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First Ipswich Bank, Performance and Condition Ratios

2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0073%4,243
Cost of funding earning assets1.0251%1,622
Net interest margin2.9822%4,539
Noninterest income to average assets0.4054%3,266
Noninterest expense to average assets2.8154%2,552
Loan and lease loss provision to assets0.0212%3,597
Net operating income to assets0.3179%4,729
Return on assets (ROA)0.3205%4,755
Pretax return on assets0.4207%4,677
Return on Equity (ROE)3.2895%4,610
Retained earnings to average equity (ytd only)3.2895%3,366
Net charge-offs to loans0.3262%635
Credit loss provision to net charge-offs9.8532%3,358
Earnings coverage of net charge-offs (x)2.0419%3,462
Efficiency ratio85.2795%584
Assets per employee ($millions)8.3285%633
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.7826%4,359
Loan loss allowance to noncurrent loans187.6396%2,194
Noncurrent assets plus other real estate owned to assets0.2689%3,351
Noncurrent loans to loans0.4171%2,951
Net loans and leases to total assets63.9640%3,201
Net loans and leases to deposits79.5739%2,823
Net loans and leases to core deposits89.8093%2,445
Total domestic deposits to total assets80.3832%3,899
Equity capital to assets9.5539%4,309
Core capital (leverage) ratio8.7994%4,667
Tier 1 risk-based capital ratio13.4457%3,556
Total risk-based capital ratio14.2403%3,671
Memoranda:
Average total assets$444,269,8001,579
Average earning assets$424,352,4001,526
Average equity$43,288,6001,808
Average total loans$292,486,0001,638
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2390%3,832
Cost of funding earning assets1.0565%1,513
Net interest margin3.1825%4,337
Noninterest income to average assets0.4318%3,130
Noninterest expense to average assets2.9417%2,122
Loan and lease loss provision to assets0.0514%2,880
Net operating income to assets0.2697%4,877
Return on assets (ROA)0.2738%4,885
Pretax return on assets0.3577%4,851
Return on Equity (ROE)2.7956%4,800
Retained earnings to average equity (ytd only)2.7956%3,974
Net charge-offs to loans0.4379%382
Credit loss provision to net charge-offs17.7149%2,976
Earnings coverage of net charge-offs (x)1.3931%3,297
Efficiency ratio86.7835%459
Assets per employee ($millions)7.1531%971
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.8197%4,352
Loan loss allowance to noncurrent loans179.9852%2,265
Noncurrent assets plus other real estate owned to assets0.2901%3,391
Noncurrent loans to loans0.4554%2,939
Net loans and leases to total assets63.1832%3,365
Net loans and leases to deposits78.8672%3,020
Net loans and leases to core deposits90.8830%2,477
Total domestic deposits to total assets80.1134%3,971
Equity capital to assets9.4720%4,480
Core capital (leverage) ratio10.6555%2,970
Tier 1 risk-based capital ratio13.0528%3,816
Total risk-based capital ratio13.8574%3,954
Memoranda:
Average total assets$438,738,5001,606
Average earning assets$401,691,0001,619
Average equity$42,971,0001,829
Average total loans$290,438,0001,654
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0809%4,209
Cost of funding earning assets0.9721%1,817
Net interest margin3.1088%4,517
Noninterest income to average assets0.4302%3,064
Noninterest expense to average assets2.9916%2,025
Loan and lease loss provision to assets0.0791%2,243
Net operating income to assets0.2441%4,944
Return on assets (ROA)0.2488%4,955
Pretax return on assets0.3256%4,909
Return on Equity (ROE)2.5109%4,871
Retained earnings to average equity (ytd only)2.5109%3,940
Net charge-offs to loans0.6239%244
Credit loss provision to net charge-offs18.8889%2,661
Earnings coverage of net charge-offs (x)0.9522%3,064
Efficiency ratio87.2548%480
Assets per employee ($millions)6.9249%1,038
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.8589%4,238
Loan loss allowance to noncurrent loans161.9700%2,504
Noncurrent assets plus other real estate owned to assets0.3406%3,172
Noncurrent loans to loans0.5303%2,684
Net loans and leases to total assets63.6707%3,373
Net loans and leases to deposits79.0757%3,051
Net loans and leases to core deposits91.1089%2,499
Total domestic deposits to total assets80.5187%3,931
Equity capital to assets9.6601%4,265
Core capital (leverage) ratio9.3427%4,315
Tier 1 risk-based capital ratio13.2229%3,723
Total risk-based capital ratio14.0659%3,841
Memoranda:
Average total assets$430,001,0001,636
Average earning assets$409,420,3301,596
Average equity$42,614,6701,843
Average total loans$288,517,6701,667
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1422%4,025
Cost of funding earning assets0.9360%1,859
Net interest margin3.2062%4,371
Noninterest income to average assets0.5029%2,537
Noninterest expense to average assets3.0585%1,831
Loan and lease loss provision to assets0.0476%2,695
Net operating income to assets0.3393%4,852
Return on assets (ROA)0.3439%4,855
Pretax return on assets0.4563%4,764
Return on Equity (ROE)3.4233%4,695
Retained earnings to average equity (ytd only)3.4233%3,548
Net charge-offs to loans1.1879%104
Credit loss provision to net charge-offs5.8411%2,195
Earnings coverage of net charge-offs (x)0.6110%2,657
Efficiency ratio85.5115%613
Assets per employee ($millions)6.3381%1,323
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.8512%4,342
Loan loss allowance to noncurrent loans153.5418%2,633
Noncurrent assets plus other real estate owned to assets0.5250%2,529
Noncurrent loans to loans0.5544%2,660
Net loans and leases to total assets66.9956%2,897
Net loans and leases to deposits77.0053%3,162
Net loans and leases to core deposits89.2040%2,585
Total domestic deposits to total assets87.0012%1,813
Equity capital to assets10.1944%3,627
Core capital (leverage) ratio9.6301%3,998
Tier 1 risk-based capital ratio14.1135%3,290
Total risk-based capital ratio14.9891%3,386
Memoranda:
Average total assets$419,942,0001,688
Average earning assets$399,980,0001,639
Average equity$42,181,0001,846
Average total loans$288,238,0001,678
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0039%4,017
Cost of funding earning assets0.7216%1,946
Net interest margin3.2823%4,298
Noninterest income to average assets0.5541%2,527
Noninterest expense to average assets2.9719%2,130
Loan and lease loss provision to assets0.1694%1,186
Net operating income to assets0.4261%4,817
Return on assets (ROA)0.4353%4,794
Pretax return on assets0.5617%4,701
Return on Equity (ROE)4.4087%4,606
Retained earnings to average equity (ytd only)4.4087%3,111
Net charge-offs to loans0.1780%1,083
Credit loss provision to net charge-offs133.3333%1,985
Earnings coverage of net charge-offs (x)5.6609%3,170
Efficiency ratio78.6440%1,070
Assets per employee ($millions)6.3874%1,271
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.0935%3,146
Loan loss allowance to noncurrent loans82.4692%3,697
Noncurrent assets plus other real estate owned to assets1.0734%1,260
Noncurrent loans to loans1.3260%1,184
Net loans and leases to total assets68.9340%2,740
Net loans and leases to deposits79.7090%2,987
Net loans and leases to core deposits90.1234%2,566
Total domestic deposits to total assets86.4821%2,025
Equity capital to assets9.8957%3,766
Core capital (leverage) ratio9.5929%4,011
Tier 1 risk-based capital ratio13.9098%3,323
Total risk-based capital ratio15.0635%3,308
Memoranda:
Average total assets$410,744,2001,668
Average earning assets$392,590,4001,614
Average equity$40,556,6001,831
Average total loans$293,321,4001,622
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9505%4,080
Cost of funding earning assets0.6819%1,968
Net interest margin3.2685%4,362
Noninterest income to average assets0.5516%2,564
Noninterest expense to average assets2.9412%2,188
Loan and lease loss provision to assets0.2428%650
Net operating income to assets0.3859%4,980
Return on assets (ROA)0.3797%4,988
Pretax return on assets0.4859%4,922
Return on Equity (ROE)3.8476%4,854
Retained earnings to average equity (ytd only)3.8476%3,856
Net charge-offs to loans0.0946%1,542
Credit loss provision to net charge-offs357.2115%880
Earnings coverage of net charge-offs (x)10.8364%2,560
Efficiency ratio78.0542%1,119
Assets per employee ($millions)6.5772%1,147
