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Iowa State Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3598%1,373
Cost of funding earning assets1.8595%1,142
Net interest margin3.5004%2,176
Noninterest income to average assets0.4500%2,231
Noninterest expense to average assets1.9135%3,812
Loan and lease loss provision to assets0.0300%2,526
Net operating income to assets1.3550%1,313
Return on assets (ROA)1.3682%1,251
Pretax return on assets1.7421%980
Return on Equity (ROE)15.1700%1,254
Retained earnings to average equity (ytd only)11.0955%775
Net charge-offs to loans0.0047%2,553
Credit loss provision to net charge-offs909.0909%442
Earnings coverage of net charge-offs (x)534.2121%275
Efficiency ratio52.1575%3,817
Assets per employee ($millions)9.6999%770
Cash dividends to net income (ytd only)*26.8520%2,677
Condition Ratios (%)
Loss allowance to loans1.0646%3,003
Loan loss allowance to noncurrent loans2,853.3808%390
Noncurrent assets plus other real estate owned to assets0.0266%3,511
Noncurrent loans to loans0.0373%3,466
Net loans and leases to total assets70.4800%1,753
Net loans and leases to deposits91.9065%1,102
Net loans and leases to core deposits100.0948%1,427
Total domestic deposits to total assets76.6800%3,875
Equity capital to assets9.3779%2,435
Core capital (leverage) ratio12.4546%1,227
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$1,004,364,400981
Average earning assets$924,673,800979
Average equity$90,595,0001,024
Average total loans$708,901,600945
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2893%1,304
Cost of funding earning assets1.7459%1,102
Net interest margin3.5434%2,125
Noninterest income to average assets0.4000%2,484
Noninterest expense to average assets1.9007%3,800
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets1.3815%1,360
Return on assets (ROA)1.3720%1,361
Pretax return on assets1.7593%1,070
Return on Equity (ROE)15.3700%1,381
Retained earnings to average equity (ytd only)9.8110%1,458
Net charge-offs to loans0.0044%2,326
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)572.4783%274
Efficiency ratio51.7622%3,773
Assets per employee ($millions)9.0422%915
Cash dividends to net income (ytd only)*36.1800%1,815
Condition Ratios (%)
Loss allowance to loans1.0600%3,067
Loan loss allowance to noncurrent loans2,862.2222%386
Noncurrent assets plus other real estate owned to assets0.0264%3,543
Noncurrent loans to loans0.0370%3,501
Net loans and leases to total assets70.6000%1,759
Net loans and leases to deposits96.9857%685
Net loans and leases to core deposits102.4477%1,189
Total domestic deposits to total assets72.7900%4,226
Equity capital to assets8.4982%2,733
Core capital (leverage) ratio12.1218%1,385
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$991,133,750994
Average earning assets$914,652,500985
Average equity$88,456,0001,040
Average total loans$697,835,000959
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1309%1,318
Cost of funding earning assets1.5733%1,122
Net interest margin3.5576%2,135
Noninterest income to average assets0.4000%2,440
Noninterest expense to average assets1.9062%3,808
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.3987%1,338
Return on assets (ROA)1.3844%1,348
Pretax return on assets1.7732%1,064
Return on Equity (ROE)15.2600%1,419
Retained earnings to average equity (ytd only)11.1127%1,168
Net charge-offs to loans0.0201%1,490
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)127.3333%818
Efficiency ratio51.5522%3,810
Assets per employee ($millions)9.0443%899
Cash dividends to net income (ytd only)*27.1723%2,167
Condition Ratios (%)
Loss allowance to loans1.0922%2,990
Loan loss allowance to noncurrent loans1,364.2984%770
Noncurrent assets plus other real estate owned to assets0.0566%3,205
Noncurrent loans to loans0.0801%3,117
Net loans and leases to total assets69.9200%1,751
Net loans and leases to deposits90.9284%1,113
Net loans and leases to core deposits96.5520%1,434
Total domestic deposits to total assets76.8900%3,961
Equity capital to assets9.2151%2,365
Core capital (leverage) ratio12.2711%1,250
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$980,921,000995
Average earning assets$908,149,333987
Average equity$88,997,3331,029
Average total loans$687,425,333960
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9863%1,250
Cost of funding earning assets1.3806%1,064
Net interest margin3.6056%2,116
Noninterest income to average assets0.3800%2,520
Noninterest expense to average assets1.9188%3,813
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.4113%1,377
Return on assets (ROA)1.3824%1,428
Pretax return on assets1.7672%1,134
Return on Equity (ROE)15.3600%1,485
Retained earnings to average equity (ytd only)6.9407%2,511
Net charge-offs to loans-0.0047%3,618
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio51.5446%3,814
Assets per employee ($millions)9.0394%917
Cash dividends to net income (ytd only)*54.8128%1,072
Condition Ratios (%)
Loss allowance to loans1.1353%2,880
Loan loss allowance to noncurrent loans699.5491%1,291
Noncurrent assets plus other real estate owned to assets0.1141%2,722
Noncurrent loans to loans0.1623%2,675
Net loans and leases to total assets69.2000%1,704
Net loans and leases to deposits86.7540%1,299
Net loans and leases to core deposits91.5641%1,525
Total domestic deposits to total assets79.7700%3,791
Equity capital to assets9.2139%2,358
Core capital (leverage) ratio12.0566%1,291
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$973,943,5001,013
Average earning assets$901,919,5001,009
Average equity$87,656,5001,053
Average total loans$679,496,500982
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2620%1,135
Cost of funding earning assets0.5318%1,208
Net interest margin3.7302%1,302
Noninterest income to average assets0.6400%1,496
Noninterest expense to average assets1.9234%3,781
Loan and lease loss provision to assets0.0400%2,129
Net operating income to assets1.7207%521
Return on assets (ROA)1.6906%520
Pretax return on assets2.1171%367
Return on Equity (ROE)17.6700%755
Retained earnings to average equity (ytd only)13.5288%449
Net charge-offs to loans0.0129%1,896
Credit loss provision to net charge-offs468.7500%711
Earnings coverage of net charge-offs (x)255.4750%542
Efficiency ratio46.7039%4,311
Assets per employee ($millions)9.1663%860
Cash dividends to net income (ytd only)*23.4468%2,744
Condition Ratios (%)
Loss allowance to loans1.1472%2,661
Loan loss allowance to noncurrent loans696.4061%1,271
Noncurrent assets plus other real estate owned to assets0.2471%1,918
Noncurrent loans to loans0.1647%2,662
Net loans and leases to total assets68.7400%1,765
Net loans and leases to deposits84.1122%1,464
Net loans and leases to core deposits86.3502%1,725
Total domestic deposits to total assets81.7200%3,658
Equity capital to assets8.7854%2,501
Core capital (leverage) ratio12.2686%1,169
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$931,145,2001,044
Average earning assets$868,690,8001,030
Average equity$89,076,8001,045
Average total loans$618,538,6001,018
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1223%1,026
Cost of funding earning assets0.3975%1,308
Net interest margin3.7248%1,081
Noninterest income to average assets0.4600%2,378
Noninterest expense to average assets1.8524%3,863
Loan and lease loss provision to assets0.0300%2,122
Net operating income to assets1.6097%647
Return on assets (ROA)1.5697%686
Pretax return on assets2.0087%460
Return on Equity (ROE)16.0600%963
Retained earnings to average equity (ytd only)10.5946%1,169
Net charge-offs to loans0.0183%1,474
Credit loss provision to net charge-offs271.0843%861
Earnings coverage of net charge-offs (x)174.1084%675
Efficiency ratio46.9630%4,329
Assets per employee ($millions)8.8525%948
Cash dividends to net income (ytd only)*34.0404%1,852
Condition Ratios (%)
Loss allowance to loans1.2007%2,523
Loan loss allowance to noncurrent loans711.3296%1,236
Noncurrent assets plus other real estate owned to assets0.1138%2,831
Noncurrent loans to loans0.1688%2,747
Net loans and leases to total assets66.6200%1,823
Net loans and leases to deposits81.8647%1,452
Net loans and leases to core deposits83.9422%1,656
Total domestic deposits to total assets81.3700%3,924
Equity capital to assets8.2858%2,692
Core capital (leverage) ratio11.4130%1,484
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$921,024,7501,063
Average earning assets$861,414,0001,052
Average equity$90,005,7501,048
Average total loans$604,267,7501,035
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0054%931
Cost of funding earning assets0.2857%1,842
Net interest margin3.7197%880
Noninterest income to average assets0.4580%2,404
Noninterest expense to average assets1.8666%3,789
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.6386%499
Return on assets (ROA)1.6046%527
Pretax return on assets2.0508%339
Return on Equity (ROE)15.6083%771
Retained earnings to average equity (ytd only)11.6866%662
Net charge-offs to loans0.0293%1,141
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)110.1379%773
Efficiency ratio47.1309%4,390
Assets per employee ($millions)8.9481%902
Cash dividends to net income (ytd only)*25.1260%2,269
Condition Ratios (%)
Loss allowance to loans1.1806%2,793
Loan loss allowance to noncurrent loans476.5847%1,605
Noncurrent assets plus other real estate owned to assets0.1661%2,542
Noncurrent loans to loans0.2477%2,492
Net loans and leases to total assets66.2695%1,661
Net loans and leases to deposits80.2349%1,373
Net loans and leases to core deposits81.3825%1,632
Total domestic deposits to total assets82.5943%3,933
Equity capital to assets9.1315%2,299
Core capital (leverage) ratio11.5629%1,317
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$915,246,3331,065
Average earning assets$861,782,6671,050
Average equity$94,090,6671,008
Average total loans$594,791,0001,033
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1091%626
Cost of funding earning assets0.2356%2,312
Net interest margin3.8734%534
Noninterest income to average assets0.4368%2,462
Noninterest expense to average assets1.8939%3,696
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.7189%392
Return on assets (ROA)1.7189%395
Pretax return on assets2.2015%255
Return on Equity (ROE)15.8140%551
Retained earnings to average equity (ytd only)8.3327%1,479
Net charge-offs to loans-0.0014%3,049
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.2441%4,486
Assets per employee ($millions)8.8481%974
Cash dividends to net income (ytd only)*47.3077%1,314
Condition Ratios (%)
Loss allowance to loans1.2492%2,610
Loan loss allowance to noncurrent loans1,448.1553%683
Noncurrent assets plus other real estate owned to assets0.0565%3,480
Noncurrent loans to loans0.0863%3,410
Net loans and leases to total assets64.6915%1,536
Net loans and leases to deposits75.8229%1,465
Net loans and leases to core deposits76.9209%1,711
Total domestic deposits to total assets85.3193%3,465
Equity capital to assets10.1408%1,798
Core capital (leverage) ratio11.0398%1,495
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$907,568,5001,072
Average earning assets$857,227,0001,061
Average equity$98,647,000998
Average total loans$580,150,0001,044
