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CUSB Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9724%1,428
Cost of funding earning assets0.2508%2,922
Net interest margin3.7216%1,165
Noninterest income to average assets0.6149%2,096
Noninterest expense to average assets2.0248%3,601
Loan and lease loss provision to assets0.1451%823
Net operating income to assets1.8810%425
Return on assets (ROA)1.8888%445
Pretax return on assets1.9733%638
Return on Equity (ROE)12.6425%1,590
Retained earnings to average equity (ytd only)6.9064%1,955
Net charge-offs to loans0.1930%506
Credit loss provision to net charge-offs104.7120%1,752
Earnings coverage of net charge-offs (x)15.2291%2,006
Efficiency ratio48.9671%4,353
Assets per employee ($millions)6.6977%2,160
Cash dividends to net income (ytd only)*45.3716%1,755
Condition Ratios (%)
Loss allowance to loans2.0663%556
Loan loss allowance to noncurrent loans321.3102%1,974
Noncurrent assets plus other real estate owned to assets0.4558%1,449
Noncurrent loans to loans0.6431%1,551
Net loans and leases to total assets69.4132%1,109
Net loans and leases to deposits81.6368%1,093
Net loans and leases to core deposits89.7606%984
Total domestic deposits to total assets85.0269%3,259
Equity capital to assets14.4603%586
Core capital (leverage) ratio13.8771%633
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$551,351,2001,573
Average earning assets$521,519,8001,543
Average equity$82,373,2001,170
Average total loans$395,854,0001,389
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1446%1,203
Cost of funding earning assets0.2617%2,998
Net interest margin3.8829%972
Noninterest income to average assets0.6280%2,107
Noninterest expense to average assets2.0417%3,553
Loan and lease loss provision to assets0.1963%528
Net operating income to assets1.9765%481
Return on assets (ROA)1.9841%504
Pretax return on assets2.0704%709
Return on Equity (ROE)13.1667%1,646
Retained earnings to average equity (ytd only)8.6899%1,807
Net charge-offs to loans0.0187%1,682
Credit loss provision to net charge-offs1,454.5455%411
Earnings coverage of net charge-offs (x)167.4182%628
Efficiency ratio47.4759%4,406
Assets per employee ($millions)6.4673%2,279
Cash dividends to net income (ytd only)*34.0010%1,900
Condition Ratios (%)
Loss allowance to loans2.3642%354
Loan loss allowance to noncurrent loans313.6071%1,926
Noncurrent assets plus other real estate owned to assets0.5299%1,442
Noncurrent loans to loans0.7539%1,490
Net loans and leases to total assets68.6241%1,245
Net loans and leases to deposits81.2727%1,168
Net loans and leases to core deposits89.7344%1,049
Total domestic deposits to total assets84.4368%3,323
Equity capital to assets15.1175%523
Core capital (leverage) ratio14.3718%579
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$543,514,0001,598
Average earning assets$514,068,5001,574
Average equity$81,901,5001,200
Average total loans$391,566,2501,433
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1275%1,296
Cost of funding earning assets0.2751%3,039
Net interest margin3.8524%1,061
Noninterest income to average assets0.6497%2,007
Noninterest expense to average assets2.0108%3,665
Loan and lease loss provision to assets0.2225%472
Net operating income to assets1.9851%496
Return on assets (ROA)1.9926%518
Pretax return on assets2.0694%722
Return on Equity (ROE)13.2381%1,638
Retained earnings to average equity (ytd only)10.1583%1,352
Net charge-offs to loans0.0179%1,586
Credit loss provision to net charge-offs1,714.2857%321
Earnings coverage of net charge-offs (x)175.9714%535
Efficiency ratio46.8181%4,476
Assets per employee ($millions)6.4407%2,211
Cash dividends to net income (ytd only)*23.2645%2,371
Condition Ratios (%)
Loss allowance to loans2.3006%357
Loan loss allowance to noncurrent loans300.2982%1,892
Noncurrent assets plus other real estate owned to assets0.5513%1,512
Noncurrent loans to loans0.7661%1,574
Net loans and leases to total assets70.3041%1,159
Net loans and leases to deposits83.4399%1,099
Net loans and leases to core deposits92.2715%990
Total domestic deposits to total assets84.2572%3,354
Equity capital to assets15.1665%505
Core capital (leverage) ratio14.0793%611
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$539,290,3331,600
Average earning assets$510,285,6671,576
Average equity$81,175,0001,202
Average total loans$391,782,0001,437
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8344%1,997
Cost of funding earning assets0.2850%3,145
Net interest margin3.5493%1,699
Noninterest income to average assets0.6562%2,004
Noninterest expense to average assets1.9873%3,758
Loan and lease loss provision to assets0.2242%511
Net operating income to assets1.7255%902
Return on assets (ROA)1.7399%930
Pretax return on assets1.8101%1,273
Return on Equity (ROE)11.6041%2,156
Retained earnings to average equity (ytd only)11.6041%1,248
Net charge-offs to loans0.0143%1,459
Credit loss provision to net charge-offs2,142.8571%237
Earnings coverage of net charge-offs (x)193.0000%409
Efficiency ratio49.5990%4,222
Assets per employee ($millions)6.5459%2,141
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans2.2116%417
Loan loss allowance to noncurrent loans532.9490%1,116
Noncurrent assets plus other real estate owned to assets0.3033%2,621
Noncurrent loans to loans0.4150%2,612
Net loans and leases to total assets71.4784%1,097
Net loans and leases to deposits84.6359%1,081
Net loans and leases to core deposits94.5627%945
Total domestic deposits to total assets84.4540%3,298
Equity capital to assets14.8585%517
Core capital (leverage) ratio14.4723%567
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$535,207,5001,598
Average earning assets$505,222,5001,575
Average equity$80,247,5001,205
Average total loans$390,699,5001,447
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3875%1,624
Cost of funding earning assets0.5026%2,931
Net interest margin3.8849%1,256
Noninterest income to average assets0.7237%1,773
Noninterest expense to average assets2.2236%3,613
Loan and lease loss provision to assets0.3089%1,210
Net operating income to assets1.7787%408
Return on assets (ROA)1.7780%440
Pretax return on assets1.8563%602
Return on Equity (ROE)12.1149%1,294
Retained earnings to average equity (ytd only)8.1802%1,004
Net charge-offs to loans0.1672%993
Credit loss provision to net charge-offs247.6852%1,949
Earnings coverage of net charge-offs (x)17.3657%2,078
Efficiency ratio50.3837%4,505
Assets per employee ($millions)6.4281%1,970
Cash dividends to net income (ytd only)*32.4781%2,736
Condition Ratios (%)
Loss allowance to loans2.2112%398
Loan loss allowance to noncurrent loans486.0984%1,162
Noncurrent assets plus other real estate owned to assets0.3415%2,626
Noncurrent loans to loans0.4549%2,603
Net loans and leases to total assets71.2893%1,390
Net loans and leases to deposits84.6271%1,397
Net loans and leases to core deposits99.1684%947
Total domestic deposits to total assets84.2394%3,037
Equity capital to assets15.1331%555
Core capital (leverage) ratio13.9424%698
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$519,524,0001,490
Average earning assets$490,231,4001,475
Average equity$76,245,2001,205
Average total loans$387,444,8001,405
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4723%1,643
Cost of funding earning assets0.5631%2,850
Net interest margin3.9092%1,332
Noninterest income to average assets0.6602%1,944
Noninterest expense to average assets2.1425%3,842
Loan and lease loss provision to assets0.2627%1,546
Net operating income to assets1.8650%396
Return on assets (ROA)1.8618%444
Pretax return on assets1.9445%577
Return on Equity (ROE)12.7873%1,172
Retained earnings to average equity (ytd only)10.1336%731
Net charge-offs to loans0.0288%2,256
Credit loss provision to net charge-offs1,214.2857%729
Earnings coverage of net charge-offs (x)102.1667%779
Efficiency ratio48.8876%4,562
Assets per employee ($millions)6.3174%1,982
Cash dividends to net income (ytd only)*20.7526%2,741
Condition Ratios (%)
Loss allowance to loans2.1579%377
Loan loss allowance to noncurrent loans187.3563%2,329
Noncurrent assets plus other real estate owned to assets0.8628%1,344
Noncurrent loans to loans1.1517%1,315
Net loans and leases to total assets73.2945%1,460
Net loans and leases to deposits86.8894%1,605
Net loans and leases to core deposits108.7770%742
Total domestic deposits to total assets84.3537%2,691
Equity capital to assets15.0955%616
Core capital (leverage) ratio14.0159%707
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$517,629,0001,478
Average earning assets$488,988,2501,458
Average equity$75,364,7501,207
Average total loans$388,239,5001,392
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6254%1,593
Cost of funding earning assets0.6611%2,621
Net interest margin3.9644%1,414
Noninterest income to average assets0.6449%1,956
Noninterest expense to average assets2.0575%4,120
Loan and lease loss provision to assets0.2270%1,847
Net operating income to assets2.0192%321
Return on assets (ROA)2.0136%359
Pretax return on assets2.0990%443
Return on Equity (ROE)14.0050%890
Retained earnings to average equity (ytd only)9.9565%798
Net charge-offs to loans0.0026%2,912
Credit loss provision to net charge-offs11,700.0000%101
Earnings coverage of net charge-offs (x)1,201.8000%71
Efficiency ratio46.5476%4,696
Assets per employee ($millions)6.5971%1,707
Cash dividends to net income (ytd only)*28.9073%2,400
Condition Ratios (%)
Loss allowance to loans2.0259%419
Loan loss allowance to noncurrent loans191.2388%2,206
Noncurrent assets plus other real estate owned to assets0.7849%1,586
Noncurrent loans to loans1.0594%1,469
Net loans and leases to total assets72.5901%1,609
Net loans and leases to deposits88.0166%1,554
Net loans and leases to core deposits111.7601%675
Total domestic deposits to total assets82.4732%3,247
Equity capital to assets14.2288%803
