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Farmers and Merchants Trust Company of Chambersburg, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1890%3,496
Cost of funding earning assets0.1174%4,250
Net interest margin3.0716%2,995
Noninterest income to average assets1.1634%781
Noninterest expense to average assets2.6786%1,693
Loan and lease loss provision to assets-0.1263%4,590
Net operating income to assets1.2916%1,620
Return on assets (ROA)1.2981%1,652
Pretax return on assets1.5349%1,610
Return on Equity (ROE)14.5289%1,064
Retained earnings to average equity (ytd only)11.8027%557
Net charge-offs to loans-0.0373%4,195
Credit loss provision to net charge-offs557.0292%759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.6583%2,311
Assets per employee ($millions)6.4254%2,393
Cash dividends to net income (ytd only)*18.7639%3,063
Condition Ratios (%)
Loss allowance to loans1.5041%1,538
Loan loss allowance to noncurrent loans204.0358%2,560
Noncurrent assets plus other real estate owned to assets0.4164%1,573
Noncurrent loans to loans0.7372%1,377
Net loans and leases to total assets55.6310%2,661
Net loans and leases to deposits61.5788%2,931
Net loans and leases to core deposits62.1669%3,147
Total domestic deposits to total assets90.3411%785
Equity capital to assets8.8843%3,733
Core capital (leverage) ratio8.5673%3,855
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5524%1,374
Memoranda:
Average total assets$1,662,687,400629
Average earning assets$1,578,522,800605
Average equity$148,558,600723
Average total loans$1,010,655,000649
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2243%3,558
Cost of funding earning assets0.1195%4,357
Net interest margin3.1048%3,045
Noninterest income to average assets1.2087%778
Noninterest expense to average assets2.6303%1,753
Loan and lease loss provision to assets-0.1549%4,695
Net operating income to assets1.4147%1,495
Return on assets (ROA)1.4210%1,540
Pretax return on assets1.6846%1,444
Return on Equity (ROE)15.8792%973
Retained earnings to average equity (ytd only)13.5554%566
Net charge-offs to loans-0.0628%4,442
Credit loss provision to net charge-offs398.3229%856
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3420%2,484
Assets per employee ($millions)6.1198%2,571
Cash dividends to net income (ytd only)*14.6341%2,794
Condition Ratios (%)
Loss allowance to loans1.5031%1,619
Loan loss allowance to noncurrent loans177.9502%2,697
Noncurrent assets plus other real estate owned to assets0.4986%1,533
Noncurrent loans to loans0.8447%1,351
Net loans and leases to total assets58.1393%2,473
Net loans and leases to deposits64.4420%2,806
Net loans and leases to core deposits64.8466%3,057
Total domestic deposits to total assets90.2196%673
Equity capital to assets8.8498%3,957
Core capital (leverage) ratio8.5706%3,948
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2279%1,562
Memoranda:
Average total assets$1,635,003,500643
Average earning assets$1,550,263,000625
Average equity$146,309,250740
Average total loans$1,012,909,000666
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2464%3,575
Cost of funding earning assets0.1241%4,405
Net interest margin3.1223%2,978
Noninterest income to average assets1.0581%978
Noninterest expense to average assets2.6150%1,818
Loan and lease loss provision to assets-0.2371%4,793
Net operating income to assets1.3721%1,647
Return on assets (ROA)1.3817%1,695
Pretax return on assets1.6522%1,609
Return on Equity (ROE)15.3790%1,071
Retained earnings to average equity (ytd only)11.8370%954
Net charge-offs to loans-0.0329%4,196
Credit loss provision to net charge-offs1,144.5783%435
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0696%2,290
Assets per employee ($millions)6.3747%2,255
Cash dividends to net income (ytd only)*23.0311%2,380
Condition Ratios (%)
Loss allowance to loans1.4986%1,596
Loan loss allowance to noncurrent loans170.6529%2,681
Noncurrent assets plus other real estate owned to assets0.5262%1,577
Noncurrent loans to loans0.8782%1,399
Net loans and leases to total assets59.0210%2,540
Net loans and leases to deposits65.4892%2,867
Net loans and leases to core deposits65.8623%3,121
Total domestic deposits to total assets90.1232%710
Equity capital to assets8.9431%3,839
Core capital (leverage) ratio8.4558%4,019
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2783%1,535
Memoranda:
Average total assets$1,602,704,000648
Average earning assets$1,519,730,000626
Average equity$143,989,000748
Average total loans$1,009,784,667671
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3257%3,391
Cost of funding earning assets0.1308%4,453
Net interest margin3.1948%2,717
Noninterest income to average assets1.0632%1,033
Noninterest expense to average assets2.6819%1,664
Loan and lease loss provision to assets-0.2044%4,814
Net operating income to assets1.3529%1,674
Return on assets (ROA)1.3529%1,765
Pretax return on assets1.6110%1,694
Return on Equity (ROE)15.0224%1,207
Retained earnings to average equity (ytd only)10.6257%1,487
Net charge-offs to loans-0.0581%4,455
Credit loss provision to net charge-offs544.2177%572
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5961%2,289
Assets per employee ($millions)6.0052%2,599
Cash dividends to net income (ytd only)*29.2674%1,736
Condition Ratios (%)
Loss allowance to loans1.6046%1,284
Loan loss allowance to noncurrent loans182.6166%2,517
Noncurrent assets plus other real estate owned to assets0.5532%1,710
Noncurrent loans to loans0.8787%1,537
Net loans and leases to total assets61.9444%2,292
Net loans and leases to deposits68.6435%2,630
Net loans and leases to core deposits69.0515%2,963
Total domestic deposits to total assets90.2407%701
Equity capital to assets8.7109%3,954
Core capital (leverage) ratio8.6533%3,961
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.8890%1,606
Memoranda:
Average total assets$1,565,780,500651
Average earning assets$1,482,651,000635
Average equity$141,016,000758
Average total loans$1,012,391,000671
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8373%3,196
Cost of funding earning assets0.2689%4,298
Net interest margin3.5684%2,251
Noninterest income to average assets0.9536%1,139
Noninterest expense to average assets2.9165%1,641
Loan and lease loss provision to assets0.3303%1,087
Net operating income to assets1.0223%2,207
Return on assets (ROA)1.0243%2,344
Pretax return on assets1.0735%2,804
Return on Equity (ROE)10.7541%1,722
Retained earnings to average equity (ytd only)5.7756%1,916
Net charge-offs to loans-0.0200%4,428
Credit loss provision to net charge-offs-2,335.8586%4,213
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5383%2,291
Assets per employee ($millions)5.6821%2,650
Cash dividends to net income (ytd only)*46.2938%2,038
Condition Ratios (%)
Loss allowance to loans1.6474%1,169
Loan loss allowance to noncurrent loans192.0499%2,405
Noncurrent assets plus other real estate owned to assets0.5698%1,848
Noncurrent loans to loans0.8578%1,648
Net loans and leases to total assets65.3358%2,179
Net loans and leases to deposits72.9103%2,596
Net loans and leases to core deposits73.3815%2,966
Total domestic deposits to total assets89.6113%721
Equity capital to assets9.3135%3,776
Core capital (leverage) ratio8.5380%4,168
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3253%1,735
Memoranda:
Average total assets$1,400,068,800658
Average earning assets$1,320,136,600640
Average equity$133,353,400750
Average total loans$988,950,200649
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8631%3,376
Cost of funding earning assets0.3038%4,300
Net interest margin3.5593%2,394
Noninterest income to average assets0.9801%1,059
Noninterest expense to average assets2.9166%1,663
Loan and lease loss provision to assets0.5220%549
Net operating income to assets0.9167%2,636
Return on assets (ROA)0.9142%2,772
Pretax return on assets0.8915%3,399
Return on Equity (ROE)9.5388%2,192
Retained earnings to average equity (ytd only)4.3683%2,866
Net charge-offs to loans0.0224%2,403
Credit loss provision to net charge-offs3,242.4242%331
Earnings coverage of net charge-offs (x)87.9576%866
Efficiency ratio67.3175%2,278
Assets per employee ($millions)5.2082%3,012
Cash dividends to net income (ytd only)*54.2049%1,314
Condition Ratios (%)
Loss allowance to loans1.6612%963
Loan loss allowance to noncurrent loans180.3091%2,389
Noncurrent assets plus other real estate owned to assets0.6298%1,851
Noncurrent loans to loans0.9213%1,620
Net loans and leases to total assets67.2220%2,357
Net loans and leases to deposits74.8213%2,878
Net loans and leases to core deposits75.3836%3,220
Total domestic deposits to total assets89.8435%484
Equity capital to assets9.1137%4,026
Core capital (leverage) ratio8.6123%4,165
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2531%1,747
Memoranda:
Average total assets$1,366,544,250657
Average earning assets$1,287,138,500642
Average equity$130,970,750751
Average total loans$981,400,250642
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9910%3,350
Cost of funding earning assets0.3623%4,213
Net interest margin3.6287%2,385
Noninterest income to average assets1.0525%897
Noninterest expense to average assets3.0070%1,560
Loan and lease loss provision to assets0.7546%340
Net operating income to assets0.8315%2,934
Return on assets (ROA)0.8300%3,056
Pretax return on assets0.7001%3,869
Return on Equity (ROE)8.5006%2,557
Retained earnings to average equity (ytd only)2.6300%3,538
Net charge-offs to loans0.0801%1,447
Credit loss provision to net charge-offs1,288.8601%672
Earnings coverage of net charge-offs (x)24.8731%1,566
Efficiency ratio67.3724%2,325
Assets per employee ($millions)4.8881%3,321
Cash dividends to net income (ytd only)*69.0607%968
Condition Ratios (%)
Loss allowance to loans1.6272%944
Loan loss allowance to noncurrent loans397.8611%1,241
Noncurrent assets plus other real estate owned to assets0.2925%3,145
Noncurrent loans to loans0.4090%2,939
Net loans and leases to total assets70.3605%1,974
