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Bank of Tennessee, Performance and Condition Ratios

2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7523%1,416
Cost of funding earning assets0.1271%3,878
Net interest margin3.6252%1,033
Noninterest income to average assets0.7285%1,240
Noninterest expense to average assets2.4748%2,012
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.5613%606
Return on assets (ROA)1.5613%590
Pretax return on assets1.5613%1,026
Return on Equity (ROE)18.9571%389
Retained earnings to average equity (ytd only)10.3980%926
Net charge-offs to loans-0.1250%4,495
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3159%3,138
Assets per employee ($millions)6.3362%2,451
Cash dividends to net income (ytd only)*45.1499%1,504
Condition Ratios (%)
Loss allowance to loans0.9269%3,874
Loan loss allowance to noncurrent loans448.6060%1,668
Noncurrent assets plus other real estate owned to assets0.1531%2,642
Noncurrent loans to loans0.2066%2,684
Net loans and leases to total assets73.4110%962
Net loans and leases to deposits81.5092%1,278
Net loans and leases to core deposits82.4731%1,560
Total domestic deposits to total assets90.0647%1,685
Equity capital to assets8.0812%3,056
Core capital (leverage) ratio8.8475%3,617
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5025%2,675
Memoranda:
Average total assets$1,815,757,667598
Average earning assets$1,656,672,000604
Average equity$149,548,000693
Average total loans$1,279,831,000532
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5762%1,572
Cost of funding earning assets0.1275%3,805
Net interest margin3.4487%1,189
Noninterest income to average assets0.8493%933
Noninterest expense to average assets2.3691%2,272
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.6140%491
Return on assets (ROA)1.6140%490
Pretax return on assets1.6140%806
Return on Equity (ROE)19.4198%249
Retained earnings to average equity (ytd only)11.5448%665
Net charge-offs to loans-0.1257%4,517
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4786%3,539
Assets per employee ($millions)6.5798%2,311
Cash dividends to net income (ytd only)*40.5515%1,488
Condition Ratios (%)
Loss allowance to loans0.9340%3,945
Loan loss allowance to noncurrent loans375.5160%1,811
Noncurrent assets plus other real estate owned to assets0.1673%2,620
Noncurrent loans to loans0.2487%2,600
Net loans and leases to total assets66.6470%1,345
Net loans and leases to deposits73.5399%1,651
Net loans and leases to core deposits74.5431%1,897
Total domestic deposits to total assets90.6269%1,230
Equity capital to assets7.8725%3,667
Core capital (leverage) ratio8.6903%3,671
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7697%2,688
Memoranda:
Average total assets$1,833,405,500596
Average earning assets$1,666,001,500603
Average equity$152,380,500700
Average total loans$1,260,104,500539
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9079%1,587
Cost of funding earning assets0.2337%3,095
Net interest margin3.6742%1,276
Noninterest income to average assets0.7766%1,515
Noninterest expense to average assets2.5089%2,154
Loan and lease loss provision to assets0.0331%2,391
Net operating income to assets1.5738%871
Return on assets (ROA)1.5738%900
Pretax return on assets1.5738%1,499
Return on Equity (ROE)18.2798%438
Retained earnings to average equity (ytd only)9.8593%953
Net charge-offs to loans0.0237%1,770
Credit loss provision to net charge-offs192.0530%1,331
Earnings coverage of net charge-offs (x)93.2119%908
Efficiency ratio60.9581%3,001
Assets per employee ($millions)6.3523%2,447
Cash dividends to net income (ytd only)*46.0646%1,721
Condition Ratios (%)
Loss allowance to loans0.9113%4,036
Loan loss allowance to noncurrent loans351.8781%1,850
Noncurrent assets plus other real estate owned to assets0.1820%2,663
Noncurrent loans to loans0.2590%2,683
Net loans and leases to total assets69.6238%1,084
Net loans and leases to deposits77.5312%1,443
Net loans and leases to core deposits78.7211%1,705
Total domestic deposits to total assets89.8010%1,064
Equity capital to assets8.7740%3,828
Core capital (leverage) ratio8.4326%3,993
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6504%2,735
Memoranda:
Average total assets$1,751,819,000598
Average earning assets$1,592,140,000601
Average equity$150,822,400707
Average total loans$1,276,204,000531
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9036%1,752
Cost of funding earning assets0.2571%3,045
Net interest margin3.6464%1,477
Noninterest income to average assets0.8012%1,524
Noninterest expense to average assets2.4867%2,164
Loan and lease loss provision to assets0.0443%2,109
Net operating income to assets1.5841%1,066
Return on assets (ROA)1.5841%1,117
Pretax return on assets1.5841%1,755
Return on Equity (ROE)18.4900%570
Retained earnings to average equity (ytd only)10.0104%1,309
Net charge-offs to loans-0.0047%3,414
Credit loss provision to net charge-offs-1,288.8889%3,910
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.4278%2,927
Assets per employee ($millions)6.4477%2,300
Cash dividends to net income (ytd only)*45.8605%1,375
Condition Ratios (%)
Loss allowance to loans0.9115%4,124
Loan loss allowance to noncurrent loans513.7871%1,336
Noncurrent assets plus other real estate owned to assets0.1252%3,279
Noncurrent loans to loans0.1774%3,244
Net loans and leases to total assets69.9131%1,081
Net loans and leases to deposits78.9470%1,392
Net loans and leases to core deposits80.1565%1,714
Total domestic deposits to total assets88.5570%1,538
Equity capital to assets8.4336%4,256
Core capital (leverage) ratio8.5026%4,027
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4840%2,868
Memoranda:
Average total assets$1,743,525,750605
Average earning assets$1,584,564,250607
Average equity$149,374,250723
Average total loans$1,281,702,750538
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8944%1,830
Cost of funding earning assets0.2847%2,923
Net interest margin3.6097%1,572
Noninterest income to average assets0.8246%1,468
Noninterest expense to average assets2.4732%2,231
Loan and lease loss provision to assets0.0677%1,700
Net operating income to assets1.5612%1,143
Return on assets (ROA)1.5612%1,206
Pretax return on assets1.5612%1,846
Return on Equity (ROE)18.1219%634
Retained earnings to average equity (ytd only)9.0488%1,693
Net charge-offs to loans0.0055%1,945
Credit loss provision to net charge-offs1,657.1429%335
Earnings coverage of net charge-offs (x)398.9143%311
Efficiency ratio60.2912%2,980
Assets per employee ($millions)6.3749%2,254
Cash dividends to net income (ytd only)*50.0673%1,230
Condition Ratios (%)
Loss allowance to loans0.9144%4,118
Loan loss allowance to noncurrent loans305.2989%1,871
Noncurrent assets plus other real estate owned to assets0.2217%2,825
Noncurrent loans to loans0.2995%2,856
Net loans and leases to total assets72.2970%929
Net loans and leases to deposits81.6104%1,266
Net loans and leases to core deposits83.1388%1,630
Total domestic deposits to total assets88.5879%1,521
Equity capital to assets8.6219%4,112
Core capital (leverage) ratio8.4786%3,996
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5724%2,840
Memoranda:
Average total assets$1,714,320,333610
Average earning assets$1,556,542,667614
Average equity$147,688,667724
Average total loans$1,278,275,667544
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9577%1,685
Cost of funding earning assets0.3201%2,795
Net interest margin3.6376%1,480
Noninterest income to average assets0.9147%1,290
Noninterest expense to average assets2.5483%2,033
Loan and lease loss provision to assets0.1369%984
Net operating income to assets1.5415%1,234
Return on assets (ROA)1.5415%1,302
Pretax return on assets1.5415%1,880
Return on Equity (ROE)17.9010%741
Retained earnings to average equity (ytd only)6.3909%2,765
Net charge-offs to loans-0.0147%3,849
Credit loss provision to net charge-offs-1,234.0426%3,413
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.2903%2,997
Assets per employee ($millions)6.3338%2,308
Cash dividends to net income (ytd only)*64.2988%810
Condition Ratios (%)
Loss allowance to loans0.9159%4,110
Loan loss allowance to noncurrent loans283.6022%1,841
Noncurrent assets plus other real estate owned to assets0.2384%2,947
Noncurrent loans to loans0.3229%2,945
Net loans and leases to total assets73.1562%889
Net loans and leases to deposits82.9285%1,254
Net loans and leases to core deposits84.7473%1,613
Total domestic deposits to total assets88.2160%1,732
Equity capital to assets8.3811%4,209
Core capital (leverage) ratio8.5221%4,086
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3308%2,858
Memoranda:
Average total assets$1,694,938,000608
Average earning assets$1,543,225,000608
Average equity$145,958,000728
Average total loans$1,277,852,000546
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5226%1,258
Cost of funding earning assets0.5882%2,396
Net interest margin3.9344%1,128
Noninterest income to average assets0.8086%1,505
Noninterest expense to average assets2.6925%2,259
Loan and lease loss provision to assets0.2585%1,505
Net operating income to assets1.4580%904
Return on assets (ROA)1.4575%985
Pretax return on assets1.4575%1,484
Return on Equity (ROE)16.2182%478
Retained earnings to average equity (ytd only)8.5055%903
Net charge-offs to loans0.0523%2,043
Credit loss provision to net charge-offs622.4649%1,079
Earnings coverage of net charge-offs (x)41.3385%1,356
Efficiency ratio61.0684%3,299
Assets per employee ($millions)5.9930%2,339
Cash dividends to net income (ytd only)*47.5556%1,971
Condition Ratios (%)
Loss allowance to loans0.8782%4,250
Loan loss allowance to noncurrent loans270.4584%1,845
Noncurrent assets plus other real estate owned to assets0.2502%3,036
Noncurrent loans to loans0.3247%3,040
Net loans and leases to total assets76.3643%747
Net loans and leases to deposits86.9178%1,182
Net loans and leases to core deposits89.7514%1,544
Total domestic deposits to total assets87.8580%1,553
Equity capital to assets8.8548%4,181
Core capital (leverage) ratio8.6421%4,058
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2404%2,856
Memoranda:
Average total assets$1,543,718,600601
Average earning assets$1,412,652,600599
Average equity$138,733,000726
Average total loans$1,225,573,600540
