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German American Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1056%2,916
Cost of funding earning assets1.4881%3,229
Net interest margin3.6174%2,048
Noninterest income to average assets0.7100%1,015
Noninterest expense to average assets2.3740%2,651
Loan and lease loss provision to assets0.7300%121
Net operating income to assets0.7264%3,038
Return on assets (ROA)0.7264%3,043
Pretax return on assets0.8745%3,027
Return on Equity (ROE)6.3900%3,263
Retained earnings to average equity (ytd only)-4.1627%4,037
Net charge-offs to loans0.0343%1,349
Credit loss provision to net charge-offs3,148.1481%134
Earnings coverage of net charge-offs (x)68.9733%853
Efficiency ratio57.1110%3,291
Assets per employee ($millions)8.1977%1,457
Cash dividends to net income (ytd only)*165.1800%220
Condition Ratios (%)
Loss allowance to loans1.3295%1,571
Loan loss allowance to noncurrent loans404.6845%1,344
Noncurrent assets plus other real estate owned to assets0.2214%2,413
Noncurrent loans to loans0.3285%2,324
Net loans and leases to total assets66.3200%2,253
Net loans and leases to deposits77.5528%2,267
Net loans and leases to core deposits83.5864%2,494
Total domestic deposits to total assets85.5200%2,469
Equity capital to assets12.2838%1,132
Core capital (leverage) ratio11.1637%1,924
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4690%2,054
Memoranda:
Average total assets$8,334,067,500190
Average earning assets$7,536,423,000187
Average equity$947,940,500184
Average total loans$5,672,992,500197
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1670%2,807
Cost of funding earning assets1.6821%2,990
Net interest margin3.4849%2,115
Noninterest income to average assets1.5700%338
Noninterest expense to average assets2.3022%2,863
Loan and lease loss provision to assets0.0400%2,355
Net operating income to assets1.9149%454
Return on assets (ROA)1.4659%959
Pretax return on assets1.8291%785
Return on Equity (ROE)13.6900%1,197
Retained earnings to average equity (ytd only)3.8976%2,676
Net charge-offs to loans0.0520%1,619
Credit loss provision to net charge-offs131.8916%1,544
Earnings coverage of net charge-offs (x)71.7471%1,003
Efficiency ratio47.9064%4,095
Assets per employee ($millions)8.2748%1,378
Cash dividends to net income (ytd only)*71.5229%775
Condition Ratios (%)
Loss allowance to loans1.0751%2,813
Loan loss allowance to noncurrent loans399.4965%1,398
Noncurrent assets plus other real estate owned to assets0.1769%2,551
Noncurrent loans to loans0.2691%2,459
Net loans and leases to total assets65.0100%2,467
Net loans and leases to deposits75.3442%2,526
Net loans and leases to core deposits80.4588%2,745
Total domestic deposits to total assets86.2900%2,121
Equity capital to assets10.7323%1,707
Core capital (leverage) ratio11.1224%1,910
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0234%1,516
Memoranda:
Average total assets$6,199,400,800245
Average earning assets$5,630,947,400236
Average equity$663,996,200231
Average total loans$4,042,910,400250
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0976%2,869
Cost of funding earning assets1.6814%2,991
Net interest margin3.4161%2,199
Noninterest income to average assets1.8000%278
Noninterest expense to average assets2.3331%2,698
Loan and lease loss provision to assets0.0500%2,008
Net operating income to assets2.0201%417
Return on assets (ROA)1.4194%1,063
Pretax return on assets1.7706%910
Return on Equity (ROE)13.2600%1,306
Retained earnings to average equity (ytd only)4.1854%2,776
Net charge-offs to loans0.0594%1,316
Credit loss provision to net charge-offs120.0447%1,489
Earnings coverage of net charge-offs (x)66.4260%1,033
Efficiency ratio46.9019%4,128
Assets per employee ($millions)8.0112%1,506
Cash dividends to net income (ytd only)*68.4327%743
Condition Ratios (%)
Loss allowance to loans1.0840%2,839
Loan loss allowance to noncurrent loans454.8397%1,336
Noncurrent assets plus other real estate owned to assets0.1552%2,698
Noncurrent loans to loans0.2383%2,580
Net loans and leases to total assets64.4300%2,482
Net loans and leases to deposits75.1573%2,596
Net loans and leases to core deposits79.5710%2,838
Total domestic deposits to total assets85.7300%2,033
Equity capital to assets11.4446%1,505
Core capital (leverage) ratio11.2858%1,876
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2761%1,468
Memoranda:
Average total assets$6,177,029,750241
Average earning assets$5,608,230,500233
Average equity$661,260,000231
Average total loans$4,020,352,750247
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0089%2,929
Cost of funding earning assets1.6602%2,954
Net interest margin3.3487%2,300
Noninterest income to average assets2.2600%223
Noninterest expense to average assets2.3874%2,554
Loan and lease loss provision to assets0.0500%1,906
Net operating income to assets2.2913%297
Return on assets (ROA)1.3849%1,119
Pretax return on assets1.7306%936
Return on Equity (ROE)13.2500%1,310
Retained earnings to average equity (ytd only)-0.7440%4,026
Net charge-offs to loans0.0671%1,099
Credit loss provision to net charge-offs113.4673%1,388
Earnings coverage of net charge-offs (x)66.6860%969
Efficiency ratio44.3600%4,235
Assets per employee ($millions)7.9002%1,511
Cash dividends to net income (ytd only)*105.6164%325
Condition Ratios (%)
Loss allowance to loans1.0844%2,875
Loan loss allowance to noncurrent loans602.9085%1,117
Noncurrent assets plus other real estate owned to assets0.1179%2,867
Noncurrent loans to loans0.1799%2,782
Net loans and leases to total assets64.5600%2,496
Net loans and leases to deposits74.1159%2,687
Net loans and leases to core deposits78.0172%2,918
Total domestic deposits to total assets87.1000%1,613
Equity capital to assets10.4561%1,832
Core capital (leverage) ratio10.7758%2,170
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5158%1,699
Memoranda:
Average total assets$6,153,122,000243
Average earning assets$5,581,554,333233
Average equity$643,299,333230
Average total loans$4,003,696,333246
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9147%2,953
Cost of funding earning assets1.5836%3,016
Net interest margin3.3310%2,272
Noninterest income to average assets1.0300%531
Noninterest expense to average assets2.3672%2,602
Loan and lease loss provision to assets0.0600%1,561
Net operating income to assets1.3423%1,163
Return on assets (ROA)1.3442%1,167
Pretax return on assets1.6283%1,050
Return on Equity (ROE)12.8600%1,372
Retained earnings to average equity (ytd only)-2.7599%3,995
Net charge-offs to loans0.0916%767
Credit loss provision to net charge-offs98.7925%1,174
Earnings coverage of net charge-offs (x)28.3183%1,190
Efficiency ratio57.4889%3,475
Assets per employee ($millions)7.3119%1,876
Cash dividends to net income (ytd only)*121.4654%396
Condition Ratios (%)
Loss allowance to loans1.0987%2,832
Loan loss allowance to noncurrent loans438.2851%1,483
Noncurrent assets plus other real estate owned to assets0.1635%2,557
Noncurrent loans to loans0.2507%2,421
Net loans and leases to total assets64.5100%2,416
Net loans and leases to deposits74.2429%2,581
Net loans and leases to core deposits78.0374%2,850
Total domestic deposits to total assets86.8900%1,815
Equity capital to assets10.2888%1,843
Core capital (leverage) ratio11.0150%1,962
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5259%1,694
Memoranda:
Average total assets$6,124,910,000248
Average earning assets$5,553,504,500238
Average equity$640,311,000233
Average total loans$3,979,271,500252
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6913%2,703
Cost of funding earning assets1.1180%3,018
Net interest margin3.5733%2,019
Noninterest income to average assets0.9900%650
Noninterest expense to average assets2.3665%2,672
Loan and lease loss provision to assets0.0400%2,313
Net operating income to assets1.4787%1,056
Return on assets (ROA)1.4792%1,029
Pretax return on assets1.8082%879
Return on Equity (ROE)15.0900%1,273
Retained earnings to average equity (ytd only)6.6785%1,997
Net charge-offs to loans0.0766%1,101
Credit loss provision to net charge-offs86.3529%1,974
Earnings coverage of net charge-offs (x)37.9790%1,474
Efficiency ratio55.0183%3,599
Assets per employee ($millions)7.3322%1,850
Cash dividends to net income (ytd only)*55.7457%1,373
Condition Ratios (%)
Loss allowance to loans1.1006%2,834
Loan loss allowance to noncurrent loans476.1723%1,481
Noncurrent assets plus other real estate owned to assets0.1496%2,523
Noncurrent loans to loans0.2311%2,390
Net loans and leases to total assets64.0000%2,461
Net loans and leases to deposits73.8966%2,625
Net loans and leases to core deposits77.7434%2,857
Total domestic deposits to total assets86.6100%1,816
Equity capital to assets10.6186%1,666
Core capital (leverage) ratio11.0349%1,937
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7603%1,606
Memoranda:
Average total assets$6,063,438,600242
Average earning assets$5,468,129,200236
Average equity$594,343,000235
Average total loans$3,854,721,600247
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6415%2,585
Cost of funding earning assets1.0051%3,021
Net interest margin3.6364%1,912
Noninterest income to average assets0.9900%655
Noninterest expense to average assets2.3848%2,563
Loan and lease loss provision to assets0.0600%1,749
Net operating income to assets1.4894%1,147
Return on assets (ROA)1.4901%1,123
Pretax return on assets1.8211%979
Return on Equity (ROE)15.5300%1,337
Retained earnings to average equity (ytd only)9.7822%1,464
Net charge-offs to loans0.0722%968
Credit loss provision to net charge-offs123.0695%1,461
Earnings coverage of net charge-offs (x)41.0473%1,430
Efficiency ratio54.8239%3,512
Assets per employee ($millions)7.0759%1,903
Cash dividends to net income (ytd only)*37.0151%1,775
Condition Ratios (%)
Loss allowance to loans1.1463%2,640
Loan loss allowance to noncurrent loans360.7466%1,793
Noncurrent assets plus other real estate owned to assets0.2069%2,228
Noncurrent loans to loans0.3178%2,092
Net loans and leases to total assets64.2400%2,415
Net loans and leases to deposits74.2535%2,543
Net loans and leases to core deposits77.8061%2,751
Total domestic deposits to total assets86.5100%2,036
Equity capital to assets9.0930%2,368
Core capital (leverage) ratio11.2555%1,819
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8329%1,616
Memoranda:
Average total assets$6,043,192,500245
Average earning assets$5,444,597,750240
Average equity$579,815,750238
Average total loans$3,824,325,000250
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5345%2,562
Cost of funding earning assets0.8880%2,967
Net interest margin3.6465%1,922
Noninterest income to average assets0.9800%587
Noninterest expense to average assets2.4005%2,482
Loan and lease loss provision to assets0.0500%1,895
Net operating income to assets1.4889%1,124
Return on assets (ROA)1.4900%1,117
Pretax return on assets1.8200%975
Return on Equity (ROE)15.2700%1,418
Retained earnings to average equity (ytd only)6.8126%2,350
Net charge-offs to loans0.0817%776
Credit loss provision to net charge-offs106.3144%1,398
Earnings coverage of net charge-offs (x)36.5696%1,453
Efficiency ratio54.9962%3,533
Assets per employee ($millions)6.8819%2,016
Cash dividends to net income (ytd only)*55.3759%1,116
Condition Ratios (%)
Loss allowance to loans1.1545%2,691
Loan loss allowance to noncurrent loans356.3229%1,940
Noncurrent assets plus other real estate owned to assets0.2056%2,165
Noncurrent loans to loans0.3240%1,975
Net loans and leases to total assets62.7200%2,507
Net loans and leases to deposits72.3829%2,621
Net loans and leases to core deposits74.6168%2,849
Total domestic deposits to total assets86.6600%2,039
Equity capital to assets9.9496%1,887
Core capital (leverage) ratio10.8688%2,003
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4991%1,726
Memoranda:
Average total assets$6,059,835,333239
Average earning assets$5,465,752,667237
Average equity$591,431,667232
Average total loans$3,800,888,333244
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4160%2,514
Cost of funding earning assets0.7501%2,894
Net interest margin3.6659%1,985
Noninterest income to average assets0.9900%585
Noninterest expense to average assets2.4429%2,387
Loan and lease loss provision to assets0.0700%1,437
Net operating income to assets1.4653%1,249
Return on assets (ROA)1.4654%1,226
Pretax return on assets1.7791%1,110
