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SouthStar Bank, S.S.B., Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0517%598
Cost of funding earning assets1.6004%1,694
Net interest margin4.4512%657
Noninterest income to average assets0.3200%2,981
Noninterest expense to average assets2.7156%1,697
Loan and lease loss provision to assets0.0300%2,526
Net operating income to assets1.3876%1,235
Return on assets (ROA)1.3883%1,206
Pretax return on assets1.7468%969
Return on Equity (ROE)13.3400%1,645
Retained earnings to average equity (ytd only)11.0866%776
Net charge-offs to loans-0.0026%3,721
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio59.8350%3,096
Assets per employee ($millions)7.7828%1,546
Cash dividends to net income (ytd only)*16.8961%3,044
Condition Ratios (%)
Loss allowance to loans0.7638%4,037
Loan loss allowance to noncurrent loans138.4115%2,944
Noncurrent assets plus other real estate owned to assets0.4179%1,328
Noncurrent loans to loans0.5519%1,420
Net loans and leases to total assets75.1500%1,219
Net loans and leases to deposits98.4374%621
Net loans and leases to core deposits115.2226%774
Total domestic deposits to total assets76.3400%3,914
Equity capital to assets10.9647%1,498
Core capital (leverage) ratio11.6853%1,564
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.3918%1,014
Memoranda:
Average total assets$1,193,260,200859
Average earning assets$1,118,652,200843
Average equity$124,176,600799
Average total loans$894,778,000795
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9396%572
Cost of funding earning assets1.4537%1,725
Net interest margin4.4859%630
Noninterest income to average assets0.3300%2,912
Noninterest expense to average assets2.6992%1,659
Loan and lease loss provision to assets0.0400%2,145
Net operating income to assets1.4302%1,255
Return on assets (ROA)1.4312%1,236
Pretax return on assets1.8015%1,008
Return on Equity (ROE)13.9400%1,669
Retained earnings to average equity (ytd only)11.9761%972
Net charge-offs to loans-0.0035%3,665
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio58.8475%3,105
Assets per employee ($millions)8.0517%1,325
Cash dividends to net income (ytd only)*14.1143%2,669
Condition Ratios (%)
Loss allowance to loans0.7440%4,080
Loan loss allowance to noncurrent loans2,372.2973%456
Noncurrent assets plus other real estate owned to assets0.0240%3,573
Noncurrent loans to loans0.0314%3,547
Net loans and leases to total assets76.0400%1,116
Net loans and leases to deposits99.5835%532
Net loans and leases to core deposits117.3883%627
Total domestic deposits to total assets76.3600%3,987
Equity capital to assets10.1288%1,756
Core capital (leverage) ratio11.2484%1,825
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2819%1,249
Memoranda:
Average total assets$1,188,047,250865
Average earning assets$1,113,741,500850
Average equity$121,939,750807
Average total loans$888,610,250804
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6769%661
Cost of funding earning assets1.2178%1,935
Net interest margin4.4591%642
Noninterest income to average assets0.3500%2,761
Noninterest expense to average assets2.6860%1,672
Loan and lease loss provision to assets0.0500%1,895
Net operating income to assets1.4263%1,267
Return on assets (ROA)1.4264%1,250
Pretax return on assets1.7946%1,021
Return on Equity (ROE)13.8300%1,718
Retained earnings to average equity (ytd only)11.8502%1,016
Net charge-offs to loans-0.0046%3,695
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio58.6583%3,114
Assets per employee ($millions)8.0138%1,309
Cash dividends to net income (ytd only)*14.3386%2,611
Condition Ratios (%)
Loss allowance to loans0.7189%4,154
Loan loss allowance to noncurrent loans812.0567%1,102
Noncurrent assets plus other real estate owned to assets0.0677%3,092
Noncurrent loans to loans0.0885%3,059
Net loans and leases to total assets75.8900%1,064
Net loans and leases to deposits104.7814%342
Net loans and leases to core deposits117.4469%590
Total domestic deposits to total assets72.4300%4,276
Equity capital to assets9.8874%1,921
Core capital (leverage) ratio11.3911%1,685
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4412%1,443
Memoranda:
Average total assets$1,173,426,333862
Average earning assets$1,100,357,333844
Average equity$120,993,667807
Average total loans$870,223,333798
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4851%636
Cost of funding earning assets0.8967%2,380
Net interest margin4.5884%512
Noninterest income to average assets0.2900%3,144
Noninterest expense to average assets2.7445%1,558
Loan and lease loss provision to assets0.0500%1,764
Net operating income to assets1.4298%1,327
Return on assets (ROA)1.4315%1,294
Pretax return on assets1.7973%1,071
Return on Equity (ROE)13.5800%1,864
Retained earnings to average equity (ytd only)11.5702%1,347
Net charge-offs to loans0.0010%2,025
Credit loss provision to net charge-offs6,750.0000%72
Earnings coverage of net charge-offs (x)2,614.5000%29
Efficiency ratio59.1457%3,058
Assets per employee ($millions)7.5586%1,585
Cash dividends to net income (ytd only)*14.7710%2,092
Condition Ratios (%)
Loss allowance to loans0.7591%4,162
Loan loss allowance to noncurrent loans752.1387%1,220
Noncurrent assets plus other real estate owned to assets0.0743%3,055
Noncurrent loans to loans0.1009%3,032
Net loans and leases to total assets73.0700%1,314
Net loans and leases to deposits95.4951%683
Net loans and leases to core deposits105.6076%849
Total domestic deposits to total assets76.5200%4,125
Equity capital to assets10.4958%1,561
Core capital (leverage) ratio11.9258%1,324
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2423%1,319
Memoranda:
Average total assets$1,135,066,500899
Average earning assets$1,063,463,000884
Average equity$119,687,000821
Average total loans$827,538,000842
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8358%404
Cost of funding earning assets0.3860%2,212
Net interest margin4.4498%323
Noninterest income to average assets0.3800%2,814
Noninterest expense to average assets2.8195%1,277
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets1.3865%1,167
Return on assets (ROA)1.3865%1,113
Pretax return on assets1.7353%850
Return on Equity (ROE)13.7200%1,598
Retained earnings to average equity (ytd only)11.9833%669
Net charge-offs to loans0.0019%2,472
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)1,318.4667%134
Efficiency ratio61.2202%2,879
Assets per employee ($millions)6.7860%2,131
Cash dividends to net income (ytd only)*12.6440%3,158
Condition Ratios (%)
Loss allowance to loans0.7986%4,031
Loan loss allowance to noncurrent loans1,136.0071%897
Noncurrent assets plus other real estate owned to assets0.0507%3,296
Noncurrent loans to loans0.0703%3,249
Net loans and leases to total assets71.5700%1,465
Net loans and leases to deposits87.9543%1,177
Net loans and leases to core deposits96.1815%1,199
Total domestic deposits to total assets81.3700%3,709
Equity capital to assets10.5957%1,408
Core capital (leverage) ratio11.9203%1,308
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.5978%1,212
Memoranda:
Average total assets$1,139,713,200881
Average earning assets$1,068,054,400867
Average equity$115,193,400843
Average total loans$806,350,600817
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7155%343
Cost of funding earning assets0.3462%1,736
Net interest margin4.3692%296
Noninterest income to average assets0.4100%2,683
Noninterest expense to average assets2.7854%1,274
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.3730%1,161
Return on assets (ROA)1.3728%1,137
Pretax return on assets1.7207%866
Return on Equity (ROE)13.7400%1,499
Retained earnings to average equity (ytd only)11.9994%788
Net charge-offs to loans0.0035%2,094
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)705.7143%230
Efficiency ratio61.1236%2,950
Assets per employee ($millions)6.7200%2,148
Cash dividends to net income (ytd only)*12.6808%2,750
Condition Ratios (%)
Loss allowance to loans0.8217%4,040
Loan loss allowance to noncurrent loans1,371.9828%764
Noncurrent assets plus other real estate owned to assets0.0421%3,485
Noncurrent loans to loans0.0599%3,450
Net loans and leases to total assets69.7200%1,500
Net loans and leases to deposits82.2444%1,428
Net loans and leases to core deposits89.8189%1,306
Total domestic deposits to total assets84.7700%3,338
Equity capital to assets10.2191%1,509
Core capital (leverage) ratio11.0685%1,680
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.3054%1,338
Memoranda:
Average total assets$1,148,112,750883
Average earning assets$1,076,318,750871
Average equity$114,691,500865
Average total loans$808,429,500814
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5423%351
Cost of funding earning assets0.3295%1,445
Net interest margin4.2128%330
Noninterest income to average assets0.4378%2,520
Noninterest expense to average assets2.7451%1,283
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets1.3115%1,105
Return on assets (ROA)1.3109%1,090
Pretax return on assets1.6441%860
Return on Equity (ROE)13.2189%1,317
Retained earnings to average equity (ytd only)11.4872%701
Net charge-offs to loans0.0041%1,868
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)562.8235%232
Efficiency ratio61.8397%3,062
Assets per employee ($millions)6.7389%2,134
Cash dividends to net income (ytd only)*13.0999%2,699
Condition Ratios (%)
Loss allowance to loans0.7886%4,192
Loan loss allowance to noncurrent loans2,227.6224%514
Noncurrent assets plus other real estate owned to assets0.1759%2,479
Noncurrent loans to loans0.0354%3,684
Net loans and leases to total assets69.1513%1,384
Net loans and leases to deposits81.0051%1,314
Net loans and leases to core deposits90.0384%1,118
Total domestic deposits to total assets85.3666%3,401
Equity capital to assets9.6294%1,919
Core capital (leverage) ratio10.4682%1,969
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0093%1,703
Memoranda:
Average total assets$1,163,454,333874
Average earning assets$1,091,435,333864
Average equity$115,380,667866
Average total loans$819,653,333796
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4557%346
Cost of funding earning assets0.3384%1,302
Net interest margin4.1173%325
Noninterest income to average assets0.3977%2,704
Noninterest expense to average assets2.6890%1,394
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.2587%1,097
Return on assets (ROA)1.2601%1,077
Pretax return on assets1.5809%860
Return on Equity (ROE)12.5256%1,150
Retained earnings to average equity (ytd only)10.8200%815
Net charge-offs to loans-0.0005%2,977
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.2849%3,231
Assets per employee ($millions)6.8075%2,136
Cash dividends to net income (ytd only)*13.6166%2,093
Condition Ratios (%)
Loss allowance to loans0.7975%4,248
Loan loss allowance to noncurrent loans1,435.7303%689
Noncurrent assets plus other real estate owned to assets0.2118%2,369
Noncurrent loans to loans0.0555%3,584
Net loans and leases to total assets67.8786%1,223
Net loans and leases to deposits79.5416%1,175
Net loans and leases to core deposits89.0430%966
Total domestic deposits to total assets85.3372%3,459
Equity capital to assets9.8852%1,981
Core capital (leverage) ratio10.2144%2,092
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9063%1,832
