Home > The Callaway Bank > Performance and Condition Ratios

The Callaway Bank, Performance and Condition Ratios

2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8190%1,274
Cost of funding earning assets0.1822%3,153
Net interest margin3.6367%1,011
Noninterest income to average assets0.9838%697
Noninterest expense to average assets2.7039%1,384
Loan and lease loss provision to assets0.0378%1,907
Net operating income to assets1.3035%1,127
Return on assets (ROA)1.3038%1,109
Pretax return on assets1.6662%811
Return on Equity (ROE)15.4615%804
Retained earnings to average equity (ytd only)13.7762%385
Net charge-offs to loans-0.1786%4,574
Credit loss provision to net charge-offs-28.9389%3,001
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio61.3469%3,132
Assets per employee ($millions)7.6876%1,489
Cash dividends to net income (ytd only)*10.8997%2,750
Condition Ratios (%)
Loss allowance to loans1.2192%2,594
Loan loss allowance to noncurrent loans342.0267%1,992
Noncurrent assets plus other real estate owned to assets0.2736%1,942
Noncurrent loans to loans0.3565%2,079
Net loans and leases to total assets75.2275%799
Net loans and leases to deposits87.0272%906
Net loans and leases to core deposits89.9831%1,122
Total domestic deposits to total assets86.4415%3,129
Equity capital to assets8.4010%2,836
Core capital (leverage) ratio9.2938%3,139
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$475,685,6671,807
Average earning assets$447,818,0001,793
Average equity$40,112,6671,986
Average total loans$348,315,0001,534
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7803%1,121
Cost of funding earning assets0.1922%2,910
Net interest margin3.5880%916
Noninterest income to average assets0.7256%1,233
Noninterest expense to average assets2.8230%1,115
Loan and lease loss provision to assets0.0751%1,100
Net operating income to assets0.9547%2,056
Return on assets (ROA)0.9686%2,000
Pretax return on assets1.2266%1,711
Return on Equity (ROE)11.4650%1,471
Retained earnings to average equity (ytd only)9.9627%1,033
Net charge-offs to loans-0.3489%4,673
Credit loss provision to net charge-offs-30.0000%2,795
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.7335%2,407
Assets per employee ($millions)8.2881%1,215
Cash dividends to net income (ytd only)*13.1034%2,103
Condition Ratios (%)
Loss allowance to loans1.2442%2,631
Loan loss allowance to noncurrent loans367.8239%1,837
Noncurrent assets plus other real estate owned to assets0.2457%2,166
Noncurrent loans to loans0.3383%2,270
Net loans and leases to total assets71.7257%860
Net loans and leases to deposits82.7945%956
Net loans and leases to core deposits85.4797%1,161
Total domestic deposits to total assets86.6310%3,058
Equity capital to assets8.2085%3,396
Core capital (leverage) ratio8.7275%3,636
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$479,056,5001,800
Average earning assets$451,499,5001,783
Average equity$40,471,0002,033
Average total loans$343,908,0001,538
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7334%2,025
Cost of funding earning assets0.2331%3,103
Net interest margin3.5003%1,732
Noninterest income to average assets0.9253%1,144
Noninterest expense to average assets3.1919%741
Loan and lease loss provision to assets0.1030%1,219
Net operating income to assets0.7872%3,369
Return on assets (ROA)0.7903%3,431
Pretax return on assets0.9311%3,419
Return on Equity (ROE)8.9776%2,921
Retained earnings to average equity (ytd only)7.1514%1,862
Net charge-offs to loans0.0653%1,141
Credit loss provision to net charge-offs217.1946%1,265
Earnings coverage of net charge-offs (x)21.7240%1,815
Efficiency ratio75.5960%1,142
Assets per employee ($millions)7.8263%1,428
Cash dividends to net income (ytd only)*20.3422%3,012
Condition Ratios (%)
Loss allowance to loans1.1675%3,034
Loan loss allowance to noncurrent loans353.9839%1,843
Noncurrent assets plus other real estate owned to assets0.2340%2,388
Noncurrent loans to loans0.3298%2,407
Net loans and leases to total assets70.1138%1,031
Net loans and leases to deposits81.7250%1,086
Net loans and leases to core deposits84.2680%1,310
Total domestic deposits to total assets85.7924%2,973
Equity capital to assets8.6893%3,896
Core capital (leverage) ratio8.7594%3,655
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$465,924,0001,789
Average earning assets$438,872,8001,773
Average equity$41,013,0002,051
Average total loans$338,480,4001,561
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7615%2,117
Cost of funding earning assets0.2542%3,081
Net interest margin3.5072%1,845
Noninterest income to average assets0.8555%1,365
Noninterest expense to average assets2.9015%1,124
Loan and lease loss provision to assets0.1037%1,166
Net operating income to assets0.9437%3,110
Return on assets (ROA)0.9485%3,166
Pretax return on assets1.1569%3,053
Return on Equity (ROE)10.7393%2,465
Retained earnings to average equity (ytd only)9.2396%1,600
Net charge-offs to loans0.0528%1,127
Credit loss provision to net charge-offs268.6567%1,055
Earnings coverage of net charge-offs (x)32.5224%1,483
Efficiency ratio69.8095%1,622
Assets per employee ($millions)8.3966%1,091
Cash dividends to net income (ytd only)*13.9648%2,817
Condition Ratios (%)
Loss allowance to loans1.1591%3,170
Loan loss allowance to noncurrent loans353.8809%1,757
Noncurrent assets plus other real estate owned to assets0.2356%2,599
Noncurrent loans to loans0.3275%2,612
Net loans and leases to total assets71.1070%971
Net loans and leases to deposits82.7710%1,046
Net loans and leases to core deposits85.3469%1,332
Total domestic deposits to total assets85.9081%2,785
Equity capital to assets8.9273%3,900
Core capital (leverage) ratio8.9448%3,616
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$463,053,7501,819
Average earning assets$435,810,2501,804
Average equity$40,895,5002,082
Average total loans$338,430,2501,591
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7917%2,093
Cost of funding earning assets0.2852%2,917
Net interest margin3.5064%1,842
Noninterest income to average assets1.0884%941
Noninterest expense to average assets2.8480%1,258
Loan and lease loss provision to assets0.1042%1,211
Net operating income to assets1.1554%2,349
Return on assets (ROA)1.1596%2,397
Pretax return on assets1.4396%2,212
Return on Equity (ROE)13.1787%1,654
Retained earnings to average equity (ytd only)11.6591%987
Net charge-offs to loans0.0567%1,051
Credit loss provision to net charge-offs250.0000%965
Earnings coverage of net charge-offs (x)36.9167%1,207
Efficiency ratio64.9248%2,309
Assets per employee ($millions)7.7874%1,314
Cash dividends to net income (ytd only)*11.5313%2,819
Condition Ratios (%)
Loss allowance to loans1.1463%3,211
Loan loss allowance to noncurrent loans320.9030%1,794
Noncurrent assets plus other real estate owned to assets0.4651%1,798
Noncurrent loans to loans0.3572%2,617
Net loans and leases to total assets70.8344%1,106
Net loans and leases to deposits82.6125%1,162
Net loans and leases to core deposits85.2725%1,471
Total domestic deposits to total assets85.7429%2,822
Equity capital to assets8.8913%3,898
Core capital (leverage) ratio8.6885%3,797
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$460,669,3331,817
Average earning assets$433,316,6671,804
Average equity$40,535,0002,080
Average total loans$338,483,3331,599
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9092%1,812
Cost of funding earning assets0.3291%2,715
Net interest margin3.5801%1,634
Noninterest income to average assets1.1789%877
Noninterest expense to average assets2.8020%1,364
Loan and lease loss provision to assets0.1049%1,301
Net operating income to assets1.2956%1,842
Return on assets (ROA)1.3039%1,893
Pretax return on assets1.6503%1,603
Return on Equity (ROE)14.8986%1,239
Retained earnings to average equity (ytd only)13.3398%852
Net charge-offs to loans0.0635%899
Credit loss provision to net charge-offs222.2222%856
Earnings coverage of net charge-offs (x)36.9444%1,010
Efficiency ratio61.6272%2,817
Assets per employee ($millions)8.1511%1,127
Cash dividends to net income (ytd only)*10.4628%2,246
Condition Ratios (%)
Loss allowance to loans1.1004%3,428
Loan loss allowance to noncurrent loans284.7086%1,832
Noncurrent assets plus other real estate owned to assets0.5192%1,827
Noncurrent loans to loans0.3865%2,705
Net loans and leases to total assets70.2892%1,250
Net loans and leases to deposits82.3387%1,313
Net loans and leases to core deposits86.1758%1,507
Total domestic deposits to total assets85.3659%2,973
Equity capital to assets8.4146%4,186
Core capital (leverage) ratio8.7603%3,856
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$457,383,0001,818
Average earning assets$430,264,0001,806
Average equity$40,030,5002,086
Average total loans$340,322,0001,595
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3653%1,678
Cost of funding earning assets0.5798%2,447
Net interest margin3.7855%1,542
Noninterest income to average assets0.9169%1,226
Noninterest expense to average assets3.5411%655
Loan and lease loss provision to assets0.1580%2,395
Net operating income to assets0.6105%3,714
Return on assets (ROA)0.6352%3,760
Pretax return on assets0.7577%3,745
Return on Equity (ROE)6.6947%3,331
Retained earnings to average equity (ytd only)4.4247%2,581
Net charge-offs to loans0.0362%2,328
Credit loss provision to net charge-offs555.5556%1,170
Earnings coverage of net charge-offs (x)31.1624%1,575
Efficiency ratio79.9824%894
Assets per employee ($millions)6.6747%1,798
Cash dividends to net income (ytd only)*33.9074%2,661
Condition Ratios (%)
Loss allowance to loans1.0904%3,505
Loan loss allowance to noncurrent loans279.0785%1,815
Noncurrent assets plus other real estate owned to assets0.5762%1,835
Noncurrent loans to loans0.3907%2,812
Net loans and leases to total assets77.2516%671
Net loans and leases to deposits92.3799%756
Net loans and leases to core deposits97.2538%1,047
Total domestic deposits to total assets83.6238%3,231
Equity capital to assets9.1261%3,950
Core capital (leverage) ratio8.8562%3,834
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$411,394,0001,825
Average earning assets$381,512,2001,829
Average equity$39,030,6002,053
Average total loans$322,812,0001,598
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3766%1,906
Cost of funding earning assets0.6326%2,418
