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Union Bank, Performance and Condition Ratios

2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6820%2,405
Cost of funding earning assets0.4267%1,884
Net interest margin3.2553%2,531
Noninterest income to average assets0.9409%1,235
Noninterest expense to average assets2.6636%1,705
Loan and lease loss provision to assets0.0546%2,016
Net operating income to assets1.0763%2,548
Return on assets (ROA)1.0892%2,584
Pretax return on assets1.2976%2,579
Return on Equity (ROE)15.0034%1,209
Retained earnings to average equity (ytd only)6.9748%2,586
Net charge-offs to loans-0.0039%3,304
Credit loss provision to net charge-offs-1,875.0000%3,531
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.1901%2,203
Assets per employee ($millions)5.6584%2,961
Cash dividends to net income (ytd only)*53.5117%1,036
Condition Ratios (%)
Loss allowance to loans1.0014%3,831
Loan loss allowance to noncurrent loans137.2578%2,905
Noncurrent assets plus other real estate owned to assets0.5566%1,701
Noncurrent loans to loans0.7296%1,780
Net loans and leases to total assets75.5192%675
Net loans and leases to deposits82.3987%1,307
Net loans and leases to core deposits84.7746%1,609
Total domestic deposits to total assets91.6509%208
Equity capital to assets7.1755%4,802
Core capital (leverage) ratio7.0143%4,892
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3999%2,527
Memoranda:
Average total assets$1,098,056,000888
Average earning assets$1,032,055,000873
Average equity$79,715,5001,214
Average total loans$822,456,000795
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1485%2,281
Cost of funding earning assets0.5810%2,441
Net interest margin3.5675%2,254
Noninterest income to average assets1.6440%463
Noninterest expense to average assets3.0999%1,232
Loan and lease loss provision to assets0.2305%1,687
Net operating income to assets1.3635%1,099
Return on assets (ROA)1.3853%1,147
Pretax return on assets1.6505%953
Return on Equity (ROE)17.4618%373
Retained earnings to average equity (ytd only)9.0756%753
Net charge-offs to loans0.0069%3,096
Credit loss provision to net charge-offs4,313.7255%242
Earnings coverage of net charge-offs (x)347.1961%311
Efficiency ratio62.1990%3,090
Assets per employee ($millions)5.6618%2,672
Cash dividends to net income (ytd only)*48.0260%1,943
Condition Ratios (%)
Loss allowance to loans1.0297%3,759
Loan loss allowance to noncurrent loans283.1565%1,793
Noncurrent assets plus other real estate owned to assets0.2719%2,940
Noncurrent loans to loans0.3637%2,893
Net loans and leases to total assets72.7487%1,195
Net loans and leases to deposits79.6959%1,898
Net loans and leases to core deposits82.7993%2,135
Total domestic deposits to total assets91.2829%159
Equity capital to assets7.3447%4,870
Core capital (leverage) ratio7.2584%4,893
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.7917%2,315
Memoranda:
Average total assets$954,473,800917
Average earning assets$885,856,600916
Average equity$75,719,6001,210
Average total loans$741,937,400837
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2987%2,099
Cost of funding earning assets0.6228%2,476
Net interest margin3.6759%2,022
Noninterest income to average assets1.5703%482
Noninterest expense to average assets3.1614%1,137
Loan and lease loss provision to assets0.2319%1,752
Net operating income to assets1.3376%1,267
Return on assets (ROA)1.3527%1,325
Pretax return on assets1.5963%1,192
Return on Equity (ROE)16.6838%473
Retained earnings to average equity (ytd only)8.3714%1,183
Net charge-offs to loans0.0057%2,936
Credit loss provision to net charge-offs5,161.2903%222
Earnings coverage of net charge-offs (x)402.9355%285
Efficiency ratio63.2131%2,879
Assets per employee ($millions)5.1446%3,072
Cash dividends to net income (ytd only)*49.8232%1,504
Condition Ratios (%)
Loss allowance to loans0.9634%3,839
Loan loss allowance to noncurrent loans225.2123%2,013
Noncurrent assets plus other real estate owned to assets0.3387%2,784
Noncurrent loans to loans0.4278%2,775
Net loans and leases to total assets78.4091%783
Net loans and leases to deposits86.6258%1,630
Net loans and leases to core deposits90.4349%1,937
Total domestic deposits to total assets90.5148%280
Equity capital to assets7.7323%4,795
Core capital (leverage) ratio7.4445%4,878
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.5965%2,370
Memoranda:
Average total assets$919,912,000937
Average earning assets$851,248,750932
Average equity$74,585,2501,216
Average total loans$726,619,000846
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4093%2,185
Cost of funding earning assets0.6864%2,468
Net interest margin3.7229%2,081
Noninterest income to average assets1.2154%679
Noninterest expense to average assets3.1373%1,271
Loan and lease loss provision to assets0.1797%2,222
Net operating income to assets1.1305%1,878
Return on assets (ROA)1.1399%1,964
Pretax return on assets1.3423%1,894
Return on Equity (ROE)13.8174%917
Retained earnings to average equity (ytd only)5.5134%2,273
Net charge-offs to loans0.0097%2,600
Credit loss provision to net charge-offs2,352.9412%427
Earnings coverage of net charge-offs (x)197.8529%458
Efficiency ratio67.0838%2,366
Assets per employee ($millions)4.7004%3,528
Cash dividends to net income (ytd only)*60.0985%1,238
Condition Ratios (%)
Loss allowance to loans0.9366%3,851
Loan loss allowance to noncurrent loans214.0460%2,041
Noncurrent assets plus other real estate owned to assets0.3511%2,887
Noncurrent loans to loans0.4376%2,850
Net loans and leases to total assets79.4799%657
Net loans and leases to deposits88.4407%1,510
Net loans and leases to core deposits92.8580%1,831
Total domestic deposits to total assets89.8680%440
Equity capital to assets8.2247%4,623
Core capital (leverage) ratio7.3870%4,936
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.3869%2,448
Memoranda:
Average total assets$890,438,000949
Average earning assets$821,083,333951
Average equity$73,458,0001,220
Average total loans$702,719,667853
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4111%2,582
Cost of funding earning assets0.7170%2,860
Net interest margin3.6941%2,346
Noninterest income to average assets1.1959%611
Noninterest expense to average assets3.2087%1,407
Loan and lease loss provision to assets0.1368%2,013
Net operating income to assets1.0908%1,873
Return on assets (ROA)1.0477%2,113
Pretax return on assets1.2228%2,118
Return on Equity (ROE)12.6797%941
Retained earnings to average equity (ytd only)4.6790%2,427
Net charge-offs to loans0.0181%2,009
Credit loss provision to net charge-offs967.7419%591
Earnings coverage of net charge-offs (x)99.7419%580
Efficiency ratio69.0523%2,502
Assets per employee ($millions)4.4794%3,286
Cash dividends to net income (ytd only)*63.0983%1,321
Condition Ratios (%)
Loss allowance to loans0.9208%4,033
Loan loss allowance to noncurrent loans162.5795%2,406
Noncurrent assets plus other real estate owned to assets0.4455%2,686
Noncurrent loans to loans0.5664%2,584
Net loans and leases to total assets77.9259%995
Net loans and leases to deposits93.1385%1,168
Net loans and leases to core deposits98.1999%1,609
Total domestic deposits to total assets83.6666%2,899
Equity capital to assets8.3278%4,886
Core capital (leverage) ratio8.1638%4,933
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio13.1699%2,630
Memoranda:
Average total assets$877,365,500935
Average earning assets$812,862,500930
Average equity$72,494,0001,230
Average total loans$686,386,000848
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7313%2,237
Cost of funding earning assets0.7385%2,980
Net interest margin3.9928%1,876
Noninterest income to average assets1.2501%606
Noninterest expense to average assets3.2770%1,344
Loan and lease loss provision to assets0.0944%2,148
Net operating income to assets1.3304%1,576
Return on assets (ROA)1.3468%1,596
Pretax return on assets1.5834%1,532
Return on Equity (ROE)16.2369%513
Retained earnings to average equity (ytd only)7.5409%1,145
Net charge-offs to loans0.0600%2,244
Credit loss provision to net charge-offs197.7041%1,342
Earnings coverage of net charge-offs (x)34.7500%1,437
Efficiency ratio65.9760%2,771
Assets per employee ($millions)4.3397%3,452
Cash dividends to net income (ytd only)*53.5569%1,852
Condition Ratios (%)
Loss allowance to loans0.9020%3,951
Loan loss allowance to noncurrent loans174.8144%2,326
Noncurrent assets plus other real estate owned to assets0.4015%2,791
Noncurrent loans to loans0.5160%2,635
Net loans and leases to total assets77.1085%1,242
Net loans and leases to deposits90.1150%1,578
Net loans and leases to core deposits94.3063%2,030
Total domestic deposits to total assets85.5667%2,259
Equity capital to assets8.1968%5,012
Core capital (leverage) ratio8.0610%5,020
Tier 1 risk-based capital ratio11.9068%4,416
Total risk-based capital ratio12.9781%4,388
Memoranda:
Average total assets$821,402,200953
Average earning assets$758,142,400952
Average equity$68,134,8001,240
Average total loans$653,873,000846
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7641%2,236
Cost of funding earning assets0.7283%3,077
Net interest margin4.0358%1,812
Noninterest income to average assets1.2069%632
Noninterest expense to average assets3.2894%1,295
Loan and lease loss provision to assets0.0577%2,745
Net operating income to assets1.3415%1,674
Return on assets (ROA)1.3530%1,701
Pretax return on assets1.5937%1,659
