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Commercial Bank and Trust of PA, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3089%4,061
Cost of funding earning assets0.5458%4,274
Net interest margin3.7631%1,752
Noninterest income to average assets0.7500%899
Noninterest expense to average assets3.6740%490
Loan and lease loss provision to assets0.0000%2,722
Net operating income to assets0.4857%3,594
Return on assets (ROA)0.4707%3,634
Pretax return on assets0.4513%3,782
Return on Equity (ROE)5.3000%3,482
Retained earnings to average equity (ytd only)1.4881%3,414
Net charge-offs to loans0.0000%2,326
Credit loss provision to net charge-offs0.0000%1,760
Earnings coverage of net charge-offs (x)0.0000%2,230
Efficiency ratio88.7360%540
Assets per employee ($millions)5.1338%3,572
Cash dividends to net income (ytd only)*71.9178%779
Condition Ratios (%)
Loss allowance to loans0.4837%4,269
Loan loss allowance to noncurrent loans745.6897%869
Noncurrent assets plus other real estate owned to assets0.0314%3,490
Noncurrent loans to loans0.0649%3,352
Net loans and leases to total assets48.1400%3,659
Net loans and leases to deposits58.4579%3,548
Net loans and leases to core deposits58.4579%3,744
Total domestic deposits to total assets82.3600%3,237
Equity capital to assets9.0830%2,874
Core capital (leverage) ratio14.1534%761
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.5747%349
Memoranda:
Average total assets$372,236,5002,162
Average earning assets$334,932,5002,209
Average equity$33,062,5002,308
Average total loans$180,135,5002,533
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2015%4,163
Cost of funding earning assets0.5871%4,277
Net interest margin3.6144%1,849
Noninterest income to average assets0.7100%1,144
Noninterest expense to average assets3.5911%523
Loan and lease loss provision to assets-0.0800%4,341
Net operating income to assets0.4774%3,535
Return on assets (ROA)0.4782%3,547
Pretax return on assets0.4655%3,710
Return on Equity (ROE)5.2700%3,446
Retained earnings to average equity (ytd only)-2.0191%4,163
Net charge-offs to loans0.0016%2,986
Credit loss provision to net charge-offs-9,766.6667%4,508
Earnings coverage of net charge-offs (x)498.6667%260
Efficiency ratio90.2356%496
Assets per employee ($millions)5.0654%3,592
Cash dividends to net income (ytd only)*138.2944%110
Condition Ratios (%)
Loss allowance to loans0.4767%4,291
Loan loss allowance to noncurrent loans745.6897%918
Noncurrent assets plus other real estate owned to assets0.0309%3,465
Noncurrent loans to loans0.0639%3,331
Net loans and leases to total assets48.1800%3,716
Net loans and leases to deposits59.8841%3,541
Net loans and leases to core deposits59.8841%3,753
Total domestic deposits to total assets80.4500%3,499
Equity capital to assets8.6840%3,052
Core capital (leverage) ratio14.0058%778
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.2820%363
Memoranda:
Average total assets$384,984,2002,086
Average earning assets$348,137,4002,119
Average equity$34,917,4002,172
Average total loans$188,196,0002,458
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1701%4,181
Cost of funding earning assets0.5779%4,312
Net interest margin3.5922%1,849
Noninterest income to average assets0.7000%1,135
Noninterest expense to average assets3.5682%528
Loan and lease loss provision to assets-0.0300%4,235
Net operating income to assets0.4249%3,635
Return on assets (ROA)0.4259%3,669
Pretax return on assets0.4101%3,794
Return on Equity (ROE)4.6500%3,603
Retained earnings to average equity (ytd only)-3.7323%4,293
Net charge-offs to loans0.0021%2,698
Credit loss provision to net charge-offs-2,466.6667%4,510
Earnings coverage of net charge-offs (x)371.6667%320
Efficiency ratio90.2925%523
Assets per employee ($millions)5.2003%3,517
Cash dividends to net income (ytd only)*180.2908%62
Condition Ratios (%)
Loss allowance to loans0.5848%4,246
Loan loss allowance to noncurrent loans1,118.5567%671
Noncurrent assets plus other real estate owned to assets0.0249%3,583
Noncurrent loans to loans0.0523%3,440
Net loans and leases to total assets47.2900%3,764
Net loans and leases to deposits59.3954%3,620
Net loans and leases to core deposits59.3954%3,805
Total domestic deposits to total assets79.6100%3,523
Equity capital to assets9.8052%2,425
Core capital (leverage) ratio13.8163%854
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.0215%381
Memoranda:
Average total assets$387,521,0002,073
Average earning assets$350,675,5002,107
Average equity$35,509,0002,149
Average total loans$189,882,0002,435
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1522%4,124
Cost of funding earning assets0.4875%4,366
Net interest margin3.6647%1,607
Noninterest income to average assets0.7100%1,002
Noninterest expense to average assets3.5303%543
Loan and lease loss provision to assets-0.0400%4,323
Net operating income to assets0.5451%3,293
Return on assets (ROA)0.5481%3,307
Pretax return on assets0.5512%3,479
Return on Equity (ROE)6.0800%3,192
Retained earnings to average equity (ytd only)-2.4390%3,969
Net charge-offs to loans0.0063%1,870
Credit loss provision to net charge-offs-1,300.0000%4,550
Earnings coverage of net charge-offs (x)164.0000%479
Efficiency ratio87.4233%715
Assets per employee ($millions)4.9314%3,696
Cash dividends to net income (ytd only)*140.1130%323
Condition Ratios (%)
Loss allowance to loans0.5859%4,251
Loan loss allowance to noncurrent loans0.0000%3,825
Noncurrent assets plus other real estate owned to assets0.0000%3,894
Noncurrent loans to loans0.0000%3,844
Net loans and leases to total assets49.4000%3,640
Net loans and leases to deposits58.0558%3,618
Net loans and leases to core deposits58.0558%3,838
Total domestic deposits to total assets85.1000%2,380
Equity capital to assets8.8272%2,794
Core capital (leverage) ratio13.7828%829
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.7958%393
Memoranda:
Average total assets$387,498,0002,076
Average earning assets$352,007,0002,102
Average equity$34,932,0002,140
Average total loans$191,981,5002,411
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1334%3,748
Cost of funding earning assets0.4023%4,292
Net interest margin3.7310%1,697
Noninterest income to average assets0.6600%1,324
Noninterest expense to average assets3.3217%726
Loan and lease loss provision to assets-0.0900%4,508
Net operating income to assets0.7685%2,981
Return on assets (ROA)0.7671%2,965
Pretax return on assets0.8109%3,188
Return on Equity (ROE)9.2700%2,691
Retained earnings to average equity (ytd only)0.2811%3,987
Net charge-offs to loans0.0005%2,887
Credit loss provision to net charge-offs-37,200.0000%4,611
Earnings coverage of net charge-offs (x)2,877.0000%47
Efficiency ratio82.1990%765
Assets per employee ($millions)4.9411%3,683
Cash dividends to net income (ytd only)*96.9687%306
Condition Ratios (%)
Loss allowance to loans0.6027%4,242
Loan loss allowance to noncurrent loans2,324.0000%477
Noncurrent assets plus other real estate owned to assets0.0128%3,676
Noncurrent loans to loans0.0259%3,557
Net loans and leases to total assets49.1000%3,650
Net loans and leases to deposits58.5593%3,604
Net loans and leases to core deposits58.5593%3,815
Total domestic deposits to total assets83.8400%2,664
Equity capital to assets9.1996%2,546
Core capital (leverage) ratio13.5025%908
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.8433%380
Memoranda:
Average total assets$399,949,2002,011
Average earning assets$362,901,4002,030
Average equity$33,083,0002,140
Average total loans$196,517,0002,306
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1176%3,627
Cost of funding earning assets0.3536%4,312
Net interest margin3.7639%1,662
Noninterest income to average assets0.6500%1,345
Noninterest expense to average assets3.2627%756
Loan and lease loss provision to assets-0.1200%4,555
Net operating income to assets0.8606%2,830
Return on assets (ROA)0.8606%2,810
Pretax return on assets0.9269%3,038
Return on Equity (ROE)10.6900%2,452
Retained earnings to average equity (ytd only)1.5031%3,841
Net charge-offs to loans0.0014%2,562
Credit loss provision to net charge-offs-18,600.0000%4,638
Earnings coverage of net charge-offs (x)1,212.5000%132
Efficiency ratio80.2380%844
Assets per employee ($millions)5.0096%3,598
Cash dividends to net income (ytd only)*85.9453%378
Condition Ratios (%)
Loss allowance to loans0.5994%4,266
Loan loss allowance to noncurrent loans1,305.6180%721
Noncurrent assets plus other real estate owned to assets0.0228%3,589
Noncurrent loans to loans0.0459%3,426
Net loans and leases to total assets49.3100%3,668
Net loans and leases to deposits57.0237%3,656
Net loans and leases to core deposits57.0237%3,814
Total domestic deposits to total assets86.4800%2,046
Equity capital to assets6.9369%3,646
Core capital (leverage) ratio13.4888%947
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.4570%406
Memoranda:
Average total assets$402,350,5002,008
Average earning assets$364,963,2502,022
Average equity$32,376,2502,153
Average total loans$197,443,2502,307
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0805%3,526
Cost of funding earning assets0.3073%4,302
Net interest margin3.7731%1,675
Noninterest income to average assets0.6500%1,264
Noninterest expense to average assets3.2490%743
Loan and lease loss provision to assets-0.0600%4,518
Net operating income to assets0.8335%2,978
Return on assets (ROA)0.8335%2,989
Pretax return on assets0.8911%3,190
Return on Equity (ROE)9.9200%2,722
Retained earnings to average equity (ytd only)1.2012%3,877
Net charge-offs to loans0.0020%2,304
Credit loss provision to net charge-offs-6,050.0000%4,661
Earnings coverage of net charge-offs (x)844.5000%176
Efficiency ratio79.6211%862
Assets per employee ($millions)5.1553%3,450
Cash dividends to net income (ytd only)*87.8913%447
Condition Ratios (%)
Loss allowance to loans0.7203%4,152
Loan loss allowance to noncurrent loans3,620.5128%348
Noncurrent assets plus other real estate owned to assets0.0097%3,753
Noncurrent loans to loans0.0199%3,617
Net loans and leases to total assets48.4000%3,663
Net loans and leases to deposits57.0227%3,587
Net loans and leases to core deposits57.0227%3,767
Total domestic deposits to total assets84.8800%2,577
Equity capital to assets8.5359%2,836
Core capital (leverage) ratio13.3147%934
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.3553%417
Memoranda:
Average total assets$406,217,6671,993
Average earning assets$369,613,6672,013
Average equity$34,133,0002,087
Average total loans$198,640,3332,299
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0614%3,344
Cost of funding earning assets0.2710%4,254
Net interest margin3.7904%1,707
Noninterest income to average assets0.6500%1,252
Noninterest expense to average assets3.2185%777
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.8298%3,092
Return on assets (ROA)0.8298%3,047
Pretax return on assets0.8896%3,272
Return on Equity (ROE)9.9500%2,798
Retained earnings to average equity (ytd only)1.2104%3,837
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio78.3449%971
Assets per employee ($millions)5.3742%3,344
Cash dividends to net income (ytd only)*87.8394%550
Condition Ratios (%)
Loss allowance to loans0.7734%4,132
Loan loss allowance to noncurrent loans1,311.9658%806
Noncurrent assets plus other real estate owned to assets0.0286%3,498
Noncurrent loans to loans0.0590%3,312
Net loans and leases to total assets48.2200%3,612
Net loans and leases to deposits56.1124%3,567
Net loans and leases to core deposits56.1124%3,734
Total domestic deposits to total assets85.9300%2,614
Equity capital to assets8.7805%2,673
Core capital (leverage) ratio13.1447%937
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.7371%450
Memoranda:
Average total assets$408,269,5002,012
Average earning assets$371,987,5002,029
Average equity$34,037,5002,122
Average total loans$199,945,0002,304
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8240%2,211
Cost of funding earning assets0.0991%4,395
Net interest margin3.7248%1,322
Noninterest income to average assets0.4500%2,387
Noninterest expense to average assets3.0388%912
Loan and lease loss provision to assets-0.1300%4,576
Net operating income to assets0.8952%2,981
Return on assets (ROA)0.8928%2,924
Pretax return on assets0.9503%3,219
Return on Equity (ROE)9.0100%3,130
Retained earnings to average equity (ytd only)2.0736%3,957
Net charge-offs to loans-0.0014%3,394
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio78.6829%808
Assets per employee ($millions)5.3698%3,350
Cash dividends to net income (ytd only)*76.9728%501
Condition Ratios (%)
Loss allowance to loans0.7621%4,112
Loan loss allowance to noncurrent loans1,705.5556%676
Noncurrent assets plus other real estate owned to assets0.0221%3,623
Noncurrent loans to loans0.0447%3,439
Net loans and leases to total assets48.9800%3,589
Net loans and leases to deposits54.3967%3,658
Net loans and leases to core deposits54.3967%3,793
Total domestic deposits to total assets90.0400%1,349
Equity capital to assets7.8931%3,126
Core capital (leverage) ratio13.0237%930
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.3392%455
Memoranda:
Average total assets$432,898,2001,914
Average earning assets$396,395,2001,929
Average equity$42,919,8001,827
Average total loans$208,512,4002,175
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7771%1,822
Cost of funding earning assets0.0798%4,418
Net interest margin3.6973%1,143
Noninterest income to average assets0.2800%3,503
Noninterest expense to average assets3.0082%895
Loan and lease loss provision to assets-0.1700%4,653
Net operating income to assets0.7844%3,316
Return on assets (ROA)0.7813%3,275
Pretax return on assets0.8308%3,508
Return on Equity (ROE)7.5200%3,458
Retained earnings to average equity (ytd only)1.0000%4,213
Net charge-offs to loans-0.0044%3,450
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio81.9234%656
Assets per employee ($millions)5.4948%3,226
Cash dividends to net income (ytd only)*86.7081%328
Condition Ratios (%)
Loss allowance to loans0.7630%4,157
Loan loss allowance to noncurrent loans1,710.0000%641
Noncurrent assets plus other real estate owned to assets0.5460%982
Noncurrent loans to loans0.0446%3,571
Net loans and leases to total assets48.5700%3,573
Net loans and leases to deposits54.1620%3,589
Net loans and leases to core deposits54.2067%3,731
Total domestic deposits to total assets89.6800%1,793
Equity capital to assets7.2202%3,394
Core capital (leverage) ratio12.6754%1,002
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.6508%519
Memoranda:
Average total assets$439,097,5001,896
Average earning assets$402,665,2501,915
Average equity$45,596,7501,760
Average total loans$210,284,5002,165
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6864%1,569
Cost of funding earning assets0.0590%4,538
Net interest margin3.6274%1,029
Noninterest income to average assets0.5588%1,907
Noninterest expense to average assets2.9851%861
Loan and lease loss provision to assets0.0062%2,488
Net operating income to assets0.8459%2,797
Return on assets (ROA)0.8418%2,783
Pretax return on assets0.9101%3,029
Return on Equity (ROE)7.4139%3,181
Retained earnings to average equity (ytd only)1.5645%3,869
Net charge-offs to loans-0.0075%3,475
Credit loss provision to net charge-offs-175.0000%3,189
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.4256%1,232
Assets per employee ($millions)5.5418%3,184
Cash dividends to net income (ytd only)*78.8971%623
Condition Ratios (%)
Loss allowance to loans1.0151%3,537
Loan loss allowance to noncurrent loans2,324.1758%490
Noncurrent assets plus other real estate owned to assets0.7595%690
Noncurrent loans to loans0.0437%3,617
Net loans and leases to total assets48.3334%3,524
Net loans and leases to deposits55.0206%3,464
Net loans and leases to core deposits55.1690%3,636
Total domestic deposits to total assets87.8460%2,633
Equity capital to assets8.7808%2,550
Core capital (leverage) ratio12.6260%933
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.5498%503
Memoranda:
Average total assets$448,094,0001,880
Average earning assets$413,464,0001,901
Average equity$50,877,3331,654
Average total loans$213,141,3332,152
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5806%1,561
Cost of funding earning assets0.0526%4,583
Net interest margin3.5280%1,034
Noninterest income to average assets0.6312%1,564
Noninterest expense to average assets3.0106%805
Loan and lease loss provision to assets0.0122%2,123
Net operating income to assets0.8168%2,607
Return on assets (ROA)0.8152%2,601
Pretax return on assets0.8806%2,851
Return on Equity (ROE)6.4951%3,193
Retained earnings to average equity (ytd only)1.3268%3,740
Net charge-offs to loans-0.0148%3,765
Credit loss provision to net charge-offs-175.0000%2,957
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.0931%1,398
Assets per employee ($millions)5.7905%3,015
Cash dividends to net income (ytd only)*79.5722%708
Condition Ratios (%)
Loss allowance to loans0.9864%3,780
Loan loss allowance to noncurrent loans2,298.9130%500
Noncurrent assets plus other real estate owned to assets0.7686%724
Noncurrent loans to loans0.0429%3,673
Net loans and leases to total assets47.6169%3,425
Net loans and leases to deposits54.4723%3,379
Net loans and leases to core deposits56.1173%3,439
Total domestic deposits to total assets87.4149%2,779
Equity capital to assets11.3005%1,193
Core capital (leverage) ratio11.8979%1,112
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.4499%604
Memoranda:
Average total assets$458,782,5001,860
Average earning assets$425,738,0001,867
Average equity$57,581,5001,535
Average total loans$215,531,0002,130
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4909%2,685
Cost of funding earning assets0.0549%4,665
Net interest margin3.4361%1,914
Noninterest income to average assets0.7507%1,594
Noninterest expense to average assets2.8823%1,190
Loan and lease loss provision to assets0.1234%991
Net operating income to assets0.8190%3,275
Return on assets (ROA)1.1064%2,334
Pretax return on assets1.2816%2,414
Return on Equity (ROE)7.4437%3,392
Retained earnings to average equity (ytd only)-1.3626%4,594
Net charge-offs to loans0.1933%505
Credit loss provision to net charge-offs122.7679%1,631
Earnings coverage of net charge-offs (x)10.6563%2,199
Efficiency ratio72.9135%1,417
Assets per employee ($millions)6.1259%2,637
Cash dividends to net income (ytd only)*118.3053%124
Condition Ratios (%)
Loss allowance to loans0.9661%3,889
Loan loss allowance to noncurrent loans2,226.5957%491
Noncurrent assets plus other real estate owned to assets0.7405%834
Noncurrent loans to loans0.0434%3,764
Net loans and leases to total assets45.4838%3,725
Net loans and leases to deposits53.2621%3,644
Net loans and leases to core deposits54.8166%3,701
Total domestic deposits to total assets85.3962%3,137
Equity capital to assets13.7762%710
Core capital (leverage) ratio12.7382%863
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio22.7046%514
Memoranda:
Average total assets$445,863,0001,851
Average earning assets$415,531,6001,851
Average equity$66,271,2001,408
Average total loans$231,821,6002,040
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5720%2,631
Cost of funding earning assets0.0563%4,751
Net interest margin3.5157%1,824
Noninterest income to average assets0.6442%2,032
Noninterest expense to average assets2.8602%1,203
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.9022%3,248
Return on assets (ROA)0.9112%3,283
Pretax return on assets1.0711%3,268
Return on Equity (ROE)6.0124%3,913
Retained earnings to average equity (ytd only)-4.1825%4,771
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9510%1,315
Assets per employee ($millions)5.9936%2,704
Cash dividends to net income (ytd only)*169.5638%41
Condition Ratios (%)
Loss allowance to loans0.8928%4,167
Loan loss allowance to noncurrent loans48.3018%3,971
Noncurrent assets plus other real estate owned to assets0.9314%725
Noncurrent loans to loans1.8483%511
Net loans and leases to total assets49.1687%3,508
Net loans and leases to deposits58.1607%3,394
Net loans and leases to core deposits59.9625%3,469
Total domestic deposits to total assets84.5394%3,285
Equity capital to assets14.5641%629
Core capital (leverage) ratio12.6928%927
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.5933%450
Memoranda:
Average total assets$439,404,2501,892
Average earning assets$409,503,0001,887
Average equity$66,593,5001,417
Average total loans$235,617,2502,056
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6282%2,537
Cost of funding earning assets0.0565%4,796
Net interest margin3.5716%1,659
Noninterest income to average assets0.6477%2,011
Noninterest expense to average assets2.8828%1,175
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.9329%3,121
Return on assets (ROA)0.9508%3,147
Pretax return on assets1.1183%3,152
Return on Equity (ROE)6.1910%3,860
Retained earnings to average equity (ytd only)-6.7972%4,825
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.4329%1,389
Assets per employee ($millions)5.6156%2,998
Cash dividends to net income (ytd only)*209.7926%41
Condition Ratios (%)
Loss allowance to loans0.8489%4,285
Loan loss allowance to noncurrent loans47.5406%3,986
Noncurrent assets plus other real estate owned to assets0.9322%826
Noncurrent loans to loans1.7857%586
Net loans and leases to total assets51.7626%3,369
Net loans and leases to deposits61.1659%3,287
Net loans and leases to core deposits63.0597%3,373
Total domestic deposits to total assets84.6267%3,251
Equity capital to assets14.4696%624
Core capital (leverage) ratio12.7809%851
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.8457%491
Memoranda:
Average total assets$436,031,6671,894
Average earning assets$406,818,3331,892
Average equity$66,968,3331,403
Average total loans$239,818,0002,033
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7310%2,287
Cost of funding earning assets0.0569%4,835
Net interest margin3.6740%1,393
Noninterest income to average assets0.6530%2,018
Noninterest expense to average assets2.9323%1,108
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.9791%2,872
Return on assets (ROA)0.9799%2,966
Pretax return on assets1.1476%2,996
Return on Equity (ROE)6.1927%3,809
Retained earnings to average equity (ytd only)1.8131%4,050
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.8886%1,509
Assets per employee ($millions)5.4896%3,126
Cash dividends to net income (ytd only)*70.7224%709
Condition Ratios (%)
Loss allowance to loans0.8165%4,370
Loan loss allowance to noncurrent loans47.5179%4,019
Noncurrent assets plus other real estate owned to assets0.9661%858
Noncurrent loans to loans1.7183%703
Net loans and leases to total assets55.7670%3,071
Net loans and leases to deposits66.5886%2,855
Net loans and leases to core deposits68.7491%2,992
Total domestic deposits to total assets83.7487%3,508
Equity capital to assets15.3850%453
Core capital (leverage) ratio13.8890%671
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.4356%487
Memoranda:
Average total assets$429,425,0001,903
Average earning assets$400,432,0001,900
Average equity$67,950,5001,380
Average total loans$242,461,0002,011
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0948%2,434
Cost of funding earning assets0.1403%4,759
Net interest margin3.9544%1,078
Noninterest income to average assets0.7996%1,532
Noninterest expense to average assets2.9456%1,555