Memoranda:
Average total assets$1,165,634,500875
Average earning assets$1,095,754,000871
Average equity$117,264,000878
Average total loans$825,530,500778
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7419%396
Cost of funding earning assets0.4296%1,335
Net interest margin4.3123%395
Noninterest income to average assets0.5349%2,416
Noninterest expense to average assets2.8295%1,290
Loan and lease loss provision to assets0.0404%2,235
Net operating income to assets1.3766%1,351
Return on assets (ROA)1.3782%1,402
Pretax return on assets1.7147%1,113
Return on Equity (ROE)13.5049%1,306
Retained earnings to average equity (ytd only)11.7326%577
Net charge-offs to loans0.0543%1,251
Credit loss provision to net charge-offs95.7082%1,844
Earnings coverage of net charge-offs (x)41.5579%1,413
Efficiency ratio61.5116%2,934
Assets per employee ($millions)6.9484%1,963
Cash dividends to net income (ytd only)*13.1232%3,259
Condition Ratios (%)
Loss allowance to loans0.7516%4,343
Loan loss allowance to noncurrent loans222.4234%2,443
Noncurrent assets plus other real estate owned to assets0.4212%1,557
Noncurrent loans to loans0.3379%2,373
Net loans and leases to total assets72.6917%788
Net loans and leases to deposits85.6371%815
Net loans and leases to core deposits96.2938%678
Total domestic deposits to total assets84.8835%3,307
Equity capital to assets10.2366%2,432
Core capital (leverage) ratio10.1464%2,225
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8651%2,291
Memoranda:
Average total assets$1,104,676,600886
Average earning assets$1,036,903,600875
Average equity$112,737,000920
Average total loans$858,531,000757
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7971%412
Cost of funding earning assets0.4532%1,330
Net interest margin4.3439%412
Noninterest income to average assets0.5110%2,577
Noninterest expense to average assets2.7913%1,361
Loan and lease loss provision to assets0.0179%2,648
Net operating income to assets1.4205%1,474
Return on assets (ROA)1.4219%1,535
Pretax return on assets1.7770%1,216
Return on Equity (ROE)13.9437%1,407
Retained earnings to average equity (ytd only)12.1468%809
Net charge-offs to loans-0.0056%3,470
Credit loss provision to net charge-offs-405.5556%3,591
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio60.8068%2,862
Assets per employee ($millions)6.6889%2,106
Cash dividends to net income (ytd only)*12.8869%2,857
Condition Ratios (%)
Loss allowance to loans0.7570%4,412
Loan loss allowance to noncurrent loans138.4454%3,022
Noncurrent assets plus other real estate owned to assets0.6262%1,216
Noncurrent loans to loans0.5468%1,952
Net loans and leases to total assets76.4264%517
Net loans and leases to deposits90.4652%583
Net loans and leases to core deposits102.3356%513
Total domestic deposits to total assets84.4816%3,307
Equity capital to assets10.2801%2,629
Core capital (leverage) ratio10.4808%2,070
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5438%2,534
Memoranda:
Average total assets$1,090,749,500902
Average earning assets$1,022,832,250895
Average equity$111,225,250943
Average total loans$860,690,750768
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8023%461
Cost of funding earning assets0.4848%1,293
Net interest margin4.3175%478
Noninterest income to average assets0.5472%2,417
Noninterest expense to average assets2.8059%1,341
Loan and lease loss provision to assets0.0271%2,437
Net operating income to assets1.4109%1,534
Return on assets (ROA)1.4127%1,594
Pretax return on assets1.7633%1,320
Return on Equity (ROE)13.8932%1,445
Retained earnings to average equity (ytd only)12.0696%899
Net charge-offs to loans-0.0072%3,551
Credit loss provision to net charge-offs-470.9677%3,450
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.0763%2,861
Assets per employee ($millions)6.6005%2,094
Cash dividends to net income (ytd only)*13.1257%2,769
Condition Ratios (%)
Loss allowance to loans0.8167%4,340
Loan loss allowance to noncurrent loans199.0931%2,469
Noncurrent assets plus other real estate owned to assets0.5704%1,459
Noncurrent loans to loans0.4102%2,451
Net loans and leases to total assets75.2664%655
Net loans and leases to deposits89.8641%660
Net loans and leases to core deposits102.9269%566
Total domestic deposits to total assets83.7558%3,507
Equity capital to assets10.5872%2,323
Core capital (leverage) ratio10.3969%2,036
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.6985%2,088
Memoranda:
Average total assets$1,077,526,333909
Average earning assets$1,009,975,667903
Average equity$109,564,333950
Average total loans$857,411,333770
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8302%468
Cost of funding earning assets0.5036%1,374
Net interest margin4.3267%493
Noninterest income to average assets0.5862%2,266
Noninterest expense to average assets2.8318%1,301
Loan and lease loss provision to assets0.0538%2,030
Net operating income to assets1.4014%1,571
Return on assets (ROA)1.4028%1,639
Pretax return on assets1.7505%1,392
Return on Equity (ROE)14.0805%1,413
Retained earnings to average equity (ytd only)12.2303%1,091
Net charge-offs to loans-0.0181%3,945
Credit loss provision to net charge-offs-365.0000%3,094
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.1058%2,895
Assets per employee ($millions)6.5177%2,162
Cash dividends to net income (ytd only)*13.1406%2,185
Condition Ratios (%)
Loss allowance to loans0.8048%4,401
Loan loss allowance to noncurrent loans193.3724%2,427
Noncurrent assets plus other real estate owned to assets0.5873%1,620
Noncurrent loans to loans0.4162%2,606
Net loans and leases to total assets77.4534%499
Net loans and leases to deposits93.5230%519
Net loans and leases to core deposits106.5249%493
Total domestic deposits to total assets82.8175%3,734
Equity capital to assets10.4504%2,314
Core capital (leverage) ratio10.2323%2,302
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.2861%2,169
Memoranda:
Average total assets$1,084,951,000895
Average earning assets$1,015,103,000879
Average equity$108,092,500949
Average total loans$882,904,500748
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1080%404
Cost of funding earning assets0.6525%1,976
Net interest margin4.4555%357
Noninterest income to average assets0.5693%2,338
Noninterest expense to average assets2.8921%1,706
Loan and lease loss provision to assets0.2564%1,517
Net operating income to assets1.2473%1,390
Return on assets (ROA)1.3231%1,291
Pretax return on assets1.6543%945
Return on Equity (ROE)13.2763%972
Retained earnings to average equity (ytd only)12.0680%306
Net charge-offs to loans0.0086%3,022
Credit loss provision to net charge-offs3,598.5915%286
Earnings coverage of net charge-offs (x)254.8592%397
Efficiency ratio61.4302%3,236
Assets per employee ($millions)7.0035%1,586
Cash dividends to net income (ytd only)*9.1013%3,570
Condition Ratios (%)
Loss allowance to loans0.6770%4,623
Loan loss allowance to noncurrent loans146.8714%2,828
Noncurrent assets plus other real estate owned to assets0.6350%1,654
Noncurrent loans to loans0.4610%2,584
Net loans and leases to total assets83.8917%179
Net loans and leases to deposits117.1547%90
Net loans and leases to core deposits139.1410%122
Total domestic deposits to total assets71.6076%4,730
Equity capital to assets9.5064%3,606
Core capital (leverage) ratio9.6001%3,011
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1967%2,870
Memoranda:
Average total assets$996,494,400886
Average earning assets$925,645,800885
Average equity$99,312,400963
Average total loans$820,831,600770
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0977%505
Cost of funding earning assets0.6996%2,026
Net interest margin4.3981%473
Noninterest income to average assets0.5282%2,483
Noninterest expense to average assets2.9035%1,696
Loan and lease loss provision to assets0.2561%1,584
Net operating income to assets1.1596%1,787
Return on assets (ROA)1.2434%1,624
Pretax return on assets1.5548%1,313
Return on Equity (ROE)12.3117%1,298
Retained earnings to average equity (ytd only)11.2178%534
Net charge-offs to loans-0.0150%4,331
Credit loss provision to net charge-offs-2,084.2697%4,083
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio62.9868%2,917
Assets per employee ($millions)6.8489%1,592
Cash dividends to net income (ytd only)*8.8849%3,161
Condition Ratios (%)
Loss allowance to loans0.6318%4,684
Loan loss allowance to noncurrent loans173.6095%2,450
Noncurrent assets plus other real estate owned to assets0.6164%1,887
Noncurrent loans to loans0.3639%2,981
Net loans and leases to total assets84.2185%261
Net loans and leases to deposits124.0339%84
Net loans and leases to core deposits146.8646%131
Total domestic deposits to total assets67.8996%4,814
Equity capital to assets9.3852%3,777
Core capital (leverage) ratio9.7002%3,035
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.1486%2,885
Memoranda:
Average total assets$965,479,000901
Average earning assets$895,971,500890
Average equity$97,509,500972
Average total loans$789,424,250791
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1101%675
Cost of funding earning assets0.7528%2,104
Net interest margin4.3573%665
Noninterest income to average assets0.4965%2,588
Noninterest expense to average assets2.9535%1,710
Loan and lease loss provision to assets0.3633%1,157
Net operating income to assets0.9693%2,426
Return on assets (ROA)1.0390%2,323
Pretax return on assets1.2971%2,037
Return on Equity (ROE)10.0072%1,980
Retained earnings to average equity (ytd only)9.1716%964
Net charge-offs to loans0.0048%2,797
Credit loss provision to net charge-offs9,305.5556%127
Earnings coverage of net charge-offs (x)402.9444%252
Efficiency ratio65.2451%2,624
Assets per employee ($millions)6.5943%1,711
Cash dividends to net income (ytd only)*8.3507%3,065
Condition Ratios (%)
Loss allowance to loans0.6414%4,685
Loan loss allowance to noncurrent loans167.1159%2,421
Noncurrent assets plus other real estate owned to assets0.6364%1,908
Noncurrent loans to loans0.3838%3,035
Net loans and leases to total assets83.4956%296
Net loans and leases to deposits121.6782%85
Net loans and leases to core deposits140.2660%165
Total domestic deposits to total assets68.6200%4,828
Equity capital to assets9.5436%3,620
Core capital (leverage) ratio10.0465%2,793
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.4388%2,841
Memoranda:
Average total assets$922,029,333923
Average earning assets$852,817,333918
Average equity$95,730,667977
Average total loans$742,979,667817
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0991%797
Cost of funding earning assets0.8301%2,224
Net interest margin4.2690%811
Noninterest income to average assets0.4165%2,993
Noninterest expense to average assets3.0590%1,744
Loan and lease loss provision to assets0.0809%2,696
Net operating income to assets0.9701%2,283
Return on assets (ROA)1.0252%2,194
Pretax return on assets1.2794%1,932
Return on Equity (ROE)9.4189%1,945
Retained earnings to average equity (ytd only)7.7203%1,313
Net charge-offs to loans-0.0041%3,803
Credit loss provision to net charge-offs-2,500.0000%3,743
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.3145%2,306
Assets per employee ($millions)5.8273%1,812
Cash dividends to net income (ytd only)*18.0343%2,374
Condition Ratios (%)
Loss allowance to loans0.5597%4,819
