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The First National Bank and Trust Company, Performance and Condition Ratios

2025-03-31Rank
Percentage of unprofitable institutions0.0000%303
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6152%3,736
Cost of funding earning assets1.7802%2,500
Net interest margin2.8350%3,655
Noninterest income to average assets1.2200%429
Noninterest expense to average assets3.0855%1,018
Loan and lease loss provision to assets0.0100%2,596
Net operating income to assets0.5497%3,469
Return on assets (ROA)0.5497%3,483
Pretax return on assets0.6817%3,432
Return on Equity (ROE)7.4100%3,025
Retained earnings to average equity (ytd only)2.5818%3,189
Net charge-offs to loans0.0162%1,683
Credit loss provision to net charge-offs125.0000%1,126
Earnings coverage of net charge-offs (x)67.5000%868
Efficiency ratio81.2862%867
Assets per employee ($millions)6.6967%2,426
Cash dividends to net income (ytd only)*65.1380%904
Condition Ratios (%)
Loss allowance to loans1.3277%1,577
Loan loss allowance to noncurrent loans368.5457%1,430
Noncurrent assets plus other real estate owned to assets0.2314%2,365
Noncurrent loans to loans0.3602%2,219
Net loans and leases to total assets63.3700%2,569
Net loans and leases to deposits75.2491%2,461
Net loans and leases to core deposits77.8689%2,827
Total domestic deposits to total assets84.2100%2,832
Equity capital to assets7.7407%3,730
Core capital (leverage) ratio8.2747%4,190
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.7287%2,298
Memoranda:
Average total assets$1,555,016,500721
Average earning assets$1,405,697,000725
Average equity$115,422,000930
Average total loans$984,999,000781
2024-12-31Rank
Percentage of unprofitable institutions0.0000%319
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4301%3,945
Cost of funding earning assets1.8367%2,631
Net interest margin2.5934%3,784
Noninterest income to average assets1.2200%439
Noninterest expense to average assets2.8716%1,368
Loan and lease loss provision to assets0.0700%1,825
Net operating income to assets0.4932%3,489
Return on assets (ROA)0.4932%3,506
Pretax return on assets0.6223%3,422
Return on Equity (ROE)6.9000%3,049
Retained earnings to average equity (ytd only)0.6546%3,762
Net charge-offs to loans0.0082%2,620
Credit loss provision to net charge-offs1,581.2500%287
Earnings coverage of net charge-offs (x)135.8625%661
Efficiency ratio80.1086%1,038
Assets per employee ($millions)6.7952%2,303
Cash dividends to net income (ytd only)*90.5189%383
Condition Ratios (%)
Loss allowance to loans1.3264%1,566
Loan loss allowance to noncurrent loans288.1147%1,741
Noncurrent assets plus other real estate owned to assets0.2877%2,083
Noncurrent loans to loans0.4604%1,920
Net loans and leases to total assets61.6600%2,785
Net loans and leases to deposits73.6913%2,672
Net loans and leases to core deposits76.3723%3,027
Total domestic deposits to total assets83.6700%2,868
Equity capital to assets7.1131%3,929
Core capital (leverage) ratio8.1061%4,254
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.3970%2,411
Memoranda:
Average total assets$1,559,152,200712
Average earning assets$1,411,406,600714
Average equity$111,364,400927
Average total loans$979,018,200774
2024-09-30Rank
Percentage of unprofitable institutions0.0000%305
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3958%3,964
Cost of funding earning assets1.8507%2,594
Net interest margin2.5451%3,819
Noninterest income to average assets1.2200%438
Noninterest expense to average assets2.8381%1,393
Loan and lease loss provision to assets0.0200%2,606
Net operating income to assets0.5329%3,386
Return on assets (ROA)0.5329%3,409
Pretax return on assets0.6658%3,343
Return on Equity (ROE)7.4500%2,908
Retained earnings to average equity (ytd only)1.4368%3,608
Net charge-offs to loans0.0094%2,295
Credit loss provision to net charge-offs326.0870%815
Earnings coverage of net charge-offs (x)115.8116%728
Efficiency ratio80.1884%1,065
Assets per employee ($millions)6.6826%2,361
Cash dividends to net income (ytd only)*80.7210%476
Condition Ratios (%)
Loss allowance to loans1.2280%2,068
Loan loss allowance to noncurrent loans787.7618%890
Noncurrent assets plus other real estate owned to assets0.0977%3,042
Noncurrent loans to loans0.1559%2,921
Net loans and leases to total assets61.9100%2,747
Net loans and leases to deposits76.3987%2,494
Net loans and leases to core deposits79.0267%2,877
Total domestic deposits to total assets81.0400%3,301
Equity capital to assets7.7733%3,844
Core capital (leverage) ratio8.0599%4,297
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.0773%2,533
Memoranda:
Average total assets$1,554,819,750708
Average earning assets$1,409,489,750709
Average equity$111,171,250920
Average total loans$977,497,000769
2024-06-30Rank
Percentage of unprofitable institutions0.0000%306
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3305%3,993
Cost of funding earning assets1.8160%2,582
Net interest margin2.5144%3,858
Noninterest income to average assets1.2200%448
Noninterest expense to average assets2.8360%1,389
Loan and lease loss provision to assets0.0400%2,101
Net operating income to assets0.5097%3,409
Return on assets (ROA)0.5097%3,439
Pretax return on assets0.6252%3,394
Return on Equity (ROE)7.3400%2,922
Retained earnings to average equity (ytd only)1.0157%3,598
Net charge-offs to loans0.0090%2,070
Credit loss provision to net charge-offs511.3636%621
Earnings coverage of net charge-offs (x)116.5455%709
Efficiency ratio80.7356%1,071
Assets per employee ($millions)6.6079%2,335
Cash dividends to net income (ytd only)*86.1694%544
Condition Ratios (%)
Loss allowance to loans1.2198%2,142
Loan loss allowance to noncurrent loans624.0041%1,092
Noncurrent assets plus other real estate owned to assets0.1250%2,822
Noncurrent loans to loans0.1955%2,716
Net loans and leases to total assets63.1700%2,630
Net loans and leases to deposits80.3249%2,185
Net loans and leases to core deposits83.2240%2,586
Total domestic deposits to total assets78.6400%3,633
Equity capital to assets6.9813%3,948
Core capital (leverage) ratio8.1461%4,281
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.4888%2,692
Memoranda:
Average total assets$1,551,850,333715
Average earning assets$1,405,254,000714
Average equity$107,710,333940
Average total loans$976,597,333769
2024-03-31Rank
Percentage of unprofitable institutions0.0000%11
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2482%4,019
Cost of funding earning assets1.7670%2,597
Net interest margin2.4812%3,891
Noninterest income to average assets1.1900%436
Noninterest expense to average assets2.8459%1,351
Loan and lease loss provision to assets0.0000%2,519
Net operating income to assets0.4832%3,438
Return on assets (ROA)0.4832%3,462
Pretax return on assets0.5913%3,407
Return on Equity (ROE)6.9800%2,963
Retained earnings to average equity (ytd only)0.4684%3,600
Net charge-offs to loans0.0338%1,221
Credit loss provision to net charge-offs0.0000%1,619
Earnings coverage of net charge-offs (x)28.0244%1,194
Efficiency ratio82.4238%1,013
Assets per employee ($millions)6.5685%2,399
Cash dividends to net income (ytd only)*93.2907%581
Condition Ratios (%)
Loss allowance to loans1.2090%2,238
Loan loss allowance to noncurrent loans439.1143%1,480
Noncurrent assets plus other real estate owned to assets0.1748%2,485
Noncurrent loans to loans0.2753%2,327
Net loans and leases to total assets62.7300%2,593
Net loans and leases to deposits78.7982%2,161
Net loans and leases to core deposits81.2973%2,631
Total domestic deposits to total assets79.6100%3,587
Equity capital to assets6.9287%3,928
Core capital (leverage) ratio8.1298%4,282
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6138%2,687
Memoranda:
Average total assets$1,554,651,000719
Average earning assets$1,408,971,000718
Average equity$107,591,500939
Average total loans$970,472,500772
2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0711%3,851
Cost of funding earning assets1.4302%2,148
Net interest margin2.6410%3,912
Noninterest income to average assets1.0700%571
Noninterest expense to average assets2.8972%1,273
Loan and lease loss provision to assets-0.0100%4,255
Net operating income to assets0.2284%4,129
Return on assets (ROA)0.2284%4,141
Pretax return on assets0.5540%3,713
Return on Equity (ROE)3.5000%3,955
Retained earnings to average equity (ytd only)-2.1388%4,278
Net charge-offs to loans0.0038%2,606
Credit loss provision to net charge-offs-233.3333%4,508
Earnings coverage of net charge-offs (x)236.4167%519
Efficiency ratio83.7065%675
Assets per employee ($millions)6.7365%2,246
Cash dividends to net income (ytd only)*161.1738%90
Condition Ratios (%)
Loss allowance to loans1.2312%2,106
Loan loss allowance to noncurrent loans860.3186%1,002
Noncurrent assets plus other real estate owned to assets0.0880%2,943
Noncurrent loans to loans0.1431%2,798
Net loans and leases to total assets60.7200%2,783
Net loans and leases to deposits75.8412%2,471
Net loans and leases to core deposits77.9917%2,835
Total domestic deposits to total assets80.0700%3,450
Equity capital to assets6.7548%4,030
Core capital (leverage) ratio8.1066%4,308
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.9089%2,611
Memoranda:
Average total assets$1,551,377,400697
Average earning assets$1,396,842,800702
Average equity$101,364,400933
Average total loans$938,603,600763
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9942%3,852
Cost of funding earning assets1.3486%2,007
Net interest margin2.6457%3,955
Noninterest income to average assets1.0700%575
Noninterest expense to average assets2.8453%1,331
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.4605%3,848
Return on assets (ROA)0.4605%3,847
Pretax return on assets0.6061%3,723
Return on Equity (ROE)7.1100%3,400
Retained earnings to average equity (ytd only)0.7531%3,996
Net charge-offs to loans0.0017%2,525
Credit loss provision to net charge-offs25.0000%1,992
Earnings coverage of net charge-offs (x)586.2500%266
Efficiency ratio82.0597%728
Assets per employee ($millions)6.2223%2,546
Cash dividends to net income (ytd only)*89.4047%329
Condition Ratios (%)
Loss allowance to loans1.2542%2,082
Loan loss allowance to noncurrent loans19,034.9206%77
Noncurrent assets plus other real estate owned to assets0.0041%3,834
Noncurrent loans to loans0.0066%3,761
Net loans and leases to total assets61.1800%2,733
Net loans and leases to deposits76.0070%2,414
Net loans and leases to core deposits77.9600%2,744
Total domestic deposits to total assets80.5000%3,458
Equity capital to assets6.0986%3,954
Core capital (leverage) ratio8.2171%4,298
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.8840%2,643
Memoranda:
Average total assets$1,546,817,750701
Average earning assets$1,391,367,000707
Average equity$100,199,250938
Average total loans$932,003,250771
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8945%3,879
Cost of funding earning assets1.2303%1,901
Net interest margin2.6642%4,018
Noninterest income to average assets1.0600%521
Noninterest expense to average assets2.8880%1,234
Loan and lease loss provision to assets-0.0200%4,411
Net operating income to assets0.4488%3,915
Return on assets (ROA)0.4488%3,923
Pretax return on assets0.5918%3,818
Return on Equity (ROE)6.8000%3,521
Retained earnings to average equity (ytd only)0.5987%3,970
Net charge-offs to loans0.0084%1,891
Credit loss provision to net charge-offs-392.3077%4,588
Earnings coverage of net charge-offs (x)113.5385%874
Efficiency ratio83.0969%650
Assets per employee ($millions)6.0123%2,698
Cash dividends to net income (ytd only)*91.1917%411
Condition Ratios (%)
Loss allowance to loans1.2473%2,183
Loan loss allowance to noncurrent loans26,242.2222%64
Noncurrent assets plus other real estate owned to assets0.0029%3,861
Noncurrent loans to loans0.0048%3,777
Net loans and leases to total assets60.0400%2,767
Net loans and leases to deposits74.7811%2,419
Net loans and leases to core deposits76.6534%2,715
Total domestic deposits to total assets80.2900%3,532
Equity capital to assets6.6039%3,950
Core capital (leverage) ratio8.2186%4,302
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6781%2,713
Memoranda:
Average total assets$1,548,045,000689
Average earning assets$1,392,156,667698
Average equity$102,229,333922
Average total loans$923,966,000766
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7966%3,862
