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Quad City Bank and Trust Company, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5350%1,112
Cost of funding earning assets2.6053%296
Net interest margin2.9297%3,427
Noninterest income to average assets0.7000%1,184
Noninterest expense to average assets1.9892%3,659
Loan and lease loss provision to assets0.5100%177
Net operating income to assets0.8854%2,594
Return on assets (ROA)0.8857%2,566
Pretax return on assets0.9641%2,769
Return on Equity (ROE)8.7200%2,825
Retained earnings to average equity (ytd only)8.7227%1,324
Net charge-offs to loans0.3948%264
Credit loss provision to net charge-offs145.8783%1,496
Earnings coverage of net charge-offs (x)4.7667%2,565
Efficiency ratio57.4552%3,348
Assets per employee ($millions)10.0423%698
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans1.4763%1,118
Loan loss allowance to noncurrent loans227.4405%2,375
Noncurrent assets plus other real estate owned to assets0.5307%1,057
Noncurrent loans to loans0.6491%1,208
Net loans and leases to total assets80.5500%579
Net loans and leases to deposits104.2189%347
Net loans and leases to core deposits122.3476%558
Total domestic deposits to total assets77.2900%3,811
Equity capital to assets10.7051%1,627
Core capital (leverage) ratio11.2313%1,804
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6685%2,353
Memoranda:
Average total assets$2,457,513,000476
Average earning assets$2,317,582,000459
Average equity$249,533,000452
Average total loans$1,923,636,400418
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3733%1,171
Cost of funding earning assets2.4767%289
Net interest margin2.8966%3,552
Noninterest income to average assets0.7000%1,185
Noninterest expense to average assets1.9734%3,656
Loan and lease loss provision to assets0.4300%185
Net operating income to assets0.9575%2,493
Return on assets (ROA)0.9582%2,478
Pretax return on assets1.0350%2,758
Return on Equity (ROE)9.5600%2,782
Retained earnings to average equity (ytd only)9.5646%1,532
Net charge-offs to loans0.3071%285
Credit loss provision to net charge-offs163.5412%1,259
Earnings coverage of net charge-offs (x)6.1436%2,315
Efficiency ratio57.4681%3,268
Assets per employee ($millions)9.8141%714
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.4280%1,341
Loan loss allowance to noncurrent loans249.1909%2,238
Noncurrent assets plus other real estate owned to assets0.4761%1,219
Noncurrent loans to loans0.5730%1,400
Net loans and leases to total assets81.8900%444
Net loans and leases to deposits100.1590%509
Net loans and leases to core deposits106.9841%976
Total domestic deposits to total assets81.7600%3,259
Equity capital to assets10.3986%1,598
Core capital (leverage) ratio11.0991%1,931
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9034%2,297
Memoranda:
Average total assets$2,464,331,750476
Average earning assets$2,328,638,500457
Average equity$246,876,500453
Average total loans$1,907,807,000423
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1104%1,351
Cost of funding earning assets2.2695%298
Net interest margin2.8409%3,751
Noninterest income to average assets0.6800%1,182
Noninterest expense to average assets1.9230%3,771
Loan and lease loss provision to assets0.4200%195
Net operating income to assets0.9557%2,561
Return on assets (ROA)0.9557%2,555
Pretax return on assets1.0329%2,822
Return on Equity (ROE)9.6600%2,804
Retained earnings to average equity (ytd only)9.6584%1,496
Net charge-offs to loans0.2984%282
Credit loss provision to net charge-offs168.5847%1,130
Earnings coverage of net charge-offs (x)6.4353%2,125
Efficiency ratio56.9862%3,306
Assets per employee ($millions)10.1869%639
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.4409%1,388
Loan loss allowance to noncurrent loans311.6742%2,102
Noncurrent assets plus other real estate owned to assets0.3426%1,546
Noncurrent loans to loans0.4623%1,557
Net loans and leases to total assets73.0400%1,406
Net loans and leases to deposits87.5902%1,383
Net loans and leases to core deposits97.9112%1,353
Total domestic deposits to total assets83.3900%2,960
Equity capital to assets9.6478%2,063
Core capital (leverage) ratio11.0446%1,891
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9545%2,315
Memoranda:
Average total assets$2,481,022,000457
Average earning assets$2,350,780,000441
Average equity$245,485,333446
Average total loans$1,875,152,667412
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0638%1,123
Cost of funding earning assets2.0990%236
Net interest margin2.9648%3,669
Noninterest income to average assets0.6800%1,161
Noninterest expense to average assets1.9304%3,791
Loan and lease loss provision to assets0.2600%353
Net operating income to assets1.1632%2,039
Return on assets (ROA)1.1620%2,005
Pretax return on assets1.2957%2,191
Return on Equity (ROE)11.5900%2,325
Retained earnings to average equity (ytd only)11.5890%1,343
Net charge-offs to loans0.2091%350
Credit loss provision to net charge-offs134.7466%991
Earnings coverage of net charge-offs (x)9.7508%1,680
Efficiency ratio55.3572%3,473
Assets per employee ($millions)10.4138%609
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.4140%1,568
Loan loss allowance to noncurrent loans508.3733%1,617
Noncurrent assets plus other real estate owned to assets0.2073%2,101
Noncurrent loans to loans0.2781%2,147
Net loans and leases to total assets72.6300%1,359
Net loans and leases to deposits84.9179%1,432
Net loans and leases to core deposits96.3359%1,262
Total domestic deposits to total assets85.5300%2,713
Equity capital to assets9.7289%1,979
Core capital (leverage) ratio11.0592%1,806
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1548%2,330
Memoranda:
Average total assets$2,422,706,000483
Average earning assets$2,291,949,000461
Average equity$242,919,500458
Average total loans$1,850,148,000423
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2392%1,177
Cost of funding earning assets0.7975%386
Net interest margin3.4417%2,128
Noninterest income to average assets0.7000%1,294
Noninterest expense to average assets2.0502%3,441
Loan and lease loss provision to assets0.0500%1,921
Net operating income to assets1.5393%797
Return on assets (ROA)1.5416%765
Pretax return on assets1.8655%634
Return on Equity (ROE)14.6300%1,358
Retained earnings to average equity (ytd only)10.3108%1,067
Net charge-offs to loans0.2902%264
Credit loss provision to net charge-offs33.9067%1,883
Earnings coverage of net charge-offs (x)8.2981%2,271
Efficiency ratio51.7497%4,005
Assets per employee ($millions)8.9320%942
Cash dividends to net income (ytd only)*29.5421%2,450
Condition Ratios (%)
Loss allowance to loans1.4559%1,324
Loan loss allowance to noncurrent loans683.3633%1,283
Noncurrent assets plus other real estate owned to assets0.1690%2,361
Noncurrent loans to loans0.2130%2,423
Net loans and leases to total assets78.1800%780
Net loans and leases to deposits104.1300%293
Net loans and leases to core deposits110.5392%592
Total domestic deposits to total assets75.0800%4,310
Equity capital to assets10.3552%1,531
Core capital (leverage) ratio11.0145%1,794
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0656%2,344
Memoranda:
Average total assets$2,195,715,000508
Average earning assets$2,080,479,200491
Average equity$231,309,800473
Average total loans$1,743,061,400421
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9773%1,313
Cost of funding earning assets0.4841%821
Net interest margin3.4932%1,681
Noninterest income to average assets0.6900%1,362
Noninterest expense to average assets2.0535%3,342
Loan and lease loss provision to assets-0.0100%4,370
Net operating income to assets1.6048%652
Return on assets (ROA)1.6080%627
Pretax return on assets1.9681%496
Return on Equity (ROE)15.2000%1,130
Retained earnings to average equity (ytd only)9.3851%1,522
Net charge-offs to loans0.1285%498
Credit loss provision to net charge-offs22.0012%1,621
Earnings coverage of net charge-offs (x)19.2043%1,733
Efficiency ratio51.1791%4,069
Assets per employee ($millions)8.7727%977
Cash dividends to net income (ytd only)*38.2365%1,663
Condition Ratios (%)
Loss allowance to loans1.5865%1,091
Loan loss allowance to noncurrent loans958.3751%1,007
Noncurrent assets plus other real estate owned to assets0.1353%2,660
Noncurrent loans to loans0.1655%2,769
Net loans and leases to total assets80.4300%497
Net loans and leases to deposits102.1039%299
Net loans and leases to core deposits104.2635%642
Total domestic deposits to total assets78.7700%4,196
Equity capital to assets10.3943%1,422
Core capital (leverage) ratio10.9602%1,768
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9760%2,482
Memoranda:
Average total assets$2,168,530,500511
Average earning assets$2,060,012,500497
Average equity$229,479,500470
Average total loans$1,721,760,000422
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7503%1,421
Cost of funding earning assets0.2559%2,183
Net interest margin3.4944%1,328
Noninterest income to average assets0.7166%1,268
Noninterest expense to average assets2.0025%3,423
Loan and lease loss provision to assets-0.0596%4,536
Net operating income to assets1.7045%426
Return on assets (ROA)1.7076%415
Pretax return on assets2.1059%291
Return on Equity (ROE)16.0391%693
Retained earnings to average equity (ytd only)7.3198%1,875
Net charge-offs to loans0.0546%841
Credit loss provision to net charge-offs-56.4935%3,052
Earnings coverage of net charge-offs (x)47.6234%1,180
Efficiency ratio49.5066%4,280
Assets per employee ($millions)8.5599%1,042
Cash dividends to net income (ytd only)*54.3626%1,223
Condition Ratios (%)
Loss allowance to loans1.6824%988
Loan loss allowance to noncurrent loans1,217.7010%801
Noncurrent assets plus other real estate owned to assets0.1131%2,915
Noncurrent loans to loans0.1382%3,016
Net loans and leases to total assets80.4849%370
Net loans and leases to deposits95.5812%449
Net loans and leases to core deposits96.2751%818
Total domestic deposits to total assets84.2058%3,644
Equity capital to assets10.6545%1,370
Core capital (leverage) ratio10.7356%1,774
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7315%2,190
Memoranda:
Average total assets$2,154,471,000511
Average earning assets$2,052,105,333501
Average equity$229,377,000475
Average total loans$1,693,421,333418
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5175%1,751
Cost of funding earning assets0.1817%3,066
Net interest margin3.3358%1,481
Noninterest income to average assets0.7780%1,094
Noninterest expense to average assets1.9332%3,599
Loan and lease loss provision to assets-0.2320%4,708
Net operating income to assets1.8338%305
Return on assets (ROA)1.8376%308
Pretax return on assets2.2723%237
Return on Equity (ROE)17.2659%392
Retained earnings to average equity (ytd only)17.2659%166
Net charge-offs to loans0.0570%736
Credit loss provision to net charge-offs-501.2605%3,146
Earnings coverage of net charge-offs (x)46.4076%949
Efficiency ratio48.7090%4,366
Assets per employee ($millions)9.5060%774
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.6859%1,075
Loan loss allowance to noncurrent loans1,145.2830%826
Noncurrent assets plus other real estate owned to assets0.1134%3,019
Noncurrent loans to loans0.1472%3,071
Net loans and leases to total assets75.7636%522
Net loans and leases to deposits86.1597%727
Net loans and leases to core deposits86.8567%1,086
