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Isabella Bank, Performance and Condition Ratios

2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1478%2,834
Cost of funding earning assets0.2142%2,608
Net interest margin2.9336%2,725
Noninterest income to average assets0.7471%1,180
Noninterest expense to average assets2.2108%2,810
Loan and lease loss provision to assets0.0074%2,180
Net operating income to assets1.0720%1,615
Return on assets (ROA)1.0720%1,607
Pretax return on assets1.2920%1,532
Return on Equity (ROE)12.5172%1,151
Retained earnings to average equity (ytd only)10.6462%863
Net charge-offs to loans-0.0203%3,922
Credit loss provision to net charge-offs-57.8125%2,829
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.9594%3,151
Assets per employee ($millions)5.7476%3,060
Cash dividends to net income (ytd only)*14.9477%2,083
Condition Ratios (%)
Loss allowance to loans0.7548%4,312
Loan loss allowance to noncurrent loans1,232.1285%785
Noncurrent assets plus other real estate owned to assets0.0518%3,523
Noncurrent loans to loans0.0613%3,549
Net loans and leases to total assets60.1555%2,047
Net loans and leases to deposits68.1878%2,135
Net loans and leases to core deposits71.0779%2,201
Total domestic deposits to total assets88.2203%2,420
Equity capital to assets8.1628%3,438
Core capital (leverage) ratio8.7381%3,629
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5561%1,970
Memoranda:
Average total assets$1,996,931,500551
Average earning assets$1,880,833,500544
Average equity$171,028,500636
Average total loans$1,261,055,500538
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2453%3,355
Cost of funding earning assets0.3643%1,815
Net interest margin2.8810%3,489
Noninterest income to average assets0.7348%1,645
Noninterest expense to average assets2.1488%3,232
Loan and lease loss provision to assets-0.0262%4,254
Net operating income to assets1.0994%2,298
Return on assets (ROA)1.0994%2,362
Pretax return on assets1.3192%2,300
Return on Equity (ROE)12.6408%1,592
Retained earnings to average equity (ytd only)10.5450%795
Net charge-offs to loans0.0099%2,187
Credit loss provision to net charge-offs-421.1382%3,718
Earnings coverage of net charge-offs (x)207.6098%526
Efficiency ratio62.3906%2,802
Assets per employee ($millions)6.0066%2,770
Cash dividends to net income (ytd only)*16.5799%3,144
Condition Ratios (%)
Loss allowance to loans0.6987%4,419
Loan loss allowance to noncurrent loans678.3159%1,134
Noncurrent assets plus other real estate owned to assets0.0819%3,367
Noncurrent loans to loans0.1030%3,411
Net loans and leases to total assets65.2648%1,558
Net loans and leases to deposits75.1083%1,634
Net loans and leases to core deposits78.6988%1,709
Total domestic deposits to total assets86.8942%2,565
Equity capital to assets8.9723%3,647
Core capital (leverage) ratio8.5445%3,872
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5974%2,412
Memoranda:
Average total assets$1,974,977,000540
Average earning assets$1,855,700,200533
Average equity$171,769,400627
Average total loans$1,239,786,000550
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2471%3,522
Cost of funding earning assets0.3933%1,755
Net interest margin2.8538%3,643
Noninterest income to average assets0.7264%1,746
Noninterest expense to average assets2.1336%3,270
Loan and lease loss provision to assets-0.0405%4,426
Net operating income to assets1.0955%2,573
Return on assets (ROA)1.0955%2,629
Pretax return on assets1.3142%2,588
Return on Equity (ROE)12.6963%1,801
Retained earnings to average equity (ytd only)10.5035%1,172
Net charge-offs to loans0.0057%2,118
Credit loss provision to net charge-offs-1,151.9231%3,887
Earnings coverage of net charge-offs (x)362.5000%386
Efficiency ratio62.5741%2,600
Assets per employee ($millions)5.8789%2,807
Cash dividends to net income (ytd only)*17.2712%2,656
Condition Ratios (%)
Loss allowance to loans0.7278%4,456
Loan loss allowance to noncurrent loans295.5151%1,998
Noncurrent assets plus other real estate owned to assets0.1754%2,946
Noncurrent loans to loans0.2463%2,950
Net loans and leases to total assets60.9747%2,138
Net loans and leases to deposits72.1688%2,037
Net loans and leases to core deposits75.7405%2,072
Total domestic deposits to total assets84.4891%3,303
Equity capital to assets8.6366%4,113
Core capital (leverage) ratio8.3234%4,194
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6434%2,487
Memoranda:
Average total assets$1,973,174,750545
Average earning assets$1,853,615,750534
Average equity$170,249,750639
Average total loans$1,224,039,500564
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2672%3,518
Cost of funding earning assets0.4264%1,687
Net interest margin2.8408%3,698
Noninterest income to average assets0.7390%1,690
Noninterest expense to average assets2.1234%3,324
Loan and lease loss provision to assets-0.0504%4,519
Net operating income to assets1.1143%2,490
Return on assets (ROA)1.1143%2,557
Pretax return on assets1.3344%2,538
Return on Equity (ROE)12.9185%1,749
Retained earnings to average equity (ytd only)10.5438%1,238
Net charge-offs to loans-0.0178%3,936
Credit loss provision to net charge-offs455.5556%711
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.2716%2,691
Assets per employee ($millions)5.8143%2,792
Cash dividends to net income (ytd only)*18.3824%2,584
Condition Ratios (%)
Loss allowance to loans0.7749%4,405
Loan loss allowance to noncurrent loans281.1655%2,000
Noncurrent assets plus other real estate owned to assets0.1928%2,990
Noncurrent loans to loans0.2756%2,955
Net loans and leases to total assets60.4486%2,373
Net loans and leases to deposits71.9838%2,207
Net loans and leases to core deposits75.8542%2,252
Total domestic deposits to total assets83.9753%3,449
Equity capital to assets8.6995%4,049
Core capital (leverage) ratio8.2810%4,189
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2454%2,269
Memoranda:
Average total assets$1,952,869,667541
Average earning assets$1,834,397,333535
Average equity$168,441,000642
Average total loans$1,215,594,667566
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3657%3,295
Cost of funding earning assets0.4561%1,675
Net interest margin2.9096%3,487
Noninterest income to average assets0.7674%1,670
Noninterest expense to average assets2.1792%3,170
Loan and lease loss provision to assets-0.1079%4,727
Net operating income to assets1.1916%2,178
Return on assets (ROA)1.1916%2,251
Pretax return on assets1.4269%2,200
Return on Equity (ROE)13.8757%1,462
Retained earnings to average equity (ytd only)10.7511%1,460
Net charge-offs to loans-0.0164%3,901
Credit loss provision to net charge-offs1,046.0000%406
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.2551%2,714
Assets per employee ($millions)5.7206%2,890
Cash dividends to net income (ytd only)*22.5186%1,927
Condition Ratios (%)
Loss allowance to loans0.7739%4,447
Loan loss allowance to noncurrent loans204.5675%2,334
Noncurrent assets plus other real estate owned to assets0.2551%2,866
Noncurrent loans to loans0.3783%2,741
Net loans and leases to total assets60.4004%2,486
Net loans and leases to deposits72.1982%2,292
Net loans and leases to core deposits76.8943%2,277
Total domestic deposits to total assets83.6590%3,530
Equity capital to assets8.4998%4,116
Core capital (leverage) ratio8.2536%4,347
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9654%2,301
Memoranda:
Average total assets$1,937,974,500537
Average earning assets$1,818,804,000534
Average equity$166,420,500643
Average total loans$1,219,466,500564
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7222%3,519
Cost of funding earning assets0.7988%1,218
Net interest margin2.9234%4,068
Noninterest income to average assets0.7942%1,550
Noninterest expense to average assets2.7149%2,197
Loan and lease loss provision to assets0.0903%3,236
Net operating income to assets0.6606%3,557
Return on assets (ROA)0.6641%3,671
Pretax return on assets0.7292%3,818
Return on Equity (ROE)7.4393%3,025
Retained earnings to average equity (ytd only)1.7915%3,910
Net charge-offs to loans-0.0113%4,284
Credit loss provision to net charge-offs-1,189.2857%4,083
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.8234%1,137
Assets per employee ($millions)5.6160%2,725
Cash dividends to net income (ytd only)*75.9184%773
Condition Ratios (%)
Loss allowance to loans0.7851%4,451
Loan loss allowance to noncurrent loans183.3992%2,487
Noncurrent assets plus other real estate owned to assets0.3107%2,754
Noncurrent loans to loans0.4281%2,694
Net loans and leases to total assets64.4852%2,299
Net loans and leases to deposits78.4572%2,028
Net loans and leases to core deposits85.0245%1,952
Total domestic deposits to total assets82.1916%3,624
Equity capital to assets8.6714%4,319
Core capital (leverage) ratio7.9726%4,641
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0471%2,611
Memoranda:
Average total assets$1,844,665,600515
Average earning assets$1,726,620,800507
Average equity$164,665,800621
Average total loans$1,240,699,000529
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7264%3,742
Cost of funding earning assets0.8526%1,247
Net interest margin2.8738%4,225
Noninterest income to average assets0.7718%1,591
Noninterest expense to average assets2.3134%3,386
Loan and lease loss provision to assets0.1028%3,034
Net operating income to assets0.9176%2,633
Return on assets (ROA)0.9221%2,751
Pretax return on assets1.0513%2,905
Return on Equity (ROE)10.2536%1,930
Retained earnings to average equity (ytd only)5.2265%2,459
Net charge-offs to loans-0.0170%4,374
Credit loss provision to net charge-offs-891.7722%3,898
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7383%2,363
Assets per employee ($millions)5.6694%2,562
Cash dividends to net income (ytd only)*49.0274%1,539
Condition Ratios (%)
Loss allowance to loans0.7268%4,528
Loan loss allowance to noncurrent loans192.1957%2,281
Noncurrent assets plus other real estate owned to assets0.2965%2,969
Noncurrent loans to loans0.3781%2,933
Net loans and leases to total assets67.5600%2,305
Net loans and leases to deposits86.7931%1,611
Net loans and leases to core deposits93.9404%1,644
Total domestic deposits to total assets77.8403%4,221