Return on Equity (ROE)15.1600%1,526
Retained earnings to average equity (ytd only)4.9326%3,038
Net charge-offs to loans0.1007%594
Credit loss provision to net charge-offs115.4250%1,047
Earnings coverage of net charge-offs (x)29.4753%1,310
Efficiency ratio55.6806%3,438
Assets per employee ($millions)6.9454%2,017
Cash dividends to net income (ytd only)*67.4673%817
Condition Ratios (%)
Loss allowance to loans1.1739%2,696
Loan loss allowance to noncurrent loans303.6730%2,188
Noncurrent assets plus other real estate owned to assets0.2437%1,903
Noncurrent loans to loans0.3866%1,771
Net loans and leases to total assets62.3100%2,438
Net loans and leases to deposits71.6136%2,499
Net loans and leases to core deposits73.3237%2,733
Total domestic deposits to total assets87.0100%2,257
Equity capital to assets10.1323%1,751
Core capital (leverage) ratio10.5462%2,198
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3726%1,841
Memoranda:
Average total assets$6,068,585,500246
Average earning assets$5,475,262,000242
Average equity$586,552,500237
Average total loans$3,784,208,500250
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8533%2,121
Cost of funding earning assets0.2549%3,282
Net interest margin3.5984%1,648
Noninterest income to average assets0.9400%721
Noninterest expense to average assets2.4150%2,380
Loan and lease loss provision to assets0.1000%1,238
Net operating income to assets1.3955%1,144
Return on assets (ROA)1.4032%1,086
Pretax return on assets1.7128%893
Return on Equity (ROE)14.8200%1,305
Retained earnings to average equity (ytd only)8.8848%1,511
Net charge-offs to loans0.0650%996
Credit loss provision to net charge-offs274.1796%955
Earnings coverage of net charge-offs (x)48.5527%1,384
Efficiency ratio55.8116%3,598
Assets per employee ($millions)7.2017%1,822
Cash dividends to net income (ytd only)*40.0444%1,904
Condition Ratios (%)
Loss allowance to loans1.1643%2,553
Loan loss allowance to noncurrent loans308.5435%2,165
Noncurrent assets plus other real estate owned to assets0.2328%1,979
Noncurrent loans to loans0.3774%1,790
Net loans and leases to total assets60.9600%2,556
Net loans and leases to deposits69.4608%2,627
Net loans and leases to core deposits70.3085%2,851
Total domestic deposits to total assets87.7700%2,155
Equity capital to assets9.2109%2,221
Core capital (leverage) ratio10.1206%2,528
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0727%1,950
Memoranda:
Average total assets$6,228,784,000230
Average earning assets$5,678,425,000230
Average equity$589,807,600240
Average total loans$3,564,996,800252
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6880%2,076
Cost of funding earning assets0.1667%3,661
Net interest margin3.5213%1,607
Noninterest income to average assets0.9600%728
Noninterest expense to average assets2.4565%2,139
Loan and lease loss provision to assets0.1200%882
Net operating income to assets1.3129%1,309
Return on assets (ROA)1.3212%1,259
Pretax return on assets1.6068%1,104
Return on Equity (ROE)13.8600%1,468
Retained earnings to average equity (ytd only)8.2637%1,904
Net charge-offs to loans0.0488%996
Credit loss provision to net charge-offs455.2529%640
Earnings coverage of net charge-offs (x)62.7837%1,148
Efficiency ratio57.3301%3,466
Assets per employee ($millions)7.3375%1,719
Cash dividends to net income (ytd only)*40.3766%1,567
Condition Ratios (%)
Loss allowance to loans1.2104%2,474
Loan loss allowance to noncurrent loans324.3759%2,080
Noncurrent assets plus other real estate owned to assets0.2204%2,136
Noncurrent loans to loans0.3731%1,894
Net loans and leases to total assets58.3600%2,659
Net loans and leases to deposits64.9512%2,795
Net loans and leases to core deposits65.6794%2,971
Total domestic deposits to total assets89.8500%1,724
Equity capital to assets8.0852%2,850
Core capital (leverage) ratio9.7548%2,809
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8819%2,098
Memoranda:
Average total assets$6,248,412,000229
Average earning assets$5,711,417,750230
Average equity$595,636,250238
Average total loans$3,507,862,500251
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5405%2,017
Cost of funding earning assets0.1162%4,010
Net interest margin3.4243%1,530
Noninterest income to average assets0.9888%687
Noninterest expense to average assets2.6319%1,552
Loan and lease loss provision to assets0.1761%500
Net operating income to assets1.1101%1,737
Return on assets (ROA)1.1222%1,671
Pretax return on assets1.3377%1,621
Return on Equity (ROE)11.2051%1,921
Retained earnings to average equity (ytd only)8.0087%1,612
Net charge-offs to loans0.0350%1,041
Credit loss provision to net charge-offs912.1061%430
Earnings coverage of net charge-offs (x)77.6700%947
Efficiency ratio62.1773%3,024
Assets per employee ($millions)7.6320%1,528
Cash dividends to net income (ytd only)*28.5266%2,158
Condition Ratios (%)
Loss allowance to loans1.2308%2,525
Loan loss allowance to noncurrent loans298.5745%2,161
Noncurrent assets plus other real estate owned to assets0.2336%2,152
Noncurrent loans to loans0.4122%1,881
Net loans and leases to total assets55.9654%2,762
Net loans and leases to deposits62.8686%2,820
Net loans and leases to core deposits63.5147%3,005
Total domestic deposits to total assets89.0196%2,175
Equity capital to assets9.1584%2,272
Core capital (leverage) ratio9.3263%3,098
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8644%2,115
Memoranda:
Average total assets$6,247,356,000225
Average earning assets$5,733,162,333229
Average equity$625,698,333228
Average total loans$3,446,172,000252
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4698%1,896
Cost of funding earning assets0.1114%3,991
Net interest margin3.3584%1,418
Noninterest income to average assets1.0281%648
Noninterest expense to average assets3.0517%753
Loan and lease loss provision to assets0.3386%173
Net operating income to assets0.6621%3,188
Return on assets (ROA)0.6837%3,104
Pretax return on assets0.7664%3,209
Return on Equity (ROE)6.5325%3,186
Retained earnings to average equity (ytd only)6.5325%2,064
Net charge-offs to loans0.0307%1,001
Credit loss provision to net charge-offs2,031.2500%209
Earnings coverage of net charge-offs (x)64.8320%828
Efficiency ratio72.2444%1,944
Assets per employee ($millions)7.3509%1,774
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.2299%2,705
Loan loss allowance to noncurrent loans294.3966%2,128
Noncurrent assets plus other real estate owned to assets0.2294%2,270
Noncurrent loans to loans0.4178%1,992
Net loans and leases to total assets54.1168%2,744
Net loans and leases to deposits61.7499%2,733
Net loans and leases to core deposits62.5156%2,930
Total domestic deposits to total assets87.6387%2,693
Equity capital to assets10.0056%1,886
Core capital (leverage) ratio9.2641%3,057
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7129%2,337
Memoranda:
Average total assets$6,142,692,000234
Average earning assets$5,678,094,000234
Average equity$642,882,500230
Average total loans$3,339,988,000257
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4704%2,751
Cost of funding earning assets0.1402%4,065
Net interest margin3.3302%2,237
Noninterest income to average assets1.0760%890
Noninterest expense to average assets2.3042%2,782
Loan and lease loss provision to assets-0.1223%4,586
Net operating income to assets1.5955%823
Return on assets (ROA)1.6297%781
Pretax return on assets2.0106%589
Return on Equity (ROE)14.2642%1,111
Retained earnings to average equity (ytd only)3.5632%3,400
Net charge-offs to loans0.1087%810
Credit loss provision to net charge-offs-194.4943%3,503
Earnings coverage of net charge-offs (x)29.3683%1,619
Efficiency ratio54.2814%3,903
Assets per employee ($millions)7.7294%1,479
Cash dividends to net income (ytd only)*75.0196%597
Condition Ratios (%)
Loss allowance to loans1.2278%2,744
Loan loss allowance to noncurrent loans250.8267%2,297
Noncurrent assets plus other real estate owned to assets0.2637%2,225
Noncurrent loans to loans0.4895%1,901
Net loans and leases to total assets53.2130%2,942
Net loans and leases to deposits61.6373%2,918
Net loans and leases to core deposits62.3301%3,131
Total domestic deposits to total assets86.3325%2,790
Equity capital to assets11.0159%1,778
Core capital (leverage) ratio8.8773%3,533
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3614%2,505
Memoranda:
Average total assets$5,316,529,800259
Average earning assets$4,908,103,200258
Average equity$607,423,600238
Average total loans$3,073,658,200263
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5137%2,788
Cost of funding earning assets0.1460%4,145
Net interest margin3.3677%2,245
Noninterest income to average assets1.0926%929
Noninterest expense to average assets2.3258%2,671
Loan and lease loss provision to assets-0.2160%4,765
Net operating income to assets1.6679%886
Return on assets (ROA)1.6982%875
Pretax return on assets2.1228%652
Return on Equity (ROE)14.7233%1,194
Retained earnings to average equity (ytd only)4.8089%3,288
Net charge-offs to loans0.0242%1,557
Credit loss provision to net charge-offs-1,515.1515%3,942
Earnings coverage of net charge-offs (x)131.0891%735
Efficiency ratio54.1556%3,790
Assets per employee ($millions)7.5278%1,546
Cash dividends to net income (ytd only)*67.3381%643
Condition Ratios (%)
Loss allowance to loans1.2497%2,737
Loan loss allowance to noncurrent loans205.0450%2,498
Noncurrent assets plus other real estate owned to assets0.3394%2,084
Noncurrent loans to loans0.6095%1,783
Net loans and leases to total assets54.6522%2,887
Net loans and leases to deposits63.9947%2,852
Net loans and leases to core deposits64.9259%3,051
Total domestic deposits to total assets85.4011%2,982
Equity capital to assets11.2062%1,888
Core capital (leverage) ratio9.1629%3,374
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6901%2,475
Memoranda:
Average total assets$5,246,647,500262
Average earning assets$4,832,949,250260
Average equity$605,164,750239
Average total loans$3,088,360,500264
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5257%2,824
Cost of funding earning assets0.1544%4,169
Net interest margin3.3713%2,234
Noninterest income to average assets1.0691%962
Noninterest expense to average assets2.3057%2,759
Loan and lease loss provision to assets-0.2513%4,811
Net operating income to assets1.6842%897
Return on assets (ROA)1.7236%889
Pretax return on assets2.1614%620
Return on Equity (ROE)14.7951%1,213
Retained earnings to average equity (ytd only)-0.1367%4,529
Net charge-offs to loans0.0234%1,481
Credit loss provision to net charge-offs-1,785.7143%3,802
Earnings coverage of net charge-offs (x)132.2500%637
Efficiency ratio53.9736%3,811
Assets per employee ($millions)7.1858%1,668
Cash dividends to net income (ytd only)*100.9240%265
Condition Ratios (%)
Loss allowance to loans1.2951%2,462
Loan loss allowance to noncurrent loans230.0414%2,263
Noncurrent assets plus other real estate owned to assets0.3430%2,221
Noncurrent loans to loans0.5630%1,988
Net loans and leases to total assets57.0916%2,777
Net loans and leases to deposits67.2804%2,696
Net loans and leases to core deposits68.5206%2,916
Total domestic deposits to total assets84.8563%3,158
Equity capital to assets11.3379%1,735
Core capital (leverage) ratio8.8436%3,658
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3951%2,581
Memoranda:
Average total assets$5,173,813,667260
Average earning assets$4,753,654,667260
Average equity$602,742,000238
Average total loans$3,109,607,000260
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5638%2,748
Cost of funding earning assets0.1649%4,198
Net interest margin3.3989%2,114
Noninterest income to average assets1.1046%974
Noninterest expense to average assets2.4207%2,432
Loan and lease loss provision to assets-0.1179%4,741
Net operating income to assets1.5372%1,245
Return on assets (ROA)1.5985%1,176
Pretax return on assets1.9891%962
Return on Equity (ROE)13.5314%1,531
Retained earnings to average equity (ytd only)-3.0952%4,605
Net charge-offs to loans0.0333%1,147
Credit loss provision to net charge-offs-576.9231%3,214
Earnings coverage of net charge-offs (x)87.8538%665
Efficiency ratio56.0091%3,546
Assets per employee ($millions)6.8467%1,895
Cash dividends to net income (ytd only)*122.8743%313
Condition Ratios (%)
Loss allowance to loans1.4382%1,816
Loan loss allowance to noncurrent loans214.8185%2,249
Noncurrent assets plus other real estate owned to assets0.4092%2,177
