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SKYLINE NATIONAL BANK, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0659%1,218
Cost of funding earning assets0.2838%2,561
Net interest margin3.7821%1,047
Noninterest income to average assets0.6702%1,870
Noninterest expense to average assets2.7775%1,418
Loan and lease loss provision to assets0.0772%1,580
Net operating income to assets1.0085%2,634
Return on assets (ROA)1.0337%2,615
Pretax return on assets1.2982%2,367
Return on Equity (ROE)11.2062%2,096
Retained earnings to average equity (ytd only)1.9535%3,988
Net charge-offs to loans-0.0079%3,665
Credit loss provision to net charge-offs-1,338.8889%3,982
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.8516%2,279
Assets per employee ($millions)4.5460%4,083
Cash dividends to net income (ytd only)*82.5674%456
Condition Ratios (%)
Loss allowance to loans0.8305%4,211
Loan loss allowance to noncurrent loans430.0758%1,620
Noncurrent assets plus other real estate owned to assets0.1326%3,012
Noncurrent loans to loans0.1931%2,983
Net loans and leases to total assets68.0875%1,254
Net loans and leases to deposits75.4638%1,607
Net loans and leases to core deposits79.0984%1,667
Total domestic deposits to total assets90.2254%857
Equity capital to assets8.8441%3,768
Core capital (leverage) ratio8.5763%3,845
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2339%2,828
Memoranda:
Average total assets$936,770,8001,008
Average earning assets$854,812,0001,029
Average equity$86,407,8001,135
Average total loans$685,761,400895
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0001%1,532
Cost of funding earning assets0.3041%2,553
Net interest margin3.6960%1,341
Noninterest income to average assets0.6591%1,977
Noninterest expense to average assets2.7348%1,498
Loan and lease loss provision to assets0.0833%1,425
Net operating income to assets0.9658%3,031
Return on assets (ROA)0.9989%2,977
Pretax return on assets1.2545%2,758
Return on Equity (ROE)10.7101%2,475
Retained earnings to average equity (ytd only)6.8434%2,478
Net charge-offs to loans-0.0144%3,829
Credit loss provision to net charge-offs-778.3784%3,790
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.1896%2,076
Assets per employee ($millions)4.4956%4,123
Cash dividends to net income (ytd only)*36.1031%1,797
Condition Ratios (%)
Loss allowance to loans0.8089%4,331
Loan loss allowance to noncurrent loans269.5483%2,126
Noncurrent assets plus other real estate owned to assets0.2101%2,725
Noncurrent loans to loans0.3001%2,719
Net loans and leases to total assets69.4426%1,137
Net loans and leases to deposits77.4845%1,527
Net loans and leases to core deposits81.5867%1,602
Total domestic deposits to total assets89.6214%952
Equity capital to assets8.9965%3,837
Core capital (leverage) ratio8.7254%3,830
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.5395%2,844
Memoranda:
Average total assets$922,072,5001,035
Average earning assets$841,281,0001,054
Average equity$85,997,5001,159
Average total loans$686,318,750908
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0219%1,521
Cost of funding earning assets0.3257%2,537
Net interest margin3.6962%1,358
Noninterest income to average assets0.6682%1,938
Noninterest expense to average assets2.8034%1,349
Loan and lease loss provision to assets0.0791%1,529
Net operating income to assets0.9252%3,144
Return on assets (ROA)0.9278%3,214
Pretax return on assets1.1633%3,016
Return on Equity (ROE)9.8225%2,817
Retained earnings to average equity (ytd only)6.6445%2,564
Net charge-offs to loans-0.0248%4,075
Credit loss provision to net charge-offs-420.0000%3,418
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5618%1,929
Assets per employee ($millions)4.2261%4,310
Cash dividends to net income (ytd only)*32.3543%1,947
Condition Ratios (%)
Loss allowance to loans0.7660%4,428
Loan loss allowance to noncurrent loans268.1727%2,058
Noncurrent assets plus other real estate owned to assets0.2104%2,891
Noncurrent loans to loans0.2856%2,906
Net loans and leases to total assets73.1032%846
Net loans and leases to deposits81.7634%1,253
Net loans and leases to core deposits86.2565%1,398
Total domestic deposits to total assets89.4082%1,078
Equity capital to assets9.1600%3,645
Core capital (leverage) ratio8.8870%3,594
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7411%2,793
Memoranda:
Average total assets$902,749,3331,048
Average earning assets$824,142,3331,062
Average equity$85,273,6671,160
Average total loans$686,386,000919
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0105%1,588
Cost of funding earning assets0.3536%2,496
Net interest margin3.6569%1,432
Noninterest income to average assets0.6344%2,077
Noninterest expense to average assets2.8542%1,246
Loan and lease loss provision to assets0.0736%1,708
Net operating income to assets0.8333%3,319
Return on assets (ROA)0.8388%3,382
Pretax return on assets1.0477%3,238
Return on Equity (ROE)8.7377%3,123
Retained earnings to average equity (ytd only)4.3144%3,412
Net charge-offs to loans0.0065%1,666
Credit loss provision to net charge-offs1,472.7273%325
Earnings coverage of net charge-offs (x)223.0909%372
Efficiency ratio70.0538%1,691
Assets per employee ($millions)4.0469%4,445
Cash dividends to net income (ytd only)*50.6226%1,097
Condition Ratios (%)
Loss allowance to loans0.7240%4,534
Loan loss allowance to noncurrent loans175.2602%2,567
Noncurrent assets plus other real estate owned to assets0.3179%2,553
Noncurrent loans to loans0.4131%2,619
Net loans and leases to total assets76.4069%598
Net loans and leases to deposits85.7953%972
Net loans and leases to core deposits90.2042%1,219
Total domestic deposits to total assets89.0572%1,315
Equity capital to assets9.3026%3,385
Core capital (leverage) ratio9.2459%3,324
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7823%2,742
Memoranda:
Average total assets$880,796,0001,059
Average earning assets$803,088,5001,078
Average equity$84,553,5001,153
Average total loans$680,890,000923
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5241%1,253
Cost of funding earning assets0.4903%3,008
Net interest margin4.0338%913
Noninterest income to average assets0.6421%2,057
Noninterest expense to average assets3.2201%1,022
Loan and lease loss provision to assets0.1529%2,459
Net operating income to assets0.7297%3,336
Return on assets (ROA)0.7616%3,359
Pretax return on assets0.9494%3,220
Return on Equity (ROE)7.1765%3,137
Retained earnings to average equity (ytd only)4.5924%2,484
Net charge-offs to loans0.0290%2,453
Credit loss provision to net charge-offs653.2967%1,049
Earnings coverage of net charge-offs (x)45.3846%1,284
Efficiency ratio73.0560%1,566
Assets per employee ($millions)3.8004%4,510
Cash dividends to net income (ytd only)*36.0074%2,554
Condition Ratios (%)
Loss allowance to loans0.7378%4,524
Loan loss allowance to noncurrent loans102.0196%3,303
Noncurrent assets plus other real estate owned to assets0.5617%1,882
Noncurrent loans to loans0.7232%1,890
Net loans and leases to total assets77.0912%688
Net loans and leases to deposits87.2476%1,158
Net loans and leases to core deposits91.7367%1,404
Total domestic deposits to total assets88.3591%1,300
Equity capital to assets9.9146%3,208
Core capital (leverage) ratio9.5030%3,112
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0990%2,591
Memoranda:
Average total assets$777,451,0001,084
Average earning assets$701,642,6001,099
Average equity$82,505,6001,126
Average total loans$627,995,000941
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5379%1,489
Cost of funding earning assets0.5039%3,198
Net interest margin4.0340%1,043
Noninterest income to average assets0.6554%1,962
Noninterest expense to average assets3.2360%1,009
Loan and lease loss provision to assets0.1806%2,179
Net operating income to assets0.6982%3,466
Return on assets (ROA)0.7410%3,416
Pretax return on assets0.9239%3,315
Return on Equity (ROE)6.8555%3,254
Retained earnings to average equity (ytd only)3.3846%3,361
Net charge-offs to loans0.0271%2,289
Credit loss provision to net charge-offs815.0794%965
Earnings coverage of net charge-offs (x)47.4286%1,233
Efficiency ratio73.2338%1,488
Assets per employee ($millions)3.6457%4,585
Cash dividends to net income (ytd only)*50.6290%1,476
Condition Ratios (%)
Loss allowance to loans0.7074%4,568
Loan loss allowance to noncurrent loans97.0249%3,300
Noncurrent assets plus other real estate owned to assets0.6050%1,914
Noncurrent loans to loans0.7290%1,980
Net loans and leases to total assets82.4046%406
Net loans and leases to deposits94.2254%908
Net loans and leases to core deposits99.5494%1,188
Total domestic deposits to total assets87.4547%1,474
Equity capital to assets10.1852%3,080
Core capital (leverage) ratio9.7027%3,029
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3193%2,496
Memoranda:
Average total assets$758,042,5001,087
Average earning assets$682,448,0001,109
Average equity$81,937,5001,123
Average total loans$618,970,000945
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6467%1,544
Cost of funding earning assets0.5139%3,447
Net interest margin4.1328%1,053
Noninterest income to average assets0.6578%1,906
Noninterest expense to average assets3.2815%1,023
Loan and lease loss provision to assets0.1993%2,055
Net operating income to assets0.7140%3,343
Return on assets (ROA)0.7577%3,307
Pretax return on assets0.9427%3,200
Return on Equity (ROE)6.8642%3,184
Retained earnings to average equity (ytd only)4.1779%2,832
Net charge-offs to loans-0.0083%4,154
Credit loss provision to net charge-offs-2,944.0000%3,980
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.7250%1,597
Assets per employee ($millions)3.5287%4,647
Cash dividends to net income (ytd only)*39.1351%1,983
Condition Ratios (%)
Loss allowance to loans0.7153%4,533
Loan loss allowance to noncurrent loans97.6500%3,235
Noncurrent assets plus other real estate owned to assets0.6003%2,004
