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CNB Bank and Trust, N.A., Performance and Condition Ratios

2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5455%1,730
Cost of funding earning assets0.7132%1,375
Net interest margin3.8322%2,291
Noninterest income to average assets0.4433%3,158
Noninterest expense to average assets2.4381%3,843
Loan and lease loss provision to assets0.2094%776
Net operating income to assets1.0439%2,673
Return on assets (ROA)1.0439%2,691
Pretax return on assets1.3891%2,050
Return on Equity (ROE)11.7536%1,668
Retained earnings to average equity (ytd only)7.9675%1,850
Net charge-offs to loans0.2621%588
Credit loss provision to net charge-offs105.5437%1,495
Earnings coverage of net charge-offs (x)8.0576%2,051
Efficiency ratio59.6144%4,115
Assets per employee ($millions)4.3414%3,410
Cash dividends to net income (ytd only)*32.2123%2,086
Condition Ratios (%)
Loss allowance to loans1.2033%2,786
Loan loss allowance to noncurrent loans95.5050%3,537
Noncurrent assets plus other real estate owned to assets0.9856%1,594
Noncurrent loans to loans1.2599%1,432
Net loans and leases to total assets74.6508%1,762
Net loans and leases to deposits85.2394%2,270
Net loans and leases to core deposits94.4860%2,098
Total domestic deposits to total assets87.5778%1,861
Equity capital to assets8.8999%4,661
Core capital (leverage) ratio8.5496%5,108
Tier 1 risk-based capital ratio11.1688%5,045
Total risk-based capital ratio12.3994%4,954
Memoranda:
Average total assets$945,659,500811
Average earning assets$886,687,000793
Average equity$83,991,000996
Average total loans$715,865,000767
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5259%1,630
Cost of funding earning assets0.6465%1,316
Net interest margin3.8794%2,155
Noninterest income to average assets0.5271%2,836
Noninterest expense to average assets2.3981%4,085
Loan and lease loss provision to assets0.2409%792
Net operating income to assets0.8991%2,716
Return on assets (ROA)0.9026%2,726
Pretax return on assets1.4813%1,713
Return on Equity (ROE)10.3418%1,755
Retained earnings to average equity (ytd only)6.4249%1,321
Net charge-offs to loans0.3511%725
Credit loss provision to net charge-offs92.3423%2,741
Earnings coverage of net charge-offs (x)6.5811%3,164
Efficiency ratio57.4922%4,589
Assets per employee ($millions)4.6319%2,977
Cash dividends to net income (ytd only)*37.8743%2,954
Condition Ratios (%)
Loss allowance to loans1.1971%2,803
Loan loss allowance to noncurrent loans136.3911%2,984
Noncurrent assets plus other real estate owned to assets0.6922%2,243
Noncurrent loans to loans0.8777%2,028
Net loans and leases to total assets74.9325%1,762
Net loans and leases to deposits86.2719%2,227
Net loans and leases to core deposits95.7181%2,054
Total domestic deposits to total assets86.8562%2,064
Equity capital to assets8.8635%4,846
Core capital (leverage) ratio8.4036%5,222
Tier 1 risk-based capital ratio10.9252%5,190
Total risk-based capital ratio12.1480%5,088
Memoranda:
Average total assets$936,118,200795
Average earning assets$865,753,200786
Average equity$81,697,600994
Average total loans$695,530,800753
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4610%1,755
Cost of funding earning assets0.6309%1,349
Net interest margin3.8301%2,287
Noninterest income to average assets0.5197%2,901
Noninterest expense to average assets2.3205%4,243
Loan and lease loss provision to assets0.2383%747
Net operating income to assets0.9866%2,610
Return on assets (ROA)0.9866%2,669
Pretax return on assets1.4977%1,774
Return on Equity (ROE)11.3501%1,552
Retained earnings to average equity (ytd only)7.6056%1,385
Net charge-offs to loans0.3960%537
Credit loss provision to net charge-offs81.4146%2,563
Earnings coverage of net charge-offs (x)5.9317%3,046
Efficiency ratio56.4053%4,687
Assets per employee ($millions)4.8379%2,654
Cash dividends to net income (ytd only)*32.9908%2,609
Condition Ratios (%)
Loss allowance to loans1.1996%2,937
Loan loss allowance to noncurrent loans99.1605%3,534
Noncurrent assets plus other real estate owned to assets0.9424%1,810
Noncurrent loans to loans1.2098%1,573
Net loans and leases to total assets74.7431%1,797
Net loans and leases to deposits86.1027%2,279
Net loans and leases to core deposits95.5961%2,120
Total domestic deposits to total assets86.8069%1,955
Equity capital to assets9.0985%4,820
Core capital (leverage) ratio8.6257%5,128
Tier 1 risk-based capital ratio11.1818%5,135
Total risk-based capital ratio12.4058%5,054
Memoranda:
Average total assets$933,921,750799
Average earning assets$862,413,250792
Average equity$81,184,0001,004
Average total loans$690,258,750760
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3913%1,843
Cost of funding earning assets0.6205%1,332
Net interest margin3.7709%2,406
Noninterest income to average assets0.5190%2,904
Noninterest expense to average assets2.3201%4,289
Loan and lease loss provision to assets0.2988%516
Net operating income to assets0.9125%2,850
Return on assets (ROA)0.9125%2,901
Pretax return on assets1.3760%2,114
Return on Equity (ROE)10.6606%1,776
Retained earnings to average equity (ytd only)6.9209%1,634
Net charge-offs to loans0.3952%517
Credit loss provision to net charge-offs103.0928%1,969
Earnings coverage of net charge-offs (x)5.7791%2,784
Efficiency ratio57.2703%4,678
Assets per employee ($millions)4.6312%2,890
Cash dividends to net income (ytd only)*35.0795%2,573
Condition Ratios (%)
Loss allowance to loans1.2786%2,515
Loan loss allowance to noncurrent loans86.5664%3,820
Noncurrent assets plus other real estate owned to assets1.1402%1,513
Noncurrent loans to loans1.4771%1,278
Net loans and leases to total assets73.4289%1,971
Net loans and leases to deposits83.2520%2,572
Net loans and leases to core deposits92.9902%2,248
Total domestic deposits to total assets88.2009%1,353
Equity capital to assets8.9018%4,985
Core capital (leverage) ratio8.3118%5,345
Tier 1 risk-based capital ratio11.2148%5,133
Total risk-based capital ratio12.4659%5,026
Memoranda:
Average total assets$937,214,330802
Average earning assets$863,881,000793
Average equity$80,220,6701,013
Average total loans$687,330,000763
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2876%1,989
Cost of funding earning assets0.6076%1,324
Net interest margin3.6800%2,561
Noninterest income to average assets0.4820%3,096
Noninterest expense to average assets2.2531%4,526
Loan and lease loss provision to assets0.1086%1,758
Net operating income to assets0.9874%2,359
Return on assets (ROA)0.9874%2,407
Pretax return on assets1.5076%1,510
Return on Equity (ROE)11.7666%1,319
Retained earnings to average equity (ytd only)7.9742%1,472
Net charge-offs to loans0.1567%1,031
Credit loss provision to net charge-offs95.1673%1,649
Earnings coverage of net charge-offs (x)14.1599%1,741
Efficiency ratio57.3966%4,791
Assets per employee ($millions)4.7015%2,844
Cash dividends to net income (ytd only)*32.2303%2,266
Condition Ratios (%)
Loss allowance to loans1.2875%2,598
Loan loss allowance to noncurrent loans93.7560%3,720
Noncurrent assets plus other real estate owned to assets1.0434%1,737
Noncurrent loans to loans1.3733%1,464
Net loans and leases to total assets71.0200%2,219