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8466%1,752
Cost of funding earning assets0.4702%1,061
Net interest margin3.3764%2,097
Noninterest income to average assets0.6674%1,877
Noninterest expense to average assets1.9199%3,878
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.5192%974
Return on assets (ROA)1.5192%1,011
Pretax return on assets1.9184%699
Return on Equity (ROE)11.9076%1,849
Retained earnings to average equity (ytd only)8.5516%1,327
Net charge-offs to loans0.0023%2,544
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)1,265.0000%117
Efficiency ratio50.0198%4,280
Assets per employee ($millions)9.0378%908
Cash dividends to net income (ytd only)*28.1840%2,655
Condition Ratios (%)
Loss allowance to loans1.3237%2,252
Loan loss allowance to noncurrent loans879.2453%944
Noncurrent assets plus other real estate owned to assets0.0938%3,280
Noncurrent loans to loans0.1505%3,184
Net loans and leases to total assets61.4990%2,000
Net loans and leases to deposits71.6452%1,950
Net loans and leases to core deposits72.7423%2,185
Total domestic deposits to total assets85.8382%2,962
Equity capital to assets11.6041%1,455
Core capital (leverage) ratio10.9827%1,571
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$791,277,2001,174
Average earning assets$743,127,8001,162
Average equity$100,952,0001,004
Average total loans$513,794,6001,137
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9344%1,673
Cost of funding earning assets0.4950%1,072
Net interest margin3.4394%2,044
Noninterest income to average assets0.7153%1,773
Noninterest expense to average assets1.9042%3,935
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.5965%1,043
Return on assets (ROA)1.5965%1,088
Pretax return on assets2.0368%750
Return on Equity (ROE)12.1872%1,988
Retained earnings to average equity (ytd only)7.6687%2,157
Net charge-offs to loans0.0021%2,308
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)1,457.2500%102
Efficiency ratio48.3176%4,344
Assets per employee ($millions)8.2554%1,152
Cash dividends to net income (ytd only)*37.0759%1,749
Condition Ratios (%)
Loss allowance to loans1.4845%1,697
Loan loss allowance to noncurrent loans528.6322%1,308
Noncurrent assets plus other real estate owned to assets0.1692%2,995
Noncurrent loans to loans0.2808%2,793
Net loans and leases to total assets59.3685%2,335
Net loans and leases to deposits70.9241%2,152
Net loans and leases to core deposits72.5187%2,376
Total domestic deposits to total assets83.7071%3,537
Equity capital to assets12.3111%1,256
Core capital (leverage) ratio11.4680%1,389
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$763,152,0001,216
Average earning assets$715,717,0001,210
Average equity$99,971,2501,028
Average total loans$501,425,7501,177
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2843%1,030
Cost of funding earning assets0.5290%1,038
Net interest margin3.7553%1,209
Noninterest income to average assets0.6714%1,923
Noninterest expense to average assets1.9875%3,741
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.7139%851
Return on assets (ROA)1.7139%903
Pretax return on assets2.1909%584
Return on Equity (ROE)12.7939%1,787
Retained earnings to average equity (ytd only)9.6812%1,501
Net charge-offs to loans0.0032%2,067
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)1,012.7500%124
Efficiency ratio47.5667%4,418
Assets per employee ($millions)7.6648%1,386
Cash dividends to net income (ytd only)*24.3294%2,333
Condition Ratios (%)
Loss allowance to loans1.5211%1,521
Loan loss allowance to noncurrent loans163.9121%2,742
Noncurrent assets plus other real estate owned to assets0.6057%1,378
Noncurrent loans to loans0.9280%1,331
Net loans and leases to total assets64.2816%1,917
Net loans and leases to deposits77.5717%1,671
Net loans and leases to core deposits79.6436%1,913
Total domestic deposits to total assets82.8673%3,737
Equity capital to assets13.5547%811
Core capital (leverage) ratio12.9066%821
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$739,605,3331,243
Average earning assets$690,709,0001,240
Average equity$99,078,6671,031
Average total loans$501,078,0001,184
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7029%569
Cost of funding earning assets0.5446%1,139
Net interest margin4.1583%657
Noninterest income to average assets0.5849%2,274
Noninterest expense to average assets2.0272%3,637
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.8816%687
Return on assets (ROA)1.8816%737
Pretax return on assets2.4409%490
Return on Equity (ROE)14.1316%1,407
Retained earnings to average equity (ytd only)7.8191%2,309
Net charge-offs to loans0.0032%1,814
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)1,119.5000%81
Efficiency ratio45.3703%4,507
Assets per employee ($millions)8.3038%1,064
Cash dividends to net income (ytd only)*44.6698%1,265
Condition Ratios (%)
Loss allowance to loans1.4508%1,774
Loan loss allowance to noncurrent loans2,675.2688%296
Noncurrent assets plus other real estate owned to assets0.0378%4,102
Noncurrent loans to loans0.0542%4,018
Net loans and leases to total assets68.6042%1,454
Net loans and leases to deposits83.6446%1,186
Net loans and leases to core deposits86.2380%1,504
Total domestic deposits to total assets82.0187%3,893
Equity capital to assets13.1561%870
Core capital (leverage) ratio13.0143%838
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$733,834,5001,238
Average earning assets$685,286,0001,240
Average equity$97,710,0001,028
Average total loans$506,463,5001,173
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2994%1,873
Cost of funding earning assets0.8663%969
Net interest margin3.4332%2,662
Noninterest income to average assets0.7672%1,636
Noninterest expense to average assets2.0789%3,978
Loan and lease loss provision to assets0.2127%1,845
Net operating income to assets1.3275%1,184
Return on assets (ROA)1.4830%919
Pretax return on assets1.8705%586
Return on Equity (ROE)10.7178%1,736
Retained earnings to average equity (ytd only)6.7773%1,471
Net charge-offs to loans0.0484%2,102
Credit loss provision to net charge-offs578.3133%1,133
Earnings coverage of net charge-offs (x)51.2972%1,175
Efficiency ratio52.4283%4,357
Assets per employee ($millions)8.1868%976
Cash dividends to net income (ytd only)*36.7656%2,514
Condition Ratios (%)
Loss allowance to loans1.4980%1,589
Loan loss allowance to noncurrent loans3,909.4241%248
Noncurrent assets plus other real estate owned to assets0.0262%4,246
Noncurrent loans to loans0.0383%4,153
Net loans and leases to total assets67.3845%1,905
Net loans and leases to deposits81.3178%1,730
Net loans and leases to core deposits84.9557%1,955
Total domestic deposits to total assets82.8657%3,449
Equity capital to assets13.4762%936
Core capital (leverage) ratio13.0699%881
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$677,146,8001,206
Average earning assets$630,756,0001,212
Average equity$93,694,6001,022
Average total loans$514,177,4001,113
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2546%2,237
Cost of funding earning assets0.9292%962
Net interest margin3.3254%3,114
Noninterest income to average assets0.6947%1,818
Noninterest expense to average assets2.0557%4,033
Loan and lease loss provision to assets0.2589%1,565
Net operating income to assets1.1278%1,888
Return on assets (ROA)1.3392%1,357
Pretax return on assets1.7528%863
Return on Equity (ROE)9.6097%2,161
Retained earnings to average equity (ytd only)4.2921%2,899
Net charge-offs to loans0.0468%1,945
Credit loss provision to net charge-offs708.7912%1,061
Earnings coverage of net charge-offs (x)47.7473%1,227
Efficiency ratio54.0989%4,135
Assets per employee ($millions)7.8314%1,064
Cash dividends to net income (ytd only)*55.3357%1,271
Condition Ratios (%)
Loss allowance to loans1.4273%1,622
Loan loss allowance to noncurrent loans118.5774%3,048
Noncurrent assets plus other real estate owned to assets0.8936%1,289
Noncurrent loans to loans1.2037%1,265
Net loans and leases to total assets73.1729%1,475
Net loans and leases to deposits89.2843%1,341
Net loans and leases to core deposits93.5052%1,675
Total domestic deposits to total assets81.9549%3,432
Equity capital to assets13.5241%994
Core capital (leverage) ratio12.8673%984
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$664,276,7501,212
Average earning assets$620,297,7501,211
Average equity$92,570,5001,019
Average total loans$518,109,5001,098
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4729%1,999
Cost of funding earning assets0.9909%1,014
Net interest margin3.4821%2,850
Noninterest income to average assets0.7117%1,701
Noninterest expense to average assets2.0393%4,154
Loan and lease loss provision to assets0.2449%1,720
Net operating income to assets1.3262%1,289
Return on assets (ROA)1.6527%737
Pretax return on assets2.0745%475
Return on Equity (ROE)11.7361%1,412
Retained earnings to average equity (ytd only)7.7255%1,394
Net charge-offs to loans0.0776%1,470
Credit loss provision to net charge-offs398.0100%1,414
Earnings coverage of net charge-offs (x)31.0647%1,405
Efficiency ratio51.6194%4,389
Assets per employee ($millions)7.9486%989
Cash dividends to net income (ytd only)*34.1730%2,176
Condition Ratios (%)
Loss allowance to loans1.3065%1,972
Loan loss allowance to noncurrent loans365.7447%1,326
Noncurrent assets plus other real estate owned to assets0.2719%3,231
Noncurrent loans to loans0.3572%3,121
Net loans and leases to total assets75.1096%1,258
Net loans and leases to deposits91.5454%1,209
Net loans and leases to core deposits96.7779%1,517
Total domestic deposits to total assets82.0463%3,355
Equity capital to assets13.6568%941
Core capital (leverage) ratio13.5809%856
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$653,371,3331,206
Average earning assets$607,744,3331,210
Average equity$92,006,6671,016
Average total loans$518,347,6671,085
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8405%1,331
Cost of funding earning assets1.0623%1,173
Net interest margin3.7782%2,058
Noninterest income to average assets0.5215%2,433
Noninterest expense to average assets2.0905%4,234
Loan and lease loss provision to assets0.1381%2,004
Net operating income to assets1.3546%1,093
Return on assets (ROA)1.8673%398
Pretax return on assets2.4361%186
Return on Equity (ROE)13.0456%874
Retained earnings to average equity (ytd only)4.9169%2,309
Net charge-offs to loans0.0770%1,256
Credit loss provision to net charge-offs221.2121%1,362
Earnings coverage of net charge-offs (x)30.8384%1,161
Efficiency ratio52.0572%4,547
Assets per employee ($millions)7.3284%959
Cash dividends to net income (ytd only)*62.3100%1,337
Condition Ratios (%)
Loss allowance to loans1.2477%2,408
Loan loss allowance to noncurrent loans77.4737%3,612
Noncurrent assets plus other real estate owned to assets1.3255%874
Noncurrent loans to loans1.6105%963
Net loans and leases to total assets81.2786%531
Net loans and leases to deposits101.1350%485
Net loans and leases to core deposits108.1519%942
Total domestic deposits to total assets80.3665%3,786
Equity capital to assets14.6609%844
Core capital (leverage) ratio13.7237%981
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$634,292,5001,206
Average earning assets$586,630,5001,214
