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Geauga Savings Bank, Performance and Condition Ratios

2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0698%1,290
Cost of funding earning assets1.7522%167
Net interest margin3.3176%3,948
Noninterest income to average assets0.0817%4,969
Noninterest expense to average assets2.4817%3,501
Loan and lease loss provision to assets0.1796%1,161
Net operating income to assets0.5018%4,399
Return on assets (ROA)0.3790%4,662
Pretax return on assets0.4809%4,604
Return on Equity (ROE)2.5858%4,729
Retained earnings to average equity (ytd only)-3.5533%4,934
Net charge-offs to loans0.4775%396
Credit loss provision to net charge-offs56.3205%3,072
Earnings coverage of net charge-offs (x)2.5587%3,403
Efficiency ratio75.2565%1,456
Assets per employee ($millions)5.8112%1,785
Cash dividends to net income (ytd only)*237.4169%52
Condition Ratios (%)
Loss allowance to loans0.9159%3,895
Loan loss allowance to noncurrent loans47.0238%4,141
Noncurrent assets plus other real estate owned to assets1.3382%809
Noncurrent loans to loans1.9478%666
Net loans and leases to total assets65.7102%2,984
Net loans and leases to deposits97.3978%808
Net loans and leases to core deposits104.2515%1,214
Total domestic deposits to total assets67.4658%4,995
Equity capital to assets14.6731%872
Core capital (leverage) ratio14.6667%755
Tier 1 risk-based capital ratio20.8264%1,197
Total risk-based capital ratio21.6807%1,229
Memoranda:
Average total assets$277,834,6002,284
Average earning assets$269,318,8002,213
Average equity$40,722,8001,903
Average total loans$185,553,6002,268
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1006%1,282
Cost of funding earning assets1.7482%170
Net interest margin3.3524%3,981
Noninterest income to average assets0.0836%5,034
Noninterest expense to average assets2.2579%4,056
Loan and lease loss provision to assets0.0024%3,812
Net operating income to assets0.8450%3,530
Return on assets (ROA)0.6819%4,132
Pretax return on assets0.8645%3,965
Return on Equity (ROE)4.6536%4,442
Retained earnings to average equity (ytd only)-3.4992%5,011
Net charge-offs to loans0.2057%853
Credit loss provision to net charge-offs1.7361%3,026
Earnings coverage of net charge-offs (x)7.7986%2,712
Efficiency ratio67.7808%2,456
Assets per employee ($millions)5.6088%1,930
Cash dividends to net income (ytd only)*175.1926%84
Condition Ratios (%)
Loss allowance to loans0.9604%3,777
Loan loss allowance to noncurrent loans38.4012%4,378
Noncurrent assets plus other real estate owned to assets1.7240%582
Noncurrent loans to loans2.5010%465
Net loans and leases to total assets66.1495%3,030
Net loans and leases to deposits97.8498%833
Net loans and leases to core deposits104.2318%1,308
Total domestic deposits to total assets67.6031%5,069
Equity capital to assets14.8211%900
Core capital (leverage) ratio14.7276%805
Tier 1 risk-based capital ratio20.8304%1,209
Total risk-based capital ratio21.7301%1,258
Memoranda:
Average total assets$279,012,0002,294
Average earning assets$270,285,7502,228
Average equity$40,884,5001,898
Average total loans$186,659,5002,287
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1081%1,196
Cost of funding earning assets1.7133%174
Net interest margin3.3949%3,909
Noninterest income to average assets0.0599%5,138
Noninterest expense to average assets2.2938%4,018
Loan and lease loss provision to assets0.0036%3,642
Net operating income to assets0.8281%3,550
Return on assets (ROA)0.5891%4,376
Pretax return on assets0.7475%4,223
Return on Equity (ROE)4.0357%4,574
Retained earnings to average equity (ytd only)-8.1788%5,136
Net charge-offs to loans0.2973%573
Credit loss provision to net charge-offs1.7921%2,722
Earnings coverage of net charge-offs (x)5.2939%2,674
Efficiency ratio68.5276%2,442
Assets per employee ($millions)5.5347%1,929
Cash dividends to net income (ytd only)*302.6634%35
Condition Ratios (%)
Loss allowance to loans0.9558%3,858
Loan loss allowance to noncurrent loans36.1190%4,452
Noncurrent assets plus other real estate owned to assets1.8339%541
Noncurrent loans to loans2.6462%421
Net loans and leases to total assets66.3542%3,060
Net loans and leases to deposits94.9659%1,154
Net loans and leases to core deposits100.9633%1,635
Total domestic deposits to total assets69.8716%5,050
Equity capital to assets14.4813%953
Core capital (leverage) ratio14.3322%873
Tier 1 risk-based capital ratio20.6605%1,222
Total risk-based capital ratio21.5708%1,256
Memoranda:
Average total assets$280,405,3302,294
Average earning assets$271,528,6702,218
Average equity$40,935,0001,898
Average total loans$187,691,6702,279
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0712%1,163
Cost of funding earning assets1.6333%204
Net interest margin3.4379%3,784
Noninterest income to average assets0.0227%5,271
Noninterest expense to average assets2.3129%3,986
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.8173%3,561
Return on assets (ROA)0.2877%4,922
Pretax return on assets0.3685%4,878
Return on Equity (ROE)1.9630%4,972
Retained earnings to average equity (ytd only)1.9630%4,080
Net charge-offs to loans0.6037%246
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)2.5719%2,481
Efficiency ratio69.0063%2,499
Assets per employee ($millions)5.9662%1,574
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.9189%4,084
Loan loss allowance to noncurrent loans33.5876%4,570
Noncurrent assets plus other real estate owned to assets1.8497%560
Noncurrent loans to loans2.7358%435
Net loans and leases to total assets66.3046%3,008
Net loans and leases to deposits94.5929%1,102
Net loans and leases to core deposits100.3583%1,591
Total domestic deposits to total assets70.0947%5,109
Equity capital to assets14.5686%864
Core capital (leverage) ratio15.0435%687
Tier 1 risk-based capital ratio20.8228%1,193
Total risk-based capital ratio21.6940%1,235
Memoranda:
Average total assets$282,240,0002,300
Average earning assets$273,309,5002,215
Average equity$41,365,0001,877
Average total loans$188,838,5002,295
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8064%1,536
Cost of funding earning assets1.2447%280
Net interest margin3.5617%3,508
Noninterest income to average assets0.0706%5,228
Noninterest expense to average assets2.4164%3,841
Loan and lease loss provision to assets-0.3081%5,363
Net operating income to assets1.1038%2,581
Return on assets (ROA)0.9356%3,296
Pretax return on assets1.1849%2,936
Return on Equity (ROE)6.1646%4,124
Retained earnings to average equity (ytd only)-5.5820%5,258
Net charge-offs to loans-0.3960%5,330
Credit loss provision to net charge-offs121.6901%2,140
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.9210%2,403
Assets per employee ($millions)5.6774%1,791
Cash dividends to net income (ytd only)*190.5488%54
Condition Ratios (%)
Loss allowance to loans1.0998%3,101
Loan loss allowance to noncurrent loans38.2501%4,513
Noncurrent assets plus other real estate owned to assets1.9565%494
Noncurrent loans to loans2.8753%371
Net loans and leases to total assets66.1367%3,110
Net loans and leases to deposits93.5322%1,331
Net loans and leases to core deposits99.4234%1,764
Total domestic deposits to total assets70.7101%5,133
Equity capital to assets14.7688%771
Core capital (leverage) ratio14.9122%712
Tier 1 risk-based capital ratio22.0354%1,027
Total risk-based capital ratio23.1097%1,033
Memoranda:
Average total assets$280,456,2002,269
Average earning assets$270,515,0002,189
Average equity$42,565,6001,758
Average total loans$179,313,0002,341
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7508%1,544
Cost of funding earning assets1.1637%303
Net interest margin3.5871%3,411
Noninterest income to average assets0.0897%5,244
Noninterest expense to average assets2.3433%3,987
Loan and lease loss provision to assets-0.4099%5,446
Net operating income to assets1.2738%1,953
Return on assets (ROA)1.1216%2,579
Pretax return on assets1.4210%2,151
Return on Equity (ROE)7.3411%3,804
Retained earnings to average equity (ytd only)-8.1857%5,366
Net charge-offs to loans-0.5044%5,401
Credit loss provision to net charge-offs128.5714%1,908
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0647%2,862
