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Pioneer Trust Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4816%2,712
Cost of funding earning assets0.0716%4,584
Net interest margin3.4100%1,996
Noninterest income to average assets1.1784%764
Noninterest expense to average assets1.3950%4,628
Loan and lease loss provision to assets0.1266%969
Net operating income to assets2.1719%256
Return on assets (ROA)2.1702%270
Pretax return on assets3.0165%145
Return on Equity (ROE)19.6847%328
Retained earnings to average equity (ytd only)8.7140%1,278
Net charge-offs to loans-0.0206%3,995
Credit loss provision to net charge-offs-1,058.8235%3,928
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio30.7261%4,788
Assets per employee ($millions)10.5002%581
Cash dividends to net income (ytd only)*55.7320%1,251
Condition Ratios (%)
Loss allowance to loans1.9099%713
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,222
Noncurrent loans to loans0.0000%4,145
Net loans and leases to total assets54.1968%2,825
Net loans and leases to deposits60.8499%3,000
Net loans and leases to core deposits61.2459%3,223
Total domestic deposits to total assets89.0664%1,477
Equity capital to assets10.8914%1,866
Core capital (leverage) ratio10.9364%1,603
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.4825%1,168
Memoranda:
Average total assets$711,032,0001,273
Average earning assets$700,969,8001,221
Average equity$78,391,0001,227
Average total loans$412,678,8001,341
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3531%3,236
Cost of funding earning assets0.0722%4,679
Net interest margin3.2808%2,473
Noninterest income to average assets1.1725%834
Noninterest expense to average assets1.4610%4,635
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets2.1460%356
Return on assets (ROA)2.1457%375
Pretax return on assets2.9435%186
Return on Equity (ROE)19.3998%470
Retained earnings to average equity (ytd only)8.3304%1,938
Net charge-offs to loans-0.0203%3,974
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.1681%4,845
Assets per employee ($millions)10.8547%495
Cash dividends to net income (ytd only)*57.0594%933
Condition Ratios (%)
Loss allowance to loans1.7591%1,001
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,311
Noncurrent loans to loans0.0000%4,237
Net loans and leases to total assets51.7864%3,212
Net loans and leases to deposits58.0918%3,401
Net loans and leases to core deposits58.4700%3,588
Total domestic deposits to total assets89.1458%1,200
Equity capital to assets10.6545%2,314
Core capital (leverage) ratio10.9472%1,703
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.0616%945
Memoranda:
Average total assets$702,411,2501,304
Average earning assets$692,048,2501,246
Average equity$77,689,5001,253
Average total loans$412,870,5001,370
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3301%3,360
Cost of funding earning assets0.0739%4,723
Net interest margin3.2562%2,593
Noninterest income to average assets1.1982%803
Noninterest expense to average assets1.4951%4,627
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets2.1202%389
Return on assets (ROA)2.1200%410
Pretax return on assets2.9111%210
Return on Equity (ROE)18.9151%551
Retained earnings to average equity (ytd only)7.7443%2,174
Net charge-offs to loans-0.0201%3,997
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.9302%4,874
Assets per employee ($millions)10.3745%549
Cash dividends to net income (ytd only)*59.0578%954
Condition Ratios (%)
Loss allowance to loans1.6626%1,140
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,353
Noncurrent loans to loans0.0000%4,280
Net loans and leases to total assets58.0523%2,662
Net loans and leases to deposits65.4362%2,871
Net loans and leases to core deposits65.9623%3,116
Total domestic deposits to total assets88.7158%1,439
Equity capital to assets11.0938%1,916
Core capital (leverage) ratio10.9329%1,643
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.8776%829
Memoranda:
Average total assets$686,889,6671,315
Average earning assets$676,800,6671,264
Average equity$76,986,0001,253
Average total loans$418,889,6671,357
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3412%3,364
Cost of funding earning assets0.0755%4,773
Net interest margin3.2658%2,492
Noninterest income to average assets1.1564%913
Noninterest expense to average assets1.5053%4,644
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets2.0831%507
Return on assets (ROA)2.0826%545
Pretax return on assets2.8689%276
Return on Equity (ROE)18.4839%669
Retained earnings to average equity (ytd only)7.2196%2,500
Net charge-offs to loans-0.0200%4,000
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio34.4083%4,868
Assets per employee ($millions)10.3414%537
Cash dividends to net income (ytd only)*60.9410%874
Condition Ratios (%)
Loss allowance to loans1.5948%1,311
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,422
Noncurrent loans to loans0.0000%4,341
Net loans and leases to total assets60.5701%2,469
Net loans and leases to deposits68.2573%2,673
Net loans and leases to core deposits68.8660%2,982
Total domestic deposits to total assets88.7379%1,476
Equity capital to assets10.9270%1,920
Core capital (leverage) ratio11.2432%1,553
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.3506%748
Memoranda:
Average total assets$677,601,5001,322
Average earning assets$667,775,5001,264
Average equity$76,347,5001,259
Average total loans$420,103,0001,360
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0706%2,511
Cost of funding earning assets0.1631%4,694
Net interest margin3.9075%1,194
Noninterest income to average assets1.2126%763
Noninterest expense to average assets1.6586%4,655
Loan and lease loss provision to assets0.1502%2,496
Net operating income to assets2.3284%165
Return on assets (ROA)2.3396%176
Pretax return on assets3.2527%106
Return on Equity (ROE)19.3697%262
Retained earnings to average equity (ytd only)8.8523%807
Net charge-offs to loans-0.0081%4,216
Credit loss provision to net charge-offs-2,812.5000%4,247
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.8604%4,946
Assets per employee ($millions)9.4491%636
Cash dividends to net income (ytd only)*54.2984%1,621
Condition Ratios (%)
Loss allowance to loans1.6894%1,067
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,492
Noncurrent loans to loans0.0000%4,420
Net loans and leases to total assets61.4249%2,673
Net loans and leases to deposits69.6199%2,925
Net loans and leases to core deposits70.2437%3,241
Total domestic deposits to total assets88.2289%1,360
Equity capital to assets11.6344%1,782
Core capital (leverage) ratio11.5024%1,469
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.5949%704
Memoranda:
Average total assets$599,126,6001,331
Average earning assets$587,968,2001,284
Average equity$72,365,6001,263
Average total loans$394,825,2001,376
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9970%2,983
Cost of funding earning assets0.1917%4,699
Net interest margin3.8053%1,603
Noninterest income to average assets1.1938%748
Noninterest expense to average assets1.7716%4,540
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets2.2762%183
Return on assets (ROA)2.2915%191
Pretax return on assets3.1726%109
Return on Equity (ROE)18.7799%306
Retained earnings to average equity (ytd only)7.8737%1,345
Net charge-offs to loans-0.0061%4,102
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.9717%4,952
Assets per employee ($millions)9.4016%618
Cash dividends to net income (ytd only)*58.0735%1,190
Condition Ratios (%)
Loss allowance to loans1.3910%1,771
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,543
Noncurrent loans to loans0.0000%4,475
Net loans and leases to total assets67.1656%2,366
Net loans and leases to deposits76.6779%2,688
Net loans and leases to core deposits77.3541%3,065
Total domestic deposits to total assets87.5945%1,399
Equity capital to assets11.7331%1,855
Core capital (leverage) ratio11.5480%1,550
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.3563%748
Memoranda:
Average total assets$585,911,2501,337
Average earning assets$574,483,5001,286
Average equity$71,493,2501,258
Average total loans$391,690,2501,375
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1952%2,781
Cost of funding earning assets0.2449%4,637
Net interest margin3.9502%1,446
Noninterest income to average assets1.2156%678
Noninterest expense to average assets1.8675%4,464
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets2.3273%182
Return on assets (ROA)2.3079%206
Pretax return on assets3.1969%96
Return on Equity (ROE)18.6508%325
Retained earnings to average equity (ytd only)7.0931%1,621
Net charge-offs to loans0.0000%3,033
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.6976%4,973
Assets per employee ($millions)9.4569%595
Cash dividends to net income (ytd only)*61.9691%1,184
Condition Ratios (%)
Loss allowance to loans1.3845%1,639
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,603
Noncurrent loans to loans0.0000%4,537
Net loans and leases to total assets66.8865%2,512
Net loans and leases to deposits76.0691%2,853
Net loans and leases to core deposits76.7327%3,229
Total domestic deposits to total assets87.9286%1,219
Equity capital to assets11.4460%2,006
Core capital (leverage) ratio11.5397%1,641
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.6338%822
Memoranda:
Average total assets$571,247,0001,347
Average earning assets$560,119,6671,298
Average equity$70,688,6671,257
Average total loans$379,238,0001,397
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3804%2,685
Cost of funding earning assets0.3763%4,441
Net interest margin4.0041%1,383
Noninterest income to average assets1.2739%540
Noninterest expense to average assets1.8087%4,657
