Home > American Bank > Performance and Condition Ratios

American Bank, Performance and Condition Ratios

2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6927%2,378
Cost of funding earning assets0.0520%4,861
Net interest margin3.6407%1,473
Noninterest income to average assets0.0615%4,820
Noninterest expense to average assets2.2509%2,940
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.1845%2,214
Return on assets (ROA)1.1845%2,283
Pretax return on assets1.1845%2,888
Return on Equity (ROE)14.3492%1,364
Retained earnings to average equity (ytd only)3.6825%3,598
Net charge-offs to loans0.0180%1,387
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)113.0000%567
Efficiency ratio65.5207%2,299
Assets per employee ($millions)7.4447%1,488
Cash dividends to net income (ytd only)*74.3363%659
Condition Ratios (%)
Loss allowance to loans1.5259%1,519
Loan loss allowance to noncurrent loans864.7260%765
Noncurrent assets plus other real estate owned to assets0.0993%3,692
Noncurrent loans to loans0.1765%3,475
Net loans and leases to total assets55.4125%3,107
Net loans and leases to deposits60.9398%3,416
Net loans and leases to core deposits61.3952%3,617
Total domestic deposits to total assets90.9298%427
Equity capital to assets8.0098%4,477
Core capital (leverage) ratio8.3564%4,260
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$572,396,5001,506
Average earning assets$530,452,5001,513
Average equity$47,250,0001,849
Average total loans$334,103,5001,614
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2129%2,097
Cost of funding earning assets0.1764%4,658
Net interest margin4.0366%903
Noninterest income to average assets0.5070%2,601
Noninterest expense to average assets2.6312%2,449
Loan and lease loss provision to assets0.3971%798
Net operating income to assets1.1836%1,604
Return on assets (ROA)1.1836%1,715
Pretax return on assets1.1836%2,389
Return on Equity (ROE)12.5847%1,154
Retained earnings to average equity (ytd only)4.1523%2,736
Net charge-offs to loans0.1708%971
Credit loss provision to net charge-offs363.1285%1,550
Earnings coverage of net charge-offs (x)14.4562%2,212
Efficiency ratio62.4704%3,048
Assets per employee ($millions)7.3245%1,384
Cash dividends to net income (ytd only)*67.0050%1,073
Condition Ratios (%)
Loss allowance to loans1.5018%1,581
Loan loss allowance to noncurrent loans859.9321%751
Noncurrent assets plus other real estate owned to assets0.1462%3,557
Noncurrent loans to loans0.1746%3,586
Net loans and leases to total assets59.6761%2,906
Net loans and leases to deposits66.1008%3,264
Net loans and leases to core deposits66.6386%3,492
Total domestic deposits to total assets90.2804%456
Equity capital to assets8.5136%4,432
Core capital (leverage) ratio8.6940%4,011
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$491,114,2001,577
Average earning assets$450,756,2001,594
Average equity$46,191,0001,807
Average total loans$314,405,4001,635
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2826%2,153
Cost of funding earning assets0.2217%4,599
Net interest margin4.0608%975
Noninterest income to average assets0.2609%3,911
Noninterest expense to average assets2.6962%2,273
Loan and lease loss provision to assets0.3792%969
Net operating income to assets0.9044%2,689
Return on assets (ROA)0.9044%2,816
Pretax return on assets0.9044%3,371
Return on Equity (ROE)9.3553%2,256
Retained earnings to average equity (ytd only)1.5253%4,077
Net charge-offs to loans0.1693%869
Credit loss provision to net charge-offs344.3878%1,628
Earnings coverage of net charge-offs (x)11.6582%2,291
Efficiency ratio67.7488%2,226
Assets per employee ($millions)7.0827%1,444
Cash dividends to net income (ytd only)*83.6957%515
Condition Ratios (%)
Loss allowance to loans1.3813%1,811
Loan loss allowance to noncurrent loans1,454.2587%444
Noncurrent assets plus other real estate owned to assets0.1988%3,443
Noncurrent loans to loans0.0950%3,985
Net loans and leases to total assets62.7955%2,906
Net loans and leases to deposits69.7912%3,328
Net loans and leases to core deposits70.3360%3,605
Total domestic deposits to total assets89.9763%430
Equity capital to assets8.8051%4,250
Core capital (leverage) ratio8.9281%3,838
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$474,727,7501,606
Average earning assets$434,744,0001,626
Average equity$45,890,7501,809
Average total loans$308,692,2501,650
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4400%2,099
Cost of funding earning assets0.2965%4,493
Net interest margin4.1435%1,031
Noninterest income to average assets0.2623%3,901
Noninterest expense to average assets2.7700%2,164
Loan and lease loss provision to assets0.3273%1,306
Net operating income to assets0.9462%2,514
Return on assets (ROA)0.9462%2,643
Pretax return on assets0.9462%3,192
Return on Equity (ROE)9.4663%2,168
Retained earnings to average equity (ytd only)1.9561%3,778
Net charge-offs to loans0.0007%3,017
Credit loss provision to net charge-offs75,000.0000%10
Earnings coverage of net charge-offs (x)2,918.0000%26
Efficiency ratio68.5051%2,168
Assets per employee ($millions)6.8977%1,505
Cash dividends to net income (ytd only)*79.3358%768
Condition Ratios (%)
Loss allowance to loans1.3562%1,742
Loan loss allowance to noncurrent loans607.8729%866
Noncurrent assets plus other real estate owned to assets0.2918%3,148
Noncurrent loans to loans0.2231%3,579
Net loans and leases to total assets64.4575%2,824
Net loans and leases to deposits72.0389%3,258
Net loans and leases to core deposits72.5501%3,556
Total domestic deposits to total assets89.4760%582
Equity capital to assets9.2907%3,840
Core capital (leverage) ratio9.8034%3,023
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$458,264,6671,632
Average earning assets$418,195,0001,654
Average equity$45,804,6671,797
Average total loans$300,345,6671,662
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7571%1,538
Cost of funding earning assets0.4678%4,079
Net interest margin4.2893%773
Noninterest income to average assets0.2861%3,812
Noninterest expense to average assets2.7886%2,463
Loan and lease loss provision to assets0.1366%2,015
Net operating income to assets1.2535%1,369
Return on assets (ROA)1.2535%1,473
Pretax return on assets1.2535%2,024
Return on Equity (ROE)12.0605%1,089
Retained earnings to average equity (ytd only)4.1721%2,615
Net charge-offs to loans0.0014%2,547
Credit loss provision to net charge-offs15,000.0000%51
Earnings coverage of net charge-offs (x)1,526.0000%26
Efficiency ratio66.7321%2,855
Assets per employee ($millions)5.7579%1,886
Cash dividends to net income (ytd only)*65.4070%1,280
Condition Ratios (%)
Loss allowance to loans1.3323%1,992
Loan loss allowance to noncurrent loans525.0000%933
Noncurrent assets plus other real estate owned to assets0.3311%3,119
Noncurrent loans to loans0.2538%3,583
Net loans and leases to total assets64.3255%3,029
Net loans and leases to deposits72.9664%3,361
Net loans and leases to core deposits73.6109%3,660
Total domestic deposits to total assets88.1577%1,036
Equity capital to assets10.5253%3,296
Core capital (leverage) ratio10.4792%2,966
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$439,078,5001,652
Average earning assets$398,481,5001,675
Average equity$45,636,5001,798
Average total loans$288,258,0001,684
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1673%1,071
Cost of funding earning assets0.6597%3,365
Net interest margin4.5076%707
Noninterest income to average assets0.2568%4,140
Noninterest expense to average assets2.5874%3,213
Loan and lease loss provision to assets0.1823%1,130
Net operating income to assets1.5839%867
Return on assets (ROA)1.5839%923
Pretax return on assets1.5839%1,529
Return on Equity (ROE)15.6511%582
Retained earnings to average equity (ytd only)2.4546%3,802
Net charge-offs to loans0.0924%1,806
Credit loss provision to net charge-offs301.8868%919
Earnings coverage of net charge-offs (x)29.2453%1,607
Efficiency ratio59.4305%3,772
Assets per employee ($millions)5.6482%1,927
Cash dividends to net income (ytd only)*84.3165%674
Condition Ratios (%)
Loss allowance to loans1.2540%2,151
Loan loss allowance to noncurrent loans504.4199%985
Noncurrent assets plus other real estate owned to assets0.3289%3,103
Noncurrent loans to loans0.2486%3,558
Net loans and leases to total assets65.2752%3,041
Net loans and leases to deposits73.9031%3,364
Net loans and leases to core deposits74.5474%3,674
Total domestic deposits to total assets88.3254%970
Equity capital to assets10.2629%3,662
Core capital (leverage) ratio10.2026%3,295
Tier 1 risk-based capital ratio13.4630%3,543
Total risk-based capital ratio14.6473%3,465
Memoranda:
Average total assets$438,785,6001,602
Average earning assets$398,797,4001,637
Average equity$44,405,8001,774
Average total loans$286,798,0001,661
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1582%1,132
Cost of funding earning assets0.6976%3,235
Net interest margin4.4606%839
Noninterest income to average assets0.2674%4,140
Noninterest expense to average assets2.5447%3,314