Loan loss allowance to noncurrent loans130.0507%2,809
Noncurrent assets plus other real estate owned to assets0.7004%1,911
Noncurrent loans to loans0.4304%2,964
Net loans and leases to total assets79.7587%725
Net loans and leases to deposits113.8066%136
Net loans and leases to core deposits127.0592%318
Total domestic deposits to total assets70.0827%4,853
Equity capital to assets10.3927%3,427
Core capital (leverage) ratio11.6847%1,934
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4746%2,488
Memoranda:
Average total assets$865,394,000947
Average earning assets$797,471,000944
Average equity$94,193,500987
Average total loans$679,464,500853
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5738%496
Cost of funding earning assets0.9520%1,947
Net interest margin4.6218%544
Noninterest income to average assets0.4985%2,753
Noninterest expense to average assets3.3592%1,183
Loan and lease loss provision to assets0.0142%3,729
Net operating income to assets1.0847%2,503
Return on assets (ROA)1.1226%2,458
Pretax return on assets1.4045%2,142
Return on Equity (ROE)9.7733%2,404
Retained earnings to average equity (ytd only)7.9739%987
Net charge-offs to loans-0.0959%4,950
Credit loss provision to net charge-offs-19.5730%4,122
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0123%2,022
Assets per employee ($millions)5.2981%2,250
Cash dividends to net income (ytd only)*18.4120%3,521
Condition Ratios (%)
Loss allowance to loans0.6277%4,691
Loan loss allowance to noncurrent loans203.5270%2,062
Noncurrent assets plus other real estate owned to assets0.3527%2,994
Noncurrent loans to loans0.3084%3,335
Net loans and leases to total assets76.1363%1,389
Net loans and leases to deposits101.4050%508
Net loans and leases to core deposits112.6152%733
Total domestic deposits to total assets75.0814%4,698
Equity capital to assets11.4359%2,585
Core capital (leverage) ratio11.4273%2,165
Tier 1 risk-based capital ratio14.7175%2,897
Total risk-based capital ratio15.3402%3,133
Memoranda:
Average total assets$774,103,2001,001
Average earning assets$708,811,2001,004
Average equity$88,915,400988
Average total loans$585,961,200927
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5135%571
Cost of funding earning assets0.9390%2,047
Net interest margin4.5745%647
Noninterest income to average assets0.4768%2,873
Noninterest expense to average assets3.3077%1,249
Loan and lease loss provision to assets0.0192%3,526
Net operating income to assets1.0637%2,718
Return on assets (ROA)1.1150%2,607
Pretax return on assets1.4022%2,309
Return on Equity (ROE)9.6956%2,573
Retained earnings to average equity (ytd only)7.8737%1,453
Net charge-offs to loans-0.1375%5,054
Credit loss provision to net charge-offs-18.5185%3,973
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.9046%1,979
Assets per employee ($millions)5.5521%1,983
Cash dividends to net income (ytd only)*18.7911%3,087
Condition Ratios (%)
Loss allowance to loans0.6003%4,822
Loan loss allowance to noncurrent loans98.7029%3,346
Noncurrent assets plus other real estate owned to assets0.5183%2,454
Noncurrent loans to loans0.6081%2,461
Net loans and leases to total assets76.1419%1,451
Net loans and leases to deposits110.4378%214
Net loans and leases to core deposits123.5826%419
Total domestic deposits to total assets68.9456%5,032
Equity capital to assets10.6149%3,452
Core capital (leverage) ratio11.6168%2,130
Tier 1 risk-based capital ratio13.7301%3,464
Total risk-based capital ratio14.3282%3,714
Memoranda:
Average total assets$763,652,2501,014
Average earning assets$699,161,7501,010
Average equity$87,817,7501,001
Average total loans$576,170,250941
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5885%478
Cost of funding earning assets0.9272%2,019
Net interest margin4.6613%537
Noninterest income to average assets0.4846%2,758
Noninterest expense to average assets3.3645%1,164
Loan and lease loss provision to assets0.0301%3,216
Net operating income to assets1.0711%2,643
Return on assets (ROA)1.1004%2,591
Pretax return on assets1.3802%2,258
Return on Equity (ROE)9.2889%2,734
Retained earnings to average equity (ytd only)7.4422%1,631
Net charge-offs to loans-0.1768%5,112
Credit loss provision to net charge-offs-22.6804%3,778
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0089%2,065
Assets per employee ($millions)5.4814%1,985
Cash dividends to net income (ytd only)*19.8807%3,027
Condition Ratios (%)
Loss allowance to loans0.6243%4,833
Loan loss allowance to noncurrent loans107.6686%3,211
Noncurrent assets plus other real estate owned to assets0.5308%2,431
Noncurrent loans to loans0.5798%2,520
Net loans and leases to total assets75.9960%1,548
Net loans and leases to deposits105.0893%374
Net loans and leases to core deposits120.0843%546
Total domestic deposits to total assets72.3156%4,957
Equity capital to assets11.0693%2,975
Core capital (leverage) ratio12.1171%1,747
Tier 1 risk-based capital ratio14.2661%3,179
Total risk-based capital ratio14.8836%3,409
Memoranda:
Average total assets$731,345,3301,043
Average earning assets$667,374,0001,048
Average equity$86,640,6701,010
Average total loans$548,489,000985
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6145%419
Cost of funding earning assets0.8773%2,113
Net interest margin4.7372%458
Noninterest income to average assets0.5215%2,431
Noninterest expense to average assets3.4414%1,050
Loan and lease loss provision to assets0.0403%2,820
Net operating income to assets1.0672%2,589
Return on assets (ROA)1.0695%2,632
Pretax return on assets1.3427%2,280
Return on Equity (ROE)8.6968%2,948
Retained earnings to average equity (ytd only)6.8225%2,110
Net charge-offs to loans-0.0256%4,589
Credit loss provision to net charge-offs-212.1212%3,654
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.3756%2,135
Assets per employee ($millions)4.9360%2,606
Cash dividends to net income (ytd only)*21.5517%2,430
Condition Ratios (%)
Loss allowance to loans0.6278%4,888
Loan loss allowance to noncurrent loans63.0995%4,012
Noncurrent assets plus other real estate owned to assets0.8471%1,675
Noncurrent loans to loans0.9949%1,683
Net loans and leases to total assets74.7155%1,685
Net loans and leases to deposits97.4369%847
Net loans and leases to core deposits108.4257%1,032
Total domestic deposits to total assets76.6810%4,685
Equity capital to assets12.1586%1,929
Core capital (leverage) ratio12.6874%1,409
Tier 1 risk-based capital ratio16.4874%2,273
Total risk-based capital ratio17.1224%2,433
Memoranda:
Average total assets$694,133,5001,087
Average earning assets$630,082,5001,096
Average equity$85,364,5001,011
Average total loans$514,634,0001,045
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5967%336
Cost of funding earning assets0.8060%1,494
Net interest margin4.7907%403
Noninterest income to average assets0.4697%2,998
Noninterest expense to average assets3.6110%860
Loan and lease loss provision to assets0.0278%3,619
Net operating income to assets0.9492%3,235
Return on assets (ROA)0.9483%3,238
Pretax return on assets1.1706%3,012
Return on Equity (ROE)8.3390%3,304
Retained earnings to average equity (ytd only)6.3827%1,983
Net charge-offs to loans0.0860%1,921
Credit loss provision to net charge-offs44.0529%3,242
Earnings coverage of net charge-offs (x)18.9912%2,094
Efficiency ratio75.0643%1,486
Assets per employee ($millions)4.1820%3,637
Cash dividends to net income (ytd only)*23.4595%3,342
Condition Ratios (%)
Loss allowance to loans0.6572%4,888
Loan loss allowance to noncurrent loans139.5708%2,843
Noncurrent assets plus other real estate owned to assets0.4611%2,720
Noncurrent loans to loans0.4709%2,861
Net loans and leases to total assets72.5620%2,164
Net loans and leases to deposits92.4772%1,479
Net loans and leases to core deposits103.0608%1,503
Total domestic deposits to total assets78.4647%4,411
Equity capital to assets12.4442%1,611
Core capital (leverage) ratio12.0279%1,718
Tier 1 risk-based capital ratio17.2759%1,960
Total risk-based capital ratio17.9318%2,122
Memoranda:
Average total assets$718,770,4001,037
Average earning assets$651,279,6001,053
Average equity$81,736,6001,007
Average total loans$528,165,000994
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4948%364
Cost of funding earning assets0.7566%1,557
Net interest margin4.7382%433
Noninterest income to average assets0.4480%3,182
Noninterest expense to average assets3.4736%1,016
Loan and lease loss provision to assets0.0366%3,273
Net operating income to assets0.9790%3,181
Return on assets (ROA)0.9785%3,195
Pretax return on assets1.2373%2,856
Return on Equity (ROE)8.7978%3,190
Retained earnings to average equity (ytd only)6.8265%2,216
Net charge-offs to loans0.0805%1,717
Credit loss provision to net charge-offs61.7284%2,726
Earnings coverage of net charge-offs (x)21.5092%1,918
Efficiency ratio73.1590%1,709
Assets per employee ($millions)4.3700%3,330
Cash dividends to net income (ytd only)*22.4071%2,908
Condition Ratios (%)
Loss allowance to loans0.6758%4,921
Loan loss allowance to noncurrent loans137.8158%2,916
Noncurrent assets plus other real estate owned to assets0.4933%2,723
Noncurrent loans to loans0.4904%2,915
Net loans and leases to total assets70.2085%2,614
Net loans and leases to deposits95.8505%1,174
Net loans and leases to core deposits106.9541%1,232
Total domestic deposits to total assets73.2479%5,042
Equity capital to assets11.7103%2,093
Core capital (leverage) ratio11.9160%1,831
Tier 1 risk-based capital ratio16.4848%2,277
Total risk-based capital ratio17.1439%2,419
Memoranda:
Average total assets$729,093,2501,017
Average earning assets$661,672,2501,037
Average equity$81,094,0001,012
Average total loans$536,495,250973
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3890%396
Cost of funding earning assets0.7199%1,523
Net interest margin4.6690%478
Noninterest income to average assets0.4393%3,223
Noninterest expense to average assets3.4890%1,008
Loan and lease loss provision to assets0.0543%2,821
Net operating income to assets0.8928%3,485
Return on assets (ROA)0.8941%3,492
Pretax return on assets1.1351%3,183
Return on Equity (ROE)8.1773%3,429
Retained earnings to average equity (ytd only)6.1895%2,463
Net charge-offs to loans0.1054%1,305
Credit loss provision to net charge-offs69.2042%2,358
Earnings coverage of net charge-offs (x)15.1280%2,063
Efficiency ratio74.6021%1,625
Assets per employee ($millions)4.3255%3,393
Cash dividends to net income (ytd only)*24.3087%2,845
Condition Ratios (%)
Loss allowance to loans0.6446%5,037
Loan loss allowance to noncurrent loans123.8043%3,080
Noncurrent assets plus other real estate owned to assets0.5290%2,647
Noncurrent loans to loans0.5206%2,859
Net loans and leases to total assets73.3553%2,064
Net loans and leases to deposits101.8829%673
Net loans and leases to core deposits113.6067%809
Total domestic deposits to total assets71.9996%5,183
Equity capital to assets11.3582%2,304
Core capital (leverage) ratio11.5626%2,021
Tier 1 risk-based capital ratio15.4223%2,677
Total risk-based capital ratio16.0578%2,892
Memoranda:
Average total assets$736,145,0001,014
Average earning assets$668,107,6701,038
Average equity$80,491,3301,018
Average total loans$548,522,000962
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2556%442
Cost of funding earning assets0.6696%1,606
