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First General Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.7771%95
Cost of funding earning assets1.6459%1,585
Net interest margin7.1312%56
Noninterest income to average assets0.3500%2,791
Noninterest expense to average assets1.5046%4,324
Loan and lease loss provision to assets0.2900%373
Net operating income to assets3.8433%107
Return on assets (ROA)3.8433%108
Pretax return on assets5.4457%86
Return on Equity (ROE)19.4200%667
Retained earnings to average equity (ytd only)14.9852%327
Net charge-offs to loans-0.0038%3,779
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio20.7825%4,525
Assets per employee ($millions)16.4257%162
Cash dividends to net income (ytd only)*22.8488%2,839
Condition Ratios (%)
Loss allowance to loans1.5453%952
Loan loss allowance to noncurrent loans479.5218%1,478
Noncurrent assets plus other real estate owned to assets0.2510%1,958
Noncurrent loans to loans0.3223%2,026
Net loans and leases to total assets76.6900%1,019
Net loans and leases to deposits105.7123%304
Net loans and leases to core deposits185.9025%94
Total domestic deposits to total assets72.5400%4,201
Equity capital to assets21.4280%256
Core capital (leverage) ratio21.8669%209
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$1,174,164,000868
Average earning assets$1,134,314,800832
Average equity$232,336,200475
Average total loans$946,853,800759
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.6951%89
Cost of funding earning assets1.5078%1,581
Net interest margin7.1873%51
Noninterest income to average assets0.1800%3,904
Noninterest expense to average assets1.2417%4,467
Loan and lease loss provision to assets0.1000%1,184
Net operating income to assets4.0812%111
Return on assets (ROA)4.0812%110
Pretax return on assets5.7900%84
Return on Equity (ROE)21.0500%635
Retained earnings to average equity (ytd only)21.0502%227
Net charge-offs to loans-0.0050%3,746
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio17.4073%4,557
Assets per employee ($millions)16.3747%153
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.2233%2,257
Loan loss allowance to noncurrent loans385.5491%1,712
Noncurrent assets plus other real estate owned to assets0.2530%2,001
Noncurrent loans to loans0.3173%2,093
Net loans and leases to total assets78.7500%785
Net loans and leases to deposits107.2937%264
Net loans and leases to core deposits192.8487%48
Total domestic deposits to total assets73.4000%4,198
Equity capital to assets21.2348%256
Core capital (leverage) ratio21.3792%223
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$1,180,254,500871
Average earning assets$1,141,919,000827
Average equity$228,825,250479
Average total loans$959,675,500758
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.4825%94
Cost of funding earning assets1.3600%1,556
Net interest margin7.1224%49
Noninterest income to average assets0.2200%3,636
Noninterest expense to average assets1.2216%4,512
Loan and lease loss provision to assets0.0700%1,542
Net operating income to assets4.1059%96
Return on assets (ROA)4.1059%97
Pretax return on assets5.8250%78
Return on Equity (ROE)21.8600%549
Retained earnings to average equity (ytd only)21.8583%189
Net charge-offs to loans0.0000%2,455
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio17.1719%4,586
Assets per employee ($millions)16.9583%142
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.1360%2,770
Loan loss allowance to noncurrent loans1,065.8631%917
Noncurrent assets plus other real estate owned to assets0.0886%2,911
Noncurrent loans to loans0.1066%2,949
Net loans and leases to total assets82.2100%401
Net loans and leases to deposits108.4015%240
Net loans and leases to core deposits187.5128%54
Total domestic deposits to total assets75.8300%4,061
Equity capital to assets20.1008%282
Core capital (leverage) ratio20.0005%269
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$1,186,137,000858
Average earning assets$1,147,755,667820
Average equity$222,808,000479
Average total loans$970,600,667732
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets8.1253%59
Cost of funding earning assets1.1763%1,516
Net interest margin6.9490%50
Noninterest income to average assets0.1100%4,318
Noninterest expense to average assets1.1677%4,580
Loan and lease loss provision to assets0.0800%1,320
Net operating income to assets3.9359%100
Return on assets (ROA)3.9359%100
Pretax return on assets5.5846%82
Return on Equity (ROE)21.7000%607
Retained earnings to average equity (ytd only)21.6980%299
Net charge-offs to loans0.0000%2,062
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio17.0815%4,648
Assets per employee ($millions)17.3268%137
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.0856%3,131
Loan loss allowance to noncurrent loans1,022.7955%971
Noncurrent assets plus other real estate owned to assets0.0879%2,935
Noncurrent loans to loans0.1061%3,004
Net loans and leases to total assets81.9100%383
Net loans and leases to deposits112.7646%141
Net loans and leases to core deposits193.2847%40
Total domestic deposits to total assets72.6300%4,337
Equity capital to assets18.3531%291
Core capital (leverage) ratio18.8771%307
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$1,194,144,500868
Average earning assets$1,155,846,500833
Average equity$216,610,000505
Average total loans$969,421,000746
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6067%136
Cost of funding earning assets0.4166%1,970
Net interest margin5.1901%119
Noninterest income to average assets0.2500%3,641
Noninterest expense to average assets1.2135%4,607
Loan and lease loss provision to assets0.0700%1,594
Net operating income to assets2.8212%118
Return on assets (ROA)2.8212%115
Pretax return on assets3.9974%92
Return on Equity (ROE)17.7300%744
Retained earnings to average equity (ytd only)15.1136%285
Net charge-offs to loans-0.0001%3,266
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio23.0007%4,681
Assets per employee ($millions)17.0350%142
Cash dividends to net income (ytd only)*14.7536%3,077
Condition Ratios (%)
Loss allowance to loans1.1399%2,699
Loan loss allowance to noncurrent loans1,285.0422%816
Noncurrent assets plus other real estate owned to assets0.0705%3,088
Noncurrent loans to loans0.0887%3,124
Net loans and leases to total assets78.6000%742
Net loans and leases to deposits102.4205%352
Net loans and leases to core deposits170.4863%52
Total domestic deposits to total assets76.7400%4,197
Equity capital to assets17.9188%295
Core capital (leverage) ratio17.5173%353
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$1,230,581,400840
Average earning assets$1,190,875,600797
Average equity$195,817,000538
Average total loans$1,017,528,000670
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9362%230
Cost of funding earning assets0.3143%2,022
Net interest margin4.6219%191
Noninterest income to average assets0.2900%3,445
Noninterest expense to average assets1.0151%4,672
Loan and lease loss provision to assets0.0600%1,588
Net operating income to assets2.5969%141
Return on assets (ROA)2.5969%139
Pretax return on assets3.6803%99
Return on Equity (ROE)16.8200%830
Retained earnings to average equity (ytd only)16.8206%225
Net charge-offs to loans-0.0001%3,098
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio21.3273%4,720
Assets per employee ($millions)17.7194%130
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.0433%3,286
Loan loss allowance to noncurrent loans1,060.1420%911
Noncurrent assets plus other real estate owned to assets0.0806%3,100
Noncurrent loans to loans0.0984%3,174
Net loans and leases to total assets81.0900%436
Net loans and leases to deposits102.9789%264
Net loans and leases to core deposits171.4504%38
Total domestic deposits to total assets78.7500%4,199
Equity capital to assets16.7654%332
Core capital (leverage) ratio16.3684%409
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$1,244,373,000830
Average earning assets$1,204,408,750794
Average equity$192,116,250546
Average total loans$1,038,278,250659
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3344%504
Cost of funding earning assets0.2806%1,896
Net interest margin4.0538%441
Noninterest income to average assets0.3587%2,999
Noninterest expense to average assets0.9691%4,703
Loan and lease loss provision to assets0.0639%1,456
Net operating income to assets2.2945%141
Return on assets (ROA)2.2945%137
Pretax return on assets3.2484%78
Return on Equity (ROE)15.2895%836
Retained earnings to average equity (ytd only)15.2895%242
Net charge-offs to loans-0.0002%2,965
Credit loss provision to net charge-offs-40,000.0000%3,910
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio22.6357%4,746
Assets per employee ($millions)18.9840%112
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.0088%3,556
Loan loss allowance to noncurrent loans1,000.2927%930
Noncurrent assets plus other real estate owned to assets0.0818%3,161
Noncurrent loans to loans0.1008%3,254
Net loans and leases to total assets80.3018%380
Net loans and leases to deposits100.2614%262
Net loans and leases to core deposits164.5631%36
Total domestic deposits to total assets80.0925%4,217
Equity capital to assets15.5815%364
Core capital (leverage) ratio15.4800%423
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,251,618,667822
Average earning assets$1,211,151,667790
Average equity$187,828,333568
Average total loans$1,050,404,000639
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1250%609
Cost of funding earning assets0.2757%1,867
Net interest margin3.8494%571
Noninterest income to average assets0.3297%3,127
Noninterest expense to average assets0.9954%4,720
Loan and lease loss provision to assets0.0640%1,267
Net operating income to assets2.1136%180
Return on assets (ROA)2.1136%180
Pretax return on assets2.9983%108
Return on Equity (ROE)14.3595%767
Retained earnings to average equity (ytd only)14.3595%345
Net charge-offs to loans-0.0004%2,972
Credit loss provision to net charge-offs-20,000.0000%3,600
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio24.5311%4,767
Assets per employee ($millions)19.3137%112
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.9612%3,875
Loan loss allowance to noncurrent loans952.8910%935
Noncurrent assets plus other real estate owned to assets0.0840%3,235
Noncurrent loans to loans0.1009%3,334
Net loans and leases to total assets82.5098%140
Net loans and leases to deposits102.3467%137
Net loans and leases to core deposits164.0828%34
Total domestic deposits to total assets80.6179%4,236
Equity capital to assets14.9239%403
Core capital (leverage) ratio15.1259%418
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,250,956,000826
Average earning assets$1,211,526,000799
