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The Genoa Banking Company, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3091%837
Cost of funding earning assets0.4481%1,217
Net interest margin3.8610%898
Noninterest income to average assets0.8882%1,238
Noninterest expense to average assets3.2095%715
Loan and lease loss provision to assets0.0363%2,320
Net operating income to assets0.9651%2,818
Return on assets (ROA)0.9651%2,879
Pretax return on assets1.2139%2,618
Return on Equity (ROE)12.2589%1,728
Retained earnings to average equity (ytd only)11.4492%625
Net charge-offs to loans-0.0028%3,427
Credit loss provision to net charge-offs-1,830.0000%4,038
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio71.9671%1,516
Assets per employee ($millions)4.5391%4,085
Cash dividends to net income (ytd only)*6.6047%3,460
Condition Ratios (%)
Loss allowance to loans1.3340%2,215
Loan loss allowance to noncurrent loans3,752.0000%333
Noncurrent assets plus other real estate owned to assets0.0242%3,882
Noncurrent loans to loans0.0356%3,823
Net loans and leases to total assets67.0340%1,368
Net loans and leases to deposits76.3876%1,535
Net loans and leases to core deposits82.7348%1,404
Total domestic deposits to total assets87.7550%2,173
Equity capital to assets7.8972%4,419
Core capital (leverage) ratio7.9833%4,376
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8283%2,310
Memoranda:
Average total assets$502,007,4001,693
Average earning assets$464,361,8001,703
Average equity$39,522,4002,098
Average total loans$350,906,2001,513
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3944%817
Cost of funding earning assets0.4661%1,243
Net interest margin3.9283%889
Noninterest income to average assets0.9437%1,164
Noninterest expense to average assets3.2386%669
Loan and lease loss provision to assets0.0367%2,256
Net operating income to assets1.0380%2,774
Return on assets (ROA)1.0380%2,838
Pretax return on assets1.3096%2,601
Return on Equity (ROE)13.1946%1,640
Retained earnings to average equity (ytd only)12.5481%712
Net charge-offs to loans-0.0072%3,551
Credit loss provision to net charge-offs-721.0526%3,761
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio70.6363%1,534
Assets per employee ($millions)4.5641%4,078
Cash dividends to net income (ytd only)*4.8994%3,131
Condition Ratios (%)
Loss allowance to loans1.3028%2,468
Loan loss allowance to noncurrent loans3,635.1563%290
Noncurrent assets plus other real estate owned to assets0.0250%4,007
Noncurrent loans to loans0.0358%3,951
Net loans and leases to total assets68.9573%1,198
Net loans and leases to deposits79.0597%1,376
Net loans and leases to core deposits85.8599%1,302
Total domestic deposits to total assets87.2218%2,260
Equity capital to assets7.9844%4,529
Core capital (leverage) ratio7.9645%4,477
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.6448%2,483
Memoranda:
Average total assets$498,144,2501,717
Average earning assets$461,732,5001,725
Average equity$39,186,7502,136
Average total loans$350,741,7501,543
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2662%1,063
Cost of funding earning assets0.4913%1,256
Net interest margin3.7749%1,176
Noninterest income to average assets1.0425%1,009
Noninterest expense to average assets3.3086%610
Loan and lease loss provision to assets0.0373%2,241
Net operating income to assets0.9441%3,077
Return on assets (ROA)0.9441%3,163
Pretax return on assets1.1883%2,944
Return on Equity (ROE)12.0640%2,034
Retained earnings to average equity (ytd only)11.4170%1,029
Net charge-offs to loans-0.0040%3,364
Credit loss provision to net charge-offs-1,314.2857%3,737
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio72.9701%1,339
Assets per employee ($millions)4.2145%4,320
Cash dividends to net income (ytd only)*5.3625%2,992
Condition Ratios (%)
Loss allowance to loans1.3156%2,365
Loan loss allowance to noncurrent loans3,481.8182%278
Noncurrent assets plus other real estate owned to assets0.0263%4,086
Noncurrent loans to loans0.0378%4,010
Net loans and leases to total assets68.7433%1,358
Net loans and leases to deposits79.2431%1,489
Net loans and leases to core deposits86.5358%1,379
Total domestic deposits to total assets86.7499%2,447
Equity capital to assets7.8690%4,589
Core capital (leverage) ratio7.6904%4,629
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.9123%2,398
Memoranda:
Average total assets$493,798,0001,728
Average earning assets$456,750,0001,735
Average equity$38,644,0002,149
Average total loans$348,605,3331,564
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2747%1,082
Cost of funding earning assets0.5310%1,195
Net interest margin3.7437%1,242
Noninterest income to average assets1.2410%813
Noninterest expense to average assets3.4796%482
Loan and lease loss provision to assets0.0384%2,264
Net operating income to assets0.9324%3,039
Return on assets (ROA)0.9324%3,114
Pretax return on assets1.1765%2,910
Return on Equity (ROE)11.9476%2,041
Retained earnings to average equity (ytd only)11.2676%1,329
Net charge-offs to loans0.0046%1,747
Credit loss provision to net charge-offs1,175.0000%374
Earnings coverage of net charge-offs (x)372.0000%248
Efficiency ratio74.1217%1,298
Assets per employee ($millions)4.4209%4,176
Cash dividends to net income (ytd only)*5.6918%2,326
Condition Ratios (%)
Loss allowance to loans1.2732%2,565
Loan loss allowance to noncurrent loans3,338.2353%253
Noncurrent assets plus other real estate owned to assets0.0270%4,173
Noncurrent loans to loans0.0381%4,090
Net loans and leases to total assets69.8511%1,309
Net loans and leases to deposits79.9683%1,525
Net loans and leases to core deposits87.2647%1,435
Total domestic deposits to total assets87.3484%2,156
Equity capital to assets7.6175%4,669
Core capital (leverage) ratio7.7182%4,711
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8961%2,326
Memoranda:
Average total assets$489,936,0001,729
Average earning assets$451,959,5001,738
Average equity$38,233,5002,152
Average total loans$348,228,5001,567
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6404%1,017
Cost of funding earning assets0.8448%1,037
Net interest margin3.7956%1,511
Noninterest income to average assets1.3241%659
Noninterest expense to average assets3.3894%801
Loan and lease loss provision to assets0.4282%679
Net operating income to assets0.8025%3,082
Return on assets (ROA)0.8123%3,167
Pretax return on assets1.0222%2,968
Return on Equity (ROE)9.9853%2,012
Retained earnings to average equity (ytd only)9.6236%655
Net charge-offs to loans0.0499%2,084
Credit loss provision to net charge-offs1,146.6667%703
Earnings coverage of net charge-offs (x)38.5030%1,418
Efficiency ratio70.2129%1,923
Assets per employee ($millions)4.3659%4,053
Cash dividends to net income (ytd only)*3.6222%3,685
Condition Ratios (%)
Loss allowance to loans1.3231%2,298
Loan loss allowance to noncurrent loans2,692.8144%319
Noncurrent assets plus other real estate owned to assets0.0351%4,183
Noncurrent loans to loans0.0491%4,098
Net loans and leases to total assets70.4749%1,499
Net loans and leases to deposits81.2523%1,735
Net loans and leases to core deposits91.1171%1,451
Total domestic deposits to total assets86.7359%2,064
Equity capital to assets8.0011%4,705
Core capital (leverage) ratio7.7678%4,746
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7717%2,321
Memoranda:
Average total assets$441,813,6001,733
Average earning assets$407,788,4001,740
Average equity$35,942,8002,181
Average total loans$330,873,6001,573
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6975%1,073
Cost of funding earning assets0.9014%1,065
Net interest margin3.7961%1,628
Noninterest income to average assets1.2001%741
Noninterest expense to average assets3.2879%923
Loan and lease loss provision to assets0.5001%584
Net operating income to assets0.7311%3,351
Return on assets (ROA)0.7447%3,405
Pretax return on assets0.9358%3,280
Return on Equity (ROE)9.1122%2,349
Retained earnings to average equity (ytd only)8.8675%1,020
Net charge-offs to loans0.0702%1,618
Credit loss provision to net charge-offs939.3064%870
Earnings coverage of net charge-offs (x)26.6532%1,689
Efficiency ratio69.8549%1,905
Assets per employee ($millions)4.4708%3,879
Cash dividends to net income (ytd only)*2.6860%3,302
Condition Ratios (%)
Loss allowance to loans1.1902%2,717
Loan loss allowance to noncurrent loans2,911.7241%252
Noncurrent assets plus other real estate owned to assets0.0312%4,305
Noncurrent loans to loans0.0409%4,225
Net loans and leases to total assets75.3838%1,179
Net loans and leases to deposits88.0146%1,485
Net loans and leases to core deposits99.5843%1,185
Total domestic deposits to total assets85.6491%2,198
Equity capital to assets7.9854%4,716
Core capital (leverage) ratio7.7955%4,787
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.8134%2,283
Memoranda:
Average total assets$433,295,2501,728
Average earning assets$400,258,0001,743
Average equity$35,409,5002,194
Average total loans$328,622,5001,577
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7379%1,313
Cost of funding earning assets0.9667%1,083
Net interest margin3.7712%1,913
Noninterest income to average assets1.0697%872
Noninterest expense to average assets3.1693%1,213
Loan and lease loss provision to assets0.5654%576
Net operating income to assets0.6475%3,590
Return on assets (ROA)0.6680%3,605
Pretax return on assets0.8473%3,460
Return on Equity (ROE)8.1065%2,704
Retained earnings to average equity (ytd only)7.7333%1,392
Net charge-offs to loans0.0994%1,278
Credit loss provision to net charge-offs751.5723%948
Earnings coverage of net charge-offs (x)18.4340%1,766
Efficiency ratio69.5639%2,010
Assets per employee ($millions)4.3566%3,950
Cash dividends to net income (ytd only)*4.6034%3,132
Condition Ratios (%)
Loss allowance to loans1.1033%3,034
Loan loss allowance to noncurrent loans2,378.7500%260
Noncurrent assets plus other real estate owned to assets0.0353%4,370
Noncurrent loans to loans0.0464%4,297
Net loans and leases to total assets75.2939%1,231
