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Southside Bank, Performance and Condition Ratios

2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1958%3,820
Cost of funding earning assets1.0903%1,367
Net interest margin3.1056%4,352
Noninterest income to average assets0.6343%2,076
Noninterest expense to average assets1.8060%4,766
Loan and lease loss provision to assets0.0798%2,399
Net operating income to assets1.2926%1,720
Return on assets (ROA)1.3050%1,751
Pretax return on assets1.5487%1,660
Return on Equity (ROE)9.0902%2,712
Retained earnings to average equity (ytd only)3.6447%3,173
Net charge-offs to loans0.2135%960
Credit loss provision to net charge-offs69.6572%2,917
Earnings coverage of net charge-offs (x)14.0945%2,305
Efficiency ratio50.7912%4,687
Assets per employee ($millions)7.9805%719
Cash dividends to net income (ytd only)*59.9046%1,566
Condition Ratios (%)
Loss allowance to loans0.6949%4,586
Loan loss allowance to noncurrent loans499.4361%994
Noncurrent assets plus other real estate owned to assets0.0806%4,232
Noncurrent loans to loans0.1391%3,971
Net loans and leases to total assets52.5510%4,180
Net loans and leases to deposits75.1928%3,245
Net loans and leases to core deposits91.0598%2,318
Total domestic deposits to total assets69.8884%4,939
Equity capital to assets14.0829%1,072
Core capital (leverage) ratio11.5721%2,060
Tier 1 risk-based capital ratio17.5796%1,870
Total risk-based capital ratio18.2046%2,012
Memoranda:
Average total assets$6,395,825,800187
Average earning assets$5,736,723,200190
Average equity$918,200,400171
Average total loans$3,430,070,600233
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2528%3,804
Cost of funding earning assets1.1154%1,288
Net interest margin3.1374%4,418
Noninterest income to average assets0.6491%1,990
Noninterest expense to average assets1.8127%4,801
Loan and lease loss provision to assets0.0548%2,819
Net operating income to assets1.3367%1,690
Return on assets (ROA)1.3531%1,699
Pretax return on assets1.6105%1,598
Return on Equity (ROE)9.3778%2,729
Retained earnings to average equity (ytd only)2.0546%4,251
Net charge-offs to loans0.1760%959
Credit loss provision to net charge-offs57.8407%2,726
Earnings coverage of net charge-offs (x)17.3705%2,093
Efficiency ratio50.3434%4,719
Assets per employee ($millions)7.7642%756
Cash dividends to net income (ytd only)*78.0908%709
Condition Ratios (%)
Loss allowance to loans0.7178%4,613
Loan loss allowance to noncurrent loans146.5248%2,649
Noncurrent assets plus other real estate owned to assets0.2763%3,447
Noncurrent loans to loans0.4899%2,827
Net loans and leases to total assets53.1673%4,242
Net loans and leases to deposits77.0173%3,201
Net loans and leases to core deposits91.0348%2,458
Total domestic deposits to total assets69.0329%5,026
Equity capital to assets14.4102%1,004
Core capital (leverage) ratio11.6937%2,081
Tier 1 risk-based capital ratio17.4414%1,963
Total risk-based capital ratio18.0898%2,082
Memoranda:
Average total assets$6,308,902,250190
Average earning assets$5,649,163,250192
Average equity$910,330,500173
Average total loans$3,395,441,500237
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2962%3,641
Cost of funding earning assets1.1198%1,224
Net interest margin3.1764%4,411
Noninterest income to average assets0.6330%2,011
Noninterest expense to average assets1.8440%4,823
Loan and lease loss provision to assets0.0510%2,793
Net operating income to assets1.3266%1,670
Return on assets (ROA)1.3491%1,646
Pretax return on assets1.6036%1,538
Return on Equity (ROE)9.3455%2,706
Retained earnings to average equity (ytd only)3.7884%3,358
Net charge-offs to loans0.2322%727
Credit loss provision to net charge-offs40.6971%2,529
Earnings coverage of net charge-offs (x)13.0005%2,127
Efficiency ratio50.9811%4,729
Assets per employee ($millions)7.4561%833
Cash dividends to net income (ytd only)*59.4629%1,428
Condition Ratios (%)
Loss allowance to loans0.7136%4,680
Loan loss allowance to noncurrent loans150.8610%2,633
Noncurrent assets plus other real estate owned to assets0.2740%3,462
Noncurrent loans to loans0.4730%2,861
Net loans and leases to total assets53.9810%4,209
Net loans and leases to deposits76.5735%3,280
Net loans and leases to core deposits89.9698%2,606
Total domestic deposits to total assets70.4956%5,029
Equity capital to assets14.6494%909
Core capital (leverage) ratio11.9641%1,847
Tier 1 risk-based capital ratio17.6407%1,898
Total risk-based capital ratio18.2924%2,019
Memoranda:
Average total assets$6,232,718,670193
Average earning assets$5,570,337,330195
Average equity$899,753,330174
Average total loans$3,360,283,000239
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3004%3,553
Cost of funding earning assets1.1496%1,046
Net interest margin3.1508%4,498
Noninterest income to average assets0.5964%2,062
Noninterest expense to average assets1.8649%4,842
Loan and lease loss provision to assets-0.0596%5,267
Net operating income to assets1.3551%1,513
Return on assets (ROA)1.3734%1,482
Pretax return on assets1.6174%1,422
Return on Equity (ROE)9.5866%2,557
Retained earnings to average equity (ytd only)-1.7354%4,724
Net charge-offs to loans0.2352%612
Credit loss provision to net charge-offs-47.1737%3,485
Earnings coverage of net charge-offs (x)12.1686%1,884
Efficiency ratio52.5818%4,652
Assets per employee ($millions)7.4140%846
Cash dividends to net income (ytd only)*118.1028%478
Condition Ratios (%)
Loss allowance to loans0.7308%4,715
Loan loss allowance to noncurrent loans94.2892%3,464
Noncurrent assets plus other real estate owned to assets0.4281%2,872
Noncurrent loans to loans0.7750%2,098
Net loans and leases to total assets52.8150%4,286
Net loans and leases to deposits71.5188%3,644
Net loans and leases to core deposits84.2440%3,003
Total domestic deposits to total assets73.8477%4,945
Equity capital to assets14.3354%930
Core capital (leverage) ratio11.4369%2,180
Tier 1 risk-based capital ratio17.8340%1,838
Total risk-based capital ratio18.4996%1,971
Memoranda:
Average total assets$6,165,319,500195
Average earning assets$5,488,367,000194
Average equity$883,230,000176
Average total loans$3,309,447,000242
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0766%3,814
Cost of funding earning assets0.8690%1,228
Net interest margin3.2076%4,472
Noninterest income to average assets0.6626%2,002
Noninterest expense to average assets1.8391%4,961
Loan and lease loss provision to assets0.1347%1,608
Net operating income to assets1.3600%1,572
Return on assets (ROA)1.3328%1,665
Pretax return on assets1.5348%1,668
Return on Equity (ROE)9.4593%2,764
Retained earnings to average equity (ytd only)-0.7362%5,067
Net charge-offs to loans0.0667%2,160
Credit loss provision to net charge-offs383.6744%852
Earnings coverage of net charge-offs (x)48.4520%1,155
Efficiency ratio49.6048%4,965
Assets per employee ($millions)7.3091%868
Cash dividends to net income (ytd only)*107.7831%195
Condition Ratios (%)
Loss allowance to loans0.8154%4,479
Loan loss allowance to noncurrent loans75.5354%3,824
Noncurrent assets plus other real estate owned to assets0.6044%2,226
Noncurrent loans to loans1.0796%1,511
Net loans and leases to total assets53.7188%4,300
Net loans and leases to deposits74.0764%3,493
Net loans and leases to core deposits85.5471%2,946
Total domestic deposits to total assets72.5182%5,042
Equity capital to assets14.3160%887
Core capital (leverage) ratio12.1426%1,646
Tier 1 risk-based capital ratio18.5878%1,599
Total risk-based capital ratio19.3394%1,691
Memoranda:
Average total assets$6,264,935,000190
Average earning assets$5,619,577,400187
Average equity$882,740,000176
Average total loans$3,294,462,800233
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0338%3,834
Cost of funding earning assets0.8335%1,182
Net interest margin3.2003%4,512
Noninterest income to average assets0.6751%1,958
Noninterest expense to average assets1.8273%5,005
Loan and lease loss provision to assets0.1268%1,585
Net operating income to assets1.3864%1,538
Return on assets (ROA)1.3481%1,682
Pretax return on assets1.5490%1,733
Return on Equity (ROE)9.6053%2,795
Retained earnings to average equity (ytd only)2.8218%4,305
Net charge-offs to loans0.0276%2,556
Credit loss provision to net charge-offs881.0294%453
Earnings coverage of net charge-offs (x)119.5270%659
Efficiency ratio49.1401%4,989
Assets per employee ($millions)7.2871%843
Cash dividends to net income (ytd only)*70.6226%833
Condition Ratios (%)
Loss allowance to loans0.7966%4,634
