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Security First Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7913%1,892
Cost of funding earning assets0.3558%1,887
Net interest margin3.4355%1,917
Noninterest income to average assets0.7031%1,763
Noninterest expense to average assets2.5169%2,133
Loan and lease loss provision to assets0.0362%2,321
Net operating income to assets1.1074%2,268
Return on assets (ROA)1.1300%2,225
Pretax return on assets1.4129%2,005
Return on Equity (ROE)12.9276%1,487
Retained earnings to average equity (ytd only)8.7852%1,259
Net charge-offs to loans-0.0023%3,381
Credit loss provision to net charge-offs-2,380.9524%4,083
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio63.7292%2,605
Assets per employee ($millions)5.5661%3,199
Cash dividends to net income (ytd only)*32.0431%2,436
Condition Ratios (%)
Loss allowance to loans1.3320%2,228
Loan loss allowance to noncurrent loans193.8102%2,632
Noncurrent assets plus other real estate owned to assets0.4536%1,456
Noncurrent loans to loans0.6873%1,458
Net loans and leases to total assets65.1210%1,566
Net loans and leases to deposits75.2976%1,619
Net loans and leases to core deposits77.9096%1,769
Total domestic deposits to total assets86.4848%2,721
Equity capital to assets8.4480%4,085
Core capital (leverage) ratio7.9205%4,415
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4424%2,995
Memoranda:
Average total assets$1,380,903,600724
Average earning assets$1,300,189,600715
Average equity$120,703,000860
Average total loans$928,660,000702
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8310%1,948
Cost of funding earning assets0.3723%1,915
Net interest margin3.4587%1,981
Noninterest income to average assets0.7050%1,810
Noninterest expense to average assets2.5124%2,084
Loan and lease loss provision to assets0.0294%2,413
Net operating income to assets1.1491%2,370
Return on assets (ROA)1.1820%2,283
Pretax return on assets1.4640%2,100
Return on Equity (ROE)13.4017%1,575
Retained earnings to average equity (ytd only)13.4017%583
Net charge-offs to loans0.0209%1,633
Credit loss provision to net charge-offs208.3333%1,182
Earnings coverage of net charge-offs (x)102.9236%859
Efficiency ratio63.1727%2,513
Assets per employee ($millions)5.4974%3,206
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.3041%2,465
Loan loss allowance to noncurrent loans208.3306%2,480
Noncurrent assets plus other real estate owned to assets0.4265%1,754
Noncurrent loans to loans0.6260%1,741
Net loans and leases to total assets67.2437%1,404
Net loans and leases to deposits78.5759%1,431
Net loans and leases to core deposits81.7416%1,591
Total domestic deposits to total assets85.5780%2,922
Equity capital to assets8.9784%3,851
Core capital (leverage) ratio8.1486%4,344
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9339%2,981
Memoranda:
Average total assets$1,360,159,750743
Average earning assets$1,282,113,000732
Average equity$119,961,500876
Average total loans$919,284,750726
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5711%2,716
Cost of funding earning assets0.3904%1,966
Net interest margin3.1808%2,811
Noninterest income to average assets0.6444%2,020
Noninterest expense to average assets2.5044%2,125
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.9070%3,194
Return on assets (ROA)0.9521%3,144
Pretax return on assets1.1951%2,927
Return on Equity (ROE)10.8631%2,475
Retained earnings to average equity (ytd only)10.8631%1,155
Net charge-offs to loans0.0550%1,073
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)30.7430%1,297
Efficiency ratio68.5341%1,812
Assets per employee ($millions)5.4044%3,237
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.2545%2,665
Loan loss allowance to noncurrent loans208.8916%2,395
Noncurrent assets plus other real estate owned to assets0.4186%1,934
Noncurrent loans to loans0.6005%1,904
Net loans and leases to total assets68.8355%1,350
Net loans and leases to deposits80.5810%1,370
Net loans and leases to core deposits83.6382%1,595
Total domestic deposits to total assets85.4240%2,932
Equity capital to assets8.7462%4,015
Core capital (leverage) ratio7.8172%4,569
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6768%3,017
Memoranda:
Average total assets$1,344,436,000749
Average earning assets$1,267,498,667736
Average equity$117,830,000879
Average total loans$906,098,000736
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3892%3,225
Cost of funding earning assets0.4115%2,001
Net interest margin2.9777%3,318
Noninterest income to average assets0.6871%1,905
Noninterest expense to average assets2.4563%2,312
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.8270%3,331
Return on assets (ROA)0.8272%3,412
Pretax return on assets1.0337%3,281
Return on Equity (ROE)9.4286%2,877
Retained earnings to average equity (ytd only)9.4286%1,819
Net charge-offs to loans0.0816%785
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)19.1229%1,268
Efficiency ratio70.1704%1,674
Assets per employee ($millions)5.3565%3,274
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.3598%2,154
Loan loss allowance to noncurrent loans200.7092%2,368
Noncurrent assets plus other real estate owned to assets0.5105%1,859
Noncurrent loans to loans0.6775%1,892
Net loans and leases to total assets65.6581%1,839
Net loans and leases to deposits76.8689%1,815
Net loans and leases to core deposits80.3235%1,973
Total domestic deposits to total assets85.4157%2,958
Equity capital to assets8.7116%3,953
Core capital (leverage) ratio7.9839%4,574
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1337%2,904
Memoranda:
Average total assets$1,324,895,500749
Average earning assets$1,247,002,500740
Average equity$116,242,500883
Average total loans$876,922,000753
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0411%2,606
Cost of funding earning assets0.6498%1,992
Net interest margin3.3913%2,807
Noninterest income to average assets0.7951%1,546
Noninterest expense to average assets2.6631%2,348
Loan and lease loss provision to assets0.2880%1,316
Net operating income to assets0.8240%2,997
Return on assets (ROA)0.8555%3,018
Pretax return on assets1.0628%2,834
Return on Equity (ROE)9.0954%2,360
Retained earnings to average equity (ytd only)4.6321%2,461
Net charge-offs to loans0.1529%1,065
Credit loss provision to net charge-offs267.3422%1,857
Earnings coverage of net charge-offs (x)12.1746%2,351
Efficiency ratio66.6195%2,424
Assets per employee ($millions)4.9631%3,428
Cash dividends to net income (ytd only)*49.0725%1,883
Condition Ratios (%)
Loss allowance to loans1.4376%1,821
Loan loss allowance to noncurrent loans132.3047%2,972
Noncurrent assets plus other real estate owned to assets0.7763%1,318
Noncurrent loans to loans1.0866%1,303
Net loans and leases to total assets64.8556%2,247
Net loans and leases to deposits76.0235%2,280
Net loans and leases to core deposits80.7256%2,299
Total domestic deposits to total assets85.3099%2,649
Equity capital to assets8.8377%4,190
Core capital (leverage) ratio8.1333%4,542
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0849%2,900
Memoranda:
Average total assets$1,191,043,800755
Average earning assets$1,116,659,400740
Average equity$112,023,400875
Average total loans$839,293,800754
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1296%2,592
Cost of funding earning assets0.7089%1,975
Net interest margin3.4207%2,851
Noninterest income to average assets0.7935%1,523
Noninterest expense to average assets2.6777%2,319
Loan and lease loss provision to assets0.3246%1,204
Net operating income to assets0.8025%3,079
Return on assets (ROA)0.8447%3,054
Pretax return on assets1.0488%2,911
Return on Equity (ROE)8.8315%2,464
Retained earnings to average equity (ytd only)8.8315%1,027
Net charge-offs to loans0.1761%844
Credit loss provision to net charge-offs256.8058%1,904
Earnings coverage of net charge-offs (x)10.4537%2,358
Efficiency ratio66.5519%2,394
Assets per employee ($millions)4.8273%3,455
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.3591%1,915
Loan loss allowance to noncurrent loans105.0921%3,203
Noncurrent assets plus other real estate owned to assets0.9294%1,230
Noncurrent loans to loans1.2932%1,145
Net loans and leases to total assets70.8916%1,835
Net loans and leases to deposits84.6227%1,844
Net loans and leases to core deposits90.5253%1,929
Total domestic deposits to total assets83.7737%2,900
Equity capital to assets9.5783%3,625
Core capital (leverage) ratio8.6057%4,171
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4314%2,810
Memoranda:
Average total assets$1,162,477,750762
Average earning assets$1,089,337,500745
Average equity$111,189,500875
Average total loans$834,389,000754
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0953%3,060
Cost of funding earning assets0.7841%1,906
Net interest margin3.3112%3,354
Noninterest income to average assets0.8048%1,419
Noninterest expense to average assets2.7489%2,221
Loan and lease loss provision to assets0.2852%1,506
Net operating income to assets0.7094%3,366
Return on assets (ROA)0.7518%3,324
Pretax return on assets0.9277%3,238
Return on Equity (ROE)7.8639%2,803
Retained earnings to average equity (ytd only)7.8639%1,343
Net charge-offs to loans0.1688%880
Credit loss provision to net charge-offs235.5491%1,793
Earnings coverage of net charge-offs (x)9.5838%2,211
Efficiency ratio69.8881%1,971
Assets per employee ($millions)4.7374%3,491
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.3041%1,983
Loan loss allowance to noncurrent loans79.9354%3,523
Noncurrent assets plus other real estate owned to assets1.1719%941
Noncurrent loans to loans1.6315%899
Net loans and leases to total assets70.8942%1,894
Net loans and leases to deposits84.2100%1,978
