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Lakestone Bank & Trust, Performance and Condition Ratios

2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1376%3,411
Cost of funding earning assets0.4261%4,252
Net interest margin3.7115%2,287
Noninterest income to average assets0.9977%863
Noninterest expense to average assets2.3874%3,557
Loan and lease loss provision to assets0.1255%2,137
Net operating income to assets1.3507%1,105
Return on assets (ROA)1.3507%1,188
Pretax return on assets1.6474%959
Return on Equity (ROE)8.8654%2,166
Retained earnings to average equity (ytd only)8.8654%1,008
Net charge-offs to loans-0.0593%4,687
Credit loss provision to net charge-offs-368.8525%3,327
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.6542%4,496
Assets per employee ($millions)5.3664%2,256
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.0714%5,055
Loan loss allowance to noncurrent loans42.1208%4,214
Noncurrent assets plus other real estate owned to assets0.2004%3,682
Noncurrent loans to loans0.1694%3,859
Net loans and leases to total assets55.2788%3,888
Net loans and leases to deposits68.0439%3,728
Net loans and leases to core deposits69.0990%3,932
Total domestic deposits to total assets81.2399%3,616
Equity capital to assets15.2691%717
Core capital (leverage) ratio9.7940%3,656
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6784%2,011
Memoranda:
Average total assets$717,268,0001,091
Average earning assets$611,178,0001,166
Average equity$109,279,000876
Average total loans$411,285,5001,269
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2213%3,761
Cost of funding earning assets0.5346%3,950
Net interest margin3.6868%2,847
Noninterest income to average assets0.8920%1,191
Noninterest expense to average assets2.8978%2,304
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.2229%1,973
Return on assets (ROA)1.2166%2,085
Pretax return on assets1.3985%2,166
Return on Equity (ROE)12.1972%1,436
Retained earnings to average equity (ytd only)4.8330%2,514
Net charge-offs to loans-0.0339%4,735
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2539%2,882
Assets per employee ($millions)4.9208%2,687
Cash dividends to net income (ytd only)*60.3764%1,543
Condition Ratios (%)
Loss allowance to loans0.4297%4,962
Loan loss allowance to noncurrent loans176.8563%2,305
Noncurrent assets plus other real estate owned to assets0.2676%3,355
Noncurrent loans to loans0.2430%3,577
Net loans and leases to total assets63.4959%3,257
Net loans and leases to deposits73.6522%3,382
Net loans and leases to core deposits74.7575%3,661
Total domestic deposits to total assets86.2105%1,978
Equity capital to assets10.0265%3,894
Core capital (leverage) ratio10.4388%3,020
Tier 1 risk-based capital ratio16.1625%2,344
Total risk-based capital ratio16.5888%2,574
Memoranda:
Average total assets$650,759,4001,152
Average earning assets$602,177,4001,142
Average equity$64,908,4001,295
Average total loans$403,566,6001,257
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2565%3,792
Cost of funding earning assets0.5511%3,921
Net interest margin3.7053%2,898
Noninterest income to average assets0.8726%1,211
Noninterest expense to average assets2.9175%2,203
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.1731%2,293
Return on assets (ROA)1.1648%2,408
Pretax return on assets1.3706%2,422
Return on Equity (ROE)11.6943%1,719
Retained earnings to average equity (ytd only)1.7919%4,342
Net charge-offs to loans-0.0530%4,851
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7803%2,623
Assets per employee ($millions)4.9425%2,624
Cash dividends to net income (ytd only)*84.6766%548
Condition Ratios (%)
Loss allowance to loans0.4336%5,034
Loan loss allowance to noncurrent loans254.1096%1,737
Noncurrent assets plus other real estate owned to assets0.3249%3,249
Noncurrent loans to loans0.1707%3,926
Net loans and leases to total assets63.3647%3,349
Net loans and leases to deposits74.1207%3,462
Net loans and leases to core deposits75.2384%3,742
Total domestic deposits to total assets85.4886%2,214
Equity capital to assets10.0755%3,940
Core capital (leverage) ratio9.7508%3,909
Tier 1 risk-based capital ratio14.2143%3,216
Total risk-based capital ratio14.6200%3,546
Memoranda:
Average total assets$646,142,5001,152
Average earning assets$597,283,7501,150
Average equity$64,360,5001,307
Average total loans$397,766,7501,279
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2546%3,776
Cost of funding earning assets0.5249%4,011
Net interest margin3.7297%2,833
Noninterest income to average assets0.8477%1,213
Noninterest expense to average assets2.9203%2,228
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.1706%2,255
Return on assets (ROA)1.1706%2,331
Pretax return on assets1.3764%2,280
Return on Equity (ROE)11.7997%1,662
Retained earnings to average equity (ytd only)2.9475%3,740
Net charge-offs to loans0.0144%2,621
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)156.6786%478
Efficiency ratio66.8492%2,702
Assets per employee ($millions)4.7469%2,807
Cash dividends to net income (ytd only)*75.0201%949
Condition Ratios (%)
Loss allowance to loans0.4051%5,102
Loan loss allowance to noncurrent loans96.1960%3,397
Noncurrent assets plus other real estate owned to assets0.3399%3,178
Noncurrent loans to loans0.4211%3,021
Net loans and leases to total assets62.1943%3,523
Net loans and leases to deposits73.0096%3,597
Net loans and leases to core deposits74.1308%3,883
Total domestic deposits to total assets85.1864%2,396
Equity capital to assets10.0375%3,944
Core capital (leverage) ratio10.0529%3,533
Tier 1 risk-based capital ratio14.4885%3,072
Total risk-based capital ratio14.8606%3,419
Memoranda:
Average total assets$637,465,3301,166
Average earning assets$589,479,0001,164
Average equity$63,239,0001,320
Average total loans$387,763,6701,312
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2429%3,738
Cost of funding earning assets0.4820%4,145
Net interest margin3.7609%2,670
Noninterest income to average assets0.8565%1,154
Noninterest expense to average assets2.9667%2,084
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.1586%2,225
Return on assets (ROA)1.1586%2,279
Pretax return on assets1.3629%2,224
Return on Equity (ROE)11.7517%1,632
Retained earnings to average equity (ytd only)6.3423%2,299
Net charge-offs to loans0.0075%2,430
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)304.8571%270
Efficiency ratio68.5204%2,564
Assets per employee ($millions)4.4818%3,220
Cash dividends to net income (ytd only)*46.0309%1,739
Condition Ratios (%)
Loss allowance to loans0.4362%5,143
Loan loss allowance to noncurrent loans112.9679%3,189
Noncurrent assets plus other real estate owned to assets0.3149%3,335
Noncurrent loans to loans0.3862%3,199
Net loans and leases to total assets60.6059%3,648
Net loans and leases to deposits68.6546%3,872
Net loans and leases to core deposits69.5360%4,099
Total domestic deposits to total assets88.2765%1,204
Equity capital to assets9.9855%3,845
Core capital (leverage) ratio10.3797%3,184
Tier 1 risk-based capital ratio15.1641%2,812
Total risk-based capital ratio15.5586%3,120
Memoranda:
Average total assets$626,291,5001,185
Average earning assets$578,379,5001,190
Average equity$61,744,0001,339
Average total loans$375,628,0001,354
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0454%3,906
Cost of funding earning assets0.3475%4,295
Net interest margin3.6979%3,038
Noninterest income to average assets0.9128%1,150
Noninterest expense to average assets2.9250%2,257
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.1846%2,241
Return on assets (ROA)1.1318%2,465
Pretax return on assets1.3317%2,395
Return on Equity (ROE)11.9421%1,734
Retained earnings to average equity (ytd only)5.6897%2,367
Net charge-offs to loans-0.0158%4,627
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.7272%2,594
Assets per employee ($millions)4.4976%3,174
Cash dividends to net income (ytd only)*52.3563%1,844
Condition Ratios (%)
Loss allowance to loans0.4664%5,158
Loan loss allowance to noncurrent loans110.6258%3,260
Noncurrent assets plus other real estate owned to assets0.3314%3,225
Noncurrent loans to loans0.4216%3,030
Net loans and leases to total assets58.7768%3,896
Net loans and leases to deposits66.7592%4,059
Net loans and leases to core deposits67.7081%4,249
Total domestic deposits to total assets88.0430%1,279
Equity capital to assets9.7277%3,931
Core capital (leverage) ratio10.2873%3,257