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets2.4219%124
Return on assets (ROA)2.4271%131
Pretax return on assets3.3966%62
Return on Equity (ROE)18.7870%221
Retained earnings to average equity (ytd only)5.4750%2,077
Net charge-offs to loans-0.0949%4,804
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio34.7913%5,038
Assets per employee ($millions)7.8398%786
Cash dividends to net income (ytd only)*70.8575%1,178
Condition Ratios (%)
Loss allowance to loans1.6980%886
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,662
Noncurrent loans to loans0.0000%4,593
Net loans and leases to total assets64.5756%2,992
Net loans and leases to deposits74.6985%3,199
Net loans and leases to core deposits75.3524%3,543
Total domestic deposits to total assets86.4483%1,808
Equity capital to assets13.0768%1,388
Core capital (leverage) ratio12.9821%1,214
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.8551%1,002
Memoranda:
Average total assets$540,064,5001,377
Average earning assets$529,358,5001,314
Average equity$69,771,5001,260
Average total loans$353,981,5001,439
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7810%2,101
Cost of funding earning assets0.5798%3,721
Net interest margin4.2011%1,322
Noninterest income to average assets1.4109%478
Noninterest expense to average assets1.7701%4,801
Loan and lease loss provision to assets0.1741%1,199
Net operating income to assets2.5802%121
Return on assets (ROA)2.5969%125
Pretax return on assets3.5993%76
Return on Equity (ROE)20.3900%195
Retained earnings to average equity (ytd only)7.3253%1,243
Net charge-offs to loans-0.0124%4,528
Credit loss provision to net charge-offs-2,045.4545%4,603
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio32.0534%5,128
Assets per employee ($millions)7.9291%735
Cash dividends to net income (ytd only)*64.0739%1,376
Condition Ratios (%)
Loss allowance to loans1.6874%825
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,701
Noncurrent loans to loans0.0000%4,619
Net loans and leases to total assets64.2936%3,159
Net loans and leases to deposits73.8327%3,370
Net loans and leases to core deposits74.5216%3,678
Total domestic deposits to total assets87.0800%1,565
Equity capital to assets12.7609%1,670
Core capital (leverage) ratio12.5468%1,462
Tier 1 risk-based capital ratio17.4621%1,905
Total risk-based capital ratio18.7157%1,858
Memoranda:
Average total assets$516,849,8001,385
Average earning assets$505,839,2001,318
Average equity$65,826,4001,282
Average total loans$355,237,8001,396
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7781%2,187
Cost of funding earning assets0.6251%3,556
Net interest margin4.1530%1,493
Noninterest income to average assets1.4768%415
Noninterest expense to average assets2.0080%4,533
Loan and lease loss provision to assets0.0391%3,120
Net operating income to assets2.5360%153
Return on assets (ROA)2.5327%163
Pretax return on assets3.4869%81
Return on Equity (ROE)19.8965%255
Retained earnings to average equity (ytd only)6.6827%2,020
Net charge-offs to loans-0.0116%4,425
Credit loss provision to net charge-offs-483.8710%4,321
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.2575%5,173
Assets per employee ($millions)8.1255%665
Cash dividends to net income (ytd only)*66.4127%1,061
Condition Ratios (%)
Loss allowance to loans1.4610%1,357
Loan loss allowance to noncurrent loans328.9157%1,397
Noncurrent assets plus other real estate owned to assets0.2941%3,372
Noncurrent loans to loans0.4442%2,980
Net loans and leases to total assets65.2353%3,153
Net loans and leases to deposits74.9471%3,391
Net loans and leases to core deposits75.8021%3,713
Total domestic deposits to total assets87.0418%1,492
Equity capital to assets12.5527%1,873
Core capital (leverage) ratio12.7551%1,458
Tier 1 risk-based capital ratio16.7955%2,149
Total risk-based capital ratio18.0462%2,101
Memoranda:
Average total assets$511,267,2501,403
Average earning assets$499,991,5001,335
Average equity$65,082,0001,294
Average total loans$355,895,2501,402
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7932%2,080
Cost of funding earning assets0.6622%3,344
Net interest margin4.1310%1,521
Noninterest income to average assets1.5231%391
Noninterest expense to average assets2.0707%4,465
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets2.5423%146
Return on assets (ROA)2.5375%152
Pretax return on assets3.4824%87
Return on Equity (ROE)19.8363%267
Retained earnings to average equity (ytd only)6.4691%2,069
Net charge-offs to loans-0.0112%4,357
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.2487%5,198
Assets per employee ($millions)7.4651%831
Cash dividends to net income (ytd only)*67.3876%1,183
Condition Ratios (%)
Loss allowance to loans1.4341%1,474
Loan loss allowance to noncurrent loans289.0167%1,622
Noncurrent assets plus other real estate owned to assets0.3426%3,165
Noncurrent loans to loans0.4962%2,794
Net loans and leases to total assets68.0478%2,806
Net loans and leases to deposits78.5184%3,106
Net loans and leases to core deposits79.4653%3,464
Total domestic deposits to total assets86.6647%1,738
Equity capital to assets13.0033%1,586
Core capital (leverage) ratio12.9059%1,350
Tier 1 risk-based capital ratio16.7838%2,148
Total risk-based capital ratio18.0344%2,090
Memoranda:
Average total assets$502,928,0001,423
Average earning assets$491,361,0001,356
Average equity$64,336,6701,302
Average total loans$356,182,3301,413
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7672%2,000
Cost of funding earning assets0.6608%3,257
Net interest margin4.1063%1,532
Noninterest income to average assets1.4895%397
Noninterest expense to average assets1.9969%4,646
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets2.5491%148
Return on assets (ROA)2.5403%158
Pretax return on assets3.4983%87
Return on Equity (ROE)20.0249%263
Retained earnings to average equity (ytd only)6.4818%2,251
Net charge-offs to loans-0.0134%4,341
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.2647%5,263
Assets per employee ($millions)7.5726%791
Cash dividends to net income (ytd only)*67.6313%1,167
Condition Ratios (%)
Loss allowance to loans1.4361%1,547
Loan loss allowance to noncurrent loans289.5557%1,622
Noncurrent assets plus other real estate owned to assets0.3467%3,221
Noncurrent loans to loans0.4960%2,828
Net loans and leases to total assets68.9088%2,636
Net loans and leases to deposits79.4886%2,892
Net loans and leases to core deposits80.6532%3,306
Total domestic deposits to total assets86.6901%1,965
Equity capital to assets12.8609%1,536
Core capital (leverage) ratio12.9313%1,307
Tier 1 risk-based capital ratio16.5373%2,252
Total risk-based capital ratio17.7880%2,202
Memoranda:
Average total assets$500,580,0001,434
Average earning assets$489,682,0001,367
Average equity$63,501,0001,307
Average total loans$359,047,0001,407
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6725%1,922
Cost of funding earning assets0.5377%3,130
Net interest margin4.1348%1,573
Noninterest income to average assets1.5652%384
Noninterest expense to average assets1.8941%4,902
Loan and lease loss provision to assets0.3015%535
Net operating income to assets2.5004%150
Return on assets (ROA)2.4920%150
Pretax return on assets3.3863%72
Return on Equity (ROE)20.6484%222
Retained earnings to average equity (ytd only)8.6190%1,007
Net charge-offs to loans0.4689%390
Credit loss provision to net charge-offs88.0799%2,748
Earnings coverage of net charge-offs (x)10.8062%2,685
Efficiency ratio33.8688%5,341
Assets per employee ($millions)7.4831%800
Cash dividends to net income (ytd only)*58.2581%1,580
Condition Ratios (%)
Loss allowance to loans1.3578%1,801
Loan loss allowance to noncurrent loans322.9677%1,553
Noncurrent assets plus other real estate owned to assets0.3092%3,326
Noncurrent loans to loans0.4204%3,032
Net loans and leases to total assets72.5354%2,171
Net loans and leases to deposits83.0279%2,622
Net loans and leases to core deposits84.1497%3,077
Total domestic deposits to total assets87.3627%1,602
Equity capital to assets12.5106%1,574
Core capital (leverage) ratio12.4914%1,457
Tier 1 risk-based capital ratio15.6821%2,543
Total risk-based capital ratio16.9315%2,468
Memoranda:
Average total assets$497,588,0001,413
Average earning assets$484,668,8001,352
Average equity$60,053,2001,322
Average total loans$363,197,0001,357
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6341%1,888
Cost of funding earning assets0.4931%3,241
Net interest margin4.1410%1,517
Noninterest income to average assets1.5901%385
Noninterest expense to average assets1.9536%4,820
Loan and lease loss provision to assets0.0940%2,098
Net operating income to assets2.5814%139
Return on assets (ROA)2.5719%140
Pretax return on assets3.5614%72
Return on Equity (ROE)21.5086%189
Retained earnings to average equity (ytd only)9.3444%1,097
Net charge-offs to loans-0.0136%4,483
Credit loss provision to net charge-offs-945.9459%4,623
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio34.7550%5,399
Assets per employee ($millions)7.4441%795
Cash dividends to net income (ytd only)*56.5553%1,351
Condition Ratios (%)
Loss allowance to loans1.4717%1,449
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,046
Noncurrent loans to loans0.0000%4,954
Net loans and leases to total assets74.0097%1,979
Net loans and leases to deposits84.5394%2,537
Net loans and leases to core deposits85.6182%3,035
Total domestic deposits to total assets87.5447%1,465
Equity capital to assets12.1021%1,837
Core capital (leverage) ratio12.3128%1,607
Tier 1 risk-based capital ratio15.2408%2,765
Total risk-based capital ratio16.4923%2,689
Memoranda:
Average total assets$496,643,5001,421
Average earning assets$483,444,2501,363
