Home > First National Bank of Eastern Arkansas > Performance and Condition Ratios

First National Bank of Eastern Arkansas, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9247%4,011
Cost of funding earning assets0.1536%3,934
Net interest margin2.7711%3,729
Noninterest income to average assets0.4126%2,987
Noninterest expense to average assets2.0745%3,455
Loan and lease loss provision to assets0.0676%1,718
Net operating income to assets0.8861%3,096
Return on assets (ROA)0.9074%3,075
Pretax return on assets0.9074%3,494
Return on Equity (ROE)9.7458%2,624
Retained earnings to average equity (ytd only)5.8281%2,431
Net charge-offs to loans0.1165%774
Credit loss provision to net charge-offs124.5675%1,624
Earnings coverage of net charge-offs (x)17.5709%1,938
Efficiency ratio68.5046%1,921
Assets per employee ($millions)5.1691%3,579
Cash dividends to net income (ytd only)*40.1987%2,025
Condition Ratios (%)
Loss allowance to loans1.5085%1,517
Loan loss allowance to noncurrent loans435.7809%1,592
Noncurrent assets plus other real estate owned to assets0.1581%2,838
Noncurrent loans to loans0.3462%2,339
Net loans and leases to total assets44.9788%3,768
Net loans and leases to deposits49.8472%3,896
Net loans and leases to core deposits53.5310%3,791
Total domestic deposits to total assets90.2335%853
Equity capital to assets9.2812%3,338
Core capital (leverage) ratio9.2379%3,126
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$532,417,2001,617
Average earning assets$502,549,0001,600
Average equity$49,570,0001,785
Average total loans$248,046,2001,941
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9131%4,150
Cost of funding earning assets0.1566%4,050
Net interest margin2.7565%3,875
Noninterest income to average assets0.4046%3,060
Noninterest expense to average assets2.0761%3,433
Loan and lease loss provision to assets0.0679%1,645
Net operating income to assets0.8571%3,364
Return on assets (ROA)0.8785%3,383
Pretax return on assets0.8785%3,743
Return on Equity (ROE)9.4281%2,955
Retained earnings to average equity (ytd only)4.1834%3,520
Net charge-offs to loans0.1322%610
Credit loss provision to net charge-offs109.7561%1,520
Earnings coverage of net charge-offs (x)14.9431%1,882
Efficiency ratio69.1766%1,688
Assets per employee ($millions)4.7561%3,922
Cash dividends to net income (ytd only)*55.6288%977
Condition Ratios (%)
Loss allowance to loans1.2876%2,553
Loan loss allowance to noncurrent loans394.0235%1,629
Noncurrent assets plus other real estate owned to assets0.1743%2,954
Noncurrent loans to loans0.3268%2,613
Net loans and leases to total assets52.6652%3,121
Net loans and leases to deposits58.3574%3,374
Net loans and leases to core deposits62.1587%3,302
Total domestic deposits to total assets90.2461%660
Equity capital to assets9.3245%3,535
Core capital (leverage) ratio9.4216%3,093
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$529,833,2501,635
Average earning assets$499,065,7501,618
Average equity$49,369,0001,806
Average total loans$248,092,0001,968
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7873%4,361
Cost of funding earning assets0.1610%4,114
Net interest margin2.6264%4,123
Noninterest income to average assets0.4002%3,108
Noninterest expense to average assets2.0656%3,504
Loan and lease loss provision to assets0.0683%1,686
Net operating income to assets0.7480%3,648
Return on assets (ROA)0.7707%3,656
Pretax return on assets0.7707%3,922
Return on Equity (ROE)8.2735%3,325
Retained earnings to average equity (ytd only)2.1172%4,088
Net charge-offs to loans0.1769%478
Credit loss provision to net charge-offs86.5385%1,453
Earnings coverage of net charge-offs (x)10.3462%1,802
Efficiency ratio71.6768%1,465
Assets per employee ($millions)4.7937%3,843
Cash dividends to net income (ytd only)*74.4094%591
Condition Ratios (%)
Loss allowance to loans1.3891%2,025
Loan loss allowance to noncurrent loans327.6328%1,763
Noncurrent assets plus other real estate owned to assets0.2051%2,919
Noncurrent loans to loans0.4240%2,410
Net loans and leases to total assets47.7037%3,757
Net loans and leases to deposits52.6995%3,954
Net loans and leases to core deposits55.9952%3,889
Total domestic deposits to total assets90.5202%547
Equity capital to assets9.0683%3,739
Core capital (leverage) ratio8.9654%3,500
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$527,296,3331,634
Average earning assets$498,251,6671,605
Average equity$49,120,6671,798
Average total loans$235,210,0002,061
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5832%4,583
Cost of funding earning assets0.1762%4,109
Net interest margin2.4069%4,408
Noninterest income to average assets0.4215%2,981
Noninterest expense to average assets2.0588%3,534
Loan and lease loss provision to assets0.0692%1,769
Net operating income to assets0.5622%4,036
Return on assets (ROA)0.6045%3,994
Pretax return on assets0.6045%4,187
Return on Equity (ROE)6.4007%3,751
Retained earnings to average equity (ytd only)-4.4707%4,676
Net charge-offs to loans0.0126%1,498
Credit loss provision to net charge-offs1,285.7143%353
Earnings coverage of net charge-offs (x)117.2857%555
Efficiency ratio76.5294%1,084
Assets per employee ($millions)5.1267%3,506
Cash dividends to net income (ytd only)*169.8473%168
Condition Ratios (%)
Loss allowance to loans1.6814%1,094
Loan loss allowance to noncurrent loans246.7763%2,031
Noncurrent assets plus other real estate owned to assets0.2879%2,706
Noncurrent loans to loans0.6813%1,884
Net loans and leases to total assets41.5382%4,264
Net loans and leases to deposits45.9804%4,352
Net loans and leases to core deposits48.4454%4,360
Total domestic deposits to total assets90.3389%649
Equity capital to assets9.1679%3,523
Core capital (leverage) ratio9.1670%3,431
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$520,099,5001,636
Average earning assets$490,249,0001,615
Average equity$49,120,0001,785
Average total loans$221,792,0002,140
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3725%4,233
Cost of funding earning assets0.3785%3,723
Net interest margin2.9941%3,901
Noninterest income to average assets0.4435%2,901
Noninterest expense to average assets2.1970%3,671
Loan and lease loss provision to assets0.0803%3,372
Net operating income to assets0.9817%2,353
Return on assets (ROA)0.9783%2,513
Pretax return on assets0.9783%3,112
Return on Equity (ROE)9.6488%2,144
Retained earnings to average equity (ytd only)5.1160%2,228
Net charge-offs to loans0.3385%517
Credit loss provision to net charge-offs48.1622%3,154
Earnings coverage of net charge-offs (x)6.3726%2,789
Efficiency ratio66.9799%2,366
Assets per employee ($millions)4.9723%3,419
Cash dividends to net income (ytd only)*46.9775%2,011
Condition Ratios (%)
Loss allowance to loans1.6636%1,131
Loan loss allowance to noncurrent loans289.9605%1,758
Noncurrent assets plus other real estate owned to assets0.2489%3,042
Noncurrent loans to loans0.5737%2,261
Net loans and leases to total assets42.3359%4,332
Net loans and leases to deposits47.1541%4,426
Net loans and leases to core deposits49.7068%4,429
Total domestic deposits to total assets89.7819%644
Equity capital to assets9.7293%3,382
Core capital (leverage) ratio9.4500%3,173
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$473,456,2001,631
Average earning assets$445,214,8001,606
Average equity$48,006,0001,757
Average total loans$233,083,8002,014
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5282%4,154
Cost of funding earning assets0.4201%3,703
Net interest margin3.1081%3,718
Noninterest income to average assets0.4600%2,793
Noninterest expense to average assets2.2501%3,554
Loan and lease loss provision to assets0.0834%3,271
Net operating income to assets1.0487%2,150
Return on assets (ROA)1.0378%2,320
Pretax return on assets1.0378%2,943
Return on Equity (ROE)10.1224%1,975
Retained earnings to average equity (ytd only)4.0209%3,040
Net charge-offs to loans0.4205%382
Credit loss provision to net charge-offs38.9262%2,931
Earnings coverage of net charge-offs (x)5.2859%2,744
Efficiency ratio66.0603%2,461
Assets per employee ($millions)4.7594%3,527
Cash dividends to net income (ytd only)*60.2770%1,129
Condition Ratios (%)
Loss allowance to loans1.3561%1,928
Loan loss allowance to noncurrent loans377.2917%1,354
Noncurrent assets plus other real estate owned to assets0.1979%3,448
Noncurrent loans to loans0.3594%2,997
Net loans and leases to total assets53.7464%3,826
Net loans and leases to deposits59.9968%4,057
Net loans and leases to core deposits62.9480%4,056
Total domestic deposits to total assets89.5821%558
Equity capital to assets9.9528%3,269
Core capital (leverage) ratio9.7109%3,015
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$463,782,2501,639
Average earning assets$436,060,0001,618
Average equity$47,550,2501,759
Average total loans$236,231,7501,989
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6200%4,228
Cost of funding earning assets0.4635%3,727
Net interest margin3.1565%3,774
Noninterest income to average assets0.4932%2,603
Noninterest expense to average assets2.2925%3,539
Loan and lease loss provision to assets0.0879%3,182
Net operating income to assets1.0827%2,028
Return on assets (ROA)1.0642%2,220
Pretax return on assets1.0642%2,822
Return on Equity (ROE)10.2723%1,900
Retained earnings to average equity (ytd only)2.3294%3,629
Net charge-offs to loans0.6586%240
Credit loss provision to net charge-offs26.8817%2,713
Earnings coverage of net charge-offs (x)3.5793%2,669
Efficiency ratio65.7400%2,561
Assets per employee ($millions)4.6644%3,575
Cash dividends to net income (ytd only)*77.3234%801
Condition Ratios (%)
Loss allowance to loans1.4350%1,465
Loan loss allowance to noncurrent loans385.6987%1,267
Noncurrent assets plus other real estate owned to assets0.1927%3,569
Noncurrent loans to loans0.3720%3,075
Net loans and leases to total assets50.5112%4,136
Net loans and leases to deposits56.4271%4,278
Net loans and leases to core deposits58.7247%4,319