Tier 1 risk-based capital ratio15.6938%2,534
Total risk-based capital ratio16.1105%2,830
Memoranda:
Average total assets$614,930,2001,175
Average earning assets$566,400,2001,190
Average equity$58,281,2001,352
Average total loans$353,545,0001,387
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0095%3,895
Cost of funding earning assets0.3108%4,446
Net interest margin3.6987%3,025
Noninterest income to average assets0.9146%1,156
Noninterest expense to average assets3.0628%1,854
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.0710%2,776
Return on assets (ROA)1.0710%2,786
Pretax return on assets1.2599%2,772
Return on Equity (ROE)11.3753%2,029
Retained earnings to average equity (ytd only)6.9238%2,167
Net charge-offs to loans-0.0342%4,796
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8536%2,064
Assets per employee ($millions)4.4534%3,193
Cash dividends to net income (ytd only)*39.1332%2,099
Condition Ratios (%)
Loss allowance to loans0.4822%5,209
Loan loss allowance to noncurrent loans111.8940%3,259
Noncurrent assets plus other real estate owned to assets0.3565%3,247
Noncurrent loans to loans0.4310%3,110
Net loans and leases to total assets57.7068%4,070
Net loans and leases to deposits66.0494%4,196
Net loans and leases to core deposits67.0734%4,351
Total domestic deposits to total assets87.3692%1,564
Equity capital to assets9.3325%4,242
Core capital (leverage) ratio10.2253%3,375
Tier 1 risk-based capital ratio16.1070%2,406
Total risk-based capital ratio16.5489%2,666
Memoranda:
Average total assets$614,620,7501,181
Average earning assets$566,339,7501,192
Average equity$57,866,7501,361
Average total loans$350,966,0001,399
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9731%3,864
Cost of funding earning assets0.2767%4,582
Net interest margin3.6964%2,939
Noninterest income to average assets0.9100%1,155
Noninterest expense to average assets3.0942%1,801
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets1.0412%2,845
Return on assets (ROA)1.0412%2,848
Pretax return on assets1.2229%2,860
Return on Equity (ROE)11.0261%2,102
Retained earnings to average equity (ytd only)6.4664%2,325
Net charge-offs to loans-0.0339%4,783
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6736%2,053
Assets per employee ($millions)4.4440%3,217
Cash dividends to net income (ytd only)*41.3534%2,055
Condition Ratios (%)
Loss allowance to loans0.4780%5,286
Loan loss allowance to noncurrent loans290.1024%1,683
Noncurrent assets plus other real estate owned to assets0.1762%4,104
Noncurrent loans to loans0.1648%4,168
Net loans and leases to total assets56.8940%4,090
Net loans and leases to deposits64.6541%4,238
Net loans and leases to core deposits65.6878%4,384
Total domestic deposits to total assets87.9975%1,381
Equity capital to assets9.2910%4,288
Core capital (leverage) ratio10.1448%3,427
Tier 1 risk-based capital ratio15.5480%2,619
Total risk-based capital ratio15.9751%2,936
Memoranda:
Average total assets$613,155,3301,186
Average earning assets$565,145,3301,190
Average equity$57,899,0001,363
Average total loans$348,306,0001,413
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9607%3,754
Cost of funding earning assets0.2475%4,724
Net interest margin3.7132%2,752
Noninterest income to average assets0.9496%1,021
Noninterest expense to average assets3.1519%1,688
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.0364%2,707
Return on assets (ROA)1.0364%2,723
Pretax return on assets1.2184%2,682
Return on Equity (ROE)10.8860%2,018
Retained earnings to average equity (ytd only)5.8744%2,769
Net charge-offs to loans-0.0696%5,110
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.1203%2,176
Assets per employee ($millions)4.3608%3,381
Cash dividends to net income (ytd only)*46.0368%1,621
Condition Ratios (%)
Loss allowance to loans0.4935%5,338
Loan loss allowance to noncurrent loans280.6931%1,734
Noncurrent assets plus other real estate owned to assets0.1909%4,128
Noncurrent loans to loans0.1758%4,190
Net loans and leases to total assets55.7845%4,138
Net loans and leases to deposits61.9019%4,347
Net loans and leases to core deposits65.3805%4,353
Total domestic deposits to total assets90.1177%613
Equity capital to assets9.2612%4,308
Core capital (leverage) ratio10.0158%3,519
Tier 1 risk-based capital ratio16.0214%2,462
Total risk-based capital ratio16.4698%2,715
Memoranda:
Average total assets$608,652,0001,203
Average earning assets$560,704,0001,206
Average equity$57,946,0001,373
Average total loans$344,622,5001,426
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8705%3,822
Cost of funding earning assets0.1719%5,145
Net interest margin3.6986%2,806
Noninterest income to average assets0.9935%1,033
Noninterest expense to average assets3.0221%2,103
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.9698%2,365
Return on assets (ROA)0.9283%2,584
Pretax return on assets1.2985%2,359
Return on Equity (ROE)9.5341%2,090
Retained earnings to average equity (ytd only)4.3994%2,519
Net charge-offs to loans0.0133%3,623
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)187.3488%419
Efficiency ratio69.0130%2,696
Assets per employee ($millions)4.0431%3,893
Cash dividends to net income (ytd only)*53.8559%2,080
Condition Ratios (%)
Loss allowance to loans0.4763%5,413
Loan loss allowance to noncurrent loans249.3921%1,938
Noncurrent assets plus other real estate owned to assets0.2075%4,098
Noncurrent loans to loans0.1910%4,150
Net loans and leases to total assets56.9192%4,117
Net loans and leases to deposits63.5499%4,347
Net loans and leases to core deposits66.8382%4,373
Total domestic deposits to total assets89.5662%746
Equity capital to assets9.7849%3,936
Core capital (leverage) ratio10.1949%3,200
Tier 1 risk-based capital ratio16.1400%2,384
Total risk-based capital ratio16.5803%2,630
Memoranda:
Average total assets$593,686,2001,207
Average earning assets$543,442,2001,219
Average equity$57,803,2001,362
Average total loans$323,156,8001,469
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8509%3,828
Cost of funding earning assets0.1646%5,228
Net interest margin3.6863%2,798
Noninterest income to average assets0.9999%1,024
Noninterest expense to average assets3.0453%1,974
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.9790%2,648
Return on assets (ROA)0.9715%2,738
Pretax return on assets1.3164%2,411
Return on Equity (ROE)9.9910%2,137
Retained earnings to average equity (ytd only)6.0293%2,214
Net charge-offs to loans-0.0868%5,337
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.6571%2,589
Assets per employee ($millions)4.0223%3,954
Cash dividends to net income (ytd only)*39.6520%2,301
Condition Ratios (%)
Loss allowance to loans0.5737%5,368
Loan loss allowance to noncurrent loans256.5807%1,807
Noncurrent assets plus other real estate owned to assets0.2201%4,183
Noncurrent loans to loans0.2236%4,171
Net loans and leases to total assets55.0493%4,317
Net loans and leases to deposits61.7093%4,538
Net loans and leases to core deposits64.9887%4,555
Total domestic deposits to total assets89.2073%777
Equity capital to assets10.0942%3,809
Core capital (leverage) ratio10.1318%3,404
Tier 1 risk-based capital ratio16.8028%2,217
Total risk-based capital ratio17.3298%2,407
Memoranda:
Average total assets$591,500,5001,218
Average earning assets$541,051,0001,228
Average equity$57,517,2501,379
Average total loans$317,811,2501,494
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8816%3,619
Cost of funding earning assets0.1544%5,312
Net interest margin3.7273%2,558
Noninterest income to average assets1.0145%987
Noninterest expense to average assets3.1049%1,829
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.9704%2,568
Return on assets (ROA)0.9667%2,631
Pretax return on assets1.3157%2,329
Return on Equity (ROE)10.0707%2,009
Retained earnings to average equity (ytd only)5.9513%2,148
Net charge-offs to loans-0.1174%5,458
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1554%2,650
Assets per employee ($millions)3.8626%4,181
Cash dividends to net income (ytd only)*40.9043%2,287
Condition Ratios (%)
Loss allowance to loans0.5941%5,391
Loan loss allowance to noncurrent loans184.3195%2,392
Noncurrent assets plus other real estate owned to assets0.2586%4,089
Noncurrent loans to loans0.3223%3,877
Net loans and leases to total assets52.9167%4,486
Net loans and leases to deposits59.3995%4,674
Net loans and leases to core deposits62.9262%4,670
Total domestic deposits to total assets89.0861%916
