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County Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9588%1,236
Cost of funding earning assets1.1718%3,779
Net interest margin4.7870%418
Noninterest income to average assets1.7400%302
Noninterest expense to average assets2.5963%2,026
Loan and lease loss provision to assets0.1000%1,293
Net operating income to assets2.5952%193
Return on assets (ROA)2.4790%220
Pretax return on assets3.3243%144
Return on Equity (ROE)22.0800%311
Retained earnings to average equity (ytd only)18.7138%210
Net charge-offs to loans0.0264%1,462
Credit loss provision to net charge-offs633.3333%457
Earnings coverage of net charge-offs (x)187.9667%442
Efficiency ratio42.0631%4,233
Assets per employee ($millions)7.2183%2,070
Cash dividends to net income (ytd only)*15.2469%2,090
Condition Ratios (%)
Loss allowance to loans0.9047%3,596
Loan loss allowance to noncurrent loans2,854.7297%301
Noncurrent assets plus other real estate owned to assets0.0225%3,573
Noncurrent loans to loans0.0317%3,541
Net loans and leases to total assets70.4500%1,789
Net loans and leases to deposits86.3712%1,460
Net loans and leases to core deposits92.0969%1,905
Total domestic deposits to total assets81.5700%3,385
Equity capital to assets11.1367%1,594
Core capital (leverage) ratio13.1263%1,045
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.0101%1,063
Memoranda:
Average total assets$630,745,0001,494
Average earning assets$583,742,0001,492
Average equity$70,814,0001,345
Average total loans$455,144,5001,413
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6482%1,848
Cost of funding earning assets1.0614%3,973
Net interest margin4.5868%572
Noninterest income to average assets1.1900%459
Noninterest expense to average assets2.6041%2,011
Loan and lease loss provision to assets0.1100%1,276
Net operating income to assets2.0754%348
Return on assets (ROA)2.0724%353
Pretax return on assets2.7188%241
Return on Equity (ROE)19.7300%422
Retained earnings to average equity (ytd only)16.0862%107
Net charge-offs to loans0.1221%1,031
Credit loss provision to net charge-offs132.7586%1,535
Earnings coverage of net charge-offs (x)32.4885%1,482
Efficiency ratio47.9370%4,092
Assets per employee ($millions)6.6442%2,412
Cash dividends to net income (ytd only)*18.4518%3,003
Condition Ratios (%)
Loss allowance to loans0.9170%3,585
Loan loss allowance to noncurrent loans2,063.4518%436
Noncurrent assets plus other real estate owned to assets0.0326%3,451
Noncurrent loans to loans0.0444%3,431
Net loans and leases to total assets72.6400%1,601
Net loans and leases to deposits84.7513%1,709
Net loans and leases to core deposits90.2452%2,093
Total domestic deposits to total assets85.7100%2,312
Equity capital to assets11.3252%1,448
Core capital (leverage) ratio13.1682%1,008
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.0742%1,045
Memoranda:
Average total assets$599,637,2001,539
Average earning assets$555,098,2001,534
Average equity$62,998,2001,432
Average total loans$427,358,6001,464
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5273%2,027
Cost of funding earning assets1.0401%4,004
Net interest margin4.4872%649
Noninterest income to average assets1.0000%593
Noninterest expense to average assets2.5748%2,018
Loan and lease loss provision to assets0.1100%1,157
Net operating income to assets1.8469%551
Return on assets (ROA)1.8429%555
Pretax return on assets2.4617%340
Return on Equity (ROE)17.8900%598
Retained earnings to average equity (ytd only)14.6161%256
Net charge-offs to loans0.1206%869
Credit loss provision to net charge-offs165.0131%1,216
Earnings coverage of net charge-offs (x)30.2507%1,512
Efficiency ratio49.9352%3,995
Assets per employee ($millions)6.6420%2,406
Cash dividends to net income (ytd only)*18.3170%2,599
Condition Ratios (%)
Loss allowance to loans0.9692%3,389
Loan loss allowance to noncurrent loans1,229.3769%615
Noncurrent assets plus other real estate owned to assets0.0558%3,340
Noncurrent loans to loans0.0788%3,292
Net loans and leases to total assets70.0300%1,847
Net loans and leases to deposits81.3427%2,049
Net loans and leases to core deposits86.4349%2,391
Total domestic deposits to total assets86.1000%1,893
Equity capital to assets11.1627%1,649
Core capital (leverage) ratio12.6551%1,219
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.1169%1,070
Memoranda:
Average total assets$598,390,5001,528
Average earning assets$553,772,5001,536
Average equity$61,629,0001,448
Average total loans$423,379,5001,468
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3919%2,154
Cost of funding earning assets1.0146%4,002
Net interest margin4.3773%722
Noninterest income to average assets0.8600%774
Noninterest expense to average assets2.5477%2,103
Loan and lease loss provision to assets0.0600%1,720
Net operating income to assets1.7204%654
Return on assets (ROA)1.7143%664
Pretax return on assets2.2861%424
Return on Equity (ROE)17.1300%701
Retained earnings to average equity (ytd only)13.7462%380
Net charge-offs to loans0.1270%753
Credit loss provision to net charge-offs100.0000%1,486
Earnings coverage of net charge-offs (x)26.2090%1,469
Efficiency ratio51.9595%3,901
Assets per employee ($millions)6.6998%2,264
Cash dividends to net income (ytd only)*19.7574%2,519
Condition Ratios (%)
Loss allowance to loans0.9153%3,646
Loan loss allowance to noncurrent loans2,212.5000%429
Noncurrent assets plus other real estate owned to assets0.0292%3,516
Noncurrent loans to loans0.0414%3,479
Net loans and leases to total assets69.9100%1,911
Net loans and leases to deposits81.7065%2,052
Net loans and leases to core deposits86.5726%2,371
Total domestic deposits to total assets85.5600%2,129
Equity capital to assets10.2450%1,945
Core capital (leverage) ratio12.5000%1,247
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4366%1,177
Memoranda:
Average total assets$596,379,0001,531
Average earning assets$551,533,0001,534
Average equity$59,682,0001,475
Average total loans$422,022,0001,472
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3101%2,173
Cost of funding earning assets0.9346%4,059
Net interest margin4.3755%691
Noninterest income to average assets0.7700%891
Noninterest expense to average assets2.5069%2,231
Loan and lease loss provision to assets0.1400%749
Net operating income to assets1.6330%738
Return on assets (ROA)1.6207%759
Pretax return on assets2.1549%516
Return on Equity (ROE)16.3900%790
Retained earnings to average equity (ytd only)12.9479%614
Net charge-offs to loans0.1437%573
Credit loss provision to net charge-offs139.7351%971
Earnings coverage of net charge-offs (x)22.7086%1,293
Efficiency ratio52.0151%3,902
Assets per employee ($millions)6.7218%2,267
Cash dividends to net income (ytd only)*21.0154%1,983
Condition Ratios (%)
Loss allowance to loans0.9288%3,606
Loan loss allowance to noncurrent loans1,594.3548%579
Noncurrent assets plus other real estate owned to assets0.0419%3,409
Noncurrent loans to loans0.0583%3,341
Net loans and leases to total assets71.3000%1,645
Net loans and leases to deposits84.8216%1,646
Net loans and leases to core deposits89.2295%2,091
Total domestic deposits to total assets84.0600%2,701
Equity capital to assets9.9789%2,030
Core capital (leverage) ratio12.2378%1,325
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8432%1,316
Memoranda:
Average total assets$593,076,5001,538
Average earning assets$548,233,5001,547
Average equity$58,635,0001,484
Average total loans$420,308,5001,474
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9142%2,245
Cost of funding earning assets0.5683%4,117
Net interest margin4.3459%752
Noninterest income to average assets0.7900%968
Noninterest expense to average assets2.4000%2,594
Loan and lease loss provision to assets0.1900%662
Net operating income to assets1.7329%688
Return on assets (ROA)1.7060%693
Pretax return on assets2.1788%505
Return on Equity (ROE)19.4200%667
Retained earnings to average equity (ytd only)15.5238%293
Net charge-offs to loans0.2167%501
Credit loss provision to net charge-offs129.5612%1,603
Earnings coverage of net charge-offs (x)16.4734%2,004
Efficiency ratio49.9825%3,983
Assets per employee ($millions)6.6813%2,283
Cash dividends to net income (ytd only)*20.0710%2,938
Condition Ratios (%)
Loss allowance to loans0.9388%3,568
Loan loss allowance to noncurrent loans1,052.7027%872
Noncurrent assets plus other real estate owned to assets0.0622%3,156
Noncurrent loans to loans0.0892%3,098
Net loans and leases to total assets69.1200%1,906
Net loans and leases to deposits82.0028%1,945
Net loans and leases to core deposits85.2676%2,355
Total domestic deposits to total assets84.2900%2,540
Equity capital to assets9.7948%2,131
Core capital (leverage) ratio12.1139%1,365
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5480%1,386
Memoranda:
Average total assets$594,004,8001,494
Average earning assets$547,801,6001,498
Average equity$52,177,8001,551
Average total loans$399,547,6001,471
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8521%2,158
Cost of funding earning assets0.5245%4,097
Net interest margin4.3276%775
Noninterest income to average assets0.7700%1,012
Noninterest expense to average assets2.3853%2,557
Loan and lease loss provision to assets0.1700%682
Net operating income to assets1.6658%841
Return on assets (ROA)1.6756%822
Pretax return on assets2.2129%550
Return on Equity (ROE)19.6400%760
Retained earnings to average equity (ytd only)15.7986%480
Net charge-offs to loans0.1958%449
Credit loss provision to net charge-offs131.8417%1,408
Earnings coverage of net charge-offs (x)18.1876%1,873
Efficiency ratio50.1345%3,903
Assets per employee ($millions)6.7488%2,139
Cash dividends to net income (ytd only)*19.5632%2,478
Condition Ratios (%)
Loss allowance to loans0.9459%3,574
Loan loss allowance to noncurrent loans953.3666%899
Noncurrent assets plus other real estate owned to assets0.0691%3,145
Noncurrent loans to loans0.0992%3,082
Net loans and leases to total assets68.9700%1,950
Net loans and leases to deposits80.1386%2,037
Net loans and leases to core deposits83.0308%2,393
Total domestic deposits to total assets86.0700%2,168
Equity capital to assets8.8304%2,519
Core capital (leverage) ratio11.4910%1,679
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1924%1,508
Memoranda:
Average total assets$593,848,0001,497
Average earning assets$547,291,5001,501
Average equity$50,661,5001,581
Average total loans$395,707,5001,476
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7502%2,104
Cost of funding earning assets0.4441%4,091
Net interest margin4.3062%799
Noninterest income to average assets0.6900%1,151
Noninterest expense to average assets2.4017%2,478
Loan and lease loss provision to assets0.1400%795
Net operating income to assets1.6003%953
Return on assets (ROA)1.6148%928
Pretax return on assets2.1279%593
Return on Equity (ROE)19.1500%814
Retained earnings to average equity (ytd only)15.8526%489
Net charge-offs to loans0.2046%390
Credit loss provision to net charge-offs104.2289%1,412
Earnings coverage of net charge-offs (x)16.7413%1,820
Efficiency ratio51.6349%3,802
Assets per employee ($millions)6.6703%2,155
Cash dividends to net income (ytd only)*17.2014%2,534
Condition Ratios (%)
Loss allowance to loans0.9153%3,732
Loan loss allowance to noncurrent loans1,617.2566%680
Noncurrent assets plus other real estate owned to assets0.0381%3,403
Noncurrent loans to loans0.0566%3,292
Net loans and leases to total assets66.6500%2,091
Net loans and leases to deposits77.9816%2,134
Net loans and leases to core deposits80.2792%2,448
Total domestic deposits to total assets85.4700%2,401
Equity capital to assets8.7689%2,679
Core capital (leverage) ratio11.1046%1,858
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6617%1,667
Memoranda:
Average total assets$598,332,3331,475
Average earning assets$550,838,6671,494
Average equity$50,465,0001,591
Average total loans$392,895,0001,472
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6159%2,045
Cost of funding earning assets0.2762%4,240
Net interest margin4.3397%758
Noninterest income to average assets0.6500%1,252
Noninterest expense to average assets2.3980%2,539
Loan and lease loss provision to assets0.0900%1,196
Net operating income to assets1.6448%917
Return on assets (ROA)1.6448%916
Pretax return on assets2.1656%598
