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Mechanics Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7211%4,256
Cost of funding earning assets0.6316%4,030
Net interest margin3.0895%3,117
Noninterest income to average assets0.7500%1,059
Noninterest expense to average assets2.7312%1,662
Loan and lease loss provision to assets0.0300%2,526
Net operating income to assets0.7424%3,069
Return on assets (ROA)0.7504%3,025
Pretax return on assets0.9388%2,850
Return on Equity (ROE)10.4300%2,376
Retained earnings to average equity (ytd only)6.9707%1,900
Net charge-offs to loans0.0059%2,484
Credit loss provision to net charge-offs738.8889%510
Earnings coverage of net charge-offs (x)209.1667%570
Efficiency ratio73.9824%1,463
Assets per employee ($millions)5.7205%3,053
Cash dividends to net income (ytd only)*33.1634%2,427
Condition Ratios (%)
Loss allowance to loans1.0587%3,031
Loan loss allowance to noncurrent loans525.2557%1,400
Noncurrent assets plus other real estate owned to assets0.1576%2,482
Noncurrent loans to loans0.2016%2,505
Net loans and leases to total assets77.3500%930
Net loans and leases to deposits83.7726%1,800
Net loans and leases to core deposits90.3596%2,025
Total domestic deposits to total assets92.3400%256
Equity capital to assets7.4288%3,753
Core capital (leverage) ratio8.5699%4,054
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.4815%999
Memoranda:
Average total assets$783,989,2001,201
Average earning assets$747,630,4001,172
Average equity$56,407,2001,459
Average total loans$614,422,4001,075
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6512%4,259
Cost of funding earning assets0.4990%4,137
Net interest margin3.1522%3,021
Noninterest income to average assets0.7400%1,065
Noninterest expense to average assets2.7657%1,505
Loan and lease loss provision to assets0.0100%2,772
Net operating income to assets0.7716%3,107
Return on assets (ROA)0.7774%3,081
Pretax return on assets0.9708%2,929
Return on Equity (ROE)10.9000%2,400
Retained earnings to average equity (ytd only)7.1120%2,247
Net charge-offs to loans0.0076%2,131
Credit loss provision to net charge-offs285.7143%916
Earnings coverage of net charge-offs (x)163.1714%692
Efficiency ratio73.8699%1,372
Assets per employee ($millions)5.7176%3,000
Cash dividends to net income (ytd only)*34.7290%1,878
Condition Ratios (%)
Loss allowance to loans1.0446%3,129
Loan loss allowance to noncurrent loans478.7500%1,501
Noncurrent assets plus other real estate owned to assets0.1724%2,437
Noncurrent loans to loans0.2182%2,479
Net loans and leases to total assets78.1700%862
Net loans and leases to deposits84.4730%1,701
Net loans and leases to core deposits89.6980%1,949
Total domestic deposits to total assets92.5400%368
Equity capital to assets7.0544%3,582
Core capital (leverage) ratio8.6506%4,058
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3068%1,054
Memoranda:
Average total assets$778,338,0001,204
Average earning assets$742,015,7501,178
Average equity$55,529,0001,464
Average total loans$610,375,5001,079
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5886%4,264
Cost of funding earning assets0.3889%4,186
Net interest margin3.1998%2,997
Noninterest income to average assets0.7400%999
Noninterest expense to average assets2.7647%1,490
Loan and lease loss provision to assets0.0200%2,476
Net operating income to assets0.7965%3,093
Return on assets (ROA)0.8028%3,081
Pretax return on assets1.0104%2,883
Return on Equity (ROE)11.2100%2,370
Retained earnings to average equity (ytd only)8.5032%1,818
Net charge-offs to loans0.0046%2,113
Credit loss provision to net charge-offs628.5714%559
Earnings coverage of net charge-offs (x)282.5000%476
Efficiency ratio73.0310%1,452
Assets per employee ($millions)5.3218%3,308
Cash dividends to net income (ytd only)*24.1479%2,290
Condition Ratios (%)
Loss allowance to loans1.0640%3,117
Loan loss allowance to noncurrent loans539.2887%1,479
Noncurrent assets plus other real estate owned to assets0.1545%2,466
Noncurrent loans to loans0.1973%2,477
Net loans and leases to total assets77.4900%887
Net loans and leases to deposits83.7760%1,689
Net loans and leases to core deposits87.7354%1,944
Total domestic deposits to total assets92.5000%324
Equity capital to assets7.2087%3,685
Core capital (leverage) ratio8.6640%4,033
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3262%1,060
Memoranda:
Average total assets$774,775,6671,206
Average earning assets$738,555,6671,181
Average equity$55,485,0001,468
Average total loans$606,063,6671,072
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5397%4,222
Cost of funding earning assets0.2531%4,290
Net interest margin3.2866%2,911
Noninterest income to average assets0.7000%1,089
Noninterest expense to average assets2.7271%1,600
Loan and lease loss provision to assets-0.0200%4,456
Net operating income to assets0.8983%2,863
Return on assets (ROA)0.9065%2,790
Pretax return on assets1.1410%2,595
Return on Equity (ROE)12.7200%2,042
Retained earnings to average equity (ytd only)9.9894%1,701
Net charge-offs to loans0.0113%1,524
Credit loss provision to net charge-offs-147.0588%4,601
Earnings coverage of net charge-offs (x)125.8235%683
Efficiency ratio71.0751%1,634
Assets per employee ($millions)5.2906%3,426
Cash dividends to net income (ytd only)*21.4654%1,942
Condition Ratios (%)
Loss allowance to loans1.0577%3,260
Loan loss allowance to noncurrent loans586.4469%1,446
Noncurrent assets plus other real estate owned to assets0.1423%2,509
Noncurrent loans to loans0.1804%2,577
Net loans and leases to total assets78.0900%757
Net loans and leases to deposits84.5554%1,459
Net loans and leases to core deposits87.6953%1,764
Total domestic deposits to total assets92.3500%432
Equity capital to assets7.2836%3,682
Core capital (leverage) ratio8.5489%4,112
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.1890%1,129
Memoranda:
Average total assets$770,917,5001,225
Average earning assets$734,872,5001,196
Average equity$54,938,0001,493
Average total loans$602,712,0001,089
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1602%3,889
Cost of funding earning assets0.1244%4,259
Net interest margin3.0358%3,339
Noninterest income to average assets0.6700%1,396
Noninterest expense to average assets2.4370%2,311
Loan and lease loss provision to assets0.0300%2,326
Net operating income to assets0.8926%2,994
Return on assets (ROA)0.8915%2,935
Pretax return on assets1.1227%2,703
Return on Equity (ROE)12.9800%1,822
Retained earnings to average equity (ytd only)10.3332%1,059
Net charge-offs to loans0.0243%1,574
Credit loss provision to net charge-offs142.8571%1,335
Earnings coverage of net charge-offs (x)64.9857%1,199
Efficiency ratio67.9524%1,972
Assets per employee ($millions)5.5336%3,180
Cash dividends to net income (ytd only)*20.4053%2,880
Condition Ratios (%)
Loss allowance to loans0.9494%3,601
Loan loss allowance to noncurrent loans473.8769%1,667
Noncurrent assets plus other real estate owned to assets0.1552%2,447
Noncurrent loans to loans0.2003%2,486
Net loans and leases to total assets76.7100%931
Net loans and leases to deposits82.6343%1,570
Net loans and leases to core deposits84.2640%1,866
Total domestic deposits to total assets92.8300%441
Equity capital to assets6.9705%3,684
Core capital (leverage) ratio8.2048%4,309
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3239%1,079
Memoranda:
Average total assets$791,597,8001,194
Average earning assets$760,658,4001,159
Average equity$54,359,0001,512
Average total loans$575,372,0001,064
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0282%3,836
Cost of funding earning assets0.1292%4,043
Net interest margin2.8991%3,504
Noninterest income to average assets0.6600%1,473
Noninterest expense to average assets2.3564%2,453
Loan and lease loss provision to assets0.0200%2,326
Net operating income to assets0.8514%3,059
Return on assets (ROA)0.8481%3,048
Pretax return on assets1.0677%2,818
Return on Equity (ROE)12.4000%1,911
Retained earnings to average equity (ytd only)9.9468%1,354
Net charge-offs to loans0.0253%1,316
Credit loss provision to net charge-offs113.8889%1,248
Earnings coverage of net charge-offs (x)60.3796%1,171
Efficiency ratio68.3231%1,975
Assets per employee ($millions)5.9131%2,835
Cash dividends to net income (ytd only)*19.7550%2,471
Condition Ratios (%)
Loss allowance to loans0.9593%3,655
Loan loss allowance to noncurrent loans538.0952%1,514
Noncurrent assets plus other real estate owned to assets0.1325%2,685
Noncurrent loans to loans0.1783%2,695
Net loans and leases to total assets73.6200%1,131
Net loans and leases to deposits79.0083%1,634
Net loans and leases to core deposits81.0711%1,823
Total domestic deposits to total assets93.1800%530
Equity capital to assets6.4875%3,745
Core capital (leverage) ratio7.8876%4,446
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.4017%1,104
Memoranda:
Average total assets$795,821,5001,194
Average earning assets$766,014,7501,159
Average equity$54,448,5001,524
Average total loans$569,221,0001,070
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9021%3,774
Cost of funding earning assets0.1397%3,712
Net interest margin2.7624%3,547
Noninterest income to average assets0.6557%1,517
Noninterest expense to average assets2.3175%2,497
Loan and lease loss provision to assets0.0153%2,322
Net operating income to assets0.7806%3,024
Return on assets (ROA)0.7754%3,010
Pretax return on assets0.9764%2,811
Return on Equity (ROE)11.1425%1,936
Retained earnings to average equity (ytd only)8.6183%1,394
Net charge-offs to loans-0.0011%3,046
Credit loss provision to net charge-offs-2,033.3333%3,672
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8933%1,976
Assets per employee ($millions)5.5420%3,183
Cash dividends to net income (ytd only)*22.6537%2,367
Condition Ratios (%)
Loss allowance to loans0.9871%3,656
Loan loss allowance to noncurrent loans588.8430%1,376
Noncurrent assets plus other real estate owned to assets0.1213%2,859
Noncurrent loans to loans0.1676%2,855
Net loans and leases to total assets71.6445%1,150
Net loans and leases to deposits77.0150%1,609
Net loans and leases to core deposits80.2046%1,702
Total domestic deposits to total assets93.0266%508
Equity capital to assets6.7120%3,937
Core capital (leverage) ratio7.7165%4,482
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.2399%1,138
Memoranda:
Average total assets$796,976,0001,195
Average earning assets$767,445,0001,168
Average equity$55,463,3331,534
Average total loans$562,627,6671,069
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7919%3,759
Cost of funding earning assets0.1557%3,423
Net interest margin2.6362%3,565
Noninterest income to average assets0.6358%1,550
Noninterest expense to average assets2.2967%2,514
Loan and lease loss provision to assets0.0171%2,047
Net operating income to assets0.6855%3,108
Return on assets (ROA)0.6795%3,117
Pretax return on assets0.8568%2,920
Return on Equity (ROE)9.5936%2,124
Retained earnings to average equity (ytd only)4.6302%2,729
Net charge-offs to loans-0.0014%3,058
Credit loss provision to net charge-offs-1,700.0000%3,363
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2661%1,941
Assets per employee ($millions)5.8212%2,977
Cash dividends to net income (ytd only)*51.7369%1,217
Condition Ratios (%)
Loss allowance to loans1.0151%3,653
Loan loss allowance to noncurrent loans572.9293%1,363
Noncurrent assets plus other real estate owned to assets0.1241%2,943
Noncurrent loans to loans0.1772%2,932