Net loans and leases to core deposits90.8137%2,002
Total domestic deposits to total assets84.1874%2,684
Equity capital to assets9.5358%3,630
Core capital (leverage) ratio8.6721%4,236
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2176%2,912
Memoranda:
Average total assets$1,142,865,667762
Average earning assets$1,071,566,667749
Average equity$109,259,000884
Average total loans$819,939,333758
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3001%2,922
Cost of funding earning assets0.9156%1,788
Net interest margin3.3845%3,347
Noninterest income to average assets0.6969%1,662
Noninterest expense to average assets2.7081%2,688
Loan and lease loss provision to assets0.2250%1,377
Net operating income to assets0.7525%3,087
Return on assets (ROA)0.7670%3,109
Pretax return on assets0.9495%2,999
Return on Equity (ROE)8.0116%2,516
Retained earnings to average equity (ytd only)8.0116%1,231
Net charge-offs to loans0.3323%439
Credit loss provision to net charge-offs94.4528%1,878
Earnings coverage of net charge-offs (x)4.8546%2,109
Efficiency ratio69.6368%2,407
Assets per employee ($millions)4.4611%3,322
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.3147%2,076
Loan loss allowance to noncurrent loans104.2034%3,177
Noncurrent assets plus other real estate owned to assets0.8961%1,498
Noncurrent loans to loans1.2617%1,296
Net loans and leases to total assets70.0880%2,238
Net loans and leases to deposits81.3745%2,535
Net loans and leases to core deposits89.3274%2,412
Total domestic deposits to total assets86.1301%1,955
Equity capital to assets9.7789%3,974
Core capital (leverage) ratio8.7736%4,616
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3034%3,004
Memoranda:
Average total assets$1,119,759,000749
Average earning assets$1,048,080,000735
Average equity$107,194,500896
Average total loans$802,845,500748
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6959%2,341
Cost of funding earning assets1.0073%1,695
Net interest margin3.6886%2,842
Noninterest income to average assets0.7593%1,590
Noninterest expense to average assets2.6735%2,960
Loan and lease loss provision to assets0.5538%221
Net operating income to assets0.7863%3,596
Return on assets (ROA)0.7959%3,650
Pretax return on assets0.9815%3,508
Return on Equity (ROE)8.1226%3,115
Retained earnings to average equity (ytd only)4.3385%2,795
Net charge-offs to loans1.0215%156
Credit loss provision to net charge-offs71.9100%2,890
Earnings coverage of net charge-offs (x)1.9782%3,467
Efficiency ratio63.0888%3,211
Assets per employee ($millions)4.6225%3,056
Cash dividends to net income (ytd only)*46.5875%2,257
Condition Ratios (%)
Loss allowance to loans1.2252%2,303
Loan loss allowance to noncurrent loans130.7821%2,821
Noncurrent assets plus other real estate owned to assets0.6777%1,898
Noncurrent loans to loans0.9368%1,630
Net loans and leases to total assets71.4514%2,178
Net loans and leases to deposits82.5513%2,492
Net loans and leases to core deposits94.2097%2,042
Total domestic deposits to total assets86.5540%1,825
Equity capital to assets9.3783%4,445
Core capital (leverage) ratio8.5755%4,798
Tier 1 risk-based capital ratio10.5680%5,002
Total risk-based capital ratio11.6904%4,968
Memoranda:
Average total assets$1,078,815,000737
Average earning assets$1,005,465,600725
Average equity$105,705,000860
Average total loans$813,388,600703
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7260%2,340
Cost of funding earning assets1.0184%1,685
Net interest margin3.7076%2,887
Noninterest income to average assets0.7457%1,605
Noninterest expense to average assets2.7063%2,857
Loan and lease loss provision to assets0.6630%162
Net operating income to assets0.6772%4,084
Return on assets (ROA)0.6899%4,103
Pretax return on assets0.8416%4,034
Return on Equity (ROE)6.9604%3,693
Retained earnings to average equity (ytd only)6.9604%1,877
Net charge-offs to loans1.3859%99
Credit loss provision to net charge-offs62.7603%2,685
Earnings coverage of net charge-offs (x)1.4096%3,292
Efficiency ratio63.8725%3,029
Assets per employee ($millions)4.7044%2,914
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.1360%2,846
Loan loss allowance to noncurrent loans115.6116%3,079
Noncurrent assets plus other real estate owned to assets0.7344%1,870
Noncurrent loans to loans0.9826%1,630
Net loans and leases to total assets72.8004%2,035
Net loans and leases to deposits87.6696%1,980
Net loans and leases to core deposits98.8367%1,757
Total domestic deposits to total assets83.0394%3,156
Equity capital to assets9.6836%4,306
Core capital (leverage) ratio8.9713%4,660
Tier 1 risk-based capital ratio10.9643%4,923
Total risk-based capital ratio12.0286%4,901
Memoranda:
Average total assets$1,060,766,500745
Average earning assets$986,987,750737
Average equity$105,145,000862
Average total loans$808,582,500710
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7231%2,294
Cost of funding earning assets0.9920%1,735
Net interest margin3.7312%2,827
Noninterest income to average assets0.7034%1,701
Noninterest expense to average assets2.7467%2,763
Loan and lease loss provision to assets0.8994%109
Net operating income to assets0.4585%4,619
Return on assets (ROA)0.4756%4,608
Pretax return on assets0.5496%4,623
Return on Equity (ROE)4.7584%4,405
Retained earnings to average equity (ytd only)4.7584%2,886
Net charge-offs to loans1.2023%110
Credit loss provision to net charge-offs96.9515%2,049
Earnings coverage of net charge-offs (x)1.5409%3,008
Efficiency ratio65.0988%2,962
Assets per employee ($millions)4.6579%2,929
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.4867%1,314
Loan loss allowance to noncurrent loans88.1457%3,515
Noncurrent assets plus other real estate owned to assets1.3005%978
Noncurrent loans to loans1.6867%907
Net loans and leases to total assets75.9595%1,554
Net loans and leases to deposits92.8354%1,394
Net loans and leases to core deposits123.3167%446
Total domestic deposits to total assets81.8216%3,570
Equity capital to assets9.7718%4,165
Core capital (leverage) ratio8.9466%4,676
Tier 1 risk-based capital ratio10.5359%5,093
Total risk-based capital ratio11.7876%5,006
Memoranda:
Average total assets$1,039,572,000753
Average earning assets$967,579,000747
Average equity$103,900,670863
Average total loans$802,131,330716
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6618%2,340
Cost of funding earning assets0.9376%1,851
Net interest margin3.7242%2,802
Noninterest income to average assets0.7034%1,601
Noninterest expense to average assets2.7077%2,884
Loan and lease loss provision to assets0.3925%296
Net operating income to assets0.8549%3,430
Return on assets (ROA)0.8549%3,472
Pretax return on assets1.0630%3,262
Return on Equity (ROE)8.4540%3,063
Retained earnings to average equity (ytd only)8.4540%1,508
Net charge-offs to loans1.0949%121
Credit loss provision to net charge-offs46.4468%1,997
Earnings coverage of net charge-offs (x)1.7222%2,563
Efficiency ratio64.3127%3,189
Assets per employee ($millions)4.5083%3,179
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.4093%1,647
Loan loss allowance to noncurrent loans79.6055%3,697
Noncurrent assets plus other real estate owned to assets1.3553%937
Noncurrent loans to loans1.7703%875
Net loans and leases to total assets75.4804%1,570
Net loans and leases to deposits90.2947%1,591
Net loans and leases to core deposits117.1992%607
Total domestic deposits to total assets83.5934%3,189
Equity capital to assets9.9201%3,903
Core capital (leverage) ratio9.1296%4,542
Tier 1 risk-based capital ratio11.0654%4,946
Total risk-based capital ratio12.3168%4,849
Memoranda:
Average total assets$1,019,037,500770
Average earning assets$946,680,000764
Average equity$103,052,000865
Average total loans$786,578,500728
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4320%2,659
Cost of funding earning assets0.7210%1,950
Net interest margin3.7110%2,992
Noninterest income to average assets0.8273%1,379
Noninterest expense to average assets2.9091%2,317
Loan and lease loss provision to assets0.0808%2,513
Net operating income to assets1.0260%2,902
Return on assets (ROA)1.0384%2,836
Pretax return on assets1.2723%2,606
Return on Equity (ROE)10.6317%2,230
Retained earnings to average equity (ytd only)10.6317%500
Net charge-offs to loans0.0208%3,009
Credit loss provision to net charge-offs529.8013%658
Earnings coverage of net charge-offs (x)87.7417%812
Efficiency ratio67.4886%2,627
Assets per employee ($millions)4.0128%3,878
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.6375%949
Loan loss allowance to noncurrent loans62.3601%4,072
Noncurrent assets plus other real estate owned to assets2.0446%462
Noncurrent loans to loans2.6259%445
Net loans and leases to total assets76.5883%1,504
Net loans and leases to deposits89.0802%1,918
Net loans and leases to core deposits112.5422%855
Total domestic deposits to total assets85.9769%2,243
Equity capital to assets10.3193%3,356
Core capital (leverage) ratio8.9477%4,699
Tier 1 risk-based capital ratio11.3981%4,774
Total risk-based capital ratio12.6521%4,676
Memoranda:
Average total assets$990,243,000776
Average earning assets$912,523,800776
Average equity$96,720,000875
Average total loans$724,687,400756
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3496%2,793
Cost of funding earning assets0.6576%2,104
Net interest margin3.6921%3,052
Noninterest income to average assets0.8056%1,456
Noninterest expense to average assets2.9007%2,302
Loan and lease loss provision to assets0.0739%2,476
Net operating income to assets0.9930%3,115
Return on assets (ROA)1.0087%3,061
Pretax return on assets1.2478%2,818
Return on Equity (ROE)10.4739%2,399
Retained earnings to average equity (ytd only)10.4739%770
Net charge-offs to loans0.0207%2,719
