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Citizens Bank of Kentucky, Inc., Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9301%4,002
Cost of funding earning assets0.2971%2,434
Net interest margin2.6330%3,990
Noninterest income to average assets0.7040%1,759
Noninterest expense to average assets2.2660%2,899
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.7315%3,541
Return on assets (ROA)0.7328%3,596
Pretax return on assets0.8543%3,613
Return on Equity (ROE)5.9001%3,797
Retained earnings to average equity (ytd only)4.2183%3,123
Net charge-offs to loans0.0637%1,150
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)28.4043%1,650
Efficiency ratio72.0229%1,510
Assets per employee ($millions)5.6832%3,077
Cash dividends to net income (ytd only)*28.5053%2,647
Condition Ratios (%)
Loss allowance to loans1.0837%3,424
Loan loss allowance to noncurrent loans1,283.1579%729
Noncurrent assets plus other real estate owned to assets0.1175%3,105
Noncurrent loans to loans0.0845%3,512
Net loans and leases to total assets43.1872%3,896
Net loans and leases to deposits50.8944%3,819
Net loans and leases to core deposits54.3051%3,735
Total domestic deposits to total assets84.8565%3,315
Equity capital to assets12.4840%1,067
Core capital (leverage) ratio10.3350%2,046
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.5256%597
Memoranda:
Average total assets$766,002,6001,201
Average earning assets$702,533,6001,217
Average equity$95,134,0001,049
Average total loans$361,321,8001,487
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9486%4,082
Cost of funding earning assets0.3136%2,469
Net interest margin2.6350%4,083
Noninterest income to average assets0.6641%1,959
Noninterest expense to average assets2.2042%3,057
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.7376%3,679
Return on assets (ROA)0.7388%3,741
Pretax return on assets0.8785%3,742
Return on Equity (ROE)5.9566%3,923
Retained earnings to average equity (ytd only)4.2688%3,490
Net charge-offs to loans0.0682%964
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)26.7447%1,595
Efficiency ratio70.8940%1,505
Assets per employee ($millions)5.7083%2,980
Cash dividends to net income (ytd only)*28.3353%2,155
Condition Ratios (%)
Loss allowance to loans1.0153%3,792
Loan loss allowance to noncurrent loans92.0378%3,488
Noncurrent assets plus other real estate owned to assets0.6437%1,177
Noncurrent loans to loans1.1032%1,014
Net loans and leases to total assets46.4513%3,758
Net loans and leases to deposits54.5965%3,689
Net loans and leases to core deposits58.1166%3,622
Total domestic deposits to total assets85.0812%3,087
Equity capital to assets12.2855%1,268
Core capital (leverage) ratio10.2193%2,297
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.9557%821
Memoranda:
Average total assets$764,275,7501,215
Average earning assets$701,096,0001,229
Average equity$94,795,0001,067
Average total loans$367,288,5001,494
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9561%4,128
Cost of funding earning assets0.3376%2,428
Net interest margin2.6184%4,134
Noninterest income to average assets0.6792%1,890
Noninterest expense to average assets2.2098%3,063
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.7272%3,693
Return on assets (ROA)0.7290%3,756
Pretax return on assets0.8689%3,726
Return on Equity (ROE)5.8582%3,942
Retained earnings to average equity (ytd only)4.1669%3,469
Net charge-offs to loans0.0315%1,340
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)56.8103%997
Efficiency ratio71.1843%1,507
Assets per employee ($millions)5.5978%3,018
Cash dividends to net income (ytd only)*28.8704%2,099
Condition Ratios (%)
Loss allowance to loans1.0399%3,676
Loan loss allowance to noncurrent loans86.1417%3,501
Noncurrent assets plus other real estate owned to assets0.7187%1,145
Noncurrent loans to loans1.2071%997
Net loans and leases to total assets46.8316%3,842
Net loans and leases to deposits55.5195%3,751
Net loans and leases to core deposits59.0661%3,682
Total domestic deposits to total assets84.3517%3,327
Equity capital to assets12.2745%1,233
Core capital (leverage) ratio10.0008%2,400
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5150%887
Memoranda:
Average total assets$760,260,3331,221
Average earning assets$696,063,0001,225
Average equity$94,601,6671,062
Average total loans$368,281,0001,490
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0100%4,061
Cost of funding earning assets0.3669%2,382
Net interest margin2.6432%4,068
Noninterest income to average assets0.6708%1,956
Noninterest expense to average assets2.2195%3,044
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.7279%3,641
Return on assets (ROA)0.7315%3,699
Pretax return on assets0.8758%3,655
Return on Equity (ROE)5.8376%3,905
Retained earnings to average equity (ytd only)4.1381%3,466
Net charge-offs to loans0.0695%858
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)25.5781%1,154
Efficiency ratio71.1505%1,590
Assets per employee ($millions)5.6683%2,951
Cash dividends to net income (ytd only)*29.1121%1,743
Condition Ratios (%)
Loss allowance to loans1.0627%3,605
Loan loss allowance to noncurrent loans83.1991%3,556
Noncurrent assets plus other real estate owned to assets0.7493%1,221
Noncurrent loans to loans1.2773%1,016
Net loans and leases to total assets46.5135%3,924
Net loans and leases to deposits55.1997%3,850
Net loans and leases to core deposits58.8443%3,780
Total domestic deposits to total assets84.2641%3,351
Equity capital to assets12.2527%1,173
Core capital (leverage) ratio10.4073%2,155
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.9342%800
Memoranda:
Average total assets$751,341,5001,211
Average earning assets$687,962,5001,235
Average equity$94,148,5001,059
Average total loans$368,309,0001,496
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5687%3,881
Cost of funding earning assets0.6752%1,848
Net interest margin2.8935%4,119
Noninterest income to average assets0.6325%2,092
Noninterest expense to average assets2.4287%3,058
Loan and lease loss provision to assets0.0494%3,777
Net operating income to assets0.7012%3,430
Return on assets (ROA)0.7020%3,559
Pretax return on assets0.7760%3,689
Return on Equity (ROE)5.3489%3,797
Retained earnings to average equity (ytd only)3.1807%3,242
Net charge-offs to loans0.1212%1,282
Credit loss provision to net charge-offs73.5169%3,029
Earnings coverage of net charge-offs (x)12.2775%2,344
Efficiency ratio73.9963%1,446
Assets per employee ($millions)5.3829%2,976
Cash dividends to net income (ytd only)*40.5351%2,342
Condition Ratios (%)
Loss allowance to loans1.0314%3,750
Loan loss allowance to noncurrent loans79.6843%3,604
Noncurrent assets plus other real estate owned to assets0.8308%1,219
Noncurrent loans to loans1.2944%1,056
Net loans and leases to total assets50.5758%3,781
Net loans and leases to deposits60.2654%3,738
Net loans and leases to core deposits64.7532%3,644
Total domestic deposits to total assets83.9217%3,138
Equity capital to assets12.8192%1,171
Core capital (leverage) ratio10.5162%2,150
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.4477%845
Memoranda:
Average total assets$702,877,2001,179
Average earning assets$636,588,4001,200
Average equity$92,243,6001,036
Average total loans$389,391,2001,402
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6641%3,877
Cost of funding earning assets0.7494%1,752
Net interest margin2.9147%4,153
Noninterest income to average assets0.6482%1,991
Noninterest expense to average assets2.5188%2,781
Loan and lease loss provision to assets0.0667%3,501
Net operating income to assets0.6488%3,631
Return on assets (ROA)0.6499%3,732
Pretax return on assets0.6956%3,912
Return on Equity (ROE)4.9219%3,916
Retained earnings to average equity (ytd only)2.5947%3,687
Net charge-offs to loans0.1685%872
Credit loss provision to net charge-offs69.9597%2,810
Earnings coverage of net charge-offs (x)7.9899%2,533
Efficiency ratio76.1330%1,195
Assets per employee ($millions)5.0535%3,175
Cash dividends to net income (ytd only)*47.2813%1,606
Condition Ratios (%)
Loss allowance to loans1.0065%3,684
Loan loss allowance to noncurrent loans84.2714%3,499
Noncurrent assets plus other real estate owned to assets0.8627%1,346
Noncurrent loans to loans1.1944%1,273
Net loans and leases to total assets52.5746%3,924
Net loans and leases to deposits63.1568%3,849
Net loans and leases to core deposits69.5213%3,658
Total domestic deposits to total assets83.2446%3,079
Equity capital to assets12.8943%1,231
Core capital (leverage) ratio10.2902%2,445
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.3000%1,006
Memoranda:
Average total assets$694,232,0001,168
Average earning assets$626,822,7501,201
Average equity$91,670,5001,030
Average total loans$392,523,5001,373
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8308%3,786
Cost of funding earning assets0.8021%1,814
Net interest margin3.0286%4,059
Noninterest income to average assets0.6335%2,002
Noninterest expense to average assets2.5986%2,670
Loan and lease loss provision to assets0.1013%2,999
Net operating income to assets0.6023%3,729
Return on assets (ROA)0.6028%3,806
Pretax return on assets0.6636%3,946
Return on Equity (ROE)4.5280%3,966
Retained earnings to average equity (ytd only)1.0179%4,094
Net charge-offs to loans0.2660%594
Credit loss provision to net charge-offs65.9696%2,568
Earnings coverage of net charge-offs (x)4.9753%2,552
Efficiency ratio76.6198%1,206
Assets per employee ($millions)5.0311%3,133
Cash dividends to net income (ytd only)*77.5194%796
Condition Ratios (%)
Loss allowance to loans0.9868%3,641
Loan loss allowance to noncurrent loans78.0970%3,550
Noncurrent assets plus other real estate owned to assets0.8708%1,424
Noncurrent loans to loans1.2635%1,232
Net loans and leases to total assets52.0041%4,029
Net loans and leases to deposits61.7382%4,018