Average equity$184,129,000593
Average total loans$1,067,411,000616
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3243%819
Cost of funding earning assets0.3202%2,192
Net interest margin4.0041%705
Noninterest income to average assets0.6176%2,086
Noninterest expense to average assets1.1798%4,718
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets2.3335%196
Return on assets (ROA)2.3335%206
Pretax return on assets3.3082%110
Return on Equity (ROE)16.1302%733
Retained earnings to average equity (ytd only)13.7339%329
Net charge-offs to loans0.0069%2,321
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)537.5833%260
Efficiency ratio26.2883%4,807
Assets per employee ($millions)18.0655%132
Cash dividends to net income (ytd only)*14.8561%3,198
Condition Ratios (%)
Loss allowance to loans0.9047%4,055
Loan loss allowance to noncurrent loans909.6953%926
Noncurrent assets plus other real estate owned to assets0.0869%3,332
Noncurrent loans to loans0.0995%3,433
Net loans and leases to total assets86.5687%51
Net loans and leases to deposits108.3561%90
Net loans and leases to core deposits175.3705%30
Total domestic deposits to total assets79.8927%4,230
Equity capital to assets14.5127%574
Core capital (leverage) ratio14.6029%519
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,170,012,400850
Average earning assets$1,130,930,800816
Average equity$169,260,200636
Average total loans$1,043,305,000631
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2374%1,051
Cost of funding earning assets0.3315%2,280
Net interest margin3.9058%930
Noninterest income to average assets0.5058%2,602
Noninterest expense to average assets1.0519%4,827
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets2.2748%282
Return on assets (ROA)2.2748%298
Pretax return on assets3.2279%142
Return on Equity (ROE)15.7384%998
Retained earnings to average equity (ytd only)15.0908%385
Net charge-offs to loans0.0093%1,973
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)386.9861%358
Efficiency ratio24.5784%4,886
Assets per employee ($millions)17.6798%136
Cash dividends to net income (ytd only)*4.1149%3,159
Condition Ratios (%)
Loss allowance to loans0.9536%3,997
Loan loss allowance to noncurrent loans706.7432%1,033
Noncurrent assets plus other real estate owned to assets0.1160%3,338
Noncurrent loans to loans0.1349%3,432
Net loans and leases to total assets85.1173%88
Net loans and leases to deposits106.6080%125
Net loans and leases to core deposits169.2888%45
Total domestic deposits to total assets79.8415%4,250
Equity capital to assets14.6448%608
Core capital (leverage) ratio14.6911%532
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,150,885,750869
Average earning assets$1,112,050,250834
Average equity$166,349,250657
Average total loans$1,031,894,500650
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1982%1,192
Cost of funding earning assets0.3495%2,321
Net interest margin3.8486%1,069
Noninterest income to average assets0.4482%2,854
Noninterest expense to average assets1.0475%4,860
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets2.1960%343
Return on assets (ROA)2.1960%360
Pretax return on assets3.1165%167
Return on Equity (ROE)15.2645%1,094
Retained earnings to average equity (ytd only)15.2645%400
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio25.1557%4,919
Assets per employee ($millions)18.1275%128
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.9405%4,024
Loan loss allowance to noncurrent loans517.9541%1,245
Noncurrent assets plus other real estate owned to assets0.1626%3,176
Noncurrent loans to loans0.1816%3,315
Net loans and leases to total assets88.7065%28
Net loans and leases to deposits110.6245%108
Net loans and leases to core deposits180.0328%41
Total domestic deposits to total assets80.1871%4,212
Equity capital to assets14.3959%637
Core capital (leverage) ratio14.9395%480
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,133,772,667873
Average earning assets$1,094,622,000841
Average equity$163,111,000664
Average total loans$1,031,474,667656
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2407%1,132
Cost of funding earning assets0.3807%2,254
Net interest margin3.8600%1,046
Noninterest income to average assets0.3512%3,336
Noninterest expense to average assets1.1199%4,881
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets2.0829%508
Return on assets (ROA)2.0829%544
Pretax return on assets2.9570%242
Return on Equity (ROE)14.4832%1,332
Retained earnings to average equity (ytd only)14.4832%695
Net charge-offs to loans0.0000%1,930
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio27.4693%4,931
Assets per employee ($millions)17.0356%143
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.9577%3,995
Loan loss allowance to noncurrent loans777.7429%829
Noncurrent assets plus other real estate owned to assets0.1135%3,607
Noncurrent loans to loans0.1231%3,697
Net loans and leases to total assets91.2783%18
Net loans and leases to deposits116.2784%88
Net loans and leases to core deposits185.0605%47
Total domestic deposits to total assets78.4998%4,388
Equity capital to assets14.4793%577
Core capital (leverage) ratio14.6819%532
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,111,514,000880
Average earning assets$1,072,843,000845
Average equity$159,854,000670
Average total loans$1,019,640,000665
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5298%1,238
Cost of funding earning assets0.8174%1,140
Net interest margin3.7124%1,755
Noninterest income to average assets0.3572%3,331
Noninterest expense to average assets1.2318%4,892
Loan and lease loss provision to assets0.1645%2,322
Net operating income to assets1.7904%398
Return on assets (ROA)1.7904%428
Pretax return on assets2.5410%179
Return on Equity (ROE)12.3532%1,221
Retained earnings to average equity (ytd only)10.3385%524
Net charge-offs to loans0.0000%3,443
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio31.2380%4,953
Assets per employee ($millions)16.1570%148
Cash dividends to net income (ytd only)*16.3091%3,381
Condition Ratios (%)
Loss allowance to loans0.9894%3,912
Loan loss allowance to noncurrent loans756.4024%838
Noncurrent assets plus other real estate owned to assets0.1194%3,691
Noncurrent loans to loans0.1308%3,758
Net loans and leases to total assets90.3945%26
Net loans and leases to deposits117.0655%92
Net loans and leases to core deposits191.5983%45
Total domestic deposits to total assets77.2170%4,388
Equity capital to assets14.2817%737
Core capital (leverage) ratio14.4978%595
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,033,561,800855
Average earning assets$996,719,400818
Average equity$149,799,600678
Average total loans$943,501,600682
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5529%1,445
Cost of funding earning assets0.9258%977
Net interest margin3.6271%2,169
Noninterest income to average assets0.3527%3,342
Noninterest expense to average assets1.1497%4,949
Loan and lease loss provision to assets0.1376%2,635
Net operating income to assets1.8084%439
Return on assets (ROA)1.8084%490
Pretax return on assets2.5661%192
Return on Equity (ROE)12.4285%1,267
Retained earnings to average equity (ytd only)12.4285%381
Net charge-offs to loans0.0000%3,243
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio29.7881%4,992
Assets per employee ($millions)15.2397%153
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.9576%3,856
Loan loss allowance to noncurrent loans687.4722%832
Noncurrent assets plus other real estate owned to assets0.1265%3,793
Noncurrent loans to loans0.1393%3,826
Net loans and leases to total assets89.9162%41
Net loans and leases to deposits117.2630%134
Net loans and leases to core deposits180.3027%52
Total domestic deposits to total assets76.6790%4,365
Equity capital to assets14.5197%726
Core capital (leverage) ratio14.8460%568
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,017,282,750853
Average earning assets$981,854,250815
Average equity$148,022,000673
Average total loans$928,610,000683
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7327%1,323
Cost of funding earning assets1.0673%799
Net interest margin3.6654%2,280
Noninterest income to average assets0.4185%2,978
Noninterest expense to average assets1.2051%4,974
Loan and lease loss provision to assets0.0899%3,144
Net operating income to assets1.8739%423
Return on assets (ROA)1.8739%469
Pretax return on assets2.6595%165
Return on Equity (ROE)12.8689%1,132
Retained earnings to average equity (ytd only)12.8689%375
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio30.4225%5,015
Assets per employee ($millions)15.8664%147
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.9195%3,917
Loan loss allowance to noncurrent loans594.5168%879
Noncurrent assets plus other real estate owned to assets0.1393%3,821
Noncurrent loans to loans0.1547%3,837
Net loans and leases to total assets89.2575%41
Net loans and leases to deposits117.6430%111
Net loans and leases to core deposits179.4854%53
Total domestic deposits to total assets75.8714%4,441
Equity capital to assets14.3639%762
Core capital (leverage) ratio14.7283%617
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,000,784,000852
Average earning assets$965,457,333814
Average equity$145,731,667676
Average total loans$915,319,667683
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2224%634
Cost of funding earning assets1.2360%681
Net interest margin3.9864%1,428
Noninterest income to average assets0.3327%3,536
Noninterest expense to average assets1.2725%5,013
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets2.0491%248
Return on assets (ROA)2.0491%269
Pretax return on assets2.9072%102
Return on Equity (ROE)13.9703%702
Retained earnings to average equity (ytd only)13.9703%253
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio30.3965%5,063
Assets per employee ($millions)14.3802%142
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.9170%4,049
Loan loss allowance to noncurrent loans622.5587%802
Noncurrent assets plus other real estate owned to assets0.1351%3,963
Noncurrent loans to loans0.1473%3,931
Net loans and leases to total assets90.8747%21
Net loans and leases to deposits113.9730%133
Net loans and leases to core deposits187.3339%46
Total domestic deposits to total assets79.7335%3,902
Equity capital to assets14.9297%773
Core capital (leverage) ratio15.0987%666
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$977,585,000841
Average earning assets$943,401,500801
Average equity$143,389,500682
Average total loans$901,298,500668
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8328%306
Cost of funding earning assets1.3915%584
Net interest margin4.4414%820
Noninterest income to average assets0.1967%4,484
Noninterest expense to average assets1.3773%5,050
