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The Farmers National Bank of Canfield, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6672%2,200
Cost of funding earning assets0.2382%3,063
Net interest margin3.4290%1,937
Noninterest income to average assets0.7730%1,527
Noninterest expense to average assets2.0824%3,432
Loan and lease loss provision to assets0.1436%830
Net operating income to assets1.4479%1,140
Return on assets (ROA)1.4683%1,147
Pretax return on assets1.7625%997
Return on Equity (ROE)13.9180%1,211
Retained earnings to average equity (ytd only)1.2266%4,199
Net charge-offs to loans0.0418%1,435
Credit loss provision to net charge-offs539.3271%769
Earnings coverage of net charge-offs (x)74.3724%1,042
Efficiency ratio51.6970%4,142
Assets per employee ($millions)7.4994%1,618
Cash dividends to net income (ytd only)*91.1873%313
Condition Ratios (%)
Loss allowance to loans1.2582%2,579
Loan loss allowance to noncurrent loans181.4511%2,741
Noncurrent assets plus other real estate owned to assets0.3926%1,652
Noncurrent loans to loans0.6934%1,451
Net loans and leases to total assets55.9118%2,624
Net loans and leases to deposits63.3669%2,747
Net loans and leases to core deposits65.7943%2,838
Total domestic deposits to total assets88.2351%1,917
Equity capital to assets10.9996%1,791
Core capital (leverage) ratio9.1884%3,183
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5953%2,413
Memoranda:
Average total assets$3,407,296,000342
Average earning assets$3,170,645,800336
Average equity$359,461,800350
Average total loans$2,063,460,200356
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7431%2,165
Cost of funding earning assets0.2673%2,931
Net interest margin3.4758%1,939
Noninterest income to average assets0.8143%1,478
Noninterest expense to average assets1.9224%3,887
Loan and lease loss provision to assets-0.0195%4,355
Net operating income to assets1.7766%698
Return on assets (ROA)1.8049%687
Pretax return on assets2.1923%552
Return on Equity (ROE)17.3450%715
Retained earnings to average equity (ytd only)-0.7633%4,645
Net charge-offs to loans0.0367%1,348
Credit loss provision to net charge-offs-165.5738%3,340
Earnings coverage of net charge-offs (x)94.2914%897
Efficiency ratio46.5552%4,471
Assets per employee ($millions)8.2314%1,165
Cash dividends to net income (ytd only)*104.4007%165
Condition Ratios (%)
Loss allowance to loans1.2199%2,896
Loan loss allowance to noncurrent loans156.9249%2,852
Noncurrent assets plus other real estate owned to assets0.4467%1,694
Noncurrent loans to loans0.7774%1,456
Net loans and leases to total assets56.7584%2,642
Net loans and leases to deposits64.3080%2,816
Net loans and leases to core deposits67.3754%2,827
Total domestic deposits to total assets88.2602%1,683
Equity capital to assets9.8528%3,049
Core capital (leverage) ratio8.2466%4,258
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.2945%2,616
Memoranda:
Average total assets$3,227,958,000355
Average earning assets$3,014,791,000350
Average equity$335,903,500367
Average total loans$1,995,437,000365
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7648%2,160
Cost of funding earning assets0.3015%2,766
Net interest margin3.4633%1,967
Noninterest income to average assets0.8626%1,371
Noninterest expense to average assets1.9564%3,821
Loan and lease loss provision to assets0.0297%2,382
Net operating income to assets1.7355%821
Return on assets (ROA)1.7552%831
Pretax return on assets2.1340%649
Return on Equity (ROE)16.5643%846
Retained earnings to average equity (ytd only)12.0755%898
Net charge-offs to loans0.0259%1,430
Credit loss provision to net charge-offs180.6084%1,088
Earnings coverage of net charge-offs (x)130.3194%645
Efficiency ratio46.9770%4,463
Assets per employee ($millions)7.9112%1,255
Cash dividends to net income (ytd only)*27.0994%2,201
Condition Ratios (%)
Loss allowance to loans1.2646%2,609
Loan loss allowance to noncurrent loans178.8078%2,618
Noncurrent assets plus other real estate owned to assets0.4286%1,906
Noncurrent loans to loans0.7072%1,671
Net loans and leases to total assets59.7119%2,460
Net loans and leases to deposits69.4450%2,471
Net loans and leases to core deposits72.8354%2,534
Total domestic deposits to total assets85.9844%2,745
Equity capital to assets10.7882%2,156
Core capital (leverage) ratio8.9682%3,499
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.4171%2,199
Memoranda:
Average total assets$3,203,681,667354
Average earning assets$2,991,094,000345
Average equity$339,465,000361
Average total loans$2,028,379,333361
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7357%2,269
Cost of funding earning assets0.3306%2,703
Net interest margin3.4051%2,094
Noninterest income to average assets0.8903%1,357
Noninterest expense to average assets1.9851%3,766
Loan and lease loss provision to assets0.0534%2,040
Net operating income to assets1.6672%994
Return on assets (ROA)1.7067%976
Pretax return on assets2.0771%833
Return on Equity (ROE)16.2568%970
Retained earnings to average equity (ytd only)11.7139%1,223
Net charge-offs to loans0.0163%1,417
Credit loss provision to net charge-offs505.9524%589
Earnings coverage of net charge-offs (x)197.3095%402
Efficiency ratio48.0077%4,340
Assets per employee ($millions)8.1767%1,116
Cash dividends to net income (ytd only)*27.9446%1,773
Condition Ratios (%)
Loss allowance to loans1.2217%2,805
Loan loss allowance to noncurrent loans214.2182%2,257
Noncurrent assets plus other real estate owned to assets0.3524%2,393
Noncurrent loans to loans0.5703%2,148
Net loans and leases to total assets60.8790%2,418
Net loans and leases to deposits70.9001%2,429
Net loans and leases to core deposits82.9734%1,755
Total domestic deposits to total assets85.8659%2,785
Equity capital to assets10.0298%2,679
Core capital (leverage) ratio8.9879%3,620
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.0518%2,273
Memoranda:
Average total assets$3,183,724,500354
Average earning assets$2,970,571,000347
Average equity$334,235,000360
Average total loans$2,061,759,500358
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3169%1,821
Cost of funding earning assets0.6074%2,262
Net interest margin3.7095%1,766
Noninterest income to average assets0.9541%1,136
Noninterest expense to average assets2.2989%3,402
Loan and lease loss provision to assets0.3254%1,118
Net operating income to assets1.4754%864
Return on assets (ROA)1.4622%975
Pretax return on assets1.7592%748
Return on Equity (ROE)13.3457%952
Retained earnings to average equity (ytd only)3.9964%2,825
Net charge-offs to loans0.0709%1,783
Credit loss provision to net charge-offs630.6306%1,071
Earnings coverage of net charge-offs (x)40.7069%1,378
Efficiency ratio51.4050%4,427
Assets per employee ($millions)7.5083%1,279
Cash dividends to net income (ytd only)*70.0545%955
Condition Ratios (%)
Loss allowance to loans1.0633%3,627
Loan loss allowance to noncurrent loans160.0578%2,711
Noncurrent assets plus other real estate owned to assets0.4527%2,219
Noncurrent loans to loans0.6643%2,024
Net loans and leases to total assets67.4237%1,899
Net loans and leases to deposits78.6133%2,013
Net loans and leases to core deposits92.2057%1,373
Total domestic deposits to total assets85.7663%2,468
Equity capital to assets11.0059%2,250
Core capital (leverage) ratio9.0957%3,555
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7596%2,326
Memoranda:
Average total assets$2,796,458,200363
Average earning assets$2,597,338,400360
Average equity$306,397,400359
Average total loans$2,036,611,800348
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3820%1,896
Cost of funding earning assets0.6735%2,179
Net interest margin3.7085%1,915
Noninterest income to average assets0.9128%1,188
Noninterest expense to average assets2.3282%3,348
Loan and lease loss provision to assets0.2977%1,354
Net operating income to assets1.4367%1,019
Return on assets (ROA)1.4489%1,090
Pretax return on assets1.7442%881
Return on Equity (ROE)13.2404%1,045
Retained earnings to average equity (ytd only)2.1611%3,870
Net charge-offs to loans0.0820%1,484
Credit loss provision to net charge-offs489.5666%1,303
Earnings coverage of net charge-offs (x)33.3347%1,503
Efficiency ratio52.5741%4,288
Assets per employee ($millions)7.1239%1,415
Cash dividends to net income (ytd only)*83.6781%517
Condition Ratios (%)
Loss allowance to loans0.8979%4,083
Loan loss allowance to noncurrent loans163.3392%2,547
Noncurrent assets plus other real estate owned to assets0.4011%2,575
Noncurrent loans to loans0.5497%2,421
Net loans and leases to total assets71.8617%1,687
Net loans and leases to deposits83.8809%1,924
Net loans and leases to core deposits99.0385%1,240
Total domestic deposits to total assets85.6711%2,189
Equity capital to assets11.0094%2,391
Core capital (leverage) ratio9.0125%3,743
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.4248%2,448
Memoranda:
Average total assets$2,731,602,500361
Average earning assets$2,535,880,000356
Average equity$298,915,250363
Average total loans$2,025,131,500349
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5375%1,811
Cost of funding earning assets0.7663%2,014
Net interest margin3.7712%1,914
Noninterest income to average assets0.8917%1,189
Noninterest expense to average assets2.4107%3,236
Loan and lease loss provision to assets0.2640%1,609
Net operating income to assets1.4398%1,036
Return on assets (ROA)1.4559%1,094
Pretax return on assets1.7314%928
Return on Equity (ROE)13.3344%1,023
Retained earnings to average equity (ytd only)-1.2012%4,502
Net charge-offs to loans0.1036%1,243
Credit loss provision to net charge-offs340.7984%1,537
Earnings coverage of net charge-offs (x)25.5141%1,550
Efficiency ratio54.0538%4,172
Assets per employee ($millions)6.9678%1,453
Cash dividends to net income (ytd only)*109.0085%399
Condition Ratios (%)
Loss allowance to loans0.7878%4,367
Loan loss allowance to noncurrent loans138.7321%2,720
Noncurrent assets plus other real estate owned to assets0.4273%2,596