Net loans and leases to total assets69.3557%1,076
Net loans and leases to deposits74.6388%1,552
Net loans and leases to core deposits78.1203%1,604
Total domestic deposits to total assets92.9218%289
Equity capital to assets6.7977%4,298
Core capital (leverage) ratio7.6317%4,503
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.4766%1,151
Memoranda:
Average total assets$796,441,5001,199
Average earning assets$768,078,0001,170
Average equity$56,412,5001,560
Average total loans$555,214,0001,070
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0589%3,763
Cost of funding earning assets0.3100%2,296
Net interest margin2.7489%3,783
Noninterest income to average assets0.6819%1,824
Noninterest expense to average assets2.3651%2,603
Loan and lease loss provision to assets0.0527%2,005
Net operating income to assets0.7242%3,555
Return on assets (ROA)0.7295%3,608
Pretax return on assets0.9196%3,457
Return on Equity (ROE)9.5969%2,677
Retained earnings to average equity (ytd only)6.8486%1,982
Net charge-offs to loans0.0009%2,652
Credit loss provision to net charge-offs7,860.0000%91
Earnings coverage of net charge-offs (x)1,441.2000%101
Efficiency ratio71.0090%1,616
Assets per employee ($millions)5.8056%2,946
Cash dividends to net income (ytd only)*28.6370%2,636
Condition Ratios (%)
Loss allowance to loans1.0217%3,654
Loan loss allowance to noncurrent loans506.8345%1,412
Noncurrent assets plus other real estate owned to assets0.1398%2,953
Noncurrent loans to loans0.2016%2,942
Net loans and leases to total assets68.6472%1,192
Net loans and leases to deposits74.2428%1,707
Net loans and leases to core deposits77.9625%1,763
Total domestic deposits to total assets92.4632%98
Equity capital to assets7.3692%4,631
Core capital (leverage) ratio7.5857%4,574
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5760%1,148
Memoranda:
Average total assets$746,266,6001,231
Average earning assets$719,090,0001,191
Average equity$56,726,8001,589
Average total loans$537,416,2001,105
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1005%3,807
Cost of funding earning assets0.3347%2,255
Net interest margin2.7659%3,852
Noninterest income to average assets0.6834%1,875
Noninterest expense to average assets2.2835%2,798
Loan and lease loss provision to assets0.0638%1,722
Net operating income to assets0.7945%3,533
Return on assets (ROA)0.7996%3,595
Pretax return on assets1.0056%3,439
Return on Equity (ROE)10.4331%2,578
Retained earnings to average equity (ytd only)7.5440%2,205
Net charge-offs to loans0.0027%2,260
Credit loss provision to net charge-offs3,190.9091%225
Earnings coverage of net charge-offs (x)532.0000%282
Efficiency ratio68.2354%1,786
Assets per employee ($millions)5.6212%3,073
Cash dividends to net income (ytd only)*27.6920%2,188
Condition Ratios (%)
Loss allowance to loans1.0246%3,758
Loan loss allowance to noncurrent loans481.3092%1,403
Noncurrent assets plus other real estate owned to assets0.1486%3,120
Noncurrent loans to loans0.2129%3,101
Net loans and leases to total assets69.0834%1,182
Net loans and leases to deposits74.8745%1,772
Net loans and leases to core deposits79.9090%1,739
Total domestic deposits to total assets92.2656%83
Equity capital to assets7.4873%4,711
Core capital (leverage) ratio7.7231%4,615
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.4773%1,255
Memoranda:
Average total assets$733,989,7501,257
Average earning assets$706,743,2501,223
Average equity$56,255,2501,616
Average total loans$533,860,7501,133
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0951%3,883
Cost of funding earning assets0.3525%2,299
Net interest margin2.7426%3,895
Noninterest income to average assets0.6811%1,887
Noninterest expense to average assets2.2949%2,782
Loan and lease loss provision to assets0.0844%1,454
Net operating income to assets0.7497%3,642
Return on assets (ROA)0.7552%3,697
Pretax return on assets0.9501%3,544
Return on Equity (ROE)9.7718%2,842
Retained earnings to average equity (ytd only)6.6046%2,584
Net charge-offs to loans0.0030%2,077
Credit loss provision to net charge-offs3,787.5000%174
Earnings coverage of net charge-offs (x)461.2500%282
Efficiency ratio69.0722%1,749
Assets per employee ($millions)5.3383%3,299
Cash dividends to net income (ytd only)*32.4115%1,943
Condition Ratios (%)
Loss allowance to loans1.0347%3,698
Loan loss allowance to noncurrent loans428.6930%1,432
Noncurrent assets plus other real estate owned to assets0.1730%3,109
Noncurrent loans to loans0.2414%3,083
Net loans and leases to total assets70.9407%1,093
Net loans and leases to deposits76.8710%1,740
Net loans and leases to core deposits81.7438%1,746
Total domestic deposits to total assets92.2854%81
Equity capital to assets7.5379%4,724
Core capital (leverage) ratio7.6402%4,655
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.4871%1,230
Memoranda:
Average total assets$718,206,3331,273
Average earning assets$691,682,3331,234
Average equity$55,506,6671,628
Average total loans$530,026,3331,141
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1293%3,831
Cost of funding earning assets0.3734%2,325
Net interest margin2.7560%3,857
Noninterest income to average assets0.6725%1,950
Noninterest expense to average assets2.3069%2,764
Loan and lease loss provision to assets0.0870%1,515
Net operating income to assets0.7414%3,597
Return on assets (ROA)0.7532%3,634
Pretax return on assets0.9454%3,503
Return on Equity (ROE)9.6203%2,811
Retained earnings to average equity (ytd only)5.6996%3,002
Net charge-offs to loans0.0008%1,916
Credit loss provision to net charge-offs15,300.0000%37
Earnings coverage of net charge-offs (x)1,790.0000%45
Efficiency ratio69.3912%1,771
Assets per employee ($millions)5.1143%3,516
Cash dividends to net income (ytd only)*40.7547%1,366
Condition Ratios (%)
Loss allowance to loans1.0220%3,761
Loan loss allowance to noncurrent loans382.4363%1,447
Noncurrent assets plus other real estate owned to assets0.1944%3,193
Noncurrent loans to loans0.2672%3,152
Net loans and leases to total assets72.0103%1,028
Net loans and leases to deposits78.4385%1,678
Net loans and leases to core deposits83.3272%1,732
Total domestic deposits to total assets91.8049%185
Equity capital to assets7.5620%4,688
Core capital (leverage) ratio7.9750%4,581
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5751%1,149
Memoranda:
Average total assets$703,626,5001,280
Average earning assets$677,079,0001,247
Average equity$55,092,0001,630
Average total loans$527,174,5001,144
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4526%4,114
Cost of funding earning assets0.4726%3,133
Net interest margin2.9800%3,935
Noninterest income to average assets0.6714%1,948
Noninterest expense to average assets2.6237%2,470
Loan and lease loss provision to assets0.1048%3,026
Net operating income to assets0.6330%3,640
Return on assets (ROA)0.6338%3,766
Pretax return on assets0.8004%3,624
Return on Equity (ROE)7.8042%2,890
Retained earnings to average equity (ytd only)5.3183%2,133
Net charge-offs to loans0.0128%2,875
Credit loss provision to net charge-offs1,012.5000%775
Earnings coverage of net charge-offs (x)87.3750%854
Efficiency ratio74.3745%1,398
Assets per employee ($millions)4.8299%3,570
Cash dividends to net income (ytd only)*31.8541%2,759
Condition Ratios (%)
Loss allowance to loans0.9977%3,878
Loan loss allowance to noncurrent loans369.5775%1,461
Noncurrent assets plus other real estate owned to assets0.2085%3,247
Noncurrent loans to loans0.2700%3,226
Net loans and leases to total assets76.4645%739
Net loans and leases to deposits83.4621%1,503
Net loans and leases to core deposits88.4833%1,646
Total domestic deposits to total assets91.6158%115
Equity capital to assets8.1152%4,659
Core capital (leverage) ratio8.2905%4,416
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.6744%1,111
Memoranda:
Average total assets$618,602,4001,299
Average earning assets$592,911,8001,274
Average equity$50,242,0001,686
Average total loans$499,067,4001,140
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5084%4,197
Cost of funding earning assets0.5032%3,202
Net interest margin3.0052%3,967
Noninterest income to average assets0.6737%1,888
Noninterest expense to average assets2.5912%2,556
Loan and lease loss provision to assets0.1106%2,936
Net operating income to assets0.6717%3,560
Return on assets (ROA)0.6682%3,674
Pretax return on assets0.8449%3,529
Return on Equity (ROE)8.2253%2,717
Retained earnings to average equity (ytd only)5.7430%2,214
Net charge-offs to loans0.0176%2,510
Credit loss provision to net charge-offs769.2308%1,009
Earnings coverage of net charge-offs (x)66.7846%1,028
Efficiency ratio72.9701%1,529
Assets per employee ($millions)4.7253%3,567
Cash dividends to net income (ytd only)*30.1787%2,358
Condition Ratios (%)
Loss allowance to loans0.9748%3,802
Loan loss allowance to noncurrent loans314.3650%1,576
Noncurrent assets plus other real estate owned to assets0.2506%3,179
Noncurrent loans to loans0.3101%3,172
Net loans and leases to total assets80.0149%614
Net loans and leases to deposits87.7251%1,520
Net loans and leases to core deposits91.9922%1,798
Total domestic deposits to total assets91.2109%134
Equity capital to assets8.3433%4,549
Core capital (leverage) ratio8.4349%4,356
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.6040%1,114
Memoranda:
Average total assets$602,998,7501,308
Average earning assets$577,343,2501,281
Average equity$48,986,0001,713
Average total loans$492,338,2501,145
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5723%4,308
Cost of funding earning assets0.5328%3,331
Net interest margin3.0395%4,039
Noninterest income to average assets0.6712%1,848
Noninterest expense to average assets2.6259%2,585
Loan and lease loss provision to assets0.0928%3,109
Net operating income to assets0.6770%3,475
Return on assets (ROA)0.6719%3,598
Pretax return on assets0.8517%3,453
Return on Equity (ROE)8.3533%2,613
Retained earnings to average equity (ytd only)5.7873%2,164
Net charge-offs to loans0.0133%2,491
Credit loss provision to net charge-offs853.1250%878
Earnings coverage of net charge-offs (x)87.4063%760
Efficiency ratio73.4125%1,520
Assets per employee ($millions)4.5138%3,770
Cash dividends to net income (ytd only)*30.7186%2,339
Condition Ratios (%)
Loss allowance to loans0.9665%3,729
Loan loss allowance to noncurrent loans247.2278%1,823
Noncurrent assets plus other real estate owned to assets0.3162%3,051
Noncurrent loans to loans0.3909%3,002
Net loans and leases to total assets80.1043%584
Net loans and leases to deposits87.3069%1,628
Net loans and leases to core deposits91.6515%1,935
Total domestic deposits to total assets91.7502%67
Equity capital to assets7.6805%4,836
Core capital (leverage) ratio7.8001%4,826
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2011%1,445
Memoranda:
Average total assets$588,207,6671,315
Average earning assets$562,326,0001,291
Average equity$47,310,6671,754
Average total loans$482,086,6671,147
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7774%4,264
Cost of funding earning assets0.5725%3,579
Net interest margin3.2049%3,842
Noninterest income to average assets0.6880%1,686
Noninterest expense to average assets2.7766%2,494
Loan and lease loss provision to assets0.0176%3,576
Net operating income to assets0.7500%3,092
Return on assets (ROA)0.7344%3,235
Pretax return on assets0.9300%3,053
Return on Equity (ROE)8.9095%2,147
Retained earnings to average equity (ytd only)6.3151%1,768
