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Bank of Eastern Oregon, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3342%803
Cost of funding earning assets0.1037%4,357
Net interest margin4.2306%465
Noninterest income to average assets0.4963%2,586
Noninterest expense to average assets3.0086%966
Loan and lease loss provision to assets0.1138%1,105
Net operating income to assets1.0063%2,645
Return on assets (ROA)1.0063%2,716
Pretax return on assets1.3266%2,277
Return on Equity (ROE)13.0053%1,467
Retained earnings to average equity (ytd only)10.8970%722
Net charge-offs to loans0.0928%900
Credit loss provision to net charge-offs183.8074%1,352
Earnings coverage of net charge-offs (x)23.2626%1,783
Efficiency ratio67.0484%2,117
Assets per employee ($millions)5.3636%3,400
Cash dividends to net income (ytd only)*16.2111%3,158
Condition Ratios (%)
Loss allowance to loans1.1433%3,159
Loan loss allowance to noncurrent loans79.7723%3,597
Noncurrent assets plus other real estate owned to assets0.8241%717
Noncurrent loans to loans1.4332%646
Net loans and leases to total assets56.8439%2,496
Net loans and leases to deposits61.8767%2,892
Net loans and leases to core deposits62.2282%3,141
Total domestic deposits to total assets91.8664%217
Equity capital to assets7.5806%4,558
Core capital (leverage) ratio8.1026%4,290
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3346%2,813
Memoranda:
Average total assets$738,060,6001,237
Average earning assets$689,577,8001,235
Average equity$57,107,6001,579
Average total loans$492,260,4001,183
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5931%580
Cost of funding earning assets0.1073%4,445
Net interest margin4.4858%321
Noninterest income to average assets0.5220%2,530
Noninterest expense to average assets3.0862%839
Loan and lease loss provision to assets0.1004%1,200
Net operating income to assets1.1279%2,445
Return on assets (ROA)1.1279%2,510
Pretax return on assets1.5213%1,934
Return on Equity (ROE)14.4931%1,262
Retained earnings to average equity (ytd only)14.4931%462
Net charge-offs to loans0.1308%618
Credit loss provision to net charge-offs110.6557%1,514
Earnings coverage of net charge-offs (x)17.8811%1,801
Efficiency ratio64.9929%2,247
Assets per employee ($millions)5.1039%3,601
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.0660%3,598
Loan loss allowance to noncurrent loans73.5619%3,698
Noncurrent assets plus other real estate owned to assets0.8932%773
Noncurrent loans to loans1.4491%732
Net loans and leases to total assets60.9831%2,136
Net loans and leases to deposits66.4556%2,587
Net loans and leases to core deposits66.8531%2,876
Total domestic deposits to total assets91.7652%175
Equity capital to assets7.6733%4,661
Core capital (leverage) ratio8.4599%4,065
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.3694%3,052
Memoranda:
Average total assets$717,418,2501,285
Average earning assets$669,446,7501,279
Average equity$55,832,2501,627
Average total loans$497,357,2501,188
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3925%862
Cost of funding earning assets0.1112%4,499
Net interest margin4.2813%506
Noninterest income to average assets0.5394%2,448
Noninterest expense to average assets3.1132%823
Loan and lease loss provision to assets0.0686%1,678
Net operating income to assets0.9962%2,899
Return on assets (ROA)0.9962%2,982
Pretax return on assets1.3535%2,465
Return on Equity (ROE)12.7351%1,812
Retained earnings to average equity (ytd only)12.7351%770
Net charge-offs to loans0.2044%421
Credit loss provision to net charge-offs46.5116%1,621
Earnings coverage of net charge-offs (x)9.6415%1,825
Efficiency ratio68.0449%1,877
Assets per employee ($millions)4.6912%3,938
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9400%4,026
Loan loss allowance to noncurrent loans67.7779%3,737
Noncurrent assets plus other real estate owned to assets0.9674%789
Noncurrent loans to loans1.3869%839
Net loans and leases to total assets69.0963%1,312
Net loans and leases to deposits75.4065%1,878
Net loans and leases to core deposits75.8877%2,249
Total domestic deposits to total assets91.6318%210
Equity capital to assets7.8301%4,618
Core capital (leverage) ratio8.2758%4,193
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$699,663,0001,304
Average earning assets$653,027,6671,298
Average equity$54,730,6671,651
Average total loans$504,792,6671,176
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1674%1,258
Cost of funding earning assets0.1144%4,556
Net interest margin4.0530%783
Noninterest income to average assets0.5294%2,483
Noninterest expense to average assets3.1174%819
Loan and lease loss provision to assets0.0697%1,767
Net operating income to assets0.8537%3,258
Return on assets (ROA)0.8537%3,341
Pretax return on assets1.1513%2,983
Return on Equity (ROE)10.9195%2,390
Retained earnings to average equity (ytd only)10.9195%1,422
Net charge-offs to loans-0.0063%3,488
Credit loss provision to net charge-offs-1,500.0000%3,465
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.2257%1,578
Assets per employee ($millions)4.5823%4,036
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.0005%3,834
Loan loss allowance to noncurrent loans62.7748%3,813
Noncurrent assets plus other real estate owned to assets1.1528%658
Noncurrent loans to loans1.5938%765
Net loans and leases to total assets71.6087%1,079
Net loans and leases to deposits77.9900%1,716
Net loans and leases to core deposits78.4938%2,142
Total domestic deposits to total assets91.8178%183
Equity capital to assets7.6806%4,645
Core capital (leverage) ratio8.1712%4,422
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$688,272,0001,304
Average earning assets$646,827,5001,298
Average equity$53,812,0001,657
Average total loans$505,229,0001,177
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0019%484
Cost of funding earning assets0.1916%4,606
Net interest margin4.8103%170
Noninterest income to average assets0.4689%2,778
Noninterest expense to average assets3.5693%631
Loan and lease loss provision to assets0.1171%2,891
Net operating income to assets1.0011%2,289
Return on assets (ROA)1.0011%2,431
Pretax return on assets1.2645%2,104
Return on Equity (ROE)11.7746%1,386
Retained earnings to average equity (ytd only)8.5327%899
Net charge-offs to loans-0.0029%4,035
Credit loss provision to net charge-offs-5,000.0000%4,328
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4551%1,753
Assets per employee ($millions)4.3835%4,024
Cash dividends to net income (ytd only)*27.5326%2,956
Condition Ratios (%)
Loss allowance to loans1.0090%3,833
Loan loss allowance to noncurrent loans53.5985%3,969
Noncurrent assets plus other real estate owned to assets1.4034%545
Noncurrent loans to loans1.8826%638
Net loans and leases to total assets73.7970%1,051
Net loans and leases to deposits80.6913%1,793
Net loans and leases to core deposits81.2144%2,256
Total domestic deposits to total assets91.4560%139
Equity capital to assets7.9653%4,723
Core capital (leverage) ratio8.6133%4,090
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$597,561,6001,334
Average earning assets$556,787,0001,331
Average equity$50,804,4001,670
Average total loans$480,633,8001,178
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0603%547
Cost of funding earning assets0.2133%4,625
Net interest margin4.8470%185
Noninterest income to average assets0.4556%2,817
Noninterest expense to average assets3.5337%678
Loan and lease loss provision to assets0.1608%2,392
Net operating income to assets0.9869%2,383
Return on assets (ROA)0.9869%2,519
Pretax return on assets1.2713%2,153
Return on Equity (ROE)11.4016%1,558
Retained earnings to average equity (ytd only)10.0746%750
Net charge-offs to loans-0.0039%3,999
Credit loss provision to net charge-offs-5,000.0000%4,230
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5033%1,820
Assets per employee ($millions)4.6187%3,702
Cash dividends to net income (ytd only)*11.6387%3,098
Condition Ratios (%)
Loss allowance to loans0.9577%3,855
Loan loss allowance to noncurrent loans48.1830%4,064
Noncurrent assets plus other real estate owned to assets1.5014%567
Noncurrent loans to loans1.9877%611
Net loans and leases to total assets74.8108%1,267
Net loans and leases to deposits93.7194%943
Net loans and leases to core deposits94.3085%1,612
Total domestic deposits to total assets79.8243%3,898
Equity capital to assets7.5846%4,839
Core capital (leverage) ratio9.1073%3,642
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$580,379,2501,347
Average earning assets$540,056,7501,351
Average equity$50,237,5001,676
Average total loans$476,613,5001,181
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3293%459
Cost of funding earning assets0.2323%4,677
Net interest margin5.0970%171
Noninterest income to average assets0.5054%2,540
Noninterest expense to average assets3.7535%532
Loan and lease loss provision to assets0.1474%2,539
Net operating income to assets1.0138%2,273
Return on assets (ROA)1.0138%2,398
Pretax return on assets1.3325%1,926
Return on Equity (ROE)11.1265%1,593
Retained earnings to average equity (ytd only)9.1049%979
Net charge-offs to loans-0.0061%4,069
Credit loss provision to net charge-offs-2,857.1429%3,975
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0615%1,816
Assets per employee ($millions)4.4030%3,911
Cash dividends to net income (ytd only)*18.1686%2,818
Condition Ratios (%)
Loss allowance to loans0.9034%3,987
Loan loss allowance to noncurrent loans44.7239%4,138
Noncurrent assets plus other real estate owned to assets1.7358%479
Noncurrent loans to loans2.0199%665
Net loans and leases to total assets79.3391%681
Net loans and leases to deposits98.0675%650
Net loans and leases to core deposits98.6560%1,358
Total domestic deposits to total assets80.9026%3,632
