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Central Bank of Sedalia, Performance and Condition Ratios

2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9548%4,075
Cost of funding earning assets0.1656%3,967
Net interest margin2.7892%3,807
Noninterest income to average assets1.0504%987
Noninterest expense to average assets2.0389%3,558
Loan and lease loss provision to assets0.0592%1,810
Net operating income to assets1.2730%1,908
Return on assets (ROA)1.2734%1,967
Pretax return on assets1.6587%1,525
Return on Equity (ROE)15.9738%958
Retained earnings to average equity (ytd only)0.5143%4,493
Net charge-offs to loans0.0786%879
Credit loss provision to net charge-offs149.7006%1,360
Earnings coverage of net charge-offs (x)43.3952%1,315
Efficiency ratio54.2776%3,769
Assets per employee ($millions)7.7694%1,403
Cash dividends to net income (ytd only)*96.7802%220
Condition Ratios (%)
Loss allowance to loans1.8575%827
Loan loss allowance to noncurrent loans642.1642%1,122
Noncurrent assets plus other real estate owned to assets0.1437%3,152
Noncurrent loans to loans0.2893%2,757
Net loans and leases to total assets48.7664%3,545
Net loans and leases to deposits55.8635%3,587
Net loans and leases to core deposits59.4895%3,508
Total domestic deposits to total assets87.2957%2,217
Equity capital to assets7.8701%4,575
Core capital (leverage) ratio7.3005%4,752
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7195%1,716
Memoranda:
Average total assets$562,588,7501,549
Average earning assets$545,814,7501,502
Average equity$44,847,2501,951
Average total loans$283,406,2501,806
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8286%4,311
Cost of funding earning assets0.1845%3,907
Net interest margin2.6441%4,092
Noninterest income to average assets0.9729%1,115
Noninterest expense to average assets2.0023%3,691
Loan and lease loss provision to assets0.0887%1,395
Net operating income to assets1.1107%2,505
Return on assets (ROA)1.1099%2,570
Pretax return on assets1.4442%2,197
Return on Equity (ROE)13.8648%1,453
Retained earnings to average equity (ytd only)4.9999%3,183
Net charge-offs to loans0.0806%864
Credit loss provision to net charge-offs217.3913%1,016
Earnings coverage of net charge-offs (x)37.5913%1,192
Efficiency ratio56.6225%3,458
Assets per employee ($millions)7.9723%1,224
Cash dividends to net income (ytd only)*63.9386%825
Condition Ratios (%)
Loss allowance to loans1.8000%884
Loan loss allowance to noncurrent loans282.6558%1,991
Noncurrent assets plus other real estate owned to assets0.3260%2,295
Noncurrent loans to loans0.6368%1,818
Net loans and leases to total assets50.2619%3,535
Net loans and leases to deposits57.2867%3,615
Net loans and leases to core deposits61.0260%3,543
Total domestic deposits to total assets87.7375%1,964
Equity capital to assets7.9977%4,537
Core capital (leverage) ratio7.3626%4,764
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7821%1,698
Memoranda:
Average total assets$563,653,3331,539
Average earning assets$546,426,0001,494
Average equity$45,121,3331,925
Average total loans$285,221,6671,803
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8105%4,368
Cost of funding earning assets0.1904%4,005
Net interest margin2.6201%4,113
Noninterest income to average assets0.9722%1,184
Noninterest expense to average assets2.0524%3,555
Loan and lease loss provision to assets0.0868%1,518
Net operating income to assets1.0534%2,623
Return on assets (ROA)1.0354%2,773
Pretax return on assets1.3455%2,447
Return on Equity (ROE)12.9287%1,691
Retained earnings to average equity (ytd only)12.9287%928
Net charge-offs to loans0.0905%740
Credit loss provision to net charge-offs190.6250%906
Earnings coverage of net charge-offs (x)31.9688%1,071
Efficiency ratio58.5158%3,233
Assets per employee ($millions)7.9561%1,216
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.8360%820
Loan loss allowance to noncurrent loans310.8288%1,710
Noncurrent assets plus other real estate owned to assets0.2886%2,702
Noncurrent loans to loans0.5907%2,091
Net loans and leases to total assets47.9543%3,826
Net loans and leases to deposits54.6468%3,897
Net loans and leases to core deposits58.0452%3,831
Total domestic deposits to total assets87.7531%1,977
Equity capital to assets7.9607%4,516
Core capital (leverage) ratio7.6869%4,721
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9965%1,571
Memoranda:
Average total assets$562,462,5001,533
Average earning assets$544,245,5001,490
Average equity$45,047,0001,921
Average total loans$282,975,0001,816
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6138%3,771
Cost of funding earning assets0.3645%3,792
Net interest margin3.2493%3,214
Noninterest income to average assets1.0955%889
Noninterest expense to average assets2.1685%3,760
Loan and lease loss provision to assets0.1432%2,568
Net operating income to assets1.4748%865
Return on assets (ROA)1.4748%940
Pretax return on assets1.9158%534
Return on Equity (ROE)17.5117%369
Retained earnings to average equity (ytd only)13.1277%234
Net charge-offs to loans0.1068%1,404
Credit loss provision to net charge-offs222.2930%2,054
Earnings coverage of net charge-offs (x)31.9682%1,554
Efficiency ratio51.2955%4,439
Assets per employee ($millions)8.0012%1,038
Cash dividends to net income (ytd only)*25.0348%3,051
Condition Ratios (%)
Loss allowance to loans1.7755%894
Loan loss allowance to noncurrent loans477.8928%1,177
Noncurrent assets plus other real estate owned to assets0.1992%3,289
Noncurrent loans to loans0.3715%2,869
Net loans and leases to total assets50.9035%3,754
Net loans and leases to deposits58.2976%3,876
Net loans and leases to core deposits62.3201%3,815
Total domestic deposits to total assets87.3166%1,789
Equity capital to assets8.0589%4,685
Core capital (leverage) ratio7.7134%4,768
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9328%1,878
Memoranda:
Average total assets$487,527,0001,588
Average earning assets$469,921,2001,538
Average equity$41,058,2001,986
Average total loans$293,951,2001,706
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7430%3,696
Cost of funding earning assets0.4111%3,761
Net interest margin3.3320%3,094
Noninterest income to average assets1.0864%876
Noninterest expense to average assets2.2331%3,600
Loan and lease loss provision to assets0.1856%2,131
Net operating income to assets1.4487%997
Return on assets (ROA)1.4487%1,091
Pretax return on assets1.8798%663
Return on Equity (ROE)16.9881%450
Retained earnings to average equity (ytd only)11.0180%573
Net charge-offs to loans0.1108%1,233
Credit loss provision to net charge-offs266.6667%1,867
Earnings coverage of net charge-offs (x)29.6829%1,594
Efficiency ratio51.9510%4,350
Assets per employee ($millions)7.9378%1,023
Cash dividends to net income (ytd only)*35.1425%2,131
Condition Ratios (%)
Loss allowance to loans1.7067%883
Loan loss allowance to noncurrent loans920.0000%632
Noncurrent assets plus other real estate owned to assets0.1130%3,869
Noncurrent loans to loans0.1855%3,647
Net loans and leases to total assets56.1322%3,610
Net loans and leases to deposits64.7180%3,734
Net loans and leases to core deposits69.2263%3,684
Total domestic deposits to total assets86.7335%1,758
Equity capital to assets8.1200%4,671
Core capital (leverage) ratio7.5741%4,847
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1302%2,143
Memoranda:
Average total assets$471,387,7501,617
Average earning assets$454,416,2501,560
Average equity$40,199,7502,009
Average total loans$295,911,5001,695
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9578%3,439
Cost of funding earning assets0.4642%3,722
Net interest margin3.4936%2,805
Noninterest income to average assets1.0192%948
Noninterest expense to average assets2.3059%3,498
Loan and lease loss provision to assets0.1749%2,263
Net operating income to assets1.4664%982
Return on assets (ROA)1.4664%1,075
Pretax return on assets1.9014%670
Return on Equity (ROE)16.8850%465
Retained earnings to average equity (ytd only)7.7525%1,383
Net charge-offs to loans0.1574%939
Credit loss provision to net charge-offs171.1207%2,033
Earnings coverage of net charge-offs (x)20.3103%1,690
Efficiency ratio52.6194%4,313
Assets per employee ($millions)7.1688%1,348
Cash dividends to net income (ytd only)*54.0865%1,424
Condition Ratios (%)
Loss allowance to loans1.6454%912
Loan loss allowance to noncurrent loans166.9873%2,422
Noncurrent assets plus other real estate owned to assets0.5792%2,075
Noncurrent loans to loans0.9853%1,577
Net loans and leases to total assets57.0876%3,596
Net loans and leases to deposits65.3515%3,773
Net loans and leases to core deposits69.7328%3,731
Total domestic deposits to total assets87.3547%1,472
Equity capital to assets8.0163%4,710
Core capital (leverage) ratio7.8112%4,825
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8811%2,657
Memoranda:
Average total assets$453,886,3331,647
Average earning assets$436,910,6671,590
Average equity$39,419,6672,022
Average total loans$294,822,6671,687
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4134%2,571
Cost of funding earning assets0.5711%3,587
Net interest margin3.8423%1,837
Noninterest income to average assets1.1127%696
Noninterest expense to average assets2.4028%3,536
Loan and lease loss provision to assets0.1482%1,912
Net operating income to assets1.7338%474
Return on assets (ROA)1.7338%527
Pretax return on assets2.2480%266
Return on Equity (ROE)19.0867%210
Retained earnings to average equity (ytd only)0.4958%3,883
Net charge-offs to loans0.2187%643
Credit loss provision to net charge-offs98.1366%1,864
Earnings coverage of net charge-offs (x)15.8634%1,550
Efficiency ratio50.0684%4,662
Assets per employee ($millions)5.9667%1,712
Cash dividends to net income (ytd only)*97.4026%779
Condition Ratios (%)
Loss allowance to loans1.6151%1,034