Loan and lease loss provision to assets0.0945%3,163
Net operating income to assets1.2362%1,426
Return on assets (ROA)1.3509%1,217
Pretax return on assets1.5534%1,188
Return on Equity (ROE)8.7522%2,494
Retained earnings to average equity (ytd only)4.1978%2,711
Net charge-offs to loans-0.0884%4,786
Credit loss provision to net charge-offs-184.3318%3,794
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0205%2,527
Assets per employee ($millions)5.3146%3,035
Cash dividends to net income (ytd only)*52.0378%1,731
Condition Ratios (%)
Loss allowance to loans0.8259%4,365
Loan loss allowance to noncurrent loans47.5066%4,050
Noncurrent assets plus other real estate owned to assets0.9857%972
Noncurrent loans to loans1.7384%724
Net loans and leases to total assets56.2339%3,277
Net loans and leases to deposits68.0390%3,072
Net loans and leases to core deposits70.3232%3,232
Total domestic deposits to total assets82.6495%3,507
Equity capital to assets16.2709%403
Core capital (leverage) ratio14.1903%655
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.3312%487
Memoranda:
Average total assets$423,200,4001,789
Average earning assets$391,914,0001,792
Average equity$65,320,6001,368
Average total loans$245,529,6001,940
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1701%2,467
Cost of funding earning assets0.1655%4,762
Net interest margin4.0046%1,106
Noninterest income to average assets0.8494%1,351
Noninterest expense to average assets2.9391%1,592
Loan and lease loss provision to assets0.6624%349
Net operating income to assets0.8691%2,828
Return on assets (ROA)1.0150%2,409
Pretax return on assets1.1074%2,719
Return on Equity (ROE)6.6669%3,320
Retained earnings to average equity (ytd only)2.0448%3,918
Net charge-offs to loans-0.1595%4,898
Credit loss provision to net charge-offs-711.8644%3,849
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5917%2,647
Assets per employee ($millions)5.3018%2,892
Cash dividends to net income (ytd only)*69.3288%849
Condition Ratios (%)
Loss allowance to loans1.4837%1,434
Loan loss allowance to noncurrent loans1,416.9173%448
Noncurrent assets plus other real estate owned to assets0.0627%4,124
Noncurrent loans to loans0.1047%3,947
Net loans and leases to total assets59.0049%3,324
Net loans and leases to deposits72.0034%3,129
Net loans and leases to core deposits75.6863%3,197
Total domestic deposits to total assets81.9474%3,434
Equity capital to assets15.8956%480
Core capital (leverage) ratio13.6575%794
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.8614%596
Memoranda:
Average total assets$422,708,2501,765
Average earning assets$390,642,0001,775
Average equity$64,356,0001,370
Average total loans$246,642,0001,939
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1996%2,764
Cost of funding earning assets0.2110%4,736
Net interest margin3.9886%1,352
Noninterest income to average assets0.9658%1,044
Noninterest expense to average assets2.9562%1,697
Loan and lease loss provision to assets0.1895%2,130
Net operating income to assets1.3360%1,260
Return on assets (ROA)1.5489%922
Pretax return on assets1.7479%897
Return on Equity (ROE)10.3261%1,876
Retained earnings to average equity (ytd only)5.6272%2,223
Net charge-offs to loans-0.2416%4,959
Credit loss provision to net charge-offs-135.5932%3,428
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.5152%2,880
Assets per employee ($millions)4.8990%3,303
Cash dividends to net income (ytd only)*45.5046%1,712
Condition Ratios (%)
Loss allowance to loans0.8116%4,317
Loan loss allowance to noncurrent loans1,019.2118%554
Noncurrent assets plus other real estate owned to assets0.0471%4,294
Noncurrent loans to loans0.0796%4,138
Net loans and leases to total assets58.6537%3,453
Net loans and leases to deposits73.2962%3,140
Net loans and leases to core deposits77.3814%3,164
Total domestic deposits to total assets80.0228%3,829
Equity capital to assets15.3709%559
Core capital (leverage) ratio13.6615%835
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.5017%626
Memoranda:
Average total assets$422,230,0001,741
Average earning assets$390,462,6671,755
Average equity$63,334,6671,376
Average total loans$244,178,0001,941
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2100%3,181
Cost of funding earning assets0.2894%4,688
Net interest margin3.9206%1,602
Noninterest income to average assets1.3548%488
Noninterest expense to average assets3.0867%1,676
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.7368%469
Return on assets (ROA)1.7377%519
Pretax return on assets1.8880%581
Return on Equity (ROE)11.7345%1,184
Retained earnings to average equity (ytd only)6.9243%1,566
Net charge-offs to loans-0.4841%5,023
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.0597%3,491
Assets per employee ($millions)4.4283%3,367
Cash dividends to net income (ytd only)*40.9917%1,862
Condition Ratios (%)
Loss allowance to loans0.6953%4,615
Loan loss allowance to noncurrent loans819.2118%648
Noncurrent assets plus other real estate owned to assets0.0488%4,356
Noncurrent loans to loans0.0849%4,170
Net loans and leases to total assets57.0627%3,750
Net loans and leases to deposits72.7445%3,383
Net loans and leases to core deposits78.5704%3,309
Total domestic deposits to total assets78.4427%4,149
Equity capital to assets14.6701%842
Core capital (leverage) ratio13.7423%974
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.7846%666
Memoranda:
Average total assets$417,789,0001,715
Average earning assets$385,654,5001,722
Average equity$61,869,0001,389
Average total loans$238,801,0001,934
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3105%3,511
Cost of funding earning assets0.4065%4,425
Net interest margin3.9040%2,164
Noninterest income to average assets0.6681%1,932
Noninterest expense to average assets3.0356%1,922
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.0984%2,451
Return on assets (ROA)1.1127%2,484
Pretax return on assets1.2442%2,687
Return on Equity (ROE)7.5018%3,370
Retained earnings to average equity (ytd only)-4.0653%4,952
Net charge-offs to loans-0.0108%4,487
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.1960%1,990
Assets per employee ($millions)4.3679%3,416
Cash dividends to net income (ytd only)*154.1905%112
Condition Ratios (%)
Loss allowance to loans0.5763%4,781
Loan loss allowance to noncurrent loans610.6667%834
Noncurrent assets plus other real estate owned to assets0.0537%4,363
Noncurrent loans to loans0.0944%4,148
Net loans and leases to total assets56.5289%3,884
Net loans and leases to deposits71.3210%3,562
Net loans and leases to core deposits76.9251%3,518
Total domestic deposits to total assets79.2597%4,133
Equity capital to assets14.9463%810
Core capital (leverage) ratio13.2622%1,131
Tier 1 risk-based capital ratio20.7979%1,205
Total risk-based capital ratio21.3179%1,290
Memoranda:
Average total assets$423,569,6001,656
Average earning assets$390,114,2001,661
Average equity$62,824,8001,336
Average total loans$232,501,4001,941
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3108%3,624
Cost of funding earning assets0.4297%4,400
Net interest margin3.8812%2,324
Noninterest income to average assets0.6744%1,893
Noninterest expense to average assets3.0225%1,913
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.1025%2,556
Return on assets (ROA)1.1005%2,660
Pretax return on assets1.2205%2,916
Return on Equity (ROE)7.4340%3,532
Retained earnings to average equity (ytd only)-3.3660%5,007
Net charge-offs to loans-0.0144%4,487
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.1982%1,942
Assets per employee ($millions)4.4949%3,214
Cash dividends to net income (ytd only)*145.2780%125
Condition Ratios (%)
Loss allowance to loans0.5780%4,860
Loan loss allowance to noncurrent loans607.9646%848
Noncurrent assets plus other real estate owned to assets0.0524%4,450
Noncurrent loans to loans0.0951%4,223
Net loans and leases to total assets54.7713%4,113
Net loans and leases to deposits72.4564%3,593
Net loans and leases to core deposits77.6743%3,578
Total domestic deposits to total assets75.5921%4,686
Equity capital to assets15.1117%822
Core capital (leverage) ratio13.5062%1,126
Tier 1 risk-based capital ratio20.8904%1,206
Total risk-based capital ratio21.4037%1,309
Memoranda:
Average total assets$424,633,2501,658
Average earning assets$390,663,5001,673
Average equity$62,863,0001,325
Average total loans$231,024,7501,963
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3330%3,535
Cost of funding earning assets0.4553%4,305
Net interest margin3.8776%2,317
Noninterest income to average assets0.6530%1,906
Noninterest expense to average assets3.0790%1,797
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.0501%2,724
Return on assets (ROA)1.0470%2,807
Pretax return on assets1.1436%3,099
Return on Equity (ROE)7.1229%3,628
Retained earnings to average equity (ytd only)2.3292%4,010
Net charge-offs to loans-0.0219%4,567
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.8597%1,798
Assets per employee ($millions)4.3940%3,295
Cash dividends to net income (ytd only)*67.2999%1,186
Condition Ratios (%)
Loss allowance to loans0.5962%4,885
Loan loss allowance to noncurrent loans607.9646%863
Noncurrent assets plus other real estate owned to assets0.0530%4,498
Noncurrent loans to loans0.0981%4,238
Net loans and leases to total assets53.7502%4,229
Net loans and leases to deposits72.2590%3,667
Net loans and leases to core deposits77.8877%3,590
Total domestic deposits to total assets74.3854%4,807
Equity capital to assets15.2170%766
Core capital (leverage) ratio14.0132%956
Tier 1 risk-based capital ratio22.0503%1,046
Total risk-based capital ratio22.5705%1,120
Memoranda:
Average total assets$422,342,0001,672
Average earning assets$389,157,0001,682
Average equity$62,081,3301,331
Average total loans$228,794,3301,987
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3774%3,311
Cost of funding earning assets0.4538%4,270
Net interest margin3.9237%2,117
Noninterest income to average assets0.6689%1,732
Noninterest expense to average assets3.0932%1,748
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.1150%2,413
Return on assets (ROA)1.1123%2,471
Pretax return on assets1.1846%2,861
Return on Equity (ROE)7.7043%3,377
Retained earnings to average equity (ytd only)2.8010%3,820
Net charge-offs to loans0.0158%2,161
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)138.6667%538
Efficiency ratio72.2605%1,994
Assets per employee ($millions)4.4362%3,278
Cash dividends to net income (ytd only)*63.6441%1,261
Condition Ratios (%)
Loss allowance to loans0.5873%4,956
Loan loss allowance to noncurrent loans295.1542%1,588
Noncurrent assets plus other real estate owned to assets0.1077%4,266
Noncurrent loans to loans0.1990%3,881
Net loans and leases to total assets53.8216%4,219
Net loans and leases to deposits70.4615%3,737
Net loans and leases to core deposits75.8609%3,670
Total domestic deposits to total assets76.3844%4,719
Equity capital to assets14.7306%816
Core capital (leverage) ratio13.9326%975
Tier 1 risk-based capital ratio22.1634%1,035
Total risk-based capital ratio22.6760%1,097
Memoranda:
Average total assets$420,402,0001,683
Average earning assets$386,984,5001,701
Average equity$60,693,0001,361
Average total loans$227,957,0002,007
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2664%3,223
Cost of funding earning assets0.3198%4,468
Net interest margin3.9466%2,172
Noninterest income to average assets0.6807%1,928
Noninterest expense to average assets3.1409%1,698
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.0775%2,685
Return on assets (ROA)1.0750%2,686
Pretax return on assets1.1633%3,049
Return on Equity (ROE)7.4364%3,680
Retained earnings to average equity (ytd only)2.3588%4,199
Net charge-offs to loans-0.0457%4,947