Assets per employee ($millions)5.9764%1,504
Cash dividends to net income (ytd only)*211.5060%37
Condition Ratios (%)
Loss allowance to loans1.0922%3,235
Loan loss allowance to noncurrent loans39.7152%4,579
Noncurrent assets plus other real estate owned to assets1.8349%620
Noncurrent loans to loans2.7501%438
Net loans and leases to total assets64.7373%3,341
Net loans and leases to deposits87.8688%2,170
Net loans and leases to core deposits92.4406%2,435
Total domestic deposits to total assets73.6750%5,008
Equity capital to assets14.3615%864
Core capital (leverage) ratio14.7791%762
Tier 1 risk-based capital ratio22.1386%1,032
Total risk-based capital ratio23.2045%1,035
Memoranda:
Average total assets$281,021,5002,273
Average earning assets$270,854,2502,201
Average equity$42,935,5001,741
Average total loans$177,632,5002,366
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7152%1,466
Cost of funding earning assets1.0938%299
Net interest margin3.6214%3,231
Noninterest income to average assets0.1380%5,124
Noninterest expense to average assets2.3197%4,101
Loan and lease loss provision to assets-0.6148%5,521
Net operating income to assets1.5162%1,114
Return on assets (ROA)1.2880%1,825
Pretax return on assets1.6309%1,400
Return on Equity (ROE)8.2647%3,383
Retained earnings to average equity (ytd only)8.2647%1,511
Net charge-offs to loans-1.0652%5,490
Credit loss provision to net charge-offs92.4064%2,137
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9969%3,317
Assets per employee ($millions)5.6219%1,781
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.2573%2,391
Loan loss allowance to noncurrent loans41.4038%4,573
Noncurrent assets plus other real estate owned to assets2.1652%462
Noncurrent loans to loans3.0367%371
Net loans and leases to total assets67.4993%2,945
Net loans and leases to deposits98.1715%955
Net loans and leases to core deposits103.2733%1,456
Total domestic deposits to total assets68.7565%5,317
Equity capital to assets17.0222%401
Core capital (leverage) ratio16.5502%438
Tier 1 risk-based capital ratio24.6955%761
Total risk-based capital ratio25.9107%745
Memoranda:
Average total assets$281,065,6702,281
Average earning assets$270,611,6702,205
Average equity$43,800,6701,710
Average total loans$175,560,6702,395
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4291%2,095
Cost of funding earning assets1.0155%346
Net interest margin3.4136%3,840
Noninterest income to average assets0.1271%5,227
Noninterest expense to average assets2.1735%4,485
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.9810%2,934
Return on assets (ROA)0.5596%4,545
Pretax return on assets0.7088%4,416
Return on Equity (ROE)3.7490%4,834
Retained earnings to average equity (ytd only)3.7490%3,695
Net charge-offs to loans-0.2474%5,415
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.6327%3,541
Assets per employee ($millions)6.0813%1,443
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3137%2,181
Loan loss allowance to noncurrent loans38.6303%4,665
Noncurrent assets plus other real estate owned to assets2.2335%457
Noncurrent loans to loans3.4007%313
Net loans and leases to total assets61.9519%3,557
Net loans and leases to deposits93.3067%1,301
Net loans and leases to core deposits98.3765%1,814
Total domestic deposits to total assets66.3961%5,454
Equity capital to assets15.5594%559
Core capital (leverage) ratio15.3022%591
Tier 1 risk-based capital ratio24.0525%835
Total risk-based capital ratio25.2925%811
Memoranda:
Average total assets$289,483,0002,252
Average earning assets$278,881,0002,187
Average equity$43,212,0001,742
Average total loans$173,028,5002,438
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0401%3,275
Cost of funding earning assets1.1049%124
Net interest margin2.9351%4,997
Noninterest income to average assets0.0185%5,586
Noninterest expense to average assets1.8572%5,183
Loan and lease loss provision to assets-0.3030%5,615
Net operating income to assets0.7657%3,317
Return on assets (ROA)0.8406%3,025
Pretax return on assets1.4179%1,932
Return on Equity (ROE)5.9934%3,769
Retained earnings to average equity (ytd only)-10.4311%5,540
Net charge-offs to loans-0.0371%5,113
Credit loss provision to net charge-offs1,639.3443%236
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0499%3,436
Assets per employee ($millions)7.4806%775
Cash dividends to net income (ytd only)*274.0447%65
Condition Ratios (%)
Loss allowance to loans1.2907%2,261
Loan loss allowance to noncurrent loans58.9812%4,304
Noncurrent assets plus other real estate owned to assets1.4217%988
Noncurrent loans to loans2.1884%668
Net loans and leases to total assets56.2269%4,167
Net loans and leases to deposits87.5296%2,076
Net loans and leases to core deposits91.2149%2,438
Total domestic deposits to total assets64.2376%5,549
Equity capital to assets14.3364%822
Core capital (leverage) ratio13.9584%844
Tier 1 risk-based capital ratio23.1397%899
Total risk-based capital ratio24.2877%890
Memoranda:
Average total assets$330,005,0002,010
Average earning assets$318,928,6001,941
Average equity$46,284,6001,629
Average total loans$164,569,4002,489
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9325%3,578
Cost of funding earning assets1.0763%126
Net interest margin2.8562%5,149
Noninterest income to average assets0.0083%5,671
Noninterest expense to average assets1.8221%5,249
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.6304%4,273
Return on assets (ROA)0.6432%4,271
Pretax return on assets0.9673%3,810
Return on Equity (ROE)4.6083%4,669
Retained earnings to average equity (ytd only)-8.4103%5,599
Net charge-offs to loans0.0523%2,394
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)37.5161%1,364
Efficiency ratio65.7782%3,253
Assets per employee ($millions)7.9753%640
Cash dividends to net income (ytd only)*282.5042%43
Condition Ratios (%)
Loss allowance to loans1.8239%816
Loan loss allowance to noncurrent loans66.6233%4,209
Noncurrent assets plus other real estate owned to assets1.5347%978
Noncurrent loans to loans2.7376%514
Net loans and leases to total assets51.8690%4,576
Net loans and leases to deposits83.2460%2,634
Net loans and leases to core deposits86.6452%2,905
Total domestic deposits to total assets62.3081%5,633
Equity capital to assets14.0831%969
Core capital (leverage) ratio14.0025%889
Tier 1 risk-based capital ratio23.3151%919
Total risk-based capital ratio24.5692%901
Memoranda:
Average total assets$337,700,0001,983
Average earning assets$326,533,7501,920
Average equity$47,131,2501,606
Average total loans$163,100,5002,516
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8855%3,603
Cost of funding earning assets1.0620%121
Net interest margin2.8235%5,212
Noninterest income to average assets0.0145%5,706
Noninterest expense to average assets1.8231%5,285
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.6154%4,235
Return on assets (ROA)0.6228%4,245
Pretax return on assets0.9328%3,818
Return on Equity (ROE)4.4750%4,674
Retained earnings to average equity (ytd only)4.4750%3,050
Net charge-offs to loans0.1426%1,303
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)13.7826%2,114
Efficiency ratio66.4195%3,281
Assets per employee ($millions)8.2147%565
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.7803%922
Loan loss allowance to noncurrent loans78.8060%3,982
Noncurrent assets plus other real estate owned to assets1.2408%1,358
Noncurrent loans to loans2.2591%711
Net loans and leases to total assets49.5189%4,737
Net loans and leases to deposits84.1040%2,462
Net loans and leases to core deposits86.5908%2,824
Total domestic deposits to total assets58.8781%5,710
Equity capital to assets14.5626%810
Core capital (leverage) ratio14.4444%758
Tier 1 risk-based capital ratio25.0990%740
Total risk-based capital ratio26.3524%726
Memoranda:
Average total assets$343,929,0001,958
Average earning assets$332,569,0001,891
Average equity$47,866,0001,589
Average total loans$161,286,3302,537
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7018%4,114
Cost of funding earning assets1.0350%140
Net interest margin2.6668%5,425
Noninterest income to average assets-0.0069%5,824
