Home > The Bank of Bennington > Performance and Condition Ratios

The Bank of Bennington, 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 assets4.1413%3,738
Cost of funding earning assets1.3083%2,492
Net interest margin2.8330%3,600
Noninterest income to average assets0.5000%1,995
Noninterest expense to average assets2.2952%2,867
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.6946%3,209
Return on assets (ROA)0.6946%3,180
Pretax return on assets0.8751%3,027
Return on Equity (ROE)7.1900%3,235
Retained earnings to average equity (ytd only)7.1946%1,831
Net charge-offs to loans-0.0055%3,853
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)0.0000%2,831
Efficiency ratio72.4557%1,620
Assets per employee ($millions)9.8577%739
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans1.3047%1,741
Loan loss allowance to noncurrent loans260.5446%2,187
Noncurrent assets plus other real estate owned to assets0.3659%1,509
Noncurrent loans to loans0.5008%1,536
Net loans and leases to total assets72.1200%1,568
Net loans and leases to deposits90.2136%1,243
Net loans and leases to core deposits95.4612%1,685
Total domestic deposits to total assets79.9400%3,471
Equity capital to assets10.2203%1,885
Core capital (leverage) ratio11.4636%1,663
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.7188%631
Memoranda:
Average total assets$553,669,6001,602
Average earning assets$520,581,6001,577
Average equity$53,457,0001,521
Average total loans$398,272,6001,478
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0641%3,721
Cost of funding earning assets1.1763%2,505
Net interest margin2.8879%3,575
Noninterest income to average assets0.4800%2,060
Noninterest expense to average assets2.3225%2,721
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.6925%3,342
Return on assets (ROA)0.6925%3,323
Pretax return on assets0.8771%3,154
Return on Equity (ROE)7.2800%3,352
Retained earnings to average equity (ytd only)7.2785%2,204
Net charge-offs to loans-0.0087%3,893
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)0.0000%2,572
Efficiency ratio72.6643%1,491
Assets per employee ($millions)9.7974%717
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans1.2669%2,024
Loan loss allowance to noncurrent loans342.1719%1,843
Noncurrent assets plus other real estate owned to assets0.2688%1,928
Noncurrent loans to loans0.3702%1,907
Net loans and leases to total assets71.6800%1,617
Net loans and leases to deposits89.4606%1,272
Net loans and leases to core deposits94.0094%1,675
Total domestic deposits to total assets80.1200%3,510
Equity capital to assets9.5704%2,059
Core capital (leverage) ratio11.2525%1,822
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.0574%697
Memoranda:
Average total assets$554,112,2501,597
Average earning assets$521,064,5001,573
Average equity$52,720,0001,530
Average total loans$396,995,5001,471
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9945%3,700
Cost of funding earning assets1.0256%2,518
Net interest margin2.9688%3,514
Noninterest income to average assets0.4600%2,088
Noninterest expense to average assets2.3873%2,533
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.6800%3,385
Return on assets (ROA)0.6800%3,387
Pretax return on assets0.8696%3,237
Return on Equity (ROE)7.1600%3,447
Retained earnings to average equity (ytd only)7.1611%2,235
Net charge-offs to loans-0.0101%3,915
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)0.0000%2,403
Efficiency ratio73.3000%1,429
Assets per employee ($millions)9.3534%817
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans1.2928%1,955
Loan loss allowance to noncurrent loans439.8799%1,695
Noncurrent assets plus other real estate owned to assets0.2113%2,135
Noncurrent loans to loans0.2939%2,085
Net loans and leases to total assets70.9600%1,638
Net loans and leases to deposits89.2994%1,238
Net loans and leases to core deposits92.8805%1,630
Total domestic deposits to total assets79.4600%3,655
Equity capital to assets9.6345%2,075
Core capital (leverage) ratio11.1737%1,809
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.5000%593
Memoranda:
Average total assets$552,666,6671,600
Average earning assets$520,069,3331,573
Average equity$52,478,0001,537
Average total loans$394,189,0001,469
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8911%3,693
Cost of funding earning assets0.8568%2,517
Net interest margin3.0344%3,515
Noninterest income to average assets0.4100%2,332
Noninterest expense to average assets2.2615%2,926
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.8216%3,129
Return on assets (ROA)0.8216%3,079
Pretax return on assets1.0060%2,974
Return on Equity (ROE)8.7200%3,127
Retained earnings to average equity (ytd only)8.7162%2,023
Net charge-offs to loans-0.0163%4,039
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio69.2120%1,831
Assets per employee ($millions)9.8993%728
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.3037%2,016
Loan loss allowance to noncurrent loans390.3275%1,914
Noncurrent assets plus other real estate owned to assets0.2368%1,931
Noncurrent loans to loans0.3340%1,958
Net loans and leases to total assets69.9900%1,628
Net loans and leases to deposits85.3993%1,395
Net loans and leases to core deposits88.3056%1,722
Total domestic deposits to total assets81.9600%3,490
Equity capital to assets9.5829%2,073
Core capital (leverage) ratio11.0398%1,817
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.4867%614
Memoranda:
Average total assets$553,075,5001,616
Average earning assets$520,570,5001,595
Average equity$52,133,0001,562
Average total loans$392,919,0001,490
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2813%3,635
Cost of funding earning assets0.3606%2,395
Net interest margin2.9207%3,634
Noninterest income to average assets0.4400%2,437
Noninterest expense to average assets2.3000%2,735
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.7261%3,550
Return on assets (ROA)0.7261%3,491
Pretax return on assets0.8885%3,397
Return on Equity (ROE)7.7200%3,456
Retained earnings to average equity (ytd only)7.7241%1,949
Net charge-offs to loans0.0517%1,151
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)25.0773%1,779
Efficiency ratio72.1347%1,431
Assets per employee ($millions)10.2183%633
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans1.3009%1,890
Loan loss allowance to noncurrent loans346.1382%2,022
Noncurrent assets plus other real estate owned to assets0.2675%1,818
Noncurrent loans to loans0.3758%1,798
Net loans and leases to total assets70.2500%1,616
Net loans and leases to deposits83.5997%1,495
Net loans and leases to core deposits86.0096%1,748
Total domestic deposits to total assets84.0300%3,201
Equity capital to assets9.2684%2,182
Core capital (leverage) ratio11.0387%1,778
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.9588%632
Memoranda:
Average total assets$547,574,2001,613
Average earning assets$514,666,4001,593
Average equity$51,475,4001,577
Average total loans$374,979,6001,478
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1822%3,477
Cost of funding earning assets0.3118%2,040
Net interest margin2.8704%3,566
Noninterest income to average assets0.4400%2,486
Noninterest expense to average assets2.3479%2,482
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.6492%3,698
Return on assets (ROA)0.6492%3,654
Pretax return on assets0.7929%3,600
Return on Equity (ROE)6.8800%3,612
Retained earnings to average equity (ytd only)6.8813%2,413
Net charge-offs to loans0.0741%781
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)15.7767%1,835
Efficiency ratio74.7553%1,203
Assets per employee ($millions)9.5032%759
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans1.3474%1,817
Loan loss allowance to noncurrent loans256.2594%2,383
Noncurrent assets plus other real estate owned to assets0.3672%1,466
Noncurrent loans to loans0.5258%1,485
Net loans and leases to total assets68.9000%1,576
Net loans and leases to deposits78.8453%1,650
Net loans and leases to core deposits80.8302%1,842
Total domestic deposits to total assets87.3800%2,629
Equity capital to assets9.0931%2,141
Core capital (leverage) ratio10.6876%1,965
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.2709%621
Memoranda:
Average total assets$546,520,5001,629
Average earning assets$513,599,0001,610
Average equity$51,558,7501,603
Average total loans$370,546,0001,478
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0347%3,465
Cost of funding earning assets0.3122%1,603
Net interest margin2.7225%3,660
Noninterest income to average assets0.4481%2,464
Noninterest expense to average assets2.3903%2,255
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.5028%3,885
Return on assets (ROA)0.5028%3,839
Pretax return on assets0.6163%3,782
Return on Equity (ROE)5.2669%3,761
Retained earnings to average equity (ytd only)5.2669%2,602
Net charge-offs to loans0.1158%529
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)7.9296%1,841
Efficiency ratio79.5024%983
Assets per employee ($millions)9.7045%720
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans1.3722%1,877
Loan loss allowance to noncurrent loans187.3068%2,761
Noncurrent assets plus other real estate owned to assets0.5001%1,143
Noncurrent loans to loans0.7326%1,176
Net loans and leases to total assets67.3310%1,543
Net loans and leases to deposits78.1610%1,527
Net loans and leases to core deposits80.3138%1,695
Total domestic deposits to total assets86.1440%3,211
Equity capital to assets9.3839%2,108
Core capital (leverage) ratio10.4064%2,023
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.2364%606
Memoranda:
Average total assets$548,132,3331,633
Average earning assets$515,116,0001,623
Average equity$52,326,3331,622
Average total loans$367,962,0001,482
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9916%3,279
Cost of funding earning assets0.3428%1,265
Net interest margin2.6488%3,526
Noninterest income to average assets0.4135%2,599
Noninterest expense to average assets2.1334%3,035
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.6315%3,295
Return on assets (ROA)0.6315%3,274
Pretax return on assets0.7732%3,193
Return on Equity (ROE)6.5596%3,177
Retained earnings to average equity (ytd only)6.5596%2,052
Net charge-offs to loans-0.0044%3,301
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.4000%1,808
Assets per employee ($millions)10.1470%655
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.4432%1,748
Loan loss allowance to noncurrent loans192.9818%2,652
Noncurrent assets plus other real estate owned to assets0.4928%1,219
Noncurrent loans to loans0.7478%1,270
Net loans and leases to total assets64.9391%1,508
Net loans and leases to deposits76.8661%1,377
Net loans and leases to core deposits79.0779%1,546
Total domestic deposits to total assets84.4835%3,659
Equity capital to assets9.2701%2,472
Core capital (leverage) ratio10.2346%2,070
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.5752%595