Noncurrent loans to loans0.5678%2,454
Net loans and leases to total assets74.4024%1,358
Net loans and leases to deposits87.3090%1,627
Net loans and leases to core deposits100.6167%1,215
Total domestic deposits to total assets85.2174%2,298
Equity capital to assets11.1336%2,222
Core capital (leverage) ratio9.0755%3,828
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.0258%2,595
Memoranda:
Average total assets$2,651,912,333364
Average earning assets$2,457,779,000359
Average equity$289,536,333369
Average total loans$1,982,136,333351
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7056%1,691
Cost of funding earning assets0.9033%1,847
Net interest margin3.8023%1,967
Noninterest income to average assets0.8467%1,170
Noninterest expense to average assets2.5995%2,981
Loan and lease loss provision to assets0.1731%1,704
Net operating income to assets1.3206%1,185
Return on assets (ROA)1.3538%1,179
Pretax return on assets1.6305%991
Return on Equity (ROE)12.5394%975
Retained earnings to average equity (ytd only)-18.1249%4,936
Net charge-offs to loans0.1339%925
Credit loss provision to net charge-offs173.2283%1,496
Earnings coverage of net charge-offs (x)17.6535%1,485
Efficiency ratio58.6341%3,921
Assets per employee ($millions)6.2128%1,509
Cash dividends to net income (ytd only)*244.5439%215
Condition Ratios (%)
Loss allowance to loans0.7553%4,506
Loan loss allowance to noncurrent loans126.2305%2,862
Noncurrent assets plus other real estate owned to assets0.4514%2,662
Noncurrent loans to loans0.5984%2,498
Net loans and leases to total assets74.0555%1,592
Net loans and leases to deposits87.1766%1,842
Net loans and leases to core deposits102.4988%1,285
Total domestic deposits to total assets84.9488%2,434
Equity capital to assets10.9075%2,940
Core capital (leverage) ratio9.3417%4,143
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.2937%3,008
Memoranda:
Average total assets$2,542,492,000364
Average earning assets$2,351,330,500359
Average equity$274,495,000388
Average total loans$1,896,769,500350
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6266%2,530
Cost of funding earning assets0.8846%2,262
Net interest margin3.7421%2,686
Noninterest income to average assets0.8282%1,365
Noninterest expense to average assets2.4397%3,593
Loan and lease loss provision to assets0.1032%2,003
Net operating income to assets1.4492%1,192
Return on assets (ROA)1.4489%1,257
Pretax return on assets1.7508%1,068
Return on Equity (ROE)13.2249%1,104
Retained earnings to average equity (ytd only)0.1953%4,632
Net charge-offs to loans0.0877%1,864
Credit loss provision to net charge-offs157.5563%1,636
Earnings coverage of net charge-offs (x)28.3183%1,631
Efficiency ratio55.8616%4,221
Assets per employee ($millions)5.9032%1,710
Cash dividends to net income (ytd only)*98.5234%334
Condition Ratios (%)
Loss allowance to loans0.7986%4,305
Loan loss allowance to noncurrent loans228.2855%1,899
Noncurrent assets plus other real estate owned to assets0.2617%3,383
Noncurrent loans to loans0.3498%3,195
Net loans and leases to total assets73.9893%1,755
Net loans and leases to deposits88.3833%1,788
Net loans and leases to core deposits102.5314%1,355
Total domestic deposits to total assets83.7141%2,945
Equity capital to assets10.6750%3,282
Core capital (leverage) ratio9.0561%4,482
Tier 1 risk-based capital ratio11.1909%4,780
Total risk-based capital ratio11.9502%4,873
Memoranda:
Average total assets$2,374,560,800362
Average earning assets$2,199,354,600356
Average equity$260,145,000383
Average total loans$1,772,775,800360
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6363%2,612
Cost of funding earning assets0.9039%2,212
Net interest margin3.7324%2,816
Noninterest income to average assets0.8035%1,406
Noninterest expense to average assets2.4499%3,568
Loan and lease loss provision to assets0.1045%1,844
Net operating income to assets1.4185%1,416
Return on assets (ROA)1.4177%1,475
Pretax return on assets1.7028%1,331
Return on Equity (ROE)12.8553%1,337
Retained earnings to average equity (ytd only)7.9796%1,402
Net charge-offs to loans0.0893%1,575
Credit loss provision to net charge-offs156.6469%1,581
Earnings coverage of net charge-offs (x)27.1058%1,723
Efficiency ratio56.5654%4,110
Assets per employee ($millions)5.8667%1,700
Cash dividends to net income (ytd only)*37.9279%2,246
Condition Ratios (%)
Loss allowance to loans0.7985%4,414
Loan loss allowance to noncurrent loans211.3054%2,017
Noncurrent assets plus other real estate owned to assets0.2830%3,420
Noncurrent loans to loans0.3779%3,201
Net loans and leases to total assets73.4771%1,922
Net loans and leases to deposits86.5736%2,124
Net loans and leases to core deposits101.5125%1,548
Total domestic deposits to total assets84.8724%2,468
Equity capital to assets11.4258%2,713
Core capital (leverage) ratio9.7533%3,906
Tier 1 risk-based capital ratio12.0656%4,386
Total risk-based capital ratio12.8202%4,534
Memoranda:
Average total assets$2,360,175,250364
Average earning assets$2,184,644,000360
Average equity$260,274,500386
Average total loans$1,762,474,000364
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6174%2,624
Cost of funding earning assets0.8917%2,192
Net interest margin3.7258%2,852
Noninterest income to average assets0.7713%1,436
Noninterest expense to average assets2.4622%3,589
Loan and lease loss provision to assets0.1110%1,685
Net operating income to assets1.3892%1,460
Return on assets (ROA)1.3868%1,528
Pretax return on assets1.6455%1,410
Return on Equity (ROE)12.7328%1,326
Retained earnings to average equity (ytd only)7.8746%1,440
Net charge-offs to loans0.0764%1,604
Credit loss provision to net charge-offs194.0299%1,248
Earnings coverage of net charge-offs (x)30.7642%1,440
Efficiency ratio57.3424%4,089
Assets per employee ($millions)5.6504%1,825
Cash dividends to net income (ytd only)*38.1547%2,278
Condition Ratios (%)
Loss allowance to loans0.7984%4,445
Loan loss allowance to noncurrent loans196.1114%2,182
Noncurrent assets plus other real estate owned to assets0.3072%3,307
Noncurrent loans to loans0.4071%3,076
Net loans and leases to total assets74.1116%1,870
Net loans and leases to deposits88.1584%1,986
Net loans and leases to core deposits104.4156%1,350
Total domestic deposits to total assets84.0664%2,834
Equity capital to assets11.1778%2,885
Core capital (leverage) ratio9.6080%4,028
Tier 1 risk-based capital ratio11.7899%4,527
Total risk-based capital ratio12.5457%4,681
Memoranda:
Average total assets$2,343,158,670366
Average earning assets$2,169,906,670363
Average equity$255,199,000391
Average total loans$1,754,645,670365
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5802%2,603
Cost of funding earning assets0.8696%2,158
Net interest margin3.7106%2,854
Noninterest income to average assets0.7344%1,483
Noninterest expense to average assets2.4210%3,714
Loan and lease loss provision to assets0.0947%1,841
Net operating income to assets1.3855%1,418
Return on assets (ROA)1.3806%1,464
Pretax return on assets1.6484%1,350
Return on Equity (ROE)12.8497%1,268
Retained earnings to average equity (ytd only)8.0423%1,642
Net charge-offs to loans0.0838%1,260
Credit loss provision to net charge-offs150.6849%1,229
Earnings coverage of net charge-offs (x)27.8219%1,371
Efficiency ratio57.0544%4,213
Assets per employee ($millions)5.6150%1,871
Cash dividends to net income (ytd only)*37.4127%2,001
Condition Ratios (%)
Loss allowance to loans0.7892%4,553
Loan loss allowance to noncurrent loans181.8026%2,340
Noncurrent assets plus other real estate owned to assets0.3333%3,269
Noncurrent loans to loans0.4341%3,025
Net loans and leases to total assets74.1458%1,773
Net loans and leases to deposits88.3953%1,822
Net loans and leases to core deposits102.1838%1,450
Total domestic deposits to total assets83.8799%3,088
Equity capital to assets10.8949%2,957
Core capital (leverage) ratio9.4495%4,198
Tier 1 risk-based capital ratio11.6788%4,637
Total risk-based capital ratio12.4237%4,804
Memoranda:
Average total assets$2,322,494,500372
Average earning assets$2,150,379,000368
Average equity$249,532,000398
Average total loans$1,741,267,000371
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4691%2,552
Cost of funding earning assets0.6409%2,457
Net interest margin3.8283%2,566
Noninterest income to average assets0.7464%1,662
Noninterest expense to average assets2.4836%3,657
Loan and lease loss provision to assets0.1353%1,596
Net operating income to assets1.4119%1,384
Return on assets (ROA)1.4227%1,355
Pretax return on assets1.6776%1,223
Return on Equity (ROE)13.7118%1,125
Retained earnings to average equity (ytd only)10.2942%573
Net charge-offs to loans0.1045%1,715
Credit loss provision to net charge-offs174.1149%1,611
Earnings coverage of net charge-offs (x)23.1695%1,863
Efficiency ratio56.9170%4,291
Assets per employee ($millions)5.5375%1,921
Cash dividends to net income (ytd only)*24.9247%3,284
Condition Ratios (%)
Loss allowance to loans0.7826%4,596
Loan loss allowance to noncurrent loans175.8117%2,440
Noncurrent assets plus other real estate owned to assets0.3348%3,214
Noncurrent loans to loans0.4451%2,943
Net loans and leases to total assets74.6265%1,817
Net loans and leases to deposits95.4802%1,123
Net loans and leases to core deposits105.1897%1,325
Total domestic deposits to total assets78.1591%4,461
Equity capital to assets10.5917%3,090
Core capital (leverage) ratio9.3179%4,341
Tier 1 risk-based capital ratio11.5128%4,723
Total risk-based capital ratio12.2565%4,867
Memoranda:
Average total assets$2,217,636,800384
Average earning assets$2,049,134,400381
Average equity$230,100,400407
Average total loans$1,649,334,800379
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4201%2,566
Cost of funding earning assets0.5786%2,637
Net interest margin3.8415%2,494
Noninterest income to average assets0.7412%1,710
Noninterest expense to average assets2.4832%3,643
Loan and lease loss provision to assets0.1504%1,308
Net operating income to assets1.4066%1,462
