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Huntington Federal Savings Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7963%4,210
Cost of funding earning assets0.6467%427
Net interest margin2.1497%4,514
Noninterest income to average assets0.0635%4,695
Noninterest expense to average assets1.8748%3,985
Loan and lease loss provision to assets0.0180%2,711
Net operating income to assets0.1718%4,562
Return on assets (ROA)0.1718%4,575
Pretax return on assets0.2354%4,539
Return on Equity (ROE)1.0682%4,604
Retained earnings to average equity (ytd only)1.0682%4,243
Net charge-offs to loans0.0162%1,980
Credit loss provision to net charge-offs250.0000%1,169
Earnings coverage of net charge-offs (x)35.2250%1,503
Efficiency ratio88.0916%384
Assets per employee ($millions)5.6314%3,136
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.7422%4,361
Loan loss allowance to noncurrent loans167.0796%2,841
Noncurrent assets plus other real estate owned to assets0.2127%2,500
Noncurrent loans to loans0.4442%2,024
Net loans and leases to total assets45.2919%3,743
Net loans and leases to deposits55.5909%3,460
Net loans and leases to core deposits60.0699%3,307
Total domestic deposits to total assets81.4737%4,043
Equity capital to assets16.1450%367
Core capital (leverage) ratio16.6484%312
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$555,961,0001,556
Average earning assets$533,982,8001,507
Average equity$89,405,8001,109
Average total loans$246,372,0001,954
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8273%4,264
Cost of funding earning assets0.6698%452
Net interest margin2.1575%4,594
Noninterest income to average assets0.0689%4,757
Noninterest expense to average assets1.7898%4,190
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.2707%4,557
Return on assets (ROA)0.2707%4,579
Pretax return on assets0.3530%4,547
Return on Equity (ROE)1.6850%4,631
Retained earnings to average equity (ytd only)1.6850%4,276
Net charge-offs to loans0.0224%1,601
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)35.8780%1,439
Efficiency ratio83.5256%545
Assets per employee ($millions)5.6271%3,065
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.7020%4,499
Loan loss allowance to noncurrent loans134.5893%3,055
Noncurrent assets plus other real estate owned to assets0.2628%2,458
Noncurrent loans to loans0.5216%1,996
Net loans and leases to total assets45.3509%3,842
Net loans and leases to deposits55.6745%3,610
Net loans and leases to core deposits60.1642%3,461
Total domestic deposits to total assets81.4573%4,020
Equity capital to assets16.1108%405
Core capital (leverage) ratio16.5667%348
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$555,573,7501,568
Average earning assets$534,058,2501,521
Average equity$89,254,7501,122
Average total loans$244,366,2501,988
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8559%4,277
Cost of funding earning assets0.6958%478
Net interest margin2.1601%4,624
Noninterest income to average assets0.0822%4,752
Noninterest expense to average assets1.7209%4,333
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.3174%4,507
Return on assets (ROA)0.3174%4,530
Pretax return on assets0.4385%4,464
Return on Equity (ROE)1.9778%4,597
Retained earnings to average equity (ytd only)1.9778%4,116
Net charge-offs to loans0.0349%1,300
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)28.9762%1,328
Efficiency ratio79.6930%806
Assets per employee ($millions)5.6626%2,948
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.7126%4,518
Loan loss allowance to noncurrent loans121.4966%3,132
Noncurrent assets plus other real estate owned to assets0.2950%2,445
Noncurrent loans to loans0.5865%1,935
Net loans and leases to total assets44.3920%4,017
Net loans and leases to deposits54.3853%3,832
Net loans and leases to core deposits58.8242%3,700
Total domestic deposits to total assets81.6251%3,989
Equity capital to assets15.9659%417
Core capital (leverage) ratio16.4734%340
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$555,069,3331,561
Average earning assets$533,764,6671,520
Average equity$89,089,3331,113
Average total loans$241,011,6672,023
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8654%4,295
Cost of funding earning assets0.7370%474
Net interest margin2.1284%4,662
Noninterest income to average assets0.1282%4,558
Noninterest expense to average assets1.7077%4,361
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.3759%4,402
Return on assets (ROA)0.3759%4,431
Pretax return on assets0.4722%4,390
Return on Equity (ROE)2.3357%4,569
Retained earnings to average equity (ytd only)2.3357%3,944
Net charge-offs to loans-0.0017%3,101
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.3389%931
Assets per employee ($millions)5.6858%2,931
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.7601%4,474
Loan loss allowance to noncurrent loans159.5113%2,700
Noncurrent assets plus other real estate owned to assets0.2834%2,732
Noncurrent loans to loans0.4765%2,416
Net loans and leases to total assets43.2725%4,159
Net loans and leases to deposits52.0268%4,043
Net loans and leases to core deposits56.2371%3,957
Total domestic deposits to total assets83.1734%3,647
Equity capital to assets16.1626%373
Core capital (leverage) ratio16.6837%334
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$552,306,0001,555
Average earning assets$532,412,5001,509
Average equity$88,882,0001,105
Average total loans$236,194,5002,055
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1399%4,519
Cost of funding earning assets1.1126%380
Net interest margin2.0273%4,818
Noninterest income to average assets0.0387%4,880
Noninterest expense to average assets1.7813%4,499
Loan and lease loss provision to assets-0.0182%4,912
Net operating income to assets0.1787%4,602
Return on assets (ROA)0.1787%4,656
Pretax return on assets0.2361%4,623
Return on Equity (ROE)1.1056%4,670
Retained earnings to average equity (ytd only)1.1056%4,187
Net charge-offs to loans-0.1674%4,875
Credit loss provision to net charge-offs26.4550%3,228
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio89.1017%405
Assets per employee ($millions)5.5867%2,758
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.7878%4,449
Loan loss allowance to noncurrent loans153.5294%2,774
Noncurrent assets plus other real estate owned to assets0.3010%2,796
Noncurrent loans to loans0.5131%2,438
Net loans and leases to total assets41.5984%4,373
Net loans and leases to deposits49.9135%4,320
Net loans and leases to core deposits53.8873%4,259
Total domestic deposits to total assets83.3409%3,316
Equity capital to assets16.0234%425
Core capital (leverage) ratio16.5508%343
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$548,468,6001,433
Average earning assets$530,401,8001,392
Average equity$88,637,2001,070
Average total loans$225,760,2002,065
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1934%4,597
Cost of funding earning assets1.1854%390
Net interest margin2.0081%4,884
Noninterest income to average assets0.0421%4,904
Noninterest expense to average assets1.7140%4,608
Loan and lease loss provision to assets-0.0243%4,973
Net operating income to assets0.2251%4,553
Return on assets (ROA)0.2251%4,595
Pretax return on assets0.2974%4,552
Return on Equity (ROE)1.3898%4,641
Retained earnings to average equity (ytd only)1.3898%4,119
Net charge-offs to loans-0.2295%4,938
Credit loss provision to net charge-offs25.9067%2,963
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.2572%489
Assets per employee ($millions)5.6340%2,593
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.8129%4,335
Loan loss allowance to noncurrent loans169.3727%2,478
Noncurrent assets plus other real estate owned to assets0.2822%3,037
Noncurrent loans to loans0.4800%2,623
Net loans and leases to total assets40.5716%4,546
Net loans and leases to deposits48.6626%4,529
Net loans and leases to core deposits52.7651%4,494
Total domestic deposits to total assets83.3733%3,034
Equity capital to assets16.1270%458
Core capital (leverage) ratio16.5759%372
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$547,314,2501,426
Average earning assets$530,115,7501,377
Average equity$88,640,7501,058
Average total loans$224,224,7502,075
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2517%4,681
Cost of funding earning assets1.2363%455
Net interest margin2.0154%4,943
Noninterest income to average assets0.0337%4,947
Noninterest expense to average assets1.6701%4,712
Loan and lease loss provision to assets-0.0366%5,014
Net operating income to assets0.2727%4,466
Return on assets (ROA)0.2727%4,505
Pretax return on assets0.3522%4,468
Return on Equity (ROE)1.6812%4,591
Retained earnings to average equity (ytd only)1.6812%3,878
Net charge-offs to loans-0.3523%4,985
Credit loss provision to net charge-offs25.3807%2,718
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.1085%631
Assets per employee ($millions)5.6168%2,527
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.8292%4,262
Loan loss allowance to noncurrent loans139.1698%2,712
Noncurrent assets plus other real estate owned to assets0.3292%2,989
Noncurrent loans to loans0.5958%2,365
Net loans and leases to total assets40.0638%4,602
Net loans and leases to deposits48.0751%4,592
Net loans and leases to core deposits52.2419%4,553
Total domestic deposits to total assets83.3358%2,981
Equity capital to assets16.1435%454
Core capital (leverage) ratio16.6760%376