Net loans and leases to deposits80.0704%2,747
Net loans and leases to core deposits88.8950%2,464
Total domestic deposits to total assets88.6970%1,321
Equity capital to assets8.4763%5,259
Core capital (leverage) ratio8.1396%5,484
Tier 1 risk-based capital ratio11.0108%5,306
Total risk-based capital ratio12.2616%5,211
Memoranda:
Average total assets$942,703,000799
Average earning assets$867,707,500798
Average equity$79,105,0001,021
Average total loans$686,527,500761
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3609%1,951
Cost of funding earning assets0.6022%1,314
Net interest margin3.7587%2,475
Noninterest income to average assets0.5066%3,191
Noninterest expense to average assets2.4172%4,256
Loan and lease loss provision to assets0.1764%1,369
Net operating income to assets0.9398%2,636
Return on assets (ROA)0.9412%2,737
Pretax return on assets1.4373%1,793
Return on Equity (ROE)10.8881%1,623
Retained earnings to average equity (ytd only)7.3109%1,108
Net charge-offs to loans0.0299%3,419
Credit loss provision to net charge-offs792.4623%466
Earnings coverage of net charge-offs (x)72.4070%773
Efficiency ratio59.1594%4,709
Assets per employee ($millions)4.7256%2,749
Cash dividends to net income (ytd only)*32.8541%3,202
Condition Ratios (%)
Loss allowance to loans1.2648%2,732
Loan loss allowance to noncurrent loans81.2587%3,980
Noncurrent assets plus other real estate owned to assets1.1749%1,550
Noncurrent loans to loans1.5565%1,273
Net loans and leases to total assets72.7765%2,047
Net loans and leases to deposits82.2327%2,641
Net loans and leases to core deposits91.1152%2,387
Total domestic deposits to total assets88.5007%1,377
Equity capital to assets8.3058%5,414
Core capital (leverage) ratio8.0328%5,604
Tier 1 risk-based capital ratio10.6981%5,487
Total risk-based capital ratio11.9487%5,402
Memoranda:
Average total assets$894,158,600811
Average earning assets$837,872,400785
Average equity$77,295,4001,029
Average total loans$664,980,600748
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3169%2,115
Cost of funding earning assets0.6001%1,330
Net interest margin3.7169%2,652
Noninterest income to average assets0.5088%3,188
Noninterest expense to average assets2.3358%4,444
Loan and lease loss provision to assets0.1532%1,524
Net operating income to assets0.9829%2,506
Return on assets (ROA)0.9848%2,635
Pretax return on assets1.5063%1,689
Return on Equity (ROE)11.2745%1,571
Retained earnings to average equity (ytd only)7.7723%1,268
Net charge-offs to loans0.0322%3,002
Credit loss provision to net charge-offs637.7358%592
Earnings coverage of net charge-offs (x)68.9701%865
Efficiency ratio57.6472%4,868
Assets per employee ($millions)4.6960%2,756
Cash dividends to net income (ytd only)*31.0630%2,788
Condition Ratios (%)
Loss allowance to loans1.1978%3,248
Loan loss allowance to noncurrent loans93.8845%3,748
Noncurrent assets plus other real estate owned to assets1.0042%2,054
Noncurrent loans to loans1.2758%1,754
Net loans and leases to total assets75.4206%1,634
Net loans and leases to deposits86.0058%2,255
Net loans and leases to core deposits95.1979%2,079
Total domestic deposits to total assets87.6925%1,559
Equity capital to assets8.8421%5,293
Core capital (leverage) ratio8.3656%5,454
Tier 1 risk-based capital ratio10.7225%5,512
Total risk-based capital ratio11.9600%5,429
Memoranda:
Average total assets$882,598,750821
Average earning assets$827,199,750800
Average equity$77,092,2501,036
Average total loans$657,936,750755
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2680%2,265
Cost of funding earning assets0.6017%1,301
Net interest margin3.6662%2,835
Noninterest income to average assets0.5179%3,083
Noninterest expense to average assets2.3340%4,518
Loan and lease loss provision to assets0.1338%1,708
Net operating income to assets0.9813%2,462
Return on assets (ROA)0.9842%2,596
Pretax return on assets1.4907%1,696
Return on Equity (ROE)11.3153%1,536
Retained earnings to average equity (ytd only)7.7727%1,259
Net charge-offs to loans0.0318%2,825
Credit loss provision to net charge-offs568.9320%596
Earnings coverage of net charge-offs (x)68.9126%785
Efficiency ratio58.1563%4,881
Assets per employee ($millions)4.6513%2,793
Cash dividends to net income (ytd only)*31.3080%2,786
Condition Ratios (%)
Loss allowance to loans1.1930%3,404
Loan loss allowance to noncurrent loans88.6786%3,937
Noncurrent assets plus other real estate owned to assets1.0499%2,025
Noncurrent loans to loans1.3453%1,674
Net loans and leases to total assets73.3897%1,948
Net loans and leases to deposits82.8558%2,606
Net loans and leases to core deposits91.5419%2,381
Total domestic deposits to total assets88.5752%1,127
Equity capital to assets8.8162%5,388
Core capital (leverage) ratio8.1525%5,627
Tier 1 risk-based capital ratio11.1037%5,364
Total risk-based capital ratio12.3490%5,282
Memoranda:
Average total assets$876,255,330831
Average earning assets$821,282,330809
Average equity$76,215,3301,047
Average total loans$647,829,670767
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2794%2,201
Cost of funding earning assets0.5994%1,342
Net interest margin3.6801%2,755
Noninterest income to average assets0.4762%3,296
Noninterest expense to average assets2.3425%4,542
Loan and lease loss provision to assets0.1361%1,540
Net operating income to assets0.9598%2,461
Return on assets (ROA)0.9598%2,577
Pretax return on assets1.4494%1,751
Return on Equity (ROE)11.1121%1,561
Retained earnings to average equity (ytd only)7.5198%1,656
Net charge-offs to loans-0.0262%5,000
Credit loss provision to net charge-offs-704.7619%4,658
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.7478%4,908
Assets per employee ($millions)4.6695%2,791
Cash dividends to net income (ytd only)*32.3276%2,307
Condition Ratios (%)
Loss allowance to loans1.1966%3,504
Loan loss allowance to noncurrent loans91.1418%3,838
Noncurrent assets plus other real estate owned to assets0.9755%2,271
Noncurrent loans to loans1.3129%1,824
Net loans and leases to total assets71.9146%2,052
Net loans and leases to deposits81.1063%2,659
Net loans and leases to core deposits89.9685%2,378
Total domestic deposits to total assets88.6671%1,258
Equity capital to assets8.5839%5,507
Core capital (leverage) ratio7.9667%5,788
Tier 1 risk-based capital ratio10.7550%5,639
Total risk-based capital ratio11.9720%5,561
Memoranda:
Average total assets$870,182,500840
Average earning assets$816,184,000817
Average equity$75,161,5001,060
Average total loans$641,811,000771
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3227%2,139
Cost of funding earning assets0.5761%1,540
Net interest margin3.7465%2,572
Noninterest income to average assets0.5111%3,250
Noninterest expense to average assets2.5123%4,190
Loan and lease loss provision to assets0.2077%1,018
Net operating income to assets0.8437%3,139
Return on assets (ROA)0.8471%3,195
Pretax return on assets1.2831%2,341
Return on Equity (ROE)9.6634%2,148
Retained earnings to average equity (ytd only)6.3283%1,641
Net charge-offs to loans0.1128%2,248
Credit loss provision to net charge-offs256.7771%1,118
Earnings coverage of net charge-offs (x)18.3690%2,016
Efficiency ratio61.6538%4,666
