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Concordia Bank & Trust Company, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4336%3,221
Cost of funding earning assets1.4203%2,172
Net interest margin3.0133%3,251
Noninterest income to average assets1.0600%582
Noninterest expense to average assets2.4995%2,298
Loan and lease loss provision to assets0.1500%868
Net operating income to assets1.2470%1,542
Return on assets (ROA)1.3072%1,388
Pretax return on assets1.3072%1,852
Return on Equity (ROE)16.5300%1,013
Retained earnings to average equity (ytd only)6.3525%2,113
Net charge-offs to loans0.1713%620
Credit loss provision to net charge-offs164.1914%1,384
Earnings coverage of net charge-offs (x)15.4868%2,042
Efficiency ratio64.1821%2,587
Assets per employee ($millions)5.8175%2,968
Cash dividends to net income (ytd only)*61.5804%1,127
Condition Ratios (%)
Loss allowance to loans1.0787%2,944
Loan loss allowance to noncurrent loans36.4834%3,698
Noncurrent assets plus other real estate owned to assets1.7914%181
Noncurrent loans to loans2.9568%148
Net loans and leases to total assets53.2700%3,401
Net loans and leases to deposits64.2351%3,281
Net loans and leases to core deposits72.0013%3,191
Total domestic deposits to total assets82.9300%2,908
Equity capital to assets8.2899%3,209
Core capital (leverage) ratio10.3797%2,453
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$672,809,8001,347
Average earning assets$632,194,2001,320
Average equity$53,192,0001,527
Average total loans$353,719,8001,600
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3818%3,134
Cost of funding earning assets1.2993%2,149
Net interest margin3.0826%3,170
Noninterest income to average assets1.1800%508
Noninterest expense to average assets2.4846%2,285
Loan and lease loss provision to assets0.0600%1,749
Net operating income to assets1.5444%1,035
Return on assets (ROA)1.5691%978
Pretax return on assets1.5691%1,417
Return on Equity (ROE)20.1000%713
Retained earnings to average equity (ytd only)11.3704%1,094
Net charge-offs to loans0.2246%393
Credit loss provision to net charge-offs47.8778%1,904
Earnings coverage of net charge-offs (x)13.6435%2,027
Efficiency ratio60.8191%2,872
Assets per employee ($millions)5.6847%3,036
Cash dividends to net income (ytd only)*43.4247%1,508
Condition Ratios (%)
Loss allowance to loans0.9034%3,722
Loan loss allowance to noncurrent loans39.6290%3,706
Noncurrent assets plus other real estate owned to assets1.4358%266
Noncurrent loans to loans2.2795%230
Net loans and leases to total assets54.2600%3,343
Net loans and leases to deposits63.8754%3,278
Net loans and leases to core deposits70.3968%3,190
Total domestic deposits to total assets84.9500%2,515
Equity capital to assets7.7388%3,217
Core capital (leverage) ratio10.4583%2,420
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$669,396,2501,346
Average earning assets$629,981,0001,322
Average equity$52,263,2501,540
Average total loans$349,727,2501,615
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2594%3,175
Cost of funding earning assets1.0899%2,314
Net interest margin3.1695%3,061
Noninterest income to average assets0.4400%2,200
Noninterest expense to average assets2.4066%2,463
Loan and lease loss provision to assets0.0300%2,254
Net operating income to assets0.9883%2,461
Return on assets (ROA)1.0292%2,319
Pretax return on assets1.0292%2,831
Return on Equity (ROE)13.1400%1,872
Retained earnings to average equity (ytd only)2.8290%3,528
Net charge-offs to loans0.3288%255
Credit loss provision to net charge-offs17.8131%1,777
Earnings coverage of net charge-offs (x)6.0247%2,143
Efficiency ratio70.2646%1,743
Assets per employee ($millions)5.7065%2,961
Cash dividends to net income (ytd only)*78.4762%583
Condition Ratios (%)
Loss allowance to loans0.8588%3,878
Loan loss allowance to noncurrent loans99.9043%3,265
Noncurrent assets plus other real estate owned to assets0.5943%908
Noncurrent loans to loans0.8596%883
Net loans and leases to total assets54.1500%3,264
Net loans and leases to deposits64.8669%3,136
Net loans and leases to core deposits70.7296%3,085
Total domestic deposits to total assets83.4800%2,938
Equity capital to assets7.7778%3,362
Core capital (leverage) ratio10.1121%2,644
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$670,823,6671,348
Average earning assets$632,150,0001,323
Average equity$52,527,0001,536
Average total loans$344,904,0001,617
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1844%3,075
Cost of funding earning assets0.8615%2,505
Net interest margin3.3229%2,824
Noninterest income to average assets0.4500%2,092
Noninterest expense to average assets2.4093%2,505
Loan and lease loss provision to assets0.0300%2,084
Net operating income to assets1.1469%2,074
Return on assets (ROA)1.1588%2,008
Pretax return on assets1.1588%2,541
Return on Equity (ROE)14.7500%1,614
Retained earnings to average equity (ytd only)9.3590%1,852
Net charge-offs to loans0.6818%117
Credit loss provision to net charge-offs8.2312%1,407
Earnings coverage of net charge-offs (x)3.4588%1,885
Efficiency ratio67.2199%2,069
Assets per employee ($millions)5.7733%2,960
Cash dividends to net income (ytd only)*36.5503%1,545
Condition Ratios (%)
Loss allowance to loans0.9209%3,797
Loan loss allowance to noncurrent loans119.2860%3,204
Noncurrent assets plus other real estate owned to assets0.5338%968
Noncurrent loans to loans0.7720%1,000
Net loans and leases to total assets50.2500%3,475
Net loans and leases to deposits56.2468%3,557
Net loans and leases to core deposits61.4152%3,479
Total domestic deposits to total assets89.3400%1,406
Equity capital to assets8.1861%3,118
Core capital (leverage) ratio10.0639%2,626
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$672,405,5001,357
Average earning assets$634,742,0001,332
Average equity$52,826,0001,543
Average total loans$335,012,5001,665
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6142%2,763
Cost of funding earning assets0.3823%2,240
Net interest margin3.2318%2,758
Noninterest income to average assets0.5900%1,691
Noninterest expense to average assets2.2250%2,959
Loan and lease loss provision to assets0.0100%2,705
Net operating income to assets1.4146%1,095
Return on assets (ROA)1.3691%1,170
Pretax return on assets1.3691%1,870
Return on Equity (ROE)16.0600%1,045
Retained earnings to average equity (ytd only)5.7009%2,749
Net charge-offs to loans-0.0054%3,655
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio61.0174%2,909
Assets per employee ($millions)6.1309%2,650
Cash dividends to net income (ytd only)*64.4993%816
Condition Ratios (%)
Loss allowance to loans0.6499%4,290
Loan loss allowance to noncurrent loans81.7434%3,462
Noncurrent assets plus other real estate owned to assets0.5198%978
Noncurrent loans to loans0.7950%937
Net loans and leases to total assets48.6500%3,620
Net loans and leases to deposits53.9840%3,679
Net loans and leases to core deposits57.3212%3,655
Total domestic deposits to total assets90.1100%1,314
Equity capital to assets7.5401%3,363
Core capital (leverage) ratio10.0178%2,620
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$657,126,0001,366
Average earning assets$621,473,2001,350
Average equity$56,026,0001,483
Average total loans$311,987,2001,668
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4653%2,731
Cost of funding earning assets0.3354%1,817
Net interest margin3.1300%2,830
Noninterest income to average assets0.6400%1,548
Noninterest expense to average assets2.2217%2,868
Loan and lease loss provision to assets0.0100%2,534
Net operating income to assets1.3706%1,171
Return on assets (ROA)1.2614%1,455
Pretax return on assets1.2614%2,171
Return on Equity (ROE)14.3600%1,335
Retained earnings to average equity (ytd only)5.3856%2,958
Net charge-offs to loans-0.0057%3,513
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio61.7169%2,862
Assets per employee ($millions)6.2489%2,539
Cash dividends to net income (ytd only)*62.4858%805
Condition Ratios (%)
Loss allowance to loans0.6696%4,302
Loan loss allowance to noncurrent loans89.5713%3,456
Noncurrent assets plus other real estate owned to assets0.5076%1,079
Noncurrent loans to loans0.7476%1,087
Net loans and leases to total assets48.6600%3,559
Net loans and leases to deposits54.0008%3,603
Net loans and leases to core deposits59.0052%3,451
Total domestic deposits to total assets90.1200%1,607
Equity capital to assets7.2992%3,336
Core capital (leverage) ratio10.1001%2,447
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$649,743,0001,381
Average earning assets$614,647,5001,368
Average equity$57,088,7501,474
Average total loans$305,930,0001,685
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2652%2,856
Cost of funding earning assets0.3083%1,648
Net interest margin2.9569%3,016
Noninterest income to average assets0.6004%1,735
Noninterest expense to average assets2.2410%2,730
Loan and lease loss provision to assets0.0056%2,503
Net operating income to assets1.1504%1,599
Return on assets (ROA)1.0137%2,077
Pretax return on assets1.0137%2,676
Return on Equity (ROE)10.9063%2,013
Retained earnings to average equity (ytd only)0.2767%4,137
Net charge-offs to loans-0.0100%3,597
Credit loss provision to net charge-offs-120.0000%3,136
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.9704%2,514
Assets per employee ($millions)6.2345%2,535
Cash dividends to net income (ytd only)*97.4633%394
Condition Ratios (%)
Loss allowance to loans0.7148%4,307
Loan loss allowance to noncurrent loans84.0280%3,505
Noncurrent assets plus other real estate owned to assets0.5116%1,117
Noncurrent loans to loans0.8506%1,007
Net loans and leases to total assets44.9143%3,763
Net loans and leases to deposits50.2165%3,803
Net loans and leases to core deposits54.8281%3,649
Total domestic deposits to total assets89.4412%1,981
Equity capital to assets7.6234%3,394
Core capital (leverage) ratio10.1528%2,231
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$645,528,3331,394
Average earning assets$610,496,3331,384
Average equity$60,002,0001,439
Average total loans$299,732,3331,703
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1610%2,794
Cost of funding earning assets0.3200%1,463
Net interest margin2.8411%3,009
Noninterest income to average assets0.5338%1,978
Noninterest expense to average assets2.2661%2,629
Loan and lease loss provision to assets0.0044%2,229
Net operating income to assets0.9490%2,077
Return on assets (ROA)0.8117%2,618
Pretax return on assets0.8117%3,078
Return on Equity (ROE)7.9783%2,700
Retained earnings to average equity (ytd only)0.2354%3,973
Net charge-offs to loans-0.0121%3,660
Credit loss provision to net charge-offs-77.7778%2,859
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.3856%2,177
Assets per employee ($millions)5.6965%3,124
Cash dividends to net income (ytd only)*97.0497%539
Condition Ratios (%)
Loss allowance to loans0.7238%4,350
Loan loss allowance to noncurrent loans76.8319%3,590
Noncurrent assets plus other real estate owned to assets0.7114%796
Noncurrent loans to loans0.9421%969
Net loans and leases to total assets46.3968%3,546
Net loans and leases to deposits52.9154%3,499
Net loans and leases to core deposits58.1252%3,295
Total domestic deposits to total assets87.6811%2,675
Equity capital to assets9.3787%2,386
Core capital (leverage) ratio10.3037%2,012
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$634,745,0001,424
Average earning assets$600,055,5001,409