Net loans and leases to core deposits68.2037%3,849
Total domestic deposits to total assets84.2332%2,672
Equity capital to assets12.4515%1,400
Core capital (leverage) ratio10.3666%2,471
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0180%1,055
Memoranda:
Average total assets$684,759,0001,165
Average earning assets$617,109,0001,195
Average equity$91,167,0001,025
Average total loans$395,433,3331,341
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1554%3,362
Cost of funding earning assets0.8733%1,998
Net interest margin3.2820%3,637
Noninterest income to average assets0.6998%1,649
Noninterest expense to average assets2.8265%2,353
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.7492%3,096
Return on assets (ROA)0.7503%3,169
Pretax return on assets0.8221%3,353
Return on Equity (ROE)5.4373%3,495
Retained earnings to average equity (ytd only)1.9095%3,478
Net charge-offs to loans0.1303%937
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)10.3769%1,767
Efficiency ratio76.8602%1,467
Assets per employee ($millions)4.5420%3,208
Cash dividends to net income (ytd only)*64.8824%1,292
Condition Ratios (%)
Loss allowance to loans0.9787%3,814
Loan loss allowance to noncurrent loans77.4232%3,613
Noncurrent assets plus other real estate owned to assets1.0035%1,313
Noncurrent loans to loans1.2641%1,294
Net loans and leases to total assets59.6355%3,536
Net loans and leases to deposits71.8787%3,438
Net loans and leases to core deposits81.6218%3,048
Total domestic deposits to total assets82.9669%3,124
Equity capital to assets13.9505%1,074
Core capital (leverage) ratio11.1940%2,319
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.9105%1,157
Memoranda:
Average total assets$657,352,0001,178
Average earning assets$590,370,5001,205
Average equity$90,706,5001,026
Average total loans$398,929,5001,297
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4574%3,096
Cost of funding earning assets0.7805%2,772
Net interest margin3.6769%2,879
Noninterest income to average assets0.8807%1,220
Noninterest expense to average assets2.8390%2,479
Loan and lease loss provision to assets0.2160%911
Net operating income to assets1.0177%2,785
Return on assets (ROA)1.0211%2,855
Pretax return on assets1.1127%3,125
Return on Equity (ROE)7.3698%3,415
Retained earnings to average equity (ytd only)3.6681%3,160
Net charge-offs to loans0.0257%2,879
Credit loss provision to net charge-offs1,308.7379%264
Earnings coverage of net charge-offs (x)80.2718%790
Efficiency ratio67.5968%2,518
Assets per employee ($millions)4.3166%3,483
Cash dividends to net income (ytd only)*50.2276%2,031
Condition Ratios (%)
Loss allowance to loans0.9999%3,517
Loan loss allowance to noncurrent loans150.7704%2,585
Noncurrent assets plus other real estate owned to assets0.6865%1,883
Noncurrent loans to loans0.6632%2,232
Net loans and leases to total assets60.5400%3,542
Net loans and leases to deposits73.0012%3,438
Net loans and leases to core deposits82.3737%3,090
Total domestic deposits to total assets82.9301%3,221
Equity capital to assets13.6464%1,229
Core capital (leverage) ratio11.1541%2,371
Tier 1 risk-based capital ratio16.8365%2,109
Total risk-based capital ratio17.7854%2,148
Memoranda:
Average total assets$623,959,4001,189
Average earning assets$557,184,6001,219
Average equity$86,447,2001,020
Average total loans$400,865,0001,267
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4817%3,123
Cost of funding earning assets0.7420%3,001
Net interest margin3.7397%2,791
Noninterest income to average assets0.7663%1,533
Noninterest expense to average assets2.8674%2,354
Loan and lease loss provision to assets0.2702%579
Net operating income to assets0.9069%3,319
Return on assets (ROA)0.9114%3,386
Pretax return on assets0.9754%3,662
Return on Equity (ROE)6.5517%3,859
Retained earnings to average equity (ytd only)2.8168%3,964
Net charge-offs to loans0.0203%2,706
Credit loss provision to net charge-offs2,045.9016%198
Earnings coverage of net charge-offs (x)93.9688%782
Efficiency ratio69.2012%2,224
Assets per employee ($millions)4.0624%3,817
Cash dividends to net income (ytd only)*57.0072%1,404
Condition Ratios (%)
Loss allowance to loans0.9542%3,806
Loan loss allowance to noncurrent loans84.6862%3,551
Noncurrent assets plus other real estate owned to assets0.7444%1,849
Noncurrent loans to loans1.1267%1,411
Net loans and leases to total assets63.5424%3,330
Net loans and leases to deposits77.2206%3,179
Net loans and leases to core deposits86.3635%2,875
Total domestic deposits to total assets82.2869%3,391
Equity capital to assets13.6606%1,289
Core capital (leverage) ratio11.1859%2,482
Tier 1 risk-based capital ratio15.9870%2,432
Total risk-based capital ratio16.8939%2,522
Memoranda:
Average total assets$615,919,2501,200
Average earning assets$550,405,5001,234
Average equity$85,674,7501,022
Average total loans$400,774,5001,275
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5000%3,018
Cost of funding earning assets0.6798%3,276
Net interest margin3.8202%2,517
Noninterest income to average assets0.7654%1,456
Noninterest expense to average assets2.9327%2,188
Loan and lease loss provision to assets0.3789%327
Net operating income to assets0.8409%3,508
Return on assets (ROA)0.8480%3,538
Pretax return on assets0.8684%3,934
Return on Equity (ROE)6.0575%4,033
Retained earnings to average equity (ytd only)2.2848%4,018
Net charge-offs to loans-0.0162%4,479
Credit loss provision to net charge-offs-3,587.5000%4,455
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6883%2,274
Assets per employee ($millions)4.0542%3,799
Cash dividends to net income (ytd only)*62.2810%1,337
Condition Ratios (%)
Loss allowance to loans0.9644%3,805
Loan loss allowance to noncurrent loans128.3160%2,908
Noncurrent assets plus other real estate owned to assets0.5238%2,465
Noncurrent loans to loans0.7516%2,105
Net loans and leases to total assets65.3432%3,185
Net loans and leases to deposits79.7984%2,976
Net loans and leases to core deposits87.9216%2,803
Total domestic deposits to total assets81.8854%3,549
Equity capital to assets13.9974%1,118
Core capital (leverage) ratio11.5914%2,095
Tier 1 risk-based capital ratio15.6540%2,563
Total risk-based capital ratio16.5550%2,642
Memoranda:
Average total assets$605,919,6701,215
Average earning assets$540,444,3301,254
Average equity$84,821,0001,025
Average total loans$396,237,3301,284
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4314%3,112
Cost of funding earning assets0.6599%3,265
Net interest margin3.7715%2,627
Noninterest income to average assets0.7756%1,349
Noninterest expense to average assets2.9636%2,095
Loan and lease loss provision to assets0.5031%215
Net operating income to assets0.6369%4,130
Return on assets (ROA)0.6414%4,155
Pretax return on assets0.6774%4,353
Return on Equity (ROE)4.5813%4,449
Retained earnings to average equity (ytd only)0.7635%4,370
Net charge-offs to loans0.0503%1,563
Credit loss provision to net charge-offs1,536.7347%252
Earnings coverage of net charge-offs (x)35.9184%1,223
Efficiency ratio70.9813%2,190
Assets per employee ($millions)4.1077%3,755
Cash dividends to net income (ytd only)*83.3333%872
Condition Ratios (%)
Loss allowance to loans0.8750%4,259
Loan loss allowance to noncurrent loans107.7616%3,268
Noncurrent assets plus other real estate owned to assets0.5991%2,275
Noncurrent loans to loans0.8119%2,015
Net loans and leases to total assets64.6818%3,208
Net loans and leases to deposits78.9322%2,958
Net loans and leases to core deposits85.9173%2,876
Total domestic deposits to total assets81.9460%3,738
Equity capital to assets13.9347%1,068
Core capital (leverage) ratio11.7363%1,947
Tier 1 risk-based capital ratio15.9470%2,460
Total risk-based capital ratio16.7631%2,563
Memoranda:
Average total assets$598,735,5001,226
Average earning assets$534,001,5001,269
Average equity$83,819,5001,029
Average total loans$389,724,5001,313
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2615%3,236
Cost of funding earning assets0.5807%2,850
Net interest margin3.6808%3,113
Noninterest income to average assets0.9219%1,127
Noninterest expense to average assets3.0124%2,017
Loan and lease loss provision to assets0.0849%2,435
Net operating income to assets0.9726%3,129
Return on assets (ROA)0.9850%3,078
Pretax return on assets1.1088%3,233
Return on Equity (ROE)7.1144%3,787
Retained earnings to average equity (ytd only)3.1879%3,805
Net charge-offs to loans0.2018%947
Credit loss provision to net charge-offs69.0608%3,004
Earnings coverage of net charge-offs (x)9.5925%2,798
Efficiency ratio71.2456%2,009
Assets per employee ($millions)4.0657%3,800
Cash dividends to net income (ytd only)*55.1914%1,719
Condition Ratios (%)
Loss allowance to loans0.7229%4,754
Loan loss allowance to noncurrent loans84.2057%3,668
Noncurrent assets plus other real estate owned to assets0.6241%2,173
Noncurrent loans to loans0.8585%1,880
Net loans and leases to total assets64.4554%3,305
Net loans and leases to deposits78.6641%3,084
Net loans and leases to core deposits85.4810%2,955
Total domestic deposits to total assets81.9376%3,656
Equity capital to assets14.0662%947
Core capital (leverage) ratio11.8690%1,821
Tier 1 risk-based capital ratio16.1475%2,358
Total risk-based capital ratio16.8056%2,520
Memoranda:
Average total assets$588,657,4001,225
Average earning assets$523,010,0001,260
Average equity$81,496,2001,012
Average total loans$358,688,0001,372
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2055%3,301
Cost of funding earning assets0.5610%2,781
Net interest margin3.6445%3,209
Noninterest income to average assets0.9365%1,086
Noninterest expense to average assets3.0439%1,890
Loan and lease loss provision to assets0.0680%2,616
Net operating income to assets0.9452%3,322
Return on assets (ROA)0.9609%3,274
Pretax return on assets1.0779%3,476
Return on Equity (ROE)6.9689%3,944
