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The Central Trust Bank, Performance and Condition Ratios

2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0531%3,787
Cost of funding earning assets0.2225%3,014
Net interest margin2.8307%3,666
Noninterest income to average assets1.1600%530
Noninterest expense to average assets2.1209%3,159
Loan and lease loss provision to assets0.0600%1,588
Net operating income to assets1.2705%1,456
Return on assets (ROA)1.2632%1,443
Pretax return on assets1.6337%1,041
Return on Equity (ROE)14.5200%1,284
Retained earnings to average equity (ytd only)0.1969%4,310
Net charge-offs to loans0.0490%993
Credit loss provision to net charge-offs242.5337%908
Earnings coverage of net charge-offs (x)64.4716%1,137
Efficiency ratio54.9396%3,732
Assets per employee ($millions)7.2049%1,806
Cash dividends to net income (ytd only)*98.6440%236
Condition Ratios (%)
Loss allowance to loans1.4326%1,500
Loan loss allowance to noncurrent loans649.6834%1,324
Noncurrent assets plus other real estate owned to assets0.1528%2,547
Noncurrent loans to loans0.2205%2,509
Net loans and leases to total assets55.9000%2,911
Net loans and leases to deposits68.8075%2,475
Net loans and leases to core deposits69.8608%2,652
Total domestic deposits to total assets81.2400%3,944
Equity capital to assets7.9823%2,907
Core capital (leverage) ratio8.2102%4,271
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.1931%1,977
Memoranda:
Average total assets$19,794,484,750103
Average earning assets$18,683,032,750100
Average equity$1,722,023,000112
Average total loans$10,703,484,250114
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8399%3,916
Cost of funding earning assets0.1417%3,687
Net interest margin2.6982%3,701
Noninterest income to average assets1.1725%495
Noninterest expense to average assets2.0775%3,213
Loan and lease loss provision to assets0.0526%1,638
Net operating income to assets1.2307%1,328
Return on assets (ROA)1.2221%1,346
Pretax return on assets1.5815%986
Return on Equity (ROE)13.6809%1,194
Retained earnings to average equity (ytd only)0.1872%4,153
Net charge-offs to loans0.0273%1,176
Credit loss provision to net charge-offs361.7830%730
Earnings coverage of net charge-offs (x)113.1693%762
Efficiency ratio55.3342%3,842
Assets per employee ($millions)7.0350%1,915
Cash dividends to net income (ytd only)*98.6315%387
Condition Ratios (%)
Loss allowance to loans1.4384%1,603
Loan loss allowance to noncurrent loans616.4640%1,341
Noncurrent assets plus other real estate owned to assets0.1557%2,618
Noncurrent loans to loans0.2333%2,551
Net loans and leases to total assets54.5813%2,903
Net loans and leases to deposits67.5983%2,425
Net loans and leases to core deposits68.6408%2,593
Total domestic deposits to total assets80.7436%4,164
Equity capital to assets8.5092%2,757
Core capital (leverage) ratio8.0532%4,292
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.3951%1,903
Memoranda:
Average total assets$19,910,595,667102
Average earning assets$18,815,683,66798
Average equity$1,778,615,333112
Average total loans$10,595,325,000113
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6789%3,985
Cost of funding earning assets0.1087%4,037
Net interest margin2.5702%3,736
Noninterest income to average assets1.1384%529
Noninterest expense to average assets2.0086%3,405
Loan and lease loss provision to assets0.0275%1,874
Net operating income to assets1.1830%1,288
Return on assets (ROA)1.1839%1,286
Pretax return on assets1.5368%944
Return on Equity (ROE)12.9525%1,044
Retained earnings to average equity (ytd only)2.0459%3,525
Net charge-offs to loans0.0282%1,037
Credit loss provision to net charge-offs186.9742%796
Earnings coverage of net charge-offs (x)106.3840%656
Efficiency ratio55.7424%3,903
Assets per employee ($millions)7.1784%1,872
Cash dividends to net income (ytd only)*84.2049%656
Condition Ratios (%)
Loss allowance to loans1.4493%1,716
Loan loss allowance to noncurrent loans701.0950%1,176
Noncurrent assets plus other real estate owned to assets0.1373%2,830
Noncurrent loans to loans0.2067%2,790
Net loans and leases to total assets52.3515%2,954
Net loans and leases to deposits65.3988%2,393
Net loans and leases to core deposits66.4822%2,584
Total domestic deposits to total assets80.0497%4,289
Equity capital to assets8.8429%2,848
Core capital (leverage) ratio7.9956%4,315
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.8973%1,839
Memoranda:
Average total assets$20,062,655,000102
Average earning assets$18,995,100,500100
Average equity$1,833,747,500114
Average total loans$10,464,167,000113
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8445%4,138
Cost of funding earning assets0.1199%4,221
Net interest margin2.7246%3,831
Noninterest income to average assets1.4358%546
Noninterest expense to average assets2.2395%2,970
Loan and lease loss provision to assets0.0319%2,410
Net operating income to assets1.3317%1,511
Return on assets (ROA)1.3374%1,524
Pretax return on assets1.7365%1,055
Return on Equity (ROE)13.7832%1,249
Retained earnings to average equity (ytd only)9.2431%1,119
Net charge-offs to loans0.0406%1,447
Credit loss provision to net charge-offs145.8126%1,510
Earnings coverage of net charge-offs (x)80.6128%994
Efficiency ratio55.4617%3,758
Assets per employee ($millions)7.6496%1,525
Cash dividends to net income (ytd only)*32.9392%2,388
Condition Ratios (%)
Loss allowance to loans1.4696%1,663
Loan loss allowance to noncurrent loans661.9478%1,157
Noncurrent assets plus other real estate owned to assets0.1465%2,914
Noncurrent loans to loans0.2220%2,854
Net loans and leases to total assets50.4586%3,228
Net loans and leases to deposits63.2418%2,760
Net loans and leases to core deposits64.3055%2,953
Total domestic deposits to total assets79.7867%4,242
Equity capital to assets9.4318%3,200
Core capital (leverage) ratio8.1467%4,258
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0883%1,817
Memoranda:
Average total assets$19,294,266,400103
Average earning assets$18,161,647,800101
Average equity$1,872,212,400117
Average total loans$10,381,598,400116
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2116%4,709
Cost of funding earning assets0.1275%4,279
Net interest margin2.0840%4,632
Noninterest income to average assets3.2142%182
Noninterest expense to average assets3.5046%457
Loan and lease loss provision to assets0.0318%2,358
Net operating income to assets1.2716%1,914
Return on assets (ROA)1.3021%1,879
Pretax return on assets1.6800%1,455
Return on Equity (ROE)17.7008%663
Retained earnings to average equity (ytd only)0.0444%4,556
Net charge-offs to loans0.0032%2,229
Credit loss provision to net charge-offs2,681.2500%260
Earnings coverage of net charge-offs (x)1,409.0000%115
Efficiency ratio67.5833%1,888
Assets per employee ($millions)4.7825%3,897
Cash dividends to net income (ytd only)*99.7492%197
Condition Ratios (%)
Loss allowance to loans1.4848%1,696
Loan loss allowance to noncurrent loans680.6452%1,059
Noncurrent assets plus other real estate owned to assets0.0821%3,553
Noncurrent loans to loans0.2181%3,076
Net loans and leases to total assets36.2064%4,379
Net loans and leases to deposits53.9028%3,745
Net loans and leases to core deposits54.7205%3,867
Total domestic deposits to total assets67.1698%4,787
Equity capital to assets7.1157%4,786
Core capital (leverage) ratio6.6296%4,860
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0697%1,948
Memoranda:
Average total assets$3,592,837,250327
Average earning assets$3,385,251,750320
Average equity$264,298,000430
Average total loans$1,321,503,500524
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1988%4,762
Cost of funding earning assets0.1291%4,359
Net interest margin2.0697%4,670
Noninterest income to average assets3.3068%165
Noninterest expense to average assets3.6336%394
Loan and lease loss provision to assets0.0443%2,130
Net operating income to assets1.2227%2,100
Return on assets (ROA)1.2650%2,048
Pretax return on assets1.6316%1,650
Return on Equity (ROE)17.0084%781
Retained earnings to average equity (ytd only)9.4949%1,557
Net charge-offs to loans-0.0506%4,381
Credit loss provision to net charge-offs-238.1381%3,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.0324%1,755
Assets per employee ($millions)4.7426%3,891
Cash dividends to net income (ytd only)*44.1755%1,421
Condition Ratios (%)
Loss allowance to loans1.5349%1,474
Loan loss allowance to noncurrent loans666.2475%1,013
Noncurrent assets plus other real estate owned to assets0.0843%3,647
Noncurrent loans to loans0.2304%3,132
Net loans and leases to total assets34.7819%4,509
Net loans and leases to deposits52.7909%3,946
Net loans and leases to core deposits53.5859%4,043
Total domestic deposits to total assets65.8862%4,822
Equity capital to assets7.3611%4,777
Core capital (leverage) ratio6.6937%4,888
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.4509%1,484
Memoranda:
Average total assets$3,578,882,333326
Average earning assets$3,370,520,000316
Average equity$266,185,667425
Average total loans$1,316,728,667530
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1958%4,795
Cost of funding earning assets0.1353%4,412
Net interest margin2.0605%4,699
Noninterest income to average assets3.4487%172
Noninterest expense to average assets3.7151%363
Loan and lease loss provision to assets0.0734%1,712
Net operating income to assets1.2421%2,002
Return on assets (ROA)1.3186%1,850
Pretax return on assets1.7004%1,488
Return on Equity (ROE)17.6327%765
Retained earnings to average equity (ytd only)2.4006%3,930
Net charge-offs to loans-0.0773%4,555
Credit loss provision to net charge-offs-252.5490%3,023
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.8003%1,835
Assets per employee ($millions)4.5936%4,021
Cash dividends to net income (ytd only)*86.3856%525
Condition Ratios (%)
Loss allowance to loans1.4826%1,666
Loan loss allowance to noncurrent loans578.3556%1,050
Noncurrent assets plus other real estate owned to assets0.1004%3,684
Noncurrent loans to loans0.2563%3,186
Net loans and leases to total assets37.3994%4,437
Net loans and leases to deposits55.2173%3,848
Net loans and leases to core deposits56.0123%3,974
Total domestic deposits to total assets67.7313%4,810
Equity capital to assets7.4213%4,737
Core capital (leverage) ratio6.9903%4,894
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.5734%1,718
Memoranda:
Average total assets$3,511,595,500329
Average earning assets$3,311,979,000320
Average equity$262,603,000425
Average total loans$1,319,220,000530
