Home > Guaranty Bank and Trust Company > Performance and Condition Ratios

Guaranty Bank and Trust Company, Performance and Condition Ratios

2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1192%1,007
Cost of funding earning assets2.6091%913
Net interest margin3.5101%1,939
Noninterest income to average assets0.6900%1,121
Noninterest expense to average assets2.7248%1,620
Loan and lease loss provision to assets0.0700%1,571
Net operating income to assets0.8789%2,368
Return on assets (ROA)0.8789%2,378
Pretax return on assets1.1244%2,142
Return on Equity (ROE)8.7000%2,532
Retained earnings to average equity (ytd only)6.7171%1,742
Net charge-offs to loans0.0745%1,042
Credit loss provision to net charge-offs141.3078%1,251
Earnings coverage of net charge-offs (x)24.3844%1,518
Efficiency ratio67.6743%2,365
Assets per employee ($millions)6.3359%2,532
Cash dividends to net income (ytd only)*22.7925%2,430
Condition Ratios (%)
Loss allowance to loans1.2337%2,062
Loan loss allowance to noncurrent loans87.5515%3,196
Noncurrent assets plus other real estate owned to assets1.0265%577
Noncurrent loans to loans1.4092%623
Net loans and leases to total assets66.1500%2,329
Net loans and leases to deposits83.4306%1,897
Net loans and leases to core deposits101.3861%1,397
Total domestic deposits to total assets79.2900%3,549
Equity capital to assets10.0879%2,017
Core capital (leverage) ratio9.4385%3,295
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,851
Memoranda:
Average total assets$2,553,975,667469
Average earning assets$2,352,173,333462
Average equity$257,997,000458
Average total loans$1,682,614,333488
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0674%973
Cost of funding earning assets2.4888%1,011
Net interest margin3.5785%1,766
Noninterest income to average assets0.6600%1,157
Noninterest expense to average assets2.7895%1,494
Loan and lease loss provision to assets0.0800%1,272
Net operating income to assets0.8511%2,391
Return on assets (ROA)0.8511%2,406
Pretax return on assets1.0835%2,178
Return on Equity (ROE)8.4200%2,575
Retained earnings to average equity (ytd only)8.4198%1,447
Net charge-offs to loans0.0953%748
Credit loss provision to net charge-offs111.9289%1,084
Earnings coverage of net charge-offs (x)18.6421%1,386
Efficiency ratio68.8237%2,290
Assets per employee ($millions)6.0202%2,822
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.2648%1,926
Loan loss allowance to noncurrent loans93.8364%3,199
Noncurrent assets plus other real estate owned to assets0.9292%645
Noncurrent loans to loans1.3478%604
Net loans and leases to total assets65.4600%2,306
Net loans and leases to deposits78.4989%2,189
Net loans and leases to core deposits93.8438%1,797
Total domestic deposits to total assets83.3900%2,888
Equity capital to assets10.2003%1,892
Core capital (leverage) ratio9.5135%3,206
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,874
Memoranda:
Average total assets$2,532,109,000479
Average earning assets$2,330,557,000471
Average equity$255,968,000465
Average total loans$1,654,003,500501
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5566%1,095
Cost of funding earning assets2.1260%735
Net interest margin3.4305%2,340
Noninterest income to average assets0.9700%666
Noninterest expense to average assets2.7296%1,666
Loan and lease loss provision to assets0.1500%868
Net operating income to assets1.0484%2,066
Return on assets (ROA)1.0478%2,043
Pretax return on assets1.2829%1,917
Return on Equity (ROE)11.0000%2,224
Retained earnings to average equity (ytd only)10.9975%793
Net charge-offs to loans0.2443%438
Credit loss provision to net charge-offs132.0549%1,580
Earnings coverage of net charge-offs (x)9.3452%2,296
Efficiency ratio65.4353%2,423
Assets per employee ($millions)5.4520%3,293
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans1.3029%1,750
Loan loss allowance to noncurrent loans166.0091%2,729
Noncurrent assets plus other real estate owned to assets0.5520%1,014
Noncurrent loans to loans0.7848%990
Net loans and leases to total assets63.5000%2,509
Net loans and leases to deposits84.2944%1,753
Net loans and leases to core deposits94.3196%1,752
Total domestic deposits to total assets75.3300%3,999
Equity capital to assets10.0173%1,997
Core capital (leverage) ratio9.3592%3,373
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$2,090,315,200551
Average earning assets$1,944,388,800539
Average equity$199,154,200544
Average total loans$1,312,712,200578
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2746%1,322
Cost of funding earning assets1.9460%791
Net interest margin3.3286%2,622
Noninterest income to average assets0.8700%813
Noninterest expense to average assets2.6120%1,910
Loan and lease loss provision to assets0.0700%1,559
Net operating income to assets1.0220%2,295
Return on assets (ROA)1.0220%2,284
Pretax return on assets1.3000%2,042
Return on Equity (ROE)10.9100%2,398
Retained earnings to average equity (ytd only)10.9054%1,173
Net charge-offs to loans0.0067%2,193
Credit loss provision to net charge-offs2,141.9355%226
Earnings coverage of net charge-offs (x)327.2419%419
Efficiency ratio65.5220%2,329
Assets per employee ($millions)6.7874%2,110
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.5866%910
Loan loss allowance to noncurrent loans366.9405%1,768
Noncurrent assets plus other real estate owned to assets0.3142%1,762
Noncurrent loans to loans0.4324%1,750
Net loans and leases to total assets63.4200%2,514
Net loans and leases to deposits78.5620%2,196
Net loans and leases to core deposits90.8950%1,862
Total domestic deposits to total assets80.7300%3,427
Equity capital to assets8.9721%2,437
Core capital (leverage) ratio10.2751%2,574
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$1,980,465,750579
Average earning assets$1,849,155,250561
Average equity$185,590,750568
Average total loans$1,233,990,750613
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2075%1,203
Cost of funding earning assets1.7405%827
Net interest margin3.4670%2,352
Noninterest income to average assets0.7000%1,120
Noninterest expense to average assets2.6964%1,649
Loan and lease loss provision to assets-0.0300%4,442
Net operating income to assets0.9997%2,424
Return on assets (ROA)0.9997%2,418
Pretax return on assets1.2693%2,166
Return on Equity (ROE)10.5100%2,553
Retained earnings to average equity (ytd only)10.5072%1,277
Net charge-offs to loans-0.0089%3,878
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio68.2858%1,949
Assets per employee ($millions)6.6486%2,175
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.6097%917
Loan loss allowance to noncurrent loans347.6720%1,975
Noncurrent assets plus other real estate owned to assets0.3291%1,607
Noncurrent loans to loans0.4630%1,554
Net loans and leases to total assets62.0400%2,571
Net loans and leases to deposits77.4557%2,183
Net loans and leases to core deposits89.7316%1,815
Total domestic deposits to total assets80.0900%3,571
Equity capital to assets9.3468%2,270
Core capital (leverage) ratio10.3921%2,399
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$1,941,519,000574
Average earning assets$1,812,307,667562
Average equity$184,730,000563
Average total loans$1,194,784,667617
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9927%1,237
Cost of funding earning assets1.5543%761
Net interest margin3.4385%2,534
Noninterest income to average assets0.6900%1,130
Noninterest expense to average assets2.7559%1,538
Loan and lease loss provision to assets0.0700%1,437
Net operating income to assets0.8610%2,989
Return on assets (ROA)0.8610%2,936
Pretax return on assets1.0808%2,764
Return on Equity (ROE)8.9600%3,060
Retained earnings to average equity (ytd only)8.9622%1,961
Net charge-offs to loans-0.0207%4,112
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio70.4586%1,706
Assets per employee ($millions)6.3407%2,462
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.8839%562
Loan loss allowance to noncurrent loans749.7815%1,225
Noncurrent assets plus other real estate owned to assets0.1878%2,204
Noncurrent loans to loans0.2513%2,246
Net loans and leases to total assets59.8800%2,667
Net loans and leases to deposits72.9853%2,385
Net loans and leases to core deposits83.7017%2,005
Total domestic deposits to total assets82.0400%3,480
Equity capital to assets9.5597%2,095
Core capital (leverage) ratio10.3601%2,352
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$1,910,789,500597
Average earning assets$1,783,472,500581
Average equity$183,570,000576
Average total loans$1,161,285,500641
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2772%1,096
Cost of funding earning assets0.5234%1,249
Net interest margin3.7538%1,259
Noninterest income to average assets0.8100%982
Noninterest expense to average assets2.7722%1,373
Loan and lease loss provision to assets0.1200%1,028
Net operating income to assets1.3996%1,131
Return on assets (ROA)1.3997%1,092
Pretax return on assets1.4087%1,744
Return on Equity (ROE)15.0900%1,236
Retained earnings to average equity (ytd only)13.7167%421
Net charge-offs to loans-0.0457%4,329
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio64.3624%2,452
Assets per employee ($millions)6.4651%2,364
Cash dividends to net income (ytd only)*9.1015%3,264
Condition Ratios (%)
Loss allowance to loans1.4757%1,276
Loan loss allowance to noncurrent loans599.8572%1,405
Noncurrent assets plus other real estate owned to assets0.1868%2,250
Noncurrent loans to loans0.2460%2,293
Net loans and leases to total assets59.6200%2,674
Net loans and leases to deposits77.4425%2,001
Net loans and leases to core deposits83.3608%1,909
Total domestic deposits to total assets76.9900%4,175
Equity capital to assets9.6602%1,914
Core capital (leverage) ratio10.6952%2,033
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$1,654,730,400650
Average earning assets$1,536,083,800642
Average equity$153,484,600668
Average total loans$1,021,890,600667
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0757%1,111
Cost of funding earning assets0.3050%2,110
Net interest margin3.7707%996
Noninterest income to average assets0.8900%844
Noninterest expense to average assets2.8549%1,135
Loan and lease loss provision to assets0.1200%882
Net operating income to assets1.5407%757
Return on assets (ROA)1.5407%739
Pretax return on assets1.4137%1,676
Return on Equity (ROE)16.8200%830
Retained earnings to average equity (ytd only)14.8964%373
Net charge-offs to loans-0.0753%4,416
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio64.9374%2,415
Assets per employee ($millions)5.8050%2,924
Cash dividends to net income (ytd only)*11.4150%2,803
Condition Ratios (%)
Loss allowance to loans1.5504%1,168
Loan loss allowance to noncurrent loans1,539.5677%695
Noncurrent assets plus other real estate owned to assets0.1101%2,862
Noncurrent loans to loans0.1007%3,155
Net loans and leases to total assets57.9900%2,700
Net loans and leases to deposits71.9259%2,210
Net loans and leases to core deposits76.7720%2,134
Total domestic deposits to total assets80.6200%4,041
Equity capital to assets9.7632%1,749
Core capital (leverage) ratio11.3586%1,516
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$1,598,078,250672
Average earning assets$1,482,128,250667
Average equity$146,420,500698
Average total loans$992,726,750682
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9787%965
Cost of funding earning assets0.2356%2,442
Net interest margin3.7431%847
Noninterest income to average assets0.9201%807
Noninterest expense to average assets2.9202%959
Loan and lease loss provision to assets0.1210%820
Net operating income to assets1.7319%395