Equity capital to assets10.0100%3,898
Core capital (leverage) ratio10.0527%3,473
Tier 1 risk-based capital ratio16.9444%2,166
Total risk-based capital ratio17.4783%2,357
Memoranda:
Average total assets$590,236,0001,223
Average earning assets$540,183,0001,233
Average equity$56,659,6701,396
Average total loans$315,129,6701,507
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7648%3,887
Cost of funding earning assets0.1540%5,345
Net interest margin3.6108%2,849
Noninterest income to average assets1.0504%910
Noninterest expense to average assets3.0753%1,932
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9353%2,583
Return on assets (ROA)0.9283%2,677
Pretax return on assets1.2728%2,337
Return on Equity (ROE)9.8825%2,015
Retained earnings to average equity (ytd only)5.2481%2,756
Net charge-offs to loans-0.2372%5,645
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5727%2,807
Assets per employee ($millions)3.6803%4,537
Cash dividends to net income (ytd only)*46.8955%1,785
Condition Ratios (%)
Loss allowance to loans0.5931%5,486
Loan loss allowance to noncurrent loans164.5558%2,627
Noncurrent assets plus other real estate owned to assets0.2769%4,103
Noncurrent loans to loans0.3604%3,801
Net loans and leases to total assets52.6005%4,462
Net loans and leases to deposits58.6231%4,656
Net loans and leases to core deposits62.3878%4,626
Total domestic deposits to total assets89.7266%782
Equity capital to assets9.4316%4,359
Core capital (leverage) ratio9.8230%3,726
Tier 1 risk-based capital ratio16.9846%2,186
Total risk-based capital ratio17.5321%2,388
Memoranda:
Average total assets$589,865,0001,221
Average earning assets$540,261,5001,235
Average equity$55,411,0001,422
Average total loans$315,397,0001,510
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0408%3,060
Cost of funding earning assets0.1891%5,117
Net interest margin3.8517%2,130
Noninterest income to average assets1.1255%905
Noninterest expense to average assets3.9412%654
Loan and lease loss provision to assets-0.0787%5,652
Net operating income to assets0.6300%4,092
Return on assets (ROA)0.6711%4,020
Pretax return on assets0.8647%3,958
Return on Equity (ROE)6.2335%3,875
Retained earnings to average equity (ytd only)0.7554%5,020
Net charge-offs to loans0.1938%1,434
Credit loss provision to net charge-offs-77.3196%4,857
Earnings coverage of net charge-offs (x)7.2036%3,054
Efficiency ratio83.5326%1,056
Assets per employee ($millions)3.6230%4,575
Cash dividends to net income (ytd only)*87.8812%650
Condition Ratios (%)
Loss allowance to loans0.4625%5,690
Loan loss allowance to noncurrent loans107.3475%3,479
Noncurrent assets plus other real estate owned to assets0.3993%3,670
Noncurrent loans to loans0.4308%3,598
Net loans and leases to total assets53.9061%4,448
Net loans and leases to deposits60.4271%4,642
Net loans and leases to core deposits63.2040%4,678
Total domestic deposits to total assets89.2084%1,004
Equity capital to assets9.4022%4,372
Core capital (leverage) ratio9.8867%3,648
Tier 1 risk-based capital ratio16.6804%2,276
Total risk-based capital ratio17.1020%2,536
Memoranda:
Average total assets$381,152,0001,759
Average earning assets$351,196,4001,770
Average equity$41,036,2001,805
Average total loans$200,210,4002,122
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5484%4,682
Cost of funding earning assets0.1891%5,185
Net interest margin3.3593%3,999
Noninterest income to average assets1.1009%936
Noninterest expense to average assets3.1129%1,997
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.8282%3,245
Return on assets (ROA)0.8993%3,049
Pretax return on assets1.1994%2,842
Return on Equity (ROE)7.9109%3,054
Retained earnings to average equity (ytd only)3.2708%3,942
Net charge-offs to loans0.0973%1,973
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)21.9123%1,795
Efficiency ratio73.8095%2,321
Assets per employee ($millions)3.4969%4,783
Cash dividends to net income (ytd only)*58.6548%1,475
Condition Ratios (%)
Loss allowance to loans1.1536%3,526
Loan loss allowance to noncurrent loans18,400.0000%32
Noncurrent assets plus other real estate owned to assets0.4372%3,671
Noncurrent loans to loans0.0063%5,393
Net loans and leases to total assets51.1285%4,723
Net loans and leases to deposits57.9604%4,877
Net loans and leases to core deposits62.6708%4,795
Total domestic deposits to total assets88.2129%1,292
Equity capital to assets11.2314%2,762
Core capital (leverage) ratio11.4248%2,096
Tier 1 risk-based capital ratio19.7953%1,486
Total risk-based capital ratio20.8451%1,490
Memoranda:
Average total assets$330,615,5002,005
Average earning assets$306,721,5002,004
Average equity$37,584,5001,959
Average total loans$171,289,5002,399
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6100%4,557
Cost of funding earning assets0.1893%5,242
Net interest margin3.4207%3,799
Noninterest income to average assets1.0374%1,039
Noninterest expense to average assets3.0938%2,077
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.8401%3,132
Return on assets (ROA)0.8854%3,057
Pretax return on assets1.1789%2,863
Return on Equity (ROE)7.7565%3,113
Retained earnings to average equity (ytd only)3.3784%3,744
Net charge-offs to loans0.0259%2,960
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)83.3182%684
Efficiency ratio73.4463%2,442
Assets per employee ($millions)3.3812%4,950
Cash dividends to net income (ytd only)*56.4438%1,686
Condition Ratios (%)
Loss allowance to loans1.2557%3,042
Loan loss allowance to noncurrent loans235.2876%1,995
Noncurrent assets plus other real estate owned to assets0.4561%3,684
Noncurrent loans to loans0.5337%3,476
Net loans and leases to total assets50.9961%4,766
Net loans and leases to deposits58.1596%4,892
Net loans and leases to core deposits63.0686%4,807
Total domestic deposits to total assets87.6830%1,584
Equity capital to assets11.6304%2,416
Core capital (leverage) ratio11.4059%2,059
Tier 1 risk-based capital ratio19.4049%1,591
Total risk-based capital ratio20.4946%1,602
Memoranda:
Average total assets$327,753,3302,029
Average earning assets$304,210,0002,026
Average equity$37,413,6701,969
Average total loans$169,901,6702,415
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6165%4,578
Cost of funding earning assets0.1888%5,299
Net interest margin3.4277%3,776
Noninterest income to average assets1.0426%1,000
Noninterest expense to average assets3.0753%2,163
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.8454%3,007
Return on assets (ROA)0.8534%3,103
Pretax return on assets1.1696%2,820
Return on Equity (ROE)7.5470%3,166
Retained earnings to average equity (ytd only)3.2930%3,847
Net charge-offs to loans0.0423%2,154
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)52.7222%850
Efficiency ratio72.6355%2,710
Assets per employee ($millions)3.4514%4,883
Cash dividends to net income (ytd only)*56.3662%1,548
Condition Ratios (%)
Loss allowance to loans1.2637%3,090
Loan loss allowance to noncurrent loans224.3158%2,055
Noncurrent assets plus other real estate owned to assets0.5375%3,464
Noncurrent loans to loans0.5634%3,498
Net loans and leases to total assets50.2520%4,784
Net loans and leases to deposits57.0021%4,918
Net loans and leases to core deposits62.0379%4,817
Total domestic deposits to total assets88.1582%1,555
Equity capital to assets11.2985%2,631
Core capital (leverage) ratio11.4025%2,050
Tier 1 risk-based capital ratio19.4057%1,629
Total risk-based capital ratio20.5070%1,639
Memoranda:
Average total assets$327,641,0002,038
Average earning assets$305,047,0002,025
Average equity$37,048,0001,986
Average total loans$170,161,0002,405
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8021%4,036
Cost of funding earning assets0.1968%5,310
Net interest margin3.6052%3,115
Noninterest income to average assets1.0671%1,031
Noninterest expense to average assets3.0371%2,427
Loan and lease loss provision to assets-0.1875%5,976
Net operating income to assets1.1153%1,856
Return on assets (ROA)1.1180%1,909
Pretax return on assets1.5804%1,311
Return on Equity (ROE)10.0803%1,980
Retained earnings to average equity (ytd only)5.6797%1,967
Net charge-offs to loans-0.0162%5,222
Credit loss provision to net charge-offs2,142.8571%156
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6150%3,461
Assets per employee ($millions)3.4100%4,965
Cash dividends to net income (ytd only)*43.6557%2,663
Condition Ratios (%)
Loss allowance to loans1.2517%3,160
Loan loss allowance to noncurrent loans193.2554%2,315