Average equity$64,575,5001,411
Average total loans$298,709,5001,707
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5691%2,469
Cost of funding earning assets0.4025%1,528
Net interest margin3.1666%2,691
Noninterest income to average assets0.7667%1,544
Noninterest expense to average assets2.3123%2,760
Loan and lease loss provision to assets0.0842%1,455
Net operating income to assets1.3570%1,419
Return on assets (ROA)1.4092%1,308
Pretax return on assets1.4092%2,020
Return on Equity (ROE)12.4877%1,654
Retained earnings to average equity (ytd only)4.8829%2,830
Net charge-offs to loans0.0084%2,265
Credit loss provision to net charge-offs1,996.1538%316
Earnings coverage of net charge-offs (x)341.6154%364
Efficiency ratio61.6046%2,924
Assets per employee ($millions)5.6891%3,071
Cash dividends to net income (ytd only)*60.8981%1,058
Condition Ratios (%)
Loss allowance to loans0.7035%4,409
Loan loss allowance to noncurrent loans59.2799%3,803
Noncurrent assets plus other real estate owned to assets0.8919%658
Noncurrent loans to loans1.1868%811
Net loans and leases to total assets47.0486%3,594
Net loans and leases to deposits54.6647%3,544
Net loans and leases to core deposits58.7490%3,413
Total domestic deposits to total assets86.0676%2,873
Equity capital to assets10.9621%1,814
Core capital (leverage) ratio10.6175%1,826
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$616,300,6001,420
Average earning assets$581,318,4001,409
Average equity$69,548,2001,355
Average total loans$307,855,0001,673
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6586%2,385
Cost of funding earning assets0.4220%1,543
Net interest margin3.2366%2,621
Noninterest income to average assets0.8791%1,294
Noninterest expense to average assets2.3281%2,659
Loan and lease loss provision to assets0.0263%2,471
Net operating income to assets1.5751%1,087
Return on assets (ROA)1.6484%964
Pretax return on assets1.6484%1,556
Return on Equity (ROE)14.4992%1,259
Retained earnings to average equity (ytd only)8.2639%1,969
Net charge-offs to loans0.0078%2,026
Credit loss provision to net charge-offs672.2222%658
Earnings coverage of net charge-offs (x)407.7778%351
Efficiency ratio59.2449%3,095
Assets per employee ($millions)5.6495%3,041
Cash dividends to net income (ytd only)*43.0046%1,485
Condition Ratios (%)
Loss allowance to loans0.5612%4,660
Loan loss allowance to noncurrent loans57.2041%3,874
Noncurrent assets plus other real estate owned to assets0.9747%691
Noncurrent loans to loans0.9811%1,174
Net loans and leases to total assets49.4688%3,472
Net loans and leases to deposits58.0806%3,402
Net loans and leases to core deposits64.2024%3,119
Total domestic deposits to total assets85.1727%3,056
Equity capital to assets11.4740%1,699
Core capital (leverage) ratio10.8297%1,798
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$611,082,0001,443
Average earning assets$575,935,7501,434
Average equity$69,473,2501,370
Average total loans$309,342,2501,694
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7699%2,148
Cost of funding earning assets0.4427%1,574
Net interest margin3.3273%2,355
Noninterest income to average assets0.4858%2,690
Noninterest expense to average assets2.3123%2,731
Loan and lease loss provision to assets0.0398%2,207
Net operating income to assets1.2732%1,940
Return on assets (ROA)1.3587%1,761
Pretax return on assets1.3587%2,441
Return on Equity (ROE)11.9891%2,072
Retained earnings to average equity (ytd only)4.4523%3,379
Net charge-offs to loans0.0097%1,784
Credit loss provision to net charge-offs806.6667%539
Earnings coverage of net charge-offs (x)265.9333%413
Efficiency ratio63.7825%2,460
Assets per employee ($millions)5.3391%3,297
Cash dividends to net income (ytd only)*62.8634%848
Condition Ratios (%)
Loss allowance to loans0.5583%4,696
Loan loss allowance to noncurrent loans47.8908%3,984
Noncurrent assets plus other real estate owned to assets1.0984%676
Noncurrent loans to loans1.1657%1,041
Net loans and leases to total assets50.3924%3,521
Net loans and leases to deposits59.0187%3,462
Net loans and leases to core deposits64.9680%3,197
Total domestic deposits to total assets85.3839%2,949
Equity capital to assets11.2801%1,769
Core capital (leverage) ratio10.3734%2,056
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$607,626,6671,444
Average earning assets$573,325,6671,437
Average equity$68,862,6671,372
Average total loans$309,403,6671,703
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8477%1,959
Cost of funding earning assets0.4646%1,625
Net interest margin3.3832%2,158
Noninterest income to average assets0.4301%2,931
Noninterest expense to average assets2.3314%2,697
Loan and lease loss provision to assets0.0046%2,697
Net operating income to assets1.2845%1,874
Return on assets (ROA)1.4221%1,592
Pretax return on assets1.4221%2,220
Return on Equity (ROE)12.5188%1,829
Retained earnings to average equity (ytd only)8.7090%2,036
Net charge-offs to loans0.0013%1,894
Credit loss provision to net charge-offs700.0000%510
Earnings coverage of net charge-offs (x)1,948.0000%40
Efficiency ratio64.3941%2,421
Assets per employee ($millions)5.2270%3,403
Cash dividends to net income (ytd only)*30.4328%1,706
Condition Ratios (%)
Loss allowance to loans0.5356%4,747
Loan loss allowance to noncurrent loans46.3760%4,032
Noncurrent assets plus other real estate owned to assets1.1714%640
Noncurrent loans to loans1.1550%1,152
Net loans and leases to total assets49.3139%3,686
Net loans and leases to deposits57.5037%3,675
Net loans and leases to core deposits64.2651%3,390
Total domestic deposits to total assets85.7579%2,831
Equity capital to assets11.0732%1,810
Core capital (leverage) ratio10.4972%2,088
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$604,443,5001,438
Average earning assets$569,998,0001,429
Average equity$68,664,5001,370
Average total loans$308,534,0001,705
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8989%3,031
Cost of funding earning assets0.6479%2,007
Net interest margin3.2511%3,208
Noninterest income to average assets0.5177%2,556
Noninterest expense to average assets2.5395%2,721
Loan and lease loss provision to assets0.0990%3,099
Net operating income to assets0.9296%2,563
Return on assets (ROA)0.9133%2,773
Pretax return on assets0.9133%3,330
Return on Equity (ROE)7.5897%2,967
Retained earnings to average equity (ytd only)-3.5121%4,795
Net charge-offs to loans0.0700%1,791
Credit loss provision to net charge-offs264.1509%1,872
Earnings coverage of net charge-offs (x)27.4481%1,682
Efficiency ratio71.1731%1,785
Assets per employee ($millions)4.9342%3,461
Cash dividends to net income (ytd only)*146.2744%100
Condition Ratios (%)
Loss allowance to loans0.5240%4,773
Loan loss allowance to noncurrent loans28.3702%4,297
Noncurrent assets plus other real estate owned to assets1.6210%424
Noncurrent loans to loans1.8470%663
Net loans and leases to total assets52.2947%3,640
Net loans and leases to deposits61.6060%3,637
Net loans and leases to core deposits66.7551%3,482
Total domestic deposits to total assets84.8858%2,808
Equity capital to assets11.6587%1,759
Core capital (leverage) ratio10.7757%1,954
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$565,747,6001,406
Average earning assets$530,811,0001,390
Average equity$68,078,8001,322
Average total loans$302,671,8001,673
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0266%2,899
Cost of funding earning assets0.6945%2,054
Net interest margin3.3322%3,092
Noninterest income to average assets0.5258%2,498
Noninterest expense to average assets2.5805%2,595
Loan and lease loss provision to assets0.0989%3,088
Net operating income to assets0.9698%2,452
Return on assets (ROA)0.8918%2,854
Pretax return on assets0.8918%3,398
Return on Equity (ROE)7.3504%3,073
Retained earnings to average equity (ytd only)-3.6555%4,802
Net charge-offs to loans0.0759%1,551
Credit loss provision to net charge-offs242.6901%1,949
Earnings coverage of net charge-offs (x)26.2105%1,702
Efficiency ratio70.7135%1,787
Assets per employee ($millions)4.5997%3,724
Cash dividends to net income (ytd only)*149.7326%94
Condition Ratios (%)
Loss allowance to loans0.5046%4,811
Loan loss allowance to noncurrent loans24.4395%4,370
Noncurrent assets plus other real estate owned to assets1.7883%426
Noncurrent loans to loans2.0647%584
Net loans and leases to total assets52.7546%3,914
Net loans and leases to deposits62.7612%3,884
Net loans and leases to core deposits70.9431%3,560
Total domestic deposits to total assets84.0560%2,800
Equity capital to assets12.0646%1,635
Core capital (leverage) ratio10.9223%1,938
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$559,160,0001,400
Average earning assets$524,131,2501,391
Average equity$67,840,7501,313
Average total loans$300,523,0001,677
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1581%2,888
Cost of funding earning assets0.7564%2,073
Net interest margin3.4017%3,096
Noninterest income to average assets0.4760%2,674
Noninterest expense to average assets2.5904%2,692
Loan and lease loss provision to assets0.1080%2,928
Net operating income to assets0.9726%2,417
Return on assets (ROA)0.8509%2,979
Pretax return on assets0.8509%3,455
Return on Equity (ROE)6.9997%3,130
Retained earnings to average equity (ytd only)-8.1313%4,885
Net charge-offs to loans0.0714%1,534
Credit loss provision to net charge-offs281.3084%1,670
Earnings coverage of net charge-offs (x)28.0467%1,475
Efficiency ratio70.5640%1,872
Assets per employee ($millions)4.6813%3,552
Cash dividends to net income (ytd only)*216.1659%85
Condition Ratios (%)
Loss allowance to loans0.4705%4,860
Loan loss allowance to noncurrent loans25.1790%4,419
Noncurrent assets plus other real estate owned to assets1.6664%510
Noncurrent loans to loans1.8685%740
Net loans and leases to total assets53.8291%3,888
Net loans and leases to deposits63.6246%3,907
Net loans and leases to core deposits71.0027%3,643
Total domestic deposits to total assets84.6042%2,529
Equity capital to assets11.6160%1,901
Core capital (leverage) ratio10.7229%2,175
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$555,425,3331,381
Average earning assets$521,685,0001,373
Average equity$67,517,0001,307
Average total loans$299,891,0001,663
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0515%3,648
Cost of funding earning assets0.8470%2,127
Net interest margin3.2045%3,844
Noninterest income to average assets0.5799%2,131
Noninterest expense to average assets2.6303%2,891
Loan and lease loss provision to assets0.1061%2,357
Net operating income to assets0.8510%2,707
Return on assets (ROA)0.5703%3,749
Pretax return on assets0.5703%3,979
Return on Equity (ROE)4.5825%3,790
Retained earnings to average equity (ytd only)0.9236%3,764
Net charge-offs to loans0.1393%902
Credit loss provision to net charge-offs141.1765%1,617
Earnings coverage of net charge-offs (x)12.7353%1,681
Efficiency ratio73.3210%1,902
Assets per employee ($millions)4.4913%3,271
Cash dividends to net income (ytd only)*79.8450%1,038
Condition Ratios (%)
Loss allowance to loans0.4488%4,921
Loan loss allowance to noncurrent loans28.3483%4,419
Noncurrent assets plus other real estate owned to assets1.5948%648
Noncurrent loans to loans1.5831%993
Net loans and leases to total assets53.2030%4,047
Net loans and leases to deposits63.5969%4,002
Net loans and leases to core deposits73.2086%3,683
Total domestic deposits to total assets83.6566%2,902
