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Citizens Bank, Performance and Condition Ratios

2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6624%4,005
Cost of funding earning assets0.1297%3,778
Net interest margin2.5327%3,827
Noninterest income to average assets0.7497%1,170
Noninterest expense to average assets2.5827%1,657
Loan and lease loss provision to assets0.0187%2,020
Net operating income to assets0.5039%3,706
Return on assets (ROA)0.5039%3,670
Pretax return on assets0.5963%3,646
Return on Equity (ROE)5.4963%3,486
Retained earnings to average equity (ytd only)3.3400%3,157
Net charge-offs to loans0.0000%1,838
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.7685%1,087
Assets per employee ($millions)4.4186%4,184
Cash dividends to net income (ytd only)*39.2327%1,521
Condition Ratios (%)
Loss allowance to loans1.3433%2,145
Loan loss allowance to noncurrent loans673.9264%1,213
Noncurrent assets plus other real estate owned to assets0.1011%3,103
Noncurrent loans to loans0.1993%2,824
Net loans and leases to total assets50.0246%3,170
Net loans and leases to deposits54.8773%3,353
Net loans and leases to core deposits56.9311%3,383
Total domestic deposits to total assets91.1572%952
Equity capital to assets8.6457%3,026
Core capital (leverage) ratio9.2387%3,092
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0895%1,488
Memoranda:
Average total assets$641,338,0001,406
Average earning assets$619,880,5001,374
Average equity$58,803,0001,512
Average total loans$330,497,5001,586
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8503%4,134
Cost of funding earning assets0.1666%3,808
Net interest margin2.6837%3,905
Noninterest income to average assets0.7909%1,466
Noninterest expense to average assets2.5402%2,057
Loan and lease loss provision to assets-0.0636%4,418
Net operating income to assets0.7289%3,545
Return on assets (ROA)0.7289%3,609
Pretax return on assets0.9072%3,495
Return on Equity (ROE)7.3145%3,436
Retained earnings to average equity (ytd only)2.7009%3,760
Net charge-offs to loans-0.0148%3,869
Credit loss provision to net charge-offs763.4615%622
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.0711%1,203
Assets per employee ($millions)4.5217%4,099
Cash dividends to net income (ytd only)*63.0746%979
Condition Ratios (%)
Loss allowance to loans1.3070%2,321
Loan loss allowance to noncurrent loans627.0115%1,205
Noncurrent assets plus other real estate owned to assets0.1092%3,164
Noncurrent loans to loans0.2085%2,910
Net loans and leases to total assets51.6846%3,101
Net loans and leases to deposits57.5259%3,295
Net loans and leases to core deposits59.6906%3,333
Total domestic deposits to total assets89.8459%1,033
Equity capital to assets9.6981%2,943
Core capital (leverage) ratio9.0134%3,385
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9879%1,515
Memoranda:
Average total assets$623,811,6001,408
Average earning assets$602,674,6001,375
Average equity$62,164,0001,473
Average total loans$351,968,4001,508
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8745%4,207
Cost of funding earning assets0.1747%3,872
Net interest margin2.6998%3,972
Noninterest income to average assets0.8272%1,450
Noninterest expense to average assets2.4636%2,227
Loan and lease loss provision to assets-0.0427%4,434
Net operating income to assets0.8079%3,512
Return on assets (ROA)0.8079%3,581
Pretax return on assets1.0142%3,414
Return on Equity (ROE)8.0516%3,384
Retained earnings to average equity (ytd only)3.4421%3,756
Net charge-offs to loans-0.0194%3,952
Credit loss provision to net charge-offs382.6923%880
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.7200%1,431
Assets per employee ($millions)4.7100%3,959
Cash dividends to net income (ytd only)*57.2493%927
Condition Ratios (%)
Loss allowance to loans1.3472%2,240
Loan loss allowance to noncurrent loans829.4545%922
Noncurrent assets plus other real estate owned to assets0.0871%3,517
Noncurrent loans to loans0.1624%3,308
Net loans and leases to total assets52.9320%3,090
Net loans and leases to deposits58.9783%3,326
Net loans and leases to core deposits61.3622%3,377
Total domestic deposits to total assets89.7483%895
Equity capital to assets9.8564%3,043
Core capital (leverage) ratio9.2958%3,221
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1863%1,573
Memoranda:
Average total assets$620,375,7501,431
Average earning assets$599,238,0001,394
Average equity$62,247,2501,489
Average total loans$356,490,0001,528
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8961%4,231
Cost of funding earning assets0.1876%3,873
Net interest margin2.7085%3,963
Noninterest income to average assets0.8979%1,281
Noninterest expense to average assets2.4653%2,251
Loan and lease loss provision to assets-0.0321%4,471
Net operating income to assets0.8580%3,342
Return on assets (ROA)0.8580%3,421
Pretax return on assets1.0817%3,274
Return on Equity (ROE)8.4997%3,261
Retained earnings to average equity (ytd only)4.0828%3,492
Net charge-offs to loans-0.0210%4,017
Credit loss provision to net charge-offs260.5263%950
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1384%1,619
Assets per employee ($millions)4.8769%3,770
Cash dividends to net income (ytd only)*51.9652%1,170
Condition Ratios (%)
Loss allowance to loans1.3283%2,299
Loan loss allowance to noncurrent loans684.5361%988
Noncurrent assets plus other real estate owned to assets0.1071%3,509
Noncurrent loans to loans0.1940%3,258
Net loans and leases to total assets54.4612%3,085
Net loans and leases to deposits60.8060%3,316
Net loans and leases to core deposits63.1190%3,368
Total domestic deposits to total assets89.5655%994
Equity capital to assets9.8572%2,998
Core capital (leverage) ratio9.4434%2,970
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8451%1,677
Memoranda:
Average total assets$616,789,6671,427
Average earning assets$595,976,3331,388
Average equity$62,260,6671,478
Average total loans$362,442,0001,514
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0105%4,060
Cost of funding earning assets0.2080%3,843
Net interest margin2.8024%3,759
Noninterest income to average assets1.0497%1,056
Noninterest expense to average assets2.4723%2,255
Loan and lease loss provision to assets0.0335%2,331
Net operating income to assets0.9872%2,845
Return on assets (ROA)0.9872%2,943
Pretax return on assets1.2549%2,688
Return on Equity (ROE)9.6614%2,798
Retained earnings to average equity (ytd only)6.0826%2,861
Net charge-offs to loans-0.0282%4,143
Credit loss provision to net charge-offs-196.1538%2,957
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.7398%2,263
Assets per employee ($millions)4.7184%3,908
Cash dividends to net income (ytd only)*37.0420%1,484
Condition Ratios (%)
Loss allowance to loans1.3381%2,262
Loan loss allowance to noncurrent loans761.9427%845
Noncurrent assets plus other real estate owned to assets0.1001%3,688
Noncurrent loans to loans0.1756%3,481
Net loans and leases to total assets56.2225%3,009
Net loans and leases to deposits62.6688%3,256
Net loans and leases to core deposits65.8604%3,254
Total domestic deposits to total assets89.7137%958
Equity capital to assets9.8546%2,840
Core capital (leverage) ratio9.6412%2,879
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1143%1,537
Memoranda:
Average total assets$608,188,0001,435
Average earning assets$588,345,5001,385
Average equity$62,144,0001,474
Average total loans$368,699,0001,495
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5712%3,870
Cost of funding earning assets0.3008%4,140
Net interest margin3.2704%3,156
Noninterest income to average assets0.8271%1,461
Noninterest expense to average assets2.6992%2,241
Loan and lease loss provision to assets0.0413%3,882
Net operating income to assets0.9794%2,358
Return on assets (ROA)0.9794%2,507
Pretax return on assets1.2420%2,182
Return on Equity (ROE)8.9861%2,399
Retained earnings to average equity (ytd only)7.1004%1,358
Net charge-offs to loans0.0527%2,036
Credit loss provision to net charge-offs114.7959%2,682
Earnings coverage of net charge-offs (x)35.7092%1,474
Efficiency ratio67.7777%2,259
Assets per employee ($millions)4.5646%3,852
Cash dividends to net income (ytd only)*20.9846%3,200
Condition Ratios (%)
Loss allowance to loans1.2399%2,748
Loan loss allowance to noncurrent loans727.8207%867
Noncurrent assets plus other real estate owned to assets0.1099%3,746
Noncurrent loans to loans0.1704%3,600
Net loans and leases to total assets63.6995%2,406
Net loans and leases to deposits71.7173%2,714
Net loans and leases to core deposits75.1330%2,806
Total domestic deposits to total assets88.8204%1,062
Equity capital to assets10.6051%2,587
Core capital (leverage) ratio9.8538%2,735
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4771%1,688
Memoranda:
Average total assets$545,425,8001,440
Average earning assets$526,233,0001,398
Average equity$59,447,6001,454
Average total loans$371,826,4001,439
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6429%3,925
Cost of funding earning assets0.3153%4,244
Net interest margin3.3276%3,107
Noninterest income to average assets0.8986%1,226
Noninterest expense to average assets2.7480%2,127
Loan and lease loss provision to assets0.0701%3,451
Net operating income to assets1.0141%2,282
Return on assets (ROA)1.0141%2,414
Pretax return on assets1.2890%2,099
Return on Equity (ROE)9.2357%2,306
Retained earnings to average equity (ytd only)7.4186%1,523
Net charge-offs to loans0.0342%2,148
Credit loss provision to net charge-offs295.7895%1,775
Earnings coverage of net charge-offs (x)57.3579%1,119
Efficiency ratio66.9096%2,326
Assets per employee ($millions)4.5375%3,800
Cash dividends to net income (ytd only)*19.6754%2,794
Condition Ratios (%)
Loss allowance to loans1.2710%2,290
Loan loss allowance to noncurrent loans606.7332%897
Noncurrent assets plus other real estate owned to assets0.1548%3,641
Noncurrent loans to loans0.2095%3,544
Net loans and leases to total assets65.5919%2,569
Net loans and leases to deposits73.8248%2,975
Net loans and leases to core deposits77.9368%3,013
Total domestic deposits to total assets88.8481%840
Equity capital to assets10.6725%2,647