Net interest margin3.7440%1,784
Noninterest income to average assets1.2775%666
Noninterest expense to average assets3.2930%915
Loan and lease loss provision to assets0.1742%2,241
Net operating income to assets1.0225%2,245
Return on assets (ROA)1.0528%2,266
Pretax return on assets1.3114%2,005
Return on Equity (ROE)10.9846%1,683
Retained earnings to average equity (ytd only)8.7802%1,043
Net charge-offs to loans0.0381%2,085
Credit loss provision to net charge-offs582.4176%1,175
Earnings coverage of net charge-offs (x)48.4176%1,216
Efficiency ratio69.4622%1,966
Assets per employee ($millions)7.5704%1,175
Cash dividends to net income (ytd only)*20.0687%2,771
Condition Ratios (%)
Loss allowance to loans1.0728%3,349
Loan loss allowance to noncurrent loans319.7158%1,558
Noncurrent assets plus other real estate owned to assets0.9216%1,237
Noncurrent loans to loans0.3356%3,077
Net loans and leases to total assets76.9308%971
Net loans and leases to deposits91.7591%1,097
Net loans and leases to core deposits96.4333%1,419
Total domestic deposits to total assets83.8400%2,873
Equity capital to assets9.3815%3,785
Core capital (leverage) ratio9.2548%3,504
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$405,779,0001,822
Average earning assets$375,347,5001,827
Average equity$38,889,7502,051
Average total loans$318,801,5001,618
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4867%1,950
Cost of funding earning assets0.6833%2,483
Net interest margin3.8033%1,829
Noninterest income to average assets1.2261%672
Noninterest expense to average assets3.2900%1,012
Loan and lease loss provision to assets0.1813%2,210
Net operating income to assets1.0060%2,297
Return on assets (ROA)1.0443%2,302
Pretax return on assets1.3087%1,999
Return on Equity (ROE)10.8136%1,699
Retained earnings to average equity (ytd only)9.0253%1,000
Net charge-offs to loans0.0262%2,195
Credit loss provision to net charge-offs878.0488%860
Earnings coverage of net charge-offs (x)69.8537%879
Efficiency ratio69.5254%2,013
Assets per employee ($millions)6.8131%1,552
Cash dividends to net income (ytd only)*16.5381%2,878
Condition Ratios (%)
Loss allowance to loans1.0710%3,228
Loan loss allowance to noncurrent loans264.6388%1,719
Noncurrent assets plus other real estate owned to assets0.9855%1,219
Noncurrent loans to loans0.4047%2,954
Net loans and leases to total assets74.8913%1,288
Net loans and leases to deposits89.2246%1,425
Net loans and leases to core deposits96.7573%1,520
Total domestic deposits to total assets83.9357%2,765
Equity capital to assets9.2296%3,897
Core capital (leverage) ratio9.4877%3,360
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$397,201,6671,819
Average earning assets$366,151,6671,832
Average equity$38,359,0002,061
Average total loans$313,213,6671,626
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6581%1,824
Cost of funding earning assets0.7724%2,533
Net interest margin3.8858%1,718
Noninterest income to average assets0.9885%882
Noninterest expense to average assets3.2456%1,330
Loan and lease loss provision to assets0.2518%1,233
Net operating income to assets0.8467%2,726
Return on assets (ROA)0.9014%2,623
Pretax return on assets1.1396%2,395
Return on Equity (ROE)9.1067%2,069
Retained earnings to average equity (ytd only)7.4317%1,399
Net charge-offs to loans-0.0039%3,786
Credit loss provision to net charge-offs-8,000.0000%3,943
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0544%2,209
Assets per employee ($millions)6.2663%1,482
Cash dividends to net income (ytd only)*18.3935%2,365
Condition Ratios (%)
Loss allowance to loans1.1037%3,184
Loan loss allowance to noncurrent loans238.2085%1,827
Noncurrent assets plus other real estate owned to assets1.1197%1,150
Noncurrent loans to loans0.4633%2,861
Net loans and leases to total assets79.7956%719
Net loans and leases to deposits95.7522%934
Net loans and leases to core deposits104.8922%1,125
Total domestic deposits to total assets83.3355%3,003
Equity capital to assets9.9418%3,844
Core capital (leverage) ratio9.9624%3,501
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$381,189,5001,837
Average earning assets$351,128,5001,847
Average equity$37,730,5002,080
Average total loans$307,354,0001,612
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6661%2,420
Cost of funding earning assets0.8290%2,532
Net interest margin3.8372%2,380
Noninterest income to average assets0.9408%1,091
Noninterest expense to average assets3.5282%929
Loan and lease loss provision to assets0.1294%1,657
Net operating income to assets0.6829%3,919
Return on assets (ROA)0.6871%3,971
Pretax return on assets0.8330%3,913
Return on Equity (ROE)7.0647%3,532
Retained earnings to average equity (ytd only)4.2032%2,858
Net charge-offs to loans0.0482%2,430
Credit loss provision to net charge-offs339.1608%815
Earnings coverage of net charge-offs (x)25.0909%1,745
Efficiency ratio78.6568%1,073
Assets per employee ($millions)6.9115%1,077
Cash dividends to net income (ytd only)*40.5049%2,577
Condition Ratios (%)
Loss allowance to loans1.0320%3,311
Loan loss allowance to noncurrent loans210.8739%2,002
Noncurrent assets plus other real estate owned to assets1.1443%1,044
Noncurrent loans to loans0.4894%2,719
Net loans and leases to total assets79.7425%821
Net loans and leases to deposits99.7788%620
Net loans and leases to core deposits109.2443%896
Total domestic deposits to total assets79.9192%3,996
Equity capital to assets9.8541%4,054
Core capital (leverage) ratio9.7042%3,839
Tier 1 risk-based capital ratio11.6421%4,557
Total risk-based capital ratio12.6738%4,545
Memoranda:
Average total assets$374,783,6001,824
Average earning assets$346,217,0001,829
Average equity$36,448,8002,075
Average total loans$296,880,0001,619
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6415%2,595
Cost of funding earning assets0.8357%2,533
Net interest margin3.8058%2,576
Noninterest income to average assets1.0111%917
Noninterest expense to average assets3.4539%1,004
Loan and lease loss provision to assets0.1303%1,485
Net operating income to assets0.7661%3,787
Return on assets (ROA)0.7687%3,848
Pretax return on assets0.9436%3,756
Return on Equity (ROE)7.9306%3,343
Retained earnings to average equity (ytd only)5.1606%2,813
Net charge-offs to loans0.0158%2,837
Credit loss provision to net charge-offs1,042.8571%335
Earnings coverage of net charge-offs (x)85.6775%819
Efficiency ratio76.3355%1,291
Assets per employee ($millions)6.6836%1,166
Cash dividends to net income (ytd only)*34.9280%2,389
Condition Ratios (%)
Loss allowance to loans1.0189%3,462
Loan loss allowance to noncurrent loans373.4282%1,257
Noncurrent assets plus other real estate owned to assets1.0432%1,276
Noncurrent loans to loans0.2728%3,565
Net loans and leases to total assets78.8900%1,006
Net loans and leases to deposits99.4197%686
Net loans and leases to core deposits107.8354%1,064
Total domestic deposits to total assets79.3505%4,108
Equity capital to assets9.6249%4,359
Core capital (leverage) ratio9.8150%3,833
Tier 1 risk-based capital ratio11.6189%4,609
Total risk-based capital ratio12.6480%4,618
Memoranda:
Average total assets$373,445,7501,847
Average earning assets$344,761,7501,849
Average equity$36,196,2502,095
Average total loans$294,527,5001,641
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6191%2,617
Cost of funding earning assets0.8062%2,610
Net interest margin3.8130%2,543
Noninterest income to average assets1.0078%862
Noninterest expense to average assets3.4998%960
Loan and lease loss provision to assets0.1329%1,404
Net operating income to assets0.7317%3,891
Return on assets (ROA)0.7317%3,952
Pretax return on assets0.8977%3,852
Return on Equity (ROE)7.5311%3,482
Retained earnings to average equity (ytd only)4.0977%3,197
Net charge-offs to loans0.0069%2,902
Credit loss provision to net charge-offs2,450.0000%153
Earnings coverage of net charge-offs (x)190.0000%404
Efficiency ratio77.2510%1,241
Assets per employee ($millions)6.2017%1,403
Cash dividends to net income (ytd only)*45.5893%1,981
Condition Ratios (%)
Loss allowance to loans1.0368%3,405
Loan loss allowance to noncurrent loans286.3977%1,637
Noncurrent assets plus other real estate owned to assets1.1795%1,139
Noncurrent loans to loans0.3620%3,233
Net loans and leases to total assets78.3179%1,163
Net loans and leases to deposits96.7289%960
Net loans and leases to core deposits105.7007%1,261
Total domestic deposits to total assets80.9664%3,824
Equity capital to assets9.8275%4,112
Core capital (leverage) ratio9.8143%3,810
Tier 1 risk-based capital ratio11.9317%4,459
Total risk-based capital ratio12.9767%4,460
Memoranda:
Average total assets$368,710,6701,877
Average earning assets$340,628,0001,864
Average equity$35,824,6702,105
Average total loans$289,714,6701,662
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5644%2,651
Cost of funding earning assets0.8058%2,506
Net interest margin3.7586%2,674
Noninterest income to average assets0.9329%961
Noninterest expense to average assets3.7077%746
Loan and lease loss provision to assets0.1362%1,272
Net operating income to assets0.4708%4,597
Return on assets (ROA)0.4708%4,619
Pretax return on assets0.5613%4,581
Return on Equity (ROE)4.8741%4,355
Retained earnings to average equity (ytd only)3.2945%3,600
Net charge-offs to loans0.0209%2,035
Credit loss provision to net charge-offs833.3333%432
Earnings coverage of net charge-offs (x)42.6667%1,113
Efficiency ratio84.1663%697
Assets per employee ($millions)5.8896%1,631
Cash dividends to net income (ytd only)*32.4074%2,160
Condition Ratios (%)
Loss allowance to loans1.0188%3,589
Loan loss allowance to noncurrent loans401.7833%1,249
Noncurrent assets plus other real estate owned to assets1.1097%1,248
Noncurrent loans to loans0.2536%3,654
Net loans and leases to total assets77.9274%1,166
Net loans and leases to deposits92.7836%1,306
Net loans and leases to core deposits102.5032%1,412
Total domestic deposits to total assets83.9883%3,049
Equity capital to assets9.8108%4,002
Core capital (leverage) ratio9.7685%3,846
Tier 1 risk-based capital ratio12.1526%4,378
Total risk-based capital ratio13.1881%4,391
Memoranda:
Average total assets$367,016,0001,892
Average earning assets$339,059,0001,886
Average equity$35,453,0002,119
Average total loans$287,335,0001,683
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3314%2,998