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9262%1,779
Assets per employee ($millions)4.3684%3,351
Cash dividends to net income (ytd only)*68.2809%1,155
Condition Ratios (%)
Loss allowance to loans0.5923%4,982
Loan loss allowance to noncurrent loans342.3858%1,474
Noncurrent assets plus other real estate owned to assets0.1049%4,302
Noncurrent loans to loans0.1730%3,975
Net loans and leases to total assets53.9863%4,279
Net loans and leases to deposits69.4645%3,865
Net loans and leases to core deposits74.7171%3,802
Total domestic deposits to total assets77.7178%4,533
Equity capital to assets14.1417%926
Core capital (leverage) ratio13.7537%995
Tier 1 risk-based capital ratio21.7923%1,056
Total risk-based capital ratio22.3067%1,137
Memoranda:
Average total assets$405,300,2001,692
Average earning assets$372,399,4001,713
Average equity$58,589,8001,346
Average total loans$216,655,4002,054
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2429%3,168
Cost of funding earning assets0.2736%4,663
Net interest margin3.9694%2,055
Noninterest income to average assets0.6936%1,890
Noninterest expense to average assets3.1482%1,651
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.0702%2,780
Return on assets (ROA)1.0669%2,815
Pretax return on assets1.1867%3,042
Return on Equity (ROE)7.3386%3,805
Retained earnings to average equity (ytd only)2.2438%4,483
Net charge-offs to loans-0.0611%5,004
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5639%1,800
Assets per employee ($millions)4.3940%3,283
Cash dividends to net income (ytd only)*69.4247%875
Condition Ratios (%)
Loss allowance to loans0.5961%5,047
Loan loss allowance to noncurrent loans304.9774%1,634
Noncurrent assets plus other real estate owned to assets0.1048%4,446
Noncurrent loans to loans0.1955%4,008
Net loans and leases to total assets53.2891%4,403
Net loans and leases to deposits68.9192%3,993
Net loans and leases to core deposits74.1264%3,938
Total domestic deposits to total assets77.3211%4,586
Equity capital to assets13.5648%1,116
Core capital (leverage) ratio13.6001%1,063
Tier 1 risk-based capital ratio21.1248%1,168
Total risk-based capital ratio21.6296%1,242
Memoranda:
Average total assets$401,784,7501,712
Average earning assets$368,949,7501,731
Average equity$58,411,0001,353
Average total loans$213,882,5002,077
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1937%3,132
Cost of funding earning assets0.2189%4,927
Net interest margin3.9748%1,941
Noninterest income to average assets0.7163%1,810
Noninterest expense to average assets3.2057%1,524
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.0483%2,816
Return on assets (ROA)1.0483%2,810
Pretax return on assets1.1683%3,056
Return on Equity (ROE)7.0432%3,887
Retained earnings to average equity (ytd only)1.9827%4,466
Net charge-offs to loans-0.0372%4,815
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2901%1,804
Assets per employee ($millions)4.2274%3,536
Cash dividends to net income (ytd only)*71.8493%939
Condition Ratios (%)
Loss allowance to loans0.6058%5,100
Loan loss allowance to noncurrent loans287.7232%1,699
Noncurrent assets plus other real estate owned to assets0.1093%4,448
Noncurrent loans to loans0.2106%3,969
Net loans and leases to total assets51.5732%4,501
Net loans and leases to deposits66.8734%4,112
Net loans and leases to core deposits71.3670%4,055
Total domestic deposits to total assets77.1207%4,722
Equity capital to assets14.2344%873
Core capital (leverage) ratio14.2837%829
Tier 1 risk-based capital ratio21.7397%1,072
Total risk-based capital ratio22.2367%1,149
Memoranda:
Average total assets$395,106,3301,750
Average earning assets$363,590,3301,761
Average equity$58,808,3301,349
Average total loans$209,799,3302,105
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2039%2,870
Cost of funding earning assets0.1783%5,123
Net interest margin4.0256%1,638
Noninterest income to average assets0.7626%1,577
Noninterest expense to average assets3.2794%1,386
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.0649%2,586
Return on assets (ROA)1.0649%2,598
Pretax return on assets1.1877%2,811
Return on Equity (ROE)6.9933%3,786
Retained earnings to average equity (ytd only)1.9516%4,360
Net charge-offs to loans-0.0749%5,129
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.4119%1,980
Assets per employee ($millions)4.1515%3,723
Cash dividends to net income (ytd only)*72.0930%980
Condition Ratios (%)
Loss allowance to loans0.6228%5,144
Loan loss allowance to noncurrent loans257.8000%1,848
Noncurrent assets plus other real estate owned to assets0.1281%4,444
Noncurrent loans to loans0.2416%3,903
Net loans and leases to total assets52.7064%4,390
Net loans and leases to deposits65.1725%4,140
Net loans and leases to core deposits69.5615%4,106
Total domestic deposits to total assets80.8721%4,231
Equity capital to assets14.9322%691
Core capital (leverage) ratio14.6487%730
Tier 1 risk-based capital ratio22.4320%999
Total risk-based capital ratio22.9476%1,070
Memoranda:
Average total assets$387,631,5001,787
Average earning assets$356,718,0001,802
Average equity$59,028,0001,350
Average total loans$208,315,0002,133
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1677%2,811
Cost of funding earning assets0.1992%4,954
Net interest margin3.9685%1,851
Noninterest income to average assets0.6986%1,974
Noninterest expense to average assets3.1068%1,844
Loan and lease loss provision to assets0.1990%1,042
Net operating income to assets1.5124%779
Return on assets (ROA)1.7057%535
Pretax return on assets1.2432%2,580
Return on Equity (ROE)11.8951%1,236
Retained earnings to average equity (ytd only)5.4427%1,848
Net charge-offs to loans0.4126%604
Credit loss provision to net charge-offs92.1659%2,746
Earnings coverage of net charge-offs (x)5.7834%3,272
Efficiency ratio71.3274%2,330
Assets per employee ($millions)4.0107%3,941
Cash dividends to net income (ytd only)*54.2445%2,056
Condition Ratios (%)
Loss allowance to loans0.5962%5,254
Loan loss allowance to noncurrent loans305.6235%1,642
Noncurrent assets plus other real estate owned to assets0.1062%4,603
Noncurrent loans to loans0.1951%4,135
Net loans and leases to total assets54.1291%4,348
Net loans and leases to deposits65.4872%4,225
Net loans and leases to core deposits68.9338%4,238
Total domestic deposits to total assets82.6560%3,673
Equity capital to assets15.5275%580
Core capital (leverage) ratio14.0703%819
Tier 1 risk-based capital ratio22.7601%939
Total risk-based capital ratio23.2752%994
Memoranda:
Average total assets$401,954,6001,692
Average earning assets$370,421,2001,703
Average equity$57,637,2001,366
Average total loans$210,373,6002,072
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1370%2,849
Cost of funding earning assets0.2022%4,961
Net interest margin3.9348%1,916
Noninterest income to average assets0.6979%2,012
Noninterest expense to average assets3.0402%1,995
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets1.0895%2,136
Return on assets (ROA)1.0895%2,192
Pretax return on assets1.2854%2,568
Return on Equity (ROE)7.7499%3,264
Retained earnings to average equity (ytd only)2.5382%4,372
Net charge-offs to loans0.0184%3,127
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)135.0194%574
Efficiency ratio70.2838%2,492
Assets per employee ($millions)4.5595%3,033
Cash dividends to net income (ytd only)*67.2493%1,065
Condition Ratios (%)
Loss allowance to loans0.5989%5,325
Loan loss allowance to noncurrent loans712.1547%782
Noncurrent assets plus other real estate owned to assets0.0422%5,021
Noncurrent loans to loans0.0841%4,734
Net loans and leases to total assets49.9146%4,704
Net loans and leases to deposits67.4208%4,152
Net loans and leases to core deposits70.9803%4,185
Total domestic deposits to total assets74.0344%5,232
Equity capital to assets13.7670%1,059
Core capital (leverage) ratio13.0972%1,174
Tier 1 risk-based capital ratio20.9288%1,209
Total risk-based capital ratio21.4222%1,298
Memoranda:
Average total assets$406,186,7501,692
Average earning assets$374,494,0001,704
Average equity$57,100,2501,391
Average total loans$210,551,7502,080
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1150%2,776
Cost of funding earning assets0.1756%5,171
Net interest margin3.9394%1,808
Noninterest income to average assets0.7113%1,939
Noninterest expense to average assets3.0809%1,884
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.0724%2,117
Return on assets (ROA)1.0724%2,160
Pretax return on assets1.2645%2,521
Return on Equity (ROE)7.5727%3,257
Retained earnings to average equity (ytd only)2.3023%4,301
Net charge-offs to loans0.0287%2,638
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)84.0333%744
Efficiency ratio70.8992%2,527
Assets per employee ($millions)4.4272%3,224
Cash dividends to net income (ytd only)*69.5978%1,142
Condition Ratios (%)
Loss allowance to loans0.6049%5,370
Loan loss allowance to noncurrent loans700.0000%779
Noncurrent assets plus other real estate owned to assets0.0433%5,065
Noncurrent loans to loans0.0864%4,784
Net loans and leases to total assets49.7945%4,724
Net loans and leases to deposits67.3763%4,120
Net loans and leases to core deposits70.9716%4,167
Total domestic deposits to total assets73.9050%5,300
Equity capital to assets13.8112%1,032
Core capital (leverage) ratio13.1331%1,125
Tier 1 risk-based capital ratio20.6802%1,249
Total risk-based capital ratio21.1712%1,348
Memoranda:
Average total assets$398,719,0001,727
Average earning assets$367,825,3301,731
Average equity$56,465,6701,403
Average total loans$208,996,3302,094
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0450%2,879
Cost of funding earning assets0.1272%5,516
Net interest margin3.9178%1,717
Noninterest income to average assets0.7532%1,735
Noninterest expense to average assets3.1403%1,763
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.0405%2,114
Return on assets (ROA)1.0405%2,165
Pretax return on assets1.2231%2,499
Return on Equity (ROE)7.2486%3,297
Retained earnings to average equity (ytd only)1.8718%4,375
Net charge-offs to loans0.0580%1,752
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)39.3000%1,049
Efficiency ratio71.9686%2,584
Assets per employee ($millions)4.2605%3,568
Cash dividends to net income (ytd only)*74.1775%1,071
Condition Ratios (%)
Loss allowance to loans0.6064%5,468
Loan loss allowance to noncurrent loans1,651.2821%404
Noncurrent assets plus other real estate owned to assets0.0193%5,267
Noncurrent loans to loans0.0367%5,054
Net loans and leases to total assets52.1607%4,501
Net loans and leases to deposits68.6554%3,926
Net loans and leases to core deposits72.4018%3,954
Total domestic deposits to total assets75.9747%5,231
Equity capital to assets13.8292%958
Core capital (leverage) ratio14.3179%758
Tier 1 risk-based capital ratio21.1228%1,207
Total risk-based capital ratio21.6280%1,289
Memoranda:
Average total assets$385,574,0001,791
Average earning assets$355,304,5001,801
Average equity$55,349,0001,424
Average total loans$207,035,0002,121
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9536%3,369
Cost of funding earning assets0.1023%5,694
Net interest margin3.8513%2,131
Noninterest income to average assets0.7694%1,882
Noninterest expense to average assets3.3608%1,441
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.8050%3,283
Return on assets (ROA)1.0707%2,138
Pretax return on assets1.2702%2,398
Return on Equity (ROE)7.1288%3,401
Retained earnings to average equity (ytd only)1.8896%4,457
Net charge-offs to loans0.1517%1,743
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)12.4345%2,452
Efficiency ratio77.8936%1,708
Assets per employee ($millions)3.7774%4,349
Cash dividends to net income (ytd only)*73.4931%1,161
