Home > Anderson Brothers Bank > Performance and Condition Ratios

Anderson Brothers Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.2669%114
Cost of funding earning assets1.9692%2,014
Net interest margin6.2977%72
Noninterest income to average assets0.7400%925
Noninterest expense to average assets3.9778%387
Loan and lease loss provision to assets1.1500%77
Net operating income to assets1.2246%1,669
Return on assets (ROA)1.2246%1,666
Pretax return on assets1.5370%1,430
Return on Equity (ROE)14.4400%1,183
Retained earnings to average equity (ytd only)9.7643%1,235
Net charge-offs to loans1.1370%130
Credit loss provision to net charge-offs127.8660%1,112
Earnings coverage of net charge-offs (x)2.9872%2,046
Efficiency ratio59.6822%3,004
Assets per employee ($millions)4.9564%3,699
Cash dividends to net income (ytd only)*32.3887%1,693
Condition Ratios (%)
Loss allowance to loans1.9499%415
Loan loss allowance to noncurrent loans302.0708%1,641
Noncurrent assets plus other real estate owned to assets0.5226%1,421
Noncurrent loans to loans0.6455%1,558
Net loans and leases to total assets76.6600%1,000
Net loans and leases to deposits84.3450%1,655
Net loans and leases to core deposits107.8145%945
Total domestic deposits to total assets90.8900%550
Equity capital to assets8.4340%3,361
Core capital (leverage) ratio9.1608%3,619
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4775%2,363
Memoranda:
Average total assets$2,016,971,000590
Average earning assets$1,896,615,500571
Average equity$171,030,500668
Average total loans$1,595,762,500531
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.4079%126
Cost of funding earning assets2.0243%2,162
Net interest margin6.3836%75
Noninterest income to average assets0.8300%865
Noninterest expense to average assets4.1387%343
Loan and lease loss provision to assets1.1700%62
Net operating income to assets1.2345%1,426
Return on assets (ROA)1.2345%1,437
Pretax return on assets1.5066%1,265
Return on Equity (ROE)14.7900%972
Retained earnings to average equity (ytd only)11.6466%341
Net charge-offs to loans1.2866%116
Credit loss provision to net charge-offs116.8102%1,702
Earnings coverage of net charge-offs (x)2.6760%2,805
Efficiency ratio60.7535%3,079
Assets per employee ($millions)4.6577%3,854
Cash dividends to net income (ytd only)*21.2441%2,906
Condition Ratios (%)
Loss allowance to loans1.6657%696
Loan loss allowance to noncurrent loans290.8033%1,731
Noncurrent assets plus other real estate owned to assets0.4769%1,498
Noncurrent loans to loans0.5728%1,651
Net loans and leases to total assets78.6400%818
Net loans and leases to deposits86.5293%1,536
Net loans and leases to core deposits109.4046%960
Total domestic deposits to total assets90.8800%551
Equity capital to assets8.5429%3,166
Core capital (leverage) ratio9.1106%3,621
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6786%2,323
Memoranda:
Average total assets$1,906,519,000604
Average earning assets$1,786,502,400593
Average equity$159,154,000678
Average total loans$1,480,486,800547
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3054%139
Cost of funding earning assets1.9968%2,221
Net interest margin6.3086%82
Noninterest income to average assets0.8700%778
Noninterest expense to average assets4.1455%340
Loan and lease loss provision to assets1.0200%68
Net operating income to assets1.2394%1,438
Return on assets (ROA)1.2394%1,441
Pretax return on assets1.6129%1,141
Return on Equity (ROE)14.9400%967
Retained earnings to average equity (ytd only)10.6875%705
Net charge-offs to loans1.2401%110
Credit loss provision to net charge-offs107.0190%1,594
Earnings coverage of net charge-offs (x)2.7581%2,571
Efficiency ratio61.1345%3,044
Assets per employee ($millions)4.7330%3,812
Cash dividends to net income (ytd only)*28.4511%2,247
Condition Ratios (%)
Loss allowance to loans1.5962%845
Loan loss allowance to noncurrent loans289.1889%1,781
Noncurrent assets plus other real estate owned to assets0.4350%1,572
Noncurrent loans to loans0.5520%1,708
Net loans and leases to total assets74.2300%1,333
Net loans and leases to deposits82.7951%1,897
Net loans and leases to core deposits101.7774%1,383
Total domestic deposits to total assets89.6600%687
Equity capital to assets8.3923%3,468
Core capital (leverage) ratio9.1650%3,606
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8607%2,292
Memoranda:
Average total assets$1,890,599,250601
Average earning assets$1,770,587,500592
Average equity$156,864,250682
Average total loans$1,456,707,500554
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.2984%137
Cost of funding earning assets1.9812%2,169
Net interest margin6.3171%83
Noninterest income to average assets0.9000%711
Noninterest expense to average assets4.2517%316
Loan and lease loss provision to assets1.0200%68
Net operating income to assets1.1803%1,522
Return on assets (ROA)1.1803%1,523
Pretax return on assets1.5319%1,228
Return on Equity (ROE)14.2800%1,112
Retained earnings to average equity (ytd only)11.0253%686
Net charge-offs to loans1.2700%101
Credit loss provision to net charge-offs103.8024%1,461
Earnings coverage of net charge-offs (x)2.5919%2,389
Efficiency ratio62.4602%2,949
Assets per employee ($millions)4.6282%3,853
Cash dividends to net income (ytd only)*22.8165%2,429
Condition Ratios (%)
Loss allowance to loans1.5881%886
Loan loss allowance to noncurrent loans318.2585%1,751
Noncurrent assets plus other real estate owned to assets0.4108%1,561
Noncurrent loans to loans0.4990%1,755
Net loans and leases to total assets77.1400%1,016
Net loans and leases to deposits86.0945%1,653
Net loans and leases to core deposits102.6658%1,322
Total domestic deposits to total assets89.6000%815
Equity capital to assets8.4124%3,155
Core capital (leverage) ratio9.1042%3,642
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7786%2,338
Memoranda:
Average total assets$1,856,594,333614
Average earning assets$1,737,497,000601
Average equity$153,410,333695
Average total loans$1,441,226,667559
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.1098%155
Cost of funding earning assets1.8768%2,303
Net interest margin6.2330%99
Noninterest income to average assets0.8500%733
Noninterest expense to average assets4.1910%317
Loan and lease loss provision to assets0.9800%84
Net operating income to assets1.1592%1,530
Return on assets (ROA)1.1592%1,540
Pretax return on assets1.5136%1,227
Return on Equity (ROE)14.1600%1,114
Retained earnings to average equity (ytd only)7.5404%1,669
Net charge-offs to loans1.2280%79
Credit loss provision to net charge-offs102.8336%1,125
Earnings coverage of net charge-offs (x)2.6241%1,981
Efficiency ratio62.7393%2,948
Assets per employee ($millions)4.6707%3,856
Cash dividends to net income (ytd only)*46.7464%1,376
Condition Ratios (%)
Loss allowance to loans1.5960%855
Loan loss allowance to noncurrent loans271.0542%2,036
Noncurrent assets plus other real estate owned to assets0.4600%1,368
Noncurrent loans to loans0.5888%1,473
Net loans and leases to total assets73.6900%1,382
Net loans and leases to deposits82.1650%1,872
Net loans and leases to core deposits100.1064%1,419
Total domestic deposits to total assets89.6900%895
Equity capital to assets7.8384%3,471
Core capital (leverage) ratio9.2116%3,491
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5816%2,397
Memoranda:
Average total assets$1,845,375,500632
Average earning assets$1,724,828,500618
Average equity$151,079,500709
Average total loans$1,425,358,500567
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.9790%122
Cost of funding earning assets1.4016%2,226
Net interest margin6.5774%77
Noninterest income to average assets0.9500%690
Noninterest expense to average assets4.2640%314
Loan and lease loss provision to assets0.9600%76
Net operating income to assets1.4367%1,146
Return on assets (ROA)1.4367%1,114
Pretax return on assets1.7625%939
Return on Equity (ROE)17.3400%908
Retained earnings to average equity (ytd only)12.5248%572
Net charge-offs to loans0.9933%104
Credit loss provision to net charge-offs123.6441%1,646
Earnings coverage of net charge-offs (x)3.4969%2,638
Efficiency ratio60.9963%2,970
Assets per employee ($millions)4.3162%4,041
Cash dividends to net income (ytd only)*27.7881%2,639
Condition Ratios (%)
Loss allowance to loans1.6471%765
Loan loss allowance to noncurrent loans265.3310%2,162
Noncurrent assets plus other real estate owned to assets0.5167%1,086
Noncurrent loans to loans0.6208%1,271
Net loans and leases to total assets78.5200%811
Net loans and leases to deposits88.0967%1,421
Net loans and leases to core deposits101.4793%1,356
Total domestic deposits to total assets89.1300%1,024
Equity capital to assets8.5724%2,998
Core capital (leverage) ratio9.2311%3,488
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7537%2,321
Memoranda:
Average total assets$1,690,774,600650
Average earning assets$1,553,759,800646
Average equity$140,050,400713
Average total loans$1,327,193,600573
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.8472%121
Cost of funding earning assets1.2677%2,227
Net interest margin6.5795%68
Noninterest income to average assets1.0100%629
Noninterest expense to average assets4.2504%311
Loan and lease loss provision to assets0.8900%74
Net operating income to assets1.4553%1,210
Return on assets (ROA)1.4553%1,191
Pretax return on assets1.8945%864
Return on Equity (ROE)17.7300%979
Retained earnings to average equity (ytd only)13.3681%762
Net charge-offs to loans0.8922%102
Credit loss provision to net charge-offs127.8393%1,437
Earnings coverage of net charge-offs (x)3.9955%2,418
Efficiency ratio60.4079%2,919
Assets per employee ($millions)4.3534%4,023
Cash dividends to net income (ytd only)*24.6076%2,277
Condition Ratios (%)
Loss allowance to loans1.6143%858
Loan loss allowance to noncurrent loans267.4919%2,144
Noncurrent assets plus other real estate owned to assets0.4816%1,199
Noncurrent loans to loans0.6035%1,336
Net loans and leases to total assets76.7400%1,024
Net loans and leases to deposits84.9419%1,655
Net loans and leases to core deposits95.6374%1,574
Total domestic deposits to total assets90.3500%850
Equity capital to assets7.9409%3,092
Core capital (leverage) ratio9.2148%3,576
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6782%2,394
Memoranda:
Average total assets$1,675,370,500659
Average earning assets$1,533,494,750655
Average equity$137,507,500718
Average total loans$1,309,215,500580
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7143%119
Cost of funding earning assets1.0981%2,286
Net interest margin6.6161%71
Noninterest income to average assets1.0400%529
Noninterest expense to average assets4.2183%306
Loan and lease loss provision to assets0.7800%93
Net operating income to assets1.6117%932
Return on assets (ROA)1.6117%934
Pretax return on assets2.0968%632
Return on Equity (ROE)19.4100%782
Retained earnings to average equity (ytd only)12.8073%835
Net charge-offs to loans0.7615%112
Credit loss provision to net charge-offs130.9329%1,283
Earnings coverage of net charge-offs (x)4.8306%2,201
Efficiency ratio59.4567%3,027
Assets per employee ($millions)4.0978%4,147
Cash dividends to net income (ytd only)*34.0136%1,944
Condition Ratios (%)
Loss allowance to loans1.5962%938
Loan loss allowance to noncurrent loans357.7173%1,934
Noncurrent assets plus other real estate owned to assets0.3949%1,352
Noncurrent loans to loans0.4462%1,604
Net loans and leases to total assets77.5300%884
Net loans and leases to deposits85.5082%1,540
Net loans and leases to core deposits93.1890%1,613
Total domestic deposits to total assets90.6700%737
Equity capital to assets8.1744%3,102
Core capital (leverage) ratio9.2371%3,516
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5821%2,441
Memoranda:
Average total assets$1,641,770,333657
Average earning assets$1,502,567,000657
Average equity$136,328,667718
Average total loans$1,283,808,667575
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5076%80
Cost of funding earning assets0.8837%2,426
Net interest margin6.6238%64
Noninterest income to average assets0.9400%633
Noninterest expense to average assets4.2050%320
Loan and lease loss provision to assets0.7900%86