Cost of funding earning assets0.5386%3,122
Net interest margin3.7928%2,684
Noninterest income to average assets0.8021%1,440
Noninterest expense to average assets3.3164%1,285
Loan and lease loss provision to assets0.1129%1,951
Net operating income to assets0.7192%4,083
Return on assets (ROA)0.7032%4,135
Pretax return on assets0.8433%4,059
Return on Equity (ROE)7.6192%3,605
Retained earnings to average equity (ytd only)5.7049%2,358
Net charge-offs to loans0.1565%1,227
Credit loss provision to net charge-offs94.8081%2,644
Earnings coverage of net charge-offs (x)8.1896%2,918
Efficiency ratio77.2696%1,206
Assets per employee ($millions)5.7637%1,706
Cash dividends to net income (ytd only)*25.1243%3,273
Condition Ratios (%)
Loss allowance to loans0.9813%3,800
Loan loss allowance to noncurrent loans423.7594%1,245
Noncurrent assets plus other real estate owned to assets1.0481%1,299
Noncurrent loans to loans0.2316%3,754
Net loans and leases to total assets77.0900%1,428
Net loans and leases to deposits101.9730%594
Net loans and leases to core deposits110.0739%995
Total domestic deposits to total assets75.5984%4,798
Equity capital to assets9.5103%4,121
Core capital (leverage) ratio9.4978%4,110
Tier 1 risk-based capital ratio12.0585%4,392
Total risk-based capital ratio13.0568%4,436
Memoranda:
Average total assets$371,883,0001,821
Average earning assets$342,172,8001,841
Average equity$34,321,2002,101
Average total loans$282,996,4001,662
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2417%3,170
Cost of funding earning assets0.4802%3,326
Net interest margin3.7614%2,786
Noninterest income to average assets1.0058%950
Noninterest expense to average assets3.2474%1,415
Loan and lease loss provision to assets0.0966%2,047
Net operating income to assets0.9025%3,516
Return on assets (ROA)0.8874%3,593
Pretax return on assets1.1038%3,384
Return on Equity (ROE)9.6878%2,759
Retained earnings to average equity (ytd only)8.3011%1,514
Net charge-offs to loans0.1750%951
Credit loss provision to net charge-offs72.9730%2,603
Earnings coverage of net charge-offs (x)9.2108%2,658
Efficiency ratio72.7011%1,776
Assets per employee ($millions)5.8459%1,612
Cash dividends to net income (ytd only)*14.3145%3,238
Condition Ratios (%)
Loss allowance to loans0.9594%4,013
Loan loss allowance to noncurrent loans432.4921%1,239
Noncurrent assets plus other real estate owned to assets1.2156%1,144
Noncurrent loans to loans0.2218%3,917
Net loans and leases to total assets74.4912%1,904
Net loans and leases to deposits99.9227%792
Net loans and leases to core deposits107.0115%1,229
Total domestic deposits to total assets74.5488%4,931
Equity capital to assets9.1935%4,374
Core capital (leverage) ratio9.5203%4,150
Tier 1 risk-based capital ratio12.0683%4,464
Total risk-based capital ratio13.0370%4,500
Memoranda:
Average total assets$372,635,2501,830
Average earning assets$342,876,5001,844
Average equity$34,131,2502,110
Average total loans$281,949,7501,680
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1759%3,186
Cost of funding earning assets0.4294%3,500
Net interest margin3.7465%2,763
Noninterest income to average assets1.0108%936
Noninterest expense to average assets3.1941%1,544
Loan and lease loss provision to assets0.1027%1,892
Net operating income to assets0.9295%3,323
Return on assets (ROA)0.9066%3,436
Pretax return on assets1.1356%3,181
Return on Equity (ROE)9.9103%2,604
Retained earnings to average equity (ytd only)8.4633%1,421
Net charge-offs to loans0.2337%683
Credit loss provision to net charge-offs57.9268%2,442
Earnings coverage of net charge-offs (x)7.1494%2,571
Efficiency ratio71.5999%2,068
Assets per employee ($millions)5.6406%1,765
Cash dividends to net income (ytd only)*14.6007%3,175
Condition Ratios (%)
Loss allowance to loans0.9537%4,094
Loan loss allowance to noncurrent loans279.3388%1,740
Noncurrent assets plus other real estate owned to assets1.3221%1,066
Noncurrent loans to loans0.3414%3,477
Net loans and leases to total assets75.4337%1,729
Net loans and leases to deposits94.7165%1,282
Net loans and leases to core deposits103.6694%1,420
Total domestic deposits to total assets79.6415%4,321
Equity capital to assets9.2427%4,341
Core capital (leverage) ratio9.3903%4,261
Tier 1 risk-based capital ratio12.1174%4,423
Total risk-based capital ratio13.0961%4,476
Memoranda:
Average total assets$370,185,0001,843
Average earning assets$340,906,6701,862
Average equity$33,863,6702,129
Average total loans$280,667,0001,688
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0803%3,301
Cost of funding earning assets0.3902%3,662
Net interest margin3.6902%2,839
Noninterest income to average assets1.0197%880
Noninterest expense to average assets3.2920%1,361
Loan and lease loss provision to assets0.0488%2,804
Net operating income to assets0.8540%3,483
Return on assets (ROA)0.8138%3,661
Pretax return on assets1.0305%3,427
Return on Equity (ROE)8.9429%2,931
Retained earnings to average equity (ytd only)7.6330%1,978
Net charge-offs to loans0.0845%1,303
Credit loss provision to net charge-offs76.2712%1,779
Earnings coverage of net charge-offs (x)17.6780%1,570
Efficiency ratio74.4425%1,834
Assets per employee ($millions)6.0701%1,454
Cash dividends to net income (ytd only)*14.6471%2,506
Condition Ratios (%)
Loss allowance to loans1.0092%3,894
Loan loss allowance to noncurrent loans204.7791%2,202
Noncurrent assets plus other real estate owned to assets1.4130%1,018
Noncurrent loans to loans0.4928%3,038
Net loans and leases to total assets74.9168%1,721
Net loans and leases to deposits93.9094%1,234
Net loans and leases to core deposits102.5964%1,474
Total domestic deposits to total assets79.7756%4,450
Equity capital to assets9.1148%4,442
Core capital (leverage) ratio9.3089%4,312
Tier 1 risk-based capital ratio12.0116%4,539
Total risk-based capital ratio13.0477%4,562
Memoranda:
Average total assets$369,136,5001,862
Average earning assets$340,365,0001,871
Average equity$33,591,0002,157
Average total loans$279,235,5001,698
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0323%3,297
Cost of funding earning assets0.3318%3,856
Net interest margin3.7004%2,800
Noninterest income to average assets0.9578%1,115
Noninterest expense to average assets3.3686%1,257
Loan and lease loss provision to assets0.0358%3,550
Net operating income to assets0.6629%3,765
Return on assets (ROA)0.6633%3,803
Pretax return on assets0.9451%3,756
Return on Equity (ROE)7.3382%3,103
Retained earnings to average equity (ytd only)5.3665%1,891
Net charge-offs to loans0.0173%3,517
Credit loss provision to net charge-offs282.6087%994
Earnings coverage of net charge-offs (x)77.3696%792
Efficiency ratio77.4576%1,429
Assets per employee ($millions)5.9355%1,559
Cash dividends to net income (ytd only)*26.8688%3,430
Condition Ratios (%)
Loss allowance to loans1.0214%3,801
Loan loss allowance to noncurrent loans256.4982%1,885
Noncurrent assets plus other real estate owned to assets1.3476%1,065
Noncurrent loans to loans0.3982%3,330
Net loans and leases to total assets74.8382%1,786
Net loans and leases to deposits95.6267%1,119
Net loans and leases to core deposits103.4510%1,450
Total domestic deposits to total assets78.2608%4,675
Equity capital to assets9.0848%4,636
Core capital (leverage) ratio9.0488%4,589
Tier 1 risk-based capital ratio11.8333%4,637
Total risk-based capital ratio12.8784%4,655
Memoranda:
Average total assets$363,023,8001,853
Average earning assets$332,692,4001,879
Average equity$32,814,6002,180
Average total loans$265,603,0001,734
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9832%3,409
Cost of funding earning assets0.3243%3,900
Net interest margin3.6589%2,919
Noninterest income to average assets0.9998%1,025
Noninterest expense to average assets3.3297%1,283
Loan and lease loss provision to assets0.0498%3,099
Net operating income to assets0.6745%4,104
Return on assets (ROA)0.6748%4,161
Pretax return on assets0.9682%3,806
Return on Equity (ROE)7.4747%3,403
Retained earnings to average equity (ytd only)5.9806%2,250
Net charge-offs to loans0.0864%1,932
Credit loss provision to net charge-offs79.4118%2,592
Earnings coverage of net charge-offs (x)16.2412%2,175
Efficiency ratio76.5938%1,512
Assets per employee ($millions)6.0395%1,464
Cash dividends to net income (ytd only)*19.9892%3,138
Condition Ratios (%)
Loss allowance to loans0.9882%4,126
Loan loss allowance to noncurrent loans338.6816%1,440
Noncurrent assets plus other real estate owned to assets1.4066%1,101
Noncurrent loans to loans0.2918%3,897
Net loans and leases to total assets74.0543%1,905
Net loans and leases to deposits94.2756%1,269
Net loans and leases to core deposits102.3119%1,523
Total domestic deposits to total assets78.5509%4,619
Equity capital to assets9.0961%4,823
Core capital (leverage) ratio9.0057%4,727
Tier 1 risk-based capital ratio11.8798%4,710
Total risk-based capital ratio12.8959%4,742
Memoranda:
Average total assets$361,780,2501,874
Average earning assets$330,982,2501,896
Average equity$32,660,2502,204
Average total loans$262,442,5001,758
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9202%3,487
Cost of funding earning assets0.3034%4,047
Net interest margin3.6168%2,968
Noninterest income to average assets1.0112%996
Noninterest expense to average assets3.2572%1,454
Loan and lease loss provision to assets0.0501%2,987
Net operating income to assets0.6991%3,859
Return on assets (ROA)0.7003%3,912
Pretax return on assets1.0073%3,543
Return on Equity (ROE)7.7772%3,157
Retained earnings to average equity (ytd only)6.2267%2,002
Net charge-offs to loans-0.0155%4,678
Credit loss provision to net charge-offs-450.0000%4,645
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5223%1,797
Assets per employee ($millions)6.1370%1,367
Cash dividends to net income (ytd only)*19.9365%3,118
Condition Ratios (%)
Loss allowance to loans1.0747%3,716
Loan loss allowance to noncurrent loans392.3393%1,275
Noncurrent assets plus other real estate owned to assets1.3875%1,136
Noncurrent loans to loans0.2739%4,064
Net loans and leases to total assets71.6972%2,250
Net loans and leases to deposits93.3582%1,324
Net loans and leases to core deposits100.4035%1,621
Total domestic deposits to total assets76.7980%4,989
Equity capital to assets8.9949%4,910
Core capital (leverage) ratio9.0237%4,694
Tier 1 risk-based capital ratio12.0638%4,596
