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The Conway National Bank, Performance and Condition Ratios

2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2728%5,168
Cost of funding earning assets0.1902%5,078
Net interest margin3.0826%4,738
Noninterest income to average assets0.7344%1,683
Noninterest expense to average assets2.2787%4,231
Loan and lease loss provision to assets0.0372%3,004
Net operating income to assets1.0341%2,718
Return on assets (ROA)1.0267%2,761
Pretax return on assets1.3444%2,206
Return on Equity (ROE)11.1516%1,905
Retained earnings to average equity (ytd only)11.1516%858
Net charge-offs to loans0.0737%1,384
Credit loss provision to net charge-offs118.8889%1,388
Earnings coverage of net charge-offs (x)44.4667%1,004
Efficiency ratio62.0951%3,764
Assets per employee ($millions)4.5972%3,000
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.2384%2,586
Loan loss allowance to noncurrent loans162.5973%2,613
Noncurrent assets plus other real estate owned to assets0.4485%3,056
Noncurrent loans to loans0.7617%2,293
Net loans and leases to total assets41.8815%4,984
Net loans and leases to deposits51.4149%4,906
Net loans and leases to core deposits54.8894%4,884
Total domestic deposits to total assets81.4579%4,104
Equity capital to assets9.2459%4,322
Core capital (leverage) ratio9.7588%3,798
Tier 1 risk-based capital ratio18.0873%1,813
Total risk-based capital ratio19.0704%1,832
Memoranda:
Average total assets$1,150,841,500668
Average earning assets$1,095,826,000649
Average equity$105,957,500801
Average total loans$488,635,5001,077
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2328%5,153
Cost of funding earning assets0.1720%5,144
Net interest margin3.0609%4,770
Noninterest income to average assets0.8201%1,502
Noninterest expense to average assets2.3927%4,097
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.7627%3,334
Return on assets (ROA)0.7625%3,372
Pretax return on assets1.3229%2,273
Return on Equity (ROE)8.1528%2,726
Retained earnings to average equity (ytd only)4.0315%2,768
Net charge-offs to loans0.3032%857
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)10.4320%2,678
Efficiency ratio64.3910%3,554
Assets per employee ($millions)4.5367%3,135
Cash dividends to net income (ytd only)*50.5514%2,256
Condition Ratios (%)
Loss allowance to loans1.2385%2,547
Loan loss allowance to noncurrent loans138.0941%2,958
Noncurrent assets plus other real estate owned to assets0.4835%2,950
Noncurrent loans to loans0.8968%1,985
Net loans and leases to total assets41.9850%5,067
Net loans and leases to deposits51.7367%4,998
Net loans and leases to core deposits55.3882%4,955
Total domestic deposits to total assets81.1513%4,081
Equity capital to assets9.1678%4,562
Core capital (leverage) ratio9.3831%4,188
Tier 1 risk-based capital ratio17.6106%1,919
Total risk-based capital ratio18.5911%1,938
Memoranda:
Average total assets$1,129,786,600652
Average earning assets$1,068,840,800636
Average equity$105,669,000775
Average total loans$472,691,0001,084
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2064%5,218
Cost of funding earning assets0.1699%5,200
Net interest margin3.0365%4,838
Noninterest income to average assets0.8012%1,577
Noninterest expense to average assets2.3658%4,101
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.8666%3,192
Return on assets (ROA)0.8664%3,243
Pretax return on assets1.3042%2,469
Return on Equity (ROE)9.2164%2,490
Retained earnings to average equity (ytd only)9.2164%785
Net charge-offs to loans0.2025%1,052
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)15.4635%2,226
Efficiency ratio64.4575%3,455
Assets per employee ($millions)4.6505%2,901
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans1.4372%1,751
Loan loss allowance to noncurrent loans164.6787%2,591
Noncurrent assets plus other real estate owned to assets0.4870%3,106
Noncurrent loans to loans0.8727%2,192
Net loans and leases to total assets39.7462%5,206
Net loans and leases to deposits49.1512%5,152
Net loans and leases to core deposits52.5004%5,123
Total domestic deposits to total assets80.8652%4,088
Equity capital to assets9.4074%4,536
Core capital (leverage) ratio9.5837%4,048
Tier 1 risk-based capital ratio18.2990%1,776
Total risk-based capital ratio19.4138%1,766
Memoranda:
Average total assets$1,125,287,000661
Average earning assets$1,063,275,000640
Average equity$105,779,500774
Average total loans$468,878,5001,090
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1604%5,292
Cost of funding earning assets0.1675%5,227
Net interest margin2.9930%4,929
Noninterest income to average assets0.7958%1,583
Noninterest expense to average assets2.3817%4,106
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.8235%3,279
Return on assets (ROA)0.8235%3,337
Pretax return on assets1.2350%2,637
Return on Equity (ROE)8.7632%2,622
Retained earnings to average equity (ytd only)8.7632%911
Net charge-offs to loans0.2174%945
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)13.4813%2,130
Efficiency ratio65.8539%3,375
Assets per employee ($millions)4.4551%3,186
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans1.4692%1,687
Loan loss allowance to noncurrent loans141.2612%2,897
Noncurrent assets plus other real estate owned to assets0.6065%2,747
Noncurrent loans to loans1.0400%1,892
Net loans and leases to total assets41.4541%5,171
Net loans and leases to deposits50.2950%5,125
Net loans and leases to core deposits53.5977%5,103
Total domestic deposits to total assets82.4218%3,762
Equity capital to assets9.5087%4,394
Core capital (leverage) ratio9.8367%3,736
Tier 1 risk-based capital ratio18.1302%1,816
Total risk-based capital ratio19.2964%1,797
Memoranda:
Average total assets$1,111,295,000671
Average earning assets$1,047,391,330651
Average equity$104,436,330786
Average total loans$468,268,6701,096
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1472%5,309
Cost of funding earning assets0.1663%5,259
Net interest margin2.9809%4,928
Noninterest income to average assets0.7533%1,734
Noninterest expense to average assets2.3252%4,341
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.8189%3,130
Return on assets (ROA)0.8189%3,188
Pretax return on assets1.2358%2,457
Return on Equity (ROE)8.7671%2,529
Retained earnings to average equity (ytd only)8.7671%1,157
Net charge-offs to loans0.1143%1,254
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)25.6316%1,332
Efficiency ratio65.2957%3,618
Assets per employee ($millions)4.4286%3,282
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans1.5824%1,424
Loan loss allowance to noncurrent loans137.1498%2,998
Noncurrent assets plus other real estate owned to assets0.7463%2,430
Noncurrent loans to loans1.1537%1,762
Net loans and leases to total assets41.4162%5,188
Net loans and leases to deposits50.1607%5,124
Net loans and leases to core deposits53.6568%5,079
Total domestic deposits to total assets82.5670%3,986
Equity capital to assets9.4727%4,303