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$545,707,3331,404
Average earning assets$528,519,6671,353
Average equity$88,506,6671,049
Average total loans$223,684,3332,055
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3080%4,805
Cost of funding earning assets1.2828%588
Net interest margin2.0252%5,005
Noninterest income to average assets0.0464%4,981
Noninterest expense to average assets1.6793%4,794
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.3092%4,325
Return on assets (ROA)0.3092%4,349
Pretax return on assets0.3291%4,405
Return on Equity (ROE)1.9020%4,465
Retained earnings to average equity (ytd only)1.9020%3,480
Net charge-offs to loans-0.7293%5,043
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio83.6144%855
Assets per employee ($millions)5.5880%2,034
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.8764%4,201
Loan loss allowance to noncurrent loans99.1392%3,244
Noncurrent assets plus other real estate owned to assets0.4461%2,685
Noncurrent loans to loans0.8840%1,846
Net loans and leases to total assets40.8564%4,633
Net loans and leases to deposits49.1314%4,622
Net loans and leases to core deposits53.6856%4,579
Total domestic deposits to total assets83.1573%3,060
Equity capital to assets16.3344%528
Core capital (leverage) ratio16.6944%440
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$543,336,0001,367
Average earning assets$526,358,5001,317
Average equity$88,329,0001,048
Average total loans$224,339,0002,026
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3130%4,962
Cost of funding earning assets1.2177%987
Net interest margin2.0952%5,082
Noninterest income to average assets0.0296%5,080
Noninterest expense to average assets1.8312%4,737
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets0.1729%4,867
Return on assets (ROA)0.1729%4,889
Pretax return on assets0.2269%4,868
Return on Equity (ROE)1.0538%4,910
Retained earnings to average equity (ytd only)1.0538%4,365
Net charge-offs to loans0.0340%2,705
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)16.0395%2,198
Efficiency ratio88.9773%395
Assets per employee ($millions)5.6733%1,901
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.6876%4,599
Loan loss allowance to noncurrent loans82.1751%3,556
Noncurrent assets plus other real estate owned to assets0.4060%2,777
Noncurrent loans to loans0.8368%1,837
Net loans and leases to total assets41.0760%4,699
Net loans and leases to deposits49.3014%4,705
Net loans and leases to core deposits53.7631%4,654
Total domestic deposits to total assets83.3161%3,097
Equity capital to assets16.1795%574
Core capital (leverage) ratio16.7022%448
Tier 1 risk-based capital ratio48.9722%139
Total risk-based capital ratio49.8209%139
Memoranda:
Average total assets$537,355,8001,336
Average earning assets$520,229,4001,290
Average equity$88,157,8001,003
Average total loans$223,632,8002,007
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3141%5,061
Cost of funding earning assets1.1892%1,060
Net interest margin2.1249%5,165
Noninterest income to average assets0.0212%5,168
Noninterest expense to average assets1.7440%4,878
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets0.2537%4,899
Return on assets (ROA)0.2537%4,914
Pretax return on assets0.3341%4,872
Return on Equity (ROE)1.5410%4,961
Retained earnings to average equity (ytd only)1.5410%4,417
Net charge-offs to loans0.0078%3,101
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)103.2481%737
Efficiency ratio83.9224%617
Assets per employee ($millions)5.6584%1,880
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.7215%4,604
Loan loss allowance to noncurrent loans67.6878%3,862
Noncurrent assets plus other real estate owned to assets0.4777%2,614
Noncurrent loans to loans1.0659%1,498
Net loans and leases to total assets41.2889%4,772
Net loans and leases to deposits49.6765%4,781
Net loans and leases to core deposits54.1561%4,740
Total domestic deposits to total assets83.1156%3,125
Equity capital to assets16.4871%561
Core capital (leverage) ratio16.9516%451
Tier 1 risk-based capital ratio49.6932%138
Total risk-based capital ratio50.5887%138
Memoranda:
Average total assets$535,536,7501,345
Average earning assets$518,420,2501,296
Average equity$88,167,500995
Average total loans$223,225,5002,015
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3215%5,116
Cost of funding earning assets1.1510%1,137
Net interest margin2.1706%5,216
Noninterest income to average assets0.0131%5,231
Noninterest expense to average assets1.7444%4,932
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.2726%4,909
Return on assets (ROA)0.2726%4,921
Pretax return on assets0.3702%4,862
Return on Equity (ROE)1.6565%4,986
Retained earnings to average equity (ytd only)1.6565%4,224
Net charge-offs to loans0.0099%2,778
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)90.0000%746
Efficiency ratio82.4934%767
Assets per employee ($millions)5.7317%1,758
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.7241%4,658
Loan loss allowance to noncurrent loans80.9023%3,629
Noncurrent assets plus other real estate owned to assets0.3759%3,005
Noncurrent loans to loans0.8951%1,826
Net loans and leases to total assets41.5099%4,801
Net loans and leases to deposits49.9929%4,805
Net loans and leases to core deposits54.3657%4,771
Total domestic deposits to total assets83.0316%3,192
Equity capital to assets16.5716%523
Core capital (leverage) ratio16.8875%444
Tier 1 risk-based capital ratio49.9028%137
Total risk-based capital ratio50.8055%142
Memoranda:
Average total assets$534,866,0001,347
Average earning assets$517,831,3301,294
Average equity$88,014,670989
Average total loans$223,113,6702,031
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3084%5,167
Cost of funding earning assets1.1059%1,161
Net interest margin2.2025%5,277
Noninterest income to average assets-0.0090%5,326
Noninterest expense to average assets1.6313%5,072
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.3696%4,793
Return on assets (ROA)0.3696%4,799
Pretax return on assets0.4905%4,711
Return on Equity (ROE)2.2537%4,932
Retained earnings to average equity (ytd only)2.2537%3,994
Net charge-offs to loans0.0520%1,544
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)22.6552%1,491
Efficiency ratio76.8825%1,393
Assets per employee ($millions)5.3068%2,167
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.7132%4,750
Loan loss allowance to noncurrent loans81.6368%3,657
Noncurrent assets plus other real estate owned to assets0.4134%2,933
Noncurrent loans to loans0.8736%1,898
Net loans and leases to total assets41.4526%4,848
Net loans and leases to deposits49.8522%4,819
Net loans and leases to core deposits53.9497%4,787
Total domestic deposits to total assets83.1510%3,332
Equity capital to assets16.4372%510
Core capital (leverage) ratio16.8398%442
Tier 1 risk-based capital ratio49.1460%138
Total risk-based capital ratio50.0275%142
Memoranda:
Average total assets$535,773,5001,350
Average earning assets$518,316,5001,299
Average equity$87,854,500986
Average total loans$223,229,0002,041
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2351%5,125
Cost of funding earning assets0.9178%1,035
Net interest margin2.3172%5,280
Noninterest income to average assets0.0197%5,323
Noninterest expense to average assets1.6882%5,102
Loan and lease loss provision to assets0.0186%3,790
Net operating income to assets0.4209%4,827
Return on assets (ROA)0.4209%4,820
Pretax return on assets0.5552%4,713
Return on Equity (ROE)2.6266%4,965
Retained earnings to average equity (ytd only)2.6266%4,091
Net charge-offs to loans0.0735%2,068
Credit loss provision to net charge-offs62.1118%3,078
Earnings coverage of net charge-offs (x)19.2050%2,082
Efficiency ratio74.6329%1,547
Assets per employee ($millions)5.8213%1,654
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.7297%4,732
Loan loss allowance to noncurrent loans100.6192%3,412
Noncurrent assets plus other real estate owned to assets0.3833%3,027
Noncurrent loans to loans0.7253%2,177
Net loans and leases to total assets41.2757%4,904
Net loans and leases to deposits49.5872%4,895
Net loans and leases to core deposits53.4929%4,862
Total domestic deposits to total assets83.2386%3,251
Equity capital to assets16.3581%483
Core capital (leverage) ratio16.7483%432
Tier 1 risk-based capital ratio48.9818%140
Total risk-based capital ratio49.8811%141
Memoranda:
Average total assets$538,857,0001,314
Average earning assets$521,442,0001,265
Average equity$86,347,800968
Average total loans$219,028,6002,031
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2217%5,186
Cost of funding earning assets0.8755%1,012
Net interest margin2.3462%5,334
Noninterest income to average assets0.0400%5,366
Noninterest expense to average assets1.5957%5,208
Loan and lease loss provision to assets0.0247%3,524
Net operating income to assets0.5146%4,727
Return on assets (ROA)0.5146%4,727
Pretax return on assets0.6917%4,553
Return on Equity (ROE)3.2281%4,972
Retained earnings to average equity (ytd only)3.2281%4,131
Net charge-offs to loans0.0984%1,510
Credit loss provision to net charge-offs62.1118%2,722
Earnings coverage of net charge-offs (x)18.0125%2,078
Efficiency ratio69.0138%2,354
Assets per employee ($millions)5.8904%1,581
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.7370%4,794
Loan loss allowance to noncurrent loans95.7008%3,531
Noncurrent assets plus other real estate owned to assets0.3567%3,245