Equity capital to assets8.8322%4,231
Core capital (leverage) ratio8.3673%4,408
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9810%2,617
Memoranda:
Average total assets$1,828,472,250510
Average earning assets$1,711,806,500500
Average equity$164,438,500614
Average total loans$1,240,611,250521
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8164%3,820
Cost of funding earning assets0.9211%1,273
Net interest margin2.8953%4,313
Noninterest income to average assets0.7217%1,662
Noninterest expense to average assets2.3393%3,431
Loan and lease loss provision to assets0.0994%3,033
Net operating income to assets0.8875%2,740
Return on assets (ROA)0.8946%2,827
Pretax return on assets1.0025%3,024
Return on Equity (ROE)9.8839%2,020
Retained earnings to average equity (ytd only)5.4577%2,291
Net charge-offs to loans-0.0074%4,119
Credit loss provision to net charge-offs-1,984.4444%3,887
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0517%2,227
Assets per employee ($millions)5.3229%2,813
Cash dividends to net income (ytd only)*44.7817%1,741
Condition Ratios (%)
Loss allowance to loans0.6882%4,592
Loan loss allowance to noncurrent loans165.2765%2,435
Noncurrent assets plus other real estate owned to assets0.3353%2,965
Noncurrent loans to loans0.4164%2,919
Net loans and leases to total assets68.7567%2,221
Net loans and leases to deposits88.8827%1,462
Net loans and leases to core deposits95.8404%1,590
Total domestic deposits to total assets77.3566%4,273
Equity capital to assets9.0032%4,085
Core capital (leverage) ratio8.4846%4,405
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9827%2,622
Memoranda:
Average total assets$1,797,315,333511
Average earning assets$1,683,214,000501
Average equity$162,668,333619
Average total loans$1,218,158,000522
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9318%3,973
Cost of funding earning assets1.0166%1,352
Net interest margin2.9153%4,409
Noninterest income to average assets0.7139%1,595
Noninterest expense to average assets2.4173%3,500
Loan and lease loss provision to assets0.1786%1,667
Net operating income to assets0.7761%2,991
Return on assets (ROA)0.7910%3,024
Pretax return on assets0.8626%3,245
Return on Equity (ROE)8.7151%2,227
Retained earnings to average equity (ytd only)4.3438%2,558
Net charge-offs to loans0.0101%2,212
Credit loss provision to net charge-offs2,626.6667%283
Earnings coverage of net charge-offs (x)150.7333%429
Efficiency ratio70.1350%2,331
Assets per employee ($millions)4.9178%2,730
Cash dividends to net income (ytd only)*50.1576%1,624
Condition Ratios (%)
Loss allowance to loans0.7388%4,540
Loan loss allowance to noncurrent loans125.1007%2,880
Noncurrent assets plus other real estate owned to assets0.4304%2,750
Noncurrent loans to loans0.5906%2,528
Net loans and leases to total assets66.1840%2,799
Net loans and leases to deposits88.3471%1,720
Net loans and leases to core deposits97.3895%1,688
Total domestic deposits to total assets74.9136%4,590
Equity capital to assets9.2539%4,426
Core capital (leverage) ratio8.6855%4,672
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8024%2,792
Memoranda:
Average total assets$1,764,457,000503
Average earning assets$1,651,441,000495
Average equity$160,136,500620
Average total loans$1,182,319,000517
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0905%4,062
Cost of funding earning assets1.0826%1,395
Net interest margin3.0078%4,505
Noninterest income to average assets0.6788%1,888
Noninterest expense to average assets2.3737%3,753
Loan and lease loss provision to assets0.0017%3,955
Net operating income to assets0.9752%2,928
Return on assets (ROA)0.9755%3,010
Pretax return on assets1.1096%3,136
Return on Equity (ROE)11.4009%1,731
Retained earnings to average equity (ytd only)6.2412%1,748
Net charge-offs to loans0.0399%2,585
Credit loss provision to net charge-offs6.4378%3,369
Earnings coverage of net charge-offs (x)42.1223%1,266
Efficiency ratio68.0012%2,458
Assets per employee ($millions)4.9258%2,677
Cash dividends to net income (ytd only)*45.2567%2,314
Condition Ratios (%)
Loss allowance to loans0.6686%4,623
Loan loss allowance to noncurrent loans121.4843%2,948
Noncurrent assets plus other real estate owned to assets0.3994%2,801
Noncurrent loans to loans0.5503%2,525
Net loans and leases to total assets66.8886%2,849
Net loans and leases to deposits89.6605%1,634
Net loans and leases to core deposits98.9304%1,658
Total domestic deposits to total assets74.6021%4,733
Equity capital to assets8.8973%4,735
Core capital (leverage) ratio8.5415%4,824
Tier 1 risk-based capital ratio11.8600%4,442
Total risk-based capital ratio12.4874%4,654
Memoranda:
Average total assets$1,766,834,600482
Average earning assets$1,648,199,600468
Average equity$151,172,800620
Average total loans$1,166,644,800505
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0895%4,180
Cost of funding earning assets1.0807%1,426
Net interest margin3.0088%4,610
Noninterest income to average assets0.6794%1,868
Noninterest expense to average assets2.3633%3,787
Loan and lease loss provision to assets0.0036%3,795
Net operating income to assets0.9843%3,035
Return on assets (ROA)0.9847%3,114
Pretax return on assets1.1177%3,252
Return on Equity (ROE)11.6242%1,749
Retained earnings to average equity (ytd only)6.7270%1,996
Net charge-offs to loans0.0292%2,507
Credit loss provision to net charge-offs18.8976%2,971
Earnings coverage of net charge-offs (x)58.5076%1,067
Efficiency ratio67.7101%2,468
Assets per employee ($millions)5.0029%2,564
Cash dividends to net income (ytd only)*42.1295%2,060
Condition Ratios (%)
Loss allowance to loans0.6843%4,682
Loan loss allowance to noncurrent loans116.6833%3,059
Noncurrent assets plus other real estate owned to assets0.4262%2,803
Noncurrent loans to loans0.5865%2,528
Net loans and leases to total assets67.3220%2,885
Net loans and leases to deposits90.3931%1,649
Net loans and leases to core deposits101.1108%1,575
Total domestic deposits to total assets74.4769%4,783
Equity capital to assets8.8772%4,837
Core capital (leverage) ratio8.5307%4,936
Tier 1 risk-based capital ratio11.6875%4,574
Total risk-based capital ratio12.3268%4,766
Memoranda:
Average total assets$1,767,685,250477
Average earning assets$1,647,841,000466
Average equity$149,741,750623
Average total loans$1,161,437,500509
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0406%4,298
Cost of funding earning assets1.0674%1,426
Net interest margin2.9732%4,728
Noninterest income to average assets0.6456%1,943
Noninterest expense to average assets2.3675%3,824
Loan and lease loss provision to assets-0.0164%5,130
Net operating income to assets0.9464%3,105
Return on assets (ROA)0.9464%3,172
Pretax return on assets1.0674%3,332
Return on Equity (ROE)11.3524%1,844
Retained earnings to average equity (ytd only)7.1503%1,740
Net charge-offs to loans0.0335%2,193
Credit loss provision to net charge-offs-75.1295%3,865
Earnings coverage of net charge-offs (x)48.1917%1,119
Efficiency ratio69.1293%2,363
Assets per employee ($millions)4.8412%2,682
Cash dividends to net income (ytd only)*37.0149%2,333
Condition Ratios (%)
Loss allowance to loans0.6823%4,743
Loan loss allowance to noncurrent loans97.8094%3,367
Noncurrent assets plus other real estate owned to assets0.4946%2,570
Noncurrent loans to loans0.6975%2,232
Net loans and leases to total assets66.0285%3,101
Net loans and leases to deposits91.1358%1,606
Net loans and leases to core deposits102.5951%1,512
Total domestic deposits to total assets72.4506%4,946
Equity capital to assets8.6163%5,000
Core capital (leverage) ratio8.4074%5,007
Tier 1 risk-based capital ratio11.5838%4,642
Total risk-based capital ratio12.2170%4,841
Memoranda:
Average total assets$1,769,910,670476
Average earning assets$1,650,693,670469
Average equity$147,546,330626
Average total loans$1,150,678,330513
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0048%4,357
Cost of funding earning assets1.0398%1,411
Net interest margin2.9650%4,796
Noninterest income to average assets0.6130%1,989
Noninterest expense to average assets2.3757%3,831
Loan and lease loss provision to assets0.0077%3,337
Net operating income to assets0.8885%3,279
Return on assets (ROA)0.8885%3,332
Pretax return on assets0.9934%3,455
Return on Equity (ROE)10.8398%2,007
Retained earnings to average equity (ytd only)8.0809%1,628
Net charge-offs to loans0.0039%2,586
Credit loss provision to net charge-offs309.0909%804
Earnings coverage of net charge-offs (x)402.4545%195
Efficiency ratio70.2270%2,301
Assets per employee ($millions)4.7014%2,918
Cash dividends to net income (ytd only)*25.4518%2,336
Condition Ratios (%)
Loss allowance to loans0.7335%4,710
Loan loss allowance to noncurrent loans115.1989%3,140
Noncurrent assets plus other real estate owned to assets0.4461%2,812
Noncurrent loans to loans0.6367%2,421
Net loans and leases to total assets64.8137%3,191
Net loans and leases to deposits88.7210%1,776
Net loans and leases to core deposits99.0970%1,698
Total domestic deposits to total assets73.0534%4,994
Equity capital to assets8.3580%5,060
Core capital (leverage) ratio8.2279%5,127
Tier 1 risk-based capital ratio11.5689%4,707
Total risk-based capital ratio12.2405%4,884
Memoranda:
Average total assets$1,768,918,000479
Average earning assets$1,648,824,000468
Average equity$144,984,000636
Average total loans$1,137,021,000517
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8638%4,358
Cost of funding earning assets0.9423%957
Net interest margin2.9214%4,885
Noninterest income to average assets0.6032%2,277
Noninterest expense to average assets2.2047%4,330
Loan and lease loss provision to assets0.0552%3,066
Net operating income to assets0.9535%3,209
Return on assets (ROA)0.9515%3,218
Pretax return on assets1.0705%3,373
Return on Equity (ROE)11.9195%1,743
Retained earnings to average equity (ytd only)2.6582%4,074
Net charge-offs to loans0.0270%2,872
Credit loss provision to net charge-offs322.7723%970
Earnings coverage of net charge-offs (x)65.9670%966
Efficiency ratio65.9933%2,878
Assets per employee ($millions)5.3742%2,086
Cash dividends to net income (ytd only)*77.6987%780
Condition Ratios (%)
Loss allowance to loans0.7418%4,703