Return on assets (ROA)1.7318%392
Pretax return on assets1.3422%1,609
Return on Equity (ROE)19.3976%352
Retained earnings to average equity (ytd only)16.3169%176
Net charge-offs to loans-0.0315%4,053
Credit loss provision to net charge-offs-605.8824%3,425
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4514%2,451
Assets per employee ($millions)5.6575%3,081
Cash dividends to net income (ytd only)*15.8819%2,617
Condition Ratios (%)
Loss allowance to loans1.5635%1,239
Loan loss allowance to noncurrent loans925.2537%999
Noncurrent assets plus other real estate owned to assets0.1448%2,711
Noncurrent loans to loans0.1690%2,847
Net loans and leases to total assets59.8863%2,338
Net loans and leases to deposits66.9020%2,477
Net loans and leases to core deposits71.8957%2,345
Total domestic deposits to total assets89.5135%1,937
Equity capital to assets9.6156%1,928
Core capital (leverage) ratio10.4321%2,005
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,532,858,333688
Average earning assets$1,418,285,333685
Average equity$136,852,000738
Average total loans$971,453,333687
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8049%1,077
Cost of funding earning assets0.2411%2,258
Net interest margin3.5638%956
Noninterest income to average assets0.8967%842
Noninterest expense to average assets2.9514%882
Loan and lease loss provision to assets0.1282%642
Net operating income to assets1.1343%1,427
Return on assets (ROA)1.1343%1,421
Pretax return on assets1.1343%2,039
Return on Equity (ROE)13.2660%985
Retained earnings to average equity (ytd only)13.2660%443
Net charge-offs to loans-0.0824%4,409
Credit loss provision to net charge-offs-240.4040%3,008
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8593%2,252
Assets per employee ($millions)5.6117%3,221
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.6018%1,267
Loan loss allowance to noncurrent loans805.7128%1,062
Noncurrent assets plus other real estate owned to assets0.1703%2,597
Noncurrent loans to loans0.1988%2,826
Net loans and leases to total assets60.5097%2,011
Net loans and leases to deposits66.7022%2,272
Net loans and leases to core deposits71.9485%2,118
Total domestic deposits to total assets90.7162%1,172
Equity capital to assets8.4868%3,170
Core capital (leverage) ratio8.6804%3,684
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,484,602,500702
Average earning assets$1,381,888,500700
Average equity$126,941,500808
Average total loans$961,546,000686
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4586%636
Cost of funding earning assets0.3365%2,058
Net interest margin4.1220%570
Noninterest income to average assets1.0497%920
Noninterest expense to average assets2.9897%995
Loan and lease loss provision to assets0.1762%655
Net operating income to assets1.7131%615
Return on assets (ROA)1.7134%638
Pretax return on assets1.7134%1,115
Return on Equity (ROE)18.9649%383
Retained earnings to average equity (ytd only)7.1444%1,865
Net charge-offs to loans0.0234%1,777
Credit loss provision to net charge-offs1,074.3243%510
Earnings coverage of net charge-offs (x)115.1712%810
Efficiency ratio61.1077%2,981
Assets per employee ($millions)5.3230%3,453
Cash dividends to net income (ytd only)*62.3280%1,009
Condition Ratios (%)
Loss allowance to loans1.4696%1,662
Loan loss allowance to noncurrent loans590.6186%1,267
Noncurrent assets plus other real estate owned to assets0.2230%2,442
Noncurrent loans to loans0.2488%2,734
Net loans and leases to total assets67.2538%1,338
Net loans and leases to deposits74.3586%1,700
Net loans and leases to core deposits81.0797%1,514
Total domestic deposits to total assets90.4453%740
Equity capital to assets8.6185%3,969
Core capital (leverage) ratio8.2548%4,164
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,353,261,800738
Average earning assets$1,257,171,600739
Average equity$122,262,800847
Average total loans$947,687,200691
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5431%621
Cost of funding earning assets0.3543%2,076
Net interest margin4.1888%555
Noninterest income to average assets1.0839%939
Noninterest expense to average assets2.9359%1,066
Loan and lease loss provision to assets0.1861%564
Net operating income to assets1.8532%612
Return on assets (ROA)1.8532%634
Pretax return on assets1.8532%1,038
Return on Equity (ROE)20.2606%411
Retained earnings to average equity (ytd only)9.7507%1,394
Net charge-offs to loans-0.0092%3,643
Credit loss provision to net charge-offs-2,860.0000%4,064
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.8438%3,148
Assets per employee ($millions)5.1587%3,547
Cash dividends to net income (ytd only)*51.8739%1,116
Condition Ratios (%)
Loss allowance to loans1.4973%1,646
Loan loss allowance to noncurrent loans518.7706%1,327
Noncurrent assets plus other real estate owned to assets0.2514%2,518
Noncurrent loans to loans0.2886%2,760
Net loans and leases to total assets66.9639%1,434
Net loans and leases to deposits74.4462%1,816
Net loans and leases to core deposits81.5739%1,603
Total domestic deposits to total assets89.9494%794
Equity capital to assets9.0470%3,782
Core capital (leverage) ratio8.5128%4,011
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,332,276,000758
Average earning assets$1,237,625,000760
Average equity$121,862,250862
Average total loans$939,361,000712
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5197%705
Cost of funding earning assets0.3669%2,166
Net interest margin4.1528%636
Noninterest income to average assets1.1768%828
Noninterest expense to average assets2.9486%1,072
Loan and lease loss provision to assets0.2062%535
Net operating income to assets1.8849%612
Return on assets (ROA)1.8849%636
Pretax return on assets1.8849%1,051
Return on Equity (ROE)20.5281%417
Retained earnings to average equity (ytd only)9.2265%1,641
Net charge-offs to loans-0.0342%4,210
Credit loss provision to net charge-offs-845.6250%3,607
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.3371%3,239
Assets per employee ($millions)5.1690%3,489
Cash dividends to net income (ytd only)*55.0542%1,077
Condition Ratios (%)
Loss allowance to loans1.4301%1,849
Loan loss allowance to noncurrent loans523.6592%1,235
Noncurrent assets plus other real estate owned to assets0.2508%2,670
Noncurrent loans to loans0.2731%2,960
Net loans and leases to total assets69.7991%1,222
Net loans and leases to deposits77.5907%1,669
Net loans and leases to core deposits85.1639%1,481
Total domestic deposits to total assets89.9581%801
Equity capital to assets9.0324%3,767
Core capital (leverage) ratio8.3803%4,100
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,312,081,667766
Average earning assets$1,220,535,333768
Average equity$120,479,000867
Average total loans$936,851,000714
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5144%759
Cost of funding earning assets0.3798%2,265
Net interest margin4.1346%685
Noninterest income to average assets0.9034%1,316
Noninterest expense to average assets3.0096%975
Loan and lease loss provision to assets0.2729%358
Net operating income to assets1.4604%1,421
Return on assets (ROA)1.4604%1,482
Pretax return on assets1.4604%2,106
Return on Equity (ROE)15.7690%1,067
Retained earnings to average equity (ytd only)14.0426%752
Net charge-offs to loans-0.0156%3,877
Credit loss provision to net charge-offs-2,441.6667%3,585
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3174%2,561
Assets per employee ($millions)5.3217%3,305
Cash dividends to net income (ytd only)*10.9481%2,237
Condition Ratios (%)
Loss allowance to loans1.3844%2,031
Loan loss allowance to noncurrent loans373.8007%1,465
Noncurrent assets plus other real estate owned to assets0.3318%2,478
Noncurrent loans to loans0.3704%2,761
Net loans and leases to total assets69.3992%1,367
Net loans and leases to deposits76.9856%1,801
Net loans and leases to core deposits84.5437%1,626
Total domestic deposits to total assets90.1457%753
Equity capital to assets8.9558%3,730
Core capital (leverage) ratio8.6824%3,936
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,288,394,500772
Average earning assets$1,196,425,500772
Average equity$119,322,500866
Average total loans$923,949,000723
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8641%645
Cost of funding earning assets0.6320%2,106
Net interest margin4.2321%592
Noninterest income to average assets0.9919%1,058
Noninterest expense to average assets3.0086%1,411
Loan and lease loss provision to assets0.2832%1,345
Net operating income to assets1.6135%621
Return on assets (ROA)1.6284%650
Pretax return on assets1.6284%1,005
Return on Equity (ROE)16.3831%463
Retained earnings to average equity (ytd only)5.9776%1,801
Net charge-offs to loans0.0182%2,716
Credit loss provision to net charge-offs2,063.2911%431
Earnings coverage of net charge-offs (x)138.1835%618
Efficiency ratio61.1363%3,282
Assets per employee ($millions)4.8614%3,535
Cash dividends to net income (ytd only)*63.5137%1,205
Condition Ratios (%)
Loss allowance to loans1.3666%2,115
Loan loss allowance to noncurrent loans246.0643%1,999
Noncurrent assets plus other real estate owned to assets0.4854%2,106
Noncurrent loans to loans0.5554%2,317
Net loans and leases to total assets72.1912%1,268
Net loans and leases to deposits81.1092%1,748
Net loans and leases to core deposits90.2891%1,502
Total domestic deposits to total assets89.0049%988
Equity capital to assets9.5985%3,518
Core capital (leverage) ratio8.9819%3,709
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,151,075,400781
Average earning assets$1,064,391,600774
Average equity$114,410,400861
Average total loans$866,772,600741
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8256%846
Cost of funding earning assets0.6972%2,038
Net interest margin4.1284%849
Noninterest income to average assets0.9835%1,048
Noninterest expense to average assets2.9597%1,533
Loan and lease loss provision to assets0.3225%1,220
Net operating income to assets1.5194%863
Return on assets (ROA)1.5396%912
Pretax return on assets1.5396%1,358
Return on Equity (ROE)15.3473%639
Retained earnings to average equity (ytd only)6.0424%2,091
Net charge-offs to loans-0.0090%4,202
Credit loss provision to net charge-offs-4,727.5862%4,222
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4362%3,154
Assets per employee ($millions)4.9551%3,304
Cash dividends to net income (ytd only)*60.6285%1,110
Condition Ratios (%)
Loss allowance to loans1.2927%2,186
Loan loss allowance to noncurrent loans230.6891%1,979
Noncurrent assets plus other real estate owned to assets0.5160%2,145
Noncurrent loans to loans0.5604%2,393
Net loans and leases to total assets76.1042%1,079
Net loans and leases to deposits87.7926%1,507
Net loans and leases to core deposits98.2951%1,290
Total domestic deposits to total assets86.6864%1,779
Equity capital to assets9.6180%3,584
Core capital (leverage) ratio8.8368%3,922
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,132,574,500779
Average earning assets$1,047,450,500768
Average equity$113,615,750862
Average total loans$859,302,500739
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9038%970
Cost of funding earning assets0.7642%2,027
Net interest margin4.1397%1,042
Noninterest income to average assets0.9485%1,074
Noninterest expense to average assets2.9898%1,593
Loan and lease loss provision to assets0.2947%1,460
Net operating income to assets1.4890%943
Return on assets (ROA)1.4952%1,009
Pretax return on assets1.4952%1,467
Return on Equity (ROE)14.6864%759
Retained earnings to average equity (ytd only)14.6864%237
Net charge-offs to loans-0.0127%4,270
Credit loss provision to net charge-offs-3,086.7925%4,002