Core capital (leverage) ratio9.7451%3,824
Tier 1 risk-based capital ratio18.0406%1,864
Total risk-based capital ratio19.2904%1,821
Memoranda:
Average total assets$1,103,377,000680
Average earning assets$1,039,288,500662
Average equity$103,067,000792
Average total loans$465,298,5001,102
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1914%5,315
Cost of funding earning assets0.1705%5,283
Net interest margin3.0210%4,918
Noninterest income to average assets0.7794%1,831
Noninterest expense to average assets2.4148%4,265
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.8026%3,291
Return on assets (ROA)0.8030%3,395
Pretax return on assets1.2165%2,600
Return on Equity (ROE)8.4060%2,740
Retained earnings to average equity (ytd only)4.3615%2,796
Net charge-offs to loans0.1726%1,583
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)16.3088%2,121
Efficiency ratio66.5098%3,508
Assets per employee ($millions)4.4338%3,216
Cash dividends to net income (ytd only)*48.1152%2,401
Condition Ratios (%)
Loss allowance to loans1.6024%1,367
Loan loss allowance to noncurrent loans134.8242%3,024
Noncurrent assets plus other real estate owned to assets0.8069%2,336
Noncurrent loans to loans1.1885%1,727
Net loans and leases to total assets41.5814%5,251
Net loans and leases to deposits51.0837%5,166
Net loans and leases to core deposits54.7595%5,112
Total domestic deposits to total assets81.3986%4,235
Equity capital to assets9.2095%4,571
Core capital (leverage) ratio9.3886%4,234
Tier 1 risk-based capital ratio17.5660%1,986
Total risk-based capital ratio18.8160%1,948
Memoranda:
Average total assets$1,077,018,200671
Average earning assets$1,016,567,200649
Average equity$102,878,400768
Average total loans$465,148,6001,042
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1899%5,375
Cost of funding earning assets0.1705%5,346
Net interest margin3.0194%4,975
Noninterest income to average assets0.7571%1,942
Noninterest expense to average assets2.3930%4,299
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.8019%3,357
Return on assets (ROA)0.8024%3,494
Pretax return on assets1.2167%2,770
Return on Equity (ROE)8.3232%2,843
Retained earnings to average equity (ytd only)8.3232%1,036
Net charge-offs to loans0.1799%1,298
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)15.5678%2,176
Efficiency ratio66.3065%3,540
Assets per employee ($millions)4.4626%3,143
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans1.6199%1,408
Loan loss allowance to noncurrent loans126.6887%3,147
Noncurrent assets plus other real estate owned to assets0.9041%2,293
Noncurrent loans to loans1.2786%1,745
Net loans and leases to total assets41.8224%5,302
Net loans and leases to deposits51.2117%5,244
Net loans and leases to core deposits55.7440%5,160
Total domestic deposits to total assets81.6657%4,052
Equity capital to assets9.5856%4,571
Core capital (leverage) ratio9.6664%3,977
Tier 1 risk-based capital ratio17.6948%2,009
Total risk-based capital ratio18.9451%1,969
Memoranda:
Average total assets$1,070,267,250672
Average earning assets$1,010,920,750654
Average equity$103,179,250771
Average total loans$464,799,7501,045
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1891%5,446
Cost of funding earning assets0.1712%5,401
Net interest margin3.0179%5,040
Noninterest income to average assets0.7382%1,981
Noninterest expense to average assets2.3619%4,450
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.8156%3,240
Return on assets (ROA)0.8164%3,373
Pretax return on assets1.2328%2,658
Return on Equity (ROE)8.4513%2,770
Retained earnings to average equity (ytd only)8.4513%1,028
Net charge-offs to loans0.1860%1,233
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)15.1326%2,012
Efficiency ratio65.7256%3,720
Assets per employee ($millions)4.3355%3,316
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans1.6633%1,357
Loan loss allowance to noncurrent loans125.5037%3,242
Noncurrent assets plus other real estate owned to assets1.0183%2,103
Noncurrent loans to loans1.3253%1,700
Net loans and leases to total assets42.9858%5,286
Net loans and leases to deposits52.9882%5,202
Net loans and leases to core deposits57.5345%5,093
Total domestic deposits to total assets81.1234%4,235
Equity capital to assets9.6864%4,566
Core capital (leverage) ratio9.8668%3,725
Tier 1 risk-based capital ratio18.1641%1,884
Total risk-based capital ratio19.4156%1,853
Memoranda:
Average total assets$1,056,628,330682
Average earning assets$999,708,670660
Average equity$102,067,670777
Average total loans$462,274,3301,046
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2191%5,460
Cost of funding earning assets0.1758%5,414
Net interest margin3.0433%5,019
Noninterest income to average assets0.7065%2,016
Noninterest expense to average assets2.3399%4,550
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.8335%3,069
Return on assets (ROA)0.8351%3,192
Pretax return on assets1.2450%2,527
Return on Equity (ROE)8.6572%2,578
Retained earnings to average equity (ytd only)8.6572%1,209
Net charge-offs to loans0.3594%617
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)7.9002%2,105
Efficiency ratio65.3135%3,918
Assets per employee ($millions)4.2403%3,514
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.7008%1,371
Loan loss allowance to noncurrent loans111.0358%3,408
Noncurrent assets plus other real estate owned to assets1.1534%1,904
Noncurrent loans to loans1.5317%1,524
Net loans and leases to total assets43.7725%5,257
Net loans and leases to deposits53.3144%5,144
Net loans and leases to core deposits58.1486%5,040
Total domestic deposits to total assets82.1025%4,193
Equity capital to assets9.8426%4,280
Core capital (leverage) ratio9.7323%3,867
Tier 1 risk-based capital ratio18.2313%1,923
Total risk-based capital ratio19.4834%1,884
Memoranda:
Average total assets$1,045,178,500689
Average earning assets$987,744,500668
Average equity$100,818,000788
Average total loans$457,465,0001,057
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1976%5,519
Cost of funding earning assets0.1896%5,373
Net interest margin3.0079%5,121
Noninterest income to average assets0.7920%1,818
Noninterest expense to average assets2.5205%4,162
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.7431%3,605
Return on assets (ROA)0.7431%3,703
Pretax return on assets1.0988%3,070
Return on Equity (ROE)7.7009%3,134
Retained earnings to average equity (ytd only)4.0762%3,102
Net charge-offs to loans0.1647%1,723
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)15.2027%2,218
Efficiency ratio69.6405%3,282
Assets per employee ($millions)4.2918%3,402
Cash dividends to net income (ytd only)*47.0689%2,470
Condition Ratios (%)
Loss allowance to loans1.8303%1,081
Loan loss allowance to noncurrent loans109.4816%3,475
Noncurrent assets plus other real estate owned to assets1.1690%1,860
Noncurrent loans to loans1.6718%1,359
Net loans and leases to total assets42.2301%5,397
Net loans and leases to deposits51.8488%5,293