Net operating income to assets1.5298%1,118
Return on assets (ROA)1.5298%1,098
Pretax return on assets1.9943%787
Return on Equity (ROE)18.2900%988
Retained earnings to average equity (ytd only)11.6060%1,340
Net charge-offs to loans0.6583%121
Credit loss provision to net charge-offs155.0388%936
Earnings coverage of net charge-offs (x)5.4399%1,815
Efficiency ratio60.1208%2,944
Assets per employee ($millions)4.2509%4,144
Cash dividends to net income (ytd only)*36.5378%1,546
Condition Ratios (%)
Loss allowance to loans1.6467%916
Loan loss allowance to noncurrent loans388.0251%1,919
Noncurrent assets plus other real estate owned to assets0.3731%1,382
Noncurrent loans to loans0.4244%1,668
Net loans and leases to total assets75.4900%1,021
Net loans and leases to deposits83.1058%1,570
Net loans and leases to core deposits88.4797%1,712
Total domestic deposits to total assets90.8400%850
Equity capital to assets8.2043%3,104
Core capital (leverage) ratio9.3458%3,361
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8176%2,462
Memoranda:
Average total assets$1,610,179,500684
Average earning assets$1,472,379,000680
Average equity$134,689,000730
Average total loans$1,254,165,500597
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8714%49
Cost of funding earning assets0.2370%3,439
Net interest margin6.6344%38
Noninterest income to average assets1.1200%534
Noninterest expense to average assets4.2315%289
Loan and lease loss provision to assets0.7200%69
Net operating income to assets1.8413%397
Return on assets (ROA)1.8413%380
Pretax return on assets2.3101%264
Return on Equity (ROE)21.8000%349
Retained earnings to average equity (ytd only)17.8710%144
Net charge-offs to loans0.7621%93
Credit loss provision to net charge-offs127.4666%1,421
Earnings coverage of net charge-offs (x)5.3518%2,379
Efficiency ratio58.2550%3,306
Assets per employee ($millions)3.9745%4,293
Cash dividends to net income (ytd only)*18.0284%2,973
Condition Ratios (%)
Loss allowance to loans1.5879%999
Loan loss allowance to noncurrent loans393.3898%1,860
Noncurrent assets plus other real estate owned to assets0.3707%1,381
Noncurrent loans to loans0.4037%1,715
Net loans and leases to total assets77.8500%810
Net loans and leases to deposits85.5411%1,350
Net loans and leases to core deposits89.4162%1,536
Total domestic deposits to total assets91.0100%955
Equity capital to assets8.5370%2,685
Core capital (leverage) ratio9.6704%2,977
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0773%2,338
Memoranda:
Average total assets$1,506,208,200696
Average earning assets$1,395,589,000692
Average equity$127,211,800776
Average total loans$1,119,810,800618
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6786%46
Cost of funding earning assets0.1892%3,403
Net interest margin6.4894%38
Noninterest income to average assets1.1500%538
Noninterest expense to average assets4.1974%289
Loan and lease loss provision to assets0.6400%75
Net operating income to assets1.8199%414
Return on assets (ROA)1.8198%406
Pretax return on assets2.3730%247
Return on Equity (ROE)21.6100%315
Retained earnings to average equity (ytd only)18.4291%149
Net charge-offs to loans0.5917%109
Credit loss provision to net charge-offs147.4835%1,137
Earnings coverage of net charge-offs (x)6.9608%2,091
Efficiency ratio58.2284%3,361
Assets per employee ($millions)4.0344%4,302
Cash dividends to net income (ytd only)*14.7095%2,681
Condition Ratios (%)
Loss allowance to loans1.6514%963
Loan loss allowance to noncurrent loans364.4835%1,943
Noncurrent assets plus other real estate owned to assets0.4394%1,236
Noncurrent loans to loans0.4531%1,678
Net loans and leases to total assets74.8800%1,022
Net loans and leases to deposits82.2545%1,426
Net loans and leases to core deposits86.4139%1,506
Total domestic deposits to total assets91.0300%1,229
Equity capital to assets8.1216%2,823
Core capital (leverage) ratio9.3448%3,235
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2911%2,360
Memoranda:
Average total assets$1,494,256,750708
Average earning assets$1,393,972,750696
Average equity$125,848,250791
Average total loans$1,092,444,750629
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5015%48
Cost of funding earning assets0.1733%3,272
Net interest margin6.3281%41
Noninterest income to average assets1.1860%484
Noninterest expense to average assets4.1216%263
Loan and lease loss provision to assets0.6166%82
Net operating income to assets1.8167%326
Return on assets (ROA)1.8167%322
Pretax return on assets2.3702%198
Return on Equity (ROE)21.3051%225
Retained earnings to average equity (ytd only)19.7160%81
Net charge-offs to loans0.5369%123
Credit loss provision to net charge-offs159.3695%1,067
Earnings coverage of net charge-offs (x)7.7201%1,847
Efficiency ratio57.9827%3,564
Assets per employee ($millions)3.9953%4,371
Cash dividends to net income (ytd only)*7.4588%2,816
Condition Ratios (%)
Loss allowance to loans1.6636%1,025
Loan loss allowance to noncurrent loans436.1220%1,699
Noncurrent assets plus other real estate owned to assets0.3835%1,466
Noncurrent loans to loans0.3815%1,994
Net loans and leases to total assets74.4522%869
Net loans and leases to deposits81.8859%1,251
Net loans and leases to core deposits86.4479%1,308
Total domestic deposits to total assets90.9219%1,269
Equity capital to assets8.3561%2,868
Core capital (leverage) ratio8.9949%3,470
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4465%2,307
Memoranda:
Average total assets$1,475,937,667707
Average earning assets$1,381,289,667698
Average equity$125,857,333799
Average total loans$1,063,428,000627
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3018%54
Cost of funding earning assets0.1751%3,157
Net interest margin6.1267%47
Noninterest income to average assets1.2365%466
Noninterest expense to average assets3.9124%298
Loan and lease loss provision to assets0.5462%85
Net operating income to assets1.9429%243
Return on assets (ROA)1.9429%247
Pretax return on assets2.5300%173
Return on Equity (ROE)22.5534%140
Retained earnings to average equity (ytd only)19.3835%109
Net charge-offs to loans0.5510%126
Credit loss provision to net charge-offs141.2429%880
Earnings coverage of net charge-offs (x)7.9555%1,526
Efficiency ratio55.9823%3,883
Assets per employee ($millions)4.1723%4,316
Cash dividends to net income (ytd only)*14.0548%2,089
Condition Ratios (%)
Loss allowance to loans1.6765%1,094
Loan loss allowance to noncurrent loans453.8717%1,592
Noncurrent assets plus other real estate owned to assets0.3546%1,688
Noncurrent loans to loans0.3694%2,162
Net loans and leases to total assets68.5844%1,149
Net loans and leases to deposits75.2318%1,507
Net loans and leases to core deposits79.4727%1,524
Total domestic deposits to total assets91.1642%949
Equity capital to assets8.2943%3,326
Core capital (leverage) ratio9.0537%3,311
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6715%2,353
Memoranda:
Average total assets$1,464,794,000713
Average earning assets$1,375,231,000703
Average equity$126,189,500813
Average total loans$1,027,975,500649
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2663%35
Cost of funding earning assets0.2388%3,054
Net interest margin7.0275%31
Noninterest income to average assets1.3160%621
Noninterest expense to average assets4.4027%223
Loan and lease loss provision to assets0.5212%106
Net operating income to assets2.2424%227
Return on assets (ROA)2.2424%236
Pretax return on assets2.9024%159
Return on Equity (ROE)25.7977%107
Retained earnings to average equity (ytd only)21.2888%45
Net charge-offs to loans0.5576%146
Credit loss provision to net charge-offs125.3534%1,617
Earnings coverage of net charge-offs (x)8.2334%2,309
Efficiency ratio56.2551%3,675
Assets per employee ($millions)3.9855%4,428
Cash dividends to net income (ytd only)*17.4776%3,106
Condition Ratios (%)
Loss allowance to loans1.7235%998
Loan loss allowance to noncurrent loans434.5054%1,598
Noncurrent assets plus other real estate owned to assets0.3846%1,690
Noncurrent loans to loans0.3967%2,169
Net loans and leases to total assets69.4189%1,108
Net loans and leases to deposits76.8903%1,498
Net loans and leases to core deposits81.7355%1,483
Total domestic deposits to total assets90.2830%825
Equity capital to assets8.9599%3,664
Core capital (leverage) ratio9.0317%3,367
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8286%2,309
Memoranda:
Average total assets$1,275,790,800779
Average earning assets$1,181,897,400788
Average equity$110,893,800939
Average total loans$951,429,800686
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4274%35
Cost of funding earning assets0.2501%3,125
Net interest margin7.1774%30
Noninterest income to average assets1.3731%627
Noninterest expense to average assets4.4188%222
Loan and lease loss provision to assets0.6119%81
Net operating income to assets2.2761%281
Return on assets (ROA)2.2761%297
Pretax return on assets2.9671%179
Return on Equity (ROE)26.4169%142
Retained earnings to average equity (ytd only)21.4333%93
Net charge-offs to loans0.4820%157
Credit loss provision to net charge-offs167.6964%1,291
Earnings coverage of net charge-offs (x)9.8088%2,063
Efficiency ratio55.2501%3,627
Assets per employee ($millions)4.0590%4,413
Cash dividends to net income (ytd only)*18.8653%2,603
Condition Ratios (%)
Loss allowance to loans1.8526%840
Loan loss allowance to noncurrent loans414.0671%1,579
Noncurrent assets plus other real estate owned to assets0.3829%1,911
Noncurrent loans to loans0.4474%2,219
Net loans and leases to total assets69.8123%1,092
Net loans and leases to deposits77.3418%1,540
Net loans and leases to core deposits82.2620%1,554
Total domestic deposits to total assets90.2647%650
Equity capital to assets8.4356%4,254
Core capital (leverage) ratio8.7774%3,778
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9371%2,728
Memoranda:
Average total assets$1,242,025,000811
Average earning assets$1,146,390,000817
Average equity$107,014,500971
Average total loans$940,143,250711
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4120%35
Cost of funding earning assets0.2685%3,101
Net interest margin7.1435%31
Noninterest income to average assets1.3725%629
Noninterest expense to average assets4.5147%216
Loan and lease loss provision to assets0.7015%60
Net operating income to assets2.1039%403
Return on assets (ROA)2.1039%424
Pretax return on assets2.7472%246
Return on Equity (ROE)24.2243%223
Retained earnings to average equity (ytd only)18.4548%208
Net charge-offs to loans0.5153%155
Credit loss provision to net charge-offs175.8058%1,105
Earnings coverage of net charge-offs (x)8.6425%1,873
Efficiency ratio56.6931%3,448
Assets per employee ($millions)3.7960%4,550
Cash dividends to net income (ytd only)*23.8171%2,350
Condition Ratios (%)
Loss allowance to loans1.8440%821
Loan loss allowance to noncurrent loans374.4852%1,604
Noncurrent assets plus other real estate owned to assets0.3953%2,022
Noncurrent loans to loans0.4924%2,205
Net loans and leases to total assets73.6273%799
Net loans and leases to deposits81.4886%1,275
Net loans and leases to core deposits87.0621%1,341
Total domestic deposits to total assets90.3529%621
Equity capital to assets8.5012%4,200
Core capital (leverage) ratio8.7129%3,774
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8254%2,767
Memoranda:
Average total assets$1,197,368,000833
Average earning assets$1,104,747,000833
Average equity$103,994,667987
Average total loans$927,275,333725
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3588%39
Cost of funding earning assets0.2967%3,030
Net interest margin7.0622%32
Noninterest income to average assets1.4563%638
Noninterest expense to average assets4.3553%225
Loan and lease loss provision to assets0.8288%58
Net operating income to assets2.1324%461
Return on assets (ROA)2.1324%502
Pretax return on assets2.7992%302
Return on Equity (ROE)24.2687%284
Retained earnings to average equity (ytd only)20.3386%257
Net charge-offs to loans0.5378%149
Credit loss provision to net charge-offs195.5990%894
Earnings coverage of net charge-offs (x)8.5623%1,574
Efficiency ratio54.5549%3,728
Assets per employee ($millions)3.7518%4,605
Cash dividends to net income (ytd only)*16.1943%2,108