Equity capital to assets7.8302%4,797
Core capital (leverage) ratio9.4113%3,461
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$542,901,6671,413
Average earning assets$503,590,6671,411
Average equity$49,467,6671,684
Average total loans$461,048,0001,191
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8151%211
Cost of funding earning assets0.2593%4,752
Net interest margin5.5558%82
Noninterest income to average assets0.5912%2,074
Noninterest expense to average assets4.2691%386
Loan and lease loss provision to assets0.1228%2,159
Net operating income to assets0.9981%2,178
Return on assets (ROA)0.9981%2,285
Pretax return on assets1.3215%1,810
Return on Equity (ROE)10.0146%1,745
Retained earnings to average equity (ytd only)9.1930%918
Net charge-offs to loans-0.0121%4,140
Credit loss provision to net charge-offs-1,153.8462%3,582
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0470%1,808
Assets per employee ($millions)3.3042%4,636
Cash dividends to net income (ytd only)*8.2034%2,509
Condition Ratios (%)
Loss allowance to loans1.0425%3,481
Loan loss allowance to noncurrent loans41.8810%4,222
Noncurrent assets plus other real estate owned to assets2.3804%302
Noncurrent loans to loans2.4891%487
Net loans and leases to total assets87.2039%89
Net loans and leases to deposits97.7691%744
Net loans and leases to core deposits98.4268%1,595
Total domestic deposits to total assets89.1938%586
Equity capital to assets10.2458%3,562
Core capital (leverage) ratio9.8854%3,568
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.7811%3,356
Memoranda:
Average total assets$488,531,0001,493
Average earning assets$450,416,0001,492
Average equity$48,689,0001,703
Average total loans$430,711,5001,222
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7470%364
Cost of funding earning assets0.3187%4,687
Net interest margin5.4283%128
Noninterest income to average assets0.7286%1,710
Noninterest expense to average assets4.1644%439
Loan and lease loss provision to assets0.2408%779
Net operating income to assets1.0018%2,843
Return on assets (ROA)1.0018%2,926
Pretax return on assets1.2740%2,598
Return on Equity (ROE)10.2994%2,159
Retained earnings to average equity (ytd only)7.9633%993
Net charge-offs to loans0.0992%1,733
Credit loss provision to net charge-offs297.0822%942
Earnings coverage of net charge-offs (x)18.6897%2,046
Efficiency ratio72.6615%1,777
Assets per employee ($millions)3.3425%4,614
Cash dividends to net income (ytd only)*22.6824%3,387
Condition Ratios (%)
Loss allowance to loans0.9917%3,566
Loan loss allowance to noncurrent loans36.2547%4,334
Noncurrent assets plus other real estate owned to assets2.6067%239
Noncurrent loans to loans2.7353%379
Net loans and leases to total assets87.3314%107
Net loans and leases to deposits97.4012%807
Net loans and leases to core deposits98.0433%1,720
Total domestic deposits to total assets89.6615%444
Equity capital to assets9.6902%4,187
Core capital (leverage) ratio9.4524%4,109
Tier 1 risk-based capital ratio9.3965%5,159
Total risk-based capital ratio10.2890%5,162
Memoranda:
Average total assets$465,159,8001,509
Average earning assets$424,221,4001,527
Average equity$45,245,2001,752
Average total loans$379,867,8001,325
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7695%371
Cost of funding earning assets0.3216%4,744
Net interest margin5.4479%131
Noninterest income to average assets0.7163%1,720
Noninterest expense to average assets4.1629%431
Loan and lease loss provision to assets0.2965%501
Net operating income to assets0.9466%3,181
Return on assets (ROA)0.9466%3,255
Pretax return on assets1.2059%2,964
Return on Equity (ROE)9.7221%2,551
Retained earnings to average equity (ytd only)8.4531%1,223
Net charge-offs to loans0.1357%1,184
Credit loss provision to net charge-offs273.4584%1,017
Earnings coverage of net charge-offs (x)13.8552%2,267
Efficiency ratio73.0590%1,693
Assets per employee ($millions)3.3524%4,626
Cash dividends to net income (ytd only)*13.0528%3,282
Condition Ratios (%)
Loss allowance to loans1.0358%3,366
Loan loss allowance to noncurrent loans34.8656%4,429
Noncurrent assets plus other real estate owned to assets2.6940%227
Noncurrent loans to loans2.9707%337
Net loans and leases to total assets83.1684%432
Net loans and leases to deposits92.8600%1,333
Net loans and leases to core deposits93.4707%2,225
Total domestic deposits to total assets89.5633%426
Equity capital to assets9.7239%4,271
Core capital (leverage) ratio9.3489%4,329
Tier 1 risk-based capital ratio9.7181%5,217
Total risk-based capital ratio10.6358%5,227
Memoranda:
Average total assets$458,612,2501,533
Average earning assets$416,618,2501,565
Average equity$44,653,2501,772
Average total loans$366,484,5001,377
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7319%375
Cost of funding earning assets0.2766%4,883
Net interest margin5.4553%135
Noninterest income to average assets0.6774%1,802
Noninterest expense to average assets4.1920%419
Loan and lease loss provision to assets0.3862%320
Net operating income to assets0.8647%3,414
Return on assets (ROA)0.8647%3,479
Pretax return on assets1.0631%3,344
Return on Equity (ROE)8.8767%2,907
Retained earnings to average equity (ytd only)6.9400%1,837
Net charge-offs to loans0.1890%878
Credit loss provision to net charge-offs260.4790%989
Earnings coverage of net charge-offs (x)9.7754%2,317
Efficiency ratio73.6722%1,676
Assets per employee ($millions)3.3291%4,677
Cash dividends to net income (ytd only)*21.8172%2,961
Condition Ratios (%)
Loss allowance to loans1.0546%3,311
Loan loss allowance to noncurrent loans32.9734%4,511
Noncurrent assets plus other real estate owned to assets2.8558%224
Noncurrent loans to loans3.1985%301
Net loans and leases to total assets81.7866%642
Net loans and leases to deposits90.9967%1,630
Net loans and leases to core deposits91.6073%2,450
Total domestic deposits to total assets89.8786%367
Equity capital to assets9.5439%4,364
Core capital (leverage) ratio9.6261%4,003
Tier 1 risk-based capital ratio9.6906%5,259
Total risk-based capital ratio10.6277%5,271
Memoranda:
Average total assets$450,567,3301,564
Average earning assets$409,984,0001,593
Average equity$43,890,3301,796
Average total loans$353,414,3301,419
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8486%282
Cost of funding earning assets0.2762%4,915
Net interest margin5.5724%105
Noninterest income to average assets0.6084%2,010
Noninterest expense to average assets4.1945%406
Loan and lease loss provision to assets0.1088%1,635
Net operating income to assets1.0908%2,507
Return on assets (ROA)1.0908%2,551
Pretax return on assets1.3719%2,183
Return on Equity (ROE)11.0784%1,915
Retained earnings to average equity (ytd only)7.1646%1,976
Net charge-offs to loans-0.3094%5,219
Credit loss provision to net charge-offs-46.1538%3,482
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3664%1,831
Assets per employee ($millions)3.7422%4,286
Cash dividends to net income (ytd only)*35.3283%2,062
Condition Ratios (%)
Loss allowance to loans1.1440%2,890
Loan loss allowance to noncurrent loans79.3868%3,703
Noncurrent assets plus other real estate owned to assets1.4541%838
Noncurrent loans to loans1.4411%1,121
Net loans and leases to total assets72.7090%2,043
Net loans and leases to deposits80.7053%2,761
Net loans and leases to core deposits81.2453%3,246
Total domestic deposits to total assets90.0920%417
Equity capital to assets9.3793%4,358
Core capital (leverage) ratio9.3989%4,255
Tier 1 risk-based capital ratio10.6963%5,113
Total risk-based capital ratio11.7099%5,100
Memoranda:
Average total assets$441,150,5001,596
Average earning assets$401,123,0001,629
Average equity$43,436,0001,801
Average total loans$336,122,0001,493
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4815%419
Cost of funding earning assets0.2268%4,899
Net interest margin5.2547%173
Noninterest income to average assets0.6765%1,940
Noninterest expense to average assets3.7920%692
Loan and lease loss provision to assets0.3212%497
Net operating income to assets1.0651%2,737
Return on assets (ROA)1.0651%2,720
Pretax return on assets1.3601%2,271
Return on Equity (ROE)10.3563%2,366
Retained earnings to average equity (ytd only)6.2484%2,064
Net charge-offs to loans0.3260%592
Credit loss provision to net charge-offs122.4105%2,131
Earnings coverage of net charge-offs (x)6.4077%3,092
Efficiency ratio69.1374%2,358
Assets per employee ($millions)3.5129%4,535
Cash dividends to net income (ytd only)*39.6660%2,538
Condition Ratios (%)
Loss allowance to loans1.0835%3,204
Loan loss allowance to noncurrent loans70.1657%3,921
Noncurrent assets plus other real estate owned to assets1.6674%652
Noncurrent loans to loans1.5442%969
Net loans and leases to total assets78.3153%1,224
Net loans and leases to deposits88.1654%2,024
Net loans and leases to core deposits88.7613%2,675
Total domestic deposits to total assets88.8278%936
Equity capital to assets10.3728%3,306
Core capital (leverage) ratio10.3609%3,189
Tier 1 risk-based capital ratio11.3427%4,799
Total risk-based capital ratio12.3049%4,843
Memoranda:
Average total assets$404,749,8001,696
Average earning assets$369,478,2001,725
Average equity$41,626,8001,795
Average total loans$325,724,8001,496
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4382%412
Cost of funding earning assets0.2192%4,945
Net interest margin5.2189%176
Noninterest income to average assets0.6794%1,943
Noninterest expense to average assets3.8242%649
Loan and lease loss provision to assets0.2817%536
Net operating income to assets1.0300%2,963
Return on assets (ROA)1.0300%2,975
Pretax return on assets1.3465%2,442
Return on Equity (ROE)10.0375%2,605
Retained earnings to average equity (ytd only)7.7639%1,764
Net charge-offs to loans0.0041%3,314