Net interest margin4.5859%519
Noninterest income to average assets0.3940%3,512
Noninterest expense to average assets3.4117%1,147
Loan and lease loss provision to assets0.0859%2,080
Net operating income to assets0.8418%3,546
Return on assets (ROA)0.8422%3,556
Pretax return on assets1.0655%3,296
Return on Equity (ROE)7.8490%3,446
Retained earnings to average equity (ytd only)5.8480%2,781
Net charge-offs to loans0.0861%1,293
Credit loss provision to net charge-offs133.3333%1,310
Earnings coverage of net charge-offs (x)17.8667%1,558
Efficiency ratio74.7765%1,783
Assets per employee ($millions)4.4314%3,279
Cash dividends to net income (ytd only)*25.4939%2,269
Condition Ratios (%)
Loss allowance to loans0.6546%5,103
Loan loss allowance to noncurrent loans54.9071%4,360
Noncurrent assets plus other real estate owned to assets0.9503%1,666
Noncurrent loans to loans1.1921%1,529
Net loans and leases to total assets74.0738%1,846
Net loans and leases to deposits104.4242%456
Net loans and leases to core deposits116.0250%726
Total domestic deposits to total assets70.9355%5,332
Equity capital to assets11.0552%2,529
Core capital (leverage) ratio11.2927%2,173
Tier 1 risk-based capital ratio14.6696%3,041
Total risk-based capital ratio15.3072%3,265
Memoranda:
Average total assets$745,204,5001,010
Average earning assets$677,373,5001,028
Average equity$79,959,5001,031
Average total loans$557,719,500956
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2677%388
Cost of funding earning assets0.5729%1,799
Net interest margin4.6948%426
Noninterest income to average assets0.5518%2,708
Noninterest expense to average assets3.4656%1,093
Loan and lease loss provision to assets0.1837%1,159
Net operating income to assets0.7553%3,366
Return on assets (ROA)0.7627%3,370
Pretax return on assets1.1964%2,783
Return on Equity (ROE)7.1998%3,177
Retained earnings to average equity (ytd only)5.1539%2,028
Net charge-offs to loans0.1390%1,678
Credit loss provision to net charge-offs174.1645%1,556
Earnings coverage of net charge-offs (x)12.9756%2,432
Efficiency ratio71.6926%2,277
Assets per employee ($millions)4.8333%2,693
Cash dividends to net income (ytd only)*28.4166%3,364
Condition Ratios (%)
Loss allowance to loans0.6113%5,223
Loan loss allowance to noncurrent loans151.5125%2,783
Noncurrent assets plus other real estate owned to assets0.3614%3,417
Noncurrent loans to loans0.4034%3,318
Net loans and leases to total assets74.6478%1,817
Net loans and leases to deposits112.0821%213
Net loans and leases to core deposits125.2657%454
Total domestic deposits to total assets66.6010%5,505
Equity capital to assets10.4203%3,241
Core capital (leverage) ratio11.0286%2,313
Tier 1 risk-based capital ratio13.5974%3,574
Total risk-based capital ratio14.1902%3,843
Memoranda:
Average total assets$737,732,800999
Average earning assets$672,893,2001,007
Average equity$78,154,6001,031
Average total loans$559,656,800923
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2227%403
Cost of funding earning assets0.5567%1,838
Net interest margin4.6660%434
Noninterest income to average assets0.5917%2,526
Noninterest expense to average assets3.3234%1,290
Loan and lease loss provision to assets0.1951%982
Net operating income to assets0.8869%3,091
Return on assets (ROA)0.8973%3,097
Pretax return on assets1.3494%2,287
Return on Equity (ROE)8.4334%2,913
Retained earnings to average equity (ytd only)6.4198%2,000
Net charge-offs to loans0.1628%1,266
Credit loss provision to net charge-offs157.5847%1,621
Earnings coverage of net charge-offs (x)12.3491%2,432
Efficiency ratio68.4917%2,786
Assets per employee ($millions)4.8883%2,582
Cash dividends to net income (ytd only)*23.8773%2,991
Condition Ratios (%)
Loss allowance to loans0.5864%5,350
Loan loss allowance to noncurrent loans139.1450%2,938
Noncurrent assets plus other real estate owned to assets0.3704%3,548
Noncurrent loans to loans0.4214%3,440
Net loans and leases to total assets75.7568%1,627
Net loans and leases to deposits113.2373%198
Net loans and leases to core deposits126.1329%406
Total domestic deposits to total assets66.9009%5,566
Equity capital to assets10.7738%3,092
Core capital (leverage) ratio11.1307%2,344
Tier 1 risk-based capital ratio13.7798%3,533
Total risk-based capital ratio14.3508%3,851
Memoranda:
Average total assets$731,251,7501,009
Average earning assets$667,710,5001,024
Average equity$77,799,5001,039
Average total loans$556,181,250927
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0994%473
Cost of funding earning assets0.5309%1,905
Net interest margin4.5685%501
Noninterest income to average assets0.6536%2,189
Noninterest expense to average assets3.3602%1,254
Loan and lease loss provision to assets0.1100%1,855
Net operating income to assets0.9016%2,904
Return on assets (ROA)0.9003%2,966
Pretax return on assets1.3534%2,196
Return on Equity (ROE)8.4985%2,778
Retained earnings to average equity (ytd only)6.5517%1,814
Net charge-offs to loans0.0177%2,892
Credit loss provision to net charge-offs816.3265%455
Earnings coverage of net charge-offs (x)108.7551%615
Efficiency ratio69.6336%2,744
Assets per employee ($millions)4.5956%2,955
Cash dividends to net income (ytd only)*22.9078%3,009
Condition Ratios (%)
Loss allowance to loans0.5670%5,431
Loan loss allowance to noncurrent loans278.4380%1,676
Noncurrent assets plus other real estate owned to assets0.2087%4,339
Noncurrent loans to loans0.2036%4,303
Net loans and leases to total assets77.7407%1,280
Net loans and leases to deposits115.7931%160
Net loans and leases to core deposits129.2892%320
Total domestic deposits to total assets67.1376%5,616
Equity capital to assets10.6534%3,169
Core capital (leverage) ratio11.2504%2,180
Tier 1 risk-based capital ratio13.4092%3,744
Total risk-based capital ratio13.9666%4,084
Memoranda:
Average total assets$727,329,6701,020
Average earning assets$664,194,3301,026
Average equity$77,049,0001,055
Average total loans$552,839,330933
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9977%531
Cost of funding earning assets0.5252%1,899
Net interest margin4.4725%553
Noninterest income to average assets0.7938%1,576
Noninterest expense to average assets3.4123%1,173
Loan and lease loss provision to assets0.0499%2,810
Net operating income to assets0.9390%2,563
Return on assets (ROA)0.9364%2,635
Pretax return on assets1.4091%1,856
Return on Equity (ROE)8.8654%2,477
Retained earnings to average equity (ytd only)6.8959%1,889
Net charge-offs to loans-0.0044%4,149
Credit loss provision to net charge-offs-1,500.0000%4,497
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.9932%2,893
Assets per employee ($millions)4.6778%2,878
Cash dividends to net income (ytd only)*22.2156%2,483
Condition Ratios (%)
Loss allowance to loans0.5920%5,490
Loan loss allowance to noncurrent loans288.6450%1,662
Noncurrent assets plus other real estate owned to assets0.2028%4,428
Noncurrent loans to loans0.2051%4,382
Net loans and leases to total assets72.3956%2,018
Net loans and leases to deposits104.7483%370
Net loans and leases to core deposits115.3699%616
Total domestic deposits to total assets69.1139%5,654
Equity capital to assets10.9633%2,667
Core capital (leverage) ratio10.8833%2,501
Tier 1 risk-based capital ratio14.7973%3,068
Total risk-based capital ratio15.3734%3,323
Memoranda:
Average total assets$721,046,0001,031
Average earning assets$657,977,0001,033
Average equity$76,161,5001,063
Average total loans$540,018,500949
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2360%392
Cost of funding earning assets0.4647%2,400
Net interest margin4.7712%370
Noninterest income to average assets0.5465%2,934
Noninterest expense to average assets3.3994%1,359
Loan and lease loss provision to assets0.0908%2,541
Net operating income to assets0.9504%2,582
Return on assets (ROA)0.9796%2,546
Pretax return on assets1.4830%1,647
Return on Equity (ROE)9.7282%2,089
Retained earnings to average equity (ytd only)7.8263%915
Net charge-offs to loans0.1248%2,000
Credit loss provision to net charge-offs92.8571%2,749
Earnings coverage of net charge-offs (x)15.6373%2,189
Efficiency ratio68.9680%3,080
Assets per employee ($millions)4.6862%2,810
Cash dividends to net income (ytd only)*19.5497%3,741
Condition Ratios (%)
Loss allowance to loans0.5147%5,644
Loan loss allowance to noncurrent loans373.5969%1,346
Noncurrent assets plus other real estate owned to assets0.1594%4,683
Noncurrent loans to loans0.1378%4,678
Net loans and leases to total assets76.4570%1,440
Net loans and leases to deposits117.1005%118
Net loans and leases to core deposits129.1442%296
Total domestic deposits to total assets65.2918%5,771
Equity capital to assets10.1829%3,502
Core capital (leverage) ratio10.3753%3,022
Tier 1 risk-based capital ratio13.0260%4,055
Total risk-based capital ratio13.5255%4,401
Memoranda:
Average total assets$729,957,400986
Average earning assets$670,477,000990
Average equity$73,508,2001,078
Average total loans$571,945,600868
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1888%431
Cost of funding earning assets0.4540%2,521
Net interest margin4.7348%409
Noninterest income to average assets0.5345%3,018
Noninterest expense to average assets3.3473%1,461
Loan and lease loss provision to assets0.0785%2,654
Net operating income to assets0.9684%2,577
Return on assets (ROA)1.0075%2,533
Pretax return on assets1.5233%1,636
Return on Equity (ROE)10.0332%2,039
Retained earnings to average equity (ytd only)8.1200%1,125
Net charge-offs to loans0.1655%1,382
Credit loss provision to net charge-offs60.1969%2,906
Earnings coverage of net charge-offs (x)11.8354%2,441
Efficiency ratio68.4536%3,146
Assets per employee ($millions)4.9291%2,456
Cash dividends to net income (ytd only)*19.0684%3,274
Condition Ratios (%)
Loss allowance to loans0.4157%5,790
Loan loss allowance to noncurrent loans185.6749%2,379
Noncurrent assets plus other real estate owned to assets0.2358%4,502
Noncurrent loans to loans0.2239%4,470
Net loans and leases to total assets82.4099%563
Net loans and leases to deposits131.8010%35
Net loans and leases to core deposits144.3525%159
Total domestic deposits to total assets62.5260%5,864
Equity capital to assets9.6265%4,535
Core capital (leverage) ratio10.4742%3,025
Tier 1 risk-based capital ratio11.3938%5,159
Total risk-based capital ratio11.8030%5,521
Memoranda:
Average total assets$727,340,750989
Average earning assets$669,045,500995
Average equity$73,036,0001,091
Average total loans$572,673,250866
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1603%453
Cost of funding earning assets0.4341%2,702
Net interest margin4.7262%406
Noninterest income to average assets0.5070%3,147
Noninterest expense to average assets3.3570%1,466
Loan and lease loss provision to assets0.0785%2,579
Net operating income to assets0.9345%2,706
Return on assets (ROA)0.9947%2,557
Pretax return on assets1.5079%1,648
Return on Equity (ROE)9.7573%2,157
Retained earnings to average equity (ytd only)7.8219%1,235
Net charge-offs to loans0.2324%1,013
Credit loss provision to net charge-offs43.7107%2,736
Earnings coverage of net charge-offs (x)8.3286%2,524
Efficiency ratio69.1856%3,119
Assets per employee ($millions)4.7061%2,703
Cash dividends to net income (ytd only)*19.8354%3,204
Condition Ratios (%)
Loss allowance to loans0.4470%5,848
