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Premier Bank, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4879%3,908
Cost of funding earning assets1.6015%2,965
Net interest margin2.8864%3,581
Noninterest income to average assets0.2500%3,214
Noninterest expense to average assets2.2059%3,089
Loan and lease loss provision to assets0.0700%1,663
Net operating income to assets0.6787%3,165
Return on assets (ROA)0.6787%3,180
Pretax return on assets0.7105%3,367
Return on Equity (ROE)8.9500%2,612
Retained earnings to average equity (ytd only)-6.4221%4,153
Net charge-offs to loans0.3108%391
Credit loss provision to net charge-offs31.0000%1,623
Earnings coverage of net charge-offs (x)3.5500%2,008
Efficiency ratio73.9162%1,444
Assets per employee ($millions)9.1921%1,034
Cash dividends to net income (ytd only)*171.7286%202
Condition Ratios (%)
Loss allowance to loans0.9666%3,384
Loan loss allowance to noncurrent loans345.4418%1,496
Noncurrent assets plus other real estate owned to assets0.1989%2,510
Noncurrent loans to loans0.2798%2,505
Net loans and leases to total assets70.3900%1,797
Net loans and leases to deposits83.0858%1,783
Net loans and leases to core deposits86.9338%2,253
Total domestic deposits to total assets84.7200%2,705
Equity capital to assets7.7059%3,755
Core capital (leverage) ratio8.8194%3,888
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3915%2,080
Memoranda:
Average total assets$364,837,5002,191
Average earning assets$346,178,5002,158
Average equity$27,654,5002,558
Average total loans$257,424,5002,081
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3678%4,014
Cost of funding earning assets2.0496%2,104
Net interest margin2.3182%4,067
Noninterest income to average assets0.3500%2,750
Noninterest expense to average assets2.0839%3,415
Loan and lease loss provision to assets0.0000%3,171
Net operating income to assets0.4514%3,584
Return on assets (ROA)0.4514%3,604
Pretax return on assets0.4745%3,701
Return on Equity (ROE)6.3200%3,204
Retained earnings to average equity (ytd only)1.4346%3,555
Net charge-offs to loans0.0000%3,099
Credit loss provision to net charge-offs0.0000%2,577
Earnings coverage of net charge-offs (x)0.0000%2,991
Efficiency ratio81.4523%954
Assets per employee ($millions)9.2796%963
Cash dividends to net income (ytd only)*77.3075%623
Condition Ratios (%)
Loss allowance to loans1.0002%3,233
Loan loss allowance to noncurrent loans77.1810%3,198
Noncurrent assets plus other real estate owned to assets0.9079%767
Noncurrent loans to loans1.2959%774
Net loans and leases to total assets69.3600%1,982
Net loans and leases to deposits84.9665%1,688
Net loans and leases to core deposits91.2621%2,026
Total domestic deposits to total assets81.6300%3,307
Equity capital to assets7.4583%3,782
Core capital (leverage) ratio8.7828%3,892
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3032%2,113
Memoranda:
Average total assets$376,790,2002,115
Average earning assets$358,604,4002,078
Average equity$26,906,2002,527
Average total loans$262,113,2002,011
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3407%4,020
Cost of funding earning assets2.1259%1,912
Net interest margin2.2148%4,158
Noninterest income to average assets0.3800%2,542
Noninterest expense to average assets2.0293%3,496
Loan and lease loss provision to assets0.0000%3,009
Net operating income to assets0.4336%3,623
Return on assets (ROA)0.4336%3,651
Pretax return on assets0.4548%3,725
Return on Equity (ROE)6.1400%3,279
Retained earnings to average equity (ytd only)3.2644%3,084
Net charge-offs to loans0.0000%2,849
Credit loss provision to net charge-offs0.0000%2,285
Earnings coverage of net charge-offs (x)0.0000%2,734
Efficiency ratio81.6917%968
Assets per employee ($millions)9.6376%861
Cash dividends to net income (ytd only)*46.8293%1,497
Condition Ratios (%)
Loss allowance to loans1.0022%3,242
Loan loss allowance to noncurrent loans101.0465%3,006
Noncurrent assets plus other real estate owned to assets0.6864%1,040
Noncurrent loans to loans0.9918%1,008
Net loans and leases to total assets68.5100%2,022
Net loans and leases to deposits86.6993%1,568
Net loans and leases to core deposits96.6148%1,723
Total domestic deposits to total assets79.0300%3,609
Equity capital to assets7.3840%4,015
Core capital (leverage) ratio8.8460%3,875
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9966%2,245
Memoranda:
Average total assets$378,192,2502,104
Average earning assets$359,811,0002,069
Average equity$26,711,7502,530
Average total loans$262,630,0001,996
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3125%4,016
Cost of funding earning assets2.1480%1,766
Net interest margin2.1645%4,193
Noninterest income to average assets0.4000%2,384
Noninterest expense to average assets2.0149%3,522
Loan and lease loss provision to assets0.0000%2,867
Net operating income to assets0.4322%3,597
Return on assets (ROA)0.4322%3,631
Pretax return on assets0.4533%3,719
Return on Equity (ROE)6.2100%3,217
Retained earnings to average equity (ytd only)3.8158%2,782
Net charge-offs to loans0.0000%2,619
Credit loss provision to net charge-offs0.0000%2,036
Earnings coverage of net charge-offs (x)0.0000%2,538
Efficiency ratio81.6335%1,015
Assets per employee ($millions)9.3547%892
Cash dividends to net income (ytd only)*38.5836%1,858
Condition Ratios (%)
Loss allowance to loans1.0081%3,233
Loan loss allowance to noncurrent loans102.5213%3,050
Noncurrent assets plus other real estate owned to assets0.6890%970
Noncurrent loans to loans0.9833%953
Net loans and leases to total assets69.3600%1,981
Net loans and leases to deposits88.4449%1,446
Net loans and leases to core deposits101.3116%1,402
Total domestic deposits to total assets78.4200%3,659
Equity capital to assets7.2071%3,862
Core capital (leverage) ratio8.6164%4,019
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9127%2,283
Memoranda:
Average total assets$378,967,6672,099
Average earning assets$361,740,0002,063
Average equity$26,364,3332,526
Average total loans$263,463,3331,993
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2747%3,988
Cost of funding earning assets2.1390%1,685
Net interest margin2.1357%4,231
Noninterest income to average assets0.4200%2,181
Noninterest expense to average assets2.0107%3,551
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets0.4300%3,538
Return on assets (ROA)0.4300%3,555
Pretax return on assets0.4500%3,657
Return on Equity (ROE)6.2900%3,134
Retained earnings to average equity (ytd only)6.2926%2,017
Net charge-offs to loans0.0000%2,236
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)0.0000%2,130
Efficiency ratio81.7136%1,062
Assets per employee ($millions)10.1991%693
Cash dividends to net income (ytd only)*0.0000%2,272
Condition Ratios (%)
Loss allowance to loans1.0083%3,252
Loan loss allowance to noncurrent loans11,008.3333%126
Noncurrent assets plus other real estate owned to assets0.0062%3,786
Noncurrent loans to loans0.0092%3,729
Net loans and leases to total assets66.9300%2,127
Net loans and leases to deposits79.7765%2,079
Net loans and leases to core deposits89.8989%2,052
Total domestic deposits to total assets83.8900%2,745
Equity capital to assets6.8298%3,969
Core capital (leverage) ratio8.5365%4,054
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9083%2,268
Memoranda:
Average total assets$381,357,0002,105
Average earning assets$364,099,5002,065
Average equity$26,062,5002,545
Average total loans$264,104,5001,990
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0009%3,965
Cost of funding earning assets1.8085%1,237
Net interest margin2.1924%4,322
Noninterest income to average assets0.3200%2,981
Noninterest expense to average assets2.0260%3,563
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.3423%3,970
Return on assets (ROA)0.3431%3,964
Pretax return on assets0.3592%4,023
Return on Equity (ROE)5.0400%3,717
Retained earnings to average equity (ytd only)-7.9431%4,442
Net charge-offs to loans-0.0015%3,648
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio84.9702%615
Assets per employee ($millions)9.6192%795
Cash dividends to net income (ytd only)*257.7454%38
Condition Ratios (%)
Loss allowance to loans1.0583%3,033
Loan loss allowance to noncurrent loans0.0000%3,805
Noncurrent assets plus other real estate owned to assets0.0000%3,871
Noncurrent loans to loans0.0000%3,821
Net loans and leases to total assets70.2000%1,786
Net loans and leases to deposits87.0354%1,533
Net loans and leases to core deposits103.1020%1,269
Total domestic deposits to total assets80.6600%3,363
Equity capital to assets6.8386%4,004
Core capital (leverage) ratio8.5249%4,077
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6051%2,379
Memoranda:
Average total assets$380,056,4002,080
Average earning assets$358,196,0002,053
Average equity$25,896,6002,468
Average total loans$266,936,2001,927
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9376%3,940
Cost of funding earning assets1.7249%1,140
Net interest margin2.2127%4,347
Noninterest income to average assets0.3100%3,041
Noninterest expense to average assets2.0051%3,586
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.3683%4,012
Return on assets (ROA)0.3693%4,013
Pretax return on assets0.3875%4,079
Return on Equity (ROE)5.4200%3,742
Retained earnings to average equity (ytd only)-9.5900%4,501
Net charge-offs to loans-0.0015%3,531
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio83.8427%624
Assets per employee ($millions)9.9759%673
Cash dividends to net income (ytd only)*276.7992%19
Condition Ratios (%)
Loss allowance to loans1.0556%3,093
Loan loss allowance to noncurrent loans14,085.0000%102
Noncurrent assets plus other real estate owned to assets0.0053%3,814
Noncurrent loans to loans0.0075%3,753
Net loans and leases to total assets69.6600%1,871
Net loans and leases to deposits85.7973%1,594
Net loans and leases to core deposits101.1635%1,253
Total domestic deposits to total assets81.1900%3,351
Equity capital to assets6.6449%3,777
Core capital (leverage) ratio8.5309%4,135
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5792%2,422
Memoranda:
Average total assets$381,283,2502,074
Average earning assets$358,108,7502,043
Average equity$25,957,0002,452
Average total loans$267,123,2501,924
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8675%3,930
Cost of funding earning assets1.5785%1,114
Net interest margin2.2890%4,372
Noninterest income to average assets0.3100%3,022
Noninterest expense to average assets1.9931%3,616
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.4362%3,933
Return on assets (ROA)0.4377%3,938
Pretax return on assets0.4623%4,025
Return on Equity (ROE)6.3800%3,603
Retained earnings to average equity (ytd only)-1.8998%4,286
Net charge-offs to loans-0.0015%3,496
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio81.2247%765
Assets per employee ($millions)10.0531%657
Cash dividends to net income (ytd only)*129.7847%160
Condition Ratios (%)
Loss allowance to loans1.0496%3,195
Loan loss allowance to noncurrent loans0.0000%3,834
Noncurrent assets plus other real estate owned to assets0.0000%3,917
Noncurrent loans to loans0.0000%3,848
Net loans and leases to total assets69.4900%1,799
Net loans and leases to deposits91.2259%1,085
Net loans and leases to core deposits98.3295%1,329
Total domestic deposits to total assets76.1800%4,028
Equity capital to assets6.9133%3,837
Core capital (leverage) ratio8.8911%3,860
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8795%2,341
Memoranda:
Average total assets$382,015,6672,070
Average earning assets$358,059,0002,055
Average equity$26,212,6672,452
Average total loans$267,207,0001,921
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7809%3,895
Cost of funding earning assets1.3690%1,095
Net interest margin2.4119%4,376
Noninterest income to average assets0.3200%2,923
