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The First National Bank in Sioux Falls, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7906%2,488
Cost of funding earning assets1.8909%1,084
Net interest margin2.8997%3,488
Noninterest income to average assets1.0300%599
Noninterest expense to average assets2.7997%1,499
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.7347%3,096
Return on assets (ROA)0.7316%3,086
Pretax return on assets0.9334%2,865
Return on Equity (ROE)8.4600%2,901
Retained earnings to average equity (ytd only)3.8766%3,003
Net charge-offs to loans0.0401%1,513
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)32.6136%1,583
Efficiency ratio74.9175%1,358
Assets per employee ($millions)6.9861%2,084
Cash dividends to net income (ytd only)*54.1724%1,438
Condition Ratios (%)
Loss allowance to loans1.5356%968
Loan loss allowance to noncurrent loans836.4720%1,018
Noncurrent assets plus other real estate owned to assets0.1261%2,700
Noncurrent loans to loans0.1836%2,596
Net loans and leases to total assets67.6500%2,080
Net loans and leases to deposits79.7180%2,138
Net loans and leases to core deposits84.8879%2,386
Total domestic deposits to total assets84.8600%2,351
Equity capital to assets8.4706%3,075
Core capital (leverage) ratio10.0377%2,752
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.1721%1,486
Memoranda:
Average total assets$1,791,862,400628
Average earning assets$1,671,861,200614
Average equity$154,979,400658
Average total loans$1,284,895,000589
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4992%2,920
Cost of funding earning assets1.7188%1,153
Net interest margin2.7804%3,759
Noninterest income to average assets1.0700%575
Noninterest expense to average assets2.8273%1,371
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.6457%3,438
Return on assets (ROA)0.6415%3,440
Pretax return on assets0.8309%3,265
Return on Equity (ROE)7.3700%3,335
Retained earnings to average equity (ytd only)3.1882%3,466
Net charge-offs to loans0.0644%1,021
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)17.8977%1,888
Efficiency ratio77.1739%1,077
Assets per employee ($millions)6.7382%2,147
Cash dividends to net income (ytd only)*56.7695%1,037
Condition Ratios (%)
Loss allowance to loans1.5273%1,041
Loan loss allowance to noncurrent loans200.2473%2,500
Noncurrent assets plus other real estate owned to assets0.5556%1,051
Noncurrent loans to loans0.7627%1,089
Net loans and leases to total assets71.7300%1,609
Net loans and leases to deposits84.3618%1,710
Net loans and leases to core deposits89.3705%1,971
Total domestic deposits to total assets85.0300%2,490
Equity capital to assets8.1738%2,948
Core capital (leverage) ratio10.8373%2,109
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9013%1,594
Memoranda:
Average total assets$1,757,790,250637
Average earning assets$1,638,556,500627
Average equity$152,892,750662
Average total loans$1,274,923,000593
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4092%2,869
Cost of funding earning assets1.5299%1,191
Net interest margin2.8793%3,682
Noninterest income to average assets1.0900%500
Noninterest expense to average assets2.8779%1,263
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.6941%3,354
Return on assets (ROA)0.6877%3,369
Pretax return on assets0.8851%3,206
Return on Equity (ROE)7.7400%3,304
Retained earnings to average equity (ytd only)2.5576%3,588
Net charge-offs to loans0.0440%1,065
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)28.0072%1,587
Efficiency ratio76.3165%1,148
Assets per employee ($millions)6.4634%2,320
Cash dividends to net income (ytd only)*66.9736%811
Condition Ratios (%)
Loss allowance to loans1.5736%989
Loan loss allowance to noncurrent loans189.4073%2,662
Noncurrent assets plus other real estate owned to assets0.6227%859
Noncurrent loans to loans0.8308%924
Net loans and leases to total assets73.7700%1,322
Net loans and leases to deposits85.7328%1,521
Net loans and leases to core deposits89.9202%1,803
Total domestic deposits to total assets86.0400%2,215
Equity capital to assets8.9259%2,568
Core capital (leverage) ratio10.8474%2,018
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio14.9874%1,580
Memoranda:
Average total assets$1,737,279,000629
Average earning assets$1,619,695,667620
Average equity$154,287,667653
Average total loans$1,258,147,000592
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3286%2,731
Cost of funding earning assets1.2693%1,297
Net interest margin3.0593%3,440
Noninterest income to average assets1.0800%514
Noninterest expense to average assets2.9203%1,197
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.7858%3,239
Return on assets (ROA)0.7731%3,242
Pretax return on assets0.9923%3,018
Return on Equity (ROE)8.7300%3,125
Retained earnings to average equity (ytd only)0.3908%3,964
Net charge-offs to loans-0.0013%3,351
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)0.0000%2,008
Efficiency ratio74.3319%1,310
Assets per employee ($millions)6.3544%2,448
Cash dividends to net income (ytd only)*95.5224%477
Condition Ratios (%)
Loss allowance to loans1.6867%840
Loan loss allowance to noncurrent loans174.6797%2,805
Noncurrent assets plus other real estate owned to assets0.7119%685
Noncurrent loans to loans0.9656%772
Net loans and leases to total assets72.4900%1,374
Net loans and leases to deposits81.8303%1,668
Net loans and leases to core deposits85.5663%1,892
Total domestic deposits to total assets88.5800%1,707
Equity capital to assets9.2428%2,324
Core capital (leverage) ratio10.9637%1,877
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.4837%1,497
Memoranda:
Average total assets$1,733,360,000643
Average earning assets$1,616,053,500632
Average equity$153,547,500670
Average total loans$1,233,255,000612
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5050%3,062
Cost of funding earning assets0.4673%1,598
Net interest margin3.0377%3,335
Noninterest income to average assets1.0700%568
Noninterest expense to average assets2.6485%1,684
Loan and lease loss provision to assets0.0300%2,326
Net operating income to assets0.9572%2,739
Return on assets (ROA)0.9628%2,654
Pretax return on assets1.2758%2,180
Return on Equity (ROE)10.6000%2,615
Retained earnings to average equity (ytd only)4.9509%3,075
Net charge-offs to loans-0.0014%3,395
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)0.0000%2,564
Efficiency ratio67.0865%2,077
Assets per employee ($millions)6.5537%2,292
Cash dividends to net income (ytd only)*53.2770%1,250
Condition Ratios (%)
Loss allowance to loans1.6962%807
Loan loss allowance to noncurrent loans159.3065%2,907
Noncurrent assets plus other real estate owned to assets0.7318%652
Noncurrent loans to loans1.0648%677
Net loans and leases to total assets67.5600%1,877
Net loans and leases to deposits78.2508%1,916
Net loans and leases to core deposits80.1902%2,124
Total domestic deposits to total assets86.3400%2,626
Equity capital to assets8.4980%2,704
Core capital (leverage) ratio10.3037%2,357
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.3749%1,514
Memoranda:
Average total assets$1,793,890,800610
Average earning assets$1,701,958,200588
Average equity$162,999,800630
Average total loans$1,175,588,800592
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3055%3,161
Cost of funding earning assets0.3026%2,132
Net interest margin3.0029%3,209
Noninterest income to average assets1.0800%595
Noninterest expense to average assets2.5554%1,843
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets1.0469%2,291
Return on assets (ROA)1.0544%2,236
Pretax return on assets1.3943%1,734
Return on Equity (ROE)11.4200%2,236
Retained earnings to average equity (ytd only)6.5925%2,523
Net charge-offs to loans-0.0182%3,959
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)0.0000%2,297
Efficiency ratio64.8551%2,428
Assets per employee ($millions)6.6926%2,167
Cash dividends to net income (ytd only)*42.2725%1,488
Condition Ratios (%)
Loss allowance to loans1.6996%876
Loan loss allowance to noncurrent loans156.3021%2,980
Noncurrent assets plus other real estate owned to assets0.7577%665
Noncurrent loans to loans1.0874%691
Net loans and leases to total assets68.4900%1,618
Net loans and leases to deposits75.8771%1,887
Net loans and leases to core deposits78.6095%2,000
Total domestic deposits to total assets90.2700%1,540
Equity capital to assets8.5414%2,515
Core capital (leverage) ratio9.8245%2,732
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.9644%1,438
Memoranda:
Average total assets$1,795,073,750614
Average earning assets$1,711,025,750587
Average equity$165,739,250626
Average total loans$1,162,072,500593
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9829%3,598
Cost of funding earning assets0.1100%4,081
Net interest margin2.8729%3,238
Noninterest income to average assets1.0724%579
Noninterest expense to average assets2.5206%1,861
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.9753%2,242
Return on assets (ROA)0.9864%2,179
Pretax return on assets1.3147%1,694
Return on Equity (ROE)10.4362%2,181
Retained earnings to average equity (ytd only)4.3824%2,932
Net charge-offs to loans-0.0063%3,420
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio65.9632%2,515
Assets per employee ($millions)7.4716%1,630
Cash dividends to net income (ytd only)*58.0080%1,130
Condition Ratios (%)
Loss allowance to loans1.6996%959
Loan loss allowance to noncurrent loans138.5738%3,088
Noncurrent assets plus other real estate owned to assets0.7436%710
Noncurrent loans to loans1.2265%650
Net loans and leases to total assets59.5996%2,366
Net loans and leases to deposits75.9135%1,689
Net loans and leases to core deposits78.2934%1,838
Total domestic deposits to total assets78.5099%4,329
Equity capital to assets7.9179%3,186
Core capital (leverage) ratio10.4797%1,960
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio15.7520%1,496
Memoranda:
Average total assets$1,817,868,000597
Average earning assets$1,739,441,667576
Average equity$171,824,667615
Average total loans$1,148,384,333588
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9788%3,315
Cost of funding earning assets0.0512%4,595
Net interest margin2.9276%2,742
Noninterest income to average assets1.1856%493
Noninterest expense to average assets2.6277%1,532
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets1.0162%1,804
Return on assets (ROA)1.0162%1,799
Pretax return on assets1.3688%1,331
Return on Equity (ROE)9.8460%2,023
Retained earnings to average equity (ytd only)0.0490%4,005
Net charge-offs to loans0.0021%1,744
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)992.6667%85
Efficiency ratio65.7504%2,796
Assets per employee ($millions)6.6952%2,226
Cash dividends to net income (ytd only)*99.5025%519
Condition Ratios (%)
Loss allowance to loans1.7709%923
Loan loss allowance to noncurrent loans142.5439%3,033
Noncurrent assets plus other real estate owned to assets0.8270%661
Noncurrent loans to loans1.2424%705
Net loans and leases to total assets65.3878%1,475
Net loans and leases to deposits73.2057%1,675
