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Metro 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 assets4.6371%2,808
Cost of funding earning assets0.8365%3,642
Net interest margin3.8006%1,560
Noninterest income to average assets0.5000%1,995
Noninterest expense to average assets2.0048%3,614
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets1.6441%803
Return on assets (ROA)1.6441%774
Pretax return on assets2.1219%549
Return on Equity (ROE)12.0900%1,931
Retained earnings to average equity (ytd only)9.2000%1,208
Net charge-offs to loans0.0175%2,014
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)256.2262%484
Efficiency ratio48.5809%4,060
Assets per employee ($millions)6.1569%2,687
Cash dividends to net income (ytd only)*23.9266%2,799
Condition Ratios (%)
Loss allowance to loans1.3789%1,466
Loan loss allowance to noncurrent loans438.1830%1,574
Noncurrent assets plus other real estate owned to assets0.2189%2,133
Noncurrent loans to loans0.3147%2,063
Net loans and leases to total assets48.5600%3,697
Net loans and leases to deposits56.9664%3,666
Net loans and leases to core deposits63.5686%3,607
Total domestic deposits to total assets85.2400%2,230
Equity capital to assets14.1135%662
Core capital (leverage) ratio14.8552%642
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$1,014,318,800975
Average earning assets$967,413,600938
Average equity$137,890,800719
Average total loans$480,460,6001,274
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5728%2,745
Cost of funding earning assets0.7242%3,715
Net interest margin3.8486%1,496
Noninterest income to average assets0.5000%1,963
Noninterest expense to average assets2.0189%3,546
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets1.6483%865
Return on assets (ROA)1.6483%857
Pretax return on assets2.1434%603
Return on Equity (ROE)12.2400%2,066
Retained earnings to average equity (ytd only)12.2422%932
Net charge-offs to loans0.0227%1,637
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)201.2346%597
Efficiency ratio48.5041%4,015
Assets per employee ($millions)6.0806%2,674
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.5575%967
Loan loss allowance to noncurrent loans417.5824%1,633
Noncurrent assets plus other real estate owned to assets0.2480%2,014
Noncurrent loans to loans0.3730%1,896
Net loans and leases to total assets47.5900%3,759
Net loans and leases to deposits55.7625%3,725
Net loans and leases to core deposits61.6604%3,627
Total domestic deposits to total assets85.3400%2,401
Equity capital to assets14.0290%647
Core capital (leverage) ratio14.6868%683
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$1,013,926,750975
Average earning assets$964,547,750936
Average equity$136,519,250723
Average total loans$475,533,7501,282
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4643%2,735
Cost of funding earning assets0.5957%3,762
Net interest margin3.8686%1,488
Noninterest income to average assets0.4900%1,926
Noninterest expense to average assets1.9686%3,662
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.7171%760
Return on assets (ROA)1.7171%758
Pretax return on assets2.1996%535
Return on Equity (ROE)12.9300%1,915
Retained earnings to average equity (ytd only)12.9324%817
Net charge-offs to loans0.0263%1,360
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)180.1290%664
Efficiency ratio47.2287%4,109
Assets per employee ($millions)6.1358%2,587
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.5715%992
Loan loss allowance to noncurrent loans467.7103%1,633
Noncurrent assets plus other real estate owned to assets0.2434%1,979
Noncurrent loans to loans0.3360%1,923
Net loans and leases to total assets46.8500%3,750
Net loans and leases to deposits54.5270%3,717
Net loans and leases to core deposits59.3126%3,669
Total domestic deposits to total assets85.9300%2,250
Equity capital to assets13.5980%703
Core capital (leverage) ratio14.4573%686
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$1,015,441,667962
Average earning assets$964,179,667927
Average equity$134,823,667724
Average total loans$471,390,3331,275
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2904%2,824
Cost of funding earning assets0.4798%3,759
Net interest margin3.8106%1,666
Noninterest income to average assets0.4800%1,921
Noninterest expense to average assets1.9009%3,848
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets1.7176%795
Return on assets (ROA)1.7176%787
Pretax return on assets2.2103%560
Return on Equity (ROE)13.0100%1,984
Retained earnings to average equity (ytd only)13.0104%1,093
Net charge-offs to loans0.0516%847
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)93.4667%820
Efficiency ratio46.2372%4,204
Assets per employee ($millions)6.0782%2,696
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.1992%2,557
Loan loss allowance to noncurrent loans1,048.6940%950
Noncurrent assets plus other real estate owned to assets0.1411%2,521
Noncurrent loans to loans0.1143%2,949
Net loans and leases to total assets45.6200%3,793
Net loans and leases to deposits52.9712%3,737
Net loans and leases to core deposits57.1709%3,681
Total domestic deposits to total assets86.1300%2,546
Equity capital to assets13.4515%676
Core capital (leverage) ratio14.2127%704
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$1,014,892,000973
Average earning assets$967,828,500940
Average equity$133,985,000733
Average total loans$464,667,0001,304
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6589%2,643
Cost of funding earning assets0.2306%3,510
Net interest margin3.4284%2,155
Noninterest income to average assets0.6500%1,457
Noninterest expense to average assets1.9379%3,750
Loan and lease loss provision to assets0.1600%727
Net operating income to assets1.4201%1,078
Return on assets (ROA)1.4201%1,040
Pretax return on assets1.8294%685
Return on Equity (ROE)11.1900%2,409
Retained earnings to average equity (ytd only)8.5871%1,610
Net charge-offs to loans0.3965%189
Credit loss provision to net charge-offs93.6436%1,609
Earnings coverage of net charge-offs (x)11.4830%2,148
Efficiency ratio49.3136%4,171
Assets per employee ($millions)6.1874%2,606
Cash dividends to net income (ytd only)*23.2913%2,752
Condition Ratios (%)
Loss allowance to loans1.2334%2,231
Loan loss allowance to noncurrent loans1,118.3071%909
Noncurrent assets plus other real estate owned to assets0.1310%2,599
Noncurrent loans to loans0.1103%2,980
Net loans and leases to total assets44.8300%3,855
Net loans and leases to deposits51.6924%3,824
Net loans and leases to core deposits55.0788%3,763
Total domestic deposits to total assets86.7300%2,482
Equity capital to assets12.9522%718
Core capital (leverage) ratio13.5591%799
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$1,015,814,200966
Average earning assets$972,853,800928
Average equity$128,867,000758
Average total loans$444,372,4001,283
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4666%2,725
Cost of funding earning assets0.2155%3,082
Net interest margin3.2511%2,455
Noninterest income to average assets0.4900%2,220
Noninterest expense to average assets1.9159%3,710
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.3543%1,205
Return on assets (ROA)1.3543%1,181
Pretax return on assets1.6875%926
Return on Equity (ROE)10.7300%2,490
Retained earnings to average equity (ytd only)10.7318%1,125
Net charge-offs to loans0.0366%1,134
Credit loss provision to net charge-offs20.6612%1,626
Earnings coverage of net charge-offs (x)106.4876%921
Efficiency ratio53.1216%3,907
Assets per employee ($millions)6.3099%2,482
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.2559%2,235
Loan loss allowance to noncurrent loans253.1319%2,402
Noncurrent assets plus other real estate owned to assets0.3509%1,545
Noncurrent loans to loans0.4961%1,557
Net loans and leases to total assets43.2900%3,920
Net loans and leases to deposits49.7408%3,873
Net loans and leases to core deposits52.1246%3,848
Total domestic deposits to total assets87.0400%2,744
Equity capital to assets12.6350%742
Core capital (leverage) ratio13.4345%793
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$1,016,085,750970
Average earning assets$973,996,500932
Average equity$128,226,250776
Average total loans$440,316,2501,282
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2793%2,801
Cost of funding earning assets0.2168%2,681
Net interest margin3.0625%2,671
Noninterest income to average assets0.4933%2,239
Noninterest expense to average assets1.9268%3,642
Loan and lease loss provision to assets0.0050%2,513
Net operating income to assets1.2243%1,353
Return on assets (ROA)1.2243%1,336
Pretax return on assets1.5016%1,160
Return on Equity (ROE)9.7060%2,443
Retained earnings to average equity (ytd only)9.7060%1,098
Net charge-offs to loans0.0266%1,182
Credit loss provision to net charge-offs43.1034%1,522
Earnings coverage of net charge-offs (x)131.1552%704
Efficiency ratio56.1202%3,759
Assets per employee ($millions)6.1672%2,598
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.3412%2,004
Loan loss allowance to noncurrent loans284.8665%2,223
Noncurrent assets plus other real estate owned to assets0.3315%1,673
Noncurrent loans to loans0.4708%1,702
Net loans and leases to total assets41.3889%4,013
Net loans and leases to deposits47.4216%3,954
Net loans and leases to core deposits49.6596%3,953
Total domestic deposits to total assets87.2787%2,839
Equity capital to assets12.4347%778
Core capital (leverage) ratio13.1110%791
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,009,842,333970
Average earning assets$969,471,667937
Average equity$127,385,333788
Average total loans$435,854,6671,286
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1874%2,727
Cost of funding earning assets0.2213%2,512
Net interest margin2.9662%2,614
Noninterest income to average assets0.4878%2,204
Noninterest expense to average assets1.9659%3,519
Loan and lease loss provision to assets0.0100%2,142
Net operating income to assets1.1180%1,482
Return on assets (ROA)1.1180%1,473
Pretax return on assets1.3672%1,336
Return on Equity (ROE)8.7987%2,394
Retained earnings to average equity (ytd only)8.7987%1,329
Net charge-offs to loans0.0702%644
Credit loss provision to net charge-offs32.4675%1,256
Earnings coverage of net charge-offs (x)44.8442%963
Efficiency ratio58.8046%3,601
Assets per employee ($millions)6.3005%2,554
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.3089%2,315
Loan loss allowance to noncurrent loans221.3184%2,480
Noncurrent assets plus other real estate owned to assets0.3904%1,541
Noncurrent loans to loans0.5914%1,577
Net loans and leases to total assets42.4097%3,858
Net loans and leases to deposits48.6447%3,837
Net loans and leases to core deposits51.0848%3,796
Total domestic deposits to total assets87.1826%2,861
Equity capital to assets12.4873%809
Core capital (leverage) ratio13.1099%755
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,002,890,000979
Average earning assets$965,417,000949
Average equity$127,428,000805
Average total loans$439,043,0001,272