Return on Equity (ROE)19.8900%783
Retained earnings to average equity (ytd only)16.5496%636
Net charge-offs to loans0.2443%313
Credit loss provision to net charge-offs56.7227%1,287
Earnings coverage of net charge-offs (x)14.2311%1,571
Efficiency ratio51.5312%3,817
Assets per employee ($millions)6.7368%2,158
Cash dividends to net income (ytd only)*16.8016%2,055
Condition Ratios (%)
Loss allowance to loans0.8960%3,866
Loan loss allowance to noncurrent loans1,448.7705%751
Noncurrent assets plus other real estate owned to assets0.0407%3,376
Noncurrent loans to loans0.0618%3,293
Net loans and leases to total assets65.2100%2,135
Net loans and leases to deposits76.1970%2,097
Net loans and leases to core deposits78.1382%2,379
Total domestic deposits to total assets85.5800%2,700
Equity capital to assets8.6993%2,739
Core capital (leverage) ratio10.9074%1,913
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1340%1,930
Memoranda:
Average total assets$600,671,5001,498
Average earning assets$554,606,0001,507
Average equity$49,669,0001,620
Average total loans$389,673,0001,503
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8952%1,997
Cost of funding earning assets0.0764%4,489
Net interest margin3.8187%1,123
Noninterest income to average assets0.6500%1,457
Noninterest expense to average assets2.2861%2,784
Loan and lease loss provision to assets0.0200%2,518
Net operating income to assets1.4477%1,013
Return on assets (ROA)1.4089%1,071
Pretax return on assets1.8254%693
Return on Equity (ROE)17.6600%757
Retained earnings to average equity (ytd only)14.3936%338
Net charge-offs to loans0.0358%1,368
Credit loss provision to net charge-offs118.1102%1,470
Earnings coverage of net charge-offs (x)90.1339%1,021
Efficiency ratio54.6186%3,735
Assets per employee ($millions)6.9169%2,026
Cash dividends to net income (ytd only)*18.4902%2,957
Condition Ratios (%)
Loss allowance to loans1.1036%2,877
Loan loss allowance to noncurrent loans1,331.3480%792
Noncurrent assets plus other real estate owned to assets0.0530%3,267
Noncurrent loans to loans0.0829%3,162
Net loans and leases to total assets63.2400%2,306
Net loans and leases to deposits70.2945%2,560
Net loans and leases to core deposits70.9624%2,803
Total domestic deposits to total assets89.9700%1,381
Equity capital to assets7.8401%3,156
Core capital (leverage) ratio10.2770%2,385
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4909%1,785
Memoranda:
Average total assets$602,648,8001,472
Average earning assets$557,357,2001,484
Average equity$48,083,8001,671
Average total loans$354,664,8001,533
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7158%1,993
Cost of funding earning assets0.0736%4,463
Net interest margin3.6421%1,291
Noninterest income to average assets0.6200%1,634
Noninterest expense to average assets2.2337%2,837
Loan and lease loss provision to assets0.0300%2,122
Net operating income to assets1.2967%1,361
Return on assets (ROA)1.2967%1,329
Pretax return on assets1.7239%861
Return on Equity (ROE)16.1800%945
Retained earnings to average equity (ytd only)13.1205%590
Net charge-offs to loans0.0292%1,245
Credit loss provision to net charge-offs197.3684%984
Earnings coverage of net charge-offs (x)104.5395%930
Efficiency ratio55.9712%3,627
Assets per employee ($millions)6.9834%1,951
Cash dividends to net income (ytd only)*18.9152%2,511
Condition Ratios (%)
Loss allowance to loans1.1805%2,636
Loan loss allowance to noncurrent loans1,334.7826%778
Noncurrent assets plus other real estate owned to assets0.0524%3,356
Noncurrent loans to loans0.0884%3,248
Net loans and leases to total assets58.5500%2,640
Net loans and leases to deposits64.5336%2,822
Net loans and leases to core deposits64.9580%3,032
Total domestic deposits to total assets90.7200%1,350
Equity capital to assets7.1732%3,421
Core capital (leverage) ratio9.6746%2,891
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3796%1,911
Memoranda:
Average total assets$602,869,2501,482
Average earning assets$557,752,5001,492
Average equity$48,310,0001,682
Average total loans$347,126,7501,549
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4689%2,229
Cost of funding earning assets0.0747%4,425
Net interest margin3.3942%1,622
Noninterest income to average assets0.5416%1,985
Noninterest expense to average assets2.2007%2,853
Loan and lease loss provision to assets0.0417%1,825
Net operating income to assets1.0835%1,840
Return on assets (ROA)1.0835%1,817
Pretax return on assets1.4398%1,331
Return on Equity (ROE)13.0533%1,370
Retained earnings to average equity (ytd only)10.0766%994
Net charge-offs to loans0.0088%1,658
Credit loss provision to net charge-offs833.3333%463
Earnings coverage of net charge-offs (x)295.8000%408
Efficiency ratio59.7661%3,330
Assets per employee ($millions)7.0606%1,898
Cash dividends to net income (ytd only)*22.8043%2,360
Condition Ratios (%)
Loss allowance to loans1.2296%2,535
Loan loss allowance to noncurrent loans1,091.6877%881
Noncurrent assets plus other real estate owned to assets0.0755%3,217
Noncurrent loans to loans0.1126%3,181
Net loans and leases to total assets58.0108%2,537
Net loans and leases to deposits64.2531%2,695
Net loans and leases to core deposits64.6871%2,916
Total domestic deposits to total assets90.2847%1,584
Equity capital to assets7.6613%3,367
Core capital (leverage) ratio9.5926%2,830
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6276%1,825
Memoranda:
Average total assets$598,979,6671,495
Average earning assets$554,235,6671,507
Average equity$49,719,3331,691
Average total loans$341,473,6671,555
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2945%2,402
Cost of funding earning assets0.0772%4,380
Net interest margin3.2173%1,828
Noninterest income to average assets0.5020%2,128
Noninterest expense to average assets2.1698%2,922
Loan and lease loss provision to assets0.0334%1,764
Net operating income to assets0.9572%2,042
Return on assets (ROA)0.9572%2,038
Pretax return on assets1.2788%1,569
Return on Equity (ROE)11.1030%1,587
Retained earnings to average equity (ytd only)8.2342%1,510
Net charge-offs to loans0.0238%1,085
Credit loss provision to net charge-offs250.0000%718
Earnings coverage of net charge-offs (x)98.1500%680
Efficiency ratio62.3152%3,229
Assets per employee ($millions)6.9442%2,030
Cash dividends to net income (ytd only)*25.8380%1,859
Condition Ratios (%)
Loss allowance to loans1.2686%2,506
Loan loss allowance to noncurrent loans1,817.9487%591
Noncurrent assets plus other real estate owned to assets0.0480%3,561
Noncurrent loans to loans0.0698%3,503
Net loans and leases to total assets54.7990%2,656
Net loans and leases to deposits61.1340%2,795
Net loans and leases to core deposits61.5461%3,013
Total domestic deposits to total assets89.6376%1,747
Equity capital to assets8.1919%3,415
Core capital (leverage) ratio9.4582%2,845
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3704%1,676
Memoranda:
Average total assets$598,395,0001,505
Average earning assets$554,249,0001,519
Average equity$51,589,5001,693
Average total loans$335,968,0001,571
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2692%3,298
Cost of funding earning assets0.0947%4,422
Net interest margin3.1744%2,671
Noninterest income to average assets0.4769%2,691
Noninterest expense to average assets2.2425%2,961
Loan and lease loss provision to assets-0.0541%4,372
Net operating income to assets0.9476%2,878
Return on assets (ROA)0.9476%2,949
Pretax return on assets1.2283%2,576
Return on Equity (ROE)10.0088%2,516
Retained earnings to average equity (ytd only)7.4161%1,758
Net charge-offs to loans-0.3508%4,759
Credit loss provision to net charge-offs26.8097%2,250
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.6347%2,315
Assets per employee ($millions)6.8912%1,998
Cash dividends to net income (ytd only)*25.9048%2,747
Condition Ratios (%)
Loss allowance to loans1.2548%2,603
Loan loss allowance to noncurrent loans1,427.0270%674
Noncurrent assets plus other real estate owned to assets0.0704%3,471
Noncurrent loans to loans0.0879%3,498
Net loans and leases to total assets56.0863%2,599
Net loans and leases to deposits62.9898%2,785
Net loans and leases to core deposits63.4534%3,033
Total domestic deposits to total assets89.0402%1,493
Equity capital to assets9.0590%3,556
Core capital (leverage) ratio9.3135%3,052
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9999%1,511
Memoranda:
Average total assets$554,025,2001,562
Average earning assets$513,068,4001,566
Average equity$52,453,6001,691
Average total loans$319,006,0001,623
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2461%3,524
Cost of funding earning assets0.0987%4,516
Net interest margin3.1474%2,911
Noninterest income to average assets0.4612%2,792
Noninterest expense to average assets2.2440%2,911
Loan and lease loss provision to assets-0.0735%4,531
Net operating income to assets0.9028%3,242
Return on assets (ROA)0.9028%3,317
Pretax return on assets1.2026%2,920
Return on Equity (ROE)9.4248%2,957
Retained earnings to average equity (ytd only)6.9497%2,439
Net charge-offs to loans-0.4700%4,840
Credit loss provision to net charge-offs27.0514%1,964
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.5263%2,028
Assets per employee ($millions)7.0114%1,861
Cash dividends to net income (ytd only)*26.2615%2,256
Condition Ratios (%)
Loss allowance to loans1.3039%2,466
Loan loss allowance to noncurrent loans2,161.0256%437
Noncurrent assets plus other real estate owned to assets0.0647%3,676
Noncurrent loans to loans0.0603%3,797
Net loans and leases to total assets54.1587%2,953
Net loans and leases to deposits60.8936%3,148
Net loans and leases to core deposits61.4077%3,369
Total domestic deposits to total assets88.9400%1,318
Equity capital to assets9.0580%3,776
Core capital (leverage) ratio9.2283%3,295
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4239%1,510
Memoranda:
Average total assets$544,370,0001,593
Average earning assets$503,640,5001,603
Average equity$52,145,0001,723
Average total loans$314,603,2501,675
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3299%3,361
Cost of funding earning assets0.1005%4,581
Net interest margin3.2294%2,667
Noninterest income to average assets0.4491%2,847
Noninterest expense to average assets2.2508%2,916
Loan and lease loss provision to assets-0.1133%4,651
Net operating income to assets0.9722%2,991
Return on assets (ROA)0.9722%3,075
Pretax return on assets1.2959%2,640
Return on Equity (ROE)9.9490%2,760
Retained earnings to average equity (ytd only)7.4637%2,269
Net charge-offs to loans-0.4844%4,871
Credit loss provision to net charge-offs39.7351%1,660
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5556%2,215
Assets per employee ($millions)6.9425%1,849
Cash dividends to net income (ytd only)*24.9806%2,302
Condition Ratios (%)
Loss allowance to loans1.2036%2,918
Loan loss allowance to noncurrent loans1,930.0000%432
Noncurrent assets plus other real estate owned to assets0.0686%3,752
Noncurrent loans to loans0.0624%3,871
Net loans and leases to total assets56.3422%2,861
Net loans and leases to deposits63.6205%3,038
Net loans and leases to core deposits64.2244%3,269
Total domestic deposits to total assets88.5599%1,534
Equity capital to assets9.3484%3,472
Core capital (leverage) ratio9.6895%2,718
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.8122%1,386
Memoranda:
Average total assets$529,507,3331,625
Average earning assets$489,319,0001,636
Average equity$51,744,0001,724
Average total loans$311,742,3331,693
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4181%3,144
Cost of funding earning assets0.1003%4,645
Net interest margin3.3178%2,336
Noninterest income to average assets0.4241%2,962
Noninterest expense to average assets2.2741%2,868
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.9051%3,113
Return on assets (ROA)0.9051%3,192
Pretax return on assets1.2193%2,792
Return on Equity (ROE)9.0472%3,023
Retained earnings to average equity (ytd only)6.5224%2,722
Net charge-offs to loans-0.6040%4,894
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0971%2,344
Assets per employee ($millions)6.4836%2,191
Cash dividends to net income (ytd only)*27.9070%1,774
Condition Ratios (%)
Loss allowance to loans1.2190%2,825
Loan loss allowance to noncurrent loans1,868.5990%393
