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Provident State Bank, Inc., Performance and Condition Ratios

2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3166%1,824
Cost of funding earning assets0.7065%1,687
Net interest margin3.6101%2,110
Noninterest income to average assets0.6331%2,089
Noninterest expense to average assets2.6254%2,463
Loan and lease loss provision to assets0.0884%3,258
Net operating income to assets0.9764%2,371
Return on assets (ROA)0.9833%2,494
Pretax return on assets1.3057%1,954
Return on Equity (ROE)10.0780%1,974
Retained earnings to average equity (ytd only)7.7577%1,129
Net charge-offs to loans0.0633%1,873
Credit loss provision to net charge-offs182.8571%2,253
Earnings coverage of net charge-offs (x)28.7265%1,649
Efficiency ratio65.4577%2,612
Assets per employee ($millions)5.8440%2,506
Cash dividends to net income (ytd only)*23.0230%3,128
Condition Ratios (%)
Loss allowance to loans0.9221%4,124
Loan loss allowance to noncurrent loans206.1565%2,301
Noncurrent assets plus other real estate owned to assets0.3317%2,661
Noncurrent loans to loans0.4473%2,628
Net loans and leases to total assets70.0796%1,551
Net loans and leases to deposits85.6522%1,276
Net loans and leases to core deposits88.1405%1,679
Total domestic deposits to total assets81.8188%3,703
Equity capital to assets9.4443%3,664
Core capital (leverage) ratio9.3503%3,280
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4788%2,455
Memoranda:
Average total assets$508,007,2001,529
Average earning assets$475,310,0001,520
Average equity$49,563,6001,706
Average total loans$387,325,2001,406
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3525%1,968
Cost of funding earning assets0.7453%1,774
Net interest margin3.6072%2,250
Noninterest income to average assets0.5974%2,189
Noninterest expense to average assets2.6249%2,466
Loan and lease loss provision to assets0.1149%2,884
Net operating income to assets0.9249%2,612
Return on assets (ROA)0.9302%2,727
Pretax return on assets1.2353%2,277
Return on Equity (ROE)9.4504%2,229
Retained earnings to average equity (ytd only)7.6812%1,426
Net charge-offs to loans0.0858%1,453
Credit loss provision to net charge-offs172.2892%2,220
Earnings coverage of net charge-offs (x)20.1406%1,911
Efficiency ratio66.1446%2,452
Assets per employee ($millions)5.8284%2,420
Cash dividends to net income (ytd only)*18.7212%2,845
Condition Ratios (%)
Loss allowance to loans0.8641%4,181
Loan loss allowance to noncurrent loans282.3156%1,701
Noncurrent assets plus other real estate owned to assets0.2481%3,196
Noncurrent loans to loans0.3061%3,182
Net loans and leases to total assets75.3527%1,183
Net loans and leases to deposits91.3310%1,127
Net loans and leases to core deposits94.7657%1,569
Total domestic deposits to total assets82.5051%3,281
Equity capital to assets9.4072%3,764
Core capital (leverage) ratio9.4588%3,301
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.6415%2,748
Memoranda:
Average total assets$497,674,5001,534
Average earning assets$465,101,2501,526
Average equity$48,984,2501,714
Average total loans$387,017,2501,394
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4736%1,998
Cost of funding earning assets0.7936%1,860
Net interest margin3.6800%2,243
Noninterest income to average assets0.5596%2,305
Noninterest expense to average assets2.6830%2,435
Loan and lease loss provision to assets0.1238%2,791
Net operating income to assets0.8943%2,708
Return on assets (ROA)0.9025%2,802
Pretax return on assets1.1953%2,380
Return on Equity (ROE)9.0199%2,356
Retained earnings to average equity (ytd only)6.3293%1,929
Net charge-offs to loans0.1178%1,141
Credit loss provision to net charge-offs134.0807%2,210
Earnings coverage of net charge-offs (x)14.1704%1,956
Efficiency ratio67.2131%2,350
Assets per employee ($millions)5.5695%2,576
Cash dividends to net income (ytd only)*29.8302%2,374
Condition Ratios (%)
Loss allowance to loans0.8394%4,224
Loan loss allowance to noncurrent loans166.7149%2,423
Noncurrent assets plus other real estate owned to assets0.4120%2,644
Noncurrent loans to loans0.5035%2,640
Net loans and leases to total assets77.9867%848
Net loans and leases to deposits95.4113%842
Net loans and leases to core deposits98.9187%1,335
Total domestic deposits to total assets81.7374%3,441
Equity capital to assets9.4751%3,680
Core capital (leverage) ratio9.4502%3,415
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2844%2,891
Memoranda:
Average total assets$482,885,0001,550
Average earning assets$450,378,6671,537
Average equity$48,315,3331,724
Average total loans$378,688,3331,402
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6259%1,923
Cost of funding earning assets0.8598%2,060
Net interest margin3.7662%2,096
Noninterest income to average assets0.5716%2,169
Noninterest expense to average assets2.8450%2,292
Loan and lease loss provision to assets0.1029%2,396
Net operating income to assets0.8544%2,689
Return on assets (ROA)0.8544%2,784
Pretax return on assets1.1276%2,429
Return on Equity (ROE)8.2902%2,390
Retained earnings to average equity (ytd only)5.3534%2,140
Net charge-offs to loans0.0983%1,093
Credit loss provision to net charge-offs132.5843%1,651
Earnings coverage of net charge-offs (x)15.9888%1,546
Efficiency ratio69.8069%2,387
Assets per employee ($millions)4.9195%2,727
Cash dividends to net income (ytd only)*35.4251%2,005
Condition Ratios (%)
Loss allowance to loans0.9392%3,974
Loan loss allowance to noncurrent loans241.4306%1,809
Noncurrent assets plus other real estate owned to assets0.3235%3,154
Noncurrent loans to loans0.3890%3,092
Net loans and leases to total assets77.7532%1,015
Net loans and leases to deposits97.9354%724
Net loans and leases to core deposits102.1379%1,312
Total domestic deposits to total assets79.3923%3,977
Equity capital to assets10.4767%3,347
Core capital (leverage) ratio10.2751%3,170
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0490%2,266
Memoranda:
Average total assets$462,562,5001,559
Average earning assets$430,356,5001,554
Average equity$47,670,5001,736
Average total loans$362,162,5001,416
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6223%2,542
Cost of funding earning assets0.8903%2,233
Net interest margin3.7320%2,728
Noninterest income to average assets0.5721%2,361
Noninterest expense to average assets2.9204%2,232
Loan and lease loss provision to assets0.0673%2,670
Net operating income to assets0.8420%3,411
Return on assets (ROA)0.8423%3,501
Pretax return on assets1.0697%3,262
Return on Equity (ROE)8.7658%2,856
Retained earnings to average equity (ytd only)7.0140%1,382
Net charge-offs to loans0.0886%1,848
Credit loss provision to net charge-offs97.0874%2,553
Earnings coverage of net charge-offs (x)16.3883%2,174
Efficiency ratio71.9850%1,873
Assets per employee ($millions)4.9222%2,683
Cash dividends to net income (ytd only)*19.9840%3,484
Condition Ratios (%)
Loss allowance to loans0.9356%3,810
Loan loss allowance to noncurrent loans170.9302%2,369
Noncurrent assets plus other real estate owned to assets0.4457%2,618
Noncurrent loans to loans0.5474%2,531
Net loans and leases to total assets77.3686%1,184
Net loans and leases to deposits97.4053%806
Net loans and leases to core deposits100.9259%1,490
Total domestic deposits to total assets79.4296%4,096
Equity capital to assets10.1349%3,800
Core capital (leverage) ratio10.0761%3,433
Tier 1 risk-based capital ratio12.9488%3,817
Total risk-based capital ratio13.8932%3,871
Memoranda:
Average total assets$445,563,0001,574
Average earning assets$416,045,6001,562
Average equity$42,814,2001,822
Average total loans$348,824,2001,425
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6056%2,703
Cost of funding earning assets0.8743%2,348
Net interest margin3.7313%2,819
Noninterest income to average assets0.5774%2,323
Noninterest expense to average assets2.9988%1,984
Loan and lease loss provision to assets0.0514%2,879
Net operating income to assets0.7688%3,775
Return on assets (ROA)0.7693%3,846
Pretax return on assets1.0158%3,541
Return on Equity (ROE)8.1221%3,253
Retained earnings to average equity (ytd only)6.3675%2,189
Net charge-offs to loans0.0937%1,535
Credit loss provision to net charge-offs69.9588%2,620
Earnings coverage of net charge-offs (x)14.5268%2,242
Efficiency ratio73.7644%1,606
Assets per employee ($millions)4.5281%3,155
Cash dividends to net income (ytd only)*21.6027%2,978
Condition Ratios (%)
Loss allowance to loans0.9512%3,826
Loan loss allowance to noncurrent loans132.9459%2,829
Noncurrent assets plus other real estate owned to assets0.5912%2,230
Noncurrent loans to loans0.7155%2,174
Net loans and leases to total assets75.5216%1,561
Net loans and leases to deposits94.9074%1,132
Net loans and leases to core deposits99.7732%1,678
Total domestic deposits to total assets79.5740%4,077
Equity capital to assets9.6030%4,383
Core capital (leverage) ratio9.7178%3,948
Tier 1 risk-based capital ratio12.6799%4,039
Total risk-based capital ratio13.6539%4,075
Memoranda:
Average total assets$441,281,2501,593
Average earning assets$412,502,0001,584
Average equity$41,794,5001,864
Average total loans$345,690,7501,445
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5774%2,742