Condition Ratios (%)
Loss allowance to loans1.8211%841
Loan loss allowance to noncurrent loans295.2596%1,778
Noncurrent assets plus other real estate owned to assets0.5236%1,810
Noncurrent loans to loans0.6168%2,026
Net loans and leases to total assets75.8806%638
Net loans and leases to deposits83.9688%1,148
Net loans and leases to core deposits89.7814%1,246
Total domestic deposits to total assets90.3676%635
Equity capital to assets8.5940%4,052
Core capital (leverage) ratio9.0035%3,602
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1449%2,609
Memoranda:
Average total assets$1,158,316,000847
Average earning assets$1,070,548,500847
Average equity$101,777,000999
Average total loans$912,544,000728
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5734%31
Cost of funding earning assets0.6641%1,902
Net interest margin6.9093%27
Noninterest income to average assets1.1931%782
Noninterest expense to average assets4.6274%233
Loan and lease loss provision to assets0.9072%123
Net operating income to assets1.5260%753
Return on assets (ROA)1.5260%820
Pretax return on assets1.9639%491
Return on Equity (ROE)17.5359%368
Retained earnings to average equity (ytd only)13.0920%235
Net charge-offs to loans0.8464%167
Credit loss provision to net charge-offs135.5729%2,515
Earnings coverage of net charge-offs (x)4.2907%3,001
Efficiency ratio61.7112%3,186
Assets per employee ($millions)3.3900%4,693
Cash dividends to net income (ytd only)*25.3421%3,036
Condition Ratios (%)
Loss allowance to loans1.7760%891
Loan loss allowance to noncurrent loans250.3321%1,965
Noncurrent assets plus other real estate owned to assets0.6603%1,586
Noncurrent loans to loans0.7095%1,920
Net loans and leases to total assets78.9819%505
Net loans and leases to deposits87.8962%1,097
Net loans and leases to core deposits95.5705%1,149
Total domestic deposits to total assets89.8582%620
Equity capital to assets8.9965%4,055
Core capital (leverage) ratio8.6723%4,036
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1645%2,563
Memoranda:
Average total assets$1,034,308,600854
Average earning assets$943,921,400859
Average equity$90,009,4001,057
Average total loans$817,728,400771
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5210%32
Cost of funding earning assets0.7207%1,903
Net interest margin6.8003%28
Noninterest income to average assets1.2102%737
Noninterest expense to average assets4.6517%227
Loan and lease loss provision to assets0.9713%155
Net operating income to assets1.3977%1,108
Return on assets (ROA)1.3977%1,204
Pretax return on assets1.7761%820
Return on Equity (ROE)16.2104%526
Retained earnings to average equity (ytd only)11.6433%480
Net charge-offs to loans0.8260%163
Credit loss provision to net charge-offs149.4346%2,330
Earnings coverage of net charge-offs (x)4.2268%2,841
Efficiency ratio62.8679%2,934
Assets per employee ($millions)3.6647%4,571
Cash dividends to net income (ytd only)*28.1743%2,445
Condition Ratios (%)
Loss allowance to loans1.7920%738
Loan loss allowance to noncurrent loans231.2765%1,973
Noncurrent assets plus other real estate owned to assets0.6496%1,790
Noncurrent loans to loans0.7748%1,880
Net loans and leases to total assets74.8550%1,260
Net loans and leases to deposits82.6339%2,048
Net loans and leases to core deposits93.1468%1,698
Total domestic deposits to total assets90.5863%263
Equity capital to assets7.9120%4,742
Core capital (leverage) ratio7.8880%4,740
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6419%2,747
Memoranda:
Average total assets$1,015,751,000856
Average earning assets$924,430,500870
Average equity$87,579,2501,072
Average total loans$799,316,500779
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6264%38
Cost of funding earning assets0.7805%1,930
Net interest margin6.8460%36
Noninterest income to average assets1.1911%705
Noninterest expense to average assets4.5976%241
Loan and lease loss provision to assets1.0327%193
Net operating income to assets1.3398%1,246
Return on assets (ROA)1.3398%1,344
Pretax return on assets1.7440%904
Return on Equity (ROE)15.0456%701
Retained earnings to average equity (ytd only)10.4069%709
Net charge-offs to loans0.9630%156
Credit loss provision to net charge-offs134.5895%2,206
Earnings coverage of net charge-offs (x)3.6188%2,666
Efficiency ratio62.3460%3,068
Assets per employee ($millions)3.6286%4,588
Cash dividends to net income (ytd only)*30.8309%2,332
Condition Ratios (%)
Loss allowance to loans1.7121%794
Loan loss allowance to noncurrent loans209.4925%2,078
Noncurrent assets plus other real estate owned to assets0.7035%1,747
Noncurrent loans to loans0.8173%1,860
Net loans and leases to total assets75.2746%1,236
Net loans and leases to deposits83.0452%2,091
Net loans and leases to core deposits94.0347%1,735
Total domestic deposits to total assets90.6429%239
Equity capital to assets7.9251%4,756
Core capital (leverage) ratio8.2458%4,596
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5504%2,791
Memoranda:
Average total assets$968,321,667880
Average earning assets$874,589,000892
Average equity$86,231,0001,075
Average total loans$771,533,000796
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.2783%36
Cost of funding earning assets0.8531%2,100
Net interest margin7.4252%33
Noninterest income to average assets1.3441%496
Noninterest expense to average assets4.8469%243
Loan and lease loss provision to assets1.1637%165
Net operating income to assets1.4927%798
Return on assets (ROA)1.4927%873
Pretax return on assets1.9483%514
Return on Equity (ROE)15.6828%464
Retained earnings to average equity (ytd only)10.9803%569
Net charge-offs to loans1.3464%110
Credit loss provision to net charge-offs105.9063%1,782
Earnings coverage of net charge-offs (x)2.8322%2,251
Efficiency ratio60.8987%3,629
Assets per employee ($millions)3.0361%4,777
Cash dividends to net income (ytd only)*29.9850%2,150
Condition Ratios (%)
Loss allowance to loans1.8406%671
Loan loss allowance to noncurrent loans171.2150%2,311
Noncurrent assets plus other real estate owned to assets0.9911%1,334
Noncurrent loans to loans1.0751%1,548
Net loans and leases to total assets79.1233%804
Net loans and leases to deposits88.5683%1,683
Net loans and leases to core deposits97.8934%1,638
Total domestic deposits to total assets89.3359%535
Equity capital to assets9.4998%4,219
Core capital (leverage) ratio9.6900%3,782
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6400%2,868
Memoranda:
Average total assets$893,685,500914
Average earning assets$796,150,000948
Average equity$85,061,5001,084
Average total loans$729,340,500813
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.4733%39
Cost of funding earning assets0.9230%2,096
Net interest margin7.5503%33
Noninterest income to average assets1.4364%454
Noninterest expense to average assets5.0178%213
Loan and lease loss provision to assets1.2456%72
Net operating income to assets1.5190%1,006
Return on assets (ROA)1.5190%1,070
Pretax return on assets1.9558%655
Return on Equity (ROE)15.9287%546
Retained earnings to average equity (ytd only)10.6660%376
Net charge-offs to loans1.2458%124
Credit loss provision to net charge-offs119.1716%2,123
Earnings coverage of net charge-offs (x)3.0629%3,360
Efficiency ratio61.0502%3,528
Assets per employee ($millions)3.0225%4,818
Cash dividends to net income (ytd only)*33.0388%2,941
Condition Ratios (%)
Loss allowance to loans1.8453%607
Loan loss allowance to noncurrent loans190.4416%2,173
Noncurrent assets plus other real estate owned to assets0.9095%1,398
Noncurrent loans to loans0.9690%1,579
Net loans and leases to total assets81.1279%658
Net loans and leases to deposits92.1249%1,355
Net loans and leases to core deposits100.3845%1,531
Total domestic deposits to total assets88.0630%1,104
Equity capital to assets9.5370%4,320
Core capital (leverage) ratio9.6381%3,917
Tier 1 risk-based capital ratio11.2878%4,740
Total risk-based capital ratio12.5449%4,623
Memoranda:
Average total assets$826,943,000950
Average earning assets$742,872,800969
Average equity$78,857,8001,104
Average total loans$693,760,200816
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.4455%40
Cost of funding earning assets0.9274%2,096
Net interest margin7.5180%34
Noninterest income to average assets1.4614%426
Noninterest expense to average assets5.0157%210
Loan and lease loss provision to assets1.2931%65
Net operating income to assets1.5206%1,137
Return on assets (ROA)1.5206%1,190
Pretax return on assets1.9277%812
Return on Equity (ROE)15.9467%613
Retained earnings to average equity (ytd only)12.2561%356
Net charge-offs to loans1.2531%113
Credit loss provision to net charge-offs122.5186%1,924
Earnings coverage of net charge-offs (x)3.0516%3,142
Efficiency ratio60.8955%3,490
Assets per employee ($millions)2.8903%4,940
Cash dividends to net income (ytd only)*23.1432%2,903
Condition Ratios (%)
Loss allowance to loans1.8428%621
Loan loss allowance to noncurrent loans164.7147%2,447
Noncurrent assets plus other real estate owned to assets0.9902%1,358
Noncurrent loans to loans1.1188%1,422
Net loans and leases to total assets82.7982%487
Net loans and leases to deposits92.6336%1,354
Net loans and leases to core deposits101.3834%1,557
Total domestic deposits to total assets89.3824%482
Equity capital to assets9.7244%4,269
Core capital (leverage) ratio9.6210%4,050
Tier 1 risk-based capital ratio11.2812%4,771
Total risk-based capital ratio12.5384%4,671
Memoranda:
Average total assets$814,545,250961
Average earning assets$734,056,250978
Average equity$77,673,5001,115
Average total loans$686,079,500822
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3832%42
Cost of funding earning assets0.9215%2,045
Net interest margin7.4617%34
Noninterest income to average assets1.4390%425
Noninterest expense to average assets5.0621%214
Loan and lease loss provision to assets1.3686%64
Net operating income to assets1.3501%1,575
Return on assets (ROA)1.3501%1,640
Pretax return on assets1.7401%1,186
Return on Equity (ROE)14.2576%923
Retained earnings to average equity (ytd only)10.5789%623
Net charge-offs to loans1.3307%91
Credit loss provision to net charge-offs122.1679%1,720
Earnings coverage of net charge-offs (x)2.7750%2,902
Efficiency ratio61.9545%3,439
Assets per employee ($millions)2.9061%4,963
Cash dividends to net income (ytd only)*25.8017%2,812
Condition Ratios (%)
Loss allowance to loans1.8095%671
Loan loss allowance to noncurrent loans163.4096%2,492
Noncurrent assets plus other real estate owned to assets1.0327%1,340
Noncurrent loans to loans1.1073%1,475
Net loans and leases to total assets82.4056%548
Net loans and leases to deposits91.7947%1,511
Net loans and leases to core deposits100.0959%1,716
Total domestic deposits to total assets89.7717%397
Equity capital to assets9.4675%4,432
Core capital (leverage) ratio9.5824%4,064
Tier 1 risk-based capital ratio11.1275%4,858
Total risk-based capital ratio12.3845%4,757
Memoranda:
Average total assets$803,770,000975
Average earning assets$725,139,670993
Average equity$76,113,6701,127
Average total loans$676,653,330834
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.2282%43
Cost of funding earning assets0.9285%1,887
Net interest margin7.2997%34
Noninterest income to average assets1.3766%451
Noninterest expense to average assets5.0672%193
Loan and lease loss provision to assets1.5752%49
Net operating income to assets1.0315%2,740
Return on assets (ROA)1.0315%2,777
Pretax return on assets1.3176%2,385
Return on Equity (ROE)10.8918%1,984
Retained earnings to average equity (ytd only)8.2091%1,590
Net charge-offs to loans1.5698%75
Credit loss provision to net charge-offs119.0019%1,419
Earnings coverage of net charge-offs (x)2.1854%2,519
Efficiency ratio63.6578%3,291
Assets per employee ($millions)2.9324%5,009
Cash dividends to net income (ytd only)*24.6305%2,356
Condition Ratios (%)
Loss allowance to loans1.8104%698
Loan loss allowance to noncurrent loans166.0365%2,492
Noncurrent assets plus other real estate owned to assets1.0164%1,378
Noncurrent loans to loans1.0904%1,523
Net loans and leases to total assets81.5080%645
Net loans and leases to deposits90.6354%1,550