Cost of funding earning assets1.0810%1,804
Net interest margin2.7156%4,052
Noninterest income to average assets1.0700%522
Noninterest expense to average assets2.9184%1,201
Loan and lease loss provision to assets0.0500%1,764
Net operating income to assets0.4118%4,069
Return on assets (ROA)0.4118%4,015
Pretax return on assets0.5412%3,933
Return on Equity (ROE)6.2500%3,666
Retained earnings to average equity (ytd only)0.8694%3,888
Net charge-offs to loans0.0057%1,754
Credit loss provision to net charge-offs1,423.0769%289
Earnings coverage of net charge-offs (x)174.8462%554
Efficiency ratio82.8346%656
Assets per employee ($millions)5.9938%2,766
Cash dividends to net income (ytd only)*86.0919%571
Condition Ratios (%)
Loss allowance to loans1.3922%1,651
Loan loss allowance to noncurrent loans18,362.3188%107
Noncurrent assets plus other real estate owned to assets0.0045%3,861
Noncurrent loans to loans0.0076%3,781
Net loans and leases to total assets58.0300%2,867
Net loans and leases to deposits69.2800%2,675
Net loans and leases to core deposits70.9302%2,886
Total domestic deposits to total assets83.7600%3,136
Equity capital to assets6.6991%3,964
Core capital (leverage) ratio8.3024%4,280
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.7613%2,798
Memoranda:
Average total assets$1,543,296,500706
Average earning assets$1,387,985,000709
Average equity$101,683,000935
Average total loans$912,549,500783
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2555%3,697
Cost of funding earning assets0.3441%2,526
Net interest margin2.9113%3,654
Noninterest income to average assets1.0300%608
Noninterest expense to average assets2.8228%1,272
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.6862%3,655
Return on assets (ROA)0.2055%4,423
Pretax return on assets0.2550%4,404
Return on Equity (ROE)2.8100%4,314
Retained earnings to average equity (ytd only)1.2180%4,155
Net charge-offs to loans0.0229%1,604
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)64.6305%1,202
Efficiency ratio76.5387%962
Assets per employee ($millions)5.9698%2,796
Cash dividends to net income (ytd only)*56.6394%1,098
Condition Ratios (%)
Loss allowance to loans1.1842%2,467
Loan loss allowance to noncurrent loans5,209.6154%282
Noncurrent assets plus other real estate owned to assets0.0135%3,735
Noncurrent loans to loans0.0227%3,636
Net loans and leases to total assets58.7100%2,761
Net loans and leases to deposits67.9883%2,731
Net loans and leases to core deposits69.3054%2,924
Total domestic deposits to total assets86.3500%2,621
Equity capital to assets6.4778%3,908
Core capital (leverage) ratio8.2565%4,281
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.3428%2,904
Memoranda:
Average total assets$1,546,337,800686
Average earning assets$1,400,937,800690
Average equity$113,140,200861
Average total loans$886,230,000758
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0803%3,719
Cost of funding earning assets0.2164%3,076
Net interest margin2.8639%3,584
Noninterest income to average assets1.0800%595
Noninterest expense to average assets2.6832%1,510
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.8304%3,129
Return on assets (ROA)0.1743%4,466
Pretax return on assets0.2107%4,453
Return on Equity (ROE)2.3200%4,372
Retained earnings to average equity (ytd only)0.2553%4,302
Net charge-offs to loans0.0070%1,893
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)252.6957%534
Efficiency ratio72.4763%1,447
Assets per employee ($millions)5.9959%2,764
Cash dividends to net income (ytd only)*88.9768%304
Condition Ratios (%)
Loss allowance to loans1.2197%2,423
Loan loss allowance to noncurrent loans4,260.8527%306
Noncurrent assets plus other real estate owned to assets0.0165%3,794
Noncurrent loans to loans0.0286%3,695
Net loans and leases to total assets57.1100%2,786
Net loans and leases to deposits66.9174%2,637
Net loans and leases to core deposits67.9802%2,805
Total domestic deposits to total assets85.3400%3,208
Equity capital to assets6.3282%3,831
Core capital (leverage) ratio8.0774%4,350
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.0987%3,025
Memoranda:
Average total assets$1,547,872,250691
Average earning assets$1,406,322,000692
Average equity$116,482,500851
Average total loans$879,030,750762
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8813%3,828
Cost of funding earning assets0.1267%3,884
Net interest margin2.7546%3,564
Noninterest income to average assets1.1620%505
Noninterest expense to average assets2.6962%1,401
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.8039%2,942
Return on assets (ROA)-0.1350%4,595
Pretax return on assets-0.2164%4,601
Return on Equity (ROE)-1.7023%4,606
Retained earnings to average equity (ytd only)-4.6428%4,526
Net charge-offs to loans0.0099%1,619
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)174.5349%586
Efficiency ratio73.1481%1,602
Assets per employee ($millions)5.7355%2,991
Cash dividends to net income (ytd only)*-172.7447%4,759
Condition Ratios (%)
Loss allowance to loans1.2285%2,544
Loan loss allowance to noncurrent loans1,479.9462%691
Noncurrent assets plus other real estate owned to assets0.0482%3,506
Noncurrent loans to loans0.0830%3,368
Net loans and leases to total assets57.2996%2,600
Net loans and leases to deposits64.8817%2,651
Net loans and leases to core deposits65.8273%2,836
Total domestic deposits to total assets88.3139%2,453
Equity capital to assets6.8953%3,823
Core capital (leverage) ratio8.0096%4,330
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio11.6391%2,901
Memoranda:
Average total assets$1,544,184,000682
Average earning assets$1,404,945,000690
Average equity$122,425,667817
Average total loans$871,622,000753
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7737%3,794
Cost of funding earning assets0.0975%4,161
Net interest margin2.6762%3,458
Noninterest income to average assets1.0877%571
Noninterest expense to average assets2.6206%1,550
Loan and lease loss provision to assets0.0388%1,663
Net operating income to assets0.6592%3,198
Return on assets (ROA)0.6103%3,343
Pretax return on assets0.8120%3,076
Return on Equity (ROE)7.2275%2,970
Retained earnings to average equity (ytd only)7.2275%1,824
Net charge-offs to loans0.0070%1,500
Credit loss provision to net charge-offs1,000.0000%327
Earnings coverage of net charge-offs (x)235.0000%388
Efficiency ratio73.8018%1,763
Assets per employee ($millions)5.8270%2,971
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans1.2741%2,480
Loan loss allowance to noncurrent loans2,464.8230%462
Noncurrent assets plus other real estate owned to assets0.0293%3,749
Noncurrent loans to loans0.0517%3,610
Net loans and leases to total assets55.9084%2,537
Net loans and leases to deposits62.4479%2,679
Net loans and leases to core deposits63.3753%2,851
Total domestic deposits to total assets89.5281%1,800
Equity capital to assets7.8206%3,708
Core capital (leverage) ratio8.0852%4,249
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7584%2,322
Memoranda:
Average total assets$1,544,854,000682
Average earning assets$1,411,680,500690
Average equity$130,447,000788
Average total loans$859,913,500754
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9397%3,980
Cost of funding earning assets0.1512%3,964
Net interest margin2.7885%3,690
Noninterest income to average assets1.2025%729
Noninterest expense to average assets2.9013%1,150
Loan and lease loss provision to assets0.0202%2,665
Net operating income to assets0.6278%3,818
Return on assets (ROA)0.6906%3,708
Pretax return on assets0.9139%3,478
Return on Equity (ROE)7.2283%3,451
Retained earnings to average equity (ytd only)1.3529%4,160
Net charge-offs to loans0.0028%2,518
Credit loss provision to net charge-offs1,250.0000%447
Earnings coverage of net charge-offs (x)528.6250%264
Efficiency ratio76.8902%1,037
Assets per employee ($millions)5.6822%3,082
Cash dividends to net income (ytd only)*81.2835%479
Condition Ratios (%)
Loss allowance to loans1.3058%2,329
Loan loss allowance to noncurrent loans1,165.6811%785
Noncurrent assets plus other real estate owned to assets0.0613%3,553
Noncurrent loans to loans0.1120%3,367
Net loans and leases to total assets53.9829%2,856
Net loans and leases to deposits61.2501%2,963
Net loans and leases to core deposits62.2196%3,142
Total domestic deposits to total assets88.1353%1,971
Equity capital to assets9.0668%3,550
Core capital (leverage) ratio7.9308%4,407
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,484,630,200692
Average earning assets$1,359,392,200691
Average equity$141,845,400750
Average total loans$849,650,600763
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9878%4,026
Cost of funding earning assets0.1673%3,951
Net interest margin2.8205%3,733
Noninterest income to average assets1.2172%771
Noninterest expense to average assets2.8483%1,220
Loan and lease loss provision to assets0.0272%2,448
Net operating income to assets0.6901%3,790
Return on assets (ROA)0.7747%3,652
Pretax return on assets1.0297%3,376
Return on Equity (ROE)8.0013%3,404
Retained earnings to average equity (ytd only)6.5169%2,612
Net charge-offs to loans0.0017%2,346
Credit loss provision to net charge-offs2,727.2727%254
Earnings coverage of net charge-offs (x)951.5455%171
Efficiency ratio74.6375%1,160
Assets per employee ($millions)5.4628%3,232
Cash dividends to net income (ytd only)*18.5524%2,616
Condition Ratios (%)
Loss allowance to loans1.3634%2,165
Loan loss allowance to noncurrent loans1,524.4138%577
Noncurrent assets plus other real estate owned to assets0.0461%3,843
Noncurrent loans to loans0.0894%3,634
Net loans and leases to total assets50.8201%3,313
Net loans and leases to deposits57.9367%3,411
Net loans and leases to core deposits59.3393%3,527
Total domestic deposits to total assets87.7165%1,999
Equity capital to assets9.4169%3,452
Core capital (leverage) ratio8.6729%3,874
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,469,397,250704
Average earning assets$1,344,562,500703
Average equity$142,273,500764
Average total loans$850,718,750778
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0405%3,971
Cost of funding earning assets0.1900%3,856
Net interest margin2.8506%3,679
Noninterest income to average assets1.2625%732
Noninterest expense to average assets2.8200%1,314
Loan and lease loss provision to assets0.0418%2,174
Net operating income to assets0.7568%3,625
Return on assets (ROA)0.7565%3,695
Pretax return on assets1.0046%3,439
Return on Equity (ROE)7.7356%3,480
Retained earnings to average equity (ytd only)5.4778%3,005
Net charge-offs to loans-0.0014%3,127
Credit loss provision to net charge-offs-5,000.0000%3,980
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.5703%1,373
Assets per employee ($millions)4.9112%3,738
Cash dividends to net income (ytd only)*29.1874%2,089
Condition Ratios (%)
Loss allowance to loans1.3140%2,372
Loan loss allowance to noncurrent loans1,915.0519%434
Noncurrent assets plus other real estate owned to assets0.0400%3,983
Noncurrent loans to loans0.0686%3,849
Net loans and leases to total assets57.5751%2,719
Net loans and leases to deposits65.0674%2,892
Net loans and leases to core deposits66.2393%3,092
Total domestic deposits to total assets88.4854%1,570
Equity capital to assets9.8291%3,026
Core capital (leverage) ratio8.3591%4,119
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,434,767,667714
Average earning assets$1,310,826,000717
Average equity$140,313,000767
Average total loans$864,092,667766
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0530%3,983
Cost of funding earning assets0.2112%3,815
Net interest margin2.8418%3,661
Noninterest income to average assets1.2672%785
Noninterest expense to average assets2.7960%1,380
Loan and lease loss provision to assets0.0420%2,225
Net operating income to assets0.7654%3,529
Return on assets (ROA)0.7672%3,597
Pretax return on assets1.0250%3,306
Return on Equity (ROE)7.8648%3,368
Retained earnings to average equity (ytd only)6.0756%2,865
Net charge-offs to loans-0.0055%3,427
Credit loss provision to net charge-offs-1,250.0000%3,414
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.0588%1,490
Assets per employee ($millions)4.9402%3,723
Cash dividends to net income (ytd only)*22.7488%1,919
Condition Ratios (%)
Loss allowance to loans1.2532%2,649
Loan loss allowance to noncurrent loans717.3342%883