Loan loss allowance to noncurrent loans113.5901%3,219
Noncurrent assets plus other real estate owned to assets0.4408%2,802
Noncurrent loans to loans0.6530%2,367
Net loans and leases to total assets62.8110%3,484
Net loans and leases to deposits86.4972%2,215
Net loans and leases to core deposits96.8148%1,982
Total domestic deposits to total assets72.6162%5,036
Equity capital to assets8.0371%5,152
Core capital (leverage) ratio8.0709%5,217
Tier 1 risk-based capital ratio11.7488%4,593
Total risk-based capital ratio12.4348%4,781
Memoranda:
Average total assets$1,772,008,800463
Average earning assets$1,655,582,000454
Average equity$141,449,000616
Average total loans$1,122,284,400509
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8167%4,401
Cost of funding earning assets0.9157%861
Net interest margin2.9010%4,974
Noninterest income to average assets0.5914%2,361
Noninterest expense to average assets2.1976%4,329
Loan and lease loss provision to assets0.0479%3,035
Net operating income to assets0.9487%3,311
Return on assets (ROA)0.9460%3,328
Pretax return on assets1.0539%3,563
Return on Equity (ROE)11.8715%1,837
Retained earnings to average equity (ytd only)1.5616%4,706
Net charge-offs to loans0.0281%2,538
Credit loss provision to net charge-offs269.4915%1,112
Earnings coverage of net charge-offs (x)62.1099%1,039
Efficiency ratio66.3791%2,802
Assets per employee ($millions)5.4302%1,983
Cash dividends to net income (ytd only)*86.8457%435
Condition Ratios (%)
Loss allowance to loans0.7088%4,859
Loan loss allowance to noncurrent loans109.3265%3,302
Noncurrent assets plus other real estate owned to assets0.4378%2,935
Noncurrent loans to loans0.6484%2,470
Net loans and leases to total assets63.7040%3,462
Net loans and leases to deposits88.6771%2,068
Net loans and leases to core deposits103.1747%1,517
Total domestic deposits to total assets71.8381%5,141
Equity capital to assets7.7091%5,266
Core capital (leverage) ratio7.8873%5,341
Tier 1 risk-based capital ratio11.3892%4,848
Total risk-based capital ratio12.0421%5,033
Memoranda:
Average total assets$1,768,954,250460
Average earning assets$1,653,112,500455
Average equity$140,961,000613
Average total loans$1,120,589,250505
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7428%4,484
Cost of funding earning assets0.8645%855
Net interest margin2.8783%5,045
Noninterest income to average assets0.5784%2,436
Noninterest expense to average assets2.1474%4,493
Loan and lease loss provision to assets0.0807%2,299
Net operating income to assets0.9378%3,286
Return on assets (ROA)0.9338%3,311
Pretax return on assets1.0367%3,549
Return on Equity (ROE)11.5910%1,878
Retained earnings to average equity (ytd only)3.1510%3,991
Net charge-offs to loans0.0381%2,092
Credit loss provision to net charge-offs335.8491%929
Earnings coverage of net charge-offs (x)46.6981%1,177
Efficiency ratio65.5113%3,060
Assets per employee ($millions)5.1888%2,204
Cash dividends to net income (ytd only)*72.8155%907
Condition Ratios (%)
Loss allowance to loans0.7111%4,923
Loan loss allowance to noncurrent loans123.3825%3,087
Noncurrent assets plus other real estate owned to assets0.3884%3,192
Noncurrent loans to loans0.5763%2,694
Net loans and leases to total assets64.1459%3,381
Net loans and leases to deposits89.5780%1,901
Net loans and leases to core deposits104.3129%1,373
Total domestic deposits to total assets71.6090%5,204
Equity capital to assets7.8367%5,288
Core capital (leverage) ratio8.0913%5,315
Tier 1 risk-based capital ratio11.2603%4,917
Total risk-based capital ratio11.9112%5,105
Memoranda:
Average total assets$1,764,901,000462
Average earning assets$1,649,994,330452
Average equity$142,178,670601
Average total loans$1,113,205,670507
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6928%4,481
Cost of funding earning assets0.8281%841
Net interest margin2.8647%5,075
Noninterest income to average assets0.5692%2,427
Noninterest expense to average assets2.1050%4,651
Loan and lease loss provision to assets0.0875%2,051
Net operating income to assets0.9511%3,071
Return on assets (ROA)0.9507%3,090
Pretax return on assets1.0540%3,341
Return on Equity (ROE)11.6405%1,707
Retained earnings to average equity (ytd only)5.7798%2,819
Net charge-offs to loans-0.0424%4,897
Credit loss provision to net charge-offs-331.0345%3,904
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6543%3,379
Assets per employee ($millions)5.1433%2,311
Cash dividends to net income (ytd only)*50.3476%1,507
Condition Ratios (%)
Loss allowance to loans0.7500%4,918
Loan loss allowance to noncurrent loans118.8061%3,144
Noncurrent assets plus other real estate owned to assets0.4137%3,175
Noncurrent loans to loans0.6313%2,653
Net loans and leases to total assets62.0543%3,540
Net loans and leases to deposits83.4938%2,453
Net loans and leases to core deposits98.4086%1,811
Total domestic deposits to total assets74.3220%5,119
Equity capital to assets8.0758%5,243
Core capital (leverage) ratio8.1877%5,321
Tier 1 risk-based capital ratio11.6372%4,780
Total risk-based capital ratio12.3109%5,003
Memoranda:
Average total assets$1,754,872,000469
Average earning assets$1,640,369,000457
Average equity$143,327,000594
Average total loans$1,093,219,500517
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6378%4,485
Cost of funding earning assets0.7743%721
Net interest margin2.8635%5,090
Noninterest income to average assets0.6619%2,130
Noninterest expense to average assets2.1784%4,571
Loan and lease loss provision to assets0.0147%3,998
Net operating income to assets0.9195%2,601
Return on assets (ROA)0.9261%2,596
Pretax return on assets1.1533%2,971
Return on Equity (ROE)11.1580%1,415
Retained earnings to average equity (ytd only)4.4367%2,493
Net charge-offs to loans-0.0045%4,620
Credit loss provision to net charge-offs-538.2979%4,957
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.0507%3,435
Assets per employee ($millions)5.5007%1,937
Cash dividends to net income (ytd only)*60.2372%1,736
Condition Ratios (%)
Loss allowance to loans0.7044%5,063
Loan loss allowance to noncurrent loans225.0146%2,087
Noncurrent assets plus other real estate owned to assets0.2033%4,119
Noncurrent loans to loans0.3131%3,661
Net loans and leases to total assets61.6618%3,661
Net loans and leases to deposits85.7437%2,291
Net loans and leases to core deposits100.0373%1,711
Total domestic deposits to total assets71.9141%5,326
Equity capital to assets8.2163%5,294
Core capital (leverage) ratio8.0198%5,431
Tier 1 risk-based capital ratio11.5019%4,848
Total risk-based capital ratio12.1387%5,100
Memoranda:
Average total assets$1,720,890,800461
Average earning assets$1,608,345,200448
Average equity$142,830,400567
Average total loans$1,049,792,400515
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6177%4,517
Cost of funding earning assets0.7527%747
Net interest margin2.8650%5,136
Noninterest income to average assets0.6577%2,174
Noninterest expense to average assets2.1818%4,563
Loan and lease loss provision to assets0.0066%3,995
Net operating income to assets0.9226%2,909
Return on assets (ROA)0.9315%2,934
Pretax return on assets1.1586%3,077
Return on Equity (ROE)11.1940%1,611
Retained earnings to average equity (ytd only)4.4518%3,249
Net charge-offs to loans-0.0276%4,972
Credit loss provision to net charge-offs-39.5349%4,429
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.1897%3,345
Assets per employee ($millions)5.3781%2,038
Cash dividends to net income (ytd only)*60.2309%1,331
Condition Ratios (%)
Loss allowance to loans0.7138%5,108
Loan loss allowance to noncurrent loans342.0702%1,432
Noncurrent assets plus other real estate owned to assets0.1364%4,567
Noncurrent loans to loans0.2087%4,240
Net loans and leases to total assets61.6579%3,694
Net loans and leases to deposits87.9820%2,065
Net loans and leases to core deposits102.0287%1,544
Total domestic deposits to total assets70.0802%5,476
Equity capital to assets8.3820%5,352
Core capital (leverage) ratio7.9657%5,522
Tier 1 risk-based capital ratio11.4697%4,976
Total risk-based capital ratio12.1113%5,216
Memoranda:
Average total assets$1,711,061,000465
Average earning assets$1,599,614,500454
Average equity$142,382,000573
Average total loans$1,038,971,000521
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5689%4,595
Cost of funding earning assets0.7342%745
Net interest margin2.8347%5,194
Noninterest income to average assets0.6597%2,171
Noninterest expense to average assets2.1511%4,665
Loan and lease loss provision to assets0.0042%3,818
Net operating income to assets0.9277%2,774
Return on assets (ROA)0.9410%2,771
Pretax return on assets1.1708%2,892
Return on Equity (ROE)11.3370%1,518
Retained earnings to average equity (ytd only)5.2510%2,549
Net charge-offs to loans-0.0320%4,988
Credit loss provision to net charge-offs-21.9512%4,238
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.7781%3,539
Assets per employee ($millions)5.3183%2,037
Cash dividends to net income (ytd only)*53.6829%1,720
Condition Ratios (%)
Loss allowance to loans0.7238%5,151
Loan loss allowance to noncurrent loans274.6657%1,698
Noncurrent assets plus other real estate owned to assets0.1669%4,518
Noncurrent loans to loans0.2635%4,095
Net loans and leases to total assets60.4940%3,793
Net loans and leases to deposits86.0276%2,219
Net loans and leases to core deposits99.4505%1,688
Total domestic deposits to total assets70.3193%5,526
Equity capital to assets8.3916%5,355
Core capital (leverage) ratio7.9746%5,541
Tier 1 risk-based capital ratio11.6935%4,845
Total risk-based capital ratio12.3442%5,097
Memoranda:
Average total assets$1,702,369,670470
Average earning assets$1,591,344,670459
Average equity$141,307,000578
Average total loans$1,025,701,000528
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5096%4,667
Cost of funding earning assets0.7129%788
Net interest margin2.7967%5,243
Noninterest income to average assets0.6735%2,069
Noninterest expense to average assets2.1983%4,651
Loan and lease loss provision to assets0.0064%3,481
Net operating income to assets0.8839%2,842
Return on assets (ROA)0.8839%2,892
Pretax return on assets1.0832%3,051
Return on Equity (ROE)10.7087%1,667