Core capital (leverage) ratio9.9707%2,749
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0926%1,800
Memoranda:
Average total assets$534,574,7501,449
Average earning assets$515,435,0001,405
Average equity$58,698,0001,462
Average total loans$369,835,2501,444
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7092%4,067
Cost of funding earning assets0.3358%4,332
Net interest margin3.3734%3,176
Noninterest income to average assets0.8293%1,348
Noninterest expense to average assets2.7722%2,156
Loan and lease loss provision to assets0.0657%3,471
Net operating income to assets0.9787%2,401
Return on assets (ROA)0.9787%2,530
Pretax return on assets1.2403%2,217
Return on Equity (ROE)8.8222%2,440
Retained earnings to average equity (ytd only)6.9525%1,682
Net charge-offs to loans0.0399%1,947
Credit loss provision to net charge-offs234.2466%1,797
Earnings coverage of net charge-offs (x)46.5753%1,155
Efficiency ratio67.9759%2,235
Assets per employee ($millions)4.5458%3,728
Cash dividends to net income (ytd only)*21.1931%2,687
Condition Ratios (%)
Loss allowance to loans1.2302%2,349
Loan loss allowance to noncurrent loans722.8442%720
Noncurrent assets plus other real estate owned to assets0.1350%3,847
Noncurrent loans to loans0.1702%3,769
Net loans and leases to total assets68.0546%2,344
Net loans and leases to deposits76.6571%2,790
Net loans and leases to core deposits79.8986%2,956
Total domestic deposits to total assets88.7780%831
Equity capital to assets10.6351%2,632
Core capital (leverage) ratio10.2038%2,635
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6914%1,931
Memoranda:
Average total assets$520,677,0001,461
Average earning assets$501,450,6671,417
Average equity$57,763,3331,466
Average total loans$365,496,6671,444
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8590%4,114
Cost of funding earning assets0.3974%4,372
Net interest margin3.4616%3,109
Noninterest income to average assets0.8847%1,098
Noninterest expense to average assets2.9168%2,081
Loan and lease loss provision to assets0.0337%3,350
Net operating income to assets0.9976%2,179
Return on assets (ROA)0.9976%2,286
Pretax return on assets1.2637%1,981
Return on Equity (ROE)8.7876%2,197
Retained earnings to average equity (ytd only)6.9524%1,555
Net charge-offs to loans0.0384%1,657
Credit loss provision to net charge-offs123.5294%1,696
Earnings coverage of net charge-offs (x)47.6176%928
Efficiency ratio69.2147%2,478
Assets per employee ($millions)4.1945%3,668
Cash dividends to net income (ytd only)*20.8835%2,326
Condition Ratios (%)
Loss allowance to loans1.3272%2,011
Loan loss allowance to noncurrent loans719.9693%709
Noncurrent assets plus other real estate owned to assets0.1468%3,910
Noncurrent loans to loans0.1843%3,814
Net loans and leases to total assets68.0969%2,522
Net loans and leases to deposits77.2340%2,948
Net loans and leases to core deposits81.2401%3,091
Total domestic deposits to total assets88.1696%1,032
Equity capital to assets11.3599%2,547
Core capital (leverage) ratio10.8997%2,562
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9261%1,931
Memoranda:
Average total assets$499,176,5001,470
Average earning assets$480,120,0001,422
Average equity$56,671,0001,485
Average total loans$354,051,5001,438
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9748%4,311
Cost of funding earning assets0.4785%4,175
Net interest margin3.4963%3,455
Noninterest income to average assets0.7848%1,493
Noninterest expense to average assets2.7898%2,637
Loan and lease loss provision to assets-0.0445%5,007
Net operating income to assets1.1083%2,410
Return on assets (ROA)1.0989%2,550
Pretax return on assets1.4087%2,127
Return on Equity (ROE)10.2840%2,167
Retained earnings to average equity (ytd only)8.4811%836
Net charge-offs to loans0.0100%3,327
Credit loss provision to net charge-offs-600.0000%4,447
Earnings coverage of net charge-offs (x)185.7222%418
Efficiency ratio66.9664%2,624
Assets per employee ($millions)3.9244%4,006
Cash dividends to net income (ytd only)*17.5314%3,549
Condition Ratios (%)
Loss allowance to loans1.3185%1,841
Loan loss allowance to noncurrent loans635.8696%810
Noncurrent assets plus other real estate owned to assets0.1718%3,790
Noncurrent loans to loans0.2074%3,716
Net loans and leases to total assets71.9785%2,092
Net loans and leases to deposits81.5278%2,613
Net loans and leases to core deposits85.6816%2,808
Total domestic deposits to total assets88.2870%988
Equity capital to assets11.3456%2,662
Core capital (leverage) ratio10.6984%2,762
Tier 1 risk-based capital ratio13.4882%3,531
Total risk-based capital ratio14.6880%3,443
Memoranda:
Average total assets$485,841,6001,461
Average earning assets$469,834,0001,415
Average equity$51,915,4001,545
Average total loans$361,693,8001,379
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9486%4,460
Cost of funding earning assets0.4825%4,211
Net interest margin3.4660%3,676
Noninterest income to average assets0.7610%1,556
Noninterest expense to average assets2.7693%2,654
Loan and lease loss provision to assets-0.0165%5,071
Net operating income to assets1.0632%2,721
Return on assets (ROA)1.0507%2,874
Pretax return on assets1.3466%2,512
Return on Equity (ROE)9.9870%2,434
Retained earnings to average equity (ytd only)8.3403%1,271
Net charge-offs to loans-0.0044%4,174
Credit loss provision to net charge-offs500.0000%621
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.2915%2,527
Assets per employee ($millions)4.1747%3,656
Cash dividends to net income (ytd only)*16.4881%3,167
Condition Ratios (%)
Loss allowance to loans1.3610%1,719
Loan loss allowance to noncurrent loans657.3351%791
Noncurrent assets plus other real estate owned to assets0.1726%3,886
Noncurrent loans to loans0.2071%3,794
Net loans and leases to total assets72.4673%2,090
Net loans and leases to deposits81.8623%2,702
Net loans and leases to core deposits85.0944%2,982
Total domestic deposits to total assets88.5234%815
Equity capital to assets11.1223%2,990
Core capital (leverage) ratio10.6975%2,935
Tier 1 risk-based capital ratio13.0259%3,831
Total risk-based capital ratio14.2635%3,741
Memoranda:
Average total assets$485,646,5001,470
Average earning assets$469,995,2501,421
Average equity$51,091,7501,572
Average total loans$363,381,5001,384
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9106%4,534
Cost of funding earning assets0.4818%4,196
Net interest margin3.4289%3,803
Noninterest income to average assets0.7262%1,619
Noninterest expense to average assets2.7658%2,702
Loan and lease loss provision to assets0.0371%3,072
Net operating income to assets0.9751%3,005
Return on assets (ROA)0.9552%3,151
Pretax return on assets1.2226%2,835
Return on Equity (ROE)9.2575%2,750
Retained earnings to average equity (ytd only)7.6259%1,548
Net charge-offs to loans-0.0312%4,697
Credit loss provision to net charge-offs-157.8947%3,955
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2795%2,490
Assets per employee ($millions)3.8549%4,053
Cash dividends to net income (ytd only)*17.6242%3,092
Condition Ratios (%)
Loss allowance to loans1.4041%1,597
Loan loss allowance to noncurrent loans770.7132%713
Noncurrent assets plus other real estate owned to assets0.1563%3,978
Noncurrent loans to loans0.1822%3,905
Net loans and leases to total assets73.4257%1,979
Net loans and leases to deposits82.5122%2,671
Net loans and leases to core deposits84.9126%3,038
Total domestic deposits to total assets88.9878%666
Equity capital to assets10.7296%3,321
Core capital (leverage) ratio10.5021%3,084
Tier 1 risk-based capital ratio12.6831%4,024
Total risk-based capital ratio13.9335%3,924
Memoranda:
Average total assets$484,714,0001,474
Average earning assets$469,951,6701,415
Average equity$50,013,6701,590
Average total loans$364,893,3301,389
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8925%4,561
Cost of funding earning assets0.4788%4,163
Net interest margin3.4137%3,850
Noninterest income to average assets0.7559%1,415
Noninterest expense to average assets2.6996%2,907
Loan and lease loss provision to assets0.0743%2,189
Net operating income to assets1.0038%2,825
Return on assets (ROA)0.9640%3,038
Pretax return on assets1.2416%2,660
Return on Equity (ROE)9.5337%2,576
Retained earnings to average equity (ytd only)7.8672%1,717
Net charge-offs to loans-0.0491%4,824
Credit loss provision to net charge-offs-200.0000%3,626
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3958%2,881
Assets per employee ($millions)3.9660%3,973
Cash dividends to net income (ytd only)*17.4807%2,522
Condition Ratios (%)
Loss allowance to loans1.4041%1,663
Loan loss allowance to noncurrent loans756.2687%766
Noncurrent assets plus other real estate owned to assets0.1578%4,019
Noncurrent loans to loans0.1857%3,922
Net loans and leases to total assets72.9381%2,002
Net loans and leases to deposits86.6899%2,043
Net loans and leases to core deposits90.1286%2,489
Total domestic deposits to total assets84.1367%2,997
Equity capital to assets10.2758%3,548
Core capital (leverage) ratio10.1563%3,433
Tier 1 risk-based capital ratio12.4643%4,195
Total risk-based capital ratio13.7147%4,058
Memoranda:
Average total assets$484,214,0001,478
Average earning assets$469,520,0001,422
Average equity$48,963,0001,607
Average total loans$366,481,0001,386
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8432%4,402
Cost of funding earning assets0.3409%4,340
Net interest margin3.5023%3,699
Noninterest income to average assets0.7795%1,529
Noninterest expense to average assets2.8915%2,383
Loan and lease loss provision to assets0.1205%1,833
Net operating income to assets0.9075%3,414
Return on assets (ROA)0.9075%3,403
Pretax return on assets1.1629%3,051
Return on Equity (ROE)9.3674%2,802
Retained earnings to average equity (ytd only)7.6057%1,412
Net charge-offs to loans0.0659%2,177
Credit loss provision to net charge-offs239.4958%1,238
Earnings coverage of net charge-offs (x)25.5000%1,768
Efficiency ratio69.2584%2,335
Assets per employee ($millions)3.8449%4,108
Cash dividends to net income (ytd only)*18.8068%3,514
Condition Ratios (%)
Loss allowance to loans1.3255%1,922
Loan loss allowance to noncurrent loans478.8350%1,131