Credit loss provision to net charge-offs8,500.0000%43
Earnings coverage of net charge-offs (x)491.4104%191
Efficiency ratio69.9915%2,188
Assets per employee ($millions)3.4015%4,683
Cash dividends to net income (ytd only)*22.6511%2,894
Condition Ratios (%)
Loss allowance to loans1.2677%2,269
Loan loss allowance to noncurrent loans44.3142%4,508
Noncurrent assets plus other real estate owned to assets2.7972%284
Noncurrent loans to loans2.8607%402
Net loans and leases to total assets80.6815%914
Net loans and leases to deposits90.9924%1,756
Net loans and leases to core deposits91.6797%2,512
Total domestic deposits to total assets88.6684%970
Equity capital to assets10.6360%3,008
Core capital (leverage) ratio10.4845%3,100
Tier 1 risk-based capital ratio11.3381%4,879
Total risk-based capital ratio12.4673%4,839
Memoranda:
Average total assets$402,305,2501,710
Average earning assets$367,933,2501,738
Average equity$41,284,0001,811
Average total loans$325,107,2501,506
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3003%470
Cost of funding earning assets0.2147%4,949
Net interest margin5.0855%215
Noninterest income to average assets0.7109%1,830
Noninterest expense to average assets3.7515%712
Loan and lease loss provision to assets0.4222%284
Net operating income to assets0.8942%3,481
Return on assets (ROA)0.8942%3,491
Pretax return on assets1.1957%2,960
Return on Equity (ROE)8.8202%3,105
Retained earnings to average equity (ytd only)5.3705%2,894
Net charge-offs to loans-0.0105%4,336
Credit loss provision to net charge-offs-5,000.0000%4,750
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.7197%2,364
Assets per employee ($millions)3.4204%4,695
Cash dividends to net income (ytd only)*39.1111%2,177
Condition Ratios (%)
Loss allowance to loans1.2539%2,412
Loan loss allowance to noncurrent loans51.8973%4,389
Noncurrent assets plus other real estate owned to assets2.4828%354
Noncurrent loans to loans2.4161%546
Net loans and leases to total assets82.3565%671
Net loans and leases to deposits92.5186%1,519
Net loans and leases to core deposits93.2149%2,292
Total domestic deposits to total assets89.0161%926
Equity capital to assets10.3549%3,273
Core capital (leverage) ratio10.2864%3,251
Tier 1 risk-based capital ratio10.9842%5,060
Total risk-based capital ratio12.1191%5,012
Memoranda:
Average total assets$402,616,3301,715
Average earning assets$368,809,6701,740
Average equity$40,815,3301,831
Average total loans$324,146,0001,504
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1850%502
Cost of funding earning assets0.2042%4,993
Net interest margin4.9808%234
Noninterest income to average assets0.6745%1,937
Noninterest expense to average assets3.8046%676
Loan and lease loss provision to assets0.2972%437
Net operating income to assets0.8350%3,576
Return on assets (ROA)0.8350%3,590
Pretax return on assets1.1391%3,005
Return on Equity (ROE)8.3252%3,232
Retained earnings to average equity (ytd only)1.8665%4,395
Net charge-offs to loans-0.0363%4,827
Credit loss provision to net charge-offs-1,034.4828%4,178
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.4438%2,128
Assets per employee ($millions)3.3616%4,834
Cash dividends to net income (ytd only)*77.5801%877
Condition Ratios (%)
Loss allowance to loans1.1523%3,078
Loan loss allowance to noncurrent loans48.6851%4,475
Noncurrent assets plus other real estate owned to assets2.3806%408
Noncurrent loans to loans2.3669%598
Net loans and leases to total assets79.5401%1,007
Net loans and leases to deposits89.4074%1,760
Net loans and leases to core deposits97.2111%1,890
Total domestic deposits to total assets88.9637%1,108
Equity capital to assets10.3079%3,271
Core capital (leverage) ratio10.1526%3,352
Tier 1 risk-based capital ratio11.1704%5,044
Total risk-based capital ratio12.2015%5,061
Memoranda:
Average total assets$403,831,0001,716
Average earning assets$370,224,0001,740
Average equity$40,503,5001,850
Average total loans$319,336,5001,523
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3113%357
Cost of funding earning assets0.1885%5,035
Net interest margin5.1228%187
Noninterest income to average assets0.6142%2,383
Noninterest expense to average assets3.6952%800
Loan and lease loss provision to assets0.1521%1,482
Net operating income to assets0.8624%2,907
Return on assets (ROA)0.8624%2,927
Pretax return on assets1.4300%1,883
Return on Equity (ROE)8.5433%2,523
Retained earnings to average equity (ytd only)5.1883%2,012
Net charge-offs to loans0.2345%1,105
Credit loss provision to net charge-offs80.3213%2,938
Earnings coverage of net charge-offs (x)8.3548%2,924
Efficiency ratio69.8674%2,575
Assets per employee ($millions)3.5415%4,647
Cash dividends to net income (ytd only)*39.2710%2,894
Condition Ratios (%)
Loss allowance to loans1.0298%3,747
Loan loss allowance to noncurrent loans38.3229%4,729
Noncurrent assets plus other real estate owned to assets2.5413%366
Noncurrent loans to loans2.6873%463
Net loans and leases to total assets76.9561%1,441
Net loans and leases to deposits86.0332%2,256
Net loans and leases to core deposits96.9383%1,951
Total domestic deposits to total assets89.4493%797
Equity capital to assets9.7659%3,949
Core capital (leverage) ratio9.8975%3,587
Tier 1 risk-based capital ratio11.1932%5,039
Total risk-based capital ratio12.1302%5,107
Memoranda:
Average total assets$394,483,4001,725
Average earning assets$359,080,6001,756
Average equity$39,820,6001,866
Average total loans$318,509,8001,488
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3079%336
Cost of funding earning assets0.1804%5,136
Net interest margin5.1275%183
Noninterest income to average assets0.6199%2,363
Noninterest expense to average assets3.7283%744
Loan and lease loss provision to assets0.1711%1,178
Net operating income to assets0.8879%3,084
Return on assets (ROA)0.8879%3,139
Pretax return on assets1.3702%2,218
Return on Equity (ROE)8.7207%2,755
Retained earnings to average equity (ytd only)7.4264%1,474
Net charge-offs to loans-0.0701%5,279
Credit loss provision to net charge-offs-299.4012%4,698
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5943%2,438
Assets per employee ($millions)3.4789%4,755
Cash dividends to net income (ytd only)*14.8419%3,332
Condition Ratios (%)
Loss allowance to loans1.2479%2,654
Loan loss allowance to noncurrent loans34.6761%4,864
Noncurrent assets plus other real estate owned to assets3.2063%270
Noncurrent loans to loans3.5986%299
Net loans and leases to total assets81.0284%836
Net loans and leases to deposits90.9960%1,689
Net loans and leases to core deposits101.9006%1,553
Total domestic deposits to total assets89.0461%859
Equity capital to assets10.0707%3,832
Core capital (leverage) ratio10.1675%3,356
Tier 1 risk-based capital ratio10.8279%5,331
Total risk-based capital ratio11.9574%5,295
Memoranda:
Average total assets$389,516,2501,766
Average earning assets$353,226,2501,798
Average equity$39,659,5001,890
Average total loans$317,590,5001,496
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2408%365
Cost of funding earning assets0.1737%5,181
Net interest margin5.0671%197
Noninterest income to average assets0.6086%2,415
Noninterest expense to average assets3.7450%721
Loan and lease loss provision to assets0.1039%1,948
Net operating income to assets0.8866%2,980
Return on assets (ROA)0.8866%3,040
Pretax return on assets1.3528%2,198
Return on Equity (ROE)8.6748%2,681
Retained earnings to average equity (ytd only)6.7171%1,731
Net charge-offs to loans-0.2696%5,622
Credit loss provision to net charge-offs-47.3934%4,284
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.8353%2,370
Assets per employee ($millions)3.3531%4,919
Cash dividends to net income (ytd only)*22.5674%3,022
Condition Ratios (%)
Loss allowance to loans1.2539%2,667
Loan loss allowance to noncurrent loans29.6848%4,975
Noncurrent assets plus other real estate owned to assets3.7382%196
Noncurrent loans to loans4.2241%215
Net loans and leases to total assets81.3445%765
Net loans and leases to deposits91.2714%1,574
Net loans and leases to core deposits102.2349%1,490
Total domestic deposits to total assets89.1237%902
Equity capital to assets10.1135%3,778
Core capital (leverage) ratio10.3217%3,116
Tier 1 risk-based capital ratio11.0810%5,207
Total risk-based capital ratio12.2281%5,163
Memoranda:
Average total assets$384,836,6701,786
Average earning assets$348,840,0001,820
Average equity$39,332,3301,901
Average total loans$313,078,6701,519
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2139%373
Cost of funding earning assets0.1647%5,269
Net interest margin5.0492%207
Noninterest income to average assets0.6041%2,392
Noninterest expense to average assets3.8174%666
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9204%2,664
Return on assets (ROA)0.9204%2,718
Pretax return on assets1.4074%1,864
Return on Equity (ROE)8.9560%2,445
Retained earnings to average equity (ytd only)7.0581%1,827
Net charge-offs to loans-0.1565%5,574
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9015%2,422
Assets per employee ($millions)3.1927%5,172
Cash dividends to net income (ytd only)*21.1913%2,506
Condition Ratios (%)
Loss allowance to loans1.1656%3,333
Loan loss allowance to noncurrent loans45.5527%4,745
Noncurrent assets plus other real estate owned to assets2.3605%512
Noncurrent loans to loans2.5587%603
Net loans and leases to total assets80.6900%736
Net loans and leases to deposits90.9009%1,437
Net loans and leases to core deposits97.6954%1,682
Total domestic deposits to total assets88.7670%1,282
Equity capital to assets10.4404%3,248
Core capital (leverage) ratio10.2945%3,118
Tier 1 risk-based capital ratio11.5061%5,022
Total risk-based capital ratio12.5836%5,029
Memoranda:
Average total assets$379,420,5001,818
Average earning assets$347,225,0001,839
