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Kleberg Bank, N.A., Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4141%2,275
Cost of funding earning assets1.3291%3,544
Net interest margin4.0850%1,134
Noninterest income to average assets0.7100%1,015
Noninterest expense to average assets2.9377%1,256
Loan and lease loss provision to assets0.1600%793
Net operating income to assets1.2641%1,556
Return on assets (ROA)1.2641%1,559
Pretax return on assets1.2641%2,078
Return on Equity (ROE)14.5500%1,167
Retained earnings to average equity (ytd only)6.9196%2,023
Net charge-offs to loans0.1528%643
Credit loss provision to net charge-offs131.1475%1,098
Earnings coverage of net charge-offs (x)13.8306%1,587
Efficiency ratio67.2955%2,117
Assets per employee ($millions)5.7004%3,168
Cash dividends to net income (ytd only)*52.4320%1,167
Condition Ratios (%)
Loss allowance to loans1.2206%2,079
Loan loss allowance to noncurrent loans245.3411%1,881
Noncurrent assets plus other real estate owned to assets0.3347%1,972
Noncurrent loans to loans0.4975%1,869
Net loans and leases to total assets66.4500%2,240
Net loans and leases to deposits75.5894%2,435
Net loans and leases to core deposits90.5926%2,012
Total domestic deposits to total assets87.9200%1,583
Equity capital to assets8.8577%3,032
Core capital (leverage) ratio9.5294%3,254
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3248%1,747
Memoranda:
Average total assets$709,119,5001,349
Average earning assets$633,823,5001,379
Average equity$61,622,5001,512
Average total loans$478,994,0001,355
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1708%2,799
Cost of funding earning assets1.2817%3,701
Net interest margin3.8891%1,372
Noninterest income to average assets0.8700%800
Noninterest expense to average assets2.8569%1,398
Loan and lease loss provision to assets0.1600%863
Net operating income to assets1.3353%1,205
Return on assets (ROA)1.2768%1,346
Pretax return on assets1.2768%1,808
Return on Equity (ROE)15.5400%852
Retained earnings to average equity (ytd only)5.3688%2,077
Net charge-offs to loans0.0896%1,259
Credit loss provision to net charge-offs259.0331%978
Earnings coverage of net charge-offs (x)27.0356%1,605
Efficiency ratio65.6338%2,525
Assets per employee ($millions)5.8332%3,004
Cash dividends to net income (ytd only)*65.4537%970
Condition Ratios (%)
Loss allowance to loans1.2303%2,017
Loan loss allowance to noncurrent loans281.6297%1,768
Noncurrent assets plus other real estate owned to assets0.2963%2,055
Noncurrent loans to loans0.4368%1,973
Net loans and leases to total assets66.9900%2,259
Net loans and leases to deposits76.5481%2,401
Net loans and leases to core deposits91.4936%2,006
Total domestic deposits to total assets87.5200%1,695
Equity capital to assets8.5179%3,183
Core capital (leverage) ratio9.6717%3,052
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4751%1,683
Memoranda:
Average total assets$710,273,0001,331
Average earning assets$635,263,4001,360
Average equity$58,355,8001,529
Average total loans$438,625,0001,435
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1197%2,818
Cost of funding earning assets1.2880%3,688
Net interest margin3.8317%1,409
Noninterest income to average assets0.9000%727
Noninterest expense to average assets2.7824%1,492
Loan and lease loss provision to assets0.1100%1,157
Net operating income to assets1.4318%1,047
Return on assets (ROA)1.3747%1,153
Pretax return on assets1.3747%1,577
Return on Equity (ROE)16.8800%700
Retained earnings to average equity (ytd only)4.4544%2,671
Net charge-offs to loans0.0925%1,032
Credit loss provision to net charge-offs196.3087%1,094
Earnings coverage of net charge-offs (x)27.7114%1,578
Efficiency ratio64.3036%2,680
Assets per employee ($millions)5.7810%3,044
Cash dividends to net income (ytd only)*73.6190%606
Condition Ratios (%)
Loss allowance to loans1.2450%1,972
Loan loss allowance to noncurrent loans947.1601%746
Noncurrent assets plus other real estate owned to assets0.0838%3,130
Noncurrent loans to loans0.1314%3,018
Net loans and leases to total assets62.9200%2,644
Net loans and leases to deposits70.2217%2,960
Net loans and leases to core deposits83.8996%2,574
Total domestic deposits to total assets89.6100%707
Equity capital to assets9.1775%2,897
Core capital (leverage) ratio9.4017%3,370
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8648%1,573
Memoranda:
Average total assets$712,845,2501,319
Average earning assets$637,680,2501,350
Average equity$58,038,7501,527
Average total loans$429,587,7501,451
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0289%2,897
Cost of funding earning assets1.2929%3,641
Net interest margin3.7360%1,532
Noninterest income to average assets0.9400%664
Noninterest expense to average assets2.7521%1,562
Loan and lease loss provision to assets0.1100%1,067
Net operating income to assets1.4207%1,047
Return on assets (ROA)1.4207%1,048
Pretax return on assets1.4207%1,436
Return on Equity (ROE)18.1900%599
Retained earnings to average equity (ytd only)3.0198%3,039
Net charge-offs to loans0.0790%1,009
Credit loss provision to net charge-offs241.0714%913
Earnings coverage of net charge-offs (x)32.8214%1,353
Efficiency ratio64.2204%2,747
Assets per employee ($millions)5.7393%3,020
Cash dividends to net income (ytd only)*83.4018%582
Condition Ratios (%)
Loss allowance to loans1.2597%1,937
Loan loss allowance to noncurrent loans868.3121%856
Noncurrent assets plus other real estate owned to assets0.0904%3,021
Noncurrent loans to loans0.1451%2,925
Net loans and leases to total assets61.5500%2,808
Net loans and leases to deposits67.8641%3,136
Net loans and leases to core deposits79.5147%2,831
Total domestic deposits to total assets90.7000%531
Equity capital to assets8.1526%3,334
Core capital (leverage) ratio9.1555%3,588
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0333%1,514
Memoranda:
Average total assets$719,220,0001,316
Average earning assets$644,748,3331,334
Average equity$56,163,0001,546
Average total loans$425,445,0001,465
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9437%2,900
Cost of funding earning assets1.2793%3,593
Net interest margin3.6644%1,609
Noninterest income to average assets1.1000%485
Noninterest expense to average assets2.7485%1,575
Loan and lease loss provision to assets0.1500%697
Net operating income to assets1.4992%902
Return on assets (ROA)1.4992%916
Pretax return on assets1.4992%1,250
Return on Equity (ROE)19.6100%470
Retained earnings to average equity (ytd only)12.0422%735
Net charge-offs to loans0.1091%686
Credit loss provision to net charge-offs234.7826%757
Earnings coverage of net charge-offs (x)26.1913%1,225
Efficiency ratio62.5327%2,974
Assets per employee ($millions)6.1104%2,745
Cash dividends to net income (ytd only)*38.5850%1,596
Condition Ratios (%)
Loss allowance to loans1.2610%1,949
Loan loss allowance to noncurrent loans715.1798%1,057
Noncurrent assets plus other real estate owned to assets0.1007%2,955
Noncurrent loans to loans0.1763%2,739
Net loans and leases to total assets56.4200%3,159
Net loans and leases to deposits64.1210%3,284
Net loans and leases to core deposits73.5919%3,131
Total domestic deposits to total assets87.9800%1,426
Equity capital to assets7.4980%3,675
Core capital (leverage) ratio9.0759%3,642
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3580%1,440
Memoranda:
Average total assets$731,603,5001,298
Average earning assets$657,243,5001,329
Average equity$55,936,5001,544
Average total loans$421,722,5001,470
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7201%2,634
Cost of funding earning assets0.9964%3,306
Net interest margin3.7237%1,711
Noninterest income to average assets0.7400%1,086
Noninterest expense to average assets2.7093%1,713
Loan and lease loss provision to assets0.0900%1,416
Net operating income to assets1.2619%1,519
Return on assets (ROA)1.1998%1,628
Pretax return on assets1.1998%2,142
Return on Equity (ROE)16.4100%1,036
Retained earnings to average equity (ytd only)5.8804%2,295
Net charge-offs to loans0.0904%973
Credit loss provision to net charge-offs146.7391%1,491
Earnings coverage of net charge-offs (x)26.2011%1,714
Efficiency ratio66.6563%2,267
Assets per employee ($millions)5.9812%2,842
Cash dividends to net income (ytd only)*64.1753%1,030
Condition Ratios (%)
Loss allowance to loans1.2493%2,023
Loan loss allowance to noncurrent loans495.8175%1,450
Noncurrent assets plus other real estate owned to assets0.1466%2,541
Noncurrent loans to loans0.2520%2,292
Net loans and leases to total assets57.4400%3,087
Net loans and leases to deposits66.4338%3,143
Net loans and leases to core deposits76.5523%2,939
Total domestic deposits to total assets86.4700%1,871
Equity capital to assets7.7992%3,544
Core capital (leverage) ratio8.8469%3,869
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4043%1,415
Memoranda:
Average total assets$711,440,2001,292
Average earning assets$635,095,4001,318
Average equity$52,003,4001,556
Average total loans$407,208,0001,454
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5973%2,683
Cost of funding earning assets0.9086%3,253
Net interest margin3.6887%1,802
Noninterest income to average assets0.7100%1,148
Noninterest expense to average assets2.6868%1,706
Loan and lease loss provision to assets0.0900%1,295
Net operating income to assets1.2184%1,739
Return on assets (ROA)1.1638%1,875
Pretax return on assets1.1638%2,379
Return on Equity (ROE)16.2000%1,220
Retained earnings to average equity (ytd only)3.5365%3,375
Net charge-offs to loans0.0926%831
Credit loss provision to net charge-offs135.2313%1,385
Earnings coverage of net charge-offs (x)24.8292%1,698
Efficiency ratio67.2164%2,110
Assets per employee ($millions)5.6780%3,041
Cash dividends to net income (ytd only)*78.1633%495
Condition Ratios (%)
Loss allowance to loans1.2784%1,970
Loan loss allowance to noncurrent loans396.8364%1,683
Noncurrent assets plus other real estate owned to assets0.1826%2,375
Noncurrent loans to loans0.3222%2,078
Net loans and leases to total assets55.9600%3,209
Net loans and leases to deposits64.2604%3,249
Net loans and leases to core deposits73.5917%3,016
Total domestic deposits to total assets87.0800%1,868
Equity capital to assets6.8781%3,674
Core capital (leverage) ratio8.6629%4,046
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4383%1,439
Memoranda:
Average total assets$709,865,5001,287
Average earning assets$633,165,2501,318
Average equity$51,009,7501,570
Average total loans$404,633,7501,457
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4449%2,784
Cost of funding earning assets0.8021%3,196
Net interest margin3.6427%1,930
Noninterest income to average assets0.6900%1,151
Noninterest expense to average assets2.6829%1,680
Loan and lease loss provision to assets0.0700%1,542
Net operating income to assets1.1878%1,861
Return on assets (ROA)1.1058%2,101
Pretax return on assets1.1058%2,633
Return on Equity (ROE)15.1700%1,437
Retained earnings to average equity (ytd only)0.7112%3,955
Net charge-offs to loans0.0493%1,023
Credit loss provision to net charge-offs140.0000%1,237
Earnings coverage of net charge-offs (x)44.6600%1,345
Efficiency ratio68.0749%1,978
Assets per employee ($millions)5.6956%2,979
Cash dividends to net income (ytd only)*95.3121%367
Condition Ratios (%)
Loss allowance to loans1.2617%2,121
Loan loss allowance to noncurrent loans197.7821%2,601
Noncurrent assets plus other real estate owned to assets0.3624%1,465
Noncurrent loans to loans0.6379%1,168
Net loans and leases to total assets55.8700%3,131
Net loans and leases to deposits64.1227%3,184
Net loans and leases to core deposits72.4706%2,991
Total domestic deposits to total assets87.1300%1,887
Equity capital to assets7.1379%3,718
Core capital (leverage) ratio8.6472%4,046
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9312%1,591
Memoranda:
Average total assets$709,904,6671,283
Average earning assets$632,822,0001,319
Average equity$51,740,6671,557
Average total loans$405,414,6671,445
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2376%2,959
Cost of funding earning assets0.6760%3,135
Net interest margin3.5616%2,217
Noninterest income to average assets0.7000%1,089
Noninterest expense to average assets2.6904%1,704
Loan and lease loss provision to assets0.1400%788
Net operating income to assets1.0495%2,386
Return on assets (ROA)0.9954%2,511
Pretax return on assets0.9954%3,009
Return on Equity (ROE)13.5200%1,877