Cost of funding earning assets0.8508%2,390
Net interest margin3.7266%2,845
Noninterest income to average assets0.5616%2,334
Noninterest expense to average assets3.0588%1,842
Loan and lease loss provision to assets0.0505%2,806
Net operating income to assets0.7195%3,935
Return on assets (ROA)0.7198%3,993
Pretax return on assets0.9474%3,718
Return on Equity (ROE)7.6375%3,440
Retained earnings to average equity (ytd only)5.9338%2,312
Net charge-offs to loans0.1387%1,098
Credit loss provision to net charge-offs46.0251%2,497
Earnings coverage of net charge-offs (x)9.0962%2,360
Efficiency ratio75.4100%1,470
Assets per employee ($millions)4.4886%3,156
Cash dividends to net income (ytd only)*22.3072%2,944
Condition Ratios (%)
Loss allowance to loans0.9418%3,911
Loan loss allowance to noncurrent loans123.1583%2,980
Noncurrent assets plus other real estate owned to assets0.6146%2,187
Noncurrent loans to loans0.7647%2,069
Net loans and leases to total assets77.1656%1,362
Net loans and leases to deposits96.8723%946
Net loans and leases to core deposits102.0508%1,548
Total domestic deposits to total assets79.6570%4,104
Equity capital to assets9.5187%4,388
Core capital (leverage) ratio9.6108%4,024
Tier 1 risk-based capital ratio12.4614%4,148
Total risk-based capital ratio13.4345%4,191
Memoranda:
Average total assets$435,929,0001,610
Average earning assets$408,788,3301,598
Average equity$41,086,6701,892
Average total loans$344,685,6701,458
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5758%2,622
Cost of funding earning assets0.8483%2,280
Net interest margin3.7275%2,792
Noninterest income to average assets0.5439%2,318
Noninterest expense to average assets3.1012%1,732
Loan and lease loss provision to assets0.0927%1,874
Net operating income to assets0.6504%4,089
Return on assets (ROA)0.6504%4,122
Pretax return on assets0.8515%3,914
Return on Equity (ROE)6.9366%3,702
Retained earnings to average equity (ytd only)6.9366%2,070
Net charge-offs to loans0.1617%835
Credit loss provision to net charge-offs71.9424%1,838
Earnings coverage of net charge-offs (x)7.3309%2,143
Efficiency ratio76.6606%1,424
Assets per employee ($millions)4.4091%3,316
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.9776%3,835
Loan loss allowance to noncurrent loans108.2391%3,263
Noncurrent assets plus other real estate owned to assets0.7283%1,929
Noncurrent loans to loans0.9032%1,853
Net loans and leases to total assets77.7391%1,201
Net loans and leases to deposits99.4126%675
Net loans and leases to core deposits104.8612%1,256
Total domestic deposits to total assets78.1984%4,483
Equity capital to assets9.4417%4,310
Core capital (leverage) ratio9.4676%4,166
Tier 1 risk-based capital ratio12.3605%4,262
Total risk-based capital ratio13.3648%4,284
Memoranda:
Average total assets$431,709,0001,627
Average earning assets$405,526,0001,613
Average equity$40,481,0001,910
Average total loans$343,948,5001,467
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4916%2,483
Cost of funding earning assets0.7245%1,931
Net interest margin3.7671%2,797
Noninterest income to average assets0.6832%1,919
Noninterest expense to average assets2.8178%2,631
Loan and lease loss provision to assets0.2955%546
Net operating income to assets0.8787%3,504
Return on assets (ROA)0.8666%3,546
Pretax return on assets1.1181%3,208
Return on Equity (ROE)9.6074%2,688
Retained earnings to average equity (ytd only)6.2923%2,040
Net charge-offs to loans0.2729%709
Credit loss provision to net charge-offs135.3383%1,973
Earnings coverage of net charge-offs (x)6.5435%3,080
Efficiency ratio66.3537%2,811
Assets per employee ($millions)4.7968%2,749
Cash dividends to net income (ytd only)*34.5061%2,817
Condition Ratios (%)
Loss allowance to loans0.9817%3,798
Loan loss allowance to noncurrent loans160.6161%2,588
Noncurrent assets plus other real estate owned to assets0.5139%2,534
Noncurrent loans to loans0.6112%2,449
Net loans and leases to total assets80.0685%934
Net loans and leases to deposits101.7672%609
Net loans and leases to core deposits106.3990%1,241
Total domestic deposits to total assets78.6781%4,374
Equity capital to assets9.3107%4,310
Core capital (leverage) ratio9.4392%4,185
Tier 1 risk-based capital ratio12.1864%4,304
Total risk-based capital ratio13.2052%4,345
Memoranda:
Average total assets$426,360,8001,604
Average earning assets$403,307,6001,574
Average equity$38,459,8001,917
Average total loans$341,118,8001,436
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4254%2,547
Cost of funding earning assets0.7111%1,791
Net interest margin3.7144%2,967
Noninterest income to average assets0.7057%1,842
Noninterest expense to average assets2.8016%2,626
Loan and lease loss provision to assets0.2690%565
Net operating income to assets0.8710%3,657
Return on assets (ROA)0.8584%3,706
Pretax return on assets1.1340%3,267
Return on Equity (ROE)9.5931%2,800
Retained earnings to average equity (ytd only)9.5931%1,028
Net charge-offs to loans0.2658%627
Credit loss provision to net charge-offs126.8437%1,927
Earnings coverage of net charge-offs (x)6.6902%2,862
Efficiency ratio66.3801%2,801
Assets per employee ($millions)4.9191%2,569
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.9315%4,130
Loan loss allowance to noncurrent loans138.8271%2,897
Noncurrent assets plus other real estate owned to assets0.5528%2,534
Noncurrent loans to loans0.6710%2,402
Net loans and leases to total assets78.7823%1,199
Net loans and leases to deposits96.5448%1,087
Net loans and leases to core deposits100.9793%1,701
Total domestic deposits to total assets81.6018%3,707
Equity capital to assets8.8530%4,677
Core capital (leverage) ratio9.2838%4,418
Tier 1 risk-based capital ratio11.9581%4,523
Total risk-based capital ratio12.9255%4,578
Memoranda:
Average total assets$426,221,5001,615
Average earning assets$403,324,2501,588
Average equity$38,137,5001,938
Average total loans$340,094,5001,438
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3794%2,490
Cost of funding earning assets0.7025%1,609
Net interest margin3.6769%3,018
Noninterest income to average assets0.7236%1,775
Noninterest expense to average assets2.7621%2,793
Loan and lease loss provision to assets0.2889%482
Net operating income to assets0.8674%3,594
Return on assets (ROA)0.8651%3,606
Pretax return on assets1.1469%3,143
Return on Equity (ROE)9.6335%2,748
Retained earnings to average equity (ytd only)9.6335%1,029
Net charge-offs to loans0.4031%387
Credit loss provision to net charge-offs89.7059%2,159
Earnings coverage of net charge-offs (x)4.4676%2,788
Efficiency ratio65.7536%3,022
Assets per employee ($millions)4.9119%2,538
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.8809%4,416
Loan loss allowance to noncurrent loans116.8816%3,185
Noncurrent assets plus other real estate owned to assets0.6046%2,409
Noncurrent loans to loans0.7537%2,234
Net loans and leases to total assets76.9850%1,471
Net loans and leases to deposits95.6032%1,184
Net loans and leases to core deposits99.8522%1,750
Total domestic deposits to total assets80.5255%4,129
Equity capital to assets8.7576%4,757
Core capital (leverage) ratio9.0923%4,596
Tier 1 risk-based capital ratio12.2405%4,345
Total risk-based capital ratio13.1714%4,429
Memoranda:
Average total assets$422,360,6701,632
Average earning assets$399,414,6701,606
Average equity$37,930,3301,950
Average total loans$337,407,6701,450
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3410%2,381
Cost of funding earning assets0.6653%1,626
Net interest margin3.6757%2,904
Noninterest income to average assets0.7480%1,631
Noninterest expense to average assets2.8398%2,570
Loan and lease loss provision to assets0.2130%756
Net operating income to assets0.8838%3,358
Return on assets (ROA)0.8907%3,345
Pretax return on assets1.1760%2,862
Return on Equity (ROE)9.7900%2,542
Retained earnings to average equity (ytd only)9.7900%1,224
Net charge-offs to loans0.0155%2,209
Credit loss provision to net charge-offs1,700.0000%210
Earnings coverage of net charge-offs (x)110.1538%567
Efficiency ratio67.2910%2,955
Assets per employee ($millions)4.5883%3,016
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.9710%4,112
Loan loss allowance to noncurrent loans101.6169%3,441
Noncurrent assets plus other real estate owned to assets0.7619%2,047
Noncurrent loans to loans0.9556%1,916
Net loans and leases to total assets78.9563%1,091
Net loans and leases to deposits99.9574%709
Net loans and leases to core deposits104.8979%1,315
Total domestic deposits to total assets78.9899%4,582
Equity capital to assets8.9425%4,622
Core capital (leverage) ratio9.3634%4,237
Tier 1 risk-based capital ratio12.0908%4,501
Total risk-based capital ratio13.1107%4,525
Memoranda:
Average total assets$414,960,0001,667
Average earning assets$391,982,0001,641
Average equity$37,753,0001,964
Average total loans$336,341,5001,464
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3958%2,035
Cost of funding earning assets0.5709%1,824
Net interest margin3.8248%2,339
Noninterest income to average assets0.8002%1,566
Noninterest expense to average assets3.1223%1,791
Loan and lease loss provision to assets0.2344%822