Noninterest expense to average assets1.7623%5,423
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.5488%4,389
Return on assets (ROA)0.5433%4,451
Pretax return on assets0.8000%4,111
Return on Equity (ROE)3.9936%4,780
Retained earnings to average equity (ytd only)3.9936%3,450
Net charge-offs to loans0.3261%565
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)5.4844%2,291
Efficiency ratio68.5625%3,115
Assets per employee ($millions)8.4447%516
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.8744%826
Loan loss allowance to noncurrent loans71.6837%4,160
Noncurrent assets plus other real estate owned to assets1.3933%1,201
Noncurrent loans to loans2.6149%582
Net loans and leases to total assets45.5107%4,963
Net loans and leases to deposits77.0565%3,072
Net loans and leases to core deposits79.8189%3,315
Total domestic deposits to total assets59.0614%5,776
Equity capital to assets13.8711%944
Core capital (leverage) ratio14.0690%826
Tier 1 risk-based capital ratio25.1005%761
Total risk-based capital ratio26.3538%745
Memoranda:
Average total assets$347,493,0001,949
Average earning assets$335,834,5001,884
Average equity$47,275,5001,604
Average total loans$157,028,0002,618
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6610%4,337
Cost of funding earning assets1.0453%137
Net interest margin2.6157%5,497
Noninterest income to average assets-0.0496%5,880
Noninterest expense to average assets1.5936%5,653
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.6474%4,011
Return on assets (ROA)0.7515%3,649
Pretax return on assets1.0301%3,365
Return on Equity (ROE)5.8838%4,037
Retained earnings to average equity (ytd only)5.8838%1,776
Net charge-offs to loans0.1412%1,850
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)15.0469%2,240
Efficiency ratio64.2299%3,904
Assets per employee ($millions)8.7189%461
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans2.0446%602
Loan loss allowance to noncurrent loans65.3206%4,332
Noncurrent assets plus other real estate owned to assets1.5722%1,030
Noncurrent loans to loans3.1302%420
Net loans and leases to total assets43.1065%5,169
Net loans and leases to deposits73.5197%3,562
Net loans and leases to core deposits77.3103%3,620
Total domestic deposits to total assets58.6326%5,836
Equity capital to assets13.3403%1,114
Core capital (leverage) ratio13.7791%876
Tier 1 risk-based capital ratio25.3783%734
Total risk-based capital ratio26.6329%723
Memoranda:
Average total assets$361,135,0001,847
Average earning assets$349,387,6001,779
Average equity$46,126,8001,635
Average total loans$150,887,2002,627
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6372%4,442
Cost of funding earning assets1.0477%129
Net interest margin2.5895%5,595
Noninterest income to average assets0.0560%5,819
Noninterest expense to average assets1.5510%5,724
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.7501%3,607
Return on assets (ROA)0.8690%3,175
Pretax return on assets1.1729%2,956
Return on Equity (ROE)6.8769%3,625
Retained earnings to average equity (ytd only)6.8769%1,686
Net charge-offs to loans0.1216%1,742
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)20.1827%1,887
Efficiency ratio60.5113%4,463
Assets per employee ($millions)9.1426%389
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans2.1146%590
Loan loss allowance to noncurrent loans52.2177%4,682
Noncurrent assets plus other real estate owned to assets2.0109%775
Noncurrent loans to loans4.0496%267
Net loans and leases to total assets41.7257%5,307
Net loans and leases to deposits74.3596%3,564
Net loans and leases to core deposits78.4711%3,615
Total domestic deposits to total assets56.1134%5,913
Equity capital to assets13.3780%1,302
Core capital (leverage) ratio13.3601%1,044
Tier 1 risk-based capital ratio25.3522%778
Total risk-based capital ratio26.6075%761
Memoranda:
Average total assets$364,230,0001,842
Average earning assets$352,640,5001,761
Average equity$46,027,2501,649
Average total loans$150,240,5002,639
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6618%4,409
Cost of funding earning assets1.0437%127
Net interest margin2.6181%5,654
Noninterest income to average assets0.0556%5,905
Noninterest expense to average assets1.4870%5,845
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.8539%3,081
Return on assets (ROA)0.9635%2,703
Pretax return on assets1.2454%2,619
Return on Equity (ROE)7.7723%3,106
Retained earnings to average equity (ytd only)7.7723%1,260
Net charge-offs to loans0.0428%2,610
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)63.2188%846
Efficiency ratio57.4105%4,979
Assets per employee ($millions)9.9349%294
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans2.2342%519
Loan loss allowance to noncurrent loans45.2797%4,933
Noncurrent assets plus other real estate owned to assets2.2226%686
Noncurrent loans to loans4.9342%175
Net loans and leases to total assets39.5104%5,444
Net loans and leases to deposits66.0183%4,343
Net loans and leases to core deposits69.9550%4,328
Total domestic deposits to total assets59.8476%5,973
Equity capital to assets12.7786%1,619
Core capital (leverage) ratio13.0101%1,147
Tier 1 risk-based capital ratio25.2620%790
Total risk-based capital ratio26.5181%774
Memoranda:
Average total assets$366,786,0001,827
Average earning assets$355,067,3301,748
Average equity$45,469,3301,665
Average total loans$149,656,6702,653
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7909%3,976
Cost of funding earning assets1.0502%121
Net interest margin2.7407%5,555
Noninterest income to average assets0.1616%5,526
Noninterest expense to average assets1.5765%5,850
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.9145%2,678
Return on assets (ROA)0.9444%2,652
Pretax return on assets1.2752%2,405
Return on Equity (ROE)7.7375%3,068
Retained earnings to average equity (ytd only)7.7375%1,575
Net charge-offs to loans-0.2530%5,900
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.0777%5,185
Assets per employee ($millions)9.6303%321
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans2.3179%500
Loan loss allowance to noncurrent loans46.3421%4,915
Noncurrent assets plus other real estate owned to assets2.2872%696
Noncurrent loans to loans5.0016%194
Net loans and leases to total assets39.6845%5,462
Net loans and leases to deposits66.2382%4,230
Net loans and leases to core deposits69.9325%4,247
Total domestic deposits to total assets59.9118%6,037
Equity capital to assets12.4913%1,684
Core capital (leverage) ratio12.6554%1,282
Tier 1 risk-based capital ratio24.7064%844
Total risk-based capital ratio25.9632%823
Memoranda:
Average total assets$366,383,0001,832
Average earning assets$354,217,5001,757
Average equity$44,717,5001,686
Average total loans$150,207,0002,644
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3868%5,189
Cost of funding earning assets1.0709%118
Net interest margin2.3159%5,938
Noninterest income to average assets-0.1523%6,153
Noninterest expense to average assets1.7117%5,831
Loan and lease loss provision to assets0.0333%3,695
Net operating income to assets0.2841%5,401
Return on assets (ROA)0.3928%5,154
Pretax return on assets0.4630%5,193
Return on Equity (ROE)3.1525%5,248
Retained earnings to average equity (ytd only)3.1525%3,810
Net charge-offs to loans0.4074%699
Credit loss provision to net charge-offs19.0476%3,754
Earnings coverage of net charge-offs (x)2.1079%3,975
Efficiency ratio82.2886%1,366
Assets per employee ($millions)10.4804%234
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans2.2084%585
Loan loss allowance to noncurrent loans31.4058%5,305
Noncurrent assets plus other real estate owned to assets3.2291%394
Noncurrent loans to loans7.0317%103
Net loans and leases to total assets40.4539%5,487
Net loans and leases to deposits67.8768%4,140
Net loans and leases to core deposits71.8141%4,150
Total domestic deposits to total assets59.5990%6,095
Equity capital to assets11.9196%2,019
Core capital (leverage) ratio12.6047%1,306
Tier 1 risk-based capital ratio24.0861%918
Total risk-based capital ratio25.3427%899
Memoranda:
Average total assets$360,459,4001,824
Average earning assets$347,467,8001,749