Net loans and leases to core deposits75.2333%1,827
Total domestic deposits to total assets89.3207%1,914
Equity capital to assets9.7090%2,121
Core capital (leverage) ratio10.7795%1,634
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.2012%1,459
Memoranda:
Average total assets$1,740,557,000623
Average earning assets$1,671,130,000601
Average equity$179,647,000601
Average total loans$1,124,615,500595
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3211%3,143
Cost of funding earning assets0.0588%4,646
Net interest margin3.2623%2,431
Noninterest income to average assets1.0899%870
Noninterest expense to average assets2.8161%1,322
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets1.0462%2,493
Return on assets (ROA)1.0784%2,449
Pretax return on assets1.4448%1,897
Return on Equity (ROE)9.0601%2,888
Retained earnings to average equity (ytd only)6.0283%2,350
Net charge-offs to loans-0.0384%4,210
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.7296%2,158
Assets per employee ($millions)6.4017%2,410
Cash dividends to net income (ytd only)*33.4633%2,358
Condition Ratios (%)
Loss allowance to loans1.8381%813
Loan loss allowance to noncurrent loans147.3386%2,988
Noncurrent assets plus other real estate owned to assets0.7822%773
Noncurrent loans to loans1.2475%771
Net loans and leases to total assets61.5498%1,991
Net loans and leases to deposits70.0701%2,126
Net loans and leases to core deposits72.3201%2,231
Total domestic deposits to total assets87.8402%2,129
Equity capital to assets10.9196%1,836
Core capital (leverage) ratio10.7879%1,700
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio16.9670%1,273
Memoranda:
Average total assets$1,593,951,600651
Average earning assets$1,529,453,200626
Average equity$189,721,000566
Average total loans$1,066,453,800617
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3711%3,189
Cost of funding earning assets0.0600%4,736
Net interest margin3.3111%2,388
Noninterest income to average assets1.0656%972
Noninterest expense to average assets2.8144%1,309
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets1.0535%2,717
Return on assets (ROA)1.0975%2,622
Pretax return on assets1.4811%2,045
Return on Equity (ROE)9.0098%3,108
Retained earnings to average equity (ytd only)6.3650%2,667
Net charge-offs to loans-0.0583%4,416
Credit loss provision to net charge-offs0.0000%2,044
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3810%2,048
Assets per employee ($millions)6.2271%2,471
Cash dividends to net income (ytd only)*29.3551%2,110
Condition Ratios (%)
Loss allowance to loans1.8916%783
Loan loss allowance to noncurrent loans105.3932%3,347
Noncurrent assets plus other real estate owned to assets1.1697%514
Noncurrent loans to loans1.7948%539
Net loans and leases to total assets63.9379%1,784
Net loans and leases to deposits73.3967%1,916
Net loans and leases to core deposits75.9600%2,050
Total domestic deposits to total assets87.1127%2,311
Equity capital to assets11.6763%1,553
Core capital (leverage) ratio11.6476%1,308
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.7047%1,189
Memoranda:
Average total assets$1,552,325,750675
Average earning assets$1,488,101,250648
Average equity$189,092,500575
Average total loans$1,057,105,750635
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2481%3,565
Cost of funding earning assets0.0628%4,779
Net interest margin3.1852%2,797
Noninterest income to average assets1.0874%943
Noninterest expense to average assets2.7840%1,389
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.0216%2,817
Return on assets (ROA)1.0176%2,910
Pretax return on assets1.3535%2,464
Return on Equity (ROE)8.2300%3,339
Retained earnings to average equity (ytd only)5.0890%3,150
Net charge-offs to loans-0.0382%4,253
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.2025%1,983
Assets per employee ($millions)5.8695%2,741
Cash dividends to net income (ytd only)*38.1661%1,693
Condition Ratios (%)
Loss allowance to loans1.8549%803
Loan loss allowance to noncurrent loans100.5005%3,353
Noncurrent assets plus other real estate owned to assets1.2702%516
Noncurrent loans to loans1.8457%556
Net loans and leases to total assets67.5443%1,507
Net loans and leases to deposits77.7692%1,652
Net loans and leases to core deposits79.4157%1,932
Total domestic deposits to total assets86.8522%2,405
Equity capital to assets12.0634%1,332
Core capital (leverage) ratio11.3430%1,393
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5651%1,217
Memoranda:
Average total assets$1,519,710,667680
Average earning assets$1,457,671,333654
Average equity$187,897,000575
Average total loans$1,050,998,667642
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3601%3,308
Cost of funding earning assets0.0626%4,818
Net interest margin3.2975%2,400
Noninterest income to average assets1.0572%1,045
Noninterest expense to average assets2.8071%1,354
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.0722%2,565
Return on assets (ROA)1.0722%2,646
Pretax return on assets1.4095%2,256
Return on Equity (ROE)8.5620%3,166
Retained earnings to average equity (ytd only)4.9250%3,241
Net charge-offs to loans-0.0317%4,198
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.5735%2,151
Assets per employee ($millions)5.6115%3,010
Cash dividends to net income (ytd only)*42.4788%1,318
Condition Ratios (%)
Loss allowance to loans1.9090%731
Loan loss allowance to noncurrent loans92.9416%3,426
Noncurrent assets plus other real estate owned to assets1.4498%457
Noncurrent loans to loans2.0540%521
Net loans and leases to total assets69.2369%1,388
Net loans and leases to deposits80.1884%1,503
Net loans and leases to core deposits81.9981%1,838
Total domestic deposits to total assets86.3427%2,607
Equity capital to assets12.5558%1,061
Core capital (leverage) ratio12.0952%1,125
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.0114%1,069
Memoranda:
Average total assets$1,493,049,000679
Average earning assets$1,430,542,500662
Average equity$186,965,000571
Average total loans$1,035,210,000654
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7123%3,548
Cost of funding earning assets0.2017%4,582
Net interest margin3.5106%2,441
Noninterest income to average assets1.1198%847
Noninterest expense to average assets2.9825%1,471
Loan and lease loss provision to assets0.0000%4,319
Net operating income to assets1.1429%1,753
Return on assets (ROA)1.1429%1,877
Pretax return on assets1.4937%1,350
Return on Equity (ROE)8.8840%2,447
Retained earnings to average equity (ytd only)5.9268%1,827
Net charge-offs to loans-0.0366%4,600
Credit loss provision to net charge-offs0.0000%3,264
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.6298%2,421
Assets per employee ($millions)5.6145%2,727
Cash dividends to net income (ytd only)*33.2873%2,693
Condition Ratios (%)
Loss allowance to loans1.9401%657
Loan loss allowance to noncurrent loans93.7960%3,417
Noncurrent assets plus other real estate owned to assets1.4087%544
Noncurrent loans to loans2.0684%541
Net loans and leases to total assets66.7843%1,979
Net loans and leases to deposits77.9537%2,073
Net loans and leases to core deposits79.6705%2,397
Total domestic deposits to total assets85.6717%2,501
Equity capital to assets12.4895%1,329
Core capital (leverage) ratio11.6513%1,393
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.2416%1,010
Memoranda:
Average total assets$1,393,675,200660
Average earning assets$1,332,465,800632
Average equity$179,288,600562
Average total loans$994,550,800644
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7145%3,769
Cost of funding earning assets0.2424%4,532
Net interest margin3.4722%2,682
Noninterest income to average assets1.1442%803
Noninterest expense to average assets2.9630%1,520
Loan and lease loss provision to assets0.0000%4,239
Net operating income to assets1.1518%1,814
Return on assets (ROA)1.1518%1,929
Pretax return on assets1.5022%1,445
Return on Equity (ROE)8.8822%2,444
Retained earnings to average equity (ytd only)5.4942%2,328
Net charge-offs to loans-0.0766%4,775
Credit loss provision to net charge-offs0.0000%3,006
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.3570%2,423
Assets per employee ($millions)5.2578%2,939
Cash dividends to net income (ytd only)*38.1441%2,008
Condition Ratios (%)
Loss allowance to loans1.8898%599
Loan loss allowance to noncurrent loans83.6269%3,512
Noncurrent assets plus other real estate owned to assets1.6854%471
Noncurrent loans to loans2.2598%502
Net loans and leases to total assets73.1724%1,476
Net loans and leases to deposits88.4834%1,431
Net loans and leases to core deposits90.7370%1,905
Total domestic deposits to total assets82.6961%3,225
Equity capital to assets13.0076%1,180
Core capital (leverage) ratio12.0996%1,295
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.8216%1,080
Memoranda:
Average total assets$1,365,925,250658
Average earning assets$1,306,473,750626
Average equity$177,129,250561
Average total loans$986,996,750639
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7100%4,065
Cost of funding earning assets0.3086%4,449
Net interest margin3.4014%3,098
Noninterest income to average assets1.0759%863
Noninterest expense to average assets3.0298%1,506
Loan and lease loss provision to assets0.0000%4,134
Net operating income to assets0.9992%2,333
Return on assets (ROA)0.9992%2,453
Pretax return on assets1.2975%2,036
Return on Equity (ROE)7.7136%2,856
Retained earnings to average equity (ytd only)3.4692%3,193
Net charge-offs to loans-0.1046%4,859
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.0161%1,955
Assets per employee ($millions)5.4730%2,668
Cash dividends to net income (ytd only)*55.0253%1,388
Condition Ratios (%)
Loss allowance to loans1.9037%527
Loan loss allowance to noncurrent loans79.3303%3,534
Noncurrent assets plus other real estate owned to assets1.8056%437
Noncurrent loans to loans2.3998%503
Net loans and leases to total assets72.2136%1,668
Net loans and leases to deposits86.3298%1,726
Net loans and leases to core deposits88.9091%2,167
Total domestic deposits to total assets83.6485%2,868
Equity capital to assets12.6291%1,326
Core capital (leverage) ratio12.0028%1,371
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.5710%1,120
Memoranda:
Average total assets$1,346,281,667653
Average earning assets$1,286,944,000619
Average equity$174,392,667567
Average total loans$961,767,667645
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9652%3,886
Cost of funding earning assets0.4325%4,228
Net interest margin3.5327%2,876
Noninterest income to average assets1.3310%505
Noninterest expense to average assets3.5296%893
Loan and lease loss provision to assets0.0000%3,711
Net operating income to assets0.8906%2,553
Return on assets (ROA)0.8906%2,655
Pretax return on assets1.1606%2,333
Return on Equity (ROE)6.7823%3,035
Retained earnings to average equity (ytd only)2.1145%3,400
Net charge-offs to loans-0.1732%4,926
Credit loss provision to net charge-offs0.0000%2,252
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.2548%1,654
