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Main Street Bank Corp., Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9864%1,388
Cost of funding earning assets0.5800%603
Net interest margin3.4064%2,004
Noninterest income to average assets0.0883%4,645
Noninterest expense to average assets1.9135%3,896
Loan and lease loss provision to assets0.1083%1,167
Net operating income to assets0.9948%2,696
Return on assets (ROA)0.9939%2,764
Pretax return on assets1.3080%2,331
Return on Equity (ROE)10.8939%2,201
Retained earnings to average equity (ytd only)8.1442%1,480
Net charge-offs to loans0.0942%892
Credit loss provision to net charge-offs159.5745%1,455
Earnings coverage of net charge-offs (x)20.8856%1,840
Efficiency ratio57.4478%3,530
Assets per employee ($millions)7.4922%1,624
Cash dividends to net income (ytd only)*25.2406%2,777
Condition Ratios (%)
Loss allowance to loans1.5449%1,409
Loan loss allowance to noncurrent loans63.2177%3,770
Noncurrent assets plus other real estate owned to assets1.6244%247
Noncurrent loans to loans2.4438%277
Net loans and leases to total assets65.4449%1,538
Net loans and leases to deposits75.9827%1,571
Net loans and leases to core deposits85.2365%1,245
Total domestic deposits to total assets86.1314%2,856
Equity capital to assets8.6344%3,953
Core capital (leverage) ratio9.1249%3,257
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$554,052,8001,561
Average earning assets$527,423,4001,524
Average equity$50,551,4001,749
Average total loans$399,223,4001,376
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0716%1,368
Cost of funding earning assets0.6023%634
Net interest margin3.4693%1,957
Noninterest income to average assets0.0846%4,725
Noninterest expense to average assets1.9697%3,764
Loan and lease loss provision to assets0.1109%1,090
Net operating income to assets0.9945%2,934
Return on assets (ROA)0.9945%3,006
Pretax return on assets1.3068%2,608
Return on Equity (ROE)10.7378%2,466
Retained earnings to average equity (ytd only)7.0379%2,404
Net charge-offs to loans-0.0044%3,391
Credit loss provision to net charge-offs-3,461.5385%4,091
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1472%3,239
Assets per employee ($millions)7.8498%1,340
Cash dividends to net income (ytd only)*34.4571%1,874
Condition Ratios (%)
Loss allowance to loans1.6231%1,278
Loan loss allowance to noncurrent loans67.5117%3,761
Noncurrent assets plus other real estate owned to assets1.6959%259
Noncurrent loans to loans2.4041%322
Net loans and leases to total assets69.3957%1,149
Net loans and leases to deposits80.6549%1,227
Net loans and leases to core deposits91.5016%946
Total domestic deposits to total assets86.0402%2,732
Equity capital to assets9.1110%3,731
Core capital (leverage) ratio9.1846%3,349
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$540,849,5001,604
Average earning assets$514,905,0001,570
Average equity$50,089,5001,776
Average total loans$398,180,5001,412
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0131%1,539
Cost of funding earning assets0.6205%671
Net interest margin3.3925%2,161
Noninterest income to average assets0.0882%4,737
Noninterest expense to average assets1.9680%3,790
Loan and lease loss provision to assets0.1126%1,123
Net operating income to assets0.9408%3,088
Return on assets (ROA)0.9408%3,170
Pretax return on assets1.2363%2,814
Return on Equity (ROE)10.1005%2,708
Retained earnings to average equity (ytd only)4.4981%3,363
Net charge-offs to loans0.0317%1,336
Credit loss provision to net charge-offs476.1905%697
Earnings coverage of net charge-offs (x)57.0317%993
Efficiency ratio59.3322%3,109
Assets per employee ($millions)7.6993%1,362
Cash dividends to net income (ytd only)*55.4669%1,068
Condition Ratios (%)
Loss allowance to loans1.5447%1,438
Loan loss allowance to noncurrent loans64.9709%3,778
Noncurrent assets plus other real estate owned to assets1.7419%277
Noncurrent loans to loans2.3776%361
Net loans and leases to total assets71.8008%996
Net loans and leases to deposits83.3430%1,105
Net loans and leases to core deposits95.1726%846
Total domestic deposits to total assets86.1510%2,685
Equity capital to assets8.9979%3,801
Core capital (leverage) ratio9.1876%3,231
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$532,736,6671,616
Average earning assets$506,995,3331,588
Average equity$49,621,3331,780
Average total loans$398,011,6671,416
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0709%1,452
Cost of funding earning assets0.6482%704
Net interest margin3.4228%2,047
Noninterest income to average assets0.0989%4,691
Noninterest expense to average assets2.0148%3,675
Loan and lease loss provision to assets0.1150%1,196
Net operating income to assets0.9314%3,046
Return on assets (ROA)0.9350%3,103
Pretax return on assets1.2316%2,757
Return on Equity (ROE)9.8602%2,746
Retained earnings to average equity (ytd only)9.8602%1,696
Net charge-offs to loans0.0253%1,247
Credit loss provision to net charge-offs600.0000%549
Earnings coverage of net charge-offs (x)70.0400%756
Efficiency ratio60.0228%3,030
Assets per employee ($millions)7.4073%1,512
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.5510%1,415
Loan loss allowance to noncurrent loans63.4164%3,803
Noncurrent assets plus other real estate owned to assets1.8313%301
Noncurrent loans to loans2.4458%384
Net loans and leases to total assets72.9916%898
Net loans and leases to deposits85.6020%986
Net loans and leases to core deposits98.7026%767
Total domestic deposits to total assets85.2685%3,006
Equity capital to assets9.3599%3,318
Core capital (leverage) ratio9.7856%2,732
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$521,930,0001,630
Average earning assets$496,791,0001,599
Average equity$49,492,0001,778
Average total loans$394,881,0001,432
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4639%1,401
Cost of funding earning assets0.9195%807
Net interest margin3.5444%2,328
Noninterest income to average assets0.0887%4,774
Noninterest expense to average assets2.1577%3,794
Loan and lease loss provision to assets0.1204%2,860
Net operating income to assets0.9071%2,662
Return on assets (ROA)0.9075%2,796
Pretax return on assets1.1913%2,351
Return on Equity (ROE)9.5423%2,185
Retained earnings to average equity (ytd only)6.3763%1,640
Net charge-offs to loans-0.0537%4,683
Credit loss provision to net charge-offs-289.8551%3,847
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.1998%3,089
Assets per employee ($millions)7.0908%1,522
Cash dividends to net income (ytd only)*33.1785%2,699
Condition Ratios (%)
Loss allowance to loans1.5235%1,501
Loan loss allowance to noncurrent loans70.0315%3,742
Noncurrent assets plus other real estate owned to assets1.6990%389
Noncurrent loans to loans2.1755%502
Net loans and leases to total assets76.0651%783
Net loans and leases to deposits89.8799%935
Net loans and leases to core deposits105.7652%650
Total domestic deposits to total assets84.6296%2,905
Equity capital to assets9.6105%3,500
Core capital (leverage) ratio9.6224%2,990
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$498,205,2001,557
Average earning assets$475,140,8001,521
Average equity$47,378,4001,780
Average total loans$385,191,4001,408
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5106%1,543
Cost of funding earning assets0.9759%832
Net interest margin3.5346%2,476
Noninterest income to average assets0.0627%4,869
Noninterest expense to average assets2.1974%3,685
Loan and lease loss provision to assets0.1212%2,817
Net operating income to assets0.8533%2,895
Return on assets (ROA)0.8550%3,017
Pretax return on assets1.1170%2,687
Return on Equity (ROE)9.0152%2,390
Retained earnings to average equity (ytd only)4.7560%2,666
Net charge-offs to loans-0.0742%4,768
Credit loss provision to net charge-offs-211.2676%3,656
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0000%2,732
Assets per employee ($millions)6.8219%1,610
Cash dividends to net income (ytd only)*47.2441%1,608
Condition Ratios (%)
Loss allowance to loans1.4929%1,403
Loan loss allowance to noncurrent loans85.1336%3,485
Noncurrent assets plus other real estate owned to assets1.4266%626
Noncurrent loans to loans1.7536%767
Net loans and leases to total assets75.6241%1,142
Net loans and leases to deposits89.0486%1,364
Net loans and leases to core deposits104.5650%898
Total domestic deposits to total assets84.9246%2,476
Equity capital to assets9.3511%3,820
Core capital (leverage) ratio9.2514%3,510
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$495,123,0001,543
Average earning assets$472,153,7501,510
Average equity$46,956,7501,779
Average total loans$382,902,7501,409
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5938%1,654
Cost of funding earning assets1.0222%921
Net interest margin3.5716%2,572
Noninterest income to average assets0.0535%4,904
Noninterest expense to average assets2.2070%3,760
Loan and lease loss provision to assets0.1225%2,806
Net operating income to assets0.8680%2,813
Return on assets (ROA)0.8664%2,936
Pretax return on assets1.1303%2,619
Return on Equity (ROE)9.0911%2,324
Retained earnings to average equity (ytd only)2.6618%3,521
Net charge-offs to loans-0.0037%3,925
Credit loss provision to net charge-offs-4,285.7143%4,070
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.7522%2,856
Assets per employee ($millions)6.9686%1,451
Cash dividends to net income (ytd only)*70.7214%920
Condition Ratios (%)
Loss allowance to loans1.4366%1,461
Loan loss allowance to noncurrent loans81.3710%3,498
Noncurrent assets plus other real estate owned to assets1.3507%744
Noncurrent loans to loans1.7655%801
Net loans and leases to total assets73.2831%1,511
Net loans and leases to deposits87.8491%1,575
Net loans and leases to core deposits104.6205%964
Total domestic deposits to total assets83.4193%2,955
Equity capital to assets9.0784%4,012
Core capital (leverage) ratio9.3195%3,556