Noncurrent assets plus other real estate owned to assets0.1052%3,656
Noncurrent loans to loans0.1747%3,486
Net loans and leases to total assets59.4717%2,607
Net loans and leases to deposits67.4077%2,764
Net loans and leases to core deposits68.9423%2,970
Total domestic deposits to total assets88.2269%1,726
Equity capital to assets9.5312%3,164
Core capital (leverage) ratio8.4157%4,206
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,430,198,500710
Average earning assets$1,305,227,000712
Average equity$139,508,000765
Average total loans$874,939,000755
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5822%3,849
Cost of funding earning assets0.3773%3,726
Net interest margin3.2048%3,347
Noninterest income to average assets1.2755%699
Noninterest expense to average assets3.1275%1,180
Loan and lease loss provision to assets0.1136%2,926
Net operating income to assets0.7430%3,286
Return on assets (ROA)0.7430%3,413
Pretax return on assets0.9587%3,185
Return on Equity (ROE)6.8137%3,277
Retained earnings to average equity (ytd only)3.3826%3,129
Net charge-offs to loans0.0303%2,423
Credit loss provision to net charge-offs545.0758%1,186
Earnings coverage of net charge-offs (x)51.4583%1,171
Efficiency ratio74.0936%1,431
Assets per employee ($millions)4.8223%3,582
Cash dividends to net income (ytd only)*50.3559%1,814
Condition Ratios (%)
Loss allowance to loans1.2257%2,814
Loan loss allowance to noncurrent loans494.6232%1,144
Noncurrent assets plus other real estate owned to assets0.1643%3,450
Noncurrent loans to loans0.2478%3,308
Net loans and leases to total assets61.3871%2,676
Net loans and leases to deposits69.3978%2,947
Net loans and leases to core deposits71.3945%3,139
Total domestic deposits to total assets88.4569%1,252
Equity capital to assets9.9832%3,146
Core capital (leverage) ratio8.7915%3,912
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,266,909,000720
Average earning assets$1,155,978,800724
Average equity$138,147,600731
Average total loans$870,441,600738
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5615%4,105
Cost of funding earning assets0.4232%3,681
Net interest margin3.1382%3,652
Noninterest income to average assets1.3112%631
Noninterest expense to average assets3.1767%1,107
Loan and lease loss provision to assets0.1402%2,616
Net operating income to assets0.6742%3,546
Return on assets (ROA)0.6742%3,658
Pretax return on assets0.8612%3,487
Return on Equity (ROE)6.0368%3,541
Retained earnings to average equity (ytd only)2.3926%3,790
Net charge-offs to loans0.0348%2,137
Credit loss provision to net charge-offs570.0441%1,192
Earnings coverage of net charge-offs (x)40.7093%1,349
Efficiency ratio75.6458%1,237
Assets per employee ($millions)4.4067%3,950
Cash dividends to net income (ytd only)*60.3664%1,126
Condition Ratios (%)
Loss allowance to loans1.1752%2,806
Loan loss allowance to noncurrent loans269.0657%1,766
Noncurrent assets plus other real estate owned to assets0.3147%2,895
Noncurrent loans to loans0.4368%2,751
Net loans and leases to total assets68.6943%2,152
Net loans and leases to deposits78.1480%2,519
Net loans and leases to core deposits80.8710%2,766
Total domestic deposits to total assets87.9027%1,260
Equity capital to assets10.6592%2,662
Core capital (leverage) ratio8.7460%4,014
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,230,404,000725
Average earning assets$1,124,008,250728
Average equity$137,420,750723
Average total loans$868,522,250733
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7091%4,069
Cost of funding earning assets0.4783%3,667
Net interest margin3.2308%3,576
Noninterest income to average assets1.3019%601
Noninterest expense to average assets3.2766%1,033
Loan and lease loss provision to assets0.1380%2,641
Net operating income to assets0.6610%3,547
Return on assets (ROA)0.6610%3,636
Pretax return on assets0.8387%3,481
Return on Equity (ROE)5.8225%3,573
Retained earnings to average equity (ytd only)3.2101%3,301
Net charge-offs to loans0.0273%2,173
Credit loss provision to net charge-offs711.1111%994
Earnings coverage of net charge-offs (x)50.3248%1,101
Efficiency ratio76.6516%1,198
Assets per employee ($millions)4.4050%3,909
Cash dividends to net income (ytd only)*44.8683%1,735
Condition Ratios (%)
Loss allowance to loans1.1378%2,839
Loan loss allowance to noncurrent loans310.7994%1,501
Noncurrent assets plus other real estate owned to assets0.2690%3,243
Noncurrent loans to loans0.3661%3,096
Net loans and leases to total assets69.5991%2,092
Net loans and leases to deposits79.4690%2,493
Net loans and leases to core deposits82.8048%2,714
Total domestic deposits to total assets87.5801%1,388
Equity capital to assets10.7807%2,506
Core capital (leverage) ratio9.2890%3,593
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,205,746,333729
Average earning assets$1,101,463,667730
Average equity$136,882,333718
Average total loans$855,800,667728
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0243%3,723
Cost of funding earning assets0.5789%3,539
Net interest margin3.4454%3,162
Noninterest income to average assets1.2067%601
Noninterest expense to average assets3.5402%877
Loan and lease loss provision to assets0.1222%2,172
Net operating income to assets0.5454%3,761
Return on assets (ROA)0.5454%3,822
Pretax return on assets0.6754%3,757
Return on Equity (ROE)4.6739%3,758
Retained earnings to average equity (ytd only)2.0972%3,412
Net charge-offs to loans0.0366%1,687
Credit loss provision to net charge-offs468.4211%918
Earnings coverage of net charge-offs (x)30.5789%1,173
Efficiency ratio81.2169%1,024
Assets per employee ($millions)4.0168%3,895
Cash dividends to net income (ytd only)*55.1290%1,502
Condition Ratios (%)
Loss allowance to loans1.1833%2,758
Loan loss allowance to noncurrent loans394.2469%1,198
Noncurrent assets plus other real estate owned to assets0.2281%3,556
Noncurrent loans to loans0.3001%3,427
Net loans and leases to total assets70.9870%2,094
Net loans and leases to deposits82.2780%2,422
Net loans and leases to core deposits86.3349%2,651
Total domestic deposits to total assets86.2770%1,883
Equity capital to assets11.7633%2,241
Core capital (leverage) ratio9.7101%3,756
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$1,165,484,500720
Average earning assets$1,059,166,000725
Average equity$135,989,000718
Average total loans$830,933,500723
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2305%3,729
Cost of funding earning assets0.6415%3,450
Net interest margin3.5890%3,165
Noninterest income to average assets1.2136%640
Noninterest expense to average assets3.5071%955
Loan and lease loss provision to assets0.0686%2,641
Net operating income to assets0.7244%3,785
Return on assets (ROA)0.8430%3,498
Pretax return on assets1.0633%3,291
Return on Equity (ROE)7.2239%3,475
Retained earnings to average equity (ytd only)1.7733%4,098
Net charge-offs to loans0.0344%2,698
Credit loss provision to net charge-offs278.2143%1,014
Earnings coverage of net charge-offs (x)39.7964%1,319
Efficiency ratio77.4901%1,206
Assets per employee ($millions)4.1790%3,656
Cash dividends to net income (ytd only)*75.4520%936
Condition Ratios (%)
Loss allowance to loans1.1581%2,654
Loan loss allowance to noncurrent loans363.5950%1,293
Noncurrent assets plus other real estate owned to assets0.2378%3,493
Noncurrent loans to loans0.3185%3,296
Net loans and leases to total assets69.9380%2,405
Net loans and leases to deposits81.8621%2,574
Net loans and leases to core deposits85.8048%2,802
Total domestic deposits to total assets85.4340%2,329
Equity capital to assets11.5735%2,467
Core capital (leverage) ratio9.8592%3,663
Tier 1 risk-based capital ratio12.4400%4,110
Total risk-based capital ratio13.5280%4,069
Memoranda:
Average total assets$1,135,060,400697
Average earning assets$1,035,840,000707
Average equity$132,462,600695
Average total loans$814,585,400702
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2756%3,733
Cost of funding earning assets0.6599%3,397
Net interest margin3.6157%3,211
Noninterest income to average assets1.1979%640
Noninterest expense to average assets3.5998%850
Loan and lease loss provision to assets0.0884%2,133
Net operating income to assets0.6570%4,144
Return on assets (ROA)0.8205%3,689
Pretax return on assets1.0179%3,534
Return on Equity (ROE)7.0156%3,673
Retained earnings to average equity (ytd only)0.0111%4,754
Net charge-offs to loans0.0340%2,392
Credit loss provision to net charge-offs360.8696%833
Earnings coverage of net charge-offs (x)36.9135%1,438
Efficiency ratio79.2300%990
Assets per employee ($millions)4.1226%3,726
Cash dividends to net income (ytd only)*99.8414%321
Condition Ratios (%)
Loss allowance to loans1.1796%2,618
Loan loss allowance to noncurrent loans487.7406%1,001
Noncurrent assets plus other real estate owned to assets0.1767%3,866
Noncurrent loans to loans0.2418%3,677
Net loans and leases to total assets72.1965%2,149
Net loans and leases to deposits84.0923%2,443
Net loans and leases to core deposits88.3817%2,697
Total domestic deposits to total assets85.8539%2,056
Equity capital to assets11.9360%2,306
Core capital (leverage) ratio9.8305%3,807
Tier 1 risk-based capital ratio12.9951%3,850
Total risk-based capital ratio14.1618%3,792
Memoranda:
Average total assets$1,126,297,250704
Average earning assets$1,029,974,000707
Average equity$131,722,500694
Average total loans$811,246,250708
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2638%3,746
Cost of funding earning assets0.6577%3,367
Net interest margin3.6061%3,235
Noninterest income to average assets1.1221%673
Noninterest expense to average assets3.5621%888
Loan and lease loss provision to assets0.1057%1,771
Net operating income to assets0.6248%4,237
Return on assets (ROA)0.6847%4,106
Pretax return on assets0.8237%4,038
Return on Equity (ROE)5.8942%4,077
Retained earnings to average equity (ytd only)-2.6437%4,953
Net charge-offs to loans0.0405%2,083
Credit loss provision to net charge-offs364.0244%784
Earnings coverage of net charge-offs (x)29.5183%1,476
Efficiency ratio79.9038%976
Assets per employee ($millions)3.9360%3,957
Cash dividends to net income (ytd only)*144.8526%159
Condition Ratios (%)
Loss allowance to loans1.1755%2,647
Loan loss allowance to noncurrent loans415.2202%1,170
Noncurrent assets plus other real estate owned to assets0.2088%3,743
Noncurrent loans to loans0.2831%3,524
Net loans and leases to total assets72.8912%2,080
Net loans and leases to deposits84.7911%2,396
Net loans and leases to core deposits88.3375%2,761
Total domestic deposits to total assets85.9656%2,052
Equity capital to assets12.0475%2,150
Core capital (leverage) ratio9.7289%3,903
Tier 1 risk-based capital ratio12.7114%4,004
Total risk-based capital ratio13.8599%3,958
Memoranda:
Average total assets$1,129,319,670698
Average earning assets$1,032,640,670703
Average equity$131,179,000694
Average total loans$809,585,330708
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2422%3,740
Cost of funding earning assets0.6635%3,243
Net interest margin3.5787%3,334
Noninterest income to average assets1.0607%714
Noninterest expense to average assets3.5514%904
Loan and lease loss provision to assets0.1233%1,422
Net operating income to assets0.5925%4,270
Return on assets (ROA)0.5925%4,301
Pretax return on assets0.6554%4,406
Return on Equity (ROE)5.1938%4,270
Retained earnings to average equity (ytd only)-8.2806%5,043
Net charge-offs to loans0.0222%2,004
Credit loss provision to net charge-offs784.4444%449
Earnings coverage of net charge-offs (x)49.5333%1,036
Efficiency ratio81.3135%945
Assets per employee ($millions)4.0016%3,922
Cash dividends to net income (ytd only)*259.4340%111
Condition Ratios (%)
Loss allowance to loans1.1520%2,835
Loan loss allowance to noncurrent loans547.2335%973
Noncurrent assets plus other real estate owned to assets0.1511%4,051
Noncurrent loans to loans0.2105%3,831
Net loans and leases to total assets70.9439%2,336
Net loans and leases to deposits82.3596%2,577
Net loans and leases to core deposits85.5529%2,904
Total domestic deposits to total assets86.1392%2,210
Equity capital to assets11.4553%2,437
Core capital (leverage) ratio9.3219%4,344
Tier 1 risk-based capital ratio12.3343%4,280
Total risk-based capital ratio13.4465%4,230
Memoranda:
Average total assets$1,144,904,000695
Average earning assets$1,045,960,000699
Average equity$130,618,500695