Retained earnings to average equity (ytd only)4.4749%3,136
Net charge-offs to loans0.0590%785
Credit loss provision to net charge-offs216.6667%791
Earnings coverage of net charge-offs (x)35.0000%1,242
Efficiency ratio69.4234%1,809
Assets per employee ($millions)5.6392%3,081
Cash dividends to net income (ytd only)*66.8934%827
Condition Ratios (%)
Loss allowance to loans1.2483%2,301
Loan loss allowance to noncurrent loans135.1480%3,082
Noncurrent assets plus other real estate owned to assets0.5368%962
Noncurrent loans to loans0.9237%812
Net loans and leases to total assets57.3900%2,920
Net loans and leases to deposits64.0771%3,077
Net loans and leases to core deposits71.7154%2,840
Total domestic deposits to total assets89.5700%1,309
Equity capital to assets7.4995%3,558
Core capital (leverage) ratio8.7008%3,985
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8121%1,678
Memoranda:
Average total assets$708,881,5001,302
Average earning assets$631,394,5001,338
Average equity$52,202,0001,557
Average total loans$406,687,0001,459
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8230%2,213
Cost of funding earning assets0.2589%3,251
Net interest margin3.5641%1,746
Noninterest income to average assets0.8000%996
Noninterest expense to average assets2.6862%1,588
Loan and lease loss provision to assets0.0800%1,457
Net operating income to assets1.1958%1,788
Return on assets (ROA)1.1958%1,724
Pretax return on assets1.1958%2,451
Return on Equity (ROE)14.3100%1,459
Retained earnings to average equity (ytd only)5.3944%2,874
Net charge-offs to loans0.0494%1,179
Credit loss provision to net charge-offs308.5106%903
Earnings coverage of net charge-offs (x)47.7500%1,392
Efficiency ratio67.7550%1,995
Assets per employee ($millions)5.6576%3,080
Cash dividends to net income (ytd only)*62.3080%876
Condition Ratios (%)
Loss allowance to loans1.2494%2,154
Loan loss allowance to noncurrent loans258.9322%2,360
Noncurrent assets plus other real estate owned to assets0.2733%1,788
Noncurrent loans to loans0.4825%1,493
Net loans and leases to total assets55.9200%3,041
Net loans and leases to deposits61.7956%3,215
Net loans and leases to core deposits68.8363%2,953
Total domestic deposits to total assets90.5000%1,148
Equity capital to assets7.2301%3,535
Core capital (leverage) ratio8.7050%3,953
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9191%1,652
Memoranda:
Average total assets$702,220,4001,306
Average earning assets$623,298,2001,342
Average equity$58,672,4001,427
Average total loans$380,207,4001,454
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7085%2,022
Cost of funding earning assets0.1813%3,505
Net interest margin3.5272%1,582
Noninterest income to average assets0.8300%974
Noninterest expense to average assets2.6931%1,489
Loan and lease loss provision to assets0.0800%1,289
Net operating income to assets1.1786%1,779
Return on assets (ROA)1.1786%1,751
Pretax return on assets1.1786%2,456
Return on Equity (ROE)13.6400%1,527
Retained earnings to average equity (ytd only)3.5154%3,612
Net charge-offs to loans0.0648%839
Credit loss provision to net charge-offs241.7582%909
Earnings coverage of net charge-offs (x)36.3956%1,426
Efficiency ratio68.0833%2,012
Assets per employee ($millions)5.1728%3,526
Cash dividends to net income (ytd only)*74.2238%522
Condition Ratios (%)
Loss allowance to loans1.2393%2,324
Loan loss allowance to noncurrent loans263.4120%2,341
Noncurrent assets plus other real estate owned to assets0.2709%1,867
Noncurrent loans to loans0.4705%1,624
Net loans and leases to total assets56.8700%2,818
Net loans and leases to deposits64.8743%2,803
Net loans and leases to core deposits71.8913%2,491
Total domestic deposits to total assets87.6700%2,526
Equity capital to assets7.0587%3,479
Core capital (leverage) ratio8.5705%3,998
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6543%1,828
Memoranda:
Average total assets$699,561,0001,315
Average earning assets$620,640,7501,357
Average equity$60,455,5001,415
Average total loans$374,334,2501,470
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5856%1,887
Cost of funding earning assets0.1338%3,790
Net interest margin3.4518%1,448
Noninterest income to average assets0.8299%984
Noninterest expense to average assets2.6434%1,517
Loan and lease loss provision to assets0.0711%1,344
Net operating income to assets1.1751%1,518
Return on assets (ROA)1.1751%1,497
Pretax return on assets1.1751%2,151
Return on Equity (ROE)12.8315%1,430
Retained earnings to average equity (ytd only)1.9218%3,773
Net charge-offs to loans0.0605%801
Credit loss provision to net charge-offs225.2252%917
Earnings coverage of net charge-offs (x)39.4865%1,264
Efficiency ratio67.9605%2,250
Assets per employee ($millions)5.0822%3,605
Cash dividends to net income (ytd only)*85.0230%534
Condition Ratios (%)
Loss allowance to loans1.2385%2,478
Loan loss allowance to noncurrent loans249.7914%2,380
Noncurrent assets plus other real estate owned to assets0.2796%1,912
Noncurrent loans to loans0.4958%1,636
Net loans and leases to total assets55.6837%2,790
Net loans and leases to deposits62.7849%2,827
Net loans and leases to core deposits67.9145%2,659
Total domestic deposits to total assets88.6897%2,299
Equity capital to assets7.4949%3,484
Core capital (leverage) ratio8.3189%4,098
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.5756%1,836
Memoranda:
Average total assets$703,418,6671,317
Average earning assets$623,493,6671,363
Average equity$64,419,6671,370
Average total loans$367,047,3331,485
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5751%1,576
Cost of funding earning assets0.1232%3,862
Net interest margin3.4518%1,184
Noninterest income to average assets0.7780%1,092
Noninterest expense to average assets2.5946%1,623
Loan and lease loss provision to assets0.0281%1,862
Net operating income to assets1.2235%1,188
Return on assets (ROA)1.2235%1,170
Pretax return on assets1.2235%1,721
Return on Equity (ROE)12.2845%1,232
Retained earnings to average equity (ytd only)6.3284%2,132
Net charge-offs to loans0.0840%584
Credit loss provision to net charge-offs66.6667%1,145
Earnings coverage of net charge-offs (x)29.7067%1,136
Efficiency ratio67.4602%2,573
Assets per employee ($millions)5.5437%3,283
Cash dividends to net income (ytd only)*48.4848%1,289
Condition Ratios (%)
Loss allowance to loans1.3240%2,244
Loan loss allowance to noncurrent loans242.1245%2,360
Noncurrent assets plus other real estate owned to assets0.2652%2,087
Noncurrent loans to loans0.5468%1,669
Net loans and leases to total assets47.8497%3,401
Net loans and leases to deposits54.8541%3,355
Net loans and leases to core deposits58.2496%3,290
Total domestic deposits to total assets87.2307%2,840
Equity capital to assets9.0879%2,634
Core capital (leverage) ratio8.5809%3,781
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0401%1,504
Memoranda:
Average total assets$712,082,5001,303
Average earning assets$632,937,0001,355
Average equity$70,918,5001,321
Average total loans$357,155,0001,499
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7383%2,010
Cost of funding earning assets0.1617%3,853
Net interest margin3.5766%1,531
Noninterest income to average assets0.8740%1,274
Noninterest expense to average assets2.7330%1,538
Loan and lease loss provision to assets0.0421%2,209
Net operating income to assets1.2441%1,763
Return on assets (ROA)1.2399%1,834
Pretax return on assets1.2399%2,552
Return on Equity (ROE)11.2321%2,089
Retained earnings to average equity (ytd only)7.6050%1,693
Net charge-offs to loans0.0497%1,319
Credit loss provision to net charge-offs151.8519%1,484
Earnings coverage of net charge-offs (x)46.3810%1,346
Efficiency ratio67.9991%1,979
Assets per employee ($millions)5.3294%3,442
Cash dividends to net income (ytd only)*32.2920%2,424
Condition Ratios (%)
Loss allowance to loans1.2751%2,476
Loan loss allowance to noncurrent loans561.8357%1,309
Noncurrent assets plus other real estate owned to assets0.1177%3,102
Noncurrent loans to loans0.2270%2,819
Net loans and leases to total assets51.2005%3,154
Net loans and leases to deposits59.8588%3,087
Net loans and leases to core deposits63.5912%3,021
Total domestic deposits to total assets85.5355%3,076
Equity capital to assets10.8520%1,903
Core capital (leverage) ratio8.5923%3,839
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.1469%1,466
Memoranda:
Average total assets$681,559,8001,304
Average earning assets$599,338,2001,379
Average equity$75,239,8001,271
Average total loans$380,285,8001,429
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7908%2,030
Cost of funding earning assets0.1757%3,863
Net interest margin3.6152%1,564
Noninterest income to average assets0.8600%1,346
Noninterest expense to average assets2.7410%1,484
Loan and lease loss provision to assets0.0271%2,454
Net operating income to assets1.2618%1,950
Return on assets (ROA)1.2562%2,032
Pretax return on assets1.2562%2,749
Return on Equity (ROE)11.3296%2,264
Retained earnings to average equity (ytd only)7.4683%2,240
Net charge-offs to loans0.0514%1,151
Credit loss provision to net charge-offs92.5676%1,650
Earnings coverage of net charge-offs (x)44.1554%1,301
Efficiency ratio68.0190%1,833
Assets per employee ($millions)5.1479%3,555
Cash dividends to net income (ytd only)*34.0816%1,894
Condition Ratios (%)
Loss allowance to loans1.1944%3,016
Loan loss allowance to noncurrent loans424.5794%1,544
Noncurrent assets plus other real estate owned to assets0.1563%3,076
Noncurrent loans to loans0.2813%2,790
Net loans and leases to total assets54.8888%2,867
Net loans and leases to deposits64.6428%2,774
Net loans and leases to core deposits68.8172%2,704
Total domestic deposits to total assets84.9109%3,147
Equity capital to assets11.2559%1,852
Core capital (leverage) ratio8.5922%3,932
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4884%1,801
Memoranda:
Average total assets$676,079,5001,329
Average earning assets$592,785,0001,409
Average equity$74,964,2501,295
Average total loans$384,147,7501,448
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7088%2,305
Cost of funding earning assets0.1928%3,826
Net interest margin3.5160%1,815
Noninterest income to average assets0.8452%1,403
Noninterest expense to average assets2.7516%1,459
Loan and lease loss provision to assets0.0258%2,455
Net operating income to assets1.1447%2,386
Return on assets (ROA)1.1438%2,450
Pretax return on assets1.1438%3,079
Return on Equity (ROE)10.3685%2,629
Retained earnings to average equity (ytd only)7.3926%2,293
Net charge-offs to loans0.0752%901
Credit loss provision to net charge-offs60.0000%1,558
Earnings coverage of net charge-offs (x)27.1724%1,368
Efficiency ratio70.1560%1,616
Assets per employee ($millions)4.8140%3,826
Cash dividends to net income (ytd only)*28.7013%2,112
Condition Ratios (%)
Loss allowance to loans1.1520%3,180
Loan loss allowance to noncurrent loans160.3424%2,776
Noncurrent assets plus other real estate owned to assets0.4131%1,959
Noncurrent loans to loans0.7185%1,646
Net loans and leases to total assets56.8363%2,800
Net loans and leases to deposits66.7609%2,750
Net loans and leases to core deposits71.0931%2,683
Total domestic deposits to total assets85.1341%3,040
Equity capital to assets11.0876%1,923
Core capital (leverage) ratio8.1414%4,313
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4809%1,808
Memoranda:
Average total assets$673,214,3331,332
Average earning assets$589,143,6671,404
Average equity$74,263,6671,295
Average total loans$385,412,6671,455
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5714%2,730
Cost of funding earning assets0.2036%3,878
Net interest margin3.3678%2,193
Noninterest income to average assets0.8735%1,400
Noninterest expense to average assets2.8047%1,358
Loan and lease loss provision to assets0.0925%1,447
Net operating income to assets0.9170%3,086
Return on assets (ROA)0.9170%3,162
Pretax return on assets0.9170%3,566
Return on Equity (ROE)8.3345%3,230
Retained earnings to average equity (ytd only)3.9042%3,530
Net charge-offs to loans0.1598%494
Credit loss provision to net charge-offs101.3072%1,103
Earnings coverage of net charge-offs (x)11.0588%1,471
Efficiency ratio73.5336%1,349
Assets per employee ($millions)4.7445%3,891
Cash dividends to net income (ytd only)*53.1555%1,042
Condition Ratios (%)
Loss allowance to loans1.1650%3,120
Loan loss allowance to noncurrent loans140.4872%2,879
Noncurrent assets plus other real estate owned to assets0.4650%1,997