Loan loss allowance to noncurrent loans106.9767%3,570
Noncurrent assets plus other real estate owned to assets0.3968%3,906
Noncurrent loans to loans0.4179%3,857
Net loans and leases to total assets79.5350%980
Net loans and leases to deposits119.0925%110
Net loans and leases to core deposits129.7931%308
Total domestic deposits to total assets66.7842%5,871
Equity capital to assets10.0583%4,154
Core capital (leverage) ratio10.4295%3,045
Tier 1 risk-based capital ratio12.3045%4,644
Total risk-based capital ratio12.7438%5,046
Memoranda:
Average total assets$708,548,0001,015
Average earning assets$651,438,3301,017
Average equity$72,233,0001,104
Average total loans$547,378,330899
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0177%559
Cost of funding earning assets0.4222%2,840
Net interest margin4.5955%505
Noninterest income to average assets0.4640%3,387
Noninterest expense to average assets3.2167%1,802
Loan and lease loss provision to assets0.0437%3,048
Net operating income to assets0.9554%2,488
Return on assets (ROA)0.9889%2,441
Pretax return on assets1.4776%1,665
Return on Equity (ROE)9.6321%2,144
Retained earnings to average equity (ytd only)7.6777%1,598
Net charge-offs to loans0.4699%474
Credit loss provision to net charge-offs12.2581%2,350
Earnings coverage of net charge-offs (x)4.1274%2,463
Efficiency ratio68.6166%3,359
Assets per employee ($millions)4.6368%2,843
Cash dividends to net income (ytd only)*20.2907%2,555
Condition Ratios (%)
Loss allowance to loans0.4578%5,904
Loan loss allowance to noncurrent loans76.7559%4,161
Noncurrent assets plus other real estate owned to assets0.4672%3,728
Noncurrent loans to loans0.5965%3,392
Net loans and leases to total assets75.6766%1,439
Net loans and leases to deposits106.0701%340
Net loans and leases to core deposits115.8157%600
Total domestic deposits to total assets71.3458%5,807
Equity capital to assets10.3356%3,699
Core capital (leverage) ratio10.8651%2,554
Tier 1 risk-based capital ratio13.0729%4,218
Total risk-based capital ratio13.5154%4,645
Memoranda:
Average total assets$695,742,5001,032
Average earning assets$639,493,5001,027
Average equity$71,427,5001,108
Average total loans$527,800,000930
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9859%643
Cost of funding earning assets0.3888%3,276
Net interest margin4.5972%550
Noninterest income to average assets0.4630%3,577
Noninterest expense to average assets3.0817%2,291
Loan and lease loss provision to assets0.0307%3,755
Net operating income to assets1.0686%2,049
Return on assets (ROA)1.0738%2,099
Pretax return on assets1.6099%1,219
Return on Equity (ROE)11.8709%1,336
Retained earnings to average equity (ytd only)10.0987%452
Net charge-offs to loans0.0269%3,691
Credit loss provision to net charge-offs149.6732%1,777
Earnings coverage of net charge-offs (x)79.4902%705
Efficiency ratio65.3662%4,013
Assets per employee ($millions)4.8009%2,601
Cash dividends to net income (ytd only)*14.9287%3,947
Condition Ratios (%)
Loss allowance to loans0.5695%5,837
Loan loss allowance to noncurrent loans68.6162%4,419
Noncurrent assets plus other real estate owned to assets0.6544%3,081
Noncurrent loans to loans0.8299%2,716
Net loans and leases to total assets75.2650%1,528
Net loans and leases to deposits106.6346%338
Net loans and leases to core deposits116.5198%589
Total domestic deposits to total assets70.5822%5,869
Equity capital to assets10.1963%3,754
Core capital (leverage) ratio11.1559%2,260
Tier 1 risk-based capital ratio13.0146%4,300
Total risk-based capital ratio13.5637%4,645
Memoranda:
Average total assets$744,844,600925
Average earning assets$688,837,400927
Average equity$67,374,8001,127
Average total loans$567,995,200826
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0155%597
Cost of funding earning assets0.3861%3,380
Net interest margin4.6294%519
Noninterest income to average assets0.5094%3,303
Noninterest expense to average assets2.9452%2,687
Loan and lease loss provision to assets0.0375%3,463
Net operating income to assets1.2128%1,607
Return on assets (ROA)1.2128%1,674
Pretax return on assets1.8149%873
Return on Equity (ROE)13.8083%941
Retained earnings to average equity (ytd only)12.0164%366
Net charge-offs to loans0.0366%3,168
Credit loss provision to net charge-offs133.9623%1,835
Earnings coverage of net charge-offs (x)66.2530%844
Efficiency ratio61.3899%4,664
Assets per employee ($millions)4.9858%2,314
Cash dividends to net income (ytd only)*12.9766%3,487
Condition Ratios (%)
Loss allowance to loans0.5752%5,930
Loan loss allowance to noncurrent loans63.7088%4,578
Noncurrent assets plus other real estate owned to assets0.6983%3,160
Noncurrent loans to loans0.9029%2,717
Net loans and leases to total assets72.7313%1,948
Net loans and leases to deposits102.5706%515
Net loans and leases to core deposits110.5216%850
Total domestic deposits to total assets70.9085%5,928
Equity capital to assets9.9462%4,229
Core capital (leverage) ratio10.1627%3,424
Tier 1 risk-based capital ratio13.2394%4,295
Total risk-based capital ratio13.8002%4,622
Memoranda:
Average total assets$758,222,750916
Average earning assets$702,337,250913
Average equity$66,596,0001,142
Average total loans$579,166,250811
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8900%750
Cost of funding earning assets0.3817%3,466
Net interest margin4.5083%631
Noninterest income to average assets0.5181%3,241
Noninterest expense to average assets2.8528%3,058
Loan and lease loss provision to assets0.0265%3,608
Net operating income to assets1.2219%1,537
Return on assets (ROA)1.2219%1,613
Pretax return on assets1.8300%847
Return on Equity (ROE)14.4913%824
Retained earnings to average equity (ytd only)12.6680%335
Net charge-offs to loans0.0566%2,597
Credit loss provision to net charge-offs60.5882%2,585
Earnings coverage of net charge-offs (x)42.4059%1,088
Efficiency ratio60.5786%4,898
Assets per employee ($millions)5.8659%1,453
Cash dividends to net income (ytd only)*12.5817%3,400
Condition Ratios (%)
Loss allowance to loans0.4536%6,128
Loan loss allowance to noncurrent loans119.0017%3,297
Noncurrent assets plus other real estate owned to assets0.3363%4,531
Noncurrent loans to loans0.3812%4,342
Net loans and leases to total assets76.3579%1,323
Net loans and leases to deposits122.8357%74
Net loans and leases to core deposits132.1210%242
Total domestic deposits to total assets62.1626%6,228
Equity capital to assets8.2858%5,839
Core capital (leverage) ratio9.2309%4,647
Tier 1 risk-based capital ratio10.6694%5,853
Total risk-based capital ratio11.1147%6,078
Memoranda:
Average total assets$776,632,670898
Average earning assets$722,006,000896
Average equity$65,487,6701,173
Average total loans$600,803,670783
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7307%984
Cost of funding earning assets0.3963%3,348
Net interest margin4.3344%822
Noninterest income to average assets0.4500%3,636
Noninterest expense to average assets2.8011%3,251
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets1.1219%1,790
Return on assets (ROA)1.1219%1,895
Pretax return on assets1.6813%1,086
Return on Equity (ROE)13.1819%1,038
Retained earnings to average equity (ytd only)13.1819%424
Net charge-offs to loans0.0421%2,391
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)51.3387%823
Efficiency ratio62.4912%4,708
Assets per employee ($millions)5.5150%1,783
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.4336%6,216
Loan loss allowance to noncurrent loans79.6525%4,183
Noncurrent assets plus other real estate owned to assets0.4830%4,097
Noncurrent loans to loans0.5444%3,952
Net loans and leases to total assets79.9536%688
Net loans and leases to deposits122.7694%66
Net loans and leases to core deposits133.5345%211
Total domestic deposits to total assets65.1250%6,255
Equity capital to assets8.0657%5,999
Core capital (leverage) ratio9.3268%4,529
Tier 1 risk-based capital ratio9.9094%6,191
Total risk-based capital ratio10.3365%6,301
Memoranda:
Average total assets$757,267,500917
Average earning assets$704,511,500911
Average equity$64,452,0001,186
Average total loans$588,490,000796
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3611%407
Cost of funding earning assets0.5656%2,085
Net interest margin4.7954%439
Noninterest income to average assets0.5656%3,084
Noninterest expense to average assets3.6393%1,234
Loan and lease loss provision to assets0.1144%2,260
Net operating income to assets0.8500%3,118
Return on assets (ROA)0.8500%3,217
Pretax return on assets1.2603%2,390
Return on Equity (ROE)10.4881%1,910
Retained earnings to average equity (ytd only)8.0678%995
Net charge-offs to loans0.0585%3,668
Credit loss provision to net charge-offs259.2593%990
Earnings coverage of net charge-offs (x)31.1481%1,299
Efficiency ratio72.5826%3,108
Assets per employee ($millions)4.1580%3,619
Cash dividends to net income (ytd only)*23.0769%3,695
Condition Ratios (%)
Loss allowance to loans0.5858%6,159
Loan loss allowance to noncurrent loans400.0000%1,277
Noncurrent assets plus other real estate owned to assets0.1934%5,255
Noncurrent loans to loans0.1465%5,307
Net loans and leases to total assets76.8988%1,143
Net loans and leases to deposits89.2705%1,590
Net loans and leases to core deposits93.9643%1,928
Total domestic deposits to total assets86.1414%2,758
Equity capital to assets8.2344%5,942
Core capital (leverage) ratio8.3128%5,763
Tier 1 risk-based capital ratio11.0222%5,897
Total risk-based capital ratio11.6287%6,097
Memoranda:
Average total assets$305,885,8002,126
Average earning assets$283,749,4002,098
Average equity$24,790,0002,688
Average total loans$230,827,8001,822
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2757%455
Cost of funding earning assets0.5848%1,975
Net interest margin4.6910%511
Noninterest income to average assets0.5973%2,892
Noninterest expense to average assets3.3588%1,769
Loan and lease loss provision to assets0.1428%1,758
Net operating income to assets0.9709%2,590
Return on assets (ROA)0.9709%2,660
Pretax return on assets1.4429%1,835
Return on Equity (ROE)12.0302%1,469
Retained earnings to average equity (ytd only)9.5795%817
Net charge-offs to loans0.0780%3,087
Credit loss provision to net charge-offs244.3609%1,074
Earnings coverage of net charge-offs (x)27.1277%1,462
Efficiency ratio67.9289%3,868
Assets per employee ($millions)4.3194%3,262
Cash dividends to net income (ytd only)*20.3714%3,192
Condition Ratios (%)
Loss allowance to loans0.5799%6,253
Loan loss allowance to noncurrent loans958.5034%583
Noncurrent assets plus other real estate owned to assets0.4061%4,706
Noncurrent loans to loans0.0605%5,773
Net loans and leases to total assets77.6803%994
Net loans and leases to deposits90.3448%1,391
Net loans and leases to core deposits95.6484%1,705
Total domestic deposits to total assets85.9821%2,851
Equity capital to assets8.2259%5,996
Core capital (leverage) ratio8.3355%5,819
Tier 1 risk-based capital ratio10.7878%6,097
Total risk-based capital ratio11.3773%6,281
Memoranda:
Average total assets$303,356,0002,152
Average earning assets$281,129,2502,132
Average equity$24,482,2502,717
Average total loans$227,425,7501,852
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1440%564
Cost of funding earning assets0.6025%1,879
Net interest margin4.5415%648
Noninterest income to average assets0.6343%2,639
