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Citizens Alliance Bank, Performance and Condition Ratios

2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5886%1,534
Cost of funding earning assets0.2051%2,724
Net interest margin3.3835%1,338
Noninterest income to average assets0.6218%1,598
Noninterest expense to average assets2.2198%2,779
Loan and lease loss provision to assets0.0726%1,139
Net operating income to assets1.1270%1,449
Return on assets (ROA)1.1250%1,449
Pretax return on assets1.4754%1,063
Return on Equity (ROE)12.4043%1,193
Retained earnings to average equity (ytd only)11.5043%681
Net charge-offs to loans0.0049%1,583
Credit loss provision to net charge-offs2,500.0000%172
Earnings coverage of net charge-offs (x)534.2500%193
Efficiency ratio58.3566%3,642
Assets per employee ($millions)5.5241%3,300
Cash dividends to net income (ytd only)*7.2557%2,185
Condition Ratios (%)
Loss allowance to loans1.2944%2,390
Loan loss allowance to noncurrent loans230.1965%2,432
Noncurrent assets plus other real estate owned to assets0.5511%1,092
Noncurrent loans to loans0.5623%1,633
Net loans and leases to total assets55.1945%2,611
Net loans and leases to deposits62.7278%2,652
Net loans and leases to core deposits65.2648%2,691
Total domestic deposits to total assets87.9906%2,529
Equity capital to assets8.3869%3,252
Core capital (leverage) ratio8.3181%4,054
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3586%2,815
Memoranda:
Average total assets$1,102,624,500908
Average earning assets$1,026,040,500905
Average equity$99,997,500988
Average total loans$654,757,500937
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1203%1,125
Cost of funding earning assets0.2455%2,986
Net interest margin3.8748%878
Noninterest income to average assets0.5933%2,188
Noninterest expense to average assets2.3789%2,555
Loan and lease loss provision to assets0.0914%1,365
Net operating income to assets1.2846%1,648
Return on assets (ROA)1.2891%1,682
Pretax return on assets1.7193%1,097
Return on Equity (ROE)12.7529%1,543
Retained earnings to average equity (ytd only)12.5268%465
Net charge-offs to loans0.0835%969
Credit loss provision to net charge-offs169.4915%1,411
Earnings coverage of net charge-offs (x)33.4576%1,539
Efficiency ratio56.3148%3,666
Assets per employee ($millions)5.2031%3,554
Cash dividends to net income (ytd only)*1.7733%3,567
Condition Ratios (%)
Loss allowance to loans1.2181%2,798
Loan loss allowance to noncurrent loans162.2080%2,871
Noncurrent assets plus other real estate owned to assets0.7317%849
Noncurrent loans to loans0.7510%1,357
Net loans and leases to total assets62.3801%1,896
Net loans and leases to deposits72.6632%1,847
Net loans and leases to core deposits75.9490%1,925
Total domestic deposits to total assets85.8483%2,958
Equity capital to assets9.8112%2,842
Core capital (leverage) ratio8.9806%3,423
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0464%2,878
Memoranda:
Average total assets$984,263,800970
Average earning assets$912,075,200974
Average equity$99,490,8001,013
Average total loans$636,194,600953
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1909%1,125
Cost of funding earning assets0.2509%3,119
Net interest margin3.9400%873
Noninterest income to average assets0.6088%2,181
Noninterest expense to average assets2.3568%2,580
Loan and lease loss provision to assets0.0759%1,532
Net operating income to assets1.3759%1,611
Return on assets (ROA)1.3804%1,660
Pretax return on assets1.8331%1,085
Return on Equity (ROE)13.5474%1,537
Retained earnings to average equity (ytd only)13.2427%603
Net charge-offs to loans0.1135%674
Credit loss provision to net charge-offs102.8037%1,558
Earnings coverage of net charge-offs (x)25.7832%1,610
Efficiency ratio54.7742%3,695
Assets per employee ($millions)4.9233%3,772
Cash dividends to net income (ytd only)*2.2491%3,199
Condition Ratios (%)
Loss allowance to loans1.2281%2,847
Loan loss allowance to noncurrent loans136.3094%3,039
Noncurrent assets plus other real estate owned to assets0.8342%840
Noncurrent loans to loans0.9010%1,279
Net loans and leases to total assets61.9226%2,015
Net loans and leases to deposits73.3445%1,924
Net loans and leases to core deposits76.8132%1,975
Total domestic deposits to total assets84.4272%3,328
Equity capital to assets10.1896%2,725
Core capital (leverage) ratio8.9553%3,602
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3549%2,890
Memoranda:
Average total assets$966,273,250995
Average earning assets$895,479,250998
Average equity$98,456,5001,041
Average total loans$628,493,250982
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1470%1,267
Cost of funding earning assets0.2577%3,212
Net interest margin3.8893%990
Noninterest income to average assets0.6858%1,863
Noninterest expense to average assets2.3300%2,674
Loan and lease loss provision to assets0.0473%2,077
Net operating income to assets1.4351%1,464
Return on assets (ROA)1.4411%1,511
Pretax return on assets1.9182%980
Return on Equity (ROE)14.1430%1,370
Retained earnings to average equity (ytd only)13.6791%604
Net charge-offs to loans-0.0702%4,506
Credit loss provision to net charge-offs-102.2727%3,066
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.7851%3,831
Assets per employee ($millions)5.0970%3,566
Cash dividends to net income (ytd only)*3.2804%3,037
Condition Ratios (%)
Loss allowance to loans1.2885%2,495
Loan loss allowance to noncurrent loans121.0837%3,135
Noncurrent assets plus other real estate owned to assets0.9952%757
Noncurrent loans to loans1.0641%1,144
Net loans and leases to total assets64.8777%1,843
Net loans and leases to deposits76.4414%1,775
Net loans and leases to core deposits80.1929%1,871
Total domestic deposits to total assets84.8724%3,153
Equity capital to assets10.2858%2,591
Core capital (leverage) ratio8.8369%3,666
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2750%2,904
Memoranda:
Average total assets$951,938,6671,001
Average earning assets$881,649,0001,008
Average equity$96,995,0001,047
Average total loans$627,077,000982
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1008%1,381
Cost of funding earning assets0.2643%3,338
Net interest margin3.8365%1,078
Noninterest income to average assets0.7884%1,613
Noninterest expense to average assets2.3448%2,659
Loan and lease loss provision to assets-0.1060%4,726
Net operating income to assets1.5732%1,174
Return on assets (ROA)1.5853%1,205
Pretax return on assets2.1147%791
Return on Equity (ROE)15.6342%1,086
Retained earnings to average equity (ytd only)14.6937%662
Net charge-offs to loans-0.0071%3,525
Credit loss provision to net charge-offs2,272.7273%224
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.4929%3,847
Assets per employee ($millions)5.3847%3,241
Cash dividends to net income (ytd only)*6.0160%2,318
Condition Ratios (%)
Loss allowance to loans1.2224%2,802
Loan loss allowance to noncurrent loans97.1691%3,377
Noncurrent assets plus other real estate owned to assets1.1169%700
Noncurrent loans to loans1.2580%1,033
Net loans and leases to total assets63.7294%2,082
Net loans and leases to deposits75.1049%2,007
Net loans and leases to core deposits79.8470%2,017
Total domestic deposits to total assets84.8538%3,166
Equity capital to assets10.1216%2,588
Core capital (leverage) ratio8.7815%3,832
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1345%2,903
Memoranda:
Average total assets$943,696,000997
Average earning assets$873,202,0001,001
Average equity$95,687,5001,045
Average total loans$622,369,500985
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4799%1,365
Cost of funding earning assets0.4933%2,988
Net interest margin3.9867%997
Noninterest income to average assets0.6881%1,901
Noninterest expense to average assets2.2152%3,636
Loan and lease loss provision to assets0.1525%2,466
Net operating income to assets1.5017%804
Return on assets (ROA)1.5000%888
Pretax return on assets2.0022%451
Return on Equity (ROE)15.8222%521
Retained earnings to average equity (ytd only)15.5580%136
Net charge-offs to loans0.2183%797
Credit loss provision to net charge-offs100.8094%2,806
Earnings coverage of net charge-offs (x)14.2546%2,224
Efficiency ratio50.3158%4,510
Assets per employee ($millions)5.4637%2,879
Cash dividends to net income (ytd only)*1.6700%3,713
Condition Ratios (%)
Loss allowance to loans1.2315%2,788
Loan loss allowance to noncurrent loans115.9516%3,132
Noncurrent assets plus other real estate owned to assets1.0166%929
Noncurrent loans to loans1.0621%1,338
Net loans and leases to total assets66.5810%2,009
Net loans and leases to deposits79.6773%1,903
Net loans and leases to core deposits86.2650%1,846
Total domestic deposits to total assets83.5634%3,243
Equity capital to assets10.1581%2,975
Core capital (leverage) ratio8.8241%3,871
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6287%3,002
Memoranda:
Average total assets$898,173,600969
Average earning assets$829,964,800972
Average equity$85,152,4001,094
Average total loans$622,552,800947
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4812%1,624
Cost of funding earning assets0.5533%2,909
Net interest margin3.9279%1,284
Noninterest income to average assets0.5109%2,562
Noninterest expense to average assets2.1016%3,941
Loan and lease loss provision to assets0.2730%1,477
Net operating income to assets1.2790%1,400
Return on assets (ROA)1.2758%1,516
Pretax return on assets1.7644%842
Return on Equity (ROE)13.7144%935
Retained earnings to average equity (ytd only)13.3517%300
Net charge-offs to loans0.3772%422
Credit loss provision to net charge-offs103.6446%2,596
Earnings coverage of net charge-offs (x)7.7523%2,550
Efficiency ratio50.3294%4,467
Assets per employee ($millions)5.6010%2,623
Cash dividends to net income (ytd only)*2.6446%3,303
Condition Ratios (%)
Loss allowance to loans1.2073%2,624
Loan loss allowance to noncurrent loans117.0063%3,065
Noncurrent assets plus other real estate owned to assets1.0261%1,068
Noncurrent loans to loans1.0318%1,453
Net loans and leases to total assets69.1436%2,088
Net loans and leases to deposits88.6212%1,416
Net loans and leases to core deposits101.7156%1,045
