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Platte Valley 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 assets6.2965%438
Cost of funding earning assets1.8710%1,123
Net interest margin4.4255%685
Noninterest income to average assets0.4000%2,503
Noninterest expense to average assets2.8267%1,442
Loan and lease loss provision to assets0.2100%579
Net operating income to assets1.2523%1,533
Return on assets (ROA)1.2523%1,507
Pretax return on assets1.5682%1,297
Return on Equity (ROE)14.1300%1,458
Retained earnings to average equity (ytd only)8.0391%1,528
Net charge-offs to loans0.6861%146
Credit loss provision to net charge-offs32.4824%2,269
Earnings coverage of net charge-offs (x)3.0456%2,662
Efficiency ratio61.3947%2,923
Assets per employee ($millions)9.6158%796
Cash dividends to net income (ytd only)*43.0930%1,943
Condition Ratios (%)
Loss allowance to loans1.4327%1,269
Loan loss allowance to noncurrent loans113.1554%3,136
Noncurrent assets plus other real estate owned to assets1.0922%427
Noncurrent loans to loans1.2661%560
Net loans and leases to total assets85.0300%206
Net loans and leases to deposits100.5918%506
Net loans and leases to core deposits120.5443%606
Total domestic deposits to total assets84.5300%2,460
Equity capital to assets8.9166%2,734
Core capital (leverage) ratio9.1657%3,568
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,896
Memoranda:
Average total assets$657,809,0001,369
Average earning assets$624,540,8001,335
Average equity$58,315,2001,419
Average total loans$559,530,8001,135
2023-09-30Rank
Percentage of unprofitable institutions0.0000%10
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2465%393
Cost of funding earning assets1.7575%1,085
Net interest margin4.4891%628
Noninterest income to average assets0.4100%2,428
Noninterest expense to average assets2.8799%1,268
Loan and lease loss provision to assets0.1900%580
Net operating income to assets1.2846%1,579
Return on assets (ROA)1.2846%1,569
Pretax return on assets1.6022%1,354
Return on Equity (ROE)14.5100%1,548
Retained earnings to average equity (ytd only)8.6182%1,786
Net charge-offs to loans0.6565%138
Credit loss provision to net charge-offs26.1861%1,986
Earnings coverage of net charge-offs (x)3.2203%2,444
Efficiency ratio61.6470%2,762
Assets per employee ($millions)9.2347%858
Cash dividends to net income (ytd only)*40.6180%1,630
Condition Ratios (%)
Loss allowance to loans1.5681%949
Loan loss allowance to noncurrent loans151.1223%2,813
Noncurrent assets plus other real estate owned to assets0.8736%619
Noncurrent loans to loans1.0376%777
Net loans and leases to total assets82.8700%369
Net loans and leases to deposits97.7445%627
Net loans and leases to core deposits114.2742%719
Total domestic deposits to total assets84.7800%2,570
Equity capital to assets8.6311%2,644
Core capital (leverage) ratio9.2362%3,554
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,911
Memoranda:
Average total assets$651,580,2501,372
Average earning assets$618,075,2501,342
Average equity$57,675,0001,421
Average total loans$552,175,2501,143
2023-06-30Rank
Percentage of unprofitable institutions0.0000%43
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2055%345
Cost of funding earning assets1.6168%1,024
Net interest margin4.5887%544
Noninterest income to average assets0.4100%2,372
Noninterest expense to average assets2.8808%1,258
Loan and lease loss provision to assets0.1000%1,140
Net operating income to assets1.4407%1,235
Return on assets (ROA)1.4407%1,220
Pretax return on assets1.7876%1,035
Return on Equity (ROE)16.1300%1,242
Retained earnings to average equity (ytd only)10.7094%1,245
Net charge-offs to loans0.5690%144
Credit loss provision to net charge-offs19.8192%1,770
Earnings coverage of net charge-offs (x)3.8948%2,241
Efficiency ratio60.4679%2,898
Assets per employee ($millions)8.9533%924
Cash dividends to net income (ytd only)*33.5861%1,974
Condition Ratios (%)
Loss allowance to loans1.9531%454
Loan loss allowance to noncurrent loans176.2045%2,750
Noncurrent assets plus other real estate owned to assets0.9498%508
Noncurrent loans to loans1.1084%643
Net loans and leases to total assets84.0200%272
Net loans and leases to deposits101.3084%462
Net loans and leases to core deposits117.8862%575
Total domestic deposits to total assets82.9400%3,062
Equity capital to assets9.1280%2,425
Core capital (leverage) ratio9.1938%3,557
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%2,936
Memoranda:
Average total assets$640,650,6671,392
Average earning assets$607,365,6671,366
Average equity$57,239,3331,433
Average total loans$544,466,3331,141
2023-03-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8990%357
Cost of funding earning assets1.2907%1,251
Net interest margin4.6084%502
Noninterest income to average assets0.4100%2,332
Noninterest expense to average assets2.8948%1,244
Loan and lease loss provision to assets0.1900%550
Net operating income to assets1.3929%1,428
Return on assets (ROA)1.3929%1,402
Pretax return on assets1.7011%1,271
Return on Equity (ROE)15.7600%1,408
Retained earnings to average equity (ytd only)15.7624%713
Net charge-offs to loans0.5691%144
Credit loss provision to net charge-offs39.9220%1,320
Earnings coverage of net charge-offs (x)3.9311%1,869
Efficiency ratio60.4578%2,900
Assets per employee ($millions)9.6254%771
Cash dividends to net income (ytd only)*0.0000%2,306
Condition Ratios (%)
Loss allowance to loans1.6527%905
Loan loss allowance to noncurrent loans166.3294%2,857
Noncurrent assets plus other real estate owned to assets0.8507%547
Noncurrent loans to loans0.9937%730
Net loans and leases to total assets84.2000%224
Net loans and leases to deposits100.3627%430
Net loans and leases to core deposits114.5402%571
Total domestic deposits to total assets83.9000%3,109
Equity capital to assets8.5852%2,822
Core capital (leverage) ratio9.4720%3,238
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,020
Memoranda:
Average total assets$638,658,5001,416
Average earning assets$606,201,5001,386
Average equity$56,438,0001,461
Average total loans$540,492,0001,162
2022-12-31Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5468%146
Cost of funding earning assets0.5520%1,101
Net interest margin4.9948%138
Noninterest income to average assets0.5400%1,892
Noninterest expense to average assets3.0498%899
Loan and lease loss provision to assets0.1900%578
Net operating income to assets1.6175%661
Return on assets (ROA)1.6201%626
Pretax return on assets2.0301%445
Return on Equity (ROE)17.6100%768
Retained earnings to average equity (ytd only)7.2510%2,125
Net charge-offs to loans0.2154%380
Credit loss provision to net charge-offs112.4752%1,497
Earnings coverage of net charge-offs (x)12.9178%2,089
Efficiency ratio57.8721%3,356
Assets per employee ($millions)6.7814%2,135
Cash dividends to net income (ytd only)*58.8174%1,004
Condition Ratios (%)
Loss allowance to loans1.9829%441
Loan loss allowance to noncurrent loans162.0623%2,892
Noncurrent assets plus other real estate owned to assets1.0220%425
Noncurrent loans to loans1.2235%570
Net loans and leases to total assets81.8700%420
Net loans and leases to deposits91.2614%963
Net loans and leases to core deposits103.0279%852
Total domestic deposits to total assets89.7100%1,479
Equity capital to assets9.1180%2,282
Core capital (leverage) ratio9.4084%3,239
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,055
Memoranda:
Average total assets$587,669,0001,518
Average earning assets$556,479,0001,488
Average equity$54,075,6001,521
Average total loans$468,806,0001,233
2022-09-30Rank
Percentage of unprofitable institutions0.0000%1
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.3554%132
Cost of funding earning assets0.4128%1,208
Net interest margin4.9426%128
Noninterest income to average assets0.5700%1,823
Noninterest expense to average assets3.0323%870
Loan and lease loss provision to assets0.1700%564
Net operating income to assets1.6423%600
Return on assets (ROA)1.6458%582
Pretax return on assets2.0505%419
Return on Equity (ROE)17.8400%664
Retained earnings to average equity (ytd only)7.4421%2,217
Net charge-offs to loans0.1594%406
Credit loss provision to net charge-offs137.6364%1,159
Earnings coverage of net charge-offs (x)17.6636%1,780
Efficiency ratio57.7425%3,412
Assets per employee ($millions)6.7228%2,145
Cash dividends to net income (ytd only)*58.2929%919
Condition Ratios (%)
Loss allowance to loans2.0806%429
Loan loss allowance to noncurrent loans155.6602%2,989
Noncurrent assets plus other real estate owned to assets1.0702%411
Noncurrent loans to loans1.3366%548
Net loans and leases to total assets78.4000%674
Net loans and leases to deposits87.0732%1,097
Net loans and leases to core deposits100.1939%801
Total domestic deposits to total assets90.0400%1,638
Equity capital to assets8.9133%2,271
Core capital (leverage) ratio9.5836%2,977
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio0.0000%3,120
Memoranda:
Average total assets$583,700,7501,532
Average earning assets$552,597,0001,501
Average equity$53,836,7501,539
Average total loans$459,977,2501,246
2022-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.2281%126
Cost of funding earning assets0.3480%1,283
Net interest margin4.8801%116
Noninterest income to average assets0.6122%1,688
Noninterest expense to average assets3.0490%797
Loan and lease loss provision to assets0.1311%737
Net operating income to assets1.6643%470
Return on assets (ROA)1.6643%462
Pretax return on assets2.0531%336
Return on Equity (ROE)17.8346%491
Retained earnings to average equity (ytd only)7.4267%1,840
Net charge-offs to loans0.1602%398
Credit loss provision to net charge-offs104.4199%1,250
Earnings coverage of net charge-offs (x)17.3950%1,603
Efficiency ratio58.2621%3,523
Assets per employee ($millions)6.5242%2,295
Cash dividends to net income (ytd only)*58.3576%1,120
Condition Ratios (%)
Loss allowance to loans2.0688%478
Loan loss allowance to noncurrent loans151.1312%3,008
Noncurrent assets plus other real estate owned to assets1.1267%387
Noncurrent loans to loans1.3688%559
Net loans and leases to total assets80.6049%364
Net loans and leases to deposits89.9076%728
Net loans and leases to core deposits102.1068%584
Total domestic deposits to total assets89.6530%1,868
Equity capital to assets9.2870%2,173
Core capital (leverage) ratio9.6183%2,797
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$576,583,6671,558
Average earning assets$545,972,0001,533
Average equity$53,805,6671,588
Average total loans$451,827,6671,262
2022-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9871%158
Cost of funding earning assets0.3404%1,283
Net interest margin4.6467%146
Noninterest income to average assets0.6175%1,617
Noninterest expense to average assets3.0584%744
Loan and lease loss provision to assets0.1246%666
Net operating income to assets1.5288%595
Return on assets (ROA)1.5288%589
Pretax return on assets1.8352%508
Return on Equity (ROE)16.3435%501
Retained earnings to average equity (ytd only)5.9242%2,273
Net charge-offs to loans0.2470%253
Credit loss provision to net charge-offs66.0517%1,152
Earnings coverage of net charge-offs (x)10.3875%1,464
Efficiency ratio60.9462%3,381
Assets per employee ($millions)6.7964%2,149
Cash dividends to net income (ytd only)*63.7523%968
Condition Ratios (%)
Loss allowance to loans2.1619%470