Condition Ratios (%)
Loss allowance to loans0.6536%5,441
Loan loss allowance to noncurrent loans1,156.1404%539
Noncurrent assets plus other real estate owned to assets0.0802%5,021
Noncurrent loans to loans0.0565%5,024
Net loans and leases to total assets54.6791%4,372
Net loans and leases to deposits64.7071%4,350
Net loans and leases to core deposits68.3229%4,371
Total domestic deposits to total assets84.5026%3,235
Equity capital to assets14.9344%653
Core capital (leverage) ratio14.9261%611
Tier 1 risk-based capital ratio22.6969%996
Total risk-based capital ratio23.2551%1,054
Memoranda:
Average total assets$378,065,4001,776
Average earning assets$348,012,8001,789
Average equity$56,783,6001,355
Average total loans$191,159,4002,197
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9522%3,408
Cost of funding earning assets0.1080%5,732
Net interest margin3.8442%2,181
Noninterest income to average assets0.7458%1,984
Noninterest expense to average assets3.3520%1,449
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.7963%3,383
Return on assets (ROA)1.1538%1,890
Pretax return on assets1.3481%2,247
Return on Equity (ROE)7.6718%3,205
Retained earnings to average equity (ytd only)2.4781%4,437
Net charge-offs to loans-0.0014%4,456
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.2388%1,654
Assets per employee ($millions)3.6517%4,569
Cash dividends to net income (ytd only)*67.6980%1,107
Condition Ratios (%)
Loss allowance to loans0.8165%5,145
Loan loss allowance to noncurrent loans252.3511%1,874
Noncurrent assets plus other real estate owned to assets0.1713%4,757
Noncurrent loans to loans0.3236%4,096
Net loans and leases to total assets52.5067%4,616
Net loans and leases to deposits63.2818%4,541
Net loans and leases to core deposits67.0170%4,546
Total domestic deposits to total assets82.9728%3,610
Equity capital to assets15.8419%577
Core capital (leverage) ratio14.8613%661
Tier 1 risk-based capital ratio23.1353%993
Total risk-based capital ratio23.8300%1,041
Memoranda:
Average total assets$380,981,0001,760
Average earning assets$350,683,2501,773
Average equity$57,299,5001,347
Average total loans$188,533,2502,225
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9845%3,295
Cost of funding earning assets0.1182%5,765
Net interest margin3.8662%2,100
Noninterest income to average assets0.7295%2,007
Noninterest expense to average assets3.4073%1,355
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.7541%3,528
Return on assets (ROA)1.2803%1,442
Pretax return on assets1.5023%1,669
Return on Equity (ROE)8.6620%2,663
Retained earnings to average equity (ytd only)3.4161%3,719
Net charge-offs to loans-0.0011%4,322
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.4146%1,574
Assets per employee ($millions)3.5230%4,715
Cash dividends to net income (ytd only)*60.5617%1,504
Condition Ratios (%)
Loss allowance to loans0.8411%5,157
Loan loss allowance to noncurrent loans253.3858%1,874
Noncurrent assets plus other real estate owned to assets0.1733%4,807
Noncurrent loans to loans0.3319%4,176
Net loans and leases to total assets51.7748%4,698
Net loans and leases to deposits62.4972%4,614
Net loans and leases to core deposits66.3266%4,582
Total domestic deposits to total assets82.8433%3,710
Equity capital to assets16.0058%545
Core capital (leverage) ratio14.6013%698
Tier 1 risk-based capital ratio23.6071%947
Total risk-based capital ratio24.3173%985
Memoranda:
Average total assets$383,818,3301,743
Average earning assets$353,522,0001,759
Average equity$56,730,6701,363
Average total loans$185,650,6702,255
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0784%2,934
Cost of funding earning assets0.1371%5,698
Net interest margin3.9414%1,811
Noninterest income to average assets0.7317%1,895
Noninterest expense to average assets3.3465%1,491
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.8621%2,936
Return on assets (ROA)1.2636%1,451
Pretax return on assets1.4969%1,597
Return on Equity (ROE)8.8930%2,475
Retained earnings to average equity (ytd only)3.5572%3,715
Net charge-offs to loans-0.0022%4,129
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6573%2,089
Assets per employee ($millions)3.7075%4,456
Cash dividends to net income (ytd only)*60.0000%1,439
Condition Ratios (%)
Loss allowance to loans0.8797%5,122
Loan loss allowance to noncurrent loans232.5145%1,996
Noncurrent assets plus other real estate owned to assets0.1797%4,851
Noncurrent loans to loans0.3784%4,082
Net loans and leases to total assets47.0163%5,047
Net loans and leases to deposits58.9275%4,784
Net loans and leases to core deposits62.5624%4,779
Total domestic deposits to total assets79.7867%4,794
Equity capital to assets14.6983%775
Core capital (leverage) ratio13.5715%959
Tier 1 risk-based capital ratio22.3492%1,110
Total risk-based capital ratio23.0275%1,175
Memoranda:
Average total assets$392,534,0001,720
Average earning assets$361,902,5001,721
Average equity$55,774,5001,383
Average total loans$182,823,5002,283
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0282%3,209
Cost of funding earning assets0.1206%5,876
Net interest margin3.9075%2,005
Noninterest income to average assets0.7614%1,927
Noninterest expense to average assets3.1611%2,059
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.8214%3,239
Return on assets (ROA)1.4602%963
Pretax return on assets2.1277%402
Return on Equity (ROE)10.2670%1,892
Retained earnings to average equity (ytd only)-0.2708%5,547
Net charge-offs to loans0.0073%4,189
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)360.0000%187
Efficiency ratio72.4528%2,837
Assets per employee ($millions)3.8785%4,160
Cash dividends to net income (ytd only)*102.6381%365
Condition Ratios (%)
Loss allowance to loans0.8771%5,175
Loan loss allowance to noncurrent loans230.6475%2,044
Noncurrent assets plus other real estate owned to assets0.1742%4,906
Noncurrent loans to loans0.3803%4,087
Net loans and leases to total assets45.3448%5,206
Net loans and leases to deposits56.6241%5,008
Net loans and leases to core deposits59.8623%4,987
Total domestic deposits to total assets80.0804%4,725
Equity capital to assets13.7375%1,024
Core capital (leverage) ratio13.4189%998
Tier 1 risk-based capital ratio21.9638%1,156
Total risk-based capital ratio22.6341%1,218
Memoranda:
Average total assets$389,392,0001,689
Average earning assets$358,895,2001,684
Average equity$55,381,4001,354
Average total loans$178,586,0002,255
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0160%3,283
Cost of funding earning assets0.1208%5,974
Net interest margin3.8952%2,048
Noninterest income to average assets0.7830%1,866
Noninterest expense to average assets3.1986%1,972
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.7688%3,589
Return on assets (ROA)1.5888%827
Pretax return on assets2.4159%275
Return on Equity (ROE)11.0734%1,683
Retained earnings to average equity (ytd only)-1.1578%5,774
Net charge-offs to loans-0.0007%4,658
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1594%2,692
Assets per employee ($millions)3.9349%4,003
Cash dividends to net income (ytd only)*110.4555%273
Condition Ratios (%)
Loss allowance to loans0.8788%5,276
Loan loss allowance to noncurrent loans243.8914%1,902
Noncurrent assets plus other real estate owned to assets0.1700%5,076
Noncurrent loans to loans0.3603%4,325
Net loans and leases to total assets46.3509%5,209
Net loans and leases to deposits57.1168%5,064
Net loans and leases to core deposits62.1699%4,929
Total domestic deposits to total assets81.1510%4,437
Equity capital to assets13.5704%1,198
Core capital (leverage) ratio13.5329%1,005
Tier 1 risk-based capital ratio21.7831%1,226
Total risk-based capital ratio22.4580%1,291
Memoranda:
Average total assets$386,867,5001,711
Average earning assets$356,463,5001,707
Average equity$55,506,7501,355
Average total loans$177,544,7502,276
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9771%3,383
Cost of funding earning assets0.1206%6,040
Net interest margin3.8565%2,120
Noninterest income to average assets0.8241%1,681
Noninterest expense to average assets3.2148%1,939
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.7990%3,396
Return on assets (ROA)2.0683%338
Pretax return on assets3.0333%132
Return on Equity (ROE)14.1541%874
Retained earnings to average equity (ytd only)-1.3201%5,742
Net charge-offs to loans0.0000%3,893
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3713%2,769
Assets per employee ($millions)3.9149%4,044
Cash dividends to net income (ytd only)*109.3263%411
Condition Ratios (%)
Loss allowance to loans0.9037%5,291
Loan loss allowance to noncurrent loans263.6215%1,797
Noncurrent assets plus other real estate owned to assets0.1613%5,229
Noncurrent loans to loans0.3428%4,458
Net loans and leases to total assets46.1862%5,231
Net loans and leases to deposits56.6384%5,084
Net loans and leases to core deposits61.9776%4,945
Total domestic deposits to total assets81.5457%4,434
Equity capital to assets13.5273%1,159
Core capital (leverage) ratio13.8577%884
Tier 1 risk-based capital ratio22.0079%1,208
Total risk-based capital ratio22.6879%1,272
Memoranda:
Average total assets$384,660,0001,730
Average earning assets$354,829,6701,723
Average equity$56,209,6701,350
Average total loans$175,392,0002,309
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9129%3,545
Cost of funding earning assets0.1247%6,092
Net interest margin3.7882%2,266
Noninterest income to average assets0.7924%1,744
Noninterest expense to average assets3.2381%1,880
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.9194%2,654
Return on assets (ROA)1.4986%901
Pretax return on assets1.7208%1,010
Return on Equity (ROE)9.8895%2,056
Retained earnings to average equity (ytd only)4.7905%3,179
Net charge-offs to loans-0.0023%4,363
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4233%2,598
Assets per employee ($millions)3.8432%4,264
Cash dividends to net income (ytd only)*51.5593%1,677
Condition Ratios (%)
Loss allowance to loans0.9180%5,382
Loan loss allowance to noncurrent loans207.3077%2,158
Noncurrent assets plus other real estate owned to assets0.2045%5,138
Noncurrent loans to loans0.4428%4,265
Net loans and leases to total assets45.4106%5,244
Net loans and leases to deposits53.9651%5,191
Net loans and leases to core deposits58.9077%5,071
Total domestic deposits to total assets84.1480%3,760
Equity capital to assets15.2644%666
Core capital (leverage) ratio14.4537%703
Tier 1 risk-based capital ratio22.6944%1,148
Total risk-based capital ratio23.3819%1,204
Memoranda:
Average total assets$385,159,0001,732
Average earning assets$355,950,5001,724
Average equity$58,365,0001,311
Average total loans$173,680,5002,333
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2448%2,800
Cost of funding earning assets0.1788%5,920
Net interest margin4.0660%1,693
Noninterest income to average assets0.7281%2,169
Noninterest expense to average assets3.0707%2,620
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets1.5749%746
Return on assets (ROA)1.5802%773
Pretax return on assets1.3920%1,911
Return on Equity (ROE)11.7088%1,491
Retained earnings to average equity (ytd only)6.0868%1,867
Net charge-offs to loans0.0018%4,939
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)1,812.3333%18
Efficiency ratio68.8905%3,736
Assets per employee ($millions)3.8218%4,307
Cash dividends to net income (ytd only)*48.0148%2,393
Condition Ratios (%)
Loss allowance to loans0.9438%5,314
Loan loss allowance to noncurrent loans673.3333%845
Noncurrent assets plus other real estate owned to assets0.0637%5,765
Noncurrent loans to loans0.1402%5,336
Net loans and leases to total assets43.9396%5,469
Net loans and leases to deposits54.1208%5,324
Net loans and leases to core deposits58.9825%5,202