Noncurrent loans to loans0.7326%2,045
Net loans and leases to total assets81.3580%462
Net loans and leases to deposits93.4474%1,011
Net loans and leases to core deposits98.8550%1,343
Total domestic deposits to total assets87.0629%1,592
Equity capital to assets10.4356%2,807
Core capital (leverage) ratio10.0997%2,737
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7984%2,271
Memoranda:
Average total assets$738,512,3331,094
Average earning assets$663,137,0001,121
Average equity$81,524,6671,123
Average total loans$599,381,000961
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8602%1,285
Cost of funding earning assets0.5365%3,764
Net interest margin4.3237%727
Noninterest income to average assets0.7034%1,639
Noninterest expense to average assets3.3349%1,167
Loan and lease loss provision to assets0.1812%1,647
Net operating income to assets0.8489%2,716
Return on assets (ROA)0.9443%2,468
Pretax return on assets1.1795%2,272
Return on Equity (ROE)8.3008%2,385
Retained earnings to average equity (ytd only)2.8840%3,129
Net charge-offs to loans-0.0258%4,413
Credit loss provision to net charge-offs-870.2703%3,524
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.5116%2,277
Assets per employee ($millions)3.2551%4,662
Cash dividends to net income (ytd only)*65.2563%1,283
Condition Ratios (%)
Loss allowance to loans0.7367%4,546
Loan loss allowance to noncurrent loans90.8547%3,385
Noncurrent assets plus other real estate owned to assets0.6535%2,042
Noncurrent loans to loans0.8108%1,984
Net loans and leases to total assets80.0056%696
Net loans and leases to deposits92.2153%1,258
Net loans and leases to core deposits97.9895%1,625
Total domestic deposits to total assets86.7596%1,666
Equity capital to assets11.3293%2,564
Core capital (leverage) ratio10.6961%2,746
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4793%2,484
Memoranda:
Average total assets$710,791,5001,099
Average earning assets$636,677,5001,133
Average equity$80,860,0001,123
Average total loans$573,772,000974
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9875%1,514
Cost of funding earning assets0.4646%4,225
Net interest margin4.5229%689
Noninterest income to average assets0.7047%1,801
Noninterest expense to average assets3.3771%1,156
Loan and lease loss provision to assets0.0954%2,128
Net operating income to assets1.0412%2,692
Return on assets (ROA)1.0509%2,748
Pretax return on assets1.3123%2,468
Return on Equity (ROE)9.3446%2,590
Retained earnings to average equity (ytd only)7.4239%1,194
Net charge-offs to loans0.0467%2,453
Credit loss provision to net charge-offs254.8638%1,076
Earnings coverage of net charge-offs (x)37.2840%1,377
Efficiency ratio68.2495%2,426
Assets per employee ($millions)3.3434%4,612
Cash dividends to net income (ytd only)*20.5544%3,469
Condition Ratios (%)
Loss allowance to loans0.6826%4,606
Loan loss allowance to noncurrent loans78.1884%3,625
Noncurrent assets plus other real estate owned to assets0.7058%1,833
Noncurrent loans to loans0.8730%1,755
Net loans and leases to total assets80.2967%743
Net loans and leases to deposits92.6782%1,293
Net loans and leases to core deposits98.9350%1,657
Total domestic deposits to total assets86.6403%1,786
Equity capital to assets11.4235%2,597
Core capital (leverage) ratio10.7987%2,679
Tier 1 risk-based capital ratio12.8564%3,870
Total risk-based capital ratio13.5319%4,066
Memoranda:
Average total assets$686,561,4001,088
Average earning assets$617,523,2001,117
Average equity$77,210,2001,117
Average total loans$550,488,800980
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9878%1,568
Cost of funding earning assets0.4442%4,350
Net interest margin4.5436%694
Noninterest income to average assets0.6969%1,799
Noninterest expense to average assets3.3292%1,207
Loan and lease loss provision to assets0.1300%1,487
Net operating income to assets1.0620%2,728
Return on assets (ROA)1.0690%2,780
Pretax return on assets1.3326%2,557
Return on Equity (ROE)9.5451%2,649
Retained earnings to average equity (ytd only)6.9558%1,882
Net charge-offs to loans0.0459%2,178
Credit loss provision to net charge-offs353.7234%853
Earnings coverage of net charge-offs (x)39.5480%1,381
Efficiency ratio67.0278%2,582
Assets per employee ($millions)3.3535%4,625
Cash dividends to net income (ytd only)*27.1263%2,742
Condition Ratios (%)
Loss allowance to loans0.7065%4,636
Loan loss allowance to noncurrent loans82.4751%3,592
Noncurrent assets plus other real estate owned to assets0.6938%1,962
Noncurrent loans to loans0.8566%1,874
Net loans and leases to total assets80.4171%792
Net loans and leases to deposits92.7366%1,347
Net loans and leases to core deposits98.7460%1,766
Total domestic deposits to total assets86.7157%1,673
Equity capital to assets11.3595%2,789
Core capital (leverage) ratio10.8048%2,835
Tier 1 risk-based capital ratio12.7517%3,990
Total risk-based capital ratio13.4534%4,190
Memoranda:
Average total assets$681,837,0001,096
Average earning assets$613,191,0001,122
Average equity$76,365,7501,125
Average total loans$545,522,750988
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9712%1,561
Cost of funding earning assets0.4170%4,441
Net interest margin4.5541%677
Noninterest income to average assets0.6905%1,754
Noninterest expense to average assets3.3722%1,150
Loan and lease loss provision to assets0.1517%1,207
Net operating income to assets1.0126%2,869
Return on assets (ROA)1.0116%2,948
Pretax return on assets1.2583%2,716
Return on Equity (ROE)9.0765%2,820
Retained earnings to average equity (ytd only)7.1012%1,759
Net charge-offs to loans0.0707%1,655
Credit loss provision to net charge-offs269.1099%967
Earnings coverage of net charge-offs (x)25.0366%1,610
Efficiency ratio67.7957%2,571
Assets per employee ($millions)3.2229%4,757
Cash dividends to net income (ytd only)*21.7620%2,964
Condition Ratios (%)
Loss allowance to loans0.6944%4,729
Loan loss allowance to noncurrent loans70.6514%3,823
Noncurrent assets plus other real estate owned to assets0.7947%1,764
Noncurrent loans to loans0.9829%1,661
Net loans and leases to total assets80.2899%838
Net loans and leases to deposits91.0147%1,627
Net loans and leases to core deposits96.6264%2,007
Total domestic deposits to total assets88.2164%1,001
Equity capital to assets11.3958%2,704
Core capital (leverage) ratio10.6474%2,942
Tier 1 risk-based capital ratio12.8318%3,925
Total risk-based capital ratio13.5252%4,125
Memoranda:
Average total assets$677,723,3301,098
Average earning assets$609,071,0001,126
Average equity$75,536,0001,132
Average total loans$539,960,330999
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9639%1,429
Cost of funding earning assets0.3885%4,538
Net interest margin4.5755%643
Noninterest income to average assets0.6421%1,850
Noninterest expense to average assets3.3706%1,161
Loan and lease loss provision to assets0.1407%1,216
Net operating income to assets0.9910%2,880
Return on assets (ROA)0.9844%2,947
Pretax return on assets1.2309%2,695
Return on Equity (ROE)8.9329%2,836
Retained earnings to average equity (ytd only)4.9305%2,934
Net charge-offs to loans0.0860%1,242
Credit loss provision to net charge-offs206.9565%1,031
Earnings coverage of net charge-offs (x)20.2957%1,563
Efficiency ratio68.2265%2,610
Assets per employee ($millions)3.2834%4,753
Cash dividends to net income (ytd only)*44.8048%1,792
Condition Ratios (%)
Loss allowance to loans0.6780%4,812
Loan loss allowance to noncurrent loans64.4805%3,987
Noncurrent assets plus other real estate owned to assets0.8336%1,705
Noncurrent loans to loans1.0515%1,586
Net loans and leases to total assets78.7369%1,026
Net loans and leases to deposits89.0653%1,744
Net loans and leases to core deposits93.8669%2,138
Total domestic deposits to total assets88.4035%1,128
Equity capital to assets11.1869%2,669
Core capital (leverage) ratio10.4185%3,147
Tier 1 risk-based capital ratio12.6947%4,048
Total risk-based capital ratio13.3640%4,285
Memoranda:
Average total assets$676,566,0001,101
Average earning assets$607,500,5001,131
Average equity$74,556,0001,141
Average total loans$535,030,5001,015
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8935%1,309
Cost of funding earning assets0.3551%4,251
Net interest margin4.5384%711
Noninterest income to average assets0.7731%1,557
Noninterest expense to average assets3.6780%793
Loan and lease loss provision to assets0.0543%3,085
Net operating income to assets0.8636%3,565
Return on assets (ROA)0.8636%3,563
Pretax return on assets1.0961%3,287
Return on Equity (ROE)8.2559%3,336
Retained earnings to average equity (ytd only)6.4633%1,944
Net charge-offs to loans0.0600%2,277
Credit loss provision to net charge-offs114.8410%2,260
Earnings coverage of net charge-offs (x)24.3428%1,818
Efficiency ratio74.1760%1,603
Assets per employee ($millions)3.3040%4,736
Cash dividends to net income (ytd only)*21.7131%3,418
Condition Ratios (%)
Loss allowance to loans0.6515%4,894
Loan loss allowance to noncurrent loans62.6456%4,066
Noncurrent assets plus other real estate owned to assets0.9303%1,480
Noncurrent loans to loans1.0400%1,572
Net loans and leases to total assets78.3067%1,225
Net loans and leases to deposits88.3461%2,007
Net loans and leases to core deposits93.0596%2,310
Total domestic deposits to total assets88.6362%1,009
Equity capital to assets10.9312%2,758
Core capital (leverage) ratio10.0907%3,474
Tier 1 risk-based capital ratio12.3578%4,207
Total risk-based capital ratio12.9996%4,470
Memoranda:
Average total assets$598,858,0001,204
Average earning assets$535,100,2001,239
Average equity$62,646,0001,275
Average total loans$471,535,2001,110
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7907%1,452
Cost of funding earning assets0.3431%4,231
Net interest margin4.4476%822
Noninterest income to average assets0.7948%1,488
Noninterest expense to average assets3.6245%824
Loan and lease loss provision to assets0.0595%2,790