Loan loss allowance to noncurrent loans139.3814%3,060
Noncurrent assets plus other real estate owned to assets1.2145%360
Noncurrent loans to loans1.5511%523
Net loans and leases to total assets76.6076%466
Net loans and leases to deposits85.9243%746
Net loans and leases to core deposits97.8794%580
Total domestic deposits to total assets89.1570%2,001
Equity capital to assets9.2570%2,478
Core capital (leverage) ratio9.4788%2,820
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$574,549,5001,569
Average earning assets$544,123,5001,553
Average equity$53,746,0001,628
Average total loans$438,781,0001,273
2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6998%107
Cost of funding earning assets0.4192%1,398
Net interest margin5.2807%104
Noninterest income to average assets0.8866%1,244
Noninterest expense to average assets2.7583%1,463
Loan and lease loss provision to assets0.2889%290
Net operating income to assets2.2462%226
Return on assets (ROA)2.2324%239
Pretax return on assets2.8082%177
Return on Equity (ROE)22.1317%214
Retained earnings to average equity (ytd only)1.4499%4,134
Net charge-offs to loans0.2436%383
Credit loss provision to net charge-offs157.0297%1,462
Earnings coverage of net charge-offs (x)16.9307%1,960
Efficiency ratio46.8521%4,461
Assets per employee ($millions)6.8025%2,066
Cash dividends to net income (ytd only)*93.4486%288
Condition Ratios (%)
Loss allowance to loans2.3213%373
Loan loss allowance to noncurrent loans139.9348%3,054
Noncurrent assets plus other real estate owned to assets1.2345%392
Noncurrent loans to loans1.6589%517
Net loans and leases to total assets72.6901%789
Net loans and leases to deposits81.6866%1,089
Net loans and leases to core deposits93.0576%823
Total domestic deposits to total assets88.9865%1,523
Equity capital to assets9.4530%3,183
Core capital (leverage) ratio9.4081%2,963
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$549,041,4001,579
Average earning assets$518,418,8001,550
Average equity$55,382,0001,624
Average total loans$414,682,8001,334
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8217%106
Cost of funding earning assets0.4318%1,474
Net interest margin5.3899%97
Noninterest income to average assets0.8322%1,433
Noninterest expense to average assets2.7878%1,373
Loan and lease loss provision to assets0.0554%1,877
Net operating income to assets2.4698%222
Return on assets (ROA)2.4698%225
Pretax return on assets3.0753%166
Return on Equity (ROE)24.0873%203
Retained earnings to average equity (ytd only)12.5928%703
Net charge-offs to loans0.2747%296
Credit loss provision to net charge-offs26.6196%1,967
Earnings coverage of net charge-offs (x)15.0306%1,876
Efficiency ratio46.9491%4,448
Assets per employee ($millions)6.8243%2,000
Cash dividends to net income (ytd only)*47.7203%1,290
Condition Ratios (%)
Loss allowance to loans2.0210%610
Loan loss allowance to noncurrent loans471.5606%1,421
Noncurrent assets plus other real estate owned to assets0.3247%2,155
Noncurrent loans to loans0.4286%2,272
Net loans and leases to total assets74.2251%676
Net loans and leases to deposits84.4582%931
Net loans and leases to core deposits97.1463%696
Total domestic deposits to total assets87.8838%1,912
Equity capital to assets10.3571%2,563
Core capital (leverage) ratio10.6265%1,962
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$543,449,7501,599
Average earning assets$512,846,2501,578
Average equity$55,723,7501,632
Average total loans$412,046,5001,372
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9895%101
Cost of funding earning assets0.4586%1,461
Net interest margin5.5308%94
Noninterest income to average assets0.8216%1,473
Noninterest expense to average assets2.7820%1,394
Loan and lease loss provision to assets0.0844%1,455
Net operating income to assets2.5484%206
Return on assets (ROA)2.5484%220
Pretax return on assets3.1680%154
Return on Equity (ROE)24.9417%194
Retained earnings to average equity (ytd only)11.2305%1,069
Net charge-offs to loans0.3012%287
Credit loss provision to net charge-offs36.9281%1,674
Earnings coverage of net charge-offs (x)14.2369%1,672
Efficiency ratio45.9297%4,516
Assets per employee ($millions)6.3073%2,323
Cash dividends to net income (ytd only)*54.9729%1,081
Condition Ratios (%)
Loss allowance to loans2.1433%472
Loan loss allowance to noncurrent loans485.2397%1,307
Noncurrent assets plus other real estate owned to assets0.3648%2,150
Noncurrent loans to loans0.4417%2,347
Net loans and leases to total assets75.8728%600
Net loans and leases to deposits86.6358%874
Net loans and leases to core deposits99.4813%677
Total domestic deposits to total assets87.5768%2,055
Equity capital to assets10.5514%2,353
Core capital (leverage) ratio10.2873%2,126
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$535,794,3331,610
Average earning assets$504,987,0001,593
Average equity$54,743,6671,650
Average total loans$406,363,6671,392
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1957%80
Cost of funding earning assets0.4842%1,488
Net interest margin5.7115%79
Noninterest income to average assets0.7991%1,583
Noninterest expense to average assets2.7937%1,383
Loan and lease loss provision to assets0.1688%739
Net operating income to assets2.6175%220
Return on assets (ROA)2.6175%244
Pretax return on assets3.2097%188
Return on Equity (ROE)26.0442%231
Retained earnings to average equity (ytd only)5.9742%2,911
Net charge-offs to loans0.4809%175
Credit loss provision to net charge-offs46.7909%1,322
Earnings coverage of net charge-offs (x)9.3665%1,542
Efficiency ratio45.0938%4,521
Assets per employee ($millions)6.3752%2,274
Cash dividends to net income (ytd only)*77.0613%621
Condition Ratios (%)
Loss allowance to loans2.2401%394
Loan loss allowance to noncurrent loans553.1212%1,091
Noncurrent assets plus other real estate owned to assets0.3363%2,454
Noncurrent loans to loans0.4050%2,651
Net loans and leases to total assets71.9389%1,036
Net loans and leases to deposits81.3260%1,393
Net loans and leases to core deposits92.4475%1,086
Total domestic deposits to total assets88.4575%1,627
Equity capital to assets9.8331%2,862
Core capital (leverage) ratio9.9686%2,566
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$535,633,0001,596
Average earning assets$503,900,0001,582
Average equity$53,831,5001,656
Average total loans$401,707,5001,405
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5318%55
Cost of funding earning assets0.7935%1,240
Net interest margin5.7383%55
Noninterest income to average assets0.7184%1,798
Noninterest expense to average assets2.9692%1,505
Loan and lease loss provision to assets0.9475%113
Net operating income to assets1.7588%425
Return on assets (ROA)1.7588%463
Pretax return on assets2.1780%312
Return on Equity (ROE)16.7342%436
Retained earnings to average equity (ytd only)10.4901%496
Net charge-offs to loans0.6518%230
Credit loss provision to net charge-offs174.0113%2,297
Earnings coverage of net charge-offs (x)5.7401%2,841
Efficiency ratio48.5329%4,608
Assets per employee ($millions)6.0814%2,270
Cash dividends to net income (ytd only)*37.3134%2,483
Condition Ratios (%)
Loss allowance to loans2.3240%339
Loan loss allowance to noncurrent loans481.8559%1,171
Noncurrent assets plus other real estate owned to assets0.3933%2,412
Noncurrent loans to loans0.4823%2,524
Net loans and leases to total assets74.6970%939
Net loans and leases to deposits85.2135%1,321
Net loans and leases to core deposits99.6615%917
Total domestic deposits to total assets87.6587%1,630
Equity capital to assets10.2775%2,854
Core capital (leverage) ratio10.4845%2,167
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$487,611,4001,587
Average earning assets$456,843,8001,574
Average equity$51,248,4001,658
Average total loans$407,357,6001,333
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7900%53
Cost of funding earning assets0.8629%1,196
Net interest margin5.9270%50
Noninterest income to average assets0.6500%1,985
Noninterest expense to average assets3.0355%1,361
Loan and lease loss provision to assets0.9775%150
Net operating income to assets1.7773%477
Return on assets (ROA)1.7773%532
Pretax return on assets2.1878%349
Return on Equity (ROE)16.8089%462
Retained earnings to average equity (ytd only)11.1910%538
Net charge-offs to loans0.7266%191
Credit loss provision to net charge-offs157.3991%2,286
Earnings coverage of net charge-offs (x)5.0969%2,762
Efficiency ratio48.7649%4,565
Assets per employee ($millions)5.8244%2,422
Cash dividends to net income (ytd only)*33.4221%2,210
Condition Ratios (%)
Loss allowance to loans2.0143%484
Loan loss allowance to noncurrent loans436.1702%1,180
Noncurrent assets plus other real estate owned to assets0.6408%1,820
Noncurrent loans to loans0.4618%2,669
Net loans and leases to total assets83.6169%313
Net loans and leases to deposits95.5276%793
Net loans and leases to core deposits110.6115%676
Total domestic deposits to total assets87.5317%1,428
Equity capital to assets10.5003%2,790
Core capital (leverage) ratio10.5875%2,193
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$478,764,7501,590
Average earning assets$448,376,5001,577
Average equity$50,622,7501,669
Average total loans$409,207,2501,320
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0417%63
Cost of funding earning assets0.9396%1,192
Net interest margin6.1021%61
Noninterest income to average assets0.5316%2,429
Noninterest expense to average assets3.0930%1,372
Loan and lease loss provision to assets1.0183%201
Net operating income to assets1.7519%554
Return on assets (ROA)1.7519%606
Pretax return on assets2.1295%414
Return on Equity (ROE)16.5276%487
Retained earnings to average equity (ytd only)12.2566%431
Net charge-offs to loans0.8270%187
Credit loss provision to net charge-offs143.9712%2,158
Earnings coverage of net charge-offs (x)4.4505%2,599
Efficiency ratio49.3711%4,541
Assets per employee ($millions)5.8003%2,372
Cash dividends to net income (ytd only)*25.8416%2,520
Condition Ratios (%)
Loss allowance to loans1.8429%598
Loan loss allowance to noncurrent loans408.2025%1,206
Noncurrent assets plus other real estate owned to assets0.6513%1,869
Noncurrent loans to loans0.4515%2,798
Net loans and leases to total assets87.0958%92
Net loans and leases to deposits100.1841%537
Net loans and leases to core deposits116.3832%524
Total domestic deposits to total assets86.9358%1,645
Equity capital to assets10.4201%2,820
Core capital (leverage) ratio10.2896%2,545
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$471,386,0001,579
Average earning assets$441,027,6671,573
Average equity$49,965,0001,672
Average total loans$403,127,0001,314
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6922%70
Cost of funding earning assets1.0489%1,223
Net interest margin5.6433%74
Noninterest income to average assets0.5619%2,222
Noninterest expense to average assets3.1969%1,432
Loan and lease loss provision to assets0.8251%291
Net operating income to assets1.5607%682
Return on assets (ROA)1.5607%751
Pretax return on assets1.8108%682
Return on Equity (ROE)14.5918%602
Retained earnings to average equity (ytd only)14.5918%216
Net charge-offs to loans0.8747%169
Credit loss provision to net charge-offs112.5592%1,739
Earnings coverage of net charge-offs (x)3.5960%2,200
Efficiency ratio54.6010%4,350
Assets per employee ($millions)5.6408%1,980