Total domestic deposits to total assets78.0215%4,199
Equity capital to assets9.7246%3,495
Core capital (leverage) ratio8.3321%4,439
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.2333%3,068
Memoranda:
Average total assets$889,143,750962
Average earning assets$822,161,750967
Average equity$82,714,0001,115
Average total loans$620,736,500944
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5115%1,882
Cost of funding earning assets0.6430%2,742
Net interest margin3.8685%1,648
Noninterest income to average assets0.3948%3,117
Noninterest expense to average assets2.0653%4,105
Loan and lease loss provision to assets0.4148%962
Net operating income to assets1.0633%2,100
Return on assets (ROA)1.0592%2,242
Pretax return on assets1.4911%1,473
Return on Equity (ROE)11.5700%1,459
Retained earnings to average equity (ytd only)11.5700%517
Net charge-offs to loans0.5745%272
Credit loss provision to net charge-offs103.5267%2,372
Earnings coverage of net charge-offs (x)4.7696%2,573
Efficiency ratio51.9374%4,357
Assets per employee ($millions)5.9213%2,256
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.2044%2,489
Loan loss allowance to noncurrent loans104.3159%3,158
Noncurrent assets plus other real estate owned to assets1.1143%1,024
Noncurrent loans to loans1.1546%1,363
Net loans and leases to total assets69.3264%2,139
Net loans and leases to deposits86.6944%1,697
Net loans and leases to core deposits102.8822%1,072
Total domestic deposits to total assets79.9664%3,844
Equity capital to assets9.2694%3,863
Core capital (leverage) ratio8.3586%4,512
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.1793%3,140
Memoranda:
Average total assets$877,472,333958
Average earning assets$812,412,333957
Average equity$80,328,3331,133
Average total loans$612,047,000946
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6014%1,992
Cost of funding earning assets0.8026%2,381
Net interest margin3.7988%1,977
Noninterest income to average assets0.3460%3,448
Noninterest expense to average assets2.1486%4,119
Loan and lease loss provision to assets0.6648%397
Net operating income to assets0.7838%2,959
Return on assets (ROA)0.7697%3,095
Pretax return on assets1.0272%2,751
Return on Equity (ROE)8.4654%2,327
Retained earnings to average equity (ytd only)8.4654%1,109
Net charge-offs to loans0.9340%160
Credit loss provision to net charge-offs102.3792%1,799
Earnings coverage of net charge-offs (x)2.6330%2,267
Efficiency ratio55.6850%4,238
Assets per employee ($millions)5.6311%1,992
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.3039%2,132
Loan loss allowance to noncurrent loans96.5492%3,285
Noncurrent assets plus other real estate owned to assets1.2153%1,010
Noncurrent loans to loans1.3505%1,194
Net loans and leases to total assets68.3358%2,494
Net loans and leases to deposits80.8562%2,593
Net loans and leases to core deposits94.0718%1,970
Total domestic deposits to total assets84.5152%2,595
Equity capital to assets8.9459%4,631
Core capital (leverage) ratio8.4997%4,795
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio10.8360%3,347
Memoranda:
Average total assets$854,343,500955
Average earning assets$789,938,500953
Average equity$77,680,5001,165
Average total loans$593,972,500948
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7625%2,158
Cost of funding earning assets1.0107%1,680
Net interest margin3.7519%2,656
Noninterest income to average assets0.3804%3,419
Noninterest expense to average assets2.2344%4,093
Loan and lease loss provision to assets0.0829%2,349
Net operating income to assets1.3094%1,650
Return on assets (ROA)1.3179%1,703
Pretax return on assets1.5563%1,633
Return on Equity (ROE)14.9861%691
Retained earnings to average equity (ytd only)14.9861%93
Net charge-offs to loans0.0249%2,905
Credit loss provision to net charge-offs475.3521%612
Earnings coverage of net charge-offs (x)93.4085%715
Efficiency ratio57.8318%3,991
Assets per employee ($millions)5.3615%2,184
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.3096%1,875
Loan loss allowance to noncurrent loans85.8172%3,490
Noncurrent assets plus other real estate owned to assets1.3541%790
Noncurrent loans to loans1.5260%941
Net loans and leases to total assets68.8998%2,552
Net loans and leases to deposits79.1468%2,890
Net loans and leases to core deposits93.3488%2,126
Total domestic deposits to total assets87.0531%1,578
Equity capital to assets9.2414%4,539
Core capital (leverage) ratio8.3246%4,936
Tier 1 risk-based capital ratio9.8538%5,135
Total risk-based capital ratio10.9746%5,124
Memoranda:
Average total assets$814,124,800961
Average earning assets$755,837,600954
Average equity$71,593,0001,201
Average total loans$571,274,200952
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7811%2,174
Cost of funding earning assets1.0563%1,515
Net interest margin3.7247%2,839
Noninterest income to average assets0.3741%3,474
Noninterest expense to average assets2.1993%4,182
Loan and lease loss provision to assets0.1199%1,633
Net operating income to assets1.2717%1,944
Return on assets (ROA)1.2754%2,013
Pretax return on assets1.5211%1,899
Return on Equity (ROE)14.7003%847
Retained earnings to average equity (ytd only)14.7003%169
Net charge-offs to loans0.0447%2,197
Credit loss provision to net charge-offs381.5789%795
Earnings coverage of net charge-offs (x)52.0625%1,157
Efficiency ratio57.3345%4,024
Assets per employee ($millions)5.2827%2,245
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.3381%1,807
Loan loss allowance to noncurrent loans132.5180%2,834
Noncurrent assets plus other real estate owned to assets1.0406%1,283
Noncurrent loans to loans1.0097%1,583
Net loans and leases to total assets68.8719%2,647
Net loans and leases to deposits78.5012%3,051
Net loans and leases to core deposits97.1527%1,889
Total domestic deposits to total assets87.7335%1,155
Equity capital to assets9.0832%4,738
Core capital (leverage) ratio7.9587%5,127
Tier 1 risk-based capital ratio9.7140%5,218
Total risk-based capital ratio10.8723%5,202
Memoranda:
Average total assets$805,875,500971
Average earning assets$748,990,500962
Average equity$69,919,7501,221
Average total loans$566,240,250955
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7482%2,232
Cost of funding earning assets1.0386%1,537
Net interest margin3.7095%2,906
Noninterest income to average assets0.3842%3,372
Noninterest expense to average assets2.1849%4,255
Loan and lease loss provision to assets0.1441%1,286
Net operating income to assets1.3467%1,590
Return on assets (ROA)1.3518%1,632
Pretax return on assets1.5125%1,816
Return on Equity (ROE)15.8380%618
Retained earnings to average equity (ytd only)15.8380%134
Net charge-offs to loans0.0007%3,158
Credit loss provision to net charge-offs28,750.0000%4
Earnings coverage of net charge-offs (x)3,293.5000%9
Efficiency ratio56.9618%4,137
Assets per employee ($millions)5.2684%2,181
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.3588%1,779
Loan loss allowance to noncurrent loans114.0826%3,106
Noncurrent assets plus other real estate owned to assets1.1843%1,130
Noncurrent loans to loans1.1911%1,345
Net loans and leases to total assets69.6545%2,579
Net loans and leases to deposits79.5322%3,003
Net loans and leases to core deposits97.8639%1,896
Total domestic deposits to total assets87.5802%1,298
Equity capital to assets8.9326%4,832
Core capital (leverage) ratio7.9344%5,179
Tier 1 risk-based capital ratio9.5150%5,276
Total risk-based capital ratio10.6894%5,262
Memoranda:
Average total assets$798,038,000979
Average earning assets$742,519,000971
Average equity$68,114,6701,236
Average total loans$561,999,670959
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6522%2,370
Cost of funding earning assets0.9814%1,648
Net interest margin3.6708%3,005
Noninterest income to average assets0.4044%3,154
Noninterest expense to average assets2.1496%4,373
Loan and lease loss provision to assets0.1011%1,737
Net operating income to assets1.6644%791
Return on assets (ROA)1.6760%795
Pretax return on assets1.5795%1,523
Return on Equity (ROE)20.1166%259
Retained earnings to average equity (ytd only)20.1166%104
Net charge-offs to loans0.0029%2,641
Credit loss provision to net charge-offs5,000.0000%77
Earnings coverage of net charge-offs (x)825.5000%80
Efficiency ratio56.2938%4,293
Assets per employee ($millions)5.1473%2,339
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.3119%2,036
Loan loss allowance to noncurrent loans160.0691%2,551
Noncurrent assets plus other real estate owned to assets0.9540%1,472
Noncurrent loans to loans0.8196%2,006
Net loans and leases to total assets70.3044%2,437
Net loans and leases to deposits80.0393%2,837
Net loans and leases to core deposits97.8129%1,792
Total domestic deposits to total assets87.8374%1,428
Equity capital to assets8.6377%4,907
Core capital (leverage) ratio7.9553%5,215
Tier 1 risk-based capital ratio9.2387%5,339
Total risk-based capital ratio10.3612%5,336
Memoranda:
Average total assets$791,391,000983
Average earning assets$736,087,000982
Average equity$65,935,5001,267
Average total loans$556,542,500967
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4999%2,461
Cost of funding earning assets0.7954%1,541
Net interest margin3.7045%3,019
Noninterest income to average assets0.4017%3,430
Noninterest expense to average assets2.1639%4,418
Loan and lease loss provision to assets0.1208%1,822
Net operating income to assets1.5290%1,045
Return on assets (ROA)1.5281%1,031
Pretax return on assets1.5281%1,684
Return on Equity (ROE)17.0396%491
Retained earnings to average equity (ytd only)-2.3226%5,145
Net charge-offs to loans-0.0025%4,260
Credit loss provision to net charge-offs-6,884.6154%4,950
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.7393%4,314
Assets per employee ($millions)5.5641%1,900
Cash dividends to net income (ytd only)*113.6307%178
Condition Ratios (%)
Loss allowance to loans1.3151%1,973
Loan loss allowance to noncurrent loans146.2584%2,756
Noncurrent assets plus other real estate owned to assets0.9954%1,377
Noncurrent loans to loans0.8992%1,787
Net loans and leases to total assets68.4944%2,805
Net loans and leases to deposits78.4285%3,119