Net operating income to assets0.5658%4,161
Return on assets (ROA)0.5701%4,178
Pretax return on assets1.0257%3,476
Return on Equity (ROE)6.3070%3,621
Retained earnings to average equity (ytd only)6.3070%1,379
Net charge-offs to loans0.1832%1,373
Credit loss provision to net charge-offs157.2165%1,701
Earnings coverage of net charge-offs (x)8.4055%2,916
Efficiency ratio71.3550%2,327
Assets per employee ($millions)4.5311%3,141
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.9104%4,418
Loan loss allowance to noncurrent loans93.6639%3,653
Noncurrent assets plus other real estate owned to assets1.1023%1,380
Noncurrent loans to loans0.9720%1,819
Net loans and leases to total assets81.6736%729
Net loans and leases to deposits103.4151%522
Net loans and leases to core deposits107.7403%1,150
Total domestic deposits to total assets78.9764%4,552
Equity capital to assets9.2590%4,466
Core capital (leverage) ratio9.3181%4,265
Tier 1 risk-based capital ratio11.8057%4,659
Total risk-based capital ratio12.7494%4,745
Memoranda:
Average total assets$390,287,4001,750
Average earning assets$364,852,4001,737
Average equity$35,278,2002,063
Average total loans$317,666,4001,493
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3759%2,031
Cost of funding earning assets0.5506%1,885
Net interest margin3.8252%2,301
Noninterest income to average assets0.7559%1,754
Noninterest expense to average assets3.2090%1,536
Loan and lease loss provision to assets0.1814%1,099
Net operating income to assets0.6062%4,368
Return on assets (ROA)0.6143%4,382
Pretax return on assets0.9470%3,881
Return on Equity (ROE)6.8400%3,754
Retained earnings to average equity (ytd only)6.8400%1,776
Net charge-offs to loans0.1951%1,090
Credit loss provision to net charge-offs114.6288%2,083
Earnings coverage of net charge-offs (x)7.0524%2,916
Efficiency ratio74.1972%1,866
Assets per employee ($millions)4.4464%3,247
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.8581%4,726
Loan loss allowance to noncurrent loans85.2349%3,804
Noncurrent assets plus other real estate owned to assets1.1695%1,411
Noncurrent loans to loans1.0068%1,931
Net loans and leases to total assets80.6626%891
Net loans and leases to deposits102.2497%599
Net loans and leases to core deposits107.4669%1,173
Total domestic deposits to total assets78.8878%4,550
Equity capital to assets9.4223%4,523
Core capital (leverage) ratio9.5434%4,103
Tier 1 risk-based capital ratio11.9336%4,678
Total risk-based capital ratio12.8103%4,805
Memoranda:
Average total assets$385,909,5001,778
Average earning assets$360,055,7501,762
Average equity$34,658,2502,114
Average total loans$313,052,0001,521
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3219%2,059
Cost of funding earning assets0.5210%2,003
Net interest margin3.8008%2,282
Noninterest income to average assets0.7462%1,785
Noninterest expense to average assets3.1845%1,619
Loan and lease loss provision to assets0.1994%926
Net operating income to assets0.5936%4,338
Return on assets (ROA)0.6061%4,324
Pretax return on assets0.9141%3,885
Return on Equity (ROE)6.8663%3,626
Retained earnings to average equity (ytd only)6.8663%1,657
Net charge-offs to loans0.2992%677
Credit loss provision to net charge-offs82.2511%2,238
Earnings coverage of net charge-offs (x)4.5152%2,917
Efficiency ratio74.4206%1,938
Assets per employee ($millions)4.2866%3,454
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.8295%4,873
Loan loss allowance to noncurrent loans80.9364%3,933
Noncurrent assets plus other real estate owned to assets1.2422%1,355
Noncurrent loans to loans1.0248%1,919
Net loans and leases to total assets79.3257%1,047
Net loans and leases to deposits100.0693%730
Net loans and leases to core deposits104.7490%1,311
Total domestic deposits to total assets79.2707%4,567
Equity capital to assets9.3098%4,612
Core capital (leverage) ratio9.6912%3,904
Tier 1 risk-based capital ratio12.1348%4,542
Total risk-based capital ratio12.9918%4,696
Memoranda:
Average total assets$381,153,6701,801
Average earning assets$354,289,3301,793
Average equity$33,642,3302,160
Average total loans$308,873,6701,534
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3263%1,890
Cost of funding earning assets0.5019%2,071
Net interest margin3.8243%2,032
Noninterest income to average assets0.8109%1,515
Noninterest expense to average assets3.2051%1,595
Loan and lease loss provision to assets0.2041%806
Net operating income to assets0.6282%4,026
Return on assets (ROA)0.6488%3,973
Pretax return on assets0.9764%3,476
Return on Equity (ROE)7.5721%3,128
Retained earnings to average equity (ytd only)7.5721%1,620
Net charge-offs to loans0.4910%377
Credit loss provision to net charge-offs50.9383%1,976
Earnings coverage of net charge-offs (x)2.8686%2,539
Efficiency ratio73.6063%2,297
Assets per employee ($millions)4.1981%3,663
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.8202%5,009
Loan loss allowance to noncurrent loans71.4406%4,166
Noncurrent assets plus other real estate owned to assets1.3443%1,254
Noncurrent loans to loans1.1481%1,776
Net loans and leases to total assets81.4211%635
Net loans and leases to deposits97.3119%826
Net loans and leases to core deposits101.1289%1,434
Total domestic deposits to total assets83.6703%3,594
Equity capital to assets8.5555%5,197
Core capital (leverage) ratio8.8512%4,903
Tier 1 risk-based capital ratio11.0298%5,289
Total risk-based capital ratio11.8802%5,404
Memoranda:
Average total assets$372,403,5001,849
Average earning assets$345,056,0001,849
Average equity$31,906,5002,244
Average total loans$303,870,5001,561
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3994%1,823
Cost of funding earning assets0.5286%1,879
Net interest margin3.8708%2,063
Noninterest income to average assets0.4761%3,372
Noninterest expense to average assets3.0231%2,277
Loan and lease loss provision to assets0.4159%362
Net operating income to assets0.4143%4,895
Return on assets (ROA)0.4440%4,897
Pretax return on assets0.6338%4,695
Return on Equity (ROE)5.3223%4,261
Retained earnings to average equity (ytd only)4.1064%2,986
Net charge-offs to loans0.3257%847
Credit loss provision to net charge-offs160.5145%1,717
Earnings coverage of net charge-offs (x)3.8881%3,595
Efficiency ratio75.0072%2,138
Assets per employee ($millions)4.1234%3,743
Cash dividends to net income (ytd only)*22.8460%3,616
Condition Ratios (%)
Loss allowance to loans0.9164%4,721
Loan loss allowance to noncurrent loans67.1014%4,298
Noncurrent assets plus other real estate owned to assets1.6094%990
Noncurrent loans to loans1.3657%1,501
Net loans and leases to total assets80.3420%844
Net loans and leases to deposits96.6990%936
Net loans and leases to core deposits99.1199%1,698
Total domestic deposits to total assets83.0846%3,743
Equity capital to assets8.5803%5,209
Core capital (leverage) ratio8.7016%5,074
Tier 1 risk-based capital ratio11.1487%5,253
Total risk-based capital ratio12.0872%5,312
Memoranda:
Average total assets$345,072,2001,923
Average earning assets$316,859,0001,933
Average equity$28,784,4002,467
Average total loans$274,478,8001,648
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3479%2,004
Cost of funding earning assets0.5335%1,850
Net interest margin3.8144%2,281
Noninterest income to average assets0.3679%4,144
Noninterest expense to average assets2.9289%2,547
Loan and lease loss provision to assets0.3926%372
Net operating income to assets0.3851%5,067
Return on assets (ROA)0.4091%5,077
Pretax return on assets0.5803%4,928
Return on Equity (ROE)4.9426%4,539
Retained earnings to average equity (ytd only)3.7568%3,630
Net charge-offs to loans0.2253%1,040
Credit loss provision to net charge-offs220.2643%1,337
Earnings coverage of net charge-offs (x)5.2687%3,155
Efficiency ratio75.7207%2,017
Assets per employee ($millions)4.0715%3,834
Cash dividends to net income (ytd only)*23.9927%3,066
Condition Ratios (%)
Loss allowance to loans0.9326%4,738
Loan loss allowance to noncurrent loans139.4589%2,933
Noncurrent assets plus other real estate owned to assets1.2247%1,618
Noncurrent loans to loans0.6687%3,019
Net loans and leases to total assets80.0885%883
Net loans and leases to deposits97.4467%903
Net loans and leases to core deposits100.4886%1,586
Total domestic deposits to total assets82.1870%3,885
Equity capital to assets8.8268%5,303
Core capital (leverage) ratio8.9452%4,887
Tier 1 risk-based capital ratio11.2685%5,220
Total risk-based capital ratio12.2305%5,294
Memoranda:
Average total assets$339,595,2501,956
Average earning assets$311,622,2501,967
Average equity$28,108,5002,525
Average total loans$268,707,0001,682
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3257%2,072
Cost of funding earning assets0.5414%1,772
Net interest margin3.7844%2,387
Noninterest income to average assets0.3163%4,518
Noninterest expense to average assets2.8668%2,783
Loan and lease loss provision to assets0.3313%500
Net operating income to assets0.4099%5,008
Return on assets (ROA)0.4343%5,012
Pretax return on assets0.6187%4,840
Return on Equity (ROE)5.3773%4,345
Retained earnings to average equity (ytd only)4.6315%2,954
Net charge-offs to loans0.1642%1,350
Credit loss provision to net charge-offs257.0093%1,074