Noncurrent loans to loans0.8293%1,611
Net loans and leases to total assets55.4165%3,104
Net loans and leases to deposits64.9328%3,033
Net loans and leases to core deposits71.0857%2,776
Total domestic deposits to total assets85.3444%2,982
Equity capital to assets10.4569%2,310
Core capital (leverage) ratio8.2793%4,326
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2589%1,829
Memoranda:
Average total assets$670,438,0001,330
Average earning assets$585,432,5001,392
Average equity$73,766,0001,297
Average total loans$382,978,0001,458
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9711%2,817
Cost of funding earning assets0.3225%4,013
Net interest margin3.6486%1,984
Noninterest income to average assets0.8933%1,283
Noninterest expense to average assets2.9789%1,480
Loan and lease loss provision to assets0.1524%2,469
Net operating income to assets0.9207%2,608
Return on assets (ROA)0.9215%2,741
Pretax return on assets0.9215%3,311
Return on Equity (ROE)7.9678%2,834
Retained earnings to average equity (ytd only)3.6208%3,031
Net charge-offs to loans0.2380%736
Credit loss provision to net charge-offs108.6705%2,736
Earnings coverage of net charge-offs (x)7.6520%2,675
Efficiency ratio73.5166%1,503
Assets per employee ($millions)4.4995%3,918
Cash dividends to net income (ytd only)*54.5567%1,605
Condition Ratios (%)
Loss allowance to loans1.2147%2,866
Loan loss allowance to noncurrent loans244.1823%2,017
Noncurrent assets plus other real estate owned to assets0.2899%2,838
Noncurrent loans to loans0.4975%2,483
Net loans and leases to total assets57.5580%3,137
Net loans and leases to deposits67.8178%3,098
Net loans and leases to core deposits75.0233%2,817
Total domestic deposits to total assets84.8715%2,819
Equity capital to assets11.5943%1,813
Core capital (leverage) ratio8.3299%4,379
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8688%1,900
Memoranda:
Average total assets$616,814,2001,303
Average earning assets$533,986,8001,384
Average equity$71,337,0001,277
Average total loans$363,428,0001,468
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0038%2,963
Cost of funding earning assets0.3493%4,059
Net interest margin3.6545%2,090
Noninterest income to average assets0.8732%1,305
Noninterest expense to average assets2.9941%1,454
Loan and lease loss provision to assets0.1716%2,269
Net operating income to assets0.8697%2,823
Return on assets (ROA)0.8723%2,937
Pretax return on assets0.8723%3,455
Return on Equity (ROE)7.5474%2,993
Retained earnings to average equity (ytd only)2.7641%3,623
Net charge-offs to loans0.2969%530
Credit loss provision to net charge-offs97.7584%2,651
Earnings coverage of net charge-offs (x)5.9340%2,693
Efficiency ratio74.1972%1,390
Assets per employee ($millions)4.5155%3,834
Cash dividends to net income (ytd only)*63.3768%1,007
Condition Ratios (%)
Loss allowance to loans1.1972%2,681
Loan loss allowance to noncurrent loans238.8116%1,921
Noncurrent assets plus other real estate owned to assets0.2853%3,023
Noncurrent loans to loans0.5013%2,552
Net loans and leases to total assets56.2305%3,601
Net loans and leases to deposits65.9410%3,626
Net loans and leases to core deposits71.9858%3,475
Total domestic deposits to total assets85.2740%2,327
Equity capital to assets11.2299%2,207
Core capital (leverage) ratio8.5305%4,256
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.2691%1,737
Memoranda:
Average total assets$610,160,5001,295
Average earning assets$527,951,7501,380
Average equity$70,521,0001,273
Average total loans$360,560,2501,470
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1322%2,964
Cost of funding earning assets0.3771%4,138
Net interest margin3.7551%1,972
Noninterest income to average assets0.8513%1,284
Noninterest expense to average assets3.0778%1,411
Loan and lease loss provision to assets0.2217%1,884
Net operating income to assets0.8171%2,982
Return on assets (ROA)0.8211%3,086
Pretax return on assets0.8211%3,530
Return on Equity (ROE)7.0312%3,120
Retained earnings to average equity (ytd only)2.1289%3,701
Net charge-offs to loans0.3007%529
Credit loss provision to net charge-offs123.1343%2,263
Earnings coverage of net charge-offs (x)5.7687%2,492
Efficiency ratio74.7654%1,394
Assets per employee ($millions)4.2152%4,088
Cash dividends to net income (ytd only)*69.7218%949
Condition Ratios (%)
Loss allowance to loans1.2208%2,413
Loan loss allowance to noncurrent loans289.8615%1,600
Noncurrent assets plus other real estate owned to assets0.2563%3,287
Noncurrent loans to loans0.4212%2,898
Net loans and leases to total assets60.1085%3,313
Net loans and leases to deposits72.2945%3,227
Net loans and leases to core deposits78.6067%3,064
Total domestic deposits to total assets83.1441%3,045
Equity capital to assets11.6637%1,861
Core capital (leverage) ratio8.5542%4,342
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9482%1,837
Memoranda:
Average total assets$595,300,0001,303
Average earning assets$517,646,6671,382
Average equity$69,519,0001,278
Average total loans$356,538,3331,469
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2509%3,066
Cost of funding earning assets0.4214%4,272
Net interest margin3.8295%1,875
Noninterest income to average assets0.9610%932
Noninterest expense to average assets3.2542%1,306
Loan and lease loss provision to assets0.2024%1,506
Net operating income to assets0.8211%2,830
Return on assets (ROA)0.8293%2,886
Pretax return on assets0.8293%3,335
Return on Equity (ROE)7.0969%2,904
Retained earnings to average equity (ytd only)3.4810%2,897
Net charge-offs to loans0.2380%602
Credit loss provision to net charge-offs143.2039%1,607
Earnings coverage of net charge-offs (x)7.2427%1,937
Efficiency ratio76.0744%1,557
Assets per employee ($millions)3.9854%3,933
Cash dividends to net income (ytd only)*50.9512%1,596
Condition Ratios (%)
Loss allowance to loans1.3182%2,063
Loan loss allowance to noncurrent loans184.9393%2,190
Noncurrent assets plus other real estate owned to assets0.4159%2,794
Noncurrent loans to loans0.7128%2,216
Net loans and leases to total assets57.5883%3,703
Net loans and leases to deposits73.0618%3,348
Net loans and leases to core deposits83.6957%2,875
Total domestic deposits to total assets78.8214%4,083
Equity capital to assets11.5308%2,414
Core capital (leverage) ratio9.2400%4,237
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3477%2,131
Memoranda:
Average total assets$583,130,5001,288
Average earning assets$505,021,0001,367
Average equity$68,142,0001,292
Average total loans$346,278,0001,465
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4364%3,148
Cost of funding earning assets0.4996%4,094
Net interest margin3.9368%2,042
Noninterest income to average assets1.1192%756
Noninterest expense to average assets3.2958%1,304
Loan and lease loss provision to assets0.1289%1,663
Net operating income to assets1.0844%2,505
Return on assets (ROA)1.0898%2,581
Pretax return on assets1.0898%3,196
Return on Equity (ROE)9.1635%2,682
Retained earnings to average equity (ytd only)2.7777%3,650
Net charge-offs to loans0.1615%1,245
Credit loss provision to net charge-offs127.4686%1,999
Earnings coverage of net charge-offs (x)12.0000%2,445
Efficiency ratio73.0929%1,717
Assets per employee ($millions)3.9208%4,010
Cash dividends to net income (ytd only)*69.6869%1,138
Condition Ratios (%)
Loss allowance to loans1.2945%1,952
Loan loss allowance to noncurrent loans194.9086%2,138
Noncurrent assets plus other real estate owned to assets0.4741%2,513
Noncurrent loans to loans0.6641%2,226
Net loans and leases to total assets59.6634%3,619
Net loans and leases to deposits71.9977%3,522
Net loans and leases to core deposits81.4660%3,184
Total domestic deposits to total assets82.8685%3,242
Equity capital to assets11.8460%2,242
Core capital (leverage) ratio9.1613%4,391
Tier 1 risk-based capital ratio13.1077%3,741
Total risk-based capital ratio14.2910%3,649
Memoranda:
Average total assets$550,914,8001,302
Average earning assets$474,371,4001,405
Average equity$65,521,0001,288
Average total loans$344,871,0001,441
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4574%3,185
Cost of funding earning assets0.5091%4,106
Net interest margin3.9483%2,109
Noninterest income to average assets1.1130%730
Noninterest expense to average assets3.3136%1,238
Loan and lease loss provision to assets0.1442%1,331
Net operating income to assets1.0517%2,781
Return on assets (ROA)1.0590%2,819
Pretax return on assets1.0590%3,417
Return on Equity (ROE)8.8950%2,928
Retained earnings to average equity (ytd only)0.3059%4,705
Net charge-offs to loans0.1590%1,045
Credit loss provision to net charge-offs143.5523%1,693
Earnings coverage of net charge-offs (x)11.9050%2,407
Efficiency ratio73.4811%1,641
Assets per employee ($millions)3.9408%3,973
Cash dividends to net income (ytd only)*96.5613%361
Condition Ratios (%)
Loss allowance to loans1.2954%1,985
Loan loss allowance to noncurrent loans202.0628%2,078
Noncurrent assets plus other real estate owned to assets0.4695%2,652
Noncurrent loans to loans0.6411%2,366
Net loans and leases to total assets60.9276%3,604
Net loans and leases to deposits78.0723%3,089
Net loans and leases to core deposits88.2437%2,705
Total domestic deposits to total assets78.0400%4,334
Equity capital to assets11.7708%2,434
Core capital (leverage) ratio9.1887%4,485
Tier 1 risk-based capital ratio12.7305%4,009
Total risk-based capital ratio13.9270%3,912
Memoranda:
Average total assets$545,534,5001,321
Average earning assets$469,289,7501,425
Average equity$64,948,5001,297
Average total loans$344,585,2501,452
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4607%3,142
Cost of funding earning assets0.4777%4,216
Net interest margin3.9830%1,972
Noninterest income to average assets1.1165%682
Noninterest expense to average assets3.3210%1,242
Loan and lease loss provision to assets0.1520%1,202
Net operating income to assets1.0709%2,645
Return on assets (ROA)1.0765%2,686
Pretax return on assets1.0765%3,301
Return on Equity (ROE)9.0064%2,850
Retained earnings to average equity (ytd only)0.5179%4,564
Net charge-offs to loans0.1805%910
Credit loss provision to net charge-offs132.2581%1,645
Earnings coverage of net charge-offs (x)10.6419%2,249
Efficiency ratio73.0870%1,761
Assets per employee ($millions)3.8079%4,113
Cash dividends to net income (ytd only)*94.2493%526
Condition Ratios (%)
Loss allowance to loans1.2903%2,059
Loan loss allowance to noncurrent loans314.5700%1,513
Noncurrent assets plus other real estate owned to assets0.2531%3,559
Noncurrent loans to loans0.4102%3,062
Net loans and leases to total assets60.9023%3,666
Net loans and leases to deposits79.2323%3,034
Net loans and leases to core deposits89.5470%2,632
Total domestic deposits to total assets76.8655%4,580
Equity capital to assets11.8621%2,295
Core capital (leverage) ratio9.3232%4,341
Tier 1 risk-based capital ratio12.8658%3,907
Total risk-based capital ratio14.0531%3,847
Memoranda:
Average total assets$539,536,6701,341
Average earning assets$464,276,3301,437
Average equity$64,487,3301,299
Average total loans$343,497,0001,460
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5225%2,791
Cost of funding earning assets0.4860%4,125
Net interest margin4.0365%1,725
Noninterest income to average assets1.1149%653
Noninterest expense to average assets3.2891%1,309
Loan and lease loss provision to assets0.1581%1,070
Net operating income to assets1.1443%2,293
Return on assets (ROA)1.1443%2,339
Pretax return on assets1.1443%2,994
Return on Equity (ROE)9.5362%2,574
Retained earnings to average equity (ytd only)6.1358%2,397
Net charge-offs to loans0.1641%828
Credit loss provision to net charge-offs148.9362%1,250
Earnings coverage of net charge-offs (x)12.2695%1,877
Efficiency ratio71.6347%2,091
Assets per employee ($millions)3.6847%4,359
Cash dividends to net income (ytd only)*35.6579%2,053
Condition Ratios (%)
Loss allowance to loans1.2768%2,205
Loan loss allowance to noncurrent loans359.3622%1,364
Noncurrent assets plus other real estate owned to assets0.2289%3,705
Noncurrent loans to loans0.3553%3,305
Net loans and leases to total assets63.6020%3,333
Net loans and leases to deposits77.0099%3,161
Net loans and leases to core deposits87.5130%2,741
Total domestic deposits to total assets82.5893%3,545
Equity capital to assets12.1185%1,951
Core capital (leverage) ratio9.4324%4,225
Tier 1 risk-based capital ratio13.0290%3,868
Total risk-based capital ratio14.2031%3,798
Memoranda:
Average total assets$531,328,0001,362