Net loans and leases to deposits87.9750%1,564
Net loans and leases to core deposits99.4146%1,298
Total domestic deposits to total assets85.5855%2,170
Equity capital to assets7.9362%4,751
Core capital (leverage) ratio7.7449%4,837
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7838%2,282
Memoranda:
Average total assets$422,739,6671,736
Average earning assets$390,802,0001,754
Average equity$34,836,3332,213
Average total loans$319,920,6671,594
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7538%1,551
Cost of funding earning assets1.0424%1,248
Net interest margin3.7113%2,288
Noninterest income to average assets0.8175%1,263
Noninterest expense to average assets3.3830%1,094
Loan and lease loss provision to assets0.1855%1,616
Net operating income to assets0.5398%3,778
Return on assets (ROA)0.5830%3,712
Pretax return on assets0.7272%3,601
Return on Equity (ROE)6.9321%2,977
Retained earnings to average equity (ytd only)6.1735%1,811
Net charge-offs to loans0.0182%2,004
Credit loss provision to net charge-offs1,350.0000%469
Earnings coverage of net charge-offs (x)62.5000%787
Efficiency ratio79.7547%1,163
Assets per employee ($millions)3.8578%4,107
Cash dividends to net income (ytd only)*10.9428%2,474
Condition Ratios (%)
Loss allowance to loans0.9460%3,947
Loan loss allowance to noncurrent loans2,300.7813%263
Noncurrent assets plus other real estate owned to assets0.0313%4,462
Noncurrent loans to loans0.0411%4,391
Net loans and leases to total assets75.4077%1,404
Net loans and leases to deposits88.5028%1,693
Net loans and leases to core deposits101.8924%1,331
Total domestic deposits to total assets85.2038%2,329
Equity capital to assets8.5756%4,801
Core capital (leverage) ratio8.4100%4,836
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio12.9717%2,714
Memoranda:
Average total assets$407,566,5001,740
Average earning assets$376,038,0001,760
Average equity$34,275,5002,232
Average total loans$307,405,0001,611
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9104%1,723
Cost of funding earning assets1.0880%1,371
Net interest margin3.8223%2,437
Noninterest income to average assets0.7183%1,749
Noninterest expense to average assets3.3488%1,209
Loan and lease loss provision to assets0.1064%1,954
Net operating income to assets0.6348%4,059
Return on assets (ROA)0.6412%4,107
Pretax return on assets0.7964%3,978
Return on Equity (ROE)7.8133%3,243
Retained earnings to average equity (ytd only)7.0307%1,375
Net charge-offs to loans0.0419%2,552
Credit loss provision to net charge-offs336.5854%824
Earnings coverage of net charge-offs (x)28.3171%1,633
Efficiency ratio78.9139%1,045
Assets per employee ($millions)3.9437%3,982
Cash dividends to net income (ytd only)*10.0160%3,749
Condition Ratios (%)
Loss allowance to loans0.9127%3,905
Loan loss allowance to noncurrent loans893.5484%623
Noncurrent assets plus other real estate owned to assets0.0763%4,258
Noncurrent loans to loans0.1021%4,114
Net loans and leases to total assets74.0345%1,748
Net loans and leases to deposits88.3513%1,792
Net loans and leases to core deposits101.9980%1,405
Total domestic deposits to total assets83.7956%2,913
Equity capital to assets8.2429%4,999
Core capital (leverage) ratio8.2713%4,955
Tier 1 risk-based capital ratio11.9611%4,384
Total risk-based capital ratio12.9598%4,405
Memoranda:
Average total assets$389,243,4001,773
Average earning assets$358,996,2001,781
Average equity$31,945,6002,302
Average total loans$293,834,4001,635
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9021%1,812
Cost of funding earning assets1.0874%1,397
Net interest margin3.8148%2,544
Noninterest income to average assets0.7189%1,705
Noninterest expense to average assets3.3478%1,183
Loan and lease loss provision to assets0.0914%2,083
Net operating income to assets0.6417%4,177
Return on assets (ROA)0.6500%4,211
Pretax return on assets0.8111%4,097
Return on Equity (ROE)7.9293%3,346
Retained earnings to average equity (ytd only)7.1267%1,801
Net charge-offs to loans0.0426%2,244
Credit loss provision to net charge-offs283.8710%992
Earnings coverage of net charge-offs (x)27.6982%1,707
Efficiency ratio78.9594%1,020
Assets per employee ($millions)3.7720%4,191
Cash dividends to net income (ytd only)*10.1227%3,356
Condition Ratios (%)
Loss allowance to loans0.8671%4,172
Loan loss allowance to noncurrent loans1,802.7211%356
Noncurrent assets plus other real estate owned to assets0.0719%4,356
Noncurrent loans to loans0.0481%4,430
Net loans and leases to total assets77.2345%1,276
Net loans and leases to deposits90.5794%1,624
Net loans and leases to core deposits105.3217%1,236
Total domestic deposits to total assets85.2671%2,315
Equity capital to assets8.4150%5,027
Core capital (leverage) ratio8.3998%4,984
Tier 1 risk-based capital ratio11.9072%4,459
Total risk-based capital ratio12.8745%4,506
Memoranda:
Average total assets$385,003,2501,798
Average earning assets$355,346,2501,807
Average equity$31,561,2502,336
Average total loans$291,417,7501,652
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8086%2,034
Cost of funding earning assets1.0806%1,376
Net interest margin3.7280%2,838
Noninterest income to average assets0.6080%2,108
Noninterest expense to average assets3.2715%1,338
Loan and lease loss provision to assets0.0685%2,449
Net operating income to assets0.5744%4,372
Return on assets (ROA)0.5871%4,378
Pretax return on assets0.7267%4,268
Return on Equity (ROE)7.2270%3,593
Retained earnings to average equity (ytd only)6.4225%2,093
Net charge-offs to loans0.0433%2,032
Credit loss provision to net charge-offs211.2903%1,158
Earnings coverage of net charge-offs (x)24.0484%1,638
Efficiency ratio80.7588%904
Assets per employee ($millions)3.6778%4,273
Cash dividends to net income (ytd only)*11.1309%3,251
Condition Ratios (%)
Loss allowance to loans0.8533%4,255
Loan loss allowance to noncurrent loans943.7037%625
Noncurrent assets plus other real estate owned to assets0.1028%4,242
Noncurrent loans to loans0.0904%4,279
Net loans and leases to total assets76.6643%1,439
Net loans and leases to deposits89.5008%1,798
Net loans and leases to core deposits104.1171%1,377
Total domestic deposits to total assets85.6577%2,197
Equity capital to assets8.3242%5,110
Core capital (leverage) ratio8.3151%5,051
Tier 1 risk-based capital ratio11.9959%4,421
Total risk-based capital ratio12.9532%4,476
Memoranda:
Average total assets$382,575,6701,813
Average earning assets$353,326,0001,822
Average equity$31,078,0002,351
Average total loans$286,680,3301,679
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7142%2,179
Cost of funding earning assets1.0868%1,231
Net interest margin3.6273%3,148
Noninterest income to average assets0.5431%2,326
Noninterest expense to average assets3.1977%1,492
Loan and lease loss provision to assets0.0504%2,646
Net operating income to assets0.5214%4,459
Return on assets (ROA)0.5452%4,421
Pretax return on assets0.6692%4,374
Return on Equity (ROE)6.7968%3,743
Retained earnings to average equity (ytd only)6.0110%2,451
Net charge-offs to loans0.0185%2,096
Credit loss provision to net charge-offs369.2308%734
Earnings coverage of net charge-offs (x)50.5385%1,015
Efficiency ratio82.2480%850
Assets per employee ($millions)3.7365%4,294
Cash dividends to net income (ytd only)*11.5607%2,624
Condition Ratios (%)
Loss allowance to loans0.8836%4,221
Loan loss allowance to noncurrent loans512.0163%1,026
Noncurrent assets plus other real estate owned to assets0.1468%4,068
Noncurrent loans to loans0.1726%3,977
Net loans and leases to total assets73.2740%1,937
Net loans and leases to deposits85.0221%2,251
Net loans and leases to core deposits98.7668%1,725
Total domestic deposits to total assets86.1823%2,190
Equity capital to assets8.0499%5,165
Core capital (leverage) ratio8.2817%5,111
Tier 1 risk-based capital ratio12.2381%4,331
Total risk-based capital ratio13.2183%4,371
Memoranda:
Average total assets$380,777,0001,834
Average earning assets$351,112,0001,844
Average equity$30,544,0002,383
Average total loans$280,718,0001,716
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6415%2,013
Cost of funding earning assets0.8975%1,102
Net interest margin3.7440%2,880
Noninterest income to average assets0.6148%2,220
Noninterest expense to average assets3.3003%1,320
Loan and lease loss provision to assets0.0918%2,314
Net operating income to assets0.6115%4,381
Return on assets (ROA)0.6170%4,380
Pretax return on assets0.6749%4,477
Return on Equity (ROE)7.6402%3,600
Retained earnings to average equity (ytd only)6.5030%1,921
Net charge-offs to loans0.0476%2,481
Credit loss provision to net charge-offs259.8425%1,155
Earnings coverage of net charge-offs (x)21.5197%1,937
Efficiency ratio81.2693%866
Assets per employee ($millions)3.6572%4,384
Cash dividends to net income (ytd only)*14.8850%3,680
Condition Ratios (%)
Loss allowance to loans0.8952%4,190
Loan loss allowance to noncurrent loans595.9135%945
Noncurrent assets plus other real estate owned to assets0.1301%4,174
Noncurrent loans to loans0.1502%4,070
Net loans and leases to total assets72.8551%2,121
Net loans and leases to deposits85.6381%2,324
Net loans and leases to core deposits99.6431%1,742
Total domestic deposits to total assets85.0733%2,615
Equity capital to assets7.9925%5,166
Core capital (leverage) ratio8.2988%5,121
Tier 1 risk-based capital ratio12.4236%4,183
Total risk-based capital ratio13.4193%4,201
Memoranda:
Average total assets$359,300,6001,880
Average earning assets$330,712,0001,884
Average equity$29,017,4002,393
Average total loans$266,596,4001,749
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6007%1,971
Cost of funding earning assets0.8364%1,166
Net interest margin3.7643%2,775
Noninterest income to average assets0.6329%2,153
Noninterest expense to average assets3.3221%1,254
Loan and lease loss provision to assets0.1018%1,964
Net operating income to assets0.6260%4,431
Return on assets (ROA)0.6337%4,422
Pretax return on assets0.6848%4,568
Return on Equity (ROE)7.8249%3,616
Retained earnings to average equity (ytd only)6.5726%2,352
