Home > Watertown Savings Bank > Performance and Condition Ratios

Watertown Savings Bank, Performance and Condition Ratios

2023-12-31Rank
Percentage of unprofitable institutions0.0000%46
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1074%4,499
Cost of funding earning assets0.8042%3,716
Net interest margin2.3032%4,259
Noninterest income to average assets0.2500%3,442
Noninterest expense to average assets1.8176%3,977
Loan and lease loss provision to assets0.0000%3,179
Net operating income to assets0.4551%3,757
Return on assets (ROA)0.4551%3,756
Pretax return on assets0.5944%3,638
Return on Equity (ROE)5.1500%3,696
Retained earnings to average equity (ytd only)5.1452%2,562
Net charge-offs to loans0.0018%2,755
Credit loss provision to net charge-offs0.0000%2,397
Earnings coverage of net charge-offs (x)770.2727%186
Efficiency ratio75.3570%1,314
Assets per employee ($millions)13.9311%264
Cash dividends to net income (ytd only)*0.0000%3,404
Condition Ratios (%)
Loss allowance to loans0.3128%4,421
Loan loss allowance to noncurrent loans565.9824%1,337
Noncurrent assets plus other real estate owned to assets0.0240%3,545
Noncurrent loans to loans0.0553%3,327
Net loans and leases to total assets43.2800%3,928
Net loans and leases to deposits48.6676%3,975
Net loans and leases to core deposits54.7793%3,951
Total domestic deposits to total assets88.9400%1,084
Equity capital to assets9.8140%2,113
Core capital (leverage) ratio10.8137%2,087
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio27.2495%298
Memoranda:
Average total assets$1,425,467,400740
Average earning assets$1,340,536,400726
Average equity$126,098,400785
Average total loans$617,407,6001,072
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0386%4,520
Cost of funding earning assets0.6878%3,791
Net interest margin2.3508%4,274
Noninterest income to average assets0.2400%3,510
Noninterest expense to average assets1.7918%3,998
Loan and lease loss provision to assets0.0000%2,992
Net operating income to assets0.5011%3,765
Return on assets (ROA)0.5011%3,764
Pretax return on assets0.6596%3,624
Return on Equity (ROE)5.8200%3,675
Retained earnings to average equity (ytd only)5.8237%2,683
Net charge-offs to loans0.0009%2,611
Credit loss provision to net charge-offs0.0000%2,098
Earnings coverage of net charge-offs (x)1,764.5000%82
Efficiency ratio73.0919%1,442
Assets per employee ($millions)13.8920%250
Cash dividends to net income (ytd only)*0.0000%3,002
Condition Ratios (%)
Loss allowance to loans0.6762%4,170
Loan loss allowance to noncurrent loans772.9128%1,062
Noncurrent assets plus other real estate owned to assets0.0380%3,417
Noncurrent loans to loans0.0875%3,148
Net loans and leases to total assets43.1800%3,946
Net loans and leases to deposits48.2035%3,996
Net loans and leases to core deposits53.8722%3,936
Total domestic deposits to total assets89.5800%1,043
Equity capital to assets9.1760%2,307
Core capital (leverage) ratio10.6181%2,300
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.7243%328
Memoranda:
Average total assets$1,426,590,500742
Average earning assets$1,343,263,750726
Average equity$122,759,500799
Average total loans$617,512,2501,070
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9478%4,559
Cost of funding earning assets0.5466%3,891
Net interest margin2.4012%4,296
Noninterest income to average assets0.2300%3,559
Noninterest expense to average assets1.9084%3,804
Loan and lease loss provision to assets0.0000%2,857
Net operating income to assets0.4462%3,920
Return on assets (ROA)0.4462%3,927
Pretax return on assets0.5893%3,824
Return on Equity (ROE)5.3000%3,842
Retained earnings to average equity (ytd only)5.3017%2,862
Net charge-offs to loans0.0010%2,394
Credit loss provision to net charge-offs0.0000%1,862
Earnings coverage of net charge-offs (x)1,404.3333%102
Efficiency ratio76.4057%1,139
Assets per employee ($millions)13.3593%274
Cash dividends to net income (ytd only)*0.0000%2,909
Condition Ratios (%)
Loss allowance to loans0.6756%4,221
Loan loss allowance to noncurrent loans1,803.8961%618
Noncurrent assets plus other real estate owned to assets0.0163%3,675
Noncurrent loans to loans0.0375%3,466
Net loans and leases to total assets43.2600%3,913
Net loans and leases to deposits48.1392%3,986
Net loans and leases to core deposits52.7822%3,927
Total domestic deposits to total assets89.8700%960
Equity capital to assets8.6319%2,757
Core capital (leverage) ratio10.3944%2,396
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.7449%323
Memoranda:
Average total assets$1,429,793,000731
Average earning assets$1,349,054,333716
Average equity$120,338,333809
Average total loans$618,000,6671,056
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8244%4,601
Cost of funding earning assets0.3497%4,076
Net interest margin2.4748%4,329
Noninterest income to average assets0.2300%3,568
Noninterest expense to average assets1.9078%3,840
Loan and lease loss provision to assets0.0000%2,553
Net operating income to assets0.4747%3,958
Return on assets (ROA)0.4747%3,911
Pretax return on assets0.6610%3,736
Return on Equity (ROE)5.7100%3,772
Retained earnings to average equity (ytd only)5.7124%2,845
Net charge-offs to loans0.0032%1,892
Credit loss provision to net charge-offs0.0000%1,422
Earnings coverage of net charge-offs (x)474.8000%242
Efficiency ratio74.2684%1,314
Assets per employee ($millions)13.3149%288
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans0.6692%4,282
Loan loss allowance to noncurrent loans364.3920%1,993
Noncurrent assets plus other real estate owned to assets0.0802%2,996
Noncurrent loans to loans0.1837%2,560
Net loans and leases to total assets43.3900%3,892
Net loans and leases to deposits48.2060%3,953
Net loans and leases to core deposits52.3258%3,900
Total domestic deposits to total assets90.0100%1,151
Equity capital to assets8.5419%2,858
Core capital (leverage) ratio10.2712%2,433
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.1518%345
Memoranda:
Average total assets$1,436,644,000742
Average earning assets$1,355,598,500724
Average equity$119,390,000826
Average total loans$618,595,5001,062
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3709%4,541
Cost of funding earning assets0.1652%4,029
Net interest margin2.2056%4,475
Noninterest income to average assets0.2300%3,761
Noninterest expense to average assets1.8590%3,910
Loan and lease loss provision to assets0.0000%2,926
Net operating income to assets0.3573%4,300
Return on assets (ROA)0.3573%4,265
Pretax return on assets0.4599%4,221
Return on Equity (ROE)4.4400%4,094
Retained earnings to average equity (ytd only)4.4382%3,254
Net charge-offs to loans0.0014%2,514
Credit loss provision to net charge-offs0.0000%1,979
Earnings coverage of net charge-offs (x)854.8750%215
Efficiency ratio80.1682%705
Assets per employee ($millions)13.6660%266
Cash dividends to net income (ytd only)*0.0000%3,453
Condition Ratios (%)
Loss allowance to loans0.6782%4,237
Loan loss allowance to noncurrent loans2,316.6667%545
Noncurrent assets plus other real estate owned to assets0.0124%3,758
Noncurrent loans to loans0.0293%3,583
Net loans and leases to total assets42.1600%3,969
Net loans and leases to deposits46.6545%4,025
Net loans and leases to core deposits49.7295%3,984
Total domestic deposits to total assets90.3600%1,218
Equity capital to assets8.0826%3,008
Core capital (leverage) ratio9.7961%2,843
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.5306%351
Memoranda:
Average total assets$1,487,122,200705
Average earning assets$1,407,634,400688
Average equity$119,734,000821
Average total loans$577,810,0001,057
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2495%4,549
Cost of funding earning assets0.1554%3,791
Net interest margin2.0941%4,519
Noninterest income to average assets0.2300%3,794
Noninterest expense to average assets1.7578%4,059
Loan and lease loss provision to assets0.0000%2,752
Net operating income to assets0.3487%4,323
Return on assets (ROA)0.3487%4,273
Pretax return on assets0.4514%4,206
Return on Equity (ROE)4.3300%4,098
Retained earnings to average equity (ytd only)4.3345%3,340
Net charge-offs to loans0.0014%2,261
Credit loss provision to net charge-offs0.0000%1,679
Earnings coverage of net charge-offs (x)844.5000%191
Efficiency ratio79.5685%799
Assets per employee ($millions)13.3954%278
Cash dividends to net income (ytd only)*0.0000%3,071
Condition Ratios (%)
Loss allowance to loans0.6982%4,250
Loan loss allowance to noncurrent loans313.6842%2,125
Noncurrent assets plus other real estate owned to assets0.0894%3,039
Noncurrent loans to loans0.2226%2,501
Net loans and leases to total assets39.9100%4,074
Net loans and leases to deposits43.8714%4,120
Net loans and leases to core deposits46.4613%4,083
Total domestic deposits to total assets90.9600%1,257
Equity capital to assets7.6452%3,128
Core capital (leverage) ratio9.5514%3,019
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio25.9523%347
Memoranda:
Average total assets$1,496,753,500706
Average earning assets$1,417,762,250688
Average equity$120,396,500828
Average total loans$568,549,5001,071
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.1437%4,590
Cost of funding earning assets0.1555%3,507
Net interest margin1.9882%4,564
Noninterest income to average assets0.2216%3,868
Noninterest expense to average assets1.7530%4,049
Loan and lease loss provision to assets0.0000%2,599
Net operating income to assets0.2827%4,319
Return on assets (ROA)0.2827%4,270
Pretax return on assets0.3535%4,223
Return on Equity (ROE)3.4574%4,143
Retained earnings to average equity (ytd only)3.4574%3,290
Net charge-offs to loans0.0007%2,128
Credit loss provision to net charge-offs0.0000%1,663
Earnings coverage of net charge-offs (x)1,325.5000%89
Efficiency ratio83.2205%724
Assets per employee ($millions)13.7515%250
Cash dividends to net income (ytd only)*0.0000%2,927
Condition Ratios (%)
Loss allowance to loans0.7286%4,291
Loan loss allowance to noncurrent loans334.0800%2,026
Noncurrent assets plus other real estate owned to assets0.0834%3,145
Noncurrent loans to loans0.2181%2,629
Net loans and leases to total assets37.9584%4,169
Net loans and leases to deposits41.8606%4,196
Net loans and leases to core deposits44.2291%4,182
Total domestic deposits to total assets90.6782%1,391
Equity capital to assets7.7987%3,269
Core capital (leverage) ratio9.4833%2,943
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.4004%307
Memoranda:
Average total assets$1,500,040,333698
Average earning assets$1,422,124,000683
Average equity$122,636,667815
Average total loans$558,891,3331,076
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.0835%4,589
Cost of funding earning assets0.1565%3,412
Net interest margin1.9270%4,563
Noninterest income to average assets0.2271%3,792
Noninterest expense to average assets1.7732%4,006
Loan and lease loss provision to assets0.0000%2,285
Net operating income to assets0.2420%4,254
Return on assets (ROA)0.2420%4,229
Pretax return on assets0.2820%4,210
Return on Equity (ROE)2.8939%4,113
Retained earnings to average equity (ytd only)2.8939%3,301
Net charge-offs to loans0.0014%1,786
Credit loss provision to net charge-offs0.0000%1,336
Earnings coverage of net charge-offs (x)529.0000%199
Efficiency ratio86.2776%724
