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Horizon Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3337%3,102
Cost of funding earning assets0.2091%3,377
Net interest margin3.1247%2,825
Noninterest income to average assets0.8676%1,286
Noninterest expense to average assets2.1108%3,364
Loan and lease loss provision to assets-0.0317%4,280
Net operating income to assets1.3879%1,318
Return on assets (ROA)1.3998%1,332
Pretax return on assets1.6542%1,260
Return on Equity (ROE)12.9114%1,491
Retained earnings to average equity (ytd only)9.9637%926
Net charge-offs to loans0.0447%1,389
Credit loss provision to net charge-offs-126.9957%3,413
Earnings coverage of net charge-offs (x)64.4174%1,133
Efficiency ratio55.1735%3,800
Assets per employee ($millions)8.1534%1,248
Cash dividends to net income (ytd only)*22.8301%2,903
Condition Ratios (%)
Loss allowance to loans1.5076%1,524
Loan loss allowance to noncurrent loans324.2117%1,959
Noncurrent assets plus other real estate owned to assets0.2766%2,162
Noncurrent loans to loans0.4650%1,971
Net loans and leases to total assets48.3295%3,472
Net loans and leases to deposits60.5517%3,029
Net loans and leases to core deposits64.1375%2,972
Total domestic deposits to total assets79.8152%4,239
Equity capital to assets10.7808%1,947
Core capital (leverage) ratio8.5224%3,899
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.7521%1,946
Memoranda:
Average total assets$6,571,457,800215
Average earning assets$5,997,557,000214
Average equity$712,424,600212
Average total loans$3,669,106,600231
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3488%3,254
Cost of funding earning assets0.2255%3,369
Net interest margin3.1233%2,988
Noninterest income to average assets0.9234%1,208
Noninterest expense to average assets2.0800%3,418
Loan and lease loss provision to assets-0.0003%4,278
Net operating income to assets1.4326%1,436
Return on assets (ROA)1.4488%1,461
Pretax return on assets1.7053%1,391
Return on Equity (ROE)13.3427%1,600
Retained earnings to average equity (ytd only)9.3010%1,573
Net charge-offs to loans0.0083%2,005
Credit loss provision to net charge-offs-5.6522%3,045
Earnings coverage of net charge-offs (x)350.7348%397
Efficiency ratio53.7387%3,841
Assets per employee ($millions)9.0586%876
Cash dividends to net income (ytd only)*30.2917%2,063
Condition Ratios (%)
Loss allowance to loans1.5493%1,465
Loan loss allowance to noncurrent loans209.8573%2,469
Noncurrent assets plus other real estate owned to assets0.3995%1,854
Noncurrent loans to loans0.7382%1,518
Net loans and leases to total assets47.9889%3,631
Net loans and leases to deposits59.1414%3,318
Net loans and leases to core deposits62.3396%3,280
Total domestic deposits to total assets81.1427%4,071
Equity capital to assets9.4275%3,439
Core capital (leverage) ratio8.3818%4,142
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9668%2,715
Memoranda:
Average total assets$6,379,804,250221
Average earning assets$5,806,206,000221
Average equity$692,755,500215
Average total loans$3,686,198,500231
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4953%2,904
Cost of funding earning assets0.2556%3,236
Net interest margin3.2397%2,639
Noninterest income to average assets0.9380%1,179
Noninterest expense to average assets2.1779%3,162
Loan and lease loss provision to assets-0.0375%4,484
Net operating income to assets1.4717%1,368
Return on assets (ROA)1.4976%1,362
Pretax return on assets1.7624%1,323
Return on Equity (ROE)13.0719%1,687
Retained earnings to average equity (ytd only)8.9985%1,709
Net charge-offs to loans0.0134%1,682
Credit loss provision to net charge-offs-455.4656%3,443
Earnings coverage of net charge-offs (x)205.8138%488
Efficiency ratio54.6964%3,716
Assets per employee ($millions)7.5189%1,468
Cash dividends to net income (ytd only)*31.1610%2,003
Condition Ratios (%)
Loss allowance to loans1.5779%1,332
Loan loss allowance to noncurrent loans264.2654%2,076
Noncurrent assets plus other real estate owned to assets0.3694%2,128
Noncurrent loans to loans0.5971%1,910
Net loans and leases to total assets56.9935%2,785
Net loans and leases to deposits70.6854%2,339
Net loans and leases to core deposits73.1381%2,504
Total domestic deposits to total assets80.6299%4,138
Equity capital to assets11.5349%1,609
Core capital (leverage) ratio8.7889%3,705
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0864%2,338
Memoranda:
Average total assets$6,000,193,667229
Average earning assets$5,434,592,333233
Average equity$687,400,000215
Average total loans$3,693,300,667234
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5317%2,824
Cost of funding earning assets0.2677%3,300
Net interest margin3.2640%2,498
Noninterest income to average assets0.8700%1,410
Noninterest expense to average assets2.1563%3,247
Loan and lease loss provision to assets0.0247%2,464
Net operating income to assets1.3911%1,595
Return on assets (ROA)1.4433%1,526
Pretax return on assets1.7037%1,477
Return on Equity (ROE)12.6423%1,770
Retained earnings to average equity (ytd only)8.5237%2,088
Net charge-offs to loans0.0220%1,294
Credit loss provision to net charge-offs176.4423%931
Earnings coverage of net charge-offs (x)119.3173%551
Efficiency ratio54.8208%3,697
Assets per employee ($millions)7.3247%1,575
Cash dividends to net income (ytd only)*32.5778%1,629
Condition Ratios (%)
Loss allowance to loans1.5573%1,405
Loan loss allowance to noncurrent loans242.7250%2,056
Noncurrent assets plus other real estate owned to assets0.4190%2,144
Noncurrent loans to loans0.6416%1,965
Net loans and leases to total assets59.8957%2,551
Net loans and leases to deposits74.5495%2,062
Net loans and leases to core deposits78.0062%2,184
Total domestic deposits to total assets80.3434%4,153
Equity capital to assets11.2370%1,691
Core capital (leverage) ratio8.8061%3,805
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8636%2,340
Memoranda:
Average total assets$5,955,123,000232
Average earning assets$5,388,284,000234
Average equity$679,842,000217
Average total loans$3,776,577,500232
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0870%2,460
Cost of funding earning assets0.5964%2,339
Net interest margin3.4906%2,502
Noninterest income to average assets0.9876%1,066
Noninterest expense to average assets2.3346%3,311
Loan and lease loss provision to assets0.3711%885
Net operating income to assets1.2361%1,427
Return on assets (ROA)1.3030%1,338
Pretax return on assets1.4946%1,347
Return on Equity (ROE)11.0455%1,609
Retained earnings to average equity (ytd only)1.9489%3,850
Net charge-offs to loans0.0484%2,104
Credit loss provision to net charge-offs1,113.2511%723
Earnings coverage of net charge-offs (x)53.6599%1,138
Efficiency ratio54.9563%4,096
Assets per employee ($millions)7.1468%1,481
Cash dividends to net income (ytd only)*82.3554%573
Condition Ratios (%)
Loss allowance to loans1.4694%1,691
Loan loss allowance to noncurrent loans197.1206%2,367
Noncurrent assets plus other real estate owned to assets0.5249%1,978
Noncurrent loans to loans0.7454%1,837
Net loans and leases to total assets65.0912%2,213
Net loans and leases to deposits82.0899%1,653
Net loans and leases to core deposits86.4839%1,828
Total domestic deposits to total assets79.2926%4,166
Equity capital to assets11.6001%1,810
Core capital (leverage) ratio8.7058%4,003
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2087%2,866
Memoranda:
Average total assets$5,591,287,600230
Average earning assets$5,023,038,600233
Average equity$659,592,000214
Average total loans$3,854,621,600227
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0910%2,698
Cost of funding earning assets0.5861%2,701
Net interest margin3.5049%2,575
Noninterest income to average assets0.9204%1,171
Noninterest expense to average assets2.2921%3,442
Loan and lease loss provision to assets0.4277%782
Net operating income to assets1.1532%1,811
Return on assets (ROA)1.1880%1,801
Pretax return on assets1.3877%1,775
Return on Equity (ROE)10.0258%2,013
Retained earnings to average equity (ytd only)-0.7772%4,591
Net charge-offs to loans0.0567%1,802
Credit loss provision to net charge-offs1,083.1193%791
Earnings coverage of net charge-offs (x)44.9492%1,270
Efficiency ratio54.6884%4,076
Assets per employee ($millions)7.0523%1,465
Cash dividends to net income (ytd only)*107.7520%242
Condition Ratios (%)
Loss allowance to loans1.3929%1,760
Loan loss allowance to noncurrent loans205.0349%2,159
Noncurrent assets plus other real estate owned to assets0.5147%2,149
Noncurrent loans to loans0.6793%2,094
Net loans and leases to total assets69.0302%2,107
Net loans and leases to deposits89.3399%1,338
Net loans and leases to core deposits95.1719%1,533
Total domestic deposits to total assets77.2670%4,291
Equity capital to assets11.4324%2,062
Core capital (leverage) ratio8.5650%4,214
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.5564%3,016
Memoranda:
Average total assets$5,520,441,750230
Average earning assets$4,956,275,750231
Average equity$654,123,250213
Average total loans$3,848,046,750227
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1834%2,814
Cost of funding earning assets0.6779%2,511
Net interest margin3.5056%2,767
Noninterest income to average assets0.8278%1,355
Noninterest expense to average assets2.2711%3,598
Loan and lease loss provision to assets0.5761%566
Net operating income to assets0.9881%2,370
Return on assets (ROA)1.0071%2,421
Pretax return on assets1.1457%2,563
Return on Equity (ROE)8.3947%2,601
Retained earnings to average equity (ytd only)-5.7145%4,801
Net charge-offs to loans0.0429%1,888
Credit loss provision to net charge-offs1,930.4562%498
Earnings coverage of net charge-offs (x)56.9741%1,007
Efficiency ratio55.4296%4,012
Assets per employee ($millions)7.0209%1,424
Cash dividends to net income (ytd only)*168.0734%148
Condition Ratios (%)
Loss allowance to loans1.3792%1,657
Loan loss allowance to noncurrent loans211.5916%2,060
Noncurrent assets plus other real estate owned to assets0.5002%2,337