Net operating income to assets0.8635%3,686
Return on assets (ROA)0.8644%3,691
Pretax return on assets1.0834%3,458
Return on Equity (ROE)8.3740%3,393
Retained earnings to average equity (ytd only)5.8662%2,723
Net charge-offs to loans0.0785%1,736
Credit loss provision to net charge-offs96.2687%2,348
Earnings coverage of net charge-offs (x)18.4816%2,051
Efficiency ratio74.3096%1,546
Assets per employee ($millions)3.3800%4,705
Cash dividends to net income (ytd only)*29.9467%2,554
Condition Ratios (%)
Loss allowance to loans0.6406%4,983
Loan loss allowance to noncurrent loans58.9656%4,222
Noncurrent assets plus other real estate owned to assets0.8617%1,715
Noncurrent loans to loans1.0864%1,566
Net loans and leases to total assets78.6034%1,233
Net loans and leases to deposits88.5779%2,080
Net loans and leases to core deposits93.4342%2,358
Total domestic deposits to total assets88.7393%939
Equity capital to assets10.6846%2,952
Core capital (leverage) ratio9.7751%3,867
Tier 1 risk-based capital ratio12.0483%4,478
Total risk-based capital ratio12.6817%4,707
Memoranda:
Average total assets$578,417,7501,241
Average earning assets$516,488,5001,279
Average equity$59,707,5001,326
Average total loans$455,302,7501,139
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5546%1,921
Cost of funding earning assets0.3149%4,314
Net interest margin4.2397%1,191
Noninterest income to average assets0.8154%1,431
Noninterest expense to average assets3.6045%860
Loan and lease loss provision to assets0.0532%2,847
Net operating income to assets0.7446%4,052
Return on assets (ROA)0.7460%4,050
Pretax return on assets0.9406%3,841
Return on Equity (ROE)7.3339%3,785
Retained earnings to average equity (ytd only)5.5221%2,810
Net charge-offs to loans0.1482%1,036
Credit loss provision to net charge-offs45.7413%2,516
Earnings coverage of net charge-offs (x)8.5237%2,467
Efficiency ratio77.3003%1,274
Assets per employee ($millions)3.0549%5,062
Cash dividends to net income (ytd only)*24.7047%2,824
Condition Ratios (%)
Loss allowance to loans0.7581%4,810
Loan loss allowance to noncurrent loans80.6539%3,834
Noncurrent assets plus other real estate owned to assets0.8235%1,818
Noncurrent loans to loans0.9400%1,852
Net loans and leases to total assets78.9854%1,167
Net loans and leases to deposits90.1324%1,822
Net loans and leases to core deposits92.7862%2,327
Total domestic deposits to total assets87.6326%1,572
Equity capital to assets10.2935%3,344
Core capital (leverage) ratio10.2534%3,288
Tier 1 risk-based capital ratio12.4424%4,223
Total risk-based capital ratio13.1889%4,410
Memoranda:
Average total assets$544,764,3301,301
Average earning assets$485,835,3301,352
Average equity$55,413,6701,414
Average total loans$427,918,0001,189
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4757%1,942
Cost of funding earning assets0.2966%4,379
Net interest margin4.1790%1,219
Noninterest income to average assets0.7101%1,785
Noninterest expense to average assets3.4486%1,084
Loan and lease loss provision to assets0.0396%2,964
Net operating income to assets0.7462%3,917
Return on assets (ROA)0.7439%3,928
Pretax return on assets0.9500%3,705
Return on Equity (ROE)7.3566%3,647
Retained earnings to average equity (ytd only)3.7146%3,710
Net charge-offs to loans0.0865%1,291
Credit loss provision to net charge-offs58.6957%1,893
Earnings coverage of net charge-offs (x)14.7065%1,697
Efficiency ratio76.4949%1,524
Assets per employee ($millions)3.0681%5,112
Cash dividends to net income (ytd only)*49.5069%1,528
Condition Ratios (%)
Loss allowance to loans0.8014%4,786
Loan loss allowance to noncurrent loans73.8858%3,957
Noncurrent assets plus other real estate owned to assets0.8511%1,856
Noncurrent loans to loans1.0847%1,687
Net loans and leases to total assets77.8366%1,268
Net loans and leases to deposits87.1159%2,038
Net loans and leases to core deposits89.8394%2,467
Total domestic deposits to total assets89.3484%942
Equity capital to assets10.1562%3,444
Core capital (leverage) ratio10.0027%3,538
Tier 1 risk-based capital ratio12.3224%4,361
Total risk-based capital ratio13.1099%4,526
Memoranda:
Average total assets$545,261,5001,315
Average earning assets$486,810,5001,363
Average equity$55,134,0001,424
Average total loans$425,487,0001,203
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5129%1,670
Cost of funding earning assets0.2985%4,158
Net interest margin4.2145%1,161
Noninterest income to average assets0.7185%1,891
Noninterest expense to average assets3.4730%1,084
Loan and lease loss provision to assets0.0393%3,483
Net operating income to assets0.4529%4,523
Return on assets (ROA)0.4809%4,459
Pretax return on assets1.0135%3,517
Return on Equity (ROE)4.8778%4,211
Retained earnings to average equity (ytd only)3.4023%3,248
Net charge-offs to loans0.0440%2,912
Credit loss provision to net charge-offs117.9348%2,217
Earnings coverage of net charge-offs (x)30.3043%1,539
Efficiency ratio76.3504%1,568
Assets per employee ($millions)3.1830%5,048
Cash dividends to net income (ytd only)*30.2483%3,297
Condition Ratios (%)
Loss allowance to loans0.8127%4,786
Loan loss allowance to noncurrent loans64.7235%4,194
Noncurrent assets plus other real estate owned to assets0.9745%1,588
Noncurrent loans to loans1.2557%1,401
Net loans and leases to total assets76.9744%1,437
Net loans and leases to deposits86.0116%2,259
Net loans and leases to core deposits88.4434%2,688
Total domestic deposits to total assets89.4931%782
Equity capital to assets10.0671%3,624
Core capital (leverage) ratio9.8098%3,688
Tier 1 risk-based capital ratio12.3345%4,304
Total risk-based capital ratio13.1369%4,487
Memoranda:
Average total assets$552,661,2001,279
Average earning assets$493,514,6001,320
Average equity$54,491,8001,418
Average total loans$418,613,4001,189
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4625%1,752
Cost of funding earning assets0.2986%4,145
Net interest margin4.1639%1,242
Noninterest income to average assets0.6708%2,121
Noninterest expense to average assets3.4447%1,074
Loan and lease loss provision to assets0.0561%2,968
Net operating income to assets0.6195%4,316
Return on assets (ROA)0.6407%4,281
Pretax return on assets0.9192%3,969
Return on Equity (ROE)6.5320%3,897
Retained earnings to average equity (ytd only)4.5592%3,179
Net charge-offs to loans0.0393%2,653
Credit loss provision to net charge-offs189.4309%1,403
Earnings coverage of net charge-offs (x)31.9179%1,495
Efficiency ratio77.3111%1,421
Assets per employee ($millions)3.1552%5,119
Cash dividends to net income (ytd only)*30.2028%2,744
Condition Ratios (%)
Loss allowance to loans0.8340%4,802
Loan loss allowance to noncurrent loans61.5197%4,308
Noncurrent assets plus other real estate owned to assets1.0512%1,605
Noncurrent loans to loans1.3556%1,389
Net loans and leases to total assets76.8961%1,435
Net loans and leases to deposits86.0367%2,286
Net loans and leases to core deposits88.5199%2,722
Total domestic deposits to total assets89.3760%710
Equity capital to assets10.1710%3,728
Core capital (leverage) ratio9.6683%3,967
Tier 1 risk-based capital ratio12.2285%4,478
Total risk-based capital ratio13.0678%4,622
Memoranda:
Average total assets$553,957,0001,286
Average earning assets$494,743,0001,325
Average equity$54,336,0001,432
Average total loans$417,049,0001,202
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4089%1,786
Cost of funding earning assets0.2960%4,122
Net interest margin4.1129%1,295
Noninterest income to average assets0.6438%2,233
Noninterest expense to average assets3.5372%955
Loan and lease loss provision to assets0.0568%2,838
Net operating income to assets0.5155%4,668
Return on assets (ROA)0.5443%4,586
Pretax return on assets0.7696%4,375
Return on Equity (ROE)5.6172%4,216
Retained earnings to average equity (ytd only)4.1267%3,252
Net charge-offs to loans0.0048%3,303
Credit loss provision to net charge-offs1,580.0000%260
Earnings coverage of net charge-offs (x)218.7000%386
Efficiency ratio80.6433%1,140
Assets per employee ($millions)3.0406%5,230
Cash dividends to net income (ytd only)*26.5347%2,881
Condition Ratios (%)
Loss allowance to loans0.8483%4,821
Loan loss allowance to noncurrent loans61.9229%4,339
Noncurrent assets plus other real estate owned to assets1.0520%1,664
Noncurrent loans to loans1.3700%1,412
Net loans and leases to total assets75.3560%1,635
Net loans and leases to deposits83.9849%2,479
Net loans and leases to core deposits86.8252%2,810
Total domestic deposits to total assets89.7256%633
Equity capital to assets9.9139%4,007
Core capital (leverage) ratio9.3785%4,257
Tier 1 risk-based capital ratio12.1917%4,495
Total risk-based capital ratio13.0530%4,650
Memoranda:
Average total assets$556,657,0001,292
Average earning assets$497,950,0001,319
Average equity$53,941,6701,446
Average total loans$414,974,3301,207
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3726%1,742
Cost of funding earning assets0.2964%4,082
Net interest margin4.0762%1,281
Noninterest income to average assets0.6362%2,241
Noninterest expense to average assets3.5158%1,022
Loan and lease loss provision to assets0.0774%2,265
Net operating income to assets0.4879%4,645
Return on assets (ROA)0.4879%4,670
Pretax return on assets0.6885%4,484
Return on Equity (ROE)5.0934%4,343
Retained earnings to average equity (ytd only)2.0867%4,310
Net charge-offs to loans-0.0466%5,152
Credit loss provision to net charge-offs-225.0000%4,062
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.9237%1,267
Assets per employee ($millions)3.1532%5,217
Cash dividends to net income (ytd only)*59.0308%1,458
Condition Ratios (%)
Loss allowance to loans0.8672%4,875
Loan loss allowance to noncurrent loans68.9948%4,228
Noncurrent assets plus other real estate owned to assets0.9412%1,955
Noncurrent loans to loans1.2569%1,607
Net loans and leases to total assets73.2448%1,867
Net loans and leases to deposits81.4554%2,574
Net loans and leases to core deposits84.2490%2,875