Loan loss allowance to noncurrent loans570.9246%861
Noncurrent assets plus other real estate owned to assets0.1940%3,712
Noncurrent loans to loans0.2829%3,478
Net loans and leases to total assets67.4804%2,619
Net loans and leases to deposits78.7181%2,812
Net loans and leases to core deposits85.0068%2,764
Total domestic deposits to total assets85.7241%2,118
Equity capital to assets9.1774%4,480
Core capital (leverage) ratio8.4057%4,838
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6600%2,858
Memoranda:
Average total assets$426,335,5001,686
Average earning assets$409,024,0001,637
Average equity$38,728,5002,034
Average total loans$294,519,0001,665
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6591%2,438
Cost of funding earning assets0.5992%3,637
Net interest margin4.0599%1,649
Noninterest income to average assets1.3111%551
Noninterest expense to average assets2.5584%3,295
Loan and lease loss provision to assets0.1205%1,761
Net operating income to assets1.8946%434
Return on assets (ROA)1.8946%451
Pretax return on assets2.5156%207
Return on Equity (ROE)20.4506%192
Retained earnings to average equity (ytd only)0.9688%4,390
Net charge-offs to loans0.1596%1,263
Credit loss provision to net charge-offs104.5929%2,368
Earnings coverage of net charge-offs (x)22.8727%1,834
Efficiency ratio49.2519%4,772
Assets per employee ($millions)6.1291%1,536
Cash dividends to net income (ytd only)*95.2629%411
Condition Ratios (%)
Loss allowance to loans1.5733%1,038
Loan loss allowance to noncurrent loans267.1217%1,689
Noncurrent assets plus other real estate owned to assets0.4198%2,716
Noncurrent loans to loans0.5890%2,417
Net loans and leases to total assets68.4741%2,614
Net loans and leases to deposits79.8528%2,794
Net loans and leases to core deposits86.1986%2,776
Total domestic deposits to total assets85.7503%2,160
Equity capital to assets8.9918%4,685
Core capital (leverage) ratio8.4478%4,867
Tier 1 risk-based capital ratio11.4299%4,661
Total risk-based capital ratio12.6833%4,537
Memoranda:
Average total assets$415,606,8001,689
Average earning assets$397,547,8001,641
Average equity$38,502,6001,993
Average total loans$300,203,4001,602
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6746%2,489
Cost of funding earning assets0.6024%3,690
Net interest margin4.0722%1,696
Noninterest income to average assets1.2901%558
Noninterest expense to average assets2.5929%3,183
Loan and lease loss provision to assets0.1323%1,453
Net operating income to assets1.8700%538
Return on assets (ROA)1.8700%561
Pretax return on assets2.4632%266
Return on Equity (ROE)20.0322%243
Retained earnings to average equity (ytd only)2.7093%4,010
Net charge-offs to loans0.1481%1,101
Credit loss provision to net charge-offs122.4551%1,927
Earnings coverage of net charge-offs (x)24.0271%1,810
Efficiency ratio49.9751%4,746
Assets per employee ($millions)6.1470%1,497
Cash dividends to net income (ytd only)*86.4753%502
Condition Ratios (%)
Loss allowance to loans1.5932%1,009
Loan loss allowance to noncurrent loans426.6846%1,119
Noncurrent assets plus other real estate owned to assets0.2624%3,511
Noncurrent loans to loans0.3734%3,221
Net loans and leases to total assets69.1584%2,599
Net loans and leases to deposits81.0817%2,790
Net loans and leases to core deposits87.3792%2,793
Total domestic deposits to total assets85.2946%2,301
Equity capital to assets9.1971%4,668
Core capital (leverage) ratio8.6678%4,855
Tier 1 risk-based capital ratio11.5451%4,648
Total risk-based capital ratio12.7987%4,549
Memoranda:
Average total assets$412,250,0001,709
Average earning assets$394,630,2501,658
Average equity$38,483,7502,008
Average total loans$300,636,0001,614
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6709%2,449
Cost of funding earning assets0.5853%3,724
Net interest margin4.0856%1,648
Noninterest income to average assets1.3246%498
Noninterest expense to average assets2.6001%3,199
Loan and lease loss provision to assets0.1323%1,415
Net operating income to assets1.8982%487
Return on assets (ROA)1.8982%507
Pretax return on assets2.5007%241
Return on Equity (ROE)20.2304%243
Retained earnings to average equity (ytd only)4.5682%2,992
Net charge-offs to loans0.1466%1,058
Credit loss provision to net charge-offs122.1719%1,719
Earnings coverage of net charge-offs (x)24.3213%1,630
Efficiency ratio49.6864%4,797
Assets per employee ($millions)5.7268%1,760
Cash dividends to net income (ytd only)*77.4194%891
Condition Ratios (%)
Loss allowance to loans1.5791%1,076
Loan loss allowance to noncurrent loans434.4986%1,124
Noncurrent assets plus other real estate owned to assets0.2636%3,513
Noncurrent loans to loans0.3634%3,225
Net loans and leases to total assets71.3906%2,307
Net loans and leases to deposits83.9851%2,496
Net loans and leases to core deposits90.3216%2,572
Total domestic deposits to total assets85.0039%2,481
Equity capital to assets9.4758%4,423
Core capital (leverage) ratio8.8087%4,779
Tier 1 risk-based capital ratio11.5093%4,682
Total risk-based capital ratio12.7624%4,573
Memoranda:
Average total assets$408,285,3301,730
Average earning assets$390,588,0001,675
Average equity$38,308,6702,008
Average total loans$301,488,0001,617
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5927%2,552
Cost of funding earning assets0.5704%3,730
Net interest margin4.0224%1,785
Noninterest income to average assets1.1116%659
Noninterest expense to average assets2.5944%3,230
Loan and lease loss provision to assets0.1319%1,317
Net operating income to assets1.6925%740
Return on assets (ROA)1.6925%765
Pretax return on assets2.2252%425
Return on Equity (ROE)18.1296%386
Retained earnings to average equity (ytd only)2.3097%3,977
Net charge-offs to loans0.1612%837
Credit loss provision to net charge-offs109.8361%1,498
Earnings coverage of net charge-offs (x)19.6230%1,588
Efficiency ratio52.3961%4,669
Assets per employee ($millions)5.2473%2,233
Cash dividends to net income (ytd only)*87.2600%794
Condition Ratios (%)
Loss allowance to loans1.5577%1,155
Loan loss allowance to noncurrent loans633.2432%865
Noncurrent assets plus other real estate owned to assets0.2480%3,624
Noncurrent loans to loans0.2460%3,683
Net loans and leases to total assets72.3543%2,099
Net loans and leases to deposits84.3658%2,344
Net loans and leases to core deposits90.3160%2,466
Total domestic deposits to total assets85.7627%2,382
Equity capital to assets9.3222%4,408
Core capital (leverage) ratio8.8514%4,753
Tier 1 risk-based capital ratio11.2082%4,877
Total risk-based capital ratio12.4612%4,788
Memoranda:
Average total assets$406,261,5001,748
Average earning assets$387,829,0001,695
Average equity$37,927,0002,018
Average total loans$302,687,0001,617
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3598%2,898
Cost of funding earning assets0.3393%4,353
Net interest margin4.0206%1,920
Noninterest income to average assets1.1228%733
Noninterest expense to average assets2.5514%3,464
Loan and lease loss provision to assets0.1013%2,166
Net operating income to assets1.7761%588
Return on assets (ROA)1.7755%586
Pretax return on assets2.3180%289
Return on Equity (ROE)18.7634%320
Retained earnings to average equity (ytd only)0.5364%4,842
Net charge-offs to loans0.1687%1,141
Credit loss provision to net charge-offs79.9611%2,866
Earnings coverage of net charge-offs (x)19.1089%2,088
Efficiency ratio50.9739%4,878
Assets per employee ($millions)5.1042%2,376
Cash dividends to net income (ytd only)*97.1413%308
Condition Ratios (%)
Loss allowance to loans1.5347%1,187
Loan loss allowance to noncurrent loans616.6227%915
Noncurrent assets plus other real estate owned to assets0.2562%3,563
Noncurrent loans to loans0.2489%3,692
Net loans and leases to total assets74.3677%1,873
Net loans and leases to deposits87.1598%2,151
Net loans and leases to core deposits93.2320%2,295
Total domestic deposits to total assets85.3234%2,504
Equity capital to assets9.3492%4,268
Core capital (leverage) ratio8.7839%4,820
Tier 1 risk-based capital ratio10.7911%5,073
Total risk-based capital ratio12.0435%4,958
Memoranda:
Average total assets$405,861,2001,690
Average earning assets$388,501,2001,627
Average equity$38,404,6001,920
Average total loans$304,690,6001,580
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2661%3,084
Cost of funding earning assets0.2948%4,554
Net interest margin3.9713%2,047
Noninterest income to average assets1.1181%752
Noninterest expense to average assets2.5819%3,337
Loan and lease loss provision to assets0.0948%2,079
Net operating income to assets1.7098%728
Return on assets (ROA)1.7088%734
Pretax return on assets2.2440%371
Return on Equity (ROE)18.0050%426
Retained earnings to average equity (ytd only)3.3176%4,091
Net charge-offs to loans0.1593%1,038
Credit loss provision to net charge-offs79.3956%2,536
Earnings coverage of net charge-offs (x)19.6017%1,998
Efficiency ratio51.9891%4,813
Assets per employee ($millions)5.1500%2,278
Cash dividends to net income (ytd only)*81.5740%542
Condition Ratios (%)
Loss allowance to loans1.5389%1,234
Loan loss allowance to noncurrent loans548.6581%1,002
Noncurrent assets plus other real estate owned to assets0.2955%3,505
Noncurrent loans to loans0.2805%3,683
Net loans and leases to total assets74.8916%1,836
Net loans and leases to deposits88.5273%2,083
Net loans and leases to core deposits91.8334%2,497
Total domestic deposits to total assets84.5971%2,760
Equity capital to assets9.5161%4,067
Core capital (leverage) ratio9.0883%4,622
Tier 1 risk-based capital ratio11.2162%4,940
Total risk-based capital ratio12.4692%4,837
Memoranda:
Average total assets$406,518,2501,695
Average earning assets$389,383,5001,630
Average equity$38,581,0001,924
Average total loans$304,726,0001,587
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1920%3,144
Cost of funding earning assets0.2798%4,562