Net loans and leases to core deposits87.9743%2,756
Total domestic deposits to total assets87.3336%1,624
Equity capital to assets8.0245%5,155
Core capital (leverage) ratio7.7473%5,289
Tier 1 risk-based capital ratio8.9727%5,382
Total risk-based capital ratio10.0939%5,383
Memoranda:
Average total assets$740,789,8001,007
Average earning assets$682,297,4001,012
Average equity$66,433,4001,215
Average total loans$510,772,0001,029
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4732%2,387
Cost of funding earning assets0.7571%1,552
Net interest margin3.7160%2,963
Noninterest income to average assets0.3891%3,545
Noninterest expense to average assets2.0576%4,633
Loan and lease loss provision to assets0.0595%2,789
Net operating income to assets1.6892%766
Return on assets (ROA)1.6886%765
Pretax return on assets1.6886%1,303
Return on Equity (ROE)18.3075%398
Retained earnings to average equity (ytd only)8.5584%1,391
Net charge-offs to loans-0.0144%4,498
Credit loss provision to net charge-offs-601.8519%4,538
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.0585%4,610
Assets per employee ($millions)5.2589%2,164
Cash dividends to net income (ytd only)*53.2516%1,466
Condition Ratios (%)
Loss allowance to loans1.3076%2,063
Loan loss allowance to noncurrent loans166.9331%2,563
Noncurrent assets plus other real estate owned to assets1.0118%1,437
Noncurrent loans to loans0.7833%2,141
Net loans and leases to total assets69.5169%2,722
Net loans and leases to deposits81.0952%2,914
Net loans and leases to core deposits94.4375%2,250
Total domestic deposits to total assets85.7225%2,315
Equity capital to assets9.3860%4,197
Core capital (leverage) ratio8.9489%4,747
Tier 1 risk-based capital ratio10.5829%5,214
Total risk-based capital ratio11.6974%5,169
Memoranda:
Average total assets$728,461,0001,019
Average earning assets$669,870,5001,029
Average equity$67,191,2501,201
Average total loans$501,367,5001,042
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4033%2,403
Cost of funding earning assets0.6947%1,650
Net interest margin3.7087%2,892
Noninterest income to average assets0.3768%3,635
Noninterest expense to average assets2.0747%4,667
Loan and lease loss provision to assets0.0343%3,229
Net operating income to assets1.6773%755
Return on assets (ROA)1.6773%763
Pretax return on assets1.6773%1,279
Return on Equity (ROE)18.2916%394
Retained earnings to average equity (ytd only)9.7005%1,009
Net charge-offs to loans-0.0245%4,657
Credit loss provision to net charge-offs-204.9180%4,196
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.7943%4,609
Assets per employee ($millions)5.2077%2,185
Cash dividends to net income (ytd only)*46.9675%1,817
Condition Ratios (%)
Loss allowance to loans1.2880%2,225
Loan loss allowance to noncurrent loans154.2300%2,724
Noncurrent assets plus other real estate owned to assets1.0622%1,398
Noncurrent loans to loans0.8351%2,057
Net loans and leases to total assets68.7100%2,763
Net loans and leases to deposits80.4856%2,896
Net loans and leases to core deposits92.8749%2,320
Total domestic deposits to total assets85.3693%2,537
Equity capital to assets9.3684%4,219
Core capital (leverage) ratio8.9098%4,767
Tier 1 risk-based capital ratio10.5533%5,250
Total risk-based capital ratio11.6518%5,219
Memoranda:
Average total assets$729,373,6701,021
Average earning assets$670,538,3301,036
Average equity$66,883,0001,203
Average total loans$498,095,3301,052
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3066%2,489
Cost of funding earning assets0.6249%1,881
Net interest margin3.6817%2,872
Noninterest income to average assets0.3753%3,630
Noninterest expense to average assets2.0789%4,704
Loan and lease loss provision to assets-0.0546%5,468
Net operating income to assets1.7440%622
Return on assets (ROA)1.7440%633
Pretax return on assets1.7440%1,017
Return on Equity (ROE)19.2241%303
Retained earnings to average equity (ytd only)10.5034%1,014
Net charge-offs to loans-0.0509%4,975
Credit loss provision to net charge-offs158.7302%1,195
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.1689%4,677
Assets per employee ($millions)5.2245%2,228
Cash dividends to net income (ytd only)*45.3634%1,643
Condition Ratios (%)
Loss allowance to loans1.2916%2,284
Loan loss allowance to noncurrent loans171.0426%2,536
Noncurrent assets plus other real estate owned to assets1.0807%1,442
Noncurrent loans to loans0.7551%2,312
Net loans and leases to total assets67.9089%2,779
Net loans and leases to deposits76.8731%3,125
Net loans and leases to core deposits83.9058%2,992
Total domestic deposits to total assets88.3390%1,435
Equity capital to assets9.4163%4,164
Core capital (leverage) ratio8.6964%4,994
Tier 1 risk-based capital ratio10.6276%5,308
Total risk-based capital ratio11.7216%5,271
Memoranda:
Average total assets$732,122,0001,026
Average earning assets$674,693,0001,032
Average equity$66,416,5001,216
Average total loans$495,210,0001,062
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2258%2,594
Cost of funding earning assets0.5757%1,773
Net interest margin3.6500%2,989
Noninterest income to average assets0.0972%5,421
Noninterest expense to average assets2.0327%4,907
Loan and lease loss provision to assets0.5169%255
Net operating income to assets0.9002%2,706
Return on assets (ROA)0.9004%2,738
Pretax return on assets0.9004%3,926
Return on Equity (ROE)10.2471%1,789
Retained earnings to average equity (ytd only)0.3832%4,876
Net charge-offs to loans0.7234%292
Credit loss provision to net charge-offs107.3709%2,414
Earnings coverage of net charge-offs (x)2.9434%3,670
Efficiency ratio58.9219%4,424
Assets per employee ($millions)5.9292%1,569
Cash dividends to net income (ytd only)*96.2607%422
Condition Ratios (%)
Loss allowance to loans1.2478%2,486
Loan loss allowance to noncurrent loans496.7691%1,131
Noncurrent assets plus other real estate owned to assets0.7524%2,078
Noncurrent loans to loans0.2512%3,885
Net loans and leases to total assets65.7344%3,135
Net loans and leases to deposits73.7763%3,538
Net loans and leases to core deposits81.3429%3,304
Total domestic deposits to total assets89.0996%963
Equity capital to assets8.7517%4,924
Core capital (leverage) ratio8.3425%5,259
Tier 1 risk-based capital ratio10.0139%5,533
Total risk-based capital ratio11.0809%5,527
Memoranda:
Average total assets$715,761,8001,020
Average earning assets$657,416,6001,026
Average equity$62,895,6001,257
Average total loans$476,332,6001,075
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2165%2,553
Cost of funding earning assets0.5718%1,727
Net interest margin3.6447%2,977
Noninterest income to average assets0.3809%3,805
Noninterest expense to average assets1.9694%5,017
Loan and lease loss provision to assets0.6620%171
Net operating income to assets1.0998%2,095
Return on assets (ROA)1.1002%2,143
Pretax return on assets1.1002%3,300
Return on Equity (ROE)12.5064%1,185
Retained earnings to average equity (ytd only)0.7804%5,042
Net charge-offs to loans0.9709%180
Credit loss provision to net charge-offs102.4590%2,236
Earnings coverage of net charge-offs (x)2.7269%3,430
Efficiency ratio52.7828%5,041
Assets per employee ($millions)5.4798%1,941
Cash dividends to net income (ytd only)*93.7596%391
Condition Ratios (%)
Loss allowance to loans1.2852%2,435
Loan loss allowance to noncurrent loans445.1379%1,167
Noncurrent assets plus other real estate owned to assets0.8861%1,940
Noncurrent loans to loans0.2887%3,907
Net loans and leases to total assets65.6342%3,156
Net loans and leases to deposits74.1190%3,547
Net loans and leases to core deposits81.8065%3,306
Total domestic deposits to total assets88.5525%1,098
Equity capital to assets8.9880%4,924
Core capital (leverage) ratio8.1948%5,421
Tier 1 risk-based capital ratio10.0218%5,594
Total risk-based capital ratio11.1134%5,592
Memoranda:
Average total assets$704,966,7501,043
Average earning assets$648,006,7501,044
Average equity$62,014,5001,283
Average total loans$469,118,2501,089
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1721%2,575
Cost of funding earning assets0.5562%1,737
Net interest margin3.6159%2,974
Noninterest income to average assets0.3879%3,765
Noninterest expense to average assets2.0069%4,964
Loan and lease loss provision to assets0.8278%123
Net operating income to assets0.8766%3,033
Return on assets (ROA)0.8766%3,090
Pretax return on assets0.8766%4,008
Return on Equity (ROE)10.0394%2,018
Retained earnings to average equity (ytd only)-7.7903%5,604
Net charge-offs to loans1.2595%152
Credit loss provision to net charge-offs98.7402%2,051
Earnings coverage of net charge-offs (x)2.0330%3,218
Efficiency ratio54.0763%5,010
Assets per employee ($millions)5.6626%1,736
Cash dividends to net income (ytd only)*177.5969%102
Condition Ratios (%)
Loss allowance to loans1.2836%2,496
Loan loss allowance to noncurrent loans697.5638%781
Noncurrent assets plus other real estate owned to assets0.9495%1,851
Noncurrent loans to loans0.1840%4,382
Net loans and leases to total assets65.3321%3,205
Net loans and leases to deposits73.4248%3,603
Net loans and leases to core deposits81.8403%3,268
Total domestic deposits to total assets88.9782%969
Equity capital to assets8.5335%5,279
Core capital (leverage) ratio7.7271%5,602
Tier 1 risk-based capital ratio9.3641%5,719
Total risk-based capital ratio10.4448%5,724
Memoranda:
Average total assets$700,669,0001,047
Average earning assets$643,985,3301,051
Average equity$61,179,0001,299
Average total loans$466,392,3301,099
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0871%2,699
Cost of funding earning assets0.5414%1,772
Net interest margin3.5458%3,094
Noninterest income to average assets0.4045%3,626
Noninterest expense to average assets2.1248%4,803
Loan and lease loss provision to assets0.1148%1,668
Net operating income to assets1.4420%907
Return on assets (ROA)1.4420%934
Pretax return on assets1.4420%1,725
Return on Equity (ROE)16.3268%489
Retained earnings to average equity (ytd only)8.5760%1,239
Net charge-offs to loans-0.0043%4,139
Credit loss provision to net charge-offs-4,000.0000%4,680
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7151%4,750