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.4217%3,059
Assets per employee ($millions)5.0287%3,137
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.1819%2,602
Loan loss allowance to noncurrent loans206.0243%2,100
Noncurrent assets plus other real estate owned to assets0.5103%2,305
Noncurrent loans to loans0.5737%2,439
Net loans and leases to total assets74.7892%1,304
Net loans and leases to deposits86.9016%1,670
Net loans and leases to core deposits97.2777%1,477
Total domestic deposits to total assets86.0619%1,982
Equity capital to assets9.7729%3,401
Core capital (leverage) ratio9.2827%3,599
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,110,387,000783
Average earning assets$1,025,974,667769
Average equity$113,043,333859
Average total loans$837,554,667746
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0635%856
Cost of funding earning assets0.8790%1,975
Net interest margin4.1845%953
Noninterest income to average assets1.0136%829
Noninterest expense to average assets3.2366%1,348
Loan and lease loss provision to assets0.3277%946
Net operating income to assets1.3039%1,238
Return on assets (ROA)1.3039%1,331
Pretax return on assets1.3039%1,861
Return on Equity (ROE)12.5206%979
Retained earnings to average equity (ytd only)12.5206%369
Net charge-offs to loans0.0060%2,358
Credit loss provision to net charge-offs7,233.3333%103
Earnings coverage of net charge-offs (x)360.1667%192
Efficiency ratio66.2686%2,918
Assets per employee ($millions)4.5902%3,140
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.2629%2,320
Loan loss allowance to noncurrent loans192.1659%2,130
Noncurrent assets plus other real estate owned to assets0.5908%2,227
Noncurrent loans to loans0.6572%2,348
Net loans and leases to total assets72.5386%1,847
Net loans and leases to deposits82.1784%2,432
Net loans and leases to core deposits92.8699%2,077
Total domestic deposits to total assets88.2697%989
Equity capital to assets10.4736%3,349
Core capital (leverage) ratio9.8655%3,589
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,059,628,000783
Average earning assets$976,086,000773
Average equity$110,346,000869
Average total loans$797,724,500753
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1611%1,084
Cost of funding earning assets1.0105%1,682
Net interest margin4.1505%1,422
Noninterest income to average assets1.2570%597
Noninterest expense to average assets3.1638%1,608
Loan and lease loss provision to assets0.1384%1,540
Net operating income to assets1.8091%514
Return on assets (ROA)1.8108%538
Pretax return on assets1.8108%913
Return on Equity (ROE)17.6313%369
Retained earnings to average equity (ytd only)0.8647%4,427
Net charge-offs to loans-0.0906%4,939
Credit loss provision to net charge-offs-204.2693%4,305
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.7086%3,422
Assets per employee ($millions)4.5242%3,185
Cash dividends to net income (ytd only)*95.0959%413
Condition Ratios (%)
Loss allowance to loans1.1398%2,748
Loan loss allowance to noncurrent loans168.4211%2,390
Noncurrent assets plus other real estate owned to assets0.6357%1,993
Noncurrent loans to loans0.6767%2,192
Net loans and leases to total assets76.2876%1,362
Net loans and leases to deposits86.1998%2,063
Net loans and leases to core deposits98.1796%1,712
Total domestic deposits to total assets88.5009%888
Equity capital to assets10.3515%3,587
Core capital (leverage) ratio9.6173%3,940
Tier 1 risk-based capital ratio11.3148%4,727
Total risk-based capital ratio12.3656%4,705
Memoranda:
Average total assets$898,620,600876
Average earning assets$834,497,800869
Average equity$92,290,400957
Average total loans$672,085,800834
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1643%1,119
Cost of funding earning assets1.0274%1,644
Net interest margin4.1370%1,534
Noninterest income to average assets1.3382%524
Noninterest expense to average assets3.1029%1,709
Loan and lease loss provision to assets0.1795%1,019
Net operating income to assets1.9079%483
Return on assets (ROA)1.9107%499
Pretax return on assets1.9107%842
Return on Equity (ROE)18.6484%342
Retained earnings to average equity (ytd only)9.2978%959
Net charge-offs to loans-0.1345%5,047
Credit loss provision to net charge-offs-180.1550%4,153
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio59.5893%3,711
Assets per employee ($millions)4.4378%3,301
Cash dividends to net income (ytd only)*50.1415%1,665
Condition Ratios (%)
Loss allowance to loans1.3362%1,811
Loan loss allowance to noncurrent loans232.2622%1,862
Noncurrent assets plus other real estate owned to assets0.5497%2,361
Noncurrent loans to loans0.5753%2,574
Net loans and leases to total assets75.0135%1,646
Net loans and leases to deposits88.3498%1,887
Net loans and leases to core deposits103.7759%1,341
Total domestic deposits to total assets84.9052%2,455
Equity capital to assets10.2661%3,758
Core capital (leverage) ratio10.3491%3,256
Tier 1 risk-based capital ratio12.4850%4,152
Total risk-based capital ratio13.7351%4,034
Memoranda:
Average total assets$863,134,750908
Average earning assets$803,695,750902
Average equity$88,434,500991
Average total loans$639,364,000867
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0864%1,250
Cost of funding earning assets0.9818%1,784
Net interest margin4.1045%1,595
Noninterest income to average assets1.0643%757
Noninterest expense to average assets3.0703%1,812
Loan and lease loss provision to assets0.0176%3,443
Net operating income to assets1.7976%601
Return on assets (ROA)1.8018%616
Pretax return on assets1.8018%1,025
Return on Equity (ROE)17.5982%401
Retained earnings to average equity (ytd only)8.7280%1,120
Net charge-offs to loans-0.1036%5,005
Credit loss provision to net charge-offs-23.1481%3,781
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.6387%3,334
Assets per employee ($millions)4.2244%3,535
Cash dividends to net income (ytd only)*50.4039%1,771
Condition Ratios (%)
Loss allowance to loans1.1969%2,540
Loan loss allowance to noncurrent loans207.6321%2,094
Noncurrent assets plus other real estate owned to assets0.5818%2,270
Noncurrent loans to loans0.5764%2,532
Net loans and leases to total assets73.0333%2,050
Net loans and leases to deposits83.6424%2,530
Net loans and leases to core deposits96.8622%1,994
Total domestic deposits to total assets87.3161%1,429
Equity capital to assets10.3068%3,688
Core capital (leverage) ratio10.3555%3,235
Tier 1 risk-based capital ratio12.9852%3,843
Total risk-based capital ratio14.1191%3,814
Memoranda:
Average total assets$852,035,670912
Average earning assets$793,220,330911
Average equity$87,236,330998
Average total loans$625,301,330884
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0444%1,227
Cost of funding earning assets0.9141%1,942
Net interest margin4.1303%1,480
Noninterest income to average assets0.9937%823
Noninterest expense to average assets3.1186%1,691
Loan and lease loss provision to assets0.0119%3,283
Net operating income to assets1.6988%728
Return on assets (ROA)1.7074%744
Pretax return on assets1.7074%1,190
Return on Equity (ROE)16.7332%497
Retained earnings to average equity (ytd only)16.7332%193
Net charge-offs to loans-0.1992%5,170
Credit loss provision to net charge-offs-8.1433%3,428
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3608%3,179
Assets per employee ($millions)4.2744%3,522
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.2568%2,291
Loan loss allowance to noncurrent loans211.7370%2,098
Noncurrent assets plus other real estate owned to assets0.5379%2,489
Noncurrent loans to loans0.5936%2,561
Net loans and leases to total assets70.1303%2,457
Net loans and leases to deposits79.0094%2,946
Net loans and leases to core deposits89.5796%2,543
Total domestic deposits to total assets88.7620%972
Equity capital to assets10.3178%3,510
Core capital (leverage) ratio10.4999%3,050
Tier 1 risk-based capital ratio13.3129%3,711
Total risk-based capital ratio14.4682%3,665
Memoranda:
Average total assets$842,943,500927
Average earning assets$782,805,000924
Average equity$86,008,5001,002
Average total loans$616,327,500900
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8842%1,334
Cost of funding earning assets0.6803%2,211
Net interest margin4.2039%1,383
Noninterest income to average assets1.1512%695
Noninterest expense to average assets2.9910%2,065
Loan and lease loss provision to assets0.3259%489
Net operating income to assets1.7515%611
Return on assets (ROA)1.7906%558
Pretax return on assets1.7906%948
Return on Equity (ROE)18.5836%336
Retained earnings to average equity (ytd only)9.6241%700
Net charge-offs to loans0.3475%545
Credit loss provision to net charge-offs129.0354%2,045
Earnings coverage of net charge-offs (x)8.2254%2,916
Efficiency ratio58.8029%4,036
Assets per employee ($millions)4.0736%3,785
Cash dividends to net income (ytd only)*48.2122%2,066
Condition Ratios (%)
Loss allowance to loans1.1671%2,736
Loan loss allowance to noncurrent loans217.5857%2,102
Noncurrent assets plus other real estate owned to assets0.5558%2,388
Noncurrent loans to loans0.5364%2,666
Net loans and leases to total assets74.3910%1,866
Net loans and leases to deposits89.9654%1,805
Net loans and leases to core deposits101.9543%1,582
Total domestic deposits to total assets82.6884%3,428
Equity capital to assets10.0857%3,589
Core capital (leverage) ratio10.3145%3,237
Tier 1 risk-based capital ratio12.6543%4,043
Total risk-based capital ratio13.7499%4,005
Memoranda:
Average total assets$816,863,800936
Average earning assets$761,120,000924
Average equity$78,709,0001,045
Average total loans$593,627,200906
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7649%1,511
Cost of funding earning assets0.6309%2,266
Net interest margin4.1341%1,537
Noninterest income to average assets1.1078%768
Noninterest expense to average assets2.9824%2,059
Loan and lease loss provision to assets0.3592%372
Net operating income to assets1.6206%925
Return on assets (ROA)1.6208%926
Pretax return on assets1.6208%1,510
Return on Equity (ROE)17.0242%539
Retained earnings to average equity (ytd only)9.2361%1,138
Net charge-offs to loans0.2279%747
Credit loss provision to net charge-offs218.8811%1,292
Earnings coverage of net charge-offs (x)12.0650%2,474
Efficiency ratio59.8877%3,828
Assets per employee ($millions)4.1615%3,626
Cash dividends to net income (ytd only)*45.7470%1,773
Condition Ratios (%)
Loss allowance to loans1.2969%2,108
Loan loss allowance to noncurrent loans187.7022%2,338
Noncurrent assets plus other real estate owned to assets0.9642%1,512
Noncurrent loans to loans0.6909%2,350
Net loans and leases to total assets72.8866%2,189
Net loans and leases to deposits88.9473%2,027
Net loans and leases to core deposits100.1472%1,782
Total domestic deposits to total assets81.9436%3,626
Equity capital to assets9.7341%3,890
Core capital (leverage) ratio10.0236%3,609
Tier 1 risk-based capital ratio12.3196%4,306
Total risk-based capital ratio13.5058%4,235
Memoranda:
Average total assets$813,327,000939
Average earning assets$758,299,750927
Average equity$77,433,0001,056
Average total loans$585,659,750919
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6703%1,579
Cost of funding earning assets0.5684%2,445
Net interest margin4.1018%1,551
Noninterest income to average assets1.0788%823
Noninterest expense to average assets3.0361%1,952
Loan and lease loss provision to assets0.3791%329
Net operating income to assets1.4935%1,179
Return on assets (ROA)1.4937%1,173
Pretax return on assets1.4937%1,837
Return on Equity (ROE)15.8100%706
Retained earnings to average equity (ytd only)7.9390%1,656