Net loans and leases to deposits78.5656%2,592
Net loans and leases to core deposits79.1923%3,011
Total domestic deposits to total assets89.5564%549
Equity capital to assets9.3474%3,783
Core capital (leverage) ratio9.0474%3,855
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.6380%1,588
Memoranda:
Average total assets$1,318,600,667661
Average earning assets$1,239,387,000648
Average equity$128,744,000760
Average total loans$964,381,667642
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1389%3,405
Cost of funding earning assets0.4757%4,043
Net interest margin3.6632%2,456
Noninterest income to average assets1.3105%522
Noninterest expense to average assets3.1231%1,580
Loan and lease loss provision to assets0.9474%232
Net operating income to assets0.6698%3,370
Return on assets (ROA)0.6666%3,450
Pretax return on assets0.6729%3,767
Return on Equity (ROE)6.6680%3,077
Retained earnings to average equity (ytd only)-1.1529%4,161
Net charge-offs to loans0.1007%1,078
Credit loss provision to net charge-offs1,271.1864%483
Earnings coverage of net charge-offs (x)21.7839%1,381
Efficiency ratio65.7974%2,996
Assets per employee ($millions)4.4135%3,392
Cash dividends to net income (ytd only)*117.2904%621
Condition Ratios (%)
Loss allowance to loans1.5685%1,152
Loan loss allowance to noncurrent loans397.6782%1,192
Noncurrent assets plus other real estate owned to assets0.2934%3,278
Noncurrent loans to loans0.3944%3,071
Net loans and leases to total assets73.2335%1,741
Net loans and leases to deposits82.6901%2,360
Net loans and leases to core deposits83.4656%2,893
Total domestic deposits to total assets88.5637%854
Equity capital to assets10.0824%3,703
Core capital (leverage) ratio9.7057%3,763
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7772%1,664
Memoranda:
Average total assets$1,266,680,000657
Average earning assets$1,188,137,000646
Average equity$126,635,500762
Average total loans$937,876,000637
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3622%3,359
Cost of funding earning assets0.6087%3,604
Net interest margin3.7535%2,652
Noninterest income to average assets1.1812%677
Noninterest expense to average assets3.0831%1,800
Loan and lease loss provision to assets0.0190%3,637
Net operating income to assets1.2921%1,724
Return on assets (ROA)1.3087%1,735
Pretax return on assets1.6085%1,463
Return on Equity (ROE)13.3686%1,056
Retained earnings to average equity (ytd only)6.2504%1,740
Net charge-offs to loans0.0713%2,080
Credit loss provision to net charge-offs34.5481%3,242
Earnings coverage of net charge-offs (x)29.2799%1,606
Efficiency ratio65.7370%2,813
Assets per employee ($millions)4.4915%3,232
Cash dividends to net income (ytd only)*53.2461%1,874
Condition Ratios (%)
Loss allowance to loans1.2776%2,035
Loan loss allowance to noncurrent loans306.4277%1,492
Noncurrent assets plus other real estate owned to assets0.3072%3,199
Noncurrent loans to loans0.4169%2,952
Net loans and leases to total assets72.7448%1,957
Net loans and leases to deposits82.1451%2,544
Net loans and leases to core deposits82.9967%3,040
Total domestic deposits to total assets88.5565%858
Equity capital to assets9.9131%3,997
Core capital (leverage) ratio9.5913%3,972
Tier 1 risk-based capital ratio14.6169%2,953
Total risk-based capital ratio15.8725%2,856
Memoranda:
Average total assets$1,249,929,800634
Average earning assets$1,168,496,200621
Average equity$122,361,000747
Average total loans$962,612,400598
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3945%3,374
Cost of funding earning assets0.6169%3,602
Net interest margin3.7776%2,663
Noninterest income to average assets1.0575%823
Noninterest expense to average assets3.0125%1,944
Loan and lease loss provision to assets0.0254%3,389
Net operating income to assets1.2405%2,050
Return on assets (ROA)1.2624%2,056
Pretax return on assets1.5752%1,717
Return on Equity (ROE)12.9378%1,299
Retained earnings to average equity (ytd only)4.4736%3,159
Net charge-offs to loans0.0647%1,895
Credit loss provision to net charge-offs50.4255%2,787
Earnings coverage of net charge-offs (x)31.2469%1,587
Efficiency ratio65.6933%2,769
Assets per employee ($millions)4.6510%2,967
Cash dividends to net income (ytd only)*65.4221%1,091
Condition Ratios (%)
Loss allowance to loans1.2971%1,977
Loan loss allowance to noncurrent loans247.4507%1,764
Noncurrent assets plus other real estate owned to assets0.5848%2,249
Noncurrent loans to loans0.5242%2,722
Net loans and leases to total assets71.1804%2,292
Net loans and leases to deposits79.9025%2,908
Net loans and leases to core deposits80.6156%3,342
Total domestic deposits to total assets89.0841%583
Equity capital to assets9.5512%4,419
Core capital (leverage) ratio9.2802%4,393
Tier 1 risk-based capital ratio14.2659%3,191
Total risk-based capital ratio15.5218%3,089
Memoranda:
Average total assets$1,244,640,750639
Average earning assets$1,162,473,500623
Average equity$121,450,250750
Average total loans$969,111,750594
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4022%3,326
Cost of funding earning assets0.6104%3,597
Net interest margin3.7918%2,605
Noninterest income to average assets1.0569%773
Noninterest expense to average assets3.1129%1,694
Loan and lease loss provision to assets0.0651%2,515
Net operating income to assets1.1216%2,438
Return on assets (ROA)1.1542%2,383
Pretax return on assets1.4607%1,989
Return on Equity (ROE)11.7404%1,679
Retained earnings to average equity (ytd only)4.7347%2,895
Net charge-offs to loans0.0533%1,879
Credit loss provision to net charge-offs152.8736%1,464
Earnings coverage of net charge-offs (x)34.8506%1,343
Efficiency ratio67.7092%2,585
Assets per employee ($millions)4.6046%2,998
Cash dividends to net income (ytd only)*59.6719%1,422
Condition Ratios (%)
Loss allowance to loans1.2768%2,110
Loan loss allowance to noncurrent loans221.3152%2,003
Noncurrent assets plus other real estate owned to assets0.6672%2,052
Noncurrent loans to loans0.5769%2,531
Net loans and leases to total assets77.4962%1,315
Net loans and leases to deposits87.1954%2,104
Net loans and leases to core deposits87.8673%2,812
Total domestic deposits to total assets88.8765%716
Equity capital to assets9.7964%4,142
Core capital (leverage) ratio9.5219%4,120
Tier 1 risk-based capital ratio13.7686%3,442
Total risk-based capital ratio15.0245%3,329
Memoranda:
Average total assets$1,225,430,670645
Average earning assets$1,144,197,000635
Average equity$120,472,670744
Average total loans$979,101,000587
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3675%3,350
Cost of funding earning assets0.5864%3,646
Net interest margin3.7811%2,597
Noninterest income to average assets1.0212%758
Noninterest expense to average assets3.1088%1,715
Loan and lease loss provision to assets0.1317%1,324
Net operating income to assets1.1433%2,300
Return on assets (ROA)1.1502%2,317
Pretax return on assets1.3196%2,378
Return on Equity (ROE)11.6788%1,662
Retained earnings to average equity (ytd only)5.6970%2,594
Net charge-offs to loans0.0544%1,507
Credit loss provision to net charge-offs300.0000%819
Earnings coverage of net charge-offs (x)32.8797%1,275
Efficiency ratio68.2932%2,599
Assets per employee ($millions)4.5628%3,098
Cash dividends to net income (ytd only)*51.2195%1,594
Condition Ratios (%)
Loss allowance to loans1.2931%2,123
Loan loss allowance to noncurrent loans217.2520%2,056
Noncurrent assets plus other real estate owned to assets0.7021%2,005
Noncurrent loans to loans0.5952%2,555
Net loans and leases to total assets79.7550%871
Net loans and leases to deposits89.8976%1,647
Net loans and leases to core deposits91.4199%2,354
Total domestic deposits to total assets88.7176%990
Equity capital to assets9.9499%3,872
Core capital (leverage) ratio9.8170%3,798
Tier 1 risk-based capital ratio13.6909%3,499
Total risk-based capital ratio14.9471%3,411
Memoranda:
Average total assets$1,211,924,000657
Average earning assets$1,131,731,500646
Average equity$119,361,500748
Average total loans$977,077,000589
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1737%3,514
Cost of funding earning assets0.3795%4,109
Net interest margin3.7942%2,677
Noninterest income to average assets1.0363%876
Noninterest expense to average assets3.1532%1,667
Loan and lease loss provision to assets0.8393%117
Net operating income to assets0.5931%4,433
Return on assets (ROA)0.5978%4,434
Pretax return on assets0.6014%4,626
Return on Equity (ROE)6.1944%4,112
Retained earnings to average equity (ytd only)3.3471%3,739
Net charge-offs to loans0.9720%153
Credit loss provision to net charge-offs106.6767%2,398
Earnings coverage of net charge-offs (x)1.8251%3,587
Efficiency ratio68.7098%2,432
Assets per employee ($millions)4.6366%2,977
Cash dividends to net income (ytd only)*45.9661%2,187
Condition Ratios (%)
Loss allowance to loans1.2753%2,164
Loan loss allowance to noncurrent loans467.2563%1,163
Noncurrent assets plus other real estate owned to assets0.4413%2,801
Noncurrent loans to loans0.2729%3,598
Net loans and leases to total assets79.4177%1,035
Net loans and leases to deposits88.7602%1,957
Net loans and leases to core deposits89.2160%2,628
Total domestic deposits to total assets89.4744%672
Equity capital to assets9.7477%3,907
Core capital (leverage) ratio9.6761%3,923
Tier 1 risk-based capital ratio13.8004%3,385
Total risk-based capital ratio15.0567%3,311
Memoranda:
Average total assets$1,185,966,800645
Average earning assets$1,110,524,600639
Average equity$114,458,000746
Average total loans$960,019,000579
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1114%3,597
Cost of funding earning assets0.3462%4,204
Net interest margin3.7652%2,773
Noninterest income to average assets1.0432%872
Noninterest expense to average assets3.2068%1,504
Loan and lease loss provision to assets1.0824%74
Net operating income to assets0.3400%5,043
Return on assets (ROA)0.3463%5,033
Pretax return on assets0.2874%5,148
Return on Equity (ROE)3.5979%4,906