Noncurrent assets plus other real estate owned to assets0.5878%3,323
Noncurrent loans to loans0.6477%3,239
Net loans and leases to total assets52.3356%4,664
Net loans and leases to deposits59.4515%4,810
Net loans and leases to core deposits62.9618%4,801
Total domestic deposits to total assets88.0307%1,607
Equity capital to assets11.3167%2,527
Core capital (leverage) ratio11.6840%1,827
Tier 1 risk-based capital ratio19.7831%1,522
Total risk-based capital ratio20.9245%1,518
Memoranda:
Average total assets$320,039,4002,044
Average earning assets$298,207,2002,025
Average equity$35,494,8002,009
Average total loans$173,225,0002,314
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8517%3,929
Cost of funding earning assets0.1988%5,386
Net interest margin3.6529%2,947
Noninterest income to average assets1.0551%1,073
Noninterest expense to average assets3.0932%2,241
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.9674%2,631
Return on assets (ROA)0.9674%2,716
Pretax return on assets1.3635%2,167
Return on Equity (ROE)8.7678%2,694
Retained earnings to average equity (ytd only)5.4311%2,622
Net charge-offs to loans-0.0092%4,962
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.4046%3,311
Assets per employee ($millions)3.3123%5,103
Cash dividends to net income (ytd only)*38.0562%2,407
Condition Ratios (%)
Loss allowance to loans1.6051%1,776
Loan loss allowance to noncurrent loans226.6169%2,039
Noncurrent assets plus other real estate owned to assets0.6708%3,245
Noncurrent loans to loans0.7083%3,206
Net loans and leases to total assets52.6863%4,693
Net loans and leases to deposits59.8040%4,873
Net loans and leases to core deposits63.9419%4,819
Total domestic deposits to total assets88.0984%1,504
Equity capital to assets11.3560%2,637
Core capital (leverage) ratio11.3102%2,184
Tier 1 risk-based capital ratio19.5628%1,654
Total risk-based capital ratio20.8151%1,619
Memoranda:
Average total assets$319,062,7502,065
Average earning assets$297,107,0002,046
Average equity$35,203,5002,035
Average total loans$173,609,2502,326
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8722%3,793
Cost of funding earning assets0.1999%5,434
Net interest margin3.6724%2,826
Noninterest income to average assets1.0262%1,126
Noninterest expense to average assets3.1131%2,208
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.9461%2,659
Return on assets (ROA)0.9461%2,775
Pretax return on assets1.3299%2,246
Return on Equity (ROE)8.6587%2,716
Retained earnings to average equity (ytd only)5.2204%2,721
Net charge-offs to loans-0.0172%5,116
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.0676%3,313
Assets per employee ($millions)3.4129%4,959
Cash dividends to net income (ytd only)*39.7088%2,395
Condition Ratios (%)
Loss allowance to loans1.5407%2,112
Loan loss allowance to noncurrent loans177.7778%2,436
Noncurrent assets plus other real estate owned to assets0.7773%3,062
Noncurrent loans to loans0.8666%2,960
Net loans and leases to total assets55.0885%4,443
Net loans and leases to deposits62.3846%4,674
Net loans and leases to core deposits67.2457%4,554
Total domestic deposits to total assets88.3047%1,494
Equity capital to assets10.9893%2,891
Core capital (leverage) ratio11.2433%2,212
Tier 1 risk-based capital ratio19.2336%1,738
Total risk-based capital ratio20.4864%1,704
Memoranda:
Average total assets$319,423,0002,079
Average earning assets$297,193,6702,062
Average equity$34,901,3302,063
Average total loans$174,723,6702,319
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8177%3,941
Cost of funding earning assets0.1985%5,528
Net interest margin3.6192%2,931
Noninterest income to average assets0.9749%1,175
Noninterest expense to average assets3.1033%2,260
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.8875%2,808
Return on assets (ROA)0.8875%2,932
Pretax return on assets1.2396%2,512
Return on Equity (ROE)8.1462%2,886
Retained earnings to average equity (ytd only)4.3767%3,396
Net charge-offs to loans-0.0069%4,590
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.4573%3,257
Assets per employee ($millions)3.3999%5,083
Cash dividends to net income (ytd only)*46.2729%1,848
Condition Ratios (%)
Loss allowance to loans1.5547%2,216
Loan loss allowance to noncurrent loans189.2981%2,327
Noncurrent assets plus other real estate owned to assets0.8151%3,062
Noncurrent loans to loans0.8213%3,190
Net loans and leases to total assets53.9715%4,449
Net loans and leases to deposits61.0985%4,653
Net loans and leases to core deposits66.1971%4,498
Total domestic deposits to total assets88.3352%1,641
Equity capital to assets11.0832%2,881
Core capital (leverage) ratio11.0961%2,320
Tier 1 risk-based capital ratio19.2225%1,808
Total risk-based capital ratio20.4748%1,764
Memoranda:
Average total assets$320,434,5002,085
Average earning assets$298,187,5002,064
Average equity$34,912,0002,071
Average total loans$173,292,0002,335
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9487%3,931
Cost of funding earning assets0.2356%5,463
Net interest margin3.7131%2,960
Noninterest income to average assets1.0997%1,006
Noninterest expense to average assets3.0549%2,668
Loan and lease loss provision to assets-0.2042%6,296
Net operating income to assets1.2021%1,581
Return on assets (ROA)1.1590%1,798
Pretax return on assets1.6247%1,162
Return on Equity (ROE)11.8916%1,445
Retained earnings to average equity (ytd only)7.7526%1,109
Net charge-offs to loans0.3885%1,100
Credit loss provision to net charge-offs-103.8339%5,527
Earnings coverage of net charge-offs (x)7.5304%3,020
Efficiency ratio67.3478%4,007
Assets per employee ($millions)3.3819%5,100
Cash dividends to net income (ytd only)*34.8062%3,133
Condition Ratios (%)
Loss allowance to loans1.5878%2,134
Loan loss allowance to noncurrent loans185.8607%2,374
Noncurrent assets plus other real estate owned to assets0.8192%3,156
Noncurrent loans to loans0.8543%3,179
Net loans and leases to total assets52.4938%4,741
Net loans and leases to deposits60.8603%4,822
Net loans and leases to core deposits64.8908%4,762
Total domestic deposits to total assets86.2529%2,695
Equity capital to assets10.7082%3,223
Core capital (leverage) ratio11.0577%2,351
Tier 1 risk-based capital ratio19.1817%1,797
Total risk-based capital ratio20.4346%1,761
Memoranda:
Average total assets$318,278,8002,043
Average earning assets$294,555,6002,039
Average equity$31,022,0002,222
Average total loans$161,114,0002,411
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9762%3,849
Cost of funding earning assets0.2429%5,480
Net interest margin3.7333%2,883
Noninterest income to average assets1.1362%937
Noninterest expense to average assets3.2000%2,180
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets1.0229%2,354
Return on assets (ROA)0.9847%2,585
Pretax return on assets1.3370%2,247
Return on Equity (ROE)10.3609%2,049
Retained earnings to average equity (ytd only)7.4581%1,588
Net charge-offs to loans0.5062%762
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)5.4933%3,250
Efficiency ratio69.7383%3,558
Assets per employee ($millions)3.2695%5,285
Cash dividends to net income (ytd only)*28.0171%2,889
Condition Ratios (%)
Loss allowance to loans2.1664%991
Loan loss allowance to noncurrent loans189.0312%2,248
Noncurrent assets plus other real estate owned to assets0.9387%3,093
Noncurrent loans to loans1.1461%2,767
Net loans and leases to total assets48.3432%5,174
Net loans and leases to deposits54.1441%5,377
Net loans and leases to core deposits58.5044%5,300
Total domestic deposits to total assets89.2862%1,082
Equity capital to assets10.1447%3,998
Core capital (leverage) ratio10.7235%2,791
Tier 1 risk-based capital ratio20.1253%1,643
Total risk-based capital ratio21.3848%1,605
Memoranda:
Average total assets$317,529,5002,058
Average earning assets$293,636,5002,052
Average equity$30,176,7502,274
Average total loans$158,549,7502,458
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9956%3,742
Cost of funding earning assets0.2477%5,511
Net interest margin3.7479%2,768
Noninterest income to average assets1.1629%861
Noninterest expense to average assets3.2066%2,173
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.0525%2,112
Return on assets (ROA)1.0143%2,339
Pretax return on assets1.3631%2,027
Return on Equity (ROE)10.9178%1,764
Retained earnings to average equity (ytd only)8.2273%1,237
Net charge-offs to loans0.0716%2,991
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)39.4211%1,072