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.2135%2,546
Loan loss allowance to noncurrent loans86.6214%3,691
Noncurrent assets plus other real estate owned to assets0.9958%1,466
Noncurrent loans to loans1.4010%1,186
Net loans and leases to total assets70.2127%2,613
Net loans and leases to deposits81.5199%2,872
Net loans and leases to core deposits90.4432%2,623
Total domestic deposits to total assets86.1295%2,128
Equity capital to assets9.7345%3,889
Core capital (leverage) ratio9.4827%4,196
Tier 1 risk-based capital ratio14.0555%3,346
Total risk-based capital ratio15.3063%3,250
Memoranda:
Average total assets$408,038,5001,687
Average earning assets$390,257,5001,628
Average equity$40,266,5001,841
Average total loans$293,197,7501,629
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8466%4,225
Cost of funding earning assets0.6474%1,937
Net interest margin3.1991%4,507
Noninterest income to average assets0.4286%3,303
Noninterest expense to average assets2.9384%2,237
Loan and lease loss provision to assets0.0158%3,568
Net operating income to assets0.4109%4,937
Return on assets (ROA)0.4109%4,941
Pretax return on assets0.5346%4,844
Return on Equity (ROE)4.1448%4,779
Retained earnings to average equity (ytd only)4.1448%3,540
Net charge-offs to loans0.1271%1,163
Credit loss provision to net charge-offs17.2043%2,702
Earnings coverage of net charge-offs (x)6.0054%2,667
Efficiency ratio82.1353%822
Assets per employee ($millions)5.9324%1,514
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.9899%3,912
Loan loss allowance to noncurrent loans65.1242%4,098
Noncurrent assets plus other real estate owned to assets1.1145%1,325
Noncurrent loans to loans1.5201%1,101
Net loans and leases to total assets72.5959%2,182
Net loans and leases to deposits84.7603%2,450
Net loans and leases to core deposits92.7249%2,334
Total domestic deposits to total assets85.6485%2,435
Equity capital to assets10.1409%3,494
Core capital (leverage) ratio9.4320%4,198
Tier 1 risk-based capital ratio14.1395%3,293
Total risk-based capital ratio15.2285%3,296
Memoranda:
Average total assets$405,931,0001,698
Average earning assets$388,292,6701,644
Average equity$40,243,3301,850
Average total loans$292,761,0001,636
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6413%4,617
Cost of funding earning assets0.5986%2,063
Net interest margin3.0428%4,813
Noninterest income to average assets0.4037%3,435
Noninterest expense to average assets2.8876%2,417
Loan and lease loss provision to assets-0.2077%5,553
Net operating income to assets0.4847%4,732
Return on assets (ROA)0.4847%4,737
Pretax return on assets0.6339%4,603
Return on Equity (ROE)4.9439%4,516
Retained earnings to average equity (ytd only)4.9439%3,208
Net charge-offs to loans0.0014%2,686
Credit loss provision to net charge-offs-21,300.0000%4,542
Earnings coverage of net charge-offs (x)437.0000%150
Efficiency ratio84.7557%740
Assets per employee ($millions)6.3859%1,262
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.9611%4,168
Loan loss allowance to noncurrent loans53.8095%4,377
Noncurrent assets plus other real estate owned to assets1.2648%1,175
Noncurrent loans to loans1.7861%944
Net loans and leases to total assets70.1349%2,464
Net loans and leases to deposits80.9450%2,706
Net loans and leases to core deposits87.3627%2,689
Total domestic deposits to total assets86.6451%2,260
Equity capital to assets9.6713%3,917
Core capital (leverage) ratio9.5478%4,014
Tier 1 risk-based capital ratio13.5942%3,603
Total risk-based capital ratio14.6315%3,646
Memoranda:
Average total assets$410,161,5001,691
Average earning assets$392,274,5001,639
Average equity$40,211,5001,859
Average total loans$293,425,5001,643
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8721%3,813
Cost of funding earning assets0.5852%1,711
Net interest margin3.2869%4,195
Noninterest income to average assets0.4485%3,319
Noninterest expense to average assets3.2179%1,571
Loan and lease loss provision to assets0.6017%211
Net operating income to assets-0.2551%5,462
Return on assets (ROA)-0.2551%5,460
Pretax return on assets-0.2416%5,508
Return on Equity (ROE)-2.6605%5,478
Retained earnings to average equity (ytd only)-3.0673%5,348
Net charge-offs to loans0.6299%355
Credit loss provision to net charge-offs126.3790%2,083
Earnings coverage of net charge-offs (x)0.7564%3,968
Efficiency ratio87.3047%571
Assets per employee ($millions)6.1400%1,423
Cash dividends to net income (ytd only)*-15.2905%5,624
Condition Ratios (%)
Loss allowance to loans1.0375%3,698
Loan loss allowance to noncurrent loans72.3227%4,048
Noncurrent assets plus other real estate owned to assets1.0369%1,472
Noncurrent loans to loans1.4346%1,195
Net loans and leases to total assets71.5302%2,291
Net loans and leases to deposits83.8678%2,504
Net loans and leases to core deposits90.5821%2,504
Total domestic deposits to total assets85.2892%2,729
Equity capital to assets9.9395%3,772
Core capital (leverage) ratio9.4447%4,110
Tier 1 risk-based capital ratio13.3846%3,698
Total risk-based capital ratio14.4992%3,689
Memoranda:
Average total assets$384,594,2001,774
Average earning assets$366,185,6001,731
Average equity$36,872,4001,989
Average total loans$290,699,6001,610
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8433%3,856
Cost of funding earning assets0.5676%1,758
Net interest margin3.2758%4,239
Noninterest income to average assets0.4431%3,381
Noninterest expense to average assets3.2553%1,446
Loan and lease loss provision to assets0.7291%154
Net operating income to assets-0.2516%5,594
Return on assets (ROA)-0.2516%5,595
Pretax return on assets-0.4241%5,615
Return on Equity (ROE)-2.6503%5,599
Retained earnings to average equity (ytd only)-3.2055%5,498
Net charge-offs to loans0.1843%1,144
Credit loss provision to net charge-offs517.4564%613
Earnings coverage of net charge-offs (x)2.1646%3,500
Efficiency ratio88.7189%464
Assets per employee ($millions)5.5188%1,905
Cash dividends to net income (ytd only)*-20.9503%5,716
Condition Ratios (%)
Loss allowance to loans1.3967%1,907
Loan loss allowance to noncurrent loans61.3755%4,311
Noncurrent assets plus other real estate owned to assets1.7589%803
Noncurrent loans to loans2.2757%700
Net loans and leases to total assets76.2094%1,553
Net loans and leases to deposits90.1474%1,789
Net loans and leases to core deposits97.3699%1,941
Total domestic deposits to total assets84.5387%2,902
Equity capital to assets9.1559%4,764
Core capital (leverage) ratio8.4260%5,296
Tier 1 risk-based capital ratio11.4112%5,006
Total risk-based capital ratio12.6644%4,893
Memoranda:
Average total assets$379,432,7501,805
Average earning assets$361,068,2501,757
Average equity$36,020,7502,031
Average total loans$290,147,5001,617
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8379%3,763
Cost of funding earning assets0.5245%1,965
Net interest margin3.3134%4,066
Noninterest income to average assets0.4178%3,578
Noninterest expense to average assets3.2236%1,527
Loan and lease loss provision to assets0.8809%113
Net operating income to assets-0.3165%5,653
Return on assets (ROA)-0.3165%5,652
Pretax return on assets-0.5356%5,675
Return on Equity (ROE)-3.2937%5,657
Retained earnings to average equity (ytd only)-4.1254%5,496
Net charge-offs to loans-0.2357%5,604
Credit loss provision to net charge-offs-490.5045%4,664
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.5317%572
Assets per employee ($millions)5.5103%1,864
Cash dividends to net income (ytd only)*-25.2525%5,770
Condition Ratios (%)
Loss allowance to loans1.5561%1,374
Loan loss allowance to noncurrent loans55.3929%4,459
Noncurrent assets plus other real estate owned to assets2.1635%554
Noncurrent loans to loans2.8092%493
Net loans and leases to total assets74.4628%1,785
Net loans and leases to deposits90.2469%1,694
Net loans and leases to core deposits97.2822%1,869
Total domestic deposits to total assets82.5101%3,724
Equity capital to assets9.3252%4,594
Core capital (leverage) ratio8.7008%5,045
Tier 1 risk-based capital ratio11.7732%4,782
Total risk-based capital ratio13.0282%4,667
Memoranda:
Average total assets$375,298,3301,825
Average earning assets$356,909,3301,778
Average equity$36,069,0002,023
Average total loans$285,914,6701,633
