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Farmers-Merchants Bank & Trust Company, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0349%1,279
Cost of funding earning assets0.2368%3,071
Net interest margin3.7981%1,011
Noninterest income to average assets0.9838%1,034
Noninterest expense to average assets2.8678%1,224
Loan and lease loss provision to assets0.2226%452
Net operating income to assets1.4513%1,133
Return on assets (ROA)1.4559%1,191
Pretax return on assets1.4559%1,862
Return on Equity (ROE)12.1790%1,750
Retained earnings to average equity (ytd only)4.1668%3,158
Net charge-offs to loans0.3316%259
Credit loss provision to net charge-offs112.3235%1,698
Earnings coverage of net charge-offs (x)8.4467%2,298
Efficiency ratio63.1434%2,690
Assets per employee ($millions)4.4882%4,126
Cash dividends to net income (ytd only)*65.7872%874
Condition Ratios (%)
Loss allowance to loans1.5361%1,439
Loan loss allowance to noncurrent loans65.2700%3,742
Noncurrent assets plus other real estate owned to assets1.3802%320
Noncurrent loans to loans2.3535%297
Net loans and leases to total assets55.6192%2,662
Net loans and leases to deposits63.0401%2,781
Net loans and leases to core deposits65.8461%2,834
Total domestic deposits to total assets88.2283%1,922
Equity capital to assets11.6524%1,421
Core capital (leverage) ratio11.5870%1,256
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5846%807
Memoranda:
Average total assets$393,084,8002,013
Average earning assets$368,235,4002,011
Average equity$46,990,8001,860
Average total loans$234,922,2002,020
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1145%1,271
Cost of funding earning assets0.2652%2,952
Net interest margin3.8492%1,023
Noninterest income to average assets1.1151%914
Noninterest expense to average assets2.7351%1,497
Loan and lease loss provision to assets0.2390%395
Net operating income to assets1.7443%747
Return on assets (ROA)1.7508%774
Pretax return on assets1.7508%1,276
Return on Equity (ROE)14.5503%1,244
Retained earnings to average equity (ytd only)9.5346%1,467
Net charge-offs to loans0.4102%188
Credit loss provision to net charge-offs96.1538%1,630
Earnings coverage of net charge-offs (x)7.9766%2,120
Efficiency ratio57.9660%3,266
Assets per employee ($millions)4.6549%4,002
Cash dividends to net income (ytd only)*34.4713%1,873
Condition Ratios (%)
Loss allowance to loans1.4772%1,720
Loan loss allowance to noncurrent loans58.2529%3,862
Noncurrent assets plus other real estate owned to assets1.5742%307
Noncurrent loans to loans2.5358%291
Net loans and leases to total assets55.6825%2,764
Net loans and leases to deposits63.5648%2,894
Net loans and leases to core deposits66.5714%2,907
Total domestic deposits to total assets87.5996%2,059
Equity capital to assets12.0765%1,366
Core capital (leverage) ratio12.0637%1,141
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.7011%723
Memoranda:
Average total assets$390,372,5002,041
Average earning assets$365,433,2502,041
Average equity$46,971,5001,879
Average total loans$236,610,2502,048
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9802%1,617
Cost of funding earning assets0.2962%2,809
Net interest margin3.6841%1,390
Noninterest income to average assets0.4607%2,799
Noninterest expense to average assets2.7823%1,393
Loan and lease loss provision to assets0.1038%1,216
Net operating income to assets1.0272%2,800
Return on assets (ROA)1.0355%2,848
Pretax return on assets1.0355%3,361
Return on Equity (ROE)8.6171%3,222
Retained earnings to average equity (ytd only)2.3270%4,044
Net charge-offs to loans0.1789%476
Credit loss provision to net charge-offs93.4579%1,421
Earnings coverage of net charge-offs (x)10.1869%1,809
Efficiency ratio71.0990%1,515
Assets per employee ($millions)4.5669%4,054
Cash dividends to net income (ytd only)*72.9960%627
Condition Ratios (%)
Loss allowance to loans1.4290%1,853
Loan loss allowance to noncurrent loans46.7180%3,999
Noncurrent assets plus other real estate owned to assets2.0268%209
Noncurrent loans to loans3.0588%235
Net loans and leases to total assets57.6151%2,714
Net loans and leases to deposits66.2854%2,795
Net loans and leases to core deposits69.4343%2,835
Total domestic deposits to total assets86.9197%2,369
Equity capital to assets11.4656%1,656
Core capital (leverage) ratio11.2797%1,431
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.1178%792
Memoranda:
Average total assets$385,504,0002,054
Average earning assets$361,286,6672,050
Average equity$46,326,3331,888
Average total loans$239,186,0002,037
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1654%1,261
Cost of funding earning assets0.3230%2,771
Net interest margin3.8424%1,068
Noninterest income to average assets0.4693%2,758
Noninterest expense to average assets2.7315%1,543
Loan and lease loss provision to assets0.1067%1,288
Net operating income to assets1.2340%2,029
Return on assets (ROA)1.2511%2,054
Pretax return on assets1.2511%2,696
Return on Equity (ROE)10.1585%2,643
Retained earnings to average equity (ytd only)2.7713%3,850
Net charge-offs to loans0.3000%280
Credit loss provision to net charge-offs55.5556%1,292
Earnings coverage of net charge-offs (x)6.9833%1,631
Efficiency ratio67.0770%2,062
Assets per employee ($millions)4.6134%4,006
Cash dividends to net income (ytd only)*72.7195%679
Condition Ratios (%)
Loss allowance to loans1.3856%2,023
Loan loss allowance to noncurrent loans65.4028%3,777
Noncurrent assets plus other real estate owned to assets1.6149%364
Noncurrent loans to loans2.1185%484
Net loans and leases to total assets61.1394%2,386
Net loans and leases to deposits70.7079%2,439
Net loans and leases to core deposits74.7044%2,453
Total domestic deposits to total assets86.4675%2,539
Equity capital to assets11.9130%1,332
Core capital (leverage) ratio12.3924%1,033
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.2024%765
Memoranda:
Average total assets$375,027,0002,082
Average earning assets$351,655,0002,070
Average equity$46,188,0001,881
Average total loans$239,991,0002,033
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5504%1,191
Cost of funding earning assets0.5156%2,847
Net interest margin4.0348%909
Noninterest income to average assets0.4586%2,826
Noninterest expense to average assets3.0978%1,237
Loan and lease loss provision to assets0.2336%1,667
Net operating income to assets0.8825%2,769
Return on assets (ROA)0.8841%2,903
Pretax return on assets0.8841%3,413
Return on Equity (ROE)6.9190%3,237
Retained earnings to average equity (ytd only)3.6578%3,003
Net charge-offs to loans0.2789%615
Credit loss provision to net charge-offs121.5022%2,622
Earnings coverage of net charge-offs (x)5.8056%2,832
Efficiency ratio73.5152%1,505
Assets per employee ($millions)4.1670%4,238
Cash dividends to net income (ytd only)*47.1342%2,002
Condition Ratios (%)
Loss allowance to loans1.4221%1,882
Loan loss allowance to noncurrent loans56.9972%3,926
Noncurrent assets plus other real estate owned to assets1.7521%360
Noncurrent loans to loans2.4950%402
Net loans and leases to total assets65.1848%2,204
Net loans and leases to deposits76.1507%2,266
Net loans and leases to core deposits80.8272%2,287
Total domestic deposits to total assets85.5997%2,529
Equity capital to assets12.7466%1,203
Core capital (leverage) ratio12.6010%1,011
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.4768%718
Memoranda:
Average total assets$353,220,8002,032
Average earning assets$328,742,8002,033
Average equity$45,136,6001,846
Average total loans$243,446,8001,950
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7077%1,051
Cost of funding earning assets0.5595%2,870
Net interest margin4.1482%811
Noninterest income to average assets0.4552%2,825
Noninterest expense to average assets3.1207%1,198
Loan and lease loss provision to assets0.2374%1,711
Net operating income to assets0.9507%2,519
Return on assets (ROA)0.9522%2,647
Pretax return on assets0.9522%3,223
Return on Equity (ROE)7.4468%3,030
Retained earnings to average equity (ytd only)3.0697%3,492
Net charge-offs to loans0.0878%1,423
Credit loss provision to net charge-offs388.1988%1,496
Earnings coverage of net charge-offs (x)19.4224%1,934
Efficiency ratio72.4250%1,592
Assets per employee ($millions)4.1522%4,190
Cash dividends to net income (ytd only)*58.7789%1,162
Condition Ratios (%)
Loss allowance to loans1.5417%1,263
Loan loss allowance to noncurrent loans56.7708%3,934
Noncurrent assets plus other real estate owned to assets1.8829%382
Noncurrent loans to loans2.7157%367
Net loans and leases to total assets65.1394%2,624
Net loans and leases to deposits76.0124%2,751
Net loans and leases to core deposits80.6601%2,788
Total domestic deposits to total assets85.6958%2,181
Equity capital to assets12.4665%1,443
Core capital (leverage) ratio12.1737%1,256
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.6953%819
Memoranda:
Average total assets$350,894,0002,026
Average earning assets$325,981,2502,025
Average equity$44,868,2501,845
Average total loans$244,378,0001,955
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6105%1,624
Cost of funding earning assets0.6092%2,921
Net interest margin4.0013%1,320
Noninterest income to average assets0.4571%2,777
Noninterest expense to average assets3.1873%1,187
Loan and lease loss provision to assets0.0867%3,197
Net operating income to assets0.8918%2,718
Return on assets (ROA)0.8941%2,829
Pretax return on assets0.8941%3,325
Return on Equity (ROE)6.9310%3,157
Retained earnings to average equity (ytd only)3.4588%3,197
Net charge-offs to loans0.1403%1,016
Credit loss provision to net charge-offs87.2093%2,475
Earnings coverage of net charge-offs (x)9.8430%2,195
Efficiency ratio76.5122%1,219
Assets per employee ($millions)4.0485%4,258
Cash dividends to net income (ytd only)*50.0970%1,553
Condition Ratios (%)
Loss allowance to loans1.2991%2,005
Loan loss allowance to noncurrent loans44.8209%4,137
Noncurrent assets plus other real estate owned to assets2.0483%339
Noncurrent loans to loans2.8985%352