Total domestic deposits to total assets89.9201%698
Equity capital to assets9.6384%4,143
Core capital (leverage) ratio9.1434%4,550
Tier 1 risk-based capital ratio11.9454%4,753
Total risk-based capital ratio12.8178%4,885
Memoranda:
Average total assets$558,287,0001,289
Average earning assets$499,293,5001,320
Average equity$53,481,0001,453
Average total loans$412,168,5001,214
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7133%1,044
Cost of funding earning assets0.4642%2,406
Net interest margin4.2492%1,016
Noninterest income to average assets0.7856%1,805
Noninterest expense to average assets4.0027%596
Loan and lease loss provision to assets-0.0012%5,457
Net operating income to assets0.3807%5,005
Return on assets (ROA)0.4385%4,917
Pretax return on assets0.6662%4,603
Return on Equity (ROE)4.5683%4,631
Retained earnings to average equity (ytd only)3.1371%3,673
Net charge-offs to loans-0.0023%4,712
Credit loss provision to net charge-offs71.4286%3,113
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.6475%774
Assets per employee ($millions)3.1912%5,154
Cash dividends to net income (ytd only)*31.3286%3,259
Condition Ratios (%)
Loss allowance to loans0.8302%5,021
Loan loss allowance to noncurrent loans73.3276%4,149
Noncurrent assets plus other real estate owned to assets0.8477%2,227
Noncurrent loans to loans1.1321%1,815
Net loans and leases to total assets73.1568%1,984
Net loans and leases to deposits81.5459%2,720
Net loans and leases to core deposits83.6291%3,060
Total domestic deposits to total assets89.7125%769
Equity capital to assets9.5206%4,248
Core capital (leverage) ratio9.0119%4,732
Tier 1 risk-based capital ratio11.8802%4,807
Total risk-based capital ratio12.7212%4,977
Memoranda:
Average total assets$417,115,4001,623
Average earning assets$372,496,8001,671
Average equity$40,037,2001,845
Average total loans$309,492,4001,481
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7305%1,010
Cost of funding earning assets0.4916%2,156
Net interest margin4.2389%1,048
Noninterest income to average assets0.8102%1,717
Noninterest expense to average assets3.6921%861
Loan and lease loss provision to assets0.0049%4,133
Net operating income to assets0.5855%4,348
Return on assets (ROA)0.6681%4,131
Pretax return on assets1.0229%3,539
Return on Equity (ROE)6.9396%3,593
Retained earnings to average equity (ytd only)4.8610%2,919
Net charge-offs to loans-0.0225%5,050
Credit loss provision to net charge-offs-29.1667%4,651
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.8494%1,454
Assets per employee ($millions)3.0690%5,319
Cash dividends to net income (ytd only)*29.9530%2,837
Condition Ratios (%)
Loss allowance to loans0.8518%5,031
Loan loss allowance to noncurrent loans172.1920%2,510
Noncurrent assets plus other real estate owned to assets0.3744%3,926
Noncurrent loans to loans0.4947%3,517
Net loans and leases to total assets72.5234%2,111
Net loans and leases to deposits82.2359%2,698
Net loans and leases to core deposits84.5178%3,077
Total domestic deposits to total assets88.1894%1,306
Equity capital to assets9.6326%4,531
Core capital (leverage) ratio9.0052%4,826
Tier 1 risk-based capital ratio12.0648%4,749
Total risk-based capital ratio12.9187%4,899
Memoranda:
Average total assets$381,780,5001,756
Average earning assets$340,675,7501,826
Average equity$36,754,5001,999
Average total loans$283,873,5001,597
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4266%1,755
Cost of funding earning assets0.5345%1,833
Net interest margin3.8921%2,006
Noninterest income to average assets0.7638%1,870
Noninterest expense to average assets3.5242%1,122
Loan and lease loss provision to assets-0.0589%5,834
Net operating income to assets0.4952%4,699
Return on assets (ROA)0.6418%4,225
Pretax return on assets0.9837%3,642
Return on Equity (ROE)6.6685%3,709
Retained earnings to average equity (ytd only)4.9177%2,784
Net charge-offs to loans0.0116%3,314
Credit loss provision to net charge-offs-678.5714%5,009
Earnings coverage of net charge-offs (x)80.6429%700
Efficiency ratio83.4409%1,099
Assets per employee ($millions)2.9109%5,523
Cash dividends to net income (ytd only)*26.2548%2,982
Condition Ratios (%)
Loss allowance to loans1.3517%2,521
Loan loss allowance to noncurrent loans280.4237%1,731
Noncurrent assets plus other real estate owned to assets0.4018%3,886
Noncurrent loans to loans0.4820%3,643
Net loans and leases to total assets76.1115%1,476
Net loans and leases to deposits88.0387%1,992
Net loans and leases to core deposits89.3878%2,593
Total domestic deposits to total assets86.4523%2,194
Equity capital to assets10.0045%4,221
Core capital (leverage) ratio9.7952%3,818
Tier 1 risk-based capital ratio12.6869%4,395
Total risk-based capital ratio13.9624%4,280
Memoranda:
Average total assets$322,854,3302,059
Average earning assets$286,993,6702,131
Average equity$31,071,3302,302
Average total loans$242,309,3301,843
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4147%1,763
Cost of funding earning assets0.5875%1,425
Net interest margin3.8272%2,198
Noninterest income to average assets0.7309%1,899
Noninterest expense to average assets3.8030%774
Loan and lease loss provision to assets-0.1069%5,989
Net operating income to assets0.2665%5,387
Return on assets (ROA)0.5503%4,523
Pretax return on assets0.8869%3,898
Return on Equity (ROE)5.8304%4,066
Retained earnings to average equity (ytd only)3.5919%3,702
Net charge-offs to loans0.0315%2,320
Credit loss provision to net charge-offs-457.8947%4,535
Earnings coverage of net charge-offs (x)14.4211%1,700
Efficiency ratio91.8694%559
Assets per employee ($millions)2.8546%5,639
Cash dividends to net income (ytd only)*38.3929%2,137
Condition Ratios (%)
Loss allowance to loans1.3748%2,540
Loan loss allowance to noncurrent loans238.7888%1,944
Noncurrent assets plus other real estate owned to assets0.4745%3,699
Noncurrent loans to loans0.5757%3,465
Net loans and leases to total assets74.3150%1,684
Net loans and leases to deposits85.5621%2,112
Net loans and leases to core deposits86.9756%2,661
Total domestic deposits to total assets86.8551%2,272
Equity capital to assets9.7007%4,448
Core capital (leverage) ratio9.3253%4,462
Tier 1 risk-based capital ratio12.5118%4,571
Total risk-based capital ratio13.7753%4,471
Memoranda:
Average total assets$325,638,5002,053
Average earning assets$290,031,0002,128
Average equity$30,735,5002,321
Average total loans$241,064,0001,852
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3217%2,143
Cost of funding earning assets0.7573%617
Net interest margin3.5644%3,264
Noninterest income to average assets0.7526%1,970
Noninterest expense to average assets3.4735%1,346
Loan and lease loss provision to assets-0.0566%5,765
Net operating income to assets0.3170%5,310
Return on assets (ROA)0.3358%5,342
Pretax return on assets0.5342%5,030
Return on Equity (ROE)3.6355%5,090
Retained earnings to average equity (ytd only)2.7446%4,117
Net charge-offs to loans0.2533%1,186
Credit loss provision to net charge-offs-32.2414%5,020
Earnings coverage of net charge-offs (x)2.5552%3,877
Efficiency ratio88.5692%796
Assets per employee ($millions)2.9341%5,580
Cash dividends to net income (ytd only)*24.5045%3,595
Condition Ratios (%)
Loss allowance to loans1.4170%2,341
Loan loss allowance to noncurrent loans215.1038%2,148
Noncurrent assets plus other real estate owned to assets0.6023%3,277
Noncurrent loans to loans0.6587%3,218
Net loans and leases to total assets71.7216%2,102
Net loans and leases to deposits84.9579%2,245
Net loans and leases to core deposits86.4626%2,761
Total domestic deposits to total assets84.4202%3,323
Equity capital to assets9.1858%4,931
Core capital (leverage) ratio8.9114%4,989
Tier 1 risk-based capital ratio11.5111%5,248
Total risk-based capital ratio12.7779%5,146
Memoranda:
Average total assets$330,590,4001,987
Average earning assets$293,934,6002,053
Average equity$30,532,2002,283
Average total loans$229,013,8001,864
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3036%2,214
Cost of funding earning assets0.7731%586
Net interest margin3.5305%3,428
Noninterest income to average assets0.7402%2,065
Noninterest expense to average assets3.2179%1,921
Loan and lease loss provision to assets-0.0480%5,909
Net operating income to assets0.5044%4,771
Return on assets (ROA)0.5332%4,761
Pretax return on assets0.7455%4,515
Return on Equity (ROE)5.7650%4,268
Retained earnings to average equity (ytd only)4.5780%3,217
Net charge-offs to loans0.3428%768
Credit loss provision to net charge-offs-20.4819%4,889
Earnings coverage of net charge-offs (x)2.8038%3,599
Efficiency ratio83.0348%1,266
Assets per employee ($millions)2.9391%5,609
Cash dividends to net income (ytd only)*20.5906%3,209
Condition Ratios (%)
Loss allowance to loans1.5158%2,089
Loan loss allowance to noncurrent loans199.9426%2,255
Noncurrent assets plus other real estate owned to assets0.6028%3,461
Noncurrent loans to loans0.7581%3,065
Net loans and leases to total assets68.1777%2,654
Net loans and leases to deposits80.9157%2,772
Net loans and leases to core deposits82.4878%3,202
Total domestic deposits to total assets84.2576%3,318
Equity capital to assets9.3679%4,919
Core capital (leverage) ratio9.1091%4,863
Tier 1 risk-based capital ratio11.8314%5,179
Total risk-based capital ratio13.1063%5,089
Memoranda:
Average total assets$330,348,7502,002
Average earning assets$293,362,2502,070
Average equity$30,551,2502,293
Average total loans$225,963,2501,896
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2830%2,220
Cost of funding earning assets0.7859%538
Net interest margin3.4971%3,515
Noninterest income to average assets0.7387%2,048
Noninterest expense to average assets3.2042%1,973
Loan and lease loss provision to assets-0.0637%6,046
Net operating income to assets0.5042%4,748
Return on assets (ROA)0.5422%4,701
Pretax return on assets0.7545%4,476
Return on Equity (ROE)5.8886%4,187