Cash dividends to net income (ytd only)*0.0000%2,581
Condition Ratios (%)
Loss allowance to loans1.9117%593
Loan loss allowance to noncurrent loans263.9688%1,687
Noncurrent assets plus other real estate owned to assets0.8928%1,507
Noncurrent loans to loans0.7242%2,188
Net loans and leases to total assets81.4935%504
Net loans and leases to deposits93.9766%1,081
Net loans and leases to core deposits111.1437%797
Total domestic deposits to total assets86.7168%1,682
Equity capital to assets10.7002%3,140
Core capital (leverage) ratio10.7254%2,715
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratioNANA
Memoranda:
Average total assets$460,566,0001,566
Average earning assets$430,171,0001,557
Average equity$49,260,5001,685
Average total loans$385,957,0001,336
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9874%69
Cost of funding earning assets1.1987%1,024
Net interest margin5.7886%77
Noninterest income to average assets0.6720%1,913
Noninterest expense to average assets3.0401%1,910
Loan and lease loss provision to assets0.5880%203
Net operating income to assets1.9674%386
Return on assets (ROA)1.9800%383
Pretax return on assets2.4532%226
Return on Equity (ROE)19.2568%253
Retained earnings to average equity (ytd only)12.2272%225
Net charge-offs to loans0.5264%350
Credit loss provision to net charge-offs130.5416%1,956
Earnings coverage of net charge-offs (x)6.7177%2,942
Efficiency ratio49.9144%4,738
Assets per employee ($millions)5.5919%1,981
Cash dividends to net income (ytd only)*36.5047%2,777
Condition Ratios (%)
Loss allowance to loans1.9142%536
Loan loss allowance to noncurrent loans376.6701%1,247
Noncurrent assets plus other real estate owned to assets0.7480%1,734
Noncurrent loans to loans0.5082%2,667
Net loans and leases to total assets82.9253%436
Net loans and leases to deposits95.7534%966
Net loans and leases to core deposits115.2629%626
Total domestic deposits to total assets86.6030%1,804
Equity capital to assets10.6909%3,265
Core capital (leverage) ratio10.4741%2,980
Tier 1 risk-based capital ratio11.9894%4,373
Total risk-based capital ratio13.2470%4,240
Memoranda:
Average total assets$442,721,2001,590
Average earning assets$412,514,6001,577
Average equity$45,521,6001,742
Average total loans$378,771,6001,331
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9542%71
Cost of funding earning assets1.2091%1,016
Net interest margin5.7452%83
Noninterest income to average assets0.6367%2,043
Noninterest expense to average assets3.0348%1,873
Loan and lease loss provision to assets0.4677%264
Net operating income to assets2.0066%390
Return on assets (ROA)2.0228%394
Pretax return on assets2.5057%247
Return on Equity (ROE)19.8763%256
Retained earnings to average equity (ytd only)12.4353%332
Net charge-offs to loans0.4963%344
Credit loss provision to net charge-offs109.8151%2,094
Earnings coverage of net charge-offs (x)6.9346%2,793
Efficiency ratio50.4679%4,712
Assets per employee ($millions)5.7226%1,835
Cash dividends to net income (ytd only)*37.4363%2,264
Condition Ratios (%)
Loss allowance to loans1.8321%634
Loan loss allowance to noncurrent loans371.9631%1,262
Noncurrent assets plus other real estate owned to assets0.7269%1,882
Noncurrent loans to loans0.4926%2,817
Net loans and leases to total assets81.2928%662
Net loans and leases to deposits93.6775%1,249
Net loans and leases to core deposits113.9258%758
Total domestic deposits to total assets86.7794%1,633
Equity capital to assets10.4063%3,631
Core capital (leverage) ratio10.4169%3,177
Tier 1 risk-based capital ratio11.8711%4,479
Total risk-based capital ratio13.1277%4,363
Memoranda:
Average total assets$440,165,2501,598
Average earning assets$410,003,2501,592
Average equity$44,796,0001,765
Average total loans$377,730,5001,341
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8729%80
Cost of funding earning assets1.1968%1,011
Net interest margin5.6760%93
Noninterest income to average assets0.6025%2,140
Noninterest expense to average assets2.9872%2,039
Loan and lease loss provision to assets0.4548%262
Net operating income to assets1.9909%393
Return on assets (ROA)2.0147%399
Pretax return on assets2.4760%251
Return on Equity (ROE)19.9517%262
Retained earnings to average equity (ytd only)11.7785%431
Net charge-offs to loans0.4440%369
Credit loss provision to net charge-offs117.9548%1,763
Earnings coverage of net charge-offs (x)7.5244%2,480
Efficiency ratio50.5100%4,754
Assets per employee ($millions)5.6634%1,814
Cash dividends to net income (ytd only)*40.9650%2,167
Condition Ratios (%)
Loss allowance to loans1.8575%615
Loan loss allowance to noncurrent loans375.5191%1,291
Noncurrent assets plus other real estate owned to assets0.7384%1,880
Noncurrent loans to loans0.4947%2,802
Net loans and leases to total assets82.1912%576
Net loans and leases to deposits94.7695%1,176
Net loans and leases to core deposits116.4111%667
Total domestic deposits to total assets86.7275%1,716
Equity capital to assets10.2934%3,706
Core capital (leverage) ratio10.0778%3,515
Tier 1 risk-based capital ratio11.6800%4,590
Total risk-based capital ratio12.9375%4,486
Memoranda:
Average total assets$436,192,6701,608
Average earning assets$406,235,3301,608
Average equity$44,046,3301,791
Average total loans$378,850,6701,339
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.7012%97
Cost of funding earning assets1.1516%1,042
Net interest margin5.5496%109
Noninterest income to average assets0.5076%2,513
Noninterest expense to average assets3.0096%1,969
Loan and lease loss provision to assets0.4301%262
Net operating income to assets1.8642%494
Return on assets (ROA)1.9123%468
Pretax return on assets2.2888%366
Return on Equity (ROE)19.1259%320
Retained earnings to average equity (ytd only)8.9722%1,332
Net charge-offs to loans0.4226%361
Credit loss provision to net charge-offs115.0617%1,458
Earnings coverage of net charge-offs (x)7.1210%2,153
Efficiency ratio52.8397%4,628
Assets per employee ($millions)5.7343%1,761
Cash dividends to net income (ytd only)*53.0888%1,543
Condition Ratios (%)
Loss allowance to loans1.7627%758
Loan loss allowance to noncurrent loans269.8368%1,716
Noncurrent assets plus other real estate owned to assets0.8935%1,577
Noncurrent loans to loans0.6532%2,383
Net loans and leases to total assets85.5920%222
Net loans and leases to deposits98.8220%718
Net loans and leases to core deposits119.8710%534
Total domestic deposits to total assets86.6123%1,998
Equity capital to assets9.9282%3,893
Core capital (leverage) ratio9.8952%3,719
Tier 1 risk-based capital ratio10.8707%5,032
Total risk-based capital ratio12.1269%4,936
Memoranda:
Average total assets$433,415,0001,616
Average earning assets$403,272,5001,621
Average equity$43,334,0001,807
Average total loans$383,301,0001,333
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5151%86
Cost of funding earning assets0.9460%938
Net interest margin5.5691%101
Noninterest income to average assets0.6093%2,245
Noninterest expense to average assets3.2994%1,325
Loan and lease loss provision to assets0.5189%224
Net operating income to assets1.5741%941
Return on assets (ROA)1.5741%929
Pretax return on assets1.9475%627
Return on Equity (ROE)15.5490%714
Retained earnings to average equity (ytd only)8.6820%991
Net charge-offs to loans0.4158%444
Credit loss provision to net charge-offs143.1507%1,899
Earnings coverage of net charge-offs (x)6.8041%3,050
Efficiency ratio56.9866%4,283
Assets per employee ($millions)5.5233%1,933
Cash dividends to net income (ytd only)*44.1640%2,292
Condition Ratios (%)
Loss allowance to loans1.7596%737
Loan loss allowance to noncurrent loans311.2552%1,604
Noncurrent assets plus other real estate owned to assets0.8493%1,647
Noncurrent loans to loans0.5653%2,573
Net loans and leases to total assets88.2170%108
Net loans and leases to deposits102.1593%575
Net loans and leases to core deposits122.4395%486
Total domestic deposits to total assets86.3524%2,068
Equity capital to assets10.0710%3,608
Core capital (leverage) ratio10.0137%3,556
Tier 1 risk-based capital ratio10.7522%5,095
Total risk-based capital ratio12.0083%4,980
Memoranda:
Average total assets$402,764,4001,703
Average earning assets$372,935,2001,708
Average equity$40,774,2001,820
Average total loans$351,133,6001,401
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4552%90
Cost of funding earning assets0.9030%909
Net interest margin5.5522%101
Noninterest income to average assets0.6114%2,252
Noninterest expense to average assets3.3852%1,141
Loan and lease loss provision to assets0.5281%203
Net operating income to assets1.4920%1,213
Return on assets (ROA)1.4920%1,210
Pretax return on assets1.8338%935
Return on Equity (ROE)14.7173%932
Retained earnings to average equity (ytd only)7.7627%1,765
Net charge-offs to loans0.4146%388
Credit loss provision to net charge-offs147.2846%1,735
Earnings coverage of net charge-offs (x)6.5871%2,873
Efficiency ratio58.6576%4,017
Assets per employee ($millions)5.3217%2,100
Cash dividends to net income (ytd only)*47.2547%1,705
Condition Ratios (%)
Loss allowance to loans1.8219%697
Loan loss allowance to noncurrent loans356.1015%1,456
Noncurrent assets plus other real estate owned to assets0.8934%1,651
Noncurrent loans to loans0.5116%2,850
Net loans and leases to total assets86.7294%206
Net loans and leases to deposits100.7044%728
Net loans and leases to core deposits122.3483%505
Total domestic deposits to total assets86.1227%2,132
Equity capital to assets10.1457%3,496
Core capital (leverage) ratio9.9998%3,636
Tier 1 risk-based capital ratio10.8349%5,113
Total risk-based capital ratio12.0914%5,014
Memoranda:
Average total assets$397,132,7501,730
Average earning assets$367,342,0001,740
Average equity$40,260,0001,842
Average total loans$343,442,2501,431
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.2469%105
Cost of funding earning assets0.8588%881
Net interest margin5.3880%127
Noninterest income to average assets0.5940%2,352
Noninterest expense to average assets3.3992%1,134
Loan and lease loss provision to assets0.5340%207
Net operating income to assets1.3565%1,580
Return on assets (ROA)1.3565%1,585
Pretax return on assets1.6426%1,365
Return on Equity (ROE)13.3846%1,242
Retained earnings to average equity (ytd only)6.3533%2,385
Net charge-offs to loans0.2680%597
Credit loss provision to net charge-offs232.0796%1,188
Earnings coverage of net charge-offs (x)9.4602%2,391
Efficiency ratio60.7084%3,814
Assets per employee ($millions)5.2285%2,166
Cash dividends to net income (ytd only)*52.5328%1,576
Condition Ratios (%)
Loss allowance to loans1.9380%584
Loan loss allowance to noncurrent loans328.5995%1,532
Noncurrent assets plus other real estate owned to assets0.8224%1,825
Noncurrent loans to loans0.5898%2,648
Net loans and leases to total assets82.9648%582
Net loans and leases to deposits96.2154%1,115
Net loans and leases to core deposits115.1484%742
Total domestic deposits to total assets86.2282%2,177
Equity capital to assets9.9310%3,691
Core capital (leverage) ratio9.9420%3,644
Tier 1 risk-based capital ratio10.9585%5,072
Total risk-based capital ratio12.2162%4,963
Memoranda:
Average total assets$392,920,6701,757
Average earning assets$363,286,0001,764
Average equity$39,822,0001,869
Average total loans$337,261,3301,452
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1524%112