Assets per employee ($millions)13.6549%270
Cash dividends to net income (ytd only)*0.0000%2,254
Condition Ratios (%)
Loss allowance to loans0.7571%4,306
Loan loss allowance to noncurrent loans646.4396%1,249
Noncurrent assets plus other real estate owned to assets0.0430%3,607
Noncurrent loans to loans0.1171%3,242
Net loans and leases to total assets36.4429%4,182
Net loans and leases to deposits40.2478%4,236
Net loans and leases to core deposits42.5011%4,218
Total domestic deposits to total assets90.5462%1,271
Equity capital to assets8.0364%3,536
Core capital (leverage) ratio9.4950%2,798
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.7128%307
Memoranda:
Average total assets$1,500,605,500696
Average earning assets$1,423,554,500686
Average equity$125,507,500822
Average total loans$551,767,5001,076
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2488%4,608
Cost of funding earning assets0.2003%3,458
Net interest margin2.0484%4,574
Noninterest income to average assets0.2603%3,817
Noninterest expense to average assets1.8638%4,012
Loan and lease loss provision to assets0.0000%3,064
Net operating income to assets0.2575%4,471
Return on assets (ROA)0.2575%4,489
Pretax return on assets0.3125%4,483
Return on Equity (ROE)2.8468%4,389
Retained earnings to average equity (ytd only)2.8468%3,709
Net charge-offs to loans0.0005%2,683
Credit loss provision to net charge-offs0.0000%2,330
Earnings coverage of net charge-offs (x)1,506.3333%96
Efficiency ratio85.6426%488
Assets per employee ($millions)13.8813%248
Cash dividends to net income (ytd only)*0.0000%3,588
Condition Ratios (%)
Loss allowance to loans0.7569%4,334
Loan loss allowance to noncurrent loans643.7596%1,181
Noncurrent assets plus other real estate owned to assets0.0433%3,698
Noncurrent loans to loans0.1176%3,345
Net loans and leases to total assets36.5398%4,261
Net loans and leases to deposits40.6952%4,321
Net loans and leases to core deposits42.9630%4,302
Total domestic deposits to total assets89.7891%1,067
Equity capital to assets8.6918%3,895
Core capital (leverage) ratio9.5462%2,810
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.9406%311
Memoranda:
Average total assets$1,446,270,200702
Average earning assets$1,352,749,200693
Average equity$130,811,600793
Average total loans$585,456,4001,035
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2697%4,685
Cost of funding earning assets0.2097%3,517
Net interest margin2.0599%4,648
Noninterest income to average assets0.2611%3,837
Noninterest expense to average assets1.8611%4,031
Loan and lease loss provision to assets0.0000%2,963
Net operating income to assets0.2635%4,563
Return on assets (ROA)0.2635%4,587
Pretax return on assets0.3198%4,575
Return on Equity (ROE)2.8837%4,481
Retained earnings to average equity (ytd only)2.8837%3,944
Net charge-offs to loans0.0000%2,463
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.3370%458
Assets per employee ($millions)13.3145%279
Cash dividends to net income (ytd only)*0.0000%3,236
Condition Ratios (%)
Loss allowance to loans0.7241%4,463
Loan loss allowance to noncurrent loans470.3037%1,427
Noncurrent assets plus other real estate owned to assets0.0607%3,711
Noncurrent loans to loans0.1540%3,352
Net loans and leases to total assets39.1375%4,247
Net loans and leases to deposits43.8532%4,317
Net loans and leases to core deposits46.4907%4,305
Total domestic deposits to total assets89.2465%1,151
Equity capital to assets9.0916%3,751
Core capital (leverage) ratio9.6469%2,856
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.6002%354
Memoranda:
Average total assets$1,433,044,000717
Average earning assets$1,335,556,750710
Average equity$130,938,250805
Average total loans$593,827,0001,039
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2705%4,736
Cost of funding earning assets0.2203%3,556
Net interest margin2.0502%4,682
Noninterest income to average assets0.2697%3,788
Noninterest expense to average assets1.8840%4,009
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets0.2344%4,601
Return on assets (ROA)0.2344%4,613
Pretax return on assets0.2947%4,592
Return on Equity (ROE)2.5607%4,542
Retained earnings to average equity (ytd only)2.5607%3,981
Net charge-offs to loans-0.0003%3,027
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.4739%455
Assets per employee ($millions)12.7301%296
Cash dividends to net income (ytd only)*0.0000%3,087
Condition Ratios (%)
Loss allowance to loans0.7133%4,514
Loan loss allowance to noncurrent loans442.0719%1,400
Noncurrent assets plus other real estate owned to assets0.0652%3,783
Noncurrent loans to loans0.1613%3,410
Net loans and leases to total assets40.1140%4,283
Net loans and leases to deposits44.8458%4,358
Net loans and leases to core deposits47.6135%4,343
Total domestic deposits to total assets89.4486%1,057
Equity capital to assets8.9800%3,812
Core capital (leverage) ratio9.6824%2,732
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio26.2390%370
Memoranda:
Average total assets$1,422,525,667719
Average earning assets$1,324,529,333711
Average equity$130,199,000807
Average total loans$599,306,6671,032
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2857%4,763
Cost of funding earning assets0.2311%3,635
Net interest margin2.0546%4,704
Noninterest income to average assets0.2301%4,002
Noninterest expense to average assets1.8867%4,015
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets0.1920%4,640
Return on assets (ROA)0.1920%4,665
Pretax return on assets0.2554%4,638
Return on Equity (ROE)2.0778%4,593
Retained earnings to average equity (ytd only)2.0778%3,991
Net charge-offs to loans-0.0013%3,067
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio88.0785%439
Assets per employee ($millions)12.6890%298
Cash dividends to net income (ytd only)*0.0000%2,433
Condition Ratios (%)
Loss allowance to loans0.6983%4,573
Loan loss allowance to noncurrent loans316.6540%1,677
Noncurrent assets plus other real estate owned to assets0.0921%3,729
Noncurrent loans to loans0.2205%3,312
Net loans and leases to total assets41.4828%4,270
Net loans and leases to deposits46.3077%4,332
Net loans and leases to core deposits49.2865%4,330
Total domestic deposits to total assets89.5809%1,031
Equity capital to assets9.0277%3,651
Core capital (leverage) ratio9.9431%2,592
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.6389%427
Memoranda:
Average total assets$1,408,172,000719
Average earning assets$1,310,422,000710
Average equity$130,138,500800
Average total loans$605,795,5001,016
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6846%4,798
Cost of funding earning assets0.3981%3,595
Net interest margin2.2866%4,726
Noninterest income to average assets0.2484%4,002
Noninterest expense to average assets2.1594%3,787
Loan and lease loss provision to assets0.0532%3,708
Net operating income to assets0.1923%4,582
Return on assets (ROA)0.2001%4,632
Pretax return on assets0.1866%4,661
Return on Equity (ROE)2.0242%4,561
Retained earnings to average equity (ytd only)2.0242%3,813
Net charge-offs to loans0.0025%3,301
Credit loss provision to net charge-offs4,437.5000%238
Earnings coverage of net charge-offs (x)193.4375%479
Efficiency ratio90.2969%369
Assets per employee ($millions)12.0216%318
Cash dividends to net income (ytd only)*0.0000%3,731
Condition Ratios (%)
Loss allowance to loans0.6825%4,610
Loan loss allowance to noncurrent loans204.1504%2,315
Noncurrent assets plus other real estate owned to assets0.1481%3,540
Noncurrent loans to loans0.3343%3,010
Net loans and leases to total assets44.0093%4,247
Net loans and leases to deposits49.3643%4,341
Net loans and leases to core deposits52.8164%4,307
Total domestic deposits to total assets89.1521%919
Equity capital to assets9.4636%3,648
Core capital (leverage) ratio10.0419%2,567
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.6494%403
Memoranda:
Average total assets$1,333,812,000688
Average earning assets$1,250,081,000677
Average equity$131,853,600755
Average total loans$627,555,000942
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7876%4,838
Cost of funding earning assets0.4342%3,617
Net interest margin2.3534%4,753
Noninterest income to average assets0.2423%4,030
Noninterest expense to average assets2.1441%3,837
Loan and lease loss provision to assets0.0717%3,427
Net operating income to assets0.2488%4,523
Return on assets (ROA)0.2593%4,553
Pretax return on assets0.2485%4,606
Return on Equity (ROE)2.5938%4,461
Retained earnings to average equity (ytd only)2.5938%3,688
Net charge-offs to loans0.0036%3,038
Credit loss provision to net charge-offs4,176.4706%267
Earnings coverage of net charge-offs (x)180.5294%519
Efficiency ratio87.3823%442
Assets per employee ($millions)12.1789%311
Cash dividends to net income (ytd only)*0.0000%3,332
Condition Ratios (%)
Loss allowance to loans0.6673%4,628
Loan loss allowance to noncurrent loans225.8239%2,006
Noncurrent assets plus other real estate owned to assets0.1357%3,744
Noncurrent loans to loans0.2955%3,219
Net loans and leases to total assets45.6160%4,334
Net loans and leases to deposits51.3329%4,436
Net loans and leases to core deposits55.2666%4,406
Total domestic deposits to total assets88.8632%831
Equity capital to assets9.6459%3,557
Core capital (leverage) ratio10.1761%2,542
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.7697%419
Memoranda:
Average total assets$1,321,643,500676
Average earning assets$1,241,898,750661
Average equity$132,108,750749
Average total loans$631,293,000933
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9336%4,867
Cost of funding earning assets0.4885%3,601
Net interest margin2.4451%4,769
Noninterest income to average assets0.2438%4,020
Noninterest expense to average assets2.1805%3,852
Loan and lease loss provision to assets0.1017%2,994
Net operating income to assets0.2966%4,432
Return on assets (ROA)0.3125%4,444
Pretax return on assets0.2821%4,557
Return on Equity (ROE)3.0887%4,328
Retained earnings to average equity (ytd only)3.0887%3,345
Net charge-offs to loans-0.0003%3,714
Credit loss provision to net charge-offs-66,500.0000%4,340
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.5642%561
Assets per employee ($millions)11.5157%351
Cash dividends to net income (ytd only)*0.0000%3,182
Condition Ratios (%)
Loss allowance to loans0.6466%4,675
Loan loss allowance to noncurrent loans225.5839%1,955
Noncurrent assets plus other real estate owned to assets0.1355%3,843
Noncurrent loans to loans0.2866%3,351
Net loans and leases to total assets46.9626%4,313
Net loans and leases to deposits52.9196%4,412
Net loans and leases to core deposits57.0447%4,397
Total domestic deposits to total assets88.7432%847
Equity capital to assets9.8694%3,314
Core capital (leverage) ratio10.3206%2,509
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio24.4668%427
Memoranda:
Average total assets$1,307,512,000666
Average earning assets$1,232,354,667650
Average equity$132,287,000743
Average total loans$632,924,000921
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1231%4,901
Cost of funding earning assets0.5738%3,569
Net interest margin2.5492%4,789
Noninterest income to average assets0.2902%3,789
Noninterest expense to average assets2.2496%3,888
Loan and lease loss provision to assets0.1701%1,727