Loan and lease loss provision to assets0.0389%3,239
Net operating income to assets2.1559%245
Return on assets (ROA)2.1559%258
Pretax return on assets3.0608%95
Return on Equity (ROE)15.6978%576
Retained earnings to average equity (ytd only)13.4301%146
Net charge-offs to loans-0.0085%4,427
Credit loss provision to net charge-offs-493.4211%4,422
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio30.7290%5,133
Assets per employee ($millions)14.8078%127
Cash dividends to net income (ytd only)*14.4458%3,648
Condition Ratios (%)
Loss allowance to loans0.9080%3,923
Loan loss allowance to noncurrent loans605.5965%836
Noncurrent assets plus other real estate owned to assets0.1390%3,946
Noncurrent loans to loans0.1499%3,927
Net loans and leases to total assets91.8359%18
Net loans and leases to deposits112.8617%142
Net loans and leases to core deposits196.6140%43
Total domestic deposits to total assets81.3703%3,687
Equity capital to assets14.4056%963
Core capital (leverage) ratio14.2294%870
Tier 1 risk-based capital ratio16.8171%2,116
Total risk-based capital ratio17.8135%2,137
Memoranda:
Average total assets$964,569,000811
Average earning assets$929,600,600771
Average equity$132,470,600694
Average total loans$893,597,800645
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9343%273
Cost of funding earning assets1.3796%612
Net interest margin4.5547%680
Noninterest income to average assets0.1498%4,799
Noninterest expense to average assets1.3135%5,140
Loan and lease loss provision to assets0.0520%2,866
Net operating income to assets2.2349%257
Return on assets (ROA)2.2349%266
Pretax return on assets3.1738%97
Return on Equity (ROE)16.4782%537
Retained earnings to average equity (ytd only)16.4782%96
Net charge-offs to loans-0.0114%4,415
Credit loss provision to net charge-offs-493.4211%4,324
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio28.8992%5,215
Assets per employee ($millions)14.6682%133
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.8938%4,071
Loan loss allowance to noncurrent loans496.6184%992
Noncurrent assets plus other real estate owned to assets0.1685%3,902
Noncurrent loans to loans0.1800%3,888
Net loans and leases to total assets92.7904%12
Net loans and leases to deposits111.3074%199
Net loans and leases to core deposits193.0747%47
Total domestic deposits to total assets83.3640%3,038
Equity capital to assets14.1089%1,109
Core capital (leverage) ratio14.0982%960
Tier 1 risk-based capital ratio16.5123%2,266
Total risk-based capital ratio17.5060%2,275
Memoranda:
Average total assets$961,381,750812
Average earning assets$926,523,000775
Average equity$130,391,000703
Average total loans$890,559,000647
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0228%221
Cost of funding earning assets1.3331%678
Net interest margin4.6897%500
Noninterest income to average assets0.1572%4,794
Noninterest expense to average assets1.3424%5,188
Loan and lease loss provision to assets0.0786%2,246
Net operating income to assets2.2971%219
Return on assets (ROA)2.2971%228
Pretax return on assets3.2612%96
Return on Equity (ROE)17.1739%449
Retained earnings to average equity (ytd only)17.1739%102
Net charge-offs to loans-0.0173%4,504
Credit loss provision to net charge-offs-493.4211%4,130
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio28.6347%5,261
Assets per employee ($millions)14.3469%117
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.9370%3,934
Loan loss allowance to noncurrent loans574.3017%899
Noncurrent assets plus other real estate owned to assets0.1490%4,017
Noncurrent loans to loans0.1632%3,967
Net loans and leases to total assets90.4513%47
Net loans and leases to deposits108.1541%266
Net loans and leases to core deposits187.6072%51
Total domestic deposits to total assets83.6319%2,995
Equity capital to assets13.8574%1,180
Core capital (leverage) ratio13.9997%961
Tier 1 risk-based capital ratio16.4277%2,270
Total risk-based capital ratio17.4569%2,279
Memoranda:
Average total assets$954,252,670815
Average earning assets$920,741,670778
Average equity$127,635,330711
Average total loans$880,699,000657
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0095%220
Cost of funding earning assets1.2783%708
Net interest margin4.7311%465
Noninterest income to average assets0.2209%4,427
Noninterest expense to average assets1.3539%5,242
Loan and lease loss provision to assets0.0787%2,112
Net operating income to assets2.3686%205
Return on assets (ROA)2.3686%217
Pretax return on assets3.3598%96
Return on Equity (ROE)18.0374%395
Retained earnings to average equity (ytd only)18.0374%144
Net charge-offs to loans0.0000%2,740
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio28.2153%5,324
Assets per employee ($millions)14.0342%127
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.9039%4,137
Loan loss allowance to noncurrent loans537.8378%990
Noncurrent assets plus other real estate owned to assets0.1551%4,030
Noncurrent loans to loans0.1681%3,998
Net loans and leases to total assets91.4474%24
Net loans and leases to deposits107.7377%276
Net loans and leases to core deposits190.2153%44
Total domestic deposits to total assets84.8796%2,725
Equity capital to assets13.3880%1,254
Core capital (leverage) ratio13.3322%1,138
Tier 1 risk-based capital ratio15.6054%2,609
Total risk-based capital ratio16.5925%2,646
Memoranda:
Average total assets$950,757,000826
Average earning assets$918,685,500784
Average equity$124,851,500723
Average total loans$882,207,500658
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5526%358
Cost of funding earning assets0.9407%965
Net interest margin4.6120%591
Noninterest income to average assets0.1963%4,728
Noninterest expense to average assets1.3642%5,279
Loan and lease loss provision to assets0.0703%2,732
Net operating income to assets2.2834%222
Return on assets (ROA)2.2834%212
Pretax return on assets3.2319%80
Return on Equity (ROE)18.7011%328
Retained earnings to average equity (ytd only)16.0720%87
Net charge-offs to loans-0.0058%4,379
Credit loss provision to net charge-offs-1,326.5306%4,773
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio29.1878%5,369
Assets per employee ($millions)13.7273%129
Cash dividends to net income (ytd only)*14.0583%3,704
Condition Ratios (%)
Loss allowance to loans0.8796%4,248
Loan loss allowance to noncurrent loans515.7930%1,071
Noncurrent assets plus other real estate owned to assets0.1591%4,031
Noncurrent loans to loans0.1705%3,986
Net loans and leases to total assets92.4817%24
Net loans and leases to deposits108.9311%278
Net loans and leases to core deposits183.2620%51
Total domestic deposits to total assets84.8993%2,687
Equity capital to assets12.8737%1,403
Core capital (leverage) ratio12.8132%1,317
Tier 1 risk-based capital ratio15.2531%2,720
Total risk-based capital ratio16.2397%2,764
Memoranda:
Average total assets$924,273,000827
Average earning assets$895,866,600787
Average equity$112,854,400756
Average total loans$839,970,000665
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3856%448
Cost of funding earning assets0.8695%1,037
Net interest margin4.5161%716
Noninterest income to average assets0.2161%4,676
Noninterest expense to average assets1.2705%5,380
Loan and lease loss provision to assets0.0689%2,594
Net operating income to assets2.3000%228
Return on assets (ROA)2.3000%222
Pretax return on assets3.2530%90
Return on Equity (ROE)19.1042%329
Retained earnings to average equity (ytd only)19.1042%68
Net charge-offs to loans-0.0047%4,214
Credit loss provision to net charge-offs-1,637.9310%4,716
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio27.6178%5,441
Assets per employee ($millions)13.3476%145
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.8857%4,324
Loan loss allowance to noncurrent loans459.8301%1,178
Noncurrent assets plus other real estate owned to assets0.1739%4,082
Noncurrent loans to loans0.1926%4,020
Net loans and leases to total assets89.4786%91
Net loans and leases to deposits103.1950%591
Net loans and leases to core deposits170.9648%68
Total domestic deposits to total assets86.7083%1,865
Equity capital to assets12.5524%1,549
Core capital (leverage) ratio12.9102%1,322
Tier 1 risk-based capital ratio15.1370%2,823
Total risk-based capital ratio16.1159%2,858
Memoranda:
Average total assets$918,544,750827
Average earning assets$890,122,250790
Average equity$110,583,500772
Average total loans$829,025,750670
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2941%478
Cost of funding earning assets0.7996%1,130
Net interest margin4.4945%709
Noninterest income to average assets0.1994%4,823
Noninterest expense to average assets1.2079%5,453
Loan and lease loss provision to assets0.0660%2,581
Net operating income to assets2.3254%193
Return on assets (ROA)2.3254%188
Pretax return on assets3.2847%86
Return on Equity (ROE)19.6062%289
Retained earnings to average equity (ytd only)19.6062%73
Net charge-offs to loans-0.0068%4,187
Credit loss provision to net charge-offs-1,071.4286%4,524
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio26.4494%5,507
Assets per employee ($millions)12.6580%164
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.8585%4,523
Loan loss allowance to noncurrent loans464.3664%1,159
Noncurrent assets plus other real estate owned to assets0.1749%4,111
Noncurrent loans to loans0.1849%4,077
Net loans and leases to total assets93.7910%11
Net loans and leases to deposits107.8959%353
Net loans and leases to core deposits174.3748%54
Total domestic deposits to total assets86.9273%1,869
Equity capital to assets12.4482%1,569
Core capital (leverage) ratio12.4623%1,460
Tier 1 risk-based capital ratio14.5900%3,078
Total risk-based capital ratio15.5569%3,128
Memoranda:
Average total assets$908,833,330841
Average earning assets$881,474,000798
Average equity$107,792,670792
Average total loans$820,185,000672
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7876%1,108
Cost of funding earning assets0.7286%1,300
Net interest margin4.0590%1,539
Noninterest income to average assets0.2490%4,515
Noninterest expense to average assets1.1856%5,523
Loan and lease loss provision to assets0.0661%2,450
Net operating income to assets2.0931%300
Return on assets (ROA)2.0931%301
Pretax return on assets2.9358%120
Return on Equity (ROE)18.0976%397
Retained earnings to average equity (ytd only)18.0976%149
Net charge-offs to loans-0.0005%3,740
Credit loss provision to net charge-offs-15,000.0000%4,529
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio28.2602%5,570
Assets per employee ($millions)12.2577%188
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.8689%4,568
Loan loss allowance to noncurrent loans130.7692%2,982
Noncurrent assets plus other real estate owned to assets0.6091%2,481
