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Reliance Savings Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1269%3,631
Cost of funding earning assets0.4566%1,151
Net interest margin2.6702%3,929
Noninterest income to average assets0.9137%1,168
Noninterest expense to average assets2.3555%2,640
Loan and lease loss provision to assets-0.0455%4,330
Net operating income to assets0.8785%3,116
Return on assets (ROA)0.8784%3,175
Pretax return on assets1.1177%2,909
Return on Equity (ROE)8.5721%3,059
Retained earnings to average equity (ytd only)8.5721%1,321
Net charge-offs to loans0.0543%1,250
Credit loss provision to net charge-offs-142.1801%3,437
Earnings coverage of net charge-offs (x)33.5355%1,538
Efficiency ratio68.7166%1,896
Assets per employee ($millions)7.0271%1,907
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.4479%1,740
Loan loss allowance to noncurrent loans270.7132%2,203
Noncurrent assets plus other real estate owned to assets0.3375%1,878
Noncurrent loans to loans0.5348%1,791
Net loans and leases to total assets54.0009%2,854
Net loans and leases to deposits68.1352%2,302
Net loans and leases to core deposits71.7615%2,280
Total domestic deposits to total assets79.2556%4,289
Equity capital to assets10.3002%2,372
Core capital (leverage) ratio9.8562%2,513
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9558%1,274
Memoranda:
Average total assets$659,858,6001,344
Average earning assets$621,295,6001,335
Average equity$67,615,0001,389
Average total loans$388,306,6001,408
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1515%3,698
Cost of funding earning assets0.4712%1,207
Net interest margin2.6802%4,011
Noninterest income to average assets0.9954%1,078
Noninterest expense to average assets2.2941%2,768
Loan and lease loss provision to assets0.0407%2,186
Net operating income to assets0.9398%3,121
Return on assets (ROA)0.9398%3,204
Pretax return on assets1.1814%2,988
Return on Equity (ROE)9.1836%3,046
Retained earnings to average equity (ytd only)9.1836%1,625
Net charge-offs to loans0.0804%866
Credit loss provision to net charge-offs84.3882%1,698
Earnings coverage of net charge-offs (x)25.3755%1,618
Efficiency ratio65.2450%2,208
Assets per employee ($millions)7.0483%1,832
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.5369%1,505
Loan loss allowance to noncurrent loans372.9834%1,689
Noncurrent assets plus other real estate owned to assets0.2752%2,404
Noncurrent loans to loans0.4120%2,324
Net loans and leases to total assets55.1641%2,831
Net loans and leases to deposits70.2366%2,217
Net loans and leases to core deposits74.0495%2,239
Total domestic deposits to total assets78.5403%4,371
Equity capital to assets10.1968%2,716
Core capital (leverage) ratio9.9551%2,566
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5697%1,459
Memoranda:
Average total assets$656,172,0001,364
Average earning assets$617,096,5001,358
Average equity$67,147,2501,406
Average total loans$392,972,0001,428
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1748%3,719
Cost of funding earning assets0.4852%1,289
Net interest margin2.6896%4,000
Noninterest income to average assets1.0965%932
Noninterest expense to average assets2.3063%2,755
Loan and lease loss provision to assets0.0616%1,815
Net operating income to assets1.0028%2,873
Return on assets (ROA)1.0028%2,955
Pretax return on assets1.2520%2,762
Return on Equity (ROE)9.7879%2,832
Retained earnings to average equity (ytd only)9.7879%1,467
Net charge-offs to loans0.0936%773
Credit loss provision to net charge-offs107.5269%1,324
Earnings coverage of net charge-offs (x)22.9301%1,475
Efficiency ratio63.7114%2,469
Assets per employee ($millions)7.0642%1,759
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.4829%1,650
Loan loss allowance to noncurrent loans887.9154%811
Noncurrent assets plus other real estate owned to assets0.1449%3,279
Noncurrent loans to loans0.1670%3,379
Net loans and leases to total assets58.8086%2,570
Net loans and leases to deposits75.3251%1,890
Net loans and leases to core deposits79.1869%1,944
Total domestic deposits to total assets78.0730%4,426
Equity capital to assets10.2317%2,635
Core capital (leverage) ratio10.0659%2,340
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5481%1,457
Memoranda:
Average total assets$649,350,6671,369
Average earning assets$609,242,0001,364
Average equity$66,531,3331,408
Average total loans$397,600,6671,417
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2443%3,595
Cost of funding earning assets0.5097%1,332
Net interest margin2.7346%3,894
Noninterest income to average assets1.3128%745
Noninterest expense to average assets2.3844%2,541
Loan and lease loss provision to assets0.0623%1,885
Net operating income to assets1.1339%2,375
Return on assets (ROA)1.1339%2,451
Pretax return on assets1.4268%2,201
Return on Equity (ROE)11.0595%2,350
Retained earnings to average equity (ytd only)11.0595%1,388
Net charge-offs to loans0.1125%626
Credit loss provision to net charge-offs89.2857%1,171
Earnings coverage of net charge-offs (x)21.3393%1,224
Efficiency ratio61.5570%2,829
Assets per employee ($millions)6.8036%1,930
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.4872%1,651
Loan loss allowance to noncurrent loans694.8931%909
Noncurrent assets plus other real estate owned to assets0.1644%3,343
Noncurrent loans to loans0.2140%3,340
Net loans and leases to total assets59.3383%2,630
Net loans and leases to deposits77.1357%1,788
Net loans and leases to core deposits82.0089%1,837
Total domestic deposits to total assets76.9272%4,521
Equity capital to assets10.0932%2,620
Core capital (leverage) ratio10.1046%2,440
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4436%1,759
Memoranda:
Average total assets$642,010,0001,371
Average earning assets$601,178,5001,370
Average equity$65,826,0001,415
Average total loans$398,208,0001,419
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6856%3,613
Cost of funding earning assets0.8394%1,059
Net interest margin2.8461%4,193
Noninterest income to average assets1.2512%720
Noninterest expense to average assets2.5993%2,549
Loan and lease loss provision to assets0.2860%1,328
Net operating income to assets0.8186%3,019
Return on assets (ROA)0.8819%2,913
Pretax return on assets1.1140%2,635
Return on Equity (ROE)8.2987%2,691
Retained earnings to average equity (ytd only)8.2987%971
Net charge-offs to loans0.0251%2,540
Credit loss provision to net charge-offs1,689.0000%502
Earnings coverage of net charge-offs (x)77.9600%908
Efficiency ratio66.3225%2,482
Assets per employee ($millions)6.1250%2,234
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.4548%1,754
Loan loss allowance to noncurrent loans423.0159%1,317
Noncurrent assets plus other real estate owned to assets0.2197%3,191
Noncurrent loans to loans0.3439%2,972
Net loans and leases to total assets62.9502%2,492
Net loans and leases to deposits82.8118%1,569
Net loans and leases to core deposits89.4336%1,574
Total domestic deposits to total assets76.0160%4,506
Equity capital to assets10.4187%2,741
Core capital (leverage) ratio9.8862%2,711
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1550%1,800
Memoranda:
Average total assets$590,653,8001,344
Average earning assets$553,701,2001,337
Average equity$62,769,0001,398
Average total loans$398,879,4001,361
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7704%3,642
Cost of funding earning assets0.9047%1,059
Net interest margin2.8656%4,240
Noninterest income to average assets1.2217%727
Noninterest expense to average assets2.5320%2,738
Loan and lease loss provision to assets0.3190%1,243
Net operating income to assets0.8577%2,872
Return on assets (ROA)0.9528%2,644
Pretax return on assets1.1735%2,479
Return on Equity (ROE)8.9182%2,428
Retained earnings to average equity (ytd only)8.9182%1,003
Net charge-offs to loans0.0332%2,164
Credit loss provision to net charge-offs1,403.0303%650
Earnings coverage of net charge-offs (x)60.4848%1,093
Efficiency ratio64.8055%2,625
Assets per employee ($millions)6.5221%1,813
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.3796%1,829
Loan loss allowance to noncurrent loans375.6921%1,356
Noncurrent assets plus other real estate owned to assets0.2390%3,248
Noncurrent loans to loans0.3672%2,967
Net loans and leases to total assets64.1929%2,750
Net loans and leases to deposits85.9019%1,718
Net loans and leases to core deposits93.3360%1,684
Total domestic deposits to total assets74.7282%4,525
Equity capital to assets10.4794%2,810
Core capital (leverage) ratio10.0941%2,628
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8835%1,865
Memoranda:
Average total assets$580,598,5001,346
Average earning assets$544,088,2501,340
Average equity$62,029,0001,401
Average total loans$397,849,2501,350
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9114%3,584
Cost of funding earning assets0.9703%1,070
Net interest margin2.9410%4,240
Noninterest income to average assets0.9038%1,162
Noninterest expense to average assets2.4729%3,041
Loan and lease loss provision to assets0.3837%1,072
Net operating income to assets0.6589%3,552
Return on assets (ROA)0.7999%3,160
Pretax return on assets0.9820%3,078
Return on Equity (ROE)7.4351%2,955
Retained earnings to average equity (ytd only)7.4351%1,489
Net charge-offs to loans0.0429%1,886
Credit loss provision to net charge-offs1,281.1765%674
Earnings coverage of net charge-offs (x)39.7882%1,255
Efficiency ratio67.4808%2,309
Assets per employee ($millions)6.3672%1,885
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.2723%2,147
Loan loss allowance to noncurrent loans364.7547%1,327
Noncurrent assets plus other real estate owned to assets0.2392%3,364
Noncurrent loans to loans0.3488%3,147
Net loans and leases to total assets67.7098%2,407