Average equity$59,385,5001,335
Average total loans$361,827,7501,355
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5310%1,997
Cost of funding earning assets0.4377%3,437
Net interest margin4.0933%1,583
Noninterest income to average assets1.5860%394
Noninterest expense to average assets1.9296%4,922
Loan and lease loss provision to assets0.0811%2,288
Net operating income to assets2.5711%137
Return on assets (ROA)2.5660%137
Pretax return on assets3.5521%71
Return on Equity (ROE)21.5486%183
Retained earnings to average equity (ytd only)9.2545%1,139
Net charge-offs to loans-0.0129%4,403
Credit loss provision to net charge-offs-869.5652%4,477
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio34.6481%5,463
Assets per employee ($millions)7.5231%756
Cash dividends to net income (ytd only)*57.0526%1,430
Condition Ratios (%)
Loss allowance to loans1.4671%1,495
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,076
Noncurrent loans to loans0.0000%4,980
Net loans and leases to total assets73.4773%2,039
Net loans and leases to deposits83.8347%2,553
Net loans and leases to core deposits84.7630%3,024
Total domestic deposits to total assets87.6455%1,566
Equity capital to assets12.0478%1,826
Core capital (leverage) ratio12.3495%1,517
Tier 1 risk-based capital ratio14.8949%2,925
Total risk-based capital ratio16.1460%2,843
Memoranda:
Average total assets$493,457,6701,433
Average earning assets$480,203,6701,375
Average equity$58,760,3301,351
Average total loans$355,692,3301,377
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3834%2,251
Cost of funding earning assets0.3608%3,907
Net interest margin4.0226%1,649
Noninterest income to average assets1.6189%378
Noninterest expense to average assets1.8816%5,050
Loan and lease loss provision to assets0.0813%2,164
Net operating income to assets2.5744%129
Return on assets (ROA)2.5654%132
Pretax return on assets3.5615%72
Return on Equity (ROE)21.6725%170
Retained earnings to average equity (ytd only)9.2666%1,376
Net charge-offs to loans-0.0080%4,171
Credit loss provision to net charge-offs-1,428.5714%4,223
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio33.9894%5,535
Assets per employee ($millions)7.2976%848
Cash dividends to net income (ytd only)*57.2425%1,326
Condition Ratios (%)
Loss allowance to loans1.5207%1,390
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,153
Noncurrent loans to loans0.0000%5,035
Net loans and leases to total assets70.4098%2,405
Net loans and leases to deposits80.4024%2,765
Net loans and leases to core deposits81.2050%3,221
Total domestic deposits to total assets87.5717%1,863
Equity capital to assets11.9916%1,794
Core capital (leverage) ratio12.3820%1,439
Tier 1 risk-based capital ratio15.3819%2,702
Total risk-based capital ratio16.6334%2,642
Memoranda:
Average total assets$491,925,5001,442
Average earning assets$478,991,0001,389
Average equity$58,230,5001,369
Average total loans$348,407,0001,404
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2495%2,497
Cost of funding earning assets0.2199%4,792
Net interest margin4.0296%1,659
Noninterest income to average assets1.7369%366
Noninterest expense to average assets1.8231%5,226
Loan and lease loss provision to assets0.1054%2,127
Net operating income to assets2.2385%184
Return on assets (ROA)2.2373%183
Pretax return on assets3.7404%69
Return on Equity (ROE)19.3759%222
Retained earnings to average equity (ytd only)11.5225%208
Net charge-offs to loans0.0642%2,557
Credit loss provision to net charge-offs239.2344%1,162
Earnings coverage of net charge-offs (x)87.2967%716
Efficiency ratio32.1495%5,619
Assets per employee ($millions)7.3867%817
Cash dividends to net income (ytd only)*40.5316%2,838
Condition Ratios (%)
Loss allowance to loans1.5001%1,411
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%5,206
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets69.1089%2,663
Net loans and leases to deposits78.4150%3,073
Net loans and leases to core deposits79.1015%3,497
Total domestic deposits to total assets88.1322%1,417
Equity capital to assets11.6848%2,047
Core capital (leverage) ratio11.9446%1,633
Tier 1 risk-based capital ratio15.0538%2,830
Total risk-based capital ratio16.3051%2,756
Memoranda:
Average total assets$474,180,2001,469
Average earning assets$462,926,8001,406
Average equity$54,753,6001,412
Average total loans$325,792,8001,460
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2195%2,543
Cost of funding earning assets0.1898%5,055
Net interest margin4.0297%1,603
Noninterest income to average assets1.6216%421
Noninterest expense to average assets1.9781%4,999
Loan and lease loss provision to assets0.0284%3,563
Net operating income to assets2.1529%237
Return on assets (ROA)2.1515%241
Pretax return on assets3.5485%81
Return on Equity (ROE)18.6912%293
Retained earnings to average equity (ytd only)10.7262%455
Net charge-offs to loans-0.0100%4,637
Credit loss provision to net charge-offs-416.6667%4,767
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.5944%5,646
Assets per employee ($millions)7.5088%765
Cash dividends to net income (ytd only)*42.6136%2,152
Condition Ratios (%)
Loss allowance to loans1.5379%1,398
Loan loss allowance to noncurrent loans1,002.3857%599
Noncurrent assets plus other real estate owned to assets0.1031%4,724
Noncurrent loans to loans0.1534%4,446
Net loans and leases to total assets66.1385%3,085
Net loans and leases to deposits75.0246%3,467
Net loans and leases to core deposits75.5164%3,839
Total domestic deposits to total assets88.1557%1,279
Equity capital to assets11.5186%2,344
Core capital (leverage) ratio11.9438%1,726
Tier 1 risk-based capital ratio15.1190%2,874
Total risk-based capital ratio16.3705%2,795
Memoranda:
Average total assets$468,998,0001,494
Average earning assets$458,052,2501,429
Average equity$53,984,7501,437
Average total loans$320,432,2501,490
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1497%2,669
Cost of funding earning assets0.1648%5,244
Net interest margin3.9849%1,656
Noninterest income to average assets1.6561%415
Noninterest expense to average assets2.0279%4,915
Loan and lease loss provision to assets0.0432%3,132
Net operating income to assets2.1064%255
Return on assets (ROA)2.1006%263
Pretax return on assets3.4748%92
Return on Equity (ROE)18.2532%313
Retained earnings to average equity (ytd only)10.1766%549
Net charge-offs to loans-0.0107%4,560
Credit loss provision to net charge-offs-588.2353%4,709
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.5058%5,688
Assets per employee ($millions)7.0336%916
Cash dividends to net income (ytd only)*44.2478%2,127
Condition Ratios (%)
Loss allowance to loans1.5301%1,479
Loan loss allowance to noncurrent loans1,044.6058%566
Noncurrent assets plus other real estate owned to assets0.1054%4,777
Noncurrent loans to loans0.1465%4,528
Net loans and leases to total assets70.8725%2,395
Net loans and leases to deposits80.7798%2,832
Net loans and leases to core deposits81.6326%3,285
Total domestic deposits to total assets87.7354%1,600
Equity capital to assets11.9599%1,958
Core capital (leverage) ratio11.7993%1,766
Tier 1 risk-based capital ratio14.7937%3,016
Total risk-based capital ratio16.0453%2,946
Memoranda:
Average total assets$462,639,6701,513
Average earning assets$452,659,0001,443
Average equity$53,240,0001,455
Average total loans$317,961,0001,494
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0348%2,916
Cost of funding earning assets0.1605%5,297
Net interest margin3.8743%1,876
Noninterest income to average assets1.6030%431
Noninterest expense to average assets2.0319%4,973
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets2.0531%279
Return on assets (ROA)2.0448%291
Pretax return on assets3.3548%106
Return on Equity (ROE)18.1186%333
Retained earnings to average equity (ytd only)9.9314%821
Net charge-offs to loans-0.0102%4,438
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.6313%5,729
Assets per employee ($millions)7.1364%887
Cash dividends to net income (ytd only)*45.1871%1,840
Condition Ratios (%)
Loss allowance to loans1.5767%1,435
Loan loss allowance to noncurrent loans983.2335%611
Noncurrent assets plus other real estate owned to assets0.1080%4,836
Noncurrent loans to loans0.1604%4,543
Net loans and leases to total assets66.2900%2,933
Net loans and leases to deposits75.3308%3,268
Net loans and leases to core deposits76.4020%3,619
Total domestic deposits to total assets87.9985%1,714
Equity capital to assets11.4569%2,209
Core capital (leverage) ratio11.6241%1,864
Tier 1 risk-based capital ratio15.2202%2,861
Total risk-based capital ratio16.4722%2,801
Memoranda:
Average total assets$465,366,0001,513
Average earning assets$456,031,0001,441
Average equity$52,520,5001,471
Average total loans$312,414,0001,519
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0064%3,175
Cost of funding earning assets0.1601%5,355
Net interest margin3.8463%2,151
Noninterest income to average assets1.6398%448
Noninterest expense to average assets1.8509%5,424
Loan and lease loss provision to assets0.2291%944
Net operating income to assets1.9762%335
Return on assets (ROA)1.9784%351
Pretax return on assets3.3258%89
Return on Equity (ROE)17.5009%363
Retained earnings to average equity (ytd only)9.8688%426
Net charge-offs to loans0.1513%1,746
Credit loss provision to net charge-offs225.3363%1,272
Earnings coverage of net charge-offs (x)34.9260%1,302
Efficiency ratio34.2604%5,846
Assets per employee ($millions)7.0737%891
Cash dividends to net income (ytd only)*43.6095%2,675
Condition Ratios (%)
Loss allowance to loans1.5742%1,434
Loan loss allowance to noncurrent loans1,085.6512%568
Noncurrent assets plus other real estate owned to assets0.0970%4,936