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5986%4,824
Cost of funding earning assets0.2759%4,270
Net interest margin2.3227%4,706
Noninterest income to average assets3.3680%166
Noninterest expense to average assets3.4454%749
Loan and lease loss provision to assets0.1172%2,890
Net operating income to assets1.5464%718
Return on assets (ROA)1.5284%812
Pretax return on assets1.9677%486
Return on Equity (ROE)20.8001%200
Retained earnings to average equity (ytd only)17.6062%96
Net charge-offs to loans0.1228%1,269
Credit loss provision to net charge-offs247.2607%1,951
Earnings coverage of net charge-offs (x)44.4568%1,302
Efficiency ratio61.9385%3,147
Assets per employee ($millions)4.6296%3,782
Cash dividends to net income (ytd only)*15.3550%3,413
Condition Ratios (%)
Loss allowance to loans1.4670%1,702
Loan loss allowance to noncurrent loans463.7229%1,209
Noncurrent assets plus other real estate owned to assets0.1207%3,681
Noncurrent loans to loans0.3164%3,068
Net loans and leases to total assets36.6218%4,572
Net loans and leases to deposits53.3858%4,142
Net loans and leases to core deposits54.1371%4,251
Total domestic deposits to total assets68.5984%4,801
Equity capital to assets7.5359%4,836
Core capital (leverage) ratio7.1109%4,918
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.0100%1,523
Memoranda:
Average total assets$3,195,690,600326
Average earning assets$3,006,136,600318
Average equity$234,825,800444
Average total loans$1,234,143,200534
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7196%4,856
Cost of funding earning assets0.3191%4,222
Net interest margin2.4004%4,722
Noninterest income to average assets3.3234%164
Noninterest expense to average assets3.4127%789
Loan and lease loss provision to assets0.1104%2,938
Net operating income to assets1.6030%721
Return on assets (ROA)1.5325%921
Pretax return on assets1.9709%545
Return on Equity (ROE)21.0053%206
Retained earnings to average equity (ytd only)16.6166%135
Net charge-offs to loans0.0635%1,698
Credit loss provision to net charge-offs445.8621%1,375
Earnings coverage of net charge-offs (x)87.6603%867
Efficiency ratio61.0147%3,215
Assets per employee ($millions)4.7204%3,572
Cash dividends to net income (ytd only)*20.8931%2,737
Condition Ratios (%)
Loss allowance to loans1.4467%1,549
Loan loss allowance to noncurrent loans396.6005%1,290
Noncurrent assets plus other real estate owned to assets0.1450%3,690
Noncurrent loans to loans0.3648%2,978
Net loans and leases to total assets37.5957%4,623
Net loans and leases to deposits55.0090%4,296
Net loans and leases to core deposits55.9293%4,385
Total domestic deposits to total assets68.3446%4,804
Equity capital to assets7.3372%4,892
Core capital (leverage) ratio6.6386%4,996
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.0012%1,831
Memoranda:
Average total assets$3,123,082,250324
Average earning assets$2,940,098,250315
Average equity$227,854,500446
Average total loans$1,218,756,500535
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9075%4,879
Cost of funding earning assets0.3887%4,085
Net interest margin2.5188%4,727
Noninterest income to average assets2.8344%180
Noninterest expense to average assets3.3349%941
Loan and lease loss provision to assets0.0941%3,095
Net operating income to assets1.3881%1,142
Return on assets (ROA)1.2884%1,503
Pretax return on assets1.6459%1,114
Return on Equity (ROE)17.6971%399
Retained earnings to average equity (ytd only)10.8964%619
Net charge-offs to loans0.0778%1,467
Credit loss provision to net charge-offs307.1121%1,599
Earnings coverage of net charge-offs (x)60.9246%956
Efficiency ratio63.9987%2,825
Assets per employee ($millions)4.8679%3,345
Cash dividends to net income (ytd only)*38.4280%2,010
Condition Ratios (%)
Loss allowance to loans1.3800%1,656
Loan loss allowance to noncurrent loans305.6695%1,522
Noncurrent assets plus other real estate owned to assets0.1750%3,659
Noncurrent loans to loans0.4515%2,797
Net loans and leases to total assets36.3685%4,715
Net loans and leases to deposits55.6716%4,303
Net loans and leases to core deposits56.6138%4,412
Total domestic deposits to total assets65.3269%4,895
Equity capital to assets6.6883%5,003
Core capital (leverage) ratio6.4150%5,043
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8201%2,258
Memoranda:
Average total assets$3,029,636,333328
Average earning assets$2,846,557,333320
Average equity$220,567,333460
Average total loans$1,192,234,333533
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1809%4,873
Cost of funding earning assets0.5743%3,565
Net interest margin2.6066%4,748
Noninterest income to average assets2.6542%177
Noninterest expense to average assets3.3873%1,083
Loan and lease loss provision to assets0.0615%3,000
Net operating income to assets1.3079%1,226
Return on assets (ROA)1.1556%1,781
Pretax return on assets1.4658%1,397
Return on Equity (ROE)15.1081%536
Retained earnings to average equity (ytd only)1.1087%3,713
Net charge-offs to loans0.1026%1,064
Credit loss provision to net charge-offs146.5986%1,591
Earnings coverage of net charge-offs (x)40.9830%1,017
Efficiency ratio66.1887%2,933
Assets per employee ($millions)4.2829%3,552
Cash dividends to net income (ytd only)*92.6612%829
Condition Ratios (%)
Loss allowance to loans1.4684%1,455
Loan loss allowance to noncurrent loans293.0353%1,549
Noncurrent assets plus other real estate owned to assets0.2103%3,635
Noncurrent loans to loans0.5011%2,765
Net loans and leases to total assets38.8003%4,705
Net loans and leases to deposits61.8805%4,102
Net loans and leases to core deposits63.2206%4,214
Total domestic deposits to total assets62.7019%5,009
Equity capital to assets7.3594%5,045
Core capital (leverage) ratio7.3376%5,060
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0430%2,270
Memoranda:
Average total assets$2,801,764,000337
Average earning assets$2,636,980,500329
Average equity$214,295,500467
Average total loans$1,145,692,000531
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5768%4,800
Cost of funding earning assets0.8412%2,481
Net interest margin2.7356%4,812
Noninterest income to average assets2.7795%172
Noninterest expense to average assets3.5731%873
Loan and lease loss provision to assets0.0705%2,590
Net operating income to assets1.3146%1,633
Return on assets (ROA)1.5519%992
Pretax return on assets1.9858%616
Return on Equity (ROE)19.5021%242
Retained earnings to average equity (ytd only)4.5650%2,672
Net charge-offs to loans0.0774%1,993
Credit loss provision to net charge-offs213.0939%1,238
Earnings coverage of net charge-offs (x)53.0649%1,076
Efficiency ratio66.9135%2,632
Assets per employee ($millions)3.9214%4,008
Cash dividends to net income (ytd only)*76.5924%903
Condition Ratios (%)
Loss allowance to loans1.4723%1,298
Loan loss allowance to noncurrent loans271.8244%1,657
Noncurrent assets plus other real estate owned to assets0.2491%3,439
Noncurrent loans to loans0.5417%2,550
Net loans and leases to total assets41.9183%4,675
Net loans and leases to deposits62.4285%4,172
Net loans and leases to core deposits63.7340%4,292
Total domestic deposits to total assets67.1460%5,005
Equity capital to assets7.9645%5,062
Core capital (leverage) ratio7.4336%5,107
Tier 1 risk-based capital ratio12.7613%3,913
Total risk-based capital ratio13.8658%3,884
Memoranda:
Average total assets$2,608,055,600343
Average earning assets$2,430,713,800337
Average equity$207,536,200465
Average total loans$1,115,661,400519
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5837%4,891
Cost of funding earning assets0.8790%2,325
Net interest margin2.7047%4,937
Noninterest income to average assets2.6752%179
Noninterest expense to average assets3.5129%929
Loan and lease loss provision to assets0.0740%2,410
Net operating income to assets1.2501%2,016
Return on assets (ROA)1.5413%1,137
Pretax return on assets1.9762%725
Return on Equity (ROE)19.3734%290
Retained earnings to average equity (ytd only)5.1406%2,822
Net charge-offs to loans0.0630%1,921
Credit loss provision to net charge-offs274.4275%1,012
Earnings coverage of net charge-offs (x)62.3492%1,033
Efficiency ratio67.4874%2,502
Assets per employee ($millions)3.9189%4,003
Cash dividends to net income (ytd only)*73.4656%846
Condition Ratios (%)
Loss allowance to loans1.4606%1,359
Loan loss allowance to noncurrent loans259.4691%1,709
Noncurrent assets plus other real estate owned to assets0.2543%3,551
Noncurrent loans to loans0.5629%2,613
Net loans and leases to total assets42.6302%4,738
Net loans and leases to deposits63.3192%4,222
Net loans and leases to core deposits64.4117%4,349
Total domestic deposits to total assets67.3258%5,075
Equity capital to assets8.0121%5,125
Core capital (leverage) ratio7.5925%5,182
Tier 1 risk-based capital ratio12.5959%4,089
Total risk-based capital ratio13.6911%4,063
Memoranda:
Average total assets$2,590,490,750348
Average earning assets$2,412,947,750342
Average equity$206,091,750466
Average total loans$1,109,706,750523
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5473%4,976
Cost of funding earning assets0.8871%2,212
Net interest margin2.6602%5,032
Noninterest income to average assets2.6030%190
Noninterest expense to average assets3.4609%1,008
Loan and lease loss provision to assets0.0696%2,429
Net operating income to assets1.2030%2,140
Return on assets (ROA)1.6550%833
Pretax return on assets2.1256%521
Return on Equity (ROE)20.8532%210
Retained earnings to average equity (ytd only)6.1575%2,215
Net charge-offs to loans0.0685%1,678
Credit loss provision to net charge-offs238.0319%1,063
Earnings coverage of net charge-offs (x)55.5160%1,032
Efficiency ratio67.9300%2,542
Assets per employee ($millions)3.7859%4,147
Cash dividends to net income (ytd only)*70.4722%1,088
Condition Ratios (%)
Loss allowance to loans1.4375%1,467
Loan loss allowance to noncurrent loans236.2478%1,914
Noncurrent assets plus other real estate owned to assets0.2926%3,374
Noncurrent loans to loans0.6085%2,439
Net loans and leases to total assets43.3385%4,744
Net loans and leases to deposits64.6091%4,189
Net loans and leases to core deposits65.7728%4,328
Total domestic deposits to total assets67.0781%5,129
Equity capital to assets8.1536%5,146
Core capital (leverage) ratio7.5789%5,224
Tier 1 risk-based capital ratio12.4927%4,129
Total risk-based capital ratio13.5634%4,100
Memoranda:
Average total assets$2,572,225,670352
Average earning assets$2,398,911,330345
Average equity$204,141,670466
Average total loans$1,098,140,670526
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4472%5,085
Cost of funding earning assets0.8719%2,141