Net operating income to assets0.3873%4,167
Return on assets (ROA)0.3873%4,201
Pretax return on assets0.2702%4,496
Return on Equity (ROE)3.7785%4,015
Retained earnings to average equity (ytd only)3.7785%2,774
Net charge-offs to loans0.0013%2,552
Credit loss provision to net charge-offs27,250.0000%18
Earnings coverage of net charge-offs (x)705.5000%88
Efficiency ratio83.6311%853
Assets per employee ($millions)10.5704%327
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans0.6439%4,698
Loan loss allowance to noncurrent loans327.6423%1,414
Noncurrent assets plus other real estate owned to assets0.0954%4,144
Noncurrent loans to loans0.1965%3,774
Net loans and leases to total assets48.2193%4,325
Net loans and leases to deposits54.6937%4,413
Net loans and leases to core deposits59.9788%4,354
Total domestic deposits to total assets88.1625%1,034
Equity capital to assets10.4372%3,375
Core capital (leverage) ratio10.7021%2,738
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio23.8068%505
Memoranda:
Average total assets$1,281,842,000652
Average earning assets$1,206,633,500637
Average equity$131,375,000744
Average total loans$628,233,500903
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2687%4,977
Cost of funding earning assets0.5449%3,900
Net interest margin2.7238%4,823
Noninterest income to average assets0.3070%3,851
Noninterest expense to average assets2.2824%3,985
Loan and lease loss provision to assets0.0147%3,721
Net operating income to assets0.4342%4,533
Return on assets (ROA)0.4353%4,562
Pretax return on assets0.5630%4,473
Return on Equity (ROE)4.2064%4,412
Retained earnings to average equity (ytd only)4.2064%2,854
Net charge-offs to loans0.0026%3,598
Credit loss provision to net charge-offs1,125.0000%308
Earnings coverage of net charge-offs (x)442.2500%210
Efficiency ratio79.8405%958
Assets per employee ($millions)10.5298%322
Cash dividends to net income (ytd only)*0.0000%3,913
Condition Ratios (%)
Loss allowance to loans0.5530%4,816
Loan loss allowance to noncurrent loans214.4526%1,975
Noncurrent assets plus other real estate owned to assets0.1276%4,007
Noncurrent loans to loans0.2578%3,525
Net loans and leases to total assets49.2207%4,359
Net loans and leases to deposits55.5788%4,471
Net loans and leases to core deposits60.9440%4,398
Total domestic deposits to total assets88.5602%856
Equity capital to assets10.0583%3,864
Core capital (leverage) ratio10.7111%2,751
Tier 1 risk-based capital ratio22.7600%936
Total risk-based capital ratio23.3488%990
Memoranda:
Average total assets$1,227,828,800646
Average earning assets$1,150,263,200631
Average equity$127,067,400722
Average total loans$613,040,400897
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2973%5,066
Cost of funding earning assets0.5298%4,025
Net interest margin2.7675%4,881
Noninterest income to average assets0.3007%3,937
Noninterest expense to average assets2.3004%3,949
Loan and lease loss provision to assets0.0148%3,612
Net operating income to assets0.4378%4,642
Return on assets (ROA)0.4404%4,674
Pretax return on assets0.5789%4,580
Return on Equity (ROE)4.2240%4,547
Retained earnings to average equity (ytd only)4.2240%3,289
Net charge-offs to loans0.0024%3,347
Credit loss provision to net charge-offs1,227.2727%295
Earnings coverage of net charge-offs (x)489.6040%202
Efficiency ratio79.5730%958
Assets per employee ($millions)10.2304%327
Cash dividends to net income (ytd only)*0.0000%3,563
Condition Ratios (%)
Loss allowance to loans0.5556%4,884
Loan loss allowance to noncurrent loans214.7664%1,989
Noncurrent assets plus other real estate owned to assets0.1275%4,087
Noncurrent loans to loans0.2587%3,611
Net loans and leases to total assets49.0296%4,479
Net loans and leases to deposits55.3549%4,578
Net loans and leases to core deposits60.0819%4,534
Total domestic deposits to total assets88.5732%794
Equity capital to assets10.0895%3,929
Core capital (leverage) ratio10.7545%2,887
Tier 1 risk-based capital ratio23.1340%933
Total risk-based capital ratio23.7315%982
Memoranda:
Average total assets$1,216,261,000653
Average earning assets$1,138,360,250633
Average equity$126,796,000718
Average total loans$608,648,500905
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3090%5,122
Cost of funding earning assets0.4918%4,153
Net interest margin2.8172%4,913
Noninterest income to average assets0.3033%3,902
Noninterest expense to average assets2.3533%3,863
Loan and lease loss provision to assets0.0150%3,476
Net operating income to assets0.4300%4,673
Return on assets (ROA)0.4300%4,699
Pretax return on assets0.5681%4,598
Return on Equity (ROE)4.0792%4,562
Retained earnings to average equity (ytd only)4.0792%3,208
Net charge-offs to loans0.0003%3,169
Credit loss provision to net charge-offs9,000.0000%32
Earnings coverage of net charge-offs (x)3,505.0000%7
Efficiency ratio80.1428%953
Assets per employee ($millions)9.9918%334
Cash dividends to net income (ytd only)*0.0000%3,431
Condition Ratios (%)
Loss allowance to loans0.5582%4,941
Loan loss allowance to noncurrent loans198.2568%2,163
Noncurrent assets plus other real estate owned to assets0.1400%4,066
Noncurrent loans to loans0.2816%3,527
Net loans and leases to total assets49.4553%4,497
Net loans and leases to deposits55.9071%4,595
Net loans and leases to core deposits60.1893%4,567
Total domestic deposits to total assets88.4597%890
Equity capital to assets10.5862%3,446
Core capital (leverage) ratio10.9438%2,649
Tier 1 risk-based capital ratio23.5452%891
Total risk-based capital ratio24.1538%930
Memoranda:
Average total assets$1,202,233,330662
Average earning assets$1,123,660,330645
Average equity$126,741,000714
Average total loans$604,728,670908
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3050%5,168
Cost of funding earning assets0.4407%4,330
Net interest margin2.8643%4,922
Noninterest income to average assets0.3180%3,732
Noninterest expense to average assets2.3145%3,979
Loan and lease loss provision to assets0.0151%3,237
Net operating income to assets0.4949%4,534
Return on assets (ROA)0.4949%4,555
Pretax return on assets0.6628%4,391
Return on Equity (ROE)4.7049%4,407
Retained earnings to average equity (ytd only)4.7049%3,038
Net charge-offs to loans0.0013%2,715
Credit loss provision to net charge-offs2,250.0000%194
Earnings coverage of net charge-offs (x)1,007.5000%52
Efficiency ratio77.3443%1,344
Assets per employee ($millions)9.7819%366
Cash dividends to net income (ytd only)*0.0000%2,768
Condition Ratios (%)
Loss allowance to loans0.5582%5,009
Loan loss allowance to noncurrent loans220.2880%2,026
Noncurrent assets plus other real estate owned to assets0.1280%4,157
Noncurrent loans to loans0.2534%3,655
Net loans and leases to total assets50.2441%4,448
Net loans and leases to deposits56.6597%4,565
Net loans and leases to core deposits60.2284%4,556
Total domestic deposits to total assets88.6770%1,008
Equity capital to assets10.6110%3,246
Core capital (leverage) ratio11.0727%2,509
Tier 1 risk-based capital ratio23.6889%865
Total risk-based capital ratio24.2979%912
Memoranda:
Average total assets$1,188,855,500671
Average earning assets$1,110,060,000657
Average equity$125,060,000722
Average total loans$601,487,000918
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1075%5,186
Cost of funding earning assets0.2561%4,774
Net interest margin2.8514%4,969
Noninterest income to average assets0.3188%3,981
Noninterest expense to average assets2.3832%3,931
Loan and lease loss provision to assets0.0175%3,808
Net operating income to assets0.4733%4,720
Return on assets (ROA)0.5552%4,532
Pretax return on assets0.6739%4,479
Return on Equity (ROE)5.4761%4,333
Retained earnings to average equity (ytd only)5.4761%2,496
Net charge-offs to loans0.0066%3,451
Credit loss provision to net charge-offs525.6410%665
Earnings coverage of net charge-offs (x)178.0256%490
Efficiency ratio80.1174%951
Assets per employee ($millions)9.7075%371
Cash dividends to net income (ytd only)*0.0000%4,013
Condition Ratios (%)
Loss allowance to loans0.5538%5,053
Loan loss allowance to noncurrent loans230.9243%2,015
Noncurrent assets plus other real estate owned to assets0.1215%4,216
Noncurrent loans to loans0.2398%3,723
Net loans and leases to total assets50.3813%4,495
Net loans and leases to deposits56.7937%4,629
Net loans and leases to core deposits59.7397%4,641
Total domestic deposits to total assets88.7094%975
Equity capital to assets10.4270%3,257
Core capital (leverage) ratio11.0431%2,487
Tier 1 risk-based capital ratio23.3799%871
Total risk-based capital ratio23.9802%912
Memoranda:
Average total assets$1,173,939,000654
Average earning assets$1,093,436,200647
Average equity$119,027,400726
Average total loans$589,303,600912
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0624%5,264
Cost of funding earning assets0.2259%4,913
Net interest margin2.8366%5,047
Noninterest income to average assets0.3036%4,116
Noninterest expense to average assets2.3982%3,859
Loan and lease loss provision to assets0.0154%3,703
Net operating income to assets0.4514%4,850
Return on assets (ROA)0.5649%4,610
Pretax return on assets0.6654%4,613
Return on Equity (ROE)5.6120%4,382
Retained earnings to average equity (ytd only)5.6120%2,879
Net charge-offs to loans0.0025%3,393
Credit loss provision to net charge-offs1,227.2727%331
Earnings coverage of net charge-offs (x)436.9809%212
Efficiency ratio81.4198%822
Assets per employee ($millions)9.3105%398
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans0.5566%5,114
Loan loss allowance to noncurrent loans229.6011%2,030
Noncurrent assets plus other real estate owned to assets0.1228%4,353
Noncurrent loans to loans0.2424%3,828
Net loans and leases to total assets50.3699%4,567
Net loans and leases to deposits56.6414%4,714
Net loans and leases to core deposits59.0362%4,739
Total domestic deposits to total assets88.9277%869
Equity capital to assets10.2271%3,424
Core capital (leverage) ratio10.8656%2,709
Tier 1 risk-based capital ratio23.4457%899
Total risk-based capital ratio24.0472%934
Memoranda:
Average total assets$1,171,344,250648
Average earning assets$1,090,953,500647
Average equity$117,912,000724
Average total loans$586,630,000917
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0066%5,332
Cost of funding earning assets0.2078%4,993
Net interest margin2.7987%5,120
Noninterest income to average assets0.3031%4,150
Noninterest expense to average assets2.3422%4,040
Loan and lease loss provision to assets0.0153%3,574
Net operating income to assets0.3887%4,979
Return on assets (ROA)0.5466%4,639
Pretax return on assets0.7521%4,383
Return on Equity (ROE)5.4585%4,422
Retained earnings to average equity (ytd only)5.4585%2,844
Net charge-offs to loans0.0031%3,075
Credit loss provision to net charge-offs1,000.0000%401
Earnings coverage of net charge-offs (x)370.1111%247
Efficiency ratio80.4954%961
Assets per employee ($millions)9.5027%376
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans0.5478%5,200
Loan loss allowance to noncurrent loans159.6647%2,664
Noncurrent assets plus other real estate owned to assets0.1779%4,093
Noncurrent loans to loans0.3431%3,467
Net loans and leases to total assets50.2902%4,589
Net loans and leases to deposits57.3000%4,679