Loan loss allowance to noncurrent loans80.2189%3,818
Noncurrent assets plus other real estate owned to assets0.5564%2,525
Noncurrent loans to loans0.9930%1,714
Net loans and leases to total assets53.2749%4,404
Net loans and leases to deposits70.9944%3,848
Net loans and leases to core deposits83.8786%3,165
Total domestic deposits to total assets75.0409%4,877
Equity capital to assets14.4538%837
Core capital (leverage) ratio12.2808%1,629
Tier 1 risk-based capital ratio19.3547%1,461
Total risk-based capital ratio20.0880%1,551
Memoranda:
Average total assets$6,301,732,500188
Average earning assets$5,655,001,000188
Average equity$884,471,500172
Average total loans$3,289,728,500233
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9813%3,834
Cost of funding earning assets0.7936%1,150
Net interest margin3.1877%4,537
Noninterest income to average assets0.6751%1,976
Noninterest expense to average assets1.8394%5,048
Loan and lease loss provision to assets0.1575%1,192
Net operating income to assets1.3272%1,671
Return on assets (ROA)1.2923%1,798
Pretax return on assets1.5026%1,807
Return on Equity (ROE)9.2958%2,899
Retained earnings to average equity (ytd only)3.6488%3,770
Net charge-offs to loans0.0440%1,985
Credit loss provision to net charge-offs691.8621%562
Earnings coverage of net charge-offs (x)74.7062%863
Efficiency ratio49.5578%5,046
Assets per employee ($millions)7.4270%784
Cash dividends to net income (ytd only)*60.7474%1,283
Condition Ratios (%)
Loss allowance to loans0.7655%4,799
Loan loss allowance to noncurrent loans70.9090%3,983
Noncurrent assets plus other real estate owned to assets0.5843%2,479
Noncurrent loans to loans1.0795%1,632
Net loans and leases to total assets52.0387%4,478
Net loans and leases to deposits71.9560%3,716
Net loans and leases to core deposits84.0301%3,080
Total domestic deposits to total assets72.3202%5,157
Equity capital to assets14.2493%869
Core capital (leverage) ratio12.1222%1,635
Tier 1 risk-based capital ratio19.1733%1,507
Total risk-based capital ratio19.8809%1,605
Memoranda:
Average total assets$6,369,215,330185
Average earning assets$5,724,424,000187
Average equity$885,436,670171
Average total loans$3,294,478,670231
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9564%3,773
Cost of funding earning assets0.7677%1,108
Net interest margin3.1888%4,503
Noninterest income to average assets0.6417%2,069
Noninterest expense to average assets1.8952%5,026
Loan and lease loss provision to assets0.2323%667
Net operating income to assets1.2048%1,982
Return on assets (ROA)1.1551%2,208
Pretax return on assets1.3234%2,275
Return on Equity (ROE)8.4109%3,186
Retained earnings to average equity (ytd only)-2.9123%5,076
Net charge-offs to loans0.0358%1,806
Credit loss provision to net charge-offs1,261.8243%282
Earnings coverage of net charge-offs (x)87.6014%665
Efficiency ratio51.5807%4,992
Assets per employee ($millions)7.3887%812
Cash dividends to net income (ytd only)*134.6257%368
Condition Ratios (%)
Loss allowance to loans0.7314%4,961
Loan loss allowance to noncurrent loans70.1033%4,019
Noncurrent assets plus other real estate owned to assets0.5741%2,605
Noncurrent loans to loans1.0433%1,755
Net loans and leases to total assets51.6154%4,462
Net loans and leases to deposits70.5209%3,741
Net loans and leases to core deposits83.2663%3,032
Total domestic deposits to total assets73.1916%5,211
Equity capital to assets13.6956%979
Core capital (leverage) ratio11.2919%2,176
Tier 1 risk-based capital ratio18.0484%1,825
Total risk-based capital ratio18.7188%1,939
Memoranda:
Average total assets$6,430,784,500184
Average earning assets$5,780,655,000183
Average equity$883,144,500171
Average total loans$3,303,993,500229
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5903%4,592
Cost of funding earning assets0.6869%1,096
Net interest margin2.9034%5,038
Noninterest income to average assets0.6366%2,265
Noninterest expense to average assets1.7471%5,284
Loan and lease loss provision to assets0.0813%2,578
Net operating income to assets1.0934%1,878
Return on assets (ROA)1.1017%1,874
Pretax return on assets1.4542%1,802
Return on Equity (ROE)8.9876%2,324
Retained earnings to average equity (ytd only)5.1578%2,027
Net charge-offs to loans0.0659%2,532
Credit loss provision to net charge-offs259.0028%1,074
Earnings coverage of net charge-offs (x)48.5806%1,108
Efficiency ratio52.4141%5,079
Assets per employee ($millions)7.4370%792
Cash dividends to net income (ytd only)*42.6116%2,724
Condition Ratios (%)
Loss allowance to loans0.6304%5,189
Loan loss allowance to noncurrent loans707.3179%839
Noncurrent assets plus other real estate owned to assets0.0701%4,771
Noncurrent loans to loans0.0891%4,600
Net loans and leases to total assets50.4515%4,622
Net loans and leases to deposits72.4053%3,661
Net loans and leases to core deposits83.4156%3,114
Total domestic deposits to total assets69.6793%5,417
Equity capital to assets13.7698%968
Core capital (leverage) ratio12.6574%1,282
Tier 1 risk-based capital ratio18.2718%1,720
Total risk-based capital ratio18.8563%1,867
Memoranda:
Average total assets$5,751,424,200192
Average earning assets$5,219,983,800188
Average equity$705,005,800182
Average total loans$2,740,586,600260
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6156%4,522
Cost of funding earning assets0.6851%1,040
Net interest margin2.9304%5,049
Noninterest income to average assets0.6551%2,182
Noninterest expense to average assets1.7501%5,324
Loan and lease loss provision to assets0.0815%2,463
Net operating income to assets1.1775%1,785
Return on assets (ROA)1.1940%1,753
Pretax return on assets1.5105%1,739
Return on Equity (ROE)10.1042%2,085
Retained earnings to average equity (ytd only)10.1042%561
Net charge-offs to loans0.0740%2,076
Credit loss provision to net charge-offs235.7341%1,181
Earnings coverage of net charge-offs (x)45.4223%1,191
Efficiency ratio51.8626%5,108
Assets per employee ($millions)8.3915%543
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.7401%5,049
Loan loss allowance to noncurrent loans642.0355%848
Noncurrent assets plus other real estate owned to assets0.0619%4,925
Noncurrent loans to loans0.1153%4,597
Net loans and leases to total assets48.6359%4,790
Net loans and leases to deposits74.4485%3,523
Net loans and leases to core deposits88.3533%2,735
Total domestic deposits to total assets65.3283%5,605
Equity capital to assets12.5655%1,626
Core capital (leverage) ratio11.2928%2,188
Tier 1 risk-based capital ratio18.9554%1,593
Total risk-based capital ratio19.6177%1,717
Memoranda:
Average total assets$5,566,150,500195
Average earning assets$5,064,140,250192
Average equity$657,754,750190
Average total loans$2,601,644,000270
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5721%4,586
Cost of funding earning assets0.6463%1,163
Net interest margin2.9257%5,046
Noninterest income to average assets0.6672%2,139
Noninterest expense to average assets1.7556%5,363
Loan and lease loss provision to assets0.0874%2,232
Net operating income to assets1.1846%1,648
Return on assets (ROA)1.1917%1,658
Pretax return on assets1.4936%1,668
Return on Equity (ROE)10.2976%1,911
Retained earnings to average equity (ytd only)10.2976%537
Net charge-offs to loans0.0866%1,746
Credit loss provision to net charge-offs219.3896%1,185
Earnings coverage of net charge-offs (x)39.4785%1,261
Efficiency ratio51.9078%5,183
Assets per employee ($millions)8.3191%544
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.7363%5,120
Loan loss allowance to noncurrent loans634.1793%847
Noncurrent assets plus other real estate owned to assets0.0586%4,969
Noncurrent loans to loans0.1161%4,655
Net loans and leases to total assets46.5390%4,916
Net loans and leases to deposits71.0694%3,823
Net loans and leases to core deposits84.1191%3,053
Total domestic deposits to total assets65.4838%5,642
Equity capital to assets12.0428%1,899
Core capital (leverage) ratio10.9785%2,435
Tier 1 risk-based capital ratio18.8131%1,635
Total risk-based capital ratio19.4619%1,758
Memoranda:
Average total assets$5,594,988,330195
Average earning assets$5,087,669,000192
Average equity$647,492,330192
Average total loans$2,573,877,670272
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5313%4,604
Cost of funding earning assets0.6097%1,303
Net interest margin2.9216%5,046
Noninterest income to average assets0.6673%2,106
Noninterest expense to average assets1.7842%5,401
Loan and lease loss provision to assets0.0784%2,245