Average equity$44,916,6001,642
Average total loans$154,624,2002,535
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3761%5,256
Cost of funding earning assets1.0657%121
Net interest margin2.3104%6,029
Noninterest income to average assets-0.1245%6,239
Noninterest expense to average assets1.7655%5,827
Loan and lease loss provision to assets0.0446%3,320
Net operating income to assets0.2267%5,623
Return on assets (ROA)0.3585%5,380
Pretax return on assets0.4607%5,324
Return on Equity (ROE)2.8456%5,440
Retained earnings to average equity (ytd only)2.8456%4,415
Net charge-offs to loans0.6137%364
Credit loss provision to net charge-offs16.7832%3,389
Earnings coverage of net charge-offs (x)1.2657%3,859
Efficiency ratio84.0021%1,170
Assets per employee ($millions)9.7874%293
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans2.1894%679
Loan loss allowance to noncurrent loans30.9779%5,417
Noncurrent assets plus other real estate owned to assets3.4579%380
Noncurrent loans to loans7.0676%98
Net loans and leases to total assets40.2914%5,575
Net loans and leases to deposits68.7202%4,119
Net loans and leases to core deposits72.6073%4,141
Total domestic deposits to total assets58.6311%6,189
Equity capital to assets12.3665%1,817
Core capital (leverage) ratio12.6605%1,341
Tier 1 risk-based capital ratio24.9117%865
Total risk-based capital ratio26.1696%854
Memoranda:
Average total assets$358,870,5001,840
Average earning assets$345,796,5001,765
Average equity$45,215,0001,645
Average total loans$155,344,7502,540
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3194%5,400
Cost of funding earning assets1.0579%124
Net interest margin2.2615%6,119
Noninterest income to average assets-0.1124%6,305
Noninterest expense to average assets1.8307%5,812
Loan and lease loss provision to assets0.0335%3,444
Net operating income to assets0.1502%5,808
Return on assets (ROA)0.2571%5,642
Pretax return on assets0.3443%5,585
Return on Equity (ROE)2.0283%5,675
Retained earnings to average equity (ytd only)2.0283%4,685
Net charge-offs to loans0.6798%334
Credit loss provision to net charge-offs11.2150%3,088
Earnings coverage of net charge-offs (x)0.7869%3,623
Efficiency ratio88.6093%866
Assets per employee ($millions)9.7838%282
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans2.1610%776
Loan loss allowance to noncurrent loans29.4332%5,514
Noncurrent assets plus other real estate owned to assets4.0538%328
Noncurrent loans to loans7.3421%108
Net loans and leases to total assets43.5240%5,402
Net loans and leases to deposits72.1618%3,707
Net loans and leases to core deposits76.3502%3,729
Total domestic deposits to total assets60.3145%6,247
Equity capital to assets12.8546%1,466
Core capital (leverage) ratio12.6762%1,302
Tier 1 risk-based capital ratio24.3695%922
Total risk-based capital ratio25.6280%909
Memoranda:
Average total assets$357,783,3301,855
Average earning assets$344,645,3301,775
Average equity$45,359,0001,641
Average total loans$157,401,6702,517
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2794%5,492
Cost of funding earning assets1.0594%127
Net interest margin2.2200%6,195
Noninterest income to average assets-0.1764%6,377
Noninterest expense to average assets1.6385%6,074
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.2970%5,430
Return on assets (ROA)0.4393%5,034
Pretax return on assets0.4804%5,227
Return on Equity (ROE)3.4889%5,181
Retained earnings to average equity (ytd only)3.4889%3,901
Net charge-offs to loans0.3372%724
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)2.1955%2,808
Efficiency ratio83.4935%1,433
Assets per employee ($millions)9.1546%344
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.3955%618
Loan loss allowance to noncurrent loans27.4562%5,592
Noncurrent assets plus other real estate owned to assets4.5377%295
Noncurrent loans to loans8.7247%81
Net loans and leases to total assets42.5453%5,445
Net loans and leases to deposits70.5627%3,685
Net loans and leases to core deposits74.2601%3,755
Total domestic deposits to total assets60.2943%6,318
Equity capital to assets12.8096%1,506
Core capital (leverage) ratio12.4804%1,370
Tier 1 risk-based capital ratio24.5939%927
Total risk-based capital ratio25.8538%910
Memoranda:
Average total assets$360,566,5001,839
Average earning assets$347,380,5001,774
Average equity$45,400,5001,640
Average total loans$157,760,0002,517
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5146%5,285
Cost of funding earning assets1.1097%126
Net interest margin2.4050%6,224
Noninterest income to average assets-0.0118%6,413
Noninterest expense to average assets1.7992%6,065
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.4471%5,040
Return on assets (ROA)0.4276%5,198
Pretax return on assets0.4805%5,299
Return on Equity (ROE)3.5849%5,268
Retained earnings to average equity (ytd only)3.5849%3,669
Net charge-offs to loans0.7008%531
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)1.5433%4,397
Efficiency ratio78.1730%2,192
Assets per employee ($millions)9.8406%265
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans2.4147%613
Loan loss allowance to noncurrent loans27.0340%5,725
Noncurrent assets plus other real estate owned to assets4.5026%343
Noncurrent loans to loans8.9322%86
Net loans and leases to total assets42.8537%5,551
Net loans and leases to deposits68.9717%4,034
Net loans and leases to core deposits72.3268%4,090
Total domestic deposits to total assets62.1322%6,384
Equity capital to assets12.3775%1,717
Core capital (leverage) ratio11.9798%1,631
Tier 1 risk-based capital ratio24.5624%883
Total risk-based capital ratio25.8236%866
Memoranda:
Average total assets$365,274,0001,785
Average earning assets$351,358,2001,703
Average equity$43,571,6001,655
Average total loans$169,671,0002,321
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5868%5,176
Cost of funding earning assets1.0840%162
Net interest margin2.5028%6,222
Noninterest income to average assets-0.0460%6,509
Noninterest expense to average assets1.9144%5,927
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.3511%5,421
Return on assets (ROA)0.3202%5,597
Pretax return on assets0.4063%5,567
Return on Equity (ROE)2.7100%5,650
Retained earnings to average equity (ytd only)2.7100%4,661
Net charge-offs to loans0.6352%566
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)1.4890%4,149
Efficiency ratio81.1283%1,737
Assets per employee ($millions)10.4245%213
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.5649%604
Loan loss allowance to noncurrent loans27.8619%5,787
Noncurrent assets plus other real estate owned to assets4.8019%368
Noncurrent loans to loans9.2058%92
Net loans and leases to total assets44.0412%5,519
Net loans and leases to deposits72.7042%3,596
Net loans and leases to core deposits75.6300%3,792
Total domestic deposits to total assets60.5759%6,485
Equity capital to assets12.1017%1,977
Core capital (leverage) ratio11.9699%1,712
Tier 1 risk-based capital ratio23.7622%1,017
Total risk-based capital ratio25.0254%998
Memoranda:
Average total assets$365,566,5001,793
Average earning assets$351,390,0001,713
Average equity$43,197,7501,672
Average total loans$172,115,5002,320
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6097%5,123
Cost of funding earning assets1.0790%168
Net interest margin2.5307%6,237
Noninterest income to average assets-0.0508%6,586
Noninterest expense to average assets1.9907%5,853
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.2346%5,747
Return on assets (ROA)0.1618%5,963
Pretax return on assets0.2761%5,826
Return on Equity (ROE)1.3806%5,973
Retained earnings to average equity (ytd only)1.3806%5,191
Net charge-offs to loans0.6212%634
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)1.3155%3,843
Efficiency ratio83.6243%1,560
Assets per employee ($millions)10.4556%205
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.6169%594
Loan loss allowance to noncurrent loans28.6186%5,816
Noncurrent assets plus other real estate owned to assets4.9450%370
Noncurrent loans to loans9.1441%94
Net loans and leases to total assets45.8420%5,375
Net loans and leases to deposits75.7177%3,095
Net loans and leases to core deposits78.3501%3,399