Noncurrent loans to loans0.6518%2,229
Net loans and leases to total assets68.7581%2,220
Net loans and leases to deposits88.8627%1,468
Net loans and leases to core deposits95.9870%1,582
Total domestic deposits to total assets77.3756%4,267
Equity capital to assets11.2296%2,161
Core capital (leverage) ratio8.4759%4,415
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7445%3,035
Memoranda:
Average total assets$5,435,297,667230
Average earning assets$4,873,974,000232
Average equity$652,057,667213
Average total loans$3,782,922,667228
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3615%2,743
Cost of funding earning assets0.8403%2,170
Net interest margin3.5213%2,908
Noninterest income to average assets0.8788%1,112
Noninterest expense to average assets2.3473%3,665
Loan and lease loss provision to assets0.6505%411
Net operating income to assets0.9067%2,502
Return on assets (ROA)0.9294%2,529
Pretax return on assets1.0593%2,641
Return on Equity (ROE)7.4874%2,737
Retained earnings to average equity (ytd only)0.1749%3,947
Net charge-offs to loans0.0439%1,592
Credit loss provision to net charge-offs2,128.7129%327
Earnings coverage of net charge-offs (x)55.1114%841
Efficiency ratio56.4345%4,169
Assets per employee ($millions)6.5047%1,338
Cash dividends to net income (ytd only)*97.6642%774
Condition Ratios (%)
Loss allowance to loans1.3044%2,129
Loan loss allowance to noncurrent loans221.3287%1,910
Noncurrent assets plus other real estate owned to assets0.4623%2,621
Noncurrent loans to loans0.5894%2,531
Net loans and leases to total assets68.6298%2,446
Net loans and leases to deposits93.4825%1,125
Net loans and leases to core deposits103.8423%1,197
Total domestic deposits to total assets73.4146%4,695
Equity capital to assets12.1790%1,936
Core capital (leverage) ratio9.4285%4,063
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7343%2,833
Memoranda:
Average total assets$5,288,407,000230
Average earning assets$4,734,776,500230
Average equity$656,410,500214
Average total loans$3,677,236,500231
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6801%2,383
Cost of funding earning assets0.9963%1,738
Net interest margin3.6838%2,854
Noninterest income to average assets0.8693%1,249
Noninterest expense to average assets2.4475%3,578
Loan and lease loss provision to assets0.0398%3,220
Net operating income to assets1.4043%1,330
Return on assets (ROA)1.4030%1,408
Pretax return on assets1.6839%1,236
Return on Equity (ROE)11.2996%1,773
Retained earnings to average equity (ytd only)3.9957%2,966
Net charge-offs to loans0.0604%2,238
Credit loss provision to net charge-offs92.8135%2,616
Earnings coverage of net charge-offs (x)40.2081%1,312
Efficiency ratio56.9499%4,097
Assets per employee ($millions)6.5455%1,261
Cash dividends to net income (ytd only)*64.6385%1,355
Condition Ratios (%)
Loss allowance to loans0.4852%4,905
Loan loss allowance to noncurrent loans99.0803%3,308
Noncurrent assets plus other real estate owned to assets0.4117%2,747
Noncurrent loans to loans0.4897%2,716
Net loans and leases to total assets69.1935%2,517
Net loans and leases to deposits90.9919%1,484
Net loans and leases to core deposits102.6086%1,347
Total domestic deposits to total assets76.0436%4,592
Equity capital to assets12.6502%1,735
Core capital (leverage) ratio9.4899%4,076
Tier 1 risk-based capital ratio12.2017%4,240
Total risk-based capital ratio12.6526%4,556
Memoranda:
Average total assets$4,961,955,400228
Average earning assets$4,449,583,800232
Average equity$616,109,200219
Average total loans$3,522,774,800229
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7048%2,404
Cost of funding earning assets1.0114%1,713
Net interest margin3.6934%2,942
Noninterest income to average assets0.8504%1,274
Noninterest expense to average assets2.4790%3,495
Loan and lease loss provision to assets0.0446%3,018
Net operating income to assets1.3706%1,573
Return on assets (ROA)1.3687%1,644
Pretax return on assets1.6370%1,503
Return on Equity (ROE)11.0785%1,990
Retained earnings to average equity (ytd only)1.1537%4,524
Net charge-offs to loans0.0573%2,011
Credit loss provision to net charge-offs109.0667%2,107
Earnings coverage of net charge-offs (x)41.2013%1,351
Efficiency ratio57.8800%3,953
Assets per employee ($millions)6.4541%1,295
Cash dividends to net income (ytd only)*89.5861%444
Condition Ratios (%)
Loss allowance to loans0.4896%4,986
Loan loss allowance to noncurrent loans114.6323%3,089
Noncurrent assets plus other real estate owned to assets0.3793%2,985
Noncurrent loans to loans0.4271%3,026
Net loans and leases to total assets70.3341%2,420
Net loans and leases to deposits91.8634%1,451
Net loans and leases to core deposits103.8369%1,338
Total domestic deposits to total assets76.5638%4,581
Equity capital to assets12.3980%1,983
Core capital (leverage) ratio9.3469%4,332
Tier 1 risk-based capital ratio11.6233%4,606
Total risk-based capital ratio12.0793%4,883
Memoranda:
Average total assets$4,893,340,000232
Average earning assets$4,388,841,250237
Average equity$604,532,500224
Average total loans$3,493,236,250231
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6053%2,662
Cost of funding earning assets1.0176%1,614
Net interest margin3.5876%3,302
Noninterest income to average assets0.8216%1,278
Noninterest expense to average assets2.5479%3,335
Loan and lease loss provision to assets0.0526%2,769
Net operating income to assets1.2063%2,128
Return on assets (ROA)1.2033%2,197
Pretax return on assets1.4403%2,064
Return on Equity (ROE)9.7523%2,504
Retained earnings to average equity (ytd only)2.9909%3,721
Net charge-offs to loans0.0451%2,007
Credit loss provision to net charge-offs162.5806%1,405
Earnings coverage of net charge-offs (x)46.2890%1,152
Efficiency ratio61.4072%3,521
Assets per employee ($millions)6.2853%1,345
Cash dividends to net income (ytd only)*69.3313%1,127
Condition Ratios (%)
Loss allowance to loans0.4991%5,019
Loan loss allowance to noncurrent loans109.0102%3,189
Noncurrent assets plus other real estate owned to assets0.4041%2,888
Noncurrent loans to loans0.4578%2,909
Net loans and leases to total assets71.5961%2,265
Net loans and leases to deposits91.9126%1,495
Net loans and leases to core deposits103.4586%1,431
Total domestic deposits to total assets77.8958%4,414
Equity capital to assets12.6485%1,778
Core capital (leverage) ratio9.5223%4,119
Tier 1 risk-based capital ratio11.7623%4,538
Total risk-based capital ratio12.2292%4,835
Memoranda:
Average total assets$4,794,743,330238
Average earning assets$4,307,039,670239
Average equity$591,593,330226
Average total loans$3,435,086,670236
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3417%3,428
Cost of funding earning assets1.0042%1,551
Net interest margin3.3375%4,067
Noninterest income to average assets0.7492%1,435
Noninterest expense to average assets2.5564%3,352
Loan and lease loss provision to assets0.0314%2,994
Net operating income to assets0.9750%2,949
Return on assets (ROA)0.9761%2,986
Pretax return on assets1.1659%2,919
Return on Equity (ROE)8.0217%3,253
Retained earnings to average equity (ytd only)0.9423%4,321
Net charge-offs to loans0.0438%1,648
Credit loss provision to net charge-offs100.2755%1,571
Earnings coverage of net charge-offs (x)38.2452%1,179
Efficiency ratio67.3776%2,728
Assets per employee ($millions)6.6651%1,164
Cash dividends to net income (ytd only)*88.2535%772
Condition Ratios (%)
Loss allowance to loans0.4919%5,087
Loan loss allowance to noncurrent loans105.6873%3,303
Noncurrent assets plus other real estate owned to assets0.4060%2,961
Noncurrent loans to loans0.4654%2,918
Net loans and leases to total assets71.4544%2,263
Net loans and leases to deposits91.9571%1,408
Net loans and leases to core deposits103.6090%1,343
Total domestic deposits to total assets77.7040%4,567
Equity capital to assets12.4945%1,737
Core capital (leverage) ratio10.9884%2,586
Tier 1 risk-based capital ratio11.8352%4,545
Total risk-based capital ratio12.3014%4,856
Memoranda:
Average total assets$4,643,407,500245
Average earning assets$4,178,263,000243
Average equity$565,018,000231
Average total loans$3,318,703,000241
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5268%2,380
Cost of funding earning assets0.7937%1,554
Net interest margin3.7332%2,927
Noninterest income to average assets0.8558%1,297
Noninterest expense to average assets2.5037%3,600
Loan and lease loss provision to assets0.0714%2,708
Net operating income to assets1.3673%1,542
Return on assets (ROA)1.3583%1,568
Pretax return on assets1.6336%1,366
Return on Equity (ROE)11.1759%2,014
Retained earnings to average equity (ytd only)2.0847%4,323
Net charge-offs to loans0.0507%2,429
Credit loss provision to net charge-offs196.3514%1,469
Earnings coverage of net charge-offs (x)47.2169%1,173
Efficiency ratio58.1653%4,138
Assets per employee ($millions)5.9237%1,572
Cash dividends to net income (ytd only)*81.3464%660
Condition Ratios (%)
Loss allowance to loans0.5912%4,983
Loan loss allowance to noncurrent loans135.2664%2,903
Noncurrent assets plus other real estate owned to assets0.3584%3,110
Noncurrent loans to loans0.4370%2,970
Net loans and leases to total assets70.6511%2,472
Net loans and leases to deposits94.5275%1,226
Net loans and leases to core deposits106.9495%1,200
Total domestic deposits to total assets74.7413%4,897
Equity capital to assets11.7800%2,046
Core capital (leverage) ratio9.3367%4,318
Tier 1 risk-based capital ratio11.8675%4,523
Total risk-based capital ratio12.4268%4,787
Memoranda:
Average total assets$4,072,753,200264
Average earning assets$3,669,625,200264
Average equity$494,983,800248
Average total loans$2,919,021,200257
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4945%2,327
Cost of funding earning assets0.7284%1,693
Net interest margin3.7661%2,767
Noninterest income to average assets0.8616%1,306
Noninterest expense to average assets2.5128%3,549
Loan and lease loss provision to assets0.0787%2,378
Net operating income to assets1.3782%1,561
Return on assets (ROA)1.3751%1,578