Net operating income to assets1.1762%1,569
Return on assets (ROA)1.1948%1,555
Pretax return on assets1.4769%1,614
Return on Equity (ROE)10.5372%1,723
Retained earnings to average equity (ytd only)10.5372%691
Net charge-offs to loans0.0821%1,526
Credit loss provision to net charge-offs209.5420%990
Earnings coverage of net charge-offs (x)40.9790%1,024
Efficiency ratio52.9251%5,214
Assets per employee ($millions)8.5121%504
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.7265%5,249
Loan loss allowance to noncurrent loans254.5442%1,863
Noncurrent assets plus other real estate owned to assets0.1350%4,725
Noncurrent loans to loans0.2854%4,096
Net loans and leases to total assets44.6870%5,002
Net loans and leases to deposits67.5598%4,032
Net loans and leases to core deposits79.6518%3,326
Total domestic deposits to total assets66.1443%5,708
Equity capital to assets11.4328%2,234
Core capital (leverage) ratio10.5758%2,816
Tier 1 risk-based capital ratio18.1620%1,816
Total risk-based capital ratio18.7825%1,976
Memoranda:
Average total assets$5,605,579,000195
Average earning assets$5,082,933,000191
Average equity$635,616,000191
Average total loans$2,554,199,500275
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5281%4,710
Cost of funding earning assets0.5435%1,763
Net interest margin2.9846%4,994
Noninterest income to average assets0.6852%2,240
Noninterest expense to average assets2.0070%5,172
Loan and lease loss provision to assets0.1865%1,263
Net operating income to assets0.9833%2,424
Return on assets (ROA)1.0271%2,335
Pretax return on assets1.2703%2,397
Return on Equity (ROE)9.8245%2,036
Retained earnings to average equity (ytd only)4.3515%2,803
Net charge-offs to loans0.4707%529
Credit loss provision to net charge-offs84.2740%2,905
Earnings coverage of net charge-offs (x)6.3376%3,190
Efficiency ratio57.8313%4,873
Assets per employee ($millions)8.1751%561
Cash dividends to net income (ytd only)*55.7072%1,995
Condition Ratios (%)
Loss allowance to loans0.6985%5,363
Loan loss allowance to noncurrent loans216.1598%2,130
Noncurrent assets plus other real estate owned to assets0.1552%4,701
Noncurrent loans to loans0.3231%3,988
Net loans and leases to total assets45.8036%5,028
Net loans and leases to deposits71.1866%3,792
Net loans and leases to core deposits82.5463%3,167
Total domestic deposits to total assets64.3430%5,784
Equity capital to assets11.2437%2,373
Core capital (leverage) ratio10.3982%2,993
Tier 1 risk-based capital ratio17.9838%1,851
Total risk-based capital ratio18.5984%2,005
Memoranda:
Average total assets$5,243,226,400200
Average earning assets$4,786,207,800197
Average equity$548,151,200201
Average total loans$2,465,418,000267
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5408%4,706
Cost of funding earning assets0.5336%1,848
Net interest margin3.0071%5,000
Noninterest income to average assets0.6854%2,237
Noninterest expense to average assets2.0673%5,068
Loan and lease loss provision to assets0.1992%1,065
Net operating income to assets0.9342%2,729
Return on assets (ROA)1.0480%2,338
Pretax return on assets1.3063%2,403
Return on Equity (ROE)10.2328%1,955
Retained earnings to average equity (ytd only)2.6705%4,307
Net charge-offs to loans0.6259%330
Credit loss provision to net charge-offs67.3329%2,834
Earnings coverage of net charge-offs (x)4.6081%3,247
Efficiency ratio59.1994%4,662
Assets per employee ($millions)7.8998%611
Cash dividends to net income (ytd only)*73.9025%917
Condition Ratios (%)
Loss allowance to loans0.6426%5,543
Loan loss allowance to noncurrent loans187.3375%2,349
Noncurrent assets plus other real estate owned to assets0.1607%4,790
Noncurrent loans to loans0.3430%4,024
Net loans and leases to total assets45.3022%5,129
Net loans and leases to deposits68.5598%4,102
Net loans and leases to core deposits79.8616%3,458
Total domestic deposits to total assets66.0769%5,817
Equity capital to assets10.9434%3,070
Core capital (leverage) ratio9.9086%3,685
Tier 1 risk-based capital ratio16.2993%2,499
Total risk-based capital ratio16.8627%2,717
Memoranda:
Average total assets$5,164,258,500202
Average earning assets$4,714,348,500198
Average equity$528,927,500209
Average total loans$2,440,728,000268
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6444%4,463
Cost of funding earning assets0.5325%1,850
Net interest margin3.1119%4,797
Noninterest income to average assets0.6968%2,156
Noninterest expense to average assets2.1092%5,038
Loan and lease loss provision to assets0.2402%821
Net operating income to assets0.9460%2,640
Return on assets (ROA)1.0461%2,324
Pretax return on assets1.3067%2,381
Return on Equity (ROE)10.4712%1,860
Retained earnings to average equity (ytd only)0.5920%5,129
Net charge-offs to loans0.9001%212
Credit loss provision to net charge-offs55.7551%2,622
Earnings coverage of net charge-offs (x)3.3003%3,132
Efficiency ratio58.6577%4,817
Assets per employee ($millions)7.0521%854
Cash dividends to net income (ytd only)*94.3467%600
Condition Ratios (%)
Loss allowance to loans0.6237%5,648
Loan loss allowance to noncurrent loans126.6287%3,212
Noncurrent assets plus other real estate owned to assets0.2389%4,542
Noncurrent loans to loans0.4926%3,601
Net loans and leases to total assets47.2398%5,052
Net loans and leases to deposits66.4508%4,312
Net loans and leases to core deposits77.4493%3,693
Total domestic deposits to total assets71.0899%5,725
Equity capital to assets10.3444%3,805
Core capital (leverage) ratio8.4360%5,414
Tier 1 risk-based capital ratio14.1945%3,497
Total risk-based capital ratio14.7424%3,824
Memoranda:
Average total assets$5,066,084,000202
Average earning assets$4,613,934,000201
Average equity$506,111,330219
Average total loans$2,424,656,670268
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7202%4,249
Cost of funding earning assets0.5183%1,957
Net interest margin3.2019%4,572
Noninterest income to average assets0.7083%2,004
Noninterest expense to average assets2.2365%4,815
Loan and lease loss provision to assets0.1822%1,103
Net operating income to assets0.9699%2,413
Return on assets (ROA)1.1254%1,914
Pretax return on assets1.3928%1,928
Return on Equity (ROE)11.4662%1,465
Retained earnings to average equity (ytd only)-4.5626%5,585
Net charge-offs to loans0.0414%2,174
Credit loss provision to net charge-offs915.4150%396
Earnings coverage of net charge-offs (x)69.4901%703
Efficiency ratio60.7176%4,644
Assets per employee ($millions)7.0628%869
Cash dividends to net income (ytd only)*139.7917%433
Condition Ratios (%)
Loss allowance to loans0.8904%5,091
Loan loss allowance to noncurrent loans99.3845%3,645
Noncurrent assets plus other real estate owned to assets0.4427%3,817
Noncurrent loans to loans0.8959%2,604
Net loans and leases to total assets48.3871%4,940
Net loans and leases to deposits66.9626%4,160
Net loans and leases to core deposits77.1405%3,577
Total domestic deposits to total assets72.2599%5,755
Equity capital to assets10.0521%4,010
Core capital (leverage) ratio8.2674%5,595
Tier 1 risk-based capital ratio14.0392%3,666
Total risk-based capital ratio14.8284%3,866
Memoranda:
Average total assets$5,085,043,500202
Average earning assets$4,623,398,000199
Average equity$499,100,500220
Average total loans$2,441,883,000266
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5025%4,911
Cost of funding earning assets0.4171%2,974
Net interest margin3.0854%4,939
Noninterest income to average assets0.6821%2,283
Noninterest expense to average assets2.2324%4,971
Loan and lease loss provision to assets0.1713%1,337
Net operating income to assets0.9015%2,860
Return on assets (ROA)0.9646%2,627
Pretax return on assets1.1471%2,855
Return on Equity (ROE)9.7660%2,096
Retained earnings to average equity (ytd only)6.1082%1,742
Net charge-offs to loans0.0846%2,626
Credit loss provision to net charge-offs439.3365%700
Earnings coverage of net charge-offs (x)31.8920%1,395
Efficiency ratio62.9336%4,453
Assets per employee ($millions)7.3861%750
Cash dividends to net income (ytd only)*37.4548%2,982
Condition Ratios (%)
Loss allowance to loans0.8103%5,383
Loan loss allowance to noncurrent loans96.1184%3,767
Noncurrent assets plus other real estate owned to assets0.4127%3,950
Noncurrent loans to loans0.8430%2,678
Net loans and leases to total assets46.8590%5,105
Net loans and leases to deposits69.8784%3,934
Net loans and leases to core deposits80.1489%3,330
Total domestic deposits to total assets67.0580%5,992
Equity capital to assets9.5845%4,457
Core capital (leverage) ratio8.4885%5,448