Average equity$90,789,5001,025
Average total loans$514,381,0001,073
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9252%1,681
Cost of funding earning assets1.1683%1,100
Net interest margin3.7569%2,646
Noninterest income to average assets0.5654%2,396
Noninterest expense to average assets2.1019%4,365
Loan and lease loss provision to assets0.1026%2,014
Net operating income to assets1.4763%1,112
Return on assets (ROA)1.5161%1,076
Pretax return on assets1.8888%765
Return on Equity (ROE)10.7648%1,981
Retained earnings to average equity (ytd only)6.4862%1,617
Net charge-offs to loans0.0350%2,687
Credit loss provision to net charge-offs367.2515%760
Earnings coverage of net charge-offs (x)69.5263%889
Efficiency ratio51.9830%4,607
Assets per employee ($millions)7.5961%834
Cash dividends to net income (ytd only)*39.7458%2,615
Condition Ratios (%)
Loss allowance to loans1.2161%2,343
Loan loss allowance to noncurrent loans676.2931%767
Noncurrent assets plus other real estate owned to assets0.1437%3,917
Noncurrent loans to loans0.1798%3,811
Net loans and leases to total assets78.9555%939
Net loans and leases to deposits102.4810%445
Net loans and leases to core deposits108.8880%919
Total domestic deposits to total assets77.0440%4,484
Equity capital to assets13.9783%1,107
Core capital (leverage) ratio13.8790%959
Tier 1 risk-based capital ratio14.0830%3,225
Total risk-based capital ratio15.1173%3,242
Memoranda:
Average total assets$612,345,2001,207
Average earning assets$566,903,6001,204
Average equity$86,244,2001,022
Average total loans$488,933,0001,100
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9576%1,657
Cost of funding earning assets1.1854%1,072
Net interest margin3.7721%2,678
Noninterest income to average assets0.5488%2,468
Noninterest expense to average assets2.1085%4,345
Loan and lease loss provision to assets0.0996%1,932
Net operating income to assets1.4825%1,235
Return on assets (ROA)1.5364%1,150
Pretax return on assets1.9109%840
Return on Equity (ROE)10.8864%2,062
Retained earnings to average equity (ytd only)5.1147%2,842
Net charge-offs to loans0.0382%2,326
Credit loss provision to net charge-offs326.8116%906
Earnings coverage of net charge-offs (x)63.7883%1,022
Efficiency ratio52.0403%4,589
Assets per employee ($millions)6.9705%1,037
Cash dividends to net income (ytd only)*53.0173%1,539
Condition Ratios (%)
Loss allowance to loans1.2710%2,112
Loan loss allowance to noncurrent loans614.5291%836
Noncurrent assets plus other real estate owned to assets0.1870%3,825
Noncurrent loans to loans0.2068%3,795
Net loans and leases to total assets80.4084%794
Net loans and leases to deposits100.1263%622
Net loans and leases to core deposits106.5003%1,150
Total domestic deposits to total assets80.3070%3,920
Equity capital to assets14.9005%870
Core capital (leverage) ratio14.0961%961
Tier 1 risk-based capital ratio14.5958%3,027
Total risk-based capital ratio15.6741%3,028
Memoranda:
Average total assets$604,013,7501,218
Average earning assets$560,906,2501,215
Average equity$85,241,7501,026
Average total loans$482,149,0001,116
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9279%1,672
Cost of funding earning assets1.1910%1,019
Net interest margin3.7369%2,805
Noninterest income to average assets0.5060%2,641
Noninterest expense to average assets2.0916%4,430
Loan and lease loss provision to assets0.0905%2,042
Net operating income to assets1.3915%1,456
Return on assets (ROA)1.4707%1,281
Pretax return on assets1.8787%873
Return on Equity (ROE)10.6141%2,134
Retained earnings to average equity (ytd only)6.2331%2,177
Net charge-offs to loans0.0519%1,904
Credit loss provision to net charge-offs220.0000%1,131
Earnings coverage of net charge-offs (x)45.4400%1,170
Efficiency ratio52.8122%4,578
Assets per employee ($millions)7.1374%936
Cash dividends to net income (ytd only)*41.2752%2,145
Condition Ratios (%)
Loss allowance to loans1.2226%2,402
Loan loss allowance to noncurrent loans1,359.9089%459
Noncurrent assets plus other real estate owned to assets0.0885%4,331
Noncurrent loans to loans0.0899%4,282
Net loans and leases to total assets81.4165%683
Net loans and leases to deposits103.1081%464
Net loans and leases to core deposits110.7481%938
Total domestic deposits to total assets78.9623%4,233
Equity capital to assets14.6604%906
Core capital (leverage) ratio13.8071%1,022
Tier 1 risk-based capital ratio14.4554%3,086
Total risk-based capital ratio15.4997%3,102
Memoranda:
Average total assets$607,855,0001,211
Average earning assets$561,903,3301,219
Average equity$84,227,6701,031
Average total loans$482,017,0001,119
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8012%1,896
Cost of funding earning assets1.0965%1,196
Net interest margin3.7046%2,876
Noninterest income to average assets0.4724%2,721
Noninterest expense to average assets2.0839%4,484
Loan and lease loss provision to assets0.0858%1,990
Net operating income to assets1.3386%1,564
Return on assets (ROA)1.3483%1,568
Pretax return on assets1.7135%1,179
Return on Equity (ROE)10.0100%2,368
Retained earnings to average equity (ytd only)1.1095%4,286
Net charge-offs to loans-0.0008%3,798
Credit loss provision to net charge-offs-13,200.0000%4,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.8358%4,546
Assets per employee ($millions)7.3689%856
Cash dividends to net income (ytd only)*88.9157%760
Condition Ratios (%)
Loss allowance to loans1.2181%2,485
Loan loss allowance to noncurrent loans3,652.1472%190
Noncurrent assets plus other real estate owned to assets0.0405%4,634
Noncurrent loans to loans0.0334%4,623
Net loans and leases to total assets78.9296%998
Net loans and leases to deposits104.7135%370
Net loans and leases to core deposits111.8627%838
Total domestic deposits to total assets75.3767%4,828
Equity capital to assets13.6925%1,132
Core capital (leverage) ratio13.1445%1,206
Tier 1 risk-based capital ratio13.8273%3,437
Total risk-based capital ratio14.8502%3,466
Memoranda:
Average total assets$615,579,0001,204
Average earning assets$564,698,0001,216
Average equity$82,917,0001,041
Average total loans$478,882,0001,126
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5769%2,205
Cost of funding earning assets0.8998%1,097
Net interest margin3.6771%3,131
Noninterest income to average assets0.5420%2,598
Noninterest expense to average assets2.0854%4,598
Loan and lease loss provision to assets0.0915%2,320
Net operating income to assets1.4333%1,326
Return on assets (ROA)1.4016%1,420
Pretax return on assets1.7114%1,137
Return on Equity (ROE)10.4881%2,297
Retained earnings to average equity (ytd only)5.8276%2,281
Net charge-offs to loans0.0094%3,356
Credit loss provision to net charge-offs1,290.4762%315
Earnings coverage of net charge-offs (x)259.7619%368
Efficiency ratio53.1055%4,710
Assets per employee ($millions)7.4643%809
Cash dividends to net income (ytd only)*44.4364%2,281
Condition Ratios (%)
Loss allowance to loans1.2408%2,351
Loan loss allowance to noncurrent loans4,770.4918%169
Noncurrent assets plus other real estate owned to assets0.0334%4,687
Noncurrent loans to loans0.0260%4,658
Net loans and leases to total assets74.7721%1,801
Net loans and leases to deposits99.6687%771
Net loans and leases to core deposits103.4050%1,464
Total domestic deposits to total assets75.0207%4,867
Equity capital to assets13.2499%1,234
Core capital (leverage) ratio13.9680%932
Tier 1 risk-based capital ratio14.1078%3,239
Total risk-based capital ratio15.1312%3,270
Memoranda:
Average total assets$592,448,4001,216
Average earning assets$545,369,4001,223
Average equity$79,175,6001,036
Average total loans$446,444,8001,152
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5059%2,278
Cost of funding earning assets0.8354%1,170
Net interest margin3.6705%3,120
Noninterest income to average assets0.5227%2,728
Noninterest expense to average assets2.0737%4,601
Loan and lease loss provision to assets0.0899%2,180
Net operating income to assets1.4524%1,317
Return on assets (ROA)1.4092%1,451
Pretax return on assets1.7078%1,264
Return on Equity (ROE)10.5206%2,383
Retained earnings to average equity (ytd only)4.2490%3,649
Net charge-offs to loans0.0112%3,019
Credit loss provision to net charge-offs1,067.5676%397
Earnings coverage of net charge-offs (x)219.6311%414
Efficiency ratio52.8518%4,724
Assets per employee ($millions)6.9406%956
Cash dividends to net income (ytd only)*59.6123%1,215
Condition Ratios (%)
Loss allowance to loans1.2523%2,358
Loan loss allowance to noncurrent loans2,027.8571%318
Noncurrent assets plus other real estate owned to assets0.0712%4,621
Noncurrent loans to loans0.0618%4,611
Net loans and leases to total assets76.7948%1,535
Net loans and leases to deposits99.7065%813
Net loans and leases to core deposits106.7344%1,253
Total domestic deposits to total assets77.0208%4,642
Equity capital to assets13.5320%1,123
Core capital (leverage) ratio13.5513%1,086
Tier 1 risk-based capital ratio14.1199%3,305
Total risk-based capital ratio15.1462%3,329
Memoranda:
Average total assets$585,676,2501,234
Average earning assets$542,650,0001,233
Average equity$78,447,5001,039
Average total loans$440,790,7501,162
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4156%2,366
Cost of funding earning assets0.8051%1,104
Net interest margin3.6104%3,271
Noninterest income to average assets0.5033%2,842
Noninterest expense to average assets2.0352%4,736
Loan and lease loss provision to assets0.0904%2,117
Net operating income to assets1.3674%1,544
Return on assets (ROA)1.3049%1,749
Pretax return on assets1.6343%1,390
Return on Equity (ROE)9.7753%2,675
Retained earnings to average equity (ytd only)5.8494%2,640
Net charge-offs to loans0.0009%3,188
Credit loss provision to net charge-offs13,250.0000%29
Earnings coverage of net charge-offs (x)2,643.5000%22
Efficiency ratio53.0295%4,778
Assets per employee ($millions)6.8635%983
Cash dividends to net income (ytd only)*40.1620%2,120
Condition Ratios (%)
Loss allowance to loans1.2595%2,382
Loan loss allowance to noncurrent loans1,016.9399%590
Noncurrent assets plus other real estate owned to assets0.1112%4,439
Noncurrent loans to loans0.1239%4,353
Net loans and leases to total assets75.9150%1,651
Net loans and leases to deposits96.5741%1,090
Net loans and leases to core deposits101.8121%1,576
Total domestic deposits to total assets78.6080%4,489
Equity capital to assets13.7656%1,004
Core capital (leverage) ratio13.5637%1,048
Tier 1 risk-based capital ratio14.2310%3,245
Total risk-based capital ratio15.2509%3,280
Memoranda:
Average total assets$586,564,6701,231
Average earning assets$541,765,6701,238
Average equity$78,299,0001,040
Average total loans$436,587,6701,173
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3280%2,427
Cost of funding earning assets0.7516%1,182
Net interest margin3.5764%3,264
Noninterest income to average assets0.4963%2,823
Noninterest expense to average assets2.0095%4,830
Loan and lease loss provision to assets0.0899%2,009
Net operating income to assets1.3415%1,506
Return on assets (ROA)1.3415%1,521
Pretax return on assets1.6850%1,153
Return on Equity (ROE)10.2048%2,331
Retained earnings to average equity (ytd only)2.2992%4,243