Noncurrent loans to loans0.1450%4,653
Net loans and leases to total assets65.8620%3,092
Net loans and leases to deposits74.2960%3,481
Net loans and leases to core deposits75.3768%3,807
Total domestic deposits to total assets88.6481%1,296
Equity capital to assets11.1159%2,522
Core capital (leverage) ratio11.2279%2,138
Tier 1 risk-based capital ratio14.8123%3,043
Total risk-based capital ratio16.0644%2,990
Memoranda:
Average total assets$438,596,6001,547
Average earning assets$429,065,8001,477
Average equity$49,580,4001,530
Average total loans$294,869,0001,543
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0087%3,204
Cost of funding earning assets0.1593%5,421
Net interest margin3.8494%2,161
Noninterest income to average assets1.6490%450
Noninterest expense to average assets1.9583%5,283
Loan and lease loss provision to assets0.1097%2,099
Net operating income to assets1.9673%357
Return on assets (ROA)1.9691%373
Pretax return on assets3.3471%98
Return on Equity (ROE)17.3405%414
Retained earnings to average equity (ytd only)9.6185%658
Net charge-offs to loans-0.1180%5,631
Credit loss provision to net charge-offs-138.1323%4,797
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.1820%5,888
Assets per employee ($millions)7.0632%868
Cash dividends to net income (ytd only)*44.5317%2,152
Condition Ratios (%)
Loss allowance to loans1.6512%1,324
Loan loss allowance to noncurrent loans5,345.1613%139
Noncurrent assets plus other real estate owned to assets0.0206%5,435
Noncurrent loans to loans0.0309%5,259
Net loans and leases to total assets65.4981%3,205
Net loans and leases to deposits74.1465%3,581
Net loans and leases to core deposits75.0120%3,920
Total domestic deposits to total assets88.3359%1,221
Equity capital to assets11.2486%2,747
Core capital (leverage) ratio11.2608%2,220
Tier 1 risk-based capital ratio14.8687%3,116
Total risk-based capital ratio16.1215%3,043
Memoranda:
Average total assets$431,529,7501,569
Average earning assets$421,870,0001,494
Average equity$49,001,5001,553
Average total loans$290,485,2501,565
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9793%3,311
Cost of funding earning assets0.1581%5,493
Net interest margin3.8212%2,236
Noninterest income to average assets1.6817%441
Noninterest expense to average assets1.9892%5,294
Loan and lease loss provision to assets0.0848%2,449
Net operating income to assets1.9661%354
Return on assets (ROA)1.9694%367
Pretax return on assets3.3469%99
Return on Equity (ROE)17.2861%412
Retained earnings to average equity (ytd only)9.4656%729
Net charge-offs to loans-0.1526%5,745
Credit loss provision to net charge-offs-82.1918%4,587
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio36.7304%5,961
Assets per employee ($millions)6.8326%935
Cash dividends to net income (ytd only)*45.2415%2,183
Condition Ratios (%)
Loss allowance to loans1.6102%1,503
Loan loss allowance to noncurrent loans5,116.1290%154
Noncurrent assets plus other real estate owned to assets0.0216%5,511
Noncurrent loans to loans0.0315%5,337
Net loans and leases to total assets67.5399%2,859
Net loans and leases to deposits76.7034%3,304
Net loans and leases to core deposits77.7229%3,664
Total domestic deposits to total assets88.0533%1,408
Equity capital to assets11.5880%2,456
Core capital (leverage) ratio11.5614%1,946
Tier 1 risk-based capital ratio14.7020%3,202
Total risk-based capital ratio15.9544%3,152
Memoranda:
Average total assets$424,690,6701,599
Average earning assets$415,002,6701,518
Average equity$48,385,6701,571
Average total loans$286,962,6701,583
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9447%3,423
Cost of funding earning assets0.1582%5,549
Net interest margin3.7865%2,341
Noninterest income to average assets1.6586%436
Noninterest expense to average assets2.0227%5,284
Loan and lease loss provision to assets0.0759%2,435
Net operating income to assets1.9563%360
Return on assets (ROA)1.9544%381
Pretax return on assets3.2574%111
Return on Equity (ROE)17.3055%409
Retained earnings to average equity (ytd only)9.3623%1,011
Net charge-offs to loans-0.0141%4,687
Credit loss provision to net charge-offs-800.0000%4,695
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio37.7455%6,005
Assets per employee ($millions)6.6212%1,046
Cash dividends to net income (ytd only)*45.9000%1,887
Condition Ratios (%)
Loss allowance to loans1.5604%1,749
Loan loss allowance to noncurrent loans2,851.9231%235
Noncurrent assets plus other real estate owned to assets0.0368%5,484
Noncurrent loans to loans0.0547%5,269
Net loans and leases to total assets66.2346%2,913
Net loans and leases to deposits75.2345%3,303
Net loans and leases to core deposits76.3264%3,647
Total domestic deposits to total assets88.0375%1,620
Equity capital to assets11.4074%2,527
Core capital (leverage) ratio11.5721%1,927
Tier 1 risk-based capital ratio14.7300%3,269
Total risk-based capital ratio15.9814%3,216
Memoranda:
Average total assets$421,809,0001,608
Average earning assets$412,202,0001,530
Average equity$47,638,0001,585
Average total loans$282,701,0001,603
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9934%3,332
Cost of funding earning assets0.1606%5,610
Net interest margin3.8329%2,265
Noninterest income to average assets1.6716%468
Noninterest expense to average assets2.0305%5,396
Loan and lease loss provision to assets0.1451%1,630
Net operating income to assets1.9369%386
Return on assets (ROA)1.9366%396
Pretax return on assets3.2328%104
Return on Equity (ROE)16.5535%503
Retained earnings to average equity (ytd only)3.0809%3,866
Net charge-offs to loans0.0626%2,972
Credit loss provision to net charge-offs339.2857%885
Earnings coverage of net charge-offs (x)79.0000%711
Efficiency ratio37.5406%6,096
Assets per employee ($millions)6.7719%975
Cash dividends to net income (ytd only)*81.3880%844
Condition Ratios (%)
Loss allowance to loans1.5552%1,781
Loan loss allowance to noncurrent loans1,524.1259%415
Noncurrent assets plus other real estate owned to assets0.0681%5,358
Noncurrent loans to loans0.1020%5,092
Net loans and leases to total assets65.7171%3,025
Net loans and leases to deposits74.1407%3,475
Net loans and leases to core deposits75.9329%3,760
Total domestic deposits to total assets88.6383%1,315
Equity capital to assets11.1790%2,651
Core capital (leverage) ratio11.1842%2,232
Tier 1 risk-based capital ratio14.6432%3,356
Total risk-based capital ratio15.8946%3,284
Memoranda:
Average total assets$392,850,4001,675
Average earning assets$383,056,6001,592
Average equity$45,960,0001,606
Average total loans$268,186,4001,627
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9996%3,346
Cost of funding earning assets0.1597%5,709
Net interest margin3.8399%2,236
Noninterest income to average assets1.7059%455
Noninterest expense to average assets2.1096%5,255
Loan and lease loss provision to assets0.1278%1,771
Net operating income to assets1.9392%399
Return on assets (ROA)1.9376%414
Pretax return on assets3.2105%105
Return on Equity (ROE)16.3644%549
Retained earnings to average equity (ytd only)0.6883%5,418
Net charge-offs to loans0.1036%2,100
Credit loss provision to net charge-offs179.6117%1,471
Earnings coverage of net charge-offs (x)46.9611%1,104
Efficiency ratio38.7062%6,153
Assets per employee ($millions)6.4023%1,115
Cash dividends to net income (ytd only)*95.7940%438
Condition Ratios (%)
Loss allowance to loans1.5171%2,085
Loan loss allowance to noncurrent loans419.6538%1,200
Noncurrent assets plus other real estate owned to assets0.2435%4,787
Noncurrent loans to loans0.3615%4,320
Net loans and leases to total assets66.3248%2,963
Net loans and leases to deposits75.1281%3,414
Net loans and leases to core deposits76.3475%3,763
Total domestic deposits to total assets88.2822%1,407
Equity capital to assets11.3685%2,624
Core capital (leverage) ratio11.3654%2,140
Tier 1 risk-based capital ratio14.7497%3,413
Total risk-based capital ratio16.0008%3,363
Memoranda:
Average total assets$386,098,2501,716
Average earning assets$376,497,2501,626
Average equity$45,716,0001,620
Average total loans$265,163,5001,657
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0214%3,196
Cost of funding earning assets0.1581%5,793
Net interest margin3.8633%2,091
Noninterest income to average assets1.7221%458
Noninterest expense to average assets2.1081%5,323
Loan and lease loss provision to assets0.1946%1,023
Net operating income to assets1.9140%425
Return on assets (ROA)1.9130%444
Pretax return on assets3.1829%118
Return on Equity (ROE)15.9317%614
Retained earnings to average equity (ytd only)0.6788%5,290
Net charge-offs to loans0.1711%1,444
Credit loss provision to net charge-offs164.4444%1,440
Earnings coverage of net charge-offs (x)28.5600%1,412
Efficiency ratio38.4188%6,233
Assets per employee ($millions)6.1106%1,272
Cash dividends to net income (ytd only)*95.7394%589
Condition Ratios (%)
Loss allowance to loans1.5233%2,194
Loan loss allowance to noncurrent loans302.0619%1,611
Noncurrent assets plus other real estate owned to assets0.3528%4,478
Noncurrent loans to loans0.5043%3,948
Net loans and leases to total assets68.8851%2,502
Net loans and leases to deposits78.5112%2,970
Net loans and leases to core deposits79.9186%3,392
Total domestic deposits to total assets87.7392%1,774
Equity capital to assets11.9270%2,082
Core capital (leverage) ratio11.9930%1,666
Tier 1 risk-based capital ratio15.0560%3,328
Total risk-based capital ratio16.3075%3,264
Memoranda:
Average total assets$380,349,6701,745
Average earning assets$370,664,0001,661
Average equity$45,670,0001,632
Average total loans$263,005,3301,667
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0309%3,122
Cost of funding earning assets0.1573%5,863
Net interest margin3.8736%1,985