Loan and lease loss provision to assets0.1886%950
Net operating income to assets1.5911%952
Return on assets (ROA)1.5911%996
Pretax return on assets1.5911%1,668
Return on Equity (ROE)15.7781%643
Retained earnings to average equity (ytd only)3.5320%3,641
Net charge-offs to loans0.0653%1,887
Credit loss provision to net charge-offs442.8571%700
Earnings coverage of net charge-offs (x)41.7933%1,332
Efficiency ratio58.8450%3,817
Assets per employee ($millions)5.9020%1,670
Cash dividends to net income (ytd only)*77.6143%730
Condition Ratios (%)
Loss allowance to loans1.2794%2,067
Loan loss allowance to noncurrent loans430.7784%1,110
Noncurrent assets plus other real estate owned to assets0.3653%3,038
Noncurrent loans to loans0.2970%3,475
Net loans and leases to total assets61.0735%3,581
Net loans and leases to deposits68.8446%3,853
Net loans and leases to core deposits69.4258%4,082
Total domestic deposits to total assets88.7120%737
Equity capital to assets9.9583%4,060
Core capital (leverage) ratio10.3917%3,213
Tier 1 risk-based capital ratio13.5746%3,528
Total risk-based capital ratio14.7501%3,479
Memoranda:
Average total assets$438,343,0001,608
Average earning assets$398,684,7501,638
Average equity$44,203,7501,791
Average total loans$285,691,0001,676
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1647%1,057
Cost of funding earning assets0.7364%2,967
Net interest margin4.4282%893
Noninterest income to average assets0.2476%4,266
Noninterest expense to average assets2.5900%3,213
Loan and lease loss provision to assets0.2032%833
Net operating income to assets1.4846%1,188
Return on assets (ROA)1.4846%1,238
Pretax return on assets1.4846%1,907
Return on Equity (ROE)14.6581%838
Retained earnings to average equity (ytd only)1.6145%4,242
Net charge-offs to loans0.0989%1,382
Credit loss provision to net charge-offs309.8592%877
Earnings coverage of net charge-offs (x)25.7324%1,586
Efficiency ratio60.5442%3,649
Assets per employee ($millions)5.5632%1,913
Cash dividends to net income (ytd only)*88.9857%629
Condition Ratios (%)
Loss allowance to loans1.1737%2,656
Loan loss allowance to noncurrent loans407.5179%1,190
Noncurrent assets plus other real estate owned to assets0.3832%2,972
Noncurrent loans to loans0.2880%3,498
Net loans and leases to total assets66.2654%3,075
Net loans and leases to deposits74.9134%3,434
Net loans and leases to core deposits75.6985%3,757
Total domestic deposits to total assets88.4561%895
Equity capital to assets10.2441%3,752
Core capital (leverage) ratio10.5085%3,079
Tier 1 risk-based capital ratio13.0665%3,804
Total risk-based capital ratio14.1653%3,783
Memoranda:
Average total assets$432,972,0001,623
Average earning assets$394,061,0001,657
Average equity$43,853,0001,799
Average total loans$287,205,0001,676
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0485%1,218
Cost of funding earning assets0.7482%2,798
Net interest margin4.3003%1,092
Noninterest income to average assets0.2728%4,055
Noninterest expense to average assets2.5813%3,268
Loan and lease loss provision to assets0.1665%1,009
Net operating income to assets1.4428%1,259
Return on assets (ROA)1.4428%1,286
Pretax return on assets1.4428%1,952
Return on Equity (ROE)14.3272%895
Retained earnings to average equity (ytd only)2.2960%3,982
Net charge-offs to loans0.0028%2,647
Credit loss provision to net charge-offs9,000.0000%25
Earnings coverage of net charge-offs (x)870.0000%65
Efficiency ratio61.5979%3,593
Assets per employee ($millions)5.5911%1,893
Cash dividends to net income (ytd only)*83.9744%857
Condition Ratios (%)
Loss allowance to loans1.1506%2,848
Loan loss allowance to noncurrent loans236.8799%1,908
Noncurrent assets plus other real estate owned to assets0.5345%2,500
Noncurrent loans to loans0.4857%2,854
Net loans and leases to total assets65.7552%3,091
Net loans and leases to deposits74.2732%3,430
Net loans and leases to core deposits75.2697%3,711
Total domestic deposits to total assets88.5315%1,072
Equity capital to assets10.1912%3,632
Core capital (leverage) ratio10.5038%3,047
Tier 1 risk-based capital ratio13.2540%3,737
Total risk-based capital ratio14.3233%3,751
Memoranda:
Average total assets$432,495,0001,624
Average earning assets$394,016,5001,663
Average equity$43,553,5001,796
Average total loans$285,328,5001,692
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7830%1,582
Cost of funding earning assets0.5960%2,751
Net interest margin4.1870%1,427
Noninterest income to average assets0.3130%4,027
Noninterest expense to average assets2.4450%3,756
Loan and lease loss provision to assets0.0239%3,693
Net operating income to assets1.6570%761
Return on assets (ROA)1.6570%758
Pretax return on assets1.6570%1,290
Return on Equity (ROE)16.2955%565
Retained earnings to average equity (ytd only)1.2318%4,639
Net charge-offs to loans0.0919%1,854
Credit loss provision to net charge-offs39.6825%3,290
Earnings coverage of net charge-offs (x)27.9563%1,669
Efficiency ratio59.2610%3,975
Assets per employee ($millions)5.7167%1,756
Cash dividends to net income (ytd only)*92.4406%389
Condition Ratios (%)
Loss allowance to loans1.0965%3,121
Loan loss allowance to noncurrent loans172.0199%2,478
Noncurrent assets plus other real estate owned to assets0.6265%2,166
Noncurrent loans to loans0.6374%2,392
Net loans and leases to total assets64.7123%3,278
Net loans and leases to deposits72.9810%3,589
Net loans and leases to core deposits73.9313%3,860
Total domestic deposits to total assets88.6702%993
Equity capital to assets9.9505%3,728
Core capital (leverage) ratio10.3102%3,240
Tier 1 risk-based capital ratio13.4639%3,567
Total risk-based capital ratio14.5019%3,575
Memoranda:
Average total assets$419,136,0001,632
Average earning assets$381,681,4001,664
Average equity$42,619,2001,752
Average total loans$274,252,6001,705
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6761%1,746
Cost of funding earning assets0.5558%2,828
Net interest margin4.1203%1,570
Noninterest income to average assets0.3130%4,057
Noninterest expense to average assets2.4037%3,848
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.6604%816
Return on assets (ROA)1.6604%824
Pretax return on assets1.6604%1,381
Return on Equity (ROE)16.2385%658
Retained earnings to average equity (ytd only)0.7912%4,902
Net charge-offs to loans0.0034%3,347
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)739.1029%116
Efficiency ratio59.1437%3,945
Assets per employee ($millions)6.0402%1,460
Cash dividends to net income (ytd only)*95.1276%312
Condition Ratios (%)
Loss allowance to loans1.1625%2,834
Loan loss allowance to noncurrent loans117.8894%3,180
Noncurrent assets plus other real estate owned to assets0.9145%1,615
Noncurrent loans to loans0.9861%1,727
Net loans and leases to total assets63.7703%3,456
Net loans and leases to deposits71.7806%3,790
Net loans and leases to core deposits72.7699%4,025
Total domestic deposits to total assets88.8406%899
Equity capital to assets9.8373%3,792
Core capital (leverage) ratio10.5863%2,991
Tier 1 risk-based capital ratio13.2392%3,767
Total risk-based capital ratio14.3101%3,784
Memoranda:
Average total assets$415,302,0001,653
Average earning assets$378,086,5001,690
Average equity$42,466,0001,765
Average total loans$271,747,2501,718
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6248%1,712
Cost of funding earning assets0.5267%2,786
Net interest margin4.0981%1,569
Noninterest income to average assets0.3073%4,116
Noninterest expense to average assets2.4199%3,847
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.6141%894
Return on assets (ROA)1.6141%900
Pretax return on assets1.6141%1,456
Return on Equity (ROE)15.5758%743
Retained earnings to average equity (ytd only)-3.8762%5,248
Net charge-offs to loans0.0052%2,980
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)471.2857%189
Efficiency ratio59.9879%3,936
Assets per employee ($millions)5.7545%1,676
Cash dividends to net income (ytd only)*124.8863%210
Condition Ratios (%)
Loss allowance to loans1.1936%2,769
Loan loss allowance to noncurrent loans115.0617%3,207
Noncurrent assets plus other real estate owned to assets1.0042%1,497
Noncurrent loans to loans1.0374%1,692
Net loans and leases to total assets67.0352%3,007
Net loans and leases to deposits75.9441%3,342
Net loans and leases to core deposits77.0811%3,656
Total domestic deposits to total assets88.2691%1,238
Equity capital to assets10.3762%3,244
Core capital (leverage) ratio10.6041%2,920
Tier 1 risk-based capital ratio13.1848%3,799
Total risk-based capital ratio14.2781%3,796
Memoranda:
Average total assets$408,770,3301,685
Average earning assets$371,736,3301,723
Average equity$42,360,6701,773
Average total loans$268,797,3301,740
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5024%1,857
Cost of funding earning assets0.4854%2,904
Net interest margin4.0169%1,670
Noninterest income to average assets0.3050%4,123
Noninterest expense to average assets2.4258%3,876
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.5369%988
Return on assets (ROA)1.5369%996