Noncurrent loans to loans0.6645%2,557
Net loans and leases to total assets90.8715%44
Net loans and leases to deposits103.9697%478
Net loans and leases to core deposits162.0533%80
Total domestic deposits to total assets87.4019%1,954
Equity capital to assets11.8494%1,880
Core capital (leverage) ratio12.0900%1,596
Tier 1 risk-based capital ratio14.1286%3,313
Total risk-based capital ratio15.0939%3,384
Memoranda:
Average total assets$907,563,000849
Average earning assets$880,603,500802
Average equity$104,964,000811
Average total loans$799,183,000693
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5370%1,594
Cost of funding earning assets0.7081%983
Net interest margin3.8289%2,324
Noninterest income to average assets0.2226%4,815
Noninterest expense to average assets1.2412%5,579
Loan and lease loss provision to assets0.0339%3,583
Net operating income to assets1.3153%1,188
Return on assets (ROA)1.3153%1,204
Pretax return on assets2.6552%146
Return on Equity (ROE)11.7803%1,273
Retained earnings to average equity (ytd only)9.4305%434
Net charge-offs to loans-0.0170%4,910
Credit loss provision to net charge-offs-232.5581%4,827
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio31.5166%5,622
Assets per employee ($millions)13.7584%119
Cash dividends to net income (ytd only)*19.9467%3,675
Condition Ratios (%)
Loss allowance to loans0.9225%4,361
Loan loss allowance to noncurrent loans130.6854%3,069
Noncurrent assets plus other real estate owned to assets0.5961%2,568
Noncurrent loans to loans0.7059%2,444
Net loans and leases to total assets83.6731%483
Net loans and leases to deposits96.7043%1,021
Net loans and leases to core deposits141.8070%191
Total domestic deposits to total assets86.5247%2,218
Equity capital to assets11.2818%2,379
Core capital (leverage) ratio11.0731%2,265
Tier 1 risk-based capital ratio14.5478%3,067
Total risk-based capital ratio15.5733%3,089
Memoranda:
Average total assets$884,638,800846
Average earning assets$856,647,200801
Average equity$98,775,400835
Average total loans$759,058,600691
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5224%1,579
Cost of funding earning assets0.7009%960
Net interest margin3.8214%2,310
Noninterest income to average assets0.2447%4,736
Noninterest expense to average assets1.1441%5,658
Loan and lease loss provision to assets0.0228%3,686
Net operating income to assets1.6231%678
Return on assets (ROA)1.6231%699
Pretax return on assets2.7760%143
Return on Equity (ROE)14.5759%723
Retained earnings to average equity (ytd only)14.5759%132
Net charge-offs to loans-0.0440%5,125
Credit loss provision to net charge-offs-60.0000%4,457
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio28.9518%5,695
Assets per employee ($millions)13.9723%109
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.9156%4,488
Loan loss allowance to noncurrent loans128.7228%3,092
Noncurrent assets plus other real estate owned to assets0.6026%2,709
Noncurrent loans to loans0.7113%2,577
Net loans and leases to total assets83.9427%435
Net loans and leases to deposits95.4417%1,159
Net loans and leases to core deposits140.6607%196
Total domestic deposits to total assets87.9519%1,387
Equity capital to assets11.3959%2,472
Core capital (leverage) ratio11.2528%2,219
Tier 1 risk-based capital ratio15.1225%2,872
Total risk-based capital ratio16.1734%2,877
Memoranda:
Average total assets$878,785,250857
Average earning assets$850,445,250815
Average equity$97,858,000847
Average total loans$757,105,750695
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4188%1,759
Cost of funding earning assets0.6891%944
Net interest margin3.7296%2,545
Noninterest income to average assets0.2831%4,533
Noninterest expense to average assets1.0958%5,721
Loan and lease loss provision to assets0.0345%3,303
Net operating income to assets1.6320%648
Return on assets (ROA)1.6320%669
Pretax return on assets2.7614%147
Return on Equity (ROE)14.7763%701
Retained earnings to average equity (ytd only)14.7763%151
Net charge-offs to loans0.0000%3,512
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio28.0915%5,747
Assets per employee ($millions)14.1169%104
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.9337%4,496
Loan loss allowance to noncurrent loans119.9259%3,226
Noncurrent assets plus other real estate owned to assets0.6271%2,683
Noncurrent loans to loans0.7786%2,456
Net loans and leases to total assets79.7942%985
Net loans and leases to deposits90.2153%1,702
Net loans and leases to core deposits133.6899%259
Total domestic deposits to total assets88.4486%1,231
Equity capital to assets11.0335%2,771
Core capital (leverage) ratio11.2677%2,159
Tier 1 risk-based capital ratio15.2753%2,816
Total risk-based capital ratio16.3392%2,824
Memoranda:
Average total assets$868,980,670870
Average earning assets$840,779,670833
Average equity$95,978,330860
Average total loans$753,003,670700
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5399%1,277
Cost of funding earning assets0.6803%924
Net interest margin3.8595%1,924
Noninterest income to average assets0.3954%3,698
Noninterest expense to average assets1.1567%5,778
Loan and lease loss provision to assets0.0704%2,399
Net operating income to assets1.7250%523
Return on assets (ROA)1.7250%532
Pretax return on assets2.8981%145
Return on Equity (ROE)15.6091%577
Retained earnings to average equity (ytd only)15.6091%212
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio27.9713%5,810
Assets per employee ($millions)14.1457%105
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.8909%4,792
Loan loss allowance to noncurrent loans117.1350%3,326
Noncurrent assets plus other real estate owned to assets0.6723%2,611
Noncurrent loans to loans0.7606%2,581
Net loans and leases to total assets87.6038%129
Net loans and leases to deposits99.4120%653
Net loans and leases to core deposits146.2376%122
Total domestic deposits to total assets88.1220%1,646
Equity capital to assets11.1479%2,480
Core capital (leverage) ratio11.1067%2,267
Tier 1 risk-based capital ratio14.3583%3,279
Total risk-based capital ratio15.3953%3,308
Memoranda:
Average total assets$851,729,500891
Average earning assets$823,110,500848
Average equity$94,124,500869
Average total loans$765,644,500692
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7332%999
Cost of funding earning assets0.6846%887
Net interest margin4.0486%1,501
Noninterest income to average assets0.3790%4,041
Noninterest expense to average assets1.3808%5,783
Loan and lease loss provision to assets0.0768%2,823
Net operating income to assets1.6392%627
Return on assets (ROA)1.6392%651
Pretax return on assets2.8303%132
Return on Equity (ROE)14.6835%672
Retained earnings to average equity (ytd only)12.2806%204
Net charge-offs to loans0.0178%3,711
Credit loss provision to net charge-offs480.0000%685
Earnings coverage of net charge-offs (x)181.8000%362
Efficiency ratio32.1251%5,860
Assets per employee ($millions)14.4926%95
Cash dividends to net income (ytd only)*16.3649%3,847
Condition Ratios (%)
Loss allowance to loans0.8646%4,915
Loan loss allowance to noncurrent loans111.8875%3,390
Noncurrent assets plus other real estate owned to assets0.7065%2,611
Noncurrent loans to loans0.7727%2,594
Net loans and leases to total assets90.6439%54
Net loans and leases to deposits102.9143%473
Net loans and leases to core deposits146.8219%134
Total domestic deposits to total assets88.0771%1,595
Equity capital to assets10.9515%2,665
Core capital (leverage) ratio10.9158%2,429
Tier 1 risk-based capital ratio13.7506%3,611
Total risk-based capital ratio14.7643%3,662
Memoranda:
Average total assets$781,720,800923
Average earning assets$754,730,600883
Average equity$87,267,800911
Average total loans$701,767,000719
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7605%968
Cost of funding earning assets0.6824%894
Net interest margin4.0782%1,451
Noninterest income to average assets0.4539%3,532
Noninterest expense to average assets1.2714%5,880
Loan and lease loss provision to assets0.0782%2,661
Net operating income to assets1.7769%510
Return on assets (ROA)1.7769%538
Pretax return on assets3.0427%122
Return on Equity (ROE)15.8346%563
Retained earnings to average equity (ytd only)15.8346%112
Net charge-offs to loans0.0243%3,181
Credit loss provision to net charge-offs360.0000%910
Earnings coverage of net charge-offs (x)143.6342%482
Efficiency ratio28.8705%5,941
Assets per employee ($millions)13.5920%109
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.9215%4,799
Loan loss allowance to noncurrent loans92.7592%3,769
Noncurrent assets plus other real estate owned to assets0.8586%2,409
Noncurrent loans to loans0.9934%2,258
Net loans and leases to total assets85.6329%276
Net loans and leases to deposits97.0207%950
Net loans and leases to core deposits139.5486%201
Total domestic deposits to total assets88.2625%1,258
Equity capital to assets11.1713%2,824
Core capital (leverage) ratio11.3859%2,122
Tier 1 risk-based capital ratio14.3790%3,339
Total risk-based capital ratio15.4265%3,394
Memoranda:
Average total assets$767,007,750940
Average earning assets$740,740,000897
Average equity$86,071,000927
Average total loans$685,065,500728
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9345%664
Cost of funding earning assets0.6800%892
Net interest margin4.2545%1,011
Noninterest income to average assets0.5197%3,069
Noninterest expense to average assets1.2868%5,951
Loan and lease loss provision to assets0.0799%2,541
Net operating income to assets1.9168%389
Return on assets (ROA)1.9168%404
Pretax return on assets3.2593%106
Return on Equity (ROE)17.0535%435
Retained earnings to average equity (ytd only)17.0535%95
Net charge-offs to loans0.0000%3,689
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio27.7423%6,018
Assets per employee ($millions)13.3706%114
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.9136%4,910
Loan loss allowance to noncurrent loans91.3068%3,885
Noncurrent assets plus other real estate owned to assets0.9137%2,329
Noncurrent loans to loans1.0006%2,288
Net loans and leases to total assets90.4817%56
Net loans and leases to deposits102.5845%531
Net loans and leases to core deposits151.9108%115
Total domestic deposits to total assets88.2021%1,321
Equity capital to assets11.3486%2,697
Core capital (leverage) ratio11.2118%2,223
Tier 1 risk-based capital ratio13.6075%3,832
Total risk-based capital ratio14.6303%3,883
Memoranda:
Average total assets$750,836,670959
Average earning assets$724,696,000914
Average equity$84,393,330942
Average total loans$678,471,000734
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2609%378
Cost of funding earning assets0.6723%935
Net interest margin4.5885%510
Noninterest income to average assets0.6668%2,183