Memoranda:
Average total assets$550,471,5001,633
Average earning assets$518,123,5001,624
Average equity$52,991,0001,650
Average total loans$366,441,0001,472
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2338%3,392
Cost of funding earning assets0.4254%1,356
Net interest margin2.8085%3,643
Noninterest income to average assets0.5365%2,410
Noninterest expense to average assets2.0609%3,500
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.9155%2,985
Return on assets (ROA)0.9377%2,976
Pretax return on assets1.1546%2,805
Return on Equity (ROE)9.3920%2,760
Retained earnings to average equity (ytd only)9.3920%1,074
Net charge-offs to loans-0.1167%4,610
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.6444%2,454
Assets per employee ($millions)9.3596%823
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans1.4522%1,724
Loan loss allowance to noncurrent loans230.7659%2,403
Noncurrent assets plus other real estate owned to assets0.4233%1,550
Noncurrent loans to loans0.6293%1,577
Net loans and leases to total assets66.2892%1,439
Net loans and leases to deposits79.3463%1,267
Net loans and leases to core deposits81.7877%1,477
Total domestic deposits to total assets83.5442%3,678
Equity capital to assets9.9928%2,661
Core capital (leverage) ratio10.0175%2,356
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.7033%581
Memoranda:
Average total assets$527,880,0001,628
Average earning assets$498,388,4001,610
Average equity$52,704,4001,685
Average total loans$366,816,4001,473
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2069%3,593
Cost of funding earning assets0.4412%1,412
Net interest margin2.7656%3,853
Noninterest income to average assets0.5166%2,550
Noninterest expense to average assets2.0429%3,546
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.8851%3,290
Return on assets (ROA)0.9150%3,269
Pretax return on assets1.1239%3,146
Return on Equity (ROE)9.1667%3,058
Retained earnings to average equity (ytd only)9.1667%1,631
Net charge-offs to loans-0.0044%3,392
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2715%2,203
Assets per employee ($millions)9.7920%682
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans1.3294%2,340
Loan loss allowance to noncurrent loans258.4347%2,188
Noncurrent assets plus other real estate owned to assets0.3449%2,061
Noncurrent loans to loans0.5144%2,017
Net loans and leases to total assets66.1492%1,529
Net loans and leases to deposits79.7281%1,316
Net loans and leases to core deposits82.1007%1,563
Total domestic deposits to total assets82.9686%3,717
Equity capital to assets9.7461%3,155
Core capital (leverage) ratio9.9918%2,515
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.5871%636
Memoranda:
Average total assets$524,135,2501,648
Average earning assets$495,254,2501,631
Average equity$52,318,7501,716
Average total loans$367,230,5001,495
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1500%3,767
Cost of funding earning assets0.4574%1,470
Net interest margin2.6927%3,994
Noninterest income to average assets0.5213%2,524
Noninterest expense to average assets2.0641%3,506
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.8117%3,473
Return on assets (ROA)0.8573%3,425
Pretax return on assets1.0572%3,314
Return on Equity (ROE)8.5169%3,258
Retained earnings to average equity (ytd only)8.5169%1,888
Net charge-offs to loans-0.0136%3,807
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.3410%1,963
Assets per employee ($millions)9.4580%725
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans1.3058%2,407
Loan loss allowance to noncurrent loans282.8044%1,986
Noncurrent assets plus other real estate owned to assets0.3272%2,286
Noncurrent loans to loans0.4617%2,293
Net loans and leases to total assets69.9377%1,203
Net loans and leases to deposits85.7441%933
Net loans and leases to core deposits88.0861%1,262
Total domestic deposits to total assets81.5656%3,996
Equity capital to assets9.8864%2,963
Core capital (leverage) ratio9.8821%2,516
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$516,063,3331,662
Average earning assets$487,548,6671,645
Average equity$51,944,0001,720
Average total loans$367,101,6671,495
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2087%3,670
Cost of funding earning assets0.4663%1,614
Net interest margin2.7423%3,881
Noninterest income to average assets0.5058%2,582
Noninterest expense to average assets2.0955%3,437
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.8137%3,378
Return on assets (ROA)0.8137%3,451
Pretax return on assets1.0014%3,364
Return on Equity (ROE)8.0101%3,312
Retained earnings to average equity (ytd only)8.0101%2,228
Net charge-offs to loans-0.0242%4,085
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.6642%1,981
Assets per employee ($millions)9.6962%653
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans1.3419%2,243
Loan loss allowance to noncurrent loans279.7259%1,859
Noncurrent assets plus other real estate owned to assets0.3344%2,461
Noncurrent loans to loans0.4797%2,411
Net loans and leases to total assets68.7741%1,431
Net loans and leases to deposits84.7276%1,073
Net loans and leases to core deposits86.9842%1,455
Total domestic deposits to total assets81.1708%4,041
Equity capital to assets9.9487%2,750
Core capital (leverage) ratio10.2168%2,310
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$509,271,5001,663
Average earning assets$481,195,0001,645
Average equity$51,734,5001,716
Average total loans$362,990,5001,515
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6726%3,650
Cost of funding earning assets0.7266%1,578
Net interest margin2.9460%4,019
Noninterest income to average assets0.5811%2,299
Noninterest expense to average assets2.2167%3,634
Loan and lease loss provision to assets0.2969%1,268
Net operating income to assets0.6728%3,512
Return on assets (ROA)0.6728%3,642
Pretax return on assets0.8261%3,562
Return on Equity (ROE)6.3123%3,479
Retained earnings to average equity (ytd only)6.3123%1,660
Net charge-offs to loans0.0510%2,064
Credit loss provision to net charge-offs750.2732%954
Earnings coverage of net charge-offs (x)28.3770%1,662
Efficiency ratio66.3731%2,472
Assets per employee ($millions)8.9990%743
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans1.3505%2,189
Loan loss allowance to noncurrent loans306.9899%1,678
Noncurrent assets plus other real estate owned to assets0.3208%2,715
Noncurrent loans to loans0.4399%2,655
Net loans and leases to total assets71.9491%1,288
Net loans and leases to deposits89.9749%927
Net loans and leases to core deposits92.7623%1,322
Total domestic deposits to total assets79.9657%4,049
Equity capital to assets10.3805%2,770
Core capital (leverage) ratio10.1472%2,465
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$462,388,8001,659
Average earning assets$432,991,2001,653
Average equity$49,285,0001,716
Average total loans$358,513,2001,485
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7403%3,702
Cost of funding earning assets0.7874%1,556
Net interest margin2.9528%4,078
Noninterest income to average assets0.5797%2,256
Noninterest expense to average assets2.2821%3,466
Loan and lease loss provision to assets0.4031%869
Net operating income to assets0.5363%3,939
Return on assets (ROA)0.5363%4,030
Pretax return on assets0.6551%3,993
Return on Equity (ROE)4.9956%3,898
Retained earnings to average equity (ytd only)4.9956%2,562
Net charge-offs to loans0.2924%540
Credit loss provision to net charge-offs174.9045%2,204
Earnings coverage of net charge-offs (x)4.5924%2,808
Efficiency ratio68.3216%2,136
Assets per employee ($millions)9.1946%656
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans1.1364%3,002
Loan loss allowance to noncurrent loans201.6038%2,187
Noncurrent assets plus other real estate owned to assets0.5100%2,164
Noncurrent loans to loans0.5637%2,387
Net loans and leases to total assets74.8892%1,255
Net loans and leases to deposits94.7591%864
Net loans and leases to core deposits97.8266%1,317
Total domestic deposits to total assets79.0311%4,056
Equity capital to assets10.1061%3,141
Core capital (leverage) ratio10.1805%2,540
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$454,249,5001,663
Average earning assets$424,664,0001,658
Average equity$48,761,7501,723
Average total loans$357,895,5001,483
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7636%3,962
Cost of funding earning assets0.8701%1,494
Net interest margin2.8935%4,319
Noninterest income to average assets0.6761%1,826
Noninterest expense to average assets2.4114%3,232
Loan and lease loss provision to assets0.6239%500
Net operating income to assets0.2899%4,438
Return on assets (ROA)0.2899%4,473
Pretax return on assets0.3367%4,489
Return on Equity (ROE)2.6424%4,415
Retained earnings to average equity (ytd only)2.6424%3,533
Net charge-offs to loans0.4894%328
Credit loss provision to net charge-offs159.4657%2,081
Earnings coverage of net charge-offs (x)2.4553%2,772
Efficiency ratio71.5133%1,761
Assets per employee ($millions)8.4542%824
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans1.1277%2,888
Loan loss allowance to noncurrent loans222.7707%1,982
Noncurrent assets plus other real estate owned to assets0.5048%2,325
Noncurrent loans to loans0.5062%2,632
Net loans and leases to total assets77.7213%889
Net loans and leases to deposits99.8827%560
Net loans and leases to core deposits103.0957%1,056
Total domestic deposits to total assets77.8126%4,212
Equity capital to assets10.3229%2,912
Core capital (leverage) ratio10.7403%2,167
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$440,162,3331,683
Average earning assets$410,090,0001,675
Average equity$48,289,6671,727
Average total loans$351,825,0001,486
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0489%3,657
Cost of funding earning assets0.9957%1,435
Net interest margin3.0532%4,196
Noninterest income to average assets0.5402%2,334
Noninterest expense to average assets2.5831%3,030
Loan and lease loss provision to assets0.5289%553
Net operating income to assets0.2333%4,473
Return on assets (ROA)0.2333%4,495
Pretax return on assets0.2607%4,509
Return on Equity (ROE)2.0584%4,433
Retained earnings to average equity (ytd only)2.0584%3,428
Net charge-offs to loans0.5058%285
Credit loss provision to net charge-offs129.6296%1,670
Earnings coverage of net charge-offs (x)1.9352%2,329
Efficiency ratio76.5892%1,501
Assets per employee ($millions)7.3533%952
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.1137%3,119
Loan loss allowance to noncurrent loans159.1402%2,438
Noncurrent assets plus other real estate owned to assets0.6640%2,009
Noncurrent loans to loans0.6998%2,247
Net loans and leases to total assets79.3860%769
Net loans and leases to deposits105.1041%328
Net loans and leases to core deposits108.9142%905
Total domestic deposits to total assets75.5308%4,532
Equity capital to assets11.3097%2,586
Core capital (leverage) ratio11.2850%2,243