Net interest margin2.5753%5,153
Noninterest income to average assets2.4882%189
Noninterest expense to average assets3.3484%1,200
Loan and lease loss provision to assets0.0581%2,492
Net operating income to assets1.1399%2,310
Return on assets (ROA)1.7726%636
Pretax return on assets2.2819%371
Return on Equity (ROE)22.6464%157
Retained earnings to average equity (ytd only)6.7221%2,150
Net charge-offs to loans0.0734%1,329
Credit loss provision to net charge-offs188.3838%1,086
Earnings coverage of net charge-offs (x)49.8939%1,030
Efficiency ratio68.3583%2,591
Assets per employee ($millions)3.8397%4,134
Cash dividends to net income (ytd only)*70.3173%1,112
Condition Ratios (%)
Loss allowance to loans1.4745%1,414
Loan loss allowance to noncurrent loans311.7268%1,514
Noncurrent assets plus other real estate owned to assets0.2238%3,734
Noncurrent loans to loans0.4730%2,898
Net loans and leases to total assets41.8082%4,835
Net loans and leases to deposits62.1783%4,294
Net loans and leases to core deposits63.0854%4,424
Total domestic deposits to total assets67.2393%5,189
Equity capital to assets8.0068%5,178
Core capital (leverage) ratio7.6588%5,267
Tier 1 risk-based capital ratio12.2522%4,321
Total risk-based capital ratio13.2967%4,326
Memoranda:
Average total assets$2,567,351,500359
Average earning assets$2,391,997,000348
Average equity$200,950,500470
Average total loans$1,079,556,000540
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2437%5,118
Cost of funding earning assets0.6940%2,123
Net interest margin2.5497%5,186
Noninterest income to average assets2.6625%183
Noninterest expense to average assets3.4639%1,046
Loan and lease loss provision to assets0.0536%3,109
Net operating income to assets1.2263%2,062
Return on assets (ROA)1.1507%2,385
Pretax return on assets1.4278%2,048
Return on Equity (ROE)12.8450%1,399
Retained earnings to average equity (ytd only)-12.0967%5,336
Net charge-offs to loans0.1053%1,708
Credit loss provision to net charge-offs120.3467%2,162
Earnings coverage of net charge-offs (x)35.3641%1,439
Efficiency ratio68.5948%2,450
Assets per employee ($millions)3.8758%4,065
Cash dividends to net income (ytd only)*194.1748%52
Condition Ratios (%)
Loss allowance to loans1.4690%1,385
Loan loss allowance to noncurrent loans308.8546%1,610
Noncurrent assets plus other real estate owned to assets0.2327%3,668
Noncurrent loans to loans0.4756%2,847
Net loans and leases to total assets41.0570%4,908
Net loans and leases to deposits58.6169%4,548
Net loans and leases to core deposits59.3980%4,654
Total domestic deposits to total assets70.0429%5,150
Equity capital to assets7.6494%5,254
Core capital (leverage) ratio7.8892%5,271
Tier 1 risk-based capital ratio12.1366%4,332
Total risk-based capital ratio13.1789%4,361
Memoranda:
Average total assets$2,461,460,400363
Average earning assets$2,293,758,800355
Average equity$220,514,000420
Average total loans$1,041,319,800541
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2178%5,190
Cost of funding earning assets0.6665%2,054
Net interest margin2.5513%5,251
Noninterest income to average assets2.6968%188
Noninterest expense to average assets3.4709%1,021
Loan and lease loss provision to assets0.0628%2,719
Net operating income to assets1.2145%2,180
Return on assets (ROA)1.3900%1,526
Pretax return on assets1.7653%1,100
Return on Equity (ROE)14.9364%891
Retained earnings to average equity (ytd only)3.1518%4,169
Net charge-offs to loans0.0620%1,938
Credit loss provision to net charge-offs238.7500%1,218
Earnings coverage of net charge-offs (x)61.0150%1,053
Efficiency ratio68.2141%2,502
Assets per employee ($millions)3.8642%4,085
Cash dividends to net income (ytd only)*78.8986%601
Condition Ratios (%)
Loss allowance to loans1.5395%1,228
Loan loss allowance to noncurrent loans292.4212%1,679
Noncurrent assets plus other real estate owned to assets0.2637%3,634
Noncurrent loans to loans0.5265%2,801
Net loans and leases to total assets41.4909%4,984
Net loans and leases to deposits66.1974%4,184
Net loans and leases to core deposits67.2234%4,337
Total domestic deposits to total assets62.6776%5,367
Equity capital to assets9.0542%4,501
Core capital (leverage) ratio9.3761%4,304
Tier 1 risk-based capital ratio14.3839%3,180
Total risk-based capital ratio15.4684%3,176
Memoranda:
Average total assets$2,431,500,000365
Average earning assets$2,268,368,750357
Average equity$226,278,750410
Average total loans$1,032,748,500544
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1662%5,255
Cost of funding earning assets0.6404%1,986
Net interest margin2.5258%5,328
Noninterest income to average assets2.6653%191
Noninterest expense to average assets3.4707%1,037
Loan and lease loss provision to assets0.0629%2,645
Net operating income to assets1.1832%2,268
Return on assets (ROA)1.2423%2,013
Pretax return on assets1.5741%1,585
Return on Equity (ROE)13.2250%1,291
Retained earnings to average equity (ytd only)2.6117%4,211
Net charge-offs to loans0.0696%1,643
Credit loss provision to net charge-offs212.0448%1,255
Earnings coverage of net charge-offs (x)52.6695%1,091
Efficiency ratio68.8044%2,514
Assets per employee ($millions)3.5463%4,537
Cash dividends to net income (ytd only)*80.2515%698
Condition Ratios (%)
Loss allowance to loans1.5336%1,289
Loan loss allowance to noncurrent loans291.5693%1,680
Noncurrent assets plus other real estate owned to assets0.3005%3,561
Noncurrent loans to loans0.5260%2,844
Net loans and leases to total assets43.9641%4,904
Net loans and leases to deposits66.2209%4,155
Net loans and leases to core deposits67.1850%4,301
Total domestic deposits to total assets66.3900%5,379
Equity capital to assets9.6332%3,978
Core capital (leverage) ratio8.9702%4,714
Tier 1 risk-based capital ratio14.2508%3,234
Total risk-based capital ratio15.3202%3,243
Memoranda:
Average total assets$2,407,333,670368
Average earning assets$2,256,517,000358
Average equity$226,132,670409
Average total loans$1,025,272,670547
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9976%5,375
Cost of funding earning assets0.5915%2,109
Net interest margin2.4060%5,438
Noninterest income to average assets2.5487%193
Noninterest expense to average assets3.3568%1,239
Loan and lease loss provision to assets0.0614%2,551
Net operating income to assets1.1119%2,371
Return on assets (ROA)1.0022%2,871
Pretax return on assets1.2560%2,532
Return on Equity (ROE)10.8005%2,043
Retained earnings to average equity (ytd only)1.9823%4,355
Net charge-offs to loans0.0641%1,462
Credit loss provision to net charge-offs230.0613%957
Earnings coverage of net charge-offs (x)54.5276%897
Efficiency ratio69.6088%2,549
Assets per employee ($millions)3.6438%4,477
Cash dividends to net income (ytd only)*81.6460%809
Condition Ratios (%)
Loss allowance to loans1.5577%1,262
Loan loss allowance to noncurrent loans225.3782%2,048
Noncurrent assets plus other real estate owned to assets0.3861%3,294
Noncurrent loans to loans0.6912%2,484
Net loans and leases to total assets41.8737%4,985
Net loans and leases to deposits60.9967%4,401
Net loans and leases to core deposits61.9558%4,554
Total domestic deposits to total assets68.6491%5,401
Equity capital to assets9.4738%4,112
Core capital (leverage) ratio8.8368%4,860
Tier 1 risk-based capital ratio14.1957%3,282
Total risk-based capital ratio15.2580%3,292
Memoranda:
Average total assets$2,444,251,500364
Average earning assets$2,298,543,000357
Average equity$226,804,000413
Average total loans$1,016,969,500552
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7331%5,484
Cost of funding earning assets0.4270%2,981
Net interest margin2.3061%5,499
Noninterest income to average assets2.3310%239
Noninterest expense to average assets3.1096%1,832
Loan and lease loss provision to assets0.0594%3,047
Net operating income to assets1.0966%1,865
Return on assets (ROA)1.0903%1,913
Pretax return on assets1.3243%2,269
Return on Equity (ROE)12.4928%1,081
Retained earnings to average equity (ytd only)2.0747%4,073
Net charge-offs to loans0.1278%1,767
Credit loss provision to net charge-offs120.3922%2,168
Earnings coverage of net charge-offs (x)28.2047%1,610
Efficiency ratio69.0059%2,700
Assets per employee ($millions)3.8844%4,141
Cash dividends to net income (ytd only)*83.3925%719
Condition Ratios (%)
Loss allowance to loans1.5268%1,320
Loan loss allowance to noncurrent loans221.7509%2,116
Noncurrent assets plus other real estate owned to assets0.3554%3,446
Noncurrent loans to loans0.6885%2,497
Net loans and leases to total assets40.1005%5,130
Net loans and leases to deposits57.6198%4,709
Net loans and leases to core deposits58.5799%4,824
Total domestic deposits to total assets69.5950%5,421
Equity capital to assets9.0939%4,622
Core capital (leverage) ratio7.6779%5,522
Tier 1 risk-based capital ratio13.0142%3,895
Total risk-based capital ratio15.1915%3,302
Memoranda:
Average total assets$2,584,572,400338
Average earning assets$2,432,079,200332
Average equity$225,569,600401
Average total loans$997,326,000543
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6890%5,566
Cost of funding earning assets0.4019%3,171
Net interest margin2.2870%5,576
Noninterest income to average assets2.2613%255
Noninterest expense to average assets3.0055%2,094
Loan and lease loss provision to assets0.0570%2,947
Net operating income to assets0.9272%2,893
Return on assets (ROA)0.9284%2,945
Pretax return on assets1.3522%2,272
Return on Equity (ROE)10.7457%1,801
Retained earnings to average equity (ytd only)0.0794%5,189
Net charge-offs to loans0.1069%1,714
Credit loss provision to net charge-offs140.1258%1,775
Earnings coverage of net charge-offs (x)34.5850%1,433
Efficiency ratio68.0495%2,863
Assets per employee ($millions)3.9059%4,150
Cash dividends to net income (ytd only)*99.2611%324
Condition Ratios (%)
Loss allowance to loans1.5219%1,457
Loan loss allowance to noncurrent loans246.3684%1,875
Noncurrent assets plus other real estate owned to assets0.3469%3,652
Noncurrent loans to loans0.6177%2,860
Net loans and leases to total assets40.9234%5,158
Net loans and leases to deposits60.6043%4,610
Net loans and leases to core deposits61.6908%4,733
Total domestic deposits to total assets67.5256%5,553
Equity capital to assets9.1359%4,793
Core capital (leverage) ratio7.6082%5,608
Tier 1 risk-based capital ratio12.9368%4,058
Total risk-based capital ratio15.0462%3,466
Memoranda:
Average total assets$2,604,355,000340
Average earning assets$2,450,410,000331
Average equity$225,001,500404
Average total loans$991,589,000547