Net loans and leases to core deposits58.4543%5,082
Total domestic deposits to total assets81.4485%4,352
Equity capital to assets9.4518%4,607
Core capital (leverage) ratio9.3319%4,426
Tier 1 risk-based capital ratio17.9771%1,972
Total risk-based capital ratio19.2302%1,928
Memoranda:
Average total assets$1,023,851,600671
Average earning assets$962,354,200659
Average equity$98,793,400781
Average total loans$449,384,6001,026
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1960%5,589
Cost of funding earning assets0.1916%5,449
Net interest margin3.0043%5,182
Noninterest income to average assets0.7662%1,950
Noninterest expense to average assets2.5023%4,185
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.7237%3,799
Return on assets (ROA)0.7237%3,906
Pretax return on assets1.0858%3,285
Return on Equity (ROE)7.4609%3,366
Retained earnings to average equity (ytd only)7.4609%1,472
Net charge-offs to loans0.1248%1,880
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)19.7189%1,921
Efficiency ratio69.7384%3,248
Assets per employee ($millions)4.2850%3,344
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans1.8794%1,117
Loan loss allowance to noncurrent loans116.9773%3,334
Noncurrent assets plus other real estate owned to assets1.2259%1,923
Noncurrent loans to loans1.6066%1,538
Net loans and leases to total assets42.2463%5,473
Net loans and leases to deposits52.2322%5,357
Net loans and leases to core deposits58.9294%5,135
Total domestic deposits to total assets80.8817%4,503
Equity capital to assets9.5666%4,672
Core capital (leverage) ratio9.5481%4,241
Tier 1 risk-based capital ratio18.3095%1,953
Total risk-based capital ratio19.5632%1,910
Memoranda:
Average total assets$1,016,943,750683
Average earning assets$955,223,250671
Average equity$98,645,750786
Average total loans$448,650,5001,033
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1987%5,626
Cost of funding earning assets0.1956%5,477
Net interest margin3.0031%5,209
Noninterest income to average assets0.7360%2,057
Noninterest expense to average assets2.5071%4,220
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.7006%3,890
Return on assets (ROA)0.7006%4,009
Pretax return on assets1.0428%3,403
Return on Equity (ROE)7.1876%3,496
Retained earnings to average equity (ytd only)7.1876%1,622
Net charge-offs to loans0.1221%1,790
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)19.2022%1,760
Efficiency ratio70.6243%3,240
Assets per employee ($millions)4.1664%3,538
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans1.9279%1,113
Loan loss allowance to noncurrent loans110.4419%3,477
Noncurrent assets plus other real estate owned to assets1.3552%1,848
Noncurrent loans to loans1.7456%1,470
Net loans and leases to total assets43.2389%5,425
Net loans and leases to deposits52.8054%5,332
Net loans and leases to core deposits59.4537%5,106
Total domestic deposits to total assets81.8835%4,330
Equity capital to assets9.6465%4,473
Core capital (leverage) ratio9.7575%3,928
Tier 1 risk-based capital ratio17.9528%2,073
Total risk-based capital ratio19.2070%2,028
Memoranda:
Average total assets$1,001,696,000695
Average earning assets$938,626,670682
Average equity$97,640,000797
Average total loans$445,685,6701,038
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2125%5,625
Cost of funding earning assets0.1990%5,520
Net interest margin3.0134%5,182
Noninterest income to average assets0.6927%2,194
Noninterest expense to average assets2.5008%4,257
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.6810%3,888
Return on assets (ROA)0.6810%4,015
Pretax return on assets1.0113%3,451
Return on Equity (ROE)6.9487%3,538
Retained earnings to average equity (ytd only)6.9487%2,035
Net charge-offs to loans0.0888%1,829
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)25.4898%1,264
Efficiency ratio71.2046%3,295
Assets per employee ($millions)4.0554%3,855
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans2.0165%1,044
Loan loss allowance to noncurrent loans99.9216%3,689
Noncurrent assets plus other real estate owned to assets1.6584%1,525
Noncurrent loans to loans2.0180%1,291
Net loans and leases to total assets43.6294%5,377
Net loans and leases to deposits53.1808%5,257
Net loans and leases to core deposits60.6511%4,945
Total domestic deposits to total assets82.0398%4,499
Equity capital to assets9.8716%4,296
Core capital (leverage) ratio9.8165%3,864
Tier 1 risk-based capital ratio18.0615%2,119
Total risk-based capital ratio19.3165%2,070
Memoranda:
Average total assets$987,996,000704
Average earning assets$924,394,500690
Average equity$96,824,000801
Average total loans$441,670,0001,047
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2705%5,746
Cost of funding earning assets0.2218%5,581
Net interest margin3.0487%5,318
Noninterest income to average assets0.5484%3,184
Noninterest expense to average assets2.3812%4,894
Loan and lease loss provision to assets0.1278%2,052
Net operating income to assets0.6142%4,304
Return on assets (ROA)0.6380%4,302
Pretax return on assets0.9320%3,773
Return on Equity (ROE)6.5461%3,874
Retained earnings to average equity (ytd only)3.3222%3,863
Net charge-offs to loans0.5201%785
Credit loss provision to net charge-offs54.6978%3,384
Earnings coverage of net charge-offs (x)4.3855%3,668
Efficiency ratio69.9101%3,545
Assets per employee ($millions)4.0263%3,896
Cash dividends to net income (ytd only)*49.2487%2,323
Condition Ratios (%)
Loss allowance to loans2.0455%1,031
Loan loss allowance to noncurrent loans94.6181%3,846
Noncurrent assets plus other real estate owned to assets1.7694%1,487
Noncurrent loans to loans2.1618%1,246
Net loans and leases to total assets43.9639%5,468
Net loans and leases to deposits53.7664%5,344
Net loans and leases to core deposits61.4329%5,046
Total domestic deposits to total assets81.7684%4,498
Equity capital to assets9.7276%4,431
Core capital (leverage) ratio9.4855%4,264
Tier 1 risk-based capital ratio18.0979%2,105
Total risk-based capital ratio19.3537%2,067
Memoranda:
Average total assets$970,050,400694
Average earning assets$909,266,600675
Average equity$94,545,400779
Average total loans$435,918,6001,011
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2601%5,826
Cost of funding earning assets0.2233%5,639
Net interest margin3.0367%5,414
Noninterest income to average assets0.5427%3,246
Noninterest expense to average assets2.3652%4,926
Loan and lease loss provision to assets0.1710%1,440
Net operating income to assets0.5823%4,524
Return on assets (ROA)0.5823%4,610
Pretax return on assets0.8548%4,163
Return on Equity (ROE)5.9715%4,251
Retained earnings to average equity (ytd only)5.9715%2,431
Net charge-offs to loans0.6353%565
Credit loss provision to net charge-offs59.8745%2,937
Earnings coverage of net charge-offs (x)3.5920%3,631
Efficiency ratio69.7503%3,554
Assets per employee ($millions)4.1020%3,665
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans2.1183%1,061
Loan loss allowance to noncurrent loans94.4063%3,809