Average earning assets$457,622,0001,459
Average equity$63,757,0001,300
Average total loans$343,738,0001,470
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4222%2,691
Cost of funding earning assets0.3345%4,380
Net interest margin4.0878%1,720
Noninterest income to average assets1.2278%617
Noninterest expense to average assets3.4743%1,028
Loan and lease loss provision to assets0.2166%834
Net operating income to assets1.0626%2,752
Return on assets (ROA)1.0626%2,733
Pretax return on assets1.0626%3,401
Return on Equity (ROE)9.1308%2,931
Retained earnings to average equity (ytd only)4.4614%3,070
Net charge-offs to loans0.1302%1,452
Credit loss provision to net charge-offs269.8337%1,112
Earnings coverage of net charge-offs (x)15.9359%2,289
Efficiency ratio73.0886%1,750
Assets per employee ($millions)3.5944%4,455
Cash dividends to net income (ytd only)*51.1394%1,898
Condition Ratios (%)
Loss allowance to loans1.2602%2,247
Loan loss allowance to noncurrent loans201.0223%2,230
Noncurrent assets plus other real estate owned to assets0.4073%2,929
Noncurrent loans to loans0.6269%2,411
Net loans and leases to total assets64.1479%3,343
Net loans and leases to deposits77.2000%3,257
Net loans and leases to core deposits86.7878%2,857
Total domestic deposits to total assets83.0932%3,296
Equity capital to assets11.8793%1,981
Core capital (leverage) ratio9.1997%4,459
Tier 1 risk-based capital ratio12.7465%3,991
Total risk-based capital ratio13.9002%3,932
Memoranda:
Average total assets$524,446,8001,340
Average earning assets$452,349,0001,443
Average equity$61,035,2001,299
Average total loans$323,424,2001,503
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3717%2,725
Cost of funding earning assets0.2918%4,578
Net interest margin4.0798%1,694
Noninterest income to average assets1.2537%611
Noninterest expense to average assets3.5022%979
Loan and lease loss provision to assets0.2323%698
Net operating income to assets1.0407%2,916
Return on assets (ROA)1.0407%2,924
Pretax return on assets1.0407%3,604
Return on Equity (ROE)8.9895%3,095
Retained earnings to average equity (ytd only)3.3331%4,086
Net charge-offs to loans0.1214%1,297
Credit loss provision to net charge-offs314.4828%983
Earnings coverage of net charge-offs (x)17.2343%2,121
Efficiency ratio73.3412%1,678
Assets per employee ($millions)3.5605%4,481
Cash dividends to net income (ytd only)*62.9221%1,090
Condition Ratios (%)
Loss allowance to loans1.2570%2,325
Loan loss allowance to noncurrent loans350.9950%1,469
Noncurrent assets plus other real estate owned to assets0.2228%3,831
Noncurrent loans to loans0.3581%3,365
Net loans and leases to total assets61.4398%3,704
Net loans and leases to deposits77.9464%3,245
Net loans and leases to core deposits87.1122%2,908
Total domestic deposits to total assets78.8232%4,354
Equity capital to assets11.1139%2,554
Core capital (leverage) ratio8.9661%4,736
Tier 1 risk-based capital ratio12.5913%4,161
Total risk-based capital ratio13.7354%4,093
Memoranda:
Average total assets$523,465,0001,346
Average earning assets$451,835,7501,448
Average equity$60,602,2501,309
Average total loans$318,463,5001,527
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2755%2,851
Cost of funding earning assets0.2437%4,780
Net interest margin4.0318%1,755
Noninterest income to average assets1.2265%640
Noninterest expense to average assets3.5119%986
Loan and lease loss provision to assets0.1924%898
Net operating income to assets1.0001%3,023
Return on assets (ROA)1.0001%3,021
Pretax return on assets1.0001%3,660
Return on Equity (ROE)8.5196%3,253
Retained earnings to average equity (ytd only)1.7974%4,522
Net charge-offs to loans0.1140%1,242
Credit loss provision to net charge-offs279.7753%1,062
Earnings coverage of net charge-offs (x)17.3371%1,956
Efficiency ratio74.6509%1,620
Assets per employee ($millions)3.3528%4,766
Cash dividends to net income (ytd only)*78.9026%724
Condition Ratios (%)
Loss allowance to loans1.2094%2,659
Loan loss allowance to noncurrent loans151.9521%2,749
Noncurrent assets plus other real estate owned to assets0.4978%2,768
Noncurrent loans to loans0.7959%2,143
Net loans and leases to total assets61.7888%3,631
Net loans and leases to deposits79.9703%2,958
Net loans and leases to core deposits88.4428%2,683
Total domestic deposits to total assets77.2648%4,699
Equity capital to assets11.5347%2,175
Core capital (leverage) ratio8.9976%4,694
Tier 1 risk-based capital ratio12.7781%4,019
Total risk-based capital ratio13.8793%4,007
Memoranda:
Average total assets$517,555,0001,364
Average earning assets$446,453,0001,465
Average equity$60,753,6701,304
Average total loans$312,370,6701,549
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1020%3,230
Cost of funding earning assets0.1849%5,098
Net interest margin3.9171%1,974
Noninterest income to average assets1.2012%638
Noninterest expense to average assets3.5199%969
Loan and lease loss provision to assets0.1502%1,208
Net operating income to assets0.9115%3,243
Return on assets (ROA)0.9115%3,253
Pretax return on assets0.9115%3,812
Return on Equity (ROE)7.6981%3,505
Retained earnings to average equity (ytd only)6.0564%2,689
Net charge-offs to loans0.1085%1,124
Credit loss provision to net charge-offs233.7349%949
Earnings coverage of net charge-offs (x)16.5181%1,617
Efficiency ratio76.8256%1,481
Assets per employee ($millions)3.3387%4,854
Cash dividends to net income (ytd only)*21.3254%2,372
Condition Ratios (%)
Loss allowance to loans1.1966%2,822
Loan loss allowance to noncurrent loans154.8253%2,690
Noncurrent assets plus other real estate owned to assets0.4645%2,988
Noncurrent loans to loans0.7729%2,276
Net loans and leases to total assets59.3866%3,807
Net loans and leases to deposits74.3383%3,383
Net loans and leases to core deposits82.0379%3,139
Total domestic deposits to total assets79.8870%4,437
Equity capital to assets11.7042%1,987
Core capital (leverage) ratio9.3438%4,264
Tier 1 risk-based capital ratio13.3228%3,761
Total risk-based capital ratio14.4009%3,780
Memoranda:
Average total assets$516,487,0001,379
Average earning assets$445,737,5001,474
Average equity$61,158,0001,304
Average total loans$306,035,0001,574
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1634%2,824
Cost of funding earning assets0.1901%5,019
Net interest margin3.9733%1,832
Noninterest income to average assets1.4035%537
Noninterest expense to average assets3.6676%830
Loan and lease loss provision to assets0.2417%786
Net operating income to assets0.9261%2,569
Return on assets (ROA)0.9483%2,487
Pretax return on assets0.9483%3,746
Return on Equity (ROE)7.7605%2,912
Retained earnings to average equity (ytd only)1.8487%4,209
Net charge-offs to loans0.2597%1,004
Credit loss provision to net charge-offs159.1029%1,681
Earnings coverage of net charge-offs (x)7.6860%3,012
Efficiency ratio75.8488%1,639
Assets per employee ($millions)3.3473%4,883
Cash dividends to net income (ytd only)*76.1784%973
Condition Ratios (%)
Loss allowance to loans1.1996%2,781
Loan loss allowance to noncurrent loans141.3861%2,916
Noncurrent assets plus other real estate owned to assets0.4955%2,901
Noncurrent loans to loans0.8484%2,098
Net loans and leases to total assets57.6967%4,032
Net loans and leases to deposits70.7203%3,813
Net loans and leases to core deposits77.7900%3,601
Total domestic deposits to total assets81.5842%3,975
Equity capital to assets11.9786%1,848
Core capital (leverage) ratio9.1542%4,453
Tier 1 risk-based capital ratio13.4670%3,646
Total risk-based capital ratio14.5459%3,662
Memoranda:
Average total assets$498,885,6001,405
Average earning assets$430,901,6001,500
Average equity$60,962,4001,295
Average total loans$291,878,2001,603
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1671%2,727
Cost of funding earning assets0.1852%5,097
Net interest margin3.9819%1,775
Noninterest income to average assets1.2410%682
Noninterest expense to average assets3.6932%770
Loan and lease loss provision to assets0.2668%624
Net operating income to assets0.7233%3,861
Return on assets (ROA)0.7532%3,779
Pretax return on assets0.7532%4,471
Return on Equity (ROE)6.1326%4,063
Retained earnings to average equity (ytd only)-1.7773%5,413
Net charge-offs to loans0.2808%774
Credit loss provision to net charge-offs162.2951%1,583
Earnings coverage of net charge-offs (x)6.0230%3,031
Efficiency ratio78.8583%1,233
Assets per employee ($millions)3.1485%5,123
Cash dividends to net income (ytd only)*128.9805%143
Condition Ratios (%)
Loss allowance to loans1.1853%3,015
Loan loss allowance to noncurrent loans126.0854%3,131
Noncurrent assets plus other real estate owned to assets0.5649%2,836
Noncurrent loans to loans0.9401%2,044
Net loans and leases to total assets59.3751%3,935
Net loans and leases to deposits74.4161%3,528
Net loans and leases to core deposits81.9212%3,293
Total domestic deposits to total assets79.7880%4,364
Equity capital to assets12.2354%1,817
Core capital (leverage) ratio9.0925%4,641
Tier 1 risk-based capital ratio13.0165%3,997
Total risk-based capital ratio14.0856%4,025
Memoranda:
Average total assets$494,737,7501,425
Average earning assets$427,693,5001,525
Average equity$60,766,2501,309
Average total loans$289,591,7501,619
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1329%2,724
Cost of funding earning assets0.1810%5,133
Net interest margin3.9519%1,768
Noninterest income to average assets1.2802%633
Noninterest expense to average assets3.7507%716
Loan and lease loss provision to assets0.2778%573
Net operating income to assets0.6739%3,961
Return on assets (ROA)0.6832%3,984
Pretax return on assets0.6832%4,599
Return on Equity (ROE)5.5555%4,241
Retained earnings to average equity (ytd only)-1.5576%5,301
Net charge-offs to loans0.2995%676
Credit loss provision to net charge-offs159.9068%1,465
Earnings coverage of net charge-offs (x)5.4779%2,819
Efficiency ratio79.7606%1,234
Assets per employee ($millions)3.1211%5,170
Cash dividends to net income (ytd only)*128.0379%239
Condition Ratios (%)
Loss allowance to loans1.1812%3,132
Loan loss allowance to noncurrent loans105.9808%3,468
Noncurrent assets plus other real estate owned to assets0.6544%2,589
Noncurrent loans to loans1.1145%1,761
Net loans and leases to total assets58.0217%4,031
Net loans and leases to deposits72.9364%3,653
Net loans and leases to core deposits80.3383%3,399
Total domestic deposits to total assets79.5510%4,503
Equity capital to assets12.5137%1,611
Core capital (leverage) ratio9.0442%4,679
Tier 1 risk-based capital ratio13.5558%3,669
Total risk-based capital ratio14.6222%3,682
Memoranda:
Average total assets$493,828,3301,433
Average earning assets$427,640,6701,527
Average equity$60,732,6701,309
Average total loans$286,484,3301,629
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0848%2,704
Cost of funding earning assets0.1511%5,367
Net interest margin3.9337%1,658
Noninterest income to average assets1.3097%595
Noninterest expense to average assets3.7655%707
Loan and lease loss provision to assets0.3440%352
Net operating income to assets0.6144%4,091
Return on assets (ROA)0.6330%4,051
Pretax return on assets0.6330%4,651
Return on Equity (ROE)5.1922%4,305
Retained earnings to average equity (ytd only)0.7038%4,748
Net charge-offs to loans0.4043%453
Credit loss provision to net charge-offs147.5694%1,226
Earnings coverage of net charge-offs (x)4.1111%2,417
Efficiency ratio79.7121%1,415
Assets per employee ($millions)3.1669%5,201
Cash dividends to net income (ytd only)*86.4450%869
Condition Ratios (%)
Loss allowance to loans1.1476%3,427
Loan loss allowance to noncurrent loans117.8571%3,314
Noncurrent assets plus other real estate owned to assets0.5632%2,977
Noncurrent loans to loans0.9737%2,098
Net loans and leases to total assets57.1722%4,048
Net loans and leases to deposits73.1095%3,494
Net loans and leases to core deposits80.3042%3,262
Total domestic deposits to total assets78.2007%4,946
Equity capital to assets12.1726%1,725
Core capital (leverage) ratio9.2609%4,398
Tier 1 risk-based capital ratio13.9233%3,529
Total risk-based capital ratio14.9664%3,555
Memoranda:
Average total assets$494,172,5001,436
Average earning assets$428,904,5001,529
Average equity$60,244,0001,316
Average total loans$284,952,5001,646
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0331%3,083
Cost of funding earning assets0.1411%5,475
Net interest margin3.8921%1,992
Noninterest income to average assets1.4276%569