Tier 1 risk-based capital ratio14.3141%3,541
Total risk-based capital ratio15.0220%3,770
Memoranda:
Average total assets$4,871,462,400195
Average earning assets$4,410,791,600195
Average equity$481,159,800218
Average total loans$2,245,925,800261
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5173%4,941
Cost of funding earning assets0.4148%3,069
Net interest margin3.1026%4,962
Noninterest income to average assets0.6953%2,245
Noninterest expense to average assets2.2720%4,852
Loan and lease loss provision to assets0.1775%1,183
Net operating income to assets0.8750%3,064
Return on assets (ROA)0.9547%2,781
Pretax return on assets1.1478%3,025
Return on Equity (ROE)9.5891%2,274
Retained earnings to average equity (ytd only)6.0740%2,200
Net charge-offs to loans0.0777%2,442
Credit loss provision to net charge-offs498.5959%658
Earnings coverage of net charge-offs (x)34.5258%1,370
Efficiency ratio63.5560%4,326
Assets per employee ($millions)6.8832%917
Cash dividends to net income (ytd only)*36.6577%2,484
Condition Ratios (%)
Loss allowance to loans0.8200%5,470
Loan loss allowance to noncurrent loans87.6661%3,971
Noncurrent assets plus other real estate owned to assets0.4508%3,987
Noncurrent loans to loans0.9354%2,637
Net loans and leases to total assets46.0602%5,224
Net loans and leases to deposits66.7772%4,299
Net loans and leases to core deposits75.2994%3,875
Total domestic deposits to total assets68.9760%6,009
Equity capital to assets10.2205%3,906
Core capital (leverage) ratio8.6165%5,445
Tier 1 risk-based capital ratio15.4861%3,057
Total risk-based capital ratio16.2141%3,253
Memoranda:
Average total assets$4,800,447,500201
Average earning assets$4,341,663,750202
Average equity$477,917,250222
Average total loans$2,198,516,250269
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5301%4,909
Cost of funding earning assets0.4137%3,112
Net interest margin3.1163%4,928
Noninterest income to average assets0.6940%2,239
Noninterest expense to average assets2.3367%4,755
Loan and lease loss provision to assets0.1719%1,213
Net operating income to assets0.8253%3,242
Return on assets (ROA)0.9148%2,933
Pretax return on assets1.1070%3,140
Return on Equity (ROE)9.2712%2,395
Retained earnings to average equity (ytd only)6.0550%2,214
Net charge-offs to loans0.0537%2,648
Credit loss provision to net charge-offs702.3891%482
Earnings coverage of net charge-offs (x)47.8635%986
Efficiency ratio65.2565%4,141
Assets per employee ($millions)6.6599%982
Cash dividends to net income (ytd only)*34.6905%2,634
Condition Ratios (%)
Loss allowance to loans0.7691%5,670
Loan loss allowance to noncurrent loans79.1512%4,234
Noncurrent assets plus other real estate owned to assets0.4546%4,113
Noncurrent loans to loans0.9717%2,706
Net loans and leases to total assets44.7664%5,328
Net loans and leases to deposits62.4475%4,667
Net loans and leases to core deposits70.0439%4,323
Total domestic deposits to total assets71.6864%5,952
Equity capital to assets9.8421%4,232
Core capital (leverage) ratio8.5712%5,471
Tier 1 risk-based capital ratio15.7337%2,985
Total risk-based capital ratio16.4253%3,195
Memoranda:
Average total assets$4,789,931,670203
Average earning assets$4,324,845,330205
Average equity$472,604,330223
Average total loans$2,183,345,330271
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6038%4,680
Cost of funding earning assets0.4166%3,117
Net interest margin3.1872%4,656
Noninterest income to average assets0.6857%2,224
Noninterest expense to average assets2.4005%4,590
Loan and lease loss provision to assets0.3233%425
Net operating income to assets0.6759%3,919
Return on assets (ROA)0.8465%3,146
Pretax return on assets1.0379%3,354
Return on Equity (ROE)8.5688%2,662
Retained earnings to average equity (ytd only)2.1050%4,624
Net charge-offs to loans0.0392%2,437
Credit loss provision to net charge-offs1,798.1308%220
Earnings coverage of net charge-offs (x)64.1355%695
Efficiency ratio66.1828%4,128
Assets per employee ($millions)5.8744%1,490
Cash dividends to net income (ytd only)*75.4342%1,060
Condition Ratios (%)
Loss allowance to loans0.7769%5,743
Loan loss allowance to noncurrent loans83.2849%4,098
Noncurrent assets plus other real estate owned to assets0.4512%4,232
Noncurrent loans to loans0.9328%2,911
Net loans and leases to total assets45.7716%5,214
Net loans and leases to deposits61.6758%4,602
Net loans and leases to core deposits68.9898%4,241
Total domestic deposits to total assets74.2133%5,885
Equity capital to assets10.0411%4,104
Core capital (leverage) ratio8.3677%5,668
Tier 1 risk-based capital ratio15.9073%2,963
Total risk-based capital ratio16.6211%3,145
Memoranda:
Average total assets$4,760,676,000202
Average earning assets$4,283,869,500203
Average equity$470,312,500222
Average total loans$2,181,371,000270
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6374%4,974
Cost of funding earning assets0.4569%3,105
Net interest margin3.1805%4,985
Noninterest income to average assets0.5655%3,086
Noninterest expense to average assets2.1115%5,546
Loan and lease loss provision to assets0.4027%437
Net operating income to assets0.8863%2,941
Return on assets (ROA)0.9565%2,676
Pretax return on assets1.0440%3,329
Return on Equity (ROE)9.7696%2,208
Retained earnings to average equity (ytd only)-38.9641%6,473
Net charge-offs to loans1.3201%197
Credit loss provision to net charge-offs72.7866%3,004
Earnings coverage of net charge-offs (x)2.4772%4,142
Efficiency ratio60.4842%5,149
Assets per employee ($millions)5.7191%1,593
Cash dividends to net income (ytd only)*498.8304%19
Condition Ratios (%)
Loss allowance to loans0.6082%6,131
Loan loss allowance to noncurrent loans103.4155%3,624
Noncurrent assets plus other real estate owned to assets0.2996%4,838
Noncurrent loans to loans0.5881%3,900
Net loans and leases to total assets45.0527%5,400
Net loans and leases to deposits64.1462%4,511
Net loans and leases to core deposits71.3899%4,178
Total domestic deposits to total assets70.2343%6,185
Equity capital to assets10.3452%3,669
Core capital (leverage) ratio11.2070%2,214
Tier 1 risk-based capital ratio15.7483%3,103
Total risk-based capital ratio16.3165%3,399
Memoranda:
Average total assets$3,709,752,400230
Average earning assets$3,401,730,800224
Average equity$363,198,200258
Average total loans$1,554,707,800322
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9453%3,990
Cost of funding earning assets0.4875%2,887
Net interest margin3.4577%3,989
Noninterest income to average assets0.6058%2,835
Noninterest expense to average assets2.2305%5,282
Loan and lease loss provision to assets0.4526%345
Net operating income to assets1.0112%2,402
Return on assets (ROA)1.0692%2,225
Pretax return on assets1.1923%2,807
Return on Equity (ROE)11.1431%1,735
Retained earnings to average equity (ytd only)5.8797%2,480
Net charge-offs to loans1.6332%136
Credit loss provision to net charge-offs68.0827%2,804
Earnings coverage of net charge-offs (x)2.3771%3,929
Efficiency ratio58.4486%5,384
Assets per employee ($millions)5.4318%1,787
Cash dividends to net income (ytd only)*47.2349%1,986
Condition Ratios (%)
Loss allowance to loans0.9100%5,572
Loan loss allowance to noncurrent loans199.2425%2,166
Noncurrent assets plus other real estate owned to assets0.2116%5,374
Noncurrent loans to loans0.4568%4,534
Net loans and leases to total assets43.4439%5,566
Net loans and leases to deposits59.7214%4,971
Net loans and leases to core deposits67.9991%4,509
Total domestic deposits to total assets72.7443%6,110
Equity capital to assets10.2095%3,921
Core capital (leverage) ratio10.0405%3,618
Tier 1 risk-based capital ratio20.6371%1,520
Total risk-based capital ratio21.4991%1,570
Memoranda:
Average total assets$3,431,894,000239
Average earning assets$3,181,225,000233
Average equity$329,307,750268
Average total loans$1,397,043,500346
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0177%3,661
Cost of funding earning assets0.4918%2,912
Net interest margin3.5259%3,675
Noninterest income to average assets0.6799%2,379
Noninterest expense to average assets2.2283%5,348
Loan and lease loss provision to assets0.3926%424
Net operating income to assets1.1585%1,724
Return on assets (ROA)1.1842%1,715
Pretax return on assets1.3551%2,062
Return on Equity (ROE)12.6023%1,282
Retained earnings to average equity (ytd only)7.6740%1,447
Net charge-offs to loans1.0576%321
Credit loss provision to net charge-offs93.5328%2,122
Earnings coverage of net charge-offs (x)4.0932%3,176
Efficiency ratio56.3810%5,705