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4768%2,727
Cost of funding earning assets0.2909%2,501
Net interest margin3.1859%2,639
Noninterest income to average assets0.5665%2,295
Noninterest expense to average assets2.1293%3,306
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.2388%1,779
Return on assets (ROA)1.2388%1,843
Pretax return on assets1.4971%1,740
Return on Equity (ROE)9.4143%2,749
Retained earnings to average equity (ytd only)7.0465%1,903
Net charge-offs to loans0.0000%2,705
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.7164%3,326
Assets per employee ($millions)6.3147%2,472
Cash dividends to net income (ytd only)*25.1519%2,782
Condition Ratios (%)
Loss allowance to loans1.3182%2,278
Loan loss allowance to noncurrent loans250.9965%2,296
Noncurrent assets plus other real estate owned to assets0.3901%1,667
Noncurrent loans to loans0.5252%1,816
Net loans and leases to total assets44.0244%3,836
Net loans and leases to deposits50.7559%3,834
Net loans and leases to core deposits53.4238%3,798
Total domestic deposits to total assets86.7375%2,605
Equity capital to assets12.9328%920
Core capital (leverage) ratio12.9271%820
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$943,565,400999
Average earning assets$906,247,400977
Average equity$124,161,600834
Average total loans$450,576,0001,263
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5194%2,767
Cost of funding earning assets0.3086%2,511
Net interest margin3.2108%2,698
Noninterest income to average assets0.5781%2,309
Noninterest expense to average assets2.1659%3,184
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.2446%2,009
Return on assets (ROA)1.2446%2,073
Pretax return on assets1.4921%2,014
Return on Equity (ROE)9.4157%2,962
Retained earnings to average equity (ytd only)9.4157%1,530
Net charge-offs to loans0.0044%2,179
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)696.2000%226
Efficiency ratio59.2102%3,096
Assets per employee ($millions)5.9609%2,732
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.2786%2,593
Loan loss allowance to noncurrent loans201.4644%2,521
Noncurrent assets plus other real estate owned to assets0.5019%1,527
Noncurrent loans to loans0.6347%1,725
Net loans and leases to total assets45.3570%3,841
Net loans and leases to deposits52.3114%3,860
Net loans and leases to core deposits55.1564%3,844
Total domestic deposits to total assets86.7057%2,460
Equity capital to assets13.0040%977
Core capital (leverage) ratio13.2311%789
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$933,182,0001,023
Average earning assets$895,130,000999
Average equity$123,351,750853
Average total loans$453,350,7501,278
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6180%2,562
Cost of funding earning assets0.3334%2,460
Net interest margin3.2846%2,497
Noninterest income to average assets0.5866%2,274
Noninterest expense to average assets2.0716%3,480
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.3025%1,863
Return on assets (ROA)1.3025%1,929
Pretax return on assets1.6626%1,582
Return on Equity (ROE)9.7968%2,828
Retained earnings to average equity (ytd only)9.7968%1,462
Net charge-offs to loans-0.0004%3,038
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.4763%3,605
Assets per employee ($millions)5.8109%2,796
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.3182%2,349
Loan loss allowance to noncurrent loans229.9206%2,267
Noncurrent assets plus other real estate owned to assets0.4859%1,724
Noncurrent loans to loans0.5733%1,967
Net loans and leases to total assets45.5137%3,936
Net loans and leases to deposits52.5794%3,962
Net loans and leases to core deposits55.3711%3,936
Total domestic deposits to total assets86.5618%2,525
Equity capital to assets13.1103%915
Core capital (leverage) ratio13.4319%725
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$916,395,3331,033
Average earning assets$878,166,6671,010
Average equity$121,835,667856
Average total loans$453,840,0001,278
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6431%2,514
Cost of funding earning assets0.3666%2,387
Net interest margin3.2765%2,460
Noninterest income to average assets0.5563%2,386
Noninterest expense to average assets2.0577%3,538
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.2791%1,892
Return on assets (ROA)1.2791%1,963
Pretax return on assets1.6355%1,634
Return on Equity (ROE)9.5507%2,838
Retained earnings to average equity (ytd only)9.5507%1,786
Net charge-offs to loans0.0104%1,554
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)306.0000%290
Efficiency ratio55.7164%3,576
Assets per employee ($millions)5.5827%3,037
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.2570%2,631
Loan loss allowance to noncurrent loans234.3332%2,110
Noncurrent assets plus other real estate owned to assets0.5924%1,611
Noncurrent loans to loans0.5364%2,245
Net loans and leases to total assets49.2990%3,687
Net loans and leases to deposits57.0060%3,717
Net loans and leases to core deposits60.1201%3,692
Total domestic deposits to total assets86.4803%2,533
Equity capital to assets13.1689%866
Core capital (leverage) ratio13.7061%701
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$898,100,0001,040
Average earning assets$859,814,0001,012
Average equity$120,284,000860
Average total loans$460,993,5001,263
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1253%2,353
Cost of funding earning assets0.5615%2,552
Net interest margin3.5638%2,264
Noninterest income to average assets0.5881%2,265
Noninterest expense to average assets2.1327%3,863
Loan and lease loss provision to assets0.0974%3,121
Net operating income to assets1.3858%1,053
Return on assets (ROA)1.3858%1,144
Pretax return on assets1.7508%764
Return on Equity (ROE)9.2894%2,287
Retained earnings to average equity (ytd only)0.2033%4,457
Net charge-offs to loans0.0827%1,643
Credit loss provision to net charge-offs207.7922%2,125
Earnings coverage of net charge-offs (x)39.4182%1,402
Efficiency ratio53.5732%4,255
Assets per employee ($millions)5.4691%2,873
Cash dividends to net income (ytd only)*97.8118%281
Condition Ratios (%)
Loss allowance to loans1.2537%2,658
Loan loss allowance to noncurrent loans211.1921%2,253
Noncurrent assets plus other real estate owned to assets0.8558%1,175
Noncurrent loans to loans0.5936%2,213
Net loans and leases to total assets52.1451%3,648
Net loans and leases to deposits60.5848%3,715
Net loans and leases to core deposits63.9304%3,697
Total domestic deposits to total assets86.0695%2,336
Equity capital to assets13.6292%892
Core capital (leverage) ratio13.7779%724
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$821,111,2001,033
Average earning assets$781,716,4001,010
Average equity$122,494,200808
Average total loans$465,454,2001,195
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2640%2,210
Cost of funding earning assets0.6029%2,592
Net interest margin3.6611%2,058
Noninterest income to average assets0.6054%2,152
Noninterest expense to average assets2.1562%3,794
Loan and lease loss provision to assets0.1238%2,787
Net operating income to assets1.4252%1,044
Return on assets (ROA)1.4252%1,131
Pretax return on assets1.8090%762
Return on Equity (ROE)9.3351%2,268
Retained earnings to average equity (ytd only)9.3351%899
Net charge-offs to loans0.0961%1,345
Credit loss provision to net charge-offs223.2143%2,027
Earnings coverage of net charge-offs (x)34.8452%1,468
Efficiency ratio52.7312%4,280
Assets per employee ($millions)5.1801%3,035
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.2062%2,629
Loan loss allowance to noncurrent loans201.0413%2,192
Noncurrent assets plus other real estate owned to assets0.9675%1,155
Noncurrent loans to loans0.6000%2,305
Net loans and leases to total assets55.8406%3,639
Net loans and leases to deposits65.9963%3,624
Net loans and leases to core deposits70.3308%3,606
Total domestic deposits to total assets84.6118%2,592
Equity capital to assets15.0187%633
Core capital (leverage) ratio15.0561%531
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$807,625,7501,035
Average earning assets$768,489,2501,010
Average equity$123,302,000790
Average total loans$466,295,2501,196
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4597%2,036
Cost of funding earning assets0.6375%2,771
Net interest margin3.8222%1,769
Noninterest income to average assets0.5909%2,162
Noninterest expense to average assets2.1538%3,920
Loan and lease loss provision to assets0.1890%2,133
Net operating income to assets1.4754%968
Return on assets (ROA)1.4754%1,053
Pretax return on assets1.8849%686
Return on Equity (ROE)9.6084%2,109
Retained earnings to average equity (ytd only)9.6084%860
Net charge-offs to loans0.0736%1,513
Credit loss provision to net charge-offs441.1765%1,322
Earnings coverage of net charge-offs (x)48.4118%1,123
Efficiency ratio50.9447%4,444
Assets per employee ($millions)5.1243%3,032
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.2532%2,241
Loan loss allowance to noncurrent loans192.6608%2,197
Noncurrent assets plus other real estate owned to assets1.0126%1,185
Noncurrent loans to loans0.6505%2,233
Net loans and leases to total assets55.8738%3,698
Net loans and leases to deposits65.9143%3,729
Net loans and leases to core deposits70.3885%3,668
Total domestic deposits to total assets84.7673%2,486
Equity capital to assets14.8521%647
Core capital (leverage) ratio15.3048%528
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$793,657,0001,033
Average earning assets$755,168,0001,008
Average equity$121,873,000792
Average total loans$461,668,3331,189
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5574%2,130
Cost of funding earning assets0.6712%3,052
Net interest margin3.8861%1,716
Noninterest income to average assets0.5634%2,214
Noninterest expense to average assets2.2854%3,800
Loan and lease loss provision to assets0.0779%2,745
Net operating income to assets1.4825%815
Return on assets (ROA)1.4825%889
Pretax return on assets1.8980%571
Return on Equity (ROE)9.4849%1,920
Retained earnings to average equity (ytd only)9.4849%848
Net charge-offs to loans0.1196%988
Credit loss provision to net charge-offs110.2941%1,754
Earnings coverage of net charge-offs (x)27.9779%1,223
Efficiency ratio53.6315%4,422
Assets per employee ($millions)4.5981%3,131
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1663%2,845
Loan loss allowance to noncurrent loans153.1383%2,509
Noncurrent assets plus other real estate owned to assets1.1450%1,113
Noncurrent loans to loans0.7616%2,094
Net loans and leases to total assets58.7996%3,608
Net loans and leases to deposits70.1138%3,582
Net loans and leases to core deposits75.1643%3,557
Total domestic deposits to total assets83.8632%2,832
Equity capital to assets15.6778%636
Core capital (leverage) ratio15.8384%537
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$770,296,0001,031
Average earning assets$732,968,0001,004
Average equity$120,402,500797
Average total loans$454,747,0001,176
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7495%2,192
Cost of funding earning assets0.6820%3,252
Net interest margin4.0675%1,631
