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Merchants Bank of Commerce, Performance and Condition Ratios

2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4133%3,061
Cost of funding earning assets0.1319%4,253
Net interest margin3.2814%2,472
Noninterest income to average assets0.2246%4,059
Noninterest expense to average assets1.8961%3,952
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.1397%2,404
Return on assets (ROA)1.1492%2,430
Pretax return on assets1.4333%2,202
Return on Equity (ROE)10.9020%2,399
Retained earnings to average equity (ytd only)5.4757%3,050
Net charge-offs to loans-0.0343%4,196
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9181%3,541
Assets per employee ($millions)10.4885%558
Cash dividends to net income (ytd only)*49.7729%1,207
Condition Ratios (%)
Loss allowance to loans1.6070%1,324
Loan loss allowance to noncurrent loans564.1732%1,248
Noncurrent assets plus other real estate owned to assets0.1562%3,078
Noncurrent loans to loans0.2848%2,773
Net loans and leases to total assets53.9695%2,972
Net loans and leases to deposits60.5441%3,184
Net loans and leases to core deposits62.7148%3,245
Total domestic deposits to total assets89.1407%1,202
Equity capital to assets10.0926%2,811
Core capital (leverage) ratio9.4170%3,099
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6212%1,754
Memoranda:
Average total assets$1,864,790,250578
Average earning assets$1,757,727,250562
Average equity$196,571,500557
Average total loans$1,111,851,500608
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4908%2,917
Cost of funding earning assets0.1409%4,271
Net interest margin3.3500%2,300
Noninterest income to average assets0.2318%4,014
Noninterest expense to average assets1.8453%4,083
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.1686%2,302
Return on assets (ROA)1.1747%2,346
Pretax return on assets1.5495%1,875
Return on Equity (ROE)10.9781%2,429
Retained earnings to average equity (ytd only)8.4331%1,920
Net charge-offs to loans-0.0505%4,379
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2497%3,894
Assets per employee ($millions)9.7781%653
Cash dividends to net income (ytd only)*23.1825%2,374
Condition Ratios (%)
Loss allowance to loans1.5756%1,342
Loan loss allowance to noncurrent loans450.9310%1,376
Noncurrent assets plus other real estate owned to assets0.1990%2,951
Noncurrent loans to loans0.3494%2,655
Net loans and leases to total assets56.0450%2,896
Net loans and leases to deposits63.1659%3,086
Net loans and leases to core deposits65.5679%3,150
Total domestic deposits to total assets88.7266%1,431
Equity capital to assets10.4442%2,443
Core capital (leverage) ratio9.8030%2,594
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7368%1,711
Memoranda:
Average total assets$1,836,101,333580
Average earning assets$1,729,384,333564
Average equity$196,464,667553
Average total loans$1,125,781,000604
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6305%2,545
Cost of funding earning assets0.1513%4,294
Net interest margin3.4792%1,886
Noninterest income to average assets0.2497%3,904
Noninterest expense to average assets1.9364%3,895
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.1930%2,176
Return on assets (ROA)1.1943%2,244
Pretax return on assets1.5872%1,767
Return on Equity (ROE)11.0207%2,361
Retained earnings to average equity (ytd only)8.9654%1,959
Net charge-offs to loans-0.0409%4,316
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.7722%3,810
Assets per employee ($millions)9.3290%742
Cash dividends to net income (ytd only)*18.6498%2,046
Condition Ratios (%)
Loss allowance to loans1.4857%1,657
Loan loss allowance to noncurrent loans433.9195%1,307
Noncurrent assets plus other real estate owned to assets0.2146%3,079
Noncurrent loans to loans0.3424%2,874
Net loans and leases to total assets61.7486%2,313
Net loans and leases to deposits69.7789%2,531
Net loans and leases to core deposits72.3036%2,676
Total domestic deposits to total assets88.4918%1,611
Equity capital to assets10.6350%2,142
Core capital (leverage) ratio10.0273%2,512
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6647%1,685
Memoranda:
Average total assets$1,795,902,000581
Average earning assets$1,689,140,000566
Average equity$194,615,500546
Average total loans$1,143,023,500598
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9779%2,797
Cost of funding earning assets0.2399%4,425
Net interest margin3.7380%1,679
Noninterest income to average assets0.2113%4,221
Noninterest expense to average assets2.1026%3,931
Loan and lease loss provision to assets0.3222%1,137
Net operating income to assets0.9645%2,421
Return on assets (ROA)0.9879%2,479
Pretax return on assets1.3019%1,972
Return on Equity (ROE)8.5225%2,591
Retained earnings to average equity (ytd only)0.5798%4,349
Net charge-offs to loans0.0506%2,068
Credit loss provision to net charge-offs919.4396%822
Earnings coverage of net charge-offs (x)45.4974%1,282
Efficiency ratio55.6004%4,031
Assets per employee ($millions)8.5598%874
Cash dividends to net income (ytd only)*93.1966%365
Condition Ratios (%)
Loss allowance to loans1.4834%1,644
Loan loss allowance to noncurrent loans241.1236%2,037
Noncurrent assets plus other real estate owned to assets0.3982%2,396
Noncurrent loans to loans0.6152%2,161
Net loans and leases to total assets63.6893%2,407
Net loans and leases to deposits72.6124%2,625
Net loans and leases to core deposits75.4143%2,782
Total domestic deposits to total assets87.7113%1,607
Equity capital to assets11.0457%2,215
Core capital (leverage) ratio9.8589%2,731
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8293%1,590
Memoranda:
Average total assets$1,629,292,400575
Average earning assets$1,519,380,200566
Average equity$188,853,600533
Average total loans$1,127,833,000571
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0250%2,901
Cost of funding earning assets0.2611%4,468
Net interest margin3.7639%1,726
Noninterest income to average assets0.2062%4,237
Noninterest expense to average assets2.1650%3,766
Loan and lease loss provision to assets0.4387%748
Net operating income to assets0.8503%2,907
Return on assets (ROA)0.8821%2,893
Pretax return on assets1.1453%2,580
Return on Equity (ROE)7.5128%3,007
Retained earnings to average equity (ytd only)-2.4492%4,736
Net charge-offs to loans0.0721%1,593
Credit loss provision to net charge-offs863.4868%926
Earnings coverage of net charge-offs (x)30.3882%1,565
Efficiency ratio57.0830%3,787
Assets per employee ($millions)8.4842%848
Cash dividends to net income (ytd only)*132.6009%130
Condition Ratios (%)
Loss allowance to loans1.4002%1,738
Loan loss allowance to noncurrent loans208.3601%2,137
Noncurrent assets plus other real estate owned to assets0.4661%2,326
Noncurrent loans to loans0.6720%2,104
Net loans and leases to total assets68.3135%2,193
Net loans and leases to deposits78.0410%2,529
Net loans and leases to core deposits81.2936%2,727
Total domestic deposits to total assets87.5353%1,424
Equity capital to assets10.9215%2,452
Core capital (leverage) ratio9.9945%2,731
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2585%1,744
Memoranda:
Average total assets$1,595,783,500571
Average earning assets$1,484,964,750562
Average equity$187,374,000529
Average total loans$1,124,801,000566
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1075%3,033
Cost of funding earning assets0.2860%4,521
Net interest margin3.8215%1,771
Noninterest income to average assets0.2048%4,253
Noninterest expense to average assets2.2852%3,559
Loan and lease loss provision to assets0.5362%633
Net operating income to assets0.7228%3,311
Return on assets (ROA)0.7456%3,340
Pretax return on assets0.9588%3,155
Return on Equity (ROE)6.1883%3,444
Retained earnings to average equity (ytd only)-7.7517%4,871
Net charge-offs to loans0.0532%1,729
Credit loss provision to net charge-offs1,421.2329%622
Earnings coverage of net charge-offs (x)38.8596%1,268
Efficiency ratio59.5991%3,467
Assets per employee ($millions)8.3475%855
Cash dividends to net income (ytd only)*225.2643%75
Condition Ratios (%)
Loss allowance to loans1.3355%1,851
Loan loss allowance to noncurrent loans241.1782%1,859
Noncurrent assets plus other real estate owned to assets0.3903%2,730
Noncurrent loans to loans0.5537%2,504
Net loans and leases to total assets69.4613%2,116
Net loans and leases to deposits79.3104%2,510
Net loans and leases to core deposits82.4883%2,734
Total domestic deposits to total assets87.5816%1,384
Equity capital to assets10.8617%2,452
Core capital (leverage) ratio10.2148%2,620
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9749%1,832
Memoranda:
Average total assets$1,547,955,000575
Average earning assets$1,436,557,667565
Average equity$186,514,000533
Average total loans$1,098,058,667571
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2648%3,021
Cost of funding earning assets0.3197%4,599
Net interest margin3.9451%1,543
Noninterest income to average assets0.2021%4,340
Noninterest expense to average assets2.6215%2,920
Loan and lease loss provision to assets0.7775%318
Net operating income to assets0.3696%4,194
Return on assets (ROA)0.3882%4,198
Pretax return on assets0.4779%4,152
Return on Equity (ROE)3.0465%4,209
Retained earnings to average equity (ytd only)-14.0808%4,877
Net charge-offs to loans0.0054%2,383
Credit loss provision to net charge-offs20,357.1429%33
Earnings coverage of net charge-offs (x)322.7143%216
Efficiency ratio66.6690%2,866
Assets per employee ($millions)6.9937%1,092
Cash dividends to net income (ytd only)*562.1926%41
Condition Ratios (%)