Net loans and leases to core deposits99.4699%1,667
Total domestic deposits to total assets89.9296%475
Equity capital to assets9.4234%4,326
Core capital (leverage) ratio9.4349%4,220
Tier 1 risk-based capital ratio11.2882%4,849
Total risk-based capital ratio12.5453%4,752
Memoranda:
Average total assets$787,180,000987
Average earning assets$709,946,0001,006
Average equity$74,551,5001,142
Average total loans$663,778,000850
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3417%38
Cost of funding earning assets0.6048%2,680
Net interest margin7.7370%30
Noninterest income to average assets1.3591%494
Noninterest expense to average assets5.0985%195
Loan and lease loss provision to assets1.2263%59
Net operating income to assets1.5393%1,020
Return on assets (ROA)1.5384%1,015
Pretax return on assets1.9606%611
Return on Equity (ROE)16.3167%563
Retained earnings to average equity (ytd only)13.0836%227
Net charge-offs to loans1.1273%124
Credit loss provision to net charge-offs130.3771%2,027
Earnings coverage of net charge-offs (x)3.3895%3,416
Efficiency ratio61.5277%3,620
Assets per employee ($millions)2.7612%5,109
Cash dividends to net income (ytd only)*19.8145%3,480
Condition Ratios (%)
Loss allowance to loans1.7928%691
Loan loss allowance to noncurrent loans154.6547%2,655
Noncurrent assets plus other real estate owned to assets1.0505%1,297
Noncurrent loans to loans1.1592%1,389
Net loans and leases to total assets84.1858%399
Net loans and leases to deposits93.9959%1,286
Net loans and leases to core deposits102.6614%1,528
Total domestic deposits to total assets89.5633%635
Equity capital to assets9.5211%4,112
Core capital (leverage) ratio9.4386%4,188
Tier 1 risk-based capital ratio11.0410%4,960
Total risk-based capital ratio12.2978%4,847
Memoranda:
Average total assets$721,706,0001,029
Average earning assets$646,183,8001,056
Average equity$68,046,8001,188
Average total loans$602,152,200893
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.2818%37
Cost of funding earning assets0.5673%2,726
Net interest margin7.7145%26
Noninterest income to average assets1.3711%506
Noninterest expense to average assets5.1117%189
Loan and lease loss provision to assets1.1523%68
Net operating income to assets1.5783%1,004
Return on assets (ROA)1.5776%1,008
Pretax return on assets2.0012%618
Return on Equity (ROE)16.7762%574
Retained earnings to average equity (ytd only)13.3890%316
Net charge-offs to loans1.1325%124
Credit loss provision to net charge-offs122.8526%1,959
Earnings coverage of net charge-offs (x)3.3632%3,168
Efficiency ratio61.8387%3,538
Assets per employee ($millions)2.8015%5,152
Cash dividends to net income (ytd only)*20.1900%3,006
Condition Ratios (%)
Loss allowance to loans1.7198%836
Loan loss allowance to noncurrent loans166.9606%2,562
Noncurrent assets plus other real estate owned to assets0.9317%1,579
Noncurrent loans to loans1.0301%1,664
Net loans and leases to total assets82.1562%687
Net loans and leases to deposits92.0390%1,621
Net loans and leases to core deposits100.8405%1,712
Total domestic deposits to total assets89.2624%748
Equity capital to assets9.3512%4,224
Core capital (leverage) ratio9.3557%4,329
Tier 1 risk-based capital ratio11.0443%5,014
Total risk-based capital ratio12.3001%4,914
Memoranda:
Average total assets$711,610,5001,043
Average earning assets$636,013,7501,069
Average equity$66,918,7501,204
Average total loans$589,369,750910
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.2665%35
Cost of funding earning assets0.5246%2,803
Net interest margin7.7419%28
Noninterest income to average assets1.3728%503
Noninterest expense to average assets5.1152%203
Loan and lease loss provision to assets1.1023%68
Net operating income to assets1.6252%866
Return on assets (ROA)1.6245%868
Pretax return on assets2.0674%516
Return on Equity (ROE)17.2404%496
Retained earnings to average equity (ytd only)13.8981%292
Net charge-offs to loans1.0738%122
Credit loss provision to net charge-offs124.3540%1,766
Earnings coverage of net charge-offs (x)3.5769%2,865
Efficiency ratio61.7346%3,660
Assets per employee ($millions)2.7022%5,260
Cash dividends to net income (ytd only)*19.3867%3,008
Condition Ratios (%)
Loss allowance to loans1.7227%868
Loan loss allowance to noncurrent loans169.0058%2,544
Noncurrent assets plus other real estate owned to assets0.9001%1,670
Noncurrent loans to loans1.0193%1,729
Net loans and leases to total assets79.8691%1,045
Net loans and leases to deposits89.5155%1,909
Net loans and leases to core deposits97.8299%1,903
Total domestic deposits to total assets89.2238%843
Equity capital to assets9.1746%4,403
Core capital (leverage) ratio9.4446%4,185
Tier 1 risk-based capital ratio11.0816%5,012
Total risk-based capital ratio12.3372%4,902
Memoranda:
Average total assets$698,547,3301,063
Average earning assets$623,746,0001,086
Average equity$65,822,0001,222
Average total loans$576,618,670931
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.2908%31
Cost of funding earning assets0.4801%2,959
Net interest margin7.8106%27
Noninterest income to average assets1.3368%524
Noninterest expense to average assets5.1974%196
Loan and lease loss provision to assets1.1238%73
Net operating income to assets1.5771%905
Return on assets (ROA)1.5757%916
Pretax return on assets1.9992%570
Return on Equity (ROE)16.4841%557
Retained earnings to average equity (ytd only)12.7715%554
Net charge-offs to loans1.0061%143
Credit loss provision to net charge-offs134.1808%1,307
Earnings coverage of net charge-offs (x)3.7309%2,360
Efficiency ratio62.4520%3,708
Assets per employee ($millions)2.5855%5,371
Cash dividends to net income (ytd only)*22.5225%2,344
Condition Ratios (%)
Loss allowance to loans1.7568%856
Loan loss allowance to noncurrent loans186.1499%2,391
Noncurrent assets plus other real estate owned to assets0.9047%1,757
Noncurrent loans to loans0.9438%1,937
Net loans and leases to total assets81.4788%730
Net loans and leases to deposits90.6064%1,615
Net loans and leases to core deposits98.4579%1,808
Total domestic deposits to total assets89.9261%691
Equity capital to assets9.4403%4,142
Core capital (leverage) ratio9.5688%3,993
Tier 1 risk-based capital ratio11.1581%5,050
Total risk-based capital ratio12.4140%4,946
Memoranda:
Average total assets$676,262,5001,098
Average earning assets$604,817,5001,123
Average equity$64,644,0001,246
Average total loans$562,965,500951
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.1671%36
Cost of funding earning assets0.3887%3,344
Net interest margin7.7783%27
Noninterest income to average assets1.4365%515
Noninterest expense to average assets5.1451%202
Loan and lease loss provision to assets1.2900%70
Net operating income to assets1.2227%1,448
Return on assets (ROA)1.2227%1,473
Pretax return on assets1.9204%579
Return on Equity (ROE)13.1160%929
Retained earnings to average equity (ytd only)8.8970%526
Net charge-offs to loans1.4478%109
Credit loss provision to net charge-offs109.7137%2,380
Earnings coverage of net charge-offs (x)2.7304%3,715
Efficiency ratio61.5767%4,006
Assets per employee ($millions)2.5665%5,435
Cash dividends to net income (ytd only)*32.1668%3,211
Condition Ratios (%)
Loss allowance to loans1.7574%844
Loan loss allowance to noncurrent loans192.7687%2,354
Noncurrent assets plus other real estate owned to assets0.8828%1,766
Noncurrent loans to loans0.9117%1,964
Net loans and leases to total assets82.1068%669
Net loans and leases to deposits91.3582%1,606
Net loans and leases to core deposits99.5477%1,749
Total domestic deposits to total assets89.8734%610
Equity capital to assets9.6847%4,048
Core capital (leverage) ratio9.5613%3,961
Tier 1 risk-based capital ratio11.3501%4,947
Total risk-based capital ratio12.6066%4,822
Memoranda:
Average total assets$635,637,0001,139
Average earning assets$565,416,8001,170
Average equity$59,256,0001,323
Average total loans$516,236,600990
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.0292%38
Cost of funding earning assets0.3881%3,305
Net interest margin7.6411%32
Noninterest income to average assets1.4291%526
Noninterest expense to average assets5.1342%206
Loan and lease loss provision to assets1.2269%79
Net operating income to assets1.2548%1,493
Return on assets (ROA)1.2548%1,520
Pretax return on assets1.8727%739
Return on Equity (ROE)13.5983%912
Retained earnings to average equity (ytd only)8.7270%935
Net charge-offs to loans1.4017%114
Credit loss provision to net charge-offs108.5939%2,160
Earnings coverage of net charge-offs (x)2.7435%3,429
Efficiency ratio62.3548%3,831
Assets per employee ($millions)2.5651%5,498
Cash dividends to net income (ytd only)*35.8226%2,476
Condition Ratios (%)
Loss allowance to loans1.7499%944
Loan loss allowance to noncurrent loans147.3461%2,829
Noncurrent assets plus other real estate owned to assets1.0834%1,542
Noncurrent loans to loans1.1876%1,615
Net loans and leases to total assets79.9158%995
Net loans and leases to deposits89.1661%1,910
Net loans and leases to core deposits97.2466%1,951
Total domestic deposits to total assets89.6258%608
Equity capital to assets9.2661%4,670
Core capital (leverage) ratio9.5280%4,127
Tier 1 risk-based capital ratio11.0530%5,212
Total risk-based capital ratio12.3093%5,103
Memoranda:
Average total assets$630,292,7501,152
Average earning assets$561,304,7501,189
Average equity$58,162,5001,364
Average total loans$508,020,0001,007
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.9958%40
Cost of funding earning assets0.3920%3,148
Net interest margin7.6039%33
Noninterest income to average assets1.4130%542
Noninterest expense to average assets5.1175%207
Loan and lease loss provision to assets1.1601%85
Net operating income to assets1.2687%1,377
Return on assets (ROA)1.2687%1,409
Pretax return on assets1.8871%682
Return on Equity (ROE)13.7685%857
Retained earnings to average equity (ytd only)7.3861%1,406
Net charge-offs to loans1.2980%147
Credit loss provision to net charge-offs111.2485%1,869
Earnings coverage of net charge-offs (x)2.9221%3,106
Efficiency ratio62.6791%3,872
Assets per employee ($millions)2.4250%5,586
Cash dividends to net income (ytd only)*46.3551%2,025
Condition Ratios (%)
Loss allowance to loans1.8170%853
Loan loss allowance to noncurrent loans149.5411%2,789
Noncurrent assets plus other real estate owned to assets1.1047%1,578
Noncurrent loans to loans1.2150%1,603
Net loans and leases to total assets80.5292%876
Net loans and leases to deposits89.7490%1,764
Net loans and leases to core deposits98.5251%1,763
Total domestic deposits to total assets89.7272%632
Equity capital to assets9.3376%4,577
Core capital (leverage) ratio9.2795%4,383
Tier 1 risk-based capital ratio11.0085%5,246
Total risk-based capital ratio12.2654%5,143
Memoranda:
Average total assets$620,650,0001,174
Average earning assets$551,089,0001,213
Average equity$57,188,6701,383
Average total loans$498,625,0001,026
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.8182%44
Cost of funding earning assets0.3928%3,071
Net interest margin7.4254%36
Noninterest income to average assets1.3976%545
Noninterest expense to average assets4.9774%235
Loan and lease loss provision to assets1.1625%74
Net operating income to assets1.2284%1,435
Return on assets (ROA)1.2284%1,473
Pretax return on assets1.8503%722
Return on Equity (ROE)13.4214%920
Retained earnings to average equity (ytd only)9.0111%1,077
Net charge-offs to loans1.4031%120
Credit loss provision to net charge-offs104.2270%1,523
Earnings coverage of net charge-offs (x)2.7012%2,561
Efficiency ratio62.2939%4,108
Assets per employee ($millions)2.4813%5,626
Cash dividends to net income (ytd only)*32.8601%2,240
Condition Ratios (%)
Loss allowance to loans1.8204%923
Loan loss allowance to noncurrent loans151.3373%2,802
Noncurrent assets plus other real estate owned to assets1.1111%1,599
Noncurrent loans to loans1.2029%1,681
Net loans and leases to total assets77.9078%1,149
Net loans and leases to deposits86.4822%1,979
Net loans and leases to core deposits94.5671%1,927
Total domestic deposits to total assets90.0854%621
Equity capital to assets9.2062%4,611
Core capital (leverage) ratio9.2894%4,361
Tier 1 risk-based capital ratio11.3173%5,131