Credit loss provision to net charge-offs495.4955%715
Earnings coverage of net charge-offs (x)87.2951%836
Efficiency ratio67.9042%2,554
Assets per employee ($millions)4.4028%3,266
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.5753%1,135
Loan loss allowance to noncurrent loans520.7013%1,054
Noncurrent assets plus other real estate owned to assets0.2249%3,815
Noncurrent loans to loans0.3025%3,592
Net loans and leases to total assets73.1809%2,133
Net loans and leases to deposits91.7990%1,648
Net loans and leases to core deposits117.1519%663
Total domestic deposits to total assets79.7186%4,173
Equity capital to assets9.3940%4,187
Core capital (leverage) ratio8.6653%4,986
Tier 1 risk-based capital ratio10.8601%5,095
Total risk-based capital ratio12.1135%5,003
Memoranda:
Average total assets$992,022,500771
Average earning assets$912,855,000767
Average equity$95,537,000881
Average total loans$714,485,750764
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2696%2,875
Cost of funding earning assets0.5901%2,293
Net interest margin3.6795%3,012
Noninterest income to average assets0.8015%1,473
Noninterest expense to average assets2.8697%2,438
Loan and lease loss provision to assets0.0720%2,447
Net operating income to assets1.0057%2,989
Return on assets (ROA)1.0287%2,904
Pretax return on assets1.2688%2,635
Return on Equity (ROE)10.5875%2,285
Retained earnings to average equity (ytd only)10.5875%764
Net charge-offs to loans0.0607%1,738
Credit loss provision to net charge-offs166.6667%1,465
Earnings coverage of net charge-offs (x)30.3714%1,493
Efficiency ratio67.3145%2,759
Assets per employee ($millions)4.0383%3,833
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.6396%1,010
Loan loss allowance to noncurrent loans500.8746%1,096
Noncurrent assets plus other real estate owned to assets0.2427%3,795
Noncurrent loans to loans0.3273%3,527
Net loans and leases to total assets72.9186%2,133
Net loans and leases to deposits89.5940%1,898
Net loans and leases to core deposits112.3787%865
Total domestic deposits to total assets81.3878%3,896
Equity capital to assets9.7578%3,864
Core capital (leverage) ratio8.8009%4,881
Tier 1 risk-based capital ratio11.0007%5,052
Total risk-based capital ratio12.2543%4,954
Memoranda:
Average total assets$971,938,330789
Average earning assets$893,001,670782
Average equity$94,432,330889
Average total loans$691,851,330796
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1889%2,917
Cost of funding earning assets0.5372%2,496
Net interest margin3.6517%2,980
Noninterest income to average assets0.8160%1,399
Noninterest expense to average assets2.7691%2,811
Loan and lease loss provision to assets0.0623%2,531
Net operating income to assets1.0843%2,502
Return on assets (ROA)1.0843%2,520
Pretax return on assets1.3326%2,238
Return on Equity (ROE)11.1847%1,889
Retained earnings to average equity (ytd only)11.1847%847
Net charge-offs to loans-0.0262%4,683
Credit loss provision to net charge-offs-340.9091%3,913
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6953%3,370
Assets per employee ($millions)4.1250%3,765
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.7810%817
Loan loss allowance to noncurrent loans480.7004%1,144
Noncurrent assets plus other real estate owned to assets0.2603%3,827
Noncurrent loans to loans0.3705%3,456
Net loans and leases to total assets69.0183%2,625
Net loans and leases to deposits82.4707%2,553
Net loans and leases to core deposits105.2901%1,290
Total domestic deposits to total assets83.6884%3,438
Equity capital to assets9.7822%3,807
Core capital (leverage) ratio8.7393%4,961
Tier 1 risk-based capital ratio11.2418%5,010
Total risk-based capital ratio12.4965%4,900
Memoranda:
Average total assets$963,217,500794
Average earning assets$883,100,500797
Average equity$93,377,500899
Average total loans$671,043,000820
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0445%3,260
Cost of funding earning assets0.4224%3,033
Net interest margin3.6222%3,094
Noninterest income to average assets0.9096%1,240
Noninterest expense to average assets2.9115%2,412
Loan and lease loss provision to assets0.0641%2,940
Net operating income to assets0.6944%3,626
Return on assets (ROA)0.7017%3,653
Pretax return on assets1.2375%2,600
Return on Equity (ROE)7.0827%3,227
Retained earnings to average equity (ytd only)2.7706%3,650
Net charge-offs to loans-0.0142%4,869
Credit loss provision to net charge-offs-659.3407%4,997
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.9573%3,083
Assets per employee ($millions)4.0217%3,926
Cash dividends to net income (ytd only)*60.8828%1,707
Condition Ratios (%)
Loss allowance to loans1.7906%790
Loan loss allowance to noncurrent loans557.2433%1,004
Noncurrent assets plus other real estate owned to assets0.2219%4,032
Noncurrent loans to loans0.3213%3,620
Net loans and leases to total assets67.8247%2,844
Net loans and leases to deposits84.7222%2,410
Net loans and leases to core deposits103.9672%1,417
Total domestic deposits to total assets80.0553%4,322
Equity capital to assets9.6061%4,137
Core capital (leverage) ratio8.6921%4,959
Tier 1 risk-based capital ratio11.1479%5,064
Total risk-based capital ratio12.4028%4,940
Memoranda:
Average total assets$936,302,000794
Average earning assets$850,948,400808
Average equity$92,760,600884
Average total loans$641,780,200817
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9979%3,368
Cost of funding earning assets0.4130%3,061
Net interest margin3.5849%3,211
Noninterest income to average assets0.8997%1,271
Noninterest expense to average assets2.9039%2,393
Loan and lease loss provision to assets0.0860%2,372
Net operating income to assets0.8056%3,500
Return on assets (ROA)0.8145%3,509
Pretax return on assets1.1781%2,993
Return on Equity (ROE)8.1576%3,043
Retained earnings to average equity (ytd only)8.1576%1,160
Net charge-offs to loans0.0065%3,500
Credit loss provision to net charge-offs1,935.4839%207
Earnings coverage of net charge-offs (x)281.5640%322
Efficiency ratio67.5073%2,963
Assets per employee ($millions)3.9803%4,020
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.7729%899
Loan loss allowance to noncurrent loans376.0870%1,333
Noncurrent assets plus other real estate owned to assets0.3288%3,740
Noncurrent loans to loans0.4714%3,278
Net loans and leases to total assets68.5149%2,771
Net loans and leases to deposits86.3065%2,260
Net loans and leases to core deposits107.7977%1,147
Total domestic deposits to total assets79.3855%4,463
Equity capital to assets10.1124%3,787
Core capital (leverage) ratio9.0631%4,671
Tier 1 risk-based capital ratio11.4502%4,985
Total risk-based capital ratio12.7049%4,876
Memoranda:
Average total assets$930,082,500803
Average earning assets$844,598,500819
Average equity$92,867,750888
Average total loans$636,274,500826
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9006%3,543
Cost of funding earning assets0.3851%3,233
Net interest margin3.5155%3,338
Noninterest income to average assets0.8804%1,330
Noninterest expense to average assets2.9573%2,244
Loan and lease loss provision to assets0.0758%2,463
Net operating income to assets0.7310%3,702
Return on assets (ROA)0.7413%3,731
Pretax return on assets1.0648%3,318
Return on Equity (ROE)7.4566%3,306
Retained earnings to average equity (ytd only)7.4566%1,370
Net charge-offs to loans0.0427%2,339
Credit loss provision to net charge-offs261.1940%1,051
Earnings coverage of net charge-offs (x)38.7761%1,273
Efficiency ratio69.9851%2,680
Assets per employee ($millions)3.8503%4,201
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.7956%896
Loan loss allowance to noncurrent loans350.6761%1,390
Noncurrent assets plus other real estate owned to assets0.3478%3,732
Noncurrent loans to loans0.5121%3,221
Net loans and leases to total assets66.7019%3,004
Net loans and leases to deposits86.7357%2,140
Net loans and leases to core deposits104.3929%1,330
Total domestic deposits to total assets76.9025%4,971
Equity capital to assets10.0410%3,866
Core capital (leverage) ratio9.0066%4,714
Tier 1 risk-based capital ratio11.3226%5,075
Total risk-based capital ratio12.5770%4,956
Memoranda:
Average total assets$923,014,000813
Average earning assets$840,901,000832
Average equity$91,757,670897
Average total loans$627,186,670840
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8389%3,626
Cost of funding earning assets0.3568%3,458
Net interest margin3.4821%3,341
Noninterest income to average assets0.9394%1,141
Noninterest expense to average assets2.8454%2,635
Loan and lease loss provision to assets0.0655%2,491
Net operating income to assets0.8243%3,103
Return on assets (ROA)0.8365%3,104
Pretax return on assets1.2231%2,500
Return on Equity (ROE)8.4576%2,693
Retained earnings to average equity (ytd only)8.4576%1,289
Net charge-offs to loans-0.1188%5,497
Credit loss provision to net charge-offs-81.0811%3,913
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6914%3,379
Assets per employee ($millions)3.8156%4,321
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.8831%810
Loan loss allowance to noncurrent loans394.9983%1,278
Noncurrent assets plus other real estate owned to assets0.3242%3,899
Noncurrent loans to loans0.4767%3,382
Net loans and leases to total assets66.7169%2,858
Net loans and leases to deposits80.5048%2,685
Net loans and leases to core deposits98.0220%1,655
Total domestic deposits to total assets82.8732%3,893
Equity capital to assets10.2105%3,501
Core capital (leverage) ratio8.9650%4,781
Tier 1 risk-based capital ratio11.5868%4,981
Total risk-based capital ratio12.8423%4,877
Memoranda:
Average total assets$916,714,500822
Average earning assets$836,286,000836
Average equity$90,664,000904
Average total loans$623,038,500842
