Home > Community First Bank > Performance and Condition Ratios

Community First Bank, Performance and Condition Ratios

2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8303%1,504
Cost of funding earning assets1.6433%3,072
Net interest margin4.1870%914
Noninterest income to average assets0.4900%1,945
Noninterest expense to average assets2.7914%1,476
Loan and lease loss provision to assets0.0200%2,606
Net operating income to assets1.5592%861
Return on assets (ROA)1.5575%860
Pretax return on assets1.5575%1,221
Return on Equity (ROE)19.0500%486
Retained earnings to average equity (ytd only)9.9788%865
Net charge-offs to loans0.0082%2,355
Credit loss provision to net charge-offs431.2500%710
Earnings coverage of net charge-offs (x)248.6563%449
Efficiency ratio63.8696%2,726
Assets per employee ($millions)5.2589%3,476
Cash dividends to net income (ytd only)*47.6045%1,464
Condition Ratios (%)
Loss allowance to loans1.4678%1,138
Loan loss allowance to noncurrent loans633.2526%1,036
Noncurrent assets plus other real estate owned to assets0.1917%2,507
Noncurrent loans to loans0.2318%2,609
Net loans and leases to total assets80.1200%612
Net loans and leases to deposits88.7126%1,366
Net loans and leases to core deposits99.2300%1,527
Total domestic deposits to total assets90.3200%506
Equity capital to assets9.0207%3,020
Core capital (leverage) ratio9.8981%2,914
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2291%1,817
Memoranda:
Average total assets$671,846,2501,385
Average earning assets$622,293,0001,381
Average equity$54,941,7501,598
Average total loans$518,774,5001,254
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7347%1,547
Cost of funding earning assets1.6962%2,866
Net interest margin4.0385%1,069
Noninterest income to average assets0.4900%1,897
Noninterest expense to average assets2.7464%1,573
Loan and lease loss provision to assets0.0300%2,286
Net operating income to assets1.4426%1,010
Return on assets (ROA)1.4426%1,011
Pretax return on assets1.4426%1,393
Return on Equity (ROE)18.2500%590
Retained earnings to average equity (ytd only)8.1212%1,341
Net charge-offs to loans0.0090%2,073
Credit loss provision to net charge-offs634.7826%534
Earnings coverage of net charge-offs (x)216.5652%469
Efficiency ratio65.1019%2,644
Assets per employee ($millions)5.3011%3,372
Cash dividends to net income (ytd only)*55.5009%1,277
Condition Ratios (%)
Loss allowance to loans1.4961%1,078
Loan loss allowance to noncurrent loans740.3955%966
Noncurrent assets plus other real estate owned to assets0.1648%2,573
Noncurrent loans to loans0.2021%2,687
Net loans and leases to total assets78.7600%818
Net loans and leases to deposits86.3502%1,618
Net loans and leases to core deposits96.5297%1,703
Total domestic deposits to total assets91.2100%409
Equity capital to assets8.3201%3,217
Core capital (leverage) ratio9.4908%3,252
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0266%1,877
Memoranda:
Average total assets$676,675,6671,373
Average earning assets$624,336,6671,372
Average equity$53,489,6671,612
Average total loans$513,516,6671,265
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6181%1,598
Cost of funding earning assets1.6979%2,771
Net interest margin3.9202%1,196
Noninterest income to average assets0.4900%1,833
Noninterest expense to average assets2.6576%1,796
Loan and lease loss provision to assets0.0600%1,561
Net operating income to assets1.3987%1,061
Return on assets (ROA)1.3987%1,064
Pretax return on assets1.3987%1,436
Return on Equity (ROE)18.1500%592
Retained earnings to average equity (ytd only)5.6647%2,211
Net charge-offs to loans0.0063%1,864
Credit loss provision to net charge-offs1,500.0000%255
Earnings coverage of net charge-offs (x)312.5000%292
Efficiency ratio64.5892%2,746
Assets per employee ($millions)5.5094%3,260
Cash dividends to net income (ytd only)*68.7917%915
Condition Ratios (%)
Loss allowance to loans1.5310%993
Loan loss allowance to noncurrent loans775.1234%997
Noncurrent assets plus other real estate owned to assets0.1514%2,636
Noncurrent loans to loans0.1975%2,637
Net loans and leases to total assets73.9200%1,346
Net loans and leases to deposits82.5869%1,837
Net loans and leases to core deposits92.3299%1,891
Total domestic deposits to total assets89.5100%957
Equity capital to assets7.7789%3,511
Core capital (leverage) ratio9.1621%3,549
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9965%1,881
Memoranda:
Average total assets$686,345,5001,356
Average earning assets$634,664,0001,356
Average equity$52,889,0001,621
Average total loans$507,491,0001,271
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2208%1,628
Cost of funding earning assets1.0697%3,145
Net interest margin4.1511%1,007
Noninterest income to average assets0.5000%1,995
Noninterest expense to average assets2.7314%1,661
Loan and lease loss provision to assets0.0500%2,105
Net operating income to assets1.5870%881
Return on assets (ROA)1.5445%917
Pretax return on assets1.5445%1,335
Return on Equity (ROE)20.7400%549
Retained earnings to average equity (ytd only)7.2659%1,802
Net charge-offs to loans0.0197%1,949
Credit loss provision to net charge-offs322.5806%911
Earnings coverage of net charge-offs (x)115.2366%837
Efficiency ratio62.5881%2,772
Assets per employee ($millions)5.8407%2,954
Cash dividends to net income (ytd only)*64.9635%1,001
Condition Ratios (%)
Loss allowance to loans1.6056%830
Loan loss allowance to noncurrent loans551.0595%1,362
Noncurrent assets plus other real estate owned to assets0.2123%2,162
Noncurrent loans to loans0.2914%2,132
Net loans and leases to total assets71.6800%1,622
Net loans and leases to deposits84.7166%1,712
Net loans and leases to core deposits94.0072%1,774
Total domestic deposits to total assets84.6200%2,426
Equity capital to assets7.6371%3,635
Core capital (leverage) ratio9.1028%3,643
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0717%1,842
Memoranda:
Average total assets$656,411,2001,370
Average earning assets$611,762,4001,359
Average equity$48,886,2001,636
Average total loans$471,127,0001,295
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0958%1,641
Cost of funding earning assets0.8216%3,469
Net interest margin4.2742%830
Noninterest income to average assets0.4900%2,012
Noninterest expense to average assets2.7704%1,498
Loan and lease loss provision to assets0.0600%1,749
Net operating income to assets1.6759%826
Return on assets (ROA)1.6186%898
Pretax return on assets1.6186%1,314
Return on Equity (ROE)21.8800%572
Retained earnings to average equity (ytd only)8.2725%1,868
Net charge-offs to loans0.0144%1,876
Credit loss provision to net charge-offs600.0000%555
Earnings coverage of net charge-offs (x)168.9600%672
Efficiency ratio61.4546%2,788
Assets per employee ($millions)5.6213%3,085
Cash dividends to net income (ytd only)*62.1934%876
Condition Ratios (%)
Loss allowance to loans1.6641%764
Loan loss allowance to noncurrent loans693.9212%1,138
Noncurrent assets plus other real estate owned to assets0.1761%2,412
Noncurrent loans to loans0.2398%2,391
Net loans and leases to total assets72.2100%1,552
Net loans and leases to deposits85.2239%1,635
Net loans and leases to core deposits94.2135%1,664
Total domestic deposits to total assets84.7300%2,586
Equity capital to assets7.2281%3,498
Core capital (leverage) ratio9.0650%3,714
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4011%1,753
Memoranda:
Average total assets$648,213,5001,378
Average earning assets$608,908,7501,362
Average equity$47,949,0001,647
Average total loans$463,380,7501,307
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9461%1,664
Cost of funding earning assets0.5066%3,967
Net interest margin4.4395%667
Noninterest income to average assets0.5000%1,875
Noninterest expense to average assets2.7983%1,416
Loan and lease loss provision to assets0.0800%1,369
Net operating income to assets1.7939%666
Return on assets (ROA)1.7071%769
Pretax return on assets1.7071%1,199
Return on Equity (ROE)22.9000%493
Retained earnings to average equity (ytd only)10.0479%1,390
Net charge-offs to loans0.0083%1,897
Credit loss provision to net charge-offs1,315.7895%338
Earnings coverage of net charge-offs (x)316.7895%432
Efficiency ratio59.9214%2,973
Assets per employee ($millions)5.4147%3,223
Cash dividends to net income (ytd only)*56.1202%1,097
Condition Ratios (%)
Loss allowance to loans1.7121%728
Loan loss allowance to noncurrent loans589.7885%1,375
Noncurrent assets plus other real estate owned to assets0.2110%2,138
Noncurrent loans to loans0.2903%2,093
Net loans and leases to total assets71.4400%1,591
Net loans and leases to deposits84.7528%1,604
Net loans and leases to core deposits89.2603%1,848
Total domestic deposits to total assets84.3000%2,750
Equity capital to assets7.5920%3,472
Core capital (leverage) ratio9.3520%3,409
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4366%1,743
Memoranda:
Average total assets$643,181,0001,387
Average earning assets$604,476,6671,369
Average equity$47,950,3331,652
Average total loans$455,487,3331,312
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8635%1,480
Cost of funding earning assets0.3421%4,103
Net interest margin4.5214%569
Noninterest income to average assets0.4800%1,921
Noninterest expense to average assets2.8055%1,421
Loan and lease loss provision to assets0.0900%1,196
Net operating income to assets1.8284%640
Return on assets (ROA)1.6540%898
Pretax return on assets1.6540%1,366
Return on Equity (ROE)22.4000%554
Retained earnings to average equity (ytd only)3.7748%3,331
Net charge-offs to loans0.0072%1,681
Credit loss provision to net charge-offs1,875.0000%209
Earnings coverage of net charge-offs (x)384.3750%289
Efficiency ratio59.3415%3,041
Assets per employee ($millions)5.0678%3,607
Cash dividends to net income (ytd only)*83.1444%602
Condition Ratios (%)
Loss allowance to loans1.7636%700
Loan loss allowance to noncurrent loans571.1429%1,478
Noncurrent assets plus other real estate owned to assets0.2210%2,027
Noncurrent loans to loans0.3088%2,040
Net loans and leases to total assets70.3100%1,591
Net loans and leases to deposits76.5196%2,073
Net loans and leases to core deposits78.4578%2,358
Total domestic deposits to total assets91.8900%542
Equity capital to assets7.6315%3,489
Core capital (leverage) ratio9.0263%3,712
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3695%1,843
Memoranda:
Average total assets$639,890,5001,414
Average earning assets$601,053,5001,397
Average equity$47,260,5001,680
Average total loans$447,084,0001,343
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2462%1,163
Cost of funding earning assets0.2085%3,691
Net interest margin4.0377%741
Noninterest income to average assets0.5200%1,990
Noninterest expense to average assets2.6945%1,568
Loan and lease loss provision to assets0.0800%1,457
Net operating income to assets1.5226%833
Return on assets (ROA)1.5226%806
Pretax return on assets1.5226%1,389
Return on Equity (ROE)21.7100%356
Retained earnings to average equity (ytd only)11.0482%875
Net charge-offs to loans0.0241%1,577
Credit loss provision to net charge-offs489.7959%688
Earnings coverage of net charge-offs (x)100.7347%971
Efficiency ratio62.7373%2,669
Assets per employee ($millions)5.5716%3,151
Cash dividends to net income (ytd only)*49.1056%1,440
Condition Ratios (%)
Loss allowance to loans1.7681%701
Loan loss allowance to noncurrent loans517.8073%1,562
Noncurrent assets plus other real estate owned to assets0.2329%1,977
Noncurrent loans to loans0.3415%1,925
Net loans and leases to total assets66.9900%1,932
Net loans and leases to deposits72.3483%2,381
Net loans and leases to core deposits74.3800%2,542
Total domestic deposits to total assets92.6000%491
Equity capital to assets7.1448%3,586
Core capital (leverage) ratio8.6742%3,983
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7967%1,694
Memoranda:
Average total assets$616,842,8001,442
Average earning assets$577,429,4001,431
Average equity$43,265,0001,811