Core capital (leverage) ratio13.4409%890
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$515,389,3331,467
Average earning assets$486,787,0001,441
Average equity$74,102,0001,212
Average total loans$386,721,3331,369
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6059%1,983
Cost of funding earning assets0.8484%2,120
Net interest margin3.7575%2,120
Noninterest income to average assets0.5515%2,274
Noninterest expense to average assets2.1799%4,062
Loan and lease loss provision to assets0.1194%2,200
Net operating income to assets1.7151%498
Return on assets (ROA)1.7151%552
Pretax return on assets1.7947%711
Return on Equity (ROE)11.8624%1,139
Retained earnings to average equity (ytd only)3.6055%2,844
Net charge-offs to loans0.0105%2,201
Credit loss provision to net charge-offs1,500.0000%424
Earnings coverage of net charge-offs (x)240.5000%291
Efficiency ratio52.8771%4,481
Assets per employee ($millions)6.2721%1,478
Cash dividends to net income (ytd only)*69.6056%1,211
Condition Ratios (%)
Loss allowance to loans1.9684%530
Loan loss allowance to noncurrent loans103.6997%3,184
Noncurrent assets plus other real estate owned to assets1.4400%764
Noncurrent loans to loans1.8981%775
Net loans and leases to total assets74.3693%1,553
Net loans and leases to deposits89.7628%1,537
Net loans and leases to core deposits115.7415%598
Total domestic deposits to total assets82.8509%3,154
Equity capital to assets14.2682%978
Core capital (leverage) ratio13.6581%1,000
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2166%1,552
Memoranda:
Average total assets$502,601,0001,458
Average earning assets$473,826,0001,436
Average equity$72,666,5001,229
Average total loans$379,678,0001,355
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5989%2,619
Cost of funding earning assets1.1097%1,289
Net interest margin3.4892%3,485
Noninterest income to average assets0.5466%2,507
Noninterest expense to average assets2.1363%4,295
Loan and lease loss provision to assets0.1767%1,180
Net operating income to assets1.4523%1,178
Return on assets (ROA)1.4527%1,235
Pretax return on assets1.5163%1,757
Return on Equity (ROE)10.1121%2,251
Retained earnings to average equity (ytd only)6.4939%1,609
Net charge-offs to loans0.0987%1,740
Credit loss provision to net charge-offs244.9568%1,108
Earnings coverage of net charge-offs (x)23.4611%1,814
Efficiency ratio55.3866%4,278
Assets per employee ($millions)6.1361%1,530
Cash dividends to net income (ytd only)*35.7807%2,815
Condition Ratios (%)
Loss allowance to loans2.0423%429
Loan loss allowance to noncurrent loans156.9525%2,519
Noncurrent assets plus other real estate owned to assets0.9786%1,282
Noncurrent loans to loans1.3012%1,160
Net loans and leases to total assets73.6714%1,806
Net loans and leases to deposits89.4099%1,656
Net loans and leases to core deposits111.5283%774
Total domestic deposits to total assets82.3974%3,398
Equity capital to assets14.6571%880
Core capital (leverage) ratio13.7427%992
Tier 1 risk-based capital ratio15.5337%2,568
Total risk-based capital ratio16.7898%2,499
Memoranda:
Average total assets$480,974,2001,471
Average earning assets$452,453,8001,448
Average equity$69,095,4001,231
Average total loans$351,690,6001,416
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5738%2,814
Cost of funding earning assets1.1582%1,147
Net interest margin3.4156%3,822
Noninterest income to average assets0.5110%2,663
Noninterest expense to average assets2.0335%4,489
Loan and lease loss provision to assets0.1533%1,226
Net operating income to assets1.4721%1,267
Return on assets (ROA)1.4726%1,325
Pretax return on assets1.5378%1,844
Return on Equity (ROE)10.3046%2,301
Retained earnings to average equity (ytd only)7.8674%1,456
Net charge-offs to loans0.0046%3,237
Credit loss provision to net charge-offs4,583.3333%86
Earnings coverage of net charge-offs (x)505.5706%197
Efficiency ratio54.1863%4,374
Assets per employee ($millions)6.0915%1,539
Cash dividends to net income (ytd only)*23.6519%2,883
Condition Ratios (%)
Loss allowance to loans2.1514%360
Loan loss allowance to noncurrent loans123.7745%2,953
Noncurrent assets plus other real estate owned to assets1.2559%984
Noncurrent loans to loans1.7381%837
Net loans and leases to total assets70.6985%2,375
Net loans and leases to deposits83.3636%2,521
Net loans and leases to core deposits107.4023%1,091
Total domestic deposits to total assets84.8074%2,496
Equity capital to assets14.7444%922
Core capital (leverage) ratio13.9439%1,001
Tier 1 risk-based capital ratio15.9151%2,470
Total risk-based capital ratio17.1722%2,399
Memoranda:
Average total assets$478,495,5001,488
Average earning assets$450,116,2501,464
Average equity$68,381,7501,240
Average total loans$347,317,0001,442
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5534%2,830
Cost of funding earning assets1.1772%1,057
Net interest margin3.3762%3,968
Noninterest income to average assets0.4555%2,931
Noninterest expense to average assets2.0843%4,443
Loan and lease loss provision to assets0.2313%701
Net operating income to assets1.2621%1,907
Return on assets (ROA)1.2629%1,972
Pretax return on assets1.3176%2,490
Return on Equity (ROE)8.9342%2,881
Retained earnings to average equity (ytd only)5.2153%2,659
Net charge-offs to loans0.1197%1,235
Credit loss provision to net charge-offs265.7005%973
Earnings coverage of net charge-offs (x)17.7826%1,881
Efficiency ratio56.9526%4,139
Assets per employee ($millions)6.0646%1,497
Cash dividends to net income (ytd only)*41.6250%2,134
Condition Ratios (%)
Loss allowance to loans2.1123%386
Loan loss allowance to noncurrent loans109.9851%3,175
Noncurrent assets plus other real estate owned to assets1.4037%849
Noncurrent loans to loans1.9206%761
Net loans and leases to total assets71.3827%2,310
Net loans and leases to deposits83.7915%2,512
Net loans and leases to core deposits108.1783%1,085
Total domestic deposits to total assets85.1908%2,393
Equity capital to assets14.4078%979
Core capital (leverage) ratio13.4939%1,123
Tier 1 risk-based capital ratio15.5402%2,612
Total risk-based capital ratio16.7968%2,538
Memoranda:
Average total assets$475,555,3301,498
Average earning assets$447,491,6701,475
Average equity$67,225,0001,249
Average total loans$345,722,6701,455
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5143%2,815
Cost of funding earning assets1.1355%1,074
Net interest margin3.3787%3,940
Noninterest income to average assets0.4610%2,794
Noninterest expense to average assets2.0566%4,537
Loan and lease loss provision to assets0.2533%571
Net operating income to assets1.2765%1,790
Return on assets (ROA)1.2765%1,831
Pretax return on assets1.3314%2,325
Return on Equity (ROE)9.1189%2,760
Retained earnings to average equity (ytd only)9.1189%1,282
Net charge-offs to loans0.0931%1,199
Credit loss provision to net charge-offs375.0000%719
Earnings coverage of net charge-offs (x)23.4625%1,473
Efficiency ratio56.0399%4,330
Assets per employee ($millions)6.1039%1,467
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans2.0956%420
Loan loss allowance to noncurrent loans126.6713%2,973
Noncurrent assets plus other real estate owned to assets1.3959%901
Noncurrent loans to loans1.6543%944
Net loans and leases to total assets71.2115%2,298
Net loans and leases to deposits83.3558%2,462
Net loans and leases to core deposits102.4067%1,422
Total domestic deposits to total assets85.4308%2,513
Equity capital to assets14.2178%963
Core capital (leverage) ratio13.5846%1,062
Tier 1 risk-based capital ratio15.1058%2,836
Total risk-based capital ratio16.3615%2,745
Memoranda:
Average total assets$473,782,5001,512
Average earning assets$445,964,5001,489
Average equity$66,323,5001,259
Average total loans$343,896,5001,468
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5160%2,416
Cost of funding earning assets0.8987%1,099
Net interest margin3.6173%3,322
Noninterest income to average assets0.5648%2,470
Noninterest expense to average assets2.0509%4,652
Loan and lease loss provision to assets0.4409%294
Net operating income to assets1.4057%1,414
Return on assets (ROA)1.4057%1,401
Pretax return on assets1.4708%1,870
Return on Equity (ROE)10.4988%2,286
Retained earnings to average equity (ytd only)6.9450%1,698
Net charge-offs to loans0.2864%678
Credit loss provision to net charge-offs213.4084%1,355
Earnings coverage of net charge-offs (x)9.2528%2,826
Efficiency ratio51.3555%4,855
Assets per employee ($millions)6.0443%1,489
Cash dividends to net income (ytd only)*33.8499%2,859
Condition Ratios (%)
Loss allowance to loans2.0607%426
Loan loss allowance to noncurrent loans356.8458%1,426
Noncurrent assets plus other real estate owned to assets0.4183%2,885
Noncurrent loans to loans0.5775%2,555
Net loans and leases to total assets70.9408%2,427
Net loans and leases to deposits83.4238%2,577
Net loans and leases to core deposits99.2372%1,779
Total domestic deposits to total assets85.0366%2,635
Equity capital to assets13.7775%1,037
Core capital (leverage) ratio13.2341%1,168
Tier 1 risk-based capital ratio11.6815%4,631
Total risk-based capital ratio12.9323%4,515
Memoranda:
Average total assets$472,874,6001,479
Average earning assets$444,175,0001,468
Average equity$63,312,0001,264
Average total loans$341,156,0001,435
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4935%2,330
Cost of funding earning assets0.8341%1,174
Net interest margin3.6594%3,173
Noninterest income to average assets0.5055%2,838
Noninterest expense to average assets2.0573%4,634
Loan and lease loss provision to assets0.4437%270
Net operating income to assets1.3820%1,547
Return on assets (ROA)1.3820%1,553
Pretax return on assets1.4420%2,082
Return on Equity (ROE)10.3970%2,438
Retained earnings to average equity (ytd only)8.2773%1,522
Net charge-offs to loans0.3729%433
Credit loss provision to net charge-offs165.0943%1,607
Earnings coverage of net charge-offs (x)7.0157%2,836
Efficiency ratio51.7756%4,833