Total risk-based capital ratio13.1633%4,587
Memoranda:
Average total assets$359,569,6701,887
Average earning assets$328,248,0001,916
Average equity$32,376,6702,208
Average total loans$258,115,6701,775
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8465%3,592
Cost of funding earning assets0.2799%4,259
Net interest margin3.5666%3,023
Noninterest income to average assets0.9537%1,097
Noninterest expense to average assets3.3656%1,259
Loan and lease loss provision to assets0.0507%2,794
Net operating income to assets0.5686%4,288
Return on assets (ROA)0.5686%4,332
Pretax return on assets0.7938%4,127
Return on Equity (ROE)6.3116%3,761
Retained earnings to average equity (ytd only)4.8743%2,968
Net charge-offs to loans0.0552%1,782
Credit loss provision to net charge-offs128.5714%1,323
Earnings coverage of net charge-offs (x)21.4286%1,444
Efficiency ratio79.9412%1,389
Assets per employee ($millions)5.6089%1,799
Cash dividends to net income (ytd only)*22.7723%2,473
Condition Ratios (%)
Loss allowance to loans1.0767%3,846
Loan loss allowance to noncurrent loans302.5137%1,593
Noncurrent assets plus other real estate owned to assets1.5274%1,037
Noncurrent loans to loans0.3559%3,817
Net loans and leases to total assets70.8436%2,244
Net loans and leases to deposits91.1566%1,411
Net loans and leases to core deposits97.7228%1,680
Total domestic deposits to total assets77.7163%5,005
Equity capital to assets8.9875%4,813
Core capital (leverage) ratio9.0979%4,623
Tier 1 risk-based capital ratio12.1601%4,612
Total risk-based capital ratio13.2513%4,611
Memoranda:
Average total assets$355,245,5001,915
Average earning assets$324,345,0001,941
Average equity$32,004,5002,238
Average total loans$253,738,5001,813
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9139%3,525
Cost of funding earning assets0.2382%4,672
Net interest margin3.6757%2,799
Noninterest income to average assets1.1034%941
Noninterest expense to average assets3.6358%965
Loan and lease loss provision to assets-0.0263%5,531
Net operating income to assets0.6240%4,107
Return on assets (ROA)0.6434%4,138
Pretax return on assets0.8810%3,909
Return on Equity (ROE)6.9764%3,479
Retained earnings to average equity (ytd only)5.0266%2,330
Net charge-offs to loans0.0909%2,399
Credit loss provision to net charge-offs-40.9091%4,805
Earnings coverage of net charge-offs (x)12.8955%2,411
Efficiency ratio81.4478%1,265
Assets per employee ($millions)5.6697%1,721
Cash dividends to net income (ytd only)*27.9492%3,405
Condition Ratios (%)
Loss allowance to loans1.1014%3,707
Loan loss allowance to noncurrent loans532.4324%1,014
Noncurrent assets plus other real estate owned to assets1.4531%1,168
Noncurrent loans to loans0.2069%4,416
Net loans and leases to total assets70.4492%2,411
Net loans and leases to deposits89.8352%1,707
Net loans and leases to core deposits96.4065%1,888
Total domestic deposits to total assets78.4205%4,913
Equity capital to assets9.0312%4,782
Core capital (leverage) ratio9.2043%4,471
Tier 1 risk-based capital ratio12.1686%4,603
Total risk-based capital ratio13.2707%4,597
Memoranda:
Average total assets$342,569,0001,937
Average earning assets$313,191,4001,957
Average equity$31,592,0002,249
Average total loans$241,986,0001,836
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9187%3,523
Cost of funding earning assets0.2398%4,708
Net interest margin3.6789%2,795
Noninterest income to average assets1.1322%898
Noninterest expense to average assets3.6258%959
Loan and lease loss provision to assets-0.0525%5,721
Net operating income to assets0.6684%4,006
Return on assets (ROA)0.6895%4,041
Pretax return on assets0.9536%3,801
Return on Equity (ROE)7.4370%3,333
Retained earnings to average equity (ytd only)5.8946%2,244
Net charge-offs to loans0.1006%1,941
Credit loss provision to net charge-offs-74.0331%4,720
Earnings coverage of net charge-offs (x)12.2927%2,402
Efficiency ratio80.6185%1,356
Assets per employee ($millions)5.3204%2,029
Cash dividends to net income (ytd only)*20.7384%3,204
Condition Ratios (%)
Loss allowance to loans1.1244%3,704
Loan loss allowance to noncurrent loans583.2627%937
Noncurrent assets plus other real estate owned to assets1.4710%1,230
Noncurrent loans to loans0.1928%4,577
Net loans and leases to total assets70.0008%2,486
Net loans and leases to deposits89.1781%1,859
Net loans and leases to core deposits95.7289%2,023
Total domestic deposits to total assets78.4954%4,820
Equity capital to assets9.3517%4,819
Core capital (leverage) ratio9.1973%4,594
Tier 1 risk-based capital ratio12.2853%4,619
Total risk-based capital ratio13.4028%4,603
Memoranda:
Average total assets$340,330,2501,948
Average earning assets$311,317,7501,970
Average equity$31,553,2502,267
Average total loans$239,881,5001,855
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9470%3,438
Cost of funding earning assets0.2394%4,759
Net interest margin3.7075%2,668
Noninterest income to average assets1.0730%972
Noninterest expense to average assets3.5256%1,119
Loan and lease loss provision to assets-0.1064%5,882
Net operating income to assets0.7497%3,548
Return on assets (ROA)0.7646%3,621
Pretax return on assets1.0688%3,330
Return on Equity (ROE)8.2708%2,851
Retained earnings to average equity (ytd only)6.6729%1,775
Net charge-offs to loans0.1007%1,825
Credit loss provision to net charge-offs-150.0000%4,663
Earnings coverage of net charge-offs (x)13.2833%2,139
Efficiency ratio78.9181%1,653
Assets per employee ($millions)5.4573%1,834
Cash dividends to net income (ytd only)*19.3199%3,220
Condition Ratios (%)
Loss allowance to loans1.1404%3,714
Loan loss allowance to noncurrent loans483.9161%1,095
Noncurrent assets plus other real estate owned to assets1.5087%1,264
Noncurrent loans to loans0.2357%4,500
Net loans and leases to total assets69.7923%2,511
Net loans and leases to deposits87.8837%2,012
Net loans and leases to core deposits93.4146%2,218
Total domestic deposits to total assets79.4144%4,691
Equity capital to assets9.3245%4,948
Core capital (leverage) ratio9.1998%4,594
Tier 1 risk-based capital ratio12.2056%4,699
Total risk-based capital ratio13.3342%4,694
Memoranda:
Average total assets$338,497,3301,970
Average earning assets$309,909,6701,987
Average equity$31,290,6702,288
Average total loans$238,230,0001,865
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8083%3,915
Cost of funding earning assets0.2423%4,780
Net interest margin3.5659%3,220
Noninterest income to average assets0.4002%3,829
Noninterest expense to average assets3.3004%1,603
Loan and lease loss provision to assets-0.3216%6,056
Net operating income to assets0.5071%4,601
Return on assets (ROA)0.5300%4,611
Pretax return on assets0.7122%4,487
Return on Equity (ROE)5.7593%4,098
Retained earnings to average equity (ytd only)4.2709%3,343
Net charge-offs to loans0.1407%1,266
Credit loss provision to net charge-offs-325.3012%4,449
Earnings coverage of net charge-offs (x)3.6386%2,517
Efficiency ratio90.1725%666
Assets per employee ($millions)5.1642%2,176
Cash dividends to net income (ytd only)*25.8427%2,455
Condition Ratios (%)
Loss allowance to loans1.1438%3,809
Loan loss allowance to noncurrent loans163.7515%2,587
Noncurrent assets plus other real estate owned to assets1.7595%1,069
Noncurrent loans to loans0.6985%3,096
Net loans and leases to total assets69.9051%2,355
Net loans and leases to deposits86.5877%2,006
Net loans and leases to core deposits91.7229%2,210
Total domestic deposits to total assets80.7332%4,574
Equity capital to assets9.2999%4,887
Core capital (leverage) ratio9.1185%4,710
Tier 1 risk-based capital ratio12.0725%4,870
Total risk-based capital ratio13.1938%4,863
Memoranda:
Average total assets$335,839,5001,995
Average earning assets$307,017,0002,014
Average equity$30,906,5002,310
Average total loans$235,983,5001,875
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9154%3,651
Cost of funding earning assets0.2276%5,031
Net interest margin3.6878%2,791
Noninterest income to average assets1.1442%901
Noninterest expense to average assets3.7148%960
Loan and lease loss provision to assets0.1686%1,361
Net operating income to assets0.4391%4,916
Return on assets (ROA)0.4527%4,958
Pretax return on assets0.6219%4,775
Return on Equity (ROE)4.8715%4,569
Retained earnings to average equity (ytd only)2.8662%4,023
Net charge-offs to loans0.1760%1,630
Credit loss provision to net charge-offs141.3882%1,860
Earnings coverage of net charge-offs (x)6.4730%3,218
Efficiency ratio82.7982%1,296
Assets per employee ($millions)5.0910%2,259
Cash dividends to net income (ytd only)*41.1645%2,788
Condition Ratios (%)
Loss allowance to loans1.3078%2,855
Loan loss allowance to noncurrent loans178.4759%2,464
Noncurrent assets plus other real estate owned to assets2.0779%834
Noncurrent loans to loans0.7327%2,985
Net loans and leases to total assets68.9070%2,559
Net loans and leases to deposits87.5533%1,930
Net loans and leases to core deposits92.6885%2,160
Total domestic deposits to total assets78.7029%5,031
Equity capital to assets9.1057%5,014
Core capital (leverage) ratio9.0113%4,868
Tier 1 risk-based capital ratio11.7731%5,094
Total risk-based capital ratio13.0158%5,013
Memoranda:
Average total assets$326,265,8002,015
Average earning assets$295,706,2002,044
Average equity$30,319,0002,298
Average total loans$220,998,4001,921
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9269%3,647
Cost of funding earning assets0.2252%5,133
Net interest margin3.7017%2,762
Noninterest income to average assets1.1561%892
Noninterest expense to average assets3.6179%1,091
Loan and lease loss provision to assets0.1647%1,290
Net operating income to assets0.5142%4,740
Return on assets (ROA)0.5291%4,778
Pretax return on assets0.7444%4,522
Return on Equity (ROE)5.6638%4,325
Retained earnings to average equity (ytd only)3.9096%3,682
Net charge-offs to loans0.2243%1,164
Credit loss provision to net charge-offs109.2896%2,124
Earnings coverage of net charge-offs (x)5.8934%3,137
Efficiency ratio80.2906%1,619
Assets per employee ($millions)4.9415%2,370
Cash dividends to net income (ytd only)*30.9726%2,774
Condition Ratios (%)
Loss allowance to loans1.2742%3,235
Loan loss allowance to noncurrent loans162.8461%2,651
Noncurrent assets plus other real estate owned to assets2.2293%846
Noncurrent loans to loans0.7824%3,007
Net loans and leases to total assets67.8143%2,704