Noninterest expense to average assets2.0355%3,540
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.5132%3,865
Return on assets (ROA)0.5162%3,819
Pretax return on assets0.5445%3,927
Return on Equity (ROE)7.5500%3,398
Retained earnings to average equity (ytd only)-2.7265%4,235
Net charge-offs to loans-0.0015%3,375
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio78.9923%905
Assets per employee ($millions)10.1516%673
Cash dividends to net income (ytd only)*136.1055%270
Condition Ratios (%)
Loss allowance to loans1.0465%3,311
Loan loss allowance to noncurrent loans0.0000%3,881
Noncurrent assets plus other real estate owned to assets0.0000%3,959
Noncurrent loans to loans0.0000%3,889
Net loans and leases to total assets69.0000%1,729
Net loans and leases to deposits86.7633%1,298
Net loans and leases to core deposits93.1248%1,449
Total domestic deposits to total assets79.5300%3,827
Equity capital to assets6.8117%3,904
Core capital (leverage) ratio8.9351%3,789
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.8933%2,428
Memoranda:
Average total assets$382,014,0002,094
Average earning assets$358,222,0002,082
Average equity$26,114,0002,481
Average total loans$266,667,5001,939
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2868%3,617
Cost of funding earning assets0.4082%2,019
Net interest margin2.8786%3,732
Noninterest income to average assets0.3500%3,007
Noninterest expense to average assets1.9904%3,604
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.0193%2,500
Return on assets (ROA)1.3257%1,310
Pretax return on assets1.3897%1,797
Return on Equity (ROE)18.5300%628
Retained earnings to average equity (ytd only)6.3400%2,515
Net charge-offs to loans-0.0016%3,408
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio65.0970%2,350
Assets per employee ($millions)9.9544%687
Cash dividends to net income (ytd only)*65.7844%779
Condition Ratios (%)
Loss allowance to loans1.0645%3,061
Loan loss allowance to noncurrent loans0.0000%3,900
Noncurrent assets plus other real estate owned to assets0.0000%3,976
Noncurrent loans to loans0.0000%3,914
Net loans and leases to total assets69.1400%1,716
Net loans and leases to deposits86.8995%1,251
Net loans and leases to core deposits92.7063%1,356
Total domestic deposits to total assets79.5600%3,939
Equity capital to assets6.8605%3,738
Core capital (leverage) ratio9.0611%3,622
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1250%2,316
Memoranda:
Average total assets$387,561,6002,071
Average earning assets$364,759,6002,049
Average equity$27,728,8002,440
Average total loans$251,754,6001,934
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1656%3,521
Cost of funding earning assets0.3250%1,914
Net interest margin2.8406%3,652
Noninterest income to average assets0.3600%2,976
Noninterest expense to average assets1.9438%3,640
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.0322%2,350
Return on assets (ROA)1.4383%960
Pretax return on assets1.5139%1,379
Return on Equity (ROE)19.9000%443
Retained earnings to average equity (ytd only)11.7792%841
Net charge-offs to loans-0.0016%3,228
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio64.1463%2,530
Assets per employee ($millions)10.4918%563
Cash dividends to net income (ytd only)*40.8226%1,540
Condition Ratios (%)
Loss allowance to loans1.0810%3,099
Loan loss allowance to noncurrent loans0.0000%3,983
Noncurrent assets plus other real estate owned to assets0.0000%4,052
Noncurrent loans to loans0.0000%3,992
Net loans and leases to total assets66.2800%1,858
Net loans and leases to deposits77.0473%1,795
Net loans and leases to core deposits82.2024%1,750
Total domestic deposits to total assets86.0300%3,061
Equity capital to assets6.7625%3,631
Core capital (leverage) ratio9.2130%3,373
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2601%2,371
Memoranda:
Average total assets$389,885,5002,078
Average earning assets$367,148,5002,055
Average equity$28,173,2502,452
Average total loans$248,607,0001,949
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0536%3,420
Cost of funding earning assets0.2511%2,254
Net interest margin2.8024%3,442
Noninterest income to average assets0.3621%2,975
Noninterest expense to average assets1.9229%3,650
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.0256%2,067
Return on assets (ROA)1.6417%487
Pretax return on assets1.7288%701
Return on Equity (ROE)22.2464%188
Retained earnings to average equity (ytd only)12.2928%561
Net charge-offs to loans-0.0016%3,092
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.0287%2,772
Assets per employee ($millions)9.1250%846
Cash dividends to net income (ytd only)*44.7426%1,529
Condition Ratios (%)
Loss allowance to loans1.1091%3,128
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,093
Noncurrent loans to loans0.0000%4,026
Net loans and leases to total assets66.9927%1,584
Net loans and leases to deposits79.4934%1,421
Net loans and leases to core deposits82.1367%1,588
Total domestic deposits to total assets84.2745%3,634
Equity capital to assets6.8036%3,871
Core capital (leverage) ratio8.9079%3,554
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4083%2,339
Memoranda:
Average total assets$390,448,0002,089
Average earning assets$367,964,3332,075
Average equity$28,813,6672,479
Average total loans$244,767,3331,969
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9147%3,495
Cost of funding earning assets0.2345%2,332
Net interest margin2.6802%3,449
Noninterest income to average assets0.3572%2,948
Noninterest expense to average assets1.8986%3,687
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.9224%2,193
Return on assets (ROA)0.9252%2,171
Pretax return on assets0.9854%2,485
Return on Equity (ROE)12.0944%1,276
Retained earnings to average equity (ytd only)0.2624%3,966
Net charge-offs to loans-0.0017%3,077
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.9004%2,780
Assets per employee ($millions)9.6066%750
Cash dividends to net income (ytd only)*97.8308%535
Condition Ratios (%)
Loss allowance to loans1.1694%3,006
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,139
Noncurrent loans to loans0.0000%4,066
Net loans and leases to total assets60.2972%2,034
Net loans and leases to deposits77.5842%1,322
Net loans and leases to core deposits79.9661%1,484
Total domestic deposits to total assets77.7183%4,423
Equity capital to assets7.1688%4,115
Core capital (leverage) ratio8.2645%4,106
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1637%2,545
Memoranda:
Average total assets$398,609,0002,055
Average earning assets$375,338,5002,049
Average equity$30,493,5002,457
Average total loans$240,427,0001,990
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4725%2,742
Cost of funding earning assets0.3144%2,257
Net interest margin3.1581%2,717
Noninterest income to average assets0.3921%3,091
Noninterest expense to average assets1.8870%3,953
Loan and lease loss provision to assets0.0643%1,779
Net operating income to assets1.3659%1,393
Return on assets (ROA)1.4972%1,075
Pretax return on assets1.5615%1,532
Return on Equity (ROE)17.6930%495
Retained earnings to average equity (ytd only)3.4722%3,424
Net charge-offs to loans-0.0015%3,326
Credit loss provision to net charge-offs-6,350.0000%4,192
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio55.8932%3,717
Assets per employee ($millions)9.8377%699
Cash dividends to net income (ytd only)*80.3756%497
Condition Ratios (%)
Loss allowance to loans1.1677%3,032
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 assets58.9423%2,276
Net loans and leases to deposits73.2950%1,793
Net loans and leases to core deposits75.5034%1,954
Total domestic deposits to total assets80.4179%4,175
Equity capital to assets8.1198%4,293
Core capital (leverage) ratio8.0200%4,350
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5124%2,446
Memoranda:
Average total assets$394,811,2002,011
Average earning assets$373,040,6001,993
Average equity$33,408,6002,363
Average total loans$261,141,0001,876
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4949%2,850
Cost of funding earning assets0.3314%2,283
Net interest margin3.1635%2,850
Noninterest income to average assets0.4098%3,034
Noninterest expense to average assets1.8468%4,062
Loan and lease loss provision to assets0.0863%1,379
Net operating income to assets1.3945%1,567
Return on assets (ROA)1.5687%1,153
Pretax return on assets1.6454%1,568
Return on Equity (ROE)18.3476%589
Retained earnings to average equity (ytd only)7.5694%2,193
Net charge-offs to loans-0.0015%3,176
Credit loss provision to net charge-offs-8,466.6667%4,195
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.3954%3,748
Assets per employee ($millions)9.2633%819
Cash dividends to net income (ytd only)*58.7446%877
Condition Ratios (%)
Loss allowance to loans1.1380%3,262
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 assets61.2422%2,109
Net loans and leases to deposits77.4939%1,525
Net loans and leases to core deposits80.7120%1,677
Total domestic deposits to total assets79.0284%4,339
Equity capital to assets8.5208%4,196
Core capital (leverage) ratio8.3023%4,214
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6367%2,490
Memoranda:
Average total assets$392,677,2502,034
Average earning assets$370,552,0002,021
Average equity$33,573,0002,384
Average total loans$266,288,5001,879
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5711%2,717
Cost of funding earning assets0.3520%2,304
Net interest margin3.2191%2,699
Noninterest income to average assets0.4330%2,942
Noninterest expense to average assets1.8173%4,145
Loan and lease loss provision to assets0.0809%1,504
Net operating income to assets1.5021%1,283
Return on assets (ROA)1.6786%954
Pretax return on assets1.7585%1,332
Return on Equity (ROE)19.6110%488
Retained earnings to average equity (ytd only)8.3586%1,958
Net charge-offs to loans-0.0015%3,133
Credit loss provision to net charge-offs-7,900.0000%4,033
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.3592%4,006
Assets per employee ($millions)8.7507%931
Cash dividends to net income (ytd only)*57.3780%1,008
Condition Ratios (%)
Loss allowance to loans1.0380%3,684
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 assets67.1289%1,563
Net loans and leases to deposits86.0888%906
Net loans and leases to core deposits89.7720%1,153
Total domestic deposits to total assets77.9763%4,434
Equity capital to assets8.7318%4,023
Core capital (leverage) ratio8.1135%4,332
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2063%2,644
Memoranda:
Average total assets$390,796,3332,033
Average earning assets$368,796,0002,025
Average equity$33,450,6672,385
Average total loans$272,802,0001,869
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5984%2,644
Cost of funding earning assets0.3599%2,447
Net interest margin3.2384%2,577
Noninterest income to average assets0.4593%2,790
Noninterest expense to average assets1.6938%4,388
Loan and lease loss provision to assets0.0630%1,875
Net operating income to assets1.6799%975
Return on assets (ROA)2.0291%593
Pretax return on assets2.1195%782
Return on Equity (ROE)23.9405%297
Retained earnings to average equity (ytd only)13.3669%845
Net charge-offs to loans-0.0014%3,078
Credit loss provision to net charge-offs-6,200.0000%3,749
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio48.2210%4,327
Assets per employee ($millions)9.3013%748
Cash dividends to net income (ytd only)*44.1662%1,280
Condition Ratios (%)
Loss allowance to loans0.9301%4,074
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 assets68.0317%1,528
Net loans and leases to deposits88.2591%807
Net loans and leases to core deposits92.5827%1,075
Total domestic deposits to total assets77.0818%4,510
Equity capital to assets8.1871%4,371
Core capital (leverage) ratio8.2396%4,359
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9999%2,665
