Home > Bank Mutual > Performance and Condition Ratios
Bank Mutual, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 4,753 |
| Cost of funding earning assets | 0.2054% | 4,982 |
| Net interest margin | 3.3700% | 3,988 |
| Noninterest income to average assets | 0.5023% | 2,785 |
| Noninterest expense to average assets | 4.1285% | 448 |
| Loan and lease loss provision to assets | 0.2387% | 639 |
| Net operating income to assets | -0.6721% | 5,515 |
| Return on assets (ROA) | -0.6721% | 5,513 |
| Pretax return on assets | -0.9623% | 5,529 |
| Return on Equity (ROE) | -4.7026% | 5,496 |
| Retained earnings to average equity (ytd only) | -4.7026% | 5,188 |
| Net charge-offs to loans | 0.0088% | 2,419 |
| Credit loss provision to net charge-offs | 3,571.4286% | 110 |
| Earnings coverage of net charge-offs (x) | -108.2857% | 2,718 |
| Efficiency ratio | 116.7243% | 72 |
| Assets per employee ($millions) | 5.3457% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0783% | 5,542 |
| Loan loss allowance to noncurrent loans | 6.2016% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 1,334 |
| Noncurrent loans to loans | 1.2621% | 1,430 |
| Net loans and leases to total assets | 77.8946% | 1,259 |
| Net loans and leases to deposits | 104.0970% | 474 |
| Net loans and leases to core deposits | 106.0567% | 1,232 |
| Total domestic deposits to total assets | 74.8289% | 5,078 |
| Equity capital to assets | 19.0811% | 251 |
| Core capital (leverage) ratio | 11.3002% | 2,167 |
| Tier 1 risk-based capital ratio | 12.7680% | 4,077 |
| Total risk-based capital ratio | 12.9403% | 4,639 |
| Memoranda: | ||
| Average total assets | $2,514,040,000 | 359 |
| Average earning assets | $2,165,313,000 | 370 |
| Average equity | $359,290,500 | 303 |
| Average total loans | $1,912,156,000 | 337 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6621% | 4,428 |
| Cost of funding earning assets | 0.5373% | 2,057 |
| Net interest margin | 3.1247% | 4,639 |
| Noninterest income to average assets | 0.8253% | 1,478 |
| Noninterest expense to average assets | 2.5378% | 3,650 |
| Loan and lease loss provision to assets | 0.0287% | 3,697 |
| Net operating income to assets | 0.5606% | 4,186 |
| Return on assets (ROA) | 0.5606% | 4,219 |
| Pretax return on assets | 1.1411% | 3,017 |
| Return on Equity (ROE) | 5.6961% | 3,870 |
| Retained earnings to average equity (ytd only) | 3.4338% | 3,232 |
| Net charge-offs to loans | 0.0192% | 3,462 |
| Credit loss provision to net charge-offs | 200.2611% | 1,354 |
| Earnings coverage of net charge-offs (x) | 81.5953% | 760 |
| Efficiency ratio | 68.4474% | 2,808 |
| Assets per employee ($millions) | 4.7627% | 2,781 |
| Cash dividends to net income (ytd only)* | 39.7169% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,743 |
| Loan loss allowance to noncurrent loans | 402.3895% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 4,054 |
| Noncurrent loans to loans | 0.2560% | 3,870 |
| Net loans and leases to total assets | 73.5756% | 1,988 |
| Net loans and leases to deposits | 101.0497% | 657 |
| Net loans and leases to core deposits | 106.3285% | 1,246 |
| Total domestic deposits to total assets | 72.8113% | 5,274 |
| Equity capital to assets | 9.9536% | 3,755 |
| Core capital (leverage) ratio | 10.3295% | 3,043 |
| Tier 1 risk-based capital ratio | 14.2768% | 3,208 |
| Total risk-based capital ratio | 15.3331% | 3,218 |
| Memoranda: | ||
| Average total assets | $2,671,347,600 | 329 |
| Average earning assets | $2,464,132,200 | 327 |
| Average equity | $262,917,400 | 354 |
| Average total loans | $1,992,213,400 | 314 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5998% | 4,561 |
| Cost of funding earning assets | 0.5113% | 2,175 |
| Net interest margin | 3.0885% | 4,741 |
| Noninterest income to average assets | 0.8158% | 1,528 |
| Noninterest expense to average assets | 2.5876% | 3,446 |
| Loan and lease loss provision to assets | 0.0721% | 2,635 |
| Net operating income to assets | 0.6382% | 4,240 |
| Return on assets (ROA) | 0.6382% | 4,295 |
| Pretax return on assets | 1.0049% | 3,669 |
| Return on Equity (ROE) | 6.5020% | 3,913 |
| Retained earnings to average equity (ytd only) | 4.3220% | 3,335 |
| Net charge-offs to loans | 0.0110% | 3,335 |
| Credit loss provision to net charge-offs | 878.1818% | 407 |
| Earnings coverage of net charge-offs (x) | 131.1845% | 588 |
| Efficiency ratio | 70.6102% | 2,431 |
| Assets per employee ($millions) | 4.7578% | 2,749 |
| Cash dividends to net income (ytd only)* | 33.5283% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,794 |
| Loan loss allowance to noncurrent loans | 262.4720% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 3,731 |
| Noncurrent loans to loans | 0.4001% | 3,514 |
| Net loans and leases to total assets | 73.8626% | 1,938 |
| Net loans and leases to deposits | 100.0532% | 739 |
| Net loans and leases to core deposits | 107.1760% | 1,189 |
| Total domestic deposits to total assets | 73.8233% | 5,250 |
| Equity capital to assets | 9.9358% | 3,983 |
| Core capital (leverage) ratio | 10.1791% | 3,338 |
| Tier 1 risk-based capital ratio | 13.7320% | 3,562 |
| Total risk-based capital ratio | 14.7982% | 3,589 |
| Memoranda: | ||
| Average total assets | $2,679,548,750 | 331 |
| Average earning assets | $2,471,576,750 | 326 |
| Average equity | $262,989,000 | 357 |
| Average total loans | $1,999,883,500 | 316 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5314% | 4,681 |
| Cost of funding earning assets | 0.4811% | 2,318 |
| Net interest margin | 3.0503% | 4,791 |
| Noninterest income to average assets | 0.8267% | 1,479 |
| Noninterest expense to average assets | 2.6114% | 3,397 |
| Loan and lease loss provision to assets | 0.0773% | 2,437 |
| Net operating income to assets | 0.6069% | 4,272 |
| Return on assets (ROA) | 0.6069% | 4,318 |
| Pretax return on assets | 0.9473% | 3,774 |
