 87.7904% | 1,753 |
Equity capital to assets | 11.6884% | 2,444 |
Core capital (leverage) ratio | 11.2779% | 2,200 |
Tier 1 risk-based capital ratio | 16.9173% | 2,302 |
Total risk-based capital ratio | 18.1712% | 2,250 |
Memoranda: | ||
Average total assets | $72,000,500 | 5,979 |
Average earning assets | $68,615,750 | 5,896 |
Average equity | $8,406,750 | 5,849 |
Average total loans | $56,254,500 | 5,451 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6160% | 644 |
Cost of funding earning assets | 1.7947% | 4,786 |
Net interest margin | 4.8213% | 630 |
Noninterest income to average assets | 0.3062% | 6,065 |
Noninterest expense to average assets | 3.1016% | 3,692 |
Loan and lease loss provision to assets | 0.4860% | 3,102 |
Net operating income to assets | 0.9861% | 2,161 |
Return on assets (ROA) | 0.9861% | 2,257 |
Pretax return on assets | 1.3148% | 1,976 |
Return on Equity (ROE) | 8.4487% | 2,593 |
Retained earnings to average equity (ytd only) | 4.3808% | 2,863 |
Net charge-offs to loans | 0.2114% | 4,191 |
Credit loss provision to net charge-offs | 293.2203% | 1,593 |
Earnings coverage of net charge-offs (x) | 10.8644% | 1,953 |
Efficiency ratio | 63.2665% | 6,045 |
Assets per employee ($millions) | 2.7194% | 6,797 |
Cash dividends to net income (ytd only)* | 48.1481% | 2,120 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3260% | 4,119 |
Loan loss allowance to noncurrent loans | 19.9573% | 7,128 |
Noncurrent assets plus other real estate owned to assets | 5.1333% | 1,013 |
Noncurrent loans to loans | 6.6443% | 776 |
Net loans and leases to total assets | 75.8087% | 2,223 |
Net loans and leases to deposits | 86.1946% | 3,518 |
Net loans and leases to core deposits | 96.9957% | 4,791 |
Total domestic deposits to total assets | 87.9506% | 1,798 |
Equity capital to assets | 11.5073% | 2,536 |
Core capital (leverage) ratio | 11.3873% | 2,138 |
Tier 1 risk-based capital ratio | 17.1113% | 2,270 |
Total risk-based capital ratio | 18.3661% | 2,211 |
Memoranda: | ||
Average total assets | $71,189,670 | 6,053 |
Average earning assets | $67,866,000 | 5,953 |
Average equity | $8,309,000 | 5,913 |
Average total loans | $55,809,000 | 5,514 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7155% | 566 |
Cost of funding earning assets | 1.8331% | 4,956 |
Net interest margin | 4.8824% | 523 |
Noninterest income to average assets | 0.2626% | 6,356 |
Noninterest expense to average assets | 3.0197% | 3,678 |
Loan and lease loss provision to assets | 0.5480% | 2,279 |
Net operating income to assets | 1.0161% | 2,242 |
Return on assets (ROA) | 1.0161% | 2,384 |
Pretax return on assets | 1.3472% | 2,128 |
Return on Equity (ROE) | 8.6418% | 2,866 |
Retained earnings to average equity (ytd only) | 8.6418% | 1,582 |
Net charge-offs to loans | 0.1802% | 3,559 |
Credit loss provision to net charge-offs | 384.0000% | 1,344 |
Earnings coverage of net charge-offs (x) | 13.2800% | 1,742 |
Efficiency ratio | 61.4402% | 6,168 |
Assets per employee ($millions) | 2.6299% | 7,028 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2665% | 4,299 |
Loan loss allowance to noncurrent loans | 23.4609% | 6,988 |
Noncurrent assets plus other real estate owned to assets | 4.2616% | 1,166 |
Noncurrent loans to loans | 5.3982% | 977 |
Net loans and leases to total assets | 77.4036% | 1,951 |
Net loans and leases to deposits | 88.2201% | 3,252 |
Net loans and leases to core deposits | 98.4418% | 4,701 |
Total domestic deposits to total assets | 87.7392% | 1,866 |
Equity capital to assets | 11.7284% | 2,425 |
Core capital (leverage) ratio | 11.8540% | 1,971 |
Tier 1 risk-based capital ratio | 17.2805% | 2,249 |
Total risk-based capital ratio | 18.5338% | 2,196 |
Memoranda: | ||
Average total assets | $70,073,000 | 6,114 |
Average earning assets | $66,770,500 | 6,011 |
Average equity | $8,239,000 | 5,973 |
Average total loans | $55,509,000 | 5,563 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8670% | 1,497 |
Cost of funding earning assets | 1.8684% | 6,830 |
Net interest margin | 4.9987% | 511 |
Noninterest income to average assets | 0.4254% | 5,259 |
Noninterest expense to average assets | 3.2060% | 3,315 |
Loan and lease loss provision to assets | 0.5869% | 2,475 |
Net operating income to assets | 1.0449% | 2,382 |
Return on assets (ROA) | 1.0449% | 2,273 |
Pretax return on assets | 1.3678% | 2,063 |
Return on Equity (ROE) | 8.4921% | 2,846 |
Retained earnings to average equity (ytd only) | 5.8044% | 1,618 |
Net charge-offs to loans | 0.3792% | 2,942 |
Credit loss provision to net charge-offs | 204.3243% | 2,379 |
Earnings coverage of net charge-offs (x) | 6.8054% | 3,265 |
Efficiency ratio | 62.1239% | 5,929 |
Assets per employee ($millions) | 2.5607% | 7,086 |
Cash dividends to net income (ytd only)* | 31.6493% | 4,046 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1454% | 4,955 |
Loan loss allowance to noncurrent loans | 36.2908% | 6,314 |
Noncurrent assets plus other real estate owned to assets | 2.5572% | 1,892 |
Noncurrent loans to loans | 3.1562% | 1,676 |
Net loans and leases to total assets | 79.1406% | 1,848 |
Net loans and leases to deposits | 90.3010% | 3,404 |
Net loans and leases to core deposits | 100.5384% | 4,772 |
Total domestic deposits to total assets | 87.6408% | 1,643 |
Equity capital to assets | 11.7878% | 2,443 |
Core capital (leverage) ratio | 11.7359% | 2,106 |
Tier 1 risk-based capital ratio | 17.1103% | 2,275 |
Total risk-based capital ratio | 18.3616% | 2,225 |
Memoranda: | ||
Average total assets | $64,409,800 | 6,214 |
Average earning assets | $61,016,200 | 6,132 |
Average equity | $7,925,000 | 6,115 |
Average total loans | $48,790,000 | 5,747 |