Retained earnings to average equity (ytd only)5.8398%2,416
Net charge-offs to loans-0.0288%4,913
Credit loss provision to net charge-offs-36.9863%3,844
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6379%3,389
Assets per employee ($millions)5.2985%2,078
Cash dividends to net income (ytd only)*45.4667%1,834
Condition Ratios (%)
Loss allowance to loans0.7391%5,229
Loan loss allowance to noncurrent loans302.7856%1,591
Noncurrent assets plus other real estate owned to assets0.1474%4,673
Noncurrent loans to loans0.2441%4,231
Net loans and leases to total assets59.0338%3,882
Net loans and leases to deposits81.7584%2,542
Net loans and leases to core deposits95.2552%1,871
Total domestic deposits to total assets72.2051%5,531
Equity capital to assets8.2820%5,362
Core capital (leverage) ratio8.0549%5,536
Tier 1 risk-based capital ratio11.8214%4,835
Total risk-based capital ratio12.4787%5,082
Memoranda:
Average total assets$1,691,997,500475
Average earning assets$1,581,722,500464
Average equity$139,662,000579
Average total loans$1,013,561,500533
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5042%4,766
Cost of funding earning assets0.7064%793
Net interest margin2.7978%5,293
Noninterest income to average assets0.6917%2,212
Noninterest expense to average assets2.1364%4,922
Loan and lease loss provision to assets-0.0082%5,486
Net operating income to assets0.9636%2,523
Return on assets (ROA)0.9374%2,755
Pretax return on assets1.1445%2,919
Return on Equity (ROE)10.9864%1,581
Retained earnings to average equity (ytd only)5.7055%1,881
Net charge-offs to loans-0.0145%5,042
Credit loss provision to net charge-offs100.0000%2,563
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.3493%3,877
Assets per employee ($millions)5.2930%2,067
Cash dividends to net income (ytd only)*48.0676%2,403
Condition Ratios (%)
Loss allowance to loans0.7309%5,292
Loan loss allowance to noncurrent loans436.8359%1,184
Noncurrent assets plus other real estate owned to assets0.1050%4,899
Noncurrent loans to loans0.1673%4,561
Net loans and leases to total assets59.8993%3,866
Net loans and leases to deposits83.9858%2,420
Net loans and leases to core deposits105.1378%1,189
Total domestic deposits to total assets71.3207%5,600
Equity capital to assets8.2261%5,457
Core capital (leverage) ratio8.0580%5,589
Tier 1 risk-based capital ratio11.6934%4,928
Total risk-based capital ratio12.3445%5,181
Memoranda:
Average total assets$1,642,273,800469
Average earning assets$1,533,750,000455
Average equity$140,127,400565
Average total loans$929,314,000549
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4922%4,829
Cost of funding earning assets0.7009%810
Net interest margin2.7913%5,372
Noninterest income to average assets0.6539%2,401
Noninterest expense to average assets2.1486%4,894
Loan and lease loss provision to assets0.0151%3,944
Net operating income to assets0.9000%2,904
Return on assets (ROA)0.9164%2,950
Pretax return on assets1.1177%3,158
Return on Equity (ROE)10.6424%1,811
Retained earnings to average equity (ytd only)5.3340%2,596
Net charge-offs to loans-0.0316%5,182
Credit loss provision to net charge-offs-86.0465%4,735
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.5579%3,668
Assets per employee ($millions)5.2037%2,141
Cash dividends to net income (ytd only)*49.8798%1,888
Condition Ratios (%)
Loss allowance to loans0.7878%5,222
Loan loss allowance to noncurrent loans507.1521%1,042
Noncurrent assets plus other real estate owned to assets0.0995%5,036
Noncurrent loans to loans0.1553%4,729
Net loans and leases to total assets59.3587%3,963
Net loans and leases to deposits83.4261%2,554
Net loans and leases to core deposits104.6915%1,293
Total domestic deposits to total assets71.1513%5,636
Equity capital to assets8.7500%5,363
Core capital (leverage) ratio8.0291%5,673
Tier 1 risk-based capital ratio11.6039%5,029
Total risk-based capital ratio12.2975%5,257
Memoranda:
Average total assets$1,633,373,750471
Average earning assets$1,525,785,500459
Average equity$140,653,500566
Average total loans$908,533,750555
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4692%4,944
Cost of funding earning assets0.6954%826
Net interest margin2.7738%5,474
Noninterest income to average assets0.6110%2,568
Noninterest expense to average assets2.1324%4,987
Loan and lease loss provision to assets0.0207%3,725
Net operating income to assets0.8680%3,015
Return on assets (ROA)0.8930%3,019
Pretax return on assets1.0777%3,293
Return on Equity (ROE)10.4269%1,876
Retained earnings to average equity (ytd only)5.2573%2,580
Net charge-offs to loans-0.0073%4,617
Credit loss provision to net charge-offs-525.0000%4,947
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2901%3,631
Assets per employee ($millions)5.1114%2,183
Cash dividends to net income (ytd only)*49.5799%1,992
Condition Ratios (%)
Loss allowance to loans0.8253%5,214
Loan loss allowance to noncurrent loans642.9780%856
Noncurrent assets plus other real estate owned to assets0.0772%5,222
Noncurrent loans to loans0.1284%4,924
Net loans and leases to total assets56.0106%4,308
Net loans and leases to deposits78.7484%3,081
Net loans and leases to core deposits95.4963%2,021
Total domestic deposits to total assets71.1260%5,722
Equity capital to assets8.8545%5,355
Core capital (leverage) ratio7.9147%5,775
Tier 1 risk-based capital ratio12.1618%4,718
Total risk-based capital ratio12.8810%4,974
Memoranda:
Average total assets$1,626,242,000475
Average earning assets$1,518,284,670462
Average equity$139,274,000573
Average total loans$881,361,670570
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4570%4,990
Cost of funding earning assets0.6879%856
Net interest margin2.7691%5,518
Noninterest income to average assets0.6076%2,486
Noninterest expense to average assets2.1198%5,078
Loan and lease loss provision to assets0.0384%3,138
Net operating income to assets0.8660%2,912
Return on assets (ROA)0.8660%3,030
Pretax return on assets1.0342%3,344
Return on Equity (ROE)10.2865%1,857
Retained earnings to average equity (ytd only)5.6055%2,576
Net charge-offs to loans0.0260%2,419
Credit loss provision to net charge-offs278.5714%892
Earnings coverage of net charge-offs (x)77.7679%649
Efficiency ratio66.0701%3,787
Assets per employee ($millions)5.1318%2,204
Cash dividends to net income (ytd only)*45.5063%1,905
Condition Ratios (%)
Loss allowance to loans0.8606%5,186
Loan loss allowance to noncurrent loans700.2801%777
Noncurrent assets plus other real estate owned to assets0.0703%5,314
Noncurrent loans to loans0.1229%4,983
Net loans and leases to total assets52.9454%4,542
Net loans and leases to deposits73.3816%3,514
Net loans and leases to core deposits82.7149%3,063
Total domestic deposits to total assets72.1509%5,760
Equity capital to assets8.5837%5,508
Core capital (leverage) ratio7.8838%5,817
Tier 1 risk-based capital ratio12.3558%4,690
Total risk-based capital ratio13.0869%4,928
Memoranda:
Average total assets$1,624,092,000473
Average earning assets$1,516,003,000463
Average equity$136,723,000581
Average total loans$861,604,000576
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5832%4,719
Cost of funding earning assets0.7047%798
Net interest margin2.8785%5,375
Noninterest income to average assets0.6853%2,271
Noninterest expense to average assets2.1734%5,108
Loan and lease loss provision to assets-0.1794%5,965
Net operating income to assets1.0960%1,945
Return on assets (ROA)1.1044%1,971
Pretax return on assets1.3806%1,977
Return on Equity (ROE)13.1436%1,023
Retained earnings to average equity (ytd only)6.9812%1,286
Net charge-offs to loans-0.0085%5,074
Credit loss provision to net charge-offs3,902.8169%95
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.2802%4,203
Assets per employee ($millions)5.0986%2,245
Cash dividends to net income (ytd only)*46.8851%2,479
Condition Ratios (%)
Loss allowance to loans0.8689%5,202
Loan loss allowance to noncurrent loans934.3434%624
Noncurrent assets plus other real estate owned to assets0.0621%5,405
Noncurrent loans to loans0.0930%5,125
Net loans and leases to total assets52.2366%4,673
Net loans and leases to deposits72.2255%3,692
Net loans and leases to core deposits82.2345%3,121
Total domestic deposits to total assets72.3243%5,777
Equity capital to assets8.2515%5,735
Core capital (leverage) ratio7.9272%5,871
Tier 1 risk-based capital ratio12.3105%4,760
Total risk-based capital ratio13.0398%4,998
Memoranda:
Average total assets$1,544,969,800462
Average earning assets$1,437,790,400450
Average equity$129,820,200584
Average total loans$833,383,000562
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8519%3,926
Cost of funding earning assets0.7102%796
Net interest margin3.1418%4,839
Noninterest income to average assets0.6938%2,259
Noninterest expense to average assets2.3719%4,588
Loan and lease loss provision to assets-0.1745%6,078
Net operating income to assets1.1297%1,895
Return on assets (ROA)1.1297%1,971
Pretax return on assets1.4189%1,933
Return on Equity (ROE)13.3812%1,033
Retained earnings to average equity (ytd only)8.2107%1,159
Net charge-offs to loans-0.0159%5,126
Credit loss provision to net charge-offs2,019.1919%185
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2921%4,014
Assets per employee ($millions)4.8936%2,425
Cash dividends to net income (ytd only)*38.6399%2,375
Condition Ratios (%)
Loss allowance to loans0.9830%4,826
Loan loss allowance to noncurrent loans1,030.1508%564
Noncurrent assets plus other real estate owned to assets0.0724%5,469
Noncurrent loans to loans0.0954%5,250
Net loans and leases to total assets52.7460%4,685
Net loans and leases to deposits73.0463%3,646
Net loans and leases to core deposits83.8157%3,066
Total domestic deposits to total assets72.2090%5,848
Equity capital to assets8.5651%5,666
Core capital (leverage) ratio8.0159%5,892
Tier 1 risk-based capital ratio12.5736%4,700
Total risk-based capital ratio13.4066%4,898
Memoranda:
Average total assets$1,527,147,500469
Average earning assets$1,420,509,250459
Average equity$128,933,750592
Average total loans$828,809,250569
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8582%3,835
Cost of funding earning assets0.7091%804
Net interest margin3.1491%4,829