Loss allowance to loans1.4290%1,591
Loan loss allowance to noncurrent loans287.2641%1,576
Noncurrent assets plus other real estate owned to assets0.3611%2,997
Noncurrent loans to loans0.4975%2,773
Net loans and leases to total assets71.4457%2,009
Net loans and leases to deposits83.5987%2,276
Net loans and leases to core deposits88.1433%2,510
Total domestic deposits to total assets85.4627%2,223
Equity capital to assets12.7323%1,603
Core capital (leverage) ratio11.4506%2,109
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9062%1,939
Memoranda:
Average total assets$1,466,313,500577
Average earning assets$1,357,346,500569
Average equity$186,836,500526
Average total loans$1,044,719,500575
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5322%2,837
Cost of funding earning assets0.3619%4,566
Net interest margin4.1703%1,374
Noninterest income to average assets0.2619%4,112
Noninterest expense to average assets2.5363%3,354
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.1989%2,062
Return on assets (ROA)1.2092%2,114
Pretax return on assets1.5930%1,506
Return on Equity (ROE)9.7849%2,400
Retained earnings to average equity (ytd only)2.7296%3,674
Net charge-offs to loans0.0060%3,464
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)371.3607%240
Efficiency ratio60.3955%3,633
Assets per employee ($millions)6.9063%1,080
Cash dividends to net income (ytd only)*72.1043%1,051
Condition Ratios (%)
Loss allowance to loans1.1818%2,537
Loan loss allowance to noncurrent loans217.8063%1,962
Noncurrent assets plus other real estate owned to assets0.3824%2,882
Noncurrent loans to loans0.5426%2,545
Net loans and leases to total assets69.2063%2,515
Net loans and leases to deposits80.3492%2,735
Net loans and leases to core deposits84.9552%2,874
Total domestic deposits to total assets86.1320%2,019
Equity capital to assets12.7514%1,673
Core capital (leverage) ratio11.5802%2,050
Tier 1 risk-based capital ratio14.3851%3,075
Total risk-based capital ratio15.4752%3,070
Memoranda:
Average total assets$1,433,682,400571
Average earning assets$1,325,112,200565
Average equity$177,171,400523
Average total loans$1,018,726,400564
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5771%2,803
Cost of funding earning assets0.3634%4,621
Net interest margin4.2137%1,348
Noninterest income to average assets0.2677%4,138
Noninterest expense to average assets2.6365%3,054
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.1560%2,338
Return on assets (ROA)1.1662%2,400
Pretax return on assets1.5371%1,845
Return on Equity (ROE)9.5155%2,664
Retained earnings to average equity (ytd only)3.7801%3,506
Net charge-offs to loans0.0009%3,425
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)2,324.2004%29
Efficiency ratio62.1737%3,302
Assets per employee ($millions)7.0418%1,010
Cash dividends to net income (ytd only)*60.2749%1,275
Condition Ratios (%)
Loss allowance to loans1.1869%2,575
Loan loss allowance to noncurrent loans96.0066%3,397
Noncurrent assets plus other real estate owned to assets0.8734%1,567
Noncurrent loans to loans1.2363%1,261
Net loans and leases to total assets69.4947%2,552
Net loans and leases to deposits80.7544%2,825
Net loans and leases to core deposits85.5523%2,947
Total domestic deposits to total assets86.0569%1,974
Equity capital to assets12.7872%1,739
Core capital (leverage) ratio11.7367%2,052
Tier 1 risk-based capital ratio14.2504%3,199
Total risk-based capital ratio15.3435%3,190
Memoranda:
Average total assets$1,422,616,250578
Average earning assets$1,314,378,000571
Average equity$174,349,500532
Average total loans$1,014,641,750567
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5762%2,749
Cost of funding earning assets0.3674%4,628
Net interest margin4.2087%1,340
Noninterest income to average assets0.2732%4,109
Noninterest expense to average assets2.8486%2,418
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.0165%2,855
Return on assets (ROA)1.0305%2,883
Pretax return on assets1.3395%2,415
Return on Equity (ROE)8.5380%3,049
Retained earnings to average equity (ytd only)2.6465%3,878
Net charge-offs to loans-0.0304%4,686
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.1578%2,664
Assets per employee ($millions)6.8632%1,062
Cash dividends to net income (ytd only)*69.0036%1,136
Condition Ratios (%)
Loss allowance to loans1.1981%2,532
Loan loss allowance to noncurrent loans92.1033%3,453
Noncurrent assets plus other real estate owned to assets0.9375%1,480
Noncurrent loans to loans1.3008%1,211
Net loans and leases to total assets71.2073%2,342
Net loans and leases to deposits82.8540%2,636
Net loans and leases to core deposits88.0110%2,794
Total domestic deposits to total assets85.9432%2,062
Equity capital to assets12.8671%1,654
Core capital (leverage) ratio11.6115%2,086
Tier 1 risk-based capital ratio14.0700%3,281
Total risk-based capital ratio15.1719%3,266
Memoranda:
Average total assets$1,406,244,000582
Average earning assets$1,302,098,330575
Average equity$169,734,670542
Average total loans$1,007,835,000570
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5191%2,804
Cost of funding earning assets0.3328%4,735
Net interest margin4.1863%1,327
Noninterest income to average assets0.2624%4,131
Noninterest expense to average assets3.0687%1,809
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.8406%3,480
Return on assets (ROA)0.8615%3,449
Pretax return on assets1.1011%3,146
Return on Equity (ROE)7.3908%3,508
Retained earnings to average equity (ytd only)1.2133%4,272
Net charge-offs to loans0.0202%2,049
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)74.6200%806
Efficiency ratio73.0483%1,878
Assets per employee ($millions)6.8727%1,054
Cash dividends to net income (ytd only)*83.5841%870
Condition Ratios (%)
Loss allowance to loans1.1810%2,686
Loan loss allowance to noncurrent loans84.2243%3,620
Noncurrent assets plus other real estate owned to assets0.9906%1,412
Noncurrent loans to loans1.4022%1,151
Net loans and leases to total assets69.6477%2,538
Net loans and leases to deposits81.7493%2,637
Net loans and leases to core deposits86.9879%2,780
Total domestic deposits to total assets85.1966%2,601
Equity capital to assets12.2845%1,852
Core capital (leverage) ratio11.6598%2,018
Tier 1 risk-based capital ratio13.9824%3,342
Total risk-based capital ratio15.0733%3,354
Memoranda:
Average total assets$1,388,735,000589
Average earning assets$1,287,436,000582
Average equity$161,877,500563
Average total loans$992,388,000579
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4439%2,620
Cost of funding earning assets0.3088%4,526
Net interest margin4.1351%1,571
Noninterest income to average assets0.2900%4,164
Noninterest expense to average assets2.3908%3,905
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.4704%1,203
Return on assets (ROA)1.4733%1,185
Pretax return on assets1.7559%1,037
Return on Equity (ROE)13.9784%1,045
Retained earnings to average equity (ytd only)11.0225%435
Net charge-offs to loans-0.0399%4,898
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.2871%4,246
Assets per employee ($millions)6.6330%1,151
Cash dividends to net income (ytd only)*21.1461%3,435
Condition Ratios (%)
Loss allowance to loans1.2964%2,057
Loan loss allowance to noncurrent loans296.4785%1,655
Noncurrent assets plus other real estate owned to assets0.3197%3,273
Noncurrent loans to loans0.4373%2,968
Net loans and leases to total assets71.6220%2,325
Net loans and leases to deposits81.3007%2,816
Net loans and leases to core deposits85.4480%2,960
Total domestic deposits to total assets88.0951%1,255
Equity capital to assets10.9496%2,730
Core capital (leverage) ratio10.8165%2,721
Tier 1 risk-based capital ratio13.2324%3,702
Total risk-based capital ratio14.4238%3,629
Memoranda:
Average total assets$1,283,939,200611
Average earning assets$1,196,430,400597
Average equity$135,322,800641
Average total loans$919,934,600597
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3893%2,665
Cost of funding earning assets0.3123%4,430
Net interest margin4.0770%1,703
Noninterest income to average assets0.2852%4,248
Noninterest expense to average assets2.3774%3,906
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.3217%1,775
Return on assets (ROA)1.3251%1,770
Pretax return on assets1.7121%1,251
Return on Equity (ROE)12.6989%1,539
Retained earnings to average equity (ytd only)11.1995%606
Net charge-offs to loans-0.0682%5,045
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7710%4,159
Assets per employee ($millions)6.7483%1,050
Cash dividends to net income (ytd only)*11.8073%3,323
Condition Ratios (%)
Loss allowance to loans1.3336%1,945
Loan loss allowance to noncurrent loans333.3871%1,534
Noncurrent assets plus other real estate owned to assets0.2928%3,516
Noncurrent loans to loans0.4000%3,219
Net loans and leases to total assets69.6733%2,696
Net loans and leases to deposits78.7299%3,169
Net loans and leases to core deposits82.9090%3,255
Total domestic deposits to total assets88.4966%1,048
Equity capital to assets10.5038%3,140
Core capital (leverage) ratio10.7759%2,820
Tier 1 risk-based capital ratio13.1388%3,822
Total risk-based capital ratio14.3632%3,749
Memoranda:
Average total assets$1,278,248,500612
Average earning assets$1,191,416,250599
Average equity$133,384,000645
Average total loans$912,873,750600
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3551%2,564
Cost of funding earning assets0.3146%4,318
Net interest margin4.0405%1,724
Noninterest income to average assets0.2909%4,236
Noninterest expense to average assets2.4268%3,835