Assets per employee ($millions)5.9705%1,507
Cash dividends to net income (ytd only)*20.3873%2,996
Condition Ratios (%)
Loss allowance to loans1.9100%580
Loan loss allowance to noncurrent loans289.8230%1,692
Noncurrent assets plus other real estate owned to assets0.6912%2,127
Noncurrent loans to loans0.6590%2,436
Net loans and leases to total assets71.3176%2,442
Net loans and leases to deposits83.3437%2,674
Net loans and leases to core deposits100.6360%1,730
Total domestic deposits to total assets85.5705%2,365
Equity capital to assets13.4909%1,139
Core capital (leverage) ratio13.3024%1,176
Tier 1 risk-based capital ratio11.6761%4,689
Total risk-based capital ratio12.9115%4,588
Memoranda:
Average total assets$473,228,7501,486
Average earning assets$444,541,5001,474
Average equity$62,901,2501,271
Average total loans$341,071,7501,436
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5236%2,015
Cost of funding earning assets0.7909%1,169
Net interest margin3.7327%2,814
Noninterest income to average assets0.4593%3,097
Noninterest expense to average assets2.0640%4,683
Loan and lease loss provision to assets0.4433%263
Net operating income to assets1.3986%1,448
Return on assets (ROA)1.3986%1,449
Pretax return on assets1.4569%1,967
Return on Equity (ROE)10.5750%2,294
Retained earnings to average equity (ytd only)10.5750%767
Net charge-offs to loans0.3642%432
Credit loss provision to net charge-offs169.6284%1,456
Earnings coverage of net charge-offs (x)7.2714%2,562
Efficiency ratio51.6720%4,922
Assets per employee ($millions)6.0605%1,421
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.8851%651
Loan loss allowance to noncurrent loans426.8456%1,259
Noncurrent assets plus other real estate owned to assets0.4907%2,792
Noncurrent loans to loans0.4416%3,111
Net loans and leases to total assets70.9349%2,442
Net loans and leases to deposits83.5361%2,588
Net loans and leases to core deposits90.5105%2,527
Total domestic deposits to total assets84.9152%2,706
Equity capital to assets13.6699%1,038
Core capital (leverage) ratio13.2005%1,158
Tier 1 risk-based capital ratio11.7036%4,686
Total risk-based capital ratio12.9180%4,585
Memoranda:
Average total assets$473,747,3301,487
Average earning assets$444,821,0001,469
Average equity$62,657,3301,277
Average total loans$339,917,0001,442
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2542%2,693
Cost of funding earning assets0.7519%1,181
Net interest margin3.5023%3,528
Noninterest income to average assets0.5498%2,522
Noninterest expense to average assets1.9200%4,991
Loan and lease loss provision to assets0.4400%244
Net operating income to assets1.4163%1,302
Return on assets (ROA)1.4163%1,309
Pretax return on assets1.4767%1,742
Return on Equity (ROE)10.8874%2,015
Retained earnings to average equity (ytd only)10.8874%920
Net charge-offs to loans0.0106%2,365
Credit loss provision to net charge-offs5,833.3333%56
Earnings coverage of net charge-offs (x)254.1111%266
Efficiency ratio49.6287%5,106
Assets per employee ($millions)6.2926%1,316
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.9061%649
Loan loss allowance to noncurrent loans69.5329%4,030
Noncurrent assets plus other real estate owned to assets2.3856%405
Noncurrent loans to loans2.7413%461
Net loans and leases to total assets70.2781%2,431
Net loans and leases to deposits83.5907%2,439
Net loans and leases to core deposits92.5740%2,253
Total domestic deposits to total assets84.0741%3,294
Equity capital to assets13.2207%1,148
Core capital (leverage) ratio12.6247%1,334
Tier 1 risk-based capital ratio11.4126%4,907
Total risk-based capital ratio12.6456%4,827
Memoranda:
Average total assets$477,290,0001,484
Average earning assets$447,932,5001,467
Average equity$62,090,0001,291
Average total loans$341,182,5001,444
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0940%3,080
Cost of funding earning assets0.6817%1,127
Net interest margin3.4122%3,811
Noninterest income to average assets0.5789%2,561
Noninterest expense to average assets1.9207%5,090
Loan and lease loss provision to assets0.5063%257
Net operating income to assets1.3074%1,211
Return on assets (ROA)1.3125%1,215
Pretax return on assets1.3705%2,095
Return on Equity (ROE)10.2337%1,794
Retained earnings to average equity (ytd only)3.0778%3,457
Net charge-offs to loans1.0803%159
Credit loss provision to net charge-offs64.8123%3,166
Earnings coverage of net charge-offs (x)2.3956%3,747
Efficiency ratio50.2086%5,209
Assets per employee ($millions)6.4351%1,243
Cash dividends to net income (ytd only)*69.9244%1,273
Condition Ratios (%)
Loss allowance to loans1.7223%900
Loan loss allowance to noncurrent loans43.2363%4,628
Noncurrent assets plus other real estate owned to assets2.8413%300
Noncurrent loans to loans3.9835%239
Net loans and leases to total assets70.0979%2,507
Net loans and leases to deposits83.7702%2,517
Net loans and leases to core deposits97.4463%1,903
Total domestic deposits to total assets83.6789%3,318
Equity capital to assets12.8017%1,354
Core capital (leverage) ratio12.2859%1,457
Tier 1 risk-based capital ratio11.0314%5,128
Total risk-based capital ratio12.1593%5,082
Memoranda:
Average total assets$473,991,2001,470
Average earning assets$446,365,2001,447
Average equity$60,789,6001,298
Average total loans$342,772,4001,397
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0865%3,030
Cost of funding earning assets0.6857%1,035
Net interest margin3.4008%3,849
Noninterest income to average assets0.5835%2,568
Noninterest expense to average assets1.9238%5,103
Loan and lease loss provision to assets0.5086%228
Net operating income to assets1.2959%1,351
Return on assets (ROA)1.3027%1,363
Pretax return on assets1.3592%2,244
Return on Equity (ROE)10.1527%2,055
Retained earnings to average equity (ytd only)2.7749%4,249
Net charge-offs to loans0.6448%308
Credit loss provision to net charge-offs108.6957%2,155
Earnings coverage of net charge-offs (x)3.9765%3,281
Efficiency ratio50.3845%5,221
Assets per employee ($millions)6.2035%1,377
Cash dividends to net income (ytd only)*72.6682%869
Condition Ratios (%)
Loss allowance to loans2.1914%415
Loan loss allowance to noncurrent loans43.6192%4,675
Noncurrent assets plus other real estate owned to assets3.6345%202
Noncurrent loans to loans5.0240%162
Net loans and leases to total assets70.7571%2,449
Net loans and leases to deposits82.9914%2,658
Net loans and leases to core deposits103.4914%1,433
Total domestic deposits to total assets85.2584%2,616
Equity capital to assets13.3093%1,246
Core capital (leverage) ratio12.3614%1,479
Tier 1 risk-based capital ratio11.4131%5,003
Total risk-based capital ratio12.6814%4,886
Memoranda:
Average total assets$471,831,0001,485
Average earning assets$444,117,0001,465
Average equity$60,540,7501,313
Average total loans$342,404,5001,407
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0317%3,085
Cost of funding earning assets0.6693%1,045
Net interest margin3.3625%3,898
Noninterest income to average assets0.5675%2,620
Noninterest expense to average assets1.9940%4,989
Loan and lease loss provision to assets0.5063%232
Net operating income to assets1.1826%1,659
Return on assets (ROA)1.1826%1,691
Pretax return on assets1.2341%2,644
Return on Equity (ROE)9.3309%2,341
Retained earnings to average equity (ytd only)0.5093%4,976
Net charge-offs to loans0.9589%206
Credit loss provision to net charge-offs72.6832%2,349
Earnings coverage of net charge-offs (x)2.4985%3,154
Efficiency ratio52.9319%5,101
Assets per employee ($millions)6.3229%1,245
Cash dividends to net income (ytd only)*94.5416%553
Condition Ratios (%)
Loss allowance to loans1.9843%621
Loan loss allowance to noncurrent loans49.5180%4,597
Noncurrent assets plus other real estate owned to assets2.8877%333
Noncurrent loans to loans4.0072%241
Net loans and leases to total assets70.6333%2,425
Net loans and leases to deposits85.2975%2,312
Net loans and leases to core deposits103.7613%1,371
Total domestic deposits to total assets82.8082%3,626
Equity capital to assets12.8875%1,424
Core capital (leverage) ratio11.9568%1,654
Tier 1 risk-based capital ratio11.2207%5,130
Total risk-based capital ratio12.4877%5,007
Memoranda:
Average total assets$474,020,6701,486
Average earning assets$446,458,6701,460
Average equity$60,080,0001,320
Average total loans$344,345,3301,407
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9250%3,306
Cost of funding earning assets0.6250%1,215
Net interest margin3.3000%4,008
Noninterest income to average assets0.5081%2,920
Noninterest expense to average assets1.9725%5,111
Loan and lease loss provision to assets0.5064%201
Net operating income to assets1.0879%1,920
Return on assets (ROA)1.0879%1,964
Pretax return on assets1.1352%2,840
Return on Equity (ROE)8.6565%2,583
Retained earnings to average equity (ytd only)-2.4243%5,212
Net charge-offs to loans1.2140%144
Credit loss provision to net charge-offs57.1973%1,932
Earnings coverage of net charge-offs (x)1.8541%2,671
Efficiency ratio54.0635%5,121
Assets per employee ($millions)6.2541%1,324
Cash dividends to net income (ytd only)*128.0062%491
Condition Ratios (%)
Loss allowance to loans1.9559%726
Loan loss allowance to noncurrent loans63.2684%4,345
Noncurrent assets plus other real estate owned to assets2.2556%548
Noncurrent loans to loans3.0915%436
Net loans and leases to total assets71.5340%2,136
Net loans and leases to deposits86.1572%2,016
Net loans and leases to core deposits102.2719%1,352
Total domestic deposits to total assets83.0273%3,822
Equity capital to assets12.5238%1,512
Core capital (leverage) ratio11.8384%1,729
Tier 1 risk-based capital ratio10.9427%5,338
Total risk-based capital ratio12.1937%5,256
Memoranda:
Average total assets$473,920,5001,492
Average earning assets$446,061,5001,465
Average equity$59,562,5001,325
Average total loans$345,648,5001,411
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0275%3,105