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5925%5,636
Cost of funding earning assets0.3659%3,420
Net interest margin2.2266%5,642
Noninterest income to average assets2.1787%285
Noninterest expense to average assets2.8779%2,494
Loan and lease loss provision to assets0.0547%2,881
Net operating income to assets0.9221%2,793
Return on assets (ROA)0.9228%2,851
Pretax return on assets1.3420%2,239
Return on Equity (ROE)10.8754%1,688
Retained earnings to average equity (ytd only)-0.2501%5,116
Net charge-offs to loans0.0574%2,110
Credit loss provision to net charge-offs257.6512%1,058
Earnings coverage of net charge-offs (x)65.7687%880
Efficiency ratio67.3417%3,126
Assets per employee ($millions)4.1623%3,692
Cash dividends to net income (ytd only)*102.2997%459
Condition Ratios (%)
Loss allowance to loans1.5666%1,343
Loan loss allowance to noncurrent loans192.0668%2,325
Noncurrent assets plus other real estate owned to assets0.3357%3,780
Noncurrent loans to loans0.8157%2,365
Net loans and leases to total assets38.6227%5,281
Net loans and leases to deposits62.4658%4,471
Net loans and leases to core deposits63.6052%4,630
Total domestic deposits to total assets61.8302%5,685
Equity capital to assets8.7804%5,081
Core capital (leverage) ratio7.5012%5,657
Tier 1 risk-based capital ratio12.8922%4,065
Total risk-based capital ratio14.9634%3,498
Memoranda:
Average total assets$2,648,327,000337
Average earning assets$2,491,627,330326
Average equity$224,709,000404
Average total loans$979,637,330556
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5112%5,716
Cost of funding earning assets0.3321%3,732
Net interest margin2.1791%5,712
Noninterest income to average assets2.1144%293
Noninterest expense to average assets2.7622%2,915
Loan and lease loss provision to assets0.0525%2,763
Net operating income to assets0.9197%2,669
Return on assets (ROA)0.9198%2,722
Pretax return on assets1.3554%2,043
Return on Equity (ROE)11.0236%1,558
Retained earnings to average equity (ytd only)1.2241%4,587
Net charge-offs to loans0.0190%2,412
Credit loss provision to net charge-offs767.3913%411
Earnings coverage of net charge-offs (x)205.8478%270
Efficiency ratio66.2400%3,459
Assets per employee ($millions)4.7561%2,761
Cash dividends to net income (ytd only)*88.8961%837
Condition Ratios (%)
Loss allowance to loans1.6069%1,360
Loan loss allowance to noncurrent loans215.2500%2,123
Noncurrent assets plus other real estate owned to assets0.2910%4,045
Noncurrent loans to loans0.7465%2,626
Net loans and leases to total assets35.4778%5,424
Net loans and leases to deposits55.8146%4,826
Net loans and leases to core deposits56.8486%4,930
Total domestic deposits to total assets63.5637%5,746
Equity capital to assets8.3485%5,330
Core capital (leverage) ratio7.2446%5,743
Tier 1 risk-based capital ratio12.9750%4,094
Total risk-based capital ratio15.0674%3,503
Memoranda:
Average total assets$2,690,511,500336
Average earning assets$2,537,957,000328
Average equity$224,500,500409
Average total loans$966,440,000564
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3828%5,794
Cost of funding earning assets0.2540%4,530
Net interest margin2.1288%5,778
Noninterest income to average assets2.1548%308
Noninterest expense to average assets2.8689%2,786
Loan and lease loss provision to assets0.0539%3,309
Net operating income to assets0.8849%2,907
Return on assets (ROA)0.8848%3,024
Pretax return on assets1.2270%2,567
Return on Equity (ROE)10.6938%1,695
Retained earnings to average equity (ytd only)1.2968%4,764
Net charge-offs to loans0.1287%1,957
Credit loss provision to net charge-offs121.1314%2,192
Earnings coverage of net charge-offs (x)28.7845%1,466
Efficiency ratio69.1309%3,051
Assets per employee ($millions)4.7093%2,774
Cash dividends to net income (ytd only)*87.8735%651
Condition Ratios (%)
Loss allowance to loans1.5948%1,389
Loan loss allowance to noncurrent loans219.5185%2,099
Noncurrent assets plus other real estate owned to assets0.2814%4,148
Noncurrent loans to loans0.7265%2,717
Net loans and leases to total assets35.2121%5,512
Net loans and leases to deposits57.0963%4,852
Net loans and leases to core deposits58.1064%4,957
Total domestic deposits to total assets61.6714%5,808
Equity capital to assets8.3398%5,396
Core capital (leverage) ratio7.2714%5,780
Tier 1 risk-based capital ratio13.1865%3,953
Total risk-based capital ratio15.3057%3,347
Memoranda:
Average total assets$2,700,853,800326
Average earning assets$2,531,241,000312
Average equity$223,474,800396
Average total loans$934,260,000546
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3793%5,859
Cost of funding earning assets0.2468%4,632
Net interest margin2.1325%5,845
Noninterest income to average assets2.1640%316
Noninterest expense to average assets2.8208%2,933
Loan and lease loss provision to assets0.0567%3,109
Net operating income to assets0.8924%2,946
Return on assets (ROA)0.8923%3,075
Pretax return on assets1.2795%2,503
Return on Equity (ROE)10.8048%1,747
Retained earnings to average equity (ytd only)0.6578%5,189
Net charge-offs to loans0.1222%1,734
Credit loss provision to net charge-offs135.2941%1,920
Earnings coverage of net charge-offs (x)31.8975%1,428
Efficiency ratio67.8531%3,248
Assets per employee ($millions)4.7136%2,723
Cash dividends to net income (ytd only)*93.9123%480
Condition Ratios (%)
Loss allowance to loans1.5910%1,502
Loan loss allowance to noncurrent loans207.9026%2,182
Noncurrent assets plus other real estate owned to assets0.3051%4,193
Noncurrent loans to loans0.7653%2,759
Net loans and leases to total assets35.1227%5,584
Net loans and leases to deposits56.9243%4,939
Net loans and leases to core deposits58.1005%5,050
Total domestic deposits to total assets61.7008%5,875
Equity capital to assets8.2874%5,627
Core capital (leverage) ratio7.1700%5,861
Tier 1 risk-based capital ratio13.0725%4,120
Total risk-based capital ratio15.1299%3,546
Memoranda:
Average total assets$2,704,989,250321
Average earning assets$2,528,255,000312
Average equity$223,377,250396
Average total loans$927,694,750547
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3713%5,940
Cost of funding earning assets0.2454%4,702
Net interest margin2.1259%5,922
Noninterest income to average assets2.1444%315
Noninterest expense to average assets2.7771%3,102
Loan and lease loss provision to assets0.0619%2,897
Net operating income to assets0.8724%2,994
Return on assets (ROA)0.8719%3,107
Pretax return on assets1.2903%2,449
Return on Equity (ROE)10.5713%1,820
Retained earnings to average equity (ytd only)0.7100%5,091
Net charge-offs to loans0.0850%1,994
Credit loss provision to net charge-offs215.1671%1,240
Earnings coverage of net charge-offs (x)47.0360%1,034
Efficiency ratio67.2414%3,495
Assets per employee ($millions)4.7742%2,599
Cash dividends to net income (ytd only)*93.2836%625
Condition Ratios (%)
Loss allowance to loans1.6431%1,423
Loan loss allowance to noncurrent loans154.9960%2,792
Noncurrent assets plus other real estate owned to assets0.4012%3,890
Noncurrent loans to loans1.0601%2,170
Net loans and leases to total assets33.6489%5,691
Net loans and leases to deposits53.4054%5,167
Net loans and leases to core deposits54.4367%5,255
Total domestic deposits to total assets63.0065%5,944
Equity capital to assets8.1531%5,755
Core capital (leverage) ratio7.1537%5,932
Tier 1 risk-based capital ratio13.5153%3,890
Total risk-based capital ratio15.5958%3,333
Memoranda:
Average total assets$2,704,777,000322
Average earning assets$2,526,361,000311
Average equity$223,094,000396
Average total loans$915,041,670550
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3666%6,005
Cost of funding earning assets0.2502%4,706
Net interest margin2.1165%5,989
Noninterest income to average assets2.1238%315
Noninterest expense to average assets2.7897%3,110
Loan and lease loss provision to assets0.0517%2,896
Net operating income to assets0.8548%2,974
Return on assets (ROA)0.8535%3,102
Pretax return on assets1.2660%2,445
Return on Equity (ROE)10.2868%1,856
Retained earnings to average equity (ytd only)1.2838%4,743
Net charge-offs to loans0.0977%1,542
Credit loss provision to net charge-offs157.2727%1,240
Earnings coverage of net charge-offs (x)40.1500%1,007
Efficiency ratio67.8870%3,480
Assets per employee ($millions)4.6036%2,892
Cash dividends to net income (ytd only)*87.5197%878
Condition Ratios (%)
Loss allowance to loans1.6399%1,507
Loan loss allowance to noncurrent loans153.1096%2,727
Noncurrent assets plus other real estate owned to assets0.4114%3,943
Noncurrent loans to loans1.0711%2,248
Net loans and leases to total assets34.7205%5,689
Net loans and leases to deposits55.8961%4,994
Net loans and leases to core deposits56.9772%5,089
Total domestic deposits to total assets62.1162%6,024
Equity capital to assets8.5089%5,557
Core capital (leverage) ratio7.1922%5,975
Tier 1 risk-based capital ratio13.9171%3,741
Total risk-based capital ratio15.9760%3,219
Memoranda:
Average total assets$2,677,422,500318
Average earning assets$2,511,752,500308
Average equity$222,149,000395
Average total loans$900,538,500557
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3147%6,047
Cost of funding earning assets0.2109%5,185
Net interest margin2.1038%6,023
Noninterest income to average assets2.2706%300
Noninterest expense to average assets2.9893%2,586
Loan and lease loss provision to assets0.0452%3,422
Net operating income to assets0.8521%3,105
Return on assets (ROA)0.8497%3,186
Pretax return on assets1.2056%2,639
Return on Equity (ROE)9.7522%2,104
Retained earnings to average equity (ytd only)7.4708%1,106
Net charge-offs to loans0.1414%1,933
Credit loss provision to net charge-offs97.7644%2,603
Earnings coverage of net charge-offs (x)27.1307%1,555
Efficiency ratio70.4430%3,152
Assets per employee ($millions)4.7909%2,621
Cash dividends to net income (ytd only)*23.3929%3,641
Condition Ratios (%)
Loss allowance to loans1.7220%1,307
Loan loss allowance to noncurrent loans150.1894%2,805
Noncurrent assets plus other real estate owned to assets0.4072%3,969
Noncurrent loans to loans1.1465%2,052
Net loans and leases to total assets31.4831%5,849
Net loans and leases to deposits50.5790%5,358
Net loans and leases to core deposits51.5466%5,430
Total domestic deposits to total assets62.2454%6,069
Equity capital to assets8.0936%5,814
Core capital (leverage) ratio7.1139%6,034
Tier 1 risk-based capital ratio14.2011%3,606
Total risk-based capital ratio16.2780%3,099
Memoranda:
Average total assets$2,515,617,200317
Average earning assets$2,359,202,200309
Average equity$219,172,000387