Return on Equity (ROE)16.2587%573
Retained earnings to average equity (ytd only)7.4418%1,654
Net charge-offs to loans0.0578%1,999
Credit loss provision to net charge-offs124.5552%1,890
Earnings coverage of net charge-offs (x)35.3521%1,471
Efficiency ratio66.3309%2,683
Assets per employee ($millions)4.1182%3,735
Cash dividends to net income (ytd only)*54.2287%1,493
Condition Ratios (%)
Loss allowance to loans0.8637%4,186
Loan loss allowance to noncurrent loans297.0844%1,529
Noncurrent assets plus other real estate owned to assets0.2316%3,649
Noncurrent loans to loans0.2907%3,494
Net loans and leases to total assets78.9664%995
Net loans and leases to deposits92.5744%1,363
Net loans and leases to core deposits98.3521%1,796
Total domestic deposits to total assets85.3004%2,294
Equity capital to assets8.3214%5,057
Core capital (leverage) ratio8.1698%5,067
Tier 1 risk-based capital ratio11.8723%4,476
Total risk-based capital ratio12.9079%4,497
Memoranda:
Average total assets$808,681,000969
Average earning assets$745,479,750967
Average equity$67,293,5001,255
Average total loans$647,659,000855
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7624%2,181
Cost of funding earning assets0.7060%3,136
Net interest margin4.0564%1,736
Noninterest income to average assets1.1538%642
Noninterest expense to average assets3.2848%1,310
Loan and lease loss provision to assets0.0502%2,815
Net operating income to assets1.3239%1,680
Return on assets (ROA)1.3433%1,670
Pretax return on assets1.5823%1,599
Return on Equity (ROE)16.1430%568
Retained earnings to average equity (ytd only)7.0942%1,762
Net charge-offs to loans0.0823%1,536
Credit loss provision to net charge-offs76.0456%2,262
Earnings coverage of net charge-offs (x)24.3840%1,627
Efficiency ratio66.6769%2,717
Assets per employee ($millions)3.8854%4,019
Cash dividends to net income (ytd only)*56.0538%1,535
Condition Ratios (%)
Loss allowance to loans0.9222%3,998
Loan loss allowance to noncurrent loans361.2985%1,333
Noncurrent assets plus other real estate owned to assets0.2032%3,764
Noncurrent loans to loans0.2553%3,615
Net loans and leases to total assets78.8647%1,063
Net loans and leases to deposits92.9312%1,384
Net loans and leases to core deposits99.3564%1,779
Total domestic deposits to total assets84.8635%2,539
Equity capital to assets8.8417%4,884
Core capital (leverage) ratio8.1051%5,135
Tier 1 risk-based capital ratio11.9658%4,440
Total risk-based capital ratio13.0092%4,439
Memoranda:
Average total assets$796,831,670980
Average earning assets$734,797,000981
Average equity$66,307,3301,269
Average total loans$639,390,330871
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5975%2,537
Cost of funding earning assets0.6484%3,331
Net interest margin3.9490%2,025
Noninterest income to average assets1.0689%698
Noninterest expense to average assets3.1752%1,561
Loan and lease loss provision to assets0.0247%3,106
Net operating income to assets1.3148%1,644
Return on assets (ROA)1.3425%1,588
Pretax return on assets1.5522%1,608
Return on Equity (ROE)16.6302%512
Retained earnings to average equity (ytd only)7.4388%1,873
Net charge-offs to loans0.1333%942
Credit loss provision to net charge-offs23.0415%2,120
Earnings coverage of net charge-offs (x)14.3917%1,797
Efficiency ratio66.8204%2,820
Assets per employee ($millions)4.2109%3,612
Cash dividends to net income (ytd only)*55.2690%1,484
Condition Ratios (%)
Loss allowance to loans0.8489%4,351
Loan loss allowance to noncurrent loans244.9231%1,861
Noncurrent assets plus other real estate owned to assets0.2799%3,485
Noncurrent loans to loans0.3466%3,336
Net loans and leases to total assets80.0839%822
Net loans and leases to deposits92.6331%1,324
Net loans and leases to core deposits98.6769%1,729
Total domestic deposits to total assets86.4527%2,095
Equity capital to assets8.1676%5,136
Core capital (leverage) ratio8.0949%5,183
Tier 1 risk-based capital ratio11.9612%4,479
Total risk-based capital ratio13.0048%4,490
Memoranda:
Average total assets$808,648,000965
Average earning assets$747,629,500962
Average equity$65,279,0001,277
Average total loans$651,357,000855
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6161%2,095
Cost of funding earning assets0.5105%3,288
Net interest margin4.1056%1,664
Noninterest income to average assets1.2214%620
Noninterest expense to average assets3.8428%651
Loan and lease loss provision to assets0.0597%2,971
Net operating income to assets0.9520%3,221
Return on assets (ROA)0.9510%3,224
Pretax return on assets1.1204%3,204
Return on Equity (ROE)11.8907%1,751
Retained earnings to average equity (ytd only)2.5570%4,120
Net charge-offs to loans0.0194%3,050
Credit loss provision to net charge-offs378.1513%855
Earnings coverage of net charge-offs (x)74.7899%899
Efficiency ratio76.0375%1,356
Assets per employee ($millions)4.1261%3,709
Cash dividends to net income (ytd only)*78.4957%757
Condition Ratios (%)
Loss allowance to loans0.8880%4,214
Loan loss allowance to noncurrent loans293.4049%1,668
Noncurrent assets plus other real estate owned to assets0.2431%3,627
Noncurrent loans to loans0.3026%3,468
Net loans and leases to total assets79.6128%994
Net loans and leases to deposits90.4133%1,744
Net loans and leases to core deposits94.1405%2,213
Total domestic deposits to total assets88.0543%1,275
Equity capital to assets7.9767%5,170
Core capital (leverage) ratio8.0030%5,233
Tier 1 risk-based capital ratio11.7466%4,595
Total risk-based capital ratio12.8241%4,582
Memoranda:
Average total assets$753,484,4001,000
Average earning assets$697,879,200991
Average equity$60,265,8001,316
Average total loans$612,603,200875
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5831%2,026
Cost of funding earning assets0.4765%3,353
Net interest margin4.1066%1,605
Noninterest income to average assets1.2282%639
Noninterest expense to average assets3.3598%1,177
Loan and lease loss provision to assets0.0540%2,890
Net operating income to assets1.3493%1,665
Return on assets (ROA)1.3579%1,639
Pretax return on assets1.6253%1,501
Return on Equity (ROE)16.9656%543
Retained earnings to average equity (ytd only)7.4640%1,896
Net charge-offs to loans0.0216%2,706
Credit loss provision to net charge-offs306.1224%1,011
Earnings coverage of net charge-offs (x)94.6147%788
Efficiency ratio66.3529%2,805
Assets per employee ($millions)4.0147%3,863
Cash dividends to net income (ytd only)*56.0047%1,373
Condition Ratios (%)
Loss allowance to loans0.8703%4,369
Loan loss allowance to noncurrent loans394.7924%1,335
Noncurrent assets plus other real estate owned to assets0.1824%4,029
Noncurrent loans to loans0.2204%3,918
Net loans and leases to total assets82.0426%709
Net loans and leases to deposits95.3396%1,230
Net loans and leases to core deposits100.3922%1,753
Total domestic deposits to total assets86.0530%2,163
Equity capital to assets7.7458%5,255
Core capital (leverage) ratio8.3724%5,160
Tier 1 risk-based capital ratio12.5956%4,158
Total risk-based capital ratio13.6952%4,116
Memoranda:
Average total assets$740,707,2501,009
Average earning assets$685,515,0001,006
Average equity$59,287,2501,337
Average total loans$604,179,500882
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6006%1,785
Cost of funding earning assets0.4064%3,675
Net interest margin4.1942%1,302
Noninterest income to average assets1.2047%665
Noninterest expense to average assets3.3572%1,206
Loan and lease loss provision to assets0.0412%3,083
Net operating income to assets1.4092%1,401
Return on assets (ROA)1.4168%1,378
Pretax return on assets1.6945%1,224
Return on Equity (ROE)17.4991%477
Retained earnings to average equity (ytd only)8.1676%1,552
Net charge-offs to loans0.0017%3,148
Credit loss provision to net charge-offs3,000.0000%134
Earnings coverage of net charge-offs (x)1,257.0000%60
Efficiency ratio65.5769%3,045
Assets per employee ($millions)3.7737%4,246
Cash dividends to net income (ytd only)*53.3256%1,549
Condition Ratios (%)
Loss allowance to loans0.9552%4,089
Loan loss allowance to noncurrent loans329.5549%1,528
Noncurrent assets plus other real estate owned to assets0.2350%3,833
Noncurrent loans to loans0.2898%3,663
Net loans and leases to total assets80.3078%972
Net loans and leases to deposits98.9398%889
Net loans and leases to core deposits101.2570%1,631
Total domestic deposits to total assets81.1683%3,949
Equity capital to assets8.3302%5,062
Core capital (leverage) ratio8.6414%5,005
Tier 1 risk-based capital ratio12.8758%3,963
Total risk-based capital ratio14.0059%3,939
Memoranda:
Average total assets$727,994,0001,023
Average earning assets$673,307,6701,030
Average equity$58,940,3301,346
Average total loans$590,707,330906
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4415%2,049
Cost of funding earning assets0.3763%3,765
Net interest margin4.0651%1,523
Noninterest income to average assets1.2226%620
Noninterest expense to average assets3.2955%1,358
Loan and lease loss provision to assets0.0000%3,508
Net operating income to assets1.4139%1,309
Return on assets (ROA)1.4184%1,300
Pretax return on assets1.7085%1,094
Return on Equity (ROE)17.7703%437
Retained earnings to average equity (ytd only)8.2054%1,766
Net charge-offs to loans0.0020%2,662
Credit loss provision to net charge-offs0.0000%2,201
Earnings coverage of net charge-offs (x)1,041.0000%54
Efficiency ratio65.4593%3,255
Assets per employee ($millions)3.7802%4,309
Cash dividends to net income (ytd only)*53.8255%1,425