Total domestic deposits to total assets87.9339%2,551
Equity capital to assets10.5989%1,546
Core capital (leverage) ratio10.8096%1,620
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4181%2,437
Memoranda:
Average total assets$2,170,280,500514
Average earning assets$2,076,020,500501
Average equity$230,976,000483
Average total loans$1,671,226,000423
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4788%2,724
Cost of funding earning assets0.1979%3,491
Net interest margin3.2810%2,360
Noninterest income to average assets0.8512%1,320
Noninterest expense to average assets1.8933%3,936
Loan and lease loss provision to assets0.0717%1,660
Net operating income to assets1.6336%733
Return on assets (ROA)1.6341%771
Pretax return on assets2.0136%588
Return on Equity (ROE)16.3745%695
Retained earnings to average equity (ytd only)16.3745%152
Net charge-offs to loans0.1093%807
Credit loss provision to net charge-offs108.9920%1,714
Earnings coverage of net charge-offs (x)25.2904%1,725
Efficiency ratio47.5962%4,430
Assets per employee ($millions)9.4897%788
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.8155%838
Loan loss allowance to noncurrent loans1,228.3723%755
Noncurrent assets plus other real estate owned to assets0.1137%3,136
Noncurrent loans to loans0.1478%3,199
Net loans and leases to total assets75.5490%543
Net loans and leases to deposits87.6149%672
Net loans and leases to core deposits88.3993%1,052
Total domestic deposits to total assets86.2285%2,827
Equity capital to assets10.6875%2,021
Core capital (leverage) ratio10.4458%1,956
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2859%2,535
Memoranda:
Average total assets$2,118,294,200506
Average earning assets$2,018,671,200492
Average equity$211,402,000514
Average total loans$1,597,795,800445
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4346%3,000
Cost of funding earning assets0.1975%3,628
Net interest margin3.2371%2,618
Noninterest income to average assets0.8439%1,399
Noninterest expense to average assets1.8664%4,017
Loan and lease loss provision to assets0.1576%699
Net operating income to assets1.5493%1,148
Return on assets (ROA)1.5499%1,192
Pretax return on assets1.9018%946
Return on Equity (ROE)15.8147%988
Retained earnings to average equity (ytd only)15.8147%312
Net charge-offs to loans0.1318%612
Credit loss provision to net charge-offs164.0077%1,304
Earnings coverage of net charge-offs (x)20.8073%1,719
Efficiency ratio47.5517%4,401
Assets per employee ($millions)9.1268%856
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.8828%797
Loan loss allowance to noncurrent loans1,162.4906%718
Noncurrent assets plus other real estate owned to assets0.1257%3,277
Noncurrent loans to loans0.1620%3,311
Net loans and leases to total assets76.1456%541
Net loans and leases to deposits89.2876%639
Net loans and leases to core deposits90.3417%1,011
Total domestic deposits to total assets85.2813%3,020
Equity capital to assets10.3933%2,536
Core capital (leverage) ratio10.3323%2,197
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0722%2,685
Memoranda:
Average total assets$2,111,701,000505
Average earning assets$2,009,976,750494
Average equity$206,949,500525
Average total loans$1,584,686,250452
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3797%3,231
Cost of funding earning assets0.1999%3,747
Net interest margin3.1798%2,812
Noninterest income to average assets0.8565%1,384
Noninterest expense to average assets1.8360%4,105
Loan and lease loss provision to assets0.2128%511
Net operating income to assets1.4990%1,295
Return on assets (ROA)1.4997%1,356
Pretax return on assets1.8318%1,162
Return on Equity (ROE)15.6171%1,036
Retained earnings to average equity (ytd only)15.6171%369
Net charge-offs to loans0.1753%480
Credit loss provision to net charge-offs128.6026%1,221
Earnings coverage of net charge-offs (x)15.7132%1,626
Efficiency ratio47.3235%4,439
Assets per employee ($millions)9.1410%820
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.9139%715
Loan loss allowance to noncurrent loans748.1665%923
Noncurrent assets plus other real estate owned to assets0.1954%2,978
Noncurrent loans to loans0.2558%3,021
Net loans and leases to total assets74.9076%686
Net loans and leases to deposits85.4599%948
Net loans and leases to core deposits86.5137%1,380
Total domestic deposits to total assets87.6524%2,015
Equity capital to assets10.2267%2,640
Core capital (leverage) ratio9.7453%2,655
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1517%2,665
Memoranda:
Average total assets$2,112,841,000498
Average earning assets$2,008,794,333487
Average equity$202,892,667528
Average total loans$1,567,525,000460
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3160%3,407
Cost of funding earning assets0.2013%3,903
Net interest margin3.1147%2,943
Noninterest income to average assets0.8398%1,489
Noninterest expense to average assets1.7787%4,253
Loan and lease loss provision to assets0.3954%197
Net operating income to assets1.3398%1,708
Return on assets (ROA)1.3414%1,791
Pretax return on assets1.6232%1,665
Return on Equity (ROE)14.4215%1,344
Retained earnings to average equity (ytd only)14.4215%706
Net charge-offs to loans0.1359%552
Credit loss provision to net charge-offs330.1318%724
Earnings coverage of net charge-offs (x)20.2844%1,250
Efficiency ratio46.8650%4,416
Assets per employee ($millions)9.4058%719
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.9785%622
Loan loss allowance to noncurrent loans657.3093%945
Noncurrent assets plus other real estate owned to assets0.2240%3,030
Noncurrent loans to loans0.3010%3,018
Net loans and leases to total assets72.9558%902
Net loans and leases to deposits83.4694%1,200
Net loans and leases to core deposits84.5208%1,634
Total domestic deposits to total assets87.4042%2,136
Equity capital to assets9.5453%3,154
Core capital (leverage) ratio9.1702%3,427
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6839%2,769
Memoranda:
Average total assets$2,136,332,500488
Average earning assets$2,027,279,500476
Average equity$198,704,000531
Average total loans$1,562,447,000464
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7809%3,356
Cost of funding earning assets0.3981%3,594
Net interest margin3.3828%2,825
Noninterest income to average assets1.0657%937
Noninterest expense to average assets1.9091%4,308
Loan and lease loss provision to assets1.0782%79
Net operating income to assets1.0325%2,168
Return on assets (ROA)1.0754%2,148
Pretax return on assets1.2914%2,006
Return on Equity (ROE)11.7104%1,406
Retained earnings to average equity (ytd only)11.7104%353
Net charge-offs to loans0.3381%520
Credit loss provision to net charge-offs439.7152%1,351
Earnings coverage of net charge-offs (x)9.4527%2,521
Efficiency ratio45.1657%4,749
Assets per employee ($millions)9.9347%544
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.9537%642
Loan loss allowance to noncurrent loans677.5451%913
Noncurrent assets plus other real estate owned to assets0.2073%3,253
Noncurrent loans to loans0.2884%3,167
Net loans and leases to total assets70.4761%1,497
Net loans and leases to deposits81.7699%1,681
Net loans and leases to core deposits83.4102%2,086
Total domestic deposits to total assets86.1884%2,280
Equity capital to assets9.0637%4,003
Core capital (leverage) ratio8.4792%4,224
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2428%2,854
Memoranda:
Average total assets$2,004,481,000476
Average earning assets$1,873,167,400469
Average equity$184,075,800549
Average total loans$1,453,622,800461
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8700%3,356
Cost of funding earning assets0.4589%3,476
Net interest margin3.4111%2,886
Noninterest income to average assets0.8938%1,241
Noninterest expense to average assets1.8346%4,432
Loan and lease loss provision to assets1.2615%83
Net operating income to assets0.8221%3,011
Return on assets (ROA)0.8821%2,895
Pretax return on assets1.0403%2,937
Return on Equity (ROE)9.5707%2,179
Retained earnings to average equity (ytd only)9.5707%852
Net charge-offs to loans0.3166%501
Credit loss provision to net charge-offs548.0094%1,220
Earnings coverage of net charge-offs (x)9.6930%2,410
Efficiency ratio45.1223%4,750
Assets per employee ($millions)10.3883%444
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.8570%639
Loan loss allowance to noncurrent loans566.6405%953
Noncurrent assets plus other real estate owned to assets0.2342%3,269
Noncurrent loans to loans0.3277%3,109
Net loans and leases to total assets68.7282%2,148
Net loans and leases to deposits78.1384%2,521
Net loans and leases to core deposits80.5501%2,796
Total domestic deposits to total assets87.9571%1,234
Equity capital to assets8.4164%4,510
Core capital (leverage) ratio7.8502%4,767
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1273%2,890
Memoranda:
Average total assets$1,964,160,250475
Average earning assets$1,826,475,250471
Average equity$181,020,250547
Average total loans$1,427,838,000462
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0408%3,222
Cost of funding earning assets0.5733%3,117
Net interest margin3.4676%2,896
Noninterest income to average assets0.9708%1,033
Noninterest expense to average assets1.7964%4,561
Loan and lease loss provision to assets1.1419%156
Net operating income to assets1.0286%2,224
Return on assets (ROA)1.0355%2,337
Pretax return on assets1.2439%2,203
Return on Equity (ROE)10.8641%1,678
Retained earnings to average equity (ytd only)10.8641%626
Net charge-offs to loans0.2958%536
Credit loss provision to net charge-offs523.5352%1,192
Earnings coverage of net charge-offs (x)10.8999%2,124
Efficiency ratio43.0390%4,833
Assets per employee ($millions)9.2650%633
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.5069%1,239
Loan loss allowance to noncurrent loans346.1431%1,388
Noncurrent assets plus other real estate owned to assets0.3311%2,982
Noncurrent loans to loans0.4353%2,860
Net loans and leases to total assets73.1334%1,540
Net loans and leases to deposits85.6894%1,801
Net loans and leases to core deposits88.7428%2,177
Total domestic deposits to total assets85.3471%2,256
Equity capital to assets9.2072%3,917
Core capital (leverage) ratio7.5719%4,894
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3999%2,857
Memoranda:
Average total assets$1,877,851,667486
Average earning assets$1,734,639,000488
Average equity$178,992,667549
Average total loans$1,384,851,333465
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2210%3,145
Cost of funding earning assets0.7534%2,652
Net interest margin3.4676%3,090
Noninterest income to average assets0.9616%931
Noninterest expense to average assets1.8908%4,555
Loan and lease loss provision to assets0.7010%377
Net operating income to assets1.2593%1,353
Return on assets (ROA)1.2607%1,447
Pretax return on assets1.5485%1,189
Return on Equity (ROE)12.9826%890
Retained earnings to average equity (ytd only)12.9826%325
Net charge-offs to loans0.3513%404
Credit loss provision to net charge-offs271.5870%1,243
Earnings coverage of net charge-offs (x)8.7082%1,857
Efficiency ratio45.6868%4,840
Assets per employee ($millions)9.2361%494
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1748%2,804
Loan loss allowance to noncurrent loans253.8164%1,746
Noncurrent assets plus other real estate owned to assets0.4919%2,519
Noncurrent loans to loans0.4628%2,863
Net loans and leases to total assets68.5469%2,462