Assets per employee ($millions)4.8875%2,770
Cash dividends to net income (ytd only)*68.8231%1,226
Condition Ratios (%)
Loss allowance to loans2.1652%396
Loan loss allowance to noncurrent loans69.6882%3,745
Noncurrent assets plus other real estate owned to assets2.2923%321
Noncurrent loans to loans3.1070%334
Net loans and leases to total assets70.8011%2,120
Net loans and leases to deposits87.5344%1,805
Net loans and leases to core deposits90.9878%2,252
Total domestic deposits to total assets80.8837%3,691
Equity capital to assets13.6607%1,157
Core capital (leverage) ratio12.8110%1,280
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.7800%1,175
Memoranda:
Average total assets$1,305,194,500639
Average earning assets$1,241,082,500613
Average equity$171,388,500574
Average total loans$916,872,500657
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3235%3,472
Cost of funding earning assets0.6194%3,561
Net interest margin3.7042%2,804
Noninterest income to average assets1.5811%372
Noninterest expense to average assets3.5513%902
Loan and lease loss provision to assets0.0000%3,973
Net operating income to assets1.1810%2,129
Return on assets (ROA)1.2042%2,134
Pretax return on assets1.5667%1,600
Return on Equity (ROE)9.2573%2,636
Retained earnings to average equity (ytd only)5.4315%2,203
Net charge-offs to loans0.0127%3,235
Credit loss provision to net charge-offs0.0000%3,383
Earnings coverage of net charge-offs (x)165.1638%455
Efficiency ratio69.7893%2,201
Assets per employee ($millions)5.0552%2,510
Cash dividends to net income (ytd only)*41.3274%2,530
Condition Ratios (%)
Loss allowance to loans2.1348%374
Loan loss allowance to noncurrent loans101.0407%3,276
Noncurrent assets plus other real estate owned to assets1.4833%688
Noncurrent loans to loans2.1128%595
Net loans and leases to total assets66.7802%2,861
Net loans and leases to deposits77.8662%3,022
Net loans and leases to core deposits84.0480%2,946
Total domestic deposits to total assets85.7628%2,154
Equity capital to assets12.6290%1,751
Core capital (leverage) ratio13.0704%1,206
Tier 1 risk-based capital ratio16.5233%2,208
Total risk-based capital ratio17.7832%2,150
Memoranda:
Average total assets$1,246,260,800635
Average earning assets$1,180,101,600613
Average equity$162,109,600575
Average total loans$916,294,600632
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4267%3,273
Cost of funding earning assets0.6713%3,347
Net interest margin3.7555%2,733
Noninterest income to average assets1.5438%382
Noninterest expense to average assets3.5378%910
Loan and lease loss provision to assets0.0000%3,836
Net operating income to assets1.1954%2,206
Return on assets (ROA)1.2002%2,273
Pretax return on assets1.5651%1,763
Return on Equity (ROE)9.1536%2,826
Retained earnings to average equity (ytd only)5.1614%2,812
Net charge-offs to loans-0.0574%4,867
Credit loss provision to net charge-offs0.0000%3,032
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio69.4111%2,202
Assets per employee ($millions)4.6081%3,041
Cash dividends to net income (ytd only)*43.6137%1,994
Condition Ratios (%)
Loss allowance to loans2.1699%347
Loan loss allowance to noncurrent loans105.0239%3,237
Noncurrent assets plus other real estate owned to assets1.5616%685
Noncurrent loans to loans2.0661%643
Net loans and leases to total assets73.9387%1,830
Net loans and leases to deposits90.4029%1,646
Net loans and leases to core deposits98.2848%1,801
Total domestic deposits to total assets81.7880%3,535
Equity capital to assets13.7607%1,250
Core capital (leverage) ratio13.2221%1,248
Tier 1 risk-based capital ratio16.2317%2,357
Total risk-based capital ratio17.4922%2,281
Memoranda:
Average total assets$1,222,917,500647
Average earning assets$1,157,008,250627
Average equity$160,341,250582
Average total loans$916,837,000633
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2631%3,753
Cost of funding earning assets0.6530%3,395
Net interest margin3.6101%3,220
Noninterest income to average assets1.3795%458
Noninterest expense to average assets3.5413%914
Loan and lease loss provision to assets0.0000%3,685
Net operating income to assets0.9711%3,024
Return on assets (ROA)0.9782%3,070
Pretax return on assets1.2667%2,689
Return on Equity (ROE)7.5855%3,462
Retained earnings to average equity (ytd only)3.2743%3,587
Net charge-offs to loans-0.0798%4,958
Credit loss provision to net charge-offs0.0000%2,725
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.7925%1,668
Assets per employee ($millions)4.5962%3,010
Cash dividends to net income (ytd only)*56.8349%1,504
Condition Ratios (%)
Loss allowance to loans2.1354%368
Loan loss allowance to noncurrent loans98.2267%3,360
Noncurrent assets plus other real estate owned to assets1.6652%638
Noncurrent loans to loans2.1739%623
Net loans and leases to total assets74.9621%1,730
Net loans and leases to deposits89.1484%1,838
Net loans and leases to core deposits96.6239%2,008
Total domestic deposits to total assets84.0869%2,821
Equity capital to assets13.2607%1,463
Core capital (leverage) ratio12.9559%1,315
Tier 1 risk-based capital ratio15.9534%2,434
Total risk-based capital ratio17.2139%2,373
Memoranda:
Average total assets$1,223,504,330647
Average earning assets$1,158,926,670626
Average equity$157,775,000587
Average total loans$914,804,330627
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1078%4,104
Cost of funding earning assets0.6403%3,355
Net interest margin3.4675%3,691
Noninterest income to average assets1.3553%465
Noninterest expense to average assets3.5648%880
Loan and lease loss provision to assets0.0000%3,406
Net operating income to assets0.8330%3,505
Return on assets (ROA)0.8330%3,545
Pretax return on assets1.0700%3,240
Return on Equity (ROE)6.5526%3,822
Retained earnings to average equity (ytd only)1.4113%4,219
Net charge-offs to loans0.0305%1,842
Credit loss provision to net charge-offs0.0000%2,210
Earnings coverage of net charge-offs (x)47.4493%1,055
Efficiency ratio76.9144%1,389
Assets per employee ($millions)4.5713%3,089
Cash dividends to net income (ytd only)*78.4621%960
Condition Ratios (%)
Loss allowance to loans2.1365%397
Loan loss allowance to noncurrent loans75.4416%3,776
Noncurrent assets plus other real estate owned to assets2.1568%417
Noncurrent loans to loans2.8320%413
Net loans and leases to total assets74.5298%1,712
Net loans and leases to deposits87.2237%1,968
Net loans and leases to core deposits93.0554%2,205
Total domestic deposits to total assets85.4467%2,507
Equity capital to assets13.1110%1,390
Core capital (leverage) ratio13.1061%1,221
Tier 1 risk-based capital ratio15.9124%2,482
Total risk-based capital ratio17.1726%2,408
Memoranda:
Average total assets$1,223,968,500652
Average earning assets$1,157,593,500635
Average equity$155,601,500587
Average total loans$903,973,500639
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0686%3,844
Cost of funding earning assets0.4200%3,861
Net interest margin3.6485%3,229
Noninterest income to average assets1.5301%395
Noninterest expense to average assets3.6177%849
Loan and lease loss provision to assets0.0000%4,082
Net operating income to assets1.0474%2,814
Return on assets (ROA)1.0539%2,773
Pretax return on assets1.3672%2,250
Return on Equity (ROE)8.3313%3,307
Retained earnings to average equity (ytd only)5.1274%2,701
Net charge-offs to loans-0.0031%4,287
Credit loss provision to net charge-offs0.0000%3,452
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.6919%1,812
Assets per employee ($millions)4.6830%2,903
Cash dividends to net income (ytd only)*38.4560%2,614
Condition Ratios (%)
Loss allowance to loans2.1999%330
Loan loss allowance to noncurrent loans138.1492%2,864
Noncurrent assets plus other real estate owned to assets1.1407%1,163
Noncurrent loans to loans1.5924%922
Net loans and leases to total assets70.0593%2,554
Net loans and leases to deposits81.5570%2,790
Net loans and leases to core deposits87.5767%2,783
Total domestic deposits to total assets85.9022%2,284
Equity capital to assets12.3286%1,677
Core capital (leverage) ratio12.7340%1,357
Tier 1 risk-based capital ratio16.2125%2,339
Total risk-based capital ratio17.4735%2,279
Memoranda:
Average total assets$1,182,420,800647
Average earning assets$1,117,031,200632
Average equity$149,569,200571
Average total loans$874,547,600636
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0175%3,874
Cost of funding earning assets0.3868%3,961
Net interest margin3.6308%3,265
Noninterest income to average assets1.5034%424
Noninterest expense to average assets3.6404%806
Loan and lease loss provision to assets0.0000%3,948
Net operating income to assets1.0126%3,031
Return on assets (ROA)1.0208%3,014
Pretax return on assets1.3076%2,595
Return on Equity (ROE)8.0159%3,544
Retained earnings to average equity (ytd only)5.1522%3,154
Net charge-offs to loans-0.0587%4,991
Credit loss provision to net charge-offs0.0000%3,085
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.7287%1,635
Assets per employee ($millions)4.6164%2,962
Cash dividends to net income (ytd only)*35.7255%2,271
Condition Ratios (%)
Loss allowance to loans2.2192%351
Loan loss allowance to noncurrent loans84.8747%3,725
Noncurrent assets plus other real estate owned to assets1.9697%543
Noncurrent loans to loans2.6147%483
Net loans and leases to total assets73.6587%2,046
Net loans and leases to deposits92.7611%1,525
Net loans and leases to core deposits100.4091%1,748
Total domestic deposits to total assets79.4070%4,232
Equity capital to assets12.5452%1,555
Core capital (leverage) ratio12.9307%1,311
Tier 1 risk-based capital ratio15.8071%2,526
Total risk-based capital ratio17.0682%2,456
Memoranda:
Average total assets$1,166,604,500654
Average earning assets$1,103,470,000640
Average equity$148,567,500572
Average total loans$870,097,000634
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8273%4,280
Cost of funding earning assets0.3141%4,319
Net interest margin3.5132%3,589
Noninterest income to average assets1.5097%424
Noninterest expense to average assets3.6198%849
Loan and lease loss provision to assets0.0000%3,782
Net operating income to assets0.9486%3,244
Return on assets (ROA)0.9626%3,183
Pretax return on assets1.2295%2,823
Return on Equity (ROE)7.5197%3,715
Retained earnings to average equity (ytd only)4.2919%3,457
Net charge-offs to loans-0.0670%5,022
Credit loss provision to net charge-offs0.0000%2,759
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.9186%1,578
Assets per employee ($millions)4.5783%2,998
Cash dividends to net income (ytd only)*42.9239%1,984
Condition Ratios (%)
Loss allowance to loans2.2310%352
Loan loss allowance to noncurrent loans62.6472%4,151
Noncurrent assets plus other real estate owned to assets2.6473%312
Noncurrent loans to loans3.5612%271
Net loans and leases to total assets72.6775%2,172
Net loans and leases to deposits89.6622%1,887
Net loans and leases to core deposits96.7670%1,986
Total domestic deposits to total assets81.0571%3,979
Equity capital to assets12.3895%1,601
Core capital (leverage) ratio12.9434%1,246