Pretax return on assets1.6592%1,384
Return on Equity (ROE)11.2237%2,080
Retained earnings to average equity (ytd only)3.1239%4,187
Net charge-offs to loans0.0449%2,201
Credit loss provision to net charge-offs244.1478%1,202
Earnings coverage of net charge-offs (x)54.0536%1,125
Efficiency ratio57.8765%4,146
Assets per employee ($millions)5.8590%1,599
Cash dividends to net income (ytd only)*72.1674%786
Condition Ratios (%)
Loss allowance to loans0.6014%5,042
Loan loss allowance to noncurrent loans140.3849%2,879
Noncurrent assets plus other real estate owned to assets0.3606%3,228
Noncurrent loans to loans0.4284%3,122
Net loans and leases to total assets71.1134%2,475
Net loans and leases to deposits93.4087%1,447
Net loans and leases to core deposits109.2252%1,087
Total domestic deposits to total assets76.1314%4,775
Equity capital to assets11.9904%1,913
Core capital (leverage) ratio9.5296%4,138
Tier 1 risk-based capital ratio12.0915%4,454
Total risk-based capital ratio12.6596%4,725
Memoranda:
Average total assets$4,030,607,750264
Average earning assets$3,631,028,250265
Average equity$493,822,000242
Average total loans$2,895,184,000257
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4548%2,241
Cost of funding earning assets0.6640%1,844
Net interest margin3.7908%2,593
Noninterest income to average assets0.8630%1,283
Noninterest expense to average assets2.5287%3,552
Loan and lease loss provision to assets0.0602%2,698
Net operating income to assets1.3947%1,462
Return on assets (ROA)1.3951%1,461
Pretax return on assets1.6887%1,246
Return on Equity (ROE)11.3039%1,989
Retained earnings to average equity (ytd only)3.1920%3,971
Net charge-offs to loans0.0365%2,122
Credit loss provision to net charge-offs228.9524%1,197
Earnings coverage of net charge-offs (x)66.5238%937
Efficiency ratio57.9021%4,248
Assets per employee ($millions)5.6987%1,719
Cash dividends to net income (ytd only)*71.7618%942
Condition Ratios (%)
Loss allowance to loans0.5831%5,130
Loan loss allowance to noncurrent loans126.6489%3,044
Noncurrent assets plus other real estate owned to assets0.4038%3,119
Noncurrent loans to loans0.4604%3,055
Net loans and leases to total assets71.6302%2,337
Net loans and leases to deposits96.0250%1,134
Net loans and leases to core deposits107.0219%1,178
Total domestic deposits to total assets74.5953%4,991
Equity capital to assets12.1774%1,733
Core capital (leverage) ratio9.6450%3,949
Tier 1 risk-based capital ratio12.2120%4,366
Total risk-based capital ratio12.7688%4,674
Memoranda:
Average total assets$3,995,328,330264
Average earning assets$3,598,137,000263
Average equity$493,104,000239
Average total loans$2,873,790,000257
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4248%2,111
Cost of funding earning assets0.6014%2,048
Net interest margin3.8234%2,323
Noninterest income to average assets0.8389%1,333
Noninterest expense to average assets2.5967%3,340
Loan and lease loss provision to assets0.0573%2,628
Net operating income to assets1.3409%1,509
Return on assets (ROA)1.3418%1,520
Pretax return on assets1.6252%1,317
Return on Equity (ROE)10.7983%2,046
Retained earnings to average equity (ytd only)2.6726%4,111
Net charge-offs to loans0.0684%1,425
Credit loss provision to net charge-offs116.4271%1,407
Earnings coverage of net charge-offs (x)34.1910%1,162
Efficiency ratio59.3821%4,152
Assets per employee ($millions)5.7207%1,745
Cash dividends to net income (ytd only)*75.2502%913
Condition Ratios (%)
Loss allowance to loans0.5763%5,226
Loan loss allowance to noncurrent loans125.1729%3,056
Noncurrent assets plus other real estate owned to assets0.3529%3,435
Noncurrent loans to loans0.4604%3,153
Net loans and leases to total assets71.6941%2,223
Net loans and leases to deposits96.4777%980
Net loans and leases to core deposits106.3913%1,208
Total domestic deposits to total assets74.3116%5,121
Equity capital to assets12.3798%1,563
Core capital (leverage) ratio9.6559%3,900
Tier 1 risk-based capital ratio12.3210%4,362
Total risk-based capital ratio12.8742%4,683
Memoranda:
Average total assets$3,961,414,500262
Average earning assets$3,563,307,500263
Average equity$492,263,500244
Average total loans$2,846,927,000259
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2055%2,670
Cost of funding earning assets0.4450%2,824
Net interest margin3.7605%2,559
Noninterest income to average assets0.9532%1,131
Noninterest expense to average assets2.7626%2,913
Loan and lease loss provision to assets0.0723%2,763
Net operating income to assets1.0174%2,167
Return on assets (ROA)1.0182%2,198
Pretax return on assets1.4809%1,715
Return on Equity (ROE)8.3473%2,629
Retained earnings to average equity (ytd only)2.1088%4,054
Net charge-offs to loans0.0386%3,026
Credit loss provision to net charge-offs270.5367%1,036
Earnings coverage of net charge-offs (x)58.0854%977
Efficiency ratio62.9938%3,777
Assets per employee ($millions)5.6467%1,795
Cash dividends to net income (ytd only)*74.7363%1,020
Condition Ratios (%)
Loss allowance to loans0.5783%5,282
Loan loss allowance to noncurrent loans113.4062%3,306
Noncurrent assets plus other real estate owned to assets0.3849%3,323
Noncurrent loans to loans0.5099%2,986
Net loans and leases to total assets71.2086%2,349
Net loans and leases to deposits97.3856%953
Net loans and leases to core deposits102.3047%1,540
Total domestic deposits to total assets73.1203%5,247
Equity capital to assets12.4732%1,531
Core capital (leverage) ratio9.8934%3,591
Tier 1 risk-based capital ratio12.2941%4,334
Total risk-based capital ratio12.8460%4,680
Memoranda:
Average total assets$3,416,805,000281
Average earning assets$3,054,275,200280
Average equity$416,767,800260
Average total loans$2,365,759,600280
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1707%2,712
Cost of funding earning assets0.4093%3,096
Net interest margin3.7615%2,536
Noninterest income to average assets0.9651%1,104
Noninterest expense to average assets2.7760%2,808
Loan and lease loss provision to assets0.0557%2,975
Net operating income to assets1.0909%2,124
Return on assets (ROA)1.0920%2,178
Pretax return on assets1.4947%1,785
Return on Equity (ROE)9.0142%2,589
Retained earnings to average equity (ytd only)2.6416%4,315
Net charge-offs to loans0.0368%2,702
Credit loss provision to net charge-offs220.6119%1,254
Earnings coverage of net charge-offs (x)61.3832%978
Efficiency ratio63.1535%3,684
Assets per employee ($millions)5.3255%2,091
Cash dividends to net income (ytd only)*70.6950%932
Condition Ratios (%)
Loss allowance to loans0.6415%5,250
Loan loss allowance to noncurrent loans136.5396%2,980
Noncurrent assets plus other real estate owned to assets0.3750%3,525
Noncurrent loans to loans0.4699%3,288
Net loans and leases to total assets68.6764%2,746
Net loans and leases to deposits92.0731%1,558
Net loans and leases to core deposits97.6137%1,915
Total domestic deposits to total assets74.5890%5,174
Equity capital to assets12.0942%1,902
Core capital (leverage) ratio9.9011%3,695
Tier 1 risk-based capital ratio12.3317%4,421
Total risk-based capital ratio12.9270%4,733
Memoranda:
Average total assets$3,281,416,250288
Average earning assets$2,930,916,500289
Average equity$397,526,250269
Average total loans$2,248,427,500288
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1674%2,595
Cost of funding earning assets0.3841%3,247
Net interest margin3.7833%2,349
Noninterest income to average assets0.9825%1,062
Noninterest expense to average assets2.7406%2,956
Loan and lease loss provision to assets0.0412%3,181
Net operating income to assets1.1435%1,808
Return on assets (ROA)1.1449%1,853
Pretax return on assets1.5818%1,400
Return on Equity (ROE)9.4448%2,298
Retained earnings to average equity (ytd only)3.2647%3,776
Net charge-offs to loans0.0430%2,332
Credit loss provision to net charge-offs140.4255%1,591
Earnings coverage of net charge-offs (x)55.2447%1,004
Efficiency ratio61.7815%4,029
Assets per employee ($millions)4.6409%2,877
Cash dividends to net income (ytd only)*65.4343%1,298
Condition Ratios (%)
Loss allowance to loans0.6616%5,279
Loan loss allowance to noncurrent loans143.3737%2,869
Noncurrent assets plus other real estate owned to assets0.3831%3,576
Noncurrent loans to loans0.4614%3,360
Net loans and leases to total assets68.0956%2,805
Net loans and leases to deposits92.7272%1,397
Net loans and leases to core deposits97.6424%1,840
Total domestic deposits to total assets73.4365%5,338
Equity capital to assets11.8693%2,026
Core capital (leverage) ratio9.7682%3,816
Tier 1 risk-based capital ratio12.6874%4,190
Total risk-based capital ratio13.3068%4,474
Memoranda:
Average total assets$3,203,613,000295
Average earning assets$2,861,363,330294
Average equity$388,338,670275
Average total loans$2,188,089,670296
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1146%2,599
Cost of funding earning assets0.3641%3,371
Net interest margin3.7505%2,306
Noninterest income to average assets0.9561%1,088
Noninterest expense to average assets2.7352%3,013
Loan and lease loss provision to assets0.0419%2,964
Net operating income to assets1.1051%1,848
Return on assets (ROA)1.1083%1,874
Pretax return on assets1.5213%1,468
Return on Equity (ROE)9.0438%2,396
Retained earnings to average equity (ytd only)3.8605%3,524
Net charge-offs to loans0.0211%2,360
Credit loss provision to net charge-offs292.0354%803
Earnings coverage of net charge-offs (x)108.5841%500
Efficiency ratio62.6095%4,056
Assets per employee ($millions)4.9284%2,540
Cash dividends to net income (ytd only)*57.3132%1,504
Condition Ratios (%)
Loss allowance to loans0.7006%5,307
Loan loss allowance to noncurrent loans183.9443%2,418
Noncurrent assets plus other real estate owned to assets0.3520%3,796
Noncurrent loans to loans0.3809%3,732
Net loans and leases to total assets67.4352%2,755
Net loans and leases to deposits86.9487%1,920
Net loans and leases to core deposits94.0922%1,981
Total domestic deposits to total assets77.5575%5,033
Equity capital to assets12.2754%1,671
Core capital (leverage) ratio10.1261%3,343