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6977%4,125
Cost of funding earning assets0.4754%2,302
Net interest margin3.2223%4,274
Noninterest income to average assets0.4194%3,522
Noninterest expense to average assets3.1074%1,848
Loan and lease loss provision to assets1.6061%50
Net operating income to assets-0.7285%5,767
Return on assets (ROA)-0.7285%5,765
Pretax return on assets-1.2246%5,785
Return on Equity (ROE)-7.4642%5,764
Retained earnings to average equity (ytd only)-9.1254%5,559
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.9665%805
Assets per employee ($millions)7.5558%736
Cash dividends to net income (ytd only)*-22.2552%5,838
Condition Ratios (%)
Loss allowance to loans1.4084%2,041
Loan loss allowance to noncurrent loans47.3376%4,707
Noncurrent assets plus other real estate owned to assets2.2618%543
Noncurrent loans to loans2.9752%465
Net loans and leases to total assets74.9514%1,585
Net loans and leases to deposits93.1723%1,202
Net loans and leases to core deposits100.0449%1,502
Total domestic deposits to total assets80.4439%4,538
Equity capital to assets9.4624%4,319
Core capital (leverage) ratio8.9587%4,786
Tier 1 risk-based capital ratio11.8674%4,798
Total risk-based capital ratio13.1203%4,705
Memoranda:
Average total assets$370,087,5001,859
Average earning assets$352,548,0001,814
Average equity$36,119,0002,023
Average total loans$282,993,0001,655
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6957%4,221
Cost of funding earning assets0.4690%2,366
Net interest margin3.2267%4,362
Noninterest income to average assets0.5764%2,778
Noninterest expense to average assets3.0310%2,255
Loan and lease loss provision to assets0.4205%355
Net operating income to assets0.1300%5,526
Return on assets (ROA)0.1300%5,556
Pretax return on assets0.1965%5,500
Return on Equity (ROE)1.2763%5,525
Retained earnings to average equity (ytd only)1.2763%4,775
Net charge-offs to loans0.6352%354
Credit loss provision to net charge-offs90.1242%2,794
Earnings coverage of net charge-offs (x)1.3223%3,998
Efficiency ratio79.7670%1,446
Assets per employee ($millions)8.4276%513
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.9168%4,714
Loan loss allowance to noncurrent loans30.6769%5,068
Noncurrent assets plus other real estate owned to assets2.2992%545
Noncurrent loans to loans2.9887%459
Net loans and leases to total assets76.2245%1,477
Net loans and leases to deposits92.8541%1,319
Net loans and leases to core deposits99.5710%1,653
Total domestic deposits to total assets82.0906%4,051
Equity capital to assets10.0694%3,652
Core capital (leverage) ratio9.2267%4,443
Tier 1 risk-based capital ratio12.6122%4,317
Total risk-based capital ratio13.6006%4,363
Memoranda:
Average total assets$362,417,6001,842
Average earning assets$344,993,0001,802
Average equity$36,902,4001,981
Average total loans$266,230,8001,696
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7184%4,190
Cost of funding earning assets0.4671%2,398
Net interest margin3.2513%4,344
Noninterest income to average assets0.6092%2,612
Noninterest expense to average assets3.0608%2,123
Loan and lease loss provision to assets0.3918%379
Net operating income to assets0.1644%5,527
Return on assets (ROA)0.1644%5,582
Pretax return on assets0.2498%5,518
Return on Equity (ROE)1.6105%5,540
Retained earnings to average equity (ytd only)1.6105%4,865
Net charge-offs to loans-0.0005%4,417
Credit loss provision to net charge-offs-106,500.0000%5,486
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.3720%1,514
Assets per employee ($millions)8.1511%551
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.3733%2,328
Loan loss allowance to noncurrent loans59.7137%4,518
Noncurrent assets plus other real estate owned to assets1.7331%977
Noncurrent loans to loans2.2999%801
Net loans and leases to total assets74.3207%1,811
Net loans and leases to deposits90.8091%1,657
Net loans and leases to core deposits97.1491%1,895
Total domestic deposits to total assets81.8427%3,981
Equity capital to assets10.2134%3,899
Core capital (leverage) ratio9.1452%4,665
Tier 1 risk-based capital ratio12.9982%4,164
Total risk-based capital ratio14.2528%4,077
Memoranda:
Average total assets$362,425,7501,850
Average earning assets$344,799,5001,806
Average equity$37,005,5001,988
Average total loans$263,093,0001,719
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5746%4,667
Cost of funding earning assets0.4554%2,517
Net interest margin3.1192%4,779
Noninterest income to average assets0.5967%2,636
Noninterest expense to average assets3.0169%2,287
Loan and lease loss provision to assets0.3491%471
Net operating income to assets0.1335%5,629
Return on assets (ROA)0.1335%5,674
Pretax return on assets0.1984%5,622
Return on Equity (ROE)1.3079%5,641
Retained earnings to average equity (ytd only)1.3079%4,864
Net charge-offs to loans-0.0008%4,312
Credit loss provision to net charge-offs-63,000.0000%5,413
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio81.1286%1,369
Assets per employee ($millions)8.2214%524
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.2351%3,158
Loan loss allowance to noncurrent loans56.9346%4,651
Noncurrent assets plus other real estate owned to assets1.5942%1,165
Noncurrent loans to loans2.1694%878
Net loans and leases to total assets72.5802%2,073
Net loans and leases to deposits92.7850%1,418
Net loans and leases to core deposits103.9651%1,322
Total domestic deposits to total assets78.2240%4,955
Equity capital to assets10.1008%4,087
Core capital (leverage) ratio9.2553%4,513
Tier 1 risk-based capital ratio12.6873%4,394
Total risk-based capital ratio13.9393%4,301
Memoranda:
Average total assets$360,967,3301,856
Average earning assets$343,420,3301,812
Average equity$36,853,0002,002
Average total loans$258,655,6701,748
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5774%4,682
Cost of funding earning assets0.4416%2,674
Net interest margin3.1359%4,762
Noninterest income to average assets0.5330%2,916
Noninterest expense to average assets2.9725%2,471
Loan and lease loss provision to assets0.0112%3,543
Net operating income to assets0.3321%5,207
Return on assets (ROA)0.3321%5,291
Pretax return on assets0.5296%5,009
Return on Equity (ROE)3.2354%5,150
Retained earnings to average equity (ytd only)3.2354%3,879
Net charge-offs to loans0.0000%3,094
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.8049%1,507
Assets per employee ($millions)7.5472%686
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.0671%4,247
Loan loss allowance to noncurrent loans58.0501%4,632
Noncurrent assets plus other real estate owned to assets1.3272%1,610
Noncurrent loans to loans1.8383%1,206
Net loans and leases to total assets71.4310%2,124
Net loans and leases to deposits84.6109%2,233
Net loans and leases to core deposits93.6374%2,033
Total domestic deposits to total assets84.4229%3,344
Equity capital to assets10.4739%3,531
Core capital (leverage) ratio9.4238%4,322
Tier 1 risk-based capital ratio13.4488%4,009
Total risk-based capital ratio14.5885%3,999
Memoranda:
Average total assets$356,470,0001,880
Average earning assets$338,791,5001,835
Average equity$36,595,0002,008
Average total loans$252,045,0001,784
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1218%2,840
Cost of funding earning assets0.4230%2,911
Net interest margin3.6988%2,751
Noninterest income to average assets0.5084%3,265
Noninterest expense to average assets3.0283%2,449
Loan and lease loss provision to assets0.1360%1,745
Net operating income to assets0.5291%4,586
Return on assets (ROA)0.5291%4,663
Pretax return on assets0.8429%4,052
Return on Equity (ROE)5.1541%4,430
Retained earnings to average equity (ytd only)5.1541%2,313
Net charge-offs to loans0.0380%3,466
Credit loss provision to net charge-offs503.2258%637
Earnings coverage of net charge-offs (x)36.2258%1,273
Efficiency ratio71.8387%2,932
Assets per employee ($millions)7.9604%565
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.1001%4,051
Loan loss allowance to noncurrent loans135.9920%3,003
Noncurrent assets plus other real estate owned to assets0.5600%3,414
Noncurrent loans to loans0.8089%2,762
Net loans and leases to total assets68.4632%2,633