Total domestic deposits to total assets81.1881%4,685
Equity capital to assets15.0430%699
Core capital (leverage) ratio13.8636%850
Tier 1 risk-based capital ratio23.1036%1,075
Total risk-based capital ratio23.8125%1,130
Memoranda:
Average total assets$392,090,4001,671
Average earning assets$359,615,2001,665
Average equity$52,917,4001,384
Average total loans$169,115,6002,329
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3230%2,529
Cost of funding earning assets0.1843%5,963
Net interest margin4.1387%1,466
Noninterest income to average assets0.7205%2,222
Noninterest expense to average assets3.0645%2,584
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.6188%717
Return on assets (ROA)1.6236%739
Pretax return on assets1.4494%1,813
Return on Equity (ROE)12.3775%1,380
Retained earnings to average equity (ytd only)6.6135%2,035
Net charge-offs to loans0.0024%4,635
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)1,421.6300%45
Efficiency ratio67.9612%3,862
Assets per employee ($millions)3.8448%4,205
Cash dividends to net income (ytd only)*46.5680%2,017
Condition Ratios (%)
Loss allowance to loans0.9443%5,451
Loan loss allowance to noncurrent loans673.3333%774
Noncurrent assets plus other real estate owned to assets0.0621%5,900
Noncurrent loans to loans0.1402%5,502
Net loans and leases to total assets42.8074%5,610
Net loans and leases to deposits52.9478%5,467
Net loans and leases to core deposits57.1669%5,384
Total domestic deposits to total assets80.8483%4,865
Equity capital to assets14.2193%935
Core capital (leverage) ratio13.3771%1,038
Tier 1 risk-based capital ratio23.0276%1,104
Total risk-based capital ratio23.7431%1,170
Memoranda:
Average total assets$393,613,0001,682
Average earning assets$360,327,2501,686
Average equity$51,630,2501,420
Average total loans$168,588,7502,349
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3606%2,330
Cost of funding earning assets0.1915%5,988
Net interest margin4.1691%1,319
Noninterest income to average assets0.7276%2,154
Noninterest expense to average assets3.0595%2,631
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.6542%636
Return on assets (ROA)1.6614%662
Pretax return on assets1.4888%1,570
Return on Equity (ROE)13.0338%1,164
Retained earnings to average equity (ytd only)7.0901%1,724
Net charge-offs to loans-0.0012%5,029
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3730%4,139
Assets per employee ($millions)3.8775%4,112
Cash dividends to net income (ytd only)*45.6022%2,126
Condition Ratios (%)
Loss allowance to loans0.9492%5,571
Loan loss allowance to noncurrent loans2,314.2857%252
Noncurrent assets plus other real estate owned to assets0.0192%6,175
Noncurrent loans to loans0.0410%5,929
Net loans and leases to total assets42.7418%5,627
Net loans and leases to deposits54.2125%5,341
Net loans and leases to core deposits59.4311%5,167
Total domestic deposits to total assets78.8413%5,489
Equity capital to assets13.6766%1,093
Core capital (leverage) ratio12.9881%1,158
Tier 1 risk-based capital ratio22.2646%1,223
Total risk-based capital ratio22.9687%1,284
Memoranda:
Average total assets$392,811,3301,687
Average earning assets$359,309,0001,685
Average equity$50,070,0001,444
Average total loans$167,738,0002,360
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3858%2,193
Cost of funding earning assets0.1971%6,026
Net interest margin4.1887%1,250
Noninterest income to average assets0.7469%1,962
Noninterest expense to average assets3.1094%2,498
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.6482%620
Return on assets (ROA)1.6410%655
Pretax return on assets1.4530%1,576
Return on Equity (ROE)13.3669%1,071
Retained earnings to average equity (ytd only)7.1745%1,947
Net charge-offs to loans-0.0024%4,720
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0456%4,175
Assets per employee ($millions)3.8456%4,242
Cash dividends to net income (ytd only)*46.3263%1,801
Condition Ratios (%)
Loss allowance to loans0.9607%5,661
Loan loss allowance to noncurrent loans2,131.5789%270
Noncurrent assets plus other real estate owned to assets0.0240%6,225
Noncurrent loans to loans0.0451%6,014
Net loans and leases to total assets42.1640%5,655
Net loans and leases to deposits52.2646%5,441
Net loans and leases to core deposits56.6767%5,305
Total domestic deposits to total assets80.6740%5,324
Equity capital to assets12.6751%1,470
Core capital (leverage) ratio12.5952%1,341
Tier 1 risk-based capital ratio21.7957%1,323
Total risk-based capital ratio22.5035%1,401
Memoranda:
Average total assets$391,463,5001,703
Average earning assets$357,243,5001,702
Average equity$48,059,0001,487
Average total loans$166,273,5002,381
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2922%2,989
Cost of funding earning assets0.2343%6,063
Net interest margin4.0578%1,778
Noninterest income to average assets0.7441%2,316
Noninterest expense to average assets3.1124%2,694
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.4367%947
Return on assets (ROA)1.4503%955
Pretax return on assets1.3448%1,986
Return on Equity (ROE)11.2411%1,691
Retained earnings to average equity (ytd only)4.9557%2,621
Net charge-offs to loans0.0182%5,081
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)166.5667%281
Efficiency ratio70.0420%3,834
Assets per employee ($millions)3.7195%4,438
Cash dividends to net income (ytd only)*55.9148%1,972
Condition Ratios (%)
Loss allowance to loans0.9877%5,630
Loan loss allowance to noncurrent loans1,759.7826%328
Noncurrent assets plus other real estate owned to assets0.0287%6,299
Noncurrent loans to loans0.0561%6,063
Net loans and leases to total assets41.9559%5,830
Net loans and leases to deposits51.2688%5,676
Net loans and leases to core deposits55.6406%5,561
Total domestic deposits to total assets81.8351%4,933
Equity capital to assets11.8688%1,890
Core capital (leverage) ratio12.9304%1,169
Tier 1 risk-based capital ratio22.1307%1,234
Total risk-based capital ratio22.8598%1,294
Memoranda:
Average total assets$375,371,8001,744
Average earning assets$342,227,6001,744
Average equity$48,429,4001,459
Average total loans$164,506,6002,362
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2861%3,055
Cost of funding earning assets0.2444%6,125
Net interest margin4.0417%1,816
Noninterest income to average assets0.7502%2,368
Noninterest expense to average assets3.1247%2,580
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.3651%1,187
Return on assets (ROA)1.3837%1,186
Pretax return on assets1.3315%2,208
Return on Equity (ROE)10.5069%1,995
Retained earnings to average equity (ytd only)4.2560%3,654
Net charge-offs to loans0.0421%4,309
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)70.5400%662
Efficiency ratio70.4146%3,688
Assets per employee ($millions)3.5878%4,674
Cash dividends to net income (ytd only)*59.4930%1,478
Condition Ratios (%)
Loss allowance to loans0.9805%5,806
Loan loss allowance to noncurrent loans471.0914%934
Noncurrent assets plus other real estate owned to assets0.0959%6,150
Noncurrent loans to loans0.2081%5,723
Net loans and leases to total assets43.2244%5,798
Net loans and leases to deposits51.9132%5,714
Net loans and leases to core deposits56.4301%5,586
Total domestic deposits to total assets83.2628%4,479
Equity capital to assets12.0764%1,872
Core capital (leverage) ratio13.0538%1,182
Tier 1 risk-based capital ratio22.0961%1,303
Total risk-based capital ratio22.8219%1,363
Memoranda:
Average total assets$372,507,7501,765
Average earning assets$339,849,0001,764
Average equity$49,058,7501,452
Average total loans$164,654,2502,372
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2480%3,161
Cost of funding earning assets0.2591%6,112
Net interest margin3.9889%1,902
Noninterest income to average assets0.7440%2,443
Noninterest expense to average assets3.0835%2,713
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.3151%1,285
Return on assets (ROA)1.3457%1,302
Pretax return on assets1.3382%2,164
Return on Equity (ROE)9.9422%2,221
Retained earnings to average equity (ytd only)3.7665%3,904
Net charge-offs to loans0.0109%4,656
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)270.4444%187
Efficiency ratio70.2227%3,786
Assets per employee ($millions)3.5169%4,816
Cash dividends to net income (ytd only)*62.1158%1,437
Condition Ratios (%)
Loss allowance to loans1.0223%5,726
Loan loss allowance to noncurrent loans9,647.0588%81
Noncurrent assets plus other real estate owned to assets0.1487%6,048
Noncurrent loans to loans0.0106%6,402
Net loans and leases to total assets43.4129%5,793
Net loans and leases to deposits49.8965%5,846
Net loans and leases to core deposits54.1257%5,744
Total domestic deposits to total assets87.0059%2,820
Equity capital to assets12.6868%1,476
Core capital (leverage) ratio13.0167%1,154
Tier 1 risk-based capital ratio22.2386%1,245
Total risk-based capital ratio22.9985%1,316
Memoranda:
Average total assets$372,299,0001,762
Average earning assets$340,394,3301,763
Average equity$50,391,3301,419
Average total loans$165,245,0002,362
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1210%3,643
Cost of funding earning assets0.2628%6,205
Net interest margin3.8582%2,251
Noninterest income to average assets0.7509%2,335
Noninterest expense to average assets3.1004%2,670
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.1950%1,535
Return on assets (ROA)1.1950%1,644
Pretax return on assets1.1843%2,634
Return on Equity (ROE)8.5673%2,675
Retained earnings to average equity (ytd only)2.6267%4,710
Net charge-offs to loans0.0119%3,903
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)222.4000%181
Efficiency ratio72.3589%3,554
Assets per employee ($millions)3.7068%4,542
Cash dividends to net income (ytd only)*69.3405%1,109
Condition Ratios (%)
Loss allowance to loans0.9878%6,025
Loan loss allowance to noncurrent loans9,670.5882%76
Noncurrent assets plus other real estate owned to assets0.1441%6,141
Noncurrent loans to loans0.0102%6,477
Net loans and leases to total assets43.5820%5,709
Net loans and leases to deposits51.0893%5,701
Net loans and leases to core deposits55.5398%5,552
Total domestic deposits to total assets85.3054%3,898
Equity capital to assets13.8099%1,088
Core capital (leverage) ratio12.8794%1,162
Tier 1 risk-based capital ratio22.6103%1,220
Total risk-based capital ratio23.3946%1,277
Memoranda:
Average total assets$375,569,5001,761
Average earning assets$343,997,5001,761
Average equity$52,385,5001,388
Average total loans$167,654,5002,343
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4711%3,520
Cost of funding earning assets0.3431%6,254
Net interest margin4.1280%1,892
Noninterest income to average assets0.7328%2,574
Noninterest expense to average assets2.9497%3,469
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets1.2572%1,430
Return on assets (ROA)1.9662%410
Pretax return on assets2.4272%281
Return on Equity (ROE)13.7937%1,036
Retained earnings to average equity (ytd only)2.4918%4,476
Net charge-offs to loans0.0140%5,719
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)245.0417%166
Efficiency ratio65.2383%4,661
Assets per employee ($millions)3.6573%4,657
Cash dividends to net income (ytd only)*81.9353%944
Condition Ratios (%)
Loss allowance to loans0.9764%6,041
Loan loss allowance to noncurrent loans9,700.0000%76
Noncurrent assets plus other real estate owned to assets0.1461%6,200
Noncurrent loans to loans0.0101%6,538
Net loans and leases to total assets44.8297%5,745
Net loans and leases to deposits52.8408%5,751
Net loans and leases to core deposits57.5388%5,590
Total domestic deposits to total assets84.8392%3,929
Equity capital to assets14.0886%1,011
Core capital (leverage) ratio13.0838%1,088
Tier 1 risk-based capital ratio23.1190%1,098