Noncurrent loans to loans0.6695%1,906
Net loans and leases to total assets59.3169%2,633
Net loans and leases to deposits69.5232%2,558
Net loans and leases to core deposits70.9373%2,789
Total domestic deposits to total assets85.3196%2,990
Equity capital to assets11.2897%1,665
Core capital (leverage) ratio9.2779%3,293
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6682%2,416
Memoranda:
Average total assets$5,091,191,500262
Average earning assets$4,659,494,000257
Average equity$601,444,500234
Average total loans$3,120,336,000261
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0933%2,441
Cost of funding earning assets0.3834%3,685
Net interest margin3.7098%1,764
Noninterest income to average assets1.0782%920
Noninterest expense to average assets2.4894%2,884
Loan and lease loss provision to assets0.3757%869
Net operating income to assets1.2954%1,261
Return on assets (ROA)1.3662%1,184
Pretax return on assets1.6819%886
Return on Equity (ROE)10.8995%1,671
Retained earnings to average equity (ytd only)4.0683%2,785
Net charge-offs to loans0.0832%1,635
Credit loss provision to net charge-offs669.3364%1,024
Earnings coverage of net charge-offs (x)35.1022%1,484
Efficiency ratio54.1230%4,199
Assets per employee ($millions)6.4073%1,992
Cash dividends to net income (ytd only)*62.6743%1,239
Condition Ratios (%)
Loss allowance to loans1.5092%1,546
Loan loss allowance to noncurrent loans217.8779%2,206
Noncurrent assets plus other real estate owned to assets0.4391%2,264
Noncurrent loans to loans0.6927%1,956
Net loans and leases to total assets61.5059%2,664
Net loans and leases to deposits73.5512%2,527
Net loans and leases to core deposits75.3778%2,785
Total domestic deposits to total assets83.6233%3,232
Equity capital to assets12.3623%1,389
Core capital (leverage) ratio9.5573%3,054
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0001%2,236
Memoranda:
Average total assets$4,671,568,400259
Average earning assets$4,258,000,600253
Average equity$585,548,200233
Average total loans$3,153,259,400254
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1170%2,633
Cost of funding earning assets0.4461%3,547
Net interest margin3.6709%2,033
Noninterest income to average assets1.0899%871
Noninterest expense to average assets2.5218%2,772
Loan and lease loss provision to assets0.4511%714
Net operating income to assets1.1952%1,651
Return on assets (ROA)1.2473%1,607
Pretax return on assets1.5212%1,402
Return on Equity (ROE)9.9146%2,050
Retained earnings to average equity (ytd only)0.6919%4,340
Net charge-offs to loans0.0300%2,233
Credit loss provision to net charge-offs2,180.9257%439
Earnings coverage of net charge-offs (x)92.2903%835
Efficiency ratio55.1319%4,021
Assets per employee ($millions)6.1851%2,104
Cash dividends to net income (ytd only)*93.0211%386
Condition Ratios (%)
Loss allowance to loans1.4394%1,574
Loan loss allowance to noncurrent loans204.4235%2,164
Noncurrent assets plus other real estate owned to assets0.4812%2,279
Noncurrent loans to loans0.7041%2,031
Net loans and leases to total assets66.1246%2,504
Net loans and leases to deposits79.3093%2,391
Net loans and leases to core deposits81.1786%2,737
Total domestic deposits to total assets83.3755%3,033
Equity capital to assets12.1664%1,593
Core capital (leverage) ratio9.4200%3,343
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5999%2,364
Memoranda:
Average total assets$4,596,443,250257
Average earning assets$4,183,076,250253
Average equity$578,270,000233
Average total loans$3,165,330,250254
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2453%2,619
Cost of funding earning assets0.5336%3,326
Net interest margin3.7118%2,127
Noninterest income to average assets1.1033%817
Noninterest expense to average assets2.5577%2,801
Loan and lease loss provision to assets0.4896%743
Net operating income to assets1.1757%1,707
Return on assets (ROA)1.2332%1,657
Pretax return on assets1.4988%1,459
Return on Equity (ROE)9.6884%2,081
Retained earnings to average equity (ytd only)-4.2337%4,738
Net charge-offs to loans0.0351%2,037
Credit loss provision to net charge-offs2,009.0909%476
Earnings coverage of net charge-offs (x)78.7236%816
Efficiency ratio55.2930%4,032
Assets per employee ($millions)5.8771%2,292
Cash dividends to net income (ytd only)*143.6988%218
Condition Ratios (%)
Loss allowance to loans1.2904%2,052
Loan loss allowance to noncurrent loans221.7919%1,987
Noncurrent assets plus other real estate owned to assets0.4038%2,672
Noncurrent loans to loans0.5818%2,411
Net loans and leases to total assets67.0219%2,497
Net loans and leases to deposits80.2417%2,395
Net loans and leases to core deposits82.4547%2,738
Total domestic deposits to total assets83.5250%2,918
Equity capital to assets11.8624%1,747
Core capital (leverage) ratio9.2108%3,674
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0327%2,592
Memoranda:
Average total assets$4,514,288,000259
Average earning assets$4,101,837,000256
Average equity$574,624,000235
Average total loans$3,137,400,333254
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4221%2,536
Cost of funding earning assets0.6685%3,064
Net interest margin3.7535%2,126
Noninterest income to average assets1.2395%573
Noninterest expense to average assets2.7482%2,583
Loan and lease loss provision to assets0.4736%623
Net operating income to assets1.1756%1,598
Return on assets (ROA)1.2207%1,562
Pretax return on assets1.4706%1,382
Return on Equity (ROE)9.2395%2,014
Retained earnings to average equity (ytd only)-8.1607%4,697
Net charge-offs to loans0.0575%1,434
Credit loss provision to net charge-offs1,170.4545%511
Earnings coverage of net charge-offs (x)46.7114%948
Efficiency ratio57.3493%4,077
Assets per employee ($millions)5.3071%2,315
Cash dividends to net income (ytd only)*188.3239%336
Condition Ratios (%)
Loss allowance to loans1.2096%2,614
Loan loss allowance to noncurrent loans198.5532%2,072
Noncurrent assets plus other real estate owned to assets0.4422%2,692
Noncurrent loans to loans0.6092%2,464
Net loans and leases to total assets69.3599%2,346
Net loans and leases to deposits84.6185%2,152
Net loans and leases to core deposits87.5423%2,562
Total domestic deposits to total assets81.9677%3,431
Equity capital to assets13.2589%1,317
Core capital (leverage) ratio10.0842%3,364
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7923%2,799
Memoranda:
Average total assets$4,350,080,000261
Average earning assets$3,938,674,500257
Average equity$574,705,500236
Average total loans$3,062,049,000255
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7446%2,204
Cost of funding earning assets0.7685%2,834
Net interest margin3.9761%1,923
Noninterest income to average assets1.0802%815
Noninterest expense to average assets2.7470%2,760
Loan and lease loss provision to assets0.1300%1,652
Net operating income to assets1.4809%1,099
Return on assets (ROA)1.5059%1,105
Pretax return on assets1.8404%856
Return on Equity (ROE)11.8022%1,584
Retained earnings to average equity (ytd only)3.1940%3,424
Net charge-offs to loans0.1697%1,190
Credit loss provision to net charge-offs109.3429%2,275
Earnings coverage of net charge-offs (x)16.3199%2,182
Efficiency ratio56.6726%4,126
Assets per employee ($millions)5.3416%2,205
Cash dividends to net income (ytd only)*72.9371%1,028
Condition Ratios (%)
Loss allowance to loans0.5260%4,860
Loan loss allowance to noncurrent loans116.3379%3,032
Noncurrent assets plus other real estate owned to assets0.3287%3,104
Noncurrent loans to loans0.4521%2,820
Net loans and leases to total assets70.1981%2,370
Net loans and leases to deposits88.6365%1,754
Net loans and leases to core deposits92.5937%2,193
Total domestic deposits to total assets79.1977%4,149
Equity capital to assets13.1646%1,432
Core capital (leverage) ratio10.2718%3,218
Tier 1 risk-based capital ratio12.3532%4,158
Total risk-based capital ratio12.8199%4,475
Memoranda:
Average total assets$4,097,023,600263
Average earning assets$3,716,392,400259
Average equity$522,757,000243
Average total loans$2,870,363,800261
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7101%2,389
Cost of funding earning assets0.7807%2,810
Net interest margin3.9294%2,160
Noninterest income to average assets1.1019%754
Noninterest expense to average assets2.7419%2,736
Loan and lease loss provision to assets0.1234%1,583
Net operating income to assets1.4799%1,244
Return on assets (ROA)1.5066%1,224
Pretax return on assets1.8351%1,007
Return on Equity (ROE)11.9106%1,651
Retained earnings to average equity (ytd only)5.3634%2,696
Net charge-offs to loans0.1743%972
Credit loss provision to net charge-offs101.2503%2,226
Earnings coverage of net charge-offs (x)15.8024%2,170
Efficiency ratio56.8186%4,080
Assets per employee ($millions)5.1651%2,379
Cash dividends to net income (ytd only)*54.9692%1,463
Condition Ratios (%)
Loss allowance to loans0.5159%4,949
Loan loss allowance to noncurrent loans117.4438%3,046
Noncurrent assets plus other real estate owned to assets0.3255%3,246
Noncurrent loans to loans0.4393%2,994
Net loans and leases to total assets70.4494%2,404
Net loans and leases to deposits88.4505%1,871
Net loans and leases to core deposits93.7994%2,199
Total domestic deposits to total assets79.6484%4,061
Equity capital to assets13.3954%1,407
Core capital (leverage) ratio10.3505%3,252
Tier 1 risk-based capital ratio12.6036%4,081
Total risk-based capital ratio13.0644%4,396
Memoranda:
Average total assets$4,024,908,250269
Average earning assets$3,652,448,500265
Average equity$509,113,500248
Average total loans$2,814,253,750268
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6152%2,630
Cost of funding earning assets0.7763%2,764
Net interest margin3.8388%2,441
Noninterest income to average assets1.0980%708
Noninterest expense to average assets2.6283%3,122
Loan and lease loss provision to assets0.0472%2,872
Net operating income to assets1.5741%963
Return on assets (ROA)1.6022%949
Pretax return on assets1.9443%763
Return on Equity (ROE)12.9489%1,258
Retained earnings to average equity (ytd only)2.6366%3,882
Net charge-offs to loans0.0373%2,136
Credit loss provision to net charge-offs181.7289%1,308
Earnings coverage of net charge-offs (x)75.3399%851
Efficiency ratio55.4867%4,308
Assets per employee ($millions)5.2057%2,249
Cash dividends to net income (ytd only)*79.6381%835
Condition Ratios (%)
Loss allowance to loans0.5946%4,886
Loan loss allowance to noncurrent loans136.5884%2,789
Noncurrent assets plus other real estate owned to assets0.3174%3,266
Noncurrent loans to loans0.4353%2,973
Net loans and leases to total assets68.8045%2,705
Net loans and leases to deposits85.8348%2,275
Net loans and leases to core deposits92.2092%2,395
Total domestic deposits to total assets80.1592%4,008
Equity capital to assets12.5334%1,835
Core capital (leverage) ratio9.8335%3,785
Tier 1 risk-based capital ratio12.0685%4,380
Total risk-based capital ratio12.5954%4,663
Memoranda:
Average total assets$3,918,605,330274
Average earning assets$3,560,025,000271
Average equity$484,861,000255
Average total loans$2,726,984,000273
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6440%2,401
Cost of funding earning assets0.7912%2,588
Net interest margin3.8528%2,334
Noninterest income to average assets1.1784%585
Noninterest expense to average assets2.6872%2,948
Loan and lease loss provision to assets0.0691%2,273
Net operating income to assets1.6055%882
Return on assets (ROA)1.6189%891
Pretax return on assets1.9352%734
Return on Equity (ROE)13.1697%1,164
Retained earnings to average equity (ytd only)9.0031%1,321
Net charge-offs to loans0.0374%1,737
Credit loss provision to net charge-offs264.7059%895
Earnings coverage of net charge-offs (x)76.1255%791
Efficiency ratio55.6249%4,379
Assets per employee ($millions)5.2754%2,197
Cash dividends to net income (ytd only)*31.6376%2,184
Condition Ratios (%)
Loss allowance to loans0.5977%4,942
Loan loss allowance to noncurrent loans130.6863%2,915
Noncurrent assets plus other real estate owned to assets0.3373%3,253
Noncurrent loans to loans0.4574%2,943
Net loans and leases to total assets69.4758%2,557
Net loans and leases to deposits87.6060%1,923
Net loans and leases to core deposits95.6252%1,962
Total domestic deposits to total assets79.3049%4,299
Equity capital to assets12.6058%1,681
Core capital (leverage) ratio9.9765%3,628
Tier 1 risk-based capital ratio12.2735%4,315