Net loans and leases to deposits81.8755%2,601
Net loans and leases to core deposits94.6776%1,976
Total domestic deposits to total assets83.6187%3,627
Equity capital to assets10.0600%3,891
Core capital (leverage) ratio9.2594%4,532
Tier 1 risk-based capital ratio13.8733%3,785
Total risk-based capital ratio15.0506%3,753
Memoranda:
Average total assets$344,184,2001,899
Average earning assets$325,564,2001,863
Average equity$35,331,0002,017
Average total loans$244,786,2001,761
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9776%3,422
Cost of funding earning assets0.4178%3,030
Net interest margin3.5597%3,305
Noninterest income to average assets0.5135%3,271
Noninterest expense to average assets2.9948%2,544
Loan and lease loss provision to assets0.0990%2,200
Net operating income to assets0.4912%4,823
Return on assets (ROA)0.4912%4,911
Pretax return on assets0.7839%4,385
Return on Equity (ROE)4.7598%4,731
Retained earnings to average equity (ytd only)4.7598%3,082
Net charge-offs to loans-0.0060%4,858
Credit loss provision to net charge-offs-2,300.0000%5,614
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2943%2,670
Assets per employee ($millions)7.3894%723
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.0496%4,469
Loan loss allowance to noncurrent loans88.7080%3,941
Noncurrent assets plus other real estate owned to assets0.8491%2,758
Noncurrent loans to loans1.1832%2,164
Net loans and leases to total assets71.0102%2,232
Net loans and leases to deposits83.3375%2,478
Net loans and leases to core deposits96.1062%1,866
Total domestic deposits to total assets85.2079%2,927
Equity capital to assets10.3346%3,774
Core capital (leverage) ratio9.2752%4,619
Tier 1 risk-based capital ratio13.2980%4,253
Total risk-based capital ratio14.4038%4,265
Memoranda:
Average total assets$340,675,2501,932
Average earning assets$321,963,2501,893
Average equity$35,154,5002,039
Average total loans$243,988,5001,775
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9869%3,347
Cost of funding earning assets0.4176%3,061
Net interest margin3.5693%3,215
Noninterest income to average assets0.5017%3,361
Noninterest expense to average assets3.0124%2,515
Loan and lease loss provision to assets0.0343%3,428
Net operating income to assets0.5153%4,699
Return on assets (ROA)0.5153%4,807
Pretax return on assets0.8237%4,235
Return on Equity (ROE)4.9959%4,618
Retained earnings to average equity (ytd only)4.9959%2,868
Net charge-offs to loans0.0033%3,788
Credit loss provision to net charge-offs1,450.0000%256
Earnings coverage of net charge-offs (x)363.0000%189
Efficiency ratio73.8015%2,702
Assets per employee ($millions)7.5100%670
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.9814%4,957
Loan loss allowance to noncurrent loans69.7163%4,487
Noncurrent assets plus other real estate owned to assets1.0221%2,462
Noncurrent loans to loans1.4077%1,912
Net loans and leases to total assets71.8927%2,001
Net loans and leases to deposits85.0367%2,183
Net loans and leases to core deposits98.5795%1,606
Total domestic deposits to total assets84.5432%3,323
Equity capital to assets10.4096%3,552
Core capital (leverage) ratio9.1562%4,744
Tier 1 risk-based capital ratio13.2024%4,393
Total risk-based capital ratio14.2285%4,446
Memoranda:
Average total assets$338,466,6701,961
Average earning assets$319,446,6701,924
Average equity$34,908,6702,061
Average total loans$242,239,6701,796
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0617%2,988
Cost of funding earning assets0.4135%3,151
Net interest margin3.6482%2,821
Noninterest income to average assets0.5137%3,201
Noninterest expense to average assets2.9440%2,762
Loan and lease loss provision to assets-0.0342%6,136
Net operating income to assets0.6495%4,049
Return on assets (ROA)0.6495%4,170
Pretax return on assets1.0522%3,291
Return on Equity (ROE)6.3267%3,864
Retained earnings to average equity (ytd only)6.3267%2,324
Net charge-offs to loans0.0066%3,100
Credit loss provision to net charge-offs-725.0000%4,904
Earnings coverage of net charge-offs (x)215.5000%265
Efficiency ratio70.1937%3,456
Assets per employee ($millions)7.4863%676
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.9546%5,231
Loan loss allowance to noncurrent loans66.0415%4,553
Noncurrent assets plus other real estate owned to assets1.0219%2,577
Noncurrent loans to loans1.4454%1,976
Net loans and leases to total assets70.0224%2,140
Net loans and leases to deposits82.2912%2,302
Net loans and leases to core deposits95.0129%1,693
Total domestic deposits to total assets85.0911%3,359
Equity capital to assets10.2427%3,838
Core capital (leverage) ratio9.3643%4,480
Tier 1 risk-based capital ratio13.2401%4,471
Total risk-based capital ratio14.2468%4,524
Memoranda:
Average total assets$338,726,0001,967
Average earning assets$320,161,5001,923
Average equity$34,773,5002,081
Average total loans$240,675,5001,807
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8283%4,399
Cost of funding earning assets0.3989%3,699
Net interest margin3.4294%4,071
Noninterest income to average assets0.5534%3,158
Noninterest expense to average assets2.8475%3,319
Loan and lease loss provision to assets0.1839%1,398
Net operating income to assets0.4477%5,036
Return on assets (ROA)0.5081%4,865
Pretax return on assets0.8208%4,190
Return on Equity (ROE)4.6203%4,833
Retained earnings to average equity (ytd only)4.6203%2,890
Net charge-offs to loans0.0129%4,636
Credit loss provision to net charge-offs2,027.5862%152
Earnings coverage of net charge-offs (x)100.3793%522
Efficiency ratio70.8521%3,401
Assets per employee ($millions)7.5700%636
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.9832%5,145
Loan loss allowance to noncurrent loans41.8201%5,326
Noncurrent assets plus other real estate owned to assets1.6792%1,601
Noncurrent loans to loans2.3511%1,105
Net loans and leases to total assets70.7188%2,123
Net loans and leases to deposits94.2491%1,055
Net loans and leases to core deposits95.0734%1,806
Total domestic deposits to total assets75.0340%5,859
Equity capital to assets10.2900%3,739
Core capital (leverage) ratio9.2714%4,569
Tier 1 risk-based capital ratio12.3971%5,089
Total risk-based capital ratio13.3955%5,172
Memoranda:
Average total assets$319,819,4002,034
Average earning assets$298,824,6002,003
Average equity$35,171,2001,988
Average total loans$223,991,2001,873
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8579%4,338
Cost of funding earning assets0.3991%3,793
Net interest margin3.4588%3,982
Noninterest income to average assets0.5729%3,049
Noninterest expense to average assets2.9657%2,919
Loan and lease loss provision to assets0.2241%1,015
Net operating income to assets0.3740%5,349
Return on assets (ROA)0.4554%5,137
Pretax return on assets0.7343%4,576
Return on Equity (ROE)4.0720%5,142
Retained earnings to average equity (ytd only)4.0720%3,747
Net charge-offs to loans0.0109%4,355
Credit loss provision to net charge-offs2,955.5556%137
Earnings coverage of net charge-offs (x)109.6083%544
Efficiency ratio73.1499%2,967
Assets per employee ($millions)7.0179%800
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.0006%5,218
Loan loss allowance to noncurrent loans45.5744%5,288
Noncurrent assets plus other real estate owned to assets1.5414%1,994
Noncurrent loans to loans2.1956%1,388
Net loans and leases to total assets69.4994%2,271
Net loans and leases to deposits89.0849%1,543
Net loans and leases to core deposits89.7525%2,253
Total domestic deposits to total assets78.0147%5,530
Equity capital to assets10.9657%2,990
Core capital (leverage) ratio10.1196%3,506
Tier 1 risk-based capital ratio13.6777%4,427
Total risk-based capital ratio14.6907%4,524
Memoranda:
Average total assets$316,504,0002,071
Average earning assets$295,010,0002,042
Average equity$35,395,5001,984
Average total loans$220,516,5001,910
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8394%4,376
Cost of funding earning assets0.4009%3,858
Net interest margin3.4385%4,021
Noninterest income to average assets0.5595%3,051
Noninterest expense to average assets3.0885%2,544
Loan and lease loss provision to assets0.2121%1,111
Net operating income to assets0.2767%5,644
Return on assets (ROA)0.4006%5,297
