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First National Bank, Ames, Iowa, Performance and Condition Ratios

2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6831%4,412
Cost of funding earning assets1.8733%2,541
Net interest margin1.8099%4,347
Noninterest income to average assets0.5400%1,719
Noninterest expense to average assets1.8679%3,808
Loan and lease loss provision to assets-0.0300%4,235
Net operating income to assets0.3987%3,681
Return on assets (ROA)0.3987%3,710
Pretax return on assets0.4284%3,766
Return on Equity (ROE)5.1100%3,505
Retained earnings to average equity (ytd only)0.1426%3,935
Net charge-offs to loans0.0006%2,816
Credit loss provision to net charge-offs-8,533.3333%4,534
Earnings coverage of net charge-offs (x)1,099.3333%103
Efficiency ratio81.8759%959
Assets per employee ($millions)9.3325%953
Cash dividends to net income (ytd only)*97.2080%272
Condition Ratios (%)
Loss allowance to loans1.2579%1,899
Loan loss allowance to noncurrent loans68.5714%3,368
Noncurrent assets plus other real estate owned to assets1.1736%525
Noncurrent loans to loans1.8344%449
Net loans and leases to total assets63.1700%2,618
Net loans and leases to deposits75.5692%2,560
Net loans and leases to core deposits78.5942%2,911
Total domestic deposits to total assets83.5900%2,701
Equity capital to assets8.6442%3,294
Core capital (leverage) ratio9.2809%3,499
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2181%1,820
Memoranda:
Average total assets$1,113,865,250920
Average earning assets$1,060,155,000890
Average equity$86,966,0001,122
Average total loans$690,351,7501,016
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6411%4,424
Cost of funding earning assets1.8677%2,450
Net interest margin1.7734%4,374
Noninterest income to average assets0.5400%1,684
Noninterest expense to average assets1.8556%3,844
Loan and lease loss provision to assets0.0200%2,508
Net operating income to assets0.3449%3,760
Return on assets (ROA)0.3449%3,801
Pretax return on assets0.3577%3,867
Return on Equity (ROE)4.5800%3,614
Retained earnings to average equity (ytd only)-0.7952%4,035
Net charge-offs to loans-0.0003%3,495
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio82.4894%954
Assets per employee ($millions)9.2900%910
Cash dividends to net income (ytd only)*117.3801%231
Condition Ratios (%)
Loss allowance to loans1.3304%1,614
Loan loss allowance to noncurrent loans92.7716%3,141
Noncurrent assets plus other real estate owned to assets0.8910%696
Noncurrent loans to loans1.4341%607
Net loans and leases to total assets61.3000%2,838
Net loans and leases to deposits72.4444%2,813
Net loans and leases to core deposits75.4302%3,074
Total domestic deposits to total assets84.6200%2,425
Equity capital to assets7.7033%3,618
Core capital (leverage) ratio9.0397%3,703
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1877%1,812
Memoranda:
Average total assets$1,124,298,000912
Average earning assets$1,069,445,333884
Average equity$84,761,6671,138
Average total loans$689,606,3331,015
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6162%4,442
Cost of funding earning assets1.8170%2,457
Net interest margin1.7992%4,390
Noninterest income to average assets0.4900%1,833
Noninterest expense to average assets1.8266%3,911
Loan and lease loss provision to assets0.0200%2,205
Net operating income to assets0.3447%3,731
Return on assets (ROA)0.3447%3,752
Pretax return on assets0.3581%3,833
Return on Equity (ROE)4.6200%3,539
Retained earnings to average equity (ytd only)-1.5279%3,885
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio82.0259%1,036
Assets per employee ($millions)9.5861%836
Cash dividends to net income (ytd only)*133.0604%351
Condition Ratios (%)
Loss allowance to loans1.3165%1,697
Loan loss allowance to noncurrent loans89.8818%3,244
Noncurrent assets plus other real estate owned to assets0.8903%675
Noncurrent loans to loans1.4647%552
Net loans and leases to total assets59.9900%2,861
Net loans and leases to deposits72.4665%2,718
Net loans and leases to core deposits75.6156%3,003
Total domestic deposits to total assets82.7800%3,026
Equity capital to assets7.4571%3,702
Core capital (leverage) ratio8.9138%3,779
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0726%1,847
Memoranda:
Average total assets$1,133,693,500911
Average earning assets$1,081,140,000885
Average equity$84,562,5001,136
Average total loans$690,986,0001,017
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4246%4,424
Cost of funding earning assets1.5451%1,824
Net interest margin1.8795%4,446
Noninterest income to average assets0.5000%1,995
Noninterest expense to average assets1.7231%4,107
Loan and lease loss provision to assets0.0300%2,526
Net operating income to assets0.4799%3,710
Return on assets (ROA)0.4845%3,696
Pretax return on assets0.5380%3,748
Return on Equity (ROE)6.9000%3,307
Retained earnings to average equity (ytd only)0.6237%3,927
Net charge-offs to loans0.0037%2,628
Credit loss provision to net charge-offs1,364.0000%315
Earnings coverage of net charge-offs (x)256.1200%485
Efficiency ratio74.1128%1,448
Assets per employee ($millions)9.6291%793
Cash dividends to net income (ytd only)*90.9587%370
Condition Ratios (%)
Loss allowance to loans1.2919%1,808
Loan loss allowance to noncurrent loans87.4281%3,329
Noncurrent assets plus other real estate owned to assets0.9031%552
Noncurrent loans to loans1.4777%467
Net loans and leases to total assets60.3200%2,817
Net loans and leases to deposits72.7215%2,715
Net loans and leases to core deposits75.6439%2,999
Total domestic deposits to total assets82.9500%2,902
Equity capital to assets7.4610%3,741
Core capital (leverage) ratio8.7576%3,933
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8646%1,910
Memoranda:
Average total assets$1,134,486,800891
Average earning assets$1,081,191,000859
Average equity$79,688,8001,134
Average total loans$681,377,800981
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3503%4,435
Cost of funding earning assets1.4717%1,683
Net interest margin1.8785%4,472
Noninterest income to average assets0.5000%1,963
Noninterest expense to average assets1.7160%4,100
Loan and lease loss provision to assets0.0100%2,772
Net operating income to assets0.5054%3,752
Return on assets (ROA)0.5115%3,735
Pretax return on assets0.5734%3,784
Return on Equity (ROE)7.4000%3,330
Retained earnings to average equity (ytd only)1.1069%3,927
Net charge-offs to loans0.0045%2,317
Credit loss provision to net charge-offs473.9130%665
Earnings coverage of net charge-offs (x)213.6957%572
Efficiency ratio73.5534%1,400
Assets per employee ($millions)9.4376%798
Cash dividends to net income (ytd only)*85.0379%391
Condition Ratios (%)
Loss allowance to loans1.2883%1,919
Loan loss allowance to noncurrent loans76.9251%3,409
Noncurrent assets plus other real estate owned to assets1.0118%511
Noncurrent loans to loans1.6747%405
Net loans and leases to total assets59.6400%2,883
Net loans and leases to deposits71.5421%2,738
Net loans and leases to core deposits74.7227%2,947
Total domestic deposits to total assets83.3600%2,943
Equity capital to assets6.7206%3,741
Core capital (leverage) ratio8.9114%3,853
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0497%1,877
Memoranda:
Average total assets$1,134,050,750893
Average earning assets$1,080,964,500860
Average equity$78,417,5001,142
Average total loans$678,126,750986
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3057%4,458
Cost of funding earning assets1.3960%1,457
Net interest margin1.9097%4,517
Noninterest income to average assets0.4900%1,926
Noninterest expense to average assets1.7282%4,111
Loan and lease loss provision to assets0.0400%2,074
Net operating income to assets0.4870%3,835
Return on assets (ROA)0.4864%3,844
Pretax return on assets0.5393%3,896
Return on Equity (ROE)6.9700%3,483
Retained earnings to average equity (ytd only)0.9245%3,928
Net charge-offs to loans0.0071%1,974
Credit loss provision to net charge-offs995.8333%414
Earnings coverage of net charge-offs (x)137.4583%786
Efficiency ratio73.6405%1,386
Assets per employee ($millions)9.7505%720
Cash dividends to net income (ytd only)*86.7365%458
Condition Ratios (%)
Loss allowance to loans1.2941%1,952
Loan loss allowance to noncurrent loans110.6261%3,183
Noncurrent assets plus other real estate owned to assets0.6969%753
Noncurrent loans to loans1.1698%603
Net loans and leases to total assets58.8000%2,884
Net loans and leases to deposits70.1156%2,778
Net loans and leases to core deposits72.9266%2,966
Total domestic deposits to total assets83.8600%2,854
Equity capital to assets6.9281%3,829
Core capital (leverage) ratio8.7385%3,977
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0569%1,871
Memoranda:
Average total assets$1,137,708,667881
Average earning assets$1,085,828,333852
Average equity$79,397,6671,125
Average total loans$678,002,000978
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2101%4,486
Cost of funding earning assets1.2498%1,338
Net interest margin1.9603%4,570
Noninterest income to average assets0.4700%1,975
Noninterest expense to average assets1.7188%4,171
Loan and lease loss provision to assets0.0700%1,437
Net operating income to assets0.4993%3,901
Return on assets (ROA)0.4993%3,865
Pretax return on assets0.5551%3,914
Return on Equity (ROE)7.1300%3,485
Retained earnings to average equity (ytd only)1.5750%3,769
Net charge-offs to loans-0.0012%3,337
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio72.1576%1,522
Assets per employee ($millions)9.5442%792
Cash dividends to net income (ytd only)*77.9037%661
Condition Ratios (%)
Loss allowance to loans1.2909%2,075
Loan loss allowance to noncurrent loans109.3064%3,282
Noncurrent assets plus other real estate owned to assets0.7037%694
Noncurrent loans to loans1.1810%592
Net loans and leases to total assets58.8100%2,784
Net loans and leases to deposits70.4427%2,569
Net loans and leases to core deposits73.1769%2,740
Total domestic deposits to total assets83.4900%3,201
Equity capital to assets7.1330%3,768
Core capital (leverage) ratio8.9165%3,803
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9897%1,978
Memoranda:
Average total assets$1,131,283,500903
Average earning assets$1,079,825,500871
Average equity$79,240,5001,138
Average total loans$674,299,500993
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9112%4,228
Cost of funding earning assets0.4337%1,835
Net interest margin2.4776%4,309
Noninterest income to average assets0.5200%1,990
Noninterest expense to average assets1.7619%4,077
Loan and lease loss provision to assets-0.0700%4,460
Net operating income to assets0.9442%2,796
Return on assets (ROA)0.9444%2,738
Pretax return on assets1.1969%2,443
Return on Equity (ROE)12.4800%1,983
Retained earnings to average equity (ytd only)7.2195%2,140
Net charge-offs to loans0.0088%2,063
Credit loss provision to net charge-offs-1,398.2143%4,675
Earnings coverage of net charge-offs (x)222.2321%604
Efficiency ratio59.8590%3,080
Assets per employee ($millions)9.1579%866
Cash dividends to net income (ytd only)*42.1496%1,794
Condition Ratios (%)
Loss allowance to loans1.2885%1,956
Loan loss allowance to noncurrent loans73.3738%3,528
Noncurrent assets plus other real estate owned to assets1.0471%408
Noncurrent loans to loans1.7560%345
Net loans and leases to total assets58.8600%2,744
Net loans and leases to deposits66.9645%2,817
Net loans and leases to core deposits69.3013%2,925
Total domestic deposits to total assets87.9000%2,105
Equity capital to assets6.8727%3,726
Core capital (leverage) ratio8.9487%3,741
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1832%1,907
Memoranda:
Average total assets$1,105,366,800896
Average earning assets$1,055,187,000873
Average equity$83,648,6001,093
Average total loans$635,293,800992
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8307%4,157
Cost of funding earning assets0.2860%2,324
Net interest margin2.5446%4,172
Noninterest income to average assets0.5100%2,099