Condition Ratios (%)
Loss allowance to loans0.9078%4,414
Loan loss allowance to noncurrent loans319.0673%1,576
Noncurrent assets plus other real estate owned to assets0.2346%3,936
Noncurrent loans to loans0.2845%3,751
Net loans and leases to total assets81.7141%696
Net loans and leases to deposits94.1374%1,213
Net loans and leases to core deposits105.8834%1,247
Total domestic deposits to total assets86.8030%2,203
Equity capital to assets8.1290%5,216
Core capital (leverage) ratio8.5558%5,100
Tier 1 risk-based capital ratio12.7753%4,074
Total risk-based capital ratio13.8895%4,056
Memoranda:
Average total assets$733,494,0001,025
Average earning assets$681,306,0001,022
Average equity$58,547,0001,359
Average total loans$595,383,500898
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5084%1,680
Cost of funding earning assets0.3461%3,748
Net interest margin4.1623%1,272
Noninterest income to average assets1.3359%588
Noninterest expense to average assets3.3725%1,247
Loan and lease loss provision to assets0.0287%3,695
Net operating income to assets1.2602%1,327
Return on assets (ROA)1.2626%1,342
Pretax return on assets1.7888%815
Return on Equity (ROE)15.2167%582
Retained earnings to average equity (ytd only)5.6056%1,769
Net charge-offs to loans0.0069%3,827
Credit loss provision to net charge-offs512.8205%602
Earnings coverage of net charge-offs (x)323.7179%266
Efficiency ratio64.5491%3,522
Assets per employee ($millions)3.8400%4,223
Cash dividends to net income (ytd only)*63.1615%1,605
Condition Ratios (%)
Loss allowance to loans0.9083%4,436
Loan loss allowance to noncurrent loans320.9496%1,584
Noncurrent assets plus other real estate owned to assets0.2310%3,984
Noncurrent loans to loans0.2830%3,770
Net loans and leases to total assets79.1929%1,078
Net loans and leases to deposits90.8641%1,668
Net loans and leases to core deposits105.5068%1,294
Total domestic deposits to total assets87.1553%1,916
Equity capital to assets7.8394%5,443
Core capital (leverage) ratio8.4315%5,198
Tier 1 risk-based capital ratio12.5224%4,196
Total risk-based capital ratio13.6362%4,188
Memoranda:
Average total assets$695,927,6001,052
Average earning assets$643,822,0001,042
Average equity$57,745,6001,363
Average total loans$561,158,200921
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4995%1,641
Cost of funding earning assets0.3415%3,755
Net interest margin4.1580%1,260
Noninterest income to average assets1.3628%564
Noninterest expense to average assets3.4018%1,152
Loan and lease loss provision to assets0.0293%3,540
Net operating income to assets1.3050%1,313
Return on assets (ROA)1.3107%1,333
Pretax return on assets1.7862%916
Return on Equity (ROE)15.5624%581
Retained earnings to average equity (ytd only)5.9531%2,268
Net charge-offs to loans0.0333%2,766
Credit loss provision to net charge-offs108.6957%2,155
Earnings coverage of net charge-offs (x)67.1650%926
Efficiency ratio64.8211%3,401
Assets per employee ($millions)3.7081%4,438
Cash dividends to net income (ytd only)*61.7468%1,273
Condition Ratios (%)
Loss allowance to loans0.8985%4,575
Loan loss allowance to noncurrent loans232.9052%1,981
Noncurrent assets plus other real estate owned to assets0.3205%3,781
Noncurrent loans to loans0.3858%3,572
Net loans and leases to total assets82.3330%630
Net loans and leases to deposits95.3069%1,173
Net loans and leases to core deposits105.6119%1,298
Total domestic deposits to total assets86.3873%2,141
Equity capital to assets8.4121%5,336
Core capital (leverage) ratio8.4946%5,253
Tier 1 risk-based capital ratio12.3726%4,397
Total risk-based capital ratio13.4711%4,378
Memoranda:
Average total assets$683,668,0001,073
Average earning assets$632,472,2501,069
Average equity$57,581,7501,377
Average total loans$552,605,750933
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4614%1,621
Cost of funding earning assets0.3324%3,765
Net interest margin4.1290%1,250
Noninterest income to average assets1.3356%595
Noninterest expense to average assets3.4233%1,124
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets1.2680%1,383
Return on assets (ROA)1.2714%1,399
Pretax return on assets1.7310%984
Return on Equity (ROE)15.0894%646
Retained earnings to average equity (ytd only)5.2683%2,537
Net charge-offs to loans0.0292%2,624
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)73.9367%815
Efficiency ratio65.9894%3,353
Assets per employee ($millions)3.4951%4,727
Cash dividends to net income (ytd only)*65.0860%1,306
Condition Ratios (%)
Loss allowance to loans0.9529%4,401
Loan loss allowance to noncurrent loans167.5203%2,564
Noncurrent assets plus other real estate owned to assets0.4646%3,254
Noncurrent loans to loans0.5689%3,026
Net loans and leases to total assets80.8880%823
Net loans and leases to deposits94.7081%1,202
Net loans and leases to core deposits101.5111%1,546
Total domestic deposits to total assets85.4077%2,643
Equity capital to assets8.7542%5,098
Core capital (leverage) ratio8.6162%5,127
Tier 1 risk-based capital ratio12.2356%4,472
Total risk-based capital ratio13.3240%4,460
Memoranda:
Average total assets$676,710,3301,083
Average earning assets$625,096,6701,084
Average equity$57,020,0001,388
Average total loans$541,698,000952
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3388%1,852
Cost of funding earning assets0.3356%3,693
Net interest margin4.0032%1,465
Noninterest income to average assets1.2913%612
Noninterest expense to average assets3.4095%1,182
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets1.1704%1,588
Return on assets (ROA)1.1730%1,619
Pretax return on assets1.5812%1,286
Return on Equity (ROE)14.1898%768
Retained earnings to average equity (ytd only)4.6260%3,102
Net charge-offs to loans0.0406%2,008
Credit loss provision to net charge-offs0.0000%2,277
Earnings coverage of net charge-offs (x)48.9818%910
Efficiency ratio67.8605%3,224
Assets per employee ($millions)3.5934%4,659
Cash dividends to net income (ytd only)*67.3989%1,221
Condition Ratios (%)
Loss allowance to loans0.9597%4,495
Loan loss allowance to noncurrent loans155.4491%2,759
Noncurrent assets plus other real estate owned to assets0.4944%3,253
Noncurrent loans to loans0.6173%2,970
Net loans and leases to total assets79.3170%929
Net loans and leases to deposits91.7115%1,355
Net loans and leases to core deposits101.3307%1,418
Total domestic deposits to total assets86.4854%2,448
Equity capital to assets8.4254%5,291
Core capital (leverage) ratio8.5113%5,220
Tier 1 risk-based capital ratio12.2634%4,534
Total risk-based capital ratio13.3769%4,532
Memoranda:
Average total assets$683,031,0001,073
Average earning assets$630,596,0001,074
Average equity$56,463,0001,390
Average total loans$541,387,000946
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4601%1,653
Cost of funding earning assets0.3382%3,653
Net interest margin4.1220%1,330
Noninterest income to average assets1.5310%515
Noninterest expense to average assets3.6394%962
Loan and lease loss provision to assets0.0230%3,911
Net operating income to assets1.3364%1,126
Return on assets (ROA)1.3451%1,165
Pretax return on assets1.6798%1,054
Return on Equity (ROE)15.9430%513
Retained earnings to average equity (ytd only)6.7772%1,320
Net charge-offs to loans0.0199%3,653
Credit loss provision to net charge-offs144.2308%1,899
Earnings coverage of net charge-offs (x)106.2404%569
Efficiency ratio67.7734%3,283
Assets per employee ($millions)3.6152%4,588
Cash dividends to net income (ytd only)*57.4909%1,904
Condition Ratios (%)
Loss allowance to loans0.9685%4,484
Loan loss allowance to noncurrent loans119.6579%3,259
Noncurrent assets plus other real estate owned to assets0.6350%2,814
Noncurrent loans to loans0.8094%2,497
Net loans and leases to total assets77.6973%1,247
Net loans and leases to deposits89.6583%1,727
Net loans and leases to core deposits102.5029%1,411
Total domestic deposits to total assets86.6593%2,306
Equity capital to assets8.1111%5,511
Core capital (leverage) ratio8.1712%5,519
Tier 1 risk-based capital ratio11.8949%4,799
Total risk-based capital ratio13.0239%4,778
Memoranda:
Average total assets$653,043,4001,090
Average earning assets$602,088,8001,085
Average equity$55,096,2001,394
Average total loans$522,259,400939
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4795%1,607
Cost of funding earning assets0.3334%3,739
Net interest margin4.1461%1,263
Noninterest income to average assets1.5465%513
Noninterest expense to average assets3.6440%928
Loan and lease loss provision to assets0.0311%3,609
Net operating income to assets1.3075%1,269
Return on assets (ROA)1.3188%1,318
Pretax return on assets1.7083%1,091
Return on Equity (ROE)15.4718%617
Retained earnings to average equity (ytd only)6.4808%1,926
Net charge-offs to loans0.0322%3,003
Credit loss provision to net charge-offs120.0000%2,086
Earnings coverage of net charge-offs (x)66.6090%888
Efficiency ratio67.3817%3,340
Assets per employee ($millions)3.4446%4,847
Cash dividends to net income (ytd only)*58.1121%1,501
Condition Ratios (%)
Loss allowance to loans0.9801%4,512
Loan loss allowance to noncurrent loans152.9859%2,747
Noncurrent assets plus other real estate owned to assets0.5086%3,419
Noncurrent loans to loans0.6406%3,099
Net loans and leases to total assets78.6087%1,097
Net loans and leases to deposits91.9945%1,500
Net loans and leases to core deposits99.8867%1,646
Total domestic deposits to total assets85.4493%2,624