Noncurrent assets plus other real estate owned to assets1.8042%1,644
Noncurrent loans to loans2.2438%1,348
Net loans and leases to total assets42.1966%5,653
Net loans and leases to deposits52.0711%5,525
Net loans and leases to core deposits59.3624%5,236
Total domestic deposits to total assets81.0366%4,814
Equity capital to assets9.5809%4,693
Core capital (leverage) ratio9.6943%4,084
Tier 1 risk-based capital ratio18.4301%2,076
Total risk-based capital ratio19.6865%2,040
Memoranda:
Average total assets$966,958,250694
Average earning assets$906,915,000673
Average equity$94,290,250780
Average total loans$434,666,0001,015
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2871%5,813
Cost of funding earning assets0.2271%5,685
Net interest margin3.0600%5,371
Noninterest income to average assets0.5264%3,294
Noninterest expense to average assets2.3775%4,946
Loan and lease loss provision to assets0.2145%1,097
Net operating income to assets0.5488%4,609
Return on assets (ROA)0.5488%4,709
Pretax return on assets0.7997%4,267
Return on Equity (ROE)5.5940%4,392
Retained earnings to average equity (ytd only)5.5940%2,584
Net charge-offs to loans0.6968%548
Credit loss provision to net charge-offs67.5033%2,512
Earnings coverage of net charge-offs (x)3.1915%3,370
Efficiency ratio70.0990%3,642
Assets per employee ($millions)3.9548%3,937
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans2.1870%1,050
Loan loss allowance to noncurrent loans85.5174%4,010
Noncurrent assets plus other real estate owned to assets2.0989%1,495
Noncurrent loans to loans2.5573%1,211
Net loans and leases to total assets44.4644%5,503
Net loans and leases to deposits53.3577%5,398
Net loans and leases to core deposits60.5498%5,101
Total domestic deposits to total assets83.3327%4,178
Equity capital to assets9.9021%4,245
Core capital (leverage) ratio9.9044%3,736
Tier 1 risk-based capital ratio18.3478%2,114
Total risk-based capital ratio19.6053%2,075
Memoranda:
Average total assets$952,914,330705
Average earning assets$892,276,000683
Average equity$93,493,670781
Average total loans$434,549,0001,015
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2695%5,899
Cost of funding earning assets0.2308%5,745
Net interest margin3.0387%5,417
Noninterest income to average assets0.5274%3,214
Noninterest expense to average assets2.3561%5,050
Loan and lease loss provision to assets0.1682%1,437
Net operating income to assets0.5851%4,261
Return on assets (ROA)0.5851%4,335
Pretax return on assets0.8553%3,880
Return on Equity (ROE)5.9918%4,028
Retained earnings to average equity (ytd only)5.9918%2,548
Net charge-offs to loans0.6987%521
Credit loss provision to net charge-offs52.7081%2,178
Earnings coverage of net charge-offs (x)3.2074%2,722
Efficiency ratio69.7144%3,878
Assets per employee ($millions)4.0255%3,900
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans2.2494%1,099
Loan loss allowance to noncurrent loans69.0324%4,523
Noncurrent assets plus other real estate owned to assets2.3050%1,421
Noncurrent loans to loans3.2585%942
Net loans and leases to total assets43.7579%5,530
Net loans and leases to deposits53.0035%5,383
Net loans and leases to core deposits60.7208%4,976
Total domestic deposits to total assets82.5566%4,769
Equity capital to assets9.7130%4,209
Core capital (leverage) ratio9.8579%3,779
Tier 1 risk-based capital ratio18.3105%2,175
Total risk-based capital ratio19.5684%2,137
Memoranda:
Average total assets$948,868,000715
Average earning assets$890,653,000690
Average equity$92,660,500787
Average total loans$433,393,5001,019
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3907%5,857
Cost of funding earning assets0.2909%5,667
Net interest margin3.0998%5,315
Noninterest income to average assets0.5946%3,125
Noninterest expense to average assets2.4980%4,767
Loan and lease loss provision to assets0.2790%1,239
Net operating income to assets0.5122%4,677
Return on assets (ROA)0.5122%4,810
Pretax return on assets0.7251%4,439
Return on Equity (ROE)5.3067%4,493
Retained earnings to average equity (ytd only)3.0307%4,076
Net charge-offs to loans0.8885%688
Credit loss provision to net charge-offs66.7087%3,388
Earnings coverage of net charge-offs (x)2.4008%4,206
Efficiency ratio71.3278%3,603
Assets per employee ($millions)3.8503%4,158
Cash dividends to net income (ytd only)*42.8895%2,658
Condition Ratios (%)
Loss allowance to loans2.3036%1,037
Loan loss allowance to noncurrent loans58.9831%4,903
Noncurrent assets plus other real estate owned to assets2.4721%1,395
Noncurrent loans to loans3.9055%752
Net loans and leases to total assets45.5367%5,531
Net loans and leases to deposits54.8881%5,392
Net loans and leases to core deposits63.1798%4,953
Total domestic deposits to total assets82.9629%4,556
Equity capital to assets9.8192%4,008
Core capital (leverage) ratio9.6222%4,087
Tier 1 risk-based capital ratio18.0585%2,231
Total risk-based capital ratio19.3174%2,193
Memoranda:
Average total assets$947,290,400699
Average earning assets$888,520,000672
Average equity$91,432,400770
Average total loans$445,939,400958
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3938%5,888
Cost of funding earning assets0.3034%5,701
Net interest margin3.0904%5,344
Noninterest income to average assets0.5916%3,204
Noninterest expense to average assets2.4988%4,728
Loan and lease loss provision to assets0.3174%1,060
Net operating income to assets0.4647%4,954
Return on assets (ROA)0.4647%5,102
Pretax return on assets0.6723%4,783
Return on Equity (ROE)4.8355%4,809
Retained earnings to average equity (ytd only)4.8355%3,208
Net charge-offs to loans0.9848%584
Credit loss provision to net charge-offs68.2971%3,099
Earnings coverage of net charge-offs (x)2.1295%4,129
Efficiency ratio71.6303%3,475
Assets per employee ($millions)3.9958%3,835
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans2.3607%1,094
Loan loss allowance to noncurrent loans62.1648%4,729
Noncurrent assets plus other real estate owned to assets2.4980%1,540
Noncurrent loans to loans3.7975%954
Net loans and leases to total assets44.4877%5,686
Net loans and leases to deposits53.7647%5,560
Net loans and leases to core deposits61.9119%5,127
Total domestic deposits to total assets82.7452%4,663
Equity capital to assets9.6433%4,364
Core capital (leverage) ratio9.5677%4,301
Tier 1 risk-based capital ratio18.0327%2,312
Total risk-based capital ratio19.2920%2,272
Memoranda:
Average total assets$950,204,500699
Average earning assets$890,702,750672
Average equity$91,322,500777
Average total loans$448,398,500958
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4006%5,908
Cost of funding earning assets0.3210%5,658
Net interest margin3.0796%5,333
Noninterest income to average assets0.5278%3,648
Noninterest expense to average assets2.5032%4,711
Loan and lease loss provision to assets0.3376%1,008
Net operating income to assets0.4041%5,200
Return on assets (ROA)0.4041%5,368
Pretax return on assets0.5734%5,119
