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Community West Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5046%602
Cost of funding earning assets0.3604%1,854
Net interest margin4.1442%544
Noninterest income to average assets0.3412%3,372
Noninterest expense to average assets2.5775%1,929
Loan and lease loss provision to assets-0.0169%4,206
Net operating income to assets1.2333%1,798
Return on assets (ROA)1.2407%1,832
Pretax return on assets1.7529%1,018
Return on Equity (ROE)14.0073%1,183
Retained earnings to average equity (ytd only)12.3185%497
Net charge-offs to loans-0.0442%4,271
Credit loss provision to net charge-offs46.2916%2,156
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.8836%3,169
Assets per employee ($millions)9.2554%848
Cash dividends to net income (ytd only)*12.0564%3,295
Condition Ratios (%)
Loss allowance to loans1.1663%3,041
Loan loss allowance to noncurrent loans1,841.4159%564
Noncurrent assets plus other real estate owned to assets0.2433%2,340
Noncurrent loans to loans0.0633%3,632
Net loans and leases to total assets76.2088%508
Net loans and leases to deposits92.7429%428
Net loans and leases to core deposits106.7566%355
Total domestic deposits to total assets82.1721%3,937
Equity capital to assets8.6991%3,886
Core capital (leverage) ratio8.5596%3,863
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1878%2,844
Memoranda:
Average total assets$1,069,678,200914
Average earning assets$1,022,908,800889
Average equity$94,743,6001,053
Average total loans$884,274,400737
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6015%570
Cost of funding earning assets0.3834%1,834
Net interest margin4.2181%521
Noninterest income to average assets0.3488%3,365
Noninterest expense to average assets2.5598%1,955
Loan and lease loss provision to assets-0.0263%4,377
Net operating income to assets1.3045%1,817
Return on assets (ROA)1.3115%1,840
Pretax return on assets1.8529%1,041
Return on Equity (ROE)14.7341%1,192
Retained earnings to average equity (ytd only)12.9472%651
Net charge-offs to loans-0.0447%4,299
Credit loss provision to net charge-offs69.9324%1,760
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.4758%3,196
Assets per employee ($millions)9.7047%710
Cash dividends to net income (ytd only)*12.1277%2,886
Condition Ratios (%)
Loss allowance to loans1.1546%3,189
Loan loss allowance to noncurrent loans557.9490%1,256
Noncurrent assets plus other real estate owned to assets0.3605%1,997
Noncurrent loans to loans0.2069%3,124
Net loans and leases to total assets77.5295%430
Net loans and leases to deposits94.4144%403
Net loans and leases to core deposits108.6090%353
Total domestic deposits to total assets82.1162%3,910
Equity capital to assets8.6373%4,112
Core capital (leverage) ratio8.5912%3,933
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,047,866,500937
Average earning assets$1,000,834,500911
Average equity$93,269,0001,083
Average total loans$882,322,250751
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6742%553
Cost of funding earning assets0.4064%1,832
Net interest margin4.2679%518
Noninterest income to average assets0.3375%3,415
Noninterest expense to average assets2.6232%1,800
Loan and lease loss provision to assets-0.0420%4,495
Net operating income to assets1.2921%1,892
Return on assets (ROA)1.2997%1,941
Pretax return on assets1.8363%1,151
Return on Equity (ROE)14.4435%1,297
Retained earnings to average equity (ytd only)12.2617%859
Net charge-offs to loans-0.0591%4,440
Credit loss provision to net charge-offs82.3077%1,479
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.5118%3,080
Assets per employee ($millions)8.9319%882
Cash dividends to net income (ytd only)*15.1057%2,702
Condition Ratios (%)
Loss allowance to loans1.1464%3,210
Loan loss allowance to noncurrent loans537.2508%1,210
Noncurrent assets plus other real estate owned to assets0.3910%2,040
Noncurrent loans to loans0.2134%3,193
Net loans and leases to total assets83.0780%169
Net loans and leases to deposits102.0596%218
Net loans and leases to core deposits119.2396%223
Total domestic deposits to total assets81.4014%4,028
Equity capital to assets8.9048%3,881
Core capital (leverage) ratio8.9374%3,532
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,018,670,667952
Average earning assets$971,537,333932
Average equity$91,667,6671,093
Average total loans$879,564,667752
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6579%601
Cost of funding earning assets0.4260%1,895
Net interest margin4.2320%574
Noninterest income to average assets0.3388%3,406
Noninterest expense to average assets2.7177%1,581
Loan and lease loss provision to assets-0.0694%4,683
Net operating income to assets1.2174%2,078
Return on assets (ROA)1.2342%2,115
Pretax return on assets1.7432%1,408
Return on Equity (ROE)13.6398%1,506
Retained earnings to average equity (ytd only)11.4219%1,292
Net charge-offs to loans-0.0972%4,631
Credit loss provision to net charge-offs81.6038%1,200
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1877%2,726
Assets per employee ($millions)8.4120%1,030
Cash dividends to net income (ytd only)*16.2602%2,104
Condition Ratios (%)
Loss allowance to loans1.1526%3,179
Loan loss allowance to noncurrent loans525.3080%1,135
Noncurrent assets plus other real estate owned to assets0.4124%2,165
Noncurrent loans to loans0.2194%3,320
Net loans and leases to total assets86.2219%84
Net loans and leases to deposits109.0511%143
Net loans and leases to core deposits120.1220%239
Total domestic deposits to total assets79.0656%4,324
Equity capital to assets8.9838%3,701
Core capital (leverage) ratio8.9701%3,636
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$996,560,000957
Average earning assets$949,347,000934
Average equity$90,177,5001,096
Average total loans$872,712,500757
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6755%940
Cost of funding earning assets0.7433%1,491
Net interest margin3.9321%1,134
Noninterest income to average assets0.3972%3,106
Noninterest expense to average assets2.7546%2,055
Loan and lease loss provision to assets0.1244%2,809
Net operating income to assets0.8991%2,705
Return on assets (ROA)0.8977%2,842
Pretax return on assets1.2671%2,096
Return on Equity (ROE)10.4502%1,830
Retained earnings to average equity (ytd only)9.0331%764
Net charge-offs to loans-0.0308%4,545
Credit loss provision to net charge-offs-481.4961%3,916
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4092%2,466
Assets per employee ($millions)7.7402%1,146
Cash dividends to net income (ytd only)*13.5607%3,466
Condition Ratios (%)
Loss allowance to loans1.1887%3,003
Loan loss allowance to noncurrent loans263.2748%1,888
Noncurrent assets plus other real estate owned to assets0.6463%1,624
Noncurrent loans to loans0.4515%2,620
Net loans and leases to total assets86.8876%72
Net loans and leases to deposits110.5875%159
Net loans and leases to core deposits126.7086%231
Total domestic deposits to total assets78.5691%4,255
Equity capital to assets9.1168%3,956
Core capital (leverage) ratio9.2854%3,336
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$983,323,800896
Average earning assets$937,961,800866
Average equity$84,467,0001,106
Average total loans$825,127,000765
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6602%1,158
Cost of funding earning assets0.8296%1,362
Net interest margin3.8306%1,537
Noninterest income to average assets0.4001%3,079
Noninterest expense to average assets2.7210%2,202
Loan and lease loss provision to assets0.1714%2,279
Net operating income to assets0.8250%3,000
Return on assets (ROA)0.8207%3,138
Pretax return on assets1.1580%2,537
Return on Equity (ROE)9.7012%2,133
Retained earnings to average equity (ytd only)8.3464%1,196
Net charge-offs to loans-0.0348%4,574
Credit loss provision to net charge-offs-594.8357%3,815
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0881%2,300
Assets per employee ($millions)8.2043%925
Cash dividends to net income (ytd only)*13.9654%3,013
Condition Ratios (%)
Loss allowance to loans1.1934%2,704
Loan loss allowance to noncurrent loans410.3421%1,244
Noncurrent assets plus other real estate owned to assets0.4807%2,281
Noncurrent loans to loans0.2908%3,232
Net loans and leases to total assets81.0287%517
Net loans and leases to deposits111.1670%208
Net loans and leases to core deposits130.5857%242
Total domestic deposits to total assets72.8892%4,646
Equity capital to assets8.3002%4,576
Core capital (leverage) ratio8.7920%3,968
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$985,338,750880
Average earning assets$940,357,250853
Average equity$83,355,5001,110
Average total loans$817,014,500762
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7133%1,376
Cost of funding earning assets0.9478%1,159
Net interest margin3.7655%1,937
Noninterest income to average assets0.3319%3,479
Noninterest expense to average assets2.7922%2,116
Loan and lease loss provision to assets0.2388%1,763
Net operating income to assets0.6369%3,619
Return on assets (ROA)0.6305%3,723
Pretax return on assets0.8890%3,343
Return on Equity (ROE)7.4034%2,966
Retained earnings to average equity (ytd only)5.3454%2,332
Net charge-offs to loans-0.0341%4,581
Credit loss provision to net charge-offs-842.3358%3,718
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0831%1,811
Assets per employee ($millions)8.0967%933
Cash dividends to net income (ytd only)*27.7978%2,443
Condition Ratios (%)
Loss allowance to loans1.1691%2,675
Loan loss allowance to noncurrent loans346.7775%1,384
Noncurrent assets plus other real estate owned to assets0.5101%2,307
Noncurrent loans to loans0.3371%3,185
Net loans and leases to total assets79.7627%618
Net loans and leases to deposits111.1661%209