Equity capital to assets8.4217%5,574
Core capital (leverage) ratio8.6355%5,226
Tier 1 risk-based capital ratio12.2603%4,634
Total risk-based capital ratio13.4147%4,593
Memoranda:
Average total assets$643,679,7501,104
Average earning assets$593,383,5001,103
Average equity$54,868,5001,409
Average total loans$517,388,000947
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4929%1,533
Cost of funding earning assets0.3486%3,590
Net interest margin4.1443%1,252
Noninterest income to average assets1.4904%533
Noninterest expense to average assets3.6271%968
Loan and lease loss provision to assets0.0473%3,204
Net operating income to assets1.2697%1,356
Return on assets (ROA)1.2741%1,467
Pretax return on assets1.6452%1,232
Return on Equity (ROE)14.8834%690
Retained earnings to average equity (ytd only)5.1232%2,645
Net charge-offs to loans0.0488%2,506
Credit loss provision to net charge-offs120.0000%1,864
Earnings coverage of net charge-offs (x)42.8000%1,109
Efficiency ratio67.7525%3,389
Assets per employee ($millions)3.3445%5,002
Cash dividends to net income (ytd only)*65.5778%1,324
Condition Ratios (%)
Loss allowance to loans1.0251%4,380
Loan loss allowance to noncurrent loans152.7177%2,823
Noncurrent assets plus other real estate owned to assets0.5385%3,420
Noncurrent loans to loans0.6712%3,054
Net loans and leases to total assets79.4059%1,000
Net loans and leases to deposits91.8198%1,536
Net loans and leases to core deposits98.3114%1,781
Total domestic deposits to total assets86.4801%2,181
Equity capital to assets8.7327%5,461
Core capital (leverage) ratio8.4260%5,425
Tier 1 risk-based capital ratio12.1584%4,724
Total risk-based capital ratio13.3311%4,695
Memoranda:
Average total assets$634,342,0001,117
Average earning assets$585,239,6701,118
Average equity$54,302,0001,425
Average total loans$512,105,670956
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4034%1,791
Cost of funding earning assets0.3466%3,633
Net interest margin4.0568%1,456
Noninterest income to average assets1.3733%588
Noninterest expense to average assets3.6132%1,000
Loan and lease loss provision to assets0.0473%2,972
Net operating income to assets1.1474%1,720
Return on assets (ROA)1.1474%1,834
Pretax return on assets1.4655%1,699
Return on Equity (ROE)13.5422%921
Retained earnings to average equity (ytd only)3.8585%3,570
Net charge-offs to loans0.1177%1,416
Credit loss provision to net charge-offs49.6689%2,057
Earnings coverage of net charge-offs (x)15.8742%1,648
Efficiency ratio69.9581%3,138
Assets per employee ($millions)3.4394%4,900
Cash dividends to net income (ytd only)*71.5072%1,157
Condition Ratios (%)
Loss allowance to loans0.9859%4,689
Loan loss allowance to noncurrent loans166.1803%2,559
Noncurrent assets plus other real estate owned to assets0.4821%3,674
Noncurrent loans to loans0.5932%3,413
Net loans and leases to total assets80.4587%754
Net loans and leases to deposits91.8310%1,371
Net loans and leases to core deposits103.1621%1,252
Total domestic deposits to total assets87.6160%1,857
Equity capital to assets8.4744%5,585
Core capital (leverage) ratio8.4832%5,407
Tier 1 risk-based capital ratio11.9388%4,947
Total risk-based capital ratio13.0878%4,927
Memoranda:
Average total assets$633,788,5001,117
Average earning assets$586,280,5001,114
Average equity$53,699,0001,436
Average total loans$513,253,500950
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4073%1,876
Cost of funding earning assets0.3503%3,699
Net interest margin4.0571%1,545
Noninterest income to average assets1.5641%513
Noninterest expense to average assets3.5437%1,223
Loan and lease loss provision to assets0.0890%2,520
Net operating income to assets1.3095%1,246
Return on assets (ROA)1.3162%1,281
Pretax return on assets1.6886%1,028
Return on Equity (ROE)15.5407%606
Retained earnings to average equity (ytd only)5.8015%1,893
Net charge-offs to loans0.0087%4,155
Credit loss provision to net charge-offs1,279.0698%264
Earnings coverage of net charge-offs (x)254.3721%280
Efficiency ratio66.1816%3,877
Assets per employee ($millions)3.3396%5,086
Cash dividends to net income (ytd only)*62.6690%1,610
Condition Ratios (%)
Loss allowance to loans1.0265%4,458
Loan loss allowance to noncurrent loans154.9300%2,736
Noncurrent assets plus other real estate owned to assets0.5347%3,501
Noncurrent loans to loans0.6626%3,203
Net loans and leases to total assets79.8702%864
Net loans and leases to deposits89.2739%1,713
Net loans and leases to core deposits101.5403%1,400
Total domestic deposits to total assets89.4664%873
Equity capital to assets8.4709%5,588
Core capital (leverage) ratio8.4968%5,440
Tier 1 risk-based capital ratio12.1686%4,848
Total risk-based capital ratio13.3651%4,781
Memoranda:
Average total assets$618,310,8001,104
Average earning assets$571,299,2001,091
Average equity$52,365,6001,421
Average total loans$496,748,200945
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4067%1,903
Cost of funding earning assets0.3583%3,665
Net interest margin4.0484%1,567
Noninterest income to average assets1.5791%506
Noninterest expense to average assets3.5298%1,236
Loan and lease loss provision to assets0.0866%2,433
Net operating income to assets1.3259%1,274
Return on assets (ROA)1.3328%1,313
Pretax return on assets1.7095%1,081
Return on Equity (ROE)15.7381%632
Retained earnings to average equity (ytd only)5.7692%2,389
Net charge-offs to loans0.0135%3,702
Credit loss provision to net charge-offs800.0000%441
Earnings coverage of net charge-offs (x)165.1075%429
Efficiency ratio65.8660%3,911
Assets per employee ($millions)3.2251%5,248
Cash dividends to net income (ytd only)*63.3425%1,288
Condition Ratios (%)
Loss allowance to loans0.9975%4,760
Loan loss allowance to noncurrent loans181.1131%2,448
Noncurrent assets plus other real estate owned to assets0.4593%3,959
Noncurrent loans to loans0.5508%3,689
Net loans and leases to total assets80.8457%715
Net loans and leases to deposits91.6930%1,446
Net loans and leases to core deposits100.3890%1,478
Total domestic deposits to total assets88.1700%1,468
Equity capital to assets8.6204%5,630
Core capital (leverage) ratio8.5286%5,530
Tier 1 risk-based capital ratio12.3319%4,866
Total risk-based capital ratio13.5259%4,803
Memoranda:
Average total assets$615,928,5001,113
Average earning assets$568,671,2501,106
Average equity$52,161,0001,435
Average total loans$494,270,750953
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3717%1,942
Cost of funding earning assets0.3778%3,523
Net interest margin3.9939%1,656
Noninterest income to average assets1.5666%523
Noninterest expense to average assets3.4962%1,300
Loan and lease loss provision to assets0.0813%2,481
Net operating income to assets1.3112%1,288
Return on assets (ROA)1.3112%1,343
Pretax return on assets1.6792%1,125
Return on Equity (ROE)15.5772%658
Retained earnings to average equity (ytd only)5.3367%2,649
Net charge-offs to loans0.0106%3,543
Credit loss provision to net charge-offs961.5385%374
Earnings coverage of net charge-offs (x)208.1538%339
Efficiency ratio65.9839%4,010
Assets per employee ($millions)3.2430%5,270
Cash dividends to net income (ytd only)*65.7405%1,339
Condition Ratios (%)
Loss allowance to loans1.0276%4,726
Loan loss allowance to noncurrent loans165.4001%2,614
Noncurrent assets plus other real estate owned to assets0.5242%3,866
Noncurrent loans to loans0.6213%3,606
Net loans and leases to total assets78.9686%943
Net loans and leases to deposits92.0359%1,371
Net loans and leases to core deposits97.6795%1,672
Total domestic deposits to total assets85.8019%2,793
Equity capital to assets8.7060%5,518
Core capital (leverage) ratio8.2683%5,734
Tier 1 risk-based capital ratio12.4105%4,869
Total risk-based capital ratio13.6028%4,807
Memoranda:
Average total assets$614,833,3301,122
Average earning assets$568,068,6701,110
Average equity$51,755,0001,453
Average total loans$490,477,000955
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2480%2,279
Cost of funding earning assets0.3860%3,455
Net interest margin3.8620%2,025
Noninterest income to average assets1.4887%548
Noninterest expense to average assets3.3831%1,519
Loan and lease loss provision to assets0.0643%2,644
Net operating income to assets1.2683%1,364
Return on assets (ROA)1.2683%1,445
Pretax return on assets1.6237%1,210
Return on Equity (ROE)15.3194%664
Retained earnings to average equity (ytd only)4.8373%3,155
Net charge-offs to loans0.0169%2,828
Credit loss provision to net charge-offs476.1905%576
Earnings coverage of net charge-offs (x)125.0476%412
Efficiency ratio66.1681%4,130
Assets per employee ($millions)3.3419%5,177
Cash dividends to net income (ytd only)*68.4237%1,224
Condition Ratios (%)
Loss allowance to loans0.9514%5,244
Loan loss allowance to noncurrent loans106.2319%3,546
Noncurrent assets plus other real estate owned to assets0.7706%3,183
Noncurrent loans to loans0.8956%2,999
Net loans and leases to total assets79.9372%691
Net loans and leases to deposits90.6640%1,326
Net loans and leases to core deposits101.2908%1,237
Total domestic deposits to total assets88.1685%1,722
Equity capital to assets8.3599%5,830
Core capital (leverage) ratio8.2131%5,797
Tier 1 risk-based capital ratio12.2467%5,074
Total risk-based capital ratio13.4059%5,050
Memoranda:
Average total assets$622,273,0001,116
Average earning assets$577,215,5001,097
Average equity$51,516,5001,467
Average total loans$496,368,500946
