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North American Savings Bank, F.S.B., 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 assets5.6716%962
Cost of funding earning assets2.5020%359
Net interest margin3.1696%2,944
Noninterest income to average assets0.2800%3,252
Noninterest expense to average assets1.9832%3,671
Loan and lease loss provision to assets-0.0500%4,436
Net operating income to assets1.0657%2,021
Return on assets (ROA)0.9608%2,327
Pretax return on assets1.3036%1,865
Return on Equity (ROE)6.5900%3,391
Retained earnings to average equity (ytd only)4.7193%2,707
Net charge-offs to loans-0.0045%3,810
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio59.4818%3,140
Assets per employee ($millions)11.1348%519
Cash dividends to net income (ytd only)*28.4356%2,615
Condition Ratios (%)
Loss allowance to loans1.4129%1,346
Loan loss allowance to noncurrent loans171.2264%2,687
Noncurrent assets plus other real estate owned to assets0.9120%547
Noncurrent loans to loans0.8252%934
Net loans and leases to total assets76.4400%1,065
Net loans and leases to deposits122.0897%74
Net loans and leases to core deposits141.6424%261
Total domestic deposits to total assets62.6100%4,419
Equity capital to assets14.8713%567
Core capital (leverage) ratio15.2962%575
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.7731%346
Memoranda:
Average total assets$2,714,300,800430
Average earning assets$2,609,223,000406
Average equity$395,483,000319
Average total loans$2,124,614,800386
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6285%877
Cost of funding earning assets2.3890%341
Net interest margin3.2395%2,823
Noninterest income to average assets0.3700%2,673
Noninterest expense to average assets2.0406%3,492
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets1.0819%2,111
Return on assets (ROA)0.8887%2,709
Pretax return on assets1.2483%2,175
Return on Equity (ROE)6.1300%3,619
Retained earnings to average equity (ytd only)4.2399%3,192
Net charge-offs to loans-0.0063%3,807
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio58.4771%3,145
Assets per employee ($millions)11.3829%458
Cash dividends to net income (ytd only)*30.8469%2,038
Condition Ratios (%)
Loss allowance to loans1.4245%1,351
Loan loss allowance to noncurrent loans256.4628%2,199
Noncurrent assets plus other real estate owned to assets0.7155%787
Noncurrent loans to loans0.5554%1,439
Net loans and leases to total assets73.5900%1,392
Net loans and leases to deposits113.3442%143
Net loans and leases to core deposits136.9320%257
Total domestic deposits to total assets64.9300%4,420
Equity capital to assets14.0745%638
Core capital (leverage) ratio14.9630%632
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.2689%342
Memoranda:
Average total assets$2,705,300,500433
Average earning assets$2,600,182,250408
Average equity$392,102,000320
Average total loans$2,122,667,500386
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5826%748
Cost of funding earning assets2.2174%326
Net interest margin3.3652%2,606
Noninterest income to average assets0.3600%2,698
Noninterest expense to average assets2.1080%3,324
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets1.1177%2,068
Return on assets (ROA)0.8252%3,010
Pretax return on assets1.1914%2,384
Return on Equity (ROE)5.6400%3,772
Retained earnings to average equity (ytd only)3.7391%3,271
Net charge-offs to loans-0.0023%3,552
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio58.5676%3,122
Assets per employee ($millions)10.7571%537
Cash dividends to net income (ytd only)*33.6601%1,970
Condition Ratios (%)
Loss allowance to loans1.4192%1,463
Loan loss allowance to noncurrent loans224.1470%2,470
Noncurrent assets plus other real estate owned to assets0.7577%673
Noncurrent loans to loans0.6332%1,178
Net loans and leases to total assets75.8200%1,075
Net loans and leases to deposits117.0388%111
Net loans and leases to core deposits137.1345%242
Total domestic deposits to total assets64.7800%4,446
Equity capital to assets14.4950%579
Core capital (leverage) ratio14.9819%594
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.4718%335
Memoranda:
Average total assets$2,669,876,333425
Average earning assets$2,564,608,667405
Average equity$390,897,333311
Average total loans$2,130,545,000372
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4319%685
Cost of funding earning assets1.9442%333
Net interest margin3.4877%2,401
Noninterest income to average assets0.1400%4,146
Noninterest expense to average assets2.2822%2,865
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.8998%2,852
Return on assets (ROA)0.3387%4,147
Pretax return on assets0.6382%3,781
Return on Equity (ROE)2.3000%4,264
Retained earnings to average equity (ytd only)0.3914%3,963
Net charge-offs to loans-0.0009%3,312
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio65.4243%2,280
Assets per employee ($millions)9.4828%806
Cash dividends to net income (ytd only)*82.9902%605
Condition Ratios (%)
Loss allowance to loans1.4068%1,592
Loan loss allowance to noncurrent loans221.6224%2,550
Noncurrent assets plus other real estate owned to assets0.7258%672
Noncurrent loans to loans0.6348%1,185
Net loans and leases to total assets75.7000%1,000
Net loans and leases to deposits119.0075%88
Net loans and leases to core deposits137.6691%201
Total domestic deposits to total assets63.6100%4,518
Equity capital to assets14.1461%579
Core capital (leverage) ratio15.3613%530
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.5093%375
Memoranda:
Average total assets$2,638,665,500445
Average earning assets$2,531,634,500420
Average equity$388,323,000322
Average total loans$2,145,051,000378
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9516%328
Cost of funding earning assets0.9947%166
Net interest margin3.9569%846
Noninterest income to average assets1.9600%254
Noninterest expense to average assets4.1744%296
Loan and lease loss provision to assets0.0300%2,326
Net operating income to assets1.1995%1,770
Return on assets (ROA)1.2080%1,688
Pretax return on assets1.5401%1,323
Return on Equity (ROE)7.3700%3,550
Retained earnings to average equity (ytd only)0.9749%4,208
Net charge-offs to loans-0.1265%4,563
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio72.7057%1,363
Assets per employee ($millions)5.8283%2,921
Cash dividends to net income (ytd only)*86.7655%340
Condition Ratios (%)
Loss allowance to loans1.3725%1,594
Loan loss allowance to noncurrent loans197.5801%2,680
Noncurrent assets plus other real estate owned to assets0.8512%541
Noncurrent loans to loans0.6946%1,079
Net loans and leases to total assets85.0600%206
Net loans and leases to deposits129.0584%42
Net loans and leases to core deposits141.2207%138
Total domestic deposits to total assets65.9000%4,534
Equity capital to assets15.3419%444
Core capital (leverage) ratio15.2141%540
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.6084%388
Memoranda:
Average total assets$2,401,827,600465
Average earning assets$2,289,147,800446
Average equity$393,881,800310
Average total loans$1,966,832,600381
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7154%344
Cost of funding earning assets0.7272%228
Net interest margin3.9882%652
Noninterest income to average assets2.3900%221
Noninterest expense to average assets4.4548%261
Loan and lease loss provision to assets0.0400%1,932
Net operating income to assets1.3362%1,250
Return on assets (ROA)1.3478%1,196
Pretax return on assets1.7021%901
Return on Equity (ROE)8.0800%3,304
Retained earnings to average equity (ytd only)1.7204%4,079
Net charge-offs to loans-0.1715%4,611
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio71.9540%1,517
Assets per employee ($millions)5.0895%3,603
Cash dividends to net income (ytd only)*78.7084%425
Condition Ratios (%)
Loss allowance to loans1.3961%1,620
Loan loss allowance to noncurrent loans183.4792%2,788
Noncurrent assets plus other real estate owned to assets0.8534%577
Noncurrent loans to loans0.7609%1,064
Net loans and leases to total assets79.6200%562
Net loans and leases to deposits137.5442%22
Net loans and leases to core deposits146.9792%75
Total domestic deposits to total assets57.8800%4,631
Equity capital to assets14.6243%488
Core capital (leverage) ratio16.1181%433
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.0635%426
Memoranda:
Average total assets$2,372,825,250469
Average earning assets$2,259,302,750451
Average equity$395,781,250310
Average total loans$1,915,701,250388
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6435%280
Cost of funding earning assets0.5927%293
Net interest margin4.0508%446
Noninterest income to average assets3.0239%154
Noninterest expense to average assets4.7807%185
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.6675%465
Return on assets (ROA)1.6855%436
Pretax return on assets2.1243%277
Return on Equity (ROE)9.6465%2,475
Retained earnings to average equity (ytd only)3.3368%3,330
Net charge-offs to loans-0.2638%4,634
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.3907%2,049
Assets per employee ($millions)4.7339%3,903
Cash dividends to net income (ytd only)*65.4090%925
Condition Ratios (%)
Loss allowance to loans1.4394%1,596
Loan loss allowance to noncurrent loans185.9479%2,771
Noncurrent assets plus other real estate owned to assets0.8856%575
Noncurrent loans to loans0.7741%1,103
Net loans and leases to total assets80.1878%387
Net loans and leases to deposits143.4954%12
Net loans and leases to core deposits154.7894%43
Total domestic deposits to total assets55.8818%4,708
Equity capital to assets16.0069%336
Core capital (leverage) ratio17.9992%276
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.5545%341
Memoranda:
Average total assets$2,283,284,000487
Average earning assets$2,174,814,000469
Average equity$398,943,667308
Average total loans$1,843,346,000391
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7099%225
Cost of funding earning assets0.5733%309
Net interest margin4.1366%316
Noninterest income to average assets3.3110%144
Noninterest expense to average assets5.2634%158
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.6375%467
Return on assets (ROA)1.6375%466
Pretax return on assets1.9866%368
Return on Equity (ROE)8.9471%2,338
Retained earnings to average equity (ytd only)2.6582%3,375
Net charge-offs to loans-0.3716%4,688
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5252%1,912
Assets per employee ($millions)3.6985%4,503
Cash dividends to net income (ytd only)*70.2893%851
Condition Ratios (%)
Loss allowance to loans1.6269%1,201
Loan loss allowance to noncurrent loans184.2625%2,716
Noncurrent assets plus other real estate owned to assets0.9934%512
Noncurrent loans to loans0.8830%1,054
Net loans and leases to total assets77.5980%405
Net loans and leases to deposits124.0215%29
Net loans and leases to core deposits133.9355%77
Total domestic deposits to total assets62.5681%4,717
Equity capital to assets18.1547%224
Core capital (leverage) ratio18.3459%234
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.6333%311
Memoranda:
Average total assets$2,187,019,000512
Average earning assets$2,082,589,500497
Average equity$400,265,500316