Efficiency ratio69.3869%3,762
Assets per employee ($millions)3.1195%5,566
Cash dividends to net income (ytd only)*24.6431%3,015
Condition Ratios (%)
Loss allowance to loans2.4956%714
Loan loss allowance to noncurrent loans739.2120%662
Noncurrent assets plus other real estate owned to assets0.5362%4,386
Noncurrent loans to loans0.3376%5,004
Net loans and leases to total assets47.9096%5,177
Net loans and leases to deposits53.9628%5,363
Net loans and leases to core deposits58.8493%5,212
Total domestic deposits to total assets88.7828%1,484
Equity capital to assets9.7719%4,402
Core capital (leverage) ratio10.5759%2,851
Tier 1 risk-based capital ratio19.4580%1,807
Total risk-based capital ratio20.7202%1,776
Memoranda:
Average total assets$317,659,0002,058
Average earning assets$293,122,3302,052
Average equity$29,511,3302,297
Average total loans$159,162,6702,458
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0291%3,572
Cost of funding earning assets0.2491%5,589
Net interest margin3.7800%2,552
Noninterest income to average assets1.1360%864
Noninterest expense to average assets3.2270%2,134
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.0324%2,076
Return on assets (ROA)0.9537%2,462
Pretax return on assets1.2817%2,166
Return on Equity (ROE)10.5433%1,848
Retained earnings to average equity (ytd only)7.5469%1,795
Net charge-offs to loans-0.0250%5,463
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9232%3,849
Assets per employee ($millions)3.1738%5,563
Cash dividends to net income (ytd only)*28.4197%2,324
Condition Ratios (%)
Loss allowance to loans2.5423%775
Loan loss allowance to noncurrent loans685.1282%716
Noncurrent assets plus other real estate owned to assets0.5943%4,369
Noncurrent loans to loans0.3711%5,016
Net loans and leases to total assets47.9308%5,137
Net loans and leases to deposits53.8197%5,305
Net loans and leases to core deposits59.1508%5,111
Total domestic deposits to total assets89.0579%1,621
Equity capital to assets9.1227%4,976
Core capital (leverage) ratio10.5268%2,895
Tier 1 risk-based capital ratio18.8419%2,015
Total risk-based capital ratio20.1041%1,971
Memoranda:
Average total assets$315,834,0002,078
Average earning assets$290,684,0002,077
Average equity$28,568,0002,364
Average total loans$159,805,0002,464
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1179%3,670
Cost of funding earning assets0.2761%5,792
Net interest margin3.8418%2,498
Noninterest income to average assets1.4252%687
Noninterest expense to average assets3.2684%2,224
Loan and lease loss provision to assets0.1170%2,857
Net operating income to assets1.1077%1,910
Return on assets (ROA)1.1337%1,883
Pretax return on assets1.6134%1,137
Return on Equity (ROE)11.9481%1,434
Retained earnings to average equity (ytd only)9.4201%674
Net charge-offs to loans0.0682%4,258
Credit loss provision to net charge-offs327.2727%701
Earnings coverage of net charge-offs (x)47.3636%829
Efficiency ratio65.8719%4,586
Assets per employee ($millions)2.9915%5,847
Cash dividends to net income (ytd only)*21.1583%3,668
Condition Ratios (%)
Loss allowance to loans2.4679%857
Loan loss allowance to noncurrent loans104.0073%3,527
Noncurrent assets plus other real estate owned to assets1.6627%2,222
Noncurrent loans to loans2.3728%1,621
Net loans and leases to total assets50.7727%4,992
Net loans and leases to deposits56.0030%5,303
Net loans and leases to core deposits60.6112%5,175
Total domestic deposits to total assets90.6607%724
Equity capital to assets8.9655%5,080
Core capital (leverage) ratio10.6643%2,711
Tier 1 risk-based capital ratio18.5121%2,075
Total risk-based capital ratio19.7743%2,038
Memoranda:
Average total assets$307,669,6002,095
Average earning assets$283,224,4002,090
Average equity$29,193,0002,300
Average total loans$161,188,6002,410
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1324%3,631
Cost of funding earning assets0.2793%5,894
Net interest margin3.8531%2,451
Noninterest income to average assets1.5023%650
Noninterest expense to average assets3.3140%2,044
Loan and lease loss provision to assets0.1434%2,491
Net operating income to assets1.1187%1,937
Return on assets (ROA)1.1534%1,871
Pretax return on assets1.6440%1,231
Return on Equity (ROE)11.9879%1,477
Retained earnings to average equity (ytd only)10.6102%663
Net charge-offs to loans0.3280%1,902
Credit loss provision to net charge-offs83.3333%2,766
Earnings coverage of net charge-offs (x)10.0984%2,397
Efficiency ratio65.6000%4,562
Assets per employee ($millions)2.9091%5,993
Cash dividends to net income (ytd only)*11.4922%3,430
Condition Ratios (%)
Loss allowance to loans2.3338%1,133
Loan loss allowance to noncurrent loans141.3052%2,665
Noncurrent assets plus other real estate owned to assets1.2177%3,210
Noncurrent loans to loans1.6516%2,706
Net loans and leases to total assets49.9546%5,141
Net loans and leases to deposits55.2242%5,440
Net loans and leases to core deposits59.5176%5,341
Total domestic deposits to total assets90.4578%757
Equity capital to assets9.0434%5,141
Core capital (leverage) ratio10.3599%3,156
Tier 1 risk-based capital ratio18.6246%2,107
Total risk-based capital ratio19.8855%2,072
Memoranda:
Average total assets$306,808,0002,105
Average earning assets$282,638,0002,103
Average equity$29,518,0002,305
Average total loans$160,996,0002,421
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1477%3,549
Cost of funding earning assets0.2831%5,961
Net interest margin3.8646%2,326
Noninterest income to average assets1.4718%730
Noninterest expense to average assets3.3295%1,992
Loan and lease loss provision to assets0.1959%1,940
Net operating income to assets1.0645%2,058
Return on assets (ROA)1.1166%1,994
Pretax return on assets1.5867%1,405
Return on Equity (ROE)11.3766%1,694
Retained earnings to average equity (ytd only)10.4252%759
Net charge-offs to loans0.0765%3,619
Credit loss provision to net charge-offs483.8710%569
Earnings coverage of net charge-offs (x)42.1935%896
Efficiency ratio66.0920%4,533
Assets per employee ($millions)2.7738%6,191
Cash dividends to net income (ytd only)*8.3626%3,348
Condition Ratios (%)
Loss allowance to loans2.5516%932
Loan loss allowance to noncurrent loans147.9213%2,540
Noncurrent assets plus other real estate owned to assets1.4599%2,916
Noncurrent loans to loans1.7249%2,729
Net loans and leases to total assets49.4310%5,169
Net loans and leases to deposits54.8967%5,445
Net loans and leases to core deposits59.9418%5,266
Total domestic deposits to total assets90.0436%1,000
Equity capital to assets9.3942%4,729
Core capital (leverage) ratio10.1941%3,243
Tier 1 risk-based capital ratio18.2866%2,215
Total risk-based capital ratio19.5494%2,178
Memoranda:
Average total assets$306,288,0002,115
Average earning assets$282,617,0002,112
Average equity$30,061,6702,269
Average total loans$162,086,3302,411
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0335%3,985
Cost of funding earning assets0.2890%6,052
Net interest margin3.7445%2,679
Noninterest income to average assets1.3788%811
Noninterest expense to average assets3.2826%2,124
Loan and lease loss provision to assets0.2946%1,187
Net operating income to assets0.9013%2,651
Return on assets (ROA)0.9375%2,626
Pretax return on assets1.3133%2,181
Return on Equity (ROE)9.3502%2,331
Retained earnings to average equity (ytd only)8.8931%1,414
Net charge-offs to loans0.1309%2,619
Credit loss provision to net charge-offs416.6667%617
Earnings coverage of net charge-offs (x)22.0185%1,148
Efficiency ratio67.8301%4,337
Assets per employee ($millions)2.9512%6,068
Cash dividends to net income (ytd only)*4.8883%2,583
Condition Ratios (%)
Loss allowance to loans2.4235%1,210
Loan loss allowance to noncurrent loans149.9426%2,380
Noncurrent assets plus other real estate owned to assets1.6448%2,803
Noncurrent loans to loans1.6163%3,115
Net loans and leases to total assets50.9071%4,860
Net loans and leases to deposits56.7350%5,169
Net loans and leases to core deposits62.0562%4,952
Total domestic deposits to total assets89.7279%1,206
Equity capital to assets9.9355%4,231
Core capital (leverage) ratio10.3368%2,987
Tier 1 risk-based capital ratio17.8027%2,446
Total risk-based capital ratio19.0652%2,401
Memoranda:
Average total assets$305,486,0002,150
Average earning assets$282,334,5002,137
Average equity$30,630,5002,265
Average total loans$165,040,0002,380
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3882%3,858
Cost of funding earning assets0.4321%5,706
Net interest margin3.9561%2,580
