Home > American Chartered Bank > Performance and Condition Ratios
American Chartered Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8864% | 3,642 |
| Cost of funding earning assets | 0.1389% | 5,623 |
| Net interest margin | 3.7475% | 2,524 |
| Noninterest income to average assets | 0.6789% | 2,239 |
| Noninterest expense to average assets | 2.0617% | 5,142 |
| Loan and lease loss provision to assets | 0.2143% | 987 |
| Net operating income to assets | 1.1425% | 1,802 |
| Return on assets (ROA) | 1.1425% | 1,918 |
| Pretax return on assets | 1.8740% | 738 |
| Return on Equity (ROE) | 13.1512% | 993 |
| Retained earnings to average equity (ytd only) | 13.1512% | 227 |
| Net charge-offs to loans | 0.3458% | 677 |
| Credit loss provision to net charge-offs | 85.6409% | 2,308 |
| Earnings coverage of net charge-offs (x) | 8.3471% | 2,521 |
| Efficiency ratio | 49.6790% | 5,580 |
| Assets per employee ($millions) | 8.9501% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,842 |
| Loan loss allowance to noncurrent loans | 179.8116% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 3,075 |
| Noncurrent loans to loans | 0.7178% | 2,935 |
| Net loans and leases to total assets | 71.5436% | 2,240 |
| Net loans and leases to deposits | 84.1592% | 2,446 |
| Net loans and leases to core deposits | 85.6494% | 2,936 |
| Total domestic deposits to total assets | 85.0098% | 2,879 |
| Equity capital to assets | 9.0908% | 5,173 |
| Core capital (leverage) ratio | 9.1484% | 4,667 |
| Tier 1 risk-based capital ratio | 11.7575% | 5,002 |
| Total risk-based capital ratio | 12.9517% | 4,928 |
| Memoranda: | ||
| Average total assets | $2,800,356,000 | 311 |
| Average earning assets | $2,593,796,330 | 299 |
| Average equity | $243,277,670 | 370 |
| Average total loans | $2,025,872,670 | 303 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8908% | 3,619 |
| Cost of funding earning assets | 0.1373% | 5,696 |
| Net interest margin | 3.7536% | 2,462 |
| Noninterest income to average assets | 0.6562% | 2,233 |
| Noninterest expense to average assets | 2.0565% | 5,208 |
| Loan and lease loss provision to assets | 0.2133% | 909 |
| Net operating income to assets | 1.1466% | 1,722 |
| Return on assets (ROA) | 1.1466% | 1,840 |
| Pretax return on assets | 1.8703% | 737 |
| Return on Equity (ROE) | 13.5073% | 931 |
| Retained earnings to average equity (ytd only) | 13.5073% | 354 |
| Net charge-offs to loans | 0.3744% | 590 |
| Credit loss provision to net charge-offs | 78.8229% | 1,846 |
| Earnings coverage of net charge-offs (x) | 7.7005% | 2,125 |
| Efficiency ratio | 49.6737% | 5,649 |
| Assets per employee ($millions) | 9.1619% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,990 |
| Loan loss allowance to noncurrent loans | 191.5876% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6182% | 3,210 |
| Noncurrent loans to loans | 0.6699% | 3,165 |
| Net loans and leases to total assets | 71.4838% | 2,116 |
| Net loans and leases to deposits | 83.4637% | 2,372 |
| Net loans and leases to core deposits | 84.9553% | 2,848 |
| Total domestic deposits to total assets | 85.6465% | 2,835 |
| Equity capital to assets | 8.6839% | 5,435 |
| Core capital (leverage) ratio | 8.8134% | 5,065 |
| Tier 1 risk-based capital ratio | 11.3442% | 5,316 |
| Total risk-based capital ratio | 12.5381% | 5,254 |
| Memoranda: | ||
| Average total assets | $2,813,271,000 | 306 |
| Average earning assets | $2,611,163,500 | 294 |
| Average equity | $238,803,500 | 375 |
| Average total loans | $2,033,334,500 | 297 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,891 |
| Cost of funding earning assets | 0.1283% | 5,830 |
| Net interest margin | 3.7190% | 2,681 |
| Noninterest income to average assets | 0.7446% | 2,006 |
| Noninterest expense to average assets | 2.1354% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2446% | 1,399 |
| Return on assets (ROA) | 1.2542% | 1,431 |
| Pretax return on assets | 2.0566% | 480 |
| Return on Equity (ROE) | 15.0606% | 677 |
| Retained earnings to average equity (ytd only) | 7.6399% | 1,048 |
| Net charge-offs to loans | 0.0984% | 2,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 29.0269% | 1,488 |
| Efficiency ratio | 51.1217% | 5,694 |
| Assets per employee ($millions) | 9.1065% | 373 |
| Cash dividends to net income (ytd only)* | 49.2725% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,905 |
| Loan loss allowance to noncurrent loans | 195.7313% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.6034% | 3,270 |
| Noncurrent loans to loans | 0.6637% | 3,201 |
| Net loans and leases to total assets | 71.2037% | 2,170 |
| Net loans and leases to deposits | 85.9925% | 2,135 |
| Net loans and leases to core deposits | 87.5246% | 2,648 |
| Total domestic deposits to total assets | 82.8022% | 3,905 |
| Equity capital to assets | 8.2944% | 5,708 |
| Core capital (leverage) ratio | 8.5156% | 5,414 |
| Tier 1 risk-based capital ratio | 10.9473% | 5,550 |
| Total risk-based capital ratio | 12.1570% | 5,483 |
| Memoranda: | ||
| Average total assets | $2,751,004,600 | 297 |
| Average earning assets | $2,539,060,400 | 292 |
| Average equity | $229,088,200 | 373 |
| Average total loans | $1,966,466,000 | 291 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8760% | 3,826 |
| Cost of funding earning assets | 0.1286% | 5,923 |
| Net interest margin | 3.7474% | 2,570 |
| Noninterest income to average assets | 0.7610% | 1,980 |
| Noninterest expense to average assets | 2.1360% | 5,200 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2578% | 1,459 |
| Return on assets (ROA) | 1.2707% | 1,481 |
| Pretax return on assets | 2.0866% | 517 |
| Return on Equity (ROE) | 15.2431% | 697 |
| Retained earnings to average equity (ytd only) | 13.3410% | 257 |
| Net charge-offs to loans | -0.0005% | 4,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8254% | 5,734 |
| Assets per employee ($millions) | 9.0130% | 370 |
| Cash dividends to net income (ytd only)* | 12.4779% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 2,522 |
| Loan loss allowance to noncurrent loans | 303.3864% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5743% | 3,566 |
| Noncurrent loans to loans | 0.4669% | 3,954 |
| Net loans and leases to total assets | 70.5065% | 2,315 |
| Net loans and leases to deposits | 88.0531% | 1,894 |
| Net loans and leases to core deposits | 89.7061% | 2,494 |
| Total domestic deposits to total assets | 80.0727% | 4,735 |
| Equity capital to assets | 8.5770% | 5,655 |
| Core capital (leverage) ratio | 8.5227% | 5,536 |
| Tier 1 risk-based capital ratio | 11.3491% | 5,462 |
| Total risk-based capital ratio | 12.5999% | 5,372 |
| Memoranda: | ||
| Average total assets | $2,733,003,500 | 305 |
| Average earning assets | $2,509,958,750 | 299 |
| Average equity | $227,822,500 | 380 |