Retained earnings to average equity (ytd only)0.9461%4,867
Net charge-offs to loans1.2327%106
Credit loss provision to net charge-offs108.2985%2,133
Earnings coverage of net charge-offs (x)1.3642%3,354
Efficiency ratio70.1669%2,164
Assets per employee ($millions)4.5439%3,051
Cash dividends to net income (ytd only)*73.7031%735
Condition Ratios (%)
Loss allowance to loans1.2886%2,150
Loan loss allowance to noncurrent loans221.0731%2,090
Noncurrent assets plus other real estate owned to assets0.6971%2,112
Noncurrent loans to loans0.5829%2,629
Net loans and leases to total assets80.2923%972
Net loans and leases to deposits89.4997%1,960
Net loans and leases to core deposits90.2932%2,635
Total domestic deposits to total assets89.7124%594
Equity capital to assets9.4999%4,079
Core capital (leverage) ratio9.4800%4,199
Tier 1 risk-based capital ratio13.4227%3,670
Total risk-based capital ratio14.6790%3,586
Memoranda:
Average total assets$1,179,919,500646
Average earning assets$1,105,279,750639
Average equity$113,582,000751
Average total loans$956,650,500578
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0449%3,630
Cost of funding earning assets0.3174%4,289
Net interest margin3.7275%2,835
Noninterest income to average assets1.0442%884
Noninterest expense to average assets3.3701%1,181
Loan and lease loss provision to assets1.5881%43
Net operating income to assets-0.2076%5,397
Return on assets (ROA)-0.2007%5,392
Pretax return on assets-0.4092%5,420
Return on Equity (ROE)-2.0757%5,400
Retained earnings to average equity (ytd only)-5.1127%5,299
Net charge-offs to loans1.8158%61
Credit loss provision to net charge-offs107.9870%1,917
Earnings coverage of net charge-offs (x)0.7957%3,102
Efficiency ratio74.2267%1,676
Assets per employee ($millions)4.5172%3,105
Cash dividends to net income (ytd only)*-146.3104%5,529
Condition Ratios (%)
Loss allowance to loans1.2898%2,216
Loan loss allowance to noncurrent loans216.9651%2,134
Noncurrent assets plus other real estate owned to assets0.7167%2,086
Noncurrent loans to loans0.5945%2,638
Net loans and leases to total assets81.3359%804
Net loans and leases to deposits90.2636%1,802
Net loans and leases to core deposits91.0726%2,477
Total domestic deposits to total assets90.1094%532
Equity capital to assets9.3936%4,193
Core capital (leverage) ratio9.2430%4,422
Tier 1 risk-based capital ratio13.1348%3,829
Total risk-based capital ratio14.3915%3,738
Memoranda:
Average total assets$1,174,877,670652
Average earning assets$1,101,917,330639
Average equity$113,600,000750
Average total loans$951,515,670584
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9395%3,816
Cost of funding earning assets0.2888%4,426
Net interest margin3.6507%2,986
Noninterest income to average assets1.0280%860
Noninterest expense to average assets2.9431%2,217
Loan and lease loss provision to assets0.0681%2,403
Net operating income to assets1.2568%1,784
Return on assets (ROA)1.2568%1,795
Pretax return on assets1.4382%1,870
Return on Equity (ROE)12.8153%1,316
Retained earnings to average equity (ytd only)9.1880%1,400
Net charge-offs to loans0.0013%2,693
Credit loss provision to net charge-offs6,666.6667%46
Earnings coverage of net charge-offs (x)1,475.0000%37
Efficiency ratio66.1464%3,135
Assets per employee ($millions)4.6408%2,942
Cash dividends to net income (ytd only)*28.3044%2,200
Condition Ratios (%)
Loss allowance to loans1.2718%2,390
Loan loss allowance to noncurrent loans446.0193%1,212
Noncurrent assets plus other real estate owned to assets0.4515%3,039
Noncurrent loans to loans0.2852%3,750
Net loans and leases to total assets79.5798%999
Net loans and leases to deposits89.8989%1,706
Net loans and leases to core deposits106.5395%1,199
Total domestic deposits to total assets88.5214%1,344
Equity capital to assets9.9317%3,665
Core capital (leverage) ratio9.8561%3,702
Tier 1 risk-based capital ratio14.1582%3,300
Total risk-based capital ratio15.4111%3,220
Memoranda:
Average total assets$1,175,079,000658
Average earning assets$1,101,268,000644
Average equity$115,237,000740
Average total loans$943,397,500590
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8440%3,903
Cost of funding earning assets0.2314%4,720
Net interest margin3.6126%3,125
Noninterest income to average assets1.0311%961
Noninterest expense to average assets3.7608%732
Loan and lease loss provision to assets0.0583%3,066
Net operating income to assets0.2554%5,013
Return on assets (ROA)0.2555%5,027
Pretax return on assets0.5962%4,748
Return on Equity (ROE)2.4663%4,961
Retained earnings to average equity (ytd only)-0.2437%5,070
Net charge-offs to loans-0.0052%4,647
Credit loss provision to net charge-offs-1,425.5319%5,114
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.1804%691
Assets per employee ($millions)4.6301%2,981
Cash dividends to net income (ytd only)*109.8807%259
Condition Ratios (%)
Loss allowance to loans1.2490%2,480
Loan loss allowance to noncurrent loans440.8224%1,229
Noncurrent assets plus other real estate owned to assets0.4466%3,081
Noncurrent loans to loans0.2833%3,767
Net loans and leases to total assets78.9669%1,127
Net loans and leases to deposits89.0111%1,893
Net loans and leases to core deposits105.4606%1,306
Total domestic deposits to total assets88.7158%1,136
Equity capital to assets9.6829%4,051
Core capital (leverage) ratio9.6446%3,872
Tier 1 risk-based capital ratio13.9332%3,398
Total risk-based capital ratio15.1860%3,310
Memoranda:
Average total assets$1,148,560,200647
Average earning assets$1,075,879,000632
Average equity$119,003,200693
Average total loans$911,347,000583
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8247%3,921
Cost of funding earning assets0.2244%4,777
Net interest margin3.6004%3,149
Noninterest income to average assets1.0243%973
Noninterest expense to average assets2.8501%2,564
Loan and lease loss provision to assets0.0491%3,112
Net operating income to assets1.1770%1,788
Return on assets (ROA)1.1773%1,829
Pretax return on assets1.5000%1,768
Return on Equity (ROE)11.1736%1,618
Retained earnings to average equity (ytd only)8.7050%946
Net charge-offs to loans-0.0071%4,539
Credit loss provision to net charge-offs-875.0000%4,925
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7922%3,404
Assets per employee ($millions)4.5026%3,142
Cash dividends to net income (ytd only)*22.0931%3,058
Condition Ratios (%)
Loss allowance to loans1.2657%2,546
Loan loss allowance to noncurrent loans369.3760%1,360
Noncurrent assets plus other real estate owned to assets0.4934%3,085
Noncurrent loans to loans0.3427%3,715
Net loans and leases to total assets77.2112%1,395
Net loans and leases to deposits87.1267%2,167
Net loans and leases to core deposits104.3096%1,371
Total domestic deposits to total assets88.6195%1,058
Equity capital to assets10.6491%3,216
Core capital (leverage) ratio10.3378%3,154
Tier 1 risk-based capital ratio15.5597%2,685
Total risk-based capital ratio16.8237%2,621
Memoranda:
Average total assets$1,140,529,000656
Average earning assets$1,068,978,500637
Average equity$120,172,750686
Average total loans$903,148,250590
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8198%3,828
Cost of funding earning assets0.2209%4,795
Net interest margin3.5989%3,048
Noninterest income to average assets1.0355%949
Noninterest expense to average assets2.8370%2,629
Loan and lease loss provision to assets0.0300%3,400
Net operating income to assets1.2015%1,594
Return on assets (ROA)1.2018%1,627
Pretax return on assets1.5398%1,527
Return on Equity (ROE)11.4478%1,478
Retained earnings to average equity (ytd only)9.4619%720
Net charge-offs to loans-0.0138%4,640
Credit loss provision to net charge-offs-274.1935%4,533
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3825%3,610
Assets per employee ($millions)4.5592%3,017
Cash dividends to net income (ytd only)*17.3478%3,214
Condition Ratios (%)
Loss allowance to loans1.2532%2,669
Loan loss allowance to noncurrent loans361.7083%1,355
Noncurrent assets plus other real estate owned to assets0.5498%2,930
Noncurrent loans to loans0.3465%3,794
Net loans and leases to total assets78.4812%1,167
Net loans and leases to deposits88.4157%1,933
Net loans and leases to core deposits106.6336%1,183
Total domestic deposits to total assets88.7639%1,071
Equity capital to assets10.7492%3,079
Core capital (leverage) ratio10.3460%3,080
Tier 1 risk-based capital ratio15.4591%2,721
Total risk-based capital ratio16.7236%2,651
Memoranda:
Average total assets$1,131,983,000659
Average earning assets$1,060,275,670641
Average equity$118,835,000696
Average total loans$900,212,670593
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7217%4,044
Cost of funding earning assets0.2198%4,806
Net interest margin3.5019%3,268
Noninterest income to average assets1.0163%972
Noninterest expense to average assets2.8026%2,780
Loan and lease loss provision to assets0.0425%2,951
Net operating income to assets1.1361%1,726
Return on assets (ROA)1.1366%1,760
Pretax return on assets1.4473%1,704
Return on Equity (ROE)10.9589%1,583
Retained earnings to average equity (ytd only)9.2529%998
Net charge-offs to loans-0.0369%5,034
Credit loss provision to net charge-offs-144.5783%4,001
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3034%3,615
Assets per employee ($millions)4.5283%3,119
Cash dividends to net income (ytd only)*15.5666%2,604
Condition Ratios (%)
Loss allowance to loans1.2476%2,844
Loan loss allowance to noncurrent loans214.2884%2,135
Noncurrent assets plus other real estate owned to assets0.7400%2,450
Noncurrent loans to loans0.5822%3,066
Net loans and leases to total assets78.8543%1,004
Net loans and leases to deposits88.6439%1,716
Net loans and leases to core deposits105.4469%1,141
Total domestic deposits to total assets88.9563%1,162
Equity capital to assets10.4890%3,197
Core capital (leverage) ratio10.2458%3,202
Tier 1 risk-based capital ratio14.9127%3,008
Total risk-based capital ratio16.1751%2,929
Memoranda:
Average total assets$1,130,360,000667