Total domestic deposits to total assets89.5159%565
Equity capital to assets10.0202%3,186
Core capital (leverage) ratio9.7654%3,070
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$454,968,6671,643
Average earning assets$428,068,0001,622
Average equity$47,136,6671,761
Average total loans$225,942,6672,043
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7232%4,342
Cost of funding earning assets0.5245%3,828
Net interest margin3.1987%3,856
Noninterest income to average assets0.5924%2,069
Noninterest expense to average assets2.3318%3,693
Loan and lease loss provision to assets0.1131%2,270
Net operating income to assets1.1541%1,683
Return on assets (ROA)1.1044%1,922
Pretax return on assets1.1044%2,503
Return on Equity (ROE)10.4728%1,587
Retained earnings to average equity (ytd only)-4.3744%4,470
Net charge-offs to loans1.3623%108
Credit loss provision to net charge-offs17.0068%2,213
Earnings coverage of net charge-offs (x)1.9061%2,331
Efficiency ratio64.3378%3,183
Assets per employee ($millions)4.3300%3,499
Cash dividends to net income (ytd only)*141.7690%495
Condition Ratios (%)
Loss allowance to loans1.6451%963
Loan loss allowance to noncurrent loans320.4251%1,430
Noncurrent assets plus other real estate owned to assets0.2560%3,428
Noncurrent loans to loans0.5134%2,729
Net loans and leases to total assets45.5909%4,443
Net loans and leases to deposits51.1854%4,555
Net loans and leases to core deposits53.4840%4,585
Total domestic deposits to total assets89.0701%630
Equity capital to assets10.3411%3,475
Core capital (leverage) ratio9.9894%3,470
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$442,238,0001,641
Average earning assets$415,664,5001,617
Average equity$46,635,0001,769
Average total loans$215,812,0002,076
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1646%3,900
Cost of funding earning assets0.5290%3,973
Net interest margin3.6356%3,012
Noninterest income to average assets0.5260%2,598
Noninterest expense to average assets2.4688%3,530
Loan and lease loss provision to assets0.0590%2,857
Net operating income to assets1.4084%1,318
Return on assets (ROA)1.4187%1,356
Pretax return on assets1.4187%2,090
Return on Equity (ROE)13.6566%969
Retained earnings to average equity (ytd only)7.3842%1,213
Net charge-offs to loans0.0112%3,291
Credit loss provision to net charge-offs980.0000%357
Earnings coverage of net charge-offs (x)243.9200%340
Efficiency ratio62.2753%3,332
Assets per employee ($millions)4.1730%3,666
Cash dividends to net income (ytd only)*45.9294%2,279
Condition Ratios (%)
Loss allowance to loans1.8458%605
Loan loss allowance to noncurrent loans203.8500%2,059
Noncurrent assets plus other real estate owned to assets0.4653%2,546
Noncurrent loans to loans0.9055%1,694
Net loans and leases to total assets50.4392%4,314
Net loans and leases to deposits56.8875%4,425
Net loans and leases to core deposits59.0043%4,484
Total domestic deposits to total assets88.6649%812
Equity capital to assets10.7611%3,213
Core capital (leverage) ratio10.5111%2,941
Tier 1 risk-based capital ratio17.7653%1,819
Total risk-based capital ratio19.0196%1,775
Memoranda:
Average total assets$415,588,2001,690
Average earning assets$389,812,2001,666
Average equity$43,173,4001,812
Average total loans$223,381,0002,008
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1818%3,960
Cost of funding earning assets0.5063%4,113
Net interest margin3.6755%3,009
Noninterest income to average assets0.5278%2,566
Noninterest expense to average assets2.5150%3,396
Loan and lease loss provision to assets0.0582%2,733
Net operating income to assets1.4031%1,459
Return on assets (ROA)1.4160%1,477
Pretax return on assets1.4160%2,248
Return on Equity (ROE)13.7596%1,037
Retained earnings to average equity (ytd only)5.2447%2,762
Net charge-offs to loans0.0107%2,981
Credit loss provision to net charge-offs1,000.0000%346
Earnings coverage of net charge-offs (x)250.8825%372
Efficiency ratio62.8011%3,199
Assets per employee ($millions)4.0211%3,875
Cash dividends to net income (ytd only)*61.8831%1,219
Condition Ratios (%)
Loss allowance to loans1.6046%988
Loan loss allowance to noncurrent loans216.7745%1,978
Noncurrent assets plus other real estate owned to assets0.4433%2,753
Noncurrent loans to loans0.7402%2,112
Net loans and leases to total assets58.9310%3,776
Net loans and leases to deposits66.3763%4,041
Net loans and leases to core deposits68.9117%4,112
Total domestic deposits to total assets88.7832%699
Equity capital to assets10.6876%3,390
Core capital (leverage) ratio10.6508%2,974
Tier 1 risk-based capital ratio15.6352%2,588
Total risk-based capital ratio16.8873%2,524
Memoranda:
Average total assets$412,029,2501,710
Average earning assets$386,586,2501,693
Average equity$42,403,2501,846
Average total loans$224,007,0002,009
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0571%4,261
Cost of funding earning assets0.4721%4,237
Net interest margin3.5850%3,313
Noninterest income to average assets0.5269%2,532
Noninterest expense to average assets2.5197%3,412
Loan and lease loss provision to assets0.0585%2,655
Net operating income to assets1.3123%1,728
Return on assets (ROA)1.3215%1,750
Pretax return on assets1.3215%2,469
Return on Equity (ROE)13.0117%1,237
Retained earnings to average equity (ytd only)1.5034%4,287
Net charge-offs to loans0.0167%2,557
Credit loss provision to net charge-offs666.6667%480
Earnings coverage of net charge-offs (x)156.1111%480
Efficiency ratio64.3135%3,082
Assets per employee ($millions)3.4799%4,521
Cash dividends to net income (ytd only)*88.4459%648
Condition Ratios (%)
Loss allowance to loans1.6870%845
Loan loss allowance to noncurrent loans271.5364%1,718
Noncurrent assets plus other real estate owned to assets0.3643%3,076
Noncurrent loans to loans0.6213%2,400
Net loans and leases to total assets57.6507%3,947
Net loans and leases to deposits64.9949%4,160
Net loans and leases to core deposits67.4647%4,238
Total domestic deposits to total assets88.7004%786
Equity capital to assets10.7746%3,287
Core capital (leverage) ratio10.5222%3,063
Tier 1 risk-based capital ratio15.9038%2,453
Total risk-based capital ratio17.1568%2,395
Memoranda:
Average total assets$409,974,3301,721
Average earning assets$384,663,3301,706
Average equity$41,639,3301,871
Average total loans$215,187,6702,079
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9445%4,483
Cost of funding earning assets0.4196%4,405
Net interest margin3.5249%3,517
Noninterest income to average assets0.5370%2,356
Noninterest expense to average assets2.4876%3,543
Loan and lease loss provision to assets0.0579%2,503
Net operating income to assets1.3045%1,683
Return on assets (ROA)1.3277%1,642
Pretax return on assets1.3277%2,342
Return on Equity (ROE)13.4672%1,093
Retained earnings to average equity (ytd only)-6.6798%4,998
Net charge-offs to loans0.0292%1,874
Credit loss provision to net charge-offs400.0000%692
Earnings coverage of net charge-offs (x)94.2000%694
Efficiency ratio64.1623%3,213
Assets per employee ($millions)3.8949%4,076
Cash dividends to net income (ytd only)*149.6006%328
Condition Ratios (%)
Loss allowance to loans1.9182%579
Loan loss allowance to noncurrent loans268.9180%1,723
Noncurrent assets plus other real estate owned to assets0.3514%3,200
Noncurrent loans to loans0.7133%2,242
Net loans and leases to total assets48.3256%4,572
Net loans and leases to deposits54.0645%4,675
Net loans and leases to core deposits56.0220%4,717
Total domestic deposits to total assets89.3851%698
Equity capital to assets9.9566%3,868
Core capital (leverage) ratio10.0879%3,507
Tier 1 risk-based capital ratio16.7852%2,176
Total risk-based capital ratio18.0394%2,130
Memoranda:
Average total assets$414,866,0001,710
Average earning assets$389,912,0001,681
Average equity$40,899,5001,895
Average total loans$205,445,5002,172
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8760%4,325
Cost of funding earning assets0.2897%4,618
Net interest margin3.5863%3,430
Noninterest income to average assets0.5413%2,603
Noninterest expense to average assets2.4829%3,661
Loan and lease loss provision to assets0.0592%2,980
Net operating income to assets1.3467%1,627
Return on assets (ROA)1.3585%1,566
Pretax return on assets1.3585%2,280
Return on Equity (ROE)13.5025%1,170
Retained earnings to average equity (ytd only)0.5518%4,836
Net charge-offs to loans0.0100%3,337
Credit loss provision to net charge-offs1,200.0000%331
Earnings coverage of net charge-offs (x)284.9000%341
Efficiency ratio63.3843%3,277
Assets per employee ($millions)3.9702%3,933
Cash dividends to net income (ytd only)*95.9135%331
Condition Ratios (%)
Loss allowance to loans1.8591%612
Loan loss allowance to noncurrent loans1,745.2489%403
Noncurrent assets plus other real estate owned to assets0.0530%4,577
Noncurrent loans to loans0.1065%4,255
Net loans and leases to total assets48.8435%4,590
Net loans and leases to deposits54.4562%4,733
Net loans and leases to core deposits56.5368%4,763
Total domestic deposits to total assets89.6932%578
Equity capital to assets9.7613%3,893
Core capital (leverage) ratio10.3414%3,211
Tier 1 risk-based capital ratio17.3791%1,929
Total risk-based capital ratio18.6336%1,887
Memoranda:
Average total assets$405,294,2001,693
Average earning assets$378,298,0001,685
Average equity$40,777,6001,819
Average total loans$200,235,4002,176
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8168%4,400
Cost of funding earning assets0.2708%4,670
Net interest margin3.5460%3,531
Noninterest income to average assets0.5411%2,615
Noninterest expense to average assets2.4973%3,610
Loan and lease loss provision to assets0.0596%2,788
Net operating income to assets1.2862%1,911
Return on assets (ROA)1.3022%1,846
Pretax return on assets1.3022%2,620
Return on Equity (ROE)12.8431%1,487
Retained earnings to average equity (ytd only)5.3922%3,013
Net charge-offs to loans0.0081%3,125
Credit loss provision to net charge-offs1,500.0000%268
Earnings coverage of net charge-offs (x)338.4913%278