Net loans and leases to core deposits138.4108%184
Total domestic deposits to total assets71.7509%4,724
Equity capital to assets7.8625%4,781
Core capital (leverage) ratio8.9396%3,967
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$966,470,667883
Average earning assets$923,001,333853
Average equity$82,313,0001,109
Average total loans$804,529,333767
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0002%968
Cost of funding earning assets1.1381%938
Net interest margin3.8621%1,790
Noninterest income to average assets0.4368%2,866
Noninterest expense to average assets2.8841%2,171
Loan and lease loss provision to assets0.1706%1,723
Net operating income to assets0.7598%3,057
Return on assets (ROA)0.7405%3,207
Pretax return on assets1.0459%2,679
Return on Equity (ROE)8.3256%2,373
Retained earnings to average equity (ytd only)6.0461%1,850
Net charge-offs to loans-0.0298%4,470
Credit loss provision to net charge-offs-675.8621%3,462
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9188%2,363
Assets per employee ($millions)7.1157%1,041
Cash dividends to net income (ytd only)*27.3796%2,198
Condition Ratios (%)
Loss allowance to loans1.1723%2,817
Loan loss allowance to noncurrent loans314.3690%1,450
Noncurrent assets plus other real estate owned to assets0.5881%2,240
Noncurrent loans to loans0.3729%3,146
Net loans and leases to total assets83.5455%296
Net loans and leases to deposits106.9575%262
Net loans and leases to core deposits146.8388%128
Total domestic deposits to total assets78.1109%4,202
Equity capital to assets8.9048%4,654
Core capital (leverage) ratio9.2064%4,268
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$919,370,000894
Average earning assets$877,969,000868
Average equity$81,772,0001,115
Average total loans$778,779,500765
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3199%790
Cost of funding earning assets1.3175%736
Net interest margin4.0025%1,853
Noninterest income to average assets0.3968%3,313
Noninterest expense to average assets2.9478%2,152
Loan and lease loss provision to assets-0.0022%4,906
Net operating income to assets0.9077%3,176
Return on assets (ROA)0.9117%3,241
Pretax return on assets1.2893%2,541
Return on Equity (ROE)10.7028%2,001
Retained earnings to average equity (ytd only)8.1194%942
Net charge-offs to loans-0.0245%4,670
Credit loss provision to net charge-offs10.5263%3,356
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6925%2,221
Assets per employee ($millions)6.8699%1,094
Cash dividends to net income (ytd only)*24.1375%3,332
Condition Ratios (%)
Loss allowance to loans1.1240%2,819
Loan loss allowance to noncurrent loans325.2612%1,419
Noncurrent assets plus other real estate owned to assets0.5696%2,180
Noncurrent loans to loans0.3456%3,208
Net loans and leases to total assets83.9275%326
Net loans and leases to deposits101.9872%468
Net loans and leases to core deposits142.0022%167
Total domestic deposits to total assets82.2922%3,425
Equity capital to assets8.8838%4,746
Core capital (leverage) ratio9.0647%4,471
Tier 1 risk-based capital ratio10.2842%5,076
Total risk-based capital ratio11.4100%5,043
Memoranda:
Average total assets$893,337,000882
Average earning assets$855,499,000845
Average equity$76,101,4001,131
Average total loans$775,447,600732
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3073%852
Cost of funding earning assets1.3287%722
Net interest margin3.9786%2,024
Noninterest income to average assets0.2828%4,050
Noninterest expense to average assets2.9458%2,112
Loan and lease loss provision to assets0.0284%3,340
Net operating income to assets0.7931%3,695
Return on assets (ROA)0.7981%3,755
Pretax return on assets1.1277%3,212
Return on Equity (ROE)9.4732%2,686
Retained earnings to average equity (ytd only)6.8007%1,951
Net charge-offs to loans-0.0227%4,615
Credit loss provision to net charge-offs-143.1818%4,117
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.9260%1,844
Assets per employee ($millions)7.0553%1,007
Cash dividends to net income (ytd only)*28.2114%2,689
Condition Ratios (%)
Loss allowance to loans1.1233%2,912
Loan loss allowance to noncurrent loans130.0675%2,868
Noncurrent assets plus other real estate owned to assets0.7901%1,744
Noncurrent loans to loans0.8636%1,857
Net loans and leases to total assets86.4363%165
Net loans and leases to deposits102.3843%487
Net loans and leases to core deposits139.7933%186
Total domestic deposits to total assets84.4234%2,660
Equity capital to assets8.7278%4,909
Core capital (leverage) ratio9.0168%4,623
Tier 1 risk-based capital ratio10.0399%5,185
Total risk-based capital ratio11.1801%5,151
Memoranda:
Average total assets$888,246,250886
Average earning assets$851,240,000852
Average equity$74,834,0001,148
Average total loans$775,418,750734
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2476%903
Cost of funding earning assets1.3173%700
Net interest margin3.9303%2,155
Noninterest income to average assets0.2862%4,031
Noninterest expense to average assets3.0037%1,995
Loan and lease loss provision to assets0.0464%2,890
Net operating income to assets0.7114%3,971
Return on assets (ROA)0.7157%4,011
Pretax return on assets1.0105%3,509
Return on Equity (ROE)8.6007%3,027
Retained earnings to average equity (ytd only)5.8227%2,359
Net charge-offs to loans-0.0197%4,545
Credit loss provision to net charge-offs-269.7368%4,030
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0704%1,640
Assets per employee ($millions)6.8329%1,077
Cash dividends to net income (ytd only)*32.2999%2,537
Condition Ratios (%)
Loss allowance to loans1.1240%2,939
Loan loss allowance to noncurrent loans242.7275%1,864
Noncurrent assets plus other real estate owned to assets0.5223%2,468
Noncurrent loans to loans0.4631%2,892
Net loans and leases to total assets86.1010%206
Net loans and leases to deposits101.4062%580
Net loans and leases to core deposits134.1153%254
Total domestic deposits to total assets84.9070%2,518
Equity capital to assets8.2753%5,125
Core capital (leverage) ratio8.6627%4,871
Tier 1 risk-based capital ratio9.5316%5,271
Total risk-based capital ratio10.6696%5,266
Memoranda:
Average total assets$883,301,670888
Average earning assets$847,057,000852
Average equity$73,505,6701,163
Average total loans$770,739,330741
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2011%910
Cost of funding earning assets1.2979%663
Net interest margin3.9032%2,180
Noninterest income to average assets0.2622%4,134
Noninterest expense to average assets3.0252%1,918
Loan and lease loss provision to assets0.0165%3,221
Net operating income to assets0.6861%3,984
Return on assets (ROA)0.6948%3,996
Pretax return on assets0.9808%3,509
Return on Equity (ROE)8.3247%3,104
Retained earnings to average equity (ytd only)5.5717%2,659
Net charge-offs to loans-0.0073%4,121
Credit loss provision to net charge-offs-257.1429%3,689
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.4136%1,566
Assets per employee ($millions)6.4653%1,255
Cash dividends to net income (ytd only)*33.0698%2,138
Condition Ratios (%)
Loss allowance to loans1.1208%3,016
Loan loss allowance to noncurrent loans141.3748%2,775
Noncurrent assets plus other real estate owned to assets0.6916%2,029
Noncurrent loans to loans0.7928%2,053
Net loans and leases to total assets86.2600%170
Net loans and leases to deposits103.1131%440
Net loans and leases to core deposits137.9521%207
Total domestic deposits to total assets83.6558%3,168
Equity capital to assets8.3535%5,063
Core capital (leverage) ratio8.6261%4,931
Tier 1 risk-based capital ratio9.6222%5,324
Total risk-based capital ratio10.7592%5,313
Memoranda:
Average total assets$873,981,500898
Average earning assets$839,513,000860
Average equity$72,939,5001,169
Average total loans$763,404,500754
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1437%776
Cost of funding earning assets1.0511%606
Net interest margin4.0925%1,704
Noninterest income to average assets0.3045%4,073
Noninterest expense to average assets2.9845%2,084
Loan and lease loss provision to assets-0.0053%5,088
Net operating income to assets0.9230%3,352
Return on assets (ROA)0.9196%3,356
Pretax return on assets1.2731%2,602
Return on Equity (ROE)10.8810%2,140
Retained earnings to average equity (ytd only)1.6452%4,485
Net charge-offs to loans-0.0344%4,859
Credit loss provision to net charge-offs17.5097%3,410
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1151%2,160
Assets per employee ($millions)6.2495%1,358
Cash dividends to net income (ytd only)*84.8802%559
Condition Ratios (%)
Loss allowance to loans1.1250%2,951
Loan loss allowance to noncurrent loans136.7301%2,887
Noncurrent assets plus other real estate owned to assets0.7196%1,926
Noncurrent loans to loans0.8228%1,958
Net loans and leases to total assets86.4755%210
Net loans and leases to deposits104.8710%431
Net loans and leases to core deposits147.1393%148
Total domestic deposits to total assets82.4589%3,501
Equity capital to assets8.3377%5,026
Core capital (leverage) ratio8.5714%4,974
Tier 1 risk-based capital ratio9.6787%5,358
Total risk-based capital ratio10.8309%5,339
Memoranda:
Average total assets$852,941,200892
Average earning assets$823,669,400854
Average equity$72,089,2001,131
Average total loans$746,352,000740
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1088%745
Cost of funding earning assets0.9822%637
Net interest margin4.1266%1,554
Noninterest income to average assets0.3007%4,136
Noninterest expense to average assets2.9544%2,154
Loan and lease loss provision to assets-0.0405%5,275
Net operating income to assets0.9981%3,090
Return on assets (ROA)0.9966%3,111
Pretax return on assets1.3716%2,337
Return on Equity (ROE)11.7508%1,884
Retained earnings to average equity (ytd only)0.2963%4,987