Memoranda:
Average total assets$393,679,0002,016
Average earning assets$371,170,0001,996
Average equity$33,366,0002,382
Average total loans$278,614,0001,843
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7191%3,530
Cost of funding earning assets0.6103%2,237
Net interest margin3.1089%3,608
Noninterest income to average assets0.4604%2,816
Noninterest expense to average assets2.0514%4,036
Loan and lease loss provision to assets0.1163%2,899
Net operating income to assets1.1497%1,726
Return on assets (ROA)1.2416%1,517
Pretax return on assets1.3116%1,935
Return on Equity (ROE)14.1656%773
Retained earnings to average equity (ytd only)3.7636%2,940
Net charge-offs to loans0.0023%3,317
Credit loss provision to net charge-offs7,116.6667%150
Earnings coverage of net charge-offs (x)814.5000%146
Efficiency ratio60.6458%3,367
Assets per employee ($millions)8.7931%799
Cash dividends to net income (ytd only)*73.4313%839
Condition Ratios (%)
Loss allowance to loans0.9236%4,117
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 assets72.3717%1,247
Net loans and leases to deposits94.4906%630
Net loans and leases to core deposits99.5406%921
Total domestic deposits to total assets76.5915%4,457
Equity capital to assets8.7876%4,235
Core capital (leverage) ratio8.0066%4,628
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9224%2,658
Memoranda:
Average total assets$367,108,0001,971
Average earning assets$345,079,0001,954
Average equity$32,176,6002,382
Average total loans$260,636,4001,864
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7143%3,770
Cost of funding earning assets0.6605%2,267
Net interest margin3.0538%3,852
Noninterest income to average assets0.4311%2,931
Noninterest expense to average assets2.0470%4,056
Loan and lease loss provision to assets0.0124%4,152
Net operating income to assets1.1833%1,697
Return on assets (ROA)1.3067%1,434
Pretax return on assets1.3693%1,825
Return on Equity (ROE)14.9188%699
Retained earnings to average equity (ytd only)5.2556%2,449
Net charge-offs to loans0.0036%3,035
Credit loss provision to net charge-offs485.7143%1,307
Earnings coverage of net charge-offs (x)488.7143%236
Efficiency ratio62.0521%3,072
Assets per employee ($millions)9.1545%665
Cash dividends to net income (ytd only)*64.7718%969
Condition Ratios (%)
Loss allowance to loans0.7832%4,401
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 assets69.4197%2,040
Net loans and leases to deposits90.1169%1,250
Net loans and leases to core deposits96.0837%1,453
Total domestic deposits to total assets77.0329%4,323
Equity capital to assets8.3934%4,524
Core capital (leverage) ratio8.1099%4,602
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2087%2,532
Memoranda:
Average total assets$364,359,5001,962
Average earning assets$342,164,0001,952
Average equity$31,914,2502,379
Average total loans$256,748,0001,881
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8235%3,799
Cost of funding earning assets0.7532%2,099
Net interest margin3.0704%3,970
Noninterest income to average assets0.4044%3,049
Noninterest expense to average assets2.0750%4,085
Loan and lease loss provision to assets0.0192%3,997
Net operating income to assets1.1369%1,849
Return on assets (ROA)1.3271%1,385
Pretax return on assets1.3914%1,747
Return on Equity (ROE)14.9212%722
Retained earnings to average equity (ytd only)5.8277%2,146
Net charge-offs to loans0.0056%2,762
Credit loss provision to net charge-offs485.7143%1,259
Earnings coverage of net charge-offs (x)306.5714%317
Efficiency ratio63.1588%2,932
Assets per employee ($millions)8.7139%750
Cash dividends to net income (ytd only)*60.9435%1,214
Condition Ratios (%)
Loss allowance to loans0.7843%4,376
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 assets71.1724%1,846
Net loans and leases to deposits92.6396%1,082
Net loans and leases to core deposits103.3174%1,045
Total domestic deposits to total assets76.8272%4,338
Equity capital to assets8.4434%4,508
Core capital (leverage) ratio8.0421%4,730
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4116%2,437
Memoranda:
Average total assets$354,598,6671,985
Average earning assets$332,728,3331,970
Average equity$31,539,0002,386
Average total loans$250,523,3331,900
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9617%3,895
Cost of funding earning assets0.9537%1,634
Net interest margin3.0080%4,268
Noninterest income to average assets0.3245%3,579
Noninterest expense to average assets2.2458%3,899
Loan and lease loss provision to assets0.0400%3,272
Net operating income to assets0.8173%2,846
Return on assets (ROA)1.0429%2,125
Pretax return on assets1.0947%2,543
Return on Equity (ROE)11.4003%1,290
Retained earnings to average equity (ytd only)3.1232%3,029
Net charge-offs to loans0.0235%1,896
Credit loss provision to net charge-offs250.0000%1,279
Earnings coverage of net charge-offs (x)54.5000%845
Efficiency ratio71.4553%2,164
Assets per employee ($millions)7.7314%821
Cash dividends to net income (ytd only)*72.6043%1,150
Condition Ratios (%)
Loss allowance to loans0.8958%4,124
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 assets68.3982%2,489
Net loans and leases to deposits88.5504%1,686
Net loans and leases to core deposits99.7360%1,493
Total domestic deposits to total assets77.2422%4,322
Equity capital to assets9.1661%4,494
Core capital (leverage) ratio8.8022%4,598
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5817%2,899
Memoranda:
Average total assets$340,193,0001,996
Average earning assets$318,751,5001,981
Average equity$31,122,0002,395
Average total loans$238,265,5001,937
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1757%3,867
Cost of funding earning assets1.1737%1,084
Net interest margin3.0020%4,512
Noninterest income to average assets0.3920%3,348
Noninterest expense to average assets2.1983%4,163
Loan and lease loss provision to assets0.0142%3,730
Net operating income to assets0.9460%3,033
Return on assets (ROA)1.0833%2,604
Pretax return on assets1.1280%3,087
Return on Equity (ROE)12.1856%1,443
Retained earnings to average equity (ytd only)3.7162%3,130
Net charge-offs to loans0.0322%2,744
Credit loss provision to net charge-offs61.8421%3,018
Earnings coverage of net charge-offs (x)43.5000%1,237
Efficiency ratio68.7494%2,352
Assets per employee ($millions)7.3883%904
Cash dividends to net income (ytd only)*69.5033%1,148
Condition Ratios (%)
Loss allowance to loans0.9010%3,954
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 assets70.4670%2,320
Net loans and leases to deposits88.6698%1,749
Net loans and leases to core deposits98.3878%1,701
Total domestic deposits to total assets79.4712%4,082
Equity capital to assets9.1297%4,622
Core capital (leverage) ratio8.7603%4,691
Tier 1 risk-based capital ratio11.7552%4,496
Total risk-based capital ratio12.5984%4,591
Memoranda:
Average total assets$330,845,2001,977
Average earning assets$309,192,2001,971
Average equity$29,411,8002,428
Average total loans$236,309,8001,915
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1802%3,961
Cost of funding earning assets1.2030%1,032
Net interest margin2.9772%4,654
Noninterest income to average assets0.3430%3,674
Noninterest expense to average assets2.1522%4,271
Loan and lease loss provision to assets0.0190%3,531
Net operating income to assets0.9155%3,284
Return on assets (ROA)1.0987%2,671
Pretax return on assets1.1407%3,166
Return on Equity (ROE)12.4436%1,467
Retained earnings to average equity (ytd only)3.7381%3,529
Net charge-offs to loans0.0406%2,278
Credit loss provision to net charge-offs65.2778%2,667
Earnings coverage of net charge-offs (x)33.3464%1,531
Efficiency ratio68.9593%2,264
Assets per employee ($millions)7.7231%762
Cash dividends to net income (ytd only)*69.9596%956
Condition Ratios (%)
Loss allowance to loans0.9186%3,969
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0300%4,583
Noncurrent loans to loans0.0000%4,706
Net loans and leases to total assets67.7383%2,825
Net loans and leases to deposits85.6429%2,241
Net loans and leases to core deposits98.2798%1,802
Total domestic deposits to total assets79.0939%4,172
Equity capital to assets8.9234%4,816
Core capital (leverage) ratio8.9536%4,670
Tier 1 risk-based capital ratio11.6987%4,572
Total risk-based capital ratio12.5476%4,667
Memoranda:
Average total assets$330,437,7501,988
Average earning assets$308,337,7501,987
Average equity$29,176,2502,454
Average total loans$236,283,5001,923
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1942%3,943
Cost of funding earning assets1.2230%932
Net interest margin2.9712%4,731
Noninterest income to average assets0.3006%3,921
Noninterest expense to average assets2.1441%4,339
Loan and lease loss provision to assets0.0171%3,448
Net operating income to assets0.8905%3,322
Return on assets (ROA)1.0174%2,935
Pretax return on assets1.0492%3,390
Return on Equity (ROE)11.5649%1,756
Retained earnings to average equity (ytd only)2.5908%3,896
Net charge-offs to loans0.0606%1,775
Credit loss provision to net charge-offs38.8889%2,548
Earnings coverage of net charge-offs (x)21.2639%1,735
Efficiency ratio69.6230%2,287
Assets per employee ($millions)7.8905%701
Cash dividends to net income (ytd only)*77.5976%884
Condition Ratios (%)
Loss allowance to loans0.9081%4,055
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0624%4,441
Noncurrent loans to loans0.0000%4,745
Net loans and leases to total assets71.3048%2,323
Net loans and leases to deposits88.6225%1,922
Net loans and leases to core deposits102.5623%1,514
Total domestic deposits to total assets80.4591%3,948
Equity capital to assets9.1635%4,688
Core capital (leverage) ratio8.8052%4,781
Tier 1 risk-based capital ratio11.7821%4,529
Total risk-based capital ratio12.6424%4,633
Memoranda:
Average total assets$327,312,0002,012
Average earning assets$306,137,3302,002
Average equity$28,794,0002,463
Average total loans$237,605,0001,924
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1643%3,966
Cost of funding earning assets1.2123%871
Net interest margin2.9520%4,818
Noninterest income to average assets0.2637%4,121
Noninterest expense to average assets2.1190%4,431
Loan and lease loss provision to assets0.0340%2,949
Net operating income to assets0.8559%3,424
Return on assets (ROA)1.0012%2,874
Pretax return on assets1.0194%3,385
Return on Equity (ROE)11.6185%1,683
Retained earnings to average equity (ytd only)3.6519%3,460
Net charge-offs to loans0.0267%1,919
Credit loss provision to net charge-offs175.0000%1,135
Earnings coverage of net charge-offs (x)46.5625%1,070
Efficiency ratio70.0683%2,326
Assets per employee ($millions)8.0873%655
Cash dividends to net income (ytd only)*68.5680%1,145
Condition Ratios (%)
Loss allowance to loans0.9034%4,140
Loan loss allowance to noncurrent loans2,411.1111%281
Noncurrent assets plus other real estate owned to assets0.0271%4,714
Noncurrent loans to loans0.0375%4,600
Net loans and leases to total assets71.7849%2,202
Net loans and leases to deposits87.5020%1,936
Net loans and leases to core deposits102.4363%1,417
Total domestic deposits to total assets82.0380%3,714
Equity capital to assets8.7041%4,878
Core capital (leverage) ratio8.8024%4,792
Tier 1 risk-based capital ratio11.3826%4,790
Total risk-based capital ratio12.2394%4,885
Memoranda:
Average total assets$329,212,5002,025
Average earning assets$307,856,0002,012
Average equity$28,368,5002,495
Average total loans$240,011,0001,914
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0300%3,944
Cost of funding earning assets0.9296%999
Net interest margin3.1004%4,649
Noninterest income to average assets0.3324%3,884
Noninterest expense to average assets2.1283%4,500
Loan and lease loss provision to assets0.0408%3,376
Net operating income to assets1.0229%2,916
Return on assets (ROA)1.0572%2,758
Pretax return on assets1.1075%3,236