Noninterest income to average assets1.6750%454
Noninterest expense to average assets2.0770%5,436
Loan and lease loss provision to assets0.1905%987
Net operating income to assets1.8594%435
Return on assets (ROA)1.8580%464
Pretax return on assets3.1827%123
Return on Equity (ROE)15.4213%646
Retained earnings to average equity (ytd only)-1.5720%5,632
Net charge-offs to loans-0.0385%5,388
Credit loss provision to net charge-offs-720.0000%4,902
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio38.0943%6,305
Assets per employee ($millions)6.1800%1,268
Cash dividends to net income (ytd only)*110.1936%590
Condition Ratios (%)
Loss allowance to loans1.5646%2,174
Loan loss allowance to noncurrent loans269.5596%1,746
Noncurrent assets plus other real estate owned to assets0.4030%4,410
Noncurrent loans to loans0.5804%3,839
Net loans and leases to total assets68.3396%2,389
Net loans and leases to deposits78.0410%2,797
Net loans and leases to core deposits79.4302%3,229
Total domestic deposits to total assets87.5688%2,062
Equity capital to assets11.8594%2,141
Core capital (leverage) ratio12.2086%1,504
Tier 1 risk-based capital ratio15.1503%3,351
Total risk-based capital ratio16.4019%3,274
Memoranda:
Average total assets$378,041,0001,761
Average earning assets$368,650,0001,678
Average equity$45,547,5001,639
Average total loans$259,864,5001,686
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8541%4,300
Cost of funding earning assets0.1631%6,023
Net interest margin3.6910%3,040
Noninterest income to average assets1.7095%438
Noninterest expense to average assets2.0413%5,691
Loan and lease loss provision to assets0.1869%1,375
Net operating income to assets1.8525%425
Return on assets (ROA)1.8560%438
Pretax return on assets3.0736%105
Return on Equity (ROE)15.0985%765
Retained earnings to average equity (ytd only)2.3104%4,586
Net charge-offs to loans0.1802%2,226
Credit loss provision to net charge-offs163.4845%1,486
Earnings coverage of net charge-offs (x)28.4749%1,392
Efficiency ratio38.5412%6,417
Assets per employee ($millions)6.2154%1,238
Cash dividends to net income (ytd only)*84.6979%742
Condition Ratios (%)
Loss allowance to loans1.5596%2,230
Loan loss allowance to noncurrent loans177.7628%2,458
Noncurrent assets plus other real estate owned to assets0.6344%3,674
Noncurrent loans to loans0.8773%3,126
Net loans and leases to total assets66.9738%2,734
Net loans and leases to deposits76.4956%3,141
Net loans and leases to core deposits77.9882%3,520
Total domestic deposits to total assets87.5525%2,004
Equity capital to assets12.2424%1,828
Core capital (leverage) ratio11.9223%1,679
Tier 1 risk-based capital ratio16.4950%2,714
Total risk-based capital ratio17.7472%2,665
Memoranda:
Average total assets$366,536,8001,773
Average earning assets$356,190,6001,681
Average equity$45,057,4001,600
Average total loans$232,470,4001,807
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8181%4,479
Cost of funding earning assets0.1625%6,111
Net interest margin3.6556%3,204
Noninterest income to average assets1.6729%467
Noninterest expense to average assets2.1377%5,491
Loan and lease loss provision to assets0.1735%1,417
Net operating income to assets1.7691%538
Return on assets (ROA)1.7712%550
Pretax return on assets2.9155%126
Return on Equity (ROE)14.3935%914
Retained earnings to average equity (ytd only)2.3930%4,859
Net charge-offs to loans0.2424%1,589
Credit loss provision to net charge-offs115.0121%1,973
Earnings coverage of net charge-offs (x)20.4505%1,735
Efficiency ratio40.9247%6,437
Assets per employee ($millions)6.0935%1,270
Cash dividends to net income (ytd only)*83.3746%667
Condition Ratios (%)
Loss allowance to loans1.6036%2,293
Loan loss allowance to noncurrent loans164.1014%2,525
Noncurrent assets plus other real estate owned to assets0.6424%3,911
Noncurrent loans to loans0.9772%3,117
Net loans and leases to total assets60.9539%3,639
Net loans and leases to deposits69.5156%3,973
Net loans and leases to core deposits70.8512%4,256
Total domestic deposits to total assets87.6838%1,932
Equity capital to assets11.9602%2,088
Core capital (leverage) ratio11.9211%1,745
Tier 1 risk-based capital ratio17.6194%2,351
Total risk-based capital ratio18.8720%2,308
Memoranda:
Average total assets$364,939,7501,798
Average earning assets$354,445,2501,704
Average equity$44,908,0001,610
Average total loans$227,158,2501,857
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8506%4,333
Cost of funding earning assets0.1610%6,189
Net interest margin3.6896%3,003
Noninterest income to average assets1.6736%461
Noninterest expense to average assets2.1771%5,468
Loan and lease loss provision to assets0.2218%1,044
Net operating income to assets1.7338%542
Return on assets (ROA)1.7352%571
Pretax return on assets2.8609%133
Return on Equity (ROE)13.9639%961
Retained earnings to average equity (ytd only)3.2176%4,152
Net charge-offs to loans0.3095%1,308
Credit loss provision to net charge-offs114.9425%1,765
Earnings coverage of net charge-offs (x)15.9626%1,822
Efficiency ratio41.4091%6,496
Assets per employee ($millions)5.9299%1,325
Cash dividends to net income (ytd only)*76.9575%978
Condition Ratios (%)
Loss allowance to loans1.6261%2,372
Loan loss allowance to noncurrent loans178.1533%2,353
Noncurrent assets plus other real estate owned to assets0.6175%4,119
Noncurrent loans to loans0.9127%3,438
Net loans and leases to total assets60.6134%3,615
Net loans and leases to deposits69.2884%3,912
Net loans and leases to core deposits70.5460%4,214
Total domestic deposits to total assets87.4799%2,204
Equity capital to assets12.1641%1,875
Core capital (leverage) ratio12.6099%1,342
Tier 1 risk-based capital ratio17.7239%2,342
Total risk-based capital ratio18.9762%2,310
Memoranda:
Average total assets$360,655,0001,816
Average earning assets$350,338,3301,717
Average equity$44,815,6701,595
Average total loans$224,866,6701,865
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8613%4,239
Cost of funding earning assets0.1652%6,264
Net interest margin3.6962%2,878
Noninterest income to average assets1.7087%430
Noninterest expense to average assets2.1988%5,469
Loan and lease loss provision to assets0.3953%426
Net operating income to assets1.6714%595
Return on assets (ROA)1.6714%617
Pretax return on assets2.7036%180
Return on Equity (ROE)13.3028%1,080
Retained earnings to average equity (ytd only)0.1618%5,497
Net charge-offs to loans0.7164%492
Credit loss provision to net charge-offs87.9397%1,821
Earnings coverage of net charge-offs (x)6.8945%2,182
Efficiency ratio41.5050%6,561
Assets per employee ($millions)5.7145%1,526
Cash dividends to net income (ytd only)*98.7838%699
Condition Ratios (%)
Loss allowance to loans1.6320%2,571
Loan loss allowance to noncurrent loans204.5480%2,044
Noncurrent assets plus other real estate owned to assets0.5519%4,498
Noncurrent loans to loans0.7979%3,878
Net loans and leases to total assets60.9918%3,396
Net loans and leases to deposits69.9782%3,603
Net loans and leases to core deposits71.5798%3,913
Total domestic deposits to total assets87.1583%2,726
Equity capital to assets12.3292%1,670
Core capital (leverage) ratio12.8184%1,238
Tier 1 risk-based capital ratio18.1761%2,220
Total risk-based capital ratio19.4292%2,189
Memoranda:
Average total assets$354,190,5001,856
Average earning assets$343,922,5001,751
Average equity$44,502,0001,599
Average total loans$222,207,5001,884
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1142%3,681
Cost of funding earning assets0.1747%6,418
Net interest margin3.9394%2,140
Noninterest income to average assets1.7654%478
Noninterest expense to average assets2.2737%5,449
Loan and lease loss provision to assets0.2415%1,495
Net operating income to assets1.8877%408
Return on assets (ROA)1.8560%446
Pretax return on assets3.0157%121
Return on Equity (ROE)13.9840%952
Retained earnings to average equity (ytd only)1.6389%5,053
Net charge-offs to loans0.3839%1,757
Credit loss provision to net charge-offs100.2491%2,413
Earnings coverage of net charge-offs (x)13.7248%1,995
Efficiency ratio40.7441%6,680
Assets per employee ($millions)5.4432%1,702
Cash dividends to net income (ytd only)*88.2800%687
Condition Ratios (%)
Loss allowance to loans1.6687%2,502
Loan loss allowance to noncurrent loans230.1122%1,871
Noncurrent assets plus other real estate owned to assets0.4794%4,801
Noncurrent loans to loans0.7252%4,153
Net loans and leases to total assets62.4347%3,308
Net loans and leases to deposits71.7840%3,550
Net loans and leases to core deposits73.4566%3,899
Total domestic deposits to total assets86.9758%2,737
Equity capital to assets12.8075%1,364
Core capital (leverage) ratio12.8159%1,216
Tier 1 risk-based capital ratio18.4687%2,091
Total risk-based capital ratio19.7222%2,058
Memoranda:
Average total assets$333,289,6001,930
Average earning assets$322,760,8001,842
Average equity$44,236,2001,585
Average total loans$209,150,6001,934
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0609%3,892
Cost of funding earning assets0.1756%6,521
Net interest margin3.8853%2,328
Noninterest income to average assets1.7633%500
Noninterest expense to average assets2.3205%5,271
Loan and lease loss provision to assets0.1234%2,751
Net operating income to assets1.9203%422
Return on assets (ROA)1.9058%441
Pretax return on assets3.0561%131
Return on Equity (ROE)14.2268%944
Retained earnings to average equity (ytd only)2.6671%4,721
Net charge-offs to loans0.2723%2,191
Credit loss provision to net charge-offs72.4466%3,019
Earnings coverage of net charge-offs (x)18.7981%1,658
Efficiency ratio42.0177%6,711
Assets per employee ($millions)5.1609%1,977
Cash dividends to net income (ytd only)*81.2527%745
Condition Ratios (%)