Pretax return on assets1.5369%1,576
Return on Equity (ROE)14.8397%828
Retained earnings to average equity (ytd only)-3.9210%5,134
Net charge-offs to loans0.0015%2,677
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)1,582.0000%36
Efficiency ratio61.2160%3,913
Assets per employee ($millions)5.9544%1,549
Cash dividends to net income (ytd only)*126.4223%409
Condition Ratios (%)
Loss allowance to loans1.2361%2,599
Loan loss allowance to noncurrent loans198.6626%2,253
Noncurrent assets plus other real estate owned to assets0.6850%2,277
Noncurrent loans to loans0.6222%2,673
Net loans and leases to total assets62.6443%3,468
Net loans and leases to deposits70.7375%3,727
Net loans and leases to core deposits71.8118%3,979
Total domestic deposits to total assets88.5588%1,327
Equity capital to assets10.1411%3,461
Core capital (leverage) ratio10.6275%2,821
Tier 1 risk-based capital ratio13.7206%3,534
Total risk-based capital ratio14.8496%3,511
Memoranda:
Average total assets$411,747,0001,678
Average earning assets$374,912,5001,723
Average equity$42,642,5001,767
Average total loans$266,550,5001,764
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4423%1,912
Cost of funding earning assets0.3268%3,904
Net interest margin4.1155%1,385
Noninterest income to average assets0.3183%4,184
Noninterest expense to average assets2.4804%3,849
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets1.5527%718
Return on assets (ROA)1.5527%731
Pretax return on assets1.5527%1,445
Return on Equity (ROE)14.9175%617
Retained earnings to average equity (ytd only)12.0568%176
Net charge-offs to loans-0.0061%4,676
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5008%4,014
Assets per employee ($millions)5.8098%1,647
Cash dividends to net income (ytd only)*19.1767%3,697
Condition Ratios (%)
Loss allowance to loans1.2165%2,681
Loan loss allowance to noncurrent loans195.5144%2,328
Noncurrent assets plus other real estate owned to assets0.7087%2,202
Noncurrent loans to loans0.6222%2,670
Net loans and leases to total assets65.2734%3,190
Net loans and leases to deposits74.1827%3,507
Net loans and leases to core deposits75.4426%3,782
Total domestic deposits to total assets87.9900%1,508
Equity capital to assets10.5772%3,079
Core capital (leverage) ratio10.6616%2,686
Tier 1 risk-based capital ratio14.2016%3,251
Total risk-based capital ratio15.3593%3,203
Memoranda:
Average total assets$389,567,6001,754
Average earning assets$351,642,0001,793
Average equity$40,549,8001,840
Average total loans$263,638,0001,742
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3950%1,973
Cost of funding earning assets0.2985%4,146
Net interest margin4.0965%1,400
Noninterest income to average assets0.3263%4,202
Noninterest expense to average assets2.4909%3,771
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.5251%851
Return on assets (ROA)1.5251%873
Pretax return on assets1.5251%1,687
Return on Equity (ROE)14.7142%698
Retained earnings to average equity (ytd only)11.6759%323
Net charge-offs to loans-0.0081%4,574
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.0250%3,879
Assets per employee ($millions)5.8357%1,621
Cash dividends to net income (ytd only)*20.6489%3,106
Condition Ratios (%)
Loss allowance to loans1.2089%2,882
Loan loss allowance to noncurrent loans160.0881%2,648
Noncurrent assets plus other real estate owned to assets0.8076%2,129
Noncurrent loans to loans0.7551%2,474
Net loans and leases to total assets66.3462%3,062
Net loans and leases to deposits75.2091%3,449
Net loans and leases to core deposits76.8784%3,734
Total domestic deposits to total assets88.2157%1,248
Equity capital to assets10.3841%3,497
Core capital (leverage) ratio10.5838%2,899
Tier 1 risk-based capital ratio13.4458%3,736
Total risk-based capital ratio14.5650%3,725
Memoranda:
Average total assets$385,288,2501,784
Average earning assets$347,020,7501,825
Average equity$39,933,2501,876
Average total loans$262,366,0001,760
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3602%1,941
Cost of funding earning assets0.2596%4,466
Net interest margin4.1006%1,323
Noninterest income to average assets0.3315%4,171
Noninterest expense to average assets2.5291%3,666
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.4899%887
Return on assets (ROA)1.4899%908
Pretax return on assets1.4899%1,691
Return on Equity (ROE)14.3843%760
Retained earnings to average equity (ytd only)9.7541%630
Net charge-offs to loans-0.0062%4,382
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.9295%3,832
Assets per employee ($millions)5.5548%1,825
Cash dividends to net income (ytd only)*32.1896%2,696
Condition Ratios (%)
Loss allowance to loans1.2507%2,684
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3157%3,861
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets67.1758%2,925
Net loans and leases to deposits76.2801%3,311
Net loans and leases to core deposits78.1421%3,580
Total domestic deposits to total assets88.0646%1,424
Equity capital to assets10.5244%3,306
Core capital (leverage) ratio10.8846%2,522
Tier 1 risk-based capital ratio13.4449%3,723
Total risk-based capital ratio14.5984%3,698
Memoranda:
Average total assets$379,497,0001,808
Average earning assets$341,265,0001,850
Average equity$39,306,6701,903
Average total loans$259,681,3301,767
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3391%1,850
Cost of funding earning assets0.2247%4,759
Net interest margin4.1144%1,184
Noninterest income to average assets0.4258%3,471
Noninterest expense to average assets2.6610%3,276
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.4703%861
Return on assets (ROA)1.4703%886
Pretax return on assets1.4703%1,635
Return on Equity (ROE)14.3126%749
Retained earnings to average equity (ytd only)11.2191%568
Net charge-offs to loans-0.0123%4,511
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4103%3,768
Assets per employee ($millions)5.7727%1,672
Cash dividends to net income (ytd only)*21.6138%2,500
Condition Ratios (%)
Loss allowance to loans1.2894%2,590
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3176%3,924
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets65.5258%3,043
Net loans and leases to deposits74.2389%3,376
Net loans and leases to core deposits76.0575%3,645
Total domestic deposits to total assets88.2635%1,552
Equity capital to assets10.3337%3,372
Core capital (leverage) ratio10.7859%2,611
Tier 1 risk-based capital ratio13.4919%3,781
Total risk-based capital ratio14.6684%3,741
Memoranda:
Average total assets$377,605,0001,827
Average earning assets$340,074,0001,870
Average equity$38,791,0001,934
Average total loans$259,155,5001,779
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4007%1,820
Cost of funding earning assets0.2391%4,662
Net interest margin4.1615%1,206
Noninterest income to average assets1.5263%517
Noninterest expense to average assets2.8613%2,809
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets2.3612%179
Return on assets (ROA)2.3612%184
Pretax return on assets2.3612%248
Return on Equity (ROE)23.4442%110
Retained earnings to average equity (ytd only)16.7778%76
Net charge-offs to loans-0.0027%4,739
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.7884%5,173
Assets per employee ($millions)5.6699%1,720
Cash dividends to net income (ytd only)*28.4352%3,382
Condition Ratios (%)
Loss allowance to loans1.2257%2,966
Loan loss allowance to noncurrent loans2,391.9118%297
Noncurrent assets plus other real estate owned to assets0.3864%3,725
Noncurrent loans to loans0.0512%5,040
Net loans and leases to total assets70.0525%2,460
Net loans and leases to deposits79.3227%2,963
Net loans and leases to core deposits81.6575%3,237
Total domestic deposits to total assets88.3133%1,481
Equity capital to assets10.2111%3,480
Core capital (leverage) ratio10.6000%2,772
Tier 1 risk-based capital ratio12.9054%4,128
Total risk-based capital ratio14.0598%4,091
Memoranda:
Average total assets$359,696,0001,854
Average earning assets$319,473,8001,922
Average equity$36,226,4002,013
Average total loans$259,804,8001,735
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4386%1,731
Cost of funding earning assets0.2522%4,584
Net interest margin4.1864%1,156
Noninterest income to average assets1.9498%361
Noninterest expense to average assets2.9548%2,445
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets2.6991%120
Return on assets (ROA)2.6991%122
Pretax return on assets2.6991%166
Return on Equity (ROE)26.8972%60
Retained earnings to average equity (ytd only)24.9008%30
Net charge-offs to loans-0.0031%4,534
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.2617%5,368
Assets per employee ($millions)5.4087%1,943
Cash dividends to net income (ytd only)*7.4224%3,621
Condition Ratios (%)
Loss allowance to loans1.2162%3,137
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3615%3,971
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets72.8922%2,036
Net loans and leases to deposits83.8965%2,497
Net loans and leases to core deposits86.1220%2,939