Noncurrent assets plus other real estate owned to assets0.2757%3,479
Noncurrent loans to loans0.2768%3,572
Net loans and leases to total assets76.3942%1,540
Net loans and leases to deposits92.8609%1,413
Net loans and leases to core deposits96.2911%2,039
Total domestic deposits to total assets82.2673%3,565
Equity capital to assets9.9455%3,730
Core capital (leverage) ratio9.9732%3,615
Tier 1 risk-based capital ratio12.0351%4,408
Total risk-based capital ratio13.2663%4,311
Memoranda:
Average total assets$472,863,0001,480
Average earning assets$458,447,2001,418
Average equity$45,807,6001,642
Average total loans$360,960,6001,365
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7793%4,480
Cost of funding earning assets0.3067%4,473
Net interest margin3.4726%3,794
Noninterest income to average assets0.7412%1,709
Noninterest expense to average assets2.8573%2,439
Loan and lease loss provision to assets0.1585%1,219
Net operating income to assets0.8533%3,723
Return on assets (ROA)0.8533%3,732
Pretax return on assets1.0912%3,433
Return on Equity (ROE)8.8691%3,141
Retained earnings to average equity (ytd only)7.2271%2,010
Net charge-offs to loans0.0599%1,966
Credit loss provision to net charge-offs347.8261%905
Earnings coverage of net charge-offs (x)27.4163%1,703
Efficiency ratio69.5712%2,262
Assets per employee ($millions)3.8574%4,097
Cash dividends to net income (ytd only)*18.5136%3,069
Condition Ratios (%)
Loss allowance to loans1.3482%1,894
Loan loss allowance to noncurrent loans359.8992%1,445
Noncurrent assets plus other real estate owned to assets0.3632%3,218
Noncurrent loans to loans0.3746%3,307
Net loans and leases to total assets75.8610%1,676
Net loans and leases to deposits92.1098%1,608
Net loans and leases to core deposits95.1935%2,195
Total domestic deposits to total assets82.3593%3,504
Equity capital to assets9.5151%4,068
Core capital (leverage) ratio9.8472%3,799
Tier 1 risk-based capital ratio11.8226%4,589
Total risk-based capital ratio13.0724%4,479
Memoranda:
Average total assets$470,926,2501,494
Average earning assets$456,436,5001,425
Average equity$45,309,7501,662
Average total loans$358,178,2501,370
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7473%4,472
Cost of funding earning assets0.2606%4,699
Net interest margin3.4867%3,678
Noninterest income to average assets0.7398%1,689
Noninterest expense to average assets2.8310%2,579
Loan and lease loss provision to assets0.1832%977
Net operating income to assets0.8626%3,619
Return on assets (ROA)0.8626%3,617
Pretax return on assets1.1049%3,297
Return on Equity (ROE)8.9317%3,054
Retained earnings to average equity (ytd only)7.2828%1,933
Net charge-offs to loans0.0638%1,709
Credit loss provision to net charge-offs378.7611%854
Earnings coverage of net charge-offs (x)26.6283%1,595
Efficiency ratio68.7279%2,525
Assets per employee ($millions)3.8315%4,166
Cash dividends to net income (ytd only)*18.4615%3,043
Condition Ratios (%)
Loss allowance to loans1.3457%1,966
Loan loss allowance to noncurrent loans479.5122%1,127
Noncurrent assets plus other real estate owned to assets0.2919%3,600
Noncurrent loans to loans0.2806%3,696
Net loans and leases to total assets75.8374%1,663
Net loans and leases to deposits88.0921%2,100
Net loans and leases to core deposits92.1995%2,387
Total domestic deposits to total assets86.0888%2,240
Equity capital to assets9.5886%4,016
Core capital (leverage) ratio9.8893%3,693
Tier 1 risk-based capital ratio11.8500%4,590
Total risk-based capital ratio13.0999%4,472
Memoranda:
Average total assets$467,178,6701,514
Average earning assets$452,806,0001,447
Average equity$45,120,0001,668
Average total loans$353,978,6701,381
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6747%4,524
Cost of funding earning assets0.2308%4,830
Net interest margin3.4439%3,728
Noninterest income to average assets0.7824%1,509
Noninterest expense to average assets2.9136%2,312
Loan and lease loss provision to assets0.0743%2,281
Net operating income to assets0.8825%3,363
Return on assets (ROA)0.8825%3,375
Pretax return on assets1.1321%3,041
Return on Equity (ROE)9.1043%2,861
Retained earnings to average equity (ytd only)7.5364%2,030
Net charge-offs to loans0.0218%2,067
Credit loss provision to net charge-offs452.6316%636
Earnings coverage of net charge-offs (x)73.5263%746
Efficiency ratio70.7189%2,386
Assets per employee ($millions)3.6828%4,437
Cash dividends to net income (ytd only)*17.2211%2,455
Condition Ratios (%)
Loss allowance to loans1.3206%2,148
Loan loss allowance to noncurrent loans404.4194%1,307
Noncurrent assets plus other real estate owned to assets0.3267%3,527
Noncurrent loans to loans0.3265%3,596
Net loans and leases to total assets75.1533%1,680
Net loans and leases to deposits87.6182%1,979
Net loans and leases to core deposits92.2270%2,280
Total domestic deposits to total assets85.7737%2,646
Equity capital to assets9.6676%3,921
Core capital (leverage) ratio9.9245%3,608
Tier 1 risk-based capital ratio11.9938%4,547
Total risk-based capital ratio13.2221%4,458
Memoranda:
Average total assets$463,214,5001,533
Average earning assets$448,907,0001,464
Average equity$44,902,0001,678
Average total loans$348,356,0001,405
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5603%4,663
Cost of funding earning assets0.2170%4,810
Net interest margin3.3432%4,031
Noninterest income to average assets0.7434%1,795
Noninterest expense to average assets2.7782%2,853
Loan and lease loss provision to assets0.0881%2,428
Net operating income to assets0.6618%3,774
Return on assets (ROA)0.6618%3,813
Pretax return on assets1.1168%3,115
Return on Equity (ROE)6.8768%3,342
Retained earnings to average equity (ytd only)5.3910%1,871
Net charge-offs to loans0.0989%2,088
Credit loss provision to net charge-offs122.1212%2,140
Earnings coverage of net charge-offs (x)16.7000%2,161
Efficiency ratio69.7497%2,603
Assets per employee ($millions)3.8214%4,249
Cash dividends to net income (ytd only)*21.6056%3,628
Condition Ratios (%)
Loss allowance to loans1.3399%2,021
Loan loss allowance to noncurrent loans459.0818%1,193
Noncurrent assets plus other real estate owned to assets0.2950%3,704
Noncurrent loans to loans0.2919%3,737
Net loans and leases to total assets73.2508%2,056
Net loans and leases to deposits85.1111%2,359
Net loans and leases to core deposits89.7166%2,591
Total domestic deposits to total assets86.0649%2,403
Equity capital to assets9.7196%4,008
Core capital (leverage) ratio9.7285%3,774
Tier 1 risk-based capital ratio12.0869%4,472
Total risk-based capital ratio13.3290%4,370
Memoranda:
Average total assets$457,380,4001,521
Average earning assets$443,226,0001,458
Average equity$44,017,6001,688
Average total loans$333,618,6001,437
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5279%4,746
Cost of funding earning assets0.2138%4,857
Net interest margin3.3141%4,120
Noninterest income to average assets0.7176%1,921
Noninterest expense to average assets2.7927%2,751
Loan and lease loss provision to assets0.0772%2,532
Net operating income to assets0.6890%4,031
Return on assets (ROA)0.6890%4,100
Pretax return on assets1.0596%3,462
Return on Equity (ROE)7.1771%3,555
Retained earnings to average equity (ytd only)5.7246%2,418
Net charge-offs to loans0.0274%2,896
Credit loss provision to net charge-offs388.2353%785
Earnings coverage of net charge-offs (x)57.1939%1,019
Efficiency ratio71.0704%2,353
Assets per employee ($millions)3.7290%4,410
Cash dividends to net income (ytd only)*20.2374%3,125
Condition Ratios (%)
Loss allowance to loans1.3955%1,913
Loan loss allowance to noncurrent loans175.5110%2,464
Noncurrent assets plus other real estate owned to assets0.6231%2,644
Noncurrent loans to loans0.7951%2,371
Net loans and leases to total assets72.7588%2,137
Net loans and leases to deposits84.8371%2,454
Net loans and leases to core deposits88.6221%2,717
Total domestic deposits to total assets85.7629%2,404
Equity capital to assets9.7750%4,172
Core capital (leverage) ratio9.7203%3,912
Tier 1 risk-based capital ratio11.9313%4,680
Total risk-based capital ratio13.1816%4,552
Memoranda:
Average total assets$456,126,7501,539
Average earning assets$442,062,2501,467
Average equity$43,786,2501,711
Average total loans$331,196,2501,449
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4924%4,785
Cost of funding earning assets0.2117%4,873
Net interest margin3.2807%4,169
Noninterest income to average assets0.7121%1,937
Noninterest expense to average assets2.7526%2,917
Loan and lease loss provision to assets0.0712%2,548
Net operating income to assets0.6914%3,883
Return on assets (ROA)0.6914%3,948
Pretax return on assets1.0679%3,304
Return on Equity (ROE)7.2473%3,425
Retained earnings to average equity (ytd only)5.8107%2,225
Net charge-offs to loans0.0596%2,080
Credit loss provision to net charge-offs165.3061%1,434
Earnings coverage of net charge-offs (x)26.4592%1,574
Efficiency ratio70.7303%2,546
Assets per employee ($millions)3.7826%4,304
Cash dividends to net income (ytd only)*19.8221%3,122
Condition Ratios (%)
Loss allowance to loans1.3780%2,048
Loan loss allowance to noncurrent loans167.4936%2,565
Noncurrent assets plus other real estate owned to assets0.6302%2,673
Noncurrent loans to loans0.8227%2,344
Net loans and leases to total assets71.1987%2,337
Net loans and leases to deposits82.9231%2,607
Net loans and leases to core deposits86.7097%2,816
Total domestic deposits to total assets85.8611%2,438
Equity capital to assets9.6177%4,297
Core capital (leverage) ratio9.7211%3,870
Tier 1 risk-based capital ratio12.0313%4,614
Total risk-based capital ratio13.2813%4,496
Memoranda:
Average total assets$455,281,6701,542
Average earning assets$441,245,3301,476
Average equity$43,437,0001,720
Average total loans$328,781,6701,458
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4558%4,815
Cost of funding earning assets0.2098%4,887
Net interest margin3.2460%4,202
Noninterest income to average assets0.6979%1,983
Noninterest expense to average assets2.8457%2,632
Loan and lease loss provision to assets0.0531%2,748
Net operating income to assets0.6166%4,083
Return on assets (ROA)0.6166%4,139
Pretax return on assets0.9474%3,600