Net interest margin3.9123%2,167
Noninterest income to average assets1.0972%803
Noninterest expense to average assets2.5649%3,432
Loan and lease loss provision to assets0.0838%2,240
Net operating income to assets1.6730%763
Return on assets (ROA)1.6730%768
Pretax return on assets2.1969%388
Return on Equity (ROE)17.6437%457
Retained earnings to average equity (ytd only)9.8916%956
Net charge-offs to loans0.1984%792
Credit loss provision to net charge-offs56.6225%2,452
Earnings coverage of net charge-offs (x)15.4106%2,042
Efficiency ratio52.4575%4,842
Assets per employee ($millions)5.0491%2,354
Cash dividends to net income (ytd only)*43.9367%1,940
Condition Ratios (%)
Loss allowance to loans1.5099%1,367
Loan loss allowance to noncurrent loans599.4839%957
Noncurrent assets plus other real estate owned to assets0.2802%3,653
Noncurrent loans to loans0.2519%3,798
Net loans and leases to total assets75.0299%1,784
Net loans and leases to deposits86.0323%2,304
Net loans and leases to core deposits89.6287%2,604
Total domestic deposits to total assets87.2113%1,755
Equity capital to assets9.7285%3,892
Core capital (leverage) ratio9.2251%4,441
Tier 1 risk-based capital ratio11.1032%5,002
Total risk-based capital ratio12.3553%4,895
Memoranda:
Average total assets$408,125,0001,688
Average earning assets$391,026,3301,633
Average equity$38,699,3301,916
Average total loans$304,454,6701,577
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0686%3,342
Cost of funding earning assets0.2695%4,582
Net interest margin3.7990%2,428
Noninterest income to average assets1.0560%823
Noninterest expense to average assets2.5333%3,550
Loan and lease loss provision to assets0.0780%2,212
Net operating income to assets1.5894%879
Return on assets (ROA)1.5894%883
Pretax return on assets2.0867%481
Return on Equity (ROE)16.9787%512
Retained earnings to average equity (ytd only)16.9787%192
Net charge-offs to loans0.1823%801
Credit loss provision to net charge-offs57.9710%1,897
Earnings coverage of net charge-offs (x)16.0870%1,640
Efficiency ratio53.4454%4,849
Assets per employee ($millions)5.2591%2,188
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.5516%1,283
Loan loss allowance to noncurrent loans577.6010%960
Noncurrent assets plus other real estate owned to assets0.2899%3,698
Noncurrent loans to loans0.2686%3,809
Net loans and leases to total assets73.9391%1,862
Net loans and leases to deposits83.9201%2,395
Net loans and leases to core deposits87.3856%2,688
Total domestic deposits to total assets88.1065%1,557
Equity capital to assets9.6486%3,944
Core capital (leverage) ratio9.1250%4,539
Tier 1 risk-based capital ratio11.0959%5,084
Total risk-based capital ratio12.3484%4,983
Memoranda:
Average total assets$410,224,0001,689
Average earning assets$393,259,0001,636
Average equity$38,401,0001,941
Average total loans$302,826,0001,589
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9170%3,667
Cost of funding earning assets0.2137%4,838
Net interest margin3.7033%2,779
Noninterest income to average assets1.1423%782
Noninterest expense to average assets2.4559%3,923
Loan and lease loss provision to assets0.1103%2,047
Net operating income to assets1.2740%1,292
Return on assets (ROA)1.2741%1,312
Pretax return on assets2.1265%373
Return on Equity (ROE)13.7866%790
Retained earnings to average equity (ytd only)-0.6044%5,132
Net charge-offs to loans0.1465%1,621
Credit loss provision to net charge-offs103.4014%2,473
Earnings coverage of net charge-offs (x)20.9728%1,936
Efficiency ratio51.8578%5,109
Assets per employee ($millions)5.3961%2,053
Cash dividends to net income (ytd only)*104.3841%303
Condition Ratios (%)
Loss allowance to loans1.5843%1,173
Loan loss allowance to noncurrent loans340.4847%1,513
Noncurrent assets plus other real estate owned to assets0.4207%3,182
Noncurrent loans to loans0.4653%3,115
Net loans and leases to total assets71.4178%2,319
Net loans and leases to deposits80.1605%2,899
Net loans and leases to core deposits83.2767%3,127
Total domestic deposits to total assets89.0935%967
Equity capital to assets9.0807%4,639
Core capital (leverage) ratio8.5692%5,074
Tier 1 risk-based capital ratio10.5463%5,353
Total risk-based capital ratio11.7989%5,258
Memoranda:
Average total assets$413,536,8001,655
Average earning assets$396,430,0001,606
Average equity$38,218,4001,922
Average total loans$301,020,8001,564
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8704%3,766
Cost of funding earning assets0.2049%4,937
Net interest margin3.6655%2,890
Noninterest income to average assets1.1337%785
Noninterest expense to average assets2.4655%3,838
Loan and lease loss provision to assets0.0846%2,398
Net operating income to assets1.3497%1,199
Return on assets (ROA)1.3499%1,223
Pretax return on assets2.0998%447
Return on Equity (ROE)14.5430%730
Retained earnings to average equity (ytd only)0.6329%5,080
Net charge-offs to loans0.1303%1,485
Credit loss provision to net charge-offs89.1156%2,470
Earnings coverage of net charge-offs (x)23.0136%1,835
Efficiency ratio52.5410%5,054
Assets per employee ($millions)5.3350%2,083
Cash dividends to net income (ytd only)*95.6480%362
Condition Ratios (%)
Loss allowance to loans1.5570%1,341
Loan loss allowance to noncurrent loans314.2857%1,525
Noncurrent assets plus other real estate owned to assets0.4462%3,252
Noncurrent loans to loans0.4954%3,210
Net loans and leases to total assets72.8005%2,126
Net loans and leases to deposits82.8878%2,672
Net loans and leases to core deposits85.9662%2,973
Total domestic deposits to total assets87.8302%1,457
Equity capital to assets9.3536%4,590
Core capital (leverage) ratio8.7284%5,028
Tier 1 risk-based capital ratio10.9632%5,266
Total risk-based capital ratio12.2162%5,155
Memoranda:
Average total assets$413,046,7501,672
Average earning assets$396,190,5001,619
Average equity$38,340,5001,940
Average total loans$300,897,0001,576
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7989%3,900
Cost of funding earning assets0.1937%5,038
Net interest margin3.6052%3,015
Noninterest income to average assets1.1242%790
Noninterest expense to average assets2.4447%3,930
Loan and lease loss provision to assets0.0817%2,357
Net operating income to assets1.3227%1,246
Return on assets (ROA)1.3214%1,272
Pretax return on assets2.0503%492
Return on Equity (ROE)14.2720%777
Retained earnings to average equity (ytd only)1.2215%4,755
Net charge-offs to loans0.0907%1,705
Credit loss provision to net charge-offs124.2647%1,743
Earnings coverage of net charge-offs (x)32.4632%1,413
Efficiency ratio52.8977%5,102
Assets per employee ($millions)5.2594%2,099
Cash dividends to net income (ytd only)*91.4411%600
Condition Ratios (%)
Loss allowance to loans1.5908%1,281
Loan loss allowance to noncurrent loans329.3269%1,465
Noncurrent assets plus other real estate owned to assets0.4268%3,406
Noncurrent loans to loans0.4831%3,300
Net loans and leases to total assets72.3062%2,150
Net loans and leases to deposits82.0277%2,698
Net loans and leases to core deposits84.5692%3,009
Total domestic deposits to total assets88.1484%1,384
Equity capital to assets9.3786%4,541
Core capital (leverage) ratio8.7563%4,997
Tier 1 risk-based capital ratio11.0444%5,232
Total risk-based capital ratio12.2976%5,123
Memoranda:
Average total assets$413,797,3301,671
Average earning assets$396,487,6701,624
Average equity$38,312,6701,940
Average total loans$299,932,3301,579
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7318%3,995
Cost of funding earning assets0.1870%5,094
Net interest margin3.5447%3,101
Noninterest income to average assets1.0539%905
Noninterest expense to average assets2.4342%4,018
Loan and lease loss provision to assets0.0789%2,236
Net operating income to assets1.2503%1,377
Return on assets (ROA)1.2503%1,408
Pretax return on assets1.9337%580
Return on Equity (ROE)13.5907%885
Retained earnings to average equity (ytd only)1.0358%4,644
Net charge-offs to loans0.0989%1,379
Credit loss provision to net charge-offs110.8108%1,473
Earnings coverage of net charge-offs (x)28.2568%1,257
Efficiency ratio54.2424%5,102
Assets per employee ($millions)5.2268%2,157
Cash dividends to net income (ytd only)*92.3788%796
Condition Ratios (%)
Loss allowance to loans1.5965%1,392
Loan loss allowance to noncurrent loans525.9096%1,016
Noncurrent assets plus other real estate owned to assets0.2197%4,341
Noncurrent loans to loans0.3036%4,030
Net loans and leases to total assets71.2018%2,184
Net loans and leases to deposits80.9088%2,629
Net loans and leases to core deposits83.6050%2,936
Total domestic deposits to total assets88.0026%1,712
Equity capital to assets9.2782%4,536
Core capital (leverage) ratio8.6074%5,149
Tier 1 risk-based capital ratio10.9349%5,341
Total risk-based capital ratio12.1881%5,259
Memoranda:
Average total assets$415,580,0001,674
Average earning assets$397,772,5001,630
Average equity$38,232,0001,952
Average total loans$299,189,5001,583
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7127%4,174
Cost of funding earning assets0.1595%5,359
Net interest margin3.5532%3,239
Noninterest income to average assets1.1619%841
Noninterest expense to average assets2.4554%4,144
Loan and lease loss provision to assets0.0609%3,155
Net operating income to assets1.3323%1,136
Return on assets (ROA)1.3317%1,193
Pretax return on assets2.0497%448
Return on Equity (ROE)14.7431%660
Retained earnings to average equity (ytd only)4.3022%2,840
Net charge-offs to loans0.0893%2,422
Credit loss provision to net charge-offs99.6047%2,619
Earnings coverage of net charge-offs (x)34.5138%1,312
Efficiency ratio53.2723%5,299
Assets per employee ($millions)5.2942%2,064
Cash dividends to net income (ytd only)*70.8190%1,281
Condition Ratios (%)
Loss allowance to loans1.5894%1,396
Loan loss allowance to noncurrent loans406.6610%1,256