Tier 1 risk-based capital ratio15.7712%2,528
Total risk-based capital ratio17.0325%2,466
Memoranda:
Average total assets$1,156,926,670663
Average earning assets$1,093,933,330645
Average equity$148,091,670570
Average total loans$859,902,670640
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7672%4,306
Cost of funding earning assets0.2804%4,504
Net interest margin3.4868%3,578
Noninterest income to average assets1.5188%421
Noninterest expense to average assets3.7043%754
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets0.8730%3,405
Return on assets (ROA)0.9013%3,289
Pretax return on assets1.1483%2,973
Return on Equity (ROE)6.9241%3,817
Retained earnings to average equity (ytd only)2.6219%4,128
Net charge-offs to loans-0.1711%5,345
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.9068%1,473
Assets per employee ($millions)4.3984%3,324
Cash dividends to net income (ytd only)*62.1336%1,207
Condition Ratios (%)
Loss allowance to loans2.3392%308
Loan loss allowance to noncurrent loans58.9576%4,259
Noncurrent assets plus other real estate owned to assets2.9613%273
Noncurrent loans to loans3.9677%253
Net loans and leases to total assets72.8906%2,041
Net loans and leases to deposits89.3314%1,774
Net loans and leases to core deposits96.2780%1,956
Total domestic deposits to total assets81.5957%4,068
Equity capital to assets12.8502%1,318
Core capital (leverage) ratio13.1787%1,114
Tier 1 risk-based capital ratio16.1832%2,396
Total risk-based capital ratio17.4458%2,344
Memoranda:
Average total assets$1,135,638,000678
Average earning assets$1,074,115,500659
Average equity$147,831,500571
Average total loans$844,022,500648
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6466%4,460
Cost of funding earning assets0.2331%4,704
Net interest margin3.4135%3,805
Noninterest income to average assets1.5253%458
Noninterest expense to average assets3.5473%962
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets0.5956%4,027
Return on assets (ROA)0.5963%4,068
Pretax return on assets1.2087%2,741
Return on Equity (ROE)4.6000%4,318
Retained earnings to average equity (ytd only)1.7709%4,254
Net charge-offs to loans0.0757%2,368
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)22.3441%1,856
Efficiency ratio74.6024%1,807
Assets per employee ($millions)4.1613%3,717
Cash dividends to net income (ytd only)*61.5024%1,682
Condition Ratios (%)
Loss allowance to loans2.3492%296
Loan loss allowance to noncurrent loans60.7380%4,264
Noncurrent assets plus other real estate owned to assets2.8623%293
Noncurrent loans to loans3.8678%254
Net loans and leases to total assets72.2634%2,188
Net loans and leases to deposits86.4680%2,202
Net loans and leases to core deposits92.1165%2,370
Total domestic deposits to total assets83.5724%3,365
Equity capital to assets13.1871%1,174
Core capital (leverage) ratio12.7835%1,223
Tier 1 risk-based capital ratio15.5297%2,614
Total risk-based capital ratio16.7910%2,547
Memoranda:
Average total assets$1,145,279,600648
Average earning assets$1,083,604,200630
Average equity$148,457,600548
Average total loans$817,305,400646
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6027%4,551
Cost of funding earning assets0.2325%4,726
Net interest margin3.3702%3,948
Noninterest income to average assets1.4847%490
Noninterest expense to average assets3.5554%912
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.7653%3,667
Return on assets (ROA)0.7662%3,718
Pretax return on assets1.1203%3,231
Return on Equity (ROE)5.9363%4,157
Retained earnings to average equity (ytd only)3.3756%3,917
Net charge-offs to loans-0.0216%4,876
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.0625%1,578
Assets per employee ($millions)4.2570%3,552
Cash dividends to net income (ytd only)*43.1361%2,118
Condition Ratios (%)
Loss allowance to loans2.4445%282
Loan loss allowance to noncurrent loans60.7569%4,326
Noncurrent assets plus other real estate owned to assets2.9367%311
Noncurrent loans to loans4.0234%240
Net loans and leases to total assets71.2064%2,376
Net loans and leases to deposits87.6747%2,106
Net loans and leases to core deposits97.5076%1,925
Total domestic deposits to total assets81.2166%3,991
Equity capital to assets13.2517%1,274
Core capital (leverage) ratio13.0027%1,206
Tier 1 risk-based capital ratio15.5571%2,688
Total risk-based capital ratio16.8192%2,624
Memoranda:
Average total assets$1,149,673,250651
Average earning assets$1,088,044,750628
Average equity$148,394,000552
Average total loans$813,001,000648
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5482%4,638
Cost of funding earning assets0.2128%4,862
Net interest margin3.3354%3,996
Noninterest income to average assets1.4624%504
Noninterest expense to average assets3.4952%1,018
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.7687%3,553
Return on assets (ROA)0.7701%3,595
Pretax return on assets1.1300%3,053
Return on Equity (ROE)6.0191%4,039
Retained earnings to average equity (ytd only)3.1710%3,826
Net charge-offs to loans-0.0357%5,030
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.6033%1,788
Assets per employee ($millions)4.3893%3,289
Cash dividends to net income (ytd only)*47.3186%1,978
Condition Ratios (%)
Loss allowance to loans2.4633%293
Loan loss allowance to noncurrent loans59.8004%4,376
Noncurrent assets plus other real estate owned to assets2.9282%319
Noncurrent loans to loans4.1193%223
Net loans and leases to total assets69.3350%2,613
Net loans and leases to deposits84.1684%2,448
Net loans and leases to core deposits94.6717%2,094
Total domestic deposits to total assets82.3765%3,777
Equity capital to assets12.9068%1,416
Core capital (leverage) ratio12.6343%1,324
Tier 1 risk-based capital ratio15.6318%2,650
Total risk-based capital ratio16.8943%2,579
Memoranda:
Average total assets$1,152,603,000650
Average earning assets$1,092,210,000631
Average equity$147,463,330554
Average total loans$806,422,000654
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4928%4,712
Cost of funding earning assets0.1954%5,016
Net interest margin3.2974%4,015
Noninterest income to average assets1.4162%534
Noninterest expense to average assets3.5087%1,027
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.6999%3,702
Return on assets (ROA)0.7018%3,732
Pretax return on assets1.0288%3,241
Return on Equity (ROE)5.5101%4,142
Retained earnings to average equity (ytd only)2.2254%4,254
Net charge-offs to loans-0.0176%4,675
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.3737%1,711
Assets per employee ($millions)4.3066%3,497
Cash dividends to net income (ytd only)*59.6125%1,440
Condition Ratios (%)
Loss allowance to loans2.5261%303
Loan loss allowance to noncurrent loans84.1985%3,917
Noncurrent assets plus other real estate owned to assets2.1163%605
Noncurrent loans to loans3.0001%461
Net loans and leases to total assets68.7578%2,563
Net loans and leases to deposits81.7456%2,544
Net loans and leases to core deposits92.4591%2,122
Total domestic deposits to total assets84.1120%3,440
Equity capital to assets12.9450%1,276
Core capital (leverage) ratio12.9090%1,181
Tier 1 risk-based capital ratio16.0087%2,545
Total risk-based capital ratio17.2721%2,492
Memoranda:
Average total assets$1,147,325,000656
Average earning assets$1,085,082,000638
Average equity$146,131,500552
Average total loans$796,211,000662
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5960%4,513
Cost of funding earning assets0.1909%5,099
Net interest margin3.4051%3,808
Noninterest income to average assets1.4408%556
Noninterest expense to average assets3.4568%1,238
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.7742%3,431
Return on assets (ROA)0.7957%3,424
Pretax return on assets1.1479%2,906
Return on Equity (ROE)6.0369%3,963
Retained earnings to average equity (ytd only)3.2253%3,619
Net charge-offs to loans-0.0118%4,978
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.5821%2,047
Assets per employee ($millions)4.1795%3,650
Cash dividends to net income (ytd only)*46.5735%2,491
Condition Ratios (%)
Loss allowance to loans2.5586%287
Loan loss allowance to noncurrent loans98.2558%3,666
Noncurrent assets plus other real estate owned to assets1.7779%837
Noncurrent loans to loans2.6040%588
Net loans and leases to total assets66.5282%2,998
Net loans and leases to deposits80.3188%2,854
Net loans and leases to core deposits88.1942%2,647
Total domestic deposits to total assets82.8302%3,823
Equity capital to assets12.5322%1,507
Core capital (leverage) ratio12.3767%1,392
Tier 1 risk-based capital ratio15.9362%2,574
Total risk-based capital ratio17.1995%2,501
Memoranda:
Average total assets$1,133,349,200632
Average earning assets$1,042,729,200632
Average equity$149,381,400531
Average total loans$782,954,200639
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6323%4,460
Cost of funding earning assets0.1923%5,151
Net interest margin3.4401%3,703
Noninterest income to average assets1.4346%580
Noninterest expense to average assets3.4901%1,169
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.7615%3,554
Return on assets (ROA)0.7907%3,550
Pretax return on assets1.1312%3,109
Return on Equity (ROE)5.9241%4,101
Retained earnings to average equity (ytd only)3.2656%3,949
Net charge-offs to loans-0.0145%4,899
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2106%1,944
Assets per employee ($millions)4.1091%3,771
Cash dividends to net income (ytd only)*44.8766%2,130
Condition Ratios (%)
Loss allowance to loans2.5477%320
Loan loss allowance to noncurrent loans92.4332%3,781
Noncurrent assets plus other real estate owned to assets1.9787%791
Noncurrent loans to loans2.7562%592
Net loans and leases to total assets69.9621%2,491
Net loans and leases to deposits85.5466%2,309
Net loans and leases to core deposits95.6828%2,029
Total domestic deposits to total assets81.7824%4,011
Equity capital to assets13.4904%1,251
Core capital (leverage) ratio12.9101%1,223
Tier 1 risk-based capital ratio15.9252%2,658
Total risk-based capital ratio17.1885%2,588
Memoranda:
Average total assets$1,127,259,250636
Average earning assets$1,030,571,750641
Average equity$150,455,250528
Average total loans$781,086,000641
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7003%4,301
Cost of funding earning assets0.1919%5,223
Net interest margin3.5084%3,459
Noninterest income to average assets1.4097%581
Noninterest expense to average assets3.4798%1,202
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.7815%3,395
Return on assets (ROA)0.7910%3,492
Pretax return on assets1.1151%3,136
Return on Equity (ROE)5.9469%4,075
Retained earnings to average equity (ytd only)2.7660%4,136
Net charge-offs to loans-0.0142%4,815
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.9523%2,087
Assets per employee ($millions)4.3590%3,285
Cash dividends to net income (ytd only)*53.4879%1,809
Condition Ratios (%)
Loss allowance to loans2.5405%346
Loan loss allowance to noncurrent loans164.5098%2,676
Noncurrent assets plus other real estate owned to assets1.0704%1,986
Noncurrent loans to loans1.5443%1,396