Noninterest expense to average assets1.7475%4,080
Loan and lease loss provision to assets-0.0600%4,520
Net operating income to assets0.9756%2,562
Return on assets (ROA)0.9758%2,537
Pretax return on assets1.2543%2,193
Return on Equity (ROE)12.6000%1,836
Retained earnings to average equity (ytd only)7.4471%2,212
Net charge-offs to loans0.0025%2,166
Credit loss provision to net charge-offs-3,975.0000%4,750
Earnings coverage of net charge-offs (x)824.3333%199
Efficiency ratio58.2022%3,364
Assets per employee ($millions)8.9773%900
Cash dividends to net income (ytd only)*40.9023%1,539
Condition Ratios (%)
Loss allowance to loans1.3975%1,614
Loan loss allowance to noncurrent loans74.1389%3,590
Noncurrent assets plus other real estate owned to assets1.1092%393
Noncurrent loans to loans1.8850%326
Net loans and leases to total assets58.0200%2,696
Net loans and leases to deposits67.2656%2,610
Net loans and leases to core deposits68.3195%2,772
Total domestic deposits to total assets86.2600%2,999
Equity capital to assets6.4695%3,756
Core capital (leverage) ratio8.9797%3,630
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7877%1,774
Memoranda:
Average total assets$1,102,393,000904
Average earning assets$1,052,955,000882
Average equity$85,364,2501,088
Average total loans$627,560,750996
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7441%4,079
Cost of funding earning assets0.1906%3,037
Net interest margin2.5535%3,997
Noninterest income to average assets0.5405%1,990
Noninterest expense to average assets1.7653%4,028
Loan and lease loss provision to assets0.0031%2,551
Net operating income to assets0.9233%2,476
Return on assets (ROA)0.9233%2,444
Pretax return on assets1.2174%2,017
Return on Equity (ROE)11.3149%1,887
Retained earnings to average equity (ytd only)6.4473%2,190
Net charge-offs to loans0.0048%1,841
Credit loss provision to net charge-offs120.0000%1,183
Earnings coverage of net charge-offs (x)450.6667%281
Efficiency ratio57.9816%3,565
Assets per employee ($millions)9.0354%868
Cash dividends to net income (ytd only)*43.0192%1,606
Condition Ratios (%)
Loss allowance to loans1.5063%1,389
Loan loss allowance to noncurrent loans113.8956%3,280
Noncurrent assets plus other real estate owned to assets0.7570%694
Noncurrent loans to loans1.3225%592
Net loans and leases to total assets56.3773%2,711
Net loans and leases to deposits62.9594%2,811
Net loans and leases to core deposits63.8216%2,986
Total domestic deposits to total assets89.5455%1,921
Equity capital to assets7.3378%3,575
Core capital (leverage) ratio8.6722%3,784
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6827%1,806
Memoranda:
Average total assets$1,107,772,000901
Average earning assets$1,060,813,667880
Average equity$90,394,0001,046
Average total loans$623,675,000994
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6365%4,057
Cost of funding earning assets0.1487%3,521
Net interest margin2.4878%3,923
Noninterest income to average assets0.5406%1,947
Noninterest expense to average assets1.7173%4,114
Loan and lease loss provision to assets0.0065%2,192
Net operating income to assets0.9890%1,923
Return on assets (ROA)0.9890%1,918
Pretax return on assets1.2061%1,789
Return on Equity (ROE)11.5501%1,437
Retained earnings to average equity (ytd only)6.9418%1,907
Net charge-offs to loans0.0077%1,467
Credit loss provision to net charge-offs150.0000%860
Earnings coverage of net charge-offs (x)281.6667%336
Efficiency ratio57.4630%3,740
Assets per employee ($millions)9.0678%889
Cash dividends to net income (ytd only)*39.8984%1,503
Condition Ratios (%)
Loss allowance to loans1.5095%1,530
Loan loss allowance to noncurrent loans107.8463%3,308
Noncurrent assets plus other real estate owned to assets0.7839%704
Noncurrent loans to loans1.3997%611
Net loans and leases to total assets55.1586%2,615
Net loans and leases to deposits61.3235%2,771
Net loans and leases to core deposits62.2570%2,951
Total domestic deposits to total assets89.9468%1,593
Equity capital to assets7.8883%3,656
Core capital (leverage) ratio8.8687%3,491
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5204%1,982
Memoranda:
Average total assets$1,115,015,000901
Average earning assets$1,070,805,000878
Average equity$95,479,5001,019
Average total loans$622,617,000987
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9349%3,990
Cost of funding earning assets0.1777%3,687
Net interest margin2.7572%3,764
Noninterest income to average assets0.5455%2,376
Noninterest expense to average assets1.7205%4,268
Loan and lease loss provision to assets-0.0345%4,290
Net operating income to assets1.2184%1,865
Return on assets (ROA)1.2184%1,910
Pretax return on assets1.5110%1,682
Return on Equity (ROE)12.9599%1,480
Retained earnings to average equity (ytd only)9.0138%1,200
Net charge-offs to loans0.0008%2,663
Credit loss provision to net charge-offs-7,440.0000%4,200
Earnings coverage of net charge-offs (x)3,183.8000%39
Efficiency ratio52.6473%4,068
Assets per employee ($millions)8.7085%1,010
Cash dividends to net income (ytd only)*30.4484%2,533
Condition Ratios (%)
Loss allowance to loans1.5184%1,490
Loan loss allowance to noncurrent loans108.0248%3,329
Noncurrent assets plus other real estate owned to assets0.7826%771
Noncurrent loans to loans1.4056%664
Net loans and leases to total assets54.8293%2,746
Net loans and leases to deposits61.8914%2,890
Net loans and leases to core deposits62.8072%3,091
Total domestic deposits to total assets88.5895%1,739
Equity capital to assets9.2383%3,380
Core capital (leverage) ratio8.6643%3,759
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4844%2,054
Memoranda:
Average total assets$1,078,192,600906
Average earning assets$1,036,810,200876
Average equity$101,366,4001,003
Average total loans$626,934,400965
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9970%4,010
Cost of funding earning assets0.1874%3,739
Net interest margin2.8095%3,760
Noninterest income to average assets0.5454%2,433
Noninterest expense to average assets1.7183%4,300
Loan and lease loss provision to assets0.0228%2,537
Net operating income to assets1.2139%2,122
Return on assets (ROA)1.2139%2,179
Pretax return on assets1.5037%1,980
Return on Equity (ROE)12.8532%1,742
Retained earnings to average equity (ytd only)8.8914%1,737
Net charge-offs to loans0.0015%2,363
Credit loss provision to net charge-offs2,614.2857%266
Earnings coverage of net charge-offs (x)1,748.5714%83
Efficiency ratio51.7757%4,040
Assets per employee ($millions)8.9345%913
Cash dividends to net income (ytd only)*30.8230%2,039
Condition Ratios (%)
Loss allowance to loans1.5874%1,369
Loan loss allowance to noncurrent loans112.3283%3,278
Noncurrent assets plus other real estate owned to assets0.8149%872
Noncurrent loans to loans1.4132%751
Net loans and leases to total assets56.7466%2,645
Net loans and leases to deposits64.1620%2,833
Net loans and leases to core deposits65.3047%3,012
Total domestic deposits to total assets88.4427%1,604
Equity capital to assets9.4823%3,389
Core capital (leverage) ratio8.7911%3,763
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6551%2,106
Memoranda:
Average total assets$1,069,068,500920
Average earning assets$1,027,195,750890
Average equity$100,963,5001,022
Average total loans$628,518,250981
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0162%4,012
Cost of funding earning assets0.2042%3,705
Net interest margin2.8120%3,767
Noninterest income to average assets0.5372%2,456
Noninterest expense to average assets1.7628%4,260
Loan and lease loss provision to assets0.0362%2,270
Net operating income to assets1.1675%2,303
Return on assets (ROA)1.1675%2,363
Pretax return on assets1.4402%2,211
Return on Equity (ROE)12.3795%1,920
Retained earnings to average equity (ytd only)8.3861%1,944
Net charge-offs to loans0.0000%2,245
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.2236%3,899
Assets per employee ($millions)8.6718%961
Cash dividends to net income (ytd only)*32.2581%1,954
Condition Ratios (%)
Loss allowance to loans1.6001%1,271
Loan loss allowance to noncurrent loans109.6325%3,250
Noncurrent assets plus other real estate owned to assets0.8477%923
Noncurrent loans to loans1.4595%785
Net loans and leases to total assets57.1483%2,771
Net loans and leases to deposits64.5007%2,950
Net loans and leases to core deposits65.8734%3,119
Total domestic deposits to total assets88.6010%1,506
Equity capital to assets9.4319%3,400
Core capital (leverage) ratio8.4666%4,009
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,062,090,000923
Average earning assets$1,020,496,333892
Average equity$100,165,6671,024
Average total loans$628,518,667980
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1094%3,865
Cost of funding earning assets0.2274%3,659
Net interest margin2.8820%3,570
Noninterest income to average assets0.5256%2,497
Noninterest expense to average assets1.7562%4,281
Loan and lease loss provision to assets0.1315%1,040
Net operating income to assets1.1418%2,353
Return on assets (ROA)1.1418%2,418
Pretax return on assets1.4045%2,268
Return on Equity (ROE)12.1080%1,982
Retained earnings to average equity (ytd only)8.0894%2,208
Net charge-offs to loans0.0006%1,920
Credit loss provision to net charge-offs34,700.0000%10
Earnings coverage of net charge-offs (x)4,053.0000%9
Efficiency ratio52.1584%3,978
Assets per employee ($millions)8.4360%1,014
Cash dividends to net income (ytd only)*33.1895%1,609
Condition Ratios (%)
Loss allowance to loans1.6078%1,275
Loan loss allowance to noncurrent loans110.8489%3,200
Noncurrent assets plus other real estate owned to assets0.8476%1,048
Noncurrent loans to loans1.4504%867
Net loans and leases to total assets57.5027%2,857
Net loans and leases to deposits65.2747%2,999
Net loans and leases to core deposits66.8976%3,163
Total domestic deposits to total assets88.0934%1,798
Equity capital to assets9.0811%3,610
Core capital (leverage) ratio8.5053%4,103
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,055,482,000917
Average earning assets$1,013,176,500884
Average equity$99,537,5001,020
Average total loans$630,522,000973
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3634%4,247
Cost of funding earning assets0.4114%3,511
Net interest margin2.9520%4,005
Noninterest income to average assets0.6019%2,211
Noninterest expense to average assets1.8649%4,373
Loan and lease loss provision to assets0.3909%816
Net operating income to assets0.9659%2,416
Return on assets (ROA)1.0031%2,424
Pretax return on assets1.2009%2,319
Return on Equity (ROE)10.2557%1,908
Retained earnings to average equity (ytd only)5.4211%2,083
Net charge-offs to loans0.0694%1,800
Credit loss provision to net charge-offs914.1827%824
Earnings coverage of net charge-offs (x)36.1923%1,459
Efficiency ratio53.3225%4,278
Assets per employee ($millions)7.8118%1,113
Cash dividends to net income (ytd only)*47.1408%2,001
Condition Ratios (%)
Loss allowance to loans1.5558%1,409
Loan loss allowance to noncurrent loans106.4632%3,243
Noncurrent assets plus other real estate owned to assets0.8928%1,116
Noncurrent loans to loans1.4613%919
Net loans and leases to total assets60.1440%2,848
Net loans and leases to deposits68.5662%3,023
Net loans and leases to core deposits70.5944%3,220
Total domestic deposits to total assets87.7167%1,606
Equity capital to assets9.7965%3,320
Core capital (leverage) ratio8.5650%4,137
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$972,830,800901
Average earning assets$926,255,800882
Average equity$95,147,2001,006
Average total loans$599,680,200977
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3925%4,355
Cost of funding earning assets0.4526%3,514
Net interest margin2.9400%4,109
Noninterest income to average assets0.5998%2,179
Noninterest expense to average assets1.8991%4,326
Loan and lease loss provision to assets0.3750%983
Net operating income to assets0.9320%2,590
Return on assets (ROA)0.9816%2,542