Noninterest expense to average assets3.8153%767
Loan and lease loss provision to assets0.1774%1,360
Net operating income to assets0.8400%3,113
Return on assets (ROA)1.0340%2,311
Pretax return on assets1.0340%3,348
Return on Equity (ROE)8.1765%2,847
Retained earnings to average equity (ytd only)3.2636%3,586
Net charge-offs to loans0.2512%1,102
Credit loss provision to net charge-offs130.5060%2,060
Earnings coverage of net charge-offs (x)7.4836%3,013
Efficiency ratio76.7824%1,883
Assets per employee ($millions)3.1893%5,159
Cash dividends to net income (ytd only)*60.0861%1,781
Condition Ratios (%)
Loss allowance to loans1.1203%3,606
Loan loss allowance to noncurrent loans203.2776%2,222
Noncurrent assets plus other real estate owned to assets0.3168%4,009
Noncurrent loans to loans0.5511%3,199
Net loans and leases to total assets56.8431%4,186
Net loans and leases to deposits72.2141%3,692
Net loans and leases to core deposits78.8552%3,493
Total domestic deposits to total assets78.7146%4,862
Equity capital to assets12.2094%1,677
Core capital (leverage) ratio9.0039%4,741
Tier 1 risk-based capital ratio14.1526%3,380
Total risk-based capital ratio15.1713%3,420
Memoranda:
Average total assets$494,270,8001,393
Average earning assets$432,442,6001,463
Average equity$62,508,2001,250
Average total loans$267,488,8001,689
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0496%3,037
Cost of funding earning assets0.1358%5,581
Net interest margin3.9138%1,927
Noninterest income to average assets1.4153%593
Noninterest expense to average assets3.8037%743
Loan and lease loss provision to assets0.1602%1,445
Net operating income to assets0.8828%2,992
Return on assets (ROA)1.1492%1,912
Pretax return on assets1.1492%3,057
Return on Equity (ROE)9.0099%2,482
Retained earnings to average equity (ytd only)3.4524%3,828
Net charge-offs to loans0.2664%872
Credit loss provision to net charge-offs112.9032%2,189
Earnings coverage of net charge-offs (x)7.3491%2,883
Efficiency ratio76.3170%1,932
Assets per employee ($millions)3.2492%5,112
Cash dividends to net income (ytd only)*61.6828%1,367
Condition Ratios (%)
Loss allowance to loans1.0821%3,932
Loan loss allowance to noncurrent loans206.1308%2,192
Noncurrent assets plus other real estate owned to assets0.2860%4,285
Noncurrent loans to loans0.5249%3,419
Net loans and leases to total assets53.8838%4,498
Net loans and leases to deposits71.2609%3,860
Net loans and leases to core deposits77.1833%3,733
Total domestic deposits to total assets75.6149%5,274
Equity capital to assets12.5701%1,733
Core capital (leverage) ratio9.1215%4,692
Tier 1 risk-based capital ratio14.2785%3,414
Total risk-based capital ratio15.2721%3,469
Memoranda:
Average total assets$495,052,2501,398
Average earning assets$434,039,0001,462
Average equity$63,143,7501,250
Average total loans$263,774,7501,716
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0773%2,962
Cost of funding earning assets0.1397%5,614
Net interest margin3.9376%1,850
Noninterest income to average assets1.4124%579
Noninterest expense to average assets3.8385%729
Loan and lease loss provision to assets0.1563%1,458
Net operating income to assets0.8758%2,984
Return on assets (ROA)1.2770%1,457
Pretax return on assets1.2770%2,496
Return on Equity (ROE)9.9615%2,070
Retained earnings to average equity (ytd only)4.0140%3,350
Net charge-offs to loans0.2693%888
Credit loss provision to net charge-offs109.7701%1,963
Earnings coverage of net charge-offs (x)7.2500%2,648
Efficiency ratio76.6356%1,989
Assets per employee ($millions)3.1511%5,267
Cash dividends to net income (ytd only)*59.7053%1,535
Condition Ratios (%)
Loss allowance to loans1.1315%3,776
Loan loss allowance to noncurrent loans389.5833%1,317
Noncurrent assets plus other real estate owned to assets0.1593%4,866
Noncurrent loans to loans0.2904%4,331
Net loans and leases to total assets54.2256%4,489
Net loans and leases to deposits68.5556%4,130
Net loans and leases to core deposits72.2235%4,152
Total domestic deposits to total assets79.0972%4,760
Equity capital to assets13.3421%1,310
Core capital (leverage) ratio9.1941%4,606
Tier 1 risk-based capital ratio14.9887%3,084
Total risk-based capital ratio16.0303%3,112
Memoranda:
Average total assets$488,946,0001,417
Average earning assets$429,400,6701,480
Average equity$62,681,3301,261
Average total loans$258,483,0001,749
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0820%2,919
Cost of funding earning assets0.1394%5,682
Net interest margin3.9426%1,804
Noninterest income to average assets1.2714%674
Noninterest expense to average assets3.7907%785
Loan and lease loss provision to assets0.1527%1,383
Net operating income to assets0.7978%3,263
Return on assets (ROA)0.7978%3,374
Pretax return on assets0.7978%4,202
Return on Equity (ROE)6.3498%3,800
Retained earnings to average equity (ytd only)1.3838%4,705
Net charge-offs to loans0.3554%629
Credit loss provision to net charge-offs82.8194%1,818
Earnings coverage of net charge-offs (x)5.1542%2,357
Efficiency ratio77.7245%1,933
Assets per employee ($millions)3.2198%5,245
Cash dividends to net income (ytd only)*78.2077%1,025
Condition Ratios (%)
Loss allowance to loans1.1481%3,779
Loan loss allowance to noncurrent loans441.6036%1,152
Noncurrent assets plus other real estate owned to assets0.1316%5,052
Noncurrent loans to loans0.2600%4,504
Net loans and leases to total assets50.0342%4,803
Net loans and leases to deposits64.0503%4,439
Net loans and leases to core deposits69.0713%4,314
Total domestic deposits to total assets78.1171%5,125
Equity capital to assets12.5357%1,659
Core capital (leverage) ratio8.7989%5,076
Tier 1 risk-based capital ratio14.8320%3,229
Total risk-based capital ratio15.8638%3,273
Memoranda:
Average total assets$492,363,0001,404
Average earning assets$433,313,5001,470
Average equity$61,860,0001,268
Average total loans$255,514,5001,762
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9828%3,371
Cost of funding earning assets0.1726%5,517
Net interest margin3.8102%2,337
Noninterest income to average assets1.4804%565
Noninterest expense to average assets3.8766%781
Loan and lease loss provision to assets0.1469%1,605
Net operating income to assets0.8254%3,221
Return on assets (ROA)0.9346%2,769
Pretax return on assets0.9346%3,709
Return on Equity (ROE)7.5727%3,204
Retained earnings to average equity (ytd only)2.7034%4,146
Net charge-offs to loans0.2635%1,142
Credit loss provision to net charge-offs108.7613%2,319
Earnings coverage of net charge-offs (x)7.1979%3,107
Efficiency ratio77.8690%1,987
Assets per employee ($millions)2.9062%5,605
Cash dividends to net income (ytd only)*64.3013%1,521
Condition Ratios (%)
Loss allowance to loans1.1519%3,743
Loan loss allowance to noncurrent loans438.2222%1,168
Noncurrent assets plus other real estate owned to assets0.1399%5,030
Noncurrent loans to loans0.2629%4,507
Net loans and leases to total assets52.6153%4,645
Net loans and leases to deposits64.3762%4,443
Net loans and leases to core deposits69.4197%4,342
Total domestic deposits to total assets81.7310%4,249
Equity capital to assets12.5932%1,572
Core capital (leverage) ratio8.6749%5,244
Tier 1 risk-based capital ratio14.8182%3,263
Total risk-based capital ratio15.8685%3,297
Memoranda:
Average total assets$490,066,6001,375
Average earning assets$433,259,2001,442
Average equity$60,480,2001,253
Average total loans$251,255,4001,719
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9499%3,544
Cost of funding earning assets0.1748%5,593
Net interest margin3.7751%2,476
Noninterest income to average assets1.4838%561
Noninterest expense to average assets3.8462%792
Loan and lease loss provision to assets0.1463%1,492
Net operating income to assets0.8331%3,265
Return on assets (ROA)0.9550%2,780
Pretax return on assets0.9550%3,801
Return on Equity (ROE)7.7775%3,200
Retained earnings to average equity (ytd only)2.2467%4,758
Net charge-offs to loans0.2188%1,194
Credit loss provision to net charge-offs131.7073%1,860
Earnings coverage of net charge-offs (x)8.8147%2,764
Efficiency ratio77.6255%2,004
Assets per employee ($millions)2.8972%5,654
Cash dividends to net income (ytd only)*71.1124%983
Condition Ratios (%)
Loss allowance to loans1.1765%3,781
Loan loss allowance to noncurrent loans415.0685%1,212
Noncurrent assets plus other real estate owned to assets0.1518%5,157
Noncurrent loans to loans0.2834%4,564
Net loans and leases to total assets52.9225%4,670
Net loans and leases to deposits63.9450%4,565
Net loans and leases to core deposits68.4672%4,502
Total domestic deposits to total assets82.7626%3,896
Equity capital to assets12.6721%1,635
Core capital (leverage) ratio8.5832%5,478
Tier 1 risk-based capital ratio14.5656%3,519
Total risk-based capital ratio15.6401%3,551
Memoranda:
Average total assets$491,974,7501,373
Average earning assets$435,508,2501,431
Average equity$60,411,7501,265
Average total loans$249,871,2501,737
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9501%3,488
Cost of funding earning assets0.1768%5,638
Net interest margin3.7733%2,429
Noninterest income to average assets1.4228%625
Noninterest expense to average assets3.8511%812
Loan and lease loss provision to assets0.1453%1,481
Net operating income to assets0.7763%3,507
Return on assets (ROA)0.7763%3,611
Pretax return on assets0.7763%4,400
Return on Equity (ROE)6.3884%3,938
Retained earnings to average equity (ytd only)0.6209%5,313
Net charge-offs to loans0.2240%1,146
Credit loss provision to net charge-offs129.9639%1,698
Earnings coverage of net charge-offs (x)8.2455%2,583
Efficiency ratio78.6016%1,973
Assets per employee ($millions)2.9519%5,651
Cash dividends to net income (ytd only)*90.2807%706
Condition Ratios (%)
Loss allowance to loans1.2085%3,738
Loan loss allowance to noncurrent loans396.6755%1,272
Noncurrent assets plus other real estate owned to assets0.1516%5,264
Noncurrent loans to loans0.3047%4,594
Net loans and leases to total assets49.1708%5,000
Net loans and leases to deposits61.1799%4,759
Net loans and leases to core deposits66.7227%4,596
Total domestic deposits to total assets80.3709%4,782
Equity capital to assets12.1032%1,947
Core capital (leverage) ratio8.4536%5,576
Tier 1 risk-based capital ratio14.9228%3,403
Total risk-based capital ratio16.0302%3,415
Memoranda:
Average total assets$495,654,0001,368
Average earning assets$440,035,0001,425
Average equity$60,234,0001,274
Average total loans$247,310,3301,759
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9558%3,394
Cost of funding earning assets0.1800%5,680
Net interest margin3.7758%2,321
Noninterest income to average assets1.3594%626
Noninterest expense to average assets3.9013%768
Loan and lease loss provision to assets0.1453%1,400
Net operating income to assets0.6490%4,051
Return on assets (ROA)0.6490%4,173
Pretax return on assets0.6490%4,769
Return on Equity (ROE)5.3298%4,361
Retained earnings to average equity (ytd only)0.2188%5,296
Net charge-offs to loans0.1050%1,685
Credit loss provision to net charge-offs276.9231%865
Earnings coverage of net charge-offs (x)15.1385%1,637
Efficiency ratio80.9696%1,762
Assets per employee ($millions)2.7122%5,956
Cash dividends to net income (ytd only)*95.8955%742
Condition Ratios (%)
Loss allowance to loans1.2368%3,755
Loan loss allowance to noncurrent loans314.0625%1,529
Noncurrent assets plus other real estate owned to assets0.1934%5,180
Noncurrent loans to loans0.3938%4,413
Net loans and leases to total assets48.5100%4,981
Net loans and leases to deposits58.0258%4,912
Net loans and leases to core deposits64.1924%4,681
Total domestic deposits to total assets83.6008%3,974
Equity capital to assets12.2231%1,875
Core capital (leverage) ratio8.5070%5,510
Tier 1 risk-based capital ratio15.1452%3,357
Total risk-based capital ratio16.2885%3,340
Memoranda:
Average total assets$495,525,0001,373
Average earning assets$437,840,0001,437
Average equity$60,340,5001,270
Average total loans$247,552,0001,758
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0537%3,511
Cost of funding earning assets0.2019%5,724
Net interest margin3.8518%2,423
Noninterest income to average assets1.5027%542
Noninterest expense to average assets3.8585%904
Loan and lease loss provision to assets0.1460%1,806
Net operating income to assets0.9139%2,813
Return on assets (ROA)0.9147%2,898
Pretax return on assets0.9147%3,850
Return on Equity (ROE)8.0089%3,132
Retained earnings to average equity (ytd only)3.3758%3,808
Net charge-offs to loans0.2435%1,750