Net loans and leases to deposits91.5368%1,210
Net loans and leases to core deposits100.4387%1,225
Total domestic deposits to total assets73.9701%4,597
Equity capital to assets10.3868%2,850
Core capital (leverage) ratio10.0933%2,745
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9526%2,198
Memoranda:
Average total assets$567,596,6671,354
Average earning assets$532,805,0001,340
Average equity$61,061,6671,408
Average total loans$396,030,3331,336
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0888%3,554
Cost of funding earning assets1.0707%1,140
Net interest margin3.0181%4,253
Noninterest income to average assets0.7010%1,645
Noninterest expense to average assets2.6020%2,977
Loan and lease loss provision to assets0.2718%1,152
Net operating income to assets0.5316%3,803
Return on assets (ROA)0.7024%3,340
Pretax return on assets0.8729%3,215
Return on Equity (ROE)6.4076%3,170
Retained earnings to average equity (ytd only)6.4076%1,747
Net charge-offs to loans0.0445%1,582
Credit loss provision to net charge-offs867.4419%631
Earnings coverage of net charge-offs (x)29.7209%1,188
Efficiency ratio73.6441%1,864
Assets per employee ($millions)5.5285%2,089
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.2001%2,674
Loan loss allowance to noncurrent loans319.7222%1,434
Noncurrent assets plus other real estate owned to assets0.2658%3,395
Noncurrent loans to loans0.3754%3,136
Net loans and leases to total assets69.9565%2,258
Net loans and leases to deposits96.5811%851
Net loans and leases to core deposits107.6153%961
Total domestic deposits to total assets72.4329%4,752
Equity capital to assets11.2478%2,638
Core capital (leverage) ratio10.6527%2,782
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9689%1,915
Memoranda:
Average total assets$548,953,0001,359
Average earning assets$515,160,5001,338
Average equity$60,178,5001,416
Average total loans$386,623,5001,332
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3202%3,483
Cost of funding earning assets1.2556%875
Net interest margin3.0646%4,425
Noninterest income to average assets0.6953%1,840
Noninterest expense to average assets2.5533%3,310
Loan and lease loss provision to assets0.2184%893
Net operating income to assets0.6415%4,034
Return on assets (ROA)0.6594%4,062
Pretax return on assets0.8119%3,950
Return on Equity (ROE)6.2464%3,833
Retained earnings to average equity (ytd only)6.2464%1,744
Net charge-offs to loans0.5189%358
Credit loss provision to net charge-offs59.2408%3,045
Earnings coverage of net charge-offs (x)2.7343%3,383
Efficiency ratio71.6916%1,910
Assets per employee ($millions)5.6173%1,958
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.0970%2,970
Loan loss allowance to noncurrent loans382.6321%1,232
Noncurrent assets plus other real estate owned to assets0.2009%3,663
Noncurrent loans to loans0.2867%3,411
Net loans and leases to total assets69.2934%2,502
Net loans and leases to deposits96.4096%905
Net loans and leases to core deposits105.5401%1,137
Total domestic deposits to total assets71.8740%4,871
Equity capital to assets10.6872%3,268
Core capital (leverage) ratio10.1698%3,332
Tier 1 risk-based capital ratio13.2493%3,648
Total risk-based capital ratio14.2529%3,666
Memoranda:
Average total assets$542,952,0001,321
Average earning assets$507,795,8001,312
Average equity$57,313,0001,419
Average total loans$385,818,0001,307
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3451%3,527
Cost of funding earning assets1.2477%918
Net interest margin3.0973%4,480
Noninterest income to average assets0.6853%1,848
Noninterest expense to average assets2.6201%3,107
Loan and lease loss provision to assets0.2567%624
Net operating income to assets0.5808%4,339
Return on assets (ROA)0.6043%4,337
Pretax return on assets0.7325%4,275
Return on Equity (ROE)5.7434%4,115
Retained earnings to average equity (ytd only)5.7434%2,480
Net charge-offs to loans0.6967%226
Credit loss provision to net charge-offs51.6658%2,778
Earnings coverage of net charge-offs (x)1.9334%3,239
Efficiency ratio73.1733%1,677
Assets per employee ($millions)5.8209%1,743
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0585%3,235
Loan loss allowance to noncurrent loans405.3150%1,166
Noncurrent assets plus other real estate owned to assets0.1818%3,851
Noncurrent loans to loans0.2612%3,608
Net loans and leases to total assets68.8820%2,643
Net loans and leases to deposits94.9931%1,125
Net loans and leases to core deposits105.5073%1,220
Total domestic deposits to total assets72.5126%4,894
Equity capital to assets10.5228%3,522
Core capital (leverage) ratio10.4219%3,169
Tier 1 risk-based capital ratio13.1310%3,775
Total risk-based capital ratio14.1090%3,822
Memoranda:
Average total assets$539,662,0001,340
Average earning assets$504,469,0001,328
Average equity$56,783,0001,426
Average total loans$384,866,7501,312
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3939%3,351
Cost of funding earning assets1.2415%893
Net interest margin3.1524%4,449
Noninterest income to average assets0.6439%1,948
Noninterest expense to average assets2.6594%3,033
Loan and lease loss provision to assets0.2790%524
Net operating income to assets0.5413%4,443
Return on assets (ROA)0.5494%4,457
Pretax return on assets0.6608%4,423
Return on Equity (ROE)5.2219%4,287
Retained earnings to average equity (ytd only)5.2219%2,656
Net charge-offs to loans1.0577%130
Credit loss provision to net charge-offs36.6864%2,561
Earnings coverage of net charge-offs (x)1.2229%3,040
Efficiency ratio74.0884%1,633
Assets per employee ($millions)5.7871%1,705
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.9913%3,672
Loan loss allowance to noncurrent loans459.1074%1,077
Noncurrent assets plus other real estate owned to assets0.1812%3,860
Noncurrent loans to loans0.2159%3,767
Net loans and leases to total assets72.1834%2,187
Net loans and leases to deposits100.9928%609
Net loans and leases to core deposits113.9813%778
Total domestic deposits to total assets71.4738%4,996
Equity capital to assets10.9521%3,116
Core capital (leverage) ratio10.2427%3,344
Tier 1 risk-based capital ratio13.3119%3,687
Total risk-based capital ratio14.2447%3,748
Memoranda:
Average total assets$533,281,0001,351
Average earning assets$498,287,0001,337
Average equity$56,110,0001,432
Average total loans$383,477,6701,325
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3360%3,443
Cost of funding earning assets1.1960%914
Net interest margin3.1400%4,514
Noninterest income to average assets0.5322%2,375
Noninterest expense to average assets2.6582%3,036
Loan and lease loss provision to assets0.2564%561
Net operating income to assets0.4653%4,610
Return on assets (ROA)0.4659%4,629
Pretax return on assets0.5538%4,594
Return on Equity (ROE)4.5186%4,463
Retained earnings to average equity (ytd only)4.5186%3,114
Net charge-offs to loans0.0605%1,432
Credit loss provision to net charge-offs593.1034%546
Earnings coverage of net charge-offs (x)18.7241%1,615
Efficiency ratio76.6552%1,426
Assets per employee ($millions)5.4717%2,007
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.3937%1,700
Loan loss allowance to noncurrent loans200.7092%2,177
Noncurrent assets plus other real estate owned to assets0.5176%2,556
Noncurrent loans to loans0.6944%2,283
Net loans and leases to total assets70.2311%2,447
Net loans and leases to deposits98.0344%782
Net loans and leases to core deposits110.6316%890
Total domestic deposits to total assets71.6392%5,057
Equity capital to assets10.3423%3,483
Core capital (leverage) ratio10.0397%3,566
Tier 1 risk-based capital ratio13.0280%3,869
Total risk-based capital ratio14.2786%3,768
Memoranda:
Average total assets$536,607,5001,346
Average earning assets$501,664,0001,339
Average equity$55,326,5001,441
Average total loans$383,244,5001,334
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0908%3,769
Cost of funding earning assets0.9337%981
Net interest margin3.1571%4,562
Noninterest income to average assets0.6983%1,860
Noninterest expense to average assets2.7495%2,859
Loan and lease loss provision to assets0.1808%1,084
Net operating income to assets0.5595%4,525
Return on assets (ROA)0.5633%4,517
Pretax return on assets0.7196%4,363
Return on Equity (ROE)5.3363%4,373
Retained earnings to average equity (ytd only)5.3363%2,573
Net charge-offs to loans0.0195%3,048
Credit loss provision to net charge-offs1,267.6056%319
Earnings coverage of net charge-offs (x)62.7887%997
Efficiency ratio75.4299%1,436
Assets per employee ($millions)5.2109%2,251
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.3371%1,883
Loan loss allowance to noncurrent loans180.5605%2,402
Noncurrent assets plus other real estate owned to assets0.5539%2,396
Noncurrent loans to loans0.7405%2,146
Net loans and leases to total assets70.6624%2,470
Net loans and leases to deposits98.2823%874
Net loans and leases to core deposits111.1009%933
Total domestic deposits to total assets71.8974%5,076
Equity capital to assets10.2783%3,400
Core capital (leverage) ratio10.1074%3,451
Tier 1 risk-based capital ratio13.1127%3,782
Total risk-based capital ratio14.3633%3,670
Memoranda:
Average total assets$497,762,0001,412
Average earning assets$464,602,2001,405
Average equity$52,545,4001,451
Average total loans$364,840,4001,348
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0065%3,910
Cost of funding earning assets0.8749%1,015
Net interest margin3.1317%4,648
Noninterest income to average assets0.6809%1,933
Noninterest expense to average assets2.7973%2,636
Loan and lease loss provision to assets0.1703%1,097
Net operating income to assets0.5267%4,703
Return on assets (ROA)0.5267%4,707
Pretax return on assets0.6327%4,676
Return on Equity (ROE)4.9540%4,579
Retained earnings to average equity (ytd only)4.9540%3,263