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5993%1,308
Cost of funding earning assets0.6528%2,314
Net interest margin3.9465%1,245
Noninterest income to average assets0.7675%1,602
Noninterest expense to average assets2.6731%2,333
Loan and lease loss provision to assets0.2451%1,658
Net operating income to assets1.4745%955
Return on assets (ROA)1.4738%1,038
Pretax return on assets1.4562%1,556
Return on Equity (ROE)16.3337%506
Retained earnings to average equity (ytd only)7.9599%1,317
Net charge-offs to loans0.0541%1,833
Credit loss provision to net charge-offs565.9229%1,198
Earnings coverage of net charge-offs (x)39.2961%1,371
Efficiency ratio61.0984%3,201
Assets per employee ($millions)5.8171%2,431
Cash dividends to net income (ytd only)*51.2668%1,441
Condition Ratios (%)
Loss allowance to loans0.7721%4,431
Loan loss allowance to noncurrent loans204.0202%2,167
Noncurrent assets plus other real estate owned to assets0.3083%2,922
Noncurrent loans to loans0.3784%2,930
Net loans and leases to total assets80.8392%538
Net loans and leases to deposits92.8122%1,014
Net loans and leases to core deposits95.9130%1,461
Total domestic deposits to total assets87.0998%1,626
Equity capital to assets8.8723%4,202
Core capital (leverage) ratio8.7504%4,006
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8768%2,943
Memoranda:
Average total assets$1,517,627,250595
Average earning assets$1,387,338,500592
Average equity$136,932,500729
Average total loans$1,214,542,500538
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6529%1,529
Cost of funding earning assets0.7214%2,285
Net interest margin3.9315%1,494
Noninterest income to average assets0.7070%1,713
Noninterest expense to average assets2.6409%2,549
Loan and lease loss provision to assets0.2271%1,846
Net operating income to assets1.4573%1,006
Return on assets (ROA)1.4563%1,093
Pretax return on assets1.4294%1,644
Return on Equity (ROE)16.0436%558
Retained earnings to average equity (ytd only)7.2349%1,559
Net charge-offs to loans0.0534%1,728
Credit loss provision to net charge-offs534.8101%1,176
Earnings coverage of net charge-offs (x)39.0348%1,263
Efficiency ratio61.4387%3,209
Assets per employee ($millions)5.7056%2,441
Cash dividends to net income (ytd only)*54.9045%1,392
Condition Ratios (%)
Loss allowance to loans0.7172%4,526
Loan loss allowance to noncurrent loans159.9442%2,497
Noncurrent assets plus other real estate owned to assets0.3696%2,818
Noncurrent loans to loans0.4484%2,811
Net loans and leases to total assets80.6626%520
Net loans and leases to deposits94.3649%926
Net loans and leases to core deposits98.2514%1,394
Total domestic deposits to total assets85.4795%2,215
Equity capital to assets8.8368%4,226
Core capital (leverage) ratio8.6693%4,237
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8080%3,012
Memoranda:
Average total assets$1,488,329,333597
Average earning assets$1,359,633,667593
Average equity$135,094,667729
Average total loans$1,183,393,333537
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7234%1,639
Cost of funding earning assets0.8185%2,287
Net interest margin3.9049%1,661
Noninterest income to average assets0.6729%1,762
Noninterest expense to average assets2.7173%2,666
Loan and lease loss provision to assets0.0996%2,438
Net operating income to assets1.4069%960
Return on assets (ROA)1.4047%1,046
Pretax return on assets1.4047%1,549
Return on Equity (ROE)15.2559%520
Retained earnings to average equity (ytd only)5.9370%1,897
Net charge-offs to loans0.0412%1,624
Credit loss provision to net charge-offs307.6923%1,157
Earnings coverage of net charge-offs (x)46.5214%951
Efficiency ratio64.3316%3,185
Assets per employee ($millions)5.1950%2,434
Cash dividends to net income (ytd only)*61.0837%1,376
Condition Ratios (%)
Loss allowance to loans0.6951%4,616
Loan loss allowance to noncurrent loans170.9157%2,315
Noncurrent assets plus other real estate owned to assets0.3258%3,143
Noncurrent loans to loans0.4067%3,036
Net loans and leases to total assets77.8971%999
Net loans and leases to deposits95.7956%930
Net loans and leases to core deposits101.6240%1,352
Total domestic deposits to total assets81.3160%3,593
Equity capital to assets9.1479%4,507
Core capital (leverage) ratio9.1479%4,319
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4914%3,228
Memoranda:
Average total assets$1,445,115,500582
Average earning assets$1,314,144,500584
Average equity$133,063,000735
Average total loans$1,135,382,000537
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8529%1,885
Cost of funding earning assets0.9824%1,802
Net interest margin3.8705%2,272
Noninterest income to average assets0.7440%1,650
Noninterest expense to average assets2.7849%2,652
Loan and lease loss provision to assets0.0359%3,292
Net operating income to assets1.4522%1,180
Return on assets (ROA)1.4522%1,239
Pretax return on assets1.4522%1,973
Return on Equity (ROE)16.4117%491
Retained earnings to average equity (ytd only)7.6080%1,111
Net charge-offs to loans0.0165%3,128
Credit loss provision to net charge-offs278.5714%1,013
Earnings coverage of net charge-offs (x)115.4560%603
Efficiency ratio65.1739%2,900
Assets per employee ($millions)4.9995%2,597
Cash dividends to net income (ytd only)*53.6428%1,851
Condition Ratios (%)
Loss allowance to loans0.7007%4,570
Loan loss allowance to noncurrent loans179.6868%2,279
Noncurrent assets plus other real estate owned to assets0.3125%3,173
Noncurrent loans to loans0.3900%3,037
Net loans and leases to total assets78.1452%1,059
Net loans and leases to deposits95.9038%951
Net loans and leases to core deposits102.7030%1,339
Total domestic deposits to total assets81.4829%3,651
Equity capital to assets9.2702%4,513
Core capital (leverage) ratio9.0468%4,493
Tier 1 risk-based capital ratio11.0673%4,833
Total risk-based capital ratio11.7354%4,950
Memoranda:
Average total assets$1,412,040,200578
Average earning assets$1,287,465,800579
Average equity$124,947,400732
Average total loans$1,106,206,200528
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8462%1,984
Cost of funding earning assets1.0008%1,758
Net interest margin3.8454%2,455
Noninterest income to average assets0.7141%1,725
Noninterest expense to average assets2.7813%2,620
Loan and lease loss provision to assets0.0479%2,934
Net operating income to assets1.3906%1,501
Return on assets (ROA)1.3906%1,568
Pretax return on assets1.3906%2,345
Return on Equity (ROE)15.9053%621
Retained earnings to average equity (ytd only)7.2611%1,732
Net charge-offs to loans0.0109%2,978
Credit loss provision to net charge-offs563.3333%571
Earnings coverage of net charge-offs (x)169.1847%498
Efficiency ratio65.9107%2,738
Assets per employee ($millions)5.1314%2,415
Cash dividends to net income (ytd only)*54.3478%1,487
Condition Ratios (%)
Loss allowance to loans0.7023%4,647
Loan loss allowance to noncurrent loans220.4412%1,950
Noncurrent assets plus other real estate owned to assets0.2492%3,567
Noncurrent loans to loans0.3186%3,383
Net loans and leases to total assets77.6853%1,190
Net loans and leases to deposits98.5390%764
Net loans and leases to core deposits106.0705%1,176
Total domestic deposits to total assets78.8371%4,214
Equity capital to assets8.9711%4,795
Core capital (leverage) ratio8.8450%4,750
Tier 1 risk-based capital ratio10.6769%5,029
Total risk-based capital ratio11.3435%5,110
Memoranda:
Average total assets$1,411,334,000580
Average earning assets$1,286,654,000582
Average equity$123,394,000734
Average total loans$1,104,395,000527
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8797%1,817
Cost of funding earning assets0.9858%1,762
Net interest margin3.8938%2,255
Noninterest income to average assets0.6411%1,969
Noninterest expense to average assets2.7734%2,681
Loan and lease loss provision to assets0.0580%2,665
Net operating income to assets1.3614%1,541
Return on assets (ROA)1.3614%1,602
Pretax return on assets1.3614%2,340
Return on Equity (ROE)15.7108%637
Retained earnings to average equity (ytd only)6.8263%1,888
Net charge-offs to loans0.0071%2,894
Credit loss provision to net charge-offs1,043.5897%330
Earnings coverage of net charge-offs (x)255.2821%317
Efficiency ratio66.1464%2,791
Assets per employee ($millions)4.9909%2,489
Cash dividends to net income (ytd only)*56.5504%1,510
Condition Ratios (%)
Loss allowance to loans0.6997%4,716
Loan loss allowance to noncurrent loans258.8255%1,785
Noncurrent assets plus other real estate owned to assets0.2131%3,724
Noncurrent loans to loans0.2703%3,562
Net loans and leases to total assets78.2717%1,168
Net loans and leases to deposits101.6686%564
Net loans and leases to core deposits110.2478%962
Total domestic deposits to total assets76.9871%4,562
Equity capital to assets8.8533%4,877
Core capital (leverage) ratio8.7665%4,799
Tier 1 risk-based capital ratio10.4541%5,119
Total risk-based capital ratio11.1162%5,197
Memoranda:
Average total assets$1,402,848,670583
Average earning assets$1,279,557,000584
Average equity$121,560,000737
Average total loans$1,097,837,330527
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7151%2,175
Cost of funding earning assets0.9483%1,802
Net interest margin3.7669%2,645
Noninterest income to average assets0.6265%1,932
Noninterest expense to average assets2.8136%2,528
Loan and lease loss provision to assets0.0683%2,301
Net operating income to assets1.1744%2,156
Return on assets (ROA)1.1744%2,207
Pretax return on assets1.1744%2,902
Return on Equity (ROE)13.7047%1,031
Retained earnings to average equity (ytd only)4.9927%2,908
Net charge-offs to loans0.0092%2,368
Credit loss provision to net charge-offs952.0000%388
Earnings coverage of net charge-offs (x)173.1200%442
Efficiency ratio69.3636%2,446
Assets per employee ($millions)4.8807%2,668
Cash dividends to net income (ytd only)*63.5697%1,264
Condition Ratios (%)
Loss allowance to loans0.6998%4,780
Loan loss allowance to noncurrent loans258.5743%1,769
Noncurrent assets plus other real estate owned to assets0.2194%3,749
Noncurrent loans to loans0.2707%3,592
Net loans and leases to total assets77.3572%1,261
Net loans and leases to deposits95.9191%973
Net loans and leases to core deposits105.6945%1,193
Total domestic deposits to total assets80.6484%4,038
Equity capital to assets8.5828%4,935
Core capital (leverage) ratio8.7147%4,855
Tier 1 risk-based capital ratio10.6579%5,128