Earnings coverage of net charge-offs (x)7.0981%2,669
Efficiency ratio75.8044%2,109
Assets per employee ($millions)4.3048%3,357
Cash dividends to net income (ytd only)*13.8696%3,380
Condition Ratios (%)
Loss allowance to loans0.9066%4,935
Loan loss allowance to noncurrent loans208.4298%2,202
Noncurrent assets plus other real estate owned to assets1.2159%1,703
Noncurrent loans to loans0.4350%3,809
Net loans and leases to total assets78.0901%1,189
Net loans and leases to deposits93.9977%1,294
Net loans and leases to core deposits103.4365%1,368
Total domestic deposits to total assets83.0766%3,616
Equity capital to assets8.1033%5,770
Core capital (leverage) ratio8.3670%5,476
Tier 1 risk-based capital ratio10.4330%5,700
Total risk-based capital ratio11.3527%5,760
Memoranda:
Average total assets$332,005,6702,007
Average earning assets$304,041,0002,027
Average equity$26,816,3302,605
Average total loans$260,628,0001,732
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2862%2,180
Cost of funding earning assets0.4995%2,109
Net interest margin3.7867%2,340
Noninterest income to average assets0.3173%4,462
Noninterest expense to average assets2.8192%3,000
Loan and lease loss provision to assets0.2799%590
Net operating income to assets0.4897%4,671
Return on assets (ROA)0.5026%4,718
Pretax return on assets0.7266%4,427
Return on Equity (ROE)6.2340%3,864
Retained earnings to average equity (ytd only)6.2340%2,265
Net charge-offs to loans0.0619%1,878
Credit loss provision to net charge-offs576.9231%542
Earnings coverage of net charge-offs (x)20.3590%1,466
Efficiency ratio74.0523%2,467
Assets per employee ($millions)4.6016%2,896
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.9133%5,013
Loan loss allowance to noncurrent loans160.3786%2,636
Noncurrent assets plus other real estate owned to assets1.5028%1,357
Noncurrent loans to loans0.5695%3,484
Net loans and leases to total assets78.7642%981
Net loans and leases to deposits95.4950%989
Net loans and leases to core deposits102.3396%1,309
Total domestic deposits to total assets82.4799%4,075
Equity capital to assets8.0329%5,815
Core capital (leverage) ratio8.1421%5,691
Tier 1 risk-based capital ratio10.2861%5,833
Total risk-based capital ratio11.2115%5,883
Memoranda:
Average total assets$321,513,0002,075
Average earning assets$296,303,0002,080
Average equity$25,922,5002,669
Average total loans$251,855,5001,785
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1862%2,603
Cost of funding earning assets0.4987%2,169
Net interest margin3.6875%2,794
Noninterest income to average assets0.3481%4,419
Noninterest expense to average assets2.8843%2,913
Loan and lease loss provision to assets0.3547%412
Net operating income to assets0.3442%5,228
Return on assets (ROA)0.3510%5,304
Pretax return on assets0.4588%5,206
Return on Equity (ROE)4.1990%4,852
Retained earnings to average equity (ytd only)2.4147%4,342
Net charge-offs to loans0.2003%1,459
Credit loss provision to net charge-offs243.7358%1,172
Earnings coverage of net charge-offs (x)5.5285%3,373
Efficiency ratio78.1902%1,938
Assets per employee ($millions)4.3932%3,227
Cash dividends to net income (ytd only)*42.4929%2,727
Condition Ratios (%)
Loss allowance to loans0.8959%5,098
Loan loss allowance to noncurrent loans141.5803%2,938
Noncurrent assets plus other real estate owned to assets1.6171%1,214
Noncurrent loans to loans0.6328%3,286
Net loans and leases to total assets76.4496%1,339
Net loans and leases to deposits89.9911%1,616
Net loans and leases to core deposits95.6207%1,885
Total domestic deposits to total assets84.9524%3,114
Equity capital to assets8.0934%5,815
Core capital (leverage) ratio8.2886%5,616
Tier 1 risk-based capital ratio10.3604%5,838
Total risk-based capital ratio11.2327%5,906
Memoranda:
Average total assets$301,668,0002,139
Average earning assets$273,303,0002,181
Average equity$25,220,2002,671
Average total loans$219,133,2001,930
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2329%2,466
Cost of funding earning assets0.5043%2,174
Net interest margin3.7286%2,652
Noninterest income to average assets0.4300%3,865
Noninterest expense to average assets2.7690%3,310
Loan and lease loss provision to assets0.2125%907
Net operating income to assets0.5739%4,506
Return on assets (ROA)0.5758%4,588
Pretax return on assets0.8188%4,277
Return on Equity (ROE)6.8296%3,712
Retained earnings to average equity (ytd only)6.0336%2,224
Net charge-offs to loans0.1572%1,567
Credit loss provision to net charge-offs189.2430%1,397
Earnings coverage of net charge-offs (x)9.1593%2,728
Efficiency ratio72.9147%2,731
Assets per employee ($millions)4.4370%3,113
Cash dividends to net income (ytd only)*11.6553%3,535
Condition Ratios (%)
Loss allowance to loans0.8139%5,483
Loan loss allowance to noncurrent loans119.3159%3,282
Noncurrent assets plus other real estate owned to assets1.5017%1,502
Noncurrent loans to loans0.6821%3,276
Net loans and leases to total assets69.8050%2,417
Net loans and leases to deposits82.2005%2,623
Net loans and leases to core deposits83.2257%3,131
Total domestic deposits to total assets84.9204%3,045
Equity capital to assets8.3199%5,820
Core capital (leverage) ratio8.8180%5,219
Tier 1 risk-based capital ratio11.3376%5,469
Total risk-based capital ratio12.0990%5,660
Memoranda:
Average total assets$298,007,7502,173
Average earning assets$269,156,7502,222
Average equity$25,125,2502,708
Average total loans$212,915,7501,980
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2188%2,486
Cost of funding earning assets0.5071%2,188
Net interest margin3.7117%2,661
Noninterest income to average assets0.4159%3,960
Noninterest expense to average assets2.7378%3,463
Loan and lease loss provision to assets0.1702%1,226
Net operating income to assets0.6174%4,265
Return on assets (ROA)0.6188%4,379
Pretax return on assets0.9033%3,944
Return on Equity (ROE)7.3051%3,436
Retained earnings to average equity (ytd only)6.0997%2,173
Net charge-offs to loans0.1403%1,662
Credit loss provision to net charge-offs168.9189%1,415
Earnings coverage of net charge-offs (x)10.6351%2,348
Efficiency ratio71.8728%3,015
Assets per employee ($millions)4.4370%3,085
Cash dividends to net income (ytd only)*16.5017%3,296
Condition Ratios (%)
Loss allowance to loans0.7621%5,688
Loan loss allowance to noncurrent loans96.3372%3,794
Noncurrent assets plus other real estate owned to assets1.4851%1,662
Noncurrent loans to loans0.7911%3,130
Net loans and leases to total assets73.6789%1,711
Net loans and leases to deposits87.2189%1,916
Net loans and leases to core deposits88.2885%2,526
Total domestic deposits to total assets84.4759%3,361
Equity capital to assets8.5558%5,636
Core capital (leverage) ratio8.9527%5,030
Tier 1 risk-based capital ratio11.3894%5,531
Total risk-based capital ratio12.1122%5,703
Memoranda:
Average total assets$293,813,3302,212
Average earning assets$268,609,6702,243
Average equity$24,886,6702,730
Average total loans$211,025,3302,006
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2518%2,269
Cost of funding earning assets0.5140%2,163
Net interest margin3.7378%2,479
Noninterest income to average assets0.3683%4,267
Noninterest expense to average assets2.7238%3,509
Loan and lease loss provision to assets0.2379%718
Net operating income to assets0.5764%4,380
Return on assets (ROA)0.5641%4,533
Pretax return on assets0.8087%4,205
Return on Equity (ROE)6.6929%3,657
Retained earnings to average equity (ytd only)6.6929%2,151
Net charge-offs to loans0.1020%1,707
Credit loss provision to net charge-offs330.1887%761
Earnings coverage of net charge-offs (x)14.7736%1,660
Efficiency ratio71.9053%3,188
Assets per employee ($millions)4.4296%3,164
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.8047%5,683
Loan loss allowance to noncurrent loans85.3870%4,033
Noncurrent assets plus other real estate owned to assets1.6429%1,545
Noncurrent loans to loans0.9424%2,893
Net loans and leases to total assets70.7131%2,038
Net loans and leases to deposits83.3298%2,163
Net loans and leases to core deposits84.3484%2,730
Total domestic deposits to total assets84.8594%3,475
Equity capital to assets8.6139%5,650
Core capital (leverage) ratio8.7071%5,318
Tier 1 risk-based capital ratio11.4709%5,573
Total risk-based capital ratio12.2175%5,753
Memoranda:
Average total assets$294,299,5002,224
Average earning assets$269,249,5002,253
Average equity$24,802,5002,764
Average total loans$207,828,5002,028
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3174%2,540
Cost of funding earning assets0.5565%2,160
Net interest margin3.7609%2,768
Noninterest income to average assets0.3172%4,848
Noninterest expense to average assets2.6506%4,048
Loan and lease loss provision to assets0.1872%1,369
Net operating income to assets0.5643%4,534
Return on assets (ROA)0.6254%4,358
Pretax return on assets0.9490%3,696
Return on Equity (ROE)7.9653%3,155
Retained earnings to average equity (ytd only)5.6238%2,181
Net charge-offs to loans0.5078%804
Credit loss provision to net charge-offs55.1724%3,376
Earnings coverage of net charge-offs (x)3.0759%3,981
Efficiency ratio71.7517%3,245
Assets per employee ($millions)4.5576%2,943
Cash dividends to net income (ytd only)*29.3960%3,403