Retained earnings to average equity (ytd only)3.0252%4,227
Net charge-offs to loans0.1490%1,108
Credit loss provision to net charge-offs76.1421%2,570
Earnings coverage of net charge-offs (x)12.6371%2,437
Efficiency ratio72.3456%1,830
Assets per employee ($millions)4.0145%3,864
Cash dividends to net income (ytd only)*56.5904%1,350
Condition Ratios (%)
Loss allowance to loans0.7916%4,646
Loan loss allowance to noncurrent loans90.0528%3,629
Noncurrent assets plus other real estate owned to assets0.6756%2,174
Noncurrent loans to loans0.8791%1,941
Net loans and leases to total assets61.9418%3,663
Net loans and leases to deposits75.5359%3,450
Net loans and leases to core deposits81.8193%3,338
Total domestic deposits to total assets82.0031%3,608
Equity capital to assets13.7608%1,033
Core capital (leverage) ratio11.7554%1,957
Tier 1 risk-based capital ratio16.3441%2,319
Total risk-based capital ratio17.0571%2,459
Memoranda:
Average total assets$588,440,0001,230
Average earning assets$522,418,5001,265
Average equity$81,139,2501,011
Average total loans$352,672,7501,391
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1517%3,276
Cost of funding earning assets0.5348%2,733
Net interest margin3.6169%3,246
Noninterest income to average assets0.9698%1,012
Noninterest expense to average assets3.0977%1,788
Loan and lease loss provision to assets0.0679%2,523
Net operating income to assets0.9104%3,418
Return on assets (ROA)0.9104%3,421
Pretax return on assets1.0132%3,626
Return on Equity (ROE)6.5977%4,025
Retained earnings to average equity (ytd only)2.6617%4,190
Net charge-offs to loans0.1252%1,178
Credit loss provision to net charge-offs91.7431%2,141
Earnings coverage of net charge-offs (x)14.6101%2,088
Efficiency ratio73.5196%1,781
Assets per employee ($millions)4.0066%3,884
Cash dividends to net income (ytd only)*59.6570%1,339
Condition Ratios (%)
Loss allowance to loans0.8334%4,595
Loan loss allowance to noncurrent loans84.6044%3,754
Noncurrent assets plus other real estate owned to assets0.8569%1,744
Noncurrent loans to loans0.9850%1,775
Net loans and leases to total assets60.0647%3,803
Net loans and leases to deposits72.9428%3,633
Net loans and leases to core deposits78.6342%3,525
Total domestic deposits to total assets82.3449%3,617
Equity capital to assets13.7361%1,016
Core capital (leverage) ratio11.5280%2,046
Tier 1 risk-based capital ratio16.1966%2,369
Total risk-based capital ratio16.9323%2,502
Memoranda:
Average total assets$589,212,3301,226
Average earning assets$522,774,0001,268
Average equity$81,300,6701,012
Average total loans$348,246,3301,415
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0719%3,332
Cost of funding earning assets0.5074%2,736
Net interest margin3.5645%3,299
Noninterest income to average assets1.0093%897
Noninterest expense to average assets3.1704%1,633
Loan and lease loss provision to assets0.0679%2,407
Net operating income to assets0.8498%3,505
Return on assets (ROA)0.8498%3,523
Pretax return on assets0.9373%3,736
Return on Equity (ROE)6.1448%4,110
Retained earnings to average equity (ytd only)2.2184%4,281
Net charge-offs to loans0.1512%924
Credit loss provision to net charge-offs76.9231%1,772
Earnings coverage of net charge-offs (x)11.3923%1,848
Efficiency ratio75.3088%1,700
Assets per employee ($millions)3.9311%4,097
Cash dividends to net income (ytd only)*63.8978%1,157
Condition Ratios (%)
Loss allowance to loans0.8668%4,574
Loan loss allowance to noncurrent loans69.2308%4,035
Noncurrent assets plus other real estate owned to assets0.9768%1,608
Noncurrent loans to loans1.2520%1,443
Net loans and leases to total assets57.4292%3,999
Net loans and leases to deposits69.9551%3,787
Net loans and leases to core deposits75.0140%3,739
Total domestic deposits to total assets82.0944%3,930
Equity capital to assets13.6978%978
Core capital (leverage) ratio11.5427%1,977
Tier 1 risk-based capital ratio16.6392%2,231
Total risk-based capital ratio17.3955%2,363
Memoranda:
Average total assets$589,331,0001,231
Average earning assets$523,488,5001,280
Average equity$81,500,0001,019
Average total loans$344,000,0001,428
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9396%3,613
Cost of funding earning assets0.5111%2,241
Net interest margin3.4286%3,759
Noninterest income to average assets0.8469%1,418
Noninterest expense to average assets2.9277%2,364
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.5943%4,032
Return on assets (ROA)0.6085%4,006
Pretax return on assets0.9694%3,676
Return on Equity (ROE)4.3908%4,383
Retained earnings to average equity (ytd only)0.6224%4,793
Net charge-offs to loans0.1707%1,445
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)9.6432%2,764
Efficiency ratio74.9000%1,777
Assets per employee ($millions)3.8247%4,244
Cash dividends to net income (ytd only)*85.8250%641
Condition Ratios (%)
Loss allowance to loans0.8635%4,622
Loan loss allowance to noncurrent loans65.9101%4,163
Noncurrent assets plus other real estate owned to assets1.1078%1,368
Noncurrent loans to loans1.3100%1,325
Net loans and leases to total assets58.3039%3,984
Net loans and leases to deposits71.3236%3,756
Net loans and leases to core deposits76.3840%3,709
Total domestic deposits to total assets81.7456%3,929
Equity capital to assets13.9609%924
Core capital (leverage) ratio11.3265%2,080
Tier 1 risk-based capital ratio16.5109%2,258
Total risk-based capital ratio17.2747%2,364
Memoranda:
Average total assets$593,574,8001,208
Average earning assets$524,209,8001,248
Average equity$82,263,200984
Average total loans$341,594,4001,403
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9259%3,599
Cost of funding earning assets0.5067%2,209
Net interest margin3.4192%3,780
Noninterest income to average assets0.8627%1,394
Noninterest expense to average assets2.9299%2,302
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.7823%3,594
Return on assets (ROA)0.7979%3,578
Pretax return on assets0.9669%3,813
Return on Equity (ROE)5.7677%4,220
Retained earnings to average equity (ytd only)2.0403%4,621
Net charge-offs to loans0.0184%3,125
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)89.9718%745
Efficiency ratio74.8988%1,763
Assets per employee ($millions)3.8586%4,223
Cash dividends to net income (ytd only)*64.6250%1,166
Condition Ratios (%)
Loss allowance to loans1.0400%3,842
Loan loss allowance to noncurrent loans70.0974%4,128
Noncurrent assets plus other real estate owned to assets1.3380%1,193
Noncurrent loans to loans1.4836%1,259
Net loans and leases to total assets56.8668%4,163
Net loans and leases to deposits70.6022%3,910
Net loans and leases to core deposits75.5615%3,834
Total domestic deposits to total assets80.5454%4,194
Equity capital to assets14.1498%954
Core capital (leverage) ratio11.4138%2,087
Tier 1 risk-based capital ratio16.7159%2,245
Total risk-based capital ratio17.6231%2,308
Memoranda:
Average total assets$594,719,2501,208
Average earning assets$524,472,7501,259
Average equity$82,271,750992
Average total loans$340,393,2501,417
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9111%3,519
Cost of funding earning assets0.4988%2,170
Net interest margin3.4123%3,732
Noninterest income to average assets0.8890%1,308
Noninterest expense to average assets2.9445%2,280
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.7834%3,476
Return on assets (ROA)0.8068%3,421
Pretax return on assets0.9769%3,650
Return on Equity (ROE)5.8766%4,100
Retained earnings to average equity (ytd only)2.2113%4,353
Net charge-offs to loans0.0499%2,220
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)33.2706%1,391
Efficiency ratio74.9849%1,857
Assets per employee ($millions)3.7658%4,331
Cash dividends to net income (ytd only)*62.3701%1,392
Condition Ratios (%)
Loss allowance to loans1.0349%3,933
Loan loss allowance to noncurrent loans69.7242%4,170
Noncurrent assets plus other real estate owned to assets1.3991%1,127
Noncurrent loans to loans1.4842%1,269
Net loans and leases to total assets56.4337%4,177
Net loans and leases to deposits70.0474%3,912
Net loans and leases to core deposits74.7019%3,880
Total domestic deposits to total assets80.5650%4,294
Equity capital to assets14.0495%949
Core capital (leverage) ratio11.3115%2,119
Tier 1 risk-based capital ratio17.5389%1,996
Total risk-based capital ratio18.4854%2,033
Memoranda:
Average total assets$596,172,3301,207
Average earning assets$524,867,6701,263
Average equity$81,850,670996
Average total loans$340,775,3301,417
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9163%3,341
Cost of funding earning assets0.4985%2,097
Net interest margin3.4179%3,584
Noninterest income to average assets0.8392%1,434
Noninterest expense to average assets2.9347%2,351
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.7570%3,445
Return on assets (ROA)0.7570%3,496
Pretax return on assets0.9101%3,730
Return on Equity (ROE)5.5783%4,104
Retained earnings to average equity (ytd only)2.1319%4,290
Net charge-offs to loans-0.0245%4,846
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.6691%1,959
Assets per employee ($millions)4.0291%3,966
Cash dividends to net income (ytd only)*61.7829%1,374
Condition Ratios (%)
Loss allowance to loans1.0691%3,887
Loan loss allowance to noncurrent loans59.0603%4,446
Noncurrent assets plus other real estate owned to assets1.6571%921
Noncurrent loans to loans1.8101%1,037
Net loans and leases to total assets55.4163%4,214
Net loans and leases to deposits68.7872%3,914
Net loans and leases to core deposits73.1917%3,900
Total domestic deposits to total assets80.5619%4,509
Equity capital to assets13.6440%1,023
Core capital (leverage) ratio11.2464%2,152
Tier 1 risk-based capital ratio16.6481%2,300
Total risk-based capital ratio17.5835%2,366
Memoranda:
Average total assets$598,640,0001,209
Average earning assets$526,411,5001,259
Average equity$81,243,0001,001