Noncurrent loans to loans0.7701%2,161
Net loans and leases to total assets40.8329%5,003
Net loans and leases to deposits49.0743%4,980
Net loans and leases to core deposits52.8359%4,942
Total domestic deposits to total assets83.2062%3,231
Equity capital to assets16.2291%497
Core capital (leverage) ratio16.6357%447
Tier 1 risk-based capital ratio49.1521%141
Total risk-based capital ratio50.0563%141
Memoranda:
Average total assets$539,682,0001,313
Average earning assets$522,657,5001,264
Average equity$86,033,000969
Average total loans$218,115,7502,050
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2248%5,204
Cost of funding earning assets0.8289%1,011
Net interest margin2.3959%5,384
Noninterest income to average assets0.0385%5,424
Noninterest expense to average assets1.5637%5,297
Loan and lease loss provision to assets0.0370%3,174
Net operating income to assets0.5557%4,618
Return on assets (ROA)0.5557%4,618
Pretax return on assets0.7550%4,377
Return on Equity (ROE)3.5070%4,926
Retained earnings to average equity (ytd only)3.5070%3,835
Net charge-offs to loans0.1150%1,235
Credit loss provision to net charge-offs80.0000%2,256
Earnings coverage of net charge-offs (x)17.1360%1,968
Efficiency ratio66.3789%2,913
Assets per employee ($millions)5.9954%1,464
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.7676%4,794
Loan loss allowance to noncurrent loans100.1206%3,475
Noncurrent assets plus other real estate owned to assets0.3642%3,283
Noncurrent loans to loans0.7667%2,202
Net loans and leases to total assets39.7923%5,062
Net loans and leases to deposits47.6694%5,038
Net loans and leases to core deposits51.0312%5,019
Total domestic deposits to total assets83.4756%3,258
Equity capital to assets16.0142%500
Core capital (leverage) ratio16.4239%452
Tier 1 risk-based capital ratio49.0755%140
Total risk-based capital ratio50.0041%141
Memoranda:
Average total assets$540,900,6701,315
Average earning assets$523,134,0001,266
Average equity$85,713,330974
Average total loans$217,321,0002,059
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2575%5,188
Cost of funding earning assets0.7806%1,044
Net interest margin2.4769%5,407
Noninterest income to average assets0.0510%5,472
Noninterest expense to average assets1.5585%5,352
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.6714%4,205
Return on assets (ROA)0.6714%4,208
Pretax return on assets0.8900%3,879
Return on Equity (ROE)4.2594%4,695
Retained earnings to average equity (ytd only)4.2594%3,483
Net charge-offs to loans0.0790%1,339
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)28.0233%1,283
Efficiency ratio63.6501%3,535
Assets per employee ($millions)5.9548%1,548
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.7563%4,902
Loan loss allowance to noncurrent loans97.8559%3,494
Noncurrent assets plus other real estate owned to assets0.3569%3,411
Noncurrent loans to loans0.7729%2,275
Net loans and leases to total assets39.7857%5,076
Net loans and leases to deposits47.5657%5,054
Net loans and leases to core deposits50.3777%5,032
Total domestic deposits to total assets83.6437%3,455
Equity capital to assets15.8372%514
Core capital (leverage) ratio16.3563%447
Tier 1 risk-based capital ratio48.5139%144
Total risk-based capital ratio49.4282%144
Memoranda:
Average total assets$541,556,5001,325
Average earning assets$524,207,0001,279
Average equity$85,364,500979
Average total loans$217,793,5002,059
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1932%5,196
Cost of funding earning assets0.7404%847
Net interest margin2.4528%5,434
Noninterest income to average assets0.0386%5,557
Noninterest expense to average assets1.6314%5,387
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.3730%4,779
Return on assets (ROA)0.3730%4,795
Pretax return on assets0.7831%4,297
Return on Equity (ROE)2.4205%4,970
Retained earnings to average equity (ytd only)2.4205%3,882
Net charge-offs to loans0.0066%3,842
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)305.4286%284
Efficiency ratio67.5667%2,983
Assets per employee ($millions)5.8829%1,599
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.7721%4,901
Loan loss allowance to noncurrent loans46.5746%4,552
Noncurrent assets plus other real estate owned to assets0.6949%2,234
Noncurrent loans to loans1.6579%992
Net loans and leases to total assets40.0321%5,132
Net loans and leases to deposits47.7666%5,132
Net loans and leases to core deposits50.0197%5,133
Total domestic deposits to total assets83.8078%3,278
Equity capital to assets15.6883%554
Core capital (leverage) ratio16.0390%473
Tier 1 risk-based capital ratio47.3385%136
Total risk-based capital ratio48.2677%138
Memoranda:
Average total assets$546,050,8001,288
Average earning assets$528,900,0001,240
Average equity$84,157,000966
Average total loans$211,759,8002,060
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2026%5,228
Cost of funding earning assets0.7537%742
Net interest margin2.4489%5,503
Noninterest income to average assets0.0256%5,642
Noninterest expense to average assets1.5322%5,496
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.5389%4,619
Return on assets (ROA)0.5389%4,652
Pretax return on assets0.8644%4,159
Return on Equity (ROE)3.5123%4,977
Retained earnings to average equity (ytd only)3.5123%3,824
Net charge-offs to loans-0.0095%4,622
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.9321%3,560
Assets per employee ($millions)5.8417%1,618
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.7969%4,903
Loan loss allowance to noncurrent loans52.2374%4,507
Noncurrent assets plus other real estate owned to assets0.6111%2,680
Noncurrent loans to loans1.5256%1,221
Net loans and leases to total assets39.3197%5,219
Net loans and leases to deposits46.9144%5,229
Net loans and leases to core deposits49.2872%5,224
Total domestic deposits to total assets83.8115%3,191
Equity capital to assets15.6501%610
Core capital (leverage) ratio15.9419%499
Tier 1 risk-based capital ratio47.6133%143
Total risk-based capital ratio48.5624%145
Memoranda:
Average total assets$547,256,0001,298
Average earning assets$529,846,7501,251
Average equity$83,968,750975
Average total loans$210,111,7502,084
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1912%5,252
Cost of funding earning assets0.7175%815
Net interest margin2.4737%5,523
Noninterest income to average assets0.0237%5,696
Noninterest expense to average assets1.4940%5,576
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.5822%4,381
Return on assets (ROA)0.5822%4,435
Pretax return on assets0.9227%3,858
Return on Equity (ROE)3.8198%4,872
Retained earnings to average equity (ytd only)3.8198%3,418
Net charge-offs to loans-0.0029%4,225
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.8193%4,022
Assets per employee ($millions)5.8414%1,586
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.8057%4,936
Loan loss allowance to noncurrent loans32.1449%4,932
Noncurrent assets plus other real estate owned to assets0.9716%1,804
Noncurrent loans to loans2.5065%597
Net loans and leases to total assets38.2060%5,296
Net loans and leases to deposits45.4029%5,300
Net loans and leases to core deposits47.6181%5,296
Total domestic deposits to total assets84.1487%3,142
Equity capital to assets15.3721%639
Core capital (leverage) ratio15.7776%504
Tier 1 risk-based capital ratio47.0706%144
Total risk-based capital ratio47.9998%147
Memoranda:
Average total assets$548,583,0001,304
Average earning assets$530,710,6701,251
Average equity$83,617,330980
Average total loans$208,372,3302,099
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1880%5,261
Cost of funding earning assets0.7068%817
Net interest margin2.4812%5,563
Noninterest income to average assets0.0321%5,758
Noninterest expense to average assets1.4955%5,634
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.6026%4,153
Return on assets (ROA)0.6026%4,206
Pretax return on assets0.9389%3,631
Return on Equity (ROE)3.9701%4,793
Retained earnings to average equity (ytd only)3.9701%3,461
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.4324%4,238
Assets per employee ($millions)5.7309%1,705
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.8158%5,025
Loan loss allowance to noncurrent loans36.6379%4,922
Noncurrent assets plus other real estate owned to assets0.8676%2,139
Noncurrent loans to loans2.2266%756
Net loans and leases to total assets37.5679%5,343
Net loans and leases to deposits44.6045%5,352
Net loans and leases to core deposits46.6237%5,347
Total domestic deposits to total assets84.2244%3,381
Equity capital to assets15.2017%616
Core capital (leverage) ratio15.6395%507
Tier 1 risk-based capital ratio46.9659%155
Total risk-based capital ratio47.9041%157
Memoranda:
Average total assets$548,328,5001,307
Average earning assets$530,872,5001,249
Average equity$83,222,500979
Average total loans$206,813,5002,124
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2794%5,190
Cost of funding earning assets0.7086%787
Net interest margin2.5709%5,542
Noninterest income to average assets0.0247%5,816
Noninterest expense to average assets1.5837%5,658
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.5808%4,289
Return on assets (ROA)0.6302%4,200
Pretax return on assets0.9919%3,503
Return on Equity (ROE)4.2394%4,758
Retained earnings to average equity (ytd only)4.2394%2,889
Net charge-offs to loans-0.0102%4,938
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.3852%4,045
