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Citizens Bank, Performance and Condition Ratios

2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7139%558
Cost of funding earning assets0.4086%2,022
Net interest margin4.3053%514
Noninterest income to average assets1.9854%380
Noninterest expense to average assets3.1318%800
Loan and lease loss provision to assets0.2493%425
Net operating income to assets2.5498%245
Return on assets (ROA)2.3518%362
Pretax return on assets2.4462%479
Return on Equity (ROE)20.1885%517
Retained earnings to average equity (ytd only)12.0463%1,135
Net charge-offs to loans-0.0082%3,591
Credit loss provision to net charge-offs-3,882.3529%3,684
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.7490%4,020
Assets per employee ($millions)5.1986%3,432
Cash dividends to net income (ytd only)*40.3309%1,376
Condition Ratios (%)
Loss allowance to loans1.2767%2,541
Loan loss allowance to noncurrent loans385.1026%1,437
Noncurrent assets plus other real estate owned to assets0.2903%2,689
Noncurrent loans to loans0.3315%2,905
Net loans and leases to total assets78.0334%464
Net loans and leases to deposits89.4658%729
Net loans and leases to core deposits101.6035%645
Total domestic deposits to total assets87.2215%2,210
Equity capital to assets11.8179%1,379
Core capital (leverage) ratio11.3851%1,482
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2411%1,837
Memoranda:
Average total assets$1,058,937,500914
Average earning assets$993,744,500901
Average equity$123,357,500837
Average total loans$831,671,500786
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9121%585
Cost of funding earning assets0.6749%1,850
Net interest margin4.2373%583
Noninterest income to average assets1.9381%346
Noninterest expense to average assets3.4841%706
Loan and lease loss provision to assets0.5627%385
Net operating income to assets1.8049%384
Return on assets (ROA)1.5979%697
Pretax return on assets1.6430%973
Return on Equity (ROE)13.3142%964
Retained earnings to average equity (ytd only)5.3582%2,114
Net charge-offs to loans0.2292%760
Credit loss provision to net charge-offs331.5569%1,631
Earnings coverage of net charge-offs (x)14.2114%2,227
Efficiency ratio58.8473%3,606
Assets per employee ($millions)5.2051%3,148
Cash dividends to net income (ytd only)*59.7558%1,373
Condition Ratios (%)
Loss allowance to loans1.2150%2,863
Loan loss allowance to noncurrent loans345.9282%1,551
Noncurrent assets plus other real estate owned to assets0.3027%2,783
Noncurrent loans to loans0.3512%2,939
Net loans and leases to total assets77.1371%685
Net loans and leases to deposits92.4509%752
Net loans and leases to core deposits107.5081%585
Total domestic deposits to total assets83.4357%3,283
Equity capital to assets11.4196%1,941
Core capital (leverage) ratio11.0323%1,777
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7015%1,628
Memoranda:
Average total assets$984,047,400895
Average earning assets$919,130,800886
Average equity$118,099,400832
Average total loans$728,512,200851
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0060%596
Cost of funding earning assets0.7291%1,861
Net interest margin4.2770%618
Noninterest income to average assets1.8752%347
Noninterest expense to average assets3.4941%715
Loan and lease loss provision to assets0.6783%328
Net operating income to assets1.6493%647
Return on assets (ROA)1.4602%1,061
Pretax return on assets1.5092%1,429
Return on Equity (ROE)12.0074%1,365
Retained earnings to average equity (ytd only)6.6745%1,821
Net charge-offs to loans0.1102%1,240
Credit loss provision to net charge-offs844.3299%942
Earnings coverage of net charge-offs (x)29.5722%1,597
Efficiency ratio59.2748%3,487
Assets per employee ($millions)5.3071%2,883
Cash dividends to net income (ytd only)*44.4129%1,741
Condition Ratios (%)
Loss allowance to loans1.2764%2,260
Loan loss allowance to noncurrent loans285.4422%1,689
Noncurrent assets plus other real estate owned to assets0.3679%2,678
Noncurrent loans to loans0.4472%2,710
Net loans and leases to total assets77.2120%934
Net loans and leases to deposits94.9299%850
Net loans and leases to core deposits110.3577%690
Total domestic deposits to total assets81.3357%3,582
Equity capital to assets11.4589%2,041
Core capital (leverage) ratio10.9132%1,946
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8490%2,264
Memoranda:
Average total assets$965,898,500899
Average earning assets$902,145,000888
Average equity$117,458,250834
Average total loans$704,368,000861
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2220%541
Cost of funding earning assets0.7991%1,832
Net interest margin4.4229%592
Noninterest income to average assets1.2942%608
Noninterest expense to average assets3.5303%722
Loan and lease loss provision to assets0.7210%374
Net operating income to assets1.1647%1,745
Return on assets (ROA)1.0107%2,409
Pretax return on assets1.0000%3,031
Return on Equity (ROE)8.1357%2,695
Retained earnings to average equity (ytd only)8.1357%1,260
Net charge-offs to loans0.1476%978
Credit loss provision to net charge-offs688.3910%1,011
Earnings coverage of net charge-offs (x)17.9022%1,798
Efficiency ratio65.0316%2,657
Assets per employee ($millions)5.4559%2,685
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.1310%2,873
Loan loss allowance to noncurrent loans239.3386%1,870
Noncurrent assets plus other real estate owned to assets0.3866%2,748
Noncurrent loans to loans0.4725%2,731
Net loans and leases to total assets75.4991%1,206
Net loans and leases to deposits99.3788%588
Net loans and leases to core deposits103.3123%1,046
Total domestic deposits to total assets75.9710%4,432
Equity capital to assets11.3823%2,052
Core capital (leverage) ratio11.3836%1,724
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9921%1,245
Memoranda:
Average total assets$937,594,667904
Average earning assets$871,501,667895
Average equity$116,474,000834
Average total loans$665,210,333885
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0851%820
Cost of funding earning assets0.9381%1,704
Net interest margin4.1470%1,032
Noninterest income to average assets1.0754%732
Noninterest expense to average assets3.5009%936
Loan and lease loss provision to assets0.8185%295
Net operating income to assets0.6200%3,542
Return on assets (ROA)0.4700%4,024
Pretax return on assets0.4346%4,230
Return on Equity (ROE)3.6040%4,068
Retained earnings to average equity (ytd only)3.6040%2,846
Net charge-offs to loans0.1967%696
Credit loss provision to net charge-offs614.2857%783
Earnings coverage of net charge-offs (x)10.5306%1,763
Efficiency ratio71.0563%2,208
Assets per employee ($millions)4.7403%2,942
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.2610%2,333
Loan loss allowance to noncurrent loans169.8251%2,326
Noncurrent assets plus other real estate owned to assets0.5287%2,404
Noncurrent loans to loans0.7425%2,148
Net loans and leases to total assets66.3449%2,776
Net loans and leases to deposits82.9831%2,332
Net loans and leases to core deposits86.5095%2,644
Total domestic deposits to total assets79.9499%3,874
Equity capital to assets12.7631%1,576
Core capital (leverage) ratio12.7825%1,291
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.6028%1,438
Memoranda:
Average total assets$882,626,500930
Average earning assets$814,847,500924
Average equity$115,094,500833
Average total loans$597,854,000944
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3007%816
Cost of funding earning assets1.0811%1,399
Net interest margin4.2196%1,281
Noninterest income to average assets1.9633%269
Noninterest expense to average assets3.6130%843
Loan and lease loss provision to assets0.2733%657
Net operating income to assets1.9988%354
Return on assets (ROA)1.8252%522
Pretax return on assets1.8779%784
Return on Equity (ROE)14.1579%870
Retained earnings to average equity (ytd only)5.4157%2,217
Net charge-offs to loans0.3386%602
Credit loss provision to net charge-offs117.4127%2,151
Earnings coverage of net charge-offs (x)9.9833%2,610
Efficiency ratio60.5782%3,609
Assets per employee ($millions)4.3648%3,422
Cash dividends to net income (ytd only)*61.7479%1,493
Condition Ratios (%)
Loss allowance to loans1.0484%3,223
Loan loss allowance to noncurrent loans147.2501%2,624
Noncurrent assets plus other real estate owned to assets0.5196%2,342
Noncurrent loans to loans0.7120%2,095
Net loans and leases to total assets67.5920%2,740
Net loans and leases to deposits82.0832%2,548
Net loans and leases to core deposits85.3814%2,837
Total domestic deposits to total assets82.3457%3,409
Equity capital to assets13.3315%1,349
Core capital (leverage) ratio12.6707%1,395
Tier 1 risk-based capital ratio16.0250%2,398
Total risk-based capital ratio16.9381%2,444
Memoranda:
Average total assets$873,266,600901
Average earning assets$822,396,200882
Average equity$112,580,200808
Average total loans$600,453,200908
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3220%824
Cost of funding earning assets1.1145%1,290
Net interest margin4.2075%1,362
Noninterest income to average assets2.1782%232
Noninterest expense to average assets3.6302%819
Loan and lease loss provision to assets0.1606%1,164
Net operating income to assets2.2401%254
Return on assets (ROA)2.0119%400
Pretax return on assets2.1254%515
Return on Equity (ROE)15.7378%648