Net loans and leases to core deposits59.2717%4,739
Total domestic deposits to total assets87.7665%1,494
Equity capital to assets10.0864%3,549
Core capital (leverage) ratio10.7843%2,716
Tier 1 risk-based capital ratio22.9861%935
Total risk-based capital ratio23.5762%983
Memoranda:
Average total assets$1,173,853,330653
Average earning assets$1,093,274,670647
Average equity$117,541,000728
Average total loans$585,675,000913
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9603%5,392
Cost of funding earning assets0.2006%5,013
Net interest margin2.7597%5,196
Noninterest income to average assets0.3121%4,069
Noninterest expense to average assets2.3360%4,096
Loan and lease loss provision to assets0.0153%3,330
Net operating income to assets0.3610%4,996
Return on assets (ROA)0.6763%4,187
Pretax return on assets0.9327%3,749
Return on Equity (ROE)6.7789%3,869
Retained earnings to average equity (ytd only)6.7789%2,376
Net charge-offs to loans0.0007%2,706
Credit loss provision to net charge-offs4,500.0000%81
Earnings coverage of net charge-offs (x)1,614.0000%31
Efficiency ratio80.9760%1,044
Assets per employee ($millions)9.7856%347
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans0.5450%5,265
Loan loss allowance to noncurrent loans251.6509%1,883
Noncurrent assets plus other real estate owned to assets0.1127%4,532
Noncurrent loans to loans0.2166%4,001
Net loans and leases to total assets49.7435%4,580
Net loans and leases to deposits56.5825%4,669
Net loans and leases to core deposits58.3389%4,737
Total domestic deposits to total assets87.9133%1,670
Equity capital to assets9.9836%3,612
Core capital (leverage) ratio10.6919%2,748
Tier 1 risk-based capital ratio22.7250%965
Total risk-based capital ratio23.3076%1,023
Memoranda:
Average total assets$1,176,362,000656
Average earning assets$1,096,632,000648
Average equity$117,364,500728
Average total loans$582,988,500923
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8634%5,434
Cost of funding earning assets0.1859%5,058
Net interest margin2.6775%5,290
Noninterest income to average assets0.3119%4,227
Noninterest expense to average assets2.3792%4,132
Loan and lease loss provision to assets0.0000%4,227
Net operating income to assets-0.0481%5,394
Return on assets (ROA)0.5872%4,105
Pretax return on assets1.4214%1,923
Return on Equity (ROE)5.8646%3,819
Retained earnings to average equity (ytd only)5.8646%1,617
Net charge-offs to loans0.0097%3,745
Credit loss provision to net charge-offs0.0000%3,708
Earnings coverage of net charge-offs (x)90.6000%693
Efficiency ratio84.7344%714
Assets per employee ($millions)9.6594%359
Cash dividends to net income (ytd only)*0.0000%4,098
Condition Ratios (%)
Loss allowance to loans0.5456%5,329
Loan loss allowance to noncurrent loans171.2968%2,569
Noncurrent assets plus other real estate owned to assets0.1564%4,355
Noncurrent loans to loans0.3185%3,638
Net loans and leases to total assets48.8348%4,714
Net loans and leases to deposits55.6102%4,821
Net loans and leases to core deposits57.3331%4,883
Total domestic deposits to total assets87.8163%1,600
Equity capital to assets9.9753%3,738
Core capital (leverage) ratio10.4781%2,861
Tier 1 risk-based capital ratio22.7513%941
Total risk-based capital ratio23.3360%988
Memoranda:
Average total assets$1,162,537,800643
Average earning assets$1,083,705,800629
Average equity$116,411,200703
Average total loans$565,532,200913
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8508%5,502
Cost of funding earning assets0.1816%5,127
Net interest margin2.6692%5,353
Noninterest income to average assets0.3021%4,368
Noninterest expense to average assets2.3598%4,119
Loan and lease loss provision to assets0.0000%4,088
Net operating income to assets0.2226%5,332
Return on assets (ROA)1.0757%2,250
Pretax return on assets1.7635%973
Return on Equity (ROE)10.7318%1,811
Retained earnings to average equity (ytd only)10.7318%453
Net charge-offs to loans0.0002%3,793
Credit loss provision to net charge-offs0.0000%3,274
Earnings coverage of net charge-offs (x)3,751.2857%16
Efficiency ratio84.5672%714
Assets per employee ($millions)9.4795%370
Cash dividends to net income (ytd only)*0.0000%3,680
Condition Ratios (%)
Loss allowance to loans0.5628%5,388
Loan loss allowance to noncurrent loans406.4557%1,246
Noncurrent assets plus other real estate owned to assets0.0678%4,891
Noncurrent loans to loans0.1385%4,499
Net loans and leases to total assets48.6557%4,787
Net loans and leases to deposits55.5793%4,889
Net loans and leases to core deposits57.3167%4,937
Total domestic deposits to total assets87.5429%1,614
Equity capital to assets10.3281%3,562
Core capital (leverage) ratio10.6691%2,803
Tier 1 risk-based capital ratio23.1616%932
Total risk-based capital ratio23.7598%981
Memoranda:
Average total assets$1,158,560,000647
Average earning assets$1,080,054,750633
Average equity$116,125,500708
Average total loans$562,252,750913
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8262%5,547
Cost of funding earning assets0.1770%5,163
Net interest margin2.6492%5,407
Noninterest income to average assets0.2965%4,419
Noninterest expense to average assets2.3984%4,053
Loan and lease loss provision to assets0.0000%3,871
Net operating income to assets0.1586%5,445
Return on assets (ROA)1.4409%1,003
Pretax return on assets2.3718%267
Return on Equity (ROE)14.5240%734
Retained earnings to average equity (ytd only)14.5240%158
Net charge-offs to loans-0.0004%4,114
Credit loss provision to net charge-offs0.0000%2,905
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio86.6933%635
Assets per employee ($millions)9.5576%344
Cash dividends to net income (ytd only)*0.0000%3,521
Condition Ratios (%)
Loss allowance to loans0.5732%5,420
Loan loss allowance to noncurrent loans149.1643%2,796
Noncurrent assets plus other real estate owned to assets0.1847%4,438
Noncurrent loans to loans0.3843%3,647
Net loans and leases to total assets47.7964%4,837
Net loans and leases to deposits54.5250%4,932
Net loans and leases to core deposits56.2171%4,983
Total domestic deposits to total assets87.6595%1,638
Equity capital to assets10.1104%3,782
Core capital (leverage) ratio10.6734%2,733
Tier 1 risk-based capital ratio23.1326%932
Total risk-based capital ratio23.7354%979
Memoranda:
Average total assets$1,156,085,670648
Average earning assets$1,077,921,670633
Average equity$114,692,670721
Average total loans$559,494,330918
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8188%5,589
Cost of funding earning assets0.1791%5,162
Net interest margin2.6397%5,442
Noninterest income to average assets0.3138%4,304
Noninterest expense to average assets2.5217%3,739
Loan and lease loss provision to assets0.0000%3,537
Net operating income to assets0.0088%5,597
Return on assets (ROA)2.5937%124
Pretax return on assets4.2943%69
Return on Equity (ROE)26.3992%69
Retained earnings to average equity (ytd only)26.3992%42
Net charge-offs to loans0.0000%2,943
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio90.8033%517
Assets per employee ($millions)9.3953%372
Cash dividends to net income (ytd only)*0.0000%2,824
Condition Ratios (%)
Loss allowance to loans0.5725%5,518
Loan loss allowance to noncurrent loans116.7151%3,332
Noncurrent assets plus other real estate owned to assets0.2381%4,274
Noncurrent loans to loans0.4905%3,332
Net loans and leases to total assets48.2705%4,801
Net loans and leases to deposits55.0507%4,876
Net loans and leases to core deposits56.8055%4,935
Total domestic deposits to total assets87.6836%1,895
Equity capital to assets10.0993%3,625
Core capital (leverage) ratio10.6565%2,729
Tier 1 risk-based capital ratio23.1222%960
Total risk-based capital ratio23.7302%1,016
Memoranda:
Average total assets$1,151,117,500651
Average earning assets$1,074,215,500640
Average equity$113,094,500728
Average total loans$558,977,000918
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8290%5,627
Cost of funding earning assets0.1966%5,047
Net interest margin2.6324%5,487
Noninterest income to average assets0.3158%4,473
Noninterest expense to average assets2.3629%4,393
Loan and lease loss provision to assets0.0000%4,332
Net operating income to assets0.2641%5,295
Return on assets (ROA)0.2737%5,347
Pretax return on assets0.4217%5,183
Return on Equity (ROE)2.8069%5,211
Retained earnings to average equity (ytd only)2.8069%3,903
Net charge-offs to loans0.0027%4,172
Credit loss provision to net charge-offs0.0000%3,785
Earnings coverage of net charge-offs (x)307.3333%251
Efficiency ratio85.3091%876
Assets per employee ($millions)9.3985%376
Cash dividends to net income (ytd only)*0.0000%4,198
Condition Ratios (%)
Loss allowance to loans0.5767%5,570
Loan loss allowance to noncurrent loans121.8975%3,224
Noncurrent assets plus other real estate owned to assets0.2298%4,388
Noncurrent loans to loans0.4731%3,454
Net loans and leases to total assets48.2906%4,874
Net loans and leases to deposits54.6443%4,982
Net loans and leases to core deposits56.3370%5,038
Total domestic deposits to total assets88.3726%1,456
Equity capital to assets9.5481%4,220
Core capital (leverage) ratio10.0630%3,411
Tier 1 risk-based capital ratio22.3429%1,036
Total risk-based capital ratio22.9665%1,092
Memoranda:
Average total assets$1,132,939,000634
Average earning assets$1,056,139,200625
Average equity$110,478,200724
Average total loans$555,455,200894
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8593%5,685
Cost of funding earning assets0.1989%5,082
Net interest margin2.6605%5,534
Noninterest income to average assets0.3077%4,572
Noninterest expense to average assets2.3247%4,477
Loan and lease loss provision to assets0.0000%4,186
Net operating income to assets0.2901%5,304
Return on assets (ROA)0.3028%5,365
Pretax return on assets0.4823%5,166
Return on Equity (ROE)3.0886%5,196
Retained earnings to average equity (ytd only)3.0886%4,063
Net charge-offs to loans0.0031%3,823
Credit loss provision to net charge-offs0.0000%3,412
Earnings coverage of net charge-offs (x)301.4351%271
Efficiency ratio83.4067%1,035
Assets per employee ($millions)9.2989%375
Cash dividends to net income (ytd only)*0.0000%3,760
Condition Ratios (%)
Loss allowance to loans0.5763%5,635
Loan loss allowance to noncurrent loans188.5044%2,340
Noncurrent assets plus other real estate owned to assets0.1491%4,845
Noncurrent loans to loans0.3057%4,157
Net loans and leases to total assets48.4798%4,926
Net loans and leases to deposits54.8911%5,060
Net loans and leases to core deposits56.6937%5,112
Total domestic deposits to total assets88.3199%1,225
Equity capital to assets9.6901%4,473
Core capital (leverage) ratio10.1116%3,430
Tier 1 risk-based capital ratio22.4505%1,069
Total risk-based capital ratio23.0804%1,138
Memoranda:
Average total assets$1,129,520,000634
Average earning assets$1,052,665,750624
Average equity$110,727,750727
Average total loans$555,089,250893
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8805%5,748
Cost of funding earning assets0.2000%5,145
Net interest margin2.6805%5,595
Noninterest income to average assets0.3110%4,551
Noninterest expense to average assets2.3105%4,583
Loan and lease loss provision to assets0.0000%4,017
Net operating income to assets0.3132%5,283
Return on assets (ROA)0.3323%5,313
Pretax return on assets0.5281%5,079