Net charge-offs to loans0.0251%2,618
Credit loss provision to net charge-offs919.1176%436
Earnings coverage of net charge-offs (x)43.3404%1,285
Efficiency ratio77.6962%1,147
Assets per employee ($millions)5.3131%2,107
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.2612%2,303
Loan loss allowance to noncurrent loans156.6320%2,662
Noncurrent assets plus other real estate owned to assets0.6148%2,339
Noncurrent loans to loans0.8052%2,096
Net loans and leases to total assets72.4456%2,261
Net loans and leases to deposits99.0193%861
Net loans and leases to core deposits112.4727%895
Total domestic deposits to total assets73.1631%5,046
Equity capital to assets10.1004%3,542
Core capital (leverage) ratio10.4348%3,145
Tier 1 risk-based capital ratio13.1725%3,802
Total risk-based capital ratio14.3936%3,727
Memoranda:
Average total assets$489,323,5001,443
Average earning assets$456,143,2501,427
Average equity$52,024,0001,467
Average total loans$360,882,5001,364
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9380%3,968
Cost of funding earning assets0.8105%1,083
Net interest margin3.1275%4,668
Noninterest income to average assets0.6795%1,960
Noninterest expense to average assets2.9098%2,330
Loan and lease loss provision to assets0.1295%1,528
Net operating income to assets0.4673%4,827
Return on assets (ROA)0.4673%4,831
Pretax return on assets0.5571%4,801
Return on Equity (ROE)4.3175%4,742
Retained earnings to average equity (ytd only)4.3175%3,441
Net charge-offs to loans0.0373%2,105
Credit loss provision to net charge-offs469.6970%736
Earnings coverage of net charge-offs (x)24.9091%1,657
Efficiency ratio80.9081%925
Assets per employee ($millions)4.8649%2,601
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.2227%2,592
Loan loss allowance to noncurrent loans143.6543%2,845
Noncurrent assets plus other real estate owned to assets0.6637%2,245
Noncurrent loans to loans0.8511%2,019
Net loans and leases to total assets74.0714%1,936
Net loans and leases to deposits104.3258%513
Net loans and leases to core deposits117.9667%631
Total domestic deposits to total assets71.0001%5,233
Equity capital to assets10.6036%3,024
Core capital (leverage) ratio10.6739%2,844
Tier 1 risk-based capital ratio13.6468%3,532
Total risk-based capital ratio14.8484%3,470
Memoranda:
Average total assets$478,870,3301,471
Average earning assets$446,620,3301,464
Average equity$51,835,0001,471
Average total loans$353,833,3301,382
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8476%4,092
Cost of funding earning assets0.7381%1,249
Net interest margin3.1096%4,687
Noninterest income to average assets0.6678%1,967
Noninterest expense to average assets3.1238%1,757
Loan and lease loss provision to assets0.1066%1,751
Net operating income to assets0.2894%5,112
Return on assets (ROA)0.2894%5,115
Pretax return on assets0.3326%5,118
Return on Equity (ROE)2.6459%5,084
Retained earnings to average equity (ytd only)2.6459%4,119
Net charge-offs to loans0.0577%1,526
Credit loss provision to net charge-offs252.0000%903
Earnings coverage of net charge-offs (x)10.3800%1,903
Efficiency ratio87.6722%552
Assets per employee ($millions)4.8529%2,679
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2428%2,554
Loan loss allowance to noncurrent loans147.1007%2,779
Noncurrent assets plus other real estate owned to assets0.6398%2,398
Noncurrent loans to loans0.8449%2,122
Net loans and leases to total assets71.7478%2,215
Net loans and leases to deposits97.6147%898
Net loans and leases to core deposits110.4663%971
Total domestic deposits to total assets73.5010%5,194
Equity capital to assets10.7224%2,849
Core capital (leverage) ratio10.7828%2,645
Tier 1 risk-based capital ratio13.9841%3,387
Total risk-based capital ratio15.1881%3,329
Memoranda:
Average total assets$472,629,0001,502
Average earning assets$440,063,0001,494
Average equity$51,702,0001,490
Average total loans$346,521,5001,417
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7777%4,118
Cost of funding earning assets0.6380%1,366
Net interest margin3.1397%4,600
Noninterest income to average assets0.7779%1,651
Noninterest expense to average assets2.7963%2,789
Loan and lease loss provision to assets0.1332%1,720
Net operating income to assets0.2205%5,067
Return on assets (ROA)0.2249%5,077
Pretax return on assets0.7676%4,339
Return on Equity (ROE)1.9433%5,067
Retained earnings to average equity (ytd only)1.9433%4,161
Net charge-offs to loans0.0767%2,356
Credit loss provision to net charge-offs230.7692%1,200
Earnings coverage of net charge-offs (x)15.4846%2,244
Efficiency ratio75.7747%1,656
Assets per employee ($millions)4.7427%2,808
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.2386%2,545
Loan loss allowance to noncurrent loans145.4266%2,858
Noncurrent assets plus other real estate owned to assets0.6573%2,355
Noncurrent loans to loans0.8517%2,089
Net loans and leases to total assets73.0972%2,079
Net loans and leases to deposits100.0686%723
Net loans and leases to core deposits111.3035%934
Total domestic deposits to total assets73.0470%5,255
Equity capital to assets11.1555%2,481
Core capital (leverage) ratio10.8732%2,450
Tier 1 risk-based capital ratio14.1676%3,274
Total risk-based capital ratio15.3802%3,192
Memoranda:
Average total assets$450,337,4001,546
Average earning assets$417,742,0001,540
Average equity$52,128,4001,471
Average total loans$338,783,6001,416
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7578%4,149
Cost of funding earning assets0.6248%1,383
Net interest margin3.1330%4,613
Noninterest income to average assets0.8124%1,540
Noninterest expense to average assets2.8300%2,632
Loan and lease loss provision to assets0.1343%1,613
Net operating income to assets0.5390%4,618
Return on assets (ROA)0.5444%4,633
Pretax return on assets0.7560%4,464
Return on Equity (ROE)4.6590%4,649
Retained earnings to average equity (ytd only)4.6590%3,108
Net charge-offs to loans0.1090%1,700
Credit loss provision to net charge-offs163.0435%1,577
Earnings coverage of net charge-offs (x)10.7174%2,565
Efficiency ratio76.2219%1,559
Assets per employee ($millions)4.7174%2,811
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.2110%2,864
Loan loss allowance to noncurrent loans151.8917%2,759
Noncurrent assets plus other real estate owned to assets0.6406%2,582
Noncurrent loans to loans0.7973%2,362
Net loans and leases to total assets73.7628%1,953
Net loans and leases to deposits101.1366%669
Net loans and leases to core deposits115.2267%780
Total domestic deposits to total assets72.9339%5,318
Equity capital to assets11.7646%2,139
Core capital (leverage) ratio11.3628%2,131
Tier 1 risk-based capital ratio14.9847%2,924
Total risk-based capital ratio16.1978%2,865
Memoranda:
Average total assets$446,725,7501,564
Average earning assets$413,561,2501,565
Average equity$52,198,2501,484
Average total loans$337,478,2501,427
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7203%4,160
Cost of funding earning assets0.6000%1,447
Net interest margin3.1202%4,630
Noninterest income to average assets0.7799%1,647
Noninterest expense to average assets2.8308%2,645
Loan and lease loss provision to assets0.1349%1,539
Net operating income to assets0.5224%4,642
Return on assets (ROA)0.5294%4,645
Pretax return on assets0.7192%4,499
Return on Equity (ROE)4.5410%4,650
Retained earnings to average equity (ytd only)4.5410%3,006
Net charge-offs to loans0.1269%1,401
Credit loss provision to net charge-offs140.1869%1,595
Earnings coverage of net charge-offs (x)8.7757%2,485
Efficiency ratio77.0191%1,582
Assets per employee ($millions)4.8056%2,643
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.1830%3,122
Loan loss allowance to noncurrent loans134.4180%2,988
Noncurrent assets plus other real estate owned to assets0.7106%2,433
Noncurrent loans to loans0.8801%2,217
Net loans and leases to total assets74.8915%1,713
Net loans and leases to deposits101.5787%631
Net loans and leases to core deposits114.0399%798
Total domestic deposits to total assets73.7276%5,318
Equity capital to assets11.7674%2,102
Core capital (leverage) ratio11.3542%2,084
Tier 1 risk-based capital ratio14.2822%3,274
Total risk-based capital ratio15.4283%3,243
Memoranda:
Average total assets$444,678,0001,582
Average earning assets$412,659,3301,569
Average equity$51,838,3301,498
Average total loans$337,256,3301,428
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7050%4,108
Cost of funding earning assets0.5828%1,495
Net interest margin3.1221%4,596
Noninterest income to average assets0.6962%1,989
Noninterest expense to average assets2.8271%2,698
Loan and lease loss provision to assets0.1127%1,697
Net operating income to assets0.4940%4,625
Return on assets (ROA)0.5041%4,612
Pretax return on assets0.6682%4,536
Return on Equity (ROE)4.3450%4,649
Retained earnings to average equity (ytd only)4.3450%3,252
Net charge-offs to loans0.2294%783
Credit loss provision to net charge-offs64.7668%1,873
Earnings coverage of net charge-offs (x)4.4093%2,391
Efficiency ratio78.6503%1,542
Assets per employee ($millions)4.6145%2,986
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.1467%3,433
Loan loss allowance to noncurrent loans517.8763%1,029
Noncurrent assets plus other real estate owned to assets0.2452%4,240
Noncurrent loans to loans0.2214%4,312
Net loans and leases to total assets74.9827%1,578
Net loans and leases to deposits101.8277%506
Net loans and leases to core deposits115.4619%610
Total domestic deposits to total assets73.6369%5,442
Equity capital to assets11.6974%2,038
Core capital (leverage) ratio11.2333%2,161
Tier 1 risk-based capital ratio14.2204%3,350
Total risk-based capital ratio15.3314%3,345
Memoranda:
Average total assets$443,556,5001,588
Average earning assets$411,773,0001,583