Average equity$38,990,5001,919
Average total loans$306,647,0001,549
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3674%314
Cost of funding earning assets0.1945%5,069
Net interest margin5.1730%177
Noninterest income to average assets0.6104%2,610
Noninterest expense to average assets3.7494%826
Loan and lease loss provision to assets0.0963%2,440
Net operating income to assets1.0187%2,267
Return on assets (ROA)1.0187%2,370
Pretax return on assets1.5009%1,579
Return on Equity (ROE)9.8101%2,048
Retained earnings to average equity (ytd only)6.0207%1,691
Net charge-offs to loans0.0320%3,384
Credit loss provision to net charge-offs372.3404%841
Earnings coverage of net charge-offs (x)61.7447%869
Efficiency ratio69.8286%2,929
Assets per employee ($millions)3.3518%4,977
Cash dividends to net income (ytd only)*38.6278%2,924
Condition Ratios (%)
Loss allowance to loans1.1334%3,526
Loan loss allowance to noncurrent loans39.4827%4,897
Noncurrent assets plus other real estate owned to assets2.5645%458
Noncurrent loans to loans2.8706%490
Net loans and leases to total assets79.1028%1,029
Net loans and leases to deposits88.8389%1,826
Net loans and leases to core deposits95.6028%1,955
Total domestic deposits to total assets89.0407%1,097
Equity capital to assets10.1146%3,589
Core capital (leverage) ratio9.9248%3,598
Tier 1 risk-based capital ratio11.4547%5,081
Total risk-based capital ratio12.5095%5,091
Memoranda:
Average total assets$363,392,0001,837
Average earning assets$332,710,2001,859
Average equity$37,736,6001,937
Average total loans$294,199,0001,545
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3909%300
Cost of funding earning assets0.1996%5,074
Net interest margin5.1913%174
Noninterest income to average assets0.6159%2,586
Noninterest expense to average assets3.7964%749
Loan and lease loss provision to assets0.1301%1,802
Net operating income to assets0.9571%2,622
Return on assets (ROA)0.9571%2,765
Pretax return on assets1.4455%1,896
Return on Equity (ROE)9.1532%2,421
Retained earnings to average equity (ytd only)7.9091%1,214
Net charge-offs to loans-0.2023%5,767
Credit loss provision to net charge-offs-79.1855%4,729
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6359%2,802
Assets per employee ($millions)3.2701%5,082
Cash dividends to net income (ytd only)*13.5924%3,457
Condition Ratios (%)
Loss allowance to loans1.3544%2,415
Loan loss allowance to noncurrent loans46.5774%4,835
Noncurrent assets plus other real estate owned to assets2.5658%524
Noncurrent loans to loans2.9079%537
Net loans and leases to total assets77.4876%1,284
Net loans and leases to deposits87.1117%2,128
Net loans and leases to core deposits96.7213%1,920
Total domestic deposits to total assets88.9520%931
Equity capital to assets10.2829%3,824
Core capital (leverage) ratio10.1164%3,418
Tier 1 risk-based capital ratio11.7954%4,922
Total risk-based capital ratio13.0462%4,817
Memoranda:
Average total assets$358,714,2501,865
Average earning assets$328,644,0001,883
Average equity$37,508,7501,967
Average total loans$291,319,0001,561
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4524%272
Cost of funding earning assets0.2001%5,144
Net interest margin5.2523%158
Noninterest income to average assets0.6466%2,384
Noninterest expense to average assets3.8353%734
Loan and lease loss provision to assets0.0283%3,558
Net operating income to assets1.0008%2,397
Return on assets (ROA)1.0008%2,531
Pretax return on assets1.5884%1,404
Return on Equity (ROE)9.5147%2,267
Retained earnings to average equity (ytd only)7.6290%1,324
Net charge-offs to loans0.0055%3,508
Credit loss provision to net charge-offs625.0000%544
Earnings coverage of net charge-offs (x)356.6250%197
Efficiency ratio70.3149%2,932
Assets per employee ($millions)3.1208%5,302
Cash dividends to net income (ytd only)*19.8188%3,205
Condition Ratios (%)
Loss allowance to loans1.0984%3,951
Loan loss allowance to noncurrent loans42.8251%4,989
Noncurrent assets plus other real estate owned to assets2.4742%563
Noncurrent loans to loans2.5648%664
Net loans and leases to total assets83.7254%445
Net loans and leases to deposits94.6281%1,226
Net loans and leases to core deposits98.3661%1,775
Total domestic deposits to total assets88.4784%1,177
Equity capital to assets10.8409%3,243
Core capital (leverage) ratio10.5645%2,887
Tier 1 risk-based capital ratio11.9570%4,852
Total risk-based capital ratio13.0111%4,878
Memoranda:
Average total assets$352,932,3301,896
Average earning assets$322,905,0001,914
Average equity$37,121,6701,990
Average total loans$289,958,3301,572
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3470%324
Cost of funding earning assets0.1973%5,229
Net interest margin5.1497%189
Noninterest income to average assets0.6407%2,316
Noninterest expense to average assets3.8214%750
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.9802%2,367
Return on assets (ROA)0.9802%2,485
Pretax return on assets1.5295%1,506
Return on Equity (ROE)9.4620%2,211
Retained earnings to average equity (ytd only)5.6511%2,558
Net charge-offs to loans0.0098%2,796
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)193.7143%309
Efficiency ratio71.3744%2,888
Assets per employee ($millions)3.1417%5,353
Cash dividends to net income (ytd only)*40.2762%2,063
Condition Ratios (%)
Loss allowance to loans1.1147%3,967
Loan loss allowance to noncurrent loans42.4331%5,016
Noncurrent assets plus other real estate owned to assets2.4455%619
Noncurrent loans to loans2.6270%689
Net loans and leases to total assets80.7243%715
Net loans and leases to deposits90.7697%1,489
Net loans and leases to core deposits93.8287%2,007
Total domestic deposits to total assets88.9330%1,138
Equity capital to assets10.5153%3,474
Core capital (leverage) ratio10.3079%3,187
Tier 1 risk-based capital ratio12.0604%4,878
Total risk-based capital ratio13.1375%4,892
Memoranda:
Average total assets$354,635,0001,889
Average earning assets$324,371,0001,912
Average equity$36,736,5002,002
Average total loans$286,991,0001,581
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6514%214
Cost of funding earning assets0.2271%5,035
Net interest margin5.4243%139
Noninterest income to average assets0.6569%2,424
Noninterest expense to average assets3.8761%782
Loan and lease loss provision to assets0.2121%982
Net operating income to assets1.0249%2,236
Return on assets (ROA)1.0249%2,316
Pretax return on assets1.5154%1,510
Return on Equity (ROE)10.1143%1,968
Retained earnings to average equity (ytd only)7.6479%1,045
Net charge-offs to loans0.5184%493
Credit loss provision to net charge-offs50.0000%3,400
Earnings coverage of net charge-offs (x)4.0718%3,614
Efficiency ratio69.1451%3,374
Assets per employee ($millions)3.2198%5,273
Cash dividends to net income (ytd only)*24.3854%3,599
Condition Ratios (%)
Loss allowance to loans1.1191%3,935
Loan loss allowance to noncurrent loans42.1129%5,055
Noncurrent assets plus other real estate owned to assets2.4284%647
Noncurrent loans to loans2.6575%668
Net loans and leases to total assets79.3303%944
Net loans and leases to deposits89.0430%1,739
Net loans and leases to core deposits91.8396%2,240
Total domestic deposits to total assets89.0921%1,071
Equity capital to assets10.2050%3,742
Core capital (leverage) ratio10.1124%3,370
Tier 1 risk-based capital ratio11.9191%5,010
Total risk-based capital ratio12.9981%5,024
Memoranda:
Average total assets$341,294,2001,914
Average earning assets$311,250,2001,949
Average equity$34,584,8002,061
Average total loans$279,310,6001,568
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5951%229
Cost of funding earning assets0.2356%5,035
Net interest margin5.3596%156
Noninterest income to average assets0.6349%2,557
Noninterest expense to average assets3.8702%769
Loan and lease loss provision to assets0.2862%542
Net operating income to assets0.9274%2,818
Return on assets (ROA)0.9274%2,905
Pretax return on assets1.3627%2,169
Return on Equity (ROE)9.1694%2,485
Retained earnings to average equity (ytd only)9.1694%845
Net charge-offs to loans0.6973%306
Credit loss provision to net charge-offs49.8966%3,038
Earnings coverage of net charge-offs (x)2.8746%3,590
Efficiency ratio70.1024%3,191
Assets per employee ($millions)3.0696%5,464
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.1235%4,093
Loan loss allowance to noncurrent loans38.5800%5,250
Noncurrent assets plus other real estate owned to assets2.7497%583
Noncurrent loans to loans2.9123%623
Net loans and leases to total assets82.8043%496
Net loans and leases to deposits93.3623%1,273
Net loans and leases to core deposits99.5273%1,555
Total domestic deposits to total assets88.6914%1,181
Equity capital to assets10.6198%3,450
Core capital (leverage) ratio10.1852%3,390
Tier 1 risk-based capital ratio11.8927%5,143
Total risk-based capital ratio12.9776%5,167
Memoranda:
Average total assets$337,267,0001,952
Average earning assets$307,354,7501,995
Average equity$34,112,7502,096
Average total loans$277,453,7501,580
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4489%292
Cost of funding earning assets0.2440%5,008
Net interest margin5.2049%182
Noninterest income to average assets0.6325%2,567
Noninterest expense to average assets3.7505%929
Loan and lease loss provision to assets0.3231%435
Net operating income to assets0.8955%2,899
Return on assets (ROA)0.8955%3,025
Pretax return on assets1.3055%2,342
Return on Equity (ROE)9.0060%2,543
Retained earnings to average equity (ytd only)9.0060%925
Net charge-offs to loans1.0545%192
Credit loss provision to net charge-offs37.4741%2,848
Earnings coverage of net charge-offs (x)1.8889%3,434
Efficiency ratio69.7013%3,382
Assets per employee ($millions)3.0897%5,486
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.0305%4,711