Average total loans$342,590,0001,420
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9466%3,396
Cost of funding earning assets0.5350%1,824
Net interest margin3.4115%3,784
Noninterest income to average assets1.3310%642
Noninterest expense to average assets3.3030%1,568
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.9066%2,786
Return on assets (ROA)0.9301%2,794
Pretax return on assets1.0624%3,250
Return on Equity (ROE)6.8008%3,580
Retained earnings to average equity (ytd only)1.5525%4,638
Net charge-offs to loans0.0162%3,757
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)110.8036%546
Efficiency ratio75.5473%2,056
Assets per employee ($millions)3.8266%4,255
Cash dividends to net income (ytd only)*77.1716%1,015
Condition Ratios (%)
Loss allowance to loans1.0244%4,171
Loan loss allowance to noncurrent loans57.7476%4,505
Noncurrent assets plus other real estate owned to assets1.5971%1,003
Noncurrent loans to loans1.7739%1,073
Net loans and leases to total assets57.8491%4,080
Net loans and leases to deposits71.7542%3,735
Net loans and leases to core deposits76.3326%3,720
Total domestic deposits to total assets80.6213%4,427
Equity capital to assets13.4981%1,051
Core capital (leverage) ratio11.2187%2,156
Tier 1 risk-based capital ratio16.5860%2,310
Total risk-based capital ratio17.5154%2,379
Memoranda:
Average total assets$599,088,4001,167
Average earning assets$528,178,8001,212
Average equity$81,931,400969
Average total loans$345,254,2001,352
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9659%3,347
Cost of funding earning assets0.5428%1,771
Net interest margin3.4231%3,762
Noninterest income to average assets1.5289%525
Noninterest expense to average assets3.3834%1,376
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets1.0318%2,283
Return on assets (ROA)1.0631%2,258
Pretax return on assets1.2045%2,817
Return on Equity (ROE)7.7483%3,147
Retained earnings to average equity (ytd only)2.4002%4,475
Net charge-offs to loans-0.0635%5,439
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.7703%2,330
Assets per employee ($millions)3.8524%4,209
Cash dividends to net income (ytd only)*69.0232%1,071
Condition Ratios (%)
Loss allowance to loans1.1036%3,813
Loan loss allowance to noncurrent loans57.0870%4,581
Noncurrent assets plus other real estate owned to assets1.5841%1,101
Noncurrent loans to loans1.9333%1,026
Net loans and leases to total assets57.3053%4,169
Net loans and leases to deposits71.4636%3,842
Net loans and leases to core deposits75.7340%3,869
Total domestic deposits to total assets80.1880%4,472
Equity capital to assets14.2524%947
Core capital (leverage) ratio11.0786%2,372
Tier 1 risk-based capital ratio16.5166%2,410
Total risk-based capital ratio17.5218%2,463
Memoranda:
Average total assets$599,624,5001,168
Average earning assets$529,599,2501,208
Average equity$82,270,250972
Average total loans$344,342,5001,356
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9493%3,428
Cost of funding earning assets0.5609%1,609
Net interest margin3.3884%3,940
Noninterest income to average assets1.8998%366
Noninterest expense to average assets3.5035%1,157
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets1.2306%1,500
Return on assets (ROA)1.2780%1,454
Pretax return on assets1.4431%1,864
Return on Equity (ROE)9.4346%2,303
Retained earnings to average equity (ytd only)3.7910%3,477
Net charge-offs to loans-0.1068%5,648
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0861%2,801
Assets per employee ($millions)3.7729%4,318
Cash dividends to net income (ytd only)*59.8179%1,533
Condition Ratios (%)
Loss allowance to loans1.0802%4,048
Loan loss allowance to noncurrent loans55.1315%4,690
Noncurrent assets plus other real estate owned to assets1.7066%1,047
Noncurrent loans to loans1.9594%1,021
Net loans and leases to total assets57.8569%4,131
Net loans and leases to deposits72.3542%3,754
Net loans and leases to core deposits76.1717%3,807
Total domestic deposits to total assets79.9635%4,559
Equity capital to assets13.9923%1,032
Core capital (leverage) ratio10.7527%2,694
Tier 1 risk-based capital ratio16.1314%2,575
Total risk-based capital ratio17.1190%2,643
Memoranda:
Average total assets$601,740,3301,174
Average earning assets$531,632,3301,215
Average equity$81,508,330978
Average total loans$344,532,3301,358
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9956%3,240
Cost of funding earning assets0.5933%1,376
Net interest margin3.4024%3,859
Noninterest income to average assets1.7684%403
Noninterest expense to average assets3.8616%719
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets1.0207%2,189
Return on assets (ROA)1.0207%2,310
Pretax return on assets0.9195%3,768
Return on Equity (ROE)7.6622%3,106
Retained earnings to average equity (ytd only)4.1635%3,404
Net charge-offs to loans-0.1716%5,806
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.2395%1,576
Assets per employee ($millions)3.8362%4,238
Cash dividends to net income (ytd only)*45.6621%1,897
Condition Ratios (%)
Loss allowance to loans1.0542%4,317
Loan loss allowance to noncurrent loans62.5891%4,509
Noncurrent assets plus other real estate owned to assets1.5445%1,306
Noncurrent loans to loans1.6844%1,341
Net loans and leases to total assets56.3310%4,216
Net loans and leases to deposits69.0462%3,949
Net loans and leases to core deposits72.4589%4,033
Total domestic deposits to total assets81.5845%4,333
Equity capital to assets13.2017%1,318
Core capital (leverage) ratio10.7045%2,723
Tier 1 risk-based capital ratio16.3395%2,544
Total risk-based capital ratio17.3104%2,609
Memoranda:
Average total assets$600,779,5001,173
Average earning assets$531,982,0001,216
Average equity$80,029,500992
Average total loans$340,261,5001,367
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8547%3,865
Cost of funding earning assets0.5649%1,633
Net interest margin3.2898%4,329
Noninterest income to average assets0.9677%1,266
Noninterest expense to average assets3.0122%2,502
Loan and lease loss provision to assets0.1470%1,603
Net operating income to assets0.6000%4,268
Return on assets (ROA)0.6984%3,925
Pretax return on assets0.8166%4,139
Return on Equity (ROE)5.1535%4,433
Retained earnings to average equity (ytd only)0.4897%5,321
Net charge-offs to loans0.2628%1,145
Credit loss provision to net charge-offs101.7011%2,462
Earnings coverage of net charge-offs (x)5.8761%3,312
Efficiency ratio77.5929%2,033
Assets per employee ($millions)3.6931%4,489
Cash dividends to net income (ytd only)*90.4977%598
Condition Ratios (%)
Loss allowance to loans1.1261%3,891
Loan loss allowance to noncurrent loans68.4260%4,427
Noncurrent assets plus other real estate owned to assets1.5120%1,340
Noncurrent loans to loans1.6457%1,382
Net loans and leases to total assets55.6788%4,320
Net loans and leases to deposits68.7664%4,054
Net loans and leases to core deposits72.6373%4,077
Total domestic deposits to total assets80.9680%4,495
Equity capital to assets13.4520%1,142
Core capital (leverage) ratio10.7545%2,654
Tier 1 risk-based capital ratio16.2142%2,600
Total risk-based capital ratio17.2135%2,642
Memoranda:
Average total assets$569,576,6001,201
Average earning assets$500,972,4001,248
Average equity$77,190,200985
Average total loans$313,176,2001,412
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8644%3,879
Cost of funding earning assets0.5657%1,662
Net interest margin3.2988%4,347
Noninterest income to average assets0.9835%1,222
Noninterest expense to average assets3.0333%2,421
Loan and lease loss provision to assets0.1959%1,032
Net operating income to assets0.5883%4,441
Return on assets (ROA)0.5923%4,524
Pretax return on assets0.6577%4,809
Return on Equity (ROE)4.3622%4,885
Retained earnings to average equity (ytd only)0.3919%5,505
Net charge-offs to loans0.2076%1,249
Credit loss provision to net charge-offs172.7273%1,513
Earnings coverage of net charge-offs (x)7.4855%2,910
Efficiency ratio77.7120%1,990
Assets per employee ($millions)3.6121%4,585
Cash dividends to net income (ytd only)*91.0170%503
Condition Ratios (%)
Loss allowance to loans1.2511%3,360
Loan loss allowance to noncurrent loans63.7327%4,577
Noncurrent assets plus other real estate owned to assets1.7390%1,245
Noncurrent loans to loans1.9630%1,186
Net loans and leases to total assets55.2286%4,438
Net loans and leases to deposits68.6522%4,128
Net loans and leases to core deposits72.6122%4,140
Total domestic deposits to total assets80.4470%4,626
Equity capital to assets13.6535%1,155
Core capital (leverage) ratio10.6693%2,856
Tier 1 risk-based capital ratio16.4671%2,592
Total risk-based capital ratio17.5814%2,603
Memoranda:
Average total assets$568,864,2501,207
Average earning assets$499,934,2501,253
Average equity$77,237,000995
Average total loans$310,882,7501,426
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8783%3,782
Cost of funding earning assets0.5692%1,652
Net interest margin3.3091%4,267
Noninterest income to average assets0.9604%1,278
Noninterest expense to average assets3.0332%2,453
Loan and lease loss provision to assets0.1668%1,255
Net operating income to assets0.5938%4,379
Return on assets (ROA)0.5998%4,445
Pretax return on assets0.6721%4,747
Return on Equity (ROE)4.4224%4,851
Retained earnings to average equity (ytd only)0.5386%5,337
Net charge-offs to loans0.2902%902
Credit loss provision to net charge-offs106.0268%1,973
Earnings coverage of net charge-offs (x)5.2902%2,937
Efficiency ratio78.0523%2,065
Assets per employee ($millions)3.5709%4,675
Cash dividends to net income (ytd only)*87.8220%760
Condition Ratios (%)
Loss allowance to loans1.1513%4,076
Loan loss allowance to noncurrent loans51.2089%4,957
Noncurrent assets plus other real estate owned to assets1.6309%1,473
Noncurrent loans to loans2.2483%1,058
Net loans and leases to total assets55.0882%4,444
Net loans and leases to deposits68.4522%4,089