Return on Equity (ROE)12.3507%1,598
Retained earnings to average equity (ytd only)4.7480%2,917
Net charge-offs to loans0.0060%3,489
Credit loss provision to net charge-offs921.4286%395
Earnings coverage of net charge-offs (x)251.0000%379
Efficiency ratio65.6769%2,918
Assets per employee ($millions)7.9719%661
Cash dividends to net income (ytd only)*61.5569%1,432
Condition Ratios (%)
Loss allowance to loans0.8998%4,161
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%4,937
Noncurrent loans to loans0.0000%4,837
Net loans and leases to total assets72.7163%2,144
Net loans and leases to deposits88.5685%1,983
Net loans and leases to core deposits102.7309%1,523
Total domestic deposits to total assets82.1017%3,618
Equity capital to assets8.5288%4,913
Core capital (leverage) ratio8.8020%4,809
Tier 1 risk-based capital ratio11.2126%4,859
Total risk-based capital ratio12.0617%4,950
Memoranda:
Average total assets$315,929,0002,063
Average earning assets$296,350,8002,040
Average equity$27,043,0002,511
Average total loans$233,331,8001,921
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9703%4,021
Cost of funding earning assets0.8593%1,075
Net interest margin3.1110%4,684
Noninterest income to average assets0.3427%3,853
Noninterest expense to average assets2.1332%4,481
Loan and lease loss provision to assets0.0328%3,361
Net operating income to assets1.0516%2,862
Return on assets (ROA)1.0860%2,738
Pretax return on assets1.1362%3,258
Return on Equity (ROE)12.6748%1,551
Retained earnings to average equity (ytd only)4.4468%3,529
Net charge-offs to loans0.0081%3,126
Credit loss provision to net charge-offs550.0000%642
Earnings coverage of net charge-offs (x)190.1039%454
Efficiency ratio65.3069%2,982
Assets per employee ($millions)7.5446%756
Cash dividends to net income (ytd only)*64.9155%1,016
Condition Ratios (%)
Loss allowance to loans0.9031%4,251
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 assets72.9274%2,180
Net loans and leases to deposits91.2771%1,721
Net loans and leases to core deposits98.2797%1,916
Total domestic deposits to total assets79.8967%4,143
Equity capital to assets8.4431%4,961
Core capital (leverage) ratio8.8531%4,846
Tier 1 risk-based capital ratio11.4574%4,816
Total risk-based capital ratio12.3161%4,905
Memoranda:
Average total assets$313,199,5002,088
Average earning assets$294,346,2502,064
Average equity$26,834,7502,531
Average total loans$231,707,5001,940
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9144%4,033
Cost of funding earning assets0.7987%1,135
Net interest margin3.1157%4,701
Noninterest income to average assets0.3526%3,805
Noninterest expense to average assets2.1316%4,538
Loan and lease loss provision to assets0.0397%3,110
Net operating income to assets1.0619%2,746
Return on assets (ROA)1.1136%2,539
Pretax return on assets1.1636%3,083
Return on Equity (ROE)12.9329%1,395
Retained earnings to average equity (ytd only)4.8024%3,186
Net charge-offs to loans0.0164%2,592
Credit loss provision to net charge-offs326.3158%948
Earnings coverage of net charge-offs (x)94.3684%724
Efficiency ratio64.9668%3,163
Assets per employee ($millions)7.4073%788
Cash dividends to net income (ytd only)*62.8670%1,223
Condition Ratios (%)
Loss allowance to loans0.8994%4,345
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 assets73.8821%1,961
Net loans and leases to deposits94.5306%1,299
Net loans and leases to core deposits101.6950%1,584
Total domestic deposits to total assets78.1568%4,561
Equity capital to assets8.6269%4,858
Core capital (leverage) ratio8.9461%4,730
Tier 1 risk-based capital ratio11.3086%4,895
Total risk-based capital ratio12.1560%4,994
Memoranda:
Average total assets$311,974,6702,111
Average earning assets$293,224,3302,081
Average equity$26,861,6702,542
Average total loans$231,212,0001,949
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8261%4,142
Cost of funding earning assets0.7454%1,210
Net interest margin3.0807%4,742
Noninterest income to average assets0.2599%4,436
Noninterest expense to average assets2.0947%4,667
Loan and lease loss provision to assets0.0627%2,520
Net operating income to assets0.9641%3,012
Return on assets (ROA)0.9641%3,034
Pretax return on assets1.0025%3,524
Return on Equity (ROE)11.2083%1,881
Retained earnings to average equity (ytd only)7.3382%2,125
Net charge-offs to loans0.0000%2,722
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.2885%3,107
Assets per employee ($millions)7.6400%725
Cash dividends to net income (ytd only)*34.5286%2,011
Condition Ratios (%)
Loss allowance to loans0.8993%4,453
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 assets73.5974%1,927
Net loans and leases to deposits92.9218%1,344
Net loans and leases to core deposits100.0973%1,680
Total domestic deposits to total assets79.2036%4,547
Equity capital to assets8.5560%4,934
Core capital (leverage) ratio8.9312%4,760
Tier 1 risk-based capital ratio11.1720%5,042
Total risk-based capital ratio12.0161%5,152
Memoranda:
Average total assets$312,408,0002,132
Average earning assets$294,086,0002,101
Average equity$26,873,0002,563
Average total loans$230,848,5001,959
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7904%4,082
Cost of funding earning assets0.5932%1,649
Net interest margin3.1972%4,453
Noninterest income to average assets0.2233%4,812
Noninterest expense to average assets2.1941%4,542
Loan and lease loss provision to assets0.0057%4,148
Net operating income to assets0.9699%2,364
Return on assets (ROA)1.0427%2,113
Pretax return on assets1.0888%3,232
Return on Equity (ROE)11.2330%1,401
Retained earnings to average equity (ytd only)-1.2953%5,211
Net charge-offs to loans0.0133%3,622
Credit loss provision to net charge-offs56.6667%3,255
Earnings coverage of net charge-offs (x)100.8333%642
Efficiency ratio68.2914%2,834
Assets per employee ($millions)7.5994%738
Cash dividends to net income (ytd only)*111.5310%247
Condition Ratios (%)
Loss allowance to loans0.8919%4,512
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1062%4,602
Noncurrent loans to loans0.0000%5,081
Net loans and leases to total assets72.8636%2,109
Net loans and leases to deposits92.5718%1,436
Net loans and leases to core deposits100.0229%1,715
Total domestic deposits to total assets78.7104%4,606
Equity capital to assets8.6480%4,993
Core capital (leverage) ratio8.8971%4,758
Tier 1 risk-based capital ratio11.1352%5,070
Total risk-based capital ratio11.9719%5,181
Memoranda:
Average total assets$296,929,8002,180
Average earning assets$277,646,2002,171
Average equity$27,561,6002,516
Average total loans$224,759,8001,968
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7814%4,065
Cost of funding earning assets0.5705%1,736
Net interest margin3.2110%4,428
Noninterest income to average assets0.1941%5,045
Noninterest expense to average assets2.1995%4,523
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.9497%2,780
Return on assets (ROA)1.0479%2,380
Pretax return on assets1.0961%3,318
Return on Equity (ROE)11.0885%1,662
Retained earnings to average equity (ytd only)1.6067%4,783
Net charge-offs to loans0.0179%3,140
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)72.8648%867
Efficiency ratio68.8781%2,729
Assets per employee ($millions)7.3154%822
Cash dividends to net income (ytd only)*85.5095%518
Condition Ratios (%)
Loss allowance to loans0.8891%4,613
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.4044%3,414
Noncurrent loans to loans0.0000%5,172
Net loans and leases to total assets75.3026%1,708
Net loans and leases to deposits94.4727%1,247
Net loans and leases to core deposits100.1583%1,692
Total domestic deposits to total assets79.7083%4,391
Equity capital to assets9.3385%4,609
Core capital (leverage) ratio9.3908%4,304
Tier 1 risk-based capital ratio11.5888%4,892
Total risk-based capital ratio12.4310%5,040
Memoranda:
Average total assets$293,268,7502,221
Average earning assets$273,929,2502,204
Average equity$27,715,7502,521
Average total loans$223,683,0001,980
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7589%4,039
Cost of funding earning assets0.5486%1,787
Net interest margin3.2103%4,389
Noninterest income to average assets0.2962%4,420
Noninterest expense to average assets2.1969%4,566
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.0465%2,221
Return on assets (ROA)1.1448%1,854
Pretax return on assets1.1977%2,781
Return on Equity (ROE)12.0646%1,280
Retained earnings to average equity (ytd only)1.1804%4,770
Net charge-offs to loans0.0270%2,676
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)53.1333%1,029
Efficiency ratio66.7293%3,223
Assets per employee ($millions)7.2586%825
Cash dividends to net income (ytd only)*90.2161%616
Condition Ratios (%)
Loss allowance to loans0.9210%4,552
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5198%3,031
Noncurrent loans to loans0.0000%5,209
Net loans and leases to total assets73.2382%1,997
Net loans and leases to deposits90.4864%1,668
Net loans and leases to core deposits100.1411%1,640
Total domestic deposits to total assets80.9384%4,195
Equity capital to assets9.3974%4,515
Core capital (leverage) ratio9.3722%4,262
Tier 1 risk-based capital ratio12.0510%4,606
Total risk-based capital ratio12.9322%4,733
Memoranda:
Average total assets$291,048,3302,241
Average earning assets$271,625,0002,225
Average equity$27,618,0002,526
Average total loans$222,283,6701,992
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7310%3,997
Cost of funding earning assets0.5249%1,902
Net interest margin3.2061%4,323
Noninterest income to average assets0.3239%4,229
Noninterest expense to average assets2.2740%4,475
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.9995%2,308
Return on assets (ROA)1.0800%1,994
Pretax return on assets1.1315%2,854
Return on Equity (ROE)11.3251%1,456
Retained earnings to average equity (ytd only)1.5013%4,501
Net charge-offs to loans0.0609%1,719
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)22.1471%1,428
Efficiency ratio68.4805%3,125
Assets per employee ($millions)7.2775%828
Cash dividends to net income (ytd only)*86.7439%863
Condition Ratios (%)
Loss allowance to loans0.8978%4,760
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5610%2,987
Noncurrent loans to loans0.0000%5,285
Net loans and leases to total assets76.6702%1,308
Net loans and leases to deposits95.9981%935
Net loans and leases to core deposits106.5159%1,065
Total domestic deposits to total assets79.8664%4,647
Equity capital to assets9.4696%4,309
Core capital (leverage) ratio9.5072%4,119
Tier 1 risk-based capital ratio11.9072%4,779
Total risk-based capital ratio12.7785%4,916
Memoranda:
Average total assets$287,771,0002,272
Average earning assets$268,991,0002,255
Average equity$27,443,5002,549
Average total loans$223,433,0001,998
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8115%3,866
Cost of funding earning assets0.4672%2,380
Net interest margin3.3443%4,013
Noninterest income to average assets0.4131%3,790
Noninterest expense to average assets2.2939%4,576
Loan and lease loss provision to assets0.0591%3,207
Net operating income to assets1.1525%1,687
Return on assets (ROA)1.3008%1,285
Pretax return on assets1.3640%2,054
Return on Equity (ROE)13.5737%853
Retained earnings to average equity (ytd only)4.8975%2,409
Net charge-offs to loans0.0023%4,196
Credit loss provision to net charge-offs3,360.0000%130
Earnings coverage of net charge-offs (x)720.8000%108
Efficiency ratio64.4190%3,862
Assets per employee ($millions)6.9376%947
Cash dividends to net income (ytd only)*63.9189%1,594
Condition Ratios (%)
Loss allowance to loans0.9276%4,663
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5741%3,008
Noncurrent loans to loans0.0000%5,326
Net loans and leases to total assets77.2041%1,330
Net loans and leases to deposits93.0438%1,293
Net loans and leases to core deposits103.0710%1,351