Assets per employee ($millions)5.4843%1,706
Cash dividends to net income (ytd only)*39.1064%2,440
Condition Ratios (%)
Loss allowance to loans1.3224%3,740
Loan loss allowance to noncurrent loans191.2718%2,223
Noncurrent assets plus other real estate owned to assets0.2864%5,224
Noncurrent loans to loans0.6914%3,990
Net loans and leases to total assets39.3194%5,874
Net loans and leases to deposits52.7698%5,442
Net loans and leases to core deposits59.0425%5,199
Total domestic deposits to total assets74.5111%6,062
Equity capital to assets9.6525%4,557
Core capital (leverage) ratio9.5691%4,223
Tier 1 risk-based capital ratio20.6825%1,513
Total risk-based capital ratio21.8691%1,512
Memoranda:
Average total assets$3,455,107,000234
Average earning assets$3,201,038,000230
Average equity$324,654,000268
Average total loans$1,371,354,670346
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0447%3,501
Cost of funding earning assets0.5014%2,895
Net interest margin3.5433%3,508
Noninterest income to average assets0.6682%2,355
Noninterest expense to average assets2.2620%5,297
Loan and lease loss provision to assets0.4812%317
Net operating income to assets1.0349%2,066
Return on assets (ROA)1.0360%2,134
Pretax return on assets1.2132%2,430
Return on Equity (ROE)11.1805%1,628
Retained earnings to average equity (ytd only)7.4114%1,852
Net charge-offs to loans1.2411%269
Credit loss provision to net charge-offs97.8688%1,718
Earnings coverage of net charge-offs (x)3.4438%2,684
Efficiency ratio57.1071%5,743
Assets per employee ($millions)5.3934%1,811
Cash dividends to net income (ytd only)*33.7117%2,192
Condition Ratios (%)
Loss allowance to loans1.3707%3,742
Loan loss allowance to noncurrent loans320.1056%1,407
Noncurrent assets plus other real estate owned to assets0.1850%5,671
Noncurrent loans to loans0.4282%4,857
Net loans and leases to total assets39.4089%5,850
Net loans and leases to deposits53.0421%5,375
Net loans and leases to core deposits60.5418%4,985
Total domestic deposits to total assets74.2973%6,218
Equity capital to assets9.4712%4,535
Core capital (leverage) ratio9.2611%4,631
Tier 1 risk-based capital ratio20.7015%1,535
Total risk-based capital ratio21.9399%1,509
Memoranda:
Average total assets$3,435,897,500235
Average earning assets$3,187,205,500231
Average equity$318,375,500270
Average total loans$1,361,012,000346
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8169%4,753
Cost of funding earning assets0.5273%3,323
Net interest margin3.2896%4,702
Noninterest income to average assets0.7953%2,099
Noninterest expense to average assets2.3504%5,234
Loan and lease loss provision to assets0.2639%1,345
Net operating income to assets1.0841%1,987
Return on assets (ROA)1.3021%1,288
Pretax return on assets1.4937%1,462
Return on Equity (ROE)14.5631%838
Retained earnings to average equity (ytd only)9.5773%655
Net charge-offs to loans0.8125%768
Credit loss provision to net charge-offs83.8670%2,930
Earnings coverage of net charge-offs (x)4.7899%3,453
Efficiency ratio60.8190%5,375
Assets per employee ($millions)5.3029%1,847
Cash dividends to net income (ytd only)*34.2356%3,083
Condition Ratios (%)
Loss allowance to loans1.3968%3,669
Loan loss allowance to noncurrent loans233.3086%1,847
Noncurrent assets plus other real estate owned to assets0.2562%5,492
Noncurrent loans to loans0.5987%4,489
Net loans and leases to total assets38.7192%6,042
Net loans and leases to deposits52.6517%5,576
Net loans and leases to core deposits61.0343%5,141
Total domestic deposits to total assets73.5383%6,315
Equity capital to assets9.0618%4,959
Core capital (leverage) ratio8.9676%5,051
Tier 1 risk-based capital ratio20.2224%1,606
Total risk-based capital ratio21.4627%1,573
Memoranda:
Average total assets$3,364,969,200228
Average earning assets$3,132,323,600221
Average equity$300,855,800277
Average total loans$1,303,000,800344
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7001%5,169
Cost of funding earning assets0.5355%3,413
Net interest margin3.1647%5,100
Noninterest income to average assets0.7426%2,398
Noninterest expense to average assets2.3885%5,057
Loan and lease loss provision to assets0.2452%1,462
Net operating income to assets0.9173%2,748
Return on assets (ROA)1.2313%1,604
Pretax return on assets1.4241%1,854
Return on Equity (ROE)13.8200%1,031
Retained earnings to average equity (ytd only)9.3473%951
Net charge-offs to loans0.7624%783
Credit loss provision to net charge-offs83.3514%2,765
Earnings coverage of net charge-offs (x)4.4334%3,441
Efficiency ratio64.5591%4,713
Assets per employee ($millions)5.3967%1,736
Cash dividends to net income (ytd only)*32.3635%2,592
Condition Ratios (%)
Loss allowance to loans1.4685%3,601
Loan loss allowance to noncurrent loans231.1716%1,755
Noncurrent assets plus other real estate owned to assets0.2967%5,537
Noncurrent loans to loans0.6352%4,602
Net loans and leases to total assets37.4842%6,198
Net loans and leases to deposits53.8387%5,552
Net loans and leases to core deposits63.0014%5,010
Total domestic deposits to total assets69.6232%6,615
Equity capital to assets8.4435%5,796
Core capital (leverage) ratio8.9573%5,183
Tier 1 risk-based capital ratio19.7282%1,807
Total risk-based capital ratio20.9783%1,769
Memoranda:
Average total assets$3,345,819,000227
Average earning assets$3,118,864,000218
Average equity$298,102,500278
Average total loans$1,290,895,000346
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6135%5,393
Cost of funding earning assets0.5652%3,265
Net interest margin3.0483%5,434
Noninterest income to average assets0.7318%2,494
Noninterest expense to average assets2.4348%4,945
Loan and lease loss provision to assets0.1520%2,425
Net operating income to assets0.8281%3,157
Return on assets (ROA)1.2952%1,424
Pretax return on assets1.5529%1,475
Return on Equity (ROE)14.2761%948
Retained earnings to average equity (ytd only)10.9423%652
Net charge-offs to loans0.7377%879
Credit loss provision to net charge-offs53.1514%3,156
Earnings coverage of net charge-offs (x)3.9932%3,243
Efficiency ratio67.9367%4,193
Assets per employee ($millions)5.2659%1,829
Cash dividends to net income (ytd only)*23.3525%2,878
Condition Ratios (%)
Loss allowance to loans1.4195%3,946
Loan loss allowance to noncurrent loans224.5996%1,802
Noncurrent assets plus other real estate owned to assets0.2986%5,571
Noncurrent loans to loans0.6320%4,676
Net loans and leases to total assets37.7373%6,193
Net loans and leases to deposits50.9904%5,774
Net loans and leases to core deposits58.4734%5,379
Total domestic deposits to total assets74.0086%6,445
Equity capital to assets8.5466%5,720
Core capital (leverage) ratio9.1446%4,764
Tier 1 risk-based capital ratio19.7064%1,791
Total risk-based capital ratio20.9146%1,784
Memoranda:
Average total assets$3,306,199,330229
Average earning assets$3,085,830,000219
Average equity$299,956,330276
Average total loans$1,281,838,670344
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4684%5,788
Cost of funding earning assets0.6191%2,931
Net interest margin2.8493%5,917
Noninterest income to average assets0.7283%2,434
Noninterest expense to average assets2.3986%5,128
Loan and lease loss provision to assets0.0602%3,637
Net operating income to assets0.7661%3,352
Return on assets (ROA)1.1926%1,655
Pretax return on assets1.4649%1,670
Return on Equity (ROE)12.7621%1,225
Retained earnings to average equity (ytd only)6.2147%2,558
Net charge-offs to loans0.7949%768
Credit loss provision to net charge-offs19.4083%3,041
Earnings coverage of net charge-offs (x)3.2193%2,815
Efficiency ratio70.4571%3,897
Assets per employee ($millions)5.1510%2,038
Cash dividends to net income (ytd only)*51.3031%1,537
Condition Ratios (%)
Loss allowance to loans1.4432%4,038
Loan loss allowance to noncurrent loans216.3089%1,768
Noncurrent assets plus other real estate owned to assets0.2948%5,685
Noncurrent loans to loans0.6672%4,788
Net loans and leases to total assets38.2903%6,133
Net loans and leases to deposits54.0777%5,432
Net loans and leases to core deposits61.0002%5,057
Total domestic deposits to total assets70.8062%6,720
Equity capital to assets9.2194%5,230
Core capital (leverage) ratio9.1507%4,639
Tier 1 risk-based capital ratio19.9318%1,790
Total risk-based capital ratio21.1859%1,761
Memoranda:
Average total assets$3,268,951,000233
Average earning assets$3,061,974,500223
Average equity$305,467,500276
Average total loans$1,275,681,500347
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8148%5,791