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8290%3,811
Cost of funding earning assets0.3891%3,110
Net interest margin3.4398%3,665
Noninterest income to average assets0.9397%1,294
Noninterest expense to average assets2.9184%2,609
Loan and lease loss provision to assets0.1469%1,693
Net operating income to assets0.6988%3,792
Return on assets (ROA)0.7309%3,750
Pretax return on assets1.0616%3,255
Return on Equity (ROE)7.4464%3,241
Retained earnings to average equity (ytd only)3.0107%3,759
Net charge-offs to loans-0.0346%5,295
Credit loss provision to net charge-offs-649.0385%5,218
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0685%3,060
Assets per employee ($millions)3.9365%4,080
Cash dividends to net income (ytd only)*59.5681%1,813
Condition Ratios (%)
Loss allowance to loans1.7664%1,009
Loan loss allowance to noncurrent loans287.5674%1,682
Noncurrent assets plus other real estate owned to assets0.4173%3,599
Noncurrent loans to loans0.6143%3,008
Net loans and leases to total assets66.7325%2,968
Net loans and leases to deposits86.0799%2,155
Net loans and leases to core deposits102.8363%1,378
Total domestic deposits to total assets77.5239%5,047
Equity capital to assets9.5809%4,185
Core capital (leverage) ratio8.5147%5,244
Tier 1 risk-based capital ratio10.5589%5,545
Total risk-based capital ratio11.8131%5,475
Memoranda:
Average total assets$918,688,400782
Average earning assets$838,786,800783
Average equity$90,178,000885
Average total loans$600,351,000835
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7760%3,999
Cost of funding earning assets0.4019%3,004
Net interest margin3.3741%3,945
Noninterest income to average assets0.9371%1,286
Noninterest expense to average assets2.8793%2,706
Loan and lease loss provision to assets0.1530%1,528
Net operating income to assets0.6892%3,910
Return on assets (ROA)0.7323%3,818
Pretax return on assets1.0631%3,382
Return on Equity (ROE)7.4147%3,347
Retained earnings to average equity (ytd only)7.4147%1,435
Net charge-offs to loans-0.0464%5,345
Credit loss provision to net charge-offs-509.7087%5,078
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8992%3,060
Assets per employee ($millions)4.0970%3,795
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.7093%1,200
Loan loss allowance to noncurrent loans575.1320%940
Noncurrent assets plus other real estate owned to assets0.1993%4,634
Noncurrent loans to loans0.2972%4,190
Net loans and leases to total assets65.8993%3,137
Net loans and leases to deposits89.5323%1,819
Net loans and leases to core deposits107.1716%1,102
Total domestic deposits to total assets73.6039%5,468
Equity capital to assets9.8230%4,334
Core capital (leverage) ratio8.7584%5,091
Tier 1 risk-based capital ratio10.7214%5,514
Total risk-based capital ratio11.9747%5,421
Memoranda:
Average total assets$915,122,500787
Average earning assets$839,660,000783
Average equity$90,376,250893
Average total loans$591,994,500842
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7155%4,247
Cost of funding earning assets0.3984%3,058
Net interest margin3.3171%4,169
Noninterest income to average assets0.9126%1,337
Noninterest expense to average assets2.8322%2,911
Loan and lease loss provision to assets0.1871%1,162
Net operating income to assets0.6440%4,077
Return on assets (ROA)0.6833%4,026
Pretax return on assets0.9937%3,615
Return on Equity (ROE)6.9054%3,600
Retained earnings to average equity (ytd only)6.9054%1,654
Net charge-offs to loans-0.0607%5,447
Credit loss provision to net charge-offs-482.8571%4,920
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0172%3,146
Assets per employee ($millions)3.8630%4,148
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.7774%1,120
Loan loss allowance to noncurrent loans429.7177%1,202
Noncurrent assets plus other real estate owned to assets0.2686%4,420
Noncurrent loans to loans0.4136%3,874
Net loans and leases to total assets63.7904%3,396
Net loans and leases to deposits85.2521%2,329
Net loans and leases to core deposits99.9834%1,633
Total domestic deposits to total assets74.8256%5,435
Equity capital to assets9.8854%4,354
Core capital (leverage) ratio8.7252%5,140
Tier 1 risk-based capital ratio11.0182%5,416
Total risk-based capital ratio12.2722%5,331
Memoranda:
Average total assets$903,327,670802
Average earning assets$828,796,670797
Average equity$89,379,000901
Average total loans$576,902,670861
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6966%4,337
Cost of funding earning assets0.3946%3,145
Net interest margin3.3019%4,212
Noninterest income to average assets0.9335%1,225
Noninterest expense to average assets2.8673%2,824
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.7525%3,472
Return on assets (ROA)0.7710%3,496
Pretax return on assets1.1162%3,032
Return on Equity (ROE)7.7888%3,039
Retained earnings to average equity (ytd only)7.7888%1,547
Net charge-offs to loans-0.0092%4,490
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.8653%3,156
Assets per employee ($millions)3.7945%4,312
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.7189%1,315
Loan loss allowance to noncurrent loans333.9100%1,474
Noncurrent assets plus other real estate owned to assets0.3227%4,276
Noncurrent loans to loans0.5148%3,640
Net loans and leases to total assets61.6123%3,581
Net loans and leases to deposits77.6731%3,036
Net loans and leases to core deposits91.0219%2,277
Total domestic deposits to total assets79.3226%4,894
Equity capital to assets10.0017%4,083
Core capital (leverage) ratio8.7641%5,104
Tier 1 risk-based capital ratio11.1136%5,445
Total risk-based capital ratio12.3662%5,350
Memoranda:
Average total assets$893,368,500813
Average earning assets$817,948,000815
Average equity$88,435,000906
Average total loans$565,554,500871
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7748%4,118
Cost of funding earning assets0.4184%2,961
Net interest margin3.3564%4,090
Noninterest income to average assets0.9927%1,193
Noninterest expense to average assets3.0658%2,334
Loan and lease loss provision to assets0.0474%3,381
Net operating income to assets0.6496%4,036
Return on assets (ROA)0.6942%3,949
Pretax return on assets0.9913%3,508
Return on Equity (ROE)6.9245%3,547
Retained earnings to average equity (ytd only)2.3584%4,378
Net charge-offs to loans-0.0594%5,610
Credit loss provision to net charge-offs-126.6055%5,195
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.2667%2,699
Assets per employee ($millions)3.7764%4,334
Cash dividends to net income (ytd only)*65.9413%1,440
Condition Ratios (%)
Loss allowance to loans1.6915%1,371
Loan loss allowance to noncurrent loans640.3322%871
Noncurrent assets plus other real estate owned to assets0.1689%4,927
Noncurrent loans to loans0.2642%4,502
Net loans and leases to total assets62.8434%3,442
Net loans and leases to deposits74.5822%3,429
Net loans and leases to core deposits88.8635%2,514
Total domestic deposits to total assets84.2606%3,382
Equity capital to assets9.7959%4,194
Core capital (leverage) ratio8.6663%5,253
Tier 1 risk-based capital ratio10.9303%5,556
Total risk-based capital ratio12.1839%5,466
Memoranda:
Average total assets$873,804,000786
Average earning assets$793,519,600792
Average equity$87,602,600870
Average total loans$550,619,400851
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7665%4,193
Cost of funding earning assets0.4293%2,912
Net interest margin3.3372%4,190
Noninterest income to average assets0.9394%1,347
Noninterest expense to average assets3.0895%2,248
Loan and lease loss provision to assets0.0482%3,241
Net operating income to assets0.6115%4,327
Return on assets (ROA)0.6605%4,194
Pretax return on assets0.8937%4,000
Return on Equity (ROE)6.5496%3,875
Retained earnings to average equity (ytd only)6.5496%1,926
Net charge-offs to loans-0.0774%5,695
Credit loss provision to net charge-offs-99.0536%5,053
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.2485%2,361
Assets per employee ($millions)3.8744%4,130
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.7053%1,456
Loan loss allowance to noncurrent loans631.7639%834
Noncurrent assets plus other real estate owned to assets0.1707%5,073
Noncurrent loans to loans0.2699%4,612
Net loans and leases to total assets62.1658%3,579
Net loans and leases to deposits73.2051%3,629
Net loans and leases to core deposits86.2640%2,824
Total domestic deposits to total assets84.9201%3,046
Equity capital to assets10.1682%3,975
Core capital (leverage) ratio9.1327%4,834
Tier 1 risk-based capital ratio11.4607%5,394
Total risk-based capital ratio12.7145%5,315
Memoranda:
Average total assets$869,447,250798
Average earning assets$788,308,250804
Average equity$87,677,250876
Average total loans$545,845,000864
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7448%4,255
Cost of funding earning assets0.4437%2,794
Net interest margin3.3011%4,297
Noninterest income to average assets0.9075%1,421
Noninterest expense to average assets3.0404%2,424
Loan and lease loss provision to assets0.0495%3,128
Net operating income to assets0.6010%4,340
Return on assets (ROA)0.6672%4,148
Pretax return on assets0.9026%3,945
Return on Equity (ROE)6.6351%3,816
Retained earnings to average equity (ytd only)6.6351%1,882
Net charge-offs to loans-0.1115%5,828
Credit loss provision to net charge-offs-70.8609%4,853
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.1792%2,515
Assets per employee ($millions)3.4703%4,854
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.6855%1,637
Loan loss allowance to noncurrent loans574.9542%916
Noncurrent assets plus other real estate owned to assets0.1941%5,087
Noncurrent loans to loans0.2931%4,632
Net loans and leases to total assets65.1025%3,108
Net loans and leases to deposits77.7279%3,065