Return on Equity (ROE)6.4892%3,673
Retained earnings to average equity (ytd only)5.0368%2,872
Net charge-offs to loans0.1151%1,250
Credit loss provision to net charge-offs63.8298%1,879
Earnings coverage of net charge-offs (x)12.0319%1,861
Efficiency ratio73.9880%2,238
Assets per employee ($millions)3.8776%4,215
Cash dividends to net income (ytd only)*22.3816%2,479
Condition Ratios (%)
Loss allowance to loans1.3771%2,181
Loan loss allowance to noncurrent loans155.6826%2,751
Noncurrent assets plus other real estate owned to assets0.6672%2,630
Noncurrent loans to loans0.8846%2,262
Net loans and leases to total assets70.3239%2,319
Net loans and leases to deposits83.0587%2,387
Net loans and leases to core deposits86.9271%2,640
Total domestic deposits to total assets84.6677%3,231
Equity capital to assets9.4710%4,307
Core capital (leverage) ratio9.5371%4,074
Tier 1 risk-based capital ratio12.1609%4,611
Total risk-based capital ratio13.4110%4,507
Memoranda:
Average total assets$452,186,5001,561
Average earning assets$438,566,5001,491
Average equity$42,964,0001,739
Average total loans$326,596,0001,477
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5603%4,613
Cost of funding earning assets0.1982%5,028
Net interest margin3.3620%3,954
Noninterest income to average assets0.8086%1,720
Noninterest expense to average assets2.8377%2,888
Loan and lease loss provision to assets0.0778%2,808
Net operating income to assets0.7416%3,580
Return on assets (ROA)0.7416%3,695
Pretax return on assets1.1580%2,861
Return on Equity (ROE)7.6108%3,167
Retained earnings to average equity (ytd only)6.3269%1,547
Net charge-offs to loans0.0097%3,938
Credit loss provision to net charge-offs1,087.0968%360
Earnings coverage of net charge-offs (x)172.7097%377
Efficiency ratio69.6623%2,967
Assets per employee ($millions)3.7866%4,329
Cash dividends to net income (ytd only)*16.8690%3,834
Condition Ratios (%)
Loss allowance to loans1.3847%2,144
Loan loss allowance to noncurrent loans156.1034%2,732
Noncurrent assets plus other real estate owned to assets0.6864%2,653
Noncurrent loans to loans0.8870%2,328
Net loans and leases to total assets72.1550%2,149
Net loans and leases to deposits85.3407%2,259
Net loans and leases to core deposits88.5573%2,624
Total domestic deposits to total assets84.5494%3,222
Equity capital to assets9.5325%4,238
Core capital (leverage) ratio9.6591%3,903
Tier 1 risk-based capital ratio12.1170%4,648
Total risk-based capital ratio13.3673%4,524
Memoranda:
Average total assets$433,238,4001,571
Average earning assets$420,728,6001,497
Average equity$42,216,4001,752
Average total loans$319,271,2001,452
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5688%4,639
Cost of funding earning assets0.1983%5,086
Net interest margin3.3705%3,953
Noninterest income to average assets0.8307%1,647
Noninterest expense to average assets2.8881%2,674
Loan and lease loss provision to assets0.0847%2,528
Net operating income to assets0.7243%3,725
Return on assets (ROA)0.7243%3,856
Pretax return on assets1.1315%3,107
Return on Equity (ROE)7.3910%3,357
Retained earnings to average equity (ytd only)6.1692%2,077
Net charge-offs to loans0.0550%2,574
Credit loss provision to net charge-offs208.3969%1,399
Earnings coverage of net charge-offs (x)29.9317%1,491
Efficiency ratio70.3673%2,837
Assets per employee ($millions)3.8454%4,227
Cash dividends to net income (ytd only)*16.5309%3,358
Condition Ratios (%)
Loss allowance to loans1.3714%2,335
Loan loss allowance to noncurrent loans147.2991%2,827
Noncurrent assets plus other real estate owned to assets0.7138%2,772
Noncurrent loans to loans0.9311%2,386
Net loans and leases to total assets71.5754%2,247
Net loans and leases to deposits84.4598%2,434
Net loans and leases to core deposits88.0233%2,758
Total domestic deposits to total assets84.7450%2,917
Equity capital to assets9.9178%4,224
Core capital (leverage) ratio9.6582%3,990
Tier 1 risk-based capital ratio12.2408%4,649
Total risk-based capital ratio13.4910%4,549
Memoranda:
Average total assets$429,843,7501,576
Average earning assets$417,493,5001,510
Average equity$42,122,2501,763
Average total loans$317,357,0001,462
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5825%4,646
Cost of funding earning assets0.2003%5,139
Net interest margin3.3822%3,961
Noninterest income to average assets0.8731%1,461
Noninterest expense to average assets2.8923%2,703
Loan and lease loss provision to assets0.0721%2,693
Net operating income to assets0.7597%3,508
Return on assets (ROA)0.7597%3,650
Pretax return on assets1.1906%2,813
Return on Equity (ROE)7.7849%3,094
Retained earnings to average equity (ytd only)6.5610%1,843
Net charge-offs to loans0.0921%1,921
Credit loss provision to net charge-offs105.4795%2,024
Earnings coverage of net charge-offs (x)18.4658%1,822
Efficiency ratio69.6088%3,045
Assets per employee ($millions)3.7870%4,287
Cash dividends to net income (ytd only)*15.7213%3,326
Condition Ratios (%)
Loss allowance to loans1.3317%2,611
Loan loss allowance to noncurrent loans146.7384%2,916
Noncurrent assets plus other real estate owned to assets0.7063%2,862
Noncurrent loans to loans0.9075%2,471
Net loans and leases to total assets72.5780%2,076
Net loans and leases to deposits86.1921%2,226
Net loans and leases to core deposits88.7040%2,665
Total domestic deposits to total assets84.2049%3,194
Equity capital to assets9.9181%4,327
Core capital (leverage) ratio9.6731%3,968
Tier 1 risk-based capital ratio11.9583%4,851
Total risk-based capital ratio13.1892%4,781
Memoranda:
Average total assets$427,000,3301,586
Average earning assets$414,345,0001,521
Average equity$41,670,6701,780
Average total loans$317,099,0001,462
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6275%4,547
Cost of funding earning assets0.2087%5,118
Net interest margin3.4188%3,806
Noninterest income to average assets0.9646%1,157
Noninterest expense to average assets2.9352%2,589
Loan and lease loss provision to assets0.0744%2,471
Net operating income to assets0.8101%3,188
Return on assets (ROA)0.8101%3,315
Pretax return on assets1.2726%2,407
Return on Equity (ROE)8.3704%2,723
Retained earnings to average equity (ytd only)7.1635%1,811
Net charge-offs to loans0.2171%937
Credit loss provision to net charge-offs45.9302%2,088
Earnings coverage of net charge-offs (x)8.3140%2,063
Efficiency ratio68.5438%3,371
Assets per employee ($millions)3.7722%4,358
Cash dividends to net income (ytd only)*14.4186%2,647
Condition Ratios (%)
Loss allowance to loans1.3028%2,882
Loan loss allowance to noncurrent loans136.0132%2,960
Noncurrent assets plus other real estate owned to assets0.7579%2,805
Noncurrent loans to loans0.9579%2,459
Net loans and leases to total assets74.0183%1,726
Net loans and leases to deposits87.3421%1,901
Net loans and leases to core deposits89.3988%2,429
Total domestic deposits to total assets84.7453%3,229
Equity capital to assets9.8853%4,235
Core capital (leverage) ratio9.4948%4,202
Tier 1 risk-based capital ratio11.5605%5,192
Total risk-based capital ratio12.7401%5,144
Memoranda:
Average total assets$424,643,0001,596
Average earning assets$412,076,0001,531
Average equity$41,097,0001,800
Average total loans$316,869,0001,458
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7342%4,258
Cost of funding earning assets0.2501%4,786
Net interest margin3.4840%3,579
Noninterest income to average assets0.8021%1,780
Noninterest expense to average assets2.9054%2,842
Loan and lease loss provision to assets0.1569%1,488
Net operating income to assets0.7305%3,671
Return on assets (ROA)0.7305%3,767
Pretax return on assets1.1136%2,982
Return on Equity (ROE)7.7618%3,100
Retained earnings to average equity (ytd only)6.5231%1,525
Net charge-offs to loans0.0574%3,074
Credit loss provision to net charge-offs377.5862%791
Earnings coverage of net charge-offs (x)30.5690%1,440
Efficiency ratio69.5744%3,294
Assets per employee ($millions)3.6479%4,569
Cash dividends to net income (ytd only)*15.9581%3,916
Condition Ratios (%)
Loss allowance to loans1.3320%2,749
Loan loss allowance to noncurrent loans265.4717%1,835
Noncurrent assets plus other real estate owned to assets0.4117%3,953
Noncurrent loans to loans0.5017%3,682
Net loans and leases to total assets73.2596%1,846
Net loans and leases to deposits87.0572%1,996
Net loans and leases to core deposits89.3229%2,465
Total domestic deposits to total assets84.1511%3,425
Equity capital to assets9.4728%4,584
Core capital (leverage) ratio9.2070%4,606
Tier 1 risk-based capital ratio11.7193%5,120
Total risk-based capital ratio12.9648%5,040
Memoranda:
Average total assets$418,633,4001,582
Average earning assets$405,390,8001,515
Average equity$39,398,2001,825
Average total loans$303,226,0001,459
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7215%4,359
Cost of funding earning assets0.2553%4,820
Net interest margin3.4662%3,688
Noninterest income to average assets0.8040%1,789
Noninterest expense to average assets2.9000%2,851
Loan and lease loss provision to assets0.1706%1,239
Net operating income to assets0.7172%3,836
Return on assets (ROA)0.7172%3,934
Pretax return on assets1.0882%3,274
Return on Equity (ROE)7.6339%3,263
Retained earnings to average equity (ytd only)6.4450%1,993
Net charge-offs to loans0.0485%2,924
Credit loss provision to net charge-offs488.9908%664
Earnings coverage of net charge-offs (x)36.0825%1,333
Efficiency ratio69.7322%3,250
Assets per employee ($millions)3.7802%4,303
Cash dividends to net income (ytd only)*15.5733%3,393
Condition Ratios (%)
Loss allowance to loans1.3106%3,030
Loan loss allowance to noncurrent loans266.6240%1,774
Noncurrent assets plus other real estate owned to assets0.3941%4,197
Noncurrent loans to loans0.4915%3,874
Net loans and leases to total assets71.4734%2,145
Net loans and leases to deposits91.3216%1,485
Net loans and leases to core deposits92.7350%2,195
Total domestic deposits to total assets78.2657%5,140
Equity capital to assets9.1749%5,143
Core capital (leverage) ratio8.9631%5,034
Tier 1 risk-based capital ratio11.3466%5,465
Total risk-based capital ratio12.5753%5,383
Memoranda:
Average total assets$416,591,7501,598
Average earning assets$403,193,7501,532