Average total loans$406,431,2001,377
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0427%1,174
Cost of funding earning assets0.1780%3,537
Net interest margin3.8647%860
Noninterest income to average assets0.5000%2,161
Noninterest expense to average assets2.6709%1,531
Loan and lease loss provision to assets0.0700%1,430
Net operating income to assets1.3729%1,163
Return on assets (ROA)1.3729%1,133
Pretax return on assets1.3729%1,804
Return on Equity (ROE)19.6700%461
Retained earnings to average equity (ytd only)10.3593%1,240
Net charge-offs to loans-0.0023%3,298
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio64.8897%2,424
Assets per employee ($millions)5.6361%3,091
Cash dividends to net income (ytd only)*47.3391%1,304
Condition Ratios (%)
Loss allowance to loans1.8482%665
Loan loss allowance to noncurrent loans627.8768%1,356
Noncurrent assets plus other real estate owned to assets0.1855%2,360
Noncurrent loans to loans0.2944%2,190
Net loans and leases to total assets61.8700%2,306
Net loans and leases to deposits66.3745%2,687
Net loans and leases to core deposits68.6393%2,749
Total domestic deposits to total assets93.2100%522
Equity capital to assets6.4602%3,764
Core capital (leverage) ratio8.3583%4,178
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9796%1,717
Memoranda:
Average total assets$609,478,2501,465
Average earning assets$569,934,2501,454
Average equity$42,537,0001,867
Average total loans$397,847,2501,392
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8230%1,266
Cost of funding earning assets0.1570%3,491
Net interest margin3.6660%969
Noninterest income to average assets0.5114%2,136
Noninterest expense to average assets2.6550%1,495
Loan and lease loss provision to assets0.0609%1,502
Net operating income to assets1.2177%1,374
Return on assets (ROA)1.2177%1,361
Pretax return on assets1.2177%2,013
Return on Equity (ROE)16.9738%572
Retained earnings to average equity (ytd only)5.7413%2,418
Net charge-offs to loans-0.0010%3,043
Credit loss provision to net charge-offs-9,000.0000%3,842
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4955%2,311
Assets per employee ($millions)4.8972%3,772
Cash dividends to net income (ytd only)*66.1757%910
Condition Ratios (%)
Loss allowance to loans1.8743%704
Loan loss allowance to noncurrent loans450.2966%1,666
Noncurrent assets plus other real estate owned to assets0.2845%1,881
Noncurrent loans to loans0.4162%1,868
Net loans and leases to total assets67.0767%1,568
Net loans and leases to deposits72.0841%2,016
Net loans and leases to core deposits76.2324%1,993
Total domestic deposits to total assets93.0534%504
Equity capital to assets6.6188%3,966
Core capital (leverage) ratio8.1475%4,226
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7903%2,160
Memoranda:
Average total assets$590,951,3331,521
Average earning assets$551,663,3331,518
Average equity$42,394,6671,918
Average total loans$390,721,0001,409
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7158%1,242
Cost of funding earning assets0.1661%3,277
Net interest margin3.5497%983
Noninterest income to average assets0.4934%2,177
Noninterest expense to average assets2.6380%1,505
Loan and lease loss provision to assets0.1017%818
Net operating income to assets1.0709%1,619
Return on assets (ROA)1.0709%1,610
Pretax return on assets1.0709%2,233
Return on Equity (ROE)14.3697%764
Retained earnings to average equity (ytd only)8.9401%1,284
Net charge-offs to loans-0.0115%3,639
Credit loss provision to net charge-offs-1,363.6364%3,314
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.2280%2,341
Assets per employee ($millions)5.2443%3,548
Cash dividends to net income (ytd only)*37.7848%1,559
Condition Ratios (%)
Loss allowance to loans1.9672%655
Loan loss allowance to noncurrent loans589.2607%1,333
Noncurrent assets plus other real estate owned to assets0.2207%2,320
Noncurrent loans to loans0.3338%2,290
Net loans and leases to total assets64.8208%1,523
Net loans and leases to deposits69.9538%1,971
Net loans and leases to core deposits74.3541%1,913
Total domestic deposits to total assets92.6623%360
Equity capital to assets7.1509%4,128
Core capital (leverage) ratio8.2521%4,115
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8277%2,667
Memoranda:
Average total assets$590,144,0001,528
Average earning assets$551,478,0001,529
Average equity$43,981,5001,919
Average total loans$383,548,5001,421
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0899%1,180
Cost of funding earning assets0.2984%2,421
Net interest margin3.7915%1,026
Noninterest income to average assets0.4577%2,775
Noninterest expense to average assets2.5910%1,895
Loan and lease loss provision to assets0.1389%870
Net operating income to assets1.2561%1,725
Return on assets (ROA)1.3633%1,449
Pretax return on assets1.3633%2,163
Return on Equity (ROE)16.2729%712
Retained earnings to average equity (ytd only)9.0358%1,191
Net charge-offs to loans0.0046%2,433
Credit loss provision to net charge-offs4,411.7647%163
Earnings coverage of net charge-offs (x)443.2353%300
Efficiency ratio65.0023%2,400
Assets per employee ($millions)5.7516%3,006
Cash dividends to net income (ytd only)*44.4731%1,799
Condition Ratios (%)
Loss allowance to loans1.9391%672
Loan loss allowance to noncurrent loans489.8215%1,454
Noncurrent assets plus other real estate owned to assets0.2529%2,304
Noncurrent loans to loans0.3959%2,172
Net loans and leases to total assets62.6545%1,862
Net loans and leases to deposits68.0462%2,309
Net loans and leases to core deposits72.6761%2,193
Total domestic deposits to total assets92.0763%159
Equity capital to assets7.7463%4,491
Core capital (leverage) ratio8.4025%4,015
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6205%2,008
Memoranda:
Average total assets$540,146,0001,599
Average earning assets$502,657,2001,599
Average equity$45,253,2001,914
Average total loans$370,212,4001,462
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2247%1,074
Cost of funding earning assets0.3328%2,269
Net interest margin3.8919%952
Noninterest income to average assets0.4753%2,732
Noninterest expense to average assets2.6382%1,730
Loan and lease loss provision to assets0.1522%733
Net operating income to assets1.2979%1,835
Return on assets (ROA)1.4448%1,471
Pretax return on assets1.4448%2,166
Return on Equity (ROE)16.8832%781
Retained earnings to average equity (ytd only)10.3534%1,213
Net charge-offs to loans0.0033%2,228
Credit loss provision to net charge-offs6,666.6667%119
Earnings coverage of net charge-offs (x)635.2222%247
Efficiency ratio64.5303%2,313
Assets per employee ($millions)5.1940%3,511
Cash dividends to net income (ytd only)*38.6763%1,678
Condition Ratios (%)
Loss allowance to loans1.9358%719
Loan loss allowance to noncurrent loans492.5474%1,375
Noncurrent assets plus other real estate owned to assets0.3593%1,999
Noncurrent loans to loans0.3930%2,388
Net loans and leases to total assets68.1773%1,298
Net loans and leases to deposits74.8580%1,773
Net loans and leases to core deposits80.7852%1,671
Total domestic deposits to total assets91.0755%342
Equity capital to assets8.5896%4,139
Core capital (leverage) ratio8.7945%3,758
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9046%2,397
Memoranda:
Average total assets$525,640,5001,644
Average earning assets$487,976,5001,659
Average equity$44,982,5001,945
Average total loans$367,218,0001,497
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1755%1,225
Cost of funding earning assets0.3610%2,224
Net interest margin3.8146%1,120
Noninterest income to average assets0.5326%2,478
Noninterest expense to average assets2.6252%1,791
Loan and lease loss provision to assets0.1728%668
Net operating income to assets1.2734%1,938
Return on assets (ROA)1.4958%1,368
Pretax return on assets1.4958%2,026
Return on Equity (ROE)17.5016%717
Retained earnings to average equity (ytd only)9.8449%1,443
Net charge-offs to loans-0.0016%3,156
Credit loss provision to net charge-offs-15,000.0000%4,075
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4784%2,364
Assets per employee ($millions)4.9835%3,671
Cash dividends to net income (ytd only)*43.7484%1,437
Condition Ratios (%)
Loss allowance to loans1.9055%731
Loan loss allowance to noncurrent loans373.2077%1,613
Noncurrent assets plus other real estate owned to assets0.4678%1,786
Noncurrent loans to loans0.5106%2,146
Net loans and leases to total assets69.5032%1,264
Net loans and leases to deposits76.2354%1,794
Net loans and leases to core deposits82.4178%1,687
Total domestic deposits to total assets91.1692%316
Equity capital to assets8.5752%4,145
Core capital (leverage) ratio8.6172%3,862
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5922%2,517
Memoranda:
Average total assets$520,795,0001,653
Average earning assets$483,149,6671,654
Average equity$44,510,3331,950
Average total loans$364,441,3331,505
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2300%1,147
Cost of funding earning assets0.3881%2,195
Net interest margin3.8419%1,070
Noninterest income to average assets0.5152%2,544
Noninterest expense to average assets2.6442%1,757
Loan and lease loss provision to assets0.2321%482
Net operating income to assets1.2153%2,088
Return on assets (ROA)1.6632%1,050
Pretax return on assets1.6632%1,574
Return on Equity (ROE)19.4941%572
Retained earnings to average equity (ytd only)8.4232%2,118
Net charge-offs to loans-0.0056%3,432
Credit loss provision to net charge-offs-6,000.0000%3,736
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6247%2,394
Assets per employee ($millions)5.0462%3,604
Cash dividends to net income (ytd only)*56.7907%962
Condition Ratios (%)
Loss allowance to loans1.8821%760
Loan loss allowance to noncurrent loans388.1601%1,427
Noncurrent assets plus other real estate owned to assets0.4495%2,043
Noncurrent loans to loans0.4849%2,399
Net loans and leases to total assets69.3671%1,372
Net loans and leases to deposits75.9075%1,919
Net loans and leases to core deposits82.8585%1,766
Total domestic deposits to total assets91.3837%264
Equity capital to assets8.3777%4,214
Core capital (leverage) ratio8.7152%3,899
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5349%2,477
Memoranda:
Average total assets$517,064,5001,652
Average earning assets$481,328,5001,644
Average equity$44,116,0001,948
Average total loans$359,518,5001,528
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4782%1,369
Cost of funding earning assets0.5423%2,660
Net interest margin3.9359%1,125
Noninterest income to average assets0.5583%2,383
Noninterest expense to average assets2.8273%1,876
Loan and lease loss provision to assets0.2061%1,912
Net operating income to assets1.1572%1,697
Return on assets (ROA)1.1572%1,817
Pretax return on assets1.1572%2,489
Return on Equity (ROE)12.0576%1,305
Retained earnings to average equity (ytd only)4.5473%2,508
Net charge-offs to loans0.0276%2,481
Credit loss provision to net charge-offs989.3617%790
Earnings coverage of net charge-offs (x)65.4362%1,019
Efficiency ratio67.4671%2,302
Assets per employee ($millions)4.7600%3,648
Cash dividends to net income (ytd only)*62.2869%1,255
Condition Ratios (%)
Loss allowance to loans1.9189%695
Loan loss allowance to noncurrent loans418.4211%1,325
Noncurrent assets plus other real estate owned to assets0.4577%2,200
Noncurrent loans to loans0.4586%2,595
Net loans and leases to total assets67.0171%1,953
Net loans and leases to deposits73.5509%2,528
Net loans and leases to core deposits80.6135%2,310
Total domestic deposits to total assets91.1166%199
Equity capital to assets8.6910%4,297
Core capital (leverage) ratio8.9942%3,690
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4734%2,059
Memoranda:
Average total assets$451,166,6001,697
Average earning assets$416,370,8001,711
Average equity$43,300,6001,899
Average total loans$340,427,4001,536
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6231%1,246
Cost of funding earning assets0.5783%2,749
Net interest margin4.0448%1,023