Net loans and leases to total assets66.8371%2,516
Net loans and leases to deposits77.8554%2,674
Net loans and leases to core deposits82.9873%2,693
Total domestic deposits to total assets85.8478%2,080
Equity capital to assets12.3013%1,478
Core capital (leverage) ratio12.4687%1,193
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.9588%910
Memoranda:
Average total assets$346,060,3332,021
Average earning assets$320,746,6672,023
Average equity$44,640,3331,842
Average total loans$245,256,3331,933
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9444%1,079
Cost of funding earning assets0.6853%2,994
Net interest margin4.2591%823
Noninterest income to average assets0.4897%2,602
Noninterest expense to average assets3.2214%1,383
Loan and lease loss provision to assets0.0896%2,567
Net operating income to assets1.1204%1,783
Return on assets (ROA)1.1252%1,866
Pretax return on assets1.1252%2,442
Return on Equity (ROE)8.5055%2,310
Retained earnings to average equity (ytd only)1.5079%3,602
Net charge-offs to loans0.1546%836
Credit loss provision to net charge-offs79.7872%1,937
Earnings coverage of net charge-offs (x)10.7766%1,751
Efficiency ratio72.6954%1,973
Assets per employee ($millions)3.5625%4,425
Cash dividends to net income (ytd only)*82.2718%989
Condition Ratios (%)
Loss allowance to loans1.3566%1,880
Loan loss allowance to noncurrent loans45.5874%4,162
Noncurrent assets plus other real estate owned to assets2.2241%338
Noncurrent loans to loans2.9758%367
Net loans and leases to total assets70.4398%2,182
Net loans and leases to deposits82.9155%2,343
Net loans and leases to core deposits88.8504%2,462
Total domestic deposits to total assets84.9537%2,432
Equity capital to assets13.2881%1,309
Core capital (leverage) ratio13.1072%1,167
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.5837%1,055
Memoranda:
Average total assets$334,886,0002,019
Average earning assets$309,925,0002,026
Average equity$44,301,0001,834
Average total loans$243,147,0001,909
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1313%1,150
Cost of funding earning assets0.7843%2,749
Net interest margin4.3470%988
Noninterest income to average assets0.6725%1,912
Noninterest expense to average assets3.3824%1,147
Loan and lease loss provision to assets0.0987%2,075
Net operating income to assets1.1976%2,065
Return on assets (ROA)1.2041%2,135
Pretax return on assets1.2041%2,833
Return on Equity (ROE)9.1548%2,685
Retained earnings to average equity (ytd only)4.1517%2,886
Net charge-offs to loans0.0864%1,886
Credit loss provision to net charge-offs150.2347%1,701
Earnings coverage of net charge-offs (x)19.7277%1,978
Efficiency ratio72.2933%1,828
Assets per employee ($millions)3.4525%4,519
Cash dividends to net income (ytd only)*54.6503%1,814
Condition Ratios (%)
Loss allowance to loans1.3202%1,837
Loan loss allowance to noncurrent loans44.8954%4,184
Noncurrent assets plus other real estate owned to assets2.2825%308
Noncurrent loans to loans2.9406%327
Net loans and leases to total assets72.8289%1,943
Net loans and leases to deposits86.1773%2,069
Net loans and leases to core deposits93.5178%2,113
Total domestic deposits to total assets84.5106%2,678
Equity capital to assets13.1693%1,429
Core capital (leverage) ratio12.3152%1,584
Tier 1 risk-based capital ratio16.7887%2,126
Total risk-based capital ratio18.0387%2,061
Memoranda:
Average total assets$324,149,4002,015
Average earning assets$298,733,4002,034
Average equity$42,633,4001,828
Average total loans$246,560,4001,846
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1516%1,149
Cost of funding earning assets0.7824%2,800
Net interest margin4.3692%1,014
Noninterest income to average assets0.6155%2,129
Noninterest expense to average assets3.3670%1,148
Loan and lease loss provision to assets0.0560%2,789
Net operating income to assets1.2111%2,157
Return on assets (ROA)1.2140%2,220
Pretax return on assets1.2140%2,939
Return on Equity (ROE)9.2334%2,787
Retained earnings to average equity (ytd only)2.5047%4,092
Net charge-offs to loans0.0546%2,051
Credit loss provision to net charge-offs133.6634%1,786
Earnings coverage of net charge-offs (x)30.2483%1,616
Efficiency ratio72.6573%1,744
Assets per employee ($millions)3.3457%4,631
Cash dividends to net income (ytd only)*72.8733%867
Condition Ratios (%)
Loss allowance to loans1.2622%2,159
Loan loss allowance to noncurrent loans40.5698%4,340
Noncurrent assets plus other real estate owned to assets2.5923%252
Noncurrent loans to loans3.1111%306
Net loans and leases to total assets77.6963%1,187
Net loans and leases to deposits93.5467%1,264
Net loans and leases to core deposits101.7421%1,526
Total domestic deposits to total assets83.0562%3,150
Equity capital to assets13.4026%1,403
Core capital (leverage) ratio13.1828%1,264
Tier 1 risk-based capital ratio13.5262%3,560
Total risk-based capital ratio14.5357%3,598
Memoranda:
Average total assets$321,463,5002,034
Average earning assets$295,668,2502,063
Average equity$42,266,0001,853
Average total loans$246,410,0001,859
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1212%1,170
Cost of funding earning assets0.7769%2,761
Net interest margin4.3443%1,055
Noninterest income to average assets0.6587%1,879
Noninterest expense to average assets3.3431%1,206
Loan and lease loss provision to assets0.0311%3,198
Net operating income to assets1.2738%1,869
Return on assets (ROA)1.2738%1,931
Pretax return on assets1.2738%2,659
Return on Equity (ROE)9.7511%2,506
Retained earnings to average equity (ytd only)1.0713%4,415
Net charge-offs to loans0.0303%2,246
Credit loss provision to net charge-offs135.1351%1,616
Earnings coverage of net charge-offs (x)56.7027%1,015
Efficiency ratio71.9256%1,935
Assets per employee ($millions)3.5495%4,436
Cash dividends to net income (ytd only)*89.0137%628
Condition Ratios (%)
Loss allowance to loans1.2901%2,061
Loan loss allowance to noncurrent loans38.8501%4,403
Noncurrent assets plus other real estate owned to assets2.6755%260
Noncurrent loans to loans3.3207%277
Net loans and leases to total assets74.2525%1,847
Net loans and leases to deposits88.8215%1,887
Net loans and leases to core deposits96.2351%2,041
Total domestic deposits to total assets83.5974%3,012
Equity capital to assets12.9878%1,595
Core capital (leverage) ratio12.9078%1,349
Tier 1 risk-based capital ratio13.4869%3,590
Total risk-based capital ratio14.5003%3,618
Memoranda:
Average total assets$321,556,3302,040
Average earning assets$295,283,0002,066
Average equity$42,005,6701,861
Average total loans$244,300,3301,876
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1127%1,078
Cost of funding earning assets0.7637%2,713
Net interest margin4.3490%1,008
Noninterest income to average assets0.5792%2,146
Noninterest expense to average assets3.2433%1,399
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.3339%1,584
Return on assets (ROA)1.3339%1,620
Pretax return on assets1.3339%2,315
Return on Equity (ROE)10.1812%2,284
Retained earnings to average equity (ytd only)-1.3109%4,686
Net charge-offs to loans0.0164%2,139
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)106.4000%644
Efficiency ratio70.8573%2,209
Assets per employee ($millions)3.3387%4,707
Cash dividends to net income (ytd only)*112.8759%508
Condition Ratios (%)
Loss allowance to loans1.2935%2,122
Loan loss allowance to noncurrent loans43.7430%4,380
Noncurrent assets plus other real estate owned to assets2.3912%339
Noncurrent loans to loans2.9569%376
Net loans and leases to total assets74.1321%1,777
Net loans and leases to deposits88.5753%1,796
Net loans and leases to core deposits94.7723%2,052
Total domestic deposits to total assets83.6938%3,151
Equity capital to assets12.9485%1,484
Core capital (leverage) ratio13.0107%1,273
Tier 1 risk-based capital ratio13.4869%3,609
Total risk-based capital ratio14.4967%3,650
Memoranda:
Average total assets$319,058,5002,065
Average earning assets$293,307,0002,087
Average equity$41,802,5001,865
Average total loans$243,629,5001,895
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0798%891
Cost of funding earning assets0.5111%3,282
Net interest margin4.5687%657
Noninterest income to average assets0.6044%2,269
Noninterest expense to average assets3.4236%1,112
Loan and lease loss provision to assets0.0803%2,518
Net operating income to assets1.2910%1,844
Return on assets (ROA)1.2933%1,817
Pretax return on assets1.2933%2,528
Return on Equity (ROE)9.8124%2,598
Retained earnings to average equity (ytd only)6.2061%2,087
Net charge-offs to loans0.0465%2,503
Credit loss provision to net charge-offs224.7706%1,304
Earnings coverage of net charge-offs (x)38.4037%1,355
Efficiency ratio71.4012%1,983
Assets per employee ($millions)3.2736%4,767
Cash dividends to net income (ytd only)*36.7528%2,703
Condition Ratios (%)
Loss allowance to loans1.2933%2,075
Loan loss allowance to noncurrent loans49.1359%4,328
Noncurrent assets plus other real estate owned to assets2.2195%386
Noncurrent loans to loans2.6320%443
Net loans and leases to total assets76.6483%1,499
Net loans and leases to deposits92.0249%1,554
Net loans and leases to core deposits97.0511%1,965
Total domestic deposits to total assets83.2908%3,227
Equity capital to assets13.2599%1,230
Core capital (leverage) ratio13.4565%1,090
Tier 1 risk-based capital ratio13.6757%3,452
Total risk-based capital ratio14.6996%3,478
Memoranda:
Average total assets$305,266,6002,122
Average earning assets$279,992,4002,134
Average equity$40,234,6001,848
Average total loans$234,456,8001,916
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0545%830
Cost of funding earning assets0.4589%3,464
Net interest margin4.5956%604
Noninterest income to average assets0.5975%2,323
Noninterest expense to average assets3.4237%1,085
Loan and lease loss provision to assets0.0990%2,016
Net operating income to assets1.2958%1,876
Return on assets (ROA)1.2989%1,867
Pretax return on assets1.2989%2,636
Return on Equity (ROE)9.8705%2,682