Noncurrent assets plus other real estate owned to assets0.0984%3,698
Noncurrent loans to loans0.0652%3,963
Net loans and leases to total assets58.9576%2,676
Net loans and leases to deposits66.7441%2,835
Net loans and leases to core deposits67.4135%3,117
Total domestic deposits to total assets88.3339%1,687
Equity capital to assets9.6122%3,089
Core capital (leverage) ratio10.1436%2,389
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.7193%1,380
Memoranda:
Average total assets$513,091,0001,656
Average earning assets$474,645,5001,666
Average equity$51,331,0001,726
Average total loans$307,266,0001,706
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0189%2,668
Cost of funding earning assets0.1298%4,789
Net interest margin3.8891%1,247
Noninterest income to average assets0.4755%2,752
Noninterest expense to average assets2.5069%2,826
Loan and lease loss provision to assets0.1381%2,634
Net operating income to assets1.0716%2,017
Return on assets (ROA)1.1024%2,039
Pretax return on assets1.4295%1,573
Return on Equity (ROE)9.7388%2,100
Retained earnings to average equity (ytd only)7.8477%1,100
Net charge-offs to loans0.0512%2,062
Credit loss provision to net charge-offs394.1176%1,449
Earnings coverage of net charge-offs (x)43.6405%1,315
Efficiency ratio62.1206%3,106
Assets per employee ($millions)5.9581%2,371
Cash dividends to net income (ytd only)*19.4185%3,267
Condition Ratios (%)
Loss allowance to loans1.1457%3,228
Loan loss allowance to noncurrent loans1,629.1866%454
Noncurrent assets plus other real estate owned to assets0.1062%3,765
Noncurrent loans to loans0.0703%4,014
Net loans and leases to total assets59.4119%2,935
Net loans and leases to deposits67.9022%3,090
Net loans and leases to core deposits68.6423%3,362
Total domestic deposits to total assets87.4963%1,707
Equity capital to assets10.4258%2,735
Core capital (leverage) ratio10.6250%2,065
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8589%1,580
Memoranda:
Average total assets$436,790,8001,743
Average earning assets$399,834,0001,768
Average equity$49,441,4001,711
Average total loans$298,728,2001,688
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0978%2,677
Cost of funding earning assets0.1342%4,848
Net interest margin3.9636%1,200
Noninterest income to average assets0.4868%2,668
Noninterest expense to average assets2.5520%2,686
Loan and lease loss provision to assets0.1904%2,085
Net operating income to assets1.0075%2,312
Return on assets (ROA)1.0496%2,279
Pretax return on assets1.4146%1,678
Return on Equity (ROE)9.0636%2,373
Retained earnings to average equity (ytd only)7.3872%1,544
Net charge-offs to loans-0.0210%4,436
Credit loss provision to net charge-offs-1,282.9787%3,977
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1894%3,043
Assets per employee ($millions)5.8007%2,449
Cash dividends to net income (ytd only)*18.4962%2,856
Condition Ratios (%)
Loss allowance to loans1.1265%3,056
Loan loss allowance to noncurrent loans850.2358%680
Noncurrent assets plus other real estate owned to assets0.1556%3,636
Noncurrent loans to loans0.1325%3,849
Net loans and leases to total assets66.5229%2,444
Net loans and leases to deposits76.3030%2,721
Net loans and leases to core deposits77.1676%3,080
Total domestic deposits to total assets87.1826%1,590
Equity capital to assets10.5830%2,718
Core capital (leverage) ratio10.7404%2,067
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3487%1,709
Memoranda:
Average total assets$422,357,5001,767
Average earning assets$385,398,7501,795
Average equity$48,912,2501,718
Average total loans$299,107,5001,683
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2477%2,611
Cost of funding earning assets0.1407%4,902
Net interest margin4.1071%1,096
Noninterest income to average assets0.4988%2,570
Noninterest expense to average assets2.5764%2,752
Loan and lease loss provision to assets0.1607%2,393
Net operating income to assets1.1013%1,959
Return on assets (ROA)1.1177%2,025
Pretax return on assets1.5062%1,441
Return on Equity (ROE)9.3359%2,233
Retained earnings to average equity (ytd only)8.0187%1,300
Net charge-offs to loans-0.0240%4,466
Credit loss provision to net charge-offs-928.5714%3,738
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0162%3,275
Assets per employee ($millions)5.5099%2,630
Cash dividends to net income (ytd only)*14.1088%2,937
Condition Ratios (%)
Loss allowance to loans1.0148%3,499
Loan loss allowance to noncurrent loans898.3740%617
Noncurrent assets plus other real estate owned to assets0.1516%3,765
Noncurrent loans to loans0.1130%3,996
Net loans and leases to total assets71.5662%1,789
Net loans and leases to deposits82.5292%2,148
Net loans and leases to core deposits83.4200%2,662
Total domestic deposits to total assets86.7162%1,729
Equity capital to assets10.9963%2,342
Core capital (leverage) ratio11.6747%1,563
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8964%1,861
Memoranda:
Average total assets$404,591,0001,801
Average earning assets$366,830,6671,830
Average equity$48,436,6671,721
Average total loans$292,134,6671,697
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5815%2,052
Cost of funding earning assets0.1517%4,967
Net interest margin4.4298%587
Noninterest income to average assets0.5439%2,310
Noninterest expense to average assets2.7886%2,462
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets1.2914%1,265
Return on assets (ROA)1.2914%1,360
Pretax return on assets1.7408%789
Return on Equity (ROE)10.2900%1,647
Retained earnings to average equity (ytd only)8.5750%1,084
Net charge-offs to loans-0.0859%4,789
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.5670%3,544
Assets per employee ($millions)4.8479%2,818
Cash dividends to net income (ytd only)*16.6667%2,394
Condition Ratios (%)
Loss allowance to loans1.0802%3,308
Loan loss allowance to noncurrent loans1,702.8249%344
Noncurrent assets plus other real estate owned to assets0.1470%3,909
Noncurrent loans to loans0.0634%4,283
Net loans and leases to total assets72.0701%1,909
Net loans and leases to deposits85.2231%2,088
Net loans and leases to core deposits86.3331%2,652
Total domestic deposits to total assets84.5663%2,578
Equity capital to assets12.6942%1,624
Core capital (leverage) ratio12.7721%1,302
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8160%1,654
Memoranda:
Average total assets$380,979,5001,838
Average earning assets$342,768,5001,879
Average equity$47,813,5001,729
Average total loans$274,871,5001,740
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7570%2,177
Cost of funding earning assets0.1379%5,060
Net interest margin4.6191%548
Noninterest income to average assets0.5639%2,400
Noninterest expense to average assets2.8661%2,391
Loan and lease loss provision to assets-0.0992%5,081
Net operating income to assets1.4771%1,111
Return on assets (ROA)1.4664%1,199
Pretax return on assets1.9196%714
Return on Equity (ROE)12.1304%1,461
Retained earnings to average equity (ytd only)8.3305%878
Net charge-offs to loans-0.0427%4,796
Credit loss provision to net charge-offs308.4034%899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.9808%3,539
Assets per employee ($millions)4.7971%2,840
Cash dividends to net income (ytd only)*31.3249%3,019
Condition Ratios (%)
Loss allowance to loans1.0919%3,000
Loan loss allowance to noncurrent loans1,919.4805%324
Noncurrent assets plus other real estate owned to assets0.1792%3,757
Noncurrent loans to loans0.0569%4,310
Net loans and leases to total assets70.6527%2,298
Net loans and leases to deposits83.1697%2,422
Net loans and leases to core deposits83.9473%2,954
Total domestic deposits to total assets84.9501%2,512
Equity capital to assets12.4046%1,882
Core capital (leverage) ratio12.6001%1,429
Tier 1 risk-based capital ratio15.0971%2,742
Total risk-based capital ratio16.0465%2,795
Memoranda:
Average total assets$370,081,4001,843
Average earning assets$331,386,8001,873
Average equity$44,739,0001,766
Average total loans$278,602,8001,694
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8181%2,064
Cost of funding earning assets0.1372%5,139
Net interest margin4.6809%515
Noninterest income to average assets0.5698%2,354
Noninterest expense to average assets2.9032%2,259
Loan and lease loss provision to assets0.0036%3,794
Net operating income to assets1.3786%1,536
Return on assets (ROA)1.3643%1,663
Pretax return on assets1.8383%1,000
Return on Equity (ROE)11.3616%1,862
Retained earnings to average equity (ytd only)7.7394%1,522
Net charge-offs to loans-0.0342%4,736
Credit loss provision to net charge-offs-13.8889%3,965
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.9496%3,485
Assets per employee ($millions)4.8471%2,734
Cash dividends to net income (ytd only)*31.8810%2,516
Condition Ratios (%)
Loss allowance to loans1.1788%2,621
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1756%3,874
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets72.8380%2,029
Net loans and leases to deposits85.5005%2,260
Net loans and leases to core deposits86.0259%2,905
Total domestic deposits to total assets85.1902%2,353
Equity capital to assets12.1344%2,159
Core capital (leverage) ratio12.3373%1,665
Tier 1 risk-based capital ratio14.4810%3,083
Total risk-based capital ratio15.5196%3,092
Memoranda:
Average total assets$367,858,7501,866
Average earning assets$329,555,0001,901
Average equity$44,171,2501,793
Average total loans$280,576,0001,701
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8563%1,890
Cost of funding earning assets0.1404%5,180
Net interest margin4.7159%479
Noninterest income to average assets0.5954%2,173
Noninterest expense to average assets2.9710%2,083
Loan and lease loss provision to assets0.0055%3,619
Net operating income to assets1.3648%1,529
Return on assets (ROA)1.3648%1,588
Pretax return on assets1.8389%958
Return on Equity (ROE)11.4076%1,822
Retained earnings to average equity (ytd only)7.7839%1,479
Net charge-offs to loans-0.0427%4,791
Credit loss provision to net charge-offs-16.6667%3,768
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6980%3,482
Assets per employee ($millions)4.4636%3,196
Cash dividends to net income (ytd only)*31.7652%2,560
Condition Ratios (%)
Loss allowance to loans1.1733%2,658
Loan loss allowance to noncurrent loans1,596.5854%406
Noncurrent assets plus other real estate owned to assets0.2740%3,460
Noncurrent loans to loans0.0735%4,349
Net loans and leases to total assets75.3177%1,667
Net loans and leases to deposits88.4838%1,943
Net loans and leases to core deposits88.9598%2,699
Total domestic deposits to total assets85.1203%2,425
Equity capital to assets12.2656%2,011
Core capital (leverage) ratio12.5642%1,503
Tier 1 risk-based capital ratio14.4064%3,112
Total risk-based capital ratio15.4556%3,122
Memoranda:
Average total assets$364,454,0001,889
Average earning assets$326,132,0001,925
Average equity$43,602,6701,807
Average total loans$281,212,6701,706
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8531%1,756
Cost of funding earning assets0.1451%5,217
Net interest margin4.7080%486
Noninterest income to average assets0.5653%2,203
Noninterest expense to average assets2.9730%2,068
Loan and lease loss provision to assets0.0110%3,291
Net operating income to assets1.3298%1,598
Return on assets (ROA)1.3298%1,637
Pretax return on assets1.7917%991
Return on Equity (ROE)11.2578%1,840
Retained earnings to average equity (ytd only)7.5331%1,828
Net charge-offs to loans-0.0723%4,943
Credit loss provision to net charge-offs-19.6078%3,443
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.2524%3,493
Assets per employee ($millions)4.6034%3,036
Cash dividends to net income (ytd only)*33.0852%2,137
Condition Ratios (%)
Loss allowance to loans1.1555%2,818
Loan loss allowance to noncurrent loans2,863.1579%243
Noncurrent assets plus other real estate owned to assets0.2865%3,459
Noncurrent loans to loans0.0404%4,583
Net loans and leases to total assets76.7756%1,351
Net loans and leases to deposits91.3063%1,482
Net loans and leases to core deposits91.7365%2,323
Total domestic deposits to total assets84.0858%3,025
Equity capital to assets11.9611%2,038
Core capital (leverage) ratio12.2588%1,628
Tier 1 risk-based capital ratio14.1220%3,288
Total risk-based capital ratio15.1686%3,301
Memoranda:
Average total assets$363,673,5001,901
Average earning assets$325,234,5001,940