Return on assets (ROA)1.4053%1,464
Pretax return on assets1.6531%1,403
Return on Equity (ROE)13.6179%1,231
Retained earnings to average equity (ytd only)8.9883%1,220
Net charge-offs to loans0.1158%1,348
Credit loss provision to net charge-offs175.1592%1,530
Earnings coverage of net charge-offs (x)21.0291%1,933
Efficiency ratio56.8373%4,272
Assets per employee ($millions)5.4883%1,924
Cash dividends to net income (ytd only)*33.9962%2,360
Condition Ratios (%)
Loss allowance to loans0.7904%4,655
Loan loss allowance to noncurrent loans145.0553%2,819
Noncurrent assets plus other real estate owned to assets0.4059%3,064
Noncurrent loans to loans0.5449%2,745
Net loans and leases to total assets73.8991%2,002
Net loans and leases to deposits95.1245%1,252
Net loans and leases to core deposits102.5530%1,561
Total domestic deposits to total assets77.6867%4,532
Equity capital to assets10.0847%3,556
Core capital (leverage) ratio9.1263%4,593
Tier 1 risk-based capital ratio11.2935%4,900
Total risk-based capital ratio12.0439%5,031
Memoranda:
Average total assets$2,194,759,000386
Average earning assets$2,026,612,250381
Average equity$226,481,250409
Average total loans$1,627,461,500382
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3607%2,541
Cost of funding earning assets0.5178%2,869
Net interest margin3.8429%2,407
Noninterest income to average assets0.7337%1,720
Noninterest expense to average assets2.4590%3,748
Loan and lease loss provision to assets0.1406%1,391
Net operating income to assets1.4113%1,395
Return on assets (ROA)1.4113%1,397
Pretax return on assets1.6827%1,260
Return on Equity (ROE)13.5686%1,189
Retained earnings to average equity (ytd only)9.0782%1,187
Net charge-offs to loans0.1340%1,118
Credit loss provision to net charge-offs141.7286%1,632
Earnings coverage of net charge-offs (x)18.3773%1,904
Efficiency ratio56.3360%4,435
Assets per employee ($millions)5.2820%2,118
Cash dividends to net income (ytd only)*33.0938%2,437
Condition Ratios (%)
Loss allowance to loans0.7778%4,758
Loan loss allowance to noncurrent loans151.8439%2,751
Noncurrent assets plus other real estate owned to assets0.3789%3,224
Noncurrent loans to loans0.5123%2,882
Net loans and leases to total assets73.3934%2,060
Net loans and leases to deposits98.3738%942
Net loans and leases to core deposits104.3472%1,370
Total domestic deposits to total assets74.6067%4,989
Equity capital to assets10.3080%3,332
Core capital (leverage) ratio9.1437%4,526
Tier 1 risk-based capital ratio11.3215%4,883
Total risk-based capital ratio12.0560%5,043
Memoranda:
Average total assets$2,168,956,670393
Average earning assets$2,002,851,670386
Average equity$225,594,670410
Average total loans$1,605,786,330384
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2961%2,533
Cost of funding earning assets0.4666%3,072
Net interest margin3.8295%2,303
Noninterest income to average assets0.7214%1,739
Noninterest expense to average assets2.4608%3,774
Loan and lease loss provision to assets0.1446%1,293
Net operating income to assets1.3959%1,356
Return on assets (ROA)1.3959%1,362
Pretax return on assets1.6483%1,248
Return on Equity (ROE)13.3593%1,170
Retained earnings to average equity (ytd only)8.8961%1,498
Net charge-offs to loans0.1360%991
Credit loss provision to net charge-offs143.5185%1,258
Earnings coverage of net charge-offs (x)17.7981%1,562
Efficiency ratio56.7450%4,490
Assets per employee ($millions)5.2407%2,205
Cash dividends to net income (ytd only)*33.4091%2,052
Condition Ratios (%)
Loss allowance to loans0.7847%4,824
Loan loss allowance to noncurrent loans159.0016%2,653
Noncurrent assets plus other real estate owned to assets0.3701%3,347
Noncurrent loans to loans0.4935%3,035
Net loans and leases to total assets73.8449%1,882
Net loans and leases to deposits96.6453%964
Net loans and leases to core deposits102.0397%1,526
Total domestic deposits to total assets76.4081%4,927
Equity capital to assets10.3907%3,177
Core capital (leverage) ratio9.0516%4,624
Tier 1 risk-based capital ratio11.2935%4,984
Total risk-based capital ratio12.0359%5,146
Memoranda:
Average total assets$2,144,223,500397
Average earning assets$1,977,807,500397
Average equity$224,054,000416
Average total loans$1,588,209,000390
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2318%2,575
Cost of funding earning assets0.3568%3,646
Net interest margin3.8750%2,166
Noninterest income to average assets0.7695%1,696
Noninterest expense to average assets2.6057%3,427
Loan and lease loss provision to assets0.1625%1,376
Net operating income to assets1.0626%2,007
Return on assets (ROA)1.0625%2,030
Pretax return on assets1.5723%1,373
Return on Equity (ROE)10.3620%1,744
Retained earnings to average equity (ytd only)6.3620%1,351
Net charge-offs to loans0.1254%1,796
Credit loss provision to net charge-offs177.5305%1,523
Earnings coverage of net charge-offs (x)18.9534%2,049
Efficiency ratio58.9121%4,425
Assets per employee ($millions)5.2445%2,207
Cash dividends to net income (ytd only)*38.6020%2,919
Condition Ratios (%)
Loss allowance to loans0.7808%4,881
Loan loss allowance to noncurrent loans160.0182%2,681
Noncurrent assets plus other real estate owned to assets0.3677%3,393
Noncurrent loans to loans0.4880%3,057
Net loans and leases to total assets73.1324%2,074
Net loans and leases to deposits97.2433%973
Net loans and leases to core deposits102.0252%1,552
Total domestic deposits to total assets75.2056%5,069
Equity capital to assets10.5079%3,163
Core capital (leverage) ratio9.1192%4,500
Tier 1 risk-based capital ratio11.4542%4,881
Total risk-based capital ratio12.1886%5,067
Memoranda:
Average total assets$2,061,388,200398
Average earning assets$1,899,776,400395
Average equity$211,378,800421
Average total loans$1,504,783,000391
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2047%2,602
Cost of funding earning assets0.3393%3,781
Net interest margin3.8654%2,165
Noninterest income to average assets0.7746%1,684
Noninterest expense to average assets2.6421%3,278
Loan and lease loss provision to assets0.1926%999
Net operating income to assets1.1063%2,062
Return on assets (ROA)1.1061%2,116
Pretax return on assets1.5024%1,758
Return on Equity (ROE)10.8574%1,753
Retained earnings to average equity (ytd only)7.1276%1,624
Net charge-offs to loans0.1523%1,333
Credit loss provision to net charge-offs173.7338%1,506
Earnings coverage of net charge-offs (x)15.2886%2,240
Efficiency ratio59.8049%4,253
Assets per employee ($millions)5.2645%2,157
Cash dividends to net income (ytd only)*34.3527%2,550
Condition Ratios (%)
Loss allowance to loans0.7801%4,951
Loan loss allowance to noncurrent loans175.4203%2,465
Noncurrent assets plus other real estate owned to assets0.3323%3,721
Noncurrent loans to loans0.4447%3,372
Net loans and leases to total assets71.8531%2,272
Net loans and leases to deposits95.4324%1,160
Net loans and leases to core deposits99.4836%1,750
Total domestic deposits to total assets75.2922%5,099
Equity capital to assets10.3517%3,535
Core capital (leverage) ratio9.1622%4,557
Tier 1 risk-based capital ratio11.4111%5,007
Total risk-based capital ratio12.1410%5,197
Memoranda:
Average total assets$2,041,794,750402
Average earning assets$1,881,921,750400
Average equity$208,012,500425
Average total loans$1,486,685,250394
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1979%2,479
Cost of funding earning assets0.3176%3,903
Net interest margin3.8803%1,999
Noninterest income to average assets0.7880%1,611
Noninterest expense to average assets2.6549%3,250
Loan and lease loss provision to assets0.1992%928
Net operating income to assets1.1063%1,944
Return on assets (ROA)1.1061%1,993
Pretax return on assets1.5081%1,605
Return on Equity (ROE)10.9205%1,678
Retained earnings to average equity (ytd only)7.3052%1,450
Net charge-offs to loans0.1510%1,247
Credit loss provision to net charge-offs180.8318%1,352
Earnings coverage of net charge-offs (x)15.5036%2,025
Efficiency ratio59.7576%4,349
Assets per employee ($millions)5.0815%2,300
Cash dividends to net income (ytd only)*33.1052%2,664
Condition Ratios (%)
Loss allowance to loans0.7802%4,992
Loan loss allowance to noncurrent loans184.8308%2,390
Noncurrent assets plus other real estate owned to assets0.3187%3,849
Noncurrent loans to loans0.4221%3,508
Net loans and leases to total assets72.2252%2,165
Net loans and leases to deposits96.6840%1,011
Net loans and leases to core deposits100.4764%1,617
Total domestic deposits to total assets74.7023%5,235
Equity capital to assets10.1588%3,723
Core capital (leverage) ratio8.9109%4,828
Tier 1 risk-based capital ratio11.1380%5,182
Total risk-based capital ratio11.8707%5,346
Memoranda:
Average total assets$2,008,383,000410
Average earning assets$1,850,086,670403
Average equity$203,416,000433
Average total loans$1,465,024,670399
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1336%2,538
Cost of funding earning assets0.2844%4,204
Net interest margin3.8491%1,955
Noninterest income to average assets0.7495%1,750
Noninterest expense to average assets2.5889%3,534
Loan and lease loss provision to assets0.2123%766
Net operating income to assets1.1005%1,867
Return on assets (ROA)1.1023%1,899
Pretax return on assets1.4939%1,550
Return on Equity (ROE)10.9000%1,606
Retained earnings to average equity (ytd only)7.3553%1,714
Net charge-offs to loans0.1614%1,003
Credit loss provision to net charge-offs180.1029%1,087
Earnings coverage of net charge-offs (x)14.4545%1,721
Efficiency ratio59.1748%4,568
Assets per employee ($millions)5.0597%2,361
Cash dividends to net income (ytd only)*32.5202%2,256
Condition Ratios (%)
Loss allowance to loans0.7741%5,130
Loan loss allowance to noncurrent loans172.7300%2,543
Noncurrent assets plus other real estate owned to assets0.3421%3,826
Noncurrent loans to loans0.4482%3,487
Net loans and leases to total assets72.2276%2,042
Net loans and leases to deposits93.9758%1,110
Net loans and leases to core deposits97.9277%1,663
Total domestic deposits to total assets76.8576%5,131