Net charge-offs to loans-0.0580%4,987
Credit loss provision to net charge-offs79.8762%2,531
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9096%2,372
Assets per employee ($millions)6.1870%1,357
Cash dividends to net income (ytd only)*97.4787%291
Condition Ratios (%)
Loss allowance to loans1.1249%3,051
Loan loss allowance to noncurrent loans146.4690%2,799
Noncurrent assets plus other real estate owned to assets0.6766%2,170
Noncurrent loans to loans0.7680%2,168
Net loans and leases to total assets87.1072%179
Net loans and leases to deposits102.4944%618
Net loans and leases to core deposits143.7711%185
Total domestic deposits to total assets84.9873%2,611
Equity capital to assets8.3627%5,001
Core capital (leverage) ratio8.2185%5,242
Tier 1 risk-based capital ratio9.6309%5,427
Total risk-based capital ratio10.7833%5,413
Memoranda:
Average total assets$849,006,250895
Average earning assets$820,214,500854
Average equity$72,004,5001,132
Average total loans$743,004,250740
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9400%943
Cost of funding earning assets0.8597%875
Net interest margin4.0803%1,615
Noninterest income to average assets0.2919%4,228
Noninterest expense to average assets2.9437%2,214
Loan and lease loss provision to assets-0.0064%5,296
Net operating income to assets0.9170%3,388
Return on assets (ROA)0.9213%3,362
Pretax return on assets1.3046%2,489
Return on Equity (ROE)10.8127%2,189
Retained earnings to average equity (ytd only)8.4998%1,408
Net charge-offs to loans-0.0617%4,989
Credit loss provision to net charge-offs11.7904%2,722
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.4843%2,396
Assets per employee ($millions)6.4163%1,210
Cash dividends to net income (ytd only)*21.3902%2,956
Condition Ratios (%)
Loss allowance to loans1.1309%3,085
Loan loss allowance to noncurrent loans150.0879%2,766
Noncurrent assets plus other real estate owned to assets0.6616%2,254
Noncurrent loans to loans0.7535%2,235
Net loans and leases to total assets86.8064%210
Net loans and leases to deposits106.0350%432
Net loans and leases to core deposits149.2883%125
Total domestic deposits to total assets81.8658%3,764
Equity capital to assets8.5891%4,881
Core capital (leverage) ratio8.8743%4,817
Tier 1 risk-based capital ratio10.0980%5,404
Total risk-based capital ratio11.2799%5,360
Memoranda:
Average total assets$849,467,330896
Average earning assets$821,217,000858
Average equity$72,378,0001,124
Average total loans$741,758,670746
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8683%934
Cost of funding earning assets0.7546%1,166
Net interest margin4.1137%1,407
Noninterest income to average assets0.2819%4,287
Noninterest expense to average assets3.0226%2,020
Loan and lease loss provision to assets-0.0682%5,484
Net operating income to assets0.9195%3,205
Return on assets (ROA)0.9262%3,196
Pretax return on assets1.3133%2,312
Return on Equity (ROE)10.9152%2,005
Retained earnings to average equity (ytd only)9.0783%1,433
Net charge-offs to loans-0.0990%5,200
Credit loss provision to net charge-offs79.1209%1,755
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9677%2,348
Assets per employee ($millions)6.8832%1,009
Cash dividends to net income (ytd only)*16.8286%2,460
Condition Ratios (%)
Loss allowance to loans1.1303%3,206
Loan loss allowance to noncurrent loans134.4412%2,939
Noncurrent assets plus other real estate owned to assets0.7238%2,147
Noncurrent loans to loans0.8407%2,133
Net loans and leases to total assets85.1234%332
Net loans and leases to deposits103.0053%534
Net loans and leases to core deposits152.5705%108
Total domestic deposits to total assets82.6398%3,772
Equity capital to assets8.4190%5,036
Core capital (leverage) ratio8.9634%4,717
Tier 1 risk-based capital ratio10.1909%5,449
Total risk-based capital ratio11.3840%5,397
Memoranda:
Average total assets$844,306,500905
Average earning assets$816,296,000871
Average equity$71,643,0001,141
Average total loans$735,193,500750
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9496%710
Cost of funding earning assets0.6010%1,586
Net interest margin4.3485%863
Noninterest income to average assets0.3726%3,802
Noninterest expense to average assets3.0926%1,882
Loan and lease loss provision to assets0.0418%3,420
Net operating income to assets0.6979%3,613
Return on assets (ROA)0.6979%3,663
Pretax return on assets1.4454%1,833
Return on Equity (ROE)7.8337%2,872
Retained earnings to average equity (ytd only)3.2250%3,369
Net charge-offs to loans-0.0792%5,312
Credit loss provision to net charge-offs-59.8165%4,659
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5265%2,991
Assets per employee ($millions)6.4704%1,223
Cash dividends to net income (ytd only)*58.8311%1,811
Condition Ratios (%)
Loss allowance to loans1.1424%3,107
Loan loss allowance to noncurrent loans121.7855%3,185
Noncurrent assets plus other real estate owned to assets0.8264%1,888
Noncurrent loans to loans0.9380%1,902
Net loans and leases to total assets87.0884%185
Net loans and leases to deposits102.9427%549
Net loans and leases to core deposits159.9244%90
Total domestic deposits to total assets84.5990%2,993
Equity capital to assets8.5545%5,081
Core capital (leverage) ratio8.8304%4,831
Tier 1 risk-based capital ratio10.0994%5,507
Total risk-based capital ratio11.3097%5,456
Memoranda:
Average total assets$779,569,000955
Average earning assets$754,229,800912
Average equity$69,456,4001,145
Average total loans$688,500,000757
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9270%714
Cost of funding earning assets0.5672%1,760
Net interest margin4.3598%804
Noninterest income to average assets0.3829%3,795
Noninterest expense to average assets3.1230%1,744
Loan and lease loss provision to assets0.0676%2,718
Net operating income to assets0.8357%3,355
Return on assets (ROA)0.8357%3,396
Pretax return on assets1.4125%2,083
Return on Equity (ROE)9.2799%2,457
Retained earnings to average equity (ytd only)3.7351%3,703
Net charge-offs to loans-0.0835%5,329
Credit loss provision to net charge-offs-91.5294%4,507
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.8455%2,899
Assets per employee ($millions)6.5623%1,147
Cash dividends to net income (ytd only)*59.7505%1,354
Condition Ratios (%)
Loss allowance to loans1.1486%3,206
Loan loss allowance to noncurrent loans225.3744%2,033
Noncurrent assets plus other real estate owned to assets0.4442%3,259
Noncurrent loans to loans0.5096%3,177
Net loans and leases to total assets86.1604%251
Net loans and leases to deposits102.0649%610
Net loans and leases to core deposits150.2581%122
Total domestic deposits to total assets84.4172%2,953
Equity capital to assets8.5373%5,263
Core capital (leverage) ratio8.8996%4,866
Tier 1 risk-based capital ratio10.2576%5,525
Total risk-based capital ratio11.4836%5,480
Memoranda:
Average total assets$767,408,750969
Average earning assets$742,824,000931
Average equity$69,108,2501,162
Average total loans$678,222,500772
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9096%679
Cost of funding earning assets0.5241%1,970
Net interest margin4.3854%724
Noninterest income to average assets0.3836%3,803
Noninterest expense to average assets3.1648%1,669
Loan and lease loss provision to assets0.0706%2,561
Net operating income to assets0.8253%3,268
Return on assets (ROA)0.8253%3,325
Pretax return on assets1.3943%2,047
Return on Equity (ROE)8.9923%2,512
Retained earnings to average equity (ytd only)1.6352%4,603
Net charge-offs to loans-0.0801%5,344
Credit loss provision to net charge-offs-99.2481%4,345
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3578%2,944
Assets per employee ($millions)6.5381%1,133
Cash dividends to net income (ytd only)*81.8152%811
Condition Ratios (%)
Loss allowance to loans1.1538%3,294
Loan loss allowance to noncurrent loans205.7128%2,182
Noncurrent assets plus other real estate owned to assets0.4953%3,106
Noncurrent loans to loans0.5609%3,054
Net loans and leases to total assets87.2880%184
Net loans and leases to deposits102.0961%606
Net loans and leases to core deposits148.4250%133
Total domestic deposits to total assets85.4959%2,619
Equity capital to assets8.8242%5,049
Core capital (leverage) ratio9.2308%4,458
Tier 1 risk-based capital ratio10.3925%5,510
Total risk-based capital ratio11.6163%5,445
Memoranda:
Average total assets$747,595,000996
Average earning assets$723,849,000958
Average equity$68,614,0001,171
Average total loans$664,065,000790
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9333%584
Cost of funding earning assets0.5062%2,038
Net interest margin4.4271%611
Noninterest income to average assets0.3500%4,038
Noninterest expense to average assets3.1946%1,624
Loan and lease loss provision to assets0.0790%2,232
Net operating income to assets0.8059%3,194
Return on assets (ROA)0.8059%3,256
Pretax return on assets1.3611%2,027
Return on Equity (ROE)8.6026%2,614
Retained earnings to average equity (ytd only)-3.1096%5,268
Net charge-offs to loans-0.1090%5,476
Credit loss provision to net charge-offs-81.3559%3,915
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9276%3,058
Assets per employee ($millions)5.9837%1,520
Cash dividends to net income (ytd only)*136.1470%450
Condition Ratios (%)
Loss allowance to loans1.1645%3,339
Loan loss allowance to noncurrent loans185.5781%2,401
Noncurrent assets plus other real estate owned to assets0.5609%2,989
Noncurrent loans to loans0.6275%2,944
Net loans and leases to total assets88.3415%97
Net loans and leases to deposits103.1767%439
Net loans and leases to core deposits145.6251%128
Total domestic deposits to total assets85.6216%2,830
Equity capital to assets9.0986%4,715
Core capital (leverage) ratio9.4090%4,226
Tier 1 risk-based capital ratio10.3839%5,595