Equity capital to assets12.4604%1,758
Core capital (leverage) ratio11.6634%1,951
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$542,897,0001,370
Average earning assets$509,541,0001,352
Average equity$67,561,0001,304
Average total loans$292,864,0001,668
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2499%3,678
Cost of funding earning assets0.8828%2,270
Net interest margin3.3671%3,834
Noninterest income to average assets0.7192%1,746
Noninterest expense to average assets2.7384%2,779
Loan and lease loss provision to assets0.0905%2,214
Net operating income to assets1.0504%2,653
Return on assets (ROA)1.1245%2,453
Pretax return on assets1.1245%3,096
Return on Equity (ROE)8.9874%2,762
Retained earnings to average equity (ytd only)1.8311%4,067
Net charge-offs to loans0.0854%1,895
Credit loss provision to net charge-offs197.8903%1,341
Earnings coverage of net charge-offs (x)24.9409%1,756
Efficiency ratio70.5906%2,084
Assets per employee ($millions)4.2669%3,558
Cash dividends to net income (ytd only)*79.6258%811
Condition Ratios (%)
Loss allowance to loans0.4413%4,955
Loan loss allowance to noncurrent loans18.6500%4,544
Noncurrent assets plus other real estate owned to assets1.7662%503
Noncurrent loans to loans2.3663%490
Net loans and leases to total assets54.2240%4,061
Net loans and leases to deposits65.0158%4,006
Net loans and leases to core deposits74.3217%3,693
Total domestic deposits to total assets83.4014%3,072
Equity capital to assets12.4281%1,865
Core capital (leverage) ratio12.1238%1,698
Tier 1 risk-based capital ratio18.3882%1,668
Total risk-based capital ratio18.7596%1,841
Memoranda:
Average total assets$518,108,4001,379
Average earning assets$486,268,8001,364
Average equity$64,824,4001,297
Average total loans$277,533,4001,702
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2708%3,745
Cost of funding earning assets0.8773%2,335
Net interest margin3.3935%3,877
Noninterest income to average assets0.7409%1,620
Noninterest expense to average assets2.7576%2,690
Loan and lease loss provision to assets0.1024%1,875
Net operating income to assets1.0658%2,711
Return on assets (ROA)1.1257%2,561
Pretax return on assets1.1257%3,219
Return on Equity (ROE)8.9812%2,899
Retained earnings to average equity (ytd only)3.1668%3,825
Net charge-offs to loans0.1040%1,432
Credit loss provision to net charge-offs184.5794%1,406
Earnings coverage of net charge-offs (x)21.0558%1,929
Efficiency ratio70.2437%2,083
Assets per employee ($millions)4.1241%3,723
Cash dividends to net income (ytd only)*64.7398%1,123
Condition Ratios (%)
Loss allowance to loans0.4181%5,050
Loan loss allowance to noncurrent loans28.0602%4,527
Noncurrent assets plus other real estate owned to assets1.3096%921
Noncurrent loans to loans1.4900%1,016
Net loans and leases to total assets55.9792%4,047
Net loans and leases to deposits69.4174%3,808
Net loans and leases to core deposits78.5339%3,506
Total domestic deposits to total assets80.6415%3,840
Equity capital to assets12.8110%1,724
Core capital (leverage) ratio12.3657%1,648
Tier 1 risk-based capital ratio18.3628%1,720
Total risk-based capital ratio18.7167%1,922
Memoranda:
Average total assets$514,294,7501,397
Average earning assets$482,674,0001,376
Average equity$64,458,7501,303
Average total loans$274,293,5001,729
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2210%3,870
Cost of funding earning assets0.8324%2,493
Net interest margin3.3885%3,926
Noninterest income to average assets0.6867%1,773
Noninterest expense to average assets2.7844%2,645
Loan and lease loss provision to assets0.0732%2,351
Net operating income to assets1.0099%2,882
Return on assets (ROA)1.0756%2,690
Pretax return on assets1.0756%3,304
Return on Equity (ROE)8.6476%3,005
Retained earnings to average equity (ytd only)1.3527%4,334
Net charge-offs to loans0.0112%2,730
Credit loss provision to net charge-offs1,246.6667%286
Earnings coverage of net charge-offs (x)184.5333%419
Efficiency ratio71.9951%1,919
Assets per employee ($millions)4.1230%3,696
Cash dividends to net income (ytd only)*84.3579%731
Condition Ratios (%)
Loss allowance to loans0.4270%5,086
Loan loss allowance to noncurrent loans40.3300%4,375
Noncurrent assets plus other real estate owned to assets1.0327%1,339
Noncurrent loans to loans1.0588%1,549
Net loans and leases to total assets54.8518%4,154
Net loans and leases to deposits67.8135%3,981
Net loans and leases to core deposits78.1541%3,564
Total domestic deposits to total assets80.8863%3,851
Equity capital to assets12.5843%1,811
Core capital (leverage) ratio12.2647%1,669
Tier 1 risk-based capital ratio18.2927%1,729
Total risk-based capital ratio18.6491%1,924
Memoranda:
Average total assets$511,140,0001,398
Average earning assets$479,797,0001,383
Average equity$63,578,6701,312
Average total loans$267,582,3301,763
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1668%3,961
Cost of funding earning assets0.7918%2,584
Net interest margin3.3750%3,961
Noninterest income to average assets0.7826%1,330
Noninterest expense to average assets2.8750%2,343
Loan and lease loss provision to assets0.0363%2,896
Net operating income to assets1.0359%2,720
Return on assets (ROA)1.0974%2,527
Pretax return on assets1.0974%3,157
Return on Equity (ROE)8.8712%2,864
Retained earnings to average equity (ytd only)5.7335%2,577
Net charge-offs to loans0.0062%2,474
Credit loss provision to net charge-offs1,150.0000%332
Earnings coverage of net charge-offs (x)339.7500%236
Efficiency ratio72.8363%1,904
Assets per employee ($millions)4.1262%3,729
Cash dividends to net income (ytd only)*35.3702%2,060
Condition Ratios (%)
Loss allowance to loans0.4158%5,159
Loan loss allowance to noncurrent loans40.9295%4,427
Noncurrent assets plus other real estate owned to assets0.9548%1,471
Noncurrent loans to loans1.0160%1,639
Net loans and leases to total assets51.5275%4,374
Net loans and leases to deposits62.0291%4,301
Net loans and leases to core deposits68.8532%4,139
Total domestic deposits to total assets83.0699%3,359
Equity capital to assets12.6429%1,659
Core capital (leverage) ratio12.4400%1,545
Tier 1 risk-based capital ratio19.5791%1,426
Total risk-based capital ratio19.9171%1,576
Memoranda:
Average total assets$506,998,0001,416
Average earning assets$475,376,5001,402
Average equity$62,719,5001,324
Average total loans$258,284,0001,816
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9161%4,240
Cost of funding earning assets0.5951%2,759
Net interest margin3.3210%4,201
Noninterest income to average assets0.6916%1,879
Noninterest expense to average assets2.5859%3,375
Loan and lease loss provision to assets0.0615%2,927
Net operating income to assets1.1547%2,362
Return on assets (ROA)1.1599%2,344
Pretax return on assets1.1599%3,059
Return on Equity (ROE)9.6096%2,687
Retained earnings to average equity (ytd only)2.0452%4,340
Net charge-offs to loans0.0986%1,777
Credit loss provision to net charge-offs127.5720%2,067
Earnings coverage of net charge-offs (x)25.2222%1,782
Efficiency ratio68.0115%2,543
Assets per employee ($millions)4.1857%3,631
Cash dividends to net income (ytd only)*78.7169%749
Condition Ratios (%)
Loss allowance to loans0.4135%5,201
Loan loss allowance to noncurrent loans51.2445%4,299
Noncurrent assets plus other real estate owned to assets0.8526%1,640
Noncurrent loans to loans0.8068%1,990
Net loans and leases to total assets49.9359%4,526
Net loans and leases to deposits59.6417%4,498
Net loans and leases to core deposits65.7926%4,370
Total domestic deposits to total assets83.7265%3,072
Equity capital to assets12.0981%1,822
Core capital (leverage) ratio12.1438%1,645
Tier 1 risk-based capital ratio19.7978%1,341
Total risk-based capital ratio20.1344%1,500
Memoranda:
Average total assets$503,928,2001,400
Average earning assets$472,000,4001,382
Average equity$60,824,6001,303
Average total loans$246,563,4001,841
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8607%4,300
Cost of funding earning assets0.5412%2,924
Net interest margin3.3195%4,224
Noninterest income to average assets0.6655%2,001
Noninterest expense to average assets2.6086%3,256
Loan and lease loss provision to assets0.0697%2,575
Net operating income to assets1.0973%2,678
Return on assets (ROA)1.1042%2,658
Pretax return on assets1.1042%3,379
Return on Equity (ROE)9.1533%3,021
Retained earnings to average equity (ytd only)3.0438%4,217
Net charge-offs to loans0.1269%1,248
Credit loss provision to net charge-offs112.8755%2,076
Earnings coverage of net charge-offs (x)18.9055%2,035
Efficiency ratio69.0921%2,341
Assets per employee ($millions)4.0819%3,763
Cash dividends to net income (ytd only)*66.7467%953
Condition Ratios (%)
Loss allowance to loans0.4135%5,272
Loan loss allowance to noncurrent loans31.0260%4,726
Noncurrent assets plus other real estate owned to assets1.1882%1,183
Noncurrent loans to loans1.3327%1,251
Net loans and leases to total assets48.9912%4,665
Net loans and leases to deposits58.4706%4,623
Net loans and leases to core deposits63.9613%4,519
Total domestic deposits to total assets83.7876%3,021
Equity capital to assets12.1619%1,795
Core capital (leverage) ratio12.4092%1,551
Tier 1 risk-based capital ratio20.2425%1,287
Total risk-based capital ratio20.5737%1,437
Memoranda:
Average total assets$503,293,0001,406
Average earning assets$471,545,7501,385
Average equity$60,712,5001,303
Average total loans$244,714,2501,857
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7934%4,361
Cost of funding earning assets0.4879%3,107
Net interest margin3.3055%4,231
Noninterest income to average assets0.6550%2,069
Noninterest expense to average assets2.6203%3,265
Loan and lease loss provision to assets0.0729%2,431
Net operating income to assets1.0577%2,767
Return on assets (ROA)1.0672%2,725
Pretax return on assets1.0672%3,443
Return on Equity (ROE)8.8708%3,081
Retained earnings to average equity (ytd only)1.3002%4,687
Net charge-offs to loans0.1357%1,107
Credit loss provision to net charge-offs110.8434%1,886
Earnings coverage of net charge-offs (x)17.1988%1,962
Efficiency ratio69.8585%2,338
Assets per employee ($millions)4.1214%3,692
Cash dividends to net income (ytd only)*85.3432%605
Condition Ratios (%)
Loss allowance to loans0.4082%5,351
Loan loss allowance to noncurrent loans30.1961%4,754
Noncurrent assets plus other real estate owned to assets1.2105%1,186
Noncurrent loans to loans1.3517%1,255
Net loans and leases to total assets49.8010%4,622
Net loans and leases to deposits59.2466%4,573
Net loans and leases to core deposits64.3639%4,470
Total domestic deposits to total assets84.0572%3,046
Equity capital to assets12.2493%1,697
Core capital (leverage) ratio12.2129%1,591
Tier 1 risk-based capital ratio20.0859%1,304
Total risk-based capital ratio20.4160%1,469
Memoranda:
Average total assets$505,058,6701,399
Average earning assets$473,035,0001,389
Average equity$60,761,3301,303
Average total loans$244,623,3301,869
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7169%4,433
Cost of funding earning assets0.4559%3,160
Net interest margin3.2610%4,286
Noninterest income to average assets0.5293%2,634
Noninterest expense to average assets2.5419%3,526
Loan and lease loss provision to assets0.0344%3,047
Net operating income to assets1.0079%2,827
Return on assets (ROA)1.0266%2,762
Pretax return on assets1.0266%3,441
Return on Equity (ROE)8.6083%3,100
Retained earnings to average equity (ytd only)5.4530%2,972