Return on Equity (ROE)4.2095%5,132
Retained earnings to average equity (ytd only)4.2095%3,615
Net charge-offs to loans1.0349%584
Credit loss provision to net charge-offs68.3333%2,862
Earnings coverage of net charge-offs (x)1.8440%3,913
Efficiency ratio73.3164%3,257
Assets per employee ($millions)3.9407%3,931
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans2.3844%1,110
Loan loss allowance to noncurrent loans58.5441%4,855
Noncurrent assets plus other real estate owned to assets2.5934%1,621
Noncurrent loans to loans4.0728%945
Net loans and leases to total assets45.6085%5,579
Net loans and leases to deposits55.5152%5,386
Net loans and leases to core deposits63.9560%4,899
Total domestic deposits to total assets82.1550%5,003
Equity capital to assets9.5209%4,557
Core capital (leverage) ratio9.6055%4,070
Tier 1 risk-based capital ratio17.5144%2,510
Total risk-based capital ratio18.7741%2,475
Memoranda:
Average total assets$947,274,330699
Average earning assets$887,842,000674
Average equity$90,937,000779
Average total loans$452,214,670941
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4114%5,918
Cost of funding earning assets0.3442%5,602
Net interest margin3.0673%5,377
Noninterest income to average assets0.4589%4,061
Noninterest expense to average assets2.4849%4,808
Loan and lease loss provision to assets0.5995%423
Net operating income to assets0.2013%5,887
Return on assets (ROA)0.2013%5,996
Pretax return on assets0.2479%5,966
Return on Equity (ROE)2.0877%5,912
Retained earnings to average equity (ytd only)2.0877%4,963
Net charge-offs to loans1.5841%334
Credit loss provision to net charge-offs78.4368%2,176
Earnings coverage of net charge-offs (x)1.1086%3,469
Efficiency ratio74.5709%3,161
Assets per employee ($millions)3.8341%4,288
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans2.4367%1,198
Loan loss allowance to noncurrent loans52.6402%5,047
Noncurrent assets plus other real estate owned to assets3.0306%1,478
Noncurrent loans to loans4.6290%880
Net loans and leases to total assets46.5943%5,373
Net loans and leases to deposits56.8126%5,161
Net loans and leases to core deposits65.5663%4,582
Total domestic deposits to total assets82.0139%5,183
Equity capital to assets9.6643%4,619
Core capital (leverage) ratio9.5354%4,021
Tier 1 risk-based capital ratio17.2184%2,671
Total risk-based capital ratio18.4790%2,635
Memoranda:
Average total assets$944,091,500712
Average earning assets$884,439,000684
Average equity$91,008,000784
Average total loans$455,539,500929
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7457%5,956
Cost of funding earning assets0.4462%5,610
Net interest margin3.2995%5,246
Noninterest income to average assets0.5406%3,643
Noninterest expense to average assets2.5580%4,902
Loan and lease loss provision to assets0.5066%1,162
Net operating income to assets0.3779%5,190
Return on assets (ROA)0.4463%5,147
Pretax return on assets0.6346%4,868
Return on Equity (ROE)4.6404%4,862
Retained earnings to average equity (ytd only)2.2752%4,638
Net charge-offs to loans1.2258%820
Credit loss provision to net charge-offs82.4665%3,746
Earnings coverage of net charge-offs (x)1.6986%4,586
Efficiency ratio71.0280%3,620
Assets per employee ($millions)3.9050%4,143
Cash dividends to net income (ytd only)*50.9696%2,268
Condition Ratios (%)
Loss allowance to loans2.4672%1,161
Loan loss allowance to noncurrent loans53.5000%4,952
Noncurrent assets plus other real estate owned to assets3.0834%1,524
Noncurrent loans to loans4.6117%914
Net loans and leases to total assets47.5416%5,458
Net loans and leases to deposits58.7403%5,159
Net loans and leases to core deposits67.5142%4,590
Total domestic deposits to total assets80.9353%5,426
Equity capital to assets9.6152%4,720
Core capital (leverage) ratio9.4333%4,208
Tier 1 risk-based capital ratio16.9412%2,684
Total risk-based capital ratio18.2023%2,639
Memoranda:
Average total assets$935,895,000704
Average earning assets$868,204,000686
Average equity$90,014,200775
Average total loans$468,995,600875
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7689%6,091
Cost of funding earning assets0.4622%5,706
Net interest margin3.3067%5,367
Noninterest income to average assets0.5298%3,749
Noninterest expense to average assets2.5724%4,837
Loan and lease loss provision to assets0.5845%968
Net operating income to assets0.3190%5,549
Return on assets (ROA)0.3655%5,588
Pretax return on assets0.4984%5,470
Return on Equity (ROE)3.7994%5,370
Retained earnings to average equity (ytd only)3.2248%4,597
Net charge-offs to loans1.4168%630
Credit loss provision to net charge-offs81.7619%3,572
Earnings coverage of net charge-offs (x)1.4257%4,575
Efficiency ratio71.6223%3,393
Assets per employee ($millions)3.9659%3,941
Cash dividends to net income (ytd only)*15.1232%3,258
Condition Ratios (%)
Loss allowance to loans2.4770%1,234
Loan loss allowance to noncurrent loans49.2755%5,169
Noncurrent assets plus other real estate owned to assets3.3216%1,531
Noncurrent loans to loans5.0269%895
Net loans and leases to total assets47.2072%5,638
Net loans and leases to deposits58.3791%5,389
Net loans and leases to core deposits67.5458%4,771
Total domestic deposits to total assets80.8632%5,404
Equity capital to assets9.5637%5,120
Core capital (leverage) ratio9.4486%4,357
Tier 1 risk-based capital ratio16.9052%2,781
Total risk-based capital ratio18.1666%2,738
Memoranda:
Average total assets$933,618,000710
Average earning assets$864,494,500694
Average equity$89,801,750779
Average total loans$471,085,750877
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8236%6,083
Cost of funding earning assets0.4811%5,748
Net interest margin3.3425%5,296
Noninterest income to average assets0.4992%3,925
Noninterest expense to average assets2.5581%4,928
Loan and lease loss provision to assets0.7076%764
Net operating income to assets0.2443%5,780
Return on assets (ROA)0.3166%5,766
Pretax return on assets0.4200%5,660
Return on Equity (ROE)3.2845%5,567
Retained earnings to average equity (ytd only)2.4175%4,984
Net charge-offs to loans1.2994%819
Credit loss provision to net charge-offs106.4307%2,557
Earnings coverage of net charge-offs (x)1.5512%4,217
Efficiency ratio71.2687%3,555
Assets per employee ($millions)3.8422%4,214
Cash dividends to net income (ytd only)*26.3984%2,753
Condition Ratios (%)
Loss allowance to loans2.6863%1,053
Loan loss allowance to noncurrent loans50.4151%5,099
Noncurrent assets plus other real estate owned to assets3.5553%1,495
Noncurrent loans to loans5.3284%890
Net loans and leases to total assets48.7748%5,525
Net loans and leases to deposits59.5614%5,285
Net loans and leases to core deposits68.8112%4,695
Total domestic deposits to total assets81.8899%5,174
Equity capital to assets9.6215%4,885
Core capital (leverage) ratio9.5259%4,109
Tier 1 risk-based capital ratio16.7520%2,784
Total risk-based capital ratio18.0161%2,735
Memoranda:
Average total assets$926,232,670717
Average earning assets$856,310,000702