Pretax return on assets0.6460%4,802
Return on Equity (ROE)3.5574%5,319
Retained earnings to average equity (ytd only)3.5574%3,929
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.1346%2,434
Assets per employee ($millions)6.5649%980
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.9583%5,526
Loan loss allowance to noncurrent loans48.4272%5,227
Noncurrent assets plus other real estate owned to assets1.4023%2,334
Noncurrent loans to loans1.9789%1,707
Net loans and leases to total assets70.1843%2,047
Net loans and leases to deposits88.0436%1,593
Net loans and leases to core deposits88.7185%2,238
Total domestic deposits to total assets79.7154%5,303
Equity capital to assets11.3320%2,576
Core capital (leverage) ratio10.3027%3,212
Tier 1 risk-based capital ratio13.0262%4,892
Total risk-based capital ratio13.9335%5,040
Memoranda:
Average total assets$312,059,0002,098
Average earning assets$289,835,6702,077
Average equity$35,137,6701,988
Average total loans$216,837,6701,925
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7267%4,753
Cost of funding earning assets0.3986%3,986
Net interest margin3.3282%4,435
Noninterest income to average assets0.5217%3,256
Noninterest expense to average assets3.2151%2,181
Loan and lease loss provision to assets0.1932%1,224
Net operating income to assets0.1314%5,966
Return on assets (ROA)0.1314%6,000
Pretax return on assets0.2113%5,903
Return on Equity (ROE)1.1707%5,995
Retained earnings to average equity (ytd only)1.1707%5,133
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.2028%1,764
Assets per employee ($millions)6.2850%1,125
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.9162%5,821
Loan loss allowance to noncurrent loans73.2156%4,395
Noncurrent assets plus other real estate owned to assets0.8826%3,529
Noncurrent loans to loans1.2513%2,948
Net loans and leases to total assets69.8850%1,905
Net loans and leases to deposits84.8958%1,734
Net loans and leases to core deposits85.5393%2,363
Total domestic deposits to total assets82.3185%4,844
Equity capital to assets11.3853%2,347
Core capital (leverage) ratio10.1850%3,310
Tier 1 risk-based capital ratio13.2734%4,840
Total risk-based capital ratio14.1401%5,009
Memoranda:
Average total assets$310,530,5002,108
Average earning assets$289,047,0002,085
Average equity$34,852,0001,991
Average total loans$213,605,5001,953
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9141%4,407
Cost of funding earning assets0.4545%4,068
Net interest margin3.4596%4,059
Noninterest income to average assets0.5589%3,343
Noninterest expense to average assets3.1591%2,549
Loan and lease loss provision to assets0.2961%1,145
Net operating income to assets0.1825%5,872
Return on assets (ROA)0.1825%5,935
Pretax return on assets0.2951%5,745
Return on Equity (ROE)1.6119%5,954
Retained earnings to average equity (ytd only)1.6119%5,067
Net charge-offs to loans0.0118%5,218
Credit loss provision to net charge-offs3,825.0000%54
Earnings coverage of net charge-offs (x)76.3750%569
Efficiency ratio78.4830%2,388
Assets per employee ($millions)6.3897%1,041
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.8629%6,029
Loan loss allowance to noncurrent loans65.0395%4,664
Noncurrent assets plus other real estate owned to assets0.8898%3,666
Noncurrent loans to loans1.3267%2,916
Net loans and leases to total assets66.4932%2,614
Net loans and leases to deposits80.0781%2,447
Net loans and leases to core deposits80.6689%3,048
Total domestic deposits to total assets83.0355%4,535
Equity capital to assets11.0641%2,557
Core capital (leverage) ratio9.7652%3,888
Tier 1 risk-based capital ratio13.5373%4,626
Total risk-based capital ratio14.3620%4,848
Memoranda:
Average total assets$310,060,0002,080
Average earning assets$286,014,4002,068
Average equity$35,113,0001,963
Average total loans$202,729,8001,983
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0191%4,058
Cost of funding earning assets0.4542%4,233
Net interest margin3.5650%3,599
Noninterest income to average assets0.5591%3,397
Noninterest expense to average assets3.2653%2,161
Loan and lease loss provision to assets0.2479%1,443
Net operating income to assets0.2009%5,911
Return on assets (ROA)0.2009%5,991
Pretax return on assets0.3246%5,810
Return on Equity (ROE)1.7636%6,010
Retained earnings to average equity (ytd only)1.7636%5,256
Net charge-offs to loans0.0013%5,197
Credit loss provision to net charge-offs28,750.0000%5
Earnings coverage of net charge-offs (x)663.1536%82
Efficiency ratio79.4227%2,199
Assets per employee ($millions)6.0490%1,208
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.7336%6,396
Loan loss allowance to noncurrent loans51.4128%5,169
Noncurrent assets plus other real estate owned to assets1.0243%3,595
Noncurrent loans to loans1.4268%3,025
Net loans and leases to total assets64.1868%2,973
Net loans and leases to deposits77.5193%2,732
Net loans and leases to core deposits78.0890%3,353
Total domestic deposits to total assets82.8011%4,652
Equity capital to assets11.0628%2,707
Core capital (leverage) ratio9.8551%3,883
Tier 1 risk-based capital ratio13.6120%4,681
Total risk-based capital ratio14.3030%5,042
Memoranda:
Average total assets$309,301,2502,092
Average earning assets$284,465,7502,093
Average equity$35,231,0001,972
Average total loans$200,912,5002,000
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0830%3,804
Cost of funding earning assets0.4619%4,290
Net interest margin3.6211%3,278
Noninterest income to average assets0.5827%3,303
Noninterest expense to average assets3.3776%1,875
Loan and lease loss provision to assets0.0884%3,308
Net operating income to assets0.2699%5,717
Return on assets (ROA)0.2699%5,854
Pretax return on assets0.4357%5,560
Return on Equity (ROE)2.3463%5,848
Retained earnings to average equity (ytd only)2.3463%4,798
Net charge-offs to loans-0.0020%5,530
Credit loss provision to net charge-offs-6,800.0000%6,251
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.8833%2,039
Assets per employee ($millions)5.4309%1,656
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.5393%6,673
Loan loss allowance to noncurrent loans25.4048%6,171
Noncurrent assets plus other real estate owned to assets1.4862%2,875
Noncurrent loans to loans2.1227%2,256
Net loans and leases to total assets64.7066%2,806
Net loans and leases to deposits78.3160%2,529
Net loans and leases to core deposits78.7539%3,197
Total domestic deposits to total assets82.6224%4,848
Equity capital to assets11.5146%2,275
Core capital (leverage) ratio10.0155%3,485
Tier 1 risk-based capital ratio13.8023%4,563
Total risk-based capital ratio14.3076%5,042
Memoranda:
Average total assets$307,552,0002,103
Average earning assets$281,903,3302,115
Average equity$35,375,3301,965
Average total loans$200,086,3302,012
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9068%4,447
Cost of funding earning assets0.4646%4,433
Net interest margin3.4422%3,952
Noninterest income to average assets0.5290%3,579
Noninterest expense to average assets3.3939%1,849
Loan and lease loss provision to assets0.1423%2,463
Net operating income to assets0.0815%6,181
Return on assets (ROA)0.0815%6,270
Pretax return on assets0.1358%6,200
Return on Equity (ROE)0.7088%6,277
Retained earnings to average equity (ytd only)0.7088%5,542
Net charge-offs to loans-0.0040%5,224
Credit loss provision to net charge-offs-5,500.0000%5,890
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.1923%1,488
Assets per employee ($millions)5.4381%1,722
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.5202%6,773
Loan loss allowance to noncurrent loans14.9407%6,441
Noncurrent assets plus other real estate owned to assets2.4139%1,926
Noncurrent loans to loans3.4821%1,381
Net loans and leases to total assets65.6786%2,430
Net loans and leases to deposits79.0637%2,204
Net loans and leases to core deposits79.6620%2,850
Total domestic deposits to total assets83.0705%4,834
Equity capital to assets11.6874%2,264
Core capital (leverage) ratio9.8387%3,613
Tier 1 risk-based capital ratio13.5063%4,868
Total risk-based capital ratio13.9980%5,351
Memoranda:
Average total assets$309,264,0002,128
Average earning assets$282,381,0002,136
Average equity$35,553,5001,983