Total risk-based capital ratio11.3341%5,221
Memoranda:
Average total assets$1,393,071,500588
Average earning assets$1,268,426,500592
Average equity$119,375,000747
Average total loans$1,086,164,000536
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6837%1,883
Cost of funding earning assets0.6430%2,439
Net interest margin4.0406%1,853
Noninterest income to average assets0.7501%1,641
Noninterest expense to average assets3.0508%1,932
Loan and lease loss provision to assets0.0308%3,576
Net operating income to assets1.3141%1,742
Return on assets (ROA)1.3141%1,730
Pretax return on assets1.3469%2,330
Return on Equity (ROE)15.5373%715
Retained earnings to average equity (ytd only)10.8646%464
Net charge-offs to loans0.0571%2,326
Credit loss provision to net charge-offs69.1769%3,000
Earnings coverage of net charge-offs (x)30.9842%1,563
Efficiency ratio68.8905%2,408
Assets per employee ($millions)4.7110%2,860
Cash dividends to net income (ytd only)*30.0741%3,037
Condition Ratios (%)
Loss allowance to loans0.6965%4,807
Loan loss allowance to noncurrent loans235.6445%1,973
Noncurrent assets plus other real estate owned to assets0.2307%3,676
Noncurrent loans to loans0.2956%3,505
Net loans and leases to total assets77.4938%1,355
Net loans and leases to deposits99.3039%792
Net loans and leases to core deposits106.4947%1,231
Total domestic deposits to total assets78.0370%4,486
Equity capital to assets8.5552%4,893
Core capital (leverage) ratio8.9231%4,725
Tier 1 risk-based capital ratio10.8766%5,029
Total risk-based capital ratio11.5559%5,156
Memoranda:
Average total assets$1,284,170,400610
Average earning assets$1,169,045,200612
Average equity$108,609,600787
Average total loans$999,997,000560
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6350%1,882
Cost of funding earning assets0.5982%2,483
Net interest margin4.0368%1,835
Noninterest income to average assets0.7721%1,571
Noninterest expense to average assets3.0603%1,856
Loan and lease loss provision to assets0.0248%3,521
Net operating income to assets1.3234%1,765
Return on assets (ROA)1.3234%1,774
Pretax return on assets1.3616%2,373
Return on Equity (ROE)15.6964%747
Retained earnings to average equity (ytd only)9.3333%1,102
Net charge-offs to loans0.0517%2,092
Credit loss provision to net charge-offs61.6798%2,729
Earnings coverage of net charge-offs (x)34.4250%1,480
Efficiency ratio68.8212%2,385
Assets per employee ($millions)4.5863%2,997
Cash dividends to net income (ytd only)*40.5384%2,028
Condition Ratios (%)
Loss allowance to loans0.7317%4,809
Loan loss allowance to noncurrent loans205.6712%2,201
Noncurrent assets plus other real estate owned to assets0.2796%3,564
Noncurrent loans to loans0.3557%3,376
Net loans and leases to total assets77.3778%1,435
Net loans and leases to deposits95.7664%1,184
Net loans and leases to core deposits103.1515%1,520
Total domestic deposits to total assets80.7986%3,917
Equity capital to assets8.4663%4,946
Core capital (leverage) ratio8.8286%4,865
Tier 1 risk-based capital ratio10.9259%5,071
Total risk-based capital ratio11.6369%5,194
Memoranda:
Average total assets$1,261,309,500622
Average earning assets$1,148,161,500619
Average equity$106,340,250801
Average total loans$981,623,250568
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5929%1,801
Cost of funding earning assets0.5320%2,750
Net interest margin4.0610%1,669
Noninterest income to average assets0.7849%1,518
Noninterest expense to average assets3.1033%1,777
Loan and lease loss provision to assets0.0121%3,617
Net operating income to assets1.3289%1,665
Return on assets (ROA)1.3289%1,670
Pretax return on assets1.3667%2,266
Return on Equity (ROE)15.7855%716
Retained earnings to average equity (ytd only)6.0856%2,504
Net charge-offs to loans0.0674%1,665
Credit loss provision to net charge-offs23.0061%2,672
Earnings coverage of net charge-offs (x)26.2853%1,607
Efficiency ratio69.2382%2,441
Assets per employee ($millions)4.6127%2,949
Cash dividends to net income (ytd only)*61.4481%1,265
Condition Ratios (%)
Loss allowance to loans0.7369%4,852
Loan loss allowance to noncurrent loans162.8603%2,612
Noncurrent assets plus other real estate owned to assets0.3555%3,322
Noncurrent loans to loans0.4524%3,082
Net loans and leases to total assets77.4812%1,397
Net loans and leases to deposits96.9202%1,048
Net loans and leases to core deposits103.6273%1,427
Total domestic deposits to total assets79.9432%4,247
Equity capital to assets8.4412%4,986
Core capital (leverage) ratio8.8026%4,877
Tier 1 risk-based capital ratio10.8118%5,148
Total risk-based capital ratio11.5321%5,269
Memoranda:
Average total assets$1,242,987,330634
Average earning assets$1,131,650,000629
Average equity$104,640,330815
Average total loans$966,826,670573
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5556%1,699
Cost of funding earning assets0.4817%2,942
Net interest margin4.0739%1,507
Noninterest income to average assets0.8013%1,452
Noninterest expense to average assets3.0919%1,847
Loan and lease loss provision to assets0.0491%2,798
Net operating income to assets1.3284%1,549
Return on assets (ROA)1.3284%1,557
Pretax return on assets1.3644%2,129
Return on Equity (ROE)15.8021%658
Retained earnings to average equity (ytd only)6.1572%2,641
Net charge-offs to loans-0.1679%5,339
Credit loss provision to net charge-offs-37.6884%3,605
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6250%2,730
Assets per employee ($millions)4.5017%3,153
Cash dividends to net income (ytd only)*61.0358%1,226
Condition Ratios (%)
Loss allowance to loans0.8476%4,647
Loan loss allowance to noncurrent loans133.5885%2,950
Noncurrent assets plus other real estate owned to assets0.4941%2,879
Noncurrent loans to loans0.6345%2,641
Net loans and leases to total assets77.2111%1,356
Net loans and leases to deposits93.7793%1,242
Net loans and leases to core deposits100.6415%1,639
Total domestic deposits to total assets82.3328%3,864
Equity capital to assets8.2566%5,133
Core capital (leverage) ratio8.5468%5,112
Tier 1 risk-based capital ratio10.6054%5,318
Total risk-based capital ratio11.4377%5,382
Memoranda:
Average total assets$1,221,014,500642
Average earning assets$1,110,193,000639
Average equity$102,644,500830
Average total loans$947,973,500587
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3903%2,055
Cost of funding earning assets0.3679%3,540
Net interest margin4.0223%1,682
Noninterest income to average assets0.8984%1,274
Noninterest expense to average assets3.2191%1,566
Loan and lease loss provision to assets0.0045%4,159
Net operating income to assets1.2933%1,240
Return on assets (ROA)1.2939%1,257
Pretax return on assets1.3197%2,283
Return on Equity (ROE)14.8737%628
Retained earnings to average equity (ytd only)5.8629%1,619
Net charge-offs to loans-0.0237%5,000
Credit loss provision to net charge-offs-24.7525%4,611
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8643%2,421
Assets per employee ($millions)4.2841%3,513
Cash dividends to net income (ytd only)*60.5820%1,727
Condition Ratios (%)
Loss allowance to loans0.8243%4,759
Loan loss allowance to noncurrent loans105.4713%3,423
Noncurrent assets plus other real estate owned to assets0.6049%2,530
Noncurrent loans to loans0.7815%2,268
Net loans and leases to total assets76.7589%1,471
Net loans and leases to deposits96.1681%1,077
Net loans and leases to core deposits101.6106%1,577
Total domestic deposits to total assets79.8174%4,373
Equity capital to assets8.5617%5,076
Core capital (leverage) ratio8.8240%4,836
Tier 1 risk-based capital ratio11.1144%5,078
Total risk-based capital ratio11.9409%5,192
Memoranda:
Average total assets$1,120,700,600659
Average earning assets$1,015,382,200670
Average equity$97,494,200847
Average total loans$852,566,400617
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3601%2,076
Cost of funding earning assets0.3455%3,717
Net interest margin4.0146%1,654
Noninterest income to average assets0.8259%1,492
Noninterest expense to average assets3.1762%1,616
Loan and lease loss provision to assets0.0061%4,001
Net operating income to assets1.2452%1,529
Return on assets (ROA)1.2452%1,552
Pretax return on assets1.2802%2,584
Return on Equity (ROE)14.2517%778
Retained earnings to average equity (ytd only)3.4610%3,863
Net charge-offs to loans-0.0405%5,095
Credit loss provision to net charge-offs-19.7628%4,399
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.1770%2,340
Assets per employee ($millions)4.1184%3,791
Cash dividends to net income (ytd only)*75.7148%766
Condition Ratios (%)
Loss allowance to loans0.8841%4,631
Loan loss allowance to noncurrent loans112.3687%3,319
Noncurrent assets plus other real estate owned to assets0.6247%2,636
Noncurrent loans to loans0.7868%2,394
Net loans and leases to total assets75.7066%1,639
Net loans and leases to deposits93.8719%1,314
Net loans and leases to core deposits98.3777%1,856
Total domestic deposits to total assets80.6488%4,156
Equity capital to assets8.8201%5,064
Core capital (leverage) ratio8.8029%4,962
Tier 1 risk-based capital ratio11.2478%5,107
Total risk-based capital ratio12.1169%5,212
Memoranda:
Average total assets$1,100,988,750675
Average earning assets$997,300,750683
Average equity$96,192,250858
Average total loans$833,604,750631
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3136%2,080
Cost of funding earning assets0.3142%3,940
Net interest margin3.9994%1,607
Noninterest income to average assets0.8114%1,531
Noninterest expense to average assets3.2192%1,541
Loan and lease loss provision to assets0.0092%3,744
Net operating income to assets1.1595%1,743
Return on assets (ROA)1.1595%1,785
Pretax return on assets1.2082%2,738
Return on Equity (ROE)13.3155%958
Retained earnings to average equity (ytd only)2.3671%4,260
Net charge-offs to loans-0.0543%5,212
Credit loss provision to net charge-offs-22.4215%4,240
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5600%2,254
Assets per employee ($millions)4.2219%3,577
Cash dividends to net income (ytd only)*82.2233%799
Condition Ratios (%)
Loss allowance to loans0.8986%4,646
Loan loss allowance to noncurrent loans109.6913%3,401
Noncurrent assets plus other real estate owned to assets0.6430%2,628
Noncurrent loans to loans0.8192%2,353
Net loans and leases to total assets75.3595%1,634
Net loans and leases to deposits94.0421%1,255
