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Blackhawk Bank, Performance and Condition Ratios

2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.3403%4,603
Cost of funding earning assets0.3086%4,353
Net interest margin1.0317%4,557
Noninterest income to average assets0.1800%3,904
Noninterest expense to average assets0.5187%4,559
Loan and lease loss provision to assets0.5400%142
Net operating income to assets0.0284%4,358
Return on assets (ROA)0.2937%4,126
Pretax return on assets0.4050%4,054
Return on Equity (ROE)3.5600%4,037
Retained earnings to average equity (ytd only)3.5638%3,367
Net charge-offs to loans-0.0033%3,658
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio38.3859%4,398
Assets per employee ($millions)6.4952%2,332
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.2517%2,098
Loan loss allowance to noncurrent loans224.4428%2,366
Noncurrent assets plus other real estate owned to assets0.2800%1,885
Noncurrent loans to loans0.5577%1,432
Net loans and leases to total assets49.5700%3,648
Net loans and leases to deposits55.6651%3,728
Net loans and leases to core deposits56.6190%3,829
Total domestic deposits to total assets89.0600%1,223
Equity capital to assets10.5059%1,553
Core capital (leverage) ratio5.9714%4,571
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio9.3243%2,908
Memoranda:
Average total assets$1,345,671,500777
Average earning assets$1,238,203,750776
Average equity$110,889,000876
Average total loans$773,802,500884
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7809%1,666
Cost of funding earning assets0.8475%2,547
Net interest margin3.9334%1,399
Noninterest income to average assets0.9900%585
Noninterest expense to average assets3.1816%826
Loan and lease loss provision to assets0.1300%852
Net operating income to assets0.9944%2,549
Return on assets (ROA)0.9942%2,518
Pretax return on assets1.3422%2,048
Return on Equity (ROE)13.5500%1,869
Retained earnings to average equity (ytd only)9.3708%1,845
Net charge-offs to loans0.0342%1,037
Credit loss provision to net charge-offs619.4030%493
Earnings coverage of net charge-offs (x)71.5522%943
Efficiency ratio67.8750%1,987
Assets per employee ($millions)5.4161%3,300
Cash dividends to net income (ytd only)*30.8356%1,700
Condition Ratios (%)
Loss allowance to loans1.4631%1,386
Loan loss allowance to noncurrent loans415.9956%1,825
Noncurrent assets plus other real estate owned to assets0.2130%2,072
Noncurrent loans to loans0.3517%1,885
Net loans and leases to total assets59.6700%2,697
Net loans and leases to deposits66.9321%2,855
Net loans and leases to core deposits68.3408%3,068
Total domestic deposits to total assets89.1500%1,492
Equity capital to assets7.5582%3,530
Core capital (leverage) ratio8.6644%4,019
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5400%2,167
Memoranda:
Average total assets$1,304,767,000808
Average earning assets$1,215,831,500791
Average equity$95,744,500982
Average total loans$783,129,500874
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8610%2,093
Cost of funding earning assets0.2591%3,247
Net interest margin3.6019%1,640
Noninterest income to average assets1.1400%514
Noninterest expense to average assets3.1587%767
Loan and lease loss provision to assets-0.0700%4,460
Net operating income to assets1.0567%2,348
Return on assets (ROA)1.0448%2,340
Pretax return on assets1.4093%1,739
Return on Equity (ROE)13.7000%1,603
Retained earnings to average equity (ytd only)11.7372%727
Net charge-offs to loans0.1937%422
Credit loss provision to net charge-offs-64.9795%4,568
Earnings coverage of net charge-offs (x)12.3502%2,114
Efficiency ratio69.4411%1,761
Assets per employee ($millions)5.3243%3,393
Cash dividends to net income (ytd only)*14.3451%3,101
Condition Ratios (%)
Loss allowance to loans1.1138%2,830
Loan loss allowance to noncurrent loans287.0224%2,241
Noncurrent assets plus other real estate owned to assets0.2322%1,983
Noncurrent loans to loans0.3881%1,756
Net loans and leases to total assets58.8300%2,746
Net loans and leases to deposits64.5894%2,989
Net loans and leases to core deposits65.5079%3,167
Total domestic deposits to total assets91.0800%924
Equity capital to assets7.1213%3,604
Core capital (leverage) ratio8.5609%4,083
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8949%2,418
Memoranda:
Average total assets$1,334,376,400768
Average earning assets$1,248,534,800760
Average equity$101,744,600933
Average total loans$754,895,600856
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6344%2,247
Cost of funding earning assets0.1687%3,640
Net interest margin3.4657%1,764
Noninterest income to average assets1.1700%523
Noninterest expense to average assets3.1803%704
Loan and lease loss provision to assets-0.1400%4,624
Net operating income to assets1.0234%2,391
Return on assets (ROA)1.0066%2,424
Pretax return on assets1.3556%1,863
Return on Equity (ROE)12.9900%1,699
Retained earnings to average equity (ytd only)11.7066%864
Net charge-offs to loans0.1467%449
Credit loss provision to net charge-offs-170.1094%4,656
Earnings coverage of net charge-offs (x)15.1021%1,853
Efficiency ratio71.4060%1,600
Assets per employee ($millions)5.5632%3,158
Cash dividends to net income (ytd only)*9.8902%2,836
Condition Ratios (%)
Loss allowance to loans1.1425%2,826
Loan loss allowance to noncurrent loans273.5710%2,285
Noncurrent assets plus other real estate owned to assets0.2368%2,045
Noncurrent loans to loans0.4176%1,766
Net loans and leases to total assets56.0600%2,895
Net loans and leases to deposits60.6550%3,140
Net loans and leases to core deposits61.5334%3,266
Total domestic deposits to total assets92.4200%737
Equity capital to assets6.5689%3,708
Core capital (leverage) ratio8.3796%4,160
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8375%2,538
Memoranda:
Average total assets$1,339,197,250772
Average earning assets$1,254,507,750761
Average equity$103,767,750933
Average total loans$748,026,500858
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4380%2,334
Cost of funding earning assets0.1162%4,011
Net interest margin3.3218%1,846
Noninterest income to average assets1.2025%475
Noninterest expense to average assets3.2194%609
Loan and lease loss provision to assets-0.2260%4,694
Net operating income to assets0.9878%2,203
Return on assets (ROA)0.9725%2,225
Pretax return on assets1.3084%1,723
Return on Equity (ROE)11.9240%1,687
Retained earnings to average equity (ytd only)11.9240%614
Net charge-offs to loans0.0352%1,032
Credit loss provision to net charge-offs-1,153.8462%3,579
Earnings coverage of net charge-offs (x)56.2615%1,105
Efficiency ratio73.8914%1,522
Assets per employee ($millions)5.2219%3,494
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.2244%2,567
Loan loss allowance to noncurrent loans230.1818%2,493
Noncurrent assets plus other real estate owned to assets0.3086%1,776
Noncurrent loans to loans0.5319%1,557
Net loans and leases to total assets57.2996%2,599
Net loans and leases to deposits62.3952%2,858
Net loans and leases to core deposits63.2897%3,020
Total domestic deposits to total assets91.8334%915
Equity capital to assets7.4310%3,513
Core capital (leverage) ratio8.2072%4,176
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6877%2,616
Memoranda:
Average total assets$1,327,559,000773
Average earning assets$1,246,419,000770
Average equity$108,269,000913
Average total loans$737,641,667854
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2961%2,398
Cost of funding earning assets0.1035%4,091
Net interest margin3.1927%1,905
Noninterest income to average assets1.2224%477
Noninterest expense to average assets3.0653%728
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.8707%2,413
Return on assets (ROA)0.8554%2,459
Pretax return on assets1.1423%2,010
Return on Equity (ROE)10.0377%1,959
Retained earnings to average equity (ytd only)10.0377%1,010
Net charge-offs to loans0.0724%633
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)29.5538%1,138
Efficiency ratio71.8670%1,991
Assets per employee ($millions)5.1678%3,607
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.5114%1,519
Loan loss allowance to noncurrent loans220.6945%2,485
Noncurrent assets plus other real estate owned to assets0.3838%1,577
Noncurrent loans to loans0.6849%1,384
Net loans and leases to total assets54.3685%2,709
Net loans and leases to deposits59.7062%2,929
Net loans and leases to core deposits60.4346%3,103
Total domestic deposits to total assets91.0600%1,004
Equity capital to assets8.0528%3,528
Core capital (leverage) ratio8.2944%4,077
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1119%2,573
Memoranda:
Average total assets$1,322,941,000784
Average earning assets$1,244,974,500781
Average equity$112,735,000908
Average total loans$718,726,000860
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5357%2,553
Cost of funding earning assets0.1352%4,112
Net interest margin3.4005%2,033
Noninterest income to average assets1.5273%485
Noninterest expense to average assets3.1806%747
Loan and lease loss provision to assets0.0397%2,247
Net operating income to assets1.1135%2,232
Return on assets (ROA)1.1117%2,300
Pretax return on assets1.5004%1,724
Return on Equity (ROE)11.6657%1,925
Retained earnings to average equity (ytd only)4.7844%2,874
Net charge-offs to loans0.0202%1,872
Credit loss provision to net charge-offs359.7122%970
Earnings coverage of net charge-offs (x)139.5971%707
Efficiency ratio66.6869%2,164
Assets per employee ($millions)5.2703%3,499
Cash dividends to net income (ytd only)*58.9876%1,128
Condition Ratios (%)
Loss allowance to loans1.5669%1,338
Loan loss allowance to noncurrent loans204.8803%2,551
Noncurrent assets plus other real estate owned to assets0.4107%1,592
Noncurrent loans to loans0.7648%1,327
Net loans and leases to total assets52.6221%2,998
Net loans and leases to deposits58.3547%3,222
Net loans and leases to core deposits59.0824%3,385
Total domestic deposits to total assets90.1763%875
Equity capital to assets8.9866%3,631
Core capital (leverage) ratio8.3064%4,118
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4838%2,456
Memoranda:
Average total assets$1,258,072,200792
Average earning assets$1,182,293,600785
Average equity$119,889,800863
Average total loans$689,623,200889
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6156%2,509
Cost of funding earning assets0.1465%4,143
Net interest margin3.4691%1,958
Noninterest income to average assets1.5688%504
Noninterest expense to average assets3.1773%740
Loan and lease loss provision to assets0.0538%1,908
Net operating income to assets1.1803%2,229
Return on assets (ROA)1.1793%2,291
Pretax return on assets1.5920%1,728
Return on Equity (ROE)12.1895%1,983
Retained earnings to average equity (ytd only)5.2466%3,123
Net charge-offs to loans0.0078%2,025
Credit loss provision to net charge-offs1,250.0000%457
Earnings coverage of net charge-offs (x)383.1250%363
Efficiency ratio65.2045%2,218
Assets per employee ($millions)5.1007%3,605
Cash dividends to net income (ytd only)*56.9580%935
Condition Ratios (%)
Loss allowance to loans1.6764%1,156