Retained earnings to average equity (ytd only)8.6065%1,169
Net charge-offs to loans0.1303%1,220
Credit loss provision to net charge-offs178.9831%1,437
Earnings coverage of net charge-offs (x)28.0016%1,697
Efficiency ratio58.8304%3,822
Assets per employee ($millions)4.3275%3,444
Cash dividends to net income (ytd only)*45.3130%1,909
Condition Ratios (%)
Loss allowance to loans1.0458%3,315
Loan loss allowance to noncurrent loans112.3455%3,117
Noncurrent assets plus other real estate owned to assets0.6605%2,037
Noncurrent loans to loans0.9309%1,726
Net loans and leases to total assets68.5445%2,699
Net loans and leases to deposits82.7270%2,589
Net loans and leases to core deposits85.7804%2,926
Total domestic deposits to total assets82.8562%3,210
Equity capital to assets13.4062%1,401
Core capital (leverage) ratio12.3809%1,635
Tier 1 risk-based capital ratio15.2188%2,751
Total risk-based capital ratio16.0938%2,851
Memoranda:
Average total assets$876,617,000896
Average earning assets$826,067,500871
Average equity$112,067,000808
Average total loans$603,727,000911
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2619%878
Cost of funding earning assets1.1020%1,292
Net interest margin4.1599%1,460
Noninterest income to average assets2.1013%246
Noninterest expense to average assets3.5469%906
Loan and lease loss provision to assets0.1402%1,322
Net operating income to assets2.2328%248
Return on assets (ROA)2.0363%381
Pretax return on assets2.1556%494
Return on Equity (ROE)16.1866%562
Retained earnings to average equity (ytd only)9.7502%828
Net charge-offs to loans0.1170%1,261
Credit loss provision to net charge-offs174.2938%1,341
Earnings coverage of net charge-offs (x)30.9718%1,438
Efficiency ratio58.4776%3,940
Assets per employee ($millions)4.6951%2,887
Cash dividends to net income (ytd only)*39.7635%2,217
Condition Ratios (%)
Loss allowance to loans0.9548%3,859
Loan loss allowance to noncurrent loans99.3450%3,342
Noncurrent assets plus other real estate owned to assets0.6670%2,054
Noncurrent loans to loans0.9611%1,694
Net loans and leases to total assets68.7425%2,717
Net loans and leases to deposits88.9407%1,872
Net loans and leases to core deposits91.9878%2,422
Total domestic deposits to total assets77.2903%4,524
Equity capital to assets12.4736%1,874
Core capital (leverage) ratio12.0769%1,774
Tier 1 risk-based capital ratio15.7870%2,508
Total risk-based capital ratio16.6795%2,575
Memoranda:
Average total assets$880,325,000890
Average earning assets$833,050,670862
Average equity$110,746,000815
Average total loans$605,130,000907
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2116%888
Cost of funding earning assets1.0478%1,386
Net interest margin4.1638%1,392
Noninterest income to average assets1.7674%295
Noninterest expense to average assets3.4871%984
Loan and lease loss provision to assets0.0941%1,851
Net operating income to assets2.0218%373
Return on assets (ROA)1.9037%474
Pretax return on assets2.0118%629
Return on Equity (ROE)15.0653%734
Retained earnings to average equity (ytd only)9.1213%1,279
Net charge-offs to loans0.0895%1,217
Credit loss provision to net charge-offs153.7879%1,219
Earnings coverage of net charge-offs (x)36.3258%1,214
Efficiency ratio60.7746%3,709
Assets per employee ($millions)4.5827%3,071
Cash dividends to net income (ytd only)*39.4545%1,941
Condition Ratios (%)
Loss allowance to loans0.9631%3,912
Loan loss allowance to noncurrent loans235.0000%1,922
Noncurrent assets plus other real estate owned to assets0.2827%3,468
Noncurrent loans to loans0.4098%3,121
Net loans and leases to total assets68.3078%2,713
Net loans and leases to deposits85.0666%2,247
Net loans and leases to core deposits88.1368%2,666
Total domestic deposits to total assets80.2992%4,116
Equity capital to assets12.5171%1,731
Core capital (leverage) ratio11.8327%1,877
Tier 1 risk-based capital ratio15.1662%2,810
Total risk-based capital ratio16.0539%2,895
Memoranda:
Average total assets$862,720,000907
Average earning assets$816,946,500881
Average equity$109,019,000821
Average total loans$589,980,500931
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0693%907
Cost of funding earning assets0.7717%1,680
Net interest margin4.2976%1,163
Noninterest income to average assets1.6816%342
Noninterest expense to average assets3.4952%998
Loan and lease loss provision to assets0.1176%1,869
Net operating income to assets2.0387%330
Return on assets (ROA)1.8559%495
Pretax return on assets1.9238%673
Return on Equity (ROE)14.8598%860
Retained earnings to average equity (ytd only)7.5888%1,419
Net charge-offs to loans0.0561%2,341
Credit loss provision to net charge-offs299.0854%1,036
Earnings coverage of net charge-offs (x)56.5518%1,061
Efficiency ratio60.8134%3,724
Assets per employee ($millions)4.4262%3,276
Cash dividends to net income (ytd only)*48.9308%2,027
Condition Ratios (%)
Loss allowance to loans1.0184%3,572
Loan loss allowance to noncurrent loans224.0062%2,057
Noncurrent assets plus other real estate owned to assets0.3081%3,332
Noncurrent loans to loans0.4546%2,904
Net loans and leases to total assets67.0798%2,989
Net loans and leases to deposits81.9952%2,732
Net loans and leases to core deposits84.8312%3,012
Total domestic deposits to total assets81.8094%3,692
Equity capital to assets12.7624%1,456
Core capital (leverage) ratio11.8376%1,841
Tier 1 risk-based capital ratio15.1877%2,741
Total risk-based capital ratio16.0866%2,839
Memoranda:
Average total assets$834,029,400915
Average earning assets$783,575,400898
Average equity$104,167,000821
Average total loans$584,600,200921
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0100%932
Cost of funding earning assets0.7208%1,743
Net interest margin4.2892%1,135
Noninterest income to average assets1.7707%333
Noninterest expense to average assets3.5211%959
Loan and lease loss provision to assets0.1274%1,578
Net operating income to assets2.0309%351
Return on assets (ROA)1.8062%598
Pretax return on assets1.9200%786
Return on Equity (ROE)14.5420%972
Retained earnings to average equity (ytd only)7.9604%1,676
Net charge-offs to loans0.0163%2,848
Credit loss provision to net charge-offs1,104.1667%381
Earnings coverage of net charge-offs (x)196.9395%443
Efficiency ratio60.4895%3,745
Assets per employee ($millions)4.3557%3,350
Cash dividends to net income (ytd only)*45.2594%1,803
Condition Ratios (%)
Loss allowance to loans1.0261%3,614
Loan loss allowance to noncurrent loans115.0862%3,218
Noncurrent assets plus other real estate owned to assets0.6135%2,342
Noncurrent loans to loans0.8916%1,914
Net loans and leases to total assets68.1057%2,916
Net loans and leases to deposits85.6349%2,404
Net loans and leases to core deposits88.4358%2,800
Total domestic deposits to total assets79.5302%4,213
Equity capital to assets12.5883%1,525
Core capital (leverage) ratio11.5561%2,134
Tier 1 risk-based capital ratio15.2226%2,775
Total risk-based capital ratio16.1492%2,845
Memoranda:
Average total assets$832,290,750913
Average earning assets$780,451,750898
Average equity$103,376,250827
Average total loans$588,266,750913
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9196%973
Cost of funding earning assets0.6523%1,916
Net interest margin4.2673%1,115
Noninterest income to average assets1.6651%364
Noninterest expense to average assets3.4735%1,032
Loan and lease loss provision to assets0.1708%1,075
Net operating income to assets1.9108%460
Return on assets (ROA)1.6715%773
Pretax return on assets1.7799%1,008
Return on Equity (ROE)13.5185%1,200
Retained earnings to average equity (ytd only)7.5375%1,827
Net charge-offs to loans-0.0057%4,137
Credit loss provision to net charge-offs-4,182.3529%4,738
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0300%3,761
Assets per employee ($millions)4.4823%3,150
Cash dividends to net income (ytd only)*44.2432%1,925
Condition Ratios (%)
Loss allowance to loans0.9694%4,012
Loan loss allowance to noncurrent loans149.0241%2,784
Noncurrent assets plus other real estate owned to assets0.4798%2,842
Noncurrent loans to loans0.6505%2,485
Net loans and leases to total assets72.0343%2,268
Net loans and leases to deposits89.3555%1,927
Net loans and leases to core deposits91.6561%2,429
Total domestic deposits to total assets80.6154%4,097
Equity capital to assets12.4172%1,585
Core capital (leverage) ratio11.3393%2,215
Tier 1 risk-based capital ratio14.6458%3,043
Total risk-based capital ratio15.5561%3,129
Memoranda:
Average total assets$832,406,330913
Average earning assets$779,978,670902
Average equity$102,925,670832
Average total loans$593,530,670903
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7248%1,250
Cost of funding earning assets0.5798%2,175
Net interest margin4.1450%1,315
Noninterest income to average assets1.5447%408
Noninterest expense to average assets3.3933%1,173
Loan and lease loss provision to assets0.1736%1,010
Net operating income to assets1.7606%609
Return on assets (ROA)1.6231%816
Pretax return on assets1.7255%1,053
Return on Equity (ROE)13.1545%1,218
Retained earnings to average equity (ytd only)6.2089%2,623
Net charge-offs to loans-0.0061%4,074
Credit loss provision to net charge-offs-4,011.1111%4,413
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1734%3,748
Assets per employee ($millions)4.4595%3,222
Cash dividends to net income (ytd only)*52.8000%1,456