Total risk-based capital ratio12.8025%4,602
Memoranda:
Average total assets$3,904,947,000276
Average earning assets$3,544,562,500272
Average equity$480,012,000256
Average total loans$2,724,870,000275
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3236%3,030
Cost of funding earning assets0.5791%2,861
Net interest margin3.7445%2,876
Noninterest income to average assets1.0777%800
Noninterest expense to average assets2.7122%2,982
Loan and lease loss provision to assets0.0613%2,932
Net operating income to assets1.4242%1,348
Return on assets (ROA)1.4414%1,293
Pretax return on assets1.7539%1,041
Return on Equity (ROE)13.1101%1,303
Retained earnings to average equity (ytd only)11.2237%401
Net charge-offs to loans0.0829%1,954
Credit loss provision to net charge-offs106.6461%2,399
Earnings coverage of net charge-offs (x)31.2014%1,554
Efficiency ratio59.0322%4,011
Assets per employee ($millions)5.2503%2,202
Cash dividends to net income (ytd only)*14.3885%3,698
Condition Ratios (%)
Loss allowance to loans0.5791%5,009
Loan loss allowance to noncurrent loans119.7623%3,118
Noncurrent assets plus other real estate owned to assets0.3442%3,175
Noncurrent loans to loans0.4835%2,827
Net loans and leases to total assets69.2638%2,699
Net loans and leases to deposits87.8776%2,059
Net loans and leases to core deposits94.3832%2,195
Total domestic deposits to total assets78.8186%4,343
Equity capital to assets11.9817%1,910
Core capital (leverage) ratio9.7796%3,824
Tier 1 risk-based capital ratio11.8672%4,524
Total risk-based capital ratio12.3810%4,809
Memoranda:
Average total assets$3,375,201,800296
Average earning assets$3,090,622,400293
Average equity$371,088,400304
Average total loans$2,342,343,600303
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2161%3,261
Cost of funding earning assets0.5303%2,992
Net interest margin3.6858%3,068
Noninterest income to average assets1.1087%766
Noninterest expense to average assets2.5719%3,372
Loan and lease loss provision to assets0.0852%2,263
Net operating income to assets1.4992%1,195
Return on assets (ROA)1.5139%1,155
Pretax return on assets1.8548%895
Return on Equity (ROE)14.1540%1,079
Retained earnings to average equity (ytd only)11.4595%560
Net charge-offs to loans0.1017%1,470
Credit loss provision to net charge-offs120.8406%1,979
Earnings coverage of net charge-offs (x)27.2557%1,711
Efficiency ratio56.3655%4,336
Assets per employee ($millions)5.1589%2,262
Cash dividends to net income (ytd only)*19.0367%3,050
Condition Ratios (%)
Loss allowance to loans0.6842%4,902
Loan loss allowance to noncurrent loans188.9020%2,326
Noncurrent assets plus other real estate owned to assets0.2560%3,670
Noncurrent loans to loans0.3622%3,352
Net loans and leases to total assets69.3700%2,746
Net loans and leases to deposits87.4937%2,211
Net loans and leases to core deposits92.3758%2,440
Total domestic deposits to total assets79.2857%4,263
Equity capital to assets10.6376%3,005
Core capital (leverage) ratio9.4447%4,236
Tier 1 risk-based capital ratio11.5161%4,784
Total risk-based capital ratio12.1130%5,004
Memoranda:
Average total assets$3,238,512,500306
Average earning assets$2,974,539,000300
Average equity$346,380,750313
Average total loans$2,244,849,000310
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1237%3,370
Cost of funding earning assets0.4863%3,122
Net interest margin3.6374%3,170
Noninterest income to average assets1.1284%753
Noninterest expense to average assets2.5719%3,410
Loan and lease loss provision to assets0.0982%1,974
Net operating income to assets1.4744%1,214
Return on assets (ROA)1.4921%1,179
Pretax return on assets1.8232%911
Return on Equity (ROE)13.9236%1,091
Retained earnings to average equity (ytd only)9.8391%968
Net charge-offs to loans0.1472%1,043
Credit loss provision to net charge-offs96.4966%2,097
Earnings coverage of net charge-offs (x)18.6749%1,885
Efficiency ratio56.7979%4,386
Assets per employee ($millions)5.0369%2,369
Cash dividends to net income (ytd only)*29.3353%2,613
Condition Ratios (%)
Loss allowance to loans0.6717%4,992
Loan loss allowance to noncurrent loans164.8256%2,592
Noncurrent assets plus other real estate owned to assets0.2853%3,624
Noncurrent loans to loans0.4075%3,236
Net loans and leases to total assets69.2452%2,684
Net loans and leases to deposits88.1485%2,093
Net loans and leases to core deposits91.6539%2,430
Total domestic deposits to total assets78.5552%4,503
Equity capital to assets10.4284%3,185
Core capital (leverage) ratio9.3398%4,317
Tier 1 risk-based capital ratio11.0819%5,011
Total risk-based capital ratio11.6666%5,212
Memoranda:
Average total assets$3,198,536,000304
Average earning assets$2,939,948,330301
Average equity$342,755,670312
Average total loans$2,211,197,670311
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0421%3,459
Cost of funding earning assets0.4609%3,122
Net interest margin3.5812%3,250
Noninterest income to average assets1.1803%660
Noninterest expense to average assets2.5777%3,406
Loan and lease loss provision to assets0.0448%2,871
Net operating income to assets1.5172%1,040
Return on assets (ROA)1.5455%972
Pretax return on assets1.8910%743
Return on Equity (ROE)14.2185%961
Retained earnings to average equity (ytd only)5.9834%2,711
Net charge-offs to loans0.2943%520
Credit loss provision to net charge-offs22.0960%2,114
Earnings coverage of net charge-offs (x)9.3864%1,968
Efficiency ratio56.9634%4,472
Assets per employee ($millions)5.0162%2,476
Cash dividends to net income (ytd only)*57.9183%1,301
Condition Ratios (%)
Loss allowance to loans0.6703%5,078
Loan loss allowance to noncurrent loans136.6213%2,916
Noncurrent assets plus other real estate owned to assets0.3414%3,479
Noncurrent loans to loans0.4906%3,049
Net loans and leases to total assets68.6746%2,677
Net loans and leases to deposits85.8757%2,179
Net loans and leases to core deposits90.8860%2,381
Total domestic deposits to total assets79.9697%4,422
Equity capital to assets10.8318%2,741
Core capital (leverage) ratio9.6199%3,940
Tier 1 risk-based capital ratio11.7670%4,702
Total risk-based capital ratio12.3437%4,988
Memoranda:
Average total assets$3,128,068,000307
Average earning assets$2,881,279,000305
Average equity$340,007,500319
Average total loans$2,152,765,500312
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9934%3,424
Cost of funding earning assets0.3698%3,519
Net interest margin3.6236%3,091
Noninterest income to average assets1.0357%946
Noninterest expense to average assets2.5589%3,581
Loan and lease loss provision to assets0.0580%3,073
Net operating income to assets1.3330%1,156
Return on assets (ROA)1.3479%1,143
Pretax return on assets1.7763%846
Return on Equity (ROE)12.2231%1,144
Retained earnings to average equity (ytd only)4.7068%2,318
Net charge-offs to loans0.0420%2,944
Credit loss provision to net charge-offs202.5463%1,350
Earnings coverage of net charge-offs (x)63.3472%921
Efficiency ratio57.7940%4,547
Assets per employee ($millions)5.0500%2,420
Cash dividends to net income (ytd only)*61.4931%1,683
Condition Ratios (%)
Loss allowance to loans0.7305%5,005
Loan loss allowance to noncurrent loans132.8874%3,029
Noncurrent assets plus other real estate owned to assets0.3783%3,349
Noncurrent loans to loans0.5497%2,848
Net loans and leases to total assets68.0050%2,817
Net loans and leases to deposits84.9926%2,371
Net loans and leases to core deposits89.0769%2,648
Total domestic deposits to total assets80.0128%4,335
Equity capital to assets10.9072%2,725
Core capital (leverage) ratio9.6284%3,889
Tier 1 risk-based capital ratio11.6560%4,749
Total risk-based capital ratio12.2866%5,006
Memoranda:
Average total assets$3,016,068,400305
Average earning assets$2,778,283,800302
Average equity$332,607,000307
Average total loans$2,056,081,800310
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9890%3,395
Cost of funding earning assets0.3552%3,616
Net interest margin3.6337%3,024
Noninterest income to average assets1.0567%914
Noninterest expense to average assets2.5551%3,551
Loan and lease loss provision to assets0.0491%3,111
Net operating income to assets1.2933%1,358
Return on assets (ROA)1.3117%1,329
Pretax return on assets1.8279%829
Return on Equity (ROE)11.8604%1,378
Retained earnings to average equity (ytd only)3.7858%3,668
Net charge-offs to loans0.0385%2,666
Credit loss provision to net charge-offs187.3935%1,418
Earnings coverage of net charge-offs (x)70.6420%887
Efficiency ratio57.2498%4,590
Assets per employee ($millions)4.9510%2,514
Cash dividends to net income (ytd only)*68.0805%1,036
Condition Ratios (%)
Loss allowance to loans0.7314%5,069
Loan loss allowance to noncurrent loans158.7504%2,668
Noncurrent assets plus other real estate owned to assets0.3334%3,714
Noncurrent loans to loans0.4607%3,323
Net loans and leases to total assets67.8530%2,860
Net loans and leases to deposits85.0900%2,421
Net loans and leases to core deposits88.7327%2,709
Total domestic deposits to total assets79.7426%4,378
Equity capital to assets11.1186%2,745
Core capital (leverage) ratio9.5524%4,089
Tier 1 risk-based capital ratio11.5706%4,911
Total risk-based capital ratio12.1965%5,169
Memoranda:
Average total assets$2,986,076,000311
Average earning assets$2,752,925,500307
Average equity$330,245,500307
Average total loans$2,033,013,000311
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9873%3,249
Cost of funding earning assets0.3285%3,812
Net interest margin3.6588%2,797
Noninterest income to average assets1.0775%864
Noninterest expense to average assets2.5409%3,614
Loan and lease loss provision to assets0.0574%2,827
Net operating income to assets1.3253%1,234
Return on assets (ROA)1.3253%1,261
Pretax return on assets1.8520%739
Return on Equity (ROE)12.0051%1,297
Retained earnings to average equity (ytd only)-0.2369%5,113
Net charge-offs to loans0.0336%2,521
Credit loss provision to net charge-offs251.4793%1,068
Earnings coverage of net charge-offs (x)83.6036%746
Efficiency ratio56.3429%4,788
Assets per employee ($millions)4.7738%2,686
Cash dividends to net income (ytd only)*101.9732%463
Condition Ratios (%)
Loss allowance to loans0.7504%5,084
Loan loss allowance to noncurrent loans484.9636%1,056
Noncurrent assets plus other real estate owned to assets0.1484%4,582
Noncurrent loans to loans0.1547%4,496
Net loans and leases to total assets67.5881%2,864
Net loans and leases to deposits84.9066%2,364
Net loans and leases to core deposits87.7776%2,719
Total domestic deposits to total assets79.6029%4,499
Equity capital to assets11.0839%2,719
Core capital (leverage) ratio9.3929%4,237
Tier 1 risk-based capital ratio11.5201%4,944
Total risk-based capital ratio12.1658%5,206
Memoranda:
Average total assets$2,959,870,000315
Average earning assets$2,728,432,330311
Average equity$326,743,330311
Average total loans$2,012,414,330313
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9907%3,069
Cost of funding earning assets0.3108%3,932
Net interest margin3.6799%2,562
Noninterest income to average assets1.1164%799
Noninterest expense to average assets2.5645%3,609
Loan and lease loss provision to assets0.0680%2,450
Net operating income to assets1.3169%1,196
Return on assets (ROA)1.3169%1,229
Pretax return on assets1.8724%687
Return on Equity (ROE)11.9542%1,253
Retained earnings to average equity (ytd only)-0.3926%4,982
Net charge-offs to loans0.0284%2,184
Credit loss provision to net charge-offs352.1127%713
Earnings coverage of net charge-offs (x)100.4648%530
Efficiency ratio56.1624%4,921
Assets per employee ($millions)4.8482%2,629
Cash dividends to net income (ytd only)*103.2844%667
Condition Ratios (%)
Loss allowance to loans0.7619%5,171
Loan loss allowance to noncurrent loans266.3973%1,784
Noncurrent assets plus other real estate owned to assets0.2015%4,434
Noncurrent loans to loans0.2860%4,091
Net loans and leases to total assets67.4541%2,753
Net loans and leases to deposits84.2372%2,256
Net loans and leases to core deposits87.4379%2,601
Total domestic deposits to total assets80.0764%4,602
Equity capital to assets11.1260%2,510
Core capital (leverage) ratio9.5068%4,120
Tier 1 risk-based capital ratio11.7685%4,874
Total risk-based capital ratio12.4216%5,114
Memoranda:
Average total assets$2,940,822,500318
Average earning assets$2,707,895,000313
Average equity$323,970,000313
Average total loans$1,997,828,000317
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9755%3,288
Cost of funding earning assets0.2976%4,092