Net loans and leases to core deposits98.5173%1,765
Total domestic deposits to total assets80.1338%4,379
Equity capital to assets8.8352%5,044
Core capital (leverage) ratio8.8917%4,853
Tier 1 risk-based capital ratio11.2407%5,120
Total risk-based capital ratio12.1210%5,237
Memoranda:
Average total assets$1,087,723,670686
Average earning assets$985,958,330696
Average equity$94,717,000867
Average total loans$821,022,000645
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2339%2,152
Cost of funding earning assets0.2870%4,172
Net interest margin3.9469%1,612
Noninterest income to average assets0.8119%1,510
Noninterest expense to average assets3.1751%1,683
Loan and lease loss provision to assets0.0187%3,329
Net operating income to assets1.1487%1,675
Return on assets (ROA)1.1487%1,711
Pretax return on assets1.2014%2,590
Return on Equity (ROE)13.2936%940
Retained earnings to average equity (ytd only)2.3274%4,209
Net charge-offs to loans-0.0671%5,307
Credit loss provision to net charge-offs-37.0370%3,845
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2402%2,531
Assets per employee ($millions)4.1383%3,779
Cash dividends to net income (ytd only)*82.4927%932
Condition Ratios (%)
Loss allowance to loans0.9207%4,676
Loan loss allowance to noncurrent loans90.6116%3,792
Noncurrent assets plus other real estate owned to assets0.7686%2,381
Noncurrent loans to loans1.0161%2,022
Net loans and leases to total assets74.7196%1,628
Net loans and leases to deposits89.4583%1,602
Net loans and leases to core deposits92.7762%2,092
Total domestic deposits to total assets83.5245%3,645
Equity capital to assets8.5150%5,229
Core capital (leverage) ratio8.7364%5,015
Tier 1 risk-based capital ratio10.8466%5,389
Total risk-based capital ratio11.7371%5,474
Memoranda:
Average total assets$1,070,078,500700
Average earning assets$971,487,500708
Average equity$92,465,500885
Average total loans$804,547,000660
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2285%2,392
Cost of funding earning assets0.2699%4,367
Net interest margin3.9586%1,756
Noninterest income to average assets1.0326%1,061
Noninterest expense to average assets3.2986%1,578
Loan and lease loss provision to assets0.0199%3,972
Net operating income to assets1.2951%1,224
Return on assets (ROA)1.2957%1,296
Pretax return on assets1.3081%2,252
Return on Equity (ROE)14.0979%758
Retained earnings to average equity (ytd only)5.8769%1,778
Net charge-offs to loans0.0547%2,945
Credit loss provision to net charge-offs49.7512%3,384
Earnings coverage of net charge-offs (x)33.2139%1,344
Efficiency ratio71.3058%2,695
Assets per employee ($millions)4.1906%3,634
Cash dividends to net income (ytd only)*58.3135%1,866
Condition Ratios (%)
Loss allowance to loans0.9426%4,615
Loan loss allowance to noncurrent loans82.3523%3,964
Noncurrent assets plus other real estate owned to assets0.8664%2,180
Noncurrent loans to loans1.1446%1,791
Net loans and leases to total assets74.2414%1,808
Net loans and leases to deposits87.6076%1,973
Net loans and leases to core deposits90.9101%2,415
Total domestic deposits to total assets84.7432%3,158
Equity capital to assets8.7724%5,044
Core capital (leverage) ratio8.8461%4,915
Tier 1 risk-based capital ratio11.0779%5,298
Total risk-based capital ratio11.9708%5,386
Memoranda:
Average total assets$1,005,871,800720
Average earning assets$913,064,600726
Average equity$92,446,200863
Average total loans$734,447,000681
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2329%2,400
Cost of funding earning assets0.2621%4,479
Net interest margin3.9708%1,742
Noninterest income to average assets1.0150%1,115
Noninterest expense to average assets3.3102%1,539
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.3013%1,290
Return on assets (ROA)1.3021%1,383
Pretax return on assets1.3088%2,396
Return on Equity (ROE)13.9995%827
Retained earnings to average equity (ytd only)6.4388%1,943
Net charge-offs to loans0.0680%2,354
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)26.5356%1,594
Efficiency ratio71.6784%2,621
Assets per employee ($millions)4.1254%3,746
Cash dividends to net income (ytd only)*54.0068%1,692
Condition Ratios (%)
Loss allowance to loans0.9498%4,665
Loan loss allowance to noncurrent loans117.3560%3,288
Noncurrent assets plus other real estate owned to assets0.6331%3,011
Noncurrent loans to loans0.8093%2,643
Net loans and leases to total assets73.4518%1,955
Net loans and leases to deposits90.5279%1,690
Net loans and leases to core deposits93.9338%2,195
Total domestic deposits to total assets81.1372%4,217
Equity capital to assets9.2487%4,922
Core capital (leverage) ratio8.9373%4,898
Tier 1 risk-based capital ratio11.2923%5,203
Total risk-based capital ratio12.1914%5,317
Memoranda:
Average total assets$995,428,750732
Average earning assets$903,277,000735
Average equity$92,582,000867
Average total loans$721,762,000692
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2193%2,449
Cost of funding earning assets0.2521%4,641
Net interest margin3.9672%1,748
Noninterest income to average assets1.0536%1,008
Noninterest expense to average assets3.3513%1,480
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.3011%1,273
Return on assets (ROA)1.3072%1,354
Pretax return on assets1.3072%2,378
Return on Equity (ROE)14.0279%824
Retained earnings to average equity (ytd only)8.0350%1,159
Net charge-offs to loans-0.0423%5,299
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0328%2,649
Assets per employee ($millions)4.1285%3,691
Cash dividends to net income (ytd only)*42.7218%2,300
Condition Ratios (%)
Loss allowance to loans1.0480%4,240
Loan loss allowance to noncurrent loans119.5344%3,346
Noncurrent assets plus other real estate owned to assets0.6862%2,928
Noncurrent loans to loans0.8768%2,545
Net loans and leases to total assets72.3687%2,108
Net loans and leases to deposits91.1662%1,610
Net loans and leases to core deposits93.3165%2,227
Total domestic deposits to total assets79.3810%4,696
Equity capital to assets9.4031%4,862
Core capital (leverage) ratio9.0906%4,727
Tier 1 risk-based capital ratio11.4294%5,200
Total risk-based capital ratio12.4177%5,250
Memoranda:
Average total assets$984,826,000737
Average earning assets$893,371,000741
Average equity$91,774,000872
Average total loans$708,429,670706
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1904%2,508
Cost of funding earning assets0.2534%4,666
Net interest margin3.9370%1,824
Noninterest income to average assets1.2681%681
Noninterest expense to average assets3.4841%1,211
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.3534%1,129
Return on assets (ROA)1.3624%1,176
Pretax return on assets1.3624%2,032
Return on Equity (ROE)14.6894%721
Retained earnings to average equity (ytd only)4.7012%3,118
Net charge-offs to loans-0.2529%5,899
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0232%2,799
Assets per employee ($millions)4.1176%3,732
Cash dividends to net income (ytd only)*67.9964%1,242
Condition Ratios (%)
Loss allowance to loans1.1490%3,776
Loan loss allowance to noncurrent loans120.7720%3,214
Noncurrent assets plus other real estate owned to assets0.7101%2,935
Noncurrent loans to loans0.9514%2,474
Net loans and leases to total assets70.2968%2,290
Net loans and leases to deposits86.1485%2,048
Net loans and leases to core deposits88.1464%2,549
Total domestic deposits to total assets81.5997%4,328
Equity capital to assets9.3103%4,879
Core capital (leverage) ratio9.0000%4,855
Tier 1 risk-based capital ratio11.8868%4,984
Total risk-based capital ratio12.9850%4,994
Memoranda:
Average total assets$971,494,000747
Average earning assets$880,765,500752
Average equity$90,105,500886
Average total loans$692,767,000727
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1640%2,693
Cost of funding earning assets0.3304%3,906
Net interest margin3.8336%2,260
Noninterest income to average assets1.2418%778
Noninterest expense to average assets3.4508%1,382
Loan and lease loss provision to assets0.0610%3,084
Net operating income to assets1.2262%1,466
Return on assets (ROA)1.2324%1,500
Pretax return on assets1.2324%2,532
Return on Equity (ROE)13.2452%1,006
Retained earnings to average equity (ytd only)4.3206%2,902
Net charge-offs to loans0.0632%2,964
Credit loss provision to net charge-offs139.1198%1,884
Earnings coverage of net charge-offs (x)29.3716%1,475
Efficiency ratio72.8323%2,765
Assets per employee ($millions)3.9299%4,064
Cash dividends to net income (ytd only)*67.3796%1,369
Condition Ratios (%)
Loss allowance to loans1.1088%4,003
Loan loss allowance to noncurrent loans177.4743%2,469
Noncurrent assets plus other real estate owned to assets0.4681%3,745
Noncurrent loans to loans0.6248%3,315
Net loans and leases to total assets70.7172%2,260
Net loans and leases to deposits86.9196%2,013
Net loans and leases to core deposits88.9590%2,504
Total domestic deposits to total assets81.3593%4,384
Equity capital to assets9.2386%4,858
Core capital (leverage) ratio9.2167%4,586
Tier 1 risk-based capital ratio12.2571%4,785
Total risk-based capital ratio13.3373%4,799
Memoranda:
Average total assets$933,270,000740
Average earning assets$851,132,600742
Average equity$86,839,200878
Average total loans$647,545,000721
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1507%2,747
Cost of funding earning assets0.3387%3,877
Net interest margin3.8120%2,339
Noninterest income to average assets1.1505%902
Noninterest expense to average assets3.3244%1,640
Loan and lease loss provision to assets0.0819%2,535
Net operating income to assets1.1696%1,754
Return on assets (ROA)1.1776%1,795
Pretax return on assets1.2269%2,703
Return on Equity (ROE)12.6321%1,214
Retained earnings to average equity (ytd only)3.7591%3,796
Net charge-offs to loans0.0909%2,258
Credit loss provision to net charge-offs130.8046%1,869
Earnings coverage of net charge-offs (x)20.7814%1,851
Efficiency ratio71.8818%2,905
Assets per employee ($millions)3.7611%4,336
Cash dividends to net income (ytd only)*70.2419%1,014
Condition Ratios (%)
Loss allowance to loans1.1484%3,939
Loan loss allowance to noncurrent loans176.3323%2,503
Noncurrent assets plus other real estate owned to assets0.5014%3,824
Noncurrent loans to loans0.6513%3,373
Net loans and leases to total assets69.9243%2,399
Net loans and leases to deposits85.2072%2,249
Net loans and leases to core deposits87.5243%2,702