Loan loss allowance to noncurrent loans143.4194%2,970
Noncurrent assets plus other real estate owned to assets0.5993%1,273
Noncurrent loans to loans1.1688%952
Net loans and leases to total assets50.4162%3,359
Net loans and leases to deposits56.2648%3,557
Net loans and leases to core deposits57.0302%3,699
Total domestic deposits to total assets89.6051%963
Equity capital to assets9.2415%3,611
Core capital (leverage) ratio8.0864%4,399
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4400%2,189
Memoranda:
Average total assets$1,240,564,000813
Average earning assets$1,164,199,250803
Average equity$120,024,250875
Average total loans$684,528,500912
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6889%2,370
Cost of funding earning assets0.1501%4,203
Net interest margin3.5388%1,749
Noninterest income to average assets1.6171%473
Noninterest expense to average assets3.1616%766
Loan and lease loss provision to assets0.0820%1,486
Net operating income to assets1.2512%2,018
Return on assets (ROA)1.2473%2,093
Pretax return on assets1.6883%1,510
Return on Equity (ROE)12.6886%1,827
Retained earnings to average equity (ytd only)6.4286%2,648
Net charge-offs to loans0.0102%1,770
Credit loss provision to net charge-offs1,428.5714%374
Earnings coverage of net charge-offs (x)309.1143%364
Efficiency ratio63.3783%2,511
Assets per employee ($millions)5.3310%3,310
Cash dividends to net income (ytd only)*49.3356%1,252
Condition Ratios (%)
Loss allowance to loans1.6563%1,158
Loan loss allowance to noncurrent loans136.4730%2,986
Noncurrent assets plus other real estate owned to assets0.6199%1,339
Noncurrent loans to loans1.2136%992
Net loans and leases to total assets50.2283%3,540
Net loans and leases to deposits56.0012%3,709
Net loans and leases to core deposits56.5753%3,856
Total domestic deposits to total assets89.6915%929
Equity capital to assets9.1805%3,624
Core capital (leverage) ratio8.2497%4,215
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8447%2,029
Memoranda:
Average total assets$1,218,826,000823
Average earning assets$1,143,389,667811
Average equity$119,808,000871
Average total loans$689,522,333913
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7753%2,171
Cost of funding earning assets0.1603%4,236
Net interest margin3.6150%1,543
Noninterest income to average assets1.7597%465
Noninterest expense to average assets3.3528%556
Loan and lease loss provision to assets0.1717%722
Net operating income to assets1.1990%2,153
Return on assets (ROA)1.1895%2,260
Pretax return on assets1.6082%1,704
Return on Equity (ROE)11.6618%2,142
Retained earnings to average equity (ytd only)4.9267%3,240
Net charge-offs to loans0.0851%768
Credit loss provision to net charge-offs337.8378%709
Earnings coverage of net charge-offs (x)35.2500%1,027
Efficiency ratio64.4812%2,411
Assets per employee ($millions)4.7512%3,885
Cash dividends to net income (ytd only)*57.7534%945
Condition Ratios (%)
Loss allowance to loans1.5623%1,388
Loan loss allowance to noncurrent loans174.7524%2,573
Noncurrent assets plus other real estate owned to assets0.5313%1,790
Noncurrent loans to loans0.8940%1,513
Net loans and leases to total assets58.4984%2,744
Net loans and leases to deposits65.5296%2,971
Net loans and leases to core deposits66.2707%3,219
Total domestic deposits to total assets89.2702%1,189
Equity capital to assets9.8379%2,855
Core capital (leverage) ratio8.7229%3,891
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9151%1,924
Memoranda:
Average total assets$1,164,531,500841
Average earning assets$1,090,465,000834
Average equity$118,780,500872
Average total loans$695,300,000907
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2215%2,077
Cost of funding earning assets0.3038%4,121
Net interest margin3.9177%1,168
Noninterest income to average assets1.8228%384
Noninterest expense to average assets3.4270%765
Loan and lease loss provision to assets0.7186%217
Net operating income to assets0.9981%2,297
Return on assets (ROA)1.0433%2,273
Pretax return on assets1.3717%1,748
Return on Equity (ROE)9.5702%2,168
Retained earnings to average equity (ytd only)4.3662%2,612
Net charge-offs to loans0.7138%209
Credit loss provision to net charge-offs159.0624%2,372
Earnings coverage of net charge-offs (x)4.5004%2,972
Efficiency ratio62.0073%3,131
Assets per employee ($millions)4.5271%3,890
Cash dividends to net income (ytd only)*54.3774%1,617
Condition Ratios (%)
Loss allowance to loans1.5851%1,335
Loan loss allowance to noncurrent loans153.4864%2,776
Noncurrent assets plus other real estate owned to assets0.6197%1,700
Noncurrent loans to loans1.0327%1,380
Net loans and leases to total assets59.0511%2,974
Net loans and leases to deposits67.6334%3,117
Net loans and leases to core deposits68.5223%3,372
Total domestic deposits to total assets87.3106%1,792
Equity capital to assets10.5827%2,602
Core capital (leverage) ratio9.2440%3,398
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8777%1,895
Memoranda:
Average total assets$1,057,629,600837
Average earning assets$981,958,200833
Average equity$115,295,400856
Average total loans$669,373,600901
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3445%1,981
Cost of funding earning assets0.3438%4,092
Net interest margin4.0007%1,113
Noninterest income to average assets1.7540%384
Noninterest expense to average assets3.4447%760
Loan and lease loss provision to assets0.7551%260
Net operating income to assets0.9645%2,470
Return on assets (ROA)0.9831%2,534
Pretax return on assets1.2843%2,114
Return on Equity (ROE)8.9473%2,418
Retained earnings to average equity (ytd only)3.6924%3,198
Net charge-offs to loans0.7765%174
Credit loss provision to net charge-offs151.5191%2,315
Earnings coverage of net charge-offs (x)4.0448%2,860
Efficiency ratio62.3085%3,020
Assets per employee ($millions)4.5607%3,771
Cash dividends to net income (ytd only)*58.7314%1,167
Condition Ratios (%)
Loss allowance to loans1.4389%1,580
Loan loss allowance to noncurrent loans112.9245%3,107
Noncurrent assets plus other real estate owned to assets0.7849%1,474
Noncurrent loans to loans1.2742%1,172
Net loans and leases to total assets60.7045%3,138
Net loans and leases to deposits70.5412%3,260
Net loans and leases to core deposits71.4481%3,523
Total domestic deposits to total assets86.0553%2,042
Equity capital to assets10.5408%2,756
Core capital (leverage) ratio9.0881%3,669
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0435%1,816
Memoranda:
Average total assets$1,039,095,250836
Average earning assets$962,670,250832
Average equity$114,176,250856
Average total loans$666,945,750897
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4217%2,153
Cost of funding earning assets0.3997%4,038
Net interest margin4.0220%1,269
Noninterest income to average assets1.5704%418
Noninterest expense to average assets3.4593%783
Loan and lease loss provision to assets0.6466%454
Net operating income to assets0.9113%2,648
Return on assets (ROA)0.9374%2,679
Pretax return on assets1.2184%2,303
Return on Equity (ROE)8.4049%2,599
Retained earnings to average equity (ytd only)3.0865%3,346
Net charge-offs to loans0.3369%481
Credit loss provision to net charge-offs294.5946%1,635
Earnings coverage of net charge-offs (x)8.3468%2,294
Efficiency ratio64.5441%2,740
Assets per employee ($millions)4.4642%3,832
Cash dividends to net income (ytd only)*63.2778%1,142
Condition Ratios (%)
Loss allowance to loans1.4269%1,495
Loan loss allowance to noncurrent loans119.8766%2,962
Noncurrent assets plus other real estate owned to assets0.8367%1,483
Noncurrent loans to loans1.1903%1,316
Net loans and leases to total assets63.5477%2,933
Net loans and leases to deposits73.9413%3,080
Net loans and leases to core deposits75.3003%3,344
Total domestic deposits to total assets85.9435%2,034
Equity capital to assets10.5681%2,689
Core capital (leverage) ratio9.2088%3,676
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5348%1,987
Memoranda:
Average total assets$1,011,484,667839
Average earning assets$935,756,333844
Average equity$112,815,000861
Average total loans$658,926,667899
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4881%2,343
Cost of funding earning assets0.5424%3,729
Net interest margin3.9457%1,542
Noninterest income to average assets1.3155%517
Noninterest expense to average assets3.5227%903
Loan and lease loss provision to assets0.3161%980
Net operating income to assets0.8648%2,635
Return on assets (ROA)0.8743%2,708
Pretax return on assets1.1255%2,438
Return on Equity (ROE)7.6120%2,676
Retained earnings to average equity (ytd only)2.2160%3,362
Net charge-offs to loans0.3449%413
Credit loss provision to net charge-offs139.8537%1,624
Earnings coverage of net charge-offs (x)6.3254%1,994
Efficiency ratio70.1735%2,325
Assets per employee ($millions)3.8077%4,164
Cash dividends to net income (ytd only)*70.8885%1,176
Condition Ratios (%)
Loss allowance to loans1.2851%2,208
Loan loss allowance to noncurrent loans77.5223%3,608
Noncurrent assets plus other real estate owned to assets1.0925%1,195
Noncurrent loans to loans1.6578%929
Net loans and leases to total assets64.3017%3,032
Net loans and leases to deposits73.9822%3,278
Net loans and leases to core deposits76.1192%3,485
Total domestic deposits to total assets86.9150%1,594
Equity capital to assets11.4282%2,503
Core capital (leverage) ratio9.9827%3,477
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6375%2,427
Memoranda:
Average total assets$968,127,000848
Average earning assets$892,322,500851
Average equity$111,193,000863
Average total loans$634,398,500898
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4387%3,142
Cost of funding earning assets0.7314%3,013
Net interest margin3.7073%2,794
Noninterest income to average assets1.4190%471
Noninterest expense to average assets3.4773%996
Loan and lease loss provision to assets0.2027%1,004
Net operating income to assets0.8815%3,279
Return on assets (ROA)0.9775%2,996
Pretax return on assets1.2809%2,569
Return on Equity (ROE)9.1856%2,670
Retained earnings to average equity (ytd only)3.7360%3,115
Net charge-offs to loans0.2272%898
Credit loss provision to net charge-offs142.8571%1,797
Earnings coverage of net charge-offs (x)9.5999%2,646
Efficiency ratio71.0249%2,019
Assets per employee ($millions)4.1443%3,705
Cash dividends to net income (ytd only)*59.3273%1,601
Condition Ratios (%)
Loss allowance to loans1.2528%2,160
Loan loss allowance to noncurrent loans74.6194%3,679
Noncurrent assets plus other real estate owned to assets1.1125%1,092
Noncurrent loans to loans1.6790%823
Net loans and leases to total assets65.0976%3,058
Net loans and leases to deposits75.1209%3,248
Net loans and leases to core deposits77.5370%3,475
Total domestic deposits to total assets86.6570%1,780
Equity capital to assets11.5433%2,498
Core capital (leverage) ratio10.0553%3,454
Tier 1 risk-based capital ratio12.7340%3,928
Total risk-based capital ratio13.8014%3,925
Memoranda:
Average total assets$991,543,000790
Average earning assets$914,845,800787
Average equity$105,513,200864