Retained earnings to average equity (ytd only)5.2299%2,716
Net charge-offs to loans0.3570%733
Credit loss provision to net charge-offs-26.1845%4,751
Earnings coverage of net charge-offs (x)2.6234%3,310
Efficiency ratio83.3938%1,331
Assets per employee ($millions)2.8677%5,744
Cash dividends to net income (ytd only)*11.1857%3,431
Condition Ratios (%)
Loss allowance to loans1.6172%1,856
Loan loss allowance to noncurrent loans109.6246%3,497
Noncurrent assets plus other real estate owned to assets1.0906%2,331
Noncurrent loans to loans1.4752%1,799
Net loans and leases to total assets69.0694%2,474
Net loans and leases to deposits82.0902%2,539
Net loans and leases to core deposits83.7984%2,999
Total domestic deposits to total assets84.1385%3,504
Equity capital to assets9.3989%4,779
Core capital (leverage) ratio9.0402%4,905
Tier 1 risk-based capital ratio12.1164%5,068
Total risk-based capital ratio13.3889%4,949
Memoranda:
Average total assets$329,757,6702,014
Average earning assets$292,646,3302,088
Average equity$30,364,0002,315
Average total loans$224,645,0001,917
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2174%2,390
Cost of funding earning assets0.7913%530
Net interest margin3.4262%3,731
Noninterest income to average assets0.7396%1,967
Noninterest expense to average assets3.1701%2,063
Loan and lease loss provision to assets-0.1636%6,248
Net operating income to assets0.5451%4,493
Return on assets (ROA)0.5544%4,572
Pretax return on assets0.7925%4,269
Return on Equity (ROE)6.0823%3,989
Retained earnings to average equity (ytd only)6.0823%2,445
Net charge-offs to loans0.3978%618
Credit loss provision to net charge-offs-61.2613%4,420
Earnings coverage of net charge-offs (x)2.3063%2,784
Efficiency ratio83.7357%1,411
Assets per employee ($millions)2.9674%5,711
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.7127%1,704
Loan loss allowance to noncurrent loans90.4514%3,912
Noncurrent assets plus other real estate owned to assets1.3209%2,008
Noncurrent loans to loans1.8935%1,424
Net loans and leases to total assets66.0815%2,749
Net loans and leases to deposits78.3020%2,762
Net loans and leases to core deposits80.2341%3,128
Total domestic deposits to total assets84.3931%3,654
Equity capital to assets9.2915%4,981
Core capital (leverage) ratio8.8182%5,180
Tier 1 risk-based capital ratio12.1856%5,122
Total risk-based capital ratio13.4596%5,016
Memoranda:
Average total assets$332,612,5002,002
Average earning assets$295,725,0002,081
Average equity$30,317,5002,328
Average total loans$223,219,0001,928
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4445%2,089
Cost of funding earning assets0.8888%411
Net interest margin3.5557%3,579
Noninterest income to average assets0.5324%3,288
Noninterest expense to average assets3.2908%1,956
Loan and lease loss provision to assets0.0885%2,698
Net operating income to assets0.2087%5,747
Return on assets (ROA)0.2984%5,591
Pretax return on assets0.4065%5,468
Return on Equity (ROE)3.3694%5,344
Retained earnings to average equity (ytd only)3.3694%3,812
Net charge-offs to loans0.3230%1,369
Credit loss provision to net charge-offs42.0000%3,637
Earnings coverage of net charge-offs (x)1.7657%4,339
Efficiency ratio89.8397%854
Assets per employee ($millions)2.9989%5,699
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.8768%1,371
Loan loss allowance to noncurrent loans90.8203%3,948
Noncurrent assets plus other real estate owned to assets1.5817%1,710
Noncurrent loans to loans2.0665%1,326
Net loans and leases to total assets65.7316%2,937
Net loans and leases to deposits77.5490%3,025
Net loans and leases to core deposits79.8215%3,317
Total domestic deposits to total assets84.7614%3,385
Equity capital to assets8.9387%5,350
Core capital (leverage) ratio8.7262%5,324
Tier 1 risk-based capital ratio12.7287%4,904
Total risk-based capital ratio14.0013%4,794
Memoranda:
Average total assets$332,109,4001,952
Average earning assets$292,403,4002,054
Average equity$29,411,6002,309
Average total loans$216,718,8001,924
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4376%2,089
Cost of funding earning assets0.9028%414
Net interest margin3.5348%3,697
Noninterest income to average assets0.6897%2,382
Noninterest expense to average assets3.1509%2,320
Loan and lease loss provision to assets0.0932%2,497
Net operating income to assets0.4026%5,240
Return on assets (ROA)0.4736%5,058
Pretax return on assets0.6491%4,877
Return on Equity (ROE)5.3603%4,551
Retained earnings to average equity (ytd only)5.3603%2,843
Net charge-offs to loans0.3185%1,249
Credit loss provision to net charge-offs45.1362%3,196
Earnings coverage of net charge-offs (x)3.1245%3,735
Efficiency ratio83.0053%1,494
Assets per employee ($millions)3.0271%5,700
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.9503%1,350
Loan loss allowance to noncurrent loans60.7072%4,755
Noncurrent assets plus other real estate owned to assets2.7149%922
Noncurrent loans to loans3.2126%786
Net loans and leases to total assets65.0603%3,017
Net loans and leases to deposits76.9886%3,071
Net loans and leases to core deposits79.3344%3,396
Total domestic deposits to total assets84.5064%3,546
Equity capital to assets9.1592%5,201
Core capital (leverage) ratio9.0199%5,050
Tier 1 risk-based capital ratio12.8157%4,967
Total risk-based capital ratio14.1393%4,841
Memoranda:
Average total assets$331,917,2501,964
Average earning assets$291,679,0002,069
Average equity$29,325,7502,326
Average total loans$215,150,7501,948
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4278%2,069
Cost of funding earning assets0.9121%401
Net interest margin3.5157%3,715
Noninterest income to average assets0.6858%2,352
Noninterest expense to average assets3.1360%2,370
Loan and lease loss provision to assets0.0519%3,265
Net operating income to assets0.4267%5,105
Return on assets (ROA)0.4910%4,918
Pretax return on assets0.6677%4,742
Return on Equity (ROE)5.6264%4,372
Retained earnings to average equity (ytd only)5.6264%2,561
Net charge-offs to loans0.3724%1,091
Credit loss provision to net charge-offs21.6625%3,181
Earnings coverage of net charge-offs (x)2.6423%3,506
Efficiency ratio83.2106%1,602
Assets per employee ($millions)2.9964%5,753
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.9782%1,403
Loan loss allowance to noncurrent loans45.8883%5,321
Noncurrent assets plus other real estate owned to assets3.4399%687
Noncurrent loans to loans4.3109%522
Net loans and leases to total assets64.3447%3,023
Net loans and leases to deposits76.1046%3,042
Net loans and leases to core deposits78.5060%3,377
Total domestic deposits to total assets84.5476%3,702
Equity capital to assets9.0877%5,211
Core capital (leverage) ratio8.8286%5,251
Tier 1 risk-based capital ratio12.5517%5,192
Total risk-based capital ratio13.9079%5,050
Memoranda:
Average total assets$331,564,0001,969
Average earning assets$290,754,3302,068
Average equity$28,935,0002,349
Average total loans$213,219,3301,958
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5121%1,781
Cost of funding earning assets0.9208%407
Net interest margin3.5913%3,287
Noninterest income to average assets0.6555%2,428
Noninterest expense to average assets3.0805%2,588
Loan and lease loss provision to assets0.0541%3,032
Net operating income to assets0.4921%4,727
Return on assets (ROA)0.4992%4,779
Pretax return on assets0.6784%4,558
Return on Equity (ROE)5.8397%4,108
Retained earnings to average equity (ytd only)5.8397%2,630
Net charge-offs to loans0.4328%842
Credit loss provision to net charge-offs19.6507%2,505
Earnings coverage of net charge-offs (x)2.6245%2,835
Efficiency ratio80.9930%2,052
Assets per employee ($millions)3.0639%5,750
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.0827%1,361
Loan loss allowance to noncurrent loans44.4882%5,414
Noncurrent assets plus other real estate owned to assets3.5686%728
Noncurrent loans to loans4.6815%501
Net loans and leases to total assets62.0405%3,234
Net loans and leases to deposits72.9905%3,202
Net loans and leases to core deposits75.1732%3,509
Total domestic deposits to total assets84.9981%3,870
Equity capital to assets8.6902%5,451
Core capital (leverage) ratio8.6663%5,432
Tier 1 risk-based capital ratio12.6697%5,208
Total risk-based capital ratio14.0293%5,074
Memoranda:
Average total assets$332,546,0001,973
Average earning assets$291,482,5002,066
Average equity$28,426,0002,372
Average total loans$211,649,0001,963
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4644%2,344
Cost of funding earning assets1.0385%377
Net interest margin3.4259%4,181
Noninterest income to average assets0.5379%3,493
Noninterest expense to average assets3.2044%2,405
Loan and lease loss provision to assets0.3730%831
Net operating income to assets0.0111%6,194
Return on assets (ROA)0.0384%6,196
Pretax return on assets-0.0118%6,242
Return on Equity (ROE)0.4479%6,176
Retained earnings to average equity (ytd only)0.4479%5,647
Net charge-offs to loans0.7672%819
Credit loss provision to net charge-offs77.1107%3,112
Earnings coverage of net charge-offs (x)0.6585%4,866
Efficiency ratio90.9575%955
Assets per employee ($millions)3.0379%5,776
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans2.1687%1,221
Loan loss allowance to noncurrent loans38.4474%5,682
Noncurrent assets plus other real estate owned to assets4.2696%602
Noncurrent loans to loans5.6406%389
Net loans and leases to total assets62.5459%3,289
Net loans and leases to deposits73.3397%3,352
Net loans and leases to core deposits75.6633%3,652
Total domestic deposits to total assets85.2824%3,604
Equity capital to assets8.4046%5,691
Core capital (leverage) ratio8.4876%5,689
Tier 1 risk-based capital ratio12.4546%5,313
Total risk-based capital ratio13.7975%5,215
Memoranda:
Average total assets$330,550,2001,951
Average earning assets$288,012,0002,059
Average equity$28,356,4002,351
Average total loans$208,407,4001,939