Net loans and leases to deposits78.8132%2,796
Net loans and leases to core deposits83.8719%2,864
Total domestic deposits to total assets86.9740%1,564
Equity capital to assets9.2870%4,405
Core capital (leverage) ratio10.0744%3,372
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0280%3,090
Memoranda:
Average total assets$1,816,155,000485
Average earning assets$1,663,970,000489
Average equity$176,359,500555
Average total loans$1,334,291,500468
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4705%3,039
Cost of funding earning assets1.1317%1,222
Net interest margin3.3387%3,894
Noninterest income to average assets0.9346%1,107
Noninterest expense to average assets2.2558%4,052
Loan and lease loss provision to assets0.2058%980
Net operating income to assets1.2943%1,714
Return on assets (ROA)1.2952%1,785
Pretax return on assets1.5960%1,494
Return on Equity (ROE)13.3396%1,062
Retained earnings to average equity (ytd only)13.3396%149
Net charge-offs to loans0.2510%824
Credit loss provision to net charge-offs107.4491%2,312
Earnings coverage of net charge-offs (x)9.4028%2,666
Efficiency ratio55.6091%4,254
Assets per employee ($millions)8.0282%705
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.0317%3,312
Loan loss allowance to noncurrent loans214.2433%1,976
Noncurrent assets plus other real estate owned to assets0.5779%2,158
Noncurrent loans to loans0.4815%2,743
Net loans and leases to total assets77.3190%1,199
Net loans and leases to deposits90.2206%1,565
Net loans and leases to core deposits92.8205%2,174
Total domestic deposits to total assets85.7000%2,194
Equity capital to assets10.1911%3,739
Core capital (leverage) ratio9.9381%3,583
Tier 1 risk-based capital ratio10.9447%4,876
Total risk-based capital ratio11.8271%4,921
Memoranda:
Average total assets$1,668,296,000511
Average earning assets$1,559,986,000495
Average equity$161,976,400576
Average total loans$1,273,012,600475
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4851%3,105
Cost of funding earning assets1.2107%1,012
Net interest margin3.2744%4,139
Noninterest income to average assets0.9443%1,053
Noninterest expense to average assets2.2387%4,098
Loan and lease loss provision to assets0.2362%712
Net operating income to assets1.2429%2,040
Return on assets (ROA)1.2425%2,121
Pretax return on assets1.5307%1,869
Return on Equity (ROE)12.9619%1,291
Retained earnings to average equity (ytd only)12.9619%284
Net charge-offs to loans0.2738%640
Credit loss provision to net charge-offs113.7718%2,039
Earnings coverage of net charge-offs (x)8.5122%2,647
Efficiency ratio55.8817%4,178
Assets per employee ($millions)7.4903%842
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0724%3,162
Loan loss allowance to noncurrent loans202.2807%2,076
Noncurrent assets plus other real estate owned to assets0.6259%2,126
Noncurrent loans to loans0.5302%2,695
Net loans and leases to total assets76.7577%1,352
Net loans and leases to deposits93.0479%1,317
Net loans and leases to core deposits96.0967%1,982
Total domestic deposits to total assets82.4927%3,320
Equity capital to assets10.1220%3,888
Core capital (leverage) ratio9.8491%3,786
Tier 1 risk-based capital ratio10.8120%4,983
Total risk-based capital ratio11.7242%5,007
Memoranda:
Average total assets$1,659,876,750515
Average earning assets$1,552,161,750497
Average equity$159,108,250589
Average total loans$1,258,849,000481
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4433%3,202
Cost of funding earning assets1.2549%856
Net interest margin3.1884%4,390
Noninterest income to average assets0.9534%967
Noninterest expense to average assets2.2279%4,178
Loan and lease loss provision to assets0.2403%649
Net operating income to assets1.1950%2,166
Return on assets (ROA)1.1963%2,224
Pretax return on assets1.4734%1,943
Return on Equity (ROE)12.7185%1,330
Retained earnings to average equity (ytd only)12.7185%328
Net charge-offs to loans0.3215%528
Credit loss provision to net charge-offs99.3024%2,016
Earnings coverage of net charge-offs (x)7.0752%2,519
Efficiency ratio56.5470%4,184
Assets per employee ($millions)7.2990%886
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0575%3,296
Loan loss allowance to noncurrent loans184.2890%2,279
Noncurrent assets plus other real estate owned to assets0.7919%1,766
Noncurrent loans to loans0.5738%2,537
Net loans and leases to total assets76.0429%1,541
Net loans and leases to deposits87.8329%2,025
Net loans and leases to core deposits91.5189%2,462
Total domestic deposits to total assets86.5768%1,783
Equity capital to assets9.7924%4,144
Core capital (leverage) ratio9.3872%4,265
Tier 1 risk-based capital ratio10.6236%5,063
Total risk-based capital ratio11.5264%5,103
Memoranda:
Average total assets$1,658,888,670512
Average earning assets$1,553,807,670494
Average equity$156,040,000595
Average total loans$1,248,400,330483
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3613%3,368
Cost of funding earning assets1.2383%799
Net interest margin3.1230%4,548
Noninterest income to average assets0.9311%968
Noninterest expense to average assets2.1847%4,295
Loan and lease loss provision to assets0.2458%595
Net operating income to assets1.1664%2,194
Return on assets (ROA)1.1675%2,239
Pretax return on assets1.4273%1,994
Return on Equity (ROE)12.6720%1,330
Retained earnings to average equity (ytd only)12.6720%516
Net charge-offs to loans0.3275%466
Credit loss provision to net charge-offs100.7905%1,563
Earnings coverage of net charge-offs (x)6.8547%2,169
Efficiency ratio56.6519%4,256
Assets per employee ($millions)7.4319%843
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.0890%3,186
Loan loss allowance to noncurrent loans157.9508%2,578
Noncurrent assets plus other real estate owned to assets0.8678%1,633
Noncurrent loans to loans0.6894%2,296
Net loans and leases to total assets72.9449%1,997
Net loans and leases to deposits83.9070%2,399
Net loans and leases to core deposits91.6061%2,337
Total domestic deposits to total assets86.9354%1,848
Equity capital to assets9.2800%4,450
Core capital (leverage) ratio9.2087%4,462
Tier 1 risk-based capital ratio10.6574%5,130
Total risk-based capital ratio11.5947%5,142
Memoranda:
Average total assets$1,659,896,500514
Average earning assets$1,554,774,500497
Average equity$152,936,000602
Average total loans$1,235,900,500489
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2364%3,332
Cost of funding earning assets0.9314%992
Net interest margin3.3050%4,243
Noninterest income to average assets0.8798%1,228
Noninterest expense to average assets2.1086%4,541
Loan and lease loss provision to assets0.2332%763
Net operating income to assets1.2989%1,806
Return on assets (ROA)1.2983%1,797
Pretax return on assets1.6114%1,432
Return on Equity (ROE)13.8439%1,083
Retained earnings to average equity (ytd only)0.7131%4,797
Net charge-offs to loans0.2418%807
Credit loss provision to net charge-offs129.4427%2,040
Earnings coverage of net charge-offs (x)10.2429%2,742
Efficiency ratio53.3283%4,678
Assets per employee ($millions)7.1938%904
Cash dividends to net income (ytd only)*94.8490%353
Condition Ratios (%)
Loss allowance to loans1.0932%3,153
Loan loss allowance to noncurrent loans142.2541%2,803
Noncurrent assets plus other real estate owned to assets0.9500%1,442
Noncurrent loans to loans0.7685%2,081
Net loans and leases to total assets74.3601%1,874
Net loans and leases to deposits93.2375%1,371
Net loans and leases to core deposits105.7755%1,285
Total domestic deposits to total assets79.7535%4,158
Equity capital to assets9.1456%4,454
Core capital (leverage) ratio9.0369%4,617
Tier 1 risk-based capital ratio10.4322%5,209
Total risk-based capital ratio11.3790%5,215
Memoranda:
Average total assets$1,583,572,600521
Average earning assets$1,472,988,800510
Average equity$148,506,200580
Average total loans$1,180,049,600491
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1836%3,373
Cost of funding earning assets0.8325%1,184
Net interest margin3.3512%4,155
Noninterest income to average assets0.9051%1,184
Noninterest expense to average assets2.1396%4,454
Loan and lease loss provision to assets0.2365%680
Net operating income to assets1.3231%1,768
Return on assets (ROA)1.3219%1,780
Pretax return on assets1.6392%1,448
Return on Equity (ROE)14.0052%1,119
Retained earnings to average equity (ytd only)0.0540%5,026
Net charge-offs to loans0.2457%695
Credit loss provision to net charge-offs129.4884%1,901
Earnings coverage of net charge-offs (x)10.2777%2,597
Efficiency ratio53.2655%4,680
Assets per employee ($millions)6.9620%948
Cash dividends to net income (ytd only)*99.6144%267
Condition Ratios (%)
Loss allowance to loans1.1104%3,135
Loan loss allowance to noncurrent loans148.9285%2,769
Noncurrent assets plus other real estate owned to assets1.0635%1,354
Noncurrent loans to loans0.7456%2,225
Net loans and leases to total assets74.1460%1,959
Net loans and leases to deposits91.7508%1,654
Net loans and leases to core deposits100.1600%1,778
Total domestic deposits to total assets80.8124%3,913
Equity capital to assets9.2719%4,306
Core capital (leverage) ratio9.3232%4,370
Tier 1 risk-based capital ratio10.7546%5,150
Total risk-based capital ratio11.7222%5,164
Memoranda:
Average total assets$1,569,421,750519
Average earning assets$1,457,292,000510
Average equity$148,131,750576
Average total loans$1,166,782,750492
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1139%3,404
Cost of funding earning assets0.7419%1,420
Net interest margin3.3720%4,041
Noninterest income to average assets0.9137%1,144
Noninterest expense to average assets2.1159%4,564
Loan and lease loss provision to assets0.3043%458
Net operating income to assets1.3063%1,746
Return on assets (ROA)1.3050%1,748
Pretax return on assets1.6191%1,444
Return on Equity (ROE)13.7430%1,146
Retained earnings to average equity (ytd only)-3.1221%5,219
Net charge-offs to loans0.2924%546
Credit loss provision to net charge-offs140.3664%1,644
Earnings coverage of net charge-offs (x)8.8806%2,439
Efficiency ratio52.3619%4,851
Assets per employee ($millions)7.0831%889
Cash dividends to net income (ytd only)*122.7175%223
Condition Ratios (%)
Loss allowance to loans1.1244%3,124
Loan loss allowance to noncurrent loans246.1752%1,924
Noncurrent assets plus other real estate owned to assets0.8547%1,746
Noncurrent loans to loans0.4568%3,070
Net loans and leases to total assets74.1706%1,922
Net loans and leases to deposits91.2593%1,675
Net loans and leases to core deposits96.1425%2,049
Total domestic deposits to total assets81.2746%3,926
Equity capital to assets9.2347%4,348
Core capital (leverage) ratio9.1881%4,476
Tier 1 risk-based capital ratio10.6931%5,194
Total risk-based capital ratio11.6745%5,208
Memoranda:
Average total assets$1,561,130,670521
Average earning assets$1,447,813,670513
Average equity$148,235,330569
Average total loans$1,157,250,330493
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0114%3,565
Cost of funding earning assets0.6457%1,743
Net interest margin3.3657%4,010
Noninterest income to average assets0.9256%1,083
Noninterest expense to average assets2.1130%4,631
Loan and lease loss provision to assets0.2887%460
Net operating income to assets1.3289%1,545
Return on assets (ROA)1.3266%1,562
Pretax return on assets1.6449%1,258
Return on Equity (ROE)13.7786%1,062
Retained earnings to average equity (ytd only)0.3935%4,746