| Return on Equity (ROE) | 6.2089% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.1168% | 3,260 |
| Net charge-offs to loans | 0.0043% | 3,337 |
| Credit loss provision to net charge-offs | 2,404.6512% | 175 |
| Earnings coverage of net charge-offs (x) | 318.7209% | 266 |
| Efficiency ratio | 71.8195% | 2,375 |
| Assets per employee ($millions) | 4.5621% | 3,010 |
| Cash dividends to net income (ytd only)* | 33.6947% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,987 |
| Loan loss allowance to noncurrent loans | 276.0976% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 3,791 |
| Noncurrent loans to loans | 0.3714% | 3,693 |
| Net loans and leases to total assets | 74.1373% | 1,837 |
| Net loans and leases to deposits | 103.3263% | 533 |
| Net loans and leases to core deposits | 105.3468% | 1,277 |
| Total domestic deposits to total assets | 71.7506% | 5,469 |
| Equity capital to assets | 9.7564% | 4,174 |
| Core capital (leverage) ratio | 10.1529% | 3,332 |
| Tier 1 risk-based capital ratio | 13.1862% | 3,892 |
| Total risk-based capital ratio | 14.2065% | 3,945 |
| Memoranda: | ||
| Average total assets | $2,675,088,670 | 334 |
| Average earning assets | $2,463,768,330 | 330 |
| Average equity | $261,464,330 | 360 |
| Average total loans | $1,996,453,000 | 318 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 4,710 |
| Cost of funding earning assets | 0.4611% | 2,421 |
| Net interest margin | 3.0322% | 4,827 |
| Noninterest income to average assets | 0.8296% | 1,458 |
| Noninterest expense to average assets | 2.6917% | 3,175 |
| Loan and lease loss provision to assets | 0.0993% | 1,906 |
| Net operating income to assets | 0.5489% | 4,385 |
| Return on assets (ROA) | 0.5489% | 4,429 |
| Pretax return on assets | 0.8296% | 4,006 |
| Return on Equity (ROE) | 5.6107% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.3646% | 3,757 |
| Net charge-offs to loans | 0.0071% | 2,725 |
| Credit loss provision to net charge-offs | 1,885.7143% | 183 |
| Earnings coverage of net charge-offs (x) | 176.3429% | 318 |
| Efficiency ratio | 74.3432% | 2,174 |
| Assets per employee ($millions) | 4.5762% | 3,049 |
| Cash dividends to net income (ytd only)* | 40.0329% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 4,114 |
| Loan loss allowance to noncurrent loans | 230.6972% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 3,555 |
| Noncurrent loans to loans | 0.4453% | 3,496 |
| Net loans and leases to total assets | 73.8491% | 1,770 |
| Net loans and leases to deposits | 101.0778% | 546 |
| Net loans and leases to core deposits | 102.7012% | 1,317 |
| Total domestic deposits to total assets | 73.0616% | 5,486 |
| Equity capital to assets | 9.7847% | 3,988 |
| Core capital (leverage) ratio | 10.1692% | 3,289 |
| Tier 1 risk-based capital ratio | 13.2413% | 3,913 |
| Total risk-based capital ratio | 14.2618% | 3,976 |
| Memoranda: | ||
| Average total assets | $2,657,683,000 | 339 |
| Average earning assets | $2,446,295,000 | 334 |
| Average equity | $260,002,500 | 361 |
| Average total loans | $1,979,749,000 | 320 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4993% | 4,783 |
| Cost of funding earning assets | 0.4560% | 2,482 |
| Net interest margin | 3.0433% | 4,866 |
| Noninterest income to average assets | 1.0473% | 1,028 |
| Noninterest expense to average assets | 2.6421% | 3,552 |
| Loan and lease loss provision to assets | 0.1163% | 2,129 |
| Net operating income to assets | 0.6758% | 3,888 |
| Return on assets (ROA) | 0.6758% | 4,002 |
| Pretax return on assets | 1.0804% | 3,174 |
| Return on Equity (ROE) | 6.7751% | 3,598 |
| Retained earnings to average equity (ytd only) | 2.4117% | 4,153 |
| Net charge-offs to loans | 0.0373% | 3,282 |
| Credit loss provision to net charge-offs | 430.9013% | 742 |
| Earnings coverage of net charge-offs (x) | 44.3476% | 1,092 |
| Efficiency ratio | 68.8274% | 3,101 |
| Assets per employee ($millions) | 4.5255% | 3,081 |
| Cash dividends to net income (ytd only)* | 64.4028% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 4,278 |
| Loan loss allowance to noncurrent loans | 241.0506% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 3,583 |
| Noncurrent loans to loans | 0.4177% | 3,646 |
| Net loans and leases to total assets | 73.6178% | 1,911 |
| Net loans and leases to deposits | 101.8877% | 540 |
| Net loans and leases to core deposits | 103.4385% | 1,325 |
| Total domestic deposits to total assets | 72.2538% | 5,542 |
| Equity capital to assets | 9.7814% | 3,969 |
| Core capital (leverage) ratio | 10.0878% | 3,381 |
| Tier 1 risk-based capital ratio | 13.1513% | 3,971 |
| Total risk-based capital ratio | 14.1406% | 4,035 |
| Memoranda: | ||
| Average total assets | $2,590,548,000 | 334 |
| Average earning assets | $2,376,111,800 | 331 |
| Average equity | $258,403,600 | 351 |
| Average total loans | $1,874,449,600 | 319 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4992% | 4,799 |
| Cost of funding earning assets | 0.4592% | 2,466 |
| Net interest margin | 3.0399% | 4,925 |
| Noninterest income to average assets | 1.0560% | 1,017 |
| Noninterest expense to average assets | 2.6475% | 3,506 |
| Loan and lease loss provision to assets | 0.1060% | 2,161 |
| Net operating income to assets | 0.6903% | 3,905 |
| Return on assets (ROA) | 0.6903% | 4,039 |
| Pretax return on assets | 1.0894% | 3,275 |
| Return on Equity (ROE) | 6.8858% | 3,621 |
| Retained earnings to average equity (ytd only) | 2.3557% | 4,501 |
| Net charge-offs to loans | 0.0306% | 3,040 |
| Credit loss provision to net charge-offs | 481.8824% | 733 |
| Earnings coverage of net charge-offs (x) | 54.3508% | 1,015 |
| Efficiency ratio | 68.8932% | 3,063 |
| Assets per employee ($millions) | 4.5252% | 3,045 |
| Cash dividends to net income (ytd only)* | 65.7895% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9799% | 4,513 |