Assets per employee ($millions)6.0054%1,482
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.8283%5,026
Loan loss allowance to noncurrent loans38.8838%4,910
Noncurrent assets plus other real estate owned to assets0.8254%2,283
Noncurrent loans to loans2.1302%815
Net loans and leases to total assets37.2451%5,437
Net loans and leases to deposits44.1553%5,426
Net loans and leases to core deposits46.2989%5,419
Total domestic deposits to total assets84.3503%3,290
Equity capital to assets15.1531%616
Core capital (leverage) ratio15.5423%525
Tier 1 risk-based capital ratio46.9665%159
Total risk-based capital ratio47.9138%158
Memoranda:
Average total assets$547,633,0001,264
Average earning assets$526,984,0001,214
Average equity$81,403,000977
Average total loans$206,246,6002,068
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2925%5,223
Cost of funding earning assets0.7080%784
Net interest margin2.5844%5,599
Noninterest income to average assets0.0241%5,892
Noninterest expense to average assets1.5031%5,757
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.6358%4,144
Return on assets (ROA)0.6358%4,272
Pretax return on assets1.0045%3,612
Return on Equity (ROE)4.2984%4,793
Retained earnings to average equity (ytd only)4.2984%3,263
Net charge-offs to loans0.0103%3,569
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)258.0338%313
Efficiency ratio59.9418%4,551
Assets per employee ($millions)6.0742%1,380
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.8094%5,165
Loan loss allowance to noncurrent loans33.5214%5,115
Noncurrent assets plus other real estate owned to assets0.9353%2,228
Noncurrent loans to loans2.4145%740
Net loans and leases to total assets37.3025%5,498
Net loans and leases to deposits44.1431%5,511
Net loans and leases to core deposits46.3170%5,504
Total domestic deposits to total assets84.5036%3,030
Equity capital to assets15.0654%729
Core capital (leverage) ratio15.2896%582
Tier 1 risk-based capital ratio46.3579%165
Total risk-based capital ratio47.3646%163
Memoranda:
Average total assets$547,918,7501,265
Average earning assets$526,522,5001,214
Average equity$81,051,250982
Average total loans$206,498,0002,076
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2816%5,319
Cost of funding earning assets0.7049%779
Net interest margin2.5767%5,689
Noninterest income to average assets0.0266%5,960
Noninterest expense to average assets1.4608%5,867
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.6609%3,995
Return on assets (ROA)0.6609%4,137
Pretax return on assets1.0377%3,447
Return on Equity (ROE)4.4954%4,714
Retained earnings to average equity (ytd only)4.4954%3,052
Net charge-offs to loans0.0309%2,851
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)88.9063%642
Efficiency ratio58.4672%4,839
Assets per employee ($millions)5.8751%1,491
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.8045%5,273
Loan loss allowance to noncurrent loans28.9659%5,293
Noncurrent assets plus other real estate owned to assets1.0760%1,974
Noncurrent loans to loans2.7774%575
Net loans and leases to total assets36.7728%5,572
Net loans and leases to deposits43.3585%5,585
Net loans and leases to core deposits45.3742%5,582
Total domestic deposits to total assets84.8110%2,960
Equity capital to assets14.7660%797
Core capital (leverage) ratio15.0871%595
Tier 1 risk-based capital ratio45.5461%171
Total risk-based capital ratio46.5311%171
Memoranda:
Average total assets$548,331,0001,269
Average earning assets$526,020,3301,222
Average equity$80,615,000988
Average total loans$206,800,6702,082
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3027%5,321
Cost of funding earning assets0.7011%805
Net interest margin2.6016%5,719
Noninterest income to average assets0.0286%6,022
Noninterest expense to average assets1.4986%5,912
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.6428%4,012
Return on assets (ROA)0.6428%4,130
Pretax return on assets1.0293%3,367
Return on Equity (ROE)4.3818%4,749
Retained earnings to average equity (ytd only)4.3818%3,290
Net charge-offs to loans0.0115%2,739
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)234.3333%268
Efficiency ratio59.2818%4,841
Assets per employee ($millions)5.8045%1,578
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.8038%5,346
Loan loss allowance to noncurrent loans32.5364%5,235
Noncurrent assets plus other real estate owned to assets0.9755%2,272
Noncurrent loans to loans2.4705%768
Net loans and leases to total assets37.4630%5,578
Net loans and leases to deposits44.1309%5,585
Net loans and leases to core deposits46.1110%5,584
Total domestic deposits to total assets84.8907%3,166
Equity capital to assets14.6149%804
Core capital (leverage) ratio15.0727%592
Tier 1 risk-based capital ratio44.8848%178
Total risk-based capital ratio45.8719%179
Memoranda:
Average total assets$546,368,5001,273
Average earning assets$524,900,5001,230
Average equity$80,149,500991
Average total loans$207,837,5002,074
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4042%5,149
Cost of funding earning assets0.6795%916
Net interest margin2.7247%5,622
Noninterest income to average assets0.0286%6,051
Noninterest expense to average assets1.5987%5,916
Loan and lease loss provision to assets0.0185%4,036
Net operating income to assets0.6586%4,002
Return on assets (ROA)0.6586%4,088
Pretax return on assets1.0266%3,358
Return on Equity (ROE)4.5678%4,708
Retained earnings to average equity (ytd only)4.5678%2,729
Net charge-offs to loans0.0819%2,662
Credit loss provision to net charge-offs58.1395%3,286
Earnings coverage of net charge-offs (x)32.9070%1,361
Efficiency ratio60.4693%4,847
Assets per employee ($millions)5.6386%1,667
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.8100%5,386
Loan loss allowance to noncurrent loans43.8413%5,018
Noncurrent assets plus other real estate owned to assets0.7672%2,765
Noncurrent loans to loans1.8475%1,167
Net loans and leases to total assets38.0078%5,621
Net loans and leases to deposits44.8068%5,624
Net loans and leases to core deposits47.0379%5,605
Total domestic deposits to total assets84.8258%3,160
Equity capital to assets14.7251%721
Core capital (leverage) ratio15.0464%604
Tier 1 risk-based capital ratio44.9697%168
Total risk-based capital ratio45.9710%170
Memoranda:
Average total assets$541,569,4001,253
Average earning assets$519,795,2001,209
Average equity$78,090,400976
Average total loans$209,897,2001,997
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4205%5,159
Cost of funding earning assets0.6757%951
Net interest margin2.7448%5,672
Noninterest income to average assets0.0172%6,156
Noninterest expense to average assets1.5304%6,020
Loan and lease loss provision to assets0.0273%3,707
Net operating income to assets0.6851%3,967
Return on assets (ROA)0.6851%4,085
Pretax return on assets1.0935%3,257
Return on Equity (ROE)4.7764%4,725
Retained earnings to average equity (ytd only)4.7764%3,071
Net charge-offs to loans0.0988%2,164
Credit loss provision to net charge-offs71.1538%2,746
Earnings coverage of net charge-offs (x)29.1865%1,528
Efficiency ratio57.7252%5,157
Assets per employee ($millions)5.7599%1,540
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.8171%5,474
Loan loss allowance to noncurrent loans34.4988%5,335
Noncurrent assets plus other real estate owned to assets1.0642%2,235
Noncurrent loans to loans2.3685%882
Net loans and leases to total assets38.2687%5,685
Net loans and leases to deposits45.0361%5,684
Net loans and leases to core deposits47.3079%5,681
Total domestic deposits to total assets84.9733%3,023
Equity capital to assets14.5801%841
Core capital (leverage) ratio14.8563%665
Tier 1 risk-based capital ratio44.0753%194
Total risk-based capital ratio45.0881%194
Memoranda:
Average total assets$541,634,7501,262
Average earning assets$519,749,0001,220
Average equity$77,686,000984
Average total loans$210,516,7502,001
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4586%5,085
Cost of funding earning assets0.6692%1,003
Net interest margin2.7894%5,635
Noninterest income to average assets0.0336%6,208
Noninterest expense to average assets1.4864%6,123
Loan and lease loss provision to assets0.0410%3,293
Net operating income to assets0.7388%3,695
Return on assets (ROA)0.7388%3,803
Pretax return on assets1.1792%2,863
Return on Equity (ROE)5.1794%4,531
Retained earnings to average equity (ytd only)5.1794%2,740
Net charge-offs to loans0.1450%1,622
Credit loss provision to net charge-offs72.5490%2,426
Earnings coverage of net charge-offs (x)21.6013%1,668
Efficiency ratio54.9175%5,513
Assets per employee ($millions)5.7638%1,524
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.8205%5,546
Loan loss allowance to noncurrent loans36.9730%5,333
Noncurrent assets plus other real estate owned to assets1.0026%2,520
Noncurrent loans to loans2.2191%1,076
Net loans and leases to total assets38.1530%5,730
Net loans and leases to deposits44.8225%5,731
Net loans and leases to core deposits46.8379%5,727
Total domestic deposits to total assets85.1202%3,076
Equity capital to assets14.4409%834
Core capital (leverage) ratio14.7822%658
Tier 1 risk-based capital ratio43.9237%207
Total risk-based capital ratio44.9764%207
Memoranda:
Average total assets$541,703,0001,264
Average earning assets$519,104,3301,228
Average equity$77,267,670994
Average total loans$211,054,0002,005
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5028%4,956