Tier 1 risk-based capital ratio13.2213%3,929
Total risk-based capital ratio13.8731%4,219
Memoranda:
Average total assets$3,148,611,000299
Average earning assets$2,802,217,000300
Average equity$385,856,000275
Average total loans$2,146,407,500304
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0569%2,998
Cost of funding earning assets0.6918%846
Net interest margin3.3651%3,939
Noninterest income to average assets1.2339%747
Noninterest expense to average assets3.0606%2,138
Loan and lease loss provision to assets0.0630%3,120
Net operating income to assets0.8402%3,109
Return on assets (ROA)0.8867%3,011
Pretax return on assets1.1928%2,703
Return on Equity (ROE)7.8934%3,002
Retained earnings to average equity (ytd only)2.1114%4,331
Net charge-offs to loans0.0788%2,560
Credit loss provision to net charge-offs119.6881%2,215
Earnings coverage of net charge-offs (x)22.6764%1,718
Efficiency ratio70.9598%2,756
Assets per employee ($millions)5.2925%2,069
Cash dividends to net income (ytd only)*73.2516%1,170
Condition Ratios (%)
Loss allowance to loans0.6920%5,374
Loan loss allowance to noncurrent loans161.4297%2,658
Noncurrent assets plus other real estate owned to assets0.3952%3,687
Noncurrent loans to loans0.4287%3,604
Net loans and leases to total assets67.9580%2,774
Net loans and leases to deposits85.8282%2,199
Net loans and leases to core deposits91.4227%2,353
Total domestic deposits to total assets79.1790%4,756
Equity capital to assets12.2340%1,667
Core capital (leverage) ratio9.9306%3,591
Tier 1 risk-based capital ratio13.3308%3,879
Total risk-based capital ratio13.9810%4,141
Memoranda:
Average total assets$2,925,284,000301
Average earning assets$2,625,054,400302
Average equity$328,601,600301
Average total loans$1,953,577,200308
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9754%3,309
Cost of funding earning assets0.5366%1,820
Net interest margin3.4388%3,710
Noninterest income to average assets1.2472%746
Noninterest expense to average assets3.0680%2,105
Loan and lease loss provision to assets0.0566%3,111
Net operating income to assets0.8844%2,986
Return on assets (ROA)0.9140%2,966
Pretax return on assets1.2587%2,581
Return on Equity (ROE)8.3396%2,836
Retained earnings to average equity (ytd only)3.2591%3,954
Net charge-offs to loans0.0860%2,104
Credit loss provision to net charge-offs99.1863%2,397
Earnings coverage of net charge-offs (x)22.3506%1,764
Efficiency ratio69.7626%2,921
Assets per employee ($millions)5.8356%1,552
Cash dividends to net income (ytd only)*60.9199%1,397
Condition Ratios (%)
Loss allowance to loans0.6608%5,507
Loan loss allowance to noncurrent loans88.1097%3,875
Noncurrent assets plus other real estate owned to assets0.6113%3,073
Noncurrent loans to loans0.7500%2,795
Net loans and leases to total assets65.9873%3,123
Net loans and leases to deposits93.1851%1,349
Net loans and leases to core deposits98.7404%1,749
Total domestic deposits to total assets70.8132%5,653
Equity capital to assets11.7219%2,324
Core capital (leverage) ratio9.6495%3,996
Tier 1 risk-based capital ratio12.7295%4,325
Total risk-based capital ratio13.3447%4,639
Memoranda:
Average total assets$2,873,313,500305
Average earning assets$2,586,433,000307
Average equity$314,923,750314
Average total loans$1,905,953,250311
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9146%3,560
Cost of funding earning assets0.5305%1,868
Net interest margin3.3841%3,950
Noninterest income to average assets1.2340%745
Noninterest expense to average assets3.0134%2,303
Loan and lease loss provision to assets0.0560%3,024
Net operating income to assets0.8777%2,977
Return on assets (ROA)0.9239%2,886
Pretax return on assets1.2813%2,481
Return on Equity (ROE)8.6733%2,653
Retained earnings to average equity (ytd only)5.2323%2,589
Net charge-offs to loans0.1185%1,648
Credit loss provision to net charge-offs71.2687%2,467
Earnings coverage of net charge-offs (x)16.2006%1,940
Efficiency ratio69.3529%3,085
Assets per employee ($millions)5.1289%2,164
Cash dividends to net income (ytd only)*39.6731%2,441
Condition Ratios (%)
Loss allowance to loans0.7312%5,451
Loan loss allowance to noncurrent loans119.3757%3,348
Noncurrent assets plus other real estate owned to assets0.5281%3,447
Noncurrent loans to loans0.6125%3,234
Net loans and leases to total assets66.2984%3,041
Net loans and leases to deposits92.5122%1,448
Net loans and leases to core deposits101.6736%1,495
Total domestic deposits to total assets71.6645%5,686
Equity capital to assets10.6246%3,503
Core capital (leverage) ratio9.1786%4,627
Tier 1 risk-based capital ratio11.7659%4,999
Total risk-based capital ratio12.4548%5,228
Memoranda:
Average total assets$2,728,163,670317
Average earning assets$2,460,881,000317
Average equity$290,615,330327
Average total loans$1,808,641,670326
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9567%3,376
Cost of funding earning assets0.5467%1,744
Net interest margin3.4100%3,839
Noninterest income to average assets1.1751%795
Noninterest expense to average assets2.9881%2,429
Loan and lease loss provision to assets0.0807%2,338
Net operating income to assets0.8692%2,903
Return on assets (ROA)0.8812%2,969
Pretax return on assets1.1993%2,703
Return on Equity (ROE)8.2599%2,777
Retained earnings to average equity (ytd only)8.2599%1,350
Net charge-offs to loans0.1908%1,025
Credit loss provision to net charge-offs64.0964%1,951
Earnings coverage of net charge-offs (x)10.0313%1,950
Efficiency ratio69.2950%3,250
Assets per employee ($millions)4.8587%2,504
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.8261%5,292
Loan loss allowance to noncurrent loans103.5120%3,554
Noncurrent assets plus other real estate owned to assets0.6697%3,049
Noncurrent loans to loans0.7981%2,840
Net loans and leases to total assets65.1375%3,090
Net loans and leases to deposits90.5854%1,507
Net loans and leases to core deposits98.1760%1,623
Total domestic deposits to total assets71.9073%5,779
Equity capital to assets10.8992%3,046
Core capital (leverage) ratio8.9814%4,881
Tier 1 risk-based capital ratio12.3269%4,709
Total risk-based capital ratio13.0958%4,922
Memoranda:
Average total assets$2,635,640,500323
Average earning assets$2,377,950,500328
Average equity$281,165,000330
Average total loans$1,740,144,000331
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1872%2,600
Cost of funding earning assets0.5600%1,677
Net interest margin3.6272%3,027
Noninterest income to average assets1.2910%725
Noninterest expense to average assets3.1650%2,050
Loan and lease loss provision to assets0.1352%1,762
Net operating income to assets0.9477%2,626
Return on assets (ROA)0.9537%2,676
Pretax return on assets1.2801%2,358
Return on Equity (ROE)9.3160%2,315
Retained earnings to average equity (ytd only)-3.0068%5,821
Net charge-offs to loans0.3259%917
Credit loss provision to net charge-offs61.6494%3,243
Earnings coverage of net charge-offs (x)6.4159%3,230
Efficiency ratio68.2975%3,508
Assets per employee ($millions)4.9395%2,436
Cash dividends to net income (ytd only)*132.2751%202
Condition Ratios (%)
Loss allowance to loans0.8272%5,333
Loan loss allowance to noncurrent loans93.9921%3,820
Noncurrent assets plus other real estate owned to assets0.7052%2,937
Noncurrent loans to loans0.8801%2,594
Net loans and leases to total assets65.8150%3,009
Net loans and leases to deposits91.5657%1,446
Net loans and leases to core deposits96.0147%1,850
Total domestic deposits to total assets71.8773%5,803
Equity capital to assets10.4385%3,440
Core capital (leverage) ratio8.7713%5,142
Tier 1 risk-based capital ratio11.8010%5,068
Total risk-based capital ratio12.5708%5,257
Memoranda:
Average total assets$2,338,364,000338
Average earning assets$2,115,317,400339
Average equity$239,394,600362
Average total loans$1,573,579,400341
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2201%2,513
Cost of funding earning assets0.5720%1,608
Net interest margin3.6481%2,968
Noninterest income to average assets1.3277%689
Noninterest expense to average assets3.2319%1,880
Loan and lease loss provision to assets0.1663%1,271
Net operating income to assets0.9184%2,874
Return on assets (ROA)0.9239%2,927
Pretax return on assets1.2394%2,655
Return on Equity (ROE)9.0761%2,535
Retained earnings to average equity (ytd only)-0.1929%5,637
Net charge-offs to loans0.2752%970
Credit loss provision to net charge-offs89.4386%2,477
Earnings coverage of net charge-offs (x)7.5211%2,903
Efficiency ratio68.8937%3,394
Assets per employee ($millions)4.9557%2,356
Cash dividends to net income (ytd only)*102.1255%353
Condition Ratios (%)
Loss allowance to loans0.9337%5,053
Loan loss allowance to noncurrent loans89.5734%3,913
Noncurrent assets plus other real estate owned to assets0.7430%3,049
Noncurrent loans to loans1.0424%2,392
Net loans and leases to total assets65.9342%3,023
Net loans and leases to deposits89.1276%1,754
Net loans and leases to core deposits96.5671%1,835
Total domestic deposits to total assets73.9773%5,716
Equity capital to assets10.9970%3,034
Core capital (leverage) ratio9.3144%4,567
Tier 1 risk-based capital ratio12.3004%4,888
Total risk-based capital ratio13.1651%5,050
Memoranda:
Average total assets$2,261,056,000351
Average earning assets$2,046,890,500353
Average equity$230,151,000378
Average total loans$1,527,712,250351
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2353%2,409
Cost of funding earning assets0.5637%1,695
Net interest margin3.6715%2,830
Noninterest income to average assets1.3157%706
Noninterest expense to average assets3.0447%2,413
Loan and lease loss provision to assets0.2347%781
Net operating income to assets1.0066%2,359
Return on assets (ROA)1.0151%2,424
Pretax return on assets1.3754%2,083
Return on Equity (ROE)10.3075%1,930
Retained earnings to average equity (ytd only)-1.5130%5,775
Net charge-offs to loans0.3562%736
Credit loss provision to net charge-offs96.9231%2,112
Earnings coverage of net charge-offs (x)6.6015%2,762
Efficiency ratio64.7023%4,242
Assets per employee ($millions)5.0769%2,173