Net loans and leases to core deposits72.3496%4,101
Total domestic deposits to total assets80.4768%4,754
Equity capital to assets13.4708%1,184
Core capital (leverage) ratio10.7020%2,732
Tier 1 risk-based capital ratio16.5526%2,587
Total risk-based capital ratio17.5809%2,655
Memoranda:
Average total assets$569,559,0001,204
Average earning assets$500,013,0001,262
Average equity$77,243,330996
Average total loans$308,787,3301,439
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9065%3,576
Cost of funding earning assets0.5661%1,695
Net interest margin3.3404%4,058
Noninterest income to average assets0.9312%1,296
Noninterest expense to average assets3.1168%2,219
Loan and lease loss provision to assets0.0701%2,536
Net operating income to assets0.5981%4,299
Return on assets (ROA)0.5981%4,396
Pretax return on assets0.6738%4,676
Return on Equity (ROE)4.3956%4,805
Retained earnings to average equity (ytd only)0.7884%5,141
Net charge-offs to loans0.0512%2,271
Credit loss provision to net charge-offs256.4103%909
Earnings coverage of net charge-offs (x)27.2051%1,216
Efficiency ratio80.3124%1,858
Assets per employee ($millions)3.6050%4,712
Cash dividends to net income (ytd only)*82.0633%938
Condition Ratios (%)
Loss allowance to loans1.1998%3,983
Loan loss allowance to noncurrent loans50.6893%5,005
Noncurrent assets plus other real estate owned to assets1.6377%1,552
Noncurrent loans to loans2.3670%1,038
Net loans and leases to total assets52.8238%4,578
Net loans and leases to deposits65.4999%4,197
Net loans and leases to core deposits68.8532%4,250
Total domestic deposits to total assets80.6471%4,902
Equity capital to assets13.6185%1,119
Core capital (leverage) ratio10.7289%2,716
Tier 1 risk-based capital ratio16.6786%2,604
Total risk-based capital ratio17.7268%2,633
Memoranda:
Average total assets$570,453,5001,210
Average earning assets$500,297,5001,264
Average equity$77,623,500986
Average total loans$304,972,5001,454
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0310%3,594
Cost of funding earning assets0.6095%1,683
Net interest margin3.4214%4,101
Noninterest income to average assets1.3274%701
Noninterest expense to average assets3.1915%2,236
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.0047%2,360
Return on assets (ROA)1.0281%2,343
Pretax return on assets1.1550%2,853
Return on Equity (ROE)7.7436%3,248
Retained earnings to average equity (ytd only)3.5252%3,712
Net charge-offs to loans0.0831%3,306
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)26.0603%1,480
Efficiency ratio73.1991%2,985
Assets per employee ($millions)3.9700%4,022
Cash dividends to net income (ytd only)*54.4761%2,037
Condition Ratios (%)
Loss allowance to loans1.1915%4,055
Loan loss allowance to noncurrent loans65.4717%4,644
Noncurrent assets plus other real estate owned to assets1.3634%2,047
Noncurrent loans to loans1.8199%1,576
Net loans and leases to total assets52.8205%4,713
Net loans and leases to deposits65.4331%4,384
Net loans and leases to core deposits68.8140%4,424
Total domestic deposits to total assets80.7245%4,814
Equity capital to assets13.5961%1,116
Core capital (leverage) ratio11.6665%1,849
Tier 1 risk-based capital ratio17.3775%2,365
Total risk-based capital ratio18.4504%2,380
Memoranda:
Average total assets$535,649,4001,252
Average earning assets$468,544,8001,310
Average equity$71,117,2001,033
Average total loans$279,262,0001,521
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1716%3,082
Cost of funding earning assets0.6323%1,582
Net interest margin3.5393%3,675
Noninterest income to average assets1.0747%1,055
Noninterest expense to average assets3.2860%1,935
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.7436%3,703
Return on assets (ROA)0.7735%3,659
Pretax return on assets0.9206%3,902
Return on Equity (ROE)5.8639%4,304
Retained earnings to average equity (ytd only)1.8410%5,132
Net charge-offs to loans0.1030%2,766
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)16.5970%1,959
Efficiency ratio77.8384%2,205
Assets per employee ($millions)3.4682%4,919
Cash dividends to net income (ytd only)*68.6051%1,075
Condition Ratios (%)
Loss allowance to loans1.3433%3,429
Loan loss allowance to noncurrent loans87.8927%3,971
Noncurrent assets plus other real estate owned to assets1.1280%2,702
Noncurrent loans to loans1.5283%2,118
Net loans and leases to total assets52.0397%4,802
Net loans and leases to deposits64.8076%4,454
Net loans and leases to core deposits67.6969%4,540
Total domestic deposits to total assets80.2987%5,016
Equity capital to assets13.7988%1,074
Core capital (leverage) ratio10.5980%2,922
Tier 1 risk-based capital ratio17.3912%2,433
Total risk-based capital ratio18.5857%2,416
Memoranda:
Average total assets$527,633,0001,278
Average earning assets$461,590,2501,338
Average equity$69,599,7501,059
Average total loans$273,206,0001,566
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2054%2,933
Cost of funding earning assets0.6485%1,525
Net interest margin3.5569%3,545
Noninterest income to average assets1.0845%1,014
Noninterest expense to average assets3.3128%1,888
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.7398%3,623
Return on assets (ROA)0.7783%3,535
Pretax return on assets0.9286%3,770
Return on Equity (ROE)5.9893%4,155
Retained earnings to average equity (ytd only)2.8096%4,414
Net charge-offs to loans0.1131%2,532
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)15.1613%1,867
Efficiency ratio77.5629%2,363
Assets per employee ($millions)3.6413%4,571
Cash dividends to net income (ytd only)*53.0888%1,797
Condition Ratios (%)
Loss allowance to loans1.3428%3,623
Loan loss allowance to noncurrent loans102.4126%3,585
Noncurrent assets plus other real estate owned to assets1.0081%3,052
Noncurrent loans to loans1.3111%2,618
Net loans and leases to total assets51.7480%4,771
Net loans and leases to deposits65.0486%4,369
Net loans and leases to core deposits68.0772%4,456
Total domestic deposits to total assets79.5528%5,338
Equity capital to assets13.4654%1,176
Core capital (leverage) ratio10.3243%3,175
Tier 1 risk-based capital ratio17.0362%2,603
Total risk-based capital ratio18.2240%2,589
Memoranda:
Average total assets$532,413,6701,259
Average earning assets$465,690,3301,319
Average equity$69,190,3301,056
Average total loans$274,024,0001,560
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1220%3,195
Cost of funding earning assets0.6671%1,458
Net interest margin3.4549%3,878
Noninterest income to average assets0.9671%1,209
Noninterest expense to average assets3.1496%2,378
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.7186%3,586
Return on assets (ROA)0.7218%3,665
Pretax return on assets0.8448%3,923
Return on Equity (ROE)5.6540%4,209
Retained earnings to average equity (ytd only)3.9017%3,776
Net charge-offs to loans-0.2091%6,399
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.4664%2,560
Assets per employee ($millions)3.6892%4,540
Cash dividends to net income (ytd only)*30.9917%2,260
Condition Ratios (%)
Loss allowance to loans1.4659%3,304
Loan loss allowance to noncurrent loans69.6631%4,509
Noncurrent assets plus other real estate owned to assets1.4480%2,450
Noncurrent loans to loans2.1042%1,748
Net loans and leases to total assets49.8078%4,930
Net loans and leases to deposits62.0786%4,536
Net loans and leases to core deposits64.8953%4,605
Total domestic deposits to total assets80.2335%5,442
Equity capital to assets12.8598%1,379
Core capital (leverage) ratio10.1129%3,412
Tier 1 risk-based capital ratio16.8204%2,768
Total risk-based capital ratio18.0707%2,730
Memoranda:
Average total assets$536,448,0001,264
Average earning assets$469,481,0001,317
Average equity$68,483,0001,069
Average total loans$273,520,5001,562
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1752%3,432
Cost of funding earning assets0.7745%1,349
Net interest margin3.4007%4,270
Noninterest income to average assets0.9316%1,578
Noninterest expense to average assets3.1068%2,713
Loan and lease loss provision to assets0.0183%4,763
Net operating income to assets0.6845%3,876
Return on assets (ROA)0.7056%3,855
Pretax return on assets0.8102%4,109
Return on Equity (ROE)5.5423%4,366
Retained earnings to average equity (ytd only)0.2297%5,743
Net charge-offs to loans0.1265%3,553
Credit loss provision to net charge-offs27.3224%4,304
Earnings coverage of net charge-offs (x)12.0191%2,180
Efficiency ratio77.9845%2,469
Assets per employee ($millions)3.4470%4,997
Cash dividends to net income (ytd only)*95.8549%508
Condition Ratios (%)
Loss allowance to loans1.4004%3,656
Loan loss allowance to noncurrent loans62.4675%4,776
Noncurrent assets plus other real estate owned to assets1.5327%2,426
Noncurrent loans to loans2.2418%1,732
Net loans and leases to total assets50.7092%5,004
Net loans and leases to deposits63.7781%4,529
Net loans and leases to core deposits66.7148%4,635
Total domestic deposits to total assets79.5088%5,547
Equity capital to assets12.6715%1,435
Core capital (leverage) ratio9.9730%3,612
Tier 1 risk-based capital ratio16.4666%2,870
Total risk-based capital ratio17.6893%2,846
Memoranda:
Average total assets$547,032,4001,214
Average earning assets$479,253,2001,272
Average equity$69,646,2001,029
Average total loans$289,371,2001,471
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1935%3,408
Cost of funding earning assets0.7948%1,356
Net interest margin3.3988%4,291
Noninterest income to average assets0.9955%1,469
Noninterest expense to average assets3.1175%2,599
Loan and lease loss provision to assets0.0242%4,524
Net operating income to assets0.7141%3,787
Return on assets (ROA)0.7350%3,806
Pretax return on assets0.8573%4,063
Return on Equity (ROE)5.7661%4,304
Retained earnings to average equity (ytd only)0.6331%5,715
Net charge-offs to loans0.1488%3,054
Credit loss provision to net charge-offs30.5810%3,884
Earnings coverage of net charge-offs (x)10.8196%2,314