Total domestic deposits to total assets86.8835%1,940
Equity capital to assets10.8002%3,243
Core capital (leverage) ratio10.9756%2,474
Tier 1 risk-based capital ratio13.1115%4,094
Total risk-based capital ratio14.2663%4,067
Memoranda:
Average total assets$356,067,0001,882
Average earning assets$315,047,0001,947
Average equity$35,730,2502,046
Average total loans$258,406,5001,746
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4334%1,728
Cost of funding earning assets0.2765%4,382
Net interest margin4.1569%1,211
Noninterest income to average assets2.7845%224
Noninterest expense to average assets3.1342%1,964
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets3.3201%79
Return on assets (ROA)3.3201%79
Pretax return on assets3.3201%102
Return on Equity (ROE)33.9709%32
Retained earnings to average equity (ytd only)31.6584%17
Net charge-offs to loans-0.0047%4,509
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.5599%5,645
Assets per employee ($millions)5.3560%1,931
Cash dividends to net income (ytd only)*6.8074%3,527
Condition Ratios (%)
Loss allowance to loans1.2454%3,100
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.3763%3,981
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets74.0726%1,827
Net loans and leases to deposits85.3773%2,315
Net loans and leases to core deposits87.7085%2,759
Total domestic deposits to total assets86.7591%2,032
Equity capital to assets10.9045%3,162
Core capital (leverage) ratio10.8587%2,583
Tier 1 risk-based capital ratio13.1732%4,089
Total risk-based capital ratio14.3699%4,049
Memoranda:
Average total assets$353,961,6701,888
Average earning assets$312,492,6701,974
Average equity$34,594,3302,112
Average total loans$255,408,3301,766
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3506%1,960
Cost of funding earning assets0.3263%3,886
Net interest margin4.0244%1,544
Noninterest income to average assets0.3732%4,050
Noninterest expense to average assets2.6250%3,674
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.3013%1,247
Return on assets (ROA)1.3013%1,335
Pretax return on assets1.3013%2,297
Return on Equity (ROE)14.1112%814
Retained earnings to average equity (ytd only)14.1112%313
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.8570%3,657
Assets per employee ($millions)5.6022%1,744
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.2394%3,258
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.7143%2,927
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets71.0336%2,186
Net loans and leases to deposits83.9837%2,306
Net loans and leases to core deposits86.2979%2,723
Total domestic deposits to total assets84.5802%3,285
Equity capital to assets9.2217%4,971
Core capital (leverage) ratio9.3944%4,354
Tier 1 risk-based capital ratio11.5332%5,221
Total risk-based capital ratio17.8382%2,392
Memoranda:
Average total assets$356,871,5001,877
Average earning assets$315,081,5001,972
Average equity$32,910,0002,201
Average total loans$252,547,5001,780
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3700%1,998
Cost of funding earning assets0.3028%4,212
Net interest margin4.0671%1,495
Noninterest income to average assets0.3330%4,519
Noninterest expense to average assets3.0216%2,474
Loan and lease loss provision to assets-0.0903%5,839
Net operating income to assets0.8877%2,943
Return on assets (ROA)0.8877%3,023
Pretax return on assets0.8877%3,894
Return on Equity (ROE)9.3029%2,320
Retained earnings to average equity (ytd only)5.3457%2,174
Net charge-offs to loans-0.0099%5,110
Credit loss provision to net charge-offs1,304.3478%259
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1217%1,799
Assets per employee ($millions)5.2970%2,014
Cash dividends to net income (ytd only)*42.5373%2,724
Condition Ratios (%)
Loss allowance to loans1.3348%2,733
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.7440%2,828
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets68.6324%2,606
Net loans and leases to deposits81.4371%2,657
Net loans and leases to core deposits83.9344%2,971
Total domestic deposits to total assets84.2766%3,375
Equity capital to assets9.2220%4,878
Core capital (leverage) ratio9.4012%4,317
Tier 1 risk-based capital ratio11.4441%5,292
Total risk-based capital ratio17.9091%2,365
Memoranda:
Average total assets$332,106,4001,981
Average earning assets$284,647,2002,105
Average equity$31,689,2002,215
Average total loans$231,679,6001,853
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4159%1,879
Cost of funding earning assets0.3054%4,273
Net interest margin4.1105%1,386
Noninterest income to average assets0.3609%4,350
Noninterest expense to average assets3.0679%2,311
Loan and lease loss provision to assets-0.1220%6,032
Net operating income to assets0.9194%2,863
Return on assets (ROA)0.9194%2,953
Pretax return on assets0.9194%3,916
Return on Equity (ROE)9.5503%2,294
Retained earnings to average equity (ytd only)5.9415%2,284
Net charge-offs to loans-0.0087%4,946
Credit loss provision to net charge-offs2,000.0000%187
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.3706%1,747
Assets per employee ($millions)5.1737%2,095
Cash dividends to net income (ytd only)*37.7876%2,421
Condition Ratios (%)
Loss allowance to loans1.4040%2,579
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.8329%2,788
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets67.6162%2,751
Net loans and leases to deposits80.7759%2,790
Net loans and leases to core deposits83.4067%3,111
Total domestic deposits to total assets83.7083%3,534
Equity capital to assets9.5338%4,713
Core capital (leverage) ratio9.5568%4,225
Tier 1 risk-based capital ratio11.6394%5,300
Total risk-based capital ratio18.2705%2,317
Memoranda:
Average total assets$327,733,0002,019
Average earning assets$279,409,5002,153
Average equity$31,551,5002,238
Average total loans$228,803,2501,882
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4881%1,576
Cost of funding earning assets0.3062%4,330
Net interest margin4.1818%1,144
Noninterest income to average assets0.4439%3,752
Noninterest expense to average assets3.1772%2,043
Loan and lease loss provision to assets-0.1847%6,171
Net operating income to assets0.9905%2,435
Return on assets (ROA)0.9905%2,547
Pretax return on assets0.9905%3,621
Return on Equity (ROE)10.2544%1,957
Retained earnings to average equity (ytd only)9.5916%757
Net charge-offs to loans-0.0140%5,036
Credit loss provision to net charge-offs1,875.0000%205
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.7682%1,795
Assets per employee ($millions)5.0366%2,232
Cash dividends to net income (ytd only)*6.4636%3,527
Condition Ratios (%)
Loss allowance to loans1.3734%2,884
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets1.7402%1,351
Noncurrent loans to loans0.0000%5,787
Net loans and leases to total assets71.0468%2,155
Net loans and leases to deposits85.3440%2,127
Net loans and leases to core deposits89.0837%2,442
Total domestic deposits to total assets83.2476%3,852
Equity capital to assets9.8176%4,256
Core capital (leverage) ratio9.9768%3,637
Tier 1 risk-based capital ratio11.4566%5,492
Total risk-based capital ratio17.9053%2,486
Memoranda:
Average total assets$324,881,3302,048
Average earning assets$274,951,0002,198
Average equity$31,381,6702,253
Average total loans$228,196,6701,897
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2145%2,396
Cost of funding earning assets0.3058%4,377
Net interest margin3.9087%1,865
Noninterest income to average assets0.3955%4,041
Noninterest expense to average assets2.8551%3,050
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.8269%3,133
Return on assets (ROA)0.8269%3,256
Pretax return on assets0.8269%4,144
Return on Equity (ROE)8.6317%2,631
Retained earnings to average equity (ytd only)7.2899%1,865
Net charge-offs to loans0.0018%3,250
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)669.0000%74
Efficiency ratio77.5428%2,259
Assets per employee ($millions)5.0105%2,343
Cash dividends to net income (ytd only)*15.5456%2,637
Condition Ratios (%)
Loss allowance to loans1.5528%2,226
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets2.0938%1,107
Noncurrent loans to loans0.0000%5,830
Net loans and leases to total assets68.5619%2,356
Net loans and leases to deposits82.1570%2,326
Net loans and leases to core deposits85.6122%2,592
Total domestic deposits to total assets83.4522%4,027
Equity capital to assets9.6171%4,615
Core capital (leverage) ratio9.9270%3,703
Tier 1 risk-based capital ratio11.4366%5,590
Total risk-based capital ratio18.1398%2,476
Memoranda:
Average total assets$323,632,0002,059
Average earning assets$272,109,0002,234
Average equity$31,002,0002,294
Average total loans$224,379,0001,918
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0802%3,398
Cost of funding earning assets0.3164%4,618
Net interest margin3.7638%2,757
Noninterest income to average assets0.9303%1,412
Noninterest expense to average assets3.1638%2,316
Loan and lease loss provision to assets-0.8273%6,481
Net operating income to assets1.7430%526
Return on assets (ROA)1.7430%538