Condition Ratios (%)
Loss allowance to loans0.9290%4,312
Loan loss allowance to noncurrent loans147.4626%2,775
Noncurrent assets plus other real estate owned to assets0.6941%2,244
Noncurrent loans to loans0.6300%2,657
Net loans and leases to total assets70.2277%2,444
Net loans and leases to deposits85.7566%2,194
Net loans and leases to core deposits89.5961%2,484
Total domestic deposits to total assets81.8919%3,998
Equity capital to assets12.2214%1,651
Core capital (leverage) ratio11.2939%2,171
Tier 1 risk-based capital ratio14.5483%3,098
Total risk-based capital ratio15.4154%3,216
Memoranda:
Average total assets$831,752,500921
Average earning assets$779,637,000904
Average equity$102,626,500831
Average total loans$587,076,500913
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6713%1,254
Cost of funding earning assets0.4388%2,887
Net interest margin4.2326%1,119
Noninterest income to average assets1.5280%456
Noninterest expense to average assets3.3079%1,363
Loan and lease loss provision to assets0.2005%1,031
Net operating income to assets1.8597%366
Return on assets (ROA)1.7193%519
Pretax return on assets1.8434%702
Return on Equity (ROE)14.6410%668
Retained earnings to average equity (ytd only)8.1543%708
Net charge-offs to loans0.0486%2,814
Credit loss provision to net charge-offs613.6691%524
Earnings coverage of net charge-offs (x)66.8094%881
Efficiency ratio59.9075%4,280
Assets per employee ($millions)4.2754%3,530
Cash dividends to net income (ytd only)*44.3047%2,630
Condition Ratios (%)
Loss allowance to loans0.8887%4,531
Loan loss allowance to noncurrent loans166.2258%2,617
Noncurrent assets plus other real estate owned to assets0.6107%2,503
Noncurrent loans to loans0.5346%2,897
Net loans and leases to total assets69.6489%2,575
Net loans and leases to deposits86.1054%2,250
Net loans and leases to core deposits88.5723%2,682
Total domestic deposits to total assets80.8880%4,143
Equity capital to assets12.4246%1,561
Core capital (leverage) ratio11.3621%2,051
Tier 1 risk-based capital ratio15.2157%2,737
Total risk-based capital ratio16.0515%2,871
Memoranda:
Average total assets$850,672,600876
Average earning assets$796,537,400863
Average equity$99,897,800829
Average total loans$571,977,400904
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6554%1,238
Cost of funding earning assets0.4252%2,922
Net interest margin4.2302%1,081
Noninterest income to average assets1.4311%524
Noninterest expense to average assets3.1546%1,666
Loan and lease loss provision to assets0.1573%1,312
Net operating income to assets1.9618%339
Return on assets (ROA)1.8184%460
Pretax return on assets1.9308%633
Return on Equity (ROE)15.7040%558
Retained earnings to average equity (ytd only)11.7864%315
Net charge-offs to loans-0.0243%4,918
Credit loss provision to net charge-offs-972.1154%4,941
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.2378%4,470
Assets per employee ($millions)4.6280%2,937
Cash dividends to net income (ytd only)*24.9465%2,947
Condition Ratios (%)
Loss allowance to loans0.8447%4,778
Loan loss allowance to noncurrent loans146.7859%2,838
Noncurrent assets plus other real estate owned to assets0.6541%2,541
Noncurrent loans to loans0.5755%2,969
Net loans and leases to total assets67.8361%2,863
Net loans and leases to deposits84.5947%2,483
Net loans and leases to core deposits86.8617%2,885
Total domestic deposits to total assets80.1895%4,279
Equity capital to assets12.4778%1,669
Core capital (leverage) ratio11.0044%2,455
Tier 1 risk-based capital ratio15.9252%2,538
Total risk-based capital ratio16.7440%2,662
Memoranda:
Average total assets$857,054,000876
Average earning assets$801,085,500861
Average equity$99,242,000833
Average total loans$570,007,000897
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5598%1,357
Cost of funding earning assets0.3752%3,338
Net interest margin4.1846%1,109
Noninterest income to average assets1.4895%489
Noninterest expense to average assets3.1291%1,769
Loan and lease loss provision to assets0.1464%1,389
Net operating income to assets2.0084%301
Return on assets (ROA)1.8267%443
Pretax return on assets1.9411%599
Return on Equity (ROE)16.1815%505
Retained earnings to average equity (ytd only)12.3572%287
Net charge-offs to loans-0.1065%5,429
Credit loss provision to net charge-offs-208.5809%4,477
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6142%4,647
Assets per employee ($millions)4.7836%2,673
Cash dividends to net income (ytd only)*23.6338%2,989
Condition Ratios (%)
Loss allowance to loans0.8210%4,892
Loan loss allowance to noncurrent loans122.4967%3,186
Noncurrent assets plus other real estate owned to assets0.6841%2,505
Noncurrent loans to loans0.6703%2,743
Net loans and leases to total assets66.1241%3,083
Net loans and leases to deposits81.0334%2,800
Net loans and leases to core deposits83.5698%3,117
Total domestic deposits to total assets81.6011%4,018
Equity capital to assets11.9591%1,960
Core capital (leverage) ratio10.6039%2,810
Tier 1 risk-based capital ratio15.7635%2,596
Total risk-based capital ratio16.5815%2,720
Memoranda:
Average total assets$863,514,670876
Average earning assets$806,487,670864
Average equity$97,481,670852
Average total loans$568,981,000905
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3716%1,746
Cost of funding earning assets0.3700%3,309
Net interest margin4.0015%1,471
Noninterest income to average assets1.3207%590
Noninterest expense to average assets3.0389%2,057
Loan and lease loss provision to assets0.0699%2,410
Net operating income to assets1.8603%399
Return on assets (ROA)1.7048%554
Pretax return on assets1.8023%796
Return on Equity (ROE)15.5538%584
Retained earnings to average equity (ytd only)11.8143%492
Net charge-offs to loans0.0822%1,525
Credit loss provision to net charge-offs129.9145%1,315
Earnings coverage of net charge-offs (x)37.6752%1,071
Efficiency ratio59.5515%4,521
Assets per employee ($millions)4.6922%2,857
Cash dividends to net income (ytd only)*24.0421%2,443
Condition Ratios (%)
Loss allowance to loans0.6790%5,351
Loan loss allowance to noncurrent loans156.2526%2,743
Noncurrent assets plus other real estate owned to assets0.5242%3,139
Noncurrent loans to loans0.4345%3,541
Net loans and leases to total assets64.7781%3,151
Net loans and leases to deposits83.1860%2,374
Net loans and leases to core deposits85.8888%2,727
Total domestic deposits to total assets77.8714%4,981
Equity capital to assets11.4433%2,224
Core capital (leverage) ratio10.3189%3,088
Tier 1 risk-based capital ratio14.7719%3,082
Total risk-based capital ratio15.4115%3,297
Memoranda:
Average total assets$869,532,500873
Average earning assets$813,989,000860
Average equity$95,308,000863
Average total loans$569,624,500909
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8616%3,706
Cost of funding earning assets0.3208%3,839
Net interest margin3.5408%3,283
Noninterest income to average assets1.1221%913
Noninterest expense to average assets2.8392%2,880
Loan and lease loss provision to assets0.1539%1,627
Net operating income to assets1.3706%1,065
Return on assets (ROA)1.3595%1,129
Pretax return on assets1.4483%1,757
Return on Equity (ROE)11.1362%1,529
Retained earnings to average equity (ytd only)5.4963%2,017
Net charge-offs to loans0.1394%1,860
Credit loss provision to net charge-offs173.0882%1,607
Earnings coverage of net charge-offs (x)18.1191%1,985
Efficiency ratio63.7958%3,975
Assets per employee ($millions)5.1731%2,211
Cash dividends to net income (ytd only)*50.6445%2,265
Condition Ratios (%)
Loss allowance to loans0.6366%5,474
Loan loss allowance to noncurrent loans171.6260%2,523
Noncurrent assets plus other real estate owned to assets0.7121%2,594
Noncurrent loans to loans0.3709%3,792
Net loans and leases to total assets65.3654%3,164
Net loans and leases to deposits87.7816%1,952
Net loans and leases to core deposits89.9903%2,499
Total domestic deposits to total assets74.4637%5,408
Equity capital to assets10.5002%3,156
Core capital (leverage) ratio10.9881%2,350
Tier 1 risk-based capital ratio15.8180%2,623
Total risk-based capital ratio16.5081%2,792
Memoranda:
Average total assets$764,696,000942
Average earning assets$718,790,000926
Average equity$93,353,200856
Average total loans$487,805,000993
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9077%3,560
Cost of funding earning assets0.3195%3,874
Net interest margin3.5882%3,117
Noninterest income to average assets1.1758%834
Noninterest expense to average assets2.8212%2,930
Loan and lease loss provision to assets0.1849%1,182
Net operating income to assets1.4573%959
Return on assets (ROA)1.4394%1,040
Pretax return on assets1.5270%1,623
Return on Equity (ROE)11.3110%1,554
Retained earnings to average equity (ytd only)6.3355%1,992
Net charge-offs to loans0.2020%1,157
Credit loss provision to net charge-offs144.8718%1,813
Earnings coverage of net charge-offs (x)13.5370%2,306
Efficiency ratio62.0214%4,227
Assets per employee ($millions)5.3229%2,026
Cash dividends to net income (ytd only)*43.9883%2,186
Condition Ratios (%)
Loss allowance to loans0.7214%5,382
Loan loss allowance to noncurrent loans329.6744%1,502
Noncurrent assets plus other real estate owned to assets0.7063%2,795
Noncurrent loans to loans0.2188%4,483
Net loans and leases to total assets63.6307%3,447
Net loans and leases to deposits92.1187%1,477