| Loan loss allowance to noncurrent loans | 209.0919% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 3,628 |
| Noncurrent loans to loans | 0.4686% | 3,608 |
| Net loans and leases to total assets | 72.9152% | 2,033 |
| Net loans and leases to deposits | 100.1376% | 698 |
| Net loans and leases to core deposits | 101.7847% | 1,500 |
| Total domestic deposits to total assets | 72.8151% | 5,541 |
| Equity capital to assets | 9.8579% | 4,294 |
| Core capital (leverage) ratio | 9.9823% | 3,599 |
| Tier 1 risk-based capital ratio | 12.9561% | 4,189 |
| Total risk-based capital ratio | 13.9035% | 4,277 |
| Memoranda: | ||
| Average total assets | $2,576,329,000 | 335 |
| Average earning assets | $2,361,916,750 | 332 |
| Average equity | $258,265,500 | 352 |
| Average total loans | $1,850,862,250 | 322 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4667% | 4,948 |
| Cost of funding earning assets | 0.4593% | 2,485 |
| Net interest margin | 3.0074% | 5,067 |
| Noninterest income to average assets | 1.0669% | 984 |
| Noninterest expense to average assets | 2.6767% | 3,459 |
| Loan and lease loss provision to assets | 0.0519% | 3,107 |
| Net operating income to assets | 0.6889% | 3,851 |
| Return on assets (ROA) | 0.6889% | 4,002 |
| Pretax return on assets | 1.0938% | 3,221 |
| Return on Equity (ROE) | 6.8324% | 3,633 |
| Retained earnings to average equity (ytd only) | 1.9532% | 4,583 |
| Net charge-offs to loans | 0.0296% | 2,882 |
| Credit loss provision to net charge-offs | 246.0967% | 1,117 |
| Earnings coverage of net charge-offs (x) | 54.3309% | 939 |
| Efficiency ratio | 70.0260% | 2,983 |
| Assets per employee ($millions) | 4.2527% | 3,463 |
| Cash dividends to net income (ytd only)* | 71.4123% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 4,749 |
| Loan loss allowance to noncurrent loans | 139.4827% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 3,231 |
| Noncurrent loans to loans | 0.6822% | 3,025 |
| Net loans and leases to total assets | 71.1378% | 2,310 |
| Net loans and leases to deposits | 98.5807% | 828 |
| Net loans and leases to core deposits | 100.2783% | 1,612 |
| Total domestic deposits to total assets | 72.1620% | 5,662 |
| Equity capital to assets | 9.9233% | 4,319 |
| Core capital (leverage) ratio | 10.1363% | 3,404 |
| Tier 1 risk-based capital ratio | 13.0729% | 4,162 |
| Total risk-based capital ratio | 13.9788% | 4,272 |
| Memoranda: | ||
| Average total assets | $2,551,176,670 | 336 |
| Average earning assets | $2,337,552,000 | 334 |
| Average equity | $257,217,000 | 354 |
| Average total loans | $1,816,919,670 | 325 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5213% | 4,843 |
| Cost of funding earning assets | 0.4623% | 2,444 |
| Net interest margin | 3.0590% | 4,975 |
| Noninterest income to average assets | 1.0106% | 1,053 |
| Noninterest expense to average assets | 2.7201% | 3,351 |
| Loan and lease loss provision to assets | -0.0796% | 5,969 |
| Net operating income to assets | 0.7426% | 3,521 |
| Return on assets (ROA) | 0.7426% | 3,628 |
| Pretax return on assets | 1.1735% | 2,806 |
| Return on Equity (ROE) | 7.3059% | 3,286 |
| Retained earnings to average equity (ytd only) | 1.4040% | 4,701 |
| Net charge-offs to loans | 0.0188% | 2,559 |
| Credit loss provision to net charge-offs | -596.4286% | 4,602 |
| Earnings coverage of net charge-offs (x) | 81.9405% | 628 |
| Efficiency ratio | 71.3196% | 2,900 |
| Assets per employee ($millions) | 4.1118% | 3,739 |
| Cash dividends to net income (ytd only)* | 80.7832% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,926 |
| Loan loss allowance to noncurrent loans | 133.7918% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 3,180 |
| Noncurrent loans to loans | 0.6996% | 3,093 |
| Net loans and leases to total assets | 70.7235% | 2,233 |
| Net loans and leases to deposits | 96.5243% | 891 |
| Net loans and leases to core deposits | 98.1232% | 1,626 |
| Total domestic deposits to total assets | 73.2701% | 5,669 |
| Equity capital to assets | 10.1661% | 3,883 |
| Core capital (leverage) ratio | 10.3478% | 3,130 |
| Tier 1 risk-based capital ratio | 13.4065% | 4,042 |
| Total risk-based capital ratio | 14.2953% | 4,149 |
| Memoranda: | ||
| Average total assets | $2,516,933,500 | 338 |
| Average earning assets | $2,306,643,000 | 334 |
| Average equity | $255,847,500 | 349 |
| Average total loans | $1,784,642,000 | 324 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 4,846 |
| Cost of funding earning assets | 0.4349% | 2,791 |
| Net interest margin | 3.0942% | 4,914 |
| Noninterest income to average assets | 0.9499% | 1,321 |
| Noninterest expense to average assets | 2.9567% | 2,683 |
| Loan and lease loss provision to assets | -0.1512% | 5,922 |
| Net operating income to assets | 0.6046% | 4,247 |
| Return on assets (ROA) | 0.6046% | 4,347 |
| Pretax return on assets | 0.9615% | 3,609 |
| Return on Equity (ROE) | 5.7508% | 4,153 |
| Retained earnings to average equity (ytd only) | -3.9994% | 5,873 |
| Net charge-offs to loans | 0.0583% | 3,053 |
| Credit loss provision to net charge-offs | -372.8383% | 5,382 |
| Earnings coverage of net charge-offs (x) | 19.9858% | 1,908 |
| Efficiency ratio | 78.3625% | 1,911 |
| Assets per employee ($millions) | 3.9910% | 3,952 |
| Cash dividends to net income (ytd only)* | 169.5456% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 5,028 |
| Loan loss allowance to noncurrent loans | 118.2632% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 3,014 |
| Noncurrent loans to loans | 0.7736% | 2,856 |
| Net loans and leases to total assets | 69.7296% | 2,412 |
| Net loans and leases to deposits | 94.8803% | 1,123 |
| Net loans and leases to core deposits | 96.5190% | 1,797 |
| Total domestic deposits to total assets | 73.4922% | 5,686 |
| Equity capital to assets | 10.1583% | 3,796 |