Average total loans$1,757,872,500409
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8166%350
Cost of funding earning assets0.5737%620
Net interest margin4.2429%456
Noninterest income to average assets5.5301%101
Noninterest expense to average assets6.5477%112
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets2.3789%184
Return on assets (ROA)2.3886%184
Pretax return on assets3.0341%142
Return on Equity (ROE)14.3209%1,099
Retained earnings to average equity (ytd only)6.3924%2,179
Net charge-offs to loans0.2266%411
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)15.6998%1,997
Efficiency ratio68.3709%1,931
Assets per employee ($millions)3.3392%4,623
Cash dividends to net income (ytd only)*55.3633%1,269
Condition Ratios (%)
Loss allowance to loans1.4899%1,589
Loan loss allowance to noncurrent loans207.6292%2,530
Noncurrent assets plus other real estate owned to assets1.2337%393
Noncurrent loans to loans0.7176%1,416
Net loans and leases to total assets80.6673%241
Net loans and leases to deposits128.5993%25
Net loans and leases to core deposits138.2564%72
Total domestic deposits to total assets62.7277%4,753
Equity capital to assets18.4504%237
Core capital (leverage) ratio17.5626%263
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.3051%336
Memoranda:
Average total assets$2,375,789,400453
Average earning assets$2,261,908,600444
Average equity$396,254,400322
Average total loans$2,018,321,800364
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7984%410
Cost of funding earning assets0.5793%706
Net interest margin4.2191%520
Noninterest income to average assets5.9199%100
Noninterest expense to average assets6.6072%112
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets2.6380%186
Return on assets (ROA)2.6380%189
Pretax return on assets3.3279%132
Return on Equity (ROE)16.2024%907
Retained earnings to average equity (ytd only)7.4658%2,241
Net charge-offs to loans0.3166%246
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)12.2747%1,962
Efficiency ratio66.4555%2,039
Assets per employee ($millions)3.4416%4,662
Cash dividends to net income (ytd only)*53.9218%1,045
Condition Ratios (%)
Loss allowance to loans1.3005%2,484
Loan loss allowance to noncurrent loans145.0058%2,951
Noncurrent assets plus other real estate owned to assets1.1034%572
Noncurrent loans to loans0.8969%1,285
Net loans and leases to total assets84.7278%95
Net loans and leases to deposits144.5677%14
Net loans and leases to core deposits153.9328%56
Total domestic deposits to total assets58.6077%4,846
Equity capital to assets17.0346%335
Core capital (leverage) ratio17.2241%305
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.9663%487
Memoranda:
Average total assets$2,425,450,500451
Average earning assets$2,308,288,500441
Average equity$394,895,000323
Average total loans$2,077,200,500355
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9089%397
Cost of funding earning assets0.6086%717
Net interest margin4.3003%495
Noninterest income to average assets6.5729%90
Noninterest expense to average assets6.8020%108
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets3.0376%123
Return on assets (ROA)3.0376%129
Pretax return on assets3.8599%95
Return on Equity (ROE)18.9366%550
Retained earnings to average equity (ytd only)13.3005%668
Net charge-offs to loans0.5209%151
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)8.6590%1,871
Efficiency ratio63.7532%2,462
Assets per employee ($millions)3.3195%4,720
Cash dividends to net income (ytd only)*29.7631%2,068
Condition Ratios (%)
Loss allowance to loans1.3871%2,033
Loan loss allowance to noncurrent loans108.8719%3,260
Noncurrent assets plus other real estate owned to assets1.3725%452
Noncurrent loans to loans1.2741%926
Net loans and leases to total assets79.4511%347
Net loans and leases to deposits126.1455%43
Net loans and leases to core deposits134.5211%108
Total domestic deposits to total assets62.9837%4,851
Equity capital to assets17.5866%292
Core capital (leverage) ratio16.6211%326
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.0820%478
Memoranda:
Average total assets$2,451,539,000441
Average earning assets$2,331,070,000427
Average equity$393,249,000320
Average total loans$2,097,960,000354
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8004%488
Cost of funding earning assets0.6426%726
Net interest margin4.1578%658
Noninterest income to average assets8.1053%85
Noninterest expense to average assets6.7478%111
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets4.1195%75
Return on assets (ROA)4.1195%77
Pretax return on assets5.3000%69
Return on Equity (ROE)26.8566%210
Retained earnings to average equity (ytd only)21.1425%233
Net charge-offs to loans0.1385%542
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)43.5709%955
Efficiency ratio55.9706%3,552
Assets per employee ($millions)3.5656%4,669
Cash dividends to net income (ytd only)*21.2764%1,971
Condition Ratios (%)
Loss allowance to loans1.3996%1,958
Loan loss allowance to noncurrent loans188.9020%2,462
Noncurrent assets plus other real estate owned to assets0.8003%1,117
Noncurrent loans to loans0.7409%1,751
Net loans and leases to total assets86.5794%78
Net loans and leases to deposits134.7446%35
Net loans and leases to core deposits144.4733%83
Total domestic deposits to total assets64.2544%4,859
Equity capital to assets16.0446%385
Core capital (leverage) ratio16.2046%365
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.9866%585
Memoranda:
Average total assets$2,528,757,500428
Average earning assets$2,397,784,500416
Average equity$387,882,000321
Average total loans$2,221,568,000336
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1516%368
Cost of funding earning assets1.1443%344
Net interest margin4.0073%962
Noninterest income to average assets8.1549%86
Noninterest expense to average assets5.5596%152
Loan and lease loss provision to assets0.3953%803
Net operating income to assets4.4975%49
Return on assets (ROA)4.5073%49
Pretax return on assets6.0401%43
Return on Equity (ROE)35.9126%44
Retained earnings to average equity (ytd only)30.8777%27
Net charge-offs to loans0.0822%1,649
Credit loss provision to net charge-offs549.5398%1,178
Earnings coverage of net charge-offs (x)89.2837%847
Efficiency ratio46.3598%4,700
Assets per employee ($millions)3.9793%4,388
Cash dividends to net income (ytd only)*14.0199%3,451
Condition Ratios (%)
Loss allowance to loans1.3695%2,107
Loan loss allowance to noncurrent loans159.5521%2,715
Noncurrent assets plus other real estate owned to assets0.8989%1,104
Noncurrent loans to loans0.8583%1,646
Net loans and leases to total assets86.6903%77
Net loans and leases to deposits131.7211%40
Net loans and leases to core deposits151.7812%81
Total domestic deposits to total assets65.8135%4,849
Equity capital to assets14.6646%642
Core capital (leverage) ratio14.6472%562
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8848%785
Memoranda:
Average total assets$2,567,412,800386
Average earning assets$2,452,460,800374
Average equity$322,229,400351
Average total loans$2,245,844,600320
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1818%430
Cost of funding earning assets1.2574%298
Net interest margin3.9244%1,295
Noninterest income to average assets8.3617%78
Noninterest expense to average assets5.3613%163
Loan and lease loss provision to assets0.5281%537
Net operating income to assets4.6224%45
Return on assets (ROA)4.6355%44
Pretax return on assets6.2431%42
Return on Equity (ROE)38.5734%34
Retained earnings to average equity (ytd only)33.3053%27
Net charge-offs to loans0.1209%1,156
Credit loss provision to net charge-offs500.0000%1,276
Earnings coverage of net charge-offs (x)63.9537%1,056
Efficiency ratio44.2125%4,782
Assets per employee ($millions)4.2188%4,127
Cash dividends to net income (ytd only)*13.6573%3,033
Condition Ratios (%)
Loss allowance to loans1.4071%1,708
Loan loss allowance to noncurrent loans156.7031%2,626
Noncurrent assets plus other real estate owned to assets0.9256%1,235
Noncurrent loans to loans0.8979%1,664
Net loans and leases to total assets85.3922%183
Net loans and leases to deposits121.8071%99
Net loans and leases to core deposits147.5271%127
Total domestic deposits to total assets70.1045%4,754
Equity capital to assets14.0004%854
Core capital (leverage) ratio13.8408%747
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.5202%835
Memoranda:
Average total assets$2,562,621,750381
Average earning assets$2,451,504,000365
Average equity$307,959,000351
Average total loans$2,238,944,000312
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1920%580
Cost of funding earning assets1.3579%273
Net interest margin3.8341%1,734
Noninterest income to average assets6.4235%87
Noninterest expense to average assets4.7167%224
Loan and lease loss provision to assets0.2062%1,991
Net operating income to assets3.8569%51
Return on assets (ROA)3.8764%52
Pretax return on assets5.2034%39
Return on Equity (ROE)34.1110%46
Retained earnings to average equity (ytd only)28.5565%34
Net charge-offs to loans-0.0086%4,161
Credit loss provision to net charge-offs-2,731.9588%3,967
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio46.6484%4,694
Assets per employee ($millions)4.9574%3,222
Cash dividends to net income (ytd only)*16.2836%2,888
Condition Ratios (%)
Loss allowance to loans1.1368%2,846
Loan loss allowance to noncurrent loans93.8782%3,303
Noncurrent assets plus other real estate owned to assets1.2390%867
Noncurrent loans to loans1.2109%1,298
Net loans and leases to total assets85.9653%138
Net loans and leases to deposits120.2525%93
Net loans and leases to core deposits149.4848%109
Total domestic deposits to total assets71.4873%4,734
Equity capital to assets12.3652%1,445
Core capital (leverage) ratio11.6517%1,578
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.4491%987
Memoranda:
Average total assets$2,570,246,667377
Average earning assets$2,465,671,667358
Average equity$292,087,333367
Average total loans$2,252,026,000309
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1262%760
Cost of funding earning assets1.4223%359
Net interest margin3.7039%2,307
Noninterest income to average assets2.2301%233
Noninterest expense to average assets3.7397%677
Loan and lease loss provision to assets0.1171%2,225
Net operating income to assets1.4414%900
Return on assets (ROA)1.4467%959
Pretax return on assets1.9420%518
Return on Equity (ROE)13.3228%823
Retained earnings to average equity (ytd only)7.4898%1,379
Net charge-offs to loans-0.0091%4,041
Credit loss provision to net charge-offs-1,470.5882%3,631
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.4873%3,152
Assets per employee ($millions)5.2594%2,364
Cash dividends to net income (ytd only)*43.7824%1,789
Condition Ratios (%)
Loss allowance to loans1.0520%3,440
Loan loss allowance to noncurrent loans146.4704%2,588
Noncurrent assets plus other real estate owned to assets0.7999%1,695
Noncurrent loans to loans0.7182%2,202
Net loans and leases to total assets84.8686%213
Net loans and leases to deposits127.1765%48
Net loans and leases to core deposits153.7636%101
Total domestic deposits to total assets66.7329%4,946
Equity capital to assets10.6100%3,223