Equity capital to assets10.0620%3,678
Core capital (leverage) ratio8.9057%4,835
Tier 1 risk-based capital ratio11.1339%5,239
Total risk-based capital ratio11.8571%5,415
Memoranda:
Average total assets$1,978,481,500416
Average earning assets$1,821,186,000413
Average equity$200,072,500440
Average total loans$1,444,788,500404
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1473%2,671
Cost of funding earning assets0.2453%4,610
Net interest margin3.9020%1,958
Noninterest income to average assets0.7776%1,839
Noninterest expense to average assets2.6846%3,388
Loan and lease loss provision to assets0.2038%1,119
Net operating income to assets1.0773%2,002
Return on assets (ROA)1.0807%2,083
Pretax return on assets1.4802%1,656
Return on Equity (ROE)10.5457%1,750
Retained earnings to average equity (ytd only)7.5471%1,022
Net charge-offs to loans0.1468%1,798
Credit loss provision to net charge-offs193.8878%1,459
Earnings coverage of net charge-offs (x)15.9790%2,152
Efficiency ratio60.4554%4,518
Assets per employee ($millions)4.8828%2,523
Cash dividends to net income (ytd only)*28.4336%3,383
Condition Ratios (%)
Loss allowance to loans0.7603%5,213
Loan loss allowance to noncurrent loans132.8274%3,055
Noncurrent assets plus other real estate owned to assets0.4441%3,486
Noncurrent loans to loans0.5724%3,123
Net loans and leases to total assets72.7094%2,060
Net loans and leases to deposits92.7014%1,342
Net loans and leases to core deposits96.0269%1,922
Total domestic deposits to total assets78.4340%4,909
Equity capital to assets10.1645%3,532
Core capital (leverage) ratio8.9105%4,842
Tier 1 risk-based capital ratio11.1170%5,277
Total risk-based capital ratio11.8222%5,469
Memoranda:
Average total assets$1,899,261,400414
Average earning assets$1,745,594,600407
Average equity$194,630,000437
Average total loans$1,359,774,000401
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1475%2,690
Cost of funding earning assets0.2404%4,695
Net interest margin3.9071%1,952
Noninterest income to average assets0.7526%1,955
Noninterest expense to average assets2.6762%3,410
Loan and lease loss provision to assets0.2035%1,038
Net operating income to assets1.0772%2,094
Return on assets (ROA)1.0818%2,181
Pretax return on assets1.4705%1,804
Return on Equity (ROE)10.5347%1,854
Retained earnings to average equity (ytd only)7.5493%1,379
Net charge-offs to loans0.1331%1,643
Credit loss provision to net charge-offs214.7651%1,368
Earnings coverage of net charge-offs (x)17.6017%2,043
Efficiency ratio60.6002%4,451
Assets per employee ($millions)4.9171%2,468
Cash dividends to net income (ytd only)*28.3391%2,895
Condition Ratios (%)
Loss allowance to loans0.7527%5,313
Loan loss allowance to noncurrent loans131.4093%3,061
Noncurrent assets plus other real estate owned to assets0.4382%3,666
Noncurrent loans to loans0.5728%3,283
Net loans and leases to total assets71.4066%2,278
Net loans and leases to deposits92.7539%1,400
Net loans and leases to core deposits95.9087%2,002
Total domestic deposits to total assets76.9850%5,093
Equity capital to assets10.3360%3,761
Core capital (leverage) ratio8.8269%5,029
Tier 1 risk-based capital ratio11.1183%5,302
Total risk-based capital ratio11.8179%5,508
Memoranda:
Average total assets$1,887,012,500410
Average earning assets$1,734,546,250410
Average equity$193,780,000443
Average total loans$1,342,863,000406
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1523%2,665
Cost of funding earning assets0.2343%4,807
Net interest margin3.9180%1,922
Noninterest income to average assets0.6890%2,194
Noninterest expense to average assets2.6351%3,592
Loan and lease loss provision to assets0.1894%1,148
Net operating income to assets1.0813%2,035
Return on assets (ROA)1.0859%2,144
Pretax return on assets1.4714%1,768
Return on Equity (ROE)10.5988%1,805
Retained earnings to average equity (ytd only)7.8221%1,234
Net charge-offs to loans0.1552%1,404
Credit loss provision to net charge-offs172.1790%1,444
Earnings coverage of net charge-offs (x)15.0370%2,017
Efficiency ratio60.5394%4,572
Assets per employee ($millions)4.8170%2,539
Cash dividends to net income (ytd only)*26.1975%2,985
Condition Ratios (%)
Loss allowance to loans0.7147%5,488
Loan loss allowance to noncurrent loans116.2679%3,402
Noncurrent assets plus other real estate owned to assets0.4682%3,652
Noncurrent loans to loans0.6147%3,221
Net loans and leases to total assets70.7823%2,355
Net loans and leases to deposits93.1506%1,383
Net loans and leases to core deposits96.4471%1,938
Total domestic deposits to total assets75.9869%5,286
Equity capital to assets10.4121%3,732
Core capital (leverage) ratio8.8511%4,997
Tier 1 risk-based capital ratio11.0610%5,391
Total risk-based capital ratio11.7190%5,599
Memoranda:
Average total assets$1,868,600,330414
Average earning assets$1,717,274,670411
Average equity$191,456,330448
Average total loans$1,324,680,000408
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1728%2,572
Cost of funding earning assets0.2302%4,900
Net interest margin3.9426%1,805
Noninterest income to average assets0.6037%2,506
Noninterest expense to average assets2.6330%3,647
Loan and lease loss provision to assets0.1687%1,222
Net operating income to assets1.0580%2,059
Return on assets (ROA)1.0580%2,167
Pretax return on assets1.4249%1,824
Return on Equity (ROE)10.4132%1,811
Retained earnings to average equity (ytd only)10.4132%759
Net charge-offs to loans0.1126%1,446
Credit loss provision to net charge-offs211.9565%1,040
Earnings coverage of net charge-offs (x)20.0190%1,482
Efficiency ratio61.3849%4,546
Assets per employee ($millions)4.8148%2,561
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.7137%5,568
Loan loss allowance to noncurrent loans96.6945%3,691
Noncurrent assets plus other real estate owned to assets0.5567%3,397
Noncurrent loans to loans0.7381%2,990
Net loans and leases to total assets70.8400%2,214
Net loans and leases to deposits90.2300%1,555
Net loans and leases to core deposits93.4587%2,051
Total domestic deposits to total assets78.5105%5,058
Equity capital to assets10.3846%3,634
Core capital (leverage) ratio8.8163%5,063
Tier 1 risk-based capital ratio11.3633%5,303
Total risk-based capital ratio12.0225%5,526
Memoranda:
Average total assets$1,849,132,000415
Average earning assets$1,699,201,000411
Average equity$187,877,000451
Average total loans$1,307,061,000407
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9076%3,681
Cost of funding earning assets0.2951%4,307
Net interest margin3.6124%3,087
Noninterest income to average assets0.6763%2,312
Noninterest expense to average assets2.8504%3,032
Loan and lease loss provision to assets0.2359%825
Net operating income to assets0.7281%3,678
Return on assets (ROA)0.7330%3,751
Pretax return on assets0.9324%3,718
Return on Equity (ROE)7.4522%3,272
Retained earnings to average equity (ytd only)-8.7709%6,017
Net charge-offs to loans0.2184%1,351
Credit loss provision to net charge-offs162.1996%1,661
Earnings coverage of net charge-offs (x)7.9917%3,014
Efficiency ratio71.0362%3,062
Assets per employee ($millions)4.7422%2,677
Cash dividends to net income (ytd only)*217.6951%87
Condition Ratios (%)
Loss allowance to loans0.6915%5,647
Loan loss allowance to noncurrent loans85.9550%3,994
Noncurrent assets plus other real estate owned to assets0.6141%3,224
Noncurrent loans to loans0.8045%2,774
Net loans and leases to total assets69.5405%2,440
Net loans and leases to deposits91.3483%1,469
Net loans and leases to core deposits94.6977%1,974
Total domestic deposits to total assets76.1267%5,429
Equity capital to assets9.9371%4,037
Core capital (leverage) ratio8.6517%5,275
Tier 1 risk-based capital ratio11.0777%5,478
Total risk-based capital ratio11.7096%5,710
Memoranda:
Average total assets$1,488,047,400480
Average earning assets$1,374,311,000469
Average equity$146,359,200521
Average total loans$990,946,200485
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7399%4,293
Cost of funding earning assets0.3152%4,167
Net interest margin3.4247%3,858
Noninterest income to average assets0.6543%2,454
Noninterest expense to average assets2.6905%3,592
Loan and lease loss provision to assets0.2406%729
Net operating income to assets0.7013%3,897
Return on assets (ROA)0.7048%3,991
Pretax return on assets0.8962%3,993
Return on Equity (ROE)7.1902%3,530
Retained earnings to average equity (ytd only)-14.7477%6,175
Net charge-offs to loans0.2710%986
Credit loss provision to net charge-offs135.6297%1,818
Earnings coverage of net charge-offs (x)6.3837%3,056
Efficiency ratio70.3786%3,153
Assets per employee ($millions)4.6111%2,822
Cash dividends to net income (ytd only)*305.1071%41
Condition Ratios (%)
Loss allowance to loans0.7009%5,725
Loan loss allowance to noncurrent loans87.2961%3,981
Noncurrent assets plus other real estate owned to assets0.6236%3,398
Noncurrent loans to loans0.8029%2,958
Net loans and leases to total assets69.4362%2,469
Net loans and leases to deposits87.8693%1,923
Net loans and leases to core deposits90.7588%2,378
Total domestic deposits to total assets79.0221%4,970
Equity capital to assets9.7858%4,407
Core capital (leverage) ratio8.7666%5,279
Tier 1 risk-based capital ratio11.1483%5,576
Total risk-based capital ratio11.7820%5,798
Memoranda:
Average total assets$1,396,513,250510
Average earning assets$1,292,123,750506
Average equity$136,885,750554
Average total loans$914,086,250524
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4439%5,127
Cost of funding earning assets0.3330%4,014
Net interest margin3.1109%4,943
Noninterest income to average assets0.6185%2,634
Noninterest expense to average assets2.4146%4,499
Loan and lease loss provision to assets0.2003%979
Net operating income to assets0.7002%3,895
Return on assets (ROA)0.7054%3,985
Pretax return on assets0.8937%3,979
Return on Equity (ROE)7.1917%3,490
Retained earnings to average equity (ytd only)-22.6951%6,278
Net charge-offs to loans0.3994%652
Credit loss provision to net charge-offs78.9793%2,345