Noninterest income to average assets1.1777%1,135
Noninterest expense to average assets3.2569%2,457
Loan and lease loss provision to assets1.1500%317
Net operating income to assets0.3267%5,372
Return on assets (ROA)0.6276%4,366
Pretax return on assets0.8623%4,061
Return on Equity (ROE)6.2576%4,039
Retained earnings to average equity (ytd only)5.3613%2,460
Net charge-offs to loans2.6341%225
Credit loss provision to net charge-offs74.4397%4,028
Earnings coverage of net charge-offs (x)1.0358%4,955
Efficiency ratio67.0551%4,318
Assets per employee ($millions)2.8676%6,214
Cash dividends to net income (ytd only)*14.3236%3,944
Condition Ratios (%)
Loss allowance to loans2.2249%1,514
Loan loss allowance to noncurrent loans84.5252%3,784
Noncurrent assets plus other real estate owned to assets2.0249%2,419
Noncurrent loans to loans2.6322%2,010
Net loans and leases to total assets54.6889%4,515
Net loans and leases to deposits61.0442%4,908
Net loans and leases to core deposits64.1474%4,940
Total domestic deposits to total assets89.5890%1,198
Equity capital to assets10.1208%4,011
Core capital (leverage) ratio10.0228%3,366
Tier 1 risk-based capital ratio17.0456%2,630
Total risk-based capital ratio18.3062%2,591
Memoranda:
Average total assets$300,343,8002,135
Average earning assets$279,340,0002,108
Average equity$30,123,4002,241
Average total loans$176,148,8002,249
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4716%3,746
Cost of funding earning assets0.4539%5,763
Net interest margin4.0177%2,435
Noninterest income to average assets1.1243%1,189
Noninterest expense to average assets3.2609%2,388
Loan and lease loss provision to assets1.4010%234
Net operating income to assets0.1570%6,017
Return on assets (ROA)0.4953%5,130
Pretax return on assets0.6667%4,963
Return on Equity (ROE)4.9495%4,839
Retained earnings to average equity (ytd only)4.9495%3,398
Net charge-offs to loans3.3759%142
Credit loss provision to net charge-offs69.9490%3,905
Earnings coverage of net charge-offs (x)0.8042%4,930
Efficiency ratio66.9372%4,258
Assets per employee ($millions)2.7126%6,474
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.0704%1,980
Loan loss allowance to noncurrent loans67.5477%4,314
Noncurrent assets plus other real estate owned to assets2.4510%2,162
Noncurrent loans to loans3.0651%1,815
Net loans and leases to total assets57.2389%4,254
Net loans and leases to deposits64.0817%4,706
Net loans and leases to core deposits67.4850%4,779
Total domestic deposits to total assets89.3217%1,229
Equity capital to assets10.3292%4,044
Core capital (leverage) ratio9.8981%3,689
Tier 1 risk-based capital ratio16.3995%3,061
Total risk-based capital ratio17.6583%3,018
Memoranda:
Average total assets$300,156,2502,156
Average earning assets$279,955,2502,124
Average equity$30,036,0002,267
Average total loans$178,083,0002,260
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5208%3,683
Cost of funding earning assets0.4644%5,876
Net interest margin4.0564%2,263
Noninterest income to average assets1.0409%1,347
Noninterest expense to average assets3.1964%2,602
Loan and lease loss provision to assets1.5031%240
Net operating income to assets0.1047%6,147
Return on assets (ROA)0.5921%4,664
Pretax return on assets0.8175%4,412
Return on Equity (ROE)5.9797%4,337
Retained earnings to average equity (ytd only)5.9797%2,728
Net charge-offs to loans0.0623%4,552
Credit loss provision to net charge-offs4,048.2143%68
Earnings coverage of net charge-offs (x)44.2679%811
Efficiency ratio66.0411%4,526
Assets per employee ($millions)2.6886%6,541
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans4.0318%333
Loan loss allowance to noncurrent loans127.3894%2,573
Noncurrent assets plus other real estate owned to assets2.6757%2,064
Noncurrent loans to loans3.1649%1,842
Net loans and leases to total assets56.9807%4,330
Net loans and leases to deposits63.4951%4,827
Net loans and leases to core deposits66.6988%4,925
Total domestic deposits to total assets89.7403%1,081
Equity capital to assets10.0794%4,222
Core capital (leverage) ratio9.7140%3,811
Tier 1 risk-based capital ratio16.6685%2,822
Total risk-based capital ratio17.9531%2,756
Memoranda:
Average total assets$301,650,0002,146
Average earning assets$282,513,6702,109
Average equity$29,867,6702,263
Average total loans$179,837,6702,235
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5665%3,648
Cost of funding earning assets0.4730%5,992
Net interest margin4.0936%2,119
Noninterest income to average assets1.0104%1,402
Noninterest expense to average assets3.2329%2,498
Loan and lease loss provision to assets1.0552%384
Net operating income to assets0.4010%5,253
Return on assets (ROA)0.7466%3,878
Pretax return on assets1.0446%3,521
Return on Equity (ROE)7.6071%3,445
Retained earnings to average equity (ytd only)7.6071%2,123
Net charge-offs to loans0.2473%2,691
Credit loss provision to net charge-offs714.2857%489
Earnings coverage of net charge-offs (x)10.9196%1,715
Efficiency ratio66.7120%4,422
Assets per employee ($millions)2.7581%6,566
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.1112%748
Loan loss allowance to noncurrent loans109.6567%2,821
Noncurrent assets plus other real estate owned to assets2.5311%2,341
Noncurrent loans to loans2.8372%2,277
Net loans and leases to total assets57.1772%4,191
Net loans and leases to deposits63.5817%4,694
Net loans and leases to core deposits66.7582%4,825
Total domestic deposits to total assets89.9272%1,124
Equity capital to assets9.7746%4,418
Core capital (leverage) ratio9.6058%3,906
Tier 1 risk-based capital ratio16.0782%3,134
Total risk-based capital ratio17.3512%3,089
Memoranda:
Average total assets$303,259,5002,149
Average earning assets$284,154,0002,102
Average equity$29,761,5002,276
Average total loans$181,160,5002,220
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8663%3,516
Cost of funding earning assets0.6906%5,603
Net interest margin4.1757%2,135
Noninterest income to average assets1.0522%1,210
Noninterest expense to average assets3.0752%3,289
Loan and lease loss provision to assets1.0435%899
Net operating income to assets0.6078%3,960
Return on assets (ROA)0.7200%3,559
Pretax return on assets0.9950%3,261
Return on Equity (ROE)7.5122%3,144
Retained earnings to average equity (ytd only)6.7255%1,629
Net charge-offs to loans0.8839%1,971
Credit loss provision to net charge-offs185.0746%1,398
Earnings coverage of net charge-offs (x)3.3391%3,552
Efficiency ratio62.0273%5,457
Assets per employee ($millions)2.7557%6,526
Cash dividends to net income (ytd only)*10.4722%3,850
Condition Ratios (%)
Loss allowance to loans2.7156%1,065
Loan loss allowance to noncurrent loans182.8391%1,802
Noncurrent assets plus other real estate owned to assets1.8351%3,205
Noncurrent loans to loans1.4853%3,920
Net loans and leases to total assets58.8340%4,221
Net loans and leases to deposits65.4360%4,813
Net loans and leases to core deposits68.8778%4,921
Total domestic deposits to total assets89.9107%1,037
Equity capital to assets9.8539%4,366
Core capital (leverage) ratio9.4487%4,112
Tier 1 risk-based capital ratio15.5266%3,310
Total risk-based capital ratio16.7945%3,250
Memoranda:
Average total assets$297,082,8002,157
Average earning assets$277,870,0002,114
Average equity$28,473,8002,298
Average total loans$189,505,6002,136
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9271%3,441
Cost of funding earning assets0.7220%5,644
Net interest margin4.2051%2,079
Noninterest income to average assets0.9811%1,388
Noninterest expense to average assets3.1404%3,026
Loan and lease loss provision to assets0.9001%991
Net operating income to assets0.6326%3,954
Return on assets (ROA)0.7457%3,569
Pretax return on assets1.0297%3,288
Return on Equity (ROE)7.8363%3,112
Retained earnings to average equity (ytd only)7.8363%1,572
Net charge-offs to loans0.6030%2,444
Credit loss provision to net charge-offs230.9469%1,233
Earnings coverage of net charge-offs (x)4.5485%3,030
Efficiency ratio63.9187%5,087
Assets per employee ($millions)2.7702%6,539
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.4910%1,409
Loan loss allowance to noncurrent loans152.5970%2,000
Noncurrent assets plus other real estate owned to assets1.8063%3,384
Noncurrent loans to loans1.6324%3,849
Net loans and leases to total assets60.7348%4,000
Net loans and leases to deposits67.9436%4,624
Net loans and leases to core deposits71.4853%4,773
Total domestic deposits to total assets89.3900%1,198