Efficiency ratio64.5056%3,100
Assets per employee ($millions)3.7789%4,205
Cash dividends to net income (ytd only)*58.0152%1,283
Condition Ratios (%)
Loss allowance to loans1.6270%1,016
Loan loss allowance to noncurrent loans3,019.8413%245
Noncurrent assets plus other real estate owned to assets0.0312%4,828
Noncurrent loans to loans0.0539%4,652
Net loans and leases to total assets56.8971%4,143
Net loans and leases to deposits64.8514%4,286
Net loans and leases to core deposits67.1576%4,343
Total domestic deposits to total assets87.7345%1,370
Equity capital to assets10.2610%3,393
Core capital (leverage) ratio10.8944%2,682
Tier 1 risk-based capital ratio16.3828%2,307
Total risk-based capital ratio17.6352%2,250
Memoranda:
Average total assets$402,400,2501,709
Average earning assets$374,723,5001,705
Average equity$40,799,0001,829
Average total loans$198,426,5002,197
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6217%4,730
Cost of funding earning assets0.2395%4,805
Net interest margin3.3823%4,008
Noninterest income to average assets0.5416%2,617
Noninterest expense to average assets2.4747%3,699
Loan and lease loss provision to assets0.0597%2,709
Net operating income to assets1.1574%2,362
Return on assets (ROA)1.1813%2,273
Pretax return on assets1.1813%3,005
Return on Equity (ROE)11.6987%1,842
Retained earnings to average equity (ytd only)1.6811%4,574
Net charge-offs to loans0.0096%2,794
Credit loss provision to net charge-offs1,333.3333%314
Earnings coverage of net charge-offs (x)271.6667%329
Efficiency ratio66.5453%2,887
Assets per employee ($millions)3.7670%4,255
Cash dividends to net income (ytd only)*85.6300%594
Condition Ratios (%)
Loss allowance to loans1.7643%805
Loan loss allowance to noncurrent loans4,685.0000%167
Noncurrent assets plus other real estate owned to assets0.0204%4,929
Noncurrent loans to loans0.0377%4,745
Net loans and leases to total assets53.2694%4,395
Net loans and leases to deposits59.7276%4,542
Net loans and leases to core deposits61.8669%4,605
Total domestic deposits to total assets89.1873%857
Equity capital to assets10.3216%3,319
Core capital (leverage) ratio10.5733%2,951
Tier 1 risk-based capital ratio17.0292%2,088
Total risk-based capital ratio18.2825%2,036
Memoranda:
Average total assets$401,751,6701,720
Average earning assets$374,184,6701,710
Average equity$40,568,6701,841
Average total loans$186,613,3302,293
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4873%4,901
Cost of funding earning assets0.2270%4,852
Net interest margin3.2602%4,290
Noninterest income to average assets0.5714%2,417
Noninterest expense to average assets2.4340%3,848
Loan and lease loss provision to assets0.0590%2,588
Net operating income to assets1.1004%2,417
Return on assets (ROA)1.1477%2,241
Pretax return on assets1.1477%2,975
Return on Equity (ROE)11.4878%1,776
Retained earnings to average equity (ytd only)-5.4830%5,226
Net charge-offs to loans0.0184%2,139
Credit loss provision to net charge-offs750.0000%436
Earnings coverage of net charge-offs (x)147.3750%439
Efficiency ratio67.2414%2,963
Assets per employee ($millions)3.9449%4,068
Cash dividends to net income (ytd only)*147.7292%319
Condition Ratios (%)
Loss allowance to loans2.0249%518
Loan loss allowance to noncurrent loans1,469.7211%440
Noncurrent assets plus other real estate owned to assets0.0962%4,607
Noncurrent loans to loans0.1378%4,350
Net loans and leases to total assets43.9275%4,900
Net loans and leases to deposits49.0076%5,006
Net loans and leases to core deposits50.6485%5,026
Total domestic deposits to total assets89.6342%821
Equity capital to assets9.7907%3,802
Core capital (leverage) ratio10.1178%3,405
Tier 1 risk-based capital ratio18.0563%1,822
Total risk-based capital ratio19.3110%1,769
Memoranda:
Average total assets$406,743,0001,707
Average earning assets$377,028,5001,709
Average equity$40,634,5001,844
Average total loans$173,699,5002,428
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3463%5,016
Cost of funding earning assets0.2196%4,795
Net interest margin3.1267%4,636
Noninterest income to average assets0.5203%2,877
Noninterest expense to average assets2.3304%4,254
Loan and lease loss provision to assets0.0606%3,020
Net operating income to assets1.0036%2,223
Return on assets (ROA)1.0036%2,262
Pretax return on assets1.0036%3,552
Return on Equity (ROE)9.7747%1,989
Retained earnings to average equity (ytd only)4.5871%2,400
Net charge-offs to loans0.0000%4,128
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0759%2,883
Assets per employee ($millions)3.9918%3,975
Cash dividends to net income (ytd only)*53.0715%2,122
Condition Ratios (%)
Loss allowance to loans2.2013%371
Loan loss allowance to noncurrent loans3,637.0000%224
Noncurrent assets plus other real estate owned to assets0.0589%4,830
Noncurrent loans to loans0.0605%4,720
Net loans and leases to total assets39.6856%5,143
Net loans and leases to deposits44.4221%5,236
Net loans and leases to core deposits45.9152%5,238
Total domestic deposits to total assets89.3376%852
Equity capital to assets10.1894%3,501
Core capital (leverage) ratio10.2807%3,089
Tier 1 risk-based capital ratio21.1738%1,116
Total risk-based capital ratio22.4311%1,094
Memoranda:
Average total assets$395,769,0001,718
Average earning assets$363,833,0001,740
Average equity$40,635,6001,830
Average total loans$163,064,0002,507
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3149%5,094
Cost of funding earning assets0.2213%4,799
Net interest margin3.0936%4,730
Noninterest income to average assets0.5209%2,895
Noninterest expense to average assets2.3268%4,227
Loan and lease loss provision to assets0.0611%2,853
Net operating income to assets0.9742%2,669
Return on assets (ROA)0.9742%2,725
Pretax return on assets0.9742%3,788
Return on Equity (ROE)9.4697%2,366
Retained earnings to average equity (ytd only)2.5200%4,382
Net charge-offs to loans0.0066%3,495
Credit loss provision to net charge-offs2,250.0000%187
Earnings coverage of net charge-offs (x)381.2465%247
Efficiency ratio68.6112%2,764
Assets per employee ($millions)3.7560%4,364
Cash dividends to net income (ytd only)*73.3891%845
Condition Ratios (%)
Loss allowance to loans1.9877%583
Loan loss allowance to noncurrent loans2,411.4865%296
Noncurrent assets plus other real estate owned to assets0.1554%4,494
Noncurrent loans to loans0.0824%4,741
Net loans and leases to total assets45.0521%4,984
Net loans and leases to deposits50.6338%5,099
Net loans and leases to core deposits52.3293%5,130
Total domestic deposits to total assets88.9762%903
Equity capital to assets10.5996%3,262
Core capital (leverage) ratio10.5288%2,956
Tier 1 risk-based capital ratio19.5218%1,474
Total risk-based capital ratio20.7774%1,437
Memoranda:
Average total assets$392,921,2501,746
Average earning assets$360,864,2501,758
Average equity$40,422,7501,856
Average total loans$162,524,7502,529
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1411%5,310
Cost of funding earning assets0.2198%4,806
Net interest margin2.9213%5,057
Noninterest income to average assets0.5334%2,807
Noninterest expense to average assets2.3049%4,329
Loan and lease loss provision to assets0.0610%2,742
Net operating income to assets0.8545%3,138
Return on assets (ROA)0.8545%3,188
Pretax return on assets0.8545%4,087
Return on Equity (ROE)8.3900%2,833
Retained earnings to average equity (ytd only)-0.7881%5,204
Net charge-offs to loans-0.0038%4,278
Credit loss provision to net charge-offs-4,000.0000%5,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9418%2,519
Assets per employee ($millions)3.7129%4,419
Cash dividends to net income (ytd only)*109.3936%381
Condition Ratios (%)
Loss allowance to loans2.1092%503
Loan loss allowance to noncurrent loans745.7627%743
Noncurrent assets plus other real estate owned to assets0.1570%4,554
Noncurrent loans to loans0.2828%4,027
Net loans and leases to total assets41.9040%5,145
Net loans and leases to deposits47.0035%5,250
Net loans and leases to core deposits48.5975%5,264
Total domestic deposits to total assets89.1508%885
Equity capital to assets10.4295%3,432
Core capital (leverage) ratio10.2090%3,261
Tier 1 risk-based capital ratio20.0231%1,367
Total risk-based capital ratio21.2797%1,330
Memoranda:
Average total assets$393,685,6701,746
Average earning assets$362,104,3301,755
Average equity$40,095,3301,866
Average total loans$156,848,0002,605
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0011%5,456
Cost of funding earning assets0.2167%4,828
Net interest margin2.7844%5,279
Noninterest income to average assets0.5753%2,537
Noninterest expense to average assets2.2599%4,507
Loan and lease loss provision to assets0.0607%2,587
Net operating income to assets0.8140%3,162
Return on assets (ROA)0.8140%3,216
Pretax return on assets0.8140%4,065
Return on Equity (ROE)8.0878%2,881
Retained earnings to average equity (ytd only)-7.8065%5,515
Net charge-offs to loans-0.0026%4,040
Credit loss provision to net charge-offs-6,000.0000%4,719
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4194%2,677
Assets per employee ($millions)3.7060%4,495
Cash dividends to net income (ytd only)*196.5217%244
Condition Ratios (%)
Loss allowance to loans2.3091%410
Loan loss allowance to noncurrent loans362.0942%1,370
Noncurrent assets plus other real estate owned to assets0.2386%4,272
Noncurrent loans to loans0.6377%2,917
Net loans and leases to total assets36.5518%5,381
Net loans and leases to deposits40.8231%5,444
Net loans and leases to core deposits42.1956%5,460
Total domestic deposits to total assets89.5372%878
Equity capital to assets9.9006%3,875
Core capital (leverage) ratio9.9003%3,623
Tier 1 risk-based capital ratio20.7327%1,257
Total risk-based capital ratio21.9901%1,235
Memoranda:
Average total assets$395,601,0001,753
Average earning assets$363,603,5001,758
Average equity$39,813,0001,872
Average total loans$151,829,5002,675
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1829%5,324
Cost of funding earning assets0.2309%4,728