Average equity$42,957,0001,821
Average total loans$282,345,5001,712
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6756%1,913
Cost of funding earning assets0.0942%5,298
Net interest margin4.5815%627
Noninterest income to average assets0.5893%2,353
Noninterest expense to average assets2.9527%2,180
Loan and lease loss provision to assets0.0126%3,891
Net operating income to assets1.3176%1,732
Return on assets (ROA)1.3063%1,755
Pretax return on assets1.6980%1,171
Return on Equity (ROE)11.5966%1,865
Retained earnings to average equity (ytd only)8.4249%1,075
Net charge-offs to loans0.0239%2,929
Credit loss provision to net charge-offs69.2308%2,997
Earnings coverage of net charge-offs (x)95.0615%761
Efficiency ratio63.1259%3,320
Assets per employee ($millions)4.6035%3,014
Cash dividends to net income (ytd only)*27.3504%3,157
Condition Ratios (%)
Loss allowance to loans1.1349%2,905
Loan loss allowance to noncurrent loans349.6725%1,452
Noncurrent assets plus other real estate owned to assets0.5070%2,562
Noncurrent loans to loans0.3246%3,391
Net loans and leases to total assets76.7203%1,482
Net loans and leases to deposits89.4938%1,863
Net loans and leases to core deposits89.9076%2,581
Total domestic deposits to total assets85.7269%2,354
Equity capital to assets11.6628%2,128
Core capital (leverage) ratio11.8955%1,801
Tier 1 risk-based capital ratio13.8992%3,332
Total risk-based capital ratio14.9287%3,371
Memoranda:
Average total assets$358,250,2001,887
Average earning assets$319,679,0001,927
Average equity$40,356,8001,846
Average total loans$271,914,2001,716
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5980%1,977
Cost of funding earning assets0.0887%5,379
Net interest margin4.5093%727
Noninterest income to average assets0.5798%2,417
Noninterest expense to average assets2.9577%2,148
Loan and lease loss provision to assets0.0168%3,677
Net operating income to assets1.2099%2,204
Return on assets (ROA)1.2138%2,184
Pretax return on assets1.6348%1,468
Return on Equity (ROE)10.8726%2,229
Retained earnings to average equity (ytd only)7.6600%1,816
Net charge-offs to loans0.0381%2,320
Credit loss provision to net charge-offs58.4416%2,763
Earnings coverage of net charge-offs (x)57.2491%1,082
Efficiency ratio64.2353%3,143
Assets per employee ($millions)4.5376%3,064
Cash dividends to net income (ytd only)*29.5476%2,574
Condition Ratios (%)
Loss allowance to loans1.1638%2,825
Loan loss allowance to noncurrent loans315.0049%1,598
Noncurrent assets plus other real estate owned to assets0.5526%2,535
Noncurrent loans to loans0.3695%3,322
Net loans and leases to total assets74.6523%1,879
Net loans and leases to deposits86.6210%2,304
Net loans and leases to core deposits87.0188%2,919
Total domestic deposits to total assets86.1826%2,106
Equity capital to assets11.2320%2,445
Core capital (leverage) ratio11.6608%2,039
Tier 1 risk-based capital ratio13.7409%3,491
Total risk-based capital ratio14.7804%3,523
Memoranda:
Average total assets$356,893,5001,898
Average earning assets$318,537,0001,945
Average equity$39,842,2501,866
Average total loans$269,338,5001,732
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5451%1,950
Cost of funding earning assets0.0904%5,427
Net interest margin4.4547%763
Noninterest income to average assets0.5760%2,449
Noninterest expense to average assets2.9668%2,142
Loan and lease loss provision to assets0.0254%3,409
Net operating income to assets1.1558%2,371
Return on assets (ROA)1.1616%2,347
Pretax return on assets1.5646%1,622
Return on Equity (ROE)10.4270%2,367
Retained earnings to average equity (ytd only)7.1891%1,984
Net charge-offs to loans0.0508%1,876
Credit loss provision to net charge-offs66.1765%2,388
Earnings coverage of net charge-offs (x)41.2941%1,264
Efficiency ratio65.2131%3,119
Assets per employee ($millions)4.4216%3,246
Cash dividends to net income (ytd only)*31.0529%2,539
Condition Ratios (%)
Loss allowance to loans1.1997%2,716
Loan loss allowance to noncurrent loans296.2963%1,658
Noncurrent assets plus other real estate owned to assets0.5928%2,448
Noncurrent loans to loans0.4049%3,245
Net loans and leases to total assets73.5789%2,016
Net loans and leases to deposits85.3788%2,393
Net loans and leases to core deposits85.8592%2,935
Total domestic deposits to total assets86.1794%2,199
Equity capital to assets11.1799%2,475
Core capital (leverage) ratio11.7776%1,852
Tier 1 risk-based capital ratio13.6412%3,536
Total risk-based capital ratio14.7006%3,561
Memoranda:
Average total assets$354,855,6701,913
Average earning assets$316,518,6701,960
Average equity$39,532,0001,883
Average total loans$267,723,3301,745
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5815%1,623
Cost of funding earning assets0.0853%5,489
Net interest margin4.4962%625
Noninterest income to average assets0.5730%2,402
Noninterest expense to average assets2.9965%2,070
Loan and lease loss provision to assets0.0340%3,049
Net operating income to assets1.1435%2,247
Return on assets (ROA)1.1551%2,206
Pretax return on assets1.5560%1,511
Return on Equity (ROE)10.3876%2,238
Retained earnings to average equity (ytd only)7.1288%2,224
Net charge-offs to loans0.0954%1,221
Credit loss provision to net charge-offs46.8750%1,973
Earnings coverage of net charge-offs (x)21.7344%1,423
Efficiency ratio65.5437%3,244
Assets per employee ($millions)4.4326%3,278
Cash dividends to net income (ytd only)*31.3725%2,109
Condition Ratios (%)
Loss allowance to loans1.1995%2,806
Loan loss allowance to noncurrent loans728.0822%790
Noncurrent assets plus other real estate owned to assets0.4252%3,133
Noncurrent loans to loans0.1647%4,239
Net loans and leases to total assets75.0134%1,702
Net loans and leases to deposits88.0394%1,923
Net loans and leases to core deposits88.4717%2,593
Total domestic deposits to total assets85.2044%2,856
Equity capital to assets11.2510%2,344
Core capital (leverage) ratio11.5901%1,944
Tier 1 risk-based capital ratio13.3572%3,744
Total risk-based capital ratio14.4183%3,768
Memoranda:
Average total assets$353,207,0001,931
Average earning assets$314,130,0001,980
Average equity$39,277,5001,901
Average total loans$268,222,5001,751
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4875%1,748
Cost of funding earning assets0.0800%5,551
Net interest margin4.4075%749
Noninterest income to average assets0.5633%2,642
Noninterest expense to average assets2.9864%2,198
Loan and lease loss provision to assets0.0433%3,376
Net operating income to assets0.7332%3,460
Return on assets (ROA)0.7278%3,520
Pretax return on assets1.4228%1,919
Return on Equity (ROE)6.5161%3,521
Retained earnings to average equity (ytd only)3.8668%2,889
Net charge-offs to loans0.1020%2,048
Credit loss provision to net charge-offs57.4713%3,241
Earnings coverage of net charge-offs (x)19.5670%2,017
Efficiency ratio66.9471%3,086
Assets per employee ($millions)4.5094%3,165
Cash dividends to net income (ytd only)*40.6585%2,830
Condition Ratios (%)
Loss allowance to loans1.1908%2,834
Loan loss allowance to noncurrent loans705.0328%841
Noncurrent assets plus other real estate owned to assets0.4070%3,228
Noncurrent loans to loans0.1689%4,245
Net loans and leases to total assets75.0495%1,744
Net loans and leases to deposits86.8130%2,157
Net loans and leases to core deposits87.3228%2,785
Total domestic deposits to total assets86.4497%2,254
Equity capital to assets10.9917%2,631
Core capital (leverage) ratio11.1367%2,208
Tier 1 risk-based capital ratio13.0147%3,894
Total risk-based capital ratio14.0697%3,920
Memoranda:
Average total assets$346,369,8001,935
Average earning assets$306,293,2002,011
Average equity$38,688,8001,909
Average total loans$255,772,8001,784
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4175%1,916
Cost of funding earning assets0.0790%5,621
Net interest margin4.3385%839
Noninterest income to average assets0.5567%2,687
Noninterest expense to average assets2.9938%2,126
Loan and lease loss provision to assets0.0582%2,921
Net operating income to assets0.8743%3,152
Return on assets (ROA)0.8743%3,202
Pretax return on assets1.3372%2,336
Return on Equity (ROE)7.7948%3,239
Retained earnings to average equity (ytd only)5.2887%2,696
Net charge-offs to loans0.1306%1,480
Credit loss provision to net charge-offs60.7287%2,801
Earnings coverage of net charge-offs (x)14.5706%2,288
Efficiency ratio68.2095%2,842
Assets per employee ($millions)4.4956%3,153
Cash dividends to net income (ytd only)*32.1507%2,653
Condition Ratios (%)
Loss allowance to loans1.2539%2,621
Loan loss allowance to noncurrent loans288.4135%1,640
Noncurrent assets plus other real estate owned to assets0.6138%2,672
Noncurrent loans to loans0.4348%3,404
Net loans and leases to total assets71.7549%2,292
Net loans and leases to deposits83.2066%2,636
Net loans and leases to core deposits83.6974%3,154
Total domestic deposits to total assets86.2370%2,217
Equity capital to assets11.1064%2,759
Core capital (leverage) ratio11.2330%2,240
Tier 1 risk-based capital ratio13.3689%3,784
Total risk-based capital ratio14.4585%3,788
Memoranda:
Average total assets$343,901,7501,956
Average earning assets$303,785,2502,041
Average equity$38,571,7501,931
Average total loans$252,071,0001,814
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3578%1,951
Cost of funding earning assets0.0794%5,657
Net interest margin4.2785%917
Noninterest income to average assets0.5427%2,755
Noninterest expense to average assets3.0034%2,101
Loan and lease loss provision to assets0.0882%2,218
Net operating income to assets0.8055%3,371
Return on assets (ROA)0.8055%3,428
Pretax return on assets1.2236%2,684
Return on Equity (ROE)7.1577%3,474
Retained earnings to average equity (ytd only)4.9372%2,749
Net charge-offs to loans0.0632%2,024
Credit loss provision to net charge-offs189.8734%1,319
Earnings coverage of net charge-offs (x)28.2405%1,511
Efficiency ratio69.6008%2,751
Assets per employee ($millions)4.2797%3,470
Cash dividends to net income (ytd only)*31.0219%2,747
Condition Ratios (%)
Loss allowance to loans1.3384%2,239
Loan loss allowance to noncurrent loans272.8365%1,711
Noncurrent assets plus other real estate owned to assets0.6652%2,546
Noncurrent loans to loans0.4905%3,278
Net loans and leases to total assets72.4097%2,134
Net loans and leases to deposits84.1509%2,452
Net loans and leases to core deposits84.7349%2,987
Total domestic deposits to total assets86.0475%2,359
Equity capital to assets11.2212%2,569
Core capital (leverage) ratio11.5465%1,937
Tier 1 risk-based capital ratio13.3853%3,760
Total risk-based capital ratio14.5536%3,718
Memoranda:
Average total assets$340,150,6701,980
Average earning assets$299,920,3302,057
Average equity$38,280,6701,943
Average total loans$250,069,0001,826
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3361%1,863
Cost of funding earning assets0.0796%5,719
Net interest margin4.2565%876
Noninterest income to average assets0.6008%2,412
Noninterest expense to average assets3.0229%2,103
Loan and lease loss provision to assets0.1069%1,787
Net operating income to assets0.7955%3,241
Return on assets (ROA)0.7955%3,296
Pretax return on assets1.2182%2,515
Return on Equity (ROE)7.0579%3,377
Retained earnings to average equity (ytd only)5.2144%2,779
Net charge-offs to loans-0.0371%5,037
Credit loss provision to net charge-offs-391.3043%4,189
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.5248%2,966
Assets per employee ($millions)4.2441%3,599
Cash dividends to net income (ytd only)*26.1194%2,389
Condition Ratios (%)
Loss allowance to loans1.3603%2,261
Loan loss allowance to noncurrent loans209.4168%2,171
Noncurrent assets plus other real estate owned to assets0.9996%1,819
Noncurrent loans to loans0.6496%2,877
Net loans and leases to total assets73.6189%1,800
Net loans and leases to deposits85.6089%2,080
Net loans and leases to core deposits86.3659%2,685
Total domestic deposits to total assets85.9945%2,668
Equity capital to assets11.2611%2,376
Core capital (leverage) ratio11.5081%1,938
Tier 1 risk-based capital ratio13.2490%3,910
Total risk-based capital ratio14.4424%3,875
Memoranda:
Average total assets$336,898,5002,010
Average earning assets$296,583,0002,091
Average equity$37,971,5001,962
Average total loans$247,895,0001,845
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3183%2,085
Cost of funding earning assets0.1038%5,686