Net loans and leases to deposits85.7736%2,168
Net loans and leases to core deposits91.9028%2,275
Total domestic deposits to total assets79.0620%4,960
Equity capital to assets9.1788%5,138
Core capital (leverage) ratio9.1475%4,811
Tier 1 risk-based capital ratio11.9323%5,119
Total risk-based capital ratio13.1410%5,067
Memoranda:
Average total assets$323,830,2502,040
Average earning assets$293,050,0002,071
Average equity$30,249,7502,316
Average total loans$217,597,7501,946
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9454%3,511
Cost of funding earning assets0.2204%5,250
Net interest margin3.7250%2,600
Noninterest income to average assets1.1927%851
Noninterest expense to average assets3.6758%1,018
Loan and lease loss provision to assets0.1876%1,070
Net operating income to assets0.4927%4,806
Return on assets (ROA)0.5154%4,805
Pretax return on assets0.7230%4,588
Return on Equity (ROE)5.4838%4,383
Retained earnings to average equity (ytd only)3.6004%3,735
Net charge-offs to loans0.1679%1,462
Credit loss provision to net charge-offs167.5978%1,423
Earnings coverage of net charge-offs (x)7.8492%2,620
Efficiency ratio80.7059%1,660
Assets per employee ($millions)4.7826%2,568
Cash dividends to net income (ytd only)*34.3447%2,646
Condition Ratios (%)
Loss allowance to loans1.3738%2,880
Loan loss allowance to noncurrent loans136.1511%3,013
Noncurrent assets plus other real estate owned to assets2.4473%782
Noncurrent loans to loans1.0090%2,628
Net loans and leases to total assets66.8415%2,809
Net loans and leases to deposits82.4200%2,504
Net loans and leases to core deposits86.3748%2,729
Total domestic deposits to total assets81.0986%4,584
Equity capital to assets9.2756%4,929
Core capital (leverage) ratio9.3871%4,442
Tier 1 risk-based capital ratio12.2908%4,941
Total risk-based capital ratio13.5413%4,845
Memoranda:
Average total assets$319,765,3302,076
Average earning assets$288,589,6702,112
Average equity$30,052,0002,335
Average total loans$213,192,3301,986
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8621%3,777
Cost of funding earning assets0.2195%5,321
Net interest margin3.6426%2,845
Noninterest income to average assets1.1254%887
Noninterest expense to average assets3.5012%1,307
Loan and lease loss provision to assets0.1893%993
Net operating income to assets0.5150%4,596
Return on assets (ROA)0.5185%4,710
Pretax return on assets0.7267%4,517
Return on Equity (ROE)5.4809%4,293
Retained earnings to average equity (ytd only)3.5073%3,893
Net charge-offs to loans0.0840%1,873
Credit loss provision to net charge-offs340.9091%741
Earnings coverage of net charge-offs (x)16.4091%1,569
Efficiency ratio79.3537%1,978
Assets per employee ($millions)4.7160%2,741
Cash dividends to net income (ytd only)*36.0097%2,165
Condition Ratios (%)
Loss allowance to loans1.4288%2,792
Loan loss allowance to noncurrent loans118.0643%3,303
Noncurrent assets plus other real estate owned to assets2.5810%817
Noncurrent loans to loans1.2102%2,350
Net loans and leases to total assets64.8194%2,970
Net loans and leases to deposits79.1417%2,665
Net loans and leases to core deposits81.7969%2,981
Total domestic deposits to total assets81.9030%4,537
Equity capital to assets9.4525%4,801
Core capital (leverage) ratio9.4617%4,333
Tier 1 risk-based capital ratio12.5929%4,840
Total risk-based capital ratio13.8437%4,760
Memoranda:
Average total assets$317,038,0002,103
Average earning assets$286,058,5002,133
Average equity$29,995,0002,355
Average total loans$209,583,5002,016
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8907%4,150
Cost of funding earning assets0.2297%5,528
Net interest margin3.6610%3,175
Noninterest income to average assets1.0678%1,065
Noninterest expense to average assets3.2517%2,073
Loan and lease loss provision to assets0.2190%1,122
Net operating income to assets0.6715%4,027
Return on assets (ROA)0.7255%3,871
Pretax return on assets0.9915%3,530
Return on Equity (ROE)7.7084%3,268
Retained earnings to average equity (ytd only)5.8537%2,019
Net charge-offs to loans0.6654%576
Credit loss provision to net charge-offs50.2606%3,473
Earnings coverage of net charge-offs (x)2.6083%4,108
Efficiency ratio74.0998%2,815
Assets per employee ($millions)4.8967%2,460
Cash dividends to net income (ytd only)*24.0608%3,656
Condition Ratios (%)
Loss allowance to loans1.3957%2,970
Loan loss allowance to noncurrent loans156.2903%2,723
Noncurrent assets plus other real estate owned to assets2.4203%960
Noncurrent loans to loans0.8930%3,084
Net loans and leases to total assets65.5351%2,974
Net loans and leases to deposits81.4692%2,547
Net loans and leases to core deposits84.0422%2,897
Total domestic deposits to total assets80.4415%4,897
Equity capital to assets9.4697%4,751
Core capital (leverage) ratio9.5147%4,221
Tier 1 risk-based capital ratio13.6317%4,335
Total risk-based capital ratio14.8837%4,268
Memoranda:
Average total assets$308,204,4002,112
Average earning assets$279,537,4002,135
Average equity$29,007,4002,345
Average total loans$201,829,6002,022
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8885%4,212
Cost of funding earning assets0.2356%5,549
Net interest margin3.6530%3,211
Noninterest income to average assets1.1469%911
Noninterest expense to average assets2.9181%3,059
Loan and lease loss provision to assets0.2932%677
Net operating income to assets0.8761%3,041
Return on assets (ROA)0.9436%2,805
Pretax return on assets1.3467%2,209
Return on Equity (ROE)10.0414%2,202
Retained earnings to average equity (ytd only)8.4418%1,172
Net charge-offs to loans1.1108%262
Credit loss provision to net charge-offs40.4676%3,281
Earnings coverage of net charge-offs (x)2.1301%3,988
Efficiency ratio65.4041%4,310
Assets per employee ($millions)4.9532%2,294
Cash dividends to net income (ytd only)*15.9299%3,353
Condition Ratios (%)
Loss allowance to loans1.2643%3,855
Loan loss allowance to noncurrent loans148.7608%2,760
Noncurrent assets plus other real estate owned to assets2.5067%1,048
Noncurrent loans to loans0.8499%3,441
Net loans and leases to total assets65.6371%2,931
Net loans and leases to deposits79.9991%2,690
Net loans and leases to core deposits82.4127%3,061
Total domestic deposits to total assets82.0473%4,461
Equity capital to assets9.6918%4,560
Core capital (leverage) ratio9.6078%4,228
Tier 1 risk-based capital ratio13.9487%4,253
Total risk-based capital ratio15.1992%4,196
Memoranda:
Average total assets$306,908,5002,129
Average earning assets$278,488,5002,156
Average equity$28,840,0002,365
Average total loans$200,215,5002,049
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9443%3,952
Cost of funding earning assets0.2415%5,570
Net interest margin3.7029%2,953
Noninterest income to average assets1.1243%935
Noninterest expense to average assets2.6548%4,033
Loan and lease loss provision to assets0.2249%1,026
Net operating income to assets1.1007%1,937
Return on assets (ROA)1.1628%1,783
Pretax return on assets1.7044%1,010
Return on Equity (ROE)12.5051%1,306
Retained earnings to average equity (ytd only)10.8859%554
Net charge-offs to loans0.0865%2,828
Credit loss provision to net charge-offs401.1628%693
Earnings coverage of net charge-offs (x)32.7907%1,191
Efficiency ratio59.0889%5,416
Assets per employee ($millions)4.7557%2,538
Cash dividends to net income (ytd only)*12.9484%3,383
Condition Ratios (%)
Loss allowance to loans1.9048%1,579
Loan loss allowance to noncurrent loans242.5047%1,808
Noncurrent assets plus other real estate owned to assets2.3056%1,289
Noncurrent loans to loans0.7855%3,735
Net loans and leases to total assets63.8734%3,088
Net loans and leases to deposits75.6547%3,106
Net loans and leases to core deposits78.1615%3,424
Total domestic deposits to total assets84.4275%3,760
Equity capital to assets9.5409%4,701
Core capital (leverage) ratio9.5440%4,260
Tier 1 risk-based capital ratio14.0821%4,208
Total risk-based capital ratio15.3404%4,129
Memoranda:
Average total assets$306,846,0002,129
Average earning assets$279,133,6702,146
Average equity$28,532,3302,371
Average total loans$198,904,0002,058
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8717%4,206
Cost of funding earning assets0.2485%5,592
Net interest margin3.6232%3,164
Noninterest income to average assets1.0638%987
Noninterest expense to average assets1.8619%6,128
Loan and lease loss provision to assets0.2355%940
Net operating income to assets1.5166%786
Return on assets (ROA)1.6107%683
Pretax return on assets2.4285%254
Return on Equity (ROE)17.5531%474
Retained earnings to average equity (ytd only)15.9133%271
Net charge-offs to loans0.0728%2,420
Credit loss provision to net charge-offs500.0000%530
Earnings coverage of net charge-offs (x)53.5278%719
Efficiency ratio42.4776%6,536
Assets per employee ($millions)4.7477%2,601
Cash dividends to net income (ytd only)*9.3420%2,712
Condition Ratios (%)
Loss allowance to loans1.8689%1,846
Loan loss allowance to noncurrent loans259.8882%1,685
Noncurrent assets plus other real estate owned to assets2.2589%1,459
Noncurrent loans to loans0.7191%4,069
Net loans and leases to total assets63.2774%3,018
Net loans and leases to deposits75.8792%2,822
Net loans and leases to core deposits78.1141%3,192
Total domestic deposits to total assets83.3923%4,479
Equity capital to assets9.3346%4,719
Core capital (leverage) ratio9.4827%4,310
Tier 1 risk-based capital ratio14.1001%4,264
Total risk-based capital ratio15.3581%4,208
Memoranda:
Average total assets$305,708,5002,143
Average earning assets$280,083,5002,147
Average equity$28,052,0002,404
Average total loans$197,716,0002,073
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9792%4,156
Cost of funding earning assets0.3129%5,489
Net interest margin3.6662%3,191
Noninterest income to average assets1.2321%920
Noninterest expense to average assets3.6560%1,359
Loan and lease loss provision to assets0.3456%920
Net operating income to assets0.4119%5,108
Return on assets (ROA)0.4397%5,117
Pretax return on assets0.6157%4,821
Return on Equity (ROE)4.6956%4,781
Retained earnings to average equity (ytd only)3.0392%4,067
Net charge-offs to loans0.5680%1,156
Credit loss provision to net charge-offs95.6157%2,618
Earnings coverage of net charge-offs (x)2.5513%4,159
Efficiency ratio79.8556%2,170
Assets per employee ($millions)4.5881%2,740
Cash dividends to net income (ytd only)*35.2761%3,035