Average total loans$201,200,5002,021
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6441%2,831
Cost of funding earning assets0.5593%4,734
Net interest margin4.0848%2,061
Noninterest income to average assets0.5319%3,698
Noninterest expense to average assets3.2568%2,458
Loan and lease loss provision to assets0.1401%3,859
Net operating income to assets0.5204%4,598
Return on assets (ROA)0.5204%4,869
Pretax return on assets0.8093%4,260
Return on Equity (ROE)4.4661%4,951
Retained earnings to average equity (ytd only)4.4661%3,092
Net charge-offs to loans-0.0626%6,742
Credit loss provision to net charge-offs-333.8710%6,465
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4366%3,528
Assets per employee ($millions)5.5087%1,680
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.4639%6,860
Loan loss allowance to noncurrent loans12.6902%6,524
Noncurrent assets plus other real estate owned to assets2.4800%1,970
Noncurrent loans to loans3.6555%1,341
Net loans and leases to total assets63.8252%2,928
Net loans and leases to deposits80.2226%2,252
Net loans and leases to core deposits80.7546%2,909
Total domestic deposits to total assets79.5602%5,769
Equity capital to assets11.3107%2,621
Core capital (leverage) ratio9.7208%3,774
Tier 1 risk-based capital ratio13.1900%4,971
Total risk-based capital ratio13.6231%5,511
Memoranda:
Average total assets$295,564,2002,168
Average earning assets$265,864,6002,189
Average equity$34,437,4002,012
Average total loans$198,151,4002,019
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7789%2,464
Cost of funding earning assets0.5743%4,875
Net interest margin4.2046%1,724
Noninterest income to average assets0.3886%4,725
Noninterest expense to average assets3.2329%2,475
Loan and lease loss provision to assets0.0807%4,626
Net operating income to assets0.5320%4,698
Return on assets (ROA)0.5320%4,971
Pretax return on assets0.8560%4,274
Return on Equity (ROE)4.5304%5,032
Retained earnings to average equity (ytd only)4.5304%3,710
Net charge-offs to loans-0.0824%6,814
Credit loss provision to net charge-offs-144.2623%6,285
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.3595%3,438
Assets per employee ($millions)4.6169%2,725
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.3490%7,041
Loan loss allowance to noncurrent loans13.1138%6,622
Noncurrent assets plus other real estate owned to assets1.9800%2,676
Noncurrent loans to loans2.6614%2,129
Net loans and leases to total assets66.3151%2,591
Net loans and leases to deposits82.3839%2,066
Net loans and leases to core deposits83.0374%2,817
Total domestic deposits to total assets80.4952%5,515
Equity capital to assets11.7029%2,532
Core capital (leverage) ratio9.7233%3,914
Tier 1 risk-based capital ratio13.3967%4,951
Total risk-based capital ratio13.7320%5,622
Memoranda:
Average total assets$290,956,5002,223
Average earning assets$261,642,7502,242
Average equity$34,168,0002,043
Average total loans$197,353,7502,051
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2893%4,614
Cost of funding earning assets0.5793%5,080
Net interest margin3.7100%3,770
Noninterest income to average assets0.6176%3,147
Noninterest expense to average assets3.6213%1,537
Loan and lease loss provision to assets-0.0153%7,035
Net operating income to assets0.1980%5,922
Return on assets (ROA)0.1980%6,106
Pretax return on assets0.3439%5,845
Return on Equity (ROE)1.6839%6,140
Retained earnings to average equity (ytd only)1.6839%5,356
Net charge-offs to loans-0.0834%6,818
Credit loss provision to net charge-offs26.8293%4,488
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.0158%1,533
Assets per employee ($millions)4.5160%2,876
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.2412%7,136
Loan loss allowance to noncurrent loans13.6724%6,665
Noncurrent assets plus other real estate owned to assets1.3514%3,733
Noncurrent loans to loans1.7639%3,256
Net loans and leases to total assets64.5325%2,926
Net loans and leases to deposits79.8951%2,396
Net loans and leases to core deposits80.5296%3,141
Total domestic deposits to total assets80.7715%5,540
Equity capital to assets11.4345%2,654
Core capital (leverage) ratio9.8226%3,681
Tier 1 risk-based capital ratio13.2277%5,017
Total risk-based capital ratio13.4578%5,774
Memoranda:
Average total assets$287,910,0002,252
Average earning assets$258,595,0002,272
Average equity$33,850,6702,045
Average total loans$196,569,6702,056
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1594%5,247
Cost of funding earning assets0.5913%5,204
Net interest margin3.5681%4,401
Noninterest income to average assets0.5982%3,242
Noninterest expense to average assets3.9330%1,015
Loan and lease loss provision to assets-0.0368%7,134
Net operating income to assets-0.0636%6,493
Return on assets (ROA)-0.0636%6,588
Pretax return on assets-0.0976%6,600
Return on Equity (ROE)-0.5336%6,588
Retained earnings to average equity (ytd only)-0.5336%6,084
Net charge-offs to loans-0.0806%6,714
Credit loss provision to net charge-offs65.0000%3,016
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio96.2398%706
Assets per employee ($millions)4.2252%3,531
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.2121%7,201
Loan loss allowance to noncurrent loans10.3151%6,748
Noncurrent assets plus other real estate owned to assets3.7218%1,512
Noncurrent loans to loans2.0561%3,083
Net loans and leases to total assets69.6407%1,815
Net loans and leases to deposits86.0533%1,415
Net loans and leases to core deposits86.7722%2,203
Total domestic deposits to total assets80.9274%5,625
Equity capital to assets11.9190%2,100
Core capital (leverage) ratio9.9547%3,422
Tier 1 risk-based capital ratio13.6963%4,681
Total risk-based capital ratio13.9132%5,438
Memoranda:
Average total assets$282,838,5002,295
Average earning assets$253,691,5002,335
Average equity$33,735,5002,052
Average total loans$198,451,5002,049
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8747%6,647
Cost of funding earning assets0.5236%6,443
Net interest margin3.3511%5,647
Noninterest income to average assets0.5990%3,168
Noninterest expense to average assets3.0906%3,232
Loan and lease loss provision to assets0.1548%4,690
Net operating income to assets0.2059%5,573
Return on assets (ROA)0.2059%5,706
Pretax return on assets0.3486%5,429
Return on Equity (ROE)1.7480%5,752
Retained earnings to average equity (ytd only)1.7480%4,973
Net charge-offs to loans0.0000%6,441
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.1489%2,420
Assets per employee ($millions)4.0370%3,771
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.2032%7,257
Loan loss allowance to noncurrent loans10.8666%6,808
Noncurrent assets plus other real estate owned to assets1.5542%3,617
Noncurrent loans to loans1.8697%3,387
Net loans and leases to total assets70.3971%1,949
Net loans and leases to deposits88.9155%1,275
Net loans and leases to core deposits89.6754%2,171
Total domestic deposits to total assets79.1731%5,953
Equity capital to assets11.9360%2,177
Core capital (leverage) ratio9.3365%4,275
Tier 1 risk-based capital ratio12.9495%5,106
Total risk-based capital ratio13.1608%5,873
Memoranda:
Average total assets$273,959,8002,309
Average earning assets$244,847,2002,348
Average equity$32,266,2002,066
Average total loans$203,582,8002,007
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6795%6,949
Cost of funding earning assets0.4844%6,765
Net interest margin3.1951%6,171
Noninterest income to average assets0.5636%3,419
Noninterest expense to average assets2.8976%3,940
Loan and lease loss provision to assets0.1761%4,276
Net operating income to assets0.2021%5,699
Return on assets (ROA)0.2021%5,826
Pretax return on assets0.3434%5,613
Return on Equity (ROE)1.7220%5,866
Retained earnings to average equity (ytd only)1.7220%5,282
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.0218%2,544
Assets per employee ($millions)3.9932%3,860
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.1633%7,342
Loan loss allowance to noncurrent loans10.3501%6,894
Noncurrent assets plus other real estate owned to assets1.4285%3,979
Noncurrent loans to loans1.5774%3,932
Net loans and leases to total assets74.7921%1,182
Net loans and leases to deposits94.6558%783