Total domestic deposits to total assets82.9761%3,777
Equity capital to assets9.6051%4,162
Core capital (leverage) ratio9.4620%4,135
Tier 1 risk-based capital ratio12.1013%4,658
Total risk-based capital ratio13.0051%4,793
Memoranda:
Average total assets$284,448,4002,253
Average earning assets$267,741,6002,234
Average equity$27,258,6002,551
Average total loans$220,186,4001,973
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7750%4,000
Cost of funding earning assets0.4661%2,411
Net interest margin3.3089%4,159
Noninterest income to average assets0.4223%3,752
Noninterest expense to average assets2.2583%4,628
Loan and lease loss provision to assets0.0637%2,962
Net operating income to assets1.1659%1,744
Return on assets (ROA)1.3748%1,185
Pretax return on assets1.4413%1,912
Return on Equity (ROE)14.3544%763
Retained earnings to average equity (ytd only)6.9545%1,650
Net charge-offs to loans0.0030%3,829
Credit loss provision to net charge-offs2,720.0000%181
Earnings coverage of net charge-offs (x)548.1124%164
Efficiency ratio63.7302%3,963
Assets per employee ($millions)7.0289%883
Cash dividends to net income (ytd only)*51.5513%1,804
Condition Ratios (%)
Loss allowance to loans0.8916%4,901
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6281%3,026
Noncurrent loans to loans0.0000%5,428
Net loans and leases to total assets78.1100%1,174
Net loans and leases to deposits97.4953%900
Net loans and leases to core deposits108.9064%992
Total domestic deposits to total assets80.1167%4,488
Equity capital to assets9.7250%4,444
Core capital (leverage) ratio9.6693%3,972
Tier 1 risk-based capital ratio12.0591%4,756
Total risk-based capital ratio12.9428%4,884
Memoranda:
Average total assets$284,450,0002,262
Average earning assets$268,317,7502,228
Average equity$27,243,0002,572
Average total loans$219,818,7501,982
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7795%4,026
Cost of funding earning assets0.4663%2,417
Net interest margin3.3132%4,183
Noninterest income to average assets0.4054%3,836
Noninterest expense to average assets2.2351%4,766
Loan and lease loss provision to assets0.0459%3,230
Net operating income to assets1.1937%1,628
Return on assets (ROA)1.2238%1,615
Pretax return on assets1.2825%2,476
Return on Equity (ROE)12.8456%1,068
Retained earnings to average equity (ytd only)5.9447%2,146
Net charge-offs to loans0.0046%3,546
Credit loss provision to net charge-offs1,300.0000%301
Earnings coverage of net charge-offs (x)367.2000%189
Efficiency ratio63.2873%4,140
Assets per employee ($millions)7.1017%839
Cash dividends to net income (ytd only)*53.7219%1,798
Condition Ratios (%)
Loss allowance to loans0.8933%4,974
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6812%2,951
Noncurrent loans to loans0.0000%5,521
Net loans and leases to total assets76.2795%1,446
Net loans and leases to deposits92.6895%1,433
Net loans and leases to core deposits105.4352%1,225
Total domestic deposits to total assets82.2957%3,911
Equity capital to assets9.7171%4,544
Core capital (leverage) ratio9.3950%4,342
Tier 1 risk-based capital ratio12.0858%4,772
Total risk-based capital ratio12.9596%4,922
Memoranda:
Average total assets$283,204,6702,280
Average earning assets$267,230,6702,251
Average equity$26,982,0002,593
Average total loans$217,382,6702,002
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7732%4,051
Cost of funding earning assets0.4572%2,499
Net interest margin3.3160%4,161
Noninterest income to average assets0.3961%3,858
Noninterest expense to average assets2.2011%4,903
Loan and lease loss provision to assets0.0693%2,568
Net operating income to assets1.2015%1,553
Return on assets (ROA)1.2491%1,509
Pretax return on assets1.3042%2,283
Return on Equity (ROE)13.2426%983
Retained earnings to average equity (ytd only)11.3229%598
Net charge-offs to loans-0.0148%4,706
Credit loss provision to net charge-offs-612.5000%4,618
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.4398%4,380
Assets per employee ($millions)7.1017%854
Cash dividends to net income (ytd only)*14.4960%2,644
Condition Ratios (%)
Loss allowance to loans0.8860%5,104
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6368%3,148
Noncurrent loans to loans0.0000%5,543
Net loans and leases to total assets76.7960%1,277
Net loans and leases to deposits93.7450%1,171
Net loans and leases to core deposits108.0153%970
Total domestic deposits to total assets81.9201%4,252
Equity capital to assets9.6027%4,563
Core capital (leverage) ratio9.5248%4,145
Tier 1 risk-based capital ratio12.0395%4,891
Total risk-based capital ratio12.9102%5,043
Memoranda:
Average total assets$282,774,0002,293
Average earning assets$266,826,0002,259
Average equity$26,671,5002,617
Average total loans$216,755,5002,011
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7387%4,236
Cost of funding earning assets0.4672%2,461
Net interest margin3.2715%4,408
Noninterest income to average assets0.4048%3,999
Noninterest expense to average assets2.2972%4,798
Loan and lease loss provision to assets0.1443%1,642
Net operating income to assets1.0025%2,348
Return on assets (ROA)1.0382%2,264
Pretax return on assets1.0849%3,131
Return on Equity (ROE)10.7453%1,709
Retained earnings to average equity (ytd only)1.3103%4,974
Net charge-offs to loans0.2312%1,286
Credit loss provision to net charge-offs84.3011%2,872
Earnings coverage of net charge-offs (x)6.9656%3,142
Efficiency ratio65.8369%3,929
Assets per employee ($millions)6.8654%934
Cash dividends to net income (ytd only)*87.8057%656
Condition Ratios (%)
Loss allowance to loans0.8870%5,127
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6430%3,126
Noncurrent loans to loans0.0000%5,583
Net loans and leases to total assets75.1440%1,544
Net loans and leases to deposits91.1943%1,490
Net loans and leases to core deposits102.1338%1,350
Total domestic deposits to total assets82.3999%4,049
Equity capital to assets9.2600%4,836
Core capital (leverage) ratio9.2650%4,525
Tier 1 risk-based capital ratio11.8450%5,046
Total risk-based capital ratio12.7014%5,184
Memoranda:
Average total assets$271,719,6002,328
Average earning assets$256,184,8002,295
Average equity$26,253,4002,605
Average total loans$201,132,4002,058
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7338%4,316
Cost of funding earning assets0.4757%2,446
Net interest margin3.2582%4,491
Noninterest income to average assets0.4397%3,799
Noninterest expense to average assets2.2974%4,786
Loan and lease loss provision to assets0.1589%1,350
Net operating income to assets1.0105%2,421
Return on assets (ROA)1.0556%2,288
Pretax return on assets1.1032%3,218
Return on Equity (ROE)10.8082%1,781
Retained earnings to average equity (ytd only)3.3205%4,109
Net charge-offs to loans0.3339%785
Credit loss provision to net charge-offs64.7177%2,849
Earnings coverage of net charge-offs (x)4.9476%3,273
Efficiency ratio65.4074%3,988
Assets per employee ($millions)6.6644%994
Cash dividends to net income (ytd only)*69.2774%1,060
Condition Ratios (%)
Loss allowance to loans0.8853%5,253
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6925%3,173
Noncurrent loans to loans0.0000%5,684
Net loans and leases to total assets75.2633%1,502
Net loans and leases to deposits92.4393%1,362
Net loans and leases to core deposits102.8360%1,316
Total domestic deposits to total assets81.4192%4,360
Equity capital to assets10.0062%4,140
Core capital (leverage) ratio9.6123%4,152
Tier 1 risk-based capital ratio12.7269%4,597
Total risk-based capital ratio13.5882%4,769
Memoranda:
Average total assets$269,279,2502,365
Average earning assets$253,958,7502,326
Average equity$26,300,5002,626
Average total loans$198,063,2502,087
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6586%4,547
Cost of funding earning assets0.4599%2,611
Net interest margin3.1987%4,667
Noninterest income to average assets0.4797%3,503
Noninterest expense to average assets2.2689%4,928
Loan and lease loss provision to assets0.1925%1,036
Net operating income to assets0.9912%2,432
Return on assets (ROA)1.0260%2,375
Pretax return on assets1.0719%3,291
Return on Equity (ROE)10.5899%1,819
Retained earnings to average equity (ytd only)4.8747%2,942
Net charge-offs to loans0.4842%519
Credit loss provision to net charge-offs54.6218%2,653
Earnings coverage of net charge-offs (x)3.4853%3,188
Efficiency ratio64.8815%4,209
Assets per employee ($millions)6.4612%1,072
Cash dividends to net income (ytd only)*53.9683%1,777
Condition Ratios (%)
Loss allowance to loans0.8605%5,436
Loan loss allowance to noncurrent loans7,959.0909%78
Noncurrent assets plus other real estate owned to assets0.6887%3,338
Noncurrent loans to loans0.0108%5,723
Net loans and leases to total assets74.3361%1,606
Net loans and leases to deposits92.6305%1,300
Net loans and leases to core deposits100.3053%1,468
Total domestic deposits to total assets80.2502%4,806
Equity capital to assets9.6411%4,483
Core capital (leverage) ratio9.8016%3,863
Tier 1 risk-based capital ratio12.2692%4,957
Total risk-based capital ratio13.0805%5,158
Memoranda:
Average total assets$270,180,3302,370
Average earning assets$254,854,6702,332
Average equity$26,176,0002,645
Average total loans$196,609,0002,114
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6265%4,608
Cost of funding earning assets0.4541%2,732
Net interest margin3.1724%4,703
Noninterest income to average assets0.4555%3,600
Noninterest expense to average assets2.2494%5,007
Loan and lease loss provision to assets0.1380%1,488
Net operating income to assets1.0179%2,179
Return on assets (ROA)1.0179%2,321
Pretax return on assets1.0639%3,244
Return on Equity (ROE)10.4803%1,802
Retained earnings to average equity (ytd only)2.5360%4,420
Net charge-offs to loans0.8614%276
Credit loss provision to net charge-offs22.3558%2,340
Earnings coverage of net charge-offs (x)1.9471%2,844
Efficiency ratio65.1763%4,292
Assets per employee ($millions)6.6060%1,019
Cash dividends to net income (ytd only)*75.8017%1,053
Condition Ratios (%)
Loss allowance to loans0.8408%5,595
Loan loss allowance to noncurrent loans1,934.1176%312
Noncurrent assets plus other real estate owned to assets0.7550%3,224
Noncurrent loans to loans0.0435%5,608
Net loans and leases to total assets71.5819%1,879
Net loans and leases to deposits89.0054%1,505
Net loans and leases to core deposits96.6509%1,576
Total domestic deposits to total assets80.4242%4,951
Equity capital to assets9.7694%4,414
Core capital (leverage) ratio9.7303%3,979
Tier 1 risk-based capital ratio12.3846%4,983
Total risk-based capital ratio13.1674%5,188
Memoranda:
Average total assets$269,585,5002,390
Average earning assets$254,572,0002,350
Average equity$26,182,5002,660
Average total loans$193,175,0002,146
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7707%4,577
Cost of funding earning assets0.5185%2,503
Net interest margin3.2522%4,745
Noninterest income to average assets0.7837%1,938
Noninterest expense to average assets2.4100%4,819
Loan and lease loss provision to assets0.1084%2,350
Net operating income to assets1.2589%1,407
Return on assets (ROA)1.1996%1,647
Pretax return on assets1.2555%2,414
Return on Equity (ROE)12.5760%1,242
Retained earnings to average equity (ytd only)1.9578%4,817
Net charge-offs to loans0.0000%4,970
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.8307%4,778
Assets per employee ($millions)6.3887%1,126
Cash dividends to net income (ytd only)*84.4323%753
Condition Ratios (%)
Loss allowance to loans1.0308%4,903
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5180%4,068
Noncurrent loans to loans0.0000%5,950
Net loans and leases to total assets70.3857%2,173
Net loans and leases to deposits92.8452%1,200
Net loans and leases to core deposits102.1323%1,239
Total domestic deposits to total assets75.8096%5,759
Equity capital to assets9.6543%4,529