Net charge-offs to loans0.1340%1,002
Credit loss provision to net charge-offs292.4282%836
Earnings coverage of net charge-offs (x)19.6162%1,495
Efficiency ratio52.1800%4,952
Assets per employee ($millions)7.3166%841
Cash dividends to net income (ytd only)*97.1440%605
Condition Ratios (%)
Loss allowance to loans1.1632%3,019
Loan loss allowance to noncurrent loans205.8154%2,194
Noncurrent assets plus other real estate owned to assets0.9450%1,672
Noncurrent loans to loans0.5652%2,846
Net loans and leases to total assets73.6328%1,920
Net loans and leases to deposits87.3067%2,013
Net loans and leases to core deposits110.0909%1,005
Total domestic deposits to total assets84.3381%3,174
Equity capital to assets9.6469%3,946
Core capital (leverage) ratio9.6258%3,931
Tier 1 risk-based capital ratio11.2961%4,980
Total risk-based capital ratio12.3198%4,997
Memoranda:
Average total assets$1,551,925,000530
Average earning assets$1,440,407,500520
Average equity$149,420,000564
Average total loans$1,143,436,000504
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8750%3,801
Cost of funding earning assets0.4614%2,677
Net interest margin3.4137%3,804
Noninterest income to average assets0.8395%1,441
Noninterest expense to average assets2.1434%4,670
Loan and lease loss provision to assets0.2663%679
Net operating income to assets1.6208%628
Return on assets (ROA)1.6208%643
Pretax return on assets1.5911%1,317
Return on Equity (ROE)17.0800%390
Retained earnings to average equity (ytd only)12.7730%143
Net charge-offs to loans0.4450%542
Credit loss provision to net charge-offs82.5554%2,906
Earnings coverage of net charge-offs (x)5.7584%3,274
Efficiency ratio53.5748%4,981
Assets per employee ($millions)7.3242%835
Cash dividends to net income (ytd only)*25.2164%3,487
Condition Ratios (%)
Loss allowance to loans1.1119%3,282
Loan loss allowance to noncurrent loans224.4717%2,095
Noncurrent assets plus other real estate owned to assets0.8851%1,759
Noncurrent loans to loans0.4954%3,040
Net loans and leases to total assets72.0561%2,225
Net loans and leases to deposits88.3648%1,975
Net loans and leases to core deposits111.0305%948
Total domestic deposits to total assets81.5439%3,987
Equity capital to assets9.6094%4,133
Core capital (leverage) ratio9.5167%4,023
Tier 1 risk-based capital ratio11.3756%4,935
Total risk-based capital ratio12.3507%4,970
Memoranda:
Average total assets$1,468,023,600531
Average earning assets$1,359,445,200517
Average equity$139,309,400585
Average total loans$1,064,005,200507
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8458%3,848
Cost of funding earning assets0.4173%3,015
Net interest margin3.4285%3,745
Noninterest income to average assets0.8385%1,452
Noninterest expense to average assets2.1370%4,658
Loan and lease loss provision to assets0.2422%726
Net operating income to assets1.1914%1,731
Return on assets (ROA)1.1914%1,765
Pretax return on assets1.6317%1,307
Return on Equity (ROE)12.5975%1,150
Retained earnings to average equity (ytd only)8.6949%948
Net charge-offs to loans0.2434%881
Credit loss provision to net charge-offs137.5065%1,796
Earnings coverage of net charge-offs (x)10.6386%2,577
Efficiency ratio53.2804%4,989
Assets per employee ($millions)7.2759%836
Cash dividends to net income (ytd only)*30.9789%2,709
Condition Ratios (%)
Loss allowance to loans1.2754%2,483
Loan loss allowance to noncurrent loans96.2144%3,595
Noncurrent assets plus other real estate owned to assets1.0165%1,663
Noncurrent loans to loans1.3256%1,436
Net loans and leases to total assets74.3250%1,869
Net loans and leases to deposits94.2440%1,273
Net loans and leases to core deposits119.8400%592
Total domestic deposits to total assets78.8645%4,557
Equity capital to assets9.5670%4,377
Core capital (leverage) ratio9.4005%4,291
Tier 1 risk-based capital ratio11.1104%5,181
Total risk-based capital ratio12.2484%5,139
Memoranda:
Average total assets$1,445,016,250537
Average earning assets$1,337,083,500531
Average equity$136,659,000600
Average total loans$1,045,818,250514
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7963%3,909
Cost of funding earning assets0.3640%3,439
Net interest margin3.4323%3,662
Noninterest income to average assets0.8280%1,476
Noninterest expense to average assets2.1472%4,681
Loan and lease loss provision to assets0.2069%870
Net operating income to assets1.1983%1,601
Return on assets (ROA)1.1983%1,636
Pretax return on assets1.6413%1,221
Return on Equity (ROE)12.7215%1,106
Retained earnings to average equity (ytd only)9.0208%835
Net charge-offs to loans0.3067%661
Credit loss provision to net charge-offs94.5223%2,097
Earnings coverage of net charge-offs (x)8.4427%2,510
Efficiency ratio53.7412%5,037
Assets per employee ($millions)6.8316%998
Cash dividends to net income (ytd only)*29.0901%2,807
Condition Ratios (%)
Loss allowance to loans1.2796%2,513
Loan loss allowance to noncurrent loans179.8629%2,434
Noncurrent assets plus other real estate owned to assets0.5455%2,945
Noncurrent loans to loans0.7114%2,620
Net loans and leases to total assets72.6436%2,101
Net loans and leases to deposits85.6266%2,270
Net loans and leases to core deposits112.3118%891
Total domestic deposits to total assets84.8376%2,875
Equity capital to assets9.7382%4,190
Core capital (leverage) ratio9.5650%4,054
Tier 1 risk-based capital ratio11.4555%4,985
Total risk-based capital ratio12.5856%4,950
Memoranda:
Average total assets$1,434,354,330543
Average earning assets$1,323,673,670536
Average equity$135,110,330608
Average total loans$1,023,769,670530
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6907%4,136
Cost of funding earning assets0.2934%4,112
Net interest margin3.3973%3,660
Noninterest income to average assets0.8219%1,479
Noninterest expense to average assets2.1312%4,791
Loan and lease loss provision to assets0.2581%565
Net operating income to assets1.1492%1,671
Return on assets (ROA)1.1492%1,709
Pretax return on assets1.5694%1,313
Return on Equity (ROE)12.4066%1,132
Retained earnings to average equity (ytd only)9.4099%943
Net charge-offs to loans0.3254%567
Credit loss provision to net charge-offs112.8641%1,459
Earnings coverage of net charge-offs (x)7.9903%2,093
Efficiency ratio53.8354%5,143
Assets per employee ($millions)7.2801%826
Cash dividends to net income (ytd only)*24.1546%2,440
Condition Ratios (%)
Loss allowance to loans1.3368%2,347
Loan loss allowance to noncurrent loans157.5941%2,730
Noncurrent assets plus other real estate owned to assets0.6386%2,721
Noncurrent loans to loans0.8483%2,338
Net loans and leases to total assets68.4526%2,612
Net loans and leases to deposits79.4294%2,823
Net loans and leases to core deposits103.0140%1,289
Total domestic deposits to total assets86.1804%2,590
Equity capital to assets9.2324%4,583
Core capital (leverage) ratio9.2461%4,417
Tier 1 risk-based capital ratio11.4351%5,073
Total risk-based capital ratio12.6120%5,013
Memoranda:
Average total assets$1,441,045,500541
Average earning assets$1,330,584,500532
Average equity$133,477,000612
Average total loans$1,012,842,000535
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7921%3,934
Cost of funding earning assets0.3025%4,039
Net interest margin3.4896%3,474
Noninterest income to average assets0.8330%1,636
Noninterest expense to average assets2.5755%3,760
Loan and lease loss provision to assets0.2974%639
Net operating income to assets0.8652%3,001
Return on assets (ROA)1.0995%1,999
Pretax return on assets1.4928%1,601
Return on Equity (ROE)11.8500%1,291
Retained earnings to average equity (ytd only)3.0073%3,763
Net charge-offs to loans0.2785%988
Credit loss provision to net charge-offs155.4644%1,770
Earnings coverage of net charge-offs (x)7.7046%2,977
Efficiency ratio63.6063%4,010
Assets per employee ($millions)6.8873%964
Cash dividends to net income (ytd only)*74.6220%1,112
Condition Ratios (%)
Loss allowance to loans1.3327%2,372
Loan loss allowance to noncurrent loans150.2064%2,808
Noncurrent assets plus other real estate owned to assets0.6783%2,680
Noncurrent loans to loans0.8872%2,327
Net loans and leases to total assets70.2696%2,425
Net loans and leases to deposits88.5456%1,864
Net loans and leases to core deposits115.9030%620
Total domestic deposits to total assets79.3598%4,705
Equity capital to assets9.2936%4,480
Core capital (leverage) ratio9.1788%4,509
Tier 1 risk-based capital ratio11.1165%5,278
Total risk-based capital ratio12.2722%5,225
Memoranda:
Average total assets$1,401,690,200534
Average earning assets$1,291,860,600526
Average equity$130,050,800616
Average total loans$962,567,200526
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7820%3,974
Cost of funding earning assets0.3294%3,785
Net interest margin3.4526%3,660
Noninterest income to average assets0.8479%1,582
Noninterest expense to average assets2.6992%3,349
Loan and lease loss provision to assets0.2966%575
Net operating income to assets0.7637%3,538
Return on assets (ROA)1.0762%2,201
Pretax return on assets1.4607%1,853
Return on Equity (ROE)11.6047%1,455
Retained earnings to average equity (ytd only)-0.2263%5,401
Net charge-offs to loans0.3037%758
Credit loss provision to net charge-offs143.6028%1,828
Earnings coverage of net charge-offs (x)6.4628%2,999
Efficiency ratio66.9079%3,442
Assets per employee ($millions)7.0546%873
Cash dividends to net income (ytd only)*101.9504%364
Condition Ratios (%)
Loss allowance to loans1.2993%2,693
Loan loss allowance to noncurrent loans151.6072%2,766
Noncurrent assets plus other real estate owned to assets0.6472%2,961
Noncurrent loans to loans0.8570%2,542
Net loans and leases to total assets68.5512%2,716
Net loans and leases to deposits88.4010%1,961
Net loans and leases to core deposits115.7642%666
Total domestic deposits to total assets77.5458%4,994
Equity capital to assets9.0532%5,124
Core capital (leverage) ratio8.8585%4,994
Tier 1 risk-based capital ratio10.6189%5,564
Total risk-based capital ratio11.7132%5,560
Memoranda:
Average total assets$1,397,415,750535
Average earning assets$1,289,621,250530
Average equity$129,599,500616
Average total loans$950,598,250532
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7738%4,042
Cost of funding earning assets0.3278%3,816
Net interest margin3.4460%3,705
Noninterest income to average assets0.8536%1,531
Noninterest expense to average assets2.3481%4,474
Loan and lease loss provision to assets0.2844%646
Net operating income to assets1.0417%2,217
Return on assets (ROA)1.0640%2,232
Pretax return on assets1.4509%1,835
Return on Equity (ROE)11.3796%1,519
Retained earnings to average equity (ytd only)8.2928%1,073
Net charge-offs to loans0.2586%927
Credit loss provision to net charge-offs162.8926%1,512
Earnings coverage of net charge-offs (x)9.7628%2,387
Efficiency ratio57.9369%4,911
Assets per employee ($millions)7.0302%866
Cash dividends to net income (ytd only)*27.1260%2,948
Condition Ratios (%)
Loss allowance to loans1.3149%2,707
Loan loss allowance to noncurrent loans158.9321%2,751
Noncurrent assets plus other real estate owned to assets0.6661%3,006
Noncurrent loans to loans0.8273%2,677
Net loans and leases to total assets67.6661%2,829
Net loans and leases to deposits91.1459%1,614
Net loans and leases to core deposits113.9443%728
Total domestic deposits to total assets74.2394%5,492
Equity capital to assets9.5830%4,690
Core capital (leverage) ratio9.4216%4,308
Tier 1 risk-based capital ratio11.6327%5,073