Pretax return on assets1.7430%903
Return on Equity (ROE)17.5149%442
Retained earnings to average equity (ytd only)17.5149%95
Net charge-offs to loans0.0137%4,612
Credit loss provision to net charge-offs-8,833.3333%6,087
Earnings coverage of net charge-offs (x)97.7667%536
Efficiency ratio77.5541%2,269
Assets per employee ($millions)4.9474%2,387
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.5873%2,136
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets2.1204%1,163
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets67.9203%2,569
Net loans and leases to deposits81.4793%2,545
Net loans and leases to core deposits84.7871%2,807
Total domestic deposits to total assets83.3589%3,959
Equity capital to assets9.5412%4,668
Core capital (leverage) ratio9.6503%4,033
Tier 1 risk-based capital ratio11.5323%5,643
Total risk-based capital ratio18.3824%2,422
Memoranda:
Average total assets$320,311,6002,028
Average earning assets$268,002,6002,211
Average equity$31,875,8002,171
Average total loans$219,421,0001,905
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0331%3,629
Cost of funding earning assets0.3174%4,700
Net interest margin3.7156%2,958
Noninterest income to average assets1.0504%1,112
Noninterest expense to average assets3.0854%2,510
Loan and lease loss provision to assets-0.8333%6,562
Net operating income to assets1.9050%415
Return on assets (ROA)1.9050%431
Pretax return on assets1.9050%715
Return on Equity (ROE)18.9465%354
Retained earnings to average equity (ytd only)18.9465%86
Net charge-offs to loans0.0353%3,781
Credit loss provision to net charge-offs-3,448.2759%6,015
Earnings coverage of net charge-offs (x)44.3457%1,057
Efficiency ratio74.2207%2,785
Assets per employee ($millions)4.9448%2,308
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.8173%1,657
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets2.4850%1,071
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets69.6729%2,247
Net loans and leases to deposits83.7312%2,190
Net loans and leases to core deposits87.0225%2,541
Total domestic deposits to total assets83.2102%4,062
Equity capital to assets9.6541%4,604
Core capital (leverage) ratio9.8327%3,899
Tier 1 risk-based capital ratio11.7785%5,624
Total risk-based capital ratio18.6618%2,388
Memoranda:
Average total assets$319,993,7502,045
Average earning assets$267,547,0002,225
Average equity$32,174,0002,162
Average total loans$218,790,5001,924
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8786%4,226
Cost of funding earning assets0.3180%4,783
Net interest margin3.5606%3,527
Noninterest income to average assets1.3871%628
Noninterest expense to average assets3.1823%2,245
Loan and lease loss provision to assets-1.2519%6,643
Net operating income to assets2.4349%157
Return on assets (ROA)2.4349%163
Pretax return on assets2.4349%240
Return on Equity (ROE)23.8975%143
Retained earnings to average equity (ytd only)23.8975%52
Net charge-offs to loans0.0788%2,906
Credit loss provision to net charge-offs-2,352.9412%5,835
Earnings coverage of net charge-offs (x)22.2353%1,512
Efficiency ratio72.8993%3,174
Assets per employee ($millions)4.9677%2,254
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.8277%1,769
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets2.6108%1,037
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets70.6762%1,969
Net loans and leases to deposits85.7024%1,853
Net loans and leases to core deposits89.1392%2,199
Total domestic deposits to total assets82.4670%4,483
Equity capital to assets10.9533%2,922
Core capital (leverage) ratio11.0294%2,395
Tier 1 risk-based capital ratio12.9713%4,929
Total risk-based capital ratio19.8419%1,992
Memoranda:
Average total assets$319,522,0002,046
Average earning assets$267,261,0002,228
Average equity$32,555,6702,125
Average total loans$215,694,0001,933
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6287%5,072
Cost of funding earning assets0.3229%4,821
Net interest margin3.3058%4,509
Noninterest income to average assets1.6159%471
Noninterest expense to average assets3.2788%1,993
Loan and lease loss provision to assets-2.4783%6,724
Net operating income to assets3.5812%70
Return on assets (ROA)3.5812%74
Pretax return on assets3.5812%101
Return on Equity (ROE)36.4744%42
Retained earnings to average equity (ytd only)36.4744%26
Net charge-offs to loans0.2105%1,489
Credit loss provision to net charge-offs-1,801.8018%5,452
Earnings coverage of net charge-offs (x)8.0180%2,065
Efficiency ratio74.8303%2,994
Assets per employee ($millions)5.1619%2,051
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.9415%1,643
Loan loss allowance to noncurrent loans39.5362%5,585
Noncurrent assets plus other real estate owned to assets6.0707%276
Noncurrent loans to loans4.9108%459
Net loans and leases to total assets63.5510%2,973
Net loans and leases to deposits76.1525%2,797
Net loans and leases to core deposits78.8394%3,109
Total domestic deposits to total assets83.4523%4,463
Equity capital to assets10.2008%3,599
Core capital (leverage) ratio10.3443%3,124
Tier 1 risk-based capital ratio13.2164%4,884
Total risk-based capital ratio20.3642%1,897
Memoranda:
Average total assets$322,801,0002,024
Average earning assets$270,072,5002,216
Average equity$31,693,5002,171
Average total loans$210,886,5001,970
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9210%4,382
Cost of funding earning assets0.4322%4,296
Net interest margin3.4887%3,951
Noninterest income to average assets0.8818%1,745
Noninterest expense to average assets3.7327%1,235
Loan and lease loss provision to assets-0.5428%6,753
Net operating income to assets0.4828%4,805
Return on assets (ROA)0.4828%4,946
Pretax return on assets0.4828%5,251
Return on Equity (ROE)5.1138%4,571
Retained earnings to average equity (ytd only)5.1138%2,517
Net charge-offs to loans-0.0304%6,231
Credit loss provision to net charge-offs2,698.4127%86
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio101.6344%432
Assets per employee ($millions)4.9293%2,272
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.9396%508
Loan loss allowance to noncurrent loans35.1246%5,788
Noncurrent assets plus other real estate owned to assets9.0346%152
Noncurrent loans to loans8.3692%176
Net loans and leases to total assets63.9228%3,055
Net loans and leases to deposits76.0262%2,965
Net loans and leases to core deposits78.7897%3,269
Total domestic deposits to total assets84.0800%4,132
Equity capital to assets9.4300%4,517
Core capital (leverage) ratio9.8661%3,748
Tier 1 risk-based capital ratio12.1167%5,548
Total risk-based capital ratio19.2915%2,200
Memoranda:
Average total assets$313,205,4002,054
Average earning assets$250,551,0002,318
Average equity$29,567,0002,280
Average total loans$207,150,0001,948
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9723%4,231
Cost of funding earning assets0.4650%4,116
Net interest margin3.5073%3,850
Noninterest income to average assets0.7947%2,176
Noninterest expense to average assets3.7690%1,125
Loan and lease loss provision to assets-0.4924%6,831
Net operating income to assets0.2954%5,633
Return on assets (ROA)0.2954%5,747
Pretax return on assets0.2954%5,891
Return on Equity (ROE)3.1286%5,560
Retained earnings to average equity (ytd only)3.1286%4,445
Net charge-offs to loans-0.4093%6,762
Credit loss provision to net charge-offs181.6746%1,337
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio105.5136%337
Assets per employee ($millions)4.6793%2,606
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans3.5161%334
Loan loss allowance to noncurrent loans39.2675%5,658
Noncurrent assets plus other real estate owned to assets11.2602%109
Noncurrent loans to loans8.9542%177
Net loans and leases to total assets65.0674%2,789
Net loans and leases to deposits77.8432%2,695
Net loans and leases to core deposits81.4614%2,939
Total domestic deposits to total assets83.5878%4,353
Equity capital to assets9.5644%4,469
Core capital (leverage) ratio9.8370%3,907
Tier 1 risk-based capital ratio11.8972%5,839
Total risk-based capital ratio19.1168%2,335
Memoranda:
Average total assets$311,406,2502,075
Average earning assets$246,600,7502,375
Average equity$29,405,2502,312
Average total loans$206,184,2501,963
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9605%4,260
Cost of funding earning assets0.5005%3,893
Net interest margin3.4600%3,957
Noninterest income to average assets0.9159%1,760
Noninterest expense to average assets3.9960%869
Loan and lease loss provision to assets-0.7366%6,902
Net operating income to assets0.3753%5,306
Return on assets (ROA)0.3753%5,475
Pretax return on assets0.3753%5,692
Return on Equity (ROE)3.9917%5,221
Retained earnings to average equity (ytd only)3.9917%3,752
Net charge-offs to loans-0.6103%6,840
Credit loss provision to net charge-offs183.4131%1,299
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio109.9383%277
Assets per employee ($millions)4.6700%2,562
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans3.4715%380
Loan loss allowance to noncurrent loans38.8933%5,676