Retained earnings to average equity (ytd only)5.0188%3,224
Net charge-offs to loans0.0517%2,093
Credit loss provision to net charge-offs250.0000%1,176
Earnings coverage of net charge-offs (x)35.2213%1,459
Efficiency ratio71.0529%2,032
Assets per employee ($millions)3.2976%4,774
Cash dividends to net income (ytd only)*49.1532%1,620
Condition Ratios (%)
Loss allowance to loans1.2874%2,155
Loan loss allowance to noncurrent loans52.3217%4,350
Noncurrent assets plus other real estate owned to assets2.1299%485
Noncurrent loans to loans2.4605%537
Net loans and leases to total assets78.0459%1,339
Net loans and leases to deposits95.6815%1,192
Net loans and leases to core deposits102.6868%1,546
Total domestic deposits to total assets81.5685%3,715
Equity capital to assets13.0217%1,328
Core capital (leverage) ratio13.4103%1,134
Tier 1 risk-based capital ratio12.9705%3,929
Total risk-based capital ratio13.9622%3,975
Memoranda:
Average total assets$303,017,2502,142
Average earning assets$278,318,5002,156
Average equity$39,875,5001,863
Average total loans$232,062,5001,936
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0459%734
Cost of funding earning assets0.4273%3,520
Net interest margin4.6187%530
Noninterest income to average assets0.6159%2,242
Noninterest expense to average assets3.4560%1,059
Loan and lease loss provision to assets0.1430%1,353
Net operating income to assets1.2591%1,941
Return on assets (ROA)1.2637%1,923
Pretax return on assets1.2637%2,655
Return on Equity (ROE)9.5687%2,765
Retained earnings to average equity (ytd only)3.6412%3,774
Net charge-offs to loans0.0659%1,681
Credit loss provision to net charge-offs286.6667%1,038
Earnings coverage of net charge-offs (x)28.1067%1,564
Efficiency ratio71.1391%2,137
Assets per employee ($millions)3.2306%4,900
Cash dividends to net income (ytd only)*61.9474%1,248
Condition Ratios (%)
Loss allowance to loans1.3448%1,969
Loan loss allowance to noncurrent loans52.2235%4,380
Noncurrent assets plus other real estate owned to assets2.2524%418
Noncurrent loans to loans2.5751%496
Net loans and leases to total assets76.3108%1,586
Net loans and leases to deposits89.9284%1,849
Net loans and leases to core deposits98.1350%1,880
Total domestic deposits to total assets84.8574%2,725
Equity capital to assets13.1412%1,243
Core capital (leverage) ratio13.3399%1,121
Tier 1 risk-based capital ratio13.2978%3,735
Total risk-based capital ratio14.3327%3,773
Memoranda:
Average total assets$300,698,3302,167
Average earning assets$276,182,0002,184
Average equity$39,712,6701,872
Average total loans$227,724,3301,968
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8468%983
Cost of funding earning assets0.4233%3,416
Net interest margin4.4235%730
Noninterest income to average assets0.6096%2,213
Noninterest expense to average assets3.5266%955
Loan and lease loss provision to assets0.1136%1,663
Net operating income to assets1.0347%2,716
Return on assets (ROA)1.0441%2,689
Pretax return on assets1.0441%3,379
Return on Equity (ROE)7.8858%3,425
Retained earnings to average equity (ytd only)0.7573%4,676
Net charge-offs to loans0.1267%1,036
Credit loss provision to net charge-offs119.7183%1,378
Earnings coverage of net charge-offs (x)12.0986%1,816
Efficiency ratio75.4361%1,682
Assets per employee ($millions)3.2252%4,971
Cash dividends to net income (ytd only)*90.3969%683
Condition Ratios (%)
Loss allowance to loans1.3621%1,981
Loan loss allowance to noncurrent loans56.4279%4,322
Noncurrent assets plus other real estate owned to assets2.0754%533
Noncurrent loans to loans2.4139%574
Net loans and leases to total assets72.4468%2,096
Net loans and leases to deposits83.5326%2,447
Net loans and leases to core deposits90.0178%2,449
Total domestic deposits to total assets86.7287%2,228
Equity capital to assets12.9956%1,248
Core capital (leverage) ratio13.1569%1,121
Tier 1 risk-based capital ratio13.9496%3,405
Total risk-based capital ratio15.0088%3,415
Memoranda:
Average total assets$299,208,0002,199
Average earning assets$274,985,0002,210
Average equity$39,615,5001,886
Average total loans$224,137,0002,006
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7712%1,030
Cost of funding earning assets0.3029%4,117
Net interest margin4.4684%668
Noninterest income to average assets0.6599%2,138
Noninterest expense to average assets3.5171%1,004
Loan and lease loss provision to assets0.1061%2,111
Net operating income to assets1.1321%1,745
Return on assets (ROA)1.1415%1,744
Pretax return on assets1.1415%3,016
Return on Equity (ROE)8.5052%2,537
Retained earnings to average equity (ytd only)4.0362%2,761
Net charge-offs to loans0.0627%2,580
Credit loss provision to net charge-offs232.5758%1,194
Earnings coverage of net charge-offs (x)27.1364%1,646
Efficiency ratio73.9605%1,896
Assets per employee ($millions)3.1747%5,057
Cash dividends to net income (ytd only)*52.5439%2,149
Condition Ratios (%)
Loss allowance to loans1.3386%2,030
Loan loss allowance to noncurrent loans45.5574%4,572
Noncurrent assets plus other real estate owned to assets2.5433%363
Noncurrent loans to loans2.9384%386
Net loans and leases to total assets75.3894%1,697
Net loans and leases to deposits89.4964%1,838
Net loans and leases to core deposits94.6742%2,138
Total domestic deposits to total assets84.2374%3,114
Equity capital to assets13.4913%1,068
Core capital (leverage) ratio13.5861%938
Tier 1 risk-based capital ratio13.7038%3,521
Total risk-based capital ratio14.7417%3,545
Memoranda:
Average total assets$289,274,0002,225
Average earning assets$265,131,4002,248
Average equity$38,823,4001,905
Average total loans$210,557,2002,070
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7035%1,125
Cost of funding earning assets0.2939%4,187
Net interest margin4.4096%717
Noninterest income to average assets0.6885%2,046
Noninterest expense to average assets3.4766%1,032
Loan and lease loss provision to assets0.0287%3,552
Net operating income to assets1.2217%1,602
Return on assets (ROA)1.2342%1,592
Pretax return on assets1.2342%2,770
Return on Equity (ROE)9.2087%2,493
Retained earnings to average equity (ytd only)3.2148%4,010
Net charge-offs to loans0.0116%3,317
Credit loss provision to net charge-offs344.4444%877
Earnings coverage of net charge-offs (x)149.9408%534
Efficiency ratio73.5470%1,965
Assets per employee ($millions)3.1291%5,151
Cash dividends to net income (ytd only)*65.0901%1,146
Condition Ratios (%)
Loss allowance to loans1.3219%2,251
Loan loss allowance to noncurrent loans39.6677%4,763
Noncurrent assets plus other real estate owned to assets2.7550%346
Noncurrent loans to loans3.3325%347
Net loans and leases to total assets74.1078%1,894
Net loans and leases to deposits87.1869%2,159
Net loans and leases to core deposits92.3845%2,403
Total domestic deposits to total assets84.9988%2,715
Equity capital to assets13.5332%1,143
Core capital (leverage) ratio13.5682%1,001
Tier 1 risk-based capital ratio13.8145%3,526
Total risk-based capital ratio14.8318%3,574
Memoranda:
Average total assets$287,781,7502,251
Average earning assets$263,568,0002,277
Average equity$38,571,2501,932
Average total loans$206,796,0002,115
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6197%1,216
Cost of funding earning assets0.2841%4,245
Net interest margin4.3356%790
Noninterest income to average assets0.7025%1,980
Noninterest expense to average assets3.4286%1,114
Loan and lease loss provision to assets0.0363%3,278
Net operating income to assets1.2082%1,567
Return on assets (ROA)1.2235%1,563
Pretax return on assets1.2235%2,685
Return on Equity (ROE)9.1590%2,433
Retained earnings to average equity (ytd only)1.6605%4,596
Net charge-offs to loans-0.0168%4,709
Credit loss provision to net charge-offs-305.8824%4,565
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3692%2,115
Assets per employee ($millions)3.0430%5,226
Cash dividends to net income (ytd only)*81.8700%807
Condition Ratios (%)
Loss allowance to loans1.4141%1,889
Loan loss allowance to noncurrent loans34.1858%4,896
Noncurrent assets plus other real estate owned to assets3.2366%269
Noncurrent loans to loans4.1365%222
Net loans and leases to total assets71.0222%2,370
Net loans and leases to deposits82.5056%2,653
Net loans and leases to core deposits86.5899%2,825
Total domestic deposits to total assets86.0817%2,345
Equity capital to assets13.5373%1,131
Core capital (leverage) ratio13.4932%1,001
Tier 1 risk-based capital ratio14.2506%3,288
Total risk-based capital ratio15.3257%3,310
Memoranda:
Average total assets$286,708,0002,264
Average earning assets$262,572,6702,286
Average equity$38,301,0001,941
Average total loans$202,879,6702,143
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5743%1,202
Cost of funding earning assets0.2769%4,283
Net interest margin4.2974%790
Noninterest income to average assets0.6647%2,122
Noninterest expense to average assets3.4671%1,089
Loan and lease loss provision to assets0.0348%3,089
Net operating income to assets1.0995%1,873
Return on assets (ROA)1.0995%1,914
Pretax return on assets1.0995%2,990
Return on Equity (ROE)8.2855%2,773
Retained earnings to average equity (ytd only)-2.5098%5,221
Net charge-offs to loans0.0040%2,836
Credit loss provision to net charge-offs1,250.0000%254
Earnings coverage of net charge-offs (x)407.0000%141
Efficiency ratio75.3483%2,012
Assets per employee ($millions)2.9989%5,353
Cash dividends to net income (ytd only)*130.2915%480
Condition Ratios (%)
Loss allowance to loans1.4319%1,937
Loan loss allowance to noncurrent loans34.6712%4,957
Noncurrent assets plus other real estate owned to assets3.2001%296
Noncurrent loans to loans4.1300%245
Net loans and leases to total assets68.5738%2,594
Net loans and leases to deposits79.3108%2,830
Net loans and leases to core deposits83.1993%2,976
Total domestic deposits to total assets86.4622%2,461
Equity capital to assets13.2096%1,181
Core capital (leverage) ratio13.0885%1,107
Tier 1 risk-based capital ratio14.2886%3,323
Total risk-based capital ratio15.3652%3,330
Memoranda:
Average total assets$287,042,0002,278
Average earning assets$262,947,5002,297
Average equity$38,090,5001,955
Average total loans$201,286,5002,168
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6749%1,105
Cost of funding earning assets0.2764%4,295
Net interest margin4.3984%778
Noninterest income to average assets0.6596%2,372
Noninterest expense to average assets3.4370%1,284
Loan and lease loss provision to assets0.2045%1,115
Net operating income to assets1.0440%2,166
Return on assets (ROA)1.0471%2,256
Pretax return on assets1.0471%3,307
Return on Equity (ROE)8.0255%2,917
Retained earnings to average equity (ytd only)4.3355%2,816
Net charge-offs to loans0.1836%1,509
Credit loss provision to net charge-offs156.9149%1,754
Earnings coverage of net charge-offs (x)9.5798%2,742
Efficiency ratio73.3540%2,368
Assets per employee ($millions)2.9811%5,366
Cash dividends to net income (ytd only)*45.9782%2,528
Condition Ratios (%)
Loss allowance to loans1.4064%2,050
Loan loss allowance to noncurrent loans35.3548%4,996
Noncurrent assets plus other real estate owned to assets3.0683%319
Noncurrent loans to loans3.9781%265
Net loans and leases to total assets69.6880%2,530
Net loans and leases to deposits80.7085%2,814
Net loans and leases to core deposits84.5241%2,976
Total domestic deposits to total assets86.3453%2,438
Equity capital to assets13.3308%1,120
Core capital (leverage) ratio13.4449%990
Tier 1 risk-based capital ratio14.3619%3,250
Total risk-based capital ratio15.4286%3,288
Memoranda:
Average total assets$288,509,2002,231
Average earning assets$264,070,6002,252
Average equity$37,642,6001,943
Average total loans$204,786,8002,082
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6951%1,075
Cost of funding earning assets0.2796%4,297
Net interest margin4.4154%754
Noninterest income to average assets0.6821%2,254
Noninterest expense to average assets3.4540%1,239
Loan and lease loss provision to assets0.2675%673
Net operating income to assets1.0027%2,420
Return on assets (ROA)1.0027%2,558
Pretax return on assets1.0027%3,618
Return on Equity (ROE)7.7264%3,163
Retained earnings to average equity (ytd only)2.7899%4,221
Net charge-offs to loans0.2155%1,077
Credit loss provision to net charge-offs174.6988%1,595
Earnings coverage of net charge-offs (x)8.2951%2,782
Efficiency ratio73.1133%2,419
Assets per employee ($millions)2.8754%5,489
Cash dividends to net income (ytd only)*63.8914%1,273
Condition Ratios (%)
Loss allowance to loans1.4021%2,190
Loan loss allowance to noncurrent loans35.5696%5,067
Noncurrent assets plus other real estate owned to assets3.1343%353
Noncurrent loans to loans3.9418%282
Net loans and leases to total assets71.8482%2,218
Net loans and leases to deposits84.6280%2,413
Net loans and leases to core deposits88.8064%2,682
Total domestic deposits to total assets84.8989%2,851
Equity capital to assets13.5716%1,211
Core capital (leverage) ratio13.2714%1,082
Tier 1 risk-based capital ratio13.7697%3,687
Total risk-based capital ratio14.8280%3,728
Memoranda:
Average total assets$289,089,7502,232
Average earning assets$264,640,2502,263
Average equity$37,515,5001,965
Average total loans$205,412,7502,085
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6601%1,143
Cost of funding earning assets0.2830%4,314
Net interest margin4.3770%798
Noninterest income to average assets0.6730%2,257
Noninterest expense to average assets3.4577%1,250
Loan and lease loss provision to assets0.3327%496
Net operating income to assets0.8823%2,954
Return on assets (ROA)0.8823%3,076
Pretax return on assets0.8823%4,020
Return on Equity (ROE)6.9004%3,605
Retained earnings to average equity (ytd only)0.4132%5,177
Net charge-offs to loans0.3213%736
Credit loss provision to net charge-offs146.9697%1,619
Earnings coverage of net charge-offs (x)5.3667%2,868
Efficiency ratio73.9979%2,360
Assets per employee ($millions)2.8593%5,569
Cash dividends to net income (ytd only)*94.0124%607
Condition Ratios (%)
Loss allowance to loans1.3711%2,426
Loan loss allowance to noncurrent loans29.3882%5,288
Noncurrent assets plus other real estate owned to assets3.7300%268
Noncurrent loans to loans4.6655%205
Net loans and leases to total assets70.0905%2,465
Net loans and leases to deposits81.1154%2,801
Net loans and leases to core deposits84.9863%2,990
Total domestic deposits to total assets86.4084%2,212
Equity capital to assets13.1856%1,399
Core capital (leverage) ratio12.6312%1,291
Tier 1 risk-based capital ratio13.3398%3,995
Total risk-based capital ratio14.3515%4,061
Memoranda:
Average total assets$291,524,0002,234
Average earning assets$266,390,6702,256
Average equity$37,273,0001,978
Average total loans$205,437,6702,093
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6245%1,201
Cost of funding earning assets0.2911%4,268
Net interest margin4.3334%861
Noninterest income to average assets0.6523%2,254
Noninterest expense to average assets3.3813%1,421
Loan and lease loss provision to assets0.2174%886
Net operating income to assets1.0193%2,194
Return on assets (ROA)1.0193%2,314
Pretax return on assets1.0193%3,404
Return on Equity (ROE)8.0952%2,857
Retained earnings to average equity (ytd only)-1.0578%5,285
Net charge-offs to loans0.6061%366
Credit loss provision to net charge-offs51.1182%2,043
Earnings coverage of net charge-offs (x)2.9073%2,616
Efficiency ratio73.2195%2,603
Assets per employee ($millions)2.8972%5,600
Cash dividends to net income (ytd only)*113.0667%583
Condition Ratios (%)
Loss allowance to loans1.2095%3,426
Loan loss allowance to noncurrent loans43.1482%4,995
Noncurrent assets plus other real estate owned to assets2.2676%705
Noncurrent loans to loans2.8031%620
Net loans and leases to total assets68.4929%2,584
Net loans and leases to deposits80.1905%2,765
Net loans and leases to core deposits84.2630%2,912
Total domestic deposits to total assets85.4127%2,948
Equity capital to assets12.5762%1,635
Core capital (leverage) ratio12.1432%1,528
Tier 1 risk-based capital ratio13.1800%4,151
Total risk-based capital ratio14.0730%4,291
Memoranda:
Average total assets$294,323,0002,220
Average earning assets$269,349,0002,247
Average equity$37,059,0001,981
Average total loans$206,560,0002,085
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7043%1,098
Cost of funding earning assets0.2691%4,598
Net interest margin4.4352%741
Noninterest income to average assets0.5818%2,823
Noninterest expense to average assets3.3898%1,506
Loan and lease loss provision to assets0.0203%3,991
Net operating income to assets1.2715%1,337
Return on assets (ROA)1.2719%1,388
Pretax return on assets1.2719%2,390
Return on Equity (ROE)10.4626%1,820
Retained earnings to average equity (ytd only)4.4100%2,840
Net charge-offs to loans0.0331%3,547
Credit loss provision to net charge-offs86.9565%2,817
Earnings coverage of net charge-offs (x)55.3188%932
Efficiency ratio72.4066%2,841
Assets per employee ($millions)2.8460%5,664
Cash dividends to net income (ytd only)*57.8499%1,853
Condition Ratios (%)
Loss allowance to loans1.2635%3,091
Loan loss allowance to noncurrent loans67.7394%4,443
Noncurrent assets plus other real estate owned to assets1.4577%1,409
Noncurrent loans to loans1.8652%1,153
Net loans and leases to total assets70.1407%2,345
Net loans and leases to deposits82.2020%2,564
Net loans and leases to core deposits86.4164%2,767
Total domestic deposits to total assets85.3272%2,935
Equity capital to assets12.6065%1,562
Core capital (leverage) ratio12.3780%1,409
Tier 1 risk-based capital ratio13.3876%4,061
Total risk-based capital ratio14.3481%4,163
Memoranda:
Average total assets$295,470,8002,174
Average earning assets$273,131,6002,182
Average equity$35,918,4001,989
Average total loans$208,258,4002,006
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7500%1,016
Cost of funding earning assets0.2685%4,681
Net interest margin4.4815%679
Noninterest income to average assets0.5440%3,080
Noninterest expense to average assets3.2966%1,698
Loan and lease loss provision to assets0.0135%3,999
Net operating income to assets1.3830%1,150
Return on assets (ROA)1.3830%1,201
Pretax return on assets1.3830%2,084
Return on Equity (ROE)11.4824%1,532
Retained earnings to average equity (ytd only)3.3539%4,084
Net charge-offs to loans0.0391%3,109
Credit loss provision to net charge-offs49.1803%3,047
Earnings coverage of net charge-offs (x)50.8368%1,034
Efficiency ratio70.2428%3,171
Assets per employee ($millions)2.8823%5,677
Cash dividends to net income (ytd only)*70.7912%993
Condition Ratios (%)
Loss allowance to loans1.2233%3,526
Loan loss allowance to noncurrent loans108.2124%3,513
Noncurrent assets plus other real estate owned to assets0.9091%2,597
Noncurrent loans to loans1.1304%2,247
Net loans and leases to total assets70.9633%2,240
Net loans and leases to deposits83.9058%2,420
Net loans and leases to core deposits88.1408%2,651
Total domestic deposits to total assets84.5749%3,186
Equity capital to assets12.2306%1,925
Core capital (leverage) ratio12.1303%1,602
Tier 1 risk-based capital ratio12.7568%4,573
Total risk-based capital ratio13.6817%4,716
Memoranda:
Average total assets$296,054,7502,186
Average earning assets$274,095,5002,192
Average equity$35,659,5002,008
Average total loans$208,263,5002,015
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7157%1,041
Cost of funding earning assets0.2673%4,747
Net interest margin4.4483%696
Noninterest income to average assets0.4923%3,432
Noninterest expense to average assets3.2572%1,827
Loan and lease loss provision to assets0.0135%3,850
Net operating income to assets1.3625%1,157
Return on assets (ROA)1.3625%1,202
Pretax return on assets1.3625%2,138
Return on Equity (ROE)11.3705%1,566
Retained earnings to average equity (ytd only)1.1004%5,129
Net charge-offs to loans0.0445%2,806
Credit loss provision to net charge-offs43.4783%2,773
Earnings coverage of net charge-offs (x)44.2391%1,051
Efficiency ratio70.3006%3,286
Assets per employee ($millions)2.8797%5,732
Cash dividends to net income (ytd only)*90.3226%705