Average equity$51,462,0001,502
Average total loans$336,528,0001,434
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7662%4,003
Cost of funding earning assets0.5889%1,416
Net interest margin3.1774%4,512
Noninterest income to average assets0.8819%1,473
Noninterest expense to average assets3.0640%2,130
Loan and lease loss provision to assets0.0577%3,231
Net operating income to assets0.5048%4,613
Return on assets (ROA)0.5253%4,618
Pretax return on assets0.7118%4,453
Return on Equity (ROE)4.4994%4,657
Retained earnings to average equity (ytd only)4.4994%2,702
Net charge-offs to loans0.0389%3,249
Credit loss provision to net charge-offs192.3077%1,475
Earnings coverage of net charge-offs (x)24.7231%1,621
Efficiency ratio80.5094%1,359
Assets per employee ($millions)4.5785%3,000
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.1634%3,349
Loan loss allowance to noncurrent loans322.1857%1,537
Noncurrent assets plus other real estate owned to assets0.3423%3,914
Noncurrent loans to loans0.3611%3,836
Net loans and leases to total assets75.0053%1,692
Net loans and leases to deposits100.9467%605
Net loans and leases to core deposits114.9811%658
Total domestic deposits to total assets74.3019%5,418
Equity capital to assets11.5071%2,166
Core capital (leverage) ratio11.2557%2,121
Tier 1 risk-based capital ratio13.8447%3,550
Total risk-based capital ratio14.9581%3,547
Memoranda:
Average total assets$433,284,8001,570
Average earning assets$398,726,0001,574
Average equity$50,584,6001,501
Average total loans$333,839,8001,400
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8032%3,909
Cost of funding earning assets0.5608%1,605
Net interest margin3.2424%4,369
Noninterest income to average assets0.8389%1,612
Noninterest expense to average assets2.9145%2,597
Loan and lease loss provision to assets0.0582%3,083
Net operating income to assets0.6135%4,238
Return on assets (ROA)0.6404%4,246
Pretax return on assets0.8803%4,049
Return on Equity (ROE)5.4648%4,326
Retained earnings to average equity (ytd only)5.4648%2,505
Net charge-offs to loans0.0288%3,082
Credit loss provision to net charge-offs261.1111%1,161
Earnings coverage of net charge-offs (x)40.4434%1,233
Efficiency ratio76.3713%1,923
Assets per employee ($millions)4.5290%3,042
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.1827%3,354
Loan loss allowance to noncurrent loans417.1459%1,229
Noncurrent assets plus other real estate owned to assets0.3167%4,142
Noncurrent loans to loans0.2835%4,248
Net loans and leases to total assets75.2735%1,657
Net loans and leases to deposits102.1186%561
Net loans and leases to core deposits115.8613%661
Total domestic deposits to total assets73.7118%5,461
Equity capital to assets11.8767%2,201
Core capital (leverage) ratio11.4074%2,104
Tier 1 risk-based capital ratio14.2817%3,410
Total risk-based capital ratio15.4375%3,390
Memoranda:
Average total assets$430,576,2501,571
Average earning assets$395,380,5001,591
Average equity$50,454,5001,511
Average total loans$333,041,2501,402
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7771%4,032
Cost of funding earning assets0.5546%1,660
Net interest margin3.2225%4,478
Noninterest income to average assets0.7624%1,880
Noninterest expense to average assets2.9214%2,608
Loan and lease loss provision to assets0.0876%2,393
Net operating income to assets0.5338%4,549
Return on assets (ROA)0.5634%4,545
Pretax return on assets0.7587%4,426
Return on Equity (ROE)4.8302%4,588
Retained earnings to average equity (ytd only)4.8302%2,848
Net charge-offs to loans0.0360%2,735
Credit loss provision to net charge-offs313.3333%932
Earnings coverage of net charge-offs (x)28.8333%1,418
Efficiency ratio78.3723%1,731
Assets per employee ($millions)4.5029%3,025
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.1769%3,484
Loan loss allowance to noncurrent loans268.0082%1,796
Noncurrent assets plus other real estate owned to assets0.4009%3,891
Noncurrent loans to loans0.4391%3,794
Net loans and leases to total assets76.3205%1,440
Net loans and leases to deposits102.5004%535
Net loans and leases to core deposits117.3699%596
Total domestic deposits to total assets74.4587%5,474
Equity capital to assets11.7638%2,300
Core capital (leverage) ratio11.1248%2,305
Tier 1 risk-based capital ratio14.0370%3,587
Total risk-based capital ratio15.1934%3,556
Memoranda:
Average total assets$429,173,3301,579
Average earning assets$394,910,0001,593
Average equity$50,060,0001,523
Average total loans$333,656,6701,400
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8095%3,911
Cost of funding earning assets0.5484%1,728
Net interest margin3.2611%4,356
Noninterest income to average assets0.6950%2,065
Noninterest expense to average assets2.9390%2,575
Loan and lease loss provision to assets0.1057%1,936
Net operating income to assets0.4979%4,635
Return on assets (ROA)0.5107%4,695
Pretax return on assets0.6763%4,602
Return on Equity (ROE)4.3976%4,743
Retained earnings to average equity (ytd only)4.3976%3,280
Net charge-offs to loans0.0024%3,041
Credit loss provision to net charge-offs5,650.0000%70
Earnings coverage of net charge-offs (x)409.0000%147
Efficiency ratio79.3434%1,691
Assets per employee ($millions)4.5439%2,992
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.1837%3,583
Loan loss allowance to noncurrent loans257.7075%1,828
Noncurrent assets plus other real estate owned to assets0.4297%3,870
Noncurrent loans to loans0.4593%3,798
Net loans and leases to total assets75.6548%1,442
Net loans and leases to deposits101.4006%538
Net loans and leases to core deposits115.6097%608
Total domestic deposits to total assets74.6098%5,559
Equity capital to assets11.6061%2,342
Core capital (leverage) ratio11.0839%2,332
Tier 1 risk-based capital ratio14.0583%3,652
Total risk-based capital ratio15.2277%3,638
Memoranda:
Average total assets$427,622,0001,582
Average earning assets$394,594,5001,589
Average equity$49,664,0001,537
Average total loans$333,563,0001,388
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8362%3,928
Cost of funding earning assets0.5245%1,963
Net interest margin3.3117%4,247
Noninterest income to average assets0.8663%1,542
Noninterest expense to average assets3.1028%2,229
Loan and lease loss provision to assets0.1090%2,173
Net operating income to assets0.5301%4,583
Return on assets (ROA)0.5402%4,629
Pretax return on assets0.7253%4,454
Return on Equity (ROE)4.6183%4,690
Retained earnings to average equity (ytd only)4.6183%2,692
Net charge-offs to loans0.1260%2,116
Credit loss provision to net charge-offs109.4891%2,304
Earnings coverage of net charge-offs (x)8.2409%2,983
Efficiency ratio79.0810%1,808
Assets per employee ($millions)4.4122%3,190
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.1291%3,871
Loan loss allowance to noncurrent loans444.0421%1,158
Noncurrent assets plus other real estate owned to assets0.2935%4,421
Noncurrent loans to loans0.2543%4,522
Net loans and leases to total assets78.5775%1,048
Net loans and leases to deposits107.1391%323
Net loans and leases to core deposits119.9524%479
Total domestic deposits to total assets73.3415%5,700
Equity capital to assets11.6221%2,258
Core capital (leverage) ratio11.1114%2,301
Tier 1 risk-based capital ratio13.6956%3,893
Total risk-based capital ratio14.8156%3,904
Memoranda:
Average total assets$412,662,2001,597
Average earning assets$380,951,6001,604
Average equity$48,264,2001,543
Average total loans$326,185,4001,365
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8432%3,957
Cost of funding earning assets0.5215%2,029
Net interest margin3.3217%4,250
Noninterest income to average assets0.8730%1,536
Noninterest expense to average assets3.0723%2,293
Loan and lease loss provision to assets0.1220%1,864
Net operating income to assets0.5430%4,618
Return on assets (ROA)0.5539%4,673
Pretax return on assets0.7555%4,471
Return on Equity (ROE)4.7281%4,744
Retained earnings to average equity (ytd only)4.7281%3,105
Net charge-offs to loans0.1199%1,921
Credit loss provision to net charge-offs128.8660%1,886
Earnings coverage of net charge-offs (x)9.1134%2,734
Efficiency ratio78.0790%1,931
Assets per employee ($millions)4.3665%3,222
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.1545%3,901
Loan loss allowance to noncurrent loans386.5327%1,291
Noncurrent assets plus other real estate owned to assets0.2956%4,582
Noncurrent loans to loans0.2987%4,527
Net loans and leases to total assets78.5543%1,014
Net loans and leases to deposits106.6340%345
Net loans and leases to core deposits119.1523%498
Total domestic deposits to total assets73.6672%5,741
Equity capital to assets11.6746%2,366
Core capital (leverage) ratio11.0848%2,401
Tier 1 risk-based capital ratio13.6056%4,082
Total risk-based capital ratio14.7442%4,072
Memoranda:
Average total assets$409,934,5001,615
Average earning assets$377,873,7501,621
Average equity$48,023,2501,558
Average total loans$323,573,2501,384
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8161%4,003
Cost of funding earning assets0.5175%2,093
Net interest margin3.2987%4,308
Noninterest income to average assets0.8917%1,470
Noninterest expense to average assets3.0857%2,286
Loan and lease loss provision to assets0.1106%1,987
Net operating income to assets0.5374%4,622
Return on assets (ROA)0.5457%4,685
Pretax return on assets0.7526%4,483
Return on Equity (ROE)4.6523%4,769
Retained earnings to average equity (ytd only)4.6523%3,077
Net charge-offs to loans0.0655%2,440
Credit loss provision to net charge-offs214.2857%1,160
Earnings coverage of net charge-offs (x)16.5048%1,906
Efficiency ratio78.3645%2,009
Assets per employee ($millions)4.3265%3,258
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.1922%3,841
Loan loss allowance to noncurrent loans178.1551%2,431