Noncurrent assets plus other real estate owned to assets0.2800%4,154
Noncurrent loans to loans0.3908%3,745
Net loans and leases to total assets70.4955%2,405
Net loans and leases to deposits80.2954%2,859
Net loans and leases to core deposits82.7735%3,145
Total domestic deposits to total assets87.7952%1,749
Equity capital to assets9.1222%4,681
Core capital (leverage) ratio8.6384%5,132
Tier 1 risk-based capital ratio10.7130%5,481
Total risk-based capital ratio11.9657%5,390
Memoranda:
Average total assets$413,529,8001,634
Average earning assets$396,286,6001,590
Average equity$37,353,0001,959
Average total loans$283,421,0001,604
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7029%4,244
Cost of funding earning assets0.1580%5,427
Net interest margin3.5449%3,296
Noninterest income to average assets1.1802%827
Noninterest expense to average assets2.5188%3,931
Loan and lease loss provision to assets0.0847%2,527
Net operating income to assets1.2884%1,328
Return on assets (ROA)1.2875%1,435
Pretax return on assets1.9769%603
Return on Equity (ROE)14.2901%770
Retained earnings to average equity (ytd only)0.2943%5,273
Net charge-offs to loans0.0396%2,841
Credit loss provision to net charge-offs315.6627%993
Earnings coverage of net charge-offs (x)76.8701%810
Efficiency ratio54.4813%5,202
Assets per employee ($millions)5.0792%2,281
Cash dividends to net income (ytd only)*97.9407%425
Condition Ratios (%)
Loss allowance to loans1.6583%1,308
Loan loss allowance to noncurrent loans172.8576%2,500
Noncurrent assets plus other real estate owned to assets0.7302%2,733
Noncurrent loans to loans0.9594%2,323
Net loans and leases to total assets71.2346%2,310
Net loans and leases to deposits85.0546%2,361
Net loans and leases to core deposits88.1910%2,740
Total domestic deposits to total assets83.7517%3,295
Equity capital to assets9.0315%5,149
Core capital (leverage) ratio8.4108%5,422
Tier 1 risk-based capital ratio10.5122%5,616
Total risk-based capital ratio11.7660%5,533
Memoranda:
Average total assets$412,351,0001,639
Average earning assets$395,677,2501,586
Average equity$37,153,0001,982
Average total loans$279,374,7501,619
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6837%4,347
Cost of funding earning assets0.1602%5,480
Net interest margin3.5234%3,399
Noninterest income to average assets1.2349%743
Noninterest expense to average assets2.5173%3,990
Loan and lease loss provision to assets0.0805%2,528
Net operating income to assets1.3152%1,235
Return on assets (ROA)1.3139%1,329
Pretax return on assets2.0137%553
Return on Equity (ROE)14.5942%731
Retained earnings to average equity (ytd only)0.5976%5,128
Net charge-offs to loans0.0139%3,261
Credit loss provision to net charge-offs873.6842%413
Earnings coverage of net charge-offs (x)227.6316%286
Efficiency ratio54.0708%5,306
Assets per employee ($millions)5.0446%2,257
Cash dividends to net income (ytd only)*95.9056%571
Condition Ratios (%)
Loss allowance to loans1.7229%1,227
Loan loss allowance to noncurrent loans241.8719%1,950
Noncurrent assets plus other real estate owned to assets0.5438%3,400
Noncurrent loans to loans0.7123%2,944
Net loans and leases to total assets68.5439%2,701
Net loans and leases to deposits81.0555%2,811
Net loans and leases to core deposits84.0682%3,077
Total domestic deposits to total assets84.5642%3,067
Equity capital to assets9.1387%5,126
Core capital (leverage) ratio8.3065%5,530
Tier 1 risk-based capital ratio10.8288%5,513
Total risk-based capital ratio12.0833%5,430
Memoranda:
Average total assets$412,663,0001,638
Average earning assets$395,692,3301,589
Average equity$37,151,6701,988
Average total loans$273,162,3301,652
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6416%4,503
Cost of funding earning assets0.1603%5,544
Net interest margin3.4813%3,553
Noninterest income to average assets1.0967%900
Noninterest expense to average assets2.4336%4,281
Loan and lease loss provision to assets0.0772%2,415
Net operating income to assets1.2555%1,393
Return on assets (ROA)1.2530%1,495
Pretax return on assets1.9137%671
Return on Equity (ROE)14.0218%828
Retained earnings to average equity (ytd only)2.1481%4,400
Net charge-offs to loans0.0030%3,016
Credit loss provision to net charge-offs4,000.0000%101
Earnings coverage of net charge-offs (x)1,034.0000%41
Efficiency ratio54.4544%5,343
Assets per employee ($millions)5.0936%2,245
Cash dividends to net income (ytd only)*84.6805%921
Condition Ratios (%)
Loss allowance to loans1.7421%1,263
Loan loss allowance to noncurrent loans286.1111%1,673
Noncurrent assets plus other real estate owned to assets0.4414%3,824
Noncurrent loans to loans0.6089%3,350
Net loans and leases to total assets66.1794%2,923
Net loans and leases to deposits78.5181%2,951
Net loans and leases to core deposits81.4549%3,182
Total domestic deposits to total assets84.2856%3,403
Equity capital to assets9.0450%5,126
Core capital (leverage) ratio8.3183%5,552
Tier 1 risk-based capital ratio10.7618%5,635
Total risk-based capital ratio12.0159%5,532
Memoranda:
Average total assets$414,687,5001,638
Average earning assets$396,862,5001,581
Average equity$37,056,5001,983
Average total loans$267,248,5001,682
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6902%4,395
Cost of funding earning assets0.1620%5,592
Net interest margin3.5282%3,419
Noninterest income to average assets1.1436%903
Noninterest expense to average assets2.5063%4,206
Loan and lease loss provision to assets0.0605%3,093
Net operating income to assets1.2805%1,320
Return on assets (ROA)1.2817%1,354
Pretax return on assets1.9508%600
Return on Equity (ROE)13.8611%862
Retained earnings to average equity (ytd only)0.6323%5,263
Net charge-offs to loans0.0737%2,778
Credit loss provision to net charge-offs130.9783%1,998
Earnings coverage of net charge-offs (x)43.5272%1,094
Efficiency ratio54.9839%5,443
Assets per employee ($millions)5.2099%2,112
Cash dividends to net income (ytd only)*95.4385%489
Condition Ratios (%)
Loss allowance to loans1.8561%1,040
Loan loss allowance to noncurrent loans286.5824%1,718
Noncurrent assets plus other real estate owned to assets0.4249%3,905
Noncurrent loans to loans0.6477%3,240
Net loans and leases to total assets60.4253%3,773
Net loans and leases to deposits68.6161%4,067
Net loans and leases to core deposits71.0586%4,207
Total domestic deposits to total assets88.0629%1,597
Equity capital to assets8.8281%5,283
Core capital (leverage) ratio8.2791%5,625
Tier 1 risk-based capital ratio10.9272%5,557
Total risk-based capital ratio12.1812%5,468
Memoranda:
Average total assets$398,548,6001,653
Average earning assets$380,932,4001,605
Average equity$36,851,2001,939
Average total loans$249,788,2001,732
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7018%4,417
Cost of funding earning assets0.1630%5,679
Net interest margin3.5388%3,392
Noninterest income to average assets1.1276%946
Noninterest expense to average assets2.5489%4,050
Loan and lease loss provision to assets0.0738%2,695
Net operating income to assets1.2468%1,500
Return on assets (ROA)1.2484%1,544
Pretax return on assets1.8941%735
Return on Equity (ROE)13.3419%1,051
Retained earnings to average equity (ytd only)0.5027%5,475
Net charge-offs to loans0.0435%3,023
Credit loss provision to net charge-offs269.1358%1,071
Earnings coverage of net charge-offs (x)71.7019%800
Efficiency ratio55.9370%5,361
Assets per employee ($millions)4.9097%2,407
Cash dividends to net income (ytd only)*96.2322%426
Condition Ratios (%)
Loss allowance to loans1.9096%1,051
Loan loss allowance to noncurrent loans247.4706%1,869
Noncurrent assets plus other real estate owned to assets0.5273%3,732
Noncurrent loans to loans0.7716%3,035
Net loans and leases to total assets63.3372%3,403
Net loans and leases to deposits71.6385%3,812
Net loans and leases to core deposits74.2957%3,984
Total domestic deposits to total assets88.4123%1,333
Equity capital to assets9.4440%4,820
Core capital (leverage) ratio8.4867%5,560
Tier 1 risk-based capital ratio11.6840%5,276
Total risk-based capital ratio12.9397%5,194
Memoranda:
Average total assets$393,987,7501,684
Average earning assets$377,069,5001,624
Average equity$36,865,2501,951
Average total loans$248,082,5001,752
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6846%4,452
Cost of funding earning assets0.1601%5,776
Net interest margin3.5244%3,393
Noninterest income to average assets1.0999%1,000
Noninterest expense to average assets2.5259%4,152
Loan and lease loss provision to assets0.0979%2,188
Net operating income to assets1.2203%1,540
Return on assets (ROA)1.2226%1,610
Pretax return on assets1.8504%816
Return on Equity (ROE)13.1072%1,091
Retained earnings to average equity (ytd only)1.0112%5,165
Net charge-offs to loans-0.0171%5,114
Credit loss provision to net charge-offs-919.0476%5,343
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.9664%5,431
Assets per employee ($millions)4.7747%2,578
Cash dividends to net income (ytd only)*92.2854%661
Condition Ratios (%)
Loss allowance to loans1.9691%1,030
Loan loss allowance to noncurrent loans276.0943%1,723
Noncurrent assets plus other real estate owned to assets0.4651%4,072
Noncurrent loans to loans0.7132%3,350
Net loans and leases to total assets61.8053%3,581
Net loans and leases to deposits69.5676%3,976
Net loans and leases to core deposits72.3057%4,102
Total domestic deposits to total assets88.8421%1,224
Equity capital to assets9.3293%4,861
Core capital (leverage) ratio8.4553%5,574
Tier 1 risk-based capital ratio11.6536%5,365
Total risk-based capital ratio12.9096%5,280
Memoranda:
Average total assets$394,391,3301,697
Average earning assets$377,193,6701,636
Average equity$36,789,0001,957
Average total loans$246,237,6701,769
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6660%4,484
Cost of funding earning assets0.1596%5,844