Cost of funding earning assets0.7946%971
Net interest margin5.3578%126
Noninterest income to average assets0.5251%2,660
Noninterest expense to average assets3.5520%923
Loan and lease loss provision to assets0.5438%193
Net operating income to assets1.1965%2,021
Return on assets (ROA)1.1965%2,036
Pretax return on assets1.3833%2,069
Return on Equity (ROE)11.6811%1,695
Retained earnings to average equity (ytd only)4.5894%3,368
Net charge-offs to loans0.2976%512
Credit loss provision to net charge-offs211.2903%1,012
Earnings coverage of net charge-offs (x)7.4879%2,084
Efficiency ratio64.5644%3,394
Assets per employee ($millions)5.1690%2,282
Cash dividends to net income (ytd only)*60.7112%1,230
Condition Ratios (%)
Loss allowance to loans1.8841%676
Loan loss allowance to noncurrent loans462.6453%1,178
Noncurrent assets plus other real estate owned to assets0.6771%2,304
Noncurrent loans to loans0.4073%3,329
Net loans and leases to total assets83.2896%512
Net loans and leases to deposits96.6563%963
Net loans and leases to core deposits116.4045%713
Total domestic deposits to total assets86.1709%2,467
Equity capital to assets9.9777%3,617
Core capital (leverage) ratio10.0754%3,451
Tier 1 risk-based capital ratio10.9614%5,149
Total risk-based capital ratio12.2183%5,049
Memoranda:
Average total assets$385,468,5001,796
Average earning assets$356,415,0001,806
Average equity$39,482,5001,892
Average total loans$333,373,0001,472
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0611%122
Cost of funding earning assets0.7073%986
Net interest margin5.3538%130
Noninterest income to average assets0.3526%3,947
Noninterest expense to average assets3.1755%1,665
Loan and lease loss provision to assets0.6344%199
Net operating income to assets0.8365%3,006
Return on assets (ROA)0.8366%3,043
Pretax return on assets1.4807%1,716
Return on Equity (ROE)7.7411%2,927
Retained earnings to average equity (ytd only)0.6041%4,800
Net charge-offs to loans0.6125%375
Credit loss provision to net charge-offs118.2845%2,213
Earnings coverage of net charge-offs (x)3.9430%3,534
Efficiency ratio59.6803%4,307
Assets per employee ($millions)4.8431%2,681
Cash dividends to net income (ytd only)*92.1962%497
Condition Ratios (%)
Loss allowance to loans1.8518%707
Loan loss allowance to noncurrent loans218.9073%2,139
Noncurrent assets plus other real estate owned to assets1.0828%1,409
Noncurrent loans to loans0.8459%2,103
Net loans and leases to total assets86.5556%217
Net loans and leases to deposits101.3120%636
Net loans and leases to core deposits119.6711%597
Total domestic deposits to total assets85.4347%2,680
Equity capital to assets10.5256%3,143
Core capital (leverage) ratio10.3133%3,056
Tier 1 risk-based capital ratio11.2918%4,988
Total risk-based capital ratio12.5486%4,858
Memoranda:
Average total assets$362,999,2001,854
Average earning assets$334,790,0001,867
Average equity$39,232,4001,889
Average total loans$317,864,8001,491
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0594%123
Cost of funding earning assets0.6919%1,001
Net interest margin5.3675%128
Noninterest income to average assets0.3047%4,352
Noninterest expense to average assets3.1824%1,597
Loan and lease loss provision to assets0.6749%165
Net operating income to assets0.9839%2,622
Return on assets (ROA)0.9841%2,683
Pretax return on assets1.3968%2,131
Return on Equity (ROE)9.0444%2,576
Retained earnings to average equity (ytd only)1.9068%4,676
Net charge-offs to loans0.6884%279
Credit loss provision to net charge-offs112.1696%2,120
Earnings coverage of net charge-offs (x)3.4425%3,340
Efficiency ratio60.2070%4,176
Assets per employee ($millions)4.7372%2,776
Cash dividends to net income (ytd only)*78.9177%676
Condition Ratios (%)
Loss allowance to loans1.8099%844
Loan loss allowance to noncurrent loans250.8245%1,844
Noncurrent assets plus other real estate owned to assets0.9800%1,734
Noncurrent loans to loans0.7216%2,555
Net loans and leases to total assets87.0963%197
Net loans and leases to deposits104.2328%488
Net loans and leases to core deposits122.9925%488
Total domestic deposits to total assets83.5594%3,270
Equity capital to assets10.7161%3,149
Core capital (leverage) ratio10.7115%2,749
Tier 1 risk-based capital ratio11.5463%4,933
Total risk-based capital ratio12.8027%4,814
Memoranda:
Average total assets$360,518,7501,877
Average earning assets$332,410,7501,890
Average equity$39,227,5001,904
Average total loans$315,112,5001,510
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0519%116
Cost of funding earning assets0.6753%1,019
Net interest margin5.3766%128
Noninterest income to average assets0.2914%4,473
Noninterest expense to average assets3.2311%1,515
Loan and lease loss provision to assets0.7535%139
Net operating income to assets0.9153%2,834
Return on assets (ROA)0.9157%2,884
Pretax return on assets1.2687%2,503
Return on Equity (ROE)8.3724%2,842
Retained earnings to average equity (ytd only)1.2121%4,758
Net charge-offs to loans0.8266%239
Credit loss provision to net charge-offs104.8249%1,953
Earnings coverage of net charge-offs (x)2.8125%3,122
Efficiency ratio61.0969%4,149
Assets per employee ($millions)4.6268%2,898
Cash dividends to net income (ytd only)*85.5223%725
Condition Ratios (%)
Loss allowance to loans1.8180%851
Loan loss allowance to noncurrent loans342.2078%1,419
Noncurrent assets plus other real estate owned to assets0.8174%2,164
Noncurrent loans to loans0.5312%3,171
Net loans and leases to total assets86.7507%224
Net loans and leases to deposits101.8673%616
Net loans and leases to core deposits122.6079%476
Total domestic deposits to total assets85.1605%2,750
Equity capital to assets10.8799%2,943
Core capital (leverage) ratio10.6141%2,791
Tier 1 risk-based capital ratio11.7130%4,832
Total risk-based capital ratio12.9694%4,707
Memoranda:
Average total assets$357,525,0001,895
Average earning assets$329,910,3301,906
Average equity$39,104,6701,910
Average total loans$310,899,0001,524
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0182%119
Cost of funding earning assets0.6703%976
Net interest margin5.3479%126
Noninterest income to average assets0.3372%4,148
Noninterest expense to average assets3.2464%1,486
Loan and lease loss provision to assets1.0735%81
Net operating income to assets0.7543%3,458
Return on assets (ROA)0.7543%3,511
Pretax return on assets0.9499%3,587
Return on Equity (ROE)6.8777%3,458
Retained earnings to average equity (ytd only)-0.2972%4,966
Net charge-offs to loans1.2616%136
Credit loss provision to net charge-offs98.6570%1,631
Earnings coverage of net charge-offs (x)1.8595%2,670
Efficiency ratio61.0708%4,307
Assets per employee ($millions)4.6109%2,994
Cash dividends to net income (ytd only)*104.3219%659
Condition Ratios (%)
Loss allowance to loans1.8549%864
Loan loss allowance to noncurrent loans346.0980%1,436
Noncurrent assets plus other real estate owned to assets0.8088%2,276
Noncurrent loans to loans0.5359%3,203
Net loans and leases to total assets84.1680%351
Net loans and leases to deposits96.4211%901
Net loans and leases to core deposits115.4478%611
Total domestic deposits to total assets87.2921%2,077
Equity capital to assets10.8444%2,806
Core capital (leverage) ratio10.6557%2,730
Tier 1 risk-based capital ratio12.0372%4,687
Total risk-based capital ratio13.2940%4,579
Memoranda:
Average total assets$355,840,5001,910
Average earning assets$328,204,5001,920
Average equity$39,024,5001,916
Average total loans$306,911,0001,548
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0503%117
Cost of funding earning assets0.6666%970
Net interest margin5.3837%132
Noninterest income to average assets0.5851%2,739
Noninterest expense to average assets3.3012%1,575
Loan and lease loss provision to assets0.6020%216
Net operating income to assets1.1655%1,625
Return on assets (ROA)1.1655%1,723
Pretax return on assets1.6704%1,080
Return on Equity (ROE)10.4160%1,799
Retained earnings to average equity (ytd only)3.6456%3,325
Net charge-offs to loans0.5988%385
Credit loss provision to net charge-offs120.0465%2,210
Earnings coverage of net charge-offs (x)4.5317%3,484
Efficiency ratio58.7119%4,758
Assets per employee ($millions)4.6320%2,915
Cash dividends to net income (ytd only)*65.0000%1,542
Condition Ratios (%)
Loss allowance to loans1.8776%842
Loan loss allowance to noncurrent loans206.9289%2,194
Noncurrent assets plus other real estate owned to assets1.1454%1,607
Noncurrent loans to loans0.9074%2,281
Net loans and leases to total assets85.1223%294
Net loans and leases to deposits97.8679%833
Net loans and leases to core deposits115.1252%652
Total domestic deposits to total assets86.9767%2,159
Equity capital to assets11.0920%2,548
Core capital (leverage) ratio10.9541%2,385
Tier 1 risk-based capital ratio12.2225%4,559
Total risk-based capital ratio13.4796%4,433
Memoranda:
Average total assets$343,212,0001,933
Average earning assets$318,017,6001,928
Average equity$38,402,4001,915
Average total loans$287,392,6001,576
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0679%110
Cost of funding earning assets0.6617%999
Net interest margin5.4062%128
Noninterest income to average assets0.6479%2,431
Noninterest expense to average assets3.3257%1,503
Loan and lease loss provision to assets0.6139%190
Net operating income to assets1.2109%1,607
Return on assets (ROA)1.2109%1,702
Pretax return on assets1.7207%1,058
Return on Equity (ROE)10.7978%1,751
Retained earnings to average equity (ytd only)3.9991%3,459
Net charge-offs to loans0.6028%344
Credit loss provision to net charge-offs122.7522%2,058
Earnings coverage of net charge-offs (x)4.6685%3,241
Efficiency ratio58.2441%4,779
Assets per employee ($millions)4.9422%2,431
Cash dividends to net income (ytd only)*62.9643%1,310
Condition Ratios (%)
Loss allowance to loans1.9110%837
Loan loss allowance to noncurrent loans241.4966%1,946
Noncurrent assets plus other real estate owned to assets1.0449%1,971
Noncurrent loans to loans0.7913%2,697
Net loans and leases to total assets84.2714%387
Net loans and leases to deposits97.7476%879
Net loans and leases to core deposits115.8545%662
Total domestic deposits to total assets86.2132%2,254
Equity capital to assets11.2237%2,773
Core capital (leverage) ratio11.0314%2,418
Tier 1 risk-based capital ratio12.0310%4,774
Total risk-based capital ratio13.2879%4,668
Memoranda:
Average total assets$341,007,5001,945
Average earning assets$316,170,5001,943
Average equity$38,241,2501,925
Average total loans$282,893,2501,603
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0125%125
Cost of funding earning assets0.6531%1,040
Net interest margin5.3594%139
Noninterest income to average assets0.6707%2,274
Noninterest expense to average assets3.3457%1,495
Loan and lease loss provision to assets0.6035%183
Net operating income to assets1.2205%1,531
Return on assets (ROA)1.2205%1,628
Pretax return on assets1.6979%1,095
Return on Equity (ROE)10.8870%1,690
Retained earnings to average equity (ytd only)4.0531%3,325
Net charge-offs to loans0.6458%319
Credit loss provision to net charge-offs114.0312%1,926
Earnings coverage of net charge-offs (x)4.3486%2,996
Efficiency ratio58.7351%4,803
Assets per employee ($millions)4.9499%2,357
Cash dividends to net income (ytd only)*62.7716%1,424
Condition Ratios (%)
Loss allowance to loans1.8954%905
Loan loss allowance to noncurrent loans161.5880%2,718