Assets per employee ($millions)4.4668%3,098
Cash dividends to net income (ytd only)*34.5125%3,122
Condition Ratios (%)
Loss allowance to loans1.1584%3,712
Loan loss allowance to noncurrent loans99.1014%3,709
Noncurrent assets plus other real estate owned to assets0.9070%2,391
Noncurrent loans to loans1.1689%2,023
Net loans and leases to total assets73.8989%1,752
Net loans and leases to deposits84.0672%2,352
Net loans and leases to core deposits92.9821%2,134
Total domestic deposits to total assets87.9046%1,682
Equity capital to assets8.6931%5,393
Core capital (leverage) ratio8.1341%5,753
Tier 1 risk-based capital ratio10.6750%5,692
Total risk-based capital ratio11.8539%5,647
Memoranda:
Average total assets$820,962,400845
Average earning assets$764,064,600828
Average equity$71,962,0001,057
Average total loans$588,743,400792
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2969%2,239
Cost of funding earning assets0.5676%1,649
Net interest margin3.7293%2,649
Noninterest income to average assets0.5196%3,229
Noninterest expense to average assets2.5409%4,079
Loan and lease loss provision to assets0.1619%1,320
Net operating income to assets0.8472%3,181
Return on assets (ROA)0.8517%3,251
Pretax return on assets1.2870%2,443
Return on Equity (ROE)9.6958%2,225
Retained earnings to average equity (ytd only)6.4750%1,974
Net charge-offs to loans0.1078%2,054
Credit loss provision to net charge-offs211.8026%1,279
Earnings coverage of net charge-offs (x)18.8669%1,978
Efficiency ratio62.8191%4,437
Assets per employee ($millions)4.3848%3,185
Cash dividends to net income (ytd only)*33.2177%2,653
Condition Ratios (%)
Loss allowance to loans1.1341%4,033
Loan loss allowance to noncurrent loans91.1612%3,871
Noncurrent assets plus other real estate owned to assets0.9284%2,539
Noncurrent loans to loans1.2441%2,051
Net loans and leases to total assets71.1272%2,210
Net loans and leases to deposits81.3992%2,716
Net loans and leases to core deposits89.6692%2,497
Total domestic deposits to total assets87.3808%1,854
Equity capital to assets8.6678%5,596
Core capital (leverage) ratio8.2220%5,757
Tier 1 risk-based capital ratio10.8988%5,706
Total risk-based capital ratio12.0361%5,692
Memoranda:
Average total assets$812,911,000866
Average earning assets$754,937,250848
Average equity$71,410,7501,072
Average total loans$576,461,500814
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2791%2,245
Cost of funding earning assets0.5621%1,710
Net interest margin3.7170%2,639
Noninterest income to average assets0.5139%3,276
Noninterest expense to average assets2.4854%4,287
Loan and lease loss provision to assets0.1760%1,179
Net operating income to assets0.8604%3,078
Return on assets (ROA)0.8622%3,171
Pretax return on assets1.3064%2,336
Return on Equity (ROE)9.7701%2,173
Retained earnings to average equity (ytd only)6.8077%1,789
Net charge-offs to loans0.1422%1,647
Credit loss provision to net charge-offs175.4342%1,371
Earnings coverage of net charge-offs (x)14.7469%2,036
Efficiency ratio61.7080%4,723
Assets per employee ($millions)4.1808%3,506
Cash dividends to net income (ytd only)*30.3205%2,800
Condition Ratios (%)
Loss allowance to loans1.1425%4,122
Loan loss allowance to noncurrent loans82.9944%4,128
Noncurrent assets plus other real estate owned to assets1.0335%2,437
Noncurrent loans to loans1.3766%1,966
Net loans and leases to total assets71.7039%2,045
Net loans and leases to deposits82.5077%2,494
Net loans and leases to core deposits88.3762%2,518
Total domestic deposits to total assets86.9057%2,215
Equity capital to assets8.9267%5,307
Core capital (leverage) ratio8.3563%5,670
Tier 1 risk-based capital ratio11.5002%5,466
Total risk-based capital ratio12.6695%5,442
Memoranda:
Average total assets$803,251,330880
Average earning assets$745,812,000859
Average equity$70,890,0001,086
Average total loans$566,721,330829
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2262%2,362
Cost of funding earning assets0.5618%1,735
Net interest margin3.6644%2,758
Noninterest income to average assets0.5088%3,225
Noninterest expense to average assets2.5005%4,259
Loan and lease loss provision to assets0.1842%1,032
Net operating income to assets0.8011%3,251
Return on assets (ROA)0.8015%3,380
Pretax return on assets1.2176%2,597
Return on Equity (ROE)9.1338%2,389
Retained earnings to average equity (ytd only)6.1554%2,398
Net charge-offs to loans0.0980%1,742
Credit loss provision to net charge-offs270.0730%882
Earnings coverage of net charge-offs (x)20.5474%1,412
Efficiency ratio63.0901%4,617
Assets per employee ($millions)4.2179%3,530
Cash dividends to net income (ytd only)*32.6087%2,271
Condition Ratios (%)
Loss allowance to loans1.1717%4,138
Loan loss allowance to noncurrent loans79.5479%4,185
Noncurrent assets plus other real estate owned to assets1.0384%2,544
Noncurrent loans to loans1.4729%1,923
Net loans and leases to total assets67.8382%2,469
Net loans and leases to deposits77.4592%2,884
Net loans and leases to core deposits82.1692%2,952
Total domestic deposits to total assets87.5792%2,057
Equity capital to assets8.7058%5,567
Core capital (leverage) ratio8.2503%5,777
Tier 1 risk-based capital ratio11.1097%5,756
Total risk-based capital ratio12.2523%5,738
Memoranda:
Average total assets$803,519,500881
Average earning assets$744,017,500859
Average equity$70,507,0001,092
Average total loans$558,967,000836
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4512%2,065
Cost of funding earning assets0.5799%1,953
Net interest margin3.8713%2,355
Noninterest income to average assets0.5005%3,505
Noninterest expense to average assets2.6473%4,062
Loan and lease loss provision to assets0.2171%1,142
Net operating income to assets0.7574%3,587
Return on assets (ROA)0.7612%3,665
Pretax return on assets1.1562%2,848
Return on Equity (ROE)8.6124%2,782
Retained earnings to average equity (ytd only)5.3349%2,384
Net charge-offs to loans0.1983%2,081
Credit loss provision to net charge-offs162.9447%1,493
Earnings coverage of net charge-offs (x)10.2628%2,633
Efficiency ratio64.9449%4,411
Assets per employee ($millions)3.9837%3,995
Cash dividends to net income (ytd only)*38.0557%2,955
Condition Ratios (%)
Loss allowance to loans1.1412%4,330
Loan loss allowance to noncurrent loans79.4792%4,235
Noncurrent assets plus other real estate owned to assets1.0399%2,660
Noncurrent loans to loans1.4359%2,050
Net loans and leases to total assets69.7169%2,274
Net loans and leases to deposits80.0837%2,702
Net loans and leases to core deposits84.9347%2,787
Total domestic deposits to total assets87.0551%2,249
Equity capital to assets8.8464%5,431
Core capital (leverage) ratio8.0161%5,996
Tier 1 risk-based capital ratio10.8561%5,962
Total risk-based capital ratio11.9547%5,961
Memoranda:
Average total assets$759,477,400893
Average earning assets$689,455,800894
Average equity$67,124,2001,102
Average total loans$510,339,800871
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4437%2,071
Cost of funding earning assets0.5806%2,014
Net interest margin3.8632%2,380
Noninterest income to average assets0.5126%3,461
Noninterest expense to average assets2.7146%3,774
Loan and lease loss provision to assets0.2297%967