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$489,617,0001,530
Average earning assets$467,243,0001,491
Average equity$46,661,0001,776
Average total loans$379,607,6671,396
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8300%1,348
Cost of funding earning assets1.0952%1,060
Net interest margin3.7347%2,201
Noninterest income to average assets0.0353%4,997
Noninterest expense to average assets2.2955%3,781
Loan and lease loss provision to assets0.1259%2,132
Net operating income to assets0.8572%2,674
Return on assets (ROA)0.7159%3,302
Pretax return on assets0.9954%2,857
Return on Equity (ROE)7.3244%2,816
Retained earnings to average equity (ytd only)7.3244%1,437
Net charge-offs to loans0.0042%2,426
Credit loss provision to net charge-offs3,750.0000%212
Earnings coverage of net charge-offs (x)387.2500%177
Efficiency ratio63.8422%3,256
Assets per employee ($millions)6.3243%1,446
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.4249%1,610
Loan loss allowance to noncurrent loans81.3232%3,544
Noncurrent assets plus other real estate owned to assets1.4125%787
Noncurrent loans to loans1.7522%861
Net loans and leases to total assets76.9586%1,140
Net loans and leases to deposits93.3072%1,147
Net loans and leases to core deposits112.8864%715
Total domestic deposits to total assets82.4787%3,269
Equity capital to assets9.7840%3,970
Core capital (leverage) ratio9.9593%3,509
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$476,587,0001,515
Average earning assets$454,328,5001,483
Average equity$46,584,0001,774
Average total loans$377,705,5001,361
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0991%1,217
Cost of funding earning assets1.0710%1,432
Net interest margin4.0281%1,760
Noninterest income to average assets0.0781%4,977
Noninterest expense to average assets2.2574%4,051
Loan and lease loss provision to assets0.1479%1,448
Net operating income to assets1.1498%2,256
Return on assets (ROA)1.1498%2,355
Pretax return on assets1.5102%1,778
Return on Equity (ROE)12.0099%1,509
Retained earnings to average equity (ytd only)9.1601%674
Net charge-offs to loans0.2300%887
Credit loss provision to net charge-offs77.3090%2,831
Earnings coverage of net charge-offs (x)8.6682%2,745
Efficiency ratio57.6537%4,017
Assets per employee ($millions)6.3856%1,363
Cash dividends to net income (ytd only)*23.7291%3,346
Condition Ratios (%)
Loss allowance to loans1.3681%1,636
Loan loss allowance to noncurrent loans69.8590%3,767
Noncurrent assets plus other real estate owned to assets1.6939%547
Noncurrent loans to loans1.9583%661
Net loans and leases to total assets79.3529%882
Net loans and leases to deposits97.3806%809
Net loans and leases to core deposits118.2272%533
Total domestic deposits to total assets81.4874%3,647
Equity capital to assets9.7649%4,137
Core capital (leverage) ratio9.9655%3,558
Tier 1 risk-based capital ratio13.8072%3,360
Total risk-based capital ratio15.0608%3,269
Memoranda:
Average total assets$458,497,4001,521
Average earning assets$436,784,0001,488
Average equity$43,897,0001,796
Average total loans$381,303,0001,321
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0784%1,332
Cost of funding earning assets1.0580%1,510
Net interest margin4.0204%1,868
Noninterest income to average assets0.0715%5,069
Noninterest expense to average assets2.2828%3,996
Loan and lease loss provision to assets0.1978%892
Net operating income to assets1.0784%2,657
Return on assets (ROA)1.0784%2,748
Pretax return on assets1.4192%2,236
Return on Equity (ROE)11.3222%1,886
Retained earnings to average equity (ytd only)7.4733%1,638
Net charge-offs to loans0.1978%878
Credit loss provision to net charge-offs119.2580%1,963
Earnings coverage of net charge-offs (x)9.7491%2,548
Efficiency ratio58.5362%3,858
Assets per employee ($millions)6.0751%1,553
Cash dividends to net income (ytd only)*33.9946%2,429
Condition Ratios (%)
Loss allowance to loans1.4458%1,408
Loan loss allowance to noncurrent loans69.9733%3,826
Noncurrent assets plus other real estate owned to assets1.8517%523
Noncurrent loans to loans2.0662%642
Net loans and leases to total assets82.4197%514
Net loans and leases to deposits100.6966%587
Net loans and leases to core deposits123.2460%432
Total domestic deposits to total assets81.8495%3,511
Equity capital to assets9.7777%4,231
Core capital (leverage) ratio9.6679%4,002
Tier 1 risk-based capital ratio13.4713%3,585
Total risk-based capital ratio14.7263%3,493
Memoranda:
Average total assets$454,989,0001,548
Average earning assets$433,247,5001,509
Average equity$43,335,7501,816
Average total loans$381,586,7501,329
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0745%1,288
Cost of funding earning assets1.0192%1,606
Net interest margin4.0552%1,742
Noninterest income to average assets0.0616%5,132
Noninterest expense to average assets2.2970%4,009
Loan and lease loss provision to assets0.1979%869
Net operating income to assets1.0889%2,567
Return on assets (ROA)1.0889%2,633
Pretax return on assets1.4284%2,109
Return on Equity (ROE)11.5348%1,763
Retained earnings to average equity (ytd only)5.7068%2,414
Net charge-offs to loans0.2038%814
Credit loss provision to net charge-offs115.6812%1,799
Earnings coverage of net charge-offs (x)9.5064%2,335
Efficiency ratio58.5472%3,929
Assets per employee ($millions)6.4325%1,276
Cash dividends to net income (ytd only)*50.5250%1,763
Condition Ratios (%)
Loss allowance to loans1.4308%1,489
Loan loss allowance to noncurrent loans68.7437%3,863
Noncurrent assets plus other real estate owned to assets1.8533%529
Noncurrent loans to loans2.0813%670
Net loans and leases to total assets82.3748%551
Net loans and leases to deposits101.0670%605
Net loans and leases to core deposits125.3920%406
Total domestic deposits to total assets81.5052%3,666
Equity capital to assets9.4909%4,413
Core capital (leverage) ratio9.6231%4,007
Tier 1 risk-based capital ratio13.0534%3,811
Total risk-based capital ratio14.3080%3,711
Memoranda:
Average total assets$454,775,6701,551
Average earning assets$433,069,6701,517
Average equity$42,931,0001,833
Average total loans$381,770,0001,328
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9923%1,352
Cost of funding earning assets0.9724%1,691
Net interest margin4.0199%1,794
Noninterest income to average assets0.0414%5,232
Noninterest expense to average assets2.2767%4,084
Loan and lease loss provision to assets0.1983%815
Net operating income to assets1.0612%2,614
Return on assets (ROA)1.0612%2,663
Pretax return on assets1.3962%2,098
Return on Equity (ROE)11.2725%1,834
Retained earnings to average equity (ytd only)11.2725%752
Net charge-offs to loans0.1729%792
Credit loss provision to net charge-offs136.3636%1,315
Earnings coverage of net charge-offs (x)10.9636%1,933
Efficiency ratio58.8115%3,975
Assets per employee ($millions)6.8819%1,049
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.4278%1,581
Loan loss allowance to noncurrent loans62.9540%4,016
Noncurrent assets plus other real estate owned to assets2.0240%480
Noncurrent loans to loans2.2680%617
Net loans and leases to total assets82.9903%469
Net loans and leases to deposits100.7433%577
Net loans and leases to core deposits125.1178%402
Total domestic deposits to total assets82.3780%3,622
Equity capital to assets9.5386%4,222
Core capital (leverage) ratio9.6626%3,955
Tier 1 risk-based capital ratio13.0536%3,850
Total risk-based capital ratio14.3083%3,757
Memoranda:
Average total assets$453,808,0001,565
Average earning assets$432,346,0001,527
Average equity$42,723,5001,828
Average total loans$381,817,0001,338
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9553%1,144
Cost of funding earning assets0.7671%1,703
Net interest margin4.1882%1,421
Noninterest income to average assets0.0589%5,248
Noninterest expense to average assets2.1655%4,413
Loan and lease loss provision to assets0.2776%603
Net operating income to assets1.2237%2,070
Return on assets (ROA)1.2237%2,063
Pretax return on assets1.6117%1,429
Return on Equity (ROE)13.7358%1,118
Retained earnings to average equity (ytd only)11.3485%389
Net charge-offs to loans0.1189%1,552
Credit loss provision to net charge-offs278.0269%1,089
Earnings coverage of net charge-offs (x)18.9215%2,099
Efficiency ratio53.4066%4,670
Assets per employee ($millions)6.7673%1,085
Cash dividends to net income (ytd only)*17.3802%3,579
Condition Ratios (%)
Loss allowance to loans1.4165%1,575
Loan loss allowance to noncurrent loans68.2508%3,952
Noncurrent assets plus other real estate owned to assets1.8804%531
Noncurrent loans to loans2.0754%645
Net loans and leases to total assets82.8890%526
Net loans and leases to deposits100.1588%731
Net loans and leases to core deposits125.1521%414
Total domestic deposits to total assets82.7576%3,405
Equity capital to assets9.2900%4,328
Core capital (leverage) ratio9.4604%4,157
Tier 1 risk-based capital ratio12.7568%3,986
Total risk-based capital ratio14.0113%3,866
Memoranda:
Average total assets$446,684,8001,546
Average earning assets$426,169,2001,510
Average equity$39,793,8001,876
Average total loans$375,156,2001,322
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9315%1,090
Cost of funding earning assets0.7397%1,621
Net interest margin4.1919%1,378
Noninterest income to average assets0.0611%5,318
Noninterest expense to average assets2.1180%4,510
Loan and lease loss provision to assets0.3071%472
Net operating income to assets1.2503%2,043
Return on assets (ROA)1.2503%2,050
Pretax return on assets1.6383%1,450
Return on Equity (ROE)14.1893%1,068
Retained earnings to average equity (ytd only)10.9590%658
Net charge-offs to loans0.0442%2,212
Credit loss provision to net charge-offs826.6129%477
Earnings coverage of net charge-offs (x)52.3627%1,142
Efficiency ratio52.1236%4,800
Assets per employee ($millions)7.2660%849
Cash dividends to net income (ytd only)*22.7655%2,888
Condition Ratios (%)