Net interest margin3.6779%2,785
Noninterest income to average assets1.0695%988
Noninterest expense to average assets2.6589%3,491
Loan and lease loss provision to assets0.0427%3,528
Net operating income to assets1.2461%1,364
Return on assets (ROA)1.2960%1,295
Pretax return on assets1.8371%720
Return on Equity (ROE)12.0302%1,236
Retained earnings to average equity (ytd only)7.0787%1,202
Net charge-offs to loans0.0438%3,158
Credit loss provision to net charge-offs144.5783%1,895
Earnings coverage of net charge-offs (x)61.3012%874
Efficiency ratio58.6600%4,764
Assets per employee ($millions)4.8816%2,527
Cash dividends to net income (ytd only)*41.1590%2,804
Condition Ratios (%)
Loss allowance to loans0.7385%5,276
Loan loss allowance to noncurrent loans390.1976%1,309
Noncurrent assets plus other real estate owned to assets0.1367%4,762
Noncurrent loans to loans0.1893%4,484
Net loans and leases to total assets67.3956%2,870
Net loans and leases to deposits84.3128%2,380
Net loans and leases to core deposits88.0308%2,674
Total domestic deposits to total assets79.9352%4,590
Equity capital to assets10.9076%2,705
Core capital (leverage) ratio9.4598%4,140
Tier 1 risk-based capital ratio11.8413%4,827
Total risk-based capital ratio12.4813%5,099
Memoranda:
Average total assets$2,811,965,600312
Average earning assets$2,598,520,400306
Average equity$302,938,200319
Average total loans$1,897,004,400317
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9539%3,401
Cost of funding earning assets0.2970%4,136
Net interest margin3.6569%2,865
Noninterest income to average assets1.0693%991
Noninterest expense to average assets2.6736%3,415
Loan and lease loss provision to assets0.0576%3,093
Net operating income to assets1.2102%1,611
Return on assets (ROA)1.2581%1,529
Pretax return on assets1.7917%913
Return on Equity (ROE)11.7169%1,412
Retained earnings to average equity (ytd only)5.0087%2,819
Net charge-offs to loans0.0345%2,940
Credit loss provision to net charge-offs247.9339%1,208
Earnings coverage of net charge-offs (x)76.6257%812
Efficiency ratio59.1585%4,669
Assets per employee ($millions)5.0469%2,315
Cash dividends to net income (ytd only)*57.2519%1,544
Condition Ratios (%)
Loss allowance to loans0.7519%5,314
Loan loss allowance to noncurrent loans297.3121%1,625
Noncurrent assets plus other real estate owned to assets0.1834%4,704
Noncurrent loans to loans0.2529%4,361
Net loans and leases to total assets67.2873%2,906
Net loans and leases to deposits85.3974%2,322
Net loans and leases to core deposits91.1912%2,464
Total domestic deposits to total assets78.7931%4,768
Equity capital to assets11.1127%2,906
Core capital (leverage) ratio9.2208%4,558
Tier 1 risk-based capital ratio11.3916%5,162
Total risk-based capital ratio12.0455%5,386
Memoranda:
Average total assets$2,776,622,500313
Average earning assets$2,570,337,250309
Average equity$298,138,250325
Average total loans$1,869,948,500317
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9417%3,462
Cost of funding earning assets0.2969%4,168
Net interest margin3.6448%2,917
Noninterest income to average assets1.0563%1,002
Noninterest expense to average assets2.7506%3,195
Loan and lease loss provision to assets0.0885%2,370
Net operating income to assets1.1185%1,893
Return on assets (ROA)1.1685%1,805
Pretax return on assets1.6651%1,185
Return on Equity (ROE)11.0235%1,631
Retained earnings to average equity (ytd only)4.0646%3,318
Net charge-offs to loans0.0367%2,724
Credit loss provision to net charge-offs359.2814%841
Earnings coverage of net charge-offs (x)68.2784%793
Efficiency ratio61.1858%4,482
Assets per employee ($millions)4.8473%2,487
Cash dividends to net income (ytd only)*63.1273%1,413
Condition Ratios (%)
Loss allowance to loans0.7786%5,329
Loan loss allowance to noncurrent loans164.2589%2,682
Noncurrent assets plus other real estate owned to assets0.3347%4,160
Noncurrent loans to loans0.4740%3,664
Net loans and leases to total assets67.0613%2,930
Net loans and leases to deposits85.3499%2,316
Net loans and leases to core deposits88.9623%2,643
Total domestic deposits to total assets78.5722%4,879
Equity capital to assets11.1421%2,904
Core capital (leverage) ratio9.1977%4,598
Tier 1 risk-based capital ratio11.5602%5,112
Total risk-based capital ratio12.2447%5,349
Memoranda:
Average total assets$2,711,291,330321
Average earning assets$2,511,775,670312
Average equity$287,405,000329
Average total loans$1,821,482,330322
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7392%4,177
Cost of funding earning assets0.2919%4,261
Net interest margin3.4473%3,678
Noninterest income to average assets1.1049%895
Noninterest expense to average assets2.9368%2,578
Loan and lease loss provision to assets0.1301%1,624
Net operating income to assets0.8999%2,756
Return on assets (ROA)0.8999%2,885
Pretax return on assets1.2376%2,544
Return on Equity (ROE)8.7379%2,545
Retained earnings to average equity (ytd only)-6.1275%5,670
Net charge-offs to loans0.0290%2,364
Credit loss provision to net charge-offs669.2913%492
Earnings coverage of net charge-offs (x)70.3465%694
Efficiency ratio67.4859%3,550
Assets per employee ($millions)4.8142%2,562
Cash dividends to net income (ytd only)*170.1259%323
Condition Ratios (%)
Loss allowance to loans0.7881%5,399
Loan loss allowance to noncurrent loans224.2751%2,056
Noncurrent assets plus other real estate owned to assets0.2484%4,563
Noncurrent loans to loans0.3514%4,171
Net loans and leases to total assets66.7391%2,852
Net loans and leases to deposits84.8169%2,211
Net loans and leases to core deposits89.3161%2,439
Total domestic deposits to total assets78.6862%5,034
Equity capital to assets10.8667%3,087
Core capital (leverage) ratio9.9533%3,595
Tier 1 risk-based capital ratio11.4131%5,273
Total risk-based capital ratio12.1096%5,480
Memoranda:
Average total assets$2,612,755,500326
Average earning assets$2,425,085,500320
Average equity$269,081,500336
Average total loans$1,749,378,500329
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8427%3,911
Cost of funding earning assets0.2642%4,651
Net interest margin3.5785%3,215
Noninterest income to average assets1.1727%866
Noninterest expense to average assets2.6565%3,741
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.3133%1,235
Return on assets (ROA)1.3351%1,229
Pretax return on assets1.8831%681
Return on Equity (ROE)13.7840%889
Retained earnings to average equity (ytd only)6.5732%1,500
Net charge-offs to loans0.0328%3,562
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)85.8900%657
Efficiency ratio58.1475%5,124
Assets per employee ($millions)4.9392%2,437
Cash dividends to net income (ytd only)*52.3130%2,165
Condition Ratios (%)
Loss allowance to loans0.9166%5,022
Loan loss allowance to noncurrent loans439.3792%1,167
Noncurrent assets plus other real estate owned to assets0.1460%5,007
Noncurrent loans to loans0.2086%4,670
Net loans and leases to total assets65.9655%2,982
Net loans and leases to deposits84.5485%2,297
Net loans and leases to core deposits88.6581%2,539
Total domestic deposits to total assets78.0209%5,158
Equity capital to assets9.6123%4,425
Core capital (leverage) ratio8.8674%5,041
Tier 1 risk-based capital ratio11.2396%5,404
Total risk-based capital ratio12.0379%5,544
Memoranda:
Average total assets$2,276,608,200345
Average earning assets$2,122,487,600337
Average equity$220,501,800385
Average total loans$1,497,192,600352
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8430%3,959
Cost of funding earning assets0.2626%4,750
Net interest margin3.5804%3,235
Noninterest income to average assets1.2005%841
Noninterest expense to average assets2.7006%3,562
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.3001%1,343
Return on assets (ROA)1.3294%1,320
Pretax return on assets1.8778%757
Return on Equity (ROE)13.6985%963
Retained earnings to average equity (ytd only)7.6040%1,414
Net charge-offs to loans0.0143%3,675
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)195.2936%365
Efficiency ratio58.7008%5,044
Assets per employee ($millions)4.8344%2,513
Cash dividends to net income (ytd only)*44.4899%2,112
Condition Ratios (%)
Loss allowance to loans0.9717%4,881
Loan loss allowance to noncurrent loans276.7991%1,724
Noncurrent assets plus other real estate owned to assets0.2367%4,811
Noncurrent loans to loans0.3511%4,356
Net loans and leases to total assets65.2744%3,116
Net loans and leases to deposits82.4234%2,595
Net loans and leases to core deposits87.9549%2,665
Total domestic deposits to total assets79.1940%4,930
Equity capital to assets9.8075%4,382
Core capital (leverage) ratio8.9744%5,020
Tier 1 risk-based capital ratio11.4952%5,378
Total risk-based capital ratio12.3390%5,506
Memoranda:
Average total assets$2,254,288,000353
Average earning assets$2,100,783,250343
Average equity$218,773,000394
Average total loans$1,477,713,500356
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8510%3,862
Cost of funding earning assets0.2583%4,855
Net interest margin3.5927%3,118
Noninterest income to average assets1.1210%961
Noninterest expense to average assets2.5857%3,953
Loan and lease loss provision to assets0.0447%3,218
Net operating income to assets1.2666%1,410
Return on assets (ROA)1.3097%1,353
Pretax return on assets1.9013%730
Return on Equity (ROE)13.5444%997
Retained earnings to average equity (ytd only)8.9214%944
Net charge-offs to loans0.0234%3,202
Credit loss provision to net charge-offs292.3977%941
Earnings coverage of net charge-offs (x)123.2105%511
Efficiency ratio56.9603%5,341
Assets per employee ($millions)4.6425%2,757
Cash dividends to net income (ytd only)*34.1320%2,656
Condition Ratios (%)
Loss allowance to loans1.0287%4,718
Loan loss allowance to noncurrent loans280.1689%1,702
Noncurrent assets plus other real estate owned to assets0.2559%4,846
Noncurrent loans to loans0.3672%4,390
Net loans and leases to total assets65.1975%3,091
Net loans and leases to deposits82.4362%2,500
Net loans and leases to core deposits86.4418%2,722
Total domestic deposits to total assets79.0884%5,084
Equity capital to assets9.7344%4,364
Core capital (leverage) ratio8.9985%4,971
Tier 1 risk-based capital ratio11.8927%5,222
Total risk-based capital ratio12.8078%5,344
Memoranda:
Average total assets$2,237,054,000352
Average earning assets$2,084,890,670345
Average equity$216,311,000397
Average total loans$1,463,621,330356
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8497%3,828
Cost of funding earning assets0.2578%4,930
Net interest margin3.5919%3,040
Noninterest income to average assets1.1983%790
Noninterest expense to average assets2.6471%3,754
Loan and lease loss provision to assets0.0448%3,022
Net operating income to assets1.2533%1,398
Return on assets (ROA)1.3097%1,327
Pretax return on assets1.9342%670
Return on Equity (ROE)13.5912%958
Retained earnings to average equity (ytd only)4.2834%3,445
Net charge-offs to loans0.0028%3,227
Credit loss provision to net charge-offs2,500.0000%159
Earnings coverage of net charge-offs (x)1,056.9000%36
Efficiency ratio57.2991%5,412
Assets per employee ($millions)4.6608%2,820
Cash dividends to net income (ytd only)*68.4838%1,223
Condition Ratios (%)
Loss allowance to loans1.0438%4,797
Loan loss allowance to noncurrent loans249.7366%1,861
Noncurrent assets plus other real estate owned to assets0.2866%4,814
Noncurrent loans to loans0.4179%4,337
Net loans and leases to total assets64.4177%3,039
Net loans and leases to deposits78.9419%2,690
Net loans and leases to core deposits84.4246%2,725
Total domestic deposits to total assets81.6014%4,638
Equity capital to assets9.7541%4,426
Core capital (leverage) ratio8.7146%5,309
Tier 1 risk-based capital ratio11.7029%5,434
Total risk-based capital ratio12.6326%5,529
Memoranda:
Average total assets$2,229,763,000353
Average earning assets$2,076,325,500345
Average equity$214,875,000398
Average total loans$1,453,798,000354
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9645%3,858
Cost of funding earning assets0.2711%5,083
Net interest margin3.6935%3,030
Noninterest income to average assets1.0274%1,159
Noninterest expense to average assets2.6268%4,126
Loan and lease loss provision to assets0.0069%4,491
Net operating income to assets1.2535%1,421
Return on assets (ROA)1.3003%1,356
Pretax return on assets1.8883%660
Return on Equity (ROE)14.0027%935
Retained earnings to average equity (ytd only)4.1382%3,255
Net charge-offs to loans-0.0138%5,627