Net operating income to assets0.7063%3,911
Return on assets (ROA)0.7066%4,011
Pretax return on assets1.0590%3,344
Return on Equity (ROE)7.9965%3,207
Retained earnings to average equity (ytd only)4.3854%3,530
Net charge-offs to loans0.2713%1,447
Credit loss provision to net charge-offs127.6847%1,811
Earnings coverage of net charge-offs (x)7.1606%2,966
Efficiency ratio66.8098%4,083
Assets per employee ($millions)3.9566%3,968
Cash dividends to net income (ytd only)*45.1581%2,093
Condition Ratios (%)
Loss allowance to loans1.1410%4,555
Loan loss allowance to noncurrent loans75.6852%4,309
Noncurrent assets plus other real estate owned to assets1.0496%2,860
Noncurrent loans to loans1.5075%2,150
Net loans and leases to total assets66.6077%2,756
Net loans and leases to deposits76.6056%3,116
Net loans and leases to core deposits81.3796%3,165
Total domestic deposits to total assets86.9488%2,348
Equity capital to assets8.7330%5,617
Core capital (leverage) ratio8.1288%5,986
Tier 1 risk-based capital ratio11.1236%5,944
Total risk-based capital ratio12.2116%5,957
Memoranda:
Average total assets$752,155,750912
Average earning assets$679,561,250911
Average equity$66,461,0001,111
Average total loans$498,862,250903
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4810%1,895
Cost of funding earning assets0.5832%2,049
Net interest margin3.8978%2,176
Noninterest income to average assets0.4748%3,673
Noninterest expense to average assets2.6474%4,065
Loan and lease loss provision to assets0.2132%1,105
Net operating income to assets0.7401%3,621
Return on assets (ROA)0.7405%3,718
Pretax return on assets1.1243%2,996
Return on Equity (ROE)8.3458%2,915
Retained earnings to average equity (ytd only)4.7053%3,151
Net charge-offs to loans0.3730%1,087
Credit loss provision to net charge-offs86.6521%2,234
Earnings coverage of net charge-offs (x)5.4344%2,930
Efficiency ratio65.4259%4,457
Assets per employee ($millions)3.8123%4,231
Cash dividends to net income (ytd only)*43.6205%2,227
Condition Ratios (%)
Loss allowance to loans1.1137%4,844
Loan loss allowance to noncurrent loans73.5782%4,386
Noncurrent assets plus other real estate owned to assets1.0359%2,997
Noncurrent loans to loans1.5136%2,305
Net loans and leases to total assets66.0778%2,739
Net loans and leases to deposits75.0842%3,182
Net loans and leases to core deposits78.5853%3,370
Total domestic deposits to total assets88.0050%1,896
Equity capital to assets8.9958%5,305
Core capital (leverage) ratio8.1675%5,963
Tier 1 risk-based capital ratio11.4017%5,852
Total risk-based capital ratio12.4542%5,896
Memoranda:
Average total assets$743,059,000917
Average earning assets$669,046,330924
Average equity$65,925,0001,111
Average total loans$490,095,330908
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4503%1,962
Cost of funding earning assets0.5833%2,133
Net interest margin3.8671%2,206
Noninterest income to average assets0.4389%3,875
Noninterest expense to average assets2.6909%3,960
Loan and lease loss provision to assets0.1640%1,482
Net operating income to assets0.7052%3,660
Return on assets (ROA)0.7052%3,738
Pretax return on assets1.0646%3,065
Return on Equity (ROE)8.0052%2,926
Retained earnings to average equity (ytd only)4.3190%3,537
Net charge-offs to loans0.2222%1,433
Credit loss provision to net charge-offs112.6394%1,520
Earnings coverage of net charge-offs (x)8.4387%2,023
Efficiency ratio67.6056%4,249
Assets per employee ($millions)3.8585%4,217
Cash dividends to net income (ytd only)*46.0476%1,812
Condition Ratios (%)
Loss allowance to loans1.1837%4,716
Loan loss allowance to noncurrent loans72.9431%4,404
Noncurrent assets plus other real estate owned to assets1.1873%2,884
Noncurrent loans to loans1.6228%2,401
Net loans and leases to total assets63.0946%3,059
Net loans and leases to deposits71.7037%3,376
Net loans and leases to core deposits74.8821%3,544
Total domestic deposits to total assets87.9935%2,240
Equity capital to assets8.6577%5,488
Core capital (leverage) ratio8.1219%6,019
Tier 1 risk-based capital ratio11.0000%6,154
Total risk-based capital ratio12.0598%6,199
Memoranda:
Average total assets$739,079,000923
Average earning assets$665,207,000934
Average equity$65,107,5001,122
Average total loans$484,220,000924
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4737%2,306
Cost of funding earning assets0.6495%2,207
Net interest margin3.8241%2,554
Noninterest income to average assets0.4889%3,826
Noninterest expense to average assets2.6310%4,352
Loan and lease loss provision to assets0.1744%2,120
Net operating income to assets0.7729%3,431
Return on assets (ROA)0.7772%3,512
Pretax return on assets1.1418%2,801
Return on Equity (ROE)8.6830%2,708
Retained earnings to average equity (ytd only)4.7525%2,769
Net charge-offs to loans0.2202%2,702
Credit loss provision to net charge-offs124.5264%1,912
Earnings coverage of net charge-offs (x)9.3549%2,518
Efficiency ratio65.6878%4,617
Assets per employee ($millions)3.7204%4,433
Cash dividends to net income (ytd only)*45.2668%2,536
Condition Ratios (%)
Loss allowance to loans1.1822%4,747
Loan loss allowance to noncurrent loans75.1744%4,331
Noncurrent assets plus other real estate owned to assets1.2679%2,878
Noncurrent loans to loans1.5726%2,539
Net loans and leases to total assets66.4853%2,618
Net loans and leases to deposits75.3373%3,052
Net loans and leases to core deposits78.2283%3,330
Total domestic deposits to total assets88.2502%2,028
Equity capital to assets8.9697%5,071
Core capital (leverage) ratio8.2073%5,966
Tier 1 risk-based capital ratio11.0884%6,126
Total risk-based capital ratio12.1645%6,159
Memoranda:
Average total assets$716,296,800923
Average earning assets$646,602,800937
Average equity$64,114,0001,116
Average total loans$455,527,800935
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3816%2,646
Cost of funding earning assets0.6521%2,345
Net interest margin3.7295%2,924
Noninterest income to average assets0.4302%4,295
Noninterest expense to average assets2.4401%4,907
Loan and lease loss provision to assets0.1656%2,188
Net operating income to assets0.8266%3,220
Return on assets (ROA)0.8266%3,340
Pretax return on assets1.1937%2,730
Return on Equity (ROE)9.2397%2,519
Retained earnings to average equity (ytd only)5.3048%2,873
Net charge-offs to loans0.2693%2,204
Credit loss provision to net charge-offs98.1236%2,433
Earnings coverage of net charge-offs (x)8.0552%2,685
Efficiency ratio63.1109%4,966
Assets per employee ($millions)3.6762%4,495
Cash dividends to net income (ytd only)*42.5868%2,181
Condition Ratios (%)
Loss allowance to loans1.1867%4,925
Loan loss allowance to noncurrent loans79.4864%4,090
Noncurrent assets plus other real estate owned to assets1.2490%3,142
Noncurrent loans to loans1.4929%2,924
Net loans and leases to total assets63.6086%3,056
Net loans and leases to deposits72.3178%3,474
Net loans and leases to core deposits75.0268%3,729
Total domestic deposits to total assets87.9570%2,158
Equity capital to assets8.9664%5,226
Core capital (leverage) ratio8.2217%6,040
Tier 1 risk-based capital ratio11.3710%6,113
Total risk-based capital ratio12.4340%6,166
Memoranda:
Average total assets$715,861,750930