Noninterest income to average assets0.6658%2,382
Noninterest expense to average assets2.3340%4,764
Loan and lease loss provision to assets-0.1666%6,151
Net operating income to assets1.1391%1,809
Return on assets (ROA)1.1391%1,887
Pretax return on assets1.4282%1,872
Return on Equity (ROE)13.5594%992
Retained earnings to average equity (ytd only)8.3709%1,132
Net charge-offs to loans-0.0389%5,439
Credit loss provision to net charge-offs783.2298%439
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6328%4,251
Assets per employee ($millions)4.9643%2,317
Cash dividends to net income (ytd only)*38.2653%2,469
Condition Ratios (%)
Loss allowance to loans1.0848%4,407
Loan loss allowance to noncurrent loans581.0200%903
Noncurrent assets plus other real estate owned to assets0.1406%5,300
Noncurrent loans to loans0.1867%5,032
Net loans and leases to total assets53.4970%4,612
Net loans and leases to deposits74.9753%3,386
Net loans and leases to core deposits86.5467%2,705
Total domestic deposits to total assets71.3529%5,968
Equity capital to assets8.3460%5,799
Core capital (leverage) ratio8.1789%5,804
Tier 1 risk-based capital ratio12.7810%4,636
Total risk-based capital ratio13.7096%4,744
Memoranda:
Average total assets$1,514,211,330474
Average earning assets$1,408,786,330466
Average equity$127,203,330602
Average total loans$827,019,330564
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8255%3,906
Cost of funding earning assets0.7093%824
Net interest margin3.1162%4,901
Noninterest income to average assets0.6195%2,546
Noninterest expense to average assets2.3420%4,765
Loan and lease loss provision to assets-0.1928%6,258
Net operating income to assets1.1019%1,866
Return on assets (ROA)1.1019%1,969
Pretax return on assets1.3720%1,990
Return on Equity (ROE)13.0733%1,073
Retained earnings to average equity (ytd only)8.0257%1,563
Net charge-offs to loans-0.1090%5,884
Credit loss provision to net charge-offs322.2222%775
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2237%4,121
Assets per employee ($millions)4.9529%2,415
Cash dividends to net income (ytd only)*38.6100%2,077
Condition Ratios (%)
Loss allowance to loans1.1754%4,120
Loan loss allowance to noncurrent loans267.0376%1,756
Noncurrent assets plus other real estate owned to assets0.2587%4,912
Noncurrent loans to loans0.4402%4,277
Net loans and leases to total assets53.2551%4,521
Net loans and leases to deposits73.4136%3,383
Net loans and leases to core deposits84.5815%2,705
Total domestic deposits to total assets72.5413%6,010
Equity capital to assets8.5479%5,706
Core capital (leverage) ratio8.1369%5,858
Tier 1 risk-based capital ratio12.7909%4,731
Total risk-based capital ratio13.8049%4,784
Memoranda:
Average total assets$1,504,328,500476
Average earning assets$1,400,822,500462
Average equity$126,792,500604
Average total loans$825,713,000560
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9521%3,914
Cost of funding earning assets0.7284%958
Net interest margin3.2237%4,846
Noninterest income to average assets0.6796%2,399
Noninterest expense to average assets2.4416%4,723
Loan and lease loss provision to assets-0.0455%6,018
Net operating income to assets1.0553%2,145
Return on assets (ROA)1.0607%2,184
Pretax return on assets1.2856%2,292
Return on Equity (ROE)13.2777%1,082
Retained earnings to average equity (ytd only)7.3087%1,271
Net charge-offs to loans0.0893%3,212
Credit loss provision to net charge-offs-91.2568%5,503
Earnings coverage of net charge-offs (x)24.7363%1,520
Efficiency ratio66.0970%4,230
Assets per employee ($millions)4.8882%2,474
Cash dividends to net income (ytd only)*44.9554%2,573
Condition Ratios (%)
Loss allowance to loans1.2100%3,938
Loan loss allowance to noncurrent loans240.9351%1,961
Noncurrent assets plus other real estate owned to assets0.3062%4,809
Noncurrent loans to loans0.5022%4,159
Net loans and leases to total assets55.3081%4,409
Net loans and leases to deposits76.6489%3,126
Net loans and leases to core deposits88.4141%2,456
Total domestic deposits to total assets72.1578%6,071
Equity capital to assets8.3193%5,883
Core capital (leverage) ratio7.9582%6,026
Tier 1 risk-based capital ratio13.0776%4,674
Total risk-based capital ratio14.1973%4,673
Memoranda:
Average total assets$1,467,937,400475
Average earning assets$1,364,022,800464
Average equity$117,271,600618
Average total loans$820,158,200540
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9491%3,970
Cost of funding earning assets0.7313%984
Net interest margin3.2178%4,902
Noninterest income to average assets0.6884%2,386
Noninterest expense to average assets2.4491%4,669
Loan and lease loss provision to assets-0.0551%6,201
Net operating income to assets1.0603%2,193
Return on assets (ROA)1.0677%2,232
Pretax return on assets1.2904%2,411
Return on Equity (ROE)13.5070%1,095
Retained earnings to average equity (ytd only)8.0276%1,348
Net charge-offs to loans0.0810%3,042
Credit loss provision to net charge-offs-121.7742%5,478
Earnings coverage of net charge-offs (x)27.1168%1,463
Efficiency ratio66.2805%4,174
Assets per employee ($millions)4.9054%2,372
Cash dividends to net income (ytd only)*40.5671%2,326
Condition Ratios (%)
Loss allowance to loans1.2604%3,879
Loan loss allowance to noncurrent loans223.1760%1,981
Noncurrent assets plus other real estate owned to assets0.3441%4,892
Noncurrent loans to loans0.5648%4,227
Net loans and leases to total assets54.4549%4,521
Net loans and leases to deposits75.1256%3,294
Net loans and leases to core deposits86.7262%2,582
Total domestic deposits to total assets72.4852%6,139
Equity capital to assets8.0729%6,096
Core capital (leverage) ratio7.8912%6,137
Tier 1 risk-based capital ratio13.0376%4,844
Total risk-based capital ratio14.2034%4,811
Memoranda:
Average total assets$1,462,195,750471
Average earning assets$1,357,358,750464
Average equity$115,581,250622
Average total loans$816,525,000539
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9703%3,852
Cost of funding earning assets0.7359%985
Net interest margin3.2344%4,829
Noninterest income to average assets0.6952%2,309
Noninterest expense to average assets2.4610%4,697
Loan and lease loss provision to assets-0.0609%6,316
Net operating income to assets1.0634%2,063
Return on assets (ROA)1.0634%2,142
Pretax return on assets1.2966%2,262
Return on Equity (ROE)13.5515%1,044
Retained earnings to average equity (ytd only)8.2813%1,218
Net charge-offs to loans0.0880%2,809
Credit loss provision to net charge-offs-123.4637%5,296
Earnings coverage of net charge-offs (x)25.0391%1,407
Efficiency ratio66.2192%4,334
Assets per employee ($millions)4.7685%2,516
Cash dividends to net income (ytd only)*38.8903%2,452
Condition Ratios (%)
Loss allowance to loans1.3064%3,824
Loan loss allowance to noncurrent loans227.4660%1,920
Noncurrent assets plus other real estate owned to assets0.3591%4,950
Noncurrent loans to loans0.5743%4,299
Net loans and leases to total assets55.2182%4,381
Net loans and leases to deposits76.0358%3,055
Net loans and leases to core deposits87.8723%2,327
Total domestic deposits to total assets72.6213%6,207
Equity capital to assets8.1629%6,053
Core capital (leverage) ratio7.8834%6,165
Tier 1 risk-based capital ratio12.9342%4,955
Total risk-based capital ratio14.1480%4,913
Memoranda:
Average total assets$1,450,875,000474
Average earning assets$1,346,407,000465
Average equity$113,847,330624
Average total loans$813,656,000538
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9815%3,763
Cost of funding earning assets0.7438%995
Net interest margin3.2377%4,786
Noninterest income to average assets0.7032%2,152
Noninterest expense to average assets2.4908%4,655
Loan and lease loss provision to assets-0.0670%6,466
Net operating income to assets1.0571%1,978
Return on assets (ROA)1.0571%2,050
Pretax return on assets1.2858%2,147
Return on Equity (ROE)13.7523%989
Retained earnings to average equity (ytd only)8.3479%1,471
Net charge-offs to loans0.0779%2,373
Credit loss provision to net charge-offs-153.1646%4,922
Earnings coverage of net charge-offs (x)27.8544%1,096
Efficiency ratio66.7936%4,399
Assets per employee ($millions)4.5897%2,829
Cash dividends to net income (ytd only)*39.2979%2,018
Condition Ratios (%)
Loss allowance to loans1.3687%3,748
Loan loss allowance to noncurrent loans211.9129%1,996
Noncurrent assets plus other real estate owned to assets0.3881%4,988
Noncurrent loans to loans0.6459%4,245
Net loans and leases to total assets54.9759%4,284
Net loans and leases to deposits74.9432%2,951
Net loans and leases to core deposits86.3017%2,289
Total domestic deposits to total assets73.3567%6,287
Equity capital to assets7.8412%6,150
Core capital (leverage) ratio7.7491%6,247
Tier 1 risk-based capital ratio12.8687%5,083
Total risk-based capital ratio14.1191%5,022
Memoranda:
Average total assets$1,444,345,500474
Average earning assets$1,341,196,500463
Average equity$111,021,500644
Average total loans$810,955,000535
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1650%3,477
Cost of funding earning assets0.8473%959
Net interest margin3.3177%4,598
Noninterest income to average assets0.7665%2,232
Noninterest expense to average assets2.5604%4,586
Loan and lease loss provision to assets0.0795%3,517
Net operating income to assets0.9939%2,348
Return on assets (ROA)1.0040%2,375
Pretax return on assets1.2187%2,505
Return on Equity (ROE)12.6249%1,249
Retained earnings to average equity (ytd only)6.3278%1,789
Net charge-offs to loans0.1944%2,914
Credit loss provision to net charge-offs71.7700%3,253
Earnings coverage of net charge-offs (x)11.6105%2,219
Efficiency ratio66.1558%4,529
Assets per employee ($millions)4.6250%2,692
Cash dividends to net income (ytd only)*49.8789%2,279
Condition Ratios (%)
Loss allowance to loans1.4181%3,557
Loan loss allowance to noncurrent loans339.8345%1,331
Noncurrent assets plus other real estate owned to assets0.2758%5,434
Noncurrent loans to loans0.4173%4,960
Net loans and leases to total assets55.7589%4,351
Net loans and leases to deposits76.5028%2,916
Net loans and leases to core deposits87.5006%2,292
Total domestic deposits to total assets72.8848%6,368
Equity capital to assets7.5298%6,268
Core capital (leverage) ratio7.7454%6,280