Net loans and leases to core deposits95.7247%1,635
Total domestic deposits to total assets79.0149%5,982
Equity capital to assets12.1833%2,115
Core capital (leverage) ratio9.4402%4,243
Tier 1 risk-based capital ratio12.5831%5,420
Total risk-based capital ratio12.7825%6,212
Memoranda:
Average total assets$271,802,0002,342
Average earning assets$242,744,0002,380
Average equity$31,900,2502,081
Average total loans$204,643,2502,021
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1879%7,287
Cost of funding earning assets0.4067%7,109
Net interest margin2.7813%6,943
Noninterest income to average assets0.5056%3,817
Noninterest expense to average assets2.4993%5,539
Loan and lease loss provision to assets0.1064%4,972
Net operating income to assets0.2277%5,637
Return on assets (ROA)0.2277%5,755
Pretax return on assets0.3873%5,430
Return on Equity (ROE)1.9653%5,798
Retained earnings to average equity (ytd only)1.9653%4,995
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8585%2,881
Assets per employee ($millions)3.9956%3,764
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.0739%7,431
Loan loss allowance to noncurrent loans4.0839%6,992
Noncurrent assets plus other real estate owned to assets1.6021%3,796
Noncurrent loans to loans1.8089%3,739
Net loans and leases to total assets74.6772%1,289
Net loans and leases to deposits93.9900%872
Net loans and leases to core deposits94.9480%1,804
Total domestic deposits to total assets79.4523%5,963
Equity capital to assets12.3097%1,897
Core capital (leverage) ratio9.4101%4,092
Tier 1 risk-based capital ratio12.6370%5,231
Total risk-based capital ratio12.7428%6,161
Memoranda:
Average total assets$270,558,3302,359
Average earning assets$241,977,0002,408
Average equity$31,344,0002,108
Average total loans$204,053,0002,045
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets1.5806%7,527
Cost of funding earning assets0.2064%7,475
Net interest margin1.3741%7,511
Noninterest income to average assets0.2593%5,817
Noninterest expense to average assets1.2741%7,470
Loan and lease loss provision to assets0.0415%5,467
Net operating income to assets0.1022%6,091
Return on assets (ROA)0.1022%6,144
Pretax return on assets0.1763%5,995
Return on Equity (ROE)0.9111%6,161
Retained earnings to average equity (ytd only)0.9111%5,466
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.9404%2,547
Assets per employee ($millions)3.9949%3,845
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.0138%7,501
Loan loss allowance to noncurrent loans1.0208%7,068
Noncurrent assets plus other real estate owned to assets1.1669%4,608
Noncurrent loans to loans1.3507%4,457
Net loans and leases to total assets74.7484%1,229
Net loans and leases to deposits92.9957%919
Net loans and leases to core deposits94.2382%1,860
Total domestic deposits to total assets80.3783%5,845
Equity capital to assets12.1927%1,798
Core capital (leverage) ratio9.1526%4,371
Tier 1 risk-based capital ratio12.3695%5,376
Total risk-based capital ratio12.4166%6,349
Memoranda:
Average total assets$269,985,5002,390
Average earning assets$242,192,5002,425
Average equity$30,293,0002,158
Average total loans$204,554,0002,058
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4701%2,403
Cost of funding earning assets0.9877%5,752
Net interest margin4.4824%1,270
Noninterest income to average assets0.8267%2,158
Noninterest expense to average assets4.1368%975
Loan and lease loss provision to assets0.3931%3,757
Net operating income to assets0.1599%5,404
Return on assets (ROA)0.1599%5,564
Pretax return on assets0.3157%5,188
Return on Equity (ROE)1.5433%5,546
Retained earnings to average equity (ytd only)1.5433%4,765
Net charge-offs to loans1.4534%1,523
Credit loss provision to net charge-offs34.6918%6,451
Earnings coverage of net charge-offs (x)0.6255%5,484
Efficiency ratio84.0016%1,921
Assets per employee ($millions)3.8331%4,170
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.2042%5,492
Loan loss allowance to noncurrent loans72.3535%3,830
Noncurrent assets plus other real estate owned to assets1.4371%4,181
Noncurrent loans to loans1.6644%4,004
Net loans and leases to total assets75.8588%1,301
Net loans and leases to deposits92.4527%1,214
Net loans and leases to core deposits93.7934%2,283
Total domestic deposits to total assets82.0515%5,171
Equity capital to assets10.2357%3,457
Core capital (leverage) ratio9.0489%4,454
Tier 1 risk-based capital ratio12.1567%5,330
Total risk-based capital ratio13.4070%5,311
Memoranda:
Average total assets$261,989,8002,433
Average earning assets$234,895,4002,482
Average equity$27,150,0002,365
Average total loans$204,283,0002,119
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5098%2,394
Cost of funding earning assets1.0161%5,863
Net interest margin4.4937%1,267
Noninterest income to average assets0.8499%1,999
Noninterest expense to average assets4.0392%1,005
Loan and lease loss provision to assets0.4869%3,041
Net operating income to assets0.2089%5,486
Return on assets (ROA)0.2089%5,648
Pretax return on assets0.3430%5,394
Return on Equity (ROE)2.0095%5,602
Retained earnings to average equity (ytd only)2.0095%4,951
Net charge-offs to loans1.8752%1,023
Credit loss provision to net charge-offs33.1706%6,121
Earnings coverage of net charge-offs (x)0.5654%5,451
Efficiency ratio81.5563%2,121
Assets per employee ($millions)3.7908%4,293
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.2252%5,368
Loan loss allowance to noncurrent loans60.7030%4,286
Noncurrent assets plus other real estate owned to assets1.8172%3,725
Noncurrent loans to loans2.0184%3,653
Net loans and leases to total assets76.0736%1,394
Net loans and leases to deposits93.0541%1,324
Net loans and leases to core deposits94.3153%2,480
Total domestic deposits to total assets81.7520%5,096
Equity capital to assets10.3778%3,669
Core capital (leverage) ratio8.9303%4,801
Tier 1 risk-based capital ratio11.8614%5,582
Total risk-based capital ratio13.1122%5,557
Memoranda:
Average total assets$260,408,0002,483
Average earning assets$232,910,5002,533
Average equity$27,071,5002,402
Average total loans$203,848,0002,153
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5210%2,438
Cost of funding earning assets1.0490%5,919
Net interest margin4.4720%1,265
Noninterest income to average assets0.8170%2,031
Noninterest expense to average assets4.0802%945
Loan and lease loss provision to assets0.6353%2,257
Net operating income to assets0.0332%6,030
Return on assets (ROA)0.0332%6,124
Pretax return on assets0.0819%6,015
Return on Equity (ROE)0.3195%6,127
Retained earnings to average equity (ytd only)0.3195%5,632
Net charge-offs to loans2.8310%577
Credit loss provision to net charge-offs28.5120%5,761
Earnings coverage of net charge-offs (x)0.3219%5,406
Efficiency ratio83.5669%1,972
Assets per employee ($millions)3.6439%4,603
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.1522%5,677
Loan loss allowance to noncurrent loans48.2314%5,079
Noncurrent assets plus other real estate owned to assets2.2656%3,178
Noncurrent loans to loans2.3890%3,269
Net loans and leases to total assets77.1363%1,269
Net loans and leases to deposits94.3425%1,232
Net loans and leases to core deposits95.6308%2,484
Total domestic deposits to total assets81.7620%5,084
Equity capital to assets10.3236%3,622
Core capital (leverage) ratio8.8871%4,776
Tier 1 risk-based capital ratio11.3405%5,913
Total risk-based capital ratio12.5289%5,951
Memoranda:
Average total assets$258,759,0002,521
Average earning assets$230,321,6702,582
Average equity$26,916,0002,415
Average total loans$203,674,3302,182
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5555%2,343
Cost of funding earning assets1.0913%5,952
Net interest margin4.4641%1,224
Noninterest income to average assets0.7597%2,236
Noninterest expense to average assets4.2668%746
Loan and lease loss provision to assets0.6740%1,884
Net operating income to assets-0.2070%6,551
Return on assets (ROA)-0.2070%6,619
Pretax return on assets-0.2397%6,592
Return on Equity (ROE)-1.9827%6,637
Retained earnings to average equity (ytd only)-1.9827%6,211
Net charge-offs to loans1.0534%1,578
Credit loss provision to net charge-offs80.9346%3,855
Earnings coverage of net charge-offs (x)0.5215%4,570