Net charge-offs to loans0.0213%2,075
Credit loss provision to net charge-offs338.4615%756
Earnings coverage of net charge-offs (x)102.6923%603
Efficiency ratio70.9214%2,358
Assets per employee ($millions)4.3102%3,467
Cash dividends to net income (ytd only)*36.6540%1,947
Condition Ratios (%)
Loss allowance to loans0.4168%5,416
Loan loss allowance to noncurrent loans26.2626%4,856
Noncurrent assets plus other real estate owned to assets1.2162%1,246
Noncurrent loans to loans1.5870%1,096
Net loans and leases to total assets48.0437%4,694
Net loans and leases to deposits57.0197%4,643
Net loans and leases to core deposits62.5780%4,514
Total domestic deposits to total assets84.2580%3,215
Equity capital to assets12.0477%1,753
Core capital (leverage) ratio12.0844%1,604
Tier 1 risk-based capital ratio20.0789%1,329
Total risk-based capital ratio20.4108%1,470
Memoranda:
Average total assets$512,365,0001,392
Average earning assets$479,974,5001,385
Average equity$61,104,0001,308
Average total loans$244,311,0001,881
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6144%4,542
Cost of funding earning assets0.4430%2,847
Net interest margin3.1714%4,517
Noninterest income to average assets0.5726%2,591
Noninterest expense to average assets2.5695%3,545
Loan and lease loss provision to assets0.0316%3,639
Net operating income to assets0.9370%2,511
Return on assets (ROA)0.9391%2,537
Pretax return on assets0.9391%3,783
Return on Equity (ROE)7.7627%2,909
Retained earnings to average equity (ytd only)-0.1997%5,063
Net charge-offs to loans0.0463%2,860
Credit loss provision to net charge-offs151.4019%1,763
Earnings coverage of net charge-offs (x)46.4579%1,156
Efficiency ratio72.1240%2,204
Assets per employee ($millions)4.1971%3,661
Cash dividends to net income (ytd only)*102.5726%321
Condition Ratios (%)
Loss allowance to loans0.4007%5,487
Loan loss allowance to noncurrent loans33.0420%4,812
Noncurrent assets plus other real estate owned to assets0.8168%1,912
Noncurrent loans to loans1.2127%1,460
Net loans and leases to total assets46.9498%4,832
Net loans and leases to deposits55.4648%4,825
Net loans and leases to core deposits60.7169%4,720
Total domestic deposits to total assets84.6478%2,971
Equity capital to assets11.8078%1,976
Core capital (leverage) ratio11.8110%1,716
Tier 1 risk-based capital ratio19.8026%1,359
Total risk-based capital ratio20.1243%1,501
Memoranda:
Average total assets$513,254,8001,362
Average earning assets$479,909,6001,356
Average equity$62,091,4001,275
Average total loans$231,336,8001,930
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5839%4,598
Cost of funding earning assets0.4386%2,824
Net interest margin3.1454%4,589
Noninterest income to average assets0.6546%2,183
Noninterest expense to average assets2.5649%3,517
Loan and lease loss provision to assets0.0362%3,387
Net operating income to assets0.9982%2,563
Return on assets (ROA)1.0010%2,600
Pretax return on assets1.0010%3,689
Return on Equity (ROE)8.2245%3,010
Retained earnings to average equity (ytd only)1.7134%4,740
Net charge-offs to loans0.0556%2,338
Credit loss provision to net charge-offs146.3158%1,720
Earnings coverage of net charge-offs (x)41.7695%1,258
Efficiency ratio70.6019%2,433
Assets per employee ($millions)4.1810%3,682
Cash dividends to net income (ytd only)*79.1667%667
Condition Ratios (%)
Loss allowance to loans0.4163%5,550
Loan loss allowance to noncurrent loans34.6154%4,866
Noncurrent assets plus other real estate owned to assets0.9259%1,847
Noncurrent loans to loans1.2026%1,585
Net loans and leases to total assets45.5837%4,959
Net loans and leases to deposits54.2336%4,951
Net loans and leases to core deposits59.4601%4,843
Total domestic deposits to total assets84.0506%3,108
Equity capital to assets12.3747%1,733
Core capital (leverage) ratio12.1403%1,609
Tier 1 risk-based capital ratio20.8144%1,231
Total risk-based capital ratio21.1440%1,346
Memoranda:
Average total assets$511,459,7501,380
Average earning assets$478,827,5001,370
Average equity$62,251,2501,278
Average total loans$227,839,5001,957
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5550%4,623
Cost of funding earning assets0.4299%2,802
Net interest margin3.1251%4,618
Noninterest income to average assets0.6126%2,397
Noninterest expense to average assets2.5359%3,626
Loan and lease loss provision to assets0.0441%3,107
Net operating income to assets0.9580%2,619
Return on assets (ROA)0.9623%2,658
Pretax return on assets0.9623%3,718
Return on Equity (ROE)7.9501%3,060
Retained earnings to average equity (ytd only)-0.0291%5,084
Net charge-offs to loans0.0620%2,035
Credit loss provision to net charge-offs161.4286%1,454
Earnings coverage of net charge-offs (x)36.6429%1,326
Efficiency ratio71.6762%2,401
Assets per employee ($millions)4.2462%3,525
Cash dividends to net income (ytd only)*100.3654%473
Condition Ratios (%)
Loss allowance to loans0.4285%5,586
Loan loss allowance to noncurrent loans49.5408%4,596
Noncurrent assets plus other real estate owned to assets0.7106%2,432
Noncurrent loans to loans0.8650%2,250
Net loans and leases to total assets44.2809%5,027
Net loans and leases to deposits52.5103%5,038
Net loans and leases to core deposits58.1448%4,914
Total domestic deposits to total assets84.3280%3,076
Equity capital to assets12.2935%1,738
Core capital (leverage) ratio11.9076%1,687
Tier 1 risk-based capital ratio20.7907%1,226
Total risk-based capital ratio21.1241%1,359
Memoranda:
Average total assets$511,919,0001,383
Average earning assets$479,212,3301,374
Average equity$61,961,3301,282
Average total loans$225,957,3301,970
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5424%4,566
Cost of funding earning assets0.4188%2,825
Net interest margin3.1236%4,588
Noninterest income to average assets0.6322%2,257
Noninterest expense to average assets2.5180%3,753
Loan and lease loss provision to assets0.0476%2,862
Net operating income to assets0.9854%2,367
Return on assets (ROA)0.9854%2,416
Pretax return on assets0.9854%3,426
Return on Equity (ROE)8.2049%2,809
Retained earnings to average equity (ytd only)4.5179%3,162
Net charge-offs to loans0.1117%1,276
Credit loss provision to net charge-offs96.8254%1,639
Earnings coverage of net charge-offs (x)21.0317%1,463
Efficiency ratio70.9111%2,755
Assets per employee ($millions)4.2563%3,577
Cash dividends to net income (ytd only)*44.9367%1,849
Condition Ratios (%)
Loss allowance to loans0.4106%5,679
Loan loss allowance to noncurrent loans45.1047%4,751
Noncurrent assets plus other real estate owned to assets0.7998%2,299
Noncurrent loans to loans0.9103%2,213
Net loans and leases to total assets43.9731%5,043
Net loans and leases to deposits52.0787%5,029
Net loans and leases to core deposits56.2699%4,964
Total domestic deposits to total assets84.4359%3,314
Equity capital to assets12.1975%1,711
Core capital (leverage) ratio11.9493%1,662
Tier 1 risk-based capital ratio21.1447%1,203
Total risk-based capital ratio21.4644%1,321
Memoranda:
Average total assets$513,109,5001,385
Average earning assets$479,452,0001,378
Average equity$61,622,0001,287
Average total loans$225,636,5001,981
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5098%4,757
Cost of funding earning assets0.4141%2,874
Net interest margin3.0957%4,735
Noninterest income to average assets0.7365%2,009
Noninterest expense to average assets2.4702%4,105
Loan and lease loss provision to assets0.0120%4,136
Net operating income to assets1.1651%1,627
Return on assets (ROA)1.2080%1,565
Pretax return on assets1.2080%2,628
Return on Equity (ROE)10.0148%1,953
Retained earnings to average equity (ytd only)2.6103%4,036
Net charge-offs to loans0.0272%3,491
Credit loss provision to net charge-offs103.3333%2,502
Earnings coverage of net charge-offs (x)101.0667%593
Efficiency ratio67.7258%3,296
Assets per employee ($millions)4.2600%3,514
Cash dividends to net income (ytd only)*73.9354%1,143
Condition Ratios (%)
Loss allowance to loans0.4111%5,729
Loan loss allowance to noncurrent loans26.6284%5,144
Noncurrent assets plus other real estate owned to assets0.9584%1,975
Noncurrent loans to loans1.5437%1,292
Net loans and leases to total assets43.6159%5,136
Net loans and leases to deposits51.5076%5,144
Net loans and leases to core deposits55.8013%5,054
Total domestic deposits to total assets84.6785%3,179
Equity capital to assets11.8233%1,920
Core capital (leverage) ratio11.8057%1,720
Tier 1 risk-based capital ratio21.1000%1,193
Total risk-based capital ratio21.4235%1,322
Memoranda:
Average total assets$515,147,8001,333
Average earning assets$484,386,8001,308
Average equity$62,137,8001,262
Average total loans$220,811,6001,971
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5002%4,796
Cost of funding earning assets0.4147%2,888
Net interest margin3.0855%4,810
Noninterest income to average assets0.7662%1,910
Noninterest expense to average assets2.4693%4,075
Loan and lease loss provision to assets0.0096%4,049
Net operating income to assets1.1915%1,665
Return on assets (ROA)1.2182%1,677
Pretax return on assets1.2182%2,764
Return on Equity (ROE)10.0495%2,030
Retained earnings to average equity (ytd only)4.1044%3,390
Net charge-offs to loans0.0109%3,548
Credit loss provision to net charge-offs205.5556%1,413
Earnings coverage of net charge-offs (x)257.7713%315
Efficiency ratio67.2755%3,363
Assets per employee ($millions)4.2588%3,490
Cash dividends to net income (ytd only)*59.1586%1,455
Condition Ratios (%)
Loss allowance to loans0.4224%5,781
Loan loss allowance to noncurrent loans28.9345%5,197
Noncurrent assets plus other real estate owned to assets0.9402%2,214
Noncurrent loans to loans1.4598%1,482
Net loans and leases to total assets43.5936%5,217
Net loans and leases to deposits51.9604%5,201
Net loans and leases to core deposits56.3783%5,131
Total domestic deposits to total assets83.8978%3,236
Equity capital to assets12.4615%1,802
Core capital (leverage) ratio12.0486%1,642
Tier 1 risk-based capital ratio21.3994%1,207
Total risk-based capital ratio21.7317%1,324
Memoranda:
Average total assets$515,068,2501,336
Average earning assets$484,794,0001,312
Average equity$62,436,0001,261
Average total loans$219,576,2501,984
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4712%4,941
Cost of funding earning assets0.4154%2,881
Net interest margin3.0557%4,961
Noninterest income to average assets0.7781%1,816
Noninterest expense to average assets2.4485%4,188
Loan and lease loss provision to assets0.0070%3,929
Net operating income to assets1.1998%1,599
Return on assets (ROA)1.2184%1,635
Pretax return on assets1.2184%2,708
Return on Equity (ROE)10.1452%1,985
Retained earnings to average equity (ytd only)2.7217%4,175
Net charge-offs to loans0.0156%3,213
Credit loss provision to net charge-offs105.8824%2,019
Earnings coverage of net charge-offs (x)183.2941%356
Efficiency ratio66.9845%3,541
Assets per employee ($millions)4.2205%3,521
Cash dividends to net income (ytd only)*73.1723%1,082
Condition Ratios (%)
Loss allowance to loans0.4235%5,864
Loan loss allowance to noncurrent loans41.2367%5,025
Noncurrent assets plus other real estate owned to assets0.7582%2,707
Noncurrent loans to loans1.0271%2,232
Net loans and leases to total assets43.0336%5,280
Net loans and leases to deposits51.2736%5,285
Net loans and leases to core deposits56.1492%5,161
Total domestic deposits to total assets83.9294%3,293
Equity capital to assets12.2958%1,907
Core capital (leverage) ratio11.6246%1,894