Cost of funding earning assets0.6171%1,226
Net interest margin3.4104%3,787
Noninterest income to average assets0.5838%2,745
Noninterest expense to average assets1.8607%5,413
Loan and lease loss provision to assets0.6077%214
Net operating income to assets1.2674%1,306
Return on assets (ROA)1.2674%1,381
Pretax return on assets1.3235%2,202
Return on Equity (ROE)10.1381%1,902
Retained earnings to average equity (ytd only)8.8709%613
Net charge-offs to loans0.1079%2,192
Credit loss provision to net charge-offs773.3871%472
Earnings coverage of net charge-offs (x)24.5780%1,632
Efficiency ratio48.5294%5,550
Assets per employee ($millions)5.9814%1,497
Cash dividends to net income (ytd only)*12.5000%3,963
Condition Ratios (%)
Loss allowance to loans2.0992%549
Loan loss allowance to noncurrent loans127.5935%3,138
Noncurrent assets plus other real estate owned to assets1.1995%1,504
Noncurrent loans to loans1.6453%1,182
Net loans and leases to total assets71.3760%2,260
Net loans and leases to deposits85.9469%2,179
Net loans and leases to core deposits102.9583%1,363
Total domestic deposits to total assets83.0466%3,751
Equity capital to assets12.6125%1,456
Core capital (leverage) ratio12.0030%1,598
Tier 1 risk-based capital ratio11.1925%5,225
Total risk-based capital ratio12.4448%5,119
Memoranda:
Average total assets$473,427,2001,445
Average earning assets$445,340,0001,429
Average equity$59,182,4001,302
Average total loans$344,823,4001,354
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0095%3,199
Cost of funding earning assets0.6005%1,326
Net interest margin3.4091%3,808
Noninterest income to average assets0.5610%2,868
Noninterest expense to average assets1.8820%5,414
Loan and lease loss provision to assets0.3995%368
Net operating income to assets1.4256%1,016
Return on assets (ROA)1.4256%1,068
Pretax return on assets1.4887%1,743
Return on Equity (ROE)11.4692%1,501
Retained earnings to average equity (ytd only)9.7766%623
Net charge-offs to loans0.1162%1,790
Credit loss provision to net charge-offs471.5232%743
Earnings coverage of net charge-offs (x)22.2879%1,766
Efficiency ratio49.3750%5,537
Assets per employee ($millions)6.1026%1,354
Cash dividends to net income (ytd only)*14.7580%3,422
Condition Ratios (%)
Loss allowance to loans1.6961%1,229
Loan loss allowance to noncurrent loans49.2009%4,756
Noncurrent assets plus other real estate owned to assets2.5059%543
Noncurrent loans to loans3.4474%381
Net loans and leases to total assets71.2164%2,315
Net loans and leases to deposits88.1203%1,999
Net loans and leases to core deposits106.6815%1,132
Total domestic deposits to total assets80.8173%4,296
Equity capital to assets12.9054%1,538
Core capital (leverage) ratio11.6944%1,893
Tier 1 risk-based capital ratio11.0916%5,320
Total risk-based capital ratio12.2674%5,271
Memoranda:
Average total assets$475,305,2501,442
Average earning assets$447,424,0001,425
Average equity$59,078,5001,315
Average total loans$346,556,7501,349
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0017%3,240
Cost of funding earning assets0.5884%1,415
Net interest margin3.4134%3,839
Noninterest income to average assets0.5153%3,093
Noninterest expense to average assets1.9218%5,415
Loan and lease loss provision to assets0.4020%378
Net operating income to assets1.3509%1,164
Return on assets (ROA)1.3509%1,236
Pretax return on assets1.4103%1,983
Return on Equity (ROE)11.0096%1,643
Retained earnings to average equity (ytd only)11.0096%440
Net charge-offs to loans0.1613%1,366
Credit loss provision to net charge-offs341.0714%872
Earnings coverage of net charge-offs (x)15.3750%1,995
Efficiency ratio50.9132%5,511
Assets per employee ($millions)6.2089%1,255
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.5363%1,735
Loan loss allowance to noncurrent loans48.9312%4,833
Noncurrent assets plus other real estate owned to assets2.3176%646
Noncurrent loans to loans3.1397%454
Net loans and leases to total assets72.4192%2,102
Net loans and leases to deposits89.9824%1,762
Net loans and leases to core deposits108.3141%1,022
Total domestic deposits to total assets80.4815%4,417
Equity capital to assets12.6450%1,689
Core capital (leverage) ratio11.4397%2,033
Tier 1 risk-based capital ratio10.9356%5,455
Total risk-based capital ratio12.0288%5,461
Memoranda:
Average total assets$475,073,3301,445
Average earning assets$448,005,0001,431
Average equity$58,294,6701,335
Average total loans$347,129,0001,347
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9812%3,282
Cost of funding earning assets0.5814%1,470
Net interest margin3.3998%3,868
Noninterest income to average assets0.4654%3,371
Noninterest expense to average assets1.8954%5,528
Loan and lease loss provision to assets0.2770%599
Net operating income to assets1.4410%960
Return on assets (ROA)1.4410%1,008
Pretax return on assets1.5086%1,555
Return on Equity (ROE)11.9269%1,334
Retained earnings to average equity (ytd only)11.9269%517
Net charge-offs to loans0.0754%1,734
Credit loss provision to net charge-offs504.6154%596
Earnings coverage of net charge-offs (x)32.5231%1,137
Efficiency ratio50.9408%5,569
Assets per employee ($millions)6.2982%1,223
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.4240%2,316
Loan loss allowance to noncurrent loans120.9111%3,211
Noncurrent assets plus other real estate owned to assets0.8622%2,538
Noncurrent loans to loans1.1777%2,056
Net loans and leases to total assets72.1658%2,011
Net loans and leases to deposits91.4502%1,409
Net loans and leases to core deposits106.9582%1,021
Total domestic deposits to total assets78.9127%4,986
Equity capital to assets12.1779%1,903
Core capital (leverage) ratio11.2961%2,142
Tier 1 risk-based capital ratio10.7486%5,644
Total risk-based capital ratio11.7698%5,652
Memoranda:
Average total assets$473,567,0001,449
Average earning assets$447,906,0001,430
Average equity$57,215,0001,356
Average total loans$344,879,5001,349
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0134%3,265
Cost of funding earning assets0.5589%1,685
Net interest margin3.4545%3,699
Noninterest income to average assets0.6519%2,452
Noninterest expense to average assets2.0703%5,314
Loan and lease loss provision to assets0.3966%346
Net operating income to assets1.4318%979
Return on assets (ROA)1.4327%1,007
Pretax return on assets1.4553%1,696
Return on Equity (ROE)12.0376%1,289
Retained earnings to average equity (ytd only)7.1079%1,235
Net charge-offs to loans0.3642%805
Credit loss provision to net charge-offs151.4523%1,759
Earnings coverage of net charge-offs (x)7.0689%3,120
Efficiency ratio52.2582%5,621
Assets per employee ($millions)6.0840%1,327
Cash dividends to net income (ytd only)*40.9525%2,796
Condition Ratios (%)
Loss allowance to loans1.3930%2,455
Loan loss allowance to noncurrent loans1,020.9503%591
Noncurrent assets plus other real estate owned to assets0.0988%5,216
Noncurrent loans to loans0.1364%4,947
Net loans and leases to total assets71.4262%2,142
Net loans and leases to deposits88.1516%1,864
Net loans and leases to core deposits101.7559%1,379
Total domestic deposits to total assets81.0266%4,475
Equity capital to assets11.9835%1,961
Core capital (leverage) ratio10.9906%2,415
Tier 1 risk-based capital ratio10.7680%5,640
Total risk-based capital ratio11.7685%5,686
Memoranda:
Average total assets$460,185,4001,459
Average earning assets$435,516,2001,435
Average equity$54,770,0001,364
Average total loans$330,829,0001,355
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0015%3,336
Cost of funding earning assets0.5554%1,758
Net interest margin3.4461%3,765
Noninterest income to average assets0.6895%2,282
Noninterest expense to average assets1.9869%5,504
Loan and lease loss provision to assets0.2893%529
Net operating income to assets1.6054%761
Return on assets (ROA)1.6065%788
Pretax return on assets1.6776%1,168
Return on Equity (ROE)13.5222%1,001
Retained earnings to average equity (ytd only)8.6228%1,029
Net charge-offs to loans0.0365%3,175
Credit loss provision to net charge-offs1,104.4444%342
Earnings coverage of net charge-offs (x)75.0426%777
Efficiency ratio49.7312%5,793
Assets per employee ($millions)6.0494%1,343
Cash dividends to net income (ytd only)*36.2319%2,504
Condition Ratios (%)
Loss allowance to loans1.4785%2,247
Loan loss allowance to noncurrent loans72.2463%4,362
Noncurrent assets plus other real estate owned to assets1.5268%1,468
Noncurrent loans to loans2.0464%1,123
Net loans and leases to total assets71.6871%2,109
Net loans and leases to deposits90.0820%1,640
Net loans and leases to core deposits104.2444%1,214
Total domestic deposits to total assets79.5799%4,840
Equity capital to assets12.0119%2,096
Core capital (leverage) ratio11.0837%2,402
Tier 1 risk-based capital ratio10.7607%5,773
Total risk-based capital ratio11.8285%5,777
Memoranda:
Average total assets$458,114,0001,471
Average earning assets$433,797,2501,440
Average equity$54,427,7501,382
Average total loans$328,701,7501,364
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9957%3,310
Cost of funding earning assets0.5494%1,823
Net interest margin3.4463%3,730
Noninterest income to average assets0.5554%3,006
Noninterest expense to average assets1.9980%5,538
Loan and lease loss provision to assets0.2906%544
Net operating income to assets1.4506%987
Return on assets (ROA)1.4506%1,030
Pretax return on assets1.5300%1,560
Return on Equity (ROE)12.2553%1,297
Retained earnings to average equity (ytd only)8.5460%1,063
Net charge-offs to loans0.0400%2,881
Credit loss provision to net charge-offs1,018.4615%346
Earnings coverage of net charge-offs (x)63.8000%809
Efficiency ratio51.7590%5,736
Assets per employee ($millions)5.9029%1,430
Cash dividends to net income (ytd only)*30.2663%2,803
Condition Ratios (%)
Loss allowance to loans1.4102%2,707
Loan loss allowance to noncurrent loans126.5537%3,164
Noncurrent assets plus other real estate owned to assets0.8555%2,847
Noncurrent loans to loans1.1143%2,427