Net loans and leases to core deposits90.8624%2,257
Total domestic deposits to total assets83.7569%3,664
Equity capital to assets10.4583%3,486
Core capital (leverage) ratio8.9422%5,036
Tier 1 risk-based capital ratio11.3963%5,526
Total risk-based capital ratio12.6501%5,455
Memoranda:
Average total assets$864,807,000805
Average earning assets$784,762,330816
Average equity$86,962,000889
Average total loans$541,566,670869
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6250%4,611
Cost of funding earning assets0.4558%2,712
Net interest margin3.1692%4,718
Noninterest income to average assets0.9036%1,373
Noninterest expense to average assets3.0878%2,306
Loan and lease loss provision to assets0.0585%2,765
Net operating income to assets0.4803%4,765
Return on assets (ROA)0.5500%4,594
Pretax return on assets0.7268%4,516
Return on Equity (ROE)5.5776%4,243
Retained earnings to average equity (ytd only)5.5776%2,736
Net charge-offs to loans-0.1290%5,938
Credit loss provision to net charge-offs-74.4186%4,440
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.8812%2,064
Assets per employee ($millions)3.5985%4,726
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.7216%1,683
Loan loss allowance to noncurrent loans491.0304%1,021
Noncurrent assets plus other real estate owned to assets0.2178%5,076
Noncurrent loans to loans0.3506%4,540
Net loans and leases to total assets61.0445%3,521
Net loans and leases to deposits72.5888%3,481
Net loans and leases to core deposits84.3126%2,733
Total domestic deposits to total assets84.0963%3,787
Equity capital to assets10.1523%3,941
Core capital (leverage) ratio8.5429%5,482
Tier 1 risk-based capital ratio11.2986%5,660
Total risk-based capital ratio12.5506%5,568
Memoranda:
Average total assets$875,563,000805
Average earning assets$795,025,000799
Average equity$86,346,000890
Average total loans$533,141,000885
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8677%4,255
Cost of funding earning assets0.5635%2,111
Net interest margin3.3042%4,542
Noninterest income to average assets0.9334%1,405
Noninterest expense to average assets2.9578%2,974
Loan and lease loss provision to assets0.0559%3,431
Net operating income to assets0.6701%4,037
Return on assets (ROA)0.7160%3,923
Pretax return on assets0.9639%3,630
Return on Equity (ROE)7.3216%3,461
Retained earnings to average equity (ytd only)2.6101%4,385
Net charge-offs to loans0.1068%2,983
Credit loss provision to net charge-offs86.7621%2,715
Earnings coverage of net charge-offs (x)14.8730%2,122
Efficiency ratio72.8840%3,057
Assets per employee ($millions)3.6223%4,683
Cash dividends to net income (ytd only)*64.3501%1,545
Condition Ratios (%)
Loss allowance to loans1.6721%1,854
Loan loss allowance to noncurrent loans630.5457%888
Noncurrent assets plus other real estate owned to assets0.1583%5,391
Noncurrent loans to loans0.2652%4,891
Net loans and leases to total assets58.7127%3,961
Net loans and leases to deposits70.6269%3,825
Net loans and leases to core deposits82.7368%3,028
Total domestic deposits to total assets83.1307%4,030
Equity capital to assets9.5813%4,615
Core capital (leverage) ratio8.1094%5,923
Tier 1 risk-based capital ratio10.7288%6,016
Total risk-based capital ratio11.9803%5,953
Memoranda:
Average total assets$868,113,800772
Average earning assets$783,482,800780
Average equity$84,899,800871
Average total loans$523,305,600847
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9102%4,134
Cost of funding earning assets0.5830%1,996
Net interest margin3.3272%4,520
Noninterest income to average assets0.9127%1,487
Noninterest expense to average assets2.9886%2,841
Loan and lease loss provision to assets0.0750%2,845
Net operating income to assets0.6381%4,266
Return on assets (ROA)0.6931%4,071
Pretax return on assets0.9241%3,890
Return on Equity (ROE)7.0502%3,690
Retained earnings to average equity (ytd only)7.0502%1,795
Net charge-offs to loans0.0466%3,565
Credit loss provision to net charge-offs266.4835%1,002
Earnings coverage of net charge-offs (x)32.9012%1,292
Efficiency ratio73.6867%2,866
Assets per employee ($millions)3.4448%4,964
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.7577%1,799
Loan loss allowance to noncurrent loans477.0576%1,009
Noncurrent assets plus other real estate owned to assets0.2266%5,310
Noncurrent loans to loans0.3684%4,809
Net loans and leases to total assets60.4299%3,713
Net loans and leases to deposits74.5957%3,357
Net loans and leases to core deposits86.7987%2,573
Total domestic deposits to total assets81.0099%4,821
Equity capital to assets10.2324%3,885
Core capital (leverage) ratio8.6291%5,526
Tier 1 risk-based capital ratio11.6442%5,707
Total risk-based capital ratio12.8974%5,624
Memoranda:
Average total assets$862,373,500779
Average earning assets$778,004,500790
Average equity$84,780,500870
Average total loans$521,114,250853
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8874%4,186
Cost of funding earning assets0.5868%2,014
Net interest margin3.3007%4,585
Noninterest income to average assets0.8621%1,618
Noninterest expense to average assets2.9728%2,928
Loan and lease loss provision to assets0.1123%2,154
Net operating income to assets0.5707%4,495
Return on assets (ROA)0.6075%4,418
Pretax return on assets0.7985%4,269
Return on Equity (ROE)6.2637%4,017
Retained earnings to average equity (ytd only)6.2637%2,176
Net charge-offs to loans0.1249%2,423
Credit loss provision to net charge-offs149.6914%1,460
Earnings coverage of net charge-offs (x)11.4969%2,155
Efficiency ratio74.8280%2,834
Assets per employee ($millions)3.3886%5,080
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.7051%2,118
Loan loss allowance to noncurrent loans446.7710%1,042
Noncurrent assets plus other real estate owned to assets0.2413%5,377
Noncurrent loans to loans0.3817%4,849
Net loans and leases to total assets62.1406%3,379
Net loans and leases to deposits77.8736%2,816
Net loans and leases to core deposits88.8794%2,223
Total domestic deposits to total assets79.7968%5,289
Equity capital to assets10.1455%3,907
Core capital (leverage) ratio8.3781%5,763
Tier 1 risk-based capital ratio11.1283%5,999
Total risk-based capital ratio12.3810%5,927
Memoranda:
Average total assets$863,910,000775
Average earning assets$778,149,330791
Average equity$83,784,000876
Average total loans$518,945,670850
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6813%4,912
Cost of funding earning assets0.5841%2,128
Net interest margin3.0972%5,263
Noninterest income to average assets0.8057%1,727
Noninterest expense to average assets3.0563%2,671
Loan and lease loss provision to assets0.1880%1,269
Net operating income to assets0.3050%5,473
Return on assets (ROA)0.3302%5,443
Pretax return on assets0.3815%5,510
Return on Equity (ROE)3.4824%5,281
Retained earnings to average equity (ytd only)3.4824%4,047
Net charge-offs to loans0.4716%770
Credit loss provision to net charge-offs68.1063%2,024
Earnings coverage of net charge-offs (x)1.9585%2,976
Efficiency ratio82.2285%1,897
Assets per employee ($millions)3.6362%4,655
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.7191%2,290
Loan loss allowance to noncurrent loans299.2161%1,487
Noncurrent assets plus other real estate owned to assets0.3390%5,127
Noncurrent loans to loans0.5745%4,443
Net loans and leases to total assets57.9966%3,838
Net loans and leases to deposits72.6322%3,257
Net loans and leases to core deposits80.9954%2,851
Total domestic deposits to total assets79.8497%5,515
Equity capital to assets9.6271%4,319
Core capital (leverage) ratio7.9625%6,142
Tier 1 risk-based capital ratio10.6514%6,289
Total risk-based capital ratio11.9032%6,252
Memoranda:
Average total assets$872,284,500780
Average earning assets$786,126,000788
Average equity$82,701,500886
Average total loans$510,637,000863
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6913%5,161
Cost of funding earning assets0.6286%2,402
Net interest margin3.0627%5,428
Noninterest income to average assets0.8277%1,948
Noninterest expense to average assets2.8170%3,668
Loan and lease loss provision to assets0.1449%2,493
Net operating income to assets0.4451%4,976
Return on assets (ROA)0.5641%4,553
Pretax return on assets0.7963%4,158
Return on Equity (ROE)6.1168%4,023
Retained earnings to average equity (ytd only)6.1168%1,903
Net charge-offs to loans0.1315%3,493
Credit loss provision to net charge-offs202.7027%1,130
Earnings coverage of net charge-offs (x)10.8251%2,313
Efficiency ratio75.8188%2,805
Assets per employee ($millions)3.7411%4,387
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.7570%2,208
Loan loss allowance to noncurrent loans234.4134%1,838
Noncurrent assets plus other real estate owned to assets0.4353%4,948
Noncurrent loans to loans0.7495%4,091
Net loans and leases to total assets57.0563%4,186
Net loans and leases to deposits69.6203%3,827
Net loans and leases to core deposits77.7971%3,393
Total domestic deposits to total assets81.9535%4,892
Equity capital to assets9.3372%4,644
Core capital (leverage) ratio8.0014%6,134
Tier 1 risk-based capital ratio10.8735%6,236
Total risk-based capital ratio12.1256%6,176
Memoranda:
Average total assets$880,140,800748
Average earning assets$793,994,200760
Average equity$81,169,600882
Average total loans$478,169,200889
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6388%5,334
Cost of funding earning assets0.6337%2,511
Net interest margin3.0051%5,581
Noninterest income to average assets0.8289%2,010
Noninterest expense to average assets2.8202%3,597
Loan and lease loss provision to assets0.1514%2,376
Net operating income to assets0.4419%5,060
Return on assets (ROA)0.5396%4,769
Pretax return on assets0.6988%4,694
Return on Equity (ROE)5.8692%4,255