| Average total loans | $1,948,946,750 | 294 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,011 |
| Cost of funding earning assets | 0.1265% | 6,006 |
| Net interest margin | 3.6876% | 2,765 |
| Noninterest income to average assets | 0.7456% | 2,018 |
| Noninterest expense to average assets | 2.1361% | 5,257 |
| Loan and lease loss provision to assets | 0.1033% | 2,103 |
| Net operating income to assets | 1.1587% | 1,750 |
| Return on assets (ROA) | 1.1781% | 1,744 |
| Pretax return on assets | 1.9321% | 685 |
| Return on Equity (ROE) | 14.2749% | 850 |
| Retained earnings to average equity (ytd only) | 12.9333% | 316 |
| Net charge-offs to loans | -0.0174% | 5,121 |
| Credit loss provision to net charge-offs | -833.3333% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5827% | 5,748 |
| Assets per employee ($millions) | 8.9808% | 373 |
| Cash dividends to net income (ytd only)* | 9.3979% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 2,232 |
| Loan loss allowance to noncurrent loans | 331.8197% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 3,558 |
| Noncurrent loans to loans | 0.4561% | 4,109 |
| Net loans and leases to total assets | 69.7976% | 2,342 |
| Net loans and leases to deposits | 87.8810% | 1,851 |
| Net loans and leases to core deposits | 89.1758% | 2,433 |
| Total domestic deposits to total assets | 79.4229% | 4,998 |
| Equity capital to assets | 8.2855% | 5,840 |
| Core capital (leverage) ratio | 8.4162% | 5,613 |
| Tier 1 risk-based capital ratio | 11.1522% | 5,642 |
| Total risk-based capital ratio | 12.4042% | 5,562 |
| Memoranda: | ||
| Average total assets | $2,709,655,670 | 303 |
| Average earning assets | $2,495,103,330 | 299 |
| Average equity | $223,624,000 | 386 |
| Average total loans | $1,930,352,670 | 294 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 3,864 |
| Cost of funding earning assets | 0.1257% | 6,089 |
| Net interest margin | 3.7131% | 2,574 |
| Noninterest income to average assets | 0.7214% | 2,055 |
| Noninterest expense to average assets | 2.1700% | 5,225 |
| Loan and lease loss provision to assets | 0.2699% | 579 |
| Net operating income to assets | 1.0435% | 2,059 |
| Return on assets (ROA) | 1.0829% | 2,043 |
| Pretax return on assets | 1.7718% | 914 |
| Return on Equity (ROE) | 13.1490% | 1,049 |
| Retained earnings to average equity (ytd only) | 10.4184% | 824 |
| Net charge-offs to loans | -0.0025% | 4,372 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2886% | 5,791 |
| Assets per employee ($millions) | 9.0147% | 362 |
| Cash dividends to net income (ytd only)* | 20.7670% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5807% | 2,120 |
| Loan loss allowance to noncurrent loans | 331.0027% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 3,020 |
| Noncurrent loans to loans | 0.4775% | 4,145 |
| Net loans and leases to total assets | 69.0784% | 2,271 |
| Net loans and leases to deposits | 86.7588% | 1,745 |
| Net loans and leases to core deposits | 88.3753% | 2,286 |
| Total domestic deposits to total assets | 79.6212% | 5,140 |
| Equity capital to assets | 8.1961% | 5,935 |
| Core capital (leverage) ratio | 8.4112% | 5,618 |
| Tier 1 risk-based capital ratio | 11.0280% | 5,795 |
| Total risk-based capital ratio | 12.2806% | 5,723 |
| Memoranda: | ||
| Average total assets | $2,667,963,500 | 305 |
| Average earning assets | $2,463,605,000 | 300 |
| Average equity | $219,727,500 | 393 |
| Average total loans | $1,905,811,000 | 291 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 4,017 |
| Cost of funding earning assets | 0.1966% | 5,773 |
| Net interest margin | 3.7338% | 2,863 |
| Noninterest income to average assets | 0.5158% | 3,385 |
| Noninterest expense to average assets | 2.3415% | 4,994 |
| Loan and lease loss provision to assets | 0.3968% | 449 |
| Net operating income to assets | 0.7250% | 3,771 |
| Return on assets (ROA) | 0.7474% | 3,736 |
| Pretax return on assets | 1.2320% | 2,518 |
| Return on Equity (ROE) | 9.0601% | 2,555 |
| Retained earnings to average equity (ytd only) | 5.9495% | 1,958 |
| Net charge-offs to loans | 0.5373% | 756 |
| Credit loss provision to net charge-offs | 102.8870% | 2,326 |
| Earnings coverage of net charge-offs (x) | 4.1329% | 3,729 |
| Efficiency ratio | 59.5004% | 5,284 |
| Assets per employee ($millions) | 8.4854% | 437 |
| Cash dividends to net income (ytd only)* | 34.3334% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 2,514 |
| Loan loss allowance to noncurrent loans | 243.4242% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 2,661 |
| Noncurrent loans to loans | 0.6136% | 3,844 |
| Net loans and leases to total assets | 71.6440% | 1,962 |
| Net loans and leases to deposits | 84.7027% | 2,139 |
| Net loans and leases to core deposits | 85.9214% | 2,698 |
| Total domestic deposits to total assets | 84.5828% | 3,465 |
| Equity capital to assets | 8.2771% | 5,905 |
| Core capital (leverage) ratio | 8.3983% | 5,660 |
| Tier 1 risk-based capital ratio | 11.1033% | 5,871 |
| Total risk-based capital ratio | 12.3554% | 5,809 |
| Memoranda: | ||
| Average total assets | $2,532,952,600 | 299 |
| Average earning assets | $2,319,778,400 | 294 |
| Average equity | $208,959,800 | 389 |
| Average total loans | $1,817,961,000 | 288 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 4,030 |
| Cost of funding earning assets | 0.2189% | 5,679 |
| Net interest margin | 3.7164% | 2,955 |
| Noninterest income to average assets | 0.4661% | 3,759 |
| Noninterest expense to average assets | 2.3742% | 4,901 |
| Loan and lease loss provision to assets | 0.4298% | 373 |
| Net operating income to assets | 0.6490% | 4,222 |
| Return on assets (ROA) | 0.6790% | 4,141 |
| Pretax return on assets | 1.1042% | 3,169 |
| Return on Equity (ROE) | 8.2379% | 3,075 |
| Retained earnings to average equity (ytd only) | 5.0192% | 3,064 |
| Net charge-offs to loans | 0.6105% | 601 |
| Credit loss provision to net charge-offs | 98.4324% | 2,268 |
| Earnings coverage of net charge-offs (x) | 3.4058% | 3,665 |
| Efficiency ratio | 61.4879% | 4,964 |
| Assets per employee ($millions) | 8.4768% | 428 |
| Cash dividends to net income (ytd only)* | 39.0717% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 2,605 |
| Loan loss allowance to noncurrent loans | 198.7287% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 1.1750% | 2,602 |
| Noncurrent loans to loans | 0.7665% | 3,672 |
| Net loans and leases to total assets | 70.8969% | 2,040 |
| Net loans and leases to deposits | 84.7567% | 2,063 |
| Net loans and leases to core deposits | 86.0419% | 2,662 |
| Total domestic deposits to total assets | 83.6476% | 3,901 |
| Equity capital to assets | 8.2884% | 5,953 |
| Core capital (leverage) ratio | 8.5488% | 5,597 |
| Tier 1 risk-based capital ratio | 11.1552% | 5,931 |