Pretax return on assets1.1803%2,453
Return on Equity (ROE)10.0411%2,007
Retained earnings to average equity (ytd only)4.9173%2,592
Net charge-offs to loans0.0989%1,322
Credit loss provision to net charge-offs613.8952%1,151
Earnings coverage of net charge-offs (x)24.4829%1,759
Efficiency ratio54.5641%4,091
Assets per employee ($millions)7.5271%1,195
Cash dividends to net income (ytd only)*51.0276%1,454
Condition Ratios (%)
Loss allowance to loans1.3465%1,974
Loan loss allowance to noncurrent loans84.7507%3,493
Noncurrent assets plus other real estate owned to assets1.0375%1,051
Noncurrent loans to loans1.5888%888
Net loans and leases to total assets64.4204%2,717
Net loans and leases to deposits73.5386%2,998
Net loans and leases to core deposits75.8569%3,176
Total domestic deposits to total assets87.6008%1,396
Equity capital to assets10.0641%3,174
Core capital (leverage) ratio8.7671%3,987
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$958,249,750908
Average earning assets$910,917,750877
Average equity$93,679,7501,013
Average total loans$592,105,500986
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4208%4,519
Cost of funding earning assets0.5111%3,469
Net interest margin2.9097%4,294
Noninterest income to average assets0.5806%2,207
Noninterest expense to average assets1.9119%4,395
Loan and lease loss provision to assets0.4647%818
Net operating income to assets0.8105%3,006
Return on assets (ROA)0.8866%2,862
Pretax return on assets1.0531%2,861
Return on Equity (ROE)9.1628%2,289
Retained earnings to average equity (ytd only)3.5000%3,181
Net charge-offs to loans0.1545%952
Credit loss provision to net charge-offs496.6216%1,242
Earnings coverage of net charge-offs (x)15.2523%1,918
Efficiency ratio55.8319%3,963
Assets per employee ($millions)7.4374%1,209
Cash dividends to net income (ytd only)*61.8018%1,187
Condition Ratios (%)
Loss allowance to loans1.3244%1,892
Loan loss allowance to noncurrent loans79.9589%3,522
Noncurrent assets plus other real estate owned to assets1.0414%1,133
Noncurrent loans to loans1.6563%882
Net loans and leases to total assets62.0421%3,123
Net loans and leases to deposits71.1684%3,336
Net loans and leases to core deposits73.4217%3,494
Total domestic deposits to total assets87.1765%1,553
Equity capital to assets9.8194%3,353
Core capital (leverage) ratio8.6515%4,256
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$948,983,333892
Average earning assets$899,679,000876
Average equity$91,827,3331,017
Average total loans$574,845,000996
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4627%4,672
Cost of funding earning assets0.6193%3,336
Net interest margin2.8435%4,511
Noninterest income to average assets0.6009%2,041
Noninterest expense to average assets1.9592%4,474
Loan and lease loss provision to assets0.5327%547
Net operating income to assets0.6806%3,333
Return on assets (ROA)0.8214%2,917
Pretax return on assets0.9646%2,948
Return on Equity (ROE)8.5547%2,291
Retained earnings to average equity (ytd only)2.7473%3,179
Net charge-offs to loans0.0000%2,581
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.0607%3,991
Assets per employee ($millions)7.1041%1,050
Cash dividends to net income (ytd only)*67.8851%1,241
Condition Ratios (%)
Loss allowance to loans1.3461%1,931
Loan loss allowance to noncurrent loans83.1632%3,514
Noncurrent assets plus other real estate owned to assets0.9671%1,373
Noncurrent loans to loans1.6187%956
Net loans and leases to total assets58.9405%3,601
Net loans and leases to deposits68.7102%3,682
Net loans and leases to core deposits71.3567%3,791
Total domestic deposits to total assets85.7813%2,091
Equity capital to assets9.4525%4,261
Core capital (leverage) ratio9.0614%4,412
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$932,608,500882
Average earning assets$882,306,500863
Average equity$89,541,0001,036
Average total loans$553,636,0001,006
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6826%4,694
Cost of funding earning assets0.6530%3,400
Net interest margin3.0296%4,485
Noninterest income to average assets0.6744%1,907
Noninterest expense to average assets2.0731%4,404
Loan and lease loss provision to assets0.0289%3,433
Net operating income to assets1.1888%2,098
Return on assets (ROA)1.1890%2,196
Pretax return on assets1.4295%2,049
Return on Equity (ROE)12.0952%1,475
Retained earnings to average equity (ytd only)5.9764%1,882
Net charge-offs to loans-0.0034%4,288
Credit loss provision to net charge-offs-1,388.8889%4,564
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0984%4,079
Assets per employee ($millions)6.8155%1,123
Cash dividends to net income (ytd only)*50.5886%2,006
Condition Ratios (%)
Loss allowance to loans1.1910%2,486
Loan loss allowance to noncurrent loans2,315.5235%288
Noncurrent assets plus other real estate owned to assets0.0303%4,493
Noncurrent loans to loans0.0514%4,340
Net loans and leases to total assets58.2653%3,750
Net loans and leases to deposits67.2161%3,878
Net loans and leases to core deposits69.7009%3,973
Total domestic deposits to total assets86.6836%1,764
Equity capital to assets9.7560%4,149
Core capital (leverage) ratio9.2980%4,283
Tier 1 risk-based capital ratio12.7982%3,897
Total risk-based capital ratio13.8628%3,886
Memoranda:
Average total assets$864,508,800912
Average earning assets$815,215,600889
Average equity$84,984,0001,035
Average total loans$522,110,6001,035
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7301%4,748
Cost of funding earning assets0.6541%3,433
Net interest margin3.0761%4,514
Noninterest income to average assets0.6774%1,880
Noninterest expense to average assets2.0327%4,490
Loan and lease loss provision to assets0.0321%3,264
Net operating income to assets1.1944%2,213
Return on assets (ROA)1.1947%2,291
Pretax return on assets1.5146%1,914
Return on Equity (ROE)12.1284%1,569
Retained earnings to average equity (ytd only)5.9348%2,403
Net charge-offs to loans-0.0044%4,170
Credit loss provision to net charge-offs-1,205.8824%4,447
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.1379%4,266
Assets per employee ($millions)6.5623%1,236
Cash dividends to net income (ytd only)*51.0672%1,623
Condition Ratios (%)
Loss allowance to loans1.2321%2,325
Loan loss allowance to noncurrent loans521.1129%945
Noncurrent assets plus other real estate owned to assets0.1400%4,032
Noncurrent loans to loans0.2364%3,694
Net loans and leases to total assets58.4882%3,823
Net loans and leases to deposits69.0144%3,838
Net loans and leases to core deposits71.0500%3,998
Total domestic deposits to total assets84.7479%2,526
Equity capital to assets10.1063%3,914
Core capital (leverage) ratio9.4706%4,196
Tier 1 risk-based capital ratio12.7885%3,963
Total risk-based capital ratio13.8578%3,953
Memoranda:
Average total assets$852,318,250923
Average earning assets$803,991,250901
Average equity$83,955,2501,043
Average total loans$518,004,7501,045
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7330%4,793
Cost of funding earning assets0.6459%3,430
Net interest margin3.0871%4,556
Noninterest income to average assets0.7011%1,708
Noninterest expense to average assets2.0336%4,546
Loan and lease loss provision to assets0.0326%3,180
Net operating income to assets1.2193%2,073
Return on assets (ROA)1.2196%2,128
Pretax return on assets1.5513%1,693
Return on Equity (ROE)12.4936%1,414
Retained earnings to average equity (ytd only)6.1935%2,196
Net charge-offs to loans-0.0066%4,198
Credit loss provision to net charge-offs-811.7647%4,214
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.5615%4,407
Assets per employee ($millions)6.3673%1,301
Cash dividends to net income (ytd only)*50.4267%1,768
Condition Ratios (%)
Loss allowance to loans1.2388%2,312
Loan loss allowance to noncurrent loans1,307.0539%481
Noncurrent assets plus other real estate owned to assets0.0565%4,478
Noncurrent loans to loans0.0948%4,256
Net loans and leases to total assets58.8642%3,835
Net loans and leases to deposits67.3426%4,005
Net loans and leases to core deposits69.1589%4,142
Total domestic deposits to total assets87.4100%1,382
Equity capital to assets10.0859%3,904
Core capital (leverage) ratio9.3907%4,256
Tier 1 risk-based capital ratio12.7442%3,982
Total risk-based capital ratio13.8209%3,981
Memoranda:
Average total assets$845,494,000922
Average earning assets$798,607,670902
Average equity$82,538,0001,050
Average total loans$518,390,3301,038
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7375%4,799
Cost of funding earning assets0.6207%3,460
Net interest margin3.1167%4,560
Noninterest income to average assets0.6240%1,942
Noninterest expense to average assets2.0627%4,525
Loan and lease loss provision to assets0.0328%2,973
Net operating income to assets1.1544%2,245
Return on assets (ROA)1.1544%2,299
Pretax return on assets1.4638%1,880
Return on Equity (ROE)12.0277%1,518
Retained earnings to average equity (ytd only)5.5905%2,648
Net charge-offs to loans-0.0252%4,580
Credit loss provision to net charge-offs-209.0909%3,649
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.2558%4,300
Assets per employee ($millions)6.3272%1,333
Cash dividends to net income (ytd only)*53.5200%1,529
Condition Ratios (%)
Loss allowance to loans1.2036%2,556
Loan loss allowance to noncurrent loans1,832.2581%350
Noncurrent assets plus other real estate owned to assets0.0784%4,412
Noncurrent loans to loans0.0657%4,467
Net loans and leases to total assets60.9470%3,608
Net loans and leases to deposits69.7777%3,778
Net loans and leases to core deposits71.5647%3,977
Total domestic deposits to total assets87.3445%1,647
Equity capital to assets9.8065%4,005
Core capital (leverage) ratio9.2307%4,433
Tier 1 risk-based capital ratio12.4494%4,205
Total risk-based capital ratio13.5151%4,179
Memoranda:
Average total assets$841,633,500928
Average earning assets$792,625,000910
Average equity$80,780,0001,065
Average total loans$523,316,5001,032
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5357%4,875
Cost of funding earning assets0.4999%3,361
Net interest margin3.0358%4,756
Noninterest income to average assets0.6818%1,926
Noninterest expense to average assets2.0489%4,657
Loan and lease loss provision to assets0.0538%3,104
Net operating income to assets1.1488%2,391
Return on assets (ROA)1.1488%2,391
Pretax return on assets1.4550%1,931
Return on Equity (ROE)11.7686%1,795
Retained earnings to average equity (ytd only)5.5170%2,477
Net charge-offs to loans-0.0002%4,148
Credit loss provision to net charge-offs-42,300.0000%5,002
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.5966%4,330
Assets per employee ($millions)6.0996%1,456
Cash dividends to net income (ytd only)*53.1208%1,810
Condition Ratios (%)
Loss allowance to loans1.1651%2,744
Loan loss allowance to noncurrent loans1,175.1434%542
Noncurrent assets plus other real estate owned to assets0.1000%4,326
Noncurrent loans to loans0.0991%4,287
Net loans and leases to total assets61.9376%3,573
Net loans and leases to deposits72.0520%3,665
Net loans and leases to core deposits73.3828%3,897
Total domestic deposits to total assets85.9625%2,252
Equity capital to assets9.3896%4,228
Core capital (leverage) ratio9.0811%4,576
Tier 1 risk-based capital ratio12.0789%4,377
Total risk-based capital ratio13.1136%4,402
Memoranda:
Average total assets$786,576,200964
Average earning assets$745,144,800940
Average equity$76,780,6001,068
Average total loans$462,613,6001,126
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4398%4,995
Cost of funding earning assets0.4749%3,362
Net interest margin2.9649%4,897
Noninterest income to average assets0.6977%1,871
Noninterest expense to average assets2.0128%4,716
Loan and lease loss provision to assets0.0159%3,696
Net operating income to assets1.1722%2,352
Return on assets (ROA)1.1722%2,360
Pretax return on assets1.4860%1,947
Return on Equity (ROE)11.8851%1,830
Retained earnings to average equity (ytd only)5.5875%2,894
Net charge-offs to loans-0.0003%3,985