Net charge-offs to loans0.1609%956
Credit loss provision to net charge-offs330.1075%943
Earnings coverage of net charge-offs (x)16.3054%2,001
Efficiency ratio61.6352%3,676
Assets per employee ($millions)4.0549%3,804
Cash dividends to net income (ytd only)*49.7851%1,680
Condition Ratios (%)
Loss allowance to loans1.3198%2,073
Loan loss allowance to noncurrent loans157.4352%2,689
Noncurrent assets plus other real estate owned to assets1.0669%1,391
Noncurrent loans to loans0.8383%2,048
Net loans and leases to total assets71.2883%2,391
Net loans and leases to deposits83.4378%2,597
Net loans and leases to core deposits94.5642%2,178
Total domestic deposits to total assets85.4389%2,517
Equity capital to assets9.5754%4,032
Core capital (leverage) ratio9.9503%3,633
Tier 1 risk-based capital ratio11.9302%4,539
Total risk-based capital ratio13.0985%4,474
Memoranda:
Average total assets$809,775,670946
Average earning assets$756,101,670931
Average equity$76,508,3301,069
Average total loans$578,058,670929
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5167%1,812
Cost of funding earning assets0.5332%2,522
Net interest margin3.9834%1,779
Noninterest income to average assets0.9996%909
Noninterest expense to average assets3.1142%1,786
Loan and lease loss provision to assets0.2002%837
Net operating income to assets1.4020%1,337
Return on assets (ROA)1.4025%1,341
Pretax return on assets1.4025%1,989
Return on Equity (ROE)14.9457%810
Retained earnings to average equity (ytd only)14.9457%331
Net charge-offs to loans-0.0168%4,467
Credit loss provision to net charge-offs-1,683.3333%4,272
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.7980%3,205
Assets per employee ($millions)4.0615%3,866
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2585%2,468
Loan loss allowance to noncurrent loans118.7406%3,145
Noncurrent assets plus other real estate owned to assets1.1662%1,313
Noncurrent loans to loans1.0598%1,729
Net loans and leases to total assets69.5467%2,554
Net loans and leases to deposits78.1504%3,004
Net loans and leases to core deposits87.0892%2,709
Total domestic deposits to total assets88.9907%1,093
Equity capital to assets9.5624%4,030
Core capital (leverage) ratio9.7394%3,811
Tier 1 risk-based capital ratio11.7592%4,708
Total risk-based capital ratio12.8411%4,699
Memoranda:
Average total assets$807,146,000955
Average earning assets$753,118,000940
Average equity$75,741,0001,084
Average total loans$572,690,000936
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4790%1,784
Cost of funding earning assets0.4982%2,344
Net interest margin3.9808%1,805
Noninterest income to average assets1.1133%821
Noninterest expense to average assets3.0835%1,905
Loan and lease loss provision to assets0.0822%2,555
Net operating income to assets1.6531%581
Return on assets (ROA)1.6466%607
Pretax return on assets1.6466%1,170
Return on Equity (ROE)18.0082%302
Retained earnings to average equity (ytd only)8.0013%764
Net charge-offs to loans0.1208%1,839
Credit loss provision to net charge-offs99.6899%2,609
Earnings coverage of net charge-offs (x)21.0527%1,929
Efficiency ratio63.7885%3,633
Assets per employee ($millions)4.0915%3,824
Cash dividends to net income (ytd only)*55.5685%1,994
Condition Ratios (%)
Loss allowance to loans1.1574%3,015
Loan loss allowance to noncurrent loans112.5651%3,317
Noncurrent assets plus other real estate owned to assets1.1345%1,316
Noncurrent loans to loans1.0282%1,728
Net loans and leases to total assets70.6409%2,426
Net loans and leases to deposits84.7005%2,413
Net loans and leases to core deposits95.8013%2,038
Total domestic deposits to total assets83.4009%3,423
Equity capital to assets9.2065%4,521
Core capital (leverage) ratio9.4035%4,154
Tier 1 risk-based capital ratio11.4782%4,862
Total risk-based capital ratio12.5085%4,883
Memoranda:
Average total assets$782,545,200951
Average earning assets$728,424,800945
Average equity$71,550,6001,112
Average total loans$533,761,600956
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4372%1,836
Cost of funding earning assets0.4862%2,379
Net interest margin3.9511%1,858
Noninterest income to average assets1.0914%854
Noninterest expense to average assets3.1029%1,791
Loan and lease loss provision to assets0.0643%2,788
Net operating income to assets1.6038%713
Return on assets (ROA)1.5991%737
Pretax return on assets1.5991%1,426
Return on Equity (ROE)17.5212%374
Retained earnings to average equity (ytd only)7.5712%1,402
Net charge-offs to loans-0.0360%5,061
Credit loss provision to net charge-offs-265.2482%4,685
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8424%3,393
Assets per employee ($millions)4.1981%3,650
Cash dividends to net income (ytd only)*56.7881%1,474
Condition Ratios (%)
Loss allowance to loans1.2591%2,585
Loan loss allowance to noncurrent loans134.9916%2,998
Noncurrent assets plus other real estate owned to assets1.0049%1,690
Noncurrent loans to loans0.9327%2,056
Net loans and leases to total assets69.5023%2,632
Net loans and leases to deposits85.1299%2,417
Net loans and leases to core deposits96.6799%2,004
Total domestic deposits to total assets81.6426%3,887
Equity capital to assets8.9708%4,939
Core capital (leverage) ratio9.3597%4,336
Tier 1 risk-based capital ratio11.2184%5,124
Total risk-based capital ratio12.3122%5,100
Memoranda:
Average total assets$775,653,000962
Average earning assets$722,354,250954
Average equity$70,792,5001,131
Average total loans$522,458,750982
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3481%1,981
Cost of funding earning assets0.4601%2,508
Net interest margin3.8879%1,978
Noninterest income to average assets1.0801%854
Noninterest expense to average assets3.1603%1,680
Loan and lease loss provision to assets0.0338%3,311
Net operating income to assets1.5041%855
Return on assets (ROA)1.4973%893
Pretax return on assets1.4973%1,650
Return on Equity (ROE)16.3059%490
Retained earnings to average equity (ytd only)6.2568%1,987
Net charge-offs to loans-0.0779%5,333
Credit loss provision to net charge-offs-65.4822%4,311
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.0871%3,167
Assets per employee ($millions)4.1597%3,696
Cash dividends to net income (ytd only)*61.6287%1,426
Condition Ratios (%)
Loss allowance to loans1.2726%2,558
Loan loss allowance to noncurrent loans134.3207%2,992
Noncurrent assets plus other real estate owned to assets1.1047%1,577
Noncurrent loans to loans0.9475%2,060
Net loans and leases to total assets68.6339%2,715
Net loans and leases to deposits80.0243%2,908
Net loans and leases to core deposits90.5213%2,475
Total domestic deposits to total assets85.7664%2,493
Equity capital to assets8.9650%4,938
Core capital (leverage) ratio9.3769%4,259
Tier 1 risk-based capital ratio10.9796%5,262
Total risk-based capital ratio12.0487%5,268
Memoranda:
Average total assets$762,723,670980
Average earning assets$709,784,000976
Average equity$70,036,0001,142
Average total loans$505,520,6701,011
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2720%2,037
Cost of funding earning assets0.4446%2,574
Net interest margin3.8274%2,023
Noninterest income to average assets1.0396%930
Noninterest expense to average assets3.2264%1,533
Loan and lease loss provision to assets0.0230%3,282
Net operating income to assets1.3406%1,136
Return on assets (ROA)1.3267%1,205
Pretax return on assets1.3267%2,150
Return on Equity (ROE)14.2683%756
Retained earnings to average equity (ytd only)12.5402%419
Net charge-offs to loans-0.0415%5,092
Credit loss provision to net charge-offs-86.0000%3,926
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1167%2,867
Assets per employee ($millions)4.1587%3,743
Cash dividends to net income (ytd only)*12.1114%2,666
Condition Ratios (%)
Loss allowance to loans1.4021%2,065
Loan loss allowance to noncurrent loans130.8685%3,106
Noncurrent assets plus other real estate owned to assets1.1218%1,581
Noncurrent loans to loans1.0714%1,913
Net loans and leases to total assets60.8012%3,697
Net loans and leases to deposits67.9624%3,990
Net loans and leases to core deposits76.4257%3,616
Total domestic deposits to total assets89.4630%916
Equity capital to assets8.9903%4,810
Core capital (leverage) ratio9.5448%4,064
Tier 1 risk-based capital ratio12.2704%4,528
Total risk-based capital ratio13.4210%4,499
Memoranda:
Average total assets$746,836,500999
Average earning assets$692,789,500996
Average equity$69,440,5001,144
Average total loans$482,119,0001,057
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4883%1,570
Cost of funding earning assets0.3889%3,114
Net interest margin4.0993%1,379
Noninterest income to average assets1.2308%752
Noninterest expense to average assets3.3482%1,472
Loan and lease loss provision to assets0.0558%3,265
Net operating income to assets1.6092%661
Return on assets (ROA)1.6004%705
Pretax return on assets1.6004%1,276
Return on Equity (ROE)14.6475%681
Retained earnings to average equity (ytd only)-5.0081%5,674
Net charge-offs to loans-0.0050%4,806
Credit loss provision to net charge-offs-1,626.0870%5,359
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8531%3,612
Assets per employee ($millions)3.7246%4,440
Cash dividends to net income (ytd only)*134.1911%190
Condition Ratios (%)
Loss allowance to loans1.3978%2,089
Loan loss allowance to noncurrent loans85.6942%3,901
Noncurrent assets plus other real estate owned to assets1.9168%740
Noncurrent loans to loans1.6311%1,197
Net loans and leases to total assets66.8163%2,956
Net loans and leases to deposits75.0326%3,409
Net loans and leases to core deposits85.5856%2,880
Total domestic deposits to total assets89.0497%1,093
Equity capital to assets9.6396%4,129
Core capital (leverage) ratio10.0867%3,384
Tier 1 risk-based capital ratio12.2432%4,545
Total risk-based capital ratio13.4102%4,485
Memoranda:
Average total assets$670,143,0001,060
Average earning assets$618,345,6001,056
Average equity$73,220,8001,083
Average total loans$463,487,4001,048
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5109%1,501
Cost of funding earning assets0.3749%3,281
Net interest margin4.1360%1,287
Noninterest income to average assets1.2317%764
Noninterest expense to average assets3.3952%1,352
Loan and lease loss provision to assets0.0563%3,119
Net operating income to assets1.5979%735
Return on assets (ROA)1.5907%783
Pretax return on assets1.5907%1,407
Return on Equity (ROE)14.1133%799
Retained earnings to average equity (ytd only)4.3076%3,254
Net charge-offs to loans-0.0900%5,539
Credit loss provision to net charge-offs-90.0000%4,741
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0446%3,584
Assets per employee ($millions)3.7983%4,304
Cash dividends to net income (ytd only)*69.4786%1,051
Condition Ratios (%)
Loss allowance to loans1.4058%2,172
Loan loss allowance to noncurrent loans94.6206%3,730
Noncurrent assets plus other real estate owned to assets1.7669%941
Noncurrent loans to loans1.4857%1,452
Net loans and leases to total assets68.8179%2,680
Net loans and leases to deposits78.9635%3,084
Net loans and leases to core deposits90.3566%2,542
Total domestic deposits to total assets87.1515%1,823
Equity capital to assets10.7376%3,324
Core capital (leverage) ratio11.2924%2,196
Tier 1 risk-based capital ratio13.7920%3,674
Total risk-based capital ratio15.0358%3,608
Memoranda:
Average total assets$660,758,2501,073
Average earning assets$609,908,2501,076
Average equity$74,471,5001,073
Average total loans$459,471,7501,057
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4997%1,512
Cost of funding earning assets0.3587%3,469
Net interest margin4.1411%1,253
Noninterest income to average assets1.2177%758