Earnings coverage of net charge-offs (x)4.2874%3,064
Efficiency ratio68.9488%3,499
Assets per employee ($millions)4.2217%3,433
Cash dividends to net income (ytd only)*415.5745%30
Condition Ratios (%)
Loss allowance to loans0.6419%5,907
Loan loss allowance to noncurrent loans91.2232%3,932
Noncurrent assets plus other real estate owned to assets0.5508%3,775
Noncurrent loans to loans0.7036%3,376
Net loans and leases to total assets68.1486%2,618
Net loans and leases to deposits85.1212%2,162
Net loans and leases to core deposits87.9819%2,554
Total domestic deposits to total assets80.0607%4,851
Equity capital to assets9.9000%4,158
Core capital (leverage) ratio8.6195%5,415
Tier 1 risk-based capital ratio11.7006%5,343
Total risk-based capital ratio12.2829%5,617
Memoranda:
Average total assets$1,297,930,000549
Average earning assets$1,203,057,670541
Average equity$127,313,670601
Average total loans$824,336,000569
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8175%3,942
Cost of funding earning assets0.3835%3,482
Net interest margin3.4340%3,693
Noninterest income to average assets0.6764%2,271
Noninterest expense to average assets2.7242%3,507
Loan and lease loss provision to assets0.1608%1,259
Net operating income to assets0.7832%3,351
Return on assets (ROA)0.7854%3,470
Pretax return on assets1.0030%3,489
Return on Equity (ROE)8.0622%2,928
Retained earnings to average equity (ytd only)4.2842%3,444
Net charge-offs to loans0.2147%1,086
Credit loss provision to net charge-offs125.3482%1,402
Earnings coverage of net charge-offs (x)9.0501%2,036
Efficiency ratio70.1186%3,467
Assets per employee ($millions)3.9481%4,065
Cash dividends to net income (ytd only)*46.8608%1,831
Condition Ratios (%)
Loss allowance to loans1.1464%4,281
Loan loss allowance to noncurrent loans97.2670%3,741
Noncurrent assets plus other real estate owned to assets0.7235%3,329
Noncurrent loans to loans1.1787%2,419
Net loans and leases to total assets59.5998%3,714
Net loans and leases to deposits73.0430%3,425
Net loans and leases to core deposits75.0822%3,679
Total domestic deposits to total assets81.5955%4,640
Equity capital to assets9.8809%4,289
Core capital (leverage) ratio9.3773%4,463
Tier 1 risk-based capital ratio13.8464%4,121
Total risk-based capital ratio14.8374%4,198
Memoranda:
Average total assets$1,119,438,000629
Average earning assets$1,046,022,000613
Average equity$109,052,500703
Average total loans$668,960,500696
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9073%4,100
Cost of funding earning assets0.4364%3,318
Net interest margin3.4708%3,895
Noninterest income to average assets0.6262%2,703
Noninterest expense to average assets2.6990%3,863
Loan and lease loss provision to assets0.1678%1,558
Net operating income to assets0.7720%3,509
Return on assets (ROA)0.8032%3,452
Pretax return on assets1.0393%3,353
Return on Equity (ROE)8.7993%2,681
Retained earnings to average equity (ytd only)4.8758%2,697
Net charge-offs to loans0.2830%1,533
Credit loss provision to net charge-offs103.5242%2,312
Earnings coverage of net charge-offs (x)7.1977%3,068
Efficiency ratio69.8220%3,559
Assets per employee ($millions)3.9215%4,117
Cash dividends to net income (ytd only)*44.5889%2,597
Condition Ratios (%)
Loss allowance to loans1.1489%4,291
Loan loss allowance to noncurrent loans89.9894%3,960
Noncurrent assets plus other real estate owned to assets0.7694%3,291
Noncurrent loans to loans1.2767%2,323
Net loans and leases to total assets58.5477%3,989
Net loans and leases to deposits71.5256%3,733
Net loans and leases to core deposits73.5502%3,956
Total domestic deposits to total assets81.8556%4,472
Equity capital to assets9.6031%4,587
Core capital (leverage) ratio9.3649%4,448
Tier 1 risk-based capital ratio14.5236%3,763
Total risk-based capital ratio15.5610%3,822
Memoranda:
Average total assets$1,120,482,800604
Average earning assets$1,045,770,800590
Average equity$102,280,800714
Average total loans$641,588,200678
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9010%4,171
Cost of funding earning assets0.4455%3,304
Net interest margin3.4555%3,997
Noninterest income to average assets0.6063%2,830
Noninterest expense to average assets2.6739%3,924
Loan and lease loss provision to assets0.1256%1,994
Net operating income to assets0.7939%3,449
Return on assets (ROA)0.8014%3,516
Pretax return on assets1.0379%3,437
Return on Equity (ROE)8.8948%2,744
Retained earnings to average equity (ytd only)4.9541%3,107
Net charge-offs to loans0.2705%1,450
Credit loss provision to net charge-offs81.7829%2,561
Earnings coverage of net charge-offs (x)7.5139%2,920
Efficiency ratio69.8591%3,537
Assets per employee ($millions)3.9259%4,032
Cash dividends to net income (ytd only)*44.3041%2,136
Condition Ratios (%)
Loss allowance to loans1.1320%4,599
Loan loss allowance to noncurrent loans101.5932%3,642
Noncurrent assets plus other real estate owned to assets0.6768%3,805
Noncurrent loans to loans1.1142%2,836
Net loans and leases to total assets57.0427%4,196
Net loans and leases to deposits69.9344%3,923
Net loans and leases to core deposits71.5297%4,201
Total domestic deposits to total assets81.5660%4,640
Equity capital to assets9.3287%5,009
Core capital (leverage) ratio9.3342%4,594
Tier 1 risk-based capital ratio14.5917%3,821
Total risk-based capital ratio15.6044%3,917
Memoranda:
Average total assets$1,120,215,000600
Average earning assets$1,044,298,000585
Average equity$100,925,000725
Average total loans$635,916,250682
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8653%4,282
Cost of funding earning assets0.4536%3,287
Net interest margin3.4117%4,128
Noninterest income to average assets0.5644%3,019
Noninterest expense to average assets2.6274%4,147
Loan and lease loss provision to assets0.1126%2,145
Net operating income to assets0.7776%3,439
Return on assets (ROA)0.7892%3,483
Pretax return on assets1.0177%3,409
Return on Equity (ROE)8.8648%2,652
Retained earnings to average equity (ytd only)4.7284%3,128
Net charge-offs to loans0.2665%1,483
Credit loss provision to net charge-offs74.8219%2,390
Earnings coverage of net charge-offs (x)7.4145%2,634
Efficiency ratio70.1976%3,625
Assets per employee ($millions)3.9131%4,032
Cash dividends to net income (ytd only)*46.6606%2,069
Condition Ratios (%)
Loss allowance to loans1.1530%4,650
Loan loss allowance to noncurrent loans90.3797%3,872
Noncurrent assets plus other real estate owned to assets0.7614%3,685
Noncurrent loans to loans1.2757%2,674
Net loans and leases to total assets56.5484%4,192
Net loans and leases to deposits69.2921%3,911
Net loans and leases to core deposits70.8250%4,168
Total domestic deposits to total assets81.6087%4,780
Equity capital to assets9.2346%5,064
Core capital (leverage) ratio9.2269%4,699
Tier 1 risk-based capital ratio14.5416%3,898
Total risk-based capital ratio15.5670%3,985
Memoranda:
Average total assets$1,119,352,330599
Average earning assets$1,042,822,330586
Average equity$99,652,330730
Average total loans$631,951,670680
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8439%4,310
Cost of funding earning assets0.4601%3,309
Net interest margin3.3838%4,205
Noninterest income to average assets0.5440%3,089
Noninterest expense to average assets2.5860%4,321
Loan and lease loss provision to assets0.1177%2,009
Net operating income to assets0.7762%3,270
Return on assets (ROA)0.7762%3,353
Pretax return on assets0.9962%3,333
Return on Equity (ROE)8.8830%2,521
Retained earnings to average equity (ytd only)4.6783%3,312
Net charge-offs to loans0.3250%1,092
Credit loss provision to net charge-offs64.5793%2,060
Earnings coverage of net charge-offs (x)6.1115%2,276
Efficiency ratio69.8930%3,857
Assets per employee ($millions)3.9539%4,037
Cash dividends to net income (ytd only)*47.3346%1,772
Condition Ratios (%)
Loss allowance to loans1.1779%4,743
Loan loss allowance to noncurrent loans86.9570%3,972
Noncurrent assets plus other real estate owned to assets0.7720%3,815
Noncurrent loans to loans1.3546%2,776
Net loans and leases to total assets55.1891%4,257
Net loans and leases to deposits66.9696%3,975
Net loans and leases to core deposits68.5563%4,252
Total domestic deposits to total assets82.4092%4,811
Equity capital to assets8.8949%5,231
Core capital (leverage) ratio9.1390%4,810
Tier 1 risk-based capital ratio14.5314%3,992
Total risk-based capital ratio15.5728%4,067
Memoranda:
Average total assets$1,121,416,500604
Average earning assets$1,045,929,500587
Average equity$97,985,000743
Average total loans$628,929,000682
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8924%4,487
Cost of funding earning assets0.4802%3,817
Net interest margin3.4122%4,230
Noninterest income to average assets0.6136%3,008
Noninterest expense to average assets2.8266%3,633
Loan and lease loss provision to assets0.1148%2,895
Net operating income to assets0.6957%3,812
Return on assets (ROA)0.7559%3,606
Pretax return on assets0.9376%3,607
Return on Equity (ROE)8.4859%2,786
Retained earnings to average equity (ytd only)4.1576%3,214
Net charge-offs to loans0.2229%2,680
Credit loss provision to net charge-offs95.4848%2,619
Earnings coverage of net charge-offs (x)8.1369%2,723
Efficiency ratio74.2920%3,084
Assets per employee ($millions)3.9295%4,001
Cash dividends to net income (ytd only)*51.0065%2,229
Condition Ratios (%)
Loss allowance to loans1.1999%4,662
Loan loss allowance to noncurrent loans83.2472%4,084
Noncurrent assets plus other real estate owned to assets0.8269%3,824
Noncurrent loans to loans1.4413%2,726
Net loans and leases to total assets55.6449%4,367
Net loans and leases to deposits67.9461%4,061
Net loans and leases to core deposits69.5388%4,333
Total domestic deposits to total assets81.8956%4,909
Equity capital to assets8.5799%5,494
Core capital (leverage) ratio8.9323%5,107
Tier 1 risk-based capital ratio14.3463%4,049
Total risk-based capital ratio15.4111%4,129
Memoranda:
Average total assets$1,123,883,600584
Average earning assets$1,051,069,800565
Average equity$100,107,000704
Average total loans$606,224,800689