Noninterest income to average assets0.5726%2,292
Noninterest expense to average assets2.8814%1,745
Loan and lease loss provision to assets0.1924%2,061
Net operating income to assets1.2172%1,586
Return on assets (ROA)1.2172%1,709
Pretax return on assets1.2172%2,337
Return on Equity (ROE)12.3423%1,289
Retained earnings to average equity (ytd only)5.5116%2,320
Net charge-offs to loans0.0158%2,567
Credit loss provision to net charge-offs1,575.0000%595
Earnings coverage of net charge-offs (x)115.4000%715
Efficiency ratio67.1506%2,295
Assets per employee ($millions)4.5207%3,824
Cash dividends to net income (ytd only)*55.3437%1,270
Condition Ratios (%)
Loss allowance to loans1.8456%662
Loan loss allowance to noncurrent loans412.5722%1,235
Noncurrent assets plus other real estate owned to assets0.4944%2,225
Noncurrent loans to loans0.4473%2,709
Net loans and leases to total assets71.3846%1,758
Net loans and leases to deposits80.7982%2,221
Net loans and leases to core deposits89.2202%2,041
Total domestic deposits to total assets88.3492%1,033
Equity capital to assets9.2242%3,932
Core capital (leverage) ratio9.1343%3,609
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3658%2,044
Memoranda:
Average total assets$436,628,0001,721
Average earning assets$401,396,7501,739
Average equity$43,059,5001,895
Average total loans$338,531,7501,535
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7847%1,208
Cost of funding earning assets0.6056%2,935
Net interest margin4.1790%971
Noninterest income to average assets0.5823%2,199
Noninterest expense to average assets2.9585%1,692
Loan and lease loss provision to assets0.1562%2,436
Net operating income to assets1.3029%1,349
Return on assets (ROA)1.3029%1,457
Pretax return on assets1.3029%2,018
Return on Equity (ROE)12.8964%1,124
Retained earnings to average equity (ytd only)4.9392%2,506
Net charge-offs to loans0.0173%2,379
Credit loss provision to net charge-offs1,137.9310%725
Earnings coverage of net charge-offs (x)106.2759%674
Efficiency ratio66.9703%2,382
Assets per employee ($millions)4.4493%3,850
Cash dividends to net income (ytd only)*61.7006%1,191
Condition Ratios (%)
Loss allowance to loans1.7128%792
Loan loss allowance to noncurrent loans225.2199%1,958
Noncurrent assets plus other real estate owned to assets0.7097%1,734
Noncurrent loans to loans0.7605%1,978
Net loans and leases to total assets74.7550%1,310
Net loans and leases to deposits84.5939%1,931
Net loans and leases to core deposits93.5806%1,780
Total domestic deposits to total assets88.3693%1,009
Equity capital to assets9.2379%3,888
Core capital (leverage) ratio9.4365%3,429
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8214%2,256
Memoranda:
Average total assets$422,438,6671,739
Average earning assets$387,697,6671,761
Average equity$42,678,6671,898
Average total loans$335,207,6671,532
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0877%815
Cost of funding earning assets0.6514%3,162
Net interest margin4.4363%581
Noninterest income to average assets0.6776%1,741
Noninterest expense to average assets3.1298%1,569
Loan and lease loss provision to assets0.1659%1,762
Net operating income to assets1.4287%926
Return on assets (ROA)1.4287%996
Pretax return on assets1.4287%1,484
Return on Equity (ROE)13.4584%799
Retained earnings to average equity (ytd only)2.3393%3,321
Net charge-offs to loans0.0371%1,673
Credit loss provision to net charge-offs550.0000%831
Earnings coverage of net charge-offs (x)52.8667%863
Efficiency ratio66.2481%2,922
Assets per employee ($millions)3.8605%4,103
Cash dividends to net income (ytd only)*82.6179%979
Condition Ratios (%)
Loss allowance to loans1.8531%659
Loan loss allowance to noncurrent loans216.5158%1,952
Noncurrent assets plus other real estate owned to assets0.8709%1,529
Noncurrent loans to loans0.8559%1,903
Net loans and leases to total assets78.1089%965
Net loans and leases to deposits87.5792%1,802
Net loans and leases to core deposits98.5713%1,580
Total domestic deposits to total assets89.1866%590
Equity capital to assets10.5253%3,297
Core capital (leverage) ratio10.3227%3,123
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0390%1,892
Memoranda:
Average total assets$397,847,0001,774
Average earning assets$362,914,0001,803
Average equity$42,234,0001,906
Average total loans$323,459,0001,545
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2941%830
Cost of funding earning assets0.6359%3,480
Net interest margin4.6582%515
Noninterest income to average assets0.6869%1,859
Noninterest expense to average assets3.0670%1,837
Loan and lease loss provision to assets0.1675%1,246
Net operating income to assets1.6900%673
Return on assets (ROA)1.6900%722
Pretax return on assets1.6900%1,214
Return on Equity (ROE)16.7259%450
Retained earnings to average equity (ytd only)7.9761%986
Net charge-offs to loans0.0674%2,125
Credit loss provision to net charge-offs308.4112%898
Earnings coverage of net charge-offs (x)34.1963%1,453
Efficiency ratio62.2803%3,329
Assets per employee ($millions)3.6825%4,281
Cash dividends to net income (ytd only)*52.3130%1,910
Condition Ratios (%)
Loss allowance to loans1.8013%657
Loan loss allowance to noncurrent loans167.2009%2,401
Noncurrent assets plus other real estate owned to assets0.9543%1,325
Noncurrent loans to loans1.0773%1,403
Net loans and leases to total assets81.5904%602
Net loans and leases to deposits91.6071%1,416
Net loans and leases to core deposits102.3617%1,379
Total domestic deposits to total assets89.0656%643
Equity capital to assets10.7095%3,249
Core capital (leverage) ratio10.4253%3,038
Tier 1 risk-based capital ratio13.1289%3,727
Total risk-based capital ratio14.3863%3,607
Memoranda:
Average total assets$393,968,4001,756
Average earning assets$358,397,8001,786
Average equity$39,806,6001,944
Average total loans$317,378,6001,534
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2771%906
Cost of funding earning assets0.6257%3,553
Net interest margin4.6515%548
Noninterest income to average assets0.6773%1,881
Noninterest expense to average assets3.0402%1,858
Loan and lease loss provision to assets0.1671%1,114
Net operating income to assets1.6947%753
Return on assets (ROA)1.6947%795
Pretax return on assets1.6947%1,347
Return on Equity (ROE)17.0244%477
Retained earnings to average equity (ytd only)9.0600%1,027
Net charge-offs to loans0.0308%2,455
Credit loss provision to net charge-offs678.0822%493
Earnings coverage of net charge-offs (x)75.5350%893
Efficiency ratio62.0196%3,322
Assets per employee ($millions)3.6703%4,313
Cash dividends to net income (ytd only)*46.7823%1,838
Condition Ratios (%)
Loss allowance to loans1.8301%638
Loan loss allowance to noncurrent loans239.1286%1,818
Noncurrent assets plus other real estate owned to assets0.6908%1,969
Noncurrent loans to loans0.7653%2,057
Net loans and leases to total assets79.4667%919
Net loans and leases to deposits89.2072%1,788
Net loans and leases to core deposits100.1849%1,643
Total domestic deposits to total assets89.0810%585
Equity capital to assets10.5228%3,521
Core capital (leverage) ratio10.2949%3,313
Tier 1 risk-based capital ratio13.9043%3,376
Total risk-based capital ratio15.1635%3,284
Memoranda:
Average total assets$394,874,0001,772
Average earning assets$358,645,5001,798
Average equity$39,307,2501,973
Average total loans$315,641,5001,551
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2533%889
Cost of funding earning assets0.6041%3,631
Net interest margin4.6492%552
Noninterest income to average assets0.6466%1,938
Noninterest expense to average assets3.0228%1,946
Loan and lease loss provision to assets0.1668%1,089
Net operating income to assets1.6826%749
Return on assets (ROA)1.6826%779
Pretax return on assets1.6826%1,313
Return on Equity (ROE)17.2282%443
Retained earnings to average equity (ytd only)8.1534%1,331
Net charge-offs to loans0.0070%2,900
Credit loss provision to net charge-offs3,000.0000%118
Earnings coverage of net charge-offs (x)332.5455%233
Efficiency ratio62.0421%3,425
Assets per employee ($millions)3.7187%4,218
Cash dividends to net income (ytd only)*52.6743%1,658
Condition Ratios (%)
Loss allowance to loans1.8214%653
Loan loss allowance to noncurrent loans264.8749%1,752
Noncurrent assets plus other real estate owned to assets0.6190%2,170
Noncurrent loans to loans0.6876%2,253
Net loans and leases to total assets77.4346%1,323
Net loans and leases to deposits87.3528%2,077
Net loans and leases to core deposits97.5894%1,921
Total domestic deposits to total assets88.6458%804
Equity capital to assets10.0461%3,939
Core capital (leverage) ratio10.0136%3,568
Tier 1 risk-based capital ratio13.7140%3,477
Total risk-based capital ratio14.9729%3,364
Memoranda:
Average total assets$395,589,6701,777
Average earning assets$359,544,3301,804
Average equity$38,634,3301,995
Average total loans$314,887,0001,563
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2822%781
Cost of funding earning assets0.5819%3,669
Net interest margin4.7003%494
Noninterest income to average assets0.6338%1,891
Noninterest expense to average assets3.0109%1,965
Loan and lease loss provision to assets0.1673%1,005
Net operating income to assets1.7149%709
Return on assets (ROA)1.7149%735
Pretax return on assets1.7149%1,174
Return on Equity (ROE)17.8166%415
Retained earnings to average equity (ytd only)5.8581%2,516
Net charge-offs to loans0.0051%2,526
Credit loss provision to net charge-offs4,125.0000%99
Earnings coverage of net charge-offs (x)464.0000%165
Efficiency ratio61.5337%3,602
Assets per employee ($millions)3.6646%4,389
Cash dividends to net income (ytd only)*67.1200%1,174
Condition Ratios (%)
Loss allowance to loans1.7629%756
Loan loss allowance to noncurrent loans361.5485%1,358
Noncurrent assets plus other real estate owned to assets0.4555%2,776
Noncurrent loans to loans0.4876%2,849
Net loans and leases to total assets76.8213%1,344
Net loans and leases to deposits86.1343%2,117
Net loans and leases to core deposits95.7237%1,951
Total domestic deposits to total assets89.1879%776
Equity capital to assets9.5494%4,210
Core capital (leverage) ratio9.5960%4,028
Tier 1 risk-based capital ratio13.2544%3,736
Total risk-based capital ratio14.5125%3,638
Memoranda:
Average total assets$394,432,0001,787
Average earning assets$357,427,0001,816
Average equity$37,964,5002,016
Average total loans$315,414,5001,573
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1913%712
Cost of funding earning assets0.4746%3,517
Net interest margin4.7168%469
Noninterest income to average assets0.6425%2,074
Noninterest expense to average assets3.1429%1,693
Loan and lease loss provision to assets0.1583%1,302
Net operating income to assets1.6372%798
Return on assets (ROA)1.6505%771
Pretax return on assets1.6505%1,314
Return on Equity (ROE)16.8858%505
Retained earnings to average equity (ytd only)8.5370%1,032
Net charge-offs to loans0.0308%2,784
Credit loss provision to net charge-offs642.8571%536
Earnings coverage of net charge-offs (x)72.9011%909
Efficiency ratio63.6413%3,234
Assets per employee ($millions)3.6052%4,442
Cash dividends to net income (ytd only)*49.4424%1,991
Condition Ratios (%)
Loss allowance to loans1.7094%816
Loan loss allowance to noncurrent loans363.0552%1,411
Noncurrent assets plus other real estate owned to assets0.4627%2,712
Noncurrent loans to loans0.4708%2,862
Net loans and leases to total assets80.4146%879
Net loans and leases to deposits91.3685%1,619
Net loans and leases to core deposits101.3248%1,622
Total domestic deposits to total assets88.0112%1,290
Equity capital to assets9.7042%3,947
Core capital (leverage) ratio9.8070%3,788
Tier 1 risk-based capital ratio13.0835%3,795
Total risk-based capital ratio14.3410%3,684
Memoranda:
Average total assets$369,467,4001,832
Average earning assets$336,502,4001,863
Average equity$36,113,2002,028
Average total loans$295,135,2001,611
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1505%689
Cost of funding earning assets0.4429%3,580
Net interest margin4.7076%468