Net loans and leases to total assets71.4266%2,082
Net loans and leases to deposits92.7951%1,272
Net loans and leases to core deposits104.1216%1,179
Total domestic deposits to total assets76.9724%5,458
Equity capital to assets11.7719%2,183
Core capital (leverage) ratio10.7839%2,633
Tier 1 risk-based capital ratio10.7478%5,826
Total risk-based capital ratio11.7739%5,857
Memoranda:
Average total assets$455,550,0001,491
Average earning assets$431,364,0001,454
Average equity$53,919,6701,402
Average total loans$325,291,0001,379
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9166%3,529
Cost of funding earning assets0.5487%1,859
Net interest margin3.3679%3,960
Noninterest income to average assets0.5208%3,148
Noninterest expense to average assets1.9818%5,616
Loan and lease loss provision to assets0.2922%508
Net operating income to assets1.3648%1,106
Return on assets (ROA)1.3648%1,167
Pretax return on assets1.4328%1,766
Return on Equity (ROE)11.4989%1,481
Retained earnings to average equity (ytd only)11.4989%644
Net charge-offs to loans0.0075%3,077
Credit loss provision to net charge-offs5,516.6667%73
Earnings coverage of net charge-offs (x)325.6667%169
Efficiency ratio52.8935%5,754
Assets per employee ($millions)5.8933%1,471
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.3486%3,149
Loan loss allowance to noncurrent loans213.0769%2,107
Noncurrent assets plus other real estate owned to assets0.4986%4,029
Noncurrent loans to loans0.6329%3,692
Net loans and leases to total assets70.5270%2,066
Net loans and leases to deposits90.0195%1,394
Net loans and leases to core deposits97.0795%1,546
Total domestic deposits to total assets78.3464%5,379
Equity capital to assets11.9462%2,067
Core capital (leverage) ratio11.0113%2,400
Tier 1 risk-based capital ratio10.7479%5,919
Total risk-based capital ratio11.7301%5,966
Memoranda:
Average total assets$453,112,5001,505
Average earning assets$428,636,0001,469
Average equity$53,779,0001,415
Average total loans$321,151,5001,394
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0485%3,529
Cost of funding earning assets0.5956%1,795
Net interest margin3.4530%3,965
Noninterest income to average assets0.5795%2,991
Noninterest expense to average assets2.0558%5,667
Loan and lease loss provision to assets0.2565%875
Net operating income to assets1.4478%986
Return on assets (ROA)1.4538%1,006
Pretax return on assets1.5320%1,435
Return on Equity (ROE)12.6139%1,232
Retained earnings to average equity (ytd only)8.2065%945
Net charge-offs to loans0.6050%655
Credit loss provision to net charge-offs61.1511%3,266
Earnings coverage of net charge-offs (x)4.2485%3,701
Efficiency ratio52.9760%5,913
Assets per employee ($millions)5.5129%1,758
Cash dividends to net income (ytd only)*34.9409%3,126
Condition Ratios (%)
Loss allowance to loans1.3093%3,369
Loan loss allowance to noncurrent loans232.5595%2,007
Noncurrent assets plus other real estate owned to assets0.4333%4,375
Noncurrent loans to loans0.5630%3,980
Net loans and leases to total assets69.3245%2,334
Net loans and leases to deposits87.8600%1,751
Net loans and leases to core deposits95.3758%1,773
Total domestic deposits to total assets78.9034%5,264
Equity capital to assets11.7892%2,181
Core capital (leverage) ratio10.5838%2,855
Tier 1 risk-based capital ratio10.9069%5,944
Total risk-based capital ratio11.8670%5,999
Memoranda:
Average total assets$430,742,4001,546
Average earning assets$406,492,0001,506
Average equity$49,643,6001,454
Average total loans$298,657,6001,434
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0413%3,592
Cost of funding earning assets0.6013%1,815
Net interest margin3.4400%4,067
Noninterest income to average assets0.5792%2,999
Noninterest expense to average assets2.0731%5,636
Loan and lease loss provision to assets0.2121%1,089
Net operating income to assets1.4634%1,001
Return on assets (ROA)1.4714%1,023
Pretax return on assets1.5483%1,488
Return on Equity (ROE)12.8439%1,250
Retained earnings to average equity (ytd only)10.1170%673
Net charge-offs to loans0.7270%470
Credit loss provision to net charge-offs42.2264%3,253
Earnings coverage of net charge-offs (x)3.4876%3,651
Efficiency ratio53.6018%5,866
Assets per employee ($millions)5.4488%1,775
Cash dividends to net income (ytd only)*21.2314%3,166
Condition Ratios (%)
Loss allowance to loans1.2606%3,876
Loan loss allowance to noncurrent loans234.0169%1,912
Noncurrent assets plus other real estate owned to assets0.4167%4,668
Noncurrent loans to loans0.5387%4,321
Net loans and leases to total assets68.8579%2,401
Net loans and leases to deposits86.0827%1,896
Net loans and leases to core deposits94.6326%1,792
Total domestic deposits to total assets79.9905%5,102
Equity capital to assets11.7262%2,290
Core capital (leverage) ratio10.8579%2,625
Tier 1 risk-based capital ratio11.1191%5,947
Total risk-based capital ratio12.0515%6,039
Memoranda:
Average total assets$426,791,5001,569
Average earning assets$402,699,2501,526
Average equity$48,893,5001,475
Average total loans$294,903,7501,454
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0484%3,552
Cost of funding earning assets0.6090%1,822
Net interest margin3.4393%4,017
Noninterest income to average assets0.5797%2,932
Noninterest expense to average assets2.0951%5,635
Loan and lease loss provision to assets0.2147%1,095
Net operating income to assets1.4435%975
Return on assets (ROA)1.4557%996
Pretax return on assets1.5325%1,450
Return on Equity (ROE)12.8118%1,229
Retained earnings to average equity (ytd only)12.8118%355
Net charge-offs to loans1.0234%345
Credit loss provision to net charge-offs30.4640%3,052
Earnings coverage of net charge-offs (x)2.4607%3,540
Efficiency ratio54.1032%5,901
Assets per employee ($millions)5.2316%1,936
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.2705%4,023
Loan loss allowance to noncurrent loans228.2346%1,909
Noncurrent assets plus other real estate owned to assets0.4277%4,724
Noncurrent loans to loans0.5567%4,348
Net loans and leases to total assets68.3829%2,352
Net loans and leases to deposits84.4334%1,987
Net loans and leases to core deposits90.3875%2,093
Total domestic deposits to total assets80.9904%4,983
Equity capital to assets11.8158%2,138
Core capital (leverage) ratio10.9771%2,450
Tier 1 risk-based capital ratio11.3263%5,891
Total risk-based capital ratio12.2639%5,985
Memoranda:
Average total assets$421,937,0001,581
Average earning assets$398,680,3301,539
Average equity$47,940,0001,495
Average total loans$290,609,0001,475
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0571%3,442
Cost of funding earning assets0.6238%1,782
Net interest margin3.4334%3,970
Noninterest income to average assets0.5229%3,248
Noninterest expense to average assets2.2284%5,391
Loan and lease loss provision to assets0.2161%1,059
Net operating income to assets1.2603%1,321
Return on assets (ROA)1.2849%1,301
Pretax return on assets1.3508%1,910
Return on Equity (ROE)11.5450%1,531
Retained earnings to average equity (ytd only)11.5450%667
Net charge-offs to loans1.9823%135
Credit loss provision to net charge-offs15.8708%2,547
Earnings coverage of net charge-offs (x)1.1320%3,171
Efficiency ratio58.4834%5,600
Assets per employee ($millions)4.9578%2,299
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.2554%4,352
Loan loss allowance to noncurrent loans311.2931%1,438
Noncurrent assets plus other real estate owned to assets0.3253%5,171
Noncurrent loans to loans0.4033%4,925
Net loans and leases to total assets67.4009%2,318
Net loans and leases to deposits79.5275%2,365
Net loans and leases to core deposits88.7174%2,023
Total domestic deposits to total assets84.7517%3,970
Equity capital to assets11.3564%2,370
Core capital (leverage) ratio10.6181%2,789
Tier 1 risk-based capital ratio11.2924%6,024
Total risk-based capital ratio12.2222%6,115
Memoranda:
Average total assets$418,409,0001,600
Average earning assets$395,648,0001,562
Average equity$46,565,5001,538
Average total loans$287,347,0001,493
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1098%3,695
Cost of funding earning assets0.7021%1,798
Net interest margin3.4077%4,246
Noninterest income to average assets0.6634%2,739
Noninterest expense to average assets2.1375%5,753
Loan and lease loss provision to assets0.1601%2,280
Net operating income to assets1.4951%834
Return on assets (ROA)1.5091%845
Pretax return on assets1.5896%1,197
Return on Equity (ROE)13.3107%1,107
Retained earnings to average equity (ytd only)6.1404%1,891
Net charge-offs to loans0.1018%3,812
Credit loss provision to net charge-offs229.6820%994
Earnings coverage of net charge-offs (x)24.8869%1,348
Efficiency ratio54.5802%6,087
Assets per employee ($millions)4.8871%2,325
Cash dividends to net income (ytd only)*53.8688%2,081
Condition Ratios (%)
Loss allowance to loans1.6753%2,480
Loan loss allowance to noncurrent loans196.1256%2,130
Noncurrent assets plus other real estate owned to assets0.6411%4,313
Noncurrent loans to loans0.8542%3,845
Net loans and leases to total assets67.9428%2,367
Net loans and leases to deposits82.7705%2,099
Net loans and leases to core deposits88.9802%2,136
Total domestic deposits to total assets82.0858%4,841
Equity capital to assets10.8987%2,707
Core capital (leverage) ratio10.4191%2,998
Tier 1 risk-based capital ratio11.0315%6,160
Total risk-based capital ratio12.2803%6,102
Memoranda:
Average total assets$405,939,2001,625
Average earning assets$382,282,2001,584
Average equity$46,023,2001,520
Average total loans$278,012,4001,517
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1104%3,718
Cost of funding earning assets0.7174%1,827
Net interest margin3.3931%4,315
Noninterest income to average assets0.6740%2,757
Noninterest expense to average assets2.1739%5,667
Loan and lease loss provision to assets0.1612%2,239
Net operating income to assets1.4527%979
Return on assets (ROA)1.4715%999
Pretax return on assets1.5495%1,470