Efficiency ratio89.1060%1,497
Assets per employee ($millions)3.6222%4,766
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.1208%1,912
Loan loss allowance to noncurrent loans49.6037%5,018
Noncurrent assets plus other real estate owned to assets4.9304%1,318
Noncurrent loans to loans4.2754%1,785
Net loans and leases to total assets77.4907%1,250
Net loans and leases to deposits94.2858%1,318
Net loans and leases to core deposits94.9339%2,712
Total domestic deposits to total assets82.1870%4,990
Equity capital to assets10.4243%3,320
Core capital (leverage) ratio8.9706%4,619
Tier 1 risk-based capital ratio11.0623%6,102
Total risk-based capital ratio12.3234%6,060
Memoranda:
Average total assets$256,959,0002,587
Average earning assets$226,875,5002,667
Average equity$26,831,5002,447
Average total loans$203,145,0002,237
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7026%3,097
Cost of funding earning assets1.5735%5,164
Net interest margin4.1291%2,319
Noninterest income to average assets1.3407%830
Noninterest expense to average assets4.3762%901
Loan and lease loss provision to assets1.0883%2,100
Net operating income to assets-0.2758%5,940
Return on assets (ROA)-0.2231%5,863
Pretax return on assets-0.3764%5,894
Return on Equity (ROE)-2.2254%5,892
Retained earnings to average equity (ytd only)-2.2254%5,569
Net charge-offs to loans0.3262%4,607
Credit loss provision to net charge-offs436.2170%719
Earnings coverage of net charge-offs (x)2.5235%3,862
Efficiency ratio83.4186%2,426
Assets per employee ($millions)3.3782%5,311
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.1807%1,682
Loan loss allowance to noncurrent loans45.4967%5,368
Noncurrent assets plus other real estate owned to assets5.1383%1,177
Noncurrent loans to loans4.7932%1,443
Net loans and leases to total assets77.2233%1,542
Net loans and leases to deposits94.6029%1,514
Net loans and leases to core deposits104.2074%3,549
Total domestic deposits to total assets81.6289%5,095
Equity capital to assets10.4596%3,228
Core capital (leverage) ratio8.4776%5,308
Tier 1 risk-based capital ratio11.0788%5,846
Total risk-based capital ratio12.3408%5,790
Memoranda:
Average total assets$273,367,8002,394
Average earning assets$242,645,0002,477
Average equity$27,411,0002,418
Average total loans$209,099,2002,210
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6989%3,341
Cost of funding earning assets1.6434%5,193
Net interest margin4.0555%2,570
Noninterest income to average assets1.3202%888
Noninterest expense to average assets4.2662%954
Loan and lease loss provision to assets0.3651%4,131
Net operating income to assets0.1954%5,176
Return on assets (ROA)0.2657%5,024
Pretax return on assets0.4084%4,783
Return on Equity (ROE)2.6762%4,926
Retained earnings to average equity (ytd only)2.6762%3,831
Net charge-offs to loans0.3170%4,058
Credit loss provision to net charge-offs151.6966%3,159
Earnings coverage of net charge-offs (x)2.7645%3,850
Efficiency ratio84.8807%2,198
Assets per employee ($millions)3.3962%5,172
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.1658%5,320
Loan loss allowance to noncurrent loans142.7887%1,987
Noncurrent assets plus other real estate owned to assets1.9971%3,350
Noncurrent loans to loans0.8165%5,668
Net loans and leases to total assets74.4506%2,397
Net loans and leases to deposits91.3876%2,337
Net loans and leases to core deposits102.5813%4,097
Total domestic deposits to total assets81.4669%4,892
Equity capital to assets10.3468%3,683
Core capital (leverage) ratio8.3175%5,805
Tier 1 risk-based capital ratio11.0635%5,888
Total risk-based capital ratio12.2687%5,899
Memoranda:
Average total assets$277,524,7502,382
Average earning assets$247,130,2502,448
Average equity$27,550,2502,433
Average total loans$210,703,2502,207
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7476%3,307
Cost of funding earning assets1.7170%5,187
Net interest margin4.0306%2,577
Noninterest income to average assets1.2874%921
Noninterest expense to average assets4.4477%815
Loan and lease loss provision to assets0.2075%4,971
Net operating income to assets0.1403%5,451
Return on assets (ROA)0.2333%5,235
Pretax return on assets0.3743%5,003
Return on Equity (ROE)2.3828%5,144
Retained earnings to average equity (ytd only)2.3828%4,006
Net charge-offs to loans0.0470%5,816
Credit loss provision to net charge-offs580.0000%802
Earnings coverage of net charge-offs (x)12.2000%1,837
Efficiency ratio89.4359%1,868
Assets per employee ($millions)3.5717%4,638
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.1070%5,552
Loan loss allowance to noncurrent loans140.5582%2,099
Noncurrent assets plus other real estate owned to assets1.2599%4,418
Noncurrent loans to loans0.7876%5,659
Net loans and leases to total assets74.9392%2,452
Net loans and leases to deposits95.1805%1,923
Net loans and leases to core deposits107.1777%3,705
Total domestic deposits to total assets78.7338%5,886
Equity capital to assets9.8010%4,215
Core capital (leverage) ratio8.1827%6,005
Tier 1 risk-based capital ratio10.4857%6,393
Total risk-based capital ratio11.6440%6,425
Memoranda:
Average total assets$279,467,3302,379
Average earning assets$249,392,3302,445
Average equity$27,363,0002,443
Average total loans$212,715,6702,223
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8749%2,916
Cost of funding earning assets1.8115%5,062
Net interest margin4.0634%2,418
Noninterest income to average assets1.2470%920
Noninterest expense to average assets4.4859%717
Loan and lease loss provision to assets0.0460%6,398
Net operating income to assets0.2244%5,585
Return on assets (ROA)0.2244%5,744
Pretax return on assets0.3380%5,560
Return on Equity (ROE)2.2927%5,666
Retained earnings to average equity (ytd only)2.2927%4,598
Net charge-offs to loans-0.0867%7,840
Credit loss provision to net charge-offs-69.5652%6,192
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.4607%1,687
Assets per employee ($millions)3.1209%5,837
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0593%5,754
Loan loss allowance to noncurrent loans79.7468%3,679
Noncurrent assets plus other real estate owned to assets4.0905%1,246
Noncurrent loans to loans1.3283%4,323
Net loans and leases to total assets74.9934%2,504
Net loans and leases to deposits96.4227%1,884
Net loans and leases to core deposits109.8372%3,455
Total domestic deposits to total assets77.7756%6,086
Equity capital to assets9.9783%4,027
Core capital (leverage) ratio8.0976%6,296
Tier 1 risk-based capital ratio10.2818%6,607
Total risk-based capital ratio11.3570%6,716
Memoranda:
Average total assets$278,118,0002,399
Average earning assets$247,970,0002,464
Average equity$27,217,0002,473
Average total loans$212,163,5002,248
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2031%4,500
Cost of funding earning assets2.2153%5,532
Net interest margin3.9877%3,174
Noninterest income to average assets0.5459%4,261
Noninterest expense to average assets5.6933%465
Loan and lease loss provision to assets0.5863%2,477
Net operating income to assets-1.4615%7,448
Return on assets (ROA)-1.7820%7,505
Pretax return on assets-2.6938%7,639
Return on Equity (ROE)-16.6619%7,654
Retained earnings to average equity (ytd only)-16.6619%7,553
Net charge-offs to loans0.5191%2,289
Credit loss provision to net charge-offs153.7259%3,400
Earnings coverage of net charge-offs (x)-4.2530%6,813
Efficiency ratio108.2558%751
Assets per employee ($millions)3.0945%5,784
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.9840%6,181
Loan loss allowance to noncurrent loans58.4823%5,080
Noncurrent assets plus other real estate owned to assets3.9013%1,071
Noncurrent loans to loans1.6825%3,244
Net loans and leases to total assets76.0072%2,619
Net loans and leases to deposits99.2737%1,950
Net loans and leases to core deposits113.3550%3,412
Total domestic deposits to total assets76.5633%6,108
Equity capital to assets9.5987%4,544
Core capital (leverage) ratio7.7131%6,903
Tier 1 risk-based capital ratio9.8030%6,953
Total risk-based capital ratio10.8092%7,151
Memoranda:
Average total assets$285,020,8002,285
Average earning assets$251,971,8002,354
Average equity$30,482,8002,219
Average total loans$209,420,0002,210