Core capital (leverage) ratio10.9764%2,498
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0388%1,893
Memoranda:
Average total assets$2,561,483,500363
Average earning assets$2,463,365,000345
Average equity$278,139,000383
Average total loans$2,252,956,500303
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5296%535
Cost of funding earning assets1.6916%198
Net interest margin3.8380%2,376
Noninterest income to average assets2.9423%155
Noninterest expense to average assets3.7940%676
Loan and lease loss provision to assets0.0417%3,181
Net operating income to assets2.1017%274
Return on assets (ROA)2.1017%287
Pretax return on assets2.8059%126
Return on Equity (ROE)19.6300%230
Retained earnings to average equity (ytd only)13.8803%131
Net charge-offs to loans-0.0616%4,861
Credit loss provision to net charge-offs-74.4602%4,192
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.0529%4,085
Assets per employee ($millions)5.2490%2,286
Cash dividends to net income (ytd only)*29.2905%3,111
Condition Ratios (%)
Loss allowance to loans1.0105%3,434
Loan loss allowance to noncurrent loans130.0228%2,837
Noncurrent assets plus other real estate owned to assets0.8708%1,472
Noncurrent loans to loans0.7772%1,958
Net loans and leases to total assets89.3282%57
Net loans and leases to deposits134.9944%33
Net loans and leases to core deposits157.3909%90
Total domestic deposits to total assets66.1718%5,025
Equity capital to assets11.1184%2,889
Core capital (leverage) ratio10.7667%2,703
Tier 1 risk-based capital ratio14.1076%3,211
Total risk-based capital ratio15.2950%3,152
Memoranda:
Average total assets$2,399,010,600359
Average earning assets$2,312,284,000350
Average equity$256,846,800386
Average total loans$2,181,463,800305
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5054%579
Cost of funding earning assets1.7142%191
Net interest margin3.7912%2,627
Noninterest income to average assets2.8102%167
Noninterest expense to average assets3.7255%725
Loan and lease loss provision to assets0.0562%2,785
Net operating income to assets1.9978%397
Return on assets (ROA)1.9978%414
Pretax return on assets2.6637%181
Return on Equity (ROE)18.8513%323
Retained earnings to average equity (ytd only)12.9786%281
Net charge-offs to loans-0.0939%4,976
Credit loss provision to net charge-offs-65.7030%4,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.7250%3,977
Assets per employee ($millions)5.3123%2,205
Cash dividends to net income (ytd only)*31.1526%2,551
Condition Ratios (%)
Loss allowance to loans0.9800%3,684
Loan loss allowance to noncurrent loans116.4053%3,066
Noncurrent assets plus other real estate owned to assets0.9080%1,497
Noncurrent loans to loans0.8419%1,895
Net loans and leases to total assets89.6860%47
Net loans and leases to deposits125.0725%65
Net loans and leases to core deposits161.0998%84
Total domestic deposits to total assets71.7072%4,933
Equity capital to assets10.2989%3,730
Core capital (leverage) ratio10.3452%3,264
Tier 1 risk-based capital ratio13.2092%3,734
Total risk-based capital ratio14.3780%3,683
Memoranda:
Average total assets$2,372,818,500363
Average earning assets$2,275,191,750354
Average equity$251,463,250393
Average total loans$2,161,976,750312
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4695%599
Cost of funding earning assets1.6883%190
Net interest margin3.7812%2,643
Noninterest income to average assets2.4105%209
Noninterest expense to average assets3.4785%985
Loan and lease loss provision to assets0.0870%2,111
Net operating income to assets1.8618%531
Return on assets (ROA)1.8618%553
Pretax return on assets2.4824%245
Return on Equity (ROE)17.3837%425
Retained earnings to average equity (ytd only)11.3875%496
Net charge-offs to loans-0.1430%5,071
Credit loss provision to net charge-offs-66.6223%3,846
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.4325%4,078
Assets per employee ($millions)5.0482%2,420
Cash dividends to net income (ytd only)*34.4934%2,435
Condition Ratios (%)
Loss allowance to loans1.0420%3,382
Loan loss allowance to noncurrent loans110.9883%3,162
Noncurrent assets plus other real estate owned to assets1.0192%1,367
Noncurrent loans to loans0.9388%1,735
Net loans and leases to total assets89.5410%63
Net loans and leases to deposits125.8597%56
Net loans and leases to core deposits153.2486%119
Total domestic deposits to total assets71.1435%5,010
Equity capital to assets10.4929%3,521
Core capital (leverage) ratio10.5118%3,076
Tier 1 risk-based capital ratio13.1467%3,762
Total risk-based capital ratio14.3577%3,688
Memoranda:
Average total assets$2,299,632,000376
Average earning assets$2,212,166,670360
Average equity$246,288,670399
Average total loans$2,099,965,670319
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4049%628
Cost of funding earning assets1.6123%219
Net interest margin3.7926%2,555
Noninterest income to average assets1.7128%308
Noninterest expense to average assets3.3054%1,276
Loan and lease loss provision to assets0.1793%926
Net operating income to assets1.4172%1,330
Return on assets (ROA)1.4172%1,359
Pretax return on assets1.8896%810
Return on Equity (ROE)13.0877%1,184
Retained earnings to average equity (ytd only)6.9728%2,057
Net charge-offs to loans0.0348%1,773
Credit loss provision to net charge-offs561.7978%572
Earnings coverage of net charge-offs (x)64.8090%882
Efficiency ratio61.4063%3,623
Assets per employee ($millions)4.9362%2,605
Cash dividends to net income (ytd only)*46.7223%1,716
Condition Ratios (%)
Loss allowance to loans1.0194%3,586
Loan loss allowance to noncurrent loans87.8147%3,568
Noncurrent assets plus other real estate owned to assets1.3408%952
Noncurrent loans to loans1.1609%1,435
Net loans and leases to total assets90.9270%35
Net loans and leases to deposits115.4264%134
Net loans and leases to core deposits141.4613%175
Total domestic deposits to total assets78.7748%4,390
Equity capital to assets10.7480%3,106
Core capital (leverage) ratio10.7382%2,816
Tier 1 risk-based capital ratio13.9522%3,361
Total risk-based capital ratio15.1925%3,287
Memoranda:
Average total assets$2,230,300,000389
Average earning assets$2,153,232,500366
Average equity$241,509,000406
Average total loans$2,046,817,000329
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3200%560
Cost of funding earning assets1.1987%347
Net interest margin4.1213%1,612
Noninterest income to average assets1.7932%314
Noninterest expense to average assets3.5894%885
Loan and lease loss provision to assets0.1669%1,210
Net operating income to assets1.5164%1,080
Return on assets (ROA)1.5160%1,063
Pretax return on assets2.0109%553
Return on Equity (ROE)13.0598%1,322
Retained earnings to average equity (ytd only)0.3878%4,881
Net charge-offs to loans0.0662%2,168
Credit loss provision to net charge-offs282.1906%1,076
Earnings coverage of net charge-offs (x)36.8194%1,406
Efficiency ratio62.1331%3,496
Assets per employee ($millions)4.8992%2,616
Cash dividends to net income (ytd only)*97.0308%311
Condition Ratios (%)
Loss allowance to loans1.0228%3,541
Loan loss allowance to noncurrent loans92.6346%3,537
Noncurrent assets plus other real estate owned to assets1.2817%998
Noncurrent loans to loans1.1041%1,470
Net loans and leases to total assets90.7415%48
Net loans and leases to deposits118.0919%116
Net loans and leases to core deposits154.9494%112
Total domestic deposits to total assets76.8397%4,649
Equity capital to assets10.9125%2,779
Core capital (leverage) ratio11.1525%2,397
Tier 1 risk-based capital ratio14.3047%3,166
Total risk-based capital ratio15.5493%3,083
Memoranda:
Average total assets$2,021,584,400412
Average earning assets$1,949,547,600399
Average equity$234,674,200401
Average total loans$1,806,256,600351
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3107%512
Cost of funding earning assets1.0994%402
Net interest margin4.2113%1,325
Noninterest income to average assets1.8333%315
Noninterest expense to average assets3.7029%753
Loan and lease loss provision to assets0.1767%1,037
Net operating income to assets1.5204%1,149
Return on assets (ROA)1.5200%1,146
Pretax return on assets2.0125%603
Return on Equity (ROE)12.8811%1,480
Retained earnings to average equity (ytd only)-1.9766%5,195
Net charge-offs to loans0.0915%1,585
Credit loss provision to net charge-offs217.6617%1,299
Earnings coverage of net charge-offs (x)26.9735%1,719
Efficiency ratio62.7400%3,386
Assets per employee ($millions)4.4121%3,255
Cash dividends to net income (ytd only)*115.3447%172
Condition Ratios (%)
Loss allowance to loans1.0628%3,396
Loan loss allowance to noncurrent loans91.6562%3,605
Noncurrent assets plus other real estate owned to assets1.3028%1,044
Noncurrent loans to loans1.1595%1,455
Net loans and leases to total assets89.7146%84
Net loans and leases to deposits117.6429%132
Net loans and leases to core deposits144.9236%174
Total domestic deposits to total assets76.2601%4,759
Equity capital to assets11.5052%2,257
Core capital (leverage) ratio11.4475%2,215
Tier 1 risk-based capital ratio14.1753%3,284
Total risk-based capital ratio15.3856%3,218
Memoranda:
Average total assets$1,980,722,500415
Average earning assets$1,909,227,750403
Average equity$233,732,500400
Average total loans$1,757,016,000361
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1333%620
Cost of funding earning assets1.0157%438
Net interest margin4.1176%1,499
Noninterest income to average assets1.8133%314
Noninterest expense to average assets3.6798%790
Loan and lease loss provision to assets0.2400%654
Net operating income to assets1.4255%1,350
Return on assets (ROA)1.4248%1,356
Pretax return on assets1.8575%867
Return on Equity (ROE)11.9701%1,734
Retained earnings to average equity (ytd only)-7.2071%5,365
Net charge-offs to loans0.1556%992
Credit loss provision to net charge-offs175.2424%1,423
Earnings coverage of net charge-offs (x)15.3229%2,050
Efficiency ratio63.5827%3,374
Assets per employee ($millions)4.3479%3,356
Cash dividends to net income (ytd only)*160.2093%116
Condition Ratios (%)
Loss allowance to loans1.0792%3,390
Loan loss allowance to noncurrent loans80.2084%3,840
Noncurrent assets plus other real estate owned to assets1.4786%902
Noncurrent loans to loans1.3455%1,262
Net loans and leases to total assets89.3138%92
Net loans and leases to deposits117.8485%132
Net loans and leases to core deposits144.6560%158
Total domestic deposits to total assets75.7869%4,875
Equity capital to assets11.6235%2,109
Core capital (leverage) ratio11.8802%1,785
Tier 1 risk-based capital ratio14.0364%3,340
Total risk-based capital ratio15.2358%3,292
Memoranda:
Average total assets$1,958,556,000420
Average earning assets$1,885,833,330405
Average equity$233,131,330402
Average total loans$1,723,892,670365
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0035%696
Cost of funding earning assets0.9849%395
Net interest margin4.0186%1,666
Noninterest income to average assets1.8723%295
Noninterest expense to average assets3.7407%717
Loan and lease loss provision to assets0.3802%306
Net operating income to assets1.3507%1,478
Return on assets (ROA)1.3493%1,495
Pretax return on assets1.6150%1,348
Return on Equity (ROE)11.2014%1,882
Retained earnings to average equity (ytd only)-20.6355%5,511