Noninterest expense to average assets3.4373%1,299
Loan and lease loss provision to assets0.0470%3,210
Net operating income to assets1.5535%800
Return on assets (ROA)1.5421%869
Pretax return on assets1.5421%1,551
Return on Equity (ROE)13.4521%935
Retained earnings to average equity (ytd only)3.4878%3,675
Net charge-offs to loans-0.0392%5,256
Credit loss provision to net charge-offs-172.7273%4,693
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.4866%3,605
Assets per employee ($millions)3.5343%4,698
Cash dividends to net income (ytd only)*74.0726%1,057
Condition Ratios (%)
Loss allowance to loans1.4077%2,257
Loan loss allowance to noncurrent loans109.2290%3,528
Noncurrent assets plus other real estate owned to assets1.7077%1,045
Noncurrent loans to loans1.2888%1,758
Net loans and leases to total assets68.9896%2,633
Net loans and leases to deposits79.2819%3,025
Net loans and leases to core deposits88.7068%2,664
Total domestic deposits to total assets87.0180%1,906
Equity capital to assets11.1812%2,864
Core capital (leverage) ratio11.1605%2,273
Tier 1 risk-based capital ratio13.5874%3,844
Total risk-based capital ratio14.7986%3,783
Memoranda:
Average total assets$646,780,6701,101
Average earning assets$596,658,3301,102
Average equity$74,144,6701,079
Average total loans$449,138,3301,085
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5223%1,445
Cost of funding earning assets0.3523%3,579
Net interest margin4.1700%1,172
Noninterest income to average assets1.1556%825
Noninterest expense to average assets3.5113%1,164
Loan and lease loss provision to assets0.0477%2,965
Net operating income to assets1.4490%944
Return on assets (ROA)1.4484%990
Pretax return on assets1.4484%1,754
Return on Equity (ROE)12.4746%1,162
Retained earnings to average equity (ytd only)12.4746%440
Net charge-offs to loans-0.0417%5,238
Credit loss provision to net charge-offs-165.2174%4,316
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.3360%3,409
Assets per employee ($millions)3.5465%4,747
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.4353%2,269
Loan loss allowance to noncurrent loans87.0767%3,921
Noncurrent assets plus other real estate owned to assets1.9626%895
Noncurrent loans to loans1.6483%1,378
Net loans and leases to total assets66.9178%2,825
Net loans and leases to deposits76.4418%3,169
Net loans and leases to core deposits85.5789%2,787
Total domestic deposits to total assets87.5408%1,904
Equity capital to assets11.4078%2,526
Core capital (leverage) ratio11.7206%1,812
Tier 1 risk-based capital ratio14.7558%3,262
Total risk-based capital ratio16.0085%3,198
Memoranda:
Average total assets$637,949,0001,110
Average earning assets$589,348,5001,112
Average equity$74,070,5001,074
Average total loans$441,236,5001,100
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4364%1,783
Cost of funding earning assets0.3371%3,824
Net interest margin4.0993%1,413
Noninterest income to average assets1.2908%726
Noninterest expense to average assets3.3614%1,573
Loan and lease loss provision to assets0.2009%1,065
Net operating income to assets1.5096%850
Return on assets (ROA)1.3412%1,211
Pretax return on assets1.3412%2,127
Return on Equity (ROE)11.7753%1,365
Retained earnings to average equity (ytd only)2.3481%4,385
Net charge-offs to loans0.0611%3,007
Credit loss provision to net charge-offs494.8819%644
Earnings coverage of net charge-offs (x)42.1299%1,129
Efficiency ratio64.4867%4,170
Assets per employee ($millions)3.3244%5,109
Cash dividends to net income (ytd only)*80.0596%876
Condition Ratios (%)
Loss allowance to loans1.7404%1,265
Loan loss allowance to noncurrent loans97.7261%3,736
Noncurrent assets plus other real estate owned to assets2.2012%768
Noncurrent loans to loans1.7808%1,241
Net loans and leases to total assets69.4385%2,462
Net loans and leases to deposits82.8540%2,491
Net loans and leases to core deposits93.2158%2,115
Total domestic deposits to total assets83.8083%3,559
Equity capital to assets11.6513%2,232
Core capital (leverage) ratio11.6041%1,890
Tier 1 risk-based capital ratio14.3998%3,494
Total risk-based capital ratio15.6546%3,408
Memoranda:
Average total assets$625,580,4001,093
Average earning assets$577,028,2001,078
Average equity$71,250,6001,069
Average total loans$415,990,6001,100
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3907%1,949
Cost of funding earning assets0.3380%3,886
Net interest margin4.0526%1,551
Noninterest income to average assets1.2539%769
Noninterest expense to average assets3.3266%1,633
Loan and lease loss provision to assets0.2095%939
Net operating income to assets1.4530%1,004
Return on assets (ROA)1.4791%988
Pretax return on assets1.4791%1,737
Return on Equity (ROE)13.0596%1,110
Retained earnings to average equity (ytd only)2.0707%4,843
Net charge-offs to loans-0.0075%4,910
Credit loss provision to net charge-offs-4,291.3043%5,682
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.8658%4,089
Assets per employee ($millions)3.4935%4,797
Cash dividends to net income (ytd only)*84.1440%646
Condition Ratios (%)
Loss allowance to loans1.7627%1,336
Loan loss allowance to noncurrent loans86.0341%4,018
Noncurrent assets plus other real estate owned to assets2.6163%635
Noncurrent loans to loans2.0489%1,119
Net loans and leases to total assets66.3607%2,956
Net loans and leases to deposits81.1477%2,748
Net loans and leases to core deposits92.0936%2,253
Total domestic deposits to total assets81.7777%4,233
Equity capital to assets11.1707%2,824
Core capital (leverage) ratio11.1668%2,333
Tier 1 risk-based capital ratio13.9990%3,847
Total risk-based capital ratio15.2556%3,788
Memoranda:
Average total assets$628,220,7501,092
Average earning assets$579,001,5001,084
Average equity$71,148,7501,078
Average total loans$411,332,2501,111
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3112%2,134
Cost of funding earning assets0.3364%3,967
Net interest margin3.9748%1,720
Noninterest income to average assets1.2329%802
Noninterest expense to average assets3.2745%1,775
Loan and lease loss provision to assets0.2180%871
Net operating income to assets1.4039%1,085
Return on assets (ROA)1.4020%1,122
Pretax return on assets1.4020%1,973
Return on Equity (ROE)12.3220%1,277
Retained earnings to average equity (ytd only)1.3429%5,010
Net charge-offs to loans0.0148%3,418
Credit loss provision to net charge-offs2,273.3333%175
Earnings coverage of net charge-offs (x)169.1333%389
Efficiency ratio65.2174%4,145
Assets per employee ($millions)3.4562%4,879
Cash dividends to net income (ytd only)*89.1017%734
Condition Ratios (%)
Loss allowance to loans1.6855%1,636
Loan loss allowance to noncurrent loans79.4208%4,228
Noncurrent assets plus other real estate owned to assets2.8004%625
Noncurrent loans to loans2.1223%1,134
Net loans and leases to total assets66.5192%2,867
Net loans and leases to deposits80.1360%2,766
Net loans and leases to core deposits90.6484%2,279
Total domestic deposits to total assets83.0079%3,957
Equity capital to assets11.1755%2,692
Core capital (leverage) ratio11.2819%2,179
Tier 1 risk-based capital ratio14.1895%3,821
Total risk-based capital ratio14.5749%4,258
Memoranda:
Average total assets$625,686,3301,101
Average earning assets$576,689,6701,095
Average equity$71,189,6701,078
Average total loans$405,273,6701,133
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2516%2,273
Cost of funding earning assets0.3370%4,012
Net interest margin3.9146%1,842
Noninterest income to average assets1.1602%845
Noninterest expense to average assets3.2628%1,813
Loan and lease loss provision to assets0.2488%671
Net operating income to assets1.2554%1,388
Return on assets (ROA)1.2547%1,479
Pretax return on assets1.2547%2,449
Return on Equity (ROE)10.9290%1,653
Retained earnings to average equity (ytd only)10.9290%731
Net charge-offs to loans0.1127%1,618
Credit loss provision to net charge-offs348.6486%730
Earnings coverage of net charge-offs (x)21.0811%1,390
Efficiency ratio66.7341%4,022
Assets per employee ($millions)3.8099%4,319
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.7442%1,622
Loan loss allowance to noncurrent loans62.5069%4,654
Noncurrent assets plus other real estate owned to assets3.2315%548
Noncurrent loans to loans2.7904%828
Net loans and leases to total assets59.8175%3,680
Net loans and leases to deposits68.5127%3,910
Net loans and leases to core deposits76.7874%3,519
Total domestic deposits to total assets87.3087%2,208
Equity capital to assets11.2306%2,720
Core capital (leverage) ratio11.1609%2,256
Tier 1 risk-based capital ratio13.9832%4,035
Total risk-based capital ratio14.3955%4,442
Memoranda:
Average total assets$622,288,5001,115
Average earning assets$573,337,0001,105
Average equity$71,443,0001,078
Average total loans$393,943,0001,163
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4720%1,982
Cost of funding earning assets0.3588%4,154
Net interest margin4.1132%1,538
Noninterest income to average assets1.3522%667
Noninterest expense to average assets3.2477%2,082
Loan and lease loss provision to assets0.3407%566
Net operating income to assets1.5618%776
Return on assets (ROA)1.5501%825
Pretax return on assets1.5501%1,383
Return on Equity (ROE)13.6677%1,000
Retained earnings to average equity (ytd only)3.2421%3,923
Net charge-offs to loans0.7074%523
Credit loss provision to net charge-offs73.7757%2,987
Earnings coverage of net charge-offs (x)4.1199%3,735
Efficiency ratio61.4477%4,999
Assets per employee ($millions)3.5129%4,880
Cash dividends to net income (ytd only)*76.2791%1,037
Condition Ratios (%)
Loss allowance to loans1.6572%1,910
Loan loss allowance to noncurrent loans78.3122%4,260
Noncurrent assets plus other real estate owned to assets2.9078%714
Noncurrent loans to loans2.1162%1,285
Net loans and leases to total assets64.8138%3,086
Net loans and leases to deposits74.9726%3,316
Net loans and leases to core deposits84.7139%2,820
Total domestic deposits to total assets86.4501%2,598
Equity capital to assets11.7487%2,209
Core capital (leverage) ratio11.8757%1,713
Tier 1 risk-based capital ratio15.2638%3,334
Total risk-based capital ratio16.5161%3,286
Memoranda:
Average total assets$610,273,4001,087
Average earning assets$563,500,8001,078
Average equity$69,214,4001,064
Average total loans$398,354,0001,103
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4634%2,008
Cost of funding earning assets0.3609%4,226
Net interest margin4.1025%1,566
Noninterest income to average assets1.2885%735
Noninterest expense to average assets3.2452%2,041
Loan and lease loss provision to assets0.3497%505
Net operating income to assets1.4885%963
Return on assets (ROA)1.4731%1,018
Pretax return on assets1.4731%1,733
Return on Equity (ROE)13.1038%1,200
Retained earnings to average equity (ytd only)2.8380%4,580
Net charge-offs to loans0.5584%682
Credit loss provision to net charge-offs96.1700%2,314
Earnings coverage of net charge-offs (x)5.0551%3,328
Efficiency ratio61.9675%4,885
Assets per employee ($millions)3.5255%4,815
Cash dividends to net income (ytd only)*78.3424%785
Condition Ratios (%)
Loss allowance to loans1.7817%1,730
Loan loss allowance to noncurrent loans68.1870%4,536
Noncurrent assets plus other real estate owned to assets3.0762%755
Noncurrent loans to loans2.6130%1,097
Net loans and leases to total assets66.5546%2,763
Net loans and leases to deposits80.7002%2,588
Net loans and leases to core deposits91.7039%2,057
Total domestic deposits to total assets82.4714%4,308
Equity capital to assets11.5944%2,398
Core capital (leverage) ratio11.3801%2,150
Tier 1 risk-based capital ratio15.0248%3,567
Total risk-based capital ratio16.2786%3,504