Net charge-offs to loans0.0258%2,602
Credit loss provision to net charge-offs531.3725%662
Earnings coverage of net charge-offs (x)40.6265%1,341
Efficiency ratio81.0187%858
Assets per employee ($millions)3.8326%4,134
Cash dividends to net income (ytd only)*16.0047%3,172
Condition Ratios (%)
Loss allowance to loans0.9146%4,209
Loan loss allowance to noncurrent loans575.1152%955
Noncurrent assets plus other real estate owned to assets0.1180%4,386
Noncurrent loans to loans0.1590%4,166
Net loans and leases to total assets73.4979%2,075
Net loans and leases to deposits85.2342%2,448
Net loans and leases to core deposits99.3435%1,842
Total domestic deposits to total assets86.2305%2,085
Equity capital to assets7.9379%5,198
Core capital (leverage) ratio8.4528%5,117
Tier 1 risk-based capital ratio12.3260%4,301
Total risk-based capital ratio13.3360%4,342
Memoranda:
Average total assets$354,952,5001,906
Average earning assets$326,957,7501,911
Average equity$28,745,0002,415
Average total loans$264,015,7501,769
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5508%1,938
Cost of funding earning assets0.7777%1,239
Net interest margin3.7732%2,655
Noninterest income to average assets0.6833%1,939
Noninterest expense to average assets3.3141%1,284
Loan and lease loss provision to assets0.0981%1,975
Net operating income to assets0.6390%4,382
Return on assets (ROA)0.6400%4,387
Pretax return on assets0.7484%4,394
Return on Equity (ROE)7.8485%3,570
Retained earnings to average equity (ytd only)6.3796%2,370
Net charge-offs to loans0.0429%2,008
Credit loss provision to net charge-offs307.1429%984
Earnings coverage of net charge-offs (x)26.4643%1,598
Efficiency ratio79.6764%1,048
Assets per employee ($millions)3.5887%4,487
Cash dividends to net income (ytd only)*18.7166%3,032
Condition Ratios (%)
Loss allowance to loans0.8956%4,361
Loan loss allowance to noncurrent loans1,172.5490%523
Noncurrent assets plus other real estate owned to assets0.0574%4,737
Noncurrent loans to loans0.0764%4,576
Net loans and leases to total assets74.5036%1,864
Net loans and leases to deposits90.9072%1,719
Net loans and leases to core deposits103.4979%1,433
Total domestic deposits to total assets81.9557%3,736
Equity capital to assets8.1285%5,181
Core capital (leverage) ratio8.4610%5,134
Tier 1 risk-based capital ratio12.4266%4,231
Total risk-based capital ratio13.4189%4,271
Memoranda:
Average total assets$350,626,6701,937
Average earning assets$323,018,0001,934
Average equity$28,591,3302,438
Average total loans$261,048,6701,786
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4582%1,999
Cost of funding earning assets0.7353%1,260
Net interest margin3.7229%2,718
Noninterest income to average assets0.6891%1,883
Noninterest expense to average assets3.3454%1,260
Loan and lease loss provision to assets0.1045%1,777
Net operating income to assets0.5722%4,505
Return on assets (ROA)0.5742%4,506
Pretax return on assets0.6661%4,527
Return on Equity (ROE)7.0305%3,776
Retained earnings to average equity (ytd only)5.6244%2,882
Net charge-offs to loans0.0279%1,940
Credit loss provision to net charge-offs505.5556%576
Earnings coverage of net charge-offs (x)37.1667%1,107
Efficiency ratio81.3233%1,017
Assets per employee ($millions)3.7336%4,367
Cash dividends to net income (ytd only)*20.0000%2,402
Condition Ratios (%)
Loss allowance to loans0.9020%4,444
Loan loss allowance to noncurrent loans1,108.0189%551
Noncurrent assets plus other real estate owned to assets0.0721%4,729
Noncurrent loans to loans0.0814%4,618
Net loans and leases to total assets73.5330%1,937
Net loans and leases to deposits89.5240%1,744
Net loans and leases to core deposits101.6500%1,564
Total domestic deposits to total assets82.1377%3,914
Equity capital to assets8.1010%5,232
Core capital (leverage) ratio8.5425%5,117
Tier 1 risk-based capital ratio12.4505%4,278
Total risk-based capital ratio13.4438%4,336
Memoranda:
Average total assets$348,299,0001,960
Average earning assets$320,397,0001,958
Average equity$28,447,5002,470
Average total loans$258,028,0001,804
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4866%1,756
Cost of funding earning assets0.6857%1,105
Net interest margin3.8009%2,424
Noninterest income to average assets0.5828%2,535
Noninterest expense to average assets3.2379%1,533
Loan and lease loss provision to assets0.0632%2,965
Net operating income to assets0.4197%4,624
Return on assets (ROA)0.4413%4,586
Pretax return on assets0.7962%4,253
Return on Equity (ROE)5.2157%4,079
Retained earnings to average equity (ytd only)4.5575%2,423
Net charge-offs to loans0.0588%2,635
Credit loss provision to net charge-offs146.8531%1,815
Earnings coverage of net charge-offs (x)19.1818%2,032
Efficiency ratio79.6800%1,137
Assets per employee ($millions)3.7982%4,285
Cash dividends to net income (ytd only)*12.6194%3,879
Condition Ratios (%)
Loss allowance to loans0.8903%4,523
Loan loss allowance to noncurrent loans1,161.2245%562
Noncurrent assets plus other real estate owned to assets0.0694%4,776
Noncurrent loans to loans0.0767%4,654
Net loans and leases to total assets73.3020%2,046
Net loans and leases to deposits90.5779%1,702
Net loans and leases to core deposits103.5183%1,443
Total domestic deposits to total assets80.9270%4,135
Equity capital to assets8.2352%5,284
Core capital (leverage) ratio8.5863%5,059
Tier 1 risk-based capital ratio12.4666%4,225
Total risk-based capital ratio13.4436%4,296
Memoranda:
Average total assets$332,185,8001,996
Average earning assets$304,219,4002,019
Average equity$28,107,4002,483
Average total loans$243,192,2001,858
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4835%1,691
Cost of funding earning assets0.6830%1,057
Net interest margin3.8004%2,400
Noninterest income to average assets0.5920%2,522
Noninterest expense to average assets3.2438%1,471
Loan and lease loss provision to assets0.0572%2,945
Net operating income to assets0.5520%4,566
Return on assets (ROA)0.5847%4,480
Pretax return on assets0.8130%4,316
Return on Equity (ROE)6.8620%3,741
Retained earnings to average equity (ytd only)5.9817%2,249
Net charge-offs to loans0.0411%2,612
Credit loss provision to net charge-offs190.5405%1,394
Earnings coverage of net charge-offs (x)27.4876%1,633
Efficiency ratio79.7289%1,138
Assets per employee ($millions)3.6644%4,495
Cash dividends to net income (ytd only)*12.8294%3,385
Condition Ratios (%)
Loss allowance to loans0.9124%4,508
Loan loss allowance to noncurrent loans1,161.2245%529
Noncurrent assets plus other real estate owned to assets0.0588%4,940
Noncurrent loans to loans0.0786%4,763
Net loans and leases to total assets74.1279%1,891
Net loans and leases to deposits90.3938%1,762
Net loans and leases to core deposits102.8613%1,475
Total domestic deposits to total assets82.0055%3,780
Equity capital to assets8.6504%5,188
Core capital (leverage) ratio8.7476%5,019
Tier 1 risk-based capital ratio12.6525%4,234
Total risk-based capital ratio13.6481%4,288
Memoranda:
Average total assets$328,822,2502,031
Average earning assets$300,801,5002,054
Average equity$28,018,2502,503
Average total loans$240,081,0001,892
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4237%1,740
Cost of funding earning assets0.6815%983
Net interest margin3.7423%2,506
Noninterest income to average assets0.5769%2,571
Noninterest expense to average assets3.1509%1,701
Loan and lease loss provision to assets0.0856%2,276
Net operating income to assets0.5453%4,546
Return on assets (ROA)0.5818%4,437
Pretax return on assets0.8042%4,257
Return on Equity (ROE)6.8632%3,629
Retained earnings to average equity (ytd only)5.9981%2,116
Net charge-offs to loans0.0321%2,559
Credit loss provision to net charge-offs368.4211%842
Earnings coverage of net charge-offs (x)36.1316%1,338
Efficiency ratio78.9707%1,338
Assets per employee ($millions)3.5963%4,581
Cash dividends to net income (ytd only)*12.6050%3,317
Condition Ratios (%)
Loss allowance to loans0.9449%4,441
Loan loss allowance to noncurrent loans1,662.5899%393
Noncurrent assets plus other real estate owned to assets0.0420%5,076
Noncurrent loans to loans0.0568%4,904
Net loans and leases to total assets73.2267%2,000
Net loans and leases to deposits88.6059%1,908
Net loans and leases to core deposits100.5720%1,612
Total domestic deposits to total assets82.6432%3,674
Equity capital to assets8.6146%5,214
Core capital (leverage) ratio8.7460%5,007
Tier 1 risk-based capital ratio12.5458%4,275
Total risk-based capital ratio13.5632%4,309
Memoranda:
Average total assets$327,275,3302,036
Average earning assets$298,481,0002,066
Average equity$27,742,3302,522
Average total loans$236,953,0001,909
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3612%1,779
Cost of funding earning assets0.6781%942
Net interest margin3.6831%2,549
Noninterest income to average assets0.5149%2,874
Noninterest expense to average assets3.1338%1,781
Loan and lease loss provision to assets0.0614%2,580
Net operating income to assets0.4930%4,629
Return on assets (ROA)0.5493%4,427
Pretax return on assets0.7398%4,310
Return on Equity (ROE)6.5345%3,644
Retained earnings to average equity (ytd only)5.6574%2,517
Net charge-offs to loans0.0412%1,999
Credit loss provision to net charge-offs208.3333%993
Earnings coverage of net charge-offs (x)24.5833%1,352
Efficiency ratio81.2102%1,235
Assets per employee ($millions)3.6491%4,578
Cash dividends to net income (ytd only)*13.4228%2,648
Condition Ratios (%)
Loss allowance to loans0.9427%4,589
Loan loss allowance to noncurrent loans894.0000%653
Noncurrent assets plus other real estate owned to assets0.0770%4,967
Noncurrent loans to loans0.1054%4,766
Net loans and leases to total assets72.3168%2,031
Net loans and leases to deposits87.4295%1,869
Net loans and leases to core deposits99.5693%1,535
Total domestic deposits to total assets82.7144%3,942
Equity capital to assets8.5221%5,223
Core capital (leverage) ratio8.7556%4,995
Tier 1 risk-based capital ratio12.5638%4,350
Total risk-based capital ratio13.5647%4,404
Memoranda:
Average total assets$325,485,0002,063