Net interest margin2.9519%5,048
Noninterest income to average assets0.5759%2,783
Noninterest expense to average assets2.3134%4,529
Loan and lease loss provision to assets0.0625%3,124
Net operating income to assets0.9009%2,816
Return on assets (ROA)0.9022%2,927
Pretax return on assets0.9022%3,848
Return on Equity (ROE)8.7306%2,551
Retained earnings to average equity (ytd only)4.1802%2,933
Net charge-offs to loans0.0813%2,527
Credit loss provision to net charge-offs193.5484%1,461
Earnings coverage of net charge-offs (x)29.8548%1,437
Efficiency ratio69.9253%2,913
Assets per employee ($millions)3.7234%4,442
Cash dividends to net income (ytd only)*52.1200%2,180
Condition Ratios (%)
Loss allowance to loans2.2072%463
Loan loss allowance to noncurrent loans336.0040%1,491
Noncurrent assets plus other real estate owned to assets0.2586%4,262
Noncurrent loans to loans0.6569%2,886
Net loans and leases to total assets38.4971%5,384
Net loans and leases to deposits43.1025%5,461
Net loans and leases to core deposits44.5884%5,473
Total domestic deposits to total assets89.3154%944
Equity capital to assets10.2311%3,465
Core capital (leverage) ratio10.1507%3,305
Tier 1 risk-based capital ratio21.8667%1,103
Total risk-based capital ratio23.1243%1,077
Memoranda:
Average total assets$384,279,6001,744
Average earning assets$351,600,2001,763
Average equity$39,711,0001,857
Average total loans$152,579,6002,610
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1618%5,416
Cost of funding earning assets0.2322%4,775
Net interest margin2.9296%5,134
Noninterest income to average assets0.5757%2,787
Noninterest expense to average assets2.3240%4,479
Loan and lease loss provision to assets0.0627%2,981
Net operating income to assets0.8670%3,063
Return on assets (ROA)0.8684%3,178
Pretax return on assets0.8684%4,081
Return on Equity (ROE)8.3821%2,815
Retained earnings to average equity (ytd only)2.3041%4,540
Net charge-offs to loans0.1033%1,913
Credit loss provision to net charge-offs152.5424%1,747
Earnings coverage of net charge-offs (x)22.6101%1,747
Efficiency ratio70.7401%2,787
Assets per employee ($millions)3.6855%4,502
Cash dividends to net income (ytd only)*72.5120%957
Condition Ratios (%)
Loss allowance to loans1.8974%858
Loan loss allowance to noncurrent loans397.9762%1,277
Noncurrent assets plus other real estate owned to assets0.2319%4,516
Noncurrent loans to loans0.4768%3,584
Net loans and leases to total assets45.0941%5,137
Net loans and leases to deposits50.6771%5,268
Net loans and leases to core deposits52.4450%5,293
Total domestic deposits to total assets88.9831%919
Equity capital to assets10.6313%3,423
Core capital (leverage) ratio10.3139%3,214
Tier 1 risk-based capital ratio19.2870%1,605
Total risk-based capital ratio20.5423%1,563
Memoranda:
Average total assets$382,611,0001,751
Average earning assets$349,748,7501,781
Average equity$39,639,0001,874
Average total loans$152,248,7502,616
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9938%5,659
Cost of funding earning assets0.2314%4,838
Net interest margin2.7625%5,494
Noninterest income to average assets0.5827%2,710
Noninterest expense to average assets2.3150%4,568
Loan and lease loss provision to assets0.0628%2,882
Net operating income to assets0.7343%3,631
Return on assets (ROA)0.7359%3,784
Pretax return on assets0.7359%4,508
Return on Equity (ROE)7.1660%3,453
Retained earnings to average equity (ytd only)-0.5755%5,380
Net charge-offs to loans0.1567%1,393
Credit loss provision to net charge-offs106.1947%2,014
Earnings coverage of net charge-offs (x)13.4867%2,122
Efficiency ratio73.6639%2,412
Assets per employee ($millions)3.5008%4,749
Cash dividends to net income (ytd only)*108.0313%426
Condition Ratios (%)
Loss allowance to loans1.9834%764
Loan loss allowance to noncurrent loans378.8018%1,348
Noncurrent assets plus other real estate owned to assets0.2296%4,574
Noncurrent loans to loans0.5236%3,514
Net loans and leases to total assets42.5830%5,309
Net loans and leases to deposits47.7591%5,427
Net loans and leases to core deposits49.5664%5,451
Total domestic deposits to total assets89.1620%841
Equity capital to assets10.4509%3,693
Core capital (leverage) ratio9.9985%3,567
Tier 1 risk-based capital ratio19.2981%1,628
Total risk-based capital ratio20.5536%1,586
Memoranda:
Average total assets$382,384,0001,750
Average earning assets$350,118,6701,771
Average equity$39,269,0001,886
Average total loans$144,270,0002,718
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8372%5,834
Cost of funding earning assets0.2299%4,902
Net interest margin2.6073%5,713
Noninterest income to average assets0.6030%2,512
Noninterest expense to average assets2.2948%4,675
Loan and lease loss provision to assets0.0627%2,698
Net operating income to assets0.6395%4,025
Return on assets (ROA)0.6427%4,131
Pretax return on assets0.6427%4,695
Return on Equity (ROE)6.3135%3,826
Retained earnings to average equity (ytd only)-4.3425%5,568
Net charge-offs to loans0.2906%731
Credit loss provision to net charge-offs61.8557%1,963
Earnings coverage of net charge-offs (x)6.9278%2,195
Efficiency ratio75.8368%2,195
Assets per employee ($millions)3.6606%4,541
Cash dividends to net income (ytd only)*168.7805%326
Condition Ratios (%)
Loss allowance to loans2.3839%454
Loan loss allowance to noncurrent loans367.8005%1,352
Noncurrent assets plus other real estate owned to assets0.2273%4,648
Noncurrent loans to loans0.6482%3,229
Net loans and leases to total assets34.2330%5,707
Net loans and leases to deposits38.2833%5,769
Net loans and leases to core deposits39.7009%5,779
Total domestic deposits to total assets89.4203%879
Equity capital to assets10.1024%3,947
Core capital (leverage) ratio9.9727%3,569
Tier 1 risk-based capital ratio21.7668%1,195
Total risk-based capital ratio23.0245%1,176
Memoranda:
Average total assets$382,784,0001,751
Average earning assets$351,479,0001,771
Average equity$38,964,0001,895
Average total loans$133,516,0002,880
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9098%5,802
Cost of funding earning assets0.2326%4,981
Net interest margin2.6772%5,677
Noninterest income to average assets0.5494%3,015
Noninterest expense to average assets2.2681%4,885
Loan and lease loss provision to assets0.0635%3,026
Net operating income to assets0.6785%3,911
Return on assets (ROA)0.6872%3,977
Pretax return on assets0.6882%4,560
Return on Equity (ROE)6.7771%3,630
Retained earnings to average equity (ytd only)2.3546%4,381
Net charge-offs to loans-0.0302%5,404
Credit loss provision to net charge-offs-600.0000%5,476
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.5785%2,494
Assets per employee ($millions)3.5284%4,781
Cash dividends to net income (ytd only)*65.2559%1,470
Condition Ratios (%)
Loss allowance to loans2.5054%392
Loan loss allowance to noncurrent loans154.2548%2,748
Noncurrent assets plus other real estate owned to assets0.5634%3,400
Noncurrent loans to loans1.6242%1,409
Net loans and leases to total assets33.8172%5,782
Net loans and leases to deposits37.8570%5,841
Net loans and leases to core deposits39.2365%5,845
Total domestic deposits to total assets89.3286%946
Equity capital to assets10.2579%3,670
Core capital (leverage) ratio10.0610%3,421
Tier 1 risk-based capital ratio23.4148%965
Total risk-based capital ratio24.6745%953
Memoranda:
Average total assets$378,206,0001,738
Average earning assets$347,750,6001,745
Average equity$38,349,8001,872
Average total loans$132,441,8002,850
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8910%5,898
Cost of funding earning assets0.2324%5,070
Net interest margin2.6585%5,777
Noninterest income to average assets0.5434%3,084
Noninterest expense to average assets2.2587%4,887
Loan and lease loss provision to assets0.0634%2,913
Net operating income to assets0.6635%4,060
Return on assets (ROA)0.6748%4,121
Pretax return on assets0.6748%4,763
Return on Equity (ROE)6.6743%3,796
Retained earnings to average equity (ytd only)0.7633%5,385
Net charge-offs to loans-0.0402%5,468
Credit loss provision to net charge-offs-450.0000%5,338
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.8967%2,417
Assets per employee ($millions)3.4201%4,943
Cash dividends to net income (ytd only)*88.5641%557
Condition Ratios (%)
Loss allowance to loans2.2052%656
Loan loss allowance to noncurrent loans1,095.5782%526
Noncurrent assets plus other real estate owned to assets0.0789%5,442
Noncurrent loans to loans0.2013%4,841
Net loans and leases to total assets38.3177%5,679
Net loans and leases to deposits42.9725%5,763
Net loans and leases to core deposits44.5419%5,775
Total domestic deposits to total assets89.1679%935
Equity capital to assets10.3989%3,709
Core capital (leverage) ratio10.0186%3,601
Tier 1 risk-based capital ratio21.5364%1,260
Total risk-based capital ratio22.7941%1,241
Memoranda:
Average total assets$378,372,0001,747
Average earning assets$347,604,0001,759
Average equity$38,255,2501,890
Average total loans$132,813,5002,860
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7307%6,056
Cost of funding earning assets0.2299%5,148
Net interest margin2.5008%5,960
Noninterest income to average assets0.5391%3,115
Noninterest expense to average assets2.2250%5,039
Loan and lease loss provision to assets0.0631%2,855
Net operating income to assets0.5512%4,553
Return on assets (ROA)0.5675%4,588
Pretax return on assets0.5675%5,056
Return on Equity (ROE)5.6663%4,293
Retained earnings to average equity (ytd only)-2.1478%5,844
Net charge-offs to loans-0.0732%5,679
Credit loss provision to net charge-offs-255.3191%5,076
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.5843%2,127
Assets per employee ($millions)3.5169%4,755
Cash dividends to net income (ytd only)*137.9055%222
Condition Ratios (%)
Loss allowance to loans2.2866%645
Loan loss allowance to noncurrent loans1,252.1739%460
Noncurrent assets plus other real estate owned to assets0.0712%5,579
Noncurrent loans to loans0.1826%5,045