Memoranda:
Average total assets$612,665,5001,095
Average earning assets$566,734,2501,080
Average equity$68,874,2501,070
Average total loans$398,967,2501,103
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3570%2,353
Cost of funding earning assets0.3596%4,325
Net interest margin3.9973%1,811
Noninterest income to average assets1.2059%805
Noninterest expense to average assets3.2105%2,156
Loan and lease loss provision to assets0.3118%617
Net operating income to assets1.3797%1,111
Return on assets (ROA)1.3573%1,212
Pretax return on assets1.3573%2,049
Return on Equity (ROE)12.1976%1,367
Retained earnings to average equity (ytd only)2.3388%4,713
Net charge-offs to loans0.7973%477
Credit loss provision to net charge-offs60.8476%2,623
Earnings coverage of net charge-offs (x)3.3011%3,347
Efficiency ratio63.8149%4,721
Assets per employee ($millions)3.6488%4,550
Cash dividends to net income (ytd only)*80.8262%876
Condition Ratios (%)
Loss allowance to loans1.6359%2,340
Loan loss allowance to noncurrent loans83.3146%4,081
Noncurrent assets plus other real estate owned to assets2.5860%1,062
Noncurrent loans to loans1.9635%1,721
Net loans and leases to total assets64.7618%2,953
Net loans and leases to deposits77.9439%2,808
Net loans and leases to core deposits87.9276%2,322
Total domestic deposits to total assets83.0878%4,272
Equity capital to assets11.1312%2,755
Core capital (leverage) ratio11.1155%2,318
Tier 1 risk-based capital ratio14.6712%3,830
Total risk-based capital ratio15.9235%3,779
Memoranda:
Average total assets$617,107,0001,090
Average earning assets$570,580,6701,076
Average equity$68,669,0001,065
Average total loans$396,581,3301,101
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3146%2,469
Cost of funding earning assets0.3669%4,355
Net interest margin3.9477%1,935
Noninterest income to average assets1.2179%747
Noninterest expense to average assets3.4021%1,698
Loan and lease loss provision to assets0.0838%2,505
Net operating income to assets1.3751%1,049
Return on assets (ROA)1.3322%1,183
Pretax return on assets1.3322%1,987
Return on Equity (ROE)11.9743%1,413
Retained earnings to average equity (ytd only)11.9743%608
Net charge-offs to loans0.4577%793
Credit loss provision to net charge-offs28.8591%2,406
Earnings coverage of net charge-offs (x)5.0224%2,438
Efficiency ratio68.0481%4,174
Assets per employee ($millions)3.8364%4,258
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.7883%2,074
Loan loss allowance to noncurrent loans94.6840%3,744
Noncurrent assets plus other real estate owned to assets2.4340%1,324
Noncurrent loans to loans1.8887%2,012
Net loans and leases to total assets59.4938%3,637
Net loans and leases to deposits67.9302%3,863
Net loans and leases to core deposits75.4025%3,477
Total domestic deposits to total assets87.5809%2,473
Equity capital to assets10.7954%2,943
Core capital (leverage) ratio10.9836%2,407
Tier 1 risk-based capital ratio15.5634%3,403
Total risk-based capital ratio16.7887%3,383
Memoranda:
Average total assets$615,509,5001,108
Average earning assets$568,024,5001,088
Average equity$68,480,0001,070
Average total loans$390,672,0001,136
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6931%1,591
Cost of funding earning assets0.4503%4,112
Net interest margin4.2428%1,240
Noninterest income to average assets1.3160%799
Noninterest expense to average assets3.2427%2,301
Loan and lease loss provision to assets0.1359%2,609
Net operating income to assets1.8462%444
Return on assets (ROA)1.8467%454
Pretax return on assets1.8467%684
Return on Equity (ROE)16.5924%552
Retained earnings to average equity (ytd only)6.8343%1,514
Net charge-offs to loans0.2364%2,561
Credit loss provision to net charge-offs86.7391%2,845
Earnings coverage of net charge-offs (x)12.6522%2,105
Efficiency ratio60.1669%5,445
Assets per employee ($millions)3.4705%4,958
Cash dividends to net income (ytd only)*58.8105%1,824
Condition Ratios (%)
Loss allowance to loans1.8674%1,862
Loan loss allowance to noncurrent loans115.0150%3,255
Noncurrent assets plus other real estate owned to assets2.4937%1,380
Noncurrent loans to loans1.6236%2,465
Net loans and leases to total assets65.4070%2,789
Net loans and leases to deposits75.4798%3,030
Net loans and leases to core deposits84.8268%2,579
Total domestic deposits to total assets86.6550%2,902
Equity capital to assets11.4888%2,174
Core capital (leverage) ratio11.6346%1,866
Tier 1 risk-based capital ratio15.8646%3,166
Total risk-based capital ratio17.1204%3,123
Memoranda:
Average total assets$587,254,0001,131
Average earning assets$541,031,8001,121
Average equity$65,361,4001,096
Average total loans$389,133,4001,095
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6828%1,642
Cost of funding earning assets0.4641%4,127
Net interest margin4.2187%1,279
Noninterest income to average assets1.2331%965
Noninterest expense to average assets3.2347%2,247
Loan and lease loss provision to assets0.1589%2,276
Net operating income to assets1.7327%602
Return on assets (ROA)1.7327%623
Pretax return on assets1.7327%1,032
Return on Equity (ROE)15.6939%682
Retained earnings to average equity (ytd only)7.1356%1,813
Net charge-offs to loans0.0816%3,786
Credit loss provision to net charge-offs294.1176%868
Earnings coverage of net charge-offs (x)35.0163%1,101
Efficiency ratio61.1662%5,248
Assets per employee ($millions)3.4253%5,007
Cash dividends to net income (ytd only)*54.5324%1,672
Condition Ratios (%)
Loss allowance to loans1.9955%1,729
Loan loss allowance to noncurrent loans124.4122%2,934
Noncurrent assets plus other real estate owned to assets2.5181%1,524
Noncurrent loans to loans1.6039%2,770
Net loans and leases to total assets66.4969%2,561
Net loans and leases to deposits78.1843%2,636
Net loans and leases to core deposits88.7977%2,101
Total domestic deposits to total assets85.0516%3,728
Equity capital to assets11.4037%2,378
Core capital (leverage) ratio11.2778%2,219
Tier 1 risk-based capital ratio14.7633%3,904
Total risk-based capital ratio16.0197%3,860
Memoranda:
Average total assets$587,439,5001,147
Average earning assets$542,111,2501,127
Average equity$64,856,0001,116
Average total loans$388,686,7501,104
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5987%1,862
Cost of funding earning assets0.4816%4,071
Net interest margin4.1171%1,498
Noninterest income to average assets1.2014%1,059
Noninterest expense to average assets3.2274%2,284
Loan and lease loss provision to assets0.1684%2,229
Net operating income to assets1.6043%743
Return on assets (ROA)1.6043%815
Pretax return on assets1.6043%1,366
Return on Equity (ROE)14.6907%869
Retained earnings to average equity (ytd only)6.0647%2,395
Net charge-offs to loans0.0569%3,890
Credit loss provision to net charge-offs450.9091%605
Earnings coverage of net charge-offs (x)47.4727%827
Efficiency ratio62.5704%5,083
Assets per employee ($millions)3.4255%5,008
Cash dividends to net income (ytd only)*58.7177%1,531
Condition Ratios (%)
Loss allowance to loans1.9661%1,926
Loan loss allowance to noncurrent loans101.0744%3,427
Noncurrent assets plus other real estate owned to assets2.7445%1,508
Noncurrent loans to loans1.9452%2,460
Net loans and leases to total assets66.0784%2,577
Net loans and leases to deposits78.1214%2,556
Net loans and leases to core deposits87.4329%2,179
Total domestic deposits to total assets84.5843%4,094
Equity capital to assets10.9885%2,764
Core capital (leverage) ratio10.9621%2,395
Tier 1 risk-based capital ratio14.2113%4,280
Total risk-based capital ratio15.4671%4,236
Memoranda:
Average total assets$589,152,0001,141
Average earning assets$543,585,6701,125
Average equity$64,340,0001,129
Average total loans$386,550,0001,106
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5584%1,957
Cost of funding earning assets0.4958%4,131
Net interest margin4.0627%1,580
Noninterest income to average assets1.1420%1,146
Noninterest expense to average assets3.2909%2,105
Loan and lease loss provision to assets0.1602%2,274
Net operating income to assets1.4299%985
Return on assets (ROA)1.4299%1,065
Pretax return on assets1.4299%1,771
Return on Equity (ROE)13.1340%1,138
Retained earnings to average equity (ytd only)13.1340%541
Net charge-offs to loans0.1469%2,523
Credit loss provision to net charge-offs168.5714%1,245
Earnings coverage of net charge-offs (x)16.7286%1,354
Efficiency ratio65.3916%4,768
Assets per employee ($millions)3.5679%4,847
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.0225%1,982
Loan loss allowance to noncurrent loans94.7926%3,504
Noncurrent assets plus other real estate owned to assets2.6879%1,688
Noncurrent loans to loans2.1337%2,457
Net loans and leases to total assets59.6933%3,486
Net loans and leases to deposits68.1834%3,756
Net loans and leases to core deposits75.4178%3,397
Total domestic deposits to total assets87.5482%2,604
Equity capital to assets10.7219%3,295
Core capital (leverage) ratio10.7524%2,494
Tier 1 risk-based capital ratio15.0821%3,784
Total risk-based capital ratio16.3385%3,736
Memoranda:
Average total assets$589,138,0001,151
Average earning assets$542,204,0001,143
Average equity$64,139,0001,153
Average total loans$381,260,5001,119
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0855%1,341
Cost of funding earning assets0.6024%4,329
Net interest margin4.4831%975
Noninterest income to average assets1.2709%959
Noninterest expense to average assets3.4596%1,925
Loan and lease loss provision to assets0.1866%3,306
Net operating income to assets1.7082%606
Return on assets (ROA)1.7068%686
Pretax return on assets1.7068%1,123
Return on Equity (ROE)16.0324%656
Retained earnings to average equity (ytd only)6.6319%1,749
Net charge-offs to loans-0.0219%6,568
Credit loss provision to net charge-offs-1,276.8293%6,606
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.5420%5,162
Assets per employee ($millions)3.2100%5,597
Cash dividends to net income (ytd only)*58.6344%1,871
Condition Ratios (%)
Loss allowance to loans1.8991%2,300
Loan loss allowance to noncurrent loans104.2709%3,224
Noncurrent assets plus other real estate owned to assets2.7309%1,770
Noncurrent loans to loans1.8213%2,887
Net loans and leases to total assets67.4777%2,285
Net loans and leases to deposits78.3411%2,481
Net loans and leases to core deposits86.7663%2,218
Total domestic deposits to total assets86.1332%3,283
Equity capital to assets11.0641%2,877
Core capital (leverage) ratio11.1599%2,115
Tier 1 risk-based capital ratio13.9910%4,392
Total risk-based capital ratio15.2462%4,346
Memoranda:
Average total assets$561,161,0001,183
Average earning assets$511,136,8001,186
Average equity$59,741,4001,191
Average total loans$374,297,2001,119
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1200%1,381
Cost of funding earning assets0.6217%4,440
Net interest margin4.4983%993
Noninterest income to average assets1.2139%1,015
Noninterest expense to average assets3.4972%1,767
Loan and lease loss provision to assets0.2317%2,723
Net operating income to assets1.5843%876
Return on assets (ROA)1.5843%980
Pretax return on assets1.5843%1,629
Return on Equity (ROE)15.0310%896
Retained earnings to average equity (ytd only)7.0395%2,104
Net charge-offs to loans-0.1207%6,900
Credit loss provision to net charge-offs-290.1493%6,377
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.7404%4,847
Assets per employee ($millions)3.3738%5,273
Cash dividends to net income (ytd only)*53.1668%1,553
Condition Ratios (%)
Loss allowance to loans2.0099%2,143
Loan loss allowance to noncurrent loans104.1239%3,117
Noncurrent assets plus other real estate owned to assets2.9191%1,799