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$423,526,0001,699
Average earning assets$392,897,5001,690
Average equity$47,998,5001,722
Average total loans$341,659,0001,483
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2193%3,765
Cost of funding earning assets1.0468%1,527
Net interest margin3.1725%4,245
Noninterest income to average assets0.5613%2,414
Noninterest expense to average assets2.4923%3,472
Loan and lease loss provision to assets0.0925%2,182
Net operating income to assets0.7608%3,668
Return on assets (ROA)0.7608%3,749
Pretax return on assets0.9324%3,643
Return on Equity (ROE)6.8607%3,599
Retained earnings to average equity (ytd only)6.8607%1,447
Net charge-offs to loans0.1071%1,655
Credit loss provision to net charge-offs106.6298%2,322
Earnings coverage of net charge-offs (x)11.8094%2,461
Efficiency ratio70.8589%2,040
Assets per employee ($millions)7.3783%907
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans1.0809%3,055
Loan loss allowance to noncurrent loans173.3302%2,341
Noncurrent assets plus other real estate owned to assets0.6092%2,067
Noncurrent loans to loans0.6236%2,329
Net loans and leases to total assets80.1896%756
Net loans and leases to deposits106.8983%263
Net loans and leases to core deposits112.0754%750
Total domestic deposits to total assets75.0148%4,704
Equity capital to assets11.3567%2,656
Core capital (leverage) ratio11.2305%2,311
Tier 1 risk-based capital ratio19.6107%1,391
Total risk-based capital ratio20.8638%1,359
Memoranda:
Average total assets$417,082,0001,681
Average earning assets$388,619,6001,670
Average equity$46,249,2001,713
Average total loans$338,034,6001,467
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2131%3,894
Cost of funding earning assets1.0392%1,585
Net interest margin3.1739%4,358
Noninterest income to average assets0.5622%2,399
Noninterest expense to average assets2.4894%3,465
Loan and lease loss provision to assets0.0961%1,989
Net operating income to assets0.7618%3,805
Return on assets (ROA)0.7618%3,873
Pretax return on assets0.9354%3,777
Return on Equity (ROE)6.9120%3,715
Retained earnings to average equity (ytd only)6.9120%1,907
Net charge-offs to loans0.1486%1,099
Credit loss provision to net charge-offs79.7872%2,510
Earnings coverage of net charge-offs (x)8.5639%2,646
Efficiency ratio70.7033%2,019
Assets per employee ($millions)7.4338%863
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans1.0489%3,292
Loan loss allowance to noncurrent loans115.6825%3,077
Noncurrent assets plus other real estate owned to assets0.8463%1,625
Noncurrent loans to loans0.9067%1,763
Net loans and leases to total assets79.8137%870
Net loans and leases to deposits106.9409%294
Net loans and leases to core deposits111.4640%874
Total domestic deposits to total assets74.6335%4,775
Equity capital to assets11.0953%3,015
Core capital (leverage) ratio11.2497%2,428
Tier 1 risk-based capital ratio19.7996%1,400
Total risk-based capital ratio21.0529%1,364
Memoranda:
Average total assets$416,212,2501,693
Average earning assets$387,983,5001,682
Average equity$45,871,0001,726
Average total loans$337,310,5001,478
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1985%3,929
Cost of funding earning assets1.0386%1,538
Net interest margin3.1599%4,441
Noninterest income to average assets0.5419%2,425
Noninterest expense to average assets2.5066%3,455
Loan and lease loss provision to assets0.0967%1,925
Net operating income to assets0.7227%3,925
Return on assets (ROA)0.7227%3,982
Pretax return on assets0.8847%3,889
Return on Equity (ROE)6.5729%3,853
Retained earnings to average equity (ytd only)6.5729%2,016
Net charge-offs to loans0.1900%875
Credit loss provision to net charge-offs62.6959%2,387
Earnings coverage of net charge-offs (x)6.3636%2,577
Efficiency ratio71.8642%1,944
Assets per employee ($millions)6.7794%1,105
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans1.0542%3,315
Loan loss allowance to noncurrent loans114.2581%3,102
Noncurrent assets plus other real estate owned to assets0.7513%1,853
Noncurrent loans to loans0.9227%1,775
Net loans and leases to total assets80.3883%823
Net loans and leases to deposits109.1621%235
Net loans and leases to core deposits114.8424%733
Total domestic deposits to total assets73.6412%4,860
Equity capital to assets11.1548%2,902
Core capital (leverage) ratio11.1921%2,426
Tier 1 risk-based capital ratio19.9448%1,358
Total risk-based capital ratio21.1982%1,332
Memoranda:
Average total assets$413,707,0001,708
Average earning assets$385,707,3301,701
Average equity$45,490,0001,728
Average total loans$335,821,3301,488
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1593%3,974
Cost of funding earning assets1.0422%1,403
Net interest margin3.1171%4,558
Noninterest income to average assets0.5056%2,523
Noninterest expense to average assets2.5095%3,482
Loan and lease loss provision to assets0.1933%839
Net operating income to assets0.5800%4,303
Return on assets (ROA)0.5800%4,338
Pretax return on assets0.7086%4,281
Return on Equity (ROE)5.3133%4,244
Retained earnings to average equity (ytd only)5.3133%2,770
Net charge-offs to loans-0.0310%4,658
Credit loss provision to net charge-offs-769.2308%3,893
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.5619%1,806
Assets per employee ($millions)7.1265%948
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans1.1630%2,778
Loan loss allowance to noncurrent loans104.8261%3,316
Noncurrent assets plus other real estate owned to assets0.8990%1,566
Noncurrent loans to loans1.1095%1,508
Net loans and leases to total assets79.9368%842
Net loans and leases to deposits109.8909%220
Net loans and leases to core deposits115.4198%667
Total domestic deposits to total assets72.7420%5,013
Equity capital to assets11.0002%2,852
Core capital (leverage) ratio11.1560%2,421
Tier 1 risk-based capital ratio18.4264%1,679
Total risk-based capital ratio19.6799%1,624
Memoranda:
Average total assets$413,789,0001,717
Average earning assets$385,737,5001,708
Average equity$45,170,0001,727
Average total loans$335,741,0001,496
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0673%3,849
Cost of funding earning assets0.8818%1,169
Net interest margin3.1855%4,508
Noninterest income to average assets0.5774%2,411
Noninterest expense to average assets2.5298%3,525
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets0.8285%3,698
Return on assets (ROA)0.8285%3,697
Pretax return on assets1.0091%3,566
Return on Equity (ROE)7.9375%3,471
Retained earnings to average equity (ytd only)7.9375%1,264
Net charge-offs to loans0.0481%2,470
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)25.5706%1,765
Efficiency ratio71.4853%1,970
Assets per employee ($millions)6.9040%1,012
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans1.0861%3,191
Loan loss allowance to noncurrent loans95.7636%3,491
Noncurrent assets plus other real estate owned to assets0.9367%1,469
Noncurrent loans to loans1.1341%1,413
Net loans and leases to total assets80.5144%865
Net loans and leases to deposits116.8940%135
Net loans and leases to core deposits121.8626%501
Total domestic deposits to total assets68.8781%5,187
Equity capital to assets10.8324%2,860
Core capital (leverage) ratio11.0695%2,458
Tier 1 risk-based capital ratio18.0683%1,738
Total risk-based capital ratio19.3206%1,698
Memoranda:
Average total assets$413,044,2001,658
Average earning assets$383,990,2001,655
Average equity$43,111,8001,738
Average total loans$338,955,4001,445
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9969%3,941
Cost of funding earning assets0.8569%1,085
Net interest margin3.1400%4,635
Noninterest income to average assets0.5705%2,471
Noninterest expense to average assets2.5565%3,422
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets0.7711%4,004
Return on assets (ROA)0.7711%4,015
Pretax return on assets0.9319%3,920
Return on Equity (ROE)7.4583%3,766
Retained earnings to average equity (ytd only)7.4583%1,899
Net charge-offs to loans0.0609%1,952
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)18.6130%2,042
Efficiency ratio73.2846%1,684
Assets per employee ($millions)6.9719%942
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.0851%3,279
Loan loss allowance to noncurrent loans101.8601%3,421
Noncurrent assets plus other real estate owned to assets0.8757%1,684
Noncurrent loans to loans1.0652%1,603
Net loans and leases to total assets81.3113%827
Net loans and leases to deposits114.7410%171
Net loans and leases to core deposits119.3279%594
Total domestic deposits to total assets70.8650%5,187
Equity capital to assets10.6123%3,033
Core capital (leverage) ratio10.8548%2,728
Tier 1 risk-based capital ratio17.4746%1,940
Total risk-based capital ratio18.7270%1,895
Memoranda:
Average total assets$412,745,5001,665
Average earning assets$383,553,0001,662
Average equity$42,671,7501,753
Average total loans$339,398,2501,442
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9748%3,860
Cost of funding earning assets0.8481%928
Net interest margin3.1267%4,674
Noninterest income to average assets0.5552%2,553
Noninterest expense to average assets2.6108%3,296
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.7023%4,189
Return on assets (ROA)0.7023%4,190
Pretax return on assets0.8494%4,115
Return on Equity (ROE)6.8533%3,943
Retained earnings to average equity (ytd only)6.8533%2,144
Net charge-offs to loans0.0753%1,575
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)13.7109%2,136
Efficiency ratio75.4511%1,499
Assets per employee ($millions)6.8519%990
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.1034%3,236
Loan loss allowance to noncurrent loans143.9813%2,841
Noncurrent assets plus other real estate owned to assets0.6244%2,344
Noncurrent loans to loans0.7663%2,203
Net loans and leases to total assets80.5819%932
Net loans and leases to deposits116.3565%156
Net loans and leases to core deposits123.0636%485
Total domestic deposits to total assets69.2543%5,299
Equity capital to assets10.4298%3,182
Core capital (leverage) ratio10.6463%2,870
Tier 1 risk-based capital ratio17.3609%1,979
Total risk-based capital ratio18.6135%1,931
Memoranda:
Average total assets$413,212,6701,665
Average earning assets$383,914,6701,666
Average equity$42,344,6701,774
Average total loans$339,818,3301,443
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9844%3,667
Cost of funding earning assets0.8451%784
Net interest margin3.1393%4,619
Noninterest income to average assets0.4557%3,075
Noninterest expense to average assets2.5047%3,627
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.7165%4,046
Return on assets (ROA)0.7165%4,056
Pretax return on assets0.8671%3,960
Return on Equity (ROE)7.0536%3,765
Retained earnings to average equity (ytd only)7.0536%2,256
Net charge-offs to loans0.0549%1,558
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)19.1064%1,515
Efficiency ratio74.2841%1,858
Assets per employee ($millions)7.1183%919