Condition Ratios (%)
Loss allowance to loans1.8199%2,007
Loan loss allowance to noncurrent loans202.0916%2,071
Noncurrent assets plus other real estate owned to assets2.4137%1,436
Noncurrent loans to loans0.9005%3,735
Net loans and leases to total assets63.6899%3,098
Net loans and leases to deposits77.9820%2,722
Net loans and leases to core deposits80.2695%3,101
Total domestic deposits to total assets81.6726%4,983
Equity capital to assets9.0144%5,024
Core capital (leverage) ratio9.2491%4,637
Tier 1 risk-based capital ratio13.5762%4,593
Total risk-based capital ratio14.8333%4,539
Memoranda:
Average total assets$296,556,4002,162
Average earning assets$270,658,6002,172
Average equity$27,770,4002,396
Average total loans$188,739,2002,113
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9680%4,249
Cost of funding earning assets0.3320%5,451
Net interest margin3.6360%3,297
Noninterest income to average assets1.2764%900
Noninterest expense to average assets3.5914%1,416
Loan and lease loss provision to assets0.3616%878
Net operating income to assets0.4579%4,994
Return on assets (ROA)0.4881%5,004
Pretax return on assets0.6820%4,741
Return on Equity (ROE)5.1632%4,645
Retained earnings to average equity (ytd only)3.5139%4,192
Net charge-offs to loans0.3740%1,704
Credit loss provision to net charge-offs152.6718%1,543
Earnings coverage of net charge-offs (x)4.2290%3,495
Efficiency ratio78.1933%2,391
Assets per employee ($millions)4.4011%3,047
Cash dividends to net income (ytd only)*31.9446%2,615
Condition Ratios (%)
Loss allowance to loans2.0334%1,644
Loan loss allowance to noncurrent loans112.5939%3,180
Noncurrent assets plus other real estate owned to assets3.2465%1,091
Noncurrent loans to loans1.8059%2,489
Net loans and leases to total assets62.7533%3,209
Net loans and leases to deposits74.9671%3,093
Net loans and leases to core deposits77.1556%3,477
Total domestic deposits to total assets83.7078%4,313
Equity capital to assets9.1345%5,011
Core capital (leverage) ratio9.3557%4,599
Tier 1 risk-based capital ratio13.8577%4,528
Total risk-based capital ratio15.1173%4,480
Memoranda:
Average total assets$294,992,0002,189
Average earning assets$269,078,0002,196
Average equity$27,888,7502,419
Average total loans$186,814,7502,133
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9833%4,173
Cost of funding earning assets0.3520%5,388
Net interest margin3.6313%3,240
Noninterest income to average assets1.2174%1,037
Noninterest expense to average assets3.6230%1,376
Loan and lease loss provision to assets0.3917%808
Net operating income to assets0.3890%5,253
Return on assets (ROA)0.4319%5,255
Pretax return on assets0.5695%5,134
Return on Equity (ROE)4.5168%4,990
Retained earnings to average equity (ytd only)2.8782%4,480
Net charge-offs to loans0.4180%1,545
Credit loss provision to net charge-offs148.5788%1,551
Earnings coverage of net charge-offs (x)3.4315%3,386
Efficiency ratio80.0181%2,153
Assets per employee ($millions)4.3668%3,061
Cash dividends to net income (ytd only)*36.2776%2,403
Condition Ratios (%)
Loss allowance to loans2.0604%1,717
Loan loss allowance to noncurrent loans134.9150%2,742
Noncurrent assets plus other real estate owned to assets3.0505%1,330
Noncurrent loans to loans1.5271%3,011
Net loans and leases to total assets61.9023%3,304
Net loans and leases to deposits72.8476%3,331
Net loans and leases to core deposits74.6522%3,706
Total domestic deposits to total assets84.9751%3,899
Equity capital to assets9.3484%4,785
Core capital (leverage) ratio9.3299%4,494
Tier 1 risk-based capital ratio14.0177%4,415
Total risk-based capital ratio15.2770%4,366
Memoranda:
Average total assets$293,565,3302,203
Average earning assets$267,614,3302,210
Average equity$28,072,6702,418
Average total loans$185,186,0002,152
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9147%4,421
Cost of funding earning assets0.3595%5,450
Net interest margin3.5552%3,457
Noninterest income to average assets1.1535%1,129
Noninterest expense to average assets3.4605%1,701
Loan and lease loss provision to assets0.3061%1,118
Net operating income to assets0.4284%5,011
Return on assets (ROA)0.4312%5,155
Pretax return on assets0.6325%4,829
Return on Equity (ROE)4.4595%4,865
Retained earnings to average equity (ytd only)2.8417%4,575
Net charge-offs to loans0.4554%1,307
Credit loss provision to net charge-offs106.6351%1,735
Earnings coverage of net charge-offs (x)3.2559%2,808
Efficiency ratio78.7372%2,497
Assets per employee ($millions)4.3033%3,330
Cash dividends to net income (ytd only)*36.2776%1,943
Condition Ratios (%)
Loss allowance to loans1.9959%2,056
Loan loss allowance to noncurrent loans116.8380%2,953
Noncurrent assets plus other real estate owned to assets3.1536%1,389
Noncurrent loans to loans1.7083%2,984
Net loans and leases to total assets61.0124%3,245
Net loans and leases to deposits72.1940%3,161
Net loans and leases to core deposits73.9867%3,580
Total domestic deposits to total assets84.5117%4,259
Equity capital to assets9.7652%4,472
Core capital (leverage) ratio9.2524%4,475
Tier 1 risk-based capital ratio14.0573%4,468
Total risk-based capital ratio15.3160%4,421
Memoranda:
Average total assets$294,061,0002,228
Average earning assets$268,116,5002,227
Average equity$28,433,5002,420
Average total loans$185,319,0002,163
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1636%4,714
Cost of funding earning assets0.4642%5,461
Net interest margin3.6993%3,646
Noninterest income to average assets1.2646%977
Noninterest expense to average assets3.6997%1,412
Loan and lease loss provision to assets0.4896%1,236
Net operating income to assets0.3254%5,376
Return on assets (ROA)0.4733%5,042
Pretax return on assets0.6335%4,874
Return on Equity (ROE)4.9167%4,716
Retained earnings to average equity (ytd only)3.2023%3,971
Net charge-offs to loans0.7058%1,676
Credit loss provision to net charge-offs111.5931%2,615
Earnings coverage of net charge-offs (x)2.1104%4,359
Efficiency ratio79.9835%2,148
Assets per employee ($millions)4.4105%3,125
Cash dividends to net income (ytd only)*34.8684%3,138
Condition Ratios (%)
Loss allowance to loans1.9218%2,226
Loan loss allowance to noncurrent loans107.8297%3,154
Noncurrent assets plus other real estate owned to assets3.1536%1,478
Noncurrent loans to loans1.7823%2,942
Net loans and leases to total assets62.5531%3,157
Net loans and leases to deposits73.9818%3,088
Net loans and leases to core deposits76.4236%3,476
Total domestic deposits to total assets84.5520%4,064
Equity capital to assets9.5742%4,786
Core capital (leverage) ratio9.2696%4,472
Tier 1 risk-based capital ratio13.6730%4,626
Total risk-based capital ratio14.9311%4,569
Memoranda:
Average total assets$289,025,4002,210
Average earning assets$262,586,8002,212
Average equity$27,823,4002,413
Average total loans$179,659,6002,206
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1865%4,863
Cost of funding earning assets0.4923%5,487
Net interest margin3.6942%3,825
Noninterest income to average assets1.2317%984
Noninterest expense to average assets3.6505%1,456
Loan and lease loss provision to assets0.4569%1,360
Net operating income to assets0.3388%5,479
Return on assets (ROA)0.5265%4,996
Pretax return on assets0.7446%4,692
Return on Equity (ROE)5.4619%4,616
Retained earnings to average equity (ytd only)3.8017%4,216
Net charge-offs to loans0.5402%1,984
Credit loss provision to net charge-offs136.9958%2,105
Earnings coverage of net charge-offs (x)2.8095%3,913
Efficiency ratio79.5733%2,159
Assets per employee ($millions)4.4137%3,056
Cash dividends to net income (ytd only)*30.3965%2,620
Condition Ratios (%)
Loss allowance to loans2.0671%1,990
Loan loss allowance to noncurrent loans80.9215%3,809
Noncurrent assets plus other real estate owned to assets3.6329%1,368
Noncurrent loans to loans2.5545%2,238
Net loans and leases to total assets60.8419%3,601
Net loans and leases to deposits71.7633%3,646
Net loans and leases to core deposits74.3315%3,933
Total domestic deposits to total assets84.7813%3,847
Equity capital to assets9.7427%4,865
Core capital (leverage) ratio9.3069%4,573
Tier 1 risk-based capital ratio14.0944%4,461
Total risk-based capital ratio15.3540%4,415
Memoranda:
Average total assets$287,406,5002,252
Average earning assets$261,084,0002,246
Average equity$27,706,2502,439
Average total loans$177,457,7502,268
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2231%4,867
Cost of funding earning assets0.5238%5,465
Net interest margin3.6992%3,823
Noninterest income to average assets1.1296%1,118
Noninterest expense to average assets3.7007%1,371
Loan and lease loss provision to assets0.3146%2,096
Net operating income to assets0.3219%5,535
Return on assets (ROA)0.5466%4,879
Pretax return on assets0.7920%4,501
Return on Equity (ROE)5.6911%4,482
Retained earnings to average equity (ytd only)4.0173%3,933
Net charge-offs to loans0.0318%4,933
Credit loss provision to net charge-offs1,607.1429%201
Earnings coverage of net charge-offs (x)39.8929%878
Efficiency ratio82.5768%1,803
Assets per employee ($millions)4.4316%3,036
Cash dividends to net income (ytd only)*29.4118%2,647
Condition Ratios (%)
Loss allowance to loans2.1868%1,803
Loan loss allowance to noncurrent loans125.5881%2,609
Noncurrent assets plus other real estate owned to assets3.1647%1,721
Noncurrent loans to loans1.7412%3,292
Net loans and leases to total assets60.5123%3,734
Net loans and leases to deposits70.8318%3,784
Net loans and leases to core deposits73.5001%4,096
Total domestic deposits to total assets85.4310%3,651
Equity capital to assets9.6943%4,765
Core capital (leverage) ratio9.3536%4,365
Tier 1 risk-based capital ratio14.0645%4,400
Total risk-based capital ratio15.3263%4,352
Memoranda:
Average total assets$286,106,6702,262
Average earning assets$259,243,3302,263
Average equity$27,481,3302,447
Average total loans$176,284,6702,283
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2060%5,084
Cost of funding earning assets0.5550%5,464
Net interest margin3.6510%4,046
Noninterest income to average assets1.0227%1,367
Noninterest expense to average assets3.5675%1,632
Loan and lease loss provision to assets0.3156%1,983
Net operating income to assets0.3040%5,645
Return on assets (ROA)0.6818%4,186
Pretax return on assets0.9988%3,681
Return on Equity (ROE)7.1315%3,704
Retained earnings to average equity (ytd only)5.4440%3,296