Loss allowance to loans1.4545%1,503
Loan loss allowance to noncurrent loans93.4975%3,583
Noncurrent assets plus other real estate owned to assets1.5030%850
Noncurrent loans to loans1.5557%1,028
Net loans and leases to total assets82.8224%586
Net loans and leases to deposits100.8591%713
Net loans and leases to core deposits125.6821%419
Total domestic deposits to total assets82.1170%3,577
Equity capital to assets9.0632%4,492
Core capital (leverage) ratio9.2530%4,456
Tier 1 risk-based capital ratio12.6483%4,123
Total risk-based capital ratio13.9037%4,008
Memoranda:
Average total assets$445,003,2501,559
Average earning assets$424,874,5001,525
Average equity$39,211,7501,896
Average total loans$373,638,2501,330
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8881%1,047
Cost of funding earning assets0.7208%1,516
Net interest margin4.1673%1,360
Noninterest income to average assets0.1006%5,271
Noninterest expense to average assets2.1102%4,582
Loan and lease loss provision to assets0.3498%375
Net operating income to assets1.2451%2,001
Return on assets (ROA)1.2451%1,998
Pretax return on assets1.6197%1,443
Return on Equity (ROE)14.2685%1,019
Retained earnings to average equity (ytd only)9.3554%1,104
Net charge-offs to loans0.0124%2,723
Credit loss provision to net charge-offs3,369.5652%121
Earnings coverage of net charge-offs (x)189.7391%434
Efficiency ratio51.7257%4,918
Assets per employee ($millions)6.6444%1,103
Cash dividends to net income (ytd only)*34.4328%2,386
Condition Ratios (%)
Loss allowance to loans1.4312%1,637
Loan loss allowance to noncurrent loans85.3321%3,744
Noncurrent assets plus other real estate owned to assets1.6315%777
Noncurrent loans to loans1.6772%953
Net loans and leases to total assets82.8897%594
Net loans and leases to deposits99.1480%873
Net loans and leases to core deposits121.7376%528
Total domestic deposits to total assets83.6020%3,219
Equity capital to assets8.8542%4,679
Core capital (leverage) ratio8.9367%4,741
Tier 1 risk-based capital ratio12.2388%4,349
Total risk-based capital ratio13.4937%4,228
Memoranda:
Average total assets$443,173,0001,572
Average earning assets$423,150,6701,534
Average equity$38,672,6701,919
Average total loans$371,978,6701,333
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7960%1,091
Cost of funding earning assets0.6975%1,463
Net interest margin4.0985%1,442
Noninterest income to average assets0.1294%5,215
Noninterest expense to average assets2.0653%4,732
Loan and lease loss provision to assets0.3619%330
Net operating income to assets1.2493%1,809
Return on assets (ROA)1.2493%1,822
Pretax return on assets1.6148%1,349
Return on Equity (ROE)14.4228%923
Retained earnings to average equity (ytd only)14.4228%372
Net charge-offs to loans0.0076%2,472
Credit loss provision to net charge-offs5,714.2857%58
Earnings coverage of net charge-offs (x)312.1429%217
Efficiency ratio51.0967%5,020
Assets per employee ($millions)6.6051%1,147
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3363%2,075
Loan loss allowance to noncurrent loans62.5735%4,159
Noncurrent assets plus other real estate owned to assets2.0486%543
Noncurrent loans to loans2.1356%720
Net loans and leases to total assets83.4027%497
Net loans and leases to deposits99.8612%718
Net loans and leases to core deposits123.0860%497
Total domestic deposits to total assets83.5187%3,496
Equity capital to assets8.8104%4,731
Core capital (leverage) ratio8.9214%4,774
Tier 1 risk-based capital ratio11.3488%4,954
Total risk-based capital ratio12.6012%4,851
Memoranda:
Average total assets$442,171,0001,585
Average earning assets$422,101,5001,547
Average equity$38,300,5001,942
Average total loans$370,786,0001,341
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7263%1,136
Cost of funding earning assets0.7239%915
Net interest margin4.0024%1,749
Noninterest income to average assets0.1174%5,347
Noninterest expense to average assets1.9085%5,104
Loan and lease loss provision to assets0.3135%540
Net operating income to assets0.9776%2,337
Return on assets (ROA)0.9776%2,378
Pretax return on assets1.7067%988
Return on Equity (ROE)11.4239%1,359
Retained earnings to average equity (ytd only)8.4013%646
Net charge-offs to loans0.2916%899
Credit loss provision to net charge-offs127.4038%2,066
Earnings coverage of net charge-offs (x)8.2087%2,940
Efficiency ratio48.5785%5,282
Assets per employee ($millions)7.0127%964
Cash dividends to net income (ytd only)*26.4585%3,443
Condition Ratios (%)
Loss allowance to loans1.2534%2,450
Loan loss allowance to noncurrent loans43.8876%4,613
Noncurrent assets plus other real estate owned to assets2.5288%371
Noncurrent loans to loans2.8559%404
Net loans and leases to total assets82.1355%666
Net loans and leases to deposits97.9676%907
Net loans and leases to core deposits119.8011%590
Total domestic deposits to total assets83.8395%3,266
Equity capital to assets8.5131%5,114
Core capital (leverage) ratio8.6586%4,988
Tier 1 risk-based capital ratio11.5648%4,811
Total risk-based capital ratio12.8169%4,706
Memoranda:
Average total assets$422,581,8001,627
Average earning assets$402,407,0001,589
Average equity$36,161,0002,012
Average total loans$356,614,4001,358
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7282%1,073
Cost of funding earning assets0.7253%865
Net interest margin4.0029%1,690
Noninterest income to average assets0.1216%5,392
Noninterest expense to average assets1.9407%5,065
Loan and lease loss provision to assets0.2154%870
Net operating income to assets1.1419%1,907
Return on assets (ROA)1.1419%1,958
Pretax return on assets1.7754%938
Return on Equity (ROE)13.3261%981
Retained earnings to average equity (ytd only)9.2553%774
Net charge-offs to loans0.2321%926
Credit loss provision to net charge-offs109.5779%2,146
Earnings coverage of net charge-offs (x)10.1267%2,626
Efficiency ratio49.3628%5,276
Assets per employee ($millions)7.1747%879
Cash dividends to net income (ytd only)*30.5478%2,727
Condition Ratios (%)
Loss allowance to loans1.2226%2,787
Loan loss allowance to noncurrent loans47.7176%4,589
Noncurrent assets plus other real estate owned to assets2.3394%489
Noncurrent loans to loans2.5621%580
Net loans and leases to total assets83.6000%481
Net loans and leases to deposits100.5238%710
Net loans and leases to core deposits124.3029%453
Total domestic deposits to total assets83.1644%3,405
Equity capital to assets8.7540%5,115
Core capital (leverage) ratio8.7935%4,976
Tier 1 risk-based capital ratio11.6155%4,873
Total risk-based capital ratio12.8671%4,764
Memoranda:
Average total assets$417,777,5001,655
Average earning assets$397,634,0001,615
Average equity$35,798,5002,041
Average total loans$353,898,0001,381
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6786%1,095
Cost of funding earning assets0.7181%809
Net interest margin3.9605%1,738
Noninterest income to average assets0.1087%5,488
Noninterest expense to average assets1.9301%5,124
Loan and lease loss provision to assets0.2164%820
Net operating income to assets1.1156%1,903
Return on assets (ROA)1.1156%1,952
Pretax return on assets1.7334%978
Return on Equity (ROE)13.1150%1,008
Retained earnings to average equity (ytd only)6.9363%1,623
Net charge-offs to loans0.1583%1,217
Credit loss provision to net charge-offs161.2903%1,455
Earnings coverage of net charge-offs (x)14.5341%2,065
Efficiency ratio49.7459%5,320
Assets per employee ($millions)6.8786%979
Cash dividends to net income (ytd only)*47.1121%1,989
Condition Ratios (%)
Loss allowance to loans1.2567%2,647
Loan loss allowance to noncurrent loans50.7055%4,565
Noncurrent assets plus other real estate owned to assets2.3210%500
Noncurrent loans to loans2.4784%610
Net loans and leases to total assets84.1176%432
Net loans and leases to deposits100.8731%676
Net loans and leases to core deposits123.8148%442
Total domestic deposits to total assets83.3895%3,432
Equity capital to assets8.5318%5,280
Core capital (leverage) ratio8.6189%5,125
Tier 1 risk-based capital ratio11.7763%4,780
Total risk-based capital ratio13.0289%4,666
Memoranda:
Average total assets$415,935,0001,664
Average earning assets$396,060,3301,626
Average equity$35,379,3302,058
Average total loans$352,443,0001,387
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6278%1,070
Cost of funding earning assets0.7088%808
Net interest margin3.9190%1,711
Noninterest income to average assets0.1092%5,562
Noninterest expense to average assets1.8614%5,290
Loan and lease loss provision to assets0.2173%736
Net operating income to assets1.1504%1,666
Return on assets (ROA)1.1504%1,703
Pretax return on assets1.7638%873
Return on Equity (ROE)13.5458%893
Retained earnings to average equity (ytd only)13.5458%329
Net charge-offs to loans0.0846%1,504
Credit loss provision to net charge-offs304.0541%775
Earnings coverage of net charge-offs (x)27.7162%1,270
Efficiency ratio48.4414%5,450
Assets per employee ($millions)7.1132%895
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.2669%2,705
Loan loss allowance to noncurrent loans50.9804%4,618
Noncurrent assets plus other real estate owned to assets2.3039%529
Noncurrent loans to loans2.4851%628
Net loans and leases to total assets83.0413%456
Net loans and leases to deposits99.6153%638
Net loans and leases to core deposits106.6841%1,050
Total domestic deposits to total assets83.3620%3,714
Equity capital to assets8.5215%5,224
Core capital (leverage) ratio8.6484%5,105
Tier 1 risk-based capital ratio11.8555%4,807
Total risk-based capital ratio13.1085%4,716
Memoranda:
Average total assets$414,104,5001,679
Average earning assets$394,486,5001,639
Average equity$35,169,5002,075
Average total loans$349,941,5001,400
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8662%784
Cost of funding earning assets0.7028%798
Net interest margin4.1633%1,203
Noninterest income to average assets0.0851%5,681
Noninterest expense to average assets2.0151%5,160