Average total loans$809,390,000712
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0997%3,743
Cost of funding earning assets0.4790%3,493
Net interest margin3.6207%3,308
Noninterest income to average assets1.0994%768
Noninterest expense to average assets3.4654%1,043
Loan and lease loss provision to assets0.0183%3,793
Net operating income to assets0.7869%3,851
Return on assets (ROA)0.8116%3,761
Pretax return on assets0.9436%3,779
Return on Equity (ROE)7.0855%3,791
Retained earnings to average equity (ytd only)2.6795%4,063
Net charge-offs to loans-0.0322%4,837
Credit loss provision to net charge-offs-80.7843%4,374
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.0791%1,124
Assets per employee ($millions)3.9364%3,985
Cash dividends to net income (ytd only)*62.1838%1,399
Condition Ratios (%)
Loss allowance to loans1.1316%2,919
Loan loss allowance to noncurrent loans637.7544%886
Noncurrent assets plus other real estate owned to assets0.1436%4,109
Noncurrent loans to loans0.1774%3,960
Net loans and leases to total assets68.8471%2,757
Net loans and leases to deposits80.2011%2,932
Net loans and leases to core deposits82.8082%3,198
Total domestic deposits to total assets85.8431%2,305
Equity capital to assets11.3628%2,357
Core capital (leverage) ratio9.7119%3,893
Tier 1 risk-based capital ratio12.7111%4,007
Total risk-based capital ratio13.7930%3,986
Memoranda:
Average total assets$1,125,060,400684
Average earning assets$1,025,148,600689
Average equity$128,869,600672
Average total loans$792,401,400708
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0537%3,778
Cost of funding earning assets0.4544%3,498
Net interest margin3.5993%3,369
Noninterest income to average assets1.1253%737
Noninterest expense to average assets3.3635%1,170
Loan and lease loss provision to assets0.0221%3,578
Net operating income to assets0.8541%3,720
Return on assets (ROA)0.8771%3,637
Pretax return on assets1.0514%3,573
Return on Equity (ROE)7.6419%3,689
Retained earnings to average equity (ytd only)2.7897%4,320
Net charge-offs to loans-0.0680%5,044
Credit loss provision to net charge-offs-45.9057%4,155
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5782%1,400
Assets per employee ($millions)3.8443%4,112
Cash dividends to net income (ytd only)*63.4942%1,062
Condition Ratios (%)
Loss allowance to loans1.1395%2,966
Loan loss allowance to noncurrent loans764.7303%746
Noncurrent assets plus other real estate owned to assets0.1473%4,209
Noncurrent loans to loans0.1490%4,220
Net loans and leases to total assets71.4625%2,415
Net loans and leases to deposits83.5401%2,651
Net loans and leases to core deposits86.4823%2,958
Total domestic deposits to total assets85.5427%2,376
Equity capital to assets11.5016%2,261
Core capital (leverage) ratio9.6917%3,949
Tier 1 risk-based capital ratio12.6287%4,139
Total risk-based capital ratio13.7282%4,099
Memoranda:
Average total assets$1,117,987,750684
Average earning assets$1,019,981,750689
Average equity$128,323,750668
Average total loans$789,717,500709
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9838%3,830
Cost of funding earning assets0.4212%3,563
Net interest margin3.5626%3,429
Noninterest income to average assets1.1409%743
Noninterest expense to average assets3.3351%1,241
Loan and lease loss provision to assets0.0259%3,398
Net operating income to assets0.8640%3,611
Return on assets (ROA)0.8812%3,544
Pretax return on assets1.0510%3,512
Return on Equity (ROE)7.6828%3,634
Retained earnings to average equity (ytd only)2.4569%4,280
Net charge-offs to loans-0.1116%5,201
Credit loss provision to net charge-offs-33.1808%3,983
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.2353%1,527
Assets per employee ($millions)3.8436%4,140
Cash dividends to net income (ytd only)*68.0203%1,049
Condition Ratios (%)
Loss allowance to loans1.1671%2,897
Loan loss allowance to noncurrent loans988.0901%606
Noncurrent assets plus other real estate owned to assets0.1515%4,232
Noncurrent loans to loans0.1181%4,376
Net loans and leases to total assets70.2060%2,552
Net loans and leases to deposits81.8269%2,785
Net loans and leases to core deposits84.6489%3,029
Total domestic deposits to total assets85.7982%2,373
Equity capital to assets11.5642%2,150
Core capital (leverage) ratio9.6481%3,946
Tier 1 risk-based capital ratio12.7080%4,056
Total risk-based capital ratio13.8271%4,035
Memoranda:
Average total assets$1,117,749,000687
Average earning assets$1,019,879,670689
Average equity$128,208,670670
Average total loans$783,400,330710
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9197%3,874
Cost of funding earning assets0.3982%3,602
Net interest margin3.5215%3,454
Noninterest income to average assets1.1730%668
Noninterest expense to average assets3.2643%1,421
Loan and lease loss provision to assets0.0432%2,894
Net operating income to assets0.9006%3,288
Return on assets (ROA)0.9350%3,149
Pretax return on assets1.1148%3,116
Return on Equity (ROE)8.1851%3,305
Retained earnings to average equity (ytd only)2.7200%4,088
Net charge-offs to loans-0.2332%5,403
Credit loss provision to net charge-offs-26.5934%3,584
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.7969%1,926
Assets per employee ($millions)3.8607%4,199
Cash dividends to net income (ytd only)*66.7684%1,085
Condition Ratios (%)
Loss allowance to loans1.1667%2,994
Loan loss allowance to noncurrent loans746.9968%771
Noncurrent assets plus other real estate owned to assets0.2214%3,991
Noncurrent loans to loans0.1562%4,282
Net loans and leases to total assets69.6296%2,539
Net loans and leases to deposits80.5820%2,741
Net loans and leases to core deposits83.4864%3,017
Total domestic deposits to total assets86.4084%2,360
Equity capital to assets11.3991%2,216
Core capital (leverage) ratio9.4462%4,131
Tier 1 risk-based capital ratio12.3983%4,306
Total risk-based capital ratio13.4977%4,302
Memoranda:
Average total assets$1,121,229,000684
Average earning assets$1,021,494,000694
Average equity$128,086,000666
Average total loans$780,575,500710
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8647%3,840
Cost of funding earning assets0.2988%4,156
Net interest margin3.5659%3,282
Noninterest income to average assets1.0882%857
Noninterest expense to average assets3.1209%1,798
Loan and lease loss provision to assets0.0905%2,385
Net operating income to assets0.8808%2,813
Return on assets (ROA)0.8844%2,818
Pretax return on assets1.1474%2,994
Return on Equity (ROE)7.9806%2,805
Retained earnings to average equity (ytd only)4.4173%2,509
Net charge-offs to loans0.2176%1,194
Credit loss provision to net charge-offs61.1985%3,201
Earnings coverage of net charge-offs (x)8.3366%2,927
Efficiency ratio70.9594%2,407
Assets per employee ($millions)3.8926%4,130
Cash dividends to net income (ytd only)*44.6492%2,613
Condition Ratios (%)
Loss allowance to loans1.1170%3,259
Loan loss allowance to noncurrent loans408.2821%1,303
Noncurrent assets plus other real estate owned to assets0.2540%3,869
Noncurrent loans to loans0.2736%3,804
Net loans and leases to total assets68.1257%2,801
Net loans and leases to deposits78.5739%3,056
Net loans and leases to core deposits81.2409%3,316
Total domestic deposits to total assets86.7028%2,147
Equity capital to assets11.3595%2,320
Core capital (leverage) ratio9.4931%4,059
Tier 1 risk-based capital ratio12.7403%4,068
Total risk-based capital ratio13.8198%4,063
Memoranda:
Average total assets$1,116,756,200665
Average earning assets$1,022,797,400664
Average equity$123,762,200664
Average total loans$759,318,200690
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8112%3,962
Cost of funding earning assets0.2888%4,236
Net interest margin3.5224%3,418
Noninterest income to average assets1.0452%936
Noninterest expense to average assets3.1459%1,685
Loan and lease loss provision to assets0.0799%2,487
Net operating income to assets0.8381%3,335
Return on assets (ROA)0.8420%3,365
Pretax return on assets1.0597%3,461
Return on Equity (ROE)7.6461%3,319
Retained earnings to average equity (ytd only)3.5116%3,825
Net charge-offs to loans0.2728%790
Credit loss provision to net charge-offs43.2450%2,983
Earnings coverage of net charge-offs (x)6.1370%3,014
Efficiency ratio72.7623%2,082
Assets per employee ($millions)3.7694%4,341
Cash dividends to net income (ytd only)*54.0732%1,586
Condition Ratios (%)
Loss allowance to loans1.1023%3,470
Loan loss allowance to noncurrent loans284.9864%1,656
Noncurrent assets plus other real estate owned to assets0.3316%3,724
Noncurrent loans to loans0.3868%3,568
Net loans and leases to total assets68.8599%2,717
Net loans and leases to deposits79.7091%3,000
Net loans and leases to core deposits82.7353%3,229
Total domestic deposits to total assets86.3890%2,140
Equity capital to assets11.5115%2,359
Core capital (leverage) ratio9.2443%4,470
Tier 1 risk-based capital ratio12.7499%4,174
Total risk-based capital ratio13.8254%4,180
Memoranda:
Average total assets$1,115,677,500665
Average earning assets$1,024,738,250666
Average equity$122,865,750673
Average total loans$756,056,500698
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7653%4,019
Cost of funding earning assets0.2738%4,344
Net interest margin3.4915%3,437
Noninterest income to average assets1.0187%979
Noninterest expense to average assets3.1266%1,779
Loan and lease loss provision to assets0.0329%3,334
Net operating income to assets0.8599%3,114
Return on assets (ROA)0.8579%3,176
Pretax return on assets1.0630%3,326
Return on Equity (ROE)7.9064%3,081
Retained earnings to average equity (ytd only)4.0336%3,312
Net charge-offs to loans0.2444%835
Credit loss provision to net charge-offs20.0651%2,786
Earnings coverage of net charge-offs (x)6.6909%2,678
Efficiency ratio73.2679%2,138
Assets per employee ($millions)3.7785%4,309
Cash dividends to net income (ytd only)*48.9830%1,915
Condition Ratios (%)
Loss allowance to loans1.1156%3,491
Loan loss allowance to noncurrent loans230.0081%1,981
Noncurrent assets plus other real estate owned to assets0.3373%3,770
Noncurrent loans to loans0.4850%3,293
Net loans and leases to total assets68.7718%2,697
Net loans and leases to deposits80.0451%2,905
Net loans and leases to core deposits83.3891%3,137
Total domestic deposits to total assets85.9163%2,407
Equity capital to assets11.3869%2,421
Core capital (leverage) ratio7.9156%5,562
Tier 1 risk-based capital ratio12.5648%4,261
Total risk-based capital ratio13.6518%4,242
Memoranda:
Average total assets$1,123,198,000665
Average earning assets$1,031,469,000663
Average equity$121,876,330678
Average total loans$754,372,330699
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7111%4,085
Cost of funding earning assets0.2623%4,433
Net interest margin3.4487%3,449
Noninterest income to average assets0.9610%1,080
Noninterest expense to average assets3.1901%1,641
Loan and lease loss provision to assets0.0046%3,499
Net operating income to assets0.7784%3,321
Return on assets (ROA)0.7781%3,381
Pretax return on assets0.9304%3,657
Return on Equity (ROE)7.3470%3,237
Retained earnings to average equity (ytd only)4.1526%3,381
Net charge-offs to loans0.4730%392
Credit loss provision to net charge-offs1.4673%2,274
Earnings coverage of net charge-offs (x)2.9955%2,525
Efficiency ratio76.5847%1,821
Assets per employee ($millions)3.8546%4,252
Cash dividends to net income (ytd only)*43.4783%1,894
Condition Ratios (%)
Loss allowance to loans1.1206%3,582
Loan loss allowance to noncurrent loans232.5485%1,995
Noncurrent assets plus other real estate owned to assets0.3409%3,832
Noncurrent loans to loans0.4819%3,358
Net loans and leases to total assets66.0405%2,962
Net loans and leases to deposits75.8350%3,218
Net loans and leases to core deposits79.2323%3,360
Total domestic deposits to total assets87.0845%2,172
Equity capital to assets10.8382%2,814
Core capital (leverage) ratio8.6955%5,052
Tier 1 risk-based capital ratio12.4260%4,429
Total risk-based capital ratio13.5075%4,440
Memoranda:
Average total assets$1,135,023,000665
Average earning assets$1,041,429,500660
Average equity$120,212,500685
Average total loans$749,203,500707
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8491%3,745
Cost of funding earning assets0.2778%4,271
Net interest margin3.5713%3,178
Noninterest income to average assets1.0741%979
Noninterest expense to average assets3.4027%1,352
Loan and lease loss provision to assets0.0737%2,878