Condition Ratios (%)
Loss allowance to loans0.7503%5,881
Loan loss allowance to noncurrent loans92.0663%3,909
Noncurrent assets plus other real estate owned to assets1.5858%1,705
Noncurrent loans to loans0.8150%3,281
Net loans and leases to total assets69.4332%2,321
Net loans and leases to deposits82.2216%2,444
Net loans and leases to core deposits83.4885%2,954
Total domestic deposits to total assets84.4464%3,534
Equity capital to assets8.2438%5,936
Core capital (leverage) ratio8.4131%5,648
Tier 1 risk-based capital ratio11.6708%5,564
Total risk-based capital ratio12.3867%5,786
Memoranda:
Average total assets$299,172,2002,162
Average earning assets$268,633,0002,205
Average equity$23,489,4002,801
Average total loans$199,892,4002,037
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3123%2,573
Cost of funding earning assets0.5631%2,165
Net interest margin3.7492%2,816
Noninterest income to average assets0.3139%4,930
Noninterest expense to average assets2.6643%3,967
Loan and lease loss provision to assets0.2001%1,189
Net operating income to assets0.5359%4,733
Return on assets (ROA)0.6184%4,453
Pretax return on assets0.9234%3,892
Return on Equity (ROE)7.9747%3,222
Retained earnings to average equity (ytd only)7.4014%1,620
Net charge-offs to loans0.6759%519
Credit loss provision to net charge-offs44.8207%3,203
Earnings coverage of net charge-offs (x)2.2410%3,960
Efficiency ratio72.7041%3,063
Assets per employee ($millions)4.5879%2,830
Cash dividends to net income (ytd only)*7.1891%3,644
Condition Ratios (%)
Loss allowance to loans0.7209%6,058
Loan loss allowance to noncurrent loans120.7297%3,204
Noncurrent assets plus other real estate owned to assets1.5539%1,972
Noncurrent loans to loans0.5971%4,139
Net loans and leases to total assets67.2400%2,653
Net loans and leases to deposits79.6320%2,754
Net loans and leases to core deposits80.9514%3,202
Total domestic deposits to total assets84.4384%3,577
Equity capital to assets8.0989%6,080
Core capital (leverage) ratio8.4745%5,680
Tier 1 risk-based capital ratio11.8619%5,584
Total risk-based capital ratio12.5440%5,824
Memoranda:
Average total assets$299,903,7502,176
Average earning assets$268,032,2502,224
Average equity$23,256,2502,832
Average total loans$198,053,5002,064
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2876%2,625
Cost of funding earning assets0.5633%2,229
Net interest margin3.7242%2,859
Noninterest income to average assets0.3148%4,892
Noninterest expense to average assets2.7005%3,866
Loan and lease loss provision to assets0.1331%1,862
Net operating income to assets0.5528%4,587
Return on assets (ROA)0.6250%4,318
Pretax return on assets0.9379%3,733
Return on Equity (ROE)8.1803%3,002
Retained earnings to average equity (ytd only)7.3091%1,610
Net charge-offs to loans0.6831%563
Credit loss provision to net charge-offs29.7619%3,058
Earnings coverage of net charge-offs (x)2.1533%3,621
Efficiency ratio73.7100%3,026
Assets per employee ($millions)4.3671%3,145
Cash dividends to net income (ytd only)*10.6496%3,451
Condition Ratios (%)
Loss allowance to loans0.7707%6,048
Loan loss allowance to noncurrent loans71.2367%4,461
Noncurrent assets plus other real estate owned to assets1.9812%1,621
Noncurrent loans to loans1.0819%3,063
Net loans and leases to total assets65.7128%2,802
Net loans and leases to deposits77.9421%2,809
Net loans and leases to core deposits79.2212%3,299
Total domestic deposits to total assets84.3098%3,816
Equity capital to assets7.8775%6,224
Core capital (leverage) ratio8.4161%5,726
Tier 1 risk-based capital ratio11.7691%5,652
Total risk-based capital ratio12.4970%5,877
Memoranda:
Average total assets$300,467,0002,171
Average earning assets$270,175,3302,209
Average equity$22,957,6702,850
Average total loans$196,746,3302,076
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3198%2,449
Cost of funding earning assets0.5720%2,225
Net interest margin3.7477%2,687
Noninterest income to average assets0.2573%5,296
Noninterest expense to average assets2.6423%4,140
Loan and lease loss provision to assets0.1333%1,817
Net operating income to assets0.5879%4,245
Return on assets (ROA)0.5879%4,325
Pretax return on assets0.8706%3,825
Return on Equity (ROE)7.8164%3,034
Retained earnings to average equity (ytd only)7.8164%1,678
Net charge-offs to loans1.0382%317
Credit loss provision to net charge-offs19.7239%2,502
Earnings coverage of net charge-offs (x)1.4852%3,090
Efficiency ratio72.4680%3,408
Assets per employee ($millions)4.4273%3,092
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.8190%6,061
Loan loss allowance to noncurrent loans64.1713%4,695
Noncurrent assets plus other real estate owned to assets2.2044%1,500
Noncurrent loans to loans1.2762%2,901
Net loans and leases to total assets65.4462%2,645
Net loans and leases to deposits77.1879%2,663
Net loans and leases to core deposits78.4382%3,157
Total domestic deposits to total assets84.7881%3,959
Equity capital to assets7.7878%6,185
Core capital (leverage) ratio8.0611%6,079
Tier 1 risk-based capital ratio11.9033%5,708
Total risk-based capital ratio12.6830%5,901
Memoranda:
Average total assets$300,036,5002,179
Average earning assets$271,311,5002,211
Average equity$22,568,0002,885
Average total loans$195,345,0002,091
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4304%2,468
Cost of funding earning assets0.7084%1,753
Net interest margin3.7220%2,968
Noninterest income to average assets0.4093%4,381
Noninterest expense to average assets2.7764%3,809
Loan and lease loss provision to assets0.3054%1,097
Net operating income to assets0.4618%4,905
Return on assets (ROA)0.5169%4,792
Pretax return on assets0.7707%4,263
Return on Equity (ROE)6.6581%3,740
Retained earnings to average equity (ytd only)4.1881%3,192
Net charge-offs to loans0.3070%2,149
Credit loss provision to net charge-offs156.2500%1,479
Earnings coverage of net charge-offs (x)5.0851%3,389
Efficiency ratio73.6364%3,191
Assets per employee ($millions)4.5976%2,721
Cash dividends to net income (ytd only)*37.0978%2,947
Condition Ratios (%)
Loss allowance to loans1.0310%5,412
Loan loss allowance to noncurrent loans52.9644%5,134
Noncurrent assets plus other real estate owned to assets2.4235%1,431
Noncurrent loans to loans1.9466%2,049
Net loans and leases to total assets63.5849%3,119
Net loans and leases to deposits74.4541%3,196
Net loans and leases to core deposits75.6086%3,656
Total domestic deposits to total assets85.4015%3,554
Equity capital to assets7.2617%6,378
Core capital (leverage) ratio7.7645%6,267
Tier 1 risk-based capital ratio11.3401%6,001
Total risk-based capital ratio12.2886%6,097
Memoranda:
Average total assets$294,662,0002,179
Average earning assets$266,091,2002,211
Average equity$22,874,4002,838
Average total loans$187,631,0002,125
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4538%2,400
Cost of funding earning assets0.7387%1,675
Net interest margin3.7151%2,971
Noninterest income to average assets0.4276%4,315
Noninterest expense to average assets2.7727%3,753
Loan and lease loss provision to assets0.2735%1,280
Net operating income to assets0.4883%4,847
Return on assets (ROA)0.5202%4,869
Pretax return on assets0.7887%4,341
Return on Equity (ROE)6.5902%3,880
Retained earnings to average equity (ytd only)5.3484%2,831
Net charge-offs to loans0.3315%1,883
Credit loss provision to net charge-offs129.8701%1,820
Earnings coverage of net charge-offs (x)4.8139%3,344
Efficiency ratio73.2242%3,187
Assets per employee ($millions)4.1623%3,498
Cash dividends to net income (ytd only)*18.8431%3,133
Condition Ratios (%)
Loss allowance to loans0.9421%5,941
Loan loss allowance to noncurrent loans54.1086%5,052
Noncurrent assets plus other real estate owned to assets2.4478%1,580
Noncurrent loans to loans1.7412%2,579
Net loans and leases to total assets66.7767%2,503
Net loans and leases to deposits78.7884%2,550
Net loans and leases to core deposits80.1145%3,120
Total domestic deposits to total assets84.7545%3,858
Equity capital to assets7.8200%6,248
Core capital (leverage) ratio8.2706%5,999
Tier 1 risk-based capital ratio11.4753%6,071
Total risk-based capital ratio12.3475%6,200
Memoranda:
Average total assets$292,466,7502,204
Average earning assets$264,425,0002,229
Average equity$23,084,2502,842
Average total loans$185,800,2502,143
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4390%2,422
Cost of funding earning assets0.7685%1,594
Net interest margin3.6705%3,080
Noninterest income to average assets0.4065%4,480
Noninterest expense to average assets2.7027%4,020
Loan and lease loss provision to assets0.3059%1,170
Net operating income to assets0.4650%4,953
Return on assets (ROA)0.4874%5,029
Pretax return on assets0.7369%4,552
Return on Equity (ROE)6.1564%4,071
Retained earnings to average equity (ytd only)5.1690%2,945
Net charge-offs to loans0.3657%1,741
Credit loss provision to net charge-offs134.3284%1,685
Earnings coverage of net charge-offs (x)4.4299%3,133
Efficiency ratio72.8205%3,335
Assets per employee ($millions)4.0016%3,797
Cash dividends to net income (ytd only)*16.0391%3,144
Condition Ratios (%)
Loss allowance to loans0.9554%5,972
Loan loss allowance to noncurrent loans58.2094%4,875