Average earning assets$1,057,256,500646
Average equity$117,238,500702
Average total loans$899,195,000596
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8054%3,897
Cost of funding earning assets0.2221%4,815
Net interest margin3.5833%3,127
Noninterest income to average assets0.9434%1,285
Noninterest expense to average assets2.9748%2,423
Loan and lease loss provision to assets0.3476%492
Net operating income to assets0.8079%3,271
Return on assets (ROA)0.8065%3,380
Pretax return on assets0.9541%3,638
Return on Equity (ROE)7.6285%3,153
Retained earnings to average equity (ytd only)4.1392%2,961
Net charge-offs to loans0.3344%825
Credit loss provision to net charge-offs135.4989%2,004
Earnings coverage of net charge-offs (x)5.0804%3,392
Efficiency ratio69.5338%2,988
Assets per employee ($millions)4.5694%3,017
Cash dividends to net income (ytd only)*45.7410%2,546
Condition Ratios (%)
Loss allowance to loans1.2382%2,886
Loan loss allowance to noncurrent loans203.5471%2,219
Noncurrent assets plus other real estate owned to assets0.9176%2,070
Noncurrent loans to loans0.6083%3,026
Net loans and leases to total assets78.2661%1,165
Net loans and leases to deposits89.8638%1,701
Net loans and leases to core deposits106.1345%1,121
Total domestic deposits to total assets87.0941%2,087
Equity capital to assets10.2543%3,445
Core capital (leverage) ratio10.0233%3,459
Tier 1 risk-based capital ratio14.2860%3,291
Total risk-based capital ratio15.5455%3,219
Memoranda:
Average total assets$1,085,937,800662
Average earning assets$1,010,617,400656
Average equity$114,805,600700
Average total loans$833,220,600607
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7987%3,924
Cost of funding earning assets0.2208%4,877
Net interest margin3.5778%3,167
Noninterest income to average assets1.0520%1,024
Noninterest expense to average assets2.9323%2,534
Loan and lease loss provision to assets0.4123%346
Net operating income to assets0.8574%3,111
Return on assets (ROA)0.8547%3,258
Pretax return on assets1.0314%3,512
Return on Equity (ROE)8.0214%2,988
Retained earnings to average equity (ytd only)4.5233%3,118
Net charge-offs to loans0.4444%479
Credit loss provision to net charge-offs121.9736%2,065
Earnings coverage of net charge-offs (x)4.2806%3,291
Efficiency ratio66.9593%3,431
Assets per employee ($millions)4.5800%2,954
Cash dividends to net income (ytd only)*43.6094%2,196
Condition Ratios (%)
Loss allowance to loans1.2440%2,993
Loan loss allowance to noncurrent loans180.0034%2,428
Noncurrent assets plus other real estate owned to assets1.0654%1,931
Noncurrent loans to loans0.6911%2,959
Net loans and leases to total assets76.5330%1,434
Net loans and leases to deposits86.6389%2,194
Net loans and leases to core deposits103.8843%1,350
Total domestic deposits to total assets88.3356%1,222
Equity capital to assets10.5142%3,548
Core capital (leverage) ratio10.0260%3,541
Tier 1 risk-based capital ratio14.5328%3,274
Total risk-based capital ratio15.7899%3,204
Memoranda:
Average total assets$1,075,263,750666
Average earning assets$999,943,000663
Average equity$114,573,750702
Average total loans$817,922,500619
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8156%3,899
Cost of funding earning assets0.2211%4,924
Net interest margin3.5945%3,119
Noninterest income to average assets1.0595%997
Noninterest expense to average assets2.9277%2,591
Loan and lease loss provision to assets0.4087%371
Net operating income to assets0.8746%2,987
Return on assets (ROA)0.8720%3,104
Pretax return on assets1.0592%3,367
Return on Equity (ROE)8.1461%2,915
Retained earnings to average equity (ytd only)5.0720%2,685
Net charge-offs to loans0.4832%456
Credit loss provision to net charge-offs111.9403%1,945
Earnings coverage of net charge-offs (x)4.0288%3,026
Efficiency ratio66.5570%3,595
Assets per employee ($millions)4.3757%3,258
Cash dividends to net income (ytd only)*37.7371%2,525
Condition Ratios (%)
Loss allowance to loans1.2474%3,088
Loan loss allowance to noncurrent loans124.6587%3,255
Noncurrent assets plus other real estate owned to assets1.3335%1,503
Noncurrent loans to loans1.0007%2,287
Net loans and leases to total assets75.2709%1,597
Net loans and leases to deposits84.5553%2,401
Net loans and leases to core deposits102.6092%1,428
Total domestic deposits to total assets89.0198%910
Equity capital to assets10.6644%3,449
Core capital (leverage) ratio10.1685%3,368
Tier 1 risk-based capital ratio14.5911%3,263
Total risk-based capital ratio15.8473%3,198
Memoranda:
Average total assets$1,064,233,000676
Average earning assets$988,667,670670
Average equity$113,920,000708
Average total loans$804,249,000622
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8931%3,613
Cost of funding earning assets0.2236%4,964
Net interest margin3.6695%2,804
Noninterest income to average assets1.0765%932
Noninterest expense to average assets2.9722%2,474
Loan and lease loss provision to assets0.1139%1,838
Net operating income to assets1.0997%1,901
Return on assets (ROA)1.0940%2,024
Pretax return on assets1.3844%1,946
Return on Equity (ROE)10.2003%1,902
Retained earnings to average equity (ytd only)8.4307%1,289
Net charge-offs to loans0.0222%2,487
Credit loss provision to net charge-offs681.8182%491
Earnings coverage of net charge-offs (x)90.1364%580
Efficiency ratio66.3784%3,739
Assets per employee ($millions)4.5002%3,067
Cash dividends to net income (ytd only)*17.3491%2,593
Condition Ratios (%)
Loss allowance to loans1.2877%2,974
Loan loss allowance to noncurrent loans99.8359%3,637
Noncurrent assets plus other real estate owned to assets1.5583%1,288
Noncurrent loans to loans1.2898%1,871
Net loans and leases to total assets74.0191%1,725
Net loans and leases to deposits83.3580%2,385
Net loans and leases to core deposits100.0685%1,480
Total domestic deposits to total assets88.7967%1,210
Equity capital to assets10.6958%3,265
Core capital (leverage) ratio10.3907%3,084
Tier 1 risk-based capital ratio14.6515%3,310
Total risk-based capital ratio15.9076%3,252
Memoranda:
Average total assets$1,053,759,500678
Average earning assets$976,693,500677
Average equity$113,016,000709
Average total loans$792,802,000624
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8247%3,965
Cost of funding earning assets0.2504%4,781
Net interest margin3.5743%3,229
Noninterest income to average assets1.0743%1,021
Noninterest expense to average assets3.0245%2,464
Loan and lease loss provision to assets0.1255%1,919
Net operating income to assets0.9880%2,427
Return on assets (ROA)1.0439%2,239
Pretax return on assets1.2976%2,298
Return on Equity (ROE)10.0035%2,008
Retained earnings to average equity (ytd only)9.7228%500
Net charge-offs to loans0.0415%3,389
Credit loss provision to net charge-offs414.5161%740
Earnings coverage of net charge-offs (x)44.7032%1,083
Efficiency ratio68.6853%3,452
Assets per employee ($millions)4.1459%3,666
Cash dividends to net income (ytd only)*2.8061%4,215
Condition Ratios (%)
Loss allowance to loans1.2890%2,969
Loan loss allowance to noncurrent loans175.7755%2,492
Noncurrent assets plus other real estate owned to assets1.1760%1,850
Noncurrent loans to loans0.7333%2,981
Net loans and leases to total assets74.5217%1,642
Net loans and leases to deposits84.0637%2,353
Net loans and leases to core deposits98.2930%1,647
Total domestic deposits to total assets88.6490%1,308
Equity capital to assets10.7552%3,070
Core capital (leverage) ratio10.3721%3,084
Tier 1 risk-based capital ratio14.7638%3,296
Total risk-based capital ratio16.0200%3,227
Memoranda:
Average total assets$1,024,111,600670
Average earning assets$946,490,400669
Average equity$106,872,800724
Average total loans$747,705,600628
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8157%4,039
Cost of funding earning assets0.2561%4,806
Net interest margin3.5596%3,306
Noninterest income to average assets1.0818%1,027
Noninterest expense to average assets2.9948%2,543
Loan and lease loss provision to assets0.1352%1,658
Net operating income to assets0.9974%2,483
Return on assets (ROA)1.0722%2,218
Pretax return on assets1.3378%2,254
Return on Equity (ROE)10.3552%1,946
Retained earnings to average equity (ytd only)10.3552%578
Net charge-offs to loans0.0493%2,910
Credit loss provision to net charge-offs379.1209%794
Earnings coverage of net charge-offs (x)38.6961%1,280
Efficiency ratio67.9235%3,557
Assets per employee ($millions)4.1642%3,593
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.2805%3,203
Loan loss allowance to noncurrent loans160.1980%2,681
Noncurrent assets plus other real estate owned to assets1.2509%1,873
Noncurrent loans to loans0.7993%2,963
Net loans and leases to total assets73.4104%1,835
Net loans and leases to deposits82.9069%2,541
Net loans and leases to core deposits98.2712%1,672
Total domestic deposits to total assets88.5456%1,274
Equity capital to assets10.6029%3,471
Core capital (leverage) ratio10.1678%3,416
Tier 1 risk-based capital ratio14.4026%3,628
Total risk-based capital ratio15.6584%3,541
Memoranda:
Average total assets$1,021,023,250678
Average earning assets$944,417,500675
Average equity$105,722,500736
Average total loans$739,012,750636
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7932%4,089
Cost of funding earning assets0.2680%4,739
Net interest margin3.5252%3,390
Noninterest income to average assets1.1214%959
Noninterest expense to average assets2.9919%2,577
Loan and lease loss provision to assets0.1250%1,769
Net operating income to assets0.9872%2,456
Return on assets (ROA)1.0971%2,057
Pretax return on assets1.4086%1,946
Return on Equity (ROE)10.6828%1,785
Retained earnings to average equity (ytd only)10.6828%550
Net charge-offs to loans0.0813%2,239
Credit loss provision to net charge-offs214.5270%1,158
Earnings coverage of net charge-offs (x)23.8953%1,591
Efficiency ratio67.4241%3,762
Assets per employee ($millions)4.1314%3,613
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.2858%3,322
Loan loss allowance to noncurrent loans99.3169%3,731