Net operating income to assets0.7268%3,656
Return on assets (ROA)0.7704%3,549
Pretax return on assets0.9192%3,774
Return on Equity (ROE)7.1622%3,385
Retained earnings to average equity (ytd only)5.9251%1,751
Net charge-offs to loans0.0622%2,816
Credit loss provision to net charge-offs179.7297%1,557
Earnings coverage of net charge-offs (x)22.9347%1,710
Efficiency ratio77.6291%1,753
Assets per employee ($millions)4.0867%3,813
Cash dividends to net income (ytd only)*17.2724%3,817
Condition Ratios (%)
Loss allowance to loans1.2370%2,894
Loan loss allowance to noncurrent loans202.0493%2,231
Noncurrent assets plus other real estate owned to assets0.4360%3,520
Noncurrent loans to loans0.6122%3,016
Net loans and leases to total assets64.4377%3,300
Net loans and leases to deposits73.2626%3,587
Net loans and leases to core deposits76.4026%3,717
Total domestic deposits to total assets87.9544%1,650
Equity capital to assets10.3499%3,327
Core capital (leverage) ratio8.7037%5,072
Tier 1 risk-based capital ratio12.2965%4,507
Total risk-based capital ratio13.4887%4,424
Memoranda:
Average total assets$1,082,097,200667
Average earning assets$990,664,200670
Average equity$116,402,400686
Average total loans$713,506,000709
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8846%3,636
Cost of funding earning assets0.2848%4,256
Net interest margin3.5997%3,078
Noninterest income to average assets1.0456%1,038
Noninterest expense to average assets3.4916%1,164
Loan and lease loss provision to assets0.0955%2,312
Net operating income to assets0.6549%4,058
Return on assets (ROA)0.7147%3,907
Pretax return on assets0.8260%4,229
Return on Equity (ROE)6.5773%3,785
Retained earnings to average equity (ytd only)5.6101%2,428
Net charge-offs to loans0.0626%2,457
Credit loss provision to net charge-offs230.5136%1,279
Earnings coverage of net charge-offs (x)20.5862%1,866
Efficiency ratio79.6676%1,478
Assets per employee ($millions)3.9600%4,039
Cash dividends to net income (ytd only)*14.7059%3,424
Condition Ratios (%)
Loss allowance to loans1.2636%2,873
Loan loss allowance to noncurrent loans513.5165%1,032
Noncurrent assets plus other real estate owned to assets0.2070%4,606
Noncurrent loans to loans0.2461%4,387
Net loans and leases to total assets64.0352%3,394
Net loans and leases to deposits73.5704%3,635
Net loans and leases to core deposits76.7008%3,773
Total domestic deposits to total assets87.0393%1,877
Equity capital to assets10.6656%3,389
Core capital (leverage) ratio8.5704%5,292
Tier 1 risk-based capital ratio12.3299%4,587
Total risk-based capital ratio13.5574%4,500
Memoranda:
Average total assets$1,065,529,500679
Average earning assets$976,415,000680
Average equity$115,789,250692
Average total loans$704,570,000715
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9268%3,512
Cost of funding earning assets0.2903%4,246
Net interest margin3.6366%2,948
Noninterest income to average assets1.0289%1,058
Noninterest expense to average assets3.6936%891
Loan and lease loss provision to assets0.1351%1,688
Net operating income to assets0.4891%4,724
Return on assets (ROA)0.5874%4,448
Pretax return on assets0.6310%4,814
Return on Equity (ROE)5.3690%4,350
Retained earnings to average equity (ytd only)4.9473%2,773
Net charge-offs to loans0.0292%2,893
Credit loss provision to net charge-offs696.0396%509
Earnings coverage of net charge-offs (x)34.0198%1,291
Efficiency ratio84.1346%1,039
Assets per employee ($millions)3.9076%4,081
Cash dividends to net income (ytd only)*7.8534%3,504
Condition Ratios (%)
Loss allowance to loans1.2733%2,935
Loan loss allowance to noncurrent loans584.1621%943
Noncurrent assets plus other real estate owned to assets0.2023%4,679
Noncurrent loans to loans0.2180%4,568
Net loans and leases to total assets66.0207%3,081
Net loans and leases to deposits76.1594%3,366
Net loans and leases to core deposits79.9421%3,462
Total domestic deposits to total assets86.6876%2,066
Equity capital to assets10.7783%3,312
Core capital (leverage) ratio8.4594%5,396
Tier 1 risk-based capital ratio12.0233%4,809
Total risk-based capital ratio13.2648%4,731
Memoranda:
Average total assets$1,040,545,330695
Average earning assets$951,450,000696
Average equity$113,839,330709
Average total loans$692,874,670725
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9689%3,334
Cost of funding earning assets0.2953%4,211
Net interest margin3.6736%2,785
Noninterest income to average assets0.9912%1,096
Noninterest expense to average assets3.9759%621
Loan and lease loss provision to assets0.1146%1,828
Net operating income to assets0.3233%5,233
Return on assets (ROA)0.3301%5,298
Pretax return on assets0.2243%5,612
Return on Equity (ROE)2.9928%5,238
Retained earnings to average equity (ytd only)2.9928%4,016
Net charge-offs to loans-0.0571%5,391
Credit loss provision to net charge-offs-302.1053%4,435
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio91.6327%573
Assets per employee ($millions)4.3501%3,326
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans1.2380%3,264
Loan loss allowance to noncurrent loans425.0572%1,204
Noncurrent assets plus other real estate owned to assets0.2619%4,511
Noncurrent loans to loans0.2913%4,391
Net loans and leases to total assets65.8194%2,978
Net loans and leases to deposits75.4173%3,287
Net loans and leases to core deposits79.1812%3,396
Total domestic deposits to total assets87.2735%2,063
Equity capital to assets10.3801%3,638
Core capital (leverage) ratio8.0910%5,726
Tier 1 risk-based capital ratio11.6297%5,152
Total risk-based capital ratio12.8279%5,087
Memoranda:
Average total assets$1,002,037,500721
Average earning assets$904,724,000731
Average equity$110,532,000728
Average total loans$665,643,000746
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7401%4,233
Cost of funding earning assets0.2820%4,466
Net interest margin3.4582%3,681
Noninterest income to average assets1.2345%785
Noninterest expense to average assets3.3171%1,686
Loan and lease loss provision to assets0.0712%2,850
Net operating income to assets0.8650%3,046
Return on assets (ROA)0.8738%3,088
Pretax return on assets1.0124%3,410
Return on Equity (ROE)7.3022%3,361
Retained earnings to average equity (ytd only)6.1103%1,736
Net charge-offs to loans0.2587%1,169
Credit loss provision to net charge-offs40.1206%3,533
Earnings coverage of net charge-offs (x)6.0489%3,286
Efficiency ratio75.1252%2,410
Assets per employee ($millions)3.7178%4,447
Cash dividends to net income (ytd only)*16.3221%3,903
Condition Ratios (%)
Loss allowance to loans1.5358%1,841
Loan loss allowance to noncurrent loans483.6679%1,075
Noncurrent assets plus other real estate owned to assets0.2608%4,549
Noncurrent loans to loans0.3175%4,324
Net loans and leases to total assets65.1363%3,104
Net loans and leases to deposits76.4843%3,196
Net loans and leases to core deposits81.3184%3,217
Total domestic deposits to total assets85.1629%3,014
Equity capital to assets11.8662%2,058
Core capital (leverage) ratio11.1156%2,293
Tier 1 risk-based capital ratio14.9263%3,211
Total risk-based capital ratio16.1787%3,142
Memoranda:
Average total assets$841,406,200823
Average earning assets$767,865,200822
Average equity$100,682,000766
Average total loans$577,098,200813
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8306%3,996
Cost of funding earning assets0.2810%4,545
Net interest margin3.5496%3,340
Noninterest income to average assets1.2697%747
Noninterest expense to average assets3.4482%1,383
Loan and lease loss provision to assets0.0729%2,714
Net operating income to assets0.8653%3,110
Return on assets (ROA)0.8771%3,137
Pretax return on assets1.0136%3,563
Return on Equity (ROE)7.3140%3,457
Retained earnings to average equity (ytd only)5.7112%2,433
Net charge-offs to loans0.3091%865
Credit loss provision to net charge-offs34.0569%3,232
Earnings coverage of net charge-offs (x)5.0135%3,263
Efficiency ratio75.8414%2,269
Assets per employee ($millions)3.5048%4,782
Cash dividends to net income (ytd only)*21.9138%3,166
Condition Ratios (%)
Loss allowance to loans1.5205%2,067
Loan loss allowance to noncurrent loans385.1165%1,300
Noncurrent assets plus other real estate owned to assets0.3244%4,468
Noncurrent loans to loans0.3948%4,201
Net loans and leases to total assets68.7355%2,578
Net loans and leases to deposits81.1452%2,750
Net loans and leases to core deposits86.5394%2,793
Total domestic deposits to total assets84.7067%3,123
Equity capital to assets12.1376%2,008
Core capital (leverage) ratio11.0291%2,455
Tier 1 risk-based capital ratio14.8513%3,371
Total risk-based capital ratio16.1038%3,312
Memoranda:
Average total assets$832,409,500841
Average earning assets$762,470,500834
Average equity$99,824,250772
Average total loans$576,269,000815
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8330%3,943
Cost of funding earning assets0.2766%4,650
Net interest margin3.5564%3,261
Noninterest income to average assets1.2610%766
Noninterest expense to average assets3.4710%1,345
Loan and lease loss provision to assets0.0694%2,724
Net operating income to assets0.8622%3,071
Return on assets (ROA)0.8620%3,173
Pretax return on assets0.9787%3,665
Return on Equity (ROE)7.2173%3,475
Retained earnings to average equity (ytd only)5.2793%2,689
Net charge-offs to loans0.2808%938
Credit loss provision to net charge-offs35.8209%2,865
Earnings coverage of net charge-offs (x)5.4080%2,926
Efficiency ratio76.3551%2,299
Assets per employee ($millions)3.4912%4,812
Cash dividends to net income (ytd only)*26.8531%2,927
Condition Ratios (%)
Loss allowance to loans1.5855%1,955
Loan loss allowance to noncurrent loans325.0087%1,510
Noncurrent assets plus other real estate owned to assets0.3626%4,445
Noncurrent loans to loans0.4878%4,012
Net loans and leases to total assets68.8334%2,513
Net loans and leases to deposits81.9541%2,559
Net loans and leases to core deposits87.5077%2,608
Total domestic deposits to total assets83.9902%3,565
Equity capital to assets11.8970%2,108
Core capital (leverage) ratio10.8983%2,521
Tier 1 risk-based capital ratio14.5803%3,590
Total risk-based capital ratio15.8336%3,518
Memoranda:
Average total assets$829,494,330850
Average earning assets$759,977,670844
Average equity$99,067,000780
Average total loans$572,659,000821
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8009%4,002
Cost of funding earning assets0.2726%4,754
Net interest margin3.5283%3,308
Noninterest income to average assets1.2582%722
Noninterest expense to average assets3.4557%1,398
Loan and lease loss provision to assets0.0630%2,667
Net operating income to assets0.8627%2,945
Return on assets (ROA)0.8627%3,060
Pretax return on assets0.9577%3,657
Return on Equity (ROE)7.2095%3,397
Retained earnings to average equity (ytd only)5.2654%2,909
Net charge-offs to loans0.3979%615
Credit loss provision to net charge-offs23.0906%2,336
Earnings coverage of net charge-offs (x)3.7407%2,573
Efficiency ratio76.6999%2,395
Assets per employee ($millions)3.4624%4,965
Cash dividends to net income (ytd only)*26.9663%2,405
Condition Ratios (%)
Loss allowance to loans1.6504%1,882
Loan loss allowance to noncurrent loans252.2874%1,843
Noncurrent assets plus other real estate owned to assets0.4953%4,041
Noncurrent loans to loans0.6542%3,637
Net loans and leases to total assets67.2307%2,570
Net loans and leases to deposits79.2445%2,651
Net loans and leases to core deposits83.8543%2,790
Total domestic deposits to total assets84.8396%3,480
Equity capital to assets11.9675%2,050
Core capital (leverage) ratio10.8181%2,602
Tier 1 risk-based capital ratio14.5941%3,667
Total risk-based capital ratio15.8477%3,589
Memoranda:
Average total assets$825,294,500853
Average earning assets$752,772,500851
Average equity$98,758,500784
Average total loans$565,967,000826
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9328%4,003
Cost of funding earning assets0.2906%4,883
Net interest margin3.6422%3,251
Noninterest income to average assets1.2262%799
Noninterest expense to average assets3.4124%1,674
Loan and lease loss provision to assets0.2089%1,199
Net operating income to assets0.8444%3,146
Return on assets (ROA)0.8525%3,202
Pretax return on assets0.9445%3,716
Return on Equity (ROE)7.3297%3,456
Retained earnings to average equity (ytd only)4.4426%3,020
Net charge-offs to loans0.1792%2,235
Credit loss provision to net charge-offs165.2551%1,477