Return on Equity (ROE)3.3769%5,134
Retained earnings to average equity (ytd only)3.3769%3,745
Net charge-offs to loans0.0036%3,580
Credit loss provision to net charge-offs0.0000%3,050
Earnings coverage of net charge-offs (x)280.2000%245
Efficiency ratio82.2613%1,240
Assets per employee ($millions)9.4230%338
Cash dividends to net income (ytd only)*0.0000%3,619
Condition Ratios (%)
Loss allowance to loans0.5724%5,715
Loan loss allowance to noncurrent loans172.7712%2,574
Noncurrent assets plus other real estate owned to assets0.1647%4,851
Noncurrent loans to loans0.3313%4,179
Net loans and leases to total assets49.4159%4,881
Net loans and leases to deposits55.8782%5,023
Net loans and leases to core deposits57.7657%5,082
Total domestic deposits to total assets88.4351%1,209
Equity capital to assets9.9492%4,290
Core capital (leverage) ratio10.1740%3,359
Tier 1 risk-based capital ratio21.9800%1,139
Total risk-based capital ratio22.6011%1,197
Memoranda:
Average total assets$1,124,772,670641
Average earning assets$1,048,070,000625
Average equity$110,693,000729
Average total loans$554,216,670890
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9226%5,760
Cost of funding earning assets0.2010%5,196
Net interest margin2.7217%5,585
Noninterest income to average assets0.3284%4,381
Noninterest expense to average assets2.3135%4,623
Loan and lease loss provision to assets0.0000%3,656
Net operating income to assets0.3463%5,161
Return on assets (ROA)0.3534%5,220
Pretax return on assets0.5613%4,921
Return on Equity (ROE)3.6106%5,029
Retained earnings to average equity (ytd only)3.6106%3,689
Net charge-offs to loans0.0029%3,019
Credit loss provision to net charge-offs0.0000%2,416
Earnings coverage of net charge-offs (x)385.7500%157
Efficiency ratio80.7870%1,514
Assets per employee ($millions)9.4102%343
Cash dividends to net income (ytd only)*0.0000%2,863
Condition Ratios (%)
Loss allowance to loans0.5813%5,770
Loan loss allowance to noncurrent loans164.3549%2,579
Noncurrent assets plus other real estate owned to assets0.1751%4,868
Noncurrent loans to loans0.3537%4,162
Net loans and leases to total assets49.2246%4,869
Net loans and leases to deposits55.6218%5,008
Net loans and leases to core deposits57.7393%5,064
Total domestic deposits to total assets88.4988%1,356
Equity capital to assets9.9234%4,183
Core capital (leverage) ratio10.1575%3,360
Tier 1 risk-based capital ratio22.0288%1,151
Total risk-based capital ratio22.6572%1,225
Memoranda:
Average total assets$1,121,778,000646
Average earning assets$1,044,943,000633
Average equity$109,788,500736
Average total loans$550,328,500895
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8541%5,847
Cost of funding earning assets0.2125%5,171
Net interest margin2.6417%5,720
Noninterest income to average assets0.3399%4,478
Noninterest expense to average assets2.2857%4,828
Loan and lease loss provision to assets0.0000%4,380
Net operating income to assets0.3495%5,218
Return on assets (ROA)0.3526%5,296
Pretax return on assets0.5163%5,076
Return on Equity (ROE)3.6102%5,102
Retained earnings to average equity (ytd only)3.6102%3,491
Net charge-offs to loans0.0024%4,389
Credit loss provision to net charge-offs0.0000%3,899
Earnings coverage of net charge-offs (x)435.9231%151
Efficiency ratio81.7087%1,444
Assets per employee ($millions)9.2871%347
Cash dividends to net income (ytd only)*0.0000%4,258
Condition Ratios (%)
Loss allowance to loans0.5908%5,808
Loan loss allowance to noncurrent loans167.1155%2,593
Noncurrent assets plus other real estate owned to assets0.1718%4,916
Noncurrent loans to loans0.3535%4,193
Net loans and leases to total assets48.3191%4,988
Net loans and leases to deposits54.4169%5,139
Net loans and leases to core deposits56.4497%5,175
Total domestic deposits to total assets88.7943%1,231
Equity capital to assets9.6511%4,370
Core capital (leverage) ratio9.9865%3,529
Tier 1 risk-based capital ratio21.9649%1,153
Total risk-based capital ratio22.5979%1,225
Memoranda:
Average total assets$1,107,523,800633
Average earning assets$1,030,329,000626
Average equity$108,166,600713
Average total loans$535,246,000876
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8521%5,928
Cost of funding earning assets0.2140%5,245
Net interest margin2.6381%5,795
Noninterest income to average assets0.3473%4,452
Noninterest expense to average assets2.2828%4,824
Loan and lease loss provision to assets0.0000%4,232
Net operating income to assets0.3547%5,305
Return on assets (ROA)0.3589%5,378
Pretax return on assets0.5249%5,162
Return on Equity (ROE)3.6634%5,152
Retained earnings to average equity (ytd only)3.6634%3,856
Net charge-offs to loans0.0010%4,160
Credit loss provision to net charge-offs0.0000%3,517
Earnings coverage of net charge-offs (x)1,073.8949%66
Efficiency ratio81.4845%1,468
Assets per employee ($millions)8.8779%386
Cash dividends to net income (ytd only)*0.0000%3,801
Condition Ratios (%)
Loss allowance to loans0.5988%5,895
Loan loss allowance to noncurrent loans201.9975%2,240
Noncurrent assets plus other real estate owned to assets0.1444%5,182
Noncurrent loans to loans0.2964%4,530
Net loans and leases to total assets48.4074%5,051
Net loans and leases to deposits54.8622%5,198
Net loans and leases to core deposits56.8851%5,256
Total domestic deposits to total assets88.2345%1,433
Equity capital to assets9.8210%4,369
Core capital (leverage) ratio10.0215%3,595
Tier 1 risk-based capital ratio22.1047%1,183
Total risk-based capital ratio22.7489%1,246
Memoranda:
Average total assets$1,103,469,000640
Average earning assets$1,026,578,750633
Average equity$108,095,000722
Average total loans$532,505,000889
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8566%5,977
Cost of funding earning assets0.2165%5,291
Net interest margin2.6401%5,837
Noninterest income to average assets0.3407%4,518
Noninterest expense to average assets2.2768%4,903
Loan and lease loss provision to assets0.0000%4,069
Net operating income to assets0.3608%5,257
Return on assets (ROA)0.3608%5,373
Pretax return on assets0.5213%5,172
Return on Equity (ROE)3.6865%5,143
Retained earnings to average equity (ytd only)3.6865%3,677
Net charge-offs to loans0.0004%3,887
Credit loss provision to net charge-offs0.0000%3,158
Earnings coverage of net charge-offs (x)2,871.0000%13
Efficiency ratio81.3680%1,577
Assets per employee ($millions)8.9385%377
Cash dividends to net income (ytd only)*0.0000%3,641
Condition Ratios (%)
Loss allowance to loans0.6070%5,964
Loan loss allowance to noncurrent loans186.1494%2,360
Noncurrent assets plus other real estate owned to assets0.1583%5,244
Noncurrent loans to loans0.3261%4,529
Net loans and leases to total assets48.2391%5,082
Net loans and leases to deposits54.5644%5,221
Net loans and leases to core deposits56.6124%5,272
Total domestic deposits to total assets88.4076%1,437
Equity capital to assets9.9019%4,155
Core capital (leverage) ratio10.0247%3,562
Tier 1 risk-based capital ratio22.0915%1,192
Total risk-based capital ratio22.7416%1,268
Memoranda:
Average total assets$1,101,378,670645
Average earning assets$1,025,189,670634
Average equity$107,797,330721
Average total loans$529,862,670898
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8781%6,014
Cost of funding earning assets0.2226%5,291
Net interest margin2.6555%5,855
Noninterest income to average assets0.3542%4,365
Noninterest expense to average assets2.3209%4,829
Loan and lease loss provision to assets0.0000%3,703
Net operating income to assets0.3531%5,241
Return on assets (ROA)0.3531%5,358
Pretax return on assets0.5051%5,172
Return on Equity (ROE)3.6284%5,133
Retained earnings to average equity (ytd only)3.6284%3,828
Net charge-offs to loans0.0000%3,288
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio82.1263%1,600
Assets per employee ($millions)8.9434%367
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans0.6156%6,041
Loan loss allowance to noncurrent loans129.0323%3,098
Noncurrent assets plus other real estate owned to assets0.2283%5,022
Noncurrent loans to loans0.4771%4,148
Net loans and leases to total assets47.5517%5,078
Net loans and leases to deposits53.7440%5,211
Net loans and leases to core deposits55.7683%5,264
Total domestic deposits to total assets88.4781%1,553
Equity capital to assets9.8424%4,334
Core capital (leverage) ratio9.9273%3,701
Tier 1 risk-based capital ratio22.0763%1,227
Total risk-based capital ratio22.7322%1,303
Memoranda:
Average total assets$1,102,350,000642
Average earning assets$1,026,099,500628
Average equity$107,263,500720
Average total loans$527,995,500891
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9620%6,086
Cost of funding earning assets0.2682%5,123
Net interest margin2.6937%5,953
Noninterest income to average assets0.3509%4,597
Noninterest expense to average assets2.2139%5,317
Loan and lease loss provision to assets0.0000%4,603
Net operating income to assets0.4406%5,060
Return on assets (ROA)0.4578%5,075
Pretax return on assets0.6594%4,762
Return on Equity (ROE)4.8387%4,750
Retained earnings to average equity (ytd only)4.8387%2,727
Net charge-offs to loans-0.0079%5,524
Credit loss provision to net charge-offs0.0000%4,203
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio77.7232%2,246
Assets per employee ($millions)9.0546%335
Cash dividends to net income (ytd only)*0.0000%4,317
Condition Ratios (%)
Loss allowance to loans0.6117%6,127
Loan loss allowance to noncurrent loans121.2575%3,281
Noncurrent assets plus other real estate owned to assets0.2419%5,054
Noncurrent loans to loans0.5045%4,154
Net loans and leases to total assets47.6548%5,185
Net loans and leases to deposits53.7407%5,347
Net loans and leases to core deposits55.7852%5,400
Total domestic deposits to total assets88.6753%1,427
Equity capital to assets9.6190%4,567
Core capital (leverage) ratio9.6805%4,001
Tier 1 risk-based capital ratio21.5481%1,302
Total risk-based capital ratio22.2023%1,381
Memoranda:
Average total assets$1,094,189,400615
Average earning assets$1,014,466,600600
Average equity$103,519,800703
Average total loans$529,103,600831
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9664%6,162
Cost of funding earning assets0.2744%5,161
Net interest margin2.6920%6,015
Noninterest income to average assets0.3581%4,569
Noninterest expense to average assets2.1882%5,377
Loan and lease loss provision to assets0.0000%4,401
Net operating income to assets0.4571%5,041
Return on assets (ROA)0.4800%5,028
Pretax return on assets0.6970%4,709
Return on Equity (ROE)5.0954%4,678
Retained earnings to average equity (ytd only)5.0954%3,026
Net charge-offs to loans-0.0139%5,511
Credit loss provision to net charge-offs0.0000%3,801
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.7271%2,382
Assets per employee ($millions)9.0182%333
Cash dividends to net income (ytd only)*0.0000%3,806
Condition Ratios (%)
Loss allowance to loans0.6130%6,207
Loan loss allowance to noncurrent loans107.9297%3,476
Noncurrent assets plus other real estate owned to assets0.2739%5,168
Noncurrent loans to loans0.5679%4,221
Net loans and leases to total assets47.9394%5,210
Net loans and leases to deposits53.9660%5,390
Net loans and leases to core deposits56.1935%5,434
Total domestic deposits to total assets88.8326%1,338