Total risk-based capital ratio11.5959%5,538
Memoranda:
Average total assets$729,107,0001,016
Average earning assets$705,650,000978
Average equity$68,305,0001,170
Average total loans$649,682,500811
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1138%489
Cost of funding earning assets0.4579%2,464
Net interest margin4.6558%452
Noninterest income to average assets0.3431%4,281
Noninterest expense to average assets3.3802%1,403
Loan and lease loss provision to assets-0.0074%5,481
Net operating income to assets0.8698%2,978
Return on assets (ROA)0.8698%3,092
Pretax return on assets1.4693%1,685
Return on Equity (ROE)8.5277%2,657
Retained earnings to average equity (ytd only)7.0240%1,218
Net charge-offs to loans-0.1029%5,603
Credit loss provision to net charge-offs8.0537%3,750
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8080%2,936
Assets per employee ($millions)5.9188%1,536
Cash dividends to net income (ytd only)*17.6336%3,803
Condition Ratios (%)
Loss allowance to loans1.1832%3,221
Loan loss allowance to noncurrent loans239.4610%1,965
Noncurrent assets plus other real estate owned to assets0.4389%3,511
Noncurrent loans to loans0.4941%3,387
Net loans and leases to total assets87.7653%135
Net loans and leases to deposits101.7206%552
Net loans and leases to core deposits140.5070%171
Total domestic deposits to total assets86.2808%2,468
Equity capital to assets9.6523%4,115
Core capital (leverage) ratio10.0801%3,390
Tier 1 risk-based capital ratio11.0443%5,321
Total risk-based capital ratio12.2727%5,224
Memoranda:
Average total assets$651,952,0001,092
Average earning assets$629,982,0001,034
Average equity$66,501,0001,179
Average total loans$579,003,600857
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1172%479
Cost of funding earning assets0.4575%2,483
Net interest margin4.6597%459
Noninterest income to average assets0.3556%4,244
Noninterest expense to average assets3.4039%1,332
Loan and lease loss provision to assets-0.0343%5,697
Net operating income to assets0.8807%3,009
Return on assets (ROA)0.8807%3,128
Pretax return on assets1.4879%1,744
Return on Equity (ROE)8.5065%2,759
Retained earnings to average equity (ytd only)8.5065%980
Net charge-offs to loans-0.1032%5,581
Credit loss provision to net charge-offs37.4429%3,174
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.0745%2,875
Assets per employee ($millions)5.3996%1,950
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.1945%3,275
Loan loss allowance to noncurrent loans178.6779%2,441
Noncurrent assets plus other real estate owned to assets0.6065%3,088
Noncurrent loans to loans0.6685%3,023
Net loans and leases to total assets89.5455%79
Net loans and leases to deposits100.4827%678
Net loans and leases to core deposits135.5868%239
Total domestic deposits to total assets89.1153%844
Equity capital to assets10.2554%3,851
Core capital (leverage) ratio10.4769%3,022
Tier 1 risk-based capital ratio11.8319%4,900
Total risk-based capital ratio13.0831%4,795
Memoranda:
Average total assets$637,377,0001,109
Average earning assets$615,785,2501,056
Average equity$65,987,2501,193
Average total loans$566,049,750874
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9781%619
Cost of funding earning assets0.4514%2,550
Net interest margin4.5266%579
Noninterest income to average assets0.3653%4,145
Noninterest expense to average assets3.3683%1,437
Loan and lease loss provision to assets-0.0592%5,836
Net operating income to assets0.8475%3,108
Return on assets (ROA)0.8475%3,236
Pretax return on assets1.4311%1,900
Return on Equity (ROE)8.1588%2,907
Retained earnings to average equity (ytd only)8.1588%1,126
Net charge-offs to loans-0.1076%5,649
Credit loss provision to net charge-offs62.4161%2,555
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0574%2,811
Assets per employee ($millions)5.4403%1,853
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.2290%3,196
Loan loss allowance to noncurrent loans121.6970%3,301
Noncurrent assets plus other real estate owned to assets0.9002%2,356
Noncurrent loans to loans1.0099%2,267
Net loans and leases to total assets87.9853%137
Net loans and leases to deposits99.6243%723
Net loans and leases to core deposits121.2278%484
Total domestic deposits to total assets88.3171%1,266
Equity capital to assets10.3761%3,765
Core capital (leverage) ratio10.5289%2,939
Tier 1 risk-based capital ratio12.2771%4,661
Total risk-based capital ratio13.5282%4,580
Memoranda:
Average total assets$628,454,3301,132
Average earning assets$607,382,3301,073
Average equity$65,279,3301,207
Average total loans$554,099,000891
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9543%634
Cost of funding earning assets0.4393%2,689
Net interest margin4.5151%588
Noninterest income to average assets0.3738%4,045
Noninterest expense to average assets3.3547%1,478
Loan and lease loss provision to assets-0.1589%6,011
Net operating income to assets0.9130%2,683
Return on assets (ROA)0.9130%2,803
Pretax return on assets1.5429%1,461
Return on Equity (ROE)8.7845%2,522
Retained earnings to average equity (ytd only)8.7845%1,177
Net charge-offs to loans-0.1100%5,676
Credit loss provision to net charge-offs164.6667%1,220
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.7943%2,988
Assets per employee ($millions)5.2309%2,106
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.2467%3,219
Loan loss allowance to noncurrent loans101.6093%3,603
Noncurrent assets plus other real estate owned to assets1.0788%2,051
Noncurrent loans to loans1.2269%1,968
Net loans and leases to total assets86.7764%175
Net loans and leases to deposits98.5066%719
Net loans and leases to core deposits130.3593%266
Total domestic deposits to total assets88.0919%1,595
Equity capital to assets10.5035%3,490
Core capital (leverage) ratio10.5452%2,911
Tier 1 risk-based capital ratio12.5940%4,523
Total risk-based capital ratio13.8456%4,433
Memoranda:
Average total assets$621,704,0001,133
Average earning assets$601,008,0001,078
Average equity$64,614,0001,209
Average total loans$545,221,500899
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3388%349
Cost of funding earning assets0.4372%2,762
Net interest margin4.9016%299
Noninterest income to average assets0.3855%4,154
Noninterest expense to average assets4.5384%402
Loan and lease loss provision to assets-0.3870%6,101
Net operating income to assets0.5676%4,430
Return on assets (ROA)0.5676%4,523
Pretax return on assets0.9565%3,621
Return on Equity (ROE)5.1509%4,436
Retained earnings to average equity (ytd only)-2.7739%5,805
Net charge-offs to loans-0.2541%5,993
Credit loss provision to net charge-offs173.1912%1,559
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.8511%769
Assets per employee ($millions)5.8031%1,533
Cash dividends to net income (ytd only)*153.8531%160
Condition Ratios (%)
Loss allowance to loans1.2726%3,053
Loan loss allowance to noncurrent loans99.4393%3,698
Noncurrent assets plus other real estate owned to assets1.1207%1,956
Noncurrent loans to loans1.2798%1,838
Net loans and leases to total assets86.4098%198
Net loans and leases to deposits97.9635%817
Net loans and leases to core deposits123.2518%399
Total domestic deposits to total assets88.2061%1,533
Equity capital to assets10.2823%3,643
Core capital (leverage) ratio10.3833%3,069
Tier 1 risk-based capital ratio12.4497%4,667
Total risk-based capital ratio13.7010%4,554
Memoranda:
Average total assets$587,562,4001,164
Average earning assets$566,082,6001,105
Average equity$64,746,0001,170
Average total loans$516,757,200907
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2805%382
Cost of funding earning assets0.4416%2,780
Net interest margin4.8389%346
Noninterest income to average assets0.4077%4,028
Noninterest expense to average assets5.0029%284
Loan and lease loss provision to assets-0.4597%6,202
Net operating income to assets0.3124%5,418
Return on assets (ROA)0.3124%5,503
Pretax return on assets0.5232%5,164
Return on Equity (ROE)2.7848%5,458
Retained earnings to average equity (ytd only)-2.1096%5,866
Net charge-offs to loans-0.2959%6,080
Credit loss provision to net charge-offs176.4134%1,495
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio98.7460%328
Assets per employee ($millions)5.3640%1,891
Cash dividends to net income (ytd only)*175.7551%93
Condition Ratios (%)
Loss allowance to loans1.3156%3,006
Loan loss allowance to noncurrent loans94.9492%3,785
Noncurrent assets plus other real estate owned to assets1.2293%1,910
Noncurrent loans to loans1.3856%1,846
Net loans and leases to total assets87.5528%161
Net loans and leases to deposits99.6431%685
Net loans and leases to core deposits115.4881%614
Total domestic deposits to total assets87.8665%1,631
Equity capital to assets10.7616%3,289
Core capital (leverage) ratio10.7306%2,786
Tier 1 risk-based capital ratio13.0069%4,425
Total risk-based capital ratio14.2590%4,349
Memoranda:
Average total assets$579,220,0001,182
Average earning assets$557,662,5001,129
Average equity$64,971,0001,172
Average total loans$510,081,000915
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3446%337
Cost of funding earning assets0.4541%2,676
Net interest margin4.8905%305
Noninterest income to average assets0.4203%3,916
Noninterest expense to average assets5.8730%187
Loan and lease loss provision to assets-0.5426%6,281
Net operating income to assets-0.1154%6,057
Return on assets (ROA)-0.1154%6,085
Pretax return on assets-0.2035%6,109
Return on Equity (ROE)-1.0142%6,083
Retained earnings to average equity (ytd only)-7.2037%6,098
Net charge-offs to loans-0.3654%6,157
Credit loss provision to net charge-offs169.0632%1,414
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio114.5526%133