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.2672%1,908
Return on assets (ROA)1.2722%1,892
Pretax return on assets1.6366%1,389
Return on Equity (ROE)12.2196%1,651
Retained earnings to average equity (ytd only)9.9430%942
Net charge-offs to loans-0.1020%5,165
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.3846%4,027
Assets per employee ($millions)6.5759%1,139
Cash dividends to net income (ytd only)*18.6312%3,037
Condition Ratios (%)
Loss allowance to loans1.3199%2,072
Loan loss allowance to noncurrent loans292.7221%1,674
Noncurrent assets plus other real estate owned to assets0.3409%3,385
Noncurrent loans to loans0.4509%3,084
Net loans and leases to total assets72.2285%2,237
Net loans and leases to deposits86.0604%2,299
Net loans and leases to core deposits90.9932%2,485
Total domestic deposits to total assets83.9277%3,098
Equity capital to assets10.4603%3,164
Core capital (leverage) ratio10.6011%2,922
Tier 1 risk-based capital ratio12.5148%4,175
Total risk-based capital ratio13.7218%4,099
Memoranda:
Average total assets$1,265,691,330618
Average earning assets$1,179,755,670608
Average equity$131,771,670650
Average total loans$907,419,330604
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2925%2,548
Cost of funding earning assets0.2799%4,508
Net interest margin4.0127%1,688
Noninterest income to average assets0.2924%4,209
Noninterest expense to average assets2.5033%3,633
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.2059%1,976
Return on assets (ROA)1.2152%1,952
Pretax return on assets1.5502%1,524
Return on Equity (ROE)11.7007%1,684
Retained earnings to average equity (ytd only)7.1062%2,231
Net charge-offs to loans-0.1659%5,335
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5033%3,871
Assets per employee ($millions)6.5190%1,189
Cash dividends to net income (ytd only)*39.2670%1,858
Condition Ratios (%)
Loss allowance to loans1.3629%1,977
Loan loss allowance to noncurrent loans291.6271%1,678
Noncurrent assets plus other real estate owned to assets0.3434%3,465
Noncurrent loans to loans0.4673%3,129
Net loans and leases to total assets71.4655%2,254
Net loans and leases to deposits82.9622%2,505
Net loans and leases to core deposits92.8492%2,227
Total domestic deposits to total assets86.1423%2,481
Equity capital to assets10.4828%3,091
Core capital (leverage) ratio10.5143%2,928
Tier 1 risk-based capital ratio12.6217%4,163
Total risk-based capital ratio13.8704%4,067
Memoranda:
Average total assets$1,257,384,000630
Average earning assets$1,174,873,500615
Average equity$130,591,000658
Average total loans$891,839,500619
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1614%2,834
Cost of funding earning assets0.2820%4,297
Net interest margin3.8793%2,156
Noninterest income to average assets0.3755%3,786
Noninterest expense to average assets2.5292%3,682
Loan and lease loss provision to assets0.0792%2,611
Net operating income to assets0.7878%3,216
Return on assets (ROA)0.7951%3,229
Pretax return on assets1.3725%2,079
Return on Equity (ROE)7.4989%3,036
Retained earnings to average equity (ytd only)5.7696%1,672
Net charge-offs to loans0.0687%2,474
Credit loss provision to net charge-offs166.9596%1,605
Earnings coverage of net charge-offs (x)30.3708%1,535
Efficiency ratio63.2527%3,725
Assets per employee ($millions)6.7177%1,094
Cash dividends to net income (ytd only)*23.0608%3,568
Condition Ratios (%)
Loss allowance to loans1.3527%1,957
Loan loss allowance to noncurrent loans205.6389%2,242
Noncurrent assets plus other real estate owned to assets0.4595%3,029
Noncurrent loans to loans0.6578%2,567
Net loans and leases to total assets68.4935%2,752
Net loans and leases to deposits77.1818%3,209
Net loans and leases to core deposits86.8003%2,847
Total domestic deposits to total assets88.7431%1,120
Equity capital to assets10.2910%3,393
Core capital (leverage) ratio10.3335%3,038
Tier 1 risk-based capital ratio12.5842%4,156
Total risk-based capital ratio13.8140%4,065
Memoranda:
Average total assets$1,199,879,800628
Average earning assets$1,111,605,800619
Average equity$127,219,400647
Average total loans$828,458,600630
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1643%2,737
Cost of funding earning assets0.2828%4,290
Net interest margin3.8815%2,102
Noninterest income to average assets0.3667%3,903
Noninterest expense to average assets2.5481%3,575
Loan and lease loss provision to assets0.0564%2,963
Net operating income to assets1.0013%2,546
Return on assets (ROA)1.0129%2,543
Pretax return on assets1.3653%2,233
Return on Equity (ROE)9.4785%2,359
Retained earnings to average equity (ytd only)7.1572%1,608
Net charge-offs to loans0.0576%2,310
Credit loss provision to net charge-offs142.0455%1,759
Earnings coverage of net charge-offs (x)35.4234%1,413
Efficiency ratio63.9690%3,546
Assets per employee ($millions)6.4866%1,188
Cash dividends to net income (ytd only)*24.4907%2,965
Condition Ratios (%)
Loss allowance to loans1.4144%1,834
Loan loss allowance to noncurrent loans153.7410%2,732
Noncurrent assets plus other real estate owned to assets0.6738%2,475
Noncurrent loans to loans0.9200%2,083
Net loans and leases to total assets66.1240%3,088
Net loans and leases to deposits74.8673%3,488
Net loans and leases to core deposits83.8854%3,134
Total domestic deposits to total assets88.3216%1,205
Equity capital to assets10.6100%3,255
Core capital (leverage) ratio10.4945%2,992
Tier 1 risk-based capital ratio12.8749%4,099
Total risk-based capital ratio14.1227%3,998
Memoranda:
Average total assets$1,182,440,250636
Average earning assets$1,092,859,750626
Average equity$126,359,750655
Average total loans$815,187,000647
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1437%2,696
Cost of funding earning assets0.2794%4,299
Net interest margin3.8643%2,044
Noninterest income to average assets0.3853%3,790
Noninterest expense to average assets2.6329%3,329
Loan and lease loss provision to assets0.0858%2,271
Net operating income to assets0.9455%2,688
Return on assets (ROA)0.9589%2,674
Pretax return on assets1.2502%2,577
Return on Equity (ROE)8.9502%2,533
Retained earnings to average equity (ytd only)5.4271%2,458
Net charge-offs to loans0.0878%1,733
Credit loss provision to net charge-offs140.4494%1,590
Earnings coverage of net charge-offs (x)21.5899%1,746
Efficiency ratio66.1486%3,325
Assets per employee ($millions)6.4522%1,186
Cash dividends to net income (ytd only)*39.3630%2,351
Condition Ratios (%)
Loss allowance to loans1.4307%1,812
Loan loss allowance to noncurrent loans127.6819%3,096
Noncurrent assets plus other real estate owned to assets0.8797%2,016
Noncurrent loans to loans1.1205%1,752
Net loans and leases to total assets66.3831%3,048
Net loans and leases to deposits75.0140%3,448
Net loans and leases to core deposits84.0478%3,063
Total domestic deposits to total assets88.4943%1,206
Equity capital to assets10.4971%3,346
Core capital (leverage) ratio10.6424%2,766
Tier 1 risk-based capital ratio12.6644%4,200
Total risk-based capital ratio13.9147%4,119
Memoranda:
Average total assets$1,165,767,000642
Average earning assets$1,075,854,000634
Average equity$124,891,670665
Average total loans$811,368,000651
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1432%2,502
Cost of funding earning assets0.2748%4,307
Net interest margin3.8685%1,893
Noninterest income to average assets0.4696%3,191
Noninterest expense to average assets2.7517%2,945
Loan and lease loss provision to assets0.0700%2,408
Net operating income to assets0.9556%2,502
Return on assets (ROA)0.9736%2,474
Pretax return on assets1.2408%2,447
Return on Equity (ROE)8.9916%2,429
Retained earnings to average equity (ytd only)5.4337%2,642
Net charge-offs to loans0.0510%1,840
Credit loss provision to net charge-offs194.1748%1,027
Earnings coverage of net charge-offs (x)35.6990%1,116
Efficiency ratio67.6435%3,260
Assets per employee ($millions)5.9528%1,540
Cash dividends to net income (ytd only)*39.5683%2,016
Condition Ratios (%)
Loss allowance to loans1.4343%1,927
Loan loss allowance to noncurrent loans116.4449%3,338
Noncurrent assets plus other real estate owned to assets0.9459%1,943
Noncurrent loans to loans1.2317%1,642
Net loans and leases to total assets69.9947%2,379
Net loans and leases to deposits79.5744%2,804
Net loans and leases to core deposits89.5733%2,390
Total domestic deposits to total assets87.9613%1,740
Equity capital to assets10.9048%2,740
Core capital (leverage) ratio10.6707%2,717
Tier 1 risk-based capital ratio12.5889%4,331
Total risk-based capital ratio13.8392%4,242
Memoranda:
Average total assets$1,142,140,000661
Average earning assets$1,053,962,000647
Average equity$123,671,500666
Average total loans$808,587,500656
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1651%2,610
Cost of funding earning assets0.3370%3,669
Net interest margin3.8282%2,218
Noninterest income to average assets0.2953%4,628
Noninterest expense to average assets2.9982%2,362
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.6526%3,986
Return on assets (ROA)0.6704%4,022
Pretax return on assets0.8510%4,010
Return on Equity (ROE)5.9878%3,989
Retained earnings to average equity (ytd only)2.5266%4,078
Net charge-offs to loans-0.0481%5,386
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.9034%1,705
Assets per employee ($millions)5.9756%1,502
Cash dividends to net income (ytd only)*57.8035%1,888
Condition Ratios (%)
Loss allowance to loans1.4331%1,946
Loan loss allowance to noncurrent loans101.3877%3,601
Noncurrent assets plus other real estate owned to assets1.0641%1,772
Noncurrent loans to loans1.4135%1,439