Tier 1 risk-based capital ratio12.5915%5,235
Total risk-based capital ratio13.8424%5,184
Memoranda:
Average total assets$1,397,770,200483
Average earning assets$1,297,491,200472
Average equity$111,161,000633
Average total loans$796,236,800525
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1813%3,455
Cost of funding earning assets0.8604%989
Net interest margin3.3209%4,568
Noninterest income to average assets0.7981%2,158
Noninterest expense to average assets2.5638%4,505
Loan and lease loss provision to assets0.0831%3,405
Net operating income to assets1.0047%2,359
Return on assets (ROA)1.0180%2,392
Pretax return on assets1.2514%2,508
Return on Equity (ROE)12.6278%1,327
Retained earnings to average equity (ytd only)7.2690%1,757
Net charge-offs to loans0.2022%2,616
Credit loss provision to net charge-offs72.0466%3,027
Earnings coverage of net charge-offs (x)11.4226%2,249
Efficiency ratio65.6214%4,559
Assets per employee ($millions)4.5983%2,719
Cash dividends to net income (ytd only)*42.4368%2,190
Condition Ratios (%)
Loss allowance to loans1.4305%3,770
Loan loss allowance to noncurrent loans271.6628%1,502
Noncurrent assets plus other real estate owned to assets0.3387%5,392
Noncurrent loans to loans0.5266%4,879
Net loans and leases to total assets56.9929%4,170
Net loans and leases to deposits77.9785%2,668
Net loans and leases to core deposits88.7580%2,106
Total domestic deposits to total assets73.0879%6,429
Equity capital to assets7.9089%6,209
Core capital (leverage) ratio7.7774%6,337
Tier 1 risk-based capital ratio12.6965%5,326
Total risk-based capital ratio13.9479%5,271
Memoranda:
Average total assets$1,388,772,250489
Average earning assets$1,289,644,250478
Average equity$111,961,500638
Average total loans$792,558,500529
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1910%3,410
Cost of funding earning assets0.8696%1,035
Net interest margin3.3214%4,479
Noninterest income to average assets0.7857%2,260
Noninterest expense to average assets2.5743%4,474
Loan and lease loss provision to assets0.0744%3,554
Net operating income to assets0.9967%2,340
Return on assets (ROA)1.0084%2,429
Pretax return on assets1.2367%2,535
Return on Equity (ROE)12.4283%1,372
Retained earnings to average equity (ytd only)7.0859%1,851
Net charge-offs to loans0.1910%2,609
Credit loss provision to net charge-offs68.5752%2,850
Earnings coverage of net charge-offs (x)11.9507%2,020
Efficiency ratio66.0757%4,535
Assets per employee ($millions)4.5614%2,716
Cash dividends to net income (ytd only)*42.9861%2,142
Condition Ratios (%)
Loss allowance to loans1.4495%3,811
Loan loss allowance to noncurrent loans280.5083%1,502
Noncurrent assets plus other real estate owned to assets0.3445%5,450
Noncurrent loans to loans0.5168%4,979
Net loans and leases to total assets56.9902%4,135
Net loans and leases to deposits77.7308%2,603
Net loans and leases to core deposits88.7452%2,029
Total domestic deposits to total assets73.3174%6,483
Equity capital to assets7.7796%6,324
Core capital (leverage) ratio7.6767%6,379
Tier 1 risk-based capital ratio12.4790%5,522
Total risk-based capital ratio13.7305%5,458
Memoranda:
Average total assets$1,384,198,000490
Average earning assets$1,285,862,000477
Average equity$112,308,000636
Average total loans$786,437,330527
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2180%3,223
Cost of funding earning assets0.8794%1,088
Net interest margin3.3386%4,359
Noninterest income to average assets0.7382%2,383
Noninterest expense to average assets2.5798%4,473
Loan and lease loss provision to assets0.0871%3,213
Net operating income to assets0.9642%2,378
Return on assets (ROA)0.9878%2,405
Pretax return on assets1.2046%2,550
Return on Equity (ROE)11.9261%1,442
Retained earnings to average equity (ytd only)6.6708%2,330
Net charge-offs to loans0.1685%2,393
Credit loss provision to net charge-offs91.7431%1,995
Earnings coverage of net charge-offs (x)13.3089%1,538
Efficiency ratio66.7044%4,536
Assets per employee ($millions)4.5850%2,824
Cash dividends to net income (ytd only)*44.0658%1,730
Condition Ratios (%)
Loss allowance to loans1.5414%3,654
Loan loss allowance to noncurrent loans172.6943%2,130
Noncurrent assets plus other real estate owned to assets0.5605%4,986
Noncurrent loans to loans0.8926%4,352
Net loans and leases to total assets55.1200%4,219
Net loans and leases to deposits73.7400%2,951
Net loans and leases to core deposits83.5945%2,372
Total domestic deposits to total assets74.7492%6,482
Equity capital to assets8.2982%6,188
Core capital (leverage) ratio7.5702%6,442
Tier 1 risk-based capital ratio12.5115%5,572
Total risk-based capital ratio13.7637%5,519
Memoranda:
Average total assets$1,378,410,000493
Average earning assets$1,281,733,000480
Average equity$114,169,500638
Average total loans$776,079,000536
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5843%3,062
Cost of funding earning assets1.0901%940
Net interest margin3.4942%4,525
Noninterest income to average assets0.8082%2,228
Noninterest expense to average assets2.7041%4,385
Loan and lease loss provision to assets0.1733%3,457
Net operating income to assets0.9530%2,531
Return on assets (ROA)1.0047%2,537
Pretax return on assets1.2303%2,681
Return on Equity (ROE)12.1846%1,456
Retained earnings to average equity (ytd only)6.5888%1,773
Net charge-offs to loans0.3586%2,838
Credit loss provision to net charge-offs83.9416%3,698
Earnings coverage of net charge-offs (x)6.4949%2,805
Efficiency ratio66.3724%4,431
Assets per employee ($millions)4.5139%2,930
Cash dividends to net income (ytd only)*45.9249%2,539
Condition Ratios (%)
Loss allowance to loans1.5311%3,609
Loan loss allowance to noncurrent loans154.3914%2,312
Noncurrent assets plus other real estate owned to assets0.6815%4,779
Noncurrent loans to loans0.9917%4,209
Net loans and leases to total assets55.7558%4,336
Net loans and leases to deposits75.2929%2,906
Net loans and leases to core deposits85.0289%2,422
Total domestic deposits to total assets74.0519%6,523
Equity capital to assets8.2671%6,225
Core capital (leverage) ratio7.5664%6,465
Tier 1 risk-based capital ratio12.1504%5,686
Total risk-based capital ratio13.4025%5,647
Memoranda:
Average total assets$1,327,526,000501
Average earning assets$1,229,614,000489
Average equity$109,458,200649
Average total loans$763,996,600537
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6559%2,988
Cost of funding earning assets1.1338%930
Net interest margin3.5220%4,557
Noninterest income to average assets0.8066%2,210
Noninterest expense to average assets2.6903%4,404
Loan and lease loss provision to assets0.1115%4,173
Net operating income to assets1.0003%2,493
Return on assets (ROA)1.0674%2,436
Pretax return on assets1.3514%2,405
Return on Equity (ROE)12.9542%1,347
Retained earnings to average equity (ytd only)7.2639%1,969
Net charge-offs to loans0.2480%3,233
Credit loss provision to net charge-offs77.7935%3,683
Earnings coverage of net charge-offs (x)9.6138%2,298
Efficiency ratio65.6284%4,518
Assets per employee ($millions)4.3784%3,109
Cash dividends to net income (ytd only)*43.9263%1,983
Condition Ratios (%)
Loss allowance to loans1.5604%3,690
Loan loss allowance to noncurrent loans160.9984%2,142
Noncurrent assets plus other real estate owned to assets0.6898%4,965
Noncurrent loans to loans0.9692%4,501
Net loans and leases to total assets56.9837%4,298
Net loans and leases to deposits76.7307%2,867
Net loans and leases to core deposits86.8082%2,367
Total domestic deposits to total assets74.2645%6,580
Equity capital to assets8.4840%6,275
Core capital (leverage) ratio7.5508%6,591
Tier 1 risk-based capital ratio12.2630%5,797
Total risk-based capital ratio13.5158%5,767
Memoranda:
Average total assets$1,315,222,750508
Average earning assets$1,218,015,500495
Average equity$108,368,500655
Average total loans$760,108,750535
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6836%2,989
Cost of funding earning assets1.1758%909
Net interest margin3.5078%4,635
Noninterest income to average assets0.8081%2,147
Noninterest expense to average assets2.7126%4,359
Loan and lease loss provision to assets0.1376%3,800
Net operating income to assets0.9580%2,623
Return on assets (ROA)1.0450%2,499
Pretax return on assets1.3162%2,497
Return on Equity (ROE)12.8123%1,411
Retained earnings to average equity (ytd only)6.9562%2,126
Net charge-offs to loans0.2532%3,064
Credit loss provision to net charge-offs94.0439%2,929
Earnings coverage of net charge-offs (x)9.1850%2,198
Efficiency ratio66.3752%4,470
Assets per employee ($millions)4.4381%3,027
Cash dividends to net income (ytd only)*45.7072%1,932
Condition Ratios (%)
Loss allowance to loans1.6198%3,533
Loan loss allowance to noncurrent loans188.6082%1,808
Noncurrent assets plus other real estate owned to assets0.6369%5,181
Noncurrent loans to loans0.8588%4,791
Net loans and leases to total assets56.3787%4,407
Net loans and leases to deposits76.2647%2,946
Net loans and leases to core deposits86.5826%2,354
Total domestic deposits to total assets73.9250%6,685
Equity capital to assets8.2187%6,439
Core capital (leverage) ratio7.5062%6,628
Tier 1 risk-based capital ratio12.0891%5,867
Total risk-based capital ratio13.3420%5,850
Memoranda:
Average total assets$1,308,491,670513
Average earning assets$1,211,585,000500
Average equity$106,725,670663
Average total loans$755,801,330536
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7232%2,958
Cost of funding earning assets1.2320%840
Net interest margin3.4912%4,755
Noninterest income to average assets0.8368%2,006
Noninterest expense to average assets2.7475%4,252
Loan and lease loss provision to assets0.1419%3,580
Net operating income to assets0.9277%2,797
Return on assets (ROA)1.1031%2,253
Pretax return on assets1.3993%2,191
Return on Equity (ROE)13.5774%1,284
Retained earnings to average equity (ytd only)7.4197%2,220
Net charge-offs to loans0.2453%2,705
Credit loss provision to net charge-offs99.7835%2,382
Earnings coverage of net charge-offs (x)9.2749%1,859
Efficiency ratio67.0528%4,349
Assets per employee ($millions)4.3802%3,229
Cash dividends to net income (ytd only)*45.3531%1,600
Condition Ratios (%)
Loss allowance to loans1.6507%3,537