Return on Equity (ROE)12.8510%1,269
Retained earnings to average equity (ytd only)8.5231%1,219
Net charge-offs to loans0.0716%3,910
Credit loss provision to net charge-offs329.7297%783
Earnings coverage of net charge-offs (x)34.5808%1,108
Efficiency ratio55.6249%5,959
Assets per employee ($millions)4.6961%2,586
Cash dividends to net income (ytd only)*33.6776%2,531
Condition Ratios (%)
Loss allowance to loans1.7399%2,486
Loan loss allowance to noncurrent loans195.7429%2,020
Noncurrent assets plus other real estate owned to assets0.7061%4,343
Noncurrent loans to loans0.8889%4,047
Net loans and leases to total assets66.0997%2,621
Net loans and leases to deposits78.7096%2,557
Net loans and leases to core deposits85.2358%2,500
Total domestic deposits to total assets83.9792%4,192
Equity capital to assets11.2476%2,514
Core capital (leverage) ratio10.6318%2,857
Tier 1 risk-based capital ratio11.5832%6,017
Total risk-based capital ratio12.8338%5,982
Memoranda:
Average total assets$403,572,2501,645
Average earning assets$379,511,2501,599
Average equity$46,210,5001,527
Average total loans$275,753,5001,532
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0892%3,781
Cost of funding earning assets0.7305%1,839
Net interest margin3.3587%4,346
Noninterest income to average assets0.6708%2,789
Noninterest expense to average assets2.1512%5,741
Loan and lease loss provision to assets0.1617%2,308
Net operating income to assets1.4431%997
Return on assets (ROA)1.4715%1,026
Pretax return on assets1.5476%1,492
Return on Equity (ROE)12.7742%1,294
Retained earnings to average equity (ytd only)6.2942%2,266
Net charge-offs to loans0.0819%3,550
Credit loss provision to net charge-offs287.6106%896
Earnings coverage of net charge-offs (x)29.8673%1,150
Efficiency ratio55.5209%6,017
Assets per employee ($millions)4.4824%2,838
Cash dividends to net income (ytd only)*50.7271%1,848
Condition Ratios (%)
Loss allowance to loans1.7165%2,719
Loan loss allowance to noncurrent loans183.8073%2,131
Noncurrent assets plus other real estate owned to assets0.7462%4,345
Noncurrent loans to loans0.9339%4,059
Net loans and leases to total assets66.7968%2,450
Net loans and leases to deposits79.5893%2,387
Net loans and leases to core deposits86.2407%2,310
Total domestic deposits to total assets83.9268%4,350
Equity capital to assets10.7654%2,981
Core capital (leverage) ratio10.3292%3,068
Tier 1 risk-based capital ratio11.3413%6,178
Total risk-based capital ratio12.5915%6,150
Memoranda:
Average total assets$401,910,6701,649
Average earning assets$378,118,3301,607
Average equity$46,296,3301,526
Average total loans$276,059,0001,530
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0877%3,774
Cost of funding earning assets0.7314%1,989
Net interest margin3.3563%4,288
Noninterest income to average assets0.6406%2,929
Noninterest expense to average assets2.1597%5,781
Loan and lease loss provision to assets0.1616%2,253
Net operating income to assets1.4031%1,017
Return on assets (ROA)1.4031%1,106
Pretax return on assets1.4725%1,641
Return on Equity (ROE)11.7988%1,473
Retained earnings to average equity (ytd only)11.7988%729
Net charge-offs to loans0.0316%3,589
Credit loss provision to net charge-offs740.9091%391
Earnings coverage of net charge-offs (x)74.9091%497
Efficiency ratio56.2990%6,032
Assets per employee ($millions)5.1532%2,031
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.6565%3,175
Loan loss allowance to noncurrent loans299.7384%1,324
Noncurrent assets plus other real estate owned to assets0.4851%5,168
Noncurrent loans to loans0.5527%5,056
Net loans and leases to total assets66.8335%2,221
Net loans and leases to deposits80.3606%2,033
Net loans and leases to core deposits85.3322%2,176
Total domestic deposits to total assets83.1669%4,803
Equity capital to assets11.8216%2,159
Core capital (leverage) ratio10.5632%2,694
Tier 1 risk-based capital ratio11.1849%6,322
Total risk-based capital ratio12.4351%6,302
Memoranda:
Average total assets$403,397,5001,659
Average earning assets$378,991,5001,612
Average equity$47,971,0001,503
Average total loans$278,523,0001,532
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5580%3,177
Cost of funding earning assets0.8426%2,345
Net interest margin3.7154%3,582
Noninterest income to average assets0.7605%2,444
Noninterest expense to average assets2.2732%5,761
Loan and lease loss provision to assets0.1671%3,525
Net operating income to assets1.7212%592
Return on assets (ROA)1.7296%653
Pretax return on assets1.8156%890
Return on Equity (ROE)14.0312%985
Retained earnings to average equity (ytd only)6.5980%1,764
Net charge-offs to loans0.1075%4,593
Credit loss provision to net charge-offs214.5329%1,181
Earnings coverage of net charge-offs (x)25.3426%1,139
Efficiency ratio52.9094%6,379
Assets per employee ($millions)5.0594%2,150
Cash dividends to net income (ytd only)*52.9760%2,168
Condition Ratios (%)
Loss allowance to loans1.5843%3,386
Loan loss allowance to noncurrent loans543.6965%766
Noncurrent assets plus other real estate owned to assets0.3288%5,686
Noncurrent loans to loans0.2914%5,753
Net loans and leases to total assets69.0382%2,025
Net loans and leases to deposits83.1392%1,865
Net loans and leases to core deposits88.1074%2,074
Total domestic deposits to total assets83.0392%4,709
Equity capital to assets11.9632%2,064
Core capital (leverage) ratio10.3484%2,947
Tier 1 risk-based capital ratio11.0577%6,325
Total risk-based capital ratio12.2993%6,299
Memoranda:
Average total assets$371,058,8001,754
Average earning assets$348,203,2001,713
Average equity$45,740,8001,522
Average total loans$268,895,4001,546
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6535%2,997
Cost of funding earning assets0.8669%2,415
Net interest margin3.7865%3,394
Noninterest income to average assets0.7386%2,534
Noninterest expense to average assets2.3493%5,546
Loan and lease loss provision to assets0.1704%3,424
Net operating income to assets1.6860%703
Return on assets (ROA)1.6975%760
Pretax return on assets1.7821%1,089
Return on Equity (ROE)13.6597%1,183
Retained earnings to average equity (ytd only)6.7311%2,262
Net charge-offs to loans0.1043%4,350
Credit loss provision to net charge-offs223.5577%1,242
Earnings coverage of net charge-offs (x)25.4612%1,248
Efficiency ratio54.1425%6,239
Assets per employee ($millions)4.8604%2,368
Cash dividends to net income (ytd only)*50.7231%1,660
Condition Ratios (%)
Loss allowance to loans1.6062%3,494
Loan loss allowance to noncurrent loans233.9582%1,536
Noncurrent assets plus other real estate owned to assets0.6183%5,127
Noncurrent loans to loans0.6865%5,067
Net loans and leases to total assets70.5817%1,805
Net loans and leases to deposits85.7568%1,628
Net loans and leases to core deposits90.8596%1,885
Total domestic deposits to total assets82.3046%4,918
Equity capital to assets12.3390%2,004
Core capital (leverage) ratio10.7018%2,697
Tier 1 risk-based capital ratio11.3192%6,345
Total risk-based capital ratio12.5696%6,309
Memoranda:
Average total assets$363,900,5001,815
Average earning assets$341,270,7501,765
Average equity$45,222,0001,552
Average total loans$266,023,7501,567
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6978%2,921
Cost of funding earning assets0.8927%2,456
Net interest margin3.8051%3,332
Noninterest income to average assets0.7352%2,495
Noninterest expense to average assets2.3666%5,576
Loan and lease loss provision to assets0.1728%3,377
Net operating income to assets1.6786%703
Return on assets (ROA)1.6855%779
Pretax return on assets1.7691%1,097
Return on Equity (ROE)13.5293%1,227
Retained earnings to average equity (ytd only)7.2657%1,971
Net charge-offs to loans0.1076%4,108
Credit loss provision to net charge-offs218.3099%1,301
Earnings coverage of net charge-offs (x)24.4437%1,219
Efficiency ratio54.3864%6,282
Assets per employee ($millions)4.6337%2,661
Cash dividends to net income (ytd only)*46.2963%1,904
Condition Ratios (%)
Loss allowance to loans1.5949%3,624
Loan loss allowance to noncurrent loans199.1159%1,718
Noncurrent assets plus other real estate owned to assets0.7119%5,014
Noncurrent loans to loans0.8010%4,906
Net loans and leases to total assets72.1233%1,536
Net loans and leases to deposits89.4175%1,204
Net loans and leases to core deposits94.7272%1,532
Total domestic deposits to total assets80.6590%5,571
Equity capital to assets12.4954%1,819
Core capital (leverage) ratio10.7554%2,537
Tier 1 risk-based capital ratio11.4376%6,254
Total risk-based capital ratio12.6879%6,230
Memoranda:
Average total assets$358,829,0001,833
Average earning assets$336,286,6701,790
Average equity$44,703,0001,562
Average total loans$264,047,0001,583
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7300%2,930
Cost of funding earning assets0.9182%2,539
Net interest margin3.8118%3,338
Noninterest income to average assets0.7781%2,264
Noninterest expense to average assets2.5348%5,042
Loan and lease loss provision to assets0.1745%3,222
Net operating income to assets1.5781%898
Return on assets (ROA)1.5878%988
Pretax return on assets1.6599%1,403
Return on Equity (ROE)12.7648%1,474
Retained earnings to average equity (ytd only)12.7648%721
Net charge-offs to loans0.0290%4,279
Credit loss provision to net charge-offs815.7895%428
Earnings coverage of net charge-offs (x)85.2632%400
Efficiency ratio57.5304%5,970
Assets per employee ($millions)4.6378%2,752
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.5846%3,784
Loan loss allowance to noncurrent loans182.0403%1,809
Noncurrent assets plus other real estate owned to assets0.7623%5,023
Noncurrent loans to loans0.8705%4,927
Net loans and leases to total assets71.9908%1,402
Net loans and leases to deposits87.2970%1,251
Net loans and leases to core deposits95.4505%1,336
Total domestic deposits to total assets82.4665%5,138
Equity capital to assets12.2482%1,881
Core capital (leverage) ratio11.0319%2,238