Noninterest income to average assets0.6470%2,016
Noninterest expense to average assets2.4049%3,679
Loan and lease loss provision to assets0.0335%3,344
Net operating income to assets1.6306%777
Return on assets (ROA)1.6306%829
Pretax return on assets2.0645%520
Return on Equity (ROE)10.5800%2,051
Retained earnings to average equity (ytd only)8.2070%910
Net charge-offs to loans0.1363%1,421
Credit loss provision to net charge-offs42.2297%3,188
Earnings coverage of net charge-offs (x)26.4544%1,696
Efficiency ratio53.4079%4,484
Assets per employee ($millions)4.6273%3,050
Cash dividends to net income (ytd only)*22.4285%3,396
Condition Ratios (%)
Loss allowance to loans1.2027%2,426
Loan loss allowance to noncurrent loans126.3331%2,883
Noncurrent assets plus other real estate owned to assets1.2348%932
Noncurrent loans to loans0.9520%1,610
Net loans and leases to total assets57.8647%3,778
Net loans and leases to deposits68.9467%3,746
Net loans and leases to core deposits74.0296%3,720
Total domestic deposits to total assets83.9267%2,864
Equity capital to assets15.5827%675
Core capital (leverage) ratio15.5986%575
Tier 1 risk-based capital ratio21.1321%1,144
Total risk-based capital ratio22.0874%1,167
Memoranda:
Average total assets$746,476,6001,029
Average earning assets$707,634,6001,005
Average equity$115,047,800791
Average total loans$434,392,6001,190
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7533%2,262
Cost of funding earning assets0.6746%3,333
Net interest margin4.0787%1,678
Noninterest income to average assets0.6481%1,996
Noninterest expense to average assets2.4183%3,635
Loan and lease loss provision to assets0.0180%3,547
Net operating income to assets1.6419%840
Return on assets (ROA)1.6419%886
Pretax return on assets2.0728%586
Return on Equity (ROE)10.6836%2,146
Retained earnings to average equity (ytd only)10.6836%587
Net charge-offs to loans0.1660%1,015
Credit loss provision to net charge-offs18.6220%2,972
Earnings coverage of net charge-offs (x)21.6742%1,902
Efficiency ratio53.6313%4,434
Assets per employee ($millions)4.5633%3,101
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.1849%2,587
Loan loss allowance to noncurrent loans131.7706%2,845
Noncurrent assets plus other real estate owned to assets1.2395%1,004
Noncurrent loans to loans0.8992%1,779
Net loans and leases to total assets57.8253%3,894
Net loans and leases to deposits68.9221%3,847
Net loans and leases to core deposits73.9796%3,832
Total domestic deposits to total assets83.8995%2,860
Equity capital to assets15.5723%717
Core capital (leverage) ratio15.8165%581
Tier 1 risk-based capital ratio23.1812%929
Total risk-based capital ratio24.2133%930
Memoranda:
Average total assets$742,219,0001,032
Average earning assets$702,588,7501,006
Average equity$114,066,000796
Average total loans$431,196,0001,205
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7350%2,262
Cost of funding earning assets0.6562%3,374
Net interest margin4.0788%1,676
Noninterest income to average assets0.6533%1,904
Noninterest expense to average assets2.4522%3,602
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets1.6346%844
Return on assets (ROA)1.6346%881
Pretax return on assets2.0560%611
Return on Equity (ROE)10.6851%2,100
Retained earnings to average equity (ytd only)10.6851%607
Net charge-offs to loans0.1994%827
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)17.7929%1,880
Efficiency ratio54.3936%4,424
Assets per employee ($millions)4.4003%3,285
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.2262%2,379
Loan loss allowance to noncurrent loans130.3224%2,880
Noncurrent assets plus other real estate owned to assets1.3153%954
Noncurrent loans to loans0.9409%1,728
Net loans and leases to total assets57.0165%4,009
Net loans and leases to deposits67.8068%3,982
Net loans and leases to core deposits72.7878%3,961
Total domestic deposits to total assets84.0868%2,822
Equity capital to assets15.4459%719
Core capital (leverage) ratio15.6310%600
Tier 1 risk-based capital ratio22.9917%947
Total risk-based capital ratio24.0454%941
Memoranda:
Average total assets$735,599,3301,039
Average earning assets$695,201,3301,018
Average equity$112,530,330799
Average total loans$426,275,3301,216
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6996%2,227
Cost of funding earning assets0.6283%3,419
Net interest margin4.0714%1,636
Noninterest income to average assets0.6647%1,753
Noninterest expense to average assets2.4668%3,592
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets1.6354%830
Return on assets (ROA)1.6354%859
Pretax return on assets2.0467%588
Return on Equity (ROE)10.7437%2,056
Retained earnings to average equity (ytd only)10.7437%865
Net charge-offs to loans0.2503%580
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)14.0830%1,811
Efficiency ratio54.6537%4,475
Assets per employee ($millions)4.4469%3,261
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.2652%2,250
Loan loss allowance to noncurrent loans135.4943%2,848
Noncurrent assets plus other real estate owned to assets1.3186%982
Noncurrent loans to loans0.9338%1,797
Net loans and leases to total assets57.6685%3,928
Net loans and leases to deposits68.4031%3,893
Net loans and leases to core deposits73.0235%3,863
Total domestic deposits to total assets84.3068%2,943
Equity capital to assets15.2421%703
Core capital (leverage) ratio15.4099%615
Tier 1 risk-based capital ratio22.3317%1,013
Total risk-based capital ratio23.4144%1,011
Memoranda:
Average total assets$729,370,5001,047
Average earning assets$689,499,0001,024
Average equity$111,023,500803
Average total loans$423,507,5001,225
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5314%2,365
Cost of funding earning assets0.5090%3,296
Net interest margin4.0224%1,915
Noninterest income to average assets0.4903%2,885
Noninterest expense to average assets2.4000%3,880
Loan and lease loss provision to assets0.0654%2,843
Net operating income to assets1.4523%1,266
Return on assets (ROA)1.4523%1,257
Pretax return on assets1.8133%887
Return on Equity (ROE)9.9295%2,544
Retained earnings to average equity (ytd only)7.5590%1,433
Net charge-offs to loans-0.0897%5,126
Credit loss provision to net charge-offs-133.0532%4,424
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.0918%4,397
Assets per employee ($millions)4.1893%3,628
Cash dividends to net income (ytd only)*23.8727%3,324
Condition Ratios (%)
Loss allowance to loans1.3755%1,736
Loan loss allowance to noncurrent loans106.8560%3,309
Noncurrent assets plus other real estate owned to assets1.5266%764
Noncurrent loans to loans1.2872%1,231
Net loans and leases to total assets56.9199%4,057
Net loans and leases to deposits67.4861%4,010
Net loans and leases to core deposits71.6933%4,013
Total domestic deposits to total assets84.3432%2,893
Equity capital to assets15.2010%668
Core capital (leverage) ratio15.1827%653
Tier 1 risk-based capital ratio22.4541%975
Total risk-based capital ratio23.6267%952
Memoranda:
Average total assets$726,841,0001,021
Average earning assets$684,542,0001,008
Average equity$106,310,000805
Average total loans$398,113,6001,261
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4804%2,363
Cost of funding earning assets0.4873%3,277
Net interest margin3.9931%1,979
Noninterest income to average assets0.5845%2,392
Noninterest expense to average assets2.3933%3,869
Loan and lease loss provision to assets0.0869%2,234
Net operating income to assets1.4834%1,242
Return on assets (ROA)1.4834%1,238
Pretax return on assets1.8626%876
Return on Equity (ROE)10.2413%2,507
Retained earnings to average equity (ytd only)10.2413%841
Net charge-offs to loans0.1463%1,128
Credit loss provision to net charge-offs109.9537%2,112
Earnings coverage of net charge-offs (x)24.6549%1,805
Efficiency ratio55.1083%4,497
Assets per employee ($millions)4.3610%3,341
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.2233%2,491
Loan loss allowance to noncurrent loans109.2379%3,303
Noncurrent assets plus other real estate owned to assets1.6011%781
Noncurrent loans to loans1.1198%1,521
Net loans and leases to total assets54.6715%4,311
Net loans and leases to deposits64.6468%4,299
Net loans and leases to core deposits68.3231%4,283
Total domestic deposits to total assets84.5695%2,776
Equity capital to assets15.0490%704
Core capital (leverage) ratio15.1521%668
Tier 1 risk-based capital ratio23.0157%936
Total risk-based capital ratio24.0512%933
Memoranda:
Average total assets$728,412,2501,020
Average earning assets$685,602,0001,004
Average equity$105,504,500810
Average total loans$393,677,0001,278
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4219%2,346
Cost of funding earning assets0.4703%3,222
Net interest margin3.9516%2,028
Noninterest income to average assets0.5763%2,447
Noninterest expense to average assets2.3697%3,977
Loan and lease loss provision to assets0.0961%2,006
Net operating income to assets1.4658%1,239
Return on assets (ROA)1.4658%1,240
Pretax return on assets1.8296%902
Return on Equity (ROE)10.2536%2,450
Retained earnings to average equity (ytd only)10.2536%853
Net charge-offs to loans0.1521%1,014
Credit loss provision to net charge-offs117.8451%1,814
Earnings coverage of net charge-offs (x)23.6162%1,704
Efficiency ratio55.1678%4,567
Assets per employee ($millions)4.3067%3,412
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.2295%2,556
Loan loss allowance to noncurrent loans135.4070%2,934
Noncurrent assets plus other real estate owned to assets1.4720%909
Noncurrent loans to loans0.9080%1,905
Net loans and leases to total assets54.2136%4,321
Net loans and leases to deposits63.7405%4,294
Net loans and leases to core deposits66.6559%4,334
Total domestic deposits to total assets85.0537%2,649
Equity capital to assets14.5923%784
Core capital (leverage) ratio14.8405%707
Tier 1 risk-based capital ratio22.4258%990
Total risk-based capital ratio23.4629%996
Memoranda:
Average total assets$728,452,3301,022
Average earning assets$685,591,0001,009
Average equity$104,139,000818
Average total loans$390,536,3301,282
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4007%2,194
Cost of funding earning assets0.4696%3,047
Net interest margin3.9311%1,926
Noninterest income to average assets0.5846%2,338
Noninterest expense to average assets2.3991%3,947
Loan and lease loss provision to assets0.1129%1,672
Net operating income to assets1.4247%1,270
Return on assets (ROA)1.4247%1,277
Pretax return on assets1.7688%966
Return on Equity (ROE)10.0709%2,389
Retained earnings to average equity (ytd only)10.0709%1,133
Net charge-offs to loans0.1725%840
Credit loss provision to net charge-offs123.4940%1,365
Earnings coverage of net charge-offs (x)20.5904%1,462
Efficiency ratio56.0442%4,574
Assets per employee ($millions)4.2797%3,519
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2804%2,335
Loan loss allowance to noncurrent loans118.0402%3,154
Noncurrent assets plus other real estate owned to assets1.6729%779
Noncurrent loans to loans1.0847%1,688
Net loans and leases to total assets52.2144%4,423