Average total loans$619,164,200891
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3987%3,360
Cost of funding earning assets0.7606%2,917
Net interest margin3.6381%3,142
Noninterest income to average assets1.3528%504
Noninterest expense to average assets3.4609%998
Loan and lease loss provision to assets0.1375%1,405
Net operating income to assets0.8346%3,563
Return on assets (ROA)0.9630%3,190
Pretax return on assets1.2728%2,744
Return on Equity (ROE)9.2382%2,785
Retained earnings to average equity (ytd only)3.7972%3,497
Net charge-offs to loans0.0097%3,023
Credit loss provision to net charge-offs2,288.8889%178
Earnings coverage of net charge-offs (x)207.7503%433
Efficiency ratio72.7141%1,737
Assets per employee ($millions)4.1934%3,624
Cash dividends to net income (ytd only)*58.8970%1,329
Condition Ratios (%)
Loss allowance to loans1.2828%2,043
Loan loss allowance to noncurrent loans147.9033%2,627
Noncurrent assets plus other real estate owned to assets0.6113%2,168
Noncurrent loans to loans0.8673%1,844
Net loans and leases to total assets65.8441%3,066
Net loans and leases to deposits75.7418%3,320
Net loans and leases to core deposits78.8242%3,482
Total domestic deposits to total assets86.9323%1,552
Equity capital to assets11.3809%2,758
Core capital (leverage) ratio9.7100%3,958
Tier 1 risk-based capital ratio12.0119%4,411
Total risk-based capital ratio13.0793%4,389
Memoranda:
Average total assets$999,058,750784
Average earning assets$921,521,250780
Average equity$104,144,750869
Average total loans$615,495,000896
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7442%2,244
Cost of funding earning assets0.8555%2,374
Net interest margin3.8887%2,272
Noninterest income to average assets1.4684%416
Noninterest expense to average assets3.5298%923
Loan and lease loss provision to assets0.1081%1,736
Net operating income to assets1.0931%2,553
Return on assets (ROA)1.1204%2,517
Pretax return on assets1.4571%2,005
Return on Equity (ROE)11.4695%1,801
Retained earnings to average equity (ytd only)3.4807%3,498
Net charge-offs to loans0.0142%2,628
Credit loss provision to net charge-offs1,125.0000%308
Earnings coverage of net charge-offs (x)159.3500%473
Efficiency ratio69.7542%2,263
Assets per employee ($millions)4.3496%3,368
Cash dividends to net income (ytd only)*69.6528%1,118
Condition Ratios (%)
Loss allowance to loans1.3250%1,904
Loan loss allowance to noncurrent loans228.7865%1,950
Noncurrent assets plus other real estate owned to assets0.4207%2,831
Noncurrent loans to loans0.5791%2,522
Net loans and leases to total assets68.0408%2,807
Net loans and leases to deposits77.4100%3,202
Net loans and leases to core deposits80.1661%3,405
Total domestic deposits to total assets87.8966%1,147
Equity capital to assets9.9573%4,011
Core capital (leverage) ratio9.1856%4,476
Tier 1 risk-based capital ratio10.8244%4,983
Total risk-based capital ratio11.9354%4,954
Memoranda:
Average total assets$832,901,670938
Average earning assets$769,363,000937
Average equity$81,363,6701,061
Average total loans$562,830,670958
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7596%2,033
Cost of funding earning assets0.8438%2,308
Net interest margin3.9158%2,140
Noninterest income to average assets1.3537%468
Noninterest expense to average assets3.5344%919
Loan and lease loss provision to assets0.1309%1,332
Net operating income to assets1.0066%2,816
Return on assets (ROA)1.0154%2,830
Pretax return on assets1.3145%2,392
Return on Equity (ROE)10.4989%2,154
Retained earnings to average equity (ytd only)-2.0296%4,746
Net charge-offs to loans0.0464%1,611
Credit loss provision to net charge-offs421.8750%674
Earnings coverage of net charge-offs (x)46.2344%1,073
Efficiency ratio71.1345%2,166
Assets per employee ($millions)4.3972%3,340
Cash dividends to net income (ytd only)*119.3317%469
Condition Ratios (%)
Loss allowance to loans1.3734%1,773
Loan loss allowance to noncurrent loans234.9004%1,924
Noncurrent assets plus other real estate owned to assets0.4017%2,979
Noncurrent loans to loans0.5847%2,585
Net loans and leases to total assets64.8541%3,186
Net loans and leases to deposits72.1084%3,596
Net loans and leases to core deposits75.2665%3,712
Total domestic deposits to total assets89.9398%468
Equity capital to assets9.6400%4,139
Core capital (leverage) ratio8.9205%4,704
Tier 1 risk-based capital ratio11.2889%4,848
Total risk-based capital ratio12.4450%4,796
Memoranda:
Average total assets$825,268,500954
Average earning assets$761,829,500945
Average equity$79,818,0001,073
Average total loans$551,821,500981
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5754%2,211
Cost of funding earning assets0.6442%2,431
Net interest margin3.9312%2,222
Noninterest income to average assets1.5324%393
Noninterest expense to average assets3.5991%873
Loan and lease loss provision to assets0.1544%1,364
Net operating income to assets1.0907%2,643
Return on assets (ROA)1.0889%2,642
Pretax return on assets1.3849%2,192
Return on Equity (ROE)10.9161%2,119
Retained earnings to average equity (ytd only)6.4573%1,947
Net charge-offs to loans-0.1286%5,199
Credit loss provision to net charge-offs-179.6043%4,462
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.0120%2,186
Assets per employee ($millions)4.2898%3,477
Cash dividends to net income (ytd only)*40.8457%2,475
Condition Ratios (%)
Loss allowance to loans1.3241%1,930
Loan loss allowance to noncurrent loans315.2491%1,584
Noncurrent assets plus other real estate owned to assets0.2984%3,380
Noncurrent loans to loans0.4200%3,033
Net loans and leases to total assets67.1015%2,984
Net loans and leases to deposits78.7694%3,071
Net loans and leases to core deposits84.7944%3,017
Total domestic deposits to total assets85.1873%2,566
Equity capital to assets9.7043%3,946
Core capital (leverage) ratio9.3786%4,262
Tier 1 risk-based capital ratio11.3553%4,793
Total risk-based capital ratio12.4801%4,770
Memoranda:
Average total assets$764,475,200983
Average earning assets$701,669,200987
Average equity$76,254,6001,073
Average total loans$511,002,2001,028
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5233%2,215
Cost of funding earning assets0.5925%2,528
Net interest margin3.9308%2,194
Noninterest income to average assets1.5569%403
Noninterest expense to average assets3.6041%852
Loan and lease loss provision to assets0.1827%997
Net operating income to assets1.0892%2,712
Return on assets (ROA)1.0878%2,729
Pretax return on assets1.3755%2,321
Return on Equity (ROE)10.8261%2,248
Retained earnings to average equity (ytd only)7.0315%2,111
Net charge-offs to loans-0.1807%5,282
Credit loss provision to net charge-offs-151.9174%4,282
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.7929%2,231
Assets per employee ($millions)4.0928%3,742
Cash dividends to net income (ytd only)*35.0506%2,314
Condition Ratios (%)
Loss allowance to loans1.4148%1,643
Loan loss allowance to noncurrent loans214.4854%2,137
Noncurrent assets plus other real estate owned to assets0.4677%2,815
Noncurrent loans to loans0.6596%2,434
Net loans and leases to total assets65.3016%3,277
Net loans and leases to deposits73.0939%3,670
Net loans and leases to core deposits83.3263%3,211
Total domestic deposits to total assets89.3394%723
Equity capital to assets9.9358%3,713
Core capital (leverage) ratio9.3200%4,375
Tier 1 risk-based capital ratio12.2336%4,357
Total risk-based capital ratio13.4396%4,284
Memoranda:
Average total assets$751,826,500999
Average earning assets$689,925,750999
Average equity$75,544,0001,079
Average total loans$500,187,0001,047
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3625%2,532
Cost of funding earning assets0.5328%2,744
Net interest margin3.8297%2,457
Noninterest income to average assets1.4980%429
Noninterest expense to average assets3.5954%871
Loan and lease loss provision to assets0.2359%672
Net operating income to assets0.9507%3,231
Return on assets (ROA)0.9494%3,248
Pretax return on assets1.1843%2,998
Return on Equity (ROE)9.4123%2,847
Retained earnings to average equity (ytd only)5.6910%2,728
Net charge-offs to loans-0.0467%4,897
Credit loss provision to net charge-offs-758.6207%4,454
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6614%2,058
Assets per employee ($millions)4.3532%3,349
Cash dividends to net income (ytd only)*39.5369%2,151
Condition Ratios (%)
Loss allowance to loans1.2959%2,185
Loan loss allowance to noncurrent loans165.4953%2,581
Noncurrent assets plus other real estate owned to assets0.5489%2,586
Noncurrent loans to loans0.7830%2,165
Net loans and leases to total assets63.5249%3,450
Net loans and leases to deposits70.7337%3,799
Net loans and leases to core deposits85.9490%2,930
Total domestic deposits to total assets89.8085%629
Equity capital to assets9.7056%3,909
Core capital (leverage) ratio9.4627%4,155
Tier 1 risk-based capital ratio12.0852%4,452
Total risk-based capital ratio13.1867%4,412
Memoranda:
Average total assets$745,951,6701,006
Average earning assets$685,476,0001,010
Average equity$75,241,6701,083
Average total loans$497,024,3301,055
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2382%2,750
Cost of funding earning assets0.4662%3,076
Net interest margin3.7720%2,536
Noninterest income to average assets1.3783%488
Noninterest expense to average assets3.5326%942
Loan and lease loss provision to assets0.2797%487
Net operating income to assets0.8399%3,556
Return on assets (ROA)0.8106%3,673
Pretax return on assets0.9916%3,566
Return on Equity (ROE)7.8776%3,432
Retained earnings to average equity (ytd only)4.1467%3,539
Net charge-offs to loans-0.1091%5,232
Credit loss provision to net charge-offs-377.7778%3,940
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9941%2,042
Assets per employee ($millions)4.1586%3,715
Cash dividends to net income (ytd only)*47.3613%1,582
Condition Ratios (%)
Loss allowance to loans1.2206%2,683
Loan loss allowance to noncurrent loans168.5119%2,556
Noncurrent assets plus other real estate owned to assets0.5620%2,644
Noncurrent loans to loans0.7243%2,398
Net loans and leases to total assets67.2262%2,862
Net loans and leases to deposits75.1010%3,308
Net loans and leases to core deposits89.2716%2,515
Total domestic deposits to total assets89.5144%880
Equity capital to assets10.0859%3,517
Core capital (leverage) ratio9.6757%3,875
Tier 1 risk-based capital ratio12.1282%4,478
Total risk-based capital ratio13.1945%4,478
Memoranda:
Average total assets$729,312,5001,033
Average earning assets$669,242,5001,043
Average equity$75,048,0001,094
Average total loans$494,784,5001,067
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0293%3,311
Cost of funding earning assets0.3388%3,809
Net interest margin3.6904%2,831
Noninterest income to average assets1.4842%481
Noninterest expense to average assets3.4235%1,165
Loan and lease loss provision to assets0.2597%710
Net operating income to assets0.8707%2,860
Return on assets (ROA)0.8634%2,921
Pretax return on assets1.1650%2,923
Return on Equity (ROE)8.2484%2,670
Retained earnings to average equity (ytd only)5.1298%2,042
Net charge-offs to loans0.3120%816