Assets per employee ($millions)5.5323%1,859
Cash dividends to net income (ytd only)*47.4731%1,765
Condition Ratios (%)
Loss allowance to loans1.3625%2,248
Loan loss allowance to noncurrent loans83.7125%3,932
Noncurrent assets plus other real estate owned to assets1.7621%824
Noncurrent loans to loans1.6276%1,197
Net loans and leases to total assets66.0077%2,970
Net loans and leases to deposits74.8227%3,319
Net loans and leases to core deposits81.7972%3,109
Total domestic deposits to total assets88.2188%1,583
Equity capital to assets9.0974%4,716
Core capital (leverage) ratio8.3148%5,372
Tier 1 risk-based capital ratio9.8619%5,728
Total risk-based capital ratio10.9675%5,736
Memoranda:
Average total assets$697,091,5001,059
Average earning assets$644,264,0001,052
Average equity$61,567,5001,290
Average total loans$465,364,0001,101
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1299%2,736
Cost of funding earning assets0.5377%1,808
Net interest margin3.5922%3,096
Noninterest income to average assets0.3717%4,090
Noninterest expense to average assets1.9487%5,287
Loan and lease loss provision to assets0.1284%1,935
Net operating income to assets1.6081%667
Return on assets (ROA)1.6081%692
Pretax return on assets1.6096%1,250
Return on Equity (ROE)17.5082%362
Retained earnings to average equity (ytd only)4.4706%2,730
Net charge-offs to loans0.1103%2,165
Credit loss provision to net charge-offs172.6190%1,610
Earnings coverage of net charge-offs (x)23.3710%1,688
Efficiency ratio52.8576%5,321
Assets per employee ($millions)6.2121%1,325
Cash dividends to net income (ytd only)*74.4655%1,118
Condition Ratios (%)
Loss allowance to loans1.2827%2,640
Loan loss allowance to noncurrent loans988.5621%616
Noncurrent assets plus other real estate owned to assets0.7292%2,544
Noncurrent loans to loans0.1298%4,715
Net loans and leases to total assets65.7472%3,108
Net loans and leases to deposits74.1612%3,494
Net loans and leases to core deposits82.1563%3,199
Total domestic deposits to total assets88.6544%1,292
Equity capital to assets8.5750%5,213
Core capital (leverage) ratio8.1307%5,542
Tier 1 risk-based capital ratio10.0165%5,733
Total risk-based capital ratio11.1288%5,734
Memoranda:
Average total assets$677,739,0001,046
Average earning assets$625,446,4001,043
Average equity$62,250,8001,260
Average total loans$456,753,2001,072
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1117%2,831
Cost of funding earning assets0.5410%1,781
Net interest margin3.5707%3,195
Noninterest income to average assets0.3920%3,979
Noninterest expense to average assets1.9474%5,298
Loan and lease loss provision to assets0.1094%2,102
Net operating income to assets1.6293%684
Return on assets (ROA)1.6293%724
Pretax return on assets1.6313%1,300
Return on Equity (ROE)17.4327%399
Retained earnings to average equity (ytd only)9.5753%666
Net charge-offs to loans0.0180%3,361
Credit loss provision to net charge-offs901.6393%446
Earnings coverage of net charge-offs (x)143.4285%484
Efficiency ratio52.8025%5,328
Assets per employee ($millions)5.9352%1,475
Cash dividends to net income (ytd only)*45.0727%2,124
Condition Ratios (%)
Loss allowance to loans1.3314%2,528
Loan loss allowance to noncurrent loans380.5795%1,331
Noncurrent assets plus other real estate owned to assets0.9132%2,271
Noncurrent loans to loans0.3498%3,996
Net loans and leases to total assets66.4482%3,050
Net loans and leases to deposits79.4484%3,026
Net loans and leases to core deposits88.0004%2,763
Total domestic deposits to total assets83.6369%3,340
Equity capital to assets9.5294%4,628
Core capital (leverage) ratio8.5034%5,355
Tier 1 risk-based capital ratio10.5806%5,580
Total risk-based capital ratio11.7417%5,542
Memoranda:
Average total assets$670,127,7501,058
Average earning assets$618,606,2501,051
Average equity$62,631,7501,257
Average total loans$453,026,2501,074
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0754%2,972
Cost of funding earning assets0.5489%1,706
Net interest margin3.5264%3,385
Noninterest income to average assets0.3398%4,348
Noninterest expense to average assets1.9542%5,362
Loan and lease loss provision to assets0.0377%3,403
Net operating income to assets1.5997%726
Return on assets (ROA)1.5997%770
Pretax return on assets1.6027%1,369
Return on Equity (ROE)17.2324%417
Retained earnings to average equity (ytd only)9.5004%717
Net charge-offs to loans0.0280%2,926
Credit loss provision to net charge-offs198.4127%1,318
Earnings coverage of net charge-offs (x)86.4444%655
Efficiency ratio54.3657%5,278
Assets per employee ($millions)5.8491%1,512
Cash dividends to net income (ytd only)*44.8691%2,203
Condition Ratios (%)
Loss allowance to loans1.2727%2,938
Loan loss allowance to noncurrent loans299.7392%1,641
Noncurrent assets plus other real estate owned to assets0.9567%2,235
Noncurrent loans to loans0.4246%3,830
Net loans and leases to total assets66.2664%3,045
Net loans and leases to deposits79.8095%2,951
Net loans and leases to core deposits87.9572%2,732
Total domestic deposits to total assets83.0308%3,643
Equity capital to assets9.5503%4,716
Core capital (leverage) ratio8.3006%5,534
Tier 1 risk-based capital ratio10.4359%5,699
Total risk-based capital ratio11.5320%5,684
Memoranda:
Average total assets$664,009,6701,071
Average earning assets$612,855,3301,064
Average equity$61,639,6701,274
Average total loans$449,482,6701,082
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0591%3,000
Cost of funding earning assets0.5762%1,501
Net interest margin3.4829%3,549
Noninterest income to average assets0.3839%3,958
Noninterest expense to average assets1.9998%5,338
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.6122%683
Return on assets (ROA)1.6122%727
Pretax return on assets1.6122%1,264
Return on Equity (ROE)17.7518%379
Retained earnings to average equity (ytd only)11.0274%648
Net charge-offs to loans0.0484%2,075
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)49.3462%891
Efficiency ratio55.3662%5,246
Assets per employee ($millions)6.3929%1,169
Cash dividends to net income (ytd only)*37.8800%2,155
Condition Ratios (%)
Loss allowance to loans1.2844%2,987
Loan loss allowance to noncurrent loans234.3670%1,984
Noncurrent assets plus other real estate owned to assets1.0608%2,086
Noncurrent loans to loans0.5480%3,536
Net loans and leases to total assets64.3944%3,189
Net loans and leases to deposits73.6050%3,481
Net loans and leases to core deposits80.8573%3,247
Total domestic deposits to total assets87.4864%1,934
Equity capital to assets8.9248%5,246
Core capital (leverage) ratio8.3048%5,565
Tier 1 risk-based capital ratio9.8171%5,945
Total risk-based capital ratio10.8648%5,965
Memoranda:
Average total assets$636,661,0001,111
Average earning assets$590,086,0001,110
Average equity$57,819,5001,339
Average total loans$430,068,0001,134
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0807%2,996
Cost of funding earning assets0.6167%1,263
Net interest margin3.4640%3,659
Noninterest income to average assets0.4026%4,016
Noninterest expense to average assets1.9649%5,521
Loan and lease loss provision to assets-0.1657%5,944
Net operating income to assets1.7993%486
Return on assets (ROA)1.7998%497
Pretax return on assets1.8028%804
Return on Equity (ROE)20.3129%236
Retained earnings to average equity (ytd only)4.3541%2,882
Net charge-offs to loans-0.3633%6,043
Credit loss provision to net charge-offs68.9307%3,141
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.5569%5,485
Assets per employee ($millions)5.8005%1,536
Cash dividends to net income (ytd only)*78.5650%915
Condition Ratios (%)
Loss allowance to loans1.2935%2,946
Loan loss allowance to noncurrent loans281.3131%1,749
Noncurrent assets plus other real estate owned to assets1.1206%1,957
Noncurrent loans to loans0.4598%3,825
Net loans and leases to total assets69.1274%2,514
Net loans and leases to deposits81.1434%2,693
Net loans and leases to core deposits91.4944%2,270
Total domestic deposits to total assets85.1916%3,005
Equity capital to assets9.2497%4,849
Core capital (leverage) ratio8.1657%5,721
Tier 1 risk-based capital ratio9.7918%5,995
Total risk-based capital ratio10.8800%6,014
Memoranda:
Average total assets$618,745,4001,102
Average earning assets$571,415,4001,090
Average equity$54,822,2001,361
Average total loans$409,251,2001,127
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0419%3,163
Cost of funding earning assets0.6171%1,300
Net interest margin3.4248%3,856
Noninterest income to average assets0.3914%4,144
Noninterest expense to average assets1.9217%5,608
Loan and lease loss provision to assets-0.2851%6,145
Net operating income to assets1.9195%411
Return on assets (ROA)1.9202%429
Pretax return on assets1.9221%692
Return on Equity (ROE)21.9108%192
Retained earnings to average equity (ytd only)3.7291%3,821
Net charge-offs to loans-0.4912%6,148
Credit loss provision to net charge-offs89.0457%2,485
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.0089%5,514
Assets per employee ($millions)5.9683%1,397
Cash dividends to net income (ytd only)*82.9804%672
Condition Ratios (%)
Loss allowance to loans1.2764%3,228
Loan loss allowance to noncurrent loans535.5691%971
Noncurrent assets plus other real estate owned to assets0.9499%2,480
Noncurrent loans to loans0.2383%4,718
Net loans and leases to total assets65.0450%3,147
Net loans and leases to deposits74.6276%3,461
Net loans and leases to core deposits86.3761%2,812
Total domestic deposits to total assets87.1595%1,954
Equity capital to assets8.8683%5,428
Core capital (leverage) ratio8.0181%5,890
Tier 1 risk-based capital ratio10.6433%5,826
Total risk-based capital ratio11.7820%5,799
Memoranda:
Average total assets$619,718,7501,106
Average earning assets$573,022,2501,098
Average equity$54,309,7501,385
Average total loans$403,913,7501,141
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0090%3,254
Cost of funding earning assets0.6142%1,316
Net interest margin3.3947%3,926
Noninterest income to average assets0.3826%4,214
Noninterest expense to average assets1.9223%5,676
Loan and lease loss provision to assets-0.4697%6,270