Net loans and leases to total assets35.9758%5,821
Net loans and leases to deposits40.1586%5,894
Net loans and leases to core deposits42.4844%5,884
Total domestic deposits to total assets89.5841%856
Equity capital to assets10.0269%4,007
Core capital (leverage) ratio9.7710%3,912
Tier 1 risk-based capital ratio21.8144%1,231
Total risk-based capital ratio23.0724%1,216
Memoranda:
Average total assets$380,233,0001,747
Average earning assets$349,723,0001,749
Average equity$38,085,0001,908
Average total loans$128,396,3302,940
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6077%6,180
Cost of funding earning assets0.2274%5,242
Net interest margin2.3802%6,108
Noninterest income to average assets0.5725%2,818
Noninterest expense to average assets2.2355%5,061
Loan and lease loss provision to assets0.0628%2,669
Net operating income to assets0.4647%4,811
Return on assets (ROA)0.4647%4,928
Pretax return on assets0.4647%5,274
Return on Equity (ROE)4.6417%4,693
Retained earnings to average equity (ytd only)-8.0812%6,083
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.1136%1,888
Assets per employee ($millions)3.6308%4,663
Cash dividends to net income (ytd only)*274.0991%135
Condition Ratios (%)
Loss allowance to loans2.5810%472
Loan loss allowance to noncurrent loans1,877.9141%321
Noncurrent assets plus other real estate owned to assets0.0471%5,750
Noncurrent loans to loans0.1374%5,285
Net loans and leases to total assets30.5969%6,051
Net loans and leases to deposits34.2397%6,114
Net loans and leases to core deposits36.2114%6,091
Total domestic deposits to total assets89.3608%1,065
Equity capital to assets10.1024%4,010
Core capital (leverage) ratio9.5015%4,273
Tier 1 risk-based capital ratio23.9162%1,003
Total risk-based capital ratio25.1756%988
Memoranda:
Average total assets$382,195,0001,743
Average earning assets$351,729,5001,749
Average equity$38,261,5001,913
Average total loans$123,320,5003,030
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9124%6,123
Cost of funding earning assets0.2382%5,438
Net interest margin2.6741%5,979
Noninterest income to average assets0.5721%3,037
Noninterest expense to average assets2.2330%5,276
Loan and lease loss provision to assets0.0666%3,164
Net operating income to assets0.7235%3,776
Return on assets (ROA)0.7241%3,882
Pretax return on assets0.7241%4,534
Return on Equity (ROE)7.3196%3,464
Retained earnings to average equity (ytd only)2.6977%4,327
Net charge-offs to loans0.0264%4,297
Credit loss provision to net charge-offs735.2941%368
Earnings coverage of net charge-offs (x)87.1765%588
Efficiency ratio73.1129%3,005
Assets per employee ($millions)3.6837%4,560
Cash dividends to net income (ytd only)*63.1443%1,596
Condition Ratios (%)
Loss allowance to loans2.3437%678
Loan loss allowance to noncurrent loans3,572.6190%212
Noncurrent assets plus other real estate owned to assets0.0256%5,943
Noncurrent loans to loans0.0656%5,616
Net loans and leases to total assets32.3290%6,104
Net loans and leases to deposits36.0526%6,171
Net loans and leases to core deposits38.0916%6,146
Total domestic deposits to total assets89.6718%886
Equity capital to assets9.9218%4,210
Core capital (leverage) ratio9.6056%4,088
Tier 1 risk-based capital ratio23.6146%993
Total risk-based capital ratio24.8730%975
Memoranda:
Average total assets$375,107,8001,741
Average earning assets$343,810,6001,742
Average equity$37,106,0001,896
Average total loans$128,738,0002,891
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9260%6,181
Cost of funding earning assets0.2403%5,507
Net interest margin2.6857%6,021
Noninterest income to average assets0.5656%3,095
Noninterest expense to average assets2.2680%5,187
Loan and lease loss provision to assets0.0681%2,980
Net operating income to assets0.6874%4,008
Return on assets (ROA)0.6882%4,094
Pretax return on assets0.6882%4,740
Return on Equity (ROE)6.9621%3,722
Retained earnings to average equity (ytd only)0.7466%5,581
Net charge-offs to loans0.0155%4,236
Credit loss provision to net charge-offs1,266.6667%272
Earnings coverage of net charge-offs (x)140.5965%435
Efficiency ratio74.2536%2,779
Assets per employee ($millions)3.3707%5,100
Cash dividends to net income (ytd only)*89.2764%547
Condition Ratios (%)
Loss allowance to loans1.9663%1,318
Loan loss allowance to noncurrent loans1,827.1605%328
Noncurrent assets plus other real estate owned to assets0.0433%5,988
Noncurrent loans to loans0.1076%5,610
Net loans and leases to total assets39.4424%5,846
Net loans and leases to deposits44.0420%5,968
Net loans and leases to core deposits46.8520%5,930
Total domestic deposits to total assets89.5564%958
Equity capital to assets9.9911%4,177
Core capital (leverage) ratio9.9206%3,778
Tier 1 risk-based capital ratio20.2497%1,601
Total risk-based capital ratio21.5046%1,569
Memoranda:
Average total assets$372,188,2501,766
Average earning assets$340,610,5001,763
Average equity$36,788,5001,918
Average total loans$128,911,2502,895
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7692%6,359
Cost of funding earning assets0.2395%5,589
Net interest margin2.5297%6,238
Noninterest income to average assets0.5733%2,974
Noninterest expense to average assets2.2674%5,237
Loan and lease loss provision to assets0.0700%2,873
Net operating income to assets0.5555%4,567
Return on assets (ROA)0.5561%4,673
Pretax return on assets0.5561%5,108
Return on Equity (ROE)5.6462%4,360
Retained earnings to average equity (ytd only)-2.5362%6,052
Net charge-offs to loans0.0066%4,153
Credit loss provision to net charge-offs3,250.0000%110
Earnings coverage of net charge-offs (x)290.5000%234
Efficiency ratio77.5772%2,360
Assets per employee ($millions)3.5052%4,838
Cash dividends to net income (ytd only)*144.9177%234
Condition Ratios (%)
Loss allowance to loans2.0836%1,216
Loan loss allowance to noncurrent loans1,212.9167%440
Noncurrent assets plus other real estate owned to assets0.0646%5,980
Noncurrent loans to loans0.1718%5,495
Net loans and leases to total assets36.8181%6,016
Net loans and leases to deposits41.0650%6,108
Net loans and leases to core deposits43.7005%6,075
Total domestic deposits to total assets89.6581%989
Equity capital to assets9.9425%4,187
Core capital (leverage) ratio9.6396%4,127
Tier 1 risk-based capital ratio20.6195%1,534
Total risk-based capital ratio21.8750%1,507
Memoranda:
Average total assets$371,533,3301,766
Average earning assets$340,673,6701,764
Average equity$36,590,6701,919
Average total loans$121,703,3303,032
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6045%6,517
Cost of funding earning assets0.2381%5,690
Net interest margin2.3664%6,438
Noninterest income to average assets0.6363%2,539
Noninterest expense to average assets2.3223%5,139
Loan and lease loss provision to assets0.0754%2,635
Net operating income to assets0.4113%5,073
Return on assets (ROA)0.4113%5,139
Pretax return on assets0.4113%5,418
Return on Equity (ROE)4.1960%4,930
Retained earnings to average equity (ytd only)-9.9628%6,360
Net charge-offs to loans0.0248%3,072
Credit loss provision to net charge-offs1,000.0000%304
Earnings coverage of net charge-offs (x)64.5714%624
Efficiency ratio81.8704%1,944
Assets per employee ($millions)3.4899%4,939
Cash dividends to net income (ytd only)*337.4346%94
Condition Ratios (%)
Loss allowance to loans2.6136%703
Loan loss allowance to noncurrent loans865.6535%587
Noncurrent assets plus other real estate owned to assets0.1117%5,919
Noncurrent loans to loans0.3019%5,208
Net loans and leases to total assets28.4186%6,403
Net loans and leases to deposits31.6480%6,444
Net loans and leases to core deposits33.6641%6,419
Total domestic deposits to total assets89.7959%1,181
Equity capital to assets9.6554%4,288
Core capital (leverage) ratio9.3111%4,562
Tier 1 risk-based capital ratio24.0100%1,000
Total risk-based capital ratio25.2689%981
Memoranda:
Average total assets$371,526,0001,772
Average earning assets$341,103,0001,764
Average equity$36,415,5001,918
Average total loans$112,701,0003,210
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0313%6,312
Cost of funding earning assets0.2520%5,948
Net interest margin2.7793%6,014
Noninterest income to average assets0.6421%2,850
Noninterest expense to average assets2.3812%5,126
Loan and lease loss provision to assets0.0841%3,432
Net operating income to assets0.7285%3,664
Return on assets (ROA)0.7487%3,651
Pretax return on assets0.7487%4,347
Return on Equity (ROE)7.2623%3,428
Retained earnings to average equity (ytd only)2.3310%4,590
Net charge-offs to loans0.0138%5,178
Credit loss provision to net charge-offs1,764.7059%140
Earnings coverage of net charge-offs (x)170.4706%275
Efficiency ratio73.8104%3,158
Assets per employee ($millions)3.4871%4,921
Cash dividends to net income (ytd only)*67.9026%1,404
Condition Ratios (%)
Loss allowance to loans2.3919%941
Loan loss allowance to noncurrent loans596.3597%824
Noncurrent assets plus other real estate owned to assets0.1531%5,860
Noncurrent loans to loans0.4011%5,005
Net loans and leases to total assets30.7463%6,433
Net loans and leases to deposits34.3076%6,480
Net loans and leases to core deposits36.4629%6,456
Total domestic deposits to total assets89.6195%1,261
Equity capital to assets9.9493%3,838
Core capital (leverage) ratio9.8002%3,840
Tier 1 risk-based capital ratio24.0835%942
Total risk-based capital ratio25.3413%933
Memoranda:
Average total assets$356,633,8001,821
Average earning assets$327,421,6001,816
Average equity$36,765,4001,882
Average total loans$123,621,4002,967
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0823%6,337
Cost of funding earning assets0.2561%6,045
Net interest margin2.8262%5,968
Noninterest income to average assets0.6440%2,907
Noninterest expense to average assets2.4219%4,953
Loan and lease loss provision to assets0.0849%3,363
Net operating income to assets0.7353%3,672
Return on assets (ROA)0.7353%3,803
Pretax return on assets0.7353%4,553
Return on Equity (ROE)7.0686%3,606
Retained earnings to average equity (ytd only)0.4932%5,767