Average equity$39,140,2501,850
Average total loans$299,809,2501,478
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7396%4,280
Cost of funding earning assets0.2633%4,797
Net interest margin3.4763%3,598
Noninterest income to average assets0.7975%1,789
Noninterest expense to average assets2.9153%2,841
Loan and lease loss provision to assets0.1446%1,489
Net operating income to assets0.7271%3,757
Return on assets (ROA)0.7271%3,877
Pretax return on assets1.0990%3,180
Return on Equity (ROE)7.6748%3,221
Retained earnings to average equity (ytd only)6.4575%1,970
Net charge-offs to loans0.0313%3,030
Credit loss provision to net charge-offs643.4783%519
Earnings coverage of net charge-offs (x)55.3261%891
Efficiency ratio70.0975%3,310
Assets per employee ($millions)3.5342%4,731
Cash dividends to net income (ytd only)*15.8602%3,314
Condition Ratios (%)
Loss allowance to loans1.2908%3,292
Loan loss allowance to noncurrent loans223.1673%2,061
Noncurrent assets plus other real estate owned to assets0.4607%4,091
Noncurrent loans to loans0.5784%3,721
Net loans and leases to total assets71.9065%1,999
Net loans and leases to deposits89.7466%1,632
Net loans and leases to core deposits91.0304%2,241
Total domestic deposits to total assets80.1217%4,836
Equity capital to assets9.2222%4,990
Core capital (leverage) ratio9.0714%4,862
Tier 1 risk-based capital ratio10.9406%5,743
Total risk-based capital ratio12.0950%5,712
Memoranda:
Average total assets$409,289,0001,634
Average earning assets$395,767,0001,564
Average equity$38,776,3301,875
Average total loans$293,888,0001,508
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7621%4,159
Cost of funding earning assets0.2804%4,668
Net interest margin3.4817%3,503
Noninterest income to average assets0.8042%1,699
Noninterest expense to average assets3.0268%2,493
Loan and lease loss provision to assets0.1374%1,497
Net operating income to assets0.6699%3,956
Return on assets (ROA)0.6699%4,078
Pretax return on assets1.0023%3,493
Return on Equity (ROE)6.9726%3,521
Retained earnings to average equity (ytd only)5.6879%2,668
Net charge-offs to loans0.0168%2,831
Credit loss provision to net charge-offs1,150.0000%302
Earnings coverage of net charge-offs (x)95.4167%514
Efficiency ratio72.6469%3,062
Assets per employee ($millions)3.5485%4,816
Cash dividends to net income (ytd only)*18.4250%2,576
Condition Ratios (%)
Loss allowance to loans1.3262%3,270
Loan loss allowance to noncurrent loans236.6197%1,937
Noncurrent assets plus other real estate owned to assets0.4411%4,273
Noncurrent loans to loans0.5605%3,906
Net loans and leases to total assets70.4500%2,077
Net loans and leases to deposits82.8233%2,231
Net loans and leases to core deposits84.2757%2,737
Total domestic deposits to total assets85.0606%3,377
Equity capital to assets9.6189%4,610
Core capital (leverage) ratio9.2514%4,649
Tier 1 risk-based capital ratio11.8598%5,331
Total risk-based capital ratio13.0953%5,230
Memoranda:
Average total assets$401,881,0001,668
Average earning assets$388,086,0001,597
Average equity$38,608,5001,898
Average total loans$286,358,5001,538
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8383%4,360
Cost of funding earning assets0.3784%3,928
Net interest margin3.4599%3,939
Noninterest income to average assets0.8827%1,559
Noninterest expense to average assets3.8174%968
Loan and lease loss provision to assets0.0520%3,516
Net operating income to assets0.2540%5,648
Return on assets (ROA)0.2540%5,708
Pretax return on assets0.3293%5,648
Return on Equity (ROE)2.6496%5,586
Retained earnings to average equity (ytd only)0.7879%5,410
Net charge-offs to loans0.0360%4,117
Credit loss provision to net charge-offs213.8298%1,159
Earnings coverage of net charge-offs (x)15.6809%2,065
Efficiency ratio90.9181%788
Assets per employee ($millions)3.5016%4,895
Cash dividends to net income (ytd only)*70.2648%1,276
Condition Ratios (%)
Loss allowance to loans1.3285%3,277
Loan loss allowance to noncurrent loans269.5025%1,784
Noncurrent assets plus other real estate owned to assets0.3927%4,514
Noncurrent loans to loans0.4930%4,179
Net loans and leases to total assets70.1631%2,210
Net loans and leases to deposits80.8180%2,618
Net loans and leases to core deposits82.6017%3,038
Total domestic deposits to total assets86.8161%2,379
Equity capital to assets9.5946%4,596
Core capital (leverage) ratio9.4822%4,271
Tier 1 risk-based capital ratio11.7819%5,500
Total risk-based capital ratio12.9675%5,443
Memoranda:
Average total assets$386,549,6001,692
Average earning assets$370,473,6001,628
Average equity$37,062,6001,897
Average total loans$261,339,8001,621
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8475%4,378
Cost of funding earning assets0.3951%3,842
Net interest margin3.4524%4,012
Noninterest income to average assets0.8876%1,560
Noninterest expense to average assets3.4732%1,521
Loan and lease loss provision to assets0.0385%3,634
Net operating income to assets0.4681%5,002
Return on assets (ROA)0.4681%5,077
Pretax return on assets0.6776%4,774
Return on Equity (ROE)4.8826%4,777
Retained earnings to average equity (ytd only)2.8883%4,544
Net charge-offs to loans0.0671%3,244
Credit loss provision to net charge-offs86.0465%2,494
Earnings coverage of net charge-offs (x)15.9996%2,015
Efficiency ratio82.9054%1,507
Assets per employee ($millions)3.3161%5,212
Cash dividends to net income (ytd only)*40.8452%2,305
Condition Ratios (%)
Loss allowance to loans1.3469%3,408
Loan loss allowance to noncurrent loans169.5448%2,465
Noncurrent assets plus other real estate owned to assets0.6143%3,989
Noncurrent loans to loans0.7944%3,598
Net loans and leases to total assets68.7929%2,412
Net loans and leases to deposits80.6347%2,599
Net loans and leases to core deposits82.3201%3,069
Total domestic deposits to total assets85.3143%3,204
Equity capital to assets9.7206%4,534
Core capital (leverage) ratio9.8036%3,934
Tier 1 risk-based capital ratio12.4297%5,208
Total risk-based capital ratio13.6224%5,181
Memoranda:
Average total assets$384,266,7501,714
Average earning assets$367,503,5001,652
Average equity$36,837,2501,914
Average total loans$256,334,7501,658
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8006%4,521
Cost of funding earning assets0.4044%3,825
Net interest margin3.3962%4,194
Noninterest income to average assets0.8846%1,544
Noninterest expense to average assets3.4925%1,488
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.4446%5,038
Return on assets (ROA)0.4446%5,114
Pretax return on assets0.6362%4,831
Return on Equity (ROE)4.6600%4,835
Retained earnings to average equity (ytd only)2.2645%4,756
Net charge-offs to loans0.0824%2,865
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)11.7500%2,126
Efficiency ratio84.5902%1,434
Assets per employee ($millions)3.1468%5,515
Cash dividends to net income (ytd only)*51.4052%1,870
Condition Ratios (%)
Loss allowance to loans1.3670%3,502
Loan loss allowance to noncurrent loans134.0555%2,935
Noncurrent assets plus other real estate owned to assets0.7281%3,794
Noncurrent loans to loans1.0197%3,197
Net loans and leases to total assets65.7492%2,795
Net loans and leases to deposits75.1911%3,163
Net loans and leases to core deposits76.7076%3,558
Total domestic deposits to total assets87.4428%2,221
Equity capital to assets9.6062%4,613
Core capital (leverage) ratio9.6889%4,059
Tier 1 risk-based capital ratio12.4102%5,292
Total risk-based capital ratio13.5846%5,260
Memoranda:
Average total assets$384,133,6701,716
Average earning assets$366,942,6701,650
Average equity$36,652,3301,915
Average total loans$252,367,6701,681
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8382%4,332
Cost of funding earning assets0.4114%3,842
Net interest margin3.4268%4,001
Noninterest income to average assets0.8644%1,505
Noninterest expense to average assets3.5769%1,352
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.4014%5,108
Return on assets (ROA)0.4014%5,177
Pretax return on assets0.5613%4,981
Return on Equity (ROE)4.2212%4,921
Retained earnings to average equity (ytd only)1.6599%4,951
Net charge-offs to loans0.1346%1,903
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)6.3929%2,227
Efficiency ratio86.4360%1,400
Assets per employee ($millions)3.0490%5,777
Cash dividends to net income (ytd only)*60.6771%1,394
Condition Ratios (%)
Loss allowance to loans1.4175%3,512
Loan loss allowance to noncurrent loans116.6776%3,240
Noncurrent assets plus other real estate owned to assets0.9274%3,409
Noncurrent loans to loans1.2149%3,016
Net loans and leases to total assets63.7057%2,952
Net loans and leases to deposits73.4193%3,138
Net loans and leases to core deposits74.9858%3,525
Total domestic deposits to total assets86.7697%2,954
Equity capital to assets9.4520%4,559
Core capital (leverage) ratio9.6790%4,027
Tier 1 risk-based capital ratio13.0781%4,960
Total risk-based capital ratio14.3280%4,897
Memoranda:
Average total assets$382,673,5001,728
Average earning assets$365,588,0001,666
Average equity$36,388,0001,921
Average total loans$249,545,5001,698
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9369%4,332
Cost of funding earning assets0.4456%4,154
Net interest margin3.4913%3,942
Noninterest income to average assets1.0281%1,327
Noninterest expense to average assets3.4985%1,653
Loan and lease loss provision to assets-0.0724%6,438
Net operating income to assets0.6451%4,051
Return on assets (ROA)0.6451%4,163
Pretax return on assets0.9325%3,630
Return on Equity (ROE)6.8224%3,661
Retained earnings to average equity (ytd only)6.1886%1,858
Net charge-offs to loans0.2437%2,516
Credit loss provision to net charge-offs-45.6376%5,785
Earnings coverage of net charge-offs (x)5.4178%3,308
Efficiency ratio80.2677%2,110
Assets per employee ($millions)2.9541%5,902
Cash dividends to net income (ytd only)*9.2898%4,064
Condition Ratios (%)
Loss allowance to loans1.4590%3,379
Loan loss allowance to noncurrent loans107.6171%3,424
Noncurrent assets plus other real estate owned to assets1.0499%3,315
Noncurrent loans to loans1.3558%2,869
Net loans and leases to total assets64.8543%2,896
Net loans and leases to deposits74.1993%3,232