Noncurrent assets plus other real estate owned to assets1.3155%1,908
Noncurrent loans to loans1.2946%2,079
Net loans and leases to total assets70.5255%2,239
Net loans and leases to deposits79.1307%2,892
Net loans and leases to core deposits95.5579%1,838
Total domestic deposits to total assets89.1253%1,079
Equity capital to assets10.3600%3,604
Core capital (leverage) ratio9.9611%3,663
Tier 1 risk-based capital ratio14.3881%3,706
Total risk-based capital ratio15.6442%3,619
Memoranda:
Average total assets$1,015,737,670686
Average earning assets$940,267,670681
Average equity$104,317,000747
Average total loans$728,333,330643
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7900%4,053
Cost of funding earning assets0.2749%4,727
Net interest margin3.5152%3,373
Noninterest income to average assets1.0864%959
Noninterest expense to average assets2.9963%2,595
Loan and lease loss provision to assets0.1288%1,611
Net operating income to assets0.9365%2,576
Return on assets (ROA)1.1525%1,796
Pretax return on assets1.4906%1,595
Return on Equity (ROE)11.2727%1,562
Retained earnings to average equity (ytd only)11.2727%678
Net charge-offs to loans0.1247%1,513
Credit loss provision to net charge-offs143.8053%1,286
Earnings coverage of net charge-offs (x)14.9469%1,650
Efficiency ratio68.2940%3,770
Assets per employee ($millions)4.9439%2,428
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2737%3,558
Loan loss allowance to noncurrent loans79.9340%4,171
Noncurrent assets plus other real estate owned to assets1.5259%1,708
Noncurrent loans to loans1.5934%1,757
Net loans and leases to total assets70.0979%2,127
Net loans and leases to deposits78.7841%2,706
Net loans and leases to core deposits93.4752%1,811
Total domestic deposits to total assets88.9747%1,291
Equity capital to assets10.2776%3,796
Core capital (leverage) ratio9.9407%3,675
Tier 1 risk-based capital ratio14.0283%3,984
Total risk-based capital ratio15.2815%3,909
Memoranda:
Average total assets$1,009,241,500687
Average earning assets$932,761,000685
Average equity$103,187,500750
Average total loans$725,016,500643
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9146%4,073
Cost of funding earning assets0.3414%4,348
Net interest margin3.5732%3,505
Noninterest income to average assets0.9761%1,267
Noninterest expense to average assets3.1157%2,469
Loan and lease loss provision to assets0.0757%2,960
Net operating income to assets0.8639%3,045
Return on assets (ROA)0.8781%3,068
Pretax return on assets1.1008%3,081
Return on Equity (ROE)9.1614%2,507
Retained earnings to average equity (ytd only)7.9713%1,026
Net charge-offs to loans0.1860%2,184
Credit loss provision to net charge-offs56.3838%3,352
Earnings coverage of net charge-offs (x)8.6288%2,849
Efficiency ratio71.6902%3,256
Assets per employee ($millions)3.7596%4,427
Cash dividends to net income (ytd only)*12.9910%4,041
Condition Ratios (%)
Loss allowance to loans1.2534%3,706
Loan loss allowance to noncurrent loans72.2350%4,449
Noncurrent assets plus other real estate owned to assets1.6278%1,658
Noncurrent loans to loans1.7351%1,669
Net loans and leases to total assets71.7776%1,940
Net loans and leases to deposits81.4209%2,552
Net loans and leases to core deposits97.4131%1,599
Total domestic deposits to total assets88.1562%1,681
Equity capital to assets10.1699%3,894
Core capital (leverage) ratio9.5517%4,170
Tier 1 risk-based capital ratio13.9578%4,120
Total risk-based capital ratio15.2599%4,011
Memoranda:
Average total assets$1,009,015,600670
Average earning assets$931,403,800659
Average equity$96,709,600757
Average total loans$728,438,600597
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9190%4,099
Cost of funding earning assets0.3500%4,343
Net interest margin3.5690%3,558
Noninterest income to average assets0.9550%1,351
Noninterest expense to average assets3.0521%2,627
Loan and lease loss provision to assets0.0612%3,136
Net operating income to assets0.8939%2,941
Return on assets (ROA)0.9063%2,977
Pretax return on assets1.1475%3,002
Return on Equity (ROE)9.6009%2,400
Retained earnings to average equity (ytd only)7.9933%1,363
Net charge-offs to loans0.2252%1,694
Credit loss provision to net charge-offs37.6929%3,323
Earnings coverage of net charge-offs (x)7.3501%2,936
Efficiency ratio70.9321%3,352
Assets per employee ($millions)3.9109%4,062
Cash dividends to net income (ytd only)*16.7443%3,327
Condition Ratios (%)
Loss allowance to loans1.2207%4,123
Loan loss allowance to noncurrent loans47.2351%5,243
Noncurrent assets plus other real estate owned to assets2.2193%1,242
Noncurrent loans to loans2.5842%1,112
Net loans and leases to total assets70.8350%2,046
Net loans and leases to deposits80.4182%2,629
Net loans and leases to core deposits96.7763%1,611
Total domestic deposits to total assets88.0834%1,718
Equity capital to assets9.7773%4,446
Core capital (leverage) ratio9.2377%4,725
Tier 1 risk-based capital ratio13.4789%4,555
Total risk-based capital ratio14.7512%4,477
Memoranda:
Average total assets$1,011,258,000662
Average earning assets$932,215,000657
Average equity$95,461,000771
Average total loans$728,818,250593
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8954%4,153
Cost of funding earning assets0.3549%4,378
Net interest margin3.5404%3,609
Noninterest income to average assets0.9295%1,398
Noninterest expense to average assets3.0362%2,706
Loan and lease loss provision to assets0.0921%2,488
Net operating income to assets0.8420%3,120
Return on assets (ROA)0.8638%3,085
Pretax return on assets1.0882%3,141
Return on Equity (ROE)9.2624%2,475
Retained earnings to average equity (ytd only)6.8139%1,860
Net charge-offs to loans0.1778%1,970
Credit loss provision to net charge-offs71.7156%2,438
Earnings coverage of net charge-offs (x)8.9799%2,416
Efficiency ratio71.5023%3,433
Assets per employee ($millions)3.8484%4,163
Cash dividends to net income (ytd only)*26.4355%2,929
Condition Ratios (%)
Loss allowance to loans1.2981%3,857
Loan loss allowance to noncurrent loans45.2231%5,346
Noncurrent assets plus other real estate owned to assets2.4672%1,154
Noncurrent loans to loans2.8704%1,040
Net loans and leases to total assets70.9722%1,924
Net loans and leases to deposits80.2755%2,481
Net loans and leases to core deposits97.1949%1,506
Total domestic deposits to total assets88.4108%1,678
Equity capital to assets9.4437%4,797
Core capital (leverage) ratio8.9272%5,121
Tier 1 risk-based capital ratio12.9144%4,965
Total risk-based capital ratio14.1658%4,904
Memoranda:
Average total assets$1,008,096,670665
Average earning assets$928,078,000661
Average equity$94,014,330774
Average total loans$727,765,000593
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8500%4,292
Cost of funding earning assets0.3601%4,433
Net interest margin3.4899%3,741
Noninterest income to average assets0.9024%1,387
Noninterest expense to average assets3.0696%2,624
Loan and lease loss provision to assets0.0790%2,571
Net operating income to assets0.7751%3,279
Return on assets (ROA)0.7751%3,361
Pretax return on assets0.9643%3,464
Return on Equity (ROE)8.3647%2,754
Retained earnings to average equity (ytd only)6.2412%2,412
Net charge-offs to loans0.0855%2,300
Credit loss provision to net charge-offs127.7419%1,398
Earnings coverage of net charge-offs (x)16.8645%1,490
Efficiency ratio73.6245%3,211
Assets per employee ($millions)3.8462%4,240
Cash dividends to net income (ytd only)*25.3862%2,409
Condition Ratios (%)
Loss allowance to loans1.3419%3,894
Loan loss allowance to noncurrent loans39.5624%5,583
Noncurrent assets plus other real estate owned to assets2.8286%1,041
Noncurrent loans to loans3.3918%881
Net loans and leases to total assets70.0295%1,879
Net loans and leases to deposits80.2067%2,265
Net loans and leases to core deposits95.4427%1,432
Total domestic deposits to total assets87.3113%2,628
Equity capital to assets9.1943%4,879
Core capital (leverage) ratio8.9390%5,089
Tier 1 risk-based capital ratio12.8200%5,109
Total risk-based capital ratio14.0827%5,049
Memoranda:
Average total assets$1,002,227,000674
Average earning assets$921,980,000667
Average equity$92,866,500785
Average total loans$724,988,000601
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0482%3,926
Cost of funding earning assets0.4689%3,926
Net interest margin3.5792%3,555
Noninterest income to average assets0.9004%1,678
Noninterest expense to average assets3.0821%2,792
Loan and lease loss provision to assets0.2869%1,201
Net operating income to assets0.6613%3,979
Return on assets (ROA)0.6595%4,091
Pretax return on assets0.8123%4,097
Return on Equity (ROE)7.4711%3,307
Retained earnings to average equity (ytd only)4.6565%2,846
Net charge-offs to loans0.4895%1,360
Credit loss provision to net charge-offs81.1788%3,016
Earnings coverage of net charge-offs (x)3.1165%3,953
Efficiency ratio72.6756%3,354
Assets per employee ($millions)3.5686%4,764
Cash dividends to net income (ytd only)*37.6732%2,921
Condition Ratios (%)
Loss allowance to loans1.3405%3,933
Loan loss allowance to noncurrent loans38.4283%5,683
Noncurrent assets plus other real estate owned to assets3.0524%1,027
Noncurrent loans to loans3.4883%903
Net loans and leases to total assets72.7624%1,550
Net loans and leases to deposits84.3701%1,881
Net loans and leases to core deposits95.9725%1,462
Total domestic deposits to total assets86.2419%3,141
Equity capital to assets9.3407%4,635
Core capital (leverage) ratio8.8118%5,260
Tier 1 risk-based capital ratio12.5173%5,276
Total risk-based capital ratio13.7808%5,226
Memoranda:
Average total assets$1,017,854,200647
Average earning assets$933,608,200637
Average equity$89,853,200784
Average total loans$734,780,200573
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0020%4,130
Cost of funding earning assets0.4931%3,844
Net interest margin3.5089%3,843
Noninterest income to average assets0.8774%1,830
Noninterest expense to average assets2.9601%3,107
Loan and lease loss provision to assets0.2538%1,403