Total domestic deposits to total assets60.5434%6,553
Equity capital to assets11.9865%1,993
Core capital (leverage) ratio11.8432%1,756
Tier 1 risk-based capital ratio22.9044%1,124
Total risk-based capital ratio24.1688%1,106
Memoranda:
Average total assets$365,802,6701,791
Average earning assets$351,445,0001,711
Average equity$42,879,0001,665
Average total loans$174,514,6702,299
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6636%4,965
Cost of funding earning assets1.0761%184
Net interest margin2.5876%6,253
Noninterest income to average assets-0.1192%6,667
Noninterest expense to average assets2.0004%5,886
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.1524%5,920
Return on assets (ROA)0.1083%6,042
Pretax return on assets0.2942%5,733
Return on Equity (ROE)0.9343%6,053
Retained earnings to average equity (ytd only)0.9343%5,225
Net charge-offs to loans0.6696%550
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)1.1293%3,174
Efficiency ratio84.6367%1,598
Assets per employee ($millions)9.5307%277
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.7523%584
Loan loss allowance to noncurrent loans29.7269%5,859
Noncurrent assets plus other real estate owned to assets5.1305%389
Noncurrent loans to loans9.2586%116
Net loans and leases to total assets46.4003%5,290
Net loans and leases to deposits75.9201%2,819
Net loans and leases to core deposits78.5130%3,146
Total domestic deposits to total assets61.1173%6,633
Equity capital to assets11.8222%2,000
Core capital (leverage) ratio11.5862%1,908
Tier 1 risk-based capital ratio22.9390%1,154
Total risk-based capital ratio24.2051%1,138
Memoranda:
Average total assets$365,731,0001,795
Average earning assets$350,907,0001,720
Average equity$42,386,5001,686
Average total loans$175,639,5002,277
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6184%5,360
Cost of funding earning assets1.1298%241
Net interest margin2.4886%6,381
Noninterest income to average assets-0.1825%6,751
Noninterest expense to average assets2.0063%6,016
Loan and lease loss provision to assets0.5197%534
Net operating income to assets-0.3215%6,425
Return on assets (ROA)-0.2172%6,385
Pretax return on assets-0.2172%6,365
Return on Equity (ROE)-1.9604%6,379
Retained earnings to average equity (ytd only)-1.9604%6,174
Net charge-offs to loans1.5166%309
Credit loss provision to net charge-offs71.6513%3,258
Earnings coverage of net charge-offs (x)0.2732%4,994
Efficiency ratio91.0108%951
Assets per employee ($millions)8.3931%404
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.8295%572
Loan loss allowance to noncurrent loans28.7226%5,980
Noncurrent assets plus other real estate owned to assets5.3848%408
Noncurrent loans to loans9.8511%113
Net loans and leases to total assets46.9615%5,403
Net loans and leases to deposits77.5214%2,786
Net loans and leases to core deposits80.8054%3,035
Total domestic deposits to total assets60.5788%6,709
Equity capital to assets11.3613%2,278
Core capital (leverage) ratio11.1944%2,203
Tier 1 risk-based capital ratio22.1078%1,239
Total risk-based capital ratio23.3750%1,212
Memoranda:
Average total assets$389,083,4001,694
Average earning assets$373,178,0001,618
Average equity$43,102,6001,627
Average total loans$186,068,2002,145
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5915%5,465
Cost of funding earning assets1.1330%260
Net interest margin2.4585%6,466
Noninterest income to average assets-0.2355%6,841
Noninterest expense to average assets2.0171%5,980
Loan and lease loss provision to assets0.5928%416
Net operating income to assets-0.4869%6,593
Return on assets (ROA)-0.4236%6,583
Pretax return on assets-0.4236%6,568
Return on Equity (ROE)-3.8473%6,566
Retained earnings to average equity (ytd only)-3.8473%6,431
Net charge-offs to loans1.6903%251
Credit loss provision to net charge-offs73.5208%2,991
Earnings coverage of net charge-offs (x)0.1313%4,821
Efficiency ratio95.0112%677
Assets per employee ($millions)8.7975%338
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.8572%641
Loan loss allowance to noncurrent loans27.7518%6,064
Noncurrent assets plus other real estate owned to assets5.4724%484
Noncurrent loans to loans10.2957%123
Net loans and leases to total assets45.8397%5,563
Net loans and leases to deposits77.2516%2,782
Net loans and leases to core deposits80.1782%3,114
Total domestic deposits to total assets59.3382%6,789
Equity capital to assets10.7955%2,958
Core capital (leverage) ratio10.6865%2,804
Tier 1 risk-based capital ratio21.2159%1,453
Total risk-based capital ratio22.4830%1,415
Memoranda:
Average total assets$394,030,2501,681
Average earning assets$377,996,5001,606
Average equity$43,389,0001,624
Average total loans$187,966,0002,124
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5472%5,591
Cost of funding earning assets1.1354%281
Net interest margin2.4118%6,545
Noninterest income to average assets-0.2468%6,879
Noninterest expense to average assets2.0038%6,040
Loan and lease loss provision to assets0.6949%341
Net operating income to assets-0.6454%6,679
Return on assets (ROA)-0.5520%6,662
Pretax return on assets-0.5389%6,645
Return on Equity (ROE)-4.9815%6,641
Retained earnings to average equity (ytd only)-4.9815%6,459
Net charge-offs to loans1.8015%259
Credit loss provision to net charge-offs80.5734%2,613
Earnings coverage of net charge-offs (x)0.0726%4,521
Efficiency ratio96.9719%617
Assets per employee ($millions)9.2130%279
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.9387%624
Loan loss allowance to noncurrent loans26.4323%6,137
Noncurrent assets plus other real estate owned to assets5.9923%456
Noncurrent loans to loans11.1178%113
Net loans and leases to total assets46.0051%5,530
Net loans and leases to deposits76.1908%2,846
Net loans and leases to core deposits79.1434%3,142
Total domestic deposits to total assets60.3815%6,837
Equity capital to assets10.6919%3,067
Core capital (leverage) ratio10.5962%2,771
Tier 1 risk-based capital ratio20.6767%1,576
Total risk-based capital ratio21.9445%1,539
Memoranda:
Average total assets$396,344,3301,668
Average earning assets$380,132,3301,599
Average equity$43,922,6701,606
Average total loans$189,735,0002,103
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6920%5,196
Cost of funding earning assets1.1419%298
Net interest margin2.5501%6,441
Noninterest income to average assets-0.2583%6,963
Noninterest expense to average assets1.9322%6,226
Loan and lease loss provision to assets1.3137%116
Net operating income to assets-1.0086%6,809
Return on assets (ROA)-0.8869%6,793
Pretax return on assets-0.9313%6,789
Return on Equity (ROE)-7.8648%6,761
Retained earnings to average equity (ytd only)-7.8648%6,515
Net charge-offs to loans2.3994%177
Credit loss provision to net charge-offs113.8112%1,657
Earnings coverage of net charge-offs (x)0.2203%3,743
Efficiency ratio88.3710%1,292
Assets per employee ($millions)9.3131%282
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans3.2125%541
Loan loss allowance to noncurrent loans31.3980%5,977
Noncurrent assets plus other real estate owned to assets5.6877%595
Noncurrent loans to loans10.2316%201
Net loans and leases to total assets45.2004%5,524
Net loans and leases to deposits75.9749%2,638
Net loans and leases to core deposits78.9297%2,943
Total domestic deposits to total assets59.4939%6,919
Equity capital to assets11.1239%2,820
Core capital (leverage) ratio10.9102%2,342
Tier 1 risk-based capital ratio21.3449%1,464
Total risk-based capital ratio22.6165%1,434
Memoranda:
Average total assets$396,437,5001,687
Average earning assets$380,062,0001,610
Average equity$44,705,5001,598
Average total loans$190,717,0002,103
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1649%4,708
Cost of funding earning assets1.2687%417
Net interest margin2.8962%6,231
Noninterest income to average assets-0.4125%7,022
Noninterest expense to average assets1.9770%6,371
Loan and lease loss provision to assets0.5691%991
Net operating income to assets-0.1304%6,315
Return on assets (ROA)0.2258%5,909
Pretax return on assets0.3425%5,735
Return on Equity (ROE)2.0462%5,885
Retained earnings to average equity (ytd only)2.0462%4,786