Total risk-based capital ratio12.5746%5,034
Memoranda:
Average total assets$619,357,0001,173
Average earning assets$549,898,5001,211
Average equity$56,685,5001,387
Average total loans$492,350,0001,036
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.2609%36
Cost of funding earning assets0.3961%3,038
Net interest margin7.8648%32
Noninterest income to average assets1.4712%540
Noninterest expense to average assets5.2941%226
Loan and lease loss provision to assets1.5233%59
Net operating income to assets1.1276%1,787
Return on assets (ROA)1.1276%1,875
Pretax return on assets1.6804%1,050
Return on Equity (ROE)12.0785%1,222
Retained earnings to average equity (ytd only)10.3174%369
Net charge-offs to loans1.1518%154
Credit loss provision to net charge-offs162.4953%1,700
Earnings coverage of net charge-offs (x)3.4175%3,671
Efficiency ratio62.2992%4,201
Assets per employee ($millions)2.5242%5,650
Cash dividends to net income (ytd only)*14.5807%3,900
Condition Ratios (%)
Loss allowance to loans1.8194%920
Loan loss allowance to noncurrent loans147.9934%2,830
Noncurrent assets plus other real estate owned to assets1.2135%1,481
Noncurrent loans to loans1.2294%1,669
Net loans and leases to total assets78.1877%1,175
Net loans and leases to deposits87.1968%2,024
Net loans and leases to core deposits95.5371%1,965
Total domestic deposits to total assets89.6681%782
Equity capital to assets9.0978%4,711
Core capital (leverage) ratio9.3347%4,311
Tier 1 risk-based capital ratio10.9918%5,351
Total risk-based capital ratio12.2491%5,240
Memoranda:
Average total assets$562,587,6001,240
Average earning assets$502,633,4001,273
Average equity$52,523,0001,463
Average total loans$457,907,0001,064
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3435%37
Cost of funding earning assets0.3904%3,123
Net interest margin7.9531%31
Noninterest income to average assets1.5004%534
Noninterest expense to average assets5.4215%215
Loan and lease loss provision to assets1.4735%62
Net operating income to assets1.1591%1,770
Return on assets (ROA)1.1591%1,873
Pretax return on assets1.7266%1,045
Return on Equity (ROE)12.3273%1,219
Retained earnings to average equity (ytd only)10.7138%456
Net charge-offs to loans1.0808%150
Credit loss provision to net charge-offs166.4838%1,665
Earnings coverage of net charge-offs (x)3.6157%3,383
Efficiency ratio62.8826%4,090
Assets per employee ($millions)2.3576%5,788
Cash dividends to net income (ytd only)*13.0890%3,469
Condition Ratios (%)
Loss allowance to loans1.6898%1,239
Loan loss allowance to noncurrent loans156.8979%2,700
Noncurrent assets plus other real estate owned to assets1.1500%1,747
Noncurrent loans to loans1.0770%2,098
Net loans and leases to total assets80.1218%873
Net loans and leases to deposits89.4521%1,827
Net loans and leases to core deposits98.1331%1,798
Total domestic deposits to total assets89.5695%641
Equity capital to assets9.2208%4,955
Core capital (leverage) ratio9.4077%4,317
Tier 1 risk-based capital ratio10.9790%5,381
Total risk-based capital ratio12.2349%5,291
Memoranda:
Average total assets$549,260,5001,262
Average earning assets$491,804,0001,295
Average equity$51,645,5001,488
Average total loans$449,764,0001,083
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3921%34
Cost of funding earning assets0.3834%3,228
Net interest margin8.0087%31
Noninterest income to average assets1.5510%506
Noninterest expense to average assets5.4978%209
Loan and lease loss provision to assets1.5332%59
Net operating income to assets1.1395%1,810
Return on assets (ROA)1.1395%1,927
Pretax return on assets1.6947%1,105
Return on Equity (ROE)12.0339%1,308
Retained earnings to average equity (ytd only)10.8549%456
Net charge-offs to loans1.1419%153
Credit loss provision to net charge-offs163.6869%1,502
Earnings coverage of net charge-offs (x)3.4462%3,107
Efficiency ratio63.0075%4,175
Assets per employee ($millions)2.2756%5,869
Cash dividends to net income (ytd only)*9.7975%3,469
Condition Ratios (%)
Loss allowance to loans1.5830%1,574
Loan loss allowance to noncurrent loans125.3206%3,244
Noncurrent assets plus other real estate owned to assets1.3770%1,433
Noncurrent loans to loans1.2631%1,809
Net loans and leases to total assets80.6371%804
Net loans and leases to deposits90.0198%1,751
Net loans and leases to core deposits98.8659%1,735
Total domestic deposits to total assets89.5770%646
Equity capital to assets9.4241%4,847
Core capital (leverage) ratio9.5109%4,194
Tier 1 risk-based capital ratio11.3770%5,232
Total risk-based capital ratio12.6319%5,121
Memoranda:
Average total assets$537,450,6701,292
Average earning assets$481,474,3301,324
Average equity$50,889,6701,511
Average total loans$440,846,6701,110
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3477%36
Cost of funding earning assets0.3784%3,313
Net interest margin7.9694%33
Noninterest income to average assets1.4979%503
Noninterest expense to average assets5.5660%209
Loan and lease loss provision to assets2.0477%37
Net operating income to assets0.7068%3,681
Return on assets (ROA)0.7068%3,797
Pretax return on assets1.0246%3,389
Return on Equity (ROE)7.4465%3,215
Retained earnings to average equity (ytd only)5.0495%2,908
Net charge-offs to loans1.2345%147
Credit loss provision to net charge-offs202.0958%1,071
Earnings coverage of net charge-offs (x)3.0322%2,597
Efficiency ratio64.4337%4,055
Assets per employee ($millions)2.3075%5,924
Cash dividends to net income (ytd only)*32.1888%2,313
Condition Ratios (%)
Loss allowance to loans1.5646%1,735
Loan loss allowance to noncurrent loans102.0879%3,586
Noncurrent assets plus other real estate owned to assets1.6898%1,152
Noncurrent loans to loans1.5326%1,520
Net loans and leases to total assets81.4681%634
Net loans and leases to deposits90.6821%1,496
Net loans and leases to core deposits98.5925%1,593
Total domestic deposits to total assets89.8392%659
Equity capital to assets9.3318%4,858
Core capital (leverage) ratio9.4525%4,272
Tier 1 risk-based capital ratio11.1417%5,428
Total risk-based capital ratio12.3964%5,335
Memoranda:
Average total assets$527,416,5001,321
Average earning assets$472,558,5001,343
Average equity$50,064,0001,528
Average total loans$432,871,0001,123
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.9333%41
Cost of funding earning assets0.3990%3,176
Net interest margin7.5343%36
Noninterest income to average assets1.4575%576
Noninterest expense to average assets5.3281%223
Loan and lease loss provision to assets0.8841%100
Net operating income to assets1.3835%1,070
Return on assets (ROA)1.3836%1,116
Pretax return on assets2.0057%530
Return on Equity (ROE)14.8993%701
Retained earnings to average equity (ytd only)13.4100%189
Net charge-offs to loans1.3683%121
Credit loss provision to net charge-offs83.0858%2,897
Earnings coverage of net charge-offs (x)2.7156%3,843
Efficiency ratio64.8363%4,109
Assets per employee ($millions)2.1910%6,000
Cash dividends to net income (ytd only)*9.9957%4,081
Condition Ratios (%)
Loss allowance to loans1.3436%2,695
Loan loss allowance to noncurrent loans52.8054%4,799
Noncurrent assets plus other real estate owned to assets2.5808%585
Noncurrent loans to loans2.5445%709
Net loans and leases to total assets80.2581%811
Net loans and leases to deposits89.5613%1,676
Net loans and leases to core deposits97.7884%1,690
Total domestic deposits to total assets89.6124%793
Equity capital to assets9.6606%4,356
Core capital (leverage) ratio9.5304%4,130
Tier 1 risk-based capital ratio11.6798%5,143
Total risk-based capital ratio12.9321%5,058
Memoranda:
Average total assets$506,146,6001,327
Average earning assets$454,150,6001,365
Average equity$47,002,2001,572
Average total loans$393,624,0001,173
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.8572%40
Cost of funding earning assets0.4105%3,120
Net interest margin7.4467%38
Noninterest income to average assets1.4548%580
Noninterest expense to average assets5.2394%240
Loan and lease loss provision to assets0.7871%91
Net operating income to assets1.4642%982
Return on assets (ROA)1.4644%1,023
Pretax return on assets2.1189%484
Return on Equity (ROE)15.9331%600
Retained earnings to average equity (ytd only)15.9331%129
Net charge-offs to loans1.2899%125
Credit loss provision to net charge-offs79.3969%2,620
Earnings coverage of net charge-offs (x)2.9311%3,578
Efficiency ratio64.3259%4,189
Assets per employee ($millions)2.1789%6,091
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.4452%2,389
Loan loss allowance to noncurrent loans61.1040%4,659
Noncurrent assets plus other real estate owned to assets2.4146%735
Noncurrent loans to loans2.3651%885
Net loans and leases to total assets77.1357%1,233
Net loans and leases to deposits86.4094%2,098
Net loans and leases to core deposits94.6364%2,020
Total domestic deposits to total assets89.2677%890
Equity capital to assets9.6116%4,623
Core capital (leverage) ratio9.4744%4,332
Tier 1 risk-based capital ratio12.0094%5,081
Total risk-based capital ratio13.2628%4,991
Memoranda:
Average total assets$503,962,2501,337
Average earning assets$452,771,7501,374
Average equity$46,317,5001,605
Average total loans$387,314,0001,190
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7615%43
Cost of funding earning assets0.4270%2,962
Net interest margin7.3345%40
Noninterest income to average assets1.4630%594
Noninterest expense to average assets5.1120%266
Loan and lease loss provision to assets0.7171%118
Net operating income to assets1.5646%805
Return on assets (ROA)1.5646%833
Pretax return on assets2.2243%397
Return on Equity (ROE)17.2914%458
Retained earnings to average equity (ytd only)17.2914%118
Net charge-offs to loans1.4721%118
Credit loss provision to net charge-offs63.7845%2,555
Earnings coverage of net charge-offs (x)2.6162%3,312
Efficiency ratio63.4758%4,431
Assets per employee ($millions)2.1700%6,179
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.4106%2,706
Loan loss allowance to noncurrent loans53.5215%4,896
Noncurrent assets plus other real estate owned to assets2.6546%683
Noncurrent loans to loans2.6356%834
Net loans and leases to total assets75.6138%1,418
Net loans and leases to deposits84.2010%2,291
Net loans and leases to core deposits92.3061%2,127
Total domestic deposits to total assets89.8016%748
Equity capital to assets9.2907%4,903
Core capital (leverage) ratio9.1333%4,770
Tier 1 risk-based capital ratio11.6440%5,377
Total risk-based capital ratio12.8956%5,292
Memoranda:
Average total assets$501,994,6701,353
Average earning assets$451,070,6701,389
Average equity$45,421,3301,637
Average total loans$383,400,3301,202
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7803%42
Cost of funding earning assets0.3900%3,414
Net interest margin7.3903%39
Noninterest income to average assets1.4562%558
Noninterest expense to average assets4.9878%293
Loan and lease loss provision to assets0.7229%121
Net operating income to assets1.5558%769
Return on assets (ROA)1.5558%810
Pretax return on assets2.3815%287
Return on Equity (ROE)17.4336%436
Retained earnings to average equity (ytd only)17.4336%163
Net charge-offs to loans1.4417%134
Credit loss provision to net charge-offs65.7895%1,951
Earnings coverage of net charge-offs (x)2.8253%2,692
Efficiency ratio61.6377%4,855
Assets per employee ($millions)2.2696%6,205
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.5997%2,051
Loan loss allowance to noncurrent loans54.5463%4,882
Noncurrent assets plus other real estate owned to assets3.0268%623
Noncurrent loans to loans2.9327%759
Net loans and leases to total assets73.7866%1,537
Net loans and leases to deposits81.7785%2,364
Net loans and leases to core deposits89.1794%2,210
Total domestic deposits to total assets90.2275%638
Equity capital to assets8.9737%5,326
Core capital (leverage) ratio8.9989%4,956
Tier 1 risk-based capital ratio11.4803%5,567
Total risk-based capital ratio12.7339%5,479
Memoranda:
Average total assets$498,015,5001,364
Average earning assets$447,179,5001,408
Average equity$44,443,0001,682
Average total loans$379,544,5001,215
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3059%41
Cost of funding earning assets0.3834%3,867
Net interest margin7.9224%38