Net loans and leases to total assets69.5667%2,547
Net loans and leases to deposits78.9917%2,992
Net loans and leases to core deposits89.8538%2,515
Total domestic deposits to total assets88.0684%1,599
Equity capital to assets10.7512%2,868
Core capital (leverage) ratio10.8015%2,532
Tier 1 risk-based capital ratio12.3036%4,502
Total risk-based capital ratio13.5474%4,391
Memoranda:
Average total assets$1,083,877,000664
Average earning assets$999,847,400663
Average equity$121,347,400658
Average total loans$756,722,800662
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1587%2,648
Cost of funding earning assets0.3571%3,464
Net interest margin3.8016%2,323
Noninterest income to average assets0.2921%4,673
Noninterest expense to average assets3.0928%2,045
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.5396%4,539
Return on assets (ROA)0.5577%4,572
Pretax return on assets0.7305%4,528
Return on Equity (ROE)4.9296%4,546
Retained earnings to average equity (ytd only)1.4588%4,929
Net charge-offs to loans-0.1198%5,637
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.9758%1,304
Assets per employee ($millions)5.8206%1,565
Cash dividends to net income (ytd only)*70.4069%1,027
Condition Ratios (%)
Loss allowance to loans1.5188%1,698
Loan loss allowance to noncurrent loans117.4331%3,284
Noncurrent assets plus other real estate owned to assets0.9789%2,115
Noncurrent loans to loans1.2933%1,725
Net loans and leases to total assets69.1106%2,624
Net loans and leases to deposits78.7026%3,113
Net loans and leases to core deposits89.1603%2,653
Total domestic deposits to total assets87.8124%1,496
Equity capital to assets11.0688%2,943
Core capital (leverage) ratio11.0276%2,424
Tier 1 risk-based capital ratio12.6192%4,395
Total risk-based capital ratio13.8701%4,300
Memoranda:
Average total assets$1,069,511,750673
Average earning assets$986,718,000672
Average equity$121,007,500661
Average total loans$744,519,750672
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1739%2,589
Cost of funding earning assets0.3973%3,068
Net interest margin3.7766%2,417
Noninterest income to average assets0.2814%4,776
Noninterest expense to average assets3.3656%1,450
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.2892%5,354
Return on assets (ROA)0.3058%5,396
Pretax return on assets0.4275%5,289
Return on Equity (ROE)2.6827%5,334
Retained earnings to average equity (ytd only)-0.8078%5,413
Net charge-offs to loans-0.1867%5,797
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.8967%666
Assets per employee ($millions)5.6141%1,689
Cash dividends to net income (ytd only)*130.1115%284
Condition Ratios (%)
Loss allowance to loans1.5710%1,611
Loan loss allowance to noncurrent loans108.6347%3,538
Noncurrent assets plus other real estate owned to assets1.0898%1,941
Noncurrent loans to loans1.4462%1,532
Net loans and leases to total assets69.3189%2,580
Net loans and leases to deposits79.2215%3,031
Net loans and leases to core deposits89.4869%2,587
Total domestic deposits to total assets87.5001%1,667
Equity capital to assets11.3220%2,722
Core capital (leverage) ratio11.1405%2,287
Tier 1 risk-based capital ratio12.8013%4,315
Total risk-based capital ratio14.0528%4,225
Memoranda:
Average total assets$1,055,438,000683
Average earning assets$974,960,000683
Average equity$120,325,000665
Average total loans$732,635,000682
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1270%2,740
Cost of funding earning assets0.5159%1,981
Net interest margin3.6112%3,042
Noninterest income to average assets0.2422%5,003
Noninterest expense to average assets3.7161%876
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets-0.2147%5,890
Return on assets (ROA)-0.1788%5,894
Pretax return on assets-0.0978%5,864
Return on Equity (ROE)-1.5628%5,892
Retained earnings to average equity (ytd only)-5.0691%5,611
Net charge-offs to loans-0.1747%5,812
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio103.5192%219
Assets per employee ($millions)5.6125%1,735
Cash dividends to net income (ytd only)*-224.3590%6,108
Condition Ratios (%)
Loss allowance to loans1.5850%1,653
Loan loss allowance to noncurrent loans98.2731%3,666
Noncurrent assets plus other real estate owned to assets1.1793%1,870
Noncurrent loans to loans1.6129%1,429
Net loans and leases to total assets66.2339%2,914
Net loans and leases to deposits76.0402%3,219
Net loans and leases to core deposits86.6472%2,692
Total domestic deposits to total assets87.1038%2,159
Equity capital to assets11.1138%2,813
Core capital (leverage) ratio11.3568%2,088
Tier 1 risk-based capital ratio13.0691%4,221
Total risk-based capital ratio14.3206%4,134
Memoranda:
Average total assets$1,047,008,500687
Average earning assets$968,442,000689
Average equity$119,784,500672
Average total loans$721,368,500691
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2796%2,282
Cost of funding earning assets0.5126%2,049
Net interest margin3.7671%2,496
Noninterest income to average assets0.2287%5,227
Noninterest expense to average assets2.4637%4,343
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.9140%2,794
Return on assets (ROA)0.9466%2,707
Pretax return on assets1.2947%2,306
Return on Equity (ROE)8.0860%2,915
Retained earnings to average equity (ytd only)5.6380%1,992
Net charge-offs to loans-0.0515%5,559
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3391%3,848
Assets per employee ($millions)6.0501%1,350
Cash dividends to net income (ytd only)*30.2741%3,334
Condition Ratios (%)
Loss allowance to loans1.5582%1,768
Loan loss allowance to noncurrent loans79.3020%4,155
Noncurrent assets plus other real estate owned to assets1.5270%1,319
Noncurrent loans to loans1.9649%1,073
Net loans and leases to total assets69.4917%2,454
Net loans and leases to deposits87.7738%1,904
Net loans and leases to core deposits107.1496%1,036
Total domestic deposits to total assets79.1713%4,947
Equity capital to assets11.7871%2,119
Core capital (leverage) ratio11.9779%1,632
Tier 1 risk-based capital ratio13.3079%4,100
Total risk-based capital ratio14.5589%4,047
Memoranda:
Average total assets$994,546,200691
Average earning assets$920,102,400686
Average equity$116,423,400661
Average total loans$699,507,400661
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3081%2,200
Cost of funding earning assets0.5043%2,173
Net interest margin3.8038%2,365
Noninterest income to average assets0.2312%5,271
Noninterest expense to average assets2.4240%4,444
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.9414%2,754
Return on assets (ROA)0.9810%2,648
Pretax return on assets1.3796%2,100
Return on Equity (ROE)8.3947%2,877
Retained earnings to average equity (ytd only)6.1452%2,153
Net charge-offs to loans-0.0136%5,078
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6765%4,117
Assets per employee ($millions)6.1926%1,246
Cash dividends to net income (ytd only)*26.7968%2,957
Condition Ratios (%)
Loss allowance to loans1.5142%2,095
Loan loss allowance to noncurrent loans69.8454%4,422
Noncurrent assets plus other real estate owned to assets1.7277%1,252
Noncurrent loans to loans2.1679%1,025
Net loans and leases to total assets71.4923%2,142
Net loans and leases to deposits90.7649%1,556
Net loans and leases to core deposits109.8056%885
Total domestic deposits to total assets78.7665%5,037
Equity capital to assets11.9220%2,167
Core capital (leverage) ratio11.9491%1,704
Tier 1 risk-based capital ratio13.1963%4,324
Total risk-based capital ratio14.4474%4,249
Memoranda:
Average total assets$989,077,250702
Average earning assets$914,442,750694
Average equity$115,577,500669
Average total loans$695,007,000665
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3162%2,120
Cost of funding earning assets0.4882%2,368
Net interest margin3.8279%2,210
Noninterest income to average assets0.2260%5,345
Noninterest expense to average assets2.5348%4,120
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.8800%2,987
Return on assets (ROA)0.9202%2,910
Pretax return on assets1.2830%2,423
Return on Equity (ROE)7.9283%3,099
Retained earnings to average equity (ytd only)5.6621%2,429
Net charge-offs to loans-0.1695%5,974
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3802%3,772
Assets per employee ($millions)6.3477%1,125
Cash dividends to net income (ytd only)*28.5840%2,868
Condition Ratios (%)
Loss allowance to loans1.6284%1,816
Loan loss allowance to noncurrent loans67.2248%4,557
Noncurrent assets plus other real estate owned to assets1.8668%1,225
Noncurrent loans to loans2.4224%930
Net loans and leases to total assets70.0051%2,313
Net loans and leases to deposits90.5143%1,535
Net loans and leases to core deposits109.3535%870
Total domestic deposits to total assets77.3415%5,403
Equity capital to assets11.7902%2,169
Core capital (leverage) ratio11.7454%1,809
Tier 1 risk-based capital ratio13.2723%4,363
Total risk-based capital ratio14.5246%4,293
Memoranda:
Average total assets$988,496,330704
Average earning assets$913,081,330695
Average equity$114,728,000676
Average total loans$686,925,670674
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2085%2,419
Cost of funding earning assets0.4849%2,419
Net interest margin3.7236%2,538
Noninterest income to average assets0.2301%5,312
Noninterest expense to average assets2.6286%3,830
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.7338%3,625
Return on assets (ROA)0.7945%3,425
Pretax return on assets1.1296%2,951
Return on Equity (ROE)6.8998%3,559
Retained earnings to average equity (ytd only)4.6209%3,258
Net charge-offs to loans-0.2799%6,128
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.5967%3,235