Total risk-based capital ratio12.7641%5,028
Memoranda:
Average total assets$1,385,862,670541
Average earning assets$1,286,654,670532
Average equity$129,583,000619
Average total loans$935,921,670539
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7411%4,165
Cost of funding earning assets0.3316%3,822
Net interest margin3.4095%3,843
Noninterest income to average assets0.7996%1,615
Noninterest expense to average assets2.4637%4,188
Loan and lease loss provision to assets0.3565%416
Net operating income to assets0.8777%2,863
Return on assets (ROA)0.9240%2,737
Pretax return on assets1.2362%2,552
Return on Equity (ROE)10.0105%1,979
Retained earnings to average equity (ytd only)3.6947%3,643
Net charge-offs to loans0.3085%702
Credit loss provision to net charge-offs172.4965%1,188
Earnings coverage of net charge-offs (x)7.4076%2,153
Efficiency ratio61.6754%4,493
Assets per employee ($millions)6.8293%959
Cash dividends to net income (ytd only)*63.0915%1,364
Condition Ratios (%)
Loss allowance to loans1.3137%2,833
Loan loss allowance to noncurrent loans156.7110%2,687
Noncurrent assets plus other real estate owned to assets0.7060%2,948
Noncurrent loans to loans0.8383%2,747
Net loans and leases to total assets67.6949%2,692
Net loans and leases to deposits91.1770%1,442
Net loans and leases to core deposits111.9079%756
Total domestic deposits to total assets74.2455%5,595
Equity capital to assets9.2559%4,936
Core capital (leverage) ratio9.1198%4,707
Tier 1 risk-based capital ratio10.9169%5,541
Total risk-based capital ratio12.0108%5,535
Memoranda:
Average total assets$1,372,262,500545
Average earning assets$1,285,932,000535
Average equity$126,667,500634
Average total loans$919,430,000545
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6516%4,517
Cost of funding earning assets0.4166%2,981
Net interest margin3.2350%4,513
Noninterest income to average assets0.9833%1,220
Noninterest expense to average assets2.5100%4,198
Loan and lease loss provision to assets0.3278%494
Net operating income to assets0.8581%3,074
Return on assets (ROA)0.8829%3,053
Pretax return on assets1.2130%2,609
Return on Equity (ROE)10.4706%1,816
Retained earnings to average equity (ytd only)6.1535%1,721
Net charge-offs to loans0.4185%682
Credit loss provision to net charge-offs125.7776%2,066
Earnings coverage of net charge-offs (x)5.7823%3,330
Efficiency ratio62.4867%4,536
Assets per employee ($millions)6.7237%996
Cash dividends to net income (ytd only)*41.2310%2,782
Condition Ratios (%)
Loss allowance to loans1.3492%2,671
Loan loss allowance to noncurrent loans150.4710%2,804
Noncurrent assets plus other real estate owned to assets0.7449%2,823
Noncurrent loans to loans0.8966%2,548
Net loans and leases to total assets64.4910%3,200
Net loans and leases to deposits94.0113%1,200
Net loans and leases to core deposits109.8367%859
Total domestic deposits to total assets68.5992%5,953
Equity capital to assets9.2047%4,901
Core capital (leverage) ratio8.8659%5,043
Tier 1 risk-based capital ratio11.3921%5,318
Total risk-based capital ratio12.4971%5,297
Memoranda:
Average total assets$1,332,316,200537
Average earning assets$1,249,359,000524
Average equity$112,343,000682
Average total loans$829,672,800564
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6361%4,624
Cost of funding earning assets0.4450%2,732
Net interest margin3.1911%4,699
Noninterest income to average assets1.0109%1,160
Noninterest expense to average assets2.6434%3,742
Loan and lease loss provision to assets0.3486%385
Net operating income to assets0.7436%3,713
Return on assets (ROA)0.7726%3,659
Pretax return on assets1.0494%3,419
Return on Equity (ROE)9.3829%2,363
Retained earnings to average equity (ytd only)4.4979%3,268
Net charge-offs to loans0.5110%470
Credit loss provision to net charge-offs110.9795%2,105
Earnings coverage of net charge-offs (x)4.3252%3,367
Efficiency ratio66.0485%3,883
Assets per employee ($millions)6.6885%984
Cash dividends to net income (ytd only)*52.0630%1,786
Condition Ratios (%)
Loss allowance to loans1.3384%2,913
Loan loss allowance to noncurrent loans133.1818%3,041
Noncurrent assets plus other real estate owned to assets0.7677%2,981
Noncurrent loans to loans1.0050%2,469
Net loans and leases to total assets62.3450%3,556
Net loans and leases to deposits91.5662%1,457
Net loans and leases to core deposits103.9447%1,235
Total domestic deposits to total assets68.0873%6,039
Equity capital to assets9.1398%5,172
Core capital (leverage) ratio8.9736%5,022
Tier 1 risk-based capital ratio11.5448%5,348
Total risk-based capital ratio12.6417%5,343
Memoranda:
Average total assets$1,325,850,500541
Average earning assets$1,242,799,500529
Average equity$109,174,750706
Average total loans$815,120,500576
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5800%4,779
Cost of funding earning assets0.4986%2,262
Net interest margin3.0814%5,013
Noninterest income to average assets0.9638%1,264
Noninterest expense to average assets2.8331%3,123
Loan and lease loss provision to assets0.3880%315
Net operating income to assets0.5056%4,742
Return on assets (ROA)0.5461%4,684
Pretax return on assets0.6803%4,721
Return on Equity (ROE)6.8905%3,678
Retained earnings to average equity (ytd only)3.0593%4,096
Net charge-offs to loans0.2453%1,061
Credit loss provision to net charge-offs259.7561%1,022
Earnings coverage of net charge-offs (x)6.8130%2,737
Efficiency ratio73.5709%2,740
Assets per employee ($millions)6.4543%1,077
Cash dividends to net income (ytd only)*55.6019%1,716
Condition Ratios (%)
Loss allowance to loans1.5197%2,209
Loan loss allowance to noncurrent loans118.5796%3,305
Noncurrent assets plus other real estate owned to assets1.0184%2,476
Noncurrent loans to loans1.2816%2,110
Net loans and leases to total assets61.9848%3,550
Net loans and leases to deposits88.2045%1,810
Net loans and leases to core deposits94.9894%1,880
Total domestic deposits to total assets70.2740%6,026
Equity capital to assets9.0243%5,211
Core capital (leverage) ratio8.8614%5,145
Tier 1 risk-based capital ratio11.6569%5,363
Total risk-based capital ratio12.9052%5,283
Memoranda:
Average total assets$1,317,442,330538
Average earning assets$1,234,314,330531
Average equity$104,404,670746
Average total loans$802,242,330583
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5741%4,768
Cost of funding earning assets0.5597%1,757
Net interest margin3.0144%5,176
Noninterest income to average assets0.9122%1,349
Noninterest expense to average assets2.3189%4,832
Loan and lease loss provision to assets0.2684%585
Net operating income to assets0.8313%3,106
Return on assets (ROA)0.9052%2,843
Pretax return on assets1.2484%2,476
Return on Equity (ROE)12.2801%1,273
Retained earnings to average equity (ytd only)8.1523%1,509
Net charge-offs to loans0.2674%895
Credit loss provision to net charge-offs167.6806%1,167
Earnings coverage of net charge-offs (x)8.8441%2,053
Efficiency ratio62.0957%4,779
Assets per employee ($millions)6.3206%1,177
Cash dividends to net income (ytd only)*33.6134%2,235
Condition Ratios (%)
Loss allowance to loans1.4473%2,691
Loan loss allowance to noncurrent loans97.0561%3,746
Noncurrent assets plus other real estate owned to assets1.1785%2,280
Noncurrent loans to loans1.4912%1,896
Net loans and leases to total assets60.4160%3,595
Net loans and leases to deposits92.0706%1,179
Net loans and leases to core deposits96.0972%1,604
Total domestic deposits to total assets65.6193%6,247
Equity capital to assets7.6637%6,135
Core capital (leverage) ratio7.2396%6,210
Tier 1 risk-based capital ratio9.8385%6,206
Total risk-based capital ratio11.0139%6,188
Memoranda:
Average total assets$1,314,595,500537
Average earning assets$1,230,752,500526
Average equity$96,905,000797
Average total loans$786,964,000591
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6158%5,044
Cost of funding earning assets0.5945%1,810
Net interest margin3.0213%5,403
Noninterest income to average assets0.7862%1,927
Noninterest expense to average assets2.2000%5,358
Loan and lease loss provision to assets0.2936%703
Net operating income to assets0.8041%3,351
Return on assets (ROA)0.8073%3,427
Pretax return on assets1.1197%3,008
Return on Equity (ROE)11.6054%1,525
Retained earnings to average equity (ytd only)2.1665%4,696
Net charge-offs to loans0.2811%1,543
Credit loss provision to net charge-offs184.0678%1,327
Earnings coverage of net charge-offs (x)8.8324%2,822
Efficiency ratio60.9302%5,083
Assets per employee ($millions)6.9419%878
Cash dividends to net income (ytd only)*81.3319%860
Condition Ratios (%)
Loss allowance to loans1.4147%2,883
Loan loss allowance to noncurrent loans86.3576%4,056
Noncurrent assets plus other real estate owned to assets1.2076%2,360
Noncurrent loans to loans1.6382%1,792
Net loans and leases to total assets57.6508%4,096
Net loans and leases to deposits94.9113%1,003
Net loans and leases to core deposits104.0227%1,127
Total domestic deposits to total assets60.7418%6,396
Equity capital to assets7.0902%6,314
Core capital (leverage) ratio7.1026%6,296
Tier 1 risk-based capital ratio10.0715%6,240
Total risk-based capital ratio11.2618%6,204
Memoranda:
Average total assets$1,294,533,000522
Average earning assets$1,209,435,800510
Average equity$90,053,000813
Average total loans$734,737,000591
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6356%5,052
Cost of funding earning assets0.6022%1,806
Net interest margin3.0334%5,428
Noninterest income to average assets0.8057%1,874
Noninterest expense to average assets2.2252%5,300
Loan and lease loss provision to assets0.1849%1,325
Net operating income to assets0.8767%3,037
Return on assets (ROA)0.8809%3,114
Pretax return on assets1.2312%2,646
Return on Equity (ROE)12.7269%1,292
Retained earnings to average equity (ytd only)1.4681%5,310
Net charge-offs to loans0.1367%2,427
Credit loss provision to net charge-offs240.2159%1,095
Earnings coverage of net charge-offs (x)18.3184%1,849
Efficiency ratio61.1775%5,011
Assets per employee ($millions)6.6352%953
Cash dividends to net income (ytd only)*88.4642%559
Condition Ratios (%)
Loss allowance to loans1.3657%3,323
Loan loss allowance to noncurrent loans65.2245%4,630
Noncurrent assets plus other real estate owned to assets1.4745%2,089
Noncurrent loans to loans2.0938%1,495
Net loans and leases to total assets57.9793%4,075
Net loans and leases to deposits85.8451%1,923
Net loans and leases to core deposits96.2669%1,654
Total domestic deposits to total assets67.5395%6,364
Equity capital to assets7.0833%6,368
Core capital (leverage) ratio7.2323%6,345
Tier 1 risk-based capital ratio10.2640%6,281
Total risk-based capital ratio11.4128%6,269
Memoranda:
Average total assets$1,283,217,500527
Average earning assets$1,197,138,500513
Average equity$88,817,750831
Average total loans$722,549,750600
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6261%5,082
Cost of funding earning assets0.6050%1,864
Net interest margin3.0211%5,459
Noninterest income to average assets0.7910%1,872
Noninterest expense to average assets2.1967%5,423
Loan and lease loss provision to assets0.1829%1,337
Net operating income to assets0.8701%2,956
Return on assets (ROA)0.8724%3,035
Pretax return on assets1.2283%2,541
Return on Equity (ROE)12.7045%1,258
Retained earnings to average equity (ytd only)-0.9514%5,848
Net charge-offs to loans0.0485%3,280
Credit loss provision to net charge-offs680.2326%462