| Core capital (leverage) ratio | 10.4770% | 2,957 |
| Tier 1 risk-based capital ratio | 13.6052% | 3,946 |
| Total risk-based capital ratio | 14.5466% | 4,054 |
| Memoranda: | ||
| Average total assets | $2,424,561,600 | 331 |
| Average earning assets | $2,207,403,400 | 327 |
| Average equity | $254,887,200 | 341 |
| Average total loans | $1,687,360,400 | 322 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 4,879 |
| Cost of funding earning assets | 0.4286% | 2,925 |
| Net interest margin | 3.1153% | 4,921 |
| Noninterest income to average assets | 0.9536% | 1,306 |
| Noninterest expense to average assets | 2.9680% | 2,614 |
| Loan and lease loss provision to assets | -0.1467% | 6,057 |
| Net operating income to assets | 0.6033% | 4,371 |
| Return on assets (ROA) | 0.6033% | 4,475 |
| Pretax return on assets | 0.9646% | 3,764 |
| Return on Equity (ROE) | 5.6885% | 4,309 |
| Retained earnings to average equity (ytd only) | -5.4945% | 6,038 |
| Net charge-offs to loans | 0.0601% | 2,741 |
| Credit loss provision to net charge-offs | -351.8617% | 5,300 |
| Earnings coverage of net charge-offs (x) | 19.6210% | 1,926 |
| Efficiency ratio | 78.2411% | 1,914 |
| Assets per employee ($millions) | 3.9576% | 3,958 |
| Cash dividends to net income (ytd only)* | 196.5907% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 4,192 |
| Loan loss allowance to noncurrent loans | 167.9349% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 3,479 |
| Noncurrent loans to loans | 0.6587% | 3,352 |
| Net loans and leases to total assets | 68.4928% | 2,605 |
| Net loans and leases to deposits | 93.8648% | 1,220 |
| Net loans and leases to core deposits | 95.3755% | 1,941 |
| Total domestic deposits to total assets | 72.9697% | 5,791 |
| Equity capital to assets | 10.2562% | 3,866 |
| Core capital (leverage) ratio | 10.4275% | 3,134 |
| Tier 1 risk-based capital ratio | 13.8634% | 3,926 |
| Total risk-based capital ratio | 14.9000% | 3,979 |
| Memoranda: | ||
| Average total assets | $2,405,108,000 | 338 |
| Average earning assets | $2,186,706,250 | 334 |
| Average equity | $255,059,000 | 348 |
| Average total loans | $1,668,948,250 | 330 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 4,795 |
| Cost of funding earning assets | 0.4225% | 3,014 |
| Net interest margin | 3.1513% | 4,825 |
| Noninterest income to average assets | 0.9377% | 1,340 |
| Noninterest expense to average assets | 2.9555% | 2,691 |
| Loan and lease loss provision to assets | -0.1439% | 6,124 |
| Net operating income to assets | 0.6225% | 4,250 |
| Return on assets (ROA) | 0.6225% | 4,360 |
| Pretax return on assets | 0.9864% | 3,637 |
| Return on Equity (ROE) | 5.8040% | 4,231 |
| Retained earnings to average equity (ytd only) | -8.0192% | 6,126 |
| Net charge-offs to loans | 0.0644% | 2,459 |
| Credit loss provision to net charge-offs | -321.9512% | 5,129 |
| Earnings coverage of net charge-offs (x) | 18.8499% | 1,786 |
| Efficiency ratio | 77.6617% | 2,114 |
| Assets per employee ($millions) | 3.8823% | 4,107 |
| Cash dividends to net income (ytd only)* | 238.1652% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 3,719 |
| Loan loss allowance to noncurrent loans | 176.6417% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 3,544 |
| Noncurrent loans to loans | 0.6864% | 3,429 |
| Net loans and leases to total assets | 67.5104% | 2,716 |
| Net loans and leases to deposits | 91.2934% | 1,452 |
| Net loans and leases to core deposits | 92.6761% | 2,093 |
| Total domestic deposits to total assets | 73.9488% | 5,804 |
| Equity capital to assets | 10.4236% | 3,527 |
| Core capital (leverage) ratio | 10.6699% | 2,770 |
| Tier 1 risk-based capital ratio | 14.4059% | 3,693 |
| Total risk-based capital ratio | 15.5421% | 3,688 |
| Memoranda: | ||
| Average total assets | $2,384,948,000 | 338 |
| Average earning assets | $2,164,723,000 | 335 |
| Average equity | $255,787,000 | 346 |
| Average total loans | $1,656,050,330 | 332 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6190% | 4,631 |
| Cost of funding earning assets | 0.4203% | 3,074 |
| Net interest margin | 3.1988% | 4,618 |
| Noninterest income to average assets | 0.9354% | 1,282 |
| Noninterest expense to average assets | 3.0033% | 2,571 |
| Loan and lease loss provision to assets | -0.1628% | 6,246 |
| Net operating income to assets | 0.6267% | 4,161 |
| Return on assets (ROA) | 0.6267% | 4,266 |
| Pretax return on assets | 0.9929% | 3,539 |
| Return on Equity (ROE) | 5.7603% | 4,156 |
| Retained earnings to average equity (ytd only) | -15.9286% | 6,231 |
| Net charge-offs to loans | 0.0434% | 2,374 |
| Credit loss provision to net charge-offs | -535.5556% | 4,839 |
| Earnings coverage of net charge-offs (x) | 27.3000% | 1,210 |
| Efficiency ratio | 78.1925% | 2,159 |
| Assets per employee ($millions) | 3.6607% | 4,592 |
| Cash dividends to net income (ytd only)* | 376.5229% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2755% | 3,548 |
| Loan loss allowance to noncurrent loans | 184.6725% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 3,438 |
| Noncurrent loans to loans | 0.6907% | 3,549 |
| Net loans and leases to total assets | 67.9484% | 2,446 |
| Net loans and leases to deposits | 91.1116% | 1,282 |
| Net loans and leases to core deposits | 92.5574% | 1,901 |
| Total domestic deposits to total assets | 74.5770% | 5,859 |
| Equity capital to assets | 10.5065% | 3,523 |
| Core capital (leverage) ratio | 10.7394% | 2,704 |
| Tier 1 risk-based capital ratio | 14.5776% | 3,683 |
| Total risk-based capital ratio | 15.7975% | 3,623 |
| Memoranda: | ||
| Average total assets | $2,368,088,000 | 341 |
| Average earning assets | $2,145,320,500 | 334 |
| Average equity | $257,624,500 | 344 |
| Average total loans | $1,657,629,500 | 327 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 4,636 |