Net loans and leases to deposits61.2634%4,382
Net loans and leases to core deposits63.7927%4,437
Total domestic deposits to total assets85.2293%2,846
Equity capital to assets14.3064%816
Core capital (leverage) ratio14.3995%787
Tier 1 risk-based capital ratio22.6168%979
Total risk-based capital ratio23.6873%978
Memoranda:
Average total assets$726,612,5001,036
Average earning assets$683,164,5001,019
Average equity$102,791,000829
Average total loans$384,876,5001,304
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3709%2,111
Cost of funding earning assets0.5017%2,324
Net interest margin3.8693%2,186
Noninterest income to average assets0.6197%2,348
Noninterest expense to average assets2.2669%4,410
Loan and lease loss provision to assets0.1900%1,109
Net operating income to assets1.1310%1,752
Return on assets (ROA)1.1310%1,783
Pretax return on assets1.7656%865
Return on Equity (ROE)8.0847%2,758
Retained earnings to average equity (ytd only)5.7607%1,680
Net charge-offs to loans0.4665%511
Credit loss provision to net charge-offs76.9231%2,990
Earnings coverage of net charge-offs (x)7.9174%2,975
Efficiency ratio53.6864%4,972
Assets per employee ($millions)4.2687%3,544
Cash dividends to net income (ytd only)*28.7456%3,352
Condition Ratios (%)
Loss allowance to loans1.2698%2,379
Loan loss allowance to noncurrent loans109.6456%3,358
Noncurrent assets plus other real estate owned to assets2.1137%513
Noncurrent loans to loans1.1581%1,534
Net loans and leases to total assets52.3722%4,495
Net loans and leases to deposits61.1577%4,499
Net loans and leases to core deposits63.6695%4,552
Total domestic deposits to total assets85.6348%2,600
Equity capital to assets13.9864%917
Core capital (leverage) ratio14.1546%802
Tier 1 risk-based capital ratio22.2106%995
Total risk-based capital ratio23.2802%993
Memoranda:
Average total assets$710,541,6001,029
Average earning assets$661,598,2001,022
Average equity$99,397,400833
Average total loans$376,231,4001,298
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3655%2,058
Cost of funding earning assets0.5063%2,213
Net interest margin3.8591%2,189
Noninterest income to average assets0.6142%2,395
Noninterest expense to average assets2.3270%4,225
Loan and lease loss provision to assets0.2254%820
Net operating income to assets1.1932%1,724
Return on assets (ROA)1.1932%1,755
Pretax return on assets1.6507%1,241
Return on Equity (ROE)8.5293%2,856
Retained earnings to average equity (ytd only)8.5293%1,000
Net charge-offs to loans0.5824%338
Credit loss provision to net charge-offs73.1334%2,668
Earnings coverage of net charge-offs (x)6.0863%3,020
Efficiency ratio55.3636%4,805
Assets per employee ($millions)4.2001%3,641
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.2690%2,525
Loan loss allowance to noncurrent loans99.4266%3,531
Noncurrent assets plus other real estate owned to assets2.1592%575
Noncurrent loans to loans1.2763%1,505
Net loans and leases to total assets52.9031%4,501
Net loans and leases to deposits62.0714%4,507
Net loans and leases to core deposits64.7418%4,569
Total domestic deposits to total assets85.2295%2,628
Equity capital to assets14.2988%914
Core capital (leverage) ratio14.4658%775
Tier 1 risk-based capital ratio22.4279%1,001
Total risk-based capital ratio23.4944%1,000
Memoranda:
Average total assets$706,756,0001,038
Average earning assets$657,264,5001,033
Average equity$98,872,500838
Average total loans$374,053,0001,313
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3273%2,043
Cost of funding earning assets0.5050%2,129
Net interest margin3.8222%2,200
Noninterest income to average assets0.6585%2,174
Noninterest expense to average assets2.3287%4,267
Loan and lease loss provision to assets0.3209%464
Net operating income to assets1.1489%1,780
Return on assets (ROA)1.1489%1,833
Pretax return on assets1.5677%1,440
Return on Equity (ROE)8.2742%2,880
Retained earnings to average equity (ytd only)8.2742%1,060
Net charge-offs to loans0.8529%229
Credit loss provision to net charge-offs71.3834%2,369
Earnings coverage of net charge-offs (x)4.2015%2,965
Efficiency ratio55.2182%4,905
Assets per employee ($millions)4.2571%3,510
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.3129%2,347
Loan loss allowance to noncurrent loans107.0781%3,447
Noncurrent assets plus other real estate owned to assets2.1818%551
Noncurrent loans to loans1.2261%1,589
Net loans and leases to total assets50.2826%4,689
Net loans and leases to deposits58.5653%4,727
Net loans and leases to core deposits61.1852%4,757
Total domestic deposits to total assets85.8573%2,439
Equity capital to assets13.7926%1,048
Core capital (leverage) ratio14.0238%860
Tier 1 risk-based capital ratio22.6311%980
Total risk-based capital ratio23.7287%980
Memoranda:
Average total assets$704,335,3301,041
Average earning assets$655,793,6701,036
Average equity$97,798,000848
Average total loans$371,206,3301,319
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3459%1,827
Cost of funding earning assets0.5071%2,026
Net interest margin3.8388%1,988
Noninterest income to average assets0.7238%1,857
Noninterest expense to average assets2.3834%4,170
Loan and lease loss provision to assets0.2966%464
Net operating income to assets1.1718%1,578
Return on assets (ROA)1.1718%1,622
Pretax return on assets1.6181%1,189
Return on Equity (ROE)8.4101%2,712
Retained earnings to average equity (ytd only)8.4101%1,306
Net charge-offs to loans0.7539%228
Credit loss provision to net charge-offs73.3618%1,803
Earnings coverage of net charge-offs (x)4.7365%2,353
Efficiency ratio55.4528%4,998
Assets per employee ($millions)4.2163%3,637
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.3791%2,168
Loan loss allowance to noncurrent loans67.3925%4,257
Noncurrent assets plus other real estate owned to assets2.5143%455
Noncurrent loans to loans2.0463%861
Net loans and leases to total assets52.1796%4,498
Net loans and leases to deposits60.9105%4,504
Net loans and leases to core deposits63.6220%4,560
Total domestic deposits to total assets85.6659%2,808
Equity capital to assets13.9740%910
Core capital (leverage) ratio14.1271%807
Tier 1 risk-based capital ratio22.2483%1,061
Total risk-based capital ratio23.4100%1,050
Memoranda:
Average total assets$694,652,0001,062
Average earning assets$646,765,0001,048
Average equity$96,788,500853
Average total loans$372,441,0001,325
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4509%1,687
Cost of funding earning assets0.5312%1,861
Net interest margin3.9197%1,903
Noninterest income to average assets0.5776%2,773
Noninterest expense to average assets2.3526%4,411
Loan and lease loss provision to assets0.2514%836
Net operating income to assets1.1819%1,560
Return on assets (ROA)1.1685%1,708
Pretax return on assets1.6081%1,255
Return on Equity (ROE)8.6011%2,612
Retained earnings to average equity (ytd only)6.5736%1,418
Net charge-offs to loans0.6379%351
Credit loss provision to net charge-offs71.6958%3,111
Earnings coverage of net charge-offs (x)5.3554%3,353
Efficiency ratio55.6118%5,097
Assets per employee ($millions)4.2036%3,616
Cash dividends to net income (ytd only)*23.5720%3,583
Condition Ratios (%)
Loss allowance to loans1.4134%2,026
Loan loss allowance to noncurrent loans99.4926%3,641
Noncurrent assets plus other real estate owned to assets2.3403%528
Noncurrent loans to loans1.4206%1,432
Net loans and leases to total assets53.5646%4,475
Net loans and leases to deposits62.4166%4,517
Net loans and leases to core deposits65.0810%4,575
Total domestic deposits to total assets85.8178%2,671
Equity capital to assets13.8921%924
Core capital (leverage) ratio13.9854%819
Tier 1 risk-based capital ratio22.1379%1,057
Total risk-based capital ratio23.3616%1,037
Memoranda:
Average total assets$686,165,2001,037
Average earning assets$639,469,4001,018
Average equity$93,220,800858
Average total loans$377,180,2001,256
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4765%1,619
Cost of funding earning assets0.5341%1,842
Net interest margin3.9424%1,842
Noninterest income to average assets0.5951%2,684
Noninterest expense to average assets2.3997%4,281
Loan and lease loss provision to assets0.2500%757
Net operating income to assets1.1553%1,785
Return on assets (ROA)1.1383%1,957
Pretax return on assets1.5906%1,409
Return on Equity (ROE)8.4261%2,796
Retained earnings to average equity (ytd only)8.4261%1,007
Net charge-offs to loans0.6938%267
Credit loss provision to net charge-offs65.3611%2,853
Earnings coverage of net charge-offs (x)4.8744%3,208
Efficiency ratio56.2779%5,035
Assets per employee ($millions)4.1751%3,646
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.4002%2,201
Loan loss allowance to noncurrent loans83.8296%3,965
Noncurrent assets plus other real estate owned to assets2.4338%571
Noncurrent loans to loans1.6703%1,264
Net loans and leases to total assets54.4335%4,457
Net loans and leases to deposits63.5337%4,519
Net loans and leases to core deposits66.3944%4,581
Total domestic deposits to total assets85.6766%2,525
Equity capital to assets13.9465%1,056
Core capital (leverage) ratio14.0589%830
Tier 1 risk-based capital ratio21.8955%1,153
Total risk-based capital ratio23.1091%1,132
Memoranda:
Average total assets$685,358,5001,042
Average earning assets$637,800,2501,026
Average equity$92,583,250866
Average total loans$377,834,2501,248
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4848%1,562
Cost of funding earning assets0.5349%1,825
Net interest margin3.9499%1,805
Noninterest income to average assets0.5569%2,869
Noninterest expense to average assets2.4683%4,127
Loan and lease loss provision to assets0.1517%1,510
Net operating income to assets1.1450%1,790
Return on assets (ROA)1.1450%1,907
Pretax return on assets1.6118%1,339
Return on Equity (ROE)8.5687%2,716
Retained earnings to average equity (ytd only)8.5687%988
Net charge-offs to loans0.3415%690
Credit loss provision to net charge-offs80.6202%2,361
Earnings coverage of net charge-offs (x)9.3721%2,425
Efficiency ratio58.3276%4,858
Assets per employee ($millions)4.1337%3,682
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.5606%1,648
Loan loss allowance to noncurrent loans87.6930%3,958
Noncurrent assets plus other real estate owned to assets2.6656%491
Noncurrent loans to loans1.7796%1,171
Net loans and leases to total assets54.1028%4,501
Net loans and leases to deposits62.9661%4,575
Net loans and leases to core deposits65.8924%4,617
Total domestic deposits to total assets85.9238%2,459
Equity capital to assets13.7182%1,138
Core capital (leverage) ratio13.6526%928
Tier 1 risk-based capital ratio21.8326%1,154
Total risk-based capital ratio23.0840%1,138
Memoranda:
Average total assets$685,572,0001,043
Average earning assets$637,837,6701,030
Average equity$91,613,000875
Average total loans$377,776,0001,253
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4615%1,622
Cost of funding earning assets0.5360%1,819
Net interest margin3.9255%1,862
Noninterest income to average assets0.6076%2,487
Noninterest expense to average assets2.4070%4,342
Loan and lease loss provision to assets0.2968%534