Noninterest income to average assets0.6382%2,127
Noninterest expense to average assets3.1337%1,682
Loan and lease loss provision to assets0.1533%1,283
Net operating income to assets1.6413%859
Return on assets (ROA)1.6592%828
Pretax return on assets1.6592%1,385
Return on Equity (ROE)16.9426%549
Retained earnings to average equity (ytd only)9.9375%943
Net charge-offs to loans0.0257%2,604
Credit loss provision to net charge-offs750.0000%508
Earnings coverage of net charge-offs (x)87.8271%831
Efficiency ratio63.5866%3,255
Assets per employee ($millions)3.6938%4,315
Cash dividends to net income (ytd only)*41.3458%1,991
Condition Ratios (%)
Loss allowance to loans1.7046%856
Loan loss allowance to noncurrent loans398.9394%1,321
Noncurrent assets plus other real estate owned to assets0.3795%3,170
Noncurrent loans to loans0.4273%3,127
Net loans and leases to total assets79.0486%1,159
Net loans and leases to deposits90.3185%1,853
Net loans and leases to core deposits99.6944%1,818
Total domestic deposits to total assets87.5220%1,476
Equity capital to assets9.5235%4,056
Core capital (leverage) ratio9.9493%3,692
Tier 1 risk-based capital ratio12.8757%3,976
Total risk-based capital ratio14.1324%3,875
Memoranda:
Average total assets$365,394,0001,859
Average earning assets$332,981,7501,890
Average equity$35,782,7502,050
Average total loans$290,018,2501,643
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0603%719
Cost of funding earning assets0.4096%3,656
Net interest margin4.6507%498
Noninterest income to average assets0.6181%2,232
Noninterest expense to average assets3.1503%1,661
Loan and lease loss provision to assets0.1420%1,372
Net operating income to assets1.5749%978
Return on assets (ROA)1.6016%923
Pretax return on assets1.6016%1,497
Return on Equity (ROE)16.1958%634
Retained earnings to average equity (ytd only)8.5597%1,369
Net charge-offs to loans0.0374%2,104
Credit loss provision to net charge-offs481.1321%726
Earnings coverage of net charge-offs (x)58.1698%1,019
Efficiency ratio64.7254%3,207
Assets per employee ($millions)3.5588%4,521
Cash dividends to net income (ytd only)*47.1488%1,806
Condition Ratios (%)
Loss allowance to loans1.7061%896
Loan loss allowance to noncurrent loans348.1583%1,467
Noncurrent assets plus other real estate owned to assets0.4350%2,984
Noncurrent loans to loans0.4900%2,963
Net loans and leases to total assets79.4507%1,104
Net loans and leases to deposits88.2088%2,085
Net loans and leases to core deposits97.6405%1,914
Total domestic deposits to total assets90.0712%548
Equity capital to assets9.6624%3,952
Core capital (leverage) ratio9.9949%3,586
Tier 1 risk-based capital ratio13.0865%3,855
Total risk-based capital ratio14.3437%3,768
Memoranda:
Average total assets$359,140,3301,891
Average earning assets$328,125,3301,916
Average equity$35,515,3302,069
Average total loans$283,712,6701,671
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9305%817
Cost of funding earning assets0.3860%3,688
Net interest margin4.5445%561
Noninterest income to average assets0.6209%2,167
Noninterest expense to average assets3.1059%1,810
Loan and lease loss provision to assets0.1866%909
Net operating income to assets1.4828%1,120
Return on assets (ROA)1.5382%990
Pretax return on assets1.5382%1,572
Return on Equity (ROE)15.3707%736
Retained earnings to average equity (ytd only)15.3707%299
Net charge-offs to loans0.0754%1,371
Credit loss provision to net charge-offs317.3077%786
Earnings coverage of net charge-offs (x)28.3846%1,273
Efficiency ratio65.0403%3,312
Assets per employee ($millions)3.5309%4,629
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.7947%795
Loan loss allowance to noncurrent loans282.0585%1,726
Noncurrent assets plus other real estate owned to assets0.5992%2,518
Noncurrent loans to loans0.6363%2,635
Net loans and leases to total assets76.9490%1,396
Net loans and leases to deposits85.7524%2,195
Net loans and leases to core deposits94.3153%2,110
Total domestic deposits to total assets89.7340%770
Equity capital to assets10.0072%3,584
Core capital (leverage) ratio10.2006%3,303
Tier 1 risk-based capital ratio13.7475%3,521
Total risk-based capital ratio15.0053%3,419
Memoranda:
Average total assets$353,653,0001,930
Average earning assets$323,293,0001,952
Average equity$35,392,0002,080
Average total loans$275,987,5001,712
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8495%893
Cost of funding earning assets0.3418%3,782
Net interest margin4.5078%598
Noninterest income to average assets0.6115%2,394
Noninterest expense to average assets3.0278%2,078
Loan and lease loss provision to assets0.1548%1,456
Net operating income to assets1.5157%775
Return on assets (ROA)1.5157%787
Pretax return on assets1.5157%1,578
Return on Equity (ROE)14.9967%610
Retained earnings to average equity (ytd only)7.1439%1,025
Net charge-offs to loans0.0194%3,460
Credit loss provision to net charge-offs1,050.0000%345
Earnings coverage of net charge-offs (x)113.3200%593
Efficiency ratio64.4453%3,541
Assets per employee ($millions)3.5423%4,646
Cash dividends to net income (ytd only)*52.3634%2,165
Condition Ratios (%)
Loss allowance to loans1.7986%780
Loan loss allowance to noncurrent loans333.0163%1,543
Noncurrent assets plus other real estate owned to assets0.5312%2,783
Noncurrent loans to loans0.5401%2,879
Net loans and leases to total assets76.3196%1,538
Net loans and leases to deposits84.9788%2,376
Net loans and leases to core deposits93.5408%2,238
Total domestic deposits to total assets89.8102%638
Equity capital to assets10.0079%3,698
Core capital (leverage) ratio10.0179%3,434
Tier 1 risk-based capital ratio13.5743%3,586
Total risk-based capital ratio14.8323%3,494
Memoranda:
Average total assets$339,191,6001,964
Average earning assets$307,514,6002,002
Average equity$34,280,8002,120
Average total loans$257,415,0001,770
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7968%933
Cost of funding earning assets0.3298%3,848
Net interest margin4.4670%645
Noninterest income to average assets0.6109%2,418
Noninterest expense to average assets3.0181%2,066
Loan and lease loss provision to assets0.1427%1,478
Net operating income to assets1.4938%910
Return on assets (ROA)1.4938%930
Pretax return on assets1.4938%1,789
Return on Equity (ROE)14.7427%690
Retained earnings to average equity (ytd only)8.8934%883
Net charge-offs to loans0.0189%3,114
Credit loss provision to net charge-offs1,000.0000%354
Earnings coverage of net charge-offs (x)114.6638%640
Efficiency ratio64.8412%3,394
Assets per employee ($millions)3.5315%4,683
Cash dividends to net income (ytd only)*39.6762%2,298
Condition Ratios (%)
Loss allowance to loans1.8049%848
Loan loss allowance to noncurrent loans237.0758%1,951
Noncurrent assets plus other real estate owned to assets0.6238%2,641
Noncurrent loans to loans0.7613%2,454
Net loans and leases to total assets75.4548%1,689
Net loans and leases to deposits84.4656%2,498
Net loans and leases to core deposits93.5365%2,307
Total domestic deposits to total assets89.3320%732
Equity capital to assets10.3244%3,573
Core capital (leverage) ratio10.2890%3,214
Tier 1 risk-based capital ratio13.7661%3,542
Total risk-based capital ratio15.0238%3,473
Memoranda:
Average total assets$336,318,7501,988
Average earning assets$304,445,5002,033
Average equity$34,077,0002,145
Average total loans$253,633,2501,806
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7716%916
Cost of funding earning assets0.3177%3,900
Net interest margin4.4539%632
Noninterest income to average assets0.6223%2,367
Noninterest expense to average assets3.0391%2,013
Loan and lease loss provision to assets0.1167%1,761
Net operating income to assets1.4929%880
Return on assets (ROA)1.4929%903
Pretax return on assets1.4929%1,673
Return on Equity (ROE)14.8304%689
Retained earnings to average equity (ytd only)9.3381%746
Net charge-offs to loans0.0176%2,900
Credit loss provision to net charge-offs886.3636%422
Earnings coverage of net charge-offs (x)122.2727%568
Efficiency ratio65.3752%3,449
Assets per employee ($millions)3.4811%4,747
Cash dividends to net income (ytd only)*37.0341%2,467
Condition Ratios (%)
Loss allowance to loans1.7928%901
Loan loss allowance to noncurrent loans256.8956%1,801
Noncurrent assets plus other real estate owned to assets0.8230%2,153
Noncurrent loans to loans0.6979%2,659
Net loans and leases to total assets74.6431%1,760
Net loans and leases to deposits83.4242%2,553
Net loans and leases to core deposits91.8210%2,352
Total domestic deposits to total assets89.4742%735
Equity capital to assets10.2797%3,591
Core capital (leverage) ratio10.1009%3,405
Tier 1 risk-based capital ratio13.8426%3,511
Total risk-based capital ratio15.1000%3,427
Memoranda:
Average total assets$334,239,6702,006
Average earning assets$302,162,3302,041
Average equity$33,647,0002,158
Average total loans$250,435,6701,823
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7447%856
Cost of funding earning assets0.3125%3,920
Net interest margin4.4322%599
Noninterest income to average assets0.6303%2,267
Noninterest expense to average assets3.0422%2,042
Loan and lease loss provision to assets0.1083%1,761
Net operating income to assets1.4892%827
Return on assets (ROA)1.4892%857
Pretax return on assets1.4892%1,574
Return on Equity (ROE)14.9539%654
Retained earnings to average equity (ytd only)10.6055%674
Net charge-offs to loans0.0243%2,276
Credit loss provision to net charge-offs600.0000%507
Earnings coverage of net charge-offs (x)88.5333%603
Efficiency ratio65.5691%3,566
Assets per employee ($millions)3.5593%4,704
Cash dividends to net income (ytd only)*29.0792%2,336
Condition Ratios (%)
Loss allowance to loans1.8068%948
Loan loss allowance to noncurrent loans205.8044%2,204
Noncurrent assets plus other real estate owned to assets0.9298%1,988
Noncurrent loans to loans0.8779%2,278
Net loans and leases to total assets72.3748%2,021
Net loans and leases to deposits80.5916%2,672
Net loans and leases to core deposits88.3175%2,518
Total domestic deposits to total assets89.8044%745
Equity capital to assets9.9690%3,789
Core capital (leverage) ratio9.8997%3,625
Tier 1 risk-based capital ratio13.8977%3,543
Total risk-based capital ratio15.1551%3,448
Memoranda:
Average total assets$332,527,5002,029
Average earning assets$300,798,5002,065
Average equity$33,115,0002,190
Average total loans$247,331,5001,848
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7555%954
Cost of funding earning assets0.3070%3,989
Net interest margin4.4485%689
Noninterest income to average assets0.6586%2,377
Noninterest expense to average assets3.2360%1,712
Loan and lease loss provision to assets0.1109%2,215
Net operating income to assets1.3397%1,120
Return on assets (ROA)1.3397%1,177
Pretax return on assets1.3397%2,144
Return on Equity (ROE)13.2493%937
Retained earnings to average equity (ytd only)5.1693%2,222
Net charge-offs to loans0.0183%3,695
Credit loss provision to net charge-offs818.1818%451
Earnings coverage of net charge-offs (x)106.9773%563
Efficiency ratio69.0471%3,064
Assets per employee ($millions)3.3703%4,943
Cash dividends to net income (ytd only)*60.9846%1,739
Condition Ratios (%)
Loss allowance to loans1.8037%940
Loan loss allowance to noncurrent loans175.8840%2,484
Noncurrent assets plus other real estate owned to assets1.0391%1,819
Noncurrent loans to loans1.0255%2,035
Net loans and leases to total assets73.7209%1,893
Net loans and leases to deposits82.0206%2,667
Net loans and leases to core deposits88.6182%2,619
Total domestic deposits to total assets89.8809%692
Equity capital to assets9.9478%3,772
Core capital (leverage) ratio9.9412%3,567
Tier 1 risk-based capital ratio13.7786%3,593
Total risk-based capital ratio15.0364%3,496
Memoranda:
Average total assets$324,472,6002,034
Average earning assets$293,810,2002,078
Average equity$32,809,4002,188
Average total loans$239,847,6001,845
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7525%982