Net interest margin3.5064%3,416
Noninterest income to average assets1.0075%1,105
Noninterest expense to average assets2.4421%4,469
Loan and lease loss provision to assets0.0996%2,032
Net operating income to assets1.2017%1,544
Return on assets (ROA)1.2017%1,638
Pretax return on assets1.8168%841
Return on Equity (ROE)12.8837%1,120
Retained earnings to average equity (ytd only)-4.8287%5,926
Net charge-offs to loans-0.0344%5,328
Credit loss provision to net charge-offs-466.6667%4,806
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.4934%5,558
Assets per employee ($millions)5.2189%2,087
Cash dividends to net income (ytd only)*137.4788%420
Condition Ratios (%)
Loss allowance to loans1.9705%1,139
Loan loss allowance to noncurrent loans208.6035%2,145
Noncurrent assets plus other real estate owned to assets0.5932%3,702
Noncurrent loans to loans0.9446%2,889
Net loans and leases to total assets59.7306%3,692
Net loans and leases to deposits67.1913%4,036
Net loans and leases to core deposits69.7856%4,178
Total domestic deposits to total assets88.8963%1,338
Equity capital to assets9.1105%5,183
Core capital (leverage) ratio8.2945%5,731
Tier 1 risk-based capital ratio12.2724%5,063
Total risk-based capital ratio13.5298%4,969
Memoranda:
Average total assets$393,436,5001,702
Average earning assets$375,999,0001,643
Average equity$36,697,5001,977
Average total loans$244,429,0001,781
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7485%4,649
Cost of funding earning assets0.1911%5,828
Net interest margin3.5574%3,567
Noninterest income to average assets1.1128%987
Noninterest expense to average assets2.4331%4,750
Loan and lease loss provision to assets0.0246%4,114
Net operating income to assets1.3524%1,186
Return on assets (ROA)1.3609%1,205
Pretax return on assets2.0584%456
Return on Equity (ROE)14.8833%799
Retained earnings to average equity (ytd only)0.8256%5,398
Net charge-offs to loans0.1752%2,271
Credit loss provision to net charge-offs22.9508%3,938
Earnings coverage of net charge-offs (x)19.3302%1,789
Efficiency ratio53.5116%5,882
Assets per employee ($millions)5.0002%2,322
Cash dividends to net income (ytd only)*94.4526%472
Condition Ratios (%)
Loss allowance to loans1.9287%1,246
Loan loss allowance to noncurrent loans205.6818%2,196
Noncurrent assets plus other real estate owned to assets0.5943%3,807
Noncurrent loans to loans0.9377%2,975
Net loans and leases to total assets62.1521%3,479
Net loans and leases to deposits70.1612%3,891
Net loans and leases to core deposits73.0617%4,022
Total domestic deposits to total assets88.5847%1,476
Equity capital to assets9.5539%4,653
Core capital (leverage) ratio8.3478%5,729
Tier 1 risk-based capital ratio11.8313%5,473
Total risk-based capital ratio13.0870%5,378
Memoranda:
Average total assets$398,712,2001,645
Average earning assets$379,994,8001,592
Average equity$36,457,0001,927
Average total loans$243,689,6001,729
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6997%4,861
Cost of funding earning assets0.1976%5,855
Net interest margin3.5021%3,818
Noninterest income to average assets1.0480%1,121
Noninterest expense to average assets2.4422%4,691
Loan and lease loss provision to assets0.1273%1,970
Net operating income to assets1.2111%1,642
Return on assets (ROA)1.2224%1,659
Pretax return on assets1.8335%823
Return on Equity (ROE)13.5144%1,091
Retained earnings to average equity (ytd only)0.6854%5,599
Net charge-offs to loans0.0991%2,809
Credit loss provision to net charge-offs212.1547%1,213
Earnings coverage of net charge-offs (x)32.3919%1,303
Efficiency ratio55.1516%5,730
Assets per employee ($millions)4.9440%2,310
Cash dividends to net income (ytd only)*94.9281%425
Condition Ratios (%)
Loss allowance to loans2.1247%1,055
Loan loss allowance to noncurrent loans190.0581%2,239
Noncurrent assets plus other real estate owned to assets0.7210%3,646
Noncurrent loans to loans1.1179%2,824
Net loans and leases to total assets61.7792%3,517
Net loans and leases to deposits69.6409%3,962
Net loans and leases to core deposits72.8074%4,074
Total domestic deposits to total assets88.7110%1,394
Equity capital to assets9.3726%4,950
Core capital (leverage) ratio8.2619%5,875
Tier 1 risk-based capital ratio11.9873%5,496
Total risk-based capital ratio13.2457%5,408
Memoranda:
Average total assets$402,136,0001,655
Average earning assets$383,298,7501,597
Average equity$36,375,2501,941
Average total loans$243,611,5001,742
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6400%5,040
Cost of funding earning assets0.2058%5,867
Net interest margin3.4342%4,044
Noninterest income to average assets1.0118%1,170
Noninterest expense to average assets2.4010%4,877
Loan and lease loss provision to assets0.1591%1,564
Net operating income to assets1.1535%1,746
Return on assets (ROA)1.1710%1,751
Pretax return on assets1.7493%931
Return on Equity (ROE)13.0971%1,150
Retained earnings to average equity (ytd only)0.6998%5,458
Net charge-offs to loans0.1129%2,533
Credit loss provision to net charge-offs235.7664%1,032
Earnings coverage of net charge-offs (x)27.8905%1,324
Efficiency ratio55.5147%5,792
Assets per employee ($millions)5.0091%2,206
Cash dividends to net income (ytd only)*94.6571%605
Condition Ratios (%)
Loss allowance to loans2.1320%1,117
Loan loss allowance to noncurrent loans187.4686%2,262
Noncurrent assets plus other real estate owned to assets0.6898%3,921
Noncurrent loans to loans1.1373%2,956
Net loans and leases to total assets57.6456%4,029
Net loans and leases to deposits64.4135%4,455
Net loans and leases to core deposits67.3153%4,520
Total domestic deposits to total assets89.4929%1,095
Equity capital to assets8.8140%5,507
Core capital (leverage) ratio7.8793%6,168
Tier 1 risk-based capital ratio12.0776%5,496
Total risk-based capital ratio13.3363%5,416
Memoranda:
Average total assets$405,989,6701,640
Average earning assets$386,754,3301,583
Average equity$36,298,0001,931
Average total loans$242,638,0001,738
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6354%5,050
Cost of funding earning assets0.2161%5,876
Net interest margin3.4193%4,026
Noninterest income to average assets0.9873%1,157
Noninterest expense to average assets2.4173%4,878
Loan and lease loss provision to assets0.1606%1,515
Net operating income to assets1.1189%1,735
Return on assets (ROA)1.1209%1,794
Pretax return on assets1.6634%1,042
Return on Equity (ROE)12.4458%1,298
Retained earnings to average equity (ytd only)1.3730%5,063
Net charge-offs to loans0.0629%2,531
Credit loss provision to net charge-offs423.6842%623
Earnings coverage of net charge-offs (x)48.0526%774
Efficiency ratio56.4941%5,797
Assets per employee ($millions)5.0836%2,146
Cash dividends to net income (ytd only)*88.9680%829
Condition Ratios (%)
Loss allowance to loans2.1445%1,244
Loan loss allowance to noncurrent loans226.8250%1,877
Noncurrent assets plus other real estate owned to assets0.5657%4,453
Noncurrent loans to loans0.9454%3,525
Net loans and leases to total assets55.7821%4,168
Net loans and leases to deposits62.3927%4,507
Net loans and leases to core deposits65.1994%4,579
Total domestic deposits to total assets89.4048%1,420
Equity capital to assets8.5901%5,561
Core capital (leverage) ratio7.7909%6,225
Tier 1 risk-based capital ratio11.9245%5,694
Total risk-based capital ratio13.1828%5,615
Memoranda:
Average total assets$401,105,5001,666
Average earning assets$381,359,5001,615
Average equity$36,124,5001,936
Average total loans$241,513,5001,749
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9054%4,439
Cost of funding earning assets0.2777%5,781
Net interest margin3.6277%3,342
Noninterest income to average assets1.2216%941
Noninterest expense to average assets2.4518%4,924
Loan and lease loss provision to assets0.1961%1,890
Net operating income to assets1.3388%1,158
Return on assets (ROA)1.4201%1,022
Pretax return on assets2.1486%340
Return on Equity (ROE)15.6611%666
Retained earnings to average equity (ytd only)0.6835%5,528
Net charge-offs to loans0.2601%2,408
Credit loss provision to net charge-offs122.1538%1,944
Earnings coverage of net charge-offs (x)13.8400%1,988
Efficiency ratio51.9736%6,297
Assets per employee ($millions)4.4738%2,951
Cash dividends to net income (ytd only)*95.6355%515
Condition Ratios (%)
Loss allowance to loans2.0763%1,377
Loan loss allowance to noncurrent loans472.3265%1,019
Noncurrent assets plus other real estate owned to assets0.3022%5,359
Noncurrent loans to loans0.4396%4,905
Net loans and leases to total assets62.4467%3,305
Net loans and leases to deposits70.2953%3,746
Net loans and leases to core deposits73.8418%3,855
Total domestic deposits to total assets88.8349%1,730
Equity capital to assets9.4679%4,476
Core capital (leverage) ratio8.0627%6,086
Tier 1 risk-based capital ratio12.1398%5,532
Total risk-based capital ratio13.3979%5,462
Memoranda:
Average total assets$404,970,4001,630
Average earning assets$385,314,4001,567
Average equity$36,721,6001,884
Average total loans$249,947,0001,662
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8828%4,567
Cost of funding earning assets0.2901%5,812
Net interest margin3.5926%3,477
Noninterest income to average assets1.2054%1,001
Noninterest expense to average assets2.4685%4,813
Loan and lease loss provision to assets0.2526%1,412
Net operating income to assets1.2649%1,443
Return on assets (ROA)1.3717%1,217
Pretax return on assets2.0673%505
Return on Equity (ROE)15.2838%752
Retained earnings to average equity (ytd only)1.7343%5,273
Net charge-offs to loans0.2266%2,456
Credit loss provision to net charge-offs182.0093%1,331
Earnings coverage of net charge-offs (x)15.5491%1,854
Efficiency ratio52.8633%6,193
Assets per employee ($millions)4.8658%2,349
Cash dividends to net income (ytd only)*88.6526%593
Condition Ratios (%)
Loss allowance to loans2.1159%1,471