Equity capital to assets9.5328%4,753
Core capital (leverage) ratio9.6886%4,097
Tier 1 risk-based capital ratio21.5188%1,345
Total risk-based capital ratio22.1816%1,444
Memoranda:
Average total assets$1,091,571,750616
Average earning assets$1,011,214,500601
Average equity$102,835,500709
Average total loans$528,963,750834
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9864%6,192
Cost of funding earning assets0.2835%5,146
Net interest margin2.7029%6,048
Noninterest income to average assets0.3711%4,467
Noninterest expense to average assets2.1738%5,477
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets0.4724%4,924
Return on assets (ROA)0.4800%4,962
Pretax return on assets0.7093%4,606
Return on Equity (ROE)5.1158%4,620
Retained earnings to average equity (ytd only)5.1158%2,887
Net charge-offs to loans-0.0091%5,303
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio75.6924%2,692
Assets per employee ($millions)8.8590%348
Cash dividends to net income (ytd only)*0.0000%3,638
Condition Ratios (%)
Loss allowance to loans0.6128%6,296
Loan loss allowance to noncurrent loans96.5538%3,720
Noncurrent assets plus other real estate owned to assets0.3062%5,147
Noncurrent loans to loans0.6346%4,123
Net loans and leases to total assets47.9604%5,174
Net loans and leases to deposits54.0308%5,355
Net loans and leases to core deposits56.3409%5,388
Total domestic deposits to total assets88.7649%1,496
Equity capital to assets9.5299%4,713
Core capital (leverage) ratio9.6438%4,118
Tier 1 risk-based capital ratio21.5205%1,342
Total risk-based capital ratio22.1853%1,433
Memoranda:
Average total assets$1,088,689,670618
Average earning assets$1,007,292,670603
Average equity$102,153,330710
Average total loans$528,388,000831
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0136%6,233
Cost of funding earning assets0.2935%5,138
Net interest margin2.7201%6,084
Noninterest income to average assets0.3779%4,362
Noninterest expense to average assets2.1750%5,528
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets0.4812%4,780
Return on assets (ROA)0.4812%4,855
Pretax return on assets0.7135%4,445
Return on Equity (ROE)5.1684%4,456
Retained earnings to average equity (ytd only)5.1684%3,011
Net charge-offs to loans0.0045%3,577
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)323.5000%149
Efficiency ratio75.2991%2,906
Assets per employee ($millions)8.6549%379
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans0.6037%6,403
Loan loss allowance to noncurrent loans87.2608%3,962
Noncurrent assets plus other real estate owned to assets0.3381%5,132
Noncurrent loans to loans0.6918%4,144
Net loans and leases to total assets48.5810%5,054
Net loans and leases to deposits54.6629%5,221
Net loans and leases to core deposits57.0529%5,276
Total domestic deposits to total assets88.8739%1,739
Equity capital to assets9.4393%4,579
Core capital (leverage) ratio9.4900%4,296
Tier 1 risk-based capital ratio21.1836%1,438
Total risk-based capital ratio21.8402%1,533
Memoranda:
Average total assets$1,088,207,000623
Average earning assets$1,004,390,000607
Average equity$101,308,500717
Average total loans$529,669,500828
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0379%6,303
Cost of funding earning assets0.4555%4,064
Net interest margin2.5824%6,280
Noninterest income to average assets0.3525%4,790
Noninterest expense to average assets2.2745%5,446
Loan and lease loss provision to assets0.0023%5,067
Net operating income to assets0.3647%5,280
Return on assets (ROA)0.3649%5,394
Pretax return on assets0.4694%5,297
Return on Equity (ROE)4.0406%5,091
Retained earnings to average equity (ytd only)4.0406%3,315
Net charge-offs to loans0.0232%4,965
Credit loss provision to net charge-offs20.4918%4,439
Earnings coverage of net charge-offs (x)42.3852%900
Efficiency ratio82.8331%1,770
Assets per employee ($millions)8.5512%387
Cash dividends to net income (ytd only)*0.0000%4,285
Condition Ratios (%)
Loss allowance to loans0.6027%6,468
Loan loss allowance to noncurrent loans101.5238%3,571
Noncurrent assets plus other real estate owned to assets0.3094%5,335
Noncurrent loans to loans0.5937%4,502
Net loans and leases to total assets48.1813%5,280
Net loans and leases to deposits54.0608%5,459
Net loans and leases to core deposits56.4648%5,498
Total domestic deposits to total assets89.1243%1,534
Equity capital to assets9.1815%4,828
Core capital (leverage) ratio9.3145%4,526
Tier 1 risk-based capital ratio20.7818%1,467
Total risk-based capital ratio21.4353%1,582
Memoranda:
Average total assets$1,096,991,800599
Average earning assets$1,016,676,600589
Average equity$99,069,600712
Average total loans$526,788,200807
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0354%6,390
Cost of funding earning assets0.4950%3,814
Net interest margin2.5404%6,395
Noninterest income to average assets0.3615%4,804
Noninterest expense to average assets2.2439%5,497
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets0.3844%5,303
Return on assets (ROA)0.3847%5,442
Pretax return on assets0.4781%5,426
Return on Equity (ROE)4.2776%5,084
Retained earnings to average equity (ytd only)4.2776%3,634
Net charge-offs to loans0.0218%4,693
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)45.7341%919
Efficiency ratio82.4459%1,771
Assets per employee ($millions)8.2630%417
Cash dividends to net income (ytd only)*0.0000%3,738
Condition Ratios (%)
Loss allowance to loans0.6077%6,549
Loan loss allowance to noncurrent loans117.5027%3,072
Noncurrent assets plus other real estate owned to assets0.2485%5,700
Noncurrent loans to loans0.5172%4,900
Net loans and leases to total assets47.7541%5,378
Net loans and leases to deposits53.4050%5,595
Net loans and leases to core deposits56.1210%5,616
Total domestic deposits to total assets89.4188%1,343
Equity capital to assets8.9771%5,215
Core capital (leverage) ratio9.1234%4,934
Tier 1 risk-based capital ratio20.5439%1,592
Total risk-based capital ratio21.2006%1,720
Memoranda:
Average total assets$1,097,601,000603
Average earning assets$1,019,728,250588
Average equity$98,712,750725
Average total loans$525,843,000806
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0678%6,379
Cost of funding earning assets0.5096%3,807
Net interest margin2.5582%6,375
Noninterest income to average assets0.3349%5,005
Noninterest expense to average assets2.2613%5,472
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets0.3945%5,236
Return on assets (ROA)0.3945%5,401
Pretax return on assets0.4493%5,521
Return on Equity (ROE)4.3836%5,053
Retained earnings to average equity (ytd only)4.3836%3,481
Net charge-offs to loans0.0137%4,575
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)68.4722%648
Efficiency ratio83.4230%1,703
Assets per employee ($millions)8.3913%394
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans0.6261%6,581
Loan loss allowance to noncurrent loans127.6537%2,873
Noncurrent assets plus other real estate owned to assets0.2442%5,756
Noncurrent loans to loans0.4904%5,036
Net loans and leases to total assets47.0580%5,421
Net loans and leases to deposits52.8596%5,612
Net loans and leases to core deposits55.7118%5,622
Total domestic deposits to total assets89.0246%1,621
Equity capital to assets8.7462%5,491
Core capital (leverage) ratio9.0448%4,914
Tier 1 risk-based capital ratio20.1811%1,682
Total risk-based capital ratio20.8516%1,802
Memoranda:
Average total assets$1,097,141,330605
Average earning assets$1,018,912,330589
Average equity$98,731,330725
Average total loans$525,118,330800
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1140%6,387
Cost of funding earning assets0.5176%3,902
Net interest margin2.5964%6,378
Noninterest income to average assets0.3525%4,860
Noninterest expense to average assets2.3195%5,370
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets0.4737%4,804
Return on assets (ROA)0.4737%4,971
Pretax return on assets0.4478%5,419
Return on Equity (ROE)5.1907%4,466
Retained earnings to average equity (ytd only)5.1907%3,118
Net charge-offs to loans0.0265%3,661
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)35.0571%880
Efficiency ratio83.8191%1,791
Assets per employee ($millions)8.3131%430
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans0.6220%6,678
Loan loss allowance to noncurrent loans105.6041%3,209
Noncurrent assets plus other real estate owned to assets0.2933%5,693
Noncurrent loans to loans0.5890%4,966
Net loans and leases to total assets47.4624%5,285
Net loans and leases to deposits53.4511%5,477
Net loans and leases to core deposits56.3987%5,487
Total domestic deposits to total assets88.7959%1,800
Equity capital to assets9.1614%5,297
Core capital (leverage) ratio9.0510%4,803
Tier 1 risk-based capital ratio20.4486%1,664
Total risk-based capital ratio21.1317%1,774
Memoranda:
Average total assets$1,096,082,000612
Average earning assets$1,019,410,000595
Average equity$100,025,000729
Average total loans$527,403,000797
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4690%6,389
Cost of funding earning assets0.5843%4,498
Net interest margin2.8847%6,251
Noninterest income to average assets0.3321%5,079
Noninterest expense to average assets2.2474%5,818
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets0.5147%4,621
Return on assets (ROA)0.5288%4,833
Pretax return on assets0.7897%4,331
Return on Equity (ROE)5.7475%4,281
Retained earnings to average equity (ytd only)5.7475%2,221
Net charge-offs to loans0.0397%5,363
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)38.3814%838
Efficiency ratio74.5143%2,985
Assets per employee ($millions)8.1704%469
Cash dividends to net income (ytd only)*0.0000%4,298
Condition Ratios (%)
Loss allowance to loans0.6208%6,730
Loan loss allowance to noncurrent loans98.6822%3,356
Noncurrent assets plus other real estate owned to assets0.3169%5,722
Noncurrent loans to loans0.6291%4,949
Net loans and leases to total assets48.1746%5,397
Net loans and leases to deposits54.2328%5,629
Net loans and leases to core deposits57.2559%5,615
Total domestic deposits to total assets88.8294%1,689
Equity capital to assets9.0899%5,417
Core capital (leverage) ratio9.0369%4,837
Tier 1 risk-based capital ratio20.3634%1,591
Total risk-based capital ratio21.0600%1,701
Memoranda:
Average total assets$1,073,547,600611
Average earning assets$998,844,800589
Average equity$98,773,400719
Average total loans$541,281,400766
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5414%6,460
Cost of funding earning assets0.5966%4,688
Net interest margin2.9448%6,284
Noninterest income to average assets0.3366%5,110
Noninterest expense to average assets2.1995%5,951
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets0.5862%4,454
Return on assets (ROA)0.6051%4,635
Pretax return on assets0.9058%4,081
Return on Equity (ROE)6.5565%4,039
Retained earnings to average equity (ytd only)6.5565%2,357
Net charge-offs to loans0.0348%5,157
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)49.5137%758
Efficiency ratio71.4801%3,416
Assets per employee ($millions)8.1053%461
Cash dividends to net income (ytd only)*0.0000%3,713
Condition Ratios (%)
Loss allowance to loans0.6293%6,826
Loan loss allowance to noncurrent loans93.1158%3,439
Noncurrent assets plus other real estate owned to assets0.3503%5,808
Noncurrent loans to loans0.6759%5,092