Average total loans$822,613,400572
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3412%6,138
Cost of funding earning assets0.2121%5,269
Net interest margin2.1291%6,091
Noninterest income to average assets2.3186%289
Noninterest expense to average assets3.0167%2,466
Loan and lease loss provision to assets0.0455%3,295
Net operating income to assets0.8449%3,192
Return on assets (ROA)0.8496%3,263
Pretax return on assets1.2602%2,554
Return on Equity (ROE)9.5631%2,287
Retained earnings to average equity (ytd only)6.5150%1,949
Net charge-offs to loans0.1405%1,716
Credit loss provision to net charge-offs98.4760%2,326
Earnings coverage of net charge-offs (x)28.1127%1,553
Efficiency ratio69.9046%3,225
Assets per employee ($millions)4.6971%2,713
Cash dividends to net income (ytd only)*31.8735%2,720
Condition Ratios (%)
Loss allowance to loans1.7939%1,280
Loan loss allowance to noncurrent loans139.7053%2,959
Noncurrent assets plus other real estate owned to assets0.4383%4,028
Noncurrent loans to loans1.2840%1,990
Net loans and leases to total assets30.6142%5,952
Net loans and leases to deposits48.2719%5,549
Net loans and leases to core deposits49.2533%5,605
Total domestic deposits to total assets63.4203%6,138
Equity capital to assets8.1455%5,901
Core capital (leverage) ratio7.1718%6,108
Tier 1 risk-based capital ratio14.1964%3,729
Total risk-based capital ratio16.3682%3,172
Memoranda:
Average total assets$2,461,822,750329
Average earning assets$2,308,789,500320
Average equity$218,710,000395
Average total loans$809,565,750581
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3754%6,201
Cost of funding earning assets0.2183%5,274
Net interest margin2.1571%6,160
Noninterest income to average assets2.3931%286
Noninterest expense to average assets3.0775%2,314
Loan and lease loss provision to assets0.0465%3,188
Net operating income to assets0.8702%3,044
Return on assets (ROA)0.8764%3,117
Pretax return on assets1.3005%2,360
Return on Equity (ROE)9.5646%2,273
Retained earnings to average equity (ytd only)9.5646%766
Net charge-offs to loans0.1241%1,768
Credit loss provision to net charge-offs111.6935%1,907
Earnings coverage of net charge-offs (x)32.1452%1,306
Efficiency ratio69.7015%3,381
Assets per employee ($millions)4.5729%2,869
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.8466%1,281
Loan loss allowance to noncurrent loans131.3790%3,080
Noncurrent assets plus other real estate owned to assets0.4719%4,046
Noncurrent loans to loans1.4055%1,916
Net loans and leases to total assets30.4103%6,026
Net loans and leases to deposits48.0347%5,595
Net loans and leases to core deposits49.2003%5,643
Total domestic deposits to total assets63.3091%6,214
Equity capital to assets8.3598%5,792
Core capital (leverage) ratio7.1773%6,159
Tier 1 risk-based capital ratio14.8080%3,466
Total risk-based capital ratio17.1648%2,860
Memoranda:
Average total assets$2,383,721,670339
Average earning assets$2,234,462,000327
Average equity$218,408,670394
Average total loans$799,263,000589
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4702%6,233
Cost of funding earning assets0.2404%5,123
Net interest margin2.2297%6,191
Noninterest income to average assets2.4920%277
Noninterest expense to average assets3.2311%1,903
Loan and lease loss provision to assets0.0471%2,989
Net operating income to assets0.8810%2,839
Return on assets (ROA)0.8834%2,953
Pretax return on assets1.3028%2,271
Return on Equity (ROE)9.1693%2,371
Retained earnings to average equity (ytd only)9.1693%1,141
Net charge-offs to loans0.0385%2,447
Credit loss provision to net charge-offs348.6842%729
Earnings coverage of net charge-offs (x)99.7237%496
Efficiency ratio70.5876%3,383
Assets per employee ($millions)4.6631%2,817
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.9329%1,220
Loan loss allowance to noncurrent loans128.2441%3,113
Noncurrent assets plus other real estate owned to assets0.5002%4,022
Noncurrent loans to loans1.5072%1,876
Net loans and leases to total assets29.6864%6,085
Net loans and leases to deposits46.5444%5,638
Net loans and leases to core deposits47.3929%5,702
Total domestic deposits to total assets63.7808%6,282
Equity capital to assets8.3848%5,817
Core capital (leverage) ratio6.9182%6,244
Tier 1 risk-based capital ratio15.5102%3,137
Total risk-based capital ratio18.0552%2,514
Memoranda:
Average total assets$2,251,730,000348
Average earning assets$2,106,093,000339
Average equity$216,941,500396
Average total loans$788,733,000586
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4136%6,349
Cost of funding earning assets0.2526%5,296
Net interest margin2.1610%6,321
Noninterest income to average assets2.3964%251
Noninterest expense to average assets3.0323%2,748
Loan and lease loss provision to assets0.0587%3,363
Net operating income to assets0.8962%2,893
Return on assets (ROA)0.9033%2,943
Pretax return on assets1.3256%2,155
Return on Equity (ROE)9.8824%2,169
Retained earnings to average equity (ytd only)6.7798%1,502
Net charge-offs to loans0.1861%2,180
Credit loss provision to net charge-offs91.4424%2,617
Earnings coverage of net charge-offs (x)21.3982%1,679
Efficiency ratio68.8194%3,749
Assets per employee ($millions)3.6741%4,583
Cash dividends to net income (ytd only)*31.3956%3,320
Condition Ratios (%)
Loss allowance to loans1.9175%1,277
Loan loss allowance to noncurrent loans152.2858%2,779
Noncurrent assets plus other real estate owned to assets0.5775%3,860
Noncurrent loans to loans1.2591%2,345
Net loans and leases to total assets40.7946%5,696
Net loans and leases to deposits60.2797%4,883
Net loans and leases to core deposits61.8082%5,011
Total domestic deposits to total assets67.6756%6,280
Equity capital to assets11.3591%2,549
Core capital (leverage) ratio7.1453%6,289
Tier 1 risk-based capital ratio17.6698%2,253
Total risk-based capital ratio20.5483%1,740
Memoranda:
Average total assets$2,256,842,800332
Average earning assets$2,098,914,600323
Average equity$206,275,600391
Average total loans$778,435,400561
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3244%6,454
Cost of funding earning assets0.2434%5,472
Net interest margin2.0810%6,425
Noninterest income to average assets2.3258%273
Noninterest expense to average assets2.9241%3,042
Loan and lease loss provision to assets0.0683%2,974
Net operating income to assets0.8668%3,092
Return on assets (ROA)0.8758%3,137
Pretax return on assets1.2850%2,437
Return on Equity (ROE)10.0753%2,181
Retained earnings to average equity (ytd only)5.8947%2,467
Net charge-offs to loans0.1347%2,447
Credit loss provision to net charge-offs153.4439%1,552
Earnings coverage of net charge-offs (x)30.0994%1,369
Efficiency ratio68.5750%3,751
Assets per employee ($millions)5.0651%2,167
Cash dividends to net income (ytd only)*41.4938%2,281
Condition Ratios (%)
Loss allowance to loans2.0375%1,188
Loan loss allowance to noncurrent loans158.6623%2,597
Noncurrent assets plus other real estate owned to assets0.4280%4,630
Noncurrent loans to loans1.2842%2,495
Net loans and leases to total assets29.0971%6,281
Net loans and leases to deposits45.9741%5,866
Net loans and leases to core deposits46.9279%5,927
Total domestic deposits to total assets63.2902%6,447
Equity capital to assets8.1091%6,073
Core capital (leverage) ratio6.9466%6,388
Tier 1 risk-based capital ratio17.2289%2,508
Total risk-based capital ratio20.0572%1,923
Memoranda:
Average total assets$2,348,019,250318
Average earning assets$2,187,018,750310
Average equity$204,112,000393
Average total loans$776,299,250562
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4340%6,497
Cost of funding earning assets0.2554%5,430
Net interest margin2.1786%6,463
Noninterest income to average assets2.4216%251
Noninterest expense to average assets3.0685%2,597
Loan and lease loss provision to assets0.0702%2,870
Net operating income to assets0.8873%2,877
Return on assets (ROA)0.9014%2,892
Pretax return on assets1.3215%2,182
Return on Equity (ROE)10.1115%2,104
Retained earnings to average equity (ytd only)6.7506%1,900
Net charge-offs to loans0.1255%2,413
Credit loss provision to net charge-offs162.9857%1,382
Earnings coverage of net charge-offs (x)31.8160%1,204
Efficiency ratio69.1187%3,816
Assets per employee ($millions)4.6400%2,714
Cash dividends to net income (ytd only)*33.2388%2,662
Condition Ratios (%)
Loss allowance to loans1.9969%1,368
Loan loss allowance to noncurrent loans171.8366%2,426
Noncurrent assets plus other real estate owned to assets0.4105%4,783
Noncurrent loans to loans1.1621%2,902
Net loans and leases to total assets30.5156%6,290
Net loans and leases to deposits50.2536%5,618
Net loans and leases to core deposits51.5102%5,693
Total domestic deposits to total assets60.7233%6,550
Equity capital to assets8.2888%5,956
Core capital (leverage) ratio7.0120%6,430
Tier 1 risk-based capital ratio16.7419%2,732
Total risk-based capital ratio19.4872%2,117
Memoranda:
Average total assets$2,269,620,670324
Average earning assets$2,102,289,000319
Average equity$202,324,000394
Average total loans$779,307,670559
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5784%6,526
Cost of funding earning assets0.2777%5,310
Net interest margin2.3007%6,473
Noninterest income to average assets2.5598%231
Noninterest expense to average assets3.2577%2,050
Loan and lease loss provision to assets0.0727%2,682
Net operating income to assets0.9245%2,527
Return on assets (ROA)0.9253%2,598
Pretax return on assets1.3531%1,904
Return on Equity (ROE)9.9746%2,050
Retained earnings to average equity (ytd only)9.9746%970
Net charge-offs to loans0.0830%2,314
Credit loss provision to net charge-offs241.9753%924
Earnings coverage of net charge-offs (x)47.4074%783
Efficiency ratio69.5733%3,898
Assets per employee ($millions)4.4756%3,009
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.9778%1,557
Loan loss allowance to noncurrent loans158.5952%2,545
Noncurrent assets plus other real estate owned to assets0.4776%4,706
Noncurrent loans to loans1.2471%2,957
Net loans and leases to total assets32.2065%6,259
Net loans and leases to deposits52.4117%5,433
Net loans and leases to core deposits53.9409%5,505
Total domestic deposits to total assets61.4491%6,629
Equity capital to assets8.5487%5,601
Core capital (leverage) ratio6.9551%6,479
Tier 1 risk-based capital ratio16.8429%2,762
Total risk-based capital ratio19.5097%2,151
Memoranda:
Average total assets$2,156,267,000337
Average earning assets$1,989,298,000333
Average equity$200,028,000398
Average total loans$780,315,500558
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6244%6,580