Noninterest expense to average assets1.3210%5,992
Loan and lease loss provision to assets0.0812%2,333
Net operating income to assets2.1719%240
Return on assets (ROA)2.1719%253
Pretax return on assets3.6929%86
Return on Equity (ROE)19.4222%271
Retained earnings to average equity (ytd only)19.4222%104
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio25.8637%6,086
Assets per employee ($millions)12.4003%142
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.9493%4,851
Loan loss allowance to noncurrent loans55.5360%4,706
Noncurrent assets plus other real estate owned to assets1.5621%1,285
Noncurrent loans to loans1.7093%1,319
Net loans and leases to total assets87.1811%159
Net loans and leases to deposits99.1678%678
Net loans and leases to core deposits145.0284%133
Total domestic deposits to total assets87.9128%1,690
Equity capital to assets11.2010%2,725
Core capital (leverage) ratio11.4938%1,973
Tier 1 risk-based capital ratio13.7193%3,853
Total risk-based capital ratio14.7664%3,893
Memoranda:
Average total assets$738,507,000981
Average earning assets$712,732,500934
Average equity$82,586,000966
Average total loans$663,630,500747
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5927%1,354
Cost of funding earning assets0.6423%1,115
Net interest margin3.9504%1,867
Noninterest income to average assets0.4335%3,796
Noninterest expense to average assets1.5115%5,979
Loan and lease loss provision to assets0.0683%2,927
Net operating income to assets1.5511%784
Return on assets (ROA)1.5511%805
Pretax return on assets2.6565%159
Return on Equity (ROE)13.4272%962
Retained earnings to average equity (ytd only)10.9536%351
Net charge-offs to loans-0.0051%4,982
Credit loss provision to net charge-offs-1,500.0000%5,606
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.5758%6,110
Assets per employee ($millions)12.0100%149
Cash dividends to net income (ytd only)*18.4221%3,831
Condition Ratios (%)
Loss allowance to loans0.9327%4,955
Loan loss allowance to noncurrent loans54.7763%4,749
Noncurrent assets plus other real estate owned to assets1.5631%1,271
Noncurrent loans to loans1.7028%1,329
Net loans and leases to total assets90.9410%41
Net loans and leases to deposits103.5204%464
Net loans and leases to core deposits151.1388%106
Total domestic deposits to total assets87.8484%1,723
Equity capital to assets11.1638%2,664
Core capital (leverage) ratio11.2106%2,206
Tier 1 risk-based capital ratio12.7987%4,454
Total risk-based capital ratio13.8073%4,489
Memoranda:
Average total assets$658,611,4001,037
Average earning assets$634,006,8001,001
Average equity$76,084,4001,001
Average total loans$589,363,200790
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5910%1,350
Cost of funding earning assets0.6299%1,216
Net interest margin3.9610%1,840
Noninterest income to average assets0.5150%3,261
Noninterest expense to average assets1.4091%6,094
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.7108%608
Return on assets (ROA)1.7108%636
Pretax return on assets2.9149%129
Return on Equity (ROE)14.6710%777
Retained earnings to average equity (ytd only)14.6710%177
Net charge-offs to loans-0.0231%5,253
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.4831%6,213
Assets per employee ($millions)11.6615%163
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.8935%5,224
Loan loss allowance to noncurrent loans87.1969%3,986
Noncurrent assets plus other real estate owned to assets0.9333%2,525
Noncurrent loans to loans1.0247%2,428
Net loans and leases to total assets90.2664%59
Net loans and leases to deposits102.4728%521
Net loans and leases to core deposits145.6580%131
Total domestic deposits to total assets88.0881%1,512
Equity capital to assets11.2764%2,725
Core capital (leverage) ratio11.5666%1,986
Tier 1 risk-based capital ratio13.2577%4,285
Total risk-based capital ratio14.2417%4,353
Memoranda:
Average total assets$643,115,0001,073
Average earning assets$618,446,5001,025
Average equity$74,994,0001,023
Average total loans$571,332,000820
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5619%1,372
Cost of funding earning assets0.6131%1,323
Net interest margin3.9488%1,813
Noninterest income to average assets0.5732%2,889
Noninterest expense to average assets1.4304%6,157
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.7267%598
Return on assets (ROA)1.7267%623
Pretax return on assets2.9321%139
Return on Equity (ROE)14.6232%800
Retained earnings to average equity (ytd only)14.6232%207
Net charge-offs to loans-0.0363%5,407
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.6781%6,282
Assets per employee ($millions)10.8656%205
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.9696%5,006
Loan loss allowance to noncurrent loans78.2509%4,255
Noncurrent assets plus other real estate owned to assets1.1162%2,273
Noncurrent loans to loans1.2391%2,178
Net loans and leases to total assets89.2028%94
Net loans and leases to deposits101.3506%579
Net loans and leases to core deposits142.7362%149
Total domestic deposits to total assets88.0141%1,649
Equity capital to assets11.4604%2,448
Core capital (leverage) ratio11.4695%2,017
Tier 1 risk-based capital ratio13.4858%4,231
Total risk-based capital ratio14.5437%4,274
Memoranda:
Average total assets$620,370,0001,114
Average earning assets$595,324,0001,068
Average equity$73,253,6701,051
Average total loans$545,809,670861
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6195%1,181
Cost of funding earning assets0.5436%1,896
Net interest margin4.0759%1,340
Noninterest income to average assets0.7350%1,990
Noninterest expense to average assets1.5015%6,178
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.8473%444
Return on assets (ROA)1.8473%471
Pretax return on assets3.1331%124
Return on Equity (ROE)15.3935%650
Retained earnings to average equity (ytd only)15.3935%252
Net charge-offs to loans-0.0761%5,726
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.2962%6,352
Assets per employee ($millions)10.2193%243
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.0774%4,627
Loan loss allowance to noncurrent loans76.0110%4,270
Noncurrent assets plus other real estate owned to assets1.2421%2,156
Noncurrent loans to loans1.4174%2,026
Net loans and leases to total assets86.6905%157
Net loans and leases to deposits101.1590%502
Net loans and leases to core deposits144.9392%122
Total domestic deposits to total assets85.6973%3,100
Equity capital to assets11.9559%2,061
Core capital (leverage) ratio12.3748%1,411
Tier 1 risk-based capital ratio13.8508%4,117
Total risk-based capital ratio14.9775%4,109
Memoranda:
Average total assets$599,153,5001,158
Average earning assets$573,218,5001,106
Average equity$71,900,5001,070
Average total loans$520,200,500909
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9316%873
Cost of funding earning assets0.5599%2,140
Net interest margin4.3717%927
Noninterest income to average assets0.5432%3,215
Noninterest expense to average assets1.6767%6,183
Loan and lease loss provision to assets0.0717%3,050
Net operating income to assets1.7777%499
Return on assets (ROA)1.7777%509
Pretax return on assets3.0164%113
Return on Equity (ROE)15.3758%713
Retained earnings to average equity (ytd only)12.8408%234
Net charge-offs to loans-0.0285%5,779
Credit loss provision to net charge-offs-273.9726%5,687
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.0654%6,447
Assets per employee ($millions)9.9178%260
Cash dividends to net income (ytd only)*16.4869%3,929
Condition Ratios (%)
Loss allowance to loans1.1311%4,388
Loan loss allowance to noncurrent loans55.2534%4,944
Noncurrent assets plus other real estate owned to assets1.7599%1,497
Noncurrent loans to loans2.0471%1,343
Net loans and leases to total assets84.9993%276
Net loans and leases to deposits98.5178%718
Net loans and leases to core deposits137.3319%183
Total domestic deposits to total assets86.2781%2,688
Equity capital to assets12.0470%1,986
Core capital (leverage) ratio12.2577%1,471
Tier 1 risk-based capital ratio14.2952%3,903
Total risk-based capital ratio15.4796%3,879
Memoranda:
Average total assets$558,187,6001,191
Average earning assets$539,012,6001,125
Average equity$64,536,6001,139
Average total loans$512,729,200868
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0268%733
Cost of funding earning assets0.5622%2,174
Net interest margin4.4646%797
Noninterest income to average assets0.6637%2,506
Noninterest expense to average assets1.5742%6,310
Loan and lease loss provision to assets0.0967%2,430
Net operating income to assets1.9355%388
Return on assets (ROA)1.9355%399
Pretax return on assets3.3107%97
Return on Equity (ROE)16.9286%557
Retained earnings to average equity (ytd only)16.9286%141
Net charge-offs to loans-0.0378%5,814
Credit loss provision to net charge-offs-273.9726%5,626
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio31.4793%6,533
Assets per employee ($millions)9.5506%273
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.0672%4,898
Loan loss allowance to noncurrent loans53.7096%5,009
Noncurrent assets plus other real estate owned to assets1.8487%1,600
Noncurrent loans to loans1.9870%1,601
Net loans and leases to total assets92.0488%28
Net loans and leases to deposits105.0666%363
Net loans and leases to core deposits146.1338%121
Total domestic deposits to total assets87.6100%1,971
Equity capital to assets11.7302%2,286
Core capital (leverage) ratio11.5405%2,034
Tier 1 risk-based capital ratio13.9695%4,239
Total risk-based capital ratio15.1844%4,210
Memoranda:
Average total assets$551,446,5001,218
Average earning assets$533,336,5001,144
Average equity$63,047,5001,164
Average total loans$515,145,250866
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6283%1,453
Cost of funding earning assets0.5566%2,297
Net interest margin4.0718%1,601
Noninterest income to average assets0.8625%1,615
Noninterest expense to average assets1.5644%6,383
Loan and lease loss provision to assets0.1470%1,682
Net operating income to assets1.8073%486
Return on assets (ROA)1.8073%501
Pretax return on assets3.0842%109
Return on Equity (ROE)15.9527%661
Retained earnings to average equity (ytd only)15.9527%175
Net charge-offs to loans-0.0574%5,934
Credit loss provision to net charge-offs-273.9726%5,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.4981%6,593
Assets per employee ($millions)9.8896%242
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.0880%4,954
Loan loss allowance to noncurrent loans25.2071%5,900
Noncurrent assets plus other real estate owned to assets4.0044%531
Noncurrent loans to loans4.3163%520
Net loans and leases to total assets91.7634%28
Net loans and leases to deposits104.2750%352
Net loans and leases to core deposits145.3529%114
Total domestic deposits to total assets88.0014%1,899