Net charge-offs to loans0.3821%411
Credit loss provision to net charge-offs114.5511%1,419
Earnings coverage of net charge-offs (x)6.0167%2,187
Efficiency ratio65.0931%3,303
Assets per employee ($millions)4.1704%3,696
Cash dividends to net income (ytd only)*284.2217%88
Condition Ratios (%)
Loss allowance to loans1.0972%3,401
Loan loss allowance to noncurrent loans88.2849%3,683
Noncurrent assets plus other real estate owned to assets1.4046%1,029
Noncurrent loans to loans1.2428%1,464
Net loans and leases to total assets88.0994%126
Net loans and leases to deposits114.1446%177
Net loans and leases to core deposits137.6685%239
Total domestic deposits to total assets77.1823%4,841
Equity capital to assets12.0065%1,783
Core capital (leverage) ratio11.7014%1,848
Tier 1 risk-based capital ratio14.5059%3,117
Total risk-based capital ratio15.7158%3,049
Memoranda:
Average total assets$1,946,503,000428
Average earning assets$1,872,215,500410
Average equity$234,470,000403
Average total loans$1,690,784,000373
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0065%641
Cost of funding earning assets0.9075%358
Net interest margin4.0990%1,440
Noninterest income to average assets2.4070%230
Noninterest expense to average assets4.0541%499
Loan and lease loss provision to assets0.0482%3,261
Net operating income to assets1.3366%1,146
Return on assets (ROA)1.3438%1,154
Pretax return on assets2.2501%292
Return on Equity (ROE)11.4436%1,353
Retained earnings to average equity (ytd only)7.0876%1,043
Net charge-offs to loans-0.0516%5,198
Credit loss provision to net charge-offs-111.5023%4,728
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.7631%3,636
Assets per employee ($millions)4.2639%3,559
Cash dividends to net income (ytd only)*38.0651%2,940
Condition Ratios (%)
Loss allowance to loans1.0826%3,435
Loan loss allowance to noncurrent loans88.0119%3,751
Noncurrent assets plus other real estate owned to assets1.3535%1,053
Noncurrent loans to loans1.2300%1,437
Net loans and leases to total assets83.8396%464
Net loans and leases to deposits129.0745%49
Net loans and leases to core deposits139.9725%214
Total domestic deposits to total assets64.9545%5,538
Equity capital to assets12.0830%1,778
Core capital (leverage) ratio11.9640%1,621
Tier 1 risk-based capital ratio15.0779%2,812
Total risk-based capital ratio16.2526%2,778
Memoranda:
Average total assets$1,972,109,000413
Average earning assets$1,892,725,200398
Average equity$231,587,200394
Average total loans$1,650,868,600366
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9705%650
Cost of funding earning assets0.8882%374
Net interest margin4.0823%1,437
Noninterest income to average assets2.3785%241
Noninterest expense to average assets4.1310%440
Loan and lease loss provision to assets0.0644%2,785
Net operating income to assets1.2914%1,369
Return on assets (ROA)1.3011%1,368
Pretax return on assets2.1156%437
Return on Equity (ROE)11.1618%1,624
Retained earnings to average equity (ytd only)6.7606%1,815
Net charge-offs to loans-0.0627%5,235
Credit loss provision to net charge-offs-123.0570%4,542
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.4403%3,299
Assets per employee ($millions)4.3990%3,313
Cash dividends to net income (ytd only)*39.4309%2,314
Condition Ratios (%)
Loss allowance to loans1.0537%3,765
Loan loss allowance to noncurrent loans101.1598%3,511
Noncurrent assets plus other real estate owned to assets1.0961%1,517
Noncurrent loans to loans1.0416%1,858
Net loans and leases to total assets83.6865%467
Net loans and leases to deposits130.0397%41
Net loans and leases to core deposits140.9943%194
Total domestic deposits to total assets64.3546%5,614
Equity capital to assets11.5587%2,312
Core capital (leverage) ratio11.3707%2,123
Tier 1 risk-based capital ratio14.1605%3,372
Total risk-based capital ratio15.2820%3,342
Memoranda:
Average total assets$1,966,264,500416
Average earning assets$1,886,855,000397
Average equity$229,205,500398
Average total loans$1,640,756,000368
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9582%600
Cost of funding earning assets0.8489%407
Net interest margin4.1093%1,303
Noninterest income to average assets2.2620%263
Noninterest expense to average assets4.1425%444
Loan and lease loss provision to assets0.0979%2,048
Net operating income to assets1.2071%1,570
Return on assets (ROA)1.2219%1,567
Pretax return on assets1.9868%543
Return on Equity (ROE)10.4509%1,861
Retained earnings to average equity (ytd only)6.0028%2,112
Net charge-offs to loans-0.0454%5,137
Credit loss provision to net charge-offs-259.5628%4,521
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.5908%3,246
Assets per employee ($millions)4.4526%3,190
Cash dividends to net income (ytd only)*42.5618%2,213
Condition Ratios (%)
Loss allowance to loans1.0380%3,912
Loan loss allowance to noncurrent loans131.1456%3,047
Noncurrent assets plus other real estate owned to assets0.8807%2,013
Noncurrent loans to loans0.7915%2,425
Net loans and leases to total assets82.6061%594
Net loans and leases to deposits126.6278%55
Net loans and leases to core deposits139.1597%189
Total domestic deposits to total assets65.2354%5,647
Equity capital to assets11.1972%2,595
Core capital (leverage) ratio11.3818%2,061
Tier 1 risk-based capital ratio13.6735%3,606
Total risk-based capital ratio14.7552%3,613
Memoranda:
Average total assets$1,939,838,670420
Average earning assets$1,860,901,000401
Average equity$226,794,670402
Average total loans$1,610,984,000375
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7818%779
Cost of funding earning assets0.8108%456
Net interest margin3.9711%1,548
Noninterest income to average assets2.2381%270
Noninterest expense to average assets4.1669%441
Loan and lease loss provision to assets0.1169%1,638
Net operating income to assets1.0842%1,935
Return on assets (ROA)1.0842%1,977
Pretax return on assets1.7629%876
Return on Equity (ROE)9.0639%2,386
Retained earnings to average equity (ytd only)4.5808%3,136
Net charge-offs to loans0.0056%2,778
Credit loss provision to net charge-offs2,500.0000%134
Earnings coverage of net charge-offs (x)401.8636%143
Efficiency ratio68.7214%3,094
Assets per employee ($millions)3.7619%4,396
Cash dividends to net income (ytd only)*49.4607%1,697
Condition Ratios (%)
Loss allowance to loans1.0845%3,796
Loan loss allowance to noncurrent loans143.1272%2,909
Noncurrent assets plus other real estate owned to assets0.8161%2,256
Noncurrent loans to loans0.7577%2,589
Net loans and leases to total assets81.7874%591
Net loans and leases to deposits123.0304%71
Net loans and leases to core deposits132.0464%233
Total domestic deposits to total assets66.4774%5,702
Equity capital to assets11.9332%1,889
Core capital (leverage) ratio11.8305%1,732
Tier 1 risk-based capital ratio14.6573%3,136
Total risk-based capital ratio15.7870%3,111
Memoranda:
Average total assets$1,881,215,000437
Average earning assets$1,804,250,000420
Average equity$225,024,000407
Average total loans$1,557,924,500383
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7382%985
Cost of funding earning assets0.8059%487
Net interest margin3.9324%1,846
Noninterest income to average assets4.0877%144
Noninterest expense to average assets5.2991%225
Loan and lease loss provision to assets0.0456%3,472
Net operating income to assets1.5778%715
Return on assets (ROA)1.6006%704
Pretax return on assets2.5506%188
Return on Equity (ROE)13.2295%944
Retained earnings to average equity (ytd only)1.8453%4,480
Net charge-offs to loans-0.0654%5,466
Credit loss provision to net charge-offs-84.9257%4,873
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3127%3,383
Assets per employee ($millions)3.5752%4,647
Cash dividends to net income (ytd only)*86.0519%708
Condition Ratios (%)
Loss allowance to loans1.0684%3,902
Loan loss allowance to noncurrent loans90.0546%3,826
Noncurrent assets plus other real estate owned to assets1.1745%1,552
Noncurrent loans to loans1.1864%1,729
Net loans and leases to total assets82.0620%600
Net loans and leases to deposits121.2552%81
Net loans and leases to core deposits131.4521%267
Total domestic deposits to total assets67.6771%5,725
Equity capital to assets11.9906%1,815
Core capital (leverage) ratio11.3950%2,014
Tier 1 risk-based capital ratio13.5915%3,711
Total risk-based capital ratio14.6171%3,758
Memoranda:
Average total assets$1,752,737,600448
Average earning assets$1,681,317,600423
Average equity$212,056,600412
Average total loans$1,439,788,000388
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6476%1,194
Cost of funding earning assets0.7908%531
Net interest margin3.8569%2,132
Noninterest income to average assets3.6923%161
Noninterest expense to average assets5.2318%231
Loan and lease loss provision to assets0.0618%2,995
Net operating income to assets1.3206%1,231
Return on assets (ROA)1.3514%1,241
Pretax return on assets2.1476%425
Return on Equity (ROE)11.1432%1,621
Retained earnings to average equity (ytd only)-2.9166%5,647
Net charge-offs to loans-0.1123%5,612
Credit loss provision to net charge-offs-67.2269%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6682%2,797
Assets per employee ($millions)3.9429%4,058
Cash dividends to net income (ytd only)*126.1737%194
Condition Ratios (%)
Loss allowance to loans1.0454%4,151
Loan loss allowance to noncurrent loans83.3300%3,983
Noncurrent assets plus other real estate owned to assets1.3482%1,398
Noncurrent loans to loans1.2545%1,783
Net loans and leases to total assets82.0979%607
Net loans and leases to deposits122.1943%93
Net loans and leases to core deposits130.9396%285
Total domestic deposits to total assets67.1864%5,789
Equity capital to assets11.2319%2,760
Core capital (leverage) ratio11.2100%2,262
Tier 1 risk-based capital ratio12.8934%4,226
Total risk-based capital ratio13.9210%4,265
Memoranda:
Average total assets$1,725,254,000456
Average earning assets$1,655,420,750432
Average equity$209,234,250418
Average total loans$1,413,472,000394
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6133%1,244
Cost of funding earning assets0.7842%533
Net interest margin3.8291%2,212
Noninterest income to average assets2.9836%203
Noninterest expense to average assets4.8971%284
Loan and lease loss provision to assets0.0966%2,224
Net operating income to assets1.0473%2,198
Return on assets (ROA)1.0954%2,098
Pretax return on assets1.7407%999
Return on Equity (ROE)8.7802%2,592
Retained earnings to average equity (ytd only)4.7598%2,893
Net charge-offs to loans-0.0198%4,947
Credit loss provision to net charge-offs-597.0149%4,971
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.4483%2,441
Assets per employee ($millions)3.6880%4,464
Cash dividends to net income (ytd only)*45.7892%2,151
Condition Ratios (%)
Loss allowance to loans1.0963%3,962
Loan loss allowance to noncurrent loans97.5276%3,759
Noncurrent assets plus other real estate owned to assets1.3381%1,498
Noncurrent loans to loans1.1241%2,049
Net loans and leases to total assets82.0630%622
Net loans and leases to deposits124.4204%72
Net loans and leases to core deposits133.8070%255
Total domestic deposits to total assets65.9562%5,888
Equity capital to assets12.1888%1,980