Retained earnings to average equity (ytd only)5.8692%2,497
Net charge-offs to loans0.0825%3,768
Credit loss provision to net charge-offs343.6426%754
Earnings coverage of net charge-offs (x)16.4124%1,807
Efficiency ratio76.9168%2,574
Assets per employee ($millions)3.7617%4,317
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.7958%2,313
Loan loss allowance to noncurrent loans217.4771%1,853
Noncurrent assets plus other real estate owned to assets0.5455%4,807
Noncurrent loans to loans0.8258%4,185
Net loans and leases to total assets55.4123%4,404
Net loans and leases to deposits70.3727%3,734
Net loans and leases to core deposits80.8998%3,016
Total domestic deposits to total assets78.7412%5,798
Equity capital to assets9.0929%5,071
Core capital (leverage) ratio7.7418%6,360
Tier 1 risk-based capital ratio10.4307%6,479
Total risk-based capital ratio11.6825%6,440
Memoranda:
Average total assets$880,386,250755
Average earning assets$795,297,250762
Average equity$80,939,750893
Average total loans$470,064,750904
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6090%5,407
Cost of funding earning assets0.6418%2,576
Net interest margin2.9671%5,654
Noninterest income to average assets0.8405%2,029
Noninterest expense to average assets2.7826%3,737
Loan and lease loss provision to assets0.1768%2,147
Net operating income to assets0.4389%5,065
Return on assets (ROA)0.5384%4,789
Pretax return on assets0.6917%4,705
Return on Equity (ROE)5.8345%4,262
Retained earnings to average equity (ytd only)5.8345%2,532
Net charge-offs to loans0.0466%4,028
Credit loss provision to net charge-offs724.2991%415
Earnings coverage of net charge-offs (x)30.3551%1,139
Efficiency ratio76.2706%2,740
Assets per employee ($millions)3.6448%4,527
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.8530%2,254
Loan loss allowance to noncurrent loans193.5644%2,036
Noncurrent assets plus other real estate owned to assets0.6122%4,714
Noncurrent loans to loans0.9573%4,016
Net loans and leases to total assets54.4518%4,525
Net loans and leases to deposits69.3056%3,813
Net loans and leases to core deposits77.7893%3,323
Total domestic deposits to total assets78.5677%5,872
Equity capital to assets9.1502%5,045
Core capital (leverage) ratio7.6774%6,378
Tier 1 risk-based capital ratio10.4419%6,526
Total risk-based capital ratio11.6941%6,494
Memoranda:
Average total assets$876,672,000756
Average earning assets$792,749,670769
Average equity$80,897,670897
Average total loans$459,069,330923
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5029%5,694
Cost of funding earning assets0.6509%2,653
Net interest margin2.8520%5,911
Noninterest income to average assets0.9699%1,558
Noninterest expense to average assets2.8459%3,557
Loan and lease loss provision to assets0.1253%2,666
Net operating income to assets0.4451%4,932
Return on assets (ROA)0.5205%4,711
Pretax return on assets0.6695%4,706
Return on Equity (ROE)5.6170%4,255
Retained earnings to average equity (ytd only)5.6170%2,888
Net charge-offs to loans0.0045%4,076
Credit loss provision to net charge-offs5,500.0000%47
Earnings coverage of net charge-offs (x)306.4000%124
Efficiency ratio77.6235%2,671
Assets per employee ($millions)3.7200%4,514
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.9223%2,240
Loan loss allowance to noncurrent loans178.9879%2,070
Noncurrent assets plus other real estate owned to assets0.6305%4,804
Noncurrent loans to loans1.0740%4,003
Net loans and leases to total assets50.1625%4,974
Net loans and leases to deposits61.4783%4,618
Net loans and leases to core deposits68.8848%4,195
Total domestic deposits to total assets81.5938%5,326
Equity capital to assets9.3738%5,028
Core capital (leverage) ratio7.4879%6,477
Tier 1 risk-based capital ratio10.6865%6,529
Total risk-based capital ratio11.9387%6,490
Memoranda:
Average total assets$877,626,500761
Average earning assets$792,133,000774
Average equity$81,325,000903
Average total loans$445,945,500963
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8472%5,715
Cost of funding earning assets0.7686%2,931
Net interest margin3.0786%5,864
Noninterest income to average assets0.8781%1,937
Noninterest expense to average assets2.8740%3,747
Loan and lease loss provision to assets0.1204%4,115
Net operating income to assets0.5663%4,396
Return on assets (ROA)0.6463%4,269
Pretax return on assets0.7214%4,588
Return on Equity (ROE)7.1425%3,559
Retained earnings to average equity (ytd only)7.1425%1,501
Net charge-offs to loans0.2333%3,538
Credit loss provision to net charge-offs103.3099%2,902
Earnings coverage of net charge-offs (x)6.4584%2,810
Efficiency ratio76.5476%2,655
Assets per employee ($millions)3.7019%4,557
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.8717%2,378
Loan loss allowance to noncurrent loans175.2263%2,065
Noncurrent assets plus other real estate owned to assets0.6199%4,923
Noncurrent loans to loans1.0682%4,066
Net loans and leases to total assets49.5374%5,228
Net loans and leases to deposits60.5387%4,968
Net loans and leases to core deposits65.9794%4,739
Total domestic deposits to total assets81.8277%5,153
Equity capital to assets9.1599%5,325
Core capital (leverage) ratio7.5145%6,498
Tier 1 risk-based capital ratio10.9931%6,348
Total risk-based capital ratio12.2456%6,311
Memoranda:
Average total assets$855,137,200764
Average earning assets$763,570,200783
Average equity$77,381,400910
Average total loans$427,269,800978
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8876%5,817
Cost of funding earning assets0.7902%3,024
Net interest margin3.0974%5,945
Noninterest income to average assets0.8702%1,940
Noninterest expense to average assets2.9377%3,453
Loan and lease loss provision to assets0.1147%4,132
Net operating income to assets0.4685%4,960
Return on assets (ROA)0.5331%4,963
Pretax return on assets0.6605%4,979
Return on Equity (ROE)5.9097%4,372
Retained earnings to average equity (ytd only)5.9097%2,756
Net charge-offs to loans0.2384%3,291
Credit loss provision to net charge-offs96.5608%3,094
Earnings coverage of net charge-offs (x)5.8558%2,912
Efficiency ratio78.1458%2,381
Assets per employee ($millions)3.5673%4,812
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.8839%2,534
Loan loss allowance to noncurrent loans173.2914%2,004
Noncurrent assets plus other real estate owned to assets0.6375%5,082
Noncurrent loans to loans1.0871%4,265
Net loans and leases to total assets50.0744%5,306
Net loans and leases to deposits63.2028%4,814
Net loans and leases to core deposits68.7077%4,649
Total domestic deposits to total assets79.2281%5,817
Equity capital to assets9.1893%5,604
Core capital (leverage) ratio7.4049%6,664
Tier 1 risk-based capital ratio10.7969%6,565
Total risk-based capital ratio12.0497%6,539
Memoranda:
Average total assets$848,658,000780
Average earning assets$757,048,250794
Average equity$76,550,750920
Average total loans$422,893,250992
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8555%6,023
Cost of funding earning assets0.8029%3,164
Net interest margin3.0525%6,118
Noninterest income to average assets0.8606%1,929
Noninterest expense to average assets2.8945%3,643
Loan and lease loss provision to assets0.1018%4,252
Net operating income to assets0.4784%4,914
Return on assets (ROA)0.5733%4,756
Pretax return on assets0.7184%4,774
Return on Equity (ROE)6.3961%4,102
Retained earnings to average equity (ytd only)6.3961%2,445
Net charge-offs to loans0.1786%3,526
Credit loss provision to net charge-offs115.2815%2,381
Earnings coverage of net charge-offs (x)7.9464%2,387
Efficiency ratio77.7332%2,494
Assets per employee ($millions)3.5402%4,890
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.9231%2,468
Loan loss allowance to noncurrent loans145.7831%2,305
Noncurrent assets plus other real estate owned to assets0.7578%4,901
Noncurrent loans to loans1.3192%3,940
Net loans and leases to total assets50.1136%5,339
Net loans and leases to deposits65.1090%4,628
Net loans and leases to core deposits70.7515%4,443
Total domestic deposits to total assets76.9687%6,325
Equity capital to assets9.0701%5,622
Core capital (leverage) ratio7.3367%6,694
Tier 1 risk-based capital ratio10.7142%6,611
Total risk-based capital ratio11.9654%6,596
Memoranda:
Average total assets$844,968,330786
Average earning assets$757,208,670795
Average equity$75,733,330922
Average total loans$417,601,3301,003
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7884%6,270
Cost of funding earning assets0.8205%3,311
Net interest margin2.9679%6,362
Noninterest income to average assets0.9062%1,720
Noninterest expense to average assets3.0011%3,245
Loan and lease loss provision to assets0.0570%4,695
Net operating income to assets0.4087%5,218
Return on assets (ROA)0.4524%5,215
Pretax return on assets0.5625%5,230
Return on Equity (ROE)5.0781%4,752
Retained earnings to average equity (ytd only)5.0781%3,509
Net charge-offs to loans0.2902%2,509
Credit loss provision to net charge-offs40.4040%3,444
Earnings coverage of net charge-offs (x)4.0067%2,693
Efficiency ratio81.3632%2,027
Assets per employee ($millions)3.5614%4,974
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.9765%2,432
Loan loss allowance to noncurrent loans121.1375%2,598
Noncurrent assets plus other real estate owned to assets0.8804%4,767
Noncurrent loans to loans1.6316%3,664
Net loans and leases to total assets47.0856%5,675
Net loans and leases to deposits61.8723%4,939
Net loans and leases to core deposits67.4363%4,741
Total domestic deposits to total assets76.1011%6,531
Equity capital to assets8.8504%5,693
Core capital (leverage) ratio7.0708%6,814
Tier 1 risk-based capital ratio10.6778%6,682
Total risk-based capital ratio11.9308%6,658
Memoranda:
Average total assets$842,623,500792
Average earning assets$755,144,000798