Tier 1 risk-based capital ratio11.6881%6,170
Total risk-based capital ratio12.9387%6,145
Memoranda:
Average total assets$355,212,5001,864
Average earning assets$333,698,5001,812
Average equity$44,184,0001,571
Average total loans$261,923,0001,601
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1447%2,269
Cost of funding earning assets1.1031%2,656
Net interest margin4.0415%2,675
Noninterest income to average assets0.7065%2,564
Noninterest expense to average assets2.3962%5,785
Loan and lease loss provision to assets0.1971%4,217
Net operating income to assets1.7737%482
Return on assets (ROA)1.7781%523
Pretax return on assets1.8738%702
Return on Equity (ROE)14.7969%783
Retained earnings to average equity (ytd only)6.1716%1,918
Net charge-offs to loans0.0676%5,631
Credit loss provision to net charge-offs386.3636%606
Earnings coverage of net charge-offs (x)40.4943%666
Efficiency ratio53.0600%6,607
Assets per employee ($millions)4.3549%3,149
Cash dividends to net income (ytd only)*58.2912%1,639
Condition Ratios (%)
Loss allowance to loans1.6069%3,559
Loan loss allowance to noncurrent loans572.5627%619
Noncurrent assets plus other real estate owned to assets0.3430%6,118
Noncurrent loans to loans0.2807%6,163
Net loans and leases to total assets73.1673%1,421
Net loans and leases to deposits89.4804%1,209
Net loans and leases to core deposits96.4770%1,457
Total domestic deposits to total assets81.7690%5,202
Equity capital to assets12.6417%1,710
Core capital (leverage) ratio10.7080%2,516
Tier 1 risk-based capital ratio11.9704%5,858
Total risk-based capital ratio13.2218%5,830
Memoranda:
Average total assets$344,921,6001,880
Average earning assets$320,545,8001,838
Average equity$41,448,0001,620
Average total loans$260,405,4001,616
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2380%2,070
Cost of funding earning assets1.1335%2,752
Net interest margin4.1045%2,454
Noninterest income to average assets0.6926%2,649
Noninterest expense to average assets2.3989%5,765
Loan and lease loss provision to assets0.1970%4,052
Net operating income to assets1.8109%512
Return on assets (ROA)1.8168%544
Pretax return on assets1.9091%763
Return on Equity (ROE)15.3175%785
Retained earnings to average equity (ytd only)9.4549%996
Net charge-offs to loans0.0464%5,525
Credit loss provision to net charge-offs560.4396%495
Earnings coverage of net charge-offs (x)59.7364%555
Efficiency ratio52.6962%6,618
Assets per employee ($millions)4.4907%2,936
Cash dividends to net income (ytd only)*38.2734%2,109
Condition Ratios (%)
Loss allowance to loans1.5649%3,823
Loan loss allowance to noncurrent loans361.0762%884
Noncurrent assets plus other real estate owned to assets0.4618%5,934
Noncurrent loans to loans0.4334%5,973
Net loans and leases to total assets73.2392%1,464
Net loans and leases to deposits89.3364%1,284
Net loans and leases to core deposits99.6761%1,276
Total domestic deposits to total assets81.9813%5,098
Equity capital to assets12.5948%1,854
Core capital (leverage) ratio10.9271%2,451
Tier 1 risk-based capital ratio12.1319%5,793
Total risk-based capital ratio13.3828%5,785
Memoranda:
Average total assets$345,143,2501,880
Average earning assets$320,061,7501,850
Average equity$40,937,0001,642
Average total loans$261,548,7501,622
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2347%2,124
Cost of funding earning assets1.1621%2,837
Net interest margin4.0725%2,519
Noninterest income to average assets0.6772%2,667
Noninterest expense to average assets2.4643%5,653
Loan and lease loss provision to assets0.1971%3,959
Net operating income to assets1.7101%584
Return on assets (ROA)1.7128%630
Pretax return on assets1.8021%880
Return on Equity (ROE)14.7458%844
Retained earnings to average equity (ytd only)8.2564%1,365
Net charge-offs to loans0.0502%5,153
Credit loss provision to net charge-offs515.1515%593
Earnings coverage of net charge-offs (x)52.1667%610
Efficiency ratio54.6081%6,560
Assets per employee ($millions)4.5363%2,775
Cash dividends to net income (ytd only)*44.0081%1,909
Condition Ratios (%)
Loss allowance to loans1.4700%4,258
Loan loss allowance to noncurrent loans450.2320%732
Noncurrent assets plus other real estate owned to assets0.3885%6,160
Noncurrent loans to loans0.3265%6,260
Net loans and leases to total assets74.4728%1,331
Net loans and leases to deposits93.2305%926
Net loans and leases to core deposits104.8480%994
Total domestic deposits to total assets79.8803%5,853
Equity capital to assets11.8943%2,170
Core capital (leverage) ratio10.4554%2,758
Tier 1 risk-based capital ratio11.6507%6,049
Total risk-based capital ratio12.9011%6,045
Memoranda:
Average total assets$344,929,3301,890
Average earning assets$320,441,3301,861
Average equity$40,065,6701,673
Average total loans$262,973,0001,636
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2156%2,167
Cost of funding earning assets1.2053%2,780
Net interest margin4.0102%2,646
Noninterest income to average assets0.6675%2,743
Noninterest expense to average assets2.6247%5,135
Loan and lease loss provision to assets0.1984%3,646
Net operating income to assets1.4823%904
Return on assets (ROA)1.4856%939
Pretax return on assets1.5638%1,270
Return on Equity (ROE)12.9483%1,209
Retained earnings to average equity (ytd only)12.9483%598
Net charge-offs to loans0.0305%4,670
Credit loss provision to net charge-offs850.0000%452
Earnings coverage of net charge-offs (x)75.3500%413
Efficiency ratio59.2386%6,091
Assets per employee ($millions)4.5423%2,814
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.4040%4,650
Loan loss allowance to noncurrent loans558.2467%586
Noncurrent assets plus other real estate owned to assets0.3482%6,336
Noncurrent loans to loans0.2515%6,483
Net loans and leases to total assets75.4349%1,121
Net loans and leases to deposits91.9598%1,025
Net loans and leases to core deposits104.2273%1,048
Total domestic deposits to total assets82.0304%5,305
Equity capital to assets11.4865%2,286
Core capital (leverage) ratio10.5332%2,578
Tier 1 risk-based capital ratio11.4545%6,140
Total risk-based capital ratio12.6811%6,138
Memoranda:
Average total assets$342,747,0001,916
Average earning assets$317,588,0001,885
Average equity$39,325,5001,687
Average total loans$262,454,5001,660
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4779%2,364
Cost of funding earning assets1.4583%2,904
Net interest margin4.0196%2,927
Noninterest income to average assets0.8013%2,276
Noninterest expense to average assets2.6098%5,375
Loan and lease loss provision to assets0.2525%4,775
Net operating income to assets1.5772%648
Return on assets (ROA)1.5518%747
Pretax return on assets1.6260%1,078
Return on Equity (ROE)13.4205%998
Retained earnings to average equity (ytd only)7.4351%1,167
Net charge-offs to loans0.1440%5,495
Credit loss provision to net charge-offs230.5556%1,277
Earnings coverage of net charge-offs (x)17.3972%1,152
Efficiency ratio57.1486%6,442
Assets per employee ($millions)4.2498%3,292
Cash dividends to net income (ytd only)*44.5991%2,369
Condition Ratios (%)
Loss allowance to loans1.4018%4,498
Loan loss allowance to noncurrent loans449.7506%704
Noncurrent assets plus other real estate owned to assets0.4012%6,266
Noncurrent loans to loans0.3117%6,434
Net loans and leases to total assets75.5669%1,358
Net loans and leases to deposits92.4234%1,219
Net loans and leases to core deposits104.2132%1,299
Total domestic deposits to total assets81.7616%5,257
Equity capital to assets11.4602%2,294
Core capital (leverage) ratio10.1827%2,886
Tier 1 risk-based capital ratio11.5366%5,872
Total risk-based capital ratio12.7681%5,903
Memoranda:
Average total assets$328,722,2001,981
Average earning assets$303,713,8001,957
Average equity$38,009,0001,731
Average total loans$249,916,0001,760
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4900%2,468
Cost of funding earning assets1.5169%2,868
Net interest margin3.9732%3,223
Noninterest income to average assets0.7870%2,301
Noninterest expense to average assets2.6546%5,092
Loan and lease loss provision to assets0.2691%4,430
Net operating income to assets1.4554%1,011
Return on assets (ROA)1.4554%1,087
Pretax return on assets1.5332%1,523
Return on Equity (ROE)12.5581%1,373
Retained earnings to average equity (ytd only)9.0042%1,051
Net charge-offs to loans0.1414%5,166
Credit loss provision to net charge-offs250.9506%1,323
Earnings coverage of net charge-offs (x)16.8060%1,361
Efficiency ratio58.8930%6,122
Assets per employee ($millions)4.2449%3,364
Cash dividends to net income (ytd only)*28.2992%2,619
Condition Ratios (%)
Loss allowance to loans1.3994%4,462
Loan loss allowance to noncurrent loans436.2963%684
Noncurrent assets plus other real estate owned to assets0.4697%6,252
Noncurrent loans to loans0.3208%6,552
Net loans and leases to total assets74.2507%1,748
Net loans and leases to deposits94.0346%1,197
Net loans and leases to core deposits107.4541%1,201
Total domestic deposits to total assets78.9610%6,031
Equity capital to assets11.9458%2,190
Core capital (leverage) ratio10.3663%2,843
Tier 1 risk-based capital ratio12.0482%5,420
Total risk-based capital ratio13.2963%5,390
Memoranda:
Average total assets$326,968,5002,017
Average earning assets$302,017,7502,000
Average equity$37,892,2501,755
Average total loans$248,066,7501,794
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4911%2,557
Cost of funding earning assets1.5469%2,976
Net interest margin3.9442%3,262
Noninterest income to average assets0.7243%2,553
Noninterest expense to average assets2.6368%5,183
Loan and lease loss provision to assets0.1943%4,937
Net operating income to assets1.4609%977
Return on assets (ROA)1.4609%1,039
Pretax return on assets1.5362%1,460
Return on Equity (ROE)12.7416%1,303
Retained earnings to average equity (ytd only)10.4279%761
Net charge-offs to loans0.1444%4,782
Credit loss provision to net charge-offs176.9663%2,213