Efficiency ratio77.0103%2,560
Assets per employee ($millions)3.3848%5,093
Cash dividends to net income (ytd only)*89.0207%583
Condition Ratios (%)
Loss allowance to loans1.3713%4,023
Loan loss allowance to noncurrent loans94.2760%3,628
Noncurrent assets plus other real estate owned to assets1.2108%3,222
Noncurrent loans to loans1.4546%2,984
Net loans and leases to total assets51.6217%4,925
Net loans and leases to deposits64.4337%4,468
Net loans and leases to core deposits67.5565%4,567
Total domestic deposits to total assets80.1160%5,473
Equity capital to assets12.6351%1,509
Core capital (leverage) ratio9.9275%3,779
Tier 1 risk-based capital ratio16.1938%3,084
Total risk-based capital ratio17.4062%3,060
Memoranda:
Average total assets$550,221,0001,216
Average earning assets$482,317,5001,279
Average equity$70,132,5001,024
Average total loans$293,020,0001,441
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2062%3,345
Cost of funding earning assets0.8191%1,309
Net interest margin3.3871%4,237
Noninterest income to average assets1.0107%1,503
Noninterest expense to average assets3.1173%2,614
Loan and lease loss provision to assets0.0362%4,221
Net operating income to assets0.7105%3,753
Return on assets (ROA)0.7413%3,767
Pretax return on assets0.8689%4,026
Return on Equity (ROE)5.7991%4,293
Retained earnings to average equity (ytd only)0.9901%5,508
Net charge-offs to loans0.1296%3,080
Credit loss provision to net charge-offs52.0833%3,174
Earnings coverage of net charge-offs (x)12.5156%1,971
Efficiency ratio76.7870%2,669
Assets per employee ($millions)3.3397%5,189
Cash dividends to net income (ytd only)*82.9268%848
Condition Ratios (%)
Loss allowance to loans1.3891%4,090
Loan loss allowance to noncurrent loans122.6593%2,968
Noncurrent assets plus other real estate owned to assets1.0700%3,601
Noncurrent loans to loans1.1325%3,668
Net loans and leases to total assets52.7741%4,774
Net loans and leases to deposits66.2656%4,235
Net loans and leases to core deposits69.4448%4,329
Total domestic deposits to total assets79.6404%5,681
Equity capital to assets12.6596%1,493
Core capital (leverage) ratio9.7893%3,809
Tier 1 risk-based capital ratio16.0773%3,148
Total risk-based capital ratio17.3242%3,094
Memoranda:
Average total assets$553,107,6701,209
Average earning assets$485,897,3301,268
Average equity$70,701,0001,020
Average total loans$296,210,0001,426
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1748%3,406
Cost of funding earning assets0.8411%1,302
Net interest margin3.3337%4,386
Noninterest income to average assets0.9071%1,734
Noninterest expense to average assets3.0075%2,967
Loan and lease loss provision to assets0.0715%3,435
Net operating income to assets0.6673%3,863
Return on assets (ROA)0.6760%3,962
Pretax return on assets0.7726%4,286
Return on Equity (ROE)5.2643%4,422
Retained earnings to average equity (ytd only)2.4789%4,785
Net charge-offs to loans0.0881%2,956
Credit loss provision to net charge-offs151.5152%1,351
Earnings coverage of net charge-offs (x)17.6667%1,300
Efficiency ratio76.8343%2,790
Assets per employee ($millions)3.3922%5,228
Cash dividends to net income (ytd only)*52.9101%1,489
Condition Ratios (%)
Loss allowance to loans1.3977%4,245
Loan loss allowance to noncurrent loans144.6304%2,456
Noncurrent assets plus other real estate owned to assets0.9232%4,089
Noncurrent loans to loans0.9664%4,202
Net loans and leases to total assets52.2835%4,669
Net loans and leases to deposits65.8553%4,072
Net loans and leases to core deposits69.0634%4,178
Total domestic deposits to total assets79.3915%5,898
Equity capital to assets12.8319%1,509
Core capital (leverage) ratio9.6242%3,879
Tier 1 risk-based capital ratio16.0002%3,271
Total risk-based capital ratio17.2506%3,229
Memoranda:
Average total assets$559,143,5001,208
Average earning assets$492,187,0001,260
Average equity$71,805,0001,013
Average total loans$299,540,5001,416
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5020%3,382
Cost of funding earning assets0.9502%1,647
Net interest margin3.5517%4,291
Noninterest income to average assets0.9870%1,566
Noninterest expense to average assets3.2750%2,409
Loan and lease loss provision to assets0.1322%3,970
Net operating income to assets0.5998%4,239
Return on assets (ROA)0.6183%4,415
Pretax return on assets0.7092%4,639
Return on Equity (ROE)4.8246%4,765
Retained earnings to average equity (ytd only)-0.0671%5,854
Net charge-offs to loans0.3687%2,785
Credit loss provision to net charge-offs64.1182%4,339
Earnings coverage of net charge-offs (x)3.9774%3,529
Efficiency ratio78.6142%2,340
Assets per employee ($millions)3.2476%5,519
Cash dividends to net income (ytd only)*101.3905%450
Condition Ratios (%)
Loss allowance to loans1.3609%4,350
Loan loss allowance to noncurrent loans119.7671%2,848
Noncurrent assets plus other real estate owned to assets0.9558%4,115
Noncurrent loans to loans1.1363%3,945
Net loans and leases to total assets53.3826%4,706
Net loans and leases to deposits68.2869%3,937
Net loans and leases to core deposits71.7669%4,068
Total domestic deposits to total assets78.1740%6,051
Equity capital to assets12.8520%1,518
Core capital (leverage) ratio9.5682%4,013
Tier 1 risk-based capital ratio15.7371%3,297
Total risk-based capital ratio16.9874%3,255
Memoranda:
Average total assets$558,266,8001,196
Average earning assets$488,520,0001,247
Average equity$71,550,000988
Average total loans$312,207,4001,348
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5365%3,488
Cost of funding earning assets0.9714%1,733
Net interest margin3.5651%4,377
Noninterest income to average assets1.0496%1,380
Noninterest expense to average assets3.2965%2,283
Loan and lease loss provision to assets0.1405%3,783
Net operating income to assets0.6253%4,266
Return on assets (ROA)0.6497%4,403
Pretax return on assets0.7584%4,640
Return on Equity (ROE)5.0728%4,790
Retained earnings to average equity (ytd only)-0.5222%6,182
Net charge-offs to loans0.4148%2,430
Credit loss provision to net charge-offs60.0613%4,144
Earnings coverage of net charge-offs (x)3.7222%3,538
Efficiency ratio77.7759%2,424
Assets per employee ($millions)3.2060%5,621
Cash dividends to net income (ytd only)*110.2940%243
Condition Ratios (%)
Loss allowance to loans1.3471%4,597
Loan loss allowance to noncurrent loans87.4604%3,603
Noncurrent assets plus other real estate owned to assets1.2569%3,790
Noncurrent loans to loans1.5402%3,479
Net loans and leases to total assets54.6121%4,651
Net loans and leases to deposits69.6799%3,941
Net loans and leases to core deposits73.3446%4,069
Total domestic deposits to total assets78.3756%5,997
Equity capital to assets12.9814%1,599
Core capital (leverage) ratio9.5180%4,237
Tier 1 risk-based capital ratio15.6948%3,428
Total risk-based capital ratio16.9449%3,392
Memoranda:
Average total assets$558,188,2501,208
Average earning assets$488,087,5001,262
Average equity$71,490,250993
Average total loans$314,684,5001,348
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5946%3,385
Cost of funding earning assets0.9916%1,819
Net interest margin3.6030%4,248
Noninterest income to average assets1.0387%1,357
Noninterest expense to average assets3.2987%2,306
Loan and lease loss provision to assets0.1566%3,558
Net operating income to assets0.6203%4,278
Return on assets (ROA)0.6564%4,341
Pretax return on assets0.7698%4,574
Return on Equity (ROE)5.1486%4,734
Retained earnings to average equity (ytd only)-0.4599%6,115
Net charge-offs to loans0.5479%1,946
Credit loss provision to net charge-offs50.4028%4,030
Earnings coverage of net charge-offs (x)2.8446%3,607
Efficiency ratio77.5432%2,516
Assets per employee ($millions)3.0735%5,906
Cash dividends to net income (ytd only)*108.9325%346
Condition Ratios (%)
Loss allowance to loans1.3106%4,851
Loan loss allowance to noncurrent loans77.2393%3,904
Noncurrent assets plus other real estate owned to assets1.4436%3,545
Noncurrent loans to loans1.6968%3,354
Net loans and leases to total assets55.4438%4,555
Net loans and leases to deposits70.6881%3,797
Net loans and leases to core deposits74.3286%3,977
Total domestic deposits to total assets78.4345%6,074
Equity capital to assets12.8696%1,582
Core capital (leverage) ratio9.4849%4,158
Tier 1 risk-based capital ratio15.3503%3,539
Total risk-based capital ratio16.5832%3,513
Memoranda:
Average total assets$559,373,0001,206
Average earning assets$488,093,6701,262
Average equity$71,320,670987
Average total loans$317,235,0001,336
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5970%3,516
Cost of funding earning assets1.0176%1,879
Net interest margin3.5793%4,352
Noninterest income to average assets1.1025%1,164
Noninterest expense to average assets3.2911%2,313
Loan and lease loss provision to assets0.2054%2,901
Net operating income to assets0.6283%4,226
Return on assets (ROA)0.6283%4,435
Pretax return on assets0.7288%4,694
Return on Equity (ROE)4.9506%4,811
Retained earnings to average equity (ytd only)-0.6687%6,102
Net charge-offs to loans0.4481%1,968
Credit loss provision to net charge-offs80.4469%2,718
Earnings coverage of net charge-offs (x)3.6592%2,784
Efficiency ratio76.5738%2,701
Assets per employee ($millions)3.1160%5,928
Cash dividends to net income (ytd only)*113.5074%450
Condition Ratios (%)
Loss allowance to loans1.4018%4,605
Loan loss allowance to noncurrent loans100.0674%3,063
Noncurrent assets plus other real estate owned to assets1.4024%3,768
Noncurrent loans to loans1.4009%4,012
Net loans and leases to total assets55.2783%4,515
Net loans and leases to deposits70.4631%3,664
Net loans and leases to core deposits74.2887%3,867
Total domestic deposits to total assets78.4500%6,198
Equity capital to assets12.5565%1,687
Core capital (leverage) ratio9.5413%3,992
Tier 1 risk-based capital ratio15.1738%3,639
Total risk-based capital ratio16.4246%3,597