Net loans and leases to core deposits93.9004%2,199
Total domestic deposits to total assets69.0747%5,735
Equity capital to assets12.4394%1,815
Core capital (leverage) ratio11.8336%1,789
Tier 1 risk-based capital ratio21.4706%1,199
Total risk-based capital ratio22.3533%1,227
Memoranda:
Average total assets$733,424,750983
Average earning assets$689,418,500967
Average equity$93,334,250858
Average total loans$463,422,5001,050
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8701%3,703
Cost of funding earning assets0.3170%3,938
Net interest margin3.5531%3,283
Noninterest income to average assets1.1022%921
Noninterest expense to average assets2.7683%3,140
Loan and lease loss provision to assets0.0703%2,728
Net operating income to assets1.5081%878
Return on assets (ROA)1.5238%901
Pretax return on assets1.6202%1,308
Return on Equity (ROE)11.8796%1,361
Retained earnings to average equity (ytd only)6.9844%1,612
Net charge-offs to loans0.0163%3,190
Credit loss provision to net charge-offs686.4865%514
Earnings coverage of net charge-offs (x)163.3243%388
Efficiency ratio62.3301%4,293
Assets per employee ($millions)4.9348%2,377
Cash dividends to net income (ytd only)*41.2064%2,360
Condition Ratios (%)
Loss allowance to loans0.7373%5,437
Loan loss allowance to noncurrent loans95.1408%3,803
Noncurrent assets plus other real estate owned to assets0.9067%2,344
Noncurrent loans to loans0.7750%2,810
Net loans and leases to total assets61.8462%3,642
Net loans and leases to deposits88.5352%1,915
Net loans and leases to core deposits90.6692%2,470
Total domestic deposits to total assets69.8549%5,786
Equity capital to assets12.6982%1,661
Core capital (leverage) ratio11.9378%1,675
Tier 1 risk-based capital ratio22.4793%1,080
Total risk-based capital ratio23.3945%1,106
Memoranda:
Average total assets$722,400,330998
Average earning assets$678,904,670983
Average equity$92,663,000861
Average total loans$454,139,3301,070
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8701%3,694
Cost of funding earning assets0.3173%3,980
Net interest margin3.5528%3,262
Noninterest income to average assets0.8637%1,400
Noninterest expense to average assets2.7662%3,196
Loan and lease loss provision to assets0.0548%2,848
Net operating income to assets1.2853%1,290
Return on assets (ROA)1.4232%1,045
Pretax return on assets1.5146%1,539
Return on Equity (ROE)11.0364%1,588
Retained earnings to average equity (ytd only)6.4266%2,178
Net charge-offs to loans0.0080%2,849
Credit loss provision to net charge-offs1,077.7778%352
Earnings coverage of net charge-offs (x)281.1111%213
Efficiency ratio65.9489%3,813
Assets per employee ($millions)4.6392%2,837
Cash dividends to net income (ytd only)*41.7691%2,019
Condition Ratios (%)
Loss allowance to loans0.7366%5,525
Loan loss allowance to noncurrent loans95.3435%3,722
Noncurrent assets plus other real estate owned to assets0.9369%2,369
Noncurrent loans to loans0.7726%2,906
Net loans and leases to total assets62.9749%3,390
Net loans and leases to deposits83.6508%2,347
Net loans and leases to core deposits85.9630%2,753
Total domestic deposits to total assets75.2831%5,492
Equity capital to assets12.9840%1,420
Core capital (leverage) ratio11.8892%1,685
Tier 1 risk-based capital ratio24.3419%885
Total risk-based capital ratio25.3119%896
Memoranda:
Average total assets$708,552,5001,012
Average earning assets$664,270,5001,001
Average equity$91,370,000872
Average total loans$447,533,0001,087
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7784%4,107
Cost of funding earning assets0.2911%4,355
Net interest margin3.4873%3,567
Noninterest income to average assets0.6743%2,323
Noninterest expense to average assets2.6846%3,634
Loan and lease loss provision to assets0.0441%3,447
Net operating income to assets1.1348%1,790
Return on assets (ROA)1.2370%1,483
Pretax return on assets1.3048%2,267
Return on Equity (ROE)9.2627%2,335
Retained earnings to average equity (ytd only)0.3114%5,388
Net charge-offs to loans0.1331%2,031
Credit loss provision to net charge-offs51.8836%3,380
Earnings coverage of net charge-offs (x)14.6524%2,275
Efficiency ratio68.3297%3,503
Assets per employee ($millions)4.6560%2,802
Cash dividends to net income (ytd only)*96.6381%460
Condition Ratios (%)
Loss allowance to loans0.7260%5,593
Loan loss allowance to noncurrent loans94.6921%3,798
Noncurrent assets plus other real estate owned to assets1.0065%2,182
Noncurrent loans to loans0.7667%2,875
Net loans and leases to total assets62.3880%3,504
Net loans and leases to deposits82.9503%2,480
Net loans and leases to core deposits85.4106%2,835
Total domestic deposits to total assets75.2113%5,534
Equity capital to assets12.7990%1,466
Core capital (leverage) ratio12.2893%1,456
Tier 1 risk-based capital ratio24.3762%879
Total risk-based capital ratio25.3324%901
Memoranda:
Average total assets$687,695,8001,003
Average earning assets$641,812,600989
Average equity$91,841,000825
Average total loans$438,914,2001,044
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8098%4,058
Cost of funding earning assets0.2926%4,423
Net interest margin3.5172%3,474
Noninterest income to average assets0.6013%2,732
Noninterest expense to average assets2.5545%4,035
Loan and lease loss provision to assets0.0396%3,419
Net operating income to assets1.2021%1,641
Return on assets (ROA)1.3093%1,367
Pretax return on assets1.3946%2,037
Return on Equity (ROE)9.6992%2,221
Retained earnings to average equity (ytd only)4.2492%3,441
Net charge-offs to loans0.1689%1,471
Credit loss provision to net charge-offs36.6426%3,202
Earnings coverage of net charge-offs (x)12.2400%2,424
Efficiency ratio65.8577%3,913
Assets per employee ($millions)4.4786%3,047
Cash dividends to net income (ytd only)*56.1903%1,588
Condition Ratios (%)
Loss allowance to loans0.7428%5,636
Loan loss allowance to noncurrent loans88.7858%3,939
Noncurrent assets plus other real estate owned to assets1.0660%2,232
Noncurrent loans to loans0.8366%2,880
Net loans and leases to total assets62.4212%3,549
Net loans and leases to deposits82.3039%2,611
Net loans and leases to core deposits85.2821%2,923
Total domestic deposits to total assets75.8423%5,513
Equity capital to assets13.7976%1,103
Core capital (leverage) ratio12.5858%1,365
Tier 1 risk-based capital ratio25.4987%810
Total risk-based capital ratio26.4461%820
Memoranda:
Average total assets$682,692,2501,016
Average earning assets$636,167,7501,007
Average equity$92,156,250830
Average total loans$437,454,0001,050
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8243%3,976
Cost of funding earning assets0.2903%4,504
Net interest margin3.5340%3,361
Noninterest income to average assets0.7021%2,208
Noninterest expense to average assets2.3842%4,601
Loan and lease loss provision to assets0.0242%3,651
Net operating income to assets1.4912%911
Return on assets (ROA)1.5283%900
Pretax return on assets1.6287%1,254
Return on Equity (ROE)11.4043%1,558
Retained earnings to average equity (ytd only)5.9321%2,285
Net charge-offs to loans0.2011%1,253
Credit loss provision to net charge-offs18.6937%3,028
Earnings coverage of net charge-offs (x)12.4437%2,200
Efficiency ratio59.6391%5,029
Assets per employee ($millions)5.0463%2,218
Cash dividends to net income (ytd only)*47.9839%2,023
Condition Ratios (%)
Loss allowance to loans0.7120%5,790
Loan loss allowance to noncurrent loans85.8038%4,054
Noncurrent assets plus other real estate owned to assets1.3069%1,928
Noncurrent loans to loans0.8298%3,049
Net loans and leases to total assets63.0595%3,405
Net loans and leases to deposits83.6186%2,363
Net loans and leases to core deposits86.5827%2,698
Total domestic deposits to total assets75.4132%5,660
Equity capital to assets13.2583%1,271
Core capital (leverage) ratio12.5029%1,382
Tier 1 risk-based capital ratio23.6803%989
Total risk-based capital ratio24.5601%1,016
Memoranda:
Average total assets$684,833,0001,020
Average earning assets$638,647,330998
Average equity$91,772,000838
Average total loans$441,507,0001,046
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7852%4,069
Cost of funding earning assets0.2935%4,513
Net interest margin3.4917%3,473
Noninterest income to average assets0.6886%2,213
Noninterest expense to average assets2.4481%4,455
Loan and lease loss provision to assets0.0153%3,526
Net operating income to assets1.4073%1,020
Return on assets (ROA)1.4821%932
Pretax return on assets1.5769%1,326
Return on Equity (ROE)10.9997%1,635
Retained earnings to average equity (ytd only)5.5130%2,770
Net charge-offs to loans0.3809%646
Credit loss provision to net charge-offs6.1905%2,456
Earnings coverage of net charge-offs (x)6.1143%2,325
Efficiency ratio61.8084%4,828
Assets per employee ($millions)4.8218%2,592
Cash dividends to net income (ytd only)*49.8808%1,741
Condition Ratios (%)
Loss allowance to loans0.6950%5,913
Loan loss allowance to noncurrent loans94.0253%3,826
Noncurrent assets plus other real estate owned to assets1.4889%1,767
Noncurrent loans to loans0.7391%3,413
Net loans and leases to total assets64.5724%3,013
Net loans and leases to deposits85.1988%1,930
Net loans and leases to core deposits88.5408%2,266
Total domestic deposits to total assets75.7903%5,761
Equity capital to assets13.3708%1,231
Core capital (leverage) ratio12.6760%1,278
Tier 1 risk-based capital ratio23.3157%1,072