Loss allowance to loans1.6954%2,636
Loan loss allowance to noncurrent loans135.3409%2,744
Noncurrent assets plus other real estate owned to assets0.8062%4,089
Noncurrent loans to loans1.2527%3,308
Net loans and leases to total assets60.8215%3,558
Net loans and leases to deposits70.2966%3,742
Net loans and leases to core deposits71.8967%4,108
Total domestic deposits to total assets86.5213%2,956
Equity capital to assets13.0821%1,301
Core capital (leverage) ratio13.0485%1,185
Tier 1 risk-based capital ratio19.1523%1,940
Total risk-based capital ratio20.4058%1,911
Memoranda:
Average total assets$329,520,2501,965
Average earning assets$318,836,5001,879
Average equity$44,141,0001,599
Average total loans$206,140,0001,965
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0567%3,896
Cost of funding earning assets0.1757%6,596
Net interest margin3.8811%2,268
Noninterest income to average assets1.8839%485
Noninterest expense to average assets2.3473%5,220
Loan and lease loss provision to assets0.1688%2,227
Net operating income to assets1.9177%411
Return on assets (ROA)1.9090%454
Pretax return on assets3.1109%138
Return on Equity (ROE)14.1359%980
Retained earnings to average equity (ytd only)0.0636%5,830
Net charge-offs to loans0.2346%2,315
Credit loss provision to net charge-offs114.5833%1,927
Earnings coverage of net charge-offs (x)22.3542%1,372
Efficiency ratio41.6150%6,765
Assets per employee ($millions)5.0334%2,074
Cash dividends to net income (ytd only)*99.5498%528
Condition Ratios (%)
Loss allowance to loans1.7875%2,474
Loan loss allowance to noncurrent loans130.6667%2,816
Noncurrent assets plus other real estate owned to assets1.1936%3,361
Noncurrent loans to loans1.3680%3,269
Net loans and leases to total assets62.5385%3,191
Net loans and leases to deposits72.5180%3,378
Net loans and leases to core deposits74.0409%3,807
Total domestic deposits to total assets86.2386%3,238
Equity capital to assets13.3928%1,185
Core capital (leverage) ratio13.4045%1,015
Tier 1 risk-based capital ratio18.7524%2,060
Total risk-based capital ratio20.0070%2,025
Memoranda:
Average total assets$325,821,0001,993
Average earning assets$315,377,3301,899
Average equity$44,001,3301,605
Average total loans$204,606,0001,977
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9855%4,180
Cost of funding earning assets0.1757%6,694
Net interest margin3.8098%2,408
Noninterest income to average assets1.8724%474
Noninterest expense to average assets2.3632%5,222
Loan and lease loss provision to assets0.0615%3,607
Net operating income to assets1.9007%406
Return on assets (ROA)1.9007%445
Pretax return on assets3.1297%143
Return on Equity (ROE)14.0157%958
Retained earnings to average equity (ytd only)-0.4173%5,861
Net charge-offs to loans-0.0178%5,666
Credit loss provision to net charge-offs-555.5556%5,503
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio42.5471%6,818
Assets per employee ($millions)5.0979%2,098
Cash dividends to net income (ytd only)*102.9773%621
Condition Ratios (%)
Loss allowance to loans1.8632%2,410
Loan loss allowance to noncurrent loans119.2871%2,895
Noncurrent assets plus other real estate owned to assets1.2666%3,448
Noncurrent loans to loans1.5619%3,203
Net loans and leases to total assets59.5764%3,504
Net loans and leases to deposits69.1600%3,617
Net loans and leases to core deposits70.3118%4,036
Total domestic deposits to total assets86.1429%3,454
Equity capital to assets13.2740%1,306
Core capital (leverage) ratio13.6763%883
Tier 1 risk-based capital ratio21.8060%1,371
Total risk-based capital ratio23.0641%1,340
Memoranda:
Average total assets$325,147,5002,021
Average earning assets$314,240,5001,935
Average equity$44,093,5001,622
Average total loans$202,744,0002,011
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2841%4,259
Cost of funding earning assets0.1826%6,868
Net interest margin4.1014%1,996
Noninterest income to average assets2.0372%422
Noninterest expense to average assets2.3838%5,456
Loan and lease loss provision to assets0.2438%2,705
Net operating income to assets2.0442%332
Return on assets (ROA)2.0442%360
Pretax return on assets3.3802%107
Return on Equity (ROE)14.5678%895
Retained earnings to average equity (ytd only)0.4637%5,622
Net charge-offs to loans0.3318%2,979
Credit loss provision to net charge-offs114.9701%2,521
Earnings coverage of net charge-offs (x)17.0913%1,529
Efficiency ratio39.6788%6,935
Assets per employee ($millions)4.9067%2,348
Cash dividends to net income (ytd only)*96.8168%544
Condition Ratios (%)
Loss allowance to loans1.8054%2,571
Loan loss allowance to noncurrent loans84.1661%3,794
Noncurrent assets plus other real estate owned to assets1.7220%2,813
Noncurrent loans to loans2.1451%2,529
Net loans and leases to total assets62.9089%3,076
Net loans and leases to deposits73.2445%3,219
Net loans and leases to core deposits74.5999%3,705
Total domestic deposits to total assets85.8889%3,407
Equity capital to assets13.8593%1,098
Core capital (leverage) ratio13.3815%991
Tier 1 risk-based capital ratio22.0023%1,259
Total risk-based capital ratio23.2599%1,232
Memoranda:
Average total assets$315,038,0002,037
Average earning assets$304,991,6001,941
Average equity$44,207,2001,581
Average total loans$201,331,2001,995
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2718%4,571
Cost of funding earning assets0.1803%6,988
Net interest margin4.0916%2,116
Noninterest income to average assets2.0535%405
Noninterest expense to average assets2.4287%5,312
Loan and lease loss provision to assets0.1380%3,822
Net operating income to assets2.0641%350
Return on assets (ROA)2.0641%394
Pretax return on assets3.4565%106
Return on Equity (ROE)14.6635%966
Retained earnings to average equity (ytd only)0.9168%5,803
Net charge-offs to loans0.0698%4,714
Credit loss provision to net charge-offs309.5238%867
Earnings coverage of net charge-offs (x)80.6361%512
Efficiency ratio40.3228%7,008
Assets per employee ($millions)4.9065%2,316
Cash dividends to net income (ytd only)*93.7475%404
Condition Ratios (%)
Loss allowance to loans1.8433%2,665
Loan loss allowance to noncurrent loans45.5895%5,368
Noncurrent assets plus other real estate owned to assets2.8382%1,853
Noncurrent loans to loans4.0433%1,260
Net loans and leases to total assets62.6348%3,271
Net loans and leases to deposits72.9113%3,463
Net loans and leases to core deposits74.3108%3,939
Total domestic deposits to total assets85.9055%3,305
Equity capital to assets13.6603%1,283
Core capital (leverage) ratio13.6572%957
Tier 1 risk-based capital ratio21.8896%1,349
Total risk-based capital ratio23.1478%1,325
Memoranda:
Average total assets$314,064,0002,069
Average earning assets$304,717,0001,960
Average equity$44,208,5001,591
Average total loans$200,582,2502,020
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3072%4,542
Cost of funding earning assets0.1805%7,064
Net interest margin4.1267%1,982
Noninterest income to average assets2.0411%392
Noninterest expense to average assets2.4472%5,301
Loan and lease loss provision to assets0.1930%3,159
Net operating income to assets2.0379%369
Return on assets (ROA)2.0379%413
Pretax return on assets3.4027%116
Return on Equity (ROE)14.3305%1,043
Retained earnings to average equity (ytd only)1.0996%5,633
Net charge-offs to loans0.2155%3,285
Credit loss provision to net charge-offs140.1869%1,965
Earnings coverage of net charge-offs (x)26.1121%1,179
Efficiency ratio40.4962%7,057
Assets per employee ($millions)4.8372%2,376
Cash dividends to net income (ytd only)*92.3271%553
Condition Ratios (%)
Loss allowance to loans1.8170%2,794
Loan loss allowance to noncurrent loans40.2651%5,643
Noncurrent assets plus other real estate owned to assets3.3236%1,624
Noncurrent loans to loans4.5127%1,173
Net loans and leases to total assets63.1567%3,206
Net loans and leases to deposits73.8711%3,316
Net loans and leases to core deposits75.1950%3,854
Total domestic deposits to total assets85.4959%3,611
Equity capital to assets14.0919%1,056
Core capital (leverage) ratio14.0738%786
Tier 1 risk-based capital ratio22.1597%1,258
Total risk-based capital ratio23.4176%1,237
Memoranda:
Average total assets$310,809,3302,086
Average earning assets$301,405,3301,971
Average equity$44,199,3301,580
Average total loans$198,563,6702,036
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1654%5,231
Cost of funding earning assets0.1789%7,136
Net interest margin3.9865%2,564
Noninterest income to average assets2.0090%404
Noninterest expense to average assets2.3844%5,526
Loan and lease loss provision to assets0.1942%3,001
Net operating income to assets1.9702%445
Return on assets (ROA)1.9702%512
Pretax return on assets3.2958%141
Return on Equity (ROE)13.7909%1,228
Retained earnings to average equity (ytd only)0.9333%5,696
Net charge-offs to loans0.2135%2,857
Credit loss provision to net charge-offs142.8571%1,723
Earnings coverage of net charge-offs (x)25.6762%1,023
Efficiency ratio40.5906%7,089
Assets per employee ($millions)4.6324%2,758
Cash dividends to net income (ytd only)*93.2326%619
Condition Ratios (%)
Loss allowance to loans1.8565%2,821
Loan loss allowance to noncurrent loans27.7532%6,274
Noncurrent assets plus other real estate owned to assets4.4882%1,194
Noncurrent loans to loans6.6893%702
Net loans and leases to total assets61.8981%3,275
Net loans and leases to deposits72.6747%3,329
Net loans and leases to core deposits73.5872%3,949
Total domestic deposits to total assets85.1715%3,953
Equity capital to assets14.2035%948
Core capital (leverage) ratio14.3407%722
Tier 1 risk-based capital ratio22.7383%1,167
Total risk-based capital ratio23.9963%1,146
Memoranda:
Average total assets$309,003,5002,105
Average earning assets$299,614,0001,986