Average earning assets$295,515,5002,100
Average equity$27,362,5002,554
Average total loans$233,136,5001,937
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4953%1,551
Cost of funding earning assets0.7291%705
Net interest margin3.7663%2,447
Noninterest income to average assets0.6265%2,523
Noninterest expense to average assets3.2623%1,661
Loan and lease loss provision to assets0.0750%2,852
Net operating income to assets0.5360%4,490
Return on assets (ROA)0.5912%4,359
Pretax return on assets0.8080%4,165
Return on Equity (ROE)6.9472%3,496
Retained earnings to average equity (ytd only)6.0399%1,681
Net charge-offs to loans0.1236%2,024
Credit loss provision to net charge-offs85.3047%2,890
Earnings coverage of net charge-offs (x)9.1828%2,775
Efficiency ratio80.1611%1,402
Assets per employee ($millions)3.6245%4,574
Cash dividends to net income (ytd only)*13.0597%3,944
Condition Ratios (%)
Loss allowance to loans0.9639%4,504
Loan loss allowance to noncurrent loans1,589.2086%400
Noncurrent assets plus other real estate owned to assets0.0426%5,185
Noncurrent loans to loans0.0607%4,998
Net loans and leases to total assets69.5788%2,546
Net loans and leases to deposits85.5128%2,236
Net loans and leases to core deposits97.5041%1,802
Total domestic deposits to total assets81.3665%4,244
Equity capital to assets8.2918%5,425
Core capital (leverage) ratio8.5758%5,190
Tier 1 risk-based capital ratio12.6975%4,272
Total risk-based capital ratio13.7113%4,291
Memoranda:
Average total assets$317,318,2002,074
Average earning assets$290,100,4002,102
Average equity$27,003,8002,571
Average total loans$225,766,2001,938
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5009%1,542
Cost of funding earning assets0.7348%682
Net interest margin3.7661%2,467
Noninterest income to average assets0.6241%2,554
Noninterest expense to average assets3.2176%1,734
Loan and lease loss provision to assets0.1248%1,866
Net operating income to assets0.5405%4,535
Return on assets (ROA)0.6131%4,352
Pretax return on assets0.8404%4,188
Return on Equity (ROE)7.1573%3,474
Retained earnings to average equity (ytd only)6.2435%2,039
Net charge-offs to loans0.1435%1,553
Credit loss provision to net charge-offs121.9008%2,067
Earnings coverage of net charge-offs (x)8.4545%2,764
Efficiency ratio78.7979%1,580
Assets per employee ($millions)3.6747%4,525
Cash dividends to net income (ytd only)*12.7674%3,478
Condition Ratios (%)
Loss allowance to loans0.9904%4,466
Loan loss allowance to noncurrent loans1,293.8202%455
Noncurrent assets plus other real estate owned to assets0.0912%5,076
Noncurrent loans to loans0.0765%5,041
Net loans and leases to total assets71.1968%2,319
Net loans and leases to deposits86.0524%2,250
Net loans and leases to core deposits97.6445%1,849
Total domestic deposits to total assets82.7366%3,691
Equity capital to assets8.5720%5,493
Core capital (leverage) ratio8.5511%5,316
Tier 1 risk-based capital ratio12.3742%4,557
Total risk-based capital ratio13.4181%4,589
Memoranda:
Average total assets$315,097,0002,093
Average earning assets$289,413,2502,109
Average equity$26,992,7502,587
Average total loans$224,913,5001,951
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5153%1,473
Cost of funding earning assets0.7401%665
Net interest margin3.7752%2,425
Noninterest income to average assets0.5949%2,645
Noninterest expense to average assets3.1844%1,852
Loan and lease loss provision to assets0.1191%1,912
Net operating income to assets0.5477%4,490
Return on assets (ROA)0.6211%4,315
Pretax return on assets0.8542%4,102
Return on Equity (ROE)7.2522%3,395
Retained earnings to average equity (ytd only)6.3551%1,933
Net charge-offs to loans0.1844%1,237
Credit loss provision to net charge-offs90.7317%2,233
Earnings coverage of net charge-offs (x)6.6488%2,720
Efficiency ratio78.4880%1,713
Assets per employee ($millions)3.4189%4,889
Cash dividends to net income (ytd only)*12.3711%3,421
Condition Ratios (%)
Loss allowance to loans0.9833%4,599
Loan loss allowance to noncurrent loans2,300.0000%285
Noncurrent assets plus other real estate owned to assets0.0811%5,199
Noncurrent loans to loans0.0428%5,293
Net loans and leases to total assets71.4221%2,257
Net loans and leases to deposits86.3282%2,214
Net loans and leases to core deposits98.0315%1,805
Total domestic deposits to total assets82.7332%3,750
Equity capital to assets8.6879%5,493
Core capital (leverage) ratio8.4094%5,438
Tier 1 risk-based capital ratio12.4799%4,543
Total risk-based capital ratio13.5155%4,586
Memoranda:
Average total assets$312,337,0002,116
Average earning assets$286,448,6702,136
Average equity$26,750,3302,612
Average total loans$222,372,3301,967
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4209%1,740
Cost of funding earning assets0.7291%696
Net interest margin3.6918%2,702
Noninterest income to average assets0.5346%2,901
Noninterest expense to average assets3.1179%2,051
Loan and lease loss provision to assets0.0951%2,105
Net operating income to assets0.5179%4,551
Return on assets (ROA)0.5398%4,573
Pretax return on assets0.7287%4,423
Return on Equity (ROE)6.3487%3,802
Retained earnings to average equity (ytd only)5.5929%2,587
Net charge-offs to loans0.1472%1,230
Credit loss provision to net charge-offs91.3580%1,756
Earnings coverage of net charge-offs (x)7.6296%2,136
Efficiency ratio79.6978%1,648
Assets per employee ($millions)3.8040%4,289
Cash dividends to net income (ytd only)*11.9048%2,677
Condition Ratios (%)
Loss allowance to loans1.0090%4,549
Loan loss allowance to noncurrent loans770.7904%708
Noncurrent assets plus other real estate owned to assets0.2200%4,681
Noncurrent loans to loans0.1309%4,948
Net loans and leases to total assets68.8687%2,519
Net loans and leases to deposits83.3033%2,391
Net loans and leases to core deposits94.5116%1,938
Total domestic deposits to total assets82.6723%4,014
Equity capital to assets8.3875%5,646
Core capital (leverage) ratio8.5945%5,298
Tier 1 risk-based capital ratio12.4073%4,648
Total risk-based capital ratio13.4612%4,680
Memoranda:
Average total assets$311,235,5002,125
Average earning assets$284,741,5002,154
Average equity$26,462,0002,632
Average total loans$220,117,5001,986
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5237%1,525
Cost of funding earning assets0.7890%522
Net interest margin3.7347%2,624
Noninterest income to average assets0.5235%3,177
Noninterest expense to average assets3.2013%1,970
Loan and lease loss provision to assets0.0724%2,823
Net operating income to assets0.4772%4,779
Return on assets (ROA)0.5531%4,579
Pretax return on assets0.7618%4,331
Return on Equity (ROE)6.3419%3,877
Retained earnings to average equity (ytd only)4.9192%2,480
Net charge-offs to loans0.1448%1,911
Credit loss provision to net charge-offs70.0658%3,124
Earnings coverage of net charge-offs (x)7.0658%3,122
Efficiency ratio81.4267%1,482
Assets per employee ($millions)3.6064%4,630
Cash dividends to net income (ytd only)*22.4339%3,691
Condition Ratios (%)
Loss allowance to loans1.0329%4,423
Loan loss allowance to noncurrent loans356.1709%1,405
Noncurrent assets plus other real estate owned to assets0.2542%4,574
Noncurrent loans to loans0.2900%4,423
Net loans and leases to total assets71.1970%2,172
Net loans and leases to deposits89.0075%1,746
Net loans and leases to core deposits99.9606%1,495
Total domestic deposits to total assets79.9899%4,746
Equity capital to assets8.6232%5,448
Core capital (leverage) ratio8.5659%5,362
Tier 1 risk-based capital ratio12.5002%4,633
Total risk-based capital ratio13.5810%4,636
Memoranda:
Average total assets$294,157,6002,184
Average earning assets$268,429,8002,214
Average equity$25,654,6002,641
Average total loans$209,950,8001,996
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5136%1,558
Cost of funding earning assets0.8022%491
Net interest margin3.7113%2,722
Noninterest income to average assets0.5649%2,954
Noninterest expense to average assets3.1976%1,976
Loan and lease loss provision to assets0.0785%2,603
Net operating income to assets0.4858%4,841
Return on assets (ROA)0.5503%4,689
Pretax return on assets0.7649%4,447
Return on Equity (ROE)6.2913%4,010
Retained earnings to average equity (ytd only)4.6989%3,127
Net charge-offs to loans0.1776%1,414
Credit loss provision to net charge-offs62.0939%2,888
Earnings coverage of net charge-offs (x)5.9604%3,127
Efficiency ratio80.9199%1,530
Assets per employee ($millions)3.5418%4,714
Cash dividends to net income (ytd only)*25.3114%3,020
Condition Ratios (%)
Loss allowance to loans1.0412%4,517
Loan loss allowance to noncurrent loans217.8189%2,105
Noncurrent assets plus other real estate owned to assets0.4318%4,054
Noncurrent loans to loans0.4780%3,928
Net loans and leases to total assets70.6199%2,295
Net loans and leases to deposits85.3762%2,224
Net loans and leases to core deposits96.0631%1,872
Total domestic deposits to total assets82.7162%3,913
Equity capital to assets8.6457%5,612
Core capital (leverage) ratio8.7998%5,238
Tier 1 risk-based capital ratio12.6526%4,645
Total risk-based capital ratio13.7551%4,653
Memoranda:
Average total assets$291,962,7502,210
Average earning assets$266,420,0002,241
Average equity$25,537,5002,671
Average total loans$207,955,2502,016
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5351%1,436
Cost of funding earning assets0.8159%451
Net interest margin3.7192%2,629
Noninterest income to average assets0.5711%2,899
Noninterest expense to average assets3.1938%1,999
Loan and lease loss provision to assets0.0858%2,397
Net operating income to assets0.4880%4,820
Return on assets (ROA)0.5593%4,628
Pretax return on assets0.7760%4,403
Return on Equity (ROE)6.3687%3,952
Retained earnings to average equity (ytd only)4.5558%3,131
Net charge-offs to loans0.2169%1,175
Credit loss provision to net charge-offs55.6054%2,645
Earnings coverage of net charge-offs (x)4.9417%2,976
Efficiency ratio80.7208%1,659
Assets per employee ($millions)3.2438%5,265
Cash dividends to net income (ytd only)*28.4653%2,873
Condition Ratios (%)
Loss allowance to loans1.0629%4,522