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4897%2,274
Cost of funding earning assets1.0597%376
Net interest margin3.4300%4,166
Noninterest income to average assets0.7098%2,552
Noninterest expense to average assets3.0487%2,821
Loan and lease loss provision to assets0.3523%907
Net operating income to assets0.2353%5,823
Return on assets (ROA)0.2801%5,789
Pretax return on assets0.3474%5,751
Return on Equity (ROE)3.2481%5,513
Retained earnings to average equity (ytd only)3.2481%4,364
Net charge-offs to loans0.7830%755
Credit loss provision to net charge-offs71.6161%3,039
Earnings coverage of net charge-offs (x)1.3101%4,402
Efficiency ratio82.5503%1,752
Assets per employee ($millions)2.9510%5,923
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.1911%1,343
Loan loss allowance to noncurrent loans38.6732%5,680
Noncurrent assets plus other real estate owned to assets4.5985%643
Noncurrent loans to loans5.6658%471
Net loans and leases to total assets62.8357%3,197
Net loans and leases to deposits73.8035%3,260
Net loans and leases to core deposits75.8281%3,635
Total domestic deposits to total assets85.1391%3,669
Equity capital to assets8.4579%5,780
Core capital (leverage) ratio8.7578%5,466
Tier 1 risk-based capital ratio12.6813%5,340
Total risk-based capital ratio13.9896%5,241
Memoranda:
Average total assets$330,405,7501,961
Average earning assets$287,377,2502,074
Average equity$28,488,0002,374
Average total loans$207,584,7501,951
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4816%2,269
Cost of funding earning assets1.0748%374
Net interest margin3.4068%4,167
Noninterest income to average assets0.7454%2,436
Noninterest expense to average assets3.0481%2,845
Loan and lease loss provision to assets0.4195%721
Net operating income to assets0.2000%5,888
Return on assets (ROA)0.2535%5,895
Pretax return on assets0.2939%5,891
Return on Equity (ROE)2.9218%5,649
Retained earnings to average equity (ytd only)2.9218%4,451
Net charge-offs to loans0.8208%769
Credit loss provision to net charge-offs81.9575%2,591
Earnings coverage of net charge-offs (x)1.2724%4,117
Efficiency ratio82.3952%1,837
Assets per employee ($millions)2.9023%6,018
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.3059%1,254
Loan loss allowance to noncurrent loans37.8208%5,721
Noncurrent assets plus other real estate owned to assets4.8216%646
Noncurrent loans to loans6.0968%452
Net loans and leases to total assets62.6143%3,178
Net loans and leases to deposits73.7357%3,196
Net loans and leases to core deposits75.9844%3,544
Total domestic deposits to total assets84.9172%3,926
Equity capital to assets8.7018%5,546
Core capital (leverage) ratio8.6391%5,505
Tier 1 risk-based capital ratio12.5974%5,437
Total risk-based capital ratio13.9025%5,331
Memoranda:
Average total assets$331,353,0001,959
Average earning assets$287,305,3302,081
Average equity$28,749,0002,363
Average total loans$206,633,6701,963
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3451%2,711
Cost of funding earning assets1.0887%395
Net interest margin3.2564%4,703
Noninterest income to average assets0.6900%2,649
Noninterest expense to average assets2.9632%3,105
Loan and lease loss provision to assets0.5130%520
Net operating income to assets0.0646%6,218
Return on assets (ROA)0.0646%6,304
Pretax return on assets0.0143%6,387
Return on Equity (ROE)0.7453%6,269
Retained earnings to average equity (ytd only)0.7453%5,532
Net charge-offs to loans0.6006%1,015
Credit loss provision to net charge-offs138.8350%1,443
Earnings coverage of net charge-offs (x)1.4272%3,358
Efficiency ratio84.8921%1,651
Assets per employee ($millions)2.9469%6,076
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.4627%1,160
Loan loss allowance to noncurrent loans35.1690%5,814
Noncurrent assets plus other real estate owned to assets5.1604%691
Noncurrent loans to loans7.0025%421
Net loans and leases to total assets60.3841%3,364
Net loans and leases to deposits71.0871%3,314
Net loans and leases to core deposits73.0492%3,698
Total domestic deposits to total assets84.9438%4,070
Equity capital to assets8.7348%5,780
Core capital (leverage) ratio8.4206%5,681
Tier 1 risk-based capital ratio12.5938%5,520
Total risk-based capital ratio13.8797%5,445
Memoranda:
Average total assets$334,499,5001,963
Average earning assets$287,680,5002,103
Average equity$28,980,5002,379
Average total loans$205,781,5001,978
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5106%3,353
Cost of funding earning assets1.1943%598
Net interest margin3.3163%5,197
Noninterest income to average assets0.6591%2,944
Noninterest expense to average assets3.7298%1,362
Loan and lease loss provision to assets0.4533%1,387
Net operating income to assets-0.3449%6,477
Return on assets (ROA)-0.0006%6,306
Pretax return on assets-0.0620%6,336
Return on Equity (ROE)-0.0072%6,307
Retained earnings to average equity (ytd only)-0.0072%5,839
Net charge-offs to loans0.7272%1,614
Credit loss provision to net charge-offs100.9823%3,000
Earnings coverage of net charge-offs (x)-0.3268%5,623
Efficiency ratio104.0942%441
Assets per employee ($millions)3.0000%6,016
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans2.4133%1,211
Loan loss allowance to noncurrent loans33.7532%5,904
Noncurrent assets plus other real estate owned to assets5.1887%734
Noncurrent loans to loans7.1497%439
Net loans and leases to total assets59.6579%3,661
Net loans and leases to deposits70.0225%3,710
Net loans and leases to core deposits72.1144%4,032
Total domestic deposits to total assets85.1982%3,769
Equity capital to assets8.5935%5,972
Core capital (leverage) ratio8.3254%5,861
Tier 1 risk-based capital ratio12.5122%5,468
Total risk-based capital ratio13.7746%5,413
Memoranda:
Average total assets$340,154,0001,904
Average earning assets$299,914,4001,972
Average equity$27,939,8002,397
Average total loans$209,969,6001,918
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5322%3,512
Cost of funding earning assets1.2133%653
Net interest margin3.3189%5,317
Noninterest income to average assets0.6151%3,188
Noninterest expense to average assets3.4396%1,897
Loan and lease loss provision to assets0.5541%1,040
Net operating income to assets-0.4224%6,657
Return on assets (ROA)0.1438%6,197
Pretax return on assets0.1250%6,236
Return on Equity (ROE)1.7709%6,085
Retained earnings to average equity (ytd only)1.7709%5,442
Net charge-offs to loans0.8116%1,347
Credit loss provision to net charge-offs110.3502%2,657
Earnings coverage of net charge-offs (x)0.2249%5,213
Efficiency ratio96.8210%645
Assets per employee ($millions)2.9722%6,093
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans2.4558%1,262
Loan loss allowance to noncurrent loans31.6199%6,058
Noncurrent assets plus other real estate owned to assets5.6066%751
Noncurrent loans to loans7.7666%420
Net loans and leases to total assets60.0193%3,783
Net loans and leases to deposits70.2111%3,868
Net loans and leases to core deposits72.1846%4,226
Total domestic deposits to total assets85.4840%3,514
Equity capital to assets8.2601%6,451
Core capital (leverage) ratio8.6748%5,510
Tier 1 risk-based capital ratio13.1296%5,146
Total risk-based capital ratio14.3926%5,101
Memoranda:
Average total assets$341,192,7501,910
Average earning assets$301,979,5001,972
Average equity$27,706,2502,439
Average total loans$211,110,2501,938
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5320%3,635
Cost of funding earning assets1.2290%718
Net interest margin3.3030%5,434
Noninterest income to average assets0.5925%3,298
Noninterest expense to average assets3.4073%2,016
Loan and lease loss provision to assets0.6158%950
Net operating income to assets-0.4755%6,720
Return on assets (ROA)0.2187%6,049
Pretax return on assets0.2292%6,099
Return on Equity (ROE)2.7081%5,806
Retained earnings to average equity (ytd only)2.7081%4,821
Net charge-offs to loans0.8429%1,313
Credit loss provision to net charge-offs117.8571%2,338
Earnings coverage of net charge-offs (x)0.2188%4,961
Efficiency ratio96.7544%676
Assets per employee ($millions)2.9253%6,192
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans2.4663%1,329
Loan loss allowance to noncurrent loans26.6493%6,295
Noncurrent assets plus other real estate owned to assets6.4947%630
Noncurrent loans to loans9.2546%314
Net loans and leases to total assets59.4596%3,919
Net loans and leases to deposits69.3696%3,985
Net loans and leases to core deposits71.4702%4,361
Total domestic deposits to total assets85.7142%3,502
Equity capital to assets8.1783%6,474
Core capital (leverage) ratio8.6169%5,493
Tier 1 risk-based capital ratio13.3365%4,940
Total risk-based capital ratio14.6045%4,890
Memoranda:
Average total assets$342,971,3301,904
Average earning assets$304,146,3301,955
Average equity$27,694,3302,424
Average total loans$212,595,6701,926
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4166%4,261
Cost of funding earning assets1.2503%775
Net interest margin3.1663%5,860
Noninterest income to average assets0.5012%3,901
Noninterest expense to average assets3.4096%1,984
Loan and lease loss provision to assets0.3666%1,721
Net operating income to assets-0.3425%6,728
Return on assets (ROA)0.6242%4,449
Pretax return on assets0.8399%4,266
Return on Equity (ROE)7.7786%3,372
Retained earnings to average equity (ytd only)7.7786%2,060
Net charge-offs to loans0.4753%1,902
Credit loss provision to net charge-offs123.4375%1,937
Earnings coverage of net charge-offs (x)-0.3359%4,478
Efficiency ratio103.0144%472
Assets per employee ($millions)2.8411%6,449
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.3622%1,572
Loan loss allowance to noncurrent loans23.5955%6,434
Noncurrent assets plus other real estate owned to assets6.9877%620
Noncurrent loans to loans10.0114%304
Net loans and leases to total assets60.1401%3,636
Net loans and leases to deposits70.0511%3,732
Net loans and leases to core deposits72.3566%4,093
Total domestic deposits to total assets85.8518%3,616