Average equity$75,067,500925
Average total loans$409,330,5001,024
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1913%6,078
Cost of funding earning assets0.9966%3,405
Net interest margin3.1947%6,111
Noninterest income to average assets1.2884%776
Noninterest expense to average assets3.1877%2,909
Loan and lease loss provision to assets0.0749%5,676
Net operating income to assets0.7253%3,357
Return on assets (ROA)0.8360%3,051
Pretax return on assets1.0124%3,198
Return on Equity (ROE)8.4755%2,681
Retained earnings to average equity (ytd only)-16.8473%6,913
Net charge-offs to loans0.1826%4,692
Credit loss provision to net charge-offs83.6820%4,291
Earnings coverage of net charge-offs (x)10.6541%1,811
Efficiency ratio74.3819%3,161
Assets per employee ($millions)3.4178%5,204
Cash dividends to net income (ytd only)*298.7750%40
Condition Ratios (%)
Loss allowance to loans2.0319%2,177
Loan loss allowance to noncurrent loans161.1975%1,998
Noncurrent assets plus other real estate owned to assets0.7298%5,183
Noncurrent loans to loans1.2605%4,264
Net loans and leases to total assets48.1386%5,810
Net loans and leases to deposits62.0538%5,237
Net loans and leases to core deposits67.8020%5,053
Total domestic deposits to total assets77.5756%6,264
Equity capital to assets8.9688%5,582
Core capital (leverage) ratio7.2781%6,752
Tier 1 risk-based capital ratio10.7778%6,566
Total risk-based capital ratio12.0282%6,549
Memoranda:
Average total assets$800,732,000820
Average earning assets$715,146,000832
Average equity$78,980,200852
Average total loans$392,759,2001,088
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2833%5,999
Cost of funding earning assets1.0348%3,429
Net interest margin3.2485%6,021
Noninterest income to average assets1.1792%949
Noninterest expense to average assets3.2396%2,696
Loan and lease loss provision to assets0.0672%5,613
Net operating income to assets0.5689%4,226
Return on assets (ROA)0.6521%4,030
Pretax return on assets0.8894%3,809
Return on Equity (ROE)6.4582%3,792
Retained earnings to average equity (ytd only)-20.1735%7,085
Net charge-offs to loans0.1690%4,441
Credit loss provision to net charge-offs81.1359%4,108
Earnings coverage of net charge-offs (x)10.1703%1,960
Efficiency ratio76.7096%2,719
Assets per employee ($millions)3.2878%5,505
Cash dividends to net income (ytd only)*412.3715%24
Condition Ratios (%)
Loss allowance to loans2.1549%1,953
Loan loss allowance to noncurrent loans178.9542%1,712
Noncurrent assets plus other real estate owned to assets0.7283%5,334
Noncurrent loans to loans1.2041%4,530
Net loans and leases to total assets48.6651%5,878
Net loans and leases to deposits60.0056%5,627
Net loans and leases to core deposits66.1790%5,392
Total domestic deposits to total assets81.1010%5,399
Equity capital to assets9.8317%4,579
Core capital (leverage) ratio7.6507%6,669
Tier 1 risk-based capital ratio12.0186%5,880
Total risk-based capital ratio13.2753%5,869
Memoranda:
Average total assets$793,285,000833
Average earning assets$708,945,250848
Average equity$80,103,250842
Average total loans$388,925,7501,108
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3022%6,016
Cost of funding earning assets1.0639%3,514
Net interest margin3.2384%6,032
Noninterest income to average assets1.0480%1,198
Noninterest expense to average assets3.1594%3,052
Loan and lease loss provision to assets0.1001%5,070
Net operating income to assets0.5083%4,465
Return on assets (ROA)0.5967%4,215
Pretax return on assets0.8059%4,004
Return on Equity (ROE)5.8592%4,034
Retained earnings to average equity (ytd only)-18.7181%7,120
Net charge-offs to loans-0.1272%7,212
Credit loss provision to net charge-offs-161.2903%6,363
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.3437%2,803
Assets per employee ($millions)3.3010%5,424
Cash dividends to net income (ytd only)*419.4631%28
Condition Ratios (%)
Loss allowance to loans2.3596%1,650
Loan loss allowance to noncurrent loans118.5471%2,464
Noncurrent assets plus other real estate owned to assets1.0690%4,746
Noncurrent loans to loans1.9904%3,498
Net loans and leases to total assets48.9380%5,955
Net loans and leases to deposits61.1950%5,594
Net loans and leases to core deposits66.9797%5,392
Total domestic deposits to total assets79.9706%5,834
Equity capital to assets10.5533%3,437
Core capital (leverage) ratio7.9755%6,329
Tier 1 risk-based capital ratio13.4410%4,573
Total risk-based capital ratio14.7006%4,551
Memoranda:
Average total assets$799,075,000841
Average earning assets$715,115,000853
Average equity$81,375,670825
Average total loans$389,929,0001,116
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2506%6,145
Cost of funding earning assets1.0737%3,699
Net interest margin3.1769%6,145
Noninterest income to average assets1.0872%1,112
Noninterest expense to average assets2.9942%3,667
Loan and lease loss provision to assets0.1471%4,171
Net operating income to assets0.5697%4,182
Return on assets (ROA)0.5757%4,229
Pretax return on assets0.8037%3,889
Return on Equity (ROE)5.7511%4,045
Retained earnings to average equity (ytd only)-43.2364%7,372
Net charge-offs to loans-0.2219%7,279
Credit loss provision to net charge-offs-137.6147%5,763
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3931%3,622
Assets per employee ($millions)3.5462%4,885
Cash dividends to net income (ytd only)*851.7888%19
Condition Ratios (%)
Loss allowance to loans2.3179%1,732
Loan loss allowance to noncurrent loans109.7099%2,646
Noncurrent assets plus other real estate owned to assets1.0932%4,737
Noncurrent loans to loans2.1128%3,429
Net loans and leases to total assets46.1193%6,277
Net loans and leases to deposits59.5141%5,768
Net loans and leases to core deposits64.6946%5,657
Total domestic deposits to total assets77.4931%6,452
Equity capital to assets9.4746%4,476
Core capital (leverage) ratio7.6682%6,581
Tier 1 risk-based capital ratio12.7140%5,047
Total risk-based capital ratio13.9723%5,019
Memoranda:
Average total assets$815,699,500825
Average earning assets$731,662,000834
Average equity$81,653,500812
Average total loans$392,975,0001,115
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9953%4,583
Cost of funding earning assets1.2829%3,996
Net interest margin3.7124%4,297
Noninterest income to average assets1.4108%734
Noninterest expense to average assets3.2449%2,937
Loan and lease loss provision to assets0.3353%4,138
Net operating income to assets0.9027%2,373
Return on assets (ROA)0.9333%2,395
Pretax return on assets1.1587%2,367
Return on Equity (ROE)8.4259%2,524
Retained earnings to average equity (ytd only)4.9102%2,468
Net charge-offs to loans0.7435%2,790
Credit loss provision to net charge-offs82.1043%5,479
Earnings coverage of net charge-offs (x)3.5661%3,301
Efficiency ratio66.6768%4,822
Assets per employee ($millions)3.5780%4,758
Cash dividends to net income (ytd only)*41.7246%2,514
Condition Ratios (%)
Loss allowance to loans2.0977%2,078
Loan loss allowance to noncurrent loans115.3498%2,525
Noncurrent assets plus other real estate owned to assets1.0198%4,962
Noncurrent loans to loans1.8186%3,795
Net loans and leases to total assets48.1082%6,380
Net loans and leases to deposits60.8965%5,963
Net loans and leases to core deposits66.8346%5,795
Total domestic deposits to total assets78.9999%6,079
Equity capital to assets10.5458%3,111
Core capital (leverage) ratio8.6697%5,072
Tier 1 risk-based capital ratio13.9069%3,924
Total risk-based capital ratio15.1632%3,895
Memoranda:
Average total assets$770,406,800878
Average earning assets$682,816,000897
Average equity$85,331,800778
Average total loans$423,106,8001,055
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1569%4,042
Cost of funding earning assets1.3100%4,153
Net interest margin3.8469%3,767
Noninterest income to average assets1.4540%641
Noninterest expense to average assets3.1394%3,144
Loan and lease loss provision to assets0.3673%3,699
Net operating income to assets1.0417%2,095
Return on assets (ROA)1.0722%2,109
Pretax return on assets1.3859%1,926
Return on Equity (ROE)9.5570%2,299
Retained earnings to average equity (ytd only)9.5570%899
Net charge-offs to loans0.8889%2,220
Credit loss provision to net charge-offs73.1631%5,336
Earnings coverage of net charge-offs (x)3.4136%3,465
Efficiency ratio62.3873%5,544
Assets per employee ($millions)3.3619%5,294
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.9865%2,258
Loan loss allowance to noncurrent loans116.6643%2,422
Noncurrent assets plus other real estate owned to assets1.0394%5,026
Noncurrent loans to loans1.7028%4,083
Net loans and leases to total assets51.2402%6,196
Net loans and leases to deposits65.9962%5,668
Net loans and leases to core deposits72.6096%5,448
Total domestic deposits to total assets77.6411%6,336
Equity capital to assets11.3484%2,663
Core capital (leverage) ratio9.1628%4,439
Tier 1 risk-based capital ratio14.2458%3,668
Total risk-based capital ratio15.5011%3,624
Memoranda:
Average total assets$759,064,000890
Average earning assets$670,696,250916
Average equity$85,157,250775
Average total loans$428,667,2501,051
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2572%3,673
Cost of funding earning assets1.3537%4,170
Net interest margin3.9035%3,431
Noninterest income to average assets1.5004%571
Noninterest expense to average assets3.2356%2,782
Loan and lease loss provision to assets0.3737%3,471
Net operating income to assets1.0637%1,970
Return on assets (ROA)1.1291%1,831
Pretax return on assets1.4144%1,802
Return on Equity (ROE)10.1056%2,072
Retained earnings to average equity (ytd only)10.1056%824
Net charge-offs to loans0.8611%2,107
Credit loss provision to net charge-offs74.8929%4,844
Earnings coverage of net charge-offs (x)3.4197%3,332