Cash dividends to net income (ytd only)*114.6789%353
Condition Ratios (%)
Loss allowance to loans1.0754%4,462
Loan loss allowance to noncurrent loans83.0182%4,126
Noncurrent assets plus other real estate owned to assets0.9132%2,703
Noncurrent loans to loans1.2954%2,076
Net loans and leases to total assets68.2412%2,609
Net loans and leases to deposits93.8116%1,168
Net loans and leases to core deposits102.0966%1,323
Total domestic deposits to total assets72.7428%5,895
Equity capital to assets9.4627%4,692
Core capital (leverage) ratio8.2371%5,759
Tier 1 risk-based capital ratio10.7582%5,819
Total risk-based capital ratio11.7593%5,861
Memoranda:
Average total assets$2,147,495,330367
Average earning assets$1,946,274,670370
Average equity$211,497,000402
Average total loans$1,459,748,670358
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2057%2,435
Cost of funding earning assets0.5675%1,683
Net interest margin3.6381%2,866
Noninterest income to average assets1.3132%663
Noninterest expense to average assets3.0390%2,456
Loan and lease loss provision to assets0.1162%1,778
Net operating income to assets1.0709%1,970
Return on assets (ROA)1.0883%2,023
Pretax return on assets1.4691%1,665
Return on Equity (ROE)10.8284%1,677
Retained earnings to average equity (ytd only)1.4173%4,916
Net charge-offs to loans0.1349%1,436
Credit loss provision to net charge-offs127.6507%1,388
Earnings coverage of net charge-offs (x)17.1642%1,536
Efficiency ratio65.1207%4,296
Assets per employee ($millions)5.0825%2,253
Cash dividends to net income (ytd only)*86.9112%869
Condition Ratios (%)
Loss allowance to loans1.1334%4,358
Loan loss allowance to noncurrent loans92.3495%3,873
Noncurrent assets plus other real estate owned to assets0.8623%2,926
Noncurrent loans to loans1.2273%2,321
Net loans and leases to total assets67.4901%2,532
Net loans and leases to deposits97.7801%693
Net loans and leases to core deposits103.2762%1,107
Total domestic deposits to total assets69.0223%6,169
Equity capital to assets9.9286%4,227
Core capital (leverage) ratio8.7732%5,233
Tier 1 risk-based capital ratio11.2955%5,662
Total risk-based capital ratio12.3465%5,675
Memoranda:
Average total assets$2,114,478,000371
Average earning assets$1,910,760,000370
Average equity$212,516,000400
Average total loans$1,426,143,000360
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3478%2,421
Cost of funding earning assets0.6399%1,477
Net interest margin3.7080%2,981
Noninterest income to average assets1.2947%725
Noninterest expense to average assets3.1693%2,296
Loan and lease loss provision to assets0.1567%1,675
Net operating income to assets0.9525%2,620
Return on assets (ROA)0.9895%2,512
Pretax return on assets1.3483%2,081
Return on Equity (ROE)9.7540%2,217
Retained earnings to average equity (ytd only)3.4412%3,762
Net charge-offs to loans0.2043%2,031
Credit loss provision to net charge-offs119.9686%2,006
Earnings coverage of net charge-offs (x)11.1369%2,538
Efficiency ratio67.5701%3,968
Assets per employee ($millions)4.8577%2,528
Cash dividends to net income (ytd only)*64.7199%1,524
Condition Ratios (%)
Loss allowance to loans1.1917%4,053
Loan loss allowance to noncurrent loans91.3222%3,931
Noncurrent assets plus other real estate owned to assets0.9194%2,919
Noncurrent loans to loans1.3049%2,265
Net loans and leases to total assets65.8078%2,918
Net loans and leases to deposits91.3366%1,358
Net loans and leases to core deposits96.5056%1,680
Total domestic deposits to total assets72.0498%6,081
Equity capital to assets10.1766%3,887
Core capital (leverage) ratio8.7969%5,247
Tier 1 risk-based capital ratio11.9629%5,386
Total risk-based capital ratio13.0839%5,381
Memoranda:
Average total assets$1,951,897,000376
Average earning assets$1,752,408,400380
Average equity$198,011,200408
Average total loans$1,247,780,400377
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3651%2,368
Cost of funding earning assets0.6557%1,418
Net interest margin3.7094%2,991
Noninterest income to average assets1.2870%736
Noninterest expense to average assets3.2088%2,147
Loan and lease loss provision to assets0.1444%1,734
Net operating income to assets0.9163%2,833
Return on assets (ROA)0.9664%2,681
Pretax return on assets1.3322%2,267
Return on Equity (ROE)9.5343%2,435
Retained earnings to average equity (ytd only)2.6835%4,680
Net charge-offs to loans0.2101%1,790
Credit loss provision to net charge-offs108.7866%2,059
Earnings coverage of net charge-offs (x)10.6051%2,525
Efficiency ratio68.5221%3,760
Assets per employee ($millions)4.8340%2,473
Cash dividends to net income (ytd only)*71.8546%965
Condition Ratios (%)
Loss allowance to loans1.1995%4,224
Loan loss allowance to noncurrent loans115.8340%3,318
Noncurrent assets plus other real estate owned to assets0.7452%3,575
Noncurrent loans to loans1.0356%3,001
Net loans and leases to total assets65.2483%2,991
Net loans and leases to deposits90.9219%1,339
Net loans and leases to core deposits96.0546%1,670
Total domestic deposits to total assets71.7630%6,181
Equity capital to assets10.1780%3,959
Core capital (leverage) ratio8.6271%5,529
Tier 1 risk-based capital ratio12.1261%5,409
Total risk-based capital ratio13.2574%5,396
Memoranda:
Average total assets$1,920,101,750379
Average earning assets$1,723,650,250379
Average equity$194,619,250411
Average total loans$1,213,551,250383
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3383%2,437
Cost of funding earning assets0.6560%1,465
Net interest margin3.6822%3,021
Noninterest income to average assets1.2890%710
Noninterest expense to average assets3.2877%1,951
Loan and lease loss provision to assets0.0361%3,569
Net operating income to assets0.9128%2,742
Return on assets (ROA)0.9128%2,845
Pretax return on assets1.2683%2,376
Return on Equity (ROE)9.0192%2,585
Retained earnings to average equity (ytd only)1.1362%5,302
Net charge-offs to loans0.1148%2,513
Credit loss provision to net charge-offs50.5216%2,788
Earnings coverage of net charge-offs (x)18.2742%1,693
Efficiency ratio70.6155%3,553
Assets per employee ($millions)4.8703%2,377
Cash dividends to net income (ytd only)*87.4024%737
Condition Ratios (%)
Loss allowance to loans1.1785%4,523
Loan loss allowance to noncurrent loans122.0101%3,168
Noncurrent assets plus other real estate owned to assets0.6758%3,967
Noncurrent loans to loans0.9659%3,308
Net loans and leases to total assets63.2904%3,198
Net loans and leases to deposits86.8567%1,729
Net loans and leases to core deposits93.0354%1,856
Total domestic deposits to total assets72.8676%6,195
Equity capital to assets9.9573%4,168
Core capital (leverage) ratio8.7778%5,294
Tier 1 risk-based capital ratio11.4705%5,817
Total risk-based capital ratio12.5281%5,858
Memoranda:
Average total assets$1,880,155,000383
Average earning assets$1,686,528,330380
Average equity$190,283,670413
Average total loans$1,169,005,670394
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1114%3,234
Cost of funding earning assets0.6740%1,413
Net interest margin3.4374%3,948
Noninterest income to average assets1.1804%801
Noninterest expense to average assets3.2781%1,994
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.7559%3,381
Return on assets (ROA)0.7559%3,469
Pretax return on assets0.9905%3,360
Return on Equity (ROE)7.3991%3,255
Retained earnings to average equity (ytd only)-3.5820%6,020
Net charge-offs to loans-0.0404%5,711
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.8068%2,831
Assets per employee ($millions)4.3143%3,313
Cash dividends to net income (ytd only)*148.4120%402
Condition Ratios (%)
Loss allowance to loans1.4557%3,348
Loan loss allowance to noncurrent loans127.3993%3,015
Noncurrent assets plus other real estate owned to assets0.7911%3,764
Noncurrent loans to loans1.1426%3,134
Net loans and leases to total assets60.2989%3,510
Net loans and leases to deposits79.3217%2,390
Net loans and leases to core deposits85.3279%2,388
Total domestic deposits to total assets76.0182%6,076
Equity capital to assets10.1070%3,714
Core capital (leverage) ratio9.1074%4,860
Tier 1 risk-based capital ratio12.8673%5,084
Total risk-based capital ratio14.1182%5,023
Memoranda:
Average total assets$1,782,856,000402
Average earning assets$1,601,792,000402
Average equity$182,131,000426
Average total loans$1,089,118,500422
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6588%1,692
Cost of funding earning assets0.7150%1,711
Net interest margin3.9437%2,124
Noninterest income to average assets1.4240%688
Noninterest expense to average assets3.2727%2,210
Loan and lease loss provision to assets0.1078%2,996
Net operating income to assets1.1444%1,779
Return on assets (ROA)1.1593%1,780
Pretax return on assets1.6240%1,112
Return on Equity (ROE)11.3996%1,635
Retained earnings to average equity (ytd only)7.2581%1,333
Net charge-offs to loans0.3752%1,794
Credit loss provision to net charge-offs45.7361%3,922
Earnings coverage of net charge-offs (x)7.2573%2,881
Efficiency ratio64.8153%4,765
Assets per employee ($millions)4.2878%3,295
Cash dividends to net income (ytd only)*36.3302%2,988
Condition Ratios (%)
Loss allowance to loans1.4916%3,238
Loan loss allowance to noncurrent loans120.9408%3,138
Noncurrent assets plus other real estate owned to assets0.8710%3,712
Noncurrent loans to loans1.2334%3,076
Net loans and leases to total assets60.0747%3,704
Net loans and leases to deposits80.9177%2,332
Net loans and leases to core deposits87.3738%2,306
Total domestic deposits to total assets74.2417%6,263
Equity capital to assets10.3275%3,368
Core capital (leverage) ratio9.1794%4,750
Tier 1 risk-based capital ratio13.4212%4,706
Total risk-based capital ratio14.6724%4,653
Memoranda:
Average total assets$1,780,781,800390
Average earning assets$1,607,313,600391
Average equity$181,094,000423
Average total loans$1,118,766,400395
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7445%1,488
Cost of funding earning assets0.7176%1,826
Net interest margin4.0269%1,853
Noninterest income to average assets1.4809%673