Net operating income to assets1.1558%1,690
Return on assets (ROA)1.1558%1,808
Pretax return on assets1.5864%1,334
Return on Equity (ROE)8.7647%2,532
Retained earnings to average equity (ytd only)8.7647%1,183
Net charge-offs to loans0.5189%416
Credit loss provision to net charge-offs103.6585%1,576
Earnings coverage of net charge-offs (x)6.5772%2,231
Efficiency ratio56.1042%5,182
Assets per employee ($millions)4.2108%3,572
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.6058%1,587
Loan loss allowance to noncurrent loans103.4346%3,555
Noncurrent assets plus other real estate owned to assets2.4096%636
Noncurrent loans to loans1.5525%1,504
Net loans and leases to total assets53.1750%4,522
Net loans and leases to deposits61.5631%4,612
Net loans and leases to core deposits64.3827%4,665
Total domestic deposits to total assets86.3749%2,507
Equity capital to assets13.2685%1,283
Core capital (leverage) ratio13.3331%1,044
Tier 1 risk-based capital ratio21.5211%1,230
Total risk-based capital ratio22.7730%1,206
Memoranda:
Average total assets$687,326,0001,037
Average earning assets$644,803,5001,021
Average equity$90,636,000879
Average total loans$379,231,0001,244
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6587%1,199
Cost of funding earning assets0.5790%1,501
Net interest margin4.0797%1,460
Noninterest income to average assets0.5301%3,138
Noninterest expense to average assets2.4530%4,379
Loan and lease loss provision to assets0.1655%1,388
Net operating income to assets1.2454%1,397
Return on assets (ROA)1.2454%1,453
Pretax return on assets1.7220%949
Return on Equity (ROE)9.7387%2,109
Retained earnings to average equity (ytd only)7.5643%1,078
Net charge-offs to loans0.3816%752
Credit loss provision to net charge-offs73.9159%3,059
Earnings coverage of net charge-offs (x)8.4297%2,953
Efficiency ratio56.5144%5,298
Assets per employee ($millions)4.2489%3,491
Cash dividends to net income (ytd only)*22.3272%3,694
Condition Ratios (%)
Loss allowance to loans1.5509%1,799
Loan loss allowance to noncurrent loans103.1595%3,625
Noncurrent assets plus other real estate owned to assets2.3190%697
Noncurrent loans to loans1.5034%1,543
Net loans and leases to total assets55.4441%4,344
Net loans and leases to deposits64.0732%4,462
Net loans and leases to core deposits67.1947%4,495
Total domestic deposits to total assets86.5325%2,362
Equity capital to assets13.1043%1,298
Core capital (leverage) ratio13.3643%1,012
Tier 1 risk-based capital ratio20.6630%1,357
Total risk-based capital ratio21.9146%1,329
Memoranda:
Average total assets$679,726,8001,016
Average earning assets$634,872,6001,000
Average equity$86,921,000876
Average total loans$398,799,0001,158
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6538%1,197
Cost of funding earning assets0.5866%1,486
Net interest margin4.0673%1,505
Noninterest income to average assets0.5312%3,157
Noninterest expense to average assets2.4356%4,401
Loan and lease loss provision to assets0.2014%997
Net operating income to assets1.2210%1,581
Return on assets (ROA)1.2210%1,645
Pretax return on assets1.6924%1,127
Return on Equity (ROE)9.6085%2,260
Retained earnings to average equity (ytd only)9.6085%710
Net charge-offs to loans0.4906%490
Credit loss provision to net charge-offs69.2568%2,781
Earnings coverage of net charge-offs (x)6.5129%3,040
Efficiency ratio56.2579%5,320
Assets per employee ($millions)4.1715%3,581
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.4807%2,237
Loan loss allowance to noncurrent loans93.4460%3,818
Noncurrent assets plus other real estate owned to assets2.4022%743
Noncurrent loans to loans1.5846%1,573
Net loans and leases to total assets57.1982%4,225
Net loans and leases to deposits66.0565%4,380
Net loans and leases to core deposits69.3052%4,440
Total domestic deposits to total assets86.5898%2,239
Equity capital to assets12.9717%1,461
Core capital (leverage) ratio13.2113%1,127
Tier 1 risk-based capital ratio19.9874%1,552
Total risk-based capital ratio21.2384%1,516
Memoranda:
Average total assets$678,640,0001,022
Average earning assets$633,728,0001,008
Average equity$86,240,500892
Average total loans$402,185,2501,151
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6929%1,078
Cost of funding earning assets0.5941%1,457
Net interest margin4.0988%1,354
Noninterest income to average assets0.5555%3,004
Noninterest expense to average assets2.4231%4,479
Loan and lease loss provision to assets0.2295%813
Net operating income to assets1.2579%1,434
Return on assets (ROA)1.2579%1,487
Pretax return on assets1.7272%1,030
Return on Equity (ROE)9.9688%2,081
Retained earnings to average equity (ytd only)9.9688%669
Net charge-offs to loans0.3831%681
Credit loss provision to net charge-offs100.3886%2,030
Earnings coverage of net charge-offs (x)8.5596%2,550
Efficiency ratio55.3242%5,489
Assets per employee ($millions)4.1039%3,676
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.5754%1,989
Loan loss allowance to noncurrent loans70.3409%4,471
Noncurrent assets plus other real estate owned to assets2.3935%815
Noncurrent loans to loans2.2397%1,065
Net loans and leases to total assets58.1142%4,086
Net loans and leases to deposits66.8460%4,241
Net loans and leases to core deposits70.3205%4,298
Total domestic deposits to total assets86.9374%2,199
Equity capital to assets12.7406%1,525
Core capital (leverage) ratio12.8847%1,219
Tier 1 risk-based capital ratio19.8021%1,599
Total risk-based capital ratio21.0548%1,555
Memoranda:
Average total assets$675,423,0001,032
Average earning assets$630,181,0001,016
Average equity$85,226,330901
Average total loans$403,044,6701,143
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7049%1,028
Cost of funding earning assets0.6023%1,419
Net interest margin4.1026%1,266
Noninterest income to average assets0.6491%2,405
Noninterest expense to average assets2.4371%4,484
Loan and lease loss provision to assets0.1939%963
Net operating income to assets1.3274%1,190
Return on assets (ROA)1.3274%1,269
Pretax return on assets1.8256%832
Return on Equity (ROE)10.5725%1,775
Retained earnings to average equity (ytd only)10.5725%800
Net charge-offs to loans0.5161%485
Credit loss provision to net charge-offs62.6204%1,973
Earnings coverage of net charge-offs (x)6.5222%2,277
Efficiency ratio54.6854%5,620
Assets per employee ($millions)3.9506%4,057
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.5451%2,253
Loan loss allowance to noncurrent loans112.9433%3,405
Noncurrent assets plus other real estate owned to assets1.9806%1,200
Noncurrent loans to loans1.3680%2,105
Net loans and leases to total assets57.9362%3,951
Net loans and leases to deposits66.5298%4,103
Net loans and leases to core deposits70.0176%4,155
Total domestic deposits to total assets87.0831%2,327
Equity capital to assets12.5524%1,661
Core capital (leverage) ratio12.8651%1,208
Tier 1 risk-based capital ratio19.4749%1,740
Total risk-based capital ratio20.7268%1,699
Memoranda:
Average total assets$670,462,5001,038
Average earning assets$622,239,0001,027
Average equity$84,181,000909
Average total loans$402,238,5001,139
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0564%698
Cost of funding earning assets0.6405%1,468
Net interest margin4.4159%863
Noninterest income to average assets0.5360%3,265
Noninterest expense to average assets2.5582%4,370
Loan and lease loss provision to assets0.3444%562
Net operating income to assets1.2660%1,384
Return on assets (ROA)1.2677%1,431
Pretax return on assets1.7574%873
Return on Equity (ROE)10.2918%1,989
Retained earnings to average equity (ytd only)7.9483%1,041
Net charge-offs to loans0.4209%1,010
Credit loss provision to net charge-offs130.3468%1,828
Earnings coverage of net charge-offs (x)7.9451%2,951
Efficiency ratio54.9256%5,769
Assets per employee ($millions)3.7796%4,385
Cash dividends to net income (ytd only)*22.7711%3,707
Condition Ratios (%)
Loss allowance to loans1.5748%2,177
Loan loss allowance to noncurrent loans94.6524%3,845
Noncurrent assets plus other real estate owned to assets2.2645%1,065
Noncurrent loans to loans1.6638%1,755
Net loans and leases to total assets60.2110%3,761
Net loans and leases to deposits69.1862%4,007
Net loans and leases to core deposits73.0232%4,026
Total domestic deposits to total assets87.0275%2,269
Equity capital to assets12.5590%1,614
Core capital (leverage) ratio12.6265%1,298
Tier 1 risk-based capital ratio18.9822%1,851
Total risk-based capital ratio20.2347%1,814
Memoranda:
Average total assets$654,712,2001,024
Average earning assets$611,086,4001,006
Average equity$80,646,400913
Average total loans$411,037,0001,067
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1112%629
Cost of funding earning assets0.6457%1,485
Net interest margin4.4655%796
Noninterest income to average assets0.5027%3,530
Noninterest expense to average assets2.5419%4,388
Loan and lease loss provision to assets0.2256%1,001
Net operating income to assets1.3566%1,237
Return on assets (ROA)1.3590%1,271
Pretax return on assets1.9108%705
Return on Equity (ROE)11.0874%1,759
Retained earnings to average equity (ytd only)11.0874%501
Net charge-offs to loans0.3141%1,270
Credit loss provision to net charge-offs113.6831%1,996
Earnings coverage of net charge-offs (x)10.7490%2,508
Efficiency ratio54.3716%5,788
Assets per employee ($millions)3.7291%4,437
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.4351%3,013
Loan loss allowance to noncurrent loans177.9762%2,366
Noncurrent assets plus other real estate owned to assets1.6096%1,884
Noncurrent loans to loans0.8063%3,563
Net loans and leases to total assets62.9369%3,353
Net loans and leases to deposits72.5058%3,629
Net loans and leases to core deposits76.6232%3,675
Total domestic deposits to total assets86.8026%2,421
Equity capital to assets12.7667%1,546
Core capital (leverage) ratio12.6861%1,311
Tier 1 risk-based capital ratio18.7147%1,983
Total risk-based capital ratio19.9659%1,950
Memoranda:
Average total assets$653,033,0001,034
Average earning assets$610,172,2501,019
Average equity$80,040,750920
Average total loans$412,640,0001,068
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1290%581
Cost of funding earning assets0.6485%1,526
Net interest margin4.4806%733
Noninterest income to average assets0.5407%3,202
Noninterest expense to average assets2.5512%4,413
Loan and lease loss provision to assets0.2618%807
Net operating income to assets1.4059%1,046
Return on assets (ROA)1.4088%1,082
Pretax return on assets1.9186%658
Return on Equity (ROE)11.6555%1,533
Retained earnings to average equity (ytd only)11.6555%462
Net charge-offs to loans0.3730%1,088
Credit loss provision to net charge-offs111.4733%1,797
Earnings coverage of net charge-offs (x)9.2673%2,380
Efficiency ratio53.9637%5,914
Assets per employee ($millions)3.8535%4,154
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.4313%3,189
Loan loss allowance to noncurrent loans201.4596%2,122
Noncurrent assets plus other real estate owned to assets1.6451%1,983
Noncurrent loans to loans0.7105%3,930
Net loans and leases to total assets61.6646%3,457