Net charge-offs to loans0.0290%1,801
Credit loss provision to net charge-offs73.5294%1,962
Earnings coverage of net charge-offs (x)40.4412%1,022
Efficiency ratio74.1638%1,790
Assets per employee ($millions)4.2229%3,623
Cash dividends to net income (ytd only)*29.1188%2,167
Condition Ratios (%)
Loss allowance to loans0.9810%3,803
Loan loss allowance to noncurrent loans250.8082%1,763
Noncurrent assets plus other real estate owned to assets0.3232%3,155
Noncurrent loans to loans0.3911%3,083
Net loans and leases to total assets81.8124%454
Net loans and leases to deposits90.6619%1,436
Net loans and leases to core deposits95.1455%1,871
Total domestic deposits to total assets90.2389%258
Equity capital to assets8.2779%4,906
Core capital (leverage) ratio8.2753%4,895
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2534%1,539
Memoranda:
Average total assets$568,600,5001,312
Average earning assets$542,170,5001,281
Average equity$46,871,5001,761
Average total loans$469,381,5001,149
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9662%4,329
Cost of funding earning assets0.5423%3,913
Net interest margin3.4238%3,668
Noninterest income to average assets0.7278%1,712
Noninterest expense to average assets2.9665%2,109
Loan and lease loss provision to assets0.0301%3,414
Net operating income to assets0.7957%3,567
Return on assets (ROA)0.8013%3,639
Pretax return on assets1.0020%3,458
Return on Equity (ROE)9.9046%2,341
Retained earnings to average equity (ytd only)7.2015%1,308
Net charge-offs to loans0.0179%3,073
Credit loss provision to net charge-offs203.7037%1,303
Earnings coverage of net charge-offs (x)69.2840%890
Efficiency ratio74.3158%1,572
Assets per employee ($millions)3.9921%3,905
Cash dividends to net income (ytd only)*27.2914%3,196
Condition Ratios (%)
Loss allowance to loans1.0046%3,477
Loan loss allowance to noncurrent loans242.7902%1,810
Noncurrent assets plus other real estate owned to assets0.3413%3,044
Noncurrent loans to loans0.4138%2,960
Net loans and leases to total assets81.6477%593
Net loans and leases to deposits90.0856%1,581
Net loans and leases to core deposits94.0120%2,060
Total domestic deposits to total assets90.6335%171
Equity capital to assets8.2080%5,006
Core capital (leverage) ratio8.2897%4,950
Tier 1 risk-based capital ratio15.3725%2,627
Total risk-based capital ratio16.6260%2,558
Memoranda:
Average total assets$547,382,4001,310
Average earning assets$521,814,0001,286
Average equity$44,282,6001,780
Average total loans$451,737,8001,154
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9904%4,384
Cost of funding earning assets0.5310%4,018
Net interest margin3.4594%3,701
Noninterest income to average assets0.7259%1,681
Noninterest expense to average assets2.9543%2,095
Loan and lease loss provision to assets0.0348%3,203
Net operating income to assets0.8268%3,590
Return on assets (ROA)0.8338%3,647
Pretax return on assets1.0411%3,474
Return on Equity (ROE)10.3461%2,270
Retained earnings to average equity (ytd only)7.6249%1,570
Net charge-offs to loans0.0184%2,765
Credit loss provision to net charge-offs229.0323%1,176
Earnings coverage of net charge-offs (x)70.1653%946
Efficiency ratio73.4643%1,645
Assets per employee ($millions)4.0792%3,793
Cash dividends to net income (ytd only)*26.3018%2,772
Condition Ratios (%)
Loss allowance to loans1.0182%3,469
Loan loss allowance to noncurrent loans263.7238%1,683
Noncurrent assets plus other real estate owned to assets0.3185%3,274
Noncurrent loans to loans0.3861%3,166
Net loans and leases to total assets81.6593%609
Net loans and leases to deposits91.9061%1,445
Net loans and leases to core deposits96.1132%1,981
Total domestic deposits to total assets88.8508%672
Equity capital to assets8.2004%5,092
Core capital (leverage) ratio8.2958%5,033
Tier 1 risk-based capital ratio15.3230%2,704
Total risk-based capital ratio16.5768%2,634
Memoranda:
Average total assets$543,506,0001,328
Average earning assets$517,768,2501,298
Average equity$43,802,7501,807
Average total loans$448,610,0001,165
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9961%4,383
Cost of funding earning assets0.5081%4,082
Net interest margin3.4880%3,635
Noninterest income to average assets0.7440%1,545
Noninterest expense to average assets2.9992%2,010
Loan and lease loss provision to assets0.0378%3,057
Net operating income to assets0.8250%3,564
Return on assets (ROA)0.8285%3,611
Pretax return on assets1.0338%3,438
Return on Equity (ROE)10.3424%2,236
Retained earnings to average equity (ytd only)7.5024%1,595
Net charge-offs to loans0.0126%2,688
Credit loss provision to net charge-offs364.2857%782
Earnings coverage of net charge-offs (x)102.8571%681
Efficiency ratio73.7562%1,670
Assets per employee ($millions)4.1434%3,663
Cash dividends to net income (ytd only)*27.4597%2,735
Condition Ratios (%)
Loss allowance to loans1.0289%3,448
Loan loss allowance to noncurrent loans290.5119%1,614
Noncurrent assets plus other real estate owned to assets0.2907%3,386
Noncurrent loans to loans0.3542%3,277
Net loans and leases to total assets81.2372%703
Net loans and leases to deposits90.9630%1,633
Net loans and leases to core deposits95.8902%2,082
Total domestic deposits to total assets89.3080%535
Equity capital to assets8.0853%5,160
Core capital (leverage) ratio8.2225%5,099
Tier 1 risk-based capital ratio15.0527%2,816
Total risk-based capital ratio16.3064%2,736
Memoranda:
Average total assets$539,752,6701,339
Average earning assets$514,104,3301,307
Average equity$43,239,3301,819
Average total loans$445,587,3301,173
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9395%4,488
Cost of funding earning assets0.4748%4,185
Net interest margin3.4648%3,701
Noninterest income to average assets0.7399%1,466
Noninterest expense to average assets3.0219%1,929
Loan and lease loss provision to assets0.0359%2,902
Net operating income to assets0.7933%3,644
Return on assets (ROA)0.8006%3,661
Pretax return on assets0.9923%3,463
Return on Equity (ROE)10.0420%2,352
Retained earnings to average equity (ytd only)6.9139%2,076
Net charge-offs to loans0.0271%1,911
Credit loss provision to net charge-offs160.0000%1,189
Earnings coverage of net charge-offs (x)45.3667%1,078
Efficiency ratio74.7776%1,640
Assets per employee ($millions)3.9975%3,927
Cash dividends to net income (ytd only)*31.1506%2,195
Condition Ratios (%)
Loss allowance to loans1.0407%3,461
Loan loss allowance to noncurrent loans229.7851%1,955
Noncurrent assets plus other real estate owned to assets0.3708%3,108
Noncurrent loans to loans0.4529%2,959
Net loans and leases to total assets81.0159%708
Net loans and leases to deposits89.8493%1,652
Net loans and leases to core deposits94.9804%2,029
Total domestic deposits to total assets90.1687%396
Equity capital to assets8.0044%5,180
Core capital (leverage) ratio8.2582%5,117
Tier 1 risk-based capital ratio15.2140%2,789
Total risk-based capital ratio16.4681%2,693
Memoranda:
Average total assets$534,092,5001,353
Average earning assets$508,891,5001,320
Average equity$42,581,0001,833
Average total loans$442,216,0001,186
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8629%4,361
Cost of funding earning assets0.3247%4,436
Net interest margin3.5381%3,582
Noninterest income to average assets0.7350%1,711
Noninterest expense to average assets3.0778%1,855
Loan and lease loss provision to assets0.0392%3,414
Net operating income to assets0.7493%3,972
Return on assets (ROA)0.7465%3,982
Pretax return on assets0.9825%3,665
Return on Equity (ROE)9.2029%2,888
Retained earnings to average equity (ytd only)-0.5976%5,052
Net charge-offs to loans0.0526%2,403
Credit loss provision to net charge-offs90.6667%2,710
Earnings coverage of net charge-offs (x)23.6889%1,840
Efficiency ratio75.0129%1,495
Assets per employee ($millions)3.8862%4,048
Cash dividends to net income (ytd only)*106.4932%203
Condition Ratios (%)
Loss allowance to loans1.0347%3,474
Loan loss allowance to noncurrent loans175.6809%2,442
Noncurrent assets plus other real estate owned to assets0.4933%2,604
Noncurrent loans to loans0.5890%2,525
Net loans and leases to total assets82.8804%528
Net loans and leases to deposits92.1222%1,534
Net loans and leases to core deposits97.5721%1,899
Total domestic deposits to total assets89.9679%490
Equity capital to assets7.9401%5,182
Core capital (leverage) ratio8.1671%5,183
Tier 1 risk-based capital ratio14.9052%2,873
Total risk-based capital ratio16.1590%2,804
Memoranda:
Average total assets$519,877,4001,357
Average earning assets$494,893,4001,325
Average equity$42,171,4001,776
Average total loans$427,933,6001,185
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8185%4,396
Cost of funding earning assets0.2822%4,619
Net interest margin3.5363%3,573
Noninterest income to average assets0.7234%1,780
Noninterest expense to average assets3.0201%1,954
Loan and lease loss provision to assets0.0373%3,258
Net operating income to assets0.7754%3,991
Return on assets (ROA)0.7754%4,001
Pretax return on assets1.0319%3,630
Return on Equity (ROE)9.5080%2,842
Retained earnings to average equity (ytd only)-2.0178%5,200
Net charge-offs to loans0.0446%2,205
Credit loss provision to net charge-offs102.1127%2,229
Earnings coverage of net charge-offs (x)29.2392%1,638
Efficiency ratio73.8523%1,616
Assets per employee ($millions)3.9819%3,917
Cash dividends to net income (ytd only)*121.2222%150
Condition Ratios (%)
Loss allowance to loans1.0589%3,420
Loan loss allowance to noncurrent loans206.5052%2,191
Noncurrent assets plus other real estate owned to assets0.4209%3,010
Noncurrent loans to loans0.5128%2,844
Net loans and leases to total assets81.2153%842
Net loans and leases to deposits92.6121%1,552
Net loans and leases to core deposits97.5131%1,977
Total domestic deposits to total assets87.6941%1,398
Equity capital to assets7.7456%5,256
Core capital (leverage) ratio8.2260%5,233
Tier 1 risk-based capital ratio15.0757%2,847
Total risk-based capital ratio16.3303%2,771
Memoranda:
Average total assets$517,716,2501,365
Average earning assets$492,783,2501,335
Average equity$42,223,0001,772
Average total loans$424,261,7501,198
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7827%4,384
Cost of funding earning assets0.2487%4,751
Net interest margin3.5339%3,519
Noninterest income to average assets0.7338%1,719
Noninterest expense to average assets3.0442%1,924
Loan and lease loss provision to assets0.0459%2,985
Net operating income to assets0.7525%4,021
Return on assets (ROA)0.7525%4,026
Pretax return on assets1.0067%3,641
Return on Equity (ROE)9.0700%2,983
Retained earnings to average equity (ytd only)5.0816%3,029
Net charge-offs to loans0.0181%2,537
Credit loss provision to net charge-offs310.5263%979
Earnings coverage of net charge-offs (x)71.1579%899
Efficiency ratio74.3063%1,664
Assets per employee ($millions)3.9180%4,029
Cash dividends to net income (ytd only)*43.9731%1,936
Condition Ratios (%)
Loss allowance to loans1.0908%3,321
Loan loss allowance to noncurrent loans110.1671%3,281
Noncurrent assets plus other real estate owned to assets0.8216%1,827
Noncurrent loans to loans0.9901%1,764
Net loans and leases to total assets82.0746%702
Net loans and leases to deposits93.0854%1,459
Net loans and leases to core deposits95.7230%2,082
Total domestic deposits to total assets88.1714%1,291
Equity capital to assets8.2902%5,083
Core capital (leverage) ratio8.6387%5,007
Tier 1 risk-based capital ratio15.6524%2,566
Total risk-based capital ratio16.9073%2,513