Net loans and leases to total assets67.5515%2,856
Net loans and leases to deposits83.5680%2,519
Net loans and leases to core deposits93.0301%2,255
Total domestic deposits to total assets80.8342%4,322
Equity capital to assets13.3448%1,306
Core capital (leverage) ratio12.6567%1,278
Tier 1 risk-based capital ratio16.4996%2,428
Total risk-based capital ratio17.7632%2,369
Memoranda:
Average total assets$1,134,562,330638
Average earning assets$1,025,697,670640
Average equity$150,901,670525
Average total loans$776,933,670644
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8217%3,866
Cost of funding earning assets0.2041%5,162
Net interest margin3.6177%3,013
Noninterest income to average assets1.3751%587
Noninterest expense to average assets3.4665%1,243
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.8050%3,219
Return on assets (ROA)0.8034%3,341
Pretax return on assets1.1235%2,998
Return on Equity (ROE)6.0510%3,961
Retained earnings to average equity (ytd only)1.2465%4,755
Net charge-offs to loans0.0385%2,222
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)42.9189%971
Efficiency ratio75.4882%2,256
Assets per employee ($millions)4.1973%3,595
Cash dividends to net income (ytd only)*79.4001%1,008
Condition Ratios (%)
Loss allowance to loans2.5913%358
Loan loss allowance to noncurrent loans561.5342%918
Noncurrent assets plus other real estate owned to assets0.3187%4,293
Noncurrent loans to loans0.4615%3,792
Net loans and leases to total assets67.2792%2,764
Net loans and leases to deposits81.9242%2,550
Net loans and leases to core deposits90.7305%2,304
Total domestic deposits to total assets82.1237%4,186
Equity capital to assets13.4419%1,201
Core capital (leverage) ratio12.8242%1,225
Tier 1 risk-based capital ratio17.0854%2,259
Total risk-based capital ratio18.3504%2,218
Memoranda:
Average total assets$1,128,635,500642
Average earning assets$1,003,624,000657
Average equity$149,859,000526
Average total loans$768,096,500652
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0747%3,021
Cost of funding earning assets0.2411%4,876
Net interest margin3.8335%2,262
Noninterest income to average assets1.4870%561
Noninterest expense to average assets3.3830%1,524
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets1.0854%1,988
Return on assets (ROA)1.0961%2,015
Pretax return on assets1.6431%1,130
Return on Equity (ROE)8.1322%2,885
Retained earnings to average equity (ytd only)5.5911%2,021
Net charge-offs to loans-0.1499%5,893
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.5237%3,662
Assets per employee ($millions)4.5463%2,968
Cash dividends to net income (ytd only)*31.2474%3,280
Condition Ratios (%)
Loss allowance to loans2.6415%342
Loan loss allowance to noncurrent loans2,750.2732%256
Noncurrent assets plus other real estate owned to assets0.0644%5,385
Noncurrent loans to loans0.0960%5,112
Net loans and leases to total assets65.2845%3,085
Net loans and leases to deposits79.1677%2,925
Net loans and leases to core deposits88.4463%2,560
Total domestic deposits to total assets82.4635%4,031
Equity capital to assets13.1162%1,293
Core capital (leverage) ratio12.7833%1,231
Tier 1 risk-based capital ratio17.1861%2,225
Total risk-based capital ratio18.4514%2,171
Memoranda:
Average total assets$1,086,091,800646
Average earning assets$998,170,400639
Average equity$146,393,200519
Average total loans$764,653,200608
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0008%3,341
Cost of funding earning assets0.2498%4,881
Net interest margin3.7510%2,558
Noninterest income to average assets1.4520%583
Noninterest expense to average assets3.3600%1,559
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets1.0553%2,194
Return on assets (ROA)1.0698%2,225
Pretax return on assets1.5974%1,389
Return on Equity (ROE)7.8805%3,145
Retained earnings to average equity (ytd only)5.5748%2,538
Net charge-offs to loans-0.0789%5,704
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio68.0742%3,522
Assets per employee ($millions)4.2252%3,468
Cash dividends to net income (ytd only)*29.2581%2,842
Condition Ratios (%)
Loss allowance to loans2.5878%390
Loan loss allowance to noncurrent loans937.2710%621
Noncurrent assets plus other real estate owned to assets0.1933%4,977
Noncurrent loans to loans0.2761%4,588
Net loans and leases to total assets68.1822%2,652
Net loans and leases to deposits82.7854%2,556
Net loans and leases to core deposits93.8619%2,090
Total domestic deposits to total assets82.3601%4,046
Equity capital to assets13.7586%1,121
Core capital (leverage) ratio13.3260%1,079
Tier 1 risk-based capital ratio17.6109%2,153
Total risk-based capital ratio18.8764%2,108
Memoranda:
Average total assets$1,073,470,000658
Average earning assets$996,998,750648
Average equity$145,722,500522
Average total loans$765,281,000609
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0068%3,262
Cost of funding earning assets0.2509%4,928
Net interest margin3.7559%2,495
Noninterest income to average assets1.4524%605
Noninterest expense to average assets3.3755%1,518
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets1.0651%2,079
Return on assets (ROA)1.0869%2,093
Pretax return on assets1.6225%1,273
Return on Equity (ROE)8.0426%3,026
Retained earnings to average equity (ytd only)5.3958%2,602
Net charge-offs to loans-0.0932%5,765
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio67.9785%3,671
Assets per employee ($millions)4.2772%3,343
Cash dividends to net income (ytd only)*32.9105%2,701
Condition Ratios (%)
Loss allowance to loans2.4830%496
Loan loss allowance to noncurrent loans658.8896%808
Noncurrent assets plus other real estate owned to assets0.3517%4,481
Noncurrent loans to loans0.3768%4,356
Net loans and leases to total assets70.7685%2,198
Net loans and leases to deposits87.1591%1,923
Net loans and leases to core deposits98.2555%1,631
Total domestic deposits to total assets81.1946%4,550
Equity capital to assets13.4641%1,187
Core capital (leverage) ratio12.9997%1,168
Tier 1 risk-based capital ratio16.8900%2,449
Total risk-based capital ratio18.1543%2,397
Memoranda:
Average total assets$1,073,557,000659
Average earning assets$1,004,190,670645
Average equity$145,077,000526
Average total loans$769,982,670608
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7149%4,312
Cost of funding earning assets0.2761%4,711
Net interest margin3.4388%3,675
Noninterest income to average assets1.4319%571
Noninterest expense to average assets3.3750%1,542
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.8706%2,895
Return on assets (ROA)0.9147%2,801
Pretax return on assets1.3514%2,066
Return on Equity (ROE)6.7565%3,628
Retained earnings to average equity (ytd only)3.1237%4,110
Net charge-offs to loans-0.0820%5,762
Credit loss provision to net charge-offs0.0000%2,491
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.4003%3,107
Assets per employee ($millions)4.2524%3,459
Cash dividends to net income (ytd only)*53.7678%1,599
Condition Ratios (%)
Loss allowance to loans2.5207%516
Loan loss allowance to noncurrent loans356.5468%1,352
Noncurrent assets plus other real estate owned to assets0.5888%3,714
Noncurrent loans to loans0.7070%3,505
Net loans and leases to total assets70.1964%2,115
Net loans and leases to deposits86.0547%1,823
Net loans and leases to core deposits96.6557%1,575
Total domestic deposits to total assets81.5719%4,649
Equity capital to assets13.8600%1,030
Core capital (leverage) ratio13.3021%1,050
Tier 1 risk-based capital ratio17.1145%2,438
Total risk-based capital ratio18.3791%2,389
Memoranda:
Average total assets$1,073,547,500659
Average earning assets$1,008,255,000637
Average equity$145,342,000525
Average total loans$765,424,500605
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8255%4,410
Cost of funding earning assets0.4141%3,555
Net interest margin3.4114%4,152
Noninterest income to average assets1.4326%592
Noninterest expense to average assets3.3264%1,863
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.9300%2,725
Return on assets (ROA)0.9242%2,850
Pretax return on assets1.2917%2,268
Return on Equity (ROE)6.8630%3,711
Retained earnings to average equity (ytd only)4.9922%2,604
Net charge-offs to loans-0.0413%5,871
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.9048%3,223
Assets per employee ($millions)4.3700%3,236
Cash dividends to net income (ytd only)*27.2586%3,500
Condition Ratios (%)
Loss allowance to loans2.4612%584
Loan loss allowance to noncurrent loans336.6909%1,473
Noncurrent assets plus other real estate owned to assets0.5930%3,813
Noncurrent loans to loans0.7310%3,494
Net loans and leases to total assets68.8725%2,418
Net loans and leases to deposits83.0345%2,332
Net loans and leases to core deposits95.2162%1,789
Total domestic deposits to total assets82.9444%4,099
Equity capital to assets13.2281%1,259
Core capital (leverage) ratio12.7621%1,222
Tier 1 risk-based capital ratio17.3458%2,370
Total risk-based capital ratio18.6106%2,330
Memoranda:
Average total assets$1,047,924,600643
Average earning assets$980,961,600621
Average equity$141,119,600518
Average total loans$730,421,600594
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8089%4,510
Cost of funding earning assets0.4246%3,524
Net interest margin3.3842%4,296
Noninterest income to average assets1.3926%640
Noninterest expense to average assets3.3469%1,795
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.8792%3,025
Return on assets (ROA)0.8714%3,161
Pretax return on assets1.2040%2,764
Return on Equity (ROE)6.4407%4,013
Retained earnings to average equity (ytd only)4.5017%3,450
Net charge-offs to loans-0.0872%6,100
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio73.3705%2,927
Assets per employee ($millions)4.2170%3,445
Cash dividends to net income (ytd only)*30.1062%2,795
Condition Ratios (%)
Loss allowance to loans2.5493%613
Loan loss allowance to noncurrent loans324.8813%1,416
Noncurrent assets plus other real estate owned to assets0.6467%3,898
Noncurrent loans to loans0.7847%3,620
Net loans and leases to total assets70.2985%2,145
Net loans and leases to deposits88.2913%1,631
Net loans and leases to core deposits102.3344%1,197
Total domestic deposits to total assets79.6211%5,194
Equity capital to assets13.6179%1,136
Core capital (leverage) ratio13.2831%1,072
Tier 1 risk-based capital ratio17.3951%2,429
Total risk-based capital ratio18.6608%2,389
Memoranda:
Average total assets$1,036,782,500649
Average earning assets$970,868,750623
Average equity$140,270,500522
Average total loans$720,173,750601
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7806%4,594
Cost of funding earning assets0.4241%3,611
Net interest margin3.3565%4,372
Noninterest income to average assets1.3944%621
Noninterest expense to average assets3.3737%1,741
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.8446%3,102
Return on assets (ROA)0.8329%3,257
Pretax return on assets1.1438%2,914
Return on Equity (ROE)6.1698%4,065
Retained earnings to average equity (ytd only)4.1089%3,561
Net charge-offs to loans-0.1057%6,166