Loan and lease loss provision to assets0.2063%1,103
Net operating income to assets1.1769%1,582
Return on assets (ROA)1.1769%1,682
Pretax return on assets1.8344%728
Return on Equity (ROE)13.9500%783
Retained earnings to average equity (ytd only)10.8208%325
Net charge-offs to loans0.1464%1,801
Credit loss provision to net charge-offs166.6667%1,656
Earnings coverage of net charge-offs (x)16.4896%2,104
Efficiency ratio49.6853%5,502
Assets per employee ($millions)7.4278%756
Cash dividends to net income (ytd only)*22.4315%3,639
Condition Ratios (%)
Loss allowance to loans1.2456%2,850
Loan loss allowance to noncurrent loans78.7498%4,029
Noncurrent assets plus other real estate owned to assets1.6062%993
Noncurrent loans to loans1.5817%1,247
Net loans and leases to total assets83.8575%393
Net loans and leases to deposits100.7336%626
Net loans and leases to core deposits120.5294%472
Total domestic deposits to total assets83.2468%3,677
Equity capital to assets8.4635%5,298
Core capital (leverage) ratio8.5172%5,241
Tier 1 risk-based capital ratio11.8576%4,816
Total risk-based capital ratio13.1104%4,715
Memoranda:
Average total assets$387,874,4001,730
Average earning assets$369,922,8001,681
Average equity$32,724,0002,193
Average total loans$327,928,2001,419
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8499%809
Cost of funding earning assets0.6983%823
Net interest margin4.1516%1,246
Noninterest income to average assets0.0944%5,730
Noninterest expense to average assets2.0506%5,107
Loan and lease loss provision to assets0.1568%1,481
Net operating income to assets1.1869%1,682
Return on assets (ROA)1.1869%1,782
Pretax return on assets1.8475%809
Return on Equity (ROE)14.0806%810
Retained earnings to average equity (ytd only)9.8486%601
Net charge-offs to loans0.0116%3,533
Credit loss provision to net charge-offs1,607.1429%291
Earnings coverage of net charge-offs (x)205.4774%362
Efficiency ratio50.5714%5,464
Assets per employee ($millions)6.9002%925
Cash dividends to net income (ytd only)*30.0558%2,832
Condition Ratios (%)
Loss allowance to loans1.3104%2,632
Loan loss allowance to noncurrent loans71.7903%4,224
Noncurrent assets plus other real estate owned to assets1.7518%955
Noncurrent loans to loans1.8253%1,122
Net loans and leases to total assets83.2329%487
Net loans and leases to deposits99.7607%716
Net loans and leases to core deposits119.9447%506
Total domestic deposits to total assets83.4325%3,435
Equity capital to assets8.3496%5,608
Core capital (leverage) ratio8.5262%5,345
Tier 1 risk-based capital ratio11.8436%4,889
Total risk-based capital ratio13.0976%4,783
Memoranda:
Average total assets$382,710,5001,749
Average earning assets$365,083,7501,708
Average equity$32,261,0002,233
Average total loans$323,184,2501,438
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8349%821
Cost of funding earning assets0.6943%828
Net interest margin4.1405%1,255
Noninterest income to average assets0.1337%5,644
Noninterest expense to average assets2.0516%5,165
Loan and lease loss provision to assets0.1592%1,428
Net operating income to assets1.2200%1,534
Return on assets (ROA)1.2200%1,631
Pretax return on assets1.8754%733
Return on Equity (ROE)14.4246%764
Retained earnings to average equity (ytd only)8.3197%1,065
Net charge-offs to loans-0.0063%4,579
Credit loss provision to net charge-offs-3,000.0000%5,255
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio50.2078%5,547
Assets per employee ($millions)6.4043%1,129
Cash dividends to net income (ytd only)*42.3227%2,315
Condition Ratios (%)
Loss allowance to loans1.3203%2,675
Loan loss allowance to noncurrent loans61.7976%4,535
Noncurrent assets plus other real estate owned to assets1.9557%843
Noncurrent loans to loans2.1364%904
Net loans and leases to total assets83.8550%429
Net loans and leases to deposits99.2292%760
Net loans and leases to core deposits119.7142%519
Total domestic deposits to total assets84.5064%3,088
Equity capital to assets8.4212%5,641
Core capital (leverage) ratio8.4994%5,368
Tier 1 risk-based capital ratio11.7926%4,977
Total risk-based capital ratio13.0466%4,854
Memoranda:
Average total assets$376,876,6701,779
Average earning assets$359,762,6701,730
Average equity$31,876,0002,251
Average total loans$318,402,0001,459
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8751%725
Cost of funding earning assets0.6811%889
Net interest margin4.1940%1,109
Noninterest income to average assets0.1297%5,693
Noninterest expense to average assets1.9776%5,386
Loan and lease loss provision to assets0.1608%1,289
Net operating income to assets1.2905%1,279
Return on assets (ROA)1.2905%1,362
Pretax return on assets1.9979%573
Return on Equity (ROE)15.2239%634
Retained earnings to average equity (ytd only)15.2239%233
Net charge-offs to loans-0.0191%4,827
Credit loss provision to net charge-offs-1,000.0000%4,745
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio47.8103%5,733
Assets per employee ($millions)6.3968%1,167
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.2966%2,922
Loan loss allowance to noncurrent loans65.6787%4,430
Noncurrent assets plus other real estate owned to assets1.8095%1,025
Noncurrent loans to loans1.9742%1,093
Net loans and leases to total assets82.6262%490
Net loans and leases to deposits96.9653%851
Net loans and leases to core deposits116.3253%578
Total domestic deposits to total assets85.2121%3,037
Equity capital to assets8.3993%5,638
Core capital (leverage) ratio8.6443%5,243
Tier 1 risk-based capital ratio11.9281%4,957
Total risk-based capital ratio13.1817%4,869
Memoranda:
Average total assets$373,187,0001,801
Average earning assets$356,505,5001,743
Average equity$31,634,5002,268
Average total loans$314,338,5001,468
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8138%903
Cost of funding earning assets0.6347%1,154
Net interest margin4.1791%1,211
Noninterest income to average assets0.1354%5,739
Noninterest expense to average assets2.1530%5,145
Loan and lease loss provision to assets0.1835%1,225
Net operating income to assets1.1589%1,703
Return on assets (ROA)1.1589%1,779
Pretax return on assets1.7756%843
Return on Equity (ROE)13.7768%890
Retained earnings to average equity (ytd only)10.6437%385
Net charge-offs to loans0.0845%2,627
Credit loss provision to net charge-offs263.3745%1,097
Earnings coverage of net charge-offs (x)28.1111%1,519
Efficiency ratio52.3574%5,616
Assets per employee ($millions)6.0428%1,357
Cash dividends to net income (ytd only)*22.7419%3,676
Condition Ratios (%)
Loss allowance to loans1.3016%2,891
Loan loss allowance to noncurrent loans81.1727%4,120
Noncurrent assets plus other real estate owned to assets1.5255%1,320
Noncurrent loans to loans1.6035%1,432
Net loans and leases to total assets83.6769%419
Net loans and leases to deposits102.4181%522
Net loans and leases to core deposits115.9836%599
Total domestic deposits to total assets81.7013%4,264
Equity capital to assets8.5590%5,508
Core capital (leverage) ratio8.6949%5,224
Tier 1 risk-based capital ratio12.0511%4,917
Total risk-based capital ratio13.3050%4,817
Memoranda:
Average total assets$348,680,2001,875
Average earning assets$331,797,6001,826
Average equity$29,332,0002,366
Average total loans$287,509,4001,520
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7459%1,020
Cost of funding earning assets0.6291%1,223
Net interest margin4.1168%1,368
Noninterest income to average assets0.1348%5,809
Noninterest expense to average assets2.1772%5,111
Loan and lease loss provision to assets0.1738%1,223
Net operating income to assets1.0981%2,017
Return on assets (ROA)1.0981%2,099
Pretax return on assets1.6990%1,108
Return on Equity (ROE)13.1130%1,098
Retained earnings to average equity (ytd only)8.8742%947
Net charge-offs to loans0.0651%2,649
Credit loss provision to net charge-offs326.0870%898
Earnings coverage of net charge-offs (x)35.1368%1,356
Efficiency ratio53.7574%5,538
Assets per employee ($millions)5.9267%1,426
Cash dividends to net income (ytd only)*32.3250%2,696
Condition Ratios (%)
Loss allowance to loans1.3386%2,911
Loan loss allowance to noncurrent loans73.3608%4,318
Noncurrent assets plus other real estate owned to assets1.6029%1,385
Noncurrent loans to loans1.8246%1,293
Net loans and leases to total assets82.5449%522
Net loans and leases to deposits101.3561%589
Net loans and leases to core deposits114.2496%659
Total domestic deposits to total assets81.4405%4,352
Equity capital to assets8.5325%5,696
Core capital (leverage) ratio8.6472%5,414
Tier 1 risk-based capital ratio12.1258%5,010
Total risk-based capital ratio13.3800%4,914
Memoranda:
Average total assets$345,208,7501,907
Average earning assets$328,301,2501,861
Average equity$28,907,0002,413
Average total loans$282,540,5001,546
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6975%1,069
Cost of funding earning assets0.6172%1,302
Net interest margin4.0803%1,409
Noninterest income to average assets0.1327%5,892
Noninterest expense to average assets2.1023%5,335
Loan and lease loss provision to assets0.1746%1,191
Net operating income to assets1.1259%1,852
Return on assets (ROA)1.1259%1,939
Pretax return on assets1.7369%1,006
Return on Equity (ROE)13.5327%1,004
Retained earnings to average equity (ytd only)7.4552%1,496
Net charge-offs to loans0.0766%2,293
Credit loss provision to net charge-offs280.3738%967
Earnings coverage of net charge-offs (x)30.7009%1,346
Efficiency ratio52.3775%5,683
Assets per employee ($millions)6.1305%1,258
Cash dividends to net income (ytd only)*44.9096%2,171
Condition Ratios (%)
Loss allowance to loans1.3235%3,118
Loan loss allowance to noncurrent loans78.5640%4,249
Noncurrent assets plus other real estate owned to assets1.5287%1,603
Noncurrent loans to loans1.6846%1,540
Net loans and leases to total assets82.4608%514
Net loans and leases to deposits97.4563%840
Net loans and leases to core deposits112.8387%713