Equity capital to assets10.0875%4,222
Core capital (leverage) ratio9.3334%4,408
Tier 1 risk-based capital ratio15.1953%3,549
Total risk-based capital ratio16.4605%3,503
Memoranda:
Average total assets$296,261,2502,163
Average earning assets$277,019,2502,127
Average equity$28,192,7502,318
Average total loans$191,469,0002,137
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9085%3,581
Cost of funding earning assets0.7477%5,686
Net interest margin4.1608%2,183
Noninterest income to average assets0.8622%1,764
Noninterest expense to average assets3.0811%3,327
Loan and lease loss provision to assets0.9482%931
Net operating income to assets0.5346%4,354
Return on assets (ROA)0.6394%3,988
Pretax return on assets0.8642%3,783
Return on Equity (ROE)6.8579%3,510
Retained earnings to average equity (ytd only)6.8579%1,945
Net charge-offs to loans0.7713%1,959
Credit loss provision to net charge-offs187.9195%1,609
Earnings coverage of net charge-offs (x)3.3114%3,216
Efficiency ratio64.8375%5,087
Assets per employee ($millions)2.7297%6,596
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.2148%1,888
Loan loss allowance to noncurrent loans191.5785%1,585
Noncurrent assets plus other real estate owned to assets1.6273%3,748
Noncurrent loans to loans1.1561%4,731
Net loans and leases to total assets61.7727%3,933
Net loans and leases to deposits68.6165%4,614
Net loans and leases to core deposits72.1077%4,805
Total domestic deposits to total assets90.0259%964
Equity capital to assets9.5331%4,762
Core capital (leverage) ratio9.0910%4,587
Tier 1 risk-based capital ratio14.2747%3,957
Total risk-based capital ratio15.5367%3,925
Memoranda:
Average total assets$295,288,0002,176
Average earning assets$276,051,3302,136
Average equity$27,530,3302,346
Average total loans$193,175,6702,155
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8593%3,777
Cost of funding earning assets0.7527%5,839
Net interest margin4.1066%2,245
Noninterest income to average assets0.8635%1,801
Noninterest expense to average assets3.0555%3,438
Loan and lease loss provision to assets1.0878%671
Net operating income to assets0.4433%4,752
Return on assets (ROA)0.4433%4,833
Pretax return on assets0.5630%4,821
Return on Equity (ROE)4.8095%4,497
Retained earnings to average equity (ytd only)4.8095%3,297
Net charge-offs to loans0.1022%3,935
Credit loss provision to net charge-offs1,600.0000%242
Earnings coverage of net charge-offs (x)24.2800%989
Efficiency ratio64.9234%5,198
Assets per employee ($millions)2.7694%6,585
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.1791%2,014
Loan loss allowance to noncurrent loans125.6789%2,329
Noncurrent assets plus other real estate owned to assets1.7252%3,666
Noncurrent loans to loans1.7339%3,906
Net loans and leases to total assets63.9062%3,448
Net loans and leases to deposits70.5666%4,262
Net loans and leases to core deposits73.8079%4,552
Total domestic deposits to total assets90.5616%815
Equity capital to assets9.1332%4,980
Core capital (leverage) ratio8.8242%4,891
Tier 1 risk-based capital ratio13.4775%4,435
Total risk-based capital ratio14.7405%4,402
Memoranda:
Average total assets$294,161,5002,198
Average earning assets$275,264,5002,158
Average equity$27,113,0002,367
Average total loans$195,782,5002,147
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9633%4,731
Cost of funding earning assets1.1016%5,129
Net interest margin3.8617%3,681
Noninterest income to average assets0.9540%1,658
Noninterest expense to average assets2.9603%3,998
Loan and lease loss provision to assets1.4365%1,039
Net operating income to assets0.1630%5,396
Return on assets (ROA)0.2662%5,217
Pretax return on assets0.2631%5,330
Return on Equity (ROE)2.8773%5,003
Retained earnings to average equity (ytd only)2.6753%3,982
Net charge-offs to loans2.2845%847
Credit loss provision to net charge-offs97.9467%4,728
Earnings coverage of net charge-offs (x)1.0885%5,025
Efficiency ratio64.9651%5,171
Assets per employee ($millions)2.6056%6,849
Cash dividends to net income (ytd only)*7.0221%3,829
Condition Ratios (%)
Loss allowance to loans1.7883%2,901
Loan loss allowance to noncurrent loans115.0541%2,528
Noncurrent assets plus other real estate owned to assets1.5085%4,054
Noncurrent loans to loans1.5543%4,170
Net loans and leases to total assets66.6113%3,329
Net loans and leases to deposits73.6480%4,252
Net loans and leases to core deposits77.1691%4,569
Total domestic deposits to total assets90.4456%863
Equity capital to assets9.3038%4,684
Core capital (leverage) ratio9.0603%4,438
Tier 1 risk-based capital ratio13.4963%4,207
Total risk-based capital ratio14.7532%4,174
Memoranda:
Average total assets$288,889,2002,221
Average earning assets$269,518,4002,183
Average equity$26,726,0002,394
Average total loans$185,466,8002,294
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9095%5,218
Cost of funding earning assets1.1552%5,117
Net interest margin3.7543%4,176
Noninterest income to average assets1.1214%1,113
Noninterest expense to average assets3.0848%3,400
Loan and lease loss provision to assets1.3850%977
Net operating income to assets0.1874%5,544
Return on assets (ROA)0.2442%5,528
Pretax return on assets0.2087%5,710
Return on Equity (ROE)2.6436%5,369
Retained earnings to average equity (ytd only)2.3737%4,748
Net charge-offs to loans2.4333%703
Credit loss provision to net charge-offs89.9281%4,770
Earnings coverage of net charge-offs (x)0.9979%5,064
Efficiency ratio66.7466%4,705
Assets per employee ($millions)2.6035%6,932
Cash dividends to net income (ytd only)*10.2081%3,318
Condition Ratios (%)
Loss allowance to loans1.7475%3,003
Loan loss allowance to noncurrent loans90.4022%3,039
Noncurrent assets plus other real estate owned to assets1.8507%3,680
Noncurrent loans to loans1.9330%3,768
Net loans and leases to total assets63.9840%4,133
Net loans and leases to deposits71.3468%4,935
Net loans and leases to core deposits74.6462%5,209
Total domestic deposits to total assets89.6803%1,026
Equity capital to assets9.6737%4,579
Core capital (leverage) ratio8.9124%4,829
Tier 1 risk-based capital ratio13.7097%4,047
Total risk-based capital ratio14.9657%4,000
Memoranda:
Average total assets$288,804,7502,251
Average earning assets$269,268,5002,218
Average equity$26,680,2502,442
Average total loans$182,792,0002,361
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8730%5,515
Cost of funding earning assets1.1951%5,156
Net interest margin3.6780%4,462
Noninterest income to average assets1.1298%1,029
Noninterest expense to average assets3.0013%3,705
Loan and lease loss provision to assets1.4502%918
Net operating income to assets0.1554%5,702
Return on assets (ROA)0.2362%5,573
Pretax return on assets0.1851%5,803
Return on Equity (ROE)2.5969%5,416
Retained earnings to average equity (ytd only)2.1869%4,755
Net charge-offs to loans1.1886%1,599
Credit loss provision to net charge-offs194.6247%2,027
Earnings coverage of net charge-offs (x)2.0862%3,987
Efficiency ratio65.8784%5,002
Assets per employee ($millions)2.5575%7,029
Cash dividends to net income (ytd only)*15.7895%3,021
Condition Ratios (%)
Loss allowance to loans2.5440%1,245
Loan loss allowance to noncurrent loans72.1294%3,749
Noncurrent assets plus other real estate owned to assets2.9153%2,467
Noncurrent loans to loans3.5270%2,239
Net loans and leases to total assets62.3040%4,624
Net loans and leases to deposits69.1183%5,403
Net loans and leases to core deposits73.4807%5,500
Total domestic deposits to total assets90.1410%847
Equity capital to assets9.4035%4,859
Core capital (leverage) ratio8.8700%4,801
Tier 1 risk-based capital ratio13.6969%3,944
Total risk-based capital ratio14.9621%3,896
Memoranda:
Average total assets$289,611,6702,270
Average earning assets$269,769,6702,231
Average equity$26,339,0002,467
Average total loans$181,556,3302,408
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8829%5,546
Cost of funding earning assets1.2508%5,109
Net interest margin3.6321%4,569
Noninterest income to average assets1.1092%1,026
Noninterest expense to average assets2.8994%4,065
Loan and lease loss provision to assets1.4360%824
Net operating income to assets0.2120%5,637
Return on assets (ROA)0.2612%5,571
Pretax return on assets0.2106%5,849
Return on Equity (ROE)2.9204%5,372
Retained earnings to average equity (ytd only)2.0947%4,878
Net charge-offs to loans0.9538%1,704
Credit loss provision to net charge-offs242.4942%1,583
Earnings coverage of net charge-offs (x)2.6975%3,189