| Total risk-based capital ratio | 12.4076% | 5,883 |
| Memoranda: | ||
| Average total assets | $2,512,817,250 | 300 |
| Average earning assets | $2,295,630,000 | 293 |
| Average equity | $207,119,250 | 388 |
| Average total loans | $1,797,250,250 | 284 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 4,086 |
| Cost of funding earning assets | 0.2274% | 5,682 |
| Net interest margin | 3.6859% | 3,013 |
| Noninterest income to average assets | 0.6503% | 2,543 |
| Noninterest expense to average assets | 2.4280% | 4,802 |
| Loan and lease loss provision to assets | 0.5760% | 245 |
| Net operating income to assets | 0.6128% | 4,296 |
| Return on assets (ROA) | 0.6581% | 4,154 |
| Pretax return on assets | 1.0776% | 3,190 |
| Return on Equity (ROE) | 7.9994% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.1096% | 3,560 |
| Net charge-offs to loans | 0.5844% | 690 |
| Credit loss provision to net charge-offs | 138.1162% | 1,539 |
| Earnings coverage of net charge-offs (x) | 3.7955% | 3,215 |
| Efficiency ratio | 60.5346% | 5,217 |
| Assets per employee ($millions) | 8.5006% | 396 |
| Cash dividends to net income (ytd only)* | 48.6263% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 2,296 |
| Loan loss allowance to noncurrent loans | 188.6486% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 2,227 |
| Noncurrent loans to loans | 0.8739% | 3,511 |
| Net loans and leases to total assets | 70.1700% | 2,054 |
| Net loans and leases to deposits | 83.9992% | 2,040 |
| Net loans and leases to core deposits | 86.0644% | 2,511 |
| Total domestic deposits to total assets | 83.5365% | 4,096 |
| Equity capital to assets | 8.1360% | 6,076 |
| Core capital (leverage) ratio | 8.5377% | 5,597 |
| Tier 1 risk-based capital ratio | 10.9937% | 6,052 |
| Total risk-based capital ratio | 13.0467% | 5,580 |
| Memoranda: | ||
| Average total assets | $2,499,922,330 | 299 |
| Average earning assets | $2,279,340,000 | 293 |
| Average equity | $205,666,000 | 388 |
| Average total loans | $1,784,027,670 | 285 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8903% | 4,120 |
| Cost of funding earning assets | 0.2353% | 5,708 |
| Net interest margin | 3.6550% | 3,040 |
| Noninterest income to average assets | 0.7354% | 2,011 |
| Noninterest expense to average assets | 2.5109% | 4,587 |
| Loan and lease loss provision to assets | 0.6314% | 205 |
| Net operating income to assets | 0.5695% | 4,355 |
| Return on assets (ROA) | 0.6381% | 4,097 |
| Pretax return on assets | 1.0401% | 3,167 |
| Return on Equity (ROE) | 7.7119% | 3,084 |
| Retained earnings to average equity (ytd only) | 2.8198% | 4,399 |
| Net charge-offs to loans | 0.4943% | 742 |
| Credit loss provision to net charge-offs | 178.9812% | 1,125 |
| Earnings coverage of net charge-offs (x) | 4.4346% | 2,528 |
| Efficiency ratio | 61.6106% | 5,186 |
| Assets per employee ($millions) | 8.1612% | 448 |
| Cash dividends to net income (ytd only)* | 63.4357% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 2,393 |
| Loan loss allowance to noncurrent loans | 173.5874% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 1.6198% | 2,175 |
| Noncurrent loans to loans | 0.9729% | 3,481 |
| Net loans and leases to total assets | 69.5330% | 1,978 |
| Net loans and leases to deposits | 80.0797% | 2,282 |
| Net loans and leases to core deposits | 83.3025% | 2,601 |
| Total domestic deposits to total assets | 86.8298% | 2,923 |
| Equity capital to assets | 8.2215% | 5,891 |
| Core capital (leverage) ratio | 8.5479% | 5,588 |
| Tier 1 risk-based capital ratio | 11.1531% | 6,095 |
| Total risk-based capital ratio | 13.2300% | 5,587 |
| Memoranda: | ||
| Average total assets | $2,470,547,500 | 303 |
| Average earning assets | $2,257,602,500 | 298 |
| Average equity | $204,412,000 | 391 |
| Average total loans | $1,763,283,500 | 285 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 4,312 |
| Cost of funding earning assets | 0.3473% | 5,165 |
| Net interest margin | 3.5950% | 3,485 |
| Noninterest income to average assets | 0.4990% | 3,768 |
| Noninterest expense to average assets | 2.4816% | 4,826 |
| Loan and lease loss provision to assets | 0.6918% | 334 |
| Net operating income to assets | 0.3893% | 5,181 |
| Return on assets (ROA) | 0.3909% | 5,285 |
| Pretax return on assets | 0.6184% | 4,810 |
| Return on Equity (ROE) | 4.6550% | 4,812 |
| Retained earnings to average equity (ytd only) | 3.1705% | 3,979 |
| Net charge-offs to loans | 1.2046% | 440 |
| Credit loss provision to net charge-offs | 82.1006% | 2,985 |
| Earnings coverage of net charge-offs (x) | 1.5519% | 4,537 |
| Efficiency ratio | 65.4886% | 4,655 |
| Assets per employee ($millions) | 7.7334% | 536 |
| Cash dividends to net income (ytd only)* | 31.8911% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 2,776 |
| Loan loss allowance to noncurrent loans | 129.3008% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 1.8932% | 1,918 |
| Noncurrent loans to loans | 1.2350% | 3,070 |
| Net loans and leases to total assets | 70.8807% | 1,859 |
| Net loans and leases to deposits | 81.1569% | 2,302 |
| Net loans and leases to core deposits | 84.0905% | 2,668 |
| Total domestic deposits to total assets | 87.3378% | 2,557 |
| Equity capital to assets | 8.3276% | 5,758 |
| Core capital (leverage) ratio | 8.5154% | 5,655 |
| Tier 1 risk-based capital ratio | 10.9802% | 6,180 |
| Total risk-based capital ratio | 13.0489% | 5,675 |
| Memoranda: | ||
| Average total assets | $2,406,592,400 | 303 |
| Average earning assets | $2,202,712,400 | 296 |
| Average equity | $202,083,800 | 382 |
| Average total loans | $1,683,502,200 | 285 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9136% | 4,454 |
| Cost of funding earning assets | 0.3702% | 5,095 |
| Net interest margin | 3.5433% | 3,694 |
| Noninterest income to average assets | 0.6097% | 3,083 |
| Noninterest expense to average assets | 2.5024% | 4,711 |
| Loan and lease loss provision to assets | 0.7564% | 276 |
| Net operating income to assets | 0.3753% | 5,354 |
| Return on assets (ROA) | 0.3776% | 5,479 |
| Pretax return on assets | 0.5954% | 5,027 |
| Return on Equity (ROE) | 4.4878% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.8268% | 3,965 |
| Net charge-offs to loans | 1.1890% | 455 |
| Credit loss provision to net charge-offs | 91.6319% | 2,596 |
| Earnings coverage of net charge-offs (x) | 1.6333% | 4,293 |
| Efficiency ratio | 64.9874% | 4,652 |
| Assets per employee ($millions) | 7.6923% | 535 |
| Cash dividends to net income (ytd only)* | 14.7275% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 2,437 |
| Loan loss allowance to noncurrent loans | 92.9109% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 2.2737% | 1,739 |
| Noncurrent loans to loans | 1.8897% | 2,384 |