Noncurrent assets plus other real estate owned to assets11.8433%106
Noncurrent loans to loans8.9258%203
Net loans and leases to total assets66.0103%2,592
Net loans and leases to deposits79.0651%2,449
Net loans and leases to core deposits83.8589%2,579
Total domestic deposits to total assets83.4886%4,511
Equity capital to assets9.6604%4,369
Core capital (leverage) ratio9.8145%3,775
Tier 1 risk-based capital ratio11.7158%5,981
Total risk-based capital ratio18.8444%2,446
Memoranda:
Average total assets$312,264,3302,079
Average earning assets$245,375,0002,395
Average equity$29,361,0002,313
Average total loans$205,488,3301,972
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9486%4,301
Cost of funding earning assets0.5547%3,524
Net interest margin3.3940%4,140
Noninterest income to average assets0.9533%1,603
Noninterest expense to average assets3.9467%946
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets-0.3691%6,614
Return on assets (ROA)-0.3691%6,646
Pretax return on assets-0.3691%6,621
Return on Equity (ROE)-3.9789%6,647
Retained earnings to average equity (ytd only)-3.9789%6,272
Net charge-offs to loans-0.4910%6,853
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio110.3166%324
Assets per employee ($millions)4.5540%2,874
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans4.0238%282
Loan loss allowance to noncurrent loans41.2894%5,550
Noncurrent assets plus other real estate owned to assets15.3291%70
Noncurrent loans to loans9.7455%222
Net loans and leases to total assets63.2335%2,844
Net loans and leases to deposits75.6246%2,696
Net loans and leases to core deposits80.1577%2,785
Total domestic deposits to total assets83.6150%4,626
Equity capital to assets9.5009%4,849
Core capital (leverage) ratio9.2345%4,505
Tier 1 risk-based capital ratio11.4798%6,196
Total risk-based capital ratio18.4943%2,631
Memoranda:
Average total assets$314,288,0002,086
Average earning assets$243,020,5002,446
Average equity$29,154,0002,361
Average total loans$202,846,5002,009
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6017%2,995
Cost of funding earning assets0.7810%2,823
Net interest margin3.8207%3,141
Noninterest income to average assets0.6954%2,747
Noninterest expense to average assets3.8921%1,107
Loan and lease loss provision to assets0.3427%1,958
Net operating income to assets-0.6191%6,618
Return on assets (ROA)-0.6191%6,650
Pretax return on assets-0.6191%6,623
Return on Equity (ROE)-6.8127%6,649
Retained earnings to average equity (ytd only)-6.8127%6,519
Net charge-offs to loans1.4674%617
Credit loss provision to net charge-offs35.0095%5,022
Earnings coverage of net charge-offs (x)-0.2823%5,610
Efficiency ratio107.6433%379
Assets per employee ($millions)4.8277%2,453
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.8306%320
Loan loss allowance to noncurrent loans39.5920%5,647
Noncurrent assets plus other real estate owned to assets16.2291%64
Noncurrent loans to loans9.6753%252
Net loans and leases to total assets60.8509%3,444
Net loans and leases to deposits72.1955%3,381
Net loans and leases to core deposits78.6084%3,186
Total domestic deposits to total assets84.2863%4,188
Equity capital to assets9.0643%5,449
Core capital (leverage) ratio9.2309%4,522
Tier 1 risk-based capital ratio11.2173%6,265
Total risk-based capital ratio18.0985%2,691
Memoranda:
Average total assets$320,960,8002,003
Average earning assets$245,323,4002,365
Average equity$29,166,0002,307
Average total loans$214,117,4001,890
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7839%2,447
Cost of funding earning assets0.8259%2,735
Net interest margin3.9579%2,677
Noninterest income to average assets0.8949%1,848
Noninterest expense to average assets3.8812%1,087
Loan and lease loss provision to assets1.1030%351
Net operating income to assets-1.0655%6,879
Return on assets (ROA)-1.0655%6,902
Pretax return on assets-1.0655%6,882
Return on Equity (ROE)-11.7182%6,890
Retained earnings to average equity (ytd only)-11.7182%6,854
Net charge-offs to loans2.6114%235
Credit loss provision to net charge-offs62.5000%4,084
Earnings coverage of net charge-offs (x)0.0212%5,321
Efficiency ratio99.0441%567
Assets per employee ($millions)4.6297%2,704
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans4.0080%304
Loan loss allowance to noncurrent loans579.4549%671
Noncurrent assets plus other real estate owned to assets12.9950%130
Noncurrent loans to loans0.6917%5,054
Net loans and leases to total assets63.0824%3,192
Net loans and leases to deposits75.0367%3,140
Net loans and leases to core deposits81.8362%2,985
Total domestic deposits to total assets84.0687%4,181
Equity capital to assets9.1135%5,695
Core capital (leverage) ratio9.1224%4,876
Tier 1 risk-based capital ratio10.6667%6,607
Total risk-based capital ratio17.2732%3,217
Memoranda:
Average total assets$320,337,0002,028
Average earning assets$244,733,5002,405
Average equity$29,127,7502,328
Average total loans$216,480,2501,881
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8498%2,305
Cost of funding earning assets0.8723%2,642
Net interest margin3.9775%2,603
Noninterest income to average assets0.8678%1,896
Noninterest expense to average assets4.0121%927
Loan and lease loss provision to assets1.6451%208
Net operating income to assets-1.7264%7,043
Return on assets (ROA)-1.7264%7,058
Pretax return on assets-1.7264%7,036
Return on Equity (ROE)-19.0002%7,027
Retained earnings to average equity (ytd only)-19.0002%7,000
Net charge-offs to loans2.8806%209
Credit loss provision to net charge-offs83.7547%3,217
Earnings coverage of net charge-offs (x)-0.0414%5,104
Efficiency ratio102.0689%494
Assets per employee ($millions)4.4503%3,003
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans4.3995%252
Loan loss allowance to noncurrent loans115.6972%2,821
Noncurrent assets plus other real estate owned to assets12.6502%156
Noncurrent loans to loans3.8026%1,476
Net loans and leases to total assets65.3462%2,798
Net loans and leases to deposits77.7837%2,707
Net loans and leases to core deposits86.3820%2,377
Total domestic deposits to total assets84.0101%4,313
Equity capital to assets9.1243%5,555
Core capital (leverage) ratio8.9729%4,950
Tier 1 risk-based capital ratio10.7350%6,600
Total risk-based capital ratio17.3815%3,067
Memoranda:
Average total assets$322,176,0002,013
Average earning assets$248,092,6702,371
Average equity$29,273,3302,303
Average total loans$219,677,6701,859
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8466%2,456
Cost of funding earning assets0.9347%2,407
Net interest margin3.9119%2,873
Noninterest income to average assets0.4812%4,050
Noninterest expense to average assets3.9096%1,055
Loan and lease loss provision to assets3.2366%62
Net operating income to assets-3.6592%7,247
Return on assets (ROA)-3.6592%7,248
Pretax return on assets-3.6592%7,236
Return on Equity (ROE)-40.3529%7,201
Retained earnings to average equity (ytd only)-40.3529%7,186
Net charge-offs to loans5.6382%75
Credit loss provision to net charge-offs84.2875%2,659
Earnings coverage of net charge-offs (x)-0.1101%4,410
Efficiency ratio112.1191%312
Assets per employee ($millions)4.6106%2,789
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans4.4292%261
Loan loss allowance to noncurrent loans137.7145%2,340
Noncurrent assets plus other real estate owned to assets14.2478%125
Noncurrent loans to loans3.2162%1,997
Net loans and leases to total assets62.7652%3,106
Net loans and leases to deposits74.1519%3,104
Net loans and leases to core deposits83.6932%2,584
Total domestic deposits to total assets84.6442%4,190
Equity capital to assets8.7366%5,828
Core capital (leverage) ratio8.5781%5,468
Tier 1 risk-based capital ratio10.4604%6,752
Total risk-based capital ratio16.9688%3,298
Memoranda:
Average total assets$327,503,5001,987
Average earning assets$251,639,5002,351
Average equity$29,698,0002,283
Average total loans$223,049,0001,834
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7829%3,886
Cost of funding earning assets1.1041%2,643
Net interest margin3.6788%4,399
Noninterest income to average assets0.9774%1,432
Noninterest expense to average assets3.6908%1,554
Loan and lease loss provision to assets0.3342%3,019
Net operating income to assets-0.1014%6,165
Return on assets (ROA)-0.1014%6,239
Pretax return on assets-0.1014%6,212
Return on Equity (ROE)-1.1330%6,256
Retained earnings to average equity (ytd only)-1.1330%6,027
Net charge-offs to loans1.7288%875
Credit loss provision to net charge-offs27.2664%5,828
Earnings coverage of net charge-offs (x)0.1899%5,691
Efficiency ratio94.0681%921
Assets per employee ($millions)4.6798%2,635
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans4.2206%321
Loan loss allowance to noncurrent loans164.6726%1,952
Noncurrent assets plus other real estate owned to assets11.3212%250
Noncurrent loans to loans2.5630%2,563
Net loans and leases to total assets67.4938%2,495
Net loans and leases to deposits81.0678%2,347
Net loans and leases to core deposits90.7703%2,013
Total domestic deposits to total assets83.2560%4,639