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.0999%4,875
Assets per employee ($millions)6.5780%1,163
Cash dividends to net income (ytd only)*77.4698%878
Condition Ratios (%)
Loss allowance to loans1.2585%2,467
Loan loss allowance to noncurrent loans995.0730%603
Noncurrent assets plus other real estate owned to assets0.0957%4,613
Noncurrent loans to loans0.1265%4,398
Net loans and leases to total assets73.9110%1,866
Net loans and leases to deposits100.1587%698
Net loans and leases to core deposits104.8918%1,316
Total domestic deposits to total assets73.7939%5,175
Equity capital to assets13.3403%1,096
Core capital (leverage) ratio12.9302%1,206
Tier 1 risk-based capital ratio14.0594%3,352
Total risk-based capital ratio15.0674%3,396
Memoranda:
Average total assets$591,580,5001,227
Average earning assets$543,894,5001,238
Average equity$77,767,0001,052
Average total loans$433,252,5001,185
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1914%2,713
Cost of funding earning assets0.6575%1,260
Net interest margin3.5339%3,408
Noninterest income to average assets0.5365%2,791
Noninterest expense to average assets2.0776%4,818
Loan and lease loss provision to assets0.1194%1,917
Net operating income to assets1.1567%1,660
Return on assets (ROA)1.1928%1,569
Pretax return on assets1.6754%1,079
Return on Equity (ROE)9.1247%2,255
Retained earnings to average equity (ytd only)5.7010%1,708
Net charge-offs to loans-0.0663%5,260
Credit loss provision to net charge-offs-248.7365%4,841
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.4007%4,997
Assets per employee ($millions)6.8670%1,033
Cash dividends to net income (ytd only)*37.5218%2,970
Condition Ratios (%)
Loss allowance to loans1.2280%2,614
Loan loss allowance to noncurrent loans2,429.2237%313
Noncurrent assets plus other real estate owned to assets0.0362%4,956
Noncurrent loans to loans0.0506%4,764
Net loans and leases to total assets70.8075%2,394
Net loans and leases to deposits95.3824%1,138
Net loans and leases to core deposits99.4067%1,759
Total domestic deposits to total assets74.2355%5,159
Equity capital to assets12.9591%1,288
Core capital (leverage) ratio13.0081%1,139
Tier 1 risk-based capital ratio13.9359%3,396
Total risk-based capital ratio14.9164%3,450
Memoranda:
Average total assets$577,110,6001,238
Average earning assets$536,456,6001,231
Average equity$75,443,2001,066
Average total loans$417,838,8001,192
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1603%2,752
Cost of funding earning assets0.6495%1,245
Net interest margin3.5108%3,468
Noninterest income to average assets0.5167%2,927
Noninterest expense to average assets2.1382%4,657
Loan and lease loss provision to assets0.1185%1,827
Net operating income to assets1.1674%1,809
Return on assets (ROA)1.1993%1,729
Pretax return on assets1.5921%1,452
Return on Equity (ROE)9.1532%2,521
Retained earnings to average equity (ytd only)4.5445%3,191
Net charge-offs to loans-0.0963%5,370
Credit loss provision to net charge-offs-169.5652%4,598
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.1932%4,829
Assets per employee ($millions)6.4197%1,234
Cash dividends to net income (ytd only)*50.3508%1,748
Condition Ratios (%)
Loss allowance to loans1.2474%2,657
Loan loss allowance to noncurrent loans1,714.2857%377
Noncurrent assets plus other real estate owned to assets0.1896%4,344
Noncurrent loans to loans0.0728%4,786
Net loans and leases to total assets72.3092%2,209
Net loans and leases to deposits94.8539%1,218
Net loans and leases to core deposits98.7922%1,818
Total domestic deposits to total assets76.2322%4,995
Equity capital to assets13.6356%1,106
Core capital (leverage) ratio13.1029%1,171
Tier 1 risk-based capital ratio14.1482%3,379
Total risk-based capital ratio15.1362%3,429
Memoranda:
Average total assets$570,313,2501,260
Average earning assets$534,373,5001,245
Average equity$74,726,0001,078
Average total loans$413,996,0001,212
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0887%2,862
Cost of funding earning assets0.6328%1,243
Net interest margin3.4559%3,567
Noninterest income to average assets0.5058%2,986
Noninterest expense to average assets2.1056%4,762
Loan and lease loss provision to assets0.1175%1,751
Net operating income to assets1.1281%1,861
Return on assets (ROA)1.1550%1,806
Pretax return on assets1.5591%1,461
Return on Equity (ROE)8.9349%2,540
Retained earnings to average equity (ytd only)5.4437%2,442
Net charge-offs to loans-0.1256%5,479
Credit loss provision to net charge-offs-129.2308%4,395
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.2217%4,903
Assets per employee ($millions)6.5477%1,125
Cash dividends to net income (ytd only)*39.0738%2,367
Condition Ratios (%)
Loss allowance to loans1.1914%3,069
Loan loss allowance to noncurrent loans2,097.4576%328
Noncurrent assets plus other real estate owned to assets0.1766%4,474
Noncurrent loans to loans0.0568%4,905
Net loans and leases to total assets72.0697%2,195
Net loans and leases to deposits92.7405%1,395
Net loans and leases to core deposits96.4171%1,939
Total domestic deposits to total assets77.7111%4,862
Equity capital to assets13.4043%1,187
Core capital (leverage) ratio12.8612%1,237
Tier 1 risk-based capital ratio14.0884%3,381
Total risk-based capital ratio15.0406%3,459
Memoranda:
Average total assets$572,107,0001,266
Average earning assets$536,361,6701,241
Average equity$73,957,3301,086
Average total loans$414,108,6701,209
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9787%3,118
Cost of funding earning assets0.6022%1,356
Net interest margin3.3765%3,729
Noninterest income to average assets0.4974%2,997
Noninterest expense to average assets2.1000%4,849
Loan and lease loss provision to assets0.1123%1,707
Net operating income to assets1.0842%1,936
Return on assets (ROA)1.0842%1,978
Pretax return on assets1.4379%1,740
Return on Equity (ROE)8.5434%2,650
Retained earnings to average equity (ytd only)1.4459%4,527
Net charge-offs to loans-0.1635%5,581
Credit loss provision to net charge-offs-95.2663%3,934
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4985%4,890
Assets per employee ($millions)6.5458%1,161
Cash dividends to net income (ytd only)*83.0759%922
Condition Ratios (%)
Loss allowance to loans1.1314%3,509
Loan loss allowance to noncurrent loans802.0548%707
Noncurrent assets plus other real estate owned to assets0.2462%4,233
Noncurrent loans to loans0.1411%4,625
Net loans and leases to total assets71.0597%2,209
Net loans and leases to deposits90.2799%1,502
Net loans and leases to core deposits94.5468%1,931
Total domestic deposits to total assets78.7105%4,879
Equity capital to assets12.6930%1,407
Core capital (leverage) ratio12.5565%1,311
Tier 1 risk-based capital ratio13.6819%3,671
Total risk-based capital ratio14.5774%3,787
Memoranda:
Average total assets$573,337,5001,254
Average earning assets$535,351,0001,242
Average equity$72,757,5001,094
Average total loans$413,417,0001,211
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1323%2,728
Cost of funding earning assets0.6031%1,307
Net interest margin3.5292%3,325
Noninterest income to average assets0.5555%2,885
Noninterest expense to average assets2.0749%5,043
Loan and lease loss provision to assets0.0850%2,657
Net operating income to assets1.2190%1,440
Return on assets (ROA)1.3654%1,118
Pretax return on assets1.8955%630
Return on Equity (ROE)10.5552%1,749
Retained earnings to average equity (ytd only)6.9805%1,235
Net charge-offs to loans0.0982%2,308
Credit loss provision to net charge-offs118.7500%2,235
Earnings coverage of net charge-offs (x)24.8175%1,616
Efficiency ratio53.3671%5,294
Assets per employee ($millions)6.6354%1,084
Cash dividends to net income (ytd only)*33.8665%3,165
Condition Ratios (%)
Loss allowance to loans1.0547%3,983
Loan loss allowance to noncurrent loans649.8507%851
Noncurrent assets plus other real estate owned to assets0.2667%4,220
Noncurrent loans to loans0.1623%4,585
Net loans and leases to total assets71.5806%2,225
Net loans and leases to deposits88.4034%1,874
Net loans and leases to core deposits92.2470%2,278
Total domestic deposits to total assets80.9703%4,342
Equity capital to assets12.6873%1,405
Core capital (leverage) ratio11.9589%1,628
Tier 1 risk-based capital ratio12.8825%4,145
Total risk-based capital ratio13.7236%4,281
Memoranda:
Average total assets$558,589,8001,246
Average earning assets$521,766,8001,232
Average equity$72,258,4001,094
Average total loans$407,238,2001,185
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1857%2,558
Cost of funding earning assets0.6041%1,293
Net interest margin3.5816%3,153
Noninterest income to average assets0.5397%2,981
Noninterest expense to average assets2.0046%5,190
Loan and lease loss provision to assets0.0672%2,876
Net operating income to assets1.2680%1,390
Return on assets (ROA)1.4325%1,052
Pretax return on assets2.0509%510
Return on Equity (ROE)11.0193%1,660
Retained earnings to average equity (ytd only)6.2508%2,035
Net charge-offs to loans0.0233%3,213
Credit loss provision to net charge-offs394.3662%848
Earnings coverage of net charge-offs (x)110.5262%611
Efficiency ratio51.0679%5,439
Assets per employee ($millions)6.4881%1,118
Cash dividends to net income (ytd only)*43.2735%2,211
Condition Ratios (%)
Loss allowance to loans1.0989%3,842
Loan loss allowance to noncurrent loans183.1089%2,399
Noncurrent assets plus other real estate owned to assets0.5799%3,162
Noncurrent loans to loans0.6002%3,212
Net loans and leases to total assets73.2396%1,990
Net loans and leases to deposits91.4127%1,579
Net loans and leases to core deposits95.9796%1,990
Total domestic deposits to total assets80.1197%4,487
Equity capital to assets13.3682%1,311
Core capital (leverage) ratio12.7549%1,288
Tier 1 risk-based capital ratio14.0819%3,517
Total risk-based capital ratio14.9936%3,627
Memoranda:
Average total assets$555,577,0001,252
Average earning assets$519,340,7501,232
Average equity$72,223,2501,100
Average total loans$405,842,2501,191
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2436%2,352
Cost of funding earning assets0.6009%1,309
Net interest margin3.6427%2,927
Noninterest income to average assets0.4934%3,241
Noninterest expense to average assets1.9955%5,276
Loan and lease loss provision to assets0.0697%2,748
Net operating income to assets1.2777%1,341
Return on assets (ROA)1.4856%962
Pretax return on assets2.1234%444
Return on Equity (ROE)11.5360%1,466
Retained earnings to average equity (ytd only)7.9361%1,190
Net charge-offs to loans0.0193%3,114
Credit loss provision to net charge-offs497.4359%662
Earnings coverage of net charge-offs (x)135.3846%441
Efficiency ratio50.7890%5,519
Assets per employee ($millions)6.9538%891
Cash dividends to net income (ytd only)*31.2062%2,790
Condition Ratios (%)
Loss allowance to loans1.0810%4,041
Loan loss allowance to noncurrent loans506.1644%1,051
Noncurrent assets plus other real estate owned to assets0.2992%4,305
Noncurrent loans to loans0.2136%4,587
Net loans and leases to total assets74.8082%1,684
Net loans and leases to deposits92.0004%1,515
Net loans and leases to core deposits96.5417%1,931
Total domestic deposits to total assets81.3129%4,183
Equity capital to assets13.6356%1,166
Core capital (leverage) ratio12.7880%1,240