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.1089%3,321
Loan loss allowance to noncurrent loans123.0293%3,089
Noncurrent assets plus other real estate owned to assets0.7436%2,092
Noncurrent loans to loans0.9013%2,017
Net loans and leases to total assets81.5875%715
Net loans and leases to deposits117.3554%141
Net loans and leases to core deposits127.2989%390
Total domestic deposits to total assets69.5217%5,378
Equity capital to assets10.2613%3,323
Core capital (leverage) ratio10.3785%3,083
Tier 1 risk-based capital ratio17.4919%1,977
Total risk-based capital ratio18.7454%1,933
Memoranda:
Average total assets$414,263,5001,668
Average earning assets$384,805,0001,676
Average equity$42,078,0001,793
Average total loans$342,239,0001,437
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9644%3,523
Cost of funding earning assets0.7774%705
Net interest margin3.1869%4,481
Noninterest income to average assets0.5046%2,971
Noninterest expense to average assets2.4555%3,925
Loan and lease loss provision to assets0.0346%3,575
Net operating income to assets0.5258%4,307
Return on assets (ROA)0.5258%4,339
Pretax return on assets0.9719%3,668
Return on Equity (ROE)5.2628%4,062
Retained earnings to average equity (ytd only)5.2628%1,960
Net charge-offs to loans0.0517%2,767
Credit loss provision to net charge-offs82.0809%2,915
Earnings coverage of net charge-offs (x)23.8786%1,787
Efficiency ratio70.9269%2,412
Assets per employee ($millions)6.9278%1,000
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans1.1121%3,280
Loan loss allowance to noncurrent loans125.3770%3,140
Noncurrent assets plus other real estate owned to assets0.7925%1,968
Noncurrent loans to loans0.8870%2,005
Net loans and leases to total assets81.8046%707
Net loans and leases to deposits120.9565%104
Net loans and leases to core deposits132.5855%296
Total domestic deposits to total assets67.6315%5,485
Equity capital to assets10.0540%3,640
Core capital (leverage) ratio10.0223%3,429
Tier 1 risk-based capital ratio17.0418%2,075
Total risk-based capital ratio18.2953%2,028
Memoranda:
Average total assets$410,420,6001,665
Average earning assets$380,867,2001,670
Average equity$41,004,6001,816
Average total loans$334,863,4001,429
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9396%3,556
Cost of funding earning assets0.7732%674
Net interest margin3.1665%4,545
Noninterest income to average assets0.4898%3,087
Noninterest expense to average assets2.4690%3,825
Loan and lease loss provision to assets0.0463%3,177
Net operating income to assets0.6485%4,194
Return on assets (ROA)0.6485%4,250
Pretax return on assets0.9122%3,994
Return on Equity (ROE)6.5018%3,914
Retained earnings to average equity (ytd only)6.5018%1,958
Net charge-offs to loans0.0577%2,302
Credit loss provision to net charge-offs98.6111%2,333
Earnings coverage of net charge-offs (x)20.4231%1,952
Efficiency ratio72.0358%2,199
Assets per employee ($millions)6.8471%1,009
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.1275%3,329
Loan loss allowance to noncurrent loans104.7283%3,448
Noncurrent assets plus other real estate owned to assets1.0400%1,623
Noncurrent loans to loans1.0766%1,788
Net loans and leases to total assets80.9184%855
Net loans and leases to deposits118.9420%113
Net loans and leases to core deposits132.4063%304
Total domestic deposits to total assets68.0318%5,535
Equity capital to assets10.0315%3,876
Core capital (leverage) ratio10.1325%3,403
Tier 1 risk-based capital ratio16.9768%2,164
Total risk-based capital ratio18.2304%2,117
Memoranda:
Average total assets$409,109,2501,683
Average earning assets$379,551,0001,683
Average equity$40,808,0001,836
Average total loans$332,614,7501,442
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9124%3,513
Cost of funding earning assets0.7797%582
Net interest margin3.1327%4,596
Noninterest income to average assets0.4844%3,117
Noninterest expense to average assets2.4792%3,815
Loan and lease loss provision to assets0.0699%2,577
Net operating income to assets0.6031%4,293
Return on assets (ROA)0.6031%4,337
Pretax return on assets0.8428%4,119
Return on Equity (ROE)6.0577%4,021
Retained earnings to average equity (ytd only)6.0577%2,080
Net charge-offs to loans0.0892%1,717
Credit loss provision to net charge-offs96.5986%2,081
Earnings coverage of net charge-offs (x)12.6122%2,175
Efficiency ratio73.0914%2,173
Assets per employee ($millions)6.8366%995
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.1581%3,260
Loan loss allowance to noncurrent loans131.2649%3,042
Noncurrent assets plus other real estate owned to assets0.7882%2,239
Noncurrent loans to loans0.8823%2,213
Net loans and leases to total assets80.1067%938
Net loans and leases to deposits117.7512%123
Net loans and leases to core deposits131.2178%288
Total domestic deposits to total assets68.0305%5,593
Equity capital to assets10.0170%3,889
Core capital (leverage) ratio10.1167%3,383
Tier 1 risk-based capital ratio17.1463%2,121
Total risk-based capital ratio18.4005%2,062
Memoranda:
Average total assets$406,254,3301,689
Average earning assets$377,055,6701,695
Average equity$40,444,3301,851
Average total loans$329,543,3301,457
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8787%3,469
Cost of funding earning assets0.7911%515
Net interest margin3.0876%4,687
Noninterest income to average assets0.4799%3,117
Noninterest expense to average assets2.4755%3,893
Loan and lease loss provision to assets0.0762%2,287
Net operating income to assets0.5630%4,320
Return on assets (ROA)0.5630%4,364
Pretax return on assets0.7935%4,128
Return on Equity (ROE)5.6727%4,052
Retained earnings to average equity (ytd only)5.6727%2,505
Net charge-offs to loans-0.0024%4,027
Credit loss provision to net charge-offs-3,850.0000%4,677
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.0018%2,233
Assets per employee ($millions)6.8561%1,011
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.1946%3,167
Loan loss allowance to noncurrent loans106.8441%3,499
Noncurrent assets plus other real estate owned to assets1.0398%1,750
Noncurrent loans to loans1.1181%1,826
Net loans and leases to total assets80.4351%779
Net loans and leases to deposits118.5873%100
Net loans and leases to core deposits132.4648%229
Total domestic deposits to total assets67.8277%5,680
Equity capital to assets9.9941%3,765
Core capital (leverage) ratio10.0650%3,420
Tier 1 risk-based capital ratio17.0437%2,171
Total risk-based capital ratio18.2983%2,122
Memoranda:
Average total assets$404,284,5001,713
Average earning assets$375,173,0001,711
Average equity$40,122,0001,863
Average total loans$328,093,5001,469
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9436%3,407
Cost of funding earning assets0.8553%375
Net interest margin3.0883%4,760
Noninterest income to average assets0.6003%2,661
Noninterest expense to average assets2.2591%4,634
Loan and lease loss provision to assets0.0682%3,006
Net operating income to assets0.7941%3,334
Return on assets (ROA)0.7965%3,418
Pretax return on assets1.1400%2,937
Return on Equity (ROE)8.3314%2,766
Retained earnings to average equity (ytd only)8.3314%753
Net charge-offs to loans-0.0120%4,985
Credit loss provision to net charge-offs-705.1282%5,240
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.2196%3,726
Assets per employee ($millions)7.0888%883
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans1.1796%3,242
Loan loss allowance to noncurrent loans171.1496%2,533
Noncurrent assets plus other real estate owned to assets0.6304%2,829
Noncurrent loans to loans0.6892%2,812
Net loans and leases to total assets79.9460%900
Net loans and leases to deposits116.4694%127
Net loans and leases to core deposits130.5210%279
Total domestic deposits to total assets68.6412%5,699
Equity capital to assets9.8543%3,876
Core capital (leverage) ratio9.8488%3,690
Tier 1 risk-based capital ratio16.6041%2,304
Total risk-based capital ratio17.8583%2,247
Memoranda:
Average total assets$402,993,4001,669
Average earning assets$373,666,4001,666
Average equity$38,528,8001,910
Average total loans$325,142,6001,433
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9609%3,367
Cost of funding earning assets0.8663%350
Net interest margin3.0946%4,787
Noninterest income to average assets0.5969%2,678
Noninterest expense to average assets2.2665%4,611
Loan and lease loss provision to assets0.0695%2,827
Net operating income to assets0.7890%3,415
Return on assets (ROA)0.7922%3,545
Pretax return on assets1.1346%3,099
Return on Equity (ROE)8.3509%2,832
Retained earnings to average equity (ytd only)8.3509%1,027
Net charge-offs to loans-0.0435%5,320
Credit loss provision to net charge-offs-198.1132%4,863
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.3931%3,691
Assets per employee ($millions)6.9457%911
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.1761%3,393
Loan loss allowance to noncurrent loans148.6893%2,807
Noncurrent assets plus other real estate owned to assets0.7172%2,769
Noncurrent loans to loans0.7910%2,699
Net loans and leases to total assets79.0881%1,024
Net loans and leases to deposits117.3332%140
Net loans and leases to core deposits131.3748%280
Total domestic deposits to total assets67.4047%5,782
Equity capital to assets9.5933%4,563
Core capital (leverage) ratio9.6065%4,048
Tier 1 risk-based capital ratio16.1648%2,560
Total risk-based capital ratio17.4187%2,509
Memoranda:
Average total assets$402,727,0001,676
Average earning assets$373,370,7501,668
Average equity$38,206,7501,928
Average total loans$324,707,0001,431
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9954%3,260
Cost of funding earning assets0.8624%352
Net interest margin3.1330%4,742
Noninterest income to average assets0.5445%2,933
Noninterest expense to average assets2.3288%4,527
Loan and lease loss provision to assets0.0744%2,649
Net operating income to assets0.7314%3,642
Return on assets (ROA)0.7363%3,783
Pretax return on assets1.0555%3,380
Return on Equity (ROE)7.7911%3,093
Retained earnings to average equity (ytd only)7.7911%1,249
Net charge-offs to loans-0.0408%5,278
Credit loss provision to net charge-offs-225.7576%4,743
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.4674%3,459
Assets per employee ($millions)6.4349%1,117
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.1486%3,657
Loan loss allowance to noncurrent loans172.6103%2,576
Noncurrent assets plus other real estate owned to assets0.6369%3,090
Noncurrent loans to loans0.6654%3,075
Net loans and leases to total assets79.7363%947
Net loans and leases to deposits119.5562%104
Net loans and leases to core deposits134.4293%247
Total domestic deposits to total assets66.6936%5,873
Equity capital to assets9.4894%4,778
Core capital (leverage) ratio9.5657%4,111
Tier 1 risk-based capital ratio15.7647%2,755
Total risk-based capital ratio17.0181%2,686
Memoranda:
Average total assets$400,371,0001,686
Average earning assets$371,530,0001,679
Average equity$37,838,0001,948