Loan loss allowance to noncurrent loans238.1104%1,951
Noncurrent assets plus other real estate owned to assets0.4011%4,297
Noncurrent loans to loans0.4464%4,134
Net loans and leases to total assets71.5151%2,071
Net loans and leases to deposits85.9169%2,064
Net loans and leases to core deposits96.3439%1,770
Total domestic deposits to total assets83.2375%3,857
Equity capital to assets8.7387%5,494
Core capital (leverage) ratio8.7906%5,233
Tier 1 risk-based capital ratio12.5777%4,757
Total risk-based capital ratio13.6906%4,766
Memoranda:
Average total assets$288,933,3302,246
Average earning assets$263,013,3302,278
Average equity$25,374,0002,691
Average total loans$205,660,6702,043
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5082%1,432
Cost of funding earning assets0.8372%409
Net interest margin3.6710%2,729
Noninterest income to average assets0.5080%3,232
Noninterest expense to average assets3.1257%2,194
Loan and lease loss provision to assets0.0404%3,104
Net operating income to assets0.4988%4,690
Return on assets (ROA)0.5720%4,502
Pretax return on assets0.7863%4,289
Return on Equity (ROE)6.4967%3,766
Retained earnings to average equity (ytd only)6.4967%2,240
Net charge-offs to loans0.0985%1,737
Credit loss provision to net charge-offs58.0000%2,024
Earnings coverage of net charge-offs (x)10.4400%1,937
Efficiency ratio81.1416%1,739
Assets per employee ($millions)3.4430%5,007
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.1247%4,398
Loan loss allowance to noncurrent loans133.6212%3,023
Noncurrent assets plus other real estate owned to assets0.7182%3,341
Noncurrent loans to loans0.8417%3,143
Net loans and leases to total assets70.5527%2,063
Net loans and leases to deposits83.1976%2,181
Net loans and leases to core deposits93.0995%1,840
Total domestic deposits to total assets84.8015%3,515
Equity capital to assets8.8772%5,417
Core capital (leverage) ratio8.8163%5,184
Tier 1 risk-based capital ratio12.8303%4,709
Total risk-based capital ratio14.0128%4,664
Memoranda:
Average total assets$287,428,0002,268
Average earning assets$261,836,0002,301
Average equity$25,305,0002,720
Average total loans$202,977,5002,065
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6682%1,376
Cost of funding earning assets0.9130%360
Net interest margin3.7552%2,796
Noninterest income to average assets0.5194%3,367
Noninterest expense to average assets3.0979%2,521
Loan and lease loss provision to assets0.0571%3,402
Net operating income to assets0.5737%4,491
Return on assets (ROA)0.6041%4,441
Pretax return on assets0.8389%4,117
Return on Equity (ROE)6.8996%3,691
Retained earnings to average equity (ytd only)6.0070%1,928
Net charge-offs to loans0.1584%2,453
Credit loss provision to net charge-offs50.1597%3,475
Earnings coverage of net charge-offs (x)7.5048%3,024
Efficiency ratio78.3940%2,149
Assets per employee ($millions)3.5265%4,856
Cash dividends to net income (ytd only)*12.9362%4,045
Condition Ratios (%)
Loss allowance to loans1.1734%4,149
Loan loss allowance to noncurrent loans124.9067%3,216
Noncurrent assets plus other real estate owned to assets0.7173%3,418
Noncurrent loans to loans0.9394%2,972
Net loans and leases to total assets69.0527%2,384
Net loans and leases to deposits81.6580%2,519
Net loans and leases to core deposits92.7361%2,017
Total domestic deposits to total assets84.5633%3,476
Equity capital to assets8.7297%5,557
Core capital (leverage) ratio8.7720%5,266
Tier 1 risk-based capital ratio12.9926%4,735
Total risk-based capital ratio14.2211%4,656
Memoranda:
Average total assets$275,124,6002,320
Average earning assets$251,466,2002,335
Average equity$24,088,4002,750
Average total loans$197,569,8002,056
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7040%1,295
Cost of funding earning assets0.9185%375
Net interest margin3.7854%2,671
Noninterest income to average assets0.5245%3,369
Noninterest expense to average assets3.0806%2,524
Loan and lease loss provision to assets0.0822%2,707
Net operating income to assets0.5941%4,467
Return on assets (ROA)0.6033%4,523
Pretax return on assets0.8367%4,228
Return on Equity (ROE)6.8853%3,766
Retained earnings to average equity (ytd only)5.9639%2,436
Net charge-offs to loans0.1035%2,760
Credit loss provision to net charge-offs109.8039%2,042
Earnings coverage of net charge-offs (x)12.1049%2,348
Efficiency ratio77.2705%2,307
Assets per employee ($millions)3.3558%5,128
Cash dividends to net income (ytd only)*13.3817%3,443
Condition Ratios (%)
Loss allowance to loans1.2704%3,808
Loan loss allowance to noncurrent loans185.1879%2,289
Noncurrent assets plus other real estate owned to assets0.5805%4,103
Noncurrent loans to loans0.6860%3,893
Net loans and leases to total assets70.1154%2,178
Net loans and leases to deposits80.9631%2,555
Net loans and leases to core deposits92.1547%2,025
Total domestic deposits to total assets86.6017%2,527
Equity capital to assets8.8118%5,538
Core capital (leverage) ratio8.8670%5,240
Tier 1 risk-based capital ratio12.9140%4,918
Total risk-based capital ratio14.1651%4,830
Memoranda:
Average total assets$272,494,7502,356
Average earning assets$249,229,2502,362
Average equity$23,876,5002,772
Average total loans$197,065,5002,074
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7099%1,261
Cost of funding earning assets0.9107%402
Net interest margin3.7993%2,577
Noninterest income to average assets0.5302%3,263
Noninterest expense to average assets3.0398%2,691
Loan and lease loss provision to assets0.1020%2,315
Net operating income to assets0.6233%4,229
Return on assets (ROA)0.6233%4,328
Pretax return on assets0.8681%4,004
Return on Equity (ROE)7.1278%3,557
Retained earnings to average equity (ytd only)5.7326%2,490
Net charge-offs to loans0.0711%2,995
Credit loss provision to net charge-offs197.1429%1,188
Earnings coverage of net charge-offs (x)18.7429%1,663
Efficiency ratio75.8067%2,671
Assets per employee ($millions)3.3358%5,185
Cash dividends to net income (ytd only)*19.5730%3,182
Condition Ratios (%)
Loss allowance to loans1.2910%3,903
Loan loss allowance to noncurrent loans166.8401%2,488
Noncurrent assets plus other real estate owned to assets0.6504%4,039
Noncurrent loans to loans0.7738%3,765
Net loans and leases to total assets71.7229%1,793
Net loans and leases to deposits83.4246%2,098
Net loans and leases to core deposits95.9064%1,609
Total domestic deposits to total assets85.9733%3,055
Equity capital to assets8.8391%5,483
Core capital (leverage) ratio8.7511%5,337
Tier 1 risk-based capital ratio12.7318%5,070
Total risk-based capital ratio13.9833%5,014
Memoranda:
Average total assets$270,481,3302,371
Average earning assets$247,731,3302,380
Average equity$23,654,0002,784
Average total loans$196,817,6702,073
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7031%1,249
Cost of funding earning assets0.9081%432
Net interest margin3.7950%2,490
Noninterest income to average assets0.5681%2,929
Noninterest expense to average assets3.0176%2,806
Loan and lease loss provision to assets0.1353%1,793
Net operating income to assets0.6202%4,100
Return on assets (ROA)0.6202%4,180
Pretax return on assets0.8894%3,740
Return on Equity (ROE)7.1306%3,398
Retained earnings to average equity (ytd only)5.4207%2,840
Net charge-offs to loans0.0899%2,263
Credit loss provision to net charge-offs206.8182%1,011
Earnings coverage of net charge-offs (x)15.6591%1,538
Efficiency ratio74.6505%3,025
Assets per employee ($millions)3.7088%4,501
Cash dividends to net income (ytd only)*23.9808%2,436
Condition Ratios (%)
Loss allowance to loans1.3025%4,110
Loan loss allowance to noncurrent loans172.3087%2,364
Noncurrent assets plus other real estate owned to assets0.6345%4,229
Noncurrent loans to loans0.7559%3,976
Net loans and leases to total assets71.2290%1,691
Net loans and leases to deposits83.2430%1,922
Net loans and leases to core deposits95.5308%1,421
Total domestic deposits to total assets85.5676%3,577
Equity capital to assets8.7233%5,429
Core capital (leverage) ratio8.8285%5,233
Tier 1 risk-based capital ratio12.7572%5,156
Total risk-based capital ratio13.9699%5,116
Memoranda:
Average total assets$268,954,0002,387
Average earning assets$246,219,5002,388
Average equity$23,392,0002,806
Average total loans$195,849,5002,087
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8454%1,211
Cost of funding earning assets0.9784%503
Net interest margin3.8670%2,408
Noninterest income to average assets0.5777%3,228
Noninterest expense to average assets3.2172%2,365
Loan and lease loss provision to assets0.1536%2,356
Net operating income to assets0.5444%4,535
Return on assets (ROA)0.6497%4,141
Pretax return on assets0.9052%3,746
Return on Equity (ROE)7.3333%3,393
Retained earnings to average equity (ytd only)4.1402%3,226
Net charge-offs to loans0.0861%4,007
Credit loss provision to net charge-offs243.2927%940
Earnings coverage of net charge-offs (x)14.4573%1,941
Efficiency ratio77.9031%2,489
Assets per employee ($millions)3.6103%4,654
Cash dividends to net income (ytd only)*43.5427%2,628
Condition Ratios (%)
Loss allowance to loans1.2725%4,281
Loan loss allowance to noncurrent loans170.1635%2,381
Noncurrent assets plus other real estate owned to assets0.6472%4,294
Noncurrent loans to loans0.7478%4,097
Net loans and leases to total assets72.5426%1,589
Net loans and leases to deposits88.3745%1,424
Net loans and leases to core deposits100.1509%1,146
Total domestic deposits to total assets82.0855%4,842
Equity capital to assets8.6711%5,403
Core capital (leverage) ratio8.9478%5,083
Tier 1 risk-based capital ratio12.5680%5,246
Total risk-based capital ratio13.8193%5,196
Memoranda:
Average total assets$259,819,6002,438
Average earning assets$238,658,6002,432
Average equity$23,018,2002,819
Average total loans$190,418,6002,096
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8727%1,182
Cost of funding earning assets0.9930%510
Net interest margin3.8797%2,344
Noninterest income to average assets0.5876%3,233
Noninterest expense to average assets3.2647%2,163
Loan and lease loss provision to assets0.1690%2,150