Net charge-offs to loans0.0085%4,987
Credit loss provision to net charge-offs2,812.5000%117
Earnings coverage of net charge-offs (x)271.6579%219
Efficiency ratio73.9555%3,079
Assets per employee ($millions)3.2088%5,479
Cash dividends to net income (ytd only)*93.0220%515
Condition Ratios (%)
Loss allowance to loans1.8995%2,005
Loan loss allowance to noncurrent loans1,091.9679%436
Noncurrent assets plus other real estate owned to assets0.1000%6,136
Noncurrent loans to loans0.1740%5,806
Net loans and leases to total assets39.4249%6,075
Net loans and leases to deposits44.1249%6,198
Net loans and leases to core deposits46.9800%6,171
Total domestic deposits to total assets89.3484%1,387
Equity capital to assets10.1976%3,650
Core capital (leverage) ratio10.2009%3,399
Tier 1 risk-based capital ratio20.2388%1,673
Total risk-based capital ratio21.4927%1,651
Memoranda:
Average total assets$353,383,5001,844
Average earning assets$324,861,5001,838
Average equity$36,762,7501,893
Average total loans$125,418,2502,953
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9437%6,497
Cost of funding earning assets0.2601%6,104
Net interest margin2.6836%6,203
Noninterest income to average assets0.6656%2,820
Noninterest expense to average assets2.4219%4,991
Loan and lease loss provision to assets0.0851%3,378
Net operating income to assets0.6412%4,101
Return on assets (ROA)0.6412%4,246
Pretax return on assets0.6412%4,873
Return on Equity (ROE)6.1230%4,094
Retained earnings to average equity (ytd only)-2.0428%6,195
Net charge-offs to loans0.0167%4,506
Credit loss provision to net charge-offs1,500.0000%208
Earnings coverage of net charge-offs (x)128.0000%378
Efficiency ratio76.1536%2,761
Assets per employee ($millions)3.1183%5,643
Cash dividends to net income (ytd only)*133.3628%266
Condition Ratios (%)
Loss allowance to loans1.9803%1,895
Loan loss allowance to noncurrent loans1,354.8718%363
Noncurrent assets plus other real estate owned to assets0.0865%6,239
Noncurrent loans to loans0.1462%5,958
Net loans and leases to total assets37.4437%6,211
Net loans and leases to deposits41.9348%6,332
Net loans and leases to core deposits43.6172%6,350
Total domestic deposits to total assets89.2903%1,454
Equity capital to assets10.2484%3,595
Core capital (leverage) ratio9.9236%3,628
Tier 1 risk-based capital ratio20.4882%1,610
Total risk-based capital ratio21.7423%1,582
Memoranda:
Average total assets$352,453,6701,847
Average earning assets$326,055,0001,836
Average equity$36,910,0001,891
Average total loans$119,511,0003,081
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8305%6,661
Cost of funding earning assets0.2629%6,204
Net interest margin2.5676%6,417
Noninterest income to average assets0.7208%2,481
Noninterest expense to average assets2.4120%5,086
Loan and lease loss provision to assets0.0847%3,242
Net operating income to assets0.5965%4,234
Return on assets (ROA)0.5965%4,381
Pretax return on assets0.5965%4,959
Return on Equity (ROE)5.6367%4,234
Retained earnings to average equity (ytd only)-8.6578%6,561
Net charge-offs to loans0.0569%3,260
Credit loss provision to net charge-offs468.7500%562
Earnings coverage of net charge-offs (x)37.6875%831
Efficiency ratio77.2096%2,727
Assets per employee ($millions)3.3426%5,350
Cash dividends to net income (ytd only)*253.5985%130
Condition Ratios (%)
Loss allowance to loans2.3402%1,347
Loan loss allowance to noncurrent loans245.0718%1,592
Noncurrent assets plus other real estate owned to assets0.3227%5,615
Noncurrent loans to loans0.9549%4,229
Net loans and leases to total assets29.8810%6,611
Net loans and leases to deposits33.5428%6,654
Net loans and leases to core deposits34.8015%6,654
Total domestic deposits to total assets89.0833%1,637
Equity capital to assets10.3198%3,775
Core capital (leverage) ratio9.5975%3,935
Tier 1 risk-based capital ratio22.7655%1,194
Total risk-based capital ratio24.0215%1,173
Memoranda:
Average total assets$354,058,5001,870
Average earning assets$327,147,5001,849
Average equity$37,469,0001,891
Average total loans$112,560,5003,240
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2440%6,637
Cost of funding earning assets0.3346%6,295
Net interest margin2.9093%6,209
Noninterest income to average assets0.6569%2,956
Noninterest expense to average assets2.3649%5,515
Loan and lease loss provision to assets0.0859%4,626
Net operating income to assets0.9010%2,815
Return on assets (ROA)0.9021%3,046
Pretax return on assets0.9021%3,910
Return on Equity (ROE)8.1118%3,039
Retained earnings to average equity (ytd only)-2.7254%6,242
Net charge-offs to loans0.1135%4,540
Credit loss provision to net charge-offs218.9781%1,151
Earnings coverage of net charge-offs (x)25.1460%1,147
Efficiency ratio69.8291%3,853
Assets per employee ($millions)3.1573%5,721
Cash dividends to net income (ytd only)*133.5980%264
Condition Ratios (%)
Loss allowance to loans2.1627%1,625
Loan loss allowance to noncurrent loans781.8750%557
Noncurrent assets plus other real estate owned to assets0.1196%6,268
Noncurrent loans to loans0.2766%5,790
Net loans and leases to total assets32.2966%6,614
Net loans and leases to deposits36.4068%6,670
Net loans and leases to core deposits37.8034%6,683
Total domestic deposits to total assets88.7104%1,761
Equity capital to assets10.8510%3,119
Core capital (leverage) ratio10.1852%3,159
Tier 1 risk-based capital ratio23.9228%980
Total risk-based capital ratio25.1785%962
Memoranda:
Average total assets$349,062,2001,856
Average earning assets$323,337,4001,841
Average equity$38,819,8001,788
Average total loans$120,741,4003,053
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2836%6,741
Cost of funding earning assets0.3478%6,386
Net interest margin2.9358%6,299
Noninterest income to average assets0.6599%2,934
Noninterest expense to average assets2.3698%5,487
Loan and lease loss provision to assets0.0860%4,529
Net operating income to assets0.9280%2,839
Return on assets (ROA)0.9295%3,061
Pretax return on assets0.9295%3,994
Return on Equity (ROE)8.3071%3,132
Retained earnings to average equity (ytd only)1.6197%5,525
Net charge-offs to loans0.1650%3,801
Credit loss provision to net charge-offs149.0066%1,895
Earnings coverage of net charge-offs (x)17.5628%1,617
Efficiency ratio69.3107%3,810
Assets per employee ($millions)3.1343%5,771
Cash dividends to net income (ytd only)*80.5020%639
Condition Ratios (%)
Loss allowance to loans1.7158%3,096
Loan loss allowance to noncurrent loans880.6569%485
Noncurrent assets plus other real estate owned to assets0.1291%6,391
Noncurrent loans to loans0.1948%6,122
Net loans and leases to total assets40.8333%6,216
Net loans and leases to deposits46.5488%6,348
Net loans and leases to core deposits48.4694%6,386
Total domestic deposits to total assets87.7214%2,211
Equity capital to assets11.8044%2,427
Core capital (leverage) ratio10.8012%2,599
Tier 1 risk-based capital ratio21.9197%1,344
Total risk-based capital ratio23.1724%1,321
Memoranda:
Average total assets$348,714,0001,877
Average earning assets$323,542,0001,854
Average equity$39,017,7501,797
Average total loans$122,005,0003,077
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0892%6,936
Cost of funding earning assets0.3557%6,484
Net interest margin2.7335%6,670
Noninterest income to average assets0.6742%2,809
Noninterest expense to average assets2.3322%5,656
Loan and lease loss provision to assets0.0852%4,524
Net operating income to assets0.7969%3,407
Return on assets (ROA)0.7986%3,652
Pretax return on assets0.7986%4,479
Return on Equity (ROE)7.2654%3,635
Retained earnings to average equity (ytd only)-1.5399%6,296
Net charge-offs to loans0.0691%4,459
Credit loss provision to net charge-offs375.0000%792
Earnings coverage of net charge-offs (x)38.8250%894
Efficiency ratio71.7971%3,463
Assets per employee ($millions)2.9781%6,109
Cash dividends to net income (ytd only)*121.1949%263
Condition Ratios (%)
Loss allowance to loans1.8162%2,797
Loan loss allowance to noncurrent loans418.6325%867
Noncurrent assets plus other real estate owned to assets0.1886%6,319
Noncurrent loans to loans0.4338%5,665
Net loans and leases to total assets38.6571%6,428
Net loans and leases to deposits43.8108%6,566
Net loans and leases to core deposits45.4257%6,598
Total domestic deposits to total assets88.2363%1,999
Equity capital to assets11.3126%2,775
Core capital (leverage) ratio10.2270%3,110
Tier 1 risk-based capital ratio21.8079%1,331
Total risk-based capital ratio23.0611%1,306
Memoranda:
Average total assets$352,116,0001,864
Average earning assets$327,204,0001,833
Average equity$38,704,0001,798
Average total loans$115,794,3303,223
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9287%7,072
Cost of funding earning assets0.3625%6,587
Net interest margin2.5662%6,898
Noninterest income to average assets0.7284%2,506
Noninterest expense to average assets2.2806%5,819
Loan and lease loss provision to assets0.0840%4,331
Net operating income to assets0.7520%3,615
Return on assets (ROA)0.7553%3,836
Pretax return on assets0.7553%4,586
Return on Equity (ROE)6.9693%3,798
Retained earnings to average equity (ytd only)-8.6961%6,799
Net charge-offs to loans0.0678%3,808
Credit loss provision to net charge-offs416.6667%757
Earnings coverage of net charge-offs (x)41.4444%727
Efficiency ratio72.4200%3,360
Assets per employee ($millions)3.2922%5,583
Cash dividends to net income (ytd only)*224.7774%130
Condition Ratios (%)
Loss allowance to loans2.3653%1,563
Loan loss allowance to noncurrent loans328.2192%1,010
Noncurrent assets plus other real estate owned to assets0.2204%6,336
Noncurrent loans to loans0.7207%5,218
Net loans and leases to total assets27.5600%6,987
Net loans and leases to deposits31.0500%7,029
Net loans and leases to core deposits32.2234%7,035
Total domestic deposits to total assets88.7603%1,844
Equity capital to assets10.6539%3,318
Core capital (leverage) ratio9.7784%3,673
Tier 1 risk-based capital ratio25.7795%825
Total risk-based capital ratio27.0356%805