Net loans and leases to core deposits75.6971%3,640
Total domestic deposits to total assets87.4056%2,525
Equity capital to assets9.5671%4,324
Core capital (leverage) ratio9.7506%3,910
Tier 1 risk-based capital ratio13.1453%4,889
Total risk-based capital ratio14.3957%4,833
Memoranda:
Average total assets$375,444,6001,742
Average earning assets$358,150,2001,679
Average equity$35,500,8001,940
Average total loans$244,584,0001,699
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9804%4,209
Cost of funding earning assets0.4505%4,267
Net interest margin3.5299%3,758
Noninterest income to average assets1.0406%1,342
Noninterest expense to average assets3.5171%1,577
Loan and lease loss provision to assets-0.0338%6,520
Net operating income to assets0.6557%4,093
Return on assets (ROA)0.6557%4,222
Pretax return on assets0.9246%3,782
Return on Equity (ROE)6.9548%3,674
Retained earnings to average equity (ytd only)6.1057%2,342
Net charge-offs to loans0.2666%2,220
Credit loss provision to net charge-offs-19.5072%5,637
Earnings coverage of net charge-offs (x)5.1417%3,272
Efficiency ratio79.7902%2,134
Assets per employee ($millions)3.0236%5,806
Cash dividends to net income (ytd only)*12.2083%3,395
Condition Ratios (%)
Loss allowance to loans1.5937%3,025
Loan loss allowance to noncurrent loans112.3960%3,184
Noncurrent assets plus other real estate owned to assets1.0867%3,482
Noncurrent loans to loans1.4180%3,046
Net loans and leases to total assets63.9928%3,003
Net loans and leases to deposits73.7441%3,275
Net loans and leases to core deposits75.2553%3,705
Total domestic deposits to total assets86.7768%2,815
Equity capital to assets9.3203%4,778
Core capital (leverage) ratio9.4342%4,499
Tier 1 risk-based capital ratio12.9002%5,192
Total risk-based capital ratio14.1518%5,130
Memoranda:
Average total assets$374,773,5001,755
Average earning assets$357,511,0001,687
Average equity$35,332,0001,966
Average total loans$243,514,0001,705
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0136%4,048
Cost of funding earning assets0.4553%4,371
Net interest margin3.5583%3,524
Noninterest income to average assets1.0511%1,378
Noninterest expense to average assets3.5353%1,529
Loan and lease loss provision to assets0.0883%3,313
Net operating income to assets0.5962%4,304
Return on assets (ROA)0.5962%4,488
Pretax return on assets0.8236%4,228
Return on Equity (ROE)6.2996%3,994
Retained earnings to average equity (ytd only)5.4514%2,774
Net charge-offs to loans0.3650%1,742
Credit loss provision to net charge-offs37.2460%3,470
Earnings coverage of net charge-offs (x)3.8465%3,281
Efficiency ratio79.4946%2,224
Assets per employee ($millions)3.0639%5,740
Cash dividends to net income (ytd only)*13.4650%3,218
Condition Ratios (%)
Loss allowance to loans1.7187%2,711
Loan loss allowance to noncurrent loans82.1046%3,968
Noncurrent assets plus other real estate owned to assets1.5113%2,834
Noncurrent loans to loans2.0933%2,286
Net loans and leases to total assets63.0242%3,096
Net loans and leases to deposits72.1840%3,423
Net loans and leases to core deposits73.6534%3,858
Total domestic deposits to total assets87.3105%2,654
Equity capital to assets9.2526%4,919
Core capital (leverage) ratio9.3441%4,479
Tier 1 risk-based capital ratio12.8614%5,250
Total risk-based capital ratio14.0857%5,195
Memoranda:
Average total assets$373,715,0001,757
Average earning assets$356,690,0001,704
Average equity$35,367,3301,967
Average total loans$242,759,6701,703
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0731%3,828
Cost of funding earning assets0.4681%4,396
Net interest margin3.6050%3,239
Noninterest income to average assets1.0827%1,262
Noninterest expense to average assets3.6220%1,380
Loan and lease loss provision to assets0.0813%3,295
Net operating income to assets0.5961%4,239
Return on assets (ROA)0.5961%4,388
Pretax return on assets0.8183%4,100
Return on Equity (ROE)6.2265%3,925
Retained earnings to average equity (ytd only)5.3774%3,017
Net charge-offs to loans0.1376%2,580
Credit loss provision to net charge-offs90.3614%2,019
Earnings coverage of net charge-offs (x)10.0000%1,783
Efficiency ratio80.1055%2,323
Assets per employee ($millions)2.9646%6,052
Cash dividends to net income (ytd only)*13.6364%2,410
Condition Ratios (%)
Loss allowance to loans1.8454%2,463
Loan loss allowance to noncurrent loans97.1447%3,440
Noncurrent assets plus other real estate owned to assets1.5166%2,976
Noncurrent loans to loans1.8996%2,737
Net loans and leases to total assets63.9485%2,716
Net loans and leases to deposits73.7157%2,956
Net loans and leases to core deposits75.2156%3,435
Total domestic deposits to total assets86.7501%3,105
Equity capital to assets9.5296%4,809
Core capital (leverage) ratio9.4164%4,215
Tier 1 risk-based capital ratio13.4810%4,884
Total risk-based capital ratio14.7371%4,840
Memoranda:
Average total assets$369,079,5001,789
Average earning assets$352,063,5001,729
Average equity$35,333,0001,997
Average total loans$241,342,0001,720
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3972%3,821
Cost of funding earning assets0.5310%4,988
Net interest margin3.8662%2,965
Noninterest income to average assets1.1089%1,260
Noninterest expense to average assets3.7727%1,298
Loan and lease loss provision to assets0.2038%3,106
Net operating income to assets0.5799%4,334
Return on assets (ROA)0.5799%4,594
Pretax return on assets0.7914%4,328
Return on Equity (ROE)6.2474%4,044
Retained earnings to average equity (ytd only)6.2474%1,951
Net charge-offs to loans0.1434%4,261
Credit loss provision to net charge-offs221.5569%1,134
Earnings coverage of net charge-offs (x)10.8204%2,100
Efficiency ratio79.1279%2,261
Assets per employee ($millions)2.8938%6,161
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.8799%2,354
Loan loss allowance to noncurrent loans119.8136%2,844
Noncurrent assets plus other real estate owned to assets1.3804%3,328
Noncurrent loans to loans1.5690%3,268
Net loans and leases to total assets64.4017%2,825
Net loans and leases to deposits73.6953%3,147
Net loans and leases to core deposits76.2427%3,493
Total domestic deposits to total assets87.3892%2,583
Equity capital to assets9.6181%4,715
Core capital (leverage) ratio9.5369%4,057
Tier 1 risk-based capital ratio13.6592%4,634
Total risk-based capital ratio14.9156%4,577
Memoranda:
Average total assets$363,161,4001,791
Average earning assets$343,695,6001,733
Average equity$33,710,0002,049
Average total loans$232,969,6001,749
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4401%3,882
Cost of funding earning assets0.5411%5,154
Net interest margin3.8990%2,916
Noninterest income to average assets1.1110%1,222
Noninterest expense to average assets3.7805%1,244
Loan and lease loss provision to assets0.2720%2,400
Net operating income to assets0.5527%4,612
Return on assets (ROA)0.5527%4,866
Pretax return on assets0.7420%4,699
Return on Equity (ROE)6.0092%4,324
Retained earnings to average equity (ytd only)6.0092%2,693
Net charge-offs to loans0.1683%3,771
Credit loss provision to net charge-offs253.4247%1,083
Earnings coverage of net charge-offs (x)9.4487%2,321
Efficiency ratio78.8518%2,256
Assets per employee ($millions)2.7729%6,389
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.9151%2,426
Loan loss allowance to noncurrent loans112.0158%2,936
Noncurrent assets plus other real estate owned to assets1.6642%3,085
Noncurrent loans to loans1.7097%3,218
Net loans and leases to total assets64.5053%2,929
Net loans and leases to deposits74.1445%3,260
Net loans and leases to core deposits77.0858%3,590
Total domestic deposits to total assets86.9995%2,667
Equity capital to assets9.5675%5,117
Core capital (leverage) ratio9.3312%4,528
Tier 1 risk-based capital ratio13.4256%4,931
Total risk-based capital ratio14.6821%4,881
Memoranda:
Average total assets$362,797,7501,819
Average earning assets$342,745,0001,758
Average equity$33,370,2502,080
Average total loans$231,382,5001,775
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4217%4,100
Cost of funding earning assets0.5494%5,308
Net interest margin3.8723%3,029
Noninterest income to average assets1.0699%1,250
Noninterest expense to average assets3.7577%1,282
Loan and lease loss provision to assets0.2530%2,552
Net operating income to assets0.5358%4,653
Return on assets (ROA)0.5358%4,929
Pretax return on assets0.7113%4,800
Return on Equity (ROE)5.9034%4,364
Retained earnings to average equity (ytd only)5.9034%2,759
Net charge-offs to loans0.6066%1,802
Credit loss provision to net charge-offs66.0920%3,660
Earnings coverage of net charge-offs (x)2.5187%3,753
Efficiency ratio79.5783%2,256
Assets per employee ($millions)2.7958%6,408
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.5961%3,618
Loan loss allowance to noncurrent loans200.5720%1,710
Noncurrent assets plus other real estate owned to assets1.3651%3,704
Noncurrent loans to loans0.7958%4,919
Net loans and leases to total assets64.4323%2,949
Net loans and leases to deposits74.0401%3,289
Net loans and leases to core deposits76.8966%3,667
Total domestic deposits to total assets87.0235%2,752
Equity capital to assets9.1497%5,525
Core capital (leverage) ratio9.2075%4,600
Tier 1 risk-based capital ratio12.9481%5,217
Total risk-based capital ratio14.2008%5,197
Memoranda:
Average total assets$363,573,3301,814
Average earning assets$342,900,0001,755
Average equity$32,997,6702,085
Average total loans$229,489,0001,785
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4016%4,327
Cost of funding earning assets0.5568%5,451
Net interest margin3.8448%3,159
Noninterest income to average assets1.1828%1,021
Noninterest expense to average assets3.7158%1,354
Loan and lease loss provision to assets0.2993%2,089
Net operating income to assets0.5853%4,417
Return on assets (ROA)0.5853%4,636
Pretax return on assets0.7882%4,460
Return on Equity (ROE)6.4759%4,055
Retained earnings to average equity (ytd only)6.4759%2,705
Net charge-offs to loans0.3259%2,345
Credit loss provision to net charge-offs148.3516%1,686
Earnings coverage of net charge-offs (x)5.3901%2,386
Efficiency ratio77.3598%2,594
Assets per employee ($millions)2.8571%6,423