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8793%4,581
Cost of funding earning assets0.4806%3,960
Net interest margin3.3987%4,292
Noninterest income to average assets0.6050%3,118
Noninterest expense to average assets2.9105%3,269
Loan and lease loss provision to assets0.0907%3,252
Net operating income to assets0.6418%4,171
Return on assets (ROA)0.7221%3,872
Pretax return on assets0.8820%3,957
Return on Equity (ROE)8.0331%3,110
Retained earnings to average equity (ytd only)3.6843%4,080
Net charge-offs to loans0.2277%2,443
Credit loss provision to net charge-offs74.6341%2,973
Earnings coverage of net charge-offs (x)7.2000%2,828
Efficiency ratio76.8906%2,578
Assets per employee ($millions)3.9820%3,870
Cash dividends to net income (ytd only)*54.1366%1,687
Condition Ratios (%)
Loss allowance to loans1.2035%4,843
Loan loss allowance to noncurrent loans80.7650%4,040
Noncurrent assets plus other real estate owned to assets0.8252%4,046
Noncurrent loans to loans1.4901%2,928
Net loans and leases to total assets53.4923%4,689
Net loans and leases to deposits66.8077%4,200
Net loans and leases to core deposits68.3943%4,494
Total domestic deposits to total assets80.0691%5,491
Equity capital to assets8.4864%5,748
Core capital (leverage) ratio8.8171%5,392
Tier 1 risk-based capital ratio14.4329%4,121
Total risk-based capital ratio15.4892%4,206
Memoranda:
Average total assets$1,124,876,250589
Average earning assets$1,052,580,750565
Average equity$101,112,000708
Average total loans$600,095,500697
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8997%4,475
Cost of funding earning assets0.4798%4,101
Net interest margin3.4199%4,113
Noninterest income to average assets0.5641%3,415
Noninterest expense to average assets2.8030%3,663
Loan and lease loss provision to assets0.0757%3,533
Net operating income to assets0.7109%3,752
Return on assets (ROA)0.7436%3,756
Pretax return on assets0.9308%3,780
Return on Equity (ROE)8.1206%3,028
Retained earnings to average equity (ytd only)3.8162%3,870
Net charge-offs to loans0.1557%2,856
Credit loss provision to net charge-offs91.5948%2,403
Earnings coverage of net charge-offs (x)11.6832%2,033
Efficiency ratio74.3785%3,056
Assets per employee ($millions)3.6318%4,549
Cash dividends to net income (ytd only)*53.0060%1,739
Condition Ratios (%)
Loss allowance to loans1.2625%4,683
Loan loss allowance to noncurrent loans93.9473%3,606
Noncurrent assets plus other real estate owned to assets0.7534%4,325
Noncurrent loans to loans1.3439%3,310
Net loans and leases to total assets53.4107%4,669
Net loans and leases to deposits65.5398%4,318
Net loans and leases to core deposits67.3673%4,559
Total domestic deposits to total assets81.4936%5,219
Equity capital to assets8.9429%5,275
Core capital (leverage) ratio8.8812%5,174
Tier 1 risk-based capital ratio14.8069%3,905
Total risk-based capital ratio15.9706%3,925
Memoranda:
Average total assets$1,122,870,000589
Average earning assets$1,052,127,670565
Average equity$102,825,330699
Average total loans$596,023,670698
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8766%4,563
Cost of funding earning assets0.4893%4,184
Net interest margin3.3874%4,168
Noninterest income to average assets0.5497%3,442
Noninterest expense to average assets2.7201%3,983
Loan and lease loss provision to assets0.0904%3,155
Net operating income to assets0.7297%3,542
Return on assets (ROA)0.7297%3,679
Pretax return on assets0.9144%3,708
Return on Equity (ROE)7.8779%3,039
Retained earnings to average equity (ytd only)2.7318%4,647
Net charge-offs to loans0.2534%1,939
Credit loss provision to net charge-offs67.8191%2,325
Earnings coverage of net charge-offs (x)7.5399%2,053
Efficiency ratio73.0257%3,441
Assets per employee ($millions)3.6811%4,598
Cash dividends to net income (ytd only)*65.3230%1,189
Condition Ratios (%)
Loss allowance to loans1.2582%4,904
Loan loss allowance to noncurrent loans101.8863%3,305
Noncurrent assets plus other real estate owned to assets0.6883%4,653
Noncurrent loans to loans1.2349%3,709
Net loans and leases to total assets52.1402%4,686
Net loans and leases to deposits64.0191%4,312
Net loans and leases to core deposits65.5774%4,581
Total domestic deposits to total assets81.4447%5,380
Equity capital to assets9.2091%5,242
Core capital (leverage) ratio8.8757%5,087
Tier 1 risk-based capital ratio14.8205%3,953
Total risk-based capital ratio15.9792%3,984
Memoranda:
Average total assets$1,128,633,000590
Average earning assets$1,057,930,500569
Average equity$104,545,000696
Average total loans$593,452,000702
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1778%4,672
Cost of funding earning assets0.6004%4,350
Net interest margin3.5774%4,194
Noninterest income to average assets0.5573%3,524
Noninterest expense to average assets2.7287%4,291
Loan and lease loss provision to assets0.0659%4,932
Net operating income to assets0.8497%3,049
Return on assets (ROA)0.9229%2,933
Pretax return on assets1.2101%2,768
Return on Equity (ROE)9.9639%2,183
Retained earnings to average equity (ytd only)7.3027%1,423
Net charge-offs to loans0.5035%2,230
Credit loss provision to net charge-offs24.8628%5,204
Earnings coverage of net charge-offs (x)4.4513%3,363
Efficiency ratio69.8161%3,858
Assets per employee ($millions)3.6836%4,598
Cash dividends to net income (ytd only)*26.7087%3,501
Condition Ratios (%)
Loss allowance to loans1.2927%4,668
Loan loss allowance to noncurrent loans93.0252%3,514
Noncurrent assets plus other real estate owned to assets0.7572%4,578
Noncurrent loans to loans1.3896%3,518
Net loans and leases to total assets51.6810%4,968
Net loans and leases to deposits63.1167%4,648
Net loans and leases to core deposits64.7832%4,867
Total domestic deposits to total assets81.8817%5,139
Equity capital to assets9.3170%5,128
Core capital (leverage) ratio8.7146%5,305
Tier 1 risk-based capital ratio14.7876%3,840
Total risk-based capital ratio15.9590%3,843
Memoranda:
Average total assets$1,100,248,000599
Average earning assets$1,030,663,400571
Average equity$101,907,400698
Average total loans$579,143,200715
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2136%4,768
Cost of funding earning assets0.6190%4,458
Net interest margin3.5946%4,256
Noninterest income to average assets0.5367%3,698
Noninterest expense to average assets2.6752%4,475
Loan and lease loss provision to assets0.0884%4,501
Net operating income to assets0.8710%3,124
Return on assets (ROA)0.9148%3,137
Pretax return on assets1.1989%2,992
Return on Equity (ROE)9.8920%2,401
Retained earnings to average equity (ytd only)7.3554%1,918
Net charge-offs to loans0.4441%2,329
Credit loss provision to net charge-offs37.7604%4,661
Earnings coverage of net charge-offs (x)5.2526%3,068
Efficiency ratio68.5100%3,957
Assets per employee ($millions)3.7720%4,371
Cash dividends to net income (ytd only)*25.6431%2,832
Condition Ratios (%)
Loss allowance to loans1.4939%3,978
Loan loss allowance to noncurrent loans99.5728%3,244
Noncurrent assets plus other real estate owned to assets0.7885%4,737
Noncurrent loans to loans1.5003%3,536
Net loans and leases to total assets50.7676%5,219
Net loans and leases to deposits62.8500%4,869
Net loans and leases to core deposits64.6590%5,085
Total domestic deposits to total assets80.7759%5,427
Equity capital to assets9.3562%5,399
Core capital (leverage) ratio8.6578%5,538
Tier 1 risk-based capital ratio14.9279%3,898
Total risk-based capital ratio16.1704%3,864
Memoranda:
Average total assets$1,093,515,500605
Average earning assets$1,024,619,250580
Average equity$101,129,500705
Average total loans$576,387,500718
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2836%4,633
Cost of funding earning assets0.6361%4,560
Net interest margin3.6475%4,051
Noninterest income to average assets0.5349%3,689
Noninterest expense to average assets2.6860%4,479
Loan and lease loss provision to assets0.0738%4,702
Net operating income to assets0.9100%2,861
Return on assets (ROA)0.9100%3,127
Pretax return on assets1.1927%2,953
Return on Equity (ROE)9.8798%2,407
Retained earnings to average equity (ytd only)7.1131%2,040
Net charge-offs to loans0.4069%2,401
Credit loss provision to net charge-offs34.1297%4,373
Earnings coverage of net charge-offs (x)5.8601%2,740
Efficiency ratio67.9575%4,129
Assets per employee ($millions)3.7683%4,389
Cash dividends to net income (ytd only)*28.0041%2,698
Condition Ratios (%)
Loss allowance to loans1.5705%3,704
Loan loss allowance to noncurrent loans91.3939%3,439
Noncurrent assets plus other real estate owned to assets0.9340%4,503
Noncurrent loans to loans1.7184%3,316
Net loans and leases to total assets51.3606%5,176
Net loans and leases to deposits63.6247%4,816
Net loans and leases to core deposits65.5668%5,047
Total domestic deposits to total assets80.7243%5,551
Equity capital to assets9.2973%5,324
Core capital (leverage) ratio8.5719%5,557
Tier 1 risk-based capital ratio14.8811%3,847
Total risk-based capital ratio16.1383%3,797
Memoranda:
Average total assets$1,084,592,330606
Average earning assets$1,016,205,000582
Average equity$99,900,670715
Average total loans$576,061,000719
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3199%4,660
Cost of funding earning assets0.6562%4,671
Net interest margin3.6636%3,989
Noninterest income to average assets0.4931%3,957
Noninterest expense to average assets2.6843%4,483
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.9441%2,724
Return on assets (ROA)0.9441%2,931
Pretax return on assets1.2411%2,762
Return on Equity (ROE)10.2999%2,303
Retained earnings to average equity (ytd only)6.7353%2,559
Net charge-offs to loans0.2597%2,634
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)8.9171%1,901
Efficiency ratio68.3826%4,098
Assets per employee ($millions)3.7333%4,575
Cash dividends to net income (ytd only)*34.6078%1,939
Condition Ratios (%)
Loss allowance to loans1.6294%3,611
Loan loss allowance to noncurrent loans85.6392%3,486
Noncurrent assets plus other real estate owned to assets1.0581%4,373