Loan loss allowance to noncurrent loans176.5083%1,866
Noncurrent assets plus other real estate owned to assets0.6462%5,269
Noncurrent loans to loans0.9352%4,798
Net loans and leases to total assets56.1092%4,363
Net loans and leases to deposits74.4234%3,061
Net loans and leases to core deposits83.5752%2,597
Total domestic deposits to total assets75.3919%6,601
Equity capital to assets8.1039%6,446
Core capital (leverage) ratio7.4368%6,673
Tier 1 risk-based capital ratio12.0647%5,918
Total risk-based capital ratio13.3183%5,890
Memoranda:
Average total assets$1,299,238,500518
Average earning assets$1,201,986,500503
Average equity$105,557,500668
Average total loans$753,471,000537
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1027%2,446
Cost of funding earning assets1.4255%937
Net interest margin3.6772%4,402
Noninterest income to average assets0.7445%2,367
Noninterest expense to average assets2.6914%4,773
Loan and lease loss provision to assets0.3110%3,182
Net operating income to assets0.9572%2,378
Return on assets (ROA)0.9574%2,509
Pretax return on assets1.1349%2,710
Return on Equity (ROE)11.8488%1,450
Retained earnings to average equity (ytd only)5.3103%2,442
Net charge-offs to loans0.5109%2,948
Credit loss provision to net charge-offs100.0523%3,499
Earnings coverage of net charge-offs (x)4.6512%3,034
Efficiency ratio64.4689%5,046
Assets per employee ($millions)4.2671%3,326
Cash dividends to net income (ytd only)*55.1830%1,782
Condition Ratios (%)
Loss allowance to loans1.6343%3,446
Loan loss allowance to noncurrent loans173.0425%1,879
Noncurrent assets plus other real estate owned to assets0.6830%5,278
Noncurrent loans to loans0.9445%4,814
Net loans and leases to total assets57.9938%4,369
Net loans and leases to deposits77.5159%2,915
Net loans and leases to core deposits87.6403%2,413
Total domestic deposits to total assets74.8155%6,630
Equity capital to assets8.1457%6,486
Core capital (leverage) ratio7.4404%6,681
Tier 1 risk-based capital ratio11.8084%5,952
Total risk-based capital ratio13.0621%5,931
Memoranda:
Average total assets$1,230,325,000533
Average earning assets$1,135,078,000520
Average equity$99,410,600691
Average total loans$748,466,000547
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1611%2,339
Cost of funding earning assets1.4498%1,028
Net interest margin3.7113%4,287
Noninterest income to average assets0.7274%2,437
Noninterest expense to average assets2.7281%4,623
Loan and lease loss provision to assets0.2611%3,416
Net operating income to assets0.9572%2,498
Return on assets (ROA)0.9572%2,667
Pretax return on assets1.1628%2,776
Return on Equity (ROE)11.8724%1,583
Retained earnings to average equity (ytd only)5.7568%2,700
Net charge-offs to loans0.4259%3,013
Credit loss provision to net charge-offs99.9581%3,422
Earnings coverage of net charge-offs (x)5.4509%2,779
Efficiency ratio65.1008%4,879
Assets per employee ($millions)4.2839%3,301
Cash dividends to net income (ytd only)*51.5110%1,523
Condition Ratios (%)
Loss allowance to loans1.6347%3,507
Loan loss allowance to noncurrent loans204.4110%1,530
Noncurrent assets plus other real estate owned to assets0.6236%5,578
Noncurrent loans to loans0.7997%5,271
Net loans and leases to total assets58.7143%4,371
Net loans and leases to deposits78.7868%2,846
Net loans and leases to core deposits88.5216%2,424
Total domestic deposits to total assets74.5230%6,701
Equity capital to assets8.2014%6,562
Core capital (leverage) ratio7.5391%6,745
Tier 1 risk-based capital ratio11.6475%6,139
Total risk-based capital ratio12.9011%6,134
Memoranda:
Average total assets$1,216,804,500545
Average earning assets$1,122,812,500526
Average equity$98,107,250703
Average total loans$746,269,250557
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2297%2,149
Cost of funding earning assets1.4721%1,106
Net interest margin3.7576%3,999
Noninterest income to average assets0.7655%2,178
Noninterest expense to average assets2.7848%4,488
Loan and lease loss provision to assets0.2367%3,545
Net operating income to assets0.9819%2,300
Return on assets (ROA)0.9819%2,402
Pretax return on assets1.2098%2,442
Return on Equity (ROE)12.2525%1,421
Retained earnings to average equity (ytd only)6.0118%2,422
Net charge-offs to loans0.3813%3,032
Credit loss provision to net charge-offs100.2825%3,098
Earnings coverage of net charge-offs (x)6.1278%2,460
Efficiency ratio65.2116%5,021
Assets per employee ($millions)4.1516%3,448
Cash dividends to net income (ytd only)*50.9338%1,663
Condition Ratios (%)
Loss allowance to loans1.6486%3,504
Loan loss allowance to noncurrent loans184.3061%1,640
Noncurrent assets plus other real estate owned to assets0.7220%5,460
Noncurrent loans to loans0.8945%5,179
Net loans and leases to total assets60.2942%4,221
Net loans and leases to deposits79.6914%2,847
Net loans and leases to core deposits89.6695%2,417
Total domestic deposits to total assets75.6596%6,650
Equity capital to assets8.1376%6,561
Core capital (leverage) ratio7.5660%6,699
Tier 1 risk-based capital ratio11.6344%6,072
Total risk-based capital ratio12.8884%6,058
Memoranda:
Average total assets$1,199,724,000555
Average earning assets$1,106,558,330540
Average equity$96,143,670711
Average total loans$742,726,670571
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2090%2,192
Cost of funding earning assets1.4801%1,256
Net interest margin3.7289%3,952
Noninterest income to average assets0.7682%2,168
Noninterest expense to average assets2.7853%4,508
Loan and lease loss provision to assets0.2753%2,952
Net operating income to assets0.9289%2,449
Return on assets (ROA)0.9289%2,509
Pretax return on assets1.1445%2,587
Return on Equity (ROE)11.6842%1,547
Retained earnings to average equity (ytd only)5.3272%2,986
Net charge-offs to loans0.4381%2,384
Credit loss provision to net charge-offs100.9889%2,614
Earnings coverage of net charge-offs (x)5.2089%2,314
Efficiency ratio65.6278%5,098
Assets per employee ($millions)4.1866%3,478
Cash dividends to net income (ytd only)*54.4070%1,375
Condition Ratios (%)
Loss allowance to loans1.6734%3,435
Loan loss allowance to noncurrent loans216.6025%1,393
Noncurrent assets plus other real estate owned to assets0.6549%5,651
Noncurrent loans to loans0.7725%5,486
Net loans and leases to total assets60.3367%4,198
Net loans and leases to deposits78.6641%2,948
Net loans and leases to core deposits88.8384%2,500
Total domestic deposits to total assets76.7017%6,575
Equity capital to assets7.9363%6,558
Core capital (leverage) ratio7.6202%6,633
Tier 1 risk-based capital ratio11.6078%6,018
Total risk-based capital ratio12.8620%5,997
Memoranda:
Average total assets$1,187,222,500565
Average earning assets$1,094,252,500549
Average equity$94,384,000719
Average total loans$738,681,500580
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5461%2,098
Cost of funding earning assets1.6631%1,764
Net interest margin3.8830%3,567
Noninterest income to average assets0.8719%1,964
Noninterest expense to average assets2.8539%4,395
Loan and lease loss provision to assets0.4319%3,532
Net operating income to assets0.9358%2,253
Return on assets (ROA)0.9609%2,284
Pretax return on assets1.1840%2,278
Return on Equity (ROE)11.7257%1,382
Retained earnings to average equity (ytd only)4.9438%2,446
Net charge-offs to loans0.7474%2,777
Credit loss provision to net charge-offs88.9072%5,172
Earnings coverage of net charge-offs (x)3.2627%3,444
Efficiency ratio63.6191%5,416
Assets per employee ($millions)4.0439%3,695
Cash dividends to net income (ytd only)*57.8382%1,714
Condition Ratios (%)
Loss allowance to loans1.6778%3,300
Loan loss allowance to noncurrent loans202.9692%1,482
Noncurrent assets plus other real estate owned to assets0.6961%5,611
Noncurrent loans to loans0.8266%5,397
Net loans and leases to total assets62.0435%4,275
Net loans and leases to deposits82.5056%2,712
Net loans and leases to core deposits93.6293%2,306
Total domestic deposits to total assets75.1992%6,743
Equity capital to assets7.9641%6,527
Core capital (leverage) ratio7.6222%6,603
Tier 1 risk-based capital ratio11.5376%5,871
Total risk-based capital ratio12.7919%5,877
Memoranda:
Average total assets$1,124,597,400587
Average earning assets$1,033,060,000580
Average equity$92,156,600725
Average total loans$730,977,600597
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5750%2,160
Cost of funding earning assets1.6917%1,918
Net interest margin3.8833%3,598
Noninterest income to average assets0.8433%2,021
Noninterest expense to average assets2.8760%4,178
Loan and lease loss provision to assets0.3869%3,572
Net operating income to assets0.9321%2,490
Return on assets (ROA)0.9659%2,476
Pretax return on assets1.1867%2,543
Return on Equity (ROE)11.7003%1,593
Retained earnings to average equity (ytd only)5.1736%2,860
Net charge-offs to loans0.5835%2,988
Credit loss provision to net charge-offs101.2218%4,263
Earnings coverage of net charge-offs (x)4.0081%3,219
Efficiency ratio64.5461%5,138
Assets per employee ($millions)4.0009%3,835
Cash dividends to net income (ytd only)*55.7828%1,394
Condition Ratios (%)
Loss allowance to loans1.7798%2,850
Loan loss allowance to noncurrent loans155.6618%1,823
Noncurrent assets plus other real estate owned to assets0.8998%5,303
Noncurrent loans to loans1.1434%4,951
Net loans and leases to total assets61.9194%4,548
Net loans and leases to deposits83.2181%2,863
Net loans and leases to core deposits94.3047%2,483
Total domestic deposits to total assets74.4062%6,872
Equity capital to assets8.2487%6,563
Core capital (leverage) ratio7.7161%6,656
Tier 1 risk-based capital ratio11.5382%5,893
Total risk-based capital ratio12.7909%5,881
Memoranda:
Average total assets$1,113,572,250592
Average earning assets$1,022,156,750583
Average equity$91,926,750726
Average total loans$729,353,500596
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6393%1,987
Cost of funding earning assets1.7241%1,995
Net interest margin3.9151%3,380
Noninterest income to average assets0.8348%1,945
Noninterest expense to average assets2.8694%4,192
Loan and lease loss provision to assets0.4122%3,259
Net operating income to assets0.9348%2,422
Return on assets (ROA)0.9432%2,481
Pretax return on assets1.1561%2,563