Noninterest expense to average assets3.1924%2,390
Loan and lease loss provision to assets0.2177%1,673
Net operating income to assets1.2030%1,621
Return on assets (ROA)1.2226%1,629
Pretax return on assets1.7375%1,019
Return on Equity (ROE)12.0682%1,456
Retained earnings to average equity (ytd only)8.3846%1,255
Net charge-offs to loans0.3938%1,629
Credit loss provision to net charge-offs87.3615%2,682
Earnings coverage of net charge-offs (x)7.7341%2,744
Efficiency ratio61.5228%5,203
Assets per employee ($millions)4.3441%3,151
Cash dividends to net income (ytd only)*30.5232%2,676
Condition Ratios (%)
Loss allowance to loans1.6434%2,825
Loan loss allowance to noncurrent loans94.8857%3,607
Noncurrent assets plus other real estate owned to assets1.1303%3,392
Noncurrent loans to loans1.7320%2,597
Net loans and leases to total assets59.9722%3,694
Net loans and leases to deposits79.5935%2,466
Net loans and leases to core deposits86.4832%2,351
Total domestic deposits to total assets75.3481%6,242
Equity capital to assets10.2401%3,590
Core capital (leverage) ratio9.0017%5,129
Tier 1 risk-based capital ratio13.1675%5,001
Total risk-based capital ratio14.4206%4,950
Memoranda:
Average total assets$1,786,475,750389
Average earning assets$1,614,318,500390
Average equity$180,978,000425
Average total loans$1,130,431,000390
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8711%1,173
Cost of funding earning assets0.7206%1,920
Net interest margin4.1505%1,407
Noninterest income to average assets1.5592%650
Noninterest expense to average assets3.2069%2,339
Loan and lease loss provision to assets0.3146%1,130
Net operating income to assets1.2477%1,462
Return on assets (ROA)1.2765%1,475
Pretax return on assets1.8340%854
Return on Equity (ROE)12.6465%1,332
Retained earnings to average equity (ytd only)7.1066%1,844
Net charge-offs to loans0.3847%1,680
Credit loss provision to net charge-offs127.6895%1,768
Earnings coverage of net charge-offs (x)8.5533%2,388
Efficiency ratio59.5429%5,538
Assets per employee ($millions)4.4077%2,971
Cash dividends to net income (ytd only)*43.8059%2,113
Condition Ratios (%)
Loss allowance to loans1.6673%2,908
Loan loss allowance to noncurrent loans91.8109%3,655
Noncurrent assets plus other real estate owned to assets1.2103%3,324
Noncurrent loans to loans1.8160%2,619
Net loans and leases to total assets62.3760%3,224
Net loans and leases to deposits84.9749%1,687
Net loans and leases to core deposits94.5407%1,475
Total domestic deposits to total assets73.4052%6,478
Equity capital to assets9.9733%3,953
Core capital (leverage) ratio8.7718%5,324
Tier 1 risk-based capital ratio12.3727%5,590
Total risk-based capital ratio13.6262%5,531
Memoranda:
Average total assets$1,788,268,000385
Average earning assets$1,617,919,000387
Average equity$180,508,670426
Average total loans$1,145,237,000385
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7974%1,293
Cost of funding earning assets0.7227%2,043
Net interest margin4.0746%1,542
Noninterest income to average assets1.5852%615
Noninterest expense to average assets3.0946%2,695
Loan and lease loss provision to assets0.4657%593
Net operating income to assets1.1892%1,556
Return on assets (ROA)1.2459%1,508
Pretax return on assets1.7950%890
Return on Equity (ROE)12.2700%1,356
Retained earnings to average equity (ytd only)6.7678%2,270
Net charge-offs to loans0.2740%1,860
Credit loss provision to net charge-offs264.1318%884
Earnings coverage of net charge-offs (x)12.3549%1,603
Efficiency ratio57.8767%5,864
Assets per employee ($millions)4.2503%3,435
Cash dividends to net income (ytd only)*44.8430%1,714
Condition Ratios (%)
Loss allowance to loans1.7805%2,689
Loan loss allowance to noncurrent loans102.5473%3,287
Noncurrent assets plus other real estate owned to assets1.1973%3,574
Noncurrent loans to loans1.7362%2,947
Net loans and leases to total assets62.2400%3,013
Net loans and leases to deposits81.3533%1,917
Net loans and leases to core deposits91.1792%1,591
Total domestic deposits to total assets76.5058%6,304
Equity capital to assets10.5304%3,511
Core capital (leverage) ratio8.6553%5,385
Tier 1 risk-based capital ratio12.5245%5,562
Total risk-based capital ratio13.7795%5,509
Memoranda:
Average total assets$1,789,833,000391
Average earning assets$1,619,976,000391
Average equity$181,744,000426
Average total loans$1,151,667,000386
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7531%2,387
Cost of funding earning assets0.8108%2,580
Net interest margin3.9423%2,638
Noninterest income to average assets1.6359%593
Noninterest expense to average assets3.1817%2,676
Loan and lease loss provision to assets0.2110%3,036
Net operating income to assets1.2727%1,388
Return on assets (ROA)1.2728%1,537
Pretax return on assets1.8458%841
Return on Equity (ROE)13.1664%1,186
Retained earnings to average equity (ytd only)2.9445%4,154
Net charge-offs to loans0.3844%2,717
Credit loss provision to net charge-offs85.2031%3,662
Earnings coverage of net charge-offs (x)8.3034%2,433
Efficiency ratio60.0793%5,527
Assets per employee ($millions)4.9746%2,256
Cash dividends to net income (ytd only)*77.6361%1,087
Condition Ratios (%)
Loss allowance to loans1.5169%3,675
Loan loss allowance to noncurrent loans91.0087%3,577
Noncurrent assets plus other real estate owned to assets1.2258%3,606
Noncurrent loans to loans1.6667%3,128
Net loans and leases to total assets64.2727%2,850
Net loans and leases to deposits90.8375%994
Net loans and leases to core deposits101.2478%942
Total domestic deposits to total assets70.7557%6,760
Equity capital to assets9.8008%4,447
Core capital (leverage) ratio8.2177%5,979
Tier 1 risk-based capital ratio11.1683%6,284
Total risk-based capital ratio12.4202%6,249
Memoranda:
Average total assets$1,669,817,400410
Average earning assets$1,525,882,800404
Average equity$161,418,000465
Average total loans$1,076,029,800397
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6608%2,964
Cost of funding earning assets0.8448%2,587
Net interest margin3.8159%3,262
Noninterest income to average assets1.5915%589
Noninterest expense to average assets3.0774%2,957
Loan and lease loss provision to assets0.1483%3,680
Net operating income to assets1.2817%1,488
Return on assets (ROA)1.2817%1,634
Pretax return on assets1.8616%940
Return on Equity (ROE)13.3106%1,268
Retained earnings to average equity (ytd only)5.6457%2,928
Net charge-offs to loans0.2712%3,101
Credit loss provision to net charge-offs85.2096%3,457
Earnings coverage of net charge-offs (x)11.5450%2,070
Efficiency ratio59.9610%5,507
Assets per employee ($millions)4.6815%2,627
Cash dividends to net income (ytd only)*57.5852%1,370
Condition Ratios (%)
Loss allowance to loans1.5827%3,592
Loan loss allowance to noncurrent loans87.5230%3,602
Noncurrent assets plus other real estate owned to assets1.2892%3,717
Noncurrent loans to loans1.8083%3,068
Net loans and leases to total assets62.5987%3,281
Net loans and leases to deposits87.8424%1,371
Net loans and leases to core deposits98.2849%1,243
Total domestic deposits to total assets71.2625%6,778
Equity capital to assets9.9791%4,521
Core capital (leverage) ratio8.5657%5,670
Tier 1 risk-based capital ratio11.5795%6,181
Total risk-based capital ratio12.8321%6,157
Memoranda:
Average total assets$1,625,881,750415
Average earning assets$1,489,479,000407
Average equity$156,552,500474
Average total loans$1,043,922,000411
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6740%3,028
Cost of funding earning assets0.8694%2,663
Net interest margin3.8046%3,335
Noninterest income to average assets1.5064%643
Noninterest expense to average assets2.9512%3,439
Loan and lease loss provision to assets0.0989%4,295
Net operating income to assets1.3325%1,354
Return on assets (ROA)1.3325%1,508
Pretax return on assets1.9521%754
Return on Equity (ROE)14.0412%1,107
Retained earnings to average equity (ytd only)3.8635%4,044
Net charge-offs to loans0.2550%3,050
Credit loss provision to net charge-offs60.1881%3,789
Earnings coverage of net charge-offs (x)12.4812%1,873
Efficiency ratio58.4316%5,812
Assets per employee ($millions)4.5862%2,744
Cash dividends to net income (ytd only)*72.4848%1,009
Condition Ratios (%)
Loss allowance to loans1.8256%2,767
Loan loss allowance to noncurrent loans103.6615%3,108
Noncurrent assets plus other real estate owned to assets1.1990%4,014
Noncurrent loans to loans1.7612%3,259
Net loans and leases to total assets63.1804%3,202
Net loans and leases to deposits93.2328%836
Net loans and leases to core deposits106.3964%725
Total domestic deposits to total assets67.7663%7,004
Equity capital to assets9.6122%4,897
Core capital (leverage) ratio8.7419%5,312
Tier 1 risk-based capital ratio12.0138%5,923
Total risk-based capital ratio13.2693%5,896
Memoranda:
Average total assets$1,553,003,330436
Average earning assets$1,426,944,000426
Average equity$147,381,000489
Average total loans$1,000,825,670420
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7315%2,923
Cost of funding earning assets0.8880%2,776
Net interest margin3.8435%3,167
Noninterest income to average assets1.3291%808
Noninterest expense to average assets2.8380%3,870
Loan and lease loss provision to assets0.1445%3,557
Net operating income to assets1.2939%1,472
Return on assets (ROA)1.2939%1,645
Pretax return on assets1.8793%919
Return on Equity (ROE)13.7236%1,245
Retained earnings to average equity (ytd only)-2.7250%6,367
Net charge-offs to loans0.0116%4,547
Credit loss provision to net charge-offs1,927.5862%174
Earnings coverage of net charge-offs (x)270.0000%126
Efficiency ratio57.7884%5,944
Assets per employee ($millions)4.7931%2,521
Cash dividends to net income (ytd only)*119.8562%423
Condition Ratios (%)
Loss allowance to loans1.9436%2,541
Loan loss allowance to noncurrent loans106.8648%2,891
Noncurrent assets plus other real estate owned to assets1.2252%4,089
Noncurrent loans to loans1.8188%3,382
Net loans and leases to total assets63.2576%2,990
Net loans and leases to deposits90.8531%887