Assets per employee ($millions)5.3366%1,894
Cash dividends to net income (ytd only)*-610.3030%6,341
Condition Ratios (%)
Loss allowance to loans1.3953%2,781
Loan loss allowance to noncurrent loans66.3036%4,585
Noncurrent assets plus other real estate owned to assets1.8911%1,200
Noncurrent loans to loans2.1043%1,146
Net loans and leases to total assets87.1978%183
Net loans and leases to deposits102.0145%550
Net loans and leases to core deposits115.9610%594
Total domestic deposits to total assets85.4759%2,933
Equity capital to assets10.7738%3,138
Core capital (leverage) ratio11.0603%2,366
Tier 1 risk-based capital ratio13.1531%4,425
Total risk-based capital ratio14.4062%4,342
Memoranda:
Average total assets$572,038,6701,199
Average earning assets$550,541,3301,149
Average equity$65,077,3301,179
Average total loans$502,442,000932
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1696%426
Cost of funding earning assets0.4907%2,374
Net interest margin4.6790%426
Noninterest income to average assets0.3132%4,691
Noninterest expense to average assets3.2954%1,726
Loan and lease loss provision to assets-0.6859%6,370
Net operating income to assets1.3009%1,270
Return on assets (ROA)1.3009%1,359
Pretax return on assets2.2035%383
Return on Equity (ROE)11.1284%1,599
Retained earnings to average equity (ytd only)3.1458%4,096
Net charge-offs to loans-0.2963%6,139
Credit loss provision to net charge-offs264.4809%893
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.4675%3,745
Assets per employee ($millions)5.0628%2,274
Cash dividends to net income (ytd only)*71.7320%1,136
Condition Ratios (%)
Loss allowance to loans1.4754%2,555
Loan loss allowance to noncurrent loans45.3328%5,143
Noncurrent assets plus other real estate owned to assets2.8331%695
Noncurrent loans to loans3.2547%631
Net loans and leases to total assets84.9163%254
Net loans and leases to deposits97.7705%696
Net loans and leases to core deposits107.1774%863
Total domestic deposits to total assets86.8527%2,453
Equity capital to assets11.5796%2,394
Core capital (leverage) ratio11.7195%1,841
Tier 1 risk-based capital ratio14.5139%3,712
Total risk-based capital ratio15.7683%3,638
Memoranda:
Average total assets$564,545,0001,221
Average earning assets$542,939,5001,171
Average equity$65,993,5001,165
Average total loans$494,104,500952
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2997%447
Cost of funding earning assets0.6156%1,634
Net interest margin4.6841%535
Noninterest income to average assets0.4742%3,681
Noninterest expense to average assets3.5882%1,331
Loan and lease loss provision to assets-0.9251%6,485
Net operating income to assets1.3415%1,204
Return on assets (ROA)1.3415%1,254
Pretax return on assets2.2704%283
Return on Equity (ROE)11.3594%1,607
Retained earnings to average equity (ytd only)-2.6514%6,065
Net charge-offs to loans-0.1642%6,223
Credit loss provision to net charge-offs638.6816%416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.7313%3,081
Assets per employee ($millions)4.8017%2,587
Cash dividends to net income (ytd only)*123.3414%207
Condition Ratios (%)
Loss allowance to loans1.5909%2,125
Loan loss allowance to noncurrent loans44.0474%5,260
Noncurrent assets plus other real estate owned to assets3.2106%600
Noncurrent loans to loans3.6118%553
Net loans and leases to total assets87.4793%136
Net loans and leases to deposits101.9136%517
Net loans and leases to core deposits107.3001%940
Total domestic deposits to total assets85.8367%2,924
Equity capital to assets11.8028%2,167
Core capital (leverage) ratio11.6373%1,879
Tier 1 risk-based capital ratio14.6553%3,694
Total risk-based capital ratio15.9117%3,616
Memoranda:
Average total assets$555,047,2001,203
Average earning assets$528,405,0001,150
Average equity$65,549,4001,125
Average total loans$489,532,000912
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3414%418
Cost of funding earning assets0.6430%1,504
Net interest margin4.6984%504
Noninterest income to average assets0.4280%4,036
Noninterest expense to average assets3.6246%1,252
Loan and lease loss provision to assets-0.8559%6,563
Net operating income to assets1.2538%1,515
Return on assets (ROA)1.2538%1,571
Pretax return on assets2.1215%434
Return on Equity (ROE)10.6153%1,941
Retained earnings to average equity (ytd only)-5.8420%6,281
Net charge-offs to loans-0.1606%6,259
Credit loss provision to net charge-offs605.4422%491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.1200%2,803
Assets per employee ($millions)5.0162%2,220
Cash dividends to net income (ytd only)*155.0335%128
Condition Ratios (%)
Loss allowance to loans1.8499%1,575
Loan loss allowance to noncurrent loans52.8557%5,041
Noncurrent assets plus other real estate owned to assets3.1131%739
Noncurrent loans to loans3.4999%685
Net loans and leases to total assets85.6941%210
Net loans and leases to deposits100.8717%568
Net loans and leases to core deposits105.0983%1,016
Total domestic deposits to total assets84.9535%3,356
Equity capital to assets11.2778%2,679
Core capital (leverage) ratio11.2913%2,221
Tier 1 risk-based capital ratio14.1933%4,085
Total risk-based capital ratio15.4530%4,012
Memoranda:
Average total assets$554,560,0001,210
Average earning assets$526,695,0001,160
Average equity$65,501,5001,129
Average total loans$488,131,750919
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4474%342
Cost of funding earning assets0.6563%1,461
Net interest margin4.7911%420
Noninterest income to average assets0.4606%3,785
Noninterest expense to average assets3.7322%1,078
Loan and lease loss provision to assets-0.8681%6,629
Net operating income to assets1.2595%1,419
Return on assets (ROA)1.2595%1,483
Pretax return on assets2.1297%423
Return on Equity (ROE)10.4985%1,940
Retained earnings to average equity (ytd only)-13.0289%6,469
Net charge-offs to loans-0.2766%6,412
Credit loss provision to net charge-offs355.5224%755
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.7355%2,850
Assets per employee ($millions)4.6455%2,703
Cash dividends to net income (ytd only)*224.1030%99
Condition Ratios (%)
Loss allowance to loans2.1223%1,138
Loan loss allowance to noncurrent loans46.0371%5,316
Noncurrent assets plus other real estate owned to assets4.1486%491
Noncurrent loans to loans4.6100%465
Net loans and leases to total assets86.8333%138
Net loans and leases to deposits102.2645%434
Net loans and leases to core deposits106.1996%884
Total domestic deposits to total assets84.9105%3,558
Equity capital to assets11.3082%2,600
Core capital (leverage) ratio11.1321%2,305
Tier 1 risk-based capital ratio14.0315%4,246
Total risk-based capital ratio15.2950%4,164
Memoranda:
Average total assets$548,797,0001,221
Average earning assets$519,252,3301,172
Average equity$65,838,0001,112
Average total loans$484,416,670922
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4169%336
Cost of funding earning assets0.6630%1,492
Net interest margin4.7539%417
Noninterest income to average assets0.3291%4,738
Noninterest expense to average assets3.7137%1,111
Loan and lease loss provision to assets-1.0072%6,708
Net operating income to assets1.2489%1,350
Return on assets (ROA)1.2489%1,409
Pretax return on assets2.1107%422
Return on Equity (ROE)10.1134%1,989
Retained earnings to average equity (ytd only)0.1904%5,489
Net charge-offs to loans-0.4331%6,534
Credit loss provision to net charge-offs264.1618%875
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.0932%2,632
Assets per employee ($millions)4.4722%3,019
Cash dividends to net income (ytd only)*98.1176%711
Condition Ratios (%)
Loss allowance to loans2.3440%975
Loan loss allowance to noncurrent loans52.2019%5,101
Noncurrent assets plus other real estate owned to assets4.5588%477
Noncurrent loans to loans4.4902%534
Net loans and leases to total assets86.0103%142
Net loans and leases to deposits105.2341%254
Net loans and leases to core deposits108.1315%668
Total domestic deposits to total assets81.7324%5,019
Equity capital to assets12.2348%1,729
Core capital (leverage) ratio12.3615%1,446
Tier 1 risk-based capital ratio15.2507%3,580
Total risk-based capital ratio16.5170%3,521
Memoranda:
Average total assets$544,465,0001,243
Average earning assets$514,023,5001,196
Average equity$67,237,5001,089
Average total loans$479,346,000934
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6704%278
Cost of funding earning assets0.7712%1,367
Net interest margin4.8993%363
Noninterest income to average assets0.3013%5,191
Noninterest expense to average assets4.0413%836
Loan and lease loss provision to assets-0.3652%6,706
Net operating income to assets1.7972%486
Return on assets (ROA)1.7972%500
Pretax return on assets1.2690%2,273
Return on Equity (ROE)15.4531%691
Retained earnings to average equity (ytd only)15.4531%158
Net charge-offs to loans0.0676%4,266
Credit loss provision to net charge-offs-623.0769%6,169
Earnings coverage of net charge-offs (x)15.4199%1,869
Efficiency ratio81.7239%1,916
Assets per employee ($millions)4.4168%3,055
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.5744%748
Loan loss allowance to noncurrent loans52.3297%5,164
Noncurrent assets plus other real estate owned to assets4.9789%474
Noncurrent loans to loans4.9195%523
Net loans and leases to total assets85.7386%167
Net loans and leases to deposits105.1773%290
Net loans and leases to core deposits107.1373%731
Total domestic deposits to total assets81.5182%5,032
Equity capital to assets12.4661%1,525
Core capital (leverage) ratio12.6794%1,266
Tier 1 risk-based capital ratio15.5708%3,329
Total risk-based capital ratio16.8405%3,268
Memoranda:
Average total assets$532,322,8001,247
Average earning assets$504,566,0001,207
Average equity$61,910,0001,167
Average total loans$461,227,600919