Core capital (leverage) ratio12.2995%1,458
Tier 1 risk-based capital ratio14.4268%3,360
Total risk-based capital ratio15.5192%3,375
Memoranda:
Average total assets$1,656,338,670468
Average earning assets$1,589,938,670443
Average equity$206,645,670422
Average total loans$1,350,333,330404
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6106%1,239
Cost of funding earning assets0.7818%536
Net interest margin3.8287%2,191
Noninterest income to average assets2.5601%244
Noninterest expense to average assets4.5185%389
Loan and lease loss provision to assets0.0740%2,482
Net operating income to assets1.0333%2,149
Return on assets (ROA)1.0432%2,225
Pretax return on assets1.6567%1,167
Return on Equity (ROE)8.2606%2,776
Retained earnings to average equity (ytd only)4.2035%3,375
Net charge-offs to loans-0.0397%5,209
Credit loss provision to net charge-offs-230.7692%4,374
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.3862%2,745
Assets per employee ($millions)3.7268%4,424
Cash dividends to net income (ytd only)*49.1133%1,782
Condition Ratios (%)
Loss allowance to loans1.1198%3,947
Loan loss allowance to noncurrent loans101.6387%3,600
Noncurrent assets plus other real estate owned to assets1.3494%1,570
Noncurrent loans to loans1.1018%2,198
Net loans and leases to total assets80.7267%714
Net loans and leases to deposits120.7368%94
Net loans and leases to core deposits131.7130%245
Total domestic deposits to total assets66.8617%5,953
Equity capital to assets12.3796%1,764
Core capital (leverage) ratio12.7307%1,260
Tier 1 risk-based capital ratio15.0133%3,151
Total risk-based capital ratio16.1285%3,150
Memoranda:
Average total assets$1,621,516,000474
Average earning assets$1,555,810,000449
Average equity$204,780,500420
Average total loans$1,309,453,000406
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5752%1,397
Cost of funding earning assets0.7160%758
Net interest margin3.8592%2,169
Noninterest income to average assets3.7447%169
Noninterest expense to average assets5.0824%266
Loan and lease loss provision to assets-0.2418%6,026
Net operating income to assets1.6777%603
Return on assets (ROA)1.6874%609
Pretax return on assets2.6099%173
Return on Equity (ROE)12.0450%1,287
Retained earnings to average equity (ytd only)0.3543%5,373
Net charge-offs to loans-0.0904%5,746
Credit loss provision to net charge-offs334.6266%894
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.2577%3,518
Assets per employee ($millions)3.6764%4,513
Cash dividends to net income (ytd only)*97.0587%447
Condition Ratios (%)
Loss allowance to loans1.1701%3,643
Loan loss allowance to noncurrent loans99.1140%3,707
Noncurrent assets plus other real estate owned to assets1.4112%1,486
Noncurrent loans to loans1.1806%1,996
Net loans and leases to total assets78.8891%1,008
Net loans and leases to deposits117.8088%121
Net loans and leases to core deposits126.0724%334
Total domestic deposits to total assets66.9637%5,997
Equity capital to assets12.8911%1,403
Core capital (leverage) ratio13.3115%1,033
Tier 1 risk-based capital ratio15.4856%2,936
Total risk-based capital ratio16.6151%2,940
Memoranda:
Average total assets$1,426,551,400500
Average earning assets$1,364,362,400474
Average equity$199,842,200415
Average total loans$1,140,345,200434
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5710%1,408
Cost of funding earning assets0.6984%844
Net interest margin3.8727%2,121
Noninterest income to average assets3.8566%163
Noninterest expense to average assets5.3083%230
Loan and lease loss provision to assets-0.3842%6,180
Net operating income to assets1.7133%605
Return on assets (ROA)1.7244%618
Pretax return on assets2.6495%193
Return on Equity (ROE)12.0359%1,364
Retained earnings to average equity (ytd only)-2.5418%5,899
Net charge-offs to loans-0.1270%5,873
Credit loss provision to net charge-offs378.4295%796
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1537%3,183
Assets per employee ($millions)3.5998%4,610
Cash dividends to net income (ytd only)*121.1186%221
Condition Ratios (%)
Loss allowance to loans1.1667%3,835
Loan loss allowance to noncurrent loans80.8837%4,145
Noncurrent assets plus other real estate owned to assets1.6991%1,272
Noncurrent loans to loans1.4424%1,745
Net loans and leases to total assets79.8006%846
Net loans and leases to deposits120.7914%97
Net loans and leases to core deposits129.0203%294
Total domestic deposits to total assets66.0648%6,093
Equity capital to assets13.2478%1,334
Core capital (leverage) ratio13.4223%1,047
Tier 1 risk-based capital ratio15.5337%3,033
Total risk-based capital ratio16.6514%3,019
Memoranda:
Average total assets$1,387,974,250513
Average earning assets$1,326,051,750490
Average equity$198,855,000419
Average total loans$1,109,958,250444
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5749%1,335
Cost of funding earning assets0.6844%917
Net interest margin3.8905%2,018
Noninterest income to average assets4.2814%149
Noninterest expense to average assets5.4919%226
Loan and lease loss provision to assets-0.5941%6,288
Net operating income to assets2.0116%358
Return on assets (ROA)2.0116%373
Pretax return on assets3.0949%127
Return on Equity (ROE)13.6559%969
Retained earnings to average equity (ytd only)-6.6298%6,075
Net charge-offs to loans-0.1271%5,868
Credit loss provision to net charge-offs586.5103%567
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.6183%3,569
Assets per employee ($millions)3.3992%4,983
Cash dividends to net income (ytd only)*148.5493%199
Condition Ratios (%)
Loss allowance to loans1.2466%3,524
Loan loss allowance to noncurrent loans54.8428%4,868
Noncurrent assets plus other real estate owned to assets2.4625%775
Noncurrent loans to loans2.2730%1,043
Net loans and leases to total assets77.3174%1,163
Net loans and leases to deposits118.5102%111
Net loans and leases to core deposits126.0214%337
Total domestic deposits to total assets65.2411%6,188
Equity capital to assets13.9017%1,015
Core capital (leverage) ratio14.1193%810
Tier 1 risk-based capital ratio16.6763%2,529
Total risk-based capital ratio17.8614%2,512
Memoranda:
Average total assets$1,346,666,000527
Average earning assets$1,284,652,330505
Average equity$198,375,670422
Average total loans$1,073,029,000452
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5346%1,365
Cost of funding earning assets0.6649%1,021
Net interest margin3.8697%1,999
Noninterest income to average assets3.7863%170
Noninterest expense to average assets5.4860%226
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.2926%1,298
Return on assets (ROA)1.2926%1,380
Pretax return on assets1.9887%600
Return on Equity (ROE)8.5150%2,689
Retained earnings to average equity (ytd only)-24.6837%6,306
Net charge-offs to loans0.0756%1,953
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)32.7186%1,091
Efficiency ratio73.2919%2,945
Assets per employee ($millions)3.2158%5,386
Cash dividends to net income (ytd only)*389.8866%51
Condition Ratios (%)
Loss allowance to loans1.5728%2,150
Loan loss allowance to noncurrent loans101.4271%3,660
Noncurrent assets plus other real estate owned to assets1.9551%1,225
Noncurrent loans to loans1.5507%1,809
Net loans and leases to total assets79.4623%744
Net loans and leases to deposits125.1363%54
Net loans and leases to core deposits129.4913%249
Total domestic deposits to total assets63.5006%6,287
Equity capital to assets14.4125%854
Core capital (leverage) ratio14.5565%677
Tier 1 risk-based capital ratio18.0785%2,113
Total risk-based capital ratio19.3331%2,063
Memoranda:
Average total assets$1,309,576,500539
Average earning assets$1,248,274,500517
Average equity$198,803,000421
Average total loans$1,053,330,000460
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5441%1,714
Cost of funding earning assets0.5446%2,249
Net interest margin3.9996%1,899
Noninterest income to average assets3.7355%154
Noninterest expense to average assets5.5238%227
Loan and lease loss provision to assets-0.4207%6,427
Net operating income to assets1.5825%733
Return on assets (ROA)1.6327%690
Pretax return on assets2.5120%185
Return on Equity (ROE)9.5431%2,317
Retained earnings to average equity (ytd only)2.8380%4,220
Net charge-offs to loans-0.1051%6,125
Credit loss provision to net charge-offs546.4481%487
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.1700%2,991
Assets per employee ($millions)3.2359%5,379
Cash dividends to net income (ytd only)*70.2618%1,277
Condition Ratios (%)
Loss allowance to loans1.6739%1,845
Loan loss allowance to noncurrent loans103.1141%3,638
Noncurrent assets plus other real estate owned to assets2.0747%1,205
Noncurrent loans to loans1.6233%1,804
Net loans and leases to total assets78.7794%907
Net loans and leases to deposits126.6771%59
Net loans and leases to core deposits130.2306%242
Total domestic deposits to total assets62.1892%6,383
Equity capital to assets15.9827%539
Core capital (leverage) ratio15.7707%494
Tier 1 risk-based capital ratio22.5191%1,148
Total risk-based capital ratio23.7774%1,134
Memoranda:
Average total assets$1,188,550,400569
Average earning assets$1,129,920,800549
Average equity$203,350,600399
Average total loans$870,438,600510
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5791%1,619
Cost of funding earning assets0.5298%2,468
Net interest margin4.0494%1,724
Noninterest income to average assets3.7540%156
Noninterest expense to average assets5.6295%218
Loan and lease loss provision to assets-0.5721%6,544
Net operating income to assets1.6530%673
Return on assets (ROA)1.7213%614
Pretax return on assets2.6481%171
Return on Equity (ROE)9.8821%2,273
Retained earnings to average equity (ytd only)2.1052%5,002
Net charge-offs to loans0.1253%2,546
Credit loss provision to net charge-offs-640.2049%5,800
Earnings coverage of net charge-offs (x)22.0563%1,649
Efficiency ratio73.9557%2,826
Assets per employee ($millions)2.9287%5,812
Cash dividends to net income (ytd only)*78.6972%777
Condition Ratios (%)
Loss allowance to loans1.7222%1,906
Loan loss allowance to noncurrent loans80.0879%4,186
Noncurrent assets plus other real estate owned to assets2.5372%1,029
Noncurrent loans to loans2.1503%1,431
Net loans and leases to total assets76.9919%1,091
Net loans and leases to deposits112.2196%176
Net loans and leases to core deposits115.2239%540
Total domestic deposits to total assets68.6083%6,324
Equity capital to assets17.6172%366
Core capital (leverage) ratio17.3867%332
Tier 1 risk-based capital ratio21.6236%1,319
Total risk-based capital ratio22.8789%1,300
Memoranda:
Average total assets$1,165,338,750579
Average earning assets$1,106,904,750551
Average equity$202,987,750397
Average total loans$831,382,750529
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5344%1,723
Cost of funding earning assets0.5066%2,766
Net interest margin4.0278%1,733
Noninterest income to average assets3.5775%157
Noninterest expense to average assets5.4453%241
Loan and lease loss provision to assets-0.8539%6,628
Net operating income to assets1.8256%468
Return on assets (ROA)1.8820%438
Pretax return on assets2.8954%125
Return on Equity (ROE)10.8447%1,793
Retained earnings to average equity (ytd only)9.9393%728