Credit loss provision to net charge-offs121.9064%1,969
Earnings coverage of net charge-offs (x)8.8495%2,818
Efficiency ratio76.4842%2,443
Assets per employee ($millions)2.7485%5,984
Cash dividends to net income (ytd only)*57.8498%1,857
Condition Ratios (%)
Loss allowance to loans1.1539%4,260
Loan loss allowance to noncurrent loans342.7896%1,452
Noncurrent assets plus other real estate owned to assets0.1710%5,340
Noncurrent loans to loans0.3366%4,642
Net loans and leases to total assets50.2141%4,950
Net loans and leases to deposits63.0383%4,632
Net loans and leases to core deposits67.9720%4,507
Total domestic deposits to total assets79.6564%5,107
Equity capital to assets12.1310%1,925
Core capital (leverage) ratio8.1921%5,858
Tier 1 risk-based capital ratio14.2050%3,963
Total risk-based capital ratio15.2550%4,017
Memoranda:
Average total assets$499,307,8001,334
Average earning assets$442,780,8001,379
Average equity$57,023,8001,284
Average total loans$245,582,2001,716
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0441%3,581
Cost of funding earning assets0.2065%5,768
Net interest margin3.8375%2,485
Noninterest income to average assets1.5098%548
Noninterest expense to average assets3.7786%1,001
Loan and lease loss provision to assets0.1702%1,448
Net operating income to assets0.9719%2,587
Return on assets (ROA)0.9730%2,649
Pretax return on assets0.9730%3,706
Return on Equity (ROE)8.6524%2,874
Retained earnings to average equity (ytd only)3.4448%4,176
Net charge-offs to loans0.2747%1,430
Credit loss provision to net charge-offs127.0378%1,816
Earnings coverage of net charge-offs (x)8.5229%2,784
Efficiency ratio74.8295%2,687
Assets per employee ($millions)2.9048%5,841
Cash dividends to net income (ytd only)*60.1861%1,368
Condition Ratios (%)
Loss allowance to loans1.1661%4,403
Loan loss allowance to noncurrent loans307.4074%1,499
Noncurrent assets plus other real estate owned to assets0.1891%5,457
Noncurrent loans to loans0.3793%4,775
Net loans and leases to total assets49.2805%5,079
Net loans and leases to deposits63.1277%4,625
Net loans and leases to core deposits67.4932%4,557
Total domestic deposits to total assets78.0648%5,517
Equity capital to assets11.6756%2,338
Core capital (leverage) ratio7.9727%6,089
Tier 1 risk-based capital ratio13.9664%4,243
Total risk-based capital ratio15.0166%4,313
Memoranda:
Average total assets$500,453,2501,344
Average earning assets$444,822,0001,388
Average equity$56,276,0001,306
Average total loans$244,147,2501,739
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9807%3,811
Cost of funding earning assets0.2074%5,853
Net interest margin3.7733%2,655
Noninterest income to average assets1.4938%546
Noninterest expense to average assets3.7877%988
Loan and lease loss provision to assets0.1414%1,747
Net operating income to assets0.9286%2,668
Return on assets (ROA)0.9302%2,759
Pretax return on assets0.9302%3,761
Return on Equity (ROE)8.3793%2,905
Retained earnings to average equity (ytd only)2.7847%4,428
Net charge-offs to loans0.3068%1,319
Credit loss provision to net charge-offs95.1613%2,095
Earnings coverage of net charge-offs (x)7.2016%2,664
Efficiency ratio75.9826%2,636
Assets per employee ($millions)2.7767%6,054
Cash dividends to net income (ytd only)*66.7669%1,265
Condition Ratios (%)
Loss allowance to loans1.1070%4,874
Loan loss allowance to noncurrent loans119.1941%3,228
Noncurrent assets plus other real estate owned to assets0.4618%4,610
Noncurrent loans to loans0.9287%3,394
Net loans and leases to total assets49.1728%5,054
Net loans and leases to deposits64.7825%4,405
Net loans and leases to core deposits69.5658%4,309
Total domestic deposits to total assets75.9044%5,919
Equity capital to assets11.5853%2,343
Core capital (leverage) ratio7.8782%6,169
Tier 1 risk-based capital ratio13.8834%4,331
Total risk-based capital ratio14.8932%4,438
Memoranda:
Average total assets$500,727,6701,342
Average earning assets$446,398,3301,379
Average equity$55,589,6701,308
Average total loans$242,488,0001,742
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9893%3,737
Cost of funding earning assets0.2095%5,924
Net interest margin3.7798%2,554
Noninterest income to average assets1.4398%563
Noninterest expense to average assets3.7542%1,051
Loan and lease loss provision to assets0.1389%1,751
Net operating income to assets0.9162%2,570
Return on assets (ROA)0.9194%2,627
Pretax return on assets0.9194%3,627
Return on Equity (ROE)8.4655%2,701
Retained earnings to average equity (ytd only)3.2260%4,186
Net charge-offs to loans0.1119%2,059
Credit loss provision to net charge-offs259.7015%881
Earnings coverage of net charge-offs (x)19.7313%1,361
Efficiency ratio76.0538%2,797
Assets per employee ($millions)2.7594%6,148
Cash dividends to net income (ytd only)*61.8924%1,367
Condition Ratios (%)
Loss allowance to loans1.1852%4,707
Loan loss allowance to noncurrent loans182.1406%2,269
Noncurrent assets plus other real estate owned to assets0.3327%5,149
Noncurrent loans to loans0.6507%4,235
Net loans and leases to total assets47.2276%5,211
Net loans and leases to deposits61.7949%4,569
Net loans and leases to core deposits65.6586%4,528
Total domestic deposits to total assets76.4265%6,036
Equity capital to assets10.8610%2,863
Core capital (leverage) ratio7.7925%6,224
Tier 1 risk-based capital ratio13.9639%4,357
Total risk-based capital ratio15.0390%4,434
Memoranda:
Average total assets$501,193,0001,350
Average earning assets$446,795,5001,381
Average equity$54,433,0001,332
Average total loans$239,474,5001,763
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9724%4,186
Cost of funding earning assets0.2717%5,818
Net interest margin3.7008%3,051
Noninterest income to average assets1.7418%490
Noninterest expense to average assets4.0315%845
Loan and lease loss provision to assets0.1215%2,794
Net operating income to assets0.8212%3,182
Return on assets (ROA)0.8227%3,269
Pretax return on assets0.8227%4,063
Return on Equity (ROE)6.9996%3,556
Retained earnings to average equity (ytd only)1.7485%4,988
Net charge-offs to loans0.2591%2,415
Credit loss provision to net charge-offs96.9178%2,577
Earnings coverage of net charge-offs (x)7.5171%2,831
Efficiency ratio78.9621%2,328
Assets per employee ($millions)2.7031%6,215
Cash dividends to net income (ytd only)*75.0196%1,101
Condition Ratios (%)
Loss allowance to loans1.1719%4,804
Loan loss allowance to noncurrent loans144.8980%2,750
Noncurrent assets plus other real estate owned to assets0.4086%5,032
Noncurrent loans to loans0.8088%3,950
Net loans and leases to total assets47.2076%5,371
Net loans and leases to deposits60.3495%4,911
Net loans and leases to core deposits63.8183%4,886
Total domestic deposits to total assets78.2236%5,795
Equity capital to assets10.8604%2,750
Core capital (leverage) ratio7.9638%6,161
Tier 1 risk-based capital ratio13.8833%4,374
Total risk-based capital ratio14.9283%4,481
Memoranda:
Average total assets$465,658,6001,420
Average earning assets$406,728,0001,492
Average equity$54,732,0001,304
Average total loans$225,423,2001,816
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9809%4,208
Cost of funding earning assets0.2854%5,847
Net interest margin3.6955%3,047
Noninterest income to average assets1.7934%484
Noninterest expense to average assets4.0109%846
Loan and lease loss provision to assets0.1184%2,818
Net operating income to assets0.8694%2,997
Return on assets (ROA)0.8705%3,099
Pretax return on assets0.8705%4,009
Return on Equity (ROE)7.2576%3,511
Retained earnings to average equity (ytd only)1.3798%5,431
Net charge-offs to loans0.2676%2,210
Credit loss provision to net charge-offs91.0515%2,613
Earnings coverage of net charge-offs (x)7.5973%2,774
Efficiency ratio78.1334%2,402
Assets per employee ($millions)2.6578%6,317
Cash dividends to net income (ytd only)*80.9889%752
Condition Ratios (%)
Loss allowance to loans1.1926%4,899
Loan loss allowance to noncurrent loans148.8082%2,559
Noncurrent assets plus other real estate owned to assets0.4158%5,177
Noncurrent loans to loans0.8015%4,238
Net loans and leases to total assets48.3775%5,307
Net loans and leases to deposits58.6482%5,118
Net loans and leases to core deposits61.6286%5,157
Total domestic deposits to total assets82.4875%4,764
Equity capital to assets11.3663%2,411
Core capital (leverage) ratio8.1652%6,092
Tier 1 risk-based capital ratio14.6073%4,010
Total risk-based capital ratio15.7137%4,056
Memoranda:
Average total assets$458,408,2501,450
Average earning assets$397,589,2501,534
Average equity$54,984,5001,305
Average total loans$222,707,5001,838
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0257%4,009
Cost of funding earning assets0.2947%5,871
Net interest margin3.7310%2,841
Noninterest income to average assets1.7201%559
Noninterest expense to average assets4.0150%846
Loan and lease loss provision to assets0.1096%2,969
Net operating income to assets0.7997%3,300
Return on assets (ROA)0.7997%3,449
Pretax return on assets0.7997%4,315
Return on Equity (ROE)6.5490%3,853
Retained earnings to average equity (ytd only)0.4001%5,737
Net charge-offs to loans0.1681%2,771
Credit loss provision to net charge-offs134.5946%1,684
Earnings coverage of net charge-offs (x)11.1676%2,078
Efficiency ratio79.3708%2,245
Assets per employee ($millions)2.5221%6,480
Cash dividends to net income (ytd only)*93.8910%615
Condition Ratios (%)
Loss allowance to loans1.2572%4,710
Loan loss allowance to noncurrent loans183.1085%2,137
Noncurrent assets plus other real estate owned to assets0.3632%5,403
Noncurrent loans to loans0.6866%4,565
Net loans and leases to total assets48.7803%5,249
Net loans and leases to deposits61.6750%4,782
Net loans and leases to core deposits65.1131%4,778
Total domestic deposits to total assets79.0924%5,790
Equity capital to assets11.6073%2,213
Core capital (leverage) ratio8.1066%6,102
Tier 1 risk-based capital ratio14.6765%3,980
Total risk-based capital ratio15.8491%3,996
Memoranda:
Average total assets$454,399,0001,469
Average earning assets$390,243,6701,556
Average equity$55,489,0001,298
Average total loans$220,166,0001,857
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1292%3,602
Cost of funding earning assets0.2958%6,001
Net interest margin3.8334%2,339
Noninterest income to average assets1.6484%573
Noninterest expense to average assets4.0347%851
Loan and lease loss provision to assets0.1159%2,787
Net operating income to assets0.7777%3,294
Return on assets (ROA)0.7777%3,426
Pretax return on assets0.7777%4,262
Return on Equity (ROE)6.2128%3,931
Retained earnings to average equity (ytd only)1.1238%5,403
Net charge-offs to loans0.1365%2,590
Credit loss provision to net charge-offs177.0270%1,199
Earnings coverage of net charge-offs (x)13.6486%1,514
Efficiency ratio79.6948%2,378
Assets per employee ($millions)2.5545%6,533
Cash dividends to net income (ytd only)*81.9113%867
Condition Ratios (%)
Loss allowance to loans1.3068%4,660
Loan loss allowance to noncurrent loans164.3931%2,217
Noncurrent assets plus other real estate owned to assets0.4116%5,368
Noncurrent loans to loans0.7949%4,530
Net loans and leases to total assets48.0459%5,223
Net loans and leases to deposits58.1405%5,013
Net loans and leases to core deposits62.4825%4,907
Total domestic deposits to total assets82.6375%4,973
Equity capital to assets12.6013%1,650
Core capital (leverage) ratio8.1811%5,950
Tier 1 risk-based capital ratio15.1977%3,710
Total risk-based capital ratio16.4118%3,681
Memoranda:
Average total assets$452,083,5001,484
Average earning assets$386,807,5001,580
Average equity$56,593,0001,289
Average total loans$216,865,5001,895
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5462%3,220
Cost of funding earning assets0.3525%6,193
Net interest margin4.1937%1,683
Noninterest income to average assets1.7717%525
Noninterest expense to average assets4.1074%853
Loan and lease loss provision to assets0.1255%4,048
Net operating income to assets1.1398%1,804
Return on assets (ROA)1.3223%1,382
Pretax return on assets1.3223%2,313
Return on Equity (ROE)10.1383%2,113
Retained earnings to average equity (ytd only)4.6075%2,980
Net charge-offs to loans0.3539%2,862
Credit loss provision to net charge-offs71.8626%4,102
Earnings coverage of net charge-offs (x)7.2457%2,648
Efficiency ratio74.3753%3,010
Assets per employee ($millions)2.5538%6,573
Cash dividends to net income (ytd only)*54.5534%2,084
Condition Ratios (%)
Loss allowance to loans1.2896%4,689