| Cost of funding earning assets | 0.4467% | 3,201 |
| Net interest margin | 3.3059% | 4,539 |
| Noninterest income to average assets | 0.9265% | 1,423 |
| Noninterest expense to average assets | 2.8672% | 3,249 |
| Loan and lease loss provision to assets | 0.0100% | 4,426 |
| Net operating income to assets | 0.6506% | 4,138 |
| Return on assets (ROA) | 0.6538% | 4,225 |
| Pretax return on assets | 1.0496% | 3,305 |
| Return on Equity (ROE) | 5.6635% | 4,328 |
| Retained earnings to average equity (ytd only) | 0.4381% | 5,574 |
| Net charge-offs to loans | 0.0952% | 3,141 |
| Credit loss provision to net charge-offs | 15.4407% | 4,031 |
| Earnings coverage of net charge-offs (x) | 16.2942% | 2,019 |
| Efficiency ratio | 72.9533% | 3,046 |
| Assets per employee ($millions) | 3.5697% | 4,779 |
| Cash dividends to net income (ytd only)* | 92.2648% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 3,201 |
| Loan loss allowance to noncurrent loans | 185.6643% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 3,423 |
| Noncurrent loans to loans | 0.7243% | 3,516 |
| Net loans and leases to total assets | 70.2544% | 2,197 |
| Net loans and leases to deposits | 93.0095% | 1,182 |
| Net loans and leases to core deposits | 94.3447% | 1,883 |
| Total domestic deposits to total assets | 75.5346% | 5,803 |
| Equity capital to assets | 11.2645% | 2,635 |
| Core capital (leverage) ratio | 11.4361% | 2,031 |
| Tier 1 risk-based capital ratio | 16.9428% | 2,534 |
| Total risk-based capital ratio | 18.1949% | 2,489 |
| Memoranda: | ||
| Average total assets | $2,331,171,200 | 320 |
| Average earning assets | $2,112,232,400 | 321 |
| Average equity | $269,125,800 | 317 |
| Average total loans | $1,585,726,400 | 320 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 4,779 |
| Cost of funding earning assets | 0.4555% | 3,181 |
| Net interest margin | 3.2727% | 4,708 |
| Noninterest income to average assets | 0.9038% | 1,504 |
| Noninterest expense to average assets | 2.8092% | 3,426 |
| Loan and lease loss provision to assets | 0.0247% | 3,915 |
| Net operating income to assets | 0.6399% | 4,260 |
| Return on assets (ROA) | 0.6445% | 4,337 |
| Pretax return on assets | 1.0446% | 3,403 |
| Return on Equity (ROE) | 5.5490% | 4,464 |
| Retained earnings to average equity (ytd only) | 0.8570% | 5,539 |
| Net charge-offs to loans | 0.1239% | 2,573 |
| Credit loss provision to net charge-offs | 29.6500% | 3,456 |
| Earnings coverage of net charge-offs (x) | 12.7570% | 2,289 |
| Efficiency ratio | 72.3997% | 3,107 |
| Assets per employee ($millions) | 3.4981% | 4,864 |
| Cash dividends to net income (ytd only)* | 84.5561% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 3,237 |
| Loan loss allowance to noncurrent loans | 240.1449% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 3,945 |
| Noncurrent loans to loans | 0.5778% | 4,187 |
| Net loans and leases to total assets | 68.8643% | 2,397 |
| Net loans and leases to deposits | 92.0417% | 1,226 |
| Net loans and leases to core deposits | 93.4262% | 1,921 |
| Total domestic deposits to total assets | 74.8186% | 5,938 |
| Equity capital to assets | 11.6768% | 2,335 |
| Core capital (leverage) ratio | 11.3854% | 2,147 |
| Tier 1 risk-based capital ratio | 17.0029% | 2,622 |
| Total risk-based capital ratio | 18.2554% | 2,574 |
| Memoranda: | ||
| Average total assets | $2,332,099,750 | 319 |
| Average earning assets | $2,115,041,000 | 322 |
| Average equity | $270,863,250 | 311 |
| Average total loans | $1,567,800,750 | 319 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,766 |
| Cost of funding earning assets | 0.4659% | 3,150 |
| Net interest margin | 3.2641% | 4,718 |
| Noninterest income to average assets | 0.8355% | 1,719 |
| Noninterest expense to average assets | 2.7928% | 3,535 |
| Loan and lease loss provision to assets | 0.0286% | 3,703 |
| Net operating income to assets | 0.5765% | 4,474 |
| Return on assets (ROA) | 0.5776% | 4,566 |
| Pretax return on assets | 0.9749% | 3,590 |
| Return on Equity (ROE) | 4.9821% | 4,682 |
| Retained earnings to average equity (ytd only) | 0.7140% | 5,453 |
| Net charge-offs to loans | 0.1427% | 2,248 |
| Credit loss provision to net charge-offs | 30.2262% | 3,055 |
| Earnings coverage of net charge-offs (x) | 10.5864% | 2,238 |
| Efficiency ratio | 73.4303% | 3,078 |
| Assets per employee ($millions) | 3.4268% | 5,002 |
| Cash dividends to net income (ytd only)* | 85.6698% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 3,147 |
| Loan loss allowance to noncurrent loans | 231.1530% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 3,940 |
| Noncurrent loans to loans | 0.6232% | 4,156 |
| Net loans and leases to total assets | 66.7254% | 2,637 |
| Net loans and leases to deposits | 88.4969% | 1,533 |
| Net loans and leases to core deposits | 90.1120% | 2,115 |
| Total domestic deposits to total assets | 75.3986% | 5,982 |
| Equity capital to assets | 11.6323% | 2,293 |
| Core capital (leverage) ratio | 11.2203% | 2,226 |
| Tier 1 risk-based capital ratio | 16.8801% | 2,672 |
| Total risk-based capital ratio | 18.1329% | 2,639 |
| Memoranda: | ||
| Average total assets | $2,334,049,000 | 317 |
| Average earning assets | $2,116,414,330 | 315 |
| Average equity | $270,607,000 | 309 |
| Average total loans | $1,548,901,670 | 317 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 4,779 |
| Cost of funding earning assets | 0.4783% | 3,134 |
| Net interest margin | 3.2409% | 4,777 |
| Noninterest income to average assets | 0.8058% | 1,725 |
| Noninterest expense to average assets | 2.7997% | 3,569 |
| Loan and lease loss provision to assets | 0.0022% | 3,795 |
| Net operating income to assets | 0.5098% | 4,636 |
| Return on assets (ROA) | 0.5119% | 4,706 |
| Pretax return on assets | 0.9458% | 3,535 |
| Return on Equity (ROE) | 4.4225% | 4,829 |