Loan loss allowance to noncurrent loans535.9918%836
Noncurrent assets plus other real estate owned to assets0.2841%5,588
Noncurrent loans to loans0.3948%5,209
Net loans and leases to total assets59.3321%3,801
Net loans and leases to deposits66.4012%4,255
Net loans and leases to core deposits69.4599%4,375
Total domestic deposits to total assets89.3539%1,384
Equity capital to assets8.9009%5,301
Core capital (leverage) ratio7.9428%6,261
Tier 1 risk-based capital ratio11.9846%5,786
Total risk-based capital ratio13.2430%5,722
Memoranda:
Average total assets$411,144,7501,616
Average earning assets$391,530,5001,553
Average equity$36,901,0001,887
Average total loans$251,808,0001,652
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9274%4,368
Cost of funding earning assets0.3117%5,744
Net interest margin3.6157%3,300
Noninterest income to average assets1.1827%1,087
Noninterest expense to average assets2.4314%4,960
Loan and lease loss provision to assets0.2986%1,213
Net operating income to assets1.2597%1,434
Return on assets (ROA)1.4055%1,155
Pretax return on assets2.1148%487
Return on Equity (ROE)15.6171%713
Retained earnings to average equity (ytd only)2.1308%4,917
Net charge-offs to loans0.2425%2,267
Credit loss provision to net charge-offs200.3257%1,182
Earnings coverage of net charge-offs (x)14.7101%1,802
Efficiency ratio52.1000%6,273
Assets per employee ($millions)4.7981%2,379
Cash dividends to net income (ytd only)*86.3558%760
Condition Ratios (%)
Loss allowance to loans2.0739%1,694
Loan loss allowance to noncurrent loans544.9686%799
Noncurrent assets plus other real estate owned to assets0.3972%5,289
Noncurrent loans to loans0.3805%5,326
Net loans and leases to total assets59.4938%3,749
Net loans and leases to deposits66.4329%4,213
Net loans and leases to core deposits70.1505%4,263
Total domestic deposits to total assets89.5546%1,290
Equity capital to assets8.8359%5,405
Core capital (leverage) ratio7.8655%6,267
Tier 1 risk-based capital ratio11.6725%6,011
Total risk-based capital ratio12.9305%5,958
Memoranda:
Average total assets$411,952,0001,613
Average earning assets$392,069,3301,551
Average equity$37,074,6701,887
Average total loans$253,162,0001,643
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9919%4,154
Cost of funding earning assets0.3304%5,720
Net interest margin3.6615%3,028
Noninterest income to average assets1.1778%1,083
Noninterest expense to average assets2.3624%5,225
Loan and lease loss provision to assets0.3712%859
Net operating income to assets1.2857%1,322
Return on assets (ROA)1.2857%1,422
Pretax return on assets1.9222%702
Return on Equity (ROE)14.1565%935
Retained earnings to average equity (ytd only)0.7811%5,524
Net charge-offs to loans0.1965%2,237
Credit loss provision to net charge-offs305.6000%783
Earnings coverage of net charge-offs (x)18.8800%1,244
Efficiency ratio50.2609%6,486
Assets per employee ($millions)4.9733%2,248
Cash dividends to net income (ytd only)*94.4822%708
Condition Ratios (%)
Loss allowance to loans2.0165%2,000
Loan loss allowance to noncurrent loans373.3140%1,092
Noncurrent assets plus other real estate owned to assets0.4528%5,244
Noncurrent loans to loans0.5401%5,098
Net loans and leases to total assets59.1752%3,576
Net loans and leases to deposits66.3678%4,007
Net loans and leases to core deposits70.0700%4,074
Total domestic deposits to total assets89.1626%1,592
Equity capital to assets8.8295%5,689
Core capital (leverage) ratio7.6261%6,403
Tier 1 risk-based capital ratio11.1743%6,330
Total risk-based capital ratio12.4311%6,305
Memoranda:
Average total assets$411,611,5001,631
Average earning assets$390,990,5001,568
Average equity$37,382,0001,897
Average total loans$254,398,0001,642
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1579%4,744
Cost of funding earning assets0.3820%6,041
Net interest margin3.7758%3,336
Noninterest income to average assets1.2677%970
Noninterest expense to average assets2.4422%5,279
Loan and lease loss provision to assets0.3776%1,733
Net operating income to assets1.3726%1,147
Return on assets (ROA)1.3775%1,257
Pretax return on assets2.0545%542
Return on Equity (ROE)14.9912%810
Retained earnings to average equity (ytd only)0.2183%5,738
Net charge-offs to loans0.2891%3,212
Credit loss provision to net charge-offs218.3876%1,155
Earnings coverage of net charge-offs (x)14.0226%1,773
Efficiency ratio49.7110%6,609
Assets per employee ($millions)4.6034%2,780
Cash dividends to net income (ytd only)*98.5440%509
Condition Ratios (%)
Loss allowance to loans1.9294%2,200
Loan loss allowance to noncurrent loans427.1616%940
Noncurrent assets plus other real estate owned to assets0.4395%5,388
Noncurrent loans to loans0.4517%5,376
Net loans and leases to total assets62.0749%3,236
Net loans and leases to deposits71.6643%3,466
Net loans and leases to core deposits76.1590%3,513
Total domestic deposits to total assets86.6190%3,034
Equity capital to assets9.3483%5,083
Core capital (leverage) ratio7.9314%6,258
Tier 1 risk-based capital ratio11.3534%6,188
Total risk-based capital ratio12.6096%6,158
Memoranda:
Average total assets$408,860,4001,599
Average earning assets$389,742,2001,544
Average equity$37,568,8001,849
Average total loans$244,584,4001,687
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1729%4,909
Cost of funding earning assets0.3953%6,146
Net interest margin3.7777%3,431
Noninterest income to average assets1.1939%1,062
Noninterest expense to average assets2.4486%5,243
Loan and lease loss provision to assets0.3410%1,920
Net operating income to assets1.3567%1,315
Return on assets (ROA)1.3636%1,433
Pretax return on assets2.0271%669
Return on Equity (ROE)14.9034%924
Retained earnings to average equity (ytd only)4.9749%3,380
Net charge-offs to loans0.2267%3,363
Credit loss provision to net charge-offs255.0971%1,077
Earnings coverage of net charge-offs (x)17.6383%1,610
Efficiency ratio50.4725%6,551
Assets per employee ($millions)4.6933%2,609
Cash dividends to net income (ytd only)*66.6191%1,032
Condition Ratios (%)
Loss allowance to loans1.8877%2,519
Loan loss allowance to noncurrent loans311.4134%1,196
Noncurrent assets plus other real estate owned to assets0.4384%5,572
Noncurrent loans to loans0.6062%5,226
Net loans and leases to total assets59.7356%3,829
Net loans and leases to deposits67.5352%4,252
Net loans and leases to core deposits71.9193%4,263
Total domestic deposits to total assets88.4511%1,753
Equity capital to assets9.5223%5,176
Core capital (leverage) ratio8.2917%6,024
Tier 1 risk-based capital ratio12.2958%5,766
Total risk-based capital ratio13.5519%5,735
Memoranda:
Average total assets$410,952,5001,607
Average earning assets$392,967,0001,546
Average equity$37,601,2501,868
Average total loans$242,356,5001,713
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1856%5,002
Cost of funding earning assets0.4069%6,228
Net interest margin3.7787%3,460
Noninterest income to average assets1.1854%1,012
Noninterest expense to average assets2.4258%5,366
Loan and lease loss provision to assets0.3181%2,079
Net operating income to assets1.3693%1,257
Return on assets (ROA)1.3797%1,387
Pretax return on assets2.0693%609
Return on Equity (ROE)15.2846%892
Retained earnings to average equity (ytd only)0.2206%5,969
Net charge-offs to loans0.2389%3,140
Credit loss provision to net charge-offs228.2230%1,250
Earnings coverage of net charge-offs (x)17.0174%1,554
Efficiency ratio50.0860%6,644
Assets per employee ($millions)4.6575%2,628
Cash dividends to net income (ytd only)*98.5568%447
Condition Ratios (%)
Loss allowance to loans1.7768%2,937
Loan loss allowance to noncurrent loans286.2136%1,246
Noncurrent assets plus other real estate owned to assets0.4444%5,664
Noncurrent loans to loans0.6208%5,269
Net loans and leases to total assets58.9731%3,995
Net loans and leases to deposits67.5166%4,283
Net loans and leases to core deposits71.9215%4,304
Total domestic deposits to total assets87.3460%2,568
Equity capital to assets8.9815%5,718
Core capital (leverage) ratio7.7140%6,506
Tier 1 risk-based capital ratio11.3810%6,291
Total risk-based capital ratio12.6354%6,261
Memoranda:
Average total assets$411,831,3301,610
Average earning assets$393,685,0001,543
Average equity$37,174,6701,874
Average total loans$240,274,3301,720
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1507%5,276
Cost of funding earning assets0.4186%6,320
Net interest margin3.7321%3,684
Noninterest income to average assets1.2288%944
Noninterest expense to average assets2.4615%5,283
Loan and lease loss provision to assets0.3060%2,058
Net operating income to assets1.3483%1,328
Return on assets (ROA)1.3496%1,478
Pretax return on assets2.0249%705
Return on Equity (ROE)14.9137%985
Retained earnings to average equity (ytd only)1.9921%5,273
Net charge-offs to loans0.0898%3,619
Credit loss provision to net charge-offs592.4528%576
Earnings coverage of net charge-offs (x)45.0943%684
Efficiency ratio50.9154%6,616
Assets per employee ($millions)4.5162%2,962
Cash dividends to net income (ytd only)*86.6426%708
Condition Ratios (%)
Loss allowance to loans1.7948%3,012
Loan loss allowance to noncurrent loans195.1606%1,689
Noncurrent assets plus other real estate owned to assets0.5740%5,456
Noncurrent loans to loans0.9197%4,828
Net loans and leases to total assets56.2128%4,349
Net loans and leases to deposits64.0015%4,638
Net loans and leases to core deposits68.2932%4,650
Total domestic deposits to total assets87.8305%2,431
Equity capital to assets8.8646%5,677
Core capital (leverage) ratio7.7931%6,417
Tier 1 risk-based capital ratio11.2736%6,405
Total risk-based capital ratio12.5272%6,382
Memoranda:
Average total assets$410,488,0001,618
Average earning assets$391,736,5001,554
Average equity$37,147,0001,876
Average total loans$235,973,5001,752
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5060%5,053