Memoranda:
Average total assets$356,931,0001,851
Average earning assets$332,164,0001,818
Average equity$38,684,0001,798
Average total loans$106,269,5003,449
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5644%6,955
Cost of funding earning assets0.5238%6,442
Net interest margin3.0406%6,464
Noninterest income to average assets0.7379%2,401
Noninterest expense to average assets2.5036%5,454
Loan and lease loss provision to assets0.0886%5,481
Net operating income to assets0.9516%2,403
Return on assets (ROA)0.9540%2,522
Pretax return on assets0.9540%3,415
Return on Equity (ROE)8.7069%2,590
Retained earnings to average equity (ytd only)4.4249%3,022
Net charge-offs to loans0.1359%5,054
Credit loss provision to net charge-offs180.7229%1,436
Earnings coverage of net charge-offs (x)21.2229%1,102
Efficiency ratio69.9383%3,972
Assets per employee ($millions)3.3178%5,459
Cash dividends to net income (ytd only)*49.1798%2,091
Condition Ratios (%)
Loss allowance to loans2.1026%2,002
Loan loss allowance to noncurrent loans267.9267%1,232
Noncurrent assets plus other real estate owned to assets0.2718%6,283
Noncurrent loans to loans0.7848%5,115
Net loans and leases to total assets30.6764%6,988
Net loans and leases to deposits34.6480%7,031
Net loans and leases to core deposits36.3177%7,030
Total domestic deposits to total assets88.5372%1,830
Equity capital to assets11.0239%2,958
Core capital (leverage) ratio10.5288%2,689
Tier 1 risk-based capital ratio25.6005%809
Total risk-based capital ratio26.8558%789
Memoranda:
Average total assets$338,676,8001,908
Average earning assets$312,534,8001,886
Average equity$37,108,6001,819
Average total loans$122,148,0003,134
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6266%6,997
Cost of funding earning assets0.5642%6,452
Net interest margin3.0624%6,466
Noninterest income to average assets0.7555%2,284
Noninterest expense to average assets2.5499%5,280
Loan and lease loss provision to assets0.0897%5,338
Net operating income to assets0.9364%2,584
Return on assets (ROA)0.9372%2,746
Pretax return on assets0.9372%3,631
Return on Equity (ROE)8.5677%2,793
Retained earnings to average equity (ytd only)2.7794%4,696
Net charge-offs to loans0.1484%4,582
Credit loss provision to net charge-offs161.8705%1,899
Earnings coverage of net charge-offs (x)18.5251%1,302
Efficiency ratio70.5928%3,835
Assets per employee ($millions)3.1806%5,723
Cash dividends to net income (ytd only)*67.5594%954
Condition Ratios (%)
Loss allowance to loans1.5529%3,875
Loan loss allowance to noncurrent loans245.2891%1,270
Noncurrent assets plus other real estate owned to assets0.2896%6,333
Noncurrent loans to loans0.6331%5,623
Net loans and leases to total assets43.4916%6,384
Net loans and leases to deposits49.4897%6,528
Net loans and leases to core deposits52.0564%6,563
Total domestic deposits to total assets87.8799%2,108
Equity capital to assets11.4757%2,704
Core capital (leverage) ratio10.5993%2,763
Tier 1 risk-based capital ratio20.0317%1,676
Total risk-based capital ratio21.2825%1,647
Memoranda:
Average total assets$334,593,7501,942
Average earning assets$308,157,7501,917
Average equity$36,601,7501,839
Average total loans$124,874,2503,106
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4492%7,186
Cost of funding earning assets0.5979%6,473
Net interest margin2.8513%6,859
Noninterest income to average assets0.7389%2,330
Noninterest expense to average assets2.5663%5,303
Loan and lease loss provision to assets0.0896%5,197
Net operating income to assets0.7067%3,508
Return on assets (ROA)0.7073%3,617
Pretax return on assets0.7073%4,358
Return on Equity (ROE)6.5727%3,663
Retained earnings to average equity (ytd only)-0.8216%6,021
Net charge-offs to loans0.1892%4,024
Credit loss provision to net charge-offs135.1351%2,254
Earnings coverage of net charge-offs (x)12.0090%1,657
Efficiency ratio75.5552%3,097
Assets per employee ($millions)3.0528%5,971
Cash dividends to net income (ytd only)*112.5000%337
Condition Ratios (%)
Loss allowance to loans1.7251%3,245
Loan loss allowance to noncurrent loans274.6634%1,140
Noncurrent assets plus other real estate owned to assets0.2508%6,505
Noncurrent loans to loans0.6281%5,665
Net loans and leases to total assets37.7263%6,877
Net loans and leases to deposits42.6958%6,967
Net loans and leases to core deposits46.1794%6,927
Total domestic deposits to total assets88.3608%1,938
Equity capital to assets10.9336%3,026
Core capital (leverage) ratio10.2207%3,008
Tier 1 risk-based capital ratio21.1234%1,399
Total risk-based capital ratio22.3749%1,378
Memoranda:
Average total assets$334,805,3301,946
Average earning assets$308,067,0001,925
Average equity$36,027,6701,858
Average total loans$117,320,6703,280
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3357%7,298
Cost of funding earning assets0.6368%6,441
Net interest margin2.6989%7,020
Noninterest income to average assets0.8174%1,961
Noninterest expense to average assets2.5891%5,269
Loan and lease loss provision to assets0.0901%4,887
Net operating income to assets0.6190%3,931
Return on assets (ROA)0.6190%4,000
Pretax return on assets0.6190%4,608
Return on Equity (ROE)5.8000%4,018
Retained earnings to average equity (ytd only)-6.9488%6,675
Net charge-offs to loans0.3786%2,553
Credit loss provision to net charge-offs71.4286%3,327
Earnings coverage of net charge-offs (x)5.6190%2,242
Efficiency ratio77.7332%2,882
Assets per employee ($millions)3.2071%5,693
Cash dividends to net income (ytd only)*219.8058%170
Condition Ratios (%)
Loss allowance to loans1.9596%2,519
Loan loss allowance to noncurrent loans219.9191%1,371
Noncurrent assets plus other real estate owned to assets0.3030%6,441
Noncurrent loans to loans0.8911%5,264
Net loans and leases to total assets32.0088%7,167
Net loans and leases to deposits36.0058%7,227
Net loans and leases to core deposits38.9527%7,194
Total domestic deposits to total assets88.8989%1,838
Equity capital to assets10.3828%3,305
Core capital (leverage) ratio9.9922%3,148
Tier 1 risk-based capital ratio22.6401%1,128
Total risk-based capital ratio23.8924%1,108
Memoranda:
Average total assets$332,780,0001,972
Average earning assets$305,898,5001,948
Average equity$35,517,0001,873
Average total loans$110,940,0003,465
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8182%7,244
Cost of funding earning assets0.8370%6,412
Net interest margin2.9812%6,766
Noninterest income to average assets0.7931%2,320
Noninterest expense to average assets2.6090%5,380
Loan and lease loss provision to assets0.0942%6,201
Net operating income to assets0.8264%2,684
Return on assets (ROA)0.8286%2,817
Pretax return on assets0.8286%3,534
Return on Equity (ROE)7.4508%2,916
Retained earnings to average equity (ytd only)3.3639%3,512
Net charge-offs to loans0.1167%5,713
Credit loss provision to net charge-offs218.9781%1,372
Earnings coverage of net charge-offs (x)21.3942%969
Efficiency ratio73.1601%3,567
Assets per employee ($millions)3.1308%5,820
Cash dividends to net income (ytd only)*54.8522%1,852
Condition Ratios (%)
Loss allowance to loans1.9885%2,336
Loan loss allowance to noncurrent loans309.2567%1,002
Noncurrent assets plus other real estate owned to assets0.2325%6,653
Noncurrent loans to loans0.6430%5,766
Net loans and leases to total assets33.3793%7,248
Net loans and leases to deposits37.7517%7,306
Net loans and leases to core deposits41.5770%7,270
Total domestic deposits to total assets88.4181%2,005
Equity capital to assets10.9756%2,708
Core capital (leverage) ratio10.4371%2,622
Tier 1 risk-based capital ratio24.7542%867
Total risk-based capital ratio26.0084%850
Memoranda:
Average total assets$318,357,6002,044
Average earning assets$292,232,0002,031
Average equity$35,405,6001,870
Average total loans$117,432,8003,373
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8339%7,382
Cost of funding earning assets0.8619%6,539
Net interest margin2.9720%6,890
Noninterest income to average assets0.7927%2,273
Noninterest expense to average assets2.6199%5,245
Loan and lease loss provision to assets0.0948%6,074
Net operating income to assets0.8070%2,970
Return on assets (ROA)0.8087%3,110
Pretax return on assets0.8087%3,871
Return on Equity (ROE)7.2473%3,229
Retained earnings to average equity (ytd only)1.7854%5,079
Net charge-offs to loans0.1400%5,182
Credit loss provision to net charge-offs180.0000%2,032
Earnings coverage of net charge-offs (x)17.1283%1,342
Efficiency ratio73.6276%3,393
Assets per employee ($millions)3.1536%5,794
Cash dividends to net income (ytd only)*75.3647%768
Condition Ratios (%)
Loss allowance to loans1.5204%3,868
Loan loss allowance to noncurrent loans444.3983%677
Noncurrent assets plus other real estate owned to assets0.1592%6,955
Noncurrent loans to loans0.3421%6,512
Net loans and leases to total assets42.3034%6,958
Net loans and leases to deposits47.8784%7,090
Net loans and leases to core deposits53.0600%7,007
Total domestic deposits to total assets88.3559%1,760
Equity capital to assets11.0672%2,893
Core capital (leverage) ratio10.6516%2,548
Tier 1 risk-based capital ratio20.1114%1,525
Total risk-based capital ratio21.3616%1,490
Memoranda:
Average total assets$316,546,2502,085
Average earning assets$290,663,0002,073
Average equity$35,322,7501,895
Average total loans$119,068,7503,386
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6667%7,546
Cost of funding earning assets0.8809%6,654
Net interest margin2.7857%7,161
Noninterest income to average assets0.8141%2,046
Noninterest expense to average assets2.6521%5,118
Loan and lease loss provision to assets0.0959%5,953
Net operating income to assets0.6223%3,772
Return on assets (ROA)0.6248%3,896
Pretax return on assets0.6248%4,488
Return on Equity (ROE)5.5832%4,006
Retained earnings to average equity (ytd only)-1.1486%6,005
Net charge-offs to loans0.1592%4,669
Credit loss provision to net charge-offs168.5393%2,329
Earnings coverage of net charge-offs (x)12.6180%1,664
Efficiency ratio77.8748%2,747