| Net loans and leases to total assets | 69.5446% | 2,039 |
| Net loans and leases to deposits | 81.8236% | 2,159 |
| Net loans and leases to core deposits | 86.0485% | 2,404 |
| Total domestic deposits to total assets | 84.9933% | 3,753 |
| Equity capital to assets | 8.1997% | 6,002 |
| Core capital (leverage) ratio | 8.5075% | 5,762 |
| Tier 1 risk-based capital ratio | 10.8495% | 6,348 |
| Total risk-based capital ratio | 12.9283% | 5,921 |
| Memoranda: | ||
| Average total assets | $2,397,299,250 | 305 |
| Average earning assets | $2,192,715,250 | 299 |
| Average equity | $201,728,250 | 381 |
| Average total loans | $1,664,311,000 | 287 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 4,423 |
| Cost of funding earning assets | 0.3892% | 5,040 |
| Net interest margin | 3.5256% | 3,674 |
| Noninterest income to average assets | 0.6233% | 3,059 |
| Noninterest expense to average assets | 2.4706% | 4,833 |
| Loan and lease loss provision to assets | 0.7862% | 276 |
| Net operating income to assets | 0.3808% | 5,293 |
| Return on assets (ROA) | 0.3842% | 5,437 |
| Pretax return on assets | 0.6086% | 4,985 |
| Return on Equity (ROE) | 4.5260% | 4,986 |
| Retained earnings to average equity (ytd only) | 4.5260% | 3,389 |
| Net charge-offs to loans | 0.9042% | 688 |
| Credit loss provision to net charge-offs | 126.0958% | 1,789 |
| Earnings coverage of net charge-offs (x) | 2.2286% | 3,783 |
| Efficiency ratio | 64.0025% | 4,872 |
| Assets per employee ($millions) | 7.4317% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0174% | 1,812 |
| Loan loss allowance to noncurrent loans | 112.1752% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 2.3083% | 1,873 |
| Noncurrent loans to loans | 1.7985% | 2,644 |
| Net loans and leases to total assets | 68.1347% | 2,204 |
| Net loans and leases to deposits | 80.3555% | 2,277 |
| Net loans and leases to core deposits | 85.5712% | 2,376 |
| Total domestic deposits to total assets | 84.7916% | 3,997 |
| Equity capital to assets | 8.4363% | 5,828 |
| Core capital (leverage) ratio | 8.4621% | 5,711 |
| Tier 1 risk-based capital ratio | 11.1224% | 6,282 |
| Total risk-based capital ratio | 13.2354% | 5,749 |
| Memoranda: | ||
| Average total assets | $2,378,453,330 | 308 |
| Average earning assets | $2,183,711,000 | 303 |
| Average equity | $201,902,000 | 380 |
| Average total loans | $1,640,078,330 | 289 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 4,385 |
| Cost of funding earning assets | 0.4213% | 4,899 |
| Net interest margin | 3.5034% | 3,678 |
| Noninterest income to average assets | 0.6028% | 3,121 |
| Noninterest expense to average assets | 2.4485% | 4,953 |
| Loan and lease loss provision to assets | 0.8363% | 254 |
| Net operating income to assets | 0.3408% | 5,399 |
| Return on assets (ROA) | 0.3470% | 5,513 |
| Pretax return on assets | 0.5549% | 5,100 |
| Return on Equity (ROE) | 4.0754% | 5,054 |
| Retained earnings to average equity (ytd only) | 4.0754% | 3,774 |
| Net charge-offs to loans | 0.8463% | 715 |
| Credit loss provision to net charge-offs | 143.9372% | 1,408 |
| Earnings coverage of net charge-offs (x) | 2.3774% | 3,053 |
| Efficiency ratio | 63.9315% | 5,019 |
| Assets per employee ($millions) | 7.4261% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0277% | 1,971 |
| Loan loss allowance to noncurrent loans | 97.3703% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 2.4602% | 1,875 |
| Noncurrent loans to loans | 2.0825% | 2,529 |
| Net loans and leases to total assets | 67.6071% | 2,091 |
| Net loans and leases to deposits | 79.5798% | 2,137 |
| Net loans and leases to core deposits | 82.8827% | 2,468 |
| Total domestic deposits to total assets | 84.9551% | 4,063 |
| Equity capital to assets | 8.5226% | 5,996 |
| Core capital (leverage) ratio | 8.3884% | 5,723 |
| Tier 1 risk-based capital ratio | 11.0155% | 6,399 |
| Total risk-based capital ratio | 13.1408% | 5,945 |
| Memoranda: | ||
| Average total assets | $2,367,462,500 | 314 |
| Average earning assets | $2,180,738,500 | 307 |
| Average equity | $201,599,000 | 387 |
| Average total loans | $1,625,515,000 | 293 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 4,025 |
| Cost of funding earning assets | 0.5442% | 4,868 |
| Net interest margin | 3.8065% | 3,199 |
| Noninterest income to average assets | 1.2061% | 1,082 |
| Noninterest expense to average assets | 2.6897% | 4,435 |
| Loan and lease loss provision to assets | 0.9345% | 465 |
| Net operating income to assets | 0.6330% | 4,073 |
| Return on assets (ROA) | 0.6341% | 4,334 |
| Pretax return on assets | 1.0721% | 3,267 |
| Return on Equity (ROE) | 7.5514% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.5514% | 1,309 |
| Net charge-offs to loans | 1.5179% | 581 |
| Credit loss provision to net charge-offs | 90.4826% | 3,460 |
| Earnings coverage of net charge-offs (x) | 1.9409% | 4,453 |
| Efficiency ratio | 57.2977% | 5,920 |
| Assets per employee ($millions) | 7.3705% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9700% | 2,103 |
| Loan loss allowance to noncurrent loans | 98.7708% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 2.5743% | 1,887 |
| Noncurrent loans to loans | 1.9945% | 2,705 |
| Net loans and leases to total assets | 66.9666% | 2,370 |
| Net loans and leases to deposits | 76.1283% | 2,785 |
| Net loans and leases to core deposits | 80.5228% | 2,937 |
| Total domestic deposits to total assets | 87.9654% | 2,263 |
| Equity capital to assets | 8.5081% | 6,044 |
| Core capital (leverage) ratio | 8.4304% | 5,719 |
| Tier 1 risk-based capital ratio | 11.2851% | 6,221 |
| Total risk-based capital ratio | 13.4400% | 5,619 |
| Memoranda: | ||
| Average total assets | $2,311,321,200 | 315 |
| Average earning assets | $2,118,059,400 | 306 |
| Average equity | $194,095,400 | 386 |
| Average total loans | $1,572,727,400 | 291 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 3,845 |
| Cost of funding earning assets | 0.5691% | 4,920 |
| Net interest margin | 3.8769% | 2,999 |
| Noninterest income to average assets | 1.4349% | 728 |
| Noninterest expense to average assets | 2.7267% | 4,261 |
| Loan and lease loss provision to assets | 0.9683% | 434 |
| Net operating income to assets | 0.7598% | 3,652 |
| Return on assets (ROA) | 0.7612% | 3,890 |
| Pretax return on assets | 1.2874% | 2,651 |
| Return on Equity (ROE) | 9.0957% | 2,749 |
| Retained earnings to average equity (ytd only) | 9.0957% | 1,186 |
| Net charge-offs to loans | 1.6428% | 506 |
| Credit loss provision to net charge-offs | 86.7082% | 3,404 |
| Earnings coverage of net charge-offs (x) | 2.0174% | 4,260 |
| Efficiency ratio | 54.7565% | 6,168 |
| Assets per employee ($millions) | 7.1823% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9899% | 2,195 |