Tier 1 risk-based capital ratio14.4074%3,375
Total risk-based capital ratio15.3241%3,480
Memoranda:
Average total assets$556,940,3301,257
Average earning assets$519,558,3301,236
Average equity$71,723,0001,108
Average total loans$404,991,3301,200
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1883%2,517
Cost of funding earning assets0.5904%1,405
Net interest margin3.5979%3,086
Noninterest income to average assets0.4282%3,630
Noninterest expense to average assets1.9758%5,391
Loan and lease loss provision to assets0.0751%2,456
Net operating income to assets1.2171%1,500
Return on assets (ROA)1.3399%1,233
Pretax return on assets1.8858%715
Return on Equity (ROE)10.7075%1,712
Retained earnings to average equity (ytd only)10.7075%708
Net charge-offs to loans0.0089%2,824
Credit loss provision to net charge-offs1,177.7778%334
Earnings coverage of net charge-offs (x)280.2222%214
Efficiency ratio51.9872%5,517
Assets per employee ($millions)7.1984%817
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.0810%4,161
Loan loss allowance to noncurrent loans387.5996%1,301
Noncurrent assets plus other real estate owned to assets0.3385%4,205
Noncurrent loans to loans0.2789%4,433
Net loans and leases to total assets72.2453%1,996
Net loans and leases to deposits89.1626%1,682
Net loans and leases to core deposits93.3810%2,061
Total domestic deposits to total assets81.0264%4,488
Equity capital to assets12.9296%1,445
Core capital (leverage) ratio12.4796%1,348
Tier 1 risk-based capital ratio13.8117%3,805
Total risk-based capital ratio14.6989%3,934
Memoranda:
Average total assets$564,213,0001,246
Average earning assets$523,078,0001,232
Average equity$70,605,0001,115
Average total loans$402,392,0001,196
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1759%2,640
Cost of funding earning assets0.5884%1,446
Net interest margin3.5875%3,185
Noninterest income to average assets0.4992%3,334
Noninterest expense to average assets1.9390%5,561
Loan and lease loss provision to assets0.0219%3,947
Net operating income to assets1.3574%1,129
Return on assets (ROA)1.4237%1,036
Pretax return on assets1.9795%561
Return on Equity (ROE)11.2896%1,513
Retained earnings to average equity (ytd only)7.4471%1,113
Net charge-offs to loans0.0216%3,837
Credit loss provision to net charge-offs142.6829%1,846
Earnings coverage of net charge-offs (x)124.1220%491
Efficiency ratio49.8635%5,767
Assets per employee ($millions)7.4543%718
Cash dividends to net income (ytd only)*34.0361%3,149
Condition Ratios (%)
Loss allowance to loans1.0698%4,211
Loan loss allowance to noncurrent loans319.8057%1,554
Noncurrent assets plus other real estate owned to assets0.3551%4,167
Noncurrent loans to loans0.3345%4,263
Net loans and leases to total assets68.9375%2,556
Net loans and leases to deposits84.9827%2,242
Net loans and leases to core deposits88.8093%2,523
Total domestic deposits to total assets81.1194%4,446
Equity capital to assets12.1643%1,838
Core capital (leverage) ratio12.2670%1,471
Tier 1 risk-based capital ratio13.8795%3,781
Total risk-based capital ratio14.7726%3,928
Memoranda:
Average total assets$533,058,4001,265
Average earning assets$497,642,8001,259
Average equity$67,221,0001,128
Average total loans$379,778,0001,214
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1940%2,594
Cost of funding earning assets0.5848%1,503
Net interest margin3.6092%3,123
Noninterest income to average assets0.5088%3,307
Noninterest expense to average assets1.9374%5,587
Loan and lease loss provision to assets0.0056%4,157
Net operating income to assets1.4133%1,078
Return on assets (ROA)1.4998%955
Pretax return on assets2.0761%526
Return on Equity (ROE)11.7786%1,438
Retained earnings to average equity (ytd only)6.6053%1,883
Net charge-offs to loans-0.0021%4,708
Credit loss provision to net charge-offs-366.6667%5,308
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.1661%5,819
Assets per employee ($millions)6.6319%1,011
Cash dividends to net income (ytd only)*43.9210%2,138
Condition Ratios (%)
Loss allowance to loans1.1441%3,971
Loan loss allowance to noncurrent loans399.2523%1,261
Noncurrent assets plus other real estate owned to assets0.3426%4,405
Noncurrent loans to loans0.2866%4,556
Net loans and leases to total assets70.4548%2,321
Net loans and leases to deposits86.6630%2,074
Net loans and leases to core deposits90.3375%2,432
Total domestic deposits to total assets81.2975%4,395
Equity capital to assets12.9178%1,492
Core capital (leverage) ratio12.4619%1,436
Tier 1 risk-based capital ratio14.6972%3,440
Total risk-based capital ratio15.6669%3,535
Memoranda:
Average total assets$522,827,7501,298
Average earning assets$491,102,7501,278
Average equity$66,571,0001,143
Average total loans$374,730,7501,227
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1418%2,746
Cost of funding earning assets0.5741%1,615
Net interest margin3.5678%3,220
Noninterest income to average assets0.5110%3,298
Noninterest expense to average assets1.9301%5,662
Loan and lease loss provision to assets0.0061%3,975
Net operating income to assets1.3972%1,094
Return on assets (ROA)1.4975%945
Pretax return on assets2.0644%526
Return on Equity (ROE)11.8184%1,428
Retained earnings to average equity (ytd only)7.9182%1,297
Net charge-offs to loans-0.0005%4,548
Credit loss provision to net charge-offs-1,600.0000%5,451
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.4352%5,877
Assets per employee ($millions)6.7876%933
Cash dividends to net income (ytd only)*33.0010%2,699
Condition Ratios (%)
Loss allowance to loans1.1287%4,188
Loan loss allowance to noncurrent loans294.2680%1,640
Noncurrent assets plus other real estate owned to assets0.4104%4,273
Noncurrent loans to loans0.3836%4,333
Net loans and leases to total assets70.5019%2,244
Net loans and leases to deposits86.2731%2,024
Net loans and leases to core deposits90.4872%2,302
Total domestic deposits to total assets81.7194%4,378
Equity capital to assets12.5550%1,629
Core capital (leverage) ratio12.2064%1,536
Tier 1 risk-based capital ratio14.5930%3,582
Total risk-based capital ratio15.5637%3,673
Memoranda:
Average total assets$522,463,6701,306
Average earning assets$490,897,0001,292
Average equity$66,201,6701,158
Average total loans$375,174,6701,229
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0731%2,943
Cost of funding earning assets0.5659%1,697
Net interest margin3.5072%3,411
Noninterest income to average assets0.5033%3,263
Noninterest expense to average assets1.9176%5,728
Loan and lease loss provision to assets0.0054%3,638
Net operating income to assets1.3102%1,235
Return on assets (ROA)1.5276%848
Pretax return on assets2.1727%404
Return on Equity (ROE)11.9998%1,353
Retained earnings to average equity (ytd only)11.9998%576
Net charge-offs to loans-0.0011%4,325
Credit loss provision to net charge-offs-700.0000%4,894
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.1324%5,909
Assets per employee ($millions)6.8321%927
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.1423%4,303
Loan loss allowance to noncurrent loans332.7074%1,431
Noncurrent assets plus other real estate owned to assets0.3807%4,496
Noncurrent loans to loans0.3433%4,558
Net loans and leases to total assets69.9461%2,147
Net loans and leases to deposits85.7064%1,871
Net loans and leases to core deposits88.5886%2,261
Total domestic deposits to total assets81.6112%4,634
Equity capital to assets12.7373%1,549
Core capital (leverage) ratio12.3502%1,426
Tier 1 risk-based capital ratio13.8457%4,122
Total risk-based capital ratio14.7725%4,230
Memoranda:
Average total assets$518,980,0001,320
Average earning assets$485,625,5001,305
Average equity$66,067,5001,162
Average total loans$374,002,0001,229
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2477%2,788
Cost of funding earning assets0.6232%1,584
Net interest margin3.6244%3,319
Noninterest income to average assets0.5201%3,359
Noninterest expense to average assets1.9740%5,813
Loan and lease loss provision to assets0.0177%4,258
Net operating income to assets1.3432%1,201
Return on assets (ROA)1.3456%1,247
Pretax return on assets1.9134%618
Return on Equity (ROE)10.6017%1,859
Retained earnings to average equity (ytd only)6.7008%1,547
Net charge-offs to loans0.0215%4,412
Credit loss provision to net charge-offs112.8205%2,105
Earnings coverage of net charge-offs (x)122.7436%430
Efficiency ratio49.0505%6,141
Assets per employee ($millions)6.4796%1,061
Cash dividends to net income (ytd only)*36.7949%3,017
Condition Ratios (%)
Loss allowance to loans1.1294%4,392
Loan loss allowance to noncurrent loans340.8835%1,462
Noncurrent assets plus other real estate owned to assets0.3848%4,545
Noncurrent loans to loans0.3313%4,654
Net loans and leases to total assets72.5825%1,810
Net loans and leases to deposits86.3431%1,938
Net loans and leases to core deposits89.2439%2,358
Total domestic deposits to total assets84.0630%3,689
Equity capital to assets12.7231%1,521
Core capital (leverage) ratio12.0070%1,608
Tier 1 risk-based capital ratio14.3178%3,889
Total risk-based capital ratio14.6172%4,424
Memoranda:
Average total assets$496,660,8001,339
Average earning assets$463,383,2001,325
Average equity$63,036,8001,159
Average total loans$362,409,8001,224
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2447%2,825
Cost of funding earning assets0.6124%1,741
Net interest margin3.6323%3,301
Noninterest income to average assets0.5094%3,488
Noninterest expense to average assets1.9908%5,785
Loan and lease loss provision to assets0.0070%4,280
Net operating income to assets1.3420%1,263
Return on assets (ROA)1.3337%1,339
Pretax return on assets1.8999%720
Return on Equity (ROE)10.5147%1,990
Retained earnings to average equity (ytd only)7.8935%1,413
Net charge-offs to loans0.0204%4,121
Credit loss provision to net charge-offs47.2727%3,151
Earnings coverage of net charge-offs (x)128.9663%462
Efficiency ratio49.0313%6,153
Assets per employee ($millions)6.6984%918
Cash dividends to net income (ytd only)*24.9291%3,019
Condition Ratios (%)
Loss allowance to loans1.2068%4,184
Loan loss allowance to noncurrent loans322.7168%1,427
Noncurrent assets plus other real estate owned to assets0.4119%4,685
Noncurrent loans to loans0.3740%4,788
Net loans and leases to total assets67.6169%2,597
Net loans and leases to deposits80.7647%2,578
Net loans and leases to core deposits83.0040%2,998
Total domestic deposits to total assets83.7209%3,871
Equity capital to assets12.7155%1,575
Core capital (leverage) ratio12.4094%1,453
Tier 1 risk-based capital ratio15.2923%3,424
Total risk-based capital ratio15.6279%3,901
Memoranda:
Average total assets$492,853,7501,360
Average earning assets$461,369,0001,340
Average equity$62,514,0001,178
Average total loans$359,065,7501,240
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3395%2,432
Cost of funding earning assets0.6065%1,853
Net interest margin3.7329%2,830
Noninterest income to average assets0.5248%3,308
Noninterest expense to average assets2.0183%5,809
Loan and lease loss provision to assets0.0094%4,046
Net operating income to assets1.3946%1,077
Return on assets (ROA)1.3954%1,120
Pretax return on assets1.9933%564
Return on Equity (ROE)11.0110%1,742