Loan loss allowance to noncurrent loans36.1303%5,357
Noncurrent assets plus other real estate owned to assets2.7907%630
Noncurrent loans to loans2.8520%719
Net loans and leases to total assets84.7710%316
Net loans and leases to deposits95.1497%1,036
Net loans and leases to core deposits104.5675%1,155
Total domestic deposits to total assets89.0922%1,106
Equity capital to assets10.3030%3,688
Core capital (leverage) ratio10.1986%3,338
Tier 1 risk-based capital ratio11.2049%5,616
Total risk-based capital ratio12.1942%5,653
Memoranda:
Average total assets$336,112,3301,975
Average earning assets$306,518,6702,004
Average equity$33,422,0002,141
Average total loans$274,823,0001,602
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0567%522
Cost of funding earning assets0.2677%4,821
Net interest margin4.7890%360
Noninterest income to average assets0.5915%2,692
Noninterest expense to average assets3.6731%1,035
Loan and lease loss provision to assets0.3258%421
Net operating income to assets0.7250%3,667
Return on assets (ROA)0.7250%3,804
Pretax return on assets0.9582%3,654
Return on Equity (ROE)7.4294%3,256
Retained earnings to average equity (ytd only)7.4294%1,796
Net charge-offs to loans2.1752%78
Credit loss provision to net charge-offs18.7803%2,371
Earnings coverage of net charge-offs (x)0.7401%3,017
Efficiency ratio74.0965%2,803
Assets per employee ($millions)3.2051%5,406
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.9993%5,031
Loan loss allowance to noncurrent loans29.1535%5,562
Noncurrent assets plus other real estate owned to assets3.1686%565
Noncurrent loans to loans3.4277%568
Net loans and leases to total assets80.5423%630
Net loans and leases to deposits90.1019%1,378
Net loans and leases to core deposits92.8685%1,866
Total domestic deposits to total assets89.3902%1,053
Equity capital to assets10.1456%3,951
Core capital (leverage) ratio9.6374%4,102
Tier 1 risk-based capital ratio10.9544%5,825
Total risk-based capital ratio11.8692%5,899
Memoranda:
Average total assets$332,690,0002,001
Average earning assets$303,280,5002,034
Average equity$32,465,5002,210
Average total loans$265,357,0001,653
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3893%387
Cost of funding earning assets0.2495%5,324
Net interest margin5.1398%231
Noninterest income to average assets0.6691%2,454
Noninterest expense to average assets3.6933%1,168
Loan and lease loss provision to assets0.4200%411
Net operating income to assets0.8578%3,072
Return on assets (ROA)0.8578%3,171
Pretax return on assets1.2478%2,452
Return on Equity (ROE)8.7733%2,693
Retained earnings to average equity (ytd only)6.4172%1,701
Net charge-offs to loans0.3854%1,108
Credit loss provision to net charge-offs134.4364%1,760
Earnings coverage of net charge-offs (x)5.3382%3,447
Efficiency ratio68.8905%3,737
Assets per employee ($millions)3.1615%5,490
Cash dividends to net income (ytd only)*26.8550%3,517
Condition Ratios (%)
Loss allowance to loans1.5465%2,271
Loan loss allowance to noncurrent loans32.9204%5,574
Noncurrent assets plus other real estate owned to assets3.7695%469
Noncurrent loans to loans4.6977%339
Net loans and leases to total assets76.8900%1,144
Net loans and leases to deposits85.2876%2,063
Net loans and leases to core deposits94.2239%1,900
Total domestic deposits to total assets90.1538%671
Equity capital to assets9.3546%4,906
Core capital (leverage) ratio9.3590%4,455
Tier 1 risk-based capital ratio11.7166%5,537
Total risk-based capital ratio12.9700%5,442
Memoranda:
Average total assets$309,507,8002,101
Average earning assets$282,541,0002,106
Average equity$30,262,4002,252
Average total loans$250,888,2001,683
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4660%333
Cost of funding earning assets0.2580%5,328
Net interest margin5.2080%202
Noninterest income to average assets0.6735%2,461
Noninterest expense to average assets3.7602%1,025
Loan and lease loss provision to assets0.3143%603
Net operating income to assets0.9144%2,841
Return on assets (ROA)0.9144%2,946
Pretax return on assets1.3482%2,203
Return on Equity (ROE)9.2454%2,569
Retained earnings to average equity (ytd only)9.2454%914
Net charge-offs to loans0.5034%767
Credit loss provision to net charge-offs76.2712%2,664
Earnings coverage of net charge-offs (x)4.0349%3,544
Efficiency ratio69.3416%3,620
Assets per employee ($millions)2.9860%5,740
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.3144%3,575
Loan loss allowance to noncurrent loans37.2162%5,529
Noncurrent assets plus other real estate owned to assets3.0721%757
Noncurrent loans to loans3.5319%670
Net loans and leases to total assets81.6436%548
Net loans and leases to deposits91.1531%1,304
Net loans and leases to core deposits100.8862%1,300
Total domestic deposits to total assets89.5676%953
Equity capital to assets9.8525%4,350
Core capital (leverage) ratio9.9372%3,762
Tier 1 risk-based capital ratio11.5877%5,748
Total risk-based capital ratio12.8382%5,660
Memoranda:
Average total assets$305,475,2502,140
Average earning assets$278,562,7502,154
Average equity$30,212,5002,271
Average total loans$250,031,2501,701
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4584%333
Cost of funding earning assets0.2616%5,369
Net interest margin5.1968%201
Noninterest income to average assets0.6682%2,437
Noninterest expense to average assets3.7250%1,088
Loan and lease loss provision to assets0.3160%608
Net operating income to assets0.9019%2,787
Return on assets (ROA)0.9019%2,891
Pretax return on assets1.3746%1,988
Return on Equity (ROE)9.1076%2,542
Retained earnings to average equity (ytd only)9.1076%954
Net charge-offs to loans0.7250%525
Credit loss provision to net charge-offs53.4521%2,747
Earnings coverage of net charge-offs (x)2.8597%3,447
Efficiency ratio68.7819%3,865
Assets per employee ($millions)2.9860%5,769
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.2248%4,310
Loan loss allowance to noncurrent loans75.2543%4,338
Noncurrent assets plus other real estate owned to assets1.4836%2,200
Noncurrent loans to loans1.6275%2,137
Net loans and leases to total assets83.4099%344
Net loans and leases to deposits96.1566%792
Net loans and leases to core deposits107.0068%832
Total domestic deposits to total assets86.7439%2,607
Equity capital to assets9.7040%4,485
Core capital (leverage) ratio9.8320%3,843
Tier 1 risk-based capital ratio11.3352%5,884
Total risk-based capital ratio12.5567%5,845
Memoranda:
Average total assets$303,786,6702,145
Average earning assets$277,515,6702,161
Average equity$30,084,6702,273
Average total loans$247,737,0001,709
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3220%397
Cost of funding earning assets0.2672%5,415
Net interest margin5.0549%241
Noninterest income to average assets0.6784%2,297
Noninterest expense to average assets3.7986%983
Loan and lease loss provision to assets0.3180%581
Net operating income to assets0.8228%3,043
Return on assets (ROA)0.8228%3,115
Pretax return on assets1.1991%2,487
Return on Equity (ROE)8.2241%2,828
Retained earnings to average equity (ytd only)8.2241%1,521
Net charge-offs to loans-0.0248%5,460
Credit loss provision to net charge-offs-1,600.0000%5,435
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4606%3,589
Assets per employee ($millions)2.9892%5,874
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.6058%2,673
Loan loss allowance to noncurrent loans76.1707%4,289
Noncurrent assets plus other real estate owned to assets1.6973%2,081
Noncurrent loans to loans2.1081%1,742
Net loans and leases to total assets77.4726%823
Net loans and leases to deposits86.7576%1,499
Net loans and leases to core deposits94.8468%1,480
Total domestic deposits to total assets89.2978%1,473
Equity capital to assets10.0157%3,823
Core capital (leverage) ratio10.0324%3,526
Tier 1 risk-based capital ratio12.3750%5,389
Total risk-based capital ratio13.6289%5,326
Memoranda:
Average total assets$301,898,5002,166
Average earning assets$276,961,0002,171
Average equity$30,204,0002,262
Average total loans$241,746,0001,745
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6950%269
Cost of funding earning assets0.3052%5,556
Net interest margin5.3898%159
Noninterest income to average assets0.6114%3,018
Noninterest expense to average assets3.7210%1,253
Loan and lease loss provision to assets0.4147%714
Net operating income to assets0.9888%2,373
Return on assets (ROA)0.9888%2,444
Pretax return on assets1.4456%1,636
Return on Equity (ROE)9.7337%2,223
Retained earnings to average equity (ytd only)7.7093%1,148
Net charge-offs to loans0.0324%4,788
Credit loss provision to net charge-offs1,571.4286%156
Earnings coverage of net charge-offs (x)70.4935%605
Efficiency ratio65.8643%4,589
Assets per employee ($millions)2.9594%5,896
Cash dividends to net income (ytd only)*20.7972%3,689
Condition Ratios (%)
Loss allowance to loans1.4789%3,289
Loan loss allowance to noncurrent loans76.6937%4,280
Noncurrent assets plus other real estate owned to assets1.6086%2,307
Noncurrent loans to loans1.9283%2,079
Net loans and leases to total assets80.2360%574
Net loans and leases to deposits90.0865%1,235
Net loans and leases to core deposits98.1180%1,295
Total domestic deposits to total assets89.0655%1,574
Equity capital to assets9.9934%3,781
Core capital (leverage) ratio9.9868%3,596
Tier 1 risk-based capital ratio12.1621%5,521
Total risk-based capital ratio13.4147%5,450
Memoranda:
Average total assets$291,773,8002,198
Average earning assets$269,043,0002,190
Average equity$29,639,4002,275
Average total loans$237,588,6001,746
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7241%269
Cost of funding earning assets0.3133%5,612
Net interest margin5.4109%154
Noninterest income to average assets0.5931%3,189
Noninterest expense to average assets3.7007%1,245
Loan and lease loss provision to assets0.3356%976