Loan loss allowance to noncurrent loans150.0808%2,372
Noncurrent assets plus other real estate owned to assets0.4194%5,439
Noncurrent loans to loans0.8593%4,463
Net loans and leases to total assets46.6644%5,554
Net loans and leases to deposits55.6658%5,479
Net loans and leases to core deposits61.7259%5,185
Total domestic deposits to total assets83.8297%4,393
Equity capital to assets12.4371%1,758
Core capital (leverage) ratio8.2323%5,959
Tier 1 risk-based capital ratio15.3024%3,541
Total risk-based capital ratio16.5101%3,519
Memoranda:
Average total assets$433,486,8001,521
Average earning assets$372,223,2001,607
Average equity$56,537,8001,261
Average total loans$213,890,8001,893
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6563%2,985
Cost of funding earning assets0.3612%6,325
Net interest margin4.2951%1,481
Noninterest income to average assets1.7824%502
Noninterest expense to average assets4.1377%788
Loan and lease loss provision to assets0.1172%4,085
Net operating income to assets1.2545%1,563
Return on assets (ROA)1.4993%1,135
Pretax return on assets1.4993%1,878
Return on Equity (ROE)11.3543%1,836
Retained earnings to average equity (ytd only)5.0537%3,330
Net charge-offs to loans0.3806%2,574
Credit loss provision to net charge-offs61.7406%4,113
Earnings coverage of net charge-offs (x)7.2233%2,634
Efficiency ratio73.0530%3,135
Assets per employee ($millions)2.4711%6,720
Cash dividends to net income (ytd only)*55.4907%1,449
Condition Ratios (%)
Loss allowance to loans1.3380%4,637
Loan loss allowance to noncurrent loans121.7870%2,742
Noncurrent assets plus other real estate owned to assets0.5393%5,330
Noncurrent loans to loans1.0986%4,231
Net loans and leases to total assets47.1817%5,642
Net loans and leases to deposits57.0603%5,528
Net loans and leases to core deposits63.4017%5,215
Total domestic deposits to total assets82.6875%4,758
Equity capital to assets13.2070%1,493
Core capital (leverage) ratio8.5879%5,639
Tier 1 risk-based capital ratio15.8897%3,329
Total risk-based capital ratio17.1400%3,297
Memoranda:
Average total assets$427,575,0001,555
Average earning assets$371,016,0001,627
Average equity$56,458,7501,264
Average total loans$213,337,0001,926
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8010%2,505
Cost of funding earning assets0.3784%6,386
Net interest margin4.4226%1,143
Noninterest income to average assets1.7476%502
Noninterest expense to average assets4.1747%756
Loan and lease loss provision to assets0.1047%4,218
Net operating income to assets1.3100%1,414
Return on assets (ROA)1.6786%792
Pretax return on assets1.6786%1,320
Return on Equity (ROE)12.7132%1,442
Retained earnings to average equity (ytd only)6.4011%2,441
Net charge-offs to loans0.3768%2,510
Credit loss provision to net charge-offs54.9261%3,935
Earnings coverage of net charge-offs (x)7.4212%2,485
Efficiency ratio72.6563%3,312
Assets per employee ($millions)2.3702%6,845
Cash dividends to net income (ytd only)*49.6503%1,758
Condition Ratios (%)
Loss allowance to loans1.3303%4,745
Loan loss allowance to noncurrent loans124.5358%2,634
Noncurrent assets plus other real estate owned to assets0.5385%5,415
Noncurrent loans to loans1.0682%4,381
Net loans and leases to total assets49.5243%5,419
Net loans and leases to deposits60.9484%5,144
Net loans and leases to core deposits64.7517%5,127
Total domestic deposits to total assets81.2561%5,374
Equity capital to assets13.3983%1,342
Core capital (leverage) ratio8.5952%5,527
Tier 1 risk-based capital ratio15.5295%3,420
Total risk-based capital ratio16.7810%3,386
Memoranda:
Average total assets$425,951,6701,563
Average earning assets$370,007,0001,637
Average equity$56,240,6701,264
Average total loans$215,515,3301,896
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8753%2,338
Cost of funding earning assets0.3900%6,458
Net interest margin4.4853%1,042
Noninterest income to average assets1.6197%556
Noninterest expense to average assets4.1955%749
Loan and lease loss provision to assets0.0907%4,220
Net operating income to assets1.2244%1,669
Return on assets (ROA)1.9580%524
Pretax return on assets1.9580%797
Return on Equity (ROE)14.9383%979
Retained earnings to average equity (ytd only)10.3249%1,195
Net charge-offs to loans0.2282%2,788
Credit loss provision to net charge-offs78.2258%2,758
Earnings coverage of net charge-offs (x)11.3468%1,679
Efficiency ratio74.0841%3,090
Assets per employee ($millions)2.2935%7,001
Cash dividends to net income (ytd only)*30.8831%2,064
Condition Ratios (%)
Loss allowance to loans1.3780%4,695
Loan loss allowance to noncurrent loans155.7360%2,096
Noncurrent assets plus other real estate owned to assets0.4548%5,716
Noncurrent loans to loans0.8848%4,901
Net loans and leases to total assets49.8792%5,319
Net loans and leases to deposits60.5415%5,091
Net loans and leases to core deposits66.0014%4,908
Total domestic deposits to total assets82.3884%5,165
Equity capital to assets13.2807%1,328
Core capital (leverage) ratio8.4221%5,713
Tier 1 risk-based capital ratio15.1325%3,666
Total risk-based capital ratio16.3590%3,642
Memoranda:
Average total assets$427,978,5001,557
Average earning assets$371,258,0001,634
Average equity$56,097,5001,267
Average total loans$217,393,5001,880
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1759%2,163
Cost of funding earning assets0.4620%6,696
Net interest margin4.7139%728
Noninterest income to average assets1.8057%442
Noninterest expense to average assets4.3702%676
Loan and lease loss provision to assets0.2971%3,287
Net operating income to assets1.2091%1,489
Return on assets (ROA)1.2646%1,438
Pretax return on assets1.2646%2,255
Return on Equity (ROE)9.3144%2,322
Retained earnings to average equity (ytd only)3.7954%3,515
Net charge-offs to loans0.4417%3,225
Credit loss provision to net charge-offs124.0334%2,531
Earnings coverage of net charge-offs (x)6.2884%2,551
Efficiency ratio72.3126%3,515
Assets per employee ($millions)2.3085%7,005
Cash dividends to net income (ytd only)*59.2519%1,594
Condition Ratios (%)
Loss allowance to loans1.3696%4,601
Loan loss allowance to noncurrent loans172.3148%1,892
Noncurrent assets plus other real estate owned to assets0.4183%5,926
Noncurrent loans to loans0.7948%5,099
Net loans and leases to total assets50.3146%5,545
Net loans and leases to deposits62.5396%5,170
Net loans and leases to core deposits68.9710%4,908
Total domestic deposits to total assets80.4525%5,609
Equity capital to assets12.9356%1,525
Core capital (leverage) ratio8.1592%6,060
Tier 1 risk-based capital ratio14.6875%3,839
Total risk-based capital ratio15.9386%3,825
Memoranda:
Average total assets$399,568,8001,625
Average earning assets$345,042,4001,724
Average equity$54,249,2001,254
Average total loans$216,663,4001,896
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2496%2,034
Cost of funding earning assets0.4763%6,791
Net interest margin4.7733%658
Noninterest income to average assets1.8113%441
Noninterest expense to average assets4.3771%652
Loan and lease loss provision to assets0.2278%3,734
Net operating income to assets1.3190%1,327
Return on assets (ROA)1.3863%1,262
Pretax return on assets1.3863%1,978
Return on Equity (ROE)10.0802%2,171
Retained earnings to average equity (ytd only)3.7829%4,048
Net charge-offs to loans0.3949%3,137
Credit loss provision to net charge-offs104.6875%3,178
Earnings coverage of net charge-offs (x)7.1078%2,420
Efficiency ratio71.8115%3,586
Assets per employee ($millions)2.3245%7,059
Cash dividends to net income (ytd only)*62.4725%1,113
Condition Ratios (%)
Loss allowance to loans1.2920%5,048
Loan loss allowance to noncurrent loans79.5681%3,582
Noncurrent assets plus other real estate owned to assets0.8916%4,957
Noncurrent loans to loans1.6238%3,865
Net loans and leases to total assets51.7002%5,484
Net loans and leases to deposits64.8004%5,073
Net loans and leases to core deposits64.8004%5,541
Total domestic deposits to total assets79.7837%5,802
Equity capital to assets13.3838%1,420
Core capital (leverage) ratio8.2588%6,040
Tier 1 risk-based capital ratio14.4894%3,985
Total risk-based capital ratio15.7398%3,957
Memoranda:
Average total assets$392,117,5001,667
Average earning assets$337,844,2501,768
Average equity$53,926,0001,260
Average total loans$216,069,7501,918
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2780%1,962
Cost of funding earning assets0.4845%6,893
Net interest margin4.7935%606
Noninterest income to average assets1.7968%423
Noninterest expense to average assets4.4510%630
Loan and lease loss provision to assets0.1559%4,363
Net operating income to assets1.3177%1,278
Return on assets (ROA)1.4170%1,112
Pretax return on assets1.4170%1,763
Return on Equity (ROE)10.2053%2,047
Retained earnings to average equity (ytd only)3.6525%3,903
Net charge-offs to loans0.2298%3,745
Credit loss provision to net charge-offs120.9677%2,522
Earnings coverage of net charge-offs (x)11.4355%1,716
Efficiency ratio73.0047%3,543
Assets per employee ($millions)2.2782%7,134
Cash dividends to net income (ytd only)*64.2098%1,213
Condition Ratios (%)
Loss allowance to loans1.2977%5,072
Loan loss allowance to noncurrent loans94.1923%3,047
Noncurrent assets plus other real estate owned to assets0.8033%5,278
Noncurrent loans to loans1.3777%4,346
Net loans and leases to total assets53.5298%5,361
Net loans and leases to deposits67.6037%4,770
Net loans and leases to core deposits67.6037%5,329
Total domestic deposits to total assets79.1818%6,036
Equity capital to assets13.6329%1,233
Core capital (leverage) ratio8.2778%5,908
Tier 1 risk-based capital ratio13.4803%4,541
Total risk-based capital ratio14.7136%4,536
Memoranda:
Average total assets$384,905,0001,703
Average earning assets$331,452,0001,802
Average equity$53,442,6701,260
Average total loans$215,855,6701,939
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2856%1,915
Cost of funding earning assets0.4975%6,978
Net interest margin4.7881%582
Noninterest income to average assets1.7544%445
Noninterest expense to average assets4.4949%596
Loan and lease loss provision to assets0.1592%4,036
Net operating income to assets1.1962%1,531
Return on assets (ROA)1.3299%1,251
Pretax return on assets1.3299%1,942
Return on Equity (ROE)9.4867%2,285
Retained earnings to average equity (ytd only)3.5282%4,071
Net charge-offs to loans0.1674%3,474
Credit loss provision to net charge-offs166.6667%1,724
Earnings coverage of net charge-offs (x)14.1889%1,385
Efficiency ratio74.6372%3,402
Assets per employee ($millions)2.2243%7,238
Cash dividends to net income (ytd only)*62.8093%1,179
Condition Ratios (%)
Loss allowance to loans1.3155%5,058
Loan loss allowance to noncurrent loans94.4908%3,035
Noncurrent assets plus other real estate owned to assets0.8368%5,233
Noncurrent loans to loans1.3922%4,384
Net loans and leases to total assets55.1718%5,131
Net loans and leases to deposits66.7754%4,866
Net loans and leases to core deposits66.7754%5,435
Total domestic deposits to total assets82.6230%5,055
Equity capital to assets13.7647%1,080
Core capital (leverage) ratio8.4974%5,460
Tier 1 risk-based capital ratio13.4707%4,441
Total risk-based capital ratio14.7207%4,421
Memoranda:
Average total assets$376,872,0001,744
Average earning assets$322,384,0001,865
Average equity$52,832,0001,266
Average total loans$215,053,0001,972
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5321%2,151
Cost of funding earning assets0.5994%7,133
Net interest margin4.9327%508
Noninterest income to average assets1.6911%517
Noninterest expense to average assets4.8495%473
Loan and lease loss provision to assets0.2034%5,209
Net operating income to assets0.8325%2,657
Return on assets (ROA)0.9176%2,451
Pretax return on assets0.9176%3,210
Return on Equity (ROE)6.3924%3,399
Retained earnings to average equity (ytd only)1.9409%4,506
Net charge-offs to loans0.3365%4,330
Credit loss provision to net charge-offs103.3473%4,359
Earnings coverage of net charge-offs (x)5.2636%2,673
Efficiency ratio80.5335%2,340
Assets per employee ($millions)2.0161%7,413
Cash dividends to net income (ytd only)*69.6380%1,232
Condition Ratios (%)
Loss allowance to loans1.2885%5,061
Loan loss allowance to noncurrent loans96.6167%2,975
Noncurrent assets plus other real estate owned to assets0.8421%5,321
Noncurrent loans to loans1.3336%4,490
Net loans and leases to total assets57.5168%5,108
Net loans and leases to deposits69.7691%4,841
Net loans and leases to core deposits69.7691%5,465
Total domestic deposits to total assets82.4387%5,043