Core capital (leverage) ratio9.6477%4,037
Tier 1 risk-based capital ratio12.7552%4,883
Total risk-based capital ratio13.7273%4,966
Memoranda:
Average total assets$259,170,4002,439
Average earning assets$243,217,8002,401
Average equity$24,721,6002,693
Average total loans$179,428,2002,234
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7906%4,575
Cost of funding earning assets0.5210%2,562
Net interest margin3.2697%4,723
Noninterest income to average assets0.3415%4,709
Noninterest expense to average assets2.3844%4,876
Loan and lease loss provision to assets0.0602%3,156
Net operating income to assets0.9197%2,822
Return on assets (ROA)0.8943%3,036
Pretax return on assets0.9358%3,836
Return on Equity (ROE)9.4052%2,495
Retained earnings to average equity (ytd only)-4.2413%6,222
Net charge-offs to loans0.0000%4,696
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9878%3,507
Assets per employee ($millions)6.0678%1,285
Cash dividends to net income (ytd only)*145.0955%144
Condition Ratios (%)
Loss allowance to loans0.9999%5,221
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.5327%4,272
Noncurrent loans to loans0.0000%6,061
Net loans and leases to total assets68.3789%2,471
Net loans and leases to deposits89.0154%1,552
Net loans and leases to core deposits97.9000%1,530
Total domestic deposits to total assets76.8169%5,704
Equity capital to assets9.4844%4,809
Core capital (leverage) ratio9.4295%4,468
Tier 1 risk-based capital ratio12.4501%5,196
Total risk-based capital ratio13.3638%5,336
Memoranda:
Average total assets$256,881,5002,479
Average earning assets$240,834,2502,436
Average equity$24,425,7502,721
Average total loans$176,577,7502,274
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8187%4,452
Cost of funding earning assets0.5220%2,618
Net interest margin3.2967%4,602
Noninterest income to average assets0.3162%4,878
Noninterest expense to average assets2.3863%4,919
Loan and lease loss provision to assets0.0548%3,202
Net operating income to assets0.9173%2,719
Return on assets (ROA)0.8789%2,998
Pretax return on assets0.9196%3,810
Return on Equity (ROE)9.2356%2,484
Retained earnings to average equity (ytd only)-11.3245%6,448
Net charge-offs to loans0.0000%4,375
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.1726%3,628
Assets per employee ($millions)5.7355%1,488
Cash dividends to net income (ytd only)*222.6180%103
Condition Ratios (%)
Loss allowance to loans0.9872%5,404
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6091%4,145
Noncurrent loans to loans0.0000%6,120
Net loans and leases to total assets68.2382%2,377
Net loans and leases to deposits88.5947%1,525
Net loans and leases to core deposits100.8613%1,212
Total domestic deposits to total assets77.0229%5,798
Equity capital to assets9.3543%4,915
Core capital (leverage) ratio9.3107%4,571
Tier 1 risk-based capital ratio12.4661%5,247
Total risk-based capital ratio13.3810%5,384
Memoranda:
Average total assets$255,537,3302,495
Average earning assets$239,086,6702,455
Average equity$24,319,0002,727
Average total loans$175,366,3302,288
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8258%4,381
Cost of funding earning assets0.5009%2,900
Net interest margin3.3249%4,441
Noninterest income to average assets0.2926%5,034
Noninterest expense to average assets2.3913%4,954
Loan and lease loss provision to assets0.1101%2,101
Net operating income to assets0.8636%2,832
Return on assets (ROA)0.7866%3,297
Pretax return on assets0.8228%4,013
Return on Equity (ROE)8.1944%2,843
Retained earnings to average equity (ytd only)-32.7775%6,629
Net charge-offs to loans0.0000%3,660
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.2403%3,794
Assets per employee ($millions)5.6507%1,577
Cash dividends to net income (ytd only)*500.0000%50
Condition Ratios (%)
Loss allowance to loans0.9817%5,595
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6044%4,329
Noncurrent loans to loans0.0000%6,210
Net loans and leases to total assets68.1410%2,198
Net loans and leases to deposits88.5599%1,301
Net loans and leases to core deposits101.2450%1,019
Total domestic deposits to total assets76.9434%5,974
Equity capital to assets9.0382%5,073
Core capital (leverage) ratio9.2768%4,608
Tier 1 risk-based capital ratio12.0905%5,575
Total risk-based capital ratio13.0017%5,721
Memoranda:
Average total assets$254,258,0002,512
Average earning assets$237,963,5002,470
Average equity$24,407,0002,707
Average total loans$174,111,5002,294
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9654%4,216
Cost of funding earning assets0.6222%2,460
Net interest margin3.3432%4,508
Noninterest income to average assets0.3192%5,052
Noninterest expense to average assets2.7713%3,829
Loan and lease loss provision to assets0.1131%2,925
Net operating income to assets0.5295%4,600
Return on assets (ROA)0.1290%6,043
Pretax return on assets0.1343%6,037
Return on Equity (ROE)1.2239%6,041
Retained earnings to average equity (ytd only)-5.3603%6,389
Net charge-offs to loans0.0395%4,673
Credit loss provision to net charge-offs432.8125%526
Earnings coverage of net charge-offs (x)25.4375%1,327
Efficiency ratio80.6582%2,062
Assets per employee ($millions)5.6497%1,515
Cash dividends to net income (ytd only)*537.9747%14
Condition Ratios (%)
Loss allowance to loans0.9956%5,596
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6320%4,337
Noncurrent loans to loans0.0000%6,319
Net loans and leases to total assets67.4463%2,446
Net loans and leases to deposits89.5171%1,280
Net loans and leases to core deposits96.7768%1,399
Total domestic deposits to total assets75.3445%6,158
Equity capital to assets10.1860%3,525
Core capital (leverage) ratio10.3549%3,082
Tier 1 risk-based capital ratio13.6390%4,559
Total risk-based capital ratio14.5492%4,728
Memoranda:
Average total assets$244,979,0002,577
Average earning assets$228,375,2002,529
Average equity$25,819,6002,562
Average total loans$161,879,0002,396
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9858%4,184
Cost of funding earning assets0.6543%2,328
Net interest margin3.3315%4,526
Noninterest income to average assets0.3196%5,134
Noninterest expense to average assets2.8105%3,626
Loan and lease loss provision to assets0.1136%2,871
Net operating income to assets0.4797%4,890
Return on assets (ROA)0.2988%5,734
Pretax return on assets0.3108%5,845
Return on Equity (ROE)2.8111%5,672
Retained earnings to average equity (ytd only)-5.9254%6,535
Net charge-offs to loans0.0533%4,142
Credit loss provision to net charge-offs325.0000%790
Earnings coverage of net charge-offs (x)17.5315%1,730
Efficiency ratio82.0967%1,812
Assets per employee ($millions)4.8861%2,326
Cash dividends to net income (ytd only)*310.7840%31
Condition Ratios (%)
Loss allowance to loans0.9970%5,732
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.6562%4,470
Noncurrent loans to loans0.0000%6,405
Net loans and leases to total assets67.0658%2,445
Net loans and leases to deposits89.9782%1,165
Net loans and leases to core deposits97.1896%1,297
Total domestic deposits to total assets74.5356%6,330
Equity capital to assets10.4947%3,281
Core capital (leverage) ratio10.5571%2,945
Tier 1 risk-based capital ratio13.5030%4,756
Total risk-based capital ratio14.3589%4,999
Memoranda:
Average total assets$244,077,2502,598
Average earning assets$227,401,2502,551
Average equity$25,944,2502,583
Average total loans$160,011,7502,442
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0164%4,041
Cost of funding earning assets0.6982%2,073
Net interest margin3.3181%4,496
Noninterest income to average assets0.5586%3,447
Noninterest expense to average assets2.7757%3,760
Loan and lease loss provision to assets0.1531%2,404
Net operating income to assets0.6931%3,838
Return on assets (ROA)0.5415%4,766
Pretax return on assets0.5634%5,156
Return on Equity (ROE)5.0730%4,683
Retained earnings to average equity (ytd only)5.0730%3,003
Net charge-offs to loans0.0804%3,570
Credit loss provision to net charge-offs293.7500%882
Earnings coverage of net charge-offs (x)16.7813%1,641
Efficiency ratio76.0428%2,780
Assets per employee ($millions)4.4416%2,910
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.9961%5,840
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.7859%4,258
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets66.1794%2,557
Net loans and leases to deposits87.5389%1,400
Net loans and leases to core deposits94.5446%1,473
Total domestic deposits to total assets75.6000%6,295
Equity capital to assets11.3209%2,440
Core capital (leverage) ratio11.2223%2,152
Tier 1 risk-based capital ratio14.4691%4,123
Total risk-based capital ratio15.3143%4,338
Memoranda:
Average total assets$245,630,6702,592
Average earning assets$228,863,0002,550
Average equity$26,217,0002,568
Average total loans$159,287,6702,453
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0388%3,956
Cost of funding earning assets0.7277%2,005
Net interest margin3.3111%4,480
Noninterest income to average assets0.5859%3,212
Noninterest expense to average assets2.7169%3,992
Loan and lease loss provision to assets0.2398%1,514
Net operating income to assets0.6913%3,736
Return on assets (ROA)0.6341%4,215
Pretax return on assets0.6599%4,756
Return on Equity (ROE)6.1206%3,973
Retained earnings to average equity (ytd only)6.1206%2,612
Net charge-offs to loans0.1612%2,436
Credit loss provision to net charge-offs232.8125%981
Earnings coverage of net charge-offs (x)9.3125%1,850
Efficiency ratio73.9054%3,283
Assets per employee ($millions)4.6208%2,773
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9825%6,045
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.7697%4,452
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets64.1141%2,681
Net loans and leases to deposits84.7697%1,503
Net loans and leases to core deposits91.3836%1,571
Total domestic deposits to total assets75.6333%6,398
Equity capital to assets10.9410%3,030
Core capital (leverage) ratio11.0365%2,230
Tier 1 risk-based capital ratio13.6168%4,780
Total risk-based capital ratio14.4007%5,058
Memoranda:
Average total assets$248,522,0002,596
Average earning assets$231,950,5002,555
Average equity$25,749,0002,635
Average total loans$158,768,0002,466
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4711%3,518
Cost of funding earning assets0.9109%1,877
Net interest margin3.5602%4,265
Noninterest income to average assets0.4355%4,358
Noninterest expense to average assets2.8998%3,643
Loan and lease loss provision to assets0.3335%2,032
Net operating income to assets0.4751%4,780
Return on assets (ROA)0.3110%5,635
Pretax return on assets0.3269%5,771
Return on Equity (ROE)3.3355%5,412
Retained earnings to average equity (ytd only)3.3355%3,875
Net charge-offs to loans1.2885%756
Credit loss provision to net charge-offs41.5818%4,906
Earnings coverage of net charge-offs (x)1.0388%4,952
Efficiency ratio77.6793%2,498
Assets per employee ($millions)4.5844%2,813
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.9266%6,205
Loan loss allowance to noncurrent loans3,006.1224%209
Noncurrent assets plus other real estate owned to assets0.7670%4,546
Noncurrent loans to loans0.0308%6,434
Net loans and leases to total assets62.4601%3,172
Net loans and leases to deposits79.9361%2,293
Net loans and leases to core deposits85.9040%2,322
Total domestic deposits to total assets78.1375%6,060
Equity capital to assets9.7973%4,450
Core capital (leverage) ratio10.5120%2,751
Tier 1 risk-based capital ratio13.2320%4,939
Total risk-based capital ratio13.9654%5,254
Memoranda:
Average total assets$256,950,8002,469
Average earning assets$237,994,2002,434
Average equity$23,954,6002,748
Average total loans$159,953,0002,432
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5460%3,442
Cost of funding earning assets0.9332%1,962
Net interest margin3.6128%4,180
Noninterest income to average assets0.3615%4,931