Total domestic deposits to total assets82.0638%4,141
Equity capital to assets9.4518%4,808
Core capital (leverage) ratio9.1532%4,804
Tier 1 risk-based capital ratio12.2650%4,910
Total risk-based capital ratio13.3525%4,935
Memoranda:
Average total assets$926,865,750747
Average earning assets$844,749,500754
Average equity$86,402,000889
Average total loans$638,006,000740
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1018%2,890
Cost of funding earning assets0.3410%3,910
Net interest margin3.7609%2,473
Noninterest income to average assets1.1240%957
Noninterest expense to average assets3.3044%1,691
Loan and lease loss provision to assets0.0766%2,591
Net operating income to assets1.1219%1,869
Return on assets (ROA)1.1379%1,892
Pretax return on assets1.1800%2,857
Return on Equity (ROE)12.2636%1,292
Retained earnings to average equity (ytd only)3.8734%3,537
Net charge-offs to loans0.1389%1,666
Credit loss provision to net charge-offs80.8219%2,320
Earnings coverage of net charge-offs (x)13.0913%2,162
Efficiency ratio72.7147%2,895
Assets per employee ($millions)3.5735%4,670
Cash dividends to net income (ytd only)*68.4151%1,255
Condition Ratios (%)
Loss allowance to loans1.1394%4,135
Loan loss allowance to noncurrent loans132.2134%3,071
Noncurrent assets plus other real estate owned to assets0.6552%3,443
Noncurrent loans to loans0.8618%2,975
Net loans and leases to total assets68.4592%2,576
Net loans and leases to deposits81.7320%2,592
Net loans and leases to core deposits83.7052%3,008
Total domestic deposits to total assets83.7606%3,662
Equity capital to assets9.1934%5,028
Core capital (leverage) ratio9.1185%4,793
Tier 1 risk-based capital ratio12.4406%4,847
Total risk-based capital ratio13.5217%4,855
Memoranda:
Average total assets$924,880,000757
Average earning assets$841,136,330765
Average equity$85,815,000897
Average total loans$630,739,330745
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1138%2,777
Cost of funding earning assets0.3470%3,896
Net interest margin3.7668%2,366
Noninterest income to average assets1.0758%976
Noninterest expense to average assets3.2431%1,861
Loan and lease loss provision to assets0.1320%1,566
Net operating income to assets1.0934%1,891
Return on assets (ROA)1.1262%1,875
Pretax return on assets1.1518%2,864
Return on Equity (ROE)12.0816%1,326
Retained earnings to average equity (ytd only)3.6948%3,793
Net charge-offs to loans0.0931%1,793
Credit loss provision to net charge-offs209.6552%1,022
Earnings coverage of net charge-offs (x)19.8552%1,435
Efficiency ratio72.1728%3,144
Assets per employee ($millions)3.5993%4,725
Cash dividends to net income (ytd only)*69.4177%1,198
Condition Ratios (%)
Loss allowance to loans1.2109%3,915
Loan loss allowance to noncurrent loans137.2202%2,976
Noncurrent assets plus other real estate owned to assets0.6556%3,534
Noncurrent loans to loans0.8824%3,041
Net loans and leases to total assets67.0493%2,601
Net loans and leases to deposits78.9155%2,693
Net loans and leases to core deposits80.8086%3,076
Total domestic deposits to total assets84.9633%3,432
Equity capital to assets9.3869%4,869
Core capital (leverage) ratio9.1542%4,786
Tier 1 risk-based capital ratio12.8880%4,671
Total risk-based capital ratio14.0570%4,637
Memoranda:
Average total assets$920,973,500759
Average earning assets$835,623,500767
Average equity$85,849,500895
Average total loans$623,172,500749
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1491%3,129
Cost of funding earning assets0.3885%3,808
Net interest margin3.7606%2,769
Noninterest income to average assets1.0896%1,020
Noninterest expense to average assets3.2782%1,979
Loan and lease loss provision to assets0.1228%2,135
Net operating income to assets1.0914%2,007
Return on assets (ROA)1.0966%2,042
Pretax return on assets1.0966%3,099
Return on Equity (ROE)12.2033%1,351
Retained earnings to average equity (ytd only)2.8068%4,245
Net charge-offs to loans0.2420%1,756
Credit loss provision to net charge-offs75.0167%2,967
Earnings coverage of net charge-offs (x)7.4166%3,035
Efficiency ratio72.9722%3,039
Assets per employee ($millions)3.5131%4,879
Cash dividends to net income (ytd only)*77.0000%1,005
Condition Ratios (%)
Loss allowance to loans1.2033%3,978
Loan loss allowance to noncurrent loans158.6655%2,693
Noncurrent assets plus other real estate owned to assets0.5759%3,866
Noncurrent loans to loans0.7584%3,427
Net loans and leases to total assets66.6445%2,782
Net loans and leases to deposits79.5888%2,775
Net loans and leases to core deposits82.0853%3,099
Total domestic deposits to total assets83.7359%3,824
Equity capital to assets9.2558%4,999
Core capital (leverage) ratio9.0178%4,971
Tier 1 risk-based capital ratio13.1043%4,652
Total risk-based capital ratio14.2792%4,624
Memoranda:
Average total assets$911,950,000729
Average earning assets$825,195,000741
Average equity$81,945,000893
Average total loans$617,023,200709
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1445%3,192
Cost of funding earning assets0.3922%3,875
Net interest margin3.7523%2,803
Noninterest income to average assets1.0803%1,042
Noninterest expense to average assets3.2619%1,991
Loan and lease loss provision to assets0.1397%1,789
Net operating income to assets1.0680%2,162
Return on assets (ROA)1.0698%2,223
Pretax return on assets1.0698%3,301
Return on Equity (ROE)11.9960%1,482
Retained earnings to average equity (ytd only)2.7614%4,630
Net charge-offs to loans0.2826%1,391
Credit loss provision to net charge-offs72.9916%2,715
Earnings coverage of net charge-offs (x)6.3114%3,103
Efficiency ratio72.9798%3,004
Assets per employee ($millions)3.4334%4,992
Cash dividends to net income (ytd only)*76.9810%814
Condition Ratios (%)
Loss allowance to loans1.2171%4,139
Loan loss allowance to noncurrent loans109.3640%3,440
Noncurrent assets plus other real estate owned to assets0.8009%3,416
Noncurrent loans to loans1.1129%2,844
Net loans and leases to total assets66.0742%2,857
Net loans and leases to deposits78.6876%2,872
Net loans and leases to core deposits81.3713%3,166
Total domestic deposits to total assets83.9702%3,781
Equity capital to assets9.1167%5,238
Core capital (leverage) ratio9.1097%4,918
Tier 1 risk-based capital ratio13.0635%4,828
Total risk-based capital ratio14.2466%4,792
Memoranda:
Average total assets$910,705,000737
Average earning assets$822,594,250744
Average equity$81,214,000904
Average total loans$616,647,500704
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1579%3,110
Cost of funding earning assets0.3949%3,914
Net interest margin3.7629%2,700
Noninterest income to average assets1.0223%1,140
Noninterest expense to average assets3.1780%2,256
Loan and lease loss provision to assets0.2100%1,130
Net operating income to assets1.0296%2,204
Return on assets (ROA)1.0322%2,257
Pretax return on assets1.0322%3,351
Return on Equity (ROE)11.6628%1,531
Retained earnings to average equity (ytd only)2.3997%4,680
Net charge-offs to loans0.1114%2,548
Credit loss provision to net charge-offs277.3256%916
Earnings coverage of net charge-offs (x)16.3721%1,796
Efficiency ratio71.9396%3,354
Assets per employee ($millions)3.3812%5,097
Cash dividends to net income (ytd only)*79.4243%921
Condition Ratios (%)
Loss allowance to loans1.3813%3,446
Loan loss allowance to noncurrent loans93.1461%3,796
Noncurrent assets plus other real estate owned to assets1.0645%2,944
Noncurrent loans to loans1.4829%2,340
Net loans and leases to total assets66.8870%2,601
Net loans and leases to deposits79.9315%2,525
Net loans and leases to core deposits83.0528%2,847
Total domestic deposits to total assets83.6804%4,039
Equity capital to assets9.2138%5,089
Core capital (leverage) ratio8.9627%5,078
Tier 1 risk-based capital ratio12.9522%4,943
Total risk-based capital ratio14.2033%4,880
Memoranda:
Average total assets$908,698,000739
Average earning assets$819,890,000750
Average equity$80,427,000905
Average total loans$617,802,670696
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0928%3,312
Cost of funding earning assets0.3996%3,974
Net interest margin3.6932%2,886
Noninterest income to average assets0.9906%1,151
Noninterest expense to average assets3.1125%2,488
Loan and lease loss provision to assets0.2269%981
Net operating income to assets0.9744%2,308
Return on assets (ROA)0.9801%2,344
Pretax return on assets0.9801%3,406
Return on Equity (ROE)11.3022%1,603
Retained earnings to average equity (ytd only)2.0857%4,768
Net charge-offs to loans0.0798%2,356
Credit loss provision to net charge-offs417.7419%633
Earnings coverage of net charge-offs (x)22.1210%1,263
Efficiency ratio72.1523%3,458
Assets per employee ($millions)3.4902%4,937
Cash dividends to net income (ytd only)*81.5460%939
Condition Ratios (%)
Loss allowance to loans1.3175%4,027
Loan loss allowance to noncurrent loans132.8694%2,918
Noncurrent assets plus other real estate owned to assets0.7977%3,748
Noncurrent loans to loans0.9916%3,436
Net loans and leases to total assets66.9935%2,398
Net loans and leases to deposits79.9131%2,301
Net loans and leases to core deposits83.4402%2,580
Total domestic deposits to total assets83.8329%4,331
Equity capital to assets8.7370%5,411
Core capital (leverage) ratio8.8997%5,142
Tier 1 risk-based capital ratio12.5889%5,264
Total risk-based capital ratio13.8392%5,199
Memoranda:
Average total assets$913,347,500741
Average earning assets$821,830,500753
Average equity$79,206,000924
Average total loans$621,700,500689
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3547%2,757
Cost of funding earning assets0.5012%3,596
Net interest margin3.8535%2,464
Noninterest income to average assets0.8961%1,690
Noninterest expense to average assets3.2277%2,339
Loan and lease loss provision to assets0.2882%1,192
Net operating income to assets0.8809%2,873
Return on assets (ROA)0.8834%2,950
Pretax return on assets0.8672%3,892
Return on Equity (ROE)10.0673%2,085
Retained earnings to average equity (ytd only)1.7242%5,011
Net charge-offs to loans0.7944%792
Credit loss provision to net charge-offs52.9236%3,754
Earnings coverage of net charge-offs (x)2.1169%4,327
Efficiency ratio73.6835%3,184
Assets per employee ($millions)3.4819%4,935
Cash dividends to net income (ytd only)*82.8729%826
Condition Ratios (%)
Loss allowance to loans1.2601%4,345
Loan loss allowance to noncurrent loans126.7185%3,040