Net loans and leases to deposits70.5495%3,748
Net loans and leases to core deposits74.5726%3,775
Total domestic deposits to total assets87.4061%2,244
Equity capital to assets12.2600%1,805
Core capital (leverage) ratio12.3442%1,479
Tier 1 risk-based capital ratio18.3396%2,118
Total risk-based capital ratio19.5906%2,082
Memoranda:
Average total assets$653,181,0001,035
Average earning assets$610,369,6701,018
Average equity$78,949,670925
Average total loans$411,287,0001,059
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2845%422
Cost of funding earning assets0.6576%1,535
Net interest margin4.6269%534
Noninterest income to average assets0.5947%2,767
Noninterest expense to average assets2.5152%4,568
Loan and lease loss provision to assets0.4319%380
Net operating income to assets1.3966%991
Return on assets (ROA)1.4023%1,029
Pretax return on assets1.9834%549
Return on Equity (ROE)11.6871%1,498
Retained earnings to average equity (ytd only)11.6871%650
Net charge-offs to loans0.5234%707
Credit loss provision to net charge-offs130.5970%1,379
Earnings coverage of net charge-offs (x)7.2799%2,129
Efficiency ratio51.0966%6,185
Assets per employee ($millions)3.8514%4,230
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.4579%3,339
Loan loss allowance to noncurrent loans147.2562%2,680
Noncurrent assets plus other real estate owned to assets1.9520%1,759
Noncurrent loans to loans0.9901%3,441
Net loans and leases to total assets62.4208%3,166
Net loans and leases to deposits71.3312%3,431
Net loans and leases to core deposits75.3765%3,480
Total domestic deposits to total assets87.5084%2,503
Equity capital to assets12.1268%1,783
Core capital (leverage) ratio12.1620%1,567
Tier 1 risk-based capital ratio17.8354%2,359
Total risk-based capital ratio19.0868%2,336
Memoranda:
Average total assets$648,373,0001,055
Average earning assets$606,454,0001,036
Average equity$77,795,000942
Average total loans$409,607,5001,067
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8392%1,230
Cost of funding earning assets0.7492%1,499
Net interest margin4.0900%1,672
Noninterest income to average assets0.3824%4,574
Noninterest expense to average assets2.3829%5,120
Loan and lease loss provision to assets0.4473%648
Net operating income to assets1.0216%2,240
Return on assets (ROA)1.0152%2,324
Pretax return on assets1.3371%2,021
Return on Equity (ROE)8.9263%2,575
Retained earnings to average equity (ytd only)6.6712%1,589
Net charge-offs to loans0.6419%1,009
Credit loss provision to net charge-offs112.9530%2,137
Earnings coverage of net charge-offs (x)4.5270%3,543
Efficiency ratio57.0656%5,845
Assets per employee ($millions)3.8908%4,084
Cash dividends to net income (ytd only)*25.2632%3,495
Condition Ratios (%)
Loss allowance to loans1.4369%3,485
Loan loss allowance to noncurrent loans63.8667%4,722
Noncurrent assets plus other real estate owned to assets2.7702%1,191
Noncurrent loans to loans2.2498%1,723
Net loans and leases to total assets62.0984%3,344
Net loans and leases to deposits70.6950%3,699
Net loans and leases to core deposits74.9053%3,744
Total domestic deposits to total assets87.8399%2,277
Equity capital to assets11.8692%1,889
Core capital (leverage) ratio11.8049%1,751
Tier 1 risk-based capital ratio17.5339%2,399
Total risk-based capital ratio18.7850%2,380
Memoranda:
Average total assets$655,013,0001,018
Average earning assets$607,479,4001,010
Average equity$74,499,000961
Average total loans$404,120,4001,059
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7743%1,407
Cost of funding earning assets0.7639%1,519
Net interest margin4.0104%1,906
Noninterest income to average assets0.4006%4,536
Noninterest expense to average assets2.3384%5,219
Loan and lease loss provision to assets0.4828%577
Net operating income to assets0.9869%2,434
Return on assets (ROA)0.9773%2,581
Pretax return on assets1.2856%2,387
Return on Equity (ROE)8.6857%2,794
Retained earnings to average equity (ytd only)8.6857%1,163
Net charge-offs to loans0.6554%933
Credit loss provision to net charge-offs120.0202%1,962
Earnings coverage of net charge-offs (x)4.4276%3,445
Efficiency ratio56.7658%5,827
Assets per employee ($millions)3.8987%4,041
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.4436%3,717
Loan loss allowance to noncurrent loans63.5269%4,674
Noncurrent assets plus other real estate owned to assets2.9735%1,244
Noncurrent loans to loans2.2724%1,930
Net loans and leases to total assets61.9505%3,373
Net loans and leases to deposits70.4609%3,717
Net loans and leases to core deposits74.3572%3,798
Total domestic deposits to total assets87.9218%2,180
Equity capital to assets11.7505%2,083
Core capital (leverage) ratio11.7158%1,880
Tier 1 risk-based capital ratio17.2538%2,607
Total risk-based capital ratio18.5047%2,569
Memoranda:
Average total assets$657,299,5001,020
Average earning assets$609,494,0001,013
Average equity$73,959,000977
Average total loans$403,420,5001,061
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6504%1,700
Cost of funding earning assets0.7795%1,530
Net interest margin3.8709%2,307
Noninterest income to average assets0.3825%4,651
Noninterest expense to average assets2.2958%5,384
Loan and lease loss provision to assets0.4489%648
Net operating income to assets0.8999%2,797
Return on assets (ROA)0.8999%2,937
Pretax return on assets1.2269%2,570
Return on Equity (ROE)8.1165%3,030
Retained earnings to average equity (ytd only)8.1165%1,437
Net charge-offs to loans0.6436%1,023
Credit loss provision to net charge-offs114.5511%1,931
Earnings coverage of net charge-offs (x)4.2763%3,171
Efficiency ratio57.8051%5,763
Assets per employee ($millions)3.9679%3,877
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.4054%4,009
Loan loss allowance to noncurrent loans55.0681%5,001
Noncurrent assets plus other real estate owned to assets3.3733%1,156
Noncurrent loans to loans2.5521%1,805
Net loans and leases to total assets60.3348%3,603
Net loans and leases to deposits68.1804%3,983
Net loans and leases to core deposits71.9819%4,042
Total domestic deposits to total assets88.4930%1,918
Equity capital to assets11.2662%2,504
Core capital (leverage) ratio11.3202%2,080
Tier 1 risk-based capital ratio16.8747%2,758
Total risk-based capital ratio18.1251%2,732
Memoranda:
Average total assets$659,370,0001,017
Average earning assets$611,385,6701,010
Average equity$73,110,000985
Average total loans$401,474,0001,059
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4026%2,512
Cost of funding earning assets0.8103%1,474
Net interest margin3.5924%3,291
Noninterest income to average assets0.5534%3,411
Noninterest expense to average assets2.2757%5,488
Loan and lease loss provision to assets0.5473%482
Net operating income to assets0.7894%3,224
Return on assets (ROA)0.7894%3,356
Pretax return on assets1.0819%3,025
Return on Equity (ROE)7.1775%3,395
Retained earnings to average equity (ytd only)7.1775%2,078
Net charge-offs to loans0.4646%1,287
Credit loss provision to net charge-offs193.9655%1,117
Earnings coverage of net charge-offs (x)5.7737%2,326
Efficiency ratio58.2775%5,814
Assets per employee ($millions)4.1073%3,730
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.4957%3,846
Loan loss allowance to noncurrent loans55.2233%4,925
Noncurrent assets plus other real estate owned to assets3.5447%1,192
Noncurrent loans to loans2.7084%1,890
Net loans and leases to total assets59.2297%3,565
Net loans and leases to deposits66.7983%3,935
Net loans and leases to core deposits70.3482%4,030
Total domestic deposits to total assets88.6694%1,888
Equity capital to assets11.0374%2,918
Core capital (leverage) ratio11.0901%2,190
Tier 1 risk-based capital ratio16.9576%2,768
Total risk-based capital ratio18.2092%2,742
Memoranda:
Average total assets$657,731,5001,030
Average earning assets$613,633,5001,011
Average equity$72,337,5001,009
Average total loans$399,458,0001,062
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1208%1,262
Cost of funding earning assets0.9986%1,369
Net interest margin4.1222%1,914
Noninterest income to average assets0.5428%3,630
Noninterest expense to average assets2.3666%5,506
Loan and lease loss provision to assets0.4909%1,228
Net operating income to assets1.1100%1,910
Return on assets (ROA)1.1138%2,065
Pretax return on assets1.4867%1,722
Return on Equity (ROE)10.2933%2,053
Retained earnings to average equity (ytd only)7.8737%1,164
Net charge-offs to loans0.6568%1,791
Credit loss provision to net charge-offs119.2730%2,409
Earnings coverage of net charge-offs (x)4.7925%3,254
Efficiency ratio54.5415%6,214
Assets per employee ($millions)4.0887%3,766
Cash dividends to net income (ytd only)*23.5064%3,630
Condition Ratios (%)
Loss allowance to loans1.3733%4,291
Loan loss allowance to noncurrent loans161.0462%2,235
Noncurrent assets plus other real estate owned to assets2.5676%1,889
Noncurrent loans to loans0.8527%4,476
Net loans and leases to total assets60.5005%3,516
Net loans and leases to deposits68.2038%3,953
Net loans and leases to core deposits71.8148%4,064
Total domestic deposits to total assets88.7055%1,764
Equity capital to assets10.9582%3,003
Core capital (leverage) ratio11.0658%2,200
Tier 1 risk-based capital ratio16.6331%2,823
Total risk-based capital ratio17.8835%2,799
Memoranda:
Average total assets$641,669,0001,027
Average earning assets$590,941,4001,024
Average equity$69,433,4001,013
Average total loans$402,089,4001,038
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1835%1,231
Cost of funding earning assets1.0288%1,400
Net interest margin4.1547%1,885
Noninterest income to average assets0.5583%3,552
Noninterest expense to average assets2.3085%5,664
Loan and lease loss provision to assets0.5847%967
Net operating income to assets1.0992%2,087
Return on assets (ROA)1.1025%2,275
Pretax return on assets1.4827%1,942
Return on Equity (ROE)10.2219%2,242
Retained earnings to average equity (ytd only)10.2219%862
Net charge-offs to loans0.7268%1,521
Credit loss provision to net charge-offs127.6790%2,255
Earnings coverage of net charge-offs (x)4.5052%3,286
Efficiency ratio52.8086%6,377
Assets per employee ($millions)4.0513%3,771
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.3940%4,400
Loan loss allowance to noncurrent loans248.6259%1,463
Noncurrent assets plus other real estate owned to assets2.5000%2,121
Noncurrent loans to loans0.5607%5,321
Net loans and leases to total assets61.2071%3,530
Net loans and leases to deposits69.1067%4,008
Net loans and leases to core deposits72.7311%4,163
Total domestic deposits to total assets88.5690%1,681
Equity capital to assets11.0305%3,236
Core capital (leverage) ratio11.1666%2,238
Tier 1 risk-based capital ratio16.4758%3,015
Total risk-based capital ratio17.7263%2,980
Memoranda:
Average total assets$638,538,0001,041
Average earning assets$586,046,0001,034
Average equity$68,869,7501,026
Average total loans$402,286,5001,043
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2068%1,233
Cost of funding earning assets1.0554%1,433
Net interest margin4.1514%1,899
Noninterest income to average assets0.5717%3,437