Condition Ratios (%)
Loss allowance to loans1.2832%3,333
Loan loss allowance to noncurrent loans117.0098%3,337
Noncurrent assets plus other real estate owned to assets0.8583%2,841
Noncurrent loans to loans1.0967%2,460
Net loans and leases to total assets68.4604%2,575
Net loans and leases to deposits78.2891%2,993
Net loans and leases to core deposits82.0088%3,173
Total domestic deposits to total assets87.4456%1,930
Equity capital to assets12.0417%1,993
Core capital (leverage) ratio11.7746%1,791
Tier 1 risk-based capital ratio13.0588%4,485
Total risk-based capital ratio14.0263%4,554
Memoranda:
Average total assets$295,780,0002,201
Average earning assets$275,338,3302,194
Average equity$35,442,6702,027
Average total loans$206,590,0002,035
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7103%1,015
Cost of funding earning assets0.2681%4,817
Net interest margin4.4422%671
Noninterest income to average assets0.4879%3,367
Noninterest expense to average assets3.2466%1,853
Loan and lease loss provision to assets0.0135%3,549
Net operating income to assets1.3585%1,119
Return on assets (ROA)1.3585%1,183
Pretax return on assets1.3585%2,039
Return on Equity (ROE)11.3645%1,531
Retained earnings to average equity (ytd only)-1.4657%5,612
Net charge-offs to loans0.0077%3,071
Credit loss provision to net charge-offs250.0000%913
Earnings coverage of net charge-offs (x)254.5000%222
Efficiency ratio70.2947%3,430
Assets per employee ($millions)2.9420%5,746
Cash dividends to net income (ytd only)*112.8968%571
Condition Ratios (%)
Loss allowance to loans1.2826%3,501
Loan loss allowance to noncurrent loans145.2002%2,861
Noncurrent assets plus other real estate owned to assets0.9580%2,709
Noncurrent loans to loans0.8833%3,037
Net loans and leases to total assets67.2328%2,568
Net loans and leases to deposits76.5443%2,986
Net loans and leases to core deposits80.3004%3,124
Total domestic deposits to total assets87.8352%1,908
Equity capital to assets11.7081%2,284
Core capital (leverage) ratio11.5429%1,965
Tier 1 risk-based capital ratio13.0268%4,589
Total risk-based capital ratio14.0132%4,663
Memoranda:
Average total assets$296,805,5002,215
Average earning assets$275,988,5002,203
Average equity$35,479,0002,037
Average total loans$208,034,0002,026
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2492%477
Cost of funding earning assets0.3110%4,670
Net interest margin4.9382%336
Noninterest income to average assets0.7271%2,175
Noninterest expense to average assets3.4974%1,488
Loan and lease loss provision to assets0.0138%4,340
Net operating income to assets1.7648%508
Return on assets (ROA)1.7710%516
Pretax return on assets1.7710%845
Return on Equity (ROE)15.3748%714
Retained earnings to average equity (ytd only)8.3488%891
Net charge-offs to loans0.0684%3,500
Credit loss provision to net charge-offs28.7770%3,851
Earnings coverage of net charge-offs (x)37.2014%1,151
Efficiency ratio66.2885%4,201
Assets per employee ($millions)2.9058%5,822
Cash dividends to net income (ytd only)*45.6982%2,524
Condition Ratios (%)
Loss allowance to loans1.2595%3,671
Loan loss allowance to noncurrent loans149.7166%2,821
Noncurrent assets plus other real estate owned to assets0.9897%2,776
Noncurrent loans to loans0.8413%3,213
Net loans and leases to total assets71.2518%2,041
Net loans and leases to deposits81.6053%2,526
Net loans and leases to core deposits86.2271%2,661
Total domestic deposits to total assets87.3127%2,121
Equity capital to assets12.2096%1,852
Core capital (leverage) ratio12.0045%1,609
Tier 1 risk-based capital ratio15.9377%2,994
Total risk-based capital ratio17.1373%2,968
Memoranda:
Average total assets$290,734,4002,208
Average earning assets$267,809,8002,213
Average equity$33,489,8002,079
Average total loans$203,261,6002,013
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2707%459
Cost of funding earning assets0.3165%4,714
Net interest margin4.9543%326
Noninterest income to average assets0.8524%1,689
Noninterest expense to average assets3.5000%1,459
Loan and lease loss provision to assets0.0138%4,139
Net operating income to assets1.8970%422
Return on assets (ROA)1.9052%429
Pretax return on assets1.9052%713
Return on Equity (ROE)16.7913%579
Retained earnings to average equity (ytd only)7.2823%1,684
Net charge-offs to loans-0.0284%5,719
Credit loss provision to net charge-offs-69.7674%5,389
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6864%4,436
Assets per employee ($millions)2.9800%5,747
Cash dividends to net income (ytd only)*56.6305%1,528
Condition Ratios (%)
Loss allowance to loans1.3432%3,431
Loan loss allowance to noncurrent loans105.1570%3,544
Noncurrent assets plus other real estate owned to assets1.4710%2,096
Noncurrent loans to loans1.2774%2,505
Net loans and leases to total assets70.7710%2,062
Net loans and leases to deposits80.7979%2,574
Net loans and leases to core deposits85.3433%2,741
Total domestic deposits to total assets87.5901%1,985
Equity capital to assets11.7538%2,259
Core capital (leverage) ratio11.6555%1,936
Tier 1 risk-based capital ratio15.3791%3,384
Total risk-based capital ratio16.6295%3,320
Memoranda:
Average total assets$290,772,5002,222
Average earning assets$267,533,5002,226
Average equity$32,992,5002,113
Average total loans$201,655,5002,042
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3472%405
Cost of funding earning assets0.3227%4,729
Net interest margin5.0245%270
Noninterest income to average assets0.7543%2,027
Noninterest expense to average assets3.5337%1,417
Loan and lease loss provision to assets0.0069%4,100
Net operating income to assets1.8364%456
Return on assets (ROA)1.8364%470
Pretax return on assets1.8364%785
Return on Equity (ROE)16.3820%615
Retained earnings to average equity (ytd only)5.7822%2,464
Net charge-offs to loans-0.0844%6,091
Credit loss provision to net charge-offs-11.9048%5,083
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.7187%4,402
Assets per employee ($millions)3.0825%5,620
Cash dividends to net income (ytd only)*64.7037%1,335
Condition Ratios (%)
Loss allowance to loans1.3962%3,370
Loan loss allowance to noncurrent loans113.4454%3,353
Noncurrent assets plus other real estate owned to assets1.7752%1,828
Noncurrent loans to loans1.2308%2,772
Net loans and leases to total assets67.6571%2,470
Net loans and leases to deposits76.7090%2,962
Net loans and leases to core deposits81.1693%3,082
Total domestic deposits to total assets88.1997%1,792
Equity capital to assets11.3045%2,607
Core capital (leverage) ratio11.2920%2,162
Tier 1 risk-based capital ratio15.2033%3,525
Total risk-based capital ratio16.4541%3,470
Memoranda:
Average total assets$290,349,3302,225
Average earning assets$267,131,6702,229
Average equity$32,548,0002,127
Average total loans$199,042,3302,054
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9289%823
Cost of funding earning assets0.3286%4,752
Net interest margin4.6003%549
Noninterest income to average assets0.6718%2,339
Noninterest expense to average assets3.3996%1,703
Loan and lease loss provision to assets0.0139%3,647
Net operating income to assets1.5037%812
Return on assets (ROA)1.5037%843
Pretax return on assets1.5037%1,418
Return on Equity (ROE)13.4721%1,044
Retained earnings to average equity (ytd only)1.8320%4,866
Net charge-offs to loans0.0020%3,633
Credit loss provision to net charge-offs1,000.0000%304
Earnings coverage of net charge-offs (x)1,091.0000%21
Efficiency ratio69.1372%3,976
Assets per employee ($millions)3.0125%5,844
Cash dividends to net income (ytd only)*86.4015%867
Condition Ratios (%)
Loss allowance to loans1.3624%3,779
Loan loss allowance to noncurrent loans68.1030%4,555
Noncurrent assets plus other real estate owned to assets2.3988%1,352
Noncurrent loans to loans2.0004%1,865
Net loans and leases to total assets67.4418%2,310
Net loans and leases to deposits76.0981%2,801
Net loans and leases to core deposits80.3927%2,924
Total domestic deposits to total assets88.6247%1,879
Equity capital to assets10.9515%2,762
Core capital (leverage) ratio11.0266%2,358
Tier 1 risk-based capital ratio14.8537%3,784
Total risk-based capital ratio16.1038%3,739
Memoranda:
Average total assets$287,565,5002,249
Average earning assets$265,374,0002,248
Average equity$32,096,0002,148
Average total loans$197,041,5002,081
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1848%663
Cost of funding earning assets0.3890%4,762
Net interest margin4.7958%435
Noninterest income to average assets0.6905%2,594
Noninterest expense to average assets3.5380%1,572
Loan and lease loss provision to assets0.1850%1,989
Net operating income to assets1.3652%1,099
Return on assets (ROA)1.3652%1,146
Pretax return on assets1.3652%1,913
Return on Equity (ROE)12.2207%1,348
Retained earnings to average equity (ytd only)9.1173%749
Net charge-offs to loans0.4159%1,610
Credit loss provision to net charge-offs63.8166%3,456
Earnings coverage of net charge-offs (x)5.3470%3,324
Efficiency ratio69.5333%3,915
Assets per employee ($millions)2.8562%6,031
Cash dividends to net income (ytd only)*25.3947%3,490
Condition Ratios (%)
Loss allowance to loans1.4259%3,527
Loan loss allowance to noncurrent loans65.8894%4,633
Noncurrent assets plus other real estate owned to assets2.7681%1,195
Noncurrent loans to loans2.1641%1,812
Net loans and leases to total assets67.6967%2,407
Net loans and leases to deposits76.8234%2,880
Net loans and leases to core deposits81.5786%2,949
Total domestic deposits to total assets88.1198%2,107
Equity capital to assets11.3825%2,249
Core capital (leverage) ratio11.5944%1,891
Tier 1 risk-based capital ratio15.4038%3,427
Total risk-based capital ratio16.6545%3,373
Memoranda:
Average total assets$278,349,6002,285
Average earning assets$255,246,2002,284
Average equity$31,094,8002,185
Average total loans$194,022,0002,058
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2240%613
Cost of funding earning assets0.4022%4,803
Net interest margin4.8218%411
Noninterest income to average assets0.7257%2,483