Noncurrent assets plus other real estate owned to assets0.8039%3,871
Noncurrent loans to loans0.9944%3,528
Net loans and leases to total assets67.3905%2,458
Net loans and leases to deposits80.1149%2,443
Net loans and leases to core deposits84.4577%2,625
Total domestic deposits to total assets84.1174%4,117
Equity capital to assets8.6065%5,474
Core capital (leverage) ratio8.8790%5,167
Tier 1 risk-based capital ratio12.5871%5,236
Total risk-based capital ratio13.8060%5,206
Memoranda:
Average total assets$860,511,200768
Average earning assets$778,096,800777
Average equity$75,512,000946
Average total loans$589,848,600704
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4148%2,544
Cost of funding earning assets0.5279%3,486
Net interest margin3.8869%2,325
Noninterest income to average assets0.8209%2,052
Noninterest expense to average assets3.1898%2,400
Loan and lease loss provision to assets0.3544%898
Net operating income to assets0.7967%3,364
Return on assets (ROA)0.7941%3,509
Pretax return on assets0.7941%4,317
Return on Equity (ROE)9.0025%2,630
Retained earnings to average equity (ytd only)0.3617%5,821
Net charge-offs to loans1.0181%556
Credit loss provision to net charge-offs50.7197%3,481
Earnings coverage of net charge-offs (x)1.6475%4,290
Efficiency ratio73.4822%3,146
Assets per employee ($millions)3.4321%4,989
Cash dividends to net income (ytd only)*95.9827%463
Condition Ratios (%)
Loss allowance to loans1.2495%4,644
Loan loss allowance to noncurrent loans115.7405%3,111
Noncurrent assets plus other real estate owned to assets0.8792%3,917
Noncurrent loans to loans1.0796%3,641
Net loans and leases to total assets68.3040%2,254
Net loans and leases to deposits82.0409%2,131
Net loans and leases to core deposits86.8952%2,298
Total domestic deposits to total assets83.2560%4,481
Equity capital to assets8.6363%5,582
Core capital (leverage) ratio8.8064%5,403
Tier 1 risk-based capital ratio12.3638%5,539
Total risk-based capital ratio13.5798%5,494
Memoranda:
Average total assets$848,444,250785
Average earning assets$768,330,250787
Average equity$74,836,500965
Average total loans$582,249,000717
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5163%2,133
Cost of funding earning assets0.5655%3,260
Net interest margin3.9508%2,044
Noninterest income to average assets0.7785%2,284
Noninterest expense to average assets3.2396%2,237
Loan and lease loss provision to assets0.3147%1,128
Net operating income to assets0.7995%3,302
Return on assets (ROA)0.7954%3,476
Pretax return on assets0.7954%4,328
Return on Equity (ROE)8.9500%2,628
Retained earnings to average equity (ytd only)-0.1411%5,880
Net charge-offs to loans0.5724%1,155
Credit loss provision to net charge-offs80.3571%2,615
Earnings coverage of net charge-offs (x)2.8448%3,568
Efficiency ratio74.4073%3,050
Assets per employee ($millions)3.5409%4,775
Cash dividends to net income (ytd only)*101.5767%496
Condition Ratios (%)
Loss allowance to loans1.5686%3,281
Loan loss allowance to noncurrent loans107.0971%3,285
Noncurrent assets plus other real estate owned to assets1.2747%3,210
Noncurrent loans to loans1.4647%3,112
Net loans and leases to total assets67.4305%2,348
Net loans and leases to deposits80.8340%2,206
Net loans and leases to core deposits85.3012%2,405
Total domestic deposits to total assets83.4185%4,535
Equity capital to assets8.7195%5,524
Core capital (leverage) ratio8.6917%5,436
Tier 1 risk-based capital ratio12.5563%5,465
Total risk-based capital ratio13.8085%5,399
Memoranda:
Average total assets$829,238,000801
Average earning assets$750,430,670809
Average equity$73,698,670983
Average total loans$567,429,330735
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7396%1,432
Cost of funding earning assets0.6032%3,082
Net interest margin4.1364%1,357
Noninterest income to average assets0.7380%2,386
Noninterest expense to average assets3.3110%2,057
Loan and lease loss provision to assets0.3306%1,015
Net operating income to assets0.8148%3,080
Return on assets (ROA)0.8148%3,220
Pretax return on assets0.8385%4,004
Return on Equity (ROE)9.0697%2,455
Retained earnings to average equity (ytd only)-0.4833%5,876
Net charge-offs to loans0.2023%2,204
Credit loss provision to net charge-offs239.0511%953
Earnings coverage of net charge-offs (x)8.4526%1,944
Efficiency ratio73.9042%3,284
Assets per employee ($millions)3.5712%4,836
Cash dividends to net income (ytd only)*105.3284%592
Condition Ratios (%)
Loss allowance to loans1.6762%3,108
Loan loss allowance to noncurrent loans103.4918%3,266
Noncurrent assets plus other real estate owned to assets1.5940%2,874
Noncurrent loans to loans1.6196%3,110
Net loans and leases to total assets65.7204%2,418
Net loans and leases to deposits79.4792%2,153
Net loans and leases to core deposits84.4311%2,278
Total domestic deposits to total assets82.6889%4,960
Equity capital to assets9.0005%5,483
Core capital (leverage) ratio8.6531%5,389
Tier 1 risk-based capital ratio12.4421%5,613
Total risk-based capital ratio13.6951%5,561
Memoranda:
Average total assets$792,387,500849
Average earning assets$716,853,000854
Average equity$71,182,0001,023
Average total loans$541,864,500771
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4034%3,795
Cost of funding earning assets0.5643%4,695
Net interest margin3.8392%3,063
Noninterest income to average assets1.0253%1,465
Noninterest expense to average assets3.1179%2,875
Loan and lease loss provision to assets0.3139%2,183
Net operating income to assets0.9399%2,600
Return on assets (ROA)0.9391%2,855
Pretax return on assets0.9391%3,781
Return on Equity (ROE)10.4933%1,973
Retained earnings to average equity (ytd only)1.6509%5,034
Net charge-offs to loans0.3957%2,671
Credit loss provision to net charge-offs114.8274%2,526
Earnings coverage of net charge-offs (x)4.5863%3,318
Efficiency ratio71.3194%3,564
Assets per employee ($millions)3.4359%5,134
Cash dividends to net income (ytd only)*84.2669%868
Condition Ratios (%)
Loss allowance to loans1.6772%3,016
Loan loss allowance to noncurrent loans138.4492%2,529
Noncurrent assets plus other real estate owned to assets1.0542%3,921
Noncurrent loans to loans1.2114%3,828
Net loans and leases to total assets69.3833%1,960
Net loans and leases to deposits83.7357%1,787
Net loans and leases to core deposits88.9319%1,980
Total domestic deposits to total assets82.8599%4,775
Equity capital to assets8.9588%5,566
Core capital (leverage) ratio8.3927%5,765
Tier 1 risk-based capital ratio11.4366%6,143
Total risk-based capital ratio12.6886%6,108
Memoranda:
Average total assets$646,342,8001,017
Average earning assets$563,376,8001,073
Average equity$57,846,2001,226
Average total loans$446,572,600929
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4635%3,764
Cost of funding earning assets0.5847%4,793
Net interest margin3.8788%2,987
Noninterest income to average assets1.0257%1,439
Noninterest expense to average assets3.0592%3,023
Loan and lease loss provision to assets0.3386%1,934
Net operating income to assets0.9828%2,597
Return on assets (ROA)0.9818%2,829
Pretax return on assets0.9818%3,784
Return on Equity (ROE)10.9725%1,969
Retained earnings to average equity (ytd only)3.1614%4,650
Net charge-offs to loans0.3450%2,724
Credit loss provision to net charge-offs142.7948%2,017
Earnings coverage of net charge-offs (x)5.5729%2,987
Efficiency ratio69.8355%3,723
Assets per employee ($millions)3.4652%5,049
Cash dividends to net income (ytd only)*71.1875%886
Condition Ratios (%)
Loss allowance to loans1.8142%2,753
Loan loss allowance to noncurrent loans149.1048%2,299
Noncurrent assets plus other real estate owned to assets1.0943%4,107
Noncurrent loans to loans1.2168%4,020
Net loans and leases to total assets66.7721%2,507
Net loans and leases to deposits81.1055%2,237
Net loans and leases to core deposits86.6154%2,386
Total domestic deposits to total assets82.3275%4,908
Equity capital to assets9.0981%5,713
Core capital (leverage) ratio8.6165%5,599
Tier 1 risk-based capital ratio12.1812%5,842
Total risk-based capital ratio13.4328%5,807
Memoranda:
Average total assets$643,864,2501,029
Average earning assets$556,886,5001,097
Average equity$57,609,5001,238
Average total loans$442,440,750945
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5107%3,718
Cost of funding earning assets0.5906%4,981
Net interest margin3.9200%2,830
Noninterest income to average assets0.9852%1,502
Noninterest expense to average assets3.0494%3,087
Loan and lease loss provision to assets0.3418%1,925
Net operating income to assets0.9905%2,505
Return on assets (ROA)0.9905%2,734
Pretax return on assets0.9905%3,738
Return on Equity (ROE)11.1335%1,944
Retained earnings to average equity (ytd only)3.2610%4,444
Net charge-offs to loans0.4957%2,102
Credit loss provision to net charge-offs100.0000%2,712
Earnings coverage of net charge-offs (x)3.8980%3,236
Efficiency ratio69.5936%3,833
Assets per employee ($millions)3.3867%5,235
Cash dividends to net income (ytd only)*70.7102%1,063
Condition Ratios (%)
Loss allowance to loans1.7154%3,160
Loan loss allowance to noncurrent loans130.2725%2,529
Noncurrent assets plus other real estate owned to assets1.2725%3,883
Noncurrent loans to loans1.3168%3,948
Net loans and leases to total assets67.1791%2,433
Net loans and leases to deposits81.8499%2,134
Net loans and leases to core deposits87.3572%2,272
Total domestic deposits to total assets82.0760%5,101
Equity capital to assets9.0659%5,629
Core capital (leverage) ratio8.6075%5,506
Tier 1 risk-based capital ratio12.2137%5,784
Total risk-based capital ratio13.4709%5,762
Memoranda:
Average total assets$642,485,6701,033
Average earning assets$556,682,3301,092
Average equity$57,160,6701,248
Average total loans$443,028,330942
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4801%4,003
Cost of funding earning assets0.5937%5,181
Net interest margin3.8863%2,981
Noninterest income to average assets0.9769%1,492
Noninterest expense to average assets3.0891%2,952
Loan and lease loss provision to assets0.2921%2,129
Net operating income to assets0.9800%2,558
Return on assets (ROA)0.9800%2,762
Pretax return on assets0.9800%3,748
Return on Equity (ROE)11.1200%1,972
Retained earnings to average equity (ytd only)3.1872%4,655
Net charge-offs to loans0.2459%2,699
Credit loss provision to net charge-offs171.5328%1,490