| Retained earnings to average equity (ytd only) | 0.2889% | 5,460 |
| Net charge-offs to loans | 0.0003% | 3,659 |
| Credit loss provision to net charge-offs | 1,300.0000% | 251 |
| Earnings coverage of net charge-offs (x) | 5,516.0000% | 1 |
| Efficiency ratio | 74.5857% | 3,034 |
| Assets per employee ($millions) | 3.4345% | 5,066 |
| Cash dividends to net income (ytd only)* | 93.4673% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 2,965 |
| Loan loss allowance to noncurrent loans | 209.6665% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 3,805 |
| Noncurrent loans to loans | 0.7349% | 4,028 |
| Net loans and leases to total assets | 64.9849% | 2,728 |
| Net loans and leases to deposits | 84.4299% | 1,781 |
| Net loans and leases to core deposits | 86.2871% | 2,293 |
| Total domestic deposits to total assets | 76.9690% | 5,970 |
| Equity capital to assets | 11.6655% | 2,128 |
| Core capital (leverage) ratio | 11.1766% | 2,242 |
| Tier 1 risk-based capital ratio | 16.9835% | 2,702 |
| Total risk-based capital ratio | 18.2373% | 2,651 |
| Memoranda: | ||
| Average total assets | $2,332,531,500 | 322 |
| Average earning assets | $2,115,817,500 | 316 |
| Average equity | $269,982,000 | 308 |
| Average total loans | $1,532,241,500 | 322 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 5,053 |
| Cost of funding earning assets | 0.6149% | 2,523 |
| Net interest margin | 3.1091% | 5,282 |
| Noninterest income to average assets | 1.0325% | 1,321 |
| Noninterest expense to average assets | 2.9135% | 3,333 |
| Loan and lease loss provision to assets | 0.1903% | 1,937 |
| Net operating income to assets | 0.4751% | 4,841 |
| Return on assets (ROA) | 0.4771% | 4,974 |
| Pretax return on assets | 0.7315% | 4,411 |
| Return on Equity (ROE) | 4.2301% | 5,000 |
| Retained earnings to average equity (ytd only) | 0.1422% | 5,788 |
| Net charge-offs to loans | 0.1719% | 3,106 |
| Credit loss provision to net charge-offs | 178.9913% | 1,281 |
| Earnings coverage of net charge-offs (x) | 8.6513% | 2,633 |
| Efficiency ratio | 75.8517% | 2,797 |
| Assets per employee ($millions) | 3.3864% | 5,122 |
| Cash dividends to net income (ytd only)* | 96.6372% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,030 |
| Loan loss allowance to noncurrent loans | 181.6122% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 3,790 |
| Noncurrent loans to loans | 0.8457% | 3,866 |
| Net loans and leases to total assets | 64.3778% | 2,978 |
| Net loans and leases to deposits | 84.0413% | 1,939 |
| Net loans and leases to core deposits | 86.0719% | 2,437 |
| Total domestic deposits to total assets | 76.6026% | 6,040 |
| Equity capital to assets | 11.4849% | 2,179 |
| Core capital (leverage) ratio | 10.8854% | 2,493 |
| Tier 1 risk-based capital ratio | 16.5641% | 2,818 |
| Total risk-based capital ratio | 17.8177% | 2,785 |
| Memoranda: | ||
| Average total assets | $2,368,441,000 | 307 |
| Average earning assets | $2,133,635,000 | 306 |
| Average equity | $267,136,000 | 304 |
| Average total loans | $1,464,808,600 | 311 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 5,117 |
| Cost of funding earning assets | 0.6462% | 2,394 |
| Net interest margin | 3.0706% | 5,398 |
| Noninterest income to average assets | 1.0596% | 1,299 |
| Noninterest expense to average assets | 2.9080% | 3,280 |
| Loan and lease loss provision to assets | 0.1870% | 1,951 |
| Net operating income to assets | 0.4759% | 4,907 |
| Return on assets (ROA) | 0.4782% | 5,050 |
| Pretax return on assets | 0.7273% | 4,586 |
| Return on Equity (ROE) | 4.2589% | 5,095 |
| Retained earnings to average equity (ytd only) | 0.3121% | 5,842 |
| Net charge-offs to loans | 0.1968% | 2,660 |
| Credit loss provision to net charge-offs | 155.8521% | 1,518 |
| Earnings coverage of net charge-offs (x) | 7.6025% | 2,773 |
| Efficiency ratio | 75.9697% | 2,735 |
| Assets per employee ($millions) | 3.4490% | 4,954 |
| Cash dividends to net income (ytd only)* | 92.6709% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 3,225 |
| Loan loss allowance to noncurrent loans | 136.7732% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 3,422 |
| Noncurrent loans to loans | 1.1341% | 3,538 |
| Net loans and leases to total assets | 61.9851% | 3,362 |
| Net loans and leases to deposits | 79.4560% | 2,483 |
| Net loans and leases to core deposits | 81.3719% | 2,952 |
| Total domestic deposits to total assets | 78.0119% | 5,900 |
| Equity capital to assets | 11.4225% | 2,359 |
| Core capital (leverage) ratio | 10.8896% | 2,578 |
| Tier 1 risk-based capital ratio | 16.9645% | 2,719 |
| Total risk-based capital ratio | 18.2180% | 2,683 |
| Memoranda: | ||
| Average total assets | $2,373,861,000 | 307 |
| Average earning assets | $2,134,142,750 | 308 |
| Average equity | $266,539,500 | 303 |
| Average total loans | $1,447,420,750 | 318 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 5,123 |
| Cost of funding earning assets | 0.6870% | 2,162 |
| Net interest margin | 3.0200% | 5,523 |
| Noninterest income to average assets | 1.1097% | 1,233 |
| Noninterest expense to average assets | 2.9053% | 3,310 |
| Loan and lease loss provision to assets | 0.2196% | 1,728 |
| Net operating income to assets | 0.4569% | 4,982 |
| Return on assets (ROA) | 0.4591% | 5,148 |
| Pretax return on assets | 0.6983% | 4,684 |
| Return on Equity (ROE) | 4.1123% | 5,174 |
| Retained earnings to average equity (ytd only) | 0.2941% | 5,776 |
| Net charge-offs to loans | 0.2300% | 2,347 |
| Credit loss provision to net charge-offs | 158.2378% | 1,465 |
| Earnings coverage of net charge-offs (x) | 6.5975% | 2,690 |
| Efficiency ratio | 75.8839% | 2,808 |
| Assets per employee ($millions) | 3.4896% | 4,880 |
| Cash dividends to net income (ytd only)* | 92.8493% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 3,339 |
| Loan loss allowance to noncurrent loans | 113.1911% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3566% | 3,069 |