Memoranda:
Average total assets$560,905,0001,211
Average earning assets$489,364,5001,260
Average equity$71,183,500982
Average total loans$319,585,0001,326
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9224%3,252
Cost of funding earning assets1.1929%2,077
Net interest margin3.7295%4,159
Noninterest income to average assets1.0992%1,101
Noninterest expense to average assets3.2770%2,598
Loan and lease loss provision to assets0.2422%3,783
Net operating income to assets0.6925%3,524
Return on assets (ROA)0.7311%3,510
Pretax return on assets0.8793%3,676
Return on Equity (ROE)6.0419%3,852
Retained earnings to average equity (ytd only)3.9186%3,422
Net charge-offs to loans0.4620%3,138
Credit loss provision to net charge-offs86.6792%4,173
Earnings coverage of net charge-offs (x)3.8468%3,369
Efficiency ratio74.0482%3,232
Assets per employee ($millions)2.9505%6,194
Cash dividends to net income (ytd only)*35.1422%2,859
Condition Ratios (%)
Loss allowance to loans1.4093%4,412
Loan loss allowance to noncurrent loans111.3927%2,788
Noncurrent assets plus other real estate owned to assets1.3488%3,981
Noncurrent loans to loans1.2652%4,259
Net loans and leases to total assets57.0935%4,529
Net loans and leases to deposits72.9919%3,667
Net loans and leases to core deposits77.3034%3,780
Total domestic deposits to total assets78.2189%6,151
Equity capital to assets12.8282%1,582
Core capital (leverage) ratio9.4640%4,086
Tier 1 risk-based capital ratio15.1842%3,526
Total risk-based capital ratio16.4355%3,488
Memoranda:
Average total assets$572,145,2001,150
Average earning assets$499,026,6001,216
Average equity$69,233,200973
Average total loans$346,071,4001,224
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9469%3,344
Cost of funding earning assets1.2210%2,186
Net interest margin3.7259%4,221
Noninterest income to average assets1.0902%1,127
Noninterest expense to average assets3.2508%2,658
Loan and lease loss provision to assets0.2431%3,572
Net operating income to assets0.6953%3,647
Return on assets (ROA)0.7292%3,648
Pretax return on assets0.8869%3,818
Return on Equity (ROE)6.1146%3,969
Retained earnings to average equity (ytd only)4.0880%3,818
Net charge-offs to loans0.3910%3,159
Credit loss provision to net charge-offs101.7425%3,294
Earnings coverage of net charge-offs (x)4.5566%3,024
Efficiency ratio73.6716%3,245
Assets per employee ($millions)3.0619%5,984
Cash dividends to net income (ytd only)*33.1431%2,334
Condition Ratios (%)
Loss allowance to loans1.4153%4,488
Loan loss allowance to noncurrent loans93.5325%3,124
Noncurrent assets plus other real estate owned to assets1.8706%3,307
Noncurrent loans to loans1.5131%4,019
Net loans and leases to total assets58.8280%4,350
Net loans and leases to deposits76.9028%3,177
Net loans and leases to core deposits81.5509%3,396
Total domestic deposits to total assets76.4965%6,456
Equity capital to assets12.5891%1,858
Core capital (leverage) ratio9.3538%4,371
Tier 1 risk-based capital ratio14.4411%4,018
Total risk-based capital ratio15.6924%3,989
Memoranda:
Average total assets$576,506,2501,151
Average earning assets$502,735,5001,209
Average equity$68,752,000983
Average total loans$352,283,0001,216
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0022%3,142
Cost of funding earning assets1.2651%2,151
Net interest margin3.7371%4,090
Noninterest income to average assets1.0367%1,234
Noninterest expense to average assets3.2733%2,658
Loan and lease loss provision to assets0.1956%3,975
Net operating income to assets0.6777%3,653
Return on assets (ROA)0.7282%3,511
Pretax return on assets0.8873%3,668
Return on Equity (ROE)6.2181%3,842
Retained earnings to average equity (ytd only)3.9102%3,704
Net charge-offs to loans0.2941%3,404
Credit loss provision to net charge-offs107.9848%2,844
Earnings coverage of net charge-offs (x)5.6388%2,569
Efficiency ratio74.9699%3,183
Assets per employee ($millions)3.0513%5,973
Cash dividends to net income (ytd only)*37.1158%2,202
Condition Ratios (%)
Loss allowance to loans1.3765%4,696
Loan loss allowance to noncurrent loans97.6915%2,959
Noncurrent assets plus other real estate owned to assets1.7528%3,569
Noncurrent loans to loans1.4090%4,301
Net loans and leases to total assets59.0994%4,444
Net loans and leases to deposits75.8370%3,510
Net loans and leases to core deposits80.5046%3,715
Total domestic deposits to total assets77.9294%6,301
Equity capital to assets11.9445%2,125
Core capital (leverage) ratio8.8589%4,943
Tier 1 risk-based capital ratio13.7917%4,309
Total risk-based capital ratio15.0427%4,284
Memoranda:
Average total assets$580,877,6701,152
Average earning assets$506,380,3301,205
Average equity$68,027,330993
Average total loans$357,647,3301,214
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9363%3,379
Cost of funding earning assets1.3312%2,003
Net interest margin3.6052%4,545
Noninterest income to average assets0.9982%1,333
Noninterest expense to average assets3.2966%2,566
Loan and lease loss provision to assets0.1032%4,721
Net operating income to assets0.6303%3,865
Return on assets (ROA)0.6707%3,726
Pretax return on assets0.7953%3,912
Return on Equity (ROE)5.7849%4,025
Retained earnings to average equity (ytd only)2.6700%4,564
Net charge-offs to loans0.0562%4,371
Credit loss provision to net charge-offs294.1176%1,092
Earnings coverage of net charge-offs (x)24.2353%990
Efficiency ratio78.2017%2,814
Assets per employee ($millions)3.2866%5,513
Cash dividends to net income (ytd only)*53.8462%1,387
Condition Ratios (%)
Loss allowance to loans1.3481%4,909
Loan loss allowance to noncurrent loans70.2118%3,918
Noncurrent assets plus other real estate owned to assets2.0001%3,315
Noncurrent loans to loans1.9200%3,674
Net loans and leases to total assets60.5325%4,168
Net loans and leases to deposits77.0393%3,245
Net loans and leases to core deposits81.8766%3,474
Total domestic deposits to total assets78.5735%6,279
Equity capital to assets11.6239%2,182
Core capital (leverage) ratio8.6648%5,151
Tier 1 risk-based capital ratio13.2538%4,616
Total risk-based capital ratio14.5047%4,595
Memoranda:
Average total assets$581,439,5001,157
Average earning assets$507,829,0001,204
Average equity$67,416,500996
Average total loans$362,764,5001,207
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0898%4,132
Cost of funding earning assets1.6387%1,871
Net interest margin3.4511%5,426
Noninterest income to average assets0.9687%1,613
Noninterest expense to average assets3.2409%2,949
Loan and lease loss provision to assets0.5665%2,862
Net operating income to assets0.1948%5,279
Return on assets (ROA)0.4950%4,277
Pretax return on assets0.4772%4,702
Return on Equity (ROE)4.3674%4,360
Retained earnings to average equity (ytd only)4.3674%2,787
Net charge-offs to loans1.2802%1,749
Credit loss provision to net charge-offs68.6616%5,902
Earnings coverage of net charge-offs (x)0.9012%5,213
Efficiency ratio80.0178%2,414
Assets per employee ($millions)3.3403%5,333
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.2931%5,039
Loan loss allowance to noncurrent loans51.0776%4,945
Noncurrent assets plus other real estate owned to assets2.1970%3,102
Noncurrent loans to loans2.5316%2,992
Net loans and leases to total assets62.6144%4,146
Net loans and leases to deposits80.4896%3,077
Net loans and leases to core deposits86.1524%3,302
Total domestic deposits to total assets77.7919%6,357
Equity capital to assets11.5653%2,204
Core capital (leverage) ratio8.4488%5,451
Tier 1 risk-based capital ratio12.9565%4,631
Total risk-based capital ratio14.2070%4,604
Memoranda:
Average total assets$591,310,0001,134
Average earning assets$516,740,2001,191
Average equity$67,019,8001,000
Average total loans$381,106,0001,191
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1191%4,222
Cost of funding earning assets1.6745%1,988
Net interest margin3.4445%5,514
Noninterest income to average assets1.1567%1,046
Noninterest expense to average assets3.2421%2,770
Loan and lease loss provision to assets0.4820%3,061
Net operating income to assets0.3631%4,917
Return on assets (ROA)0.6711%3,703
Pretax return on assets0.8188%3,829
Return on Equity (ROE)5.9501%3,838
Retained earnings to average equity (ytd only)5.9501%2,385
Net charge-offs to loans1.2337%1,658
Credit loss provision to net charge-offs60.3933%5,682
Earnings coverage of net charge-offs (x)1.1593%4,904
Efficiency ratio76.5427%2,847
Assets per employee ($millions)3.4326%5,132
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.3044%4,941
Loan loss allowance to noncurrent loans57.7833%4,455
Noncurrent assets plus other real estate owned to assets2.2074%3,187
Noncurrent loans to loans2.2574%3,377
Net loans and leases to total assets61.5567%4,623
Net loans and leases to deposits79.5543%3,533
Net loans and leases to core deposits85.0374%3,791
Total domestic deposits to total assets77.3770%6,397
Equity capital to assets11.5816%2,469
Core capital (leverage) ratio8.3697%5,757
Tier 1 risk-based capital ratio12.7723%4,757
Total risk-based capital ratio14.0230%4,731
Memoranda:
Average total assets$594,670,2501,137
Average earning assets$519,770,2501,190
Average equity$67,066,750997
Average total loans$384,740,2501,187
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2056%3,925
Cost of funding earning assets1.7117%2,056
Net interest margin3.4939%5,270
Noninterest income to average assets1.1441%994
Noninterest expense to average assets3.2519%2,723
Loan and lease loss provision to assets0.6231%2,302
Net operating income to assets0.2556%5,353
Return on assets (ROA)0.6959%3,577
Pretax return on assets0.8727%3,612
Return on Equity (ROE)6.2262%3,684
Retained earnings to average equity (ytd only)6.2262%2,215
Net charge-offs to loans1.1152%1,700
Credit loss provision to net charge-offs85.3321%4,559
Earnings coverage of net charge-offs (x)1.2947%4,534
Efficiency ratio76.2237%3,035