Net operating income to assets0.9926%2,404
Return on assets (ROA)0.9926%2,496
Pretax return on assets1.5439%1,485
Return on Equity (ROE)9.7310%2,292
Retained earnings to average equity (ytd only)9.7310%847
Net charge-offs to loans0.0599%4,049
Credit loss provision to net charge-offs688.6792%423
Earnings coverage of net charge-offs (x)38.5660%1,032
Efficiency ratio65.5104%4,572
Assets per employee ($millions)2.8890%6,024
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.2577%4,605
Loan loss allowance to noncurrent loans87.6631%3,826
Noncurrent assets plus other real estate owned to assets1.2352%3,173
Noncurrent loans to loans1.4347%3,011
Net loans and leases to total assets82.3510%340
Net loans and leases to deposits92.5173%944
Net loans and leases to core deposits101.4316%1,029
Total domestic deposits to total assets89.0114%1,545
Equity capital to assets10.1117%3,754
Core capital (leverage) ratio10.2553%3,315
Tier 1 risk-based capital ratio11.7004%5,944
Total risk-based capital ratio12.9281%5,922
Memoranda:
Average total assets$289,993,0002,217
Average earning assets$267,283,2502,209
Average equity$29,581,7502,298
Average total loans$236,130,0001,752
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6339%299
Cost of funding earning assets0.3158%5,707
Net interest margin5.3182%180
Noninterest income to average assets0.4563%4,121
Noninterest expense to average assets3.6584%1,315
Loan and lease loss provision to assets0.3398%996
Net operating income to assets0.8952%2,825
Return on assets (ROA)0.8952%2,969
Pretax return on assets1.3625%2,075
Return on Equity (ROE)8.7496%2,735
Retained earnings to average equity (ytd only)8.7496%1,203
Net charge-offs to loans-0.0017%5,523
Credit loss provision to net charge-offs-24,500.0000%6,300
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3910%4,290
Assets per employee ($millions)2.8404%6,107
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.2003%4,990
Loan loss allowance to noncurrent loans61.2203%4,740
Noncurrent assets plus other real estate owned to assets1.8617%2,328
Noncurrent loans to loans1.9606%2,441
Net loans and leases to total assets84.9305%192
Net loans and leases to deposits96.0709%666
Net loans and leases to core deposits107.1742%678
Total domestic deposits to total assets88.4041%1,982
Equity capital to assets10.1281%3,752
Core capital (leverage) ratio10.0017%3,518
Tier 1 risk-based capital ratio11.6213%6,045
Total risk-based capital ratio12.8259%6,027
Memoranda:
Average total assets$288,431,0002,233
Average earning assets$265,994,6702,222
Average equity$29,510,0002,309
Average total loans$232,919,3301,768
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5471%343
Cost of funding earning assets0.3216%5,792
Net interest margin5.2255%192
Noninterest income to average assets0.1826%6,174
Noninterest expense to average assets3.6652%1,304
Loan and lease loss provision to assets0.3181%1,063
Net operating income to assets0.6625%3,893
Return on assets (ROA)0.6625%4,048
Pretax return on assets1.0083%3,309
Return on Equity (ROE)6.4432%3,796
Retained earnings to average equity (ytd only)6.4432%2,435
Net charge-offs to loans-0.0035%5,214
Credit loss provision to net charge-offs-11,500.0000%5,939
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5132%3,514
Assets per employee ($millions)2.9078%6,137
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.2001%5,174
Loan loss allowance to noncurrent loans55.5693%4,907
Noncurrent assets plus other real estate owned to assets1.8261%2,577
Noncurrent loans to loans2.1596%2,437
Net loans and leases to total assets75.6585%883
Net loans and leases to deposits84.7880%1,500
Net loans and leases to core deposits89.4303%1,762
Total domestic deposits to total assets89.2326%1,535
Equity capital to assets10.1978%3,909
Core capital (leverage) ratio10.0726%3,302
Tier 1 risk-based capital ratio12.8287%5,358
Total risk-based capital ratio14.0104%5,345
Memoranda:
Average total assets$289,204,0002,256
Average earning assets$266,156,5002,244
Average equity$29,737,0002,318
Average total loans$226,072,5001,828
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7297%414
Cost of funding earning assets0.3800%6,053
Net interest margin5.3497%215
Noninterest income to average assets0.7185%2,625
Noninterest expense to average assets3.7047%1,405
Loan and lease loss provision to assets0.4010%1,618
Net operating income to assets1.0150%2,273
Return on assets (ROA)1.0283%2,426
Pretax return on assets1.5161%1,634
Return on Equity (ROE)9.6966%2,318
Retained earnings to average equity (ytd only)8.0106%1,120
Net charge-offs to loans0.5662%2,034
Credit loss provision to net charge-offs89.7858%3,482
Earnings coverage of net charge-offs (x)4.2488%3,428
Efficiency ratio65.1563%4,675
Assets per employee ($millions)2.8759%6,202
Cash dividends to net income (ytd only)*17.3882%3,843
Condition Ratios (%)
Loss allowance to loans1.0856%5,611
Loan loss allowance to noncurrent loans47.3967%5,259
Noncurrent assets plus other real estate owned to assets2.1309%2,298
Noncurrent loans to loans2.2905%2,361
Net loans and leases to total assets78.9474%572
Net loans and leases to deposits88.7531%1,193
Net loans and leases to core deposits93.1409%1,540
Total domestic deposits to total assets88.9518%1,594
Equity capital to assets10.3696%3,670
Core capital (leverage) ratio10.1304%3,234
Tier 1 risk-based capital ratio12.6572%5,357
Total risk-based capital ratio13.7426%5,438
Memoranda:
Average total assets$271,817,0002,327
Average earning assets$248,143,6002,342
Average equity$28,824,4002,335
Average total loans$214,412,8001,889
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7036%460
Cost of funding earning assets0.3915%6,164
Net interest margin5.3121%237
Noninterest income to average assets0.7704%2,376
Noninterest expense to average assets3.6932%1,374
Loan and lease loss provision to assets0.3351%1,952
Net operating income to assets1.0978%2,096
Return on assets (ROA)1.1159%2,235
Pretax return on assets1.6178%1,515
Return on Equity (ROE)10.4618%2,148
Retained earnings to average equity (ytd only)10.4618%796
Net charge-offs to loans0.5265%2,037
Credit loss provision to net charge-offs80.9353%3,591
Earnings coverage of net charge-offs (x)4.6535%3,241
Efficiency ratio64.7381%4,668
Assets per employee ($millions)2.6895%6,500
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.0954%5,735
Loan loss allowance to noncurrent loans38.1311%5,738
Noncurrent assets plus other real estate owned to assets2.6709%1,970
Noncurrent loans to loans2.8726%1,955
Net loans and leases to total assets79.2692%568
Net loans and leases to deposits89.3294%1,222
Net loans and leases to core deposits94.1829%1,569
Total domestic deposits to total assets88.7381%1,572
Equity capital to assets10.6103%3,720
Core capital (leverage) ratio10.5806%2,817
Tier 1 risk-based capital ratio12.9187%5,319
Total risk-based capital ratio14.0146%5,392
Memoranda:
Average total assets$268,592,2502,383
Average earning assets$245,196,2502,400
Average equity$28,649,5002,360
Average total loans$211,205,2501,937
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6053%570
Cost of funding earning assets0.3957%6,286
Net interest margin5.2096%280
Noninterest income to average assets0.7864%2,250
Noninterest expense to average assets3.6917%1,389
Loan and lease loss provision to assets0.3386%1,944
Net operating income to assets1.0588%2,211
Return on assets (ROA)1.0588%2,441
Pretax return on assets1.5110%1,820
Return on Equity (ROE)9.9079%2,395
Retained earnings to average equity (ytd only)9.9079%1,001
Net charge-offs to loans0.6436%1,709
Credit loss provision to net charge-offs67.3653%3,628
Earnings coverage of net charge-offs (x)3.6796%3,304
Efficiency ratio65.6165%4,596
Assets per employee ($millions)2.6879%6,543
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.0912%5,816
Loan loss allowance to noncurrent loans32.3959%6,042
Noncurrent assets plus other real estate owned to assets3.1051%1,757
Noncurrent loans to loans3.3682%1,720
Net loans and leases to total assets80.0279%509
Net loans and leases to deposits90.0955%1,140
Net loans and leases to core deposits95.0673%1,504
Total domestic deposits to total assets88.8256%1,621
Equity capital to assets10.6624%3,497
Core capital (leverage) ratio10.4628%2,842
Tier 1 risk-based capital ratio12.5977%5,497
Total risk-based capital ratio13.6733%5,605
Memoranda:
Average total assets$265,782,0002,411
Average earning assets$242,591,0002,418
Average equity$28,401,6702,361
Average total loans$207,598,3301,961
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5744%660
Cost of funding earning assets0.3915%6,451
Net interest margin5.1829%300
Noninterest income to average assets0.8824%1,823
Noninterest expense to average assets3.6068%1,546
Loan and lease loss provision to assets0.3405%1,836
Net operating income to assets1.1821%1,792
Return on assets (ROA)1.1821%1,971
Pretax return on assets1.6634%1,393
Return on Equity (ROE)11.0494%1,998
Retained earnings to average equity (ytd only)11.0494%1,012
Net charge-offs to loans0.3967%2,113
Credit loss provision to net charge-offs111.9403%2,103
Earnings coverage of net charge-offs (x)6.5871%2,180
Efficiency ratio63.2857%5,052
Assets per employee ($millions)2.6821%6,654
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2893%5,067
Loan loss allowance to noncurrent loans28.6890%6,236
Noncurrent assets plus other real estate owned to assets3.7791%1,478
Noncurrent loans to loans4.4941%1,301
Net loans and leases to total assets74.6444%964
Net loans and leases to deposits83.8728%1,680
Net loans and leases to core deposits88.4967%1,996
Total domestic deposits to total assets88.9972%1,694
Equity capital to assets10.4663%3,532
Core capital (leverage) ratio10.3693%2,909