Return on Equity (ROE)11.4221%1,617
Retained earnings to average equity (ytd only)4.8044%3,009
Net charge-offs to loans0.6104%2,701
Credit loss provision to net charge-offs101.7536%4,011
Earnings coverage of net charge-offs (x)3.8462%3,154
Efficiency ratio64.1009%5,318
Assets per employee ($millions)3.8557%4,082
Cash dividends to net income (ytd only)*57.9374%1,389
Condition Ratios (%)
Loss allowance to loans1.7875%2,755
Loan loss allowance to noncurrent loans168.2259%1,678
Noncurrent assets plus other real estate owned to assets0.7929%5,528
Noncurrent loans to loans1.0625%5,190
Net loans and leases to total assets64.6437%4,120
Net loans and leases to deposits86.5759%2,420
Net loans and leases to core deposits97.7344%2,259
Total domestic deposits to total assets74.6671%6,889
Equity capital to assets8.4919%6,171
Core capital (leverage) ratio7.8390%6,452
Tier 1 risk-based capital ratio11.4188%5,853
Total risk-based capital ratio12.6750%5,815
Memoranda:
Average total assets$1,098,009,330600
Average earning assets$1,007,579,330589
Average equity$90,666,670722
Average total loans$728,656,330599
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6309%2,027
Cost of funding earning assets1.7531%2,115
Net interest margin3.8779%3,419
Noninterest income to average assets0.9022%1,614
Noninterest expense to average assets2.8618%4,217
Loan and lease loss provision to assets0.4414%2,760
Net operating income to assets0.9425%2,383
Return on assets (ROA)0.9593%2,394
Pretax return on assets1.1758%2,453
Return on Equity (ROE)11.7867%1,548
Retained earnings to average equity (ytd only)5.0463%3,130
Net charge-offs to loans0.6581%2,176
Credit loss provision to net charge-offs100.6672%3,367
Earnings coverage of net charge-offs (x)3.6414%2,839
Efficiency ratio63.4813%5,590
Assets per employee ($millions)3.8730%4,159
Cash dividends to net income (ytd only)*57.1864%1,311
Condition Ratios (%)
Loss allowance to loans1.7803%2,789
Loan loss allowance to noncurrent loans147.7811%1,886
Noncurrent assets plus other real estate owned to assets0.9008%5,359
Noncurrent loans to loans1.2047%4,951
Net loans and leases to total assets65.1401%4,074
Net loans and leases to deposits87.2757%2,361
Net loans and leases to core deposits99.2292%2,209
Total domestic deposits to total assets74.6372%6,964
Equity capital to assets8.1811%6,455
Core capital (leverage) ratio7.8367%6,454
Tier 1 risk-based capital ratio11.2376%5,911
Total risk-based capital ratio12.4934%5,871
Memoranda:
Average total assets$1,093,726,000620
Average earning assets$1,003,028,500609
Average equity$89,015,500735
Average total loans$728,809,000619
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9053%2,209
Cost of funding earning assets2.0173%2,883
Net interest margin3.8880%3,317
Noninterest income to average assets0.9754%1,649
Noninterest expense to average assets2.9671%4,273
Loan and lease loss provision to assets0.5693%3,534
Net operating income to assets0.8502%2,348
Return on assets (ROA)0.9010%2,242
Pretax return on assets1.0703%2,342
Return on Equity (ROE)11.3969%1,321
Retained earnings to average equity (ytd only)4.1874%2,290
Net charge-offs to loans0.6968%3,096
Credit loss provision to net charge-offs119.5644%4,487
Earnings coverage of net charge-offs (x)3.3163%3,399
Efficiency ratio64.4929%5,677
Assets per employee ($millions)3.8159%4,246
Cash dividends to net income (ytd only)*63.2583%1,858
Condition Ratios (%)
Loss allowance to loans1.7825%2,607
Loan loss allowance to noncurrent loans139.6793%2,050
Noncurrent assets plus other real estate owned to assets0.9231%5,247
Noncurrent loans to loans1.2761%4,794
Net loans and leases to total assets65.7601%4,215
Net loans and leases to deposits88.9670%2,394
Net loans and leases to core deposits116.0225%2,315
Total domestic deposits to total assets73.9152%7,026
Equity capital to assets8.0959%6,468
Core capital (leverage) ratio7.8492%6,390
Tier 1 risk-based capital ratio11.6455%5,250
Total risk-based capital ratio12.9023%5,201
Memoranda:
Average total assets$1,070,230,600631
Average earning assets$982,917,000613
Average equity$84,610,800758
Average total loans$731,354,000628
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9359%2,292
Cost of funding earning assets2.0642%3,055
Net interest margin3.8717%3,341
Noninterest income to average assets1.0084%1,577
Noninterest expense to average assets3.0082%4,017
Loan and lease loss provision to assets0.5690%3,109
Net operating income to assets0.8207%2,722
Return on assets (ROA)0.8880%2,542
Pretax return on assets1.0735%2,659
Return on Equity (ROE)11.3013%1,543
Retained earnings to average equity (ytd only)4.2967%2,874
Net charge-offs to loans0.7108%2,570
Credit loss provision to net charge-offs116.5514%4,362
Earnings coverage of net charge-offs (x)3.1983%3,639
Efficiency ratio65.0443%5,542
Assets per employee ($millions)3.7142%4,390
Cash dividends to net income (ytd only)*61.9805%1,518
Condition Ratios (%)
Loss allowance to loans1.7330%2,511
Loan loss allowance to noncurrent loans134.2690%2,116
Noncurrent assets plus other real estate owned to assets0.9820%5,098
Noncurrent loans to loans1.2907%4,782
Net loans and leases to total assets66.9410%4,200
Net loans and leases to deposits90.1441%2,552
Net loans and leases to core deposits114.9611%2,731
Total domestic deposits to total assets74.2600%6,904
Equity capital to assets8.3524%6,441
Core capital (leverage) ratio7.8248%6,584
Tier 1 risk-based capital ratio11.5798%5,364
Total risk-based capital ratio12.8362%5,292
Memoranda:
Average total assets$1,065,907,750642
Average earning assets$980,429,000627
Average equity$83,752,250779
Average total loans$732,158,750646
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9617%2,338
Cost of funding earning assets2.0935%3,299
Net interest margin3.8682%3,259
Noninterest income to average assets0.9969%1,602
Noninterest expense to average assets3.0883%3,747
Loan and lease loss provision to assets0.5649%2,762
Net operating income to assets0.7540%3,029
Return on assets (ROA)0.8562%2,731
Pretax return on assets1.0232%2,914
Return on Equity (ROE)11.1322%1,664
Retained earnings to average equity (ytd only)3.4388%3,409
Net charge-offs to loans0.8010%2,078
Credit loss provision to net charge-offs102.3834%4,470
Earnings coverage of net charge-offs (x)2.6578%3,747
Efficiency ratio67.0172%5,357
Assets per employee ($millions)3.6350%4,484
Cash dividends to net income (ytd only)*69.1093%1,397
Condition Ratios (%)
Loss allowance to loans1.6501%2,523
Loan loss allowance to noncurrent loans144.1454%2,045
Noncurrent assets plus other real estate owned to assets0.9672%5,043
Noncurrent loans to loans1.1447%4,925
Net loans and leases to total assets69.0950%3,922
Net loans and leases to deposits92.7164%2,330
Net loans and leases to core deposits115.1835%2,789
Total domestic deposits to total assets74.5229%6,863
Equity capital to assets7.9312%6,828
Core capital (leverage) ratio7.7470%6,674
Tier 1 risk-based capital ratio11.4964%5,383
Total risk-based capital ratio12.7520%5,298
Memoranda:
Average total assets$1,064,649,670656
Average earning assets$979,210,000638
Average equity$81,888,330804
Average total loans$733,317,000666
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9191%2,705
Cost of funding earning assets2.1080%3,613
Net interest margin3.8111%3,403
Noninterest income to average assets0.8987%1,858
Noninterest expense to average assets3.1342%3,248
Loan and lease loss provision to assets0.5466%2,286
Net operating income to assets0.6404%3,835
Return on assets (ROA)0.7126%3,689
Pretax return on assets0.8092%4,048
Return on Equity (ROE)9.4062%2,570
Retained earnings to average equity (ytd only)-0.1520%5,679
Net charge-offs to loans0.8324%1,560
Credit loss provision to net charge-offs96.2721%3,869
Earnings coverage of net charge-offs (x)2.2433%3,616
Efficiency ratio70.2949%4,512
Assets per employee ($millions)3.8090%4,073
Cash dividends to net income (ytd only)*101.6154%750
Condition Ratios (%)
Loss allowance to loans1.6295%2,403
Loan loss allowance to noncurrent loans102.8017%2,985
Noncurrent assets plus other real estate owned to assets1.3509%3,964
Noncurrent loans to loans1.5851%3,900
Net loans and leases to total assets67.2579%4,299
Net loans and leases to deposits92.0888%2,585
Net loans and leases to core deposits113.6898%3,036
Total domestic deposits to total assets73.0359%7,046
Equity capital to assets7.6499%7,220
Core capital (leverage) ratio7.4290%7,237
Tier 1 risk-based capital ratio11.2054%5,698
Total risk-based capital ratio12.4606%5,604
Memoranda:
Average total assets$1,077,164,000641
Average earning assets$991,847,500629
Average equity$81,605,500804
Average total loans$734,786,500672
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4541%3,173
Cost of funding earning assets2.6895%3,210
Net interest margin3.7646%4,163
Noninterest income to average assets0.8486%2,245
Noninterest expense to average assets2.7842%4,891
Loan and lease loss provision to assets0.9180%1,623
Net operating income to assets0.5907%4,347
Return on assets (ROA)0.5930%4,198
Pretax return on assets0.6132%4,655
Return on Equity (ROE)7.4848%3,289
Retained earnings to average equity (ytd only)0.4099%4,998
Net charge-offs to loans0.8016%1,557
Credit loss provision to net charge-offs168.4397%3,053
Earnings coverage of net charge-offs (x)2.8051%4,683
Efficiency ratio63.6248%5,641
Assets per employee ($millions)3.8576%3,837
Cash dividends to net income (ytd only)*94.5241%1,149
Condition Ratios (%)
Loss allowance to loans1.6241%2,141
Loan loss allowance to noncurrent loans99.2463%3,479
Noncurrent assets plus other real estate owned to assets1.3693%3,455
Noncurrent loans to loans1.6364%3,318
Net loans and leases to total assets66.9544%4,646
Net loans and leases to deposits93.3374%2,890
Net loans and leases to core deposits114.0866%3,331
Total domestic deposits to total assets71.7338%7,047
Equity capital to assets7.5029%7,375
Core capital (leverage) ratio7.4434%7,270
Tier 1 risk-based capital ratio11.1184%5,627
Total risk-based capital ratio12.3735%5,504
Memoranda:
Average total assets$1,034,817,200638
Average earning assets$952,307,800629
Average equity$81,980,000811
Average total loans$703,609,800677