Average total loans$323,624,0001,442
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1367%2,701
Cost of funding earning assets0.8648%358
Net interest margin3.2718%4,327
Noninterest income to average assets0.4916%3,180
Noninterest expense to average assets2.2752%4,723
Loan and lease loss provision to assets0.0744%2,472
Net operating income to assets0.8375%3,047
Return on assets (ROA)0.8375%3,181
Pretax return on assets1.1773%2,792
Return on Equity (ROE)8.8801%2,481
Retained earnings to average equity (ytd only)8.8801%1,152
Net charge-offs to loans-0.1131%5,688
Credit loss provision to net charge-offs-81.3187%4,202
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.5097%4,040
Assets per employee ($millions)6.6739%1,022
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.1435%3,812
Loan loss allowance to noncurrent loans130.0807%3,064
Noncurrent assets plus other real estate owned to assets0.8081%2,666
Noncurrent loans to loans0.8791%2,652
Net loans and leases to total assets80.0072%807
Net loans and leases to deposits123.3434%76
Net loans and leases to core deposits138.8169%178
Total domestic deposits to total assets64.8655%5,985
Equity capital to assets9.4994%4,670
Core capital (leverage) ratio9.5246%4,147
Tier 1 risk-based capital ratio15.6076%2,857
Total risk-based capital ratio16.8609%2,789
Memoranda:
Average total assets$397,857,0001,697
Average earning assets$369,090,0001,687
Average equity$37,522,0001,961
Average total loans$321,933,0001,439
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9439%3,548
Cost of funding earning assets0.8451%381
Net interest margin3.0987%4,904
Noninterest income to average assets0.4596%3,593
Noninterest expense to average assets2.5079%4,203
Loan and lease loss provision to assets0.0557%3,194
Net operating income to assets0.5686%4,426
Return on assets (ROA)0.5717%4,501
Pretax return on assets0.7777%4,269
Return on Equity (ROE)6.0792%3,997
Retained earnings to average equity (ytd only)6.0792%1,751
Net charge-offs to loans0.1486%1,879
Credit loss provision to net charge-offs46.1039%3,459
Earnings coverage of net charge-offs (x)6.8658%3,160
Efficiency ratio75.1508%2,402
Assets per employee ($millions)6.8152%957
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans1.1076%4,006
Loan loss allowance to noncurrent loans216.2393%2,140
Noncurrent assets plus other real estate owned to assets0.5745%3,373
Noncurrent loans to loans0.5122%3,645
Net loans and leases to total assets80.0045%847
Net loans and leases to deposits124.5784%72
Net loans and leases to core deposits139.4428%172
Total domestic deposits to total assets64.2202%6,046
Equity capital to assets9.3617%4,719
Core capital (leverage) ratio9.5675%4,087
Tier 1 risk-based capital ratio15.7108%2,825
Total risk-based capital ratio16.9639%2,763
Memoranda:
Average total assets$382,516,4001,719
Average earning assets$355,208,8001,703
Average equity$35,975,4001,985
Average total loans$310,806,0001,425
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9618%3,489
Cost of funding earning assets0.8441%389
Net interest margin3.1177%4,918
Noninterest income to average assets0.4506%3,716
Noninterest expense to average assets2.5462%4,062
Loan and lease loss provision to assets0.0513%3,179
Net operating income to assets0.5495%4,591
Return on assets (ROA)0.5536%4,674
Pretax return on assets0.7550%4,472
Return on Equity (ROE)5.8792%4,207
Retained earnings to average equity (ytd only)5.8792%2,323
Net charge-offs to loans0.1612%1,535
Credit loss provision to net charge-offs39.1421%3,169
Earnings coverage of net charge-offs (x)6.1073%3,101
Efficiency ratio76.0765%2,233
Assets per employee ($millions)6.6304%1,013
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.1132%4,150
Loan loss allowance to noncurrent loans187.0341%2,386
Noncurrent assets plus other real estate owned to assets0.6644%3,264
Noncurrent loans to loans0.5952%3,545
Net loans and leases to total assets82.3056%544
Net loans and leases to deposits124.7904%69
Net loans and leases to core deposits139.6169%170
Total domestic deposits to total assets65.9551%6,095
Equity capital to assets9.5152%4,733
Core capital (leverage) ratio9.5931%4,177
Tier 1 risk-based capital ratio15.9240%2,835
Total risk-based capital ratio17.1773%2,778
Memoranda:
Average total assets$379,325,7501,742
Average earning assets$352,386,0001,727
Average equity$35,718,0002,005
Average total loans$308,561,7501,441
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9631%3,433
Cost of funding earning assets0.8428%392
Net interest margin3.1203%4,916
Noninterest income to average assets0.4222%3,907
Noninterest expense to average assets2.6908%3,622
Loan and lease loss provision to assets0.0318%3,486
Net operating income to assets0.4424%4,996
Return on assets (ROA)0.4486%5,075
Pretax return on assets0.6044%4,965
Return on Equity (ROE)4.7817%4,712
Retained earnings to average equity (ytd only)4.7817%3,002
Net charge-offs to loans0.0879%2,156
Credit loss provision to net charge-offs44.7761%2,761
Earnings coverage of net charge-offs (x)8.8433%2,523
Efficiency ratio81.0854%1,612
Assets per employee ($millions)6.3217%1,133
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.1966%3,811
Loan loss allowance to noncurrent loans146.8775%2,839
Noncurrent assets plus other real estate owned to assets1.0696%2,375
Noncurrent loans to loans0.8147%3,088
Net loans and leases to total assets80.8907%686
Net loans and leases to deposits122.5744%79
Net loans and leases to core deposits136.9633%193
Total domestic deposits to total assets65.9932%6,170
Equity capital to assets9.4215%4,752
Core capital (leverage) ratio9.4541%4,334
Tier 1 risk-based capital ratio16.2840%2,716
Total risk-based capital ratio17.5394%2,672
Memoranda:
Average total assets$377,580,0001,761
Average earning assets$350,479,6701,742
Average equity$35,426,6702,028
Average total loans$304,722,3301,460
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9622%3,372
Cost of funding earning assets0.8309%420
Net interest margin3.1313%4,848
Noninterest income to average assets0.3907%4,082
Noninterest expense to average assets2.3561%4,722
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.6700%3,954
Return on assets (ROA)0.6700%4,077
Pretax return on assets0.9397%3,743
Return on Equity (ROE)7.1558%3,426
Retained earnings to average equity (ytd only)7.1558%1,943
Net charge-offs to loans0.1484%1,356
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)7.9018%2,125
Efficiency ratio71.4884%3,250
Assets per employee ($millions)6.2483%1,227
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.2138%3,890
Loan loss allowance to noncurrent loans155.3866%2,715
Noncurrent assets plus other real estate owned to assets1.1577%2,320
Noncurrent loans to loans0.7812%3,300
Net loans and leases to total assets79.8437%703
Net loans and leases to deposits122.3847%72
Net loans and leases to core deposits137.0500%177
Total domestic deposits to total assets65.2400%6,252
Equity capital to assets9.4978%4,754
Core capital (leverage) ratio9.5230%4,237
Tier 1 risk-based capital ratio16.7954%2,563
Total risk-based capital ratio18.0514%2,518
Memoranda:
Average total assets$376,718,5001,771
Average earning assets$349,505,5001,760
Average equity$35,272,0002,051
Average total loans$301,815,0001,471
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9678%3,844
Cost of funding earning assets0.8735%452
Net interest margin3.0944%5,221
Noninterest income to average assets0.4144%4,082
Noninterest expense to average assets2.5056%4,531
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.5656%4,529
Return on assets (ROA)0.6232%4,367
Pretax return on assets0.8579%4,040
Return on Equity (ROE)6.6468%3,817
Retained earnings to average equity (ytd only)6.6468%1,573
Net charge-offs to loans-0.0108%5,574
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2834%2,468
Assets per employee ($millions)6.5266%1,037
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans1.2607%3,659
Loan loss allowance to noncurrent loans93.0975%3,880
Noncurrent assets plus other real estate owned to assets1.5087%1,803
Noncurrent loans to loans1.3542%2,173
Net loans and leases to total assets78.4145%948
Net loans and leases to deposits121.3884%87
Net loans and leases to core deposits136.5582%189
Total domestic deposits to total assets64.5980%6,351
Equity capital to assets9.2294%5,030
Core capital (leverage) ratio9.2154%4,656
Tier 1 risk-based capital ratio15.7512%3,097
Total risk-based capital ratio17.0069%3,030
Memoranda:
Average total assets$358,795,6001,821
Average earning assets$332,800,0001,803
Average equity$33,640,0002,070
Average total loans$287,588,0001,483
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0110%3,714
Cost of funding earning assets0.8795%468
Net interest margin3.1314%5,171
Noninterest income to average assets0.4077%4,184
Noninterest expense to average assets2.4612%4,639
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.6169%4,367
Return on assets (ROA)0.6937%4,064
Pretax return on assets0.9574%3,769
Return on Equity (ROE)7.3677%3,512
Retained earnings to average equity (ytd only)7.3677%1,639
Net charge-offs to loans0.0727%3,157
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)14.5678%2,133
Efficiency ratio74.3117%2,770
Assets per employee ($millions)5.9943%1,340
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans1.2236%4,110
Loan loss allowance to noncurrent loans117.6624%3,271
Noncurrent assets plus other real estate owned to assets1.2876%2,398
Noncurrent loans to loans1.0400%2,992
Net loans and leases to total assets79.5643%765
Net loans and leases to deposits120.9128%86
Net loans and leases to core deposits136.2911%176
Total domestic deposits to total assets65.8031%6,409
Equity capital to assets9.4117%4,906
Core capital (leverage) ratio9.4273%4,473
Tier 1 risk-based capital ratio15.7531%3,185
Total risk-based capital ratio17.0081%3,120
Memoranda:
Average total assets$353,859,2501,857
Average earning assets$328,190,2501,836
Average equity$33,315,7502,095
Average total loans$284,329,7501,505
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0249%3,637
Cost of funding earning assets0.8881%458
Net interest margin3.1369%5,135
Noninterest income to average assets0.3927%4,293
Noninterest expense to average assets2.5525%4,407
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.5472%4,614
Return on assets (ROA)0.6636%4,124
Pretax return on assets0.9088%3,856
Return on Equity (ROE)7.0471%3,602
Retained earnings to average equity (ytd only)7.0471%1,744
Net charge-offs to loans0.1132%2,531
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)8.2453%2,521
Efficiency ratio77.3066%2,407
Assets per employee ($millions)6.5021%1,011
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans1.2512%4,150
Loan loss allowance to noncurrent loans136.0544%2,911
Noncurrent assets plus other real estate owned to assets1.1599%2,761
Noncurrent loans to loans0.9196%3,423