Noninterest expense to average assets2.8427%3,833
Loan and lease loss provision to assets0.3166%2,086
Net operating income to assets0.5241%4,738
Return on assets (ROA)0.4354%5,331
Pretax return on assets0.4529%5,589
Return on Equity (ROE)4.7290%4,957
Retained earnings to average equity (ytd only)4.7290%3,576
Net charge-offs to loans1.6720%494
Credit loss provision to net charge-offs30.5127%4,793
Earnings coverage of net charge-offs (x)0.8308%4,914
Efficiency ratio76.7322%2,556
Assets per employee ($millions)4.4150%3,055
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.8180%6,563
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.7990%4,709
Noncurrent loans to loans0.0000%6,696
Net loans and leases to total assets60.7067%3,631
Net loans and leases to deposits79.3761%2,486
Net loans and leases to core deposits89.1107%2,094
Total domestic deposits to total assets76.4798%6,319
Equity capital to assets9.6939%4,931
Core capital (leverage) ratio10.5914%2,808
Tier 1 risk-based capital ratio13.1680%5,117
Total risk-based capital ratio13.8021%5,564
Memoranda:
Average total assets$258,153,5002,478
Average earning assets$238,883,0002,450
Average equity$23,767,5002,796
Average total loans$160,201,2502,452
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6592%3,099
Cost of funding earning assets0.9582%2,008
Net interest margin3.7010%3,814
Noninterest income to average assets0.0502%6,857
Noninterest expense to average assets2.8526%3,818
Loan and lease loss provision to assets0.4365%1,484
Net operating income to assets0.1626%6,016
Return on assets (ROA)0.1151%6,286
Pretax return on assets0.1198%6,288
Return on Equity (ROE)1.2727%6,245
Retained earnings to average equity (ytd only)1.2727%5,562
Net charge-offs to loans0.5020%2,079
Credit loss provision to net charge-offs139.5062%1,977
Earnings coverage of net charge-offs (x)1.9358%4,013
Efficiency ratio82.4844%1,818
Assets per employee ($millions)4.2294%3,402
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.7991%2,860
Loan loss allowance to noncurrent loans103.0512%3,123
Noncurrent assets plus other real estate owned to assets1.9216%2,879
Noncurrent loans to loans1.7458%3,279
Net loans and leases to total assets62.0583%3,424
Net loans and leases to deposits82.3356%2,072
Net loans and leases to core deposits87.3018%2,279
Total domestic deposits to total assets75.3724%6,547
Equity capital to assets9.4657%5,110
Core capital (leverage) ratio10.1626%3,188
Tier 1 risk-based capital ratio12.6606%5,442
Total risk-based capital ratio13.9126%5,423
Memoranda:
Average total assets$258,848,3302,474
Average earning assets$238,366,3302,445
Average equity$23,415,6702,814
Average total loans$161,357,3302,446
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6980%3,065
Cost of funding earning assets0.9870%2,052
Net interest margin3.7109%3,779
Noninterest income to average assets0.4918%3,967
Noninterest expense to average assets2.8538%3,808
Loan and lease loss provision to assets0.1108%3,966
Net operating income to assets0.8864%2,986
Return on assets (ROA)0.7013%4,092
Pretax return on assets0.7302%4,691
Return on Equity (ROE)7.9267%3,315
Retained earnings to average equity (ytd only)7.9267%2,009
Net charge-offs to loans0.4731%1,906
Credit loss provision to net charge-offs37.8238%3,483
Earnings coverage of net charge-offs (x)3.5285%2,809
Efficiency ratio73.4088%3,191
Assets per employee ($millions)4.1252%3,739
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.5846%3,785
Loan loss allowance to noncurrent loans68.6711%4,087
Noncurrent assets plus other real estate owned to assets2.5003%2,367
Noncurrent loans to loans2.3075%2,799
Net loans and leases to total assets61.1318%3,422
Net loans and leases to deposits81.8275%1,957
Net loans and leases to core deposits88.0354%2,050
Total domestic deposits to total assets74.7081%6,680
Equity capital to assets9.0882%5,374
Core capital (leverage) ratio10.0551%3,305
Tier 1 risk-based capital ratio12.5243%5,584
Total risk-based capital ratio13.7476%5,569
Memoranda:
Average total assets$263,506,0002,443
Average earning assets$241,126,0002,439
Average equity$23,313,5002,818
Average total loans$163,189,5002,432
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9801%2,966
Cost of funding earning assets1.3837%1,107
Net interest margin3.5964%4,749
Noninterest income to average assets-0.6613%7,286
Noninterest expense to average assets2.6951%4,760
Loan and lease loss provision to assets0.0098%6,412
Net operating income to assets-0.0681%6,127
Return on assets (ROA)0.1535%5,863
Pretax return on assets0.1597%5,870
Return on Equity (ROE)1.7899%5,737
Retained earnings to average equity (ytd only)1.7899%4,938
Net charge-offs to loans0.1792%4,714
Credit loss provision to net charge-offs8.7948%6,019
Earnings coverage of net charge-offs (x)-0.5505%6,094
Efficiency ratio102.3288%611
Assets per employee ($millions)4.3085%3,231
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.6235%3,501
Loan loss allowance to noncurrent loans252.4034%1,310
Noncurrent assets plus other real estate owned to assets1.4012%3,890
Noncurrent loans to loans0.6432%5,421
Net loans and leases to total assets60.7466%3,841
Net loans and leases to deposits80.7687%2,396
Net loans and leases to core deposits90.2217%2,098
Total domestic deposits to total assets75.2106%6,575
Equity capital to assets8.6132%5,998
Core capital (leverage) ratio9.6714%3,774
Tier 1 risk-based capital ratio12.0463%5,807
Total risk-based capital ratio13.2968%5,785
Memoranda:
Average total assets$275,535,0002,300
Average earning assets$252,444,4002,286
Average equity$23,632,4002,713
Average total loans$171,277,8002,363
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9745%3,216
Cost of funding earning assets1.4464%1,035
Net interest margin3.5282%5,065
Noninterest income to average assets-0.0375%7,145
Noninterest expense to average assets2.6086%5,048
Loan and lease loss provision to assets0.0130%6,271
Net operating income to assets0.5581%4,281
Return on assets (ROA)0.4562%4,932
Pretax return on assets0.4750%5,243
Return on Equity (ROE)5.3246%4,387
Retained earnings to average equity (ytd only)5.3246%2,971
Net charge-offs to loans0.2052%4,158
Credit loss provision to net charge-offs10.1504%5,661
Earnings coverage of net charge-offs (x)4.6503%2,996
Efficiency ratio81.4515%2,048
Assets per employee ($millions)4.4287%3,035
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.6166%3,585
Loan loss allowance to noncurrent loans217.1725%1,443
Noncurrent assets plus other real estate owned to assets3.2139%1,982
Noncurrent loans to loans0.7444%5,389
Net loans and leases to total assets62.2736%3,651
Net loans and leases to deposits85.1344%1,814
Net loans and leases to core deposits100.1507%1,235
Total domestic deposits to total assets73.1474%6,841
Equity capital to assets9.2511%5,448
Core capital (leverage) ratio9.8170%3,687
Tier 1 risk-based capital ratio12.0069%5,889
Total risk-based capital ratio13.2469%5,885
Memoranda:
Average total assets$277,637,2502,296
Average earning assets$254,971,5002,282
Average equity$23,788,5002,696
Average total loans$172,860,2502,356
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9497%3,397
Cost of funding earning assets1.5012%1,001
Net interest margin3.4485%5,374
Noninterest income to average assets0.0980%6,836
Noninterest expense to average assets2.5653%5,309
Loan and lease loss provision to assets0.0192%6,047
Net operating income to assets0.6552%3,774
Return on assets (ROA)0.5788%4,290
Pretax return on assets0.6023%4,733
Return on Equity (ROE)6.9291%3,478
Retained earnings to average equity (ytd only)6.9291%1,910
Net charge-offs to loans0.0998%4,684
Credit loss provision to net charge-offs31.0345%4,972
Earnings coverage of net charge-offs (x)11.3448%1,725
Efficiency ratio78.5388%2,623
Assets per employee ($millions)4.8599%2,321
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.7256%3,242
Loan loss allowance to noncurrent loans231.2051%1,327
Noncurrent assets plus other real estate owned to assets3.2861%2,031
Noncurrent loans to loans0.7464%5,418
Net loans and leases to total assets59.5574%4,361
Net loans and leases to deposits82.9369%2,289
Net loans and leases to core deposits99.3221%1,403
Total domestic deposits to total assets71.8106%7,020
Equity capital to assets8.7280%5,908
Core capital (leverage) ratio9.5438%3,889
Tier 1 risk-based capital ratio11.9598%5,816
Total risk-based capital ratio13.2141%5,792
Memoranda:
Average total assets$281,609,3302,275
Average earning assets$258,723,3302,266
Average equity$23,524,0002,697
Average total loans$174,416,0002,359
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0143%3,040
Cost of funding earning assets1.5749%899
Net interest margin3.4394%5,265
Noninterest income to average assets0.3480%5,122
Noninterest expense to average assets2.5149%5,504
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.9572%2,323
Return on assets (ROA)0.9707%2,344
Pretax return on assets1.0102%3,094
Return on Equity (ROE)11.8808%1,492
Retained earnings to average equity (ytd only)11.8808%753
Net charge-offs to loans-0.0608%6,948
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.6292%3,937
Assets per employee ($millions)4.4339%3,004
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.7542%3,158
Loan loss allowance to noncurrent loans1,292.2078%313
Noncurrent assets plus other real estate owned to assets3.0773%2,240
Noncurrent loans to loans0.1358%6,704
Net loans and leases to total assets59.8489%4,293
Net loans and leases to deposits84.8771%1,901
Net loans and leases to core deposits105.4970%966
Total domestic deposits to total assets70.5125%7,156
Equity capital to assets8.3019%6,160
Core capital (leverage) ratio9.1666%4,346
Tier 1 risk-based capital ratio12.1477%5,553
Total risk-based capital ratio13.3994%5,547
Memoranda:
Average total assets$283,906,5002,274
Average earning assets$261,091,5002,260
Average equity$23,197,0002,727
Average total loans$177,684,0002,338
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1320%3,948
Cost of funding earning assets1.7996%1,173
Net interest margin3.3324%5,861
Noninterest income to average assets0.2612%5,926
Noninterest expense to average assets2.6167%5,348
Loan and lease loss provision to assets0.1248%5,914
Net operating income to assets0.6079%3,634
Return on assets (ROA)0.4098%4,632
Pretax return on assets0.4216%4,880
Return on Equity (ROE)5.0459%4,049
Retained earnings to average equity (ytd only)3.7510%3,242
Net charge-offs to loans0.7099%2,883
Credit loss provision to net charge-offs27.0389%6,514
Earnings coverage of net charge-offs (x)1.6260%4,519
Efficiency ratio77.7073%2,757
Assets per employee ($millions)4.5075%2,855
Cash dividends to net income (ytd only)*25.6623%3,229
Condition Ratios (%)
Loss allowance to loans1.5972%3,581
Loan loss allowance to noncurrent loans59,160.0000%6
Noncurrent assets plus other real estate owned to assets2.9098%2,409
Noncurrent loans to loans0.0027%7,167
Net loans and leases to total assets63.1750%4,033
Net loans and leases to deposits92.6687%1,177
Net loans and leases to core deposits116.9165%609
Total domestic deposits to total assets68.1730%7,316
Equity capital to assets8.0436%6,448
Core capital (leverage) ratio8.7912%4,872
Tier 1 risk-based capital ratio11.1603%6,208
Total risk-based capital ratio12.4111%6,182
Memoranda:
Average total assets$294,798,8002,181
Average earning assets$274,784,4002,152
Average equity$23,940,4002,662
Average total loans$191,715,8002,234
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1139%4,243
Cost of funding earning assets1.8446%1,239
Net interest margin3.2692%6,114
Noninterest income to average assets0.0454%7,295
Noninterest expense to average assets2.5359%5,582
Loan and lease loss provision to assets0.0972%6,050
Net operating income to assets0.4562%4,512