Assets per employee ($millions)6.2344%1,234
Cash dividends to net income (ytd only)*33.0285%2,257
Condition Ratios (%)
Loss allowance to loans1.6148%1,998
Loan loss allowance to noncurrent loans61.0166%4,687
Noncurrent assets plus other real estate owned to assets2.0319%1,165
Noncurrent loans to loans2.6464%898
Net loans and leases to total assets69.8708%2,163
Net loans and leases to deposits90.2146%1,366
Net loans and leases to core deposits108.5150%802
Total domestic deposits to total assets77.4495%5,542
Equity capital to assets11.6647%2,330
Core capital (leverage) ratio11.7294%1,831
Tier 1 risk-based capital ratio13.0459%4,578
Total risk-based capital ratio14.2979%4,492
Memoranda:
Average total assets$990,797,500702
Average earning assets$915,674,500694
Average equity$114,090,500673
Average total loans$680,299,500684
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1187%3,254
Cost of funding earning assets0.4148%3,543
Net interest margin3.7039%2,994
Noninterest income to average assets0.3611%4,509
Noninterest expense to average assets2.6017%4,213
Loan and lease loss provision to assets0.3271%596
Net operating income to assets0.7914%3,418
Return on assets (ROA)0.7763%3,581
Pretax return on assets0.8460%4,091
Return on Equity (ROE)6.5791%3,858
Retained earnings to average equity (ytd only)-2.2384%6,035
Net charge-offs to loans1.0406%281
Credit loss provision to net charge-offs48.6441%3,510
Earnings coverage of net charge-offs (x)1.7691%4,338
Efficiency ratio68.6248%3,788
Assets per employee ($millions)6.3475%1,151
Cash dividends to net income (ytd only)*134.0234%178
Condition Ratios (%)
Loss allowance to loans1.6368%1,964
Loan loss allowance to noncurrent loans49.9262%5,108
Noncurrent assets plus other real estate owned to assets2.2250%1,091
Noncurrent loans to loans3.2784%655
Net loans and leases to total assets65.2476%3,013
Net loans and leases to deposits82.3822%2,424
Net loans and leases to core deposits102.1992%1,232
Total domestic deposits to total assets79.2012%5,203
Equity capital to assets11.3670%2,541
Core capital (leverage) ratio11.5727%1,926
Tier 1 risk-based capital ratio13.8879%4,175
Total risk-based capital ratio15.1398%4,116
Memoranda:
Average total assets$970,759,400693
Average earning assets$899,000,800683
Average equity$114,544,400636
Average total loans$627,244,400699
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0900%3,420
Cost of funding earning assets0.3840%3,971
Net interest margin3.7060%3,001
Noninterest income to average assets0.4064%4,203
Noninterest expense to average assets2.4781%4,600
Loan and lease loss provision to assets0.3457%512
Net operating income to assets0.8701%3,074
Return on assets (ROA)0.8401%3,322
Pretax return on assets0.9799%3,676
Return on Equity (ROE)7.0530%3,687
Retained earnings to average equity (ytd only)1.2490%5,396
Net charge-offs to loans1.3514%193
Credit loss provision to net charge-offs39.8597%3,290
Earnings coverage of net charge-offs (x)1.5687%4,124
Efficiency ratio64.5595%4,454
Assets per employee ($millions)6.4712%1,038
Cash dividends to net income (ytd only)*82.2910%687
Condition Ratios (%)
Loss allowance to loans1.6003%2,303
Loan loss allowance to noncurrent loans42.4680%5,378
Noncurrent assets plus other real estate owned to assets2.5464%1,016
Noncurrent loans to loans3.7682%598
Net loans and leases to total assets65.4429%2,958
Net loans and leases to deposits83.2350%2,260
Net loans and leases to core deposits101.2419%1,269
Total domestic deposits to total assets78.6242%5,409
Equity capital to assets11.9235%2,126
Core capital (leverage) ratio11.8350%1,806
Tier 1 risk-based capital ratio14.6893%3,761
Total risk-based capital ratio15.9410%3,704
Memoranda:
Average total assets$964,308,000695
Average earning assets$893,045,000690
Average equity$114,860,500627
Average total loans$618,791,750699
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0899%3,389
Cost of funding earning assets0.3397%4,541
Net interest margin3.7502%2,757
Noninterest income to average assets0.4848%3,596
Noninterest expense to average assets2.4941%4,591
Loan and lease loss provision to assets0.3021%650
Net operating income to assets1.0048%2,305
Return on assets (ROA)0.9539%2,628
Pretax return on assets1.1096%3,068
Return on Equity (ROE)8.0115%3,089
Retained earnings to average equity (ytd only)1.1880%5,279
Net charge-offs to loans1.8868%125
Credit loss provision to net charge-offs25.2613%3,115
Earnings coverage of net charge-offs (x)1.2300%3,866
Efficiency ratio62.9046%4,875
Assets per employee ($millions)6.3363%1,099
Cash dividends to net income (ytd only)*85.1714%788
Condition Ratios (%)
Loss allowance to loans1.5948%2,482
Loan loss allowance to noncurrent loans35.9633%5,615
Noncurrent assets plus other real estate owned to assets2.9388%877
Noncurrent loans to loans4.4346%503
Net loans and leases to total assets63.3088%3,194
Net loans and leases to deposits80.7176%2,418
Net loans and leases to core deposits95.2504%1,663
Total domestic deposits to total assets78.4325%5,563
Equity capital to assets12.0099%1,973
Core capital (leverage) ratio12.1068%1,601
Tier 1 risk-based capital ratio15.1505%3,554
Total risk-based capital ratio16.4019%3,502
Memoranda:
Average total assets$960,025,330697
Average earning assets$890,881,670686
Average equity$114,310,330621
Average total loans$608,429,330712
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0668%3,410
Cost of funding earning assets0.3283%4,757
Net interest margin3.7385%2,717
Noninterest income to average assets0.0868%6,373
Noninterest expense to average assets2.5048%4,605
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.9792%2,285
Return on assets (ROA)0.8852%2,783
Pretax return on assets0.9636%3,466
Return on Equity (ROE)7.4663%3,226
Retained earnings to average equity (ytd only)-4.8543%6,114
Net charge-offs to loans2.9355%68
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)0.5773%3,313
Efficiency ratio70.1496%3,817
Assets per employee ($millions)6.5440%1,000
Cash dividends to net income (ytd only)*165.0165%339
Condition Ratios (%)
Loss allowance to loans1.6050%2,679
Loan loss allowance to noncurrent loans39.4544%5,590
Noncurrent assets plus other real estate owned to assets2.6154%1,184
Noncurrent loans to loans4.0679%656
Net loans and leases to total assets61.7052%3,284
Net loans and leases to deposits78.3049%2,506
Net loans and leases to core deposits94.5018%1,512
Total domestic deposits to total assets78.8012%5,715
Equity capital to assets11.7482%2,058
Core capital (leverage) ratio12.0051%1,651
Tier 1 risk-based capital ratio15.1111%3,650
Total risk-based capital ratio16.3625%3,604
Memoranda:
Average total assets$958,478,000709
Average earning assets$893,187,500687
Average equity$113,630,500626
Average total loans$602,833,000719
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1947%3,365
Cost of funding earning assets0.3472%5,167
Net interest margin3.8475%2,475
Noninterest income to average assets0.2216%5,750
Noninterest expense to average assets2.2750%5,444
Loan and lease loss provision to assets0.2877%1,193
Net operating income to assets0.8323%3,123
Return on assets (ROA)0.9010%2,858
Pretax return on assets1.3613%1,930
Return on Equity (ROE)7.3584%3,381
Retained earnings to average equity (ytd only)-3.0874%6,270
Net charge-offs to loans-0.0516%6,344
Credit loss provision to net charge-offs-862.0690%6,207
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4062%5,553
Assets per employee ($millions)6.4962%986
Cash dividends to net income (ytd only)*141.9580%170
Condition Ratios (%)
Loss allowance to loans2.3687%963
Loan loss allowance to noncurrent loans47.5634%5,352
Noncurrent assets plus other real estate owned to assets3.2378%943
Noncurrent loans to loans4.9801%507
Net loans and leases to total assets61.5876%3,427
Net loans and leases to deposits78.1457%2,704
Net loans and leases to core deposits94.0844%1,598
Total domestic deposits to total assets78.8112%5,686
Equity capital to assets11.9647%1,831
Core capital (leverage) ratio12.4858%1,371
Tier 1 risk-based capital ratio15.5296%3,356
Total risk-based capital ratio16.7884%3,303
Memoranda:
Average total assets$955,716,000693
Average earning assets$893,828,400667
Average equity$117,023,400609
Average total loans$617,630,800675
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1838%3,444
Cost of funding earning assets0.3559%5,242
Net interest margin3.8279%2,549
Noninterest income to average assets0.2207%5,845
Noninterest expense to average assets2.2594%5,458
Loan and lease loss provision to assets0.3829%808
Net operating income to assets0.7881%3,408
Return on assets (ROA)0.8763%3,073
Pretax return on assets1.2893%2,370
Return on Equity (ROE)7.1160%3,579
Retained earnings to average equity (ytd only)-3.4285%6,389
Net charge-offs to loans0.0666%3,963
Credit loss provision to net charge-offs884.2444%343
Earnings coverage of net charge-offs (x)35.6203%1,089
Efficiency ratio59.3430%5,517
Assets per employee ($millions)6.4009%974
Cash dividends to net income (ytd only)*148.1804%135
Condition Ratios (%)
Loss allowance to loans2.2766%1,217
Loan loss allowance to noncurrent loans37.7572%5,711
Noncurrent assets plus other real estate owned to assets3.9677%788
Noncurrent loans to loans6.0295%424
Net loans and leases to total assets62.6315%3,236
Net loans and leases to deposits79.9577%2,414
Net loans and leases to core deposits97.0467%1,312
Total domestic deposits to total assets78.3308%5,853
Equity capital to assets12.2696%1,732
Core capital (leverage) ratio12.4216%1,458