Cost of funding earning assets0.3092%5,525
Net interest margin2.3153%6,513
Noninterest income to average assets2.8752%237
Noninterest expense to average assets3.4826%1,695
Loan and lease loss provision to assets0.0848%3,416
Net operating income to assets0.9789%2,429
Return on assets (ROA)1.0275%2,274
Pretax return on assets1.5277%1,357
Return on Equity (ROE)11.1259%1,726
Retained earnings to average equity (ytd only)1.8043%4,948
Net charge-offs to loans0.1744%3,087
Credit loss provision to net charge-offs135.3378%1,735
Earnings coverage of net charge-offs (x)24.5694%1,360
Efficiency ratio69.3380%3,948
Assets per employee ($millions)3.6946%4,490
Cash dividends to net income (ytd only)*83.7824%802
Condition Ratios (%)
Loss allowance to loans1.9511%1,672
Loan loss allowance to noncurrent loans146.8958%2,720
Noncurrent assets plus other real estate owned to assets0.6304%4,342
Noncurrent loans to loans1.3282%2,912
Net loans and leases to total assets39.4926%5,999
Net loans and leases to deposits58.7583%5,056
Net loans and leases to core deposits60.5938%5,177
Total domestic deposits to total assets67.2119%6,607
Equity capital to assets10.1702%3,545
Core capital (leverage) ratio7.1634%6,485
Tier 1 risk-based capital ratio16.4535%2,878
Total risk-based capital ratio19.0574%2,276
Memoranda:
Average total assets$2,148,988,800334
Average earning assets$1,993,143,400325
Average equity$198,465,400391
Average total loans$772,490,400544
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5631%6,675
Cost of funding earning assets0.3116%5,631
Net interest margin2.2516%6,615
Noninterest income to average assets2.8418%254
Noninterest expense to average assets3.3413%1,976
Loan and lease loss provision to assets0.1084%2,956
Net operating income to assets1.0022%2,367
Return on assets (ROA)1.0654%2,221
Pretax return on assets1.5829%1,377
Return on Equity (ROE)11.7990%1,543
Retained earnings to average equity (ytd only)2.0771%5,084
Net charge-offs to loans0.1739%2,834
Credit loss provision to net charge-offs178.2090%1,354
Earnings coverage of net charge-offs (x)26.2467%1,356
Efficiency ratio67.6609%4,158
Assets per employee ($millions)4.4068%3,038
Cash dividends to net income (ytd only)*82.3957%717
Condition Ratios (%)
Loss allowance to loans1.9779%1,776
Loan loss allowance to noncurrent loans110.6881%3,223
Noncurrent assets plus other real estate owned to assets0.6600%4,458
Noncurrent loans to loans1.7869%2,514
Net loans and leases to total assets33.2546%6,397
Net loans and leases to deposits53.4634%5,586
Net loans and leases to core deposits55.0423%5,692
Total domestic deposits to total assets62.2006%6,772
Equity capital to assets8.4763%5,757
Core capital (leverage) ratio6.9766%6,591
Tier 1 risk-based capital ratio15.9995%3,196
Total risk-based capital ratio18.4805%2,581
Memoranda:
Average total assets$2,202,244,250328
Average earning assets$2,050,610,250317
Average equity$198,859,000388
Average total loans$770,668,750548
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6401%6,685
Cost of funding earning assets0.3259%5,603
Net interest margin2.3142%6,610
Noninterest income to average assets2.8895%269
Noninterest expense to average assets3.3748%1,880
Loan and lease loss provision to assets0.1097%2,967
Net operating income to assets1.0476%2,123
Return on assets (ROA)1.1289%1,940
Pretax return on assets1.6774%1,165
Return on Equity (ROE)12.2346%1,417
Retained earnings to average equity (ytd only)2.7240%4,579
Net charge-offs to loans0.1726%2,738
Credit loss provision to net charge-offs179.7277%1,329
Earnings coverage of net charge-offs (x)27.2814%1,220
Efficiency ratio66.9532%4,370
Assets per employee ($millions)4.4104%2,967
Cash dividends to net income (ytd only)*77.7350%965
Condition Ratios (%)
Loss allowance to loans1.9770%1,902
Loan loss allowance to noncurrent loans148.0745%2,536
Noncurrent assets plus other real estate owned to assets0.5182%4,974
Noncurrent loans to loans1.3351%3,323
Net loans and leases to total assets32.8750%6,464
Net loans and leases to deposits54.0307%5,520
Net loans and leases to core deposits55.7171%5,620
Total domestic deposits to total assets60.8449%6,830
Equity capital to assets8.6709%5,590
Core capital (leverage) ratio7.0231%6,607
Tier 1 risk-based capital ratio16.1120%3,133
Total risk-based capital ratio18.5788%2,553
Memoranda:
Average total assets$2,165,135,000331
Average earning assets$2,012,520,000324
Average equity$199,777,000385
Average total loans$765,927,670545
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7516%6,709
Cost of funding earning assets0.3503%5,529
Net interest margin2.4012%6,599
Noninterest income to average assets2.9828%253
Noninterest expense to average assets3.3731%1,890
Loan and lease loss provision to assets0.1124%2,827
Net operating income to assets1.1655%1,621
Return on assets (ROA)1.1655%1,730
Pretax return on assets1.7270%1,011
Return on Equity (ROE)12.2270%1,360
Retained earnings to average equity (ytd only)0.2182%5,711
Net charge-offs to loans0.0981%2,876
Credit loss provision to net charge-offs314.9733%769
Earnings coverage of net charge-offs (x)51.5561%662
Efficiency ratio64.7121%4,883
Assets per employee ($millions)4.3380%3,265
Cash dividends to net income (ytd only)*98.2157%666
Condition Ratios (%)
Loss allowance to loans1.9921%2,063
Loan loss allowance to noncurrent loans148.2715%2,405
Noncurrent assets plus other real estate owned to assets0.5288%5,070
Noncurrent loans to loans1.3435%3,548
Net loans and leases to total assets33.4712%6,442
Net loans and leases to deposits56.5318%5,195
Net loans and leases to core deposits58.8719%5,260
Total domestic deposits to total assets59.2077%6,922
Equity capital to assets9.0175%5,464
Core capital (leverage) ratio7.1147%6,608
Tier 1 risk-based capital ratio15.5313%3,510
Total risk-based capital ratio17.9222%2,888
Memoranda:
Average total assets$2,096,583,000344
Average earning assets$1,946,829,500333
Average equity$199,853,500391
Average total loans$762,829,000545
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8180%6,847
Cost of funding earning assets0.3820%6,042
Net interest margin2.4360%6,752
Noninterest income to average assets2.9845%257
Noninterest expense to average assets3.4212%2,005
Loan and lease loss provision to assets0.1257%4,042
Net operating income to assets1.1460%1,784
Return on assets (ROA)1.1536%1,923
Pretax return on assets1.7138%1,099
Return on Equity (ROE)12.6970%1,311
Retained earnings to average equity (ytd only)4.9956%2,706
Net charge-offs to loans0.3183%3,050
Credit loss provision to net charge-offs115.9140%2,491
Earnings coverage of net charge-offs (x)16.8563%1,543
Efficiency ratio65.1738%4,671
Assets per employee ($millions)3.8508%4,270
Cash dividends to net income (ytd only)*60.6551%1,759
Condition Ratios (%)
Loss allowance to loans1.9249%2,213
Loan loss allowance to noncurrent loans153.2017%2,334
Noncurrent assets plus other real estate owned to assets0.5399%5,126
Noncurrent loans to loans1.2564%3,732
Net loans and leases to total assets38.1606%6,292
Net loans and leases to deposits61.2742%4,871
Net loans and leases to core deposits64.4632%4,910
Total domestic deposits to total assets62.2785%6,951
Equity capital to assets10.1146%4,016
Core capital (leverage) ratio7.2346%6,624
Tier 1 risk-based capital ratio15.8474%3,242
Total risk-based capital ratio18.1295%2,674
Memoranda:
Average total assets$2,143,774,200336
Average earning assets$1,993,050,000320
Average equity$194,770,600385
Average total loans$730,499,000565
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7760%6,981
Cost of funding earning assets0.3801%6,228
Net interest margin2.3960%6,896
Noninterest income to average assets2.9568%252
Noninterest expense to average assets3.3040%2,263
Loan and lease loss provision to assets0.1048%4,263
Net operating income to assets1.1921%1,771
Return on assets (ROA)1.2020%1,899
Pretax return on assets1.7947%1,059
Return on Equity (ROE)13.5756%1,201
Retained earnings to average equity (ytd only)8.0691%1,595
Net charge-offs to loans0.2821%3,034
Credit loss provision to net charge-offs112.5737%2,596
Earnings coverage of net charge-offs (x)20.2515%1,455
Efficiency ratio63.6782%4,858
Assets per employee ($millions)4.4158%3,053
Cash dividends to net income (ytd only)*40.5618%2,134
Condition Ratios (%)
Loss allowance to loans1.9290%2,388
Loan loss allowance to noncurrent loans171.7994%2,027
Noncurrent assets plus other real estate owned to assets0.4278%5,612
Noncurrent loans to loans1.1228%4,179
Net loans and leases to total assets33.2603%6,690
Net loans and leases to deposits55.4133%5,680
Net loans and leases to core deposits58.1544%5,721
Total domestic deposits to total assets60.0222%7,064
Equity capital to assets9.0517%5,772
Core capital (leverage) ratio7.0952%6,777
Tier 1 risk-based capital ratio16.4134%3,052
Total risk-based capital ratio18.7031%2,524
Memoranda:
Average total assets$2,187,773,000327
Average earning assets$2,037,922,000315
Average equity$193,705,250385
Average total loans$721,710,000572
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8206%7,038
Cost of funding earning assets0.3860%6,349
Net interest margin2.4346%6,942
Noninterest income to average assets2.9539%249
Noninterest expense to average assets3.3018%2,296
Loan and lease loss provision to assets0.1045%4,219
Net operating income to assets1.2141%1,665
Return on assets (ROA)1.2217%1,828
Pretax return on assets1.8212%1,000
Return on Equity (ROE)13.9041%1,147
Retained earnings to average equity (ytd only)13.9041%357
Net charge-offs to loans0.3532%2,603
Credit loss provision to net charge-offs90.5976%3,031
Earnings coverage of net charge-offs (x)16.5904%1,585
Efficiency ratio63.2987%5,025
Assets per employee ($millions)4.4647%2,972
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.9642%2,329
Loan loss allowance to noncurrent loans144.3330%2,322
Noncurrent assets plus other real estate owned to assets0.4818%5,555
Noncurrent loans to loans1.3609%3,884
Net loans and leases to total assets31.4820%6,831
Net loans and leases to deposits54.4636%5,821
Net loans and leases to core deposits57.7540%5,794
Total domestic deposits to total assets57.8038%7,149
Equity capital to assets8.8475%5,857
Core capital (leverage) ratio7.0549%6,804
Tier 1 risk-based capital ratio16.7367%2,795
Total risk-based capital ratio19.0040%2,346
Memoranda:
Average total assets$2,175,181,000328
Average earning assets$2,021,296,000315
Average equity$191,123,330385
Average total loans$710,685,330582