Total domestic deposits to total assets84.6131%3,290
Equity capital to assets8.4412%5,730
Core capital (leverage) ratio8.4900%5,541
Tier 1 risk-based capital ratio12.3633%4,902
Total risk-based capital ratio13.6180%4,798
Memoranda:
Average total assets$343,720,0001,923
Average earning assets$326,940,3301,881
Average equity$28,597,3302,446
Average total loans$279,202,3301,566
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6486%1,127
Cost of funding earning assets0.6060%1,390
Net interest margin4.0426%1,433
Noninterest income to average assets0.1303%5,946
Noninterest expense to average assets2.0807%5,428
Loan and lease loss provision to assets0.1745%1,119
Net operating income to assets1.1479%1,713
Return on assets (ROA)1.1479%1,818
Pretax return on assets1.7236%1,005
Return on Equity (ROE)13.8982%901
Retained earnings to average equity (ytd only)13.8982%368
Net charge-offs to loans-0.0015%4,338
Credit loss provision to net charge-offs-15,000.0000%5,331
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.2947%5,790
Assets per employee ($millions)5.9754%1,419
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.3546%3,123
Loan loss allowance to noncurrent loans87.3459%3,988
Noncurrent assets plus other real estate owned to assets1.3610%1,952
Noncurrent loans to loans1.5508%1,808
Net loans and leases to total assets78.9026%808
Net loans and leases to deposits94.0480%977
Net loans and leases to core deposits107.8846%826
Total domestic deposits to total assets83.8960%3,854
Equity capital to assets8.3391%5,846
Core capital (leverage) ratio8.5041%5,514
Tier 1 risk-based capital ratio12.6953%4,789
Total risk-based capital ratio14.3447%4,476
Memoranda:
Average total assets$343,927,0001,935
Average earning assets$327,413,0001,883
Average equity$28,406,5002,476
Average total loans$275,358,5001,588
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8468%1,018
Cost of funding earning assets0.6402%1,473
Net interest margin4.2066%1,281
Noninterest income to average assets0.1469%5,960
Noninterest expense to average assets2.3096%5,089
Loan and lease loss provision to assets0.1201%2,174
Net operating income to assets1.1210%1,901
Return on assets (ROA)1.1210%1,959
Pretax return on assets1.7220%936
Return on Equity (ROE)13.4344%1,056
Retained earnings to average equity (ytd only)10.8028%398
Net charge-offs to loans-0.0144%5,638
Credit loss provision to net charge-offs-1,027.0270%5,911
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.6317%5,704
Assets per employee ($millions)5.7844%1,537
Cash dividends to net income (ytd only)*19.5885%3,825
Condition Ratios (%)
Loss allowance to loans1.3177%3,329
Loan loss allowance to noncurrent loans94.0992%3,858
Noncurrent assets plus other real estate owned to assets1.2453%2,265
Noncurrent loans to loans1.4003%2,092
Net loans and leases to total assets79.0853%872
Net loans and leases to deposits93.5390%1,125
Net loans and leases to core deposits107.3310%939
Total domestic deposits to total assets84.5479%3,485
Equity capital to assets8.1786%5,974
Core capital (leverage) ratio8.4688%5,584
Tier 1 risk-based capital ratio12.0283%5,346
Total risk-based capital ratio13.2820%5,246
Memoranda:
Average total assets$316,500,2002,054
Average earning assets$301,314,0001,991
Average equity$26,409,8002,535
Average total loans$256,494,8001,655
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8704%992
Cost of funding earning assets0.6483%1,468
Net interest margin4.2221%1,219
Noninterest income to average assets0.1521%6,008
Noninterest expense to average assets2.2459%5,232
Loan and lease loss provision to assets0.1289%1,945
Net operating income to assets1.1640%1,810
Return on assets (ROA)1.1640%1,879
Pretax return on assets1.7926%906
Return on Equity (ROE)13.8737%1,012
Retained earnings to average equity (ytd only)10.3144%627
Net charge-offs to loans-0.0116%5,462
Credit loss provision to net charge-offs-1,363.6364%5,920
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.8922%5,833
Assets per employee ($millions)5.2432%1,967
Cash dividends to net income (ytd only)*25.6551%2,988
Condition Ratios (%)
Loss allowance to loans1.3244%3,527
Loan loss allowance to noncurrent loans111.8228%3,395
Noncurrent assets plus other real estate owned to assets1.1971%2,564
Noncurrent loans to loans1.1844%2,692
Net loans and leases to total assets83.1053%392
Net loans and leases to deposits100.6092%579
Net loans and leases to core deposits110.5497%721
Total domestic deposits to total assets82.6021%4,267
Equity capital to assets8.6052%5,720
Core capital (leverage) ratio8.7018%5,435
Tier 1 risk-based capital ratio12.2630%5,321
Total risk-based capital ratio13.5173%5,243
Memoranda:
Average total assets$310,305,0002,108
Average earning assets$295,107,5002,041
Average equity$26,034,2502,574
Average total loans$252,241,7501,683
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8192%1,041
Cost of funding earning assets0.6464%1,534
Net interest margin4.1728%1,305
Noninterest income to average assets0.1541%6,022
Noninterest expense to average assets2.2255%5,354
Loan and lease loss provision to assets0.1943%1,261
Net operating income to assets1.1169%1,868
Return on assets (ROA)1.1169%1,944
Pretax return on assets1.7010%1,020
Return on Equity (ROE)13.4300%1,066
Retained earnings to average equity (ytd only)8.0191%1,323
Net charge-offs to loans0.0073%4,139
Credit loss provision to net charge-offs3,333.3333%106
Earnings coverage of net charge-offs (x)325.2222%215
Efficiency ratio54.0069%5,911
Assets per employee ($millions)5.4002%1,781
Cash dividends to net income (ytd only)*40.2899%2,386
Condition Ratios (%)
Loss allowance to loans1.3637%3,523
Loan loss allowance to noncurrent loans84.9743%4,026
Noncurrent assets plus other real estate owned to assets1.5483%2,101
Noncurrent loans to loans1.6048%2,163
Net loans and leases to total assets81.7268%490
Net loans and leases to deposits98.0019%665
Net loans and leases to core deposits107.5652%788
Total domestic deposits to total assets83.3931%4,158
Equity capital to assets8.4779%5,818
Core capital (leverage) ratio8.5298%5,604
Tier 1 risk-based capital ratio12.0730%5,501
Total risk-based capital ratio13.3276%5,427
Memoranda:
Average total assets$308,877,0002,111
Average earning assets$293,618,6702,048
Average equity$25,688,6702,593
Average total loans$248,006,0001,707
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7069%1,242
Cost of funding earning assets0.6365%1,676
Net interest margin4.0704%1,544
Noninterest income to average assets0.1642%5,991
Noninterest expense to average assets2.2081%5,441
Loan and lease loss provision to assets0.1939%1,216
Net operating income to assets1.0704%1,927
Return on assets (ROA)1.0704%1,994
Pretax return on assets1.6315%1,106
Return on Equity (ROE)12.9959%1,163
Retained earnings to average equity (ytd only)12.9959%485
Net charge-offs to loans0.0278%3,020
Credit loss provision to net charge-offs882.3529%345
Earnings coverage of net charge-offs (x)83.0588%523
Efficiency ratio54.7436%5,948
Assets per employee ($millions)5.8143%1,440
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.3440%3,882
Loan loss allowance to noncurrent loans76.6036%4,280
Noncurrent assets plus other real estate owned to assets1.7779%1,977
Noncurrent loans to loans1.7544%2,205
Net loans and leases to total assets77.6222%805
Net loans and leases to deposits90.9465%1,043
Net loans and leases to core deposits99.3972%1,144
Total domestic deposits to total assets85.3493%3,696
Equity capital to assets8.2485%5,868
Core capital (leverage) ratio8.3863%5,757
Tier 1 risk-based capital ratio11.8662%5,720
Total risk-based capital ratio13.1195%5,653
Memoranda:
Average total assets$309,409,5002,115
Average earning assets$294,123,5002,051
Average equity$25,485,0002,599
Average total loans$244,487,5001,725
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9308%1,038
Cost of funding earning assets0.7042%1,783
Net interest margin4.2266%1,281
Noninterest income to average assets0.1482%6,201
Noninterest expense to average assets2.4173%5,026
Loan and lease loss provision to assets0.2643%1,339
Net operating income to assets0.9582%2,523
Return on assets (ROA)0.9582%2,587
Pretax return on assets1.4721%1,544
Return on Equity (ROE)11.4730%1,606
Retained earnings to average equity (ytd only)8.6770%851
Net charge-offs to loans0.0360%4,727
Credit loss provision to net charge-offs910.8434%276
Earnings coverage of net charge-offs (x)59.8434%688
Efficiency ratio58.1973%5,714
Assets per employee ($millions)5.5427%1,613
Cash dividends to net income (ytd only)*24.3707%3,536
Condition Ratios (%)
Loss allowance to loans1.3173%4,055
Loan loss allowance to noncurrent loans68.2734%4,532
Noncurrent assets plus other real estate owned to assets1.9406%1,860
Noncurrent loans to loans1.9294%2,076
Net loans and leases to total assets78.3199%782
Net loans and leases to deposits95.5529%761
Net loans and leases to core deposits105.4436%823
Total domestic deposits to total assets81.9651%4,891
Equity capital to assets8.2245%5,849
Core capital (leverage) ratio8.5056%5,667
Tier 1 risk-based capital ratio11.8967%5,677
Total risk-based capital ratio13.1501%5,617
Memoranda:
Average total assets$286,063,6002,226
Average earning assets$271,089,6002,169
Average equity$23,890,8002,740
Average total loans$230,356,4001,783
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9001%1,125
Cost of funding earning assets0.7173%1,828
Net interest margin4.1827%1,387
Noninterest income to average assets0.1398%6,332
Noninterest expense to average assets2.4053%5,015
Loan and lease loss provision to assets0.3582%882
Net operating income to assets0.8800%2,936
Return on assets (ROA)0.8800%3,052
Pretax return on assets1.3387%2,176
Return on Equity (ROE)10.4933%2,002
Retained earnings to average equity (ytd only)6.7186%2,020
Net charge-offs to loans-0.0522%6,325