Memoranda:
Average total assets$513,758,3301,375
Average earning assets$488,916,3301,344
Average equity$42,624,0001,760
Average total loans$420,778,6701,209
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7414%4,378
Cost of funding earning assets0.2438%4,749
Net interest margin3.4976%3,546
Noninterest income to average assets0.7046%1,809
Noninterest expense to average assets3.0817%1,873
Loan and lease loss provision to assets0.0750%2,266
Net operating income to assets0.6390%4,315
Return on assets (ROA)0.6476%4,294
Pretax return on assets0.8874%3,885
Return on Equity (ROE)7.8026%3,465
Retained earnings to average equity (ytd only)4.9790%3,183
Net charge-offs to loans-0.0019%3,808
Credit loss provision to net charge-offs-4,800.0000%4,437
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.4091%1,537
Assets per employee ($millions)3.9304%4,100
Cash dividends to net income (ytd only)*36.1882%1,967
Condition Ratios (%)
Loss allowance to loans1.1217%3,253
Loan loss allowance to noncurrent loans194.9793%2,297
Noncurrent assets plus other real estate owned to assets0.4778%2,946
Noncurrent loans to loans0.5753%2,818
Net loans and leases to total assets80.4496%880
Net loans and leases to deposits89.8273%1,708
Net loans and leases to core deposits92.4538%2,261
Total domestic deposits to total assets89.5603%854
Equity capital to assets8.2522%5,141
Core capital (leverage) ratio8.6372%5,037
Tier 1 risk-based capital ratio15.8027%2,552
Total risk-based capital ratio17.0579%2,501
Memoranda:
Average total assets$512,048,5001,393
Average earning assets$487,302,0001,358
Average equity$42,498,5001,773
Average total loans$416,591,5001,222
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7290%4,269
Cost of funding earning assets0.2400%4,648
Net interest margin3.4889%3,564
Noninterest income to average assets0.7481%1,782
Noninterest expense to average assets2.9839%2,207
Loan and lease loss provision to assets0.1165%1,953
Net operating income to assets0.5933%4,038
Return on assets (ROA)0.5937%4,079
Pretax return on assets0.9542%3,721
Return on Equity (ROE)7.1037%3,215
Retained earnings to average equity (ytd only)4.1390%2,685
Net charge-offs to loans0.0576%2,657
Credit loss provision to net charge-offs249.5726%1,108
Earnings coverage of net charge-offs (x)22.9231%1,836
Efficiency ratio73.6037%1,962
Assets per employee ($millions)3.9171%4,098
Cash dividends to net income (ytd only)*41.7339%2,767
Condition Ratios (%)
Loss allowance to loans1.1106%3,290
Loan loss allowance to noncurrent loans133.4010%3,024
Noncurrent assets plus other real estate owned to assets0.6871%2,254
Noncurrent loans to loans0.8326%2,140
Net loans and leases to total assets80.4498%900
Net loans and leases to deposits90.3500%1,737
Net loans and leases to core deposits93.0980%2,277
Total domestic deposits to total assets89.0424%984
Equity capital to assets8.3477%5,228
Core capital (leverage) ratio8.4594%5,176
Tier 1 risk-based capital ratio15.6541%2,564
Total risk-based capital ratio16.9087%2,503
Memoranda:
Average total assets$501,260,8001,401
Average earning assets$474,959,4001,367
Average equity$41,893,8001,780
Average total loans$406,480,4001,216
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7159%4,281
Cost of funding earning assets0.2378%4,671
Net interest margin3.4781%3,576
Noninterest income to average assets0.7440%1,810
Noninterest expense to average assets2.9239%2,324
Loan and lease loss provision to assets0.1180%1,833
Net operating income to assets0.6593%4,161
Return on assets (ROA)0.6599%4,214
Pretax return on assets0.9953%3,705
Return on Equity (ROE)7.8931%3,179
Retained earnings to average equity (ytd only)4.8904%2,955
Net charge-offs to loans0.0445%2,551
Credit loss provision to net charge-offs327.4074%918
Earnings coverage of net charge-offs (x)30.8585%1,528
Efficiency ratio72.4380%2,148
Assets per employee ($millions)3.9872%4,013
Cash dividends to net income (ytd only)*38.0413%2,380
Condition Ratios (%)
Loss allowance to loans1.1208%3,377
Loan loss allowance to noncurrent loans112.0452%3,326
Noncurrent assets plus other real estate owned to assets0.7971%2,149
Noncurrent loans to loans1.0004%1,938
Net loans and leases to total assets78.7862%1,150
Net loans and leases to deposits88.7994%1,953
Net loans and leases to core deposits91.5682%2,487
Total domestic deposits to total assets88.7238%1,002
Equity capital to assets8.3407%5,375
Core capital (leverage) ratio8.5298%5,225
Tier 1 risk-based capital ratio15.7178%2,619
Total risk-based capital ratio16.9728%2,554
Memoranda:
Average total assets$499,271,7501,414
Average earning assets$472,627,5001,388
Average equity$41,740,2501,803
Average total loans$404,534,2501,230
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7104%4,194
Cost of funding earning assets0.2340%4,693
Net interest margin3.4764%3,485
Noninterest income to average assets0.7539%1,753
Noninterest expense to average assets2.9017%2,422
Loan and lease loss provision to assets0.1469%1,381
Net operating income to assets0.6566%4,046
Return on assets (ROA)0.6566%4,106
Pretax return on assets0.9904%3,603
Return on Equity (ROE)7.8477%3,125
Retained earnings to average equity (ytd only)4.6594%2,942
Net charge-offs to loans0.0619%2,038
Credit loss provision to net charge-offs291.2000%977
Earnings coverage of net charge-offs (x)22.5440%1,708
Efficiency ratio71.8425%2,367
Assets per employee ($millions)3.7218%4,410
Cash dividends to net income (ytd only)*40.6269%2,295
Condition Ratios (%)
Loss allowance to loans1.1154%3,494
Loan loss allowance to noncurrent loans112.5031%3,353
Noncurrent assets plus other real estate owned to assets0.8075%2,193
Noncurrent loans to loans0.9915%1,984
Net loans and leases to total assets79.2223%1,060
Net loans and leases to deposits88.8526%1,884
Net loans and leases to core deposits91.6216%2,368
Total domestic deposits to total assets89.1614%877
Equity capital to assets8.3565%5,381
Core capital (leverage) ratio8.5554%5,177
Tier 1 risk-based capital ratio15.6034%2,665
Total risk-based capital ratio16.8582%2,596
Memoranda:
Average total assets$495,573,3301,428
Average earning assets$468,303,3301,407
Average equity$41,464,3301,808
Average total loans$403,826,6701,238
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6562%4,254
Cost of funding earning assets0.2327%4,691
Net interest margin3.4235%3,555
Noninterest income to average assets0.7616%1,704
Noninterest expense to average assets2.8667%2,555
Loan and lease loss provision to assets0.1398%1,356
Net operating income to assets0.6527%3,923
Return on assets (ROA)0.6527%3,959
Pretax return on assets0.9843%3,435
Return on Equity (ROE)7.7955%3,024
Retained earnings to average equity (ytd only)5.0675%2,851
Net charge-offs to loans0.0237%2,286
Credit loss provision to net charge-offs716.6667%447
Earnings coverage of net charge-offs (x)57.6250%827
Efficiency ratio71.8330%2,606
Assets per employee ($millions)3.9818%4,044
Cash dividends to net income (ytd only)*34.9938%2,163
Condition Ratios (%)
Loss allowance to loans1.0877%3,778
Loan loss allowance to noncurrent loans97.4524%3,659
Noncurrent assets plus other real estate owned to assets0.9746%1,879
Noncurrent loans to loans1.1161%1,834
Net loans and leases to total assets80.3717%788
Net loans and leases to deposits89.9796%1,530
Net loans and leases to core deposits92.6817%2,103
Total domestic deposits to total assets89.3221%992
Equity capital to assets8.3352%5,337
Core capital (leverage) ratio8.6112%5,145
Tier 1 risk-based capital ratio15.1940%2,875
Total risk-based capital ratio16.4480%2,810
Memoranda:
Average total assets$492,141,5001,441
Average earning assets$464,204,0001,422
Average equity$41,203,5001,811
Average total loans$404,474,0001,237
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7985%3,920
Cost of funding earning assets0.2385%4,670
Net interest margin3.5600%3,221
Noninterest income to average assets0.7068%2,147
Noninterest expense to average assets3.0413%2,213
Loan and lease loss provision to assets0.1512%1,657
Net operating income to assets0.5786%4,307
Return on assets (ROA)0.5793%4,408
Pretax return on assets0.8782%3,919
Return on Equity (ROE)6.5807%3,697
Retained earnings to average equity (ytd only)1.7229%4,550
Net charge-offs to loans0.0942%2,365
Credit loss provision to net charge-offs192.6431%1,473
Earnings coverage of net charge-offs (x)13.0981%2,395
Efficiency ratio74.7319%2,175
Assets per employee ($millions)4.0212%3,926
Cash dividends to net income (ytd only)*73.8183%1,148
Condition Ratios (%)
Loss allowance to loans1.0509%4,006
Loan loss allowance to noncurrent loans129.0920%3,116
Noncurrent assets plus other real estate owned to assets0.7313%2,537
Noncurrent loans to loans0.8140%2,486
Net loans and leases to total assets82.2652%569
Net loans and leases to deposits92.4428%1,382
Net loans and leases to core deposits95.4105%1,974
Total domestic deposits to total assets88.9903%1,127
Equity capital to assets8.4102%5,337
Core capital (leverage) ratio8.6457%5,124
Tier 1 risk-based capital ratio14.9112%3,008
Total risk-based capital ratio16.1645%2,944
Memoranda:
Average total assets$467,459,4001,460
Average earning assets$441,567,0001,441
Average equity$41,150,6001,795
Average total loans$389,693,6001,221
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7969%3,931
Cost of funding earning assets0.2377%4,727
Net interest margin3.5592%3,236
Noninterest income to average assets0.6968%2,182
Noninterest expense to average assets3.0160%2,274
Loan and lease loss provision to assets0.1568%1,482
Net operating income to assets0.5858%4,347
Return on assets (ROA)0.5867%4,457
Pretax return on assets0.8913%4,012
Return on Equity (ROE)6.5876%3,781
Retained earnings to average equity (ytd only)1.8410%4,766
Net charge-offs to loans0.1240%1,716
Credit loss provision to net charge-offs151.5320%1,755
Earnings coverage of net charge-offs (x)10.1171%2,613
Efficiency ratio74.2375%2,239
Assets per employee ($millions)3.8936%4,142
Cash dividends to net income (ytd only)*72.0530%969
Condition Ratios (%)
Loss allowance to loans1.0294%4,250
Loan loss allowance to noncurrent loans123.7836%3,190
Noncurrent assets plus other real estate owned to assets0.7482%2,688
Noncurrent loans to loans0.8316%2,601
Net loans and leases to total assets82.9032%521
Net loans and leases to deposits94.0327%1,249
Net loans and leases to core deposits96.5966%1,931
Total domestic deposits to total assets88.1643%1,313
Equity capital to assets8.7329%5,377
Core capital (leverage) ratio8.8037%5,048
Tier 1 risk-based capital ratio15.1762%2,962
Total risk-based capital ratio16.4293%2,901
Memoranda:
Average total assets$462,683,7501,478
Average earning assets$437,535,2501,453
Average equity$41,208,0001,810
Average total loans$385,986,5001,231
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8063%3,935
Cost of funding earning assets0.2367%4,786
Net interest margin3.5697%3,211
Noninterest income to average assets0.6799%2,233
Noninterest expense to average assets2.9793%2,413
Loan and lease loss provision to assets0.1448%1,584
Net operating income to assets0.6115%4,217
Return on assets (ROA)0.6123%4,338
Pretax return on assets0.9316%3,829
Return on Equity (ROE)6.8294%3,634
Retained earnings to average equity (ytd only)2.9575%4,034
Net charge-offs to loans0.1042%1,790
Credit loss provision to net charge-offs166.8342%1,480
Earnings coverage of net charge-offs (x)12.3869%2,188
Efficiency ratio73.4832%2,436