Net charge-offs to loans0.0753%3,750
Credit loss provision to net charge-offs681.8182%512
Earnings coverage of net charge-offs (x)16.3939%1,368
Efficiency ratio82.4578%1,877
Assets per employee ($millions)4.3254%3,344
Cash dividends to net income (ytd only)*23.6626%2,245
Condition Ratios (%)
Loss allowance to loans2.0767%2,155
Loan loss allowance to noncurrent loans115.7147%2,704
Noncurrent assets plus other real estate owned to assets3.2773%1,762
Noncurrent loans to loans1.7946%3,419
Net loans and leases to total assets60.5710%3,538
Net loans and leases to deposits71.3534%3,536
Net loans and leases to core deposits73.3636%3,976
Total domestic deposits to total assets84.8887%4,088
Equity capital to assets9.5819%4,673
Core capital (leverage) ratio9.3656%4,252
Tier 1 risk-based capital ratio14.0048%4,472
Total risk-based capital ratio15.2640%4,425
Memoranda:
Average total assets$285,131,5002,285
Average earning assets$258,012,0002,298
Average equity$27,259,5002,456
Average total loans$175,323,5002,306
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5819%4,748
Cost of funding earning assets0.6565%5,787
Net interest margin3.9254%3,222
Noninterest income to average assets0.9758%1,437
Noninterest expense to average assets3.4715%2,060
Loan and lease loss provision to assets0.2464%3,746
Net operating income to assets0.5590%4,190
Return on assets (ROA)0.6565%3,901
Pretax return on assets0.9492%3,429
Return on Equity (ROE)6.6107%3,583
Retained earnings to average equity (ytd only)4.9129%2,705
Net charge-offs to loans0.2321%4,328
Credit loss provision to net charge-offs164.3541%1,662
Earnings coverage of net charge-offs (x)7.0311%2,412
Efficiency ratio76.7042%2,790
Assets per employee ($millions)4.2506%3,365
Cash dividends to net income (ytd only)*25.6831%3,297
Condition Ratios (%)
Loss allowance to loans1.9964%2,296
Loan loss allowance to noncurrent loans127.6166%2,461
Noncurrent assets plus other real estate owned to assets3.4240%1,731
Noncurrent loans to loans1.5644%3,814
Net loans and leases to total assets59.9007%4,009
Net loans and leases to deposits72.3633%3,749
Net loans and leases to core deposits74.5139%4,174
Total domestic deposits to total assets82.7777%4,851
Equity capital to assets9.5387%4,817
Core capital (leverage) ratio9.3370%4,272
Tier 1 risk-based capital ratio13.9520%4,356
Total risk-based capital ratio15.2105%4,307
Memoranda:
Average total assets$278,759,4002,276
Average earning assets$252,100,2002,288
Average equity$27,682,4002,348
Average total loans$180,107,4002,246
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6328%4,734
Cost of funding earning assets0.6754%5,905
Net interest margin3.9574%3,120
Noninterest income to average assets0.9594%1,451
Noninterest expense to average assets3.6962%1,507
Loan and lease loss provision to assets0.2342%3,672
Net operating income to assets0.4293%4,859
Return on assets (ROA)0.5550%4,474
Pretax return on assets0.7843%4,188
Return on Equity (ROE)5.5323%4,266
Retained earnings to average equity (ytd only)3.8784%3,961
Net charge-offs to loans0.2210%4,052
Credit loss provision to net charge-offs161.7940%1,900
Earnings coverage of net charge-offs (x)5.8140%2,689
Efficiency ratio81.4540%2,047
Assets per employee ($millions)4.1160%3,607
Cash dividends to net income (ytd only)*29.8961%2,479
Condition Ratios (%)
Loss allowance to loans1.9586%2,449
Loan loss allowance to noncurrent loans111.0675%2,694
Noncurrent assets plus other real estate owned to assets3.6590%1,712
Noncurrent loans to loans1.7635%3,687
Net loans and leases to total assets60.6636%4,015
Net loans and leases to deposits71.5040%4,063
Net loans and leases to core deposits73.7171%4,494
Total domestic deposits to total assets84.8395%3,855
Equity capital to assets9.5024%5,078
Core capital (leverage) ratio9.1957%4,632
Tier 1 risk-based capital ratio13.9990%4,350
Total risk-based capital ratio15.2577%4,319
Memoranda:
Average total assets$277,252,2502,299
Average earning assets$250,700,0002,308
Average equity$27,811,7502,343
Average total loans$181,618,0002,244
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6550%4,734
Cost of funding earning assets0.6746%6,103
Net interest margin3.9804%2,935
Noninterest income to average assets0.9755%1,392
Noninterest expense to average assets3.8006%1,344
Loan and lease loss provision to assets0.2981%3,018
Net operating income to assets0.3577%5,145
Return on assets (ROA)0.3908%5,131
Pretax return on assets0.5203%4,993
Return on Equity (ROE)3.8275%5,012
Retained earnings to average equity (ytd only)2.1973%4,893
Net charge-offs to loans0.1421%4,346
Credit loss provision to net charge-offs314.5038%968
Earnings coverage of net charge-offs (x)8.1679%2,104
Efficiency ratio83.0750%1,946
Assets per employee ($millions)4.1639%3,420
Cash dividends to net income (ytd only)*42.5926%1,969
Condition Ratios (%)
Loss allowance to loans1.9353%2,558
Loan loss allowance to noncurrent loans109.2076%2,640
Noncurrent assets plus other real estate owned to assets4.8484%1,275
Noncurrent loans to loans1.7722%3,790
Net loans and leases to total assets63.3344%3,614
Net loans and leases to deposits76.3856%3,400
Net loans and leases to core deposits78.6827%3,974
Total domestic deposits to total assets82.9141%4,788
Equity capital to assets10.3467%3,693
Core capital (leverage) ratio10.1338%3,101
Tier 1 risk-based capital ratio14.8495%3,581
Total risk-based capital ratio16.1075%3,545
Memoranda:
Average total assets$276,374,3302,318
Average earning assets$249,924,3302,326
Average equity$28,217,0002,296
Average total loans$184,430,3302,226
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6190%4,862
Cost of funding earning assets0.6790%6,253
Net interest margin3.9399%2,955
Noninterest income to average assets1.0063%1,308
Noninterest expense to average assets3.7852%1,361
Loan and lease loss provision to assets0.3272%2,591
Net operating income to assets0.3659%5,094
Return on assets (ROA)0.3781%5,117
Pretax return on assets0.4959%5,043
Return on Equity (ROE)3.7285%5,028
Retained earnings to average equity (ytd only)2.0794%4,893
Net charge-offs to loans0.2144%3,231
Credit loss provision to net charge-offs225.0000%1,353
Earnings coverage of net charge-offs (x)5.5500%2,261
Efficiency ratio82.4256%2,160
Assets per employee ($millions)4.1265%3,584
Cash dividends to net income (ytd only)*44.2308%1,639
Condition Ratios (%)
Loss allowance to loans1.7765%3,081
Loan loss allowance to noncurrent loans36.6044%5,857
Noncurrent assets plus other real estate owned to assets5.1459%1,221
Noncurrent loans to loans4.8533%1,401
Net loans and leases to total assets66.6143%2,853
Net loans and leases to deposits79.0641%2,880
Net loans and leases to core deposits82.6065%3,367
Total domestic deposits to total assets84.2535%4,386
Equity capital to assets10.1261%3,621
Core capital (leverage) ratio10.0184%3,120
Tier 1 risk-based capital ratio14.5361%3,710
Total risk-based capital ratio15.7928%3,674
Memoranda:
Average total assets$275,072,5002,349
Average earning assets$250,359,5002,342
Average equity$27,893,0002,308
Average total loans$186,557,5002,232
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7511%5,617
Cost of funding earning assets0.8753%6,269
Net interest margin3.8757%3,609
Noninterest income to average assets1.1598%1,096
Noninterest expense to average assets3.8258%1,440
Loan and lease loss provision to assets0.5923%2,769
Net operating income to assets0.2599%5,079
Return on assets (ROA)0.3521%4,897
Pretax return on assets0.4090%4,913
Return on Equity (ROE)3.5109%4,750
Retained earnings to average equity (ytd only)1.8596%4,560
Net charge-offs to loans0.5738%3,330
Credit loss provision to net charge-offs153.8821%2,305
Earnings coverage of net charge-offs (x)2.3227%3,984
Efficiency ratio81.0574%2,282
Assets per employee ($millions)3.8545%4,124
Cash dividends to net income (ytd only)*47.0348%2,231
Condition Ratios (%)
Loss allowance to loans1.7273%3,113
Loan loss allowance to noncurrent loans35.1689%5,972
Noncurrent assets plus other real estate owned to assets5.2099%1,200
Noncurrent loans to loans4.9113%1,387
Net loans and leases to total assets66.6518%3,318
Net loans and leases to deposits81.6880%2,869
Net loans and leases to core deposits85.3425%3,423
Total domestic deposits to total assets81.5932%5,325
Equity capital to assets10.1546%3,553
Core capital (leverage) ratio10.1666%2,905
Tier 1 risk-based capital ratio14.7324%3,406
Total risk-based capital ratio15.9886%3,362
Memoranda:
Average total assets$277,723,0002,303
Average earning assets$255,100,6002,297
Average equity$27,856,0002,320
Average total loans$186,297,0002,288
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6842%6,084
Cost of funding earning assets0.9408%6,221
Net interest margin3.7434%4,212
Noninterest income to average assets1.1260%1,102
Noninterest expense to average assets3.8702%1,246
Loan and lease loss provision to assets0.6362%2,399
Net operating income to assets0.1086%5,751
Return on assets (ROA)0.1612%5,768
Pretax return on assets0.1172%5,888
Return on Equity (ROE)1.6121%5,731
Retained earnings to average equity (ytd only)-0.0383%5,795
Net charge-offs to loans0.7315%2,589
Credit loss provision to net charge-offs130.0098%3,107
Earnings coverage of net charge-offs (x)1.4321%4,655
Efficiency ratio84.6693%1,765
Assets per employee ($millions)3.9630%3,913
Cash dividends to net income (ytd only)*102.3747%334
Condition Ratios (%)
Loss allowance to loans1.5717%3,650
Loan loss allowance to noncurrent loans35.4796%5,966
Noncurrent assets plus other real estate owned to assets4.7823%1,379
Noncurrent loans to loans4.4299%1,637
Net loans and leases to total assets67.2630%3,393
Net loans and leases to deposits81.8680%3,133
Net loans and leases to core deposits85.5097%3,726
Total domestic deposits to total assets82.1603%4,930
Equity capital to assets10.3015%3,763
Core capital (leverage) ratio9.9006%3,354
Tier 1 risk-based capital ratio14.2975%3,635
Total risk-based capital ratio15.5532%3,591
Memoranda:
Average total assets$278,736,2502,323
Average earning assets$256,515,5002,317
Average equity$27,872,5002,349
Average total loans$186,468,2502,316
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7508%5,973
Cost of funding earning assets1.0285%6,008
Net interest margin3.7223%4,263
Noninterest income to average assets1.1094%1,072