Net charge-offs to loans1.5775%544
Credit loss provision to net charge-offs70.6626%4,135
Earnings coverage of net charge-offs (x)0.4616%5,259
Efficiency ratio84.1716%1,610
Assets per employee ($millions)8.9185%330
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.0090%656
Loan loss allowance to noncurrent loans30.0555%6,063
Noncurrent assets plus other real estate owned to assets5.9957%578
Noncurrent loans to loans10.0116%233
Net loans and leases to total assets48.0528%5,416
Net loans and leases to deposits81.6511%2,053
Net loans and leases to core deposits84.5162%2,488
Total domestic deposits to total assets58.8514%6,980
Equity capital to assets11.4329%2,506
Core capital (leverage) ratio11.1562%2,119
Tier 1 risk-based capital ratio22.9291%1,121
Total risk-based capital ratio24.2015%1,103
Memoranda:
Average total assets$402,941,2001,628
Average earning assets$384,160,0001,564
Average equity$44,473,4001,565
Average total loans$205,710,0001,958
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2570%4,619
Cost of funding earning assets1.2953%444
Net interest margin2.9617%6,249
Noninterest income to average assets-0.4836%7,129
Noninterest expense to average assets1.9560%6,433
Loan and lease loss provision to assets0.4113%1,556
Net operating income to assets-0.0197%6,308
Return on assets (ROA)0.3031%5,806
Pretax return on assets0.4593%5,566
Return on Equity (ROE)2.7702%5,763
Retained earnings to average equity (ytd only)2.7702%4,890
Net charge-offs to loans1.2711%750
Credit loss provision to net charge-offs62.9276%4,077
Earnings coverage of net charge-offs (x)0.5835%5,026
Efficiency ratio83.6850%1,630
Assets per employee ($millions)9.7987%257
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.0571%675
Loan loss allowance to noncurrent loans34.3840%5,921
Noncurrent assets plus other real estate owned to assets5.8691%696
Noncurrent loans to loans8.8910%315
Net loans and leases to total assets49.0693%5,427
Net loans and leases to deposits83.2703%1,963
Net loans and leases to core deposits85.9485%2,472
Total domestic deposits to total assets58.9277%7,076
Equity capital to assets11.4775%2,768
Core capital (leverage) ratio11.1297%2,274
Tier 1 risk-based capital ratio22.8723%1,187
Total risk-based capital ratio24.1460%1,162
Memoranda:
Average total assets$405,573,5001,626
Average earning assets$386,299,2501,567
Average equity$44,375,7501,585
Average total loans$208,533,7501,950
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3218%4,482
Cost of funding earning assets1.3260%468
Net interest margin2.9958%6,251
Noninterest income to average assets-0.5267%7,191
Noninterest expense to average assets1.9702%6,492
Loan and lease loss provision to assets0.1102%4,148
Net operating income to assets0.1611%6,019
Return on assets (ROA)0.5194%4,997
Pretax return on assets0.7871%4,518
Return on Equity (ROE)4.8220%4,887
Retained earnings to average equity (ytd only)4.8220%3,391
Net charge-offs to loans0.8749%1,259
Credit loss provision to net charge-offs24.3797%4,541
Earnings coverage of net charge-offs (x)0.7843%4,664
Efficiency ratio84.7493%1,560
Assets per employee ($millions)9.5838%263
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.9739%797
Loan loss allowance to noncurrent loans33.0552%6,014
Noncurrent assets plus other real estate owned to assets5.9083%728
Noncurrent loans to loans8.9967%342
Net loans and leases to total assets49.4517%5,426
Net loans and leases to deposits82.7907%2,009
Net loans and leases to core deposits85.1104%2,542
Total domestic deposits to total assets59.7310%7,136
Equity capital to assets11.1098%3,007
Core capital (leverage) ratio10.9338%2,363
Tier 1 risk-based capital ratio22.2731%1,240
Total risk-based capital ratio23.5456%1,218
Memoranda:
Average total assets$410,115,3301,614
Average earning assets$390,345,3301,552
Average equity$44,172,3301,582
Average total loans$211,914,6701,929
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3900%4,365
Cost of funding earning assets1.4006%426
Net interest margin2.9894%6,310
Noninterest income to average assets-0.4803%7,251
Noninterest expense to average assets1.8468%6,744
Loan and lease loss provision to assets0.0879%4,268
Net operating income to assets0.2790%5,723
Return on assets (ROA)0.7605%3,808
Pretax return on assets1.1529%3,100
Return on Equity (ROE)7.1710%3,675
Retained earnings to average equity (ytd only)7.1710%2,335
Net charge-offs to loans0.8249%1,246
Credit loss provision to net charge-offs20.4955%3,765
Earnings coverage of net charge-offs (x)1.1914%3,740
Efficiency ratio78.3197%2,451
Assets per employee ($millions)9.9805%238
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.0405%803
Loan loss allowance to noncurrent loans32.2821%6,053
Noncurrent assets plus other real estate owned to assets6.5638%681
Noncurrent loans to loans9.4185%338
Net loans and leases to total assets50.2573%5,267
Net loans and leases to deposits83.0939%1,783
Net loans and leases to core deposits85.9133%2,302
Total domestic deposits to total assets60.4826%7,191
Equity capital to assets10.8333%3,102
Core capital (leverage) ratio10.5922%2,652
Tier 1 risk-based capital ratio21.6117%1,357
Total risk-based capital ratio22.8853%1,328
Memoranda:
Average total assets$413,914,0001,605
Average earning assets$392,985,0001,548
Average equity$43,899,0001,584
Average total loans$215,295,5001,900
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8524%3,577
Cost of funding earning assets1.6146%447
Net interest margin3.2377%5,985
Noninterest income to average assets-0.3181%7,212
Noninterest expense to average assets1.9333%6,787
Loan and lease loss provision to assets0.5714%1,818
Net operating income to assets0.1892%5,623
Return on assets (ROA)0.2436%5,590
Pretax return on assets0.3259%5,491
Return on Equity (ROE)2.4137%5,500
Retained earnings to average equity (ytd only)2.4137%4,498
Net charge-offs to loans1.6773%917
Credit loss provision to net charge-offs60.1198%5,166
Earnings coverage of net charge-offs (x)0.8677%5,149
Efficiency ratio70.0955%3,937
Assets per employee ($millions)10.2104%217
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans3.1132%738
Loan loss allowance to noncurrent loans37.5531%5,742
Noncurrent assets plus other real estate owned to assets6.0450%807
Noncurrent loans to loans8.2902%472
Net loans and leases to total assets50.5669%5,519
Net loans and leases to deposits82.1166%2,183
Net loans and leases to core deposits96.7681%1,432
Total domestic deposits to total assets61.5793%7,210
Equity capital to assets10.3835%3,679
Core capital (leverage) ratio10.2565%3,018
Tier 1 risk-based capital ratio20.7279%1,473
Total risk-based capital ratio22.0030%1,443
Memoranda:
Average total assets$421,561,2001,545
Average earning assets$400,526,2001,486
Average equity$42,548,4001,577
Average total loans$238,890,0001,753
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9936%3,109
Cost of funding earning assets1.6428%491
Net interest margin3.3508%5,716
Noninterest income to average assets-0.2823%7,294
Noninterest expense to average assets1.9430%6,802
Loan and lease loss provision to assets0.4951%2,009
Net operating income to assets0.3524%5,198
Return on assets (ROA)0.3943%5,209
Pretax return on assets0.5175%5,101
Return on Equity (ROE)3.9351%5,025
Retained earnings to average equity (ytd only)3.9351%3,924
Net charge-offs to loans1.2273%1,270
Credit loss provision to net charge-offs69.8130%4,490
Earnings coverage of net charge-offs (x)1.3500%4,605
Efficiency ratio66.9933%4,523
Assets per employee ($millions)9.8113%263
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.3435%636
Loan loss allowance to noncurrent loans37.8066%5,757
Noncurrent assets plus other real estate owned to assets6.5461%788
Noncurrent loans to loans8.8437%454
Net loans and leases to total assets52.9132%5,335
Net loans and leases to deposits85.7777%1,711
Net loans and leases to core deposits100.2803%1,222
Total domestic deposits to total assets61.6865%7,283
Equity capital to assets10.5185%3,684
Core capital (leverage) ratio10.2862%3,098
Tier 1 risk-based capital ratio19.8050%1,732
Total risk-based capital ratio21.0834%1,700