Cost of funding earning assets0.6648%1,024
Net interest margin2.8380%5,573
Noninterest income to average assets0.0510%6,227
Noninterest expense to average assets1.4600%6,201
Loan and lease loss provision to assets0.0081%3,607
Net operating income to assets0.7843%3,343
Return on assets (ROA)0.7843%3,476
Pretax return on assets1.3005%2,282
Return on Equity (ROE)5.5326%4,265
Retained earnings to average equity (ytd only)5.5326%2,758
Net charge-offs to loans0.2562%935
Credit loss provision to net charge-offs8.0882%2,442
Earnings coverage of net charge-offs (x)13.0294%1,750
Efficiency ratio52.7341%5,764
Assets per employee ($millions)5.8884%1,477
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.7706%5,758
Loan loss allowance to noncurrent loans35.3786%5,418
Noncurrent assets plus other real estate owned to assets1.0066%2,611
Noncurrent loans to loans2.1780%1,168
Net loans and leases to total assets38.6516%5,682
Net loans and leases to deposits45.3600%5,687
Net loans and leases to core deposits47.4047%5,698
Total domestic deposits to total assets85.2107%3,302
Equity capital to assets14.2692%899
Core capital (leverage) ratio14.6016%671
Tier 1 risk-based capital ratio42.5080%225
Total risk-based capital ratio43.4947%226
Memoranda:
Average total assets$541,657,0001,266
Average earning assets$518,669,0001,230
Average equity$76,781,500996
Average total loans$212,370,5002,000
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6053%5,068
Cost of funding earning assets0.7342%926
Net interest margin2.8711%5,694
Noninterest income to average assets-0.0013%6,404
Noninterest expense to average assets1.6136%6,225
Loan and lease loss provision to assets0.0497%3,567
Net operating income to assets0.7065%3,856
Return on assets (ROA)0.7065%3,974
Pretax return on assets1.0834%3,154
Return on Equity (ROE)5.1927%4,567
Retained earnings to average equity (ytd only)5.1927%2,472
Net charge-offs to loans0.1304%2,710
Credit loss provision to net charge-offs96.4664%2,506
Earnings coverage of net charge-offs (x)21.9823%1,645
Efficiency ratio58.7467%5,371
Assets per employee ($millions)5.8867%1,460
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.8193%5,727
Loan loss allowance to noncurrent loans106.5085%3,568
Noncurrent assets plus other real estate owned to assets0.4912%4,160
Noncurrent loans to loans0.7692%3,390
Net loans and leases to total assets39.1402%5,794
Net loans and leases to deposits45.7948%5,801
Net loans and leases to core deposits47.7523%5,825
Total domestic deposits to total assets85.4686%3,093
Equity capital to assets14.0814%929
Core capital (leverage) ratio14.3893%728
Tier 1 risk-based capital ratio41.8280%212
Total risk-based capital ratio42.8868%212
Memoranda:
Average total assets$549,010,8001,218
Average earning assets$525,473,2001,159
Average equity$74,700,400978
Average total loans$217,098,8001,920
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6694%4,945
Cost of funding earning assets0.7332%975
Net interest margin2.9363%5,622
Noninterest income to average assets0.0065%6,465
Noninterest expense to average assets1.5636%6,317
Loan and lease loss provision to assets0.0661%3,027
Net operating income to assets0.7164%3,858
Return on assets (ROA)0.7164%3,958
Pretax return on assets1.1879%2,834
Return on Equity (ROE)5.3110%4,571
Retained earnings to average equity (ytd only)5.3110%2,875
Net charge-offs to loans0.1493%2,295
Credit loss provision to net charge-offs111.8852%2,020
Earnings coverage of net charge-offs (x)21.2333%1,688
Efficiency ratio55.4935%5,705
Assets per employee ($millions)6.1570%1,231
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.8315%5,788
Loan loss allowance to noncurrent loans117.5312%3,275
Noncurrent assets plus other real estate owned to assets0.6163%3,982
Noncurrent loans to loans0.7075%3,841
Net loans and leases to total assets38.9587%5,885
Net loans and leases to deposits45.3757%5,912
Net loans and leases to core deposits47.3198%5,913
Total domestic deposits to total assets85.8581%2,927
Equity capital to assets13.8302%1,060
Core capital (leverage) ratio14.0508%833
Tier 1 risk-based capital ratio40.8327%227
Total risk-based capital ratio41.8814%228
Memoranda:
Average total assets$550,868,7501,219
Average earning assets$527,370,0001,153
Average equity$74,310,000985
Average total loans$217,942,0001,931
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7211%4,796
Cost of funding earning assets0.7591%886
Net interest margin2.9620%5,605
Noninterest income to average assets0.0145%6,523
Noninterest expense to average assets1.5110%6,413
Loan and lease loss provision to assets0.0989%2,373
Net operating income to assets0.7470%3,585
Return on assets (ROA)0.7470%3,687
Pretax return on assets1.2402%2,500
Return on Equity (ROE)5.5840%4,397
Retained earnings to average equity (ytd only)5.5840%2,593
Net charge-offs to loans0.1435%2,241
Credit loss provision to net charge-offs173.8854%1,310
Earnings coverage of net charge-offs (x)23.5350%1,465
Efficiency ratio53.0137%5,997
Assets per employee ($millions)5.7167%1,510
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.8593%5,848
Loan loss allowance to noncurrent loans112.2608%3,374
Noncurrent assets plus other real estate owned to assets0.6529%4,031
Noncurrent loans to loans0.7655%3,794
Net loans and leases to total assets39.4600%5,863
Net loans and leases to deposits45.8574%5,890
Net loans and leases to core deposits47.7591%5,909
Total domestic deposits to total assets86.0494%3,017
Equity capital to assets13.6412%1,110
Core capital (leverage) ratio13.8647%869
Tier 1 risk-based capital ratio40.1167%237
Total risk-based capital ratio41.1956%239
Memoranda:
Average total assets$551,834,0001,208
Average earning assets$528,285,0001,154
Average equity$73,818,000988
Average total loans$218,831,6701,914
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8050%4,467
Cost of funding earning assets0.7699%879
Net interest margin3.0351%5,428
Noninterest income to average assets0.0007%6,593
Noninterest expense to average assets1.5542%6,459
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.6968%3,704
Return on assets (ROA)0.6968%3,782
Pretax return on assets1.3503%1,913
Return on Equity (ROE)5.2609%4,416
Retained earnings to average equity (ytd only)5.2609%2,952
Net charge-offs to loans0.3305%1,081
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)10.3204%1,870
Efficiency ratio53.5092%6,052
Assets per employee ($millions)5.7226%1,516
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.7203%6,252
Loan loss allowance to noncurrent loans46.0105%5,361
Noncurrent assets plus other real estate owned to assets0.8204%3,682
Noncurrent loans to loans1.5655%2,467
Net loans and leases to total assets39.2314%5,862
Net loans and leases to deposits45.4380%5,890
Net loans and leases to core deposits47.0710%5,930
Total domestic deposits to total assets86.3405%3,189
Equity capital to assets13.2896%1,173
Core capital (leverage) ratio13.5102%971
Tier 1 risk-based capital ratio39.2228%250
Total risk-based capital ratio40.1382%252
Memoranda:
Average total assets$553,351,5001,212
Average earning assets$529,413,5001,159
Average equity$73,295,500993
Average total loans$219,031,0001,904
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8200%4,741
Cost of funding earning assets0.8906%777
Net interest margin2.9294%5,731
Noninterest income to average assets-0.0089%6,670
Noninterest expense to average assets1.6439%6,490
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.7315%3,652
Return on assets (ROA)0.7315%3,736
Pretax return on assets1.1335%2,833
Return on Equity (ROE)5.6973%4,272
Retained earnings to average equity (ytd only)5.6973%2,161
Net charge-offs to loans0.1696%3,127
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)16.8509%1,767
Efficiency ratio59.1888%5,577
Assets per employee ($millions)5.6868%1,488
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.8052%6,165
Loan loss allowance to noncurrent loans51.0879%5,215
Noncurrent assets plus other real estate owned to assets0.9006%3,637
Noncurrent loans to loans1.5760%2,533
Net loans and leases to total assets39.3303%6,010
Net loans and leases to deposits45.4697%6,047
Net loans and leases to core deposits47.1476%6,084
Total domestic deposits to total assets86.4978%2,989
Equity capital to assets13.2016%1,184
Core capital (leverage) ratio13.4210%983
Tier 1 risk-based capital ratio38.8197%250
Total risk-based capital ratio39.8388%248
Memoranda:
Average total assets$548,573,2001,206
Average earning assets$521,773,8001,162
Average equity$70,437,2001,014
Average total loans$217,632,8001,880
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8171%4,787
Cost of funding earning assets0.9152%759
Net interest margin2.9019%5,812
Noninterest income to average assets0.0000%6,739
Noninterest expense to average assets1.6171%6,543
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.7270%3,719
Return on assets (ROA)0.7270%3,844
Pretax return on assets1.1417%2,940
Return on Equity (ROE)5.7023%4,341
Retained earnings to average equity (ytd only)5.7023%2,596
Net charge-offs to loans0.2270%2,449
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)12.6784%2,109
Efficiency ratio58.6149%5,611
Assets per employee ($millions)5.8024%1,376
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.8116%6,257
Loan loss allowance to noncurrent loans64.6476%4,623
Noncurrent assets plus other real estate owned to assets0.8374%4,021