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5362%1,741
Cost of funding earning assets0.3865%3,837
Net interest margin4.1497%1,433
Noninterest income to average assets1.4322%593
Noninterest expense to average assets3.5675%1,364
Loan and lease loss provision to assets0.0582%3,377
Net operating income to assets1.3035%1,299
Return on assets (ROA)1.3426%1,250
Pretax return on assets1.6981%990
Return on Equity (ROE)15.6268%674
Retained earnings to average equity (ytd only)5.9104%1,977
Net charge-offs to loans0.0625%3,596
Credit loss provision to net charge-offs115.7718%2,062
Earnings coverage of net charge-offs (x)33.9597%1,220
Efficiency ratio67.0930%4,042
Assets per employee ($millions)3.3492%5,172
Cash dividends to net income (ytd only)*62.1781%1,646
Condition Ratios (%)
Loss allowance to loans0.9559%5,269
Loan loss allowance to noncurrent loans102.5115%3,655
Noncurrent assets plus other real estate owned to assets0.7827%3,247
Noncurrent loans to loans0.9324%2,986
Net loans and leases to total assets78.0775%988
Net loans and leases to deposits87.9416%1,742
Net loans and leases to core deposits100.6213%1,349
Total domestic deposits to total assets88.7834%1,367
Equity capital to assets8.1978%5,965
Core capital (leverage) ratio8.0625%5,956
Tier 1 risk-based capital ratio12.3677%5,116
Total risk-based capital ratio13.5494%5,072
Memoranda:
Average total assets$592,943,0001,119
Average earning assets$548,983,6001,099
Average equity$50,944,4001,427
Average total loans$476,454,400929
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5754%1,623
Cost of funding earning assets0.3960%3,832
Net interest margin4.1794%1,351
Noninterest income to average assets1.4594%589
Noninterest expense to average assets3.5724%1,341
Loan and lease loss provision to assets0.0683%2,973
Net operating income to assets1.3174%1,321
Return on assets (ROA)1.3665%1,245
Pretax return on assets1.7488%983
Return on Equity (ROE)15.7125%713
Retained earnings to average equity (ytd only)5.8922%2,471
Net charge-offs to loans0.0533%3,453
Credit loss provision to net charge-offs158.7302%1,516
Earnings coverage of net charge-offs (x)40.7572%1,117
Efficiency ratio66.5184%4,133
Assets per employee ($millions)3.2004%5,430
Cash dividends to net income (ytd only)*62.5001%1,282
Condition Ratios (%)
Loss allowance to loans0.9763%5,312
Loan loss allowance to noncurrent loans123.2323%3,164
Noncurrent assets plus other real estate owned to assets0.6949%3,731
Noncurrent loans to loans0.7922%3,602
Net loans and leases to total assets80.2102%694
Net loans and leases to deposits90.6322%1,367
Net loans and leases to core deposits99.8347%1,381
Total domestic deposits to total assets88.5008%1,495
Equity capital to assets8.6885%5,649
Core capital (leverage) ratio8.1891%5,945
Tier 1 risk-based capital ratio12.4842%5,178
Total risk-based capital ratio13.7152%5,123
Memoranda:
Average total assets$585,441,5001,137
Average earning assets$541,727,5001,122
Average equity$50,913,5001,432
Average total loans$472,798,750943
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5965%1,539
Cost of funding earning assets0.4080%3,792
Net interest margin4.1885%1,277
Noninterest income to average assets1.3689%645
Noninterest expense to average assets3.5291%1,425
Loan and lease loss provision to assets0.0517%3,268
Net operating income to assets1.3034%1,298
Return on assets (ROA)1.3203%1,301
Pretax return on assets1.6816%1,056
Return on Equity (ROE)15.1767%767
Retained earnings to average equity (ytd only)5.0695%2,919
Net charge-offs to loans0.0799%2,892
Credit loss provision to net charge-offs80.2139%2,329
Earnings coverage of net charge-offs (x)26.5508%1,366
Efficiency ratio66.7763%4,231
Assets per employee ($millions)3.1528%5,502
Cash dividends to net income (ytd only)*66.5970%1,278
Condition Ratios (%)
Loss allowance to loans0.9973%5,363
Loan loss allowance to noncurrent loans162.6676%2,541
Noncurrent assets plus other real estate owned to assets0.5317%4,406
Noncurrent loans to loans0.6131%4,186
Net loans and leases to total assets80.1934%667
Net loans and leases to deposits92.9097%1,060
Net loans and leases to core deposits97.8474%1,455
Total domestic deposits to total assets86.3133%2,870
Equity capital to assets9.0212%5,273
Core capital (leverage) ratio8.1257%6,002
Tier 1 risk-based capital ratio12.0804%5,494
Total risk-based capital ratio13.2932%5,452
Memoranda:
Average total assets$580,027,6701,141
Average earning assets$536,235,3301,132
Average equity$50,459,0001,437
Average total loans$467,942,000946
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5219%1,736
Cost of funding earning assets0.4215%3,744
Net interest margin4.1005%1,450
Noninterest income to average assets1.2943%668
Noninterest expense to average assets3.4704%1,548
Loan and lease loss provision to assets0.0513%3,074
Net operating income to assets1.2337%1,391
Return on assets (ROA)1.2567%1,383
Pretax return on assets1.6022%1,167
Return on Equity (ROE)14.7113%819
Retained earnings to average equity (ytd only)4.3005%3,550
Net charge-offs to loans0.0238%3,093
Credit loss provision to net charge-offs267.8571%856
Earnings coverage of net charge-offs (x)84.7857%518
Efficiency ratio67.5440%4,264
Assets per employee ($millions)3.1796%5,556
Cash dividends to net income (ytd only)*70.7676%1,143
Condition Ratios (%)
Loss allowance to loans0.9852%5,583
Loan loss allowance to noncurrent loans266.8562%1,643
Noncurrent assets plus other real estate owned to assets0.3873%4,992
Noncurrent loans to loans0.3692%5,020
Net loans and leases to total assets80.6376%489
Net loans and leases to deposits90.8696%1,051
Net loans and leases to core deposits100.7266%1,054
Total domestic deposits to total assets88.7399%1,809
Equity capital to assets8.6139%5,535
Core capital (leverage) ratio8.0491%6,087
Tier 1 risk-based capital ratio11.7759%5,777
Total risk-based capital ratio12.9972%5,723
Memoranda:
Average total assets$584,709,5001,142
Average earning assets$541,891,0001,129
Average equity$49,948,0001,445
Average total loans$470,790,500945
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6669%1,665
Cost of funding earning assets0.4619%4,001
Net interest margin4.2050%1,337
Noninterest income to average assets1.4827%638
Noninterest expense to average assets3.6766%1,320
Loan and lease loss provision to assets0.0537%4,069
Net operating income to assets1.2941%1,266
Return on assets (ROA)1.2939%1,318
Pretax return on assets1.6414%1,070
Return on Equity (ROE)15.8999%632
Retained earnings to average equity (ytd only)5.7165%2,150
Net charge-offs to loans0.0686%4,250
Credit loss provision to net charge-offs96.8254%2,578
Earnings coverage of net charge-offs (x)30.5873%1,167
Efficiency ratio67.8818%4,216
Assets per employee ($millions)3.1084%5,654
Cash dividends to net income (ytd only)*64.0468%1,585
Condition Ratios (%)
Loss allowance to loans0.9991%5,572
Loan loss allowance to noncurrent loans273.8362%1,606
Noncurrent assets plus other real estate owned to assets0.3861%5,098
Noncurrent loans to loans0.3648%5,094
Net loans and leases to total assets78.7978%734
Net loans and leases to deposits88.6434%1,391
Net loans and leases to core deposits101.2932%1,070
Total domestic deposits to total assets88.8930%1,698
Equity capital to assets8.4707%5,613
Core capital (leverage) ratio7.9595%6,166
Tier 1 risk-based capital ratio11.9928%5,616
Total risk-based capital ratio13.2380%5,561
Memoranda:
Average total assets$568,343,8001,164
Average earning assets$525,657,6001,152
Average equity$46,251,8001,512
Average total loans$459,173,600930
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6724%1,668
Cost of funding earning assets0.4714%4,055
Net interest margin4.2010%1,330
Noninterest income to average assets1.5125%633
Noninterest expense to average assets3.6001%1,399
Loan and lease loss provision to assets0.0543%3,949
Net operating income to assets1.3651%1,188
Return on assets (ROA)1.3649%1,236
Pretax return on assets1.7422%1,012
Return on Equity (ROE)16.9510%544
Retained earnings to average equity (ytd only)6.5052%2,128
Net charge-offs to loans0.0332%4,468
Credit loss provision to net charge-offs201.7544%1,196
Earnings coverage of net charge-offs (x)66.7089%689
Efficiency ratio66.1472%4,452
Assets per employee ($millions)3.0845%5,708
Cash dividends to net income (ytd only)*61.6237%1,387
Condition Ratios (%)
Loss allowance to loans1.0026%5,700
Loan loss allowance to noncurrent loans189.3296%2,090
Noncurrent assets plus other real estate owned to assets0.5236%4,869
Noncurrent loans to loans0.5295%4,870
Net loans and leases to total assets82.1493%358
Net loans and leases to deposits92.6122%933
Net loans and leases to core deposits104.1270%875
Total domestic deposits to total assets88.7024%1,722
Equity capital to assets8.0743%6,101
Core capital (leverage) ratio7.9678%6,242
Tier 1 risk-based capital ratio11.6896%5,953
Total risk-based capital ratio12.9339%5,917
Memoranda:
Average total assets$564,335,2501,183
Average earning assets$521,799,0001,174
Average equity$45,439,5001,552
Average total loans$457,686,000933
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6400%1,728
Cost of funding earning assets0.4800%4,096
Net interest margin4.1600%1,380
Noninterest income to average assets1.5078%686
Noninterest expense to average assets3.6354%1,358
Loan and lease loss provision to assets0.0481%4,015
Net operating income to assets1.3064%1,311
Return on assets (ROA)1.3061%1,394