Credit loss provision to net charge-offs-9,200.0000%4,906
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.5313%4,311
Assets per employee ($millions)6.9028%976
Cash dividends to net income (ytd only)*52.9879%1,477
Condition Ratios (%)
Loss allowance to loans1.1466%2,926
Loan loss allowance to noncurrent loans1,875.4839%348
Noncurrent assets plus other real estate owned to assets0.0856%4,542
Noncurrent loans to loans0.0611%4,615
Net loans and leases to total assets60.5115%3,795
Net loans and leases to deposits71.0900%3,841
Net loans and leases to core deposits72.5023%4,045
Total domestic deposits to total assets85.1196%2,563
Equity capital to assets9.2336%4,342
Core capital (leverage) ratio9.7917%3,849
Tier 1 risk-based capital ratio12.3479%4,286
Total risk-based capital ratio13.3651%4,328
Memoranda:
Average total assets$772,782,750974
Average earning assets$734,204,750954
Average equity$76,216,5001,069
Average total loans$446,390,5001,154
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4473%4,980
Cost of funding earning assets0.4801%3,158
Net interest margin2.9672%4,919
Noninterest income to average assets0.6695%2,008
Noninterest expense to average assets1.9996%4,803
Loan and lease loss provision to assets0.0244%3,431
Net operating income to assets1.1683%2,318
Return on assets (ROA)1.1683%2,319
Pretax return on assets1.4740%1,910
Return on Equity (ROE)11.5754%1,880
Retained earnings to average equity (ytd only)5.2701%2,945
Net charge-offs to loans-0.0014%3,915
Credit loss provision to net charge-offs-3,066.6667%4,698
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4660%4,422
Assets per employee ($millions)6.1219%1,388
Cash dividends to net income (ytd only)*54.4712%1,509
Condition Ratios (%)
Loss allowance to loans1.3463%1,964
Loan loss allowance to noncurrent loans1,105.7034%549
Noncurrent assets plus other real estate owned to assets0.0704%4,663
Noncurrent loans to loans0.1218%4,362
Net loans and leases to total assets57.0632%4,077
Net loans and leases to deposits65.6976%4,181
Net loans and leases to core deposits66.6303%4,339
Total domestic deposits to total assets86.8575%1,898
Equity capital to assets10.1995%3,438
Core capital (leverage) ratio10.2817%3,254
Tier 1 risk-based capital ratio14.6958%3,022
Total risk-based capital ratio15.8509%2,985
Memoranda:
Average total assets$754,266,000997
Average earning assets$718,998,330970
Average equity$76,127,0001,075
Average total loans$426,170,3301,197
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4283%4,980
Cost of funding earning assets0.4670%3,067
Net interest margin2.9612%4,932
Noninterest income to average assets0.6111%2,207
Noninterest expense to average assets2.0064%4,835
Loan and lease loss provision to assets0.0148%3,341
Net operating income to assets1.1204%2,330
Return on assets (ROA)1.1204%2,349
Pretax return on assets1.4106%1,972
Return on Equity (ROE)11.1587%1,902
Retained earnings to average equity (ytd only)4.8514%3,241
Net charge-offs to loans-0.0028%3,862
Credit loss provision to net charge-offs-933.3333%4,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7580%4,377
Assets per employee ($millions)6.4382%1,235
Cash dividends to net income (ytd only)*56.5238%1,353
Condition Ratios (%)
Loss allowance to loans1.3553%2,002
Loan loss allowance to noncurrent loans863.6637%663
Noncurrent assets plus other real estate owned to assets0.0877%4,652
Noncurrent loans to loans0.1569%4,276
Net loans and leases to total assets55.1096%4,198
Net loans and leases to deposits65.0293%4,153
Net loans and leases to core deposits65.9317%4,312
Total domestic deposits to total assets84.7457%3,019
Equity capital to assets9.9465%3,648
Core capital (leverage) ratio10.2159%3,284
Tier 1 risk-based capital ratio14.4986%3,121
Total risk-based capital ratio15.6429%3,088
Memoranda:
Average total assets$757,962,5001,001
Average earning assets$721,996,000978
Average equity$76,102,0001,077
Average total loans$423,252,5001,210
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2749%5,113
Cost of funding earning assets0.4039%3,212
Net interest margin2.8710%5,079
Noninterest income to average assets0.6561%2,160
Noninterest expense to average assets1.8554%5,185
Loan and lease loss provision to assets0.0656%2,898
Net operating income to assets0.9064%2,678
Return on assets (ROA)0.9455%2,498
Pretax return on assets1.5180%1,566
Return on Equity (ROE)9.3816%2,149
Retained earnings to average equity (ytd only)3.6115%3,098
Net charge-offs to loans0.0218%3,374
Credit loss provision to net charge-offs545.0549%590
Earnings coverage of net charge-offs (x)126.5934%539
Efficiency ratio54.1570%4,941
Assets per employee ($millions)6.4634%1,226
Cash dividends to net income (ytd only)*61.5041%1,681
Condition Ratios (%)
Loss allowance to loans1.3554%1,947
Loan loss allowance to noncurrent loans442.1175%1,223
Noncurrent assets plus other real estate owned to assets0.1711%4,271
Noncurrent loans to loans0.3066%3,681
Net loans and leases to total assets55.0583%4,266
Net loans and leases to deposits65.4939%4,223
Net loans and leases to core deposits66.3610%4,395
Total domestic deposits to total assets84.0663%3,178
Equity capital to assets10.1346%3,551
Core capital (leverage) ratio10.0842%3,343
Tier 1 risk-based capital ratio14.3911%3,142
Total risk-based capital ratio15.5336%3,103
Memoranda:
Average total assets$756,638,400977
Average earning assets$717,340,600959
Average equity$76,255,4001,059
Average total loans$417,089,2001,197
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2565%5,166
Cost of funding earning assets0.3947%3,251
Net interest margin2.8618%5,142
Noninterest income to average assets0.6367%2,274
Noninterest expense to average assets1.8584%5,188
Loan and lease loss provision to assets0.0818%2,457
Net operating income to assets0.9788%2,649
Return on assets (ROA)1.0358%2,427
Pretax return on assets1.4897%1,806
Return on Equity (ROE)10.2922%1,988
Retained earnings to average equity (ytd only)4.5150%3,216
Net charge-offs to loans0.0285%2,865
Credit loss provision to net charge-offs521.3483%610
Earnings coverage of net charge-offs (x)95.0255%714
Efficiency ratio54.7119%4,880
Assets per employee ($millions)6.5870%1,134
Cash dividends to net income (ytd only)*56.1320%1,499
Condition Ratios (%)
Loss allowance to loans1.3460%2,135
Loan loss allowance to noncurrent loans410.9025%1,235
Noncurrent assets plus other real estate owned to assets0.1844%4,368
Noncurrent loans to loans0.3276%3,774
Net loans and leases to total assets55.5488%4,270
Net loans and leases to deposits67.6041%4,137
Net loans and leases to core deposits68.5199%4,333
Total domestic deposits to total assets82.1677%3,720
Equity capital to assets10.4195%3,452
Core capital (leverage) ratio10.0488%3,512
Tier 1 risk-based capital ratio14.2385%3,334
Total risk-based capital ratio15.3659%3,301
Memoranda:
Average total assets$756,742,500982
Average earning assets$717,065,750962
Average equity$76,159,2501,064
Average total loans$415,840,5001,205
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2097%5,224
Cost of funding earning assets0.3826%3,263
Net interest margin2.8271%5,208
Noninterest income to average assets0.6356%2,284
Noninterest expense to average assets1.8508%5,257
Loan and lease loss provision to assets0.1128%1,815
Net operating income to assets0.9392%2,723
Return on assets (ROA)1.0244%2,357
Pretax return on assets1.4681%1,768
Return on Equity (ROE)10.2988%1,909
Retained earnings to average equity (ytd only)4.4683%3,052
Net charge-offs to loans0.0010%3,491
Credit loss provision to net charge-offs21,400.0000%9
Earnings coverage of net charge-offs (x)2,767.5000%14
Efficiency ratio55.1131%4,913
Assets per employee ($millions)6.6440%1,073
Cash dividends to net income (ytd only)*56.6135%1,619
Condition Ratios (%)
Loss allowance to loans1.3591%2,123
Loan loss allowance to noncurrent loans337.1697%1,440
Noncurrent assets plus other real estate owned to assets0.2248%4,253
Noncurrent loans to loans0.4031%3,585
Net loans and leases to total assets55.0219%4,310
Net loans and leases to deposits65.6106%4,251
Net loans and leases to core deposits66.4407%4,441
Total domestic deposits to total assets83.8612%3,254
Equity capital to assets10.2199%3,654
Core capital (leverage) ratio9.8589%3,704
Tier 1 risk-based capital ratio13.9836%3,433
Total risk-based capital ratio15.1143%3,422
Memoranda:
Average total assets$758,683,330984
Average earning assets$717,692,670963
Average equity$75,465,0001,074
Average total loans$413,514,6701,211
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1665%5,287
Cost of funding earning assets0.3591%3,431
Net interest margin2.8075%5,227
Noninterest income to average assets0.5905%2,457
Noninterest expense to average assets1.8569%5,298
Loan and lease loss provision to assets0.2054%801
Net operating income to assets0.8231%3,107
Return on assets (ROA)0.9603%2,535
Pretax return on assets1.3617%2,024
Return on Equity (ROE)9.7887%2,064
Retained earnings to average equity (ytd only)3.8822%3,511
Net charge-offs to loans0.0010%2,929
Credit loss provision to net charge-offs39,000.0000%6
Earnings coverage of net charge-offs (x)2,608.0000%9
Efficiency ratio56.6281%4,873
Assets per employee ($millions)6.7552%1,059
Cash dividends to net income (ytd only)*60.3401%1,421
Condition Ratios (%)
Loss allowance to loans1.3746%2,188
Loan loss allowance to noncurrent loans362.2222%1,369
Noncurrent assets plus other real estate owned to assets0.2196%4,342
Noncurrent loans to loans0.3795%3,737
Net loans and leases to total assets53.6233%4,367
Net loans and leases to deposits65.0586%4,247
Net loans and leases to core deposits65.9184%4,429
Total domestic deposits to total assets82.4232%4,050
Equity capital to assets9.8526%3,928
Core capital (leverage) ratio9.7316%3,834
Tier 1 risk-based capital ratio13.6507%3,683
Total risk-based capital ratio14.7620%3,685
Memoranda:
Average total assets$759,318,500987
Average earning assets$714,089,500969
Average equity$74,494,0001,078
Average total loans$409,029,5001,226
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2145%5,279
Cost of funding earning assets0.3009%4,053
Net interest margin2.9136%5,115
Noninterest income to average assets0.6558%2,391
Noninterest expense to average assets1.8724%5,396
Loan and lease loss provision to assets0.0715%2,927
Net operating income to assets1.0544%2,118
Return on assets (ROA)1.0870%2,055
Pretax return on assets1.5291%1,496
Return on Equity (ROE)10.5007%1,765
Retained earnings to average equity (ytd only)5.1555%2,233
Net charge-offs to loans0.0061%4,044
Credit loss provision to net charge-offs2,247.8261%194
Earnings coverage of net charge-offs (x)488.6522%168
Efficiency ratio53.9334%5,247
Assets per employee ($millions)6.7437%1,034
Cash dividends to net income (ytd only)*50.9035%2,252
Condition Ratios (%)
Loss allowance to loans1.3190%2,434
Loan loss allowance to noncurrent loans466.3158%1,123
Noncurrent assets plus other real estate owned to assets0.1643%4,664
Noncurrent loans to loans0.2829%4,140
Net loans and leases to total assets52.6560%4,557
Net loans and leases to deposits64.4874%4,367
Net loans and leases to core deposits65.4010%4,558
Total domestic deposits to total assets81.6533%4,160
Equity capital to assets9.7682%3,986
Core capital (leverage) ratio10.0078%3,471
Tier 1 risk-based capital ratio14.1708%3,367
Total risk-based capital ratio15.2561%3,369
Memoranda:
Average total assets$722,919,600991
Average earning assets$687,606,600970
Average equity$74,833,4001,065
Average total loans$379,664,0001,250
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2157%5,340
Cost of funding earning assets0.2977%4,126
Net interest margin2.9180%5,156
Noninterest income to average assets0.6558%2,386
Noninterest expense to average assets1.8908%5,390
Loan and lease loss provision to assets0.0886%2,458
Net operating income to assets1.0431%2,234
Return on assets (ROA)1.0706%2,228
Pretax return on assets1.4955%1,721