Credit loss provision to net charge-offs129.6162%2,026
Earnings coverage of net charge-offs (x)7.1600%3,082
Efficiency ratio70.4695%2,475
Assets per employee ($millions)4.2761%3,529
Cash dividends to net income (ytd only)*37.8088%2,959
Condition Ratios (%)
Loss allowance to loans1.1328%3,170
Loan loss allowance to noncurrent loans150.4785%2,792
Noncurrent assets plus other real estate owned to assets0.5745%2,631
Noncurrent loans to loans0.7528%2,319
Net loans and leases to total assets66.8557%2,986
Net loans and leases to deposits77.1003%3,218
Net loans and leases to core deposits87.3222%2,786
Total domestic deposits to total assets86.7127%2,141
Equity capital to assets10.5008%3,170
Core capital (leverage) ratio9.9195%3,558
Tier 1 risk-based capital ratio12.3918%4,268
Total risk-based capital ratio13.3782%4,337
Memoranda:
Average total assets$689,243,4001,059
Average earning assets$630,114,6001,073
Average equity$72,147,4001,101
Average total loans$442,597,6001,143
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9861%3,399
Cost of funding earning assets0.3129%4,001
Net interest margin3.6732%2,849
Noninterest income to average assets1.4689%498
Noninterest expense to average assets3.3427%1,258
Loan and lease loss provision to assets0.2112%893
Net operating income to assets0.9490%2,784
Return on assets (ROA)0.9623%2,774
Pretax return on assets1.2904%2,539
Return on Equity (ROE)9.2008%2,496
Retained earnings to average equity (ytd only)6.2099%2,103
Net charge-offs to loans0.0954%1,835
Credit loss provision to net charge-offs349.5146%866
Earnings coverage of net charge-offs (x)24.5598%1,763
Efficiency ratio69.2579%2,661
Assets per employee ($millions)4.2594%3,547
Cash dividends to net income (ytd only)*32.5071%2,634
Condition Ratios (%)
Loss allowance to loans1.2569%2,604
Loan loss allowance to noncurrent loans100.2051%3,524
Noncurrent assets plus other real estate owned to assets0.8815%1,953
Noncurrent loans to loans1.2543%1,525
Net loans and leases to total assets65.5500%3,170
Net loans and leases to deposits75.2637%3,445
Net loans and leases to core deposits87.0878%2,866
Total domestic deposits to total assets87.0937%1,831
Equity capital to assets10.7338%3,134
Core capital (leverage) ratio9.9207%3,673
Tier 1 risk-based capital ratio12.6690%4,227
Total risk-based capital ratio13.7463%4,236
Memoranda:
Average total assets$681,956,0001,077
Average earning assets$623,347,5001,089
Average equity$71,325,0001,121
Average total loans$431,799,5001,167
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9094%3,525
Cost of funding earning assets0.2884%4,205
Net interest margin3.6209%2,948
Noninterest income to average assets1.4255%533
Noninterest expense to average assets3.3294%1,315
Loan and lease loss provision to assets0.2133%835
Net operating income to assets0.8980%2,923
Return on assets (ROA)0.8951%2,994
Pretax return on assets1.1855%2,825
Return on Equity (ROE)8.6371%2,700
Retained earnings to average equity (ytd only)5.9210%2,165
Net charge-offs to loans0.0952%1,667
Credit loss provision to net charge-offs360.0000%848
Earnings coverage of net charge-offs (x)23.6700%1,670
Efficiency ratio70.3588%2,609
Assets per employee ($millions)4.2806%3,469
Cash dividends to net income (ytd only)*31.4465%2,730
Condition Ratios (%)
Loss allowance to loans1.2920%2,451
Loan loss allowance to noncurrent loans98.8378%3,587
Noncurrent assets plus other real estate owned to assets0.8882%1,999
Noncurrent loans to loans1.3072%1,475
Net loans and leases to total assets62.2234%3,607
Net loans and leases to deposits71.8087%3,760
Net loans and leases to core deposits76.8034%3,698
Total domestic deposits to total assets86.6517%2,112
Equity capital to assets10.7866%3,044
Core capital (leverage) ratio9.8823%3,674
Tier 1 risk-based capital ratio13.1903%3,889
Total risk-based capital ratio14.2841%3,894
Memoranda:
Average total assets$675,008,6701,086
Average earning assets$616,418,3301,097
Average equity$69,954,3301,144
Average total loans$420,216,6701,192
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8308%3,652
Cost of funding earning assets0.2718%4,338
Net interest margin3.5590%3,046
Noninterest income to average assets1.3289%583
Noninterest expense to average assets3.4525%1,111
Loan and lease loss provision to assets0.2156%745
Net operating income to assets0.6983%3,714
Return on assets (ROA)0.6983%3,752
Pretax return on assets0.9073%3,743
Return on Equity (ROE)6.8829%3,454
Retained earnings to average equity (ytd only)4.2265%3,334
Net charge-offs to loans0.1414%1,093
Credit loss provision to net charge-offs246.5753%897
Earnings coverage of net charge-offs (x)12.8425%1,823
Efficiency ratio75.4581%1,988
Assets per employee ($millions)4.1969%3,665
Cash dividends to net income (ytd only)*38.5935%2,052
Condition Ratios (%)
Loss allowance to loans1.2858%2,605
Loan loss allowance to noncurrent loans59.7501%4,431
Noncurrent assets plus other real estate owned to assets1.4116%1,178
Noncurrent loans to loans2.1520%798
Net loans and leases to total assets60.6740%3,706
Net loans and leases to deposits68.3115%3,967
Net loans and leases to core deposits73.0964%3,910
Total domestic deposits to total assets88.8197%1,246
Equity capital to assets10.7118%2,950
Core capital (leverage) ratio10.0143%3,475
Tier 1 risk-based capital ratio13.3535%3,856
Total risk-based capital ratio14.4220%3,887
Memoranda:
Average total assets$667,926,5001,099
Average earning assets$609,273,5001,112
Average equity$67,762,5001,178
Average total loans$413,105,0001,213
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8334%3,795
Cost of funding earning assets0.2775%4,277
Net interest margin3.5559%3,231
Noninterest income to average assets1.8909%367
Noninterest expense to average assets3.4090%1,337
Loan and lease loss provision to assets0.2878%669
Net operating income to assets1.0026%2,343
Return on assets (ROA)1.0189%2,369
Pretax return on assets1.4972%1,592
Return on Equity (ROE)10.3404%1,832
Retained earnings to average equity (ytd only)4.4369%2,758
Net charge-offs to loans0.3895%686
Credit loss provision to net charge-offs119.2137%2,229
Earnings coverage of net charge-offs (x)7.2955%3,035
Efficiency ratio65.9363%3,596
Assets per employee ($millions)4.1009%3,782
Cash dividends to net income (ytd only)*57.0913%1,919
Condition Ratios (%)
Loss allowance to loans1.2317%2,927
Loan loss allowance to noncurrent loans85.2528%3,908
Noncurrent assets plus other real estate owned to assets1.0303%1,838
Noncurrent loans to loans1.4448%1,405
Net loans and leases to total assets61.4709%3,661
Net loans and leases to deposits70.8915%3,819
Net loans and leases to core deposits76.7960%3,681
Total domestic deposits to total assets86.7113%2,283
Equity capital to assets9.5725%4,194
Core capital (leverage) ratio8.8512%4,909
Tier 1 risk-based capital ratio11.9583%4,759
Total risk-based capital ratio12.9975%4,800
Memoranda:
Average total assets$653,278,2001,089
Average earning assets$602,442,6001,082
Average equity$64,369,0001,218
Average total loans$404,929,2001,189
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8222%3,862
Cost of funding earning assets0.2767%4,322
Net interest margin3.5455%3,294
Noninterest income to average assets2.0447%342
Noninterest expense to average assets3.4528%1,242
Loan and lease loss provision to assets0.2880%602
Net operating income to assets1.0773%2,092
Return on assets (ROA)1.0773%2,199
Pretax return on assets1.5815%1,432
Return on Equity (ROE)10.8543%1,728
Retained earnings to average equity (ytd only)3.9361%3,503
Net charge-offs to loans0.2833%807
Credit loss provision to net charge-offs164.1355%1,677
Earnings coverage of net charge-offs (x)10.6554%2,554
Efficiency ratio64.8746%3,783
Assets per employee ($millions)4.1694%3,655
Cash dividends to net income (ytd only)*63.7368%1,281
Condition Ratios (%)
Loss allowance to loans1.3141%2,611
Loan loss allowance to noncurrent loans97.3737%3,673
Noncurrent assets plus other real estate owned to assets1.0016%2,066
Noncurrent loans to loans1.3495%1,631
Net loans and leases to total assets60.8646%3,761
Net loans and leases to deposits69.4401%4,033
Net loans and leases to core deposits74.0171%4,001
Total domestic deposits to total assets87.6504%1,588
Equity capital to assets9.9656%4,163
Core capital (leverage) ratio8.7204%5,140
Tier 1 risk-based capital ratio12.1424%4,703
Total risk-based capital ratio13.2656%4,681
Memoranda:
Average total assets$650,509,5001,093
Average earning assets$601,355,0001,088
Average equity$64,562,5001,224
Average total loans$402,792,2501,197
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7874%4,000
Cost of funding earning assets0.2736%4,405
Net interest margin3.5137%3,438
Noninterest income to average assets2.2731%291
Noninterest expense to average assets3.3966%1,379
Loan and lease loss provision to assets0.2995%603
Net operating income to assets1.2267%1,512
Return on assets (ROA)1.2267%1,608
Pretax return on assets1.8282%826
Return on Equity (ROE)12.3769%1,192
Retained earnings to average equity (ytd only)3.3427%3,772
Net charge-offs to loans0.3909%579
Credit loss provision to net charge-offs123.5669%1,817
Earnings coverage of net charge-offs (x)8.7783%2,487
Efficiency ratio61.4856%4,430
Assets per employee ($millions)4.2579%3,452
Cash dividends to net income (ytd only)*72.9927%1,089
Condition Ratios (%)
Loss allowance to loans1.2355%3,157
Loan loss allowance to noncurrent loans93.5326%3,847
Noncurrent assets plus other real estate owned to assets0.9522%2,247
Noncurrent loans to loans1.3209%1,707
Net loans and leases to total assets59.8733%3,898
Net loans and leases to deposits66.8643%4,277
Net loans and leases to core deposits69.4600%4,369
Total domestic deposits to total assets89.5445%657
Equity capital to assets9.8153%4,430
Core capital (leverage) ratio8.4380%5,412
Tier 1 risk-based capital ratio11.7901%4,980
Total risk-based capital ratio12.8213%4,998
Memoranda:
Average total assets$647,757,3301,097
Average earning assets$599,359,6701,089
Average equity$64,200,0001,230
Average total loans$401,625,0001,206
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7777%4,029
Cost of funding earning assets0.2720%4,478
Net interest margin3.5057%3,454
Noninterest income to average assets3.1355%193
Noninterest expense to average assets3.3856%1,413
Loan and lease loss provision to assets0.3096%501
Net operating income to assets1.7476%516
Return on assets (ROA)1.7476%552
Pretax return on assets2.6726%184
Return on Equity (ROE)17.5442%392
Retained earnings to average equity (ytd only)13.1487%377
Net charge-offs to loans-0.0239%4,956
Credit loss provision to net charge-offs-2,062.5000%4,898
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.1677%5,445
Assets per employee ($millions)3.9822%3,978
Cash dividends to net income (ytd only)*25.0537%2,472
Condition Ratios (%)
Loss allowance to loans1.3299%2,761
Loan loss allowance to noncurrent loans88.7347%3,889
Noncurrent assets plus other real estate owned to assets1.1559%1,897
Noncurrent loans to loans1.4987%1,561