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8958%7,080
Cost of funding earning assets0.3994%6,413
Net interest margin2.4963%6,955
Noninterest income to average assets3.0188%239
Noninterest expense to average assets3.4652%1,833
Loan and lease loss provision to assets0.1054%4,027
Net operating income to assets1.1873%1,777
Return on assets (ROA)1.1984%1,920
Pretax return on assets1.7814%1,118
Return on Equity (ROE)13.6893%1,257
Retained earnings to average equity (ytd only)13.6893%601
Net charge-offs to loans0.2235%2,804
Credit loss provision to net charge-offs143.0025%1,721
Earnings coverage of net charge-offs (x)25.3791%1,030
Efficiency ratio64.9469%4,747
Assets per employee ($millions)4.4361%3,114
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans2.0552%2,206
Loan loss allowance to noncurrent loans154.7971%2,113
Noncurrent assets plus other real estate owned to assets0.4612%5,703
Noncurrent loans to loans1.3277%4,123
Net loans and leases to total assets30.6223%6,880
Net loans and leases to deposits55.0906%5,699
Net loans and leases to core deposits58.0073%5,714
Total domestic deposits to total assets55.5853%7,225
Equity capital to assets8.4340%6,143
Core capital (leverage) ratio6.9974%6,838
Tier 1 risk-based capital ratio16.2136%3,063
Total risk-based capital ratio18.4488%2,565
Memoranda:
Average total assets$2,133,191,000334
Average earning assets$1,979,722,500317
Average equity$186,745,000386
Average total loans$703,288,000585
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0361%7,173
Cost of funding earning assets0.4285%6,806
Net interest margin2.6077%6,995
Noninterest income to average assets3.0601%206
Noninterest expense to average assets3.6154%1,715
Loan and lease loss provision to assets0.1101%5,213
Net operating income to assets1.1787%1,573
Return on assets (ROA)1.1821%1,675
Pretax return on assets1.7615%873
Return on Equity (ROE)14.4927%828
Retained earnings to average equity (ytd only)7.4917%1,278
Net charge-offs to loans0.2970%3,922
Credit loss provision to net charge-offs110.3481%3,031
Earnings coverage of net charge-offs (x)18.7043%1,202
Efficiency ratio65.9511%4,782
Assets per employee ($millions)3.8390%4,230
Cash dividends to net income (ytd only)*48.3072%2,140
Condition Ratios (%)
Loss allowance to loans2.0548%2,113
Loan loss allowance to noncurrent loans139.5629%2,282
Noncurrent assets plus other real estate owned to assets0.5742%5,537
Noncurrent loans to loans1.4723%3,950
Net loans and leases to total assets34.1756%6,860
Net loans and leases to deposits57.8453%5,708
Net loans and leases to core deposits61.0991%5,744
Total domestic deposits to total assets59.0810%7,239
Equity capital to assets9.1159%5,395
Core capital (leverage) ratio7.1759%6,799
Tier 1 risk-based capital ratio15.8594%3,123
Total risk-based capital ratio18.0713%2,645
Memoranda:
Average total assets$2,101,398,600329
Average earning assets$1,951,624,000315
Average equity$171,404,000413
Average total loans$705,981,600584
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0258%7,255
Cost of funding earning assets0.4331%6,929
Net interest margin2.5927%7,079
Noninterest income to average assets3.0747%210
Noninterest expense to average assets3.5271%1,866
Loan and lease loss provision to assets0.1078%5,089
Net operating income to assets1.2384%1,544
Return on assets (ROA)1.2429%1,639
Pretax return on assets1.8622%841
Return on Equity (ROE)15.6728%724
Retained earnings to average equity (ytd only)10.1367%807
Net charge-offs to loans0.2329%3,971
Credit loss provision to net charge-offs139.0777%2,295
Earnings coverage of net charge-offs (x)25.3244%1,052
Efficiency ratio64.2421%5,026
Assets per employee ($millions)4.3743%3,126
Cash dividends to net income (ytd only)*35.3232%2,249
Condition Ratios (%)
Loss allowance to loans2.0544%2,193
Loan loss allowance to noncurrent loans154.3183%1,973
Noncurrent assets plus other real estate owned to assets0.4748%5,892
Noncurrent loans to loans1.3313%4,309
Net loans and leases to total assets30.6731%7,068
Net loans and leases to deposits58.9868%5,748
Net loans and leases to core deposits62.3969%5,785
Total domestic deposits to total assets51.9999%7,351
Equity capital to assets7.8452%6,783
Core capital (leverage) ratio6.8015%7,009
Tier 1 risk-based capital ratio15.2289%3,534
Total risk-based capital ratio17.2223%3,090
Memoranda:
Average total assets$2,125,752,750328
Average earning assets$1,980,582,250313
Average equity$168,585,000428
Average total loans$707,666,750588
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1483%7,301
Cost of funding earning assets0.4554%6,988
Net interest margin2.6929%7,038
Noninterest income to average assets3.1846%215
Noninterest expense to average assets3.5829%1,777
Loan and lease loss provision to assets0.1079%4,954
Net operating income to assets1.3358%1,227
Return on assets (ROA)1.3428%1,284
Pretax return on assets2.0149%572
Return on Equity (ROE)16.8654%565
Retained earnings to average equity (ytd only)8.3958%1,305
Net charge-offs to loans0.2668%3,553
Credit loss provision to net charge-offs118.8960%2,581
Earnings coverage of net charge-offs (x)23.2781%1,093
Efficiency ratio62.9100%5,418
Assets per employee ($millions)4.4608%2,907
Cash dividends to net income (ytd only)*50.2188%1,685
Condition Ratios (%)
Loss allowance to loans2.0228%2,304
Loan loss allowance to noncurrent loans142.4212%2,079
Noncurrent assets plus other real estate owned to assets0.4980%5,925
Noncurrent loans to loans1.4203%4,289
Net loans and leases to total assets30.0942%7,176
Net loans and leases to deposits44.6582%6,900
Net loans and leases to core deposits46.5619%6,908
Total domestic deposits to total assets67.3877%7,220
Equity capital to assets7.4673%6,965
Core capital (leverage) ratio6.9705%7,005
Tier 1 risk-based capital ratio15.2350%3,379
Total risk-based capital ratio17.4591%2,844
Memoranda:
Average total assets$2,076,129,330339
Average earning assets$1,935,706,000325
Average equity$165,297,000437
Average total loans$706,112,000600
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3304%7,303
Cost of funding earning assets0.4942%6,991
Net interest margin2.8361%6,856
Noninterest income to average assets3.2382%200
Noninterest expense to average assets3.7567%1,428
Loan and lease loss provision to assets0.1093%4,649
Net operating income to assets1.3429%1,167
Return on assets (ROA)1.3429%1,216
Pretax return on assets2.0069%557
Return on Equity (ROE)16.2730%646
Retained earnings to average equity (ytd only)7.6224%1,878
Net charge-offs to loans0.4210%2,426
Credit loss provision to net charge-offs72.2372%3,310
Earnings coverage of net charge-offs (x)13.9825%1,396
Efficiency ratio63.9669%5,368
Assets per employee ($millions)3.7741%4,360
Cash dividends to net income (ytd only)*53.1592%1,402
Condition Ratios (%)
Loss allowance to loans1.9842%2,460
Loan loss allowance to noncurrent loans169.5235%1,729
Noncurrent assets plus other real estate owned to assets0.4937%5,989
Noncurrent loans to loans1.1704%4,743
Net loans and leases to total assets35.3731%7,030
Net loans and leases to deposits54.0718%6,287
Net loans and leases to core deposits57.0519%6,339
Total domestic deposits to total assets65.4188%7,343
Equity capital to assets8.4465%5,986
Core capital (leverage) ratio7.0046%7,005
Tier 1 risk-based capital ratio15.2159%3,308
Total risk-based capital ratio17.4619%2,769
Memoranda:
Average total assets$1,961,065,500360
Average earning assets$1,821,776,000348
Average equity$161,838,500442
Average total loans$704,979,000605
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5412%7,372
Cost of funding earning assets0.5645%7,196
Net interest margin2.9767%6,780
Noninterest income to average assets3.4773%198
Noninterest expense to average assets4.0943%1,031
Loan and lease loss provision to assets0.1477%5,714
Net operating income to assets1.3011%1,173
Return on assets (ROA)1.2995%1,232
Pretax return on assets1.9875%488
Return on Equity (ROE)15.6969%614
Retained earnings to average equity (ytd only)3.7213%3,261
Net charge-offs to loans0.3595%4,222
Credit loss provision to net charge-offs111.3252%3,942
Earnings coverage of net charge-offs (x)16.1097%1,235
Efficiency ratio65.6315%5,038
Assets per employee ($millions)3.8195%4,207
Cash dividends to net income (ytd only)*76.2930%980
Condition Ratios (%)
Loss allowance to loans2.0012%2,298
Loan loss allowance to noncurrent loans134.7073%2,190
Noncurrent assets plus other real estate owned to assets0.6012%5,820
Noncurrent loans to loans1.4856%4,251
Net loans and leases to total assets35.0937%7,197
Net loans and leases to deposits53.8960%6,615
Net loans and leases to core deposits56.4674%6,671
Total domestic deposits to total assets65.1137%7,416
Equity capital to assets8.0614%6,431
Core capital (leverage) ratio7.0244%7,014
Tier 1 risk-based capital ratio14.9915%3,257
Total risk-based capital ratio17.1807%2,738
Memoranda:
Average total assets$1,916,429,200364
Average earning assets$1,773,495,000351
Average equity$158,656,000432
Average total loans$707,404,600616
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6064%7,488
Cost of funding earning assets0.5812%7,324
Net interest margin3.0252%6,780
Noninterest income to average assets3.5196%188
Noninterest expense to average assets4.1138%923
Loan and lease loss provision to assets0.1489%5,549
Net operating income to assets1.3384%1,260
Return on assets (ROA)1.3351%1,343
Pretax return on assets2.0450%569
Return on Equity (ROE)16.0174%701
Retained earnings to average equity (ytd only)2.5602%4,630
Net charge-offs to loans0.2135%4,661
Credit loss provision to net charge-offs187.4669%1,925
Earnings coverage of net charge-offs (x)27.6849%930
Efficiency ratio65.0771%5,039
Assets per employee ($millions)3.6331%4,654
Cash dividends to net income (ytd only)*84.0159%563
Condition Ratios (%)
Loss allowance to loans2.1154%1,967
Loan loss allowance to noncurrent loans133.4351%2,128
Noncurrent assets plus other real estate owned to assets0.6637%5,794
Noncurrent loans to loans1.5853%4,263
Net loans and leases to total assets36.8063%7,232
Net loans and leases to deposits62.9271%6,028
Net loans and leases to core deposits66.2658%6,101
Total domestic deposits to total assets58.4903%7,614
Equity capital to assets8.6727%6,067
Core capital (leverage) ratio6.9605%7,185
Tier 1 risk-based capital ratio14.9225%3,289
Total risk-based capital ratio16.9971%2,842
Memoranda:
Average total assets$1,901,863,750365
Average earning assets$1,755,955,250350
Average equity$158,523,250427
Average total loans$707,470,000618