| Loan loss allowance to noncurrent loans | 78.6202% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 3.1189% | 1,660 |
| Noncurrent loans to loans | 2.5310% | 2,254 |
| Net loans and leases to total assets | 68.2566% | 2,255 |
| Net loans and leases to deposits | 77.7804% | 2,694 |
| Net loans and leases to core deposits | 82.7092% | 2,870 |
| Total domestic deposits to total assets | 87.7555% | 2,194 |
| Equity capital to assets | 8.8001% | 6,016 |
| Core capital (leverage) ratio | 8.5118% | 5,732 |
| Tier 1 risk-based capital ratio | 11.3296% | 6,338 |
| Total risk-based capital ratio | 13.5012% | 5,776 |
| Memoranda: | ||
| Average total assets | $2,299,508,000 | 314 |
| Average earning assets | $2,102,503,500 | 305 |
| Average equity | $192,451,750 | 387 |
| Average total loans | $1,563,110,000 | 296 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 3,915 |
| Cost of funding earning assets | 0.5938% | 4,953 |
| Net interest margin | 3.8725% | 3,028 |
| Noninterest income to average assets | 1.8447% | 453 |
| Noninterest expense to average assets | 2.7861% | 4,070 |
| Loan and lease loss provision to assets | 0.9786% | 457 |
| Net operating income to assets | 0.9550% | 2,638 |
| Return on assets (ROA) | 0.9572% | 2,875 |
| Pretax return on assets | 1.6125% | 1,508 |
| Return on Equity (ROE) | 11.6331% | 1,795 |
| Retained earnings to average equity (ytd only) | 11.6331% | 643 |
| Net charge-offs to loans | 1.3432% | 780 |
| Credit loss provision to net charge-offs | 108.0409% | 2,519 |
| Earnings coverage of net charge-offs (x) | 2.8561% | 3,601 |
| Efficiency ratio | 51.8535% | 6,514 |
| Assets per employee ($millions) | 6.8749% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2322% | 1,701 |
| Loan loss allowance to noncurrent loans | 85.3216% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 3.4666% | 1,540 |
| Noncurrent loans to loans | 2.6163% | 2,296 |
| Net loans and leases to total assets | 67.4893% | 2,374 |
| Net loans and leases to deposits | 76.8089% | 2,871 |
| Net loans and leases to core deposits | 82.3478% | 2,919 |
| Total domestic deposits to total assets | 87.8665% | 2,234 |
| Equity capital to assets | 8.7501% | 5,969 |
| Core capital (leverage) ratio | 8.2057% | 6,042 |
| Tier 1 risk-based capital ratio | 11.2809% | 6,347 |
| Total risk-based capital ratio | 13.4627% | 5,766 |
| Memoranda: | ||
| Average total assets | $2,309,479,330 | 311 |
| Average earning assets | $2,104,176,000 | 301 |
| Average equity | $190,026,670 | 387 |
| Average total loans | $1,557,280,330 | 296 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4269% | 4,215 |
| Cost of funding earning assets | 0.6213% | 4,954 |
| Net interest margin | 3.8056% | 3,370 |
| Noninterest income to average assets | 0.6799% | 2,759 |
| Noninterest expense to average assets | 2.7665% | 4,175 |
| Loan and lease loss provision to assets | 0.9600% | 440 |
| Net operating income to assets | 0.2434% | 5,845 |
| Return on assets (ROA) | 0.2409% | 5,997 |
| Pretax return on assets | 0.3958% | 5,738 |
| Return on Equity (ROE) | 3.0201% | 5,707 |
| Retained earnings to average equity (ytd only) | 3.0201% | 4,741 |
| Net charge-offs to loans | 1.0360% | 1,001 |
| Credit loss provision to net charge-offs | 139.0268% | 1,768 |
| Earnings coverage of net charge-offs (x) | 1.9672% | 3,355 |
| Efficiency ratio | 67.0684% | 4,341 |
| Assets per employee ($millions) | 7.0485% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 1,678 |
| Loan loss allowance to noncurrent loans | 81.3963% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 3.8662% | 1,442 |
| Noncurrent loans to loans | 2.8244% | 2,285 |
| Net loans and leases to total assets | 64.6235% | 2,735 |
| Net loans and leases to deposits | 72.8023% | 3,299 |
| Net loans and leases to core deposits | 77.9419% | 3,333 |
| Total domestic deposits to total assets | 88.7657% | 1,841 |
| Equity capital to assets | 7.9741% | 6,537 |
| Core capital (leverage) ratio | 7.5175% | 6,621 |
| Tier 1 risk-based capital ratio | 10.1816% | 6,836 |
| Total risk-based capital ratio | 12.3496% | 6,478 |
| Memoranda: | ||
| Average total assets | $2,333,306,000 | 304 |
| Average earning assets | $2,112,278,000 | 298 |
| Average equity | $186,084,000 | 391 |
| Average total loans | $1,555,249,000 | 291 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 4,412 |
| Cost of funding earning assets | 0.9166% | 3,988 |
| Net interest margin | 3.7458% | 4,100 |
| Noninterest income to average assets | 0.2887% | 5,470 |
| Noninterest expense to average assets | 2.9307% | 3,842 |
| Loan and lease loss provision to assets | 1.0911% | 829 |
| Net operating income to assets | -0.1766% | 6,233 |
| Return on assets (ROA) | -0.1048% | 6,240 |
| Pretax return on assets | -0.2337% | 6,307 |
| Return on Equity (ROE) | -1.3374% | 6,281 |
| Retained earnings to average equity (ytd only) | -1.3374% | 6,065 |
| Net charge-offs to loans | 1.8862% | 763 |
| Credit loss provision to net charge-offs | 85.4148% | 4,224 |
| Earnings coverage of net charge-offs (x) | 0.5832% | 5,392 |
| Efficiency ratio | 79.7319% | 2,342 |
| Assets per employee ($millions) | 6.8832% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1765% | 1,844 |
| Loan loss allowance to noncurrent loans | 74.5419% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 4.0798% | 1,403 |
| Noncurrent loans to loans | 2.9199% | 2,231 |
| Net loans and leases to total assets | 65.7055% | 2,840 |
| Net loans and leases to deposits | 73.9172% | 3,509 |
| Net loans and leases to core deposits | 80.3021% | 3,421 |
| Total domestic deposits to total assets | 88.8908% | 1,611 |
| Equity capital to assets | 7.9762% | 6,586 |
| Core capital (leverage) ratio | 7.3206% | 6,737 |
| Tier 1 risk-based capital ratio | 9.7799% | 6,906 |
| Total risk-based capital ratio | 11.9348% | 6,583 |
| Memoranda: | ||
| Average total assets | $2,360,020,600 | 297 |
| Average earning assets | $2,133,912,400 | 293 |
| Average equity | $184,913,200 | 379 |
| Average total loans | $1,598,286,000 | 286 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 4,534 |
| Cost of funding earning assets | 0.9903% | 3,746 |
| Net interest margin | 3.6932% | 4,371 |
| Noninterest income to average assets | 0.4733% | 4,103 |
| Noninterest expense to average assets | 2.7778% | 4,424 |
| Loan and lease loss provision to assets | 1.0415% | 809 |
| Net operating income to assets | 0.0023% | 6,153 |
| Return on assets (ROA) | 0.1343% | 6,003 |
| Pretax return on assets | 0.1508% | 5,998 |
| Return on Equity (ROE) | 1.7212% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.7212% | 5,283 |
| Net charge-offs to loans | 1.6582% | 840 |
| Credit loss provision to net charge-offs | 92.5555% | 3,685 |
| Earnings coverage of net charge-offs (x) | 0.9277% | 4,930 |
| Efficiency ratio | 72.6855% | 3,423 |