Net operating income to assets2.0709%321
Return on assets (ROA)2.0719%334
Pretax return on assets2.0748%514
Return on Equity (ROE)23.7381%142
Retained earnings to average equity (ytd only)0.5530%5,331
Net charge-offs to loans-0.7498%6,242
Credit loss provision to net charge-offs96.4737%2,121
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.5104%5,545
Assets per employee ($millions)6.2355%1,195
Cash dividends to net income (ytd only)*97.6704%565
Condition Ratios (%)
Loss allowance to loans1.2857%3,323
Loan loss allowance to noncurrent loans544.9842%966
Noncurrent assets plus other real estate owned to assets0.9752%2,578
Noncurrent loans to loans0.2359%4,823
Net loans and leases to total assets64.8440%3,144
Net loans and leases to deposits74.4952%3,435
Net loans and leases to core deposits85.8965%2,781
Total domestic deposits to total assets87.0446%2,143
Equity capital to assets8.8191%5,413
Core capital (leverage) ratio7.9320%5,961
Tier 1 risk-based capital ratio10.3030%5,994
Total risk-based capital ratio11.4334%5,976
Memoranda:
Average total assets$617,401,0001,116
Average earning assets$571,769,6701,105
Average equity$53,888,0001,403
Average total loans$400,922,0001,150
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8909%3,659
Cost of funding earning assets0.6022%1,421
Net interest margin3.2887%4,270
Noninterest income to average assets0.3616%4,317
Noninterest expense to average assets1.9769%5,625
Loan and lease loss provision to assets-0.9669%6,381
Net operating income to assets2.3978%181
Return on assets (ROA)2.3998%190
Pretax return on assets2.4056%274
Return on Equity (ROE)27.6361%77
Retained earnings to average equity (ytd only)-8.8557%6,103
Net charge-offs to loans-1.4875%6,343
Credit loss provision to net charge-offs100.6711%1,600
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.9116%5,349
Assets per employee ($millions)6.2426%1,231
Cash dividends to net income (ytd only)*132.0441%442
Condition Ratios (%)
Loss allowance to loans1.2732%3,560
Loan loss allowance to noncurrent loans165.5195%2,579
Noncurrent assets plus other real estate owned to assets1.0007%2,628
Noncurrent loans to loans0.7692%3,333
Net loans and leases to total assets64.6178%3,005
Net loans and leases to deposits74.1527%3,290
Net loans and leases to core deposits82.4542%2,914
Total domestic deposits to total assets87.1415%2,297
Equity capital to assets8.7163%5,561
Core capital (leverage) ratio7.4591%6,157
Tier 1 risk-based capital ratio9.8830%6,196
Total risk-based capital ratio10.9644%6,200
Memoranda:
Average total assets$620,561,5001,120
Average earning assets$575,904,0001,102
Average equity$53,886,0001,411
Average total loans$400,678,0001,147
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3026%2,598
Cost of funding earning assets0.6582%1,354
Net interest margin3.6443%3,239
Noninterest income to average assets0.4101%4,112
Noninterest expense to average assets2.0372%5,705
Loan and lease loss provision to assets0.1405%1,887
Net operating income to assets1.5706%755
Return on assets (ROA)1.6166%719
Pretax return on assets1.6183%1,185
Return on Equity (ROE)16.8886%503
Retained earnings to average equity (ytd only)1.2833%5,199
Net charge-offs to loans0.0510%3,810
Credit loss provision to net charge-offs401.0417%646
Earnings coverage of net charge-offs (x)48.8750%944
Efficiency ratio54.3247%5,817
Assets per employee ($millions)6.4881%1,056
Cash dividends to net income (ytd only)*92.4015%522
Condition Ratios (%)
Loss allowance to loans1.2738%3,573
Loan loss allowance to noncurrent loans167.1686%2,584
Noncurrent assets plus other real estate owned to assets0.9748%2,807
Noncurrent loans to loans0.7620%3,416
Net loans and leases to total assets62.8961%3,380
Net loans and leases to deposits72.1474%3,665
Net loans and leases to core deposits79.7455%3,323
Total domestic deposits to total assets87.1773%2,180
Equity capital to assets8.6515%5,611
Core capital (leverage) ratio8.3706%5,701
Tier 1 risk-based capital ratio10.1901%6,206
Total risk-based capital ratio11.2792%6,200
Memoranda:
Average total assets$547,865,6001,221
Average earning assets$502,092,6001,224
Average equity$52,443,8001,393
Average total loans$376,354,4001,174
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4257%2,138
Cost of funding earning assets0.6776%1,271
Net interest margin3.7481%2,828
Noninterest income to average assets0.4100%4,164
Noninterest expense to average assets2.0742%5,633
Loan and lease loss provision to assets0.0619%3,119
Net operating income to assets1.7006%612
Return on assets (ROA)1.7079%630
Pretax return on assets1.7079%1,050
Return on Equity (ROE)17.3443%512
Retained earnings to average equity (ytd only)-0.6956%5,908
Net charge-offs to loans0.0140%4,271
Credit loss provision to net charge-offs628.2051%472
Earnings coverage of net charge-offs (x)178.7904%354
Efficiency ratio54.0615%5,817
Assets per employee ($millions)5.9108%1,398
Cash dividends to net income (ytd only)*104.0106%318
Condition Ratios (%)
Loss allowance to loans1.2593%3,885
Loan loss allowance to noncurrent loans118.5528%3,251
Noncurrent assets plus other real estate owned to assets1.4044%2,200
Noncurrent loans to loans1.0622%2,954
Net loans and leases to total assets71.3764%1,956
Net loans and leases to deposits84.4474%2,091
Net loans and leases to core deposits96.8107%1,608
Total domestic deposits to total assets84.5217%3,540
Equity capital to assets10.2702%3,827
Core capital (leverage) ratio9.1135%4,912
Tier 1 risk-based capital ratio10.8288%6,079
Total risk-based capital ratio11.9235%6,095
Memoranda:
Average total assets$527,495,2501,279
Average earning assets$482,256,7501,281
Average equity$51,942,7501,413
Average total loans$370,207,5001,198
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3323%2,462
Cost of funding earning assets0.6815%1,302
Net interest margin3.6509%3,142
Noninterest income to average assets0.4080%4,187
Noninterest expense to average assets2.0327%5,769
Loan and lease loss provision to assets0.0283%3,711
Net operating income to assets1.6809%597
Return on assets (ROA)1.6919%614
Pretax return on assets1.6919%1,033
Return on Equity (ROE)17.4266%512
Retained earnings to average equity (ytd only)-5.3411%6,257
Net charge-offs to loans0.0136%3,966
Credit loss provision to net charge-offs300.0000%849
Earnings coverage of net charge-offs (x)181.1600%348
Efficiency ratio54.3217%5,884
Assets per employee ($millions)5.7716%1,452
Cash dividends to net income (ytd only)*130.6491%307
Condition Ratios (%)
Loss allowance to loans1.2489%4,171
Loan loss allowance to noncurrent loans151.0723%2,707
Noncurrent assets plus other real estate owned to assets1.2494%2,610
Noncurrent loans to loans0.8267%3,638
Net loans and leases to total assets68.9361%2,250
Net loans and leases to deposits81.1752%2,362
Net loans and leases to core deposits90.3662%2,094
Total domestic deposits to total assets84.9226%3,552
Equity capital to assets9.9193%4,220
Core capital (leverage) ratio8.8755%5,198
Tier 1 risk-based capital ratio10.8775%6,103
Total risk-based capital ratio11.9664%6,118
Memoranda:
Average total assets$529,942,3301,269
Average earning assets$483,941,3301,272
Average equity$51,450,0001,416
Average total loans$368,276,0001,202
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2609%2,663
Cost of funding earning assets0.6711%1,433
Net interest margin3.5897%3,295
Noninterest income to average assets0.3656%4,463
Noninterest expense to average assets2.0896%5,704
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.5458%743
Return on assets (ROA)1.5708%733
Pretax return on assets1.5708%1,235
Return on Equity (ROE)16.2202%621
Retained earnings to average equity (ytd only)-17.5790%6,500
Net charge-offs to loans0.0239%3,090
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)92.8000%486
Efficiency ratio57.4800%5,706
Assets per employee ($millions)5.8053%1,451
Cash dividends to net income (ytd only)*208.3775%232
Condition Ratios (%)
Loss allowance to loans1.2547%4,355
Loan loss allowance to noncurrent loans92.0356%3,818
Noncurrent assets plus other real estate owned to assets1.5598%2,262
Noncurrent loans to loans1.3633%2,750
Net loans and leases to total assets68.3955%2,159
Net loans and leases to deposits80.2179%2,263
Net loans and leases to core deposits87.4479%2,151
Total domestic deposits to total assets85.2620%3,736
Equity capital to assets9.6091%4,341
Core capital (leverage) ratio8.3379%5,811
Tier 1 risk-based capital ratio10.2695%6,401
Total risk-based capital ratio11.3288%6,422
Memoranda:
Average total assets$480,273,0001,403
Average earning assets$437,471,0001,410
Average equity$46,510,0001,541
Average total loans$334,487,0001,315
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2632%3,098
Cost of funding earning assets0.7382%1,574
Net interest margin3.5251%3,788
Noninterest income to average assets0.3056%5,155
Noninterest expense to average assets1.9255%6,150
Loan and lease loss provision to assets-0.0052%6,259
Net operating income to assets1.5933%700
Return on assets (ROA)1.5935%719
Pretax return on assets1.5935%1,188
Return on Equity (ROE)16.1824%602
Retained earnings to average equity (ytd only)2.5452%4,439
Net charge-offs to loans-0.0650%6,391
Credit loss provision to net charge-offs12.1951%4,560
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.8020%6,071
Assets per employee ($millions)5.9816%1,283
Cash dividends to net income (ytd only)*84.2720%790
Condition Ratios (%)
Loss allowance to loans1.2254%4,517
Loan loss allowance to noncurrent loans93.3947%3,791
Noncurrent assets plus other real estate owned to assets1.5403%2,419
Noncurrent loans to loans1.3120%2,945
Net loans and leases to total assets69.1612%2,148
Net loans and leases to deposits81.6412%2,226
Net loans and leases to core deposits90.7479%1,933
Total domestic deposits to total assets84.7136%3,885
Equity capital to assets9.7577%4,091
Core capital (leverage) ratio9.0213%4,965
Tier 1 risk-based capital ratio10.5052%6,363
Total risk-based capital ratio11.5413%6,393
Memoranda:
Average total assets$478,011,6001,390
Average earning assets$434,997,2001,399
Average equity$47,069,6001,491