Credit loss provision to net charge-offs-76.9231%5,474
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6846%5,495
Assets per employee ($millions)4.7063%2,721
Cash dividends to net income (ytd only)*70.4473%1,267
Condition Ratios (%)
Loss allowance to loans1.0265%4,918
Loan loss allowance to noncurrent loans244.3372%1,942
Noncurrent assets plus other real estate owned to assets0.2905%4,871
Noncurrent loans to loans0.4201%4,381
Net loans and leases to total assets64.6592%3,113
Net loans and leases to deposits80.0294%2,709
Net loans and leases to core deposits83.8179%2,916
Total domestic deposits to total assets80.7943%4,798
Equity capital to assets9.5229%4,697
Core capital (leverage) ratio8.5929%5,453
Tier 1 risk-based capital ratio11.6433%5,581
Total risk-based capital ratio12.5742%5,679
Memoranda:
Average total assets$2,183,395,200340
Average earning assets$2,025,764,800334
Average equity$202,746,200400
Average total loans$1,415,785,000346
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9595%3,929
Cost of funding earning assets0.2735%5,170
Net interest margin3.6859%3,084
Noninterest income to average assets1.0542%1,107
Noninterest expense to average assets2.6380%4,066
Loan and lease loss provision to assets0.0338%3,730
Net operating income to assets1.2321%1,574
Return on assets (ROA)1.2754%1,506
Pretax return on assets1.8624%773
Return on Equity (ROE)13.8255%1,021
Retained earnings to average equity (ytd only)5.1779%2,972
Net charge-offs to loans-0.0434%5,856
Credit loss provision to net charge-offs-120.0873%5,477
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.6727%5,488
Assets per employee ($millions)4.6616%2,716
Cash dividends to net income (ytd only)*62.5481%1,279
Condition Ratios (%)
Loss allowance to loans1.0825%4,828
Loan loss allowance to noncurrent loans270.5535%1,681
Noncurrent assets plus other real estate owned to assets0.2856%5,126
Noncurrent loans to loans0.4001%4,706
Net loans and leases to total assets64.7525%3,067
Net loans and leases to deposits79.9807%2,693
Net loans and leases to core deposits83.4540%2,947
Total domestic deposits to total assets80.9601%4,831
Equity capital to assets9.4784%4,821
Core capital (leverage) ratio8.5927%5,558
Tier 1 risk-based capital ratio11.7550%5,637
Total risk-based capital ratio12.7412%5,727
Memoranda:
Average total assets$2,172,724,500342
Average earning assets$2,013,729,250332
Average equity$200,435,750401
Average total loans$1,406,158,000343
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9412%3,972
Cost of funding earning assets0.2710%5,279
Net interest margin3.6702%3,066
Noninterest income to average assets1.0455%1,086
Noninterest expense to average assets2.6802%3,943
Loan and lease loss provision to assets0.0508%3,287
Net operating income to assets1.1770%1,668
Return on assets (ROA)1.2071%1,627
Pretax return on assets1.7559%921
Return on Equity (ROE)13.2079%1,123
Retained earnings to average equity (ytd only)0.0587%5,654
Net charge-offs to loans-0.0597%5,950
Credit loss provision to net charge-offs-132.2115%5,310
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.9198%5,442
Assets per employee ($millions)4.5488%2,848
Cash dividends to net income (ytd only)*99.5558%540
Condition Ratios (%)
Loss allowance to loans1.0964%4,926
Loan loss allowance to noncurrent loans260.5126%1,711
Noncurrent assets plus other real estate owned to assets0.3155%5,111
Noncurrent loans to loans0.4209%4,729
Net loans and leases to total assets64.1112%3,060
Net loans and leases to deposits79.6486%2,569
Net loans and leases to core deposits82.8348%2,878
Total domestic deposits to total assets80.4926%5,134
Equity capital to assets9.1693%5,137
Core capital (leverage) ratio8.3582%5,790
Tier 1 risk-based capital ratio11.3445%5,880
Total risk-based capital ratio12.3364%5,951
Memoranda:
Average total assets$2,163,533,670338
Average earning assets$2,002,996,000329
Average equity$197,730,000402
Average total loans$1,394,764,330340
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9540%3,878
Cost of funding earning assets0.2705%5,378
Net interest margin3.6835%2,935
Noninterest income to average assets1.1255%880
Noninterest expense to average assets2.7799%3,640
Loan and lease loss provision to assets0.0651%2,825
Net operating income to assets1.1515%1,625
Return on assets (ROA)1.1803%1,603
Pretax return on assets1.7288%917
Return on Equity (ROE)12.9364%1,175
Retained earnings to average equity (ytd only)-1.3287%5,774
Net charge-offs to loans-0.1591%6,309
Credit loss provision to net charge-offs-63.6364%4,777
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.9196%5,422
Assets per employee ($millions)4.4745%3,012
Cash dividends to net income (ytd only)*110.2710%584
Condition Ratios (%)
Loss allowance to loans1.1266%5,004
Loan loss allowance to noncurrent loans131.3094%2,949
Noncurrent assets plus other real estate owned to assets0.5861%4,390
Noncurrent loans to loans0.8580%3,746
Net loans and leases to total assets63.4011%2,997
Net loans and leases to deposits76.2490%2,789
Net loans and leases to core deposits79.3072%3,058
Total domestic deposits to total assets83.1501%4,553
Equity capital to assets9.1956%4,876
Core capital (leverage) ratio8.3831%5,763
Tier 1 risk-based capital ratio11.5472%5,889
Total risk-based capital ratio12.5584%5,961
Memoranda:
Average total assets$2,151,305,000339
Average earning assets$1,989,198,500334
Average equity$196,283,500403
Average total loans$1,382,998,000342
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0208%4,017
Cost of funding earning assets0.3157%5,462
Net interest margin3.7051%3,032
Noninterest income to average assets1.0362%1,304
Noninterest expense to average assets2.6544%4,264
Loan and lease loss provision to assets0.0172%4,788
Net operating income to assets1.1957%1,585
Return on assets (ROA)1.2636%1,408
Pretax return on assets1.8857%623
Return on Equity (ROE)13.9183%968
Retained earnings to average equity (ytd only)6.3493%1,772
Net charge-offs to loans0.1007%3,830
Credit loss provision to net charge-offs27.2162%4,309
Earnings coverage of net charge-offs (x)28.5412%1,230
Efficiency ratio58.0102%5,734
Assets per employee ($millions)4.5174%2,871
Cash dividends to net income (ytd only)*54.3816%2,054
Condition Ratios (%)
Loss allowance to loans1.0480%5,352
Loan loss allowance to noncurrent loans173.9089%2,342
Noncurrent assets plus other real estate owned to assets0.4360%4,946
Noncurrent loans to loans0.6026%4,474
Net loans and leases to total assets63.7728%3,076
Net loans and leases to deposits75.5825%3,010
Net loans and leases to core deposits78.3885%3,311
Total domestic deposits to total assets84.3751%4,029
Equity capital to assets9.0528%4,967
Core capital (leverage) ratio8.3665%5,812
Tier 1 risk-based capital ratio11.5114%5,898
Total risk-based capital ratio12.4591%6,018
Memoranda:
Average total assets$2,037,352,400350
Average earning assets$1,880,476,000339
Average equity$184,965,000415
Average total loans$1,277,015,200349
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0062%4,109
Cost of funding earning assets0.3213%5,541
Net interest margin3.6849%3,084
Noninterest income to average assets1.0575%1,307
Noninterest expense to average assets2.6243%4,308
Loan and lease loss provision to assets-0.0166%6,480
Net operating income to assets1.2293%1,534
Return on assets (ROA)1.2959%1,430
Pretax return on assets1.9464%656
Return on Equity (ROE)14.2627%934
Retained earnings to average equity (ytd only)7.6816%1,556
Net charge-offs to loans0.0861%3,720
Credit loss provision to net charge-offs-31.0174%5,676
Earnings coverage of net charge-offs (x)34.1824%1,121
Efficiency ratio57.3534%5,759
Assets per employee ($millions)4.5705%2,767
Cash dividends to net income (ytd only)*46.1420%2,044
Condition Ratios (%)
Loss allowance to loans1.1208%5,252
Loan loss allowance to noncurrent loans210.9377%1,901
Noncurrent assets plus other real estate owned to assets0.3626%5,326
Noncurrent loans to loans0.5313%4,866
Net loans and leases to total assets62.1805%3,328
Net loans and leases to deposits75.9405%2,972
Net loans and leases to core deposits79.0567%3,220
Total domestic deposits to total assets81.8806%4,965
Equity capital to assets8.8318%5,382
Core capital (leverage) ratio8.2206%6,042
Tier 1 risk-based capital ratio11.3456%6,131
Total risk-based capital ratio12.3469%6,201
Memoranda:
Average total assets$2,006,858,750358
Average earning assets$1,850,183,500345
Average equity$182,336,250421
Average total loans$1,248,357,250355
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0118%4,053
Cost of funding earning assets0.3277%5,587
Net interest margin3.6841%3,016
Noninterest income to average assets1.0960%1,265
Noninterest expense to average assets2.6343%4,267
Loan and lease loss provision to assets0.0151%4,591
Net operating income to assets1.2207%1,539
Return on assets (ROA)1.2923%1,435
Pretax return on assets1.9481%674
Return on Equity (ROE)14.0886%993
Retained earnings to average equity (ytd only)4.2364%3,599
Net charge-offs to loans0.0659%3,764
Credit loss provision to net charge-offs36.8550%3,474
Earnings coverage of net charge-offs (x)45.3833%850
Efficiency ratio57.0841%5,843
Assets per employee ($millions)4.3556%3,088
Cash dividends to net income (ytd only)*69.9301%1,194
Condition Ratios (%)
Loss allowance to loans1.2090%4,939
Loan loss allowance to noncurrent loans177.3942%2,199
Noncurrent assets plus other real estate owned to assets0.5073%4,997
Noncurrent loans to loans0.6816%4,571
Net loans and leases to total assets62.2450%3,247
Net loans and leases to deposits75.3348%2,967
Net loans and leases to core deposits78.1036%3,271
Total domestic deposits to total assets82.6245%4,846
Equity capital to assets8.7899%5,453
Core capital (leverage) ratio8.0015%6,185
Tier 1 risk-based capital ratio11.1218%6,283
Total risk-based capital ratio12.2034%6,326
Memoranda:
Average total assets$1,991,764,670360
Average earning assets$1,834,443,000348
Average equity$182,701,000418
Average total loans$1,234,311,000359
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0366%3,966
Cost of funding earning assets0.3468%5,565
Net interest margin3.6898%2,896
Noninterest income to average assets1.0643%1,314
Noninterest expense to average assets2.6957%4,080
Loan and lease loss provision to assets0.0705%3,453
Net operating income to assets1.1349%1,729
Return on assets (ROA)1.2188%1,587
Pretax return on assets1.8007%884
Return on Equity (ROE)13.0133%1,169
Retained earnings to average equity (ytd only)13.0133%562
Net charge-offs to loans0.0446%3,402
Credit loss provision to net charge-offs257.3529%903
Earnings coverage of net charge-offs (x)63.8015%559
Efficiency ratio59.0027%5,718
Assets per employee ($millions)4.4530%3,060
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.2907%4,755
Loan loss allowance to noncurrent loans158.2261%2,288
Noncurrent assets plus other real estate owned to assets0.5922%4,907
Noncurrent loans to loans0.8157%4,488
Net loans and leases to total assets60.9974%3,248
Net loans and leases to deposits71.4021%3,262
Net loans and leases to core deposits73.8016%3,606
Total domestic deposits to total assets85.4281%3,828
Equity capital to assets9.5249%4,815
Core capital (leverage) ratio8.1859%5,942
Tier 1 risk-based capital ratio11.5163%6,180
Total risk-based capital ratio12.6574%6,208
Memoranda:
Average total assets$1,985,851,000367
Average earning assets$1,818,658,500352
Average equity$185,995,000418
Average total loans$1,220,267,000363
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3585%3,994
Cost of funding earning assets0.4940%5,261
Net interest margin3.8644%2,973
Noninterest income to average assets1.0384%1,439
Noninterest expense to average assets2.6191%4,677
Loan and lease loss provision to assets0.1248%4,056
Net operating income to assets1.2384%1,481
Return on assets (ROA)1.2970%1,460
Pretax return on assets1.9175%721
Return on Equity (ROE)13.6736%1,063
Retained earnings to average equity (ytd only)4.1300%3,322
Net charge-offs to loans0.1898%3,859
Credit loss provision to net charge-offs109.4374%2,679
Earnings coverage of net charge-offs (x)17.1556%1,524
Efficiency ratio55.3754%6,129
Assets per employee ($millions)4.5535%2,876
Cash dividends to net income (ytd only)*69.7962%1,381
Condition Ratios (%)
Loss allowance to loans1.2706%4,780
Loan loss allowance to noncurrent loans149.8503%2,375