Equity capital to assets8.0265%6,507
Core capital (leverage) ratio8.5672%5,483
Tier 1 risk-based capital ratio13.0664%5,160
Total risk-based capital ratio14.3288%5,114
Memoranda:
Average total assets$344,788,0001,905
Average earning assets$305,847,5001,947
Average equity$27,665,5002,414
Average total loans$215,458,0001,898
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8516%3,579
Cost of funding earning assets1.5345%625
Net interest margin3.3171%5,759
Noninterest income to average assets0.5195%3,720
Noninterest expense to average assets3.0233%3,504
Loan and lease loss provision to assets1.3344%600
Net operating income to assets-0.5258%6,508
Return on assets (ROA)-0.4180%6,480
Pretax return on assets-0.7357%6,615
Return on Equity (ROE)-5.1618%6,536
Retained earnings to average equity (ytd only)-5.1618%6,458
Net charge-offs to loans1.8597%778
Credit loss provision to net charge-offs109.1220%3,076
Earnings coverage of net charge-offs (x)0.3519%5,559
Efficiency ratio87.5404%1,395
Assets per employee ($millions)2.8579%6,365
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans2.2549%1,699
Loan loss allowance to noncurrent loans21.3542%6,572
Noncurrent assets plus other real estate owned to assets7.6619%558
Noncurrent loans to loans10.5595%284
Net loans and leases to total assets61.9505%3,610
Net loans and leases to deposits72.0640%3,782
Net loans and leases to core deposits74.5479%4,168
Total domestic deposits to total assets85.9660%3,340
Equity capital to assets8.0214%6,562
Core capital (leverage) ratio8.2650%5,899
Tier 1 risk-based capital ratio12.8492%5,197
Total risk-based capital ratio14.1106%5,164
Memoranda:
Average total assets$358,584,6001,807
Average earning assets$317,176,2001,856
Average equity$29,040,0002,270
Average total loans$235,789,6001,776
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9202%3,470
Cost of funding earning assets1.5989%585
Net interest margin3.3212%5,801
Noninterest income to average assets0.4673%4,151
Noninterest expense to average assets2.9535%3,731
Loan and lease loss provision to assets1.5257%442
Net operating income to assets-0.6191%6,708
Return on assets (ROA)-0.4990%6,685
Pretax return on assets-0.8871%6,826
Return on Equity (ROE)-6.1477%6,728
Retained earnings to average equity (ytd only)-6.1477%6,655
Net charge-offs to loans1.9804%645
Credit loss provision to net charge-offs116.1616%2,815
Earnings coverage of net charge-offs (x)0.3434%5,353
Efficiency ratio86.7504%1,456
Assets per employee ($millions)2.9374%6,249
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans2.2596%1,753
Loan loss allowance to noncurrent loans23.6168%6,550
Noncurrent assets plus other real estate owned to assets7.2734%658
Noncurrent loans to loans9.5676%381
Net loans and leases to total assets62.2871%3,649
Net loans and leases to deposits72.5431%3,882
Net loans and leases to core deposits75.0236%4,319
Total domestic deposits to total assets85.8622%3,294
Equity capital to assets8.2013%6,564
Core capital (leverage) ratio8.3694%5,900
Tier 1 risk-based capital ratio12.5724%5,430
Total risk-based capital ratio13.8391%5,396
Memoranda:
Average total assets$361,780,2501,808
Average earning assets$319,954,7501,851
Average equity$29,365,5002,239
Average total loans$239,945,0001,758
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9986%3,164
Cost of funding earning assets1.6019%687
Net interest margin3.3967%5,567
Noninterest income to average assets0.5666%3,358
Noninterest expense to average assets2.9135%3,972
Loan and lease loss provision to assets1.4471%496
Net operating income to assets-0.4246%6,635
Return on assets (ROA)-0.3314%6,598
Pretax return on assets-0.6370%6,726
Return on Equity (ROE)-4.0968%6,652
Retained earnings to average equity (ytd only)-4.0968%6,480
Net charge-offs to loans1.8631%733
Credit loss provision to net charge-offs115.6346%2,646
Earnings coverage of net charge-offs (x)0.5310%4,910
Efficiency ratio81.4286%2,182
Assets per employee ($millions)3.0070%6,074
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans2.0662%2,192
Loan loss allowance to noncurrent loans26.4000%6,458
Noncurrent assets plus other real estate owned to assets6.4749%826
Noncurrent loans to loans7.8267%595
Net loans and leases to total assets64.8776%3,278
Net loans and leases to deposits76.7370%3,332
Net loans and leases to core deposits79.2276%3,895
Total domestic deposits to total assets84.5454%4,101
Equity capital to assets8.2296%6,492
Core capital (leverage) ratio8.3286%5,821
Tier 1 risk-based capital ratio12.5309%5,316
Total risk-based capital ratio13.8018%5,273
Memoranda:
Average total assets$363,897,0001,799
Average earning assets$322,607,6701,848
Average equity$29,437,3302,212
Average total loans$244,425,0001,746
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1459%2,451
Cost of funding earning assets1.6552%664
Net interest margin3.4907%5,053
Noninterest income to average assets0.5592%3,439
Noninterest expense to average assets2.8986%4,061
Loan and lease loss provision to assets1.4237%460
Net operating income to assets-0.3448%6,700
Return on assets (ROA)-0.2834%6,660
Pretax return on assets-0.5636%6,788
Return on Equity (ROE)-3.5336%6,712
Retained earnings to average equity (ytd only)-3.5336%6,368
Net charge-offs to loans1.5525%871
Credit loss provision to net charge-offs135.6179%2,053
Earnings coverage of net charge-offs (x)0.7279%4,087
Efficiency ratio79.1369%2,673
Assets per employee ($millions)3.1036%5,939
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans2.0089%2,397
Loan loss allowance to noncurrent loans32.8205%6,111
Noncurrent assets plus other real estate owned to assets5.4267%1,124
Noncurrent loans to loans6.1208%1,022
Net loans and leases to total assets65.0649%3,226
Net loans and leases to deposits76.6765%3,302
Net loans and leases to core deposits79.3129%3,845
Total domestic deposits to total assets84.8564%4,107
Equity capital to assets8.0210%6,473
Core capital (leverage) ratio8.3287%5,753
Tier 1 risk-based capital ratio12.5796%5,189
Total risk-based capital ratio13.8423%5,152
Memoranda:
Average total assets$366,931,0001,796
Average earning assets$326,238,5001,836
Average equity$29,432,0002,209
Average total loans$248,113,0001,739
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5922%1,929
Cost of funding earning assets1.9831%641
Net interest margin3.6091%4,776
Noninterest income to average assets0.6501%3,154
Noninterest expense to average assets2.8826%4,307
Loan and lease loss provision to assets0.6799%2,423
Net operating income to assets0.2347%5,159
Return on assets (ROA)0.3576%4,875
Pretax return on assets0.4513%4,793
Return on Equity (ROE)4.4093%4,339
Retained earnings to average equity (ytd only)2.1111%4,406
Net charge-offs to loans0.5779%3,312
Credit loss provision to net charge-offs164.8063%2,090
Earnings coverage of net charge-offs (x)2.3651%3,960
Efficiency ratio74.7122%3,253
Assets per employee ($millions)3.1155%5,847
Cash dividends to net income (ytd only)*52.1212%1,979
Condition Ratios (%)
Loss allowance to loans1.7949%2,879
Loan loss allowance to noncurrent loans27.2858%6,461
Noncurrent assets plus other real estate owned to assets5.4138%1,143
Noncurrent loans to loans6.5780%902
Net loans and leases to total assets67.5979%3,076
Net loans and leases to deposits79.6322%3,239
Net loans and leases to core deposits82.4283%3,836
Total domestic deposits to total assets84.8877%3,912
Equity capital to assets8.0213%6,478
Core capital (leverage) ratio8.2941%5,696
Tier 1 risk-based capital ratio12.3737%5,140
Total risk-based capital ratio13.6310%5,103
Memoranda:
Average total assets$369,176,0001,782
Average earning assets$328,171,2001,815
Average equity$29,936,8002,180
Average total loans$263,555,4001,682
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6811%1,776
Cost of funding earning assets2.0426%656
Net interest margin3.6386%4,682
Noninterest income to average assets0.6310%3,247
Noninterest expense to average assets2.8761%4,176
Loan and lease loss provision to assets0.5639%2,689
Net operating income to assets0.3469%4,986
Return on assets (ROA)0.4070%4,896
Pretax return on assets0.4975%4,935
Return on Equity (ROE)5.0051%4,284
Retained earnings to average equity (ytd only)2.7155%4,526
Net charge-offs to loans0.4368%3,551
Credit loss provision to net charge-offs179.2431%2,053
Earnings coverage of net charge-offs (x)3.1410%3,572
Efficiency ratio74.4282%3,237
Assets per employee ($millions)3.1470%5,810
Cash dividends to net income (ytd only)*45.7446%1,814
Condition Ratios (%)
Loss allowance to loans1.6225%3,435
Loan loss allowance to noncurrent loans24.7971%6,665
Noncurrent assets plus other real estate owned to assets5.3887%1,159
Noncurrent loans to loans6.5432%911
Net loans and leases to total assets68.7455%3,045
Net loans and leases to deposits81.0827%3,251
Net loans and leases to core deposits83.9913%3,937
Total domestic deposits to total assets84.7844%3,734
Equity capital to assets8.1674%6,651
Core capital (leverage) ratio8.3189%5,832
Tier 1 risk-based capital ratio12.0350%5,428
Total risk-based capital ratio13.2900%5,392
Memoranda:
Average total assets$369,561,5001,798
Average earning assets$328,399,7501,842
Average equity$30,048,7502,193
Average total loans$266,180,5001,683
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7321%1,641
Cost of funding earning assets2.0835%703
Net interest margin3.6487%4,584
Noninterest income to average assets0.5267%3,904
Noninterest expense to average assets2.9034%4,062
Loan and lease loss provision to assets0.4621%3,007
Net operating income to assets0.3444%4,994
Return on assets (ROA)0.3599%5,089
Pretax return on assets0.4169%5,172
Return on Equity (ROE)4.4326%4,581
Retained earnings to average equity (ytd only)2.1293%4,790
Net charge-offs to loans0.3840%3,441
Credit loss provision to net charge-offs165.3696%2,380
Earnings coverage of net charge-offs (x)3.0817%3,463