Earnings coverage of net charge-offs (x)15.7584%1,439
Efficiency ratio59.6836%6,102
Assets per employee ($millions)4.2831%3,246
Cash dividends to net income (ytd only)*18.1588%2,946
Condition Ratios (%)
Loss allowance to loans1.3125%4,841
Loan loss allowance to noncurrent loans238.1091%1,182
Noncurrent assets plus other real estate owned to assets0.6677%5,813
Noncurrent loans to loans0.5512%6,148
Net loans and leases to total assets74.6436%1,778
Net loans and leases to deposits96.7688%981
Net loans and leases to core deposits107.4420%1,346
Total domestic deposits to total assets77.1361%6,471
Equity capital to assets11.6839%2,293
Core capital (leverage) ratio10.3716%2,744
Tier 1 risk-based capital ratio11.9924%5,320
Total risk-based capital ratio13.1876%5,339
Memoranda:
Average total assets$324,175,0002,048
Average earning assets$299,429,6702,031
Average equity$37,169,6701,790
Average total loans$246,578,0001,828
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4895%2,637
Cost of funding earning assets1.5864%3,039
Net interest margin3.9031%3,313
Noninterest income to average assets0.6908%2,660
Noninterest expense to average assets2.9064%4,036
Loan and lease loss provision to assets0.1929%4,570
Net operating income to assets1.1252%1,753
Return on assets (ROA)1.1252%1,833
Pretax return on assets1.1837%2,421
Return on Equity (ROE)9.9101%2,133
Retained earnings to average equity (ytd only)9.9101%1,160
Net charge-offs to loans0.2464%3,469
Credit loss provision to net charge-offs102.6490%3,324
Earnings coverage of net charge-offs (x)7.3245%2,106
Efficiency ratio67.1607%4,884
Assets per employee ($millions)4.0941%3,654
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2801%5,046
Loan loss allowance to noncurrent loans975.4658%348
Noncurrent assets plus other real estate owned to assets0.3679%6,555
Noncurrent loans to loans0.1312%7,075
Net loans and leases to total assets75.8520%1,579
Net loans and leases to deposits95.4491%1,173
Net loans and leases to core deposits103.5092%1,782
Total domestic deposits to total assets79.4685%5,963
Equity capital to assets11.6190%2,283
Core capital (leverage) ratio10.2266%2,901
Tier 1 risk-based capital ratio11.8412%5,360
Total risk-based capital ratio13.0110%5,379
Memoranda:
Average total assets$321,365,0002,117
Average earning assets$295,764,5002,108
Average equity$36,488,0001,845
Average total loans$245,144,5001,892
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6301%3,443
Cost of funding earning assets1.9600%3,156
Net interest margin3.6701%4,253
Noninterest income to average assets0.7112%2,893
Noninterest expense to average assets2.4929%6,158
Loan and lease loss provision to assets0.2358%5,483
Net operating income to assets1.3037%1,026
Return on assets (ROA)1.3037%1,070
Pretax return on assets1.3591%1,533
Return on Equity (ROE)11.8929%1,190
Retained earnings to average equity (ytd only)6.9700%969
Net charge-offs to loans0.2891%4,824
Credit loss provision to net charge-offs108.7591%5,085
Earnings coverage of net charge-offs (x)7.3562%2,170
Efficiency ratio60.2323%6,451
Assets per employee ($millions)3.8963%4,030
Cash dividends to net income (ytd only)*41.3935%2,859
Condition Ratios (%)
Loss allowance to loans1.2808%4,868
Loan loss allowance to noncurrent loans230.3231%1,296
Noncurrent assets plus other real estate owned to assets0.6051%5,944
Noncurrent loans to loans0.5561%6,132
Net loans and leases to total assets74.7658%2,084
Net loans and leases to deposits94.6655%1,506
Net loans and leases to core deposits110.1952%2,875
Total domestic deposits to total assets78.9790%5,986
Equity capital to assets11.0925%2,630
Core capital (leverage) ratio9.9787%3,113
Tier 1 risk-based capital ratio11.4673%5,430
Total risk-based capital ratio12.6327%5,486
Memoranda:
Average total assets$315,936,2002,126
Average earning assets$290,669,4002,124
Average equity$34,634,2001,941
Average total loans$236,902,6001,978
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6426%3,618
Cost of funding earning assets2.0320%3,207
Net interest margin3.6106%4,440
Noninterest income to average assets0.7811%2,540
Noninterest expense to average assets2.6460%5,539
Loan and lease loss provision to assets0.1278%6,072
Net operating income to assets1.2680%1,295
Return on assets (ROA)1.2680%1,367
Pretax return on assets1.3338%1,865
Return on Equity (ROE)11.6026%1,468
Retained earnings to average equity (ytd only)10.6121%529
Net charge-offs to loans0.1657%5,062
Credit loss provision to net charge-offs103.0822%4,939
Earnings coverage of net charge-offs (x)11.7912%1,822
Efficiency ratio63.6833%5,812
Assets per employee ($millions)3.7831%4,217
Cash dividends to net income (ytd only)*8.5369%3,555
Condition Ratios (%)
Loss allowance to loans1.3044%4,479
Loan loss allowance to noncurrent loans150.5366%1,888
Noncurrent assets plus other real estate owned to assets0.6529%5,828
Noncurrent loans to loans0.8665%5,559
Net loans and leases to total assets74.3662%2,426
Net loans and leases to deposits94.1272%1,867
Net loans and leases to core deposits109.7328%3,268
Total domestic deposits to total assets79.0060%5,801
Equity capital to assets11.5935%2,511
Core capital (leverage) ratio10.2766%2,998
Tier 1 risk-based capital ratio12.0051%4,973
Total risk-based capital ratio13.1942%4,963
Memoranda:
Average total assets$314,072,5002,151
Average earning assets$289,361,0002,141
Average equity$34,324,7501,983
Average total loans$234,897,5002,020
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6805%3,658
Cost of funding earning assets2.0945%3,296
Net interest margin3.5861%4,424
Noninterest income to average assets0.7609%2,645
Noninterest expense to average assets2.6629%5,503
Loan and lease loss provision to assets0.1490%5,587
Net operating income to assets1.1843%1,522
Return on assets (ROA)1.1843%1,608
Pretax return on assets1.2480%2,172
Return on Equity (ROE)11.0609%1,688
Retained earnings to average equity (ytd only)11.0609%556
Net charge-offs to loans0.1374%4,794
Credit loss provision to net charge-offs145.3416%3,184
Earnings coverage of net charge-offs (x)13.6273%1,723
Efficiency ratio64.8526%5,750
Assets per employee ($millions)3.7799%4,150
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.3454%4,006
Loan loss allowance to noncurrent loans166.5785%1,782
Noncurrent assets plus other real estate owned to assets0.6346%5,827
Noncurrent loans to loans0.8076%5,615
Net loans and leases to total assets73.6265%2,806
Net loans and leases to deposits92.4907%2,376
Net loans and leases to core deposits109.0193%3,493
Total domestic deposits to total assets79.6042%5,588
Equity capital to assets11.0059%2,916
Core capital (leverage) ratio9.7709%3,554
Tier 1 risk-based capital ratio11.8721%5,024
Total risk-based capital ratio13.1079%4,952
Memoranda:
Average total assets$314,098,3302,176
Average earning assets$288,951,0002,175
Average equity$33,632,0002,020
Average total loans$234,332,6702,050
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6999%3,809
Cost of funding earning assets2.1576%3,379
Net interest margin3.5424%4,558
Noninterest income to average assets0.7318%2,696
Noninterest expense to average assets2.7020%4,995
Loan and lease loss provision to assets0.1795%4,658
Net operating income to assets1.0436%2,152
Return on assets (ROA)1.0436%2,283
Pretax return on assets1.1060%2,968
Return on Equity (ROE)9.8844%2,368
Retained earnings to average equity (ytd only)9.8844%1,224
Net charge-offs to loans0.0597%4,629
Credit loss provision to net charge-offs402.8571%1,292
Earnings coverage of net charge-offs (x)28.8571%1,089
Efficiency ratio66.9965%5,146
Assets per employee ($millions)3.7031%4,334
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.3502%3,799
Loan loss allowance to noncurrent loans259.4132%1,300
Noncurrent assets plus other real estate owned to assets0.4534%6,129
Noncurrent loans to loans0.5205%6,124
Net loans and leases to total assets73.8841%2,785
Net loans and leases to deposits92.7192%2,481
Net loans and leases to core deposits109.8006%3,459
Total domestic deposits to total assets79.6859%5,473
Equity capital to assets10.8188%3,157
Core capital (leverage) ratio9.4837%4,006
Tier 1 risk-based capital ratio11.8075%5,118
Total risk-based capital ratio13.0579%5,031
Memoranda:
Average total assets$314,282,0002,190
Average earning assets$288,845,0002,187
Average equity$33,183,5002,041
Average total loans$234,429,5002,061
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2663%4,151
Cost of funding earning assets2.7884%2,757
Net interest margin3.4779%5,371
Noninterest income to average assets0.7259%2,938
Noninterest expense to average assets2.3971%6,402
Loan and lease loss provision to assets0.1910%4,972
Net operating income to assets1.2854%1,528
Return on assets (ROA)1.2854%1,476
Pretax return on assets1.3472%2,143
Return on Equity (ROE)12.2614%1,533
Retained earnings to average equity (ytd only)7.3955%1,022
Net charge-offs to loans0.2065%4,140
Credit loss provision to net charge-offs125.0535%4,275
Earnings coverage of net charge-offs (x)10.0728%2,580
Efficiency ratio60.0997%6,322
Assets per employee ($millions)3.6917%4,192
Cash dividends to net income (ytd only)*39.6846%3,655
Condition Ratios (%)
Loss allowance to loans1.3200%3,653
Loan loss allowance to noncurrent loans239.2691%1,650
Noncurrent assets plus other real estate owned to assets0.4787%5,783
Noncurrent loans to loans0.5517%5,707
Net loans and leases to total assets73.3074%3,283
Net loans and leases to deposits93.5909%2,837
Net loans and leases to core deposits111.7270%3,593
Total domestic deposits to total assets78.3275%5,603
Equity capital to assets10.2974%3,713
Core capital (leverage) ratio9.2134%4,422
Tier 1 risk-based capital ratio11.2764%5,461
Total risk-based capital ratio12.5001%5,372
Memoranda:
Average total assets$305,825,8002,175
Average earning assets$282,208,4002,159
Average equity$32,060,0002,109
Average total loans$226,145,2002,074