Noncurrent loans to loans1.9303%2,927
Net loans and leases to total assets65.7635%2,697
Net loans and leases to deposits76.4489%2,917
Net loans and leases to core deposits84.5266%2,639
Total domestic deposits to total assets86.0228%3,243
Equity capital to assets11.0591%3,199
Core capital (leverage) ratio10.7127%2,686
Tier 1 risk-based capital ratio14.0316%4,495
Total risk-based capital ratio15.2877%4,453
Memoranda:
Average total assets$559,408,5001,206
Average earning assets$509,782,0001,208
Average equity$58,961,0001,207
Average total loans$370,168,7501,142
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0742%1,585
Cost of funding earning assets0.6422%4,510
Net interest margin4.4320%1,123
Noninterest income to average assets1.1920%1,002
Noninterest expense to average assets3.4734%1,849
Loan and lease loss provision to assets0.2749%2,389
Net operating income to assets1.4797%1,028
Return on assets (ROA)1.4797%1,152
Pretax return on assets1.4797%1,923
Return on Equity (ROE)14.2761%1,054
Retained earnings to average equity (ytd only)5.4975%2,988
Net charge-offs to loans-0.0038%6,134
Credit loss provision to net charge-offs-10,957.1429%6,603
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3131%4,836
Assets per employee ($millions)3.2896%5,464
Cash dividends to net income (ytd only)*61.4919%1,318
Condition Ratios (%)
Loss allowance to loans1.8250%2,770
Loan loss allowance to noncurrent loans114.0781%2,857
Noncurrent assets plus other real estate owned to assets2.5385%2,203
Noncurrent loans to loans1.5998%3,510
Net loans and leases to total assets67.1793%2,432
Net loans and leases to deposits80.4639%2,317
Net loans and leases to core deposits88.9854%2,103
Total domestic deposits to total assets83.4901%4,535
Equity capital to assets10.4133%3,792
Core capital (leverage) ratio10.6374%2,678
Tier 1 risk-based capital ratio13.3294%4,944
Total risk-based capital ratio14.5835%4,906
Memoranda:
Average total assets$558,071,6701,210
Average earning assets$508,218,6701,208
Average equity$57,845,0001,226
Average total loans$367,517,0001,147
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0192%1,826
Cost of funding earning assets0.6773%4,488
Net interest margin4.3418%1,352
Noninterest income to average assets1.1700%1,043
Noninterest expense to average assets3.5561%1,654
Loan and lease loss provision to assets0.2497%2,464
Net operating income to assets1.3013%1,458
Return on assets (ROA)1.3013%1,625
Pretax return on assets1.3013%2,531
Return on Equity (ROE)12.5846%1,515
Retained earnings to average equity (ytd only)8.7108%1,693
Net charge-offs to loans-0.0738%6,686
Credit loss provision to net charge-offs-524.2424%5,790
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4392%4,280
Assets per employee ($millions)3.3700%5,403
Cash dividends to net income (ytd only)*30.7820%2,068
Condition Ratios (%)
Loss allowance to loans1.8566%2,820
Loan loss allowance to noncurrent loans121.7984%2,586
Noncurrent assets plus other real estate owned to assets2.4053%2,460
Noncurrent loans to loans1.5244%3,832
Net loans and leases to total assets61.8657%3,284
Net loans and leases to deposits70.3445%3,679
Net loans and leases to core deposits77.1637%3,445
Total domestic deposits to total assets87.9468%2,356
Equity capital to assets10.1817%3,874
Core capital (leverage) ratio10.5765%2,664
Tier 1 risk-based capital ratio13.7701%4,631
Total risk-based capital ratio15.0240%4,613
Memoranda:
Average total assets$554,205,0001,225
Average earning assets$502,552,0001,224
Average equity$57,308,0001,236
Average total loans$357,690,5001,173
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3603%1,529
Cost of funding earning assets0.8338%4,601
Net interest margin4.5266%1,078
Noninterest income to average assets1.3803%672
Noninterest expense to average assets3.6024%1,736
Loan and lease loss provision to assets0.4816%2,193
Net operating income to assets1.3714%1,080
Return on assets (ROA)1.2335%1,524
Pretax return on assets1.2335%2,345
Return on Equity (ROE)11.6719%1,507
Retained earnings to average equity (ytd only)6.6499%1,669
Net charge-offs to loans0.6247%2,589
Credit loss provision to net charge-offs116.3018%2,787
Earnings coverage of net charge-offs (x)4.4751%3,098
Efficiency ratio63.8456%5,152
Assets per employee ($millions)3.0954%5,907
Cash dividends to net income (ytd only)*43.0269%2,418
Condition Ratios (%)
Loss allowance to loans1.7764%2,943
Loan loss allowance to noncurrent loans140.3747%2,269
Noncurrent assets plus other real estate owned to assets2.4347%2,501
Noncurrent loans to loans1.2655%4,258
Net loans and leases to total assets64.9762%2,993
Net loans and leases to deposits76.8678%3,028
Net loans and leases to core deposits83.5582%2,951
Total domestic deposits to total assets84.5298%4,074
Equity capital to assets10.5106%3,527
Core capital (leverage) ratio11.1961%2,123
Tier 1 risk-based capital ratio13.7433%4,525
Total risk-based capital ratio14.9963%4,482
Memoranda:
Average total assets$518,521,6001,291
Average earning assets$466,801,4001,315
Average equity$54,798,2001,238
Average total loans$343,707,8001,234
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3990%1,506
Cost of funding earning assets0.8587%4,713
Net interest margin4.5403%1,062
Noninterest income to average assets1.2867%785
Noninterest expense to average assets3.5648%1,786
Loan and lease loss provision to assets0.5429%1,814
Net operating income to assets1.2709%1,451
Return on assets (ROA)1.0676%2,223
Pretax return on assets1.0676%3,140
Return on Equity (ROE)10.0880%2,169
Retained earnings to average equity (ytd only)5.8818%2,630
Net charge-offs to loans0.8416%1,891
Credit loss provision to net charge-offs97.2596%3,521
Earnings coverage of net charge-offs (x)3.2494%3,522
Efficiency ratio64.0413%5,061
Assets per employee ($millions)3.1237%5,851
Cash dividends to net income (ytd only)*41.6951%1,960
Condition Ratios (%)
Loss allowance to loans1.6836%3,324
Loan loss allowance to noncurrent loans162.6313%1,882
Noncurrent assets plus other real estate owned to assets2.4662%2,611
Noncurrent loans to loans1.0352%4,825
Net loans and leases to total assets65.0875%3,088
Net loans and leases to deposits76.7073%3,212
Net loans and leases to core deposits82.9708%3,194
Total domestic deposits to total assets84.8517%3,848
Equity capital to assets10.5152%3,689
Core capital (leverage) ratio10.8919%2,483
Tier 1 risk-based capital ratio13.8915%4,422
Total risk-based capital ratio15.1439%4,382
Memoranda:
Average total assets$514,275,0001,308
Average earning assets$463,477,7501,327
Average equity$54,426,5001,250
Average total loans$341,073,2501,256
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3253%1,799
Cost of funding earning assets0.8782%4,838
Net interest margin4.4471%1,250
Noninterest income to average assets1.2328%833
Noninterest expense to average assets3.5842%1,776
Loan and lease loss provision to assets0.6662%1,446
Net operating income to assets0.9919%2,261
Return on assets (ROA)0.7777%3,293
Pretax return on assets0.7777%4,109
Return on Equity (ROE)7.3319%3,276
Retained earnings to average equity (ytd only)3.3182%4,143
Net charge-offs to loans1.1281%1,388
Credit loss provision to net charge-offs88.9937%3,486
Earnings coverage of net charge-offs (x)2.2149%3,728
Efficiency ratio66.0504%4,865
Assets per employee ($millions)2.9997%6,090
Cash dividends to net income (ytd only)*54.7427%1,537
Condition Ratios (%)
Loss allowance to loans1.6625%3,443
Loan loss allowance to noncurrent loans123.8764%2,368
Noncurrent assets plus other real estate owned to assets2.9255%2,294
Noncurrent loans to loans1.3421%4,412
Net loans and leases to total assets65.3433%3,176
Net loans and leases to deposits78.1055%3,103
Net loans and leases to core deposits84.4263%3,147
Total domestic deposits to total assets83.6603%4,483
Equity capital to assets10.7561%3,218
Core capital (leverage) ratio10.8204%2,401
Tier 1 risk-based capital ratio13.7071%4,380
Total risk-based capital ratio14.9595%4,350
Memoranda:
Average total assets$509,732,6701,323
Average earning assets$459,580,3301,338
Average equity$54,065,3301,242
Average total loans$338,270,3301,279
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3633%1,691
Cost of funding earning assets0.9182%4,790
Net interest margin4.4451%1,185
Noninterest income to average assets1.2662%794
Noninterest expense to average assets3.5872%1,795
Loan and lease loss provision to assets0.6747%1,262
Net operating income to assets1.0065%2,166
Return on assets (ROA)0.6462%3,845
Pretax return on assets0.6462%4,504
Return on Equity (ROE)6.1367%3,821
Retained earnings to average equity (ytd only)6.1367%2,554
Net charge-offs to loans1.5511%872
Credit loss provision to net charge-offs65.5889%3,444
Earnings coverage of net charge-offs (x)1.6343%3,494
Efficiency ratio65.7598%5,071
Assets per employee ($millions)3.0540%6,045
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.6597%3,488
Loan loss allowance to noncurrent loans158.6147%1,840
Noncurrent assets plus other real estate owned to assets2.6925%2,554
Noncurrent loans to loans1.0464%4,963
Net loans and leases to total assets62.7240%3,715
Net loans and leases to deposits72.1736%4,050
Net loans and leases to core deposits77.9315%4,030
Total domestic deposits to total assets86.9071%2,989
Equity capital to assets10.5033%3,173
Core capital (leverage) ratio10.7280%2,416
Tier 1 risk-based capital ratio13.9188%4,128
Total risk-based capital ratio15.1706%4,099
Memoranda:
Average total assets$505,124,0001,337
Average earning assets$454,797,0001,359
Average equity$53,188,5001,259
Average total loans$334,989,5001,305
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8104%1,254
Cost of funding earning assets1.1662%4,760
Net interest margin4.6442%919
Noninterest income to average assets1.4939%652
Noninterest expense to average assets3.5659%2,016
Loan and lease loss provision to assets0.9246%1,764
Net operating income to assets1.1849%1,446
Return on assets (ROA)0.7527%3,113
Pretax return on assets0.7527%3,790
Return on Equity (ROE)7.4038%2,933
Retained earnings to average equity (ytd only)2.9716%3,775
Net charge-offs to loans1.3305%1,676
Credit loss provision to net charge-offs95.6495%4,863
Earnings coverage of net charge-offs (x)2.1822%4,085
Efficiency ratio60.4578%5,979
Assets per employee ($millions)2.8222%6,491
Cash dividends to net income (ytd only)*59.8636%1,628
Condition Ratios (%)
Loss allowance to loans1.7540%3,013
Loan loss allowance to noncurrent loans81.7919%3,459
Noncurrent assets plus other real estate owned to assets3.8669%1,772
Noncurrent loans to loans2.1444%3,374
Net loans and leases to total assets67.7889%3,032
Net loans and leases to deposits79.2082%3,305
Net loans and leases to core deposits86.9736%3,188
Total domestic deposits to total assets85.5832%3,561
Equity capital to assets10.5578%3,095
Core capital (leverage) ratio10.9012%2,227
Tier 1 risk-based capital ratio13.5233%4,179
Total risk-based capital ratio14.7765%4,146
Memoranda:
Average total assets$506,465,8001,321
Average earning assets$456,007,4001,342
Average equity$51,487,4001,293
Average total loans$367,991,4001,229
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9025%1,127
Cost of funding earning assets1.2074%4,825
Net interest margin4.6950%852
Noninterest income to average assets1.5326%589
Noninterest expense to average assets3.5183%1,999
Loan and lease loss provision to assets0.8964%1,695
Net operating income to assets1.3432%1,246
Return on assets (ROA)1.0145%2,304
Pretax return on assets1.0145%3,130
Return on Equity (ROE)10.0728%2,094
Retained earnings to average equity (ytd only)5.9119%2,410