Net interest margin4.2145%1,079
Noninterest income to average assets0.7911%1,777
Noninterest expense to average assets3.0738%2,113
Loan and lease loss provision to assets0.4321%341
Net operating income to assets0.6235%4,108
Return on assets (ROA)0.6313%4,192
Pretax return on assets0.9985%3,485
Return on Equity (ROE)5.6862%4,124
Retained earnings to average equity (ytd only)4.5133%2,690
Net charge-offs to loans1.1663%148
Credit loss provision to net charge-offs51.9388%3,354
Earnings coverage of net charge-offs (x)1.7051%3,952
Efficiency ratio68.4235%3,171
Assets per employee ($millions)4.2856%3,460
Cash dividends to net income (ytd only)*20.6282%3,702
Condition Ratios (%)
Loss allowance to loans1.3755%2,192
Loan loss allowance to noncurrent loans168.2139%2,583
Noncurrent assets plus other real estate owned to assets1.1159%1,668
Noncurrent loans to loans0.8177%2,479
Net loans and leases to total assets71.5149%2,238
Net loans and leases to deposits83.1235%2,522
Net loans and leases to core deposits84.2737%2,999
Total domestic deposits to total assets86.0345%2,566
Equity capital to assets11.2809%2,344
Core capital (leverage) ratio10.8512%2,487
Tier 1 risk-based capital ratio13.3371%3,870
Total risk-based capital ratio14.5437%3,814
Memoranda:
Average total assets$337,893,2001,962
Average earning assets$296,736,6002,067
Average equity$37,511,6001,953
Average total loans$241,012,0001,841
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3119%2,126
Cost of funding earning assets0.1080%5,731
Net interest margin4.2039%1,111
Noninterest income to average assets0.8146%1,701
Noninterest expense to average assets3.0598%2,128
Loan and lease loss provision to assets0.5352%225
Net operating income to assets0.6114%4,242
Return on assets (ROA)0.6222%4,323
Pretax return on assets0.9276%3,884
Return on Equity (ROE)5.6269%4,259
Retained earnings to average equity (ytd only)4.5983%3,083
Net charge-offs to loans1.5091%89
Credit loss provision to net charge-offs49.9266%3,036
Earnings coverage of net charge-offs (x)1.3495%3,704
Efficiency ratio67.8980%3,240
Assets per employee ($millions)4.2592%3,489
Cash dividends to net income (ytd only)*18.2794%3,303
Condition Ratios (%)
Loss allowance to loans1.4026%2,188
Loan loss allowance to noncurrent loans203.1022%2,217
Noncurrent assets plus other real estate owned to assets0.9832%2,108
Noncurrent loans to loans0.6906%2,966
Net loans and leases to total assets68.0356%2,797
Net loans and leases to deposits78.8152%3,095
Net loans and leases to core deposits80.0929%3,435
Total domestic deposits to total assets86.3229%2,205
Equity capital to assets11.0571%2,950
Core capital (leverage) ratio10.6892%2,797
Tier 1 risk-based capital ratio13.2652%3,997
Total risk-based capital ratio14.4783%3,929
Memoranda:
Average total assets$338,798,2501,960
Average earning assets$297,525,7502,059
Average equity$37,462,2501,969
Average total loans$240,667,7501,846
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3383%2,023
Cost of funding earning assets0.1117%5,800
Net interest margin4.2266%1,066
Noninterest income to average assets0.8404%1,583
Noninterest expense to average assets3.1289%1,986
Loan and lease loss provision to assets0.7187%154
Net operating income to assets0.4689%4,805
Return on assets (ROA)0.4853%4,839
Pretax return on assets0.7246%4,547
Return on Equity (ROE)4.3885%4,761
Retained earnings to average equity (ytd only)3.7761%3,491
Net charge-offs to loans2.3061%62
Credit loss provision to net charge-offs43.4470%2,738
Earnings coverage of net charge-offs (x)0.8578%3,476
Efficiency ratio68.7998%3,193
Assets per employee ($millions)4.0531%3,813
Cash dividends to net income (ytd only)*13.9535%3,378
Condition Ratios (%)
Loss allowance to loans1.3058%2,749
Loan loss allowance to noncurrent loans190.0365%2,383
Noncurrent assets plus other real estate owned to assets1.0172%2,107
Noncurrent loans to loans0.6871%3,017
Net loans and leases to total assets70.2775%2,435
Net loans and leases to deposits81.5145%2,761
Net loans and leases to core deposits82.9447%3,177
Total domestic deposits to total assets86.2147%2,320
Equity capital to assets11.1733%2,873
Core capital (leverage) ratio10.8079%2,640
Tier 1 risk-based capital ratio13.0168%4,191
Total risk-based capital ratio14.1537%4,170
Memoranda:
Average total assets$336,731,3301,980
Average earning assets$295,368,3302,083
Average equity$37,234,0001,984
Average total loans$241,536,6701,850
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3478%1,970
Cost of funding earning assets0.1166%5,837
Net interest margin4.2312%1,033
Noninterest income to average assets0.8632%1,406
Noninterest expense to average assets3.1523%1,952
Loan and lease loss provision to assets0.1781%1,138
Net operating income to assets0.8264%3,118
Return on assets (ROA)0.8264%3,244
Pretax return on assets1.2384%2,541
Return on Equity (ROE)7.5128%3,179
Retained earnings to average equity (ytd only)6.2822%2,245
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9969%3,301
Assets per employee ($millions)4.0503%3,862
Cash dividends to net income (ytd only)*16.3793%2,609
Condition Ratios (%)
Loss allowance to loans1.9992%820
Loan loss allowance to noncurrent loans108.8849%3,445
Noncurrent assets plus other real estate owned to assets1.9112%932
Noncurrent loans to loans1.8360%1,208
Net loans and leases to total assets70.7676%2,225
Net loans and leases to deposits82.0563%2,537
Net loans and leases to core deposits83.4216%2,991
Total domestic deposits to total assets86.2427%2,574
Equity capital to assets11.1354%2,790
Core capital (leverage) ratio10.6955%2,736
Tier 1 risk-based capital ratio12.7943%4,402
Total risk-based capital ratio14.0548%4,304
Memoranda:
Average total assets$336,893,0001,990
Average earning assets$295,044,5002,087
Average equity$37,057,0001,982
Average total loans$242,531,5001,846
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3016%2,230
Cost of funding earning assets0.2797%4,486
Net interest margin4.0220%1,644
Noninterest income to average assets0.7506%1,984
Noninterest expense to average assets3.0740%2,312
Loan and lease loss provision to assets0.1644%1,400
Net operating income to assets0.6223%4,175
Return on assets (ROA)1.2096%1,584
Pretax return on assets1.5919%1,268
Return on Equity (ROE)11.7198%1,377
Retained earnings to average equity (ytd only)7.6966%1,017
Net charge-offs to loans0.1066%2,326
Credit loss provision to net charge-offs215.3846%1,321
Earnings coverage of net charge-offs (x)15.3115%2,213
Efficiency ratio72.4479%2,838
Assets per employee ($millions)3.8365%4,233
Cash dividends to net income (ytd only)*34.3287%3,127
Condition Ratios (%)
Loss allowance to loans1.9409%897
Loan loss allowance to noncurrent loans86.1671%3,988
Noncurrent assets plus other real estate owned to assets2.2067%767
Noncurrent loans to loans2.2525%865
Net loans and leases to total assets70.3781%2,312
Net loans and leases to deposits81.5300%2,651
Net loans and leases to core deposits83.0747%3,042
Total domestic deposits to total assets86.3217%2,480
Equity capital to assets10.8644%2,974
Core capital (leverage) ratio10.3817%3,070
Tier 1 risk-based capital ratio12.5585%4,590
Total risk-based capital ratio13.8189%4,481
Memoranda:
Average total assets$340,531,4001,920
Average earning assets$295,700,8002,045
Average equity$35,145,6002,032
Average total loans$244,002,2001,767
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2975%2,237
Cost of funding earning assets0.3254%4,040
Net interest margin3.9721%1,796
Noninterest income to average assets0.7259%2,127
Noninterest expense to average assets3.0213%2,456
Loan and lease loss provision to assets0.1641%1,297
Net operating income to assets0.6829%3,979
Return on assets (ROA)0.6829%4,092
Pretax return on assets0.9838%3,676
Return on Equity (ROE)6.7045%3,777
Retained earnings to average equity (ytd only)5.5040%2,573
Net charge-offs to loans0.1402%1,721
Credit loss provision to net charge-offs163.4241%1,576
Earnings coverage of net charge-offs (x)11.4319%2,488
Efficiency ratio72.4674%2,794
Assets per employee ($millions)4.1306%3,654
Cash dividends to net income (ytd only)*17.9060%3,304
Condition Ratios (%)
Loss allowance to loans1.9086%1,057
Loan loss allowance to noncurrent loans81.2600%4,134
Noncurrent assets plus other real estate owned to assets2.2875%805
Noncurrent loans to loans2.3487%893
Net loans and leases to total assets67.6353%2,745
Net loans and leases to deposits77.6451%3,133
Net loans and leases to core deposits79.2025%3,489
Total domestic deposits to total assets87.1083%1,977
Equity capital to assets10.2566%3,865
Core capital (leverage) ratio9.5450%4,245
Tier 1 risk-based capital ratio11.8723%5,151
Total risk-based capital ratio13.1351%5,069
Memoranda:
Average total assets$341,260,5001,927
Average earning assets$295,826,0002,054
Average equity$34,762,0002,068
Average total loans$244,425,2501,771
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3050%2,150
Cost of funding earning assets0.3868%3,407
Net interest margin3.9182%1,918
Noninterest income to average assets0.6571%2,436
Noninterest expense to average assets3.0051%2,539
Loan and lease loss provision to assets0.1238%1,783
Net operating income to assets0.6459%4,141
Return on assets (ROA)0.6459%4,249
Pretax return on assets0.9135%3,905
Return on Equity (ROE)6.3560%3,960
Retained earnings to average equity (ytd only)4.9178%2,907
Net charge-offs to loans-0.0032%4,656
Credit loss provision to net charge-offs-5,250.0000%5,593
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.3403%2,636
Assets per employee ($millions)4.2094%3,451
Cash dividends to net income (ytd only)*22.6277%3,100
Condition Ratios (%)
Loss allowance to loans1.8838%1,201
Loan loss allowance to noncurrent loans67.4456%4,551
Noncurrent assets plus other real estate owned to assets2.6552%682
Noncurrent loans to loans2.7930%749
Net loans and leases to total assets69.6838%2,366
Net loans and leases to deposits79.8088%2,816
Net loans and leases to core deposits81.4140%3,243
Total domestic deposits to total assets87.3135%2,003
Equity capital to assets10.1066%3,916
Core capital (leverage) ratio9.5890%4,148
Tier 1 risk-based capital ratio11.5911%5,408
Total risk-based capital ratio12.8544%5,319
Memoranda:
Average total assets$339,358,0001,957
Average earning assets$293,194,6702,087
Average equity$34,487,0002,096
Average total loans$246,154,0001,772
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3934%1,790
Cost of funding earning assets0.4189%3,088
Net interest margin3.9745%1,641
Noninterest income to average assets0.4530%3,617
Noninterest expense to average assets3.0447%2,439
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.5754%4,384
Return on assets (ROA)0.5754%4,487
Pretax return on assets0.8037%4,225
Return on Equity (ROE)5.6463%4,203
Retained earnings to average equity (ytd only)4.8297%3,159
Net charge-offs to loans-0.0032%4,407
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1165%2,015
Assets per employee ($millions)4.2072%3,553
Cash dividends to net income (ytd only)*14.4628%2,656
Condition Ratios (%)
Loss allowance to loans1.7753%1,552
Loan loss allowance to noncurrent loans83.0349%4,107
Noncurrent assets plus other real estate owned to assets2.3285%950
Noncurrent loans to loans2.1381%1,198
Net loans and leases to total assets72.4113%1,746
Net loans and leases to deposits83.0815%2,199
Net loans and leases to core deposits84.8804%2,669
Total domestic deposits to total assets87.1570%2,286
Equity capital to assets10.2611%3,819
Core capital (leverage) ratio9.5984%4,153
Tier 1 risk-based capital ratio11.4981%5,558
Total risk-based capital ratio12.7524%5,471
Memoranda:
Average total assets$336,452,5001,981
Average earning assets$287,430,0002,128
Average equity$34,288,0002,115
Average total loans$246,658,5001,764
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5375%1,735
Cost of funding earning assets0.4662%3,013
Net interest margin4.0713%1,678
Noninterest income to average assets0.5892%2,921
Noninterest expense to average assets3.1544%2,342
Loan and lease loss provision to assets0.2495%915
Net operating income to assets0.5141%4,758
Return on assets (ROA)0.5141%4,839
Pretax return on assets0.6846%4,678
Return on Equity (ROE)5.2200%4,549
Retained earnings to average equity (ytd only)4.5325%2,946