Noninterest expense to average assets3.5179%1,575
Loan and lease loss provision to assets0.2063%1,761
Net operating income to assets1.4174%1,061
Return on assets (ROA)1.4174%1,113
Pretax return on assets1.4174%1,880
Return on Equity (ROE)12.7490%1,297
Retained earnings to average equity (ytd only)8.5857%1,203
Net charge-offs to loans0.1008%3,537
Credit loss provision to net charge-offs292.5170%874
Earnings coverage of net charge-offs (x)23.0266%1,475
Efficiency ratio68.4206%4,007
Assets per employee ($millions)2.7820%6,186
Cash dividends to net income (ytd only)*32.6564%2,582
Condition Ratios (%)
Loss allowance to loans1.6858%2,673
Loan loss allowance to noncurrent loans47.3039%5,338
Noncurrent assets plus other real estate owned to assets4.2321%728
Noncurrent loans to loans3.5637%1,065
Net loans and leases to total assets70.2169%1,924
Net loans and leases to deposits79.8232%2,435
Net loans and leases to core deposits84.7919%2,568
Total domestic deposits to total assets87.9656%2,154
Equity capital to assets11.3173%2,455
Core capital (leverage) ratio11.2666%2,233
Tier 1 risk-based capital ratio14.9220%3,805
Total risk-based capital ratio16.1762%3,750
Memoranda:
Average total assets$277,961,2502,296
Average earning assets$254,562,0002,297
Average equity$30,903,5002,221
Average total loans$194,471,0002,055
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2244%608
Cost of funding earning assets0.4152%4,806
Net interest margin4.8092%427
Noninterest income to average assets0.6901%2,687
Noninterest expense to average assets3.4339%1,750
Loan and lease loss provision to assets0.0251%4,417
Net operating income to assets1.6427%687
Return on assets (ROA)1.6427%755
Pretax return on assets1.6427%1,248
Return on Equity (ROE)14.8631%831
Retained earnings to average equity (ytd only)10.0731%829
Net charge-offs to loans0.0506%3,963
Credit loss provision to net charge-offs71.4286%2,789
Earnings coverage of net charge-offs (x)47.4490%828
Efficiency ratio67.3088%4,311
Assets per employee ($millions)3.0560%5,757
Cash dividends to net income (ytd only)*32.2271%2,582
Condition Ratios (%)
Loss allowance to loans1.5179%3,504
Loan loss allowance to noncurrent loans60.1754%4,790
Noncurrent assets plus other real estate owned to assets3.4598%1,119
Noncurrent loans to loans2.5225%1,833
Net loans and leases to total assets68.9189%2,077
Net loans and leases to deposits77.9909%2,574
Net loans and leases to core deposits82.1693%2,783
Total domestic deposits to total assets88.3679%2,002
Equity capital to assets10.9129%2,834
Core capital (leverage) ratio10.9042%2,449
Tier 1 risk-based capital ratio14.4223%4,146
Total risk-based capital ratio15.6744%4,108
Memoranda:
Average total assets$278,809,0002,297
Average earning assets$255,762,3302,299
Average equity$30,814,6702,235
Average total loans$193,726,0002,062
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2463%556
Cost of funding earning assets0.4506%4,588
Net interest margin4.7957%408
Noninterest income to average assets0.7330%2,413
Noninterest expense to average assets3.4320%1,760
Loan and lease loss provision to assets0.0145%4,271
Net operating income to assets1.6805%611
Return on assets (ROA)1.6805%674
Pretax return on assets1.6805%1,124
Return on Equity (ROE)15.1069%745
Retained earnings to average equity (ytd only)15.1069%344
Net charge-offs to loans0.0984%2,871
Credit loss provision to net charge-offs21.2766%3,019
Earnings coverage of net charge-offs (x)24.8936%1,063
Efficiency ratio66.9398%4,500
Assets per employee ($millions)3.0040%5,977
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.5519%3,607
Loan loss allowance to noncurrent loans62.4818%4,610
Noncurrent assets plus other real estate owned to assets3.4089%1,269
Noncurrent loans to loans2.4838%2,079
Net loans and leases to total assets67.3050%2,140
Net loans and leases to deposits76.0221%2,635
Net loans and leases to core deposits80.1390%2,787
Total domestic deposits to total assets88.5335%1,980
Equity capital to assets11.0628%2,887
Core capital (leverage) ratio11.0088%2,254
Tier 1 risk-based capital ratio14.5442%4,145
Total risk-based capital ratio15.7964%4,106
Memoranda:
Average total assets$276,111,0002,336
Average earning assets$252,979,0002,349
Average equity$30,714,5002,260
Average total loans$191,144,0002,096
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6787%447
Cost of funding earning assets0.5299%4,994
Net interest margin5.1489%297
Noninterest income to average assets0.6631%2,921
Noninterest expense to average assets3.5350%1,746
Loan and lease loss provision to assets0.2837%2,387
Net operating income to assets1.5064%904
Return on assets (ROA)1.5064%996
Pretax return on assets1.5064%1,653
Return on Equity (ROE)13.1428%1,193
Retained earnings to average equity (ytd only)5.4585%2,408
Net charge-offs to loans0.4813%2,316
Credit loss provision to net charge-offs84.6774%3,674
Earnings coverage of net charge-offs (x)5.3433%3,067
Efficiency ratio66.3840%4,427
Assets per employee ($millions)3.1377%5,770
Cash dividends to net income (ytd only)*58.4678%1,884
Condition Ratios (%)
Loss allowance to loans1.6028%3,300
Loan loss allowance to noncurrent loans74.6860%4,108
Noncurrent assets plus other real estate owned to assets3.3868%1,356
Noncurrent loans to loans2.1460%2,527
Net loans and leases to total assets69.0045%2,033
Net loans and leases to deposits78.4736%2,469
Net loans and leases to core deposits82.7727%2,687
Total domestic deposits to total assets87.9333%2,281
Equity capital to assets11.1880%2,749
Core capital (leverage) ratio11.0443%2,219
Tier 1 risk-based capital ratio14.2166%4,232
Total risk-based capital ratio15.4690%4,184
Memoranda:
Average total assets$259,096,8002,446
Average earning assets$234,594,0002,458
Average equity$29,696,8002,267
Average total loans$180,357,6002,198
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6002%556
Cost of funding earning assets0.5341%5,220
Net interest margin5.0661%363
Noninterest income to average assets0.6755%2,844
Noninterest expense to average assets3.4148%1,969
Loan and lease loss provision to assets0.2574%2,514
Net operating income to assets1.5948%857
Return on assets (ROA)1.5948%956
Pretax return on assets1.5948%1,591
Return on Equity (ROE)13.8273%1,144
Retained earnings to average equity (ytd only)8.8410%1,289
Net charge-offs to loans0.5860%1,875
Credit loss provision to net charge-offs63.2184%4,067
Earnings coverage of net charge-offs (x)4.5492%3,274
Efficiency ratio64.8336%4,651
Assets per employee ($millions)3.0147%6,030
Cash dividends to net income (ytd only)*36.0613%2,362
Condition Ratios (%)
Loss allowance to loans1.5426%3,761
Loan loss allowance to noncurrent loans68.7037%4,268
Noncurrent assets plus other real estate owned to assets3.5640%1,402
Noncurrent loans to loans2.2453%2,563
Net loans and leases to total assets70.8510%1,752
Net loans and leases to deposits80.8953%2,264
Net loans and leases to core deposits85.9235%2,474
Total domestic deposits to total assets87.5836%2,300
Equity capital to assets11.8259%2,413
Core capital (leverage) ratio11.3773%2,071
Tier 1 risk-based capital ratio14.6516%4,087
Total risk-based capital ratio15.9034%4,050
Memoranda:
Average total assets$256,410,5002,493
Average earning assets$232,390,0002,502
Average equity$29,573,5002,293
Average total loans$178,138,0002,257
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5545%635
Cost of funding earning assets0.5309%5,427
Net interest margin5.0237%388
Noninterest income to average assets0.6662%2,860
Noninterest expense to average assets3.3994%2,036
Loan and lease loss provision to assets0.2036%3,038
Net operating income to assets1.6198%810
Return on assets (ROA)1.6198%897
Pretax return on assets1.6198%1,490
Return on Equity (ROE)14.1657%1,076
Retained earnings to average equity (ytd only)9.0650%1,254
Net charge-offs to loans0.8464%1,310
Credit loss provision to net charge-offs35.0404%4,357
Earnings coverage of net charge-offs (x)3.1388%3,487
Efficiency ratio65.0877%4,710
Assets per employee ($millions)3.0344%5,994
Cash dividends to net income (ytd only)*36.0077%2,353
Condition Ratios (%)
Loss allowance to loans1.4576%4,219
Loan loss allowance to noncurrent loans68.5568%4,263
Noncurrent assets plus other real estate owned to assets3.3834%1,586
Noncurrent loans to loans2.1261%2,792
Net loans and leases to total assets68.7344%2,154
Net loans and leases to deposits78.0097%2,665
Net loans and leases to core deposits82.4871%2,901
Total domestic deposits to total assets88.1100%2,070
Equity capital to assets11.3335%2,747
Core capital (leverage) ratio11.2695%2,070
Tier 1 risk-based capital ratio14.4056%4,172
Total risk-based capital ratio15.6565%4,137
Memoranda:
Average total assets$255,460,3302,496
Average earning assets$231,702,3302,506
Average equity$29,211,3302,305
Average total loans$175,328,3302,289
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5950%632
Cost of funding earning assets0.5364%5,576
Net interest margin5.0586%361
Noninterest income to average assets0.6433%2,970
Noninterest expense to average assets3.3552%2,130
Loan and lease loss provision to assets0.1991%2,948
Net operating income to assets1.6848%742
Return on assets (ROA)1.6848%826
Pretax return on assets1.6848%1,345
Return on Equity (ROE)14.6654%1,047
Retained earnings to average equity (ytd only)9.0931%1,554
Net charge-offs to loans1.7201%559
Credit loss provision to net charge-offs17.0068%3,823
Earnings coverage of net charge-offs (x)1.6095%3,515
Efficiency ratio64.0426%4,918
Assets per employee ($millions)2.9471%6,255
Cash dividends to net income (ytd only)*37.9962%1,819
Condition Ratios (%)
Loss allowance to loans1.4903%4,212
Loan loss allowance to noncurrent loans50.7747%5,023
Noncurrent assets plus other real estate owned to assets3.9072%1,427
Noncurrent loans to loans2.9351%2,199
Net loans and leases to total assets65.8965%2,487
Net loans and leases to deposits74.9383%2,981
Net loans and leases to core deposits78.9975%3,187