Noncurrent assets plus other real estate owned to assets2.3501%1,826
Noncurrent loans to loans1.6413%2,854
Net loans and leases to total assets64.8023%2,792
Net loans and leases to deposits76.3141%2,837
Net loans and leases to core deposits77.5909%3,345
Total domestic deposits to total assets84.9152%3,928
Equity capital to assets7.8450%6,298
Core capital (leverage) ratio8.1230%6,084
Tier 1 risk-based capital ratio11.3306%6,185
Total risk-based capital ratio12.1925%6,331
Memoranda:
Average total assets$294,222,6702,200
Average earning assets$264,925,6702,227
Average equity$23,292,6702,836
Average total loans$183,198,3302,170
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4210%2,449
Cost of funding earning assets0.7967%1,545
Net interest margin3.6243%3,166
Noninterest income to average assets0.3525%4,859
Noninterest expense to average assets2.6777%4,159
Loan and lease loss provision to assets0.2018%1,841
Net operating income to assets0.4777%4,782
Return on assets (ROA)0.4777%4,949
Pretax return on assets0.7293%4,447
Return on Equity (ROE)6.0074%4,045
Retained earnings to average equity (ytd only)6.0074%2,673
Net charge-offs to loans0.0598%3,219
Credit loss provision to net charge-offs555.5556%485
Earnings coverage of net charge-offs (x)25.6296%1,044
Efficiency ratio74.1984%3,229
Assets per employee ($millions)3.8399%4,275
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.9975%5,993
Loan loss allowance to noncurrent loans47.8825%5,249
Noncurrent assets plus other real estate owned to assets2.4517%1,881
Noncurrent loans to loans2.0832%2,527
Net loans and leases to total assets59.9461%3,434
Net loans and leases to deposits70.3749%3,415
Net loans and leases to core deposits71.5021%3,882
Total domestic deposits to total assets85.1811%3,955
Equity capital to assets7.9143%6,426
Core capital (leverage) ratio7.9369%6,195
Tier 1 risk-based capital ratio11.5312%6,175
Total risk-based capital ratio12.4217%6,311
Memoranda:
Average total assets$297,275,0002,204
Average earning assets$267,087,5002,239
Average equity$23,637,5002,841
Average total loans$180,543,5002,207
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8493%2,020
Cost of funding earning assets1.0512%1,117
Net interest margin3.7981%3,233
Noninterest income to average assets0.4000%4,610
Noninterest expense to average assets2.8106%3,981
Loan and lease loss provision to assets0.2791%2,419
Net operating income to assets0.4457%4,899
Return on assets (ROA)0.4971%4,951
Pretax return on assets0.7602%4,446
Return on Equity (ROE)6.0792%4,134
Retained earnings to average equity (ytd only)4.2528%3,233
Net charge-offs to loans0.5115%2,199
Credit loss provision to net charge-offs83.5996%3,709
Earnings coverage of net charge-offs (x)2.8765%3,998
Efficiency ratio74.5333%2,983
Assets per employee ($millions)3.7347%4,496
Cash dividends to net income (ytd only)*30.0429%3,373
Condition Ratios (%)
Loss allowance to loans0.9381%6,167
Loan loss allowance to noncurrent loans37.0631%5,770
Noncurrent assets plus other real estate owned to assets2.7044%1,781
Noncurrent loans to loans2.5310%2,086
Net loans and leases to total assets60.3469%3,542
Net loans and leases to deposits71.4556%3,502
Net loans and leases to core deposits72.6264%3,959
Total domestic deposits to total assets84.4537%4,101
Equity capital to assets7.9891%6,416
Core capital (leverage) ratio7.8452%6,313
Tier 1 risk-based capital ratio11.4504%6,137
Total risk-based capital ratio12.2872%6,305
Memoranda:
Average total assets$281,258,4002,257
Average earning assets$249,624,4002,330
Average equity$22,996,6002,850
Average total loans$183,585,2002,155
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9133%1,963
Cost of funding earning assets1.1017%1,060
Net interest margin3.8116%3,285
Noninterest income to average assets0.3993%4,642
Noninterest expense to average assets2.8311%3,867
Loan and lease loss provision to assets0.3048%2,170
Net operating income to assets0.4259%5,134
Return on assets (ROA)0.4962%5,127
Pretax return on assets0.7573%4,649
Return on Equity (ROE)6.0326%4,316
Retained earnings to average equity (ytd only)5.3033%3,156
Net charge-offs to loans0.5606%1,931
Credit loss provision to net charge-offs81.8299%3,567
Earnings coverage of net charge-offs (x)2.5657%4,013
Efficiency ratio74.7655%2,866
Assets per employee ($millions)3.5945%4,764
Cash dividends to net income (ytd only)*12.0888%3,356
Condition Ratios (%)
Loss allowance to loans0.9256%6,311
Loan loss allowance to noncurrent loans36.4202%5,831
Noncurrent assets plus other real estate owned to assets2.7529%1,911
Noncurrent loans to loans2.5415%2,247
Net loans and leases to total assets62.4595%3,305
Net loans and leases to deposits74.1357%3,262
Net loans and leases to core deposits75.3684%3,807
Total domestic deposits to total assets84.2502%4,102
Equity capital to assets8.1153%6,537
Core capital (leverage) ratio7.9237%6,387
Tier 1 risk-based capital ratio11.1950%6,396
Total risk-based capital ratio12.0219%6,554
Memoranda:
Average total assets$277,812,7502,312
Average earning assets$246,888,7502,378
Average equity$22,853,0002,892
Average total loans$184,548,0002,175
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9973%1,799
Cost of funding earning assets1.1443%1,055
Net interest margin3.8530%3,121
Noninterest income to average assets0.3812%4,787
Noninterest expense to average assets2.8511%3,823
Loan and lease loss provision to assets0.3183%2,078
Net operating income to assets0.4142%5,165
Return on assets (ROA)0.4997%5,078
Pretax return on assets0.7558%4,623
Return on Equity (ROE)6.0457%4,304
Retained earnings to average equity (ytd only)4.9392%3,310
Net charge-offs to loans0.7648%1,439
Credit loss provision to net charge-offs61.5276%3,759
Earnings coverage of net charge-offs (x)1.8260%4,065
Efficiency ratio75.1157%2,877
Assets per employee ($millions)3.6701%4,589
Cash dividends to net income (ytd only)*18.3016%3,038
Condition Ratios (%)
Loss allowance to loans0.8514%6,566
Loan loss allowance to noncurrent loans47.7031%5,249
Noncurrent assets plus other real estate owned to assets2.2915%2,447
Noncurrent loans to loans1.7848%3,242
Net loans and leases to total assets62.9773%3,239
Net loans and leases to deposits74.4343%3,222
Net loans and leases to core deposits76.3126%3,736
Total domestic deposits to total assets84.6080%4,049
Equity capital to assets7.9197%6,623
Core capital (leverage) ratio8.0856%6,179
Tier 1 risk-based capital ratio10.9734%6,513
Total risk-based capital ratio11.7335%6,686
Memoranda:
Average total assets$273,366,3302,344
Average earning assets$242,250,0002,422
Average equity$22,594,6702,905
Average total loans$184,880,3302,163
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1419%1,455
Cost of funding earning assets1.1892%1,037
Net interest margin3.9527%2,704
Noninterest income to average assets0.4708%4,141
Noninterest expense to average assets2.9138%3,569
Loan and lease loss provision to assets0.4150%1,520
Net operating income to assets0.4352%5,106
Return on assets (ROA)0.6126%4,505
Pretax return on assets0.8812%4,103
Return on Equity (ROE)7.2464%3,632
Retained earnings to average equity (ytd only)5.0154%3,548
Net charge-offs to loans0.7839%1,311
Credit loss provision to net charge-offs75.7576%2,805
Earnings coverage of net charge-offs (x)1.9036%3,380
Efficiency ratio73.6461%3,146
Assets per employee ($millions)3.5548%4,990
Cash dividends to net income (ytd only)*30.7882%2,067
Condition Ratios (%)
Loss allowance to loans0.9474%6,426
Loan loss allowance to noncurrent loans38.0787%5,725
Noncurrent assets plus other real estate owned to assets2.6651%2,214
Noncurrent loans to loans2.4880%2,617
Net loans and leases to total assets66.9208%2,305
Net loans and leases to deposits79.6524%2,251
Net loans and leases to core deposits81.5997%2,886
Total domestic deposits to total assets84.0161%4,482
Equity capital to assets8.2303%6,335
Core capital (leverage) ratio8.5120%5,572
Tier 1 risk-based capital ratio10.7873%6,630
Total risk-based capital ratio11.6320%6,767
Memoranda:
Average total assets$265,081,5002,430
Average earning assets$233,764,5002,501
Average equity$22,411,0002,926
Average total loans$185,239,5002,167
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3068%1,678
Cost of funding earning assets1.3572%1,209
Net interest margin3.9496%3,108
Noninterest income to average assets0.5349%3,619
Noninterest expense to average assets2.9288%3,849
Loan and lease loss provision to assets0.1935%4,248
Net operating income to assets0.6613%3,692
Return on assets (ROA)0.6797%3,775
Pretax return on assets1.0292%3,126
Return on Equity (ROE)8.2068%2,803
Retained earnings to average equity (ytd only)5.7158%2,165
Net charge-offs to loans0.1191%5,192
Credit loss provision to net charge-offs228.3105%1,061
Earnings coverage of net charge-offs (x)14.0959%1,485
Efficiency ratio71.0250%3,777
Assets per employee ($millions)3.2877%5,534
Cash dividends to net income (ytd only)*30.3531%3,100
Condition Ratios (%)
Loss allowance to loans0.9916%6,263
Loan loss allowance to noncurrent loans36.7559%5,794
Noncurrent assets plus other real estate owned to assets2.7409%2,216
Noncurrent loans to loans2.6979%2,408