Cost of funding earning assets0.7835%2,797
Net interest margin3.0313%5,972
Noninterest income to average assets0.6706%2,878
Noninterest expense to average assets2.2387%5,838
Loan and lease loss provision to assets0.3282%2,068
Net operating income to assets0.7365%3,573
Return on assets (ROA)1.1715%1,859
Pretax return on assets1.4637%1,805
Return on Equity (ROE)12.2973%1,416
Retained earnings to average equity (ytd only)4.2741%3,218
Net charge-offs to loans0.7356%1,603
Credit loss provision to net charge-offs123.5301%2,303
Earnings coverage of net charge-offs (x)4.6976%3,285
Efficiency ratio64.0293%4,881
Assets per employee ($millions)5.1613%2,030
Cash dividends to net income (ytd only)*65.2435%1,547
Condition Ratios (%)
Loss allowance to loans1.6252%3,201
Loan loss allowance to noncurrent loans199.2933%1,851
Noncurrent assets plus other real estate owned to assets0.3716%5,582
Noncurrent loans to loans0.8155%4,553
Net loans and leases to total assets38.5643%6,261
Net loans and leases to deposits52.8714%5,747
Net loans and leases to core deposits60.5413%5,315
Total domestic deposits to total assets72.9399%6,629
Equity capital to assets9.4726%4,906
Core capital (leverage) ratio8.8745%5,069
Tier 1 risk-based capital ratio20.6052%1,547
Total risk-based capital ratio21.8622%1,512
Memoranda:
Average total assets$3,270,813,400234
Average earning assets$3,038,827,400224
Average equity$311,596,200264
Average total loans$1,181,511,000371
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9227%5,726
Cost of funding earning assets0.8142%2,829
Net interest margin3.1085%5,923
Noninterest income to average assets0.6387%3,055
Noninterest expense to average assets2.2184%5,909
Loan and lease loss provision to assets0.3451%1,899
Net operating income to assets0.7585%3,659
Return on assets (ROA)1.1884%1,960
Pretax return on assets1.5032%1,869
Return on Equity (ROE)12.4575%1,481
Retained earnings to average equity (ytd only)8.1975%1,534
Net charge-offs to loans0.7105%1,556
Credit loss provision to net charge-offs137.3282%2,099
Earnings coverage of net charge-offs (x)5.1900%3,081
Efficiency ratio62.8002%5,010
Assets per employee ($millions)5.1360%2,005
Cash dividends to net income (ytd only)*34.1962%2,425
Condition Ratios (%)
Loss allowance to loans1.7050%3,132
Loan loss allowance to noncurrent loans175.3701%1,980
Noncurrent assets plus other real estate owned to assets0.4136%5,655
Noncurrent loans to loans0.9722%4,494
Net loans and leases to total assets37.3825%6,455
Net loans and leases to deposits52.0306%5,975
Net loans and leases to core deposits60.9105%5,461
Total domestic deposits to total assets71.8473%6,750
Equity capital to assets10.0564%4,411
Core capital (leverage) ratio8.7540%5,395
Tier 1 risk-based capital ratio21.1783%1,483
Total risk-based capital ratio22.4358%1,449
Memoranda:
Average total assets$3,280,779,500234
Average earning assets$3,043,678,000225
Average equity$312,981,750265
Average total loans$1,160,244,250377
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9996%5,637
Cost of funding earning assets0.8484%2,807
Net interest margin3.1512%5,864
Noninterest income to average assets0.5853%3,351
Noninterest expense to average assets2.1925%6,030
Loan and lease loss provision to assets0.3165%2,086
Net operating income to assets0.7670%3,525
Return on assets (ROA)1.1962%1,929
Pretax return on assets1.5423%1,735
Return on Equity (ROE)12.7638%1,423
Retained earnings to average equity (ytd only)12.7638%466
Net charge-offs to loans0.6270%1,755
Credit loss provision to net charge-offs146.3046%1,894
Earnings coverage of net charge-offs (x)6.0487%2,709
Efficiency ratio62.4431%5,174
Assets per employee ($millions)5.4950%1,626
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.7046%3,207
Loan loss allowance to noncurrent loans200.3771%1,712
Noncurrent assets plus other real estate owned to assets0.3434%5,905
Noncurrent loans to loans0.8507%4,819
Net loans and leases to total assets34.2897%6,716
Net loans and leases to deposits48.5593%6,277
Net loans and leases to core deposits57.3351%5,827
Total domestic deposits to total assets70.6140%6,877
Equity capital to assets9.3079%5,306
Core capital (leverage) ratio8.7504%5,295
Tier 1 risk-based capital ratio21.0175%1,481
Total risk-based capital ratio22.2741%1,452
Memoranda:
Average total assets$3,302,655,670234
Average earning assets$3,055,703,330224
Average equity$309,532,670265
Average total loans$1,139,408,000384
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2330%4,984
Cost of funding earning assets0.9203%2,517
Net interest margin3.3127%5,428
Noninterest income to average assets0.6043%3,206
Noninterest expense to average assets2.1866%6,076
Loan and lease loss provision to assets0.3749%1,682
Net operating income to assets0.8258%3,272
Return on assets (ROA)1.3630%1,450
Pretax return on assets1.8059%1,056
Return on Equity (ROE)14.4912%1,080
Retained earnings to average equity (ytd only)14.4912%509
Net charge-offs to loans0.5437%1,728
Credit loss provision to net charge-offs201.0540%1,329
Earnings coverage of net charge-offs (x)7.8531%2,029
Efficiency ratio59.7039%5,663
Assets per employee ($millions)5.1570%2,054
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.7566%3,138
Loan loss allowance to noncurrent loans180.9936%1,820
Noncurrent assets plus other real estate owned to assets0.3824%5,923
Noncurrent loans to loans0.9705%4,740
Net loans and leases to total assets34.9454%6,695
Net loans and leases to deposits48.4551%6,265
Net loans and leases to core deposits58.4608%5,674
Total domestic deposits to total assets72.1190%6,871
Equity capital to assets9.6036%4,646
Core capital (leverage) ratio8.8462%5,072
Tier 1 risk-based capital ratio19.9199%1,730
Total risk-based capital ratio21.1759%1,699
Memoranda:
Average total assets$3,256,019,500234
Average earning assets$2,994,639,000225
Average equity$306,255,000266
Average total loans$1,116,788,500387
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4907%5,113
Cost of funding earning assets1.1100%2,607
Net interest margin3.3808%5,542
Noninterest income to average assets0.7430%2,374
Noninterest expense to average assets2.2198%6,227
Loan and lease loss provision to assets0.2386%3,821
Net operating income to assets1.1114%1,789
Return on assets (ROA)1.3609%1,199
Pretax return on assets1.7539%890
Return on Equity (ROE)14.8614%770
Retained earnings to average equity (ytd only)8.9534%818
Net charge-offs to loans0.9070%1,915
Credit loss provision to net charge-offs77.5422%4,576
Earnings coverage of net charge-offs (x)5.3967%2,807
Efficiency ratio57.0008%6,185
Assets per employee ($millions)5.8915%1,314
Cash dividends to net income (ytd only)*39.7540%2,612
Condition Ratios (%)
Loss allowance to loans1.6997%3,203
Loan loss allowance to noncurrent loans179.8778%1,823
Noncurrent assets plus other real estate owned to assets0.3413%6,123
Noncurrent loans to loans0.9449%4,813
Net loans and leases to total assets32.4996%6,931
Net loans and leases to deposits45.9902%6,628
Net loans and leases to core deposits57.6898%6,022
Total domestic deposits to total assets70.6663%6,956
Equity capital to assets9.2132%5,264
Core capital (leverage) ratio8.2985%5,859
Tier 1 risk-based capital ratio20.2620%1,578
Total risk-based capital ratio21.5178%1,555
Memoranda:
Average total assets$3,142,176,600235
Average earning assets$2,915,764,200226
Average equity$287,745,800270
Average total loans$1,065,820,400399
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5581%5,050
Cost of funding earning assets1.1604%2,568
Net interest margin3.3978%5,583
Noninterest income to average assets0.8101%2,009
Noninterest expense to average assets2.2708%6,117
Loan and lease loss provision to assets0.2343%3,670
Net operating income to assets1.1361%1,862
Return on assets (ROA)1.3820%1,275
Pretax return on assets1.7825%985
Return on Equity (ROE)15.1161%826
Retained earnings to average equity (ytd only)11.3562%575
Net charge-offs to loans1.0034%1,604
Credit loss provision to net charge-offs68.3722%4,537
Earnings coverage of net charge-offs (x)4.9176%2,922
Efficiency ratio57.1914%6,115
Assets per employee ($millions)5.7271%1,409
Cash dividends to net income (ytd only)*24.8733%2,728
Condition Ratios (%)
Loss allowance to loans1.7390%3,139
Loan loss allowance to noncurrent loans170.5965%1,787
Noncurrent assets plus other real estate owned to assets0.3879%6,108
Noncurrent loans to loans1.0193%4,854
Net loans and leases to total assets32.0459%7,026
Net loans and leases to deposits44.6578%6,803