Net operating income to assets0.7121%3,801
Return on assets (ROA)0.7095%3,941
Pretax return on assets0.8771%3,978
Return on Equity (ROE)8.1504%3,051
Retained earnings to average equity (ytd only)5.3854%2,810
Net charge-offs to loans0.1732%2,840
Credit loss provision to net charge-offs204.0710%1,185
Earnings coverage of net charge-offs (x)9.1190%2,524
Efficiency ratio71.2868%3,555
Assets per employee ($millions)3.6914%4,471
Cash dividends to net income (ytd only)*33.9250%2,520
Condition Ratios (%)
Loss allowance to loans1.5787%3,106
Loan loss allowance to noncurrent loans39.4425%5,650
Noncurrent assets plus other real estate owned to assets3.3568%1,034
Noncurrent loans to loans4.0025%877
Net loans and leases to total assets70.8960%1,802
Net loans and leases to deposits81.8722%2,155
Net loans and leases to core deposits95.0365%1,468
Total domestic deposits to total assets86.5935%2,915
Equity capital to assets9.0015%5,187
Core capital (leverage) ratio8.5849%5,678
Tier 1 risk-based capital ratio12.2434%5,608
Total risk-based capital ratio13.5042%5,540
Memoranda:
Average total assets$1,026,978,250642
Average earning assets$941,501,500632
Average equity$89,400,000795
Average total loans$737,534,750571
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9621%4,254
Cost of funding earning assets0.5338%3,561
Net interest margin3.4283%4,082
Noninterest income to average assets0.8565%1,980
Noninterest expense to average assets2.9551%3,147
Loan and lease loss provision to assets0.3099%1,146
Net operating income to assets0.6163%4,212
Return on assets (ROA)0.6163%4,378
Pretax return on assets0.7387%4,545
Return on Equity (ROE)7.1582%3,508
Retained earnings to average equity (ytd only)4.3304%3,518
Net charge-offs to loans0.1469%2,932
Credit loss provision to net charge-offs293.9560%881
Earnings coverage of net charge-offs (x)9.9469%2,213
Efficiency ratio72.7816%3,344
Assets per employee ($millions)3.7588%4,285
Cash dividends to net income (ytd only)*39.5050%2,274
Condition Ratios (%)
Loss allowance to loans1.5681%3,285
Loan loss allowance to noncurrent loans36.8042%5,761
Noncurrent assets plus other real estate owned to assets3.5287%1,084
Noncurrent loans to loans4.2607%862
Net loans and leases to total assets69.7124%1,932
Net loans and leases to deposits81.3697%2,134
Net loans and leases to core deposits97.6991%1,237
Total domestic deposits to total assets85.6736%3,544
Equity capital to assets8.6881%5,567
Core capital (leverage) ratio8.1125%6,097
Tier 1 risk-based capital ratio11.8235%5,903
Total risk-based capital ratio13.0826%5,846
Memoranda:
Average total assets$1,035,848,330637
Average earning assets$950,901,670628
Average equity$89,184,000793
Average total loans$743,180,670562
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0114%4,072
Cost of funding earning assets0.5219%3,865
Net interest margin3.4896%3,748
Noninterest income to average assets0.8386%1,967
Noninterest expense to average assets2.9472%3,169
Loan and lease loss provision to assets0.3092%1,103
Net operating income to assets0.6388%4,027
Return on assets (ROA)0.6388%4,191
Pretax return on assets0.7801%4,252
Return on Equity (ROE)7.4531%3,240
Retained earnings to average equity (ytd only)4.6453%3,449
Net charge-offs to loans0.1275%2,654
Credit loss provision to net charge-offs335.9833%724
Earnings coverage of net charge-offs (x)11.8368%1,645
Efficiency ratio72.0023%3,613
Assets per employee ($millions)3.7579%4,436
Cash dividends to net income (ytd only)*37.6733%1,911
Condition Ratios (%)
Loss allowance to loans1.4659%3,947
Loan loss allowance to noncurrent loans31.5742%5,964
Noncurrent assets plus other real estate owned to assets3.8089%1,083
Noncurrent loans to loans4.6428%875
Net loans and leases to total assets69.9048%1,677
Net loans and leases to deposits81.4855%1,898
Net loans and leases to core deposits98.9243%1,010
Total domestic deposits to total assets85.7881%3,640
Equity capital to assets8.5203%6,000
Core capital (leverage) ratio8.0988%6,043
Tier 1 risk-based capital ratio11.4033%6,238
Total risk-based capital ratio12.6662%6,204
Memoranda:
Average total assets$1,038,823,000643
Average earning assets$951,975,500635
Average equity$89,036,500805
Average total loans$750,068,500558
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3482%4,029
Cost of funding earning assets0.7310%3,246
Net interest margin3.6172%4,014
Noninterest income to average assets0.8150%2,195
Noninterest expense to average assets2.9711%3,383
Loan and lease loss provision to assets0.5067%1,161
Net operating income to assets0.5693%4,381
Return on assets (ROA)0.5646%4,666
Pretax return on assets0.6384%4,858
Return on Equity (ROE)6.7432%3,788
Retained earnings to average equity (ytd only)3.6392%3,649
Net charge-offs to loans0.6002%1,935
Credit loss provision to net charge-offs114.3576%2,540
Earnings coverage of net charge-offs (x)2.5964%4,122
Efficiency ratio71.0635%3,613
Assets per employee ($millions)3.6234%4,725
Cash dividends to net income (ytd only)*46.0323%2,529
Condition Ratios (%)
Loss allowance to loans1.3772%4,274
Loan loss allowance to noncurrent loans28.0840%6,135
Noncurrent assets plus other real estate owned to assets4.1040%1,033
Noncurrent loans to loans4.9038%828
Net loans and leases to total assets72.4833%1,422
Net loans and leases to deposits84.9540%1,644
Net loans and leases to core deposits99.6443%1,046
Total domestic deposits to total assets85.3206%3,701
Equity capital to assets8.6228%5,941
Core capital (leverage) ratio7.9852%6,206
Tier 1 risk-based capital ratio10.9728%6,358
Total risk-based capital ratio12.2244%6,319
Memoranda:
Average total assets$1,031,150,000646
Average earning assets$942,606,000631
Average equity$86,338,600804
Average total loans$761,287,600540
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3767%4,146
Cost of funding earning assets0.7718%3,172
Net interest margin3.6049%4,216
Noninterest income to average assets0.8368%2,087
Noninterest expense to average assets2.8368%3,850
Loan and lease loss provision to assets0.4648%1,332
Net operating income to assets0.6935%3,942
Return on assets (ROA)0.6930%4,201
Pretax return on assets0.8328%4,372
Return on Equity (ROE)8.3384%3,112
Retained earnings to average equity (ytd only)5.2559%3,186
Net charge-offs to loans0.5608%1,930
Credit loss provision to net charge-offs112.1495%2,611
Earnings coverage of net charge-offs (x)3.1324%3,774
Efficiency ratio67.5816%4,156
Assets per employee ($millions)3.7684%4,378
Cash dividends to net income (ytd only)*36.9667%2,322
Condition Ratios (%)
Loss allowance to loans1.3420%4,621
Loan loss allowance to noncurrent loans28.0870%6,205
Noncurrent assets plus other real estate owned to assets3.9966%1,205
Noncurrent loans to loans4.7779%966
Net loans and leases to total assets70.4604%1,818
Net loans and leases to deposits86.6189%1,530
Net loans and leases to core deposits102.7771%943
Total domestic deposits to total assets81.3454%5,250
Equity capital to assets8.3957%6,358
Core capital (leverage) ratio7.9115%6,392
Tier 1 risk-based capital ratio10.9702%6,491
Total risk-based capital ratio12.2213%6,474
Memoranda:
Average total assets$1,032,579,500643
Average earning assets$944,758,250632
Average equity$85,818,000812
Average total loans$763,198,000531
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4366%4,035
Cost of funding earning assets0.8056%3,141
Net interest margin3.6310%4,135
Noninterest income to average assets0.8854%1,838
Noninterest expense to average assets2.8443%3,853
Loan and lease loss provision to assets0.5414%1,144
Net operating income to assets0.6834%3,958
Return on assets (ROA)0.6868%4,201
Pretax return on assets0.8253%4,382
Return on Equity (ROE)8.2926%3,116
Retained earnings to average equity (ytd only)5.2536%3,122
Net charge-offs to loans0.7492%1,475
Credit loss provision to net charge-offs96.6562%2,865
Earnings coverage of net charge-offs (x)2.4326%3,785
Efficiency ratio66.5986%4,407
Assets per employee ($millions)3.7143%4,489
Cash dividends to net income (ytd only)*36.6477%2,323
Condition Ratios (%)
Loss allowance to loans1.2516%5,115
Loan loss allowance to noncurrent loans32.6516%6,031
Noncurrent assets plus other real estate owned to assets3.1069%1,755
Noncurrent loans to loans3.8333%1,464
Net loans and leases to total assets72.0028%1,554
Net loans and leases to deposits88.6236%1,303
Net loans and leases to core deposits105.9835%744
Total domestic deposits to total assets81.2456%5,377
Equity capital to assets8.2442%6,421
Core capital (leverage) ratio7.8238%6,429
Tier 1 risk-based capital ratio10.5934%6,664
Total risk-based capital ratio11.8434%6,649
Memoranda:
Average total assets$1,025,051,000648
Average earning assets$937,706,330641
Average equity$84,894,670814
Average total loans$766,401,670523
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4933%3,938
Cost of funding earning assets0.8518%3,051
Net interest margin3.6416%4,082
Noninterest income to average assets0.9159%1,681
Noninterest expense to average assets2.7750%4,141
Loan and lease loss provision to assets0.7722%646
Net operating income to assets0.5872%4,407
Return on assets (ROA)0.5872%4,625
Pretax return on assets0.6969%4,803
Return on Equity (ROE)7.0737%3,747
Retained earnings to average equity (ytd only)1.8746%5,308
Net charge-offs to loans1.1325%909
Credit loss provision to net charge-offs90.0277%2,545
Earnings coverage of net charge-offs (x)1.7128%3,476
Efficiency ratio64.3684%4,856
Assets per employee ($millions)3.7874%4,454
Cash dividends to net income (ytd only)*73.4997%914
Condition Ratios (%)
Loss allowance to loans1.2450%5,283
Loan loss allowance to noncurrent loans36.8374%5,805
Noncurrent assets plus other real estate owned to assets2.7981%2,093
Noncurrent loans to loans3.3796%1,871
Net loans and leases to total assets72.9354%1,238
Net loans and leases to deposits90.1525%951
Net loans and leases to core deposits102.9269%817
Total domestic deposits to total assets80.9023%5,632