Noncurrent assets plus other real estate owned to assets0.6004%4,970
Noncurrent loans to loans0.8479%4,491
Net loans and leases to total assets60.3293%3,545
Net loans and leases to deposits72.1714%3,386
Net loans and leases to core deposits73.8573%3,799
Total domestic deposits to total assets83.5916%4,501
Equity capital to assets9.2092%5,257
Core capital (leverage) ratio7.9135%6,274
Tier 1 risk-based capital ratio10.7385%6,458
Total risk-based capital ratio11.8322%6,491
Memoranda:
Average total assets$1,933,080,000363
Average earning assets$1,769,101,400350
Average equity$183,367,800403
Average total loans$1,161,413,400377
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4049%4,026
Cost of funding earning assets0.5258%5,269
Net interest margin3.8791%2,986
Noninterest income to average assets1.0479%1,383
Noninterest expense to average assets2.5990%4,745
Loan and lease loss provision to assets0.1197%4,052
Net operating income to assets1.2768%1,500
Return on assets (ROA)1.3090%1,560
Pretax return on assets1.9430%789
Return on Equity (ROE)13.6957%1,173
Retained earnings to average equity (ytd only)5.6895%2,902
Net charge-offs to loans0.1292%4,088
Credit loss provision to net charge-offs154.9055%1,820
Earnings coverage of net charge-offs (x)26.0656%1,226
Efficiency ratio54.4203%6,211
Assets per employee ($millions)4.6131%2,728
Cash dividends to net income (ytd only)*58.4578%1,333
Condition Ratios (%)
Loss allowance to loans1.3446%4,608
Loan loss allowance to noncurrent loans131.1100%2,563
Noncurrent assets plus other real estate owned to assets0.7032%4,930
Noncurrent loans to loans1.0256%4,402
Net loans and leases to total assets59.7258%3,832
Net loans and leases to deposits70.9984%3,754
Net loans and leases to core deposits73.1626%4,090
Total domestic deposits to total assets84.1227%4,161
Equity capital to assets9.5533%5,138
Core capital (leverage) ratio8.0177%6,315
Tier 1 risk-based capital ratio11.4037%6,289
Total risk-based capital ratio12.5962%6,295
Memoranda:
Average total assets$1,916,598,000370
Average earning assets$1,761,707,000356
Average equity$183,186,500402
Average total loans$1,146,390,000383
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4978%3,774
Cost of funding earning assets0.5650%5,186
Net interest margin3.9328%2,777
Noninterest income to average assets0.9999%1,466
Noninterest expense to average assets2.6003%4,779
Loan and lease loss provision to assets0.1136%4,109
Net operating income to assets1.2763%1,499
Return on assets (ROA)1.2829%1,641
Pretax return on assets1.9030%840
Return on Equity (ROE)13.4203%1,253
Retained earnings to average equity (ytd only)9.0238%1,266
Net charge-offs to loans0.1237%3,937
Credit loss provision to net charge-offs154.2083%1,799
Earnings coverage of net charge-offs (x)27.2454%1,138
Efficiency ratio54.4689%6,275
Assets per employee ($millions)4.5287%2,846
Cash dividends to net income (ytd only)*32.7600%2,483
Condition Ratios (%)
Loss allowance to loans1.3615%4,606
Loan loss allowance to noncurrent loans116.2629%2,810
Noncurrent assets plus other real estate owned to assets0.9156%4,536
Noncurrent loans to loans1.1710%4,198
Net loans and leases to total assets58.6536%4,053
Net loans and leases to deposits69.9663%3,902
Net loans and leases to core deposits71.4000%4,370
Total domestic deposits to total assets83.8311%4,387
Equity capital to assets9.6011%4,913
Core capital (leverage) ratio8.0611%6,208
Tier 1 risk-based capital ratio11.6214%6,159
Total risk-based capital ratio12.8192%6,162
Memoranda:
Average total assets$1,903,481,330373
Average earning assets$1,745,864,330363
Average equity$181,962,670407
Average total loans$1,133,811,000385
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5796%3,595
Cost of funding earning assets0.5956%5,172
Net interest margin3.9840%2,575
Noninterest income to average assets1.0118%1,398
Noninterest expense to average assets2.6451%4,644
Loan and lease loss provision to assets0.1463%3,534
Net operating income to assets1.2510%1,598
Return on assets (ROA)1.2536%1,764
Pretax return on assets1.8616%945
Return on Equity (ROE)13.1431%1,371
Retained earnings to average equity (ytd only)13.1431%664
Net charge-offs to loans0.0840%3,664
Credit loss provision to net charge-offs292.3729%1,010
Earnings coverage of net charge-offs (x)40.0424%749
Efficiency ratio54.8764%6,245
Assets per employee ($millions)4.5691%2,866
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.4250%4,493
Loan loss allowance to noncurrent loans99.3322%3,085
Noncurrent assets plus other real estate owned to assets0.9890%4,526
Noncurrent loans to loans1.4346%3,958
Net loans and leases to total assets57.2411%4,174
Net loans and leases to deposits67.1456%4,205
Net loans and leases to core deposits68.5827%4,613
Total domestic deposits to total assets85.2492%3,911
Equity capital to assets9.6092%4,638
Core capital (leverage) ratio8.1470%6,097
Tier 1 risk-based capital ratio11.8925%6,031
Total risk-based capital ratio13.1425%6,019
Memoranda:
Average total assets$1,886,079,500373
Average earning assets$1,722,003,000361
Average equity$179,896,000411
Average total loans$1,124,434,000382
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0457%2,679
Cost of funding earning assets0.8804%4,249
Net interest margin4.1653%2,175
Noninterest income to average assets1.0669%1,176
Noninterest expense to average assets2.8919%3,988
Loan and lease loss provision to assets0.3923%2,637
Net operating income to assets1.1110%1,790
Return on assets (ROA)1.1942%1,634
Pretax return on assets1.7185%953
Return on Equity (ROE)12.2414%1,348
Retained earnings to average equity (ytd only)-1.0638%6,016
Net charge-offs to loans0.4444%3,213
Credit loss provision to net charge-offs141.5193%2,064
Earnings coverage of net charge-offs (x)7.1802%2,384
Efficiency ratio56.9229%6,198
Assets per employee ($millions)4.4768%2,952
Cash dividends to net income (ytd only)*108.6904%258
Condition Ratios (%)
Loss allowance to loans1.3402%4,710
Loan loss allowance to noncurrent loans85.7479%3,472
Noncurrent assets plus other real estate owned to assets1.0820%4,453
Noncurrent loans to loans1.5630%3,821
Net loans and leases to total assets60.3782%3,924
Net loans and leases to deposits71.4210%3,882
Net loans and leases to core deposits72.9630%4,382
Total domestic deposits to total assets84.5385%4,071
Equity capital to assets9.4656%4,935
Core capital (leverage) ratio7.7243%6,519
Tier 1 risk-based capital ratio10.9675%6,471
Total risk-based capital ratio12.1401%6,488
Memoranda:
Average total assets$1,733,474,000386
Average earning assets$1,587,837,600373
Average equity$169,106,200420
Average total loans$1,081,191,200389
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1215%2,509
Cost of funding earning assets0.9307%4,191
Net interest margin4.1908%2,139
Noninterest income to average assets1.0874%1,133
Noninterest expense to average assets2.9588%3,710
Loan and lease loss provision to assets0.3059%3,084
Net operating income to assets1.1482%1,819
Return on assets (ROA)1.1482%1,936
Pretax return on assets1.6802%1,184
Return on Equity (ROE)11.6747%1,626
Retained earnings to average equity (ytd only)1.7072%5,288
Net charge-offs to loans0.2566%3,827
Credit loss provision to net charge-offs190.1511%1,530
Earnings coverage of net charge-offs (x)12.3476%1,715
Efficiency ratio57.4650%6,086
Assets per employee ($millions)4.5810%2,790
Cash dividends to net income (ytd only)*85.3767%512
Condition Ratios (%)
Loss allowance to loans1.3510%4,772
Loan loss allowance to noncurrent loans105.8265%2,822
Noncurrent assets plus other real estate owned to assets0.9297%4,893
Noncurrent loans to loans1.2766%4,398
Net loans and leases to total assets59.3942%4,256
Net loans and leases to deposits70.5919%4,203
Net loans and leases to core deposits72.8069%4,608
Total domestic deposits to total assets84.1374%4,163
Equity capital to assets9.9021%4,474
Core capital (leverage) ratio8.1994%6,134
Tier 1 risk-based capital ratio11.6458%6,142
Total risk-based capital ratio12.8485%6,162
Memoranda:
Average total assets$1,700,132,000395
Average earning assets$1,564,923,000383
Average equity$167,206,000432
Average total loans$1,065,869,500400
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2834%1,940
Cost of funding earning assets0.9993%3,951
Net interest margin4.2841%1,724
Noninterest income to average assets1.1325%1,008
Noninterest expense to average assets3.1330%3,134
Loan and lease loss provision to assets0.3160%2,898
Net operating income to assets1.1201%1,818
Return on assets (ROA)1.1201%1,898
Pretax return on assets1.6279%1,205
Return on Equity (ROE)11.4188%1,666
Retained earnings to average equity (ytd only)-4.0706%6,478
Net charge-offs to loans0.2172%3,830
Credit loss provision to net charge-offs228.6719%1,317
Earnings coverage of net charge-offs (x)14.0651%1,503
Efficiency ratio59.2803%5,984
Assets per employee ($millions)4.3413%3,095
Cash dividends to net income (ytd only)*135.6484%230
Condition Ratios (%)
Loss allowance to loans1.3281%4,934
Loan loss allowance to noncurrent loans82.5099%3,422
Noncurrent assets plus other real estate owned to assets1.1148%4,666
Noncurrent loans to loans1.6097%3,978
Net loans and leases to total assets60.5105%4,180
Net loans and leases to deposits71.2356%4,250
Net loans and leases to core deposits73.3167%4,664
Total domestic deposits to total assets84.9442%3,899
Equity capital to assets9.6867%4,556
Core capital (leverage) ratio7.9936%6,307
Tier 1 risk-based capital ratio11.3805%6,266
Total risk-based capital ratio12.5737%6,293
Memoranda:
Average total assets$1,645,347,000409
Average earning assets$1,514,864,670397
Average equity$161,400,000448
Average total loans$1,046,971,670415
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4295%1,479
Cost of funding earning assets1.0750%3,693
Net interest margin4.3544%1,413
Noninterest income to average assets1.2687%790
Noninterest expense to average assets3.5005%1,999
Loan and lease loss provision to assets0.3332%2,564
Net operating income to assets1.0203%2,104
Return on assets (ROA)1.0203%2,156
Pretax return on assets1.4453%1,612
Return on Equity (ROE)10.3262%1,985
Retained earnings to average equity (ytd only)-2.6432%6,245
Net charge-offs to loans0.1751%3,442
Credit loss provision to net charge-offs292.7928%1,099
Earnings coverage of net charge-offs (x)15.6284%1,308
Efficiency ratio63.8006%5,393
Assets per employee ($millions)4.3463%3,141
Cash dividends to net income (ytd only)*125.5966%431
Condition Ratios (%)
Loss allowance to loans1.2896%5,186
Loan loss allowance to noncurrent loans71.5772%3,848
Noncurrent assets plus other real estate owned to assets1.3232%4,319
Noncurrent loans to loans1.8018%3,825
Net loans and leases to total assets61.7803%3,902
Net loans and leases to deposits72.5755%3,977
Net loans and leases to core deposits74.3295%4,505
Total domestic deposits to total assets85.1256%3,977
Equity capital to assets9.8262%4,000
Core capital (leverage) ratio8.3618%5,698
Tier 1 risk-based capital ratio11.6982%5,941
Total risk-based capital ratio12.8597%5,998
Memoranda:
Average total assets$1,560,686,500439
Average earning assets$1,437,339,000424
Average equity$154,209,500460
Average total loans$1,014,035,500433
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3369%2,951
Cost of funding earning assets1.1374%4,922
Net interest margin4.1995%2,189
Noninterest income to average assets1.2885%884
Noninterest expense to average assets3.0921%3,487
Loan and lease loss provision to assets0.4000%3,714
Net operating income to assets1.1366%1,590
Return on assets (ROA)1.1366%1,668
Pretax return on assets1.6620%1,019
Return on Equity (ROE)10.7230%1,676
Retained earnings to average equity (ytd only)0.6104%5,273
Net charge-offs to loans0.3224%4,402
Credit loss provision to net charge-offs178.6936%1,852
Earnings coverage of net charge-offs (x)9.2110%1,852
Efficiency ratio58.6580%6,254
Assets per employee ($millions)3.8035%4,249
Cash dividends to net income (ytd only)*94.3078%488
Condition Ratios (%)
Loss allowance to loans1.4333%4,359
Loan loss allowance to noncurrent loans122.9186%2,385
Noncurrent assets plus other real estate owned to assets0.9469%5,115
Noncurrent loans to loans1.1661%4,771
Net loans and leases to total assets67.0669%3,203
Net loans and leases to deposits83.5678%2,518
Net loans and leases to core deposits85.9204%3,329
Total domestic deposits to total assets80.2546%5,768