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4172%2,905
Assets per employee ($millions)4.1670%3,519
Cash dividends to net income (ytd only)*33.4029%2,651
Condition Ratios (%)
Loss allowance to loans2.5787%636
Loan loss allowance to noncurrent loans290.5335%1,555
Noncurrent assets plus other real estate owned to assets0.7132%3,846
Noncurrent loans to loans0.8876%3,485
Net loans and leases to total assets69.3963%2,170
Net loans and leases to deposits85.0692%1,921
Net loans and leases to core deposits99.7236%1,305
Total domestic deposits to total assets81.5762%4,793
Equity capital to assets13.7018%1,083
Core capital (leverage) ratio13.0944%1,124
Tier 1 risk-based capital ratio17.9709%2,255
Total risk-based capital ratio19.2375%2,215
Memoranda:
Average total assets$1,035,174,670644
Average earning assets$968,165,330621
Average equity$139,745,670523
Average total loans$709,769,000609
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7231%4,763
Cost of funding earning assets0.4245%3,704
Net interest margin3.2986%4,540
Noninterest income to average assets1.3908%600
Noninterest expense to average assets3.3622%1,802
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.8140%3,090
Return on assets (ROA)0.8140%3,157
Pretax return on assets1.1068%2,875
Return on Equity (ROE)6.0750%3,985
Retained earnings to average equity (ytd only)3.6496%3,943
Net charge-offs to loans-0.1698%6,337
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.2337%2,924
Assets per employee ($millions)4.1902%3,551
Cash dividends to net income (ytd only)*39.9240%1,995
Condition Ratios (%)
Loss allowance to loans2.7086%614
Loan loss allowance to noncurrent loans260.5216%1,680
Noncurrent assets plus other real estate owned to assets0.7947%3,753
Noncurrent loans to loans1.0397%3,343
Net loans and leases to total assets66.6779%2,448
Net loans and leases to deposits81.4458%2,108
Net loans and leases to core deposits93.6222%1,582
Total domestic deposits to total assets81.8679%4,979
Equity capital to assets13.6541%1,050
Core capital (leverage) ratio13.4301%992
Tier 1 risk-based capital ratio18.7539%2,044
Total risk-based capital ratio20.0222%1,996
Memoranda:
Average total assets$1,033,967,500646
Average earning assets$964,887,500633
Average equity$138,534,500531
Average total loans$695,100,000624
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8197%4,743
Cost of funding earning assets0.5440%3,164
Net interest margin3.2757%4,753
Noninterest income to average assets1.4092%709
Noninterest expense to average assets3.3259%2,063
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets0.8252%3,159
Return on assets (ROA)0.8269%3,235
Pretax return on assets1.1430%2,797
Return on Equity (ROE)6.1760%3,987
Retained earnings to average equity (ytd only)2.6259%4,384
Net charge-offs to loans-0.2115%6,622
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio74.4614%3,050
Assets per employee ($millions)4.3025%3,268
Cash dividends to net income (ytd only)*57.4821%1,898
Condition Ratios (%)
Loss allowance to loans2.7098%660
Loan loss allowance to noncurrent loans298.2759%1,498
Noncurrent assets plus other real estate owned to assets0.6795%4,208
Noncurrent loans to loans0.9085%3,712
Net loans and leases to total assets64.1606%3,016
Net loans and leases to deposits77.4783%2,790
Net loans and leases to core deposits88.7434%2,158
Total domestic deposits to total assets82.8110%4,605
Equity capital to assets13.1482%1,209
Core capital (leverage) ratio13.1551%1,079
Tier 1 risk-based capital ratio19.0563%1,905
Total risk-based capital ratio20.3250%1,855
Memoranda:
Average total assets$1,028,751,200637
Average earning assets$960,190,800622
Average equity$137,743,600529
Average total loans$652,578,000646
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8134%4,805
Cost of funding earning assets0.5891%2,908
Net interest margin3.2244%4,915
Noninterest income to average assets1.3901%753
Noninterest expense to average assets3.4294%1,761
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.7049%3,834
Return on assets (ROA)0.7058%3,962
Pretax return on assets0.9700%3,616
Return on Equity (ROE)5.2476%4,597
Retained earnings to average equity (ytd only)1.0971%5,537
Net charge-offs to loans-0.2066%6,657
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.9744%2,424
Assets per employee ($millions)4.1101%3,619
Cash dividends to net income (ytd only)*79.0930%815
Condition Ratios (%)
Loss allowance to loans2.7100%734
Loan loss allowance to noncurrent loans267.9895%1,517
Noncurrent assets plus other real estate owned to assets0.7647%4,195
Noncurrent loans to loans1.0112%3,785
Net loans and leases to total assets65.5129%2,717
Net loans and leases to deposits83.7085%1,915
Net loans and leases to core deposits95.0801%1,464
Total domestic deposits to total assets78.2632%5,865
Equity capital to assets13.5686%1,092
Core capital (leverage) ratio13.6007%980
Tier 1 risk-based capital ratio19.3317%1,899
Total risk-based capital ratio20.6008%1,863
Memoranda:
Average total assets$1,024,559,250645
Average earning assets$955,822,000626
Average equity$137,812,750530
Average total loans$643,348,750655
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7832%4,877
Cost of funding earning assets0.6018%2,920
Net interest margin3.1813%5,007
Noninterest income to average assets1.3731%832
Noninterest expense to average assets3.4059%1,807
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.6773%3,918
Return on assets (ROA)0.6790%4,073
Pretax return on assets0.9430%3,739
Return on Equity (ROE)5.0624%4,690
Retained earnings to average equity (ytd only)-0.2702%5,908
Net charge-offs to loans-0.0825%6,449
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.3580%2,400
Assets per employee ($millions)3.9870%3,833
Cash dividends to net income (ytd only)*105.3383%461
Condition Ratios (%)
Loss allowance to loans2.6856%801
Loan loss allowance to noncurrent loans264.8922%1,568
Noncurrent assets plus other real estate owned to assets0.7525%4,329
Noncurrent loans to loans1.0138%3,908
Net loans and leases to total assets64.1121%2,894
Net loans and leases to deposits83.4847%1,870
Net loans and leases to core deposits91.0960%1,797
Total domestic deposits to total assets76.7950%6,153
Equity capital to assets13.6807%1,060
Core capital (leverage) ratio12.8782%1,213
Tier 1 risk-based capital ratio19.6294%1,819
Total risk-based capital ratio20.8977%1,788
Memoranda:
Average total assets$1,031,789,330639
Average earning assets$964,373,000623
Average equity$138,392,000528
Average total loans$632,695,000663
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6949%5,188
Cost of funding earning assets0.6265%2,866
Net interest margin3.0684%5,374
Noninterest income to average assets1.3130%893
Noninterest expense to average assets3.3056%2,075
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.6331%4,064
Return on assets (ROA)0.6331%4,220
Pretax return on assets0.8736%3,856
Return on Equity (ROE)4.7652%4,703
Retained earnings to average equity (ytd only)-4.0836%6,286
Net charge-offs to loans-0.0733%6,299
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio79.0969%2,460
Assets per employee ($millions)4.1374%3,656
Cash dividends to net income (ytd only)*185.6971%254
Condition Ratios (%)
Loss allowance to loans2.7796%839
Loan loss allowance to noncurrent loans241.0462%1,624
Noncurrent assets plus other real estate owned to assets0.7999%4,372
Noncurrent loans to loans1.1531%3,853
Net loans and leases to total assets59.6158%3,498
Net loans and leases to deposits77.2771%2,453
Net loans and leases to core deposits83.7811%2,349
Total domestic deposits to total assets77.1454%6,237
Equity capital to assets13.5551%1,193
Core capital (leverage) ratio12.7118%1,244
Tier 1 risk-based capital ratio20.0334%1,757
Total risk-based capital ratio21.3025%1,730
Memoranda:
Average total assets$1,051,298,500639
Average earning assets$981,997,000619
Average equity$139,679,000530
Average total loans$622,017,000674
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1478%4,779
Cost of funding earning assets0.8951%1,966
Net interest margin3.2527%5,421
Noninterest income to average assets1.3295%874
Noninterest expense to average assets3.1508%2,768
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.8476%3,059
Return on assets (ROA)0.8477%3,307
Pretax return on assets1.2122%2,761
Return on Equity (ROE)6.3784%3,970
Retained earnings to average equity (ytd only)4.3065%3,194
Net charge-offs to loans-0.2917%6,974
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.2188%3,374
Assets per employee ($millions)4.4656%3,024
Cash dividends to net income (ytd only)*32.4836%3,250
Condition Ratios (%)
Loss allowance to loans2.8028%819
Loan loss allowance to noncurrent loans234.3763%1,612
Noncurrent assets plus other real estate owned to assets0.7650%4,554
Noncurrent loans to loans1.1958%3,859
Net loans and leases to total assets55.5287%4,375
Net loans and leases to deposits72.1717%3,385
Net loans and leases to core deposits78.1349%3,240
Total domestic deposits to total assets76.9398%6,236
Equity capital to assets13.0322%1,434
Core capital (leverage) ratio12.2779%1,410
Tier 1 risk-based capital ratio20.2086%1,628
Total risk-based capital ratio21.4774%1,594
Memoranda:
Average total assets$1,045,828,400633
Average earning assets$975,307,000610
Average equity$139,000,200524
Average total loans$594,137,000692
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2727%4,567
Cost of funding earning assets0.9536%1,839
Net interest margin3.3191%5,315
Noninterest income to average assets1.2592%948
Noninterest expense to average assets3.1324%2,793
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.8648%3,158
Return on assets (ROA)0.8649%3,396
Pretax return on assets1.2249%2,892
Return on Equity (ROE)6.4749%4,080
Retained earnings to average equity (ytd only)4.2807%3,883
Net charge-offs to loans-0.1901%6,980
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.8931%3,347
Assets per employee ($millions)4.2055%3,461
Cash dividends to net income (ytd only)*33.8882%2,440
Condition Ratios (%)
Loss allowance to loans2.7032%980
Loan loss allowance to noncurrent loans203.8763%1,756
Noncurrent assets plus other real estate owned to assets0.9090%4,465
Noncurrent loans to loans1.3259%3,816
Net loans and leases to total assets59.2604%3,918
Net loans and leases to deposits82.5249%2,051
Net loans and leases to core deposits90.8419%1,887
Total domestic deposits to total assets71.8091%6,753
Equity capital to assets14.1360%1,102
Core capital (leverage) ratio12.7435%1,298
Tier 1 risk-based capital ratio20.7490%1,587
Total risk-based capital ratio22.0153%1,548
Memoranda:
Average total assets$1,037,117,750638
Average earning assets$967,981,000614
Average equity$138,541,500524
Average total loans$588,324,500706
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3388%4,422
Cost of funding earning assets0.9826%1,867
Net interest margin3.3562%5,244
Noninterest income to average assets1.2334%936
Noninterest expense to average assets3.1603%2,721