Noncurrent loans to loans1.9027%3,276
Net loans and leases to total assets52.1328%5,003
Net loans and leases to deposits63.9675%4,641
Net loans and leases to core deposits66.5596%4,850
Total domestic deposits to total assets81.4989%5,463
Equity capital to assets9.0563%5,413
Core capital (leverage) ratio8.6510%5,378
Tier 1 risk-based capital ratio14.5940%4,023
Total risk-based capital ratio15.7667%4,048
Memoranda:
Average total assets$1,074,839,000617
Average earning assets$1,006,978,000590
Average equity$98,525,500724
Average total loans$576,031,500719
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6635%4,407
Cost of funding earning assets0.8179%4,725
Net interest margin3.8456%3,593
Noninterest income to average assets0.5385%3,595
Noninterest expense to average assets2.7647%4,495
Loan and lease loss provision to assets0.3574%2,864
Net operating income to assets0.7822%3,126
Return on assets (ROA)0.9200%2,639
Pretax return on assets1.1771%2,542
Return on Equity (ROE)10.4234%1,907
Retained earnings to average equity (ytd only)8.5885%906
Net charge-offs to loans0.5456%2,830
Credit loss provision to net charge-offs116.3161%2,786
Earnings coverage of net charge-offs (x)4.4194%3,120
Efficiency ratio67.0633%4,561
Assets per employee ($millions)3.6917%4,565
Cash dividends to net income (ytd only)*17.6032%3,626
Condition Ratios (%)
Loss allowance to loans1.7157%3,142
Loan loss allowance to noncurrent loans89.4028%3,352
Noncurrent assets plus other real estate owned to assets1.0957%4,427
Noncurrent loans to loans1.9191%3,317
Net loans and leases to total assets53.2798%5,132
Net loans and leases to deposits66.4934%4,670
Net loans and leases to core deposits69.3168%4,872
Total domestic deposits to total assets80.1280%5,709
Equity capital to assets9.2807%5,171
Core capital (leverage) ratio8.5397%5,494
Tier 1 risk-based capital ratio14.5984%3,905
Total risk-based capital ratio15.8539%3,881
Memoranda:
Average total assets$1,021,329,200644
Average earning assets$951,861,400620
Average equity$90,143,400748
Average total loans$575,133,600734
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7345%4,303
Cost of funding earning assets0.8525%4,754
Net interest margin3.8820%3,471
Noninterest income to average assets0.5362%3,609
Noninterest expense to average assets2.6414%4,935
Loan and lease loss provision to assets0.4805%2,063
Net operating income to assets0.8186%3,068
Return on assets (ROA)0.8186%3,232
Pretax return on assets1.0277%3,300
Return on Equity (ROE)9.4015%2,426
Retained earnings to average equity (ytd only)7.5569%1,684
Net charge-offs to loans0.4571%2,904
Credit loss provision to net charge-offs184.9037%1,590
Earnings coverage of net charge-offs (x)5.8035%2,691
Efficiency ratio63.6537%5,131
Assets per employee ($millions)3.8370%4,220
Cash dividends to net income (ytd only)*19.6205%2,943
Condition Ratios (%)
Loss allowance to loans1.9340%2,523
Loan loss allowance to noncurrent loans100.9281%2,931
Noncurrent assets plus other real estate owned to assets1.0659%4,644
Noncurrent loans to loans1.9162%3,478
Net loans and leases to total assets51.8402%5,468
Net loans and leases to deposits68.5618%4,512
Net loans and leases to core deposits71.8152%4,739
Total domestic deposits to total assets75.6109%6,576
Equity capital to assets9.0529%5,687
Core capital (leverage) ratio8.5397%5,656
Tier 1 risk-based capital ratio14.3689%4,075
Total risk-based capital ratio15.6344%4,033
Memoranda:
Average total assets$1,012,707,750656
Average earning assets$942,649,250638
Average equity$88,182,500768
Average total loans$575,828,000743
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8496%3,869
Cost of funding earning assets0.8823%4,813
Net interest margin3.9673%3,003
Noninterest income to average assets0.5364%3,586
Noninterest expense to average assets2.6718%4,933
Loan and lease loss provision to assets0.5947%1,625
Net operating income to assets0.7684%3,210
Return on assets (ROA)0.7684%3,344
Pretax return on assets0.9474%3,440
Return on Equity (ROE)8.9529%2,537
Retained earnings to average equity (ytd only)7.0435%1,858
Net charge-offs to loans0.4782%2,666
Credit loss provision to net charge-offs213.3044%1,406
Earnings coverage of net charge-offs (x)5.5315%2,594
Efficiency ratio63.4041%5,345
Assets per employee ($millions)3.5664%4,767
Cash dividends to net income (ytd only)*21.3274%2,804
Condition Ratios (%)
Loss allowance to loans1.9125%2,631
Loan loss allowance to noncurrent loans138.2708%2,136
Noncurrent assets plus other real estate owned to assets0.8645%5,144
Noncurrent loans to loans1.3831%4,336
Net loans and leases to total assets55.6558%5,043
Net loans and leases to deposits71.8406%4,140
Net loans and leases to core deposits75.8480%4,335
Total domestic deposits to total assets77.4712%6,381
Equity capital to assets9.1715%5,319
Core capital (leverage) ratio8.4748%5,593
Tier 1 risk-based capital ratio14.0449%4,141
Total risk-based capital ratio15.3173%4,094
Memoranda:
Average total assets$992,157,000675
Average earning assets$919,670,330657
Average equity$85,156,330792
Average total loans$578,459,330748
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8822%3,680
Cost of funding earning assets0.8924%4,977
Net interest margin3.9898%2,726
Noninterest income to average assets0.5288%3,662
Noninterest expense to average assets2.6387%5,086
Loan and lease loss provision to assets0.7598%1,123
Net operating income to assets0.6828%3,595
Return on assets (ROA)0.6828%3,662
Pretax return on assets0.8116%3,858
Return on Equity (ROE)8.2418%2,808
Retained earnings to average equity (ytd only)6.2511%2,497
Net charge-offs to loans0.7172%1,783
Credit loss provision to net charge-offs179.2543%1,633
Earnings coverage of net charge-offs (x)3.7075%2,661
Efficiency ratio62.6756%5,571
Assets per employee ($millions)3.6738%4,592
Cash dividends to net income (ytd only)*24.1543%2,128
Condition Ratios (%)
Loss allowance to loans1.7586%3,141
Loan loss allowance to noncurrent loans92.0708%3,108
Noncurrent assets plus other real estate owned to assets1.1831%4,584
Noncurrent loans to loans1.9101%3,688
Net loans and leases to total assets56.4621%4,918
Net loans and leases to deposits73.3458%3,869
Net loans and leases to core deposits77.2956%4,114
Total domestic deposits to total assets76.9807%6,543
Equity capital to assets8.6184%5,753
Core capital (leverage) ratio8.4965%5,461
Tier 1 risk-based capital ratio13.7245%4,257
Total risk-based capital ratio14.9194%4,282
Memoranda:
Average total assets$987,156,000683
Average earning assets$910,822,500666
Average equity$81,778,000810
Average total loans$583,371,500745
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1167%4,020
Cost of funding earning assets1.1602%4,789
Net interest margin3.9565%3,235
Noninterest income to average assets0.5129%4,073
Noninterest expense to average assets2.5636%5,567
Loan and lease loss provision to assets0.7986%2,038
Net operating income to assets0.6599%3,389
Return on assets (ROA)0.8668%2,663
Pretax return on assets1.1084%2,541
Return on Equity (ROE)11.8097%1,362
Retained earnings to average equity (ytd only)11.8097%290
Net charge-offs to loans1.0184%2,159
Credit loss provision to net charge-offs130.9238%3,031
Earnings coverage of net charge-offs (x)2.6914%3,742
Efficiency ratio60.9610%5,900
Assets per employee ($millions)3.6245%4,643
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.5768%3,675
Loan loss allowance to noncurrent loans104.4903%2,782
Noncurrent assets plus other real estate owned to assets0.9718%5,062
Noncurrent loans to loans1.5090%4,216
Net loans and leases to total assets59.8140%4,709
Net loans and leases to deposits76.2412%3,801
Net loans and leases to core deposits80.5664%4,122
Total domestic deposits to total assets78.4537%6,227
Equity capital to assets7.9391%6,547
Core capital (leverage) ratio7.3770%6,803
Tier 1 risk-based capital ratio12.0981%5,390
Total risk-based capital ratio13.3434%5,374
Memoranda:
Average total assets$1,011,491,200662
Average earning assets$943,995,200642
Average equity$74,243,800890
Average total loans$605,850,400732
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0713%4,470
Cost of funding earning assets1.2208%4,736
Net interest margin3.8505%3,749
Noninterest income to average assets0.4494%4,565
Noninterest expense to average assets2.5155%5,655
Loan and lease loss provision to assets0.7672%1,993
Net operating income to assets0.6007%3,880
Return on assets (ROA)0.7189%3,483
Pretax return on assets0.9187%3,500
Return on Equity (ROE)9.9882%2,128
Retained earnings to average equity (ytd only)9.9882%800
Net charge-offs to loans1.2012%1,696
Credit loss provision to net charge-offs107.0089%3,994
Earnings coverage of net charge-offs (x)2.1402%4,117
Efficiency ratio62.1129%5,603
Assets per employee ($millions)3.9313%3,974
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.2815%5,057
Loan loss allowance to noncurrent loans84.5552%3,224
Noncurrent assets plus other real estate owned to assets0.9048%5,294
Noncurrent loans to loans1.5155%4,364
Net loans and leases to total assets56.9223%5,424
Net loans and leases to deposits78.5749%3,717
Net loans and leases to core deposits83.1528%4,073
Total domestic deposits to total assets72.4434%7,091
Equity capital to assets7.5811%7,074
Core capital (leverage) ratio6.9001%7,210
Tier 1 risk-based capital ratio11.0243%6,354
Total risk-based capital ratio12.2258%6,381
Memoranda:
Average total assets$1,021,521,750650
Average earning assets$955,206,750624
Average equity$73,525,250903
Average total loans$609,732,250730
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1285%4,308
Cost of funding earning assets1.3177%4,427
Net interest margin3.8108%3,847
Noninterest income to average assets0.4404%4,603
Noninterest expense to average assets2.5150%5,665
Loan and lease loss provision to assets0.8662%1,680
Net operating income to assets0.5202%4,238
Return on assets (ROA)0.5202%4,394
Pretax return on assets0.6149%4,526
Return on Equity (ROE)7.3632%3,158