Noncurrent loans to loans1.2554%3,301
Net loans and leases to total assets39.0425%6,103
Net loans and leases to deposits45.0921%6,152
Net loans and leases to core deposits46.8145%6,180
Total domestic deposits to total assets86.5839%2,918
Equity capital to assets12.9406%1,359
Core capital (leverage) ratio13.2431%1,113
Tier 1 risk-based capital ratio38.5055%262
Total risk-based capital ratio39.5221%260
Memoranda:
Average total assets$547,812,7501,223
Average earning assets$520,797,7501,180
Average equity$69,841,0001,030
Average total loans$217,362,7501,883
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8585%4,628
Cost of funding earning assets0.9374%751
Net interest margin2.9211%5,748
Noninterest income to average assets-0.0285%6,828
Noninterest expense to average assets1.4813%6,688
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.7456%3,591
Return on assets (ROA)0.7456%3,746
Pretax return on assets1.2673%2,416
Return on Equity (ROE)5.8779%4,242
Retained earnings to average equity (ytd only)5.8779%2,506
Net charge-offs to loans0.3053%1,964
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)10.4337%2,154
Efficiency ratio53.8933%6,155
Assets per employee ($millions)5.5463%1,540
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.8315%6,295
Loan loss allowance to noncurrent loans71.8164%4,332
Noncurrent assets plus other real estate owned to assets0.7897%4,245
Noncurrent loans to loans1.1579%3,621
Net loans and leases to total assets39.0737%6,105
Net loans and leases to deposits45.0454%6,166
Net loans and leases to core deposits46.6366%6,203
Total domestic deposits to total assets86.7428%2,978
Equity capital to assets12.8180%1,412
Core capital (leverage) ratio13.1220%1,121
Tier 1 risk-based capital ratio38.1178%268
Total risk-based capital ratio39.1565%264
Memoranda:
Average total assets$546,674,6701,229
Average earning assets$519,741,6701,187
Average equity$69,344,0001,044
Average total loans$217,492,3301,877
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9072%4,444
Cost of funding earning assets0.9961%627
Net interest margin2.9111%5,792
Noninterest income to average assets0.0381%6,770
Noninterest expense to average assets1.4798%6,761
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.7788%3,289
Return on assets (ROA)0.7788%3,421
Pretax return on assets1.3229%2,148
Return on Equity (ROE)6.1721%3,954
Retained earnings to average equity (ytd only)6.1721%2,589
Net charge-offs to loans0.0514%3,316
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)64.4286%553
Efficiency ratio52.7996%6,329
Assets per employee ($millions)5.6083%1,575
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9634%6,094
Loan loss allowance to noncurrent loans65.9041%4,492
Noncurrent assets plus other real estate owned to assets0.9590%4,014
Noncurrent loans to loans1.4618%3,372
Net loans and leases to total assets39.3356%6,048
Net loans and leases to deposits45.3338%6,099
Net loans and leases to core deposits46.7313%6,164
Total domestic deposits to total assets86.7687%3,091
Equity capital to assets12.6213%1,634
Core capital (leverage) ratio12.9302%1,143
Tier 1 risk-based capital ratio37.1778%289
Total risk-based capital ratio38.3497%285
Memoranda:
Average total assets$545,471,5001,240
Average earning assets$518,017,5001,202
Average equity$68,825,5001,056
Average total loans$218,066,0001,882
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2338%4,460
Cost of funding earning assets1.2162%540
Net interest margin3.0176%6,013
Noninterest income to average assets-0.0876%6,910
Noninterest expense to average assets1.6356%6,772
Loan and lease loss provision to assets0.0583%5,044
Net operating income to assets0.6859%3,805
Return on assets (ROA)0.6859%4,065
Pretax return on assets1.0621%3,312
Return on Equity (ROE)5.4909%4,432
Retained earnings to average equity (ytd only)5.4909%2,386
Net charge-offs to loans0.5295%2,140
Credit loss provision to net charge-offs26.8864%5,172
Earnings coverage of net charge-offs (x)5.1691%3,125
Efficiency ratio59.3479%5,643
Assets per employee ($millions)5.5238%1,669
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.9783%6,036
Loan loss allowance to noncurrent loans60.7815%4,635
Noncurrent assets plus other real estate owned to assets1.2046%3,648
Noncurrent loans to loans1.6095%3,210
Net loans and leases to total assets39.8472%6,179
Net loans and leases to deposits45.8915%6,258
Net loans and leases to core deposits47.2577%6,312
Total domestic deposits to total assets86.8291%2,923
Equity capital to assets12.6139%1,632
Core capital (leverage) ratio12.9308%1,139
Tier 1 risk-based capital ratio36.8499%294
Total risk-based capital ratio38.0333%287
Memoranda:
Average total assets$531,968,4001,252
Average earning assets$501,296,6001,213
Average equity$66,455,2001,064
Average total loans$217,746,8001,859
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3096%4,418
Cost of funding earning assets1.2603%532
Net interest margin3.0494%6,065
Noninterest income to average assets-0.1460%7,050
Noninterest expense to average assets1.5653%6,902
Loan and lease loss provision to assets0.0780%4,662
Net operating income to assets0.5901%4,436
Return on assets (ROA)0.5901%4,707
Pretax return on assets1.0802%3,422
Return on Equity (ROE)4.7354%4,953
Retained earnings to average equity (ytd only)4.7354%3,572
Net charge-offs to loans0.6240%1,764
Credit loss provision to net charge-offs30.4220%4,797
Earnings coverage of net charge-offs (x)4.5152%3,284
Efficiency ratio57.4730%5,859
Assets per employee ($millions)5.3925%1,738
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.0443%5,917
Loan loss allowance to noncurrent loans62.4139%4,549
Noncurrent assets plus other real estate owned to assets1.2494%3,800
Noncurrent loans to loans1.6732%3,279
Net loans and leases to total assets40.2029%6,264
Net loans and leases to deposits46.2017%6,371
Net loans and leases to core deposits47.6097%6,444
Total domestic deposits to total assets87.0162%2,659
Equity capital to assets12.5704%1,848
Core capital (leverage) ratio12.8670%1,244
Tier 1 risk-based capital ratio36.1753%323
Total risk-based capital ratio37.4250%319
Memoranda:
Average total assets$529,627,7501,275
Average earning assets$498,406,0001,234
Average equity$65,998,2501,076
Average total loans$217,724,5001,871
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3962%4,200
Cost of funding earning assets1.2945%542
Net interest margin3.1017%6,004
Noninterest income to average assets-0.0727%7,072
Noninterest expense to average assets1.5164%6,995
Loan and lease loss provision to assets0.1174%4,055
Net operating income to assets0.6671%4,028
Return on assets (ROA)0.6671%4,287
Pretax return on assets1.2003%2,926
Return on Equity (ROE)5.3696%4,640
Retained earnings to average equity (ytd only)5.3696%3,061
Net charge-offs to loans0.9183%1,202
Credit loss provision to net charge-offs30.9690%4,426
Earnings coverage of net charge-offs (x)3.4765%3,358
Efficiency ratio53.5070%6,365
Assets per employee ($millions)5.3972%1,711
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.0586%5,928
Loan loss allowance to noncurrent loans45.7149%5,344
Noncurrent assets plus other real estate owned to assets1.6249%3,290
Noncurrent loans to loans2.3157%2,587
Net loans and leases to total assets39.9344%6,347
Net loans and leases to deposits45.8312%6,450
Net loans and leases to core deposits47.1718%6,503
Total domestic deposits to total assets87.1335%2,694
Equity capital to assets12.4493%1,848
Core capital (leverage) ratio12.7465%1,240
Tier 1 risk-based capital ratio35.5380%331
Total risk-based capital ratio36.7830%324
Memoranda:
Average total assets$528,217,3301,282
Average earning assets$495,023,0001,245
Average equity$65,628,3301,072
Average total loans$218,002,0001,870
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4922%3,944
Cost of funding earning assets1.3385%538
Net interest margin3.1538%5,899
Noninterest income to average assets-0.2338%7,208
Noninterest expense to average assets1.5248%7,039
Loan and lease loss provision to assets0.2361%2,578
Net operating income to assets0.6550%4,106
Return on assets (ROA)0.6550%4,319
Pretax return on assets0.9574%3,843
Return on Equity (ROE)5.2774%4,652
Retained earnings to average equity (ytd only)5.2774%3,386
Net charge-offs to loans1.5641%640
Credit loss provision to net charge-offs36.1727%3,515
Earnings coverage of net charge-offs (x)1.8285%3,424
Efficiency ratio56.0941%6,112
Assets per employee ($millions)5.6972%1,528
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.1103%5,868
Loan loss allowance to noncurrent loans49.1196%5,120
Noncurrent assets plus other real estate owned to assets1.8249%3,145
Noncurrent loans to loans2.2605%2,849
Net loans and leases to total assets40.7960%6,285
Net loans and leases to deposits46.8739%6,367
Net loans and leases to core deposits48.1979%6,448
Total domestic deposits to total assets87.0334%2,941
Equity capital to assets12.3857%1,797
Core capital (leverage) ratio12.6843%1,256
Tier 1 risk-based capital ratio34.6894%346
Total risk-based capital ratio35.9948%339
Memoranda:
Average total assets$525,166,5001,289
Average earning assets$491,604,0001,251
Average equity$65,183,0001,077
Average total loans$219,173,0001,863
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6464%4,467
Cost of funding earning assets1.6099%461
Net interest margin3.0364%6,472
Noninterest income to average assets-0.1890%7,153