Retained earnings to average equity (ytd only)7.0320%1,756
Net charge-offs to loans0.0033%4,276
Credit loss provision to net charge-offs383.3333%718
Earnings coverage of net charge-offs (x)813.0000%80
Efficiency ratio48.2903%6,278
Assets per employee ($millions)6.1447%1,203
Cash dividends to net income (ytd only)*36.1364%2,569
Condition Ratios (%)
Loss allowance to loans1.2227%4,317
Loan loss allowance to noncurrent loans288.0081%1,562
Noncurrent assets plus other real estate owned to assets0.5020%4,502
Noncurrent loans to loans0.4245%4,723
Net loans and leases to total assets72.5837%1,637
Net loans and leases to deposits86.4977%1,771
Net loans and leases to core deposits88.6535%2,241
Total domestic deposits to total assets83.9140%3,953
Equity capital to assets13.3496%1,213
Core capital (leverage) ratio12.2934%1,506
Tier 1 risk-based capital ratio14.9118%3,684
Total risk-based capital ratio15.7649%3,862
Memoranda:
Average total assets$487,444,6701,375
Average earning assets$456,368,6701,346
Average equity$61,774,6701,178
Average total loans$362,611,0001,218
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3326%2,397
Cost of funding earning assets0.6038%1,942
Net interest margin3.7288%2,752
Noninterest income to average assets0.4990%3,418
Noninterest expense to average assets2.0623%5,756
Loan and lease loss provision to assets0.0073%3,724
Net operating income to assets1.3336%1,139
Return on assets (ROA)1.3336%1,180
Pretax return on assets1.9208%630
Return on Equity (ROE)10.7989%1,755
Retained earnings to average equity (ytd only)10.7989%784
Net charge-offs to loans-0.0032%4,752
Credit loss provision to net charge-offs-300.0000%5,043
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio49.5744%6,279
Assets per employee ($millions)6.6166%960
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.1371%4,942
Loan loss allowance to noncurrent loans275.5354%1,597
Noncurrent assets plus other real estate owned to assets0.4887%4,675
Noncurrent loans to loans0.4127%4,895
Net loans and leases to total assets74.3874%1,211
Net loans and leases to deposits90.8104%1,057
Net loans and leases to core deposits92.8337%1,654
Total domestic deposits to total assets81.9151%4,965
Equity capital to assets12.5268%1,559
Core capital (leverage) ratio11.9219%1,699
Tier 1 risk-based capital ratio13.8973%4,394
Total risk-based capital ratio14.6970%4,663
Memoranda:
Average total assets$494,594,5001,371
Average earning assets$463,093,0001,333
Average equity$61,080,5001,187
Average total loans$370,078,0001,194
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3735%2,677
Cost of funding earning assets0.7329%1,610
Net interest margin3.6405%3,281
Noninterest income to average assets0.5983%3,105
Noninterest expense to average assets2.2132%5,595
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.1991%1,567
Return on assets (ROA)1.1991%1,637
Pretax return on assets1.7360%882
Return on Equity (ROE)11.2687%1,680
Retained earnings to average equity (ytd only)7.8980%1,090
Net charge-offs to loans0.0208%5,016
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)118.8519%396
Efficiency ratio53.9247%6,141
Assets per employee ($millions)5.4393%1,711
Cash dividends to net income (ytd only)*29.9120%3,285
Condition Ratios (%)
Loss allowance to loans1.1029%5,132
Loan loss allowance to noncurrent loans184.2637%2,240
Noncurrent assets plus other real estate owned to assets0.6842%4,196
Noncurrent loans to loans0.5986%4,490
Net loans and leases to total assets74.1363%1,324
Net loans and leases to deposits87.7937%1,489
Net loans and leases to core deposits90.3612%1,981
Total domestic deposits to total assets84.4438%3,990
Equity capital to assets10.7045%2,929
Core capital (leverage) ratio10.4986%2,924
Tier 1 risk-based capital ratio12.5585%5,253
Total risk-based capital ratio13.2501%5,553
Memoranda:
Average total assets$369,694,6001,766
Average earning assets$340,278,4001,750
Average equity$39,339,0001,777
Average total loans$259,061,0001,602
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3728%2,685
Cost of funding earning assets0.7361%1,695
Net interest margin3.6367%3,293
Noninterest income to average assets0.6560%2,851
Noninterest expense to average assets2.2094%5,584
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.2276%1,538
Return on assets (ROA)1.2276%1,612
Pretax return on assets1.7913%924
Return on Equity (ROE)11.5544%1,641
Retained earnings to average equity (ytd only)8.5422%1,217
Net charge-offs to loans0.0032%5,147
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)824.6463%59
Efficiency ratio53.1264%6,172
Assets per employee ($millions)5.5256%1,599
Cash dividends to net income (ytd only)*26.0691%2,843
Condition Ratios (%)
Loss allowance to loans1.2414%4,692
Loan loss allowance to noncurrent loans244.0744%1,665
Noncurrent assets plus other real estate owned to assets0.6177%4,587
Noncurrent loans to loans0.5086%4,920
Net loans and leases to total assets65.7475%2,679
Net loans and leases to deposits76.7710%2,851
Net loans and leases to core deposits78.8750%3,244
Total domestic deposits to total assets85.6411%3,432
Equity capital to assets10.4542%3,337
Core capital (leverage) ratio10.8866%2,579
Tier 1 risk-based capital ratio13.2912%4,909
Total risk-based capital ratio14.0659%5,186
Memoranda:
Average total assets$368,290,7501,783
Average earning assets$338,724,2501,769
Average equity$39,130,0001,801
Average total loans$253,490,2501,639
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4416%2,412
Cost of funding earning assets0.7668%1,607
Net interest margin3.6748%3,064
Noninterest income to average assets0.6836%2,725
Noninterest expense to average assets2.2645%5,464
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.2353%1,499
Return on assets (ROA)1.2353%1,598
Pretax return on assets1.8002%927
Return on Equity (ROE)11.5616%1,616
Retained earnings to average equity (ytd only)7.0151%1,889
Net charge-offs to loans-0.0032%5,573
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.6163%6,173
Assets per employee ($millions)5.0525%2,052
Cash dividends to net income (ytd only)*39.3238%2,286
Condition Ratios (%)
Loss allowance to loans1.2730%4,629
Loan loss allowance to noncurrent loans323.5415%1,306
Noncurrent assets plus other real estate owned to assets0.5795%4,804
Noncurrent loans to loans0.3935%5,288
Net loans and leases to total assets68.3369%2,177
Net loans and leases to deposits79.6892%2,369
Net loans and leases to core deposits82.0903%2,789
Total domestic deposits to total assets85.7543%3,502
Equity capital to assets10.7366%3,013
Core capital (leverage) ratio10.5354%2,839
Tier 1 risk-based capital ratio13.1699%5,019
Total risk-based capital ratio13.9652%5,280
Memoranda:
Average total assets$363,966,6701,800
Average earning assets$334,879,6701,793
Average equity$38,887,3301,802
Average total loans$253,379,6701,640
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4528%2,339
Cost of funding earning assets0.7818%1,634
Net interest margin3.6710%2,983
Noninterest income to average assets0.6951%2,615
Noninterest expense to average assets2.2630%5,523
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.2243%1,453
Return on assets (ROA)1.2243%1,566
Pretax return on assets1.7829%913
Return on Equity (ROE)11.4860%1,562
Retained earnings to average equity (ytd only)11.4860%782
Net charge-offs to loans-0.0203%5,721
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.8565%6,242
Assets per employee ($millions)5.2226%1,951
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.2462%4,969
Loan loss allowance to noncurrent loans292.1659%1,350
Noncurrent assets plus other real estate owned to assets0.5695%4,968
Noncurrent loans to loans0.4266%5,352
Net loans and leases to total assets68.7109%1,888
Net loans and leases to deposits80.0382%2,067
Net loans and leases to core deposits82.2962%2,534
Total domestic deposits to total assets85.8476%3,612
Equity capital to assets10.8142%3,182
Core capital (leverage) ratio10.2774%3,044
Tier 1 risk-based capital ratio12.8471%5,343
Total risk-based capital ratio13.6325%5,606
Memoranda:
Average total assets$366,586,5001,800
Average earning assets$334,622,5001,811
Average equity$39,073,5001,814
Average total loans$255,917,5001,632
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8214%2,116
Cost of funding earning assets0.8899%1,990
Net interest margin3.9315%2,691
Noninterest income to average assets0.8504%2,043
Noninterest expense to average assets2.2322%5,853
Loan and lease loss provision to assets0.0844%4,647
Net operating income to assets1.4757%967
Return on assets (ROA)1.4826%1,054
Pretax return on assets2.1725%438
Return on Equity (ROE)14.0522%978
Retained earnings to average equity (ytd only)6.9768%1,577
Net charge-offs to loans0.0390%5,373
Credit loss provision to net charge-offs297.0297%827
Earnings coverage of net charge-offs (x)79.0297%481
Efficiency ratio47.8947%6,713
Assets per employee ($millions)5.3274%1,865
Cash dividends to net income (ytd only)*50.3512%2,288
Condition Ratios (%)
Loss allowance to loans1.2262%4,993
Loan loss allowance to noncurrent loans305.9109%1,270
Noncurrent assets plus other real estate owned to assets0.5520%5,098
Noncurrent loans to loans0.4008%5,490
Net loans and leases to total assets69.1838%2,000
Net loans and leases to deposits80.1445%2,260
Net loans and leases to core deposits82.8364%2,683
Total domestic deposits to total assets86.3239%3,187
Equity capital to assets10.5041%3,527
Core capital (leverage) ratio9.8461%3,611
Tier 1 risk-based capital ratio12.3978%5,541
Total risk-based capital ratio13.1760%5,789
Memoranda:
Average total assets$355,255,8001,826
Average earning assets$327,891,4001,808
Average equity$37,481,6001,853
Average total loans$259,275,0001,597
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8775%2,095
Cost of funding earning assets0.8827%2,288
Net interest margin3.9948%2,521
Noninterest income to average assets0.7750%2,353
Noninterest expense to average assets2.2549%5,807
Loan and lease loss provision to assets0.0852%4,544
Net operating income to assets1.4589%1,103
Return on assets (ROA)1.4682%1,204
Pretax return on assets2.1667%508
Return on Equity (ROE)13.8997%1,133
Retained earnings to average equity (ytd only)7.5627%1,814
Net charge-offs to loans0.0257%5,311
Credit loss provision to net charge-offs450.0000%592
Earnings coverage of net charge-offs (x)118.2311%363
Efficiency ratio48.2305%6,706
Assets per employee ($millions)5.3393%1,797
Cash dividends to net income (ytd only)*45.5904%1,907
Condition Ratios (%)
Loss allowance to loans1.2526%5,034
Loan loss allowance to noncurrent loans227.1936%1,577
Noncurrent assets plus other real estate owned to assets0.6544%5,040
Noncurrent loans to loans0.5513%5,340
Net loans and leases to total assets68.0277%2,291
Net loans and leases to deposits79.5404%2,468
Net loans and leases to core deposits82.3241%2,920
Total domestic deposits to total assets85.5259%3,498
Equity capital to assets10.5145%3,826
Core capital (leverage) ratio10.4527%2,974
Tier 1 risk-based capital ratio12.7767%5,424
Total risk-based capital ratio13.6059%5,704
Memoranda:
Average total assets$352,172,5001,855
Average earning assets$327,781,5001,834
Average equity$37,199,0001,887