Efficiency ratio77.1264%2,876
Assets per employee ($millions)3.0809%5,979
Cash dividends to net income (ytd only)*51.9637%1,597
Condition Ratios (%)
Loss allowance to loans1.4611%4,114
Loan loss allowance to noncurrent loans22.9179%6,795
Noncurrent assets plus other real estate owned to assets5.4745%1,129
Noncurrent loans to loans6.3756%956
Net loans and leases to total assets71.5735%2,521
Net loans and leases to deposits84.5059%2,792
Net loans and leases to core deposits87.8429%3,567
Total domestic deposits to total assets84.6964%3,772
Equity capital to assets8.2463%6,485
Core capital (leverage) ratio8.2880%5,794
Tier 1 risk-based capital ratio11.8251%5,462
Total risk-based capital ratio13.0785%5,433
Memoranda:
Average total assets$367,918,6701,820
Average earning assets$326,476,3301,862
Average equity$29,869,6702,198
Average total loans$267,677,0001,697
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7910%1,493
Cost of funding earning assets2.1111%786
Net interest margin3.6798%4,351
Noninterest income to average assets0.5133%3,946
Noninterest expense to average assets2.8901%4,100
Loan and lease loss provision to assets0.3115%3,551
Net operating income to assets0.4597%4,574
Return on assets (ROA)0.4906%4,574
Pretax return on assets0.6197%4,529
Return on Equity (ROE)6.0900%3,832
Retained earnings to average equity (ytd only)3.7726%3,881
Net charge-offs to loans0.1446%4,066
Credit loss provision to net charge-offs295.8763%1,341
Earnings coverage of net charge-offs (x)8.4742%1,958
Efficiency ratio76.4132%3,146
Assets per employee ($millions)3.0933%6,012
Cash dividends to net income (ytd only)*38.0531%1,815
Condition Ratios (%)
Loss allowance to loans1.4048%4,402
Loan loss allowance to noncurrent loans23.0817%6,851
Noncurrent assets plus other real estate owned to assets5.1646%1,227
Noncurrent loans to loans6.0860%1,074
Net loans and leases to total assets71.4070%2,588
Net loans and leases to deposits84.2822%2,895
Net loans and leases to core deposits87.5793%3,669
Total domestic deposits to total assets84.7238%3,794
Equity capital to assets8.1249%6,513
Core capital (leverage) ratio8.3114%5,720
Tier 1 risk-based capital ratio11.8300%5,366
Total risk-based capital ratio13.0827%5,308
Memoranda:
Average total assets$368,565,0001,862
Average earning assets$327,406,5001,908
Average equity$29,688,0002,236
Average total loans$268,366,5001,750
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0783%1,580
Cost of funding earning assets2.5719%846
Net interest margin3.5064%4,926
Noninterest income to average assets0.5347%4,143
Noninterest expense to average assets2.9840%4,213
Loan and lease loss provision to assets0.4053%4,387
Net operating income to assets0.2267%4,813
Return on assets (ROA)0.2781%4,709
Pretax return on assets0.3251%4,699
Return on Equity (ROE)3.6126%4,249
Retained earnings to average equity (ytd only)2.3978%3,450
Net charge-offs to loans0.4798%3,863
Credit loss provision to net charge-offs115.0463%4,744
Earnings coverage of net charge-offs (x)1.9035%4,297
Efficiency ratio81.6498%2,650
Assets per employee ($millions)3.1011%5,991
Cash dividends to net income (ytd only)*33.6266%3,183
Condition Ratios (%)
Loss allowance to loans1.3160%4,669
Loan loss allowance to noncurrent loans23.2019%6,905
Noncurrent assets plus other real estate owned to assets4.9132%1,263
Noncurrent loans to loans5.6719%1,126
Net loans and leases to total assets72.2390%2,694
Net loans and leases to deposits85.0250%3,079
Net loans and leases to core deposits114.6460%2,448
Total domestic deposits to total assets84.9622%3,565
Equity capital to assets7.9853%6,600
Core capital (leverage) ratio8.1666%5,872
Tier 1 risk-based capital ratio11.5563%5,339
Total risk-based capital ratio12.8075%5,298
Memoranda:
Average total assets$367,858,2001,847
Average earning assets$327,312,8001,903
Average equity$28,317,6002,346
Average total loans$270,104,4001,778
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1177%1,586
Cost of funding earning assets2.6634%878
Net interest margin3.4543%5,054
Noninterest income to average assets0.5133%4,379
Noninterest expense to average assets2.9433%4,261
Loan and lease loss provision to assets0.3127%4,473
Net operating income to assets0.2833%4,845
Return on assets (ROA)0.3344%4,758
Pretax return on assets0.3925%4,816
Return on Equity (ROE)4.3857%4,216
Retained earnings to average equity (ytd only)3.5675%3,298
Net charge-offs to loans0.4235%3,565
Credit loss provision to net charge-offs100.4662%5,050
Earnings coverage of net charge-offs (x)2.0723%4,268
Efficiency ratio82.0259%2,580
Assets per employee ($millions)3.0564%6,021
Cash dividends to net income (ytd only)*18.6553%3,285
Condition Ratios (%)
Loss allowance to loans1.2430%4,886
Loan loss allowance to noncurrent loans25.2951%6,769
Noncurrent assets plus other real estate owned to assets4.4379%1,384
Noncurrent loans to loans4.9141%1,368
Net loans and leases to total assets72.8692%2,831
Net loans and leases to deposits85.7943%3,355
Net loans and leases to core deposits114.5017%2,780
Total domestic deposits to total assets84.9347%3,270
Equity capital to assets7.7994%7,043
Core capital (leverage) ratio8.2679%5,886
Tier 1 risk-based capital ratio11.7551%5,196
Total risk-based capital ratio13.0095%5,135
Memoranda:
Average total assets$367,565,5001,865
Average earning assets$327,196,5001,914
Average equity$28,030,0002,391
Average total loans$270,096,0001,796
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1257%1,708
Cost of funding earning assets2.7576%885
Net interest margin3.3680%5,290
Noninterest income to average assets0.5046%4,406
Noninterest expense to average assets2.9291%4,388
Loan and lease loss provision to assets0.3165%4,048
Net operating income to assets0.2262%5,173
Return on assets (ROA)0.3056%4,984
Pretax return on assets0.3453%5,082
Return on Equity (ROE)4.0376%4,484
Retained earnings to average equity (ytd only)4.0376%3,040
Net charge-offs to loans0.4387%3,055
Credit loss provision to net charge-offs98.3108%4,668
Earnings coverage of net charge-offs (x)1.7787%4,223
Efficiency ratio83.6491%2,517
Assets per employee ($millions)3.0505%6,000
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.2368%4,694
Loan loss allowance to noncurrent loans29.8521%6,492
Noncurrent assets plus other real estate owned to assets3.9351%1,524
Noncurrent loans to loans4.1432%1,606
Net loans and leases to total assets73.6898%2,791
Net loans and leases to deposits86.6149%3,435
Net loans and leases to core deposits115.9672%2,716
Total domestic deposits to total assets85.0775%3,225
Equity capital to assets7.6760%7,106
Core capital (leverage) ratio8.1207%6,124
Tier 1 risk-based capital ratio11.8766%5,019
Total risk-based capital ratio13.1171%4,947
Memoranda:
Average total assets$367,830,3301,885
Average earning assets$327,311,6701,930
Average equity$27,838,0002,413
Average total loans$269,919,0001,822
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2070%1,577
Cost of funding earning assets2.8316%904
Net interest margin3.3754%5,231
Noninterest income to average assets0.4840%4,467
Noninterest expense to average assets2.6567%5,196
Loan and lease loss provision to assets0.1459%5,075
Net operating income to assets0.5189%4,348
Return on assets (ROA)0.5391%4,447
Pretax return on assets0.7195%4,361
Return on Equity (ROE)7.1735%3,523
Retained earnings to average equity (ytd only)7.1735%2,149
Net charge-offs to loans0.1915%3,488
Credit loss provision to net charge-offs104.6512%3,613
Earnings coverage of net charge-offs (x)6.0155%2,562
Efficiency ratio76.0124%3,491
Assets per employee ($millions)3.1639%5,692
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.2573%4,362
Loan loss allowance to noncurrent loans28.3214%6,663
Noncurrent assets plus other real estate owned to assets3.9192%1,326
Noncurrent loans to loans4.4394%1,303
Net loans and leases to total assets70.8063%3,517
Net loans and leases to deposits84.9571%3,831
Net loans and leases to core deposits115.3390%2,869
Total domestic deposits to total assets83.3436%3,982
Equity capital to assets7.5505%7,310
Core capital (leverage) ratio8.0542%6,374
Tier 1 risk-based capital ratio11.8041%5,120
Total risk-based capital ratio13.0550%5,036
Memoranda:
Average total assets$370,238,0001,883
Average earning assets$330,271,0001,919
Average equity$27,824,5002,431
Average total loans$269,451,0001,843
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6518%2,237
Cost of funding earning assets3.1685%1,290
Net interest margin3.4832%5,353
Noninterest income to average assets0.5829%3,984
Noninterest expense to average assets2.7155%5,198
Loan and lease loss provision to assets0.3296%3,752
Net operating income to assets0.6873%3,946
Return on assets (ROA)0.2360%5,562
Pretax return on assets0.2365%5,653
Return on Equity (ROE)3.1851%5,158
Retained earnings to average equity (ytd only)0.5080%4,931
Net charge-offs to loans0.2214%4,012
Credit loss provision to net charge-offs200.6689%2,427
Earnings coverage of net charge-offs (x)6.1940%3,418
Efficiency ratio72.7447%3,804
Assets per employee ($millions)3.1379%5,659
Cash dividends to net income (ytd only)*84.0512%1,523
Condition Ratios (%)
Loss allowance to loans1.2390%4,241
Loan loss allowance to noncurrent loans31.0881%6,653
Noncurrent assets plus other real estate owned to assets3.6681%1,193
Noncurrent loans to loans3.9854%1,236
Net loans and leases to total assets72.9505%3,371
Net loans and leases to deposits87.4583%3,871
Net loans and leases to core deposits118.3609%2,847
Total domestic deposits to total assets83.4118%3,606
Equity capital to assets7.4795%7,398
Core capital (leverage) ratio8.0207%6,456
Tier 1 risk-based capital ratio11.5574%5,190
Total risk-based capital ratio12.8082%5,080
Memoranda:
Average total assets$364,057,2001,840
Average earning assets$329,236,6001,855
Average equity$26,969,6002,479
Average total loans$270,075,4001,771