Noninterest expense to average assets1.6063%7,116
Loan and lease loss provision to assets0.6037%1,715
Net operating income to assets0.2442%5,442
Return on assets (ROA)0.2442%5,585
Pretax return on assets0.4384%5,176
Return on Equity (ROE)1.9240%5,689
Retained earnings to average equity (ytd only)1.9240%4,836
Net charge-offs to loans0.6810%2,455
Credit loss provision to net charge-offs200.1312%1,241
Earnings coverage of net charge-offs (x)3.4547%3,514
Efficiency ratio60.6532%5,656
Assets per employee ($millions)5.5967%1,543
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.3524%4,656
Loan loss allowance to noncurrent loans50.5099%4,992
Noncurrent assets plus other real estate owned to assets2.2460%2,685
Noncurrent loans to loans2.6774%2,429
Net loans and leases to total assets41.6516%6,412
Net loans and leases to deposits47.8043%6,508
Net loans and leases to core deposits49.2885%6,571
Total domestic deposits to total assets87.1294%2,687
Equity capital to assets12.4385%1,831
Core capital (leverage) ratio12.7460%1,240
Tier 1 risk-based capital ratio34.5453%348
Total risk-based capital ratio35.8461%339
Memoranda:
Average total assets$505,250,8001,326
Average earning assets$472,131,4001,297
Average equity$64,137,2001,051
Average total loans$223,794,4001,845
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6925%4,494
Cost of funding earning assets1.6372%504
Net interest margin3.0554%6,482
Noninterest income to average assets-0.1819%7,256
Noninterest expense to average assets1.5276%7,208
Loan and lease loss provision to assets0.8907%1,015
Net operating income to assets0.1587%5,801
Return on assets (ROA)0.1587%5,928
Pretax return on assets0.2537%5,800
Return on Equity (ROE)1.2440%6,018
Retained earnings to average equity (ytd only)1.2440%5,514
Net charge-offs to loans0.6738%2,227
Credit loss provision to net charge-offs294.8944%973
Earnings coverage of net charge-offs (x)3.7887%3,296
Efficiency ratio57.1699%6,118
Assets per employee ($millions)5.5819%1,523
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.6631%3,404
Loan loss allowance to noncurrent loans63.4032%4,290
Noncurrent assets plus other real estate owned to assets2.3291%2,753
Noncurrent loans to loans2.6231%2,649
Net loans and leases to total assets42.1287%6,494
Net loans and leases to deposits48.4220%6,603
Net loans and leases to core deposits49.8325%6,676
Total domestic deposits to total assets87.0032%2,656
Equity capital to assets12.5619%1,875
Core capital (leverage) ratio12.7947%1,304
Tier 1 risk-based capital ratio34.4723%371
Total risk-based capital ratio35.7787%362
Memoranda:
Average total assets$501,441,2501,341
Average earning assets$468,363,0001,309
Average equity$63,986,2501,060
Average total loans$224,802,0001,860
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7274%4,414
Cost of funding earning assets1.6665%539
Net interest margin3.0609%6,488
Noninterest income to average assets-0.1906%7,337
Noninterest expense to average assets1.5219%7,291
Loan and lease loss provision to assets1.3470%547
Net operating income to assets-0.1343%6,395
Return on assets (ROA)-0.1343%6,437
Pretax return on assets-0.2006%6,451
Return on Equity (ROE)-1.0468%6,408
Retained earnings to average equity (ytd only)-1.0468%6,062
Net charge-offs to loans0.8330%1,839
Credit loss provision to net charge-offs355.2492%865
Earnings coverage of net charge-offs (x)3.0233%3,343
Efficiency ratio57.0374%6,291
Assets per employee ($millions)5.2552%1,816
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.7300%3,224
Loan loss allowance to noncurrent loans57.4132%4,591
Noncurrent assets plus other real estate owned to assets2.7802%2,408
Noncurrent loans to loans3.0133%2,408
Net loans and leases to total assets43.3819%6,487
Net loans and leases to deposits49.8354%6,612
Net loans and leases to core deposits51.2850%6,702
Total domestic deposits to total assets87.0505%2,715
Equity capital to assets12.6090%1,730
Core capital (leverage) ratio12.8409%1,223
Tier 1 risk-based capital ratio33.8355%389
Total risk-based capital ratio35.1555%380
Memoranda:
Average total assets$497,409,6701,353
Average earning assets$464,567,3301,324
Average equity$63,811,6701,061
Average total loans$226,401,0001,867
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7078%4,481
Cost of funding earning assets1.7182%516
Net interest margin2.9896%6,594
Noninterest income to average assets-0.1531%7,411
Noninterest expense to average assets1.5024%7,359
Loan and lease loss provision to assets1.1501%621
Net operating income to assets-0.0049%6,357
Return on assets (ROA)-0.0049%6,386
Pretax return on assets-0.0097%6,366
Return on Equity (ROE)-0.0376%6,389
Retained earnings to average equity (ytd only)-0.0376%5,800
Net charge-offs to loans0.1753%3,439
Credit loss provision to net charge-offs1,420.0000%283
Earnings coverage of net charge-offs (x)14.0800%1,390
Efficiency ratio56.8495%6,400
Assets per employee ($millions)5.3450%1,724
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.2182%5,537
Loan loss allowance to noncurrent loans32.4074%6,144
Noncurrent assets plus other real estate owned to assets3.0743%2,243
Noncurrent loans to loans3.7589%1,962
Net loans and leases to total assets44.6271%6,412
Net loans and leases to deposits51.3519%6,525
Net loans and leases to core deposits52.8441%6,633
Total domestic deposits to total assets86.9043%2,990
Equity capital to assets12.7221%1,511
Core capital (leverage) ratio12.9585%1,132
Tier 1 risk-based capital ratio33.5353%390
Total risk-based capital ratio34.8391%379
Memoranda:
Average total assets$493,865,5001,369
Average earning assets$461,870,0001,336
Average equity$63,911,5001,047
Average total loans$228,244,5001,870
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9349%4,858
Cost of funding earning assets1.9540%712
Net interest margin2.9809%6,767
Noninterest income to average assets-0.0127%7,312
Noninterest expense to average assets1.7215%7,335
Loan and lease loss provision to assets0.3465%4,053
Net operating income to assets0.4540%4,296
Return on assets (ROA)0.4540%4,462
Pretax return on assets0.7199%3,902
Return on Equity (ROE)3.4063%4,789
Retained earnings to average equity (ytd only)3.4063%3,484
Net charge-offs to loans0.3592%4,224
Credit loss provision to net charge-offs200.8589%1,555
Earnings coverage of net charge-offs (x)6.1816%2,418
Efficiency ratio61.7493%5,772
Assets per employee ($millions)5.1628%1,926
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.8409%6,878
Loan loss allowance to noncurrent loans16.0820%6,946
Noncurrent assets plus other real estate owned to assets3.2577%2,169
Noncurrent loans to loans5.2291%1,274
Net loans and leases to total assets46.8934%6,486
Net loans and leases to deposits54.2275%6,591
Net loans and leases to core deposits55.7839%6,701
Total domestic deposits to total assets86.4753%3,093
Equity capital to assets13.1678%1,313
Core capital (leverage) ratio13.4161%998
Tier 1 risk-based capital ratio34.0381%372
Total risk-based capital ratio35.0914%371
Memoranda:
Average total assets$472,444,8001,416
Average earning assets$443,856,6001,377
Average equity$62,971,4001,065
Average total loans$226,899,0001,925
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0034%4,798
Cost of funding earning assets2.0000%754
Net interest margin3.0034%6,824
Noninterest income to average assets0.0506%7,265
Noninterest expense to average assets1.6338%7,482
Loan and lease loss provision to assets0.2850%4,293
Net operating income to assets0.5353%4,161
Return on assets (ROA)0.5353%4,329
Pretax return on assets0.9547%3,347
Return on Equity (ROE)4.0038%4,772
Retained earnings to average equity (ytd only)4.0038%3,659
Net charge-offs to loans0.3330%3,994
Credit loss provision to net charge-offs177.5221%2,073
Earnings coverage of net charge-offs (x)7.7222%2,278
Efficiency ratio56.8575%6,432
Assets per employee ($millions)5.1196%2,034
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.7408%7,129
Loan loss allowance to noncurrent loans16.1044%7,045
Noncurrent assets plus other real estate owned to assets2.9834%2,435
Noncurrent loans to loans4.5999%1,552
Net loans and leases to total assets47.5602%6,559
Net loans and leases to deposits55.1437%6,677
Net loans and leases to core deposits56.6765%6,821
Total domestic deposits to total assets86.2478%2,951
Equity capital to assets13.4015%1,391
Core capital (leverage) ratio13.6193%1,020
Tier 1 risk-based capital ratio34.3130%365
Total risk-based capital ratio35.2462%373
Memoranda:
Average total assets$469,229,7501,445
Average earning assets$441,051,0001,397
Average equity$62,738,2501,071
Average total loans$226,247,2501,951
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0276%4,815
Cost of funding earning assets2.0322%818
Net interest margin2.9953%6,832
Noninterest income to average assets0.0660%7,252
Noninterest expense to average assets1.5917%7,572
Loan and lease loss provision to assets0.3632%3,532
Net operating income to assets0.5603%4,035
Return on assets (ROA)0.5603%4,183
Pretax return on assets0.9299%3,388
Return on Equity (ROE)4.1935%4,687
Retained earnings to average equity (ytd only)4.1935%3,398
Net charge-offs to loans0.4228%3,306
Credit loss provision to net charge-offs177.7778%2,203
Earnings coverage of net charge-offs (x)6.3291%2,473
Efficiency ratio55.1745%6,739
Assets per employee ($millions)4.8889%2,315
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.7672%7,100