Net charge-offs to loans0.5144%790
Credit loss provision to net charge-offs-240.3846%5,430
Earnings coverage of net charge-offs (x)5.5029%2,914
Efficiency ratio73.4693%3,068
Assets per employee ($millions)3.0289%5,718
Cash dividends to net income (ytd only)*8.3485%3,503
Condition Ratios (%)
Loss allowance to loans1.7171%2,079
Loan loss allowance to noncurrent loans72.2542%4,425
Noncurrent assets plus other real estate owned to assets2.5195%1,122
Noncurrent loans to loans2.3765%1,344
Net loans and leases to total assets68.4066%2,346
Net loans and leases to deposits107.7537%254
Net loans and leases to core deposits109.4207%717
Total domestic deposits to total assets63.4842%6,516
Equity capital to assets17.6446%351
Core capital (leverage) ratio17.3986%334
Tier 1 risk-based capital ratio22.9476%1,118
Total risk-based capital ratio24.2018%1,103
Memoranda:
Average total assets$1,171,103,670575
Average earning assets$1,111,422,000548
Average equity$203,232,670392
Average total loans$808,713,670541
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4877%1,851
Cost of funding earning assets0.5027%2,878
Net interest margin3.9850%1,819
Noninterest income to average assets3.1178%176
Noninterest expense to average assets5.4528%248
Loan and lease loss provision to assets-1.7197%6,718
Net operating income to assets2.0563%302
Return on assets (ROA)2.1699%264
Pretax return on assets3.3383%113
Return on Equity (ROE)12.6117%1,257
Retained earnings to average equity (ytd only)12.6117%532
Net charge-offs to loans1.2997%250
Credit loss provision to net charge-offs-192.3817%4,957
Earnings coverage of net charge-offs (x)1.6152%3,057
Efficiency ratio78.9398%2,347
Assets per employee ($millions)2.7595%6,147
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.7164%2,300
Loan loss allowance to noncurrent loans60.3390%4,831
Noncurrent assets plus other real estate owned to assets2.8439%1,030
Noncurrent loans to loans2.8446%1,151
Net loans and leases to total assets67.2216%2,355
Net loans and leases to deposits102.7214%342
Net loans and leases to core deposits104.4043%831
Total domestic deposits to total assets65.4407%6,566
Equity capital to assets17.5484%345
Core capital (leverage) ratio17.3846%334
Tier 1 risk-based capital ratio23.6393%1,051
Total risk-based capital ratio24.8936%1,035
Memoranda:
Average total assets$1,162,995,500582
Average earning assets$1,102,830,000554
Average equity$200,100,000397
Average total loans$799,873,000546
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5854%1,916
Cost of funding earning assets0.5873%2,775
Net interest margin3.9981%1,949
Noninterest income to average assets5.1526%128
Noninterest expense to average assets6.3491%173
Loan and lease loss provision to assets-0.4827%6,740
Net operating income to assets1.8834%414
Return on assets (ROA)1.9029%408
Pretax return on assets3.0786%112
Return on Equity (ROE)11.3834%1,642
Retained earnings to average equity (ytd only)8.4725%917
Net charge-offs to loans0.1204%3,607
Credit loss provision to net charge-offs-570.2648%6,158
Earnings coverage of net charge-offs (x)30.3035%1,180
Efficiency ratio71.1266%3,644
Assets per employee ($millions)2.5810%6,343
Cash dividends to net income (ytd only)*25.5719%3,481
Condition Ratios (%)
Loss allowance to loans2.6480%700
Loan loss allowance to noncurrent loans84.0313%4,061
Noncurrent assets plus other real estate owned to assets3.0915%1,010
Noncurrent loans to loans3.1512%1,087
Net loans and leases to total assets67.3281%2,468
Net loans and leases to deposits104.6350%302
Net loans and leases to core deposits105.7528%807
Total domestic deposits to total assets64.3457%6,660
Equity capital to assets16.8618%408
Core capital (leverage) ratio16.8354%391
Tier 1 risk-based capital ratio22.7273%1,142
Total risk-based capital ratio23.9923%1,116
Memoranda:
Average total assets$1,160,045,600566
Average earning assets$1,091,456,200545
Average equity$193,922,600398
Average total loans$815,768,400511
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5935%1,931
Cost of funding earning assets0.6137%2,701
Net interest margin3.9798%2,010
Noninterest income to average assets5.9165%114
Noninterest expense to average assets6.5888%163
Loan and lease loss provision to assets-0.6438%6,849
Net operating income to assets2.2806%224
Return on assets (ROA)2.2995%226
Pretax return on assets3.7391%86
Return on Equity (ROE)13.7857%1,043
Retained earnings to average equity (ytd only)13.7857%268
Net charge-offs to loans0.3043%2,015
Credit loss provision to net charge-offs-299.6255%5,967
Earnings coverage of net charge-offs (x)14.2670%1,958
Efficiency ratio68.1568%4,067
Assets per employee ($millions)2.3726%6,557
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.5967%834
Loan loss allowance to noncurrent loans64.1257%4,638
Noncurrent assets plus other real estate owned to assets3.8268%848
Noncurrent loans to loans4.0494%851
Net loans and leases to total assets67.9850%2,298
Net loans and leases to deposits100.7837%442
Net loans and leases to core deposits101.8627%997
Total domestic deposits to total assets67.4564%6,674
Equity capital to assets17.8036%341
Core capital (leverage) ratio17.7197%323
Tier 1 risk-based capital ratio23.8024%1,031
Total risk-based capital ratio25.0670%1,010
Memoranda:
Average total assets$1,159,691,250565
Average earning assets$1,089,248,250549
Average equity$193,442,250396
Average total loans$818,895,250508
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6320%1,751
Cost of funding earning assets0.6451%2,539
Net interest margin3.9868%1,912
Noninterest income to average assets5.8440%126
Noninterest expense to average assets6.8908%153
Loan and lease loss provision to assets-0.9561%6,915
Net operating income to assets2.2415%242
Return on assets (ROA)2.2696%244
Pretax return on assets3.6905%97
Return on Equity (ROE)13.9061%1,031
Retained earnings to average equity (ytd only)13.9061%307
Net charge-offs to loans0.3859%1,674
Credit loss provision to net charge-offs-349.5630%5,837
Earnings coverage of net charge-offs (x)9.8365%2,230
Efficiency ratio71.8303%3,504
Assets per employee ($millions)2.3593%6,607
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.5800%898
Loan loss allowance to noncurrent loans55.4824%4,985
Noncurrent assets plus other real estate owned to assets4.4724%737
Noncurrent loans to loans4.6501%741
Net loans and leases to total assets69.4335%1,988
Net loans and leases to deposits96.2307%654
Net loans and leases to core deposits97.7422%1,232
Total domestic deposits to total assets72.1531%6,553
Equity capital to assets17.3721%380
Core capital (leverage) ratio17.1851%357
Tier 1 risk-based capital ratio21.3203%1,418
Total risk-based capital ratio22.5831%1,389
Memoranda:
Average total assets$1,171,385,000560
Average earning assets$1,098,066,000543
Average equity$191,182,670401
Average total loans$830,210,670499
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6610%1,648
Cost of funding earning assets0.6687%2,489
Net interest margin3.9923%1,822
Noninterest income to average assets7.0557%100
Noninterest expense to average assets6.6214%164
Loan and lease loss provision to assets-1.8736%7,009
Net operating income to assets3.7169%71
Return on assets (ROA)3.7719%74
Pretax return on assets6.1333%50
Return on Equity (ROE)23.8314%146
Retained earnings to average equity (ytd only)23.8314%75
Net charge-offs to loans0.7223%845
Credit loss provision to net charge-offs-366.9725%5,398
Earnings coverage of net charge-offs (x)8.1750%1,969
Efficiency ratio61.2595%5,412
Assets per employee ($millions)2.5304%6,550
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.5819%1,029
Loan loss allowance to noncurrent loans41.0050%5,561
Noncurrent assets plus other real estate owned to assets6.1386%517
Noncurrent loans to loans6.2967%514
Net loans and leases to total assets67.4766%2,108
Net loans and leases to deposits94.9435%611
Net loans and leases to core deposits97.5886%1,108
Total domestic deposits to total assets71.0703%6,705
Equity capital to assets16.7903%448
Core capital (leverage) ratio16.5099%400
Tier 1 risk-based capital ratio19.4269%1,928
Total risk-based capital ratio20.6875%1,901
Memoranda:
Average total assets$1,195,576,000555
Average earning assets$1,119,843,500534
Average equity$189,229,500411
Average total loans$845,121,000495
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2385%1,042
Cost of funding earning assets0.9525%1,630
Net interest margin4.2859%1,427
Noninterest income to average assets5.5718%129
Noninterest expense to average assets6.2194%203
Loan and lease loss provision to assets0.3328%2,036
Net operating income to assets1.8538%467
Return on assets (ROA)1.8521%521
Pretax return on assets3.0115%145
Return on Equity (ROE)13.2081%1,178
Retained earnings to average equity (ytd only)13.2081%242
Net charge-offs to loans1.8541%422
Credit loss provision to net charge-offs22.5619%5,251
Earnings coverage of net charge-offs (x)2.2691%4,283
Efficiency ratio64.9264%4,717
Assets per employee ($millions)2.7628%6,348
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans3.1382%584
Loan loss allowance to noncurrent loans44.7321%5,396
Noncurrent assets plus other real estate owned to assets6.2957%531
Noncurrent loans to loans7.0155%453
Net loans and leases to total assets69.7648%1,890
Net loans and leases to deposits97.6144%529
Net loans and leases to core deposits101.3780%930
Total domestic deposits to total assets71.4698%6,717
Equity capital to assets14.9220%760
Core capital (leverage) ratio14.6166%649
Tier 1 risk-based capital ratio17.7279%2,372
Total risk-based capital ratio18.9965%2,323
Memoranda:
Average total assets$1,201,955,600545
Average earning assets$1,120,266,400529
Average equity$168,540,000443
Average total loans$956,222,000435
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3781%870
Cost of funding earning assets1.0093%1,502
Net interest margin4.3688%1,289
Noninterest income to average assets5.3390%136
Noninterest expense to average assets6.0068%210
Loan and lease loss provision to assets0.8930%497
Net operating income to assets1.5407%957
Return on assets (ROA)1.5384%1,069
Pretax return on assets2.5014%285
Return on Equity (ROE)11.1557%1,904
Retained earnings to average equity (ytd only)11.1557%658
Net charge-offs to loans2.4317%259
Credit loss provision to net charge-offs45.0628%4,511
Earnings coverage of net charge-offs (x)1.7146%4,414
Efficiency ratio63.7804%4,844
Assets per employee ($millions)2.8720%6,260
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans3.4200%498
Loan loss allowance to noncurrent loans38.7541%5,696
Noncurrent assets plus other real estate owned to assets8.1246%376
Noncurrent loans to loans8.8249%323
Net loans and leases to total assets73.6378%1,296
Net loans and leases to deposits99.5705%462
Net loans and leases to core deposits109.0356%605
Total domestic deposits to total assets73.9554%6,607
Equity capital to assets14.3662%1,014
Core capital (leverage) ratio14.0558%819
Tier 1 risk-based capital ratio16.9514%2,758
Total risk-based capital ratio18.2238%2,707
Memoranda:
Average total assets$1,194,387,000551
Average earning assets$1,111,587,000538
Average equity$164,706,750452