Tier 1 risk-based capital ratio13.0848%5,144
Total risk-based capital ratio14.3326%5,110
Memoranda:
Average total assets$264,280,5002,437
Average earning assets$241,102,5002,440
Average equity$28,273,0002,374
Average total loans$202,659,5002,008
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9291%488
Cost of funding earning assets0.4621%6,695
Net interest margin5.4670%189
Noninterest income to average assets0.7415%2,382
Noninterest expense to average assets3.9046%1,173
Loan and lease loss provision to assets0.5234%2,004
Net operating income to assets0.9050%2,579
Return on assets (ROA)0.9098%2,680
Pretax return on assets1.2792%2,206
Return on Equity (ROE)8.4097%2,711
Retained earnings to average equity (ytd only)7.0623%1,474
Net charge-offs to loans0.8589%2,016
Credit loss provision to net charge-offs77.4854%4,579
Earnings coverage of net charge-offs (x)2.6585%3,883
Efficiency ratio67.3805%4,494
Assets per employee ($millions)2.6035%6,715
Cash dividends to net income (ytd only)*16.0226%3,683
Condition Ratios (%)
Loss allowance to loans1.2795%5,023
Loan loss allowance to noncurrent loans85.2583%3,486
Noncurrent assets plus other real estate owned to assets1.7327%3,353
Noncurrent loans to loans1.5008%3,897
Net loans and leases to total assets76.7845%853
Net loans and leases to deposits86.7245%1,570
Net loans and leases to core deposits91.7362%1,913
Total domestic deposits to total assets88.5384%1,829
Equity capital to assets10.9369%3,040
Core capital (leverage) ratio10.6313%2,579
Tier 1 risk-based capital ratio13.3834%4,785
Total risk-based capital ratio14.6335%4,758
Memoranda:
Average total assets$253,135,8002,487
Average earning assets$229,615,0002,512
Average equity$27,385,0002,367
Average total loans$199,097,2002,055
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8947%568
Cost of funding earning assets0.4785%6,787
Net interest margin5.4162%199
Noninterest income to average assets0.7135%2,518
Noninterest expense to average assets4.0047%995
Loan and lease loss provision to assets0.4642%2,132
Net operating income to assets0.8233%3,052
Return on assets (ROA)0.8297%3,186
Pretax return on assets1.1660%2,761
Return on Equity (ROE)7.6911%3,182
Retained earnings to average equity (ytd only)7.6911%1,631
Net charge-offs to loans0.5663%2,544
Credit loss provision to net charge-offs103.9192%3,207
Earnings coverage of net charge-offs (x)3.6294%3,359
Efficiency ratio70.0424%3,952
Assets per employee ($millions)2.4472%6,943
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.4951%4,125
Loan loss allowance to noncurrent loans64.1441%4,250
Noncurrent assets plus other real estate owned to assets2.4375%2,646
Noncurrent loans to loans2.3308%2,973
Net loans and leases to total assets78.6518%646
Net loans and leases to deposits89.1453%1,302
Net loans and leases to core deposits95.0858%1,690
Total domestic deposits to total assets88.2287%1,906
Equity capital to assets11.1103%3,040
Core capital (leverage) ratio10.8625%2,510
Tier 1 risk-based capital ratio13.3135%4,872
Total risk-based capital ratio14.5709%4,841
Memoranda:
Average total assets$251,332,7502,516
Average earning assets$227,951,7502,537
Average equity$27,112,7502,389
Average total loans$198,247,0002,075
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8196%696
Cost of funding earning assets0.4905%6,875
Net interest margin5.3292%230
Noninterest income to average assets0.7758%2,129
Noninterest expense to average assets3.9603%1,106
Loan and lease loss provision to assets0.6173%1,547
Net operating income to assets0.7639%3,228
Return on assets (ROA)0.7639%3,356
Pretax return on assets1.0363%3,093
Return on Equity (ROE)7.1526%3,376
Retained earnings to average equity (ytd only)7.1526%1,809
Net charge-offs to loans0.7798%1,944
Credit loss provision to net charge-offs100.7802%3,076
Earnings coverage of net charge-offs (x)2.6996%3,490
Efficiency ratio69.4098%4,236
Assets per employee ($millions)2.5201%6,889
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.4716%4,250
Loan loss allowance to noncurrent loans75.3539%3,721
Noncurrent assets plus other real estate owned to assets2.2206%2,952
Noncurrent loans to loans1.9529%3,541
Net loans and leases to total assets79.2010%620
Net loans and leases to deposits89.3381%1,342
Net loans and leases to core deposits95.7993%1,702
Total domestic deposits to total assets88.6531%1,746
Equity capital to assets10.8525%3,129
Core capital (leverage) ratio10.7083%2,511
Tier 1 risk-based capital ratio13.1303%4,818
Total risk-based capital ratio14.3832%4,792
Memoranda:
Average total assets$251,089,3302,536
Average earning assets$227,953,6702,553
Average equity$26,815,3302,401
Average total loans$197,242,3302,110
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6998%882
Cost of funding earning assets0.5048%6,953
Net interest margin5.1950%256
Noninterest income to average assets0.7677%2,174
Noninterest expense to average assets3.9389%1,120
Loan and lease loss provision to assets0.3671%2,365
Net operating income to assets0.8714%2,697
Return on assets (ROA)0.8714%2,754
Pretax return on assets1.1922%2,401
Return on Equity (ROE)8.2265%2,819
Retained earnings to average equity (ytd only)8.2265%1,652
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.4790%4,168
Assets per employee ($millions)2.5744%6,879
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.6495%3,530
Loan loss allowance to noncurrent loans66.6251%4,088
Noncurrent assets plus other real estate owned to assets2.3058%2,941
Noncurrent loans to loans2.4757%3,018
Net loans and leases to total assets76.5519%953
Net loans and leases to deposits86.2795%1,684
Net loans and leases to core deposits92.7227%2,048
Total domestic deposits to total assets88.7255%1,938
Equity capital to assets10.7451%2,936
Core capital (leverage) ratio10.4070%2,695
Tier 1 risk-based capital ratio13.0597%4,782
Total risk-based capital ratio14.3139%4,761
Memoranda:
Average total assets$250,630,5002,565
Average earning assets$228,220,5002,564
Average equity$26,548,5002,405
Average total loans$194,577,0002,155
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0065%838
Cost of funding earning assets0.7759%6,658
Net interest margin5.2306%273
Noninterest income to average assets0.7071%2,802
Noninterest expense to average assets3.9738%1,197
Loan and lease loss provision to assets0.5140%3,094
Net operating income to assets0.6947%3,247
Return on assets (ROA)0.8469%2,740
Pretax return on assets1.2114%2,186
Return on Equity (ROE)8.1592%2,637
Retained earnings to average equity (ytd only)7.4388%1,163
Net charge-offs to loans0.9257%2,333
Credit loss provision to net charge-offs73.4185%5,776
Earnings coverage of net charge-offs (x)2.1538%4,101
Efficiency ratio71.1861%3,956
Assets per employee ($millions)2.5668%6,910
Cash dividends to net income (ytd only)*8.8292%3,790
Condition Ratios (%)
Loss allowance to loans1.5278%3,872
Loan loss allowance to noncurrent loans118.9448%2,456
Noncurrent assets plus other real estate owned to assets1.3858%4,267
Noncurrent loans to loans1.2845%4,568
Net loans and leases to total assets76.2526%1,231
Net loans and leases to deposits85.6552%2,158
Net loans and leases to core deposits93.8530%2,277
Total domestic deposits to total assets89.0228%1,650
Equity capital to assets10.4413%3,228
Core capital (leverage) ratio10.1734%2,896
Tier 1 risk-based capital ratio12.7322%4,836
Total risk-based capital ratio13.9849%4,806
Memoranda:
Average total assets$246,086,6002,584
Average earning assets$224,639,0002,572
Average equity$25,541,6002,496
Average total loans$186,138,2002,290
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9885%958
Cost of funding earning assets0.8309%6,651
Net interest margin5.1577%321
Noninterest income to average assets0.7290%2,649
Noninterest expense to average assets3.7865%1,393
Loan and lease loss provision to assets0.2533%4,556
Net operating income to assets0.9644%2,357
Return on assets (ROA)0.9573%2,511
Pretax return on assets1.3898%1,906
Return on Equity (ROE)9.2371%2,414
Retained earnings to average equity (ytd only)9.2371%981
Net charge-offs to loans0.4921%3,307
Credit loss provision to net charge-offs68.4831%5,457
Earnings coverage of net charge-offs (x)4.4698%3,035
Efficiency ratio68.2824%4,412
Assets per employee ($millions)2.5194%7,065
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.6559%3,317
Loan loss allowance to noncurrent loans114.9589%2,447
Noncurrent assets plus other real estate owned to assets1.4333%4,304
Noncurrent loans to loans1.4404%4,457
Net loans and leases to total assets76.6706%1,286
Net loans and leases to deposits86.2506%2,283
Net loans and leases to core deposits96.5209%2,198
Total domestic deposits to total assets88.8928%1,452
Equity capital to assets10.5636%3,453
Core capital (leverage) ratio10.2183%3,022
Tier 1 risk-based capital ratio12.7886%4,741
Total risk-based capital ratio14.0431%4,713
Memoranda:
Average total assets$244,721,2502,640
Average earning assets$223,532,2502,627
Average equity$25,360,7502,556
Average total loans$183,975,7502,342
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8840%1,223
Cost of funding earning assets0.8661%6,708
Net interest margin5.0179%406
Noninterest income to average assets0.7559%2,352
Noninterest expense to average assets3.7705%1,410
Loan and lease loss provision to assets0.2262%4,642
Net operating income to assets0.9155%2,496
Return on assets (ROA)0.9155%2,598
Pretax return on assets1.3341%1,998
Return on Equity (ROE)8.8927%2,510
Retained earnings to average equity (ytd only)8.8927%1,135
Net charge-offs to loans0.6527%2,585
Credit loss provision to net charge-offs46.6893%5,493
Earnings coverage of net charge-offs (x)3.2207%3,402
Efficiency ratio69.3720%4,299
Assets per employee ($millions)2.5878%6,970