Tier 1 risk-based capital ratio21.5329%1,194
Total risk-based capital ratio21.8668%1,308
Memoranda:
Average total assets$516,404,0001,339
Average earning assets$486,233,0001,312
Average equity$62,019,3301,272
Average total loans$218,190,0001,997
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4454%5,016
Cost of funding earning assets0.4175%2,881
Net interest margin3.0278%5,050
Noninterest income to average assets0.9268%1,245
Noninterest expense to average assets2.4036%4,356
Loan and lease loss provision to assets0.0008%3,654
Net operating income to assets1.3764%1,084
Return on assets (ROA)1.3802%1,133
Pretax return on assets1.3802%1,962
Return on Equity (ROE)11.6266%1,417
Retained earnings to average equity (ytd only)8.5051%1,263
Net charge-offs to loans0.0092%2,820
Credit loss provision to net charge-offs20.0000%2,294
Earnings coverage of net charge-offs (x)359.0000%163
Efficiency ratio63.5755%4,194
Assets per employee ($millions)4.3571%3,310
Cash dividends to net income (ytd only)*26.8482%2,428
Condition Ratios (%)
Loss allowance to loans0.4318%5,926
Loan loss allowance to noncurrent loans43.0037%5,002
Noncurrent assets plus other real estate owned to assets0.7259%2,901
Noncurrent loans to loans1.0042%2,374
Net loans and leases to total assets41.0006%5,400
Net loans and leases to deposits48.8072%5,392
Net loans and leases to core deposits53.2044%5,303
Total domestic deposits to total assets84.0052%3,516
Equity capital to assets12.0425%2,006
Core capital (leverage) ratio11.5760%1,923
Tier 1 risk-based capital ratio21.9910%1,158
Total risk-based capital ratio22.3275%1,279
Memoranda:
Average total assets$521,377,0001,331
Average earning assets$491,441,5001,299
Average equity$61,892,5001,267
Average total loans$217,848,0001,999
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4009%5,157
Cost of funding earning assets0.4562%2,567
Net interest margin2.9447%5,263
Noninterest income to average assets0.6622%2,395
Noninterest expense to average assets2.3738%4,578
Loan and lease loss provision to assets0.0100%4,203
Net operating income to assets1.0456%2,148
Return on assets (ROA)1.0526%2,203
Pretax return on assets1.0526%3,259
Return on Equity (ROE)9.0843%2,416
Retained earnings to average equity (ytd only)1.9414%4,623
Net charge-offs to loans0.0160%3,969
Credit loss provision to net charge-offs147.2222%1,806
Earnings coverage of net charge-offs (x)154.8611%411
Efficiency ratio69.2176%3,361
Assets per employee ($millions)4.4429%3,134
Cash dividends to net income (ytd only)*78.6292%910
Condition Ratios (%)
Loss allowance to loans0.4168%5,983
Loan loss allowance to noncurrent loans51.7897%4,836
Noncurrent assets plus other real estate owned to assets0.6716%3,027
Noncurrent loans to loans0.8047%2,773
Net loans and leases to total assets42.2047%5,400
Net loans and leases to deposits49.8287%5,401
Net loans and leases to core deposits54.2261%5,300
Total domestic deposits to total assets84.6995%3,206
Equity capital to assets11.7013%2,194
Core capital (leverage) ratio11.4076%2,037
Tier 1 risk-based capital ratio21.0104%1,297
Total risk-based capital ratio21.3405%1,446
Memoranda:
Average total assets$528,097,8001,282
Average earning assets$496,284,6001,261
Average equity$61,193,8001,237
Average total loans$224,610,2001,896
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3854%5,231
Cost of funding earning assets0.4670%2,517
Net interest margin2.9183%5,375
Noninterest income to average assets0.6726%2,371
Noninterest expense to average assets2.3919%4,535
Loan and lease loss provision to assets0.0088%4,088
Net operating income to assets1.0121%2,415
Return on assets (ROA)1.0214%2,463
Pretax return on assets1.0214%3,534
Return on Equity (ROE)8.8362%2,660
Retained earnings to average equity (ytd only)3.6583%3,860
Net charge-offs to loans0.0095%3,836
Credit loss provision to net charge-offs218.7500%1,244
Earnings coverage of net charge-offs (x)253.2208%275
Efficiency ratio70.0857%3,196
Assets per employee ($millions)4.3245%3,279
Cash dividends to net income (ytd only)*58.5987%1,481
Condition Ratios (%)
Loss allowance to loans0.4152%6,082
Loan loss allowance to noncurrent loans56.9675%4,783
Noncurrent assets plus other real estate owned to assets0.6544%3,292
Noncurrent loans to loans0.7288%3,149
Net loans and leases to total assets42.8950%5,433
Net loans and leases to deposits50.9299%5,425
Net loans and leases to core deposits55.8226%5,317
Total domestic deposits to total assets84.2236%3,331
Equity capital to assets11.9399%2,147
Core capital (leverage) ratio11.4838%2,054
Tier 1 risk-based capital ratio21.1304%1,323
Total risk-based capital ratio21.4604%1,469
Memoranda:
Average total assets$529,057,5001,285
Average earning assets$496,752,5001,265
Average equity$61,156,0001,239
Average total loans$225,215,7501,902
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3376%5,368
Cost of funding earning assets0.4749%2,471
Net interest margin2.8628%5,510
Noninterest income to average assets0.6078%2,688
Noninterest expense to average assets2.3259%4,781
Loan and lease loss provision to assets0.0034%4,019
Net operating income to assets0.9665%2,556
Return on assets (ROA)0.9755%2,618
Pretax return on assets0.9755%3,675
Return on Equity (ROE)8.5305%2,782
Retained earnings to average equity (ytd only)2.1252%4,647
Net charge-offs to loans0.0062%3,684
Credit loss provision to net charge-offs128.5714%1,709
Earnings coverage of net charge-offs (x)368.8571%186
Efficiency ratio70.5721%3,245
Assets per employee ($millions)4.2850%3,329
Cash dividends to net income (ytd only)*75.0866%1,046
Condition Ratios (%)
Loss allowance to loans0.3937%6,168
Loan loss allowance to noncurrent loans25.1451%5,596
Noncurrent assets plus other real estate owned to assets1.0936%2,322
Noncurrent loans to loans1.5659%1,685
Net loans and leases to total assets44.0362%5,379
Net loans and leases to deposits52.1329%5,374
Net loans and leases to core deposits57.7528%5,212
Total domestic deposits to total assets84.4690%3,366
Equity capital to assets11.6668%2,272
Core capital (leverage) ratio11.0678%2,361
Tier 1 risk-based capital ratio20.9657%1,371
Total risk-based capital ratio21.2926%1,507
Memoranda:
Average total assets$532,429,6701,286
Average earning assets$499,936,3301,264
Average equity$60,887,6701,254
Average total loans$225,778,3301,911
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2925%5,469
Cost of funding earning assets0.4841%2,427
Net interest margin2.8084%5,622
Noninterest income to average assets0.5323%3,073
Noninterest expense to average assets2.2455%5,017
Loan and lease loss provision to assets0.0030%3,671
Net operating income to assets0.9187%2,657
Return on assets (ROA)0.9240%2,758
Pretax return on assets0.9240%3,800
Return on Equity (ROE)8.1596%2,878
Retained earnings to average equity (ytd only)5.3652%2,853
Net charge-offs to loans0.0090%3,031
Credit loss provision to net charge-offs80.0000%1,825
Earnings coverage of net charge-offs (x)247.6000%227
Efficiency ratio70.8980%3,334
Assets per employee ($millions)4.4649%3,109
Cash dividends to net income (ytd only)*34.2466%2,218
Condition Ratios (%)
Loss allowance to loans0.4074%6,235
Loan loss allowance to noncurrent loans32.8509%5,479
Noncurrent assets plus other real estate owned to assets0.9250%2,784
Noncurrent loans to loans1.2401%2,305
Net loans and leases to total assets41.4290%5,523
Net loans and leases to deposits48.7928%5,527
Net loans and leases to core deposits53.6719%5,385
Total domestic deposits to total assets84.9081%3,453
Equity capital to assets11.4245%2,534
Core capital (leverage) ratio10.8697%2,554
Tier 1 risk-based capital ratio21.5893%1,305
Total risk-based capital ratio21.9241%1,453
Memoranda:
Average total assets$537,257,0001,274
Average earning assets$504,061,0001,256
Average equity$60,836,0001,258
Average total loans$223,107,5001,929
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3467%5,628
Cost of funding earning assets0.5320%2,366
Net interest margin2.8147%5,783
Noninterest income to average assets0.6298%2,679
Noninterest expense to average assets2.3276%5,038
Loan and lease loss provision to assets0.0122%4,379
Net operating income to assets0.9310%2,719
Return on assets (ROA)0.9359%2,787
Pretax return on assets0.9359%3,758
Return on Equity (ROE)8.3067%2,962
Retained earnings to average equity (ytd only)0.6161%5,489
Net charge-offs to loans0.0418%3,987
Credit loss provision to net charge-offs69.8925%3,081
Earnings coverage of net charge-offs (x)54.2043%864
Efficiency ratio71.1630%3,344
Assets per employee ($millions)4.6442%2,805
Cash dividends to net income (ytd only)*92.5830%518
Condition Ratios (%)
Loss allowance to loans0.4070%6,319
Loan loss allowance to noncurrent loans36.7570%5,468
Noncurrent assets plus other real estate owned to assets0.8728%3,027
Noncurrent loans to loans1.1073%2,615
Net loans and leases to total assets41.2875%5,671
Net loans and leases to deposits48.3744%5,663
Net loans and leases to core deposits52.9378%5,568
Total domestic deposits to total assets85.3499%3,141
Equity capital to assets11.2230%2,675
Core capital (leverage) ratio10.8894%2,504
Tier 1 risk-based capital ratio21.8091%1,252
Total risk-based capital ratio22.1970%1,384
Memoranda:
Average total assets$534,458,4001,254
Average earning assets$501,482,8001,228
Average equity$60,216,4001,220
Average total loans$222,676,4001,885
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3355%5,696
Cost of funding earning assets0.5372%2,398
Net interest margin2.7983%5,871
Noninterest income to average assets0.6374%2,637
Noninterest expense to average assets2.3659%4,925
Loan and lease loss provision to assets0.0140%4,132
Net operating income to assets0.8866%2,978
Return on assets (ROA)0.8931%3,046
Pretax return on assets0.8931%4,018
Return on Equity (ROE)7.9193%3,252
Retained earnings to average equity (ytd only)1.7000%5,198
Net charge-offs to loans0.0413%3,673
Credit loss provision to net charge-offs81.1594%2,573
Earnings coverage of net charge-offs (x)52.2161%949
Efficiency ratio72.4288%3,102
Assets per employee ($millions)4.4281%3,090
Cash dividends to net income (ytd only)*78.5335%780
Condition Ratios (%)
Loss allowance to loans0.4173%6,397
Loan loss allowance to noncurrent loans48.8127%5,187
Noncurrent assets plus other real estate owned to assets0.7745%3,496
Noncurrent loans to loans0.8549%3,429
Net loans and leases to total assets41.8898%5,681
Net loans and leases to deposits49.5350%5,678
Net loans and leases to core deposits54.5300%5,530
Total domestic deposits to total assets84.5661%3,518
Equity capital to assets11.5453%2,434
Core capital (leverage) ratio11.0672%2,419
Tier 1 risk-based capital ratio22.3211%1,217
Total risk-based capital ratio22.7188%1,327
Memoranda:
Average total assets$533,391,7501,262
Average earning assets$501,148,5001,238
Average equity$60,155,2501,220
Average total loans$222,511,7501,893
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3075%5,776
Cost of funding earning assets0.5427%2,408
Net interest margin2.7648%5,967
Noninterest income to average assets0.6080%2,778
Noninterest expense to average assets2.3266%5,091
Loan and lease loss provision to assets0.0082%4,070
Net operating income to assets0.8702%2,955
Return on assets (ROA)0.8787%3,001
Pretax return on assets0.8787%3,965
Return on Equity (ROE)7.8528%3,184
Retained earnings to average equity (ytd only)0.1235%5,649
Net charge-offs to loans0.0260%3,676