Net loans and leases to core deposits105.5012%694
Total domestic deposits to total assets69.6262%6,999
Equity capital to assets9.4107%4,941
Core capital (leverage) ratio8.5271%5,552
Tier 1 risk-based capital ratio11.8245%6,066
Total risk-based capital ratio13.0815%6,047
Memoranda:
Average total assets$1,547,565,000436
Average earning assets$1,422,458,000427
Average equity$145,909,500489
Average total loans$998,019,000419
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8853%3,426
Cost of funding earning assets1.1100%2,606
Net interest margin3.7753%3,948
Noninterest income to average assets1.2803%784
Noninterest expense to average assets3.1464%3,039
Loan and lease loss provision to assets0.3654%2,803
Net operating income to assets0.8988%2,607
Return on assets (ROA)0.9885%2,387
Pretax return on assets1.3458%1,963
Return on Equity (ROE)10.2017%1,991
Retained earnings to average equity (ytd only)3.0617%4,050
Net charge-offs to loans0.6078%2,626
Credit loss provision to net charge-offs96.6691%3,727
Earnings coverage of net charge-offs (x)4.2015%3,224
Efficiency ratio65.7982%4,813
Assets per employee ($millions)4.8954%2,326
Cash dividends to net income (ytd only)*69.9888%1,141
Condition Ratios (%)
Loss allowance to loans1.8933%2,584
Loan loss allowance to noncurrent loans113.6922%2,728
Noncurrent assets plus other real estate owned to assets1.2546%4,136
Noncurrent loans to loans1.6653%3,665
Net loans and leases to total assets63.2472%3,342
Net loans and leases to deposits96.0981%665
Net loans and leases to core deposits128.1156%259
Total domestic deposits to total assets65.8152%7,136
Equity capital to assets9.4460%4,973
Core capital (leverage) ratio8.5037%5,556
Tier 1 risk-based capital ratio11.8622%5,926
Total risk-based capital ratio13.1186%5,903
Memoranda:
Average total assets$1,445,375,400463
Average earning assets$1,322,531,800454
Average equity$140,054,800495
Average total loans$899,052,800467
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8428%3,820
Cost of funding earning assets1.1575%2,584
Net interest margin3.6852%4,403
Noninterest income to average assets1.2703%799
Noninterest expense to average assets3.0581%3,323
Loan and lease loss provision to assets0.4173%2,378
Net operating income to assets0.8545%2,920
Return on assets (ROA)0.9747%2,581
Pretax return on assets1.3286%2,187
Return on Equity (ROE)9.9908%2,204
Retained earnings to average equity (ytd only)1.8103%5,231
Net charge-offs to loans0.6705%2,235
Credit loss provision to net charge-offs101.0459%3,324
Earnings coverage of net charge-offs (x)3.8290%3,281
Efficiency ratio65.2331%4,859
Assets per employee ($millions)4.7295%2,584
Cash dividends to net income (ytd only)*81.8803%574
Condition Ratios (%)
Loss allowance to loans2.0370%2,237
Loan loss allowance to noncurrent loans97.4254%3,021
Noncurrent assets plus other real estate owned to assets1.5559%3,759
Noncurrent loans to loans2.0908%3,256
Net loans and leases to total assets61.6879%3,801
Net loans and leases to deposits92.1117%1,001
Net loans and leases to core deposits114.5874%539
Total domestic deposits to total assets66.9708%7,171
Equity capital to assets9.6520%4,853
Core capital (leverage) ratio8.8877%5,129
Tier 1 risk-based capital ratio12.3262%5,645
Total risk-based capital ratio13.5842%5,622
Memoranda:
Average total assets$1,419,982,250474
Average earning assets$1,298,124,500468
Average equity$138,537,500507
Average total loans$874,495,250481
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8806%3,704
Cost of funding earning assets1.2081%2,524
Net interest margin3.6725%4,394
Noninterest income to average assets1.1613%945
Noninterest expense to average assets2.9323%3,892
Loan and lease loss provision to assets0.4124%2,370
Net operating income to assets0.8712%2,763
Return on assets (ROA)0.9389%2,579
Pretax return on assets1.2634%2,258
Return on Equity (ROE)9.5873%2,277
Retained earnings to average equity (ytd only)3.0076%4,364
Net charge-offs to loans0.7871%1,930
Credit loss provision to net charge-offs85.7653%3,593
Earnings coverage of net charge-offs (x)3.2948%3,223
Efficiency ratio64.2065%5,202
Assets per employee ($millions)4.4280%2,954
Cash dividends to net income (ytd only)*68.6289%1,072
Condition Ratios (%)
Loss allowance to loans2.2031%1,916
Loan loss allowance to noncurrent loans113.3431%2,557
Noncurrent assets plus other real estate owned to assets1.4507%4,040
Noncurrent loans to loans1.9438%3,550
Net loans and leases to total assets58.4082%4,560
Net loans and leases to deposits80.0403%2,790
Net loans and leases to core deposits101.7774%1,191
Total domestic deposits to total assets72.9735%6,926
Equity capital to assets9.9998%4,151
Core capital (leverage) ratio9.0262%4,679
Tier 1 risk-based capital ratio13.6204%4,438
Total risk-based capital ratio14.8802%4,413
Memoranda:
Average total assets$1,396,708,000486
Average earning assets$1,276,070,330480
Average equity$136,784,670512
Average total loans$853,280,330502
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8638%3,754
Cost of funding earning assets1.2335%2,607
Net interest margin3.6303%4,429
Noninterest income to average assets1.1538%979
Noninterest expense to average assets2.9168%3,993
Loan and lease loss provision to assets0.4459%1,979
Net operating income to assets0.8322%2,872
Return on assets (ROA)0.8914%2,669
Pretax return on assets1.1869%2,428
Return on Equity (ROE)9.2009%2,385
Retained earnings to average equity (ytd only)-1.2040%6,027
Net charge-offs to loans0.7095%1,797
Credit loss provision to net charge-offs101.7083%2,601
Earnings coverage of net charge-offs (x)3.5447%2,711
Efficiency ratio64.5149%5,274
Assets per employee ($millions)4.4370%3,003
Cash dividends to net income (ytd only)*113.0856%502
Condition Ratios (%)
Loss allowance to loans2.3437%1,695
Loan loss allowance to noncurrent loans108.9177%2,662
Noncurrent assets plus other real estate owned to assets1.4355%4,115
Noncurrent loans to loans2.1518%3,382
Net loans and leases to total assets57.6436%4,700
Net loans and leases to deposits78.6541%2,950
Net loans and leases to core deposits100.7019%1,280
Total domestic deposits to total assets73.2874%6,974
Equity capital to assets9.7877%4,048
Core capital (leverage) ratio8.8075%4,917
Tier 1 risk-based capital ratio13.7873%4,221
Total risk-based capital ratio15.0486%4,193
Memoranda:
Average total assets$1,388,802,500495
Average earning assets$1,268,873,500490
Average equity$134,552,500515
Average total loans$858,114,000510
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3323%2,970
Cost of funding earning assets1.4938%2,685
Net interest margin3.8385%3,782
Noninterest income to average assets1.3653%789
Noninterest expense to average assets2.9832%3,913
Loan and lease loss provision to assets0.8227%1,993
Net operating income to assets0.8085%2,760
Return on assets (ROA)0.8373%2,786
Pretax return on assets1.1078%2,548
Return on Equity (ROE)8.8750%2,350
Retained earnings to average equity (ytd only)5.1013%2,357
Net charge-offs to loans0.9402%2,300
Credit loss provision to net charge-offs135.8495%2,844
Earnings coverage of net charge-offs (x)3.1250%3,510
Efficiency ratio60.6146%5,950
Assets per employee ($millions)4.5087%2,853
Cash dividends to net income (ytd only)*42.5206%2,466
Condition Ratios (%)
Loss allowance to loans2.1142%2,036
Loan loss allowance to noncurrent loans103.8231%2,797
Noncurrent assets plus other real estate owned to assets1.5043%4,058
Noncurrent loans to loans2.0364%3,507
Net loans and leases to total assets63.1500%4,039
Net loans and leases to deposits88.8766%1,667
Net loans and leases to core deposits112.1925%804
Total domestic deposits to total assets71.0536%7,166
Equity capital to assets9.5903%4,285
Core capital (leverage) ratio8.5994%5,195
Tier 1 risk-based capital ratio12.6958%4,867
Total risk-based capital ratio13.9550%4,835
Memoranda:
Average total assets$1,404,339,200480
Average earning assets$1,284,340,800475
Average equity$132,496,000514
Average total loans$904,561,600497
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2686%3,493
Cost of funding earning assets1.5600%2,607
Net interest margin3.7086%4,362
Noninterest income to average assets1.3603%730
Noninterest expense to average assets2.9043%4,074
Loan and lease loss provision to assets0.8430%1,801
Net operating income to assets0.7688%3,140
Return on assets (ROA)0.8029%3,141
Pretax return on assets1.0489%3,000
Return on Equity (ROE)8.5452%2,673
Retained earnings to average equity (ytd only)6.0221%2,342
Net charge-offs to loans1.0126%1,987
Credit loss provision to net charge-offs129.3091%3,134
Earnings coverage of net charge-offs (x)2.8340%3,716
Efficiency ratio60.5675%5,860
Assets per employee ($millions)4.8735%2,365
Cash dividends to net income (ytd only)*29.5264%2,567
Condition Ratios (%)
Loss allowance to loans1.8487%2,632
Loan loss allowance to noncurrent loans97.3700%2,849
Noncurrent assets plus other real estate owned to assets1.5221%4,165
Noncurrent loans to loans1.8986%3,803
Net loans and leases to total assets64.6127%3,991
Net loans and leases to deposits94.5687%1,144
Net loans and leases to core deposits125.5134%462
Total domestic deposits to total assets68.3235%7,361
Equity capital to assets9.3358%5,073
Core capital (leverage) ratio8.5279%5,458
Tier 1 risk-based capital ratio11.6867%5,742
Total risk-based capital ratio12.9428%5,712
Memoranda:
Average total assets$1,406,000,000473
Average earning assets$1,285,841,250467
Average equity$132,109,250508
Average total loans$905,274,750496
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2215%3,842
Cost of funding earning assets1.6250%2,514
Net interest margin3.5965%4,828
Noninterest income to average assets1.3037%749
Noninterest expense to average assets2.8330%4,349
Loan and lease loss provision to assets0.9028%1,617
Net operating income to assets0.6768%3,501
Return on assets (ROA)0.6918%3,592
Pretax return on assets0.8728%3,609
Return on Equity (ROE)7.3454%3,167
Retained earnings to average equity (ytd only)5.8074%2,442