Earnings coverage of net charge-offs (x)9.0529%2,800
Efficiency ratio74.3252%2,784
Assets per employee ($millions)3.4583%4,966
Cash dividends to net income (ytd only)*39.3892%2,884
Condition Ratios (%)
Loss allowance to loans1.7394%1,681
Loan loss allowance to noncurrent loans325.9555%1,520
Noncurrent assets plus other real estate owned to assets0.4254%4,401
Noncurrent loans to loans0.5336%4,063
Net loans and leases to total assets67.6026%2,625
Net loans and leases to deposits79.6976%2,756
Net loans and leases to core deposits84.5990%2,835
Total domestic deposits to total assets84.8239%3,357
Equity capital to assets11.9654%2,038
Core capital (leverage) ratio10.8167%2,601
Tier 1 risk-based capital ratio14.0248%4,070
Total risk-based capital ratio15.2774%3,996
Memoranda:
Average total assets$821,911,800822
Average earning assets$751,598,000817
Average equity$95,597,600773
Average total loans$579,730,400762
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9445%3,992
Cost of funding earning assets0.2934%4,943
Net interest margin3.6511%3,219
Noninterest income to average assets1.2234%814
Noninterest expense to average assets3.4081%1,641
Loan and lease loss provision to assets0.0974%2,419
Net operating income to assets0.8896%2,959
Return on assets (ROA)0.8997%3,010
Pretax return on assets1.0728%3,288
Return on Equity (ROE)7.7910%3,321
Retained earnings to average equity (ytd only)4.2534%3,628
Net charge-offs to loans0.1473%2,316
Credit loss provision to net charge-offs93.1783%2,375
Earnings coverage of net charge-offs (x)11.0775%2,472
Efficiency ratio74.0743%2,811
Assets per employee ($millions)3.2995%5,239
Cash dividends to net income (ytd only)*45.4054%2,075
Condition Ratios (%)
Loss allowance to loans1.5613%2,450
Loan loss allowance to noncurrent loans264.9752%1,717
Noncurrent assets plus other real estate owned to assets0.5424%4,245
Noncurrent loans to loans0.5892%4,159
Net loans and leases to total assets71.1568%2,000
Net loans and leases to deposits85.3200%1,990
Net loans and leases to core deposits91.0327%2,113
Total domestic deposits to total assets83.4000%3,994
Equity capital to assets12.0569%2,008
Core capital (leverage) ratio10.7066%2,812
Tier 1 risk-based capital ratio13.7000%4,417
Total risk-based capital ratio14.9526%4,352
Memoranda:
Average total assets$822,486,500823
Average earning assets$753,066,250816
Average equity$94,979,500775
Average total loans$583,691,000752
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9277%4,026
Cost of funding earning assets0.2950%5,017
Net interest margin3.6328%3,220
Noninterest income to average assets1.2196%787
Noninterest expense to average assets3.3657%1,768
Loan and lease loss provision to assets0.1198%2,054
Net operating income to assets0.8830%2,898
Return on assets (ROA)0.8958%2,929
Pretax return on assets1.0651%3,226
Return on Equity (ROE)7.8699%3,177
Retained earnings to average equity (ytd only)4.3062%3,431
Net charge-offs to loans0.1712%2,025
Credit loss provision to net charge-offs99.2000%2,034
Earnings coverage of net charge-offs (x)9.6880%2,332
Efficiency ratio73.6517%3,034
Assets per employee ($millions)3.3858%5,086
Cash dividends to net income (ytd only)*45.2830%2,146
Condition Ratios (%)
Loss allowance to loans1.5586%2,632
Loan loss allowance to noncurrent loans345.5509%1,340
Noncurrent assets plus other real estate owned to assets0.4157%4,763
Noncurrent loans to loans0.4510%4,636
Net loans and leases to total assets70.6409%1,976
Net loans and leases to deposits85.5275%1,866
Net loans and leases to core deposits90.5251%2,075
Total domestic deposits to total assets82.5944%4,449
Equity capital to assets11.7438%2,209
Core capital (leverage) ratio10.4809%2,974
Tier 1 risk-based capital ratio13.7319%4,425
Total risk-based capital ratio14.9849%4,372
Memoranda:
Average total assets$828,286,000825
Average earning assets$756,007,330813
Average equity$94,283,000772
Average total loans$584,267,670750
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9272%3,979
Cost of funding earning assets0.3072%4,994
Net interest margin3.6200%3,170
Noninterest income to average assets1.2099%756
Noninterest expense to average assets3.3177%1,905
Loan and lease loss provision to assets0.1893%1,255
Net operating income to assets0.8691%2,800
Return on assets (ROA)0.8792%2,816
Pretax return on assets1.0071%3,297
Return on Equity (ROE)7.8451%3,020
Retained earnings to average equity (ytd only)4.2519%3,580
Net charge-offs to loans0.0158%3,276
Credit loss provision to net charge-offs1,717.3913%197
Earnings coverage of net charge-offs (x)107.4783%432
Efficiency ratio73.1289%3,291
Assets per employee ($millions)3.4126%5,125
Cash dividends to net income (ytd only)*45.8015%1,819
Condition Ratios (%)
Loss allowance to loans1.6267%2,593
Loan loss allowance to noncurrent loans472.5012%984
Noncurrent assets plus other real estate owned to assets0.3966%4,953
Noncurrent loans to loans0.3443%5,080
Net loans and leases to total assets70.1594%1,861
Net loans and leases to deposits82.8942%1,960
Net loans and leases to core deposits88.0204%2,093
Total domestic deposits to total assets84.6374%4,027
Equity capital to assets11.4961%2,249
Core capital (leverage) ratio10.2219%3,259
Tier 1 risk-based capital ratio13.5541%4,646
Total risk-based capital ratio14.8080%4,584
Memoranda:
Average total assets$834,440,000817
Average earning assets$759,011,000820
Average equity$93,511,000779
Average total loans$583,631,500748
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0313%3,977
Cost of funding earning assets0.3929%4,730
Net interest margin3.6383%3,291
Noninterest income to average assets1.1966%985
Noninterest expense to average assets3.3471%2,010
Loan and lease loss provision to assets0.2236%1,628
Net operating income to assets0.8202%3,189
Return on assets (ROA)0.8397%3,167
Pretax return on assets0.9903%3,389
Return on Equity (ROE)7.5072%3,292
Retained earnings to average equity (ytd only)4.0074%3,341
Net charge-offs to loans0.3307%2,027
Credit loss provision to net charge-offs100.8170%2,393
Earnings coverage of net charge-offs (x)5.3693%3,319
Efficiency ratio73.1431%3,270
Assets per employee ($millions)3.5708%4,759
Cash dividends to net income (ytd only)*46.6187%2,454
Condition Ratios (%)
Loss allowance to loans1.5655%2,902
Loan loss allowance to noncurrent loans480.9800%1,010
Noncurrent assets plus other real estate owned to assets0.4238%4,981
Noncurrent loans to loans0.3255%5,208
Net loans and leases to total assets67.5420%2,428
Net loans and leases to deposits79.4009%2,537
Net loans and leases to core deposits84.2508%2,649
Total domestic deposits to total assets85.0645%3,707
Equity capital to assets10.9273%2,680
Core capital (leverage) ratio10.2000%3,295
Tier 1 risk-based capital ratio13.4040%4,717
Total risk-based capital ratio14.6569%4,664
Memoranda:
Average total assets$827,695,800800
Average earning assets$760,183,600786
Average equity$92,577,600757
Average total loans$555,265,800756
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0557%3,910
Cost of funding earning assets0.4110%4,713
Net interest margin3.6447%3,256
Noninterest income to average assets1.1860%1,041
Noninterest expense to average assets3.2741%2,131
Loan and lease loss provision to assets0.1649%2,199
Net operating income to assets0.9090%2,787
Return on assets (ROA)0.9299%2,797
Pretax return on assets1.1320%2,973
Return on Equity (ROE)8.2645%2,993
Retained earnings to average equity (ytd only)4.9783%3,103
Net charge-offs to loans0.3543%1,776
Credit loss provision to net charge-offs69.8010%3,078
Earnings coverage of net charge-offs (x)5.3809%3,206
Efficiency ratio71.3975%3,533
Assets per employee ($millions)3.3659%5,142
Cash dividends to net income (ytd only)*39.7628%2,291
Condition Ratios (%)
Loss allowance to loans1.4994%3,457
Loan loss allowance to noncurrent loans243.2417%1,671
Noncurrent assets plus other real estate owned to assets0.4717%5,014
Noncurrent loans to loans0.6164%4,664
Net loans and leases to total assets69.6691%2,022
Net loans and leases to deposits83.4670%1,946
Net loans and leases to core deposits88.6956%2,113
Total domestic deposits to total assets83.4690%4,391
Equity capital to assets11.3559%2,423
Core capital (leverage) ratio10.2020%3,398
Tier 1 risk-based capital ratio13.5807%4,704
Total risk-based capital ratio14.8332%4,663
Memoranda:
Average total assets$822,154,500812
Average earning assets$757,825,000798
Average equity$92,505,250761
Average total loans$548,296,750765
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0508%3,923
Cost of funding earning assets0.4211%4,744
Net interest margin3.6296%3,248
Noninterest income to average assets1.1780%1,092
Noninterest expense to average assets3.2534%2,207
Loan and lease loss provision to assets0.1639%2,281
Net operating income to assets0.9041%2,772
Return on assets (ROA)0.9294%2,802
Pretax return on assets1.1363%2,940
Return on Equity (ROE)8.2853%2,951
Retained earnings to average equity (ytd only)5.1678%2,947
Net charge-offs to loans0.4054%1,595
Credit loss provision to net charge-offs61.8698%2,982
Earnings coverage of net charge-offs (x)4.7910%3,032
Efficiency ratio71.2629%3,600
Assets per employee ($millions)3.4507%4,957
Cash dividends to net income (ytd only)*37.6274%2,353
Condition Ratios (%)
Loss allowance to loans1.5203%3,486
Loan loss allowance to noncurrent loans353.7210%1,187
Noncurrent assets plus other real estate owned to assets0.3507%5,432
Noncurrent loans to loans0.4298%5,188
Net loans and leases to total assets68.0349%2,222
Net loans and leases to deposits82.9076%1,940
Net loans and leases to core deposits87.8419%2,124
Total domestic deposits to total assets82.0611%5,041
Equity capital to assets11.0667%2,691
Core capital (leverage) ratio9.9518%3,584
Tier 1 risk-based capital ratio13.3465%4,882
Total risk-based capital ratio14.5988%4,826
Memoranda:
Average total assets$823,571,330806
Average earning assets$758,918,330797
Average equity$92,380,330763
Average total loans$538,229,000777
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0270%4,007
Cost of funding earning assets0.4301%4,806
Net interest margin3.5969%3,278
Noninterest income to average assets1.1441%1,140
Noninterest expense to average assets3.1926%2,377
Loan and lease loss provision to assets0.1671%2,188
Net operating income to assets0.8718%2,795
Return on assets (ROA)0.8957%2,825
Pretax return on assets1.1300%2,848
Return on Equity (ROE)7.9314%3,014
Retained earnings to average equity (ytd only)5.3437%3,028
Net charge-offs to loans0.2901%1,804
Credit loss provision to net charge-offs90.7407%2,013
Earnings coverage of net charge-offs (x)6.8810%2,150
Efficiency ratio70.8060%3,821
Assets per employee ($millions)3.3998%5,201
Cash dividends to net income (ytd only)*32.6264%2,023
Condition Ratios (%)
Loss allowance to loans1.6855%3,072
Loan loss allowance to noncurrent loans607.6975%724
Noncurrent assets plus other real estate owned to assets0.3129%5,643
Noncurrent loans to loans0.2774%5,709
Net loans and leases to total assets64.9030%2,553
Net loans and leases to deposits79.3605%2,167
Net loans and leases to core deposits83.4016%2,407
Total domestic deposits to total assets81.7825%5,273
Equity capital to assets11.4119%2,503
Core capital (leverage) ratio9.8925%3,538
Tier 1 risk-based capital ratio13.6109%4,785
Total risk-based capital ratio14.8648%4,749
Memoranda:
Average total assets$821,272,500816
Average earning assets$756,986,000810
Average equity$92,745,000769
Average total loans$521,272,500807
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1499%4,774
Cost of funding earning assets0.5353%4,950
Net interest margin3.6146%4,022
Noninterest income to average assets1.1810%1,127
Noninterest expense to average assets3.2890%2,372
Loan and lease loss provision to assets0.2720%2,471
Net operating income to assets0.7975%3,297
Return on assets (ROA)0.8407%3,346
Pretax return on assets0.9999%3,547
Return on Equity (ROE)7.5774%3,303
Retained earnings to average equity (ytd only)5.5293%2,361
Net charge-offs to loans0.2835%3,244
Credit loss provision to net charge-offs161.2245%1,667
Earnings coverage of net charge-offs (x)7.2347%2,652
Efficiency ratio72.0491%3,404
Assets per employee ($millions)3.4731%5,063
Cash dividends to net income (ytd only)*27.0294%3,493
Condition Ratios (%)
Loss allowance to loans1.8087%2,559
Loan loss allowance to noncurrent loans270.3649%1,421