Cost of funding earning assets0.3086%4,000
Net interest margin4.4439%709
Noninterest income to average assets0.6566%2,381
Noninterest expense to average assets3.0181%2,268
Loan and lease loss provision to assets0.1112%2,073
Net operating income to assets1.5533%793
Return on assets (ROA)1.5533%834
Pretax return on assets1.5533%1,524
Return on Equity (ROE)15.2990%635
Retained earnings to average equity (ytd only)8.2314%1,075
Net charge-offs to loans0.0190%3,329
Credit loss provision to net charge-offs794.1176%510
Earnings coverage of net charge-offs (x)118.9175%579
Efficiency ratio64.4540%3,859
Assets per employee ($millions)3.4595%4,824
Cash dividends to net income (ytd only)*46.1966%2,066
Condition Ratios (%)
Loss allowance to loans1.8060%1,005
Loan loss allowance to noncurrent loans184.3511%2,392
Noncurrent assets plus other real estate owned to assets0.7251%2,746
Noncurrent loans to loans0.9796%2,278
Net loans and leases to total assets72.6809%2,068
Net loans and leases to deposits81.5395%2,793
Net loans and leases to core deposits88.7126%2,687
Total domestic deposits to total assets89.1358%832
Equity capital to assets10.5416%3,518
Core capital (leverage) ratio10.1720%3,357
Tier 1 risk-based capital ratio14.1893%3,462
Total risk-based capital ratio15.4470%3,384
Memoranda:
Average total assets$323,861,2502,047
Average earning assets$293,396,0002,089
Average equity$32,881,5002,201
Average total loans$238,451,0001,860
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7832%915
Cost of funding earning assets0.3087%4,030
Net interest margin4.4745%649
Noninterest income to average assets0.6679%2,290
Noninterest expense to average assets2.9566%2,496
Loan and lease loss provision to assets0.1113%2,015
Net operating income to assets1.6610%628
Return on assets (ROA)1.6610%667
Pretax return on assets1.6610%1,191
Return on Equity (ROE)16.5726%477
Retained earnings to average equity (ytd only)9.3414%761
Net charge-offs to loans0.0194%3,107
Credit loss provision to net charge-offs782.6087%462
Earnings coverage of net charge-offs (x)124.6087%475
Efficiency ratio62.5213%4,263
Assets per employee ($millions)3.6270%4,554
Cash dividends to net income (ytd only)*43.6337%2,252
Condition Ratios (%)
Loss allowance to loans1.7554%1,172
Loan loss allowance to noncurrent loans227.6800%2,044
Noncurrent assets plus other real estate owned to assets0.5808%3,283
Noncurrent loans to loans0.7710%2,820
Net loans and leases to total assets74.0161%1,837
Net loans and leases to deposits83.2368%2,556
Net loans and leases to core deposits90.9076%2,445
Total domestic deposits to total assets88.9224%952
Equity capital to assets10.4181%3,721
Core capital (leverage) ratio9.9787%3,586
Tier 1 risk-based capital ratio13.7657%3,740
Total risk-based capital ratio15.0227%3,655
Memoranda:
Average total assets$323,416,0002,054
Average earning assets$293,530,3302,096
Average equity$32,415,0002,224
Average total loans$237,700,3301,869
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7684%909
Cost of funding earning assets0.3079%4,082
Net interest margin4.4605%656
Noninterest income to average assets0.6549%2,239
Noninterest expense to average assets2.8506%2,886
Loan and lease loss provision to assets0.1112%1,874
Net operating income to assets1.7558%508
Return on assets (ROA)1.7558%545
Pretax return on assets1.7558%929
Return on Equity (ROE)17.8700%366
Retained earnings to average equity (ytd only)11.2049%616
Net charge-offs to loans0.0119%2,729
Credit loss provision to net charge-offs1,285.7143%313
Earnings coverage of net charge-offs (x)215.8571%284
Efficiency ratio60.4243%4,690
Assets per employee ($millions)3.8001%4,300
Cash dividends to net income (ytd only)*37.2977%2,171
Condition Ratios (%)
Loss allowance to loans1.7880%1,176
Loan loss allowance to noncurrent loans320.3972%1,521
Noncurrent assets plus other real estate owned to assets0.4053%3,971
Noncurrent loans to loans0.5581%3,515
Net loans and leases to total assets71.3203%2,142
Net loans and leases to deposits79.5466%2,860
Net loans and leases to core deposits86.5084%2,705
Total domestic deposits to total assets89.6585%755
Equity capital to assets10.0969%3,954
Core capital (leverage) ratio9.6365%3,983
Tier 1 risk-based capital ratio13.9636%3,720
Total risk-based capital ratio15.2211%3,639
Memoranda:
Average total assets$323,722,0002,062
Average earning assets$294,856,5002,090
Average equity$31,807,5002,256
Average total loans$234,952,5001,881
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6456%1,224
Cost of funding earning assets0.3243%3,972
Net interest margin4.3213%928
Noninterest income to average assets0.6452%2,487
Noninterest expense to average assets2.7561%3,395
Loan and lease loss provision to assets0.0917%2,469
Net operating income to assets1.7526%525
Return on assets (ROA)1.7526%545
Pretax return on assets1.7526%885
Return on Equity (ROE)19.0965%300
Retained earnings to average equity (ytd only)7.6666%1,032
Net charge-offs to loans0.0711%2,826
Credit loss provision to net charge-offs184.0491%1,488
Earnings coverage of net charge-offs (x)37.0184%1,248
Efficiency ratio59.9096%4,917
Assets per employee ($millions)3.8623%4,189
Cash dividends to net income (ytd only)*59.8535%1,745
Condition Ratios (%)
Loss allowance to loans1.7468%1,248
Loan loss allowance to noncurrent loans319.1770%1,559
Noncurrent assets plus other real estate owned to assets0.3970%4,008
Noncurrent loans to loans0.5473%3,524
Net loans and leases to total assets71.2713%2,160
Net loans and leases to deposits80.1818%2,801
Net loans and leases to core deposits86.3458%2,772
Total domestic deposits to total assets88.8871%1,182
Equity capital to assets9.5554%4,490
Core capital (leverage) ratio9.5207%4,145
Tier 1 risk-based capital ratio13.4496%4,031
Total risk-based capital ratio14.7061%3,967
Memoranda:
Average total assets$327,166,2002,012
Average earning assets$299,447,6002,020
Average equity$30,026,4002,318
Average total loans$229,384,0001,862
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5929%1,347
Cost of funding earning assets0.3262%4,032
Net interest margin4.2667%1,027
Noninterest income to average assets0.6377%2,541
Noninterest expense to average assets2.7325%3,455
Loan and lease loss provision to assets0.0915%2,341
Net operating income to assets1.7231%597
Return on assets (ROA)1.7231%621
Pretax return on assets1.7231%1,048
Return on Equity (ROE)18.9680%335
Retained earnings to average equity (ytd only)9.2848%798
Net charge-offs to loans0.0281%3,382
Credit loss provision to net charge-offs468.7500%682
Earnings coverage of net charge-offs (x)92.9559%662
Efficiency ratio60.0930%4,876
Assets per employee ($millions)3.9633%3,948
Cash dividends to net income (ytd only)*51.0503%1,825
Condition Ratios (%)
Loss allowance to loans1.8086%1,247
Loan loss allowance to noncurrent loans346.4942%1,416
Noncurrent assets plus other real estate owned to assets0.3686%4,290
Noncurrent loans to loans0.5220%3,784
Net loans and leases to total assets69.3448%2,483
Net loans and leases to deposits76.9354%3,203
Net loans and leases to core deposits82.3469%3,217
Total domestic deposits to total assets90.1338%521
Equity capital to assets9.5523%4,689
Core capital (leverage) ratio9.4568%4,357
Tier 1 risk-based capital ratio13.3680%4,209
Total risk-based capital ratio14.6250%4,131
Memoranda:
Average total assets$327,849,0002,017
Average earning assets$300,397,5002,033
Average equity$29,782,7502,341
Average total loans$227,895,0001,887
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5575%1,387
Cost of funding earning assets0.3278%4,074
Net interest margin4.2297%1,048
Noninterest income to average assets0.6229%2,613
Noninterest expense to average assets2.7019%3,587
Loan and lease loss provision to assets0.0912%2,294
Net operating income to assets1.7147%614
Return on assets (ROA)1.7147%640
Pretax return on assets1.7147%1,054
Return on Equity (ROE)19.2015%314
Retained earnings to average equity (ytd only)8.4598%1,094
Net charge-offs to loans0.0343%2,981
Credit loss provision to net charge-offs384.6154%763
Earnings coverage of net charge-offs (x)76.1282%734
Efficiency ratio59.9379%4,991
Assets per employee ($millions)3.9295%4,021
Cash dividends to net income (ytd only)*55.9418%1,704
Condition Ratios (%)
Loss allowance to loans1.7874%1,395
Loan loss allowance to noncurrent loans342.3303%1,441
Noncurrent assets plus other real estate owned to assets0.3702%4,418
Noncurrent loans to loans0.5221%3,892
Net loans and leases to total assets69.6423%2,373
Net loans and leases to deposits76.8076%3,179
Net loans and leases to core deposits82.2130%3,151
Total domestic deposits to total assets90.6711%393
Equity capital to assets9.1337%5,107
Core capital (leverage) ratio9.0131%4,953
Tier 1 risk-based capital ratio13.4401%4,253
Total risk-based capital ratio14.6975%4,180
Memoranda:
Average total assets$328,802,3302,023
Average earning assets$302,004,6702,036
Average equity$29,362,3302,387
Average total loans$227,355,3301,901
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5885%1,251
Cost of funding earning assets0.3252%4,164
Net interest margin4.2633%956
Noninterest income to average assets0.5902%2,698
Noninterest expense to average assets2.6005%3,920
Loan and lease loss provision to assets0.0903%2,185
Net operating income to assets1.8151%472
Return on assets (ROA)1.8151%498
Pretax return on assets1.8151%846
Return on Equity (ROE)20.5534%246
Retained earnings to average equity (ytd only)8.1286%1,522
Net charge-offs to loans0.0529%2,248
Credit loss provision to net charge-offs250.0000%913
Earnings coverage of net charge-offs (x)52.7333%806
Efficiency ratio57.7118%5,370
Assets per employee ($millions)4.1638%3,628
Cash dividends to net income (ytd only)*60.4512%1,413
Condition Ratios (%)
Loss allowance to loans1.7969%1,505
Loan loss allowance to noncurrent loans591.8999%861
Noncurrent assets plus other real estate owned to assets0.2191%5,071
Noncurrent loans to loans0.3036%4,700
Net loans and leases to total assets65.1256%2,918
Net loans and leases to deposits71.5845%3,578
Net loans and leases to core deposits76.8241%3,515
Total domestic deposits to total assets90.9772%376
Equity capital to assets8.8298%5,471
Core capital (leverage) ratio8.6505%5,378
Tier 1 risk-based capital ratio13.3635%4,386
Total risk-based capital ratio14.6205%4,305
Memoranda:
Average total assets$332,096,0002,005
Average earning assets$305,024,0002,022
Average equity$29,328,5002,407
Average total loans$226,792,0001,897
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8219%1,068
Cost of funding earning assets0.3527%4,222
Net interest margin4.4692%794
Noninterest income to average assets0.6094%2,801
Noninterest expense to average assets2.7074%3,836
Loan and lease loss provision to assets0.0579%3,383
Net operating income to assets1.9364%366
Return on assets (ROA)1.9402%376
Pretax return on assets1.9402%578
Return on Equity (ROE)22.8221%156
Retained earnings to average equity (ytd only)9.9046%534
Net charge-offs to loans-0.0074%5,513
Credit loss provision to net charge-offs-1,125.0000%5,919
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.5843%5,507
Assets per employee ($millions)4.1383%3,652
Cash dividends to net income (ytd only)*56.6010%1,920
Condition Ratios (%)
Loss allowance to loans1.7284%1,706
Loan loss allowance to noncurrent loans408.8477%1,250
Noncurrent assets plus other real estate owned to assets0.2973%4,844
Noncurrent loans to loans0.4228%4,371
Net loans and leases to total assets69.1119%2,379
Net loans and leases to deposits76.0143%3,198
Net loans and leases to core deposits81.6219%3,142
Total domestic deposits to total assets90.9196%398
Equity capital to assets8.8329%5,449
Core capital (leverage) ratio8.8329%5,208
Tier 1 risk-based capital ratio12.6436%4,948
Total risk-based capital ratio13.9000%4,858
Memoranda:
Average total assets$311,147,0002,087
Average earning assets$284,908,6002,092
Average equity$26,452,4002,528
Average total loans$216,901,0001,921