Net charge-offs to loans1.2937%1,472
Credit loss provision to net charge-offs109.2550%3,737
Earnings coverage of net charge-offs (x)2.1259%3,958
Efficiency ratio61.2144%5,817
Assets per employee ($millions)4.5660%2,768
Cash dividends to net income (ytd only)*20.9380%2,865
Condition Ratios (%)
Loss allowance to loans1.7680%2,823
Loan loss allowance to noncurrent loans93.8557%2,924
Noncurrent assets plus other real estate owned to assets1.3968%4,381
Noncurrent loans to loans1.8838%3,884
Net loans and leases to total assets62.9060%4,486
Net loans and leases to deposits88.7857%2,037
Net loans and leases to core deposits115.4991%862
Total domestic deposits to total assets70.8515%7,273
Equity capital to assets9.1759%5,175
Core capital (leverage) ratio8.9223%4,721
Tier 1 risk-based capital ratio11.8947%5,407
Total risk-based capital ratio13.1498%5,376
Memoranda:
Average total assets$1,380,817,330482
Average earning assets$1,261,556,330475
Average equity$130,041,000511
Average total loans$881,933,670508
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2687%3,692
Cost of funding earning assets1.7004%2,389
Net interest margin3.5683%4,863
Noninterest income to average assets1.2692%758
Noninterest expense to average assets2.8353%4,342
Loan and lease loss provision to assets0.9646%1,305
Net operating income to assets0.5890%3,941
Return on assets (ROA)0.5890%4,086
Pretax return on assets0.7289%4,129
Return on Equity (ROE)6.1675%3,786
Retained earnings to average equity (ytd only)6.1675%2,538
Net charge-offs to loans1.4633%1,180
Credit loss provision to net charge-offs103.3568%3,309
Earnings coverage of net charge-offs (x)1.8146%3,649
Efficiency ratio62.1187%5,810
Assets per employee ($millions)4.5375%2,890
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.9704%2,261
Loan loss allowance to noncurrent loans106.0108%2,614
Noncurrent assets plus other real estate owned to assets1.3316%4,524
Noncurrent loans to loans1.8587%3,981
Net loans and leases to total assets61.7987%4,801
Net loans and leases to deposits90.5933%1,819
Net loans and leases to core deposits121.2089%737
Total domestic deposits to total assets68.2155%7,516
Equity capital to assets9.9523%3,929
Core capital (leverage) ratio8.8340%4,813
Tier 1 risk-based capital ratio12.9642%4,359
Total risk-based capital ratio14.2210%4,333
Memoranda:
Average total assets$1,340,663,000509
Average earning assets$1,224,669,000506
Average equity$128,026,000526
Average total loans$855,061,000538
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8606%2,406
Cost of funding earning assets2.1315%2,322
Net interest margin3.7291%4,006
Noninterest income to average assets1.2640%945
Noninterest expense to average assets2.7361%5,216
Loan and lease loss provision to assets1.0002%2,273
Net operating income to assets0.7240%2,838
Return on assets (ROA)0.7696%2,731
Pretax return on assets0.9857%2,639
Return on Equity (ROE)8.2400%2,277
Retained earnings to average equity (ytd only)2.1389%3,607
Net charge-offs to loans0.9978%2,417
Credit loss provision to net charge-offs151.1780%3,050
Earnings coverage of net charge-offs (x)2.9133%3,625
Efficiency ratio58.1878%6,735
Assets per employee ($millions)4.8377%2,428
Cash dividends to net income (ytd only)*74.0422%1,392
Condition Ratios (%)
Loss allowance to loans1.7954%2,558
Loan loss allowance to noncurrent loans91.7502%3,050
Noncurrent assets plus other real estate owned to assets1.3866%4,339
Noncurrent loans to loans1.9568%3,722
Net loans and leases to total assets63.3137%4,750
Net loans and leases to deposits91.0468%2,038
Net loans and leases to core deposits112.9000%2,608
Total domestic deposits to total assets69.5398%7,459
Equity capital to assets9.1716%4,885
Core capital (leverage) ratio8.6423%5,028
Tier 1 risk-based capital ratio11.8483%5,076
Total risk-based capital ratio13.1035%5,035
Memoranda:
Average total assets$1,359,988,600500
Average earning assets$1,239,818,200494
Average equity$127,026,400523
Average total loans$901,770,000527
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9579%2,204
Cost of funding earning assets2.2168%2,328
Net interest margin3.7411%3,904
Noninterest income to average assets1.3337%865
Noninterest expense to average assets2.7419%5,140
Loan and lease loss provision to assets0.9751%1,971
Net operating income to assets0.7865%2,871
Return on assets (ROA)0.7865%2,933
Pretax return on assets1.0177%2,849
Return on Equity (ROE)8.3823%2,492
Retained earnings to average equity (ytd only)2.8731%3,723
Net charge-offs to loans1.0895%1,829
Credit loss provision to net charge-offs134.0235%3,717
Earnings coverage of net charge-offs (x)2.7391%3,857
Efficiency ratio57.4316%6,800
Assets per employee ($millions)4.7115%2,539
Cash dividends to net income (ytd only)*65.7236%1,407
Condition Ratios (%)
Loss allowance to loans1.5790%3,079
Loan loss allowance to noncurrent loans81.0336%3,371
Noncurrent assets plus other real estate owned to assets1.4291%4,243
Noncurrent loans to loans1.9486%3,706
Net loans and leases to total assets65.7893%4,468
Net loans and leases to deposits99.9261%1,108
Net loans and leases to core deposits133.0766%1,263
Total domestic deposits to total assets65.8380%7,693
Equity capital to assets9.7164%4,477
Core capital (leverage) ratio8.7874%4,996
Tier 1 risk-based capital ratio12.0375%4,937
Total risk-based capital ratio13.2901%4,877
Memoranda:
Average total assets$1,354,087,250515
Average earning assets$1,230,983,750511
Average equity$127,058,500534
Average total loans$904,207,500542
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0905%1,821
Cost of funding earning assets2.2807%2,446
Net interest margin3.8098%3,515
Noninterest income to average assets1.3234%876
Noninterest expense to average assets2.7949%4,981
Loan and lease loss provision to assets0.9528%1,775
Net operating income to assets0.7867%2,903
Return on assets (ROA)0.7867%2,997
Pretax return on assets1.0230%2,916
Return on Equity (ROE)8.7314%2,456
Retained earnings to average equity (ytd only)5.8785%2,077
Net charge-offs to loans1.1513%1,585
Credit loss provision to net charge-offs123.6090%3,762
Earnings coverage of net charge-offs (x)2.5633%3,785
Efficiency ratio58.1109%6,851
Assets per employee ($millions)4.6406%2,539
Cash dividends to net income (ytd only)*32.6736%2,737
Condition Ratios (%)
Loss allowance to loans1.3973%3,738
Loan loss allowance to noncurrent loans91.2297%3,144
Noncurrent assets plus other real estate owned to assets1.1988%4,542
Noncurrent loans to loans1.5317%4,200
Net loans and leases to total assets66.5530%4,449
Net loans and leases to deposits104.4065%882
Net loans and leases to core deposits134.7395%1,274
Total domestic deposits to total assets63.7442%7,842
Equity capital to assets9.2517%4,937
Core capital (leverage) ratio8.2154%5,959
Tier 1 risk-based capital ratio11.9343%4,975
Total risk-based capital ratio13.1851%4,890
Memoranda:
Average total assets$1,361,678,330522
Average earning assets$1,232,149,670523
Average equity$122,684,000558
Average total loans$911,667,330548
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0736%2,050
Cost of funding earning assets2.2321%3,004
Net interest margin3.8414%3,291
Noninterest income to average assets1.3103%832
Noninterest expense to average assets2.6975%5,019
Loan and lease loss provision to assets0.9321%1,394
Net operating income to assets0.8633%2,869
Return on assets (ROA)0.8633%3,019
Pretax return on assets1.1242%2,895
Return on Equity (ROE)9.7093%2,437
Retained earnings to average equity (ytd only)9.7093%1,273
Net charge-offs to loans1.3195%1,063
Credit loss provision to net charge-offs105.9311%3,592
Earnings coverage of net charge-offs (x)2.3370%3,564
Efficiency ratio56.2711%6,933
Assets per employee ($millions)5.1966%1,846
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2304%4,587
Loan loss allowance to noncurrent loans110.7088%2,796
Noncurrent assets plus other real estate owned to assets0.9003%4,932
Noncurrent loans to loans1.1114%4,758
Net loans and leases to total assets64.6258%4,882
Net loans and leases to deposits94.5609%2,178
Net loans and leases to core deposits122.0028%2,256
Total domestic deposits to total assets68.3431%7,571
Equity capital to assets8.6179%5,889
Core capital (leverage) ratio8.5141%5,503
Tier 1 risk-based capital ratio11.4450%5,465
Total risk-based capital ratio12.6076%5,448
Memoranda:
Average total assets$1,371,944,000524
Average earning assets$1,229,850,000528
Average equity$121,986,500562
Average total loans$914,889,500551
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2297%4,356
Cost of funding earning assets2.7592%2,878
Net interest margin3.4705%5,400
Noninterest income to average assets1.1119%1,266
Noninterest expense to average assets2.5923%5,681
Loan and lease loss provision to assets0.6111%2,382
Net operating income to assets0.8408%3,263
Return on assets (ROA)0.8398%3,105
Pretax return on assets1.0662%3,155
Return on Equity (ROE)10.3091%2,155
Retained earnings to average equity (ytd only)4.1633%2,538
Net charge-offs to loans0.6834%1,798
Credit loss provision to net charge-offs127.2147%4,194
Earnings coverage of net charge-offs (x)3.4942%4,340
Efficiency ratio60.0983%6,324
Assets per employee ($millions)4.8491%2,115
Cash dividends to net income (ytd only)*59.6154%2,680
Condition Ratios (%)
Loss allowance to loans1.2850%3,893
Loan loss allowance to noncurrent loans130.8036%2,779
Noncurrent assets plus other real estate owned to assets0.8812%4,648
Noncurrent loans to loans0.9824%4,630
Net loans and leases to total assets67.1955%4,601
Net loans and leases to deposits103.4117%1,411
Net loans and leases to core deposits124.7154%2,270
Total domestic deposits to total assets64.9787%7,725
Equity capital to assets9.1934%5,091
Core capital (leverage) ratio9.4387%4,103
Tier 1 risk-based capital ratio11.8869%4,911
Total risk-based capital ratio13.1073%4,837
Memoranda:
Average total assets$1,238,376,200546
Average earning assets$1,127,244,800542
Average equity$100,882,200661
Average total loans$870,496,800563