Noncurrent assets plus other real estate owned to assets0.9595%4,109
Noncurrent loans to loans0.6690%4,859
Net loans and leases to total assets59.8571%3,628
Net loans and leases to deposits70.9899%3,562
Net loans and leases to core deposits74.6534%3,700
Total domestic deposits to total assets84.3179%4,174
Equity capital to assets11.1753%2,763
Core capital (leverage) ratio9.9198%3,515
Tier 1 risk-based capital ratio13.6509%4,641
Total risk-based capital ratio14.9053%4,583
Memoranda:
Average total assets$813,282,800812
Average earning assets$748,912,400796
Average equity$90,228,600772
Average total loans$483,958,800851
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2016%4,811
Cost of funding earning assets0.5586%5,011
Net interest margin3.6430%4,039
Noninterest income to average assets1.2065%1,037
Noninterest expense to average assets3.2144%2,518
Loan and lease loss provision to assets0.2836%2,301
Net operating income to assets0.8475%3,226
Return on assets (ROA)0.8904%3,265
Pretax return on assets1.1243%3,255
Return on Equity (ROE)8.0406%3,272
Retained earnings to average equity (ytd only)6.1854%2,576
Net charge-offs to loans0.2959%2,955
Credit loss provision to net charge-offs162.0884%1,716
Earnings coverage of net charge-offs (x)7.7356%2,561
Efficiency ratio69.4883%3,789
Assets per employee ($millions)3.3757%5,267
Cash dividends to net income (ytd only)*23.0727%2,932
Condition Ratios (%)
Loss allowance to loans1.8145%2,750
Loan loss allowance to noncurrent loans574.9035%673
Noncurrent assets plus other real estate owned to assets0.7496%4,819
Noncurrent loans to loans0.3156%5,850
Net loans and leases to total assets60.6822%3,637
Net loans and leases to deposits72.8332%3,470
Net loans and leases to core deposits76.7146%3,642
Total domestic deposits to total assets83.3168%4,512
Equity capital to assets11.5791%2,668
Core capital (leverage) ratio9.9611%3,595
Tier 1 risk-based capital ratio14.0864%4,465
Total risk-based capital ratio15.3413%4,423
Memoranda:
Average total assets$809,956,000818
Average earning assets$747,387,000807
Average equity$89,692,250781
Average total loans$478,976,750867
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2100%4,913
Cost of funding earning assets0.5811%5,063
Net interest margin3.6288%4,147
Noninterest income to average assets1.1309%1,115
Noninterest expense to average assets3.1695%2,693
Loan and lease loss provision to assets0.3048%2,160
Net operating income to assets0.8039%3,383
Return on assets (ROA)0.8669%3,322
Pretax return on assets1.0744%3,395
Return on Equity (ROE)7.9468%3,282
Retained earnings to average equity (ytd only)6.4880%2,390
Net charge-offs to loans0.3654%2,551
Credit loss provision to net charge-offs143.1373%1,930
Earnings coverage of net charge-offs (x)6.1119%2,695
Efficiency ratio69.9973%3,765
Assets per employee ($millions)3.5019%4,980
Cash dividends to net income (ytd only)*18.3569%3,036
Condition Ratios (%)
Loss allowance to loans1.7433%3,056
Loan loss allowance to noncurrent loans325.9706%1,101
Noncurrent assets plus other real estate owned to assets0.8978%4,578
Noncurrent loans to loans0.5348%5,452
Net loans and leases to total assets60.5163%3,733
Net loans and leases to deposits72.3104%3,563
Net loans and leases to core deposits76.0675%3,764
Total domestic deposits to total assets83.6897%4,445
Equity capital to assets11.2107%2,886
Core capital (leverage) ratio9.5931%4,011
Tier 1 risk-based capital ratio13.1633%5,066
Total risk-based capital ratio14.4165%5,042
Memoranda:
Average total assets$814,385,330817
Average earning assets$749,551,670800
Average equity$88,840,670781
Average total loans$474,512,330872
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1882%5,150
Cost of funding earning assets0.6179%4,981
Net interest margin3.5703%4,393
Noninterest income to average assets1.0966%1,187
Noninterest expense to average assets3.1014%2,912
Loan and lease loss provision to assets0.3463%1,803
Net operating income to assets0.7897%3,425
Return on assets (ROA)0.7967%3,632
Pretax return on assets0.9398%3,902
Return on Equity (ROE)7.4041%3,559
Retained earnings to average equity (ytd only)5.9333%2,996
Net charge-offs to loans0.4132%2,065
Credit loss provision to net charge-offs148.0167%1,690
Earnings coverage of net charge-offs (x)5.4614%2,367
Efficiency ratio69.9163%3,830
Assets per employee ($millions)3.5074%5,104
Cash dividends to net income (ytd only)*19.8651%2,339
Condition Ratios (%)
Loss allowance to loans1.8437%2,859
Loan loss allowance to noncurrent loans335.1991%991
Noncurrent assets plus other real estate owned to assets0.9041%4,714
Noncurrent loans to loans0.5500%5,560
Net loans and leases to total assets56.3675%4,318
Net loans and leases to deposits69.9545%3,743
Net loans and leases to core deposits73.0788%4,009
Total domestic deposits to total assets80.5773%5,707
Equity capital to assets11.0178%2,888
Core capital (leverage) ratio9.0668%4,738
Tier 1 risk-based capital ratio13.3606%4,927
Total risk-based capital ratio14.6141%4,917
Memoranda:
Average total assets$818,859,500811
Average earning assets$752,878,000803
Average equity$88,113,500788
Average total loans$463,734,000885
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1803%6,110
Cost of funding earning assets0.8435%4,518
Net interest margin3.3368%5,701
Noninterest income to average assets1.1323%1,022
Noninterest expense to average assets2.9488%3,774
Loan and lease loss provision to assets0.4457%2,372
Net operating income to assets0.6734%3,612
Return on assets (ROA)0.6804%3,771
Pretax return on assets0.8422%3,812
Return on Equity (ROE)6.8176%3,482
Retained earnings to average equity (ytd only)4.5447%2,940
Net charge-offs to loans0.7443%2,291
Credit loss provision to net charge-offs108.0370%3,125
Earnings coverage of net charge-offs (x)3.1012%3,652
Efficiency ratio68.4757%4,257
Assets per employee ($millions)3.6602%4,640
Cash dividends to net income (ytd only)*33.3392%2,957
Condition Ratios (%)
Loss allowance to loans1.7747%2,949
Loan loss allowance to noncurrent loans596.9697%594
Noncurrent assets plus other real estate owned to assets0.8295%4,969
Noncurrent loans to loans0.2973%6,130
Net loans and leases to total assets54.8755%4,900
Net loans and leases to deposits69.1933%4,245
Net loans and leases to core deposits72.3584%4,462
Total domestic deposits to total assets79.3076%5,913
Equity capital to assets10.5129%3,526
Core capital (leverage) ratio9.1475%4,554
Tier 1 risk-based capital ratio13.1296%4,971
Total risk-based capital ratio14.3826%4,943
Memoranda:
Average total assets$838,485,200778
Average earning assets$777,931,600758
Average equity$83,680,200801
Average total loans$464,755,600899
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1697%6,275
Cost of funding earning assets0.8972%4,419
Net interest margin3.2726%5,943
Noninterest income to average assets1.1100%1,083
Noninterest expense to average assets2.8889%3,981
Loan and lease loss provision to assets0.4128%2,399
Net operating income to assets0.6968%3,637
Return on assets (ROA)0.7060%3,750
Pretax return on assets0.8693%3,881
Return on Equity (ROE)7.1691%3,443
Retained earnings to average equity (ytd only)5.2240%3,045
Net charge-offs to loans0.4157%3,063
Credit loss provision to net charge-offs179.4890%1,660
Earnings coverage of net charge-offs (x)5.5255%2,761
Efficiency ratio67.9725%4,321
Assets per employee ($millions)3.5803%4,806
Cash dividends to net income (ytd only)*27.1316%2,617
Condition Ratios (%)
Loss allowance to loans1.9692%2,419
Loan loss allowance to noncurrent loans213.6650%1,473
Noncurrent assets plus other real estate owned to assets1.1608%4,465
Noncurrent loans to loans0.9216%5,037
Net loans and leases to total assets55.7823%4,876
Net loans and leases to deposits71.6676%4,032
Net loans and leases to core deposits75.0401%4,318
Total domestic deposits to total assets77.8347%6,218
Equity capital to assets10.6016%3,571
Core capital (leverage) ratio8.9753%4,972
Tier 1 risk-based capital ratio13.2954%4,879
Total risk-based capital ratio14.5508%4,848
Memoranda:
Average total assets$839,475,250786
Average earning assets$782,282,000765
Average equity$82,667,000818
Average total loans$464,388,500914
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1494%6,388
Cost of funding earning assets0.9407%4,388
Net interest margin3.2088%6,135
Noninterest income to average assets1.1029%1,066
Noninterest expense to average assets2.8810%4,098
Loan and lease loss provision to assets0.4070%2,398
Net operating income to assets0.6754%3,666
Return on assets (ROA)0.6853%3,744
Pretax return on assets0.8192%3,951
Return on Equity (ROE)7.1348%3,386
Retained earnings to average equity (ytd only)5.5275%2,680
Net charge-offs to loans0.2481%3,635
Credit loss provision to net charge-offs299.3056%1,024
Earnings coverage of net charge-offs (x)8.9306%1,985
Efficiency ratio68.8610%4,353
Assets per employee ($millions)3.7087%4,419
Cash dividends to net income (ytd only)*22.5284%2,764
Condition Ratios (%)
Loss allowance to loans1.9465%2,523
Loan loss allowance to noncurrent loans148.9736%1,984
Noncurrent assets plus other real estate owned to assets1.2890%4,322
Noncurrent loans to loans1.3066%4,461
Net loans and leases to total assets56.1981%4,964
Net loans and leases to deposits72.6456%4,017
Net loans and leases to core deposits76.2543%4,281
Total domestic deposits to total assets77.3592%6,404
Equity capital to assets10.3082%3,739
Core capital (leverage) ratio8.6446%5,317
Tier 1 risk-based capital ratio13.0009%4,914
Total risk-based capital ratio14.2561%4,892
Memoranda:
Average total assets$847,197,330785
Average earning assets$790,084,330764
Average equity$81,375,330826
Average total loans$464,350,330931
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0616%6,578
Cost of funding earning assets0.9714%4,413
Net interest margin3.0902%6,372
Noninterest income to average assets1.0202%1,269
Noninterest expense to average assets2.8656%4,213
Loan and lease loss provision to assets0.2815%2,894
Net operating income to assets0.5664%4,204
Return on assets (ROA)0.5784%4,218
Pretax return on assets0.7773%3,979
Return on Equity (ROE)6.2392%3,762
Retained earnings to average equity (ytd only)5.4874%2,913
Net charge-offs to loans0.2764%2,963
Credit loss provision to net charge-offs189.9687%1,554
Earnings coverage of net charge-offs (x)7.0345%2,012
Efficiency ratio71.7903%3,914
Assets per employee ($millions)3.9134%4,042
Cash dividends to net income (ytd only)*12.0482%2,344
Condition Ratios (%)
Loss allowance to loans1.7654%3,114
Loan loss allowance to noncurrent loans155.6955%1,888
Noncurrent assets plus other real estate owned to assets0.6351%5,683
Noncurrent loans to loans1.1339%4,810
Net loans and leases to total assets53.5340%5,377
Net loans and leases to deposits69.1807%4,500
Net loans and leases to core deposits73.2879%4,618
Total domestic deposits to total assets77.3828%6,469
Equity capital to assets9.3839%4,600
Core capital (leverage) ratio8.2008%5,966
Tier 1 risk-based capital ratio12.4312%5,329
Total risk-based capital ratio13.6832%5,305
Memoranda:
Average total assets$860,983,000775
Average earning assets$804,618,000760
Average equity$79,818,500834
Average total loans$461,646,500949
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3045%6,785
Cost of funding earning assets1.1457%4,879
Net interest margin3.1588%6,367
Noninterest income to average assets1.2627%927
Noninterest expense to average assets2.8608%4,374
Loan and lease loss provision to assets0.4264%3,557
Net operating income to assets0.6254%3,560
Return on assets (ROA)0.6308%3,689
Pretax return on assets0.9109%3,243
Return on Equity (ROE)6.6792%3,266
Retained earnings to average equity (ytd only)5.6627%2,009
Net charge-offs to loans0.6148%3,192
Credit loss provision to net charge-offs122.4078%3,417
Earnings coverage of net charge-offs (x)3.8166%3,173
Efficiency ratio66.5915%4,845
Assets per employee ($millions)3.8610%4,108
Cash dividends to net income (ytd only)*15.2191%3,610
Condition Ratios (%)
Loss allowance to loans1.7608%2,989
Loan loss allowance to noncurrent loans254.4066%1,213
Noncurrent assets plus other real estate owned to assets0.4201%6,226
Noncurrent loans to loans0.6921%5,662
Net loans and leases to total assets51.8124%5,937
Net loans and leases to deposits66.8814%5,280
Net loans and leases to core deposits71.3111%5,294