| Assets per employee ($millions) | 6.8528% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3450% | 1,624 |
| Loan loss allowance to noncurrent loans | 71.5149% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 4.7026% | 1,254 |
| Noncurrent loans to loans | 3.2791% | 2,108 |
| Net loans and leases to total assets | 65.2218% | 3,060 |
| Net loans and leases to deposits | 73.7519% | 3,690 |
| Net loans and leases to core deposits | 81.6845% | 3,377 |
| Total domestic deposits to total assets | 88.4340% | 1,795 |
| Equity capital to assets | 8.0762% | 6,648 |
| Core capital (leverage) ratio | 7.7103% | 6,633 |
| Tier 1 risk-based capital ratio | 10.2173% | 6,886 |
| Total risk-based capital ratio | 12.3626% | 6,461 |
| Memoranda: | ||
| Average total assets | $2,368,398,250 | 295 |
| Average earning assets | $2,147,298,000 | 292 |
| Average equity | $184,750,000 | 383 |
| Average total loans | $1,607,193,000 | 282 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7276% | 4,413 |
| Cost of funding earning assets | 1.0605% | 3,537 |
| Net interest margin | 3.6671% | 4,429 |
| Noninterest income to average assets | 0.5399% | 3,562 |
| Noninterest expense to average assets | 2.7551% | 4,613 |
| Loan and lease loss provision to assets | 1.0750% | 773 |
| Net operating income to assets | 0.0328% | 6,163 |
| Return on assets (ROA) | 0.1727% | 5,922 |
| Pretax return on assets | 0.1850% | 5,958 |
| Return on Equity (ROE) | 2.2398% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.2398% | 4,869 |
| Net charge-offs to loans | 1.0788% | 1,461 |
| Credit loss provision to net charge-offs | 146.0816% | 2,093 |
| Earnings coverage of net charge-offs (x) | 1.5077% | 4,160 |
| Efficiency ratio | 71.2905% | 3,880 |
| Assets per employee ($millions) | 6.8465% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6654% | 1,217 |
| Loan loss allowance to noncurrent loans | 72.9933% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 5.3999% | 1,098 |
| Noncurrent loans to loans | 3.6516% | 1,924 |
| Net loans and leases to total assets | 65.9808% | 3,034 |
| Net loans and leases to deposits | 75.3298% | 3,590 |
| Net loans and leases to core deposits | 85.3535% | 3,023 |
| Total domestic deposits to total assets | 87.5892% | 2,415 |
| Equity capital to assets | 7.9100% | 6,739 |
| Core capital (leverage) ratio | 7.5323% | 6,720 |
| Tier 1 risk-based capital ratio | 9.7230% | 7,050 |
| Total risk-based capital ratio | 11.8625% | 6,738 |
| Memoranda: | ||
| Average total assets | $2,372,073,000 | 301 |
| Average earning assets | $2,150,586,330 | 295 |
| Average equity | $182,871,330 | 390 |
| Average total loans | $1,618,109,670 | 286 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 4,164 |
| Cost of funding earning assets | 1.1747% | 2,987 |
| Net interest margin | 3.6025% | 4,556 |
| Noninterest income to average assets | 0.5497% | 3,513 |
| Noninterest expense to average assets | 2.7590% | 4,607 |
| Loan and lease loss provision to assets | 0.7551% | 1,129 |
| Net operating income to assets | 0.1785% | 5,858 |
| Return on assets (ROA) | 0.3368% | 5,320 |
| Pretax return on assets | 0.5488% | 4,869 |
| Return on Equity (ROE) | 4.4249% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.4249% | 3,525 |
| Net charge-offs to loans | 0.7668% | 1,678 |
| Credit loss provision to net charge-offs | 143.9079% | 1,966 |
| Earnings coverage of net charge-offs (x) | 2.0160% | 3,296 |
| Efficiency ratio | 72.2865% | 3,807 |
| Assets per employee ($millions) | 6.5684% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4625% | 1,515 |
| Loan loss allowance to noncurrent loans | 72.5010% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 5.2011% | 1,202 |
| Noncurrent loans to loans | 3.3966% | 2,208 |
| Net loans and leases to total assets | 67.9578% | 2,557 |
| Net loans and leases to deposits | 77.8975% | 3,075 |
| Net loans and leases to core deposits | 89.9509% | 2,353 |
| Total domestic deposits to total assets | 87.2401% | 2,802 |
| Equity capital to assets | 7.8400% | 6,643 |
| Core capital (leverage) ratio | 7.2770% | 6,875 |
| Tier 1 risk-based capital ratio | 9.6096% | 7,121 |
| Total risk-based capital ratio | 11.7371% | 6,800 |
| Memoranda: | ||
| Average total assets | $2,383,934,500 | 301 |
| Average earning assets | $2,161,932,000 | 297 |
| Average equity | $181,429,500 | 392 |
| Average total loans | $1,631,219,000 | 284 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8634% | 5,183 |
| Cost of funding earning assets | 1.4575% | 2,911 |
| Net interest margin | 3.4059% | 5,609 |
| Noninterest income to average assets | 0.4128% | 4,797 |
| Noninterest expense to average assets | 2.7467% | 4,795 |
| Loan and lease loss provision to assets | 1.3756% | 1,095 |
| Net operating income to assets | -0.3597% | 6,273 |
| Return on assets (ROA) | -0.1313% | 6,083 |
| Pretax return on assets | -0.2401% | 6,114 |
| Return on Equity (ROE) | -1.8095% | 6,153 |
| Retained earnings to average equity (ytd only) | -1.8095% | 5,941 |
| Net charge-offs to loans | 2.5721% | 724 |
| Credit loss provision to net charge-offs | 79.4194% | 5,579 |
| Earnings coverage of net charge-offs (x) | 0.4535% | 5,657 |
| Efficiency ratio | 77.7632% | 2,748 |
| Assets per employee ($millions) | 6.8798% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3321% | 1,645 |
| Loan loss allowance to noncurrent loans | 59.1964% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 5.5208% | 1,122 |
| Noncurrent loans to loans | 3.9396% | 1,854 |
| Net loans and leases to total assets | 65.6758% | 3,531 |
| Net loans and leases to deposits | 77.5112% | 3,590 |
| Net loans and leases to core deposits | 95.4080% | 2,077 |
| Total domestic deposits to total assets | 84.7307% | 3,980 |
| Equity capital to assets | 7.3933% | 6,942 |
| Core capital (leverage) ratio | 6.5972% | 7,171 |
| Tier 1 risk-based capital ratio | 9.0865% | 7,227 |
| Total risk-based capital ratio | 11.2011% | 6,989 |
| Memoranda: | ||
| Average total assets | $2,617,048,800 | 273 |
| Average earning assets | $2,396,830,800 | 266 |
| Average equity | $189,836,400 | 366 |
| Average total loans | $1,762,314,600 | 270 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 5,402 |
| Cost of funding earning assets | 1.5084% | 2,925 |
| Net interest margin | 3.3596% | 5,807 |
| Noninterest income to average assets | 0.5430% | 3,844 |
| Noninterest expense to average assets | 2.6789% | 4,965 |
| Loan and lease loss provision to assets | 0.9527% | 1,570 |
| Net operating income to assets | -0.0053% | 6,009 |
| Return on assets (ROA) | 0.2018% | 5,663 |
| Pretax return on assets | 0.2975% | 5,517 |
| Return on Equity (ROE) | 2.7947% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.7947% | 4,478 |
| Net charge-offs to loans | 1.9711% | 967 |