Net charge-offs to loans0.5371%757
Credit loss provision to net charge-offs63.8298%3,210
Earnings coverage of net charge-offs (x)2.3898%4,164
Efficiency ratio77.1539%2,337
Assets per employee ($millions)4.2574%3,438
Cash dividends to net income (ytd only)*13.1716%4,033
Condition Ratios (%)
Loss allowance to loans1.7957%1,549
Loan loss allowance to noncurrent loans84.9672%4,103
Noncurrent assets plus other real estate owned to assets2.3923%976
Noncurrent loans to loans2.1134%1,290
Net loans and leases to total assets71.5935%1,974
Net loans and leases to deposits81.9857%2,472
Net loans and leases to core deposits83.7584%2,920
Total domestic deposits to total assets87.3244%2,115
Equity capital to assets10.1210%3,962
Core capital (leverage) ratio9.1543%4,745
Tier 1 risk-based capital ratio11.4327%5,695
Total risk-based capital ratio12.6876%5,616
Memoranda:
Average total assets$336,702,4001,930
Average earning assets$289,391,2002,071
Average equity$33,160,8002,098
Average total loans$245,038,8001,719
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4470%2,056
Cost of funding earning assets0.4737%3,019
Net interest margin3.9733%1,955
Noninterest income to average assets0.5800%2,990
Noninterest expense to average assets3.2078%2,152
Loan and lease loss provision to assets0.2494%868
Net operating income to assets0.3986%5,252
Return on assets (ROA)0.3986%5,331
Pretax return on assets0.5427%5,201
Return on Equity (ROE)4.0759%5,140
Retained earnings to average equity (ytd only)3.1530%4,380
Net charge-offs to loans0.6977%499
Credit loss provision to net charge-offs49.1420%3,114
Earnings coverage of net charge-offs (x)1.5608%4,126
Efficiency ratio80.1960%1,881
Assets per employee ($millions)4.1589%3,548
Cash dividends to net income (ytd only)*22.6414%3,112
Condition Ratios (%)
Loss allowance to loans1.6836%2,023
Loan loss allowance to noncurrent loans68.3317%4,531
Noncurrent assets plus other real estate owned to assets2.6537%963
Noncurrent loans to loans2.4639%1,197
Net loans and leases to total assets72.3796%1,787
Net loans and leases to deposits82.5976%2,347
Net loans and leases to core deposits84.3469%2,842
Total domestic deposits to total assets87.6293%1,963
Equity capital to assets9.7759%4,450
Core capital (leverage) ratio8.8336%5,291
Tier 1 risk-based capital ratio10.8934%6,046
Total risk-based capital ratio12.1467%5,994
Memoranda:
Average total assets$336,795,0001,941
Average earning assets$289,896,5002,083
Average equity$32,941,0002,116
Average total loans$244,999,7501,730
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4566%1,971
Cost of funding earning assets0.4832%2,999
Net interest margin3.9733%1,894
Noninterest income to average assets0.5439%3,177
Noninterest expense to average assets3.2023%2,187
Loan and lease loss provision to assets0.2505%874
Net operating income to assets0.3781%5,299
Return on assets (ROA)0.3781%5,369
Pretax return on assets0.4890%5,306
Return on Equity (ROE)3.8649%5,199
Retained earnings to average equity (ytd only)2.9017%4,358
Net charge-offs to loans0.1490%2,195
Credit loss provision to net charge-offs232.0442%1,046
Earnings coverage of net charge-offs (x)6.8508%2,713
Efficiency ratio81.2405%1,848
Assets per employee ($millions)3.8263%4,205
Cash dividends to net income (ytd only)*24.9211%3,005
Condition Ratios (%)
Loss allowance to loans2.0925%1,190
Loan loss allowance to noncurrent loans61.4775%4,760
Noncurrent assets plus other real estate owned to assets3.4192%693
Noncurrent loans to loans3.4037%799
Net loans and leases to total assets71.1189%1,905
Net loans and leases to deposits81.1717%2,363
Net loans and leases to core deposits82.9134%2,865
Total domestic deposits to total assets87.6153%2,133
Equity capital to assets9.8228%4,321
Core capital (leverage) ratio9.0438%4,954
Tier 1 risk-based capital ratio11.0559%6,027
Total risk-based capital ratio12.3138%5,965
Memoranda:
Average total assets$335,383,0001,950
Average earning assets$286,811,0002,095
Average equity$32,808,3302,110
Average total loans$242,978,3301,737
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4479%1,967
Cost of funding earning assets0.4900%3,012
Net interest margin3.9578%1,898
Noninterest income to average assets0.5222%3,252
Noninterest expense to average assets3.2899%1,968
Loan and lease loss provision to assets0.2510%860
Net operating income to assets0.3215%5,423
Return on assets (ROA)0.3215%5,472
Pretax return on assets0.3693%5,544
Return on Equity (ROE)3.2930%5,348
Retained earnings to average equity (ytd only)2.1423%4,746
Net charge-offs to loans0.1024%2,149
Credit loss provision to net charge-offs338.7097%731
Earnings coverage of net charge-offs (x)8.3710%2,033
Efficiency ratio84.1381%1,656
Assets per employee ($millions)4.0525%3,818
Cash dividends to net income (ytd only)*34.9442%2,150
Condition Ratios (%)
Loss allowance to loans2.0529%1,409
Loan loss allowance to noncurrent loans63.2168%4,729
Noncurrent assets plus other real estate owned to assets3.0239%944
Noncurrent loans to loans3.2474%946
Net loans and leases to total assets71.3077%1,680
Net loans and leases to deposits81.2242%2,135
Net loans and leases to core deposits83.1771%2,621
Total domestic deposits to total assets87.7912%2,351
Equity capital to assets9.7415%4,177
Core capital (leverage) ratio9.0375%4,957
Tier 1 risk-based capital ratio10.9810%6,164
Total risk-based capital ratio12.2387%6,111
Memoranda:
Average total assets$334,717,0001,958
Average earning assets$286,520,0002,102
Average equity$32,675,0002,110
Average total loans$242,174,5001,743
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4041%2,573
Cost of funding earning assets0.5266%3,331
Net interest margin3.8774%2,382
Noninterest income to average assets0.6787%2,655
Noninterest expense to average assets3.2050%2,399
Loan and lease loss provision to assets0.3760%823
Net operating income to assets0.4315%5,031
Return on assets (ROA)0.4315%5,151
Pretax return on assets0.4534%5,350
Return on Equity (ROE)4.4865%4,900
Retained earnings to average equity (ytd only)3.7267%3,567
Net charge-offs to loans1.0204%562
Credit loss provision to net charge-offs50.2431%3,809
Earnings coverage of net charge-offs (x)1.1082%4,703
Efficiency ratio79.4423%2,251
Assets per employee ($millions)4.0130%3,838
Cash dividends to net income (ytd only)*16.9361%3,832
Condition Ratios (%)
Loss allowance to loans2.0374%1,469
Loan loss allowance to noncurrent loans51.7172%5,191
Noncurrent assets plus other real estate owned to assets3.5640%808
Noncurrent loans to loans3.9395%744
Net loans and leases to total assets70.4325%1,949
Net loans and leases to deposits80.3538%2,410
Net loans and leases to core deposits82.5089%2,835
Total domestic deposits to total assets87.6531%2,391
Equity capital to assets9.7827%4,061
Core capital (leverage) ratio8.8501%5,212
Tier 1 risk-based capital ratio11.1500%6,096
Total risk-based capital ratio12.4077%6,047
Memoranda:
Average total assets$329,763,8001,957
Average earning assets$285,395,4002,072
Average equity$31,717,2002,145
Average total loans$241,860,2001,711
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5392%2,082
Cost of funding earning assets0.5323%3,444
Net interest margin4.0069%1,921
Noninterest income to average assets0.5914%3,206
Noninterest expense to average assets3.2314%2,263
Loan and lease loss provision to assets0.6485%346
Net operating income to assets0.1820%5,959
Return on assets (ROA)0.1820%6,026
Pretax return on assets0.1929%6,049
Return on Equity (ROE)1.9004%5,975
Retained earnings to average equity (ytd only)1.5068%5,378
Net charge-offs to loans0.9398%614
Credit loss provision to net charge-offs93.6220%2,542
Earnings coverage of net charge-offs (x)1.2147%4,436
Efficiency ratio79.3392%2,214
Assets per employee ($millions)4.1914%3,444
Cash dividends to net income (ytd only)*20.7133%3,067
Condition Ratios (%)
Loss allowance to loans2.4641%971
Loan loss allowance to noncurrent loans68.1472%4,488
Noncurrent assets plus other real estate owned to assets3.2862%1,072
Noncurrent loans to loans3.6158%1,036
Net loans and leases to total assets70.8172%1,812
Net loans and leases to deposits80.4096%2,357
Net loans and leases to core deposits82.4643%2,830
Total domestic deposits to total assets88.0706%2,087
Equity capital to assets9.4705%4,589
Core capital (leverage) ratio8.6916%5,548
Tier 1 risk-based capital ratio10.9824%6,290
Total risk-based capital ratio12.2454%6,249
Memoranda:
Average total assets$328,935,0001,971
Average earning assets$285,800,0002,089
Average equity$31,500,5002,177
Average total loans$242,456,5001,708
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6999%1,573
Cost of funding earning assets0.5410%3,490
Net interest margin4.1589%1,382
Noninterest income to average assets0.6010%3,183
Noninterest expense to average assets3.2355%2,262
Loan and lease loss provision to assets0.8935%215
Net operating income to assets0.1004%6,133
Return on assets (ROA)0.1004%6,220
Pretax return on assets0.0991%6,230
Return on Equity (ROE)1.0441%6,202
Retained earnings to average equity (ytd only)0.7449%5,604
Net charge-offs to loans1.4241%381
Credit loss provision to net charge-offs84.6868%2,545
Earnings coverage of net charge-offs (x)0.9408%4,215
Efficiency ratio76.5234%2,707
Assets per employee ($millions)3.8455%4,121
Cash dividends to net income (ytd only)*28.6585%2,712
Condition Ratios (%)
Loss allowance to loans2.4583%1,031
Loan loss allowance to noncurrent loans88.1448%3,771
Noncurrent assets plus other real estate owned to assets2.6413%1,583
Noncurrent loans to loans2.7889%1,627
Net loans and leases to total assets71.7852%1,614
Net loans and leases to deposits81.8695%2,076
Net loans and leases to core deposits84.0491%2,559
Total domestic deposits to total assets87.6824%2,451
Equity capital to assets9.7658%4,220
Core capital (leverage) ratio8.9708%5,038
Tier 1 risk-based capital ratio11.2851%6,214
Total risk-based capital ratio12.5485%6,168
Memoranda:
Average total assets$326,808,6701,986
Average earning assets$285,027,6702,095
Average equity$31,415,3302,188
Average total loans$242,122,3301,708
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9201%1,028
Cost of funding earning assets0.5593%3,483
Net interest margin4.3608%861
Noninterest income to average assets0.5561%3,395
Noninterest expense to average assets3.3149%2,049
Loan and lease loss provision to assets1.5211%92
Net operating income to assets-0.2702%6,557
Return on assets (ROA)-0.2702%6,592
Pretax return on assets-0.4843%6,670
Return on Equity (ROE)-2.8325%6,602
Retained earnings to average equity (ytd only)-2.8325%6,170
Net charge-offs to loans1.4784%372
Credit loss provision to net charge-offs138.4275%1,447
Earnings coverage of net charge-offs (x)0.9435%3,521
Efficiency ratio76.1745%2,895
Assets per employee ($millions)3.8992%4,161
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.6596%963
Loan loss allowance to noncurrent loans81.7790%3,893
Noncurrent assets plus other real estate owned to assets3.1959%1,367
Noncurrent loans to loans3.2522%1,498
Net loans and leases to total assets72.9881%1,204
Net loans and leases to deposits83.0816%1,698
Net loans and leases to core deposits85.2906%2,183
Total domestic deposits to total assets87.8511%2,411
Equity capital to assets9.6525%4,638
Core capital (leverage) ratio8.7501%5,259
Tier 1 risk-based capital ratio10.9905%6,411
Total risk-based capital ratio12.2562%6,378
Memoranda:
Average total assets$328,700,5002,003
Average earning assets$286,093,0002,118
Average equity$31,350,0002,219
Average total loans$244,319,5001,701
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6528%2,783
Cost of funding earning assets0.6443%3,967
Net interest margin4.0085%2,363
Noninterest income to average assets0.5802%3,388
Noninterest expense to average assets3.1235%2,859
Loan and lease loss provision to assets0.1366%3,917
Net operating income to assets0.5817%4,322
Return on assets (ROA)0.5817%4,585
Pretax return on assets0.7994%4,300
Return on Equity (ROE)6.4451%3,940
Retained earnings to average equity (ytd only)6.4451%1,850
Net charge-offs to loans0.4260%2,532
Credit loss provision to net charge-offs41.6968%4,902
Earnings coverage of net charge-offs (x)2.8565%4,007
Efficiency ratio76.9433%2,601
Assets per employee ($millions)3.6678%4,632
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.4828%1,146