Average earning assets$646,682,000944
Average equity$64,041,0001,135
Average total loans$448,634,750957
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3439%2,776
Cost of funding earning assets0.6633%2,376
Net interest margin3.6806%3,033
Noninterest income to average assets0.4409%4,242
Noninterest expense to average assets2.3687%5,145
Loan and lease loss provision to assets0.2271%1,663
Net operating income to assets0.8354%3,119
Return on assets (ROA)0.8354%3,274
Pretax return on assets1.1675%2,815
Return on Equity (ROE)9.3457%2,474
Retained earnings to average equity (ytd only)5.4126%2,800
Net charge-offs to loans0.3379%1,837
Credit loss provision to net charge-offs108.2447%2,051
Earnings coverage of net charge-offs (x)6.6463%2,680
Efficiency ratio61.8225%5,197
Assets per employee ($millions)3.7391%4,323
Cash dividends to net income (ytd only)*42.0842%2,173
Condition Ratios (%)
Loss allowance to loans1.2647%4,669
Loan loss allowance to noncurrent loans75.7435%4,193
Noncurrent assets plus other real estate owned to assets1.4009%3,009
Noncurrent loans to loans1.6697%2,809
Net loans and leases to total assets60.4217%3,588
Net loans and leases to deposits68.3917%3,953
Net loans and leases to core deposits71.1432%4,154
Total domestic deposits to total assets88.3465%2,014
Equity capital to assets8.9125%5,310
Core capital (leverage) ratio8.0380%6,158
Tier 1 risk-based capital ratio11.5972%6,057
Total risk-based capital ratio12.7143%6,093
Memoranda:
Average total assets$716,753,330932
Average earning assets$647,021,330936
Average equity$64,072,3301,139
Average total loans$445,147,670960
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3794%2,597
Cost of funding earning assets0.6774%2,412
Net interest margin3.7020%2,845
Noninterest income to average assets0.4345%4,221
Noninterest expense to average assets2.3998%5,120
Loan and lease loss provision to assets0.3933%792
Net operating income to assets0.7520%3,429
Return on assets (ROA)0.7520%3,565
Pretax return on assets0.9782%3,447
Return on Equity (ROE)8.4003%2,771
Retained earnings to average equity (ytd only)4.4802%3,545
Net charge-offs to loans0.5102%1,180
Credit loss provision to net charge-offs123.2112%1,574
Earnings coverage of net charge-offs (x)4.2967%2,584
Efficiency ratio62.5111%5,237
Assets per employee ($millions)3.8571%4,238
Cash dividends to net income (ytd only)*46.6667%1,672
Condition Ratios (%)
Loss allowance to loans1.2546%4,920
Loan loss allowance to noncurrent loans79.9258%3,947
Noncurrent assets plus other real estate owned to assets1.3601%3,237
Noncurrent loans to loans1.5697%3,180
Net loans and leases to total assets60.4410%3,356
Net loans and leases to deposits68.2791%3,745
Net loans and leases to core deposits71.2209%3,930
Total domestic deposits to total assets88.5206%1,991
Equity capital to assets8.8424%5,674
Core capital (leverage) ratio7.9002%6,216
Tier 1 risk-based capital ratio11.1562%6,339
Total risk-based capital ratio12.2662%6,374
Memoranda:
Average total assets$718,048,000940
Average earning assets$647,214,500942
Average equity$64,283,5001,146
Average total loans$449,203,000954
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6863%2,650
Cost of funding earning assets0.7902%2,744
Net interest margin3.8960%2,844
Noninterest income to average assets0.3952%4,650
Noninterest expense to average assets2.3045%5,682
Loan and lease loss provision to assets0.3339%2,024
Net operating income to assets0.8810%2,912
Return on assets (ROA)0.8818%3,150
Pretax return on assets1.3167%2,335
Return on Equity (ROE)9.8668%2,226
Retained earnings to average equity (ytd only)5.7237%2,238
Net charge-offs to loans0.4424%2,464
Credit loss provision to net charge-offs116.4350%2,476
Earnings coverage of net charge-offs (x)5.7512%2,962
Efficiency ratio57.1922%5,936
Assets per employee ($millions)3.9066%4,140
Cash dividends to net income (ytd only)*41.9897%2,749
Condition Ratios (%)
Loss allowance to loans1.2086%5,076
Loan loss allowance to noncurrent loans68.5696%4,311
Noncurrent assets plus other real estate owned to assets1.5494%3,064
Noncurrent loans to loans1.7625%2,971
Net loans and leases to total assets63.1778%3,017
Net loans and leases to deposits71.6829%3,461
Net loans and leases to core deposits75.4307%3,608
Total domestic deposits to total assets88.1351%2,140
Equity capital to assets9.0661%5,447
Core capital (leverage) ratio7.9574%6,235
Tier 1 risk-based capital ratio11.0430%6,333
Total risk-based capital ratio12.1304%6,367
Memoranda:
Average total assets$702,233,200937
Average earning assets$641,446,600939
Average equity$62,756,2001,135
Average total loans$455,262,200913
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7103%2,770
Cost of funding earning assets0.8128%2,841
Net interest margin3.8975%2,919
Noninterest income to average assets0.3823%4,765
Noninterest expense to average assets2.2681%5,778
Loan and lease loss provision to assets0.4129%1,548
Net operating income to assets0.8598%3,172
Return on assets (ROA)0.8608%3,414
Pretax return on assets1.2823%2,664
Return on Equity (ROE)9.6678%2,512
Retained earnings to average equity (ytd only)5.6093%2,956
Net charge-offs to loans0.4561%2,275
Credit loss provision to net charge-offs139.1667%2,074
Earnings coverage of net charge-offs (x)5.7083%2,949
Efficiency ratio56.1594%6,038
Assets per employee ($millions)3.7680%4,381
Cash dividends to net income (ytd only)*41.9796%2,056
Condition Ratios (%)
Loss allowance to loans1.2780%4,910
Loan loss allowance to noncurrent loans75.7416%3,995
Noncurrent assets plus other real estate owned to assets1.4599%3,414
Noncurrent loans to loans1.6874%3,263
Net loans and leases to total assets62.9805%3,206
Net loans and leases to deposits73.4936%3,367
Net loans and leases to core deposits77.5423%3,526
Total domestic deposits to total assets85.6953%3,419
Equity capital to assets9.0386%5,791
Core capital (leverage) ratio7.8479%6,440
Tier 1 risk-based capital ratio10.8754%6,531
Total risk-based capital ratio12.0228%6,553
Memoranda:
Average total assets$701,017,500947
Average earning assets$643,822,000940
Average equity$62,418,7501,148
Average total loans$456,029,500911
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7332%2,785
Cost of funding earning assets0.8517%2,784
Net interest margin3.8815%2,990
Noninterest income to average assets0.3810%4,792
Noninterest expense to average assets2.2675%5,823
Loan and lease loss provision to assets0.2338%2,733
Net operating income to assets0.9483%2,665
Return on assets (ROA)0.9500%2,918
Pretax return on assets1.4472%2,022
Return on Equity (ROE)10.7233%2,088
Retained earnings to average equity (ytd only)6.5295%2,370
Net charge-offs to loans-0.1471%6,938
Credit loss provision to net charge-offs-242.7300%6,175
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.3700%6,078
Assets per employee ($millions)3.7775%4,373
Cash dividends to net income (ytd only)*39.1095%2,207
Condition Ratios (%)
Loss allowance to loans1.3670%4,583
Loan loss allowance to noncurrent loans79.5975%3,809
Noncurrent assets plus other real estate owned to assets1.5306%3,404
Noncurrent loans to loans1.7174%3,317
Net loans and leases to total assets64.2357%2,982