Equity capital to assets8.2118%6,349
Core capital (leverage) ratio7.9651%6,287
Tier 1 risk-based capital ratio10.4269%6,759
Total risk-based capital ratio11.6728%6,755
Memoranda:
Average total assets$1,010,144,000662
Average earning assets$923,233,000655
Average equity$83,859,500821
Average total loans$765,023,000524
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8985%3,366
Cost of funding earning assets1.0231%3,216
Net interest margin3.8754%3,445
Noninterest income to average assets0.9165%1,618
Noninterest expense to average assets2.8962%3,972
Loan and lease loss provision to assets0.7671%1,300
Net operating income to assets0.7224%3,376
Return on assets (ROA)0.7184%3,570
Pretax return on assets0.7843%4,034
Return on Equity (ROE)8.7182%2,584
Retained earnings to average equity (ytd only)4.7210%2,842
Net charge-offs to loans0.8647%2,003
Credit loss provision to net charge-offs113.9655%2,870
Earnings coverage of net charge-offs (x)2.3113%4,061
Efficiency ratio64.0354%5,120
Assets per employee ($millions)3.5997%4,770
Cash dividends to net income (ytd only)*45.8493%2,285
Condition Ratios (%)
Loss allowance to loans1.2686%5,073
Loan loss allowance to noncurrent loans43.1596%5,427
Noncurrent assets plus other real estate owned to assets2.6109%2,329
Noncurrent loans to loans2.9394%2,212
Net loans and leases to total assets76.7182%863
Net loans and leases to deposits95.9099%677
Net loans and leases to core deposits105.5690%811
Total domestic deposits to total assets79.9899%5,747
Equity capital to assets8.3961%6,249
Core capital (leverage) ratio7.8927%6,366
Tier 1 risk-based capital ratio10.2636%6,779
Total risk-based capital ratio11.5140%6,756
Memoranda:
Average total assets$980,897,000669
Average earning assets$894,821,800661
Average equity$80,831,000825
Average total loans$763,484,600536
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8948%3,581
Cost of funding earning assets1.0597%3,248
Net interest margin3.8351%3,696
Noninterest income to average assets0.8496%1,837
Noninterest expense to average assets2.9257%3,816
Loan and lease loss provision to assets0.7407%1,291
Net operating income to assets0.6701%3,771
Return on assets (ROA)0.6828%3,870
Pretax return on assets0.6942%4,503
Return on Equity (ROE)8.3248%2,905
Retained earnings to average equity (ytd only)2.9625%4,577
Net charge-offs to loans0.8824%1,809
Credit loss provision to net charge-offs107.8051%3,066
Earnings coverage of net charge-offs (x)2.0695%4,108
Efficiency ratio66.2440%4,678
Assets per employee ($millions)3.6982%4,545
Cash dividends to net income (ytd only)*64.4139%1,054
Condition Ratios (%)
Loss allowance to loans1.1994%5,469
Loan loss allowance to noncurrent loans35.1477%5,950
Noncurrent assets plus other real estate owned to assets2.9652%2,169
Noncurrent loans to loans3.4126%2,018
Net loans and leases to total assets76.1368%958
Net loans and leases to deposits95.8727%705
Net loans and leases to core deposits106.1128%857
Total domestic deposits to total assets79.4144%5,886
Equity capital to assets8.1794%6,578
Core capital (leverage) ratio7.5462%6,739
Tier 1 risk-based capital ratio9.9276%6,973
Total risk-based capital ratio11.1411%6,971
Memoranda:
Average total assets$979,541,250675
Average earning assets$893,435,250668
Average equity$80,335,750839
Average total loans$762,753,250542
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9426%3,429
Cost of funding earning assets1.0812%3,380
Net interest margin3.8614%3,481
Noninterest income to average assets0.8546%1,787
Noninterest expense to average assets2.9715%3,750
Loan and lease loss provision to assets0.5474%1,774
Net operating income to assets0.7969%3,096
Return on assets (ROA)0.7885%3,248
Pretax return on assets0.8552%3,813
Return on Equity (ROE)9.6060%2,264
Retained earnings to average equity (ytd only)4.2005%3,524
Net charge-offs to loans0.3462%3,165
Credit loss provision to net charge-offs202.3520%1,492
Earnings coverage of net charge-offs (x)5.2185%2,665
Efficiency ratio66.7447%4,735
Assets per employee ($millions)3.7318%4,351
Cash dividends to net income (ytd only)*56.2728%1,478
Condition Ratios (%)
Loss allowance to loans1.3148%4,991
Loan loss allowance to noncurrent loans31.0322%6,203
Noncurrent assets plus other real estate owned to assets3.3073%2,016
Noncurrent loans to loans4.2368%1,603
Net loans and leases to total assets75.8927%1,087
Net loans and leases to deposits95.7113%749
Net loans and leases to core deposits105.7197%943
Total domestic deposits to total assets79.2933%6,011
Equity capital to assets8.1253%6,579
Core capital (leverage) ratio7.6059%6,665
Tier 1 risk-based capital ratio9.9490%6,994
Total risk-based capital ratio11.2002%6,995
Memoranda:
Average total assets$974,454,000687
Average earning assets$890,463,000679
Average equity$79,991,330839
Average total loans$761,469,000555
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0249%2,983
Cost of funding earning assets1.0969%3,546
Net interest margin3.9280%3,011
Noninterest income to average assets0.8281%1,931
Noninterest expense to average assets2.9403%3,890
Loan and lease loss provision to assets0.3751%2,315
Net operating income to assets0.8106%2,976
Return on assets (ROA)0.8140%3,020
Pretax return on assets1.1065%2,734
Return on Equity (ROE)9.8631%2,144
Retained earnings to average equity (ytd only)4.3079%3,587
Net charge-offs to loans0.2661%3,005
Credit loss provision to net charge-offs178.9264%1,637
Earnings coverage of net charge-offs (x)7.0457%2,007
Efficiency ratio65.5156%5,122
Assets per employee ($millions)3.6182%4,723
Cash dividends to net income (ytd only)*56.3236%1,327
Condition Ratios (%)
Loss allowance to loans1.2047%5,608
Loan loss allowance to noncurrent loans34.7698%5,977
Noncurrent assets plus other real estate owned to assets2.7936%2,466
Noncurrent loans to loans3.4648%2,154
Net loans and leases to total assets77.7902%760
Net loans and leases to deposits99.4859%499
Net loans and leases to core deposits107.6875%858
Total domestic deposits to total assets78.1922%6,354
Equity capital to assets8.2450%6,234
Core capital (leverage) ratio7.8278%6,439
Tier 1 risk-based capital ratio9.9750%7,015
Total risk-based capital ratio11.2102%7,018
Memoranda:
Average total assets$959,757,000702
Average earning assets$876,988,500693
Average equity$79,204,000841
Average total loans$756,205,000569
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1464%3,875
Cost of funding earning assets1.4079%3,212
Net interest margin3.7385%4,187
Noninterest income to average assets0.8660%1,992
Noninterest expense to average assets2.7373%4,824
Loan and lease loss provision to assets0.3336%4,151
Net operating income to assets0.8655%2,533
Return on assets (ROA)0.8512%2,723
Pretax return on assets1.1820%2,285
Return on Equity (ROE)10.6920%1,690
Retained earnings to average equity (ytd only)5.2391%2,286
Net charge-offs to loans0.4488%3,816
Credit loss provision to net charge-offs95.9656%4,844
Earnings coverage of net charge-offs (x)4.4177%2,932
Efficiency ratio62.9609%5,520
Assets per employee ($millions)3.6115%4,669
Cash dividends to net income (ytd only)*50.9994%2,030
Condition Ratios (%)
Loss allowance to loans1.1752%5,623
Loan loss allowance to noncurrent loans30.8450%6,241
Noncurrent assets plus other real estate owned to assets3.0691%2,302
Noncurrent loans to loans3.8100%1,937
Net loans and leases to total assets77.9183%957
Net loans and leases to deposits100.6446%541
Net loans and leases to core deposits107.8089%1,066
Total domestic deposits to total assets77.4193%6,417
Equity capital to assets8.2601%6,193
Core capital (leverage) ratio7.7313%6,514
Tier 1 risk-based capital ratio10.0170%6,977
Total risk-based capital ratio11.2185%6,985
Memoranda:
Average total assets$969,844,000685
Average earning assets$883,804,600682
Average equity$77,207,400854
Average total loans$751,148,400579
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1557%4,049
Cost of funding earning assets1.4502%3,272
Net interest margin3.7055%4,378
Noninterest income to average assets0.8451%2,016
Noninterest expense to average assets2.7221%4,788
Loan and lease loss provision to assets0.2564%4,529
Net operating income to assets0.9046%2,586
Return on assets (ROA)0.8861%2,811
Pretax return on assets1.2162%2,436
Return on Equity (ROE)11.2341%1,717
Retained earnings to average equity (ytd only)5.7722%2,495
Net charge-offs to loans0.2153%4,648
Credit loss provision to net charge-offs154.4481%2,493
Earnings coverage of net charge-offs (x)9.0214%2,078
Efficiency ratio63.3933%5,364
Assets per employee ($millions)3.6439%4,631
Cash dividends to net income (ytd only)*48.6187%1,686
Condition Ratios (%)
Loss allowance to loans1.2661%5,134
Loan loss allowance to noncurrent loans50.0939%4,950
Noncurrent assets plus other real estate owned to assets2.0161%3,446
Noncurrent loans to loans2.5275%3,094
Net loans and leases to total assets77.5099%1,123
Net loans and leases to deposits102.8486%492
Net loans and leases to core deposits109.0017%1,094
Total domestic deposits to total assets75.3631%6,762
Equity capital to assets8.1148%6,700
Core capital (leverage) ratio7.4133%6,919
Tier 1 risk-based capital ratio9.5493%7,243
Total risk-based capital ratio10.7996%7,237
Memoranda:
Average total assets$974,847,750676
Average earning assets$887,880,250674
Average equity$76,895,000859
Average total loans$751,712,500579
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1123%4,390
Cost of funding earning assets1.4791%3,372
Net interest margin3.6333%4,670
Noninterest income to average assets0.8702%1,802
Noninterest expense to average assets2.7059%4,879
Loan and lease loss provision to assets0.2556%4,376
Net operating income to assets0.8944%2,570
Return on assets (ROA)0.8964%2,686
Pretax return on assets1.2220%2,344
Return on Equity (ROE)11.4728%1,602
Retained earnings to average equity (ytd only)5.9759%2,337
Net charge-offs to loans0.1163%5,012
Credit loss provision to net charge-offs286.6972%1,297