Efficiency ratio64.4769%5,396
Assets per employee ($millions)2.6932%6,874
Cash dividends to net income (ytd only)*28.2723%2,058
Condition Ratios (%)
Loss allowance to loans2.3074%1,567
Loan loss allowance to noncurrent loans65.4749%4,088
Noncurrent assets plus other real estate owned to assets2.6225%2,777
Noncurrent loans to loans3.5241%2,262
Net loans and leases to total assets61.3104%4,895
Net loans and leases to deposits67.6596%5,633
Net loans and leases to core deposits72.5424%5,652
Total domestic deposits to total assets90.6160%686
Equity capital to assets9.0492%5,210
Core capital (leverage) ratio8.6906%5,037
Tier 1 risk-based capital ratio13.6003%3,927
Total risk-based capital ratio14.8630%3,880
Memoranda:
Average total assets$292,475,5002,297
Average earning assets$272,790,0002,265
Average equity$26,161,0002,505
Average total loans$181,590,5002,470
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3801%4,785
Cost of funding earning assets1.5294%5,380
Net interest margin3.8507%3,481
Noninterest income to average assets1.3627%792
Noninterest expense to average assets3.3221%2,941
Loan and lease loss provision to assets1.8982%1,175
Net operating income to assets-0.2161%5,857
Return on assets (ROA)0.1898%5,003
Pretax return on assets0.0748%5,268
Return on Equity (ROE)1.9532%4,928
Retained earnings to average equity (ytd only)0.5334%4,609
Net charge-offs to loans2.2738%1,030
Credit loss provision to net charge-offs127.8269%4,044
Earnings coverage of net charge-offs (x)1.0553%5,059
Efficiency ratio67.9483%5,015
Assets per employee ($millions)2.7230%6,809
Cash dividends to net income (ytd only)*72.6923%1,451
Condition Ratios (%)
Loss allowance to loans1.9902%2,056
Loan loss allowance to noncurrent loans61.3272%4,341
Noncurrent assets plus other real estate owned to assets2.5272%2,769
Noncurrent loans to loans3.2452%2,353
Net loans and leases to total assets60.2013%5,306
Net loans and leases to deposits66.2512%6,017
Net loans and leases to core deposits80.5345%6,037
Total domestic deposits to total assets90.8683%584
Equity capital to assets8.8413%5,366
Core capital (leverage) ratio8.8579%4,666
Tier 1 risk-based capital ratio13.9540%3,529
Total risk-based capital ratio15.2139%3,477
Memoranda:
Average total assets$273,950,0002,389
Average earning assets$250,887,6002,393
Average equity$26,623,6002,481
Average total loans$178,904,2002,529
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4873%4,484
Cost of funding earning assets1.5783%5,500
Net interest margin3.9090%3,209
Noninterest income to average assets1.3416%853
Noninterest expense to average assets3.5510%2,143
Loan and lease loss provision to assets1.2395%1,564
Net operating income to assets0.1069%5,443
Return on assets (ROA)0.4760%4,189
Pretax return on assets0.5062%4,505
Return on Equity (ROE)4.7797%4,056
Retained earnings to average equity (ytd only)3.1666%3,544
Net charge-offs to loans1.3888%1,484
Credit loss provision to net charge-offs134.4809%3,700
Earnings coverage of net charge-offs (x)1.4680%4,688
Efficiency ratio72.4093%4,172
Assets per employee ($millions)2.5624%7,124
Cash dividends to net income (ytd only)*33.7500%2,725
Condition Ratios (%)
Loss allowance to loans1.7078%2,597
Loan loss allowance to noncurrent loans38.7109%5,782
Noncurrent assets plus other real estate owned to assets3.6237%1,818
Noncurrent loans to loans4.4116%1,597
Net loans and leases to total assets63.9856%4,875
Net loans and leases to deposits71.6301%5,711
Net loans and leases to core deposits86.2196%5,842
Total domestic deposits to total assets89.3278%1,047
Equity capital to assets9.7670%4,398
Core capital (leverage) ratio9.3455%4,122
Tier 1 risk-based capital ratio14.0488%3,520
Total risk-based capital ratio15.3057%3,464
Memoranda:
Average total assets$268,916,2502,442
Average earning assets$245,069,2502,467
Average equity$26,779,2502,487
Average total loans$178,470,7502,560
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6011%4,073
Cost of funding earning assets1.5703%5,839
Net interest margin4.0307%2,576
Noninterest income to average assets1.3418%848
Noninterest expense to average assets3.3723%2,714
Loan and lease loss provision to assets1.4315%1,217
Net operating income to assets0.2117%5,224
Return on assets (ROA)0.3805%4,686
Pretax return on assets0.3541%5,060
Return on Equity (ROE)3.7952%4,580
Retained earnings to average equity (ytd only)2.1719%4,139
Net charge-offs to loans1.6814%1,129
Credit loss provision to net charge-offs127.4313%3,654
Earnings coverage of net charge-offs (x)1.4393%4,450
Efficiency ratio67.5929%5,230
Assets per employee ($millions)2.4198%7,397
Cash dividends to net income (ytd only)*42.7723%2,315
Condition Ratios (%)
Loss allowance to loans1.6042%2,719
Loan loss allowance to noncurrent loans43.8005%5,449
Noncurrent assets plus other real estate owned to assets3.2005%1,956
Noncurrent loans to loans3.6626%1,898
Net loans and leases to total assets63.8563%5,014
Net loans and leases to deposits71.2116%5,848
Net loans and leases to core deposits86.4335%5,857
Total domestic deposits to total assets89.6712%970
Equity capital to assets9.6781%4,384
Core capital (leverage) ratio9.4882%3,905
Tier 1 risk-based capital ratio14.4225%3,293
Total risk-based capital ratio15.7794%3,167
Memoranda:
Average total assets$265,456,0002,484
Average earning assets$240,204,6702,520
Average equity$26,612,6702,512
Average total loans$177,356,0002,612
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5383%4,706
Cost of funding earning assets1.5212%6,341
Net interest margin4.0171%2,579
Noninterest income to average assets1.3556%779
Noninterest expense to average assets3.2860%2,700
Loan and lease loss provision to assets1.2296%1,055
Net operating income to assets0.5010%4,416
Return on assets (ROA)0.5010%4,606
Pretax return on assets0.5333%4,966
Return on Equity (ROE)4.9078%4,510
Retained earnings to average equity (ytd only)3.2819%4,050
Net charge-offs to loans0.1790%3,566
Credit loss provision to net charge-offs1,012.6582%606
Earnings coverage of net charge-offs (x)14.5190%1,664
Efficiency ratio65.0837%5,495
Assets per employee ($millions)2.2790%7,620
Cash dividends to net income (ytd only)*33.1288%2,241
Condition Ratios (%)
Loss allowance to loans1.7377%2,015
Loan loss allowance to noncurrent loans40.3038%5,853
Noncurrent assets plus other real estate owned to assets3.7527%1,409
Noncurrent loans to loans4.3115%1,360
Net loans and leases to total assets68.1052%4,112
Net loans and leases to deposits76.0998%5,210
Net loans and leases to core deposits91.1927%5,445
Total domestic deposits to total assets89.4946%1,013
Equity capital to assets10.0988%3,883
Core capital (leverage) ratio9.8919%3,527
Tier 1 risk-based capital ratio15.1193%3,005
Total risk-based capital ratio16.4541%2,929
Memoranda:
Average total assets$260,254,0002,546
Average earning assets$239,278,5002,540
Average equity$26,570,0002,522
Average total loans$176,521,0002,635
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7595%6,561
Cost of funding earning assets1.6258%7,393
Net interest margin4.1336%2,569
Noninterest income to average assets1.3443%796
Noninterest expense to average assets3.2781%3,045
Loan and lease loss provision to assets3.0764%295
Net operating income to assets-0.6183%7,017
Return on assets (ROA)-1.3130%7,337
Pretax return on assets-2.2723%7,527
Return on Equity (ROE)-11.7860%7,413
Retained earnings to average equity (ytd only)-15.1207%7,466
Net charge-offs to loans4.2109%148
Credit loss provision to net charge-offs105.4796%5,079
Earnings coverage of net charge-offs (x)0.6479%5,836
Efficiency ratio63.4342%5,685
Assets per employee ($millions)2.1707%7,752
Cash dividends to net income (ytd only)*-28.2935%7,987
Condition Ratios (%)
Loss allowance to loans1.4505%2,922
Loan loss allowance to noncurrent loans38.4423%6,156
Noncurrent assets plus other real estate owned to assets3.1573%1,449
Noncurrent loans to loans3.7731%1,320
Net loans and leases to total assets65.3341%4,983
Net loans and leases to deposits73.3491%5,910
Net loans and leases to core deposits85.9984%6,133
Total domestic deposits to total assets89.0727%1,016
Equity capital to assets10.3233%3,689
Core capital (leverage) ratio10.1975%3,271
Tier 1 risk-based capital ratio14.6343%3,237
Total risk-based capital ratio16.0267%3,085
Memoranda:
Average total assets$258,415,4002,477
Average earning assets$239,015,4002,462
Average equity$28,788,4002,351
Average total loans$178,988,2002,511