Credit loss provision to net charge-offs75.8621%2,378
Earnings coverage of net charge-offs (x)81.1034%653
Efficiency ratio72.5938%3,227
Assets per employee ($millions)4.3938%3,098
Cash dividends to net income (ytd only)*98.4275%551
Condition Ratios (%)
Loss allowance to loans0.4155%6,480
Loan loss allowance to noncurrent loans38.6694%5,540
Noncurrent assets plus other real estate owned to assets0.8558%3,400
Noncurrent loans to loans1.0744%3,081
Net loans and leases to total assets41.9279%5,683
Net loans and leases to deposits49.5017%5,671
Net loans and leases to core deposits54.8278%5,502
Total domestic deposits to total assets84.7000%3,640
Equity capital to assets11.3122%2,597
Core capital (leverage) ratio10.8256%2,599
Tier 1 risk-based capital ratio21.8362%1,282
Total risk-based capital ratio22.2291%1,426
Memoranda:
Average total assets$535,539,3301,253
Average earning assets$503,043,3301,225
Average equity$59,927,6701,216
Average total loans$222,794,6701,881
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2578%5,920
Cost of funding earning assets0.5537%2,397
Net interest margin2.7041%6,107
Noninterest income to average assets0.5879%2,804
Noninterest expense to average assets2.1954%5,473
Loan and lease loss provision to assets0.0015%3,810
Net operating income to assets0.9317%2,497
Return on assets (ROA)0.9414%2,520
Pretax return on assets0.9414%3,550
Return on Equity (ROE)8.4586%2,706
Retained earnings to average equity (ytd only)-3.7512%6,035
Net charge-offs to loans0.0342%2,917
Credit loss provision to net charge-offs10.5263%2,601
Earnings coverage of net charge-offs (x)66.0000%614
Efficiency ratio70.1713%3,811
Assets per employee ($millions)4.4788%3,003
Cash dividends to net income (ytd only)*144.3478%421
Condition Ratios (%)
Loss allowance to loans0.4157%6,554
Loan loss allowance to noncurrent loans34.7170%5,728
Noncurrent assets plus other real estate owned to assets0.9405%3,371
Noncurrent loans to loans1.1975%3,044
Net loans and leases to total assets41.0046%5,748
Net loans and leases to deposits48.4376%5,706
Net loans and leases to core deposits53.6109%5,528
Total domestic deposits to total assets84.6545%4,019
Equity capital to assets11.0839%2,642
Core capital (leverage) ratio10.6360%2,774
Tier 1 risk-based capital ratio22.0430%1,289
Total risk-based capital ratio22.4419%1,410
Memoranda:
Average total assets$537,485,0001,258
Average earning assets$505,005,5001,225
Average equity$59,821,0001,220
Average total loans$222,272,5001,883
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3899%5,860
Cost of funding earning assets0.6100%2,572
Net interest margin2.7799%6,013
Noninterest income to average assets0.6316%2,906
Noninterest expense to average assets2.1566%5,719
Loan and lease loss provision to assets0.0484%4,162
Net operating income to assets1.0454%2,133
Return on assets (ROA)1.0478%2,195
Pretax return on assets1.0398%3,192
Return on Equity (ROE)9.4174%2,363
Retained earnings to average equity (ytd only)3.8858%3,437
Net charge-offs to loans0.0816%4,072
Credit loss provision to net charge-offs139.3443%1,675
Earnings coverage of net charge-offs (x)31.2350%1,143
Efficiency ratio66.5124%4,467
Assets per employee ($millions)4.5169%2,872
Cash dividends to net income (ytd only)*58.7382%1,828
Condition Ratios (%)
Loss allowance to loans0.4202%6,625
Loan loss allowance to noncurrent loans23.3333%6,106
Noncurrent assets plus other real estate owned to assets1.1562%3,085
Noncurrent loans to loans1.8007%2,234
Net loans and leases to total assets41.3580%5,866
Net loans and leases to deposits48.7745%5,845
Net loans and leases to core deposits55.0659%5,612
Total domestic deposits to total assets84.7943%3,851
Equity capital to assets11.1757%2,448
Core capital (leverage) ratio10.8755%2,505
Tier 1 risk-based capital ratio22.3982%1,191
Total risk-based capital ratio22.8015%1,308
Memoranda:
Average total assets$526,423,2001,264
Average earning assets$494,410,6001,231
Average equity$58,572,6001,233
Average total loans$224,162,4001,825
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4222%5,839
Cost of funding earning assets0.6255%2,601
Net interest margin2.7967%6,023
Noninterest income to average assets0.6335%2,967
Noninterest expense to average assets2.1874%5,632
Loan and lease loss provision to assets0.0341%4,333
Net operating income to assets1.0477%2,191
Return on assets (ROA)1.0513%2,261
Pretax return on assets1.0406%3,336
Return on Equity (ROE)9.4594%2,417
Retained earnings to average equity (ytd only)3.0218%4,512
Net charge-offs to loans0.0398%4,349
Credit loss provision to net charge-offs200.0000%1,204
Earnings coverage of net charge-offs (x)62.7918%731
Efficiency ratio67.1277%4,278
Assets per employee ($millions)4.6635%2,628
Cash dividends to net income (ytd only)*68.0551%1,148
Condition Ratios (%)
Loss allowance to loans0.4146%6,713
Loan loss allowance to noncurrent loans24.7018%6,144
Noncurrent assets plus other real estate owned to assets1.0171%3,619
Noncurrent loans to loans1.6785%2,675
Net loans and leases to total assets42.4782%5,859
Net loans and leases to deposits50.4551%5,804
Net loans and leases to core deposits56.2891%5,598
Total domestic deposits to total assets84.1902%4,115
Equity capital to assets11.2090%2,557
Core capital (leverage) ratio10.9286%2,553
Tier 1 risk-based capital ratio22.1875%1,288
Total risk-based capital ratio22.5851%1,397
Memoranda:
Average total assets$523,650,0001,281
Average earning assets$491,526,0001,249
Average equity$58,198,0001,245
Average total loans$224,392,0001,827
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4291%5,842
Cost of funding earning assets0.6395%2,590
Net interest margin2.7896%6,025
Noninterest income to average assets0.6273%3,033
Noninterest expense to average assets2.1866%5,662
Loan and lease loss provision to assets0.0276%4,379
Net operating income to assets1.0487%2,115
Return on assets (ROA)1.0541%2,216
Pretax return on assets1.0380%3,341
Return on Equity (ROE)9.5117%2,413
Retained earnings to average equity (ytd only)1.2917%5,377
Net charge-offs to loans0.0116%4,642
Credit loss provision to net charge-offs553.8462%518
Earnings coverage of net charge-offs (x)213.0769%246
Efficiency ratio67.3465%4,301
Assets per employee ($millions)4.4746%2,852
Cash dividends to net income (ytd only)*86.4198%759
Condition Ratios (%)
Loss allowance to loans0.4067%6,767
Loan loss allowance to noncurrent loans23.9751%6,208
Noncurrent assets plus other real estate owned to assets1.1576%3,435
Noncurrent loans to loans1.6965%2,768
Net loans and leases to total assets43.9664%5,742
Net loans and leases to deposits52.1842%5,675
Net loans and leases to core deposits56.9470%5,527
Total domestic deposits to total assets84.2523%4,219
Equity capital to assets11.3171%2,446
Core capital (leverage) ratio10.7111%2,656
Tier 1 risk-based capital ratio21.9205%1,298
Total risk-based capital ratio22.3181%1,447
Memoranda:
Average total assets$522,540,6701,281
Average earning assets$490,678,0001,252
Average equity$57,907,6701,253
Average total loans$224,261,6701,826
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4514%5,829
Cost of funding earning assets0.6470%2,690
Net interest margin2.8044%6,024
Noninterest income to average assets0.5964%3,166
Noninterest expense to average assets2.1652%5,770
Loan and lease loss provision to assets0.0008%4,405
Net operating income to assets1.0932%1,883
Return on assets (ROA)1.1016%1,952
Pretax return on assets1.0697%3,077
Return on Equity (ROE)10.0444%2,045
Retained earnings to average equity (ytd only)-3.4636%6,230
Net charge-offs to loans-0.0682%6,265
Credit loss provision to net charge-offs-2.6316%4,948
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0904%4,476
Assets per employee ($millions)4.6220%2,770
Cash dividends to net income (ytd only)*134.4828%421
Condition Ratios (%)
Loss allowance to loans0.4055%6,847
Loan loss allowance to noncurrent loans22.5044%6,282
Noncurrent assets plus other real estate owned to assets1.2266%3,517
Noncurrent loans to loans1.8017%2,858
Net loans and leases to total assets42.1438%5,834
Net loans and leases to deposits49.9589%5,787
Net loans and leases to core deposits54.6973%5,626
Total domestic deposits to total assets84.3568%4,331
Equity capital to assets10.9130%3,060
Core capital (leverage) ratio10.3803%2,930
Tier 1 risk-based capital ratio21.8155%1,368
Total risk-based capital ratio22.2123%1,521
Memoranda:
Average total assets$526,519,0001,285
Average earning assets$493,939,5001,254
Average equity$57,743,5001,263
Average total loans$222,808,5001,848
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8524%5,703
Cost of funding earning assets0.8028%2,643
Net interest margin3.0496%5,931
Noninterest income to average assets0.6080%3,237
Noninterest expense to average assets2.3260%5,622
Loan and lease loss provision to assets0.0553%5,103
Net operating income to assets1.0429%2,155
Return on assets (ROA)1.0450%2,344
Pretax return on assets1.0818%3,222
Return on Equity (ROE)9.4627%2,422
Retained earnings to average equity (ytd only)1.2419%5,248
Net charge-offs to loans0.1230%4,449
Credit loss provision to net charge-offs101.0676%2,997
Earnings coverage of net charge-offs (x)20.7331%1,338
Efficiency ratio67.2052%4,292
Assets per employee ($millions)4.4969%2,966
Cash dividends to net income (ytd only)*86.8755%798
Condition Ratios (%)
Loss allowance to loans0.3885%6,903
Loan loss allowance to noncurrent loans20.6001%6,374
Noncurrent assets plus other real estate owned to assets1.2223%3,616
Noncurrent loans to loans1.8859%2,823
Net loans and leases to total assets42.1548%5,992
Net loans and leases to deposits50.0367%5,953
Net loans and leases to core deposits54.8688%5,809
Total domestic deposits to total assets84.2479%4,207
Equity capital to assets11.0212%2,925
Core capital (leverage) ratio10.6623%2,585
Tier 1 risk-based capital ratio22.4042%1,194
Total risk-based capital ratio22.7893%1,326
Memoranda:
Average total assets$513,294,0001,302
Average earning assets$480,195,0001,268
Average equity$56,685,8001,254
Average total loans$228,509,8001,788
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9522%5,655
Cost of funding earning assets0.8342%2,675
Net interest margin3.1180%5,898
Noninterest income to average assets0.5858%3,378
Noninterest expense to average assets2.3243%5,619
Loan and lease loss provision to assets0.0672%4,847
Net operating income to assets1.0735%2,196
Return on assets (ROA)1.0735%2,399
Pretax return on assets1.1117%3,307
Return on Equity (ROE)9.7157%2,491
Retained earnings to average equity (ytd only)-0.1254%6,106
Net charge-offs to loans0.1189%4,184
Credit loss provision to net charge-offs125.3659%2,297
Earnings coverage of net charge-offs (x)21.9997%1,374
Efficiency ratio66.3483%4,385
Assets per employee ($millions)4.2625%3,352
Cash dividends to net income (ytd only)*101.2906%318
Condition Ratios (%)
Loss allowance to loans0.4112%7,006
Loan loss allowance to noncurrent loans50.6091%5,094
Noncurrent assets plus other real estate owned to assets0.7472%4,824
Noncurrent loans to loans0.8125%4,787
Net loans and leases to total assets43.2796%6,020
Net loans and leases to deposits51.6239%6,000
Net loans and leases to core deposits57.0322%5,809
Total domestic deposits to total assets83.8364%4,301
Equity capital to assets11.2131%3,020
Core capital (leverage) ratio10.8099%2,583
Tier 1 risk-based capital ratio22.4841%1,251