Memoranda:
Average total assets$422,295,0001,554
Average earning assets$401,089,2501,503
Average equity$42,318,5001,592
Average total loans$243,990,5001,728
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1307%2,544
Cost of funding earning assets1.6781%506
Net interest margin3.4526%5,357
Noninterest income to average assets-0.3130%7,385
Noninterest expense to average assets1.9482%6,878
Loan and lease loss provision to assets0.3778%2,527
Net operating income to assets0.4764%4,610
Return on assets (ROA)0.4839%4,718
Pretax return on assets0.6477%4,581
Return on Equity (ROE)4.9096%4,494
Retained earnings to average equity (ytd only)4.9096%3,053
Net charge-offs to loans1.1976%1,306
Credit loss provision to net charge-offs53.6651%4,492
Earnings coverage of net charge-offs (x)1.4425%4,207
Efficiency ratio65.7348%4,926
Assets per employee ($millions)10.1190%235
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans3.2322%738
Loan loss allowance to noncurrent loans38.1563%5,759
Noncurrent assets plus other real estate owned to assets6.6494%792
Noncurrent loans to loans8.4709%507
Net loans and leases to total assets54.3198%5,247
Net loans and leases to deposits88.4443%1,435
Net loans and leases to core deposits101.2704%1,233
Total domestic deposits to total assets61.4169%7,356
Equity capital to assets10.1544%3,940
Core capital (leverage) ratio10.1983%3,036
Tier 1 risk-based capital ratio19.0201%1,841
Total risk-based capital ratio20.2966%1,790
Memoranda:
Average total assets$422,431,6701,569
Average earning assets$400,919,6701,510
Average equity$41,632,6701,611
Average total loans$248,335,6701,717
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2266%2,131
Cost of funding earning assets1.6969%554
Net interest margin3.5298%4,882
Noninterest income to average assets-0.3581%7,470
Noninterest expense to average assets2.0135%6,812
Loan and lease loss provision to assets0.2507%3,149
Net operating income to assets0.5936%4,062
Return on assets (ROA)0.5936%4,134
Pretax return on assets0.7285%4,192
Return on Equity (ROE)6.1168%3,832
Retained earnings to average equity (ytd only)6.1168%2,565
Net charge-offs to loans0.8909%1,486
Credit loss provision to net charge-offs46.8085%3,822
Earnings coverage of net charge-offs (x)1.8280%3,390
Efficiency ratio67.2802%4,792
Assets per employee ($millions)10.2082%228
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.2596%738
Loan loss allowance to noncurrent loans38.0210%5,764
Noncurrent assets plus other real estate owned to assets6.8104%802
Noncurrent loans to loans8.5731%542
Net loans and leases to total assets57.4378%4,731
Net loans and leases to deposits93.3722%885
Net loans and leases to core deposits105.7373%952
Total domestic deposits to total assets61.5149%7,410
Equity capital to assets9.8209%4,012
Core capital (leverage) ratio10.1329%2,993
Tier 1 risk-based capital ratio18.6040%1,924
Total risk-based capital ratio19.8821%1,866
Memoranda:
Average total assets$421,147,5001,583
Average earning assets$399,798,0001,518
Average equity$40,871,0001,633
Average total loans$253,218,5001,711
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3276%2,992
Cost of funding earning assets2.1553%354
Net interest margin3.1723%6,330
Noninterest income to average assets-0.1701%7,452
Noninterest expense to average assets2.1211%6,795
Loan and lease loss provision to assets1.0217%1,585
Net operating income to assets-0.4296%6,340
Return on assets (ROA)-0.2398%6,207
Pretax return on assets-0.1063%6,003
Return on Equity (ROE)-2.4770%6,230
Retained earnings to average equity (ytd only)-2.4770%6,046
Net charge-offs to loans1.7366%1,244
Credit loss provision to net charge-offs91.3035%5,071
Earnings coverage of net charge-offs (x)0.6485%5,462
Efficiency ratio74.5093%3,294
Assets per employee ($millions)9.4169%291
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans3.2566%699
Loan loss allowance to noncurrent loans37.2621%5,822
Noncurrent assets plus other real estate owned to assets7.0686%767
Noncurrent loans to loans8.7397%545
Net loans and leases to total assets58.8870%4,872
Net loans and leases to deposits96.2490%849
Net loans and leases to core deposits108.8601%994
Total domestic deposits to total assets61.1819%7,494
Equity capital to assets9.5899%4,286
Core capital (leverage) ratio9.9233%3,171
Tier 1 risk-based capital ratio17.7179%2,086
Total risk-based capital ratio18.9962%2,043
Memoranda:
Average total assets$436,704,0001,527
Average earning assets$415,311,0001,464
Average equity$42,269,4001,569
Average total loans$281,414,2001,590
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4022%2,870
Cost of funding earning assets2.2409%335
Net interest margin3.1613%6,452
Noninterest income to average assets-0.2000%7,593
Noninterest expense to average assets2.0720%6,909
Loan and lease loss provision to assets1.1635%1,242
Net operating income to assets-0.4607%6,565
Return on assets (ROA)-0.4419%6,593
Pretax return on assets-0.4082%6,501
Return on Equity (ROE)-4.5550%6,618
Retained earnings to average equity (ytd only)-4.5550%6,523
Net charge-offs to loans1.6327%1,210
Credit loss provision to net charge-offs109.1245%3,896
Earnings coverage of net charge-offs (x)0.6907%5,357
Efficiency ratio73.7779%3,366
Assets per employee ($millions)9.6175%288
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans3.3610%597
Loan loss allowance to noncurrent loans34.3473%6,038
Noncurrent assets plus other real estate owned to assets7.6646%671
Noncurrent loans to loans9.7854%443
Net loans and leases to total assets62.1437%4,497
Net loans and leases to deposits102.0791%530
Net loans and leases to core deposits113.2494%875
Total domestic deposits to total assets60.8780%7,579
Equity capital to assets10.0792%4,056
Core capital (leverage) ratio9.8164%3,465
Tier 1 risk-based capital ratio17.2762%2,248
Total risk-based capital ratio18.5578%2,199
Memoranda:
Average total assets$439,940,2501,537
Average earning assets$418,681,2501,469
Average equity$42,677,2501,560
Average total loans$287,283,0001,572
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5149%2,461
Cost of funding earning assets2.3616%273
Net interest margin3.1533%6,454
Noninterest income to average assets-0.2137%7,683
Noninterest expense to average assets2.1148%6,854
Loan and lease loss provision to assets0.9557%1,535
Net operating income to assets-0.2106%6,368
Return on assets (ROA)0.0287%6,136
Pretax return on assets0.0862%6,004
Return on Equity (ROE)0.2999%6,130
Retained earnings to average equity (ytd only)0.2999%5,637
Net charge-offs to loans1.6077%1,182
Credit loss provision to net charge-offs90.5957%4,408
Earnings coverage of net charge-offs (x)0.6332%5,105
Efficiency ratio75.9961%3,081
Assets per employee ($millions)9.6186%282
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans3.0415%794
Loan loss allowance to noncurrent loans32.4190%6,203
Noncurrent assets plus other real estate owned to assets7.3446%698
Noncurrent loans to loans9.3818%492
Net loans and leases to total assets63.3693%4,378
Net loans and leases to deposits108.0534%323
Net loans and leases to core deposits119.3966%714
Total domestic deposits to total assets58.6462%7,674
Equity capital to assets9.9835%4,046
Core capital (leverage) ratio9.7490%3,474
Tier 1 risk-based capital ratio16.8789%2,331
Total risk-based capital ratio18.1550%2,274
Memoranda:
Average total assets$445,530,6701,536
Average earning assets$423,362,6701,464
Average equity$42,685,6701,555
Average total loans$292,337,6701,568
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5192%2,500
Cost of funding earning assets2.4477%261
Net interest margin3.0715%6,664
Noninterest income to average assets-0.2063%7,805
Noninterest expense to average assets1.8925%7,341
Loan and lease loss provision to assets0.7453%1,707
Net operating income to assets0.0037%6,275
Return on assets (ROA)0.0009%6,391
Pretax return on assets0.0894%6,159
Return on Equity (ROE)0.0094%6,398
Retained earnings to average equity (ytd only)0.0094%5,814
Net charge-offs to loans1.2132%1,400
Credit loss provision to net charge-offs93.4517%3,580
Earnings coverage of net charge-offs (x)1.0522%4,134