Equity capital to assets11.3703%2,534
Core capital (leverage) ratio11.2659%2,181
Tier 1 risk-based capital ratio13.4703%4,603
Total risk-based capital ratio14.6999%4,557
Memoranda:
Average total assets$544,250,0001,236
Average earning assets$525,718,0001,161
Average equity$61,657,3301,184
Average total loans$509,139,330872
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5959%1,518
Cost of funding earning assets0.5360%2,545
Net interest margin4.0599%1,575
Noninterest income to average assets1.4869%528
Noninterest expense to average assets1.5663%6,455
Loan and lease loss provision to assets0.1497%1,623
Net operating income to assets2.1649%256
Return on assets (ROA)2.1649%267
Pretax return on assets3.6930%96
Return on Equity (ROE)19.1467%348
Retained earnings to average equity (ytd only)19.1467%138
Net charge-offs to loans-0.1187%6,186
Credit loss provision to net charge-offs-134.2282%4,888
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio28.8462%6,682
Assets per employee ($millions)9.3133%309
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.0784%5,214
Loan loss allowance to noncurrent loans26.2748%5,943
Noncurrent assets plus other real estate owned to assets3.8046%654
Noncurrent loans to loans4.1045%638
Net loans and leases to total assets91.6959%21
Net loans and leases to deposits104.5030%276
Net loans and leases to core deposits143.4098%113
Total domestic deposits to total assets87.7447%2,387
Equity capital to assets11.2654%2,465
Core capital (leverage) ratio11.3947%2,054
Tier 1 risk-based capital ratio13.2615%4,853
Total risk-based capital ratio14.4731%4,813
Memoranda:
Average total assets$534,522,0001,267
Average earning assets$516,372,5001,191
Average equity$60,438,5001,203
Average total loans$502,226,000881
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1715%685
Cost of funding earning assets0.5717%2,911
Net interest margin4.5997%612
Noninterest income to average assets0.3839%4,565
Noninterest expense to average assets1.6708%6,471
Loan and lease loss provision to assets0.1739%2,126
Net operating income to assets1.7547%527
Return on assets (ROA)1.7547%541
Pretax return on assets2.9655%126
Return on Equity (ROE)16.3661%580
Retained earnings to average equity (ytd only)14.2598%192
Net charge-offs to loans0.0002%5,474
Credit loss provision to net charge-offs90,000.0000%2
Earnings coverage of net charge-offs (x)16,251.0000%2
Efficiency ratio34.5823%6,739
Assets per employee ($millions)9.2778%296
Cash dividends to net income (ytd only)*12.8702%3,954
Condition Ratios (%)
Loss allowance to loans1.0390%5,380
Loan loss allowance to noncurrent loans49.8256%5,267
Noncurrent assets plus other real estate owned to assets1.9871%1,809
Noncurrent loans to loans2.0852%1,899
Net loans and leases to total assets94.3030%5
Net loans and leases to deposits109.3353%182
Net loans and leases to core deposits142.9986%124
Total domestic deposits to total assets86.2512%3,135
Equity capital to assets11.3510%2,291
Core capital (leverage) ratio11.1498%2,235
Tier 1 risk-based capital ratio14.4779%3,968
Total risk-based capital ratio15.7284%3,906
Memoranda:
Average total assets$517,644,6001,282
Average earning assets$498,136,0001,222
Average equity$55,498,8001,285
Average total loans$469,277,600909
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2388%599
Cost of funding earning assets0.5756%3,039
Net interest margin4.6632%548
Noninterest income to average assets0.4439%4,197
Noninterest expense to average assets1.5677%6,582
Loan and lease loss provision to assets0.2320%1,557
Net operating income to assets1.8506%479
Return on assets (ROA)1.8506%493
Pretax return on assets3.1267%122
Return on Equity (ROE)17.5187%486
Retained earnings to average equity (ytd only)17.5187%117
Net charge-offs to loans-0.0049%5,782
Credit loss provision to net charge-offs-5,294.1176%6,359
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio31.6762%6,822
Assets per employee ($millions)9.3272%281
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.0864%5,381
Loan loss allowance to noncurrent loans45.6855%5,420
Noncurrent assets plus other real estate owned to assets2.1632%1,845
Noncurrent loans to loans2.3780%1,850
Net loans and leases to total assets89.9809%41
Net loans and leases to deposits103.6188%311
Net loans and leases to core deposits133.3077%154
Total domestic deposits to total assets86.8384%2,785
Equity capital to assets11.1464%2,623
Core capital (leverage) ratio11.1414%2,350
Tier 1 risk-based capital ratio14.4194%4,130
Total risk-based capital ratio15.6701%4,088
Memoranda:
Average total assets$517,166,2501,293
Average earning assets$497,126,2501,236
Average equity$54,629,7501,316
Average total loans$462,821,250921
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3359%491
Cost of funding earning assets0.5817%3,106
Net interest margin4.7542%464
Noninterest income to average assets0.4148%4,416
Noninterest expense to average assets1.5478%6,639
Loan and lease loss provision to assets0.2328%1,603
Net operating income to assets1.8927%426
Return on assets (ROA)1.8927%463
Pretax return on assets3.1972%131
Return on Equity (ROE)18.2584%446
Retained earnings to average equity (ytd only)18.2584%120
Net charge-offs to loans-0.0161%5,893
Credit loss provision to net charge-offs-1,621.6216%6,107
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio30.9455%6,873
Assets per employee ($millions)9.3127%267
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.0522%5,620
Loan loss allowance to noncurrent loans56.6226%4,944
Noncurrent assets plus other real estate owned to assets1.9758%2,182
Noncurrent loans to loans1.8582%2,550
Net loans and leases to total assets89.6343%52
Net loans and leases to deposits103.5968%277
Net loans and leases to core deposits128.5146%202
Total domestic deposits to total assets86.5223%3,105
Equity capital to assets10.9131%2,833
Core capital (leverage) ratio10.6895%2,679
Tier 1 risk-based capital ratio13.8924%4,498
Total risk-based capital ratio15.1343%4,475
Memoranda:
Average total assets$515,447,3301,299
Average earning assets$494,720,6701,238
Average equity$53,433,0001,346
Average total loans$458,710,670924
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2340%571
Cost of funding earning assets0.5807%3,287
Net interest margin4.6533%519
Noninterest income to average assets0.5067%3,729
Noninterest expense to average assets1.5023%6,740
Loan and lease loss provision to assets0.2321%1,574
Net operating income to assets1.9038%400
Return on assets (ROA)1.9038%439
Pretax return on assets3.2359%130
Return on Equity (ROE)18.8579%366
Retained earnings to average equity (ytd only)18.8579%171
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio30.0856%6,959
Assets per employee ($millions)10.2742%207
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9813%6,049
Loan loss allowance to noncurrent loans58.5093%4,788
Noncurrent assets plus other real estate owned to assets1.8315%2,569
Noncurrent loans to loans1.6771%3,031
Net loans and leases to total assets87.5289%79
Net loans and leases to deposits100.9415%316
Net loans and leases to core deposits123.5571%239
Total domestic deposits to total assets86.7124%3,123
Equity capital to assets10.1984%3,908
Core capital (leverage) ratio10.4045%2,897
Tier 1 risk-based capital ratio12.8085%5,364
Total risk-based capital ratio13.9175%5,412
Memoranda:
Average total assets$517,071,0001,306
Average earning assets$495,992,0001,249
Average equity$52,201,0001,396
Average total loans$456,071,500927
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2934%939
Cost of funding earning assets0.7849%2,781
Net interest margin4.5085%932
Noninterest income to average assets0.2754%5,490
Noninterest expense to average assets1.6820%6,736
Loan and lease loss provision to assets0.2530%2,631
Net operating income to assets1.5603%813
Return on assets (ROA)1.5603%893
Pretax return on assets2.6650%204
Return on Equity (ROE)16.8057%560
Retained earnings to average equity (ytd only)15.0551%155
Net charge-offs to loans0.0623%5,073
Credit loss provision to net charge-offs524.1935%462
Earnings coverage of net charge-offs (x)60.4476%592
Efficiency ratio36.3702%6,986
Assets per employee ($millions)10.4113%206
Cash dividends to net income (ytd only)*10.4167%4,064
Condition Ratios (%)
Loss allowance to loans0.9455%6,141
Loan loss allowance to noncurrent loans49.9882%5,130
Noncurrent assets plus other real estate owned to assets2.0231%2,423
Noncurrent loans to loans1.8915%2,816
Net loans and leases to total assets87.1722%105
Net loans and leases to deposits101.5357%347
Net loans and leases to core deposits125.9510%223
Total domestic deposits to total assets85.8537%3,424
Equity capital to assets9.9899%4,176
Core capital (leverage) ratio9.9354%3,490
Tier 1 risk-based capital ratio12.6833%5,335
Total risk-based capital ratio13.7590%5,424
Memoranda:
Average total assets$513,739,2001,301
Average earning assets$492,779,0001,234
Average equity$47,698,0001,463
Average total loans$398,199,4001,050
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2933%1,026
Cost of funding earning assets0.8292%2,711
Net interest margin4.4641%1,062
Noninterest income to average assets0.3161%5,250
Noninterest expense to average assets1.5172%6,930
Loan and lease loss provision to assets0.2332%2,710
Net operating income to assets1.6879%696
Return on assets (ROA)1.6879%779
Pretax return on assets2.8478%180
Return on Equity (ROE)18.5285%441
Retained earnings to average equity (ytd only)18.5285%107
Net charge-offs to loans0.0311%5,210
Credit loss provision to net charge-offs1,000.0000%277
Earnings coverage of net charge-offs (x)132.1300%332
Efficiency ratio32.7981%7,106
Assets per employee ($millions)10.0304%231
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.9097%6,355
Loan loss allowance to noncurrent loans50.0438%5,127
Noncurrent assets plus other real estate owned to assets1.9238%2,752
Noncurrent loans to loans1.8179%3,052
Net loans and leases to total assets85.2331%177
Net loans and leases to deposits98.8270%503
Net loans and leases to core deposits124.5776%239
Total domestic deposits to total assets86.2447%3,122
Equity capital to assets9.8339%4,733
Core capital (leverage) ratio9.5791%4,151
Tier 1 risk-based capital ratio12.5173%5,626
Total risk-based capital ratio13.5295%5,758
Memoranda:
Average total assets$514,635,0001,312
Average earning assets$493,647,2501,248
Average equity$46,881,5001,504
Average total loans$385,509,5001,096
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1977%1,260
Cost of funding earning assets0.8723%2,641
Net interest margin4.3253%1,406
Noninterest income to average assets0.3231%5,242
Noninterest expense to average assets1.5114%6,999
Loan and lease loss provision to assets0.2327%2,743