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6167%7,566
Cost of funding earning assets0.5836%7,435
Net interest margin3.0331%6,761
Noninterest income to average assets3.5292%187
Noninterest expense to average assets4.1123%909
Loan and lease loss provision to assets0.1456%5,439
Net operating income to assets1.3480%1,196
Return on assets (ROA)1.3431%1,275
Pretax return on assets2.0611%537
Return on Equity (ROE)16.3288%659
Retained earnings to average equity (ytd only)6.1622%2,245
Net charge-offs to loans0.2439%4,137
Credit loss provision to net charge-offs161.0405%2,447
Earnings coverage of net charge-offs (x)24.4890%1,068
Efficiency ratio64.9015%5,167
Assets per employee ($millions)3.5264%4,855
Cash dividends to net income (ytd only)*62.2617%1,249
Condition Ratios (%)
Loss allowance to loans1.9961%2,195
Loan loss allowance to noncurrent loans137.7657%2,013
Noncurrent assets plus other real estate owned to assets0.6388%5,889
Noncurrent loans to loans1.4489%4,536
Net loans and leases to total assets38.5327%7,243
Net loans and leases to deposits66.3907%5,758
Net loans and leases to core deposits69.8461%5,890
Total domestic deposits to total assets58.0393%7,683
Equity capital to assets8.7276%5,846
Core capital (leverage) ratio7.0383%7,164
Tier 1 risk-based capital ratio14.5929%3,389
Total risk-based capital ratio16.4986%2,993
Memoranda:
Average total assets$1,913,339,000363
Average earning assets$1,764,568,670350
Average equity$157,378,670429
Average total loans$709,230,330621
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6056%7,677
Cost of funding earning assets0.5736%7,574
Net interest margin3.0320%6,758
Noninterest income to average assets3.4703%185
Noninterest expense to average assets3.9948%1,042
Loan and lease loss provision to assets0.1409%5,138
Net operating income to assets1.3791%1,125
Return on assets (ROA)1.3791%1,200
Pretax return on assets2.1350%471
Return on Equity (ROE)17.2612%583
Retained earnings to average equity (ytd only)9.5714%1,250
Net charge-offs to loans0.2303%3,544
Credit loss provision to net charge-offs169.8765%2,143
Earnings coverage of net charge-offs (x)27.4395%930
Efficiency ratio63.6076%5,563
Assets per employee ($millions)3.5533%4,920
Cash dividends to net income (ytd only)*44.5500%1,630
Condition Ratios (%)
Loss allowance to loans2.0135%2,150
Loan loss allowance to noncurrent loans174.7714%1,602
Noncurrent assets plus other real estate owned to assets0.5182%6,201
Noncurrent loans to loans1.1520%5,063
Net loans and leases to total assets37.0444%7,387
Net loans and leases to deposits66.0143%5,820
Net loans and leases to core deposits69.3208%5,973
Total domestic deposits to total assets56.1158%7,796
Equity capital to assets8.5323%5,956
Core capital (leverage) ratio7.0282%7,235
Tier 1 risk-based capital ratio14.3859%3,445
Total risk-based capital ratio16.4384%2,981
Memoranda:
Average total assets$1,953,155,000366
Average earning assets$1,803,966,500356
Average equity$156,049,000438
Average total loans$703,362,000645
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9144%7,729
Cost of funding earning assets0.7665%7,600
Net interest margin3.1479%6,231
Noninterest income to average assets3.5575%192
Noninterest expense to average assets4.4306%854
Loan and lease loss provision to assets0.1477%6,187
Net operating income to assets1.2128%1,221
Return on assets (ROA)1.2133%1,261
Pretax return on assets1.9009%511
Return on Equity (ROE)16.7006%483
Retained earnings to average equity (ytd only)3.0932%2,994
Net charge-offs to loans0.2963%4,780
Credit loss provision to net charge-offs133.2394%3,748
Earnings coverage of net charge-offs (x)18.4770%1,125
Efficiency ratio68.2949%4,963
Assets per employee ($millions)3.8640%4,112
Cash dividends to net income (ytd only)*81.4786%1,127
Condition Ratios (%)
Loss allowance to loans1.9688%2,098
Loan loss allowance to noncurrent loans154.1190%1,870
Noncurrent assets plus other real estate owned to assets0.4903%6,224
Noncurrent loans to loans1.2774%4,791
Net loans and leases to total assets33.7066%7,604
Net loans and leases to deposits58.9767%6,705
Net loans and leases to core deposits65.7477%6,997
Total domestic deposits to total assets57.1524%7,840
Equity capital to assets7.4971%7,038
Core capital (leverage) ratio7.0013%7,239
Tier 1 risk-based capital ratio14.0299%3,483
Total risk-based capital ratio15.9770%3,041
Memoranda:
Average total assets$1,921,935,000362
Average earning assets$1,783,326,400357
Average equity$139,629,600483
Average total loans$718,939,200642
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0290%7,795
Cost of funding earning assets0.8202%7,668
Net interest margin3.2087%5,988
Noninterest income to average assets3.5060%183
Noninterest expense to average assets4.4779%762
Loan and lease loss provision to assets0.1489%5,865
Net operating income to assets1.1902%1,489
Return on assets (ROA)1.1902%1,545
Pretax return on assets1.8629%709
Return on Equity (ROE)16.5251%594
Retained earnings to average equity (ytd only)1.8361%4,294
Net charge-offs to loans0.2028%4,778
Credit loss provision to net charge-offs192.0837%2,356
Earnings coverage of net charge-offs (x)25.9554%1,034
Efficiency ratio68.9018%4,810
Assets per employee ($millions)3.3391%5,283
Cash dividends to net income (ytd only)*88.8889%762
Condition Ratios (%)
Loss allowance to loans1.9662%1,876
Loan loss allowance to noncurrent loans271.7629%1,096
Noncurrent assets plus other real estate owned to assets0.3607%6,582
Noncurrent loans to loans0.7235%5,859
Net loans and leases to total assets39.6149%7,479
Net loans and leases to deposits68.4554%6,092
Net loans and leases to core deposits77.4582%6,529
Total domestic deposits to total assets57.8696%7,904
Equity capital to assets7.9651%6,880
Core capital (leverage) ratio7.0749%7,383
Tier 1 risk-based capital ratio14.0755%3,505
Total risk-based capital ratio16.0304%3,092
Memoranda:
Average total assets$1,890,438,000383
Average earning assets$1,757,816,000376
Average equity$136,153,500501
Average total loans$722,636,750660
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0170%7,905
Cost of funding earning assets0.8347%7,775
Net interest margin3.1823%5,977
Noninterest income to average assets3.4332%186
Noninterest expense to average assets4.4340%828
Loan and lease loss provision to assets0.1437%5,634
Net operating income to assets1.1503%1,613
Return on assets (ROA)1.1503%1,697
Pretax return on assets1.8066%840
Return on Equity (ROE)16.5116%644
Retained earnings to average equity (ytd only)7.5695%1,367
Net charge-offs to loans0.2074%4,216
Credit loss provision to net charge-offs184.5333%2,484
Earnings coverage of net charge-offs (x)25.0453%1,135
Efficiency ratio69.3534%4,909
Assets per employee ($millions)3.0811%5,916
Cash dividends to net income (ytd only)*54.1565%1,890
Condition Ratios (%)
Loss allowance to loans1.9097%1,768
Loan loss allowance to noncurrent loans254.4565%1,216
Noncurrent assets plus other real estate owned to assets0.4094%6,437
Noncurrent loans to loans0.7505%5,737
Net loans and leases to total assets41.8705%7,452
Net loans and leases to deposits74.3486%5,406
Net loans and leases to core deposits83.4795%6,123
Total domestic deposits to total assets56.3165%8,001
Equity capital to assets8.2738%6,379
Core capital (leverage) ratio6.1708%7,885
Tier 1 risk-based capital ratio14.1426%3,433
Total risk-based capital ratio15.9437%3,087
Memoranda:
Average total assets$1,926,221,670388
Average earning assets$1,786,278,330375
Average equity$134,196,670517
Average total loans$723,337,330680
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8378%8,029
Cost of funding earning assets0.8220%7,887
Net interest margin3.0157%6,438
Noninterest income to average assets2.3945%265
Noninterest expense to average assets3.5053%2,087
Loan and lease loss provision to assets0.1327%5,262
Net operating income to assets0.9920%2,344
Return on assets (ROA)0.9920%2,482
Pretax return on assets1.5563%1,519
Return on Equity (ROE)15.4375%899
Retained earnings to average equity (ytd only)3.2532%4,063
Net charge-offs to loans0.1591%3,691
Credit loss provision to net charge-offs235.4167%1,960
Earnings coverage of net charge-offs (x)29.9618%1,056
Efficiency ratio67.3701%5,070
Assets per employee ($millions)4.0354%3,590
Cash dividends to net income (ytd only)*78.9266%1,088
Condition Ratios (%)
Loss allowance to loans1.8636%1,707
Loan loss allowance to noncurrent loans264.4475%1,271
Noncurrent assets plus other real estate owned to assets0.3016%6,616
Noncurrent loans to loans0.7047%5,651
Net loans and leases to total assets32.4912%7,852
Net loans and leases to deposits57.7824%7,051
Net loans and leases to core deposits62.7654%7,361
Total domestic deposits to total assets56.2302%8,040
Equity capital to assets6.0338%7,991
Core capital (leverage) ratio5.6218%8,065
Tier 1 risk-based capital ratio13.7304%3,726
Total risk-based capital ratio15.4383%3,415
Memoranda:
Average total assets$2,043,559,000370
Average earning assets$1,897,252,500356
Average equity$131,317,000526
Average total loans$723,981,500687
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0501%7,807
Cost of funding earning assets1.8050%6,990
Net interest margin3.2451%6,227
Noninterest income to average assets5.9990%107
Noninterest expense to average assets5.1218%593
Loan and lease loss provision to assets0.1216%5,803
Net operating income to assets2.3216%183
Return on assets (ROA)2.3882%157
Pretax return on assets3.7822%66
Return on Equity (ROE)31.3189%49
Retained earnings to average equity (ytd only)6.1968%1,440
Net charge-offs to loans0.2680%3,615
Credit loss provision to net charge-offs109.9738%4,901
Earnings coverage of net charge-offs (x)34.3606%1,056
Efficiency ratio57.3311%6,813
Assets per employee ($millions)3.5035%4,647
Cash dividends to net income (ytd only)*80.2139%1,703
Condition Ratios (%)
Loss allowance to loans1.8241%1,578
Loan loss allowance to noncurrent loans252.2531%1,582
Noncurrent assets plus other real estate owned to assets0.3318%6,276
Noncurrent loans to loans0.7231%5,227
Net loans and leases to total assets37.4233%7,777
Net loans and leases to deposits63.2109%6,862
Net loans and leases to core deposits69.2421%7,233
Total domestic deposits to total assets59.2039%7,987
Equity capital to assets6.8809%7,790
Core capital (leverage) ratio6.2736%7,999
Tier 1 risk-based capital ratio13.6175%3,750
Total risk-based capital ratio15.4522%3,367
Memoranda:
Average total assets$1,722,663,400413
Average earning assets$1,551,427,800412
Average equity$131,358,400529
Average total loans$710,828,400671