Average equity$44,145,0001,574
Average total loans$196,719,0002,063
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8143%3,743
Cost of funding earning assets0.2117%7,225
Net interest margin4.6026%922
Noninterest income to average assets2.0589%358
Noninterest expense to average assets2.4761%5,549
Loan and lease loss provision to assets1.2114%727
Net operating income to assets1.7133%538
Return on assets (ROA)1.7133%575
Pretax return on assets2.8427%142
Return on Equity (ROE)11.5163%1,550
Retained earnings to average equity (ytd only)1.3302%5,224
Net charge-offs to loans1.6337%962
Credit loss provision to net charge-offs106.1461%3,208
Earnings coverage of net charge-offs (x)3.5523%3,472
Efficiency ratio37.9171%7,235
Assets per employee ($millions)4.6612%2,667
Cash dividends to net income (ytd only)*88.4494%556
Condition Ratios (%)
Loss allowance to loans1.8155%2,823
Loan loss allowance to noncurrent loans29.6587%6,223
Noncurrent assets plus other real estate owned to assets4.1438%1,374
Noncurrent loans to loans6.1211%798
Net loans and leases to total assets63.0944%3,382
Net loans and leases to deposits73.9674%3,504
Net loans and leases to core deposits74.8542%4,120
Total domestic deposits to total assets85.3003%3,691
Equity capital to assets14.3698%944
Core capital (leverage) ratio14.1328%791
Tier 1 risk-based capital ratio22.6488%1,140
Total risk-based capital ratio23.9068%1,116
Memoranda:
Average total assets$295,104,4002,168
Average earning assets$286,687,2002,044
Average equity$43,903,0001,541
Average total loans$206,154,8001,985
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9607%3,285
Cost of funding earning assets0.2198%7,307
Net interest margin4.7409%698
Noninterest income to average assets2.1097%353
Noninterest expense to average assets2.4541%5,614
Loan and lease loss provision to assets1.5298%440
Net operating income to assets1.6545%700
Return on assets (ROA)1.6545%766
Pretax return on assets2.7354%174
Return on Equity (ROE)11.0219%1,854
Retained earnings to average equity (ytd only)-0.7514%6,108
Net charge-offs to loans2.0921%591
Credit loss provision to net charge-offs102.5092%3,250
Earnings coverage of net charge-offs (x)2.8580%3,715
Efficiency ratio36.5230%7,310
Assets per employee ($millions)4.4518%3,000
Cash dividends to net income (ytd only)*106.8174%249
Condition Ratios (%)
Loss allowance to loans1.7029%3,254
Loan loss allowance to noncurrent loans94.2842%3,099
Noncurrent assets plus other real estate owned to assets1.5368%3,787
Noncurrent loans to loans1.8062%3,632
Net loans and leases to total assets67.0352%2,671
Net loans and leases to deposits78.8728%2,834
Net loans and leases to core deposits80.5871%3,550
Total domestic deposits to total assets84.9916%3,769
Equity capital to assets14.5246%982
Core capital (leverage) ratio14.4184%788
Tier 1 risk-based capital ratio21.3264%1,397
Total risk-based capital ratio22.5827%1,374
Memoranda:
Average total assets$291,970,7502,196
Average earning assets$283,876,0002,074
Average equity$43,827,0001,548
Average total loans$208,270,5001,995
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0133%3,094
Cost of funding earning assets0.2275%7,389
Net interest margin4.7858%616
Noninterest income to average assets2.1582%328
Noninterest expense to average assets2.4777%5,620
Loan and lease loss provision to assets0.8970%999
Net operating income to assets2.0816%305
Return on assets (ROA)2.0816%316
Pretax return on assets3.4422%112
Return on Equity (ROE)13.7152%1,042
Retained earnings to average equity (ytd only)3.1594%4,261
Net charge-offs to loans1.1739%1,334
Credit loss provision to net charge-offs105.5195%2,927
Earnings coverage of net charge-offs (x)5.1047%2,690
Efficiency ratio36.3462%7,382
Assets per employee ($millions)4.4819%2,873
Cash dividends to net income (ytd only)*76.9639%864
Condition Ratios (%)
Loss allowance to loans1.6481%3,506
Loan loss allowance to noncurrent loans119.2534%2,447
Noncurrent assets plus other real estate owned to assets1.1626%4,568
Noncurrent loans to loans1.3820%4,338
Net loans and leases to total assets70.6717%2,080
Net loans and leases to deposits83.7711%2,139
Net loans and leases to core deposits85.5239%2,995
Total domestic deposits to total assets84.3629%4,183
Equity capital to assets15.2207%765
Core capital (leverage) ratio14.9270%679
Tier 1 risk-based capital ratio21.1940%1,383
Total risk-based capital ratio22.4495%1,362
Memoranda:
Average total assets$289,870,0002,219
Average earning assets$282,167,6702,086
Average equity$43,995,0001,529
Average total loans$209,890,0002,000
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0386%2,915
Cost of funding earning assets0.2284%7,461
Net interest margin4.8101%560
Noninterest income to average assets2.1221%335
Noninterest expense to average assets2.4749%5,646
Loan and lease loss provision to assets0.8300%1,001
Net operating income to assets2.0751%314
Return on assets (ROA)2.0751%328
Pretax return on assets3.5069%126
Return on Equity (ROE)13.6919%1,044
Retained earnings to average equity (ytd only)5.8419%2,730
Net charge-offs to loans0.9155%1,455
Credit loss provision to net charge-offs124.7401%2,212
Earnings coverage of net charge-offs (x)6.5177%2,088
Efficiency ratio36.3323%7,439
Assets per employee ($millions)4.6740%2,618
Cash dividends to net income (ytd only)*57.3333%1,308
Condition Ratios (%)
Loss allowance to loans1.6716%3,441
Loan loss allowance to noncurrent loans42.2061%5,485
Noncurrent assets plus other real estate owned to assets2.8170%2,446
Noncurrent loans to loans3.9606%1,844
Net loans and leases to total assets69.9367%2,137
Net loans and leases to deposits82.8972%2,197
Net loans and leases to core deposits84.4093%3,112
Total domestic deposits to total assets84.3656%4,338
Equity capital to assets14.9691%777
Core capital (leverage) ratio15.2268%620
Tier 1 risk-based capital ratio21.0582%1,381
Total risk-based capital ratio22.3140%1,354
Memoranda:
Average total assets$289,142,0002,239
Average earning assets$281,905,0002,100
Average equity$43,821,5001,522
Average total loans$210,167,5002,014
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3150%3,052
Cost of funding earning assets0.2827%7,519
Net interest margin5.0323%399
Noninterest income to average assets2.2036%337
Noninterest expense to average assets2.4743%5,883
Loan and lease loss provision to assets0.5742%2,835
Net operating income to assets2.4333%122
Return on assets (ROA)2.4333%129
Pretax return on assets4.0430%70
Return on Equity (ROE)16.2705%555
Retained earnings to average equity (ytd only)8.0153%975
Net charge-offs to loans0.4596%3,780
Credit loss provision to net charge-offs165.6315%2,070
Earnings coverage of net charge-offs (x)13.3178%1,420
Efficiency ratio34.8904%7,551
Assets per employee ($millions)4.5052%2,862
Cash dividends to net income (ytd only)*50.7375%2,042
Condition Ratios (%)
Loss allowance to loans1.6259%3,481
Loan loss allowance to noncurrent loans43.1429%5,435
Noncurrent assets plus other real estate owned to assets2.8003%2,501
Noncurrent loans to loans3.7686%1,966
Net loans and leases to total assets73.0979%1,849
Net loans and leases to deposits86.6531%1,985
Net loans and leases to core deposits88.3912%2,999
Total domestic deposits to total assets84.3569%4,197
Equity capital to assets15.3492%708
Core capital (leverage) ratio14.9800%669
Tier 1 risk-based capital ratio20.8941%1,329
Total risk-based capital ratio22.1508%1,307
Memoranda:
Average total assets$278,629,0002,292
Average earning assets$270,631,0002,176
Average equity$41,670,4001,589
Average total loans$210,205,0002,071
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3316%3,204
Cost of funding earning assets0.2969%7,639
Net interest margin5.0347%398
Noninterest income to average assets2.1817%336
Noninterest expense to average assets2.4423%5,913
Loan and lease loss provision to assets0.4808%3,067
Net operating income to assets2.4471%151
Return on assets (ROA)2.4471%157
Pretax return on assets4.1427%69
Return on Equity (ROE)16.4734%654
Retained earnings to average equity (ytd only)8.1234%1,384
Net charge-offs to loans0.2488%4,444
Credit loss provision to net charge-offs255.1020%1,305
Earnings coverage of net charge-offs (x)24.5333%1,024
Efficiency ratio34.5649%7,644
Assets per employee ($millions)4.3641%3,138
Cash dividends to net income (ytd only)*50.6875%1,594
Condition Ratios (%)
Loss allowance to loans1.5778%3,626
Loan loss allowance to noncurrent loans40.4445%5,594
Noncurrent assets plus other real estate owned to assets2.9661%2,448
Noncurrent loans to loans3.9011%1,939
Net loans and leases to total assets74.8340%1,611
Net loans and leases to deposits88.5566%1,932
Net loans and leases to core deposits91.2538%2,912
Total domestic deposits to total assets84.5041%3,862
Equity capital to assets15.0214%886
Core capital (leverage) ratio14.8684%739
Tier 1 risk-based capital ratio20.0677%1,535
Total risk-based capital ratio21.3222%1,501
Memoranda:
Average total assets$277,330,0002,337
Average earning assets$269,031,2502,220
Average equity$41,196,7501,610
Average total loans$210,031,5002,099
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3537%3,200
Cost of funding earning assets0.3315%7,696
Net interest margin5.0222%401
Noninterest income to average assets2.2077%309
Noninterest expense to average assets2.4359%5,956
Loan and lease loss provision to assets0.5632%2,521
Net operating income to assets2.4323%153
Return on assets (ROA)2.4323%159
Pretax return on assets4.0746%69
Return on Equity (ROE)16.4369%643
Retained earnings to average equity (ytd only)7.9901%1,443
Net charge-offs to loans0.3795%3,463
Credit loss provision to net charge-offs196.2025%2,012
Earnings coverage of net charge-offs (x)16.1570%1,413