Average total loans$315,225,8001,345
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2300%3,273
Cost of funding earning assets0.7522%1,591
Net interest margin3.4778%3,978
Noninterest income to average assets0.4002%4,543
Noninterest expense to average assets1.8987%6,189
Loan and lease loss provision to assets0.0630%3,784
Net operating income to assets1.6076%741
Return on assets (ROA)1.6020%790
Pretax return on assets1.6020%1,334
Return on Equity (ROE)16.2318%619
Retained earnings to average equity (ytd only)0.5274%5,758
Net charge-offs to loans0.0211%4,708
Credit loss provision to net charge-offs459.1837%581
Earnings coverage of net charge-offs (x)121.8195%430
Efficiency ratio53.1953%6,170
Assets per employee ($millions)5.8311%1,359
Cash dividends to net income (ytd only)*96.7506%454
Condition Ratios (%)
Loss allowance to loans1.3076%4,348
Loan loss allowance to noncurrent loans88.6044%3,786
Noncurrent assets plus other real estate owned to assets1.8204%2,244
Noncurrent loans to loans1.4757%2,951
Net loans and leases to total assets66.3500%2,577
Net loans and leases to deposits78.2530%2,619
Net loans and leases to core deposits85.6177%2,450
Total domestic deposits to total assets84.7891%3,842
Equity capital to assets9.7610%4,230
Core capital (leverage) ratio8.8216%5,381
Tier 1 risk-based capital ratio11.0197%6,275
Total risk-based capital ratio12.1319%6,299
Memoranda:
Average total assets$476,387,0001,402
Average earning assets$434,098,7501,406
Average equity$47,017,7501,502
Average total loans$309,219,7501,371
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1602%3,501
Cost of funding earning assets0.7642%1,624
Net interest margin3.3960%4,200
Noninterest income to average assets0.3584%4,824
Noninterest expense to average assets1.9307%6,173
Loan and lease loss provision to assets0.0105%4,661
Net operating income to assets1.5129%879
Return on assets (ROA)1.5046%960
Pretax return on assets1.5046%1,605
Return on Equity (ROE)15.1893%777
Retained earnings to average equity (ytd only)-2.5654%6,264
Net charge-offs to loans0.0764%3,622
Credit loss provision to net charge-offs21.3675%3,708
Earnings coverage of net charge-offs (x)31.1026%1,119
Efficiency ratio55.8963%5,976
Assets per employee ($millions)5.9626%1,227
Cash dividends to net income (ytd only)*116.8893%366
Condition Ratios (%)
Loss allowance to loans1.2467%4,748
Loan loss allowance to noncurrent loans122.5623%2,969
Noncurrent assets plus other real estate owned to assets1.5694%2,761
Noncurrent loans to loans1.0172%3,898
Net loans and leases to total assets64.4963%2,841
Net loans and leases to deposits77.3548%2,661
Net loans and leases to core deposits84.2841%2,516
Total domestic deposits to total assets83.3773%4,557
Equity capital to assets9.6118%4,436
Core capital (leverage) ratio8.6380%5,506
Tier 1 risk-based capital ratio10.8874%6,383
Total risk-based capital ratio11.9356%6,423
Memoranda:
Average total assets$477,743,3301,398
Average earning assets$435,507,3301,406
Average equity$47,322,6701,501
Average total loans$306,448,0001,378
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1139%3,667
Cost of funding earning assets0.8000%1,523
Net interest margin3.3139%4,467
Noninterest income to average assets0.2654%5,560
Noninterest expense to average assets1.9228%6,246
Loan and lease loss provision to assets-0.2140%6,899
Net operating income to assets1.5744%742
Return on assets (ROA)1.5761%800
Pretax return on assets1.5761%1,362
Return on Equity (ROE)15.6491%655
Retained earnings to average equity (ytd only)-13.7790%6,721
Net charge-offs to loans-0.0080%5,375
Credit loss provision to net charge-offs4,166.6667%72
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.5658%5,774
Assets per employee ($millions)6.3720%1,039
Cash dividends to net income (ytd only)*188.0500%245
Condition Ratios (%)
Loss allowance to loans1.2947%4,728
Loan loss allowance to noncurrent loans102.2272%3,294
Noncurrent assets plus other real estate owned to assets1.9138%2,459
Noncurrent loans to loans1.2665%3,661
Net loans and leases to total assets60.1837%3,396
Net loans and leases to deposits71.6934%3,225
Net loans and leases to core deposits78.6077%2,979
Total domestic deposits to total assets83.9460%4,500
Equity capital to assets9.8965%4,284
Core capital (leverage) ratio8.2579%5,865
Tier 1 risk-based capital ratio11.1073%6,358
Total risk-based capital ratio12.1700%6,412
Memoranda:
Average total assets$467,225,0001,433
Average earning assets$425,483,5001,451
Average equity$47,057,0001,531
Average total loans$299,188,5001,417
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5922%3,033
Cost of funding earning assets0.9196%1,819
Net interest margin3.6726%3,777
Noninterest income to average assets0.1971%6,007
Noninterest expense to average assets1.9551%6,409
Loan and lease loss provision to assets0.1189%4,132
Net operating income to assets1.4431%1,019
Return on assets (ROA)1.4546%1,111
Pretax return on assets1.4562%1,832
Return on Equity (ROE)13.9576%999
Retained earnings to average equity (ytd only)6.4777%1,834
Net charge-offs to loans0.1714%4,005
Credit loss provision to net charge-offs105.6225%2,821
Earnings coverage of net charge-offs (x)13.8876%1,780
Efficiency ratio55.5641%6,114
Assets per employee ($millions)6.5180%995
Cash dividends to net income (ytd only)*53.5903%2,140
Condition Ratios (%)
Loss allowance to loans1.2441%4,909
Loan loss allowance to noncurrent loans103.3518%3,257
Noncurrent assets plus other real estate owned to assets2.1245%2,304
Noncurrent loans to loans1.2038%3,847
Net loans and leases to total assets66.2358%2,491
Net loans and leases to deposits79.7474%2,320
Net loans and leases to core deposits87.6777%2,125
Total domestic deposits to total assets83.0570%4,698
Equity capital to assets10.2451%3,834
Core capital (leverage) ratio8.7518%5,255
Tier 1 risk-based capital ratio10.8836%6,393
Total risk-based capital ratio11.9491%6,440
Memoranda:
Average total assets$442,325,8001,488
Average earning assets$400,046,2001,506
Average equity$46,096,6001,511
Average total loans$290,624,8001,445
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6416%3,051
Cost of funding earning assets0.9374%1,939
Net interest margin3.7042%3,782
Noninterest income to average assets0.1390%6,448
Noninterest expense to average assets1.9905%6,365
Loan and lease loss provision to assets0.3370%1,939
Net operating income to assets1.1598%1,869
Return on assets (ROA)1.1754%2,005
Pretax return on assets1.1775%3,072
Return on Equity (ROE)11.2276%1,876
Retained earnings to average equity (ytd only)3.1812%4,629
Net charge-offs to loans0.1462%3,940
Credit loss provision to net charge-offs352.8846%764
Earnings coverage of net charge-offs (x)15.6955%1,737
Efficiency ratio57.0439%5,912
Assets per employee ($millions)6.4243%988
Cash dividends to net income (ytd only)*71.6667%874
Condition Ratios (%)
Loss allowance to loans1.5806%3,599
Loan loss allowance to noncurrent loans123.6522%2,707
Noncurrent assets plus other real estate owned to assets2.2564%2,365
Noncurrent loans to loans1.2783%3,909
Net loans and leases to total assets63.8738%3,042
Net loans and leases to deposits77.0001%2,816
Net loans and leases to core deposits85.6639%2,508
Total domestic deposits to total assets82.9528%4,652
Equity capital to assets10.1955%4,211
Core capital (leverage) ratio8.8112%5,330
Tier 1 risk-based capital ratio11.1219%6,433
Total risk-based capital ratio12.3733%6,403
Memoranda:
Average total assets$435,583,2501,528
Average earning assets$393,991,7501,539
Average equity$45,600,7501,539
Average total loans$284,591,5001,481
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6730%3,031
Cost of funding earning assets0.9676%1,948
Net interest margin3.7053%3,790
Noninterest income to average assets0.1586%6,397
Noninterest expense to average assets2.0754%6,274
Loan and lease loss provision to assets0.3853%1,702
Net operating income to assets1.0314%2,335
Return on assets (ROA)1.0552%2,451
Pretax return on assets1.0585%3,473
Return on Equity (ROE)9.9868%2,356
Retained earnings to average equity (ytd only)2.1457%5,116
Net charge-offs to loans0.1695%3,585
Credit loss provision to net charge-offs347.0588%842
Earnings coverage of net charge-offs (x)12.7899%1,846
Efficiency ratio59.3754%5,683
Assets per employee ($millions)6.0986%1,170
Cash dividends to net income (ytd only)*78.5146%823
Condition Ratios (%)
Loss allowance to loans1.6058%3,583
Loan loss allowance to noncurrent loans94.2130%3,364
Noncurrent assets plus other real estate owned to assets3.2007%1,704
Noncurrent loans to loans1.7045%3,339
Net loans and leases to total assets63.3536%3,174
Net loans and leases to deposits76.1786%2,964
Net loans and leases to core deposits84.0683%2,682
Total domestic deposits to total assets83.1646%4,693
Equity capital to assets10.5421%3,633
Core capital (leverage) ratio8.9059%5,038
Tier 1 risk-based capital ratio11.4840%6,226
Total risk-based capital ratio12.7354%6,203
Memoranda:
Average total assets$428,736,6701,553
Average earning assets$386,094,3301,570
Average equity$45,299,6701,540
Average total loans$280,781,3301,498
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7226%2,960
Cost of funding earning assets0.9903%2,034
Net interest margin3.7324%3,683
Noninterest income to average assets-0.0778%7,158
Noninterest expense to average assets2.1950%6,051
Loan and lease loss provision to assets0.4266%1,469
Net operating income to assets0.6442%4,142
Return on assets (ROA)0.6442%4,351
Pretax return on assets0.6507%4,938
Return on Equity (ROE)6.0896%4,244
Retained earnings to average equity (ytd only)1.6399%5,417
Net charge-offs to loans0.2016%2,909
Credit loss provision to net charge-offs320.4225%935
Earnings coverage of net charge-offs (x)8.0915%2,000
Efficiency ratio67.0774%4,340
Assets per employee ($millions)6.0580%1,252
Cash dividends to net income (ytd only)*73.0713%923
Condition Ratios (%)
Loss allowance to loans1.5530%3,929
Loan loss allowance to noncurrent loans145.8015%2,218
Noncurrent assets plus other real estate owned to assets2.9965%1,935
Noncurrent loans to loans1.0652%4,574