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7450%256
Cost of funding earning assets0.7894%1,385
Net interest margin4.9556%344
Noninterest income to average assets0.3110%5,211
Noninterest expense to average assets4.1384%732
Loan and lease loss provision to assets-0.7143%6,857
Net operating income to assets1.5901%765
Return on assets (ROA)1.5901%810
Pretax return on assets1.5901%1,358
Return on Equity (ROE)13.9262%1,011
Retained earnings to average equity (ytd only)13.9262%256
Net charge-offs to loans-0.0096%5,882
Credit loss provision to net charge-offs8,615.1515%31
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.5333%1,754
Assets per employee ($millions)4.4352%2,986
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.5835%848
Loan loss allowance to noncurrent loans55.1590%5,001
Noncurrent assets plus other real estate owned to assets4.6559%629
Noncurrent loans to loans4.6837%673
Net loans and leases to total assets82.5678%326
Net loans and leases to deposits101.9227%384
Net loans and leases to core deposits104.3230%864
Total domestic deposits to total assets81.0102%5,210
Equity capital to assets12.0228%1,902
Core capital (leverage) ratio12.0561%1,639
Tier 1 risk-based capital ratio15.8355%3,283
Total risk-based capital ratio17.1058%3,220
Memoranda:
Average total assets$530,690,2501,266
Average earning assets$503,659,0001,221
Average equity$60,594,0001,196
Average total loans$457,981,250930
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7418%258
Cost of funding earning assets0.8004%1,412
Net interest margin4.9414%341
Noninterest income to average assets0.3535%4,859
Noninterest expense to average assets4.1767%715
Loan and lease loss provision to assets-0.4829%6,871
Net operating income to assets1.3452%1,212
Return on assets (ROA)1.3452%1,305
Pretax return on assets1.3452%2,142
Return on Equity (ROE)11.9941%1,492
Retained earnings to average equity (ytd only)11.9941%490
Net charge-offs to loans0.3163%1,922
Credit loss provision to net charge-offs-175.8242%5,709
Earnings coverage of net charge-offs (x)3.1401%3,481
Efficiency ratio82.8867%1,771
Assets per employee ($millions)4.1624%3,445
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.7031%791
Loan loss allowance to noncurrent loans44.0718%5,456
Noncurrent assets plus other real estate owned to assets6.0096%451
Noncurrent loans to loans6.1334%443
Net loans and leases to total assets84.1521%228
Net loans and leases to deposits103.0875%295
Net loans and leases to core deposits105.5729%757
Total domestic deposits to total assets81.6318%5,167
Equity capital to assets11.5140%2,278
Core capital (leverage) ratio11.6469%1,832
Tier 1 risk-based capital ratio14.8317%3,886
Total risk-based capital ratio16.1035%3,837
Memoranda:
Average total assets$530,179,3301,263
Average earning assets$502,731,3301,222
Average equity$59,462,6701,220
Average total loans$460,275,330922
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7114%269
Cost of funding earning assets0.8023%1,514
Net interest margin4.9090%333
Noninterest income to average assets0.3192%5,139
Noninterest expense to average assets4.1802%732
Loan and lease loss provision to assets-0.1482%6,870
Net operating income to assets0.9333%2,504
Return on assets (ROA)0.9333%2,647
Pretax return on assets0.9333%3,643
Return on Equity (ROE)8.4345%2,752
Retained earnings to average equity (ytd only)8.4345%1,590
Net charge-offs to loans0.2765%1,852
Credit loss provision to net charge-offs-61.6352%5,085
Earnings coverage of net charge-offs (x)3.2642%2,806
Efficiency ratio84.1889%1,740
Assets per employee ($millions)4.1366%3,659
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.0568%621
Loan loss allowance to noncurrent loans57.6637%4,825
Noncurrent assets plus other real estate owned to assets5.2323%677
Noncurrent loans to loans5.3011%706
Net loans and leases to total assets83.5550%208
Net loans and leases to deposits101.9129%284
Net loans and leases to core deposits104.7688%690
Total domestic deposits to total assets81.9866%5,193
Equity capital to assets11.1670%2,781
Core capital (leverage) ratio11.3367%1,990
Tier 1 risk-based capital ratio14.3528%4,266
Total risk-based capital ratio15.6294%4,219
Memoranda:
Average total assets$528,876,5001,280
Average earning assets$500,545,5001,238
Average equity$58,521,5001,249
Average total loans$460,010,000920
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9013%311
Cost of funding earning assets0.9638%1,562
Net interest margin4.9376%420
Noninterest income to average assets0.3885%4,697
Noninterest expense to average assets3.5785%1,662
Loan and lease loss provision to assets0.7375%690
Net operating income to assets0.6972%3,752
Return on assets (ROA)0.7180%3,911
Pretax return on assets0.7180%4,605
Return on Equity (ROE)7.6028%3,288
Retained earnings to average equity (ytd only)7.6028%1,278
Net charge-offs to loans1.0201%1,058
Credit loss provision to net charge-offs84.1557%3,691
Earnings coverage of net charge-offs (x)1.6371%4,626
Efficiency ratio71.3824%3,540
Assets per employee ($millions)4.2603%3,443
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.1195%593
Loan loss allowance to noncurrent loans48.7759%5,191
Noncurrent assets plus other real estate owned to assets5.8065%611
Noncurrent loans to loans6.3956%531
Net loans and leases to total assets85.0316%172
Net loans and leases to deposits103.4370%284
Net loans and leases to core deposits106.7270%660
Total domestic deposits to total assets82.2062%5,030
Equity capital to assets10.9633%2,997
Core capital (leverage) ratio10.6857%2,560
Tier 1 risk-based capital ratio13.9904%4,393
Total risk-based capital ratio15.2684%4,333
Memoranda:
Average total assets$580,493,4001,141
Average earning assets$543,707,8001,111
Average equity$54,821,6001,306
Average total loans$498,696,200828
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8729%350
Cost of funding earning assets0.9969%1,577
Net interest margin4.8759%496
Noninterest income to average assets0.4016%4,628
Noninterest expense to average assets3.4780%1,811
Loan and lease loss provision to assets1.1627%320
Net operating income to assets0.3172%5,556
Return on assets (ROA)0.3444%5,660
Pretax return on assets0.3444%5,863
Return on Equity (ROE)3.7817%5,377
Retained earnings to average equity (ytd only)3.7817%4,230
Net charge-offs to loans1.4164%632
Credit loss provision to net charge-offs96.0119%3,105
Earnings coverage of net charge-offs (x)1.2220%4,682
Efficiency ratio70.1509%3,661
Assets per employee ($millions)4.5851%2,767
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.1695%618
Loan loss allowance to noncurrent loans36.5324%5,827
Noncurrent assets plus other real estate owned to assets8.3662%356
Noncurrent loans to loans8.6759%338
Net loans and leases to total assets82.9014%285
Net loans and leases to deposits99.9848%436
Net loans and leases to core deposits104.7230%824
Total domestic deposits to total assets82.9141%4,674
Equity capital to assets9.9654%4,538
Core capital (leverage) ratio9.8437%3,763
Tier 1 risk-based capital ratio12.6181%5,546
Total risk-based capital ratio13.8900%5,490
Memoranda:
Average total assets$593,548,2501,130
Average earning assets$554,627,0001,099
Average equity$54,048,0001,331
Average total loans$507,454,250822
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8873%352
Cost of funding earning assets1.0313%1,572
Net interest margin4.8560%511
Noninterest income to average assets0.3763%4,828
Noninterest expense to average assets3.4815%1,826
Loan and lease loss provision to assets1.2805%310
Net operating income to assets0.1576%6,024
Return on assets (ROA)0.1975%6,107
Pretax return on assets0.1975%6,155
Return on Equity (ROE)2.2336%5,971
Retained earnings to average equity (ytd only)2.2336%5,073
Net charge-offs to loans1.4305%707
Credit loss provision to net charge-offs104.7478%2,596
Earnings coverage of net charge-offs (x)1.1764%4,422
Efficiency ratio70.7669%3,637
Assets per employee ($millions)4.7388%2,520
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.1474%679
Loan loss allowance to noncurrent loans36.2455%5,860
Noncurrent assets plus other real estate owned to assets8.0577%425
Noncurrent loans to loans8.6837%372
Net loans and leases to total assets83.5827%234
Net loans and leases to deposits99.3705%448
Net loans and leases to core deposits105.0605%789
Total domestic deposits to total assets84.1122%4,270
Equity capital to assets9.5570%4,971
Core capital (leverage) ratio9.3762%4,325
Tier 1 risk-based capital ratio12.1329%5,842
Total risk-based capital ratio13.4105%5,801
Memoranda:
Average total assets$606,464,0001,100
Average earning assets$567,426,0001,070
Average equity$53,634,6701,332
Average total loans$518,274,670800
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7854%437
Cost of funding earning assets1.1113%1,342
Net interest margin4.6741%721
Noninterest income to average assets0.7765%2,267
Noninterest expense to average assets3.3177%2,238
Loan and lease loss provision to assets1.2684%291
Net operating income to assets0.5622%4,538
Return on assets (ROA)0.6396%4,386
Pretax return on assets0.6396%4,972
Return on Equity (ROE)7.5077%3,490
Retained earnings to average equity (ytd only)7.5077%2,169
Net charge-offs to loans1.9157%498
Credit loss provision to net charge-offs77.8257%2,767
Earnings coverage of net charge-offs (x)1.1232%3,770
Efficiency ratio64.4428%4,841
Assets per employee ($millions)5.2345%1,950
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.8402%971
Loan loss allowance to noncurrent loans28.9053%6,228
Noncurrent assets plus other real estate owned to assets9.2806%362
Noncurrent loans to loans9.8258%320
Net loans and leases to total assets81.4428%308