Net operating income to assets0.5202%4,717
Return on assets (ROA)0.6233%4,374
Pretax return on assets0.8631%4,031
Return on Equity (ROE)6.9968%3,651
Retained earnings to average equity (ytd only)3.0807%4,477
Net charge-offs to loans0.0374%4,398
Credit loss provision to net charge-offs616.9811%461
Earnings coverage of net charge-offs (x)32.4551%1,171
Efficiency ratio78.5990%2,325
Assets per employee ($millions)3.3127%5,265
Cash dividends to net income (ytd only)*55.9703%1,624
Condition Ratios (%)
Loss allowance to loans1.3162%4,303
Loan loss allowance to noncurrent loans165.3846%2,346
Noncurrent assets plus other real estate owned to assets0.6014%4,632
Noncurrent loans to loans0.7959%4,254
Net loans and leases to total assets73.6144%1,346
Net loans and leases to deposits87.4022%1,442
Net loans and leases to core deposits97.7064%1,261
Total domestic deposits to total assets84.2248%4,099
Equity capital to assets8.8426%5,369
Core capital (leverage) ratio8.8721%5,291
Tier 1 risk-based capital ratio12.7853%5,266
Total risk-based capital ratio14.0375%5,203
Memoranda:
Average total assets$257,983,7502,469
Average earning assets$237,123,7502,465
Average equity$22,981,2502,855
Average total loans$188,947,0002,110
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8719%1,168
Cost of funding earning assets0.9961%555
Net interest margin3.8758%2,292
Noninterest income to average assets0.5810%3,311
Noninterest expense to average assets3.2523%2,209
Loan and lease loss provision to assets0.1644%2,274
Net operating income to assets0.5233%4,702
Return on assets (ROA)0.6066%4,427
Pretax return on assets0.8470%4,126
Return on Equity (ROE)6.7924%3,724
Retained earnings to average equity (ytd only)3.0575%4,374
Net charge-offs to loans0.0373%4,162
Credit loss provision to net charge-offs605.7143%479
Earnings coverage of net charge-offs (x)33.0000%1,068
Efficiency ratio78.4031%2,395
Assets per employee ($millions)3.1072%5,664
Cash dividends to net income (ytd only)*54.9872%1,658
Condition Ratios (%)
Loss allowance to loans1.2928%4,546
Loan loss allowance to noncurrent loans163.9785%2,347
Noncurrent assets plus other real estate owned to assets0.5847%4,788
Noncurrent loans to loans0.7884%4,334
Net loans and leases to total assets72.2365%1,534
Net loans and leases to deposits85.9812%1,579
Net loans and leases to core deposits96.2268%1,335
Total domestic deposits to total assets84.0143%4,311
Equity capital to assets8.8275%5,416
Core capital (leverage) ratio8.8006%5,286
Tier 1 risk-based capital ratio12.8259%5,273
Total risk-based capital ratio14.0790%5,200
Memoranda:
Average total assets$257,849,3302,478
Average earning assets$237,320,0002,471
Average equity$23,025,6702,864
Average total loans$187,680,3302,128
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8560%1,190
Cost of funding earning assets1.0087%592
Net interest margin3.8473%2,294
Noninterest income to average assets0.5740%3,278
Noninterest expense to average assets3.2022%2,346
Loan and lease loss provision to assets0.1753%2,115
Net operating income to assets0.5195%4,570
Return on assets (ROA)0.5911%4,412
Pretax return on assets0.8300%4,043
Return on Equity (ROE)6.5816%3,721
Retained earnings to average equity (ytd only)4.8541%3,326
Net charge-offs to loans0.0449%3,399
Credit loss provision to net charge-offs538.0952%499
Earnings coverage of net charge-offs (x)27.7619%1,008
Efficiency ratio77.9751%2,613
Assets per employee ($millions)3.3537%5,325
Cash dividends to net income (ytd only)*26.2467%2,181
Condition Ratios (%)
Loss allowance to loans1.2560%4,914
Loan loss allowance to noncurrent loans139.5969%2,526
Noncurrent assets plus other real estate owned to assets0.7036%4,619
Noncurrent loans to loans0.8997%4,337
Net loans and leases to total assets71.6959%1,401
Net loans and leases to deposits84.8016%1,499
Net loans and leases to core deposits94.7518%1,290
Total domestic deposits to total assets84.5455%4,251
Equity capital to assets9.0185%5,463
Core capital (leverage) ratio8.8164%5,159
Tier 1 risk-based capital ratio12.9249%5,284
Total risk-based capital ratio14.1763%5,234
Memoranda:
Average total assets$257,824,0002,516
Average earning assets$236,737,0002,505
Average equity$23,155,5002,901
Average total loans$187,151,5002,149
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1834%1,148
Cost of funding earning assets1.1119%864
Net interest margin4.0715%2,114
Noninterest income to average assets0.5838%3,368
Noninterest expense to average assets3.1864%2,660
Loan and lease loss provision to assets0.3630%1,823
Net operating income to assets0.5464%4,495
Return on assets (ROA)0.6252%4,376
Pretax return on assets0.8768%4,005
Return on Equity (ROE)7.1087%3,581
Retained earnings to average equity (ytd only)4.5762%3,003
Net charge-offs to loans0.2869%3,227
Credit loss provision to net charge-offs174.9529%1,505
Earnings coverage of net charge-offs (x)5.4407%3,036
Efficiency ratio73.8410%3,094
Assets per employee ($millions)3.3430%5,342
Cash dividends to net income (ytd only)*35.6250%3,105
Condition Ratios (%)
Loss allowance to loans1.2114%5,064
Loan loss allowance to noncurrent loans152.6991%2,342
Noncurrent assets plus other real estate owned to assets0.6997%4,735
Noncurrent loans to loans0.7933%4,596
Net loans and leases to total assets71.6906%1,533
Net loans and leases to deposits86.3196%1,477
Net loans and leases to core deposits96.1166%1,291
Total domestic deposits to total assets83.0525%4,701
Equity capital to assets8.9436%5,587
Core capital (leverage) ratio8.6369%5,413
Tier 1 risk-based capital ratio12.8356%5,225
Total risk-based capital ratio14.0859%5,164
Memoranda:
Average total assets$255,930,2002,481
Average earning assets$234,556,8002,459
Average equity$22,507,6002,912
Average total loans$185,065,4002,139
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1815%1,237
Cost of funding earning assets1.1252%960
Net interest margin4.0564%2,270
Noninterest income to average assets0.5295%3,750
Noninterest expense to average assets3.1851%2,614
Loan and lease loss provision to assets0.3235%2,031
Net operating income to assets0.5293%4,712
Return on assets (ROA)0.6078%4,612
Pretax return on assets0.8520%4,295
Return on Equity (ROE)6.9408%3,852
Retained earnings to average equity (ytd only)4.1407%3,991
Net charge-offs to loans0.2643%3,134
Credit loss provision to net charge-offs169.3989%1,642
Earnings coverage of net charge-offs (x)5.5765%2,986
Efficiency ratio74.9448%2,837
Assets per employee ($millions)3.2642%5,515
Cash dividends to net income (ytd only)*40.3434%2,147
Condition Ratios (%)
Loss allowance to loans1.1354%5,576
Loan loss allowance to noncurrent loans102.2683%3,167
Noncurrent assets plus other real estate owned to assets0.9167%4,447
Noncurrent loans to loans1.1102%4,199
Net loans and leases to total assets71.5527%1,636
Net loans and leases to deposits85.6186%1,648
Net loans and leases to core deposits95.6096%1,441
Total domestic deposits to total assets83.5714%4,401
Equity capital to assets8.8524%5,976
Core capital (leverage) ratio8.5834%5,646
Tier 1 risk-based capital ratio12.6100%5,555
Total risk-based capital ratio13.8226%5,543
Memoranda:
Average total assets$255,559,5002,501
Average earning assets$234,390,2502,485
Average equity$22,379,0002,958
Average total loans$184,630,7502,174
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1767%1,323
Cost of funding earning assets1.1440%1,056
Net interest margin4.0327%2,373
Noninterest income to average assets0.4875%4,007
Noninterest expense to average assets3.1666%2,707
Loan and lease loss provision to assets0.3211%2,057
Net operating income to assets0.5045%4,805
Return on assets (ROA)0.5989%4,629
Pretax return on assets0.8305%4,355
Return on Equity (ROE)6.8648%3,850
Retained earnings to average equity (ytd only)4.4356%3,650
Net charge-offs to loans0.3740%2,523
Credit loss provision to net charge-offs118.8953%2,317
Earnings coverage of net charge-offs (x)3.7791%3,271
Efficiency ratio75.6280%2,802
Assets per employee ($millions)3.3675%5,281
Cash dividends to net income (ytd only)*35.3866%2,381
Condition Ratios (%)
Loss allowance to loans1.0447%5,986
Loan loss allowance to noncurrent loans85.2097%3,611
Noncurrent assets plus other real estate owned to assets1.2664%3,893
Noncurrent loans to loans1.2261%4,093
Net loans and leases to total assets71.4290%1,652
Net loans and leases to deposits85.5125%1,657
Net loans and leases to core deposits95.0323%1,505
Total domestic deposits to total assets83.5305%4,517
Equity capital to assets8.8146%5,898
Core capital (leverage) ratio8.4121%5,770
Tier 1 risk-based capital ratio12.5283%5,546
Total risk-based capital ratio13.6359%5,641
Memoranda:
Average total assets$254,788,3302,501
Average earning assets$233,737,6702,485
Average equity$22,229,3302,957
Average total loans$183,963,0002,174
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1768%1,364
Cost of funding earning assets1.1725%1,095
Net interest margin4.0043%2,487
Noninterest income to average assets0.4752%4,107
Noninterest expense to average assets3.1784%2,672
Loan and lease loss provision to assets0.3131%2,003
Net operating income to assets0.4679%4,969
Return on assets (ROA)0.5963%4,572
Pretax return on assets0.8402%4,264
Return on Equity (ROE)6.8708%3,850
Retained earnings to average equity (ytd only)3.7889%4,313
Net charge-offs to loans0.1961%2,940
Credit loss provision to net charge-offs221.1111%1,255
Earnings coverage of net charge-offs (x)6.8667%2,144
Efficiency ratio76.5732%2,702
Assets per employee ($millions)3.4369%5,261
Cash dividends to net income (ytd only)*44.8549%1,612
Condition Ratios (%)
Loss allowance to loans1.0621%6,032
Loan loss allowance to noncurrent loans60.5521%4,500
Noncurrent assets plus other real estate owned to assets1.3815%3,804
Noncurrent loans to loans1.7540%3,482
Net loans and leases to total assets71.3369%1,511
Net loans and leases to deposits83.9734%1,668
Net loans and leases to core deposits94.5784%1,406
Total domestic deposits to total assets84.9517%4,068