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.8584%3,097
Return on assets (ROA)0.8584%3,366
Pretax return on assets1.2092%2,879
Return on Equity (ROE)6.5463%4,027
Retained earnings to average equity (ytd only)4.1072%3,871
Net charge-offs to loans-0.3274%7,082
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.3261%3,371
Assets per employee ($millions)4.3502%3,167
Cash dividends to net income (ytd only)*37.2588%2,293
Condition Ratios (%)
Loss allowance to loans2.6623%1,081
Loan loss allowance to noncurrent loans192.5874%1,774
Noncurrent assets plus other real estate owned to assets0.9110%4,547
Noncurrent loans to loans1.3824%3,850
Net loans and leases to total assets57.3881%4,264
Net loans and leases to deposits81.9563%2,116
Net loans and leases to core deposits90.1563%1,965
Total domestic deposits to total assets70.0228%6,904
Equity capital to assets13.2093%1,427
Core capital (leverage) ratio12.0990%1,553
Tier 1 risk-based capital ratio19.7085%1,784
Total risk-based capital ratio20.9757%1,743
Memoranda:
Average total assets$1,050,585,330634
Average earning assets$981,693,000604
Average equity$137,756,670519
Average total loans$582,077,000708
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5921%3,543
Cost of funding earning assets1.0133%1,899
Net interest margin3.5788%4,357
Noninterest income to average assets1.2040%993
Noninterest expense to average assets3.2339%2,495
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.9505%2,690
Return on assets (ROA)0.9505%2,902
Pretax return on assets1.3191%2,475
Return on Equity (ROE)7.2762%3,616
Retained earnings to average equity (ytd only)4.8255%3,655
Net charge-offs to loans-0.5004%7,150
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.0280%3,615
Assets per employee ($millions)4.2650%3,464
Cash dividends to net income (ytd only)*33.6808%1,970
Condition Ratios (%)
Loss allowance to loans2.8535%953
Loan loss allowance to noncurrent loans189.9953%1,733
Noncurrent assets plus other real estate owned to assets0.9116%4,699
Noncurrent loans to loans1.5019%3,869
Net loans and leases to total assets53.0255%4,879
Net loans and leases to deposits74.9562%2,977
Net loans and leases to core deposits82.9864%2,692
Total domestic deposits to total assets70.7419%6,944
Equity capital to assets13.1804%1,367
Core capital (leverage) ratio12.3652%1,403
Tier 1 risk-based capital ratio20.5719%1,572
Total risk-based capital ratio21.8405%1,544
Memoranda:
Average total assets$1,049,504,000634
Average earning assets$982,120,000604
Average equity$137,104,500521
Average total loans$562,777,500740
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2399%5,944
Cost of funding earning assets1.2034%2,005
Net interest margin3.0365%6,471
Noninterest income to average assets1.3064%756
Noninterest expense to average assets3.1693%2,970
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets0.7241%3,364
Return on assets (ROA)0.7271%3,525
Pretax return on assets0.9932%3,266
Return on Equity (ROE)5.7480%4,004
Retained earnings to average equity (ytd only)4.1184%3,253
Net charge-offs to loans-0.1630%7,191
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.2141%2,858
Assets per employee ($millions)4.2503%3,367
Cash dividends to net income (ytd only)*28.3502%3,188
Condition Ratios (%)
Loss allowance to loans2.8045%975
Loan loss allowance to noncurrent loans87.8675%3,402
Noncurrent assets plus other real estate owned to assets1.7834%3,276
Noncurrent loans to loans3.1918%2,028
Net loans and leases to total assets51.1945%5,440
Net loans and leases to deposits71.3913%3,885
Net loans and leases to core deposits80.6800%3,361
Total domestic deposits to total assets71.7097%6,889
Equity capital to assets12.9481%1,516
Core capital (leverage) ratio11.9796%1,608
Tier 1 risk-based capital ratio20.5150%1,521
Total risk-based capital ratio21.7825%1,481
Memoranda:
Average total assets$1,047,807,400630
Average earning assets$984,127,600599
Average equity$132,550,000525
Average total loans$566,795,600745
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3059%5,933
Cost of funding earning assets1.2505%1,995
Net interest margin3.0554%6,483
Noninterest income to average assets1.2773%794
Noninterest expense to average assets3.1794%2,881
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets0.7183%3,513
Return on assets (ROA)0.7223%3,677
Pretax return on assets0.9754%3,495
Return on Equity (ROE)5.7440%4,146
Retained earnings to average equity (ytd only)4.1023%3,811
Net charge-offs to loans-0.2090%7,268
Credit loss provision to net charge-offs0.0000%5,735
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.6247%2,741
Assets per employee ($millions)4.0664%3,703
Cash dividends to net income (ytd only)*28.5816%2,540
Condition Ratios (%)
Loss allowance to loans2.7786%1,051
Loan loss allowance to noncurrent loans82.5630%3,473
Noncurrent assets plus other real estate owned to assets1.9575%3,199
Noncurrent loans to loans3.3654%2,052
Net loans and leases to total assets53.4866%5,246
Net loans and leases to deposits75.9166%3,342
Net loans and leases to core deposits90.3129%2,211
Total domestic deposits to total assets70.4544%7,017
Equity capital to assets13.3533%1,439
Core capital (leverage) ratio12.3029%1,533
Tier 1 risk-based capital ratio20.1913%1,641
Total risk-based capital ratio21.4585%1,601
Memoranda:
Average total assets$1,046,237,750640
Average earning assets$983,466,500607
Average equity$131,566,500535
Average total loans$569,693,250752
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1766%6,334
Cost of funding earning assets1.2839%2,043
Net interest margin2.8927%6,804
Noninterest income to average assets1.2593%796
Noninterest expense to average assets3.1938%2,922
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets0.6131%3,994
Return on assets (ROA)0.6194%4,089
Pretax return on assets0.7980%4,039
Return on Equity (ROE)5.0256%4,438
Retained earnings to average equity (ytd only)3.3663%4,123
Net charge-offs to loans-0.1378%7,234
Credit loss provision to net charge-offs0.0000%5,336
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio80.1721%2,367
Assets per employee ($millions)4.1197%3,515
Cash dividends to net income (ytd only)*33.0174%2,347
Condition Ratios (%)
Loss allowance to loans2.6547%1,233
Loan loss allowance to noncurrent loans65.1818%4,177
Noncurrent assets plus other real estate owned to assets2.3510%2,803
Noncurrent loans to loans4.0728%1,694
Net loans and leases to total assets53.5543%5,357
Net loans and leases to deposits75.7021%3,530
Net loans and leases to core deposits89.9626%2,376
Total domestic deposits to total assets70.7436%7,072
Equity capital to assets12.8840%1,581
Core capital (leverage) ratio11.4819%1,921
Tier 1 risk-based capital ratio19.3323%1,753
Total risk-based capital ratio20.5976%1,724
Memoranda:
Average total assets$1,056,118,000640
Average earning assets$994,640,330604
Average equity$130,172,330540
Average total loans$573,163,330754
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1421%6,413
Cost of funding earning assets1.3391%1,958
Net interest margin2.8029%6,903
Noninterest income to average assets1.1990%891
Noninterest expense to average assets3.1818%2,955
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets0.5070%4,463
Return on assets (ROA)0.5185%4,497
Pretax return on assets0.6726%4,403
Return on Equity (ROE)4.3007%4,746
Retained earnings to average equity (ytd only)2.6251%4,595
Net charge-offs to loans-0.5406%7,420
Credit loss provision to net charge-offs0.0000%4,480
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.8705%2,101
Assets per employee ($millions)4.0509%3,740
Cash dividends to net income (ytd only)*38.9610%1,771
Condition Ratios (%)
Loss allowance to loans2.6987%1,206
Loan loss allowance to noncurrent loans69.6905%3,941
Noncurrent assets plus other real estate owned to assets2.2323%3,026
Noncurrent loans to loans3.8724%1,898
Net loans and leases to total assets53.2170%5,417
Net loans and leases to deposits74.2064%3,730
Net loans and leases to core deposits89.4643%2,413
Total domestic deposits to total assets71.7149%7,095
Equity capital to assets12.3519%1,709
Core capital (leverage) ratio11.4435%1,881
Tier 1 risk-based capital ratio18.9562%1,814
Total risk-based capital ratio20.2221%1,769
Memoranda:
Average total assets$1,069,208,500631
Average earning assets$1,007,227,000601
Average equity$128,910,000538
Average total loans$576,436,000758
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4613%6,490
Cost of funding earning assets1.5697%2,245
Net interest margin2.8916%6,907
Noninterest income to average assets1.1553%1,108
Noninterest expense to average assets3.0143%3,791
Loan and lease loss provision to assets0.2439%4,850
Net operating income to assets0.4844%4,175
Return on assets (ROA)0.4844%4,325
Pretax return on assets0.6030%4,316
Return on Equity (ROE)4.1682%4,448
Retained earnings to average equity (ytd only)2.6676%3,991
Net charge-offs to loans0.2031%5,071
Credit loss provision to net charge-offs221.7176%1,349
Earnings coverage of net charge-offs (x)7.6994%2,079
Efficiency ratio78.0658%2,698
Assets per employee ($millions)4.2212%3,342
Cash dividends to net income (ytd only)*36.0023%2,766
Condition Ratios (%)
Loss allowance to loans2.5199%1,390
Loan loss allowance to noncurrent loans57.5453%4,570
Noncurrent assets plus other real estate owned to assets2.4159%2,856
Noncurrent loans to loans4.3789%1,641
Net loans and leases to total assets51.8265%5,934
Net loans and leases to deposits72.0296%4,513
Net loans and leases to core deposits87.6875%3,095
Total domestic deposits to total assets71.9517%7,085
Equity capital to assets11.7743%2,056
Core capital (leverage) ratio10.7323%2,359
Tier 1 risk-based capital ratio18.2102%1,935
Total risk-based capital ratio19.4736%1,894
Memoranda:
Average total assets$1,100,918,600605
Average earning assets$1,030,213,000583
Average equity$127,944,200529
Average total loans$596,245,000748
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5174%6,566
Cost of funding earning assets1.5905%2,442
Net interest margin2.9269%6,965
Noninterest income to average assets1.1210%1,115
Noninterest expense to average assets3.0320%3,636
Loan and lease loss provision to assets0.3246%3,990
Net operating income to assets0.4170%4,672
Return on assets (ROA)0.4170%4,847
Pretax return on assets0.5000%4,925
Return on Equity (ROE)3.5997%4,966
Retained earnings to average equity (ytd only)2.0968%4,914
Net charge-offs to loans0.2640%4,367
Credit loss provision to net charge-offs226.0101%1,523
Earnings coverage of net charge-offs (x)5.7416%2,686
Efficiency ratio78.6176%2,541
Assets per employee ($millions)4.1420%3,562
Cash dividends to net income (ytd only)*41.7512%2,011
Condition Ratios (%)
Loss allowance to loans2.6941%1,090
Loan loss allowance to noncurrent loans52.0315%4,823
Noncurrent assets plus other real estate owned to assets2.8640%2,533
Noncurrent loans to loans5.1778%1,318
Net loans and leases to total assets52.3566%6,060
Net loans and leases to deposits73.9257%4,525