Net loans and leases to deposits98.4806%424
Net loans and leases to core deposits107.2133%635
Total domestic deposits to total assets82.6993%5,041
Equity capital to assets8.6948%5,875
Core capital (leverage) ratio8.5207%5,562
Tier 1 risk-based capital ratio11.1537%6,470
Total risk-based capital ratio12.4266%6,443
Memoranda:
Average total assets$625,365,5001,064
Average earning assets$584,922,5001,031
Average equity$53,278,5001,332
Average total loans$532,038,000784
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1844%321
Cost of funding earning assets1.2667%1,647
Net interest margin4.9177%489
Noninterest income to average assets-0.0040%7,003
Noninterest expense to average assets3.1183%3,137
Loan and lease loss provision to assets2.2441%227
Net operating income to assets-1.5163%6,909
Return on assets (ROA)-1.5163%6,932
Pretax return on assets-0.8254%6,659
Return on Equity (ROE)-16.2514%6,917
Retained earnings to average equity (ytd only)-16.2514%6,896
Net charge-offs to loans2.2117%583
Credit loss provision to net charge-offs115.5906%2,820
Earnings coverage of net charge-offs (x)0.7307%5,261
Efficiency ratio68.7311%4,203
Assets per employee ($millions)4.9458%2,281
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.7950%986
Loan loss allowance to noncurrent loans35.5720%5,864
Noncurrent assets plus other real estate owned to assets7.9166%516
Noncurrent loans to loans7.8574%520
Net loans and leases to total assets83.8866%211
Net loans and leases to deposits102.7838%344
Net loans and leases to core deposits112.8701%542
Total domestic deposits to total assets81.6146%5,262
Equity capital to assets8.3486%6,305
Core capital (leverage) ratio8.2595%5,910
Tier 1 risk-based capital ratio10.5262%6,676
Total risk-based capital ratio11.7993%6,644
Memoranda:
Average total assets$650,203,200996
Average earning assets$600,378,000976
Average equity$60,665,4001,112
Average total loans$570,740,000740
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1255%375
Cost of funding earning assets1.2878%1,771
Net interest margin4.8377%578
Noninterest income to average assets-0.0255%7,137
Noninterest expense to average assets3.1719%2,919
Loan and lease loss provision to assets1.7624%345
Net operating income to assets-0.2974%6,490
Return on assets (ROA)-0.2974%6,549
Pretax return on assets-0.5064%6,625
Return on Equity (ROE)-3.1087%6,565
Retained earnings to average equity (ytd only)-3.1087%6,429
Net charge-offs to loans1.7807%754
Credit loss provision to net charge-offs112.2923%2,912
Earnings coverage of net charge-offs (x)0.8002%5,016
Efficiency ratio71.6356%3,630
Assets per employee ($millions)4.9434%2,269
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.5262%1,358
Loan loss allowance to noncurrent loans26.8429%6,419
Noncurrent assets plus other real estate owned to assets9.1608%424
Noncurrent loans to loans9.4111%398
Net loans and leases to total assets85.5532%142
Net loans and leases to deposits107.1006%225
Net loans and leases to core deposits119.1893%414
Total domestic deposits to total assets79.8811%5,769
Equity capital to assets9.5321%5,033
Core capital (leverage) ratio9.4498%4,228
Tier 1 risk-based capital ratio11.8759%5,981
Total risk-based capital ratio13.1461%5,947
Memoranda:
Average total assets$654,488,250999
Average earning assets$602,472,250979
Average equity$62,618,7501,080
Average total loans$576,843,750740
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1767%342
Cost of funding earning assets1.3166%1,843
Net interest margin4.8601%537
Noninterest income to average assets0.1862%6,331
Noninterest expense to average assets3.0536%3,418
Loan and lease loss provision to assets1.2575%603
Net operating income to assets0.2084%5,711
Return on assets (ROA)0.2084%5,828
Pretax return on assets0.3533%5,534
Return on Equity (ROE)2.1753%5,731
Retained earnings to average equity (ytd only)2.1753%4,902
Net charge-offs to loans0.7589%1,981
Credit loss provision to net charge-offs187.7551%1,610
Earnings coverage of net charge-offs (x)2.4050%3,614
Efficiency ratio65.4663%4,973
Assets per employee ($millions)4.9118%2,243
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.6796%1,201
Loan loss allowance to noncurrent loans31.6995%6,161
Noncurrent assets plus other real estate owned to assets8.8324%480
Noncurrent loans to loans8.4532%510
Net loans and leases to total assets86.0034%140
Net loans and leases to deposits106.9684%236
Net loans and leases to core deposits119.3743%436
Total domestic deposits to total assets80.4008%5,711
Equity capital to assets9.8524%4,326
Core capital (leverage) ratio9.5913%3,817
Tier 1 risk-based capital ratio12.1235%5,692
Total risk-based capital ratio13.3948%5,645
Memoranda:
Average total assets$658,437,670999
Average earning assets$606,700,670979
Average equity$63,072,6701,075
Average total loans$581,109,000742
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1593%354
Cost of funding earning assets1.3718%1,760
Net interest margin4.7875%584
Noninterest income to average assets0.0913%6,964
Noninterest expense to average assets3.1493%3,069
Loan and lease loss provision to assets0.9917%781
Net operating income to assets0.2138%5,743
Return on assets (ROA)0.2138%5,806
Pretax return on assets0.3628%5,464
Return on Equity (ROE)2.2635%5,695
Retained earnings to average equity (ytd only)2.2635%4,794
Net charge-offs to loans0.7580%1,706
Credit loss provision to net charge-offs148.3378%1,925
Earnings coverage of net charge-offs (x)2.0261%3,288
Efficiency ratio69.9253%4,291
Assets per employee ($millions)5.0737%2,061
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.3828%1,632
Loan loss allowance to noncurrent loans33.3808%6,073
Noncurrent assets plus other real estate owned to assets7.3787%691
Noncurrent loans to loans7.1384%761
Net loans and leases to total assets85.3044%167
Net loans and leases to deposits106.1673%245
Net loans and leases to core deposits121.6832%386
Total domestic deposits to total assets80.3490%5,852
Equity capital to assets9.4895%4,450
Core capital (leverage) ratio9.3510%4,052
Tier 1 risk-based capital ratio11.7810%5,869
Total risk-based capital ratio13.0481%5,863
Memoranda:
Average total assets$665,932,0001,001
Average earning assets$613,771,000990
Average equity$62,911,5001,066
Average total loans$587,351,000737
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3870%393
Cost of funding earning assets1.5413%2,401
Net interest margin4.8457%613
Noninterest income to average assets0.2734%5,829
Noninterest expense to average assets2.8564%4,386
Loan and lease loss provision to assets1.2943%1,191
Net operating income to assets0.3779%4,650
Return on assets (ROA)0.3779%4,794
Pretax return on assets0.6410%4,195
Return on Equity (ROE)4.2137%4,426
Retained earnings to average equity (ytd only)4.2137%2,894
Net charge-offs to loans1.5207%1,443
Credit loss provision to net charge-offs95.3019%4,876
Earnings coverage of net charge-offs (x)1.4250%4,690
Efficiency ratio59.6113%6,104
Assets per employee ($millions)5.1324%1,971
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.2398%1,794
Loan loss allowance to noncurrent loans37.8683%5,783
Noncurrent assets plus other real estate owned to assets6.2198%930
Noncurrent loans to loans5.9148%1,062
Net loans and leases to total assets87.0163%132
Net loans and leases to deposits108.1575%268
Net loans and leases to core deposits123.9980%426
Total domestic deposits to total assets80.4533%5,700
Equity capital to assets9.4050%4,540
Core capital (leverage) ratio9.2429%4,104
Tier 1 risk-based capital ratio11.6060%5,814
Total risk-based capital ratio12.8712%5,806
Memoranda:
Average total assets$675,492,000980
Average earning assets$629,852,800958
Average equity$60,588,2001,100
Average total loans$603,267,600738
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3451%465
Cost of funding earning assets1.5718%2,543
Net interest margin4.7733%713
Noninterest income to average assets0.2712%5,948
Noninterest expense to average assets2.8165%4,412
Loan and lease loss provision to assets1.4688%911
Net operating income to assets0.2588%5,319
Return on assets (ROA)0.2588%5,476
Pretax return on assets0.4384%5,115
Return on Equity (ROE)2.9198%5,252
Retained earnings to average equity (ytd only)2.9198%4,379
Net charge-offs to loans1.7177%1,136
Credit loss provision to net charge-offs95.6678%4,533
Earnings coverage of net charge-offs (x)1.2422%4,822
Efficiency ratio59.6251%6,009
Assets per employee ($millions)5.2050%1,930
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.2324%1,736
Loan loss allowance to noncurrent loans34.2373%6,046
Noncurrent assets plus other real estate owned to assets6.4927%878
Noncurrent loans to loans6.5204%917
Net loans and leases to total assets86.6955%155
Net loans and leases to deposits107.9447%301
Net loans and leases to core deposits119.0204%646
Total domestic deposits to total assets80.3147%5,606
Equity capital to assets9.0921%5,454
Core capital (leverage) ratio9.0860%4,547
Tier 1 risk-based capital ratio11.3842%6,033
Total risk-based capital ratio12.6500%6,007
Memoranda:
Average total assets$677,562,250987
Average earning assets$632,028,750960
Average equity$60,047,5001,110
Average total loans$605,613,500735
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3357%476
Cost of funding earning assets1.6163%2,566
Net interest margin4.7194%790
Noninterest income to average assets0.2239%6,315
Noninterest expense to average assets2.8183%4,399
Loan and lease loss provision to assets1.7543%710
Net operating income to assets0.0389%6,011
Return on assets (ROA)0.0389%6,112
Pretax return on assets0.0649%6,045
Return on Equity (ROE)0.4433%6,102
Retained earnings to average equity (ytd only)0.4433%5,588
Net charge-offs to loans1.9234%961