Retained earnings to average equity (ytd only)7.3632%1,686
Net charge-offs to loans1.1542%1,646
Credit loss provision to net charge-offs124.2691%3,257
Earnings coverage of net charge-offs (x)2.1249%3,960
Efficiency ratio62.9351%5,534
Assets per employee ($millions)3.7863%4,249
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.3464%4,698
Loan loss allowance to noncurrent loans82.6823%3,298
Noncurrent assets plus other real estate owned to assets1.0095%5,127
Noncurrent loans to loans1.6284%4,268
Net loans and leases to total assets60.2825%5,006
Net loans and leases to deposits79.3036%3,734
Net loans and leases to core deposits84.2361%4,110
Total domestic deposits to total assets76.0149%6,688
Equity capital to assets7.4982%7,116
Core capital (leverage) ratio6.7060%7,322
Tier 1 risk-based capital ratio10.6266%6,588
Total risk-based capital ratio11.8791%6,586
Memoranda:
Average total assets$1,010,832,330653
Average earning assets$943,152,330635
Average equity$71,409,000932
Average total loans$610,472,000733
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1159%4,458
Cost of funding earning assets1.3955%4,213
Net interest margin3.7204%4,148
Noninterest income to average assets0.4211%4,729
Noninterest expense to average assets2.5020%5,722
Loan and lease loss provision to assets1.0953%1,121
Net operating income to assets0.3099%5,254
Return on assets (ROA)0.3099%5,386
Pretax return on assets0.2945%5,619
Return on Equity (ROE)4.5240%4,640
Retained earnings to average equity (ytd only)4.5240%3,439
Net charge-offs to loans1.2857%1,330
Credit loss provision to net charge-offs141.8795%2,505
Earnings coverage of net charge-offs (x)1.8003%3,659
Efficiency ratio64.2893%5,438
Assets per employee ($millions)3.9810%3,918
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.3496%4,679
Loan loss allowance to noncurrent loans76.5434%3,542
Noncurrent assets plus other real estate owned to assets1.0531%5,036
Noncurrent loans to loans1.7632%4,104
Net loans and leases to total assets58.4983%5,350
Net loans and leases to deposits77.3189%4,164
Net loans and leases to core deposits82.9242%4,356
Total domestic deposits to total assets75.6585%6,810
Equity capital to assets6.8555%7,426
Core capital (leverage) ratio6.6781%7,402
Tier 1 risk-based capital ratio10.2393%6,858
Total risk-based capital ratio11.4954%6,846
Memoranda:
Average total assets$1,014,558,500670
Average earning assets$946,456,000646
Average equity$69,496,000963
Average total loans$609,149,000756
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5924%3,647
Cost of funding earning assets1.8619%3,666
Net interest margin3.7305%3,995
Noninterest income to average assets0.5212%4,250
Noninterest expense to average assets2.7041%5,371
Loan and lease loss provision to assets0.6359%3,261
Net operating income to assets0.5559%3,501
Return on assets (ROA)0.6448%3,218
Pretax return on assets0.7730%3,331
Return on Equity (ROE)8.8967%2,060
Retained earnings to average equity (ytd only)-11.0372%6,601
Net charge-offs to loans0.7159%3,042
Credit loss provision to net charge-offs143.9448%3,324
Earnings coverage of net charge-offs (x)2.9467%3,606
Efficiency ratio67.5037%5,095
Assets per employee ($millions)3.8245%4,220
Cash dividends to net income (ytd only)*224.0587%160
Condition Ratios (%)
Loss allowance to loans1.2146%5,270
Loan loss allowance to noncurrent loans73.2456%3,753
Noncurrent assets plus other real estate owned to assets1.0456%5,006
Noncurrent loans to loans1.6583%4,158
Net loans and leases to total assets60.0631%5,324
Net loans and leases to deposits77.3705%4,490
Net loans and leases to core deposits92.8252%4,802
Total domestic deposits to total assets77.6305%6,314
Equity capital to assets6.8441%7,447
Core capital (leverage) ratio6.5206%7,482
Tier 1 risk-based capital ratio10.1961%6,688
Total risk-based capital ratio11.3588%6,748
Memoranda:
Average total assets$951,414,000702
Average earning assets$888,701,000679
Average equity$68,957,800954
Average total loans$587,114,800813
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6087%3,817
Cost of funding earning assets1.9127%3,811
Net interest margin3.6960%4,092
Noninterest income to average assets0.5232%4,293
Noninterest expense to average assets2.7171%5,253
Loan and lease loss provision to assets0.4332%3,737
Net operating income to assets0.6668%3,327
Return on assets (ROA)0.7246%3,187
Pretax return on assets0.9005%3,226
Return on Equity (ROE)9.8512%1,975
Retained earnings to average equity (ytd only)-16.6922%7,218
Net charge-offs to loans0.3194%4,040
Credit loss provision to net charge-offs218.9519%2,005
Earnings coverage of net charge-offs (x)6.3754%2,621
Efficiency ratio68.2957%4,904
Assets per employee ($millions)3.7458%4,323
Cash dividends to net income (ytd only)*269.4433%129
Condition Ratios (%)
Loss allowance to loans1.1784%5,238
Loan loss allowance to noncurrent loans57.0411%4,549
Noncurrent assets plus other real estate owned to assets1.2919%4,493
Noncurrent loans to loans2.0659%3,543
Net loans and leases to total assets60.2294%5,549
Net loans and leases to deposits81.2337%4,161
Net loans and leases to core deposits98.5076%4,551
Total domestic deposits to total assets74.1433%6,921
Equity capital to assets6.9273%7,628
Core capital (leverage) ratio6.5481%7,652
Tier 1 risk-based capital ratio10.0153%6,966
Total risk-based capital ratio11.1546%7,017
Memoranda:
Average total assets$938,762,500727
Average earning assets$877,620,000705
Average equity$69,052,500960
Average total loans$581,582,500836
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6792%3,666
Cost of funding earning assets1.9662%3,936
Net interest margin3.7130%3,899
Noninterest income to average assets0.5086%4,371
Noninterest expense to average assets2.7372%5,230
Loan and lease loss provision to assets0.3271%3,979
Net operating income to assets0.7175%3,176
Return on assets (ROA)0.8052%2,929
Pretax return on assets1.0196%2,930
Return on Equity (ROE)10.7186%1,784
Retained earnings to average equity (ytd only)-27.4585%7,646
Net charge-offs to loans0.1445%4,737
Credit loss provision to net charge-offs363.1961%1,278
Earnings coverage of net charge-offs (x)13.7191%1,715
Efficiency ratio68.8972%4,995
Assets per employee ($millions)3.6221%4,514
Cash dividends to net income (ytd only)*356.1755%106
Condition Ratios (%)
Loss allowance to loans1.1194%5,462
Loan loss allowance to noncurrent loans59.4077%4,491
Noncurrent assets plus other real estate owned to assets1.2198%4,497
Noncurrent loans to loans1.8842%3,687
Net loans and leases to total assets62.0439%5,354
Net loans and leases to deposits82.1412%4,203
Net loans and leases to core deposits98.5341%4,650
Total domestic deposits to total assets75.5332%6,653
Equity capital to assets6.9309%7,644
Core capital (leverage) ratio6.7770%7,673
Tier 1 risk-based capital ratio10.2140%6,697
Total risk-based capital ratio11.2894%6,800
Memoranda:
Average total assets$917,057,000767
Average earning assets$855,645,330740
Average equity$68,889,330968
Average total loans$571,496,670873
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6988%3,813
Cost of funding earning assets2.0490%3,882
Net interest margin3.6498%4,103
Noninterest income to average assets0.4953%4,364
Noninterest expense to average assets2.5673%5,583
Loan and lease loss provision to assets0.1994%4,445
Net operating income to assets0.8798%2,792
Return on assets (ROA)0.8798%2,934
Pretax return on assets1.1306%2,870
Return on Equity (ROE)11.2565%1,896
Retained earnings to average equity (ytd only)-56.7587%8,057
Net charge-offs to loans0.1199%4,014
Credit loss provision to net charge-offs267.8571%1,772
Earnings coverage of net charge-offs (x)17.8690%1,486
Efficiency ratio65.8747%5,351
Assets per employee ($millions)3.5917%4,584
Cash dividends to net income (ytd only)*604.2296%52
Condition Ratios (%)
Loss allowance to loans1.0247%5,992
Loan loss allowance to noncurrent loans60.8256%4,546
Noncurrent assets plus other real estate owned to assets1.0633%4,564
Noncurrent loans to loans1.6847%3,729
Net loans and leases to total assets60.8182%5,527
Net loans and leases to deposits83.3364%4,085
Net loans and leases to core deposits98.1149%4,729
Total domestic deposits to total assets72.9791%7,056
Equity capital to assets7.1196%7,613
Core capital (leverage) ratio7.0013%7,633
Tier 1 risk-based capital ratio10.5287%6,369
Total risk-based capital ratio11.5077%6,562
Memoranda:
Average total assets$902,897,500780
Average earning assets$841,579,500753
Average equity$70,572,500954
Average total loans$560,651,000898
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9709%5,698
Cost of funding earning assets2.5685%3,860
Net interest margin3.4024%5,650
Noninterest income to average assets0.5781%4,022
Noninterest expense to average assets2.4719%6,121
Loan and lease loss provision to assets0.1690%5,213
Net operating income to assets0.9123%2,952
Return on assets (ROA)0.6973%3,739
Pretax return on assets0.8265%3,972
Return on Equity (ROE)8.3809%2,900
Retained earnings to average equity (ytd only)8.3809%739
Net charge-offs to loans0.2542%3,733
Credit loss provision to net charge-offs107.0083%5,017
Earnings coverage of net charge-offs (x)7.9224%2,991
Efficiency ratio66.3885%5,040
Assets per employee ($millions)3.3813%4,990
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans1.0062%5,979
Loan loss allowance to noncurrent loans104.0472%3,340
Noncurrent assets plus other real estate owned to assets0.6145%5,360
Noncurrent loans to loans0.9670%4,663
Net loans and leases to total assets62.1447%5,605
Net loans and leases to deposits84.1757%4,401
Net loans and leases to core deposits98.7089%4,963
Total domestic deposits to total assets73.8274%6,682
Equity capital to assets8.5505%6,013
Core capital (leverage) ratio8.3692%5,819
Tier 1 risk-based capital ratio12.7145%4,282
Total risk-based capital ratio13.6836%4,385
Memoranda:
Average total assets$840,044,200805
Average earning assets$776,565,600798
Average equity$69,897,400957
Average total loans$522,069,200908