Earnings coverage of net charge-offs (x)16.5413%1,396
Efficiency ratio63.6012%5,412
Assets per employee ($millions)3.7575%4,327
Cash dividends to net income (ytd only)*47.9124%1,775
Condition Ratios (%)
Loss allowance to loans1.2853%5,008
Loan loss allowance to noncurrent loans48.1222%5,086
Noncurrent assets plus other real estate owned to assets2.0815%3,404
Noncurrent loans to loans2.6709%2,972
Net loans and leases to total assets76.0722%1,483
Net loans and leases to deposits102.2914%580
Net loans and leases to core deposits109.0056%1,231
Total domestic deposits to total assets74.3682%6,934
Equity capital to assets7.8525%6,886
Core capital (leverage) ratio7.3491%6,960
Tier 1 risk-based capital ratio9.3994%7,304
Total risk-based capital ratio10.6499%7,303
Memoranda:
Average total assets$977,922,000672
Average earning assets$891,098,670671
Average equity$76,407,000860
Average total loans$749,599,000580
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1163%4,455
Cost of funding earning assets1.5179%3,434
Net interest margin3.5983%4,738
Noninterest income to average assets0.8861%1,681
Noninterest expense to average assets2.7468%4,699
Loan and lease loss provision to assets0.2565%3,989
Net operating income to assets0.8579%2,717
Return on assets (ROA)0.8561%2,814
Pretax return on assets1.1598%2,514
Return on Equity (ROE)10.9851%1,794
Retained earnings to average equity (ytd only)5.4557%2,896
Net charge-offs to loans0.1144%4,295
Credit loss provision to net charge-offs293.4272%1,352
Earnings coverage of net charge-offs (x)16.2300%1,339
Efficiency ratio64.8177%5,338
Assets per employee ($millions)3.7676%4,388
Cash dividends to net income (ytd only)*50.3356%1,477
Condition Ratios (%)
Loss allowance to loans1.2460%5,245
Loan loss allowance to noncurrent loans48.6674%5,089
Noncurrent assets plus other real estate owned to assets1.9998%3,506
Noncurrent loans to loans2.5602%3,107
Net loans and leases to total assets76.2277%1,495
Net loans and leases to deposits101.8482%651
Net loans and leases to core deposits109.1388%1,343
Total domestic deposits to total assets74.8445%6,926
Equity capital to assets7.8996%6,757
Core capital (leverage) ratio7.2652%7,061
Tier 1 risk-based capital ratio9.3773%7,358
Total risk-based capital ratio10.6274%7,363
Memoranda:
Average total assets$974,647,000696
Average earning assets$888,305,000689
Average equity$75,957,500870
Average total loans$745,068,000605
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3424%4,970
Cost of funding earning assets1.7011%4,502
Net interest margin3.6413%4,383
Noninterest income to average assets0.8974%1,952
Noninterest expense to average assets2.7577%5,134
Loan and lease loss provision to assets0.3637%4,620
Net operating income to assets0.8364%2,397
Return on assets (ROA)0.7765%2,711
Pretax return on assets1.0200%2,524
Return on Equity (ROE)10.2229%1,632
Retained earnings to average equity (ytd only)4.2179%2,266
Net charge-offs to loans0.2617%4,987
Credit loss provision to net charge-offs185.0377%2,203
Earnings coverage of net charge-offs (x)7.4408%2,147
Efficiency ratio64.1690%5,744
Assets per employee ($millions)3.8474%4,151
Cash dividends to net income (ytd only)*58.7410%2,060
Condition Ratios (%)
Loss allowance to loans1.2080%5,310
Loan loss allowance to noncurrent loans48.9591%5,121
Noncurrent assets plus other real estate owned to assets1.9336%3,479
Noncurrent loans to loans2.4674%3,084
Net loans and leases to total assets74.7897%2,078
Net loans and leases to deposits98.8785%1,011
Net loans and leases to core deposits115.5195%2,368
Total domestic deposits to total assets75.6380%6,750
Equity capital to assets7.6877%6,870
Core capital (leverage) ratio7.1349%7,126
Tier 1 risk-based capital ratio9.2454%7,359
Total risk-based capital ratio10.4528%7,375
Memoranda:
Average total assets$945,181,000710
Average earning assets$862,559,400704
Average equity$71,789,600913
Average total loans$709,876,400654
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3818%5,031
Cost of funding earning assets1.7097%4,850
Net interest margin3.6721%4,193
Noninterest income to average assets0.8970%1,992
Noninterest expense to average assets2.7946%4,918
Loan and lease loss provision to assets0.3789%4,057
Net operating income to assets0.8238%2,714
Return on assets (ROA)0.7636%3,031
Pretax return on assets0.9959%2,920
Return on Equity (ROE)10.0850%1,883
Retained earnings to average equity (ytd only)3.9573%3,066
Net charge-offs to loans0.2263%4,640
Credit loss provision to net charge-offs223.4060%1,955
Earnings coverage of net charge-offs (x)8.5680%2,225
Efficiency ratio64.6168%5,635
Assets per employee ($millions)3.8170%4,154
Cash dividends to net income (ytd only)*60.7602%1,571
Condition Ratios (%)
Loss allowance to loans1.2041%5,084
Loan loss allowance to noncurrent loans80.0871%3,414
Noncurrent assets plus other real estate owned to assets1.1843%4,709
Noncurrent loans to loans1.5035%4,406
Net loans and leases to total assets74.4182%2,406
Net loans and leases to deposits101.9332%927
Net loans and leases to core deposits117.9947%2,413
Total domestic deposits to total assets73.0068%7,083
Equity capital to assets7.6045%7,217
Core capital (leverage) ratio7.0045%7,433
Tier 1 risk-based capital ratio9.1830%7,550
Total risk-based capital ratio10.3837%7,575
Memoranda:
Average total assets$937,166,000728
Average earning assets$855,100,500719
Average equity$70,955,250937
Average total loans$702,392,250681
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4670%4,800
Cost of funding earning assets1.7164%5,190
Net interest margin3.7506%3,753
Noninterest income to average assets0.9316%1,835
Noninterest expense to average assets2.8284%4,833
Loan and lease loss provision to assets0.2203%4,833
Net operating income to assets0.9465%2,289
Return on assets (ROA)0.8991%2,568
Pretax return on assets1.2306%2,215
Return on Equity (ROE)11.8940%1,450
Retained earnings to average equity (ytd only)5.5709%2,214
Net charge-offs to loans0.1289%4,881
Credit loss provision to net charge-offs228.4753%2,014
Earnings coverage of net charge-offs (x)15.7197%1,577
Efficiency ratio63.9445%5,930
Assets per employee ($millions)3.6953%4,337
Cash dividends to net income (ytd only)*53.1618%1,926
Condition Ratios (%)
Loss allowance to loans1.1274%5,404
Loan loss allowance to noncurrent loans67.6217%4,050
Noncurrent assets plus other real estate owned to assets1.2587%4,422
Noncurrent loans to loans1.6671%3,993
Net loans and leases to total assets72.1109%3,195
Net loans and leases to deposits97.8527%1,543
Net loans and leases to core deposits114.0877%2,900
Total domestic deposits to total assets73.6933%6,999
Equity capital to assets7.5163%7,245
Core capital (leverage) ratio7.2157%7,343
Tier 1 risk-based capital ratio9.3135%7,527
Total risk-based capital ratio10.4119%7,620
Memoranda:
Average total assets$925,112,000757
Average earning assets$841,742,000752
Average equity$69,934,670955
Average total loans$692,136,000712
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5204%4,807
Cost of funding earning assets1.7483%5,359
Net interest margin3.7721%3,580
Noninterest income to average assets0.9671%1,581
Noninterest expense to average assets2.7554%4,756
Loan and lease loss provision to assets0.2620%3,863
Net operating income to assets1.0448%2,147
Return on assets (ROA)1.0015%2,440
Pretax return on assets1.3174%2,220
Return on Equity (ROE)13.2079%1,335
Retained earnings to average equity (ytd only)7.0904%2,176
Net charge-offs to loans0.0623%4,581
Credit loss provision to net charge-offs554.2056%1,011
Earnings coverage of net charge-offs (x)34.6168%953
Efficiency ratio61.5632%6,138
Assets per employee ($millions)3.3942%5,090
Cash dividends to net income (ytd only)*46.3167%1,880
Condition Ratios (%)
Loss allowance to loans1.1256%5,288
Loan loss allowance to noncurrent loans60.1965%4,587
Noncurrent assets plus other real estate owned to assets1.4270%3,798
Noncurrent loans to loans1.8699%3,460
Net loans and leases to total assets75.4538%2,402
Net loans and leases to deposits105.1567%930
Net loans and leases to core deposits116.2839%2,774
Total domestic deposits to total assets71.7537%7,245
Equity capital to assets7.6576%7,212
Core capital (leverage) ratio7.4635%7,197
Tier 1 risk-based capital ratio9.3420%7,554
Total risk-based capital ratio10.4521%7,660
Memoranda:
Average total assets$905,433,000777
Average earning assets$822,038,500774
Average equity$68,656,000977
Average total loans$686,495,000727
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2793%4,072
Cost of funding earning assets2.0858%6,110
Net interest margin4.1935%2,337
Noninterest income to average assets0.8775%2,065
Noninterest expense to average assets2.7481%5,055
Loan and lease loss provision to assets0.1402%5,562
Net operating income to assets1.3043%1,474
Return on assets (ROA)1.2957%1,446
Pretax return on assets1.7657%1,005
Return on Equity (ROE)16.2898%729
Retained earnings to average equity (ytd only)10.8732%338
Net charge-offs to loans0.1926%4,264
Credit loss provision to net charge-offs99.6658%5,388
Earnings coverage of net charge-offs (x)13.6358%2,117
Efficiency ratio57.9674%6,703
Assets per employee ($millions)3.4399%4,826
Cash dividends to net income (ytd only)*33.2517%3,983
Condition Ratios (%)
Loss allowance to loans1.0880%5,360
Loan loss allowance to noncurrent loans183.9250%2,097
Noncurrent assets plus other real estate owned to assets0.4455%5,880
Noncurrent loans to loans0.5915%5,604
Net loans and leases to total assets74.4985%2,994
Net loans and leases to deposits106.4903%1,081
Net loans and leases to core deposits115.8029%3,144
Total domestic deposits to total assets69.9580%7,280
Equity capital to assets7.5064%7,373
Core capital (leverage) ratio7.2554%7,465
Tier 1 risk-based capital ratio9.2139%7,599
Total risk-based capital ratio10.2871%7,738
Memoranda:
Average total assets$851,140,200799
Average earning assets$768,881,400805
Average equity$67,698,800988
Average total loans$621,567,000768