Noncurrent assets plus other real estate owned to assets1.0161%2,111
Noncurrent loans to loans1.1730%1,958
Net loans and leases to total assets84.8070%354
Net loans and leases to deposits99.8723%704
Net loans and leases to core deposits118.0946%566
Total domestic deposits to total assets84.9154%2,918
Equity capital to assets11.4277%2,619
Core capital (leverage) ratio10.9844%2,443
Tier 1 risk-based capital ratio12.2904%4,651
Total risk-based capital ratio13.5475%4,570
Memoranda:
Average total assets$339,358,3301,964
Average earning assets$315,111,0001,962
Average equity$38,045,3301,939
Average total loans$278,117,3301,628
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.8588%147
Cost of funding earning assets0.6400%1,104
Net interest margin5.2188%170
Noninterest income to average assets0.5834%2,623
Noninterest expense to average assets3.3069%1,583
Loan and lease loss provision to assets0.5611%205
Net operating income to assets1.2068%1,530
Return on assets (ROA)1.2068%1,634
Pretax return on assets1.5684%1,384
Return on Equity (ROE)10.8681%1,640
Retained earnings to average equity (ytd only)3.9962%3,492
Net charge-offs to loans0.9864%192
Credit loss provision to net charge-offs71.3433%1,897
Earnings coverage of net charge-offs (x)2.7075%2,645
Efficiency ratio60.2894%4,707
Assets per employee ($millions)4.6791%2,780
Cash dividends to net income (ytd only)*63.2296%1,359
Condition Ratios (%)
Loss allowance to loans1.8967%975
Loan loss allowance to noncurrent loans236.6576%1,965
Noncurrent assets plus other real estate owned to assets0.6450%3,120
Noncurrent loans to loans0.8014%2,832
Net loans and leases to total assets78.6980%994
Net loans and leases to deposits92.1577%1,329
Net loans and leases to core deposits109.5515%872
Total domestic deposits to total assets85.3950%2,957
Equity capital to assets11.1408%2,783
Core capital (leverage) ratio10.8671%2,551
Tier 1 risk-based capital ratio12.7179%4,450
Total risk-based capital ratio13.9747%4,354
Memoranda:
Average total assets$340,740,0001,963
Average earning assets$316,855,5001,955
Average equity$37,835,5001,942
Average total loans$271,690,5001,658
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0454%122
Cost of funding earning assets0.5995%1,358
Net interest margin5.4459%137
Noninterest income to average assets0.7153%2,124
Noninterest expense to average assets3.2932%1,734
Loan and lease loss provision to assets0.3305%480
Net operating income to assets1.4669%922
Return on assets (ROA)1.4669%951
Pretax return on assets2.1553%382
Return on Equity (ROE)13.5181%948
Retained earnings to average equity (ytd only)7.4426%1,115
Net charge-offs to loans0.2918%1,044
Credit loss provision to net charge-offs141.2292%1,862
Earnings coverage of net charge-offs (x)10.6210%2,668
Efficiency ratio56.4717%5,302
Assets per employee ($millions)4.4724%3,086
Cash dividends to net income (ytd only)*44.9438%2,594
Condition Ratios (%)
Loss allowance to loans2.0006%800
Loan loss allowance to noncurrent loans208.8760%2,188
Noncurrent assets plus other real estate owned to assets0.7611%2,785
Noncurrent loans to loans0.9578%2,413
Net loans and leases to total assets77.6635%1,171
Net loans and leases to deposits90.8307%1,527
Net loans and leases to core deposits107.4233%1,007
Total domestic deposits to total assets85.5036%2,858
Equity capital to assets11.0669%2,756
Core capital (leverage) ratio10.7496%2,661
Tier 1 risk-based capital ratio12.6732%4,522
Total risk-based capital ratio13.9308%4,423
Memoranda:
Average total assets$333,690,0001,973
Average earning assets$310,267,4001,956
Average equity$36,210,6001,968
Average total loans$267,622,2001,632
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0585%128
Cost of funding earning assets0.5923%1,457
Net interest margin5.4662%134
Noninterest income to average assets0.7539%2,007
Noninterest expense to average assets3.3271%1,629
Loan and lease loss provision to assets0.3488%384
Net operating income to assets1.4708%968
Return on assets (ROA)1.4708%1,005
Pretax return on assets2.1573%455
Return on Equity (ROE)13.6234%975
Retained earnings to average equity (ytd only)7.4884%1,449
Net charge-offs to loans0.2545%1,033
Credit loss provision to net charge-offs170.3922%1,529
Earnings coverage of net charge-offs (x)12.2412%2,423
Efficiency ratio56.5274%5,281
Assets per employee ($millions)4.4216%3,138
Cash dividends to net income (ytd only)*45.0329%2,089
Condition Ratios (%)
Loss allowance to loans1.9945%916
Loan loss allowance to noncurrent loans309.7032%1,573
Noncurrent assets plus other real estate owned to assets0.5196%3,760
Noncurrent loans to loans0.6440%3,389
Net loans and leases to total assets78.3122%1,051
Net loans and leases to deposits91.7865%1,433
Net loans and leases to core deposits110.1124%869
Total domestic deposits to total assets85.3200%2,874
Equity capital to assets10.8552%3,188
Core capital (leverage) ratio10.5297%3,011
Tier 1 risk-based capital ratio12.3628%4,846
Total risk-based capital ratio13.6206%4,747
Memoranda:
Average total assets$332,136,0001,992
Average earning assets$308,630,0001,982
Average equity$35,859,0001,999
Average total loans$267,184,7501,644
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0384%127
Cost of funding earning assets0.5862%1,513
Net interest margin5.4521%130
Noninterest income to average assets0.7463%2,010
Noninterest expense to average assets3.3605%1,552
Loan and lease loss provision to assets0.3862%320
Net operating income to assets1.4155%1,056
Return on assets (ROA)1.4155%1,091
Pretax return on assets2.0598%531
Return on Equity (ROE)13.1351%1,087
Retained earnings to average equity (ytd only)6.9366%1,725
Net charge-offs to loans0.2824%930
Credit loss provision to net charge-offs169.6000%1,412
Earnings coverage of net charge-offs (x)10.7413%2,343
Efficiency ratio57.3625%5,300
Assets per employee ($millions)4.3343%3,239
Cash dividends to net income (ytd only)*47.1900%2,054
Condition Ratios (%)
Loss allowance to loans2.0160%962
Loan loss allowance to noncurrent loans434.2298%1,173
Noncurrent assets plus other real estate owned to assets0.4502%4,129
Noncurrent loans to loans0.4643%4,091
Net loans and leases to total assets76.5966%1,291
Net loans and leases to deposits90.6318%1,520
Net loans and leases to core deposits109.1850%883
Total domestic deposits to total assets84.5141%3,338
Equity capital to assets10.6902%3,226
Core capital (leverage) ratio10.6715%2,767
Tier 1 risk-based capital ratio12.4649%4,833
Total risk-based capital ratio13.7230%4,740
Memoranda:
Average total assets$329,360,0002,016
Average earning assets$305,677,6702,013
Average equity$35,492,6702,025
Average total loans$265,562,6701,656
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0394%123
Cost of funding earning assets0.5860%1,532
Net interest margin5.4534%127
Noninterest income to average assets0.6400%2,448
Noninterest expense to average assets3.4277%1,439
Loan and lease loss provision to assets0.3914%306
Net operating income to assets1.3169%1,223
Return on assets (ROA)1.3169%1,308
Pretax return on assets1.8720%753
Return on Equity (ROE)12.1700%1,299
Retained earnings to average equity (ytd only)5.9144%2,546
Net charge-offs to loans0.3471%702
Credit loss provision to net charge-offs137.6623%1,325
Earnings coverage of net charge-offs (x)7.9610%2,122
Efficiency ratio59.6886%5,133
Assets per employee ($millions)4.2989%3,370
Cash dividends to net income (ytd only)*51.4019%1,683
Condition Ratios (%)
Loss allowance to loans1.9328%1,221
Loan loss allowance to noncurrent loans364.7558%1,329
Noncurrent assets plus other real estate owned to assets0.5105%3,985
Noncurrent loans to loans0.5299%3,983
Net loans and leases to total assets80.0419%680
Net loans and leases to deposits95.1901%891
Net loans and leases to core deposits117.8593%459
Total domestic deposits to total assets84.0863%3,790
Equity capital to assets10.8460%3,144
Core capital (leverage) ratio10.7324%2,714
Tier 1 risk-based capital ratio12.1683%5,134
Total risk-based capital ratio13.4254%5,036
Memoranda:
Average total assets$325,002,5002,052
Average earning assets$301,021,0002,048
Average equity$35,168,5002,056
Average total loans$266,203,0001,647
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5227%90
Cost of funding earning assets0.6396%1,479
Net interest margin5.8830%90
Noninterest income to average assets0.6959%2,321
Noninterest expense to average assets3.2973%1,938
Loan and lease loss provision to assets0.3476%555
Net operating income to assets1.6842%592
Return on assets (ROA)1.6842%618
Pretax return on assets2.4911%191
Return on Equity (ROE)15.3276%722
Retained earnings to average equity (ytd only)3.2609%3,908
Net charge-offs to loans0.2574%1,673
Credit loss provision to net charge-offs158.0882%1,528
Earnings coverage of net charge-offs (x)12.9088%2,325
Efficiency ratio53.4099%5,889
Assets per employee ($millions)4.4901%3,058
Cash dividends to net income (ytd only)*78.7250%951
Condition Ratios (%)
Loss allowance to loans1.9068%1,298
Loan loss allowance to noncurrent loans308.2117%1,596
Noncurrent assets plus other real estate owned to assets0.6524%3,611
Noncurrent loans to loans0.6186%3,828
Net loans and leases to total assets80.6323%655
Net loans and leases to deposits95.9009%905
Net loans and leases to core deposits109.6984%792
Total domestic deposits to total assets84.0788%3,680
Equity capital to assets10.7957%3,122
Core capital (leverage) ratio10.4530%3,000
Tier 1 risk-based capital ratio12.5568%5,004
Total risk-based capital ratio13.8148%4,911
Memoranda:
Average total assets$309,219,6002,103
Average earning assets$285,940,6002,087
Average equity$33,978,0002,053
Average total loans$264,226,4001,607
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5012%89
Cost of funding earning assets0.6454%1,487
Net interest margin5.8558%91
Noninterest income to average assets0.6730%2,463
Noninterest expense to average assets3.3112%1,879
Loan and lease loss provision to assets0.3816%453
Net operating income to assets1.6203%715
Return on assets (ROA)1.6203%744
Pretax return on assets2.3935%257
Return on Equity (ROE)14.6774%882
Retained earnings to average equity (ytd only)0.0593%5,779
Net charge-offs to loans0.1774%2,032
Credit loss provision to net charge-offs249.2877%1,057
Earnings coverage of net charge-offs (x)18.1281%1,860
Efficiency ratio54.1383%5,808
Assets per employee ($millions)4.4901%2,988
Cash dividends to net income (ytd only)*99.5962%371
Condition Ratios (%)
Loss allowance to loans1.9252%1,398
Loan loss allowance to noncurrent loans312.2596%1,473
Noncurrent assets plus other real estate owned to assets0.7582%3,540
Noncurrent loans to loans0.6166%4,076
Net loans and leases to total assets83.0286%402
Net loans and leases to deposits98.8217%684
Net loans and leases to core deposits114.7398%560
Total domestic deposits to total assets84.0186%3,756
Equity capital to assets10.6065%3,426
Core capital (leverage) ratio10.5475%2,985
Tier 1 risk-based capital ratio11.9558%5,517
Total risk-based capital ratio13.2141%5,426
Memoranda:
Average total assets$305,703,0002,137
Average earning assets$282,605,7502,124
Average equity$33,747,2502,067
Average total loans$263,848,0001,614
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.5493%90
Cost of funding earning assets0.6572%1,454
Net interest margin5.8921%90
Noninterest income to average assets0.6438%2,581