Total domestic deposits to total assets87.9343%2,367
Equity capital to assets11.3863%2,539
Core capital (leverage) ratio11.1125%2,179
Tier 1 risk-based capital ratio14.9056%3,820
Total risk-based capital ratio16.1564%3,789
Memoranda:
Average total assets$251,192,5002,553
Average earning assets$228,205,5002,561
Average equity$28,857,0002,332
Average total loans$170,922,5002,351
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9366%481
Cost of funding earning assets0.5797%6,190
Net interest margin5.3569%217
Noninterest income to average assets0.8097%2,005
Noninterest expense to average assets3.5855%1,770
Loan and lease loss provision to assets0.6342%1,611
Net operating income to assets1.4705%881
Return on assets (ROA)1.4705%960
Pretax return on assets1.4705%1,560
Return on Equity (ROE)12.5187%1,279
Retained earnings to average equity (ytd only)2.3579%4,546
Net charge-offs to loans0.3625%3,593
Credit loss provision to net charge-offs244.7833%990
Earnings coverage of net charge-offs (x)8.1236%2,208
Efficiency ratio63.0125%5,299
Assets per employee ($millions)2.8940%6,296
Cash dividends to net income (ytd only)*81.1652%754
Condition Ratios (%)
Loss allowance to loans1.8587%2,681
Loan loss allowance to noncurrent loans61.8601%4,413
Noncurrent assets plus other real estate owned to assets4.2274%1,330
Noncurrent loans to loans3.0047%2,162
Net loans and leases to total assets67.9571%2,400
Net loans and leases to deposits77.8919%2,859
Net loans and leases to core deposits82.0347%3,174
Total domestic deposits to total assets87.2454%2,615
Equity capital to assets11.5940%2,430
Core capital (leverage) ratio11.3734%1,985
Tier 1 risk-based capital ratio14.9687%3,657
Total risk-based capital ratio16.2243%3,613
Memoranda:
Average total assets$240,466,4002,628
Average earning assets$219,080,4002,623
Average equity$28,245,8002,316
Average total loans$171,873,2002,357
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0058%453
Cost of funding earning assets0.5891%6,334
Net interest margin5.4167%198
Noninterest income to average assets0.7746%2,171
Noninterest expense to average assets3.3125%2,457
Loan and lease loss provision to assets0.7027%1,365
Net operating income to assets1.6975%633
Return on assets (ROA)1.6975%694
Pretax return on assets1.6975%1,153
Return on Equity (ROE)14.4037%960
Retained earnings to average equity (ytd only)5.4038%2,907
Net charge-offs to loans0.4017%3,111
Credit loss provision to net charge-offs242.7746%1,180
Earnings coverage of net charge-offs (x)8.2929%2,201
Efficiency ratio57.9852%6,012
Assets per employee ($millions)2.8805%6,350
Cash dividends to net income (ytd only)*62.4836%1,112
Condition Ratios (%)
Loss allowance to loans1.7710%3,035
Loan loss allowance to noncurrent loans63.1435%4,306
Noncurrent assets plus other real estate owned to assets4.3069%1,404
Noncurrent loans to loans2.8048%2,479
Net loans and leases to total assets68.8820%2,298
Net loans and leases to deposits78.9762%2,819
Net loans and leases to core deposits83.3370%3,141
Total domestic deposits to total assets87.2187%2,517
Equity capital to assets11.9981%2,252
Core capital (leverage) ratio11.8321%1,806
Tier 1 risk-based capital ratio15.3383%3,468
Total risk-based capital ratio16.5930%3,434
Memoranda:
Average total assets$239,085,7502,659
Average earning assets$217,962,2502,652
Average equity$28,177,2502,320
Average total loans$172,258,2502,363
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7686%765
Cost of funding earning assets0.5975%6,475
Net interest margin5.1711%295
Noninterest income to average assets0.7441%2,287
Noninterest expense to average assets3.3352%2,447
Loan and lease loss provision to assets0.7349%1,267
Net operating income to assets1.4135%1,049
Return on assets (ROA)1.4135%1,116
Pretax return on assets1.4135%1,767
Return on Equity (ROE)12.0677%1,468
Retained earnings to average equity (ytd only)2.2228%4,878
Net charge-offs to loans-0.0566%7,050
Credit loss provision to net charge-offs-1,785.7143%6,672
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.8210%5,757
Assets per employee ($millions)2.8939%6,318
Cash dividends to net income (ytd only)*81.5805%757
Condition Ratios (%)
Loss allowance to loans1.8184%2,926
Loan loss allowance to noncurrent loans30.6068%6,224
Noncurrent assets plus other real estate owned to assets5.8884%959
Noncurrent loans to loans5.9411%1,014
Net loans and leases to total assets72.5395%1,677
Net loans and leases to deposits82.9350%2,291
Net loans and leases to core deposits88.0098%2,647
Total domestic deposits to total assets87.4655%2,483
Equity capital to assets11.8548%2,206
Core capital (leverage) ratio11.3623%2,002
Tier 1 risk-based capital ratio14.7453%3,652
Total risk-based capital ratio16.0008%3,611
Memoranda:
Average total assets$238,126,6702,674
Average earning assets$218,249,3302,666
Average equity$27,892,6702,320
Average total loans$173,119,6702,371
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6521%972
Cost of funding earning assets0.6068%6,589
Net interest margin5.0454%349
Noninterest income to average assets0.7227%2,430
Noninterest expense to average assets3.3068%2,538
Loan and lease loss provision to assets0.6372%1,356
Net operating income to assets1.4220%1,028
Return on assets (ROA)1.4220%1,060
Pretax return on assets1.4220%1,668
Return on Equity (ROE)12.2131%1,402
Retained earnings to average equity (ytd only)3.9606%3,796
Net charge-offs to loans-0.0581%6,931
Credit loss provision to net charge-offs-1,520.0000%6,204
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6250%5,735
Assets per employee ($millions)2.8961%6,359
Cash dividends to net income (ytd only)*67.5708%1,068
Condition Ratios (%)
Loss allowance to loans1.5716%3,861
Loan loss allowance to noncurrent loans21.9004%6,694
Noncurrent assets plus other real estate owned to assets5.7002%1,042
Noncurrent loans to loans7.1760%755
Net loans and leases to total assets68.7137%2,400
Net loans and leases to deposits78.1920%3,030
Net loans and leases to core deposits82.9016%3,325
Total domestic deposits to total assets87.8782%2,439
Equity capital to assets11.4752%2,297
Core capital (leverage) ratio11.3247%1,942
Tier 1 risk-based capital ratio15.1079%3,369
Total risk-based capital ratio16.3607%3,328
Memoranda:
Average total assets$238,541,5002,689
Average earning assets$219,528,5002,668
Average equity$27,773,5002,317
Average total loans$172,018,5002,406
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8311%1,197
Cost of funding earning assets0.7608%6,704
Net interest margin5.0703%375
Noninterest income to average assets0.6528%3,133
Noninterest expense to average assets3.3367%2,621
Loan and lease loss provision to assets0.8903%1,836
Net operating income to assets1.0665%1,822
Return on assets (ROA)1.1015%1,773
Pretax return on assets1.1015%2,573
Return on Equity (ROE)9.7716%2,012
Retained earnings to average equity (ytd only)5.5586%2,083
Net charge-offs to loans1.1095%2,005
Credit loss provision to net charge-offs112.9153%3,866
Earnings coverage of net charge-offs (x)2.4818%3,878
Efficiency ratio63.0348%5,506
Assets per employee ($millions)2.7835%6,546
Cash dividends to net income (ytd only)*43.1147%2,442
Condition Ratios (%)
Loss allowance to loans1.2996%5,005
Loan loss allowance to noncurrent loans12.7270%7,046
Noncurrent assets plus other real estate owned to assets7.7135%660
Noncurrent loans to loans10.2115%408
Net loans and leases to total assets73.5392%1,759
Net loans and leases to deposits84.1171%2,432
Net loans and leases to core deposits88.1017%3,038
Total domestic deposits to total assets87.4248%2,600
Equity capital to assets11.8177%2,027
Core capital (leverage) ratio11.5694%1,800
Tier 1 risk-based capital ratio14.8837%3,315
Total risk-based capital ratio16.1239%3,278
Memoranda:
Average total assets$236,672,2002,675
Average earning assets$216,613,4002,667
Average equity$26,679,4002,399
Average total loans$168,176,4002,492
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8784%1,185
Cost of funding earning assets0.7928%6,787
Net interest margin5.0856%368
Noninterest income to average assets0.6060%3,401
Noninterest expense to average assets3.2907%2,600
Loan and lease loss provision to assets1.0346%1,429
Net operating income to assets0.9250%2,516
Return on assets (ROA)0.9717%2,450
Pretax return on assets0.9717%3,287
Return on Equity (ROE)8.7234%2,595
Retained earnings to average equity (ytd only)3.0557%4,297
Net charge-offs to loans0.5344%3,166
Credit loss provision to net charge-offs275.7485%1,189
Earnings coverage of net charge-offs (x)5.2231%2,804
Efficiency ratio62.6765%5,492
Assets per employee ($millions)2.8455%6,491
Cash dividends to net income (ytd only)*64.9711%1,068
Condition Ratios (%)
Loss allowance to loans1.8724%2,567
Loan loss allowance to noncurrent loans23.0658%6,752
Noncurrent assets plus other real estate owned to assets6.2026%948
Noncurrent loans to loans8.1176%629
Net loans and leases to total assets72.6709%2,086
Net loans and leases to deposits83.1046%2,887
Net loans and leases to core deposits88.0370%3,365
Total domestic deposits to total assets87.4451%2,291
Equity capital to assets11.7019%2,357
Core capital (leverage) ratio11.3063%2,061
Tier 1 risk-based capital ratio14.6379%3,436
Total risk-based capital ratio15.8943%3,406
Memoranda:
Average total assets$237,387,7502,700
Average earning assets$216,790,0002,706
Average equity$26,441,5002,462
Average total loans$166,669,0002,569
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8657%1,265
Cost of funding earning assets0.8335%6,808
Net interest margin5.0322%395
Noninterest income to average assets0.8286%1,979
Noninterest expense to average assets3.2000%2,904
Loan and lease loss provision to assets1.2892%1,071
Net operating income to assets0.9287%2,441
Return on assets (ROA)0.9287%2,538
Pretax return on assets0.9287%3,395
Return on Equity (ROE)8.4752%2,679
Retained earnings to average equity (ytd only)-0.0838%5,750
Net charge-offs to loans0.7621%2,334