Net loans and leases to deposits74.1500%3,269
Net loans and leases to core deposits78.6335%3,428
Total domestic deposits to total assets86.6295%2,991
Equity capital to assets8.9066%5,800
Core capital (leverage) ratio7.6761%6,529
Tier 1 risk-based capital ratio10.6589%6,635
Total risk-based capital ratio11.9054%6,626
Memoranda:
Average total assets$699,816,330948
Average earning assets$642,737,330944
Average equity$61,995,6701,149
Average total loans$458,199,670898
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7560%2,825
Cost of funding earning assets0.9087%2,622
Net interest margin3.8472%3,147
Noninterest income to average assets0.4629%4,204
Noninterest expense to average assets2.2839%5,811
Loan and lease loss provision to assets0.0879%4,272
Net operating income to assets1.0778%2,178
Return on assets (ROA)1.0808%2,347
Pretax return on assets1.6332%1,475
Return on Equity (ROE)12.2336%1,607
Retained earnings to average equity (ytd only)7.6834%2,097
Net charge-offs to loans-0.3578%7,099
Credit loss provision to net charge-offs-37.4083%5,411
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.0006%6,121
Assets per employee ($millions)3.8409%4,340
Cash dividends to net income (ytd only)*37.1945%1,849
Condition Ratios (%)
Loss allowance to loans1.2677%5,172
Loan loss allowance to noncurrent loans100.8677%3,051
Noncurrent assets plus other real estate owned to assets1.1442%4,220
Noncurrent loans to loans1.2568%4,233
Net loans and leases to total assets62.4331%3,165
Net loans and leases to deposits72.6681%3,330
Net loans and leases to core deposits77.1966%3,439
Total domestic deposits to total assets85.9154%3,580
Equity capital to assets8.7424%5,819
Core capital (leverage) ratio7.6328%6,546
Tier 1 risk-based capital ratio10.4907%6,741
Total risk-based capital ratio11.6211%6,770
Memoranda:
Average total assets$696,525,500950
Average earning assets$640,460,000943
Average equity$61,535,5001,153
Average total loans$457,275,000901
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0407%2,707
Cost of funding earning assets1.1594%2,287
Net interest margin3.8813%3,419
Noninterest income to average assets0.4539%4,188
Noninterest expense to average assets2.4349%5,685
Loan and lease loss provision to assets0.3482%2,914
Net operating income to assets0.7716%3,170
Return on assets (ROA)0.7716%3,329
Pretax return on assets1.1633%2,601
Return on Equity (ROE)8.9375%2,479
Retained earnings to average equity (ytd only)6.3832%1,812
Net charge-offs to loans0.4369%3,254
Credit loss provision to net charge-offs119.7869%2,665
Earnings coverage of net charge-offs (x)5.1994%2,876
Efficiency ratio60.0538%5,749
Assets per employee ($millions)3.7916%4,339
Cash dividends to net income (ytd only)*28.5796%3,181
Condition Ratios (%)
Loss allowance to loans1.1036%5,799
Loan loss allowance to noncurrent loans44.2853%5,349
Noncurrent assets plus other real estate owned to assets2.0903%2,854
Noncurrent loans to loans2.4919%2,632
Net loans and leases to total assets67.4143%2,502
Net loans and leases to deposits78.4042%2,774
Net loans and leases to core deposits83.4920%2,957
Total domestic deposits to total assets85.9831%3,333
Equity capital to assets8.9307%5,636
Core capital (leverage) ratio7.6076%6,598
Tier 1 risk-based capital ratio10.1007%6,828
Total risk-based capital ratio11.1061%6,883
Memoranda:
Average total assets$677,968,000956
Average earning assets$610,077,800966
Average equity$58,528,8001,161
Average total loans$451,138,400928
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9840%3,172
Cost of funding earning assets1.2097%2,260
Net interest margin3.7743%3,992
Noninterest income to average assets0.4891%3,956
Noninterest expense to average assets2.4888%5,505
Loan and lease loss provision to assets0.3814%2,572
Net operating income to assets0.6808%3,710
Return on assets (ROA)0.6808%3,884
Pretax return on assets1.0031%3,384
Return on Equity (ROE)7.9551%3,055
Retained earnings to average equity (ytd only)6.4014%2,295
Net charge-offs to loans0.5519%2,581
Credit loss provision to net charge-offs104.4792%3,187
Earnings coverage of net charge-offs (x)3.7928%3,295
Efficiency ratio62.5776%5,315
Assets per employee ($millions)3.7857%4,337
Cash dividends to net income (ytd only)*19.5313%2,950
Condition Ratios (%)
Loss allowance to loans1.0712%5,988
Loan loss allowance to noncurrent loans38.4560%5,722
Noncurrent assets plus other real estate owned to assets2.1793%2,926
Noncurrent loans to loans2.7855%2,501
Net loans and leases to total assets65.4223%3,025
Net loans and leases to deposits75.9502%3,337
Net loans and leases to core deposits80.7617%3,520
Total domestic deposits to total assets86.1384%3,145
Equity capital to assets8.8389%5,936
Core capital (leverage) ratio7.4810%6,774
Tier 1 risk-based capital ratio10.1714%6,904
Total risk-based capital ratio11.1433%6,970
Memoranda:
Average total assets$676,839,750969
Average earning assets$606,856,250973
Average equity$57,923,5001,174
Average total loans$447,617,250948
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9347%3,469
Cost of funding earning assets1.2281%2,396
Net interest margin3.7066%4,230
Noninterest income to average assets0.4735%4,075
Noninterest expense to average assets2.2172%6,341
Loan and lease loss provision to assets0.3997%2,420
Net operating income to assets0.8205%2,979
Return on assets (ROA)0.8205%3,097
Pretax return on assets1.2687%2,244
Return on Equity (ROE)10.8377%1,850
Retained earnings to average equity (ytd only)8.5740%1,242
Net charge-offs to loans0.0073%5,764
Credit loss provision to net charge-offs7,580.0000%40
Earnings coverage of net charge-offs (x)316.4000%107
Efficiency ratio54.9600%6,512
Assets per employee ($millions)4.1106%3,533
Cash dividends to net income (ytd only)*20.8869%2,827
Condition Ratios (%)
Loss allowance to loans1.2704%5,195
Loan loss allowance to noncurrent loans42.2161%5,508
Noncurrent assets plus other real estate owned to assets2.1511%3,046
Noncurrent loans to loans3.0092%2,413
Net loans and leases to total assets70.5767%2,097
Net loans and leases to deposits81.4359%2,532
Net loans and leases to core deposits88.5197%2,561
Total domestic deposits to total assets86.6653%2,949
Equity capital to assets7.6419%6,884
Core capital (leverage) ratio7.0199%6,990
Tier 1 risk-based capital ratio9.3905%7,122
Total risk-based capital ratio10.6071%7,130
Memoranda:
Average total assets$379,299,0001,729
Average earning assets$349,160,6701,716
Average equity$28,714,6702,265
Average total loans$274,464,3301,579
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8915%3,633
Cost of funding earning assets1.2603%2,429
Net interest margin3.6312%4,421
Noninterest income to average assets0.4695%4,119
Noninterest expense to average assets2.3271%6,122
Loan and lease loss provision to assets0.5610%1,538
Net operating income to assets0.6036%4,015
Return on assets (ROA)0.6036%4,080
Pretax return on assets0.9155%3,442
Return on Equity (ROE)8.0119%2,908
Retained earnings to average equity (ytd only)8.0119%1,728
Net charge-offs to loans-0.0044%6,228
Credit loss provision to net charge-offs-17,566.6667%6,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.0260%6,127