Average total loans$973,398,750428
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5185%693
Cost of funding earning assets1.0628%1,394
Net interest margin4.4556%1,068
Noninterest income to average assets4.4578%154
Noninterest expense to average assets5.6360%253
Loan and lease loss provision to assets1.3495%291
Net operating income to assets0.9903%2,509
Return on assets (ROA)0.9868%2,755
Pretax return on assets1.6045%1,537
Return on Equity (ROE)7.2599%3,640
Retained earnings to average equity (ytd only)7.2599%1,975
Net charge-offs to loans2.9899%197
Credit loss provision to net charge-offs54.1822%3,950
Earnings coverage of net charge-offs (x)1.1882%4,413
Efficiency ratio65.4722%4,629
Assets per employee ($millions)2.8862%6,261
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans3.7394%410
Loan loss allowance to noncurrent loans49.8825%5,126
Noncurrent assets plus other real estate owned to assets7.2697%514
Noncurrent loans to loans7.4964%488
Net loans and leases to total assets74.6462%1,152
Net loans and leases to deposits102.5072%320
Net loans and leases to core deposits107.5372%681
Total domestic deposits to total assets72.8204%6,759
Equity capital to assets13.7315%1,205
Core capital (leverage) ratio13.5774%952
Tier 1 risk-based capital ratio16.2477%3,034
Total risk-based capital ratio17.5252%2,989
Memoranda:
Average total assets$1,185,653,330561
Average earning assets$1,101,033,330544
Average equity$161,158,330456
Average total loans$987,651,000425
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6319%591
Cost of funding earning assets1.0895%1,458
Net interest margin4.5425%936
Noninterest income to average assets3.1745%221
Noninterest expense to average assets5.3416%294
Loan and lease loss provision to assets1.6976%192
Net operating income to assets0.2129%5,947
Return on assets (ROA)0.2129%6,092
Pretax return on assets0.3480%5,861
Return on Equity (ROE)1.5744%6,199
Retained earnings to average equity (ytd only)1.5744%5,450
Net charge-offs to loans3.8522%153
Credit loss provision to net charge-offs51.1038%3,265
Earnings coverage of net charge-offs (x)0.6158%4,025
Efficiency ratio72.1941%3,405
Assets per employee ($millions)2.9143%6,315
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans3.6779%473
Loan loss allowance to noncurrent loans50.2396%5,061
Noncurrent assets plus other real estate owned to assets8.0574%470
Noncurrent loans to loans7.3207%587
Net loans and leases to total assets82.2574%266
Net loans and leases to deposits109.8492%139
Net loans and leases to core deposits115.8528%386
Total domestic deposits to total assets74.8821%6,658
Equity capital to assets13.6587%1,168
Core capital (leverage) ratio13.4738%964
Tier 1 risk-based capital ratio15.2550%3,582
Total risk-based capital ratio16.5336%3,525
Memoranda:
Average total assets$1,178,152,500565
Average earning assets$1,092,626,000551
Average equity$159,303,500459
Average total loans$1,015,947,000414
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2560%275
Cost of funding earning assets1.4781%778
Net interest margin4.7779%654
Noninterest income to average assets2.9988%210
Noninterest expense to average assets5.1006%357
Loan and lease loss provision to assets3.3251%96
Net operating income to assets-0.6198%6,561
Return on assets (ROA)-0.6290%6,606
Pretax return on assets-1.0228%6,740
Return on Equity (ROE)-5.0711%6,531
Retained earnings to average equity (ytd only)-5.0711%6,452
Net charge-offs to loans1.6080%985
Credit loss provision to net charge-offs239.6843%1,011
Earnings coverage of net charge-offs (x)1.6700%4,516
Efficiency ratio68.6574%4,219
Assets per employee ($millions)3.1096%5,880
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans4.0158%380
Loan loss allowance to noncurrent loans158.6935%2,026
Noncurrent assets plus other real estate owned to assets3.8535%1,495
Noncurrent loans to loans2.5305%2,599
Net loans and leases to total assets83.5609%229
Net loans and leases to deposits111.3611%154
Net loans and leases to core deposits125.3966%283
Total domestic deposits to total assets75.0360%6,602
Equity capital to assets13.3858%1,330
Core capital (leverage) ratio13.2538%1,050
Tier 1 risk-based capital ratio15.0470%3,612
Total risk-based capital ratio16.3306%3,556
Memoranda:
Average total assets$1,242,050,200528
Average earning assets$1,148,618,000516
Average equity$154,067,800455
Average total loans$1,071,602,000393
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1974%326
Cost of funding earning assets1.5954%593
Net interest margin4.6020%943
Noninterest income to average assets2.6304%251
Noninterest expense to average assets5.0027%372
Loan and lease loss provision to assets4.1176%55
Net operating income to assets-1.3768%7,010
Return on assets (ROA)-1.3657%7,026
Pretax return on assets-2.2205%7,168
Return on Equity (ROE)-11.2191%6,926
Retained earnings to average equity (ytd only)-11.2191%6,893
Net charge-offs to loans1.6657%834
Credit loss provision to net charge-offs287.1309%997
Earnings coverage of net charge-offs (x)1.3107%4,633
Efficiency ratio72.5734%3,444
Assets per employee ($millions)3.2099%5,653
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans3.9807%395
Loan loss allowance to noncurrent loans164.2487%1,855
Noncurrent assets plus other real estate owned to assets3.4890%1,807
Noncurrent loans to loans2.4236%2,855
Net loans and leases to total assets83.7909%234
Net loans and leases to deposits125.5132%63
Net loans and leases to core deposits131.1768%235
Total domestic deposits to total assets66.7586%7,177
Equity capital to assets12.4535%1,947
Core capital (leverage) ratio12.3258%1,525
Tier 1 risk-based capital ratio13.9990%4,351
Total risk-based capital ratio15.2823%4,302
Memoranda:
Average total assets$1,256,377,000529
Average earning assets$1,160,820,750509
Average equity$152,938,000465
Average total loans$1,081,652,250394
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2302%315
Cost of funding earning assets1.6949%475
Net interest margin4.5353%1,043
Noninterest income to average assets2.3784%288
Noninterest expense to average assets5.6629%243
Loan and lease loss provision to assets6.1378%29
Net operating income to assets-3.2261%7,332
Return on assets (ROA)-3.1447%7,328
Pretax return on assets-5.1130%7,438
Return on Equity (ROE)-26.0282%7,206
Retained earnings to average equity (ytd only)-26.0282%7,197
Net charge-offs to loans4.8414%137
Credit loss provision to net charge-offs147.9109%2,067
Earnings coverage of net charge-offs (x)0.2163%5,149
Efficiency ratio86.1979%1,586
Assets per employee ($millions)3.1941%5,653
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.9015%980
Loan loss allowance to noncurrent loans127.7425%2,310
Noncurrent assets plus other real estate owned to assets3.5981%1,824
Noncurrent loans to loans2.2714%3,138
Net loans and leases to total assets83.3201%283
Net loans and leases to deposits115.5381%115
Net loans and leases to core deposits117.5725%487
Total domestic deposits to total assets72.1149%6,997
Equity capital to assets11.9385%2,134
Core capital (leverage) ratio11.7372%1,757
Tier 1 risk-based capital ratio13.4427%4,570
Total risk-based capital ratio14.7125%4,538
Memoranda:
Average total assets$1,264,301,670525
Average earning assets$1,165,837,000514
Average equity$152,750,000464
Average total loans$1,083,660,670405
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1433%372
Cost of funding earning assets1.7472%450
Net interest margin4.3961%1,290
Noninterest income to average assets2.6111%255
Noninterest expense to average assets7.1302%141
Loan and lease loss provision to assets12.1402%3
Net operating income to assets-7.7584%7,537
Return on assets (ROA)-7.6380%7,534
Pretax return on assets-12.4193%7,564
Return on Equity (ROE)-62.8591%7,447
Retained earnings to average equity (ytd only)-62.8591%7,438
Net charge-offs to loans10.6098%33
Credit loss provision to net charge-offs133.5720%2,075
Earnings coverage of net charge-offs (x)-0.0514%4,618
Efficiency ratio106.8936%561
Assets per employee ($millions)3.1836%5,752
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.3199%1,730
Loan loss allowance to noncurrent loans109.2631%2,653
Noncurrent assets plus other real estate owned to assets3.5616%1,908
Noncurrent loans to loans2.1232%3,416
Net loans and leases to total assets81.1537%429
Net loans and leases to deposits114.2676%127
Net loans and leases to core deposits116.2013%523
Total domestic deposits to total assets71.0208%7,133
Equity capital to assets11.5002%2,270
Core capital (leverage) ratio11.2893%1,963
Tier 1 risk-based capital ratio12.8882%4,915
Total risk-based capital ratio14.1500%4,888
Memoranda:
Average total assets$1,278,395,500523
Average earning assets$1,178,317,500516
Average equity$155,338,000459
Average total loans$1,095,136,500402
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1618%617
Cost of funding earning assets2.0369%525
Net interest margin4.1249%2,464
Noninterest income to average assets3.2485%213
Noninterest expense to average assets4.6815%557
Loan and lease loss provision to assets2.2665%538
Net operating income to assets0.0922%5,606
Return on assets (ROA)0.2168%5,378
Pretax return on assets0.3379%5,116
Return on Equity (ROE)1.8247%5,459
Retained earnings to average equity (ytd only)0.6336%5,261
Net charge-offs to loans2.4995%751
Credit loss provision to net charge-offs102.8386%4,391
Earnings coverage of net charge-offs (x)1.0934%5,020
Efficiency ratio65.9182%4,982
Assets per employee ($millions)3.2236%5,617
Cash dividends to net income (ytd only)*65.2742%1,408
Condition Ratios (%)
Loss allowance to loans1.5821%3,654
Loan loss allowance to noncurrent loans54.3617%4,756
Noncurrent assets plus other real estate owned to assets5.0322%1,267
Noncurrent loans to loans2.9102%2,620
Net loans and leases to total assets86.7223%146
Net loans and leases to deposits125.6822%90
Net loans and leases to core deposits130.2841%329
Total domestic deposits to total assets69.0013%7,286
Equity capital to assets12.7684%1,500
Core capital (leverage) ratio12.5701%1,284
Tier 1 risk-based capital ratio12.9709%4,618
Total risk-based capital ratio14.2232%4,590
Memoranda:
Average total assets$1,413,000,000477
Average earning assets$1,316,342,800467
Average equity$167,921,400412
Average total loans$1,245,934,800366
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1281%722
Cost of funding earning assets2.0615%607
Net interest margin4.0666%2,781
Noninterest income to average assets3.2469%204
Noninterest expense to average assets4.3940%664
Loan and lease loss provision to assets1.9931%598
Net operating income to assets0.4092%4,714
Return on assets (ROA)0.5558%4,238
Pretax return on assets0.8846%3,603
Return on Equity (ROE)4.7580%4,421
Retained earnings to average equity (ytd only)3.1710%4,205
Net charge-offs to loans1.9822%957
Credit loss provision to net charge-offs114.0160%3,668
Earnings coverage of net charge-offs (x)1.5151%4,590
Efficiency ratio62.2930%5,566
Assets per employee ($millions)3.5537%4,842
Cash dividends to net income (ytd only)*33.3556%2,386
Condition Ratios (%)
Loss allowance to loans1.4280%4,317
Loan loss allowance to noncurrent loans78.0727%3,450