Total risk-based capital ratio24.1874%1,100
Memoranda:
Average total assets$679,056,0001,029
Average earning assets$636,375,0001,006
Average equity$91,493,500842
Average total loans$441,117,0001,049
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0548%3,507
Cost of funding earning assets0.3365%4,409
Net interest margin3.7183%2,942
Noninterest income to average assets0.6876%2,357
Noninterest expense to average assets2.5140%4,499
Loan and lease loss provision to assets-0.0663%6,080
Net operating income to assets1.5930%712
Return on assets (ROA)1.6121%727
Pretax return on assets1.7178%950
Return on Equity (ROE)11.6367%1,513
Retained earnings to average equity (ytd only)0.9076%5,375
Net charge-offs to loans0.2334%1,809
Credit loss provision to net charge-offs-44.9108%5,410
Earnings coverage of net charge-offs (x)11.0546%2,551
Efficiency ratio60.6477%5,125
Assets per employee ($millions)4.5794%2,906
Cash dividends to net income (ytd only)*92.2006%530
Condition Ratios (%)
Loss allowance to loans0.8090%5,748
Loan loss allowance to noncurrent loans43.8257%5,263
Noncurrent assets plus other real estate owned to assets1.6207%1,666
Noncurrent loans to loans1.8459%1,546
Net loans and leases to total assets64.3694%3,164
Net loans and leases to deposits85.0663%2,090
Net loans and leases to core deposits88.6880%2,421
Total domestic deposits to total assets75.6696%5,790
Equity capital to assets13.5797%1,122
Core capital (leverage) ratio12.4321%1,384
Tier 1 risk-based capital ratio27.6469%635
Total risk-based capital ratio28.8250%624
Memoranda:
Average total assets$645,823,6001,040
Average earning assets$600,549,6001,022
Average equity$89,466,600823
Average total loans$408,268,2001,075
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1158%3,316
Cost of funding earning assets0.3418%4,439
Net interest margin3.7740%2,716
Noninterest income to average assets0.6871%2,394
Noninterest expense to average assets2.4969%4,536
Loan and lease loss provision to assets0.0075%4,268
Net operating income to assets1.5750%802
Return on assets (ROA)1.5965%791
Pretax return on assets1.7036%1,058
Return on Equity (ROE)11.4655%1,640
Retained earnings to average equity (ytd only)5.8322%2,513
Net charge-offs to loans0.0959%2,849
Credit loss provision to net charge-offs12.4567%3,677
Earnings coverage of net charge-offs (x)28.0453%1,432
Efficiency ratio59.6626%5,230
Assets per employee ($millions)4.4442%3,061
Cash dividends to net income (ytd only)*49.1325%1,878
Condition Ratios (%)
Loss allowance to loans1.1147%4,685
Loan loss allowance to noncurrent loans52.5136%5,054
Noncurrent assets plus other real estate owned to assets1.7996%1,653
Noncurrent loans to loans2.1226%1,471
Net loans and leases to total assets62.9815%3,345
Net loans and leases to deposits82.8216%2,317
Net loans and leases to core deposits85.9643%2,672
Total domestic deposits to total assets76.0447%5,809
Equity capital to assets14.3351%898
Core capital (leverage) ratio13.4086%1,028
Tier 1 risk-based capital ratio27.5856%670
Total risk-based capital ratio28.8386%652
Memoranda:
Average total assets$640,130,5001,060
Average earning assets$593,305,0001,039
Average equity$89,135,000826
Average total loans$401,865,0001,090
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1500%3,147
Cost of funding earning assets0.3479%4,456
Net interest margin3.8021%2,567
Noninterest income to average assets0.6625%2,470
Noninterest expense to average assets2.5098%4,550
Loan and lease loss provision to assets0.0066%4,104
Net operating income to assets1.5421%811
Return on assets (ROA)1.5623%807
Pretax return on assets1.6714%1,082
Return on Equity (ROE)11.3341%1,621
Retained earnings to average equity (ytd only)5.6031%2,577
Net charge-offs to loans0.1229%2,443
Credit loss provision to net charge-offs8.6066%3,316
Earnings coverage of net charge-offs (x)21.5779%1,536
Efficiency ratio60.2431%5,261
Assets per employee ($millions)4.2529%3,361
Cash dividends to net income (ytd only)*50.5638%1,904
Condition Ratios (%)
Loss allowance to loans1.1885%4,474
Loan loss allowance to noncurrent loans51.4210%5,116
Noncurrent assets plus other real estate owned to assets1.8876%1,716
Noncurrent loans to loans2.3114%1,399
Net loans and leases to total assets60.4318%3,647
Net loans and leases to deposits77.6082%2,849
Net loans and leases to core deposits80.1484%3,192
Total domestic deposits to total assets77.8679%5,660
Equity capital to assets14.2082%898
Core capital (leverage) ratio13.6451%934
Tier 1 risk-based capital ratio26.9786%701
Total risk-based capital ratio28.2316%690
Memoranda:
Average total assets$635,741,6701,062
Average earning assets$585,826,6701,053
Average equity$87,629,670833
Average total loans$397,122,0001,099
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1691%2,992
Cost of funding earning assets0.3558%4,482
Net interest margin3.8133%2,413
Noninterest income to average assets0.6722%2,334
Noninterest expense to average assets2.4790%4,687
Loan and lease loss provision to assets0.0006%3,816
Net operating income to assets1.5926%674
Return on assets (ROA)1.5962%700
Pretax return on assets1.7075%963
Return on Equity (ROE)11.7638%1,472
Retained earnings to average equity (ytd only)5.9099%2,585
Net charge-offs to loans0.0481%2,712
Credit loss provision to net charge-offs2.0833%2,673
Earnings coverage of net charge-offs (x)56.1458%692
Efficiency ratio59.2593%5,503
Assets per employee ($millions)4.2034%3,518
Cash dividends to net income (ytd only)*49.7623%1,698
Condition Ratios (%)
Loss allowance to loans1.2918%4,167
Loan loss allowance to noncurrent loans71.5193%4,450
Noncurrent assets plus other real estate owned to assets1.7645%1,991
Noncurrent loans to loans1.8062%2,130
Net loans and leases to total assets59.1000%3,683
Net loans and leases to deposits71.9658%3,339
Net loans and leases to core deposits74.4206%3,604
Total domestic deposits to total assets82.1224%4,902
Equity capital to assets14.0742%894
Core capital (leverage) ratio13.3831%1,012
Tier 1 risk-based capital ratio26.5698%743
Total risk-based capital ratio27.8235%731
Memoranda:
Average total assets$632,516,0001,075
Average earning assets$582,385,0001,066
Average equity$85,822,500854
Average total loans$399,304,5001,101
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3512%2,768
Cost of funding earning assets0.4046%4,595
Net interest margin3.9466%2,114
Noninterest income to average assets0.5394%3,484
Noninterest expense to average assets2.5327%4,665
Loan and lease loss provision to assets-0.0745%6,439
Net operating income to assets1.6228%662
Return on assets (ROA)1.6520%645
Pretax return on assets1.7601%834
Return on Equity (ROE)11.5974%1,556
Retained earnings to average equity (ytd only)0.4822%5,627
Net charge-offs to loans0.1105%3,723
Credit loss provision to net charge-offs-102.6144%5,888
Earnings coverage of net charge-offs (x)22.7756%1,438
Efficiency ratio60.4868%5,410
Assets per employee ($millions)4.2867%3,298
Cash dividends to net income (ytd only)*95.8421%510
Condition Ratios (%)
Loss allowance to loans1.1546%4,886
Loan loss allowance to noncurrent loans84.6340%4,037
Noncurrent assets plus other real estate owned to assets1.3522%2,721
Noncurrent loans to loans1.3642%2,857
Net loans and leases to total assets65.5566%2,761
Net loans and leases to deposits82.5526%2,123
Net loans and leases to core deposits85.2466%2,537
Total domestic deposits to total assets79.4119%5,573
Equity capital to assets13.0725%1,240
Core capital (leverage) ratio12.8749%1,190
Tier 1 risk-based capital ratio26.4655%736
Total risk-based capital ratio27.7196%714
Memoranda:
Average total assets$631,849,6001,058
Average earning assets$584,020,6001,049
Average equity$90,003,200783
Average total loans$415,543,2001,027
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3525%2,773
Cost of funding earning assets0.4157%4,667
Net interest margin3.9368%2,156
Noninterest income to average assets0.4989%3,811
Noninterest expense to average assets2.4557%4,858
Loan and lease loss provision to assets0.0127%4,746
Net operating income to assets1.5735%789
Return on assets (ROA)1.6083%783
Pretax return on assets1.6902%1,119
Return on Equity (ROE)11.0602%1,796
Retained earnings to average equity (ytd only)11.0602%566
Net charge-offs to loans0.1319%3,221
Credit loss provision to net charge-offs14.6699%4,153
Earnings coverage of net charge-offs (x)19.2543%1,637
Efficiency ratio59.5760%5,488
Assets per employee ($millions)4.2678%3,290
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.2834%4,479
Loan loss allowance to noncurrent loans83.5037%3,942
Noncurrent assets plus other real estate owned to assets1.5213%2,651
Noncurrent loans to loans1.5369%2,863
Net loans and leases to total assets66.1882%2,609
Net loans and leases to deposits85.7856%1,640
Net loans and leases to core deposits88.6798%2,115
Total domestic deposits to total assets77.1554%6,029
Equity capital to assets14.4452%838
Core capital (leverage) ratio14.5330%725
Tier 1 risk-based capital ratio28.1251%626
Total risk-based capital ratio29.3810%612
Memoranda:
Average total assets$630,131,0001,069
Average earning assets$579,910,2501,060
Average equity$91,629,750771
Average total loans$413,524,7501,032
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4042%2,551
Cost of funding earning assets0.4271%4,684