Earnings coverage of net charge-offs (x)52.3721%884
Efficiency ratio60.9114%5,154
Assets per employee ($millions)6.6925%929
Cash dividends to net income (ytd only)*107.4884%446
Condition Ratios (%)
Loss allowance to loans1.3917%3,399
Loan loss allowance to noncurrent loans115.4559%3,314
Noncurrent assets plus other real estate owned to assets0.9412%3,185
Noncurrent loans to loans1.2054%2,823
Net loans and leases to total assets56.4617%4,209
Net loans and leases to deposits85.9641%1,818
Net loans and leases to core deposits94.2372%1,750
Total domestic deposits to total assets65.6805%6,484
Equity capital to assets7.0002%6,443
Core capital (leverage) ratio7.1302%6,409
Tier 1 risk-based capital ratio10.4080%6,279
Total risk-based capital ratio11.5861%6,258
Memoranda:
Average total assets$1,279,668,000529
Average earning assets$1,191,762,330516
Average equity$87,874,330832
Average total loans$709,879,000608
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6360%5,049
Cost of funding earning assets0.6209%1,805
Net interest margin3.0152%5,487
Noninterest income to average assets0.8014%1,741
Noninterest expense to average assets2.2073%5,443
Loan and lease loss provision to assets0.1918%1,235
Net operating income to assets0.8643%2,830
Return on assets (ROA)0.8687%2,869
Pretax return on assets1.2176%2,405
Return on Equity (ROE)12.7778%1,215
Retained earnings to average equity (ytd only)3.5152%4,022
Net charge-offs to loans0.0254%3,062
Credit loss provision to net charge-offs1,384.0909%243
Earnings coverage of net charge-offs (x)101.2727%452
Efficiency ratio61.1111%5,253
Assets per employee ($millions)6.9050%835
Cash dividends to net income (ytd only)*72.4900%1,097
Condition Ratios (%)
Loss allowance to loans1.4144%3,526
Loan loss allowance to noncurrent loans125.0221%3,054
Noncurrent assets plus other real estate owned to assets0.9357%3,385
Noncurrent loans to loans1.1313%3,159
Net loans and leases to total assets53.8003%4,448
Net loans and leases to deposits79.3187%2,391
Net loans and leases to core deposits86.6315%2,247
Total domestic deposits to total assets67.8280%6,522
Equity capital to assets6.9065%6,467
Core capital (leverage) ratio7.0728%6,452
Tier 1 risk-based capital ratio10.9102%6,186
Total risk-based capital ratio12.0784%6,179
Memoranda:
Average total assets$1,270,332,500534
Average earning assets$1,183,482,500520
Average equity$86,368,500849
Average total loans$693,113,500625
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6490%5,282
Cost of funding earning assets0.6981%1,830
Net interest margin2.9509%5,677
Noninterest income to average assets0.9176%1,620
Noninterest expense to average assets2.3242%5,304
Loan and lease loss provision to assets0.2743%1,279
Net operating income to assets0.7854%3,367
Return on assets (ROA)0.8309%3,216
Pretax return on assets1.1151%2,902
Return on Equity (ROE)11.4557%1,613
Retained earnings to average equity (ytd only)1.4196%5,185
Net charge-offs to loans0.3335%2,005
Credit loss provision to net charge-offs148.7933%1,562
Earnings coverage of net charge-offs (x)7.2409%2,884
Efficiency ratio63.4901%4,989
Assets per employee ($millions)6.5434%969
Cash dividends to net income (ytd only)*87.6083%705
Condition Ratios (%)
Loss allowance to loans1.3640%3,827
Loan loss allowance to noncurrent loans122.1003%3,113
Noncurrent assets plus other real estate owned to assets0.9332%3,571
Noncurrent loans to loans1.1171%3,302
Net loans and leases to total assets53.8068%4,605
Net loans and leases to deposits81.1078%2,311
Net loans and leases to core deposits92.7129%1,702
Total domestic deposits to total assets66.3398%6,625
Equity capital to assets6.6889%6,533
Core capital (leverage) ratio7.1280%6,493
Tier 1 risk-based capital ratio11.1214%6,110
Total risk-based capital ratio12.2536%6,115
Memoranda:
Average total assets$1,236,335,400526
Average earning assets$1,148,528,200515
Average equity$89,676,000786
Average total loans$683,380,200612
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6618%5,272
Cost of funding earning assets0.7010%1,939
Net interest margin2.9608%5,681
Noninterest income to average assets0.9037%1,748
Noninterest expense to average assets2.3096%5,305
Loan and lease loss provision to assets0.2223%1,637
Net operating income to assets0.7765%3,478
Return on assets (ROA)0.8352%3,292
Pretax return on assets1.1922%2,738
Return on Equity (ROE)11.2901%1,710
Retained earnings to average equity (ytd only)-0.4201%6,026
Net charge-offs to loans0.2753%2,173
Credit loss provision to net charge-offs145.6028%1,620
Earnings coverage of net charge-offs (x)8.7851%2,577
Efficiency ratio63.2292%4,939
Assets per employee ($millions)6.7140%846
Cash dividends to net income (ytd only)*103.7210%372
Condition Ratios (%)
Loss allowance to loans1.2782%4,509
Loan loss allowance to noncurrent loans92.9738%3,656
Noncurrent assets plus other real estate owned to assets1.0978%3,459
Noncurrent loans to loans1.3748%3,117
Net loans and leases to total assets54.3281%4,557
Net loans and leases to deposits84.7960%1,763
Net loans and leases to core deposits97.1711%1,301
Total domestic deposits to total assets64.0692%6,750
Equity capital to assets6.7564%6,602
Core capital (leverage) ratio7.1966%6,546
Tier 1 risk-based capital ratio10.7523%6,381
Total risk-based capital ratio11.8100%6,407
Memoranda:
Average total assets$1,231,333,750532
Average earning assets$1,142,508,750520
Average equity$91,086,250778
Average total loans$682,889,000614
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6820%5,204
Cost of funding earning assets0.7052%2,031
Net interest margin2.9768%5,624
Noninterest income to average assets0.8856%1,870
Noninterest expense to average assets2.3113%5,338
Loan and lease loss provision to assets0.2257%1,674
Net operating income to assets0.7715%3,458
Return on assets (ROA)0.8114%3,387
Pretax return on assets1.1530%2,870
Return on Equity (ROE)10.6513%1,944
Retained earnings to average equity (ytd only)-2.2489%6,219
Net charge-offs to loans0.2881%2,043
Credit loss provision to net charge-offs140.8998%1,608
Earnings coverage of net charge-offs (x)8.3569%2,406
Efficiency ratio63.2920%4,963
Assets per employee ($millions)6.3391%988
Cash dividends to net income (ytd only)*121.1143%334
Condition Ratios (%)
Loss allowance to loans1.2553%4,717
Loan loss allowance to noncurrent loans72.9392%4,292
Noncurrent assets plus other real estate owned to assets1.2173%3,318
Noncurrent loans to loans1.7210%2,734
Net loans and leases to total assets54.6757%4,498
Net loans and leases to deposits82.5917%1,980
Net loans and leases to core deposits102.5758%909
Total domestic deposits to total assets66.2000%6,754
Equity capital to assets6.8698%6,628
Core capital (leverage) ratio7.1488%6,577
Tier 1 risk-based capital ratio10.9501%6,358
Total risk-based capital ratio12.0068%6,394
Memoranda:
Average total assets$1,221,033,670537
Average earning assets$1,133,898,330524
Average equity$93,021,330756
Average total loans$678,976,330616
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7090%5,130
Cost of funding earning assets0.7179%2,076
Net interest margin2.9911%5,593
Noninterest income to average assets0.9079%1,731
Noninterest expense to average assets2.3518%5,265
Loan and lease loss provision to assets0.1183%2,752
Net operating income to assets0.8315%2,998
Return on assets (ROA)0.9122%2,744
Pretax return on assets1.2916%2,258
Return on Equity (ROE)11.3986%1,591
Retained earnings to average equity (ytd only)3.1387%4,382
Net charge-offs to loans0.0421%3,448
Credit loss provision to net charge-offs504.2254%519
Earnings coverage of net charge-offs (x)56.6479%618
Efficiency ratio63.8625%5,026
Assets per employee ($millions)6.4912%987
Cash dividends to net income (ytd only)*72.4638%1,034
Condition Ratios (%)
Loss allowance to loans1.2706%4,846
Loan loss allowance to noncurrent loans98.6458%3,393
Noncurrent assets plus other real estate owned to assets0.9723%3,984
Noncurrent loans to loans1.2881%3,626
Net loans and leases to total assets53.6965%4,464
Net loans and leases to deposits83.8326%1,615
Net loans and leases to core deposits95.1177%1,260
Total domestic deposits to total assets64.0520%6,876
Equity capital to assets7.8620%6,448
Core capital (leverage) ratio7.5705%6,441
Tier 1 risk-based capital ratio11.5474%6,156
Total risk-based capital ratio12.6254%6,222
Memoranda:
Average total assets$1,210,314,000549
Average earning assets$1,122,141,500532
Average equity$96,854,000745
Average total loans$674,481,000624
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0618%5,102
Cost of funding earning assets0.8674%2,162
Net interest margin3.1944%5,582
Noninterest income to average assets0.9739%1,619
Noninterest expense to average assets2.3838%5,455
Loan and lease loss provision to assets0.1330%3,962
Net operating income to assets0.9705%2,461
Return on assets (ROA)0.9338%2,875
Pretax return on assets1.3609%2,173
Return on Equity (ROE)11.1713%1,750
Retained earnings to average equity (ytd only)4.4052%3,130
Net charge-offs to loans0.2064%3,733
Credit loss provision to net charge-offs114.2003%2,546
Earnings coverage of net charge-offs (x)13.1286%1,861
Efficiency ratio60.9012%5,402
Assets per employee ($millions)6.0887%1,226
Cash dividends to net income (ytd only)*60.5665%1,766
Condition Ratios (%)
Loss allowance to loans1.2144%5,048
Loan loss allowance to noncurrent loans101.1172%3,305
Noncurrent assets plus other real estate owned to assets1.0034%4,029
Noncurrent loans to loans1.2010%3,852
Net loans and leases to total assets56.4263%4,220
Net loans and leases to deposits93.6541%772
Net loans and leases to core deposits102.2373%881
Total domestic deposits to total assets60.2497%6,970
Equity capital to assets8.1482%6,322
Core capital (leverage) ratio7.7405%6,381
Tier 1 risk-based capital ratio11.1053%6,311
Total risk-based capital ratio12.1156%6,370
Memoranda:
Average total assets$1,149,278,600570
Average earning assets$1,057,166,800555
Average equity$96,068,000735
Average total loans$648,364,800638
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1331%5,068
Cost of funding earning assets0.8861%2,262
Net interest margin3.2470%5,559
Noninterest income to average assets0.9782%1,571
Noninterest expense to average assets2.3832%5,444
Loan and lease loss provision to assets0.1331%3,878
Net operating income to assets1.0099%2,456
Return on assets (ROA)0.9605%2,915
Pretax return on assets1.4026%2,226
Return on Equity (ROE)11.4159%1,816
Retained earnings to average equity (ytd only)5.1595%3,248
Net charge-offs to loans0.2141%3,446
Credit loss provision to net charge-offs110.5928%2,654
Earnings coverage of net charge-offs (x)13.1448%1,945
Efficiency ratio60.0667%5,484
Assets per employee ($millions)5.9010%1,307
Cash dividends to net income (ytd only)*54.8045%1,477
Condition Ratios (%)
Loss allowance to loans1.2381%5,104
Loan loss allowance to noncurrent loans115.1836%2,872
Noncurrent assets plus other real estate owned to assets0.9617%4,361
Noncurrent loans to loans1.0749%4,292
Net loans and leases to total assets56.8242%4,328
Net loans and leases to deposits90.2500%1,116
Net loans and leases to core deposits104.7806%822
Total domestic deposits to total assets62.9631%7,032
Equity capital to assets8.4757%6,285
Core capital (leverage) ratio7.7579%6,490
Tier 1 risk-based capital ratio11.4671%6,246
Total risk-based capital ratio12.5060%6,346