Earnings coverage of net charge-offs (x)7.4708%2,069
Efficiency ratio70.8321%3,653
Assets per employee ($millions)3.3368%5,478
Cash dividends to net income (ytd only)*71.3380%953
Condition Ratios (%)
Loss allowance to loans1.7339%3,215
Loan loss allowance to noncurrent loans124.0896%2,548
Noncurrent assets plus other real estate owned to assets1.4272%3,721
Noncurrent loans to loans1.3973%4,015
Net loans and leases to total assets67.4188%2,213
Net loans and leases to deposits81.6362%1,981
Net loans and leases to core deposits87.4733%2,121
Total domestic deposits to total assets82.5844%5,087
Equity capital to assets8.7744%5,783
Core capital (leverage) ratio8.5989%5,446
Tier 1 risk-based capital ratio11.9236%6,008
Total risk-based capital ratio13.1812%6,003
Memoranda:
Average total assets$643,688,5001,027
Average earning assets$560,528,0001,094
Average equity$56,726,5001,256
Average total loans$445,790,000931
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6729%4,365
Cost of funding earning assets0.8232%4,685
Net interest margin3.8496%3,572
Noninterest income to average assets0.7869%2,133
Noninterest expense to average assets2.9626%3,732
Loan and lease loss provision to assets0.4965%2,121
Net operating income to assets0.7416%3,287
Return on assets (ROA)0.7408%3,461
Pretax return on assets0.6811%4,402
Return on Equity (ROE)8.6387%2,615
Retained earnings to average equity (ytd only)0.0000%5,828
Net charge-offs to loans0.7313%2,325
Credit loss provision to net charge-offs95.0966%3,796
Earnings coverage of net charge-offs (x)2.2571%4,095
Efficiency ratio71.5436%3,676
Assets per employee ($millions)3.2822%5,548
Cash dividends to net income (ytd only)*100.0000%322
Condition Ratios (%)
Loss allowance to loans1.6773%3,289
Loan loss allowance to noncurrent loans101.9978%3,001
Noncurrent assets plus other real estate owned to assets1.6548%3,472
Noncurrent loans to loans1.6444%3,699
Net loans and leases to total assets68.7375%2,263
Net loans and leases to deposits83.9046%1,936
Net loans and leases to core deposits90.0349%2,130
Total domestic deposits to total assets81.9234%5,156
Equity capital to assets8.8514%5,731
Core capital (leverage) ratio8.3924%5,727
Tier 1 risk-based capital ratio11.6637%6,048
Total risk-based capital ratio12.9179%6,027
Memoranda:
Average total assets$644,532,2001,006
Average earning assets$561,559,6001,057
Average equity$55,274,6001,228
Average total loans$460,124,800908
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7347%4,301
Cost of funding earning assets0.8842%4,514
Net interest margin3.8505%3,611
Noninterest income to average assets0.8314%1,921
Noninterest expense to average assets2.9551%3,727
Loan and lease loss provision to assets0.4467%2,237
Net operating income to assets0.8182%3,069
Return on assets (ROA)0.8171%3,239
Pretax return on assets0.7614%4,272
Return on Equity (ROE)9.6047%2,344
Retained earnings to average equity (ytd only)0.8059%5,691
Net charge-offs to loans0.7215%2,111
Credit loss provision to net charge-offs86.2784%3,910
Earnings coverage of net charge-offs (x)2.3355%3,955
Efficiency ratio70.9645%3,744
Assets per employee ($millions)3.4189%5,205
Cash dividends to net income (ytd only)*91.6097%401
Condition Ratios (%)
Loss allowance to loans1.6002%3,667
Loan loss allowance to noncurrent loans79.6391%3,578
Noncurrent assets plus other real estate owned to assets2.2973%2,787
Noncurrent loans to loans2.0093%3,353
Net loans and leases to total assets68.6270%2,346
Net loans and leases to deposits83.2944%2,131
Net loans and leases to core deposits91.4402%2,059
Total domestic deposits to total assets82.3909%4,931
Equity capital to assets8.6422%6,152
Core capital (leverage) ratio8.3155%5,955
Tier 1 risk-based capital ratio11.4764%6,253
Total risk-based capital ratio12.7321%6,242
Memoranda:
Average total assets$645,657,5001,007
Average earning assets$558,835,0001,069
Average equity$54,930,2501,234
Average total loans$463,294,500916
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8389%3,914
Cost of funding earning assets0.9332%4,435
Net interest margin3.9057%3,280
Noninterest income to average assets0.7890%2,075
Noninterest expense to average assets2.9667%3,769
Loan and lease loss provision to assets0.4352%2,254
Net operating income to assets0.8164%3,004
Return on assets (ROA)0.8118%3,143
Pretax return on assets0.7277%4,283
Return on Equity (ROE)9.5932%2,273
Retained earnings to average equity (ytd only)0.4822%5,656
Net charge-offs to loans0.9327%1,668
Credit loss provision to net charge-offs64.4076%4,226
Earnings coverage of net charge-offs (x)1.7280%4,006
Efficiency ratio71.7601%3,787
Assets per employee ($millions)3.3976%5,207
Cash dividends to net income (ytd only)*94.9731%544
Condition Ratios (%)
Loss allowance to loans1.5078%4,099
Loan loss allowance to noncurrent loans99.3376%2,904
Noncurrent assets plus other real estate owned to assets2.0883%3,132
Noncurrent loans to loans1.5179%4,149
Net loans and leases to total assets69.7974%2,263
Net loans and leases to deposits84.4043%2,046
Net loans and leases to core deposits92.2453%2,097
Total domestic deposits to total assets82.6941%4,906
Equity capital to assets8.5524%6,124
Core capital (leverage) ratio8.2794%5,905
Tier 1 risk-based capital ratio11.3924%6,257
Total risk-based capital ratio12.6462%6,240
Memoranda:
Average total assets$642,065,6701,022
Average earning assets$549,913,6701,102
Average equity$54,330,3301,239
Average total loans$465,120,670929
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7899%4,103
Cost of funding earning assets0.9518%4,549
Net interest margin3.8382%3,429
Noninterest income to average assets1.0963%1,088
Noninterest expense to average assets2.9266%3,962
Loan and lease loss provision to assets0.5429%1,598
Net operating income to assets0.9395%2,401
Return on assets (ROA)0.9395%2,464
Pretax return on assets0.9395%3,366
Return on Equity (ROE)11.1634%1,687
Retained earnings to average equity (ytd only)2.2564%4,798
Net charge-offs to loans0.9485%1,412
Credit loss provision to net charge-offs78.1475%3,194
Earnings coverage of net charge-offs (x)2.1340%3,236
Efficiency ratio66.3786%4,973
Assets per employee ($millions)3.4448%5,134
Cash dividends to net income (ytd only)*79.7872%847
Condition Ratios (%)
Loss allowance to loans1.5935%3,757
Loan loss allowance to noncurrent loans93.9532%3,045
Noncurrent assets plus other real estate owned to assets2.3654%2,881
Noncurrent loans to loans1.6961%3,946
Net loans and leases to total assets70.8194%1,966
Net loans and leases to deposits85.1445%1,857
Net loans and leases to core deposits95.2231%1,743
Total domestic deposits to total assets83.1756%4,865
Equity capital to assets8.3622%6,093
Core capital (leverage) ratio8.4188%5,594
Tier 1 risk-based capital ratio11.2231%6,331
Total risk-based capital ratio12.4773%6,297
Memoranda:
Average total assets$640,323,5001,036
Average earning assets$552,660,0001,102
Average equity$53,890,5001,241
Average total loans$468,943,500932
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2764%3,234
Cost of funding earning assets1.1940%4,599
Net interest margin4.0824%2,649
Noninterest income to average assets1.1269%1,163
Noninterest expense to average assets3.2956%2,752
Loan and lease loss provision to assets0.7971%2,044
Net operating income to assets0.5115%4,047
Return on assets (ROA)0.9001%2,518
Pretax return on assets0.9535%3,092
Return on Equity (ROE)10.4881%1,767
Retained earnings to average equity (ytd only)2.9294%3,809
Net charge-offs to loans0.9861%2,214
Credit loss provision to net charge-offs110.0493%4,004
Earnings coverage of net charge-offs (x)1.8462%4,344
Efficiency ratio71.1366%3,964
Assets per employee ($millions)3.2970%5,434
Cash dividends to net income (ytd only)*72.0690%1,132
Condition Ratios (%)
Loss allowance to loans1.6256%3,486
Loan loss allowance to noncurrent loans142.7508%2,082
Noncurrent assets plus other real estate owned to assets1.9979%3,349
Noncurrent loans to loans1.1388%4,835
Net loans and leases to total assets73.3222%1,804
Net loans and leases to deposits89.0020%1,647
Net loans and leases to core deposits99.7726%1,640
Total domestic deposits to total assets82.3826%5,067
Equity capital to assets8.4713%5,893
Core capital (leverage) ratio8.1711%5,872
Tier 1 risk-based capital ratio11.0238%6,305
Total risk-based capital ratio12.2779%6,276
Memoranda:
Average total assets$644,343,4001,038
Average earning assets$553,353,2001,096
Average equity$55,300,6001,207
Average total loans$473,255,200951
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3373%3,176
Cost of funding earning assets1.2150%4,770
Net interest margin4.1223%2,523
Noninterest income to average assets1.1619%1,033
Noninterest expense to average assets2.9974%3,756
Loan and lease loss provision to assets0.9005%1,687
Net operating income to assets0.7325%3,272
Return on assets (ROA)0.9388%2,591
Pretax return on assets0.9914%3,214
Return on Equity (ROE)10.9044%1,817
Retained earnings to average equity (ytd only)3.2472%4,155
Net charge-offs to loans1.0588%1,917
Credit loss provision to net charge-offs116.2191%3,588
Earnings coverage of net charge-offs (x)2.1614%4,107
Efficiency ratio64.1547%5,214
Assets per employee ($millions)3.5482%4,859
Cash dividends to net income (ytd only)*70.2216%898
Condition Ratios (%)
Loss allowance to loans1.6639%3,279
Loan loss allowance to noncurrent loans140.5615%2,009
Noncurrent assets plus other real estate owned to assets2.2444%3,144
Noncurrent loans to loans1.1838%4,875
Net loans and leases to total assets68.8362%3,024
Net loans and leases to deposits87.1108%2,137
Net loans and leases to core deposits99.3603%1,907
Total domestic deposits to total assets79.0215%6,012
Equity capital to assets8.4182%6,372
Core capital (leverage) ratio8.1726%6,081
Tier 1 risk-based capital ratio10.8395%6,515
Total risk-based capital ratio12.0925%6,490
Memoranda:
Average total assets$647,172,2501,044
Average earning assets$551,075,7501,104
Average equity$55,719,2501,192
Average total loans$473,614,000957
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3450%3,236
Cost of funding earning assets1.2029%5,120
Net interest margin4.1421%2,367
Noninterest income to average assets1.1640%948
Noninterest expense to average assets3.0452%3,535
Loan and lease loss provision to assets0.9591%1,529