Average total loans$259,726,5001,606
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9667%1,882
Cost of funding earning assets0.9031%2,374
Net interest margin4.0635%2,234
Noninterest income to average assets0.7683%2,340
Noninterest expense to average assets2.3022%5,728
Loan and lease loss provision to assets0.0861%4,510
Net operating income to assets1.4618%1,062
Return on assets (ROA)1.4759%1,160
Pretax return on assets2.1805%505
Return on Equity (ROE)13.9503%1,135
Retained earnings to average equity (ytd only)9.1556%1,218
Net charge-offs to loans0.0000%5,507
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.6626%6,731
Assets per employee ($millions)5.1334%1,990
Cash dividends to net income (ytd only)*34.3701%2,419
Condition Ratios (%)
Loss allowance to loans1.1665%5,496
Loan loss allowance to noncurrent loans78.6039%3,848
Noncurrent assets plus other real estate owned to assets1.4186%3,596
Noncurrent loans to loans1.4840%3,685
Net loans and leases to total assets75.4367%1,044
Net loans and leases to deposits91.7801%973
Net loans and leases to core deposits95.0132%1,506
Total domestic deposits to total assets82.1929%5,057
Equity capital to assets10.7905%3,352
Core capital (leverage) ratio10.3067%3,040
Tier 1 risk-based capital ratio11.9550%5,964
Total risk-based capital ratio12.7333%6,205
Memoranda:
Average total assets$348,540,0001,880
Average earning assets$324,201,3301,851
Average equity$36,873,6701,892
Average total loans$262,928,3301,585
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9913%1,923
Cost of funding earning assets0.9109%2,601
Net interest margin4.0805%2,170
Noninterest income to average assets0.8465%1,961
Noninterest expense to average assets2.3212%5,715
Loan and lease loss provision to assets0.0861%4,300
Net operating income to assets1.5021%1,012
Return on assets (ROA)1.5298%1,096
Pretax return on assets2.2672%479
Return on Equity (ROE)14.6065%1,061
Retained earnings to average equity (ytd only)14.6065%498
Net charge-offs to loans-0.0138%6,054
Credit loss provision to net charge-offs-833.3333%5,892
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.1904%6,793
Assets per employee ($millions)4.5370%2,926
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.1556%5,692
Loan loss allowance to noncurrent loans98.2241%3,117
Noncurrent assets plus other real estate owned to assets1.1873%4,145
Noncurrent loans to loans1.1765%4,369
Net loans and leases to total assets75.4621%864
Net loans and leases to deposits91.2858%851
Net loans and leases to core deposits94.4054%1,432
Total domestic deposits to total assets82.6658%5,056
Equity capital to assets10.7581%3,199
Core capital (leverage) ratio10.3519%2,932
Tier 1 risk-based capital ratio11.8737%6,041
Total risk-based capital ratio12.6340%6,322
Memoranda:
Average total assets$348,273,0001,894
Average earning assets$323,199,5001,864
Average equity$36,477,0001,904
Average total loans$261,173,5001,605
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1277%2,341
Cost of funding earning assets1.0059%3,332
Net interest margin4.1218%2,344
Noninterest income to average assets0.7027%2,589
Noninterest expense to average assets2.2419%6,181
Loan and lease loss provision to assets0.0890%5,475
Net operating income to assets1.4876%851
Return on assets (ROA)1.4876%925
Pretax return on assets2.1832%382
Return on Equity (ROE)14.9493%748
Retained earnings to average equity (ytd only)10.9982%405
Net charge-offs to loans0.2051%4,518
Credit loss provision to net charge-offs59.4059%5,183
Earnings coverage of net charge-offs (x)15.1743%1,411
Efficiency ratio47.6353%6,962
Assets per employee ($millions)4.5094%2,892
Cash dividends to net income (ytd only)*26.4301%3,264
Condition Ratios (%)
Loss allowance to loans1.1416%5,659
Loan loss allowance to noncurrent loans85.6398%3,477
Noncurrent assets plus other real estate owned to assets1.2654%4,110
Noncurrent loans to loans1.3331%4,147
Net loans and leases to total assets72.8234%1,489
Net loans and leases to deposits86.5197%1,608
Net loans and leases to core deposits89.3270%2,218
Total domestic deposits to total assets84.1697%4,249
Equity capital to assets10.1949%3,911
Core capital (leverage) ratio9.8090%3,588
Tier 1 risk-based capital ratio11.7069%6,019
Total risk-based capital ratio12.4587%6,322
Memoranda:
Average total assets$337,264,2001,916
Average earning assets$311,857,4001,889
Average equity$33,560,0001,986
Average total loans$246,243,0001,697
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2000%2,212
Cost of funding earning assets1.0264%3,489
Net interest margin4.1736%2,194
Noninterest income to average assets0.6662%2,793
Noninterest expense to average assets2.2199%6,231
Loan and lease loss provision to assets0.0899%5,332
Net operating income to assets1.4971%940
Return on assets (ROA)1.4974%1,020
Pretax return on assets2.2127%417
Return on Equity (ROE)15.1458%821
Retained earnings to average equity (ytd only)13.3592%347
Net charge-offs to loans-0.0005%6,654
Credit loss provision to net charge-offs-22,500.0000%6,924
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.0396%7,014
Assets per employee ($millions)4.3319%3,210
Cash dividends to net income (ytd only)*11.7961%3,218
Condition Ratios (%)
Loss allowance to loans1.3953%4,581
Loan loss allowance to noncurrent loans71.4527%3,911
Noncurrent assets plus other real estate owned to assets1.4037%4,026
Noncurrent loans to loans1.9528%3,422
Net loans and leases to total assets70.8797%1,921
Net loans and leases to deposits85.4423%1,766
Net loans and leases to core deposits87.9694%2,496
Total domestic deposits to total assets82.9562%4,702
Equity capital to assets10.4902%3,718
Core capital (leverage) ratio10.2910%3,094
Tier 1 risk-based capital ratio12.0484%5,862
Total risk-based capital ratio13.0158%6,056
Memoranda:
Average total assets$333,646,2501,945
Average earning assets$308,250,0001,916
Average equity$32,985,2502,012
Average total loans$243,027,7501,735
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2178%2,196
Cost of funding earning assets1.0715%3,463
Net interest margin4.1464%2,240
Noninterest income to average assets0.6375%2,908
Noninterest expense to average assets2.2544%6,233
Loan and lease loss provision to assets0.0903%5,188
Net operating income to assets1.4546%970
Return on assets (ROA)1.4550%1,029
Pretax return on assets2.1419%455
Return on Equity (ROE)15.0286%800
Retained earnings to average equity (ytd only)12.2803%485
Net charge-offs to loans-0.0272%6,895
Credit loss provision to net charge-offs-454.5455%6,484
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.1750%7,048
Assets per employee ($millions)4.6679%2,593
Cash dividends to net income (ytd only)*18.2871%2,919
Condition Ratios (%)
Loss allowance to loans1.3885%4,630
Loan loss allowance to noncurrent loans68.3275%4,026
Noncurrent assets plus other real estate owned to assets1.5204%3,918
Noncurrent loans to loans2.0321%3,440
Net loans and leases to total assets73.7800%1,459
Net loans and leases to deposits92.6473%984
Net loans and leases to core deposits95.7213%1,712
Total domestic deposits to total assets79.6353%5,916
Equity capital to assets10.4644%3,554
Core capital (leverage) ratio9.8116%3,507
Tier 1 risk-based capital ratio11.8299%5,913
Total risk-based capital ratio12.8056%6,116
Memoranda:
Average total assets$332,232,3301,963
Average earning assets$308,366,6701,924
Average equity$32,165,3302,054
Average total loans$243,076,0001,755
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1355%2,495
Cost of funding earning assets1.0843%3,630
Net interest margin4.0512%2,469
Noninterest income to average assets0.5680%3,381
Noninterest expense to average assets2.2792%6,244
Loan and lease loss provision to assets0.0889%4,900
Net operating income to assets1.3412%1,172
Return on assets (ROA)1.3412%1,220
Pretax return on assets1.9614%594
Return on Equity (ROE)14.4095%917
Retained earnings to average equity (ytd only)14.4095%443
Net charge-offs to loans-0.0049%6,238
Credit loss provision to net charge-offs-2,500.0000%6,276
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.5341%6,951
Assets per employee ($millions)5.0139%2,147
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.3156%5,057
Loan loss allowance to noncurrent loans62.6401%4,273
Noncurrent assets plus other real estate owned to assets1.5402%3,938
Noncurrent loans to loans2.1002%3,444
Net loans and leases to total assets72.3710%1,640
Net loans and leases to deposits94.0066%823
Net loans and leases to core deposits98.2621%1,497
Total domestic deposits to total assets76.9850%6,542
Equity capital to assets9.5576%4,361
Core capital (leverage) ratio9.5135%3,783
Tier 1 risk-based capital ratio9.5599%7,135
Total risk-based capital ratio10.3394%7,218
Memoranda:
Average total assets$337,307,5001,944
Average earning assets$313,192,0001,908
Average equity$31,396,0002,090
Average total loans$244,125,0001,763
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2803%3,220
Cost of funding earning assets1.3336%3,669
Net interest margin3.9467%3,273
Noninterest income to average assets0.7976%2,299
Noninterest expense to average assets2.3302%6,271
Loan and lease loss provision to assets0.1856%5,373
Net operating income to assets1.3339%1,097
Return on assets (ROA)1.3341%1,167
Pretax return on assets1.9310%572
Return on Equity (ROE)13.6262%959
Retained earnings to average equity (ytd only)2.4542%4,159
Net charge-offs to loans0.0852%5,985
Credit loss provision to net charge-offs306.1224%869
Earnings coverage of net charge-offs (x)34.9133%651
Efficiency ratio50.2573%7,103
Assets per employee ($millions)4.8383%2,364
Cash dividends to net income (ytd only)*81.9889%791
Condition Ratios (%)
Loss allowance to loans1.3076%4,966
Loan loss allowance to noncurrent loans78.5058%3,601
Noncurrent assets plus other real estate owned to assets1.1896%4,635
Noncurrent loans to loans1.6656%4,001
Net loans and leases to total assets70.4874%2,412
Net loans and leases to deposits85.3972%2,208
Net loans and leases to core deposits88.3468%3,006
Total domestic deposits to total assets82.5406%5,001
Equity capital to assets9.0601%5,058
Core capital (leverage) ratio8.8566%4,768
Tier 1 risk-based capital ratio10.9570%6,358
Total risk-based capital ratio11.8580%6,602
Memoranda:
Average total assets$323,360,8002,010
Average earning assets$298,961,8001,987
Average equity$31,659,6002,073
Average total loans$230,029,2001,895
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3936%2,917
Cost of funding earning assets1.3750%3,745
Net interest margin4.0186%3,014
Noninterest income to average assets0.7219%2,694
Noninterest expense to average assets2.3563%6,161
Loan and lease loss provision to assets0.2191%4,873
Net operating income to assets1.2799%1,381
Return on assets (ROA)1.2802%1,465
Pretax return on assets1.8568%837
Return on Equity (ROE)12.8218%1,308
Retained earnings to average equity (ytd only)10.9746%612
Net charge-offs to loans0.0893%5,632
Credit loss provision to net charge-offs345.3947%920
Earnings coverage of net charge-offs (x)32.7239%823
Efficiency ratio50.9839%7,073
Assets per employee ($millions)4.7162%2,569
Cash dividends to net income (ytd only)*14.4068%3,183
Condition Ratios (%)