Memoranda:
Average total assets$1,139,774,250579
Average earning assets$1,048,605,750567
Average equity$95,899,250742
Average total loans$640,910,250648
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1357%5,179
Cost of funding earning assets0.8946%2,443
Net interest margin3.2410%5,618
Noninterest income to average assets0.9605%1,578
Noninterest expense to average assets2.3536%5,608
Loan and lease loss provision to assets0.1385%3,789
Net operating income to assets1.0050%2,444
Return on assets (ROA)0.9526%2,904
Pretax return on assets1.3941%2,215
Return on Equity (ROE)11.3502%1,859
Retained earnings to average equity (ytd only)1.9283%5,233
Net charge-offs to loans0.2706%2,963
Credit loss provision to net charge-offs91.7346%2,985
Earnings coverage of net charge-offs (x)10.4715%2,043
Efficiency ratio59.7910%5,611
Assets per employee ($millions)5.8686%1,314
Cash dividends to net income (ytd only)*83.0105%731
Condition Ratios (%)
Loss allowance to loans1.2391%5,164
Loan loss allowance to noncurrent loans101.4115%3,164
Noncurrent assets plus other real estate owned to assets1.2143%3,987
Noncurrent loans to loans1.2219%4,101
Net loans and leases to total assets54.4272%4,725
Net loans and leases to deposits89.3552%1,213
Net loans and leases to core deposits104.3327%837
Total domestic deposits to total assets60.9111%7,124
Equity capital to assets8.1718%6,478
Core capital (leverage) ratio8.0547%6,217
Tier 1 risk-based capital ratio11.6114%6,163
Total risk-based capital ratio12.6221%6,272
Memoranda:
Average total assets$1,138,099,330581
Average earning assets$1,044,236,330566
Average equity$95,522,330744
Average total loans$634,987,670658
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1555%5,264
Cost of funding earning assets0.9109%2,602
Net interest margin3.2447%5,641
Noninterest income to average assets1.0459%1,322
Noninterest expense to average assets2.3215%5,713
Loan and lease loss provision to assets0.1410%3,590
Net operating income to assets1.0904%2,137
Return on assets (ROA)1.0342%2,538
Pretax return on assets1.5146%1,835
Return on Equity (ROE)12.1549%1,628
Retained earnings to average equity (ytd only)12.1549%804
Net charge-offs to loans0.1579%3,147
Credit loss provision to net charge-offs159.0361%1,594
Earnings coverage of net charge-offs (x)19.3052%1,232
Efficiency ratio57.5225%5,973
Assets per employee ($millions)5.8226%1,404
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2864%5,079
Loan loss allowance to noncurrent loans76.1927%3,809
Noncurrent assets plus other real estate owned to assets1.3891%3,788
Noncurrent loans to loans1.6883%3,579
Net loans and leases to total assets55.9475%4,396
Net loans and leases to deposits91.1799%861
Net loans and leases to core deposits102.9711%816
Total domestic deposits to total assets61.3594%7,179
Equity capital to assets8.5914%6,000
Core capital (leverage) ratio8.2538%5,949
Tier 1 risk-based capital ratio12.1976%5,821
Total risk-based capital ratio13.2675%5,938
Memoranda:
Average total assets$1,123,225,000585
Average earning assets$1,034,185,000574
Average equity$95,566,500741
Average total loans$630,680,500660
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3163%5,713
Cost of funding earning assets1.1435%2,389
Net interest margin3.1728%6,166
Noninterest income to average assets0.9787%1,427
Noninterest expense to average assets2.4902%5,498
Loan and lease loss provision to assets0.2584%3,626
Net operating income to assets0.7881%3,091
Return on assets (ROA)0.8354%3,054
Pretax return on assets1.2296%2,354
Return on Equity (ROE)9.7665%2,136
Retained earnings to average equity (ytd only)3.4139%3,795
Net charge-offs to loans0.6146%2,609
Credit loss provision to net charge-offs73.0697%4,733
Earnings coverage of net charge-offs (x)3.9639%3,320
Efficiency ratio63.9443%5,140
Assets per employee ($millions)5.6702%1,462
Cash dividends to net income (ytd only)*65.0452%1,350
Condition Ratios (%)
Loss allowance to loans1.2885%4,970
Loan loss allowance to noncurrent loans75.4643%3,833
Noncurrent assets plus other real estate owned to assets1.3805%3,934
Noncurrent loans to loans1.7074%3,599
Net loans and leases to total assets54.9045%4,893
Net loans and leases to deposits97.7831%572
Net loans and leases to core deposits109.3872%641
Total domestic deposits to total assets56.1492%7,265
Equity capital to assets8.4249%6,228
Core capital (leverage) ratio8.2106%5,979
Tier 1 risk-based capital ratio11.9669%5,862
Total risk-based capital ratio13.0327%5,953
Memoranda:
Average total assets$1,058,237,600624
Average earning assets$971,753,000610
Average equity$90,513,400744
Average total loans$608,973,800688
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3614%5,736
Cost of funding earning assets1.1906%2,378
Net interest margin3.1708%6,231
Noninterest income to average assets0.9837%1,377
Noninterest expense to average assets2.5285%5,360
Loan and lease loss provision to assets0.2862%3,227
Net operating income to assets0.7472%3,394
Return on assets (ROA)0.8268%3,197
Pretax return on assets1.2145%2,581
Return on Equity (ROE)9.6271%2,337
Retained earnings to average equity (ytd only)1.0607%5,593
Net charge-offs to loans0.5839%2,503
Credit loss provision to net charge-offs84.4151%3,986
Earnings coverage of net charge-offs (x)4.0370%3,202
Efficiency ratio64.8436%4,925
Assets per employee ($millions)5.4093%1,689
Cash dividends to net income (ytd only)*88.9818%448
Condition Ratios (%)
Loss allowance to loans1.4048%4,542
Loan loss allowance to noncurrent loans54.8914%4,713
Noncurrent assets plus other real estate owned to assets1.8915%3,280
Noncurrent loans to loans2.5593%2,704
Net loans and leases to total assets56.9104%4,697
Net loans and leases to deposits93.7902%852
Net loans and leases to core deposits108.9700%726
Total domestic deposits to total assets60.6784%7,290
Equity capital to assets8.6099%6,188
Core capital (leverage) ratio8.3488%5,918
Tier 1 risk-based capital ratio11.9845%5,905
Total risk-based capital ratio13.1635%5,936
Memoranda:
Average total assets$1,042,124,000644
Average earning assets$957,562,250625
Average equity$89,495,250757
Average total loans$605,103,750697
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3592%5,827
Cost of funding earning assets1.2411%2,314
Net interest margin3.1181%6,371
Noninterest income to average assets1.0111%1,295
Noninterest expense to average assets2.5795%5,261
Loan and lease loss provision to assets0.2085%3,839
Net operating income to assets0.7558%3,261
Return on assets (ROA)0.8359%3,029
Pretax return on assets1.2233%2,389
Return on Equity (ROE)9.7427%2,216
Retained earnings to average equity (ytd only)1.8548%5,058
Net charge-offs to loans0.1831%4,063
Credit loss provision to net charge-offs195.6443%1,545
Earnings coverage of net charge-offs (x)12.1906%1,645
Efficiency ratio66.4755%4,781
Assets per employee ($millions)5.3452%1,712
Cash dividends to net income (ytd only)*80.9623%768
Condition Ratios (%)
Loss allowance to loans1.5879%3,738
Loan loss allowance to noncurrent loans62.9211%4,293
Noncurrent assets plus other real estate owned to assets1.9290%3,336
Noncurrent loans to loans2.5236%2,865
Net loans and leases to total assets57.5603%4,714
Net loans and leases to deposits91.8908%1,074
Net loans and leases to core deposits109.0278%755
Total domestic deposits to total assets62.6399%7,339
Equity capital to assets8.7467%5,879
Core capital (leverage) ratio8.4346%5,654
Tier 1 risk-based capital ratio12.1663%5,648
Total risk-based capital ratio13.4172%5,629
Memoranda:
Average total assets$1,034,289,330653
Average earning assets$951,096,670639
Average equity$88,743,670760
Average total loans$601,773,670716
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2313%6,200
Cost of funding earning assets1.3004%2,169
Net interest margin2.9309%6,702
Noninterest income to average assets0.9471%1,485
Noninterest expense to average assets2.6913%4,870
Loan and lease loss provision to assets0.1699%3,929
Net operating income to assets0.5422%4,304
Return on assets (ROA)0.7385%3,397
Pretax return on assets1.0896%2,794
Return on Equity (ROE)8.6910%2,614
Retained earnings to average equity (ytd only)-2.6728%6,248
Net charge-offs to loans0.2636%3,017
Credit loss provision to net charge-offs111.1111%2,408
Earnings coverage of net charge-offs (x)6.2626%2,131
Efficiency ratio73.7193%3,568
Assets per employee ($millions)7.5736%567
Cash dividends to net income (ytd only)*130.7531%405
Condition Ratios (%)
Loss allowance to loans1.5204%4,109
Loan loss allowance to noncurrent loans62.8619%4,264
Noncurrent assets plus other real estate owned to assets1.8516%3,492
Noncurrent loans to loans2.4186%3,071
Net loans and leases to total assets56.3852%4,930
Net loans and leases to deposits89.4622%1,299
Net loans and leases to core deposits105.6506%957
Total domestic deposits to total assets63.0268%7,383
Equity capital to assets8.3375%6,122
Core capital (leverage) ratio8.0576%6,180
Tier 1 risk-based capital ratio11.8500%5,819
Total risk-based capital ratio13.0988%5,824
Memoranda:
Average total assets$1,035,622,000653
Average earning assets$954,796,500640
Average equity$87,999,000758
Average total loans$600,967,000720
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7201%5,731
Cost of funding earning assets1.6063%2,037
Net interest margin3.1138%6,487
Noninterest income to average assets0.9250%1,759
Noninterest expense to average assets2.5378%5,657
Loan and lease loss provision to assets0.2461%4,827
Net operating income to assets0.7092%3,196
Return on assets (ROA)0.6846%3,412
Pretax return on assets0.9824%2,985
Return on Equity (ROE)7.6634%2,829
Retained earnings to average equity (ytd only)1.5564%4,754
Net charge-offs to loans0.7927%2,657
Credit loss provision to net charge-offs49.2980%6,269
Earnings coverage of net charge-offs (x)2.5174%3,853
Efficiency ratio66.8478%4,787
Assets per employee ($millions)6.9330%764
Cash dividends to net income (ytd only)*79.6900%863
Condition Ratios (%)
Loss allowance to loans1.5002%4,010
Loan loss allowance to noncurrent loans44.3128%5,363
Noncurrent assets plus other real estate owned to assets2.3663%2,901
Noncurrent loans to loans3.3855%2,246
Net loans and leases to total assets57.9355%5,034
Net loans and leases to deposits99.2028%623
Net loans and leases to core deposits113.8669%734
Total domestic deposits to total assets58.4010%7,522
Equity capital to assets8.6599%5,640
Core capital (leverage) ratio8.4776%5,404
Tier 1 risk-based capital ratio11.8821%5,587
Total risk-based capital ratio13.1212%5,585
Memoranda:
Average total assets$998,959,600665
Average earning assets$920,552,000653
Average equity$89,241,800751
Average total loans$628,964,000704
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7854%5,720
Cost of funding earning assets1.6367%2,172
Net interest margin3.1486%6,487
Noninterest income to average assets0.8615%1,946
Noninterest expense to average assets2.5612%5,465
Loan and lease loss provision to assets0.1672%5,371
Net operating income to assets0.7203%3,320
Return on assets (ROA)0.7019%3,558
Pretax return on assets1.0126%3,136
Return on Equity (ROE)7.7949%2,986
Retained earnings to average equity (ytd only)1.8999%5,010
Net charge-offs to loans0.7186%2,626
Credit loss provision to net charge-offs36.3318%6,076
Earnings coverage of net charge-offs (x)2.6139%3,845
Efficiency ratio68.0067%4,464