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8406%1,032
Cost of funding earning assets0.3587%4,245
Net interest margin4.4819%770
Noninterest income to average assets0.5916%2,919
Noninterest expense to average assets2.7156%3,766
Loan and lease loss provision to assets0.0456%3,478
Net operating income to assets1.9305%398
Return on assets (ROA)1.9357%398
Pretax return on assets1.9357%653
Return on Equity (ROE)23.0073%154
Retained earnings to average equity (ytd only)12.8655%336
Net charge-offs to loans-0.0162%5,554
Credit loss provision to net charge-offs-403.8462%5,708
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.8816%5,465
Assets per employee ($millions)3.8721%4,142
Cash dividends to net income (ytd only)*44.0807%2,146
Condition Ratios (%)
Loss allowance to loans1.6856%2,017
Loan loss allowance to noncurrent loans379.7862%1,251
Noncurrent assets plus other real estate owned to assets0.3281%4,957
Noncurrent loans to loans0.4438%4,570
Net loans and leases to total assets72.6750%1,732
Net loans and leases to deposits80.0396%2,682
Net loans and leases to core deposits86.4562%2,618
Total domestic deposits to total assets90.7988%418
Equity capital to assets8.9328%5,428
Core capital (leverage) ratio9.1315%4,882
Tier 1 risk-based capital ratio12.6196%5,089
Total risk-based capital ratio13.8757%5,006
Memoranda:
Average total assets$307,202,5002,128
Average earning assets$281,034,2502,133
Average equity$25,846,2502,595
Average total loans$213,646,7501,959
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7589%1,160
Cost of funding earning assets0.3689%4,227
Net interest margin4.3901%864
Noninterest income to average assets0.5684%2,998
Noninterest expense to average assets2.7615%3,654
Loan and lease loss provision to assets0.0393%3,520
Net operating income to assets1.7859%501
Return on assets (ROA)1.7439%567
Pretax return on assets1.7439%940
Return on Equity (ROE)21.1761%235
Retained earnings to average equity (ytd only)10.5084%614
Net charge-offs to loans-0.0183%5,510
Credit loss provision to net charge-offs-315.7895%5,478
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.2058%5,267
Assets per employee ($millions)4.0893%3,666
Cash dividends to net income (ytd only)*50.3759%1,915
Condition Ratios (%)
Loss allowance to loans1.7690%1,926
Loan loss allowance to noncurrent loans264.7220%1,682
Noncurrent assets plus other real estate owned to assets0.4688%4,594
Noncurrent loans to loans0.6682%4,039
Net loans and leases to total assets68.9145%2,254
Net loans and leases to deposits75.7762%3,084
Net loans and leases to core deposits82.1561%2,959
Total domestic deposits to total assets90.9449%429
Equity capital to assets8.6748%5,639
Core capital (leverage) ratio8.7991%5,274
Tier 1 risk-based capital ratio12.6001%5,154
Total risk-based capital ratio13.8564%5,085
Memoranda:
Average total assets$305,055,6702,139
Average earning assets$279,222,3302,145
Average equity$25,122,6702,648
Average total loans$207,579,6701,995
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6898%1,276
Cost of funding earning assets0.3751%4,254
Net interest margin4.3148%972
Noninterest income to average assets0.5334%3,165
Noninterest expense to average assets2.7678%3,687
Loan and lease loss provision to assets0.0397%3,283
Net operating income to assets1.6850%589
Return on assets (ROA)1.6850%606
Pretax return on assets1.6850%1,005
Return on Equity (ROE)21.0378%244
Retained earnings to average equity (ytd only)7.9326%1,618
Net charge-offs to loans-0.0158%5,233
Credit loss provision to net charge-offs-375.0000%5,109
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6087%5,187
Assets per employee ($millions)4.3083%3,323
Cash dividends to net income (ytd only)*62.2938%1,353
Condition Ratios (%)
Loss allowance to loans1.8724%1,833
Loan loss allowance to noncurrent loans311.4286%1,437
Noncurrent assets plus other real estate owned to assets0.3949%4,958
Noncurrent loans to loans0.6012%4,353
Net loans and leases to total assets64.4533%2,819
Net loans and leases to deposits70.3134%3,559
Net loans and leases to core deposits76.4414%3,365
Total domestic deposits to total assets91.6657%340
Equity capital to assets8.0467%6,023
Core capital (leverage) ratio8.7428%5,333
Tier 1 risk-based capital ratio12.7696%5,146
Total risk-based capital ratio14.0268%5,078
Memoranda:
Average total assets$302,191,0002,164
Average earning assets$277,280,0002,168
Average equity$24,204,0002,734
Average total loans$202,353,0002,030
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7935%1,330
Cost of funding earning assets0.4389%4,229
Net interest margin4.3546%988
Noninterest income to average assets0.5630%3,311
Noninterest expense to average assets2.5206%4,702
Loan and lease loss provision to assets0.0363%4,395
Net operating income to assets1.9873%347
Return on assets (ROA)1.9980%343
Pretax return on assets1.9980%483
Return on Equity (ROE)23.7514%156
Retained earnings to average equity (ytd only)9.5195%661
Net charge-offs to loans-0.0318%6,240
Credit loss provision to net charge-offs-175.0000%5,973
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.4685%6,000
Assets per employee ($millions)4.2026%3,439
Cash dividends to net income (ytd only)*59.9204%1,764
Condition Ratios (%)
Loss allowance to loans1.8795%1,832
Loan loss allowance to noncurrent loans290.7621%1,535
Noncurrent assets plus other real estate owned to assets0.4518%4,886
Noncurrent loans to loans0.6464%4,360
Net loans and leases to total assets67.0265%2,515
Net loans and leases to deposits73.0599%3,390
Net loans and leases to core deposits80.0676%3,125
Total domestic deposits to total assets91.7418%346
Equity capital to assets7.9702%6,040
Core capital (leverage) ratio8.8036%5,270
Tier 1 risk-based capital ratio12.8219%5,106
Total risk-based capital ratio14.0794%5,044
Memoranda:
Average total assets$289,336,6002,215
Average earning assets$264,523,6002,225
Average equity$24,339,6002,701
Average total loans$188,433,0002,116
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7598%1,451
Cost of funding earning assets0.4530%4,245
Net interest margin4.3068%1,080
Noninterest income to average assets0.5585%3,402
Noninterest expense to average assets2.5100%4,689
Loan and lease loss provision to assets0.0347%4,323
Net operating income to assets1.9468%404
Return on assets (ROA)1.9565%408
Pretax return on assets1.9565%640
Return on Equity (ROE)22.9502%170
Retained earnings to average equity (ytd only)11.8062%448
Net charge-offs to loans-0.0353%6,204
Credit loss provision to net charge-offs-153.0612%5,846
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.8830%5,914
Assets per employee ($millions)4.1238%3,593
Cash dividends to net income (ytd only)*48.5572%1,938
Condition Ratios (%)
Loss allowance to loans1.9241%1,928
Loan loss allowance to noncurrent loans1,675.7848%307
Noncurrent assets plus other real estate owned to assets0.0889%6,177
Noncurrent loans to loans0.1148%5,987
Net loans and leases to total assets66.9442%2,471
Net loans and leases to deposits73.5443%3,306
Net loans and leases to core deposits80.3480%3,087
Total domestic deposits to total assets91.0256%521
Equity capital to assets8.5600%5,672
Core capital (leverage) ratio9.0458%5,057
Tier 1 risk-based capital ratio13.3212%4,891
Total risk-based capital ratio14.5798%4,823
Memoranda:
Average total assets$288,125,2502,229
Average earning assets$263,113,5002,236
Average equity$24,562,7502,703
Average total loans$185,302,0002,152
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6356%1,738
Cost of funding earning assets0.4699%4,206
Net interest margin4.1657%1,361
Noninterest income to average assets0.5558%3,463
Noninterest expense to average assets2.4416%4,923
Loan and lease loss provision to assets0.0518%3,950
Net operating income to assets1.8561%464
Return on assets (ROA)1.8561%497
Pretax return on assets1.8561%812
Return on Equity (ROE)21.8015%213
Retained earnings to average equity (ytd only)9.6381%929
Net charge-offs to loans-0.0428%6,213
Credit loss provision to net charge-offs-192.3077%5,726
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.1348%5,952
Assets per employee ($millions)3.9781%3,855
Cash dividends to net income (ytd only)*55.7914%1,638
Condition Ratios (%)
Loss allowance to loans1.9768%1,903
Loan loss allowance to noncurrent loans7,167.3077%104
Noncurrent assets plus other real estate owned to assets0.0286%6,447
Noncurrent loans to loans0.0276%6,328
Net loans and leases to total assets64.5226%2,836
Net loans and leases to deposits70.2934%3,681
Net loans and leases to core deposits76.6505%3,468
Total domestic deposits to total assets91.7905%298
Equity capital to assets8.0279%6,179
Core capital (leverage) ratio8.5187%5,650
Tier 1 risk-based capital ratio12.9609%5,168
Total risk-based capital ratio14.2195%5,101
Memoranda:
Average total assets$289,319,3302,227
Average earning assets$263,483,3302,237
Average equity$24,631,3302,704
Average total loans$182,328,6702,175
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5144%2,115
Cost of funding earning assets0.5021%4,063
Net interest margin4.0123%1,740
Noninterest income to average assets0.5489%3,448
Noninterest expense to average assets2.4294%5,020
Loan and lease loss provision to assets0.1032%2,957
Net operating income to assets1.6549%642
Return on assets (ROA)1.6549%706
Pretax return on assets1.6549%1,180
Return on Equity (ROE)18.9077%363
Retained earnings to average equity (ytd only)3.4578%4,176
Net charge-offs to loans-0.1294%6,550
Credit loss provision to net charge-offs-129.3103%5,180
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.0158%5,848
Assets per employee ($millions)4.2454%3,443
Cash dividends to net income (ytd only)*81.7124%869
Condition Ratios (%)
Loss allowance to loans2.0662%1,876
Loan loss allowance to noncurrent loans3,374.7748%173
Noncurrent assets plus other real estate owned to assets0.0374%6,494
Noncurrent loans to loans0.0612%6,294
Net loans and leases to total assets59.7476%3,476
Net loans and leases to deposits65.3972%4,135
Net loans and leases to core deposits71.5816%3,871
Total domestic deposits to total assets91.3610%392
Equity capital to assets8.5124%6,009
Core capital (leverage) ratio8.1305%6,016
Tier 1 risk-based capital ratio12.8022%5,369
Total risk-based capital ratio14.0614%5,310
Memoranda:
Average total assets$290,766,5002,246
Average earning assets$263,688,0002,267
Average equity$25,450,0002,668
Average total loans$179,225,0002,221
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0277%1,483
Cost of funding earning assets0.6109%4,241
Net interest margin4.4168%1,128
Noninterest income to average assets0.6142%3,205
Noninterest expense to average assets2.5858%4,788
Loan and lease loss provision to assets0.2723%2,468
Net operating income to assets1.7375%570
Return on assets (ROA)1.7379%633
Pretax return on assets1.7379%1,049
Return on Equity (ROE)18.4741%404
Retained earnings to average equity (ytd only)6.8429%1,647
Net charge-offs to loans0.0724%4,960
Credit loss provision to net charge-offs595.0413%416
Earnings coverage of net charge-offs (x)43.9174%738
Efficiency ratio56.2670%6,031
Assets per employee ($millions)4.1817%3,589
Cash dividends to net income (ytd only)*62.9597%1,654
Condition Ratios (%)
Loss allowance to loans2.0395%1,917
Loan loss allowance to noncurrent loans1,720.4762%307
Noncurrent assets plus other real estate owned to assets0.0739%6,423
Noncurrent loans to loans0.1185%6,180
Net loans and leases to total assets61.0274%3,416
Net loans and leases to deposits67.1986%4,104
Net loans and leases to core deposits73.8780%3,797
Total domestic deposits to total assets90.8164%557
Equity capital to assets9.0039%5,518
Core capital (leverage) ratio8.4063%5,750
Tier 1 risk-based capital ratio12.9425%5,149
Total risk-based capital ratio14.2017%5,082
Memoranda:
Average total assets$264,406,0002,394
Average earning assets$238,338,4002,431
Average equity$24,872,6002,671
Average total loans$167,014,0002,340