Noninterest expense to average assets3.7540%1,444
Loan and lease loss provision to assets0.4314%3,159
Net operating income to assets0.3090%5,140
Return on assets (ROA)0.3629%5,078
Pretax return on assets0.4214%5,150
Return on Equity (ROE)3.6653%4,932
Retained earnings to average equity (ytd only)2.0091%4,855
Net charge-offs to loans0.1889%4,476
Credit loss provision to net charge-offs343.7500%1,062
Earnings coverage of net charge-offs (x)6.2955%2,480
Efficiency ratio82.6142%2,089
Assets per employee ($millions)3.7547%4,333
Cash dividends to net income (ytd only)*45.1866%1,872
Condition Ratios (%)
Loss allowance to loans1.6379%3,299
Loan loss allowance to noncurrent loans38.8099%5,759
Noncurrent assets plus other real estate owned to assets2.9376%2,446
Noncurrent loans to loans4.2204%1,766
Net loans and leases to total assets66.1155%3,809
Net loans and leases to deposits79.3207%3,729
Net loans and leases to core deposits82.8920%4,299
Total domestic deposits to total assets83.3522%4,412
Equity capital to assets10.1684%3,812
Core capital (leverage) ratio9.8451%3,348
Tier 1 risk-based capital ratio14.3262%3,526
Total risk-based capital ratio15.5813%3,493
Memoranda:
Average total assets$280,499,6702,327
Average earning assets$258,820,0002,316
Average equity$27,773,6702,350
Average total loans$186,336,0002,350
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8866%5,532
Cost of funding earning assets1.0216%6,273
Net interest margin3.8650%3,485
Noninterest income to average assets1.0546%1,143
Noninterest expense to average assets3.7768%1,361
Loan and lease loss provision to assets0.4613%2,661
Net operating income to assets0.3198%5,209
Return on assets (ROA)0.4187%4,899
Pretax return on assets0.5081%4,930
Return on Equity (ROE)4.2856%4,763
Retained earnings to average equity (ytd only)2.6149%4,577
Net charge-offs to loans0.2837%3,275
Credit loss provision to net charge-offs246.2121%1,566
Earnings coverage of net charge-offs (x)4.5303%2,613
Efficiency ratio81.6508%2,325
Assets per employee ($millions)3.9934%3,889
Cash dividends to net income (ytd only)*38.9831%1,792
Condition Ratios (%)
Loss allowance to loans1.5228%3,793
Loan loss allowance to noncurrent loans69.6006%3,879
Noncurrent assets plus other real estate owned to assets1.6466%4,010
Noncurrent loans to loans2.1879%3,545
Net loans and leases to total assets65.3070%4,040
Net loans and leases to deposits81.5996%3,353
Net loans and leases to core deposits84.6402%4,115
Total domestic deposits to total assets80.0335%5,773
Equity capital to assets9.9529%3,927
Core capital (leverage) ratio9.7306%3,477
Tier 1 risk-based capital ratio14.5836%3,330
Total risk-based capital ratio15.8376%3,292
Memoranda:
Average total assets$281,824,5002,379
Average earning assets$260,387,5002,349
Average equity$27,534,0002,405
Average total loans$186,123,5002,415
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1839%5,726
Cost of funding earning assets1.5560%5,254
Net interest margin3.6279%4,446
Noninterest income to average assets1.2735%931
Noninterest expense to average assets3.9935%1,371
Loan and lease loss provision to assets0.5331%3,705
Net operating income to assets0.1355%5,093
Return on assets (ROA)0.1751%5,050
Pretax return on assets0.1312%5,154
Return on Equity (ROE)1.7847%4,986
Retained earnings to average equity (ytd only)0.9621%4,359
Net charge-offs to loans0.5672%3,521
Credit loss provision to net charge-offs140.0000%3,483
Earnings coverage of net charge-offs (x)1.6406%4,512
Efficiency ratio86.4742%2,059
Assets per employee ($millions)4.0016%3,813
Cash dividends to net income (ytd only)*46.0922%2,658
Condition Ratios (%)
Loss allowance to loans1.4074%4,197
Loan loss allowance to noncurrent loans73.6282%3,733
Noncurrent assets plus other real estate owned to assets1.5286%4,087
Noncurrent loans to loans1.9115%3,784
Net loans and leases to total assets64.8465%4,402
Net loans and leases to deposits83.4996%3,358
Net loans and leases to core deposits94.8668%4,578
Total domestic deposits to total assets77.6608%6,309
Equity capital to assets9.5899%4,281
Core capital (leverage) ratio9.8312%3,295
Tier 1 risk-based capital ratio13.9990%3,500
Total risk-based capital ratio15.2513%3,455
Memoranda:
Average total assets$284,961,8002,310
Average earning assets$262,717,4002,301
Average equity$27,959,6002,375
Average total loans$191,292,0002,392
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2323%5,747
Cost of funding earning assets1.6565%5,127
Net interest margin3.5757%4,569
Noninterest income to average assets1.3498%832
Noninterest expense to average assets4.1536%1,078
Loan and lease loss provision to assets0.3109%4,485
Net operating income to assets0.1973%5,167
Return on assets (ROA)0.2356%5,114
Pretax return on assets0.2207%5,251
Return on Equity (ROE)2.3882%5,028
Retained earnings to average equity (ytd only)1.8432%4,287
Net charge-offs to loans0.1677%5,048
Credit loss provision to net charge-offs274.7934%1,545
Earnings coverage of net charge-offs (x)4.3595%3,164
Efficiency ratio89.3853%1,747
Assets per employee ($millions)3.7806%4,223
Cash dividends to net income (ytd only)*22.8176%3,142
Condition Ratios (%)
Loss allowance to loans1.4146%3,868
Loan loss allowance to noncurrent loans67.5871%3,929
Noncurrent assets plus other real estate owned to assets1.5820%3,981
Noncurrent loans to loans2.0929%3,511
Net loans and leases to total assets66.1367%4,399
Net loans and leases to deposits81.0972%4,182
Net loans and leases to core deposits94.6909%4,959
Total domestic deposits to total assets81.5523%4,854
Equity capital to assets10.0636%4,007
Core capital (leverage) ratio9.9023%3,397
Tier 1 risk-based capital ratio14.6259%3,209
Total risk-based capital ratio15.8789%3,161
Memoranda:
Average total assets$285,174,5002,325
Average earning assets$262,950,5002,310
Average equity$28,138,0002,385
Average total loans$192,398,5002,401
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3021%5,652
Cost of funding earning assets1.7249%5,151
Net interest margin3.5772%4,459
Noninterest income to average assets1.4384%726
Noninterest expense to average assets4.0918%1,197
Loan and lease loss provision to assets0.2429%4,637
Net operating income to assets0.3428%4,707
Return on assets (ROA)0.3900%4,653
Pretax return on assets0.4510%4,783
Return on Equity (ROE)3.9774%4,499
Retained earnings to average equity (ytd only)3.9774%3,070
Net charge-offs to loans0.1622%4,581
Credit loss provision to net charge-offs221.5190%2,074
Earnings coverage of net charge-offs (x)5.8291%2,750
Efficiency ratio86.4916%2,180
Assets per employee ($millions)3.6612%4,426
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.2596%4,540
Loan loss allowance to noncurrent loans40.0738%5,706
Noncurrent assets plus other real estate owned to assets2.3357%2,784
Noncurrent loans to loans3.1431%2,270
Net loans and leases to total assets65.5536%4,657
Net loans and leases to deposits81.3123%4,336
Net loans and leases to core deposits94.1579%5,097
Total domestic deposits to total assets80.6195%5,226
Equity capital to assets9.6043%4,483
Core capital (leverage) ratio9.7018%3,628
Tier 1 risk-based capital ratio14.5331%3,226
Total risk-based capital ratio15.7840%3,164
Memoranda:
Average total assets$288,237,3302,336
Average earning assets$265,288,6702,306
Average equity$28,259,3302,391
Average total loans$194,815,6702,399
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3827%5,516
Cost of funding earning assets1.8565%4,843
Net interest margin3.5262%4,627
Noninterest income to average assets1.3068%837
Noninterest expense to average assets4.0377%1,142
Loan and lease loss provision to assets0.2072%4,370
Net operating income to assets0.2737%5,396
Return on assets (ROA)0.3550%5,231
Pretax return on assets0.3854%5,443
Return on Equity (ROE)3.5849%5,136
Retained earnings to average equity (ytd only)3.5849%3,900
Net charge-offs to loans0.1823%3,541
Credit loss provision to net charge-offs166.6667%2,553
Earnings coverage of net charge-offs (x)4.0556%2,988
Efficiency ratio88.8990%1,816
Assets per employee ($millions)3.7562%4,211
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1553%5,084
Loan loss allowance to noncurrent loans69.1812%4,125
Noncurrent assets plus other real estate owned to assets2.3659%2,419
Noncurrent loans to loans1.6700%3,764
Net loans and leases to total assets66.7347%4,404
Net loans and leases to deposits84.4255%3,909
Net loans and leases to core deposits98.0952%4,733
Total domestic deposits to total assets79.0457%5,705
Equity capital to assets9.9440%4,057
Core capital (leverage) ratio9.9149%3,499
Tier 1 risk-based capital ratio14.4856%3,318
Total risk-based capital ratio15.6931%3,265
Memoranda:
Average total assets$289,570,5002,338
Average earning assets$265,667,0002,320
Average equity$28,675,5002,373
Average total loans$197,428,5002,398
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2552%4,214
Cost of funding earning assets2.3806%4,810
Net interest margin3.8746%3,681
Noninterest income to average assets1.0086%1,552
Noninterest expense to average assets3.5728%2,217
Loan and lease loss provision to assets0.9988%1,475
Net operating income to assets0.1169%6,065
Return on assets (ROA)0.0327%6,133
Pretax return on assets-0.1303%6,305
Return on Equity (ROE)0.3460%6,120
Retained earnings to average equity (ytd only)-3.9793%6,320
Net charge-offs to loans1.7420%635
Credit loss provision to net charge-offs83.9418%5,807
Earnings coverage of net charge-offs (x)0.8405%5,727
Efficiency ratio78.1301%2,900
Assets per employee ($millions)3.8146%3,926
Cash dividends to net income (ytd only)*1,250.0000%32
Condition Ratios (%)
Loss allowance to loans1.1003%5,294
Loan loss allowance to noncurrent loans87.8752%3,843
Noncurrent assets plus other real estate owned to assets1.0300%4,246
Noncurrent loans to loans1.2521%4,010
Net loans and leases to total assets68.0858%4,453
Net loans and leases to deposits88.7776%3,674
Net loans and leases to core deposits102.1471%4,588
Total domestic deposits to total assets76.6926%6,071
Equity capital to assets9.8616%4,206
Core capital (leverage) ratio9.5368%3,965
Tier 1 risk-based capital ratio14.2281%3,430
Total risk-based capital ratio15.3950%3,397
Memoranda:
Average total assets$306,176,0002,172
Average earning assets$281,655,8002,164
Average equity$28,899,8002,340
Average total loans$209,132,8002,212