| Noncurrent loans to loans | 1.3736% | 3,253 |
| Net loans and leases to total assets | 60.5951% | 3,561 |
| Net loans and leases to deposits | 77.5670% | 2,626 |
| Net loans and leases to core deposits | 79.4166% | 3,104 |
| Total domestic deposits to total assets | 78.1197% | 5,957 |
| Equity capital to assets | 11.2950% | 2,471 |
| Core capital (leverage) ratio | 10.6879% | 2,681 |
| Tier 1 risk-based capital ratio | 16.9720% | 2,729 |
| Total risk-based capital ratio | 18.2255% | 2,694 |
| Memoranda: | ||
| Average total assets | $2,387,964,670 | 305 |
| Average earning assets | $2,143,771,330 | 308 |
| Average equity | $266,612,000 | 304 |
| Average total loans | $1,440,566,330 | 320 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 5,011 |
| Cost of funding earning assets | 0.7404% | 1,921 |
| Net interest margin | 3.0024% | 5,562 |
| Noninterest income to average assets | 1.0972% | 1,225 |
| Noninterest expense to average assets | 2.9804% | 3,050 |
| Loan and lease loss provision to assets | 0.1482% | 2,398 |
| Net operating income to assets | 0.4457% | 4,928 |
| Return on assets (ROA) | 0.4480% | 5,081 |
| Pretax return on assets | 0.6635% | 4,732 |
| Return on Equity (ROE) | 4.0361% | 5,070 |
| Retained earnings to average equity (ytd only) | 0.4391% | 5,649 |
| Net charge-offs to loans | 0.2853% | 1,825 |
| Credit loss provision to net charge-offs | 87.0117% | 2,068 |
| Earnings coverage of net charge-offs (x) | 4.7510% | 2,481 |
| Efficiency ratio | 78.4890% | 2,536 |
| Assets per employee ($millions) | 3.4922% | 4,994 |
| Cash dividends to net income (ytd only)* | 89.1199% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4920% | 3,863 |
| Loan loss allowance to noncurrent loans | 92.1688% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.5363% | 2,957 |
| Noncurrent loans to loans | 1.6187% | 3,111 |
| Net loans and leases to total assets | 59.1867% | 3,575 |
| Net loans and leases to deposits | 75.3658% | 2,723 |
| Net loans and leases to core deposits | 77.0365% | 3,197 |
| Total domestic deposits to total assets | 78.5326% | 6,041 |
| Equity capital to assets | 11.1728% | 2,774 |
| Core capital (leverage) ratio | 10.4636% | 2,830 |
| Tier 1 risk-based capital ratio | 16.9732% | 2,763 |
| Total risk-based capital ratio | 18.2259% | 2,736 |
| Memoranda: | ||
| Average total assets | $2,404,209,000 | 308 |
| Average earning assets | $2,156,120,000 | 310 |
| Average equity | $266,892,500 | 309 |
| Average total loans | $1,435,927,500 | 323 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 6,096 |
| Cost of funding earning assets | 0.9572% | 1,600 |
| Net interest margin | 2.7145% | 6,501 |
| Noninterest income to average assets | 0.9391% | 1,744 |
| Noninterest expense to average assets | 2.7647% | 4,162 |
| Loan and lease loss provision to assets | 0.1798% | 3,378 |
| Net operating income to assets | 0.2806% | 5,538 |
| Return on assets (ROA) | 0.2864% | 5,724 |
| Pretax return on assets | 0.4305% | 5,478 |
| Return on Equity (ROE) | 2.7287% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.1721% | 5,282 |
| Net charge-offs to loans | 0.7812% | 1,500 |
| Credit loss provision to net charge-offs | 41.7126% | 4,901 |
| Earnings coverage of net charge-offs (x) | 1.3979% | 4,756 |
| Efficiency ratio | 81.8702% | 1,880 |
| Assets per employee ($millions) | 3.5533% | 4,898 |
| Cash dividends to net income (ytd only)* | 57.0442% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5041% | 3,729 |
| Loan loss allowance to noncurrent loans | 83.6480% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.6454% | 2,929 |
| Noncurrent loans to loans | 1.7981% | 2,920 |
| Net loans and leases to total assets | 58.4785% | 3,887 |
| Net loans and leases to deposits | 74.2865% | 3,048 |
| Net loans and leases to core deposits | 75.4166% | 3,613 |
| Total domestic deposits to total assets | 78.7203% | 5,952 |
| Equity capital to assets | 11.0300% | 2,915 |
| Core capital (leverage) ratio | 10.2837% | 3,033 |
| Tier 1 risk-based capital ratio | 16.7692% | 2,761 |
| Total risk-based capital ratio | 18.0219% | 2,725 |
| Memoranda: | ||
| Average total assets | $2,527,624,600 | 287 |
| Average earning assets | $2,261,065,400 | 289 |
| Average equity | $265,331,200 | 301 |
| Average total loans | $1,394,777,200 | 321 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 6,319 |
| Cost of funding earning assets | 1.0031% | 1,536 |
| Net interest margin | 2.6439% | 6,707 |
| Noninterest income to average assets | 0.8549% | 2,003 |
| Noninterest expense to average assets | 2.7317% | 4,247 |
| Loan and lease loss provision to assets | 0.1272% | 3,957 |
| Net operating income to assets | 0.2430% | 5,799 |
| Return on assets (ROA) | 0.2525% | 5,968 |
| Pretax return on assets | 0.3750% | 5,778 |
| Return on Equity (ROE) | 2.4343% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.3628% | 5,629 |
| Net charge-offs to loans | 0.9037% | 1,207 |
| Credit loss provision to net charge-offs | 25.9749% | 4,861 |
| Earnings coverage of net charge-offs (x) | 0.9989% | 4,820 |
| Efficiency ratio | 84.5466% | 1,527 |
| Assets per employee ($millions) | 3.6789% | 4,587 |
| Cash dividends to net income (ytd only)* | 44.0174% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 4,093 |
| Loan loss allowance to noncurrent loans | 61.7986% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.9131% | 2,764 |
| Noncurrent loans to loans | 2.3696% | 2,433 |
| Net loans and leases to total assets | 56.8499% | 4,323 |
| Net loans and leases to deposits | 71.7563% | 3,647 |
| Net loans and leases to core deposits | 72.8638% | 4,145 |
| Total domestic deposits to total assets | 79.2263% | 5,820 |
| Equity capital to assets | 10.7857% | 3,522 |
| Core capital (leverage) ratio | 9.9337% | 3,642 |