Pretax return on assets1.6721%1,181
Return on Equity (ROE)16.2367%639
Retained earnings to average equity (ytd only)5.1169%2,975
Net charge-offs to loans0.0177%4,489
Credit loss provision to net charge-offs337.5000%771
Earnings coverage of net charge-offs (x)120.7000%401
Efficiency ratio67.3099%4,310
Assets per employee ($millions)2.9180%5,991
Cash dividends to net income (ytd only)*68.4857%1,249
Condition Ratios (%)
Loss allowance to loans1.0575%5,592
Loan loss allowance to noncurrent loans158.0313%2,422
Noncurrent assets plus other real estate owned to assets0.6691%4,548
Noncurrent loans to loans0.6691%4,600
Net loans and leases to total assets81.4846%392
Net loans and leases to deposits93.4142%850
Net loans and leases to core deposits98.8350%1,154
Total domestic deposits to total assets87.2294%2,697
Equity capital to assets8.3127%5,959
Core capital (leverage) ratio7.9366%6,226
Tier 1 risk-based capital ratio11.8429%5,885
Total risk-based capital ratio13.1116%5,828
Memoranda:
Average total assets$561,205,6701,194
Average earning assets$519,139,6701,189
Average equity$45,144,6701,568
Average total loans$451,553,670942
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5160%2,111
Cost of funding earning assets0.4862%4,220
Net interest margin4.0298%1,681
Noninterest income to average assets1.5037%683
Noninterest expense to average assets3.5868%1,444
Loan and lease loss provision to assets0.0422%3,900
Net operating income to assets1.2560%1,385
Return on assets (ROA)1.2577%1,482
Pretax return on assets1.6057%1,295
Return on Equity (ROE)15.8890%627
Retained earnings to average equity (ytd only)4.6983%3,417
Net charge-offs to loans0.0027%4,118
Credit loss provision to net charge-offs2,000.0000%169
Earnings coverage of net charge-offs (x)780.3333%31
Efficiency ratio67.9699%4,313
Assets per employee ($millions)3.0362%5,918
Cash dividends to net income (ytd only)*70.4304%1,071
Condition Ratios (%)
Loss allowance to loans1.0476%5,802
Loan loss allowance to noncurrent loans202.0574%1,888
Noncurrent assets plus other real estate owned to assets0.5343%5,056
Noncurrent loans to loans0.5185%5,140
Net loans and leases to total assets79.2711%497
Net loans and leases to deposits89.4894%1,006
Net loans and leases to core deposits98.9563%1,009
Total domestic deposits to total assets88.5815%1,947
Equity capital to assets8.0628%6,345
Core capital (leverage) ratio7.8023%6,286
Tier 1 risk-based capital ratio11.8953%5,978
Total risk-based capital ratio13.1623%5,938
Memoranda:
Average total assets$568,978,5001,192
Average earning assets$526,481,0001,171
Average equity$45,037,5001,589
Average total loans$452,640,000942
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8637%1,969
Cost of funding earning assets0.6439%3,972
Net interest margin4.2198%1,604
Noninterest income to average assets1.7765%523
Noninterest expense to average assets4.0970%861
Loan and lease loss provision to assets0.1179%4,150
Net operating income to assets1.1531%1,761
Return on assets (ROA)1.2493%1,610
Pretax return on assets1.5674%1,467
Return on Equity (ROE)16.8196%557
Retained earnings to average equity (ytd only)5.5119%2,376
Net charge-offs to loans0.0515%5,203
Credit loss provision to net charge-offs288.2096%845
Earnings coverage of net charge-offs (x)38.2445%841
Efficiency ratio71.8186%3,452
Assets per employee ($millions)3.1319%5,778
Cash dividends to net income (ytd only)*67.2293%1,480
Condition Ratios (%)
Loss allowance to loans1.0228%5,886
Loan loss allowance to noncurrent loans148.0292%2,402
Noncurrent assets plus other real estate owned to assets0.7285%4,659
Noncurrent loans to loans0.6910%4,812
Net loans and leases to total assets78.2018%649
Net loans and leases to deposits88.2100%1,243
Net loans and leases to core deposits97.4494%1,187
Total domestic deposits to total assets88.6542%1,806
Equity capital to assets7.7720%6,513
Core capital (leverage) ratio7.5550%6,471
Tier 1 risk-based capital ratio11.6519%5,994
Total risk-based capital ratio12.9089%5,950
Memoranda:
Average total assets$559,582,6001,190
Average earning assets$515,265,2001,178
Average equity$41,564,6001,677
Average total loans$444,705,400934
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8940%2,031
Cost of funding earning assets0.6667%4,051
Net interest margin4.2273%1,651
Noninterest income to average assets1.6624%550
Noninterest expense to average assets3.9981%930
Loan and lease loss provision to assets0.1224%4,020
Net operating income to assets1.1460%1,920
Return on assets (ROA)1.1544%2,083
Pretax return on assets1.4430%2,101
Return on Equity (ROE)15.7311%779
Retained earnings to average equity (ytd only)3.9549%4,101
Net charge-offs to loans0.0543%4,893
Credit loss provision to net charge-offs283.3333%957
Earnings coverage of net charge-offs (x)35.9839%953
Efficiency ratio71.4465%3,423
Assets per employee ($millions)3.0314%6,001
Cash dividends to net income (ytd only)*74.8596%778
Condition Ratios (%)
Loss allowance to loans0.9805%6,154
Loan loss allowance to noncurrent loans128.2297%2,615
Noncurrent assets plus other real estate owned to assets0.8597%4,574
Noncurrent loans to loans0.7646%4,883
Net loans and leases to total assets79.0529%596
Net loans and leases to deposits90.8388%1,061
Net loans and leases to core deposits99.6366%1,147
Total domestic deposits to total assets87.0255%2,654
Equity capital to assets7.1890%6,849
Core capital (leverage) ratio7.5566%6,589
Tier 1 risk-based capital ratio10.9695%6,492
Total risk-based capital ratio12.1709%6,489
Memoranda:
Average total assets$555,412,2501,216
Average earning assets$511,166,7501,204
Average equity$40,759,0001,727
Average total loans$442,055,250946
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9376%1,970
Cost of funding earning assets0.6958%4,048
Net interest margin4.2419%1,631
Noninterest income to average assets1.4736%670
Noninterest expense to average assets4.0081%932
Loan and lease loss provision to assets0.1317%3,879
Net operating income to assets1.0052%2,441
Return on assets (ROA)1.0184%2,613
Pretax return on assets1.2475%2,732
Return on Equity (ROE)13.7779%1,174
Retained earnings to average equity (ytd only)1.6486%5,379
Net charge-offs to loans0.0032%5,474
Credit loss provision to net charge-offs5,142.8571%58
Earnings coverage of net charge-offs (x)532.1429%75
Efficiency ratio74.0428%3,068
Assets per employee ($millions)2.8985%6,240
Cash dividends to net income (ytd only)*88.0345%633
Condition Ratios (%)
Loss allowance to loans1.0492%5,967
Loan loss allowance to noncurrent loans84.4990%3,639
Noncurrent assets plus other real estate owned to assets1.3067%3,814
Noncurrent loans to loans1.2417%4,065
Net loans and leases to total assets80.9736%407
Net loans and leases to deposits93.7050%801
Net loans and leases to core deposits99.7065%1,120
Total domestic deposits to total assets86.4133%3,132
Equity capital to assets7.6393%6,743
Core capital (leverage) ratio7.5728%6,584
Tier 1 risk-based capital ratio10.9482%6,525
Total risk-based capital ratio12.1752%6,514
Memoranda:
Average total assets$546,539,0001,240
Average earning assets$502,185,3301,225
Average equity$40,398,0001,728
Average total loans$434,517,330962
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8785%2,327
Cost of funding earning assets0.7079%4,211
Net interest margin4.1705%1,850
Noninterest income to average assets1.3436%790
Noninterest expense to average assets3.9570%986
Loan and lease loss provision to assets0.1302%3,721
Net operating income to assets0.9018%2,903
Return on assets (ROA)0.9271%3,007
Pretax return on assets1.1209%3,240
Return on Equity (ROE)12.7480%1,479
Retained earnings to average equity (ytd only)0.8154%5,731
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.4246%2,725
Assets per employee ($millions)3.3603%5,435
Cash dividends to net income (ytd only)*93.6037%617
Condition Ratios (%)
Loss allowance to loans1.0066%6,221
Loan loss allowance to noncurrent loans66.1065%4,207
Noncurrent assets plus other real estate owned to assets1.4593%3,678
Noncurrent loans to loans1.5226%3,834
Net loans and leases to total assets78.1548%575
Net loans and leases to deposits90.4447%927
Net loans and leases to core deposits99.4640%1,017
Total domestic deposits to total assets86.4117%3,294
Equity capital to assets7.2674%6,859
Core capital (leverage) ratio7.5524%6,599
Tier 1 risk-based capital ratio10.8624%6,594
Total risk-based capital ratio12.0430%6,614
Memoranda:
Average total assets$553,147,5001,230
Average earning assets$508,519,0001,214
Average equity$40,226,0001,726
Average total loans$433,561,500962
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1148%2,392
Cost of funding earning assets0.8379%4,561
Net interest margin4.2769%1,777
Noninterest income to average assets1.3919%663
Noninterest expense to average assets3.8858%1,201
Loan and lease loss provision to assets0.1537%4,699
Net operating income to assets1.0464%2,016
Return on assets (ROA)1.0762%2,039
Pretax return on assets1.3199%2,055
Return on Equity (ROE)13.0868%1,141
Retained earnings to average equity (ytd only)1.8737%4,876
Net charge-offs to loans0.0754%5,564
Credit loss provision to net charge-offs254.9342%947
Earnings coverage of net charge-offs (x)23.8421%1,005
Efficiency ratio72.9985%3,390
Assets per employee ($millions)3.4276%5,185
Cash dividends to net income (ytd only)*85.6827%617
Condition Ratios (%)
Loss allowance to loans0.9842%6,288