Net loans and leases to total assets79.4476%751
Net loans and leases to deposits121.0485%81
Net loans and leases to core deposits136.7712%166
Total domestic deposits to total assets65.6329%6,485
Equity capital to assets9.4470%4,795
Core capital (leverage) ratio9.4540%4,389
Tier 1 risk-based capital ratio15.7070%3,244
Total risk-based capital ratio16.9623%3,179
Memoranda:
Average total assets$349,929,0001,872
Average earning assets$324,528,0001,854
Average equity$32,949,6702,101
Average total loans$280,929,3301,519
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0030%3,671
Cost of funding earning assets0.8898%481
Net interest margin3.1132%5,203
Noninterest income to average assets0.3791%4,355
Noninterest expense to average assets2.2168%5,423
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.7570%3,369
Return on assets (ROA)0.7570%3,459
Pretax return on assets1.0495%3,136
Return on Equity (ROE)8.0535%2,900
Retained earnings to average equity (ytd only)8.0535%1,575
Net charge-offs to loans0.1081%2,098
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)12.1067%1,739
Efficiency ratio67.8698%4,204
Assets per employee ($millions)6.3052%1,114
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.3245%3,987
Loan loss allowance to noncurrent loans102.1064%3,561
Noncurrent assets plus other real estate owned to assets1.0932%3,064
Noncurrent loans to loans1.2972%2,859
Net loans and leases to total assets79.1421%644
Net loans and leases to deposits119.8873%74
Net loans and leases to core deposits134.2944%155
Total domestic deposits to total assets66.0137%6,557
Equity capital to assets9.5169%4,481
Core capital (leverage) ratio9.5951%4,140
Tier 1 risk-based capital ratio15.9829%3,177
Total risk-based capital ratio17.2393%3,128
Memoranda:
Average total assets$346,084,5001,898
Average earning assets$320,956,0001,880
Average equity$32,532,5002,120
Average total loans$277,534,5001,544
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0086%4,062
Cost of funding earning assets0.9229%658
Net interest margin3.0857%5,357
Noninterest income to average assets0.4144%4,347
Noninterest expense to average assets2.3165%5,322
Loan and lease loss provision to assets0.0898%3,314
Net operating income to assets0.6349%4,095
Return on assets (ROA)0.6386%4,184
Pretax return on assets0.8692%3,887
Return on Equity (ROE)6.8036%3,672
Retained earnings to average equity (ytd only)6.8036%1,526
Net charge-offs to loans0.2998%2,189
Credit loss provision to net charge-offs37.7834%4,085
Earnings coverage of net charge-offs (x)4.0126%3,703
Efficiency ratio70.8322%3,695
Assets per employee ($millions)6.3960%1,035
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans1.3574%3,855
Loan loss allowance to noncurrent loans107.0940%3,437
Noncurrent assets plus other real estate owned to assets1.1049%3,201
Noncurrent loans to loans1.2675%3,011
Net loans and leases to total assets79.0926%699
Net loans and leases to deposits121.6274%63
Net loans and leases to core deposits133.6239%171
Total domestic deposits to total assets65.0286%6,653
Equity capital to assets9.2830%4,708
Core capital (leverage) ratio9.4366%4,359
Tier 1 risk-based capital ratio15.6960%3,255
Total risk-based capital ratio16.9527%3,208
Memoranda:
Average total assets$333,991,8001,923
Average earning assets$309,138,2001,915
Average equity$31,351,2002,164
Average total loans$264,865,2001,574
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0016%4,133
Cost of funding earning assets0.9210%740
Net interest margin3.0806%5,377
Noninterest income to average assets0.4099%4,454
Noninterest expense to average assets2.2870%5,387
Loan and lease loss provision to assets0.0966%3,149
Net operating income to assets0.6449%4,152
Return on assets (ROA)0.6547%4,228
Pretax return on assets0.8894%3,932
Return on Equity (ROE)6.9545%3,675
Retained earnings to average equity (ytd only)6.9545%1,898
Net charge-offs to loans0.2429%2,356
Credit loss provision to net charge-offs50.3145%3,489
Earnings coverage of net charge-offs (x)5.0650%3,291
Efficiency ratio70.1581%3,737
Assets per employee ($millions)6.2361%1,086
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans1.4806%3,534
Loan loss allowance to noncurrent loans101.8256%3,439
Noncurrent assets plus other real estate owned to assets1.2359%3,171
Noncurrent loans to loans1.4541%2,986
Net loans and leases to total assets77.9100%756
Net loans and leases to deposits120.0974%66
Net loans and leases to core deposits130.2537%188
Total domestic deposits to total assets64.8723%6,727
Equity capital to assets9.2416%4,877
Core capital (leverage) ratio9.3565%4,598
Tier 1 risk-based capital ratio15.7332%3,330
Total risk-based capital ratio16.9920%3,283
Memoranda:
Average total assets$331,143,5001,956
Average earning assets$306,335,2501,943
Average equity$31,173,5002,197
Average total loans$261,848,2501,593
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9952%4,133
Cost of funding earning assets0.9293%778
Net interest margin3.0659%5,375
Noninterest income to average assets0.4028%4,503
Noninterest expense to average assets2.3649%5,163
Loan and lease loss provision to assets0.1100%2,963
Net operating income to assets0.5694%4,458
Return on assets (ROA)0.5844%4,556
Pretax return on assets0.7855%4,364
Return on Equity (ROE)6.1679%4,063
Retained earnings to average equity (ytd only)6.1679%2,340
Net charge-offs to loans0.3440%1,808
Credit loss provision to net charge-offs40.4494%3,411
Earnings coverage of net charge-offs (x)3.2180%3,455
Efficiency ratio72.9862%3,311
Assets per employee ($millions)6.1051%1,128
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.5149%3,519
Loan loss allowance to noncurrent loans113.6830%3,142
Noncurrent assets plus other real estate owned to assets1.0447%3,658
Noncurrent loans to loans1.3326%3,325
Net loans and leases to total assets77.2120%839
Net loans and leases to deposits120.4375%68
Net loans and leases to core deposits127.7954%205
Total domestic deposits to total assets64.1096%6,794
Equity capital to assets9.2514%4,920
Core capital (leverage) ratio9.3585%4,457
Tier 1 risk-based capital ratio15.9746%3,209
Total risk-based capital ratio17.2343%3,147
Memoranda:
Average total assets$327,197,0001,983
Average earning assets$302,811,0001,974
Average equity$30,999,0002,220
Average total loans$258,719,6701,607
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0552%3,903
Cost of funding earning assets0.9585%753
Net interest margin3.0967%5,273
Noninterest income to average assets0.3828%4,598
Noninterest expense to average assets2.4403%4,981
Loan and lease loss provision to assets0.2230%1,653
Net operating income to assets0.4435%4,940
Return on assets (ROA)0.4435%5,101
Pretax return on assets0.5810%5,021
Return on Equity (ROE)4.6244%4,773
Retained earnings to average equity (ytd only)4.6244%3,457
Net charge-offs to loans0.0094%3,965
Credit loss provision to net charge-offs3,000.0000%92
Earnings coverage of net charge-offs (x)108.1667%351
Efficiency ratio75.2195%3,055
Assets per employee ($millions)5.9095%1,330
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.7252%2,900
Loan loss allowance to noncurrent loans133.0628%2,637
Noncurrent assets plus other real estate owned to assets1.0725%3,785
Noncurrent loans to loans1.2965%3,616
Net loans and leases to total assets77.5882%653
Net loans and leases to deposits118.8924%74
Net loans and leases to core deposits125.5204%211
Total domestic deposits to total assets65.2592%6,861
Equity capital to assets9.5751%4,743
Core capital (leverage) ratio9.5005%4,079
Tier 1 risk-based capital ratio15.9480%3,301
Total risk-based capital ratio17.2144%3,250
Memoranda:
Average total assets$322,906,5002,032
Average earning assets$298,380,5002,018
Average equity$30,966,5002,242
Average total loans$256,455,0001,630
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4906%3,436
Cost of funding earning assets1.1154%854
Net interest margin3.3752%4,977
Noninterest income to average assets0.1741%6,159
Noninterest expense to average assets2.3676%5,503
Loan and lease loss provision to assets0.2439%2,703
Net operating income to assets0.5060%4,665
Return on assets (ROA)0.5060%4,926
Pretax return on assets0.7078%4,645
Return on Equity (ROE)5.3354%4,513
Retained earnings to average equity (ytd only)5.3354%2,480
Net charge-offs to loans0.1049%4,618
Credit loss provision to net charge-offs284.3866%857
Earnings coverage of net charge-offs (x)11.0967%2,070
Efficiency ratio71.3284%3,562
Assets per employee ($millions)6.4158%1,044
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans1.6594%3,086
Loan loss allowance to noncurrent loans117.5511%2,900
Noncurrent assets plus other real estate owned to assets1.1278%3,772
Noncurrent loans to loans1.4116%3,481
Net loans and leases to total assets78.5718%615
Net loans and leases to deposits117.4339%87
Net loans and leases to core deposits125.7581%225
Total domestic deposits to total assets66.9072%6,881
Equity capital to assets9.6050%4,740
Core capital (leverage) ratio9.5087%4,092
Tier 1 risk-based capital ratio17.6173%2,410
Total risk-based capital ratio18.8631%2,377
Memoranda:
Average total assets$313,644,8002,044
Average earning assets$292,276,4002,019
Average equity$29,744,8002,264
Average total loans$256,368,8001,615
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4722%3,744
Cost of funding earning assets1.1309%941
Net interest margin3.3414%5,244
Noninterest income to average assets0.1599%6,339
Noninterest expense to average assets2.2860%5,726
Loan and lease loss provision to assets0.2501%2,560
Net operating income to assets0.5242%4,736
Return on assets (ROA)0.5242%5,005
Pretax return on assets0.7426%4,696
Return on Equity (ROE)5.5453%4,579
Retained earnings to average equity (ytd only)5.5453%3,008
Net charge-offs to loans0.1305%4,073
Credit loss provision to net charge-offs233.0677%1,190
Earnings coverage of net charge-offs (x)9.2509%2,345
Efficiency ratio69.7223%3,745
Assets per employee ($millions)6.3193%1,050
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans1.5827%3,591
Loan loss allowance to noncurrent loans218.3031%1,640
Noncurrent assets plus other real estate owned to assets0.5931%5,189
Noncurrent loans to loans0.7250%4,980
Net loans and leases to total assets80.5138%468
Net loans and leases to deposits118.8310%82
Net loans and leases to core deposits127.3877%214
Total domestic deposits to total assets67.7549%6,935
Equity capital to assets9.6472%4,999
Core capital (leverage) ratio9.5336%4,220
Tier 1 risk-based capital ratio17.5293%2,533
Total risk-based capital ratio18.7898%2,493
Memoranda:
Average total assets$311,858,0002,085
Average earning assets$291,091,7502,052
Average equity$29,478,0002,301
Average total loans$256,384,7501,628
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5490%3,565
Cost of funding earning assets1.1535%1,014
Net interest margin3.3955%5,107
Noninterest income to average assets0.1874%6,225