Equity capital to assets9.3899%5,035
Core capital (leverage) ratio9.2538%4,387
Tier 1 risk-based capital ratio11.2377%6,325
Total risk-based capital ratio17.9145%2,707
Memoranda:
Average total assets$351,033,4001,849
Average earning assets$281,124,0002,086
Average equity$31,421,6002,106
Average total loans$248,850,2001,681
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7418%4,270
Cost of funding earning assets1.1324%2,755
Net interest margin3.6094%4,731
Noninterest income to average assets1.1368%1,022
Noninterest expense to average assets3.6769%1,546
Loan and lease loss provision to assets0.4397%2,277
Net operating income to assets-0.0731%6,251
Return on assets (ROA)-0.0731%6,341
Pretax return on assets-0.0731%6,306
Return on Equity (ROE)-0.8260%6,354
Retained earnings to average equity (ytd only)-0.8260%6,121
Net charge-offs to loans2.6938%386
Credit loss provision to net charge-offs22.9910%5,521
Earnings coverage of net charge-offs (x)0.1917%5,452
Efficiency ratio90.9344%1,114
Assets per employee ($millions)4.6225%2,722
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.7013%488
Loan loss allowance to noncurrent loans109.9649%2,717
Noncurrent assets plus other real estate owned to assets10.7413%310
Noncurrent loans to loans3.3659%2,050
Net loans and leases to total assets70.0242%2,078
Net loans and leases to deposits84.8346%1,871
Net loans and leases to core deposits98.7067%1,367
Total domestic deposits to total assets82.5421%4,859
Equity capital to assets9.2969%5,387
Core capital (leverage) ratio9.2657%4,515
Tier 1 risk-based capital ratio10.9783%6,551
Total risk-based capital ratio17.4987%2,957
Memoranda:
Average total assets$355,726,0001,830
Average earning assets$286,464,2502,057
Average equity$31,477,2502,108
Average total loans$252,528,0001,672
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6725%4,646
Cost of funding earning assets1.1661%2,797
Net interest margin3.5064%5,134
Noninterest income to average assets1.2172%857
Noninterest expense to average assets3.4830%2,026
Loan and lease loss provision to assets0.6484%1,480
Net operating income to assets-0.0785%6,324
Return on assets (ROA)-0.0785%6,380
Pretax return on assets-0.0785%6,342
Return on Equity (ROE)-0.9012%6,391
Retained earnings to average equity (ytd only)-0.9012%6,031
Net charge-offs to loans3.4106%266
Credit loss provision to net charge-offs26.9841%5,032
Earnings coverage of net charge-offs (x)0.2372%5,131
Efficiency ratio85.9384%1,605
Assets per employee ($millions)4.7790%2,434
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.9504%431
Loan loss allowance to noncurrent loans119.2508%2,448
Noncurrent assets plus other real estate owned to assets12.3994%238
Noncurrent loans to loans3.3127%2,157
Net loans and leases to total assets69.5104%2,315
Net loans and leases to deposits84.6099%2,014
Net loans and leases to core deposits101.6011%1,203
Total domestic deposits to total assets82.1540%5,112
Equity capital to assets9.1244%5,388
Core capital (leverage) ratio8.9631%4,781
Tier 1 risk-based capital ratio10.7077%6,710
Total risk-based capital ratio17.0920%3,034
Memoranda:
Average total assets$361,819,3301,811
Average earning assets$292,606,0002,019
Average equity$31,512,3302,094
Average total loans$254,912,0001,684
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4728%5,434
Cost of funding earning assets1.2003%2,813
Net interest margin3.2725%5,871
Noninterest income to average assets1.8949%391
Noninterest expense to average assets3.2783%2,629
Loan and lease loss provision to assets1.2658%549
Net operating income to assets0.0399%6,255
Return on assets (ROA)0.0399%6,292
Pretax return on assets0.0399%6,283
Return on Equity (ROE)0.4688%6,267
Retained earnings to average equity (ytd only)0.4688%5,633
Net charge-offs to loans4.6273%176
Credit loss provision to net charge-offs39.3228%3,965
Earnings coverage of net charge-offs (x)0.4056%4,317
Efficiency ratio71.5160%3,957
Assets per employee ($millions)4.9815%2,192
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans4.3992%309
Loan loss allowance to noncurrent loans72.9469%3,801
Noncurrent assets plus other real estate owned to assets12.2293%255
Noncurrent loans to loans6.0306%1,047
Net loans and leases to total assets66.9369%2,774
Net loans and leases to deposits82.3562%2,300
Net loans and leases to core deposits107.5335%865
Total domestic deposits to total assets81.2773%5,579
Equity capital to assets8.6803%5,681
Core capital (leverage) ratio8.6080%5,256
Tier 1 risk-based capital ratio10.9152%6,561
Total risk-based capital ratio17.3756%2,816
Memoranda:
Average total assets$370,685,0001,781
Average earning assets$304,598,0001,957
Average equity$31,570,5002,075
Average total loans$257,861,0001,678
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6416%5,983
Cost of funding earning assets1.4129%3,183
Net interest margin3.2286%6,196
Noninterest income to average assets0.1294%6,750
Noninterest expense to average assets4.5056%646
Loan and lease loss provision to assets2.4787%452
Net operating income to assets-4.1488%7,454
Return on assets (ROA)-4.1488%7,462
Pretax return on assets-4.1488%7,456
Return on Equity (ROE)-40.8250%7,358
Retained earnings to average equity (ytd only)-40.8250%7,351
Net charge-offs to loans1.9543%1,042
Credit loss provision to net charge-offs170.5830%1,986
Earnings coverage of net charge-offs (x)-1.1493%6,633
Efficiency ratio158.8954%171
Assets per employee ($millions)5.1742%1,902
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans4.9831%195
Loan loss allowance to noncurrent loans60.7877%4,378
Noncurrent assets plus other real estate owned to assets13.2559%218
Noncurrent loans to loans8.1975%619
Net loans and leases to total assets65.6820%3,527
Net loans and leases to deposits81.2845%2,933
Net loans and leases to core deposits108.0827%1,041
Total domestic deposits to total assets80.8051%5,589
Equity capital to assets8.3594%6,059
Core capital (leverage) ratio8.2023%5,817
Tier 1 risk-based capital ratio10.7131%6,560
Total risk-based capital ratio17.0906%2,783
Memoranda:
Average total assets$389,513,2001,691
Average earning assets$326,483,8001,826
Average equity$39,583,6001,669
Average total loans$289,619,0001,543
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6987%6,023
Cost of funding earning assets1.4445%3,302
Net interest margin3.2543%6,156
Noninterest income to average assets0.1451%6,819
Noninterest expense to average assets4.4582%627
Loan and lease loss provision to assets2.8744%320
Net operating income to assets-4.4521%7,605
Return on assets (ROA)-4.4521%7,617
Pretax return on assets-4.4521%7,600
Return on Equity (ROE)-42.0166%7,514
Retained earnings to average equity (ytd only)-42.0166%7,512
Net charge-offs to loans1.8934%1,011
Credit loss provision to net charge-offs200.7831%1,775
Earnings coverage of net charge-offs (x)-1.1020%6,457
Efficiency ratio154.7706%185
Assets per employee ($millions)5.1998%1,936
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans4.9405%181
Loan loss allowance to noncurrent loans61.0832%4,255
Noncurrent assets plus other real estate owned to assets15.7277%132
Noncurrent loans to loans8.0881%633
Net loans and leases to total assets66.3206%3,616
Net loans and leases to deposits82.5437%3,003
Net loans and leases to core deposits110.9424%987
Total domestic deposits to total assets80.3460%5,595
Equity capital to assets9.0065%5,572
Core capital (leverage) ratio8.8052%4,999
Tier 1 risk-based capital ratio11.0374%6,339
Total risk-based capital ratio17.1042%2,782
Memoranda:
Average total assets$392,461,5001,703
Average earning assets$329,897,0001,836
Average equity$41,585,7501,596
Average total loans$296,747,5001,524
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6289%6,375
Cost of funding earning assets1.4382%3,625
Net interest margin3.1907%6,345
Noninterest income to average assets0.4415%4,593
Noninterest expense to average assets4.3350%696
Loan and lease loss provision to assets1.1944%1,173
Net operating income to assets-2.3695%7,390
Return on assets (ROA)-2.3695%7,403
Pretax return on assets-2.3695%7,338
Return on Equity (ROE)-21.3233%7,300
Retained earnings to average equity (ytd only)-21.3233%7,285
Net charge-offs to loans1.9152%967
Credit loss provision to net charge-offs80.4570%4,697
Earnings coverage of net charge-offs (x)-0.7916%6,090
Efficiency ratio137.1896%267
Assets per employee ($millions)5.2530%1,864
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.9186%895
Loan loss allowance to noncurrent loans27.7977%6,505
Noncurrent assets plus other real estate owned to assets16.4072%108
Noncurrent loans to loans10.4996%407
Net loans and leases to total assets72.2465%2,335
Net loans and leases to deposits94.7637%1,182
Net loans and leases to core deposits129.8742%423
Total domestic deposits to total assets76.2386%6,638
Equity capital to assets10.9251%2,945
Core capital (leverage) ratio10.8480%2,369
Tier 1 risk-based capital ratio12.5066%4,857
Total risk-based capital ratio18.1908%2,257