Return on Equity (ROE)10.1910%1,978
Retained earnings to average equity (ytd only)4.8647%2,914
Net charge-offs to loans0.0029%3,838
Credit loss provision to net charge-offs5,937.5000%94
Earnings coverage of net charge-offs (x)1,035.6504%74
Efficiency ratio54.3338%5,217
Assets per employee ($millions)6.3794%1,189
Cash dividends to net income (ytd only)*52.2648%1,768
Condition Ratios (%)
Loss allowance to loans1.3341%2,514
Loan loss allowance to noncurrent loans401.8997%1,266
Noncurrent assets plus other real estate owned to assets0.1872%4,687
Noncurrent loans to loans0.3319%4,066
Net loans and leases to total assets53.3187%4,553
Net loans and leases to deposits67.8000%4,170
Net loans and leases to core deposits69.0403%4,394
Total domestic deposits to total assets78.6412%4,798
Equity capital to assets10.4946%3,574
Core capital (leverage) ratio10.0598%3,493
Tier 1 risk-based capital ratio14.1167%3,497
Total risk-based capital ratio15.2053%3,505
Memoranda:
Average total assets$714,825,5001,007
Average earning assets$681,232,250977
Average equity$75,097,0001,060
Average total loans$373,823,7501,259
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2159%5,405
Cost of funding earning assets0.2960%4,177
Net interest margin2.9199%5,235
Noninterest income to average assets0.6644%2,309
Noninterest expense to average assets1.9008%5,448
Loan and lease loss provision to assets0.0274%3,577
Net operating income to assets1.0818%2,032
Return on assets (ROA)1.1217%1,987
Pretax return on assets1.5739%1,446
Return on Equity (ROE)10.6734%1,776
Retained earnings to average equity (ytd only)5.3018%2,543
Net charge-offs to loans0.0437%2,593
Credit loss provision to net charge-offs121.2500%1,849
Earnings coverage of net charge-offs (x)68.4250%791
Efficiency ratio54.4561%5,273
Assets per employee ($millions)6.1753%1,282
Cash dividends to net income (ytd only)*50.3271%1,950
Condition Ratios (%)
Loss allowance to loans1.2802%2,899
Loan loss allowance to noncurrent loans610.0883%906
Noncurrent assets plus other real estate owned to assets0.1107%5,067
Noncurrent loans to loans0.2098%4,601
Net loans and leases to total assets52.0807%4,665
Net loans and leases to deposits63.6669%4,514
Net loans and leases to core deposits64.8663%4,691
Total domestic deposits to total assets81.8018%4,054
Equity capital to assets10.7262%3,369
Core capital (leverage) ratio10.0206%3,543
Tier 1 risk-based capital ratio14.4098%3,373
Total risk-based capital ratio15.4420%3,420
Memoranda:
Average total assets$708,556,6701,014
Average earning assets$674,952,670993
Average equity$74,465,3301,070
Average total loans$366,281,0001,281
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1951%5,487
Cost of funding earning assets0.2967%4,199
Net interest margin2.8984%5,321
Noninterest income to average assets0.6755%2,149
Noninterest expense to average assets1.9805%5,380
Loan and lease loss provision to assets0.0278%3,295
Net operating income to assets1.0205%2,191
Return on assets (ROA)1.1018%1,993
Pretax return on assets1.5360%1,483
Return on Equity (ROE)10.5949%1,746
Retained earnings to average equity (ytd only)5.1364%2,852
Net charge-offs to loans0.0866%1,630
Credit loss provision to net charge-offs62.8205%1,959
Earnings coverage of net charge-offs (x)32.7692%1,133
Efficiency ratio57.0058%5,092
Assets per employee ($millions)6.5282%1,091
Cash dividends to net income (ytd only)*51.5198%1,694
Condition Ratios (%)
Loss allowance to loans1.3363%2,728
Loan loss allowance to noncurrent loans559.2765%920
Noncurrent assets plus other real estate owned to assets0.1216%5,095
Noncurrent loans to loans0.2389%4,575
Net loans and leases to total assets50.1925%4,788
Net loans and leases to deposits61.8045%4,591
Net loans and leases to core deposits62.9017%4,760
Total domestic deposits to total assets81.2116%4,426
Equity capital to assets10.5520%3,428
Core capital (leverage) ratio10.1121%3,412
Tier 1 risk-based capital ratio14.6918%3,292
Total risk-based capital ratio15.7507%3,332
Memoranda:
Average total assets$704,668,5001,019
Average earning assets$670,029,000993
Average equity$73,280,5001,084
Average total loans$360,467,0001,295
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1937%5,524
Cost of funding earning assets0.3113%4,123
Net interest margin2.8824%5,363
Noninterest income to average assets0.6340%2,541
Noninterest expense to average assets1.8671%5,656
Loan and lease loss provision to assets0.1426%1,665
Net operating income to assets0.9784%2,474
Return on assets (ROA)1.0136%2,372
Pretax return on assets1.4018%1,891
Return on Equity (ROE)10.1713%1,949
Retained earnings to average equity (ytd only)4.6794%2,657
Net charge-offs to loans-0.0003%4,813
Credit loss provision to net charge-offs-101,600.0000%5,794
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.6741%5,474
Assets per employee ($millions)6.3449%1,170
Cash dividends to net income (ytd only)*53.9942%2,074
Condition Ratios (%)
Loss allowance to loans1.3311%2,755
Loan loss allowance to noncurrent loans441.1711%1,160
Noncurrent assets plus other real estate owned to assets0.1552%4,971
Noncurrent loans to loans0.3017%4,378
Net loans and leases to total assets50.7516%4,803
Net loans and leases to deposits62.1492%4,623
Net loans and leases to core deposits63.3207%4,778
Total domestic deposits to total assets81.6609%4,279
Equity capital to assets10.2464%3,685
Core capital (leverage) ratio9.8901%3,658
Tier 1 risk-based capital ratio14.2374%3,587
Total risk-based capital ratio15.2777%3,627
Memoranda:
Average total assets$712,602,200973
Average earning assets$674,569,600946
Average equity$71,013,6001,074
Average total loans$349,857,4001,291
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1814%5,615
Cost of funding earning assets0.3172%4,139
Net interest margin2.8642%5,469
Noninterest income to average assets0.6365%2,546
Noninterest expense to average assets1.8441%5,717
Loan and lease loss provision to assets0.1795%1,165
Net operating income to assets0.9590%2,675
Return on assets (ROA)1.0057%2,535
Pretax return on assets1.3882%2,063
Return on Equity (ROE)10.1629%2,041
Retained earnings to average equity (ytd only)4.6959%3,132
Net charge-offs to loans-0.0015%4,680
Credit loss provision to net charge-offs-24,050.0000%5,761
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.2029%5,494
Assets per employee ($millions)6.6474%1,004
Cash dividends to net income (ytd only)*53.7934%1,710
Condition Ratios (%)
Loss allowance to loans1.3484%2,861
Loan loss allowance to noncurrent loans412.0035%1,222
Noncurrent assets plus other real estate owned to assets0.4237%4,078
Noncurrent loans to loans0.3273%4,435
Net loans and leases to total assets48.1741%5,065
Net loans and leases to deposits61.4702%4,760
Net loans and leases to core deposits62.5183%4,902
Total domestic deposits to total assets78.3699%5,118
Equity capital to assets9.9377%4,243
Core capital (leverage) ratio9.6444%4,117
Tier 1 risk-based capital ratio13.9887%3,854
Total risk-based capital ratio15.0148%3,925
Memoranda:
Average total assets$714,680,500979
Average earning assets$676,279,250953
Average equity$70,726,0001,085
Average total loans$346,756,7501,302
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1651%5,667
Cost of funding earning assets0.3310%4,040
Net interest margin2.8341%5,547
Noninterest income to average assets0.6312%2,577
Noninterest expense to average assets1.8789%5,745
Loan and lease loss provision to assets0.2542%677
Net operating income to assets0.8689%3,048
Return on assets (ROA)0.9281%2,862
Pretax return on assets1.2635%2,493
Return on Equity (ROE)9.3913%2,340
Retained earnings to average equity (ytd only)3.9858%3,479
Net charge-offs to loans0.0012%3,867
Credit loss provision to net charge-offs45,200.0000%6
Earnings coverage of net charge-offs (x)2,555.0000%18
Efficiency ratio55.7365%5,451
Assets per employee ($millions)6.5489%1,031
Cash dividends to net income (ytd only)*57.5583%1,623
Condition Ratios (%)
Loss allowance to loans1.3089%3,199
Loan loss allowance to noncurrent loans380.4365%1,314
Noncurrent assets plus other real estate owned to assets0.4777%4,022
Noncurrent loans to loans0.3441%4,454
Net loans and leases to total assets49.7085%4,959
Net loans and leases to deposits60.8441%4,787
Net loans and leases to core deposits61.8576%4,953
Total domestic deposits to total assets81.6981%4,389
Equity capital to assets9.8098%4,264
Core capital (leverage) ratio9.4042%4,409
Tier 1 risk-based capital ratio13.7530%4,064
Total risk-based capital ratio14.7689%4,144
Memoranda:
Average total assets$711,383,330980
Average earning assets$673,794,000959
Average equity$70,299,3301,097
Average total loans$344,400,0001,315
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0993%5,783
Cost of funding earning assets0.3422%3,962
Net interest margin2.7571%5,726
Noninterest income to average assets0.6111%2,589
Noninterest expense to average assets1.7917%5,914
Loan and lease loss provision to assets0.0360%3,178
Net operating income to assets1.0088%2,226
Return on assets (ROA)1.0088%2,363
Pretax return on assets1.3879%1,934
Return on Equity (ROE)10.1709%1,921
Retained earnings to average equity (ytd only)5.0599%3,021
Net charge-offs to loans0.0012%3,270
Credit loss provision to net charge-offs6,400.0000%58
Earnings coverage of net charge-offs (x)2,528.0000%13
Efficiency ratio54.7556%5,614
Assets per employee ($millions)6.5517%1,048
Cash dividends to net income (ytd only)*50.2513%1,729
Condition Ratios (%)
Loss allowance to loans1.1339%4,353
Loan loss allowance to noncurrent loans249.5484%1,862
Noncurrent assets plus other real estate owned to assets0.7221%3,331
Noncurrent loans to loans0.4544%4,221
Net loans and leases to total assets47.2261%5,110
Net loans and leases to deposits58.7719%4,854
Net loans and leases to core deposits59.9186%4,996
Total domestic deposits to total assets80.3549%4,974
Equity capital to assets10.0083%4,137
Core capital (leverage) ratio9.5167%4,250
Tier 1 risk-based capital ratio14.1831%3,891
Total risk-based capital ratio15.0609%4,066
Memoranda:
Average total assets$710,161,000976
Average earning assets$670,858,000958
Average equity$70,436,5001,094
Average total loans$336,830,5001,337
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1486%5,902
Cost of funding earning assets0.3545%4,206
Net interest margin2.7941%5,819
Noninterest income to average assets0.5400%3,237
Noninterest expense to average assets1.7024%6,151
Loan and lease loss provision to assets0.0167%4,275
Net operating income to assets1.0672%2,099
Return on assets (ROA)1.1443%1,860
Pretax return on assets1.5580%1,358
Return on Equity (ROE)11.1239%1,683
Retained earnings to average equity (ytd only)5.7766%2,078
Net charge-offs to loans0.0219%4,402
Credit loss provision to net charge-offs175.8065%1,382
Earnings coverage of net charge-offs (x)155.0806%349
Efficiency ratio53.3266%5,897
Assets per employee ($millions)6.3620%1,143
Cash dividends to net income (ytd only)*48.0705%2,389
Condition Ratios (%)
Loss allowance to loans1.1442%4,312
Loan loss allowance to noncurrent loans248.5304%1,913
Noncurrent assets plus other real estate owned to assets0.8723%3,030
Noncurrent loans to loans0.4604%4,269
Net loans and leases to total assets46.5500%5,283
Net loans and leases to deposits56.8529%5,132
Net loans and leases to core deposits57.9262%5,264
Total domestic deposits to total assets81.8780%4,464
Equity capital to assets9.8275%4,313
Core capital (leverage) ratio9.4121%4,366
Tier 1 risk-based capital ratio13.8654%4,198
Total risk-based capital ratio14.7304%4,366
Memoranda:
Average total assets$654,475,6001,025
Average earning assets$616,405,800992
Average equity$67,323,6001,098
Average total loans$282,728,2001,504
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1060%6,025
Cost of funding earning assets0.3662%4,173
Net interest margin2.7398%5,954
Noninterest income to average assets0.6557%2,547