Assets per employee ($millions)6.6938%887
Cash dividends to net income (ytd only)*75.6271%759
Condition Ratios (%)
Loss allowance to loans1.5415%3,766
Loan loss allowance to noncurrent loans33.8323%6,075
Noncurrent assets plus other real estate owned to assets3.2556%2,193
Noncurrent loans to loans4.5562%1,579
Net loans and leases to total assets61.0376%4,712
Net loans and leases to deposits106.2949%352
Net loans and leases to core deposits125.6846%457
Total domestic deposits to total assets57.4229%7,624
Equity capital to assets9.2362%5,250
Core capital (leverage) ratio8.5270%5,459
Tier 1 risk-based capital ratio11.8484%5,592
Total risk-based capital ratio13.0989%5,569
Memoranda:
Average total assets$992,178,750664
Average earning assets$914,573,250652
Average equity$89,337,750743
Average total loans$635,325,000697
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8206%5,721
Cost of funding earning assets1.6361%2,448
Net interest margin3.1844%6,365
Noninterest income to average assets0.7599%2,327
Noninterest expense to average assets2.6097%5,282
Loan and lease loss provision to assets0.2014%4,860
Net operating income to assets0.6183%3,790
Return on assets (ROA)0.6272%3,886
Pretax return on assets0.8948%3,516
Return on Equity (ROE)7.0252%3,289
Retained earnings to average equity (ytd only)1.5086%5,118
Net charge-offs to loans0.6527%2,584
Credit loss provision to net charge-offs47.6916%5,469
Earnings coverage of net charge-offs (x)2.5745%3,709
Efficiency ratio70.5508%4,072
Assets per employee ($millions)7.2883%671
Cash dividends to net income (ytd only)*78.5256%794
Condition Ratios (%)
Loss allowance to loans1.6691%3,189
Loan loss allowance to noncurrent loans47.6806%5,117
Noncurrent assets plus other real estate owned to assets2.6080%2,775
Noncurrent loans to loans3.5006%2,260
Net loans and leases to total assets61.4094%4,799
Net loans and leases to deposits105.7218%406
Net loans and leases to core deposits127.4186%475
Total domestic deposits to total assets58.0858%7,682
Equity capital to assets8.9662%5,500
Core capital (leverage) ratio8.5122%5,382
Tier 1 risk-based capital ratio11.4382%5,836
Total risk-based capital ratio12.6900%5,802
Memoranda:
Average total assets$994,910,330663
Average earning assets$917,654,330649
Average equity$88,822,670736
Average total loans$643,765,670691
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8805%5,558
Cost of funding earning assets1.6175%2,852
Net interest margin3.2630%6,086
Noninterest income to average assets0.5894%3,343
Noninterest expense to average assets2.5864%5,406
Loan and lease loss provision to assets0.2733%3,842
Net operating income to assets0.5255%4,259
Return on assets (ROA)0.5603%4,223
Pretax return on assets0.7826%3,941
Return on Equity (ROE)6.2897%3,728
Retained earnings to average equity (ytd only)3.3400%4,149
Net charge-offs to loans0.3806%2,909
Credit loss provision to net charge-offs109.0323%3,156
Earnings coverage of net charge-offs (x)4.0742%2,712
Efficiency ratio71.6495%3,988
Assets per employee ($millions)7.4865%654
Cash dividends to net income (ytd only)*46.8975%1,555
Condition Ratios (%)
Loss allowance to loans1.7912%2,763
Loan loss allowance to noncurrent loans58.5581%4,446
Noncurrent assets plus other real estate owned to assets2.2610%3,198
Noncurrent loans to loans3.0589%2,616
Net loans and leases to total assets63.6118%4,404
Net loans and leases to deposits104.5115%495
Net loans and leases to core deposits131.4545%451
Total domestic deposits to total assets60.8658%7,742
Equity capital to assets8.8759%5,437
Core capital (leverage) ratio8.7458%4,946
Tier 1 risk-based capital ratio11.0090%6,146
Total risk-based capital ratio12.2620%6,118
Memoranda:
Average total assets$989,474,500684
Average earning assets$915,237,000667
Average equity$88,144,000745
Average total loans$651,584,000695
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4158%4,619
Cost of funding earning assets1.8882%3,525
Net interest margin3.5276%4,829
Noninterest income to average assets0.9905%1,610
Noninterest expense to average assets2.5053%6,105
Loan and lease loss provision to assets0.8408%2,627
Net operating income to assets0.6480%3,144
Return on assets (ROA)0.7127%2,947
Pretax return on assets1.0176%2,533
Return on Equity (ROE)8.5101%2,193
Retained earnings to average equity (ytd only)0.9710%4,352
Net charge-offs to loans0.8567%2,686
Credit loss provision to net charge-offs144.1351%3,315
Earnings coverage of net charge-offs (x)3.0160%3,573
Efficiency ratio58.7115%6,662
Assets per employee ($millions)7.8061%560
Cash dividends to net income (ytd only)*88.5899%891
Condition Ratios (%)
Loss allowance to loans1.7726%2,630
Loan loss allowance to noncurrent loans63.5466%4,215
Noncurrent assets plus other real estate owned to assets2.1914%3,142
Noncurrent loans to loans2.7895%2,767
Net loans and leases to total assets65.7744%4,213
Net loans and leases to deposits113.5742%273
Net loans and leases to core deposits133.4636%1,090
Total domestic deposits to total assets57.9132%7,834
Equity capital to assets8.9413%5,231
Core capital (leverage) ratio8.5483%5,203
Tier 1 risk-based capital ratio11.0048%5,910
Total risk-based capital ratio12.2578%5,876
Memoranda:
Average total assets$954,321,600698
Average earning assets$885,758,800683
Average equity$79,917,200810
Average total loans$649,786,800721
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4937%4,444
Cost of funding earning assets1.9403%3,664
Net interest margin3.5535%4,658
Noninterest income to average assets0.9895%1,644
Noninterest expense to average assets2.5616%5,852
Loan and lease loss provision to assets0.7545%2,480
Net operating income to assets0.6954%3,227
Return on assets (ROA)0.7265%3,176
Pretax return on assets1.0280%2,813
Return on Equity (ROE)8.8295%2,326
Retained earnings to average equity (ytd only)1.9568%4,234
Net charge-offs to loans0.6853%2,642
Credit loss provision to net charge-offs161.0195%2,940
Earnings coverage of net charge-offs (x)3.6950%3,416
Efficiency ratio59.6334%6,465
Assets per employee ($millions)7.9394%526
Cash dividends to net income (ytd only)*77.8380%1,014
Condition Ratios (%)
Loss allowance to loans1.7260%2,531
Loan loss allowance to noncurrent loans77.1251%3,538
Noncurrent assets plus other real estate owned to assets1.7157%3,802
Noncurrent loans to loans2.2380%3,336
Net loans and leases to total assets65.0669%4,634
Net loans and leases to deposits106.5379%625
Net loans and leases to core deposits128.1987%1,565
Total domestic deposits to total assets61.0739%7,849
Equity capital to assets9.1644%5,229
Core capital (leverage) ratio8.7245%5,090
Tier 1 risk-based capital ratio11.1998%5,757
Total risk-based capital ratio12.4524%5,700
Memoranda:
Average total assets$948,962,250717
Average earning assets$882,197,000699
Average equity$78,085,000837
Average total loans$648,888,000740
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3637%5,331
Cost of funding earning assets1.9957%3,801
Net interest margin3.3680%5,291
Noninterest income to average assets0.9504%1,759
Noninterest expense to average assets2.5489%5,951
Loan and lease loss provision to assets0.7938%2,107
Net operating income to assets0.5489%3,886
Return on assets (ROA)0.5282%4,105
Pretax return on assets0.7117%3,961
Return on Equity (ROE)6.6827%3,344
Retained earnings to average equity (ytd only)0.4227%5,050
Net charge-offs to loans0.5190%2,766
Credit loss provision to net charge-offs221.2337%2,077
Earnings coverage of net charge-offs (x)4.2533%3,162
Efficiency ratio62.5131%6,163
Assets per employee ($millions)7.4491%628
Cash dividends to net income (ytd only)*93.6745%822
Condition Ratios (%)
Loss allowance to loans1.7381%2,214
Loan loss allowance to noncurrent loans66.6090%4,100
Noncurrent assets plus other real estate owned to assets1.9453%3,276
Noncurrent loans to loans2.6095%2,773
Net loans and leases to total assets66.2221%4,526
Net loans and leases to deposits114.4013%380
Net loans and leases to core deposits144.3521%825
Total domestic deposits to total assets57.8858%7,982
Equity capital to assets7.7752%7,005
Core capital (leverage) ratio7.1441%7,416
Tier 1 risk-based capital ratio9.6028%7,313
Total risk-based capital ratio10.8561%7,263
Memoranda:
Average total assets$939,767,670745
Average earning assets$871,853,670723
Average equity$74,281,670896
Average total loans$649,661,330760
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4130%5,354
Cost of funding earning assets2.0121%4,073
Net interest margin3.4009%5,140
Noninterest income to average assets0.8635%2,017
Noninterest expense to average assets2.3582%6,344
Loan and lease loss provision to assets0.7435%1,731
Net operating income to assets0.6654%3,729
Return on assets (ROA)0.6384%4,027
Pretax return on assets0.8880%3,759
Return on Equity (ROE)8.0102%3,149
Retained earnings to average equity (ytd only)-2.7490%6,232
Net charge-offs to loans0.2456%3,171
Credit loss provision to net charge-offs432.4190%1,221
Earnings coverage of net charge-offs (x)9.6459%2,034
Efficiency ratio58.6678%6,598
Assets per employee ($millions)7.9585%512
Cash dividends to net income (ytd only)*134.3183%520
Condition Ratios (%)
Loss allowance to loans1.6456%2,325
Loan loss allowance to noncurrent loans83.6105%3,546
Noncurrent assets plus other real estate owned to assets1.4961%3,689
Noncurrent loans to loans1.9682%3,307
Net loans and leases to total assets65.4488%4,718
Net loans and leases to deposits100.3368%1,367
Net loans and leases to core deposits123.8181%2,095
Total domestic deposits to total assets65.2291%7,777
Equity capital to assets7.7355%7,144
Core capital (leverage) ratio7.5524%7,089
Tier 1 risk-based capital ratio9.6280%7,310
Total risk-based capital ratio10.8803%7,244
Memoranda:
Average total assets$932,911,000755
Average earning assets$864,953,000734
Average equity$74,355,000899
Average total loans$653,200,000758
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2081%4,476
Cost of funding earning assets2.5842%3,765
Net interest margin3.6239%4,770
Noninterest income to average assets0.9058%1,934
Noninterest expense to average assets2.4342%6,282
Loan and lease loss provision to assets0.4604%2,990
Net operating income to assets0.9206%2,913
Return on assets (ROA)0.9206%2,764
Pretax return on assets1.3385%2,174
Return on Equity (ROE)11.2951%1,818
Retained earnings to average equity (ytd only)0.2160%5,098
Net charge-offs to loans0.1390%4,833
Credit loss provision to net charge-offs444.8201%984
Earnings coverage of net charge-offs (x)17.3795%1,776
Efficiency ratio57.4663%6,789
Assets per employee ($millions)6.6482%829
Cash dividends to net income (ytd only)*98.0873%1,048
Condition Ratios (%)
Loss allowance to loans1.3601%3,421
Loan loss allowance to noncurrent loans79.8128%4,128
Noncurrent assets plus other real estate owned to assets1.4507%3,317
Noncurrent loans to loans1.7042%3,218
Net loans and leases to total assets72.6577%3,447
Net loans and leases to deposits115.5727%541
Net loans and leases to core deposits136.9396%1,436
Total domestic deposits to total assets62.8675%7,841
Equity capital to assets8.2163%6,529
Core capital (leverage) ratio7.8794%6,686
Tier 1 risk-based capital ratio9.4901%7,316
Total risk-based capital ratio10.7217%7,256
Memoranda:
Average total assets$885,923,800761
Average earning assets$813,405,600745
Average equity$72,208,200921
Average total loans$659,590,800717