Net interest margin3.9772%1,938
Noninterest income to average assets0.4820%3,952
Noninterest expense to average assets2.4810%4,802
Loan and lease loss provision to assets0.0060%4,717
Net operating income to assets1.5590%805
Return on assets (ROA)1.6014%819
Pretax return on assets1.6832%1,151
Return on Equity (ROE)10.9881%1,811
Retained earnings to average equity (ytd only)10.9881%645
Net charge-offs to loans0.1378%3,001
Credit loss provision to net charge-offs6.7376%3,936
Earnings coverage of net charge-offs (x)18.3191%1,559
Efficiency ratio60.1358%5,469
Assets per employee ($millions)4.0740%3,639
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.4081%4,000
Loan loss allowance to noncurrent loans143.0999%2,621
Noncurrent assets plus other real estate owned to assets1.2899%3,189
Noncurrent loans to loans0.9840%3,970
Net loans and leases to total assets63.2599%3,053
Net loans and leases to deposits78.1758%2,548
Net loans and leases to core deposits80.7704%2,942
Total domestic deposits to total assets80.9200%5,359
Equity capital to assets14.8036%754
Core capital (leverage) ratio14.0435%812
Tier 1 risk-based capital ratio27.8160%639
Total risk-based capital ratio29.0728%629
Memoranda:
Average total assets$628,206,3301,069
Average earning assets$575,536,0001,062
Average equity$91,553,670773
Average total loans$409,244,3301,036
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4273%2,433
Cost of funding earning assets0.4304%4,803
Net interest margin3.9969%1,800
Noninterest income to average assets0.3283%5,077
Noninterest expense to average assets2.4199%5,061
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.5065%847
Return on assets (ROA)1.5377%865
Pretax return on assets1.6164%1,265
Return on Equity (ROE)10.6322%1,825
Retained earnings to average equity (ytd only)10.6322%954
Net charge-offs to loans0.0259%3,668
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)93.0741%411
Efficiency ratio60.4439%5,525
Assets per employee ($millions)4.1235%3,691
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.4162%4,156
Loan loss allowance to noncurrent loans157.3174%2,297
Noncurrent assets plus other real estate owned to assets1.3366%3,287
Noncurrent loans to loans0.9002%4,336
Net loans and leases to total assets65.2077%2,512
Net loans and leases to deposits79.1832%2,189
Net loans and leases to core deposits81.8717%2,586
Total domestic deposits to total assets82.3504%5,077
Equity capital to assets14.9714%763
Core capital (leverage) ratio13.3742%984
Tier 1 risk-based capital ratio26.9819%712
Total risk-based capital ratio28.2396%697
Memoranda:
Average total assets$634,725,0001,076
Average earning assets$583,649,5001,063
Average equity$91,797,000779
Average total loans$416,510,0001,026
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6231%2,906
Cost of funding earning assets0.5268%5,014
Net interest margin4.0963%2,020
Noninterest income to average assets0.8468%2,053
Noninterest expense to average assets2.4858%5,149
Loan and lease loss provision to assets0.1857%3,317
Net operating income to assets1.7854%524
Return on assets (ROA)1.8043%567
Pretax return on assets1.9151%729
Return on Equity (ROE)13.0191%1,218
Retained earnings to average equity (ytd only)6.6717%1,734
Net charge-offs to loans0.6802%1,735
Credit loss provision to net charge-offs41.5266%4,909
Earnings coverage of net charge-offs (x)4.6523%3,298
Efficiency ratio54.4373%6,219
Assets per employee ($millions)4.2268%3,496
Cash dividends to net income (ytd only)*48.7547%2,371
Condition Ratios (%)
Loss allowance to loans1.3732%4,293
Loan loss allowance to noncurrent loans235.9546%1,600
Noncurrent assets plus other real estate owned to assets1.2919%3,493
Noncurrent loans to loans0.5820%5,073
Net loans and leases to total assets64.2284%2,867
Net loans and leases to deposits83.4577%1,820
Net loans and leases to core deposits85.7818%2,340
Total domestic deposits to total assets76.9593%6,232
Equity capital to assets13.9789%1,052
Core capital (leverage) ratio12.1884%1,457
Tier 1 risk-based capital ratio25.9656%774
Total risk-based capital ratio27.2287%762
Memoranda:
Average total assets$638,624,6001,035
Average earning assets$579,890,4001,046
Average equity$88,508,400785
Average total loans$419,874,400998
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6303%3,098
Cost of funding earning assets0.5518%5,071
Net interest margin4.0784%2,180
Noninterest income to average assets0.9424%1,697
Noninterest expense to average assets2.4302%5,307
Loan and lease loss provision to assets0.2320%2,719
Net operating income to assets1.8409%526
Return on assets (ROA)1.8614%575
Pretax return on assets1.9890%712
Return on Equity (ROE)13.4608%1,234
Retained earnings to average equity (ytd only)13.4608%354
Net charge-offs to loans0.8890%1,228
Credit loss provision to net charge-offs39.5990%4,628
Earnings coverage of net charge-offs (x)3.7533%3,527
Efficiency ratio52.4947%6,404
Assets per employee ($millions)4.2709%3,332
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.3728%4,486
Loan loss allowance to noncurrent loans266.7279%1,379
Noncurrent assets plus other real estate owned to assets1.3232%3,643
Noncurrent loans to loans0.5147%5,410
Net loans and leases to total assets61.7925%3,426
Net loans and leases to deposits84.3776%1,824
Net loans and leases to core deposits87.4473%2,286
Total domestic deposits to total assets73.2332%6,663
Equity capital to assets13.8466%1,218
Core capital (leverage) ratio13.1362%1,137
Tier 1 risk-based capital ratio26.8119%756
Total risk-based capital ratio28.0790%738
Memoranda:
Average total assets$635,549,5001,046
Average earning assets$574,552,0001,054
Average equity$87,887,500794
Average total loans$418,868,0001,002
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7079%2,880
Cost of funding earning assets0.5835%5,042
Net interest margin4.1244%1,992
Noninterest income to average assets0.9199%1,713
Noninterest expense to average assets2.5010%5,133
Loan and lease loss provision to assets0.0678%4,783
Net operating income to assets1.9271%440
Return on assets (ROA)1.9426%493
Pretax return on assets2.0830%593
Return on Equity (ROE)14.0544%1,101
Retained earnings to average equity (ytd only)14.0544%342
Net charge-offs to loans0.6500%1,697
Credit loss provision to net charge-offs15.5490%4,673
Earnings coverage of net charge-offs (x)4.8946%2,962
Efficiency ratio53.9581%6,319
Assets per employee ($millions)3.8646%4,156
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.5667%3,716
Loan loss allowance to noncurrent loans74.4981%4,007
Noncurrent assets plus other real estate owned to assets2.3311%2,396
Noncurrent loans to loans2.1030%2,819
Net loans and leases to total assets64.0713%3,017
Net loans and leases to deposits79.7458%2,416
Net loans and leases to core deposits82.7323%2,866
Total domestic deposits to total assets80.3444%5,651
Equity capital to assets14.4310%939
Core capital (leverage) ratio13.0606%1,133
Tier 1 risk-based capital ratio25.7242%832
Total risk-based capital ratio26.9834%815
Memoranda:
Average total assets$622,463,6701,067
Average earning assets$560,716,6701,087
Average equity$86,037,330803
Average total loans$417,562,6701,004
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6954%3,071
Cost of funding earning assets0.6036%5,094
Net interest margin4.0919%2,125
Noninterest income to average assets1.0370%1,342
Noninterest expense to average assets2.4742%5,237
Loan and lease loss provision to assets0.1356%3,652
Net operating income to assets2.0115%409
Return on assets (ROA)2.0309%455
Pretax return on assets2.1632%575
Return on Equity (ROE)15.0236%968
Retained earnings to average equity (ytd only)15.0236%447
Net charge-offs to loans0.2293%2,781
Credit loss provision to net charge-offs86.8313%2,608
Earnings coverage of net charge-offs (x)14.5926%1,459
Efficiency ratio52.0616%6,536
Assets per employee ($millions)4.1332%3,721
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.7554%3,144
Loan loss allowance to noncurrent loans84.2730%3,536
Noncurrent assets plus other real estate owned to assets2.2193%2,674
Noncurrent loans to loans2.0830%3,050
Net loans and leases to total assets65.5830%2,549
Net loans and leases to deposits81.5803%1,989
Net loans and leases to core deposits84.2490%2,519
Total domestic deposits to total assets80.3908%5,752
Equity capital to assets13.5291%1,228
Core capital (leverage) ratio12.3987%1,386
Tier 1 risk-based capital ratio24.5593%944
Total risk-based capital ratio25.8267%929
Memoranda:
Average total assets$622,593,5001,068
Average earning assets$565,317,5001,079
Average equity$84,161,000816
Average total loans$423,844,500986
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9316%3,197
Cost of funding earning assets0.8126%4,771
Net interest margin4.1190%2,354
Noninterest income to average assets0.7822%2,153
Noninterest expense to average assets2.5329%5,342
Loan and lease loss provision to assets0.5958%1,738
Net operating income to assets1.3250%1,186
Return on assets (ROA)1.4674%969
Pretax return on assets1.5708%1,275
Return on Equity (ROE)11.2000%1,648
Retained earnings to average equity (ytd only)5.0537%2,600
Net charge-offs to loans0.9200%1,883
Credit loss provision to net charge-offs91.5479%3,941
Earnings coverage of net charge-offs (x)3.0937%3,659
Efficiency ratio55.6835%6,354