Efficiency ratio69.2806%4,453
Assets per employee ($millions)9.8051%282
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans3.0004%823
Loan loss allowance to noncurrent loans36.9172%5,908
Noncurrent assets plus other real estate owned to assets6.3970%899
Noncurrent loans to loans8.1275%655
Net loans and leases to total assets61.4944%4,857
Net loans and leases to deposits111.5392%262
Net loans and leases to core deposits120.0621%784
Total domestic deposits to total assets55.1326%7,804
Equity capital to assets9.2742%4,875
Core capital (leverage) ratio9.3227%4,010
Tier 1 risk-based capital ratio16.5008%2,449
Total risk-based capital ratio17.7767%2,388
Memoranda:
Average total assets$451,878,0001,552
Average earning assets$432,237,0001,477
Average equity$42,422,5001,579
Average total loans$297,062,0001,585
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8376%2,494
Cost of funding earning assets3.1895%131
Net interest margin2.6481%7,281
Noninterest income to average assets-0.0691%7,779
Noninterest expense to average assets1.8406%7,572
Loan and lease loss provision to assets1.5935%1,437
Net operating income to assets-0.4813%6,159
Return on assets (ROA)0.0078%5,513
Pretax return on assets-0.1891%5,691
Return on Equity (ROE)0.0892%5,506
Retained earnings to average equity (ytd only)0.0892%4,850
Net charge-offs to loans2.0735%1,181
Credit loss provision to net charge-offs111.7890%4,909
Earnings coverage of net charge-offs (x)0.4492%5,661
Efficiency ratio74.1914%3,860
Assets per employee ($millions)9.4237%313
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans2.9225%831
Loan loss allowance to noncurrent loans37.9178%5,905
Noncurrent assets plus other real estate owned to assets6.4048%862
Noncurrent loans to loans7.7075%672
Net loans and leases to total assets66.1846%4,112
Net loans and leases to deposits123.9187%130
Net loans and leases to core deposits185.6116%137
Total domestic deposits to total assets53.4097%7,886
Equity capital to assets9.5065%4,405
Core capital (leverage) ratio9.7413%3,394
Tier 1 risk-based capital ratio16.3408%2,380
Total risk-based capital ratio17.6166%2,318
Memoranda:
Average total assets$476,051,8001,459
Average earning assets$458,407,6001,373
Average equity$41,474,4001,614
Average total loans$327,280,0001,469
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8964%2,467
Cost of funding earning assets3.3658%110
Net interest margin2.5306%7,427
Noninterest income to average assets-0.1013%7,931
Noninterest expense to average assets1.8238%7,641
Loan and lease loss provision to assets1.8777%979
Net operating income to assets-0.7795%6,674
Return on assets (ROA)-0.2249%6,112
Pretax return on assets-0.4963%6,292
Return on Equity (ROE)-2.6365%6,182
Retained earnings to average equity (ytd only)-2.6365%5,848
Net charge-offs to loans1.8940%1,061
Credit loss provision to net charge-offs143.9333%3,393
Earnings coverage of net charge-offs (x)0.3946%5,631
Efficiency ratio77.9871%3,168
Assets per employee ($millions)9.4449%314
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans3.2074%557
Loan loss allowance to noncurrent loans39.2063%5,746
Noncurrent assets plus other real estate owned to assets6.7177%738
Noncurrent loans to loans8.1807%582
Net loans and leases to total assets67.2785%4,123
Net loans and leases to deposits123.9207%149
Net loans and leases to core deposits157.1347%438
Total domestic deposits to total assets54.2916%7,948
Equity capital to assets9.2647%5,074
Core capital (leverage) ratio9.2422%4,274
Tier 1 risk-based capital ratio15.5348%2,807
Total risk-based capital ratio16.8151%2,724
Memoranda:
Average total assets$484,335,7501,442
Average earning assets$466,958,7501,364
Average equity$41,316,5001,641
Average total loans$333,608,2501,468
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0008%2,176
Cost of funding earning assets3.5006%111
Net interest margin2.5002%7,477
Noninterest income to average assets-0.1124%8,037
Noninterest expense to average assets1.7778%7,768
Loan and lease loss provision to assets1.9096%859
Net operating income to assets-0.7648%6,806
Return on assets (ROA)-0.1472%6,121
Pretax return on assets-0.4217%6,348
Return on Equity (ROE)-1.7718%6,188
Retained earnings to average equity (ytd only)-1.7718%5,689
Net charge-offs to loans1.6870%1,127
Credit loss provision to net charge-offs164.7941%2,784
Earnings coverage of net charge-offs (x)0.4512%5,251
Efficiency ratio77.2759%3,459
Assets per employee ($millions)9.5886%295
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans3.0340%556
Loan loss allowance to noncurrent loans41.4270%5,591
Noncurrent assets plus other real estate owned to assets6.0659%798
Noncurrent loans to loans7.3238%648
Net loans and leases to total assets67.2190%4,312
Net loans and leases to deposits120.6204%224
Net loans and leases to core deposits130.6105%1,513
Total domestic deposits to total assets55.7278%8,010
Equity capital to assets8.9868%5,337
Core capital (leverage) ratio8.9821%4,664
Tier 1 risk-based capital ratio14.8990%3,062
Total risk-based capital ratio16.1761%2,996
Memoranda:
Average total assets$494,662,3301,429
Average earning assets$477,402,6701,355
Average equity$41,088,0001,651
Average total loans$339,771,6701,471
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3651%1,144
Cost of funding earning assets3.6139%107
Net interest margin2.7512%7,088
Noninterest income to average assets-0.0789%8,126
Noninterest expense to average assets1.4933%7,993
Loan and lease loss provision to assets2.5708%446
Net operating income to assets-1.4799%7,489
Return on assets (ROA)0.5175%4,538
Pretax return on assets0.5135%5,045
Return on Equity (ROE)6.4758%3,826
Retained earnings to average equity (ytd only)6.4758%2,429
Net charge-offs to loans1.7912%807
Credit loss provision to net charge-offs209.8519%2,138
Earnings coverage of net charge-offs (x)0.8873%4,319
Efficiency ratio57.8722%6,722
Assets per employee ($millions)9.6588%292
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.8616%550
Loan loss allowance to noncurrent loans39.6084%5,908
Noncurrent assets plus other real estate owned to assets5.6884%731
Noncurrent loans to loans7.2246%540
Net loans and leases to total assets67.0582%4,331
Net loans and leases to deposits115.5866%398
Net loans and leases to core deposits117.4926%2,640
Total domestic deposits to total assets58.0155%8,007
Equity capital to assets8.2042%6,531
Core capital (leverage) ratio8.5408%5,450
Tier 1 risk-based capital ratio14.4264%3,349
Total risk-based capital ratio15.7007%3,258
Memoranda:
Average total assets$507,072,0001,403
Average earning assets$490,113,0001,323
Average equity$40,520,0001,683
Average total loans$346,804,5001,451
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5721%2,615
Cost of funding earning assets3.9304%126
Net interest margin2.6417%7,591
Noninterest income to average assets-0.0582%8,186
Noninterest expense to average assets1.4129%8,067
Loan and lease loss provision to assets1.1308%1,285
Net operating income to assets-0.1694%6,583
Return on assets (ROA)-0.1021%6,350
Pretax return on assets0.0686%6,012
Return on Equity (ROE)-1.2330%6,395
Retained earnings to average equity (ytd only)-1.2330%5,664
Net charge-offs to loans0.8801%1,411
Credit loss provision to net charge-offs176.7301%2,869
Earnings coverage of net charge-offs (x)1.7102%5,224
Efficiency ratio56.3551%6,960
Assets per employee ($millions)10.4309%229
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans2.2698%886
Loan loss allowance to noncurrent loans37.7967%6,199
Noncurrent assets plus other real estate owned to assets4.5256%828
Noncurrent loans to loans6.0054%590
Net loans and leases to total assets66.2503%4,796
Net loans and leases to deposits109.6324%861
Net loans and leases to core deposits110.8212%3,705
Total domestic deposits to total assets60.4295%7,951
Equity capital to assets7.7895%7,107
Core capital (leverage) ratio8.1818%6,197
Tier 1 risk-based capital ratio14.8009%3,146
Total risk-based capital ratio16.0695%3,055
Memoranda:
Average total assets$517,158,6001,302
Average earning assets$502,211,8001,225
Average equity$42,820,8001,566
Average total loans$375,997,4001,292