Total risk-based capital ratio23.9293%1,137
Memoranda:
Average total assets$378,951,8001,719
Average earning assets$345,980,2001,720
Average equity$54,017,4001,318
Average total loans$171,583,8002,293
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6014%3,191
Cost of funding earning assets0.3609%6,327
Net interest margin4.2405%1,620
Noninterest income to average assets0.7318%2,556
Noninterest expense to average assets3.0523%3,051
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.2353%1,617
Return on assets (ROA)2.1537%343
Pretax return on assets2.7134%210
Return on Equity (ROE)15.0657%889
Retained earnings to average equity (ytd only)9.3435%1,112
Net charge-offs to loans0.0163%5,460
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)210.7089%216
Efficiency ratio65.9357%4,460
Assets per employee ($millions)3.6504%4,657
Cash dividends to net income (ytd only)*37.9821%2,292
Condition Ratios (%)
Loss allowance to loans0.9699%6,190
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1742%6,266
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets44.8629%5,885
Net loans and leases to deposits53.3664%5,860
Net loans and leases to core deposits57.5193%5,763
Total domestic deposits to total assets84.0658%4,182
Equity capital to assets14.8174%866
Core capital (leverage) ratio13.7588%920
Tier 1 risk-based capital ratio25.1024%898
Total risk-based capital ratio25.9399%930
Memoranda:
Average total assets$380,428,0001,729
Average earning assets$347,307,7501,736
Average equity$54,382,5001,322
Average total loans$172,258,5002,319
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7762%2,599
Cost of funding earning assets0.3801%6,377
Net interest margin4.3961%1,210
Noninterest income to average assets0.7400%2,470
Noninterest expense to average assets2.9866%3,307
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.3552%1,299
Return on assets (ROA)2.6436%154
Pretax return on assets3.4427%108
Return on Equity (ROE)18.7173%437
Retained earnings to average equity (ytd only)12.9479%443
Net charge-offs to loans0.0382%4,840
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)102.3939%417
Efficiency ratio62.2550%5,206
Assets per employee ($millions)3.5742%4,807
Cash dividends to net income (ytd only)*30.8241%2,582
Condition Ratios (%)
Loss allowance to loans0.9845%6,217
Loan loss allowance to noncurrent loans6,074.0741%106
Noncurrent assets plus other real estate owned to assets0.1843%6,330
Noncurrent loans to loans0.0162%6,650
Net loans and leases to total assets44.3740%5,982
Net loans and leases to deposits52.7625%5,973
Net loans and leases to core deposits56.9968%5,860
Total domestic deposits to total assets84.1014%4,276
Equity capital to assets14.7999%832
Core capital (leverage) ratio13.5911%944
Tier 1 risk-based capital ratio24.9797%903
Total risk-based capital ratio25.8124%936
Memoranda:
Average total assets$381,907,3301,730
Average earning assets$348,897,0001,730
Average equity$53,939,3301,324
Average total loans$172,900,6702,320
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1508%1,427
Cost of funding earning assets0.4044%6,386
Net interest margin4.7464%630
Noninterest income to average assets0.7597%2,350
Noninterest expense to average assets3.0563%3,063
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.5020%1,013
Return on assets (ROA)3.9059%73
Pretax return on assets5.3395%57
Return on Equity (ROE)28.3061%124
Retained earnings to average equity (ytd only)22.4786%125
Net charge-offs to loans-0.0136%6,049
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.4085%5,707
Assets per employee ($millions)3.6566%4,745
Cash dividends to net income (ytd only)*20.5875%2,322
Condition Ratios (%)
Loss allowance to loans0.9720%6,346
Loan loss allowance to noncurrent loans6,218.5185%89
Noncurrent assets plus other real estate owned to assets0.1783%6,437
Noncurrent loans to loans0.0156%6,742
Net loans and leases to total assets45.8610%5,797
Net loans and leases to deposits54.5459%5,752
Net loans and leases to core deposits59.3649%5,589
Total domestic deposits to total assets84.0778%4,449
Equity capital to assets14.5805%843
Core capital (leverage) ratio12.6264%1,275
Tier 1 risk-based capital ratio24.9874%909
Total risk-based capital ratio25.8492%927
Memoranda:
Average total assets$387,002,0001,713
Average earning assets$354,119,5001,710
Average equity$53,402,0001,329
Average total loans$176,058,0002,291
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3363%1,604
Cost of funding earning assets0.5882%6,147
Net interest margin4.7481%688
Noninterest income to average assets0.7556%2,307
Noninterest expense to average assets2.9522%3,760
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets1.7922%462
Return on assets (ROA)1.7942%502
Pretax return on assets2.1372%418
Return on Equity (ROE)13.8862%959
Retained earnings to average equity (ytd only)8.0115%1,073
Net charge-offs to loans0.0069%6,338
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)621.5385%46
Efficiency ratio57.5257%6,111
Assets per employee ($millions)3.8935%4,093
Cash dividends to net income (ytd only)*42.3060%2,457
Condition Ratios (%)
Loss allowance to loans0.9326%6,453
Loan loss allowance to noncurrent loans1,624.2718%281
Noncurrent assets plus other real estate owned to assets0.1868%6,484
Noncurrent loans to loans0.0574%6,673
Net loans and leases to total assets44.3145%6,178
Net loans and leases to deposits58.4873%5,653
Net loans and leases to core deposits63.8342%5,482
Total domestic deposits to total assets75.7677%6,514
Equity capital to assets13.0719%1,452
Core capital (leverage) ratio11.7586%1,731
Tier 1 risk-based capital ratio20.8636%1,444
Total risk-based capital ratio21.6281%1,526
Memoranda:
Average total assets$378,493,8001,713
Average earning assets$345,274,0001,722
Average equity$48,904,6001,393
Average total loans$187,916,4002,152
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3341%1,738
Cost of funding earning assets0.6242%6,159
Net interest margin4.7099%748
Noninterest income to average assets0.7788%2,148
Noninterest expense to average assets3.0477%3,362
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.7086%613
Return on assets (ROA)1.7086%670
Pretax return on assets2.0214%603
Return on Equity (ROE)13.2649%1,216
Retained earnings to average equity (ytd only)7.4487%1,739
Net charge-offs to loans0.0091%6,035
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)434.9186%83
Efficiency ratio59.6078%5,784
Assets per employee ($millions)3.8636%4,160
Cash dividends to net income (ytd only)*43.8467%1,860
Condition Ratios (%)
Loss allowance to loans0.8928%6,620
Loan loss allowance to noncurrent loans857.9487%412
Noncurrent assets plus other real estate owned to assets0.2101%6,539
Noncurrent loans to loans0.1041%6,667
Net loans and leases to total assets46.6682%6,087
Net loans and leases to deposits62.8262%5,314
Net loans and leases to core deposits67.9735%5,184
Total domestic deposits to total assets74.2814%6,727
Equity capital to assets12.8955%1,668
Core capital (leverage) ratio11.5828%1,968
Tier 1 risk-based capital ratio20.0542%1,672
Total risk-based capital ratio20.8099%1,767
Memoranda:
Average total assets$372,860,5001,746
Average earning assets$339,643,5001,756
Average equity$48,025,2501,427
Average total loans$190,049,0002,153
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3271%1,792
Cost of funding earning assets0.6677%6,134
Net interest margin4.6594%802
Noninterest income to average assets0.7781%2,119
Noninterest expense to average assets3.1485%3,086
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.5879%750
Return on assets (ROA)1.5879%792
Pretax return on assets1.8683%757
Return on Equity (ROE)12.3339%1,399
Retained earnings to average equity (ytd only)6.7210%2,006
Net charge-offs to loans0.0031%5,841
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)1,135.0000%17
Efficiency ratio62.2225%5,557
Assets per employee ($millions)3.6742%4,515
Cash dividends to net income (ytd only)*45.5079%1,849
Condition Ratios (%)
Loss allowance to loans0.8818%6,707
Loan loss allowance to noncurrent loans178.4730%1,690
Noncurrent assets plus other real estate owned to assets0.4260%6,078
Noncurrent loans to loans0.4941%5,917
Net loans and leases to total assets49.5073%5,884
Net loans and leases to deposits65.1279%5,122
Net loans and leases to core deposits70.7768%4,981
Total domestic deposits to total assets76.0156%6,597
Equity capital to assets12.5423%1,760
Core capital (leverage) ratio11.8990%1,671
Tier 1 risk-based capital ratio19.8610%1,637
Total risk-based capital ratio20.6336%1,715
Memoranda:
Average total assets$364,496,0001,795
Average earning assets$331,586,6701,800
Average equity$46,927,6701,441
Average total loans$190,935,0002,168
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4047%1,540
Cost of funding earning assets0.6954%6,162
Net interest margin4.7093%689
Noninterest income to average assets0.8108%1,987
Noninterest expense to average assets3.2793%2,622
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.5294%820
Return on assets (ROA)1.5294%864
Pretax return on assets1.8117%793
Return on Equity (ROE)11.7169%1,540
Retained earnings to average equity (ytd only)6.0480%2,610
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.8834%5,380
Assets per employee ($millions)3.5408%4,901
Cash dividends to net income (ytd only)*48.3824%1,526
Condition Ratios (%)
Loss allowance to loans0.8872%6,731
Loan loss allowance to noncurrent loans1,080.7692%363
Noncurrent assets plus other real estate owned to assets0.2363%6,584
Noncurrent loans to loans0.0821%6,836
Net loans and leases to total assets52.6683%5,500
Net loans and leases to deposits64.9437%5,138
Net loans and leases to core deposits70.8299%4,948
Total domestic deposits to total assets81.0984%5,632
Equity capital to assets13.1204%1,329
Core capital (leverage) ratio12.0659%1,524
Tier 1 risk-based capital ratio20.2860%1,522
Total risk-based capital ratio21.0933%1,590
Memoranda:
Average total assets$355,686,5001,852
Average earning assets$323,274,0001,858
Average equity$46,428,5001,448
Average total loans$190,973,5002,192
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4566%2,451
Cost of funding earning assets0.8219%6,474
Net interest margin4.6346%937
Noninterest income to average assets0.8222%2,180
Noninterest expense to average assets3.1380%3,314
Loan and lease loss provision to assets0.0000%7,042
Net operating income to assets1.5271%718
Return on assets (ROA)1.5260%782
Pretax return on assets1.8954%617
Return on Equity (ROE)12.4059%1,236
Retained earnings to average equity (ytd only)6.5759%1,520
Net charge-offs to loans0.0186%6,626
Credit loss provision to net charge-offs0.0000%6,628
Earnings coverage of net charge-offs (x)188.2973%138
Efficiency ratio61.7964%5,762
Assets per employee ($millions)3.4344%5,098
Cash dividends to net income (ytd only)*46.9938%2,233
Condition Ratios (%)
Loss allowance to loans0.8786%6,775
Loan loss allowance to noncurrent loans1,131.5436%339
Noncurrent assets plus other real estate owned to assets0.2445%6,625
Noncurrent loans to loans0.0776%6,937
Net loans and leases to total assets53.7727%5,659
Net loans and leases to deposits68.7889%4,987
Net loans and leases to core deposits74.0712%4,975
Total domestic deposits to total assets78.1706%6,277
Equity capital to assets12.9852%1,393
Core capital (leverage) ratio11.8973%1,620
Tier 1 risk-based capital ratio19.9348%1,499
Total risk-based capital ratio20.7420%1,571
Memoranda:
Average total assets$367,307,8001,788
Average earning assets$333,855,4001,788
Average equity$45,180,2001,482
Average total loans$198,431,2002,168
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4706%2,556
Cost of funding earning assets0.8463%6,599