Net loans and leases to total assets58.1856%4,024
Net loans and leases to deposits64.8123%4,358
Net loans and leases to core deposits67.2010%4,457
Total domestic deposits to total assets89.7756%693
Equity capital to assets9.6291%4,535
Core capital (leverage) ratio9.2728%4,519
Tier 1 risk-based capital ratio11.8742%4,991
Total risk-based capital ratio12.9629%5,006
Memoranda:
Average total assets$639,523,0001,106
Average earning assets$589,671,5001,111
Average equity$63,702,0001,229
Average total loans$401,103,0001,200
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0599%3,072
Cost of funding earning assets0.2978%4,274
Net interest margin3.7620%2,515
Noninterest income to average assets1.4271%595
Noninterest expense to average assets3.5071%1,280
Loan and lease loss provision to assets0.3586%401
Net operating income to assets0.7396%3,620
Return on assets (ROA)0.7789%3,499
Pretax return on assets1.0691%3,192
Return on Equity (ROE)7.5374%3,230
Retained earnings to average equity (ytd only)4.0494%3,133
Net charge-offs to loans0.4287%653
Credit loss provision to net charge-offs122.5788%2,110
Earnings coverage of net charge-offs (x)4.6963%3,504
Efficiency ratio71.8520%2,930
Assets per employee ($millions)3.5416%4,742
Cash dividends to net income (ytd only)*46.2764%2,510
Condition Ratios (%)
Loss allowance to loans1.1886%3,547
Loan loss allowance to noncurrent loans75.5282%4,238
Noncurrent assets plus other real estate owned to assets1.3308%1,594
Noncurrent loans to loans1.5737%1,463
Net loans and leases to total assets66.1393%2,961
Net loans and leases to deposits75.7901%3,280
Net loans and leases to core deposits79.0880%3,438
Total domestic deposits to total assets87.2663%2,002
Equity capital to assets10.3339%3,586
Core capital (leverage) ratio9.1797%4,646
Tier 1 risk-based capital ratio11.6929%5,136
Total risk-based capital ratio12.6964%5,190
Memoranda:
Average total assets$596,471,4001,143
Average earning assets$547,629,8001,152
Average equity$61,639,2001,224
Average total loans$407,085,4001,137
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0496%3,131
Cost of funding earning assets0.3028%4,313
Net interest margin3.7469%2,574
Noninterest income to average assets1.5059%547
Noninterest expense to average assets3.5340%1,222
Loan and lease loss provision to assets0.4008%299
Net operating income to assets0.7320%3,755
Return on assets (ROA)0.7837%3,588
Pretax return on assets1.0813%3,306
Return on Equity (ROE)7.5842%3,295
Retained earnings to average equity (ytd only)4.4404%3,301
Net charge-offs to loans0.2734%977
Credit loss provision to net charge-offs213.7395%1,268
Earnings coverage of net charge-offs (x)7.5197%2,904
Efficiency ratio71.4778%2,963
Assets per employee ($millions)3.8594%4,159
Cash dividends to net income (ytd only)*41.4524%2,246
Condition Ratios (%)
Loss allowance to loans1.2795%3,209
Loan loss allowance to noncurrent loans97.9129%3,720
Noncurrent assets plus other real estate owned to assets1.0935%2,170
Noncurrent loans to loans1.3068%1,953
Net loans and leases to total assets67.2408%2,811
Net loans and leases to deposits75.2664%3,393
Net loans and leases to core deposits78.4187%3,567
Total domestic deposits to total assets89.3370%848
Equity capital to assets10.1793%3,962
Core capital (leverage) ratio9.3232%4,554
Tier 1 risk-based capital ratio11.6856%5,275
Total risk-based capital ratio12.8144%5,266
Memoranda:
Average total assets$595,072,7501,152
Average earning assets$546,078,7501,157
Average equity$61,494,7501,230
Average total loans$408,108,7501,127
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0613%3,041
Cost of funding earning assets0.3220%4,131
Net interest margin3.7394%2,545
Noninterest income to average assets1.4801%579
Noninterest expense to average assets3.5413%1,238
Loan and lease loss provision to assets0.4188%267
Net operating income to assets0.6918%3,928
Return on assets (ROA)0.7414%3,784
Pretax return on assets1.0117%3,539
Return on Equity (ROE)7.1373%3,534
Retained earnings to average equity (ytd only)4.8487%2,957
Net charge-offs to loans0.4120%627
Credit loss provision to net charge-offs147.8417%1,552
Earnings coverage of net charge-offs (x)4.8106%2,990
Efficiency ratio72.2141%2,975
Assets per employee ($millions)3.6565%4,526
Cash dividends to net income (ytd only)*32.0660%2,736
Condition Ratios (%)
Loss allowance to loans1.1646%4,004
Loan loss allowance to noncurrent loans90.7972%3,944
Noncurrent assets plus other real estate owned to assets1.0943%2,319
Noncurrent loans to loans1.2826%2,109
Net loans and leases to total assets68.2772%2,607
Net loans and leases to deposits78.2850%2,994
Net loans and leases to core deposits81.3375%3,246
Total domestic deposits to total assets87.2162%2,053
Equity capital to assets10.3023%3,689
Core capital (leverage) ratio9.3232%4,522
Tier 1 risk-based capital ratio11.8971%5,217
Total risk-based capital ratio12.9381%5,257
Memoranda:
Average total assets$588,881,3301,167
Average earning assets$539,182,3301,178
Average equity$61,171,3301,245
Average total loans$404,822,0001,136
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0196%3,162
Cost of funding earning assets0.3312%4,077
Net interest margin3.6884%2,662
Noninterest income to average assets1.3955%599
Noninterest expense to average assets3.5406%1,226
Loan and lease loss provision to assets0.4216%263
Net operating income to assets0.6171%4,209
Return on assets (ROA)0.7196%3,828
Pretax return on assets0.9567%3,662
Return on Equity (ROE)6.8986%3,560
Retained earnings to average equity (ytd only)5.5883%2,730
Net charge-offs to loans0.1266%1,497
Credit loss provision to net charge-offs485.8268%568
Earnings coverage of net charge-offs (x)14.3071%1,679
Efficiency ratio74.0354%2,810
Assets per employee ($millions)3.7319%4,459
Cash dividends to net income (ytd only)*18.9934%2,565
Condition Ratios (%)
Loss allowance to loans1.2054%3,952
Loan loss allowance to noncurrent loans94.2879%3,822
Noncurrent assets plus other real estate owned to assets1.0481%2,522
Noncurrent loans to loans1.2784%2,241
Net loans and leases to total assets67.9176%2,452
Net loans and leases to deposits76.2719%3,024
Net loans and leases to core deposits80.2273%3,129
Total domestic deposits to total assets89.0467%1,231
Equity capital to assets10.4358%3,605
Core capital (leverage) ratio9.5137%4,255
Tier 1 risk-based capital ratio11.8343%5,346
Total risk-based capital ratio12.9017%5,372
Memoranda:
Average total assets$585,320,5001,175
Average earning assets$537,470,5001,186
Average equity$61,056,0001,253
Average total loans$401,368,5001,143
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1340%3,186
Cost of funding earning assets0.3901%3,791
Net interest margin3.7439%2,835
Noninterest income to average assets0.9442%1,365
Noninterest expense to average assets3.4913%1,505
Loan and lease loss provision to assets0.3860%473
Net operating income to assets0.4161%5,173
Return on assets (ROA)0.4852%4,958
Pretax return on assets0.5575%5,081
Return on Equity (ROE)4.8426%4,747
Retained earnings to average equity (ytd only)1.1331%5,266
Net charge-offs to loans0.7184%512
Credit loss provision to net charge-offs82.1056%2,828
Earnings coverage of net charge-offs (x)1.8379%4,324
Efficiency ratio80.0628%1,920
Assets per employee ($millions)3.7727%4,401
Cash dividends to net income (ytd only)*76.6017%1,016
Condition Ratios (%)
Loss allowance to loans1.1062%4,507
Loan loss allowance to noncurrent loans77.4489%4,288
Noncurrent assets plus other real estate owned to assets1.1294%2,499
Noncurrent loans to loans1.4284%2,059
Net loans and leases to total assets67.6394%2,620
Net loans and leases to deposits75.9967%3,200
Net loans and leases to core deposits80.5553%3,231
Total domestic deposits to total assets89.0031%1,231
Equity capital to assets10.4265%3,580
Core capital (leverage) ratio9.3743%4,431
Tier 1 risk-based capital ratio12.6397%4,952
Total risk-based capital ratio13.6748%4,997
Memoranda:
Average total assets$591,929,0001,120
Average earning assets$539,331,0001,124
Average equity$59,307,4001,235
Average total loans$387,396,4001,143
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1124%3,328
Cost of funding earning assets0.3980%3,812
Net interest margin3.7144%2,966
Noninterest income to average assets0.7542%2,076
Noninterest expense to average assets3.4334%1,585
Loan and lease loss provision to assets0.3966%429
Net operating income to assets0.2928%5,610
Return on assets (ROA)0.3948%5,345
Pretax return on assets0.4069%5,563
Return on Equity (ROE)3.9803%5,180
Retained earnings to average equity (ytd only)-0.5402%5,880
Net charge-offs to loans0.7884%425
Credit loss provision to net charge-offs77.7241%2,641
Earnings coverage of net charge-offs (x)1.3686%4,173
Efficiency ratio82.9607%1,499
Assets per employee ($millions)3.7854%4,318
Cash dividends to net income (ytd only)*113.5719%244
Condition Ratios (%)
Loss allowance to loans1.1145%4,688
Loan loss allowance to noncurrent loans84.9864%4,050
Noncurrent assets plus other real estate owned to assets1.0345%2,892
Noncurrent loans to loans1.3114%2,459
Net loans and leases to total assets65.0813%3,011
Net loans and leases to deposits75.1576%3,292
Net loans and leases to core deposits80.0823%3,301
Total domestic deposits to total assets86.5932%2,532
Equity capital to assets9.9691%4,200
Core capital (leverage) ratio9.0028%5,067
Tier 1 risk-based capital ratio12.2512%5,330
Total risk-based capital ratio13.2697%5,388
Memoranda:
Average total assets$594,661,2501,123
Average earning assets$540,724,2501,127
Average equity$58,989,7501,249
Average total loans$384,900,2501,155
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0751%3,443
Cost of funding earning assets0.4049%3,821
Net interest margin3.6702%3,067
Noninterest income to average assets1.2522%746
Noninterest expense to average assets3.4301%1,615
Loan and lease loss provision to assets0.4013%415
Net operating income to assets0.5953%4,376
Return on assets (ROA)0.6632%4,127
Pretax return on assets0.8391%4,121
Return on Equity (ROE)6.6963%3,782
Retained earnings to average equity (ytd only)1.7626%5,015
Net charge-offs to loans0.9225%392
Credit loss provision to net charge-offs67.5936%2,509
Earnings coverage of net charge-offs (x)1.9444%3,684
Efficiency ratio74.6343%2,868
Assets per employee ($millions)3.7358%4,381
Cash dividends to net income (ytd only)*73.6789%1,071
Condition Ratios (%)
Loss allowance to loans1.1355%4,735
Loan loss allowance to noncurrent loans82.7844%4,097
Noncurrent assets plus other real estate owned to assets1.0980%2,876
Noncurrent loans to loans1.3716%2,520
Net loans and leases to total assets63.3674%3,184
Net loans and leases to deposits72.3809%3,524
Net loans and leases to core deposits75.8635%3,638
Total domestic deposits to total assets87.5472%2,172
Equity capital to assets10.1122%3,953
Core capital (leverage) ratio9.1885%4,760
Tier 1 risk-based capital ratio12.8935%4,980
Total risk-based capital ratio13.9349%5,037
Memoranda:
Average total assets$593,518,3301,123
Average earning assets$538,883,0001,122