Noninterest income to average assets1.5101%537
Noninterest expense to average assets5.5545%222
Loan and lease loss provision to assets1.1356%86
Net operating income to assets1.2519%1,426
Return on assets (ROA)1.2560%1,474
Pretax return on assets1.8899%657
Return on Equity (ROE)14.6743%831
Retained earnings to average equity (ytd only)14.6743%155
Net charge-offs to loans1.7142%132
Credit loss provision to net charge-offs86.7360%2,717
Earnings coverage of net charge-offs (x)2.3061%4,193
Efficiency ratio64.7854%4,440
Assets per employee ($millions)2.1678%6,324
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.7227%1,720
Loan loss allowance to noncurrent loans61.4279%4,769
Noncurrent assets plus other real estate owned to assets3.2058%601
Noncurrent loans to loans2.8045%839
Net loans and leases to total assets76.1424%1,244
Net loans and leases to deposits84.1103%2,203
Net loans and leases to core deposits91.8663%2,105
Total domestic deposits to total assets90.5268%529
Equity capital to assets8.8727%5,410
Core capital (leverage) ratio8.8491%5,189
Tier 1 risk-based capital ratio11.1872%5,824
Total risk-based capital ratio12.4426%5,757
Memoranda:
Average total assets$477,382,2001,400
Average earning assets$425,626,6001,437
Average equity$40,860,6001,749
Average total loans$364,598,6001,217
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3589%41
Cost of funding earning assets0.3777%4,048
Net interest margin7.9812%33
Noninterest income to average assets1.5317%536
Noninterest expense to average assets5.6419%212
Loan and lease loss provision to assets0.8153%152
Net operating income to assets1.4409%1,047
Return on assets (ROA)1.4465%1,072
Pretax return on assets2.1940%371
Return on Equity (ROE)17.0606%540
Retained earnings to average equity (ytd only)17.0606%139
Net charge-offs to loans1.4909%162
Credit loss provision to net charge-offs71.8711%2,737
Earnings coverage of net charge-offs (x)2.6454%3,860
Efficiency ratio65.2788%4,327
Assets per employee ($millions)2.2119%6,374
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.6561%2,113
Loan loss allowance to noncurrent loans49.9079%5,145
Noncurrent assets plus other real estate owned to assets3.9549%508
Noncurrent loans to loans3.3182%748
Net loans and leases to total assets76.0651%1,216
Net loans and leases to deposits83.9407%2,157
Net loans and leases to core deposits91.8030%2,051
Total domestic deposits to total assets90.6176%486
Equity capital to assets8.7646%5,578
Core capital (leverage) ratio8.8110%5,323
Tier 1 risk-based capital ratio10.9715%6,006
Total risk-based capital ratio12.2261%5,951
Memoranda:
Average total assets$474,248,0001,420
Average earning assets$422,551,0001,458
Average equity$40,208,5001,783
Average total loans$360,854,5001,231
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3951%38
Cost of funding earning assets0.3718%4,185
Net interest margin8.0232%34
Noninterest income to average assets1.7157%442
Noninterest expense to average assets5.7240%203
Loan and lease loss provision to assets0.7615%172
Net operating income to assets1.5575%780
Return on assets (ROA)1.5660%797
Pretax return on assets2.3849%261
Return on Equity (ROE)18.6878%390
Retained earnings to average equity (ytd only)18.6878%105
Net charge-offs to loans1.2039%258
Credit loss provision to net charge-offs83.6058%2,285
Earnings coverage of net charge-offs (x)3.4404%3,308
Efficiency ratio64.6223%4,592
Assets per employee ($millions)2.1036%6,471
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.9342%1,499
Loan loss allowance to noncurrent loans51.1854%5,128
Noncurrent assets plus other real estate owned to assets4.2779%470
Noncurrent loans to loans3.7788%655
Net loans and leases to total assets75.1662%1,284
Net loans and leases to deposits82.8432%2,158
Net loans and leases to core deposits90.4374%2,086
Total domestic deposits to total assets90.7332%496
Equity capital to assets8.6991%5,614
Core capital (leverage) ratio8.6381%5,482
Tier 1 risk-based capital ratio10.9915%6,053
Total risk-based capital ratio12.2493%5,994
Memoranda:
Average total assets$470,125,6701,426
Average earning assets$418,484,3301,468
Average equity$39,394,6701,799
Average total loans$355,680,3301,238
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.2600%37
Cost of funding earning assets0.3664%4,363
Net interest margin7.8936%32
Noninterest income to average assets2.1079%305
Noninterest expense to average assets5.4408%250
Loan and lease loss provision to assets0.9519%117
Net operating income to assets1.8014%484
Return on assets (ROA)1.8014%503
Pretax return on assets2.7413%173
Return on Equity (ROE)21.9192%201
Retained earnings to average equity (ytd only)21.9192%89
Net charge-offs to loans1.4745%216
Credit loss provision to net charge-offs85.9014%1,837
Earnings coverage of net charge-offs (x)3.3328%2,700
Efficiency ratio59.5663%5,461
Assets per employee ($millions)2.2496%6,488
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.0359%1,448
Loan loss allowance to noncurrent loans48.1343%5,259
Noncurrent assets plus other real estate owned to assets4.6417%463
Noncurrent loans to loans4.2295%608
Net loans and leases to total assets72.4948%1,496
Net loans and leases to deposits79.5050%2,368
Net loans and leases to core deposits86.6991%2,241
Total domestic deposits to total assets91.1827%493
Equity capital to assets8.2986%5,826
Core capital (leverage) ratio8.4478%5,704
Tier 1 risk-based capital ratio10.9058%6,188
Total risk-based capital ratio12.1648%6,143
Memoranda:
Average total assets$468,533,0001,435
Average earning assets$417,044,5001,479
Average equity$38,505,0001,830
Average total loans$352,127,0001,247
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.5652%37
Cost of funding earning assets0.4814%3,804
Net interest margin8.0838%34
Noninterest income to average assets0.8925%1,706
Noninterest expense to average assets5.3091%281
Loan and lease loss provision to assets1.1801%140
Net operating income to assets1.0141%2,269
Return on assets (ROA)1.0145%2,329
Pretax return on assets1.5113%1,410
Return on Equity (ROE)13.0500%1,158
Retained earnings to average equity (ytd only)13.0500%242
Net charge-offs to loans1.9453%199
Credit loss provision to net charge-offs83.6951%2,933
Earnings coverage of net charge-offs (x)1.9083%4,417
Efficiency ratio66.3648%4,496
Assets per employee ($millions)2.1705%6,578
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.0972%1,339
Loan loss allowance to noncurrent loans47.1582%5,377
Noncurrent assets plus other real estate owned to assets5.0744%460
Noncurrent loans to loans4.4471%602
Net loans and leases to total assets74.7499%1,250
Net loans and leases to deposits81.7986%2,204
Net loans and leases to core deposits89.3188%2,104
Total domestic deposits to total assets91.3829%445
Equity capital to assets8.1349%5,916
Core capital (leverage) ratio8.0614%6,087
Tier 1 risk-based capital ratio10.2861%6,439
Total risk-based capital ratio11.5459%6,390
Memoranda:
Average total assets$454,109,4001,461
Average earning assets$399,257,0001,511
Average equity$35,302,8001,954
Average total loans$329,152,4001,296
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.3148%43
Cost of funding earning assets0.5000%3,763
Net interest margin7.8147%35
Noninterest income to average assets0.9551%1,593
Noninterest expense to average assets5.3621%271
Loan and lease loss provision to assets0.9011%196
Net operating income to assets1.0579%2,157
Return on assets (ROA)1.0579%2,239
Pretax return on assets1.5516%1,463
Return on Equity (ROE)13.7700%1,046
Retained earnings to average equity (ytd only)13.7700%270
Net charge-offs to loans1.6270%265
Credit loss provision to net charge-offs77.4626%2,906
Earnings coverage of net charge-offs (x)2.1084%4,137
Efficiency ratio68.6143%3,975
Assets per employee ($millions)2.1922%6,646
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.1830%1,354
Loan loss allowance to noncurrent loans46.0794%5,401
Noncurrent assets plus other real estate owned to assets5.4811%478
Noncurrent loans to loans4.7374%660
Net loans and leases to total assets72.5259%1,523
Net loans and leases to deposits79.1949%2,515
Net loans and leases to core deposits88.2140%2,164
Total domestic deposits to total assets91.5789%347
Equity capital to assets7.8371%6,239
Core capital (leverage) ratio7.9560%6,254
Tier 1 risk-based capital ratio10.1639%6,549
Total risk-based capital ratio11.4244%6,516
Memoranda:
Average total assets$452,598,5001,474
Average earning assets$397,290,0001,535
Average equity$34,770,2502,002
Average total loans$323,607,5001,318
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.1957%43
Cost of funding earning assets0.5257%3,645
Net interest margin7.6700%39
Noninterest income to average assets1.0407%1,408
Noninterest expense to average assets5.2467%297
Loan and lease loss provision to assets1.0518%169
Net operating income to assets0.9809%2,411
Return on assets (ROA)0.9809%2,561
Pretax return on assets1.4357%1,823
Return on Equity (ROE)12.8581%1,271
Retained earnings to average equity (ytd only)12.8581%400
Net charge-offs to loans1.8729%246
Credit loss provision to net charge-offs79.5616%2,631
Earnings coverage of net charge-offs (x)1.8816%3,896
Efficiency ratio67.8370%4,210
Assets per employee ($millions)2.2359%6,664
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.3822%1,114
Loan loss allowance to noncurrent loans48.6719%5,260
Noncurrent assets plus other real estate owned to assets5.7021%502
Noncurrent loans to loans4.8944%678
Net loans and leases to total assets69.7874%1,922
Net loans and leases to deposits76.0091%2,874
Net loans and leases to core deposits84.4988%2,492
Total domestic deposits to total assets91.8145%286
Equity capital to assets7.6543%6,391
Core capital (leverage) ratio7.6474%6,392
Tier 1 risk-based capital ratio10.2132%6,586
Total risk-based capital ratio11.4759%6,556
Memoranda:
Average total assets$448,551,6701,479
Average earning assets$391,447,3301,553
Average equity$34,219,6702,033
Average total loans$316,617,3301,340
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.0264%41
Cost of funding earning assets0.5496%3,573
Net interest margin7.4768%41
Noninterest income to average assets0.9945%1,474
Noninterest expense to average assets4.9580%379
Loan and lease loss provision to assets0.7483%305
Net operating income to assets1.2154%1,489
Return on assets (ROA)1.2154%1,596
Pretax return on assets1.8014%882
Return on Equity (ROE)15.9586%614
Retained earnings to average equity (ytd only)15.9586%280
Net charge-offs to loans2.2335%198
Credit loss provision to net charge-offs47.7835%2,634
Earnings coverage of net charge-offs (x)1.6281%3,293
Efficiency ratio66.0382%4,654
Assets per employee ($millions)2.3942%6,663
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.4095%1,240
Loan loss allowance to noncurrent loans43.8376%5,431
Noncurrent assets plus other real estate owned to assets6.2664%499
Noncurrent loans to loans5.4964%654
Net loans and leases to total assets66.8203%2,225
Net loans and leases to deposits72.6694%3,095
Net loans and leases to core deposits81.3750%2,644
Total domestic deposits to total assets91.9511%255
Equity capital to assets7.5695%6,569
Core capital (leverage) ratio7.5807%6,431
Tier 1 risk-based capital ratio10.2344%6,652
Total risk-based capital ratio11.4972%6,640
Memoranda:
Average total assets$443,648,5001,513
Average earning assets$386,473,0001,581
Average equity$33,787,5002,090
Average total loans$311,085,0001,369
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.5941%41
Cost of funding earning assets0.6928%3,555
Net interest margin7.9013%38
Noninterest income to average assets0.5434%3,625
Noninterest expense to average assets4.7181%470
Loan and lease loss provision to assets2.4460%64
Net operating income to assets0.1532%5,885
Return on assets (ROA)0.1704%6,012
Pretax return on assets0.2166%5,964
Return on Equity (ROE)2.2158%5,845
Retained earnings to average equity (ytd only)2.2158%4,680
Net charge-offs to loans3.0301%162
Credit loss provision to net charge-offs111.1227%2,625
Earnings coverage of net charge-offs (x)1.1997%4,859
Efficiency ratio64.1147%4,861
Assets per employee ($millions)2.3000%6,775