Assets per employee ($millions)3.7557%4,352
Cash dividends to net income (ytd only)*56.6952%1,677
Condition Ratios (%)
Loss allowance to loans1.0375%4,302
Loan loss allowance to noncurrent loans107.7538%3,548
Noncurrent assets plus other real estate owned to assets0.8664%2,428
Noncurrent loans to loans0.9628%2,353
Net loans and leases to total assets82.8309%533
Net loans and leases to deposits94.0658%1,288
Net loans and leases to core deposits96.6816%1,920
Total domestic deposits to total assets88.0564%1,406
Equity capital to assets8.9299%5,291
Core capital (leverage) ratio8.9117%4,926
Tier 1 risk-based capital ratio15.5582%2,838
Total risk-based capital ratio16.8115%2,775
Memoranda:
Average total assets$458,571,6701,496
Average earning assets$433,487,6701,470
Average equity$41,116,3301,810
Average total loans$382,014,3301,242
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8151%3,894
Cost of funding earning assets0.2370%4,837
Net interest margin3.5780%3,174
Noninterest income to average assets0.6497%2,269
Noninterest expense to average assets3.0162%2,343
Loan and lease loss provision to assets0.1064%1,922
Net operating income to assets0.5996%4,176
Return on assets (ROA)0.5996%4,291
Pretax return on assets0.9108%3,796
Return on Equity (ROE)6.6730%3,627
Retained earnings to average equity (ytd only)4.0019%3,487
Net charge-offs to loans0.1894%1,031
Credit loss provision to net charge-offs67.5978%1,919
Earnings coverage of net charge-offs (x)6.4637%2,242
Efficiency ratio74.7820%2,356
Assets per employee ($millions)3.7819%4,337
Cash dividends to net income (ytd only)*40.0293%2,073
Condition Ratios (%)
Loss allowance to loans1.0097%4,547
Loan loss allowance to noncurrent loans107.5656%3,485
Noncurrent assets plus other real estate owned to assets0.7889%2,722
Noncurrent loans to loans0.9386%2,503
Net loans and leases to total assets82.5509%501
Net loans and leases to deposits93.0169%1,224
Net loans and leases to core deposits96.2532%1,769
Total domestic deposits to total assets88.7483%1,227
Equity capital to assets9.0184%5,157
Core capital (leverage) ratio9.1305%4,691
Tier 1 risk-based capital ratio15.8564%2,758
Total risk-based capital ratio17.1091%2,687
Memoranda:
Average total assets$455,005,5001,505
Average earning assets$430,294,0001,479
Average equity$40,881,0001,813
Average total loans$378,126,0001,249
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7624%4,157
Cost of funding earning assets0.2326%4,982
Net interest margin3.5297%3,413
Noninterest income to average assets0.7407%2,024
Noninterest expense to average assets3.2016%1,969
Loan and lease loss provision to assets0.1166%2,049
Net operating income to assets0.5035%4,678
Return on assets (ROA)0.5035%4,771
Pretax return on assets0.7591%4,340
Return on Equity (ROE)5.4761%4,295
Retained earnings to average equity (ytd only)2.7293%4,130
Net charge-offs to loans0.1165%2,209
Credit loss provision to net charge-offs120.7143%2,132
Earnings coverage of net charge-offs (x)9.0643%2,872
Efficiency ratio78.5231%1,883
Assets per employee ($millions)3.7388%4,400
Cash dividends to net income (ytd only)*50.1599%2,294
Condition Ratios (%)
Loss allowance to loans1.0439%4,353
Loan loss allowance to noncurrent loans106.2483%3,546
Noncurrent assets plus other real estate owned to assets0.8198%2,625
Noncurrent loans to loans0.9826%2,374
Net loans and leases to total assets81.9465%601
Net loans and leases to deposits91.7146%1,430
Net loans and leases to core deposits94.9083%1,956
Total domestic deposits to total assets89.3495%935
Equity capital to assets8.9507%5,173
Core capital (leverage) ratio9.1504%4,684
Tier 1 risk-based capital ratio15.2172%3,070
Total risk-based capital ratio16.4695%3,007
Memoranda:
Average total assets$434,752,6001,530
Average earning assets$410,966,0001,499
Average equity$39,974,0001,803
Average total loans$360,512,4001,258
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7647%4,203
Cost of funding earning assets0.2304%5,088
Net interest margin3.5343%3,410
Noninterest income to average assets0.7526%2,013
Noninterest expense to average assets3.1816%2,015
Loan and lease loss provision to assets0.1184%1,924
Net operating income to assets0.5276%4,692
Return on assets (ROA)0.5276%4,780
Pretax return on assets0.7935%4,358
Return on Equity (ROE)5.6987%4,303
Retained earnings to average equity (ytd only)2.9414%4,356
Net charge-offs to loans0.0956%2,196
Credit loss provision to net charge-offs149.2188%1,689
Earnings coverage of net charge-offs (x)11.4962%2,480
Efficiency ratio77.7248%1,985
Assets per employee ($millions)3.5403%4,722
Cash dividends to net income (ytd only)*48.3852%1,948
Condition Ratios (%)
Loss allowance to loans1.0722%4,376
Loan loss allowance to noncurrent loans113.8001%3,410
Noncurrent assets plus other real estate owned to assets0.8035%2,879
Noncurrent loans to loans0.9422%2,614
Net loans and leases to total assets83.6911%405
Net loans and leases to deposits94.5059%1,135
Net loans and leases to core deposits97.8851%1,704
Total domestic deposits to total assets88.5565%1,269
Equity capital to assets9.2989%5,008
Core capital (leverage) ratio9.2800%4,610
Tier 1 risk-based capital ratio15.6802%2,959
Total risk-based capital ratio16.9333%2,895
Memoranda:
Average total assets$430,340,7501,561
Average earning assets$406,781,0001,520
Average equity$39,844,2501,822
Average total loans$356,981,2501,276
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7262%4,334
Cost of funding earning assets0.2267%5,173
Net interest margin3.4996%3,501
Noninterest income to average assets0.7405%2,041
Noninterest expense to average assets3.2186%1,925
Loan and lease loss provision to assets0.1292%1,720
Net operating income to assets0.4652%4,918
Return on assets (ROA)0.4652%5,016
Pretax return on assets0.6990%4,653
Return on Equity (ROE)5.0318%4,602
Retained earnings to average equity (ytd only)2.2560%4,586
Net charge-offs to loans0.1167%1,836
Credit loss provision to net charge-offs134.4660%1,656
Earnings coverage of net charge-offs (x)8.6165%2,546
Efficiency ratio79.5342%1,827
Assets per employee ($millions)3.4914%4,811
Cash dividends to net income (ytd only)*55.1655%1,731
Condition Ratios (%)
Loss allowance to loans1.0787%4,446
Loan loss allowance to noncurrent loans118.1735%3,312
Noncurrent assets plus other real estate owned to assets0.7715%3,077
Noncurrent loans to loans0.9128%2,844
Net loans and leases to total assets82.5044%511
Net loans and leases to deposits92.6890%1,292
Net loans and leases to core deposits95.9173%1,810
Total domestic deposits to total assets89.0121%1,133
Equity capital to assets9.2018%5,013
Core capital (leverage) ratio9.2025%4,689
Tier 1 risk-based capital ratio15.6231%3,046
Total risk-based capital ratio16.8762%2,989
Memoranda:
Average total assets$428,633,6701,573
Average earning assets$404,966,3301,536
Average equity$39,628,0001,841
Average total loans$353,177,3301,290
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7189%4,302
Cost of funding earning assets0.2236%5,281
Net interest margin3.4954%3,456
Noninterest income to average assets0.7372%1,979
Noninterest expense to average assets3.2639%1,811
Loan and lease loss provision to assets0.1379%1,492
Net operating income to assets0.4230%4,982
Return on assets (ROA)0.4230%5,104
Pretax return on assets0.6350%4,809
Return on Equity (ROE)4.5644%4,733
Retained earnings to average equity (ytd only)1.7812%4,756
Net charge-offs to loans0.1432%1,388
Credit loss provision to net charge-offs117.6000%1,464
Earnings coverage of net charge-offs (x)6.5920%2,268
Efficiency ratio80.8550%1,778
Assets per employee ($millions)3.6235%4,678
Cash dividends to net income (ytd only)*60.9756%1,402
Condition Ratios (%)
Loss allowance to loans1.0925%4,555
Loan loss allowance to noncurrent loans109.9171%3,458
Noncurrent assets plus other real estate owned to assets0.8237%3,036
Noncurrent loans to loans0.9939%2,776
Net loans and leases to total assets80.7510%602
Net loans and leases to deposits90.6988%1,322
Net loans and leases to core deposits93.8658%1,780
Total domestic deposits to total assets89.0321%1,247
Equity capital to assets9.2173%5,063
Core capital (leverage) ratio9.3500%4,495
Tier 1 risk-based capital ratio16.1281%2,862
Total risk-based capital ratio17.3815%2,795
Memoranda:
Average total assets$426,481,5001,586
Average earning assets$402,587,0001,550
Average equity$39,523,0001,855
Average total loans$349,222,0001,298
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7487%4,648
Cost of funding earning assets0.2397%5,424
Net interest margin3.5090%3,755
Noninterest income to average assets0.7668%2,009
Noninterest expense to average assets3.2219%2,158
Loan and lease loss provision to assets0.1170%2,219
Net operating income to assets0.5362%4,658
Return on assets (ROA)0.5388%4,731
Pretax return on assets0.7388%4,482
Return on Equity (ROE)5.7013%4,306
Retained earnings to average equity (ytd only)1.1146%5,274
Net charge-offs to loans0.1058%2,999
Credit loss provision to net charge-offs138.9049%1,707
Earnings coverage of net charge-offs (x)10.1182%2,653
Efficiency ratio79.0825%2,055
Assets per employee ($millions)3.4571%4,969
Cash dividends to net income (ytd only)*80.4505%883
Condition Ratios (%)
Loss allowance to loans1.1039%4,523
Loan loss allowance to noncurrent loans114.5939%3,418
Noncurrent assets plus other real estate owned to assets0.7978%3,214
Noncurrent loans to loans0.9633%2,915
Net loans and leases to total assets81.2247%606
Net loans and leases to deposits91.4313%1,350
Net loans and leases to core deposits94.4383%1,876
Total domestic deposits to total assets88.8368%1,332
Equity capital to assets9.3183%4,941
Core capital (leverage) ratio9.4209%4,360
Tier 1 risk-based capital ratio16.1501%2,888
Total risk-based capital ratio17.4038%2,831
Memoranda:
Average total assets$411,993,6001,606
Average earning assets$388,321,2001,567
Average equity$38,938,6001,818
Average total loans$327,924,6001,337
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7333%4,762
Cost of funding earning assets0.2431%5,478
Net interest margin3.4902%3,873
Noninterest income to average assets0.7761%1,984
Noninterest expense to average assets3.1438%2,340
Loan and lease loss provision to assets0.1117%2,181
Net operating income to assets0.6026%4,437
Return on assets (ROA)0.6062%4,506
Pretax return on assets0.8162%4,306
Return on Equity (ROE)6.3905%4,031
Retained earnings to average equity (ytd only)2.9241%4,516
Net charge-offs to loans0.1340%2,449
Credit loss provision to net charge-offs105.5385%2,110
Earnings coverage of net charge-offs (x)8.7231%2,758
Efficiency ratio77.3055%2,301
Assets per employee ($millions)3.4518%4,949
Cash dividends to net income (ytd only)*54.2427%1,638
Condition Ratios (%)
Loss allowance to loans1.1028%4,738
Loan loss allowance to noncurrent loans119.9676%3,222
Noncurrent assets plus other real estate owned to assets0.7528%3,556
Noncurrent loans to loans0.9193%3,268
Net loans and leases to total assets80.2573%688
Net loans and leases to deposits91.1151%1,311
Net loans and leases to core deposits94.2527%1,836
Total domestic deposits to total assets88.0834%1,717
Equity capital to assets9.5470%4,736
Core capital (leverage) ratio9.7175%4,052
Tier 1 risk-based capital ratio16.9005%2,651
Total risk-based capital ratio18.1546%2,604
Memoranda:
Average total assets$409,551,7501,628
Average earning assets$386,137,0001,585
Average equity$38,848,0001,831
Average total loans$323,306,2501,358