Average equity$89,266,670778
Average total loans$473,896,330873
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9145%5,984
Cost of funding earning assets0.5010%5,814
Net interest margin3.4135%5,064
Noninterest income to average assets0.4731%4,118
Noninterest expense to average assets2.5782%4,891
Loan and lease loss provision to assets0.9032%485
Net operating income to assets0.1130%6,211
Return on assets (ROA)0.2658%5,927
Pretax return on assets0.3373%5,886
Return on Equity (ROE)2.7556%5,804
Retained earnings to average equity (ytd only)1.0159%5,666
Net charge-offs to loans1.5468%650
Credit loss provision to net charge-offs112.9610%2,088
Earnings coverage of net charge-offs (x)1.3097%3,679
Efficiency ratio71.1159%3,600
Assets per employee ($millions)3.8461%4,331
Cash dividends to net income (ytd only)*63.1321%1,131
Condition Ratios (%)
Loss allowance to loans2.6851%1,131
Loan loss allowance to noncurrent loans52.5478%4,919
Noncurrent assets plus other real estate owned to assets3.5737%1,602
Noncurrent loans to loans5.1098%1,086
Net loans and leases to total assets49.1097%5,417
Net loans and leases to deposits61.1237%5,026
Net loans and leases to core deposits70.9650%4,296
Total domestic deposits to total assets80.3448%5,765
Equity capital to assets9.5443%4,732
Core capital (leverage) ratio9.4434%4,130
Tier 1 risk-based capital ratio16.7849%2,766
Total risk-based capital ratio18.0493%2,717
Memoranda:
Average total assets$922,520,000721
Average earning assets$851,914,000704
Average equity$88,984,000782
Average total loans$476,864,000863
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1765%6,125
Cost of funding earning assets0.6461%5,850
Net interest margin3.5304%5,021
Noninterest income to average assets0.5141%3,754
Noninterest expense to average assets2.5535%5,272
Loan and lease loss provision to assets1.0684%858
Net operating income to assets0.1414%5,764
Return on assets (ROA)0.1414%5,896
Pretax return on assets0.1548%5,877
Return on Equity (ROE)1.4920%5,841
Retained earnings to average equity (ytd only)1.0509%5,364
Net charge-offs to loans1.7934%823
Credit loss provision to net charge-offs108.1601%3,120
Earnings coverage of net charge-offs (x)1.2384%4,848
Efficiency ratio67.6117%4,439
Assets per employee ($millions)3.7166%4,519
Cash dividends to net income (ytd only)*29.5646%3,135
Condition Ratios (%)
Loss allowance to loans2.5563%1,240
Loan loss allowance to noncurrent loans49.3853%5,062
Noncurrent assets plus other real estate owned to assets3.7316%1,563
Noncurrent loans to loans5.1762%1,065
Net loans and leases to total assets51.5870%5,377
Net loans and leases to deposits64.3163%4,967
Net loans and leases to core deposits74.7465%4,141
Total domestic deposits to total assets80.2082%5,683
Equity capital to assets9.7490%4,516
Core capital (leverage) ratio9.3920%4,194
Tier 1 risk-based capital ratio16.3749%2,875
Total risk-based capital ratio17.6382%2,840
Memoranda:
Average total assets$925,510,800702
Average earning assets$855,318,200685
Average equity$87,736,000765
Average total loans$509,770,600817
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2101%6,184
Cost of funding earning assets0.6777%5,891
Net interest margin3.5324%5,050
Noninterest income to average assets0.5262%3,682
Noninterest expense to average assets2.5936%5,101
Loan and lease loss provision to assets1.0733%774
Net operating income to assets0.1238%5,905
Return on assets (ROA)0.1238%6,021
Pretax return on assets0.1248%6,052
Return on Equity (ROE)1.3152%5,995
Retained earnings to average equity (ytd only)0.7247%5,724
Net charge-offs to loans1.8013%740
Credit loss provision to net charge-offs107.1551%3,085
Earnings coverage of net charge-offs (x)1.1962%4,730
Efficiency ratio68.4015%4,237
Assets per employee ($millions)3.8613%4,165
Cash dividends to net income (ytd only)*44.8960%1,816
Condition Ratios (%)
Loss allowance to loans2.4546%1,459
Loan loss allowance to noncurrent loans51.3248%4,929
Noncurrent assets plus other real estate owned to assets3.3986%1,863
Noncurrent loans to loans4.7825%1,346
Net loans and leases to total assets50.9385%5,590
Net loans and leases to deposits63.7292%5,207
Net loans and leases to core deposits74.1619%4,427
Total domestic deposits to total assets79.9295%5,758
Equity capital to assets9.3921%5,248
Core capital (leverage) ratio9.2652%4,518
Tier 1 risk-based capital ratio16.1068%3,061
Total risk-based capital ratio17.3692%3,018
Memoranda:
Average total assets$928,318,750710
Average earning assets$858,168,500694
Average equity$87,386,750776
Average total loans$516,207,750820
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2728%6,098
Cost of funding earning assets0.7199%5,830
Net interest margin3.5529%4,909
Noninterest income to average assets0.5095%3,782
Noninterest expense to average assets2.5611%5,321
Loan and lease loss provision to assets1.1225%719
Net operating income to assets0.1099%5,991
Return on assets (ROA)0.1099%6,073
Pretax return on assets0.1121%6,086
Return on Equity (ROE)1.1669%6,044
Retained earnings to average equity (ytd only)0.2762%5,728
Net charge-offs to loans1.7803%793
Credit loss provision to net charge-offs111.0706%2,760
Earnings coverage of net charge-offs (x)1.2216%4,372
Efficiency ratio67.4740%4,610
Assets per employee ($millions)3.6999%4,446
Cash dividends to net income (ytd only)*76.3314%881
Condition Ratios (%)
Loss allowance to loans2.3676%1,641
Loan loss allowance to noncurrent loans45.9423%5,261
Noncurrent assets plus other real estate owned to assets3.6742%1,775
Noncurrent loans to loans5.1534%1,253
Net loans and leases to total assets54.7933%5,180
Net loans and leases to deposits67.8720%4,727
Net loans and leases to core deposits79.6623%3,835
Total domestic deposits to total assets80.7302%5,614
Equity capital to assets9.6128%4,646
Core capital (leverage) ratio9.3261%4,213
Tier 1 risk-based capital ratio15.8823%3,039
Total risk-based capital ratio17.1444%3,009
Memoranda:
Average total assets$922,418,330723
Average earning assets$853,163,330707
Average equity$86,898,670774
Average total loans$523,605,670820
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2482%6,153
Cost of funding earning assets0.7681%5,763
Net interest margin3.4801%5,098
Noninterest income to average assets0.5370%3,602
Noninterest expense to average assets2.6119%5,175
Loan and lease loss provision to assets0.9116%876
Net operating income to assets0.1917%5,808
Return on assets (ROA)0.1917%5,869
Pretax return on assets0.2365%5,849
Return on Equity (ROE)2.0550%5,767
Retained earnings to average equity (ytd only)0.2638%5,702
Net charge-offs to loans1.4640%928
Credit loss provision to net charge-offs109.0909%2,445
Earnings coverage of net charge-offs (x)1.3740%3,661
Efficiency ratio69.4639%4,385
Assets per employee ($millions)3.8440%4,202
Cash dividends to net income (ytd only)*87.1622%734
Condition Ratios (%)
Loss allowance to loans2.2536%1,852
Loan loss allowance to noncurrent loans42.4202%5,469