Noncurrent assets plus other real estate owned to assets0.5668%3,716
Noncurrent loans to loans0.6692%3,473
Net loans and leases to total assets77.4607%1,141
Net loans and leases to deposits106.0430%375
Net loans and leases to core deposits116.8511%567
Total domestic deposits to total assets73.0465%5,864
Equity capital to assets11.5979%2,333
Core capital (leverage) ratio11.1542%2,286
Tier 1 risk-based capital ratio13.6812%4,106
Total risk-based capital ratio14.8520%4,090
Memoranda:
Average total assets$406,851,0001,640
Average earning assets$375,668,3301,643
Average equity$47,718,3301,571
Average total loans$320,386,3301,399
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8956%3,639
Cost of funding earning assets0.5150%2,153
Net interest margin3.3806%3,914
Noninterest income to average assets0.9439%1,253
Noninterest expense to average assets3.0422%2,446
Loan and lease loss provision to assets0.1619%1,246
Net operating income to assets0.5974%4,303
Return on assets (ROA)0.6120%4,324
Pretax return on assets0.8783%3,972
Return on Equity (ROE)5.1882%4,439
Retained earnings to average equity (ytd only)5.1882%2,954
Net charge-offs to loans0.1359%1,429
Credit loss provision to net charge-offs150.9259%1,237
Earnings coverage of net charge-offs (x)9.5000%2,005
Efficiency ratio74.9022%2,667
Assets per employee ($millions)4.2284%3,514
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2009%3,975
Loan loss allowance to noncurrent loans183.8632%2,372
Noncurrent assets plus other real estate owned to assets0.5614%3,792
Noncurrent loans to loans0.6532%3,641
Net loans and leases to total assets78.1723%896
Net loans and leases to deposits106.3383%307
Net loans and leases to core deposits115.9191%524
Total domestic deposits to total assets73.5129%5,941
Equity capital to assets11.9273%2,079
Core capital (leverage) ratio11.2403%2,200
Tier 1 risk-based capital ratio13.8680%4,106
Total risk-based capital ratio15.0477%4,070
Memoranda:
Average total assets$402,606,0001,663
Average earning assets$371,292,0001,666
Average equity$47,492,0001,584
Average total loans$317,775,5001,409
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9058%4,106
Cost of funding earning assets0.5319%2,369
Net interest margin3.3738%4,309
Noninterest income to average assets0.7713%1,987
Noninterest expense to average assets3.0481%2,696
Loan and lease loss provision to assets0.0880%2,708
Net operating income to assets0.5285%4,688
Return on assets (ROA)0.5544%4,671
Pretax return on assets0.7562%4,420
Return on Equity (ROE)4.8167%4,760
Retained earnings to average equity (ytd only)4.8167%2,744
Net charge-offs to loans0.0583%3,673
Credit loss provision to net charge-offs194.4444%1,270
Earnings coverage of net charge-offs (x)17.8722%1,885
Efficiency ratio78.5216%2,131
Assets per employee ($millions)4.1652%3,605
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.1844%4,103
Loan loss allowance to noncurrent loans201.5533%2,229
Noncurrent assets plus other real estate owned to assets0.5069%4,113
Noncurrent loans to loans0.5876%3,902
Net loans and leases to total assets77.7070%1,037
Net loans and leases to deposits106.5183%339
Net loans and leases to core deposits117.0397%499
Total domestic deposits to total assets72.9518%6,020
Equity capital to assets11.6509%2,299
Core capital (leverage) ratio11.1405%2,270
Tier 1 risk-based capital ratio13.5400%4,389
Total risk-based capital ratio14.6966%4,383
Memoranda:
Average total assets$397,755,4001,652
Average earning assets$363,769,4001,651
Average equity$45,778,0001,571
Average total loans$308,933,0001,390
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9209%4,093
Cost of funding earning assets0.5367%2,404
Net interest margin3.3842%4,298
Noninterest income to average assets0.7683%2,022
Noninterest expense to average assets3.0766%2,539
Loan and lease loss provision to assets0.1010%2,351
Net operating income to assets0.5034%4,860
Return on assets (ROA)0.5253%4,848
Pretax return on assets0.7121%4,664
Return on Equity (ROE)4.5788%4,922
Retained earnings to average equity (ytd only)4.5788%3,383
Net charge-offs to loans0.0643%3,284
Credit loss provision to net charge-offs202.7027%1,252
Earnings coverage of net charge-offs (x)15.7296%2,035
Efficiency ratio79.0846%2,042
Assets per employee ($millions)4.0703%3,733
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.2022%4,206
Loan loss allowance to noncurrent loans229.9754%1,933
Noncurrent assets plus other real estate owned to assets0.5307%4,282
Noncurrent loans to loans0.5228%4,364
Net loans and leases to total assets77.1344%1,075
Net loans and leases to deposits105.6590%343
Net loans and leases to core deposits116.2267%498
Total domestic deposits to total assets73.0032%6,094
Equity capital to assets11.6647%2,349
Core capital (leverage) ratio11.1682%2,343
Tier 1 risk-based capital ratio13.7744%4,371
Total risk-based capital ratio14.9645%4,340
Memoranda:
Average total assets$396,189,2501,673
Average earning assets$361,948,0001,675
Average equity$45,454,5001,584
Average total loans$306,737,5001,406
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9102%4,104
Cost of funding earning assets0.5376%2,459
Net interest margin3.3726%4,302
Noninterest income to average assets0.7316%2,138
Noninterest expense to average assets3.1041%2,478
Loan and lease loss provision to assets0.1184%2,070
Net operating income to assets0.4474%5,030
Return on assets (ROA)0.4584%5,050
Pretax return on assets0.6092%4,928
Return on Equity (ROE)4.0181%5,139
Retained earnings to average equity (ytd only)4.0181%3,622
Net charge-offs to loans0.0793%2,900
Credit loss provision to net charge-offs193.3884%1,209
Earnings coverage of net charge-offs (x)11.6446%2,139
Efficiency ratio80.6999%1,918
Assets per employee ($millions)4.0619%3,708
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.1869%4,483
Loan loss allowance to noncurrent loans211.1111%2,030
Noncurrent assets plus other real estate owned to assets0.5695%4,280
Noncurrent loans to loans0.5622%4,334
Net loans and leases to total assets78.2842%876
Net loans and leases to deposits107.4108%265
Net loans and leases to core deposits118.2173%415
Total domestic deposits to total assets72.8830%6,192
Equity capital to assets11.6666%2,264
Core capital (leverage) ratio11.0132%2,418
Tier 1 risk-based capital ratio13.6146%4,512
Total risk-based capital ratio14.8006%4,488
Memoranda:
Average total assets$395,289,6701,676
Average earning assets$361,618,0001,669
Average equity$45,096,3301,584
Average total loans$305,175,3301,412
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8803%4,170
Cost of funding earning assets0.5388%2,517
Net interest margin3.3414%4,363
Noninterest income to average assets0.7122%2,113
Noninterest expense to average assets3.0682%2,631
Loan and lease loss provision to assets0.1010%2,236
Net operating income to assets0.4487%4,937
Return on assets (ROA)0.4556%4,980
Pretax return on assets0.6031%4,818
Return on Equity (ROE)4.0393%5,013
Retained earnings to average equity (ytd only)4.0393%3,692
Net charge-offs to loans0.0517%2,662
Credit loss provision to net charge-offs256.4103%890
Earnings coverage of net charge-offs (x)17.6410%1,451
Efficiency ratio80.8859%2,068
Assets per employee ($millions)4.0824%3,753
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.2146%4,573
Loan loss allowance to noncurrent loans176.9864%2,319
Noncurrent assets plus other real estate owned to assets0.6157%4,282
Noncurrent loans to loans0.6863%4,154
Net loans and leases to total assets75.0287%1,123
Net loans and leases to deposits101.6939%374
Net loans and leases to core deposits111.5475%525
Total domestic deposits to total assets73.7790%6,260
Equity capital to assets11.3890%2,342
Core capital (leverage) ratio10.9047%2,484
Tier 1 risk-based capital ratio13.7074%4,536
Total risk-based capital ratio14.8982%4,532
Memoranda:
Average total assets$395,932,5001,681
Average earning assets$361,521,5001,686
Average equity$44,661,0001,591
Average total loans$301,689,0001,431
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9505%4,281
Cost of funding earning assets0.5953%2,708
Net interest margin3.3552%4,461
Noninterest income to average assets1.0679%1,236
Noninterest expense to average assets3.1930%2,441
Loan and lease loss provision to assets0.1031%3,073
Net operating income to assets0.6168%4,184
Return on assets (ROA)0.6309%4,221
Pretax return on assets0.8508%3,958
Return on Equity (ROE)5.6074%4,323
Retained earnings to average equity (ytd only)5.6074%2,213
Net charge-offs to loans0.0604%4,370
Credit loss provision to net charge-offs227.2727%1,004
Earnings coverage of net charge-offs (x)20.6023%1,540
Efficiency ratio76.7660%2,661
Assets per employee ($millions)4.0395%3,784
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.1870%4,725
Loan loss allowance to noncurrent loans157.6130%2,570
Noncurrent assets plus other real estate owned to assets0.6808%4,204
Noncurrent loans to loans0.7531%4,084
Net loans and leases to total assets75.5357%1,141
Net loans and leases to deposits102.6745%371
Net loans and leases to core deposits112.2080%531
Total domestic deposits to total assets73.5681%6,311
Equity capital to assets11.1708%2,457
Core capital (leverage) ratio10.7347%2,640
Tier 1 risk-based capital ratio13.7448%4,486
Total risk-based capital ratio14.9293%4,479
Memoranda:
Average total assets$387,877,4001,698
Average earning assets$353,748,4001,697
Average equity$43,638,6001,603
Average total loans$291,406,6001,457
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9504%4,314
Cost of funding earning assets0.6065%2,758
Net interest margin3.3439%4,484
Noninterest income to average assets1.1734%1,065
Noninterest expense to average assets3.1774%2,427
Loan and lease loss provision to assets0.1123%2,892