Credit loss provision to net charge-offs-849.4382%6,155
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.6346%5,608
Assets per employee ($millions)5.3630%1,776
Cash dividends to net income (ytd only)*35.9718%2,428
Condition Ratios (%)
Loss allowance to loans1.4078%3,860
Loan loss allowance to noncurrent loans54.7782%5,025
Noncurrent assets plus other real estate owned to assets2.6088%1,452
Noncurrent loans to loans2.5700%1,669
Net loans and leases to total assets81.2300%431
Net loans and leases to deposits95.4278%734
Net loans and leases to core deposits104.8105%832
Total domestic deposits to total assets85.1219%3,675
Equity capital to assets8.3532%5,872
Core capital (leverage) ratio8.4341%5,824
Tier 1 risk-based capital ratio11.7988%5,904
Total risk-based capital ratio13.0536%5,851
Memoranda:
Average total assets$281,367,7502,271
Average earning assets$266,548,5002,211
Average equity$23,595,5002,793
Average total loans$227,459,7501,807
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8636%1,182
Cost of funding earning assets0.7245%1,889
Net interest margin4.1392%1,438
Noninterest income to average assets0.1292%6,412
Noninterest expense to average assets2.3552%5,190
Loan and lease loss provision to assets0.3618%916
Net operating income to assets0.8800%2,905
Return on assets (ROA)0.8800%3,051
Pretax return on assets1.3330%2,177
Return on Equity (ROE)10.4800%2,018
Retained earnings to average equity (ytd only)4.7698%3,208
Net charge-offs to loans-0.0956%6,494
Credit loss provision to net charge-offs-471.0280%5,895
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.1531%5,715
Assets per employee ($millions)5.0907%2,006
Cash dividends to net income (ytd only)*54.4861%1,676
Condition Ratios (%)
Loss allowance to loans1.3698%4,171
Loan loss allowance to noncurrent loans65.2401%4,584
Noncurrent assets plus other real estate owned to assets2.1050%2,047
Noncurrent loans to loans2.0997%2,279
Net loans and leases to total assets78.9260%641
Net loans and leases to deposits91.8196%980
Net loans and leases to core deposits100.7496%1,027
Total domestic deposits to total assets85.9577%3,395
Equity capital to assets8.2650%6,002
Core capital (leverage) ratio8.4288%5,744
Tier 1 risk-based capital ratio11.9183%5,841
Total risk-based capital ratio13.1723%5,787
Memoranda:
Average total assets$278,623,3302,299
Average earning assets$263,917,6702,231
Average equity$23,397,0002,830
Average total loans$223,745,6701,827
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8986%1,088
Cost of funding earning assets0.7379%1,943
Net interest margin4.1607%1,301
Noninterest income to average assets0.1133%6,525
Noninterest expense to average assets2.3588%5,244
Loan and lease loss provision to assets0.3660%878
Net operating income to assets0.8773%2,766
Return on assets (ROA)0.8773%2,914
Pretax return on assets1.3276%2,134
Return on Equity (ROE)10.3626%1,927
Retained earnings to average equity (ytd only)10.3626%1,018
Net charge-offs to loans-0.5994%6,877
Credit loss provision to net charge-offs-75.9036%5,112
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.2079%5,822
Assets per employee ($millions)5.0760%2,123
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.3981%4,241
Loan loss allowance to noncurrent loans44.9507%5,383
Noncurrent assets plus other real estate owned to assets2.8322%1,594
Noncurrent loans to loans3.1103%1,596
Net loans and leases to total assets78.2605%584
Net loans and leases to deposits91.4615%851
Net loans and leases to core deposits99.6706%968
Total domestic deposits to total assets85.5666%3,762
Equity capital to assets8.4588%6,055
Core capital (leverage) ratio8.7247%5,291
Tier 1 risk-based capital ratio12.0714%5,870
Total risk-based capital ratio13.3257%5,823
Memoranda:
Average total assets$275,394,5002,341
Average earning assets$260,726,5002,286
Average equity$23,314,5002,879
Average total loans$221,554,5001,857
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0489%1,434
Cost of funding earning assets0.8851%2,028
Net interest margin4.1638%1,764
Noninterest income to average assets0.1701%6,178
Noninterest expense to average assets2.3379%5,597
Loan and lease loss provision to assets0.3955%1,646
Net operating income to assets0.9200%2,713
Return on assets (ROA)0.9200%2,952
Pretax return on assets1.3906%2,072
Return on Equity (ROE)10.5544%1,953
Retained earnings to average equity (ytd only)8.4898%969
Net charge-offs to loans0.5986%1,938
Credit loss provision to net charge-offs80.4505%3,819
Earnings coverage of net charge-offs (x)3.6331%3,651
Efficiency ratio56.6894%5,982
Assets per employee ($millions)5.4322%1,747
Cash dividends to net income (ytd only)*19.5615%3,762
Condition Ratios (%)
Loss allowance to loans1.1349%5,416
Loan loss allowance to noncurrent loans40.0064%5,617
Noncurrent assets plus other real estate owned to assets2.6873%1,796
Noncurrent loans to loans2.8367%1,853
Net loans and leases to total assets80.6341%408
Net loans and leases to deposits94.5231%718
Net loans and leases to core deposits102.3928%868
Total domestic deposits to total assets85.3062%3,708
Equity capital to assets8.4731%6,071
Core capital (leverage) ratio8.7230%5,291
Tier 1 risk-based capital ratio11.9135%5,832
Total risk-based capital ratio13.1643%5,797
Memoranda:
Average total assets$252,837,8002,505
Average earning assets$240,091,8002,408
Average equity$22,038,2002,968
Average total loans$207,641,2001,942
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0455%1,569
Cost of funding earning assets0.9137%2,080
Net interest margin4.1319%1,969
Noninterest income to average assets0.1736%6,267
Noninterest expense to average assets2.3427%5,566
Loan and lease loss provision to assets0.3493%1,869
Net operating income to assets0.9398%2,800
Return on assets (ROA)0.9398%3,021
Pretax return on assets1.4083%2,209
Return on Equity (ROE)10.6998%2,061
Retained earnings to average equity (ytd only)7.9163%1,647
Net charge-offs to loans0.6713%1,638
Credit loss provision to net charge-offs63.2296%4,066
Earnings coverage of net charge-offs (x)3.1819%3,757
Efficiency ratio57.1354%5,904
Assets per employee ($millions)5.0419%2,130
Cash dividends to net income (ytd only)*26.0148%2,811
Condition Ratios (%)
Loss allowance to loans1.1108%5,673
Loan loss allowance to noncurrent loans27.9160%6,219
Noncurrent assets plus other real estate owned to assets3.4515%1,457
Noncurrent loans to loans3.9790%1,293
Net loans and leases to total assets84.0148%227
Net loans and leases to deposits98.0887%535
Net loans and leases to core deposits107.7935%658
Total domestic deposits to total assets85.6518%3,439
Equity capital to assets8.9026%5,916
Core capital (leverage) ratio8.9113%5,180
Tier 1 risk-based capital ratio12.0393%5,918
Total risk-based capital ratio13.2895%5,903
Memoranda:
Average total assets$248,144,5002,572
Average earning assets$235,820,2502,470
Average equity$21,794,2503,021
Average total loans$204,170,2501,992
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9991%1,792
Cost of funding earning assets0.9242%2,233
Net interest margin4.0749%2,187
Noninterest income to average assets0.1726%6,318
Noninterest expense to average assets2.2607%5,842
Loan and lease loss provision to assets0.4051%1,621
Net operating income to assets0.9375%2,727
Return on assets (ROA)0.9375%2,988
Pretax return on assets1.3832%2,266
Return on Equity (ROE)10.7239%2,087
Retained earnings to average equity (ytd only)6.7013%2,270
Net charge-offs to loans0.9540%1,159
Credit loss provision to net charge-offs52.1921%3,989
Earnings coverage of net charge-offs (x)2.3038%3,846
Efficiency ratio55.8335%6,133
Assets per employee ($millions)5.3029%1,817
Cash dividends to net income (ytd only)*37.5108%2,280
Condition Ratios (%)
Loss allowance to loans1.1109%5,740
Loan loss allowance to noncurrent loans29.9466%6,159
Noncurrent assets plus other real estate owned to assets3.0802%1,780
Noncurrent loans to loans3.7096%1,527
Net loans and leases to total assets82.1125%332
Net loans and leases to deposits96.4503%600
Net loans and leases to core deposits106.1374%735
Total domestic deposits to total assets85.1345%3,799
Equity capital to assets8.7753%5,945
Core capital (leverage) ratio8.8377%5,151
Tier 1 risk-based capital ratio12.0341%5,906
Total risk-based capital ratio13.2846%5,888
Memoranda:
Average total assets$246,827,6702,585
Average earning assets$234,800,6702,476
Average equity$21,578,0003,036
Average total loans$200,835,0002,014
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8956%2,259
Cost of funding earning assets0.9404%2,372
Net interest margin3.9552%2,691
Noninterest income to average assets0.1694%6,366
Noninterest expense to average assets2.2718%5,849
Loan and lease loss provision to assets0.2443%2,511
Net operating income to assets0.9217%2,821
Return on assets (ROA)0.9217%3,028
Pretax return on assets1.4135%2,149
Return on Equity (ROE)10.5639%2,207
Retained earnings to average equity (ytd only)10.5639%1,153
Net charge-offs to loans0.0910%3,609
Credit loss provision to net charge-offs333.3333%895
Earnings coverage of net charge-offs (x)22.6222%1,120
Efficiency ratio57.8119%5,940
Assets per employee ($millions)5.8863%1,353
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.4343%4,452
Loan loss allowance to noncurrent loans31.1459%6,116
Noncurrent assets plus other real estate owned to assets3.7169%1,520
Noncurrent loans to loans4.6052%1,247
Net loans and leases to total assets79.5526%454
Net loans and leases to deposits93.3835%705
Net loans and leases to core deposits102.6236%829
Total domestic deposits to total assets85.1892%3,939
Equity capital to assets8.7827%5,765
Core capital (leverage) ratio8.9550%4,909
Tier 1 risk-based capital ratio12.3667%5,711
Total risk-based capital ratio13.6217%5,666
Memoranda:
Average total assets$245,624,0002,605
Average earning assets$233,514,5002,504
Average equity$21,431,5003,054