Assets per employee ($millions)4.1612%3,518
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.2142%5,561
Loan loss allowance to noncurrent loans32.6747%6,123
Noncurrent assets plus other real estate owned to assets2.5749%2,657
Noncurrent loans to loans3.7160%1,984
Net loans and leases to total assets68.4525%2,464
Net loans and leases to deposits78.4658%2,985
Net loans and leases to core deposits85.1509%3,010
Total domestic deposits to total assets87.2386%2,804
Equity capital to assets7.3188%6,962
Core capital (leverage) ratio7.0308%6,993
Tier 1 risk-based capital ratio9.1828%7,201
Total risk-based capital ratio10.3300%7,222
Memoranda:
Average total assets$375,749,5001,747
Average earning assets$345,009,5001,744
Average equity$28,308,0002,283
Average total loans$273,588,5001,604
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0739%4,214
Cost of funding earning assets1.4801%2,761
Net interest margin3.5937%4,849
Noninterest income to average assets0.5498%3,827
Noninterest expense to average assets2.5817%5,492
Loan and lease loss provision to assets1.0409%1,551
Net operating income to assets0.1850%5,322
Return on assets (ROA)0.2021%5,432
Pretax return on assets0.2045%5,484
Return on Equity (ROE)2.5218%5,171
Retained earnings to average equity (ytd only)1.7656%4,620
Net charge-offs to loans1.1019%2,022
Credit loss provision to net charge-offs131.6475%2,998
Earnings coverage of net charge-offs (x)1.5533%4,578
Efficiency ratio65.2990%5,111
Assets per employee ($millions)3.8334%4,167
Cash dividends to net income (ytd only)*29.9850%3,042
Condition Ratios (%)
Loss allowance to loans0.9999%6,390
Loan loss allowance to noncurrent loans29.7522%6,307
Noncurrent assets plus other real estate owned to assets2.5753%2,706
Noncurrent loans to loans3.3607%2,262
Net loans and leases to total assets75.8636%1,299
Net loans and leases to deposits86.0585%2,085
Net loans and leases to core deposits93.9093%2,268
Total domestic deposits to total assets88.1535%2,147
Equity capital to assets7.7670%6,696
Core capital (leverage) ratio7.0894%6,983
Tier 1 risk-based capital ratio8.7742%7,282
Total risk-based capital ratio9.7168%7,314
Memoranda:
Average total assets$330,091,8001,973
Average earning assets$299,437,2001,983
Average equity$26,449,6002,423
Average total loans$236,863,8001,846
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9213%5,166
Cost of funding earning assets1.5042%2,953
Net interest margin3.4171%5,613
Noninterest income to average assets0.5498%3,788
Noninterest expense to average assets2.8131%4,429
Loan and lease loss provision to assets0.8152%1,854
Net operating income to assets0.0666%5,846
Return on assets (ROA)0.0889%5,940
Pretax return on assets0.0306%6,043
Return on Equity (ROE)1.0998%5,870
Retained earnings to average equity (ytd only)0.0767%5,748
Net charge-offs to loans0.1245%5,310
Credit loss provision to net charge-offs930.1887%310
Earnings coverage of net charge-offs (x)9.3962%2,028
Efficiency ratio74.7073%3,195
Assets per employee ($millions)3.7075%4,491
Cash dividends to net income (ytd only)*93.0231%428
Condition Ratios (%)
Loss allowance to loans1.5351%3,804
Loan loss allowance to noncurrent loans30.5034%6,306
Noncurrent assets plus other real estate owned to assets3.6367%1,958
Noncurrent loans to loans5.0326%1,365
Net loans and leases to total assets71.1536%2,451
Net loans and leases to deposits82.1580%3,076
Net loans and leases to core deposits91.1658%2,927
Total domestic deposits to total assets86.6058%2,753
Equity capital to assets7.6981%6,998
Core capital (leverage) ratio7.0543%7,137
Tier 1 risk-based capital ratio8.8757%7,384
Total risk-based capital ratio10.1313%7,398
Memoranda:
Average total assets$322,529,0002,044
Average earning assets$291,350,5002,067
Average equity$26,065,0002,491
Average total loans$227,047,2501,943
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1136%4,384
Cost of funding earning assets1.5225%3,116
Net interest margin3.5911%4,857
Noninterest income to average assets0.5505%3,709
Noninterest expense to average assets2.8426%4,300
Loan and lease loss provision to assets0.1517%5,385
Net operating income to assets0.5489%4,098
Return on assets (ROA)0.5722%4,129
Pretax return on assets0.8245%3,798
Return on Equity (ROE)6.9584%3,320
Retained earnings to average equity (ytd only)5.4086%2,672
Net charge-offs to loans0.1115%5,043
Credit loss provision to net charge-offs195.0820%2,025
Earnings coverage of net charge-offs (x)12.1230%1,702
Efficiency ratio72.4916%3,740
Assets per employee ($millions)3.4906%4,950
Cash dividends to net income (ytd only)*22.2717%2,824
Condition Ratios (%)
Loss allowance to loans0.8778%6,829
Loan loss allowance to noncurrent loans32.1373%6,221
Noncurrent assets plus other real estate owned to assets1.9450%3,558
Noncurrent loans to loans2.7315%2,918
Net loans and leases to total assets70.5824%2,776
Net loans and leases to deposits80.4373%3,527
Net loans and leases to core deposits87.7962%3,573
Total domestic deposits to total assets87.7484%2,137
Equity capital to assets8.0166%6,744
Core capital (leverage) ratio7.4382%6,885
Tier 1 risk-based capital ratio9.2111%7,371
Total risk-based capital ratio10.0125%7,468
Memoranda:
Average total assets$313,871,6702,124
Average earning assets$282,697,3302,140
Average equity$25,810,6702,503
Average total loans$218,784,0002,036
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0702%4,674
Cost of funding earning assets1.5536%3,245
Net interest margin3.5166%5,098
Noninterest income to average assets0.5112%3,962
Noninterest expense to average assets2.6432%5,170
Loan and lease loss provision to assets0.3469%3,302
Net operating income to assets0.4943%4,419
Return on assets (ROA)0.5425%4,306
Pretax return on assets0.7589%4,029
Return on Equity (ROE)6.5092%3,615
Retained earnings to average equity (ytd only)3.3798%4,129
Net charge-offs to loans-0.0132%6,961
Credit loss provision to net charge-offs-3,800.0000%6,610
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0755%4,493
Assets per employee ($millions)3.3273%5,484
Cash dividends to net income (ytd only)*48.0769%1,524
Condition Ratios (%)
Loss allowance to loans0.9126%6,809
Loan loss allowance to noncurrent loans38.6698%5,780
Noncurrent assets plus other real estate owned to assets1.6297%4,043
Noncurrent loans to loans2.3601%3,315
Net loans and leases to total assets68.4214%3,292
Net loans and leases to deposits78.1306%4,017
Net loans and leases to core deposits82.1569%4,468
Total domestic deposits to total assets87.5731%2,319
Equity capital to assets8.2272%6,394
Core capital (leverage) ratio7.6161%6,720
Tier 1 risk-based capital ratio9.4333%7,337
Total risk-based capital ratio10.2411%7,491
Memoranda:
Average total assets$306,747,5002,212
Average earning assets$276,516,5002,232
Average equity$25,564,0002,557
Average total loans$211,353,0002,166
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3673%4,850
Cost of funding earning assets2.0443%2,747
Net interest margin3.3230%5,651
Noninterest income to average assets0.7008%2,973
Noninterest expense to average assets2.5278%6,036
Loan and lease loss provision to assets0.5626%3,561
Net operating income to assets0.5009%3,724
Return on assets (ROA)0.5964%3,425