Credit loss provision to net charge-offs101.7802%4,010
Earnings coverage of net charge-offs (x)1.0555%4,737
Efficiency ratio60.7711%5,903
Assets per employee ($millions)5.3306%1,778
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.2915%1,597
Loan loss allowance to noncurrent loans35.0162%6,029
Noncurrent assets plus other real estate owned to assets6.7380%806
Noncurrent loans to loans6.5442%909
Net loans and leases to total assets87.8422%138
Net loans and leases to deposits109.3363%292
Net loans and leases to core deposits122.3032%617
Total domestic deposits to total assets80.3412%5,616
Equity capital to assets8.8744%5,635
Core capital (leverage) ratio8.7992%4,915
Tier 1 risk-based capital ratio10.9670%6,270
Total risk-based capital ratio12.2335%6,243
Memoranda:
Average total assets$677,864,330992
Average earning assets$633,931,000965
Average equity$59,556,0001,110
Average total loans$607,476,330738
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3781%459
Cost of funding earning assets1.6623%2,585
Net interest margin4.7158%759
Noninterest income to average assets0.3254%5,550
Noninterest expense to average assets2.8771%4,151
Loan and lease loss provision to assets1.8057%627
Net operating income to assets0.0329%6,214
Return on assets (ROA)0.0329%6,330
Pretax return on assets0.0552%6,243
Return on Equity (ROE)0.3763%6,314
Retained earnings to average equity (ytd only)0.3763%5,686
Net charge-offs to loans1.5743%1,102
Credit loss provision to net charge-offs128.1902%2,750
Earnings coverage of net charge-offs (x)1.3211%3,953
Efficiency ratio60.7240%6,050
Assets per employee ($millions)5.2945%1,869
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.3930%1,428
Loan loss allowance to noncurrent loans33.8216%6,137
Noncurrent assets plus other real estate owned to assets6.6570%840
Noncurrent loans to loans7.0754%835
Net loans and leases to total assets86.7236%180
Net loans and leases to deposits108.6599%323
Net loans and leases to core deposits124.7560%624
Total domestic deposits to total assets79.8119%5,850
Equity capital to assets8.7895%5,568
Core capital (leverage) ratio8.6922%5,031
Tier 1 risk-based capital ratio11.0147%6,141
Total risk-based capital ratio12.2832%6,094
Memoranda:
Average total assets$680,971,5001,010
Average earning assets$637,177,000983
Average equity$59,531,5001,119
Average total loans$609,300,000755
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5898%563
Cost of funding earning assets2.3504%1,457
Net interest margin4.2394%1,940
Noninterest income to average assets0.3978%5,218
Noninterest expense to average assets3.0864%3,806
Loan and lease loss provision to assets2.7827%659
Net operating income to assets-0.8494%6,472
Return on assets (ROA)-0.8494%6,472
Pretax return on assets-1.4446%6,666
Return on Equity (ROE)-10.0404%6,627
Retained earnings to average equity (ytd only)-10.0404%6,523
Net charge-offs to loans2.0353%1,208
Credit loss provision to net charge-offs152.0267%3,024
Earnings coverage of net charge-offs (x)0.7311%5,366
Efficiency ratio69.7555%4,679
Assets per employee ($millions)5.3457%1,793
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.2277%1,595
Loan loss allowance to noncurrent loans33.6552%6,191
Noncurrent assets plus other real estate owned to assets6.1194%917
Noncurrent loans to loans6.6192%896
Net loans and leases to total assets88.0875%167
Net loans and leases to deposits113.2175%284
Net loans and leases to core deposits167.9980%254
Total domestic deposits to total assets77.8037%6,270
Equity capital to assets8.6953%5,592
Core capital (leverage) ratio8.6942%4,933
Tier 1 risk-based capital ratio10.7820%6,130
Total risk-based capital ratio12.0485%6,086
Memoranda:
Average total assets$671,210,8001,027
Average earning assets$637,545,800978
Average equity$56,780,8001,163
Average total loans$603,641,400781
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6332%578
Cost of funding earning assets2.5043%1,288
Net interest margin4.1288%2,290
Noninterest income to average assets0.4585%4,838
Noninterest expense to average assets3.1824%3,357
Loan and lease loss provision to assets3.1718%441
Net operating income to assets-1.1595%6,936
Return on assets (ROA)-1.1595%6,940
Pretax return on assets-1.9715%7,170
Return on Equity (ROE)-13.8055%7,124
Retained earnings to average equity (ytd only)-13.8055%7,063
Net charge-offs to loans2.2110%871
Credit loss provision to net charge-offs159.5862%2,977
Earnings coverage of net charge-offs (x)0.6039%5,428
Efficiency ratio72.6134%4,125
Assets per employee ($millions)5.4816%1,630
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans2.1914%1,439
Loan loss allowance to noncurrent loans31.6033%6,340
Noncurrent assets plus other real estate owned to assets6.5958%755
Noncurrent loans to loans6.9342%779
Net loans and leases to total assets87.8691%214
Net loans and leases to deposits111.6292%407
Net loans and leases to core deposits166.8405%295
Total domestic deposits to total assets78.7151%5,891
Equity capital to assets8.7975%5,798
Core capital (leverage) ratio8.7367%5,066
Tier 1 risk-based capital ratio10.9836%5,967
Total risk-based capital ratio12.2499%5,920
Memoranda:
Average total assets$667,952,0001,044
Average earning assets$634,835,750997
Average equity$56,101,7501,192
Average total loans$600,434,750801
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6226%631
Cost of funding earning assets2.6729%1,102
Net interest margin3.9497%2,889
Noninterest income to average assets0.5151%4,310
Noninterest expense to average assets3.2755%3,064
Loan and lease loss provision to assets3.9942%309
Net operating income to assets-1.7661%7,350
Return on assets (ROA)-1.7661%7,340
Pretax return on assets-3.0018%7,572
Return on Equity (ROE)-21.3700%7,542
Retained earnings to average equity (ytd only)-21.3700%7,497
Net charge-offs to loans2.4120%736
Credit loss provision to net charge-offs184.1828%2,487
Earnings coverage of net charge-offs (x)0.4576%5,243
Efficiency ratio76.7471%3,557
Assets per employee ($millions)5.3670%1,700
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans2.2026%1,238
Loan loss allowance to noncurrent loans37.2760%5,919
Noncurrent assets plus other real estate owned to assets5.5328%909
Noncurrent loans to loans5.9089%933
Net loans and leases to total assets88.8114%200
Net loans and leases to deposits122.1274%196
Net loans and leases to core deposits183.4899%194
Total domestic deposits to total assets72.7203%7,152
Equity capital to assets8.8318%5,553
Core capital (leverage) ratio8.7843%4,963
Tier 1 risk-based capital ratio10.9399%5,936
Total risk-based capital ratio12.2061%5,860
Memoranda:
Average total assets$665,857,6701,063
Average earning assets$632,655,3301,019
Average equity$55,030,3301,223
Average total loans$598,673,670824
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6113%694
Cost of funding earning assets2.8393%890
Net interest margin3.7720%3,581
Noninterest income to average assets0.5318%4,046
Noninterest expense to average assets3.4148%2,311
Loan and lease loss provision to assets7.5707%79
Net operating income to assets-4.0407%7,981
Return on assets (ROA)-4.0407%7,975
Pretax return on assets-6.8664%8,077
Return on Equity (ROE)-50.6496%8,051
Retained earnings to average equity (ytd only)-50.6496%8,034
Net charge-offs to loans4.3694%266
Credit loss provision to net charge-offs193.6902%2,279
Earnings coverage of net charge-offs (x)0.1802%4,838
Efficiency ratio82.9015%2,427
Assets per employee ($millions)4.7170%2,417
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.2415%1,029
Loan loss allowance to noncurrent loans60.8759%4,542
Noncurrent assets plus other real estate owned to assets3.6449%1,453
Noncurrent loans to loans3.6821%1,700
Net loans and leases to total assets87.3408%315
Net loans and leases to deposits118.6768%319
Net loans and leases to core deposits185.9441%202
Total domestic deposits to total assets73.5955%6,947
Equity capital to assets7.7442%7,135
Core capital (leverage) ratio7.6830%6,908
Tier 1 risk-based capital ratio9.6579%7,288
Total risk-based capital ratio10.9243%7,195
Memoranda:
Average total assets$663,350,0001,069
Average earning assets$630,858,5001,019
Average equity$52,920,5001,281
Average total loans$593,395,000835
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.6295%323
Cost of funding earning assets3.6600%307
Net interest margin3.9695%3,274
Noninterest income to average assets0.6697%3,331
Noninterest expense to average assets3.1503%3,514
Loan and lease loss provision to assets0.8268%1,801
Net operating income to assets0.2815%5,607
Return on assets (ROA)0.2815%5,416
Pretax return on assets0.4781%5,042
Return on Equity (ROE)3.5628%5,010
Retained earnings to average equity (ytd only)3.5628%2,925
Net charge-offs to loans0.4115%2,757
Credit loss provision to net charge-offs225.4390%2,109
Earnings coverage of net charge-offs (x)3.5580%4,314
Efficiency ratio70.7114%4,195
Assets per employee ($millions)4.8658%2,091
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.2477%4,167
Loan loss allowance to noncurrent loans25.3321%6,989
Noncurrent assets plus other real estate owned to assets4.4831%844
Noncurrent loans to loans4.9254%908
Net loans and leases to total assets88.4497%328
Net loans and leases to deposits119.0154%409
Net loans and leases to core deposits166.0738%477
Total domestic deposits to total assets74.3179%6,598
Equity capital to assets8.2159%6,530
Core capital (leverage) ratio8.3258%5,905
Tier 1 risk-based capital ratio10.0820%6,643
Total risk-based capital ratio11.3338%6,520
Memoranda:
Average total assets$636,701,8001,053
Average earning assets$607,186,0001,001
Average equity$50,297,8001,343
Average total loans$567,389,000838