Cost of funding earning assets0.5755%6,206
Net interest margin3.9305%3,204
Noninterest income to average assets1.1726%954
Noninterest expense to average assets2.7771%4,439
Loan and lease loss provision to assets0.3384%2,988
Net operating income to assets1.2084%1,493
Return on assets (ROA)1.2045%1,610
Pretax return on assets1.8126%787
Return on Equity (ROE)13.2864%1,095
Retained earnings to average equity (ytd only)-0.1292%5,874
Net charge-offs to loans0.5416%2,845
Credit loss provision to net charge-offs106.2205%3,203
Earnings coverage of net charge-offs (x)6.7700%2,451
Efficiency ratio56.1439%6,296
Assets per employee ($millions)3.8929%4,095
Cash dividends to net income (ytd only)*100.9723%308
Condition Ratios (%)
Loss allowance to loans1.7509%3,028
Loan loss allowance to noncurrent loans129.9776%2,435
Noncurrent assets plus other real estate owned to assets0.8746%4,879
Noncurrent loans to loans1.3471%4,124
Net loans and leases to total assets56.7326%4,588
Net loans and leases to deposits63.9561%5,014
Net loans and leases to core deposits68.1642%5,007
Total domestic deposits to total assets88.7056%1,717
Equity capital to assets9.2432%5,223
Core capital (leverage) ratio7.7673%6,472
Tier 1 risk-based capital ratio12.7047%5,303
Total risk-based capital ratio13.9596%5,278
Memoranda:
Average total assets$333,009,4001,943
Average earning assets$318,685,0001,847
Average equity$30,188,8002,181
Average total loans$195,911,8002,076
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5166%5,211
Cost of funding earning assets0.6148%6,215
Net interest margin3.9019%3,373
Noninterest income to average assets1.1657%968
Noninterest expense to average assets2.6301%4,972
Loan and lease loss provision to assets0.2578%3,441
Net operating income to assets1.3244%1,315
Return on assets (ROA)1.3244%1,406
Pretax return on assets2.0213%604
Return on Equity (ROE)14.7002%892
Retained earnings to average equity (ytd only)6.2707%2,388
Net charge-offs to loans0.4813%2,811
Credit loss provision to net charge-offs90.5185%3,755
Earnings coverage of net charge-offs (x)8.0029%2,260
Efficiency ratio53.5751%6,537
Assets per employee ($millions)4.3925%3,088
Cash dividends to net income (ytd only)*57.3431%1,309
Condition Ratios (%)
Loss allowance to loans2.0533%2,195
Loan loss allowance to noncurrent loans105.3140%2,834
Noncurrent assets plus other real estate owned to assets1.1463%4,492
Noncurrent loans to loans1.9497%3,428
Net loans and leases to total assets57.5881%4,568
Net loans and leases to deposits67.3174%4,720
Net loans and leases to core deposits72.8294%4,602
Total domestic deposits to total assets85.5471%3,464
Equity capital to assets11.7440%2,455
Core capital (leverage) ratio11.1806%2,252
Tier 1 risk-based capital ratio17.3263%2,514
Total risk-based capital ratio18.5847%2,474
Memoranda:
Average total assets$316,020,0002,034
Average earning assets$303,198,7501,948
Average equity$28,470,5002,304
Average total loans$187,006,5002,177
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5048%5,340
Cost of funding earning assets0.6439%6,253
Net interest margin3.8609%3,485
Noninterest income to average assets1.1616%943
Noninterest expense to average assets2.6529%4,995
Loan and lease loss provision to assets0.2562%3,352
Net operating income to assets1.2734%1,386
Return on assets (ROA)1.2734%1,452
Pretax return on assets1.9533%639
Return on Equity (ROE)15.7947%688
Retained earnings to average equity (ytd only)1.5295%5,215
Net charge-offs to loans0.6529%2,216
Credit loss provision to net charge-offs66.1716%4,167
Earnings coverage of net charge-offs (x)5.7063%2,547
Efficiency ratio54.5598%6,567
Assets per employee ($millions)4.0607%3,625
Cash dividends to net income (ytd only)*90.3161%594
Condition Ratios (%)
Loss allowance to loans2.0449%2,245
Loan loss allowance to noncurrent loans84.8016%3,338
Noncurrent assets plus other real estate owned to assets1.4427%4,050
Noncurrent loans to loans2.4114%2,978
Net loans and leases to total assets57.9562%4,637
Net loans and leases to deposits65.0389%5,145
Net loans and leases to core deposits70.4622%5,015
Total domestic deposits to total assets89.1101%1,475
Equity capital to assets8.2418%6,478
Core capital (leverage) ratio7.6072%6,662
Tier 1 risk-based capital ratio11.7564%5,967
Total risk-based capital ratio13.0145%5,959
Memoranda:
Average total assets$313,012,3302,053
Average earning assets$300,033,0001,973
Average equity$25,236,3302,534
Average total loans$185,638,6702,215
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4789%5,404
Cost of funding earning assets0.6671%6,308
Net interest margin3.8118%3,557
Noninterest income to average assets1.1508%981
Noninterest expense to average assets2.6413%5,079
Loan and lease loss provision to assets0.2503%3,154
Net operating income to assets1.2363%1,437
Return on assets (ROA)1.2363%1,490
Pretax return on assets1.9082%668
Return on Equity (ROE)15.5069%738
Retained earnings to average equity (ytd only)1.0893%5,390
Net charge-offs to loans0.1807%3,407
Credit loss provision to net charge-offs233.3333%1,316
Earnings coverage of net charge-offs (x)20.1190%1,115
Efficiency ratio55.0293%6,602
Assets per employee ($millions)4.3030%3,240
Cash dividends to net income (ytd only)*92.9752%666
Condition Ratios (%)
Loss allowance to loans2.2410%1,877
Loan loss allowance to noncurrent loans80.8679%3,492
Noncurrent assets plus other real estate owned to assets1.6984%3,706
Noncurrent loans to loans2.7712%2,730
Net loans and leases to total assets57.7290%4,685
Net loans and leases to deposits64.5166%5,185
Net loans and leases to core deposits69.8565%5,059
Total domestic deposits to total assets89.4792%1,493
Equity capital to assets8.0664%6,429
Core capital (leverage) ratio7.3834%6,804
Tier 1 risk-based capital ratio11.9655%5,728
Total risk-based capital ratio13.2264%5,704
Memoranda:
Average total assets$313,181,5002,080
Average earning assets$299,804,0001,988
Average equity$24,969,5002,548
Average total loans$185,959,5002,237
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7957%5,423
Cost of funding earning assets0.8499%6,369
Net interest margin3.9459%3,276
Noninterest income to average assets1.2993%870
Noninterest expense to average assets2.6719%5,116
Loan and lease loss provision to assets0.3042%4,370
Net operating income to assets1.3329%1,100
Return on assets (ROA)1.3335%1,170
Pretax return on assets2.0890%396
Return on Equity (ROE)17.0162%478
Retained earnings to average equity (ytd only)7.2086%1,234
Net charge-offs to loans0.2572%4,747
Credit loss provision to net charge-offs192.3077%1,664
Earnings coverage of net charge-offs (x)15.1215%1,298
Efficiency ratio52.7604%6,923
Assets per employee ($millions)4.2777%3,251
Cash dividends to net income (ytd only)*57.6369%1,729
Condition Ratios (%)
Loss allowance to loans2.1104%2,049
Loan loss allowance to noncurrent loans75.8319%3,696
Noncurrent assets plus other real estate owned to assets1.7561%3,673
Noncurrent loans to loans2.7830%2,739
Net loans and leases to total assets58.4360%4,962
Net loans and leases to deposits66.8404%5,285
Net loans and leases to core deposits72.9363%5,106
Total domestic deposits to total assets87.4262%2,598
Equity capital to assets7.8813%6,609
Core capital (leverage) ratio7.3854%6,798
Tier 1 risk-based capital ratio11.6811%5,742
Total risk-based capital ratio12.9404%5,743
Memoranda:
Average total assets$312,254,0002,078
Average earning assets$297,932,2001,995
Average equity$24,470,8002,611
Average total loans$192,067,6002,233
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8769%5,377
Cost of funding earning assets0.8915%6,428
Net interest margin3.9854%3,169
Noninterest income to average assets1.2293%915
Noninterest expense to average assets2.7443%4,703
Loan and lease loss provision to assets0.2691%4,431
Net operating income to assets1.2884%1,358
Return on assets (ROA)1.2893%1,442
Pretax return on assets2.0172%600
Return on Equity (ROE)16.4750%653
Retained earnings to average equity (ytd only)6.6196%2,032
Net charge-offs to loans0.2766%4,285
Credit loss provision to net charge-offs157.0000%2,436
Earnings coverage of net charge-offs (x)13.3325%1,589
Efficiency ratio54.5664%6,735
Assets per employee ($millions)4.2540%3,347
Cash dividends to net income (ytd only)*59.8205%1,252
Condition Ratios (%)
Loss allowance to loans1.9661%2,305
Loan loss allowance to noncurrent loans81.5265%3,326
Noncurrent assets plus other real estate owned to assets1.7049%3,892
Noncurrent loans to loans2.4116%3,224
Net loans and leases to total assets59.5585%4,987
Net loans and leases to deposits66.7393%5,576
Net loans and leases to core deposits73.4516%5,360
Total domestic deposits to total assets89.2405%1,256
Equity capital to assets7.9716%6,819
Core capital (leverage) ratio7.3718%6,963
Tier 1 risk-based capital ratio11.2296%6,162
Total risk-based capital ratio12.4873%6,154
Memoranda:
Average total assets$311,180,5002,120
Average earning assets$296,709,2502,028
Average equity$24,351,5002,667
Average total loans$192,843,0002,262
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9170%5,315
Cost of funding earning assets0.9303%6,464
Net interest margin3.9867%3,081
Noninterest income to average assets1.1369%1,010
Noninterest expense to average assets2.7009%4,903
Loan and lease loss provision to assets0.2581%4,355
Net operating income to assets1.2692%1,383
Return on assets (ROA)1.2704%1,445
Pretax return on assets1.9789%628
Return on Equity (ROE)16.3375%658
Retained earnings to average equity (ytd only)6.3807%2,130
Net charge-offs to loans0.2389%4,169
Credit loss provision to net charge-offs173.1602%2,255
Earnings coverage of net charge-offs (x)14.9957%1,484
Efficiency ratio54.7190%6,794
Assets per employee ($millions)3.9106%3,945
Cash dividends to net income (ytd only)*60.9446%1,288