Net operating income to assets0.7140%3,339
Return on assets (ROA)0.9497%2,455
Pretax return on assets1.0010%3,112
Return on Equity (ROE)10.9455%1,773
Retained earnings to average equity (ytd only)3.1041%4,136
Net charge-offs to loans1.5621%1,216
Credit loss provision to net charge-offs82.6415%4,635
Earnings coverage of net charge-offs (x)1.4752%4,381
Efficiency ratio64.0124%5,335
Assets per employee ($millions)3.4113%5,154
Cash dividends to net income (ytd only)*71.6403%986
Condition Ratios (%)
Loss allowance to loans1.3910%4,469
Loan loss allowance to noncurrent loans134.1174%2,078
Noncurrent assets plus other real estate owned to assets2.3117%3,120
Noncurrent loans to loans1.0372%5,235
Net loans and leases to total assets71.7156%2,482
Net loans and leases to deposits91.9566%1,539
Net loans and leases to core deposits104.9710%1,540
Total domestic deposits to total assets77.9885%6,269
Equity capital to assets8.6392%5,958
Core capital (leverage) ratio8.3248%5,713
Tier 1 risk-based capital ratio10.6428%6,572
Total risk-based capital ratio11.8936%6,568
Memoranda:
Average total assets$639,361,0001,058
Average earning assets$554,645,0001,100
Average equity$55,474,6701,189
Average total loans$475,008,330967
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3084%3,507
Cost of funding earning assets1.1953%5,435
Net interest margin4.1131%2,384
Noninterest income to average assets1.1270%981
Noninterest expense to average assets3.0647%3,411
Loan and lease loss provision to assets1.0293%1,206
Net operating income to assets0.6466%3,680
Return on assets (ROA)0.6526%3,772
Pretax return on assets0.6898%4,270
Return on Equity (ROE)7.5053%3,114
Retained earnings to average equity (ytd only)-3.3614%6,410
Net charge-offs to loans1.3707%1,255
Credit loss provision to net charge-offs100.0000%3,385
Earnings coverage of net charge-offs (x)1.6640%3,737
Efficiency ratio64.1482%5,467
Assets per employee ($millions)3.1999%5,770
Cash dividends to net income (ytd only)*144.7876%325
Condition Ratios (%)
Loss allowance to loans1.5193%3,815
Loan loss allowance to noncurrent loans156.0347%1,790
Noncurrent assets plus other real estate owned to assets2.2207%3,250
Noncurrent loans to loans0.9737%5,385
Net loans and leases to total assets73.6738%2,042
Net loans and leases to deposits96.6168%1,034
Net loans and leases to core deposits110.0632%1,263
Total domestic deposits to total assets76.2536%6,715
Equity capital to assets8.7120%5,713
Core capital (leverage) ratio8.0602%6,146
Tier 1 risk-based capital ratio10.1740%6,905
Total risk-based capital ratio11.4253%6,892
Memoranda:
Average total assets$634,967,0001,087
Average earning assets$563,560,0001,109
Average equity$55,214,5001,209
Average total loans$476,822,000989
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4171%4,613
Cost of funding earning assets1.4411%5,761
Net interest margin3.9760%2,965
Noninterest income to average assets1.2738%930
Noninterest expense to average assets3.0451%3,963
Loan and lease loss provision to assets0.6985%3,028
Net operating income to assets1.0379%1,711
Return on assets (ROA)1.1073%1,526
Pretax return on assets1.1659%2,049
Return on Equity (ROE)13.7937%820
Retained earnings to average equity (ytd only)4.4084%2,161
Net charge-offs to loans0.6264%3,332
Credit loss provision to net charge-offs150.8727%3,066
Earnings coverage of net charge-offs (x)3.8694%3,161
Efficiency ratio62.9614%5,979
Assets per employee ($millions)3.3144%5,463
Cash dividends to net income (ytd only)*68.0405%1,646
Condition Ratios (%)
Loss allowance to loans1.5013%3,719
Loan loss allowance to noncurrent loans112.1651%2,509
Noncurrent assets plus other real estate owned to assets1.8598%3,582
Noncurrent loans to loans1.3384%4,687
Net loans and leases to total assets74.2447%2,218
Net loans and leases to deposits100.5001%862
Net loans and leases to core deposits121.5595%1,831
Total domestic deposits to total assets73.8753%7,035
Equity capital to assets8.6794%5,619
Core capital (leverage) ratio8.0282%6,121
Tier 1 risk-based capital ratio10.2721%6,614
Total risk-based capital ratio11.5242%6,586
Memoranda:
Average total assets$668,310,4001,035
Average earning assets$598,844,2001,042
Average equity$53,647,8001,230
Average total loans$493,972,400976
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3674%5,103
Cost of funding earning assets1.5048%5,801
Net interest margin3.8626%3,378
Noninterest income to average assets1.1923%1,090
Noninterest expense to average assets3.0047%4,024
Loan and lease loss provision to assets0.5017%3,382
Net operating income to assets1.0988%1,736
Return on assets (ROA)1.1829%1,558
Pretax return on assets1.2393%2,137
Return on Equity (ROE)15.0226%768
Retained earnings to average equity (ytd only)5.4206%2,245
Net charge-offs to loans0.3872%3,718
Credit loss provision to net charge-offs176.1246%2,622
Earnings coverage of net charge-offs (x)5.8007%2,729
Efficiency ratio64.5176%5,658
Assets per employee ($millions)3.4090%5,148
Cash dividends to net income (ytd only)*63.9167%1,460
Condition Ratios (%)
Loss allowance to loans1.3539%4,179
Loan loss allowance to noncurrent loans160.4341%1,798
Noncurrent assets plus other real estate owned to assets1.2274%4,608
Noncurrent loans to loans0.8439%5,606
Net loans and leases to total assets73.7330%2,610
Net loans and leases to deposits100.6185%1,055
Net loans and leases to core deposits121.3878%2,130
Total domestic deposits to total assets73.2797%7,050
Equity capital to assets8.3151%6,489
Core capital (leverage) ratio7.7856%6,623
Tier 1 risk-based capital ratio10.0915%6,889
Total risk-based capital ratio11.3417%6,834
Memoranda:
Average total assets$676,298,2501,024
Average earning assets$606,655,5001,041
Average equity$53,251,7501,256
Average total loans$497,549,500983
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3700%5,302
Cost of funding earning assets1.5743%5,824
Net interest margin3.7957%3,566
Noninterest income to average assets1.0927%1,336
Noninterest expense to average assets2.9770%4,171
Loan and lease loss provision to assets0.3676%3,724
Net operating income to assets1.0963%1,783
Return on assets (ROA)1.1924%1,581
Pretax return on assets1.2544%2,148
Return on Equity (ROE)15.4249%763
Retained earnings to average equity (ytd only)5.9531%2,044
Net charge-offs to loans0.3684%3,343
Credit loss provision to net charge-offs136.3141%3,428
Earnings coverage of net charge-offs (x)5.6401%2,793
Efficiency ratio66.1872%5,519
Assets per employee ($millions)3.2711%5,396
Cash dividends to net income (ytd only)*61.4057%1,627
Condition Ratios (%)
Loss allowance to loans1.2163%4,830
Loan loss allowance to noncurrent loans126.0787%2,337
Noncurrent assets plus other real estate owned to assets1.1215%4,710
Noncurrent loans to loans0.9647%5,292
Net loans and leases to total assets72.9052%2,973
Net loans and leases to deposits100.5170%1,233
Net loans and leases to core deposits115.2314%2,786
Total domestic deposits to total assets72.5302%7,178
Equity capital to assets8.0110%6,734
Core capital (leverage) ratio7.5998%6,904
Tier 1 risk-based capital ratio10.0314%6,884
Total risk-based capital ratio11.2074%6,905
Memoranda:
Average total assets$680,146,6701,035
Average earning assets$610,162,0001,052
Average equity$52,577,3301,291
Average total loans$497,776,330998
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3077%5,866
Cost of funding earning assets1.6480%5,825
Net interest margin3.6597%4,063
Noninterest income to average assets1.2892%858
Noninterest expense to average assets2.9021%4,150
Loan and lease loss provision to assets0.4359%2,749
Net operating income to assets1.1904%1,683
Return on assets (ROA)1.1909%1,792
Pretax return on assets1.2508%2,449
Return on Equity (ROE)15.6807%870
Retained earnings to average equity (ytd only)6.4973%2,417
Net charge-offs to loans0.6052%1,968
Credit loss provision to net charge-offs98.8142%3,827
Earnings coverage of net charge-offs (x)3.8221%3,053
Efficiency ratio63.2506%5,824
Assets per employee ($millions)3.4439%4,962
Cash dividends to net income (ytd only)*58.5652%1,531
Condition Ratios (%)
Loss allowance to loans1.1233%5,303
Loan loss allowance to noncurrent loans231.1934%1,450
Noncurrent assets plus other real estate owned to assets0.8367%5,095
Noncurrent loans to loans0.4859%6,216
Net loans and leases to total assets71.7944%3,286
Net loans and leases to deposits97.8689%1,684
Net loans and leases to core deposits114.3750%2,974
Total domestic deposits to total assets73.3578%6,994
Equity capital to assets7.6978%7,179
Core capital (leverage) ratio7.3240%7,356
Tier 1 risk-based capital ratio9.6230%7,314
Total risk-based capital ratio10.7013%7,417
Memoranda:
Average total assets$688,202,5001,026
Average earning assets$620,384,0001,034
Average equity$52,268,0001,308
Average total loans$501,626,000998
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1160%4,953
Cost of funding earning assets2.4218%4,623
Net interest margin3.6942%4,495
Noninterest income to average assets1.4399%690
Noninterest expense to average assets2.9109%4,412
Loan and lease loss provision to assets0.7298%2,030
Net operating income to assets1.0592%2,312
Return on assets (ROA)1.0661%2,185
Pretax return on assets1.1225%2,944
Return on Equity (ROE)14.1736%1,071
Retained earnings to average equity (ytd only)1.2063%4,505
Net charge-offs to loans0.8371%1,500
Credit loss provision to net charge-offs119.0429%4,525
Earnings coverage of net charge-offs (x)3.0096%4,581
Efficiency ratio61.2063%6,124
Assets per employee ($millions)3.4905%4,694
Cash dividends to net income (ytd only)*91.4894%1,249
Condition Ratios (%)
Loss allowance to loans1.1184%5,145
Loan loss allowance to noncurrent loans111.6025%3,143
Noncurrent assets plus other real estate owned to assets1.0635%4,163
Noncurrent loans to loans1.0021%4,588
Net loans and leases to total assets72.3507%3,510
Net loans and leases to deposits99.4515%1,912
Net loans and leases to core deposits112.3539%3,527
Total domestic deposits to total assets72.7497%6,876
Equity capital to assets7.4917%7,385
Core capital (leverage) ratio7.2259%7,497
Tier 1 risk-based capital ratio9.4121%7,402
Total risk-based capital ratio10.4868%7,527
Memoranda:
Average total assets$661,300,6001,012
Average earning assets$593,602,4001,035
Average equity$49,740,4001,364
Average total loans$484,268,600989