Assets per employee ($millions)3.9269%4,017
Cash dividends to net income (ytd only)*54.8780%1,799
Condition Ratios (%)
Loss allowance to loans1.7718%2,960
Loan loss allowance to noncurrent loans61.6695%4,429
Noncurrent assets plus other real estate owned to assets2.6617%2,289
Noncurrent loans to loans2.8731%2,274
Net loans and leases to total assets68.2294%2,347
Net loans and leases to deposits83.2282%2,035
Net loans and leases to core deposits86.0728%2,624
Total domestic deposits to total assets81.9787%5,134
Equity capital to assets13.5060%1,260
Core capital (leverage) ratio12.6592%1,284
Tier 1 risk-based capital ratio23.5506%1,021
Total risk-based capital ratio24.8140%1,002
Memoranda:
Average total assets$603,530,4001,085
Average earning assets$551,539,8001,079
Average equity$79,071,200851
Average total loans$426,969,200980
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9128%3,497
Cost of funding earning assets0.8589%4,711
Net interest margin4.0539%2,677
Noninterest income to average assets0.9343%1,534
Noninterest expense to average assets2.5444%5,303
Loan and lease loss provision to assets0.5311%1,861
Net operating income to assets1.4373%1,084
Return on assets (ROA)1.6206%820
Pretax return on assets1.7561%1,027
Return on Equity (ROE)12.4666%1,424
Retained earnings to average equity (ytd only)12.4666%439
Net charge-offs to loans0.5417%2,613
Credit loss provision to net charge-offs137.9528%2,311
Earnings coverage of net charge-offs (x)5.4232%2,794
Efficiency ratio54.8891%6,398
Assets per employee ($millions)3.9197%4,034
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.0591%2,180
Loan loss allowance to noncurrent loans66.2372%4,141
Noncurrent assets plus other real estate owned to assets2.8906%2,239
Noncurrent loans to loans3.1086%2,232
Net loans and leases to total assets67.7249%2,529
Net loans and leases to deposits81.2873%2,489
Net loans and leases to core deposits84.4698%2,989
Total domestic deposits to total assets83.3154%4,553
Equity capital to assets14.2676%1,062
Core capital (leverage) ratio13.1343%1,177
Tier 1 risk-based capital ratio24.3282%976
Total risk-based capital ratio25.5952%960
Memoranda:
Average total assets$602,245,5001,093
Average earning assets$549,379,5001,090
Average equity$78,287,250867
Average total loans$428,015,750989
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8854%3,684
Cost of funding earning assets0.8992%4,681
Net interest margin3.9862%2,907
Noninterest income to average assets1.0440%1,209
Noninterest expense to average assets2.4527%5,695
Loan and lease loss provision to assets0.3200%2,867
Net operating income to assets1.7830%522
Return on assets (ROA)1.8061%530
Pretax return on assets1.9414%652
Return on Equity (ROE)14.3542%906
Retained earnings to average equity (ytd only)14.3542%288
Net charge-offs to loans0.7536%1,991
Credit loss provision to net charge-offs59.2162%4,357
Earnings coverage of net charge-offs (x)4.1390%2,951
Efficiency ratio52.2475%6,769
Assets per employee ($millions)3.9774%3,799
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.6897%3,363
Loan loss allowance to noncurrent loans62.4738%4,319
Noncurrent assets plus other real estate owned to assets2.8555%2,351
Noncurrent loans to loans2.7046%2,690
Net loans and leases to total assets68.4284%2,530
Net loans and leases to deposits83.9422%2,117
Net loans and leases to core deposits87.0994%2,752
Total domestic deposits to total assets81.5185%5,344
Equity capital to assets13.2575%1,404
Core capital (leverage) ratio12.7541%1,267
Tier 1 risk-based capital ratio23.3996%1,074
Total risk-based capital ratio24.6612%1,056
Memoranda:
Average total assets$604,395,3301,099
Average earning assets$552,711,0001,094
Average equity$76,047,670888
Average total loans$433,359,330993
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8310%3,908
Cost of funding earning assets0.9572%4,511
Net interest margin3.8738%3,277
Noninterest income to average assets1.3973%667
Noninterest expense to average assets2.4678%5,681
Loan and lease loss provision to assets0.2922%2,820
Net operating income to assets2.0428%326
Return on assets (ROA)2.0428%341
Pretax return on assets2.1796%413
Return on Equity (ROE)16.6872%609
Retained earnings to average equity (ytd only)16.6872%300
Net charge-offs to loans0.7356%1,746
Credit loss provision to net charge-offs54.5906%3,658
Earnings coverage of net charge-offs (x)4.6179%2,430
Efficiency ratio49.8521%6,995
Assets per employee ($millions)4.0497%3,741
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.7405%3,210
Loan loss allowance to noncurrent loans54.2170%4,754
Noncurrent assets plus other real estate owned to assets2.9076%2,373
Noncurrent loans to loans3.2103%2,336
Net loans and leases to total assets68.8424%2,369
Net loans and leases to deposits81.5592%2,437
Net loans and leases to core deposits84.7187%3,065
Total domestic deposits to total assets84.4080%4,322
Equity capital to assets12.4279%1,663
Core capital (leverage) ratio12.4600%1,341
Tier 1 risk-based capital ratio22.1193%1,208
Total risk-based capital ratio23.3809%1,183
Memoranda:
Average total assets$602,324,5001,111
Average earning assets$550,774,5001,108
Average equity$73,733,000910
Average total loans$438,254,500994
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3140%3,061
Cost of funding earning assets1.2116%4,483
Net interest margin4.1024%2,549
Noninterest income to average assets0.4219%4,728
Noninterest expense to average assets2.5231%5,708
Loan and lease loss provision to assets0.4266%3,554
Net operating income to assets1.1755%1,473
Return on assets (ROA)1.1805%1,534
Pretax return on assets1.2596%2,045
Return on Equity (ROE)9.6493%2,055
Retained earnings to average equity (ytd only)4.5232%2,705
Net charge-offs to loans0.3523%4,258
Credit loss provision to net charge-offs164.2627%2,102
Earnings coverage of net charge-offs (x)6.4720%2,353
Efficiency ratio58.3181%6,302
Assets per employee ($millions)3.9808%3,825
Cash dividends to net income (ytd only)*53.1237%1,928
Condition Ratios (%)
Loss allowance to loans1.7459%3,050
Loan loss allowance to noncurrent loans73.2079%3,806
Noncurrent assets plus other real estate owned to assets2.2298%3,055
Noncurrent loans to loans2.3849%3,134
Net loans and leases to total assets74.2239%1,612
Net loans and leases to deposits87.2484%1,905
Net loans and leases to core deposits90.5222%2,688
Total domestic deposits to total assets85.0719%3,816
Equity capital to assets12.0491%1,888
Core capital (leverage) ratio11.8844%1,626
Tier 1 risk-based capital ratio19.9450%1,497
Total risk-based capital ratio21.2065%1,465
Memoranda:
Average total assets$597,949,8001,122
Average earning assets$551,259,8001,100
Average equity$73,155,400913
Average total loans$440,831,6001,020
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2937%3,382
Cost of funding earning assets1.2538%4,547
Net interest margin4.0399%2,909
Noninterest income to average assets0.4112%4,868
Noninterest expense to average assets2.4485%5,887
Loan and lease loss provision to assets0.4224%3,373
Net operating income to assets1.1596%1,707
Return on assets (ROA)1.1656%1,785
Pretax return on assets1.2580%2,310
Return on Equity (ROE)9.4918%2,320
Retained earnings to average equity (ytd only)9.4918%914
Net charge-offs to loans0.3383%3,953
Credit loss provision to net charge-offs170.3770%2,180
Earnings coverage of net charge-offs (x)6.7522%2,459
Efficiency ratio57.4899%6,345
Assets per employee ($millions)3.9903%3,856
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.6905%3,178
Loan loss allowance to noncurrent loans133.9377%2,118
Noncurrent assets plus other real estate owned to assets1.4082%4,341
Noncurrent loans to loans1.2622%4,742
Net loans and leases to total assets72.9551%2,020
Net loans and leases to deposits89.2995%1,825
Net loans and leases to core deposits92.3816%2,744
Total domestic deposits to total assets81.6972%5,121
Equity capital to assets12.9469%1,606
Core capital (leverage) ratio12.3634%1,473
Tier 1 risk-based capital ratio19.9052%1,570
Total risk-based capital ratio21.1652%1,535
Memoranda:
Average total assets$599,152,7501,126
Average earning assets$550,401,5001,105
Average equity$73,577,250901
Average total loans$439,021,2501,028
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3143%3,396
Cost of funding earning assets1.2993%4,547
Net interest margin4.0150%2,947
Noninterest income to average assets0.2755%5,945
Noninterest expense to average assets2.4951%5,734
Loan and lease loss provision to assets0.3751%3,465
Net operating income to assets1.0039%2,184
Return on assets (ROA)1.0092%2,233
Pretax return on assets1.0860%2,824
Return on Equity (ROE)8.3723%2,726
Retained earnings to average equity (ytd only)8.3723%1,303
Net charge-offs to loans0.4682%3,138
Credit loss provision to net charge-offs109.8135%3,710
Earnings coverage of net charge-offs (x)4.2610%3,008
Efficiency ratio61.1658%5,827
Assets per employee ($millions)3.8080%4,206
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.5772%3,548
Loan loss allowance to noncurrent loans125.1355%2,232
Noncurrent assets plus other real estate owned to assets1.6322%3,991
Noncurrent loans to loans1.2604%4,859
Net loans and leases to total assets72.2851%2,330
Net loans and leases to deposits87.5363%2,252
Net loans and leases to core deposits91.0151%3,122