Average equity$58,778,3301,246
Average total loans$381,989,6701,150
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0897%3,321
Cost of funding earning assets0.4173%3,793
Net interest margin3.6724%2,984
Noninterest income to average assets1.1077%908
Noninterest expense to average assets3.5740%1,355
Loan and lease loss provision to assets0.3445%519
Net operating income to assets0.4448%4,952
Return on assets (ROA)0.5609%4,488
Pretax return on assets0.6452%4,679
Return on Equity (ROE)5.7246%4,165
Retained earnings to average equity (ytd only)-1.1559%5,754
Net charge-offs to loans0.6942%525
Credit loss provision to net charge-offs76.9578%1,933
Earnings coverage of net charge-offs (x)1.9127%2,992
Efficiency ratio80.2922%2,163
Assets per employee ($millions)3.7492%4,424
Cash dividends to net income (ytd only)*120.1923%531
Condition Ratios (%)
Loss allowance to loans1.2579%4,336
Loan loss allowance to noncurrent loans84.6910%4,022
Noncurrent assets plus other real estate owned to assets1.1759%2,905
Noncurrent loans to loans1.4853%2,559
Net loans and leases to total assets61.6553%3,291
Net loans and leases to deposits70.7116%3,511
Net loans and leases to core deposits74.0623%3,639
Total domestic deposits to total assets87.1926%2,710
Equity capital to assets9.6905%4,238
Core capital (leverage) ratio9.1490%4,794
Tier 1 risk-based capital ratio12.6623%5,215
Total risk-based capital ratio13.7984%5,224
Memoranda:
Average total assets$593,283,5001,130
Average earning assets$536,761,0001,141
Average equity$58,135,0001,252
Average total loans$382,625,5001,149
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2154%3,290
Cost of funding earning assets0.5179%3,421
Net interest margin3.6975%3,064
Noninterest income to average assets1.5469%597
Noninterest expense to average assets3.6781%1,318
Loan and lease loss provision to assets0.7128%321
Net operating income to assets0.4732%4,852
Return on assets (ROA)0.5545%4,609
Pretax return on assets0.6275%4,780
Return on Equity (ROE)5.6582%4,297
Retained earnings to average equity (ytd only)5.6582%2,182
Net charge-offs to loans1.5406%302
Credit loss provision to net charge-offs71.8002%3,252
Earnings coverage of net charge-offs (x)1.2570%4,649
Efficiency ratio74.1822%3,099
Assets per employee ($millions)3.5985%4,685
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.2602%4,344
Loan loss allowance to noncurrent loans77.5349%4,254
Noncurrent assets plus other real estate owned to assets1.3967%2,653
Noncurrent loans to loans1.6253%2,464
Net loans and leases to total assets65.7782%2,725
Net loans and leases to deposits74.8435%3,125
Net loans and leases to core deposits78.6496%3,284
Total domestic deposits to total assets87.8877%2,247
Equity capital to assets9.9111%3,885
Core capital (leverage) ratio9.1449%4,789
Tier 1 risk-based capital ratio12.3781%5,374
Total risk-based capital ratio13.5215%5,376
Memoranda:
Average total assets$580,844,8001,147
Average earning assets$530,813,6001,140
Average equity$56,926,4001,263
Average total loans$374,274,8001,136
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1879%3,431
Cost of funding earning assets0.5375%3,382
Net interest margin3.6504%3,232
Noninterest income to average assets1.5566%606
Noninterest expense to average assets3.6625%1,302
Loan and lease loss provision to assets0.8133%235
Net operating income to assets0.3821%5,324
Return on assets (ROA)0.5119%4,903
Pretax return on assets0.5546%5,190
Return on Equity (ROE)5.2379%4,603
Retained earnings to average equity (ytd only)5.2379%2,908
Net charge-offs to loans1.4133%349
Credit loss provision to net charge-offs90.0763%2,635
Earnings coverage of net charge-offs (x)1.3588%4,385
Efficiency ratio74.4138%2,997
Assets per employee ($millions)3.6190%4,625
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.6086%2,966
Loan loss allowance to noncurrent loans82.2598%3,981
Noncurrent assets plus other real estate owned to assets1.7763%2,308
Noncurrent loans to loans1.9556%2,303
Net loans and leases to total assets63.9524%3,006
Net loans and leases to deposits72.1673%3,492
Net loans and leases to core deposits75.8583%3,632
Total domestic deposits to total assets88.6168%1,774
Equity capital to assets9.7200%4,282
Core capital (leverage) ratio9.0070%5,118
Tier 1 risk-based capital ratio12.2124%5,636
Total risk-based capital ratio13.4577%5,574
Memoranda:
Average total assets$580,317,7501,158
Average earning assets$529,825,2501,156
Average equity$56,713,7501,270
Average total loans$370,756,0001,149
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1926%3,400
Cost of funding earning assets0.5671%3,244
Net interest margin3.6256%3,258
Noninterest income to average assets1.5946%624
Noninterest expense to average assets3.6747%1,293
Loan and lease loss provision to assets1.0582%167
Net operating income to assets0.2058%5,873
Return on assets (ROA)0.4088%5,348
Pretax return on assets0.3835%5,674
Return on Equity (ROE)4.1750%5,146
Retained earnings to average equity (ytd only)4.1750%3,633
Net charge-offs to loans1.5561%331
Credit loss provision to net charge-offs107.0679%2,070
Earnings coverage of net charge-offs (x)1.2533%4,128
Efficiency ratio74.2962%3,078
Assets per employee ($millions)3.6546%4,510
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.8350%2,313
Loan loss allowance to noncurrent loans110.6866%3,204
Noncurrent assets plus other real estate owned to assets1.5558%2,779
Noncurrent loans to loans1.6579%2,825
Net loans and leases to total assets60.7376%3,529
Net loans and leases to deposits69.5004%3,788
Net loans and leases to core deposits72.3602%4,002
Total domestic deposits to total assets87.3917%2,595
Equity capital to assets9.4083%4,707
Core capital (leverage) ratio8.8642%5,203
Tier 1 risk-based capital ratio12.3953%5,578
Total risk-based capital ratio13.6420%5,524
Memoranda:
Average total assets$578,331,3301,163
Average earning assets$529,403,3301,155
Average equity$56,623,0001,274
Average total loans$367,318,6701,157
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2232%3,203
Cost of funding earning assets0.6052%3,065
Net interest margin3.6180%3,193
Noninterest income to average assets1.5098%679
Noninterest expense to average assets3.6579%1,320
Loan and lease loss provision to assets0.7559%294
Net operating income to assets0.4263%5,019
Return on assets (ROA)0.4263%5,174
Pretax return on assets0.4186%5,507
Return on Equity (ROE)4.2674%4,963
Retained earnings to average equity (ytd only)4.2674%3,668
Net charge-offs to loans1.2778%443
Credit loss provision to net charge-offs91.9149%1,989
Earnings coverage of net charge-offs (x)1.4281%3,357
Efficiency ratio75.1883%3,063
Assets per employee ($millions)3.5243%4,934
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7524%2,799
Loan loss allowance to noncurrent loans72.1748%4,250
Noncurrent assets plus other real estate owned to assets1.9026%2,472
Noncurrent loans to loans2.4280%2,128
Net loans and leases to total assets61.5707%3,151
Net loans and leases to deposits70.8540%3,347
Net loans and leases to core deposits71.8137%3,844
Total domestic deposits to total assets86.8979%3,023
Equity capital to assets9.8089%4,406
Core capital (leverage) ratio9.0073%4,872
Tier 1 risk-based capital ratio12.3759%5,658
Total risk-based capital ratio13.6205%5,614
Memoranda:
Average total assets$571,477,0001,189
Average earning assets$524,815,0001,177
Average equity$57,084,0001,280
Average total loans$367,821,5001,161
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6011%3,000
Cost of funding earning assets0.7494%3,095
Net interest margin3.8518%3,018
Noninterest income to average assets1.8693%481
Noninterest expense to average assets3.7859%1,280
Loan and lease loss provision to assets1.0056%414
Net operating income to assets0.5060%4,664
Return on assets (ROA)0.6073%4,470
Pretax return on assets0.7157%4,613
Return on Equity (ROE)6.0837%4,127
Retained earnings to average equity (ytd only)1.7817%4,962
Net charge-offs to loans1.7053%487
Credit loss provision to net charge-offs93.0002%3,349
Earnings coverage of net charge-offs (x)1.4817%4,704
Efficiency ratio69.8037%3,859
Assets per employee ($millions)3.4439%5,122
Cash dividends to net income (ytd only)*70.7130%1,343
Condition Ratios (%)
Loss allowance to loans1.7669%2,705
Loan loss allowance to noncurrent loans57.1078%4,784
Noncurrent assets plus other real estate owned to assets2.3622%2,081
Noncurrent loans to loans3.0940%1,676
Net loans and leases to total assets64.9714%2,726
Net loans and leases to deposits73.3153%3,207
Net loans and leases to core deposits74.3373%3,738
Total domestic deposits to total assets88.6193%1,826
Equity capital to assets10.1775%3,917
Core capital (leverage) ratio8.9859%4,919
Tier 1 risk-based capital ratio12.2634%5,625
Total risk-based capital ratio13.5072%5,583
Memoranda:
Average total assets$558,885,4001,192
Average earning assets$510,569,6001,188
Average equity$55,788,2001,278
Average total loans$354,363,4001,177
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6345%3,082
Cost of funding earning assets0.7882%3,044
Net interest margin3.8463%3,135
Noninterest income to average assets1.8702%460
Noninterest expense to average assets3.7326%1,321
Loan and lease loss provision to assets1.0397%381
Net operating income to assets0.4885%4,885
Return on assets (ROA)0.5880%4,714
Pretax return on assets0.7345%4,728
Return on Equity (ROE)5.9199%4,368
Retained earnings to average equity (ytd only)1.5988%5,535
Net charge-offs to loans1.9138%393
Credit loss provision to net charge-offs86.6110%3,410
Earnings coverage of net charge-offs (x)1.3743%4,609
Efficiency ratio68.8849%3,897
Assets per employee ($millions)3.4015%5,205
Cash dividends to net income (ytd only)*72.9927%837
Condition Ratios (%)
Loss allowance to loans1.7414%2,989
Loan loss allowance to noncurrent loans46.1295%5,335
Noncurrent assets plus other real estate owned to assets2.8286%1,861
Noncurrent loans to loans3.7750%1,407
Net loans and leases to total assets63.4098%3,136
Net loans and leases to deposits73.0752%3,439
Net loans and leases to core deposits74.3596%3,929
Total domestic deposits to total assets86.7733%2,816
Equity capital to assets10.1869%4,223
Core capital (leverage) ratio8.9092%5,184
Tier 1 risk-based capital ratio12.3777%5,717
Total risk-based capital ratio13.6197%5,694
Memoranda:
Average total assets$559,127,7501,207
Average earning assets$510,538,7501,206
Average equity$55,539,7501,292
Average total loans$350,702,7501,197
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6612%3,089
Cost of funding earning assets0.8173%3,060
Net interest margin3.8439%3,162
Noninterest income to average assets1.7689%493
Noninterest expense to average assets3.7147%1,345
Loan and lease loss provision to assets1.0008%440
Net operating income to assets0.4449%5,057
Return on assets (ROA)0.5923%4,662
Pretax return on assets0.7481%4,666
Return on Equity (ROE)6.0134%4,323
Retained earnings to average equity (ytd only)1.6585%5,373
Net charge-offs to loans1.5287%640
Credit loss provision to net charge-offs105.3820%2,579