Net charge-offs to loans0.9664%2,066
Credit loss provision to net charge-offs126.1397%3,238
Earnings coverage of net charge-offs (x)3.1515%3,565
Efficiency ratio58.7395%6,156
Assets per employee ($millions)2.9057%6,361
Cash dividends to net income (ytd only)*41.3082%2,035
Condition Ratios (%)
Loss allowance to loans1.9064%2,466
Loan loss allowance to noncurrent loans112.9069%2,490
Noncurrent assets plus other real estate owned to assets3.4077%2,085
Noncurrent loans to loans1.6885%4,108
Net loans and leases to total assets69.8883%2,756
Net loans and leases to deposits81.4683%3,191
Net loans and leases to core deposits90.0850%3,077
Total domestic deposits to total assets85.7860%3,194
Equity capital to assets10.3492%3,701
Core capital (leverage) ratio10.7354%2,482
Tier 1 risk-based capital ratio13.0764%4,518
Total risk-based capital ratio14.3315%4,493
Memoranda:
Average total assets$510,315,5001,318
Average earning assets$459,253,0001,346
Average equity$51,397,7501,302
Average total loans$375,281,2501,216
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8755%1,244
Cost of funding earning assets1.2343%4,935
Net interest margin4.6412%910
Noninterest income to average assets1.3304%716
Noninterest expense to average assets3.4484%2,148
Loan and lease loss provision to assets0.8193%1,766
Net operating income to assets1.2557%1,413
Return on assets (ROA)0.9041%2,653
Pretax return on assets0.9041%3,475
Return on Equity (ROE)9.0587%2,437
Retained earnings to average equity (ytd only)5.4415%2,655
Net charge-offs to loans0.8893%2,058
Credit loss provision to net charge-offs124.0095%3,264
Earnings coverage of net charge-offs (x)3.1407%3,434
Efficiency ratio59.9774%6,049
Assets per employee ($millions)3.0867%5,955
Cash dividends to net income (ytd only)*39.9309%2,088
Condition Ratios (%)
Loss allowance to loans1.7035%3,061
Loan loss allowance to noncurrent loans127.5165%2,187
Noncurrent assets plus other real estate owned to assets3.0544%2,333
Noncurrent loans to loans1.3359%4,716
Net loans and leases to total assets73.0181%2,164
Net loans and leases to deposits85.5428%2,588
Net loans and leases to core deposits94.1079%2,701
Total domestic deposits to total assets85.3586%3,439
Equity capital to assets10.0223%3,998
Core capital (leverage) ratio10.4162%2,698
Tier 1 risk-based capital ratio12.1023%5,225
Total risk-based capital ratio13.3512%5,191
Memoranda:
Average total assets$511,892,3301,324
Average earning assets$462,465,6701,344
Average equity$51,089,0001,302
Average total loans$380,304,3301,214
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8225%1,395
Cost of funding earning assets1.2700%5,004
Net interest margin4.5525%1,044
Noninterest income to average assets1.2907%727
Noninterest expense to average assets3.4332%2,146
Loan and lease loss provision to assets0.8825%1,444
Net operating income to assets1.0831%1,884
Return on assets (ROA)0.5317%4,361
Pretax return on assets0.5317%4,848
Return on Equity (ROE)5.3389%4,189
Retained earnings to average equity (ytd only)5.3389%2,969
Net charge-offs to loans0.2551%3,414
Credit loss provision to net charge-offs465.5602%905
Earnings coverage of net charge-offs (x)10.3693%1,752
Efficiency ratio61.0723%5,989
Assets per employee ($millions)3.2253%5,711
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.8852%2,493
Loan loss allowance to noncurrent loans94.3551%2,921
Noncurrent assets plus other real estate owned to assets3.1853%2,251
Noncurrent loans to loans1.9980%3,791
Net loans and leases to total assets70.0922%2,912
Net loans and leases to deposits81.5601%3,363
Net loans and leases to core deposits89.1845%3,474
Total domestic deposits to total assets85.9393%3,187
Equity capital to assets9.8928%4,003
Core capital (leverage) ratio10.2635%2,852
Tier 1 risk-based capital ratio11.9564%5,243
Total risk-based capital ratio13.2065%5,202
Memoranda:
Average total assets$508,557,0001,361
Average earning assets$458,912,5001,382
Average equity$50,647,5001,319
Average total loans$377,853,0001,257
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1140%1,480
Cost of funding earning assets1.9166%3,374
Net interest margin4.1974%2,068
Noninterest income to average assets1.3432%825
Noninterest expense to average assets3.3060%2,995
Loan and lease loss provision to assets0.9866%2,298
Net operating income to assets0.8590%2,314
Return on assets (ROA)0.6362%3,244
Pretax return on assets0.6362%3,790
Return on Equity (ROE)7.2635%2,684
Retained earnings to average equity (ytd only)3.0899%3,000
Net charge-offs to loans1.0810%2,258
Credit loss provision to net charge-offs118.0285%4,588
Earnings coverage of net charge-offs (x)2.2078%4,067
Efficiency ratio62.0775%6,143
Assets per employee ($millions)3.0721%6,048
Cash dividends to net income (ytd only)*57.4594%2,118
Condition Ratios (%)
Loss allowance to loans1.6097%3,244
Loan loss allowance to noncurrent loans52.2936%4,870
Noncurrent assets plus other real estate owned to assets4.2546%1,541
Noncurrent loans to loans3.0781%2,489
Net loans and leases to total assets76.0757%1,780
Net loans and leases to deposits89.5805%2,284
Net loans and leases to core deposits122.0114%1,779
Total domestic deposits to total assets84.9244%3,589
Equity capital to assets10.0290%3,717
Core capital (leverage) ratio10.4104%2,680
Tier 1 risk-based capital ratio11.5318%5,363
Total risk-based capital ratio12.7808%5,324
Memoranda:
Average total assets$503,634,6001,364
Average earning assets$456,952,0001,378
Average equity$44,110,8001,515
Average total loans$389,440,8001,234
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1051%1,636
Cost of funding earning assets1.9872%3,433
Net interest margin4.1179%2,324
Noninterest income to average assets1.3486%836
Noninterest expense to average assets3.2481%3,134
Loan and lease loss provision to assets0.7501%2,494
Net operating income to assets1.0964%1,743
Return on assets (ROA)0.9997%2,119
Pretax return on assets0.9997%2,903
Return on Equity (ROE)11.8333%1,403
Retained earnings to average equity (ytd only)6.0898%1,905
Net charge-offs to loans0.9199%2,130
Credit loss provision to net charge-offs105.4465%4,821
Earnings coverage of net charge-offs (x)2.5958%3,925
Efficiency ratio61.6451%6,173
Assets per employee ($millions)3.2355%5,559
Cash dividends to net income (ytd only)*48.5368%2,072
Condition Ratios (%)
Loss allowance to loans1.3769%4,077
Loan loss allowance to noncurrent loans101.5385%2,736
Noncurrent assets plus other real estate owned to assets2.0221%3,317
Noncurrent loans to loans1.3560%4,660
Net loans and leases to total assets75.7621%2,040
Net loans and leases to deposits93.1512%2,034
Net loans and leases to core deposits124.5872%1,851
Total domestic deposits to total assets81.3323%4,950
Equity capital to assets9.6299%4,584
Core capital (leverage) ratio10.2984%2,977
Tier 1 risk-based capital ratio10.7889%6,172
Total risk-based capital ratio11.8610%6,308
Memoranda:
Average total assets$505,889,5001,381
Average earning assets$460,195,2501,387
Average equity$42,737,2501,585
Average total loans$391,191,5001,243
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0867%1,831
Cost of funding earning assets2.0828%3,349
Net interest margin4.0039%2,685
Noninterest income to average assets1.3329%864
Noninterest expense to average assets3.3317%2,846
Loan and lease loss provision to assets0.5706%2,728
Net operating income to assets1.0692%1,874
Return on assets (ROA)1.0012%2,195
Pretax return on assets1.0012%3,007
Return on Equity (ROE)12.4609%1,297
Retained earnings to average equity (ytd only)6.1059%1,966
Net charge-offs to loans0.6542%2,401
Credit loss provision to net charge-offs112.5493%4,115
Earnings coverage of net charge-offs (x)3.2344%3,519
Efficiency ratio64.8261%5,753
Assets per employee ($millions)3.1172%5,816
Cash dividends to net income (ytd only)*50.9992%2,001
Condition Ratios (%)
Loss allowance to loans1.3916%3,770
Loan loss allowance to noncurrent loans85.2670%3,325
Noncurrent assets plus other real estate owned to assets2.1135%3,043
Noncurrent loans to loans1.6321%4,049
Net loans and leases to total assets78.4423%1,648
Net loans and leases to deposits94.7987%1,975
Net loans and leases to core deposits125.6897%1,901
Total domestic deposits to total assets82.7462%4,361
Equity capital to assets7.9258%6,836
Core capital (leverage) ratio8.2947%5,809
Tier 1 risk-based capital ratio8.8873%7,749
Total risk-based capital ratio10.0761%7,816
Memoranda:
Average total assets$499,800,0001,420
Average earning assets$454,202,0001,417
Average equity$40,157,6701,689
Average total loans$387,369,6701,277
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1118%1,904
Cost of funding earning assets2.1892%3,221
Net interest margin3.9226%2,964
Noninterest income to average assets1.3096%833
Noninterest expense to average assets3.2793%2,721
Loan and lease loss provision to assets0.4170%2,834
Net operating income to assets1.1613%1,769
Return on assets (ROA)1.1613%1,888
Pretax return on assets1.1613%2,761
Return on Equity (ROE)14.3553%1,097
Retained earnings to average equity (ytd only)6.7811%2,296
Net charge-offs to loans0.0902%4,268
Credit loss provision to net charge-offs604.6512%935
Earnings coverage of net charge-offs (x)22.8837%1,298
Efficiency ratio65.2633%5,456
Assets per employee ($millions)3.1218%5,834
Cash dividends to net income (ytd only)*52.7624%1,672
Condition Ratios (%)
Loss allowance to loans1.5330%2,804
Loan loss allowance to noncurrent loans87.2382%3,427
Noncurrent assets plus other real estate owned to assets1.3841%3,875
Noncurrent loans to loans1.7572%3,633
Net loans and leases to total assets74.0609%2,739
Net loans and leases to deposits86.6906%3,522
Net loans and leases to core deposits112.2118%3,204
Total domestic deposits to total assets85.4312%3,000
Equity capital to assets8.0154%6,783
Core capital (leverage) ratio8.2848%5,931
Tier 1 risk-based capital ratio9.0102%7,788
Total risk-based capital ratio10.2606%7,817
Memoranda:
Average total assets$498,761,5001,420
Average earning assets$451,129,5001,429
Average equity$40,347,5001,691
Average total loans$381,434,5001,311
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1455%820
Cost of funding earning assets2.8379%2,542
Net interest margin4.3076%1,948
Noninterest income to average assets1.4433%684
Noninterest expense to average assets3.2989%2,962
Loan and lease loss provision to assets0.7265%2,036
Net operating income to assets1.3142%1,447
Return on assets (ROA)1.3222%1,372
Pretax return on assets1.3222%2,230
Return on Equity (ROE)16.0266%772
Retained earnings to average equity (ytd only)6.5661%1,313
Net charge-offs to loans0.6814%1,807
Credit loss provision to net charge-offs139.5236%3,805
Earnings coverage of net charge-offs (x)3.9193%4,180
Efficiency ratio59.6394%6,414
Assets per employee ($millions)3.1729%5,555
Cash dividends to net income (ytd only)*59.0302%2,717
Condition Ratios (%)
Loss allowance to loans1.4110%3,135
Loan loss allowance to noncurrent loans98.2344%3,514
Noncurrent assets plus other real estate owned to assets1.2206%3,792
Noncurrent loans to loans1.4364%3,648
Net loans and leases to total assets76.6772%2,454
Net loans and leases to deposits96.9364%2,298
Net loans and leases to core deposits128.4593%1,967
Total domestic deposits to total assets79.1005%5,338
Equity capital to assets8.1658%6,607
Core capital (leverage) ratio8.1963%6,173
Tier 1 risk-based capital ratio9.0378%7,754
Total risk-based capital ratio10.2204%7,804
Memoranda:
Average total assets$475,709,6001,450
Average earning assets$430,282,0001,451
Average equity$39,247,2001,716
Average total loans$363,503,2001,332