| Credit loss provision to net charge-offs | 71.7523% | 5,369 |
| Earnings coverage of net charge-offs (x) | 0.7121% | 5,345 |
| Efficiency ratio | 73.9119% | 3,339 |
| Assets per employee ($millions) | 6.9642% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 1,513 |
| Loan loss allowance to noncurrent loans | 62.9838% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 5.2780% | 1,184 |
| Noncurrent loans to loans | 3.7643% | 2,054 |
| Net loans and leases to total assets | 64.5094% | 4,013 |
| Net loans and leases to deposits | 73.9200% | 4,526 |
| Net loans and leases to core deposits | 96.6629% | 2,187 |
| Total domestic deposits to total assets | 87.2692% | 2,390 |
| Equity capital to assets | 7.5572% | 7,091 |
| Core capital (leverage) ratio | 7.0680% | 7,130 |
| Tier 1 risk-based capital ratio | 9.8673% | 7,129 |
| Total risk-based capital ratio | 11.9024% | 6,661 |
| Memoranda: | ||
| Average total assets | $2,659,007,500 | 265 |
| Average earning assets | $2,438,856,250 | 261 |
| Average equity | $192,026,250 | 360 |
| Average total loans | $1,791,156,000 | 269 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 5,477 |
| Cost of funding earning assets | 1.5418% | 3,001 |
| Net interest margin | 3.3405% | 5,873 |
| Noninterest income to average assets | 0.5537% | 3,680 |
| Noninterest expense to average assets | 2.5805% | 5,402 |
| Loan and lease loss provision to assets | 0.8926% | 1,633 |
| Net operating income to assets | 0.1006% | 5,865 |
| Return on assets (ROA) | 0.3671% | 5,067 |
| Pretax return on assets | 0.5586% | 4,706 |
| Return on Equity (ROE) | 5.1594% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.1594% | 2,809 |
| Net charge-offs to loans | 1.8729% | 991 |
| Credit loss provision to net charge-offs | 70.3235% | 4,959 |
| Earnings coverage of net charge-offs (x) | 0.8252% | 4,950 |
| Efficiency ratio | 71.1281% | 3,966 |
| Assets per employee ($millions) | 7.2597% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4105% | 1,423 |
| Loan loss allowance to noncurrent loans | 73.5665% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 4.2334% | 1,586 |
| Noncurrent loans to loans | 3.2766% | 2,449 |
| Net loans and leases to total assets | 66.1039% | 3,811 |
| Net loans and leases to deposits | 76.2374% | 4,288 |
| Net loans and leases to core deposits | 104.4043% | 1,600 |
| Total domestic deposits to total assets | 86.7081% | 2,699 |
| Equity capital to assets | 7.4016% | 7,167 |
| Core capital (leverage) ratio | 6.9700% | 7,211 |
| Tier 1 risk-based capital ratio | 9.7882% | 7,140 |
| Total risk-based capital ratio | 11.5963% | 6,786 |
| Memoranda: | ||
| Average total assets | $2,688,748,670 | 263 |
| Average earning assets | $2,474,512,330 | 255 |
| Average equity | $191,300,670 | 358 |
| Average total loans | $1,822,204,670 | 266 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8364% | 5,741 |
| Cost of funding earning assets | 1.5526% | 3,252 |
| Net interest margin | 3.2838% | 6,035 |
| Noninterest income to average assets | 0.5877% | 3,353 |
| Noninterest expense to average assets | 2.5392% | 5,579 |
| Loan and lease loss provision to assets | 0.8803% | 1,448 |
| Net operating income to assets | 0.1204% | 5,970 |
| Return on assets (ROA) | 0.5986% | 4,049 |
| Pretax return on assets | 0.9353% | 3,326 |
| Return on Equity (ROE) | 8.5790% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.5790% | 1,513 |
| Net charge-offs to loans | 1.3127% | 1,302 |
| Credit loss provision to net charge-offs | 98.9283% | 3,477 |
| Earnings coverage of net charge-offs (x) | 1.2007% | 4,045 |
| Efficiency ratio | 70.3851% | 4,230 |
| Assets per employee ($millions) | 7.4744% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6278% | 1,149 |
| Loan loss allowance to noncurrent loans | 77.6822% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 4.4649% | 1,523 |
| Noncurrent loans to loans | 3.3828% | 2,366 |
| Net loans and leases to total assets | 64.9267% | 4,111 |
| Net loans and leases to deposits | 75.4847% | 4,502 |
| Net loans and leases to core deposits | 109.0761% | 1,348 |
| Total domestic deposits to total assets | 86.0130% | 3,146 |
| Equity capital to assets | 6.9985% | 7,371 |
| Core capital (leverage) ratio | 6.7228% | 7,381 |
| Tier 1 risk-based capital ratio | 9.2395% | 7,414 |
| Total risk-based capital ratio | 10.6588% | 7,345 |
| Memoranda: | ||
| Average total assets | $2,726,375,000 | 270 |
| Average earning assets | $2,507,212,500 | 265 |
| Average equity | $190,231,000 | 366 |
| Average total loans | $1,848,158,500 | 272 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 6,305 |
| Cost of funding earning assets | 1.9391% | 3,253 |
| Net interest margin | 3.1008% | 6,369 |
| Noninterest income to average assets | 0.4363% | 4,905 |
| Noninterest expense to average assets | 2.4160% | 6,418 |
| Loan and lease loss provision to assets | 3.2599% | 499 |
| Net operating income to assets | -1.3428% | 6,789 |
| Return on assets (ROA) | -0.8298% | 6,460 |
| Pretax return on assets | -1.5202% | 6,716 |
| Return on Equity (ROE) | -11.0462% | 6,700 |
| Retained earnings to average equity (ytd only) | -19.4221% | 7,085 |
| Net charge-offs to loans | 3.8760% | 439 |
| Credit loss provision to net charge-offs | 118.2906% | 4,565 |
| Earnings coverage of net charge-offs (x) | 0.3404% | 5,775 |
| Efficiency ratio | 72.0302% | 4,258 |
| Assets per employee ($millions) | 7.3050% | 709 |
| Cash dividends to net income (ytd only)* | -75.8260% | 7,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5363% | 1,183 |
| Loan loss allowance to noncurrent loans | 71.8091% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 4.3840% | 1,477 |
| Noncurrent loans to loans | 3.5320% | 2,148 |
| Net loans and leases to total assets | 67.1454% | 3,888 |
| Net loans and leases to deposits | 84.4976% | 3,180 |
| Net loans and leases to core deposits | 97.9269% | 4,227 |
| Total domestic deposits to total assets | 79.4643% | 5,857 |
| Equity capital to assets | 6.9565% | 7,388 |
| Core capital (leverage) ratio | 6.8108% | 7,364 |
| Tier 1 risk-based capital ratio | 8.9938% | 7,469 |
| Total risk-based capital ratio | 10.2566% | 7,486 |
| Memoranda: | ||
| Average total assets | $2,906,969,000 | 257 |
| Average earning assets | $2,735,506,400 | 243 |
| Average equity | $218,364,200 | 330 |
| Average total loans | $2,066,883,200 | 253 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0575% | 6,424 |
| Cost of funding earning assets | 2.0201% | 3,252 |
| Net interest margin | 3.0373% | 6,500 |
| Noninterest income to average assets | 0.4662% | 4,776 |
| Noninterest expense to average assets | 2.1625% | 7,073 |
| Loan and lease loss provision to assets | 2.1945% | 791 |
| Net operating income to assets | -0.5477% | 6,474 |
| Return on assets (ROA) | -0.1288% | 5,969 |