Noninterest expense to average assets1.5558%6,319
Loan and lease loss provision to assets0.0075%4,270
Net operating income to assets1.2197%1,606
Return on assets (ROA)1.2197%1,668
Pretax return on assets1.6720%1,134
Return on Equity (ROE)11.7135%1,555
Retained earnings to average equity (ytd only)6.3248%2,202
Net charge-offs to loans0.0257%3,989
Credit loss provision to net charge-offs69.2308%2,776
Earnings coverage of net charge-offs (x)155.4075%401
Efficiency ratio47.9733%6,202
Assets per employee ($millions)6.1899%1,208
Cash dividends to net income (ytd only)*46.0044%2,042
Condition Ratios (%)
Loss allowance to loans1.2137%4,155
Loan loss allowance to noncurrent loans200.2140%2,157
Noncurrent assets plus other real estate owned to assets1.0952%2,764
Noncurrent loans to loans0.6062%4,112
Net loans and leases to total assets44.7332%5,478
Net loans and leases to deposits55.7427%5,258
Net loans and leases to core deposits56.9620%5,394
Total domestic deposits to total assets80.2494%5,033
Equity capital to assets10.1647%3,975
Core capital (leverage) ratio10.0861%3,549
Tier 1 risk-based capital ratio14.3461%3,990
Total risk-based capital ratio15.2304%4,169
Memoranda:
Average total assets$641,548,2501,057
Average earning assets$604,018,5001,029
Average equity$66,804,5001,108
Average total loans$270,276,7501,584
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1553%5,997
Cost of funding earning assets0.3762%4,148
Net interest margin2.7791%5,947
Noninterest income to average assets0.6750%2,403
Noninterest expense to average assets1.5133%6,411
Loan and lease loss provision to assets0.0016%4,179
Net operating income to assets1.2959%1,324
Return on assets (ROA)1.2959%1,373
Pretax return on assets1.7812%877
Return on Equity (ROE)12.3389%1,343
Retained earnings to average equity (ytd only)6.8846%1,820
Net charge-offs to loans0.0373%3,474
Credit loss provision to net charge-offs10.4167%3,300
Earnings coverage of net charge-offs (x)116.7083%498
Efficiency ratio45.9110%6,368
Assets per employee ($millions)6.8368%863
Cash dividends to net income (ytd only)*44.2043%2,190
Condition Ratios (%)
Loss allowance to loans1.4648%3,053
Loan loss allowance to noncurrent loans823.7251%604
Noncurrent assets plus other real estate owned to assets0.7504%3,717
Noncurrent loans to loans0.1778%5,480
Net loans and leases to total assets39.7308%5,841
Net loans and leases to deposits50.6269%5,589
Net loans and leases to core deposits51.7494%5,674
Total domestic deposits to total assets78.4777%5,554
Equity capital to assets10.8971%2,981
Core capital (leverage) ratio10.4322%3,038
Tier 1 risk-based capital ratio16.4638%2,845
Total risk-based capital ratio17.4521%2,929
Memoranda:
Average total assets$628,436,3301,073
Average earning assets$592,715,0001,041
Average equity$66,002,6701,109
Average total loans$257,594,6701,643
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1336%6,081
Cost of funding earning assets0.3786%4,213
Net interest margin2.7550%6,028
Noninterest income to average assets0.6291%2,576
Noninterest expense to average assets1.5276%6,472
Loan and lease loss provision to assets0.0019%3,801
Net operating income to assets1.2424%1,367
Return on assets (ROA)1.2424%1,425
Pretax return on assets1.6900%994
Return on Equity (ROE)12.0556%1,391
Retained earnings to average equity (ytd only)6.4943%2,283
Net charge-offs to loans0.0709%2,442
Credit loss provision to net charge-offs6.5217%2,640
Earnings coverage of net charge-offs (x)57.7609%672
Efficiency ratio47.4486%6,383
Assets per employee ($millions)6.8891%846
Cash dividends to net income (ytd only)*46.1302%1,809
Condition Ratios (%)
Loss allowance to loans1.4392%3,423
Loan loss allowance to noncurrent loans711.6858%693
Noncurrent assets plus other real estate owned to assets0.7650%3,825
Noncurrent loans to loans0.2022%5,484
Net loans and leases to total assets40.5811%5,769
Net loans and leases to deposits49.4589%5,634
Net loans and leases to core deposits50.5585%5,723
Total domestic deposits to total assets82.0502%4,929
Equity capital to assets10.5112%3,237
Core capital (leverage) ratio10.1078%3,418
Tier 1 risk-based capital ratio15.8500%3,246
Total risk-based capital ratio16.8195%3,365
Memoranda:
Average total assets$628,162,0001,084
Average earning assets$590,626,0001,056
Average equity$64,733,5001,128
Average total loans$259,584,0001,638
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0149%6,329
Cost of funding earning assets0.4040%4,604
Net interest margin2.6109%6,251
Noninterest income to average assets0.6153%2,995
Noninterest expense to average assets1.5861%6,520
Loan and lease loss provision to assets0.0590%3,959
Net operating income to assets1.0698%2,037
Return on assets (ROA)1.1603%1,777
Pretax return on assets1.5434%1,317
Return on Equity (ROE)11.2762%1,674
Retained earnings to average equity (ytd only)6.2645%1,813
Net charge-offs to loans-0.0145%6,083
Credit loss provision to net charge-offs-1,045.7143%6,232
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.7020%6,314
Assets per employee ($millions)6.5564%964
Cash dividends to net income (ytd only)*44.4444%2,584
Condition Ratios (%)
Loss allowance to loans1.4396%3,467
Loan loss allowance to noncurrent loans326.2153%1,371
Noncurrent assets plus other real estate owned to assets0.8621%3,733
Noncurrent loans to loans0.4413%4,900
Net loans and leases to total assets40.8774%5,901
Net loans and leases to deposits49.0685%5,827
Net loans and leases to core deposits50.2901%5,915
Total domestic deposits to total assets83.3069%4,426
Equity capital to assets10.1000%3,640
Core capital (leverage) ratio10.0563%3,491
Tier 1 risk-based capital ratio15.4207%3,423
Total risk-based capital ratio16.3786%3,537
Memoranda:
Average total assets$620,512,8001,074
Average earning assets$582,867,4001,050
Average equity$63,851,4001,121
Average total loans$241,930,2001,710
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0001%6,422
Cost of funding earning assets0.4071%4,764
Net interest margin2.5930%6,321
Noninterest income to average assets0.6342%2,962
Noninterest expense to average assets1.5902%6,566
Loan and lease loss provision to assets0.0019%4,917
Net operating income to assets1.1108%1,968
Return on assets (ROA)1.1757%1,788
Pretax return on assets1.5628%1,436
Return on Equity (ROE)11.3720%1,690
Retained earnings to average equity (ytd only)6.3660%2,202
Net charge-offs to loans0.0051%5,082
Credit loss provision to net charge-offs100.0000%2,333
Earnings coverage of net charge-offs (x)761.6475%67
Efficiency ratio51.8237%6,266
Assets per employee ($millions)6.5314%921
Cash dividends to net income (ytd only)*44.0206%2,124
Condition Ratios (%)
Loss allowance to loans1.3637%4,060
Loan loss allowance to noncurrent loans249.1463%1,630
Noncurrent assets plus other real estate owned to assets0.9369%3,796
Noncurrent loans to loans0.5473%4,829
Net loans and leases to total assets39.9624%6,034
Net loans and leases to deposits49.9055%5,840
Net loans and leases to core deposits51.2867%5,932
Total domestic deposits to total assets80.0761%5,489
Equity capital to assets10.4394%3,354
Core capital (leverage) ratio10.2926%3,254
Tier 1 risk-based capital ratio15.7237%3,336
Total risk-based capital ratio16.6000%3,492
Memoranda:
Average total assets$618,287,5001,087
Average earning assets$580,419,0001,058
Average equity$63,921,5001,139
Average total loans$237,151,2501,749
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9371%6,501
Cost of funding earning assets0.4071%4,874
Net interest margin2.5300%6,414
Noninterest income to average assets0.6422%2,952
Noninterest expense to average assets1.5932%6,594
Loan and lease loss provision to assets0.0013%4,771
Net operating income to assets1.0802%1,997
Return on assets (ROA)1.1394%1,894
Pretax return on assets1.5021%1,611
Return on Equity (ROE)11.0560%1,796
Retained earnings to average equity (ytd only)6.0632%2,397
Net charge-offs to loans0.0137%4,577
Credit loss provision to net charge-offs25.0000%3,662
Earnings coverage of net charge-offs (x)277.0625%183
Efficiency ratio52.7751%6,235
Assets per employee ($millions)6.6284%854
Cash dividends to net income (ytd only)*45.1595%2,053
Condition Ratios (%)
Loss allowance to loans1.4196%3,945
Loan loss allowance to noncurrent loans97.0674%3,533
Noncurrent assets plus other real estate owned to assets1.2634%3,236
Noncurrent loans to loans1.4624%3,115
Net loans and leases to total assets37.6601%6,197
Net loans and leases to deposits44.8115%6,177
Net loans and leases to core deposits46.0172%6,234
Total domestic deposits to total assets84.0412%4,297
Equity capital to assets9.8914%4,066
Core capital (leverage) ratio9.7766%3,826
Tier 1 risk-based capital ratio15.4501%3,508
Total risk-based capital ratio16.3281%3,692
Memoranda:
Average total assets$621,909,6701,078
Average earning assets$584,182,3301,057
Average equity$64,091,6701,138
Average total loans$234,169,6701,760
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9487%6,567
Cost of funding earning assets0.4055%5,045
Net interest margin2.5432%6,449
Noninterest income to average assets0.6493%2,879
Noninterest expense to average assets1.4748%6,764
Loan and lease loss provision to assets0.0019%4,395
Net operating income to assets1.1693%1,613
Return on assets (ROA)1.1693%1,723
Pretax return on assets1.5503%1,423
Return on Equity (ROE)11.1257%1,670
Retained earnings to average equity (ytd only)6.2513%2,539
Net charge-offs to loans0.0017%4,132
Credit loss provision to net charge-offs300.0000%789
Earnings coverage of net charge-offs (x)2,424.0000%3
Efficiency ratio48.7201%6,578
Assets per employee ($millions)6.9552%782
Cash dividends to net income (ytd only)*43.8116%1,735
Condition Ratios (%)
Loss allowance to loans1.3976%4,247
Loan loss allowance to noncurrent loans89.9304%3,634
Noncurrent assets plus other real estate owned to assets1.3207%3,317
Noncurrent loans to loans1.5541%3,213
Net loans and leases to total assets37.4307%6,189
Net loans and leases to deposits45.5436%6,083
Net loans and leases to core deposits47.0768%6,149
Total domestic deposits to total assets82.1866%5,131
Equity capital to assets10.4091%3,654
Core capital (leverage) ratio9.9422%3,469
Tier 1 risk-based capital ratio12.9087%5,297
Total risk-based capital ratio13.6528%5,585
Memoranda:
Average total assets$624,642,0001,088
Average earning assets$583,994,5001,061
Average equity$65,650,0001,125
Average total loans$233,506,0001,772
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1965%6,662
Cost of funding earning assets0.4721%5,407
Net interest margin2.7244%6,486
Noninterest income to average assets0.6855%2,795
Noninterest expense to average assets1.6578%6,758
Loan and lease loss provision to assets0.0012%5,898
Net operating income to assets1.1961%1,617
Return on assets (ROA)1.2331%1,664
Pretax return on assets1.6196%1,333
Return on Equity (ROE)11.2622%1,724
Retained earnings to average equity (ytd only)5.3125%2,495
Net charge-offs to loans0.0134%5,730
Credit loss provision to net charge-offs24.1379%5,223
Earnings coverage of net charge-offs (x)316.2414%126
Efficiency ratio51.3268%6,501
Assets per employee ($millions)6.5570%979
Cash dividends to net income (ytd only)*52.8291%2,180
Condition Ratios (%)
Loss allowance to loans1.4801%3,828
Loan loss allowance to noncurrent loans87.7845%3,669
Noncurrent assets plus other real estate owned to assets1.3734%3,339
Noncurrent loans to loans1.6860%3,092
Net loans and leases to total assets36.2434%6,415
Net loans and leases to deposits43.2794%6,408
Net loans and leases to core deposits44.8177%6,426
Total domestic deposits to total assets83.7429%4,420
Equity capital to assets10.6136%3,384
Core capital (leverage) ratio10.3177%2,992
Tier 1 risk-based capital ratio13.2031%4,963
Total risk-based capital ratio13.9769%5,246
Memoranda:
Average total assets$583,348,2001,134
Average earning assets$544,813,0001,110
Average equity$63,868,4001,108
Average total loans$216,814,6001,866