Equity capital to assets8.5677%6,021
Core capital (leverage) ratio8.4900%5,613
Tier 1 risk-based capital ratio12.3498%5,719
Total risk-based capital ratio13.4811%5,773
Memoranda:
Average total assets$254,219,0002,529
Average earning assets$233,350,5002,509
Average equity$22,064,5002,974
Average total loans$183,576,5002,189
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2668%1,810
Cost of funding earning assets1.3111%1,427
Net interest margin3.9557%3,082
Noninterest income to average assets0.4193%4,457
Noninterest expense to average assets3.1390%3,065
Loan and lease loss provision to assets0.4477%2,365
Net operating income to assets0.3305%5,145
Return on assets (ROA)0.5496%4,420
Pretax return on assets0.7543%4,137
Return on Equity (ROE)6.4064%3,692
Retained earnings to average equity (ytd only)5.1019%2,559
Net charge-offs to loans0.7091%2,386
Credit loss provision to net charge-offs89.0302%4,053
Earnings coverage of net charge-offs (x)1.7933%4,438
Efficiency ratio77.6833%2,633
Assets per employee ($millions)3.3874%5,275
Cash dividends to net income (ytd only)*20.3636%3,516
Condition Ratios (%)
Loss allowance to loans1.0287%6,076
Loan loss allowance to noncurrent loans62.4372%4,378
Noncurrent assets plus other real estate owned to assets1.4038%3,882
Noncurrent loans to loans1.6476%3,688
Net loans and leases to total assets71.5803%1,719
Net loans and leases to deposits84.9047%1,815
Net loans and leases to core deposits95.7838%1,515
Total domestic deposits to total assets84.3067%4,181
Equity capital to assets8.7941%5,802
Core capital (leverage) ratio8.4454%5,646
Tier 1 risk-based capital ratio12.5456%5,411
Total risk-based capital ratio13.6421%5,518
Memoranda:
Average total assets$250,178,0002,521
Average earning assets$229,037,2002,516
Average equity$21,462,8002,955
Average total loans$177,405,4002,288
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2550%2,007
Cost of funding earning assets1.3365%1,522
Net interest margin3.9185%3,289
Noninterest income to average assets0.4218%4,504
Noninterest expense to average assets3.1555%2,975
Loan and lease loss provision to assets0.3994%2,460
Net operating income to assets0.3309%5,291
Return on assets (ROA)0.5183%4,649
Pretax return on assets0.7033%4,470
Return on Equity (ROE)6.0794%3,987
Retained earnings to average equity (ytd only)4.9535%3,205
Net charge-offs to loans0.7950%1,971
Credit loss provision to net charge-offs71.1977%4,440
Earnings coverage of net charge-offs (x)1.5143%4,500
Efficiency ratio78.7911%2,432
Assets per employee ($millions)3.4293%5,168
Cash dividends to net income (ytd only)*18.5182%2,996
Condition Ratios (%)
Loss allowance to loans0.9615%6,416
Loan loss allowance to noncurrent loans72.8988%3,847
Noncurrent assets plus other real estate owned to assets1.4113%4,014
Noncurrent loans to loans1.3190%4,335
Net loans and leases to total assets69.9450%2,090
Net loans and leases to deposits82.7930%2,208
Net loans and leases to core deposits93.6163%1,825
Total domestic deposits to total assets84.4818%4,021
Equity capital to assets8.7961%5,985
Core capital (leverage) ratio8.4023%5,850
Tier 1 risk-based capital ratio12.7614%5,281
Total risk-based capital ratio13.7926%5,445
Memoranda:
Average total assets$250,055,5002,531
Average earning assets$228,653,5002,532
Average equity$21,317,5002,969
Average total loans$176,433,2502,311
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2772%1,966
Cost of funding earning assets1.3622%1,591
Net interest margin3.9149%3,239
Noninterest income to average assets0.4657%4,148
Noninterest expense to average assets3.2285%2,809
Loan and lease loss provision to assets0.3184%2,880
Net operating income to assets0.3716%5,076
Return on assets (ROA)0.5297%4,521
Pretax return on assets0.7001%4,387
Return on Equity (ROE)6.2798%3,806
Retained earnings to average equity (ytd only)5.1415%2,916
Net charge-offs to loans0.6681%2,165
Credit loss provision to net charge-offs67.5722%4,129
Earnings coverage of net charge-offs (x)1.7199%4,011
Efficiency ratio79.9326%2,396
Assets per employee ($millions)3.1676%5,704
Cash dividends to net income (ytd only)*18.1269%2,929
Condition Ratios (%)
Loss allowance to loans1.0349%6,204
Loan loss allowance to noncurrent loans93.4502%3,073
Noncurrent assets plus other real estate owned to assets1.4109%4,102
Noncurrent loans to loans1.1075%4,816
Net loans and leases to total assets70.1303%2,195
Net loans and leases to deposits83.1209%2,253
Net loans and leases to core deposits94.4586%1,852
Total domestic deposits to total assets84.3714%4,182
Equity capital to assets8.7314%5,898
Core capital (leverage) ratio8.2298%5,979
Tier 1 risk-based capital ratio12.7409%5,143
Total risk-based capital ratio13.8515%5,225
Memoranda:
Average total assets$249,961,3302,549
Average earning assets$228,152,3302,551
Average equity$21,083,3302,989
Average total loans$176,311,3302,332
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2834%1,922
Cost of funding earning assets1.3823%1,702
Net interest margin3.9011%3,132
Noninterest income to average assets0.5219%3,711
Noninterest expense to average assets3.1169%3,189
Loan and lease loss provision to assets0.2307%3,344
Net operating income to assets0.5835%4,121
Return on assets (ROA)0.5998%4,096
Pretax return on assets0.7558%4,075
Return on Equity (ROE)7.2366%3,278
Retained earnings to average equity (ytd only)6.0849%2,592
Net charge-offs to loans0.6489%1,905
Credit loss provision to net charge-offs50.5226%3,737
Earnings coverage of net charge-offs (x)2.1150%3,241
Efficiency ratio76.3445%3,102
Assets per employee ($millions)3.3407%5,390
Cash dividends to net income (ytd only)*15.9151%2,278
Condition Ratios (%)
Loss allowance to loans1.0848%6,106
Loan loss allowance to noncurrent loans77.2841%3,631
Noncurrent assets plus other real estate owned to assets1.4841%4,030
Noncurrent loans to loans1.4037%4,370
Net loans and leases to total assets66.8339%2,803
Net loans and leases to deposits79.3374%2,837
Net loans and leases to core deposits89.9461%2,354
Total domestic deposits to total assets84.2401%4,395
Equity capital to assets8.2854%6,179
Core capital (leverage) ratio8.1809%5,995
Tier 1 risk-based capital ratio12.5509%5,221
Total risk-based capital ratio13.6868%5,301
Memoranda:
Average total assets$251,405,5002,560
Average earning assets$229,472,5002,550
Average equity$20,838,5003,004
Average total loans$176,924,5002,348
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6696%1,680
Cost of funding earning assets1.6948%1,627
Net interest margin3.9749%3,125
Noninterest income to average assets0.4767%4,337
Noninterest expense to average assets3.1442%3,300
Loan and lease loss provision to assets0.3381%4,121
Net operating income to assets0.4653%4,245
Return on assets (ROA)0.5605%4,003
Pretax return on assets0.7623%3,752
Return on Equity (ROE)6.9468%3,149
Retained earnings to average equity (ytd only)4.9037%2,474
Net charge-offs to loans0.5235%3,529
Credit loss provision to net charge-offs88.3697%5,194
Earnings coverage of net charge-offs (x)2.5400%3,843
Efficiency ratio76.3922%2,993
Assets per employee ($millions)3.2327%5,586
Cash dividends to net income (ytd only)*29.4118%3,071
Condition Ratios (%)
Loss allowance to loans1.0987%5,953
Loan loss allowance to noncurrent loans66.3465%4,076
Noncurrent assets plus other real estate owned to assets1.5318%4,019
Noncurrent loans to loans1.6560%4,021
Net loans and leases to total assets72.4328%2,003
Net loans and leases to deposits85.8689%2,128
Net loans and leases to core deposits97.6923%1,824
Total domestic deposits to total assets84.3527%4,198
Equity capital to assets8.2923%6,156
Core capital (leverage) ratio7.9008%6,317
Tier 1 risk-based capital ratio12.0050%5,467
Total risk-based capital ratio13.1928%5,507
Memoranda:
Average total assets$251,733,6002,531
Average earning assets$230,473,8002,521
Average equity$20,311,4003,105
Average total loans$183,960,8002,310
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6573%1,863
Cost of funding earning assets1.7414%1,666
Net interest margin3.9159%3,462
Noninterest income to average assets0.4616%4,476
Noninterest expense to average assets3.1331%3,179
Loan and lease loss provision to assets0.3148%4,060
Net operating income to assets0.4390%4,593
Return on assets (ROA)0.5234%4,386
Pretax return on assets0.7162%4,181
Return on Equity (ROE)6.5317%3,558
Retained earnings to average equity (ytd only)4.1919%3,535
Net charge-offs to loans0.5771%3,014
Credit loss provision to net charge-offs74.6867%5,295
Earnings coverage of net charge-offs (x)2.1717%4,096
Efficiency ratio77.3907%2,709
Assets per employee ($millions)3.4142%5,171
Cash dividends to net income (ytd only)*35.8223%2,274
Condition Ratios (%)
Loss allowance to loans1.0366%6,232
Loan loss allowance to noncurrent loans75.2853%3,570
Noncurrent assets plus other real estate owned to assets1.4279%4,314
Noncurrent loans to loans1.3768%4,559
Net loans and leases to total assets70.3876%2,641
Net loans and leases to deposits82.2529%3,055
Net loans and leases to core deposits94.1153%2,513
Total domestic deposits to total assets85.5746%3,310
Equity capital to assets8.0084%6,800
Core capital (leverage) ratio7.7473%6,626
Tier 1 risk-based capital ratio11.5826%5,847
Total risk-based capital ratio12.6970%5,961
Memoranda:
Average total assets$252,437,2502,561
Average earning assets$231,225,0002,550
Average equity$20,229,0003,158
Average total loans$184,375,5002,334
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6965%1,779
Cost of funding earning assets1.7674%1,782
Net interest margin3.9291%3,322
Noninterest income to average assets0.4790%4,295
Noninterest expense to average assets3.0837%3,380
Loan and lease loss provision to assets0.3543%3,592
Net operating income to assets0.4676%4,474
Return on assets (ROA)0.5406%4,288
Pretax return on assets0.7357%4,122
Return on Equity (ROE)6.7447%3,424
Retained earnings to average equity (ytd only)3.9012%3,605
Net charge-offs to loans0.5860%2,773
Credit loss provision to net charge-offs82.0370%4,654