Net loans and leases to total assets71.6383%1,702
Net loans and leases to deposits85.9315%1,677
Net loans and leases to core deposits88.5547%2,313
Total domestic deposits to total assets83.3667%4,601
Equity capital to assets8.6935%5,908
Core capital (leverage) ratio8.4895%5,578
Tier 1 risk-based capital ratio10.8513%6,532
Total risk-based capital ratio11.7550%6,660
Memoranda:
Average total assets$258,365,6002,445
Average earning assets$234,756,2002,450
Average equity$21,396,8002,964
Average total loans$183,899,6002,183
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3051%1,832
Cost of funding earning assets1.3960%1,251
Net interest margin3.9091%3,340
Noninterest income to average assets0.5300%3,651
Noninterest expense to average assets2.9221%3,828
Loan and lease loss provision to assets0.2189%3,824
Net operating income to assets0.6715%3,759
Return on assets (ROA)0.7253%3,660
Pretax return on assets1.0158%3,349
Return on Equity (ROE)8.8666%2,664
Retained earnings to average equity (ytd only)8.1109%1,469
Net charge-offs to loans0.1475%4,593
Credit loss provision to net charge-offs209.3596%1,388
Earnings coverage of net charge-offs (x)11.0838%1,844
Efficiency ratio71.6017%3,638
Assets per employee ($millions)3.2878%5,504
Cash dividends to net income (ytd only)*8.5229%3,315
Condition Ratios (%)
Loss allowance to loans0.9636%6,410
Loan loss allowance to noncurrent loans57.1750%4,592
Noncurrent assets plus other real estate owned to assets2.1375%2,987
Noncurrent loans to loans1.6853%3,776
Net loans and leases to total assets70.4744%1,984
Net loans and leases to deposits84.1600%1,976
Net loans and leases to core deposits86.3275%2,736
Total domestic deposits to total assets83.7386%4,351
Equity capital to assets8.6333%6,167
Core capital (leverage) ratio8.5320%5,661
Tier 1 risk-based capital ratio10.8205%6,650
Total risk-based capital ratio11.6902%6,782
Memoranda:
Average total assets$258,846,0002,449
Average earning assets$235,139,7502,465
Average equity$21,172,5002,986
Average total loans$183,486,5002,215
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2979%1,901
Cost of funding earning assets1.4298%1,283
Net interest margin3.8681%3,447
Noninterest income to average assets0.5399%3,560
Noninterest expense to average assets2.8993%4,025
Loan and lease loss provision to assets0.2321%3,586
Net operating income to assets0.6769%3,658
Return on assets (ROA)0.7001%3,657
Pretax return on assets0.9561%3,404
Return on Equity (ROE)8.7207%2,629
Retained earnings to average equity (ytd only)7.5643%1,630
Net charge-offs to loans0.2196%3,807
Credit loss provision to net charge-offs149.2537%2,051
Earnings coverage of net charge-offs (x)7.4378%2,221
Efficiency ratio71.4858%3,825
Assets per employee ($millions)3.3623%5,300
Cash dividends to net income (ytd only)*13.2597%3,054
Condition Ratios (%)
Loss allowance to loans0.8965%6,669
Loan loss allowance to noncurrent loans58.6280%4,525
Noncurrent assets plus other real estate owned to assets2.0950%3,112
Noncurrent loans to loans1.5291%4,127
Net loans and leases to total assets70.7931%2,052
Net loans and leases to deposits84.5767%2,019
Net loans and leases to core deposits86.7706%2,788
Total domestic deposits to total assets83.7028%4,474
Equity capital to assets8.3361%6,378
Core capital (leverage) ratio8.3838%5,733
Tier 1 risk-based capital ratio10.5495%6,774
Total risk-based capital ratio11.3572%6,937
Memoranda:
Average total assets$258,549,0002,468
Average earning assets$235,000,6702,474
Average equity$20,755,3303,030
Average total loans$183,039,0002,249
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2989%1,869
Cost of funding earning assets1.4743%1,274
Net interest margin3.8246%3,490
Noninterest income to average assets0.5109%3,792
Noninterest expense to average assets2.8780%4,155
Loan and lease loss provision to assets0.2322%3,327
Net operating income to assets0.6446%3,778
Return on assets (ROA)0.6285%3,941
Pretax return on assets0.8530%3,695
Return on Equity (ROE)7.9835%2,921
Retained earnings to average equity (ytd only)7.9835%1,740
Net charge-offs to loans0.0483%4,459
Credit loss provision to net charge-offs681.8182%553
Earnings coverage of net charge-offs (x)32.5000%791
Efficiency ratio72.2222%3,816
Assets per employee ($millions)3.3173%5,435
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.9327%6,612
Loan loss allowance to noncurrent loans75.3461%3,707
Noncurrent assets plus other real estate owned to assets1.5938%3,860
Noncurrent loans to loans1.2379%4,618
Net loans and leases to total assets69.2515%2,277
Net loans and leases to deposits82.3231%2,304
Net loans and leases to core deposits84.3427%3,124
Total domestic deposits to total assets84.1216%4,441
Equity capital to assets7.9672%6,531
Core capital (leverage) ratio8.2401%5,921
Tier 1 risk-based capital ratio10.4943%6,805
Total risk-based capital ratio11.3264%6,979
Memoranda:
Average total assets$258,374,5002,488
Average earning assets$234,692,0002,499
Average equity$20,342,0003,065
Average total loans$182,088,5002,288
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5887%1,939
Cost of funding earning assets1.7603%1,337
Net interest margin3.8284%3,826
Noninterest income to average assets0.4636%4,418
Noninterest expense to average assets2.8587%4,381
Loan and lease loss provision to assets0.2770%4,592
Net operating income to assets0.5596%3,849
Return on assets (ROA)0.6840%3,415
Pretax return on assets0.9681%3,036
Return on Equity (ROE)8.7351%2,404
Retained earnings to average equity (ytd only)7.2901%1,209
Net charge-offs to loans0.1379%5,541
Credit loss provision to net charge-offs284.0000%959
Earnings coverage of net charge-offs (x)10.9680%1,652
Efficiency ratio72.7652%3,643
Assets per employee ($millions)3.2658%5,499
Cash dividends to net income (ytd only)*16.5431%3,567
Condition Ratios (%)
Loss allowance to loans0.8505%6,852
Loan loss allowance to noncurrent loans176.7574%1,690
Noncurrent assets plus other real estate owned to assets1.1702%4,671
Noncurrent loans to loans0.4812%6,075
Net loans and leases to total assets70.4431%2,420
Net loans and leases to deposits83.8926%2,467
Net loans and leases to core deposits85.1567%3,446
Total domestic deposits to total assets83.9683%4,375
Equity capital to assets7.7787%6,686
Core capital (leverage) ratio7.9826%6,227
Tier 1 risk-based capital ratio10.1759%6,887
Total risk-based capital ratio10.9361%7,085
Memoranda:
Average total assets$256,274,4002,488
Average earning assets$231,949,2002,506
Average equity$20,068,4003,138
Average total loans$181,252,4002,339
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5793%2,144
Cost of funding earning assets1.8121%1,372
Net interest margin3.7672%4,106
Noninterest income to average assets0.4695%4,418
Noninterest expense to average assets2.7678%4,608
Loan and lease loss provision to assets0.2866%4,280
Net operating income to assets0.5570%4,066
Return on assets (ROA)0.7108%3,519
Pretax return on assets1.0433%3,023
Return on Equity (ROE)9.0622%2,470
Retained earnings to average equity (ytd only)9.0622%1,038
Net charge-offs to loans0.1335%5,231
Credit loss provision to net charge-offs303.8674%1,052
Earnings coverage of net charge-offs (x)11.7015%1,765
Efficiency ratio71.4901%3,803
Assets per employee ($millions)3.4759%5,037
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.7881%7,032
Loan loss allowance to noncurrent loans143.2195%1,975
Noncurrent assets plus other real estate owned to assets1.3862%4,390
Noncurrent loans to loans0.5503%6,103
Net loans and leases to total assets69.9568%2,739
Net loans and leases to deposits83.9637%2,714
Net loans and leases to core deposits85.2245%3,765
Total domestic deposits to total assets83.3179%4,454
Equity capital to assets7.8911%6,872
Core capital (leverage) ratio7.9722%6,385
Tier 1 risk-based capital ratio9.9043%7,113
Total risk-based capital ratio10.6042%7,299
Memoranda:
Average total assets$255,842,7502,530
Average earning assets$231,039,2502,553
Average equity$20,068,2503,182
Average total loans$180,739,7502,388
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5983%2,143
Cost of funding earning assets1.8544%1,410
Net interest margin3.7439%4,166
Noninterest income to average assets0.4766%4,307
Noninterest expense to average assets2.7447%4,718
Loan and lease loss provision to assets0.3161%3,850
Net operating income to assets0.5504%4,092
Return on assets (ROA)0.6322%3,864
Pretax return on assets0.9089%3,459
Return on Equity (ROE)8.0771%2,858
Retained earnings to average equity (ytd only)8.0771%1,416
Net charge-offs to loans0.1118%5,042
Credit loss provision to net charge-offs400.0000%901
Earnings coverage of net charge-offs (x)14.0200%1,553
Efficiency ratio71.2410%3,949
Assets per employee ($millions)3.4098%5,159
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.7598%7,122
Loan loss allowance to noncurrent loans95.1054%2,885
Noncurrent assets plus other real estate owned to assets1.4378%4,312
Noncurrent loans to loans0.7989%5,676
Net loans and leases to total assets71.4484%2,551
Net loans and leases to deposits86.0369%2,502
Net loans and leases to core deposits87.7474%3,580
Total domestic deposits to total assets83.0439%4,553