Net loans and leases to total assets62.8140%3,089
Net loans and leases to deposits75.8427%2,821
Net loans and leases to core deposits83.9761%2,550
Total domestic deposits to total assets82.8215%5,001
Equity capital to assets10.6405%3,335
Core capital (leverage) ratio8.8139%5,115
Tier 1 risk-based capital ratio11.5721%6,241
Total risk-based capital ratio12.8227%6,217
Memoranda:
Average total assets$426,606,0001,561
Average earning assets$382,922,0001,582
Average equity$45,126,0001,538
Average total loans$281,773,5001,504
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9726%3,008
Cost of funding earning assets1.1780%2,178
Net interest margin3.7947%3,846
Noninterest income to average assets-0.3135%7,208
Noninterest expense to average assets1.9201%6,803
Loan and lease loss provision to assets0.5244%2,000
Net operating income to assets0.6128%3,930
Return on assets (ROA)0.6403%3,980
Pretax return on assets0.6419%4,549
Return on Equity (ROE)6.2512%3,752
Retained earnings to average equity (ytd only)2.1399%4,692
Net charge-offs to loans0.9487%1,832
Credit loss provision to net charge-offs81.6642%4,380
Earnings coverage of net charge-offs (x)1.7736%4,450
Efficiency ratio62.7686%5,336
Assets per employee ($millions)6.2196%1,090
Cash dividends to net income (ytd only)*65.7681%1,315
Condition Ratios (%)
Loss allowance to loans1.3274%4,770
Loan loss allowance to noncurrent loans142.9254%2,224
Noncurrent assets plus other real estate owned to assets3.2578%1,831
Noncurrent loans to loans0.9287%4,839
Net loans and leases to total assets67.3623%2,511
Net loans and leases to deposits80.1764%2,492
Net loans and leases to core deposits88.3451%2,342
Total domestic deposits to total assets84.0176%4,308
Equity capital to assets10.5160%3,522
Core capital (leverage) ratio8.8212%5,068
Tier 1 risk-based capital ratio10.7085%6,598
Total risk-based capital ratio11.8337%6,626
Memoranda:
Average total assets$422,945,0001,541
Average earning assets$375,897,4001,582
Average equity$43,319,6001,559
Average total loans$286,300,4001,491
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9858%3,157
Cost of funding earning assets1.2499%1,998
Net interest margin3.7360%4,185
Noninterest income to average assets-0.7986%7,392
Noninterest expense to average assets1.8116%6,984
Loan and lease loss provision to assets0.4377%2,289
Net operating income to assets0.2575%5,544
Return on assets (ROA)0.2808%5,629
Pretax return on assets0.2808%5,745
Return on Equity (ROE)2.7391%5,526
Retained earnings to average equity (ytd only)-2.3943%6,349
Net charge-offs to loans0.5792%2,514
Credit loss provision to net charge-offs109.9512%3,007
Earnings coverage of net charge-offs (x)1.7463%4,344
Efficiency ratio72.2653%3,502
Assets per employee ($millions)6.5301%936
Cash dividends to net income (ytd only)*187.4126%68
Condition Ratios (%)
Loss allowance to loans1.4337%4,398
Loan loss allowance to noncurrent loans85.9558%3,358
Noncurrent assets plus other real estate owned to assets3.8608%1,600
Noncurrent loans to loans1.6680%3,800
Net loans and leases to total assets68.6897%2,335
Net loans and leases to deposits81.4882%2,452
Net loans and leases to core deposits92.9182%1,893
Total domestic deposits to total assets84.2940%4,102
Equity capital to assets10.4075%3,822
Core capital (leverage) ratio8.3740%5,890
Tier 1 risk-based capital ratio10.1462%6,910
Total risk-based capital ratio11.3800%6,909
Memoranda:
Average total assets$343,269,0001,894
Average earning assets$303,706,7501,945
Average equity$35,193,5001,918
Average total loans$235,970,7501,791
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9785%3,259
Cost of funding earning assets1.2821%2,054
Net interest margin3.6963%4,279
Noninterest income to average assets-0.5901%7,437
Noninterest expense to average assets1.8964%6,953
Loan and lease loss provision to assets0.5539%1,750
Net operating income to assets0.2103%5,707
Return on assets (ROA)0.2267%5,759
Pretax return on assets0.2267%5,865
Return on Equity (ROE)2.2223%5,711
Retained earnings to average equity (ytd only)-4.6509%6,537
Net charge-offs to loans0.7198%2,073
Credit loss provision to net charge-offs112.4555%2,729
Earnings coverage of net charge-offs (x)1.5516%4,126
Efficiency ratio71.2780%3,884
Assets per employee ($millions)6.6156%872
Cash dividends to net income (ytd only)*309.2784%48
Condition Ratios (%)
Loss allowance to loans1.4492%4,350
Loan loss allowance to noncurrent loans72.7464%3,825
Noncurrent assets plus other real estate owned to assets4.4612%1,411
Noncurrent loans to loans1.9921%3,494
Net loans and leases to total assets68.4389%2,526
Net loans and leases to deposits82.3289%2,400
Net loans and leases to core deposits94.0082%1,892
Total domestic deposits to total assets83.1286%4,704
Equity capital to assets10.3413%3,696
Core capital (leverage) ratio8.5826%5,428
Tier 1 risk-based capital ratio10.1538%6,937
Total risk-based capital ratio11.3978%6,922
Memoranda:
Average total assets$342,326,3301,908
Average earning assets$301,057,3301,970
Average equity$34,918,0001,914
Average total loans$234,230,6701,823
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9205%3,481
Cost of funding earning assets1.3418%1,934
Net interest margin3.5786%4,664
Noninterest income to average assets-1.6622%7,551
Noninterest expense to average assets1.7746%7,167
Loan and lease loss provision to assets0.6923%1,219
Net operating income to assets-0.9957%7,046
Return on assets (ROA)-0.9957%7,048
Pretax return on assets-0.9957%6,998
Return on Equity (ROE)-9.8296%7,026
Retained earnings to average equity (ytd only)-23.7066%7,218
Net charge-offs to loans0.0397%4,558
Credit loss provision to net charge-offs2,569.5652%152
Earnings coverage of net charge-offs (x)-11.2609%5,061
Efficiency ratio120.6210%337
Assets per employee ($millions)6.4266%957
Cash dividends to net income (ytd only)*-141.1765%7,547
Condition Ratios (%)
Loss allowance to loans1.7101%3,305
Loan loss allowance to noncurrent loans140.8618%2,105
Noncurrent assets plus other real estate owned to assets4.0232%1,660
Noncurrent loans to loans1.2141%4,657
Net loans and leases to total assets67.4702%2,664
Net loans and leases to deposits79.7424%2,756
Net loans and leases to core deposits90.7475%2,271
Total domestic deposits to total assets84.6102%4,220
Equity capital to assets10.0729%3,680
Core capital (leverage) ratio8.0671%6,165
Tier 1 risk-based capital ratio9.8977%7,039
Total risk-based capital ratio11.1501%7,042
Memoranda:
Average total assets$341,485,0001,928
Average earning assets$298,996,0001,997
Average equity$34,589,5001,917
Average total loans$231,897,0001,852
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9786%4,656
Cost of funding earning assets1.6327%1,903
Net interest margin3.3459%5,808
Noninterest income to average assets0.4009%4,904
Noninterest expense to average assets1.8539%7,216
Loan and lease loss provision to assets1.0222%1,584
Net operating income to assets0.4410%4,356
Return on assets (ROA)0.5021%4,249
Pretax return on assets0.5036%4,611
Return on Equity (ROE)4.9895%4,071
Retained earnings to average equity (ytd only)0.6668%5,239
Net charge-offs to loans1.4777%1,490
Credit loss provision to net charge-offs106.5185%4,191
Earnings coverage of net charge-offs (x)1.5262%4,603
Efficiency ratio55.8650%6,612
Assets per employee ($millions)6.8390%804
Cash dividends to net income (ytd only)*86.6365%661
Condition Ratios (%)
Loss allowance to loans1.4318%4,368
Loan loss allowance to noncurrent loans174.4283%1,709
Noncurrent assets plus other real estate owned to assets5.2860%1,180
Noncurrent loans to loans0.8208%5,410
Net loans and leases to total assets66.2413%3,416
Net loans and leases to deposits78.2794%3,466
Net loans and leases to core deposits88.8780%2,921
Total domestic deposits to total assets84.6216%4,049
Equity capital to assets10.1830%3,519
Core capital (leverage) ratio8.6411%5,121
Tier 1 risk-based capital ratio10.1303%6,916
Total risk-based capital ratio11.2998%6,950
Memoranda:
Average total assets$351,698,6001,862
Average earning assets$306,674,8001,943
Average equity$35,394,4001,872
Average total loans$228,399,0001,909
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9569%5,008
Cost of funding earning assets1.6904%1,924
Net interest margin3.2665%6,120
Noninterest income to average assets0.3628%5,255
Noninterest expense to average assets1.7811%7,349
Loan and lease loss provision to assets1.0158%1,455
Net operating income to assets0.4188%4,665
Return on assets (ROA)0.5001%4,506
Pretax return on assets0.5020%4,916
Return on Equity (ROE)4.9843%4,299
Retained earnings to average equity (ytd only)0.2337%5,686
Net charge-offs to loans1.7852%1,089
Credit loss provision to net charge-offs88.3805%4,832
Earnings coverage of net charge-offs (x)1.2498%4,817
Efficiency ratio55.3557%6,639
Assets per employee ($millions)6.5414%942
Cash dividends to net income (ytd only)*95.3104%404
Condition Ratios (%)
Loss allowance to loans1.2448%5,262
Loan loss allowance to noncurrent loans143.8987%1,964
Noncurrent assets plus other real estate owned to assets5.7878%1,049
Noncurrent loans to loans0.8651%5,494
Net loans and leases to total assets66.1800%3,646
Net loans and leases to deposits80.0044%3,450
Net loans and leases to core deposits92.8452%2,677
Total domestic deposits to total assets82.7204%4,708
Equity capital to assets10.8581%3,103
Core capital (leverage) ratio8.6187%5,317
Tier 1 risk-based capital ratio10.7430%6,600
Total risk-based capital ratio11.7777%6,746
Memoranda:
Average total assets$352,426,5001,882
Average earning assets$308,004,5001,963
Average equity$35,363,7501,891
Average total loans$226,899,5001,944
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8449%5,624
Cost of funding earning assets1.7207%2,010
Net interest margin3.1242%6,538
Noninterest income to average assets0.3758%5,119
Noninterest expense to average assets1.8277%7,358
Loan and lease loss provision to assets1.0650%1,358
Net operating income to assets0.2161%5,507
Return on assets (ROA)0.2504%5,514
Pretax return on assets0.2531%5,645
Return on Equity (ROE)2.5601%5,429
Retained earnings to average equity (ytd only)-4.6241%6,506