Net operating income to assets1.5979%840
Return on assets (ROA)1.5979%937
Pretax return on assets2.7270%214
Return on Equity (ROE)18.0147%507
Retained earnings to average equity (ytd only)18.0147%141
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.5965%7,143
Assets per employee ($millions)9.7130%256
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.9698%6,261
Loan loss allowance to noncurrent loans51.6757%5,020
Noncurrent assets plus other real estate owned to assets1.7506%3,102
Noncurrent loans to loans1.8767%3,106
Net loans and leases to total assets73.8457%1,268
Net loans and leases to deposits83.7792%1,880
Net loans and leases to core deposits105.0043%793
Total domestic deposits to total assets88.1432%2,044
Equity capital to assets9.1330%5,546
Core capital (leverage) ratio9.0488%4,847
Tier 1 risk-based capital ratio12.7655%5,362
Total risk-based capital ratio13.7930%5,519
Memoranda:
Average total assets$515,664,0001,311
Average earning assets$494,530,3301,246
Average equity$45,740,3301,523
Average total loans$367,342,3301,148
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1065%1,553
Cost of funding earning assets0.9127%2,587
Net interest margin4.1937%1,775
Noninterest income to average assets0.3231%5,289
Noninterest expense to average assets1.5452%7,018
Loan and lease loss provision to assets0.2347%2,593
Net operating income to assets1.4944%1,033
Return on assets (ROA)1.4944%1,152
Pretax return on assets2.5514%313
Return on Equity (ROE)17.1074%653
Retained earnings to average equity (ytd only)17.1074%303
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.4408%7,189
Assets per employee ($millions)10.3142%217
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.9609%6,386
Loan loss allowance to noncurrent loans48.5746%5,151
Noncurrent assets plus other real estate owned to assets1.8861%3,063
Noncurrent loans to loans1.9783%3,189
Net loans and leases to total assets69.8081%1,785
Net loans and leases to deposits79.1321%2,325
Net loans and leases to core deposits96.9867%1,201
Total domestic deposits to total assets88.2172%2,178
Equity capital to assets8.8517%5,691
Core capital (leverage) ratio8.8703%5,034
Tier 1 risk-based capital ratio12.6212%5,501
Total risk-based capital ratio13.6099%5,675
Memoranda:
Average total assets$511,245,0001,328
Average earning assets$488,635,0001,264
Average equity$44,659,0001,550
Average total loans$355,456,0001,182
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1013%2,454
Cost of funding earning assets0.9775%3,524
Net interest margin4.1238%2,337
Noninterest income to average assets1.2273%870
Noninterest expense to average assets2.4548%5,623
Loan and lease loss provision to assets0.2699%3,519
Net operating income to assets1.8284%439
Return on assets (ROA)1.8284%471
Pretax return on assets2.4472%225
Return on Equity (ROE)18.4730%350
Retained earnings to average equity (ytd only)16.6975%87
Net charge-offs to loans0.1608%4,856
Credit loss provision to net charge-offs233.1818%1,043
Earnings coverage of net charge-offs (x)23.4727%1,023
Efficiency ratio47.4643%6,968
Assets per employee ($millions)11.0170%180
Cash dividends to net income (ytd only)*9.6115%3,870
Condition Ratios (%)
Loss allowance to loans0.9191%6,489
Loan loss allowance to noncurrent loans32.3113%6,058
Noncurrent assets plus other real estate owned to assets2.8008%2,155
Noncurrent loans to loans2.8445%2,297
Net loans and leases to total assets67.9227%2,411
Net loans and leases to deposits76.9764%3,008
Net loans and leases to core deposits94.2893%1,664
Total domestic deposits to total assets88.2383%2,007
Equity capital to assets8.6169%5,996
Core capital (leverage) ratio8.0748%6,168
Tier 1 risk-based capital ratio11.6126%6,081
Total risk-based capital ratio12.5073%6,284
Memoranda:
Average total assets$380,110,2001,700
Average earning assets$363,596,4001,627
Average equity$37,622,4001,786
Average total loans$273,626,0001,547
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9958%3,100
Cost of funding earning assets0.9649%3,931
Net interest margin4.0309%2,775
Noninterest income to average assets1.7804%453
Noninterest expense to average assets2.5086%5,434
Loan and lease loss provision to assets0.3926%2,503
Net operating income to assets2.2526%233
Return on assets (ROA)2.2526%253
Pretax return on assets2.7413%173
Return on Equity (ROE)21.7363%228
Retained earnings to average equity (ytd only)21.7363%55
Net charge-offs to loans0.0956%5,023
Credit loss provision to net charge-offs560.6557%494
Earnings coverage of net charge-offs (x)44.7548%708
Efficiency ratio44.4595%7,132
Assets per employee ($millions)10.2083%235
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.9825%6,345
Loan loss allowance to noncurrent loans92.7669%3,153
Noncurrent assets plus other real estate owned to assets1.8444%3,343
Noncurrent loans to loans1.0591%4,794
Net loans and leases to total assets68.1190%2,461
Net loans and leases to deposits77.4483%3,093
Net loans and leases to core deposits95.5413%1,651
Total domestic deposits to total assets87.9542%2,057
Equity capital to assets8.4927%6,304
Core capital (leverage) ratio8.8091%5,250
Tier 1 risk-based capital ratio11.3685%6,320
Total risk-based capital ratio12.3206%6,481
Memoranda:
Average total assets$348,442,2501,866
Average earning assets$333,844,7501,788
Average equity$36,110,7501,874
Average total loans$255,179,2501,658
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2248%2,165
Cost of funding earning assets1.0364%3,692
Net interest margin4.1884%2,081
Noninterest income to average assets0.1406%6,620
Noninterest expense to average assets2.6198%5,114
Loan and lease loss provision to assets0.4931%1,996
Net operating income to assets0.5943%4,092
Return on assets (ROA)0.5943%4,225
Pretax return on assets1.0684%2,974
Return on Equity (ROE)5.1931%4,361
Retained earnings to average equity (ytd only)5.1931%2,878
Net charge-offs to loans0.0995%4,685
Credit loss provision to net charge-offs654.0541%481
Earnings coverage of net charge-offs (x)20.7117%1,181
Efficiency ratio62.6543%5,468
Assets per employee ($millions)8.6174%372
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.2723%5,184
Loan loss allowance to noncurrent loans82.7214%3,411
Noncurrent assets plus other real estate owned to assets1.3690%4,166
Noncurrent loans to loans1.5380%4,104
Net loans and leases to total assets76.3532%1,031
Net loans and leases to deposits86.6341%1,696
Net loans and leases to core deposits119.6164%430
Total domestic deposits to total assets88.1329%2,056
Equity capital to assets11.6799%2,341
Core capital (leverage) ratio11.3954%1,979
Tier 1 risk-based capital ratio14.6846%3,681
Total risk-based capital ratio15.9349%3,650
Memoranda:
Average total assets$294,450,6702,180
Average earning assets$284,069,3302,081
Average equity$33,698,3301,971
Average total loans$223,192,0001,885
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9423%3,359
Cost of funding earning assets1.0596%3,787
Net interest margin3.8827%3,227
Noninterest income to average assets0.1396%6,713
Noninterest expense to average assets2.4336%5,780
Loan and lease loss provision to assets0.4461%1,977
Net operating income to assets0.5497%4,272
Return on assets (ROA)0.5497%4,356
Pretax return on assets0.9988%3,135
Return on Equity (ROE)4.8625%4,473
Retained earnings to average equity (ytd only)4.8625%3,276
Net charge-offs to loans-0.0038%6,215
Credit loss provision to net charge-offs-15,500.0000%6,447
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.7458%5,560
Assets per employee ($millions)8.4731%401
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.1281%5,938
Loan loss allowance to noncurrent loans77.2836%3,632
Noncurrent assets plus other real estate owned to assets1.3029%4,361
Noncurrent loans to loans1.4597%4,276
Net loans and leases to total assets75.4818%1,109
Net loans and leases to deposits85.2225%1,847
Net loans and leases to core deposits120.1095%415
Total domestic deposits to total assets88.5703%2,035
Equity capital to assets11.1116%2,572
Core capital (leverage) ratio10.6807%2,448
Tier 1 risk-based capital ratio13.7618%4,237
Total risk-based capital ratio14.8766%4,306
Memoranda:
Average total assets$277,945,5002,320
Average earning assets$267,651,0002,213
Average equity$31,424,0002,087
Average total loans$208,163,5002,030
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5313%6,309
Cost of funding earning assets1.2838%3,989
Net interest margin3.2476%6,144
Noninterest income to average assets0.1252%6,774
Noninterest expense to average assets2.2408%6,512
Loan and lease loss provision to assets0.1223%5,937
Net operating income to assets0.4872%4,160
Return on assets (ROA)0.4935%4,286
Pretax return on assets0.8896%3,336
Return on Equity (ROE)4.1106%4,474
Retained earnings to average equity (ytd only)4.1106%2,976
Net charge-offs to loans0.1633%5,357
Credit loss provision to net charge-offs102.8807%4,388
Earnings coverage of net charge-offs (x)8.4321%1,970
Efficiency ratio69.0997%4,359
Assets per employee ($millions)7.2322%668
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.6544%3,381
Loan loss allowance to noncurrent loans272.1294%1,127
Noncurrent assets plus other real estate owned to assets1.6210%3,885
Noncurrent loans to loans0.6079%5,830
Net loans and leases to total assets71.4279%2,214
Net loans and leases to deposits81.0297%2,985
Net loans and leases to core deposits110.7257%881
Total domestic deposits to total assets88.1503%2,149
Equity capital to assets11.6091%2,181
Core capital (leverage) ratio11.9488%1,587
Tier 1 risk-based capital ratio15.8987%2,795
Total risk-based capital ratio17.1534%2,752
Memoranda:
Average total assets$204,476,6003,047
Average earning assets$196,299,6002,928
Average equity$24,546,0002,603
Average total loans$148,780,8002,795
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4416%6,745
Cost of funding earning assets1.3362%4,002
Net interest margin3.1054%6,602
Noninterest income to average assets0.1357%6,874
Noninterest expense to average assets1.9872%7,072
Loan and lease loss provision to assets0.1655%5,388
Net operating income to assets0.5344%4,169
Return on assets (ROA)0.5344%4,338
Pretax return on assets0.9654%3,309
Return on Equity (ROE)4.4123%4,594
Retained earnings to average equity (ytd only)4.4123%3,393
Net charge-offs to loans0.2229%4,605
Credit loss provision to net charge-offs102.0408%4,219
Earnings coverage of net charge-offs (x)6.9714%2,411
Efficiency ratio63.7290%5,293
Assets per employee ($millions)9.4838%303
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.6720%3,244
Loan loss allowance to noncurrent loans152.5176%1,857
Noncurrent assets plus other real estate owned to assets2.0887%3,353
Noncurrent loans to loans1.0963%5,048