Noninterest expense to average assets3.3530%1,797
Loan and lease loss provision to assets0.1662%1,476
Net operating income to assets0.8856%2,884
Return on assets (ROA)0.8856%2,973
Pretax return on assets1.3151%2,199
Return on Equity (ROE)11.0468%1,726
Retained earnings to average equity (ytd only)8.5588%1,128
Net charge-offs to loans0.1260%2,409
Credit loss provision to net charge-offs178.5714%1,275
Earnings coverage of net charge-offs (x)15.9143%1,824
Efficiency ratio69.3577%3,767
Assets per employee ($millions)4.2376%3,399
Cash dividends to net income (ytd only)*22.5225%3,089
Condition Ratios (%)
Loss allowance to loans0.5289%6,386
Loan loss allowance to noncurrent loans123.4419%3,135
Noncurrent assets plus other real estate owned to assets0.7146%3,841
Noncurrent loans to loans0.4285%4,706
Net loans and leases to total assets79.5810%733
Net loans and leases to deposits96.0739%798
Net loans and leases to core deposits102.0608%1,130
Total domestic deposits to total assets82.8330%4,369
Equity capital to assets7.9379%6,185
Core capital (leverage) ratio8.3782%5,762
Tier 1 risk-based capital ratio10.4594%6,261
Total risk-based capital ratio11.0133%6,438
Memoranda:
Average total assets$300,809,6702,168
Average earning assets$278,187,0002,153
Average equity$24,115,6702,744
Average total loans$222,237,3301,885
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0637%637
Cost of funding earning assets0.6302%1,731
Net interest margin4.4335%750
Noninterest income to average assets0.4864%3,517
Noninterest expense to average assets3.4141%1,662
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.7839%3,232
Return on assets (ROA)0.7839%3,313
Pretax return on assets1.1630%2,647
Return on Equity (ROE)9.7271%2,142
Retained earnings to average equity (ytd only)7.1984%1,939
Net charge-offs to loans0.0058%3,538
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)285.3333%167
Efficiency ratio74.5919%3,033
Assets per employee ($millions)4.2397%3,457
Cash dividends to net income (ytd only)*25.9965%2,393
Condition Ratios (%)
Loss allowance to loans0.5747%6,438
Loan loss allowance to noncurrent loans610.0503%787
Noncurrent assets plus other real estate owned to assets0.4236%4,864
Noncurrent loans to loans0.0942%5,842
Net loans and leases to total assets68.8006%2,092
Net loans and leases to deposits80.1941%2,268
Net loans and leases to core deposits85.3465%2,387
Total domestic deposits to total assets85.7926%3,473
Equity capital to assets7.9065%6,117
Core capital (leverage) ratio8.2276%5,917
Tier 1 risk-based capital ratio12.3651%5,400
Total risk-based capital ratio12.9790%5,738
Memoranda:
Average total assets$294,422,0002,204
Average earning assets$271,659,5002,207
Average equity$23,727,5002,777
Average total loans$207,915,5001,988
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0653%156
Cost of funding earning assets0.7223%1,664
Net interest margin5.3430%173
Noninterest income to average assets0.5891%3,157
Noninterest expense to average assets3.5973%1,454
Loan and lease loss provision to assets0.0205%4,725
Net operating income to assets1.2198%1,493
Return on assets (ROA)1.2198%1,563
Pretax return on assets1.8366%691
Return on Equity (ROE)14.7090%813
Retained earnings to average equity (ytd only)11.7980%335
Net charge-offs to loans0.0599%4,379
Credit loss provision to net charge-offs43.7500%3,964
Earnings coverage of net charge-offs (x)39.7266%961
Efficiency ratio65.9525%4,570
Assets per employee ($millions)4.0513%3,760
Cash dividends to net income (ytd only)*19.7904%3,728
Condition Ratios (%)
Loss allowance to loans0.5948%6,479
Loan loss allowance to noncurrent loans765.4088%655
Noncurrent assets plus other real estate owned to assets0.5963%4,451
Noncurrent loans to loans0.0777%5,984
Net loans and leases to total assets71.7174%1,730
Net loans and leases to deposits84.5052%1,867
Net loans and leases to core deposits90.8629%1,920
Total domestic deposits to total assets84.8675%3,820
Equity capital to assets8.2232%5,852
Core capital (leverage) ratio8.5932%5,554
Tier 1 risk-based capital ratio12.1627%5,518
Total risk-based capital ratio12.7788%5,830
Memoranda:
Average total assets$273,816,8002,317
Average earning assets$249,337,2002,332
Average equity$22,707,2002,859
Average total loans$213,590,4001,904
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3496%112
Cost of funding earning assets0.7380%1,679
Net interest margin5.6116%117
Noninterest income to average assets0.6515%2,880
Noninterest expense to average assets3.6146%1,372
Loan and lease loss provision to assets0.0275%4,458
Net operating income to assets1.4027%1,096
Return on assets (ROA)1.4027%1,144
Pretax return on assets2.1048%465
Return on Equity (ROE)16.8776%552
Retained earnings to average equity (ytd only)13.8568%258
Net charge-offs to loans0.0507%4,184
Credit loss provision to net charge-offs68.2927%3,100
Earnings coverage of net charge-offs (x)52.9271%831
Efficiency ratio62.8965%5,002
Assets per employee ($millions)3.8058%4,225
Cash dividends to net income (ytd only)*17.8985%3,171
Condition Ratios (%)
Loss allowance to loans0.6829%6,461
Loan loss allowance to noncurrent loans235.1955%1,728
Noncurrent assets plus other real estate owned to assets0.6496%4,489
Noncurrent loans to loans0.2903%5,505
Net loans and leases to total assets67.0390%2,449
Net loans and leases to deposits79.8995%2,428
Net loans and leases to core deposits85.4766%2,470
Total domestic deposits to total assets83.9042%4,231
Equity capital to assets8.5050%5,736
Core capital (leverage) ratio8.6796%5,565
Tier 1 risk-based capital ratio18.3456%2,199
Total risk-based capital ratio19.3237%2,260
Memoranda:
Average total assets$271,374,0002,349
Average earning assets$246,412,7502,377
Average equity$22,554,0002,897
Average total loans$215,838,2501,895
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7270%77
Cost of funding earning assets0.7279%1,861
Net interest margin5.9990%81
Noninterest income to average assets0.6699%2,794
Noninterest expense to average assets3.5579%1,485
Loan and lease loss provision to assets0.0414%4,123
Net operating income to assets1.6688%662
Return on assets (ROA)1.6688%725
Pretax return on assets2.5058%270
Return on Equity (ROE)20.2388%287
Retained earnings to average equity (ytd only)17.9970%125
Net charge-offs to loans0.0867%3,500
Credit loss provision to net charge-offs57.1429%3,069
Earnings coverage of net charge-offs (x)35.1531%1,026
Efficiency ratio58.2778%5,696
Assets per employee ($millions)4.1250%3,523
Cash dividends to net income (ytd only)*11.0767%3,280
Condition Ratios (%)
Loss allowance to loans0.5192%6,689
Loan loss allowance to noncurrent loans177.6353%2,195
Noncurrent assets plus other real estate owned to assets0.6110%4,718
Noncurrent loans to loans0.2923%5,566
Net loans and leases to total assets83.9414%241
Net loans and leases to deposits110.7542%131
Net loans and leases to core deposits118.8226%335
Total domestic deposits to total assets75.7907%6,268
Equity capital to assets8.0794%6,145
Core capital (leverage) ratio8.7519%5,356
Tier 1 risk-based capital ratio14.8310%3,889
Total risk-based capital ratio15.6230%4,134
Memoranda:
Average total assets$270,493,6702,369
Average earning assets$245,072,3302,401
Average equity$22,303,6702,953
Average total loans$226,131,0001,819
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0690%57
Cost of funding earning assets0.7510%1,841
Net interest margin6.3180%61
Noninterest income to average assets0.7440%2,359
Noninterest expense to average assets3.5608%1,496
Loan and lease loss provision to assets0.0228%4,179
Net operating income to assets1.9709%358
Return on assets (ROA)1.9709%388
Pretax return on assets2.8577%181
Return on Equity (ROE)23.6457%148
Retained earnings to average equity (ytd only)19.8019%149
Net charge-offs to loans0.2720%1,869
Credit loss provision to net charge-offs10.0671%3,142
Earnings coverage of net charge-offs (x)12.7315%1,575
Efficiency ratio55.2805%6,128
Assets per employee ($millions)4.0324%3,878
Cash dividends to net income (ytd only)*16.2558%2,366
Condition Ratios (%)
Loss allowance to loans0.4944%6,794
Loan loss allowance to noncurrent loans491.4894%872
Noncurrent assets plus other real estate owned to assets0.5901%4,914
Noncurrent loans to loans0.1006%6,179
Net loans and leases to total assets83.5510%209
Net loans and leases to deposits107.2521%179
Net loans and leases to core deposits114.9676%371
Total domestic deposits to total assets77.9015%6,121
Equity capital to assets8.0823%6,339
Core capital (leverage) ratio8.4899%5,612
Tier 1 risk-based capital ratio15.2083%3,703
Total risk-based capital ratio15.9912%3,972
Memoranda:
Average total assets$263,427,5002,455
Average earning assets$237,544,0002,492
Average equity$21,957,5003,030
Average total loans$219,113,5001,873
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3857%147
Cost of funding earning assets0.8217%2,493
Net interest margin5.5641%154
Noninterest income to average assets0.5870%3,351
Noninterest expense to average assets3.4380%1,971
Loan and lease loss provision to assets0.0120%5,764
Net operating income to assets1.4306%1,047
Return on assets (ROA)1.4711%1,082
Pretax return on assets2.2040%408
Return on Equity (ROE)18.7287%380
Retained earnings to average equity (ytd only)17.0030%92
Net charge-offs to loans0.0314%5,472
Credit loss provision to net charge-offs46.1538%4,780
Earnings coverage of net charge-offs (x)82.9385%465
Efficiency ratio61.4626%5,320
Assets per employee ($millions)3.9463%4,051
Cash dividends to net income (ytd only)*9.2145%4,091
Condition Ratios (%)
Loss allowance to loans0.6300%6,720
Loan loss allowance to noncurrent loans537.0833%773
Noncurrent assets plus other real estate owned to assets0.6544%4,835
Noncurrent loans to loans0.1173%6,191
Net loans and leases to total assets81.7773%339
Net loans and leases to deposits97.8200%519
Net loans and leases to core deposits104.5332%760
Total domestic deposits to total assets83.5998%4,498
Equity capital to assets8.6184%5,950
Core capital (leverage) ratio8.0991%6,091
Tier 1 risk-based capital ratio16.4921%2,898
Total risk-based capital ratio17.4879%2,986
Memoranda:
Average total assets$250,087,0002,530
Average earning assets$225,033,8002,570
Average equity$19,643,6003,238
Average total loans$207,171,0001,946
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0811%257
Cost of funding earning assets0.8171%2,803
Net interest margin5.2640%265
Noninterest income to average assets0.5851%3,382
Noninterest expense to average assets3.3251%2,206
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.3354%1,363
Return on assets (ROA)1.3751%1,415
Pretax return on assets2.0703%606
Return on Equity (ROE)17.9391%506
Retained earnings to average equity (ytd only)15.8556%198
Net charge-offs to loans0.0346%5,160
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)69.9242%587
Efficiency ratio62.3229%5,101
Assets per employee ($millions)4.3379%3,195
Cash dividends to net income (ytd only)*11.6144%3,370
Condition Ratios (%)
Loss allowance to loans0.5368%6,933
Loan loss allowance to noncurrent loans705.5556%581
Noncurrent assets plus other real estate owned to assets0.6157%5,133
Noncurrent loans to loans0.0761%6,429
Net loans and leases to total assets83.4500%254
Net loans and leases to deposits114.2356%107