Noninterest expense to average assets2.3299%5,661
Loan and lease loss provision to assets0.5981%1,001
Net operating income to assets1.0738%2,153
Return on assets (ROA)1.0792%2,348
Pretax return on assets1.4585%1,985
Return on Equity (ROE)10.0834%2,324
Retained earnings to average equity (ytd only)10.0834%954
Net charge-offs to loans0.5777%1,874
Credit loss provision to net charge-offs163.5112%1,705
Earnings coverage of net charge-offs (x)5.6024%2,799
Efficiency ratio53.2025%6,394
Assets per employee ($millions)3.9878%3,903
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.4311%4,338
Loan loss allowance to noncurrent loans127.6123%2,571
Noncurrent assets plus other real estate owned to assets2.9137%1,898
Noncurrent loans to loans1.1215%4,278
Net loans and leases to total assets61.9613%3,447
Net loans and leases to deposits69.8043%3,924
Net loans and leases to core deposits73.5500%4,088
Total domestic deposits to total assets88.7643%1,665
Equity capital to assets10.9159%3,210
Core capital (leverage) ratio10.9855%2,306
Tier 1 risk-based capital ratio16.0677%3,134
Total risk-based capital ratio17.3185%3,098
Memoranda:
Average total assets$635,313,6701,044
Average earning assets$582,698,6701,034
Average equity$67,992,6701,031
Average total loans$402,262,0001,045
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1679%1,388
Cost of funding earning assets1.0926%1,439
Net interest margin4.0753%2,195
Noninterest income to average assets0.6158%3,131
Noninterest expense to average assets2.3958%5,487
Loan and lease loss provision to assets0.4417%1,413
Net operating income to assets1.1837%1,788
Return on assets (ROA)1.1900%1,952
Pretax return on assets1.5497%1,740
Return on Equity (ROE)11.2321%1,929
Retained earnings to average equity (ytd only)11.2321%978
Net charge-offs to loans0.5034%1,827
Credit loss provision to net charge-offs138.0671%1,782
Earnings coverage of net charge-offs (x)6.1992%2,243
Efficiency ratio54.7118%6,263
Assets per employee ($millions)3.9275%4,153
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2859%5,085
Loan loss allowance to noncurrent loans116.7416%2,677
Noncurrent assets plus other real estate owned to assets2.7513%2,137
Noncurrent loans to loans1.1015%4,493
Net loans and leases to total assets62.2977%3,193
Net loans and leases to deposits69.9594%3,741
Net loans and leases to core deposits73.4922%3,960
Total domestic deposits to total assets89.0483%1,667
Equity capital to assets10.6390%3,339
Core capital (leverage) ratio10.7964%2,444
Tier 1 risk-based capital ratio15.6385%3,370
Total risk-based capital ratio16.8314%3,369
Memoranda:
Average total assets$633,944,0001,047
Average earning assets$585,385,0001,029
Average equity$67,164,5001,041
Average total loans$402,850,0001,046
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3666%1,506
Cost of funding earning assets1.2526%1,723
Net interest margin4.1140%2,372
Noninterest income to average assets0.5610%3,425
Noninterest expense to average assets2.3044%6,028
Loan and lease loss provision to assets0.8138%1,199
Net operating income to assets0.9739%2,305
Return on assets (ROA)0.9424%2,566
Pretax return on assets1.2118%2,412
Return on Equity (ROE)9.0021%2,446
Retained earnings to average equity (ytd only)6.5534%1,715
Net charge-offs to loans1.2147%1,382
Credit loss provision to net charge-offs101.3788%3,428
Earnings coverage of net charge-offs (x)2.5736%3,929
Efficiency ratio52.7280%6,641
Assets per employee ($millions)3.8510%4,202
Cash dividends to net income (ytd only)*27.2021%3,230
Condition Ratios (%)
Loss allowance to loans1.2452%5,201
Loan loss allowance to noncurrent loans103.1128%2,975
Noncurrent assets plus other real estate owned to assets2.7462%2,210
Noncurrent loans to loans1.2076%4,360
Net loans and leases to total assets63.1959%3,352
Net loans and leases to deposits71.1546%3,928
Net loans and leases to core deposits74.5845%4,160
Total domestic deposits to total assets88.8150%1,652
Equity capital to assets10.5496%3,475
Core capital (leverage) ratio10.6311%2,580
Tier 1 risk-based capital ratio15.6041%3,265
Total risk-based capital ratio16.7827%3,254
Memoranda:
Average total assets$614,391,8001,061
Average earning assets$568,891,8001,041
Average equity$64,318,0001,050
Average total loans$406,034,4001,047
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4065%1,493
Cost of funding earning assets1.2799%1,817
Net interest margin4.1266%2,367
Noninterest income to average assets0.5970%3,181
Noninterest expense to average assets2.3452%5,919
Loan and lease loss provision to assets1.0255%831
Net operating income to assets0.8340%3,004
Return on assets (ROA)0.8112%3,269
Pretax return on assets1.0209%3,325
Return on Equity (ROE)7.7648%3,153
Retained earnings to average equity (ytd only)7.7648%1,601
Net charge-offs to loans1.4600%1,006
Credit loss provision to net charge-offs105.4284%3,149
Earnings coverage of net charge-offs (x)2.1335%4,065
Efficiency ratio53.0530%6,589
Assets per employee ($millions)3.8237%4,255
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.2598%5,191
Loan loss allowance to noncurrent loans127.6764%2,371
Noncurrent assets plus other real estate owned to assets2.9681%2,164
Noncurrent loans to loans0.9867%4,919
Net loans and leases to total assets65.0893%3,087
Net loans and leases to deposits73.1168%3,788
Net loans and leases to core deposits77.0161%4,046
Total domestic deposits to total assets89.0211%1,424
Equity capital to assets10.5452%3,652
Core capital (leverage) ratio10.8213%2,553
Tier 1 risk-based capital ratio15.1224%3,595
Total risk-based capital ratio16.3133%3,598
Memoranda:
Average total assets$611,061,5001,072
Average earning assets$566,164,0001,055
Average equity$63,842,2501,064
Average total loans$407,120,2501,044
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3776%1,629
Cost of funding earning assets1.3058%1,909
Net interest margin4.0718%2,525
Noninterest income to average assets0.6099%3,073
Noninterest expense to average assets2.3727%5,925
Loan and lease loss provision to assets1.1203%722
Net operating income to assets0.7492%3,295
Return on assets (ROA)0.7522%3,404
Pretax return on assets0.9058%3,592
Return on Equity (ROE)7.2230%3,335
Retained earnings to average equity (ytd only)7.2230%1,776
Net charge-offs to loans1.8572%734
Credit loss provision to net charge-offs90.2096%3,448
Earnings coverage of net charge-offs (x)1.6285%4,073
Efficiency ratio53.9846%6,623
Assets per employee ($millions)3.7008%4,445
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.1242%5,854
Loan loss allowance to noncurrent loans96.8392%2,979
Noncurrent assets plus other real estate owned to assets2.8735%2,337
Noncurrent loans to loans1.1609%4,718
Net loans and leases to total assets65.3540%3,174
Net loans and leases to deposits73.2713%3,903
Net loans and leases to core deposits77.6063%4,101
Total domestic deposits to total assets89.1945%1,420
Equity capital to assets10.4648%3,553
Core capital (leverage) ratio10.5271%2,688
Tier 1 risk-based capital ratio14.9918%3,501
Total risk-based capital ratio16.0563%3,580
Memoranda:
Average total assets$606,992,6701,092
Average earning assets$564,271,6701,069
Average equity$63,214,6701,069
Average total loans$405,874,6701,063
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3021%1,861
Cost of funding earning assets1.3474%1,900
Net interest margin3.9547%2,896
Noninterest income to average assets0.6073%3,111
Noninterest expense to average assets2.4763%5,638
Loan and lease loss provision to assets0.5967%1,445
Net operating income to assets0.8894%2,617
Return on assets (ROA)0.8904%2,674
Pretax return on assets1.2173%2,314
Return on Equity (ROE)8.5709%2,667
Retained earnings to average equity (ytd only)8.5709%1,530
Net charge-offs to loans0.5175%2,190
Credit loss provision to net charge-offs171.4286%1,686
Earnings coverage of net charge-offs (x)5.2076%2,315
Efficiency ratio57.7369%6,296
Assets per employee ($millions)3.6704%4,606
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.2965%5,148
Loan loss allowance to noncurrent loans46.5008%5,208
Noncurrent assets plus other real estate owned to assets3.5346%1,927
Noncurrent loans to loans2.7880%2,715
Net loans and leases to total assets66.3380%2,923
Net loans and leases to deposits74.3636%3,706
Net loans and leases to core deposits79.1232%3,865
Total domestic deposits to total assets89.2077%1,642
Equity capital to assets10.3972%3,283
Core capital (leverage) ratio10.4764%2,637
Tier 1 risk-based capital ratio14.7634%3,572
Total risk-based capital ratio16.0007%3,541
Memoranda:
Average total assets$603,322,5001,109
Average earning assets$561,665,0001,089
Average equity$62,677,5001,073
Average total loans$405,784,0001,075
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9445%955
Cost of funding earning assets1.7335%1,451
Net interest margin4.2110%2,141
Noninterest income to average assets0.6479%3,165
Noninterest expense to average assets2.5624%5,569
Loan and lease loss provision to assets0.7023%2,332
Net operating income to assets0.9576%2,177
Return on assets (ROA)0.9739%2,241
Pretax return on assets1.2548%2,065
Return on Equity (ROE)9.2321%2,204
Retained earnings to average equity (ytd only)6.7855%1,414
Net charge-offs to loans0.7902%2,668
Credit loss provision to net charge-offs124.9219%3,290
Earnings coverage of net charge-offs (x)3.4441%3,351
Efficiency ratio56.9605%6,464
Assets per employee ($millions)3.5985%4,714
Cash dividends to net income (ytd only)*26.5008%3,200
Condition Ratios (%)
Loss allowance to loans1.2271%5,380
Loan loss allowance to noncurrent loans128.2558%2,288
Noncurrent assets plus other real estate owned to assets2.5231%2,749
Noncurrent loans to loans0.9568%5,138
Net loans and leases to total assets66.4821%3,358
Net loans and leases to deposits74.6256%4,091
Net loans and leases to core deposits79.7689%4,245
Total domestic deposits to total assets89.0874%1,601
Equity capital to assets10.3800%3,296
Core capital (leverage) ratio10.6749%2,397
Tier 1 risk-based capital ratio14.6707%3,438
Total risk-based capital ratio15.8381%3,450
Memoranda:
Average total assets$569,576,0001,180
Average earning assets$520,847,0001,178
Average equity$60,083,6001,110
Average total loans$405,203,0001,114
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0392%862
Cost of funding earning assets1.7895%1,459
Net interest margin4.2497%2,034
Noninterest income to average assets0.6398%3,190
Noninterest expense to average assets2.5766%5,411
Loan and lease loss provision to assets0.8057%1,884
Net operating income to assets0.8694%2,740
Return on assets (ROA)0.8849%2,813
Pretax return on assets1.1496%2,672
Return on Equity (ROE)8.3528%2,769
Retained earnings to average equity (ytd only)8.3528%1,291
Net charge-offs to loans0.8483%2,329
Credit loss provision to net charge-offs131.6299%3,066
Earnings coverage of net charge-offs (x)3.1614%3,560
Efficiency ratio57.1091%6,401
Assets per employee ($millions)3.5234%4,922
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.2054%5,465
Loan loss allowance to noncurrent loans128.8166%2,205