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.7075%915
Loan loss allowance to noncurrent loans50.4710%5,107
Noncurrent assets plus other real estate owned to assets6.9076%452
Noncurrent loans to loans5.3644%703
Net loans and leases to total assets69.9097%1,856
Net loans and leases to deposits76.0576%2,797
Net loans and leases to core deposits85.0409%2,418
Total domestic deposits to total assets91.9168%259
Equity capital to assets7.6646%6,564
Core capital (leverage) ratio7.3089%6,580
Tier 1 risk-based capital ratio9.6620%6,777
Total risk-based capital ratio10.9283%6,758
Memoranda:
Average total assets$435,407,8001,517
Average earning assets$375,569,6001,595
Average equity$33,486,8002,063
Average total loans$316,298,4001,327
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.4304%40
Cost of funding earning assets0.7248%3,557
Net interest margin7.7057%39
Noninterest income to average assets1.4389%724
Noninterest expense to average assets5.0047%363
Loan and lease loss provision to assets2.0940%104
Net operating income to assets0.6776%4,016
Return on assets (ROA)0.6979%4,173
Pretax return on assets1.0127%3,661
Return on Equity (ROE)9.0665%2,770
Retained earnings to average equity (ytd only)9.0665%1,205
Net charge-offs to loans2.8916%192
Credit loss provision to net charge-offs99.4194%3,024
Earnings coverage of net charge-offs (x)1.4611%4,556
Efficiency ratio61.9237%5,158
Assets per employee ($millions)2.3642%6,813
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.3192%1,481
Loan loss allowance to noncurrent loans44.3541%5,438
Noncurrent assets plus other real estate owned to assets6.8553%531
Noncurrent loans to loans5.2289%844
Net loans and leases to total assets69.6008%1,994
Net loans and leases to deposits75.9082%2,994
Net loans and leases to core deposits86.1282%2,446
Total domestic deposits to total assets91.6908%249
Equity capital to assets7.8487%6,665
Core capital (leverage) ratio7.8161%6,455
Tier 1 risk-based capital ratio10.2055%6,748
Total risk-based capital ratio11.4669%6,728
Memoranda:
Average total assets$436,161,7501,524
Average earning assets$376,024,7501,605
Average equity$33,573,2502,069
Average total loans$317,699,0001,335
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.4029%43
Cost of funding earning assets0.7428%3,665
Net interest margin7.6602%41
Noninterest income to average assets1.4363%702
Noninterest expense to average assets5.0850%355
Loan and lease loss provision to assets2.0498%138
Net operating income to assets0.6317%4,216
Return on assets (ROA)0.6343%4,448
Pretax return on assets0.9084%4,045
Return on Equity (ROE)8.2958%3,113
Retained earnings to average equity (ytd only)8.2958%1,526
Net charge-offs to loans2.6322%258
Credit loss provision to net charge-offs106.1293%2,565
Earnings coverage of net charge-offs (x)1.5297%4,224
Efficiency ratio63.2499%5,040
Assets per employee ($millions)2.3573%6,859
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.4128%1,398
Loan loss allowance to noncurrent loans43.6052%5,473
Noncurrent assets plus other real estate owned to assets7.0176%557
Noncurrent loans to loans5.5333%838
Net loans and leases to total assets70.5130%1,823
Net loans and leases to deposits76.8180%2,868
Net loans and leases to core deposits87.3747%2,267
Total domestic deposits to total assets91.7923%261
Equity capital to assets7.7578%6,690
Core capital (leverage) ratio7.5702%6,587
Tier 1 risk-based capital ratio9.8802%6,854
Total risk-based capital ratio11.1433%6,837
Memoranda:
Average total assets$434,179,0001,529
Average earning assets$374,273,6701,616
Average equity$33,197,6702,077
Average total loans$318,592,6701,332
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.1995%47
Cost of funding earning assets0.7730%3,681
Net interest margin7.4265%49
Noninterest income to average assets1.4764%667
Noninterest expense to average assets4.8475%408
Loan and lease loss provision to assets1.9390%150
Net operating income to assets0.7557%3,595
Return on assets (ROA)0.7608%3,806
Pretax return on assets1.1025%3,315
Return on Equity (ROE)10.0242%2,398
Retained earnings to average equity (ytd only)10.0242%1,263
Net charge-offs to loans2.8083%272
Credit loss provision to net charge-offs93.3748%2,487
Earnings coverage of net charge-offs (x)1.4611%3,594
Efficiency ratio61.5042%5,368
Assets per employee ($millions)2.3672%6,946
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.2693%1,738
Loan loss allowance to noncurrent loans30.4390%6,150
Noncurrent assets plus other real estate owned to assets7.8275%501
Noncurrent loans to loans7.4551%569
Net loans and leases to total assets70.7757%1,617
Net loans and leases to deposits76.9379%2,682
Net loans and leases to core deposits87.2847%2,137
Total domestic deposits to total assets91.9907%258
Equity capital to assets7.5946%6,745
Core capital (leverage) ratio7.3639%6,706
Tier 1 risk-based capital ratio9.6466%6,945
Total risk-based capital ratio10.9082%6,937
Memoranda:
Average total assets$433,216,5001,540
Average earning assets$373,633,0001,625
Average equity$32,880,5002,096
Average total loans$320,332,5001,322
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.8687%56
Cost of funding earning assets1.1055%2,634
Net interest margin6.7633%58
Noninterest income to average assets0.8550%1,827
Noninterest expense to average assets4.1826%829
Loan and lease loss provision to assets3.6850%70
Net operating income to assets-0.6139%6,558
Return on assets (ROA)-0.5366%6,556
Pretax return on assets-0.9710%6,720
Return on Equity (ROE)-7.3359%6,651
Retained earnings to average equity (ytd only)-7.3359%6,592
Net charge-offs to loans5.6797%56
Credit loss provision to net charge-offs85.8425%4,206
Earnings coverage of net charge-offs (x)0.6041%5,370
Efficiency ratio61.7293%5,502
Assets per employee ($millions)2.3162%6,996
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.2707%1,673
Loan loss allowance to noncurrent loans24.9017%6,436
Noncurrent assets plus other real estate owned to assets9.3302%375
Noncurrent loans to loans9.1187%384
Net loans and leases to total assets73.7857%1,308
Net loans and leases to deposits80.1833%2,489
Net loans and leases to core deposits91.7016%1,919
Total domestic deposits to total assets92.0213%236
Equity capital to assets7.5850%6,775
Core capital (leverage) ratio7.0593%6,842
Tier 1 risk-based capital ratio9.0857%7,022
Total risk-based capital ratio10.3472%7,023
Memoranda:
Average total assets$456,939,6001,439
Average earning assets$400,014,0001,488
Average equity$33,424,8001,991
Average total loans$345,352,4001,227
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6045%63
Cost of funding earning assets1.1741%2,487
Net interest margin6.4304%68
Noninterest income to average assets1.3222%749
Noninterest expense to average assets4.6649%492
Loan and lease loss provision to assets3.5018%82
Net operating income to assets-0.7508%6,777
Return on assets (ROA)-0.6493%6,762
Pretax return on assets-1.0320%6,887
Return on Equity (ROE)-8.9532%6,860
Retained earnings to average equity (ytd only)-8.9532%6,814
Net charge-offs to loans5.5557%71
Credit loss provision to net charge-offs83.3767%4,021
Earnings coverage of net charge-offs (x)0.5503%5,219
Efficiency ratio66.8699%4,550
Assets per employee ($millions)2.4059%6,982
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.3133%1,668
Loan loss allowance to noncurrent loans22.3510%6,613
Noncurrent assets plus other real estate owned to assets9.7832%377
Noncurrent loans to loans10.3498%335
Net loans and leases to total assets72.2073%1,664
Net loans and leases to deposits78.3287%2,915
Net loans and leases to core deposits90.6583%2,167
Total domestic deposits to total assets92.1850%187
Equity capital to assets7.2736%6,998
Core capital (leverage) ratio7.0290%6,953
Tier 1 risk-based capital ratio9.1245%7,101
Total risk-based capital ratio10.3865%7,096
Memoranda:
Average total assets$464,051,5001,428
Average earning assets$408,009,2501,478
Average equity$33,655,7501,984
Average total loans$350,812,5001,224
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.5277%70
Cost of funding earning assets1.2368%2,346
Net interest margin6.2909%76
Noninterest income to average assets1.2817%766
Noninterest expense to average assets4.7426%464
Loan and lease loss provision to assets2.9388%158
Net operating income to assets-0.5103%6,699
Return on assets (ROA)-0.5103%6,726
Pretax return on assets-0.8443%6,841
Return on Equity (ROE)-7.0423%6,830
Retained earnings to average equity (ytd only)-7.0423%6,722
Net charge-offs to loans4.8109%141
Credit loss provision to net charge-offs80.2330%3,766
Earnings coverage of net charge-offs (x)0.5718%4,873
Efficiency ratio69.3666%4,247
Assets per employee ($millions)2.4789%6,937
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.4414%1,533
Loan loss allowance to noncurrent loans28.4845%6,355
Noncurrent assets plus other real estate owned to assets7.9843%585
Noncurrent loans to loans8.5710%503
Net loans and leases to total assets73.8195%1,450
Net loans and leases to deposits80.0704%2,780
Net loans and leases to core deposits91.9725%2,134
Total domestic deposits to total assets92.1932%203
Equity capital to assets7.3095%7,029
Core capital (leverage) ratio7.0507%6,976
Tier 1 risk-based capital ratio9.3291%7,137
Total risk-based capital ratio10.5933%7,133
Memoranda:
Average total assets$468,767,6701,431
Average earning assets$413,963,3301,464
Average equity$33,966,3301,961
Average total loans$356,898,0001,217
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4984%77
Cost of funding earning assets1.3307%2,007
Net interest margin6.1678%86
Noninterest income to average assets1.3202%737
Noninterest expense to average assets4.4362%635
Loan and lease loss provision to assets2.2210%241
Net operating income to assets0.1069%6,078
Return on assets (ROA)0.1069%6,131
Pretax return on assets0.1069%6,153
Return on Equity (ROE)1.4819%5,987
Retained earnings to average equity (ytd only)1.4819%5,219
Net charge-offs to loans3.0476%355
Credit loss provision to net charge-offs95.4414%2,840
Earnings coverage of net charge-offs (x)1.0004%3,910
Efficiency ratio65.5838%5,110
Assets per employee ($millions)2.6369%6,788
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.7965%1,114
Loan loss allowance to noncurrent loans32.2172%6,157
Noncurrent assets plus other real estate owned to assets7.7533%628
Noncurrent loans to loans8.6802%531
Net loans and leases to total assets72.8051%1,554
Net loans and leases to deposits78.9069%2,912
Net loans and leases to core deposits91.0602%2,235
Total domestic deposits to total assets92.2670%222
Equity capital to assets7.2029%7,010
Core capital (leverage) ratio7.1158%6,952
Tier 1 risk-based capital ratio9.4073%7,169
Total risk-based capital ratio10.6759%7,163
Memoranda:
Average total assets$475,092,5001,424
Average earning assets$419,340,0001,466
Average equity$34,279,5001,934
Average total loans$362,782,0001,206
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7939%64
Cost of funding earning assets1.7163%1,521
Net interest margin6.0775%92
Noninterest income to average assets0.9986%1,505
Noninterest expense to average assets4.3156%798
Loan and lease loss provision to assets3.7530%186
Net operating income to assets-1.0739%6,728
Return on assets (ROA)-1.0658%6,752
Pretax return on assets-1.6490%6,914
Return on Equity (ROE)-14.4490%6,903
Retained earnings to average equity (ytd only)-14.4490%6,862
Net charge-offs to loans3.5462%399
Credit loss provision to net charge-offs135.2972%2,872
Earnings coverage of net charge-offs (x)0.7540%5,366
Efficiency ratio67.3568%4,693
Assets per employee ($millions)2.6127%6,833
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.7502%1,111
Loan loss allowance to noncurrent loans32.7605%6,136
Noncurrent assets plus other real estate owned to assets7.5442%685
Noncurrent loans to loans8.3948%594
Net loans and leases to total assets75.6938%1,334
Net loans and leases to deposits82.0642%2,786
Net loans and leases to core deposits94.8424%2,152
Total domestic deposits to total assets92.2373%230
Equity capital to assets7.2279%7,027
Core capital (leverage) ratio7.0362%7,011
Tier 1 risk-based capital ratio9.1359%7,214