Net operating income to assets0.6756%3,982
Return on assets (ROA)0.6917%4,036
Pretax return on assets0.9519%3,681
Return on Equity (ROE)6.1373%4,115
Retained earnings to average equity (ytd only)6.1373%2,322
Net charge-offs to loans0.0596%4,055
Credit loss provision to net charge-offs251.9380%975
Earnings coverage of net charge-offs (x)23.3792%1,467
Efficiency ratio74.7298%2,945
Assets per employee ($millions)4.1367%3,566
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.1994%4,866
Loan loss allowance to noncurrent loans176.2611%2,241
Noncurrent assets plus other real estate owned to assets0.6354%4,530
Noncurrent loans to loans0.6804%4,500
Net loans and leases to total assets74.7077%1,174
Net loans and leases to deposits101.7537%397
Net loans and leases to core deposits111.2828%529
Total domestic deposits to total assets73.4201%6,405
Equity capital to assets11.1675%2,601
Core capital (leverage) ratio10.8342%2,635
Tier 1 risk-based capital ratio13.3795%4,853
Total risk-based capital ratio14.5314%4,855
Memoranda:
Average total assets$385,879,2501,714
Average earning assets$351,517,5001,718
Average equity$43,492,7501,618
Average total loans$288,604,5001,471
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9597%4,263
Cost of funding earning assets0.6157%2,799
Net interest margin3.3440%4,407
Noninterest income to average assets1.3225%890
Noninterest expense to average assets3.2015%2,351
Loan and lease loss provision to assets0.1434%2,540
Net operating income to assets0.7338%3,646
Return on assets (ROA)0.7567%3,679
Pretax return on assets1.0513%3,291
Return on Equity (ROE)6.6926%3,777
Retained earnings to average equity (ytd only)6.6926%2,043
Net charge-offs to loans0.0693%3,718
Credit loss provision to net charge-offs277.7778%917
Earnings coverage of net charge-offs (x)22.5253%1,364
Efficiency ratio72.7924%3,342
Assets per employee ($millions)4.1072%3,564
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.2275%4,844
Loan loss allowance to noncurrent loans207.3727%1,930
Noncurrent assets plus other real estate owned to assets0.6025%4,740
Noncurrent loans to loans0.5919%4,778
Net loans and leases to total assets73.8640%1,271
Net loans and leases to deposits99.5427%449
Net loans and leases to core deposits108.4972%628
Total domestic deposits to total assets74.2033%6,430
Equity capital to assets11.2699%2,500
Core capital (leverage) ratio10.7972%2,568
Tier 1 risk-based capital ratio13.4359%4,816
Total risk-based capital ratio14.6027%4,825
Memoranda:
Average total assets$383,509,3301,728
Average earning assets$348,865,0001,732
Average equity$43,361,3301,628
Average total loans$285,753,6701,481
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9788%4,203
Cost of funding earning assets0.6440%2,711
Net interest margin3.3348%4,379
Noninterest income to average assets1.3594%834
Noninterest expense to average assets3.2368%2,242
Loan and lease loss provision to assets0.1308%2,607
Net operating income to assets0.7507%3,431
Return on assets (ROA)0.7629%3,506
Pretax return on assets1.0434%3,172
Return on Equity (ROE)6.7365%3,634
Retained earnings to average equity (ytd only)6.7365%2,294
Net charge-offs to loans0.0084%3,982
Credit loss provision to net charge-offs2,083.3333%166
Earnings coverage of net charge-offs (x)184.3333%219
Efficiency ratio73.1126%3,428
Assets per employee ($millions)4.0233%3,895
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.2389%5,001
Loan loss allowance to noncurrent loans172.1975%2,134
Noncurrent assets plus other real estate owned to assets0.6907%4,649
Noncurrent loans to loans0.7195%4,690
Net loans and leases to total assets72.7289%1,242
Net loans and leases to deposits99.2190%383
Net loans and leases to core deposits108.6357%543
Total domestic deposits to total assets73.3013%6,578
Equity capital to assets11.4126%2,502
Core capital (leverage) ratio10.6470%2,596
Tier 1 risk-based capital ratio13.3496%4,972
Total risk-based capital ratio14.5134%4,988
Memoranda:
Average total assets$382,224,0001,743
Average earning assets$347,843,5001,746
Average equity$43,286,5001,649
Average total loans$284,271,5001,490
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2347%4,453
Cost of funding earning assets0.8487%2,296
Net interest margin3.3860%4,936
Noninterest income to average assets1.3697%832
Noninterest expense to average assets3.2179%2,554
Loan and lease loss provision to assets0.1582%3,639
Net operating income to assets0.7569%3,479
Return on assets (ROA)0.8183%3,442
Pretax return on assets1.1488%2,992
Return on Equity (ROE)7.4623%3,363
Retained earnings to average equity (ytd only)7.4623%1,353
Net charge-offs to loans0.1687%4,025
Credit loss provision to net charge-offs129.8701%2,154
Earnings coverage of net charge-offs (x)10.0216%2,193
Efficiency ratio71.9427%3,424
Assets per employee ($millions)4.0664%3,821
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.1732%5,246
Loan loss allowance to noncurrent loans198.7021%1,856
Noncurrent assets plus other real estate owned to assets0.5277%5,162
Noncurrent loans to loans0.5904%5,055
Net loans and leases to total assets74.2237%1,164
Net loans and leases to deposits103.4724%282
Net loans and leases to core deposits112.6441%448
Total domestic deposits to total assets71.7328%6,706
Equity capital to assets11.2372%2,699
Core capital (leverage) ratio10.4515%2,827
Tier 1 risk-based capital ratio12.9040%5,183
Total risk-based capital ratio14.0104%5,221
Memoranda:
Average total assets$379,344,0001,717
Average earning assets$343,801,0001,731
Average equity$41,595,8001,676
Average total loans$273,785,8001,519
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2654%4,591
Cost of funding earning assets0.8845%2,275
Net interest margin3.3809%5,091
Noninterest income to average assets1.2677%921
Noninterest expense to average assets3.0401%3,096
Loan and lease loss provision to assets0.1345%3,863
Net operating income to assets0.8060%3,421
Return on assets (ROA)0.8832%3,302
Pretax return on assets1.2575%2,759
Return on Equity (ROE)8.1052%3,236
Retained earnings to average equity (ytd only)8.1052%1,572
Net charge-offs to loans0.1375%4,015
Credit loss provision to net charge-offs136.9176%2,106
Earnings coverage of net charge-offs (x)13.0466%1,953
Efficiency ratio69.7629%3,735
Assets per employee ($millions)4.1350%3,614
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.1995%5,283
Loan loss allowance to noncurrent loans190.7842%1,848
Noncurrent assets plus other real estate owned to assets0.5457%5,309
Noncurrent loans to loans0.6287%5,182
Net loans and leases to total assets72.1674%1,524
Net loans and leases to deposits100.1412%426
Net loans and leases to core deposits108.8966%612
Total domestic deposits to total assets72.0657%6,737
Equity capital to assets11.1756%3,063
Core capital (leverage) ratio10.4451%2,981
Tier 1 risk-based capital ratio13.0865%5,181
Total risk-based capital ratio14.2142%5,245
Memoranda:
Average total assets$378,620,5001,739
Average earning assets$342,031,5001,760
Average equity$41,256,5001,705
Average total loans$270,462,5001,546
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3138%4,512
Cost of funding earning assets0.9278%2,205
Net interest margin3.3860%5,135
Noninterest income to average assets1.2153%970
Noninterest expense to average assets3.0474%3,102
Loan and lease loss provision to assets0.1243%3,966
Net operating income to assets0.7761%3,483
Return on assets (ROA)0.8613%3,348
Pretax return on assets1.2163%2,854
Return on Equity (ROE)7.9731%3,275
Retained earnings to average equity (ytd only)7.9731%1,647
Net charge-offs to loans0.1590%3,649
Credit loss provision to net charge-offs110.3286%2,468
Earnings coverage of net charge-offs (x)10.8310%2,014
Efficiency ratio70.8194%3,629
Assets per employee ($millions)4.2904%3,272
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.1959%5,374
Loan loss allowance to noncurrent loans177.5109%1,908
Noncurrent assets plus other real estate owned to assets0.5771%5,321
Noncurrent loans to loans0.6737%5,155
Net loans and leases to total assets71.1612%1,707
Net loans and leases to deposits95.4603%662
Net loans and leases to core deposits103.4651%892
Total domestic deposits to total assets74.5453%6,630
Equity capital to assets10.9885%3,132
Core capital (leverage) ratio10.1908%3,158
Tier 1 risk-based capital ratio12.8067%5,332
Total risk-based capital ratio13.9091%5,425
Memoranda:
Average total assets$378,021,6701,742
Average earning assets$340,814,0001,767
Average equity$40,837,3301,711
Average total loans$267,993,3301,553
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3741%4,437
Cost of funding earning assets0.9684%2,174
Net interest margin3.4058%5,098
Noninterest income to average assets1.3991%735
Noninterest expense to average assets3.0086%3,213
Loan and lease loss provision to assets0.0529%4,750
Net operating income to assets0.9566%2,653
Return on assets (ROA)0.9803%2,761
Pretax return on assets1.4445%2,039
Return on Equity (ROE)9.1528%2,762
Retained earnings to average equity (ytd only)9.1528%1,532
Net charge-offs to loans0.0241%4,353
Credit loss provision to net charge-offs312.5000%947
Earnings coverage of net charge-offs (x)86.4375%395
Efficiency ratio66.7455%4,417
Assets per employee ($millions)4.1083%3,777
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.2366%5,335
Loan loss allowance to noncurrent loans252.0463%1,341
Noncurrent assets plus other real estate owned to assets0.4344%5,779
Noncurrent loans to loans0.4906%5,694
Net loans and leases to total assets68.9703%1,950
Net loans and leases to deposits92.8592%739
Net loans and leases to core deposits100.6568%949
Total domestic deposits to total assets74.2740%6,721
Equity capital to assets10.8371%3,097