Noninterest expense to average assets3.3185%1,874
Loan and lease loss provision to assets0.3611%483
Net operating income to assets1.6241%668
Return on assets (ROA)1.6241%698
Pretax return on assets2.4026%255
Return on Equity (ROE)14.5113%873
Retained earnings to average equity (ytd only)-5.0585%6,239
Net charge-offs to loans0.1673%2,054
Credit loss provision to net charge-offs248.4018%1,001
Earnings coverage of net charge-offs (x)19.0137%1,647
Efficiency ratio54.3213%5,885
Assets per employee ($millions)4.3888%3,104
Cash dividends to net income (ytd only)*134.8590%277
Condition Ratios (%)
Loss allowance to loans1.8598%1,679
Loan loss allowance to noncurrent loans321.3505%1,425
Noncurrent assets plus other real estate owned to assets0.8366%3,468
Noncurrent loans to loans0.5787%4,286
Net loans and leases to total assets85.8326%186
Net loans and leases to deposits105.5837%316
Net loans and leases to core deposits122.1721%334
Total domestic deposits to total assets81.2934%4,877
Equity capital to assets10.7238%3,171
Core capital (leverage) ratio10.5586%2,880
Tier 1 risk-based capital ratio11.7490%5,668
Total risk-based capital ratio13.0068%5,601
Memoranda:
Average total assets$301,338,6702,166
Average earning assets$278,136,6702,154
Average equity$33,725,3302,058
Average total loans$261,834,6701,624
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.4873%92
Cost of funding earning assets0.6646%1,478
Net interest margin5.8227%93
Noninterest income to average assets0.6743%2,326
Noninterest expense to average assets3.3472%1,834
Loan and lease loss provision to assets0.3646%473
Net operating income to assets1.5737%701
Return on assets (ROA)1.5737%728
Pretax return on assets2.3297%295
Return on Equity (ROE)13.7650%985
Retained earnings to average equity (ytd only)9.0751%1,221
Net charge-offs to loans0.1130%2,047
Credit loss provision to net charge-offs372.6027%687
Earnings coverage of net charge-offs (x)27.5342%1,104
Efficiency ratio55.1586%5,911
Assets per employee ($millions)4.2885%3,362
Cash dividends to net income (ytd only)*34.0716%2,181
Condition Ratios (%)
Loss allowance to loans1.8587%1,874
Loan loss allowance to noncurrent loans288.9087%1,534
Noncurrent assets plus other real estate owned to assets0.9127%3,446
Noncurrent loans to loans0.6434%4,252
Net loans and leases to total assets85.6739%155
Net loans and leases to deposits106.2120%233
Net loans and leases to core deposits121.5203%295
Total domestic deposits to total assets80.6632%5,331
Equity capital to assets11.5026%2,243
Core capital (leverage) ratio11.3798%2,067
Tier 1 risk-based capital ratio12.6686%5,209
Total risk-based capital ratio13.9255%5,139
Memoranda:
Average total assets$298,401,5002,185
Average earning assets$275,060,5002,186
Average equity$34,115,5002,027
Average total loans$258,409,0001,645
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9037%65
Cost of funding earning assets0.7413%1,558
Net interest margin6.1624%71
Noninterest income to average assets0.7371%2,349
Noninterest expense to average assets3.2864%2,175
Loan and lease loss provision to assets0.4417%664
Net operating income to assets1.8279%460
Return on assets (ROA)1.8279%465
Pretax return on assets2.7292%159
Return on Equity (ROE)16.4154%574
Retained earnings to average equity (ytd only)12.2879%287
Net charge-offs to loans0.2846%2,269
Credit loss provision to net charge-offs179.2185%1,279
Earnings coverage of net charge-offs (x)12.8668%2,090
Efficiency ratio50.6033%6,376
Assets per employee ($millions)4.2791%3,303
Cash dividends to net income (ytd only)*25.1437%3,501
Condition Ratios (%)
Loss allowance to loans1.8301%1,974
Loan loss allowance to noncurrent loans435.7224%1,078
Noncurrent assets plus other real estate owned to assets0.5218%4,682
Noncurrent loans to loans0.4200%4,944
Net loans and leases to total assets87.2956%108
Net loans and leases to deposits110.7863%163
Net loans and leases to core deposits126.6768%231
Total domestic deposits to total assets78.7964%5,689
Equity capital to assets11.4692%2,190
Core capital (leverage) ratio11.2391%2,164
Tier 1 risk-based capital ratio12.0248%5,599
Total risk-based capital ratio13.2812%5,532
Memoranda:
Average total assets$228,459,4002,732
Average earning assets$212,059,6002,697
Average equity$25,439,6002,592
Average total loans$197,791,8002,021
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8784%66
Cost of funding earning assets0.7570%1,558
Net interest margin6.1214%72
Noninterest income to average assets0.7527%2,358
Noninterest expense to average assets3.2807%2,116
Loan and lease loss provision to assets0.5933%413
Net operating income to assets1.7118%617
Return on assets (ROA)1.7118%645
Pretax return on assets2.5609%231
Return on Equity (ROE)15.4932%714
Retained earnings to average equity (ytd only)11.7676%457
Net charge-offs to loans0.2374%2,380
Credit loss provision to net charge-offs290.7781%876
Earnings coverage of net charge-offs (x)15.4580%1,862
Efficiency ratio50.6808%6,355
Assets per employee ($millions)4.2521%3,327
Cash dividends to net income (ytd only)*24.0467%2,934
Condition Ratios (%)
Loss allowance to loans1.9822%1,765
Loan loss allowance to noncurrent loans504.4888%875
Noncurrent assets plus other real estate owned to assets0.4652%5,036
Noncurrent loans to loans0.3929%5,216
Net loans and leases to total assets85.5489%166
Net loans and leases to deposits106.5727%225
Net loans and leases to core deposits123.2772%272
Total domestic deposits to total assets80.2728%5,436
Equity capital to assets11.1599%2,609
Core capital (leverage) ratio11.0382%2,441
Tier 1 risk-based capital ratio11.6961%5,947
Total risk-based capital ratio12.9542%5,906
Memoranda:
Average total assets$226,736,2502,774
Average earning assets$210,469,7502,734
Average equity$25,051,2502,651
Average total loans$194,919,2502,050
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8408%68
Cost of funding earning assets0.7710%1,579
Net interest margin6.0698%75
Noninterest income to average assets0.7666%2,345
Noninterest expense to average assets3.2911%2,095
Loan and lease loss provision to assets0.6721%354
Net operating income to assets1.6268%711
Return on assets (ROA)1.6268%778
Pretax return on assets2.4318%299
Return on Equity (ROE)14.7761%852
Retained earnings to average equity (ytd only)11.9424%503
Net charge-offs to loans0.3357%1,846
Credit loss provision to net charge-offs234.1615%1,059
Earnings coverage of net charge-offs (x)10.8137%2,121
Efficiency ratio51.1570%6,341
Assets per employee ($millions)4.0103%3,777
Cash dividends to net income (ytd only)*19.1781%3,028
Condition Ratios (%)
Loss allowance to loans1.9153%2,075
Loan loss allowance to noncurrent loans567.8571%771
Noncurrent assets plus other real estate owned to assets0.4092%5,254
Noncurrent loans to loans0.3373%5,451
Net loans and leases to total assets87.0182%117
Net loans and leases to deposits108.9928%163
Net loans and leases to core deposits125.3605%233
Total domestic deposits to total assets79.8385%5,646
Equity capital to assets11.2928%2,475
Core capital (leverage) ratio10.8738%2,477
Tier 1 risk-based capital ratio11.7309%5,970
Total risk-based capital ratio12.9885%5,922
Memoranda:
Average total assets$224,360,0002,797
Average earning assets$208,045,6702,770
Average equity$24,702,0002,696
Average total loans$191,854,0002,083
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6681%80
Cost of funding earning assets0.7885%1,592
Net interest margin5.8797%88
Noninterest income to average assets0.7902%2,162
Noninterest expense to average assets3.2321%2,261
Loan and lease loss provision to assets0.6279%396
Net operating income to assets1.5750%741
Return on assets (ROA)1.5750%803
Pretax return on assets2.3705%318
Return on Equity (ROE)14.4917%864
Retained earnings to average equity (ytd only)14.4917%398
Net charge-offs to loans0.3763%1,514
Credit loss provision to net charge-offs198.8701%1,101
Earnings coverage of net charge-offs (x)9.4972%1,830
Efficiency ratio51.5603%6,405
Assets per employee ($millions)4.1283%3,682
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.8937%2,321
Loan loss allowance to noncurrent loans594.1569%745
Noncurrent assets plus other real estate owned to assets0.3902%5,418
Noncurrent loans to loans0.3187%5,603
Net loans and leases to total assets81.2036%333
Net loans and leases to deposits100.8026%322
Net loans and leases to core deposits114.9465%372
Total domestic deposits to total assets80.5570%5,612
Equity capital to assets10.9284%3,045
Core capital (leverage) ratio10.6732%2,571
Tier 1 risk-based capital ratio12.1457%5,823
Total risk-based capital ratio13.4027%5,778
Memoranda:
Average total assets$224,252,0002,831
Average earning assets$207,494,5002,817
Average equity$24,372,5002,767
Average total loans$188,162,0002,132
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9899%77
Cost of funding earning assets0.9636%1,564
Net interest margin6.0263%85
Noninterest income to average assets0.8605%1,993
Noninterest expense to average assets3.2984%2,340
Loan and lease loss provision to assets0.5369%1,076
Net operating income to assets1.6969%621
Return on assets (ROA)1.6969%701
Pretax return on assets2.5752%233
Return on Equity (ROE)15.3538%753
Retained earnings to average equity (ytd only)9.4719%703
Net charge-offs to loans0.4303%2,515
Credit loss provision to net charge-offs144.8052%1,890
Earnings coverage of net charge-offs (x)8.3935%2,421
Efficiency ratio51.1305%6,517
Assets per employee ($millions)4.2586%3,447
Cash dividends to net income (ytd only)*38.3087%2,951
Condition Ratios (%)
Loss allowance to loans1.7963%2,594
Loan loss allowance to noncurrent loans361.1526%1,094
Noncurrent assets plus other real estate owned to assets0.4985%5,228
Noncurrent loans to loans0.4974%5,290
Net loans and leases to total assets83.5426%244
Net loans and leases to deposits103.8083%269
Net loans and leases to core deposits118.0267%317
Total domestic deposits to total assets80.4778%5,551
Equity capital to assets10.8067%3,166
Core capital (leverage) ratio10.9868%2,267
Tier 1 risk-based capital ratio11.7215%5,943
Total risk-based capital ratio12.9779%5,912
Memoranda:
Average total assets$207,675,2002,952
Average earning assets$191,261,4002,936
Average equity$22,952,0002,854
Average total loans$178,928,6002,218
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0231%79
Cost of funding earning assets1.0236%1,429
Net interest margin5.9995%89
Noninterest income to average assets0.9185%1,768
Noninterest expense to average assets3.2942%2,291
Loan and lease loss provision to assets0.5281%1,128
Net operating income to assets1.7294%651
Return on assets (ROA)1.7294%716
Pretax return on assets2.6250%244
Return on Equity (ROE)15.5541%811
Retained earnings to average equity (ytd only)11.1504%660
Net charge-offs to loans0.5399%1,986
Credit loss provision to net charge-offs113.1469%2,581
Earnings coverage of net charge-offs (x)6.7552%2,722
Efficiency ratio50.7594%6,531
Assets per employee ($millions)3.9705%3,930
Cash dividends to net income (ytd only)*28.3127%2,712
Condition Ratios (%)
Loss allowance to loans1.7464%2,977
Loan loss allowance to noncurrent loans339.4366%1,103
Noncurrent assets plus other real estate owned to assets0.5991%5,179
Noncurrent loans to loans0.5145%5,412
Net loans and leases to total assets85.3732%169