Net interest margin4.6242%998
Noninterest income to average assets0.8096%2,189
Noninterest expense to average assets3.1248%3,216
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets1.5121%903
Return on assets (ROA)1.5106%984
Pretax return on assets1.8865%789
Return on Equity (ROE)12.4465%1,397
Retained earnings to average equity (ytd only)6.5937%2,048
Net charge-offs to loans0.0247%6,329
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)141.8980%224
Efficiency ratio61.8094%5,652
Assets per employee ($millions)3.4452%5,104
Cash dividends to net income (ytd only)*47.0239%1,757
Condition Ratios (%)
Loss allowance to loans0.8556%6,879
Loan loss allowance to noncurrent loans1,195.7447%311
Noncurrent assets plus other real estate owned to assets0.2347%6,780
Noncurrent loans to loans0.0715%7,065
Net loans and leases to total assets53.5004%5,921
Net loans and leases to deposits70.8390%5,029
Net loans and leases to core deposits76.3763%5,011
Total domestic deposits to total assets75.5238%6,738
Equity capital to assets12.7998%1,680
Core capital (leverage) ratio11.3908%2,016
Tier 1 risk-based capital ratio19.3587%1,673
Total risk-based capital ratio20.1574%1,734
Memoranda:
Average total assets$370,697,7501,790
Average earning assets$336,970,5001,798
Average equity$44,991,5001,491
Average total loans$200,062,5002,185
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4826%2,605
Cost of funding earning assets0.8712%6,686
Net interest margin4.6114%969
Noninterest income to average assets0.7876%2,184
Noninterest expense to average assets3.1052%3,290
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.4903%927
Return on assets (ROA)1.4882%990
Pretax return on assets1.8796%768
Return on Equity (ROE)12.4844%1,354
Retained earnings to average equity (ytd only)6.5530%2,052
Net charge-offs to loans0.0288%5,932
Credit loss provision to net charge-offs0.0000%6,004
Earnings coverage of net charge-offs (x)120.8966%278
Efficiency ratio61.7330%5,733
Assets per employee ($millions)3.5423%4,812
Cash dividends to net income (ytd only)*47.5108%1,790
Condition Ratios (%)
Loss allowance to loans0.8556%6,888
Loan loss allowance to noncurrent loans1,184.6154%295
Noncurrent assets plus other real estate owned to assets0.2334%6,812
Noncurrent loans to loans0.0722%7,132
Net loans and leases to total assets53.2861%6,081
Net loans and leases to deposits71.5362%5,066
Net loans and leases to core deposits78.2197%4,914
Total domestic deposits to total assets74.4883%6,912
Equity capital to assets12.3218%1,916
Core capital (leverage) ratio11.0235%2,227
Tier 1 risk-based capital ratio18.9706%1,727
Total risk-based capital ratio19.7726%1,795
Memoranda:
Average total assets$372,533,0001,802
Average earning assets$339,293,0001,806
Average equity$44,407,3301,501
Average total loans$201,061,6702,205
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4975%2,583
Cost of funding earning assets0.8788%6,846
Net interest margin4.6188%916
Noninterest income to average assets0.7880%2,082
Noninterest expense to average assets3.1393%3,108
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.4501%984
Return on assets (ROA)1.4501%1,057
Pretax return on assets1.8580%795
Return on Equity (ROE)12.3695%1,398
Retained earnings to average equity (ytd only)6.3760%2,428
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.3077%5,774
Assets per employee ($millions)3.6234%4,761
Cash dividends to net income (ytd only)*48.4536%1,512
Condition Ratios (%)
Loss allowance to loans0.8611%6,955
Loan loss allowance to noncurrent loans691.9679%463
Noncurrent assets plus other real estate owned to assets0.2377%6,865
Noncurrent loans to loans0.1244%7,099
Net loans and leases to total assets53.1526%6,136
Net loans and leases to deposits71.4880%5,129
Net loans and leases to core deposits78.2730%4,992
Total domestic deposits to total assets74.3518%6,998
Equity capital to assets11.8973%2,108
Core capital (leverage) ratio10.7416%2,424
Tier 1 risk-based capital ratio18.5526%1,823
Total risk-based capital ratio19.3661%1,891
Memoranda:
Average total assets$374,601,5001,831
Average earning assets$341,390,5001,833
Average equity$43,914,5001,529
Average total loans$202,593,5002,246
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8039%2,638
Cost of funding earning assets1.2456%6,483
Net interest margin4.5583%1,062
Noninterest income to average assets0.8294%2,274
Noninterest expense to average assets3.0251%4,051
Loan and lease loss provision to assets0.0000%7,427
Net operating income to assets1.4141%823
Return on assets (ROA)1.4141%878
Pretax return on assets1.9437%457
Return on Equity (ROE)12.6754%1,029
Retained earnings to average equity (ytd only)5.5441%1,556
Net charge-offs to loans0.0470%6,634
Credit loss provision to net charge-offs0.0000%7,003
Earnings coverage of net charge-offs (x)73.3673%374
Efficiency ratio60.3482%6,427
Assets per employee ($millions)3.5139%4,975
Cash dividends to net income (ytd only)*56.2608%2,182
Condition Ratios (%)
Loss allowance to loans0.8401%7,012
Loan loss allowance to noncurrent loans660.1533%523
Noncurrent assets plus other real estate owned to assets0.2394%6,866
Noncurrent loans to loans0.1273%7,110
Net loans and leases to total assets54.0888%6,188
Net loans and leases to deposits75.3861%4,832
Net loans and leases to core deposits87.2664%5,407
Total domestic deposits to total assets71.7491%7,268
Equity capital to assets11.5500%2,281
Core capital (leverage) ratio10.5267%2,577
Tier 1 risk-based capital ratio18.3491%1,793
Total risk-based capital ratio19.1688%1,876
Memoranda:
Average total assets$369,909,4001,839
Average earning assets$335,911,6001,851
Average equity$41,269,0001,619
Average total loans$208,668,6002,216
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8671%2,596
Cost of funding earning assets1.3525%6,390
Net interest margin4.5146%1,159
Noninterest income to average assets0.8263%2,306
Noninterest expense to average assets3.0630%3,792
Loan and lease loss provision to assets0.0000%7,284
Net operating income to assets1.3301%1,156
Return on assets (ROA)1.3301%1,220
Pretax return on assets1.8599%716
Return on Equity (ROE)12.0303%1,342
Retained earnings to average equity (ytd only)4.5535%2,732
Net charge-offs to loans0.0146%6,714
Credit loss provision to net charge-offs0.0000%6,657
Earnings coverage of net charge-offs (x)223.4050%174
Efficiency ratio61.6821%6,169
Assets per employee ($millions)3.4944%4,945
Cash dividends to net income (ytd only)*62.1497%1,511
Condition Ratios (%)
Loss allowance to loans0.8758%6,860
Loan loss allowance to noncurrent loans543.2024%596
Noncurrent assets plus other real estate owned to assets0.2540%6,874
Noncurrent loans to loans0.1612%7,082
Net loans and leases to total assets54.9376%6,274
Net loans and leases to deposits77.0184%4,896
Net loans and leases to core deposits86.7691%5,790
Total domestic deposits to total assets71.3305%7,300
Equity capital to assets11.4756%2,606
Core capital (leverage) ratio10.3787%2,902
Tier 1 risk-based capital ratio17.9699%1,999
Total risk-based capital ratio18.8280%2,062
Memoranda:
Average total assets$368,389,0001,858
Average earning assets$334,285,0001,873
Average equity$40,729,5001,658
Average total loans$209,562,7502,218
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9279%2,465
Cost of funding earning assets1.4125%6,437
Net interest margin4.5154%1,135
Noninterest income to average assets0.8349%2,248
Noninterest expense to average assets3.0969%3,714
Loan and lease loss provision to assets0.0000%7,158
Net operating income to assets1.2901%1,251
Return on assets (ROA)1.2901%1,338
Pretax return on assets1.8308%803
Return on Equity (ROE)11.8194%1,477
Retained earnings to average equity (ytd only)3.7970%3,179
Net charge-offs to loans0.0218%6,195
Credit loss provision to net charge-offs0.0000%6,237
Earnings coverage of net charge-offs (x)146.3478%275
Efficiency ratio62.3068%6,202
Assets per employee ($millions)3.5919%4,591
Cash dividends to net income (ytd only)*67.8752%1,437
Condition Ratios (%)
Loss allowance to loans0.8712%6,898
Loan loss allowance to noncurrent loans561.8750%589
Noncurrent assets plus other real estate owned to assets0.2514%6,848
Noncurrent loans to loans0.1550%7,134
Net loans and leases to total assets55.2987%6,298
Net loans and leases to deposits77.4248%4,954
Net loans and leases to core deposits87.9684%5,725
Total domestic deposits to total assets71.4225%7,312
Equity capital to assets10.9798%2,939
Core capital (leverage) ratio10.2603%3,033
Tier 1 risk-based capital ratio17.8105%2,065
Total risk-based capital ratio18.6762%2,125
Memoranda:
Average total assets$367,717,3301,887
Average earning assets$333,303,3301,898
Average equity$40,137,3301,693
Average total loans$210,987,3302,239
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0435%2,181
Cost of funding earning assets1.4574%6,551
Net interest margin4.5861%961
Noninterest income to average assets0.8554%2,057
Noninterest expense to average assets3.0093%3,724
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.4065%1,126
Return on assets (ROA)1.4065%1,211
Pretax return on assets2.0077%660
Return on Equity (ROE)12.9239%1,411
Retained earnings to average equity (ytd only)5.0232%3,116
Net charge-offs to loans0.0263%5,166
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)131.4286%331
Efficiency ratio59.4606%6,488
Assets per employee ($millions)3.6184%4,528
Cash dividends to net income (ytd only)*61.1327%1,466
Condition Ratios (%)
Loss allowance to loans0.8578%6,925
Loan loss allowance to noncurrent loans1,309.4203%324
Noncurrent assets plus other real estate owned to assets0.2012%6,925
Noncurrent loans to loans0.0655%7,337
Net loans and leases to total assets56.0334%6,235
Net loans and leases to deposits79.3010%4,723
Net loans and leases to core deposits91.0532%5,449
Total domestic deposits to total assets70.6592%7,369
Equity capital to assets10.9402%3,020
Core capital (leverage) ratio10.0059%3,408
Tier 1 risk-based capital ratio17.5968%2,157
Total risk-based capital ratio18.4629%2,209
Memoranda:
Average total assets$366,591,5001,898
Average earning assets$332,657,0001,901
Average equity$39,895,0001,709
Average total loans$213,288,0002,240
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9628%5,740
Cost of funding earning assets1.8421%6,891
Net interest margin4.1207%2,623
Noninterest income to average assets0.8771%2,067
Noninterest expense to average assets3.0315%3,966
Loan and lease loss provision to assets0.0042%7,305
Net operating income to assets1.1393%1,990
Return on assets (ROA)1.1241%1,966
Pretax return on assets1.5682%1,487
Return on Equity (ROE)10.6405%2,033
Retained earnings to average equity (ytd only)-0.0996%5,297
Net charge-offs to loans0.0287%6,418
Credit loss provision to net charge-offs23.8095%6,566
Earnings coverage of net charge-offs (x)91.3492%461
Efficiency ratio64.9605%5,333
Assets per employee ($millions)3.4332%4,849
Cash dividends to net income (ytd only)*100.9360%963
Condition Ratios (%)
Loss allowance to loans0.8433%6,928
Loan loss allowance to noncurrent loans6,279.3103%114
Noncurrent assets plus other real estate owned to assets0.1784%6,852
Noncurrent loans to loans0.0134%7,486
Net loans and leases to total assets59.3957%5,996
Net loans and leases to deposits83.2654%4,529
Net loans and leases to core deposits95.7473%5,276
Total domestic deposits to total assets71.3330%7,117
Equity capital to assets10.8232%3,188
Core capital (leverage) ratio10.0231%3,424
Tier 1 risk-based capital ratio16.7473%2,403
Total risk-based capital ratio17.5901%2,482
Memoranda:
Average total assets$361,173,0001,857
Average earning assets$328,488,4001,861
Average equity$38,156,2001,770
Average total loans$219,441,2002,130