Total risk-based capital ratio10.4042%7,216
Memoranda:
Average total assets$480,952,6001,397
Average earning assets$428,002,2001,417
Average equity$35,476,6001,865
Average total loans$376,205,4001,206
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7284%73
Cost of funding earning assets1.7813%1,499
Net interest margin5.9471%100
Noninterest income to average assets0.9588%1,593
Noninterest expense to average assets4.3712%683
Loan and lease loss provision to assets3.3266%232
Net operating income to assets-0.9202%6,855
Return on assets (ROA)-0.9185%6,895
Pretax return on assets-1.4430%7,032
Return on Equity (ROE)-12.3906%7,025
Retained earnings to average equity (ytd only)-12.3906%6,988
Net charge-offs to loans3.0703%491
Credit loss provision to net charge-offs138.3467%2,885
Earnings coverage of net charge-offs (x)0.7822%5,271
Efficiency ratio69.9165%4,086
Assets per employee ($millions)2.7340%6,716
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.3053%1,620
Loan loss allowance to noncurrent loans28.3935%6,429
Noncurrent assets plus other real estate owned to assets7.3089%729
Noncurrent loans to loans8.1193%628
Net loans and leases to total assets75.3819%1,515
Net loans and leases to deposits81.9189%3,124
Net loans and leases to core deposits96.2991%2,225
Total domestic deposits to total assets92.0201%191
Equity capital to assets7.4016%7,181
Core capital (leverage) ratio7.2759%7,023
Tier 1 risk-based capital ratio9.2904%7,303
Total risk-based capital ratio10.5531%7,307
Memoranda:
Average total assets$482,964,5001,407
Average earning assets$429,868,0001,432
Average equity$35,800,5001,867
Average total loans$378,236,0001,206
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7033%77
Cost of funding earning assets1.8192%1,573
Net interest margin5.8841%110
Noninterest income to average assets0.8747%1,783
Noninterest expense to average assets4.3120%716
Loan and lease loss provision to assets3.3548%270
Net operating income to assets-0.9958%6,941
Return on assets (ROA)-0.9931%6,965
Pretax return on assets-1.5486%7,091
Return on Equity (ROE)-13.3905%7,089
Retained earnings to average equity (ytd only)-13.3905%7,051
Net charge-offs to loans2.6505%628
Credit loss provision to net charge-offs160.8070%2,448
Earnings coverage of net charge-offs (x)0.8638%4,900
Efficiency ratio70.5269%4,079
Assets per employee ($millions)2.7471%6,697
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.2018%1,748
Loan loss allowance to noncurrent loans31.9146%6,235
Noncurrent assets plus other real estate owned to assets6.5086%857
Noncurrent loans to loans6.8991%835
Net loans and leases to total assets77.2627%1,240
Net loans and leases to deposits84.2022%2,838
Net loans and leases to core deposits98.0534%2,223
Total domestic deposits to total assets91.7585%269
Equity capital to assets7.6529%7,022
Core capital (leverage) ratio7.5463%6,787
Tier 1 risk-based capital ratio9.4723%7,270
Total risk-based capital ratio10.7340%7,270
Memoranda:
Average total assets$479,911,0001,426
Average earning assets$427,323,0001,455
Average equity$35,592,3301,877
Average total loans$377,739,0001,217
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4956%106
Cost of funding earning assets1.8473%1,670
Net interest margin5.6483%147
Noninterest income to average assets0.8843%1,688
Noninterest expense to average assets3.9383%1,118
Loan and lease loss provision to assets3.4584%269
Net operating income to assets-0.9476%7,081
Return on assets (ROA)-0.9422%7,100
Pretax return on assets-1.4733%7,249
Return on Equity (ROE)-12.9144%7,250
Retained earnings to average equity (ytd only)-12.9144%7,112
Net charge-offs to loans3.5040%403
Credit loss provision to net charge-offs125.6324%2,797
Earnings coverage of net charge-offs (x)0.7181%4,386
Efficiency ratio66.5816%4,989
Assets per employee ($millions)2.8305%6,575
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.6656%3,195
Loan loss allowance to noncurrent loans22.4685%6,882
Noncurrent assets plus other real estate owned to assets6.9385%781
Noncurrent loans to loans7.4129%775
Net loans and leases to total assets75.8542%1,577
Net loans and leases to deposits82.0987%3,267
Net loans and leases to core deposits95.7320%2,616
Total domestic deposits to total assets92.3939%177
Equity capital to assets7.0293%7,353
Core capital (leverage) ratio7.0918%7,182
Tier 1 risk-based capital ratio8.8229%7,513
Total risk-based capital ratio10.0775%7,533
Memoranda:
Average total assets$476,748,5001,466
Average earning assets$424,622,5001,506
Average equity$34,783,0001,934
Average total loans$374,540,0001,268
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7104%104
Cost of funding earning assets2.3129%1,602
Net interest margin5.3975%208
Noninterest income to average assets0.9128%1,899
Noninterest expense to average assets3.9232%1,478
Loan and lease loss provision to assets1.9654%1,115
Net operating income to assets-0.0258%5,541
Return on assets (ROA)-0.1820%5,818
Pretax return on assets-0.4034%5,919
Return on Equity (ROE)-2.3232%5,899
Retained earnings to average equity (ytd only)-2.8830%5,676
Net charge-offs to loans2.2152%1,072
Credit loss provision to net charge-offs110.4757%4,979
Earnings coverage of net charge-offs (x)1.0152%5,102
Efficiency ratio68.4768%4,925
Assets per employee ($millions)2.5925%7,053
Cash dividends to net income (ytd only)*-24.0964%7,719
Condition Ratios (%)
Loss allowance to loans1.4494%3,981
Loan loss allowance to noncurrent loans19.1179%7,098
Noncurrent assets plus other real estate owned to assets7.3922%662
Noncurrent loans to loans7.5814%690
Net loans and leases to total assets78.8851%1,207
Net loans and leases to deposits85.8829%2,938
Net loans and leases to core deposits141.1241%768
Total domestic deposits to total assets91.8519%292
Equity capital to assets7.5740%6,966
Core capital (leverage) ratio7.3491%6,941
Tier 1 risk-based capital ratio9.0876%7,433
Total risk-based capital ratio10.3397%7,452
Memoranda:
Average total assets$456,080,6001,517
Average earning assets$406,981,4001,557
Average equity$35,726,4001,886
Average total loans$366,282,8001,311
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6723%112
Cost of funding earning assets2.3833%1,692
Net interest margin5.2890%257
Noninterest income to average assets0.9342%1,840
Noninterest expense to average assets3.8767%1,465
Loan and lease loss provision to assets1.8525%1,003
Net operating income to assets-0.0105%5,724
Return on assets (ROA)-0.2199%6,107
Pretax return on assets-0.3973%6,196
Return on Equity (ROE)-2.7841%6,212
Retained earnings to average equity (ytd only)-3.5285%6,037
Net charge-offs to loans2.3518%789
Credit loss provision to net charge-offs97.9935%5,217
Earnings coverage of net charge-offs (x)0.9429%5,113
Efficiency ratio68.5025%4,881
Assets per employee ($millions)2.7035%6,843
Cash dividends to net income (ytd only)*-26.7379%7,872
Condition Ratios (%)
Loss allowance to loans1.1895%5,172
Loan loss allowance to noncurrent loans17.3303%7,223
Noncurrent assets plus other real estate owned to assets5.9104%923
Noncurrent loans to loans6.8639%793
Net loans and leases to total assets77.4240%1,686
Net loans and leases to deposits84.2989%3,601
Net loans and leases to core deposits138.0966%1,007
Total domestic deposits to total assets91.8446%199
Equity capital to assets7.4848%7,305
Core capital (leverage) ratio7.5006%6,969
Tier 1 risk-based capital ratio9.1258%7,573
Total risk-based capital ratio10.2805%7,619
Memoranda:
Average total assets$453,438,0001,545
Average earning assets$405,083,5001,575
Average equity$35,822,0001,901
Average total loans$364,470,5001,345
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7815%112
Cost of funding earning assets2.4744%1,704
Net interest margin5.3071%241
Noninterest income to average assets0.9444%1,779
Noninterest expense to average assets3.8984%1,489
Loan and lease loss provision to assets1.9283%849
Net operating income to assets-0.0692%5,952
Return on assets (ROA)-0.4036%6,458
Pretax return on assets-0.6803%6,586
Return on Equity (ROE)-5.0151%6,608
Retained earnings to average equity (ytd only)-6.1296%6,468
Net charge-offs to loans2.1632%855
Credit loss provision to net charge-offs109.9182%4,217
Earnings coverage of net charge-offs (x)1.0092%4,775
Efficiency ratio68.7683%5,013
Assets per employee ($millions)2.5140%7,225
Cash dividends to net income (ytd only)*-22.2222%7,944
Condition Ratios (%)
Loss allowance to loans1.3369%4,060
Loan loss allowance to noncurrent loans23.2042%6,956
Noncurrent assets plus other real estate owned to assets5.0229%1,052
Noncurrent loans to loans5.7613%970
Net loans and leases to total assets79.8760%1,336
Net loans and leases to deposits87.2428%3,314
Net loans and leases to core deposits139.2100%1,046
Total domestic deposits to total assets91.5560%310
Equity capital to assets7.6793%7,103
Core capital (leverage) ratio7.7182%6,726
Tier 1 risk-based capital ratio9.2362%7,581
Total risk-based capital ratio10.4870%7,571
Memoranda:
Average total assets$445,977,3301,592
Average earning assets$397,019,0001,639
Average equity$35,891,3301,897
Average total loans$361,682,6701,384
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.7369%125
Cost of funding earning assets2.5208%1,841
Net interest margin5.2161%273
Noninterest income to average assets0.8660%2,008
Noninterest expense to average assets3.6566%1,739
Loan and lease loss provision to assets1.4539%870
Net operating income to assets0.3180%5,228
Return on assets (ROA)0.3180%5,395
Pretax return on assets0.4262%5,322
Return on Equity (ROE)3.8600%4,996
Retained earnings to average equity (ytd only)1.9300%4,777
Net charge-offs to loans2.6218%515
Credit loss provision to net charge-offs68.3177%4,381
Earnings coverage of net charge-offs (x)0.8834%4,321
Efficiency ratio66.0430%5,321
Assets per employee ($millions)2.5032%7,274
Cash dividends to net income (ytd only)*50.0000%1,758
Condition Ratios (%)
Loss allowance to loans1.0590%5,758
Loan loss allowance to noncurrent loans22.5049%7,039
Noncurrent assets plus other real estate owned to assets4.0855%1,251
Noncurrent loans to loans4.7057%1,188
Net loans and leases to total assets78.8104%1,624
Net loans and leases to deposits86.3970%3,569
Net loans and leases to core deposits133.0671%1,473
Total domestic deposits to total assets91.2189%345
Equity capital to assets8.0437%6,747
Core capital (leverage) ratio8.2325%6,028
Tier 1 risk-based capital ratio9.6342%7,306
Total risk-based capital ratio10.6521%7,463
Memoranda:
Average total assets$440,194,0001,613
Average earning assets$394,163,5001,657
Average equity$36,269,0001,885
Average total loans$357,314,0001,408
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.8760%73
Cost of funding earning assets2.9645%2,010
Net interest margin5.9115%120
Noninterest income to average assets1.0244%1,511
Noninterest expense to average assets4.3932%962
Loan and lease loss provision to assets0.7876%1,893
Net operating income to assets0.7822%3,515
Return on assets (ROA)0.7862%3,342
Pretax return on assets1.1430%2,861
Return on Equity (ROE)9.1702%2,584
Retained earnings to average equity (ytd only)6.5862%1,305
Net charge-offs to loans0.7354%1,683
Credit loss provision to net charge-offs133.7793%3,972
Earnings coverage of net charge-offs (x)3.2696%4,454
Efficiency ratio69.5325%4,439
Assets per employee ($millions)2.2973%7,570
Cash dividends to net income (ytd only)*28.1778%4,179
Condition Ratios (%)
Loss allowance to loans1.2903%3,852
Loan loss allowance to noncurrent loans34.6940%6,422
Noncurrent assets plus other real estate owned to assets3.4311%1,298
Noncurrent loans to loans3.7190%1,350
Net loans and leases to total assets81.7134%1,284
Net loans and leases to deposits90.2349%3,411
Net loans and leases to core deposits134.2940%1,584
Total domestic deposits to total assets90.5563%467
Equity capital to assets8.4467%6,177
Core capital (leverage) ratio8.4065%5,748
Tier 1 risk-based capital ratio9.8504%6,903
Total risk-based capital ratio11.0992%6,785
Memoranda:
Average total assets$406,283,2001,674
Average earning assets$363,836,2001,710
Average equity$34,830,4001,942
Average total loans$325,252,4001,496