Loan loss allowance to noncurrent loans68.1064%4,129
Noncurrent assets plus other real estate owned to assets1.3919%3,909
Noncurrent loans to loans1.4451%4,003
Net loans and leases to total assets77.0437%817
Net loans and leases to deposits89.6426%1,199
Net loans and leases to core deposits99.2998%1,234
Total domestic deposits to total assets85.9454%3,351
Equity capital to assets7.2770%6,883
Core capital (leverage) ratio7.5209%6,637
Tier 1 risk-based capital ratio11.0029%6,455
Total risk-based capital ratio12.1497%6,485
Memoranda:
Average total assets$504,271,8001,327
Average earning assets$463,515,4001,323
Average equity$41,469,2001,619
Average total loans$403,323,4001,058
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1140%2,537
Cost of funding earning assets0.8705%4,632
Net interest margin4.2435%1,937
Noninterest income to average assets1.3372%733
Noninterest expense to average assets3.9511%1,072
Loan and lease loss provision to assets0.1219%4,910
Net operating income to assets0.9477%2,539
Return on assets (ROA)0.9878%2,519
Pretax return on assets1.2183%2,573
Return on Equity (ROE)11.6369%1,636
Retained earnings to average equity (ytd only)0.4721%5,808
Net charge-offs to loans0.0064%6,084
Credit loss provision to net charge-offs2,368.4211%113
Earnings coverage of net charge-offs (x)250.8689%160
Efficiency ratio75.3784%2,948
Assets per employee ($millions)2.9775%6,172
Cash dividends to net income (ytd only)*95.9430%345
Condition Ratios (%)
Loss allowance to loans0.9756%6,371
Loan loss allowance to noncurrent loans69.7667%3,980
Noncurrent assets plus other real estate owned to assets1.2219%4,353
Noncurrent loans to loans1.3984%4,199
Net loans and leases to total assets77.9775%712
Net loans and leases to deposits89.8838%1,224
Net loans and leases to core deposits99.2001%1,316
Total domestic deposits to total assets86.7537%2,792
Equity capital to assets7.7825%6,808
Core capital (leverage) ratio7.6202%6,686
Tier 1 risk-based capital ratio11.0712%6,500
Total risk-based capital ratio12.2308%6,530
Memoranda:
Average total assets$492,377,5001,362
Average earning assets$453,044,2501,352
Average equity$41,797,0001,614
Average total loans$396,806,5001,084
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1537%2,446
Cost of funding earning assets0.8928%4,733
Net interest margin4.2608%1,796
Noninterest income to average assets1.2749%774
Noninterest expense to average assets3.9690%1,096
Loan and lease loss provision to assets0.1263%4,711
Net operating income to assets0.9138%2,576
Return on assets (ROA)0.9173%2,661
Pretax return on assets1.1009%2,846
Return on Equity (ROE)10.4726%1,954
Retained earnings to average equity (ytd only)-0.8270%6,024
Net charge-offs to loans-0.0026%6,536
Credit loss provision to net charge-offs-6,000.0000%6,783
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.4439%2,946
Assets per employee ($millions)2.8168%6,442
Cash dividends to net income (ytd only)*107.8972%383
Condition Ratios (%)
Loss allowance to loans1.0045%6,309
Loan loss allowance to noncurrent loans63.6264%4,242
Noncurrent assets plus other real estate owned to assets1.4124%4,096
Noncurrent loans to loans1.5787%4,031
Net loans and leases to total assets78.0480%776
Net loans and leases to deposits92.0066%1,061
Net loans and leases to core deposits98.0360%1,501
Total domestic deposits to total assets84.8287%3,953
Equity capital to assets8.1257%6,577
Core capital (leverage) ratio8.3453%5,797
Tier 1 risk-based capital ratio11.4332%6,223
Total risk-based capital ratio12.6050%6,272
Memoranda:
Average total assets$474,878,3301,413
Average earning assets$436,581,3301,405
Average equity$41,594,3301,613
Average total loans$386,053,3301,133
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2289%2,116
Cost of funding earning assets0.9052%4,876
Net interest margin4.3237%1,493
Noninterest income to average assets1.2334%835
Noninterest expense to average assets3.9589%1,089
Loan and lease loss provision to assets0.1316%4,353
Net operating income to assets0.9509%2,353
Return on assets (ROA)0.9509%2,419
Pretax return on assets1.1360%2,620
Return on Equity (ROE)10.4324%1,944
Retained earnings to average equity (ytd only)-1.1164%6,009
Net charge-offs to loans-0.0032%6,205
Credit loss provision to net charge-offs-5,000.0000%6,370
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.7469%3,197
Assets per employee ($millions)2.8851%6,383
Cash dividends to net income (ytd only)*110.7011%525
Condition Ratios (%)
Loss allowance to loans1.0508%6,222
Loan loss allowance to noncurrent loans88.1769%3,237
Noncurrent assets plus other real estate owned to assets1.2735%4,409
Noncurrent loans to loans1.1917%4,695
Net loans and leases to total assets80.2210%494
Net loans and leases to deposits95.5804%720
Net loans and leases to core deposits105.8043%951
Total domestic deposits to total assets83.9304%4,515
Equity capital to assets9.0604%5,113
Core capital (leverage) ratio9.6725%3,563
Tier 1 risk-based capital ratio14.1562%3,966
Total risk-based capital ratio15.4066%3,937
Memoranda:
Average total assets$455,987,5001,472
Average earning assets$421,119,5001,457
Average equity$41,563,0001,608
Average total loans$376,989,5001,173
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5972%1,898
Cost of funding earning assets0.9980%5,707
Net interest margin4.5992%1,017
Noninterest income to average assets1.3087%858
Noninterest expense to average assets3.7342%1,620
Loan and lease loss provision to assets0.1173%5,986
Net operating income to assets1.3030%1,163
Return on assets (ROA)1.3198%1,195
Pretax return on assets1.7338%886
Return on Equity (ROE)14.0597%869
Retained earnings to average equity (ytd only)2.5572%4,080
Net charge-offs to loans0.0711%6,091
Credit loss provision to net charge-offs201.5504%1,546
Earnings coverage of net charge-offs (x)31.4225%704
Efficiency ratio67.1236%4,740
Assets per employee ($millions)2.8328%6,469
Cash dividends to net income (ytd only)*81.8120%797
Condition Ratios (%)
Loss allowance to loans0.9828%6,447
Loan loss allowance to noncurrent loans104.3635%2,784
Noncurrent assets plus other real estate owned to assets1.1488%4,712
Noncurrent loans to loans0.9417%5,162
Net loans and leases to total assets83.4688%346
Net loans and leases to deposits100.1907%565
Net loans and leases to core deposits112.3282%797
Total domestic deposits to total assets83.3099%4,677
Equity capital to assets9.1701%4,883
Core capital (leverage) ratio9.7083%3,423
Tier 1 risk-based capital ratio13.9042%3,926
Total risk-based capital ratio15.0983%3,948
Memoranda:
Average total assets$443,256,2001,501
Average earning assets$410,025,6001,482
Average equity$41,608,2001,592
Average total loans$363,049,0001,243
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5997%2,064
Cost of funding earning assets1.0145%5,874
Net interest margin4.5852%1,078
Noninterest income to average assets1.3225%781
Noninterest expense to average assets3.6908%1,584
Loan and lease loss provision to assets0.1149%5,880
Net operating income to assets1.3358%1,270
Return on assets (ROA)1.3358%1,342
Pretax return on assets1.7590%997
Return on Equity (ROE)14.1469%999
Retained earnings to average equity (ytd only)2.7390%4,513
Net charge-offs to loans0.0651%5,864
Credit loss provision to net charge-offs217.1429%1,598
Earnings coverage of net charge-offs (x)35.3996%767
Efficiency ratio66.3242%4,793
Assets per employee ($millions)2.8479%6,488
Cash dividends to net income (ytd only)*80.6386%639
Condition Ratios (%)
Loss allowance to loans1.0096%6,352
Loan loss allowance to noncurrent loans73.0921%3,662
Noncurrent assets plus other real estate owned to assets1.3665%4,440
Noncurrent loans to loans1.3813%4,554
Net loans and leases to total assets80.5579%657
Net loans and leases to deposits95.9059%989
Net loans and leases to core deposits106.1574%1,311
Total domestic deposits to total assets83.9968%4,132
Equity capital to assets9.4218%4,960
Core capital (leverage) ratio9.8352%3,446
Tier 1 risk-based capital ratio14.3322%3,608
Total risk-based capital ratio15.5500%3,594
Memoranda:
Average total assets$440,759,0001,536
Average earning assets$407,797,2501,516
Average equity$41,619,5001,591
Average total loans$358,293,0001,263
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6277%2,031
Cost of funding earning assets1.0279%6,010
Net interest margin4.5998%995
Noninterest income to average assets1.2561%819
Noninterest expense to average assets3.6807%1,591
Loan and lease loss provision to assets0.0823%6,110
Net operating income to assets1.3270%1,244
Return on assets (ROA)1.3270%1,320
Pretax return on assets1.7464%966
Return on Equity (ROE)14.0422%1,032
Retained earnings to average equity (ytd only)2.7997%4,352
Net charge-offs to loans0.0911%5,225
Credit loss provision to net charge-offs111.1111%3,644
Earnings coverage of net charge-offs (x)24.7037%1,058
Efficiency ratio66.8077%4,818
Assets per employee ($millions)2.6689%6,828
Cash dividends to net income (ytd only)*80.0620%765
Condition Ratios (%)
Loss allowance to loans1.0000%6,404
Loan loss allowance to noncurrent loans68.1748%3,933
Noncurrent assets plus other real estate owned to assets1.3995%4,375
Noncurrent loans to loans1.4668%4,510
Net loans and leases to total assets81.4002%615
Net loans and leases to deposits97.8559%887
Net loans and leases to core deposits105.1419%1,522
Total domestic deposits to total assets83.1837%4,488
Equity capital to assets9.8033%4,258