Memoranda:
Average total assets$395,019,6701,706
Average earning assets$336,537,3301,818
Average equity$43,895,6701,515
Average total loans$306,178,0001,497
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5689%6,640
Cost of funding earning assets1.4317%3,979
Net interest margin3.1372%6,498
Noninterest income to average assets0.4109%4,812
Noninterest expense to average assets3.4568%2,083
Loan and lease loss provision to assets0.9112%1,396
Net operating income to assets-1.2407%7,234
Return on assets (ROA)-1.2407%7,252
Pretax return on assets-1.2407%7,165
Return on Equity (ROE)-11.0739%7,172
Retained earnings to average equity (ytd only)-11.0739%7,019
Net charge-offs to loans0.9599%1,695
Credit loss provision to net charge-offs120.1325%2,901
Earnings coverage of net charge-offs (x)-0.4344%5,258
Efficiency ratio110.5365%586
Assets per employee ($millions)5.1515%2,026
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.9710%848
Loan loss allowance to noncurrent loans18.6858%7,077
Noncurrent assets plus other real estate owned to assets17.6357%92
Noncurrent loans to loans15.8998%154
Net loans and leases to total assets76.4766%1,440
Net loans and leases to deposits100.8607%707
Net loans and leases to core deposits140.4643%323
Total domestic deposits to total assets75.8240%6,789
Equity capital to assets11.3519%2,465
Core capital (leverage) ratio11.1982%2,095
Tier 1 risk-based capital ratio12.8629%4,428
Total risk-based capital ratio18.4713%2,141
Memoranda:
Average total assets$398,170,0001,734
Average earning assets$344,764,0001,817
Average equity$44,609,5001,507
Average total loans$314,627,5001,498
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0970%6,098
Cost of funding earning assets1.6164%4,959
Net interest margin3.4806%5,037
Noninterest income to average assets1.0376%1,445
Noninterest expense to average assets3.0378%3,996
Loan and lease loss provision to assets1.6738%1,370
Net operating income to assets-0.5497%6,231
Return on assets (ROA)-0.5497%6,225
Pretax return on assets-0.5497%6,055
Return on Equity (ROE)-5.4674%6,262
Retained earnings to average equity (ytd only)-5.4674%6,085
Net charge-offs to loans2.0173%1,216
Credit loss provision to net charge-offs98.8843%5,633
Earnings coverage of net charge-offs (x)0.6641%5,427
Efficiency ratio72.9905%4,098
Assets per employee ($millions)5.2575%1,879
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.8116%922
Loan loss allowance to noncurrent loans22.3124%6,945
Noncurrent assets plus other real estate owned to assets13.8906%172
Noncurrent loans to loans12.6010%257
Net loans and leases to total assets76.9848%1,589
Net loans and leases to deposits103.9255%652
Net loans and leases to core deposits120.6874%1,901
Total domestic deposits to total assets74.0769%7,003
Equity capital to assets11.0603%2,663
Core capital (leverage) ratio10.5233%2,583
Tier 1 risk-based capital ratio12.6951%4,369
Total risk-based capital ratio18.2142%2,127
Memoranda:
Average total assets$444,796,8001,563
Average earning assets$399,272,6001,594
Average equity$44,720,0001,500
Average total loans$373,214,4001,285
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1319%6,165
Cost of funding earning assets1.6454%5,183
Net interest margin3.4866%4,917
Noninterest income to average assets1.2234%1,026
Noninterest expense to average assets2.8848%4,521
Loan and lease loss provision to assets1.2747%1,512
Net operating income to assets0.2123%5,109
Return on assets (ROA)0.2123%5,193
Pretax return on assets0.2123%5,268
Return on Equity (ROE)2.1592%5,108
Retained earnings to average equity (ytd only)2.1592%4,118
Net charge-offs to loans0.8396%2,282
Credit loss provision to net charge-offs178.7094%2,573
Earnings coverage of net charge-offs (x)2.0847%4,260
Efficiency ratio65.9871%5,362
Assets per employee ($millions)5.7121%1,423
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans3.1121%607
Loan loss allowance to noncurrent loans31.3594%6,357
Noncurrent assets plus other real estate owned to assets10.4914%312
Noncurrent loans to loans9.9239%404
Net loans and leases to total assets77.9674%1,578
Net loans and leases to deposits103.6002%802
Net loans and leases to core deposits122.1267%2,059
Total domestic deposits to total assets75.2580%6,729
Equity capital to assets10.4009%3,616
Core capital (leverage) ratio10.3345%2,941
Tier 1 risk-based capital ratio12.5277%4,518
Total risk-based capital ratio17.9093%2,322
Memoranda:
Average total assets$454,789,0001,539
Average earning assets$410,672,0001,556
Average equity$44,706,2501,522
Average total loans$386,350,0001,263
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2835%5,733
Cost of funding earning assets1.6815%5,357
Net interest margin3.6020%4,351
Noninterest income to average assets1.6247%562
Noninterest expense to average assets2.7892%5,001
Loan and lease loss provision to assets1.0605%1,608
Net operating income to assets1.0327%1,999
Return on assets (ROA)1.0327%2,076
Pretax return on assets1.0327%2,872
Return on Equity (ROE)10.7035%1,792
Retained earnings to average equity (ytd only)10.7035%611
Net charge-offs to loans0.0635%5,610
Credit loss provision to net charge-offs1,934.9206%275
Earnings coverage of net charge-offs (x)38.1905%838
Efficiency ratio57.1276%6,974
Assets per employee ($millions)5.7767%1,360
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.0376%554
Loan loss allowance to noncurrent loans29.3292%6,539
Noncurrent assets plus other real estate owned to assets11.2251%224
Noncurrent loans to loans10.3570%329
Net loans and leases to total assets81.8953%976
Net loans and leases to deposits112.7591%455
Net loans and leases to core deposits132.9510%1,375
Total domestic deposits to total assets72.6285%7,166
Equity capital to assets10.2245%3,696
Core capital (leverage) ratio10.0587%3,231
Tier 1 risk-based capital ratio11.5067%5,374
Total risk-based capital ratio16.5734%2,815
Memoranda:
Average total assets$459,773,6701,542
Average earning assets$415,824,3301,561
Average equity$44,359,3301,538
Average total loans$397,152,3301,249
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1367%6,537
Cost of funding earning assets1.7088%5,564
Net interest margin3.4279%5,021
Noninterest income to average assets2.2129%305
Noninterest expense to average assets2.6940%5,039
Loan and lease loss provision to assets1.4433%879
Net operating income to assets1.1959%1,665
Return on assets (ROA)1.1959%1,780
Pretax return on assets1.1959%2,642
Return on Equity (ROE)12.7581%1,448
Retained earnings to average equity (ytd only)12.7581%673
Net charge-offs to loans0.1275%3,944
Credit loss provision to net charge-offs1,296.9231%488
Earnings coverage of net charge-offs (x)23.7154%1,268
Efficiency ratio50.5136%7,551
Assets per employee ($millions)5.8248%1,300
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.6793%639
Loan loss allowance to noncurrent loans26.8096%6,780
Noncurrent assets plus other real estate owned to assets10.5048%203
Noncurrent loans to loans9.9939%294
Net loans and leases to total assets85.1916%528
Net loans and leases to deposits119.8556%292
Net loans and leases to core deposits138.2905%1,187
Total domestic deposits to total assets71.0785%7,321
Equity capital to assets9.7932%4,249
Core capital (leverage) ratio9.7035%3,753
Tier 1 risk-based capital ratio10.7296%6,158
Total risk-based capital ratio15.6136%3,310
Memoranda:
Average total assets$467,257,5001,532
Average earning assets$425,328,5001,531
Average equity$43,799,5001,553
Average total loans$407,885,0001,235
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9322%1,302
Cost of funding earning assets2.2401%5,420
Net interest margin4.6921%989
Noninterest income to average assets1.3292%822
Noninterest expense to average assets2.7036%5,253
Loan and lease loss provision to assets0.9974%1,477
Net operating income to assets1.9049%425
Return on assets (ROA)1.9049%413
Pretax return on assets1.9049%756
Return on Equity (ROE)20.2465%354
Retained earnings to average equity (ytd only)-2.3803%5,974
Net charge-offs to loans0.0022%6,993
Credit loss provision to net charge-offs52,055.5556%4
Earnings coverage of net charge-offs (x)1,514.7778%24
Efficiency ratio48.2285%7,787
Assets per employee ($millions)6.0022%1,138
Cash dividends to net income (ytd only)*111.7568%781
Condition Ratios (%)
Loss allowance to loans2.1767%973
Loan loss allowance to noncurrent loans44.0593%5,809
Noncurrent assets plus other real estate owned to assets4.3013%908
Noncurrent loans to loans4.9405%904
Net loans and leases to total assets85.1678%710
Net loans and leases to deposits123.1564%317
Net loans and leases to core deposits138.4704%1,346
Total domestic deposits to total assets69.1541%7,364
Equity capital to assets8.9769%5,398
Core capital (leverage) ratio9.0887%4,608
Tier 1 risk-based capital ratio10.1673%6,558
Total risk-based capital ratio14.9678%3,606
Memoranda:
Average total assets$469,740,6001,470
Average earning assets$428,148,0001,458
Average equity$44,195,4001,526
Average total loans$412,747,4001,166