Equity capital to assets14.2833%958
Core capital (leverage) ratio8.5311%5,301
Tier 1 risk-based capital ratio13.2976%4,377
Total risk-based capital ratio14.5415%4,337
Memoranda:
Average total assets$364,327,8001,797
Average earning assets$309,790,4001,918
Average equity$52,296,2001,278
Average total loans$213,065,2002,035
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5520%2,247
Cost of funding earning assets0.6159%7,259
Net interest margin4.9361%514
Noninterest income to average assets1.6763%501
Noninterest expense to average assets4.8872%410
Loan and lease loss provision to assets0.1725%5,316
Net operating income to assets0.8150%2,939
Return on assets (ROA)0.9288%2,630
Pretax return on assets0.9288%3,450
Return on Equity (ROE)6.4627%3,595
Retained earnings to average equity (ytd only)1.6604%5,124
Net charge-offs to loans0.2954%4,184
Credit loss provision to net charge-offs99.7877%4,373
Earnings coverage of net charge-offs (x)5.7113%2,698
Efficiency ratio81.3148%2,150
Assets per employee ($millions)2.0791%7,484
Cash dividends to net income (ytd only)*74.3082%796
Condition Ratios (%)
Loss allowance to loans1.2711%5,107
Loan loss allowance to noncurrent loans139.9796%2,017
Noncurrent assets plus other real estate owned to assets0.6049%5,921
Noncurrent loans to loans0.9080%5,432
Net loans and leases to total assets58.6018%5,169
Net loans and leases to deposits72.0657%4,832
Net loans and leases to core deposits72.0657%5,501
Total domestic deposits to total assets81.3172%5,262
Equity capital to assets14.4153%1,042
Core capital (leverage) ratio8.5965%5,353
Tier 1 risk-based capital ratio13.0044%4,576
Total risk-based capital ratio14.2304%4,568
Memoranda:
Average total assets$363,172,7501,825
Average earning assets$308,901,7501,959
Average equity$52,195,7501,281
Average total loans$212,587,2502,070
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4975%2,522
Cost of funding earning assets0.6321%7,337
Net interest margin4.8655%583
Noninterest income to average assets1.6382%479
Noninterest expense to average assets4.7704%450
Loan and lease loss provision to assets0.1653%5,236
Net operating income to assets0.8255%2,844
Return on assets (ROA)0.9682%2,387
Pretax return on assets0.9682%3,243
Return on Equity (ROE)6.7433%3,426
Retained earnings to average equity (ytd only)1.5160%5,112
Net charge-offs to loans0.2421%4,147
Credit loss provision to net charge-offs117.1875%3,470
Earnings coverage of net charge-offs (x)7.0234%2,370
Efficiency ratio80.8895%2,315
Assets per employee ($millions)1.9397%7,605
Cash dividends to net income (ytd only)*77.5185%820
Condition Ratios (%)
Loss allowance to loans1.2893%4,988
Loan loss allowance to noncurrent loans150.4043%1,857
Noncurrent assets plus other real estate owned to assets0.5807%6,034
Noncurrent loans to loans0.8572%5,548
Net loans and leases to total assets59.2047%5,213
Net loans and leases to deposits71.9954%4,996
Net loans and leases to core deposits71.9954%5,669
Total domestic deposits to total assets82.2339%4,891
Equity capital to assets14.5667%992
Core capital (leverage) ratio8.4610%5,478
Tier 1 risk-based capital ratio12.8641%4,555
Total risk-based capital ratio14.1132%4,513
Memoranda:
Average total assets$362,949,6701,840
Average earning assets$307,555,3301,978
Average equity$52,111,3301,276
Average total loans$211,462,0002,106
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5366%2,426
Cost of funding earning assets0.6407%7,469
Net interest margin4.8959%522
Noninterest income to average assets1.5372%511
Noninterest expense to average assets4.7040%477
Loan and lease loss provision to assets0.2747%3,826
Net operating income to assets0.6813%3,517
Return on assets (ROA)0.7758%3,188
Pretax return on assets0.7758%3,968
Return on Equity (ROE)5.4423%4,132
Retained earnings to average equity (ytd only)0.9636%5,429
Net charge-offs to loans0.5723%2,376
Credit loss provision to net charge-offs83.6120%3,795
Earnings coverage of net charge-offs (x)2.9097%3,097
Efficiency ratio81.1687%2,391
Assets per employee ($millions)2.0613%7,634
Cash dividends to net income (ytd only)*82.2946%805
Condition Ratios (%)
Loss allowance to loans1.3167%4,838
Loan loss allowance to noncurrent loans134.9175%2,074
Noncurrent assets plus other real estate owned to assets0.6172%5,975
Noncurrent loans to loans0.9759%5,375
Net loans and leases to total assets55.7183%5,789
Net loans and leases to deposits67.4105%5,659
Net loans and leases to core deposits67.4105%6,164
Total domestic deposits to total assets82.6552%4,776
Equity capital to assets14.3209%1,059
Core capital (leverage) ratio8.2691%5,802
Tier 1 risk-based capital ratio13.0820%4,274
Total risk-based capital ratio14.3273%4,247
Memoranda:
Average total assets$364,030,0001,881
Average earning assets$306,541,0002,037
Average equity$51,889,5001,291
Average total loans$208,996,0002,186
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9979%1,878
Cost of funding earning assets0.8578%7,473
Net interest margin5.1400%336
Noninterest income to average assets2.1473%343
Noninterest expense to average assets4.7772%620
Loan and lease loss provision to assets0.6345%3,266
Net operating income to assets1.0886%1,542
Return on assets (ROA)1.1333%1,460
Pretax return on assets1.1333%2,149
Return on Equity (ROE)7.7004%2,493
Retained earnings to average equity (ytd only)-3.1957%5,738
Net charge-offs to loans0.7311%3,002
Credit loss provision to net charge-offs142.2571%3,398
Earnings coverage of net charge-offs (x)3.8633%3,165
Efficiency ratio73.1739%4,058
Assets per employee ($millions)1.9430%7,759
Cash dividends to net income (ytd only)*141.5001%314
Condition Ratios (%)
Loss allowance to loans1.2882%4,827
Loan loss allowance to noncurrent loans126.7190%2,235
Noncurrent assets plus other real estate owned to assets0.6034%5,947
Noncurrent loans to loans1.0166%5,283
Net loans and leases to total assets57.6036%5,727
Net loans and leases to deposits69.4521%5,676
Net loans and leases to core deposits80.5442%6,036
Total domestic deposits to total assets82.9400%4,547
Equity capital to assets14.1879%1,110
Core capital (leverage) ratio8.2524%5,717
Tier 1 risk-based capital ratio12.4939%4,529
Total risk-based capital ratio13.7159%4,496
Memoranda:
Average total assets$357,617,6001,898
Average earning assets$302,857,8002,050
Average equity$52,633,8001,255
Average total loans$218,156,8002,117
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0454%1,858
Cost of funding earning assets0.9072%7,546
Net interest margin5.1382%337
Noninterest income to average assets1.7059%503
Noninterest expense to average assets4.3222%884
Loan and lease loss provision to assets0.6256%2,888
Net operating income to assets1.1189%1,677
Return on assets (ROA)1.1789%1,571
Pretax return on assets1.1789%2,331
Return on Equity (ROE)7.9363%2,666
Retained earnings to average equity (ytd only)0.2776%5,083
Net charge-offs to loans0.7705%2,432
Credit loss provision to net charge-offs131.6246%3,799
Earnings coverage of net charge-offs (x)3.6704%3,430
Efficiency ratio71.1708%4,394
Assets per employee ($millions)1.8863%7,860
Cash dividends to net income (ytd only)*96.5025%625
Condition Ratios (%)
Loss allowance to loans1.1719%5,285
Loan loss allowance to noncurrent loans115.2377%2,449
Noncurrent assets plus other real estate owned to assets0.6630%5,816
Noncurrent loans to loans1.0170%5,274
Net loans and leases to total assets58.8066%5,765
Net loans and leases to deposits72.7590%5,540
Net loans and leases to core deposits83.5620%6,074
Total domestic deposits to total assets80.8238%5,146
Equity capital to assets15.0397%994
Core capital (leverage) ratio8.8367%4,914
Tier 1 risk-based capital ratio13.2159%4,040
Total risk-based capital ratio14.3149%4,080
Memoranda:
Average total assets$355,703,0001,926
Average earning assets$301,885,2502,076
Average equity$52,836,0001,269
Average total loans$219,406,5002,130
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0745%1,884
Cost of funding earning assets0.9614%7,608
Net interest margin5.1131%350
Noninterest income to average assets1.7469%478
Noninterest expense to average assets4.2285%1,036
Loan and lease loss provision to assets0.6707%2,426
Net operating income to assets1.1886%1,507
Return on assets (ROA)1.2116%1,527
Pretax return on assets1.2116%2,265
Return on Equity (ROE)8.1907%2,695
Retained earnings to average equity (ytd only)-0.3342%5,303
Net charge-offs to loans0.3753%3,317
Credit loss provision to net charge-offs286.3309%1,634
Earnings coverage of net charge-offs (x)7.9376%2,354
Efficiency ratio69.4593%4,887
Assets per employee ($millions)1.9217%7,905
Cash dividends to net income (ytd only)*104.0797%668
Condition Ratios (%)
Loss allowance to loans1.2720%4,451
Loan loss allowance to noncurrent loans126.4536%2,328
Noncurrent assets plus other real estate owned to assets0.6877%5,692
Noncurrent loans to loans1.0059%5,193
Net loans and leases to total assets61.8671%5,381
Net loans and leases to deposits74.9667%5,328
Net loans and leases to core deposits86.4708%5,853
Total domestic deposits to total assets82.5262%4,464
Equity capital to assets14.6901%1,112
Core capital (leverage) ratio8.7132%5,069
Tier 1 risk-based capital ratio12.4276%4,577
Total risk-based capital ratio13.6314%4,542
Memoranda:
Average total assets$356,061,6701,948
Average earning assets$302,280,6702,098
Average equity$52,669,6701,288
Average total loans$222,203,0002,142
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0719%2,067
Cost of funding earning assets1.0341%7,617
Net interest margin5.0378%370
Noninterest income to average assets1.5522%574
Noninterest expense to average assets4.3211%837
Loan and lease loss provision to assets0.4120%2,861
Net operating income to assets1.0963%1,972
Return on assets (ROA)1.1166%2,030
Pretax return on assets1.1166%2,925
Return on Equity (ROE)7.5222%3,370
Retained earnings to average equity (ytd only)-1.0692%5,904
Net charge-offs to loans0.2567%3,126
Credit loss provision to net charge-offs257.7465%1,828
Earnings coverage of net charge-offs (x)9.4366%2,062
Efficiency ratio74.1263%3,805
Assets per employee ($millions)1.9122%7,954
Cash dividends to net income (ytd only)*114.2137%641
Condition Ratios (%)
Loss allowance to loans1.0298%5,940
Loan loss allowance to noncurrent loans103.4700%2,964
Noncurrent assets plus other real estate owned to assets0.6273%5,610
Noncurrent loans to loans0.9953%5,004
Net loans and leases to total assets61.7093%5,386
Net loans and leases to deposits74.7589%5,390
Net loans and leases to core deposits89.1235%5,634
Total domestic deposits to total assets82.5445%4,357
Equity capital to assets14.7666%1,169
Core capital (leverage) ratio8.6789%5,188
Tier 1 risk-based capital ratio12.3529%4,658
Total risk-based capital ratio13.3232%4,792
Memoranda:
Average total assets$355,374,0001,953
Average earning assets$301,718,5002,115
Average equity$52,750,5001,291
Average total loans$221,312,0002,171
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5407%2,758
Cost of funding earning assets1.4587%7,672
Net interest margin5.0820%422
Noninterest income to average assets2.0790%325
Noninterest expense to average assets4.7231%751
Loan and lease loss provision to assets0.1311%5,689
Net operating income to assets1.4938%1,031
Return on assets (ROA)1.5171%952
Pretax return on assets1.5171%1,629
Return on Equity (ROE)10.4882%2,090
Retained earnings to average equity (ytd only)5.5541%1,742
Net charge-offs to loans0.2128%4,083
Credit loss provision to net charge-offs95.1983%5,541
Earnings coverage of net charge-offs (x)11.8017%2,328
Efficiency ratio74.2767%3,527
Assets per employee ($millions)2.0181%7,902
Cash dividends to net income (ytd only)*47.0443%3,289
Condition Ratios (%)
Loss allowance to loans0.9432%6,431
Loan loss allowance to noncurrent loans122.8216%2,922
Noncurrent assets plus other real estate owned to assets0.4845%5,759
Noncurrent loans to loans0.7680%5,113
Net loans and leases to total assets61.6125%5,679
Net loans and leases to deposits78.3095%5,289
Net loans and leases to core deposits92.3489%5,601
Total domestic deposits to total assets78.6783%5,491
Equity capital to assets14.9217%1,182
Core capital (leverage) ratio8.8618%4,953
Tier 1 risk-based capital ratio11.8166%4,971
Total risk-based capital ratio12.6539%5,233
Memoranda:
Average total assets$347,907,2001,912
Average earning assets$292,249,0002,094
Average equity$50,323,2001,342
Average total loans$225,057,4002,083