Condition Ratios (%)
Loss allowance to loans1.9167%2,376
Loan loss allowance to noncurrent loans120.3969%2,322
Noncurrent assets plus other real estate owned to assets1.3216%4,509
Noncurrent loans to loans1.5920%4,319
Net loans and leases to total assets61.3049%4,818
Net loans and leases to deposits68.5909%5,477
Net loans and leases to core deposits75.8811%5,208
Total domestic deposits to total assets89.3775%1,237
Equity capital to assets7.9951%6,755
Core capital (leverage) ratio7.2200%7,056
Tier 1 risk-based capital ratio10.9728%6,266
Total risk-based capital ratio12.2297%6,248
Memoranda:
Average total assets$309,976,3302,148
Average earning assets$295,381,3302,055
Average equity$24,104,0002,685
Average total loans$193,375,3302,283
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8997%5,461
Cost of funding earning assets0.9626%6,533
Net interest margin3.9371%3,161
Noninterest income to average assets1.1259%987
Noninterest expense to average assets2.7079%4,871
Loan and lease loss provision to assets0.2873%3,729
Net operating income to assets1.2007%1,538
Return on assets (ROA)1.2007%1,614
Pretax return on assets1.8718%771
Return on Equity (ROE)15.6599%773
Retained earnings to average equity (ytd only)5.5784%2,824
Net charge-offs to loans0.3989%2,850
Credit loss provision to net charge-offs115.5440%3,012
Earnings coverage of net charge-offs (x)8.6839%1,932
Efficiency ratio55.6379%6,818
Assets per employee ($millions)4.1943%3,473
Cash dividends to net income (ytd only)*64.3777%1,147
Condition Ratios (%)
Loss allowance to loans1.8420%2,603
Loan loss allowance to noncurrent loans102.8885%2,693
Noncurrent assets plus other real estate owned to assets1.4909%4,273
Noncurrent loans to loans1.7903%4,061
Net loans and leases to total assets60.3421%5,066
Net loans and leases to deposits67.3037%5,677
Net loans and leases to core deposits75.0833%5,377
Total domestic deposits to total assets89.6564%1,157
Equity capital to assets7.6196%6,982
Core capital (leverage) ratio7.2181%7,093
Tier 1 risk-based capital ratio10.7247%6,414
Total risk-based capital ratio11.9810%6,393
Memoranda:
Average total assets$310,495,5002,194
Average earning assets$295,038,5002,115
Average equity$23,806,0002,740
Average total loans$193,515,5002,336
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4728%4,308
Cost of funding earning assets1.2653%6,423
Net interest margin4.2075%2,040
Noninterest income to average assets1.4068%740
Noninterest expense to average assets2.7722%5,080
Loan and lease loss provision to assets0.4509%4,124
Net operating income to assets1.4005%852
Return on assets (ROA)1.4005%911
Pretax return on assets2.1894%282
Return on Equity (ROE)17.3242%424
Retained earnings to average equity (ytd only)1.8562%3,800
Net charge-offs to loans0.5160%3,712
Credit loss provision to net charge-offs129.2829%3,975
Earnings coverage of net charge-offs (x)7.5707%2,124
Efficiency ratio51.2194%7,451
Assets per employee ($millions)4.0319%3,754
Cash dividends to net income (ytd only)*89.2857%877
Condition Ratios (%)
Loss allowance to loans1.8239%2,470
Loan loss allowance to noncurrent loans68.9574%3,960
Noncurrent assets plus other real estate owned to assets1.8941%3,539
Noncurrent loans to loans2.6450%2,905
Net loans and leases to total assets62.0450%4,982
Net loans and leases to deposits69.3602%5,686
Net loans and leases to core deposits83.5053%5,766
Total domestic deposits to total assets89.4534%1,240
Equity capital to assets7.7159%6,843
Core capital (leverage) ratio7.3479%6,943
Tier 1 risk-based capital ratio10.7425%6,161
Total risk-based capital ratio11.9988%6,132
Memoranda:
Average total assets$287,893,0002,291
Average earning assets$274,083,0002,212
Average equity$23,273,8002,799
Average total loans$194,588,8002,345
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5626%4,083
Cost of funding earning assets1.3217%6,485
Net interest margin4.2409%1,901
Noninterest income to average assets1.4432%711
Noninterest expense to average assets2.8868%4,515
Loan and lease loss provision to assets0.3257%4,378
Net operating income to assets1.4568%904
Return on assets (ROA)1.4568%962
Pretax return on assets2.2768%299
Return on Equity (ROE)17.8011%476
Retained earnings to average equity (ytd only)0.5464%4,982
Net charge-offs to loans0.4551%3,411
Credit loss provision to net charge-offs104.0602%4,885
Earnings coverage of net charge-offs (x)8.3143%2,270
Efficiency ratio52.5896%7,362
Assets per employee ($millions)3.7467%4,319
Cash dividends to net income (ytd only)*96.9306%620
Condition Ratios (%)
Loss allowance to loans1.6631%2,756
Loan loss allowance to noncurrent loans61.7552%4,259
Noncurrent assets plus other real estate owned to assets1.9539%3,409
Noncurrent loans to loans2.6931%2,814
Net loans and leases to total assets66.9172%4,205
Net loans and leases to deposits76.0441%5,035
Net loans and leases to core deposits92.1609%5,216
Total domestic deposits to total assets87.9978%1,654
Equity capital to assets8.1377%6,706
Core capital (leverage) ratio7.5354%6,932
Tier 1 risk-based capital ratio10.6764%6,270
Total risk-based capital ratio11.9312%6,245
Memoranda:
Average total assets$283,261,0002,337
Average earning assets$270,248,7502,257
Average equity$23,181,5002,835
Average total loans$194,823,2502,374
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6091%4,025
Cost of funding earning assets1.3554%6,630
Net interest margin4.2536%1,806
Noninterest income to average assets1.4948%662
Noninterest expense to average assets2.8602%4,685
Loan and lease loss provision to assets0.2707%4,417
Net operating income to assets1.5424%764
Return on assets (ROA)1.5424%820
Pretax return on assets2.4127%245
Return on Equity (ROE)18.8104%417
Retained earnings to average equity (ytd only)0.6152%4,942
Net charge-offs to loans0.2069%4,220
Credit loss provision to net charge-offs189.5522%2,410
Earnings coverage of net charge-offs (x)18.7910%1,393
Efficiency ratio51.5955%7,549
Assets per employee ($millions)3.4730%4,886
Cash dividends to net income (ytd only)*96.7296%763
Condition Ratios (%)
Loss allowance to loans1.7893%2,078
Loan loss allowance to noncurrent loans59.3609%4,495
Noncurrent assets plus other real estate owned to assets2.2406%2,902
Noncurrent loans to loans3.0142%2,391
Net loans and leases to total assets66.6908%4,422
Net loans and leases to deposits76.0442%5,169
Net loans and leases to core deposits91.7116%5,375
Total domestic deposits to total assets87.7000%1,929
Equity capital to assets8.2638%6,392
Core capital (leverage) ratio7.6100%6,884
Tier 1 risk-based capital ratio10.9274%5,958
Total risk-based capital ratio12.1835%5,892
Memoranda:
Average total assets$281,515,6702,369
Average earning assets$267,958,6702,288
Average equity$23,083,0002,852
Average total loans$194,324,6702,409
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6687%3,949
Cost of funding earning assets1.3765%6,795
Net interest margin4.2922%1,626
Noninterest income to average assets1.4445%674
Noninterest expense to average assets2.6859%5,073
Loan and lease loss provision to assets0.2159%4,289
Net operating income to assets1.6760%681
Return on assets (ROA)1.6760%749
Pretax return on assets2.6262%203
Return on Equity (ROE)20.5208%390
Retained earnings to average equity (ytd only)2.2608%4,619
Net charge-offs to loans0.1470%3,792
Credit loss provision to net charge-offs211.1111%2,127
Earnings coverage of net charge-offs (x)27.7917%1,122
Efficiency ratio48.5868%7,695
Assets per employee ($millions)3.5081%4,802
Cash dividends to net income (ytd only)*88.9831%898
Condition Ratios (%)
Loss allowance to loans1.6809%2,206
Loan loss allowance to noncurrent loans77.1628%3,791
Noncurrent assets plus other real estate owned to assets1.6219%3,486
Noncurrent loans to loans2.1784%3,011
Net loans and leases to total assets70.0276%3,663
Net loans and leases to deposits79.1124%4,759
Net loans and leases to core deposits92.8592%5,271
Total domestic deposits to total assets88.5166%1,479
Equity capital to assets8.3309%6,343
Core capital (leverage) ratio7.5923%7,039
Tier 1 risk-based capital ratio10.8355%6,059
Total risk-based capital ratio12.0910%5,955
Memoranda:
Average total assets$281,618,5002,381
Average earning assets$267,926,5002,308
Average equity$23,001,0002,878
Average total loans$195,974,0002,411
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1550%4,752
Cost of funding earning assets2.0051%6,400
Net interest margin4.1499%2,502
Noninterest income to average assets1.2229%992
Noninterest expense to average assets2.5988%5,656
Loan and lease loss provision to assets0.3014%3,961
Net operating income to assets1.4472%1,133
Return on assets (ROA)1.4472%1,082
Pretax return on assets2.2562%350
Return on Equity (ROE)18.5852%484
Retained earnings to average equity (ytd only)0.9689%4,654
Net charge-offs to loans0.3662%3,001
Credit loss provision to net charge-offs126.4748%4,225
Earnings coverage of net charge-offs (x)10.7309%2,466
Efficiency ratio50.3990%7,632
Assets per employee ($millions)3.5321%4,587
Cash dividends to net income (ytd only)*94.7867%1,140
Condition Ratios (%)
Loss allowance to loans1.6643%2,017
Loan loss allowance to noncurrent loans107.2896%3,238
Noncurrent assets plus other real estate owned to assets1.0986%4,086
Noncurrent loans to loans1.5512%3,467
Net loans and leases to total assets66.8716%4,666
Net loans and leases to deposits75.3851%5,674
Net loans and leases to core deposits87.1803%6,046
Total domestic deposits to total assets88.7067%1,152
Equity capital to assets8.0091%6,833
Core capital (leverage) ratio7.5826%7,096
Tier 1 risk-based capital ratio10.8618%5,847
Total risk-based capital ratio12.1171%5,757
Memoranda:
Average total assets$291,596,4002,244
Average earning assets$276,391,4002,192
Average equity$22,706,2002,881
Average total loans$189,766,8002,395