Tier 1 risk-based capital ratio15.1937%3,633
Total risk-based capital ratio16.4509%3,584
Memoranda:
Average total assets$957,533,000689
Average earning assets$895,815,250667
Average equity$117,909,500609
Average total loans$622,464,000674
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1229%3,647
Cost of funding earning assets0.3663%5,255
Net interest margin3.7566%2,736
Noninterest income to average assets0.2438%5,711
Noninterest expense to average assets2.1719%5,695
Loan and lease loss provision to assets0.5065%533
Net operating income to assets0.8088%3,241
Return on assets (ROA)0.8998%2,939
Pretax return on assets1.2143%2,605
Return on Equity (ROE)7.2987%3,444
Retained earnings to average equity (ytd only)-2.0930%6,204
Net charge-offs to loans0.1330%3,049
Credit loss provision to net charge-offs583.3333%496
Earnings coverage of net charge-offs (x)18.4000%1,553
Efficiency ratio57.5276%5,794
Assets per employee ($millions)6.8536%767
Cash dividends to net income (ytd only)*128.6765%294
Condition Ratios (%)
Loss allowance to loans2.1260%1,568
Loan loss allowance to noncurrent loans36.4583%5,778
Noncurrent assets plus other real estate owned to assets3.9240%897
Noncurrent loans to loans5.8313%508
Net loans and leases to total assets63.4653%3,013
Net loans and leases to deposits86.8794%1,472
Net loans and leases to core deposits105.4946%764
Total domestic deposits to total assets73.0498%6,502
Equity capital to assets12.3771%1,653
Core capital (leverage) ratio12.5692%1,331
Tier 1 risk-based capital ratio14.5558%4,065
Total risk-based capital ratio15.8112%4,031
Memoranda:
Average total assets$967,333,670681
Average earning assets$907,949,670655
Average equity$119,253,330604
Average total loans$631,670,670665
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1474%3,524
Cost of funding earning assets0.3840%5,244
Net interest margin3.7635%2,598
Noninterest income to average assets0.2676%5,540
Noninterest expense to average assets2.2149%5,648
Loan and lease loss provision to assets0.4309%689
Net operating income to assets0.8623%2,851
Return on assets (ROA)0.9197%2,711
Pretax return on assets1.2390%2,438
Return on Equity (ROE)7.4747%3,229
Retained earnings to average equity (ytd only)-5.8670%6,411
Net charge-offs to loans0.5029%1,200
Credit loss provision to net charge-offs130.7597%1,513
Earnings coverage of net charge-offs (x)4.8319%2,469
Efficiency ratio58.0899%5,837
Assets per employee ($millions)6.9083%803
Cash dividends to net income (ytd only)*178.4917%267
Condition Ratios (%)
Loss allowance to loans1.8518%2,441
Loan loss allowance to noncurrent loans29.8018%6,038
Noncurrent assets plus other real estate owned to assets4.0931%959
Noncurrent loans to loans6.2137%525
Net loans and leases to total assets61.7580%3,113
Net loans and leases to deposits86.0186%1,350
Net loans and leases to core deposits106.4662%625
Total domestic deposits to total assets71.7961%6,668
Equity capital to assets12.2309%1,883
Core capital (leverage) ratio12.3575%1,400
Tier 1 risk-based capital ratio13.7205%4,706
Total risk-based capital ratio14.9722%4,671
Memoranda:
Average total assets$974,677,000679
Average earning assets$916,708,000656
Average equity$119,925,000614
Average total loans$638,639,500656
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5666%3,139
Cost of funding earning assets0.5446%4,863
Net interest margin4.0219%2,308
Noninterest income to average assets0.1410%6,330
Noninterest expense to average assets2.1186%6,088
Loan and lease loss provision to assets1.0023%419
Net operating income to assets0.6194%4,147
Return on assets (ROA)0.9291%2,903
Pretax return on assets1.2187%2,730
Return on Equity (ROE)7.3031%3,462
Retained earnings to average equity (ytd only)2.0366%4,794
Net charge-offs to loans1.3917%659
Credit loss provision to net charge-offs105.3930%2,824
Earnings coverage of net charge-offs (x)1.9069%4,467
Efficiency ratio53.6553%6,295
Assets per employee ($millions)6.8682%824
Cash dividends to net income (ytd only)*72.1138%1,285
Condition Ratios (%)
Loss allowance to loans1.6712%3,034
Loan loss allowance to noncurrent loans28.7851%6,108
Noncurrent assets plus other real estate owned to assets4.2688%985
Noncurrent loans to loans5.8059%622
Net loans and leases to total assets66.9815%2,365
Net loans and leases to deposits92.9631%831
Net loans and leases to core deposits114.9062%388
Total domestic deposits to total assets72.0517%6,688
Equity capital to assets12.3771%1,806
Core capital (leverage) ratio12.6539%1,253
Tier 1 risk-based capital ratio14.0592%4,338
Total risk-based capital ratio15.3104%4,298
Memoranda:
Average total assets$937,886,000702
Average earning assets$884,055,200672
Average equity$119,319,000606
Average total loans$640,852,600647
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6410%3,055
Cost of funding earning assets0.5822%4,822
Net interest margin4.0588%2,263
Noninterest income to average assets0.1315%6,477
Noninterest expense to average assets2.1470%6,072
Loan and lease loss provision to assets0.6964%731
Net operating income to assets0.8429%3,240
Return on assets (ROA)1.0300%2,583
Pretax return on assets1.3666%2,357
Return on Equity (ROE)8.0387%3,273
Retained earnings to average equity (ytd only)1.7550%5,451
Net charge-offs to loans1.0314%1,024
Credit loss provision to net charge-offs98.7378%3,040
Earnings coverage of net charge-offs (x)2.5713%4,011
Efficiency ratio53.9374%6,257
Assets per employee ($millions)6.8200%806
Cash dividends to net income (ytd only)*78.1681%692
Condition Ratios (%)
Loss allowance to loans1.6694%3,261
Loan loss allowance to noncurrent loans41.2049%5,588
Noncurrent assets plus other real estate owned to assets3.0473%1,709
Noncurrent loans to loans4.0514%1,254
Net loans and leases to total assets66.0899%2,633
Net loans and leases to deposits89.7603%1,176
Net loans and leases to core deposits110.2659%559
Total domestic deposits to total assets73.6293%6,629
Equity capital to assets12.8461%1,681
Core capital (leverage) ratio12.7078%1,313
Tier 1 risk-based capital ratio14.1096%4,450
Total risk-based capital ratio15.3602%4,412
Memoranda:
Average total assets$928,536,500717
Average earning assets$875,967,500685
Average equity$118,970,750604
Average total loans$634,975,000656
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6240%3,258
Cost of funding earning assets0.6238%4,686
Net interest margin4.0001%2,502
Noninterest income to average assets0.0816%6,751
Noninterest expense to average assets2.1466%6,133
Loan and lease loss provision to assets0.6383%904
Net operating income to assets0.7806%3,464
Return on assets (ROA)0.9681%2,835
Pretax return on assets1.3272%2,457
Return on Equity (ROE)7.5621%3,472
Retained earnings to average equity (ytd only)-0.6710%6,159
Net charge-offs to loans0.3382%2,670
Credit loss provision to net charge-offs274.4186%1,063
Earnings coverage of net charge-offs (x)7.3460%2,496
Efficiency ratio55.5393%6,171
Assets per employee ($millions)6.9347%748
Cash dividends to net income (ytd only)*108.8735%347
Condition Ratios (%)
Loss allowance to loans1.9712%2,308
Loan loss allowance to noncurrent loans60.7535%4,606
Noncurrent assets plus other real estate owned to assets2.4985%2,239
Noncurrent loans to loans3.2445%1,795
Net loans and leases to total assets66.8814%2,486
Net loans and leases to deposits90.6912%1,080
Net loans and leases to core deposits110.1910%571
Total domestic deposits to total assets73.7463%6,696
Equity capital to assets12.7047%1,685
Core capital (leverage) ratio12.7203%1,248
Tier 1 risk-based capital ratio13.3702%4,921
Total risk-based capital ratio14.6231%4,879
Memoranda:
Average total assets$924,329,330719
Average earning assets$872,024,000690
Average equity$118,327,000605
Average total loans$635,776,670655
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6218%3,401
Cost of funding earning assets0.6645%4,588
Net interest margin3.9573%2,679
Noninterest income to average assets0.1315%6,590
Noninterest expense to average assets2.3209%5,718
Loan and lease loss provision to assets0.5641%1,030
Net operating income to assets0.7158%3,804
Return on assets (ROA)0.9173%3,054
Pretax return on assets1.2657%2,668
Return on Equity (ROE)7.1382%3,699
Retained earnings to average equity (ytd only)7.1382%2,359
Net charge-offs to loans0.3449%2,269
Credit loss provision to net charge-offs236.7942%1,194
Earnings coverage of net charge-offs (x)6.5064%2,197
Efficiency ratio59.8251%5,642
Assets per employee ($millions)6.9232%786
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.7927%3,020
Loan loss allowance to noncurrent loans54.4319%4,821
Noncurrent assets plus other real estate owned to assets2.4769%2,385
Noncurrent loans to loans3.2934%1,937
Net loans and leases to total assets67.6636%2,175
Net loans and leases to deposits93.2602%712
Net loans and leases to core deposits116.3417%377
Total domestic deposits to total assets72.5535%6,850
Equity capital to assets12.8387%1,520
Core capital (leverage) ratio12.5965%1,296
Tier 1 risk-based capital ratio13.9811%4,486
Total risk-based capital ratio15.2334%4,444
Memoranda:
Average total assets$921,870,000722
Average earning assets$871,089,000690
Average equity$118,461,500606
Average total loans$636,669,500649
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8793%3,457
Cost of funding earning assets0.8382%4,558
Net interest margin4.0411%2,676
Noninterest income to average assets0.1639%6,319
Noninterest expense to average assets2.0400%6,605
Loan and lease loss provision to assets0.9994%948
Net operating income to assets0.7017%3,481