Net loans and leases to core deposits56.0902%6,310
Total domestic deposits to total assets71.7588%6,949
Equity capital to assets9.5590%4,996
Core capital (leverage) ratio8.6123%5,532
Tier 1 risk-based capital ratio20.7047%1,522
Total risk-based capital ratio21.9609%1,488
Memoranda:
Average total assets$3,102,908,250234
Average earning assets$2,872,715,500226
Average equity$283,690,750273
Average total loans$1,059,580,000403
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6342%4,824
Cost of funding earning assets1.2143%2,480
Net interest margin3.4199%5,481
Noninterest income to average assets1.0928%1,082
Noninterest expense to average assets2.3321%6,047
Loan and lease loss provision to assets0.2606%3,316
Net operating income to assets1.2900%1,347
Return on assets (ROA)1.4797%985
Pretax return on assets1.9227%672
Return on Equity (ROE)16.4449%617
Retained earnings to average equity (ytd only)16.4449%188
Net charge-offs to loans0.9961%1,576
Credit loss provision to net charge-offs75.4340%3,903
Earnings coverage of net charge-offs (x)5.5436%2,589
Efficiency ratio54.7002%6,543
Assets per employee ($millions)5.4808%1,588
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.8635%2,786
Loan loss allowance to noncurrent loans146.8043%2,011
Noncurrent assets plus other real estate owned to assets0.4687%5,982
Noncurrent loans to loans1.2694%4,546
Net loans and leases to total assets32.8336%7,082
Net loans and leases to deposits45.5898%6,848
Net loans and leases to core deposits57.7499%6,288
Total domestic deposits to total assets72.0196%7,004
Equity capital to assets9.5210%4,789
Core capital (leverage) ratio8.9527%4,802
Tier 1 risk-based capital ratio20.7314%1,471
Total risk-based capital ratio21.9885%1,445
Memoranda:
Average total assets$3,068,147,000235
Average earning assets$2,830,109,330231
Average equity$276,062,000280
Average total loans$1,064,119,330410
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5331%5,232
Cost of funding earning assets1.2571%2,457
Net interest margin3.2760%5,859
Noninterest income to average assets1.0315%1,238
Noninterest expense to average assets2.3643%6,007
Loan and lease loss provision to assets0.2808%2,910
Net operating income to assets1.1556%1,646
Return on assets (ROA)1.2091%1,554
Pretax return on assets1.5025%1,440
Return on Equity (ROE)13.8490%1,020
Retained earnings to average equity (ytd only)13.8490%487
Net charge-offs to loans1.1415%1,216
Credit loss provision to net charge-offs69.6644%3,359
Earnings coverage of net charge-offs (x)4.2007%2,541
Efficiency ratio58.0436%6,266
Assets per employee ($millions)5.4911%1,583
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.8550%2,842
Loan loss allowance to noncurrent loans137.6383%2,160
Noncurrent assets plus other real estate owned to assets0.5110%5,956
Noncurrent loans to loans1.3477%4,461
Net loans and leases to total assets33.7917%7,099
Net loans and leases to deposits47.4233%6,775
Net loans and leases to core deposits60.7391%6,047
Total domestic deposits to total assets71.2554%7,123
Equity capital to assets8.7863%5,517
Core capital (leverage) ratio8.6124%5,249
Tier 1 risk-based capital ratio19.7431%1,639
Total risk-based capital ratio21.0005%1,612
Memoranda:
Average total assets$3,045,679,500237
Average earning assets$2,813,172,000230
Average equity$265,895,500288
Average total loans$1,075,406,000409
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7466%5,631
Cost of funding earning assets1.5198%2,534
Net interest margin3.2268%6,202
Noninterest income to average assets0.8286%2,145
Noninterest expense to average assets2.3069%6,341
Loan and lease loss provision to assets0.4569%3,384
Net operating income to assets0.7894%2,850
Return on assets (ROA)1.4076%1,010
Pretax return on assets1.8563%674
Return on Equity (ROE)16.1744%562
Retained earnings to average equity (ytd only)5.4740%2,129
Net charge-offs to loans1.2414%1,808
Credit loss provision to net charge-offs106.3071%4,204
Earnings coverage of net charge-offs (x)3.4663%3,343
Efficiency ratio60.4830%5,971
Assets per employee ($millions)5.1538%1,941
Cash dividends to net income (ytd only)*66.1563%1,372
Condition Ratios (%)
Loss allowance to loans1.9097%2,536
Loan loss allowance to noncurrent loans142.2947%2,093
Noncurrent assets plus other real estate owned to assets0.4997%6,031
Noncurrent loans to loans1.3421%4,473
Net loans and leases to total assets35.5266%7,179
Net loans and leases to deposits49.6173%6,875
Net loans and leases to core deposits63.9155%6,058
Total domestic deposits to total assets71.6012%7,121
Equity capital to assets8.6723%5,621
Core capital (leverage) ratio8.0877%6,046
Tier 1 risk-based capital ratio18.9806%1,729
Total risk-based capital ratio20.2389%1,690
Memoranda:
Average total assets$3,006,765,000244
Average earning assets$2,765,667,600237
Average equity$261,673,400288
Average total loans$1,040,942,400431
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7421%5,885
Cost of funding earning assets1.5589%2,612
Net interest margin3.1832%6,401
Noninterest income to average assets0.8539%1,981
Noninterest expense to average assets2.2944%6,346
Loan and lease loss provision to assets0.4132%3,424
Net operating income to assets0.8161%2,934
Return on assets (ROA)1.5209%964
Pretax return on assets2.0339%580
Return on Equity (ROE)17.4604%537
Retained earnings to average equity (ytd only)8.3063%1,315
Net charge-offs to loans1.3582%1,496
Credit loss provision to net charge-offs88.8974%4,811
Earnings coverage of net charge-offs (x)3.2017%3,542
Efficiency ratio60.3701%5,896
Assets per employee ($millions)5.1746%1,969
Cash dividends to net income (ytd only)*52.4277%1,543
Condition Ratios (%)
Loss allowance to loans1.7954%2,806
Loan loss allowance to noncurrent loans127.4738%2,227
Noncurrent assets plus other real estate owned to assets0.5307%6,096
Noncurrent loans to loans1.4084%4,504
Net loans and leases to total assets34.0209%7,343
Net loans and leases to deposits50.6260%6,975
Net loans and leases to core deposits64.5141%6,256
Total domestic deposits to total assets67.2004%7,416
Equity capital to assets9.0182%5,553
Core capital (leverage) ratio8.5220%5,464
Tier 1 risk-based capital ratio19.6551%1,614
Total risk-based capital ratio20.9121%1,582
Memoranda:
Average total assets$3,009,867,250240
Average earning assets$2,769,176,250235
Average equity$262,171,750283
Average total loans$1,030,052,250432
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7528%5,962
Cost of funding earning assets1.5719%2,820
Net interest margin3.1809%6,378
Noninterest income to average assets0.8370%1,932
Noninterest expense to average assets2.2964%6,364
Loan and lease loss provision to assets0.4072%3,277
Net operating income to assets0.8092%2,926
Return on assets (ROA)1.4941%982
Pretax return on assets1.9818%618
Return on Equity (ROE)17.3578%533
Retained earnings to average equity (ytd only)9.6367%931
Net charge-offs to loans1.3143%1,446
Credit loss provision to net charge-offs90.9050%4,399
Earnings coverage of net charge-offs (x)3.2721%3,390
Efficiency ratio60.7451%5,909
Assets per employee ($millions)5.1433%1,992
Cash dividends to net income (ytd only)*44.4820%1,890
Condition Ratios (%)
Loss allowance to loans1.8887%2,442
Loan loss allowance to noncurrent loans122.3541%2,285
Noncurrent assets plus other real estate owned to assets0.5753%6,041
Noncurrent loans to loans1.5436%4,394
Net loans and leases to total assets33.8123%7,428
Net loans and leases to deposits51.7775%6,992
Net loans and leases to core deposits62.3509%6,524
Total domestic deposits to total assets65.3030%7,554
Equity capital to assets9.0486%5,370
Core capital (leverage) ratio8.2513%5,853
Tier 1 risk-based capital ratio19.1961%1,677
Total risk-based capital ratio20.4535%1,635
Memoranda:
Average total assets$3,009,288,000242
Average earning assets$2,767,332,670237
Average equity$259,031,000285
Average total loans$1,025,634,330439
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0116%4,968
Cost of funding earning assets1.5924%3,009
Net interest margin3.4192%5,504
Noninterest income to average assets0.8029%2,005
Noninterest expense to average assets2.2463%6,558
Loan and lease loss provision to assets0.5100%2,457
Net operating income to assets0.8891%2,598
Return on assets (ROA)1.6383%747
Pretax return on assets2.2150%409
Return on Equity (ROE)19.5214%408
Retained earnings to average equity (ytd only)3.8049%3,858
Net charge-offs to loans1.6713%1,038
Credit loss provision to net charge-offs90.0349%3,658