Core capital (leverage) ratio10.0711%3,285
Tier 1 risk-based capital ratio13.0438%5,183
Total risk-based capital ratio14.1929%5,226
Memoranda:
Average total assets$378,254,0001,752
Average earning assets$341,187,5001,770
Average equity$40,512,0001,715
Average total loans$266,027,0001,573
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6284%4,554
Cost of funding earning assets1.1960%2,060
Net interest margin3.4324%5,390
Noninterest income to average assets0.8322%1,918
Noninterest expense to average assets3.0416%3,427
Loan and lease loss provision to assets0.1290%5,002
Net operating income to assets0.5821%4,089
Return on assets (ROA)0.6198%4,085
Pretax return on assets0.8332%3,849
Return on Equity (ROE)5.8721%3,933
Retained earnings to average equity (ytd only)5.8721%2,092
Net charge-offs to loans0.3468%3,666
Credit loss provision to net charge-offs52.4283%5,365
Earnings coverage of net charge-offs (x)3.7042%3,417
Efficiency ratio76.3033%2,840
Assets per employee ($millions)4.2533%3,358
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.2047%5,366
Loan loss allowance to noncurrent loans284.8325%1,165
Noncurrent assets plus other real estate owned to assets0.3825%6,023
Noncurrent loans to loans0.4230%5,860
Net loans and leases to total assets69.9726%2,033
Net loans and leases to deposits95.4874%705
Net loans and leases to core deposits103.7720%915
Total domestic deposits to total assets73.2795%6,785
Equity capital to assets10.5836%3,438
Core capital (leverage) ratio9.8337%3,537
Tier 1 risk-based capital ratio12.4735%5,473
Total risk-based capital ratio13.5884%5,560
Memoranda:
Average total assets$368,321,4001,767
Average earning assets$334,866,2001,772
Average equity$38,878,6001,733
Average total loans$261,275,4001,611
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6748%4,571
Cost of funding earning assets1.2340%2,093
Net interest margin3.4408%5,424
Noninterest income to average assets0.8406%1,872
Noninterest expense to average assets3.0901%3,195
Loan and lease loss provision to assets0.1101%5,058
Net operating income to assets0.5664%4,239
Return on assets (ROA)0.6150%4,201
Pretax return on assets0.8355%3,997
Return on Equity (ROE)5.8298%4,103
Retained earnings to average equity (ytd only)5.8298%2,651
Net charge-offs to loans0.4171%3,056
Credit loss provision to net charge-offs37.1921%5,296
Earnings coverage of net charge-offs (x)2.9729%3,655
Efficiency ratio77.1922%2,652
Assets per employee ($millions)4.3203%3,237
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.1921%5,502
Loan loss allowance to noncurrent loans226.2024%1,387
Noncurrent assets plus other real estate owned to assets0.4481%5,968
Noncurrent loans to loans0.5270%5,799
Net loans and leases to total assets70.2944%2,022
Net loans and leases to deposits94.2758%808
Net loans and leases to core deposits102.3642%1,079
Total domestic deposits to total assets74.5626%6,695
Equity capital to assets10.6362%3,533
Core capital (leverage) ratio9.7748%3,735
Tier 1 risk-based capital ratio12.4003%5,580
Total risk-based capital ratio13.5008%5,688
Memoranda:
Average total assets$365,764,7501,782
Average earning assets$332,667,7501,792
Average equity$38,582,2501,748
Average total loans$259,566,7501,636
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6790%4,629
Cost of funding earning assets1.2590%2,192
Net interest margin3.4200%5,480
Noninterest income to average assets0.9367%1,504
Noninterest expense to average assets3.1030%3,242
Loan and lease loss provision to assets0.0412%5,794
Net operating income to assets0.6774%3,655
Return on assets (ROA)0.6981%3,669
Pretax return on assets0.9427%3,464
Return on Equity (ROE)6.6370%3,625
Retained earnings to average equity (ytd only)6.6370%2,060
Net charge-offs to loans0.1543%4,255
Credit loss provision to net charge-offs37.6884%4,857
Earnings coverage of net charge-offs (x)8.7387%2,011
Efficiency ratio75.8126%3,048
Assets per employee ($millions)4.0533%3,647
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.3606%4,771
Loan loss allowance to noncurrent loans183.1693%1,647
Noncurrent assets plus other real estate owned to assets0.6039%5,707
Noncurrent loans to loans0.7428%5,427
Net loans and leases to total assets70.2928%2,160
Net loans and leases to deposits94.4298%843
Net loans and leases to core deposits102.7953%1,132
Total domestic deposits to total assets74.4393%6,791
Equity capital to assets10.7200%3,268
Core capital (leverage) ratio9.7155%3,644
Tier 1 risk-based capital ratio12.0445%5,753
Total risk-based capital ratio13.2605%5,746
Memoranda:
Average total assets$363,838,6701,800
Average earning assets$332,167,3301,798
Average equity$38,270,3301,754
Average total loans$257,980,6701,664
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6474%4,750
Cost of funding earning assets1.2837%2,283
Net interest margin3.3637%5,568
Noninterest income to average assets1.0678%1,150
Noninterest expense to average assets3.0955%3,263
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.7684%3,179
Return on assets (ROA)0.7684%3,254
Pretax return on assets1.0414%2,983
Return on Equity (ROE)7.3760%3,210
Retained earnings to average equity (ytd only)7.3760%1,995
Net charge-offs to loans0.2288%3,167
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)6.4354%2,102
Efficiency ratio74.2150%3,478
Assets per employee ($millions)3.9911%3,854
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.3776%4,777
Loan loss allowance to noncurrent loans170.5825%1,718
Noncurrent assets plus other real estate owned to assets0.6421%5,674
Noncurrent loans to loans0.8076%5,416
Net loans and leases to total assets69.2682%2,273
Net loans and leases to deposits93.4077%882
Net loans and leases to core deposits104.0375%1,061
Total domestic deposits to total assets74.1568%6,885
Equity capital to assets10.5219%3,156
Core capital (leverage) ratio9.5890%3,670
Tier 1 risk-based capital ratio11.9303%5,753
Total risk-based capital ratio13.1481%5,777
Memoranda:
Average total assets$363,361,0001,811
Average earning assets$331,538,0001,807
Average equity$37,852,5001,758
Average total loans$256,990,5001,682
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0165%4,474
Cost of funding earning assets1.5395%2,410
Net interest margin3.4770%5,336
Noninterest income to average assets1.1101%1,202
Noninterest expense to average assets3.2646%2,855
Loan and lease loss provision to assets0.1078%6,068
Net operating income to assets0.6680%3,353
Return on assets (ROA)0.7248%3,254
Pretax return on assets0.9490%3,105
Return on Equity (ROE)7.0031%3,127
Retained earnings to average equity (ytd only)7.0031%1,322
Net charge-offs to loans0.0483%6,314
Credit loss provision to net charge-offs308.9431%859
Earnings coverage of net charge-offs (x)28.1382%774
Efficiency ratio76.2446%3,018
Assets per employee ($millions)4.0393%3,703
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.4141%4,449
Loan loss allowance to noncurrent loans186.0264%1,610
Noncurrent assets plus other real estate owned to assets0.6186%5,775
Noncurrent loans to loans0.7602%5,525
Net loans and leases to total assets70.2086%2,495
Net loans and leases to deposits95.6291%901
Net loans and leases to core deposits107.6987%1,077
Total domestic deposits to total assets73.4177%6,957
Equity capital to assets10.3129%3,376
Core capital (leverage) ratio9.3862%3,868
Tier 1 risk-based capital ratio11.4374%5,959
Total risk-based capital ratio12.6790%5,958
Memoranda:
Average total assets$352,388,0001,856
Average earning assets$317,891,4001,871
Average equity$36,469,6001,816
Average total loans$254,585,4001,737
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0850%4,401
Cost of funding earning assets1.5935%2,424
Net interest margin3.4915%5,328
Noninterest income to average assets0.9550%1,604
Noninterest expense to average assets2.9652%3,871
Loan and lease loss provision to assets0.1449%5,584
Net operating income to assets0.7065%3,379
Return on assets (ROA)0.7807%3,245
Pretax return on assets1.0865%2,869
Return on Equity (ROE)7.5365%3,087
Retained earnings to average equity (ytd only)7.5365%1,583
Net charge-offs to loans0.0373%6,190
Credit loss provision to net charge-offs535.2113%539
Earnings coverage of net charge-offs (x)41.6779%663
Efficiency ratio71.7813%3,747
Assets per employee ($millions)4.0145%3,804
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.4547%4,184
Loan loss allowance to noncurrent loans120.9052%2,349
Noncurrent assets plus other real estate owned to assets0.9519%5,188
Noncurrent loans to loans1.2032%4,837
Net loans and leases to total assets70.3994%2,638
Net loans and leases to deposits94.5207%1,147
Net loans and leases to core deposits107.0683%1,235
Total domestic deposits to total assets74.4805%6,861
Equity capital to assets10.5123%3,496
Core capital (leverage) ratio9.5014%3,900
Tier 1 risk-based capital ratio11.7105%5,723
Total risk-based capital ratio12.9613%5,693
Memoranda:
Average total assets$349,601,2501,898
Average earning assets$314,278,0001,917
Average equity$36,214,2501,846
Average total loans$253,508,2501,762
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1428%4,229
Cost of funding earning assets1.6227%2,529
Net interest margin3.5201%5,160
Noninterest income to average assets0.8731%1,791
Noninterest expense to average assets2.9322%3,951
Loan and lease loss provision to assets0.2075%4,801
Net operating income to assets0.6316%3,731
Return on assets (ROA)0.7175%3,473
Pretax return on assets1.0149%3,062
Return on Equity (ROE)6.9619%3,318
Retained earnings to average equity (ytd only)6.9619%1,848
Net charge-offs to loans0.0506%5,678
Credit loss provision to net charge-offs562.5000%658
Earnings coverage of net charge-offs (x)29.8594%925
Efficiency ratio72.0246%3,811
Assets per employee ($millions)3.8452%4,116