Loan loss allowance to noncurrent loans13.5654%7,181
Noncurrent assets plus other real estate owned to assets3.2441%2,171
Noncurrent loans to loans5.6552%1,155
Net loans and leases to total assets47.1885%6,691
Net loans and leases to deposits55.4038%6,769
Net loans and leases to core deposits56.9356%6,889
Total domestic deposits to total assets85.1721%3,532
Equity capital to assets13.3326%1,424
Core capital (leverage) ratio13.5522%1,041
Tier 1 risk-based capital ratio34.1461%373
Total risk-based capital ratio35.1023%378
Memoranda:
Average total assets$466,930,6701,464
Average earning assets$439,415,6701,411
Average equity$62,381,6701,068
Average total loans$225,617,3301,979
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0185%4,934
Cost of funding earning assets2.0981%813
Net interest margin2.9203%6,983
Noninterest income to average assets0.0570%7,427
Noninterest expense to average assets1.5912%7,664
Loan and lease loss provision to assets0.7106%1,794
Net operating income to assets0.0509%6,155
Return on assets (ROA)0.0509%6,267
Pretax return on assets0.5120%4,920
Return on Equity (ROE)0.3809%6,312
Retained earnings to average equity (ytd only)0.3809%5,683
Net charge-offs to loans0.6629%2,164
Credit loss provision to net charge-offs220.0535%1,709
Earnings coverage of net charge-offs (x)3.7861%2,786
Efficiency ratio56.5511%6,689
Assets per employee ($millions)4.9236%2,339
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.8110%7,097
Loan loss allowance to noncurrent loans12.9032%7,266
Noncurrent assets plus other real estate owned to assets3.3082%2,169
Noncurrent loans to loans6.2851%1,018
Net loans and leases to total assets48.3078%6,643
Net loans and leases to deposits56.8266%6,715
Net loans and leases to core deposits58.4070%6,856
Total domestic deposits to total assets85.0091%3,677
Equity capital to assets13.3944%1,366
Core capital (leverage) ratio13.6169%1,050
Tier 1 risk-based capital ratio33.8956%384
Total risk-based capital ratio34.9222%384
Memoranda:
Average total assets$463,285,5001,512
Average earning assets$437,345,0001,456
Average equity$61,959,5001,079
Average total loans$225,672,0002,031
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2493%5,418
Cost of funding earning assets2.7043%584
Net interest margin2.5450%7,374
Noninterest income to average assets0.0700%7,401
Noninterest expense to average assets1.6996%7,704
Loan and lease loss provision to assets0.1891%5,829
Net operating income to assets0.3881%4,171
Return on assets (ROA)0.3881%4,275
Pretax return on assets0.5893%3,929
Return on Equity (ROE)2.8703%4,564
Retained earnings to average equity (ytd only)2.8703%3,170
Net charge-offs to loans0.1595%5,681
Credit loss provision to net charge-offs248.2659%1,430
Earnings coverage of net charge-offs (x)10.2197%1,707
Efficiency ratio68.5884%4,904
Assets per employee ($millions)4.8307%2,438
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.6484%7,478
Loan loss allowance to noncurrent loans12.2308%7,329
Noncurrent assets plus other real estate owned to assets2.6659%2,633
Noncurrent loans to loans5.3015%1,239
Net loans and leases to total assets48.4038%6,779
Net loans and leases to deposits57.5523%6,814
Net loans and leases to core deposits73.1456%6,588
Total domestic deposits to total assets84.1039%3,983
Equity capital to assets13.3536%1,376
Core capital (leverage) ratio13.5766%1,072
Tier 1 risk-based capital ratio33.8364%378
Total risk-based capital ratio34.6648%384
Memoranda:
Average total assets$454,276,0001,525
Average earning assets$429,829,6001,476
Average equity$61,422,6001,077
Average total loans$216,963,6002,130
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2845%5,510
Cost of funding earning assets2.8332%552
Net interest margin2.4513%7,510
Noninterest income to average assets0.0513%7,645
Noninterest expense to average assets1.6560%7,795
Loan and lease loss provision to assets0.1328%6,035
Net operating income to assets0.3738%4,497
Return on assets (ROA)0.3738%4,605
Pretax return on assets0.5862%4,224
Return on Equity (ROE)2.7559%4,897
Retained earnings to average equity (ytd only)2.7559%3,792
Net charge-offs to loans0.1111%5,566
Credit loss provision to net charge-offs251.3966%1,708
Earnings coverage of net charge-offs (x)13.6146%1,666
Efficiency ratio69.7267%4,644
Assets per employee ($millions)4.8979%2,270
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.5654%7,627
Loan loss allowance to noncurrent loans13.4507%7,376
Noncurrent assets plus other real estate owned to assets2.0428%3,295
Noncurrent loans to loans4.2037%1,719
Net loans and leases to total assets48.1654%6,938
Net loans and leases to deposits57.2365%7,011
Net loans and leases to core deposits73.1205%6,776
Total domestic deposits to total assets84.1516%3,654
Equity capital to assets13.4679%1,512
Core capital (leverage) ratio13.5664%1,215
Tier 1 risk-based capital ratio34.2093%402
Total risk-based capital ratio34.9320%404
Memoranda:
Average total assets$451,907,7501,550
Average earning assets$428,390,2501,491
Average equity$61,296,5001,100
Average total loans$214,720,2502,176
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3185%5,566
Cost of funding earning assets2.9547%527
Net interest margin2.3638%7,611
Noninterest income to average assets0.0521%7,727
Noninterest expense to average assets1.6505%7,882
Loan and lease loss provision to assets0.1781%5,268
Net operating income to assets0.2254%5,175
Return on assets (ROA)0.2254%5,260
Pretax return on assets0.4627%4,741
Return on Equity (ROE)1.6574%5,418
Retained earnings to average equity (ytd only)1.6574%4,419
Net charge-offs to loans0.1689%4,536
Credit loss provision to net charge-offs223.4637%2,056
Earnings coverage of net charge-offs (x)8.0391%2,326
Efficiency ratio72.0311%4,403
Assets per employee ($millions)4.7266%2,431
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.5524%7,721
Loan loss allowance to noncurrent loans16.8218%7,291
Noncurrent assets plus other real estate owned to assets1.6222%3,777
Noncurrent loans to loans3.2838%2,153
Net loans and leases to total assets48.0474%7,029
Net loans and leases to deposits57.1777%7,082
Net loans and leases to core deposits74.2238%6,777
Total domestic deposits to total assets84.0318%3,750
Equity capital to assets13.4927%1,496
Core capital (leverage) ratio13.5964%1,242
Tier 1 risk-based capital ratio34.1766%441
Total risk-based capital ratio34.8709%447
Memoranda:
Average total assets$449,074,6701,574
Average earning assets$425,424,6701,519
Average equity$61,059,6701,121
Average total loans$211,954,3302,230
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3443%5,690
Cost of funding earning assets3.0506%530
Net interest margin2.2937%7,721
Noninterest income to average assets0.0582%7,784
Noninterest expense to average assets1.5213%7,972
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets0.4656%4,589
Return on assets (ROA)0.4656%4,772
Pretax return on assets0.7074%4,413
Return on Equity (ROE)3.4111%5,204
Retained earnings to average equity (ytd only)3.4111%3,990
Net charge-offs to loans0.3360%2,748
Credit loss provision to net charge-offs0.0000%5,248
Earnings coverage of net charge-offs (x)4.5143%2,868
Efficiency ratio68.2603%4,914
Assets per employee ($millions)4.7497%2,364
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.3864%7,962
Loan loss allowance to noncurrent loans17.5043%7,290
Noncurrent assets plus other real estate owned to assets1.0678%4,555
Noncurrent loans to loans2.2076%2,966
Net loans and leases to total assets46.5606%7,151
Net loans and leases to deposits55.4809%7,186
Net loans and leases to core deposits72.8903%6,870
Total domestic deposits to total assets83.9218%3,746
Equity capital to assets13.5665%1,507
Core capital (leverage) ratio13.6746%1,269
Tier 1 risk-based capital ratio34.9513%437
Total risk-based capital ratio35.4272%456
Memoranda:
Average total assets$446,733,0001,589
Average earning assets$422,731,0001,539
Average equity$60,977,5001,126
Average total loans$208,316,5002,284
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5758%7,141
Cost of funding earning assets3.3141%886
Net interest margin2.2617%7,928
Noninterest income to average assets0.0728%7,774
Noninterest expense to average assets1.6165%7,950
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.3927%5,182
Return on assets (ROA)0.3927%4,997
Pretax return on assets0.6121%4,657
Return on Equity (ROE)2.7301%5,331
Retained earnings to average equity (ytd only)2.7301%3,481
Net charge-offs to loans0.0156%6,666
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)85.4333%495
Efficiency ratio72.5324%3,842
Assets per employee ($millions)5.3283%1,610
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.4900%7,865
Loan loss allowance to noncurrent loans67.9245%4,636
Noncurrent assets plus other real estate owned to assets0.3688%6,130
Noncurrent loans to loans0.7213%5,228
Net loans and leases to total assets46.2909%7,302
Net loans and leases to deposits55.2408%7,372
Net loans and leases to core deposits73.1257%7,018
Total domestic deposits to total assets83.7983%3,429
Equity capital to assets13.7345%1,529
Core capital (leverage) ratio13.8369%1,302
Tier 1 risk-based capital ratio35.4605%431
Total risk-based capital ratio36.0784%436
Memoranda:
Average total assets$418,690,2001,626
Average earning assets$399,081,0001,563
Average equity$60,217,4001,118
Average total loans$192,895,0002,365