Efficiency ratio34.4360%7,713
Assets per employee ($millions)4.2343%3,328
Cash dividends to net income (ytd only)*51.3893%1,618
Condition Ratios (%)
Loss allowance to loans1.5190%3,821
Loan loss allowance to noncurrent loans38.0832%5,812
Noncurrent assets plus other real estate owned to assets2.9832%2,389
Noncurrent loans to loans3.9886%1,900
Net loans and leases to total assets73.6574%1,990
Net loans and leases to deposits86.9807%2,341
Net loans and leases to core deposits87.6362%3,593
Total domestic deposits to total assets84.6825%3,779
Equity capital to assets14.9157%900
Core capital (leverage) ratio14.9258%733
Tier 1 risk-based capital ratio20.1574%1,489
Total risk-based capital ratio21.4112%1,457
Memoranda:
Average total assets$275,217,3302,369
Average earning assets$266,658,0002,256
Average equity$40,725,3301,623
Average total loans$208,147,6702,144
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4319%2,888
Cost of funding earning assets0.3543%7,791
Net interest margin5.0777%360
Noninterest income to average assets2.2205%296
Noninterest expense to average assets2.4182%6,021
Loan and lease loss provision to assets0.7323%1,735
Net operating income to assets2.4592%157
Return on assets (ROA)2.4592%172
Pretax return on assets3.9825%77
Return on Equity (ROE)16.6874%635
Retained earnings to average equity (ytd only)8.1399%1,653
Net charge-offs to loans0.6721%2,145
Credit loss provision to net charge-offs143.2665%2,483
Earnings coverage of net charge-offs (x)9.2235%1,881
Efficiency ratio33.9014%7,818
Assets per employee ($millions)4.2014%3,458
Cash dividends to net income (ytd only)*51.2210%1,450
Condition Ratios (%)
Loss allowance to loans1.4225%4,306
Loan loss allowance to noncurrent loans35.0506%6,045
Noncurrent assets plus other real estate owned to assets3.0778%2,324
Noncurrent loans to loans4.0584%1,922
Net loans and leases to total assets74.7577%1,794
Net loans and leases to deposits88.6324%2,107
Net loans and leases to core deposits89.2415%3,465
Total domestic deposits to total assets84.3458%3,975
Equity capital to assets14.8878%909
Core capital (leverage) ratio15.1506%720
Tier 1 risk-based capital ratio19.9541%1,533
Total risk-based capital ratio21.2077%1,499
Memoranda:
Average total assets$273,094,0002,446
Average earning assets$264,215,5002,322
Average equity$40,246,0001,670
Average total loans$207,711,0002,198
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7243%2,990
Cost of funding earning assets0.4862%7,844
Net interest margin5.2381%271
Noninterest income to average assets2.1456%344
Noninterest expense to average assets2.4687%6,243
Loan and lease loss provision to assets0.5590%3,580
Net operating income to assets2.4299%97
Return on assets (ROA)2.4299%108
Pretax return on assets4.1648%54
Return on Equity (ROE)17.1201%449
Retained earnings to average equity (ytd only)10.3456%341
Net charge-offs to loans0.4254%4,092
Credit loss provision to net charge-offs170.0680%2,511
Earnings coverage of net charge-offs (x)14.3707%1,373
Efficiency ratio34.3230%7,909
Assets per employee ($millions)4.3349%3,217
Cash dividends to net income (ytd only)*39.5706%2,956
Condition Ratios (%)
Loss allowance to loans1.3417%4,525
Loan loss allowance to noncurrent loans44.1548%5,464
Noncurrent assets plus other real estate owned to assets2.3178%2,982
Noncurrent loans to loans3.0386%2,539
Net loans and leases to total assets75.2570%1,980
Net loans and leases to deposits88.5262%2,468
Net loans and leases to core deposits93.1297%4,766
Total domestic deposits to total assets85.0109%3,543
Equity capital to assets14.5863%1,003
Core capital (leverage) ratio14.4825%885
Tier 1 risk-based capital ratio19.3851%1,574
Total risk-based capital ratio20.6363%1,536
Memoranda:
Average total assets$268,321,0002,438
Average earning assets$258,530,6002,339
Average equity$38,083,8001,758
Average total loans$207,331,0002,229
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7593%3,066
Cost of funding earning assets0.5153%7,934
Net interest margin5.2440%284
Noninterest income to average assets2.0429%351
Noninterest expense to average assets2.5530%5,883
Loan and lease loss provision to assets0.3868%4,000
Net operating income to assets2.3818%127
Return on assets (ROA)2.3818%141
Pretax return on assets4.1522%46
Return on Equity (ROE)16.9009%556
Retained earnings to average equity (ytd only)10.8092%496
Net charge-offs to loans-0.0052%7,633
Credit loss provision to net charge-offs-9,687.5000%7,437
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.9983%7,974
Assets per employee ($millions)4.3668%3,092
Cash dividends to net income (ytd only)*36.0436%2,618
Condition Ratios (%)
Loss allowance to loans1.4177%3,852
Loan loss allowance to noncurrent loans45.4057%5,289
Noncurrent assets plus other real estate owned to assets2.4078%2,857
Noncurrent loans to loans3.1223%2,417
Net loans and leases to total assets76.0240%1,992
Net loans and leases to deposits89.3413%2,710
Net loans and leases to core deposits94.4382%4,980
Total domestic deposits to total assets85.0939%3,179
Equity capital to assets14.3480%1,191
Core capital (leverage) ratio14.4072%977
Tier 1 risk-based capital ratio18.8888%1,769
Total risk-based capital ratio20.1411%1,733
Memoranda:
Average total assets$267,126,5002,457
Average earning assets$257,199,5002,363
Average equity$37,646,0001,802
Average total loans$207,083,5002,249
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8103%2,998
Cost of funding earning assets0.5659%8,011
Net interest margin5.2444%272
Noninterest income to average assets2.0156%372
Noninterest expense to average assets2.5782%5,825
Loan and lease loss provision to assets0.3572%3,782
Net operating income to assets2.3691%138
Return on assets (ROA)2.3691%156
Pretax return on assets4.1125%52
Return on Equity (ROE)16.9146%590
Retained earnings to average equity (ytd only)12.2966%401
Net charge-offs to loans0.0010%6,620
Credit loss provision to net charge-offs47,500.0000%6
Earnings coverage of net charge-offs (x)5,943.0000%3
Efficiency ratio36.5809%8,062
Assets per employee ($millions)4.2925%3,131
Cash dividends to net income (ytd only)*27.3016%2,945
Condition Ratios (%)
Loss allowance to loans1.2701%4,467
Loan loss allowance to noncurrent loans41.7152%5,572
Noncurrent assets plus other real estate owned to assets2.5457%2,528
Noncurrent loans to loans3.0447%2,362
Net loans and leases to total assets77.4314%1,872
Net loans and leases to deposits90.8963%2,677
Net loans and leases to core deposits96.4179%4,853
Total domestic deposits to total assets85.1865%3,173
Equity capital to assets14.3014%1,225
Core capital (leverage) ratio14.2949%1,070
Tier 1 risk-based capital ratio18.5852%1,861
Total risk-based capital ratio19.8356%1,816
Memoranda:
Average total assets$265,921,3302,477
Average earning assets$255,166,3302,398
Average equity$37,246,0001,828
Average total loans$206,515,0002,274
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8508%3,035
Cost of funding earning assets0.6456%8,029
Net interest margin5.2052%277
Noninterest income to average assets2.1022%334
Noninterest expense to average assets2.5266%5,737
Loan and lease loss provision to assets0.3762%3,071
Net operating income to assets2.4453%146
Return on assets (ROA)2.4453%178
Pretax return on assets4.1864%55
Return on Equity (ROE)17.6446%620
Retained earnings to average equity (ytd only)17.6446%241
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio35.6400%8,111
Assets per employee ($millions)4.3148%3,047
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1684%4,994
Loan loss allowance to noncurrent loans38.1724%6,003
Noncurrent assets plus other real estate owned to assets2.5337%2,266
Noncurrent loans to loans3.0608%2,124
Net loans and leases to total assets76.7411%2,103
Net loans and leases to deposits90.0760%2,921
Net loans and leases to core deposits96.4746%4,910
Total domestic deposits to total assets85.1960%3,104
Equity capital to assets14.0370%1,352
Core capital (leverage) ratio14.3476%1,122
Tier 1 risk-based capital ratio18.4264%1,954
Total risk-based capital ratio19.6198%1,925
Memoranda:
Average total assets$265,814,5002,497
Average earning assets$254,666,0002,407
Average equity$36,838,5001,859
Average total loans$205,411,0002,311
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3521%3,683
Cost of funding earning assets1.3841%7,757
Net interest margin4.9679%548
Noninterest income to average assets2.3606%274
Noninterest expense to average assets2.3687%6,508
Loan and lease loss provision to assets0.2909%4,054
Net operating income to assets2.6161%103
Return on assets (ROA)2.6161%105
Pretax return on assets4.4280%54
Return on Equity (ROE)20.5716%330
Retained earnings to average equity (ytd only)20.5716%30
Net charge-offs to loans0.0310%6,391
Credit loss provision to net charge-offs1,250.0000%363
Earnings coverage of net charge-offs (x)202.8000%235
Efficiency ratio33.4209%8,213
Assets per employee ($millions)4.2599%3,019
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.0719%5,473
Loan loss allowance to noncurrent loans92.6383%3,673
Noncurrent assets plus other real estate owned to assets1.0488%4,195
Noncurrent loans to loans1.1571%4,215
Net loans and leases to total assets76.0747%2,601
Net loans and leases to deposits88.5701%3,713
Net loans and leases to core deposits94.0290%5,445
Total domestic deposits to total assets85.8921%2,454
Equity capital to assets13.6782%1,540
Core capital (leverage) ratio13.8589%1,290
Tier 1 risk-based capital ratio17.7366%2,106
Total risk-based capital ratio18.8137%2,101
Memoranda:
Average total assets$257,861,2002,482
Average earning assets$245,353,0002,403
Average equity$32,792,8002,066
Average total loans$193,543,8002,359