Net loans and leases to total assets73.4235%1,926
Net loans and leases to deposits83.5568%2,783
Net loans and leases to core deposits110.5687%1,009
Total domestic deposits to total assets87.8726%2,035
Equity capital to assets11.9395%2,194
Core capital (leverage) ratio11.9540%1,695
Tier 1 risk-based capital ratio16.0052%2,762
Total risk-based capital ratio17.2618%2,707
Memoranda:
Average total assets$201,354,0003,122
Average earning assets$193,378,0002,995
Average equity$24,385,5002,664
Average total loans$146,580,5002,862
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3880%6,924
Cost of funding earning assets1.3399%4,253
Net interest margin3.0482%6,727
Noninterest income to average assets0.1126%7,039
Noninterest expense to average assets2.0058%7,100
Loan and lease loss provision to assets0.2514%4,410
Net operating income to assets0.4353%4,603
Return on assets (ROA)0.4353%4,758
Pretax return on assets0.7832%3,937
Return on Equity (ROE)3.5770%4,978
Retained earnings to average equity (ytd only)3.5770%3,823
Net charge-offs to loans0.3442%3,624
Credit loss provision to net charge-offs101.2146%4,028
Earnings coverage of net charge-offs (x)4.1660%3,033
Efficiency ratio65.9722%4,986
Assets per employee ($millions)9.1313%331
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.8454%2,581
Loan loss allowance to noncurrent loans132.4682%2,110
Noncurrent assets plus other real estate owned to assets2.1974%3,261
Noncurrent loans to loans1.3931%4,614
Net loans and leases to total assets65.9215%3,852
Net loans and leases to deposits77.0630%4,149
Net loans and leases to core deposits104.4409%1,598
Total domestic deposits to total assets85.5424%3,350
Equity capital to assets11.6565%2,314
Core capital (leverage) ratio11.9086%1,699
Tier 1 risk-based capital ratio16.7855%2,369
Total risk-based capital ratio18.0419%2,317
Memoranda:
Average total assets$198,924,3303,180
Average earning assets$191,064,6703,047
Average equity$24,210,3302,670
Average total loans$143,508,0002,947
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5920%6,582
Cost of funding earning assets1.3248%4,654
Net interest margin3.2672%6,076
Noninterest income to average assets0.1055%7,176
Noninterest expense to average assets2.1140%6,897
Loan and lease loss provision to assets0.3103%3,558
Net operating income to assets0.4737%4,518
Return on assets (ROA)0.4737%4,650
Pretax return on assets0.8440%3,692
Return on Equity (ROE)3.8048%4,979
Retained earnings to average equity (ytd only)3.8048%3,859
Net charge-offs to loans-0.0470%7,330
Credit loss provision to net charge-offs-882.3529%6,367
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6835%5,359
Assets per employee ($millions)9.4150%313
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.8995%2,445
Loan loss allowance to noncurrent loans39.1649%5,747
Noncurrent assets plus other real estate owned to assets3.6270%1,932
Noncurrent loans to loans4.8499%1,510
Net loans and leases to total assets72.2792%2,391
Net loans and leases to deposits85.2122%2,726
Net loans and leases to core deposits115.7499%956
Total domestic deposits to total assets84.8225%3,750
Equity capital to assets12.2308%1,914
Core capital (leverage) ratio12.9105%1,239
Tier 1 risk-based capital ratio17.0854%2,238
Total risk-based capital ratio18.3509%2,186
Memoranda:
Average total assets$193,376,0003,317
Average earning assets$187,193,5003,159
Average equity$24,075,0002,714
Average total loans$144,736,0002,987
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2910%5,222
Cost of funding earning assets1.5614%5,221
Net interest margin3.7296%4,001
Noninterest income to average assets0.1179%7,163
Noninterest expense to average assets2.3479%6,610
Loan and lease loss provision to assets0.9706%2,325
Net operating income to assets0.2132%4,859
Return on assets (ROA)0.2132%4,920
Pretax return on assets0.3874%4,531
Return on Equity (ROE)1.5454%5,068
Retained earnings to average equity (ytd only)1.5454%3,994
Net charge-offs to loans0.9938%2,422
Credit loss provision to net charge-offs119.6135%4,485
Earnings coverage of net charge-offs (x)1.6736%4,483
Efficiency ratio63.3542%5,900
Assets per employee ($millions)8.5926%401
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.8081%2,517
Loan loss allowance to noncurrent loans74.3282%3,700
Noncurrent assets plus other real estate owned to assets1.9065%3,520
Noncurrent loans to loans2.4326%3,119
Net loans and leases to total assets74.6934%2,096
Net loans and leases to deposits88.7001%2,440
Net loans and leases to core deposits177.2031%177
Total domestic deposits to total assets84.2090%3,937
Equity capital to assets12.6789%1,657
Core capital (leverage) ratio13.0120%1,252
Tier 1 risk-based capital ratio16.8932%2,173
Total risk-based capital ratio18.1507%2,149
Memoranda:
Average total assets$172,154,2003,573
Average earning assets$165,619,4003,410
Average equity$23,748,0002,763
Average total loans$140,575,6003,071
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3472%5,187
Cost of funding earning assets1.5915%5,444
Net interest margin3.7557%3,835
Noninterest income to average assets0.1247%7,263
Noninterest expense to average assets2.2953%6,720
Loan and lease loss provision to assets0.3739%4,084
Net operating income to assets0.5891%3,638
Return on assets (ROA)0.5891%3,703
Pretax return on assets1.0639%2,695
Return on Equity (ROE)4.1755%4,313
Retained earnings to average equity (ytd only)4.1755%2,946
Net charge-offs to loans0.5628%2,995
Credit loss provision to net charge-offs79.8305%5,771
Earnings coverage of net charge-offs (x)3.0695%3,695
Efficiency ratio61.4845%6,197
Assets per employee ($millions)8.5630%421
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.5346%3,258
Loan loss allowance to noncurrent loans121.5978%2,341
Noncurrent assets plus other real estate owned to assets1.0683%4,939
Noncurrent loans to loans1.2620%4,834
Net loans and leases to total assets78.7501%1,435
Net loans and leases to deposits99.2584%1,182
Net loans and leases to core deposits191.4865%128
Total domestic deposits to total assets79.3385%5,681
Equity capital to assets13.4561%1,516
Core capital (leverage) ratio13.7395%1,159
Tier 1 risk-based capital ratio17.4176%2,142
Total risk-based capital ratio18.6716%2,097
Memoranda:
Average total assets$167,933,2503,665
Average earning assets$161,352,2503,521
Average equity$23,693,0002,788
Average total loans$139,769,7503,123
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3914%5,194
Cost of funding earning assets1.5999%5,742
Net interest margin3.7914%3,587
Noninterest income to average assets0.1317%7,303
Noninterest expense to average assets2.3321%6,670
Loan and lease loss provision to assets0.1830%5,205
Net operating income to assets0.6879%3,308
Return on assets (ROA)0.6879%3,419
Pretax return on assets1.2441%2,181
Return on Equity (ROE)4.7949%4,170
Retained earnings to average equity (ytd only)4.7949%2,643
Net charge-offs to loans0.1864%4,400
Credit loss provision to net charge-offs116.2791%3,988
Earnings coverage of net charge-offs (x)9.0698%2,180
Efficiency ratio62.0376%6,240
Assets per employee ($millions)7.0562%757
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.6294%2,615
Loan loss allowance to noncurrent loans2,214.1509%186
Noncurrent assets plus other real estate owned to assets0.1252%7,248
Noncurrent loans to loans0.0736%7,340
Net loans and leases to total assets83.6692%682
Net loans and leases to deposits109.2189%592
Net loans and leases to core deposits177.2204%247
Total domestic deposits to total assets76.6069%6,417
Equity capital to assets14.0585%1,293
Core capital (leverage) ratio15.0630%908
Tier 1 risk-based capital ratio16.8107%2,361
Total risk-based capital ratio18.0551%2,311
Memoranda:
Average total assets$163,970,3303,741
Average earning assets$156,880,3303,616
Average equity$23,525,0002,809
Average total loans$138,420,6703,173
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2570%6,085
Cost of funding earning assets1.6469%5,829
Net interest margin3.6101%4,277
Noninterest income to average assets0.1438%7,269
Noninterest expense to average assets2.3735%6,278
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.6647%3,733
Return on assets (ROA)0.6647%3,909
Pretax return on assets1.1954%2,646
Return on Equity (ROE)4.5844%4,668
Retained earnings to average equity (ytd only)4.5844%3,377
Net charge-offs to loans0.3805%2,568
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)3.7364%3,082
Efficiency ratio66.5045%5,232
Assets per employee ($millions)6.9999%774
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.5942%2,541
Loan loss allowance to noncurrent loans2,072.6415%225
Noncurrent assets plus other real estate owned to assets0.1317%7,190
Noncurrent loans to loans0.0769%7,304
Net loans and leases to total assets84.2320%658
Net loans and leases to deposits117.3156%350
Net loans and leases to core deposits197.4505%149
Total domestic deposits to total assets71.7995%7,239
Equity capital to assets14.5953%1,211
Core capital (leverage) ratio15.0117%972
Tier 1 risk-based capital ratio15.9287%2,713
Total risk-based capital ratio17.1816%2,652
Memoranda:
Average total assets$161,281,0003,810
Average earning assets$153,014,5003,696
Average equity$23,383,5002,833
Average total loans$135,611,0003,255
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9927%5,574
Cost of funding earning assets2.4470%4,490
Net interest margin3.5457%5,119
Noninterest income to average assets0.2641%6,567
Noninterest expense to average assets2.5126%5,955
Loan and lease loss provision to assets0.6760%2,151
Net operating income to assets0.6839%3,964
Return on assets (ROA)0.6839%3,801
Pretax return on assets0.4502%5,123
Return on Equity (ROE)4.5451%4,580
Retained earnings to average equity (ytd only)4.5451%2,291
Net charge-offs to loans-0.1087%8,102
Credit loss provision to net charge-offs-752.9412%7,417
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0493%4,520
Assets per employee ($millions)7.6936%515
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.7434%1,788
Loan loss allowance to noncurrent loans70.8067%4,520
Noncurrent assets plus other real estate owned to assets2.0332%2,422
Noncurrent loans to loans2.4623%2,220
Net loans and leases to total assets81.1364%1,405
Net loans and leases to deposits120.9120%367
Net loans and leases to core deposits191.1015%214
Total domestic deposits to total assets67.1036%7,562
Equity capital to assets14.4023%1,325
Core capital (leverage) ratio15.1313%998
Tier 1 risk-based capital ratio15.9408%2,689
Total risk-based capital ratio17.2019%2,627
Memoranda:
Average total assets$151,476,2003,870
Average earning assets$144,174,4003,753
Average equity$22,793,6002,873
Average total loans$125,167,6003,346