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.6353%3,308
Loan loss allowance to noncurrent loans104.3129%2,652
Noncurrent assets plus other real estate owned to assets1.8465%3,697
Noncurrent loans to loans1.5677%4,359
Net loans and leases to total assets74.7643%1,746
Net loans and leases to deposits85.7168%2,553
Net loans and leases to core deposits95.4772%2,512
Total domestic deposits to total assets87.2224%2,423
Equity capital to assets10.2885%3,665
Core capital (leverage) ratio10.2048%2,934
Tier 1 risk-based capital ratio12.3755%4,968
Total risk-based capital ratio13.6265%4,951
Memoranda:
Average total assets$243,154,0002,678
Average earning assets$221,686,6702,665
Average equity$25,031,6702,585
Average total loans$180,483,0002,420
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7448%1,629
Cost of funding earning assets0.9106%6,727
Net interest margin4.8342%593
Noninterest income to average assets0.7926%2,059
Noninterest expense to average assets3.8441%1,254
Loan and lease loss provision to assets0.1254%5,326
Net operating income to assets0.9330%2,419
Return on assets (ROA)0.9330%2,485
Pretax return on assets1.2173%2,307
Return on Equity (ROE)9.0605%2,476
Retained earnings to average equity (ytd only)9.0605%1,387
Net charge-offs to loans0.1278%4,201
Credit loss provision to net charge-offs133.9286%2,633
Earnings coverage of net charge-offs (x)14.3393%1,439
Efficiency ratio72.6950%3,809
Assets per employee ($millions)2.4838%7,219
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.9307%2,363
Loan loss allowance to noncurrent loans71.4463%3,792
Noncurrent assets plus other real estate owned to assets2.9944%2,395
Noncurrent loans to loans2.7023%2,967
Net loans and leases to total assets73.5573%2,066
Net loans and leases to deposits84.7076%2,816
Net loans and leases to core deposits95.0032%2,699
Total domestic deposits to total assets86.8367%2,714
Equity capital to assets10.5836%3,160
Core capital (leverage) ratio10.1774%2,954
Tier 1 risk-based capital ratio12.8305%4,454
Total risk-based capital ratio14.0880%4,426
Memoranda:
Average total assets$239,222,5002,774
Average earning assets$217,450,0002,774
Average equity$24,634,5002,649
Average total loans$175,329,0002,538
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7063%458
Cost of funding earning assets1.1354%6,865
Net interest margin5.5709%177
Noninterest income to average assets0.4594%4,722
Noninterest expense to average assets3.5926%2,163
Loan and lease loss provision to assets1.7918%1,269
Net operating income to assets0.2491%4,723
Return on assets (ROA)0.2620%4,760
Pretax return on assets0.1857%5,038
Return on Equity (ROE)2.7895%4,593
Retained earnings to average equity (ytd only)2.0095%3,695
Net charge-offs to loans2.4050%949
Credit loss provision to net charge-offs95.3889%5,808
Earnings coverage of net charge-offs (x)1.0459%5,065
Efficiency ratio63.1591%5,938
Assets per employee ($millions)2.5532%7,114
Cash dividends to net income (ytd only)*27.9605%3,412
Condition Ratios (%)
Loss allowance to loans1.9987%2,031
Loan loss allowance to noncurrent loans74.9291%3,661
Noncurrent assets plus other real estate owned to assets2.6879%2,608
Noncurrent loans to loans2.6675%2,876
Net loans and leases to total assets70.1572%3,215
Net loans and leases to deposits82.1733%3,593
Net loans and leases to core deposits96.8291%4,371
Total domestic deposits to total assets85.3771%3,372
Equity capital to assets10.0137%3,744
Core capital (leverage) ratio9.5199%3,690
Tier 1 risk-based capital ratio11.7615%5,149
Total risk-based capital ratio13.0182%5,103
Memoranda:
Average total assets$232,057,4002,798
Average earning assets$212,353,8002,805
Average equity$21,796,4002,971
Average total loans$181,243,8002,498
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6755%531
Cost of funding earning assets1.1763%6,956
Net interest margin5.4992%184
Noninterest income to average assets0.4016%5,270
Noninterest expense to average assets3.6057%2,020
Loan and lease loss provision to assets1.5792%1,201
Net operating income to assets0.3141%4,746
Return on assets (ROA)0.3309%4,781
Pretax return on assets0.2782%5,114
Return on Equity (ROE)3.5848%4,544
Retained earnings to average equity (ytd only)2.5175%3,917
Net charge-offs to loans1.8046%1,123
Credit loss provision to net charge-offs109.6579%4,638
Earnings coverage of net charge-offs (x)1.2781%4,816
Efficiency ratio64.6733%5,621
Assets per employee ($millions)2.4290%7,339
Cash dividends to net income (ytd only)*29.7724%2,884
Condition Ratios (%)
Loss allowance to loans2.1106%1,582
Loan loss allowance to noncurrent loans45.4866%5,279
Noncurrent assets plus other real estate owned to assets4.1125%1,536
Noncurrent loans to loans4.6400%1,487
Net loans and leases to total assets77.8842%1,595
Net loans and leases to deposits90.7619%2,436
Net loans and leases to core deposits103.8963%3,950
Total domestic deposits to total assets85.8115%2,800
Equity capital to assets9.3683%4,928
Core capital (leverage) ratio8.5776%5,334
Tier 1 risk-based capital ratio10.0430%6,937
Total risk-based capital ratio11.3014%6,876
Memoranda:
Average total assets$230,071,5002,845
Average earning assets$211,055,7502,841
Average equity$21,237,2503,066
Average total loans$183,601,7502,494
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6314%623
Cost of funding earning assets1.2097%7,077
Net interest margin5.4217%203
Noninterest income to average assets0.8702%2,094
Noninterest expense to average assets3.5633%2,159
Loan and lease loss provision to assets1.4358%1,214
Net operating income to assets0.7116%3,205
Return on assets (ROA)0.7335%3,224
Pretax return on assets0.8736%3,429
Return on Equity (ROE)7.9866%2,775
Retained earnings to average equity (ytd only)6.8971%1,623
Net charge-offs to loans1.6895%1,120
Credit loss provision to net charge-offs106.3830%4,329
Earnings coverage of net charge-offs (x)1.6918%4,282
Efficiency ratio59.5178%6,618
Assets per employee ($millions)2.5143%7,224
Cash dividends to net income (ytd only)*13.6418%3,318
Condition Ratios (%)
Loss allowance to loans1.9574%1,661
Loan loss allowance to noncurrent loans48.3616%5,123
Noncurrent assets plus other real estate owned to assets4.1346%1,409
Noncurrent loans to loans4.0473%1,660
Net loans and leases to total assets79.9867%1,314
Net loans and leases to deposits98.0277%1,511
Net loans and leases to core deposits112.0931%3,126
Total domestic deposits to total assets81.5960%4,861
Equity capital to assets9.2028%5,007
Core capital (leverage) ratio8.8142%4,924
Tier 1 risk-based capital ratio9.7930%7,143
Total risk-based capital ratio11.0394%7,094
Memoranda:
Average total assets$229,842,6702,866
Average earning assets$210,965,6702,855
Average equity$21,110,3303,083
Average total loans$183,602,6702,529
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5855%730
Cost of funding earning assets1.2655%7,131
Net interest margin5.3200%226
Noninterest income to average assets0.8251%2,200
Noninterest expense to average assets3.4742%2,162
Loan and lease loss provision to assets1.8433%666
Net operating income to assets0.4090%4,820
Return on assets (ROA)0.4090%4,999
Pretax return on assets0.3932%5,415
Return on Equity (ROE)4.4581%4,722
Retained earnings to average equity (ytd only)3.3101%4,037
Net charge-offs to loans2.8330%461
Credit loss provision to net charge-offs82.3529%4,156
Earnings coverage of net charge-offs (x)0.9992%4,272
Efficiency ratio59.3606%6,501
Assets per employee ($millions)2.4757%7,332
Cash dividends to net income (ytd only)*25.7511%2,429
Condition Ratios (%)
Loss allowance to loans1.8880%1,645
Loan loss allowance to noncurrent loans46.5783%5,404
Noncurrent assets plus other real estate owned to assets3.9246%1,324
Noncurrent loans to loans4.0534%1,480
Net loans and leases to total assets77.8013%1,869
Net loans and leases to deposits97.5380%1,727
Net loans and leases to core deposits109.6498%3,485
Total domestic deposits to total assets79.7652%5,447
Equity capital to assets9.2828%4,962
Core capital (leverage) ratio8.7622%5,040
Tier 1 risk-based capital ratio9.8554%7,079
Total risk-based capital ratio11.1110%6,973
Memoranda:
Average total assets$227,849,0002,893
Average earning assets$209,248,5002,891
Average equity$20,906,0003,129
Average total loans$180,020,5002,597
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2659%639
Cost of funding earning assets1.7615%7,108
Net interest margin5.5044%206
Noninterest income to average assets0.9654%1,711
Noninterest expense to average assets3.8015%1,749
Loan and lease loss provision to assets0.8178%1,817
Net operating income to assets1.0724%2,244
Return on assets (ROA)1.0731%2,161
Pretax return on assets1.4093%1,947
Return on Equity (ROE)11.8434%1,641
Retained earnings to average equity (ytd only)8.4624%719
Net charge-offs to loans-0.1162%8,110
Credit loss provision to net charge-offs-926.0417%7,432
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4651%6,054
Assets per employee ($millions)2.4248%7,354
Cash dividends to net income (ytd only)*28.5469%4,167
Condition Ratios (%)
Loss allowance to loans2.0259%1,173
Loan loss allowance to noncurrent loans149.7734%2,470
Noncurrent assets plus other real estate owned to assets1.7312%2,815
Noncurrent loans to loans1.3526%3,813
Net loans and leases to total assets77.1243%2,343
Net loans and leases to deposits93.0082%2,955
Net loans and leases to core deposits104.5056%4,347
Total domestic deposits to total assets82.9221%3,803
Equity capital to assets9.0681%5,269
Core capital (leverage) ratio8.5133%5,552
Tier 1 risk-based capital ratio9.7474%7,023
Total risk-based capital ratio11.0046%6,910
Memoranda:
Average total assets$217,413,6002,908
Average earning assets$199,948,6002,895
Average equity$19,698,8003,275
Average total loans$165,264,2002,695