Noncurrent assets plus other real estate owned to assets3.6388%1,868
Noncurrent loans to loans5.3125%1,241
Net loans and leases to total assets54.3587%5,251
Net loans and leases to deposits69.4011%4,448
Net loans and leases to core deposits81.9724%3,457
Total domestic deposits to total assets78.3255%6,330
Equity capital to assets9.2002%4,874
Core capital (leverage) ratio9.3056%4,116
Tier 1 risk-based capital ratio15.4910%3,166
Total risk-based capital ratio16.7517%3,111
Memoranda:
Average total assets$926,689,000726
Average earning assets$858,254,500707
Average equity$86,423,500771
Average total loans$528,965,500818
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6499%5,955
Cost of funding earning assets1.1195%5,026
Net interest margin3.5304%5,108
Noninterest income to average assets0.6672%3,039
Noninterest expense to average assets2.4770%5,870
Loan and lease loss provision to assets1.4428%1,030
Net operating income to assets0.0144%5,792
Return on assets (ROA)0.1246%5,669
Pretax return on assets0.1293%5,644
Return on Equity (ROE)1.3416%5,607
Retained earnings to average equity (ytd only)1.3416%4,873
Net charge-offs to loans1.9529%1,044
Credit loss provision to net charge-offs122.7731%3,398
Earnings coverage of net charge-offs (x)1.2401%4,860
Efficiency ratio62.9585%5,522
Assets per employee ($millions)3.6610%4,545
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans2.1766%1,914
Loan loss allowance to noncurrent loans43.4719%5,420
Noncurrent assets plus other real estate owned to assets3.5347%1,955
Noncurrent loans to loans5.0069%1,340
Net loans and leases to total assets57.3237%5,135
Net loans and leases to deposits72.7195%4,391
Net loans and leases to core deposits85.3113%3,427
Total domestic deposits to total assets78.8284%6,125
Equity capital to assets9.4561%4,460
Core capital (leverage) ratio9.1915%4,183
Tier 1 risk-based capital ratio15.3341%3,080
Total risk-based capital ratio16.5942%3,032
Memoranda:
Average total assets$928,534,600727
Average earning assets$859,316,400702
Average equity$86,242,800773
Average total loans$558,745,800805
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7046%6,000
Cost of funding earning assets1.1741%5,014
Net interest margin3.5305%5,181
Noninterest income to average assets0.6435%3,165
Noninterest expense to average assets2.4882%5,753
Loan and lease loss provision to assets1.7078%744
Net operating income to assets-0.1433%6,234
Return on assets (ROA)-0.0457%6,203
Pretax return on assets-0.1335%6,259
Return on Equity (ROE)-0.4947%6,212
Retained earnings to average equity (ytd only)-0.4947%5,915
Net charge-offs to loans2.0438%918
Credit loss provision to net charge-offs137.9836%2,891
Earnings coverage of net charge-offs (x)1.1489%4,913
Efficiency ratio63.6337%5,313
Assets per employee ($millions)3.8167%4,225
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans2.2683%1,670
Loan loss allowance to noncurrent loans48.5396%5,059
Noncurrent assets plus other real estate owned to assets3.2784%2,180
Noncurrent loans to loans4.6730%1,521
Net loans and leases to total assets56.8148%5,439
Net loans and leases to deposits72.2057%4,811
Net loans and leases to core deposits85.3977%3,748
Total domestic deposits to total assets78.6847%6,094
Equity capital to assets9.1310%5,409
Core capital (leverage) ratio8.8867%4,865
Tier 1 risk-based capital ratio14.7872%3,348
Total risk-based capital ratio16.0484%3,324
Memoranda:
Average total assets$932,769,750720
Average earning assets$863,045,750696
Average equity$86,253,250772
Average total loans$564,885,750801
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7689%5,900
Cost of funding earning assets1.2222%5,004
Net interest margin3.5467%5,062
Noninterest income to average assets0.6451%3,033
Noninterest expense to average assets2.4509%5,909
Loan and lease loss provision to assets1.6287%793
Net operating income to assets-0.0555%6,159
Return on assets (ROA)-0.0340%6,215
Pretax return on assets-0.1194%6,265
Return on Equity (ROE)-0.3661%6,226
Retained earnings to average equity (ytd only)-0.3661%5,809
Net charge-offs to loans1.8247%1,017
Credit loss provision to net charge-offs145.4179%2,730
Earnings coverage of net charge-offs (x)1.3176%4,510
Efficiency ratio62.4178%5,623
Assets per employee ($millions)3.7237%4,404
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans2.0401%2,094
Loan loss allowance to noncurrent loans52.8113%4,776
Noncurrent assets plus other real estate owned to assets2.6762%2,698
Noncurrent loans to loans3.8629%1,982
Net loans and leases to total assets59.1133%5,226
Net loans and leases to deposits75.4475%4,430
Net loans and leases to core deposits90.1361%3,235
Total domestic deposits to total assets78.3502%6,190
Equity capital to assets9.2544%5,066
Core capital (leverage) ratio9.0541%4,517
Tier 1 risk-based capital ratio14.6271%3,367
Total risk-based capital ratio15.8861%3,338
Memoranda:
Average total assets$929,449,670714
Average earning assets$859,944,330701
Average equity$86,310,670758
Average total loans$570,500,670800
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8443%5,706
Cost of funding earning assets1.2696%5,005
Net interest margin3.5747%4,836
Noninterest income to average assets0.6094%3,216
Noninterest expense to average assets2.3818%6,155
Loan and lease loss provision to assets1.6240%712
Net operating income to assets0.0104%6,260
Return on assets (ROA)0.0104%6,369
Pretax return on assets-0.0876%6,453
Return on Equity (ROE)0.1113%6,373
Retained earnings to average equity (ytd only)0.1113%5,777
Net charge-offs to loans1.8092%960
Credit loss provision to net charge-offs145.0096%2,456
Earnings coverage of net charge-offs (x)1.3719%3,923
Efficiency ratio60.7886%6,035
Assets per employee ($millions)3.7433%4,452
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.8161%2,682
Loan loss allowance to noncurrent loans73.1361%3,710
Noncurrent assets plus other real estate owned to assets1.7685%3,834
Noncurrent loans to loans2.4832%3,187
Net loans and leases to total assets59.8009%5,150
Net loans and leases to deposits76.7401%4,275
Net loans and leases to core deposits93.4613%2,910
Total domestic deposits to total assets77.9265%6,332
Equity capital to assets9.2537%4,910
Core capital (leverage) ratio9.1349%4,318
Tier 1 risk-based capital ratio14.5388%3,355
Total risk-based capital ratio15.7950%3,319
Memoranda:
Average total assets$926,853,000736
Average earning assets$857,924,000715
Average equity$86,218,000767
Average total loans$573,749,000815
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2291%5,513
Cost of funding earning assets1.4423%5,754
Net interest margin3.7868%3,766
Noninterest income to average assets0.7257%2,814
Noninterest expense to average assets2.6557%5,573
Loan and lease loss provision to assets0.9716%2,323
Net operating income to assets0.4493%3,929
Return on assets (ROA)0.5736%3,505
Pretax return on assets0.8083%3,218
Return on Equity (ROE)6.0250%3,199