Earnings coverage of net charge-offs (x)2.2926%3,857
Efficiency ratio75.6969%3,124
Assets per employee ($millions)3.3970%5,190
Cash dividends to net income (ytd only)*42.1598%1,982
Condition Ratios (%)
Loss allowance to loans1.0882%5,999
Loan loss allowance to noncurrent loans69.7305%3,863
Noncurrent assets plus other real estate owned to assets1.8024%3,753
Noncurrent loans to loans1.5606%4,373
Net loans and leases to total assets71.9925%2,406
Net loans and leases to deposits84.1978%2,840
Net loans and leases to core deposits97.7104%2,262
Total domestic deposits to total assets85.5041%3,370
Equity capital to assets7.9674%6,791
Core capital (leverage) ratio7.8221%6,472
Tier 1 risk-based capital ratio11.5359%5,731
Total risk-based capital ratio12.7213%5,773
Memoranda:
Average total assets$250,090,0002,603
Average earning assets$228,807,0002,593
Average equity$20,045,3303,165
Average total loans$184,316,0002,374
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6795%1,854
Cost of funding earning assets1.7843%1,939
Net interest margin3.8952%3,353
Noninterest income to average assets0.5441%3,691
Noninterest expense to average assets3.1371%3,118
Loan and lease loss provision to assets0.3681%3,160
Net operating income to assets0.4545%4,596
Return on assets (ROA)0.5489%4,276
Pretax return on assets0.7265%4,142
Return on Equity (ROE)6.8278%3,435
Retained earnings to average equity (ytd only)2.3094%4,748
Net charge-offs to loans0.9077%1,763
Credit loss provision to net charge-offs54.6763%4,406
Earnings coverage of net charge-offs (x)1.4412%3,880
Efficiency ratio76.3758%3,155
Assets per employee ($millions)3.4094%5,263
Cash dividends to net income (ytd only)*66.1765%1,116
Condition Ratios (%)
Loss allowance to loans1.0452%6,256
Loan loss allowance to noncurrent loans53.7688%4,742
Noncurrent assets plus other real estate owned to assets1.9567%3,554
Noncurrent loans to loans1.9438%3,866
Net loans and leases to total assets73.2667%2,134
Net loans and leases to deposits86.2788%2,534
Net loans and leases to core deposits98.5926%2,282
Total domestic deposits to total assets84.9185%3,716
Equity capital to assets8.0140%6,639
Core capital (leverage) ratio7.9022%6,383
Tier 1 risk-based capital ratio11.5100%5,662
Total risk-based capital ratio12.6551%5,735
Memoranda:
Average total assets$247,747,5002,678
Average earning assets$226,639,5002,668
Average equity$19,918,5003,211
Average total loans$183,755,5002,439
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0660%1,618
Cost of funding earning assets2.3842%1,351
Net interest margin3.6817%4,209
Noninterest income to average assets0.5488%4,032
Noninterest expense to average assets2.9874%4,197
Loan and lease loss provision to assets0.3559%4,668
Net operating income to assets0.4510%3,922
Return on assets (ROA)0.5464%3,632
Pretax return on assets0.7226%3,499
Return on Equity (ROE)6.9456%2,808
Retained earnings to average equity (ytd only)2.9940%3,071
Net charge-offs to loans0.4810%3,850
Credit loss provision to net charge-offs101.2472%5,450
Earnings coverage of net charge-offs (x)2.7109%3,746
Efficiency ratio75.8167%3,559
Assets per employee ($millions)3.4251%5,195
Cash dividends to net income (ytd only)*56.8928%2,149
Condition Ratios (%)
Loss allowance to loans1.1543%5,623
Loan loss allowance to noncurrent loans112.8602%2,480
Noncurrent assets plus other real estate owned to assets1.1589%4,776
Noncurrent loans to loans1.0227%5,267
Net loans and leases to total assets73.4440%2,394
Net loans and leases to deposits87.3220%2,676
Net loans and leases to core deposits106.4686%3,281
Total domestic deposits to total assets84.1071%3,980
Equity capital to assets8.0659%6,508
Core capital (leverage) ratio7.6784%6,576
Tier 1 risk-based capital ratio11.4099%5,497
Total risk-based capital ratio12.6639%5,454
Memoranda:
Average total assets$250,916,6002,597
Average earning assets$231,142,4002,587
Average equity$19,739,2003,241
Average total loans$183,382,2002,474
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0724%1,753
Cost of funding earning assets2.4867%1,348
Net interest margin3.5857%4,535
Noninterest income to average assets0.5936%3,761
Noninterest expense to average assets2.9730%4,154
Loan and lease loss provision to assets0.2767%4,763
Net operating income to assets0.4897%4,024
Return on assets (ROA)0.5968%3,669
Pretax return on assets0.7979%3,549
Return on Equity (ROE)7.6338%2,803
Retained earnings to average equity (ytd only)4.3177%2,856
Net charge-offs to loans0.5328%3,086
Credit loss provision to net charge-offs71.3506%5,958
Earnings coverage of net charge-offs (x)2.4025%4,030
Efficiency ratio76.1382%3,486
Assets per employee ($millions)3.5538%4,799
Cash dividends to net income (ytd only)*43.4400%2,294
Condition Ratios (%)
Loss allowance to loans1.0249%6,133
Loan loss allowance to noncurrent loans135.7706%2,099
Noncurrent assets plus other real estate owned to assets0.8961%5,286
Noncurrent loans to loans0.7548%5,796
Net loans and leases to total assets72.4915%2,917
Net loans and leases to deposits89.6118%2,649
Net loans and leases to core deposits109.5800%3,283
Total domestic deposits to total assets80.8950%5,124
Equity capital to assets7.9803%6,863
Core capital (leverage) ratio7.4984%6,973
Tier 1 risk-based capital ratio11.0080%5,946
Total risk-based capital ratio12.0887%6,076
Memoranda:
Average total assets$251,994,0002,606
Average earning assets$232,698,2502,588
Average equity$19,701,2503,288
Average total loans$183,419,5002,496
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0846%1,838
Cost of funding earning assets2.5472%1,459
Net interest margin3.5374%4,628
Noninterest income to average assets0.6630%3,246
Noninterest expense to average assets2.9434%4,319
Loan and lease loss provision to assets0.1509%5,563
Net operating income to assets0.6162%3,610
Return on assets (ROA)0.6185%3,714
Pretax return on assets0.8369%3,549
Return on Equity (ROE)7.9667%2,787
Retained earnings to average equity (ytd only)4.4896%2,797
Net charge-offs to loans0.3214%3,572
Credit loss provision to net charge-offs64.6259%5,517
Earnings coverage of net charge-offs (x)4.2177%3,171
Efficiency ratio74.9343%3,889
Assets per employee ($millions)3.2763%5,377
Cash dividends to net income (ytd only)*43.6457%2,274
Condition Ratios (%)
Loss allowance to loans1.0906%5,668
Loan loss allowance to noncurrent loans124.0695%2,385
Noncurrent assets plus other real estate owned to assets1.0132%4,942
Noncurrent loans to loans0.8790%5,456
Net loans and leases to total assets72.8467%2,990
Net loans and leases to deposits87.3263%3,297
Net loans and leases to core deposits107.7068%3,640
Total domestic deposits to total assets83.4189%4,053
Equity capital to assets7.9257%6,837
Core capital (leverage) ratio7.5442%6,967
Tier 1 risk-based capital ratio10.9378%5,942
Total risk-based capital ratio12.0836%5,980
Memoranda:
Average total assets$251,884,6702,612
Average earning assets$232,488,0002,597
Average equity$19,556,3303,315
Average total loans$182,957,3302,534
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0232%2,266
Cost of funding earning assets2.6316%1,479
Net interest margin3.3915%5,172
Noninterest income to average assets0.6395%3,277
Noninterest expense to average assets2.7664%4,711
Loan and lease loss provision to assets0.1484%5,037
Net operating income to assets0.6113%3,968
Return on assets (ROA)0.6158%4,145
Pretax return on assets0.8669%3,840
Return on Equity (ROE)8.0136%3,147
Retained earnings to average equity (ytd only)4.7259%3,283
Net charge-offs to loans0.2014%3,429
Credit loss provision to net charge-offs102.1739%3,669
Earnings coverage of net charge-offs (x)6.9457%2,411
Efficiency ratio73.2748%3,955
Assets per employee ($millions)3.6344%4,496
Cash dividends to net income (ytd only)*41.0256%2,039
Condition Ratios (%)
Loss allowance to loans1.1513%5,110
Loan loss allowance to noncurrent loans193.2110%1,711
Noncurrent assets plus other real estate owned to assets0.8498%5,070
Noncurrent loans to loans0.5959%5,906
Net loans and leases to total assets71.0707%3,450
Net loans and leases to deposits84.3417%3,925
Net loans and leases to core deposits103.0667%4,234
Total domestic deposits to total assets84.2652%3,575
Equity capital to assets7.6903%7,189
Core capital (leverage) ratio7.4864%7,174
Tier 1 risk-based capital ratio10.8285%6,066
Total risk-based capital ratio12.0363%6,012
Memoranda:
Average total assets$253,326,5002,607
Average earning assets$234,229,5002,594
Average equity$19,467,0003,349
Average total loans$182,741,5002,556
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4646%3,140
Cost of funding earning assets3.1695%1,287
Net interest margin3.2951%6,054
Noninterest income to average assets0.7050%3,094
Noninterest expense to average assets2.7189%5,178
Loan and lease loss provision to assets0.2168%4,716
Net operating income to assets0.6778%3,994
Return on assets (ROA)0.7126%3,669
Pretax return on assets0.8517%3,887
Return on Equity (ROE)9.5843%2,407
Retained earnings to average equity (ytd only)6.8130%1,215
Net charge-offs to loans0.2886%3,479
Credit loss provision to net charge-offs103.8168%5,150
Earnings coverage of net charge-offs (x)4.9179%3,813
Efficiency ratio72.5822%3,830
Assets per employee ($millions)3.6035%4,404
Cash dividends to net income (ytd only)*28.9150%4,153
Condition Ratios (%)
Loss allowance to loans1.1525%4,902
Loan loss allowance to noncurrent loans148.9030%2,477
Noncurrent assets plus other real estate owned to assets0.9852%4,368
Noncurrent loans to loans0.7740%5,093
Net loans and leases to total assets71.5429%3,681
Net loans and leases to deposits85.3583%4,203
Net loans and leases to core deposits106.2648%4,164
Total domestic deposits to total assets83.8148%3,422
Equity capital to assets7.6787%7,227
Core capital (leverage) ratio7.5343%7,161
Tier 1 risk-based capital ratio10.8247%5,883
Total risk-based capital ratio12.0458%5,819
Memoranda:
Average total assets$250,909,4002,554
Average earning assets$231,554,0002,539
Average equity$18,655,6003,452
Average total loans$181,566,2002,483