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7081%4,836
Cost of funding earning assets0.2499%5,488
Net interest margin3.4582%3,949
Noninterest income to average assets0.7549%2,022
Noninterest expense to average assets3.0897%2,538
Loan and lease loss provision to assets0.1083%2,206
Net operating income to assets0.5442%4,629
Return on assets (ROA)0.5490%4,707
Pretax return on assets0.8265%4,175
Return on Equity (ROE)5.8008%4,273
Retained earnings to average equity (ytd only)1.8801%4,948
Net charge-offs to loans0.1367%2,301
Credit loss provision to net charge-offs101.3761%1,962
Earnings coverage of net charge-offs (x)8.6789%2,459
Efficiency ratio76.9128%2,469
Assets per employee ($millions)3.5555%4,748
Cash dividends to net income (ytd only)*67.5893%1,241
Condition Ratios (%)
Loss allowance to loans1.1219%4,805
Loan loss allowance to noncurrent loans126.6552%3,079
Noncurrent assets plus other real estate owned to assets0.7300%3,786
Noncurrent loans to loans0.8858%3,489
Net loans and leases to total assets79.5790%734
Net loans and leases to deposits90.3033%1,344
Net loans and leases to core deposits93.0838%1,854
Total domestic deposits to total assets88.1241%1,838
Equity capital to assets9.5684%4,670
Core capital (leverage) ratio9.6551%4,106
Tier 1 risk-based capital ratio17.7000%2,352
Total risk-based capital ratio18.9550%2,317
Memoranda:
Average total assets$407,998,0001,629
Average earning assets$384,885,0001,597
Average equity$38,615,6701,828
Average total loans$319,027,3301,367
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6519%5,000
Cost of funding earning assets0.2588%5,510
Net interest margin3.3931%4,149
Noninterest income to average assets0.6733%2,332
Noninterest expense to average assets3.0533%2,685
Loan and lease loss provision to assets0.1129%2,070
Net operating income to assets0.4734%4,820
Return on assets (ROA)0.4740%4,895
Pretax return on assets0.7125%4,450
Return on Equity (ROE)5.0362%4,534
Retained earnings to average equity (ytd only)2.3982%4,638
Net charge-offs to loans0.1019%2,152
Credit loss provision to net charge-offs143.7500%1,292
Earnings coverage of net charge-offs (x)10.5000%1,854
Efficiency ratio78.7396%2,369
Assets per employee ($millions)3.6744%4,574
Cash dividends to net income (ytd only)*52.3810%1,618
Condition Ratios (%)
Loss allowance to loans1.1647%4,805
Loan loss allowance to noncurrent loans127.4034%3,013
Noncurrent assets plus other real estate owned to assets0.7390%3,904
Noncurrent loans to loans0.9142%3,600
Net loans and leases to total assets77.4837%821
Net loans and leases to deposits86.8469%1,487
Net loans and leases to core deposits89.6435%1,945
Total domestic deposits to total assets89.2187%1,518
Equity capital to assets9.4838%4,521
Core capital (leverage) ratio9.7120%3,980
Tier 1 risk-based capital ratio18.1752%2,221
Total risk-based capital ratio19.4310%2,186
Memoranda:
Average total assets$407,558,0001,643
Average earning assets$384,895,5001,602
Average equity$38,362,0001,838
Average total loans$314,004,5001,385
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6647%5,232
Cost of funding earning assets0.2921%5,657
Net interest margin3.3727%4,394
Noninterest income to average assets0.6654%2,734
Noninterest expense to average assets2.9953%3,069
Loan and lease loss provision to assets0.1433%2,510
Net operating income to assets0.4819%4,807
Return on assets (ROA)0.5068%4,832
Pretax return on assets0.7646%4,282
Return on Equity (ROE)5.2690%4,509
Retained earnings to average equity (ytd only)2.6045%4,401
Net charge-offs to loans0.1360%3,444
Credit loss provision to net charge-offs142.3940%1,639
Earnings coverage of net charge-offs (x)8.6459%2,635
Efficiency ratio77.4870%2,544
Assets per employee ($millions)3.8421%4,179
Cash dividends to net income (ytd only)*50.5696%2,249
Condition Ratios (%)
Loss allowance to loans1.1970%4,673
Loan loss allowance to noncurrent loans101.4015%3,576
Noncurrent assets plus other real estate owned to assets0.9004%3,638
Noncurrent loans to loans1.1805%3,184
Net loans and leases to total assets74.7859%1,245
Net loans and leases to deposits84.0404%1,940
Net loans and leases to core deposits86.7087%2,380
Total domestic deposits to total assets88.9881%1,638
Equity capital to assets9.3414%4,631
Core capital (leverage) ratio9.6676%4,031
Tier 1 risk-based capital ratio18.9544%1,937
Total risk-based capital ratio20.2108%1,891
Memoranda:
Average total assets$398,387,4001,658
Average earning assets$378,009,0001,601
Average equity$38,318,2001,814
Average total loans$294,933,4001,433
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6807%5,217
Cost of funding earning assets0.2973%5,759
Net interest margin3.3834%4,344
Noninterest income to average assets0.6610%2,820
Noninterest expense to average assets2.9414%3,163
Loan and lease loss provision to assets0.1535%2,348
Net operating income to assets0.5169%4,733
Return on assets (ROA)0.5496%4,731
Pretax return on assets0.8293%4,191
Return on Equity (ROE)5.6720%4,370
Retained earnings to average equity (ytd only)3.0079%4,522
Net charge-offs to loans0.1408%3,131
Credit loss provision to net charge-offs148.0519%1,592
Earnings coverage of net charge-offs (x)9.0032%2,540
Efficiency ratio75.9142%2,746
Assets per employee ($millions)3.9369%3,969
Cash dividends to net income (ytd only)*46.9687%2,010
Condition Ratios (%)
Loss allowance to loans1.2149%4,806
Loan loss allowance to noncurrent loans103.8211%3,398
Noncurrent assets plus other real estate owned to assets0.8782%3,918
Noncurrent loans to loans1.1702%3,483
Net loans and leases to total assets73.5498%1,355
Net loans and leases to deposits82.8395%2,022
Net loans and leases to core deposits85.2054%2,507
Total domestic deposits to total assets88.7858%1,675
Equity capital to assets9.4095%4,662
Core capital (leverage) ratio9.6979%4,110
Tier 1 risk-based capital ratio19.4718%1,866
Total risk-based capital ratio20.7290%1,836
Memoranda:
Average total assets$396,169,0001,672
Average earning assets$376,297,5001,615
Average equity$38,386,7501,821
Average total loans$291,600,7501,456
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6879%5,178
Cost of funding earning assets0.3033%5,801
Net interest margin3.3846%4,246
Noninterest income to average assets0.6345%2,994
Noninterest expense to average assets2.9767%3,070
Loan and lease loss provision to assets0.1791%2,119
Net operating income to assets0.4656%4,950
Return on assets (ROA)0.5149%4,906
Pretax return on assets0.7785%4,396
Return on Equity (ROE)5.2621%4,584
Retained earnings to average equity (ytd only)2.5999%4,654
Net charge-offs to loans0.1527%2,878
Credit loss provision to net charge-offs160.0000%1,453
Earnings coverage of net charge-offs (x)7.8864%2,485
Efficiency ratio77.1259%2,607
Assets per employee ($millions)3.9142%3,992
Cash dividends to net income (ytd only)*50.5929%1,851
Condition Ratios (%)
Loss allowance to loans1.2356%4,807
Loan loss allowance to noncurrent loans103.9271%3,366
Noncurrent assets plus other real estate owned to assets0.8872%4,024
Noncurrent loans to loans1.1889%3,573
Net loans and leases to total assets73.1141%1,384
Net loans and leases to deposits81.9204%2,071
Net loans and leases to core deposits84.2809%2,518
Total domestic deposits to total assets89.2503%1,480
Equity capital to assets9.4591%4,635
Core capital (leverage) ratio9.7749%3,829
Tier 1 risk-based capital ratio19.8226%1,761
Total risk-based capital ratio21.0802%1,734
Memoranda:
Average total assets$393,057,0001,686
Average earning assets$374,520,6701,622
Average equity$38,463,6701,823
Average total loans$288,162,3301,465
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6888%5,206
Cost of funding earning assets0.3133%5,860
Net interest margin3.3755%4,211
Noninterest income to average assets0.6031%3,119
Noninterest expense to average assets3.1172%2,621
Loan and lease loss provision to assets0.1805%2,052
Net operating income to assets0.3518%5,338
Return on assets (ROA)0.3518%5,480
Pretax return on assets0.5324%5,169
Return on Equity (ROE)3.5349%5,322
Retained earnings to average equity (ytd only)0.8966%5,487
Net charge-offs to loans0.2433%1,996
Credit loss provision to net charge-offs101.7341%1,801
Earnings coverage of net charge-offs (x)4.0173%2,631
Efficiency ratio81.3873%2,134
Assets per employee ($millions)3.7921%4,370
Cash dividends to net income (ytd only)*74.6356%985
Condition Ratios (%)
Loss allowance to loans1.2292%5,051
Loan loss allowance to noncurrent loans125.2845%2,772
Noncurrent assets plus other real estate owned to assets0.7201%4,569
Noncurrent loans to loans0.9811%4,170
Net loans and leases to total assets71.7786%1,390
Net loans and leases to deposits81.0305%1,951
Net loans and leases to core deposits83.4112%2,404
Total domestic deposits to total assets88.5821%1,946
Equity capital to assets9.8423%4,366
Core capital (leverage) ratio9.8866%3,548
Tier 1 risk-based capital ratio19.8120%1,822
Total risk-based capital ratio21.0690%1,788
Memoranda:
Average total assets$389,962,0001,714
Average earning assets$372,804,0001,646
Average equity$38,813,0001,831
Average total loans$284,464,5001,487
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0022%5,295
Cost of funding earning assets0.3805%6,050
Net interest margin3.6217%3,995
Noninterest income to average assets0.6302%3,108
Noninterest expense to average assets3.1669%2,720
Loan and lease loss provision to assets0.2507%2,648
Net operating income to assets0.4423%4,919
Return on assets (ROA)0.5193%4,872
Pretax return on assets0.7980%4,303
Return on Equity (ROE)5.1106%4,628
Retained earnings to average equity (ytd only)1.9644%4,841
Net charge-offs to loans0.2832%3,245
Credit loss provision to net charge-offs120.3540%2,380
Earnings coverage of net charge-offs (x)4.4652%3,357
Efficiency ratio77.2964%2,550
Assets per employee ($millions)3.5371%4,936
Cash dividends to net income (ytd only)*61.5619%1,719
Condition Ratios (%)
Loss allowance to loans1.2468%4,892
Loan loss allowance to noncurrent loans106.7637%3,175
Noncurrent assets plus other real estate owned to assets0.8769%4,295
Noncurrent loans to loans1.1678%3,901
Net loans and leases to total assets72.3149%1,441
Net loans and leases to deposits80.9717%2,149
Net loans and leases to core deposits83.4853%2,606
Total domestic deposits to total assets89.3088%1,366
Equity capital to assets10.0663%4,082
Core capital (leverage) ratio10.0197%3,369
Tier 1 risk-based capital ratio20.1756%1,633
Total risk-based capital ratio21.4332%1,608
Memoranda:
Average total assets$379,707,6001,713
Average earning assets$363,471,8001,646
Average equity$38,586,2001,801
Average total loans$279,314,2001,488
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0403%5,398
Cost of funding earning assets0.3881%6,187
Net interest margin3.6522%4,001
Noninterest income to average assets0.6320%3,097
Noninterest expense to average assets3.1238%2,814
Loan and lease loss provision to assets0.2742%2,383
Net operating income to assets0.4738%4,937
Return on assets (ROA)0.5524%4,869
Pretax return on assets0.8513%4,301
Return on Equity (ROE)5.4224%4,633
Retained earnings to average equity (ytd only)2.1108%5,268
Net charge-offs to loans0.3494%2,703
Credit loss provision to net charge-offs106.5753%2,755
Earnings coverage of net charge-offs (x)3.9041%3,462
Efficiency ratio75.6660%2,724
Assets per employee ($millions)3.5801%4,789
Cash dividends to net income (ytd only)*61.0722%1,235
Condition Ratios (%)