Net loans and leases to deposits106.2535%230
Net loans and leases to core deposits121.9413%278
Total domestic deposits to total assets80.3486%5,564
Equity capital to assets11.4558%2,797
Core capital (leverage) ratio11.0469%2,333
Tier 1 risk-based capital ratio12.3551%5,731
Total risk-based capital ratio13.6112%5,702
Memoranda:
Average total assets$204,232,7503,027
Average earning assets$188,211,7503,013
Average equity$22,707,2502,908
Average total loans$176,564,5002,277
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.9377%84
Cost of funding earning assets1.0552%1,435
Net interest margin5.8825%103
Noninterest income to average assets0.9052%1,767
Noninterest expense to average assets3.2591%2,414
Loan and lease loss provision to assets0.4944%1,287
Net operating income to assets1.6974%675
Return on assets (ROA)1.6974%759
Pretax return on assets2.5761%274
Return on Equity (ROE)15.4249%862
Retained earnings to average equity (ytd only)10.9591%755
Net charge-offs to loans0.4669%2,199
Credit loss provision to net charge-offs122.6829%2,237
Earnings coverage of net charge-offs (x)7.6195%2,448
Efficiency ratio51.1491%6,569
Assets per employee ($millions)4.2410%3,379
Cash dividends to net income (ytd only)*28.9519%2,669
Condition Ratios (%)
Loss allowance to loans1.7798%2,925
Loan loss allowance to noncurrent loans343.0449%1,048
Noncurrent assets plus other real estate owned to assets0.5556%5,369
Noncurrent loans to loans0.5188%5,489
Net loans and leases to total assets84.9035%182
Net loans and leases to deposits105.2908%245
Net loans and leases to core deposits120.2694%309
Total domestic deposits to total assets80.6371%5,579
Equity capital to assets11.2811%2,815
Core capital (leverage) ratio10.7734%2,513
Tier 1 risk-based capital ratio12.4008%5,644
Total risk-based capital ratio13.6572%5,622
Memoranda:
Average total assets$203,489,0003,049
Average earning assets$187,642,0003,023
Average equity$22,392,3302,937
Average total loans$175,620,0002,286
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8598%103
Cost of funding earning assets1.0796%1,502
Net interest margin5.7801%124
Noninterest income to average assets0.7334%2,476
Noninterest expense to average assets3.1831%2,659
Loan and lease loss provision to assets0.4601%1,340
Net operating income to assets1.5886%876
Return on assets (ROA)1.5886%984
Pretax return on assets2.4163%378
Return on Equity (ROE)14.6205%1,056
Retained earnings to average equity (ytd only)10.0968%1,248
Net charge-offs to loans0.5609%1,685
Credit loss provision to net charge-offs95.1220%2,456
Earnings coverage of net charge-offs (x)5.9472%2,271
Efficiency ratio52.1739%6,531
Assets per employee ($millions)3.8073%4,409
Cash dividends to net income (ytd only)*30.9406%2,062
Condition Ratios (%)
Loss allowance to loans1.7221%3,259
Loan loss allowance to noncurrent loans175.3766%1,875
Noncurrent assets plus other real estate owned to assets0.9626%4,583
Noncurrent loans to loans0.9819%4,707
Net loans and leases to total assets84.0247%183
Net loans and leases to deposits103.1067%281
Net loans and leases to core deposits116.4510%374
Total domestic deposits to total assets81.4930%5,466
Equity capital to assets10.8890%3,041
Core capital (leverage) ratio10.5396%2,705
Tier 1 risk-based capital ratio12.1696%5,851
Total risk-based capital ratio13.4257%5,820
Memoranda:
Average total assets$203,448,5003,067
Average earning assets$187,469,5003,045
Average equity$22,106,0002,969
Average total loans$175,445,0002,303
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0531%88
Cost of funding earning assets1.2522%1,724
Net interest margin5.8009%113
Noninterest income to average assets0.5944%3,194
Noninterest expense to average assets3.3580%2,346
Loan and lease loss provision to assets0.5461%1,913
Net operating income to assets1.3538%1,134
Return on assets (ROA)1.3538%1,220
Pretax return on assets2.0047%531
Return on Equity (ROE)12.9110%1,187
Retained earnings to average equity (ytd only)10.9695%408
Net charge-offs to loans0.3854%3,483
Credit loss provision to net charge-offs165.8423%1,634
Earnings coverage of net charge-offs (x)7.7465%2,273
Efficiency ratio56.2360%6,285
Assets per employee ($millions)3.7279%4,489
Cash dividends to net income (ytd only)*15.0376%3,720
Condition Ratios (%)
Loss allowance to loans1.7354%3,073
Loan loss allowance to noncurrent loans196.1911%1,687
Noncurrent assets plus other real estate owned to assets0.8529%4,917
Noncurrent loans to loans0.8846%4,922
Net loans and leases to total assets85.4802%148
Net loans and leases to deposits105.0442%276
Net loans and leases to core deposits118.3621%390
Total domestic deposits to total assets81.3755%5,335
Equity capital to assets10.8418%3,144
Core capital (leverage) ratio10.3578%2,899
Tier 1 risk-based capital ratio11.9698%5,859
Total risk-based capital ratio13.2268%5,828
Memoranda:
Average total assets$196,485,8003,094
Average earning assets$180,007,0003,089
Average equity$20,602,6003,053
Average total loans$167,875,6002,391
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0713%90
Cost of funding earning assets1.2921%1,749
Net interest margin5.7792%121
Noninterest income to average assets0.5046%3,839
Noninterest expense to average assets3.4336%2,109
Loan and lease loss provision to assets0.5011%1,977
Net operating income to assets1.2440%1,535
Return on assets (ROA)1.2440%1,637
Pretax return on assets1.8592%846
Return on Equity (ROE)11.9686%1,562
Retained earnings to average equity (ytd only)9.3410%1,028
Net charge-offs to loans0.3966%3,127
Credit loss provision to net charge-offs148.5830%2,116
Earnings coverage of net charge-offs (x)6.9980%2,439
Efficiency ratio58.5788%5,920
Assets per employee ($millions)3.6331%4,673
Cash dividends to net income (ytd only)*21.9539%2,846
Condition Ratios (%)
Loss allowance to loans1.6859%3,316
Loan loss allowance to noncurrent loans216.6287%1,448
Noncurrent assets plus other real estate owned to assets0.7483%5,288
Noncurrent loans to loans0.7782%5,318
Net loans and leases to total assets84.8035%175
Net loans and leases to deposits103.2622%342
Net loans and leases to core deposits116.9118%473
Total domestic deposits to total assets82.1245%5,045
Equity capital to assets10.7009%3,467
Core capital (leverage) ratio10.1222%3,283
Tier 1 risk-based capital ratio11.8039%6,036
Total risk-based capital ratio13.0472%6,030
Memoranda:
Average total assets$195,281,0003,128
Average earning assets$178,728,2503,131
Average equity$20,297,0003,102
Average total loans$166,065,7502,430
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0051%104
Cost of funding earning assets1.3256%1,795
Net interest margin5.6795%133
Noninterest income to average assets0.4975%3,875
Noninterest expense to average assets3.4763%2,050
Loan and lease loss provision to assets0.4934%1,994
Net operating income to assets1.1468%1,734
Return on assets (ROA)1.1468%1,809
Pretax return on assets1.7181%1,015
Return on Equity (ROE)11.1440%1,747
Retained earnings to average equity (ytd only)11.1440%642
Net charge-offs to loans0.4157%2,892
Credit loss provision to net charge-offs140.2332%2,169
Earnings coverage of net charge-offs (x)6.2857%2,427
Efficiency ratio60.2525%5,834
Assets per employee ($millions)3.5541%4,801
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.6477%3,507
Loan loss allowance to noncurrent loans185.3774%1,632
Noncurrent assets plus other real estate owned to assets1.1760%4,533
Noncurrent loans to loans0.8888%5,193
Net loans and leases to total assets85.5607%157
Net loans and leases to deposits106.9146%239
Net loans and leases to core deposits118.4983%458
Total domestic deposits to total assets80.0272%5,818
Equity capital to assets10.7659%3,210
Core capital (leverage) ratio10.0516%3,201
Tier 1 risk-based capital ratio11.6497%6,052
Total risk-based capital ratio12.9047%6,043
Memoranda:
Average total assets$194,978,0003,153
Average earning assets$178,183,3303,157
Average equity$20,064,6703,115
Average total loans$165,011,3302,469
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.8077%135
Cost of funding earning assets1.3736%1,752
Net interest margin5.4341%180
Noninterest income to average assets0.5109%3,790
Noninterest expense to average assets3.4686%2,088
Loan and lease loss provision to assets0.4906%1,789
Net operating income to assets1.0137%2,144
Return on assets (ROA)1.0137%2,191
Pretax return on assets1.5124%1,410
Return on Equity (ROE)10.0779%2,069
Retained earnings to average equity (ytd only)10.0779%1,104
Net charge-offs to loans0.3706%2,584
Credit loss provision to net charge-offs158.5526%1,810
Earnings coverage of net charge-offs (x)6.4737%2,098
Efficiency ratio62.0164%5,676
Assets per employee ($millions)3.5854%4,787
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.6432%3,560
Loan loss allowance to noncurrent loans167.8261%1,746
Noncurrent assets plus other real estate owned to assets1.2308%4,494
Noncurrent loans to loans0.9791%5,089
Net loans and leases to total assets83.5374%250
Net loans and leases to deposits101.6159%397
Net loans and leases to core deposits112.0273%658
Total domestic deposits to total assets82.2090%5,223
Equity capital to assets10.3280%3,372
Core capital (leverage) ratio9.7121%3,504
Tier 1 risk-based capital ratio11.3959%6,178
Total risk-based capital ratio12.6509%6,164
Memoranda:
Average total assets$196,506,5003,163
Average earning assets$179,385,0003,154
Average equity$19,766,0003,150
Average total loans$164,037,0002,506
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0853%134
Cost of funding earning assets1.9125%806
Net interest margin5.1728%302
Noninterest income to average assets0.3760%5,088
Noninterest expense to average assets3.2949%2,753
Loan and lease loss provision to assets1.2063%1,294
Net operating income to assets0.3864%4,608
Return on assets (ROA)0.3864%4,751
Pretax return on assets0.5741%4,407
Return on Equity (ROE)4.0595%4,493
Retained earnings to average equity (ytd only)4.0595%3,018
Net charge-offs to loans1.2736%1,766
Credit loss provision to net charge-offs111.1323%3,952
Earnings coverage of net charge-offs (x)1.6402%4,507
Efficiency ratio63.4171%5,440
Assets per employee ($millions)3.6255%4,640
Cash dividends to net income (ytd only)*0.0000%3,950
Condition Ratios (%)
Loss allowance to loans1.5968%3,587
Loan loss allowance to noncurrent loans142.3978%2,090
Noncurrent assets plus other real estate owned to assets1.3179%4,391
Noncurrent loans to loans1.1214%4,866
Net loans and leases to total assets80.7521%570
Net loans and leases to deposits97.4822%753
Net loans and leases to core deposits105.0598%1,250
Total domestic deposits to total assets82.8379%4,867
Equity capital to assets9.7972%4,004
Core capital (leverage) ratio9.3758%3,889
Tier 1 risk-based capital ratio10.9953%6,329
Total risk-based capital ratio12.2444%6,305
Memoranda:
Average total assets$192,815,0003,188
Average earning assets$175,164,6003,186
Average equity$18,352,0003,376
Average total loans$164,337,8002,560
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1082%129
Cost of funding earning assets2.0208%707
Net interest margin5.0874%367
Noninterest income to average assets0.3620%5,264
Noninterest expense to average assets3.4112%2,259
Loan and lease loss provision to assets1.3935%965
Net operating income to assets0.1297%5,690
Return on assets (ROA)0.1297%5,855
Pretax return on assets0.1716%5,793