Noninterest expense to average assets2.4813%5,203
Loan and lease loss provision to assets0.2609%2,490
Net operating income to assets0.4202%5,148
Return on assets (ROA)0.4638%5,226
Pretax return on assets0.6712%4,909
Return on Equity (ROE)4.9411%4,833
Retained earnings to average equity (ytd only)4.9411%3,308
Net charge-offs to loans0.1658%3,613
Credit loss provision to net charge-offs191.0377%1,482
Earnings coverage of net charge-offs (x)6.3632%2,650
Efficiency ratio74.0627%3,064
Assets per employee ($millions)5.5016%1,620
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.5393%3,824
Loan loss allowance to noncurrent loans290.4341%1,234
Noncurrent assets plus other real estate owned to assets0.4598%5,627
Noncurrent loans to loans0.5300%5,462
Net loans and leases to total assets80.5097%449
Net loans and leases to deposits118.5532%77
Net loans and leases to core deposits126.9820%237
Total domestic deposits to total assets67.9102%6,998
Equity capital to assets9.5034%5,055
Core capital (leverage) ratio9.4460%4,219
Tier 1 risk-based capital ratio17.3733%2,518
Total risk-based capital ratio18.6385%2,477
Memoranda:
Average total assets$310,488,3302,090
Average earning assets$289,208,3302,060
Average equity$29,143,3302,314
Average total loans$255,683,6701,630
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5985%3,506
Cost of funding earning assets1.1660%1,125
Net interest margin3.4326%4,988
Noninterest income to average assets0.4985%3,920
Noninterest expense to average assets2.5507%4,988
Loan and lease loss provision to assets0.2913%2,138
Net operating income to assets0.6577%4,090
Return on assets (ROA)0.6577%4,300
Pretax return on assets0.8545%4,214
Return on Equity (ROE)7.0521%3,757
Retained earnings to average equity (ytd only)7.0521%2,407
Net charge-offs to loans0.3290%2,336
Credit loss provision to net charge-offs107.1429%2,171
Earnings coverage of net charge-offs (x)4.2143%2,632
Efficiency ratio69.0018%3,982
Assets per employee ($millions)5.5850%1,626
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.4351%4,448
Loan loss allowance to noncurrent loans344.2991%967
Noncurrent assets plus other real estate owned to assets0.3814%5,928
Noncurrent loans to loans0.4168%5,836
Net loans and leases to total assets80.9013%341
Net loans and leases to deposits123.6644%59
Net loans and leases to core deposits132.7287%180
Total domestic deposits to total assets65.4200%7,120
Equity capital to assets9.4421%4,882
Core capital (leverage) ratio9.3912%4,206
Tier 1 risk-based capital ratio17.3289%2,538
Total risk-based capital ratio18.5886%2,506
Memoranda:
Average total assets$308,936,5002,108
Average earning assets$287,830,0002,076
Average equity$28,814,0002,334
Average total loans$255,316,0001,631
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9650%3,051
Cost of funding earning assets1.2537%1,711
Net interest margin3.7113%4,249
Noninterest income to average assets0.3946%4,657
Noninterest expense to average assets2.5228%5,394
Loan and lease loss provision to assets0.3933%2,630
Net operating income to assets0.6236%3,866
Return on assets (ROA)0.6236%4,067
Pretax return on assets0.8888%3,643
Return on Equity (ROE)6.6526%3,562
Retained earnings to average equity (ytd only)6.6526%1,666
Net charge-offs to loans0.3301%3,740
Credit loss provision to net charge-offs140.7942%2,090
Earnings coverage of net charge-offs (x)4.5897%3,054
Efficiency ratio66.3044%4,708
Assets per employee ($millions)5.4485%1,694
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans1.2508%5,167
Loan loss allowance to noncurrent loans207.4461%1,590
Noncurrent assets plus other real estate owned to assets0.5149%5,675
Noncurrent loans to loans0.6029%5,512
Net loans and leases to total assets82.1811%327
Net loans and leases to deposits125.3711%66
Net loans and leases to core deposits129.1260%244
Total domestic deposits to total assets65.5503%7,139
Equity capital to assets9.2087%5,271
Core capital (leverage) ratio9.2057%4,454
Tier 1 risk-based capital ratio14.5511%3,934
Total risk-based capital ratio15.4650%4,125
Memoranda:
Average total assets$297,486,4002,152
Average earning assets$273,354,4002,143
Average equity$27,883,8002,335
Average total loans$251,766,6001,663
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0238%2,978
Cost of funding earning assets1.2668%1,889
Net interest margin3.7571%4,079
Noninterest income to average assets0.3911%4,733
Noninterest expense to average assets2.5003%5,461
Loan and lease loss provision to assets0.3654%2,667
Net operating income to assets0.7019%3,613
Return on assets (ROA)0.7019%3,776
Pretax return on assets0.9743%3,503
Return on Equity (ROE)7.4544%3,296
Retained earnings to average equity (ytd only)7.4544%1,732
Net charge-offs to loans0.2664%3,776
Credit loss provision to net charge-offs161.3546%1,904
Earnings coverage of net charge-offs (x)5.9163%2,669
Efficiency ratio65.1122%4,876
Assets per employee ($millions)5.3236%1,782
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans1.2426%5,289
Loan loss allowance to noncurrent loans142.1148%2,127
Noncurrent assets plus other real estate owned to assets0.7797%5,218
Noncurrent loans to loans0.8744%5,110
Net loans and leases to total assets82.3733%326
Net loans and leases to deposits126.0558%62
Net loans and leases to core deposits129.7112%250
Total domestic deposits to total assets65.3467%7,217
Equity capital to assets9.4446%5,171
Core capital (leverage) ratio9.4279%4,257
Tier 1 risk-based capital ratio15.1709%3,564
Total risk-based capital ratio16.0901%3,732
Memoranda:
Average total assets$295,579,5002,170
Average earning assets$271,340,5002,165
Average equity$27,830,5002,342
Average total loans$251,227,7501,679
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0785%2,780
Cost of funding earning assets1.3098%1,881
Net interest margin3.7687%3,947
Noninterest income to average assets0.3175%5,358
Noninterest expense to average assets2.5307%5,433
Loan and lease loss provision to assets0.3687%2,583
Net operating income to assets0.6410%3,848
Return on assets (ROA)0.6410%3,971
Pretax return on assets0.8732%3,745
Return on Equity (ROE)6.8156%3,523
Retained earnings to average equity (ytd only)6.8156%1,962
Net charge-offs to loans0.2753%3,510
Credit loss provision to net charge-offs156.5217%1,945
Earnings coverage of net charge-offs (x)5.2725%2,650
Efficiency ratio67.0829%4,686
Assets per employee ($millions)5.4045%1,652
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.2121%5,498
Loan loss allowance to noncurrent loans133.8631%2,199
Noncurrent assets plus other real estate owned to assets0.8619%5,148
Noncurrent loans to loans0.9055%5,154
Net loans and leases to total assets83.1329%295
Net loans and leases to deposits128.3768%60
Net loans and leases to core deposits128.5378%291
Total domestic deposits to total assets64.7569%7,295
Equity capital to assets9.4215%4,938
Core capital (leverage) ratio9.4166%4,078
Tier 1 risk-based capital ratio14.9037%3,544
Total risk-based capital ratio15.7663%3,752
Memoranda:
Average total assets$292,958,3302,194
Average earning assets$268,580,6702,194
Average equity$27,554,3302,342
Average total loans$250,603,3301,707
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0853%2,713
Cost of funding earning assets1.3412%1,941
Net interest margin3.7442%3,875
Noninterest income to average assets0.3714%4,937
Noninterest expense to average assets2.4400%5,767
Loan and lease loss provision to assets0.3714%2,331
Net operating income to assets0.7469%3,289
Return on assets (ROA)0.7469%3,353
Pretax return on assets0.9889%3,164
Return on Equity (ROE)7.9476%2,935
Retained earnings to average equity (ytd only)7.9476%1,751
Net charge-offs to loans-0.0287%6,701
Credit loss provision to net charge-offs-1,500.0000%6,176
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio64.2056%5,328
Assets per employee ($millions)5.0988%2,026
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.2470%5,413
Loan loss allowance to noncurrent loans108.3189%2,681
Noncurrent assets plus other real estate owned to assets0.9927%4,923
Noncurrent loans to loans1.1512%4,772
Net loans and leases to total assets85.1520%173
Net loans and leases to deposits129.0494%60
Net loans and leases to core deposits129.0494%279
Total domestic deposits to total assets65.9840%7,328
Equity capital to assets9.4986%4,438
Core capital (leverage) ratio9.4899%3,823
Tier 1 risk-based capital ratio15.2500%3,288
Total risk-based capital ratio16.5058%3,245
Memoranda:
Average total assets$290,814,0002,223
Average earning assets$266,334,0002,224
Average equity$27,329,0002,349
Average total loans$250,834,0001,724
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2512%3,356
Cost of funding earning assets1.4956%2,667
Net interest margin3.7556%4,128
Noninterest income to average assets0.4286%4,685
Noninterest expense to average assets2.6477%5,228
Loan and lease loss provision to assets0.3701%3,906
Net operating income to assets0.6251%3,562
Return on assets (ROA)0.6251%3,725
Pretax return on assets0.8607%3,438
Return on Equity (ROE)6.9637%3,142
Retained earnings to average equity (ytd only)6.9637%1,344
Net charge-offs to loans0.5881%3,271
Credit loss provision to net charge-offs73.7381%5,767
Earnings coverage of net charge-offs (x)2.4523%3,901
Efficiency ratio68.2673%4,507
Assets per employee ($millions)5.1052%2,005
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.1308%5,823
Loan loss allowance to noncurrent loans90.2129%3,164
Noncurrent assets plus other real estate owned to assets1.0815%4,844
Noncurrent loans to loans1.2535%4,626
Net loans and leases to total assets85.3019%218
Net loans and leases to deposits128.6652%72
Net loans and leases to core deposits128.9687%346
Total domestic deposits to total assets66.2976%7,380
Equity capital to assets9.2963%4,696
Core capital (leverage) ratio9.2910%4,020
Tier 1 risk-based capital ratio14.7579%3,393
Total risk-based capital ratio16.0118%3,346
Memoranda:
Average total assets$292,102,6002,200
Average earning assets$268,318,0002,193
Average equity$26,221,6002,435
Average total loans$249,267,4001,765
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3031%3,341
Cost of funding earning assets1.5111%2,908
Net interest margin3.7920%3,998
Noninterest income to average assets0.4100%4,877
Noninterest expense to average assets2.6440%5,140
Loan and lease loss provision to assets0.3698%3,680
Net operating income to assets0.6535%3,628
Return on assets (ROA)0.6535%3,800
Pretax return on assets0.8806%3,623
Return on Equity (ROE)7.3446%3,178
Retained earnings to average equity (ytd only)7.3446%1,674
Net charge-offs to loans0.3274%4,025
Credit loss provision to net charge-offs132.7332%3,043
Earnings coverage of net charge-offs (x)4.4877%3,031
Efficiency ratio67.8923%4,482
Assets per employee ($millions)5.0193%2,151
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.3912%4,514
Loan loss allowance to noncurrent loans127.0030%2,237