Assets per employee ($millions)2.8428%6,472
Cash dividends to net income (ytd only)*120.5732%287
Condition Ratios (%)
Loss allowance to loans1.6460%3,266
Loan loss allowance to noncurrent loans169.0514%1,670
Noncurrent assets plus other real estate owned to assets0.4080%6,425
Noncurrent loans to loans0.9737%5,361
Net loans and leases to total assets40.1848%7,153
Net loans and leases to deposits45.5744%7,267
Net loans and leases to core deposits49.7608%7,222
Total domestic deposits to total assets88.1740%1,905
Equity capital to assets11.3173%2,582
Core capital (leverage) ratio10.5268%2,607
Tier 1 risk-based capital ratio21.2274%1,307
Total risk-based capital ratio22.4790%1,277
Memoranda:
Average total assets$312,735,6702,134
Average earning assets$286,963,3302,105
Average equity$34,997,6701,910
Average total loans$111,795,6703,589
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5346%7,698
Cost of funding earning assets0.8997%6,772
Net interest margin2.6350%7,357
Noninterest income to average assets0.8671%1,748
Noninterest expense to average assets2.6667%5,077
Loan and lease loss provision to assets0.0959%5,673
Net operating income to assets0.5244%4,264
Return on assets (ROA)0.5269%4,392
Pretax return on assets0.5269%4,868
Return on Equity (ROE)4.7354%4,512
Retained earnings to average equity (ytd only)0.0920%5,787
Net charge-offs to loans0.2273%3,558
Credit loss provision to net charge-offs127.1186%2,773
Earnings coverage of net charge-offs (x)8.2203%1,980
Efficiency ratio80.3113%2,516
Assets per employee ($millions)3.0324%6,140
Cash dividends to net income (ytd only)*98.0583%606
Condition Ratios (%)
Loss allowance to loans2.0523%2,054
Loan loss allowance to noncurrent loans405.1181%781
Noncurrent assets plus other real estate owned to assets0.1776%7,031
Noncurrent loans to loans0.5066%6,279
Net loans and leases to total assets31.1438%7,591
Net loans and leases to deposits35.2165%7,639
Net loans and leases to core deposits37.9194%7,623
Total domestic deposits to total assets88.4355%1,834
Equity capital to assets11.0163%2,742
Core capital (leverage) ratio10.4299%2,694
Tier 1 risk-based capital ratio25.2935%834
Total risk-based capital ratio26.5474%811
Memoranda:
Average total assets$312,749,5002,177
Average earning assets$287,214,5002,162
Average equity$34,801,5001,933
Average total loans$103,811,5003,827
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3085%7,553
Cost of funding earning assets1.1270%6,894
Net interest margin3.1814%6,155
Noninterest income to average assets0.8881%1,993
Noninterest expense to average assets2.9164%4,478
Loan and lease loss provision to assets0.1049%6,587
Net operating income to assets0.7444%2,750
Return on assets (ROA)0.7550%2,791
Pretax return on assets0.7686%3,351
Return on Equity (ROE)6.2241%3,115
Retained earnings to average equity (ytd only)1.7087%3,884
Net charge-offs to loans0.2023%5,372
Credit loss provision to net charge-offs129.8701%3,938
Earnings coverage of net charge-offs (x)10.6840%1,655
Efficiency ratio76.3873%3,459
Assets per employee ($millions)2.8984%6,458
Cash dividends to net income (ytd only)*72.5463%1,463
Condition Ratios (%)
Loss allowance to loans1.9022%2,258
Loan loss allowance to noncurrent loans386.0113%861
Noncurrent assets plus other real estate owned to assets0.2434%6,853
Noncurrent loans to loans0.4928%6,269
Net loans and leases to total assets33.9551%7,592
Net loans and leases to deposits38.4835%7,663
Net loans and leases to core deposits47.9566%7,632
Total domestic deposits to total assets88.2330%1,871
Equity capital to assets11.2408%2,503
Core capital (leverage) ratio11.1706%2,130
Tier 1 risk-based capital ratio24.2022%930
Total risk-based capital ratio25.4553%905
Memoranda:
Average total assets$286,101,6002,304
Average earning assets$259,976,4002,329
Average equity$34,704,0001,936
Average total loans$114,166,4003,606
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4479%7,564
Cost of funding earning assets1.1615%6,998
Net interest margin3.2864%5,696
Noninterest income to average assets0.9106%1,933
Noninterest expense to average assets3.0132%3,991
Loan and lease loss provision to assets0.1071%6,305
Net operating income to assets0.7562%3,001
Return on assets (ROA)0.7707%2,995
Pretax return on assets0.7845%3,588
Return on Equity (ROE)6.2271%3,429
Retained earnings to average equity (ytd only)0.2000%5,113
Net charge-offs to loans0.1991%4,819
Credit loss provision to net charge-offs130.0578%3,852
Earnings coverage of net charge-offs (x)10.6474%1,939
Efficiency ratio76.6765%3,385
Assets per employee ($millions)2.5996%7,050
Cash dividends to net income (ytd only)*96.7882%622
Condition Ratios (%)
Loss allowance to loans1.4836%3,528
Loan loss allowance to noncurrent loans474.2389%665
Noncurrent assets plus other real estate owned to assets0.3914%6,482
Noncurrent loans to loans0.3128%6,733
Net loans and leases to total assets47.8943%6,965
Net loans and leases to deposits55.0264%7,144
Net loans and leases to core deposits68.8397%7,026
Total domestic deposits to total assets87.0388%2,166
Equity capital to assets12.3330%2,048
Core capital (leverage) ratio11.4570%2,095
Tier 1 risk-based capital ratio19.9440%1,571
Total risk-based capital ratio21.1932%1,521
Memoranda:
Average total assets$280,094,5002,361
Average earning assets$253,928,5002,393
Average equity$34,664,7501,958
Average total loans$115,871,2503,597
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4025%7,707
Cost of funding earning assets1.1480%7,250
Net interest margin3.2546%5,719
Noninterest income to average assets0.9068%1,959
Noninterest expense to average assets2.9899%4,125
Loan and lease loss provision to assets0.1072%6,083
Net operating income to assets0.7436%3,077
Return on assets (ROA)0.7653%3,098
Pretax return on assets0.7796%3,744
Return on Equity (ROE)6.1769%3,567
Retained earnings to average equity (ytd only)-1.5168%5,619
Net charge-offs to loans0.1211%4,951
Credit loss provision to net charge-offs227.2727%2,021
Earnings coverage of net charge-offs (x)18.3333%1,417
Efficiency ratio76.7890%3,541
Assets per employee ($millions)2.4841%7,286
Cash dividends to net income (ytd only)*124.5565%478
Condition Ratios (%)
Loss allowance to loans1.7450%2,200
Loan loss allowance to noncurrent loans340.5629%925
Noncurrent assets plus other real estate owned to assets0.3418%6,598
Noncurrent loans to loans0.5124%6,246
Net loans and leases to total assets40.8996%7,510
Net loans and leases to deposits46.9463%7,601
Net loans and leases to core deposits58.8543%7,492
Total domestic deposits to total assets87.1200%2,184
Equity capital to assets12.0749%2,161
Core capital (leverage) ratio11.3481%2,170
Tier 1 risk-based capital ratio22.1256%1,233
Total risk-based capital ratio23.3781%1,205
Memoranda:
Average total assets$279,872,6702,374
Average earning assets$253,490,3302,410
Average equity$34,677,6701,956
Average total loans$108,997,3303,787
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4410%7,767
Cost of funding earning assets1.1501%7,415
Net interest margin3.2909%5,525
Noninterest income to average assets0.9403%1,688
Noninterest expense to average assets2.9344%4,037
Loan and lease loss provision to assets0.1078%5,589
Net operating income to assets0.8514%2,906
Return on assets (ROA)0.8756%2,961
Pretax return on assets0.8885%3,756
Return on Equity (ROE)6.9761%3,603
Retained earnings to average equity (ytd only)1.2830%5,120
Net charge-offs to loans0.1416%3,828
Credit loss provision to net charge-offs202.7027%2,189
Earnings coverage of net charge-offs (x)18.2703%1,470
Efficiency ratio74.3467%3,763
Assets per employee ($millions)2.6072%7,079
Cash dividends to net income (ytd only)*81.6092%1,029
Condition Ratios (%)
Loss allowance to loans2.0116%1,390
Loan loss allowance to noncurrent loans272.8630%1,235
Noncurrent assets plus other real estate owned to assets0.3691%6,402
Noncurrent loans to loans0.7372%5,591
Net loans and leases to total assets34.4701%7,790
Net loans and leases to deposits39.4939%7,856
Net loans and leases to core deposits47.5342%7,842
Total domestic deposits to total assets87.2795%2,078
Equity capital to assets12.2275%2,123
Core capital (leverage) ratio11.4658%2,168
Tier 1 risk-based capital ratio24.4053%1,029
Total risk-based capital ratio25.6585%1,009
Memoranda:
Average total assets$278,213,5002,397
Average earning assets$250,754,0002,437
Average equity$34,919,0001,949
Average total loans$104,555,5003,917
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4989%7,307
Cost of funding earning assets1.5686%7,501
Net interest margin3.9303%3,446
Noninterest income to average assets0.8845%2,033
Noninterest expense to average assets2.9901%4,113
Loan and lease loss provision to assets0.1100%5,963
Net operating income to assets1.2641%1,586
Return on assets (ROA)1.3378%1,331
Pretax return on assets1.3521%2,121
Return on Equity (ROE)10.0785%2,231
Retained earnings to average equity (ytd only)-5.9344%6,657
Net charge-offs to loans0.1672%4,528
Credit loss provision to net charge-offs157.8947%3,290
Earnings coverage of net charge-offs (x)19.9158%1,601
Efficiency ratio67.5909%4,801
Assets per employee ($millions)2.5208%7,172
Cash dividends to net income (ytd only)*158.8816%440
Condition Ratios (%)
Loss allowance to loans1.8077%1,616
Loan loss allowance to noncurrent loans523.3422%835
Noncurrent assets plus other real estate owned to assets0.2487%6,585
Noncurrent loans to loans0.3454%6,339
Net loans and leases to total assets39.3650%7,700
Net loans and leases to deposits45.6277%7,796
Net loans and leases to core deposits54.1577%7,797
Total domestic deposits to total assets86.2742%2,274
Equity capital to assets12.8890%1,835
Core capital (leverage) ratio11.8652%2,046
Tier 1 risk-based capital ratio23.5032%1,136
Total risk-based capital ratio24.7552%1,109
Memoranda:
Average total assets$272,696,0002,363
Average earning assets$242,374,2002,433
Average equity$36,195,8001,863
Average total loans$113,637,4003,591