Earnings coverage of net charge-offs (x)1.6451%4,167
Efficiency ratio69.9201%3,780
Assets per employee ($millions)3.3518%5,325
Cash dividends to net income (ytd only)*72.4200%1,014
Condition Ratios (%)
Loss allowance to loans1.9806%2,279
Loan loss allowance to noncurrent loans65.7755%4,374
Noncurrent assets plus other real estate owned to assets2.3997%2,330
Noncurrent loans to loans3.0112%1,962
Net loans and leases to total assets63.0262%3,229
Net loans and leases to deposits70.9332%3,773
Net loans and leases to core deposits72.3210%4,265
Total domestic deposits to total assets88.8529%1,603
Equity capital to assets10.0332%4,281
Core capital (leverage) ratio8.8369%5,155
Tier 1 risk-based capital ratio12.3340%5,700
Total risk-based capital ratio13.5776%5,673
Memoranda:
Average total assets$559,556,0001,204
Average earning assets$510,678,6701,206
Average equity$55,110,6701,292
Average total loans$347,605,0001,205
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6085%3,461
Cost of funding earning assets0.8281%3,251
Net interest margin3.7804%3,482
Noninterest income to average assets1.6609%534
Noninterest expense to average assets3.6505%1,464
Loan and lease loss provision to assets0.8982%491
Net operating income to assets0.4411%5,074
Return on assets (ROA)0.5667%4,734
Pretax return on assets0.7228%4,717
Return on Equity (ROE)5.8078%4,401
Retained earnings to average equity (ytd only)1.4246%5,521
Net charge-offs to loans1.0522%985
Credit loss provision to net charge-offs139.8446%1,761
Earnings coverage of net charge-offs (x)2.2730%3,259
Efficiency ratio70.9443%3,632
Assets per employee ($millions)3.5474%5,007
Cash dividends to net income (ytd only)*75.4717%883
Condition Ratios (%)
Loss allowance to loans2.1041%2,096
Loan loss allowance to noncurrent loans50.7965%5,021
Noncurrent assets plus other real estate owned to assets2.6787%2,206
Noncurrent loans to loans4.1423%1,462
Net loans and leases to total assets60.2310%3,616
Net loans and leases to deposits68.2526%4,017
Net loans and leases to core deposits69.8431%4,444
Total domestic deposits to total assets88.2472%2,163
Equity capital to assets9.6929%4,533
Core capital (leverage) ratio8.8889%5,004
Tier 1 risk-based capital ratio12.5927%5,527
Total risk-based capital ratio13.8367%5,499
Memoranda:
Average total assets$561,131,5001,210
Average earning assets$512,005,0001,205
Average equity$54,753,5001,295
Average total loans$342,524,0001,229
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9784%2,981
Cost of funding earning assets1.0114%3,293
Net interest margin3.9670%3,033
Noninterest income to average assets1.3627%693
Noninterest expense to average assets3.5118%1,951
Loan and lease loss provision to assets0.8768%1,105
Net operating income to assets0.4653%4,563
Return on assets (ROA)0.5231%4,536
Pretax return on assets0.6565%4,492
Return on Equity (ROE)5.3512%4,226
Retained earnings to average equity (ytd only)2.0090%4,781
Net charge-offs to loans1.1891%1,418
Credit loss provision to net charge-offs120.0100%2,655
Earnings coverage of net charge-offs (x)1.9998%4,283
Efficiency ratio70.1094%3,929
Assets per employee ($millions)3.5330%4,935
Cash dividends to net income (ytd only)*62.4564%1,454
Condition Ratios (%)
Loss allowance to loans2.0540%2,115
Loan loss allowance to noncurrent loans55.8973%4,717
Noncurrent assets plus other real estate owned to assets2.4897%2,442
Noncurrent loans to loans3.6747%1,720
Net loans and leases to total assets59.3089%4,131
Net loans and leases to deposits69.5366%4,185
Net loans and leases to core deposits71.7392%4,561
Total domestic deposits to total assets85.2917%3,696
Equity capital to assets9.8232%4,409
Core capital (leverage) ratio8.8362%5,046
Tier 1 risk-based capital ratio12.6549%5,332
Total risk-based capital ratio13.8964%5,321
Memoranda:
Average total assets$547,901,6001,202
Average earning assets$498,615,2001,217
Average equity$53,557,8001,265
Average total loans$336,637,0001,259
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0208%2,992
Cost of funding earning assets1.0485%3,328
Net interest margin3.9724%3,034
Noninterest income to average assets1.3105%763
Noninterest expense to average assets3.5535%1,805
Loan and lease loss provision to assets0.7834%1,196
Net operating income to assets0.4258%4,876
Return on assets (ROA)0.4939%4,760
Pretax return on assets0.6829%4,544
Return on Equity (ROE)5.0589%4,509
Retained earnings to average equity (ytd only)1.6779%5,299
Net charge-offs to loans1.3155%1,169
Credit loss provision to net charge-offs96.5642%3,554
Earnings coverage of net charge-offs (x)1.6908%4,389
Efficiency ratio71.6293%3,631
Assets per employee ($millions)3.4922%5,023
Cash dividends to net income (ytd only)*66.8318%972
Condition Ratios (%)
Loss allowance to loans1.7814%3,013
Loan loss allowance to noncurrent loans68.2518%4,031
Noncurrent assets plus other real estate owned to assets2.0834%3,044
Noncurrent loans to loans2.6101%2,659
Net loans and leases to total assets60.6167%4,026
Net loans and leases to deposits72.6016%3,872
Net loans and leases to core deposits76.8059%4,081
Total domestic deposits to total assets83.4922%4,482
Equity capital to assets9.9602%4,397
Core capital (leverage) ratio8.8825%5,134
Tier 1 risk-based capital ratio12.4710%5,511
Total risk-based capital ratio13.7085%5,519
Memoranda:
Average total assets$545,321,7501,215
Average earning assets$496,212,0001,225
Average equity$53,238,5001,278
Average total loans$336,291,7501,271
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0670%2,848
Cost of funding earning assets1.0434%3,649
Net interest margin4.0235%2,722
Noninterest income to average assets1.2007%893
Noninterest expense to average assets3.5508%1,854
Loan and lease loss provision to assets0.7547%1,234
Net operating income to assets0.4031%4,929
Return on assets (ROA)0.4799%4,738
Pretax return on assets0.6628%4,522
Return on Equity (ROE)4.9487%4,477
Retained earnings to average equity (ytd only)1.5195%5,220
Net charge-offs to loans1.2682%1,226
Credit loss provision to net charge-offs96.5226%3,260
Earnings coverage of net charge-offs (x)1.6767%4,031
Efficiency ratio72.5060%3,632
Assets per employee ($millions)3.3161%5,397
Cash dividends to net income (ytd only)*69.2956%1,058
Condition Ratios (%)
Loss allowance to loans1.8130%2,944
Loan loss allowance to noncurrent loans78.9693%3,577
Noncurrent assets plus other real estate owned to assets1.9279%3,339
Noncurrent loans to loans2.2958%3,107
Net loans and leases to total assets61.1739%4,054
Net loans and leases to deposits71.1234%4,273
Net loans and leases to core deposits76.7221%4,223
Total domestic deposits to total assets86.0109%3,322
Equity capital to assets9.9745%4,190
Core capital (leverage) ratio8.7430%5,151
Tier 1 risk-based capital ratio12.5452%5,299
Total risk-based capital ratio13.7825%5,294
Memoranda:
Average total assets$544,335,3301,232
Average earning assets$495,284,3301,232
Average equity$52,781,3301,276
Average total loans$335,596,3301,288
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0638%2,803
Cost of funding earning assets1.0384%3,927
Net interest margin4.0254%2,584
Noninterest income to average assets1.2199%857
Noninterest expense to average assets3.4897%2,028
Loan and lease loss provision to assets0.6571%1,304
Net operating income to assets0.5208%4,401
Return on assets (ROA)0.5621%4,304
Pretax return on assets0.8001%3,899
Return on Equity (ROE)5.8801%3,972
Retained earnings to average equity (ytd only)2.4055%4,708
Net charge-offs to loans0.9749%1,381
Credit loss provision to net charge-offs109.8901%2,430
Earnings coverage of net charge-offs (x)2.3382%3,144
Efficiency ratio70.8738%4,078
Assets per employee ($millions)3.4600%5,092
Cash dividends to net income (ytd only)*59.0909%1,270
Condition Ratios (%)
Loss allowance to loans1.8642%2,812
Loan loss allowance to noncurrent loans93.6917%3,053
Noncurrent assets plus other real estate owned to assets1.6384%3,793
Noncurrent loans to loans1.9897%3,582
Net loans and leases to total assets58.8067%4,497
Net loans and leases to deposits68.2392%4,644
Net loans and leases to core deposits74.3058%4,506
Total domestic deposits to total assets86.1773%3,418
Equity capital to assets9.4473%4,503
Core capital (leverage) ratio8.7596%4,986
Tier 1 risk-based capital ratio12.3416%5,405
Total risk-based capital ratio13.5745%5,412
Memoranda:
Average total assets$547,897,5001,230
Average earning assets$499,226,5001,232
Average equity$52,380,0001,275
Average total loans$336,044,0001,298
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4543%2,463
Cost of funding earning assets1.2905%3,943
Net interest margin4.1638%2,312
Noninterest income to average assets1.5024%643
Noninterest expense to average assets3.4860%2,216
Loan and lease loss provision to assets0.8328%1,975
Net operating income to assets0.6302%3,531
Return on assets (ROA)0.6125%3,785
Pretax return on assets0.8979%3,296
Return on Equity (ROE)6.4929%3,350
Retained earnings to average equity (ytd only)4.7832%2,555
Net charge-offs to loans1.1716%1,902
Credit loss provision to net charge-offs117.3251%3,647
Earnings coverage of net charge-offs (x)2.4748%3,883
Efficiency ratio66.0059%4,969
Assets per employee ($millions)3.3671%5,251
Cash dividends to net income (ytd only)*26.3315%3,207
Condition Ratios (%)
Loss allowance to loans1.8157%2,813
Loan loss allowance to noncurrent loans105.1712%2,751
Noncurrent assets plus other real estate owned to assets1.6383%3,847
Noncurrent loans to loans1.7264%3,910
Net loans and leases to total assets61.6508%4,360
Net loans and leases to deposits69.9327%4,821
Net loans and leases to core deposits76.1815%4,684
Total domestic deposits to total assets88.1574%2,143
Equity capital to assets9.6769%4,175
Core capital (leverage) ratio8.4309%5,481
Tier 1 risk-based capital ratio12.3105%5,196
Total risk-based capital ratio13.5646%5,161
Memoranda:
Average total assets$545,607,6001,229
Average earning assets$490,126,8001,255
Average equity$51,471,8001,294
Average total loans$330,566,8001,351
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4447%2,672
Cost of funding earning assets1.3330%4,024
Net interest margin4.1117%2,574
Noninterest income to average assets1.3671%725
Noninterest expense to average assets3.2894%2,605
Loan and lease loss provision to assets0.8363%1,815
Net operating income to assets0.6266%3,767
Return on assets (ROA)0.6012%4,029
Pretax return on assets0.8838%3,609
Return on Equity (ROE)6.4136%3,618
Retained earnings to average equity (ytd only)4.8829%3,069
Net charge-offs to loans1.0289%1,962
Credit loss provision to net charge-offs135.3707%2,972
Earnings coverage of net charge-offs (x)2.8446%3,713
Efficiency ratio64.6715%5,115
Assets per employee ($millions)3.7414%4,409
Cash dividends to net income (ytd only)*23.8654%2,798
Condition Ratios (%)
Loss allowance to loans1.8834%2,534
Loan loss allowance to noncurrent loans81.7120%3,319
Noncurrent assets plus other real estate owned to assets1.5118%4,187
Noncurrent loans to loans2.3049%3,337
Net loans and leases to total assets55.4092%5,632