Assets per employee ($millions)3.2060%5,677
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.5708%3,583
Loan loss allowance to noncurrent loans60.3672%4,319
Noncurrent assets plus other real estate owned to assets2.3284%3,102
Noncurrent loans to loans2.6021%3,036
Net loans and leases to total assets62.1993%4,644
Net loans and leases to deposits80.4764%3,520
Net loans and leases to core deposits85.3247%3,929
Total domestic deposits to total assets77.2889%6,435
Equity capital to assets11.2206%2,668
Core capital (leverage) ratio8.0844%6,147
Tier 1 risk-based capital ratio12.3864%4,959
Total risk-based capital ratio13.6404%4,938
Memoranda:
Average total assets$593,805,6701,142
Average earning assets$518,898,0001,194
Average equity$66,364,670998
Average total loans$388,815,3301,186
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1684%4,205
Cost of funding earning assets1.7422%2,173
Net interest margin3.4263%5,476
Noninterest income to average assets1.0830%1,083
Noninterest expense to average assets3.2592%2,674
Loan and lease loss provision to assets0.2031%4,468
Net operating income to assets0.4880%4,456
Return on assets (ROA)0.4880%4,590
Pretax return on assets0.6173%4,540
Return on Equity (ROE)4.3755%4,720
Retained earnings to average equity (ytd only)4.3755%3,527
Net charge-offs to loans0.1290%4,194
Credit loss provision to net charge-offs236.2205%1,622
Earnings coverage of net charge-offs (x)9.5433%1,837
Efficiency ratio78.5963%2,792
Assets per employee ($millions)3.2450%5,664
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.6432%3,281
Loan loss allowance to noncurrent loans41.4223%5,588
Noncurrent assets plus other real estate owned to assets2.7493%2,641
Noncurrent loans to loans3.9668%1,980
Net loans and leases to total assets64.2326%4,284
Net loans and leases to deposits83.1681%3,080
Net loans and leases to core deposits88.4718%3,577
Total domestic deposits to total assets77.2322%6,509
Equity capital to assets11.0834%2,693
Core capital (leverage) ratio7.8413%6,449
Tier 1 risk-based capital ratio11.2640%5,887
Total risk-based capital ratio12.5184%5,845
Memoranda:
Average total assets$590,948,0001,172
Average earning assets$516,829,0001,226
Average equity$65,912,0001,012
Average total loans$393,798,5001,194
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4934%4,177
Cost of funding earning assets1.9373%3,265
Net interest margin3.5561%4,718
Noninterest income to average assets1.3073%877
Noninterest expense to average assets3.3628%2,797
Loan and lease loss provision to assets0.9991%2,278
Net operating income to assets0.1003%5,214
Return on assets (ROA)0.1487%5,121
Pretax return on assets0.0932%5,236
Return on Equity (ROE)1.3666%5,125
Retained earnings to average equity (ytd only)0.4165%4,676
Net charge-offs to loans0.8110%2,800
Credit loss provision to net charge-offs188.8021%2,130
Earnings coverage of net charge-offs (x)1.9727%4,241
Efficiency ratio75.0948%3,688
Assets per employee ($millions)3.1607%5,822
Cash dividends to net income (ytd only)*69.5249%1,585
Condition Ratios (%)
Loss allowance to loans1.5849%3,342
Loan loss allowance to noncurrent loans41.2624%5,653
Noncurrent assets plus other real estate owned to assets2.7608%2,529
Noncurrent loans to loans3.8410%1,943
Net loans and leases to total assets66.9363%3,942
Net loans and leases to deposits87.7792%2,597
Net loans and leases to core deposits113.0304%2,599
Total domestic deposits to total assets76.2553%6,630
Equity capital to assets11.2261%2,513
Core capital (leverage) ratio7.9920%6,210
Tier 1 risk-based capital ratio10.9484%5,963
Total risk-based capital ratio12.2020%5,935
Memoranda:
Average total assets$580,499,2001,190
Average earning assets$505,953,2001,248
Average equity$63,151,0001,049
Average total loans$378,793,4001,266
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5104%4,366
Cost of funding earning assets1.9885%3,422
Net interest margin3.5219%4,774
Noninterest income to average assets1.3057%911
Noninterest expense to average assets3.3409%2,762
Loan and lease loss provision to assets1.0340%1,853
Net operating income to assets0.0538%5,599
Return on assets (ROA)0.0990%5,516
Pretax return on assets0.0476%5,615
Return on Equity (ROE)0.9177%5,520
Retained earnings to average equity (ytd only)-0.3599%5,308
Net charge-offs to loans0.8094%2,344
Credit loss provision to net charge-offs197.8892%2,266
Earnings coverage of net charge-offs (x)1.9833%4,331
Efficiency ratio75.1011%3,671
Assets per employee ($millions)3.1160%5,867
Cash dividends to net income (ytd only)*139.2117%318
Condition Ratios (%)
Loss allowance to loans1.4673%3,610
Loan loss allowance to noncurrent loans34.9685%6,081
Noncurrent assets plus other real estate owned to assets2.9513%2,344
Noncurrent loans to loans4.1961%1,722
Net loans and leases to total assets66.4626%4,316
Net loans and leases to deposits90.4713%2,491
Net loans and leases to core deposits115.0683%2,718
Total domestic deposits to total assets73.4626%7,033
Equity capital to assets10.9378%3,074
Core capital (leverage) ratio7.5959%6,865
Tier 1 risk-based capital ratio10.4513%6,524
Total risk-based capital ratio11.7031%6,468
Memoranda:
Average total assets$580,232,7501,206
Average earning assets$506,039,2501,257
Average equity$62,617,0001,068
Average total loans$374,605,0001,297
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5575%4,297
Cost of funding earning assets2.0823%3,352
Net interest margin3.4752%4,915
Noninterest income to average assets1.2847%925
Noninterest expense to average assets3.3392%2,827
Loan and lease loss provision to assets1.4390%1,207
Net operating income to assets-0.2668%6,285
Return on assets (ROA)-0.2654%6,293
Pretax return on assets-0.4660%6,386
Return on Equity (ROE)-2.4709%6,294
Retained earnings to average equity (ytd only)-4.3987%6,206
Net charge-offs to loans0.9792%1,790
Credit loss provision to net charge-offs231.0976%1,998
Earnings coverage of net charge-offs (x)1.5593%4,367
Efficiency ratio76.2313%3,645
Assets per employee ($millions)3.0842%5,907
Cash dividends to net income (ytd only)*-78.0234%8,050
Condition Ratios (%)
Loss allowance to loans1.5699%2,873
Loan loss allowance to noncurrent loans44.5568%5,394
Noncurrent assets plus other real estate owned to assets2.3498%2,764
Noncurrent loans to loans3.5234%1,987
Net loans and leases to total assets63.8616%5,012
Net loans and leases to deposits83.1247%4,023
Net loans and leases to core deposits105.0582%3,951
Total domestic deposits to total assets76.8263%6,367
Equity capital to assets10.5128%3,389
Core capital (leverage) ratio7.2242%7,330
Tier 1 risk-based capital ratio10.2956%6,600
Total risk-based capital ratio11.5484%6,530
Memoranda:
Average total assets$579,415,0001,224
Average earning assets$504,436,6701,274
Average equity$62,245,0001,093
Average total loans$368,461,6701,352
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5272%4,772
Cost of funding earning assets2.1079%3,614
Net interest margin3.4193%5,057
Noninterest income to average assets1.2369%937
Noninterest expense to average assets3.1526%3,183
Loan and lease loss provision to assets0.0829%5,899
Net operating income to assets0.5677%4,151
Return on assets (ROA)0.5677%4,345
Pretax return on assets0.9689%3,471
Return on Equity (ROE)5.2282%4,370
Retained earnings to average equity (ytd only)2.6841%4,390
Net charge-offs to loans-0.1042%7,887
Credit loss provision to net charge-offs-126.3158%6,230
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.7024%3,874
Assets per employee ($millions)3.1642%5,691
Cash dividends to net income (ytd only)*48.6618%1,812
Condition Ratios (%)
Loss allowance to loans1.0260%5,980
Loan loss allowance to noncurrent loans49.3821%5,223
Noncurrent assets plus other real estate owned to assets1.3830%3,881
Noncurrent loans to loans2.0777%3,153
Net loans and leases to total assets61.8941%5,349
Net loans and leases to deposits81.7420%4,327
Net loans and leases to core deposits103.3629%4,207
Total domestic deposits to total assets75.7189%6,572
Equity capital to assets10.8298%3,141
Core capital (leverage) ratio7.6416%6,970
Tier 1 risk-based capital ratio10.8147%6,076
Total risk-based capital ratio11.7634%6,293
Memoranda:
Average total assets$579,208,0001,231
Average earning assets$502,680,5001,288
Average equity$62,889,5001,080
Average total loans$364,595,5001,382
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2709%4,116
Cost of funding earning assets2.6088%3,643
Net interest margin3.6621%4,633
Noninterest income to average assets1.1449%1,179
Noninterest expense to average assets3.1568%3,495
Loan and lease loss provision to assets0.1074%6,001
Net operating income to assets0.8524%3,215
Return on assets (ROA)0.8524%3,053
Pretax return on assets1.0683%3,143
Return on Equity (ROE)7.7358%3,182
Retained earnings to average equity (ytd only)2.3750%3,723
Net charge-offs to loans0.3772%2,955
Credit loss provision to net charge-offs45.1467%6,401
Earnings coverage of net charge-offs (x)4.9421%3,805
Efficiency ratio71.5791%4,014
Assets per employee ($millions)3.1143%5,739
Cash dividends to net income (ytd only)*69.2986%2,203
Condition Ratios (%)
Loss allowance to loans0.9752%6,236
Loan loss allowance to noncurrent loans65.2118%4,747
Noncurrent assets plus other real estate owned to assets1.0411%4,217
Noncurrent loans to loans1.4954%3,556
Net loans and leases to total assets62.7497%5,501
Net loans and leases to deposits83.2188%4,540
Net loans and leases to core deposits104.1380%4,381
Total domestic deposits to total assets75.4033%6,369
Equity capital to assets10.8865%3,130
Core capital (leverage) ratio7.7245%6,893
Tier 1 risk-based capital ratio10.6747%6,028
Total risk-based capital ratio11.5680%6,273
Memoranda:
Average total assets$558,668,8001,214
Average earning assets$486,278,2001,266
Average equity$61,558,0001,089
Average total loans$352,366,0001,378