Total domestic deposits to total assets82.5773%4,753
Equity capital to assets12.4196%1,853
Core capital (leverage) ratio11.9199%1,690
Tier 1 risk-based capital ratio19.2533%1,663
Total risk-based capital ratio20.5112%1,624
Memoranda:
Average total assets$596,694,0001,136
Average earning assets$546,146,6701,117
Average equity$71,927,330919
Average total loans$435,327,3301,042
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3359%3,363
Cost of funding earning assets1.3358%4,591
Net interest margin4.0001%2,873
Noninterest income to average assets0.1946%6,571
Noninterest expense to average assets2.5545%5,534
Loan and lease loss provision to assets0.2355%4,157
Net operating income to assets1.0114%2,139
Return on assets (ROA)1.0159%2,190
Pretax return on assets1.0703%2,838
Return on Equity (ROE)8.5578%2,644
Retained earnings to average equity (ytd only)8.5578%1,519
Net charge-offs to loans0.2224%3,601
Credit loss provision to net charge-offs145.6432%2,440
Earnings coverage of net charge-offs (x)8.0456%1,997
Efficiency ratio64.2012%5,458
Assets per employee ($millions)3.8212%4,269
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.6159%3,376
Loan loss allowance to noncurrent loans58.9260%4,430
Noncurrent assets plus other real estate owned to assets3.3303%2,141
Noncurrent loans to loans2.7422%2,904
Net loans and leases to total assets71.2901%2,622
Net loans and leases to deposits84.0717%2,927
Net loans and leases to core deposits87.0081%3,751
Total domestic deposits to total assets84.7968%3,760
Equity capital to assets12.0751%2,001
Core capital (leverage) ratio11.6719%1,815
Tier 1 risk-based capital ratio18.7647%1,779
Total risk-based capital ratio20.0224%1,741
Memoranda:
Average total assets$596,115,5001,161
Average earning assets$545,585,0001,153
Average equity$70,765,500934
Average total loans$433,450,0001,077
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3275%5,038
Cost of funding earning assets1.6193%4,942
Net interest margin3.7082%4,099
Noninterest income to average assets0.5393%4,116
Noninterest expense to average assets2.4894%6,172
Loan and lease loss provision to assets1.1808%1,952
Net operating income to assets0.2555%4,700
Return on assets (ROA)0.2634%4,754
Pretax return on assets0.2703%4,844
Return on Equity (ROE)2.3496%4,767
Retained earnings to average equity (ytd only)0.9116%4,386
Net charge-offs to loans1.4995%1,672
Credit loss provision to net charge-offs108.5655%5,099
Earnings coverage of net charge-offs (x)1.3268%4,804
Efficiency ratio61.3780%6,267
Assets per employee ($millions)3.8458%4,157
Cash dividends to net income (ytd only)*61.1995%1,948
Condition Ratios (%)
Loss allowance to loans1.5592%3,439
Loan loss allowance to noncurrent loans46.9298%5,254
Noncurrent assets plus other real estate owned to assets3.5586%1,878
Noncurrent loans to loans3.3224%2,295
Net loans and leases to total assets71.8231%2,798
Net loans and leases to deposits88.1372%2,537
Net loans and leases to core deposits109.2263%2,979
Total domestic deposits to total assets81.4901%5,158
Equity capital to assets11.6697%2,205
Core capital (leverage) ratio11.6439%1,844
Tier 1 risk-based capital ratio17.8327%1,932
Total risk-based capital ratio19.0895%1,889
Memoranda:
Average total assets$620,435,0001,116
Average earning assets$567,710,2001,111
Average equity$69,545,200938
Average total loans$450,017,6001,064
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3446%5,201
Cost of funding earning assets1.6799%5,000
Net interest margin3.6646%4,222
Noninterest income to average assets0.4966%4,513
Noninterest expense to average assets2.3914%6,441
Loan and lease loss provision to assets0.7031%2,625
Net operating income to assets0.6713%3,310
Return on assets (ROA)0.6808%3,337
Pretax return on assets0.7622%3,659
Return on Equity (ROE)6.1337%3,472
Retained earnings to average equity (ytd only)6.1337%1,886
Net charge-offs to loans0.8198%2,327
Credit loss provision to net charge-offs118.4135%4,285
Earnings coverage of net charge-offs (x)2.4498%4,009
Efficiency ratio60.2217%6,383
Assets per employee ($millions)3.7320%4,354
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.5912%3,027
Loan loss allowance to noncurrent loans35.2966%6,056
Noncurrent assets plus other real estate owned to assets4.2925%1,444
Noncurrent loans to loans4.5082%1,550
Net loans and leases to total assets71.3515%3,187
Net loans and leases to deposits88.0858%2,938
Net loans and leases to core deposits110.0771%3,227
Total domestic deposits to total assets81.0023%5,080
Equity capital to assets12.5653%1,908
Core capital (leverage) ratio11.7517%1,937
Tier 1 risk-based capital ratio18.5569%1,851
Total risk-based capital ratio19.8147%1,802
Memoranda:
Average total assets$625,556,7501,123
Average earning assets$571,756,7501,117
Average equity$69,428,500952
Average total loans$453,090,5001,080
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4257%5,008
Cost of funding earning assets1.7074%5,232
Net interest margin3.7183%3,880
Noninterest income to average assets0.5821%3,820
Noninterest expense to average assets2.3204%6,704
Loan and lease loss provision to assets0.6591%2,451
Net operating income to assets0.8996%2,459
Return on assets (ROA)0.9099%2,518
Pretax return on assets0.9994%3,017
Return on Equity (ROE)8.5432%2,548
Retained earnings to average equity (ytd only)8.5432%1,057
Net charge-offs to loans1.0088%1,755
Credit loss provision to net charge-offs90.2272%4,918
Earnings coverage of net charge-offs (x)2.2550%3,943
Efficiency ratio56.6288%7,034
Assets per employee ($millions)3.9959%3,683
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.3485%3,987
Loan loss allowance to noncurrent loans39.8082%5,738
Noncurrent assets plus other real estate owned to assets3.4615%1,796
Noncurrent loans to loans3.3876%2,078
Net loans and leases to total assets70.6350%3,544
Net loans and leases to deposits90.3770%2,772
Net loans and leases to core deposits116.5185%2,664
Total domestic deposits to total assets78.1560%6,032
Equity capital to assets11.0349%2,890
Core capital (leverage) ratio10.9885%2,405
Tier 1 risk-based capital ratio17.4840%2,157
Total risk-based capital ratio18.7373%2,109
Memoranda:
Average total assets$638,768,0001,122
Average earning assets$581,603,0001,119
Average equity$68,030,330984
Average total loans$462,512,3301,077
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4155%5,340
Cost of funding earning assets1.7038%5,582
Net interest margin3.7117%3,840
Noninterest income to average assets0.5024%4,303
Noninterest expense to average assets2.1074%7,099
Loan and lease loss provision to assets1.1230%1,162
Net operating income to assets0.5915%4,050
Return on assets (ROA)0.5965%4,226
Pretax return on assets0.6608%4,557
Return on Equity (ROE)5.6998%4,170
Retained earnings to average equity (ytd only)5.6998%2,780
Net charge-offs to loans0.3111%2,859
Credit loss provision to net charge-offs495.9016%1,100
Earnings coverage of net charge-offs (x)7.8525%2,288
Efficiency ratio52.3726%7,377
Assets per employee ($millions)4.2069%3,250
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.6543%2,297
Loan loss allowance to noncurrent loans46.1280%5,428
Noncurrent assets plus other real estate owned to assets2.7498%2,064
Noncurrent loans to loans3.5863%1,756
Net loans and leases to total assets69.2705%3,855
Net loans and leases to deposits91.7238%2,647
Net loans and leases to core deposits116.1146%2,794
Total domestic deposits to total assets75.5207%6,598
Equity capital to assets10.1283%3,853
Core capital (leverage) ratio10.7499%2,696
Tier 1 risk-based capital ratio15.9770%2,698
Total risk-based capital ratio17.2341%2,634
Memoranda:
Average total assets$646,469,5001,099
Average earning assets$589,275,0001,103
Average equity$67,651,500995
Average total loans$470,602,0001,069
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3831%3,509
Cost of funding earning assets2.2322%5,449
Net interest margin4.1509%2,497
Noninterest income to average assets0.5929%3,890
Noninterest expense to average assets2.3532%6,559
Loan and lease loss provision to assets1.1516%1,266
Net operating income to assets0.8664%3,144
Return on assets (ROA)0.8751%2,960
Pretax return on assets0.9417%3,580
Return on Equity (ROE)7.7701%3,165
Retained earnings to average equity (ytd only)2.1135%3,917
Net charge-offs to loans0.9869%1,256
Credit loss provision to net charge-offs147.9992%3,565
Earnings coverage of net charge-offs (x)2.6782%4,742
Efficiency ratio51.3330%7,560
Assets per employee ($millions)3.6985%4,180
Cash dividends to net income (ytd only)*72.7990%2,044
Condition Ratios (%)
Loss allowance to loans1.3124%3,695
Loan loss allowance to noncurrent loans78.2244%4,196
Noncurrent assets plus other real estate owned to assets1.4447%3,324
Noncurrent loans to loans1.6778%3,255
Net loans and leases to total assets74.2726%3,037
Net loans and leases to deposits97.5392%2,188
Net loans and leases to core deposits119.3153%2,757
Total domestic deposits to total assets76.1464%6,205
Equity capital to assets10.8162%3,193
Core capital (leverage) ratio10.7324%2,792
Tier 1 risk-based capital ratio16.7079%2,414
Total risk-based capital ratio17.9618%2,349
Memoranda:
Average total assets$623,030,0001,074
Average earning assets$577,008,4001,070
Average equity$70,166,400951
Average total loans$491,250,400971