Retained earnings to average equity (ytd only)3.3158%2,850
Net charge-offs to loans1.1316%2,164
Credit loss provision to net charge-offs130.6257%3,895
Earnings coverage of net charge-offs (x)2.1575%4,104
Efficiency ratio62.3322%6,097
Assets per employee ($millions)3.6573%4,630
Cash dividends to net income (ytd only)*44.9651%2,703
Condition Ratios (%)
Loss allowance to loans1.5768%3,367
Loan loss allowance to noncurrent loans67.0333%4,051
Noncurrent assets plus other real estate owned to assets1.6558%3,888
Noncurrent loans to loans2.3522%3,225
Net loans and leases to total assets61.9181%5,004
Net loans and leases to deposits80.4247%3,904
Net loans and leases to core deposits118.9986%2,034
Total domestic deposits to total assets76.9890%6,479
Equity capital to assets9.3513%4,631
Core capital (leverage) ratio9.2324%4,075
Tier 1 risk-based capital ratio14.2978%3,323
Total risk-based capital ratio15.5513%3,269
Memoranda:
Average total assets$900,336,200748
Average earning assets$840,414,600726
Average equity$85,710,000746
Average total loans$591,842,600802
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2897%5,484
Cost of funding earning assets1.4845%5,887
Net interest margin3.8052%3,633
Noninterest income to average assets0.7338%2,803
Noninterest expense to average assets2.6192%5,648
Loan and lease loss provision to assets0.9753%1,970
Net operating income to assets0.4867%4,043
Return on assets (ROA)0.6257%3,570
Pretax return on assets0.9026%3,219
Return on Equity (ROE)6.5425%3,284
Retained earnings to average equity (ytd only)6.5425%1,690
Net charge-offs to loans1.0470%1,888
Credit loss provision to net charge-offs140.1627%3,515
Earnings coverage of net charge-offs (x)2.4093%4,025
Efficiency ratio60.9724%6,284
Assets per employee ($millions)3.6254%4,619
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.5277%3,292
Loan loss allowance to noncurrent loans74.5448%3,628
Noncurrent assets plus other real estate owned to assets1.4855%4,150
Noncurrent loans to loans2.0494%3,567
Net loans and leases to total assets63.2632%5,025
Net loans and leases to deposits83.9170%3,661
Net loans and leases to core deposits119.2934%2,310
Total domestic deposits to total assets75.3879%6,698
Equity capital to assets9.6073%4,611
Core capital (leverage) ratio9.5368%3,860
Tier 1 risk-based capital ratio14.4973%3,281
Total risk-based capital ratio15.7503%3,220
Memoranda:
Average total assets$895,013,500765
Average earning assets$837,781,500742
Average equity$85,591,500754
Average total loans$594,854,250812
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3944%5,179
Cost of funding earning assets1.5476%5,934
Net interest margin3.8469%3,349
Noninterest income to average assets0.6805%3,115
Noninterest expense to average assets2.6766%5,467
Loan and lease loss provision to assets0.9734%1,733
Net operating income to assets0.4387%4,343
Return on assets (ROA)0.6517%3,569
Pretax return on assets0.9318%3,237
Return on Equity (ROE)6.8250%3,277
Retained earnings to average equity (ytd only)6.8250%1,655
Net charge-offs to loans1.0099%1,753
Credit loss provision to net charge-offs143.3875%3,239
Earnings coverage of net charge-offs (x)2.3583%3,885
Efficiency ratio62.5723%6,156
Assets per employee ($millions)3.4603%4,925
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.4084%3,679
Loan loss allowance to noncurrent loans125.6169%2,350
Noncurrent assets plus other real estate owned to assets0.9036%5,172
Noncurrent loans to loans1.1212%4,978
Net loans and leases to total assets65.6129%4,645
Net loans and leases to deposits86.2502%3,504
Net loans and leases to core deposits124.2577%2,001
Total domestic deposits to total assets76.0728%6,529
Equity capital to assets9.5311%4,568
Core capital (leverage) ratio9.4943%3,894
Tier 1 risk-based capital ratio14.0965%3,458
Total risk-based capital ratio15.3476%3,400
Memoranda:
Average total assets$888,814,330789
Average earning assets$831,118,330764
Average equity$84,864,330776
Average total loans$597,490,000831
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4440%5,209
Cost of funding earning assets1.6326%5,895
Net interest margin3.8114%3,401
Noninterest income to average assets0.6368%3,294
Noninterest expense to average assets2.5343%5,717
Loan and lease loss provision to assets0.5563%2,253
Net operating income to assets0.7586%3,302
Return on assets (ROA)0.9093%2,810
Pretax return on assets1.3250%2,195
Return on Equity (ROE)9.5144%2,524
Retained earnings to average equity (ytd only)9.5144%1,334
Net charge-offs to loans0.9077%1,452
Credit loss provision to net charge-offs90.7148%3,990
Earnings coverage of net charge-offs (x)2.7119%3,404
Efficiency ratio60.3790%6,339
Assets per employee ($millions)3.4564%4,921
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans1.1652%5,012
Loan loss allowance to noncurrent loans134.2004%2,372
Noncurrent assets plus other real estate owned to assets0.7663%5,250
Noncurrent loans to loans0.8682%5,278
Net loans and leases to total assets65.9961%4,584
Net loans and leases to deposits87.4945%3,380
Net loans and leases to core deposits123.0004%2,168
Total domestic deposits to total assets75.4289%6,616
Equity capital to assets9.5331%4,625
Core capital (leverage) ratio9.4684%4,022
Tier 1 risk-based capital ratio13.7227%3,728
Total risk-based capital ratio14.8558%3,716
Memoranda:
Average total assets$885,119,000799
Average earning assets$826,894,000768
Average equity$84,587,500783
Average total loans$598,022,000829
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2357%4,323
Cost of funding earning assets2.2627%5,328
Net interest margin3.9730%3,255
Noninterest income to average assets0.8011%2,507
Noninterest expense to average assets2.6718%5,377
Loan and lease loss provision to assets0.2939%4,033
Net operating income to assets1.0197%2,475
Return on assets (ROA)1.0197%2,363
Pretax return on assets1.5404%1,564
Return on Equity (ROE)10.5579%2,069
Retained earnings to average equity (ytd only)4.5131%2,320
Net charge-offs to loans0.3322%3,179
Credit loss provision to net charge-offs129.9641%4,092
Earnings coverage of net charge-offs (x)8.1119%2,939
Efficiency ratio59.2924%6,477
Assets per employee ($millions)3.3526%5,086
Cash dividends to net income (ytd only)*57.2534%2,788
Condition Ratios (%)
Loss allowance to loans1.1852%4,660
Loan loss allowance to noncurrent loans197.0817%1,965
Noncurrent assets plus other real estate owned to assets0.4842%5,760
Noncurrent loans to loans0.6014%5,571
Net loans and leases to total assets67.5617%4,542
Net loans and leases to deposits86.3291%4,068
Net loans and leases to core deposits124.6865%2,273
Total domestic deposits to total assets78.2607%5,628
Equity capital to assets9.5807%4,573
Core capital (leverage) ratio9.5989%3,880
Tier 1 risk-based capital ratio13.5522%3,789
Total risk-based capital ratio14.7194%3,737
Memoranda:
Average total assets$861,903,200788
Average earning assets$803,742,400765
Average equity$83,246,000802
Average total loans$586,650,000816