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.4522%4,167
Loan loss allowance to noncurrent loans126.1937%2,208
Noncurrent assets plus other real estate owned to assets0.9322%5,263
Noncurrent loans to loans1.1507%5,036
Net loans and leases to total assets71.7586%2,468
Net loans and leases to deposits96.1851%1,032
Net loans and leases to core deposits109.1566%1,223
Total domestic deposits to total assets74.6047%6,901
Equity capital to assets10.4628%3,463
Core capital (leverage) ratio9.4372%3,914
Tier 1 risk-based capital ratio11.6180%5,659
Total risk-based capital ratio12.8689%5,616
Memoranda:
Average total assets$347,039,3301,927
Average earning assets$311,578,6701,956
Average equity$35,766,0001,864
Average total loans$252,930,6701,793
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1577%4,259
Cost of funding earning assets1.6701%2,539
Net interest margin3.4875%5,215
Noninterest income to average assets0.9120%1,580
Noninterest expense to average assets3.0162%3,617
Loan and lease loss provision to assets0.2083%4,419
Net operating income to assets0.5683%4,040
Return on assets (ROA)0.7222%3,459
Pretax return on assets1.0324%2,960
Return on Equity (ROE)7.0621%3,315
Retained earnings to average equity (ytd only)7.0621%2,111
Net charge-offs to loans0.0333%5,115
Credit loss provision to net charge-offs857.1429%539
Earnings coverage of net charge-offs (x)42.0000%657
Efficiency ratio74.0252%3,572
Assets per employee ($millions)3.8745%4,156
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.4157%4,342
Loan loss allowance to noncurrent loans108.4957%2,557
Noncurrent assets plus other real estate owned to assets1.0481%5,048
Noncurrent loans to loans1.3048%4,799
Net loans and leases to total assets71.9528%2,461
Net loans and leases to deposits96.9192%1,005
Net loans and leases to core deposits109.3553%1,327
Total domestic deposits to total assets74.2400%7,016
Equity capital to assets10.3466%3,414
Core capital (leverage) ratio9.3947%3,915
Tier 1 risk-based capital ratio11.6769%5,507
Total risk-based capital ratio12.9842%5,409
Memoranda:
Average total assets$345,601,5001,980
Average earning assets$309,675,0002,017
Average equity$35,343,5001,907
Average total loans$251,999,0001,848
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4494%4,441
Cost of funding earning assets1.9566%3,177
Net interest margin3.4928%4,988
Noninterest income to average assets1.2398%981
Noninterest expense to average assets3.5865%2,183
Loan and lease loss provision to assets0.3666%4,599
Net operating income to assets0.3568%4,299
Return on assets (ROA)0.3616%4,381
Pretax return on assets0.4382%4,380
Return on Equity (ROE)3.5545%4,268
Retained earnings to average equity (ytd only)3.4968%2,722
Net charge-offs to loans0.1360%5,845
Credit loss provision to net charge-offs373.1343%852
Earnings coverage of net charge-offs (x)8.1313%1,996
Efficiency ratio81.1530%2,720
Assets per employee ($millions)3.8486%4,146
Cash dividends to net income (ytd only)*1.6221%3,999
Condition Ratios (%)
Loss allowance to loans1.3491%4,486
Loan loss allowance to noncurrent loans90.5801%3,083
Noncurrent assets plus other real estate owned to assets1.1932%4,718
Noncurrent loans to loans1.4894%4,434
Net loans and leases to total assets71.8637%2,782
Net loans and leases to deposits96.8941%1,221
Net loans and leases to core deposits119.6797%1,974
Total domestic deposits to total assets74.1672%6,995
Equity capital to assets10.1073%3,609
Core capital (leverage) ratio9.0845%4,281
Tier 1 risk-based capital ratio11.4585%5,445
Total risk-based capital ratio12.7103%5,401
Memoranda:
Average total assets$340,944,0001,997
Average earning assets$307,060,0002,028
Average equity$34,688,8001,938
Average total loans$246,351,6001,914
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4936%4,445
Cost of funding earning assets2.0122%3,289
Net interest margin3.4814%4,943
Noninterest income to average assets1.3082%908
Noninterest expense to average assets3.4712%2,353
Loan and lease loss provision to assets0.3494%4,228
Net operating income to assets0.4777%4,079
Return on assets (ROA)0.4884%4,130
Pretax return on assets0.6388%4,059
Return on Equity (ROE)4.7925%4,051
Retained earnings to average equity (ytd only)4.7155%2,647
Net charge-offs to loans0.1421%5,279
Credit loss provision to net charge-offs340.9962%1,199
Earnings coverage of net charge-offs (x)9.5058%2,099
Efficiency ratio77.4598%3,244
Assets per employee ($millions)3.8321%4,116
Cash dividends to net income (ytd only)*1.6080%3,673
Condition Ratios (%)
Loss allowance to loans1.2583%4,769
Loan loss allowance to noncurrent loans79.7646%3,427
Noncurrent assets plus other real estate owned to assets1.2491%4,564
Noncurrent loans to loans1.5775%4,273
Net loans and leases to total assets70.9444%3,281
Net loans and leases to deposits97.2179%1,411
Net loans and leases to core deposits120.8965%2,168
Total domestic deposits to total assets72.9746%7,090
Equity capital to assets10.3636%3,664
Core capital (leverage) ratio9.2960%4,196
Tier 1 risk-based capital ratio11.1468%5,816
Total risk-based capital ratio12.2672%5,902
Memoranda:
Average total assets$339,586,5002,020
Average earning assets$305,995,5002,054
Average equity$34,608,7501,961
Average total loans$244,859,2501,945
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5974%4,091
Cost of funding earning assets2.0990%3,269
Net interest margin3.4984%4,805
Noninterest income to average assets1.5606%615
Noninterest expense to average assets3.5338%2,233
Loan and lease loss provision to assets0.3256%3,986
Net operating income to assets0.6177%3,603
Return on assets (ROA)0.6264%3,668
Pretax return on assets0.8567%3,487
Return on Equity (ROE)6.1816%3,563
Retained earnings to average equity (ytd only)6.0647%1,987
Net charge-offs to loans0.1985%4,295
Credit loss provision to net charge-offs227.2727%2,021
Earnings coverage of net charge-offs (x)8.1694%2,303
Efficiency ratio74.5281%3,950
Assets per employee ($millions)3.7650%4,181
Cash dividends to net income (ytd only)*1.8904%3,513
Condition Ratios (%)
Loss allowance to loans1.1456%5,295
Loan loss allowance to noncurrent loans94.3976%3,050
Noncurrent assets plus other real estate owned to assets1.0367%4,896
Noncurrent loans to loans1.2136%4,788
Net loans and leases to total assets71.2250%3,417
Net loans and leases to deposits98.0575%1,509
Net loans and leases to core deposits121.0519%2,272
Total domestic deposits to total assets72.6360%7,162
Equity capital to assets10.3099%3,610
Core capital (leverage) ratio8.4660%5,502
Tier 1 risk-based capital ratio11.1587%5,721
Total risk-based capital ratio12.1697%5,903
Memoranda:
Average total assets$337,818,6702,052
Average earning assets$303,568,0002,091
Average equity$34,230,6701,977
Average total loans$243,879,6701,975
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6680%3,951
Cost of funding earning assets2.1845%3,244
Net interest margin3.4835%4,793
Noninterest income to average assets1.2096%982
Noninterest expense to average assets3.2588%2,766
Loan and lease loss provision to assets0.1364%5,216
Net operating income to assets0.6866%3,622
Return on assets (ROA)0.6866%3,804
Pretax return on assets0.9404%3,562
Return on Equity (ROE)6.8362%3,653
Retained earnings to average equity (ytd only)6.8362%2,270
Net charge-offs to loans0.2527%3,145
Credit loss provision to net charge-offs74.6753%4,273
Earnings coverage of net charge-offs (x)5.8961%2,586
Efficiency ratio74.5077%3,732
Assets per employee ($millions)3.7692%4,175
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.0142%6,087
Loan loss allowance to noncurrent loans113.3210%2,734
Noncurrent assets plus other real estate owned to assets0.7349%5,327
Noncurrent loans to loans0.8949%5,214
Net loans and leases to total assets70.4927%3,573
Net loans and leases to deposits97.4839%1,740
Net loans and leases to core deposits122.5521%2,202
Total domestic deposits to total assets72.3121%7,160
Equity capital to assets10.0761%3,907
Core capital (leverage) ratio8.6002%5,343
Tier 1 risk-based capital ratio10.7602%6,131
Total risk-based capital ratio11.6261%6,433
Memoranda:
Average total assets$337,303,0002,065
Average earning assets$302,681,5002,109
Average equity$33,878,5002,011
Average total loans$243,748,0002,000
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1213%4,932
Cost of funding earning assets2.6657%3,335
Net interest margin3.4556%5,449
Noninterest income to average assets0.6785%3,262
Noninterest expense to average assets3.1134%3,642
Loan and lease loss provision to assets0.1310%5,690
Net operating income to assets0.4551%4,927
Return on assets (ROA)0.4283%4,854
Pretax return on assets0.5436%4,868
Return on Equity (ROE)4.2731%4,701
Retained earnings to average equity (ytd only)4.2731%2,464
Net charge-offs to loans0.1337%4,885
Credit loss provision to net charge-offs133.4356%3,982
Earnings coverage of net charge-offs (x)7.2178%3,160
Efficiency ratio80.7186%2,497
Assets per employee ($millions)3.7683%4,029
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.0121%5,911
Loan loss allowance to noncurrent loans181.6788%2,118
Noncurrent assets plus other real estate owned to assets0.5629%5,496
Noncurrent loans to loans0.5571%5,692
Net loans and leases to total assets72.5826%3,470
Net loans and leases to deposits102.4529%1,540
Net loans and leases to core deposits131.1223%1,773
Total domestic deposits to total assets70.8448%7,183
Equity capital to assets10.0114%4,023
Core capital (leverage) ratio8.7228%5,159
Tier 1 risk-based capital ratio10.5460%6,160
Total risk-based capital ratio11.4259%6,408
Memoranda:
Average total assets$332,048,2002,014
Average earning assets$302,061,8002,024
Average equity$33,277,8002,030
Average total loans$243,755,6001,944