Earnings coverage of net charge-offs (x)3.0058%3,049
Efficiency ratio56.5946%6,682
Assets per employee ($millions)5.3808%1,787
Cash dividends to net income (ytd only)*80.5088%838
Condition Ratios (%)
Loss allowance to loans1.9096%2,412
Loan loss allowance to noncurrent loans106.1852%2,609
Noncurrent assets plus other real estate owned to assets0.6677%5,846
Noncurrent loans to loans1.7984%4,052
Net loans and leases to total assets32.8354%7,539
Net loans and leases to deposits51.6579%7,060
Net loans and leases to core deposits62.2783%6,575
Total domestic deposits to total assets63.5631%7,687
Equity capital to assets8.3228%6,273
Core capital (leverage) ratio8.1004%6,073
Tier 1 risk-based capital ratio18.2217%1,894
Total risk-based capital ratio19.4790%1,865
Memoranda:
Average total assets$3,032,655,000250
Average earning assets$2,790,580,000245
Average equity$254,511,000292
Average total loans$1,027,956,500459
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5668%3,773
Cost of funding earning assets1.8901%3,517
Net interest margin3.6767%4,233
Noninterest income to average assets0.8933%1,967
Noninterest expense to average assets2.4486%6,307
Loan and lease loss provision to assets0.5333%3,704
Net operating income to assets0.9428%2,034
Return on assets (ROA)1.6762%494
Pretax return on assets2.3210%216
Return on Equity (ROE)20.2235%234
Retained earnings to average equity (ytd only)15.5344%84
Net charge-offs to loans1.1046%2,212
Credit loss provision to net charge-offs133.4601%3,737
Earnings coverage of net charge-offs (x)4.5810%2,897
Efficiency ratio56.9078%6,900
Assets per employee ($millions)5.3828%1,760
Cash dividends to net income (ytd only)*23.1862%3,572
Condition Ratios (%)
Loss allowance to loans1.9197%2,215
Loan loss allowance to noncurrent loans104.9312%2,685
Noncurrent assets plus other real estate owned to assets0.6989%5,709
Noncurrent loans to loans1.8294%3,885
Net loans and leases to total assets33.6626%7,606
Net loans and leases to deposits54.3223%7,030
Net loans and leases to core deposits70.4694%6,737
Total domestic deposits to total assets61.9684%7,763
Equity capital to assets8.4624%5,945
Core capital (leverage) ratio7.9532%6,256
Tier 1 risk-based capital ratio17.6856%1,976
Total risk-based capital ratio18.9428%1,927
Memoranda:
Average total assets$2,830,310,200263
Average earning assets$2,606,362,400259
Average equity$234,588,800303
Average total loans$1,023,782,400471
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5954%3,889
Cost of funding earning assets1.9660%3,540
Net interest margin3.6294%4,375
Noninterest income to average assets0.9239%1,888
Noninterest expense to average assets2.4521%6,239
Loan and lease loss provision to assets0.4781%3,519
Net operating income to assets0.9713%2,157
Return on assets (ROA)1.7335%557
Pretax return on assets2.4132%226
Return on Equity (ROE)21.0346%255
Retained earnings to average equity (ytd only)14.6399%170
Net charge-offs to loans0.9990%1,975
Credit loss provision to net charge-offs130.5087%3,837
Earnings coverage of net charge-offs (x)4.9647%2,959
Efficiency ratio57.0844%6,860
Assets per employee ($millions)5.4195%1,689
Cash dividends to net income (ytd only)*30.4010%2,863
Condition Ratios (%)
Loss allowance to loans1.8083%2,253
Loan loss allowance to noncurrent loans103.1484%2,695
Noncurrent assets plus other real estate owned to assets0.6894%5,760
Noncurrent loans to loans1.7531%3,988
Net loans and leases to total assets34.0984%7,687
Net loans and leases to deposits55.8463%7,101
Net loans and leases to core deposits72.6099%6,804
Total domestic deposits to total assets61.0576%7,851
Equity capital to assets8.5468%6,189
Core capital (leverage) ratio7.8782%6,531
Tier 1 risk-based capital ratio17.1463%2,233
Total risk-based capital ratio18.4036%2,177
Memoranda:
Average total assets$2,782,943,250279
Average earning assets$2,566,514,750272
Average equity$229,349,250319
Average total loans$1,020,619,750486
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7498%3,295
Cost of funding earning assets2.0627%3,461
Net interest margin3.6871%4,009
Noninterest income to average assets0.9516%1,750
Noninterest expense to average assets2.5015%6,120
Loan and lease loss provision to assets0.5131%2,969
Net operating income to assets0.9608%2,243
Return on assets (ROA)1.8314%470
Pretax return on assets2.5785%177
Return on Equity (ROE)22.5216%214
Retained earnings to average equity (ytd only)12.6169%367
Net charge-offs to loans0.8454%2,002
Credit loss provision to net charge-offs162.3870%2,831
Earnings coverage of net charge-offs (x)5.8440%2,746
Efficiency ratio57.1984%6,967
Assets per employee ($millions)4.9801%2,097
Cash dividends to net income (ytd only)*43.9789%2,263
Condition Ratios (%)
Loss allowance to loans1.8381%1,948
Loan loss allowance to noncurrent loans130.8195%2,245
Noncurrent assets plus other real estate owned to assets0.6439%5,807
Noncurrent loans to loans1.4050%4,402
Net loans and leases to total assets36.6632%7,682
Net loans and leases to deposits58.8836%6,970
Net loans and leases to core deposits78.0355%6,545
Total domestic deposits to total assets62.2638%7,883
Equity capital to assets8.3337%6,286
Core capital (leverage) ratio7.6407%6,839
Tier 1 risk-based capital ratio16.6784%2,400
Total risk-based capital ratio17.9379%2,344
Memoranda:
Average total assets$2,731,467,000290
Average earning assets$2,516,050,330282
Average equity$222,115,330335
Average total loans$1,020,812,670501
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8278%3,156
Cost of funding earning assets2.1548%3,394
Net interest margin3.6730%4,004
Noninterest income to average assets0.8824%1,921
Noninterest expense to average assets2.3705%6,292
Loan and lease loss provision to assets0.5265%2,364
Net operating income to assets0.9755%2,416
Return on assets (ROA)2.1888%273
Pretax return on assets3.1519%111
Return on Equity (ROE)27.2571%138
Retained earnings to average equity (ytd only)16.3002%313
Net charge-offs to loans0.8905%1,473
Credit loss provision to net charge-offs158.1498%2,670
Earnings coverage of net charge-offs (x)5.7004%2,622
Efficiency ratio55.1898%7,079
Assets per employee ($millions)5.1390%1,908
Cash dividends to net income (ytd only)*40.1983%2,061
Condition Ratios (%)
Loss allowance to loans1.7152%2,092
Loan loss allowance to noncurrent loans135.8796%2,356
Noncurrent assets plus other real estate owned to assets0.5806%5,730
Noncurrent loans to loans1.2623%4,458
Net loans and leases to total assets36.1970%7,723
Net loans and leases to deposits59.2627%6,951
Net loans and leases to core deposits79.4471%6,428
Total domestic deposits to total assets61.0789%7,941
Equity capital to assets8.1514%6,597
Core capital (leverage) ratio7.6888%6,898
Tier 1 risk-based capital ratio16.4833%2,518
Total risk-based capital ratio17.7354%2,456
Memoranda:
Average total assets$2,727,663,500290
Average earning assets$2,514,356,000284
Average equity$219,040,500343
Average total loans$1,019,701,000506
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2431%4,282
Cost of funding earning assets2.5840%3,771
Net interest margin3.6590%4,645
Noninterest income to average assets1.1594%1,151
Noninterest expense to average assets2.4513%6,200
Loan and lease loss provision to assets0.5704%2,542
Net operating income to assets1.0584%2,319
Return on assets (ROA)1.4288%1,126
Pretax return on assets1.9784%642
Return on Equity (ROE)17.7085%555
Retained earnings to average equity (ytd only)14.6066%103
Net charge-offs to loans0.7401%1,672
Credit loss provision to net charge-offs186.9191%2,658
Earnings coverage of net charge-offs (x)6.6661%3,304
Efficiency ratio54.2321%7,244
Assets per employee ($millions)5.0958%1,846
Cash dividends to net income (ytd only)*17.5167%4,518
Condition Ratios (%)
Loss allowance to loans1.5749%2,343
Loan loss allowance to noncurrent loans108.1342%3,213
Noncurrent assets plus other real estate owned to assets0.5645%5,492
Noncurrent loans to loans1.4564%3,616
Net loans and leases to total assets37.3542%7,781
Net loans and leases to deposits64.5866%6,746
Net loans and leases to core deposits79.2237%6,675
Total domestic deposits to total assets57.8358%8,018
Equity capital to assets7.9064%6,960
Core capital (leverage) ratio7.5124%7,195
Tier 1 risk-based capital ratio16.1030%2,627
Total risk-based capital ratio17.3541%2,561
Memoranda:
Average total assets$2,397,287,200309
Average earning assets$2,179,264,600307
Average equity$193,426,400382
Average total loans$988,479,200498