Net loans and leases to core deposits120.9129%292
Total domestic deposits to total assets73.0508%6,674
Equity capital to assets7.2417%6,834
Core capital (leverage) ratio8.1158%6,217
Tier 1 risk-based capital ratio14.2000%4,381
Total risk-based capital ratio15.0888%4,620
Memoranda:
Average total assets$250,454,0002,550
Average earning assets$226,005,5002,576
Average equity$19,197,7503,330
Average total loans$207,813,0001,959
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0774%264
Cost of funding earning assets0.8690%2,665
Net interest margin5.2084%282
Noninterest income to average assets0.5476%3,591
Noninterest expense to average assets3.4074%2,015
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.1983%1,728
Return on assets (ROA)1.2011%1,909
Pretax return on assets1.8204%1,001
Return on Equity (ROE)15.3374%880
Retained earnings to average equity (ytd only)13.2087%417
Net charge-offs to loans-0.0010%6,079
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2306%4,683
Assets per employee ($millions)3.8125%4,281
Cash dividends to net income (ytd only)*13.8793%3,192
Condition Ratios (%)
Loss allowance to loans0.6564%6,874
Loan loss allowance to noncurrent loans2,500.0000%203
Noncurrent assets plus other real estate owned to assets0.9619%4,447
Noncurrent loans to loans0.0263%6,627
Net loans and leases to total assets82.1808%329
Net loans and leases to deposits109.0807%163
Net loans and leases to core deposits115.2061%417
Total domestic deposits to total assets75.3394%6,552
Equity capital to assets7.9561%6,591
Core capital (leverage) ratio8.7437%5,307
Tier 1 risk-based capital ratio14.4405%4,145
Total risk-based capital ratio15.4346%4,281
Memoranda:
Average total assets$239,950,6702,657
Average earning assets$215,420,6702,698
Average equity$18,790,6703,382
Average total loans$198,227,6702,043
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3514%193
Cost of funding earning assets0.8943%2,736
Net interest margin5.4572%199
Noninterest income to average assets0.6321%3,045
Noninterest expense to average assets3.3792%2,059
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.4134%1,200
Return on assets (ROA)1.4189%1,329
Pretax return on assets2.1654%573
Return on Equity (ROE)18.2689%520
Retained earnings to average equity (ytd only)16.1043%355
Net charge-offs to loans0.0102%4,580
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)256.6000%139
Efficiency ratio61.0386%5,450
Assets per employee ($millions)3.6662%4,728
Cash dividends to net income (ytd only)*11.8483%2,508
Condition Ratios (%)
Loss allowance to loans0.7212%6,854
Loan loss allowance to noncurrent loans65,950.0000%5
Noncurrent assets plus other real estate owned to assets1.0535%4,385
Noncurrent loans to loans0.0011%6,811
Net loans and leases to total assets81.1877%324
Net loans and leases to deposits103.4057%273
Net loans and leases to core deposits108.3729%594
Total domestic deposits to total assets78.5138%6,183
Equity capital to assets8.4166%6,157
Core capital (leverage) ratio8.4715%5,639
Tier 1 risk-based capital ratio14.9016%3,823
Total risk-based capital ratio15.9498%3,915
Memoranda:
Average total assets$237,925,5002,694
Average earning assets$213,810,0002,726
Average equity$18,479,5003,428
Average total loans$196,418,0002,066
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9564%464
Cost of funding earning assets1.0015%3,369
Net interest margin4.9549%452
Noninterest income to average assets0.6875%2,677
Noninterest expense to average assets3.2170%2,803
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets1.3417%1,155
Return on assets (ROA)1.4018%1,113
Pretax return on assets2.0946%447
Return on Equity (ROE)17.7260%404
Retained earnings to average equity (ytd only)15.7106%105
Net charge-offs to loans-0.1257%7,159
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.6071%5,520
Assets per employee ($millions)4.9453%2,282
Cash dividends to net income (ytd only)*11.3699%3,828
Condition Ratios (%)
Loss allowance to loans0.6306%6,987
Loan loss allowance to noncurrent loans378.2857%882
Noncurrent assets plus other real estate owned to assets1.0923%4,432
Noncurrent loans to loans0.1667%6,419
Net loans and leases to total assets82.7184%289
Net loans and leases to deposits113.0165%131
Net loans and leases to core deposits117.6188%405
Total domestic deposits to total assets73.1914%6,792
Equity capital to assets7.1908%6,908
Core capital (leverage) ratio8.0625%6,190
Tier 1 risk-based capital ratio12.8613%5,187
Total risk-based capital ratio13.8070%5,390
Memoranda:
Average total assets$208,300,6002,968
Average earning assets$190,617,6002,960
Average equity$16,473,0003,654
Average total loans$164,635,0002,431
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7338%798
Cost of funding earning assets1.0434%3,366
Net interest margin4.6904%778
Noninterest income to average assets0.6757%2,738
Noninterest expense to average assets3.2041%2,820
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.2210%1,595
Return on assets (ROA)1.3081%1,447
Pretax return on assets1.9048%774
Return on Equity (ROE)16.0754%674
Retained earnings to average equity (ytd only)13.6425%319
Net charge-offs to loans0.0974%5,010
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)23.5000%1,113
Efficiency ratio64.3070%5,013
Assets per employee ($millions)4.3932%3,087
Cash dividends to net income (ytd only)*15.1344%3,118
Condition Ratios (%)
Loss allowance to loans0.5503%7,132
Loan loss allowance to noncurrent loans389.5349%833
Noncurrent assets plus other real estate owned to assets1.1846%4,418
Noncurrent loans to loans0.1413%6,589
Net loans and leases to total assets81.0583%421
Net loans and leases to deposits107.8398%212
Net loans and leases to core deposits113.0553%575
Total domestic deposits to total assets75.1655%6,622
Equity capital to assets7.6616%6,863
Core capital (leverage) ratio8.8365%5,202
Tier 1 risk-based capital ratio13.7750%4,521
Total risk-based capital ratio14.5862%4,828
Memoranda:
Average total assets$197,323,2503,105
Average earning assets$181,189,7503,095
Average equity$16,057,2503,726
Average total loans$153,306,7502,619
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6883%895
Cost of funding earning assets1.1134%3,141
Net interest margin4.5749%959
Noninterest income to average assets0.6433%2,891
Noninterest expense to average assets3.3363%2,443
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.9893%2,271
Return on assets (ROA)0.9893%2,372
Pretax return on assets1.5073%1,509
Return on Equity (ROE)11.8819%1,528
Retained earnings to average equity (ytd only)9.6126%933
Net charge-offs to loans0.1477%4,304
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)13.3962%1,551
Efficiency ratio68.8801%4,347
Assets per employee ($millions)4.1015%3,547
Cash dividends to net income (ytd only)*19.0987%2,886
Condition Ratios (%)
Loss allowance to loans0.6475%7,089
Loan loss allowance to noncurrent loans341.5541%934
Noncurrent assets plus other real estate owned to assets1.3674%4,175
Noncurrent loans to loans0.1896%6,525
Net loans and leases to total assets78.8002%670
Net loans and leases to deposits98.3947%576
Net loans and leases to core deposits102.3365%1,156
Total domestic deposits to total assets80.0858%5,800
Equity capital to assets8.2059%6,506
Core capital (leverage) ratio8.7991%5,050
Tier 1 risk-based capital ratio14.1187%4,087
Total risk-based capital ratio15.0013%4,316
Memoranda:
Average total assets$188,414,0003,246
Average earning assets$172,987,6703,224
Average equity$15,687,6703,785
Average total loans$143,536,6702,783
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7568%795
Cost of funding earning assets1.1858%2,909
Net interest margin4.5709%917
Noninterest income to average assets0.7036%2,557
Noninterest expense to average assets3.4400%2,174
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.0468%2,011
Return on assets (ROA)1.0468%2,063
Pretax return on assets1.4659%1,552
Return on Equity (ROE)12.4757%1,332
Retained earnings to average equity (ytd only)11.4663%818
Net charge-offs to loans0.2652%3,009
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)7.4176%1,950
Efficiency ratio70.1195%4,242
Assets per employee ($millions)3.7018%4,536
Cash dividends to net income (ytd only)*8.0913%2,414
Condition Ratios (%)
Loss allowance to loans0.7882%6,944
Loan loss allowance to noncurrent loans277.2973%1,096
Noncurrent assets plus other real estate owned to assets1.5069%3,995
Noncurrent loans to loans0.2843%6,420
Net loans and leases to total assets69.7701%2,175
Net loans and leases to deposits80.6853%2,573
Net loans and leases to core deposits83.8535%3,183
Total domestic deposits to total assets86.4718%3,254
Equity capital to assets8.4814%5,938
Core capital (leverage) ratio8.6499%5,170
Tier 1 risk-based capital ratio14.6106%3,669
Total risk-based capital ratio15.5557%3,825
Memoranda:
Average total assets$184,186,0003,335
Average earning assets$169,331,5003,309
Average equity$15,454,0003,820
Average total loans$137,232,5002,938
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5057%316
Cost of funding earning assets1.4444%2,994
Net interest margin5.0613%382
Noninterest income to average assets0.6852%2,933
Noninterest expense to average assets3.4038%2,429
Loan and lease loss provision to assets0.1851%5,381
Net operating income to assets1.1546%1,531
Return on assets (ROA)1.2798%1,286
Pretax return on assets1.8987%613
Return on Equity (ROE)16.5808%515
Retained earnings to average equity (ytd only)14.9488%129
Net charge-offs to loans0.1640%5,351
Credit loss provision to net charge-offs143.2773%2,605
Earnings coverage of net charge-offs (x)14.6807%1,323
Efficiency ratio64.2118%5,309
Assets per employee ($millions)3.5247%4,879
Cash dividends to net income (ytd only)*9.8430%3,764
Condition Ratios (%)
Loss allowance to loans0.7741%7,024
Loan loss allowance to noncurrent loans114.3296%2,546
Noncurrent assets plus other real estate owned to assets1.6635%3,807
Noncurrent loans to loans0.6770%5,692
Net loans and leases to total assets78.1225%929
Net loans and leases to deposits91.3945%1,336
Net loans and leases to core deposits95.2364%2,097
Total domestic deposits to total assets85.4783%3,611
Equity capital to assets8.2986%6,149
Core capital (leverage) ratio8.0545%6,112
Tier 1 risk-based capital ratio14.1528%3,766
Total risk-based capital ratio15.1780%3,885
Memoranda:
Average total assets$184,175,0003,309
Average earning assets$167,961,6003,317
Average equity$14,215,2004,101
Average total loans$145,152,6002,851
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2672%541
Cost of funding earning assets1.4804%3,085
Net interest margin4.7868%694
Noninterest income to average assets0.6428%3,169
Noninterest expense to average assets3.3261%2,496
Loan and lease loss provision to assets0.2017%5,033
Net operating income to assets0.9931%2,258
Return on assets (ROA)1.1598%1,802
Pretax return on assets1.7216%1,071
Return on Equity (ROE)15.3124%807
Retained earnings to average equity (ytd only)13.4700%305
Net charge-offs to loans0.2385%4,514
Credit loss provision to net charge-offs107.3077%3,975
Earnings coverage of net charge-offs (x)8.9076%2,094
Efficiency ratio66.5124%4,751
Assets per employee ($millions)4.2225%3,404
Cash dividends to net income (ytd only)*12.0326%3,259
Condition Ratios (%)