Noncurrent assets plus other real estate owned to assets2.5546%2,813
Noncurrent loans to loans0.9357%5,359
Net loans and leases to total assets68.9924%2,988
Net loans and leases to deposits77.4505%3,929
Net loans and leases to core deposits82.9771%4,091
Total domestic deposits to total assets89.0794%1,353
Equity capital to assets10.4799%3,546
Core capital (leverage) ratio10.6817%2,524
Tier 1 risk-based capital ratio14.4267%3,553
Total risk-based capital ratio15.5854%3,568
Memoranda:
Average total assets$562,630,5001,203
Average earning assets$512,613,5001,209
Average equity$59,603,0001,115
Average total loans$405,986,2501,119
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0862%779
Cost of funding earning assets1.8429%1,468
Net interest margin4.2433%1,997
Noninterest income to average assets0.6732%2,863
Noninterest expense to average assets2.6164%5,258
Loan and lease loss provision to assets0.8664%1,679
Net operating income to assets0.7178%3,319
Return on assets (ROA)0.7299%3,427
Pretax return on assets1.0487%2,941
Return on Equity (ROE)6.8640%3,363
Retained earnings to average equity (ytd only)6.8640%1,895
Net charge-offs to loans1.0783%1,746
Credit loss provision to net charge-offs110.0917%3,695
Earnings coverage of net charge-offs (x)2.4115%3,790
Efficiency ratio57.9608%6,383
Assets per employee ($millions)3.3845%5,232
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.0752%6,059
Loan loss allowance to noncurrent loans153.8136%1,819
Noncurrent assets plus other real estate owned to assets1.8834%3,643
Noncurrent loans to loans0.6991%5,844
Net loans and leases to total assets70.9047%2,687
Net loans and leases to deposits79.7690%3,639
Net loans and leases to core deposits85.3355%3,928
Total domestic deposits to total assets88.8875%1,502
Equity capital to assets10.6068%3,271
Core capital (leverage) ratio10.6418%2,507
Tier 1 risk-based capital ratio14.1524%3,634
Total risk-based capital ratio15.1807%3,741
Memoranda:
Average total assets$554,040,3301,227
Average earning assets$501,499,0001,249
Average equity$58,916,0001,126
Average total loans$404,346,6701,141
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1021%775
Cost of funding earning assets1.8674%1,580
Net interest margin4.2348%1,912
Noninterest income to average assets0.6681%2,824
Noninterest expense to average assets2.6919%4,940
Loan and lease loss provision to assets0.8752%1,456
Net operating income to assets0.6656%3,585
Return on assets (ROA)0.6826%3,631
Pretax return on assets0.9416%3,312
Return on Equity (ROE)6.4111%3,662
Retained earnings to average equity (ytd only)6.4111%2,405
Net charge-offs to loans1.0011%1,639
Credit loss provision to net charge-offs118.6944%2,941
Earnings coverage of net charge-offs (x)2.4322%3,324
Efficiency ratio60.0163%6,171
Assets per employee ($millions)3.3430%5,444
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.0719%6,141
Loan loss allowance to noncurrent loans76.3999%3,551
Noncurrent assets plus other real estate owned to assets2.2765%3,180
Noncurrent loans to loans1.4030%4,631
Net loans and leases to total assets71.4979%2,568
Net loans and leases to deposits80.2310%3,618
Net loans and leases to core deposits85.8643%3,918
Total domestic deposits to total assets89.1150%1,461
Equity capital to assets10.5445%3,203
Core capital (leverage) ratio10.6833%2,461
Tier 1 risk-based capital ratio14.0706%3,612
Total risk-based capital ratio15.1044%3,721
Memoranda:
Average total assets$548,455,0001,274
Average earning assets$494,385,5001,295
Average equity$58,398,5001,142
Average total loans$403,961,5001,173
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3528%933
Cost of funding earning assets2.2927%1,689
Net interest margin4.0601%2,605
Noninterest income to average assets0.6717%3,145
Noninterest expense to average assets2.5529%5,940
Loan and lease loss provision to assets0.8183%2,678
Net operating income to assets0.8117%2,486
Return on assets (ROA)0.6453%3,215
Pretax return on assets0.8177%3,190
Return on Equity (ROE)6.0136%3,203
Retained earnings to average equity (ytd only)3.8013%2,542
Net charge-offs to loans1.0794%2,261
Credit loss provision to net charge-offs99.3822%5,605
Earnings coverage of net charge-offs (x)2.2428%4,036
Efficiency ratio58.0275%6,756
Assets per employee ($millions)3.3045%5,480
Cash dividends to net income (ytd only)*36.7883%3,065
Condition Ratios (%)
Loss allowance to loans1.0226%6,257
Loan loss allowance to noncurrent loans70.8340%3,876
Noncurrent assets plus other real estate owned to assets2.2455%3,076
Noncurrent loans to loans1.4437%4,505
Net loans and leases to total assets74.3188%2,190
Net loans and leases to deposits83.7741%3,319
Net loans and leases to core deposits113.7504%2,524
Total domestic deposits to total assets88.7133%1,622
Equity capital to assets10.7549%2,916
Core capital (leverage) ratio10.8620%2,308
Tier 1 risk-based capital ratio13.2913%3,951
Total risk-based capital ratio14.2403%4,100
Memoranda:
Average total assets$530,763,2001,296
Average earning assets$487,329,6001,296
Average equity$56,953,8001,159
Average total loans$404,841,6001,188
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3542%1,020
Cost of funding earning assets2.3663%1,754
Net interest margin3.9879%2,866
Noninterest income to average assets0.6636%3,265
Noninterest expense to average assets2.5645%5,841
Loan and lease loss provision to assets0.8699%2,209
Net operating income to assets0.6769%3,291
Return on assets (ROA)0.4639%4,246
Pretax return on assets0.6162%4,141
Return on Equity (ROE)4.3260%4,242
Retained earnings to average equity (ytd only)4.3260%2,852
Net charge-offs to loans0.8524%2,261
Credit loss provision to net charge-offs133.2561%3,747
Earnings coverage of net charge-offs (x)2.7115%3,871
Efficiency ratio59.1647%6,538
Assets per employee ($millions)3.4292%5,099
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.2289%4,958
Loan loss allowance to noncurrent loans41.4419%5,563
Noncurrent assets plus other real estate owned to assets3.8932%1,649
Noncurrent loans to loans2.9654%2,552
Net loans and leases to total assets75.4800%2,103
Net loans and leases to deposits85.0444%3,491
Net loans and leases to core deposits116.7819%2,543
Total domestic deposits to total assets88.7537%1,312
Equity capital to assets10.7682%3,228
Core capital (leverage) ratio10.7612%2,594
Tier 1 risk-based capital ratio13.9023%3,608
Total risk-based capital ratio15.1148%3,566
Memoranda:
Average total assets$528,795,0001,313
Average earning assets$486,761,0001,312
Average equity$56,709,7501,180
Average total loans$404,941,0001,205
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3626%1,076
Cost of funding earning assets2.4185%1,885
Net interest margin3.9441%2,912
Noninterest income to average assets0.6641%3,238
Noninterest expense to average assets2.6138%5,691
Loan and lease loss provision to assets0.7974%2,097
Net operating income to assets0.6974%3,265
Return on assets (ROA)0.3584%4,766
Pretax return on assets0.4549%4,772
Return on Equity (ROE)3.3468%4,770
Retained earnings to average equity (ytd only)3.3468%3,465
Net charge-offs to loans0.6639%2,373
Credit loss provision to net charge-offs156.7164%2,936
Earnings coverage of net charge-offs (x)3.3045%3,493
Efficiency ratio60.8557%6,418
Assets per employee ($millions)3.4208%5,017
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.2031%4,913
Loan loss allowance to noncurrent loans34.1946%6,172
Noncurrent assets plus other real estate owned to assets4.4280%1,276
Noncurrent loans to loans3.5183%1,990
Net loans and leases to total assets75.7585%2,243
Net loans and leases to deposits85.2365%3,696
Net loans and leases to core deposits120.4238%2,332
Total domestic deposits to total assets88.8803%1,325
Equity capital to assets10.6267%3,272
Core capital (leverage) ratio10.6788%2,681
Tier 1 risk-based capital ratio13.6609%3,718
Total risk-based capital ratio14.8468%3,686
Memoranda:
Average total assets$526,741,3301,337
Average earning assets$484,927,3301,331
Average equity$56,411,3301,196
Average total loans$403,651,6701,234
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4505%955
Cost of funding earning assets2.4654%2,048
Net interest margin3.9851%2,706
Noninterest income to average assets0.6643%3,111
Noninterest expense to average assets2.6356%5,296
Loan and lease loss provision to assets0.5733%2,193
Net operating income to assets0.7606%3,297
Return on assets (ROA)0.7606%3,472
Pretax return on assets1.1114%2,944
Return on Equity (ROE)7.0740%3,565
Retained earnings to average equity (ytd only)7.0740%2,184
Net charge-offs to loans0.2554%3,132
Credit loss provision to net charge-offs292.9688%1,658
Earnings coverage of net charge-offs (x)8.6094%2,165
Efficiency ratio61.0050%6,251
Assets per employee ($millions)3.3443%5,211
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1563%5,076
Loan loss allowance to noncurrent loans37.8864%6,018
Noncurrent assets plus other real estate owned to assets3.9392%1,315
Noncurrent loans to loans3.0521%2,134
Net loans and leases to total assets75.3356%2,422
Net loans and leases to deposits85.0049%3,820
Net loans and leases to core deposits119.6101%2,454
Total domestic deposits to total assets88.6250%1,410
Equity capital to assets10.7417%3,244
Core capital (leverage) ratio10.9023%2,582
Tier 1 risk-based capital ratio13.8484%3,669
Total risk-based capital ratio14.9846%3,649
Memoranda:
Average total assets$523,289,0001,351
Average earning assets$480,090,5001,350
Average equity$56,262,5001,203
Average total loans$400,875,0001,253
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1932%758
Cost of funding earning assets3.0968%1,513
Net interest margin4.0963%2,726
Noninterest income to average assets0.7365%2,863
Noninterest expense to average assets2.2116%6,938
Loan and lease loss provision to assets0.4188%3,189
Net operating income to assets1.3992%1,234
Return on assets (ROA)1.3893%1,202
Pretax return on assets1.9160%741
Return on Equity (ROE)13.4023%1,238
Retained earnings to average equity (ytd only)10.4566%392
Net charge-offs to loans0.5730%2,098
Credit loss provision to net charge-offs94.0357%5,569
Earnings coverage of net charge-offs (x)5.2734%3,705
Efficiency ratio48.5013%7,765
Assets per employee ($millions)3.4090%4,920
Cash dividends to net income (ytd only)*21.9788%4,379
Condition Ratios (%)
Loss allowance to loans1.0433%5,683
Loan loss allowance to noncurrent loans32.3767%6,561
Noncurrent assets plus other real estate owned to assets4.1367%973
Noncurrent loans to loans3.2224%1,626
Net loans and leases to total assets76.2010%2,565
Net loans and leases to deposits87.4452%3,875
Net loans and leases to core deposits123.9607%2,331
Total domestic deposits to total assets87.1413%1,869
Equity capital to assets10.7619%3,238
Core capital (leverage) ratio10.8086%2,739
Tier 1 risk-based capital ratio13.7489%3,672
Total risk-based capital ratio14.7753%3,705
Memoranda:
Average total assets$515,815,4001,305
Average earning assets$481,457,4001,276
Average equity$53,468,4001,264
Average total loans$400,840,2001,209