Net loans and leases to deposits63.9186%5,925
Net loans and leases to core deposits69.8192%5,767
Total domestic deposits to total assets86.6871%2,702
Equity capital to assets8.8167%5,836
Core capital (leverage) ratio8.6906%5,204
Tier 1 risk-based capital ratio11.7984%5,637
Total risk-based capital ratio13.0532%5,613
Memoranda:
Average total assets$547,326,0001,237
Average earning assets$489,806,7501,268
Average equity$51,306,5001,306
Average total loans$328,639,5001,377
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4445%2,775
Cost of funding earning assets1.3662%4,082
Net interest margin4.0783%2,666
Noninterest income to average assets1.2712%799
Noninterest expense to average assets3.3231%2,489
Loan and lease loss provision to assets0.7627%1,882
Net operating income to assets0.6260%3,754
Return on assets (ROA)0.6096%3,975
Pretax return on assets0.8974%3,502
Return on Equity (ROE)6.3602%3,615
Retained earnings to average equity (ytd only)5.1952%2,783
Net charge-offs to loans0.9880%1,874
Credit loss provision to net charge-offs125.7463%3,208
Earnings coverage of net charge-offs (x)2.7767%3,600
Efficiency ratio65.8380%5,010
Assets per employee ($millions)3.4583%5,019
Cash dividends to net income (ytd only)*18.3168%2,940
Condition Ratios (%)
Loss allowance to loans1.7855%2,766
Loan loss allowance to noncurrent loans72.7351%3,711
Noncurrent assets plus other real estate owned to assets1.6469%3,963
Noncurrent loans to loans2.4548%3,189
Net loans and leases to total assets60.0034%5,058
Net loans and leases to deposits70.6595%5,186
Net loans and leases to core deposits77.8706%4,972
Total domestic deposits to total assets84.9192%3,673
Equity capital to assets9.5694%4,600
Core capital (leverage) ratio8.7885%4,934
Tier 1 risk-based capital ratio11.9060%5,396
Total risk-based capital ratio13.1590%5,368
Memoranda:
Average total assets$530,227,0001,283
Average earning assets$485,741,0001,283
Average equity$50,815,6701,311
Average total loans$325,499,6701,407
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4584%2,789
Cost of funding earning assets1.4082%4,125
Net interest margin4.0502%2,649
Noninterest income to average assets1.2550%779
Noninterest expense to average assets3.3068%2,513
Loan and lease loss provision to assets0.7314%1,741
Net operating income to assets0.6175%3,822
Return on assets (ROA)0.6149%3,976
Pretax return on assets0.9232%3,374
Return on Equity (ROE)6.4114%3,661
Retained earnings to average equity (ytd only)6.4114%2,404
Net charge-offs to loans0.5392%2,450
Credit loss provision to net charge-offs220.4128%1,708
Earnings coverage of net charge-offs (x)4.9977%2,497
Efficiency ratio66.0638%5,100
Assets per employee ($millions)3.5701%4,889
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.8733%2,523
Loan loss allowance to noncurrent loans73.4804%3,692
Noncurrent assets plus other real estate owned to assets1.6941%3,940
Noncurrent loans to loans2.5494%3,125
Net loans and leases to total assets59.4417%5,209
Net loans and leases to deposits70.9823%5,203
Net loans and leases to core deposits75.3962%5,344
Total domestic deposits to total assets83.7416%4,268
Equity capital to assets9.6433%4,316
Core capital (leverage) ratio8.7396%4,955
Tier 1 risk-based capital ratio12.2268%4,970
Total risk-based capital ratio13.4815%4,939
Memoranda:
Average total assets$525,591,0001,324
Average earning assets$481,462,5001,325
Average equity$50,410,0001,325
Average total loans$323,448,0001,459
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7970%2,666
Cost of funding earning assets2.0043%2,941
Net interest margin3.7927%3,742
Noninterest income to average assets1.4075%738
Noninterest expense to average assets3.4691%2,457
Loan and lease loss provision to assets0.7851%2,775
Net operating income to assets0.4708%3,855
Return on assets (ROA)0.4764%3,933
Pretax return on assets0.6392%3,781
Return on Equity (ROE)5.2547%3,558
Retained earnings to average equity (ytd only)1.6556%3,922
Net charge-offs to loans0.4865%3,826
Credit loss provision to net charge-offs257.3946%1,363
Earnings coverage of net charge-offs (x)4.6451%2,871
Efficiency ratio70.4553%4,529
Assets per employee ($millions)3.4395%5,157
Cash dividends to net income (ytd only)*68.4932%1,633
Condition Ratios (%)
Loss allowance to loans1.6740%2,990
Loan loss allowance to noncurrent loans88.2562%3,158
Noncurrent assets plus other real estate owned to assets1.3068%4,474
Noncurrent loans to loans1.8967%3,808
Net loans and leases to total assets61.4670%5,114
Net loans and leases to deposits77.8678%4,403
Net loans and leases to core deposits83.6199%5,754
Total domestic deposits to total assets78.9376%5,998
Equity capital to assets9.5384%4,372
Core capital (leverage) ratio8.5879%5,120
Tier 1 risk-based capital ratio11.6678%5,230
Total risk-based capital ratio12.9199%5,184
Memoranda:
Average total assets$520,938,6001,324
Average earning assets$477,782,0001,323
Average equity$47,233,6001,422
Average total loans$326,627,2001,475
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8197%2,801
Cost of funding earning assets2.1175%2,814
Net interest margin3.7022%4,059
Noninterest income to average assets1.4732%684
Noninterest expense to average assets3.4834%2,319
Loan and lease loss provision to assets0.8748%2,195
Net operating income to assets0.4029%4,391
Return on assets (ROA)0.4463%4,314
Pretax return on assets0.5692%4,302
Return on Equity (ROE)4.9868%3,974
Retained earnings to average equity (ytd only)1.8378%4,289
Net charge-offs to loans0.5230%3,123
Credit loss provision to net charge-offs266.5886%1,592
Earnings coverage of net charge-offs (x)4.2311%3,203
Efficiency ratio70.9486%4,435
Assets per employee ($millions)3.7981%4,194
Cash dividends to net income (ytd only)*63.1458%1,481
Condition Ratios (%)
Loss allowance to loans1.5716%3,112
Loan loss allowance to noncurrent loans74.5327%3,629
Noncurrent assets plus other real estate owned to assets1.5145%4,102
Noncurrent loans to loans2.1087%3,498
Net loans and leases to total assets60.9865%5,427
Net loans and leases to deposits79.2584%4,518
Net loans and leases to core deposits85.2408%5,946
Total domestic deposits to total assets76.9465%6,350
Equity capital to assets9.3107%5,019
Core capital (leverage) ratio8.4900%5,519
Tier 1 risk-based capital ratio11.5444%5,389
Total risk-based capital ratio12.7954%5,333
Memoranda:
Average total assets$520,472,2501,339
Average earning assets$477,790,5001,338
Average equity$46,575,2501,467
Average total loans$326,578,2501,490
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8614%2,755
Cost of funding earning assets2.2119%2,737
Net interest margin3.6495%4,171
Noninterest income to average assets1.5411%628
Noninterest expense to average assets3.5698%2,145
Loan and lease loss provision to assets1.0265%1,651
Net operating income to assets0.2555%5,065
Return on assets (ROA)0.2927%5,035
Pretax return on assets0.3355%5,111
Return on Equity (ROE)3.3164%4,780
Retained earnings to average equity (ytd only)-1.4836%5,612
Net charge-offs to loans0.4554%3,005
Credit loss provision to net charge-offs357.7181%1,299
Earnings coverage of net charge-offs (x)4.5973%3,056
Efficiency ratio72.4651%4,321
Assets per employee ($millions)3.8358%4,010
Cash dividends to net income (ytd only)*144.7368%374
Condition Ratios (%)
Loss allowance to loans1.5048%3,164
Loan loss allowance to noncurrent loans68.4970%4,006
Noncurrent assets plus other real estate owned to assets1.6011%3,814
Noncurrent loans to loans2.1969%3,262
Net loans and leases to total assets60.0287%5,674
Net loans and leases to deposits78.2634%4,822
Net loans and leases to core deposits84.6539%6,037
Total domestic deposits to total assets76.7009%6,398
Equity capital to assets9.0757%5,209
Core capital (leverage) ratio8.2695%5,855
Tier 1 risk-based capital ratio11.2861%5,610
Total risk-based capital ratio12.5350%5,514
Memoranda:
Average total assets$519,250,6701,366
Average earning assets$476,334,0001,358
Average equity$45,833,3301,499
Average total loans$327,185,3301,521
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8239%3,175
Cost of funding earning assets2.2957%2,717
Net interest margin3.5282%4,622
Noninterest income to average assets1.5382%586
Noninterest expense to average assets3.3911%2,385
Loan and lease loss provision to assets0.6051%2,084
Net operating income to assets0.5575%4,191
Return on assets (ROA)0.5364%4,460
Pretax return on assets0.7511%4,252
Return on Equity (ROE)6.1677%3,972
Retained earnings to average equity (ytd only)1.6788%4,906
Net charge-offs to loans0.2754%3,023
Credit loss provision to net charge-offs342.9204%1,463
Earnings coverage of net charge-offs (x)7.8540%2,287
Efficiency ratio70.4152%4,493
Assets per employee ($millions)3.7185%4,301
Cash dividends to net income (ytd only)*72.7802%1,217
Condition Ratios (%)
Loss allowance to loans1.0752%5,652
Loan loss allowance to noncurrent loans47.9624%5,326
Noncurrent assets plus other real estate owned to assets1.5020%3,680
Noncurrent loans to loans2.2418%2,940
Net loans and leases to total assets61.7487%5,381
Net loans and leases to deposits81.1870%4,426
Net loans and leases to core deposits91.9140%5,351
Total domestic deposits to total assets76.0574%6,498
Equity capital to assets9.1106%5,213
Core capital (leverage) ratio8.7045%5,141
Tier 1 risk-based capital ratio11.8016%5,124
Total risk-based capital ratio12.7490%5,312
Memoranda:
Average total assets$512,284,5001,388
Average earning assets$470,265,5001,384
Average equity$44,555,0001,541
Average total loans$328,301,5001,530
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3603%3,641
Cost of funding earning assets2.7183%3,072
Net interest margin3.6420%4,715
Noninterest income to average assets1.2036%1,028
Noninterest expense to average assets3.1986%3,340
Loan and lease loss provision to assets0.2748%4,197
Net operating income to assets0.7568%3,632
Return on assets (ROA)0.6654%3,890
Pretax return on assets0.9144%3,677
Return on Equity (ROE)8.1699%2,998
Retained earnings to average equity (ytd only)5.6176%1,704
Net charge-offs to loans0.2484%3,787
Credit loss provision to net charge-offs173.0366%2,948
Earnings coverage of net charge-offs (x)8.2762%2,909
Efficiency ratio69.6637%4,416
Assets per employee ($millions)3.5733%4,491
Cash dividends to net income (ytd only)*31.2402%4,067
Condition Ratios (%)
Loss allowance to loans0.9018%6,670
Loan loss allowance to noncurrent loans60.1458%4,998
Noncurrent assets plus other real estate owned to assets1.0828%4,128
Noncurrent loans to loans1.4994%3,548
Net loans and leases to total assets65.2381%5,005
Net loans and leases to deposits86.5042%4,037
Net loans and leases to core deposits97.6643%5,078
Total domestic deposits to total assets75.4160%6,360
Equity capital to assets8.2642%6,462
Core capital (leverage) ratio7.1930%7,526
Tier 1 risk-based capital ratio9.6080%7,200
Total risk-based capital ratio10.4141%7,616
Memoranda:
Average total assets$481,056,6001,426
Average earning assets$437,118,8001,435
Average equity$39,180,4001,722
Average total loans$307,538,6001,577