Loss allowance to loans0.5930%7,361
Loan loss allowance to noncurrent loans86.6611%3,155
Noncurrent assets plus other real estate owned to assets1.4277%4,315
Noncurrent loans to loans0.6843%5,835
Net loans and leases to total assets83.6966%348
Net loans and leases to deposits114.6594%181
Net loans and leases to core deposits120.1353%606
Total domestic deposits to total assets72.9958%7,030
Equity capital to assets7.0923%7,307
Core capital (leverage) ratio8.0125%6,331
Tier 1 risk-based capital ratio12.1913%5,281
Total risk-based capital ratio13.0477%5,623
Memoranda:
Average total assets$184,397,7503,355
Average earning assets$167,874,7503,364
Average equity$13,966,5004,207
Average total loans$145,365,0002,888
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2248%592
Cost of funding earning assets1.6066%2,615
Net interest margin4.6182%958
Noninterest income to average assets0.5845%3,450
Noninterest expense to average assets3.4574%2,131
Loan and lease loss provision to assets0.2103%4,774
Net operating income to assets0.7567%3,163
Return on assets (ROA)0.8683%2,797
Pretax return on assets1.2459%2,271
Return on Equity (ROE)11.1866%1,689
Retained earnings to average equity (ytd only)10.0505%835
Net charge-offs to loans0.2932%3,858
Credit loss provision to net charge-offs93.4673%4,316
Earnings coverage of net charge-offs (x)5.7638%2,603
Efficiency ratio72.7229%3,706
Assets per employee ($millions)3.6030%4,688
Cash dividends to net income (ytd only)*10.1563%3,160
Condition Ratios (%)
Loss allowance to loans0.6673%7,310
Loan loss allowance to noncurrent loans157.6378%1,776
Noncurrent assets plus other real estate owned to assets1.3121%4,522
Noncurrent loans to loans0.4233%6,395
Net loans and leases to total assets81.0964%658
Net loans and leases to deposits102.4700%570
Net loans and leases to core deposits107.6495%1,330
Total domestic deposits to total assets79.1416%5,998
Equity capital to assets7.6494%7,024
Core capital (leverage) ratio7.9766%6,299
Tier 1 risk-based capital ratio12.5474%4,812
Total risk-based capital ratio13.4456%5,106
Memoranda:
Average total assets$176,896,6703,488
Average earning assets$159,716,0003,521
Average equity$13,730,6704,262
Average total loans$135,752,6703,086
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0883%796
Cost of funding earning assets1.7085%2,348
Net interest margin4.3797%1,446
Noninterest income to average assets0.7540%2,277
Noninterest expense to average assets3.4565%2,086
Loan and lease loss provision to assets0.2144%4,367
Net operating income to assets0.6904%3,483
Return on assets (ROA)0.8001%3,065
Pretax return on assets1.1553%2,534
Return on Equity (ROE)10.2300%2,029
Retained earnings to average equity (ytd only)9.0802%1,379
Net charge-offs to loans0.2364%3,521
Credit loss provision to net charge-offs122.3684%2,860
Earnings coverage of net charge-offs (x)6.9079%2,150
Efficiency ratio74.0613%3,565
Assets per employee ($millions)3.3004%5,540
Cash dividends to net income (ytd only)*11.2392%2,393
Condition Ratios (%)
Loss allowance to loans0.8331%7,044
Loan loss allowance to noncurrent loans47.9312%5,147
Noncurrent assets plus other real estate owned to assets1.5093%4,239
Noncurrent loans to loans1.7382%4,144
Net loans and leases to total assets70.1576%2,895
Net loans and leases to deposits84.7068%2,817
Net loans and leases to core deposits88.8052%3,520
Total domestic deposits to total assets82.8240%4,706
Equity capital to assets7.8316%6,823
Core capital (leverage) ratio7.9075%6,371
Tier 1 risk-based capital ratio12.7877%4,496
Total risk-based capital ratio13.7570%4,692
Memoranda:
Average total assets$173,468,5003,603
Average earning assets$154,987,0003,669
Average equity$13,568,0004,338
Average total loans$128,620,0003,285
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9518%301
Cost of funding earning assets2.0661%2,650
Net interest margin4.8857%578
Noninterest income to average assets0.6489%3,301
Noninterest expense to average assets3.5429%2,284
Loan and lease loss provision to assets0.2185%5,614
Net operating income to assets0.8263%2,428
Return on assets (ROA)1.0256%1,803
Pretax return on assets1.6299%902
Return on Equity (ROE)13.3234%896
Retained earnings to average equity (ytd only)11.5041%248
Net charge-offs to loans0.1721%5,570
Credit loss provision to net charge-offs160.1770%2,785
Earnings coverage of net charge-offs (x)11.2655%1,605
Efficiency ratio69.7445%4,683
Assets per employee ($millions)3.1855%5,753
Cash dividends to net income (ytd only)*13.6551%3,810
Condition Ratios (%)
Loss allowance to loans0.7596%7,234
Loan loss allowance to noncurrent loans58.5789%4,484
Noncurrent assets plus other real estate owned to assets1.2603%4,566
Noncurrent loans to loans1.2967%4,763
Net loans and leases to total assets77.0129%1,583
Net loans and leases to deposits93.8003%1,618
Net loans and leases to core deposits129.2398%1,322
Total domestic deposits to total assets82.1030%4,903
Equity capital to assets7.8114%6,754
Core capital (leverage) ratio7.7976%6,456
Tier 1 risk-based capital ratio12.2075%4,764
Total risk-based capital ratio13.1387%5,005
Memoranda:
Average total assets$165,653,8003,677
Average earning assets$150,234,8003,712
Average equity$12,752,0004,574
Average total loans$131,337,8003,245
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0995%262
Cost of funding earning assets2.1238%2,783
Net interest margin4.9757%468
Noninterest income to average assets0.6932%3,067
Noninterest expense to average assets3.5026%2,278
Loan and lease loss provision to assets0.2942%4,620
Net operating income to assets0.8596%2,577
Return on assets (ROA)1.1280%1,715
Pretax return on assets1.8415%744
Return on Equity (ROE)14.7099%808
Retained earnings to average equity (ytd only)12.6645%289
Net charge-offs to loans0.2915%4,206
Credit loss provision to net charge-offs126.5734%3,971
Earnings coverage of net charge-offs (x)7.3847%2,413
Efficiency ratio67.1130%5,161
Assets per employee ($millions)3.2388%5,548
Cash dividends to net income (ytd only)*13.9051%3,416
Condition Ratios (%)
Loss allowance to loans0.7940%7,142
Loan loss allowance to noncurrent loans100.3155%2,766
Noncurrent assets plus other real estate owned to assets1.0664%4,944
Noncurrent loans to loans0.7915%5,712
Net loans and leases to total assets70.7711%3,324
Net loans and leases to deposits86.7482%3,176
Net loans and leases to core deposits118.0025%2,412
Total domestic deposits to total assets81.5822%4,841
Equity capital to assets7.7628%7,074
Core capital (leverage) ratio7.8737%6,541
Tier 1 risk-based capital ratio12.0828%4,893
Total risk-based capital ratio12.9680%5,172
Memoranda:
Average total assets$164,062,7503,721
Average earning assets$149,228,2503,737
Average equity$12,580,7504,640
Average total loans$130,799,7503,290
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.2636%220
Cost of funding earning assets2.1846%2,861
Net interest margin5.0790%371
Noninterest income to average assets0.7011%2,989
Noninterest expense to average assets3.5311%2,245
Loan and lease loss provision to assets0.2767%4,364
Net operating income to assets0.8962%2,469
Return on assets (ROA)1.2213%1,500
Pretax return on assets2.0651%474
Return on Equity (ROE)15.9951%696
Retained earnings to average equity (ytd only)14.7225%218
Net charge-offs to loans0.3409%3,471
Credit loss provision to net charge-offs98.2533%4,671
Earnings coverage of net charge-offs (x)6.5109%2,601
Efficiency ratio65.8184%5,575
Assets per employee ($millions)3.1214%5,804
Cash dividends to net income (ytd only)*7.9557%3,432
Condition Ratios (%)
Loss allowance to loans0.6694%7,486
Loan loss allowance to noncurrent loans47.6814%5,181
Noncurrent assets plus other real estate owned to assets1.6025%3,812
Noncurrent loans to loans1.4039%4,409
Net loans and leases to total assets79.9030%1,330
Net loans and leases to deposits97.9185%1,528
Net loans and leases to core deposits130.9052%1,493
Total domestic deposits to total assets81.6016%4,858
Equity capital to assets7.8071%6,968
Core capital (leverage) ratio7.8025%6,610
Tier 1 risk-based capital ratio11.7988%5,104
Total risk-based capital ratio12.6082%5,450
Memoranda:
Average total assets$162,610,6703,767
Average earning assets$149,320,3303,760
Average equity$12,416,3304,703
Average total loans$134,351,0003,260
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.3365%212
Cost of funding earning assets2.2289%3,015
Net interest margin5.1076%329
Noninterest income to average assets0.6439%3,239
Noninterest expense to average assets3.4702%2,170
Loan and lease loss provision to assets0.1843%4,597
Net operating income to assets1.1579%1,777
Return on assets (ROA)1.8481%536
Pretax return on assets2.7181%173
Return on Equity (ROE)24.4782%206
Retained earnings to average equity (ytd only)23.2087%108
Net charge-offs to loans0.4228%2,410
Credit loss provision to net charge-offs52.0833%4,643
Earnings coverage of net charge-offs (x)5.3333%2,690
Efficiency ratio64.7706%5,552
Assets per employee ($millions)3.2611%5,418
Cash dividends to net income (ytd only)*5.1862%2,781
Condition Ratios (%)
Loss allowance to loans0.5826%7,689
Loan loss allowance to noncurrent loans61.1952%4,521
Noncurrent assets plus other real estate owned to assets1.2705%4,134
Noncurrent loans to loans0.9520%5,093
Net loans and leases to total assets83.0053%845
Net loans and leases to deposits106.1269%854
Net loans and leases to core deposits141.0450%1,061
Total domestic deposits to total assets78.2133%5,939
Equity capital to assets7.5464%7,315
Core capital (leverage) ratio7.7142%6,870
Tier 1 risk-based capital ratio11.2471%5,648
Total risk-based capital ratio11.9727%6,070
Memoranda:
Average total assets$162,759,5003,779
Average earning assets$150,207,5003,750
Average equity$12,288,5004,757
Average total loans$136,243,0003,243
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.4683%437
Cost of funding earning assets2.5595%3,906
Net interest margin4.9088%625
Noninterest income to average assets0.6898%3,184
Noninterest expense to average assets3.2882%3,004
Loan and lease loss provision to assets0.3870%3,373
Net operating income to assets0.9989%2,565
Return on assets (ROA)1.0424%2,280
Pretax return on assets1.5761%1,459
Return on Equity (ROE)13.9153%1,126
Retained earnings to average equity (ytd only)12.0558%221
Net charge-offs to loans0.4531%2,575
Credit loss provision to net charge-offs103.2316%5,177
Earnings coverage of net charge-offs (x)5.0610%3,766
Efficiency ratio63.4134%5,690
Assets per employee ($millions)2.9482%6,175
Cash dividends to net income (ytd only)*13.3635%4,609
Condition Ratios (%)
Loss allowance to loans0.6571%7,533
Loan loss allowance to noncurrent loans74.0928%4,370
Noncurrent assets plus other real estate owned to assets1.0961%4,092
Noncurrent loans to loans0.8868%4,846
Net loans and leases to total assets83.3827%979
Net loans and leases to deposits112.3898%684
Net loans and leases to core deposits146.3212%1,007
Total domestic deposits to total assets74.1907%6,623
Equity capital to assets7.5539%7,337
Core capital (leverage) ratio7.9129%6,634
Tier 1 risk-based capital ratio10.6858%6,014
Total risk-based capital ratio11.4792%6,352
Memoranda:
Average total assets$148,593,8003,929
Average earning assets$136,082,4003,926
Average equity$11,131,6005,090
Average total loans$122,936,4003,397