Loss allowance to loans1.3939%4,492
Loan loss allowance to noncurrent loans131.4861%2,159
Noncurrent assets plus other real estate owned to assets0.7215%5,667
Noncurrent loans to loans1.0601%5,121
Net loans and leases to total assets67.1109%3,433
Net loans and leases to deposits82.9557%2,917
Net loans and leases to core deposits86.1574%3,626
Total domestic deposits to total assets80.8997%5,413
Equity capital to assets10.2142%3,861
Core capital (leverage) ratio10.0390%3,214
Tier 1 risk-based capital ratio12.6945%4,817
Total risk-based capital ratio13.6842%5,015
Memoranda:
Average total assets$319,530,5002,068
Average earning assets$294,984,0002,041
Average equity$31,903,2502,072
Average total loans$227,063,7501,942
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4327%2,828
Cost of funding earning assets1.4285%3,682
Net interest margin4.0042%2,996
Noninterest income to average assets0.6203%3,195
Noninterest expense to average assets2.4393%5,948
Loan and lease loss provision to assets0.2848%4,114
Net operating income to assets1.1094%1,820
Return on assets (ROA)1.1076%1,899
Pretax return on assets1.5785%1,362
Return on Equity (ROE)11.1831%1,692
Retained earnings to average equity (ytd only)8.3585%1,312
Net charge-offs to loans0.1396%4,832
Credit loss provision to net charge-offs283.0189%1,313
Earnings coverage of net charge-offs (x)18.5409%1,287
Efficiency ratio54.3811%6,833
Assets per employee ($millions)4.4110%3,036
Cash dividends to net income (ytd only)*25.2571%2,693
Condition Ratios (%)
Loss allowance to loans1.3235%4,795
Loan loss allowance to noncurrent loans66.9300%3,987
Noncurrent assets plus other real estate owned to assets1.4551%4,278
Noncurrent loans to loans1.9774%3,755
Net loans and leases to total assets72.6117%2,254
Net loans and leases to deposits89.8798%1,874
Net loans and leases to core deposits94.0257%2,708
Total domestic deposits to total assets80.7876%5,478
Equity capital to assets10.2507%3,703
Core capital (leverage) ratio9.7685%3,451
Tier 1 risk-based capital ratio11.9168%5,386
Total risk-based capital ratio12.8661%5,622
Memoranda:
Average total assets$315,995,0002,108
Average earning assets$290,794,0002,087
Average equity$31,297,3302,109
Average total loans$227,855,0001,957
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4138%2,970
Cost of funding earning assets1.4666%3,765
Net interest margin3.9472%3,119
Noninterest income to average assets0.5759%3,450
Noninterest expense to average assets2.4448%5,932
Loan and lease loss provision to assets0.2836%3,760
Net operating income to assets1.0287%2,071
Return on assets (ROA)1.0296%2,129
Pretax return on assets1.4644%1,608
Return on Equity (ROE)10.5779%1,917
Retained earnings to average equity (ytd only)10.5779%1,019
Net charge-offs to loans-0.0124%6,942
Credit loss provision to net charge-offs-3,214.2857%6,595
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.0132%6,760
Assets per employee ($millions)4.2272%3,413
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.3132%4,858
Loan loss allowance to noncurrent loans53.4871%4,765
Noncurrent assets plus other real estate owned to assets2.0594%3,432
Noncurrent loans to loans2.4551%3,216
Net loans and leases to total assets71.8568%2,492
Net loans and leases to deposits89.7909%1,931
Net loans and leases to core deposits91.8583%3,124
Total domestic deposits to total assets80.0269%5,776
Equity capital to assets10.0254%3,833
Core capital (leverage) ratio9.4846%3,797
Tier 1 risk-based capital ratio11.6566%5,523
Total risk-based capital ratio12.5795%5,798
Memoranda:
Average total assets$317,403,5002,143
Average earning assets$290,741,0002,140
Average equity$30,894,5002,150
Average total loans$226,555,5002,019
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5614%3,806
Cost of funding earning assets1.7349%4,335
Net interest margin3.8265%3,592
Noninterest income to average assets0.7759%2,533
Noninterest expense to average assets2.4864%6,184
Loan and lease loss provision to assets0.3559%4,667
Net operating income to assets1.0588%1,632
Return on assets (ROA)1.0581%1,677
Pretax return on assets1.4632%1,281
Return on Equity (ROE)11.0840%1,396
Retained earnings to average equity (ytd only)8.0876%673
Net charge-offs to loans0.1736%5,561
Credit loss provision to net charge-offs279.8982%1,218
Earnings coverage of net charge-offs (x)14.3130%1,379
Efficiency ratio55.4136%7,081
Assets per employee ($millions)4.3512%3,190
Cash dividends to net income (ytd only)*27.0336%3,451
Condition Ratios (%)
Loss allowance to loans1.2244%5,215
Loan loss allowance to noncurrent loans49.5065%5,082
Noncurrent assets plus other real estate owned to assets1.9948%3,409
Noncurrent loans to loans2.4731%3,075
Net loans and leases to total assets69.1266%3,452
Net loans and leases to deposits84.8973%3,106
Net loans and leases to core deposits92.6958%4,811
Total domestic deposits to total assets81.4238%5,184
Equity capital to assets9.4499%4,488
Core capital (leverage) ratio9.0518%4,340
Tier 1 risk-based capital ratio11.3991%5,513
Total risk-based capital ratio12.2385%5,899
Memoranda:
Average total assets$309,043,6002,167
Average earning assets$285,145,8002,160
Average equity$29,502,0002,266
Average total loans$226,357,6002,049
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6073%3,822
Cost of funding earning assets1.7674%4,538
Net interest margin3.8399%3,482
Noninterest income to average assets0.7939%2,464
Noninterest expense to average assets2.5466%5,910
Loan and lease loss provision to assets0.2180%5,236
Net operating income to assets1.1127%1,698
Return on assets (ROA)1.1118%1,761
Pretax return on assets1.5840%1,204
Return on Equity (ROE)11.6155%1,462
Retained earnings to average equity (ytd only)9.6022%706
Net charge-offs to loans0.1336%5,363
Credit loss provision to net charge-offs220.2643%1,995
Earnings coverage of net charge-offs (x)18.2202%1,360
Efficiency ratio56.2193%6,968
Assets per employee ($millions)4.3094%3,193
Cash dividends to net income (ytd only)*17.3333%3,319
Condition Ratios (%)
Loss allowance to loans1.0216%6,156
Loan loss allowance to noncurrent loans57.7496%4,505
Noncurrent assets plus other real estate owned to assets1.5447%4,047
Noncurrent loans to loans1.7690%3,967
Net loans and leases to total assets70.6367%3,352
Net loans and leases to deposits88.3195%2,901
Net loans and leases to core deposits97.5764%4,655
Total domestic deposits to total assets79.9787%5,444
Equity capital to assets9.5649%4,657
Core capital (leverage) ratio9.4172%4,026
Tier 1 risk-based capital ratio11.2672%5,665
Total risk-based capital ratio11.9449%6,227
Memoranda:
Average total assets$305,806,5002,194
Average earning assets$283,194,5002,178
Average equity$29,270,5002,305
Average total loans$226,611,7502,080
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6854%3,635
Cost of funding earning assets1.8236%4,645
Net interest margin3.8618%3,283
Noninterest income to average assets0.9030%1,978
Noninterest expense to average assets2.5763%5,830
Loan and lease loss provision to assets0.1493%5,579
Net operating income to assets1.2166%1,435
Return on assets (ROA)1.2161%1,514
Pretax return on assets1.7469%939
Return on Equity (ROE)12.7027%1,243
Retained earnings to average equity (ytd only)12.7027%358
Net charge-offs to loans0.1582%4,614
Credit loss provision to net charge-offs125.6983%3,699
Earnings coverage of net charge-offs (x)15.9721%1,559
Efficiency ratio55.2952%7,193
Assets per employee ($millions)3.9945%3,687
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.9178%6,695
Loan loss allowance to noncurrent loans52.7799%4,855
Noncurrent assets plus other real estate owned to assets1.6492%3,729
Noncurrent loans to loans1.7389%3,901
Net loans and leases to total assets76.6250%2,030
Net loans and leases to deposits96.7775%1,685
Net loans and leases to core deposits106.6475%3,760
Total domestic deposits to total assets79.1765%5,756
Equity capital to assets10.0252%3,905
Core capital (leverage) ratio9.4096%4,015
Tier 1 risk-based capital ratio11.2573%5,633
Total risk-based capital ratio11.8524%6,229
Memoranda:
Average total assets$301,443,6702,248
Average earning assets$278,678,6702,232
Average equity$28,860,0002,346
Average total loans$226,288,3302,111
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6155%4,260
Cost of funding earning assets1.8368%4,932
Net interest margin3.7786%3,541
Noninterest income to average assets0.9475%1,654
Noninterest expense to average assets2.5259%5,742
Loan and lease loss provision to assets0.0789%5,965
Net operating income to assets1.2735%1,447
Return on assets (ROA)1.2735%1,548
Pretax return on assets1.8438%901
Return on Equity (ROE)13.6129%1,243
Retained earnings to average equity (ytd only)13.6129%550
Net charge-offs to loans0.3145%2,847
Credit loss provision to net charge-offs33.8983%4,903
Earnings coverage of net charge-offs (x)8.2655%2,219
Efficiency ratio54.5052%7,169
Assets per employee ($millions)4.0305%3,600
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.8677%6,884
Loan loss allowance to noncurrent loans82.1656%3,595
Noncurrent assets plus other real estate owned to assets1.0913%4,500
Noncurrent loans to loans1.0560%4,876
Net loans and leases to total assets74.1202%2,720
Net loans and leases to deposits94.7428%2,148
Net loans and leases to core deposits102.8424%4,254
Total domestic deposits to total assets78.2331%5,933
Equity capital to assets9.7081%4,374
Core capital (leverage) ratio9.0406%4,639
Tier 1 risk-based capital ratio11.1084%5,807
Total risk-based capital ratio11.6495%6,405
Memoranda:
Average total assets$304,368,5002,242
Average earning assets$282,007,5002,233
Average equity$28,473,0002,385
Average total loans$225,134,0002,141
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0791%5,147
Cost of funding earning assets2.4899%4,258
Net interest margin3.5891%4,939
Noninterest income to average assets0.8080%2,472
Noninterest expense to average assets2.4338%6,284
Loan and lease loss provision to assets0.0954%6,168
Net operating income to assets1.0821%2,219
Return on assets (ROA)1.0811%2,138
Pretax return on assets1.5362%1,575
Return on Equity (ROE)11.5394%1,741
Retained earnings to average equity (ytd only)5.1116%1,955
Net charge-offs to loans0.0502%6,071
Credit loss provision to net charge-offs264.1509%1,753
Earnings coverage of net charge-offs (x)45.2264%822
Efficiency ratio57.2577%6,827
Assets per employee ($millions)4.2532%3,028
Cash dividends to net income (ytd only)*55.7026%2,852
Condition Ratios (%)
Loss allowance to loans0.9029%6,664
Loan loss allowance to noncurrent loans103.7936%3,347
Noncurrent assets plus other real estate owned to assets0.9385%4,478
Noncurrent loans to loans0.8699%4,879
Net loans and leases to total assets72.5368%3,479
Net loans and leases to deposits91.7798%3,177
Net loans and leases to core deposits98.4663%4,993
Total domestic deposits to total assets79.0335%5,365
Equity capital to assets9.0154%5,351
Core capital (leverage) ratio8.9097%4,871
Tier 1 risk-based capital ratio10.4454%6,267
Total risk-based capital ratio11.0278%6,869
Memoranda:
Average total assets$293,579,8002,233
Average earning assets$266,554,6002,245
Average equity$27,505,8002,437
Average total loans$211,098,4002,194