Noncurrent assets plus other real estate owned to assets4.3132%1,578
Noncurrent loans to loans1.8290%3,897
Net loans and leases to total assets86.2766%183
Net loans and leases to deposits128.8944%72
Net loans and leases to core deposits140.9875%252
Total domestic deposits to total assets66.9359%7,432
Equity capital to assets12.0489%2,129
Core capital (leverage) ratio11.8631%1,733
Tier 1 risk-based capital ratio12.9095%4,644
Total risk-based capital ratio14.1609%4,628
Memoranda:
Average total assets$1,438,250,000464
Average earning assets$1,342,441,500452
Average equity$168,021,250404
Average total loans$1,268,396,750357
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1515%687
Cost of funding earning assets2.0717%730
Net interest margin4.0798%2,654
Noninterest income to average assets2.8856%227
Noninterest expense to average assets4.1402%872
Loan and lease loss provision to assets2.2818%512
Net operating income to assets0.1879%5,603
Return on assets (ROA)0.4099%4,871
Pretax return on assets0.6208%4,499
Return on Equity (ROE)3.5450%4,998
Retained earnings to average equity (ytd only)1.1530%5,291
Net charge-offs to loans2.6557%626
Credit loss provision to net charge-offs97.1903%4,207
Earnings coverage of net charge-offs (x)1.0931%4,701
Efficiency ratio61.6311%5,752
Assets per employee ($millions)3.6993%4,471
Cash dividends to net income (ytd only)*67.4764%1,086
Condition Ratios (%)
Loss allowance to loans1.3868%4,487
Loan loss allowance to noncurrent loans72.4805%3,730
Noncurrent assets plus other real estate owned to assets3.5169%1,992
Noncurrent loans to loans1.9133%3,852
Net loans and leases to total assets88.4856%111
Net loans and leases to deposits141.8217%44
Net loans and leases to core deposits152.2739%204
Total domestic deposits to total assets62.3921%7,618
Equity capital to assets11.9875%2,102
Core capital (leverage) ratio11.8081%1,753
Tier 1 risk-based capital ratio13.7706%3,897
Total risk-based capital ratio15.0231%3,860
Memoranda:
Average total assets$1,446,203,000462
Average earning assets$1,354,440,330451
Average equity$167,222,000409
Average total loans$1,278,540,330357
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9768%1,024
Cost of funding earning assets2.0979%815
Net interest margin3.8790%3,414
Noninterest income to average assets2.2707%285
Noninterest expense to average assets3.5416%1,875
Loan and lease loss provision to assets1.3587%878
Net operating income to assets0.6311%3,753
Return on assets (ROA)0.9033%2,602
Pretax return on assets1.4359%1,677
Return on Equity (ROE)7.9501%2,906
Retained earnings to average equity (ytd only)3.1667%4,244
Net charge-offs to loans2.7258%588
Credit loss provision to net charge-offs56.7859%4,369
Earnings coverage of net charge-offs (x)0.9902%4,177
Efficiency ratio59.8014%6,212
Assets per employee ($millions)3.8967%4,104
Cash dividends to net income (ytd only)*60.1685%1,252
Condition Ratios (%)
Loss allowance to loans1.1144%5,941
Loan loss allowance to noncurrent loans43.2131%5,472
Noncurrent assets plus other real estate owned to assets3.9522%1,749
Noncurrent loans to loans2.5789%3,093
Net loans and leases to total assets87.6401%138
Net loans and leases to deposits143.6273%49
Net loans and leases to core deposits176.4195%142
Total domestic deposits to total assets61.0192%7,738
Equity capital to assets11.6663%2,252
Core capital (leverage) ratio11.4774%1,925
Tier 1 risk-based capital ratio13.6884%3,874
Total risk-based capital ratio14.8692%3,876
Memoranda:
Average total assets$1,471,993,000474
Average earning assets$1,381,404,500463
Average equity$167,242,500413
Average total loans$1,292,113,500368
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1518%1,371
Cost of funding earning assets2.5754%840
Net interest margin3.5764%4,632
Noninterest income to average assets2.2406%317
Noninterest expense to average assets3.3637%2,795
Loan and lease loss provision to assets1.3044%1,767
Net operating income to assets0.6226%3,240
Return on assets (ROA)1.1832%1,337
Pretax return on assets1.8392%584
Return on Equity (ROE)11.1868%1,382
Retained earnings to average equity (ytd only)6.2535%1,249
Net charge-offs to loans0.9729%2,461
Credit loss provision to net charge-offs151.7220%3,039
Earnings coverage of net charge-offs (x)2.6376%3,798
Efficiency ratio59.6153%6,539
Assets per employee ($millions)4.1491%3,517
Cash dividends to net income (ytd only)*44.0990%2,736
Condition Ratios (%)
Loss allowance to loans1.3877%4,295
Loan loss allowance to noncurrent loans71.6589%3,831
Noncurrent assets plus other real estate owned to assets2.6086%2,694
Noncurrent loans to loans1.9365%3,748
Net loans and leases to total assets85.7634%295
Net loans and leases to deposits146.9091%47
Net loans and leases to core deposits167.0943%263
Total domestic deposits to total assets58.3786%7,825
Equity capital to assets11.0707%2,652
Core capital (leverage) ratio10.8692%2,303
Tier 1 risk-based capital ratio12.9378%4,183
Total risk-based capital ratio14.1902%4,133
Memoranda:
Average total assets$1,533,235,800450
Average earning assets$1,453,664,400432
Average equity$162,164,600428
Average total loans$1,354,930,000365
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1331%1,549
Cost of funding earning assets2.6821%828
Net interest margin3.4510%5,072
Noninterest income to average assets2.1827%323
Noninterest expense to average assets3.2673%3,045
Loan and lease loss provision to assets0.9523%2,020
Net operating income to assets0.7668%2,954
Return on assets (ROA)1.3399%1,204
Pretax return on assets2.1366%410
Return on Equity (ROE)12.8146%1,145
Retained earnings to average equity (ytd only)7.8464%1,179
Net charge-offs to loans0.7993%2,365
Credit loss provision to net charge-offs134.3101%3,708
Earnings coverage of net charge-offs (x)3.0936%3,690
Efficiency ratio59.7121%6,454
Assets per employee ($millions)4.1872%3,397
Cash dividends to net income (ytd only)*38.7697%2,498
Condition Ratios (%)
Loss allowance to loans1.0707%5,895
Loan loss allowance to noncurrent loans52.4877%4,820
Noncurrent assets plus other real estate owned to assets2.4308%2,836
Noncurrent loans to loans2.0400%3,579
Net loans and leases to total assets85.8808%349
Net loans and leases to deposits143.9203%66
Net loans and leases to core deposits162.2523%352
Total domestic deposits to total assets59.6725%7,884
Equity capital to assets10.8783%3,138
Core capital (leverage) ratio10.6178%2,696
Tier 1 risk-based capital ratio12.3681%4,655
Total risk-based capital ratio13.4549%4,733
Memoranda:
Average total assets$1,540,016,500458
Average earning assets$1,462,932,250441
Average equity$161,021,250440
Average total loans$1,366,194,750377
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0888%1,825
Cost of funding earning assets2.8214%743
Net interest margin3.2674%5,676
Noninterest income to average assets1.9888%377
Noninterest expense to average assets3.3114%2,911
Loan and lease loss provision to assets0.6489%2,488
Net operating income to assets0.6751%3,367
Return on assets (ROA)1.2006%1,557
Pretax return on assets1.9525%629
Return on Equity (ROE)11.6385%1,522
Retained earnings to average equity (ytd only)6.6062%1,747
Net charge-offs to loans0.4886%2,871
Credit loss provision to net charge-offs148.6326%3,108
Earnings coverage of net charge-offs (x)4.0782%3,226
Efficiency ratio64.9063%5,738
Assets per employee ($millions)4.3992%2,935
Cash dividends to net income (ytd only)*43.2386%2,295
Condition Ratios (%)
Loss allowance to loans0.9587%6,512
Loan loss allowance to noncurrent loans43.8757%5,444
Noncurrent assets plus other real estate owned to assets2.6628%2,410
Noncurrent loans to loans2.1850%3,272
Net loans and leases to total assets86.4691%334
Net loans and leases to deposits144.8495%69
Net loans and leases to core deposits162.1606%418
Total domestic deposits to total assets59.6958%7,938
Equity capital to assets10.2234%3,697
Core capital (leverage) ratio9.9773%3,321
Tier 1 risk-based capital ratio10.9671%5,904
Total risk-based capital ratio11.8904%6,177
Memoranda:
Average total assets$1,541,117,330472
Average earning assets$1,463,543,330452
Average equity$158,972,330449
Average total loans$1,376,917,670385
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0797%2,023
Cost of funding earning assets2.9200%733
Net interest margin3.1597%5,987
Noninterest income to average assets0.8008%2,318
Noninterest expense to average assets2.9684%3,897
Loan and lease loss provision to assets0.2640%3,849
Net operating income to assets0.3115%5,257
Return on assets (ROA)1.2876%1,509
Pretax return on assets2.0939%546
Return on Equity (ROE)12.4238%1,536
Retained earnings to average equity (ytd only)7.3300%2,086
Net charge-offs to loans0.3439%2,710
Credit loss provision to net charge-offs84.8896%4,107
Earnings coverage of net charge-offs (x)2.6783%3,418
Efficiency ratio77.9182%3,177
Assets per employee ($millions)4.5179%2,691
Cash dividends to net income (ytd only)*41.0004%2,041
Condition Ratios (%)
Loss allowance to loans0.8500%6,968
Loan loss allowance to noncurrent loans63.7021%4,387
Noncurrent assets plus other real estate owned to assets1.8427%3,156
Noncurrent loans to loans1.3343%4,315
Net loans and leases to total assets88.8019%208
Net loans and leases to deposits154.7125%57
Net loans and leases to core deposits174.6526%289
Total domestic deposits to total assets57.3980%8,018
Equity capital to assets10.3900%3,569
Core capital (leverage) ratio9.8704%3,561
Tier 1 risk-based capital ratio10.7000%6,186
Total risk-based capital ratio11.5301%6,538
Memoranda:
Average total assets$1,515,415,000479
Average earning assets$1,439,018,000464
Average equity$157,053,500453
Average total loans$1,370,192,500388
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4817%3,052
Cost of funding earning assets3.6074%380
Net interest margin2.8743%7,203
Noninterest income to average assets0.3695%5,745
Noninterest expense to average assets2.6042%5,634
Loan and lease loss provision to assets0.4782%2,912
Net operating income to assets0.0135%6,331
Return on assets (ROA)0.7935%3,305
Pretax return on assets1.2432%2,504
Return on Equity (ROE)7.8005%3,150
Retained earnings to average equity (ytd only)1.3169%4,425
Net charge-offs to loans0.1781%4,415
Credit loss provision to net charge-offs296.5235%1,527
Earnings coverage of net charge-offs (x)3.1170%4,532
Efficiency ratio83.6079%2,104
Assets per employee ($millions)4.6413%2,416
Cash dividends to net income (ytd only)*83.1172%1,567
Condition Ratios (%)
Loss allowance to loans0.8625%6,838
Loan loss allowance to noncurrent loans77.4008%4,228
Noncurrent assets plus other real estate owned to assets1.6360%2,974
Noncurrent loans to loans1.1144%4,320
Net loans and leases to total assets90.4966%163
Net loans and leases to deposits161.6035%60
Net loans and leases to core deposits182.6583%262
Total domestic deposits to total assets55.9992%8,056
Equity capital to assets10.3371%3,678
Core capital (leverage) ratio9.8132%3,633
Tier 1 risk-based capital ratio11.3196%5,418
Total risk-based capital ratio12.2330%5,643
Memoranda:
Average total assets$1,516,036,600462
Average earning assets$1,443,840,800442
Average equity$154,221,600457
Average total loans$1,373,089,000381