Equity capital to assets9.9512%3,808
Core capital (leverage) ratio8.7445%4,954
Tier 1 risk-based capital ratio11.9438%5,525
Total risk-based capital ratio13.1948%5,503
Memoranda:
Average total assets$1,306,103,000518
Average earning assets$1,202,297,800505
Average equity$138,440,200498
Average total loans$906,971,600495
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3741%3,004
Cost of funding earning assets1.1751%5,006
Net interest margin4.1990%2,219
Noninterest income to average assets1.3143%797
Noninterest expense to average assets3.1243%3,220
Loan and lease loss provision to assets0.4001%3,505
Net operating income to assets1.1294%1,797
Return on assets (ROA)1.1294%1,909
Pretax return on assets1.6511%1,214
Return on Equity (ROE)10.4858%1,946
Retained earnings to average equity (ytd only)1.8579%5,031
Net charge-offs to loans0.4720%3,389
Credit loss provision to net charge-offs121.4353%3,387
Earnings coverage of net charge-offs (x)6.2253%2,568
Efficiency ratio58.9171%6,120
Assets per employee ($millions)3.7051%4,498
Cash dividends to net income (ytd only)*82.2819%597
Condition Ratios (%)
Loss allowance to loans1.2618%5,154
Loan loss allowance to noncurrent loans103.4666%2,702
Noncurrent assets plus other real estate owned to assets1.0162%5,060
Noncurrent loans to loans1.2195%4,810
Net loans and leases to total assets67.8855%3,246
Net loans and leases to deposits83.9206%2,719
Net loans and leases to core deposits85.8715%3,678
Total domestic deposits to total assets80.8926%5,415
Equity capital to assets10.4356%3,592
Core capital (leverage) ratio9.1164%4,507
Tier 1 risk-based capital ratio12.1939%5,277
Total risk-based capital ratio13.3789%5,298
Memoranda:
Average total assets$1,291,265,000520
Average earning assets$1,187,374,500510
Average equity$139,080,500490
Average total loans$901,443,000497
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3854%3,040
Cost of funding earning assets1.2049%5,100
Net interest margin4.1805%2,218
Noninterest income to average assets1.3074%745
Noninterest expense to average assets3.1384%3,156
Loan and lease loss provision to assets0.3930%3,358
Net operating income to assets1.1147%1,803
Return on assets (ROA)1.1147%1,873
Pretax return on assets1.6215%1,243
Return on Equity (ROE)10.2363%2,012
Retained earnings to average equity (ytd only)3.0175%4,195
Net charge-offs to loans0.6055%2,718
Credit loss provision to net charge-offs92.4898%4,348
Earnings coverage of net charge-offs (x)4.7407%2,862
Efficiency ratio59.4856%6,147
Assets per employee ($millions)3.7049%4,457
Cash dividends to net income (ytd only)*70.5219%1,018
Condition Ratios (%)
Loss allowance to loans1.1706%5,601
Loan loss allowance to noncurrent loans122.7773%2,273
Noncurrent assets plus other real estate owned to assets0.7969%5,518
Noncurrent loans to loans0.9534%5,398
Net loans and leases to total assets68.4444%3,260
Net loans and leases to deposits86.3962%2,445
Net loans and leases to core deposits88.6261%3,466
Total domestic deposits to total assets79.2215%5,972
Equity capital to assets10.5194%3,384
Core capital (leverage) ratio9.3578%4,028
Tier 1 risk-based capital ratio12.3214%5,021
Total risk-based capital ratio13.4289%5,122
Memoranda:
Average total assets$1,272,130,670526
Average earning assets$1,170,196,670515
Average equity$138,527,000489
Average total loans$892,840,670503
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4597%2,782
Cost of funding earning assets1.2201%5,280
Net interest margin4.2396%1,895
Noninterest income to average assets1.4659%553
Noninterest expense to average assets3.2836%2,582
Loan and lease loss provision to assets0.4834%2,565
Net operating income to assets1.1137%1,786
Return on assets (ROA)1.1137%1,869
Pretax return on assets1.5967%1,274
Return on Equity (ROE)10.0437%2,085
Retained earnings to average equity (ytd only)10.0437%1,131
Net charge-offs to loans0.8220%1,886
Credit loss provision to net charge-offs83.1947%3,806
Earnings coverage of net charge-offs (x)3.5801%2,859
Efficiency ratio59.9099%6,190
Assets per employee ($millions)3.6887%4,597
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2296%5,337
Loan loss allowance to noncurrent loans115.1069%2,400
Noncurrent assets plus other real estate owned to assets0.8779%5,402
Noncurrent loans to loans1.0682%5,211
Net loans and leases to total assets69.0229%3,150
Net loans and leases to deposits88.1926%2,189
Net loans and leases to core deposits90.9593%3,236
Total domestic deposits to total assets78.2639%6,251
Equity capital to assets11.2115%2,577
Core capital (leverage) ratio9.9939%3,169
Tier 1 risk-based capital ratio13.0912%4,266
Total risk-based capital ratio14.2359%4,316
Memoranda:
Average total assets$1,241,309,000554
Average earning assets$1,141,235,500542
Average equity$137,638,000495
Average total loans$877,408,000530
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7233%2,995
Cost of funding earning assets1.6011%5,018
Net interest margin4.1222%2,355
Noninterest income to average assets1.3273%848
Noninterest expense to average assets3.2875%3,053
Loan and lease loss provision to assets0.3095%4,968
Net operating income to assets1.0811%1,565
Return on assets (ROA)1.0811%1,614
Pretax return on assets1.5168%1,146
Return on Equity (ROE)10.3523%1,592
Retained earnings to average equity (ytd only)4.0308%2,396
Net charge-offs to loans0.2527%5,043
Credit loss provision to net charge-offs166.2234%2,619
Earnings coverage of net charge-offs (x)9.8098%1,753
Efficiency ratio62.8207%5,994
Assets per employee ($millions)3.7224%4,468
Cash dividends to net income (ytd only)*61.0640%1,952
Condition Ratios (%)
Loss allowance to loans1.2468%5,078
Loan loss allowance to noncurrent loans129.7985%2,197
Noncurrent assets plus other real estate owned to assets0.8780%5,351
Noncurrent loans to loans0.9606%5,387
Net loans and leases to total assets70.6018%3,105
Net loans and leases to deposits89.5094%2,299
Net loans and leases to core deposits95.7232%4,492
Total domestic deposits to total assets78.8763%6,013
Equity capital to assets10.9636%2,735
Core capital (leverage) ratio9.4996%3,724
Tier 1 risk-based capital ratio12.4677%4,551
Total risk-based capital ratio13.6232%4,584
Memoranda:
Average total assets$1,211,815,600552
Average earning assets$1,113,136,000543
Average equity$126,552,000527
Average total loans$892,819,400536
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7662%3,037
Cost of funding earning assets1.6551%5,137
Net interest margin4.1111%2,352
Noninterest income to average assets1.3273%870
Noninterest expense to average assets3.2864%2,969
Loan and lease loss provision to assets0.3317%4,351
Net operating income to assets1.0375%1,945
Return on assets (ROA)1.0375%2,005
Pretax return on assets1.4868%1,454
Return on Equity (ROE)10.0632%1,889
Retained earnings to average equity (ytd only)6.8458%1,572
Net charge-offs to loans0.2583%4,440
Credit loss provision to net charge-offs173.0104%2,679
Earnings coverage of net charge-offs (x)9.4844%2,102
Efficiency ratio62.9115%5,945
Assets per employee ($millions)3.6493%4,545
Cash dividends to net income (ytd only)*31.9727%2,807
Condition Ratios (%)
Loss allowance to loans1.2046%5,081
Loan loss allowance to noncurrent loans139.5060%2,031
Noncurrent assets plus other real estate owned to assets0.8548%5,387
Noncurrent loans to loans0.8635%5,565
Net loans and leases to total assets72.1572%2,997
Net loans and leases to deposits91.7204%2,285
Net loans and leases to core deposits98.9036%4,498
Total domestic deposits to total assets78.6708%5,907
Equity capital to assets11.2036%2,831
Core capital (leverage) ratio9.8922%3,409
Tier 1 risk-based capital ratio12.5211%4,526
Total risk-based capital ratio13.6475%4,573
Memoranda:
Average total assets$1,205,814,000569
Average earning assets$1,107,991,000559
Average equity$124,317,250547
Average total loans$895,142,250549
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7672%3,207
Cost of funding earning assets1.7321%5,110
Net interest margin4.0351%2,555
Noninterest income to average assets1.3311%868
Noninterest expense to average assets3.3499%2,791
Loan and lease loss provision to assets0.2919%4,234
Net operating income to assets0.9706%2,206
Return on assets (ROA)0.9706%2,301
Pretax return on assets1.3966%1,739
Return on Equity (ROE)9.7012%2,131
Retained earnings to average equity (ytd only)4.6997%2,686
Net charge-offs to loans0.2183%4,135
Credit loss provision to net charge-offs179.1198%2,555
Earnings coverage of net charge-offs (x)10.3613%2,003
Efficiency ratio65.0235%5,716
Assets per employee ($millions)3.5367%4,716
Cash dividends to net income (ytd only)*51.5553%1,986
Condition Ratios (%)
Loss allowance to loans1.1342%5,369
Loan loss allowance to noncurrent loans139.8017%2,106
Noncurrent assets plus other real estate owned to assets0.8067%5,379
Noncurrent loans to loans0.8113%5,603
Net loans and leases to total assets73.7624%2,769
Net loans and leases to deposits93.3504%2,201
Net loans and leases to core deposits100.8052%4,424
Total domestic deposits to total assets79.0167%5,810
Equity capital to assets10.8367%3,073
Core capital (leverage) ratio9.8342%3,473
Tier 1 risk-based capital ratio12.1429%4,805
Total risk-based capital ratio13.2194%4,864
Memoranda:
Average total assets$1,199,030,330584
Average earning assets$1,101,644,670574
Average equity$119,964,670570
Average total loans$895,005,000559
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8024%3,288
Cost of funding earning assets1.8649%4,810
Net interest margin3.9374%2,897
Noninterest income to average assets1.3984%720
Noninterest expense to average assets3.3455%2,513
Loan and lease loss provision to assets0.2521%3,955
Net operating income to assets0.9753%2,417
Return on assets (ROA)0.9753%2,543
Pretax return on assets1.4158%1,921
Return on Equity (ROE)10.1800%2,252
Retained earnings to average equity (ytd only)-0.3438%5,726
Net charge-offs to loans0.1026%4,151
Credit loss provision to net charge-offs328.9474%1,513
Earnings coverage of net charge-offs (x)21.7675%1,328
Efficiency ratio65.2500%5,460
Assets per employee ($millions)3.4598%4,917
Cash dividends to net income (ytd only)*103.3770%729
Condition Ratios (%)
Loss allowance to loans1.1366%5,211
Loan loss allowance to noncurrent loans121.9376%2,568
Noncurrent assets plus other real estate owned to assets0.8858%4,979
Noncurrent loans to loans0.9321%5,134
Net loans and leases to total assets72.9828%3,006
Net loans and leases to deposits91.4599%2,700
Net loans and leases to core deposits99.3976%4,600
Total domestic deposits to total assets79.7976%5,430
Equity capital to assets9.5807%4,555
Core capital (leverage) ratio8.3485%5,819
Tier 1 risk-based capital ratio10.4928%6,404
Total risk-based capital ratio11.5699%6,498
Memoranda:
Average total assets$1,190,240,000590
Average earning assets$1,092,796,500581
Average equity$114,027,000587
Average total loans$888,659,000568
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4484%3,194
Cost of funding earning assets2.4709%4,362
Net interest margin3.9774%3,226
Noninterest income to average assets1.5463%590
Noninterest expense to average assets3.1080%3,666
Loan and lease loss provision to assets0.3436%3,646
Net operating income to assets1.1356%2,007
Return on assets (ROA)1.1951%1,719
Pretax return on assets1.7859%975
Return on Equity (ROE)12.6344%1,417
Retained earnings to average equity (ytd only)0.7985%4,742
Net charge-offs to loans0.2848%3,503
Credit loss provision to net charge-offs158.8376%3,255
Earnings coverage of net charge-offs (x)9.4327%2,684
Efficiency ratio58.8779%6,548
Assets per employee ($millions)3.4005%4,941
Cash dividends to net income (ytd only)*93.6802%1,165
Condition Ratios (%)
Loss allowance to loans1.0656%5,513
Loan loss allowance to noncurrent loans114.0359%3,090
Noncurrent assets plus other real estate owned to assets0.8592%4,700
Noncurrent loans to loans0.9344%4,742
Net loans and leases to total assets74.7076%2,939
Net loans and leases to deposits93.7448%2,814
Net loans and leases to core deposits101.1669%4,707
Total domestic deposits to total assets79.6925%5,134
Equity capital to assets9.5796%4,576
Core capital (leverage) ratio8.2882%5,975
Tier 1 risk-based capital ratio10.3161%6,402
Total risk-based capital ratio11.3213%6,541
Memoranda:
Average total assets$1,161,127,400573
Average earning assets$1,051,630,800578
Average equity$109,835,400615
Average total loans$882,064,200557