Return on assets (ROA)0.8304%3,069
Pretax return on assets1.1008%2,833
Return on Equity (ROE)6.6460%3,565
Retained earnings to average equity (ytd only)6.6460%1,671
Net charge-offs to loans1.7725%839
Credit loss provision to net charge-offs80.5531%4,423
Earnings coverage of net charge-offs (x)1.5545%4,606
Efficiency ratio51.3693%6,747
Assets per employee ($millions)6.8367%800
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.6625%3,327
Loan loss allowance to noncurrent loans49.3748%5,064
Noncurrent assets plus other real estate owned to assets2.7351%2,225
Noncurrent loans to loans3.3671%1,924
Net loans and leases to total assets68.0757%2,382
Net loans and leases to deposits93.5525%843
Net loans and leases to core deposits112.9647%541
Total domestic deposits to total assets72.7674%6,830
Equity capital to assets12.8615%1,566
Core capital (leverage) ratio12.9655%1,156
Tier 1 risk-based capital ratio14.4605%3,999
Total risk-based capital ratio15.7119%3,976
Memoranda:
Average total assets$903,528,200723
Average earning assets$850,676,000690
Average equity$112,895,600612
Average total loans$632,431,600651
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9474%3,342
Cost of funding earning assets0.8758%4,585
Net interest margin4.0716%2,590
Noninterest income to average assets0.1030%6,738
Noninterest expense to average assets1.9790%6,734
Loan and lease loss provision to assets1.0727%775
Net operating income to assets0.6507%3,870
Return on assets (ROA)0.8093%3,284
Pretax return on assets1.0970%3,029
Return on Equity (ROE)6.5263%3,754
Retained earnings to average equity (ytd only)6.5263%2,227
Net charge-offs to loans1.9957%637
Credit loss provision to net charge-offs76.5728%4,254
Earnings coverage of net charge-offs (x)1.3958%4,582
Efficiency ratio50.3017%6,813
Assets per employee ($millions)6.9353%761
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.6215%3,566
Loan loss allowance to noncurrent loans53.9014%4,773
Noncurrent assets plus other real estate owned to assets2.3458%2,734
Noncurrent loans to loans3.0082%2,298
Net loans and leases to total assets70.7209%1,940
Net loans and leases to deposits97.9215%582
Net loans and leases to core deposits118.6922%424
Total domestic deposits to total assets72.2220%6,918
Equity capital to assets12.9162%1,658
Core capital (leverage) ratio13.0563%1,210
Tier 1 risk-based capital ratio15.1991%3,547
Total risk-based capital ratio16.4518%3,511
Memoranda:
Average total assets$898,673,000738
Average earning assets$845,648,250702
Average equity$111,443,250624
Average total loans$630,808,000662
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0279%3,024
Cost of funding earning assets0.9121%4,570
Net interest margin4.1157%2,356
Noninterest income to average assets0.0592%7,010
Noninterest expense to average assets1.9851%6,822
Loan and lease loss provision to assets1.1124%729
Net operating income to assets0.6480%3,810
Return on assets (ROA)0.8070%3,162
Pretax return on assets1.0380%3,084
Return on Equity (ROE)6.6006%3,646
Retained earnings to average equity (ytd only)6.6006%2,081
Net charge-offs to loans1.4300%1,052
Credit loss provision to net charge-offs111.7344%2,742
Earnings coverage of net charge-offs (x)1.9551%3,885
Efficiency ratio50.4914%6,904
Assets per employee ($millions)6.5832%891
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.1665%1,985
Loan loss allowance to noncurrent loans67.0407%4,084
Noncurrent assets plus other real estate owned to assets2.5320%2,637
Noncurrent loans to loans3.2316%2,214
Net loans and leases to total assets70.3101%2,155
Net loans and leases to deposits95.6032%759
Net loans and leases to core deposits117.5472%488
Total domestic deposits to total assets73.5436%6,883
Equity capital to assets13.1591%1,442
Core capital (leverage) ratio12.1570%1,526
Tier 1 risk-based capital ratio15.7588%3,100
Total risk-based capital ratio17.0176%3,073
Memoranda:
Average total assets$895,390,330745
Average earning assets$842,422,670715
Average equity$109,475,670637
Average total loans$623,376,000683
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0003%3,105
Cost of funding earning assets0.9159%4,808
Net interest margin4.0844%2,326
Noninterest income to average assets0.1578%6,590
Noninterest expense to average assets1.9336%6,932
Loan and lease loss provision to assets1.0490%718
Net operating income to assets0.7486%3,281
Return on assets (ROA)0.8309%2,938
Pretax return on assets1.1316%2,637
Return on Equity (ROE)7.0469%3,353
Retained earnings to average equity (ytd only)7.0469%2,124
Net charge-offs to loans1.0396%1,315
Credit loss provision to net charge-offs147.1490%1,933
Earnings coverage of net charge-offs (x)2.9007%2,925
Efficiency ratio48.3233%7,106
Assets per employee ($millions)7.3107%635
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.1915%1,983
Loan loss allowance to noncurrent loans70.2324%3,916
Noncurrent assets plus other real estate owned to assets2.5582%2,672
Noncurrent loans to loans3.1203%2,405
Net loans and leases to total assets66.8140%2,809
Net loans and leases to deposits95.6652%714
Net loans and leases to core deposits119.3239%435
Total domestic deposits to total assets69.8415%7,185
Equity capital to assets12.0869%1,866
Core capital (leverage) ratio11.7957%1,680
Tier 1 risk-based capital ratio14.7924%3,550
Total risk-based capital ratio16.0505%3,509
Memoranda:
Average total assets$915,179,500732
Average earning assets$861,227,000705
Average equity$107,905,000642
Average total loans$627,540,500689
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1402%3,908
Cost of funding earning assets1.0614%5,356
Net interest margin4.0788%2,667
Noninterest income to average assets0.2465%6,031
Noninterest expense to average assets1.8692%7,202
Loan and lease loss provision to assets1.4628%1,017
Net operating income to assets0.5683%3,809
Return on assets (ROA)0.7397%3,178
Pretax return on assets0.9722%3,020
Return on Equity (ROE)6.5356%3,325
Retained earnings to average equity (ytd only)5.4966%2,112
Net charge-offs to loans1.7690%1,197
Credit loss provision to net charge-offs114.5685%3,788
Earnings coverage of net charge-offs (x)1.7305%4,418
Efficiency ratio45.8288%7,359
Assets per employee ($millions)7.5724%572
Cash dividends to net income (ytd only)*15.8972%3,584
Condition Ratios (%)
Loss allowance to loans2.0135%2,265
Loan loss allowance to noncurrent loans62.4153%4,276
Noncurrent assets plus other real estate owned to assets2.4679%2,804
Noncurrent loans to loans3.2259%2,350
Net loans and leases to total assets67.4388%3,118
Net loans and leases to deposits95.0014%953
Net loans and leases to core deposits120.1662%524
Total domestic deposits to total assets70.9871%7,173
Equity capital to assets11.4998%2,261
Core capital (leverage) ratio11.5966%1,784
Tier 1 risk-based capital ratio13.3379%4,341
Total risk-based capital ratio14.5929%4,298
Memoranda:
Average total assets$878,452,800770
Average earning assets$825,341,800734
Average equity$99,424,200678
Average total loans$634,023,600695
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1989%3,836
Cost of funding earning assets1.0939%5,453
Net interest margin4.1050%2,601
Noninterest income to average assets0.2591%6,047
Noninterest expense to average assets1.9070%7,197
Loan and lease loss provision to assets1.2762%1,102
Net operating income to assets0.6653%3,573
Return on assets (ROA)0.8030%3,140
Pretax return on assets1.1226%2,759
Return on Equity (ROE)7.1249%3,285
Retained earnings to average equity (ytd only)5.7155%2,534
Net charge-offs to loans0.8533%2,311
Credit loss provision to net charge-offs204.6856%1,734
Earnings coverage of net charge-offs (x)3.5408%3,405
Efficiency ratio46.3453%7,370
Assets per employee ($millions)7.5696%610
Cash dividends to net income (ytd only)*19.7817%2,980
Condition Ratios (%)
Loss allowance to loans2.3759%1,506
Loan loss allowance to noncurrent loans59.3835%4,359
Noncurrent assets plus other real estate owned to assets3.0543%2,371
Noncurrent loans to loans4.0010%1,876
Net loans and leases to total assets69.1433%2,949
Net loans and leases to deposits97.7835%813
Net loans and leases to core deposits118.9749%652
Total domestic deposits to total assets70.7106%7,237
Equity capital to assets11.7026%2,355
Core capital (leverage) ratio11.5244%1,924
Tier 1 risk-based capital ratio14.0681%3,781
Total risk-based capital ratio15.3287%3,750
Memoranda:
Average total assets$867,108,000780
Average earning assets$814,429,250749
Average equity$97,720,500684
Average total loans$633,573,750698
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1955%3,985
Cost of funding earning assets1.1344%5,492
Net interest margin4.0611%2,745
Noninterest income to average assets-0.0940%7,626
Noninterest expense to average assets1.8742%7,299
Loan and lease loss provision to assets0.9050%1,609
Net operating income to assets0.6827%3,472
Return on assets (ROA)0.8653%2,810
Pretax return on assets1.1873%2,459
Return on Equity (ROE)7.7851%2,973
Retained earnings to average equity (ytd only)5.6004%2,557
Net charge-offs to loans0.7287%2,401
Credit loss provision to net charge-offs168.1223%2,335
Earnings coverage of net charge-offs (x)3.4223%3,330
Efficiency ratio50.4301%7,200
Assets per employee ($millions)7.8129%540
Cash dividends to net income (ytd only)*28.0630%2,579
Condition Ratios (%)
Loss allowance to loans1.9973%2,189
Loan loss allowance to noncurrent loans54.3444%4,684
Noncurrent assets plus other real estate owned to assets2.7616%2,621
Noncurrent loans to loans3.6752%2,132