Average total loans$197,776,5002,053
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1804%2,147
Cost of funding earning assets1.1070%2,625
Net interest margin4.0734%2,554
Noninterest income to average assets0.1148%6,575
Noninterest expense to average assets2.3074%6,023
Loan and lease loss provision to assets0.2126%4,065
Net operating income to assets0.9810%2,277
Return on assets (ROA)0.9810%2,413
Pretax return on assets1.4628%1,581
Return on Equity (ROE)11.4554%1,571
Retained earnings to average equity (ytd only)9.1166%772
Net charge-offs to loans0.0772%5,549
Credit loss provision to net charge-offs340.1361%681
Earnings coverage of net charge-offs (x)26.8027%929
Efficiency ratio57.9329%6,065
Assets per employee ($millions)5.5460%1,588
Cash dividends to net income (ytd only)*20.4161%3,514
Condition Ratios (%)
Loss allowance to loans1.4065%4,425
Loan loss allowance to noncurrent loans37.1113%5,768
Noncurrent assets plus other real estate owned to assets3.0444%1,972
Noncurrent loans to loans3.7900%1,657
Net loans and leases to total assets79.1975%578
Net loans and leases to deposits92.6165%911
Net loans and leases to core deposits104.2063%891
Total domestic deposits to total assets85.5112%3,588
Equity capital to assets8.6672%5,938
Core capital (leverage) ratio8.8306%5,061
Tier 1 risk-based capital ratio12.1921%5,695
Total risk-based capital ratio13.4463%5,664
Memoranda:
Average total assets$235,158,8002,678
Average earning assets$223,304,0002,575
Average equity$20,139,0003,115
Average total loans$190,345,4002,128
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2072%2,186
Cost of funding earning assets1.1350%2,736
Net interest margin4.0722%2,586
Noninterest income to average assets0.1826%6,290
Noninterest expense to average assets2.3994%5,764
Loan and lease loss provision to assets0.2164%3,850
Net operating income to assets0.9667%2,449
Return on assets (ROA)0.9667%2,617
Pretax return on assets1.4338%1,834
Return on Equity (ROE)11.3241%1,752
Retained earnings to average equity (ytd only)8.1662%1,445
Net charge-offs to loans0.0014%6,181
Credit loss provision to net charge-offs18,900.0000%10
Earnings coverage of net charge-offs (x)1,439.6629%8
Efficiency ratio59.2509%5,831
Assets per employee ($millions)5.6696%1,444
Cash dividends to net income (ytd only)*27.8862%2,576
Condition Ratios (%)
Loss allowance to loans1.4508%4,329
Loan loss allowance to noncurrent loans36.1650%5,885
Noncurrent assets plus other real estate owned to assets3.3268%1,909
Noncurrent loans to loans4.0115%1,650
Net loans and leases to total assets79.3046%582
Net loans and leases to deposits92.8542%929
Net loans and leases to core deposits106.8582%818
Total domestic deposits to total assets85.4077%3,549
Equity capital to assets8.6236%6,171
Core capital (leverage) ratio8.5878%5,574
Tier 1 risk-based capital ratio12.0148%5,885
Total risk-based capital ratio13.2694%5,871
Memoranda:
Average total assets$232,942,7502,699
Average earning assets$221,202,2502,615
Average equity$19,886,2503,164
Average total loans$188,927,5002,158
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2307%2,143
Cost of funding earning assets1.1554%2,871
Net interest margin4.0753%2,509
Noninterest income to average assets0.1661%6,468
Noninterest expense to average assets2.3934%5,867
Loan and lease loss provision to assets0.2180%3,740
Net operating income to assets0.9365%2,490
Return on assets (ROA)0.9377%2,585
Pretax return on assets1.4281%1,730
Return on Equity (ROE)11.0219%1,790
Retained earnings to average equity (ytd only)6.2328%2,273
Net charge-offs to loans0.0404%5,282
Credit loss provision to net charge-offs663.1579%472
Earnings coverage of net charge-offs (x)50.0263%624
Efficiency ratio59.2759%5,986
Assets per employee ($millions)6.0704%1,149
Cash dividends to net income (ytd only)*43.4502%1,938
Condition Ratios (%)
Loss allowance to loans1.3767%4,695
Loan loss allowance to noncurrent loans52.0167%4,898
Noncurrent assets plus other real estate owned to assets2.2560%2,909
Noncurrent loans to loans2.6466%2,747
Net loans and leases to total assets79.2197%617
Net loans and leases to deposits92.2360%1,031
Net loans and leases to core deposits109.7947%729
Total domestic deposits to total assets85.8881%3,384
Equity capital to assets8.4163%6,284
Core capital (leverage) ratio8.4308%5,663
Tier 1 risk-based capital ratio11.5681%6,116
Total risk-based capital ratio12.8215%6,103
Memoranda:
Average total assets$231,215,3302,744
Average earning assets$219,665,0002,650
Average equity$19,670,0003,178
Average total loans$188,028,6702,193
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2480%2,058
Cost of funding earning assets1.1772%2,969
Net interest margin4.0707%2,389
Noninterest income to average assets0.1628%6,563
Noninterest expense to average assets2.6124%5,173
Loan and lease loss provision to assets0.2206%3,452
Net operating income to assets0.7827%3,110
Return on assets (ROA)0.7827%3,183
Pretax return on assets1.2046%2,353
Return on Equity (ROE)9.1493%2,406
Retained earnings to average equity (ytd only)8.7809%1,456
Net charge-offs to loans0.0749%4,191
Credit loss provision to net charge-offs360.0000%909
Earnings coverage of net charge-offs (x)23.2571%1,024
Efficiency ratio64.7008%5,241
Assets per employee ($millions)5.4470%1,621
Cash dividends to net income (ytd only)*4.0268%2,471
Condition Ratios (%)
Loss allowance to loans1.3345%4,970
Loan loss allowance to noncurrent loans73.8384%3,757
Noncurrent assets plus other real estate owned to assets1.6116%3,828
Noncurrent loans to loans1.8074%3,818
Net loans and leases to total assets80.6298%458
Net loans and leases to deposits93.8556%845
Net loans and leases to core deposits110.6552%692
Total domestic deposits to total assets85.9084%3,576
Equity capital to assets8.6365%5,731
Core capital (leverage) ratio8.6233%5,224
Tier 1 risk-based capital ratio11.8804%5,798
Total risk-based capital ratio13.1338%5,794
Memoranda:
Average total assets$228,451,0002,785
Average earning assets$217,456,0002,696
Average equity$19,542,5003,180
Average total loans$186,960,0002,224
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4409%2,502
Cost of funding earning assets1.4729%2,804
Net interest margin3.9680%3,164
Noninterest income to average assets0.1924%6,391
Noninterest expense to average assets2.3106%6,328
Loan and lease loss provision to assets0.2915%4,465
Net operating income to assets0.8977%2,394
Return on assets (ROA)0.8977%2,529
Pretax return on assets1.3604%1,770
Return on Equity (ROE)10.8234%1,636
Retained earnings to average equity (ytd only)8.0716%960
Net charge-offs to loans0.2801%4,622
Credit loss provision to net charge-offs131.0484%3,024
Earnings coverage of net charge-offs (x)7.4274%2,132
Efficiency ratio58.3116%6,305
Assets per employee ($millions)5.0695%2,060
Cash dividends to net income (ytd only)*25.4246%3,237
Condition Ratios (%)
Loss allowance to loans1.2858%5,073
Loan loss allowance to noncurrent loans57.7746%4,552
Noncurrent assets plus other real estate owned to assets2.0984%3,224
Noncurrent loans to loans2.2256%3,299
Net loans and leases to total assets80.9024%553
Net loans and leases to deposits95.7942%886
Net loans and leases to core deposits112.3023%800
Total domestic deposits to total assets84.4543%4,143
Equity capital to assets8.4720%5,892
Core capital (leverage) ratio8.4843%5,395
Tier 1 risk-based capital ratio11.6263%5,795
Total risk-based capital ratio12.8789%5,797
Memoranda:
Average total assets$223,016,6002,829
Average earning assets$211,896,8002,728
Average equity$18,497,0003,354
Average total loans$177,080,8002,387
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4416%2,680
Cost of funding earning assets1.5272%2,793
Net interest margin3.9145%3,469
Noninterest income to average assets0.1840%6,564
Noninterest expense to average assets2.3823%6,086
Loan and lease loss provision to assets0.2225%4,830
Net operating income to assets0.8623%2,775
Return on assets (ROA)0.8623%2,905
Pretax return on assets1.2982%2,174
Return on Equity (ROE)10.4538%1,957
Retained earnings to average equity (ytd only)6.8744%1,916
Net charge-offs to loans0.2107%4,675
Credit loss provision to net charge-offs134.0580%3,011
Earnings coverage of net charge-offs (x)9.1631%2,056
Efficiency ratio61.0384%5,788
Assets per employee ($millions)5.2303%1,894
Cash dividends to net income (ytd only)*34.2399%2,353
Condition Ratios (%)
Loss allowance to loans1.2817%5,053
Loan loss allowance to noncurrent loans44.5204%5,307
Noncurrent assets plus other real estate owned to assets2.3877%2,992
Noncurrent loans to loans2.8788%2,773
Net loans and leases to total assets80.2760%700
Net loans and leases to deposits94.8445%1,114
Net loans and leases to core deposits112.4163%911
Total domestic deposits to total assets84.6397%3,808
Equity capital to assets8.3533%6,447
Core capital (leverage) ratio8.3490%5,792
Tier 1 risk-based capital ratio11.5207%5,916
Total risk-based capital ratio12.7732%5,898
Memoranda:
Average total assets$221,738,7502,888
Average earning assets$210,666,5002,783
Average equity$18,289,5003,428
Average total loans$174,609,7502,451
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4051%2,955
Cost of funding earning assets1.5657%2,865
Net interest margin3.8394%3,718
Noninterest income to average assets0.1885%6,554
Noninterest expense to average assets2.3364%6,254
Loan and lease loss provision to assets0.2266%4,639
Net operating income to assets0.8329%2,813
Return on assets (ROA)0.8329%2,966
Pretax return on assets1.2724%2,179
Return on Equity (ROE)10.1414%2,052
Retained earnings to average equity (ytd only)4.9438%2,940
Net charge-offs to loans0.1234%4,954
Credit loss provision to net charge-offs235.8491%1,637
Earnings coverage of net charge-offs (x)15.6038%1,449
Efficiency ratio60.9168%5,871
Assets per employee ($millions)4.9958%2,195