Return on assets (ROA)0.5295%4,358
Pretax return on assets0.5448%4,777
Return on Equity (ROE)6.5050%3,573
Retained earnings to average equity (ytd only)4.7917%3,134
Net charge-offs to loans0.6186%2,892
Credit loss provision to net charge-offs24.0803%6,211
Earnings coverage of net charge-offs (x)1.4036%4,681
Efficiency ratio81.7430%2,088
Assets per employee ($millions)4.6468%2,688
Cash dividends to net income (ytd only)*26.3380%2,696
Condition Ratios (%)
Loss allowance to loans1.7503%2,993
Loan loss allowance to noncurrent loans134.1263%2,110
Noncurrent assets plus other real estate owned to assets3.4547%2,058
Noncurrent loans to loans1.3049%4,684
Net loans and leases to total assets63.7138%4,178
Net loans and leases to deposits96.5450%922
Net loans and leases to core deposits141.3609%244
Total domestic deposits to total assets65.9939%7,470
Equity capital to assets8.3474%6,456
Core capital (leverage) ratio8.8022%5,005
Tier 1 risk-based capital ratio10.7757%6,567
Total risk-based capital ratio12.0274%6,548
Memoranda:
Average total assets$296,379,0002,210
Average earning assets$277,120,7502,167
Average equity$24,124,5002,688
Average total loans$193,343,7502,258
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0773%4,575
Cost of funding earning assets1.8833%1,292
Net interest margin3.1941%6,336
Noninterest income to average assets-0.1003%7,628
Noninterest expense to average assets2.3788%6,118
Loan and lease loss provision to assets0.0067%6,823
Net operating income to assets0.5020%4,320
Return on assets (ROA)0.5309%4,345
Pretax return on assets0.5429%4,766
Return on Equity (ROE)6.5757%3,512
Retained earnings to average equity (ytd only)4.0083%3,529
Net charge-offs to loans0.2424%4,144
Credit loss provision to net charge-offs4.2194%5,989
Earnings coverage of net charge-offs (x)3.2827%3,387
Efficiency ratio82.0572%2,160
Assets per employee ($millions)4.8011%2,447
Cash dividends to net income (ytd only)*39.0428%2,130
Condition Ratios (%)
Loss allowance to loans1.9558%2,288
Loan loss allowance to noncurrent loans59.8265%4,350
Noncurrent assets plus other real estate owned to assets3.8164%1,822
Noncurrent loans to loans3.2691%2,455
Net loans and leases to total assets63.7260%4,314
Net loans and leases to deposits96.8084%980
Net loans and leases to core deposits125.8339%517
Total domestic deposits to total assets65.8269%7,533
Equity capital to assets8.3341%6,379
Core capital (leverage) ratio8.3132%5,739
Tier 1 risk-based capital ratio10.4294%6,737
Total risk-based capital ratio11.6833%6,722
Memoranda:
Average total assets$299,138,3302,206
Average earning assets$280,895,6702,154
Average equity$24,149,6702,679
Average total loans$195,515,0002,262
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0540%4,770
Cost of funding earning assets1.9219%1,363
Net interest margin3.1321%6,510
Noninterest income to average assets0.2977%5,766
Noninterest expense to average assets2.2642%6,501
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets0.9474%2,369
Return on assets (ROA)1.1050%1,898
Pretax return on assets1.1500%2,552
Return on Equity (ROE)13.9048%1,068
Retained earnings to average equity (ytd only)10.9073%938
Net charge-offs to loans0.0606%4,809
Credit loss provision to net charge-offs0.0000%5,126
Earnings coverage of net charge-offs (x)24.8333%999
Efficiency ratio69.6661%4,379
Assets per employee ($millions)4.8738%2,403
Cash dividends to net income (ytd only)*21.5569%2,205
Condition Ratios (%)
Loss allowance to loans1.9948%2,203
Loan loss allowance to noncurrent loans41.9072%5,556
Noncurrent assets plus other real estate owned to assets4.2712%1,595
Noncurrent loans to loans4.7600%1,549
Net loans and leases to total assets65.8610%3,893
Net loans and leases to deposits101.0568%690
Net loans and leases to core deposits133.8202%409
Total domestic deposits to total assets65.1723%7,643
Equity capital to assets8.5174%5,980
Core capital (leverage) ratio8.4239%5,514
Tier 1 risk-based capital ratio10.3283%6,787
Total risk-based capital ratio11.5822%6,785
Memoranda:
Average total assets$302,273,5002,236
Average earning assets$284,921,0002,175
Average equity$24,020,5002,717
Average total loans$198,094,5002,294
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5545%3,844
Cost of funding earning assets2.4539%1,137
Net interest margin3.1007%6,370
Noninterest income to average assets0.5138%4,302
Noninterest expense to average assets2.5667%5,904
Loan and lease loss provision to assets1.3785%1,664
Net operating income to assets-0.5215%6,209
Return on assets (ROA)-0.4965%6,172
Pretax return on assets-0.5176%6,025
Return on Equity (ROE)-6.0401%6,305
Retained earnings to average equity (ytd only)-12.0760%6,686
Net charge-offs to loans1.2714%1,948
Credit loss provision to net charge-offs153.9066%2,968
Earnings coverage of net charge-offs (x)0.9321%5,178
Efficiency ratio75.4575%3,624
Assets per employee ($millions)4.8769%2,366
Cash dividends to net income (ytd only)*-99.9292%7,899
Condition Ratios (%)
Loss allowance to loans1.9782%2,080
Loan loss allowance to noncurrent loans37.5940%5,926
Noncurrent assets plus other real estate owned to assets3.7431%1,781
Noncurrent loans to loans5.2621%1,250
Net loans and leases to total assets62.7079%4,864
Net loans and leases to deposits91.8569%1,918
Net loans and leases to core deposits120.5827%1,910
Total domestic deposits to total assets68.2669%7,526
Equity capital to assets7.4118%7,111
Core capital (leverage) ratio8.4729%5,317
Tier 1 risk-based capital ratio8.5352%7,579
Total risk-based capital ratio9.7883%7,608
Memoranda:
Average total assets$284,372,4002,317
Average earning assets$264,847,0002,285
Average equity$23,377,0002,793
Average total loans$200,324,2002,297
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7499%3,099
Cost of funding earning assets2.5599%1,135
Net interest margin3.1900%6,057
Noninterest income to average assets0.5753%3,889
Noninterest expense to average assets2.6139%5,667
Loan and lease loss provision to assets0.7521%2,490
Net operating income to assets0.1624%5,282
Return on assets (ROA)0.0995%5,515
Pretax return on assets0.1028%5,519
Return on Equity (ROE)1.1775%5,438
Retained earnings to average equity (ytd only)-6.7070%6,473
Net charge-offs to loans1.0055%1,957
Credit loss provision to net charge-offs103.5053%4,916
Earnings coverage of net charge-offs (x)1.2659%4,823
Efficiency ratio73.9698%3,867
Assets per employee ($millions)4.3152%3,183
Cash dividends to net income (ytd only)*669.5714%51
Condition Ratios (%)
Loss allowance to loans1.2986%4,515
Loan loss allowance to noncurrent loans21.6514%7,002
Noncurrent assets plus other real estate owned to assets4.7064%1,271
Noncurrent loans to loans5.9979%986
Net loans and leases to total assets71.2652%3,204
Net loans and leases to deposits104.9506%711
Net loans and leases to core deposits129.5848%1,457
Total domestic deposits to total assets67.9036%7,586
Equity capital to assets9.2057%5,157
Core capital (leverage) ratio9.2626%4,243
Tier 1 risk-based capital ratio9.5823%7,315
Total risk-based capital ratio10.5457%7,483
Memoranda:
Average total assets$277,435,0002,383
Average earning assets$257,295,7502,361
Average equity$23,437,7502,813
Average total loans$200,486,5002,318
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8889%2,639
Cost of funding earning assets2.6630%1,133
Net interest margin3.2259%5,822
Noninterest income to average assets0.6461%3,373
Noninterest expense to average assets2.5910%5,776
Loan and lease loss provision to assets0.8154%2,052
Net operating income to assets0.2045%5,248
Return on assets (ROA)0.1114%5,630
Pretax return on assets0.1158%5,641
Return on Equity (ROE)1.3602%5,515
Retained earnings to average equity (ytd only)-9.5746%6,828
Net charge-offs to loans1.1241%1,618
Credit loss provision to net charge-offs100.3562%4,549
Earnings coverage of net charge-offs (x)1.2654%4,582
Efficiency ratio71.5914%4,485
Assets per employee ($millions)4.5401%2,711
Cash dividends to net income (ytd only)*803.8961%45
Condition Ratios (%)
Loss allowance to loans1.2843%4,372
Loan loss allowance to noncurrent loans78.0635%3,583
Noncurrent assets plus other real estate owned to assets1.6156%3,791
Noncurrent loans to loans1.6452%4,029
Net loans and leases to total assets69.3338%3,871
Net loans and leases to deposits100.4610%1,242
Net loans and leases to core deposits126.6352%1,807
Total domestic deposits to total assets69.0156%7,555
Equity capital to assets8.9716%5,355
Core capital (leverage) ratio8.9987%4,633
Tier 1 risk-based capital ratio10.7780%6,113
Total risk-based capital ratio11.8375%6,245
Memoranda:
Average total assets$276,417,0002,408
Average earning assets$254,750,3302,400
Average equity$22,643,3302,894
Average total loans$199,808,3302,353
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0508%2,148
Cost of funding earning assets2.6432%1,437
Net interest margin3.4076%5,109
Noninterest income to average assets0.5817%3,672
Noninterest expense to average assets2.4697%5,959
Loan and lease loss provision to assets0.3579%3,173
Net operating income to assets0.8880%2,745
Return on assets (ROA)0.8880%2,897
Pretax return on assets0.9248%3,621
Return on Equity (ROE)11.4126%1,843
Retained earnings to average equity (ytd only)7.8166%1,885
Net charge-offs to loans0.4336%2,376
Credit loss provision to net charge-offs112.5000%3,447
Earnings coverage of net charge-offs (x)4.0324%3,001
Efficiency ratio65.8163%5,359
Assets per employee ($millions)4.5319%2,669
Cash dividends to net income (ytd only)*31.5091%2,282
Condition Ratios (%)
Loss allowance to loans1.3047%4,049
Loan loss allowance to noncurrent loans102.6409%2,995
Noncurrent assets plus other real estate owned to assets0.9828%4,737
Noncurrent loans to loans1.2711%4,442
Net loans and leases to total assets71.2539%3,414
Net loans and leases to deposits102.1707%1,161
Net loans and leases to core deposits129.5870%1,692
Total domestic deposits to total assets69.7401%7,448
Equity capital to assets7.8253%7,034
Core capital (leverage) ratio7.8187%6,724
Tier 1 risk-based capital ratio9.7549%7,198
Total risk-based capital ratio10.9400%7,178
Memoranda:
Average total assets$271,613,0002,448
Average earning assets$252,726,5002,426
Average equity$21,134,5003,103
Average total loans$199,266,5002,378
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7111%1,991
Cost of funding earning assets3.2769%985
Net interest margin3.4342%5,529
Noninterest income to average assets0.5346%4,364
Noninterest expense to average assets2.5120%5,956
Loan and lease loss provision to assets0.3378%3,693
Net operating income to assets0.8538%3,212
Return on assets (ROA)0.8739%2,967
Pretax return on assets0.9074%3,696
Return on Equity (ROE)11.6878%1,689
Retained earnings to average equity (ytd only)5.7446%1,644
Net charge-offs to loans0.1873%4,326
Credit loss provision to net charge-offs246.3889%1,892
Earnings coverage of net charge-offs (x)8.9306%2,792
Efficiency ratio67.2340%4,867
Assets per employee ($millions)4.3734%2,838
Cash dividends to net income (ytd only)*50.8497%3,083
Condition Ratios (%)
Loss allowance to loans1.2953%3,816
Loan loss allowance to noncurrent loans187.4182%2,061
Noncurrent assets plus other real estate owned to assets0.5154%5,635
Noncurrent loans to loans0.6911%5,312
Net loans and leases to total assets73.6088%3,203
Net loans and leases to deposits105.0916%1,218
Net loans and leases to core deposits131.9660%1,725
Total domestic deposits to total assets70.0425%7,271
Equity capital to assets7.7353%7,168
Core capital (leverage) ratio7.6472%7,010
Tier 1 risk-based capital ratio9.9282%6,814
Total risk-based capital ratio11.1458%6,735
Memoranda:
Average total assets$262,617,8002,441
Average earning assets$244,834,4002,411
Average equity$19,635,8003,284
Average total loans$192,203,2002,371