Net loans and leases to total assets67.7433%3,445
Net loans and leases to deposits95.8333%1,064
Net loans and leases to core deposits130.3861%412
Total domestic deposits to total assets70.6887%7,285
Equity capital to assets11.3205%2,577
Core capital (leverage) ratio12.2950%1,499
Tier 1 risk-based capital ratio14.1609%3,624
Total risk-based capital ratio15.4176%3,582
Memoranda:
Average total assets$850,836,000795
Average earning assets$798,311,670764
Average equity$94,565,000700
Average total loans$628,527,330715
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3203%3,443
Cost of funding earning assets1.2356%5,202
Net interest margin4.0847%2,510
Noninterest income to average assets0.1487%6,906
Noninterest expense to average assets2.0719%7,010
Loan and lease loss provision to assets1.1039%1,108
Net operating income to assets0.5681%4,042
Return on assets (ROA)0.8924%2,651
Pretax return on assets1.2575%2,185
Return on Equity (ROE)8.1147%2,828
Retained earnings to average equity (ytd only)3.5064%4,043
Net charge-offs to loans0.8075%1,924
Credit loss provision to net charge-offs178.5714%2,046
Earnings coverage of net charge-offs (x)3.0810%3,025
Efficiency ratio52.1036%7,142
Assets per employee ($millions)6.9773%819
Cash dividends to net income (ytd only)*56.7894%1,316
Condition Ratios (%)
Loss allowance to loans1.9528%2,303
Loan loss allowance to noncurrent loans91.0575%3,031
Noncurrent assets plus other real estate owned to assets2.0341%3,458
Noncurrent loans to loans2.1445%3,593
Net loans and leases to total assets74.1453%1,936
Net loans and leases to deposits97.8684%919
Net loans and leases to core deposits128.4054%526
Total domestic deposits to total assets75.7602%6,796
Equity capital to assets12.4385%1,787
Core capital (leverage) ratio12.7211%1,316
Tier 1 risk-based capital ratio14.6553%3,286
Total risk-based capital ratio15.9122%3,248
Memoranda:
Average total assets$815,290,500848
Average earning assets$764,015,500820
Average equity$89,664,000729
Average total loans$624,155,000736
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6282%3,453
Cost of funding earning assets1.5947%5,048
Net interest margin4.0336%2,728
Noninterest income to average assets0.2753%6,137
Noninterest expense to average assets2.0107%7,357
Loan and lease loss provision to assets1.2101%1,902
Net operating income to assets0.6097%3,295
Return on assets (ROA)0.8401%2,466
Pretax return on assets1.1419%2,119
Return on Equity (ROE)8.8129%2,086
Retained earnings to average equity (ytd only)5.4595%1,600
Net charge-offs to loans1.1649%2,098
Credit loss provision to net charge-offs141.4813%3,420
Earnings coverage of net charge-offs (x)2.3858%3,943
Efficiency ratio49.6312%7,558
Assets per employee ($millions)6.7837%872
Cash dividends to net income (ytd only)*38.0511%3,010
Condition Ratios (%)
Loss allowance to loans1.7849%2,599
Loan loss allowance to noncurrent loans106.8913%2,643
Noncurrent assets plus other real estate owned to assets1.6510%3,900
Noncurrent loans to loans1.6698%4,146
Net loans and leases to total assets76.1254%1,762
Net loans and leases to deposits95.4864%1,395
Net loans and leases to core deposits148.8683%538
Total domestic deposits to total assets79.7239%5,763
Equity capital to assets9.5285%4,381
Core capital (leverage) ratio9.3667%3,876
Tier 1 risk-based capital ratio11.5462%5,350
Total risk-based capital ratio12.8023%5,304
Memoranda:
Average total assets$783,014,000871
Average earning assets$733,001,000848
Average equity$74,640,200866
Average total loans$574,893,600829
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6247%3,722
Cost of funding earning assets1.6420%5,198
Net interest margin3.9827%2,885
Noninterest income to average assets0.3118%5,990
Noninterest expense to average assets2.0287%7,331
Loan and lease loss provision to assets1.0854%1,798
Net operating income to assets0.6269%3,506
Return on assets (ROA)0.8584%2,648
Pretax return on assets1.2656%2,059
Return on Equity (ROE)9.0038%2,257
Retained earnings to average equity (ytd only)5.4379%2,233
Net charge-offs to loans1.3888%1,483
Credit loss provision to net charge-offs108.0089%4,703
Earnings coverage of net charge-offs (x)2.0007%4,320
Efficiency ratio50.2252%7,538
Assets per employee ($millions)6.9849%796
Cash dividends to net income (ytd only)*39.6042%2,458
Condition Ratios (%)
Loss allowance to loans1.4738%3,576
Loan loss allowance to noncurrent loans64.6527%4,093
Noncurrent assets plus other real estate owned to assets2.0895%3,226
Noncurrent loans to loans2.2796%3,287
Net loans and leases to total assets74.3848%2,416
Net loans and leases to deposits98.2821%1,292
Net loans and leases to core deposits147.7188%636
Total domestic deposits to total assets75.6849%6,644
Equity capital to assets9.5366%4,698
Core capital (leverage) ratio9.4358%3,997
Tier 1 risk-based capital ratio11.5781%5,367
Total risk-based capital ratio12.8304%5,300
Memoranda:
Average total assets$776,951,500891
Average earning assets$727,158,000868
Average equity$74,070,250887
Average total loans$562,191,750867
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5906%4,124
Cost of funding earning assets1.6676%5,435
Net interest margin3.9230%3,006
Noninterest income to average assets0.3343%5,834
Noninterest expense to average assets2.0202%7,429
Loan and lease loss provision to assets1.1616%1,484
Net operating income to assets0.5638%3,832
Return on assets (ROA)0.8285%2,837
Pretax return on assets1.2091%2,272
Return on Equity (ROE)8.6919%2,469
Retained earnings to average equity (ytd only)7.2678%1,481
Net charge-offs to loans1.6078%1,178
Credit loss provision to net charge-offs101.3590%4,506
Earnings coverage of net charge-offs (x)1.7339%4,252
Efficiency ratio50.4146%7,639
Assets per employee ($millions)6.8583%825
Cash dividends to net income (ytd only)*16.3847%3,244
Condition Ratios (%)
Loss allowance to loans1.4167%3,637
Loan loss allowance to noncurrent loans125.3672%2,355
Noncurrent assets plus other real estate owned to assets1.2752%4,387
Noncurrent loans to loans1.1300%4,959
Net loans and leases to total assets75.2162%2,389
Net loans and leases to deposits103.4875%947
Net loans and leases to core deposits153.7936%569
Total domestic deposits to total assets72.6815%7,156
Equity capital to assets9.5750%4,518
Core capital (leverage) ratio9.7127%3,616
Tier 1 risk-based capital ratio11.5573%5,324
Total risk-based capital ratio12.8087%5,256
Memoranda:
Average total assets$770,508,670913
Average earning assets$721,388,000888
Average equity$73,447,670905
Average total loans$549,198,670908
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3513%5,652
Cost of funding earning assets1.7206%5,515
Net interest margin3.6307%4,185
Noninterest income to average assets0.2411%6,528
Noninterest expense to average assets2.0109%7,327
Loan and lease loss provision to assets0.7453%1,728
Net operating income to assets0.6339%3,869
Return on assets (ROA)0.7840%3,360
Pretax return on assets1.1030%2,977
Return on Equity (ROE)8.2430%3,042
Retained earnings to average equity (ytd only)5.3670%2,928
Net charge-offs to loans1.6395%881
Credit loss provision to net charge-offs66.1560%4,415
Earnings coverage of net charge-offs (x)1.4531%4,007
Efficiency ratio55.1254%7,089
Assets per employee ($millions)6.6130%909
Cash dividends to net income (ytd only)*34.8899%2,201
Condition Ratios (%)
Loss allowance to loans1.4501%3,232
Loan loss allowance to noncurrent loans38.8934%5,952
Noncurrent assets plus other real estate owned to assets2.9762%1,894
Noncurrent loans to loans3.7285%1,666
Net loans and leases to total assets68.4694%4,023
Net loans and leases to deposits94.8226%2,131
Net loans and leases to core deposits135.0441%1,355
Total domestic deposits to total assets72.2079%7,176
Equity capital to assets9.6459%4,459
Core capital (leverage) ratio9.5347%3,939
Tier 1 risk-based capital ratio11.4232%5,481
Total risk-based capital ratio12.6733%5,382
Memoranda:
Average total assets$764,837,500917
Average earning assets$717,651,000894
Average equity$72,740,500921
Average total loans$525,533,000948
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1115%4,983
Cost of funding earning assets2.4925%4,244
Net interest margin3.6190%4,794
Noninterest income to average assets0.1544%7,321
Noninterest expense to average assets2.1338%7,150
Loan and lease loss provision to assets0.9823%1,497
Net operating income to assets0.4015%5,142
Return on assets (ROA)0.4961%4,593
Pretax return on assets0.4901%5,001
Return on Equity (ROE)5.5085%4,154
Retained earnings to average equity (ytd only)3.1716%3,177
Net charge-offs to loans1.2466%965
Credit loss provision to net charge-offs103.1156%5,179
Earnings coverage of net charge-offs (x)1.4463%5,390
Efficiency ratio60.7645%6,209
Assets per employee ($millions)6.4098%921
Cash dividends to net income (ytd only)*42.4233%3,542
Condition Ratios (%)
Loss allowance to loans1.6053%2,220
Loan loss allowance to noncurrent loans41.6365%5,949
Noncurrent assets plus other real estate owned to assets3.0015%1,529
Noncurrent loans to loans3.8556%1,286
Net loans and leases to total assets66.8643%4,669
Net loans and leases to deposits92.3413%3,077
Net loans and leases to core deposits118.9273%2,795
Total domestic deposits to total assets72.4099%6,927
Equity capital to assets9.3768%4,850
Core capital (leverage) ratio10.4474%3,023
Tier 1 risk-based capital ratio11.5391%5,207
Total risk-based capital ratio12.7910%5,094
Memoranda:
Average total assets$663,740,8001,008
Average earning assets$615,724,200982
Average equity$59,780,2001,127
Average total loans$507,231,800947