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2663%6,750
Cost of funding earning assets0.4866%5,529
Net interest margin2.7797%6,529
Noninterest income to average assets0.6904%2,752
Noninterest expense to average assets1.6843%6,802
Loan and lease loss provision to assets0.0014%5,783
Net operating income to assets1.2230%1,661
Return on assets (ROA)1.2733%1,660
Pretax return on assets1.6746%1,346
Return on Equity (ROE)11.5349%1,785
Retained earnings to average equity (ytd only)5.0239%3,347
Net charge-offs to loans0.0162%5,463
Credit loss provision to net charge-offs23.0769%4,905
Earnings coverage of net charge-offs (x)267.0447%172
Efficiency ratio51.1296%6,513
Assets per employee ($millions)6.2398%1,105
Cash dividends to net income (ytd only)*56.4458%1,415
Condition Ratios (%)
Loss allowance to loans1.5326%3,807
Loan loss allowance to noncurrent loans85.4416%3,671
Noncurrent assets plus other real estate owned to assets1.5360%3,277
Noncurrent loans to loans1.7938%3,082
Net loans and leases to total assets37.9837%6,416
Net loans and leases to deposits47.1199%6,309
Net loans and leases to core deposits48.9532%6,355
Total domestic deposits to total assets80.6107%5,482
Equity capital to assets11.5332%2,714
Core capital (leverage) ratio10.3525%3,100
Tier 1 risk-based capital ratio13.4955%4,881
Total risk-based capital ratio14.3001%5,164
Memoranda:
Average total assets$575,095,2501,167
Average earning assets$538,703,0001,138
Average equity$63,481,0001,128
Average total loans$214,331,7501,908
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2812%6,826
Cost of funding earning assets0.4924%5,670
Net interest margin2.7888%6,599
Noninterest income to average assets0.6860%2,741
Noninterest expense to average assets1.7277%6,819
Loan and lease loss provision to assets0.0007%5,616
Net operating income to assets1.2060%1,691
Return on assets (ROA)1.2505%1,732
Pretax return on assets1.6363%1,430
Return on Equity (ROE)11.4978%1,827
Retained earnings to average equity (ytd only)3.8560%4,048
Net charge-offs to loans0.0197%5,134
Credit loss provision to net charge-offs9.5238%4,747
Earnings coverage of net charge-offs (x)217.0476%201
Efficiency ratio52.2573%6,477
Assets per employee ($millions)6.0933%1,173
Cash dividends to net income (ytd only)*66.4636%1,182
Condition Ratios (%)
Loss allowance to loans1.5588%3,749
Loan loss allowance to noncurrent loans80.4311%3,778
Noncurrent assets plus other real estate owned to assets1.5492%3,378
Noncurrent loans to loans1.9381%3,013
Net loans and leases to total assets36.6343%6,572
Net loans and leases to deposits45.0165%6,504
Net loans and leases to core deposits46.7119%6,532
Total domestic deposits to total assets81.3797%5,338
Equity capital to assets11.0000%3,115
Core capital (leverage) ratio9.9413%3,496
Tier 1 risk-based capital ratio13.1515%5,077
Total risk-based capital ratio13.9521%5,385
Memoranda:
Average total assets$577,519,3301,166
Average earning assets$542,600,0001,127
Average equity$62,812,0001,132
Average total loans$212,763,3301,922
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2862%6,900
Cost of funding earning assets0.5007%5,817
Net interest margin2.7855%6,660
Noninterest income to average assets0.6761%2,773
Noninterest expense to average assets1.7010%6,899
Loan and lease loss provision to assets0.0007%5,250
Net operating income to assets1.2032%1,723
Return on assets (ROA)1.2870%1,661
Pretax return on assets1.7003%1,300
Return on Equity (ROE)11.9012%1,700
Retained earnings to average equity (ytd only)7.4126%2,224
Net charge-offs to loans0.0189%4,426
Credit loss provision to net charge-offs10.0000%3,905
Earnings coverage of net charge-offs (x)229.4000%154
Efficiency ratio51.6747%6,571
Assets per employee ($millions)6.4450%1,011
Cash dividends to net income (ytd only)*37.7155%1,832
Condition Ratios (%)
Loss allowance to loans1.5608%3,887
Loan loss allowance to noncurrent loans74.8833%3,850
Noncurrent assets plus other real estate owned to assets1.7067%3,298
Noncurrent loans to loans2.0844%3,049
Net loans and leases to total assets35.8343%6,632
Net loans and leases to deposits43.9918%6,561
Net loans and leases to core deposits46.2034%6,553
Total domestic deposits to total assets81.4567%5,479
Equity capital to assets10.6283%3,351
Core capital (leverage) ratio9.9723%3,392
Tier 1 risk-based capital ratio12.9200%5,268
Total risk-based capital ratio13.7098%5,602
Memoranda:
Average total assets$576,848,0001,168
Average earning assets$541,665,5001,127
Average equity$62,380,5001,138
Average total loans$211,435,0001,936
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6084%6,929
Cost of funding earning assets0.5905%6,130
Net interest margin3.0179%6,502
Noninterest income to average assets0.6999%2,606
Noninterest expense to average assets1.7479%7,013
Loan and lease loss provision to assets0.0331%6,151
Net operating income to assets1.3206%1,195
Return on assets (ROA)1.3960%1,122
Pretax return on assets1.8437%741
Return on Equity (ROE)13.0740%1,143
Retained earnings to average equity (ytd only)9.5955%650
Net charge-offs to loans0.0284%6,040
Credit loss provision to net charge-offs317.8571%736
Earnings coverage of net charge-offs (x)170.9286%199
Efficiency ratio49.5786%6,861
Assets per employee ($millions)5.9655%1,254
Cash dividends to net income (ytd only)*26.6064%3,256
Condition Ratios (%)
Loss allowance to loans1.6317%3,458
Loan loss allowance to noncurrent loans75.6890%3,827
Noncurrent assets plus other real estate owned to assets1.7730%3,294
Noncurrent loans to loans2.1558%3,002
Net loans and leases to total assets36.3165%6,746
Net loans and leases to deposits44.1337%6,716
Net loans and leases to core deposits47.1672%6,685
Total domestic deposits to total assets82.2876%5,033
Equity capital to assets11.0104%2,972
Core capital (leverage) ratio10.2469%3,035
Tier 1 risk-based capital ratio13.5137%4,684
Total risk-based capital ratio14.3590%4,958
Memoranda:
Average total assets$538,474,8001,234
Average earning assets$504,162,8001,202
Average equity$57,495,8001,184
Average total loans$197,123,6002,066
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6482%6,980
Cost of funding earning assets0.6093%6,248
Net interest margin3.0389%6,510
Noninterest income to average assets0.7103%2,539
Noninterest expense to average assets1.7909%7,007
Loan and lease loss provision to assets0.0015%6,387
Net operating income to assets1.3207%1,322
Return on assets (ROA)1.4209%1,186
Pretax return on assets1.8977%783
Return on Equity (ROE)13.4170%1,178
Retained earnings to average equity (ytd only)9.8731%880
Net charge-offs to loans0.0390%5,603
Credit loss provision to net charge-offs10.5263%5,657
Earnings coverage of net charge-offs (x)123.8039%298
Efficiency ratio50.3553%6,808
Assets per employee ($millions)5.8308%1,322
Cash dividends to net income (ytd only)*26.4131%2,648
Condition Ratios (%)
Loss allowance to loans1.6003%3,666
Loan loss allowance to noncurrent loans117.1784%2,553
Noncurrent assets plus other real estate owned to assets1.5193%3,826
Noncurrent loans to loans1.3657%4,258
Net loans and leases to total assets35.9661%6,870
Net loans and leases to deposits44.1887%6,823
Net loans and leases to core deposits46.7247%6,816
Total domestic deposits to total assets81.3921%5,297
Equity capital to assets11.0976%3,050
Core capital (leverage) ratio10.3255%3,063
Tier 1 risk-based capital ratio13.7433%4,545
Total risk-based capital ratio14.5794%4,834
Memoranda:
Average total assets$532,905,2501,251
Average earning assets$499,118,2501,218
Average equity$56,434,5001,200
Average total loans$194,648,5002,117
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6226%7,083
Cost of funding earning assets0.6169%6,377
Net interest margin3.0056%6,596
Noninterest income to average assets0.7112%2,489
Noninterest expense to average assets1.7782%7,105
Loan and lease loss provision to assets0.0015%6,211
Net operating income to assets1.3239%1,260
Return on assets (ROA)1.4307%1,079
Pretax return on assets1.8926%722
Return on Equity (ROE)13.7382%1,034
Retained earnings to average equity (ytd only)10.0999%824
Net charge-offs to loans0.0560%5,089
Credit loss provision to net charge-offs7.4074%5,272
Earnings coverage of net charge-offs (x)85.7037%407
Efficiency ratio50.3487%6,914
Assets per employee ($millions)5.8581%1,262
Cash dividends to net income (ytd only)*26.4831%2,610
Condition Ratios (%)
Loss allowance to loans1.6299%3,581
Loan loss allowance to noncurrent loans110.3579%2,615
Noncurrent assets plus other real estate owned to assets1.6187%3,765
Noncurrent loans to loans1.4769%4,209
Net loans and leases to total assets36.3088%6,944
Net loans and leases to deposits45.2632%6,866
Net loans and leases to core deposits47.7916%6,862
Total domestic deposits to total assets80.2170%5,764
Equity capital to assets10.9254%3,031
Core capital (leverage) ratio9.9284%3,351
Tier 1 risk-based capital ratio13.4349%4,577
Total risk-based capital ratio14.2742%4,879
Memoranda:
Average total assets$527,843,3301,269
Average earning assets$495,340,6701,231
Average equity$54,971,0001,223
Average total loans$192,753,6702,158
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5092%7,204
Cost of funding earning assets0.6190%6,528
Net interest margin2.8903%6,775
Noninterest income to average assets0.6572%2,795
Noninterest expense to average assets1.7532%7,184
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.2305%1,454
Return on assets (ROA)1.3747%1,155
Pretax return on assets1.8034%813
Return on Equity (ROE)13.5370%1,081
Retained earnings to average equity (ytd only)9.7871%1,161
Net charge-offs to loans0.0021%5,098
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)2,119.0000%4
Efficiency ratio52.0697%6,848
Assets per employee ($millions)5.7674%1,361
Cash dividends to net income (ytd only)*27.7008%2,052
Condition Ratios (%)
Loss allowance to loans1.7032%3,334
Loan loss allowance to noncurrent loans75.3996%3,704
Noncurrent assets plus other real estate owned to assets1.9338%3,391
Noncurrent loans to loans2.2589%3,242
Net loans and leases to total assets35.4043%7,027
Net loans and leases to deposits44.0015%6,956
Net loans and leases to core deposits46.4339%6,954
Total domestic deposits to total assets80.4615%5,824
Equity capital to assets10.2391%3,484
Core capital (leverage) ratio9.7373%3,476
Tier 1 risk-based capital ratio13.2280%4,638
Total risk-based capital ratio14.0901%4,924
Memoranda:
Average total assets$525,220,5001,290
Average earning assets$492,413,0001,248
Average equity$53,335,5001,257
Average total loans$190,748,0002,193
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7779%7,265
Cost of funding earning assets0.7255%6,804
Net interest margin3.0525%6,633
Noninterest income to average assets0.7524%2,529
Noninterest expense to average assets1.7429%7,313
Loan and lease loss provision to assets0.0443%6,719
Net operating income to assets1.3455%1,065
Return on assets (ROA)1.4163%984
Pretax return on assets1.8965%616
Return on Equity (ROE)13.7095%945
Retained earnings to average equity (ytd only)12.7116%227
Net charge-offs to loans0.0450%6,356
Credit loss provision to net charge-offs262.1951%1,073
Earnings coverage of net charge-offs (x)109.2073%230
Efficiency ratio48.5581%7,233
Assets per employee ($millions)5.7760%1,376
Cash dividends to net income (ytd only)*7.2791%3,823
Condition Ratios (%)
Loss allowance to loans1.7102%3,179
Loan loss allowance to noncurrent loans71.1072%3,880
Noncurrent assets plus other real estate owned to assets2.0243%3,321
Noncurrent loans to loans2.4051%3,109
Net loans and leases to total assets35.9975%7,153
Net loans and leases to deposits44.6933%7,091
Net loans and leases to core deposits47.2744%7,106
Total domestic deposits to total assets80.5435%5,670
Equity capital to assets10.0689%3,661
Core capital (leverage) ratio10.0316%3,059
Tier 1 risk-based capital ratio13.1077%4,516
Total risk-based capital ratio13.9843%4,807
Memoranda:
Average total assets$485,002,8001,381
Average earning assets$450,749,8001,354
Average equity$50,104,0001,335
Average total loans$182,261,0002,329
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8683%7,366
Cost of funding earning assets0.7485%6,918
Net interest margin3.1198%6,566
Noninterest income to average assets0.7807%2,318
Noninterest expense to average assets1.7611%7,380
Loan and lease loss provision to assets0.0588%6,481
Net operating income to assets1.3723%1,163
Return on assets (ROA)1.4632%1,071
Pretax return on assets1.9749%651
Return on Equity (ROE)14.0665%1,018
Retained earnings to average equity (ytd only)14.0665%268
Net charge-offs to loans0.0570%5,947
Credit loss provision to net charge-offs272.7273%1,201
Earnings coverage of net charge-offs (x)88.6529%348
Efficiency ratio47.9607%7,273
Assets per employee ($millions)5.1345%2,016
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.8569%2,605
Loan loss allowance to noncurrent loans70.0215%3,815
Noncurrent assets plus other real estate owned to assets2.2656%3,123
Noncurrent loans to loans2.6520%2,979
Net loans and leases to total assets36.4303%7,247
Net loans and leases to deposits45.8447%7,179
Net loans and leases to core deposits48.1645%7,196
Total domestic deposits to total assets79.4646%5,879
Equity capital to assets11.3464%2,666
Core capital (leverage) ratio10.3544%2,853
Tier 1 risk-based capital ratio14.3209%3,618
Total risk-based capital ratio15.3009%3,769
Memoranda:
Average total assets$476,294,5001,424
Average earning assets$441,383,5001,394
Average equity$49,544,5001,358
Average total loans$180,230,2502,392
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8663%7,452
Cost of funding earning assets0.7634%7,023
Net interest margin3.1030%6,605
Noninterest income to average assets0.7575%2,340
Noninterest expense to average assets1.7734%7,419
Loan and lease loss provision to assets0.0867%6,058
Net operating income to assets1.3008%1,304
Return on assets (ROA)1.4372%1,087
Pretax return on assets1.9447%680
Return on Equity (ROE)14.2425%988
Retained earnings to average equity (ytd only)14.2425%297
Net charge-offs to loans0.0297%5,923
Credit loss provision to net charge-offs766.6667%482
Earnings coverage of net charge-offs (x)163.3704%216
Efficiency ratio48.9822%7,289
Assets per employee ($millions)5.0190%2,163
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.8012%2,711
Loan loss allowance to noncurrent loans59.1511%4,396
Noncurrent assets plus other real estate owned to assets2.4184%2,972
Noncurrent loans to loans3.0450%2,646
Net loans and leases to total assets36.9886%7,324
Net loans and leases to deposits45.8045%7,255
Net loans and leases to core deposits47.6848%7,294
Total domestic deposits to total assets80.7533%5,492
Equity capital to assets10.4154%3,513
Core capital (leverage) ratio9.9075%3,273
Tier 1 risk-based capital ratio13.5814%4,015
Total risk-based capital ratio14.5594%4,162
Memoranda:
Average total assets$477,602,6701,434
Average earning assets$440,676,0001,408
Average equity$48,193,6701,390
Average total loans$181,859,6702,406
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9385%7,501
Cost of funding earning assets0.7932%7,108
Net interest margin3.1452%6,472
Noninterest income to average assets0.7687%2,184
Noninterest expense to average assets1.7379%7,537
Loan and lease loss provision to assets0.0863%5,780
Net operating income to assets1.3209%1,254
Return on assets (ROA)1.5882%824
Pretax return on assets2.1997%421
Return on Equity (ROE)16.0044%719
Retained earnings to average equity (ytd only)16.0044%342
Net charge-offs to loans0.0508%4,897
Credit loss provision to net charge-offs443.4783%946
Earnings coverage of net charge-offs (x)98.4348%325
Efficiency ratio47.5805%7,472
Assets per employee ($millions)4.7472%2,574
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.7785%2,796
Loan loss allowance to noncurrent loans58.1623%4,466
Noncurrent assets plus other real estate owned to assets2.4671%2,940
Noncurrent loans to loans3.0578%2,618
Net loans and leases to total assets37.2634%7,377
Net loans and leases to deposits46.7392%7,294
Net loans and leases to core deposits48.2458%7,350
Total domestic deposits to total assets79.7263%5,879
Equity capital to assets10.1186%3,723
Core capital (leverage) ratio9.8264%3,373
Tier 1 risk-based capital ratio13.5707%3,945
Total risk-based capital ratio14.5426%4,077
Memoranda:
Average total assets$472,980,5001,481
Average earning assets$433,670,5001,469
Average equity$46,937,0001,434
Average total loans$181,099,0002,477
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3308%7,536
Cost of funding earning assets1.0551%7,087
Net interest margin3.2758%5,836
Noninterest income to average assets0.1627%6,912
Noninterest expense to average assets1.9250%7,464
Loan and lease loss provision to assets0.0029%7,418
Net operating income to assets0.9652%1,961
Return on assets (ROA)1.1787%1,347
Pretax return on assets1.5149%1,152
Return on Equity (ROE)12.5493%1,045
Retained earnings to average equity (ytd only)12.5493%178
Net charge-offs to loans0.0622%6,483
Credit loss provision to net charge-offs10.7438%6,970
Earnings coverage of net charge-offs (x)46.3058%553
Efficiency ratio60.7441%6,367
Assets per employee ($millions)5.0132%2,198
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.7150%2,852
Loan loss allowance to noncurrent loans46.1709%5,313
Noncurrent assets plus other real estate owned to assets2.6670%2,629
Noncurrent loans to loans3.7145%2,026
Net loans and leases to total assets37.9796%7,450
Net loans and leases to deposits47.2509%7,382
Net loans and leases to core deposits50.5693%7,575
Total domestic deposits to total assets80.3785%5,559
Equity capital to assets9.7273%4,108
Core capital (leverage) ratio9.5357%3,676
Tier 1 risk-based capital ratio12.8364%4,257
Total risk-based capital ratio13.7719%4,451
Memoranda:
Average total assets$450,395,8001,537
Average earning assets$413,340,0001,531
Average equity$42,305,2001,579
Average total loans$194,621,6002,344
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4557%7,558
Cost of funding earning assets1.1205%7,134
Net interest margin3.3351%5,506
Noninterest income to average assets0.7814%2,537
Noninterest expense to average assets2.4073%6,393
Loan and lease loss provision to assets0.0030%7,275
Net operating income to assets1.0985%1,737
Return on assets (ROA)1.2989%1,298
Pretax return on assets1.6879%997
Return on Equity (ROE)13.9601%942
Retained earnings to average equity (ytd only)13.9601%197
Net charge-offs to loans0.0458%6,267
Credit loss provision to net charge-offs14.7059%6,599
Earnings coverage of net charge-offs (x)70.2534%480
Efficiency ratio62.7234%5,977
Assets per employee ($millions)4.5207%2,832
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.7229%2,537
Loan loss allowance to noncurrent loans39.9346%5,683
Noncurrent assets plus other real estate owned to assets3.7028%1,756
Noncurrent loans to loans4.3144%1,656
Net loans and leases to total assets41.2864%7,400
Net loans and leases to deposits52.5077%7,281
Net loans and leases to core deposits57.0242%7,508
Total domestic deposits to total assets78.6292%5,920
Equity capital to assets10.4565%3,559
Core capital (leverage) ratio9.7116%3,627
Tier 1 risk-based capital ratio13.2804%3,997
Total risk-based capital ratio14.2963%4,095
Memoranda:
Average total assets$445,184,0001,570
Average earning assets$408,007,7501,569
Average equity$41,421,7501,638
Average total loans$197,752,2502,343
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5138%7,616
Cost of funding earning assets1.1757%7,178
Net interest margin3.3380%5,409
Noninterest income to average assets0.7724%2,571
Noninterest expense to average assets2.4228%6,391
Loan and lease loss provision to assets0.0018%7,150
Net operating income to assets1.1165%1,718
Return on assets (ROA)1.1564%1,675
Pretax return on assets1.4671%1,540
Return on Equity (ROE)12.9529%1,193
Retained earnings to average equity (ytd only)12.9529%339
Net charge-offs to loans0.0732%5,481
Credit loss provision to net charge-offs5.4054%6,217
Earnings coverage of net charge-offs (x)42.8784%772
Efficiency ratio63.0746%6,077
Assets per employee ($millions)4.5679%2,665
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.6315%2,608
Loan loss allowance to noncurrent loans56.2734%4,655
Noncurrent assets plus other real estate owned to assets2.8967%2,208
Noncurrent loans to loans2.8993%2,487
Net loans and leases to total assets42.5868%7,412
Net loans and leases to deposits52.2224%7,371
Net loans and leases to core deposits56.4897%7,575
Total domestic deposits to total assets81.5490%4,879
Equity capital to assets9.4095%4,733
Core capital (leverage) ratio9.0894%4,485
Tier 1 risk-based capital ratio12.0303%4,893
Total risk-based capital ratio12.9846%5,084
Memoranda:
Average total assets$447,408,6701,584
Average earning assets$411,319,3301,583
Average equity$39,944,6701,702
Average total loans$202,263,3302,325
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6461%7,577
Cost of funding earning assets1.2705%7,114
Net interest margin3.3756%5,230
Noninterest income to average assets0.7521%2,587
Noninterest expense to average assets2.2330%6,746
Loan and lease loss provision to assets0.0036%6,734
Net operating income to assets1.2974%1,389
Return on assets (ROA)1.1134%2,036
Pretax return on assets1.3772%2,034
Return on Equity (ROE)12.8166%1,434
Retained earnings to average equity (ytd only)12.8166%665
Net charge-offs to loans0.0097%5,513
Credit loss provision to net charge-offs80.0000%4,190
Earnings coverage of net charge-offs (x)359.6000%99
Efficiency ratio58.1374%6,683
Assets per employee ($millions)4.7804%2,319
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.5922%2,554
Loan loss allowance to noncurrent loans68.9060%4,137
Noncurrent assets plus other real estate owned to assets2.8249%2,012
Noncurrent loans to loans2.3108%2,844
Net loans and leases to total assets44.4389%7,305
Net loans and leases to deposits54.0601%7,284
Net loans and leases to core deposits58.6045%7,511
Total domestic deposits to total assets82.2026%4,469
Equity capital to assets8.8715%5,524
Core capital (leverage) ratio9.0163%4,684
Tier 1 risk-based capital ratio11.6099%5,291
Total risk-based capital ratio12.5966%5,459
Memoranda:
Average total assets$447,285,5001,586
Average earning assets$409,291,5001,590
Average equity$38,856,0001,747
Average total loans$206,493,0002,304
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4454%7,402
Cost of funding earning assets1.8960%6,736
Net interest margin3.5494%5,100
Noninterest income to average assets0.7406%2,838
Noninterest expense to average assets1.8680%7,666
Loan and lease loss provision to assets0.1721%5,183
Net operating income to assets2.0703%307
Return on assets (ROA)0.2712%5,456
Pretax return on assets0.1315%5,879
Return on Equity (ROE)3.0930%5,198
Retained earnings to average equity (ytd only)-9.8692%7,063
Net charge-offs to loans0.0997%5,318
Credit loss provision to net charge-offs350.4464%1,289
Earnings coverage of net charge-offs (x)42.8170%863
Efficiency ratio47.0432%7,870
Assets per employee ($millions)4.6376%2,424
Cash dividends to net income (ytd only)*419.0784%124
Condition Ratios (%)
Loss allowance to loans1.5386%2,509
Loan loss allowance to noncurrent loans92.8469%3,669
Noncurrent assets plus other real estate owned to assets2.6518%1,805
Noncurrent loans to loans1.6571%3,283
Net loans and leases to total assets46.4572%7,285
Net loans and leases to deposits57.0741%7,259
Net loans and leases to core deposits62.8553%7,480
Total domestic deposits to total assets81.3981%4,464
Equity capital to assets8.5009%6,080
Core capital (leverage) ratio8.8856%4,916
Tier 1 risk-based capital ratio11.3570%5,376
Total risk-based capital ratio12.3592%5,517
Memoranda:
Average total assets$456,114,2001,503
Average earning assets$415,087,0001,509
Average equity$39,993,0001,683
Average total loans$224,594,2002,087