Pretax return on assets0.7872%3,289
Return on Equity (ROE)6.8119%2,865
Retained earnings to average equity (ytd only)1.4676%4,040
Net charge-offs to loans0.4452%4,011
Credit loss provision to net charge-offs190.3776%2,099
Earnings coverage of net charge-offs (x)4.1425%3,038
Efficiency ratio64.6105%5,658
Assets per employee ($millions)3.2336%5,643
Cash dividends to net income (ytd only)*78.4550%1,238
Condition Ratios (%)
Loss allowance to loans0.9360%6,685
Loan loss allowance to noncurrent loans92.8503%3,009
Noncurrent assets plus other real estate owned to assets0.6930%5,721
Noncurrent loans to loans1.0080%5,299
Net loans and leases to total assets68.1015%3,683
Net loans and leases to deposits77.9906%4,375
Net loans and leases to core deposits99.0128%4,110
Total domestic deposits to total assets87.3201%2,311
Equity capital to assets8.4448%5,982
Core capital (leverage) ratio7.6194%6,657
Tier 1 risk-based capital ratio9.6369%7,131
Total risk-based capital ratio10.4642%7,368
Memoranda:
Average total assets$277,831,4002,362
Average earning assets$255,099,0002,365
Average equity$24,325,0002,681
Average total loans$184,392,8002,466
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3013%5,415
Cost of funding earning assets2.1531%2,630
Net interest margin3.1481%6,185
Noninterest income to average assets0.6894%3,093
Noninterest expense to average assets2.6278%5,608
Loan and lease loss provision to assets0.3146%4,459
Net operating income to assets0.4896%4,027
Return on assets (ROA)0.6105%3,622
Pretax return on assets0.8119%3,503
Return on Equity (ROE)6.9056%3,117
Retained earnings to average equity (ytd only)3.7188%3,207
Net charge-offs to loans0.4288%3,541
Credit loss provision to net charge-offs111.6522%4,550
Earnings coverage of net charge-offs (x)3.4261%3,539
Efficiency ratio70.2577%4,538
Assets per employee ($millions)3.2923%5,422
Cash dividends to net income (ytd only)*46.1479%2,195
Condition Ratios (%)
Loss allowance to loans0.7230%7,315
Loan loss allowance to noncurrent loans48.4296%5,084
Noncurrent assets plus other real estate owned to assets1.0105%5,057
Noncurrent loans to loans1.4928%4,426
Net loans and leases to total assets67.2028%4,134
Net loans and leases to deposits77.9704%4,741
Net loans and leases to core deposits96.2213%4,787
Total domestic deposits to total assets86.1902%2,595
Equity capital to assets8.7500%5,879
Core capital (leverage) ratio8.0244%6,316
Tier 1 risk-based capital ratio9.6593%7,270
Total risk-based capital ratio10.2675%7,627
Memoranda:
Average total assets$272,107,0002,409
Average earning assets$250,978,2502,415
Average equity$24,057,2502,746
Average total loans$178,807,0002,557
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2504%5,868
Cost of funding earning assets2.2853%2,415
Net interest margin2.9651%6,644
Noninterest income to average assets0.7219%2,855
Noninterest expense to average assets2.4448%6,318
Loan and lease loss provision to assets0.2987%4,174
Net operating income to assets0.5443%3,909
Return on assets (ROA)0.7151%3,293
Pretax return on assets0.9406%3,209
Return on Equity (ROE)8.0578%2,748
Retained earnings to average equity (ytd only)3.5954%3,299
Net charge-offs to loans0.6849%2,333
Credit loss provision to net charge-offs67.1186%5,473
Earnings coverage of net charge-offs (x)2.2797%3,928
Efficiency ratio67.7715%5,193
Assets per employee ($millions)3.2674%5,408
Cash dividends to net income (ytd only)*55.3797%1,845
Condition Ratios (%)
Loss allowance to loans0.5632%7,707
Loan loss allowance to noncurrent loans38.9869%5,804
Noncurrent assets plus other real estate owned to assets0.9164%5,142
Noncurrent loans to loans1.4445%4,331
Net loans and leases to total assets63.0871%5,169
Net loans and leases to deposits72.7650%5,636
Net loans and leases to core deposits86.7537%5,831
Total domestic deposits to total assets86.6998%2,406
Equity capital to assets8.4780%6,082
Core capital (leverage) ratio7.8692%6,531
Tier 1 risk-based capital ratio9.8952%7,047
Total risk-based capital ratio10.3546%7,644
Memoranda:
Average total assets$265,137,3302,488
Average earning assets$244,782,6702,477
Average equity$23,530,0002,808
Average total loans$172,293,0002,659
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0009%6,929
Cost of funding earning assets2.2971%2,713
Net interest margin2.7038%7,199
Noninterest income to average assets0.7689%2,489
Noninterest expense to average assets2.1070%7,101
Loan and lease loss provision to assets0.2283%4,164
Net operating income to assets0.6506%3,799
Return on assets (ROA)0.9813%2,523
Pretax return on assets1.3935%1,985
Return on Equity (ROE)10.7802%2,033
Retained earnings to average equity (ytd only)10.7802%1,012
Net charge-offs to loans-0.0072%7,231
Credit loss provision to net charge-offs-4,800.0000%6,721
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.0477%5,863
Assets per employee ($millions)3.1602%5,703
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.7679%7,256
Loan loss allowance to noncurrent loans48.7413%5,263
Noncurrent assets plus other real estate owned to assets0.9427%4,832
Noncurrent loans to loans1.5755%3,917
Net loans and leases to total assets59.3783%5,760
Net loans and leases to deposits68.2107%6,164
Net loans and leases to core deposits80.8516%6,320
Total domestic deposits to total assets87.0513%2,190
Equity capital to assets8.2452%6,472
Core capital (leverage) ratio9.6837%3,777
Tier 1 risk-based capital ratio10.2143%6,702
Total risk-based capital ratio10.8429%7,280
Memoranda:
Average total assets$252,305,5002,620
Average earning assets$232,118,0002,618
Average equity$22,968,0002,881
Average total loans$166,191,0002,750
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2018%4,508
Cost of funding earning assets2.1610%5,775
Net interest margin4.0408%2,939
Noninterest income to average assets0.8710%2,103
Noninterest expense to average assets2.4667%6,143
Loan and lease loss provision to assets0.2263%4,625
Net operating income to assets1.2431%1,646
Return on assets (ROA)1.2453%1,582
Pretax return on assets1.8416%862
Return on Equity (ROE)11.0762%1,881
Retained earnings to average equity (ytd only)3.3098%3,089
Net charge-offs to loans0.0843%5,558
Credit loss provision to net charge-offs368.1416%1,199
Earnings coverage of net charge-offs (x)33.5841%1,079
Efficiency ratio52.7915%7,404
Assets per employee ($millions)3.0959%5,774
Cash dividends to net income (ytd only)*70.1180%2,173
Condition Ratios (%)
Loss allowance to loans0.8267%7,000
Loan loss allowance to noncurrent loans80.8166%4,088
Noncurrent assets plus other real estate owned to assets0.7668%4,927
Noncurrent loans to loans1.0229%4,541
Net loans and leases to total assets74.3416%3,024
Net loans and leases to deposits89.1438%3,613
Net loans and leases to core deposits100.2721%4,803
Total domestic deposits to total assets83.3951%3,617
Equity capital to assets10.3967%3,613
Core capital (leverage) ratio10.5988%2,907
Tier 1 risk-based capital ratio11.3592%5,375
Total risk-based capital ratio12.0597%5,807
Memoranda:
Average total assets$183,804,8003,358
Average earning assets$166,499,8003,376
Average equity$20,666,0003,138
Average total loans$134,081,2003,193