Return on Equity (ROE)1.3734%5,800
Retained earnings to average equity (ytd only)1.3734%5,258
Net charge-offs to loans1.5512%1,288
Credit loss provision to net charge-offs104.3887%4,111
Earnings coverage of net charge-offs (x)1.1724%4,891
Efficiency ratio67.0077%4,650
Assets per employee ($millions)3.4862%5,016
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.4918%4,002
Loan loss allowance to noncurrent loans81.5624%3,325
Noncurrent assets plus other real estate owned to assets1.9536%3,532
Noncurrent loans to loans1.8290%3,898
Net loans and leases to total assets83.3420%377
Net loans and leases to deposits100.5519%618
Net loans and leases to core deposits109.9149%1,036
Total domestic deposits to total assets82.8845%4,637
Equity capital to assets9.7369%4,487
Core capital (leverage) ratio9.1545%4,451
Tier 1 risk-based capital ratio10.5740%6,729
Total risk-based capital ratio11.8270%6,706
Memoranda:
Average total assets$191,167,7503,263
Average earning assets$173,392,5003,262
Average equity$18,056,0003,462
Average total loans$164,513,2502,596
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1718%126
Cost of funding earning assets2.0883%687
Net interest margin5.0835%356
Noninterest income to average assets0.4299%4,678
Noninterest expense to average assets3.4823%2,069
Loan and lease loss provision to assets1.9166%644
Net operating income to assets-0.2202%6,380
Return on assets (ROA)-0.2202%6,425
Pretax return on assets-0.3625%6,481
Return on Equity (ROE)-2.3565%6,451
Retained earnings to average equity (ytd only)-2.3565%6,200
Net charge-offs to loans1.6361%1,158
Credit loss provision to net charge-offs135.3423%2,960
Earnings coverage of net charge-offs (x)1.0975%4,695
Efficiency ratio67.5941%4,657
Assets per employee ($millions)3.4127%5,150
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.7450%2,919
Loan loss allowance to noncurrent loans74.5820%3,624
Noncurrent assets plus other real estate owned to assets2.1040%3,373
Noncurrent loans to loans2.3397%3,325
Net loans and leases to total assets84.1161%342
Net loans and leases to deposits102.7287%547
Net loans and leases to core deposits114.2130%909
Total domestic deposits to total assets81.8818%5,038
Equity capital to assets9.7425%4,351
Core capital (leverage) ratio9.0153%4,577
Tier 1 risk-based capital ratio10.4194%6,746
Total risk-based capital ratio11.6756%6,725
Memoranda:
Average total assets$189,814,6703,306
Average earning assets$172,007,0003,304
Average equity$17,738,3303,506
Average total loans$164,294,3302,631
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1520%132
Cost of funding earning assets2.1175%765
Net interest margin5.0344%389
Noninterest income to average assets0.3891%5,008
Noninterest expense to average assets3.4108%2,202
Loan and lease loss provision to assets3.2754%293
Net operating income to assets-1.1249%7,180
Return on assets (ROA)-1.1249%7,196
Pretax return on assets-1.7424%7,333
Return on Equity (ROE)-12.3020%7,228
Retained earnings to average equity (ytd only)-12.3020%7,087
Net charge-offs to loans2.3251%724
Credit loss provision to net charge-offs161.8600%2,234
Earnings coverage of net charge-offs (x)0.7576%4,353
Efficiency ratio67.4080%4,830
Assets per employee ($millions)3.4006%5,291
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.8024%2,722
Loan loss allowance to noncurrent loans59.2541%4,414
Noncurrent assets plus other real estate owned to assets3.0467%2,344
Noncurrent loans to loans3.0417%2,636
Net loans and leases to total assets85.0005%289
Net loans and leases to deposits102.8994%598
Net loans and leases to core deposits114.4048%1,021
Total domestic deposits to total assets82.6054%4,796
Equity capital to assets8.9412%5,366
Core capital (leverage) ratio8.2711%5,797
Tier 1 risk-based capital ratio9.3089%7,389
Total risk-based capital ratio10.5653%7,383
Memoranda:
Average total assets$189,166,0003,376
Average earning assets$171,142,0003,385
Average equity$17,298,0003,603
Average total loans$164,636,0002,692
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1581%222
Cost of funding earning assets2.4046%1,285
Net interest margin4.7535%759
Noninterest income to average assets0.4622%4,701
Noninterest expense to average assets3.4008%2,678
Loan and lease loss provision to assets1.2512%1,849
Net operating income to assets0.1377%5,087
Return on assets (ROA)0.1377%5,154
Pretax return on assets0.1467%5,115
Return on Equity (ROE)1.4699%5,099
Retained earnings to average equity (ytd only)1.4699%4,036
Net charge-offs to loans0.7514%2,945
Credit loss provision to net charge-offs190.1372%2,107
Earnings coverage of net charge-offs (x)2.1244%4,137
Efficiency ratio69.6578%4,704
Assets per employee ($millions)3.6843%4,552
Cash dividends to net income (ytd only)*0.0000%4,015
Condition Ratios (%)
Loss allowance to loans1.4468%3,998
Loan loss allowance to noncurrent loans47.4188%5,223
Noncurrent assets plus other real estate owned to assets3.1804%2,172
Noncurrent loans to loans3.0511%2,529
Net loans and leases to total assets86.2447%264
Net loans and leases to deposits105.1562%593
Net loans and leases to core deposits160.1694%341
Total domestic deposits to total assets82.0159%4,940
Equity capital to assets9.3502%4,633
Core capital (leverage) ratio8.5498%5,197
Tier 1 risk-based capital ratio9.6117%7,151
Total risk-based capital ratio10.8640%7,128
Memoranda:
Average total assets$177,193,8003,482
Average earning assets$161,649,6003,486
Average equity$16,599,8003,758
Average total loans$155,186,2002,843
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1319%250
Cost of funding earning assets2.4455%1,465
Net interest margin4.6864%853
Noninterest income to average assets0.4607%4,818
Noninterest expense to average assets3.3302%2,810
Loan and lease loss provision to assets1.0176%1,889
Net operating income to assets0.3125%4,751
Return on assets (ROA)0.3125%4,855
Pretax return on assets0.3996%4,802
Return on Equity (ROE)3.3338%4,647
Retained earnings to average equity (ytd only)3.3338%3,438
Net charge-offs to loans0.3462%3,908
Credit loss provision to net charge-offs335.5164%1,225
Earnings coverage of net charge-offs (x)4.6725%3,045
Efficiency ratio69.0859%4,765
Assets per employee ($millions)3.7760%4,240
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.3528%4,187
Loan loss allowance to noncurrent loans99.6039%2,784
Noncurrent assets plus other real estate owned to assets1.7860%3,678
Noncurrent loans to loans1.3582%4,658
Net loans and leases to total assets87.4063%239
Net loans and leases to deposits108.9512%502
Net loans and leases to core deposits167.2745%290
Total domestic deposits to total assets80.2251%5,358
Equity capital to assets9.3946%4,892
Core capital (leverage) ratio8.7526%5,046
Tier 1 risk-based capital ratio9.5441%7,337
Total risk-based capital ratio10.7955%7,298
Memoranda:
Average total assets$174,517,5003,543
Average earning assets$159,635,5003,558
Average equity$16,357,5003,840
Average total loans$152,874,7502,903
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.0190%307
Cost of funding earning assets2.4467%1,789
Net interest margin4.5723%1,012
Noninterest income to average assets0.4642%4,751
Noninterest expense to average assets3.2918%2,990
Loan and lease loss provision to assets0.3417%3,885
Net operating income to assets0.7422%3,082
Return on assets (ROA)0.7422%3,185
Pretax return on assets1.0250%2,906
Return on Equity (ROE)7.9257%2,803
Retained earnings to average equity (ytd only)7.9257%1,232
Net charge-offs to loans0.2242%4,093
Credit loss provision to net charge-offs174.6988%2,630
Earnings coverage of net charge-offs (x)6.9880%2,516
Efficiency ratio69.9292%4,797
Assets per employee ($millions)3.8840%3,905
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans0.8994%6,772
Loan loss allowance to noncurrent loans75.0388%3,714
Noncurrent assets plus other real estate owned to assets1.1378%4,674
Noncurrent loans to loans1.1985%4,818
Net loans and leases to total assets87.6444%260
Net loans and leases to deposits111.0483%518
Net loans and leases to core deposits171.0160%311
Total domestic deposits to total assets78.9246%5,835
Equity capital to assets9.4249%4,709
Core capital (leverage) ratio8.8241%4,904
Tier 1 risk-based capital ratio9.7090%7,225
Total risk-based capital ratio10.6169%7,475
Memoranda:
Average total assets$169,756,6703,645
Average earning assets$155,720,3303,636
Average equity$15,897,6703,942
Average total loans$148,071,0003,017
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.6255%673
Cost of funding earning assets2.3759%2,390
Net interest margin4.2495%1,751
Noninterest income to average assets0.4187%5,068
Noninterest expense to average assets2.8648%4,279
Loan and lease loss provision to assets0.1714%4,752
Net operating income to assets0.9745%2,421
Return on assets (ROA)0.9745%2,546
Pretax return on assets1.2977%2,293
Return on Equity (ROE)10.4435%2,150
Retained earnings to average equity (ytd only)10.4435%1,086
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio66.0452%5,319
Assets per employee ($millions)4.0698%3,514
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans0.9151%6,676
Loan loss allowance to noncurrent loans108.9634%2,830
Noncurrent assets plus other real estate owned to assets0.7958%5,187
Noncurrent loans to loans0.8398%5,341
Net loans and leases to total assets84.5314%618
Net loans and leases to deposits106.2408%844
Net loans and leases to core deposits159.4122%497
Total domestic deposits to total assets79.5659%5,521
Equity capital to assets9.4593%4,732
Core capital (leverage) ratio10.2137%3,187
Tier 1 risk-based capital ratio9.9871%6,941
Total risk-based capital ratio10.9017%7,221
Memoranda:
Average total assets$163,360,5003,772
Average earning assets$150,510,5003,743
Average equity$15,244,0004,095
Average total loans$141,383,5003,147
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets7.1084%900
Cost of funding earning assets2.9878%1,910
Net interest margin4.1207%2,624
Noninterest income to average assets0.5000%4,612
Noninterest expense to average assets2.8886%4,488
Loan and lease loss provision to assets0.0840%6,339
Net operating income to assets1.0389%2,406
Return on assets (ROA)0.1374%5,841
Pretax return on assets0.1756%5,780
Return on Equity (ROE)1.5746%5,745
Retained earnings to average equity (ytd only)1.5746%4,273
Net charge-offs to loans0.0350%6,315
Credit loss provision to net charge-offs275.0000%1,665
Earnings coverage of net charge-offs (x)46.3500%804
Efficiency ratio67.0805%4,894
Assets per employee ($millions)3.6912%4,194
Cash dividends to net income (ytd only)*0.0000%4,825
Condition Ratios (%)
Loss allowance to loans0.7431%7,321
Loan loss allowance to noncurrent loans101.5773%3,409
Noncurrent assets plus other real estate owned to assets0.7721%4,920
Noncurrent loans to loans0.7316%5,201
Net loans and leases to total assets87.3903%425
Net loans and leases to deposits112.6398%675
Net loans and leases to core deposits167.8723%443
Total domestic deposits to total assets77.5838%5,844
Equity capital to assets9.1766%5,117
Core capital (leverage) ratio8.6184%5,346
Tier 1 risk-based capital ratio9.7475%7,021
Total risk-based capital ratio10.5104%7,498
Memoranda:
Average total assets$130,996,6004,254
Average earning assets$120,927,0004,232
Average equity$11,431,2004,988
Average total loans$114,292,4003,582