Noncurrent assets plus other real estate owned to assets0.9577%5,174
Noncurrent loans to loans1.0954%5,051
Net loans and leases to total assets84.8302%276
Net loans and leases to deposits121.8734%103
Net loans and leases to core deposits129.4552%388
Total domestic deposits to total assets69.6051%7,291
Equity capital to assets9.3824%5,010
Core capital (leverage) ratio9.3186%4,181
Tier 1 risk-based capital ratio14.5766%3,471
Total risk-based capital ratio15.8344%3,434
Memoranda:
Average total assets$292,379,0002,229
Average earning assets$268,664,7502,226
Average equity$26,014,0002,496
Average total loans$248,818,0001,788
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3359%3,285
Cost of funding earning assets1.5007%3,256
Net interest margin3.8352%3,735
Noninterest income to average assets0.3803%5,081
Noninterest expense to average assets2.7453%4,714
Loan and lease loss provision to assets0.3674%3,504
Net operating income to assets0.5990%3,885
Return on assets (ROA)0.5990%4,020
Pretax return on assets0.7946%3,903
Return on Equity (ROE)6.8538%3,369
Retained earnings to average equity (ytd only)6.8538%1,901
Net charge-offs to loans0.4894%3,074
Credit loss provision to net charge-offs88.5434%4,461
Earnings coverage of net charge-offs (x)2.8003%3,588
Efficiency ratio70.2590%4,139
Assets per employee ($millions)5.0064%2,183
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.2836%5,016
Loan loss allowance to noncurrent loans89.8518%3,025
Noncurrent assets plus other real estate owned to assets1.2670%4,611
Noncurrent loans to loans1.4286%4,565
Net loans and leases to total assets86.4612%196
Net loans and leases to deposits117.3934%158
Net loans and leases to core deposits135.1817%339
Total domestic deposits to total assets73.6508%7,019
Equity capital to assets9.3409%4,943
Core capital (leverage) ratio9.3095%4,100
Tier 1 risk-based capital ratio13.9009%3,799
Total risk-based capital ratio15.1561%3,755
Memoranda:
Average total assets$294,471,6702,238
Average earning assets$270,806,0002,224
Average equity$25,737,6702,510
Average total loans$249,716,0001,818
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3965%3,051
Cost of funding earning assets1.4830%3,676
Net interest margin3.9135%3,267
Noninterest income to average assets0.4391%4,567
Noninterest expense to average assets2.4780%5,812
Loan and lease loss provision to assets0.3582%3,227
Net operating income to assets0.8716%2,666
Return on assets (ROA)0.8716%2,749
Pretax return on assets1.2085%2,337
Return on Equity (ROE)10.3008%2,008
Retained earnings to average equity (ytd only)10.3008%1,083
Net charge-offs to loans0.7848%1,954
Credit loss provision to net charge-offs54.6559%4,408
Earnings coverage of net charge-offs (x)2.3907%3,346
Efficiency ratio61.2660%5,949
Assets per employee ($millions)4.9507%2,301
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.2056%5,474
Loan loss allowance to noncurrent loans97.9418%2,833
Noncurrent assets plus other real estate owned to assets1.0630%5,022
Noncurrent loans to loans1.2310%4,917
Net loans and leases to total assets84.1064%360
Net loans and leases to deposits122.8015%116
Net loans and leases to core deposits136.7831%374
Total domestic deposits to total assets68.4897%7,503
Equity capital to assets8.8705%5,445
Core capital (leverage) ratio8.8574%4,784
Tier 1 risk-based capital ratio13.4613%4,017
Total risk-based capital ratio14.7150%3,975
Memoranda:
Average total assets$301,528,5002,243
Average earning assets$277,809,5002,223
Average equity$25,512,5002,564
Average total loans$251,797,5001,852
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5617%3,802
Cost of funding earning assets1.7328%4,348
Net interest margin3.8289%3,585
Noninterest income to average assets0.4204%5,048
Noninterest expense to average assets2.6550%5,576
Loan and lease loss provision to assets0.5522%3,609
Net operating income to assets0.5493%3,531
Return on assets (ROA)0.7815%2,691
Pretax return on assets1.0724%2,335
Return on Equity (ROE)9.5028%1,856
Retained earnings to average equity (ytd only)9.5028%427
Net charge-offs to loans0.1715%5,577
Credit loss provision to net charge-offs395.0739%803
Earnings coverage of net charge-offs (x)9.3473%1,815
Efficiency ratio67.0201%5,175
Assets per employee ($millions)5.3615%1,780
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.2635%4,971
Loan loss allowance to noncurrent loans93.8246%2,984
Noncurrent assets plus other real estate owned to assets1.1423%4,809
Noncurrent loans to loans1.3466%4,676
Net loans and leases to total assets80.9442%844
Net loans and leases to deposits136.0054%69
Net loans and leases to core deposits162.3116%316
Total domestic deposits to total assets59.5154%7,811
Equity capital to assets8.0765%6,497
Core capital (leverage) ratio8.1078%5,977
Tier 1 risk-based capital ratio12.6133%4,432
Total risk-based capital ratio13.8631%4,373
Memoranda:
Average total assets$290,465,8002,276
Average earning assets$268,640,8002,249
Average equity$23,887,8002,735
Average total loans$236,757,8001,981
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6292%3,697
Cost of funding earning assets1.7988%4,388
Net interest margin3.8304%3,524
Noninterest income to average assets0.4327%5,022
Noninterest expense to average assets2.7335%5,175
Loan and lease loss provision to assets0.4958%3,416
Net operating income to assets0.5428%3,820
Return on assets (ROA)0.8537%2,665
Pretax return on assets1.1803%2,324
Return on Equity (ROE)10.3301%1,808
Retained earnings to average equity (ytd only)10.3301%575
Net charge-offs to loans0.1677%5,049
Credit loss provision to net charge-offs363.3562%1,121
Earnings coverage of net charge-offs (x)9.1200%2,148
Efficiency ratio68.7184%4,840
Assets per employee ($millions)5.2532%1,837
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.1343%5,513
Loan loss allowance to noncurrent loans148.8806%1,913
Noncurrent assets plus other real estate owned to assets0.6712%5,803
Noncurrent loans to loans0.7619%5,785
Net loans and leases to total assets79.8991%1,187
Net loans and leases to deposits133.1286%92
Net loans and leases to core deposits158.0609%414
Total domestic deposits to total assets60.0165%7,876
Equity capital to assets8.1170%6,723
Core capital (leverage) ratio8.1311%6,135
Tier 1 risk-based capital ratio12.6837%4,402
Total risk-based capital ratio13.9332%4,358
Memoranda:
Average total assets$285,341,0002,324
Average earning assets$264,090,7502,302
Average equity$23,581,0002,799
Average total loans$232,215,0002,040
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7421%3,330
Cost of funding earning assets1.8654%4,441
Net interest margin3.8767%3,222
Noninterest income to average assets0.4733%4,688
Noninterest expense to average assets2.8735%4,609
Loan and lease loss provision to assets0.3492%3,831
Net operating income to assets0.5902%3,717
Return on assets (ROA)1.0606%1,987
Pretax return on assets1.4959%1,452
Return on Equity (ROE)12.7513%1,230
Retained earnings to average equity (ytd only)12.7513%353
Net charge-offs to loans-0.0387%7,810
Credit loss provision to net charge-offs-1,106.8182%7,127
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.8451%4,617
Assets per employee ($millions)5.2502%1,817
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.0679%5,798
Loan loss allowance to noncurrent loans124.7559%2,368
Noncurrent assets plus other real estate owned to assets0.6966%5,664
Noncurrent loans to loans0.8560%5,506
Net loans and leases to total assets80.5072%1,225
Net loans and leases to deposits134.8027%96
Net loans and leases to core deposits162.1288%420
Total domestic deposits to total assets59.7223%7,937
Equity capital to assets8.1524%6,557
Core capital (leverage) ratio8.3771%5,661
Tier 1 risk-based capital ratio13.0651%4,094
Total risk-based capital ratio14.3166%4,016
Memoranda:
Average total assets$278,893,6702,385
Average earning assets$257,743,3302,374
Average equity$23,197,6702,848
Average total loans$227,542,6702,102
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9345%2,626
Cost of funding earning assets1.9302%4,489
Net interest margin4.0043%2,622
Noninterest income to average assets0.4526%4,744
Noninterest expense to average assets2.4339%6,081
Loan and lease loss provision to assets0.2654%3,843
Net operating income to assets1.0540%2,121
Return on assets (ROA)1.0540%2,254
Pretax return on assets1.4477%1,821
Return on Equity (ROE)12.5373%1,504
Retained earnings to average equity (ytd only)12.5373%704
Net charge-offs to loans-0.0866%7,839
Credit loss provision to net charge-offs-375.0000%6,355
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio58.6918%6,591
Assets per employee ($millions)5.0253%2,048
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.9918%6,249
Loan loss allowance to noncurrent loans177.1226%1,853
Noncurrent assets plus other real estate owned to assets0.4602%6,104
Noncurrent loans to loans0.5600%6,013
Net loans and leases to total assets81.3741%1,124
Net loans and leases to deposits130.3116%144
Net loans and leases to core deposits154.7933%586
Total domestic deposits to total assets62.4458%7,897
Equity capital to assets8.3925%6,243
Core capital (leverage) ratio8.6217%5,298
Tier 1 risk-based capital ratio13.3754%3,938
Total risk-based capital ratio14.6255%3,853
Memoranda:
Average total assets$271,335,0002,450
Average earning assets$250,333,5002,443
Average equity$22,812,0002,891
Average total loans$221,686,5002,168
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5520%2,708
Cost of funding earning assets2.4649%4,393
Net interest margin4.0870%2,772
Noninterest income to average assets0.4564%4,991
Noninterest expense to average assets2.5680%5,757
Loan and lease loss provision to assets0.1856%5,035
Net operating income to assets1.1963%1,780
Return on assets (ROA)0.8892%2,885
Pretax return on assets1.0801%3,098
Return on Equity (ROE)10.1640%2,198
Retained earnings to average equity (ytd only)10.1640%426
Net charge-offs to loans0.1529%4,671
Credit loss provision to net charge-offs145.3968%3,629
Earnings coverage of net charge-offs (x)12.8476%2,196
Efficiency ratio61.0228%6,158
Assets per employee ($millions)5.0242%1,929
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.9361%6,469
Loan loss allowance to noncurrent loans105.0337%3,310
Noncurrent assets plus other real estate owned to assets0.7237%5,057
Noncurrent loans to loans0.8913%4,839
Net loans and leases to total assets80.4364%1,563
Net loans and leases to deposits135.7945%142
Net loans and leases to core deposits164.2140%504
Total domestic deposits to total assets59.2339%7,986
Equity capital to assets8.4227%6,218
Core capital (leverage) ratio8.6773%5,240
Tier 1 risk-based capital ratio13.4020%3,871
Total risk-based capital ratio14.5708%3,821
Memoranda:
Average total assets$246,729,8002,589
Average earning assets$226,496,6002,582
Average equity$21,586,0003,029
Average total loans$206,057,0002,240