Cash dividends to net income (ytd only)*51.2514%1,625
Condition Ratios (%)
Loss allowance to loans1.3601%4,624
Loan loss allowance to noncurrent loans35.3567%6,000
Noncurrent assets plus other real estate owned to assets3.1551%2,247
Noncurrent loans to loans3.8469%1,998
Net loans and leases to total assets77.2272%1,251
Net loans and leases to deposits93.7527%1,310
Net loans and leases to core deposits109.4547%1,200
Total domestic deposits to total assets82.3733%4,840
Equity capital to assets8.1335%6,618
Core capital (leverage) ratio8.2551%5,846
Tier 1 risk-based capital ratio11.4691%5,800
Total risk-based capital ratio12.7222%5,771
Memoranda:
Average total assets$220,683,6702,929
Average earning assets$209,617,3302,818
Average equity$18,123,6703,443
Average total loans$171,850,3302,515
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3658%3,209
Cost of funding earning assets1.5683%3,148
Net interest margin3.7975%3,807
Noninterest income to average assets0.2068%6,482
Noninterest expense to average assets2.4225%6,006
Loan and lease loss provision to assets0.2196%4,303
Net operating income to assets0.7959%2,981
Return on assets (ROA)0.7959%3,091
Pretax return on assets1.1710%2,470
Return on Equity (ROE)9.6436%2,231
Retained earnings to average equity (ytd only)9.2446%1,337
Net charge-offs to loans0.0565%4,843
Credit loss provision to net charge-offs500.0000%830
Earnings coverage of net charge-offs (x)31.6667%843
Efficiency ratio63.5317%5,583
Assets per employee ($millions)5.2791%1,883
Cash dividends to net income (ytd only)*4.1379%2,489
Condition Ratios (%)
Loss allowance to loans1.3694%4,580
Loan loss allowance to noncurrent loans38.7448%5,774
Noncurrent assets plus other real estate owned to assets2.8089%2,589
Noncurrent loans to loans3.5345%2,256
Net loans and leases to total assets76.2062%1,497
Net loans and leases to deposits95.6550%1,153
Net loans and leases to core deposits110.6443%1,235
Total domestic deposits to total assets79.6678%5,894
Equity capital to assets8.2346%6,386
Core capital (leverage) ratio8.3693%5,610
Tier 1 risk-based capital ratio11.7055%5,488
Total risk-based capital ratio12.9589%5,435
Memoranda:
Average total assets$218,619,5003,007
Average earning assets$207,610,5002,906
Average equity$18,043,0003,472
Average total loans$169,770,5002,612
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4748%4,294
Cost of funding earning assets1.9884%3,011
Net interest margin3.4864%5,015
Noninterest income to average assets0.1719%6,848
Noninterest expense to average assets2.4211%6,402
Loan and lease loss provision to assets0.2026%5,719
Net operating income to assets0.5781%3,419
Return on assets (ROA)0.5781%3,492
Pretax return on assets0.8752%3,004
Return on Equity (ROE)6.7970%2,871
Retained earnings to average equity (ytd only)3.3727%2,809
Net charge-offs to loans0.1181%5,993
Credit loss provision to net charge-offs221.2766%1,707
Earnings coverage of net charge-offs (x)11.7713%1,568
Efficiency ratio69.1954%4,786
Assets per employee ($millions)5.2565%1,881
Cash dividends to net income (ytd only)*50.3791%2,451
Condition Ratios (%)
Loss allowance to loans1.3375%4,548
Loan loss allowance to noncurrent loans31.6723%6,349
Noncurrent assets plus other real estate owned to assets3.3765%2,012
Noncurrent loans to loans4.2228%1,724
Net loans and leases to total assets77.0143%1,582
Net loans and leases to deposits99.8935%915
Net loans and leases to core deposits133.7386%1,071
Total domestic deposits to total assets77.0965%6,451
Equity capital to assets8.2722%6,236
Core capital (leverage) ratio8.4260%5,399
Tier 1 risk-based capital ratio11.5288%5,371
Total risk-based capital ratio12.7812%5,323
Memoranda:
Average total assets$205,319,6003,114
Average earning assets$195,932,8003,019
Average equity$17,463,6003,589
Average total loans$159,203,0002,773
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5368%4,234
Cost of funding earning assets2.0928%2,919
Net interest margin3.4440%5,092
Noninterest income to average assets0.1795%6,938
Noninterest expense to average assets2.4040%6,406
Loan and lease loss provision to assets0.1775%5,584
Net operating income to assets0.5931%3,625
Return on assets (ROA)0.5931%3,688
Pretax return on assets0.8897%3,260
Return on Equity (ROE)6.9227%3,106
Retained earnings to average equity (ytd only)2.4790%3,939
Net charge-offs to loans0.1376%5,323
Credit loss provision to net charge-offs166.6667%2,812
Earnings coverage of net charge-offs (x)10.0188%2,021
Efficiency ratio69.2555%4,731
Assets per employee ($millions)5.4389%1,679
Cash dividends to net income (ytd only)*64.1904%1,452
Condition Ratios (%)
Loss allowance to loans1.3229%4,368
Loan loss allowance to noncurrent loans62.7208%4,211
Noncurrent assets plus other real estate owned to assets1.7443%3,746
Noncurrent loans to loans2.1091%3,495
Net loans and leases to total assets74.9031%2,264
Net loans and leases to deposits93.0473%2,053
Net loans and leases to core deposits127.7996%1,600
Total domestic deposits to total assets80.5000%5,246
Equity capital to assets8.2789%6,533
Core capital (leverage) ratio8.2607%5,902
Tier 1 risk-based capital ratio11.9106%5,051
Total risk-based capital ratio13.1630%4,989
Memoranda:
Average total assets$202,770,2503,175
Average earning assets$193,800,5003,071
Average equity$17,372,5003,633
Average total loans$156,946,5002,841
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6304%3,910
Cost of funding earning assets2.1497%3,046
Net interest margin3.4807%4,892
Noninterest income to average assets0.1633%7,108
Noninterest expense to average assets2.4703%6,223
Loan and lease loss provision to assets0.1803%5,245
Net operating income to assets0.5580%3,848
Return on assets (ROA)0.5580%3,960
Pretax return on assets0.8344%3,558
Return on Equity (ROE)6.4357%3,467
Retained earnings to average equity (ytd only)-0.0116%5,214
Net charge-offs to loans0.0836%5,368
Credit loss provision to net charge-offs276.9231%1,690
Earnings coverage of net charge-offs (x)15.5846%1,586
Efficiency ratio70.8824%4,610
Assets per employee ($millions)4.8160%2,300
Cash dividends to net income (ytd only)*100.1795%714
Condition Ratios (%)
Loss allowance to loans1.3689%3,892
Loan loss allowance to noncurrent loans55.5787%4,693
Noncurrent assets plus other real estate owned to assets1.9552%3,258
Noncurrent loans to loans2.4629%2,937
Net loans and leases to total assets74.3543%2,605
Net loans and leases to deposits94.3649%2,034
Net loans and leases to core deposits133.4182%1,348
Total domestic deposits to total assets78.7944%5,864
Equity capital to assets8.3129%6,313
Core capital (leverage) ratio8.5195%5,412
Tier 1 risk-based capital ratio12.1750%4,779
Total risk-based capital ratio13.4285%4,688
Memoranda:
Average total assets$199,654,3303,232
Average earning assets$190,537,0003,132
Average equity$17,309,6703,658
Average total loans$155,591,0002,895
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6594%4,000
Cost of funding earning assets2.2149%3,093
Net interest margin3.4445%4,961
Noninterest income to average assets0.1674%7,107
Noninterest expense to average assets2.3967%6,198
Loan and lease loss provision to assets0.1837%4,602
Net operating income to assets0.5839%4,089
Return on assets (ROA)0.5839%4,281
Pretax return on assets0.8697%3,828
Return on Equity (ROE)6.5910%3,787
Retained earnings to average equity (ytd only)5.8535%2,689
Net charge-offs to loans-0.0052%7,183
Credit loss provision to net charge-offs-4,500.0000%6,717
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.4675%4,686
Assets per employee ($millions)4.6759%2,471
Cash dividends to net income (ytd only)*11.1888%2,701
Condition Ratios (%)
Loss allowance to loans1.3694%3,685
Loan loss allowance to noncurrent loans42.1116%5,727
Noncurrent assets plus other real estate owned to assets2.6320%2,183
Noncurrent loans to loans3.2518%1,981
Net loans and leases to total assets77.5307%1,926
Net loans and leases to deposits102.8665%1,106
Net loans and leases to core deposits144.4122%917
Total domestic deposits to total assets75.3702%6,633
Equity capital to assets8.9130%5,457
Core capital (leverage) ratio9.0886%4,573
Tier 1 risk-based capital ratio12.6235%4,454
Total risk-based capital ratio13.8772%4,371
Memoranda:
Average total assets$195,938,0003,287
Average earning assets$186,734,5003,200
Average equity$17,357,0003,661
Average total loans$155,329,0002,926
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1773%4,629
Cost of funding earning assets2.9296%2,144
Net interest margin3.2477%6,219
Noninterest income to average assets0.1694%7,213
Noninterest expense to average assets2.2467%6,848
Loan and lease loss provision to assets0.1894%4,991
Net operating income to assets0.5763%4,413
Return on assets (ROA)0.5763%4,278
Pretax return on assets0.8441%3,910
Return on Equity (ROE)7.0783%3,488
Retained earnings to average equity (ytd only)6.8257%1,210
Net charge-offs to loans0.1834%4,366
Credit loss provision to net charge-offs130.1115%4,085
Earnings coverage of net charge-offs (x)7.1004%3,187
Efficiency ratio68.4922%4,634
Assets per employee ($millions)4.6545%2,395
Cash dividends to net income (ytd only)*3.5681%4,796
Condition Ratios (%)
Loss allowance to loans1.2938%3,829
Loan loss allowance to noncurrent loans52.9874%5,350
Noncurrent assets plus other real estate owned to assets2.0303%2,423
Noncurrent loans to loans2.4417%2,244
Net loans and leases to total assets78.9107%1,914
Net loans and leases to deposits108.4924%941
Net loans and leases to core deposits158.0916%618
Total domestic deposits to total assets72.7339%6,877
Equity capital to assets8.8036%5,647
Core capital (leverage) ratio9.0846%4,622
Tier 1 risk-based capital ratio12.3773%4,520
Total risk-based capital ratio13.6297%4,422
Memoranda:
Average total assets$184,806,2003,344
Average earning assets$177,019,2003,228
Average equity$15,046,0004,133
Average total loans$146,711,0002,984