| Pretax return on assets | -0.3625% | 6,154 |
| Return on Equity (ROE) | -1.6855% | 6,050 |
| Retained earnings to average equity (ytd only) | -10.4917% | 6,851 |
| Net charge-offs to loans | 3.1489% | 512 |
| Credit loss provision to net charge-offs | 97.3149% | 5,249 |
| Earnings coverage of net charge-offs (x) | 0.5221% | 5,505 |
| Efficiency ratio | 64.7477% | 5,603 |
| Assets per employee ($millions) | 7.2397% | 713 |
| Cash dividends to net income (ytd only)* | -522.4555% | 8,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 3,006 |
| Loan loss allowance to noncurrent loans | 31.8146% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 4.7655% | 1,247 |
| Noncurrent loans to loans | 5.0152% | 1,311 |
| Net loans and leases to total assets | 70.0574% | 3,501 |
| Net loans and leases to deposits | 86.8317% | 3,161 |
| Net loans and leases to core deposits | 97.6317% | 4,646 |
| Total domestic deposits to total assets | 80.6819% | 5,192 |
| Equity capital to assets | 7.9331% | 6,908 |
| Core capital (leverage) ratio | 7.6666% | 6,776 |
| Tier 1 risk-based capital ratio | 9.5724% | 7,325 |
| Total risk-based capital ratio | 10.8251% | 7,280 |
| Memoranda: | ||
| Average total assets | $2,950,695,000 | 262 |
| Average earning assets | $2,791,662,500 | 249 |
| Average equity | $225,441,500 | 324 |
| Average total loans | $2,113,055,500 | 262 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 6,591 |
| Cost of funding earning assets | 2.1153% | 3,201 |
| Net interest margin | 2.9425% | 6,704 |
| Noninterest income to average assets | 0.4002% | 5,281 |
| Noninterest expense to average assets | 2.0309% | 7,411 |
| Loan and lease loss provision to assets | 2.8351% | 535 |
| Net operating income to assets | -0.9516% | 6,937 |
| Return on assets (ROA) | -0.3400% | 6,392 |
| Pretax return on assets | -0.7213% | 6,619 |
| Return on Equity (ROE) | -4.5039% | 6,549 |
| Retained earnings to average equity (ytd only) | -16.1674% | 7,308 |
| Net charge-offs to loans | 3.9819% | 355 |
| Credit loss provision to net charge-offs | 99.2422% | 4,639 |
| Earnings coverage of net charge-offs (x) | 0.4054% | 5,285 |
| Efficiency ratio | 63.6829% | 5,970 |
| Assets per employee ($millions) | 7.1380% | 731 |
| Cash dividends to net income (ytd only)* | -258.9618% | 8,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 2,835 |
| Loan loss allowance to noncurrent loans | 36.1060% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 4.3744% | 1,306 |
| Noncurrent loans to loans | 4.3680% | 1,484 |
| Net loans and leases to total assets | 73.8167% | 2,754 |
| Net loans and leases to deposits | 88.9523% | 2,994 |
| Net loans and leases to core deposits | 99.6821% | 4,541 |
| Total domestic deposits to total assets | 82.9846% | 4,244 |
| Equity capital to assets | 7.6847% | 7,095 |
| Core capital (leverage) ratio | 7.1860% | 7,371 |
| Tier 1 risk-based capital ratio | 9.1779% | 7,602 |
| Total risk-based capital ratio | 10.4301% | 7,609 |
| Memoranda: | ||
| Average total assets | $3,002,748,330 | 262 |
| Average earning assets | $2,846,033,670 | 253 |
| Average equity | $226,691,000 | 326 |
| Average total loans | $2,154,233,000 | 267 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 6,864 |
| Cost of funding earning assets | 2.1531% | 3,402 |
| Net interest margin | 2.8744% | 6,818 |
| Noninterest income to average assets | 0.5014% | 4,310 |
| Noninterest expense to average assets | 1.6705% | 7,852 |
| Loan and lease loss provision to assets | 1.4509% | 872 |
| Net operating income to assets | 0.0784% | 6,044 |
| Return on assets (ROA) | 0.6581% | 3,942 |
| Pretax return on assets | 0.9832% | 3,408 |
| Return on Equity (ROE) | 8.7869% | 2,803 |
| Retained earnings to average equity (ytd only) | -11.0743% | 7,211 |
| Net charge-offs to loans | 3.2366% | 389 |
| Credit loss provision to net charge-offs | 63.7716% | 4,461 |
| Earnings coverage of net charge-offs (x) | 0.6896% | 4,456 |
| Efficiency ratio | 51.5676% | 7,460 |
| Assets per employee ($millions) | 8.0781% | 489 |
| Cash dividends to net income (ytd only)* | 226.0327% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 4,564 |
| Loan loss allowance to noncurrent loans | 25.5257% | 6,866 |
| Noncurrent assets plus other real estate owned to assets | 4.0213% | 1,275 |
| Noncurrent loans to loans | 4.8341% | 1,142 |
| Net loans and leases to total assets | 69.3222% | 3,838 |
| Net loans and leases to deposits | 86.3974% | 3,568 |
| Net loans and leases to core deposits | 96.4631% | 4,914 |
| Total domestic deposits to total assets | 80.2365% | 5,266 |
| Equity capital to assets | 7.5267% | 7,329 |
| Core capital (leverage) ratio | 7.1754% | 7,505 |
| Tier 1 risk-based capital ratio | 9.2610% | 7,617 |
| Total risk-based capital ratio | 10.3688% | 7,734 |
| Memoranda: | ||
| Average total assets | $3,119,358,000 | 257 |
| Average earning assets | $2,971,360,500 | 249 |
| Average equity | $233,621,000 | 318 |
| Average total loans | $2,192,782,000 | 265 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6985% | 6,785 |
| Cost of funding earning assets | 2.7640% | 2,861 |
| Net interest margin | 2.9345% | 7,066 |
| Noninterest income to average assets | 0.4585% | 4,975 |
| Noninterest expense to average assets | 1.7363% | 7,829 |
| Loan and lease loss provision to assets | 1.1876% | 1,216 |
| Net operating income to assets | 0.2529% | 5,701 |
| Return on assets (ROA) | 0.3110% | 5,319 |
| Pretax return on assets | 0.3729% | 5,327 |
| Return on Equity (ROE) | 4.2742% | 4,700 |
| Retained earnings to average equity (ytd only) | 0.4161% | 4,997 |
| Net charge-offs to loans | 1.3310% | 887 |
| Credit loss provision to net charge-offs | 126.4868% | 4,223 |
| Earnings coverage of net charge-offs (x) | 1.5874% | 5,298 |
| Efficiency ratio | 53.8086% | 7,287 |
| Assets per employee ($millions) | 8.2317% | 436 |
| Cash dividends to net income (ytd only)* | 90.2643% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 2,762 |
| Loan loss allowance to noncurrent loans | 34.1100% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 3.4320% | 1,297 |
| Noncurrent loans to loans | 4.3585% | 1,096 |
| Net loans and leases to total assets | 69.3541% | 4,177 |
| Net loans and leases to deposits | 82.9088% | 4,587 |
| Net loans and leases to core deposits | 91.9070% | 5,649 |
| Total domestic deposits to total assets | 83.6510% | 3,503 |
| Equity capital to assets | 7.4531% | 7,422 |
| Core capital (leverage) ratio | 7.2377% | 7,487 |
| Tier 1 risk-based capital ratio | 9.3869% | 7,421 |
| Total risk-based capital ratio | 10.6383% | 7,348 |
| Memoranda: | ||
| Average total assets | $2,992,474,400 | 257 |
| Average earning assets | $2,822,951,800 | 248 |
| Average equity | $217,723,000 | 344 |
| Average total loans | $2,110,988,800 | 262 |