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1162%1,395
Cost of funding earning assets0.6246%4,414
Net interest margin4.4916%1,008
Noninterest income to average assets0.6090%3,216
Noninterest expense to average assets2.5636%4,867
Loan and lease loss provision to assets0.2930%2,242
Net operating income to assets1.7922%575
Return on assets (ROA)1.7927%646
Pretax return on assets1.7927%1,066
Return on Equity (ROE)18.8358%410
Retained earnings to average equity (ytd only)8.3486%1,465
Net charge-offs to loans0.1167%4,213
Credit loss provision to net charge-offs395.8333%680
Earnings coverage of net charge-offs (x)28.1729%1,158
Efficiency ratio55.1465%6,142
Assets per employee ($millions)3.8180%4,260
Cash dividends to net income (ytd only)*55.6766%1,441
Condition Ratios (%)
Loss allowance to loans2.0262%2,095
Loan loss allowance to noncurrent loans2,136.6460%244
Noncurrent assets plus other real estate owned to assets0.0741%6,553
Noncurrent loans to loans0.0948%6,379
Net loans and leases to total assets61.3592%3,502
Net loans and leases to deposits68.0016%4,179
Net loans and leases to core deposits74.9199%3,858
Total domestic deposits to total assets90.2320%709
Equity capital to assets9.5577%5,129
Core capital (leverage) ratio8.8137%5,325
Tier 1 risk-based capital ratio13.3528%4,985
Total risk-based capital ratio14.6116%4,940
Memoranda:
Average total assets$259,418,5002,468
Average earning assets$233,316,2502,496
Average equity$24,690,0002,713
Average total loans$164,480,5002,395
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1839%1,299
Cost of funding earning assets0.6345%4,583
Net interest margin4.5494%907
Noninterest income to average assets0.6261%3,094
Noninterest expense to average assets2.5406%4,997
Loan and lease loss provision to assets0.3287%2,004
Net operating income to assets1.8424%523
Return on assets (ROA)1.8432%589
Pretax return on assets1.8432%954
Return on Equity (ROE)19.3958%391
Retained earnings to average equity (ytd only)7.2559%1,980
Net charge-offs to loans0.1831%3,493
Credit loss provision to net charge-offs281.8792%1,043
Earnings coverage of net charge-offs (x)18.6174%1,475
Efficiency ratio53.9203%6,322
Assets per employee ($millions)3.9077%4,059
Cash dividends to net income (ytd only)*62.5902%1,278
Condition Ratios (%)
Loss allowance to loans1.9602%2,341
Loan loss allowance to noncurrent loans1,693.2990%278
Noncurrent assets plus other real estate owned to assets0.0741%6,626
Noncurrent loans to loans0.1158%6,371
Net loans and leases to total assets62.7558%3,277
Net loans and leases to deposits69.5340%3,964
Net loans and leases to core deposits75.8630%3,780
Total domestic deposits to total assets90.2519%793
Equity capital to assets9.5720%4,948
Core capital (leverage) ratio8.7728%5,265
Tier 1 risk-based capital ratio13.1630%5,068
Total risk-based capital ratio14.4211%5,037
Memoranda:
Average total assets$255,531,6702,494
Average earning assets$229,481,6702,528
Average equity$24,283,6702,739
Average total loans$162,716,6702,432
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1738%1,371
Cost of funding earning assets0.6540%4,690
Net interest margin4.5198%975
Noninterest income to average assets0.6387%2,997
Noninterest expense to average assets2.5247%5,072
Loan and lease loss provision to assets0.3328%1,877
Net operating income to assets1.8448%546
Return on assets (ROA)1.8448%618
Pretax return on assets1.8448%986
Return on Equity (ROE)19.4852%409
Retained earnings to average equity (ytd only)2.7788%4,868
Net charge-offs to loans-0.0025%5,732
Credit loss provision to net charge-offs-21,000.0000%6,263
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.6906%6,380
Assets per employee ($millions)4.0392%3,923
Cash dividends to net income (ytd only)*85.7388%712
Condition Ratios (%)
Loss allowance to loans1.9972%2,363
Loan loss allowance to noncurrent loans336.2878%986
Noncurrent assets plus other real estate owned to assets0.3710%5,952
Noncurrent loans to loans0.5939%5,472
Net loans and leases to total assets61.2171%3,407
Net loans and leases to deposits67.5302%4,145
Net loans and leases to core deposits73.3322%3,979
Total domestic deposits to total assets90.6515%712
Equity capital to assets9.2356%5,180
Core capital (leverage) ratio8.7034%5,290
Tier 1 risk-based capital ratio13.1373%5,103
Total risk-based capital ratio14.3955%5,071
Memoranda:
Average total assets$252,390,0002,541
Average earning assets$226,912,5002,573
Average equity$23,895,0002,772
Average total loans$160,280,5002,479
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3921%1,437
Cost of funding earning assets0.7688%5,068
Net interest margin4.6233%877
Noninterest income to average assets0.6513%2,877
Noninterest expense to average assets2.5826%5,161
Loan and lease loss provision to assets0.2955%3,302
Net operating income to assets1.9883%315
Return on assets (ROA)1.9883%336
Pretax return on assets1.9883%544
Return on Equity (ROE)21.8694%187
Retained earnings to average equity (ytd only)8.8110%855
Net charge-offs to loans0.1124%5,251
Credit loss provision to net charge-offs421.0526%545
Earnings coverage of net charge-offs (x)32.5439%790
Efficiency ratio53.0697%6,606
Assets per employee ($millions)3.7888%4,347
Cash dividends to net income (ytd only)*59.7110%1,582
Condition Ratios (%)
Loss allowance to loans1.8946%2,583
Loan loss allowance to noncurrent loans382.4873%870
Noncurrent assets plus other real estate owned to assets0.3403%6,125
Noncurrent loans to loans0.4953%5,719
Net loans and leases to total assets63.3734%3,317
Net loans and leases to deposits70.3029%4,047
Net loans and leases to core deposits75.8228%4,006
Total domestic deposits to total assets90.1433%917
Equity capital to assets9.7109%4,580
Core capital (leverage) ratio8.8037%5,095
Tier 1 risk-based capital ratio13.3842%4,783
Total risk-based capital ratio14.6416%4,749
Memoranda:
Average total assets$243,672,0002,594
Average earning assets$222,158,6002,587
Average equity$22,154,2002,875
Average total loans$152,141,8002,613
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3639%1,635
Cost of funding earning assets0.7921%5,194
Net interest margin4.5718%1,002
Noninterest income to average assets0.6463%2,906
Noninterest expense to average assets2.5780%5,160
Loan and lease loss provision to assets0.2798%3,281
Net operating income to assets1.9778%354
Return on assets (ROA)1.9778%387
Pretax return on assets1.9778%652
Return on Equity (ROE)22.1357%212
Retained earnings to average equity (ytd only)10.9911%634
Net charge-offs to loans0.1019%4,973
Credit loss provision to net charge-offs443.4783%629
Earnings coverage of net charge-offs (x)35.7825%831
Efficiency ratio53.3129%6,565
Assets per employee ($millions)3.8536%4,185
Cash dividends to net income (ytd only)*50.3467%1,578
Condition Ratios (%)
Loss allowance to loans1.8306%2,831
Loan loss allowance to noncurrent loans364.4586%878
Noncurrent assets plus other real estate owned to assets0.3334%6,235
Noncurrent loans to loans0.5023%5,839
Net loans and leases to total assets61.2524%3,892
Net loans and leases to deposits67.9643%4,615
Net loans and leases to core deposits72.5613%4,643
Total domestic deposits to total assets90.1244%800
Equity capital to assets9.6098%4,920
Core capital (leverage) ratio8.9041%5,090
Tier 1 risk-based capital ratio13.4151%4,796
Total risk-based capital ratio14.6712%4,765
Memoranda:
Average total assets$243,022,7502,606
Average earning assets$222,693,2502,596
Average equity$21,714,0002,913
Average total loans$150,406,5002,650
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3639%1,676
Cost of funding earning assets0.8296%5,194
Net interest margin4.5343%1,047
Noninterest income to average assets0.6527%2,815
Noninterest expense to average assets2.6399%5,038
Loan and lease loss provision to assets0.2494%3,414
Net operating income to assets1.9398%377
Return on assets (ROA)1.9365%397
Pretax return on assets1.9365%658
Return on Equity (ROE)22.2569%226
Retained earnings to average equity (ytd only)9.6807%921
Net charge-offs to loans0.1536%4,260
Credit loss provision to net charge-offs263.1579%1,157
Earnings coverage of net charge-offs (x)23.0965%1,099
Efficiency ratio54.6660%6,549
Assets per employee ($millions)3.7454%4,328
Cash dividends to net income (ytd only)*56.5049%1,467
Condition Ratios (%)
Loss allowance to loans1.7358%3,204
Loan loss allowance to noncurrent loans363.2877%882
Noncurrent assets plus other real estate owned to assets0.3204%6,329
Noncurrent loans to loans0.4778%5,951
Net loans and leases to total assets61.6664%3,956
Net loans and leases to deposits68.1718%4,680
Net loans and leases to core deposits72.8003%4,735
Total domestic deposits to total assets90.4573%732
Equity capital to assets9.3070%5,128
Core capital (leverage) ratio8.5903%5,417
Tier 1 risk-based capital ratio13.2342%4,740
Total risk-based capital ratio14.4896%4,716
Memoranda:
Average total assets$240,535,3302,653
Average earning assets$221,556,6702,634
Average equity$20,928,3303,012
Average total loans$148,445,6702,707
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2920%1,890
Cost of funding earning assets0.8823%5,048
Net interest margin4.4097%1,255
Noninterest income to average assets0.6341%2,935
Noninterest expense to average assets2.6418%5,077
Loan and lease loss provision to assets0.2510%3,146
Net operating income to assets1.8136%480
Return on assets (ROA)1.8019%511
Pretax return on assets1.8019%815
Return on Equity (ROE)21.4718%269
Retained earnings to average equity (ytd only)4.7250%3,367
Net charge-offs to loans0.0547%4,387
Credit loss provision to net charge-offs750.0000%500
Earnings coverage of net charge-offs (x)61.7000%481
Efficiency ratio56.1322%6,489
Assets per employee ($millions)3.7922%4,316
Cash dividends to net income (ytd only)*77.9944%871
Condition Ratios (%)
Loss allowance to loans1.7477%3,182
Loan loss allowance to noncurrent loans360.0555%867
Noncurrent assets plus other real estate owned to assets0.2925%6,465
Noncurrent loans to loans0.4854%6,043
Net loans and leases to total assets59.2061%4,427
Net loans and leases to deposits64.7945%5,153
Net loans and leases to core deposits69.1672%5,148
Total domestic deposits to total assets91.3751%455
Equity capital to assets8.2091%6,271
Core capital (leverage) ratio8.3171%5,782
Tier 1 risk-based capital ratio12.9625%4,854
Total risk-based capital ratio14.2174%4,837
Memoranda:
Average total assets$239,077,0002,677
Average earning assets$220,787,5002,652
Average equity$20,063,5003,101
Average total loans$146,278,5002,768
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7544%1,390
Cost of funding earning assets1.1469%4,871
Net interest margin4.6075%996
Noninterest income to average assets0.6944%2,871
Noninterest expense to average assets2.7124%4,937
Loan and lease loss provision to assets0.2743%4,610
Net operating income to assets1.9215%323
Return on assets (ROA)1.9215%344
Pretax return on assets1.9229%582
Return on Equity (ROE)21.1480%197
Retained earnings to average equity (ytd only)11.6130%312
Net charge-offs to loans0.2777%4,636
Credit loss provision to net charge-offs151.5152%2,378
Earnings coverage of net charge-offs (x)12.1364%1,537
Efficiency ratio55.2472%6,686
Assets per employee ($millions)3.6771%4,514
Cash dividends to net income (ytd only)*45.0868%2,340
Condition Ratios (%)
Loss allowance to loans1.7116%3,174
Loan loss allowance to noncurrent loans343.7936%902
Noncurrent assets plus other real estate owned to assets0.3095%6,472
Noncurrent loans to loans0.4978%6,045
Net loans and leases to total assets61.1053%4,468
Net loans and leases to deposits67.1292%5,228
Net loans and leases to core deposits71.2260%5,304
Total domestic deposits to total assets91.0265%591
Equity capital to assets8.5868%5,740
Core capital (leverage) ratio8.6886%5,039
Tier 1 risk-based capital ratio13.2815%4,388
Total risk-based capital ratio14.5361%4,342
Memoranda:
Average total assets$218,737,2002,885