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.8374%2,875
Loan loss allowance to noncurrent loans95.1525%3,190
Noncurrent assets plus other real estate owned to assets1.9220%3,018
Noncurrent loans to loans1.9310%3,246
Net loans and leases to total assets61.0801%3,431
Net loans and leases to deposits70.4684%3,662
Net loans and leases to core deposits73.7234%3,930
Total domestic deposits to total assets86.6772%3,129
Equity capital to assets8.9996%5,491
Core capital (leverage) ratio9.1174%4,657
Tier 1 risk-based capital ratio13.2726%5,011
Total risk-based capital ratio14.5279%4,988
Memoranda:
Average total assets$360,834,5001,837
Average earning assets$339,785,5001,780
Average equity$32,613,0002,107
Average total loans$223,411,0001,830
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6552%4,436
Cost of funding earning assets0.6610%5,761
Net interest margin3.9942%2,914
Noninterest income to average assets1.2384%851
Noninterest expense to average assets3.8976%1,186
Loan and lease loss provision to assets0.6181%1,666
Net operating income to assets0.4133%4,801
Return on assets (ROA)0.4133%4,991
Pretax return on assets0.4833%5,039
Return on Equity (ROE)4.5757%4,586
Retained earnings to average equity (ytd only)4.5757%2,921
Net charge-offs to loans1.0556%1,640
Credit loss provision to net charge-offs89.2340%4,042
Earnings coverage of net charge-offs (x)1.5901%4,579
Efficiency ratio77.9690%2,590
Assets per employee ($millions)2.7173%6,585
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.8667%2,666
Loan loss allowance to noncurrent loans84.5137%3,520
Noncurrent assets plus other real estate owned to assets2.1381%2,805
Noncurrent loans to loans2.2087%2,939
Net loans and leases to total assets60.4485%3,907
Net loans and leases to deposits69.2743%4,232
Net loans and leases to core deposits72.5188%4,443
Total domestic deposits to total assets87.2597%2,605
Equity capital to assets9.0779%5,447
Core capital (leverage) ratio9.2169%4,442
Tier 1 risk-based capital ratio13.7528%4,516
Total risk-based capital ratio15.0084%4,473
Memoranda:
Average total assets$348,673,6001,859
Average earning assets$328,277,6001,798
Average equity$31,492,2002,105
Average total loans$228,779,0001,813
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6941%4,490
Cost of funding earning assets0.6817%5,867
Net interest margin4.0124%2,865
Noninterest income to average assets1.2105%899
Noninterest expense to average assets3.8752%1,192
Loan and lease loss provision to assets0.7246%1,324
Net operating income to assets0.3594%5,164
Return on assets (ROA)0.3594%5,351
Pretax return on assets0.3917%5,498
Return on Equity (ROE)3.9846%4,997
Retained earnings to average equity (ytd only)3.9846%3,883
Net charge-offs to loans1.3953%1,080
Credit loss provision to net charge-offs77.9248%4,212
Earnings coverage of net charge-offs (x)1.2005%4,726
Efficiency ratio77.6357%2,591
Assets per employee ($millions)2.6720%6,693
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.7224%3,196
Loan loss allowance to noncurrent loans66.6376%4,118
Noncurrent assets plus other real estate owned to assets2.5375%2,536
Noncurrent loans to loans2.5847%2,681
Net loans and leases to total assets61.7814%3,781
Net loans and leases to deposits70.4132%4,234
Net loans and leases to core deposits73.7189%4,493
Total domestic deposits to total assets87.7412%2,202
Equity capital to assets9.2146%5,490
Core capital (leverage) ratio9.0131%4,905
Tier 1 risk-based capital ratio13.3555%4,831
Total risk-based capital ratio14.6096%4,800
Memoranda:
Average total assets$346,851,0001,873
Average earning assets$326,841,5001,819
Average equity$31,286,7502,121
Average total loans$231,156,7501,818
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7585%4,257
Cost of funding earning assets0.7004%5,955
Net interest margin4.0581%2,583
Noninterest income to average assets1.1731%925
Noninterest expense to average assets3.9275%1,145
Loan and lease loss provision to assets0.8263%1,104
Net operating income to assets0.2714%5,477
Return on assets (ROA)0.2714%5,607
Pretax return on assets0.2459%5,817
Return on Equity (ROE)3.0309%5,380
Retained earnings to average equity (ytd only)3.0309%4,351
Net charge-offs to loans1.4341%1,048
Credit loss provision to net charge-offs84.8214%3,623
Earnings coverage of net charge-offs (x)1.1006%4,454
Efficiency ratio78.5549%2,620
Assets per employee ($millions)2.6020%6,789
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.8185%2,924
Loan loss allowance to noncurrent loans56.9879%4,605
Noncurrent assets plus other real estate owned to assets2.6257%2,537
Noncurrent loans to loans3.1911%2,246
Net loans and leases to total assets62.9862%3,678
Net loans and leases to deposits71.6711%4,168
Net loans and leases to core deposits75.5311%4,374
Total domestic deposits to total assets87.8823%2,224
Equity capital to assets8.9369%5,667
Core capital (leverage) ratio8.9894%4,738
Tier 1 risk-based capital ratio12.9488%4,954
Total risk-based capital ratio14.2043%4,934
Memoranda:
Average total assets$344,900,3301,893
Average earning assets$325,226,0001,832
Average equity$30,882,3302,134
Average total loans$234,301,0001,822
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8224%3,947
Cost of funding earning assets0.7158%6,053
Net interest margin4.1066%2,246
Noninterest income to average assets1.1073%1,065
Noninterest expense to average assets3.9682%1,076
Loan and lease loss provision to assets0.7901%1,079
Net operating income to assets0.2645%5,564
Return on assets (ROA)0.2645%5,625
Pretax return on assets0.2306%5,863
Return on Equity (ROE)2.9516%5,394
Retained earnings to average equity (ytd only)2.9516%4,394
Net charge-offs to loans1.1425%1,213
Credit loss provision to net charge-offs98.9736%2,758
Earnings coverage of net charge-offs (x)1.2786%3,710
Efficiency ratio79.5401%2,615
Assets per employee ($millions)2.6607%6,755
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.8665%2,799
Loan loss allowance to noncurrent loans44.8134%5,315
Noncurrent assets plus other real estate owned to assets2.9249%2,364
Noncurrent loans to loans4.1650%1,725
Net loans and leases to total assets66.0600%2,992
Net loans and leases to deposits75.0662%3,573
Net loans and leases to core deposits79.7413%3,791
Total domestic deposits to total assets88.0024%2,370
Equity capital to assets8.8984%5,350
Core capital (leverage) ratio9.0609%4,506
Tier 1 risk-based capital ratio12.6022%5,163
Total risk-based capital ratio13.8585%5,138
Memoranda:
Average total assets$341,718,5001,925
Average earning assets$322,994,0001,861
Average equity$30,627,5002,139
Average total loans$238,778,5001,802
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0446%4,348
Cost of funding earning assets0.7943%6,591
Net interest margin4.2503%1,994
Noninterest income to average assets1.0426%1,379
Noninterest expense to average assets3.8801%1,344
Loan and lease loss provision to assets2.1520%588
Net operating income to assets-0.4393%6,347
Return on assets (ROA)-0.4393%6,376
Pretax return on assets-0.9715%6,622
Return on Equity (ROE)-4.9092%6,426
Retained earnings to average equity (ytd only)-8.1120%6,545
Net charge-offs to loans2.5014%750
Credit loss provision to net charge-offs117.4217%3,641
Earnings coverage of net charge-offs (x)0.6441%5,467
Efficiency ratio76.6728%2,936
Assets per employee ($millions)2.5190%6,985
Cash dividends to net income (ytd only)*-65.2427%7,600
Condition Ratios (%)
Loss allowance to loans1.7788%2,929
Loan loss allowance to noncurrent loans37.4839%5,811
Noncurrent assets plus other real estate owned to assets3.5669%1,929
Noncurrent loans to loans4.7455%1,460
Net loans and leases to total assets71.2088%2,259
Net loans and leases to deposits81.6732%2,871
Net loans and leases to core deposits85.7810%3,350
Total domestic deposits to total assets87.1874%2,720
Equity capital to assets9.0287%5,099
Core capital (leverage) ratio9.1155%4,326
Tier 1 risk-based capital ratio12.1110%5,375
Total risk-based capital ratio13.3664%5,352
Memoranda:
Average total assets$351,720,0001,861
Average earning assets$332,491,8001,796
Average equity$31,471,8002,086
Average total loans$257,694,0001,719
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9810%4,903
Cost of funding earning assets0.8060%6,745
Net interest margin4.1750%2,319
Noninterest income to average assets1.0291%1,378
Noninterest expense to average assets3.9376%1,140
Loan and lease loss provision to assets2.6061%384
Net operating income to assets-0.8043%6,796
Return on assets (ROA)-0.8043%6,830
Pretax return on assets-1.5665%7,061
Return on Equity (ROE)-9.0075%6,885
Retained earnings to average equity (ytd only)-13.2486%7,015
Net charge-offs to loans3.2375%445
Credit loss provision to net charge-offs109.5960%3,874
Earnings coverage of net charge-offs (x)0.4372%5,589
Efficiency ratio79.1133%2,473
Assets per employee ($millions)2.5173%7,067
Cash dividends to net income (ytd only)*-47.0836%7,688
Condition Ratios (%)
Loss allowance to loans1.5372%3,787
Loan loss allowance to noncurrent loans36.6221%5,890
Noncurrent assets plus other real estate owned to assets3.2463%2,200
Noncurrent loans to loans4.1975%1,744
Net loans and leases to total assets71.8062%2,295
Net loans and leases to deposits81.7595%3,151
Net loans and leases to core deposits86.3602%3,598
Total domestic deposits to total assets87.8261%2,073
Equity capital to assets8.7561%5,924
Core capital (leverage) ratio8.8005%5,008
Tier 1 risk-based capital ratio11.6118%5,820
Total risk-based capital ratio12.8642%5,804
Memoranda:
Average total assets$355,264,0001,863
Average earning assets$335,960,2501,802
Average equity$31,720,7502,088
Average total loans$260,939,0001,720
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9639%5,111
Cost of funding earning assets0.8082%6,880
Net interest margin4.1557%2,313
Noninterest income to average assets1.0290%1,286
Noninterest expense to average assets3.7384%1,482
Loan and lease loss provision to assets1.9045%654
Net operating income to assets-0.2714%6,442
Return on assets (ROA)-0.2714%6,486
Pretax return on assets-0.6786%6,711
Return on Equity (ROE)-3.0215%6,520
Retained earnings to average equity (ytd only)-7.5475%6,781