Loan loss allowance to noncurrent loans48.2424%5,222
Noncurrent assets plus other real estate owned to assets4.7983%828
Noncurrent loans to loans5.1466%755
Net loans and leases to total assets71.8656%1,511
Net loans and leases to deposits81.5772%2,060
Net loans and leases to core deposits84.0118%2,551
Total domestic deposits to total assets88.0953%2,174
Equity capital to assets9.4261%4,967
Core capital (leverage) ratio8.3885%5,770
Tier 1 risk-based capital ratio10.9061%6,385
Total risk-based capital ratio12.1699%6,344
Memoranda:
Average total assets$338,149,2001,916
Average earning assets$293,499,4002,012
Average equity$30,519,2002,218
Average total loans$260,066,6001,592
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7032%2,798
Cost of funding earning assets0.6585%4,116
Net interest margin4.0447%2,316
Noninterest income to average assets0.5880%3,361
Noninterest expense to average assets3.1041%2,877
Loan and lease loss provision to assets0.1415%3,764
Net operating income to assets0.6284%4,251
Return on assets (ROA)0.6284%4,506
Pretax return on assets0.8548%4,281
Return on Equity (ROE)7.0399%3,785
Retained earnings to average equity (ytd only)7.0399%2,102
Net charge-offs to loans0.1533%3,891
Credit loss provision to net charge-offs118.8119%2,442
Earnings coverage of net charge-offs (x)8.3663%2,457
Efficiency ratio75.7021%2,720
Assets per employee ($millions)3.8781%4,135
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.7250%959
Loan loss allowance to noncurrent loans51.4236%5,056
Noncurrent assets plus other real estate owned to assets5.1539%852
Noncurrent loans to loans5.2991%825
Net loans and leases to total assets71.2215%1,690
Net loans and leases to deposits80.6475%2,299
Net loans and leases to core deposits82.9195%2,840
Total domestic deposits to total assets88.3121%1,840
Equity capital to assets9.1152%5,693
Core capital (leverage) ratio8.0716%6,263
Tier 1 risk-based capital ratio10.4366%6,689
Total risk-based capital ratio11.7035%6,663
Memoranda:
Average total assets$339,245,0001,922
Average earning assets$294,603,2502,028
Average equity$30,283,7502,249
Average total loans$263,590,7501,584
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8279%2,395
Cost of funding earning assets0.6717%4,261
Net interest margin4.1562%1,882
Noninterest income to average assets0.5712%3,440
Noninterest expense to average assets3.1054%2,914
Loan and lease loss provision to assets0.2127%2,949
Net operating income to assets0.6226%4,265
Return on assets (ROA)0.6226%4,513
Pretax return on assets0.8536%4,265
Return on Equity (ROE)7.0246%3,760
Retained earnings to average equity (ytd only)7.0246%2,083
Net charge-offs to loans0.0843%4,304
Credit loss provision to net charge-offs318.5841%927
Earnings coverage of net charge-offs (x)15.9735%1,619
Efficiency ratio74.4407%3,004
Assets per employee ($millions)3.7785%4,371
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.6679%1,077
Loan loss allowance to noncurrent loans53.0629%4,952
Noncurrent assets plus other real estate owned to assets5.2637%878
Noncurrent loans to loans5.0278%973
Net loans and leases to total assets75.0850%1,091
Net loans and leases to deposits84.8734%1,736
Net loans and leases to core deposits87.2364%2,289
Total domestic deposits to total assets88.4670%1,841
Equity capital to assets8.9873%5,715
Core capital (leverage) ratio8.1212%6,138
Tier 1 risk-based capital ratio9.8758%6,855
Total risk-based capital ratio11.1425%6,838
Memoranda:
Average total assets$338,568,0001,920
Average earning assets$293,293,6702,025
Average equity$30,009,0002,254
Average total loans$268,164,0001,552
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9708%1,992
Cost of funding earning assets0.6822%4,437
Net interest margin4.2885%1,508
Noninterest income to average assets0.5459%3,592
Noninterest expense to average assets3.1626%2,726
Loan and lease loss provision to assets0.2131%2,821
Net operating income to assets0.5411%4,647
Return on assets (ROA)0.5411%4,858
Pretax return on assets0.8916%4,060
Return on Equity (ROE)6.1483%4,215
Retained earnings to average equity (ytd only)6.1483%2,873
Net charge-offs to loans-0.0989%6,777
Credit loss provision to net charge-offs-268.6567%5,655
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.1121%3,087
Assets per employee ($millions)3.7227%4,600
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.5978%1,228
Loan loss allowance to noncurrent loans50.5854%5,036
Noncurrent assets plus other real estate owned to assets5.3960%926
Noncurrent loans to loans5.1355%1,076
Net loans and leases to total assets76.6208%736
Net loans and leases to deposits89.2685%1,036
Net loans and leases to core deposits91.8966%1,660
Total domestic deposits to total assets85.8318%3,626
Equity capital to assets8.7468%5,813
Core capital (leverage) ratio8.0573%6,204
Tier 1 risk-based capital ratio9.3125%6,992
Total risk-based capital ratio10.5779%6,990
Memoranda:
Average total assets$337,818,0001,936
Average earning assets$293,154,5002,034
Average equity$29,732,0002,280
Average total loans$271,076,5001,547
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0404%2,710
Cost of funding earning assets0.7873%4,957
Net interest margin4.2531%1,865
Noninterest income to average assets0.5218%3,706
Noninterest expense to average assets3.4804%2,031
Loan and lease loss provision to assets2.6405%155
Net operating income to assets-1.7316%6,968
Return on assets (ROA)-1.7316%6,985
Pretax return on assets-1.8831%6,999
Return on Equity (ROE)-18.2561%6,958
Retained earnings to average equity (ytd only)-18.2561%6,943
Net charge-offs to loans2.7819%379
Credit loss provision to net charge-offs116.5558%2,775
Earnings coverage of net charge-offs (x)0.3343%5,572
Efficiency ratio82.1283%2,001
Assets per employee ($millions)3.5822%4,826
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.4757%1,348
Loan loss allowance to noncurrent loans52.5734%4,883
Noncurrent assets plus other real estate owned to assets5.2164%1,004
Noncurrent loans to loans4.7090%1,245
Net loans and leases to total assets79.8399%514
Net loans and leases to deposits90.1793%1,137
Net loans and leases to core deposits92.6534%1,824
Total domestic deposits to total assets88.5347%1,834
Equity capital to assets8.8571%5,724
Core capital (leverage) ratio7.6014%6,603
Tier 1 risk-based capital ratio9.1514%7,013
Total risk-based capital ratio10.4158%7,012
Memoranda:
Average total assets$358,347,0001,809
Average earning assets$313,088,8001,884
Average equity$33,988,6001,968
Average total loans$291,819,0001,461
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0414%2,883
Cost of funding earning assets0.8074%5,097
Net interest margin4.2340%1,972
Noninterest income to average assets0.5433%3,563
Noninterest expense to average assets3.3675%2,286
Loan and lease loss provision to assets1.3119%569
Net operating income to assets-0.2311%6,418
Return on assets (ROA)-0.2311%6,495
Pretax return on assets-0.4278%6,581
Return on Equity (ROE)-2.4001%6,517
Retained earnings to average equity (ytd only)-2.4001%6,350
Net charge-offs to loans1.2416%1,249
Credit loss provision to net charge-offs129.9059%2,446
Earnings coverage of net charge-offs (x)0.8755%4,961
Efficiency ratio79.2054%2,375
Assets per employee ($millions)3.7161%4,502
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.1686%1,923
Loan loss allowance to noncurrent loans48.6120%5,107
Noncurrent assets plus other real estate owned to assets5.1091%1,121
Noncurrent loans to loans4.4611%1,446
Net loans and leases to total assets80.5080%469
Net loans and leases to deposits91.9966%1,011
Net loans and leases to core deposits94.4625%1,747
Total domestic deposits to total assets87.5119%2,341
Equity capital to assets10.0442%4,278
Core capital (leverage) ratio8.6711%5,456
Tier 1 risk-based capital ratio10.4877%6,783
Total risk-based capital ratio11.7484%6,767
Memoranda:
Average total assets$364,647,7501,786
Average earning assets$319,375,0001,856
Average equity$35,109,0001,925
Average total loans$296,590,2501,449
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9905%3,200
Cost of funding earning assets0.8174%5,259
Net interest margin4.1731%2,148
Noninterest income to average assets0.5128%3,763
Noninterest expense to average assets3.2762%2,646
Loan and lease loss provision to assets1.6281%423
Net operating income to assets-0.4208%6,627
Return on assets (ROA)-0.4208%6,656
Pretax return on assets-0.7270%6,787
Return on Equity (ROE)-4.4309%6,675
Retained earnings to average equity (ytd only)-4.4309%6,517
Net charge-offs to loans1.4938%995
Credit loss provision to net charge-offs134.4951%2,273
Earnings coverage of net charge-offs (x)0.7444%4,740
Efficiency ratio78.4281%2,643
Assets per employee ($millions)3.7924%4,216
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.1007%2,123
Loan loss allowance to noncurrent loans42.7445%5,471
Noncurrent assets plus other real estate owned to assets5.2308%1,161
Noncurrent loans to loans4.9146%1,340
Net loans and leases to total assets79.1072%635
Net loans and leases to deposits89.9078%1,279
Net loans and leases to core deposits92.8779%2,031
Total domestic deposits to total assets87.9870%2,144
Equity capital to assets9.5871%4,677
Core capital (leverage) ratio8.5700%5,443
Tier 1 risk-based capital ratio10.2073%6,912
Total risk-based capital ratio11.4669%6,894
Memoranda:
Average total assets$369,758,0001,770
Average earning assets$324,695,6701,834
Average equity$35,116,6701,906
Average total loans$299,633,0001,451
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0264%2,977
Cost of funding earning assets0.8286%5,405
Net interest margin4.1978%1,896
Noninterest income to average assets0.5003%3,885
Noninterest expense to average assets3.1057%3,223
Loan and lease loss provision to assets2.0988%255
Net operating income to assets-0.6023%6,867
Return on assets (ROA)-0.6023%6,871
Pretax return on assets-1.0166%7,005
Return on Equity (ROE)-6.3708%6,886
Retained earnings to average equity (ytd only)-6.3708%6,625
Net charge-offs to loans0.9499%1,408
Credit loss provision to net charge-offs272.2841%1,157
Earnings coverage of net charge-offs (x)1.4039%3,649
Efficiency ratio74.1605%3,485
Assets per employee ($millions)3.7758%4,356
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.2331%1,884
Loan loss allowance to noncurrent loans43.9717%5,366
Noncurrent assets plus other real estate owned to assets5.3998%1,137
Noncurrent loans to loans5.0784%1,322
Net loans and leases to total assets79.4339%574
Net loans and leases to deposits90.0191%1,224
Net loans and leases to core deposits93.1760%1,991
Total domestic deposits to total assets88.2412%2,233
Equity capital to assets9.5371%4,385
Core capital (leverage) ratio8.4823%5,489
Tier 1 risk-based capital ratio10.1746%6,937
Total risk-based capital ratio11.4348%6,934
Memoranda:
Average total assets$372,601,0001,773
Average earning assets$327,315,0001,831
Average equity$35,223,0001,886
Average total loans$302,356,0001,450
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2281%3,474
Cost of funding earning assets1.0475%5,444
Net interest margin4.1806%2,261
Noninterest income to average assets0.4512%4,503
Noninterest expense to average assets3.2188%3,017
Loan and lease loss provision to assets0.7599%2,157
Net operating income to assets0.1769%5,352
Return on assets (ROA)0.1973%5,441
Pretax return on assets0.2158%5,453
Return on Equity (ROE)2.2301%5,291
Retained earnings to average equity (ytd only)1.4304%4,816
Net charge-offs to loans1.0870%2,048
Credit loss provision to net charge-offs85.1004%5,341
Earnings coverage of net charge-offs (x)1.0675%5,042
Efficiency ratio77.1514%2,848
Assets per employee ($millions)3.8668%4,092
Cash dividends to net income (ytd only)*35.8586%2,773
Condition Ratios (%)
Loss allowance to loans1.7611%2,988
Loan loss allowance to noncurrent loans46.9939%5,184
Noncurrent assets plus other real estate owned to assets4.1697%1,608
Noncurrent loans to loans3.7475%1,978
Net loans and leases to total assets79.6225%712
Net loans and leases to deposits89.9899%1,523
Net loans and leases to core deposits92.7928%2,411
Total domestic deposits to total assets88.4794%1,957
Equity capital to assets9.3723%4,583
Core capital (leverage) ratio8.3222%5,655
Tier 1 risk-based capital ratio10.1226%6,920