Core capital (leverage) ratio9.8852%3,297
Tier 1 risk-based capital ratio14.6119%3,376
Total risk-based capital ratio15.7992%3,376
Memoranda:
Average total assets$437,689,6701,556
Average earning assets$404,712,6701,529
Average equity$41,361,0001,594
Average total loans$355,663,6701,290
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5210%2,493
Cost of funding earning assets1.0255%6,247
Net interest margin4.4955%1,154
Noninterest income to average assets1.0853%1,079
Noninterest expense to average assets3.6395%1,641
Loan and lease loss provision to assets0.0813%5,827
Net operating income to assets1.1647%1,635
Return on assets (ROA)1.1647%1,711
Pretax return on assets1.5205%1,467
Return on Equity (ROE)12.5515%1,361
Retained earnings to average equity (ytd only)0.6324%5,568
Net charge-offs to loans0.1419%4,086
Credit loss provision to net charge-offs70.8661%4,081
Earnings coverage of net charge-offs (x)13.9685%1,463
Efficiency ratio69.4401%4,421
Assets per employee ($millions)2.8909%6,458
Cash dividends to net income (ytd only)*94.9612%643
Condition Ratios (%)
Loss allowance to loans0.9661%6,619
Loan loss allowance to noncurrent loans96.5903%2,872
Noncurrent assets plus other real estate owned to assets1.1187%4,919
Noncurrent loans to loans1.0002%5,323
Net loans and leases to total assets80.6199%755
Net loans and leases to deposits96.7408%1,021
Net loans and leases to core deposits105.5137%1,618
Total domestic deposits to total assets83.3360%4,461
Equity capital to assets9.3785%4,710
Core capital (leverage) ratio9.8453%3,345
Tier 1 risk-based capital ratio14.1703%3,549
Total risk-based capital ratio15.3180%3,576
Memoranda:
Average total assets$443,024,0001,586
Average earning assets$409,565,0001,551
Average equity$41,110,5001,623
Average total loans$357,942,0001,321
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.7769%2,756
Cost of funding earning assets1.3093%6,275
Net interest margin4.4676%1,247
Noninterest income to average assets1.1656%1,132
Noninterest expense to average assets3.6647%1,993
Loan and lease loss provision to assets0.0920%6,680
Net operating income to assets1.2051%1,233
Return on assets (ROA)1.2514%1,187
Pretax return on assets1.6039%955
Return on Equity (ROE)13.7286%831
Retained earnings to average equity (ytd only)1.0520%4,305
Net charge-offs to loans0.1304%5,893
Credit loss provision to net charge-offs86.3931%6,118
Earnings coverage of net charge-offs (x)15.3715%1,313
Efficiency ratio69.1290%4,799
Assets per employee ($millions)2.8815%6,490
Cash dividends to net income (ytd only)*92.3374%794
Condition Ratios (%)
Loss allowance to loans0.9752%6,507
Loan loss allowance to noncurrent loans81.6885%3,389
Noncurrent assets plus other real estate owned to assets1.1558%4,782
Noncurrent loans to loans1.1939%4,949
Net loans and leases to total assets79.4117%1,116
Net loans and leases to deposits95.9728%1,333
Net loans and leases to core deposits114.6550%2,446
Total domestic deposits to total assets82.7440%4,642
Equity capital to assets9.1821%4,868
Core capital (leverage) ratio9.7161%3,425
Tier 1 risk-based capital ratio14.1513%3,403
Total risk-based capital ratio15.3100%3,417
Memoranda:
Average total assets$434,883,6001,592
Average earning assets$402,569,6001,576
Average equity$39,639,8001,692
Average total loans$355,144,0001,358
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8485%2,671
Cost of funding earning assets1.3693%6,339
Net interest margin4.4792%1,245
Noninterest income to average assets1.2328%1,013
Noninterest expense to average assets3.7044%1,809
Loan and lease loss provision to assets0.0756%6,604
Net operating income to assets1.2527%1,336
Return on assets (ROA)1.2705%1,360
Pretax return on assets1.6227%1,131
Return on Equity (ROE)13.9650%939
Retained earnings to average equity (ytd only)0.9873%4,759
Net charge-offs to loans0.0922%5,762
Credit loss provision to net charge-offs100.0000%5,070
Earnings coverage of net charge-offs (x)22.1550%1,171
Efficiency ratio68.8565%4,817
Assets per employee ($millions)2.8595%6,507
Cash dividends to net income (ytd only)*92.9300%691
Condition Ratios (%)
Loss allowance to loans1.0104%6,219
Loan loss allowance to noncurrent loans64.3736%4,111
Noncurrent assets plus other real estate owned to assets1.4611%4,186
Noncurrent loans to loans1.5696%4,284
Net loans and leases to total assets78.6007%1,464
Net loans and leases to deposits94.0123%1,882
Net loans and leases to core deposits114.4512%2,786
Total domestic deposits to total assets83.6069%3,901
Equity capital to assets9.0493%5,416
Core capital (leverage) ratio9.7265%3,610
Tier 1 risk-based capital ratio14.4394%3,308
Total risk-based capital ratio15.6466%3,277
Memoranda:
Average total assets$431,947,5001,616
Average earning assets$399,908,7501,602
Average equity$39,297,2501,732
Average total loans$354,388,0001,377
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9078%2,553
Cost of funding earning assets1.4336%6,369
Net interest margin4.4742%1,229
Noninterest income to average assets1.1803%1,120
Noninterest expense to average assets3.7184%1,798
Loan and lease loss provision to assets0.0794%6,395
Net operating income to assets1.2019%1,469
Return on assets (ROA)1.2181%1,511
Pretax return on assets1.5358%1,362
Return on Equity (ROE)13.3651%1,105
Retained earnings to average equity (ytd only)-0.3434%5,307
Net charge-offs to loans0.0907%5,279
Credit loss provision to net charge-offs105.5901%4,357
Earnings coverage of net charge-offs (x)21.2050%1,274
Efficiency ratio69.9868%4,785
Assets per employee ($millions)2.7364%6,763
Cash dividends to net income (ytd only)*102.5690%686
Condition Ratios (%)
Loss allowance to loans0.9809%6,373
Loan loss allowance to noncurrent loans62.0972%4,344
Noncurrent assets plus other real estate owned to assets1.5521%3,897
Noncurrent loans to loans1.5795%4,127
Net loans and leases to total assets84.8515%525
Net loans and leases to deposits102.8971%1,003
Net loans and leases to core deposits117.5428%2,586
Total domestic deposits to total assets82.4624%4,502
Equity capital to assets9.2572%4,931
Core capital (leverage) ratio9.9782%3,320
Tier 1 risk-based capital ratio13.7638%3,645
Total risk-based capital ratio14.9275%3,635
Memoranda:
Average total assets$428,191,3301,655
Average earning assets$395,512,0001,644
Average equity$39,027,0001,745
Average total loans$355,208,3301,404
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9027%2,783
Cost of funding earning assets1.4931%6,424
Net interest margin4.4096%1,322
Noninterest income to average assets1.1436%1,127
Noninterest expense to average assets3.5666%1,940
Loan and lease loss provision to assets0.0883%5,833
Net operating income to assets1.2048%1,642
Return on assets (ROA)1.2199%1,705
Pretax return on assets1.5778%1,465
Return on Equity (ROE)13.4881%1,274
Retained earnings to average equity (ytd only)-0.3907%5,741
Net charge-offs to loans0.1447%3,806
Credit loss provision to net charge-offs74.8031%4,272
Earnings coverage of net charge-offs (x)13.9449%1,707
Efficiency ratio68.4145%4,890
Assets per employee ($millions)2.6817%6,927
Cash dividends to net income (ytd only)*102.8963%737
Condition Ratios (%)
Loss allowance to loans1.0102%6,109
Loan loss allowance to noncurrent loans51.6867%5,106
Noncurrent assets plus other real estate owned to assets1.8476%3,146
Noncurrent loans to loans1.9544%3,331
Net loans and leases to total assets82.0205%1,019
Net loans and leases to deposits99.2054%1,511
Net loans and leases to core deposits115.4848%2,850
Total domestic deposits to total assets82.6774%4,297
Equity capital to assets9.2254%5,053
Core capital (leverage) ratio9.9693%3,437
Tier 1 risk-based capital ratio14.3364%3,408
Total risk-based capital ratio15.5342%3,364
Memoranda:
Average total assets$430,213,5001,653
Average earning assets$397,039,5001,641
Average equity$38,908,5001,744
Average total loans$351,082,5001,440
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6178%2,398
Cost of funding earning assets1.9172%6,681
Net interest margin4.7006%972
Noninterest income to average assets1.1355%1,210
Noninterest expense to average assets3.7993%1,757
Loan and lease loss provision to assets0.0822%6,360
Net operating income to assets1.2940%1,496
Return on assets (ROA)1.2972%1,444
Pretax return on assets1.5751%1,463
Return on Equity (ROE)12.8907%1,360
Retained earnings to average equity (ytd only)-0.4025%5,405
Net charge-offs to loans0.0476%6,107
Credit loss provision to net charge-offs213.3758%2,262
Earnings coverage of net charge-offs (x)42.9045%861
Efficiency ratio69.6781%4,408
Assets per employee ($millions)2.7635%6,650
Cash dividends to net income (ytd only)*103.1220%908
Condition Ratios (%)
Loss allowance to loans1.0065%5,977
Loan loss allowance to noncurrent loans48.7390%5,568
Noncurrent assets plus other real estate owned to assets1.8928%2,598
Noncurrent loans to loans2.0650%2,672
Net loans and leases to total assets79.5987%1,751
Net loans and leases to deposits95.8588%2,469
Net loans and leases to core deposits113.3564%3,411
Total domestic deposits to total assets83.0375%3,758
Equity capital to assets8.8702%5,537
Core capital (leverage) ratio9.9478%3,498
Tier 1 risk-based capital ratio14.1271%3,486
Total risk-based capital ratio15.3163%3,436
Memoranda:
Average total assets$407,414,8001,667
Average earning assets$374,189,4001,660
Average equity$40,998,4001,630
Average total loans$330,164,0001,470