Total risk-based capital ratio22.8938%1,370
Memoranda:
Average total assets$510,084,5001,327
Average earning assets$477,253,5001,296
Average equity$56,360,7501,267
Average total loans$229,973,5001,783
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9908%5,667
Cost of funding earning assets0.8551%2,755
Net interest margin3.1357%5,900
Noninterest income to average assets0.5871%3,340
Noninterest expense to average assets2.3575%5,601
Loan and lease loss provision to assets0.0600%4,899
Net operating income to assets1.0337%2,325
Return on assets (ROA)1.0337%2,544
Pretax return on assets1.1024%3,294
Return on Equity (ROE)9.4022%2,612
Retained earnings to average equity (ytd only)-5.4471%6,647
Net charge-offs to loans0.0568%4,620
Credit loss provision to net charge-offs231.8182%1,230
Earnings coverage of net charge-offs (x)44.8788%801
Efficiency ratio66.9751%4,322
Assets per employee ($millions)4.2153%3,428
Cash dividends to net income (ytd only)*157.9347%155
Condition Ratios (%)
Loss allowance to loans0.4097%7,080
Loan loss allowance to noncurrent loans51.5201%5,028
Noncurrent assets plus other real estate owned to assets0.8183%4,765
Noncurrent loans to loans0.7953%4,921
Net loans and leases to total assets45.9850%5,826
Net loans and leases to deposits54.3805%5,829
Net loans and leases to core deposits60.1039%5,576
Total domestic deposits to total assets84.5617%4,073
Equity capital to assets11.1090%3,009
Core capital (leverage) ratio10.4792%2,830
Tier 1 risk-based capital ratio21.3160%1,422
Total risk-based capital ratio21.7224%1,562
Memoranda:
Average total assets$509,612,0001,328
Average earning assets$476,642,6701,301
Average equity$56,029,3301,269
Average total loans$232,534,6701,770
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9934%5,781
Cost of funding earning assets0.8723%2,895
Net interest margin3.1211%5,982
Noninterest income to average assets0.6098%3,163
Noninterest expense to average assets2.2889%5,796
Loan and lease loss provision to assets0.0685%4,553
Net operating income to assets1.0366%2,337
Return on assets (ROA)1.0366%2,529
Pretax return on assets1.1729%3,017
Return on Equity (ROE)9.4764%2,615
Retained earnings to average equity (ytd only)-11.1709%6,871
Net charge-offs to loans0.0326%4,230
Credit loss provision to net charge-offs463.1579%699
Earnings coverage of net charge-offs (x)83.8947%407
Efficiency ratio64.8356%4,770
Assets per employee ($millions)4.2906%3,415
Cash dividends to net income (ytd only)*217.8813%142
Condition Ratios (%)
Loss allowance to loans0.4066%7,132
Loan loss allowance to noncurrent loans37.9747%5,735
Noncurrent assets plus other real estate owned to assets0.8731%4,777
Noncurrent loans to loans1.0708%4,558
Net loans and leases to total assets44.6103%5,945
Net loans and leases to deposits52.7149%5,925
Net loans and leases to core deposits58.3801%5,683
Total domestic deposits to total assets84.6256%4,199
Equity capital to assets10.9138%3,012
Core capital (leverage) ratio10.3484%2,933
Tier 1 risk-based capital ratio21.3785%1,400
Total risk-based capital ratio21.7905%1,556
Memoranda:
Average total assets$513,607,0001,321
Average earning assets$480,593,5001,293
Average equity$56,181,5001,265
Average total loans$232,992,0001,770
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3621%5,564
Cost of funding earning assets1.0286%3,167
Net interest margin3.3335%5,713
Noninterest income to average assets0.5641%3,399
Noninterest expense to average assets2.4167%5,727
Loan and lease loss provision to assets0.0323%6,160
Net operating income to assets0.9067%2,573
Return on assets (ROA)0.9067%2,699
Pretax return on assets1.2332%2,346
Return on Equity (ROE)8.2522%2,783
Retained earnings to average equity (ytd only)5.3497%2,412
Net charge-offs to loans0.0516%5,800
Credit loss provision to net charge-offs128.5714%2,401
Earnings coverage of net charge-offs (x)50.3889%554
Efficiency ratio65.6309%4,842
Assets per employee ($millions)4.2347%3,405
Cash dividends to net income (ytd only)*35.1726%2,858
Condition Ratios (%)
Loss allowance to loans0.3629%7,186
Loan loss allowance to noncurrent loans22.4511%6,537
Noncurrent assets plus other real estate owned to assets1.1225%4,359
Noncurrent loans to loans1.6162%3,735
Net loans and leases to total assets45.7620%6,033
Net loans and leases to deposits54.6726%6,005
Net loans and leases to core deposits60.5139%5,794
Total domestic deposits to total assets83.7019%4,447
Equity capital to assets10.9632%3,013
Core capital (leverage) ratio10.6274%2,588
Tier 1 risk-based capital ratio21.3713%1,341
Total risk-based capital ratio21.7301%1,500
Memoranda:
Average total assets$501,685,2001,337
Average earning assets$469,273,2001,307
Average equity$55,125,0001,233
Average total loans$243,969,4001,714
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4346%5,481
Cost of funding earning assets1.0554%3,284
Net interest margin3.3792%5,639
Noninterest income to average assets0.5840%3,271
Noninterest expense to average assets2.3895%5,790
Loan and lease loss provision to assets0.0316%6,048
Net operating income to assets0.9837%2,380
Return on assets (ROA)0.9837%2,539
Pretax return on assets1.3230%2,210
Return on Equity (ROE)8.9477%2,618
Retained earnings to average equity (ytd only)5.0510%3,140
Net charge-offs to loans0.0564%5,407
Credit loss provision to net charge-offs113.4615%2,881
Earnings coverage of net charge-offs (x)48.6453%666
Efficiency ratio63.8204%5,105
Assets per employee ($millions)4.1608%3,518
Cash dividends to net income (ytd only)*43.5493%1,871
Condition Ratios (%)
Loss allowance to loans0.3501%7,263
Loan loss allowance to noncurrent loans61.4934%4,394
Noncurrent assets plus other real estate owned to assets0.6840%5,431
Noncurrent loans to loans0.5693%5,733
Net loans and leases to total assets47.1048%6,044
Net loans and leases to deposits56.9451%5,941
Net loans and leases to core deposits63.2188%5,697
Total domestic deposits to total assets82.7197%4,784
Equity capital to assets10.9826%3,166
Core capital (leverage) ratio10.7573%2,606
Tier 1 risk-based capital ratio21.2850%1,408
Total risk-based capital ratio21.6346%1,563
Memoranda:
Average total assets$497,949,0001,345
Average earning assets$465,660,5001,316
Average equity$54,746,5001,241
Average total loans$245,641,5001,716
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4732%5,439
Cost of funding earning assets1.0728%3,445
Net interest margin3.4004%5,556
Noninterest income to average assets0.5692%3,339
Noninterest expense to average assets2.3835%5,892
Loan and lease loss provision to assets0.0198%6,041
Net operating income to assets0.9957%2,248
Return on assets (ROA)0.9957%2,353
Pretax return on assets1.3474%1,973
Return on Equity (ROE)9.0531%2,488
Retained earnings to average equity (ytd only)3.1721%4,254
Net charge-offs to loans0.0218%5,534
Credit loss provision to net charge-offs181.4815%1,660
Earnings coverage of net charge-offs (x)125.2593%281
Efficiency ratio63.5482%5,329
Assets per employee ($millions)4.0155%3,721
Cash dividends to net income (ytd only)*64.9614%1,189
Condition Ratios (%)
Loss allowance to loans0.3431%7,322
Loan loss allowance to noncurrent loans26.6520%6,442
Noncurrent assets plus other real estate owned to assets1.0710%4,740
Noncurrent loans to loans1.2874%4,515
Net loans and leases to total assets50.2143%5,796
Net loans and leases to deposits60.7134%5,649
Net loans and leases to core deposits67.7787%5,314
Total domestic deposits to total assets82.7071%4,903
Equity capital to assets11.1354%2,829
Core capital (leverage) ratio10.5061%2,709
Tier 1 risk-based capital ratio20.7043%1,478
Total risk-based capital ratio21.0741%1,616
Memoranda:
Average total assets$494,727,6701,359
Average earning assets$462,888,6701,330
Average equity$54,412,3301,236
Average total loans$247,538,6701,722
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4693%5,449
Cost of funding earning assets1.0637%3,759
Net interest margin3.4057%5,412
Noninterest income to average assets0.5833%3,284
Noninterest expense to average assets2.3937%5,900
Loan and lease loss provision to assets0.0274%5,619
Net operating income to assets1.0017%2,178
Return on assets (ROA)1.0017%2,227
Pretax return on assets1.3541%1,871
Return on Equity (ROE)9.1641%2,400
Retained earnings to average equity (ytd only)9.1641%1,329
Net charge-offs to loans-0.0081%6,309
Credit loss provision to net charge-offs-680.0000%6,026
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.4058%5,458
Assets per employee ($millions)4.2589%3,320
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.3552%7,373
Loan loss allowance to noncurrent loans95.5752%2,997
Noncurrent assets plus other real estate owned to assets0.6231%5,715
Noncurrent loans to loans0.3716%6,253
Net loans and leases to total assets48.6445%5,998
Net loans and leases to deposits58.8933%5,841
Net loans and leases to core deposits65.7456%5,539
Total domestic deposits to total assets82.5977%5,071
Equity capital to assets11.0334%2,656
Core capital (leverage) ratio10.5767%2,532
Tier 1 risk-based capital ratio21.0928%1,377
Total risk-based capital ratio21.4772%1,507
Memoranda:
Average total assets$497,143,5001,355
Average earning assets$465,930,0001,329
Average equity$54,342,5001,231
Average total loans$247,885,5001,742
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8871%5,094
Cost of funding earning assets1.1678%4,751
Net interest margin3.7193%4,273
Noninterest income to average assets0.6077%3,424
Noninterest expense to average assets2.4115%6,068
Loan and lease loss provision to assets0.0615%6,533
Net operating income to assets1.1465%1,555
Return on assets (ROA)1.1465%1,639
Pretax return on assets1.6078%1,108
Return on Equity (ROE)10.4476%1,778
Retained earnings to average equity (ytd only)4.4140%2,764
Net charge-offs to loans0.1372%5,547
Credit loss provision to net charge-offs84.3750%5,370
Earnings coverage of net charge-offs (x)22.9176%921
Efficiency ratio59.0944%6,183
Assets per employee ($millions)4.0655%3,648
Cash dividends to net income (ytd only)*57.7513%1,721
Condition Ratios (%)
Loss allowance to loans0.3267%7,472
Loan loss allowance to noncurrent loans47.7154%5,129
Noncurrent assets plus other real estate owned to assets0.7385%5,529
Noncurrent loans to loans0.6847%5,676
Net loans and leases to total assets50.7446%6,077
Net loans and leases to deposits61.1558%5,938
Net loans and leases to core deposits67.5862%5,696
Total domestic deposits to total assets82.9759%4,806
Equity capital to assets10.8280%2,832
Core capital (leverage) ratio10.4992%2,557
Tier 1 risk-based capital ratio20.1246%1,465
Total risk-based capital ratio20.4791%1,634
Memoranda:
Average total assets$483,277,6001,389
Average earning assets$451,265,2001,351
Average equity$53,036,2001,264
Average total loans$256,576,0001,725
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9835%4,897
Cost of funding earning assets1.1900%4,917
Net interest margin3.7934%3,991
Noninterest income to average assets0.6010%3,433
Noninterest expense to average assets2.3603%6,150
Loan and lease loss provision to assets0.0417%6,669
Net operating income to assets1.2272%1,522
Return on assets (ROA)1.2272%1,596
Pretax return on assets1.7357%1,038
Return on Equity (ROE)11.1443%1,739
Retained earnings to average equity (ytd only)7.1092%1,795
Net charge-offs to loans0.1082%5,459
Credit loss provision to net charge-offs71.7703%5,368
Earnings coverage of net charge-offs (x)30.6220%872