Average earning assets$200,108,8002,878
Average equity$19,874,2003,163
Average total loans$142,619,4002,891
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8627%1,224
Cost of funding earning assets1.1904%4,916
Net interest margin4.6723%904
Noninterest income to average assets0.6948%2,848
Noninterest expense to average assets2.7104%4,837
Loan and lease loss provision to assets0.2784%4,352
Net operating income to assets1.9705%352
Return on assets (ROA)1.9705%380
Pretax return on assets1.9724%656
Return on Equity (ROE)21.3720%231
Retained earnings to average equity (ytd only)11.9576%466
Net charge-offs to loans0.0928%5,600
Credit loss provision to net charge-offs454.5455%660
Earnings coverage of net charge-offs (x)36.7466%742
Efficiency ratio54.6327%6,726
Assets per employee ($millions)3.4729%5,050
Cash dividends to net income (ytd only)*44.0502%1,895
Condition Ratios (%)
Loss allowance to loans1.7527%2,968
Loan loss allowance to noncurrent loans309.1124%950
Noncurrent assets plus other real estate owned to assets0.3986%6,421
Noncurrent loans to loans0.5670%6,070
Net loans and leases to total assets65.8723%3,721
Net loans and leases to deposits73.4721%4,596
Net loans and leases to core deposits77.3407%4,881
Total domestic deposits to total assets89.6562%1,046
Equity capital to assets9.4449%4,928
Core capital (leverage) ratio8.7977%5,016
Tier 1 risk-based capital ratio12.7001%4,813
Total risk-based capital ratio13.9557%4,789
Memoranda:
Average total assets$215,506,7502,972
Average earning assets$196,787,0002,966
Average equity$19,869,7503,202
Average total loans$142,269,0002,935
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8839%1,224
Cost of funding earning assets1.2373%4,912
Net interest margin4.6466%901
Noninterest income to average assets0.6884%2,771
Noninterest expense to average assets2.7057%4,881
Loan and lease loss provision to assets0.2814%4,156
Net operating income to assets1.9310%372
Return on assets (ROA)1.9310%413
Pretax return on assets1.9348%693
Return on Equity (ROE)21.1230%250
Retained earnings to average equity (ytd only)11.7669%522
Net charge-offs to loans0.1443%4,785
Credit loss provision to net charge-offs297.0297%1,251
Earnings coverage of net charge-offs (x)23.3960%1,106
Efficiency ratio54.9733%6,767
Assets per employee ($millions)3.4390%5,075
Cash dividends to net income (ytd only)*44.2933%1,896
Condition Ratios (%)
Loss allowance to loans1.6869%3,132
Loan loss allowance to noncurrent loans781.2698%434
Noncurrent assets plus other real estate owned to assets0.1477%7,021
Noncurrent loans to loans0.2159%6,816
Net loans and leases to total assets67.2698%3,559
Net loans and leases to deposits75.5303%4,420
Net loans and leases to core deposits80.1314%4,678
Total domestic deposits to total assets89.0634%1,397
Equity capital to assets9.6647%4,444
Core capital (leverage) ratio8.8126%4,893
Tier 1 risk-based capital ratio12.5390%4,825
Total risk-based capital ratio13.7938%4,796
Memoranda:
Average total assets$213,253,0003,019
Average earning assets$194,292,0003,015
Average equity$19,495,3303,242
Average total loans$140,017,0003,012
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7682%1,563
Cost of funding earning assets1.2575%5,076
Net interest margin4.5106%1,117
Noninterest income to average assets0.6527%2,916
Noninterest expense to average assets2.6764%5,019
Loan and lease loss provision to assets0.2813%3,780
Net operating income to assets1.7912%508
Return on assets (ROA)1.7912%555
Pretax return on assets1.7987%877
Return on Equity (ROE)20.1695%374
Retained earnings to average equity (ytd only)10.9612%929
Net charge-offs to loans0.2568%3,397
Credit loss provision to net charge-offs170.4545%2,134
Earnings coverage of net charge-offs (x)12.6023%1,554
Efficiency ratio56.2697%6,733
Assets per employee ($millions)3.4169%5,238
Cash dividends to net income (ytd only)*45.6545%1,593
Condition Ratios (%)
Loss allowance to loans1.6816%3,131
Loan loss allowance to noncurrent loans582.4561%555
Noncurrent assets plus other real estate owned to assets0.1854%7,010
Noncurrent loans to loans0.2887%6,750
Net loans and leases to total assets63.1216%4,508
Net loans and leases to deposits70.1389%5,325
Net loans and leases to core deposits73.7061%5,522
Total domestic deposits to total assets89.9951%988
Equity capital to assets9.0415%5,217
Core capital (leverage) ratio8.6495%5,114
Tier 1 risk-based capital ratio12.5017%4,751
Total risk-based capital ratio13.7561%4,694
Memoranda:
Average total assets$213,270,0003,067
Average earning assets$194,030,0003,075
Average equity$18,939,5003,330
Average total loans$137,079,0003,128
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9380%2,093
Cost of funding earning assets1.6841%4,594
Net interest margin4.2538%1,878
Noninterest income to average assets0.8061%2,378
Noninterest expense to average assets2.8996%4,531
Loan and lease loss provision to assets0.3004%5,029
Net operating income to assets1.0460%1,682
Return on assets (ROA)1.0460%1,725
Pretax return on assets1.4761%1,247
Return on Equity (ROE)13.1293%934
Retained earnings to average equity (ytd only)13.1293%148
Net charge-offs to loans0.0500%6,601
Credit loss provision to net charge-offs923.0769%319
Earnings coverage of net charge-offs (x)54.5846%483
Efficiency ratio62.0088%6,156
Assets per employee ($millions)3.3536%5,363
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.6630%3,033
Loan loss allowance to noncurrent loans816.2455%423
Noncurrent assets plus other real estate owned to assets0.4733%6,271
Noncurrent loans to loans0.2037%6,914
Net loans and leases to total assets63.2798%4,757
Net loans and leases to deposits70.7695%5,498
Net loans and leases to core deposits97.5840%4,270
Total domestic deposits to total assets89.4167%1,259
Equity capital to assets8.7166%5,563
Core capital (leverage) ratio8.3942%5,452
Tier 1 risk-based capital ratio12.1707%4,799
Total risk-based capital ratio13.4242%4,761
Memoranda:
Average total assets$199,717,6003,184
Average earning assets$181,695,6003,198
Average equity$15,911,0003,881
Average total loans$130,083,4003,269
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9628%2,182
Cost of funding earning assets1.7710%4,520
Net interest margin4.1918%2,092
Noninterest income to average assets0.8163%2,353
Noninterest expense to average assets2.9155%4,383
Loan and lease loss provision to assets0.3048%4,535
Net operating income to assets1.0120%2,013
Return on assets (ROA)1.0120%2,077
Pretax return on assets1.4103%1,668
Return on Equity (ROE)13.0323%1,110
Retained earnings to average equity (ytd only)13.0323%259
Net charge-offs to loans0.0643%6,052
Credit loss provision to net charge-offs725.8065%518
Earnings coverage of net charge-offs (x)40.8410%736
Efficiency ratio62.9608%5,934
Assets per employee ($millions)3.4467%5,058
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.5795%3,076
Loan loss allowance to noncurrent loans5,156.0976%79
Noncurrent assets plus other real estate owned to assets0.3848%6,498
Noncurrent loans to loans0.0306%7,440
Net loans and leases to total assets62.6505%5,127
Net loans and leases to deposits70.1152%5,902
Net loans and leases to core deposits99.4196%4,438
Total domestic deposits to total assets89.3536%1,037
Equity capital to assets8.5256%6,221
Core capital (leverage) ratio8.2994%5,835
Tier 1 risk-based capital ratio12.0075%4,970
Total risk-based capital ratio13.2605%4,904
Memoranda:
Average total assets$196,828,0003,234
Average earning assets$179,107,0003,247
Average equity$15,284,7504,050
Average total loans$128,615,2503,328
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0415%2,011
Cost of funding earning assets1.8717%4,412
Net interest margin4.1698%2,096
Noninterest income to average assets0.8245%2,293
Noninterest expense to average assets2.9945%4,104
Loan and lease loss provision to assets0.3119%4,076
Net operating income to assets0.9649%2,224
Return on assets (ROA)0.9649%2,329
Pretax return on assets1.3101%1,994
Return on Equity (ROE)12.8847%1,204
Retained earnings to average equity (ytd only)12.8847%343
Net charge-offs to loans0.0520%5,764
Credit loss provision to net charge-offs909.0909%530
Earnings coverage of net charge-offs (x)47.2727%717
Efficiency ratio64.8649%5,748
Assets per employee ($millions)3.1716%5,656
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.5289%3,040
Loan loss allowance to noncurrent loans761.0687%449
Noncurrent assets plus other real estate owned to assets0.4345%6,367
Noncurrent loans to loans0.2009%7,014
Net loans and leases to total assets63.2688%5,128
Net loans and leases to deposits70.4069%5,936
Net loans and leases to core deposits98.6754%4,629
Total domestic deposits to total assets89.8617%885
Equity capital to assets8.2273%6,450
Core capital (leverage) ratio8.2434%5,898
Tier 1 risk-based capital ratio11.9981%4,918
Total risk-based capital ratio13.2132%4,869
Memoranda:
Average total assets$192,354,3303,317
Average earning assets$174,923,0003,330
Average equity$14,404,6704,214
Average total loans$126,875,0003,405
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1237%1,854
Cost of funding earning assets2.0122%4,071
Net interest margin4.1114%2,235
Noninterest income to average assets0.7998%2,325
Noninterest expense to average assets2.7866%4,609
Loan and lease loss provision to assets0.3208%3,409
Net operating income to assets0.9688%2,448
Return on assets (ROA)0.9688%2,574
Pretax return on assets1.4328%1,871
Return on Equity (ROE)13.6683%1,234
Retained earnings to average equity (ytd only)13.6683%545
Net charge-offs to loans0.1471%3,791
Credit loss provision to net charge-offs326.0870%1,519
Earnings coverage of net charge-offs (x)17.8261%1,492
Efficiency ratio61.3754%6,180
Assets per employee ($millions)3.2282%5,524
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.4408%3,287
Loan loss allowance to noncurrent loans241.1067%1,395
Noncurrent assets plus other real estate owned to assets0.4151%6,257
Noncurrent loans to loans0.5976%5,900
Net loans and leases to total assets64.6303%4,879
Net loans and leases to deposits70.9649%5,873
Net loans and leases to core deposits96.2577%4,937
Total domestic deposits to total assets91.0735%392
Equity capital to assets7.0033%7,680
Core capital (leverage) ratio6.9192%7,683
Tier 1 risk-based capital ratio9.8627%7,070
Total risk-based capital ratio11.1141%6,969
Memoranda:
Average total assets$187,040,0003,397
Average earning assets$170,159,5003,423
Average equity$13,257,0004,520
Average total loans$125,103,0003,456
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8043%1,661
Cost of funding earning assets2.4808%4,312
Net interest margin4.3236%1,906
Noninterest income to average assets0.8144%2,432
Noninterest expense to average assets3.0110%4,047
Loan and lease loss provision to assets0.2236%4,654
Net operating income to assets1.0494%2,351
Return on assets (ROA)1.0498%2,245
Pretax return on assets1.5170%1,630
Return on Equity (ROE)14.3573%1,039
Retained earnings to average equity (ytd only)14.3573%111
Net charge-offs to loans0.0285%6,423
Credit loss provision to net charge-offs1,161.2903%390
Earnings coverage of net charge-offs (x)90.3548%468
Efficiency ratio63.3760%5,695
Assets per employee ($millions)3.0064%6,047
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.4011%3,192
Loan loss allowance to noncurrent loans212.8237%1,839
Noncurrent assets plus other real estate owned to assets0.4862%5,751
Noncurrent loans to loans0.6583%5,387
Net loans and leases to total assets67.3362%4,581
Net loans and leases to deposits75.1886%5,704
Net loans and leases to core deposits102.2312%4,585
Total domestic deposits to total assets89.5563%827
Equity capital to assets7.1785%7,638
Core capital (leverage) ratio7.2577%7,463
Tier 1 risk-based capital ratio9.8549%6,896
Total risk-based capital ratio11.1058%6,777
Memoranda:
Average total assets$160,976,4003,705
Average earning assets$146,568,4003,715
Average equity$11,771,0004,900
Average total loans$108,669,8003,712