Net charge-offs to loans0.2864%3,904
Credit loss provision to net charge-offs903.4301%414
Earnings coverage of net charge-offs (x)5.8153%2,590
Efficiency ratio75.3053%3,204
Assets per employee ($millions)2.5644%7,014
Cash dividends to net income (ytd only)*-149.7951%7,795
Condition Ratios (%)
Loss allowance to loans2.3846%1,446
Loan loss allowance to noncurrent loans54.8658%4,651
Noncurrent assets plus other real estate owned to assets3.3143%2,128
Noncurrent loans to loans4.3463%1,705
Net loans and leases to total assets72.0634%2,379
Net loans and leases to deposits82.1393%3,251
Net loans and leases to core deposits85.4016%3,917
Total domestic deposits to total assets87.7332%2,148
Equity capital to assets8.8411%5,685
Core capital (leverage) ratio8.8933%4,757
Tier 1 risk-based capital ratio11.9233%5,382
Total risk-based capital ratio13.1841%5,342
Memoranda:
Average total assets$359,567,0001,858
Average earning assets$340,496,0001,798
Average equity$32,302,0002,045
Average total loans$264,695,3301,718
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0843%4,607
Cost of funding earning assets0.8142%7,041
Net interest margin4.2700%1,783
Noninterest income to average assets0.9869%1,342
Noninterest expense to average assets3.7416%1,429
Loan and lease loss provision to assets0.4984%2,507
Net operating income to assets0.6181%3,816
Return on assets (ROA)0.6181%3,953
Pretax return on assets0.7898%3,908
Return on Equity (ROE)6.8265%3,437
Retained earnings to average equity (ytd only)2.0064%4,928
Net charge-offs to loans0.2697%3,334
Credit loss provision to net charge-offs251.3966%1,531
Earnings coverage of net charge-offs (x)6.4972%2,215
Efficiency ratio74.3889%3,513
Assets per employee ($millions)2.5111%7,182
Cash dividends to net income (ytd only)*70.6093%1,025
Condition Ratios (%)
Loss allowance to loans1.3273%4,790
Loan loss allowance to noncurrent loans74.5052%3,646
Noncurrent assets plus other real estate owned to assets1.3906%4,423
Noncurrent loans to loans1.7814%4,079
Net loans and leases to total assets70.5104%2,797
Net loans and leases to deposits80.1750%3,630
Net loans and leases to core deposits89.2539%3,464
Total domestic deposits to total assets87.9455%2,097
Equity capital to assets8.8719%5,442
Core capital (leverage) ratio9.2986%4,061
Tier 1 risk-based capital ratio12.2527%4,940
Total risk-based capital ratio13.5030%4,913
Memoranda:
Average total assets$361,125,5001,897
Average earning assets$341,916,5001,829
Average equity$32,696,0002,056
Average total loans$265,470,5001,772
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6962%3,119
Cost of funding earning assets1.0740%7,048
Net interest margin4.6223%943
Noninterest income to average assets1.0503%1,407
Noninterest expense to average assets3.9361%1,460
Loan and lease loss provision to assets0.4709%3,996
Net operating income to assets0.7799%2,602
Return on assets (ROA)0.7799%2,695
Pretax return on assets0.9980%2,601
Return on Equity (ROE)8.4428%2,220
Retained earnings to average equity (ytd only)2.7219%3,249
Net charge-offs to loans0.3575%4,440
Credit loss provision to net charge-offs173.9639%2,426
Earnings coverage of net charge-offs (x)5.4261%2,604
Efficiency ratio72.8231%4,130
Assets per employee ($millions)2.3699%7,392
Cash dividends to net income (ytd only)*67.7610%1,661
Condition Ratios (%)
Loss allowance to loans1.2090%5,304
Loan loss allowance to noncurrent loans171.8999%1,707
Noncurrent assets plus other real estate owned to assets0.6360%5,871
Noncurrent loans to loans0.7033%5,836
Net loans and leases to total assets74.7436%2,089
Net loans and leases to deposits91.8702%1,916
Net loans and leases to core deposits104.0294%3,576
Total domestic deposits to total assets81.3578%5,210
Equity capital to assets9.2442%4,783
Core capital (leverage) ratio9.4715%3,753
Tier 1 risk-based capital ratio12.1075%4,843
Total risk-based capital ratio13.2691%4,883
Memoranda:
Average total assets$347,599,2001,963
Average earning assets$327,479,0001,899
Average equity$32,110,2002,080
Average total loans$263,221,2001,809
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7397%3,140
Cost of funding earning assets1.1341%7,083
Net interest margin4.6056%983
Noninterest income to average assets1.1029%1,301
Noninterest expense to average assets3.9477%1,358
Loan and lease loss provision to assets0.3851%4,014
Net operating income to assets0.8457%2,636
Return on assets (ROA)0.8457%2,701
Pretax return on assets1.1099%2,534
Return on Equity (ROE)9.1564%2,208
Retained earnings to average equity (ytd only)3.0604%3,612
Net charge-offs to loans0.2359%4,578
Credit loss provision to net charge-offs215.5172%2,033
Earnings coverage of net charge-offs (x)8.3664%2,255
Efficiency ratio72.5324%4,144
Assets per employee ($millions)2.3312%7,467
Cash dividends to net income (ytd only)*66.5754%1,382
Condition Ratios (%)
Loss allowance to loans1.1453%5,437
Loan loss allowance to noncurrent loans136.0816%2,092
Noncurrent assets plus other real estate owned to assets0.7210%5,688
Noncurrent loans to loans0.8416%5,612
Net loans and leases to total assets75.2741%2,167
Net loans and leases to deposits89.1281%2,762
Net loans and leases to core deposits109.5254%3,291
Total domestic deposits to total assets84.4561%3,501
Equity capital to assets9.1786%5,202
Core capital (leverage) ratio9.4814%3,935
Tier 1 risk-based capital ratio11.9977%4,983
Total risk-based capital ratio13.0963%5,046
Memoranda:
Average total assets$346,219,5001,979
Average earning assets$326,233,5001,923
Average equity$31,977,0002,111
Average total loans$262,235,7501,836
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7409%3,339
Cost of funding earning assets1.2212%7,044
Net interest margin4.5197%1,122
Noninterest income to average assets1.0869%1,353
Noninterest expense to average assets3.9903%1,328
Loan and lease loss provision to assets0.2788%4,343
Net operating income to assets0.8208%2,774
Return on assets (ROA)0.8208%2,870
Pretax return on assets1.0747%2,718
Return on Equity (ROE)8.8684%2,407
Retained earnings to average equity (ytd only)2.2783%4,068
Net charge-offs to loans0.1813%4,436
Credit loss provision to net charge-offs203.3898%2,239
Earnings coverage of net charge-offs (x)9.8729%2,060
Efficiency ratio74.6712%3,925
Assets per employee ($millions)2.3862%7,451
Cash dividends to net income (ytd only)*74.3100%1,233
Condition Ratios (%)
Loss allowance to loans1.0374%5,978
Loan loss allowance to noncurrent loans169.0809%1,763
Noncurrent assets plus other real estate owned to assets0.5516%6,040
Noncurrent loans to loans0.6136%6,029
Net loans and leases to total assets75.0388%2,426
Net loans and leases to deposits92.8295%2,311
Net loans and leases to core deposits104.8785%3,970
Total domestic deposits to total assets80.8350%5,136
Equity capital to assets9.0571%5,231
Core capital (leverage) ratio9.4390%3,975
Tier 1 risk-based capital ratio11.8980%5,002
Total risk-based capital ratio12.8949%5,177
Memoranda:
Average total assets$344,287,6702,007
Average earning assets$324,271,3301,956
Average equity$31,866,0002,123
Average total loans$260,299,0001,884
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7399%3,587
Cost of funding earning assets1.2882%7,053
Net interest margin4.4517%1,230
Noninterest income to average assets1.1017%1,232
Noninterest expense to average assets3.8005%1,474
Loan and lease loss provision to assets0.2825%3,698
Net operating income to assets0.9086%2,666
Return on assets (ROA)0.9086%2,814
Pretax return on assets1.2123%2,584
Return on Equity (ROE)9.7089%2,438
Retained earnings to average equity (ytd only)1.6852%4,903
Net charge-offs to loans0.1497%3,765
Credit loss provision to net charge-offs250.0000%1,869
Earnings coverage of net charge-offs (x)13.2292%1,746
Efficiency ratio71.7715%4,227
Assets per employee ($millions)2.2269%7,677
Cash dividends to net income (ytd only)*82.6425%1,005
Condition Ratios (%)
Loss allowance to loans1.0234%6,004
Loan loss allowance to noncurrent loans182.9802%1,806
Noncurrent assets plus other real estate owned to assets0.5033%5,960
Noncurrent loans to loans0.5593%6,016
Net loans and leases to total assets75.4932%2,390
Net loans and leases to deposits89.3249%3,045
Net loans and leases to core deposits107.3639%3,759
Total domestic deposits to total assets84.5152%3,454
Equity capital to assets9.2784%4,970
Core capital (leverage) ratio9.6893%3,770
Tier 1 risk-based capital ratio12.1408%4,830
Total risk-based capital ratio13.1279%4,964
Memoranda:
Average total assets$339,851,5002,045
Average earning assets$320,147,0001,983
Average equity$31,806,0002,129
Average total loans$256,556,0001,920
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0909%5,097
Cost of funding earning assets1.8875%6,769
Net interest margin4.2034%2,301
Noninterest income to average assets1.1291%1,224
Noninterest expense to average assets3.8813%1,592
Loan and lease loss provision to assets0.1336%5,652
Net operating income to assets0.8641%3,152
Return on assets (ROA)0.8909%2,880
Pretax return on assets1.1085%3,000
Return on Equity (ROE)8.8374%2,698
Retained earnings to average equity (ytd only)1.9618%4,010
Net charge-offs to loans0.1263%4,976
Credit loss provision to net charge-offs145.3608%3,631
Earnings coverage of net charge-offs (x)13.1478%2,165
Efficiency ratio76.2041%3,207
Assets per employee ($millions)2.2302%7,662
Cash dividends to net income (ytd only)*77.8014%1,812
Condition Ratios (%)
Loss allowance to loans1.0074%5,967
Loan loss allowance to noncurrent loans168.7084%2,241
Noncurrent assets plus other real estate owned to assets0.4911%5,733
Noncurrent loans to loans0.5971%5,582
Net loans and leases to total assets73.9407%3,117
Net loans and leases to deposits89.7947%3,486
Net loans and leases to core deposits99.4862%4,873
Total domestic deposits to total assets82.3441%4,062
Equity capital to assets9.4407%4,768
Core capital (leverage) ratio9.9652%3,478
Tier 1 risk-based capital ratio12.4050%4,502
Total risk-based capital ratio13.3637%4,614
Memoranda:
Average total assets$316,544,2002,115
Average earning assets$298,283,0002,051
Average equity$31,910,0002,119
Average total loans$230,398,6002,044