Efficiency ratio57.0441%6,407
Assets per employee ($millions)3.9323%3,973
Cash dividends to net income (ytd only)*36.2073%2,257
Condition Ratios (%)
Loss allowance to loans0.3201%7,582
Loan loss allowance to noncurrent loans40.8458%5,567
Noncurrent assets plus other real estate owned to assets0.7892%5,525
Noncurrent loans to loans0.7836%5,645
Net loans and leases to total assets52.8653%5,996
Net loans and leases to deposits64.3196%5,873
Net loans and leases to core deposits71.9945%5,514
Total domestic deposits to total assets82.1917%4,919
Equity capital to assets11.2081%2,768
Core capital (leverage) ratio10.8322%2,386
Tier 1 risk-based capital ratio20.3487%1,477
Total risk-based capital ratio20.6964%1,625
Memoranda:
Average total assets$480,099,0001,415
Average earning assets$447,603,2501,379
Average equity$52,868,7501,270
Average total loans$257,591,5001,740
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0348%4,771
Cost of funding earning assets1.2046%5,104
Net interest margin3.8303%3,762
Noninterest income to average assets0.6097%3,263
Noninterest expense to average assets2.3729%6,138
Loan and lease loss provision to assets0.0626%6,321
Net operating income to assets1.2374%1,457
Return on assets (ROA)1.2374%1,522
Pretax return on assets1.7423%977
Return on Equity (ROE)11.3046%1,646
Retained earnings to average equity (ytd only)5.2002%2,777
Net charge-offs to loans0.0899%5,240
Credit loss provision to net charge-offs129.3103%3,113
Earnings coverage of net charge-offs (x)37.2586%772
Efficiency ratio56.7973%6,533
Assets per employee ($millions)3.7983%4,225
Cash dividends to net income (ytd only)*53.9993%1,520
Condition Ratios (%)
Loss allowance to loans0.3517%7,631
Loan loss allowance to noncurrent loans34.3093%6,079
Noncurrent assets plus other real estate owned to assets0.9379%5,252
Noncurrent loans to loans1.0251%5,260
Net loans and leases to total assets54.5426%5,907
Net loans and leases to deposits66.1170%5,790
Net loans and leases to core deposits73.4125%5,509
Total domestic deposits to total assets82.4941%4,784
Equity capital to assets11.1306%2,743
Core capital (leverage) ratio10.6010%2,542
Tier 1 risk-based capital ratio19.3188%1,645
Total risk-based capital ratio19.6960%1,818
Memoranda:
Average total assets$478,906,0001,428
Average earning assets$446,132,3301,391
Average equity$52,421,3301,271
Average total loans$257,949,0001,765
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0820%4,620
Cost of funding earning assets1.2131%5,327
Net interest margin3.8688%3,464
Noninterest income to average assets0.6054%3,247
Noninterest expense to average assets2.3577%6,217
Loan and lease loss provision to assets0.0832%5,808
Net operating income to assets1.2575%1,391
Return on assets (ROA)1.2575%1,464
Pretax return on assets1.7689%935
Return on Equity (ROE)11.5842%1,616
Retained earnings to average equity (ytd only)11.5842%815
Net charge-offs to loans0.0483%4,920
Credit loss provision to net charge-offs322.5806%1,228
Earnings coverage of net charge-offs (x)71.8387%432
Efficiency ratio56.0055%6,763
Assets per employee ($millions)3.7425%4,454
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.3739%7,708
Loan loss allowance to noncurrent loans36.9464%5,905
Noncurrent assets plus other real estate owned to assets0.9032%5,354
Noncurrent loans to loans1.0119%5,301
Net loans and leases to total assets53.3175%6,113
Net loans and leases to deposits64.3954%6,018
Net loans and leases to core deposits75.4565%5,333
Total domestic deposits to total assets82.7970%4,721
Equity capital to assets11.1386%2,647
Core capital (leverage) ratio10.6329%2,514
Tier 1 risk-based capital ratio19.6815%1,587
Total risk-based capital ratio20.0841%1,726
Memoranda:
Average total assets$480,967,5001,456
Average earning assets$448,095,5001,417
Average equity$52,209,0001,285
Average total loans$256,987,0001,820
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5708%3,754
Cost of funding earning assets1.6230%4,919
Net interest margin3.9479%3,088
Noninterest income to average assets0.5594%3,949
Noninterest expense to average assets2.3715%6,548
Loan and lease loss provision to assets0.0665%6,910
Net operating income to assets1.2629%1,107
Return on assets (ROA)1.2629%1,162
Pretax return on assets1.7458%703
Return on Equity (ROE)12.1420%1,123
Retained earnings to average equity (ytd only)5.6441%1,506
Net charge-offs to loans0.0507%6,593
Credit loss provision to net charge-offs242.4242%1,469
Earnings coverage of net charge-offs (x)66.0227%408
Efficiency ratio56.6827%6,935
Assets per employee ($millions)3.8622%4,116
Cash dividends to net income (ytd only)*53.5156%2,304
Condition Ratios (%)
Loss allowance to loans0.3390%7,801
Loan loss allowance to noncurrent loans35.6564%6,062
Noncurrent assets plus other real estate owned to assets0.8768%5,356
Noncurrent loans to loans0.9507%5,407
Net loans and leases to total assets53.1661%6,292
Net loans and leases to deposits63.8621%6,283
Net loans and leases to core deposits97.4390%4,290
Total domestic deposits to total assets83.2514%4,404
Equity capital to assets10.5780%3,094
Core capital (leverage) ratio10.3310%2,761
Tier 1 risk-based capital ratio18.5684%1,735
Total risk-based capital ratio18.9266%1,935
Memoranda:
Average total assets$480,873,4001,438
Average earning assets$441,479,4001,428
Average equity$50,016,6001,345
Average total loans$260,397,2001,830
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6489%3,583
Cost of funding earning assets1.7276%4,756
Net interest margin3.9212%3,154
Noninterest income to average assets0.5754%3,887
Noninterest expense to average assets2.3410%6,589
Loan and lease loss provision to assets0.0473%6,896
Net operating income to assets1.2951%1,231
Return on assets (ROA)1.2951%1,308
Pretax return on assets1.7748%845
Return on Equity (ROE)12.5055%1,236
Retained earnings to average equity (ytd only)8.2090%1,079
Net charge-offs to loans-0.0911%7,917
Credit loss provision to net charge-offs-95.5056%7,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2325%6,965
Assets per employee ($millions)3.7591%4,288
Cash dividends to net income (ytd only)*34.3569%2,691
Condition Ratios (%)
Loss allowance to loans0.3908%7,828
Loan loss allowance to noncurrent loans46.5355%5,214
Noncurrent assets plus other real estate owned to assets0.7868%5,545
Noncurrent loans to loans0.8398%5,616
Net loans and leases to total assets56.4648%6,094
Net loans and leases to deposits68.4401%6,094
Net loans and leases to core deposits100.6750%4,296
Total domestic deposits to total assets82.5025%4,450
Equity capital to assets10.9877%3,018
Core capital (leverage) ratio10.5405%2,759
Tier 1 risk-based capital ratio18.2221%1,932
Total risk-based capital ratio18.6362%2,107
Memoranda:
Average total assets$479,433,5001,461
Average earning assets$438,660,7501,450
Average equity$49,651,7501,377
Average total loans$260,595,5001,850
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5909%4,119
Cost of funding earning assets1.8177%4,670
Net interest margin3.7731%3,659
Noninterest income to average assets0.4786%4,639
Noninterest expense to average assets2.3717%6,551
Loan and lease loss provision to assets0.0704%6,493
Net operating income to assets1.0795%1,841
Return on assets (ROA)1.0795%1,915
Pretax return on assets1.5006%1,436
Return on Equity (ROE)10.6343%1,808
Retained earnings to average equity (ytd only)4.1027%3,011
Net charge-offs to loans0.1624%4,579
Credit loss provision to net charge-offs80.9524%5,172
Earnings coverage of net charge-offs (x)18.0524%1,434
Efficiency ratio60.1535%6,526
Assets per employee ($millions)3.8292%4,029
Cash dividends to net income (ytd only)*61.4203%1,626
Condition Ratios (%)
Loss allowance to loans0.2464%8,030
Loan loss allowance to noncurrent loans28.0739%6,628
Noncurrent assets plus other real estate owned to assets0.8044%5,382
Noncurrent loans to loans0.8775%5,459
Net loans and leases to total assets56.6012%6,137
Net loans and leases to deposits68.2034%6,167
Net loans and leases to core deposits98.4060%4,660
Total domestic deposits to total assets82.9888%4,241
Equity capital to assets10.5784%3,313
Core capital (leverage) ratio9.8802%3,417
Tier 1 risk-based capital ratio17.6648%2,097
Total risk-based capital ratio17.9234%2,348
Memoranda:
Average total assets$482,614,3301,466
Average earning assets$443,080,0001,458
Average equity$48,992,3301,405
Average total loans$258,672,6701,897
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5727%4,510
Cost of funding earning assets1.9040%4,611
Net interest margin3.6687%4,025
Noninterest income to average assets0.4797%4,511
Noninterest expense to average assets2.1960%6,878
Loan and lease loss provision to assets0.0571%6,247
Net operating income to assets1.1363%1,846
Return on assets (ROA)1.1363%1,960
Pretax return on assets1.5777%1,466
Return on Equity (ROE)11.4228%1,838
Retained earnings to average equity (ytd only)11.4228%898
Net charge-offs to loans0.2427%3,190
Credit loss provision to net charge-offs45.1613%4,749
Earnings coverage of net charge-offs (x)12.9290%1,765
Efficiency ratio57.3254%6,785
Assets per employee ($millions)4.1133%3,432
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.2370%8,080
Loan loss allowance to noncurrent loans23.1091%7,013
Noncurrent assets plus other real estate owned to assets0.9257%4,877
Noncurrent loans to loans1.0254%4,944
Net loans and leases to total assets52.2957%6,652
Net loans and leases to deposits63.8966%6,569
Net loans and leases to core deposits92.7628%5,284
Total domestic deposits to total assets81.8442%4,616
Equity capital to assets10.1558%3,818
Core capital (leverage) ratio9.6946%3,765
Tier 1 risk-based capital ratio17.8769%2,091
Total risk-based capital ratio18.1095%2,315
Memoranda:
Average total assets$490,342,5001,449
Average earning assets$447,895,5001,447
Average equity$48,779,5001,415
Average total loans$255,474,0001,930
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0238%5,434
Cost of funding earning assets2.6004%3,682
Net interest margin3.4234%5,566
Noninterest income to average assets0.5173%4,490
Noninterest expense to average assets2.1213%7,186
Loan and lease loss provision to assets0.1015%6,087
Net operating income to assets1.0526%2,342
Return on assets (ROA)1.0526%2,237
Pretax return on assets1.4678%1,773
Return on Equity (ROE)10.6110%2,045
Retained earnings to average equity (ytd only)3.7577%2,797
Net charge-offs to loans0.4844%2,418
Credit loss provision to net charge-offs39.4309%6,456
Earnings coverage of net charge-offs (x)6.0992%3,441
Efficiency ratio57.4789%6,781
Assets per employee ($millions)4.1627%3,187
Cash dividends to net income (ytd only)*64.5866%2,441
Condition Ratios (%)
Loss allowance to loans0.2724%8,108
Loan loss allowance to noncurrent loans26.0428%6,935
Noncurrent assets plus other real estate owned to assets0.9330%4,497
Noncurrent loans to loans1.0462%4,482
Net loans and leases to total assets51.6424%6,878
Net loans and leases to deposits62.2102%6,928
Net loans and leases to core deposits90.0921%5,791
Total domestic deposits to total assets83.0128%3,768
Equity capital to assets9.7411%4,378
Core capital (leverage) ratio9.5235%3,988
Tier 1 risk-based capital ratio17.1396%2,267
Total risk-based capital ratio17.4041%2,541
Memoranda:
Average total assets$478,066,0001,437
Average earning assets$443,128,4001,409
Average equity$47,422,6001,446
Average total loans$253,928,2001,880