Efficiency ratio63.1966%5,486
Assets per employee ($millions)3.2954%5,446
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.9669%2,261
Loan loss allowance to noncurrent loans77.0269%3,523
Noncurrent assets plus other real estate owned to assets1.6368%3,981
Noncurrent loans to loans2.5535%3,103
Net loans and leases to total assets54.9588%5,848
Net loans and leases to deposits71.6758%5,046
Net loans and leases to core deposits79.3387%4,768
Total domestic deposits to total assets76.6769%6,569
Equity capital to assets11.3891%2,531
Core capital (leverage) ratio8.9443%4,694
Tier 1 risk-based capital ratio13.4959%4,069
Total risk-based capital ratio14.7514%4,030
Memoranda:
Average total assets$748,734,670908
Average earning assets$660,120,000938
Average equity$83,657,000784
Average total loans$433,880,0001,046
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2487%3,785
Cost of funding earning assets1.4003%4,170
Net interest margin3.8483%3,580
Noninterest income to average assets1.7767%408
Noninterest expense to average assets3.1754%2,954
Loan and lease loss provision to assets0.4333%2,792
Net operating income to assets1.2980%1,302
Return on assets (ROA)1.4182%1,107
Pretax return on assets1.7035%1,052
Return on Equity (ROE)12.8228%1,289
Retained earnings to average equity (ytd only)12.8228%644
Net charge-offs to loans0.3368%3,060
Credit loss provision to net charge-offs218.3060%1,723
Earnings coverage of net charge-offs (x)10.0355%1,788
Efficiency ratio59.2779%6,292
Assets per employee ($millions)3.2263%5,707
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans2.1160%1,922
Loan loss allowance to noncurrent loans64.3473%4,152
Noncurrent assets plus other real estate owned to assets1.9592%3,549
Noncurrent loans to loans3.2884%2,425
Net loans and leases to total assets56.1872%5,718
Net loans and leases to deposits72.4825%4,988
Net loans and leases to core deposits81.0695%4,612
Total domestic deposits to total assets77.5183%6,445
Equity capital to assets11.0678%2,705
Core capital (leverage) ratio8.9664%4,623
Tier 1 risk-based capital ratio12.7270%4,535
Total risk-based capital ratio13.9841%4,492
Memoranda:
Average total assets$737,541,500935
Average earning assets$649,840,500963
Average equity$81,573,500811
Average total loans$434,669,0001,072
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7724%2,770
Cost of funding earning assets1.8629%3,658
Net interest margin3.9095%3,232
Noninterest income to average assets1.4466%694
Noninterest expense to average assets3.4260%2,593
Loan and lease loss provision to assets0.3885%4,458
Net operating income to assets0.7344%2,794
Return on assets (ROA)0.7670%2,743
Pretax return on assets1.1084%2,221
Return on Equity (ROE)6.8837%2,834
Retained earnings to average equity (ytd only)3.0121%3,058
Net charge-offs to loans0.3632%4,409
Credit loss provision to net charge-offs165.3611%2,637
Earnings coverage of net charge-offs (x)6.1695%2,423
Efficiency ratio67.9880%5,006
Assets per employee ($millions)3.0468%6,105
Cash dividends to net income (ytd only)*56.2430%2,183
Condition Ratios (%)
Loss allowance to loans2.1117%1,808
Loan loss allowance to noncurrent loans85.0346%3,260
Noncurrent assets plus other real estate owned to assets1.5855%4,000
Noncurrent loans to loans2.4834%3,060
Net loans and leases to total assets59.3485%5,443
Net loans and leases to deposits77.8353%4,412
Net loans and leases to core deposits93.4518%4,732
Total domestic deposits to total assets76.2488%6,632
Equity capital to assets11.0517%2,670
Core capital (leverage) ratio8.7102%4,907
Tier 1 risk-based capital ratio12.3867%4,609
Total risk-based capital ratio13.6444%4,568
Memoranda:
Average total assets$695,426,800991
Average earning assets$609,957,8001,025
Average equity$77,487,200832
Average total loans$449,887,6001,065
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8499%2,666
Cost of funding earning assets1.9441%3,646
Net interest margin3.9058%3,221
Noninterest income to average assets1.4866%669
Noninterest expense to average assets3.4417%2,445
Loan and lease loss provision to assets0.3437%4,263
Net operating income to assets0.7794%2,897
Return on assets (ROA)0.7565%3,063
Pretax return on assets1.0955%2,591
Return on Equity (ROE)6.7751%3,174
Retained earnings to average equity (ytd only)6.7751%1,599
Net charge-offs to loans0.2789%4,290
Credit loss provision to net charge-offs187.5262%2,424
Earnings coverage of net charge-offs (x)8.0346%2,314
Efficiency ratio67.7703%5,027
Assets per employee ($millions)3.0671%5,996
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.9642%1,882
Loan loss allowance to noncurrent loans87.6969%3,137
Noncurrent assets plus other real estate owned to assets1.5395%4,060
Noncurrent loans to loans2.2397%3,333
Net loans and leases to total assets62.3733%5,181
Net loans and leases to deposits82.7935%3,868
Net loans and leases to core deposits100.3370%4,332
Total domestic deposits to total assets75.3359%6,712
Equity capital to assets11.4973%2,587
Core capital (leverage) ratio8.9493%4,730
Tier 1 risk-based capital ratio12.1659%4,825
Total risk-based capital ratio13.4221%4,767
Memoranda:
Average total assets$694,091,500998
Average earning assets$609,089,0001,039
Average equity$77,497,250845
Average total loans$456,142,7501,067
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9082%2,548
Cost of funding earning assets2.0286%3,633
Net interest margin3.8796%3,211
Noninterest income to average assets1.4371%728
Noninterest expense to average assets3.5277%2,263
Loan and lease loss provision to assets0.3695%3,707
Net operating income to assets0.6622%3,416
Return on assets (ROA)0.6254%3,675
Pretax return on assets0.8889%3,381
Return on Equity (ROE)5.6580%3,800
Retained earnings to average equity (ytd only)5.6580%2,177
Net charge-offs to loans0.2227%4,109
Credit loss provision to net charge-offs249.8047%1,869
Earnings coverage of net charge-offs (x)8.8633%2,212
Efficiency ratio70.5970%4,657
Assets per employee ($millions)3.0413%6,024
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.8825%1,837
Loan loss allowance to noncurrent loans128.6117%2,289
Noncurrent assets plus other real estate owned to assets1.1850%4,568
Noncurrent loans to loans1.4637%4,297
Net loans and leases to total assets64.6089%4,856
Net loans and leases to deposits87.5138%3,260
Net loans and leases to core deposits105.3086%3,921
Total domestic deposits to total assets73.8270%6,975
Equity capital to assets11.1426%2,799
Core capital (leverage) ratio8.7252%5,049
Tier 1 risk-based capital ratio11.4247%5,469
Total risk-based capital ratio12.6800%5,373
Memoranda:
Average total assets$692,355,0001,016
Average earning assets$607,016,0001,056
Average equity$76,529,330869
Average total loans$459,885,0001,086
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9828%2,432
Cost of funding earning assets2.0751%3,769
Net interest margin3.9077%3,013
Noninterest income to average assets1.5355%588
Noninterest expense to average assets3.5535%1,965
Loan and lease loss provision to assets0.3473%3,242
Net operating income to assets0.7368%3,405
Return on assets (ROA)0.7962%3,308
Pretax return on assets1.1371%2,842
Return on Equity (ROE)7.2326%3,488
Retained earnings to average equity (ytd only)7.2326%2,118
Net charge-offs to loans-0.0226%7,471
Credit loss provision to net charge-offs-2,300.0000%6,643
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.4689%4,685
Assets per employee ($millions)2.9521%6,276
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.8441%1,751
Loan loss allowance to noncurrent loans62.5220%4,451
Noncurrent assets plus other real estate owned to assets2.0685%2,796
Noncurrent loans to loans2.9495%2,214
Net loans and leases to total assets65.7103%4,651
Net loans and leases to deposits87.4461%3,392
Net loans and leases to core deposits103.7966%4,158
Total domestic deposits to total assets75.1437%6,683
Equity capital to assets11.1289%2,871
Core capital (leverage) ratio8.6303%5,281
Tier 1 risk-based capital ratio11.1966%5,703
Total risk-based capital ratio12.4515%5,616
Memoranda:
Average total assets$688,788,0001,025
Average earning assets$602,393,0001,070
Average equity$75,823,500880
Average total loans$459,526,0001,094
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6266%2,365
Cost of funding earning assets2.6082%3,648
Net interest margin4.0184%3,031
Noninterest income to average assets1.6711%493
Noninterest expense to average assets3.8514%1,659
Loan and lease loss provision to assets0.1355%5,624
Net operating income to assets0.8164%3,362
Return on assets (ROA)0.6246%4,059
Pretax return on assets0.8956%3,741
Return on Equity (ROE)5.9070%3,981
Retained earnings to average equity (ytd only)4.4396%2,365
Net charge-offs to loans0.2065%4,141
Credit loss provision to net charge-offs92.5795%5,613
Earnings coverage of net charge-offs (x)8.9164%2,794
Efficiency ratio73.4336%3,674
Assets per employee ($millions)3.0122%6,029
Cash dividends to net income (ytd only)*24.8413%4,287
Condition Ratios (%)
Loss allowance to loans1.7310%1,821
Loan loss allowance to noncurrent loans97.3159%3,535
Noncurrent assets plus other real estate owned to assets1.3464%3,520
Noncurrent loans to loans1.7788%3,096
Net loans and leases to total assets65.3333%4,984
Net loans and leases to deposits88.7925%3,667
Net loans and leases to core deposits104.3876%4,358
Total domestic deposits to total assets73.5798%6,722
Equity capital to assets10.8868%3,128
Core capital (leverage) ratio8.4778%5,609
Tier 1 risk-based capital ratio10.8268%5,880
Total risk-based capital ratio12.0801%5,786
Memoranda:
Average total assets$580,051,4001,160
Average earning assets$503,106,8001,223
Average equity$61,334,0001,096
Average total loans$411,133,8001,169