Net loans and leases to total assets49.7067%5,347
Net loans and leases to deposits56.0876%5,629
Net loans and leases to core deposits59.3573%5,621
Total domestic deposits to total assets88.6234%1,643
Equity capital to assets9.4050%5,326
Core capital (leverage) ratio9.1108%4,897
Tier 1 risk-based capital ratio20.7323%1,591
Total risk-based capital ratio21.4538%1,675
Memoranda:
Average total assets$1,068,227,250617
Average earning assets$994,086,000596
Average equity$98,587,000721
Average total loans$543,920,500766
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5972%6,491
Cost of funding earning assets0.6051%4,860
Net interest margin2.9921%6,259
Noninterest income to average assets0.3505%5,038
Noninterest expense to average assets2.1876%6,041
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets0.6286%4,236
Return on assets (ROA)0.6380%4,427
Pretax return on assets0.9608%3,847
Return on Equity (ROE)6.9575%3,805
Retained earnings to average equity (ytd only)6.9575%2,125
Net charge-offs to loans0.0402%4,815
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)45.9364%784
Efficiency ratio69.7986%3,799
Assets per employee ($millions)8.1263%444
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans0.6272%6,905
Loan loss allowance to noncurrent loans75.3212%3,975
Noncurrent assets plus other real estate owned to assets0.4208%5,731
Noncurrent loans to loans0.8327%4,848
Net loans and leases to total assets50.2200%5,329
Net loans and leases to deposits56.6487%5,583
Net loans and leases to core deposits59.8577%5,606
Total domestic deposits to total assets88.6516%1,737
Equity capital to assets9.2832%5,346
Core capital (leverage) ratio9.0270%4,872
Tier 1 risk-based capital ratio20.4832%1,578
Total risk-based capital ratio21.2142%1,679
Memoranda:
Average total assets$1,067,671,670621
Average earning assets$993,276,330598
Average equity$97,908,330730
Average total loans$546,835,000768
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6641%6,493
Cost of funding earning assets0.6088%5,061
Net interest margin3.0553%6,167
Noninterest income to average assets0.3748%4,859
Noninterest expense to average assets2.1897%6,069
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets0.6599%4,080
Return on assets (ROA)0.6748%4,221
Pretax return on assets1.0503%3,502
Return on Equity (ROE)7.4047%3,558
Retained earnings to average equity (ytd only)7.4047%2,226
Net charge-offs to loans0.0306%4,259
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)65.1190%516
Efficiency ratio68.0714%4,158
Assets per employee ($millions)7.9044%508
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans0.6339%6,949
Loan loss allowance to noncurrent loans62.8033%4,380
Noncurrent assets plus other real estate owned to assets0.5396%5,528
Noncurrent loans to loans1.0093%4,655
Net loans and leases to total assets50.9472%5,168
Net loans and leases to deposits57.3940%5,452
Net loans and leases to core deposits60.7251%5,461
Total domestic deposits to total assets88.7674%1,839
Equity capital to assets9.2132%5,217
Core capital (leverage) ratio8.9246%4,954
Tier 1 risk-based capital ratio20.1274%1,677
Total risk-based capital ratio20.8717%1,777
Memoranda:
Average total assets$1,065,172,000627
Average earning assets$990,799,000598
Average equity$97,073,500733
Average total loans$549,205,000758
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0271%6,408
Cost of funding earning assets0.6869%5,623
Net interest margin3.3402%5,682
Noninterest income to average assets0.3260%5,210
Noninterest expense to average assets2.1546%6,377
Loan and lease loss provision to assets0.0382%6,094
Net operating income to assets0.8328%2,903
Return on assets (ROA)0.8026%3,192
Pretax return on assets1.1933%2,486
Return on Equity (ROE)9.3214%2,318
Retained earnings to average equity (ytd only)9.3214%719
Net charge-offs to loans0.0479%5,827
Credit loss provision to net charge-offs145.9854%1,963
Earnings coverage of net charge-offs (x)48.7628%574
Efficiency ratio62.7941%5,331
Assets per employee ($millions)8.1164%452
Cash dividends to net income (ytd only)*0.0000%4,078
Condition Ratios (%)
Loss allowance to loans0.6367%6,976
Loan loss allowance to noncurrent loans71.2690%4,004
Noncurrent assets plus other real estate owned to assets0.4632%5,808
Noncurrent loans to loans0.8934%4,902
Net loans and leases to total assets51.5192%5,385
Net loans and leases to deposits57.8462%5,707
Net loans and leases to core deposits61.2151%5,732
Total domestic deposits to total assets89.0624%1,499
Equity capital to assets9.0132%5,539
Core capital (leverage) ratio8.8312%5,057
Tier 1 risk-based capital ratio20.0034%1,640
Total risk-based capital ratio20.7650%1,721
Memoranda:
Average total assets$1,046,591,600632
Average earning assets$972,962,400607
Average equity$90,115,000749
Average total loans$571,987,400738
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1046%6,404
Cost of funding earning assets0.7044%5,736
Net interest margin3.4002%5,571
Noninterest income to average assets0.3369%5,163
Noninterest expense to average assets2.1123%6,484
Loan and lease loss provision to assets0.0460%5,865
Net operating income to assets0.8994%2,741
Return on assets (ROA)0.8622%3,052
Pretax return on assets1.2839%2,348
Return on Equity (ROE)10.1344%2,152
Retained earnings to average equity (ytd only)10.1344%809
Net charge-offs to loans0.0476%5,512
Credit loss provision to net charge-offs174.7573%1,704
Earnings coverage of net charge-offs (x)52.5825%622
Efficiency ratio60.3905%5,651
Assets per employee ($millions)7.8964%489
Cash dividends to net income (ytd only)*0.0000%3,512
Condition Ratios (%)
Loss allowance to loans0.6312%7,047
Loan loss allowance to noncurrent loans83.9981%3,430
Noncurrent assets plus other real estate owned to assets0.4011%6,076
Noncurrent loans to loans0.7514%5,374
Net loans and leases to total assets53.0354%5,315
Net loans and leases to deposits59.4828%5,691
Net loans and leases to core deposits63.0175%5,715
Total domestic deposits to total assets89.1608%1,325
Equity capital to assets8.8954%5,866
Core capital (leverage) ratio8.7828%5,290
Tier 1 risk-based capital ratio19.7899%1,737
Total risk-based capital ratio20.5600%1,821
Memoranda:
Average total assets$1,042,427,500643
Average earning assets$969,064,000617
Average equity$88,685,500763
Average total loans$577,162,500739
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1884%6,301
Cost of funding earning assets0.7230%5,819
Net interest margin3.4655%5,302
Noninterest income to average assets0.3479%5,103
Noninterest expense to average assets2.1575%6,490
Loan and lease loss provision to assets0.0462%5,730
Net operating income to assets0.8881%2,695
Return on assets (ROA)0.7578%3,384
Pretax return on assets1.1635%2,628
Return on Equity (ROE)9.0464%2,493
Retained earnings to average equity (ytd only)9.0464%1,089
Net charge-offs to loans0.0165%5,611
Credit loss provision to net charge-offs500.0000%604
Earnings coverage of net charge-offs (x)152.7292%235
Efficiency ratio60.4755%5,803
Assets per employee ($millions)7.8148%491
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans0.6239%7,116
Loan loss allowance to noncurrent loans70.2140%3,937
Noncurrent assets plus other real estate owned to assets0.4864%5,949
Noncurrent loans to loans0.8886%5,195
Net loans and leases to total assets54.3924%5,237
Net loans and leases to deposits60.7249%5,646
Net loans and leases to core deposits64.4798%5,674
Total domestic deposits to total assets89.5718%1,202
Equity capital to assets8.6384%6,015
Core capital (leverage) ratio8.5499%5,476
Tier 1 risk-based capital ratio18.5965%1,967
Total risk-based capital ratio19.3494%2,093
Memoranda:
Average total assets$1,039,828,670647
Average earning assets$966,041,000629
Average equity$87,106,670772
Average total loans$582,707,330738
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2222%6,231
Cost of funding earning assets0.7405%5,923
Net interest margin3.4817%5,093
Noninterest income to average assets0.3907%4,780
Noninterest expense to average assets2.2043%6,414
Loan and lease loss provision to assets0.0463%5,424
Net operating income to assets0.8543%2,756
Return on assets (ROA)0.8296%2,944
Pretax return on assets1.3357%1,922
Return on Equity (ROE)10.0620%2,071
Retained earnings to average equity (ytd only)10.0620%1,106
Net charge-offs to loans0.0082%4,997
Credit loss provision to net charge-offs1,000.0000%373
Earnings coverage of net charge-offs (x)306.6667%96
Efficiency ratio60.8094%5,859
Assets per employee ($millions)7.6956%538
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans0.5996%7,205
Loan loss allowance to noncurrent loans42.1485%5,489
Noncurrent assets plus other real estate owned to assets0.8034%5,301
Noncurrent loans to loans1.4226%4,333
Net loans and leases to total assets56.1358%4,971
Net loans and leases to deposits62.4218%5,452
Net loans and leases to core deposits66.3437%5,474
Total domestic deposits to total assets89.9298%1,187
Equity capital to assets8.3526%6,101
Core capital (leverage) ratio8.3763%5,674
Tier 1 risk-based capital ratio17.9474%2,132
Total risk-based capital ratio18.6744%2,298
Memoranda:
Average total assets$1,036,151,000652
Average earning assets$962,530,000636
Average equity$85,430,000778
Average total loans$587,478,500736
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5565%6,231
Cost of funding earning assets0.9369%5,999
Net interest margin3.6197%4,723
Noninterest income to average assets0.3457%5,328
Noninterest expense to average assets2.2303%6,539
Loan and lease loss provision to assets0.0539%6,606
Net operating income to assets1.0300%1,934
Return on assets (ROA)0.0426%5,860
Pretax return on assets-0.1057%6,002
Return on Equity (ROE)0.5415%5,821
Retained earnings to average equity (ytd only)0.5415%5,306
Net charge-offs to loans0.0806%6,018
Credit loss provision to net charge-offs115.1515%3,762
Earnings coverage of net charge-offs (x)31.8545%699
Efficiency ratio59.9350%6,061
Assets per employee ($millions)7.7693%531
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans0.5711%7,297
Loan loss allowance to noncurrent loans43.4794%5,419
Noncurrent assets plus other real estate owned to assets0.7476%5,514
Noncurrent loans to loans1.3134%4,519
Net loans and leases to total assets56.5947%5,244
Net loans and leases to deposits62.8845%5,756
Net loans and leases to core deposits67.3885%5,729
Total domestic deposits to total assets89.9979%1,103
Equity capital to assets8.1383%6,334
Core capital (leverage) ratio7.8850%6,340
Tier 1 risk-based capital ratio15.6987%2,894
Total risk-based capital ratio16.3452%3,139
Memoranda:
Average total assets$1,057,601,200638
Average earning assets$986,277,200605
Average equity$83,283,600795
Average total loans$614,136,800722
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6050%6,322
Cost of funding earning assets0.9647%6,113
Net interest margin3.6403%4,673
Noninterest income to average assets0.3414%5,439
Noninterest expense to average assets2.1410%6,755
Loan and lease loss provision to assets0.0377%6,705
Net operating income to assets1.3448%1,241
Return on assets (ROA)0.4322%4,799
Pretax return on assets0.5003%4,924
Return on Equity (ROE)5.5343%4,026
Retained earnings to average equity (ytd only)5.5343%2,630