Total domestic deposits to total assets77.4691%6,406
Equity capital to assets9.1574%4,906
Core capital (leverage) ratio8.3359%5,632
Tier 1 risk-based capital ratio12.0621%5,414
Total risk-based capital ratio13.3141%5,398
Memoranda:
Average total assets$825,046,400817
Average earning assets$764,665,000796
Average equity$77,913,200846
Average total loans$467,455,000966
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3520%6,892
Cost of funding earning assets1.1800%4,981
Net interest margin3.1720%6,430
Noninterest income to average assets1.2398%891
Noninterest expense to average assets2.8849%4,152
Loan and lease loss provision to assets0.3374%3,907
Net operating income to assets0.6556%3,624
Return on assets (ROA)0.6583%3,771
Pretax return on assets0.9540%3,351
Return on Equity (ROE)6.9154%3,384
Retained earnings to average equity (ytd only)6.9154%1,895
Net charge-offs to loans0.5010%3,275
Credit loss provision to net charge-offs116.7326%3,562
Earnings coverage of net charge-offs (x)4.4545%3,039
Efficiency ratio67.5882%4,545
Assets per employee ($millions)3.6603%4,590
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.6500%3,332
Loan loss allowance to noncurrent loans170.4100%1,685
Noncurrent assets plus other real estate owned to assets0.5555%6,039
Noncurrent loans to loans0.9683%5,300
Net loans and leases to total assets55.3517%5,646
Net loans and leases to deposits71.2469%4,960
Net loans and leases to core deposits76.9835%4,922
Total domestic deposits to total assets77.6899%6,319
Equity capital to assets9.9005%4,288
Core capital (leverage) ratio8.4272%5,649
Tier 1 risk-based capital ratio12.1721%5,299
Total risk-based capital ratio13.4236%5,264
Memoranda:
Average total assets$816,055,500832
Average earning assets$754,459,750812
Average equity$77,680,000855
Average total loans$470,792,250966
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3758%6,948
Cost of funding earning assets1.1971%5,145
Net interest margin3.1787%6,384
Noninterest income to average assets1.1372%1,009
Noninterest expense to average assets2.8571%4,237
Loan and lease loss provision to assets0.3051%3,951
Net operating income to assets0.6258%3,755
Return on assets (ROA)0.6284%3,879
Pretax return on assets0.9111%3,450
Return on Equity (ROE)6.6916%3,443
Retained earnings to average equity (ytd only)6.6916%1,980
Net charge-offs to loans0.4095%3,347
Credit loss provision to net charge-offs128.0702%3,141
Earnings coverage of net charge-offs (x)5.0898%2,750
Efficiency ratio68.6118%4,456
Assets per employee ($millions)3.6100%4,675
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.6278%3,333
Loan loss allowance to noncurrent loans222.5985%1,266
Noncurrent assets plus other real estate owned to assets0.5314%6,144
Noncurrent loans to loans0.7313%5,791
Net loans and leases to total assets56.7238%5,593
Net loans and leases to deposits73.4540%4,761
Net loans and leases to core deposits78.7463%4,842
Total domestic deposits to total assets77.2236%6,443
Equity capital to assets9.8003%4,265
Core capital (leverage) ratio8.3647%5,642
Tier 1 risk-based capital ratio12.2352%5,090
Total risk-based capital ratio13.4871%5,063
Memoranda:
Average total assets$813,553,670838
Average earning assets$750,498,000819
Average equity$76,394,330861
Average total loans$473,222,000971
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3855%7,015
Cost of funding earning assets1.2127%5,332
Net interest margin3.1728%6,374
Noninterest income to average assets1.0818%1,085
Noninterest expense to average assets2.7895%4,519
Loan and lease loss provision to assets0.3115%3,552
Net operating income to assets0.6081%3,858
Return on assets (ROA)0.6131%3,986
Pretax return on assets0.9059%3,446
Return on Equity (ROE)6.6747%3,531
Retained earnings to average equity (ytd only)6.6747%2,289
Net charge-offs to loans0.5248%2,494
Credit loss provision to net charge-offs101.6026%3,346
Earnings coverage of net charge-offs (x)3.9471%2,739
Efficiency ratio68.1243%4,700
Assets per employee ($millions)3.6313%4,741
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.5555%3,637
Loan loss allowance to noncurrent loans239.4925%1,208
Noncurrent assets plus other real estate owned to assets0.6111%5,993
Noncurrent loans to loans0.6495%6,026
Net loans and leases to total assets58.0562%5,429
Net loans and leases to deposits74.9533%4,591
Net loans and leases to core deposits80.4372%4,709
Total domestic deposits to total assets77.4565%6,457
Equity capital to assets9.5035%4,527
Core capital (leverage) ratio7.9689%6,279
Tier 1 risk-based capital ratio11.8010%5,394
Total risk-based capital ratio13.0541%5,334
Memoranda:
Average total assets$814,201,500849
Average earning assets$748,741,000840
Average equity$74,789,500881
Average total loans$475,649,000993
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6971%7,142
Cost of funding earning assets1.4721%5,625
Net interest margin3.2251%6,009
Noninterest income to average assets1.4191%726
Noninterest expense to average assets3.1843%3,428
Loan and lease loss provision to assets0.7938%2,751
Net operating income to assets0.3027%4,527
Return on assets (ROA)0.5712%3,514
Pretax return on assets0.7776%3,313
Return on Equity (ROE)5.6769%3,344
Retained earnings to average equity (ytd only)3.6083%2,658
Net charge-offs to loans0.8131%2,795
Credit loss provision to net charge-offs154.3384%2,956
Earnings coverage of net charge-offs (x)2.3402%3,974
Efficiency ratio71.4218%4,367
Assets per employee ($millions)4.0091%3,800
Cash dividends to net income (ytd only)*36.4391%3,072
Condition Ratios (%)
Loss allowance to loans1.5380%3,537
Loan loss allowance to noncurrent loans181.8452%1,615
Noncurrent assets plus other real estate owned to assets0.6322%5,883
Noncurrent loans to loans0.8458%5,598
Net loans and leases to total assets56.9901%5,820
Net loans and leases to deposits72.4111%5,271
Net loans and leases to core deposits83.3742%5,779
Total domestic deposits to total assets78.7036%6,066
Equity capital to assets8.8767%5,314
Core capital (leverage) ratio8.6315%5,049
Tier 1 risk-based capital ratio11.1624%5,764
Total risk-based capital ratio12.4135%5,719
Memoranda:
Average total assets$674,490,2001,021
Average earning assets$620,889,4001,004
Average equity$67,871,800970
Average total loans$426,646,0001,123
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8970%6,895
Cost of funding earning assets1.5620%5,583
Net interest margin3.3349%5,507
Noninterest income to average assets1.4995%658
Noninterest expense to average assets3.2170%3,244
Loan and lease loss provision to assets0.5355%3,243
Net operating income to assets0.5826%3,663
Return on assets (ROA)0.8157%2,807
Pretax return on assets1.1556%2,396
Return on Equity (ROE)7.8079%2,721
Retained earnings to average equity (ytd only)5.5948%2,160
Net charge-offs to loans0.5697%2,973
Credit loss provision to net charge-offs144.6267%3,367
Earnings coverage of net charge-offs (x)3.6804%3,423
Efficiency ratio69.1741%4,751
Assets per employee ($millions)3.3801%5,204
Cash dividends to net income (ytd only)*28.3440%2,945
Condition Ratios (%)
Loss allowance to loans1.5150%3,349
Loan loss allowance to noncurrent loans97.4607%2,842
Noncurrent assets plus other real estate owned to assets1.0468%4,987
Noncurrent loans to loans1.5544%4,309
Net loans and leases to total assets63.3264%5,013
Net loans and leases to deposits79.2649%4,516
Net loans and leases to core deposits92.8854%5,145
Total domestic deposits to total assets79.8921%5,475
Equity capital to assets11.2445%2,797
Core capital (leverage) ratio9.8374%3,469
Tier 1 risk-based capital ratio13.3989%3,922
Total risk-based capital ratio14.6502%3,860
Memoranda:
Average total assets$636,642,7501,103
Average earning assets$588,020,5001,088
Average equity$66,512,0001,007
Average total loans$413,802,0001,182
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9785%6,842
Cost of funding earning assets1.6112%5,702
Net interest margin3.3673%5,293
Noninterest income to average assets1.5571%618
Noninterest expense to average assets3.2858%3,020
Loan and lease loss provision to assets0.4411%3,346
Net operating income to assets0.6614%3,422
Return on assets (ROA)0.7889%2,991
Pretax return on assets1.1131%2,587
Return on Equity (ROE)7.7510%2,870
Retained earnings to average equity (ytd only)5.2622%2,363
Net charge-offs to loans0.6820%2,338
Credit loss provision to net charge-offs99.1501%4,643
Earnings coverage of net charge-offs (x)3.0899%3,574
Efficiency ratio69.4497%4,890
Assets per employee ($millions)3.3208%5,257
Cash dividends to net income (ytd only)*32.1086%2,764
Condition Ratios (%)
Loss allowance to loans1.3172%4,178
Loan loss allowance to noncurrent loans98.1115%2,944
Noncurrent assets plus other real estate owned to assets0.8853%5,220
Noncurrent loans to loans1.3425%4,529
Net loans and leases to total assets64.7735%4,819
Net loans and leases to deposits81.4274%4,311
Net loans and leases to core deposits94.6425%5,045
Total domestic deposits to total assets79.5476%5,622
Equity capital to assets11.2161%2,741
Core capital (leverage) ratio9.8099%3,507
Tier 1 risk-based capital ratio12.8051%4,288
Total risk-based capital ratio13.9576%4,266
Memoranda:
Average total assets$634,784,0001,126
Average earning assets$585,031,3301,111
Average equity$64,611,3301,048
Average total loans$414,086,0001,213
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0763%6,724
Cost of funding earning assets1.6545%5,796
Net interest margin3.4218%5,043
Noninterest income to average assets1.4142%702
Noninterest expense to average assets3.2266%2,874
Loan and lease loss provision to assets0.2004%4,436
Net operating income to assets0.7860%3,189
Return on assets (ROA)0.8714%2,981
Pretax return on assets1.2540%2,441
Return on Equity (ROE)9.0163%2,713
Retained earnings to average equity (ytd only)5.7400%2,759
Net charge-offs to loans0.2019%3,424
Credit loss provision to net charge-offs152.6316%2,735
Earnings coverage of net charge-offs (x)10.1340%1,974
Efficiency ratio69.7270%4,637
Assets per employee ($millions)3.2820%5,368
Cash dividends to net income (ytd only)*36.3374%2,161
Condition Ratios (%)
Loss allowance to loans1.3598%3,733
Loan loss allowance to noncurrent loans125.5798%2,503
Noncurrent assets plus other real estate owned to assets0.7052%5,389
Noncurrent loans to loans1.0828%4,817
Net loans and leases to total assets63.8668%5,015
Net loans and leases to deposits78.5456%4,840
Net loans and leases to core deposits89.8823%5,564
Total domestic deposits to total assets81.3117%4,832
Equity capital to assets9.7314%4,331
Core capital (leverage) ratio8.2532%5,993
Tier 1 risk-based capital ratio10.7622%6,128
Total risk-based capital ratio11.9220%6,128
Memoranda:
Average total assets$636,701,5001,124
Average earning assets$584,840,0001,117
Average equity$61,533,0001,110
Average total loans$414,057,5001,222
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7031%6,769
Cost of funding earning assets2.2916%5,195
Net interest margin3.4114%5,613
Noninterest income to average assets1.3248%829
Noninterest expense to average assets3.1313%3,580
Loan and lease loss provision to assets0.2572%4,344
Net operating income to assets0.8113%3,391
Return on assets (ROA)0.8113%3,229
Pretax return on assets1.0573%3,192
Return on Equity (ROE)8.4373%2,872
Retained earnings to average equity (ytd only)5.0442%2,002
Net charge-offs to loans0.2952%3,428
Credit loss provision to net charge-offs131.1056%4,061
Earnings coverage of net charge-offs (x)6.7013%3,297
Efficiency ratio69.2974%4,480
Assets per employee ($millions)3.3861%4,976
Cash dividends to net income (ytd only)*40.2154%3,634
Condition Ratios (%)
Loss allowance to loans1.3079%3,721
Loan loss allowance to noncurrent loans144.3623%2,550
Noncurrent assets plus other real estate owned to assets0.6071%5,376
Noncurrent loans to loans0.9060%4,812
Net loans and leases to total assets64.4589%5,180
Net loans and leases to deposits79.5689%5,119
Net loans and leases to core deposits90.0130%5,797
Total domestic deposits to total assets81.0102%4,632
Equity capital to assets9.5980%4,545
Core capital (leverage) ratio8.5102%5,565
Tier 1 risk-based capital ratio10.6082%6,094
Total risk-based capital ratio11.7501%6,089
Memoranda:
Average total assets$617,889,2001,086
Average earning assets$565,274,2001,092
Average equity$59,414,4001,134
Average total loans$410,532,6001,171