Net loans and leases to core deposits96.3981%2,210
Total domestic deposits to total assets70.8232%7,230
Equity capital to assets12.0751%2,111
Core capital (leverage) ratio10.9446%2,300
Tier 1 risk-based capital ratio18.1766%1,979
Total risk-based capital ratio19.4404%1,930
Memoranda:
Average total assets$1,102,825,500599
Average earning assets$1,030,768,500578
Average equity$127,748,500521
Average total loans$599,991,000741
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5639%6,554
Cost of funding earning assets1.5973%2,674
Net interest margin2.9667%6,907
Noninterest income to average assets1.0987%1,100
Noninterest expense to average assets3.0202%3,634
Loan and lease loss provision to assets0.4831%2,890
Net operating income to assets0.3311%5,057
Return on assets (ROA)0.3311%5,216
Pretax return on assets0.3651%5,325
Return on Equity (ROE)2.8980%5,279
Retained earnings to average equity (ytd only)2.1420%4,781
Net charge-offs to loans0.0330%5,890
Credit loss provision to net charge-offs2,685.0000%157
Earnings coverage of net charge-offs (x)47.1400%631
Efficiency ratio78.0724%2,720
Assets per employee ($millions)4.2714%3,269
Cash dividends to net income (ytd only)*26.0870%2,657
Condition Ratios (%)
Loss allowance to loans2.8532%955
Loan loss allowance to noncurrent loans50.1050%4,958
Noncurrent assets plus other real estate owned to assets3.0648%2,323
Noncurrent loans to loans5.6945%1,145
Net loans and leases to total assets51.0001%6,306
Net loans and leases to deposits71.2446%5,109
Net loans and leases to core deposits92.3252%2,940
Total domestic deposits to total assets71.5845%7,216
Equity capital to assets11.6407%2,327
Core capital (leverage) ratio10.4354%2,679
Tier 1 risk-based capital ratio17.7286%2,022
Total risk-based capital ratio18.9935%1,991
Memoranda:
Average total assets$1,111,457,670589
Average earning assets$1,037,657,670572
Average equity$126,984,670519
Average total loans$606,836,670743
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6159%6,512
Cost of funding earning assets1.6089%2,909
Net interest margin3.0070%6,817
Noninterest income to average assets1.0730%1,101
Noninterest expense to average assets3.0215%3,597
Loan and lease loss provision to assets0.9678%1,298
Net operating income to assets0.0202%6,234
Return on assets (ROA)0.0202%6,350
Pretax return on assets-0.1179%6,484
Return on Equity (ROE)0.1784%6,351
Retained earnings to average equity (ytd only)-1.3504%6,103
Net charge-offs to loans-0.0848%7,489
Credit loss provision to net charge-offs-2,049.6183%6,523
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio78.0467%2,887
Assets per employee ($millions)4.1268%3,606
Cash dividends to net income (ytd only)*857.1429%27
Condition Ratios (%)
Loss allowance to loans2.7902%999
Loan loss allowance to noncurrent loans53.0405%4,786
Noncurrent assets plus other real estate owned to assets2.9842%2,407
Noncurrent loans to loans5.2606%1,352
Net loans and leases to total assets53.7312%6,058
Net loans and leases to deposits75.5628%4,485
Net loans and leases to core deposits99.1254%2,222
Total domestic deposits to total assets71.1081%7,334
Equity capital to assets11.4290%2,418
Core capital (leverage) ratio10.6377%2,507
Tier 1 risk-based capital ratio17.0435%2,255
Total risk-based capital ratio18.3083%2,202
Memoranda:
Average total assets$1,109,765,500609
Average earning assets$1,032,787,000594
Average equity$125,589,500532
Average total loans$617,620,500745
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8371%6,866
Cost of funding earning assets1.8234%3,863
Net interest margin3.0137%6,611
Noninterest income to average assets1.1581%1,149
Noninterest expense to average assets2.7952%4,996
Loan and lease loss provision to assets1.1353%2,007
Net operating income to assets0.1285%5,120
Return on assets (ROA)0.1285%5,176
Pretax return on assets0.0661%5,286
Return on Equity (ROE)1.3282%5,138
Retained earnings to average equity (ytd only)0.7302%4,497
Net charge-offs to loans1.5034%1,667
Credit loss provision to net charge-offs121.1373%4,401
Earnings coverage of net charge-offs (x)1.2819%4,848
Efficiency ratio69.9403%4,643
Assets per employee ($millions)4.2332%3,370
Cash dividends to net income (ytd only)*45.0205%2,701
Condition Ratios (%)
Loss allowance to loans2.2457%1,571
Loan loss allowance to noncurrent loans37.9021%5,906
Noncurrent assets plus other real estate owned to assets3.5771%1,870
Noncurrent loans to loans5.9251%1,057
Net loans and leases to total assets54.7667%6,111
Net loans and leases to deposits76.9201%4,585
Net loans and leases to core deposits91.0128%5,010
Total domestic deposits to total assets71.1995%7,317
Equity capital to assets11.2069%2,527
Core capital (leverage) ratio9.9142%3,177
Tier 1 risk-based capital ratio16.9480%2,164
Total risk-based capital ratio18.2075%2,131
Memoranda:
Average total assets$1,140,881,600583
Average earning assets$1,074,558,600565
Average equity$110,377,600593
Average total loans$711,182,600652
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8396%7,030
Cost of funding earning assets1.8640%4,079
Net interest margin2.9755%6,671
Noninterest income to average assets1.1815%1,119
Noninterest expense to average assets2.8847%4,522
Loan and lease loss provision to assets1.1987%1,621
Net operating income to assets0.0233%5,662
Return on assets (ROA)0.0233%5,711
Pretax return on assets-0.0855%5,825
Return on Equity (ROE)0.2503%5,702
Retained earnings to average equity (ytd only)-0.4630%5,338
Net charge-offs to loans0.9963%1,979
Credit loss provision to net charge-offs188.3342%2,415
Earnings coverage of net charge-offs (x)1.7489%4,485
Efficiency ratio72.1559%4,217
Assets per employee ($millions)4.2826%3,232
Cash dividends to net income (ytd only)*284.9996%122
Condition Ratios (%)
Loss allowance to loans2.3235%1,269
Loan loss allowance to noncurrent loans43.1293%5,438
Noncurrent assets plus other real estate owned to assets3.4917%1,908
Noncurrent loans to loans5.3872%1,175
Net loans and leases to total assets61.5729%5,315
Net loans and leases to deposits89.8329%2,614
Net loans and leases to core deposits107.3573%3,551
Total domestic deposits to total assets68.5416%7,531
Equity capital to assets10.8905%3,125
Core capital (leverage) ratio10.1614%3,101
Tier 1 risk-based capital ratio15.8618%2,681
Total risk-based capital ratio17.1244%2,605
Memoranda:
Average total assets$1,145,653,250591
Average earning assets$1,084,371,250574
Average equity$106,542,250621
Average total loans$731,857,250647
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8992%7,030
Cost of funding earning assets1.9324%4,098
Net interest margin2.9668%6,640
Noninterest income to average assets1.1991%1,086
Noninterest expense to average assets2.9223%4,421
Loan and lease loss provision to assets1.6902%994
Net operating income to assets-0.3147%6,339
Return on assets (ROA)-0.3147%6,355
Pretax return on assets-0.5987%6,522
Return on Equity (ROE)-3.5868%6,433
Retained earnings to average equity (ytd only)-4.7188%6,262
Net charge-offs to loans1.1702%1,560
Credit loss provision to net charge-offs225.1102%2,044
Earnings coverage of net charge-offs (x)1.4537%4,442
Efficiency ratio72.8066%4,243
Assets per employee ($millions)4.3349%3,048
Cash dividends to net income (ytd only)*-31.5615%7,976
Condition Ratios (%)
Loss allowance to loans2.3446%1,053
Loan loss allowance to noncurrent loans113.2602%2,591
Noncurrent assets plus other real estate owned to assets1.4097%4,140
Noncurrent loans to loans2.0701%3,423
Net loans and leases to total assets62.0582%5,352
Net loans and leases to deposits88.1793%3,141
Net loans and leases to core deposits104.9487%3,963
Total domestic deposits to total assets70.3773%7,432
Equity capital to assets8.8697%5,493
Core capital (leverage) ratio8.2451%5,896
Tier 1 risk-based capital ratio12.9890%4,157
Total risk-based capital ratio14.2520%4,062
Memoranda:
Average total assets$1,147,814,000605
Average earning assets$1,088,915,330583
Average equity$100,702,670669
Average total loans$736,441,000662
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8600%7,266
Cost of funding earning assets1.9831%4,218
Net interest margin2.8769%6,809
Noninterest income to average assets1.2014%1,001
Noninterest expense to average assets2.9144%4,112
Loan and lease loss provision to assets2.9396%372
Net operating income to assets-1.1737%7,350
Return on assets (ROA)-1.1737%7,361
Pretax return on assets-1.9100%7,508
Return on Equity (ROE)-13.4531%7,540
Retained earnings to average equity (ytd only)-15.7394%7,480
Net charge-offs to loans1.9655%734
Credit loss provision to net charge-offs231.9801%1,978
Earnings coverage of net charge-offs (x)0.8125%4,378
Efficiency ratio73.8953%3,845
Assets per employee ($millions)4.2673%3,133
Cash dividends to net income (ytd only)*-16.9946%8,088
Condition Ratios (%)
Loss allowance to loans2.2650%993
Loan loss allowance to noncurrent loans76.7453%3,804
Noncurrent assets plus other real estate owned to assets2.0175%2,877
Noncurrent loans to loans2.9513%2,212
Net loans and leases to total assets63.7088%5,038
Net loans and leases to deposits95.3229%2,066
Net loans and leases to core deposits115.4076%2,858
Total domestic deposits to total assets66.8347%7,677
Equity capital to assets9.2415%5,026
Core capital (leverage) ratio8.5269%5,481
Tier 1 risk-based capital ratio12.8291%4,305
Total risk-based capital ratio14.0907%4,215
Memoranda:
Average total assets$1,143,017,000608
Average earning assets$1,089,634,000583
Average equity$99,724,500673
Average total loans$736,905,500671
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5987%7,071
Cost of funding earning assets2.4426%4,513
Net interest margin3.1561%6,504
Noninterest income to average assets1.2597%928
Noninterest expense to average assets2.7544%5,031
Loan and lease loss provision to assets0.6433%2,260
Net operating income to assets0.6117%4,255
Return on assets (ROA)0.7260%3,611
Pretax return on assets0.9782%3,454
Return on Equity (ROE)9.0501%2,629
Retained earnings to average equity (ytd only)5.7340%1,649
Net charge-offs to loans0.5106%2,312
Credit loss provision to net charge-offs188.3910%2,626
Earnings coverage of net charge-offs (x)4.2961%4,040
Efficiency ratio65.2477%5,265
Assets per employee ($millions)4.4086%2,775
Cash dividends to net income (ytd only)*36.6423%3,803
Condition Ratios (%)
Loss allowance to loans1.6031%2,229
Loan loss allowance to noncurrent loans49.5361%5,522
Noncurrent assets plus other real estate owned to assets2.0912%2,356
Noncurrent loans to loans3.2362%1,619
Net loans and leases to total assets62.7531%5,499
Net loans and leases to deposits95.6020%2,509
Net loans and leases to core deposits117.8109%2,911
Total domestic deposits to total assets65.6400%7,679
Equity capital to assets8.2225%6,515
Core capital (leverage) ratio7.7442%6,870
Tier 1 risk-based capital ratio11.8123%4,974
Total risk-based capital ratio13.0660%4,875
Memoranda:
Average total assets$1,150,269,400579
Average earning assets$1,079,437,400564
Average equity$92,274,800723
Average total loans$769,233,000621