Credit loss provision to net charge-offs245.2381%1,569
Earnings coverage of net charge-offs (x)4.2190%3,018
Efficiency ratio59.0636%6,208
Assets per employee ($millions)2.7711%6,635
Cash dividends to net income (ytd only)*100.9883%448
Condition Ratios (%)
Loss allowance to loans1.7416%2,931
Loan loss allowance to noncurrent loans20.9797%6,894
Noncurrent assets plus other real estate owned to assets6.2026%928
Noncurrent loans to loans8.3011%611
Net loans and leases to total assets71.2122%2,613
Net loans and leases to deposits81.5268%3,334
Net loans and leases to core deposits86.8769%3,718
Total domestic deposits to total assets87.3481%2,356
Equity capital to assets11.3154%2,584
Core capital (leverage) ratio10.8590%2,358
Tier 1 risk-based capital ratio14.2980%3,542
Total risk-based capital ratio15.5525%3,516
Memoranda:
Average total assets$239,689,3302,703
Average earning assets$218,592,6702,701
Average equity$26,265,0002,471
Average total loans$165,328,6702,619
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8002%1,456
Cost of funding earning assets0.9158%6,708
Net interest margin4.8843%538
Noninterest income to average assets0.7831%2,104
Noninterest expense to average assets3.3149%2,479
Loan and lease loss provision to assets0.9706%1,288
Net operating income to assets0.9459%2,374
Return on assets (ROA)0.9459%2,440
Pretax return on assets0.9459%3,282
Return on Equity (ROE)8.7693%2,573
Retained earnings to average equity (ytd only)-2.8824%6,340
Net charge-offs to loans1.1220%1,500
Credit loss provision to net charge-offs128.5403%2,741
Earnings coverage of net charge-offs (x)2.5381%3,277
Efficiency ratio63.3648%5,607
Assets per employee ($millions)2.8007%6,647
Cash dividends to net income (ytd only)*132.8696%374
Condition Ratios (%)
Loss allowance to loans1.3192%4,831
Loan loss allowance to noncurrent loans20.3515%6,986
Noncurrent assets plus other real estate owned to assets4.4711%1,514
Noncurrent loans to loans6.4823%961
Net loans and leases to total assets66.8949%3,658
Net loans and leases to deposits76.5719%4,308
Net loans and leases to core deposits81.1754%4,598
Total domestic deposits to total assets87.3622%2,429
Equity capital to assets10.8193%2,934
Core capital (leverage) ratio10.3436%2,767
Tier 1 risk-based capital ratio14.4409%3,418
Total risk-based capital ratio15.6608%3,396
Memoranda:
Average total assets$243,148,0002,731
Average earning assets$221,442,5002,721
Average equity$26,228,0002,499
Average total loans$163,643,0002,707
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1355%1,417
Cost of funding earning assets1.2681%6,416
Net interest margin4.8674%605
Noninterest income to average assets1.0220%1,497
Noninterest expense to average assets3.2754%3,102
Loan and lease loss provision to assets0.4314%4,243
Net operating income to assets1.6961%446
Return on assets (ROA)1.6969%472
Pretax return on assets1.6969%784
Return on Equity (ROE)16.7793%476
Retained earnings to average equity (ytd only)10.6290%311
Net charge-offs to loans0.7405%2,971
Credit loss provision to net charge-offs90.5128%5,983
Earnings coverage of net charge-offs (x)4.4641%2,944
Efficiency ratio60.6227%6,384
Assets per employee ($millions)3.0301%6,144
Cash dividends to net income (ytd only)*36.6539%3,067
Condition Ratios (%)
Loss allowance to loans1.2335%5,153
Loan loss allowance to noncurrent loans23.3657%6,891
Noncurrent assets plus other real estate owned to assets3.6029%1,853
Noncurrent loans to loans5.2789%1,246
Net loans and leases to total assets65.9993%4,149
Net loans and leases to deposits76.9404%4,581
Net loans and leases to core deposits91.9968%4,886
Total domestic deposits to total assets85.7798%3,118
Equity capital to assets10.7550%2,915
Core capital (leverage) ratio9.9917%3,101
Tier 1 risk-based capital ratio14.4361%3,244
Total risk-based capital ratio15.5721%3,257
Memoranda:
Average total assets$245,499,6002,655
Average earning assets$220,958,4002,693
Average equity$24,828,2002,622
Average total loans$158,001,0002,800
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2284%1,301
Cost of funding earning assets1.3205%6,490
Net interest margin4.9079%546
Noninterest income to average assets0.9373%1,829
Noninterest expense to average assets3.2117%3,263
Loan and lease loss provision to assets0.4850%3,477
Net operating income to assets1.6428%615
Return on assets (ROA)1.6439%662
Pretax return on assets1.6439%1,086
Return on Equity (ROE)16.5162%595
Retained earnings to average equity (ytd only)8.1844%1,086
Net charge-offs to loans0.4873%3,279
Credit loss provision to net charge-offs156.1189%3,053
Earnings coverage of net charge-offs (x)6.8496%2,528
Efficiency ratio60.1505%6,393
Assets per employee ($millions)2.9985%6,163
Cash dividends to net income (ytd only)*50.4460%1,986
Condition Ratios (%)
Loss allowance to loans1.5261%3,301
Loan loss allowance to noncurrent loans26.4013%6,696
Noncurrent assets plus other real estate owned to assets5.1841%1,121
Noncurrent loans to loans5.7802%1,052
Net loans and leases to total assets65.1983%4,601
Net loans and leases to deposits76.9795%4,901
Net loans and leases to core deposits92.1353%5,220
Total domestic deposits to total assets84.6957%3,377
Equity capital to assets10.4818%3,535
Core capital (leverage) ratio10.0747%3,205
Tier 1 risk-based capital ratio13.8883%3,615
Total risk-based capital ratio15.1400%3,556
Memoranda:
Average total assets$245,514,7502,669
Average earning assets$220,212,7502,718
Average equity$24,436,0002,699
Average total loans$156,498,5002,848
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0939%1,809
Cost of funding earning assets1.3526%6,639
Net interest margin4.7413%742
Noninterest income to average assets0.9278%1,859
Noninterest expense to average assets3.3751%2,702
Loan and lease loss provision to assets0.2013%5,046
Net operating income to assets1.6023%678
Return on assets (ROA)1.6023%742
Pretax return on assets1.6023%1,197
Return on Equity (ROE)16.3849%656
Retained earnings to average equity (ytd only)8.1676%1,161
Net charge-offs to loans0.6514%2,408
Credit loss provision to net charge-offs49.1089%5,781
Earnings coverage of net charge-offs (x)4.4000%3,105
Efficiency ratio65.1724%5,682
Assets per employee ($millions)2.9467%6,276
Cash dividends to net income (ytd only)*50.1520%2,044
Condition Ratios (%)
Loss allowance to loans1.1521%5,257
Loan loss allowance to noncurrent loans16.7604%7,297
Noncurrent assets plus other real estate owned to assets4.7754%1,148
Noncurrent loans to loans6.8742%721
Net loans and leases to total assets65.0601%4,754
Net loans and leases to deposits78.2172%4,832
Net loans and leases to core deposits93.3012%5,200
Total domestic deposits to total assets83.1787%4,155
Equity capital to assets9.9374%4,037
Core capital (leverage) ratio9.6247%3,733
Tier 1 risk-based capital ratio13.5073%3,814
Total risk-based capital ratio14.5615%3,857
Memoranda:
Average total assets$246,393,3302,676
Average earning assets$220,909,3302,734
Average equity$24,095,3302,743
Average total loans$155,062,3302,905
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0591%2,113
Cost of funding earning assets1.4143%6,684
Net interest margin4.6449%875
Noninterest income to average assets0.9535%1,626
Noninterest expense to average assets3.3047%2,643
Loan and lease loss provision to assets0.1643%4,827
Net operating income to assets1.6206%759
Return on assets (ROA)1.6206%835
Pretax return on assets1.6206%1,359
Return on Equity (ROE)16.7083%723
Retained earnings to average equity (ytd only)16.7083%290
Net charge-offs to loans0.9157%1,445
Credit loss provision to net charge-offs29.1908%4,957
Earnings coverage of net charge-offs (x)3.1705%3,264
Efficiency ratio64.9297%5,518
Assets per employee ($millions)3.3181%5,281
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2400%4,525
Loan loss allowance to noncurrent loans18.6513%7,237
Noncurrent assets plus other real estate owned to assets4.2615%1,167
Noncurrent loans to loans6.6485%638
Net loans and leases to total assets58.8841%5,821
Net loans and leases to deposits71.2931%5,831
Net loans and leases to core deposits85.3934%5,959
Total domestic deposits to total assets82.5943%4,337
Equity capital to assets9.6079%4,515
Core capital (leverage) ratio9.7201%3,725
Tier 1 risk-based capital ratio13.5094%3,858
Total risk-based capital ratio14.5700%3,899
Memoranda:
Average total assets$245,830,5002,697
Average earning assets$218,909,0002,775
Average equity$23,844,5002,787
Average total loans$151,137,0002,990
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8889%1,427
Cost of funding earning assets1.9161%6,687
Net interest margin4.9727%545
Noninterest income to average assets1.0296%1,487
Noninterest expense to average assets3.2186%3,267
Loan and lease loss provision to assets0.4519%3,031
Net operating income to assets1.9604%389
Return on assets (ROA)1.9631%372
Pretax return on assets1.9631%674
Return on Equity (ROE)19.6290%404
Retained earnings to average equity (ytd only)6.8885%1,192
Net charge-offs to loans0.4691%2,484
Credit loss provision to net charge-offs144.4759%3,656
Earnings coverage of net charge-offs (x)7.7125%3,041
Efficiency ratio57.1597%6,842
Assets per employee ($millions)3.0671%5,870
Cash dividends to net income (ytd only)*64.9063%2,420
Condition Ratios (%)
Loss allowance to loans1.4233%3,064
Loan loss allowance to noncurrent loans19.2547%7,268
Noncurrent assets plus other real estate owned to assets4.9724%705
Noncurrent loans to loans7.3917%390
Net loans and leases to total assets62.5853%5,524
Net loans and leases to deposits74.7890%5,763
Net loans and leases to core deposits93.4776%5,498
Total domestic deposits to total assets83.6825%3,488
Equity capital to assets9.7987%4,289
Core capital (leverage) ratio10.0771%3,377
Tier 1 risk-based capital ratio14.0114%3,545
Total risk-based capital ratio15.2621%3,461
Memoranda:
Average total assets$225,719,4002,822
Average earning assets$208,859,2002,786
Average equity$22,573,8002,900
Average total loans$150,502,2002,922