Total risk-based capital ratio11.3783%6,898
Memoranda:
Average total assets$401,359,0001,648
Average earning assets$357,221,8001,677
Average equity$35,514,0001,863
Average total loans$329,720,6001,358
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1899%3,879
Cost of funding earning assets1.0932%5,459
Net interest margin4.0967%2,639
Noninterest income to average assets0.4400%4,638
Noninterest expense to average assets3.0007%3,742
Loan and lease loss provision to assets0.4423%3,262
Net operating income to assets0.4969%4,330
Return on assets (ROA)0.5193%4,401
Pretax return on assets0.6828%4,290
Return on Equity (ROE)5.9506%3,837
Retained earnings to average equity (ytd only)4.8844%3,067
Net charge-offs to loans0.1543%5,076
Credit loss provision to net charge-offs347.9381%908
Earnings coverage of net charge-offs (x)8.6186%2,137
Efficiency ratio73.2544%3,473
Assets per employee ($millions)4.1511%3,543
Cash dividends to net income (ytd only)*17.9181%3,047
Condition Ratios (%)
Loss allowance to loans2.1356%1,914
Loan loss allowance to noncurrent loans38.4324%5,751
Noncurrent assets plus other real estate owned to assets4.8520%1,348
Noncurrent loans to loans5.5567%1,187
Net loans and leases to total assets76.9850%1,224
Net loans and leases to deposits91.7221%1,484
Net loans and leases to core deposits94.9246%2,397
Total domestic deposits to total assets83.9328%4,164
Equity capital to assets8.8256%5,814
Core capital (leverage) ratio8.4716%5,559
Tier 1 risk-based capital ratio9.7704%7,166
Total risk-based capital ratio11.0302%7,151
Memoranda:
Average total assets$406,961,7501,650
Average earning assets$363,207,7501,681
Average equity$35,513,5001,884
Average total loans$335,366,5001,346
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2916%3,506
Cost of funding earning assets1.2213%5,008
Net interest margin4.0703%2,698
Noninterest income to average assets0.3935%4,956
Noninterest expense to average assets3.0915%3,360
Loan and lease loss provision to assets0.5917%2,418
Net operating income to assets0.3034%5,169
Return on assets (ROA)0.3313%5,214
Pretax return on assets0.3698%5,308
Return on Equity (ROE)3.8115%4,875
Retained earnings to average equity (ytd only)3.4088%3,945
Net charge-offs to loans0.2222%4,271
Credit loss provision to net charge-offs318.3024%1,150
Earnings coverage of net charge-offs (x)5.0053%2,783
Efficiency ratio76.8665%2,920
Assets per employee ($millions)4.0823%3,606
Cash dividends to net income (ytd only)*10.5655%3,152
Condition Ratios (%)
Loss allowance to loans2.0143%2,139
Loan loss allowance to noncurrent loans54.8966%4,649
Noncurrent assets plus other real estate owned to assets3.5890%1,956
Noncurrent loans to loans3.6693%2,138
Net loans and leases to total assets82.2700%509
Net loans and leases to deposits95.0820%1,140
Net loans and leases to core deposits100.0742%2,008
Total domestic deposits to total assets86.5253%2,804
Equity capital to assets8.8939%5,614
Core capital (leverage) ratio8.1859%5,964
Tier 1 risk-based capital ratio9.3663%7,314
Total risk-based capital ratio10.6256%7,312
Memoranda:
Average total assets$405,628,3301,673
Average earning assets$361,593,3301,698
Average equity$35,261,3301,893
Average total loans$339,394,3301,345
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3217%3,437
Cost of funding earning assets1.3852%4,270
Net interest margin3.9365%3,165
Noninterest income to average assets0.4731%4,264
Noninterest expense to average assets3.1086%3,227
Loan and lease loss provision to assets0.5876%2,154
Net operating income to assets0.2488%5,497
Return on assets (ROA)0.2488%5,620
Pretax return on assets0.2615%5,710
Return on Equity (ROE)2.8945%5,383
Retained earnings to average equity (ytd only)2.3589%4,726
Net charge-offs to loans0.3037%3,204
Credit loss provision to net charge-offs231.6602%1,646
Earnings coverage of net charge-offs (x)3.3475%2,935
Efficiency ratio78.5449%2,806
Assets per employee ($millions)4.0243%3,816
Cash dividends to net income (ytd only)*18.5039%2,259
Condition Ratios (%)
Loss allowance to loans1.8484%2,581
Loan loss allowance to noncurrent loans42.9930%5,484
Noncurrent assets plus other real estate owned to assets4.6837%1,416
Noncurrent loans to loans4.2994%1,770
Net loans and leases to total assets83.7401%394
Net loans and leases to deposits96.7542%1,017
Net loans and leases to core deposits102.4232%1,859
Total domestic deposits to total assets86.5493%2,871
Equity capital to assets8.8383%5,484
Core capital (leverage) ratio7.8245%6,465
Tier 1 risk-based capital ratio8.9707%7,482
Total risk-based capital ratio10.2272%7,497
Memoranda:
Average total assets$408,412,0001,704
Average earning assets$361,537,5001,735
Average equity$35,101,5001,920
Average total loans$341,143,5001,378
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6220%3,489
Cost of funding earning assets1.8593%3,681
Net interest margin3.7627%3,863
Noninterest income to average assets0.5137%4,303
Noninterest expense to average assets2.7679%5,096
Loan and lease loss provision to assets1.5719%1,462
Net operating income to assets-0.2056%5,845
Return on assets (ROA)-0.2056%5,838
Pretax return on assets-0.4531%5,967
Return on Equity (ROE)-2.3834%5,909
Retained earnings to average equity (ytd only)-3.4436%5,778
Net charge-offs to loans0.9708%2,464
Credit loss provision to net charge-offs193.0943%2,057
Earnings coverage of net charge-offs (x)1.3743%4,761
Efficiency ratio71.2148%4,407
Assets per employee ($millions)4.1842%3,469
Cash dividends to net income (ytd only)*-44.4836%7,802
Condition Ratios (%)
Loss allowance to loans1.7355%2,765
Loan loss allowance to noncurrent loans38.7581%5,833
Noncurrent assets plus other real estate owned to assets4.6408%1,378
Noncurrent loans to loans4.4778%1,588
Net loans and leases to total assets80.4068%924
Net loans and leases to deposits94.9754%1,464
Net loans and leases to core deposits126.4168%1,483
Total domestic deposits to total assets84.6606%3,726
Equity capital to assets8.3626%6,109
Core capital (leverage) ratio7.3900%6,902
Tier 1 risk-based capital ratio8.5628%7,575
Total risk-based capital ratio9.8175%7,605
Memoranda:
Average total assets$414,472,8001,666
Average earning assets$371,538,2001,695
Average equity$35,747,2001,885
Average total loans$347,562,8001,391
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6728%3,462
Cost of funding earning assets1.9443%3,643
Net interest margin3.7285%3,954
Noninterest income to average assets0.5111%4,399
Noninterest expense to average assets2.8631%4,598
Loan and lease loss provision to assets0.6288%2,876
Net operating income to assets0.3386%4,642
Return on assets (ROA)0.3386%4,742
Pretax return on assets0.3844%4,839
Return on Equity (ROE)3.8957%4,419
Retained earnings to average equity (ytd only)2.6676%3,836
Net charge-offs to loans0.3669%3,815
Credit loss provision to net charge-offs203.1250%2,192
Earnings coverage of net charge-offs (x)3.2729%3,601
Efficiency ratio73.8624%3,881
Assets per employee ($millions)4.3690%3,088
Cash dividends to net income (ytd only)*31.5235%2,822
Condition Ratios (%)
Loss allowance to loans1.0725%5,884
Loan loss allowance to noncurrent loans38.9780%5,759
Noncurrent assets plus other real estate owned to assets3.1285%2,185
Noncurrent loans to loans2.7515%2,758
Net loans and leases to total assets81.6710%869
Net loans and leases to deposits96.7129%1,486
Net loans and leases to core deposits129.4982%1,463
Total domestic deposits to total assets84.4468%3,507
Equity capital to assets8.6313%6,069
Core capital (leverage) ratio8.4300%5,619
Tier 1 risk-based capital ratio9.0732%7,591
Total risk-based capital ratio10.0901%7,697
Memoranda:
Average total assets$413,486,0001,686
Average earning assets$373,185,2501,698
Average equity$35,936,2501,893
Average total loans$348,858,5001,402
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7969%3,058
Cost of funding earning assets2.1418%3,078
Net interest margin3.6551%4,141
Noninterest income to average assets0.5154%4,308
Noninterest expense to average assets2.9320%4,372
Loan and lease loss provision to assets0.4650%3,199
Net operating income to assets0.3519%4,673
Return on assets (ROA)0.3519%4,787
Pretax return on assets0.4038%4,925
Return on Equity (ROE)4.0397%4,483
Retained earnings to average equity (ytd only)2.4441%3,977
Net charge-offs to loans0.4958%2,846
Credit loss provision to net charge-offs110.3368%4,197
Earnings coverage of net charge-offs (x)2.0616%4,052
Efficiency ratio77.1410%3,487
Assets per employee ($millions)4.1476%3,402
Cash dividends to net income (ytd only)*39.4993%2,451
Condition Ratios (%)
Loss allowance to loans0.8258%7,064
Loan loss allowance to noncurrent loans95.2538%3,022
Noncurrent assets plus other real estate owned to assets1.5669%3,878
Noncurrent loans to loans0.8670%5,481
Net loans and leases to total assets84.5225%553
Net loans and leases to deposits100.5945%1,226
Net loans and leases to core deposits129.4476%1,618
Total domestic deposits to total assets84.0230%3,754
Equity capital to assets8.9255%5,415
Core capital (leverage) ratio7.9920%6,347
Tier 1 risk-based capital ratio9.5923%7,318
Total risk-based capital ratio10.4231%7,612
Memoranda:
Average total assets$408,594,0001,719
Average earning assets$367,263,0001,750
Average equity$35,596,3301,911
Average total loans$347,319,6701,435
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7643%3,461
Cost of funding earning assets2.1234%3,545
Net interest margin3.6409%4,136
Noninterest income to average assets0.5152%4,180
Noninterest expense to average assets2.7548%4,760
Loan and lease loss provision to assets0.2208%4,244
Net operating income to assets0.6242%3,919
Return on assets (ROA)0.6242%4,098
Pretax return on assets0.8361%3,948
Return on Equity (ROE)7.2541%3,482
Retained earnings to average equity (ytd only)5.6344%2,803
Net charge-offs to loans-0.0474%7,681
Credit loss provision to net charge-offs-548.7805%6,417
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2709%4,142
Assets per employee ($millions)4.1755%3,306
Cash dividends to net income (ytd only)*22.3270%2,513
Condition Ratios (%)
Loss allowance to loans0.8691%6,879
Loan loss allowance to noncurrent loans43.9021%5,599
Noncurrent assets plus other real estate owned to assets1.7516%3,295
Noncurrent loans to loans1.9796%3,290
Net loans and leases to total assets82.1404%993
Net loans and leases to deposits104.2159%997
Net loans and leases to core deposits136.2274%1,293
Total domestic deposits to total assets78.8176%5,787
Equity capital to assets8.6260%5,877
Core capital (leverage) ratio8.4998%5,538
Tier 1 risk-based capital ratio9.5422%7,394
Total risk-based capital ratio10.4166%7,694
Memoranda:
Average total assets$407,586,0001,732
Average earning assets$369,030,0001,753
Average equity$35,070,0001,942
Average total loans$346,005,5001,456
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5203%2,861
Cost of funding earning assets2.2853%5,225
Net interest margin4.2350%2,180
Noninterest income to average assets0.5857%3,969
Noninterest expense to average assets4.7469%738
Loan and lease loss provision to assets0.4482%3,048
Net operating income to assets-0.4165%6,843
Return on assets (ROA)-0.4174%6,718
Pretax return on assets-0.7862%6,873
Return on Equity (ROE)-4.0876%6,754
Retained earnings to average equity (ytd only)-14.9519%7,452
Net charge-offs to loans0.2614%3,668
Credit loss provision to net charge-offs203.2051%2,391
Earnings coverage of net charge-offs (x)-1.5256%6,666
Efficiency ratio107.6307%767
Assets per employee ($millions)3.9320%3,650
Cash dividends to net income (ytd only)*-265.7859%8,227
Condition Ratios (%)
Loss allowance to loans0.8260%7,004
Loan loss allowance to noncurrent loans38.6132%6,145
Noncurrent assets plus other real estate owned to assets1.9673%2,501
Noncurrent loans to loans2.1391%2,581
Net loans and leases to total assets86.3938%554
Net loans and leases to deposits111.0357%764
Net loans and leases to core deposits141.2942%1,197
Total domestic deposits to total assets77.8073%5,773
Equity capital to assets8.5806%5,964
Core capital (leverage) ratio8.3461%5,860
Tier 1 risk-based capital ratio9.1038%7,715
Total risk-based capital ratio9.9488%8,020
Memoranda:
Average total assets$353,599,4001,891
Average earning assets$319,339,0001,908
Average equity$36,109,2001,867
Average total loans$298,430,0001,618