Loss allowance to loans1.2243%5,171
Loan loss allowance to noncurrent loans130.4364%2,574
Noncurrent assets plus other real estate owned to assets0.6957%4,943
Noncurrent loans to loans0.9386%4,557
Net loans and leases to total assets72.4341%1,480
Net loans and leases to deposits81.1180%2,233
Net loans and leases to core deposits84.1388%2,673
Total domestic deposits to total assets89.2947%1,244
Equity capital to assets10.2276%4,169
Core capital (leverage) ratio10.1080%3,398
Tier 1 risk-based capital ratio21.2414%1,469
Total risk-based capital ratio22.4993%1,438
Memoranda:
Average total assets$378,248,7501,742
Average earning assets$362,110,5001,670
Average equity$38,530,2501,823
Average total loans$278,561,5001,509
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0605%5,454
Cost of funding earning assets0.3941%6,301
Net interest margin3.6663%3,969
Noninterest income to average assets0.6331%3,054
Noninterest expense to average assets3.1077%2,903
Loan and lease loss provision to assets0.2869%2,285
Net operating income to assets0.4843%4,891
Return on assets (ROA)0.4843%5,138
Pretax return on assets0.7495%4,655
Return on Equity (ROE)4.7612%4,930
Retained earnings to average equity (ytd only)1.1187%5,625
Net charge-offs to loans0.4163%2,372
Credit loss provision to net charge-offs93.4483%2,941
Earnings coverage of net charge-offs (x)3.3759%3,397
Efficiency ratio74.9904%2,895
Assets per employee ($millions)3.5201%4,940
Cash dividends to net income (ytd only)*76.5027%882
Condition Ratios (%)
Loss allowance to loans1.1923%5,392
Loan loss allowance to noncurrent loans108.6715%2,981
Noncurrent assets plus other real estate owned to assets0.8591%4,661
Noncurrent loans to loans1.0972%4,330
Net loans and leases to total assets72.3926%1,494
Net loans and leases to deposits80.9060%2,245
Net loans and leases to core deposits83.8358%2,710
Total domestic deposits to total assets89.4774%1,233
Equity capital to assets10.1372%4,140
Core capital (leverage) ratio10.0849%3,293
Tier 1 risk-based capital ratio21.0320%1,477
Total risk-based capital ratio22.2895%1,450
Memoranda:
Average total assets$377,833,6701,743
Average earning assets$361,831,6701,671
Average equity$38,436,0001,815
Average total loans$278,652,0001,508
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1248%5,367
Cost of funding earning assets0.4057%6,379
Net interest margin3.7191%3,741
Noninterest income to average assets0.5947%3,268
Noninterest expense to average assets3.0606%3,051
Loan and lease loss provision to assets0.3281%1,907
Net operating income to assets0.4959%4,847
Return on assets (ROA)0.4959%5,051
Pretax return on assets0.7689%4,533
Return on Equity (ROE)4.8665%4,851
Retained earnings to average equity (ytd only)4.8665%3,636
Net charge-offs to loans0.3932%2,123
Credit loss provision to net charge-offs112.7737%2,092
Earnings coverage of net charge-offs (x)3.7701%2,755
Efficiency ratio73.6143%3,153
Assets per employee ($millions)3.5439%5,016
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2183%5,406
Loan loss allowance to noncurrent loans84.4909%3,526
Noncurrent assets plus other real estate owned to assets1.0593%4,372
Noncurrent loans to loans1.4419%3,950
Net loans and leases to total assets72.5738%1,304
Net loans and leases to deposits81.1156%2,044
Net loans and leases to core deposits83.8301%2,565
Total domestic deposits to total assets89.4697%1,391
Equity capital to assets10.1669%3,891
Core capital (leverage) ratio10.1614%3,160
Tier 1 risk-based capital ratio21.4303%1,393
Total risk-based capital ratio22.6883%1,364
Memoranda:
Average total assets$376,664,0001,759
Average earning assets$360,838,5001,681
Average equity$38,384,5001,808
Average total loans$278,709,0001,515
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4217%5,338
Cost of funding earning assets0.5812%6,181
Net interest margin3.8405%3,626
Noninterest income to average assets0.6305%3,006
Noninterest expense to average assets3.0865%3,247
Loan and lease loss provision to assets0.3144%3,158
Net operating income to assets0.5896%4,057
Return on assets (ROA)0.5896%4,236
Pretax return on assets0.8942%3,622
Return on Equity (ROE)5.8993%3,921
Retained earnings to average equity (ytd only)5.8993%2,074
Net charge-offs to loans0.2955%3,929
Credit loss provision to net charge-offs140.4878%2,098
Earnings coverage of net charge-offs (x)5.4000%2,803
Efficiency ratio71.8607%3,601
Assets per employee ($millions)3.6323%4,702
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.2047%5,367
Loan loss allowance to noncurrent loans96.8012%3,122
Noncurrent assets plus other real estate owned to assets0.9620%4,686
Noncurrent loans to loans1.2445%4,287
Net loans and leases to total assets73.6285%1,338
Net loans and leases to deposits82.5262%2,129
Net loans and leases to core deposits85.2105%2,727
Total domestic deposits to total assets89.2184%1,411
Equity capital to assets10.2147%3,889
Core capital (leverage) ratio10.1950%3,086
Tier 1 risk-based capital ratio21.3550%1,343
Total risk-based capital ratio22.6135%1,317
Memoranda:
Average total assets$366,366,6001,772
Average earning assets$349,594,2001,691
Average equity$36,614,6001,841
Average total loans$277,479,6001,532
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4602%5,387
Cost of funding earning assets0.6298%6,132
Net interest margin3.8304%3,717
Noninterest income to average assets0.6062%3,131
Noninterest expense to average assets3.0751%3,258
Loan and lease loss provision to assets0.3081%3,061
Net operating income to assets0.5784%4,185
Return on assets (ROA)0.5784%4,366
Pretax return on assets0.8766%3,857
Return on Equity (ROE)5.8208%4,109
Retained earnings to average equity (ytd only)5.8208%2,663
Net charge-offs to loans0.3777%3,216
Credit loss provision to net charge-offs107.2611%3,082
Earnings coverage of net charge-offs (x)4.1248%3,172
Efficiency ratio72.1893%3,516
Assets per employee ($millions)3.7324%4,454
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.1075%5,862
Loan loss allowance to noncurrent loans97.0116%3,037
Noncurrent assets plus other real estate owned to assets0.9809%4,787
Noncurrent loans to loans1.1416%4,634
Net loans and leases to total assets75.2890%1,096
Net loans and leases to deposits84.3518%1,943
Net loans and leases to core deposits86.8051%2,672
Total domestic deposits to total assets89.2560%1,280
Equity capital to assets10.2809%3,981
Core capital (leverage) ratio10.1135%3,293
Tier 1 risk-based capital ratio20.4851%1,570
Total risk-based capital ratio21.7406%1,538
Memoranda:
Average total assets$364,426,2501,787
Average earning assets$347,600,2501,713
Average equity$36,214,2501,865
Average total loans$277,143,5001,548
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4489%5,529
Cost of funding earning assets0.6754%6,100
Net interest margin3.7735%3,921
Noninterest income to average assets0.6110%3,066
Noninterest expense to average assets3.0381%3,492
Loan and lease loss provision to assets0.3764%2,536
Net operating income to assets0.5281%4,384
Return on assets (ROA)0.5281%4,528
Pretax return on assets0.7946%4,054
Return on Equity (ROE)5.3761%4,266
Retained earnings to average equity (ytd only)5.3761%2,759
Net charge-offs to loans0.4734%2,678
Credit loss provision to net charge-offs104.5802%2,951
Earnings coverage of net charge-offs (x)3.2534%3,242
Efficiency ratio72.1802%3,698
Assets per employee ($millions)3.7008%4,444
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.1025%5,947
Loan loss allowance to noncurrent loans88.4549%3,219
Noncurrent assets plus other real estate owned to assets1.0606%4,768
Noncurrent loans to loans1.2464%4,577
Net loans and leases to total assets74.8453%1,258
Net loans and leases to deposits83.4797%2,185
Net loans and leases to core deposits86.2853%2,866
Total domestic deposits to total assets89.6569%1,145
Equity capital to assets9.9072%4,267
Core capital (leverage) ratio9.8444%3,462
Tier 1 risk-based capital ratio19.9782%1,613
Total risk-based capital ratio21.2336%1,589
Memoranda:
Average total assets$363,976,0001,797
Average earning assets$347,055,3301,727
Average equity$35,750,6701,877
Average total loans$276,700,0001,567
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4473%5,520
Cost of funding earning assets0.7179%6,035
Net interest margin3.7294%3,950
Noninterest income to average assets0.5800%3,313
Noninterest expense to average assets3.0939%3,269
Loan and lease loss provision to assets0.2536%3,122
Net operating income to assets0.5248%4,382
Return on assets (ROA)0.5248%4,466
Pretax return on assets0.7895%3,939
Return on Equity (ROE)5.3669%4,206
Retained earnings to average equity (ytd only)5.3669%2,965
Net charge-offs to loans0.5137%2,196
Credit loss provision to net charge-offs64.7887%3,455
Earnings coverage of net charge-offs (x)2.6648%3,011
Efficiency ratio74.7868%3,370
Assets per employee ($millions)3.5783%4,802
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.0540%6,212
Loan loss allowance to noncurrent loans97.7763%2,925
Noncurrent assets plus other real estate owned to assets0.9422%5,004
Noncurrent loans to loans1.0780%4,892
Net loans and leases to total assets74.6381%1,243
Net loans and leases to deposits83.0955%2,172
Net loans and leases to core deposits85.8879%2,891
Total domestic deposits to total assets89.8222%1,265
Equity capital to assets9.7611%4,088
Core capital (leverage) ratio9.8167%3,367
Tier 1 risk-based capital ratio19.9830%1,592
Total risk-based capital ratio21.2378%1,556
Memoranda:
Average total assets$362,773,5001,814
Average earning assets$346,006,0001,738
Average equity$35,477,0001,875
Average total loans$276,412,0001,581
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7893%5,451
Cost of funding earning assets0.9208%6,077
Net interest margin3.8684%3,647
Noninterest income to average assets0.5981%3,491
Noninterest expense to average assets3.1169%3,394
Loan and lease loss provision to assets0.2372%4,911
Net operating income to assets0.6177%3,591
Return on assets (ROA)0.6177%3,762
Pretax return on assets0.9333%3,154
Return on Equity (ROE)6.4151%3,389
Retained earnings to average equity (ytd only)6.4151%1,610
Net charge-offs to loans0.1844%5,199
Credit loss provision to net charge-offs164.0232%2,107
Earnings coverage of net charge-offs (x)8.0928%2,016
Efficiency ratio72.6982%3,656
Assets per employee ($millions)3.6056%4,692
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.0908%5,979
Loan loss allowance to noncurrent loans80.5267%3,514
Noncurrent assets plus other real estate owned to assets1.0944%4,823
Noncurrent loans to loans1.3546%4,449
Net loans and leases to total assets76.1248%1,251
Net loans and leases to deposits84.8270%2,317
Net loans and leases to core deposits87.2551%3,145
Total domestic deposits to total assets89.7412%1,242
Equity capital to assets9.7979%4,002
Core capital (leverage) ratio9.6838%3,448
Tier 1 risk-based capital ratio19.5186%1,590
Total risk-based capital ratio20.7531%1,566
Memoranda:
Average total assets$357,437,4001,827
Average earning assets$340,887,8001,752
Average equity$34,418,8001,921
Average total loans$280,353,4001,595
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8343%5,530
Cost of funding earning assets0.9651%6,107
Net interest margin3.8692%3,661
Noninterest income to average assets0.5929%3,485
Noninterest expense to average assets3.0703%3,479
Loan and lease loss provision to assets0.2299%4,774
Net operating income to assets0.6490%3,649
Return on assets (ROA)0.6490%3,816