Net charge-offs to loans1.6289%1,166
Credit loss provision to net charge-offs102.8541%3,964
Earnings coverage of net charge-offs (x)1.2396%4,578
Efficiency ratio58.7455%6,266
Assets per employee ($millions)6.5058%950
Cash dividends to net income (ytd only)*280.6236%69
Condition Ratios (%)
Loss allowance to loans1.4567%4,145
Loan loss allowance to noncurrent loans87.8029%3,092
Noncurrent assets plus other real estate owned to assets6.1388%940
Noncurrent loans to loans1.6591%4,212
Net loans and leases to total assets62.5639%4,569
Net loans and leases to deposits75.0788%4,504
Net loans and leases to core deposits85.6745%3,880
Total domestic deposits to total assets83.3309%4,428
Equity capital to assets10.1588%3,825
Core capital (leverage) ratio8.1691%6,001
Tier 1 risk-based capital ratio10.4779%6,704
Total risk-based capital ratio11.6703%6,731
Memoranda:
Average total assets$358,697,6701,864
Average earning assets$314,064,6701,939
Average equity$35,077,0001,904
Average total loans$228,010,0001,954
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7658%6,014
Cost of funding earning assets1.7387%2,191
Net interest margin3.0272%6,772
Noninterest income to average assets0.4059%4,870
Noninterest expense to average assets1.6289%7,633
Loan and lease loss provision to assets0.8314%1,522
Net operating income to assets0.6159%3,830
Return on assets (ROA)0.6837%3,624
Pretax return on assets0.6837%4,296
Return on Equity (ROE)7.1222%3,281
Retained earnings to average equity (ytd only)-4.2733%6,531
Net charge-offs to loans1.1214%1,504
Credit loss provision to net charge-offs116.5644%2,993
Earnings coverage of net charge-offs (x)2.0291%3,525
Efficiency ratio52.9516%7,058
Assets per employee ($millions)6.8473%851
Cash dividends to net income (ytd only)*160.0000%280
Condition Ratios (%)
Loss allowance to loans1.4282%4,277
Loan loss allowance to noncurrent loans60.0518%4,373
Noncurrent assets plus other real estate owned to assets4.9443%1,315
Noncurrent loans to loans2.3783%3,300
Net loans and leases to total assets64.1141%4,301
Net loans and leases to deposits76.5975%4,302
Net loans and leases to core deposits87.5375%3,675
Total domestic deposits to total assets83.7026%4,300
Equity capital to assets10.0109%3,858
Core capital (leverage) ratio7.9398%6,325
Tier 1 risk-based capital ratio10.5036%6,630
Total risk-based capital ratio11.7009%6,673
Memoranda:
Average total assets$365,643,5001,873
Average earning assets$322,545,0001,931
Average equity$35,101,5001,920
Average total loans$232,558,5001,978
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1917%5,685
Cost of funding earning assets2.0200%2,870
Net interest margin3.1717%6,179
Noninterest income to average assets0.3797%5,378
Noninterest expense to average assets1.7669%7,642
Loan and lease loss provision to assets1.3076%1,762
Net operating income to assets0.1179%5,156
Return on assets (ROA)0.2927%4,646
Pretax return on assets0.2933%4,776
Return on Equity (ROE)2.7900%4,592
Retained earnings to average equity (ytd only)-7.3991%6,280
Net charge-offs to loans1.8893%1,313
Credit loss provision to net charge-offs102.6505%5,379
Earnings coverage of net charge-offs (x)1.1195%4,994
Efficiency ratio55.3365%7,091
Assets per employee ($millions)7.3476%688
Cash dividends to net income (ytd only)*365.2004%78
Condition Ratios (%)
Loss allowance to loans1.3178%4,661
Loan loss allowance to noncurrent loans47.8413%5,199
Noncurrent assets plus other real estate owned to assets4.7134%1,344
Noncurrent loans to loans2.7544%2,806
Net loans and leases to total assets61.4651%5,115
Net loans and leases to deposits72.3771%5,276
Net loans and leases to core deposits91.6107%4,937
Total domestic deposits to total assets84.9235%3,591
Equity capital to assets9.2243%4,812
Core capital (leverage) ratio8.2451%5,735
Tier 1 risk-based capital ratio10.2119%6,668
Total risk-based capital ratio11.3226%6,779
Memoranda:
Average total assets$349,485,0001,948
Average earning assets$309,995,6002,005
Average equity$36,666,4001,836
Average total loans$235,648,8001,993
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2932%5,459
Cost of funding earning assets2.1055%2,866
Net interest margin3.1877%6,070
Noninterest income to average assets0.3754%5,507
Noninterest expense to average assets1.7394%7,720
Loan and lease loss provision to assets0.7343%2,544
Net operating income to assets0.7402%3,060
Return on assets (ROA)0.7402%3,122
Pretax return on assets0.7402%3,730
Return on Equity (ROE)6.8246%3,151
Retained earnings to average equity (ytd only)-6.6301%6,466
Net charge-offs to loans1.0584%1,876
Credit loss provision to net charge-offs100.7503%5,042
Earnings coverage of net charge-offs (x)2.0230%4,303
Efficiency ratio54.1201%7,221
Assets per employee ($millions)6.2767%1,087
Cash dividends to net income (ytd only)*197.1507%192
Condition Ratios (%)
Loss allowance to loans1.2749%4,652
Loan loss allowance to noncurrent loans23.2415%6,893
Noncurrent assets plus other real estate owned to assets6.0573%883
Noncurrent loans to loans5.4855%1,139
Net loans and leases to total assets69.2247%3,665
Net loans and leases to deposits84.0274%3,634
Net loans and leases to core deposits108.9593%3,347
Total domestic deposits to total assets82.3835%4,507
Equity capital to assets10.9685%3,042
Core capital (leverage) ratio8.8071%4,963
Tier 1 risk-based capital ratio10.9281%6,013
Total risk-based capital ratio12.0428%6,136
Memoranda:
Average total assets$341,337,0002,011
Average earning assets$303,952,7502,068
Average equity$37,022,0001,837
Average total loans$235,066,0002,018
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3132%5,597
Cost of funding earning assets2.1707%2,931
Net interest margin3.1426%6,115
Noninterest income to average assets0.4086%5,208
Noninterest expense to average assets1.7630%7,783
Loan and lease loss provision to assets0.3244%3,998
Net operating income to assets1.1072%1,747
Return on assets (ROA)1.1072%1,826
Pretax return on assets1.1072%2,613
Return on Equity (ROE)10.2461%1,932
Retained earnings to average equity (ytd only)-8.0713%6,674
Net charge-offs to loans0.3279%3,542
Credit loss provision to net charge-offs144.5313%3,208
Earnings coverage of net charge-offs (x)6.3776%2,633
Efficiency ratio55.1876%7,207
Assets per employee ($millions)6.3751%1,016
Cash dividends to net income (ytd only)*178.7751%274
Condition Ratios (%)
Loss allowance to loans1.3325%4,087
Loan loss allowance to noncurrent loans31.2543%6,382
Noncurrent assets plus other real estate owned to assets5.2626%968
Noncurrent loans to loans4.2633%1,545
Net loans and leases to total assets68.5520%4,061
Net loans and leases to deposits84.1052%3,860
Net loans and leases to core deposits105.4302%3,909
Total domestic deposits to total assets81.5074%4,894
Equity capital to assets10.6423%3,261
Core capital (leverage) ratio8.8184%4,917
Tier 1 risk-based capital ratio10.9606%5,918
Total risk-based capital ratio12.1228%5,947
Memoranda:
Average total assets$342,134,6702,025
Average earning assets$303,318,3302,093
Average equity$36,970,3301,849
Average total loans$234,200,3302,052
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3777%5,538
Cost of funding earning assets2.2604%2,884
Net interest margin3.1173%6,150
Noninterest income to average assets0.4785%4,521
Noninterest expense to average assets1.5879%7,918
Loan and lease loss provision to assets0.4339%2,758
Net operating income to assets1.1915%1,678
Return on assets (ROA)1.1915%1,789
Pretax return on assets1.1915%2,657
Return on Equity (ROE)10.9433%1,981
Retained earnings to average equity (ytd only)-21.3695%7,686
Net charge-offs to loans0.5162%2,170
Credit loss provision to net charge-offs123.7458%3,205
Earnings coverage of net charge-offs (x)4.6355%2,841
Efficiency ratio49.4161%7,630
Assets per employee ($millions)6.6623%892
Cash dividends to net income (ytd only)*295.2756%160
Condition Ratios (%)
Loss allowance to loans1.3925%3,540
Loan loss allowance to noncurrent loans43.3058%5,638
Noncurrent assets plus other real estate owned to assets4.6837%1,003
Noncurrent loans to loans3.2154%2,012
Net loans and leases to total assets65.6677%4,656
Net loans and leases to deposits79.3549%4,714
Net loans and leases to core deposits106.0344%3,907
Total domestic deposits to total assets82.7519%4,269
Equity capital to assets10.8872%3,086
Core capital (leverage) ratio8.9550%4,786
Tier 1 risk-based capital ratio11.2424%5,653
Total risk-based capital ratio12.4172%5,654
Memoranda:
Average total assets$341,073,5002,035
Average earning assets$299,237,0002,131
Average equity$37,137,0001,842
Average total loans$231,709,5002,085
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1446%4,801
Cost of funding earning assets2.5967%3,706
Net interest margin3.5479%5,109
Noninterest income to average assets0.4364%5,156
Noninterest expense to average assets1.7676%7,786
Loan and lease loss provision to assets0.2511%4,408
Net operating income to assets1.5832%857
Return on assets (ROA)1.5832%823
Pretax return on assets1.5832%1,440
Return on Equity (ROE)14.6411%987
Retained earnings to average equity (ytd only)2.6493%3,532
Net charge-offs to loans0.1303%4,931
Credit loss provision to net charge-offs278.5479%1,640
Earnings coverage of net charge-offs (x)20.3498%1,577
Efficiency ratio49.0750%7,727
Assets per employee ($millions)7.1231%669
Cash dividends to net income (ytd only)*81.9053%1,623
Condition Ratios (%)
Loss allowance to loans1.2489%4,159
Loan loss allowance to noncurrent loans80.0478%4,117
Noncurrent assets plus other real estate owned to assets3.6954%1,175
Noncurrent loans to loans1.5601%3,452
Net loans and leases to total assets68.3502%4,400
Net loans and leases to deposits82.5056%4,648
Net loans and leases to core deposits108.0678%3,963
Total domestic deposits to total assets82.8431%3,830
Equity capital to assets10.8893%3,126
Core capital (leverage) ratio9.4504%4,089
Tier 1 risk-based capital ratio11.2583%5,482
Total risk-based capital ratio12.3350%5,536
Memoranda:
Average total assets$336,161,4001,984
Average earning assets$299,921,8002,040
Average equity$36,349,8001,856
Average total loans$232,612,2002,032