Equity capital to assets7.9288%6,829
Core capital (leverage) ratio7.9622%6,312
Tier 1 risk-based capital ratio9.5163%7,255
Total risk-based capital ratio10.1751%7,440
Memoranda:
Average total assets$253,067,0002,572
Average earning assets$228,213,0002,598
Average equity$19,809,0003,200
Average total loans$178,895,3302,436
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5510%2,356
Cost of funding earning assets1.8874%1,503
Net interest margin3.6635%4,420
Noninterest income to average assets0.4656%4,334
Noninterest expense to average assets2.7124%4,845
Loan and lease loss provision to assets0.3972%2,989
Net operating income to assets0.4583%4,582
Return on assets (ROA)0.6118%3,992
Pretax return on assets0.8660%3,600
Return on Equity (ROE)7.8672%2,953
Retained earnings to average equity (ytd only)7.8672%1,765
Net charge-offs to loans0.0091%5,470
Credit loss provision to net charge-offs6,250.0000%74
Earnings coverage of net charge-offs (x)164.7500%204
Efficiency ratio72.1471%3,907
Assets per employee ($millions)3.4059%5,274
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.7606%7,219
Loan loss allowance to noncurrent loans64.4466%4,148
Noncurrent assets plus other real estate owned to assets1.2308%4,715
Noncurrent loans to loans1.1802%5,004
Net loans and leases to total assets69.6259%3,026
Net loans and leases to deposits83.7764%2,975
Net loans and leases to core deposits85.5664%3,962
Total domestic deposits to total assets83.1092%4,567
Equity capital to assets7.8461%6,812
Core capital (leverage) ratio7.9654%6,284
Tier 1 risk-based capital ratio9.6378%7,234
Total risk-based capital ratio10.2928%7,476
Memoranda:
Average total assets$251,732,0002,638
Average earning assets$226,338,5002,672
Average equity$19,575,0003,254
Average total loans$176,283,5002,527
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8501%2,439
Cost of funding earning assets2.2246%1,924
Net interest margin3.6254%4,451
Noninterest income to average assets0.4610%4,712
Noninterest expense to average assets2.8872%4,577
Loan and lease loss provision to assets0.2405%5,456
Net operating income to assets0.4697%3,858
Return on assets (ROA)0.5592%3,571
Pretax return on assets0.7793%3,306
Return on Equity (ROE)7.1370%2,743
Retained earnings to average equity (ytd only)4.6401%2,009
Net charge-offs to loans0.3512%4,473
Credit loss provision to net charge-offs93.5024%5,871
Earnings coverage of net charge-offs (x)3.4818%3,329
Efficiency ratio76.3280%3,471
Assets per employee ($millions)3.4920%5,014
Cash dividends to net income (ytd only)*34.9854%3,126
Condition Ratios (%)
Loss allowance to loans0.6254%7,523
Loan loss allowance to noncurrent loans96.1505%2,909
Noncurrent assets plus other real estate owned to assets0.8583%5,389
Noncurrent loans to loans0.6504%5,934
Net loans and leases to total assets69.4595%3,373
Net loans and leases to deposits84.1286%3,232
Net loans and leases to core deposits100.6768%3,931
Total domestic deposits to total assets82.5635%4,718
Equity capital to assets7.7060%6,854
Core capital (leverage) ratio7.8183%6,427
Tier 1 risk-based capital ratio9.4882%7,241
Total risk-based capital ratio10.0256%7,576
Memoranda:
Average total assets$245,360,0002,656
Average earning assets$224,801,4002,652
Average equity$19,223,8003,309
Average total loans$179,659,4002,516
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8890%2,498
Cost of funding earning assets2.2963%1,999
Net interest margin3.5927%4,504
Noninterest income to average assets0.4484%4,906
Noninterest expense to average assets2.9324%4,304
Loan and lease loss provision to assets0.1039%6,334
Net operating income to assets0.5202%3,897
Return on assets (ROA)0.5222%3,983
Pretax return on assets0.7228%3,785
Return on Equity (ROE)6.6366%3,243
Retained earnings to average equity (ytd only)6.6366%1,655
Net charge-offs to loans0.4244%3,561
Credit loss provision to net charge-offs33.0435%6,485
Earnings coverage of net charge-offs (x)2.6209%3,910
Efficiency ratio78.0640%3,156
Assets per employee ($millions)3.2969%5,412
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.4275%7,796
Loan loss allowance to noncurrent loans57.3273%4,534
Noncurrent assets plus other real estate owned to assets0.9407%5,188
Noncurrent loans to loans0.7456%5,820
Net loans and leases to total assets71.1261%3,239
Net loans and leases to deposits86.4676%3,236
Net loans and leases to core deposits104.2811%3,903
Total domestic deposits to total assets82.2575%4,564
Equity capital to assets8.0408%6,813
Core capital (leverage) ratio7.8979%6,504
Tier 1 risk-based capital ratio10.2529%6,734
Total risk-based capital ratio10.6505%7,406
Memoranda:
Average total assets$243,843,2502,690
Average earning assets$224,526,5002,680
Average equity$19,186,0003,355
Average total loans$180,639,5002,538
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9035%2,565
Cost of funding earning assets2.3651%2,099
Net interest margin3.5383%4,621
Noninterest income to average assets0.4516%4,834
Noninterest expense to average assets2.9460%4,308
Loan and lease loss provision to assets0.0618%6,596
Net operating income to assets0.5051%4,072
Return on assets (ROA)0.5051%4,193
Pretax return on assets0.7120%3,959
Return on Equity (ROE)6.4683%3,453
Retained earnings to average equity (ytd only)6.4683%1,811
Net charge-offs to loans0.2011%4,279
Credit loss provision to net charge-offs40.9836%5,887
Earnings coverage of net charge-offs (x)5.1311%2,907
Efficiency ratio79.1981%3,161
Assets per employee ($millions)2.9130%6,350
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.5710%7,688
Loan loss allowance to noncurrent loans68.4350%4,013
Noncurrent assets plus other real estate owned to assets0.7205%5,607
Noncurrent loans to loans0.8344%5,552
Net loans and leases to total assets73.4352%2,855
Net loans and leases to deposits89.8082%2,864
Net loans and leases to core deposits108.2235%3,582
Total domestic deposits to total assets81.7689%4,784
Equity capital to assets7.8507%6,912
Core capital (leverage) ratio7.8051%6,608
Tier 1 risk-based capital ratio9.2888%7,549
Total risk-based capital ratio9.7900%7,874
Memoranda:
Average total assets$242,702,6702,727
Average earning assets$224,172,3302,696
Average equity$18,954,0003,400
Average total loans$181,977,6702,547
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9199%2,699
Cost of funding earning assets2.4642%2,051
Net interest margin3.4556%4,915
Noninterest income to average assets0.4435%4,847
Noninterest expense to average assets2.8961%4,170
Loan and lease loss provision to assets0.0248%6,602
Net operating income to assets0.4832%4,499
Return on assets (ROA)0.4832%4,691
Pretax return on assets0.7182%4,367
Return on Equity (ROE)6.2042%3,952
Retained earnings to average equity (ytd only)6.2042%2,544
Net charge-offs to loans0.1183%4,025
Credit loss provision to net charge-offs27.7778%4,982
Earnings coverage of net charge-offs (x)8.3148%2,213
Efficiency ratio79.5816%2,891
Assets per employee ($millions)3.2966%5,328
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.6075%7,647
Loan loss allowance to noncurrent loans101.9444%3,014
Noncurrent assets plus other real estate owned to assets0.5468%5,833
Noncurrent loans to loans0.5959%5,905
Net loans and leases to total assets73.8406%2,794
Net loans and leases to deposits90.0801%2,919
Net loans and leases to core deposits109.5658%3,489
Total domestic deposits to total assets81.9722%4,559
Equity capital to assets7.8143%7,045
Core capital (leverage) ratio7.7689%6,790
Tier 1 risk-based capital ratio9.7965%7,146
Total risk-based capital ratio10.3700%7,733
Memoranda:
Average total assets$241,708,0002,752
Average earning assets$223,518,5002,725
Average equity$18,826,0003,437
Average total loans$182,605,5002,558
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4174%3,320
Cost of funding earning assets2.8383%2,537
Net interest margin3.5791%4,978
Noninterest income to average assets0.4910%4,677
Noninterest expense to average assets2.6895%5,314
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets0.7786%3,530
Return on assets (ROA)0.7786%3,372
Pretax return on assets1.1179%2,964
Return on Equity (ROE)10.3662%2,134
Retained earnings to average equity (ytd only)7.5227%979
Net charge-offs to loans0.0233%6,524
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)64.4634%630
Efficiency ratio70.6399%4,217
Assets per employee ($millions)3.1929%5,500
Cash dividends to net income (ytd only)*27.4307%4,200
Condition Ratios (%)
Loss allowance to loans0.6196%7,639
Loan loss allowance to noncurrent loans328.5303%1,238
Noncurrent assets plus other real estate owned to assets0.2510%6,574
Noncurrent loans to loans0.1886%6,827
Net loans and leases to total assets76.3515%2,529
Net loans and leases to deposits92.8266%2,991
Net loans and leases to core deposits113.0265%3,444
Total domestic deposits to total assets82.2517%4,100
Equity capital to assets7.7627%7,141
Core capital (leverage) ratio7.7259%6,888
Tier 1 risk-based capital ratio9.5081%7,296
Total risk-based capital ratio10.0936%7,921
Memoranda:
Average total assets$236,435,8002,684
Average earning assets$219,075,4002,670
Average equity$17,759,6003,601
Average total loans$176,059,2002,548