Pretax return on assets0.9809%3,252
Return on Equity (ROE)6.7695%3,444
Retained earnings to average equity (ytd only)6.7695%1,956
Net charge-offs to loans0.2234%4,601
Credit loss provision to net charge-offs130.5732%3,093
Earnings coverage of net charge-offs (x)6.8769%2,433
Efficiency ratio71.7167%3,761
Assets per employee ($millions)3.3692%5,279
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.0165%6,317
Loan loss allowance to noncurrent loans99.8594%2,786
Noncurrent assets plus other real estate owned to assets0.8899%5,321
Noncurrent loans to loans1.0179%5,199
Net loans and leases to total assets77.4368%1,140
Net loans and leases to deposits87.2411%2,118
Net loans and leases to core deposits90.3224%3,053
Total domestic deposits to total assets88.7618%1,529
Equity capital to assets9.9040%4,283
Core capital (leverage) ratio9.6256%3,722
Tier 1 risk-based capital ratio18.9914%1,753
Total risk-based capital ratio20.2433%1,710
Memoranda:
Average total assets$356,657,2501,856
Average earning assets$339,975,5001,787
Average equity$34,191,7501,959
Average total loans$281,066,5001,612
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8382%5,653
Cost of funding earning assets1.0048%6,112
Net interest margin3.8333%3,744
Noninterest income to average assets0.5952%3,373
Noninterest expense to average assets3.0160%3,650
Loan and lease loss provision to assets0.1745%5,120
Net operating income to assets0.7013%3,401
Return on assets (ROA)0.7013%3,558
Pretax return on assets1.0603%2,900
Return on Equity (ROE)7.3967%3,150
Retained earnings to average equity (ytd only)7.3967%1,676
Net charge-offs to loans0.2180%4,296
Credit loss provision to net charge-offs101.3029%4,025
Earnings coverage of net charge-offs (x)7.1694%2,352
Efficiency ratio70.9516%3,992
Assets per employee ($millions)3.4257%5,103
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.9573%6,571
Loan loss allowance to noncurrent loans84.8790%3,213
Noncurrent assets plus other real estate owned to assets0.8760%5,372
Noncurrent loans to loans1.1278%5,074
Net loans and leases to total assets76.9281%1,307
Net loans and leases to deposits86.3716%2,457
Net loans and leases to core deposits89.3858%3,355
Total domestic deposits to total assets89.0665%1,396
Equity capital to assets9.5734%4,592
Core capital (leverage) ratio9.4685%3,866
Tier 1 risk-based capital ratio18.4877%1,836
Total risk-based capital ratio19.7382%1,802
Memoranda:
Average total assets$356,499,6701,879
Average earning assets$339,964,0001,801
Average equity$33,799,0001,976
Average total loans$281,625,3301,623
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8771%5,573
Cost of funding earning assets1.0579%6,098
Net interest margin3.8192%3,711
Noninterest income to average assets0.5980%3,286
Noninterest expense to average assets3.0533%3,464
Loan and lease loss provision to assets0.1721%4,803
Net operating income to assets0.6693%3,577
Return on assets (ROA)0.6693%3,690
Pretax return on assets1.0114%3,050
Return on Equity (ROE)7.0955%3,293
Retained earnings to average equity (ytd only)7.0955%2,093
Net charge-offs to loans0.2672%3,340
Credit loss provision to net charge-offs80.8511%3,857
Earnings coverage of net charge-offs (x)5.5585%2,374
Efficiency ratio72.0663%3,917
Assets per employee ($millions)3.1735%5,826
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.9466%6,682
Loan loss allowance to noncurrent loans98.7013%2,812
Noncurrent assets plus other real estate owned to assets0.7841%5,584
Noncurrent loans to loans0.9591%5,420
Net loans and leases to total assets78.3113%1,091
Net loans and leases to deposits87.9047%2,241
Net loans and leases to core deposits90.9425%3,237
Total domestic deposits to total assets89.0866%1,478
Equity capital to assets9.4783%4,567
Core capital (leverage) ratio9.5127%3,748
Tier 1 risk-based capital ratio18.2530%1,886
Total risk-based capital ratio19.4363%1,876
Memoranda:
Average total assets$353,188,5001,941
Average earning assets$336,510,0001,860
Average equity$33,317,0002,012
Average total loans$281,416,5001,673
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1178%6,009
Cost of funding earning assets1.3934%5,955
Net interest margin3.7244%4,026
Noninterest income to average assets0.5648%3,907
Noninterest expense to average assets3.1917%3,403
Loan and lease loss provision to assets0.2207%5,596
Net operating income to assets0.4789%3,816
Return on assets (ROA)0.4789%3,917
Pretax return on assets0.7198%3,508
Return on Equity (ROE)5.0513%3,647
Retained earnings to average equity (ytd only)5.0513%1,794
Net charge-offs to loans0.1506%5,747
Credit loss provision to net charge-offs179.2857%2,327
Earnings coverage of net charge-offs (x)7.6405%2,110
Efficiency ratio77.2395%3,322
Assets per employee ($millions)3.1616%5,820
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.9566%6,601
Loan loss allowance to noncurrent loans116.9124%2,410
Noncurrent assets plus other real estate owned to assets0.6833%5,741
Noncurrent loans to loans0.8182%5,650
Net loans and leases to total assets79.5377%1,081
Net loans and leases to deposits89.4654%2,309
Net loans and leases to core deposits99.7762%4,027
Total domestic deposits to total assets88.9033%1,522
Equity capital to assets9.3876%4,580
Core capital (leverage) ratio9.4984%3,726
Tier 1 risk-based capital ratio17.8598%1,926
Total risk-based capital ratio19.1114%1,884
Memoranda:
Average total assets$341,196,0001,993
Average earning assets$326,818,0001,906
Average equity$32,348,0002,070
Average total loans$278,946,8001,727
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1534%6,097
Cost of funding earning assets1.4732%5,943
Net interest margin3.6802%4,165
Noninterest income to average assets0.5447%4,122
Noninterest expense to average assets3.1400%3,500
Loan and lease loss provision to assets0.2354%5,089
Net operating income to assets0.4664%4,135
Return on assets (ROA)0.4664%4,231
Pretax return on assets0.7002%3,858
Return on Equity (ROE)4.9069%4,005
Retained earnings to average equity (ytd only)4.9069%2,551
Net charge-offs to loans0.1337%5,361
Credit loss provision to net charge-offs214.3369%2,047
Earnings coverage of net charge-offs (x)8.5197%2,231
Efficiency ratio77.0449%3,311
Assets per employee ($millions)3.1754%5,711
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.9514%6,535
Loan loss allowance to noncurrent loans103.8730%2,678
Noncurrent assets plus other real estate owned to assets0.7549%5,620
Noncurrent loans to loans0.9160%5,460
Net loans and leases to total assets81.4132%913
Net loans and leases to deposits91.8147%2,261
Net loans and leases to core deposits102.6074%4,094
Total domestic deposits to total assets88.6711%1,352
Equity capital to assets9.5455%4,684
Core capital (leverage) ratio9.4872%3,924
Tier 1 risk-based capital ratio17.9132%2,013
Total risk-based capital ratio19.1512%1,967
Memoranda:
Average total assets$338,759,2502,025
Average earning assets$325,009,0001,930
Average equity$32,198,7502,093
Average total loans$278,226,5001,755
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1919%6,107
Cost of funding earning assets1.5447%5,948
Net interest margin3.6472%4,181
Noninterest income to average assets0.5300%4,187
Noninterest expense to average assets3.1136%3,648
Loan and lease loss provision to assets0.1126%6,019
Net operating income to assets0.5377%3,951
Return on assets (ROA)0.5377%4,054
Pretax return on assets0.8086%3,643
Return on Equity (ROE)5.6653%3,797
Retained earnings to average equity (ytd only)5.6653%2,173
Net charge-offs to loans0.1025%5,135
Credit loss provision to net charge-offs133.8028%3,485
Earnings coverage of net charge-offs (x)10.9437%1,951
Efficiency ratio77.1672%3,484
Assets per employee ($millions)3.1407%5,742
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.8634%6,925
Loan loss allowance to noncurrent loans100.4165%2,889
Noncurrent assets plus other real estate owned to assets0.7069%5,639
Noncurrent loans to loans0.8598%5,498
Net loans and leases to total assets80.8678%1,163
Net loans and leases to deposits91.1320%2,624
Net loans and leases to core deposits102.1788%4,269
Total domestic deposits to total assets88.7370%1,412
Equity capital to assets9.4540%4,670
Core capital (leverage) ratio9.4800%3,922
Tier 1 risk-based capital ratio17.8589%2,057
Total risk-based capital ratio19.1098%1,996
Memoranda:
Average total assets$337,363,3302,056
Average earning assets$324,195,6701,957
Average equity$32,019,6702,109
Average total loans$277,006,6701,787
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2958%5,907
Cost of funding earning assets1.6272%5,916
Net interest margin3.6686%4,028
Noninterest income to average assets0.5136%4,199
Noninterest expense to average assets2.9360%4,031
Loan and lease loss provision to assets0.1003%5,682
Net operating income to assets0.6713%3,701
Return on assets (ROA)0.6713%3,883
Pretax return on assets1.0105%3,313
Return on Equity (ROE)7.0586%3,571
Retained earnings to average equity (ytd only)7.0586%2,188
Net charge-offs to loans0.0493%4,790
Credit loss provision to net charge-offs247.0588%1,898
Earnings coverage of net charge-offs (x)27.3529%1,137
Efficiency ratio72.5502%4,095
Assets per employee ($millions)3.1317%5,805
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.8698%6,875
Loan loss allowance to noncurrent loans120.5897%2,593
Noncurrent assets plus other real estate owned to assets0.5971%5,686
Noncurrent loans to loans0.7213%5,616
Net loans and leases to total assets82.0660%1,007
Net loans and leases to deposits92.6072%2,497
Net loans and leases to core deposits104.4499%4,089
Total domestic deposits to total assets88.6173%1,414
Equity capital to assets9.5752%4,562
Core capital (leverage) ratio9.5166%3,957
Tier 1 risk-based capital ratio17.8008%2,100
Total risk-based capital ratio19.0516%2,050
Memoranda:
Average total assets$334,878,5002,079
Average earning assets$322,521,5001,970
Average equity$31,847,5002,127
Average total loans$275,886,0001,795
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8923%6,074
Cost of funding earning assets1.9993%6,419
Net interest margin3.8930%3,592
Noninterest income to average assets0.6095%3,777
Noninterest expense to average assets2.9626%4,216
Loan and lease loss provision to assets0.0904%6,254
Net operating income to assets0.8338%3,290
Return on assets (ROA)0.8560%3,041
Pretax return on assets1.2782%2,383
Return on Equity (ROE)8.9174%2,670
Retained earnings to average equity (ytd only)4.8024%2,150
Net charge-offs to loans0.0645%5,853
Credit loss provision to net charge-offs170.0000%3,013
Earnings coverage of net charge-offs (x)25.1176%1,347
Efficiency ratio68.9296%4,556
Assets per employee ($millions)3.2179%5,434
Cash dividends to net income (ytd only)*46.1454%3,331
Condition Ratios (%)
Loss allowance to loans0.8613%6,847
Loan loss allowance to noncurrent loans100.7676%3,430
Noncurrent assets plus other real estate owned to assets0.7007%5,122
Noncurrent loans to loans0.8547%4,912
Net loans and leases to total assets81.2751%1,367
Net loans and leases to deposits93.3760%2,880
Net loans and leases to core deposits105.9096%4,206
Total domestic deposits to total assets87.0406%1,915
Equity capital to assets9.4451%4,759
Core capital (leverage) ratio9.5256%3,982
Tier 1 risk-based capital ratio17.5817%2,155
Total risk-based capital ratio18.8147%2,099
Memoranda:
Average total assets$319,749,8002,087
Average earning assets$302,956,2002,019
Average equity$30,692,8002,196
Average total loans$263,486,8001,813