Net charge-offs to loans0.1016%5,513
Credit loss provision to net charge-offs63.5593%5,604
Earnings coverage of net charge-offs (x)26.9787%946
Efficiency ratio57.2441%6,384
Assets per employee ($millions)7.5947%600
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans0.5133%7,440
Loan loss allowance to noncurrent loans40.7826%5,574
Noncurrent assets plus other real estate owned to assets0.7286%5,653
Noncurrent loans to loans1.2585%4,750
Net loans and leases to total assets57.5979%5,320
Net loans and leases to deposits63.9449%5,922
Net loans and leases to core deposits68.8898%5,853
Total domestic deposits to total assets90.0743%841
Equity capital to assets8.2237%6,586
Core capital (leverage) ratio8.2663%5,934
Tier 1 risk-based capital ratio14.9197%3,291
Total risk-based capital ratio15.4560%3,657
Memoranda:
Average total assets$1,061,729,500629
Average earning assets$991,250,750601
Average equity$82,922,750799
Average total loans$619,524,750719
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6573%6,285
Cost of funding earning assets0.9710%6,284
Net interest margin3.6863%4,424
Noninterest income to average assets0.3380%5,446
Noninterest expense to average assets2.1454%6,777
Loan and lease loss provision to assets0.0282%6,664
Net operating income to assets0.9584%2,337
Return on assets (ROA)0.4618%4,657
Pretax return on assets0.8325%3,767
Return on Equity (ROE)6.0177%3,797
Retained earnings to average equity (ytd only)6.0177%2,318
Net charge-offs to loans0.1353%4,861
Credit loss provision to net charge-offs35.6295%5,666
Earnings coverage of net charge-offs (x)20.6770%1,204
Efficiency ratio56.7260%6,540
Assets per employee ($millions)7.7428%559
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans0.4884%7,519
Loan loss allowance to noncurrent loans47.4391%5,134
Noncurrent assets plus other real estate owned to assets0.5993%5,993
Noncurrent loans to loans1.0294%5,246
Net loans and leases to total assets57.9365%5,426
Net loans and leases to deposits64.7592%5,939
Net loans and leases to core deposits70.1787%5,855
Total domestic deposits to total assets89.4644%1,200
Equity capital to assets7.8555%6,884
Core capital (leverage) ratio8.0242%6,244
Tier 1 risk-based capital ratio13.9096%3,793
Total risk-based capital ratio14.4055%4,276
Memoranda:
Average total assets$1,063,750,000625
Average earning assets$993,835,330601
Average equity$81,625,330800
Average total loans$622,306,330722
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6904%6,276
Cost of funding earning assets0.9864%6,437
Net interest margin3.7041%4,221
Noninterest income to average assets0.3821%5,075
Noninterest expense to average assets2.1372%6,845
Loan and lease loss provision to assets0.0283%6,394
Net operating income to assets0.9888%2,227
Return on assets (ROA)0.2570%5,594
Pretax return on assets0.5250%4,875
Return on Equity (ROE)3.3901%5,170
Retained earnings to average equity (ytd only)3.3901%4,124
Net charge-offs to loans0.1317%4,167
Credit loss provision to net charge-offs36.5854%4,702
Earnings coverage of net charge-offs (x)21.9610%1,106
Efficiency ratio55.7456%6,801
Assets per employee ($millions)7.6715%593
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans0.5139%7,581
Loan loss allowance to noncurrent loans52.7722%4,805
Noncurrent assets plus other real estate owned to assets0.5690%6,081
Noncurrent loans to loans0.9738%5,383
Net loans and leases to total assets58.1353%5,412
Net loans and leases to deposits64.4970%6,006
Net loans and leases to core deposits69.8904%5,927
Total domestic deposits to total assets90.1364%925
Equity capital to assets7.7158%6,919
Core capital (leverage) ratio7.9530%6,310
Tier 1 risk-based capital ratio13.3978%4,045
Total risk-based capital ratio13.9036%4,565
Memoranda:
Average total assets$1,061,373,500640
Average earning assets$989,076,000619
Average equity$80,470,000818
Average total loans$622,414,000742
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8585%6,814
Cost of funding earning assets1.5388%5,343
Net interest margin3.3196%5,668
Noninterest income to average assets0.2823%6,086
Noninterest expense to average assets2.1040%7,177
Loan and lease loss provision to assets0.0285%7,235
Net operating income to assets0.7318%2,803
Return on assets (ROA)0.2141%4,916
Pretax return on assets0.4775%4,254
Return on Equity (ROE)3.0263%4,483
Retained earnings to average equity (ytd only)3.0263%3,046
Net charge-offs to loans0.0120%7,057
Credit loss provision to net charge-offs421.0526%748
Earnings coverage of net charge-offs (x)194.0395%143
Efficiency ratio61.5403%6,231
Assets per employee ($millions)7.6553%590
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans0.5284%7,645
Loan loss allowance to noncurrent loans94.3273%2,966
Noncurrent assets plus other real estate owned to assets0.3297%6,616
Noncurrent loans to loans0.5602%6,126
Net loans and leases to total assets58.5370%5,567
Net loans and leases to deposits64.5200%6,209
Net loans and leases to core deposits82.9234%5,823
Total domestic deposits to total assets90.7269%652
Equity capital to assets7.4483%7,080
Core capital (leverage) ratio7.7268%6,528
Tier 1 risk-based capital ratio13.1963%4,017
Total risk-based capital ratio13.7200%4,493
Memoranda:
Average total assets$1,121,553,000592
Average earning assets$1,059,691,800571
Average equity$79,338,200816
Average total loans$634,919,000738
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8819%6,924
Cost of funding earning assets1.6761%5,027
Net interest margin3.2058%6,002
Noninterest income to average assets0.2778%6,248
Noninterest expense to average assets2.0421%7,308
Loan and lease loss provision to assets0.0340%7,018
Net operating income to assets0.6550%3,379
Return on assets (ROA)0.2164%5,184
Pretax return on assets0.5534%4,353
Return on Equity (ROE)3.0981%4,746
Retained earnings to average equity (ytd only)3.0981%3,590
Net charge-offs to loans0.0149%6,712
Credit loss provision to net charge-offs408.4507%974
Earnings coverage of net charge-offs (x)152.7252%249
Efficiency ratio61.6055%6,179
Assets per employee ($millions)7.4193%660
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans0.5225%7,685
Loan loss allowance to noncurrent loans128.3815%2,209
Noncurrent assets plus other real estate owned to assets0.2361%6,928
Noncurrent loans to loans0.4070%6,520
Net loans and leases to total assets57.7231%5,926
Net loans and leases to deposits63.3397%6,550
Net loans and leases to core deposits82.7432%6,136
Total domestic deposits to total assets91.1326%371
Equity capital to assets7.3028%7,426
Core capital (leverage) ratio7.4139%7,066
Tier 1 risk-based capital ratio12.6530%4,435
Total risk-based capital ratio13.1559%4,995
Memoranda:
Average total assets$1,135,920,250595
Average earning assets$1,076,122,500576
Average equity$79,358,750828
Average total loans$637,100,750751
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8829%7,071
Cost of funding earning assets1.8276%4,619
Net interest margin3.0553%6,379
Noninterest income to average assets0.2824%6,242
Noninterest expense to average assets2.0290%7,413
Loan and lease loss provision to assets0.0104%7,104
Net operating income to assets0.6100%3,637
Return on assets (ROA)0.2500%5,182
Pretax return on assets0.5800%4,371
Return on Equity (ROE)3.6303%4,655
Retained earnings to average equity (ytd only)3.6303%3,281
Net charge-offs to loans0.0203%6,230
Credit loss provision to net charge-offs92.3077%4,855
Earnings coverage of net charge-offs (x)102.2923%374
Efficiency ratio63.7676%5,956
Assets per employee ($millions)7.7572%549
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.4890%7,805
Loan loss allowance to noncurrent loans147.2570%1,998
Noncurrent assets plus other real estate owned to assets0.1847%7,070
Noncurrent loans to loans0.3321%6,680
Net loans and leases to total assets55.3594%6,289
Net loans and leases to deposits60.5665%6,848
Net loans and leases to core deposits80.6152%6,353
Total domestic deposits to total assets91.4025%341
Equity capital to assets6.9629%7,631
Core capital (leverage) ratio7.0843%7,470
Tier 1 risk-based capital ratio12.4993%4,521
Total risk-based capital ratio12.9748%5,098
Memoranda:
Average total assets$1,153,489,670600
Average earning assets$1,094,636,330580
Average equity$79,443,330834
Average total loans$639,951,670767
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9226%7,120
Cost of funding earning assets2.0237%4,014
Net interest margin2.8989%6,749
Noninterest income to average assets0.2881%6,135
Noninterest expense to average assets2.0215%7,302
Loan and lease loss provision to assets0.0103%6,700
Net operating income to assets0.4994%4,420
Return on assets (ROA)0.3600%5,203
Pretax return on assets0.7974%4,087
Return on Equity (ROE)5.2546%4,354
Retained earnings to average equity (ytd only)5.2546%2,987
Net charge-offs to loans0.0513%4,755
Credit loss provision to net charge-offs36.1446%4,872
Earnings coverage of net charge-offs (x)36.0723%923
Efficiency ratio66.3444%5,260
Assets per employee ($millions)7.8974%521
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.4736%7,857
Loan loss allowance to noncurrent loans261.0052%1,294
Noncurrent assets plus other real estate owned to assets0.1001%7,290
Noncurrent loans to loans0.1815%7,010
Net loans and leases to total assets54.8915%6,367
Net loans and leases to deposits59.9227%6,903
Net loans and leases to core deposits82.1444%6,229
Total domestic deposits to total assets91.6038%251
Equity capital to assets6.8538%7,748
Core capital (leverage) ratio6.8163%7,757
Tier 1 risk-based capital ratio12.5029%4,553
Total risk-based capital ratio12.9760%5,111
Memoranda:
Average total assets$1,167,841,000599
Average earning assets$1,111,441,500575
Average equity$80,006,000825
Average total loans$647,060,000765
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.4945%7,313
Cost of funding earning assets2.9963%1,878
Net interest margin2.4982%7,753
Noninterest income to average assets0.2902%6,388
Noninterest expense to average assets1.8930%7,626
Loan and lease loss provision to assets0.0095%7,250
Net operating income to assets0.5831%4,377
Return on assets (ROA)-1.0406%7,193
Pretax return on assets-0.8800%6,927
Return on Equity (ROE)-15.8131%7,623
Retained earnings to average equity (ytd only)-15.8131%7,509
Net charge-offs to loans0.0135%6,713
Credit loss provision to net charge-offs136.3636%3,907
Earnings coverage of net charge-offs (x)108.4545%400
Efficiency ratio71.5376%4,027
Assets per employee ($millions)8.1563%446
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.4657%7,895
Loan loss allowance to noncurrent loans234.1482%1,687
Noncurrent assets plus other real estate owned to assets0.1107%7,136
Noncurrent loans to loans0.1989%6,792
Net loans and leases to total assets55.3948%6,502
Net loans and leases to deposits60.4681%7,050
Net loans and leases to core deposits85.2134%6,191
Total domestic deposits to total assets91.6098%189
Equity capital to assets6.8478%7,805
Core capital (leverage) ratio6.5805%7,903
Tier 1 risk-based capital ratio13.5503%3,793
Total risk-based capital ratio14.0723%4,135
Memoranda:
Average total assets$1,267,202,000535
Average earning assets$1,195,039,400519
Average equity$83,386,400801
Average total loans$652,342,200731