| Tier 1 risk-based capital ratio | 16.6568% | 2,917 |
| Total risk-based capital ratio | 17.9091% | 2,882 |
| Memoranda: | ||
| Average total assets | $2,555,469,500 | 282 |
| Average earning assets | $2,286,892,750 | 286 |
| Average equity | $265,036,000 | 301 |
| Average total loans | $1,384,831,000 | 324 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 6,444 |
| Cost of funding earning assets | 1.0508% | 1,465 |
| Net interest margin | 2.5819% | 6,833 |
| Noninterest income to average assets | 0.8524% | 1,958 |
| Noninterest expense to average assets | 2.7284% | 4,295 |
| Loan and lease loss provision to assets | 0.1381% | 3,796 |
| Net operating income to assets | 0.2014% | 5,913 |
| Return on assets (ROA) | 0.2148% | 6,061 |
| Pretax return on assets | 0.3108% | 5,946 |
| Return on Equity (ROE) | 2.0977% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.0299% | 5,664 |
| Net charge-offs to loans | 0.5377% | 1,983 |
| Credit loss provision to net charge-offs | 48.3967% | 4,071 |
| Earnings coverage of net charge-offs (x) | 1.5090% | 4,237 |
| Efficiency ratio | 86.0540% | 1,431 |
| Assets per employee ($millions) | 3.8780% | 4,129 |
| Cash dividends to net income (ytd only)* | 50.9025% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 2,620 |
| Loan loss allowance to noncurrent loans | 51.6264% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 2.5399% | 2,201 |
| Noncurrent loans to loans | 3.6385% | 1,570 |
| Net loans and leases to total assets | 51.6357% | 5,142 |
| Net loans and leases to deposits | 67.2710% | 4,321 |
| Net loans and leases to core deposits | 68.3773% | 4,743 |
| Total domestic deposits to total assets | 76.7578% | 6,369 |
| Equity capital to assets | 10.0782% | 4,223 |
| Core capital (leverage) ratio | 9.2297% | 4,558 |
| Tier 1 risk-based capital ratio | 17.0078% | 2,657 |
| Total risk-based capital ratio | 18.2651% | 2,620 |
| Memoranda: | ||
| Average total assets | $2,579,549,670 | 282 |
| Average earning assets | $2,304,436,000 | 282 |
| Average equity | $264,103,670 | 301 |
| Average total loans | $1,368,877,330 | 327 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 6,492 |
| Cost of funding earning assets | 1.0370% | 1,762 |
| Net interest margin | 2.6273% | 6,856 |
| Noninterest income to average assets | 0.7719% | 2,291 |
| Noninterest expense to average assets | 2.8023% | 4,022 |
| Loan and lease loss provision to assets | 0.0080% | 5,184 |
| Net operating income to assets | 0.2056% | 5,968 |
| Return on assets (ROA) | 0.2082% | 6,102 |
| Pretax return on assets | 0.2985% | 5,980 |
| Return on Equity (ROE) | 2.0177% | 6,069 |
| Retained earnings to average equity (ytd only) | 0.8790% | 5,714 |
| Net charge-offs to loans | 0.8053% | 1,276 |
| Credit loss provision to net charge-offs | 1.8620% | 3,983 |
| Earnings coverage of net charge-offs (x) | 0.7079% | 3,984 |
| Efficiency ratio | 89.7442% | 1,117 |
| Assets per employee ($millions) | 3.8644% | 4,268 |
| Cash dividends to net income (ytd only)* | 56.4334% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 2,787 |
| Loan loss allowance to noncurrent loans | 42.7681% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 3.1126% | 1,865 |
| Noncurrent loans to loans | 4.3603% | 1,362 |
| Net loans and leases to total assets | 50.9198% | 5,177 |
| Net loans and leases to deposits | 64.4747% | 4,567 |
| Net loans and leases to core deposits | 65.8364% | 4,933 |
| Total domestic deposits to total assets | 78.9763% | 6,081 |
| Equity capital to assets | 10.1566% | 3,904 |
| Core capital (leverage) ratio | 9.2860% | 4,386 |
| Tier 1 risk-based capital ratio | 17.0488% | 2,667 |
| Total risk-based capital ratio | 18.3056% | 2,626 |
| Memoranda: | ||
| Average total assets | $2,552,751,000 | 281 |
| Average earning assets | $2,268,032,000 | 285 |
| Average equity | $263,468,500 | 298 |
| Average total loans | $1,360,479,000 | 326 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0651% | 6,327 |
| Cost of funding earning assets | 1.2210% | 1,891 |
| Net interest margin | 2.8441% | 6,768 |
| Noninterest income to average assets | 0.6234% | 3,047 |
| Noninterest expense to average assets | 4.6344% | 511 |
| Loan and lease loss provision to assets | 0.2654% | 3,566 |
| Net operating income to assets | -1.8971% | 7,011 |
| Return on assets (ROA) | -1.8665% | 7,018 |
| Pretax return on assets | -1.7788% | 6,971 |
| Return on Equity (ROE) | -16.7307% | 6,928 |
| Retained earnings to average equity (ytd only) | -16.9896% | 6,914 |
| Net charge-offs to loans | 1.9425% | 727 |
| Credit loss provision to net charge-offs | 25.0672% | 5,852 |
| Earnings coverage of net charge-offs (x) | -1.4581% | 6,248 |
| Efficiency ratio | 82.1512% | 1,996 |
| Assets per employee ($millions) | 3.6506% | 4,659 |
| Cash dividends to net income (ytd only)* | -1.5472% | 7,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 2,150 |
| Loan loss allowance to noncurrent loans | 37.1680% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 3.9994% | 1,436 |
| Noncurrent loans to loans | 5.4948% | 964 |
| Net loans and leases to total assets | 53.6463% | 5,091 |
| Net loans and leases to deposits | 65.4715% | 4,809 |
| Net loans and leases to core deposits | 67.6303% | 5,077 |
| Total domestic deposits to total assets | 81.9383% | 5,150 |
| Equity capital to assets | 10.4927% | 3,547 |
| Core capital (leverage) ratio | 9.5948% | 3,878 |
| Tier 1 risk-based capital ratio | 17.0902% | 2,563 |
| Total risk-based capital ratio | 18.3402% | 2,517 |
| Memoranda: | ||
| Average total assets | $2,527,883,200 | 278 |
| Average earning assets | $2,192,723,000 | 286 |
| Average equity | $282,014,000 | 275 |
| Average total loans | $1,377,990,800 | 323 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 6,351 |
| Cost of funding earning assets | 1.2513% | 1,990 |
| Net interest margin | 2.8754% | 6,791 |
| Noninterest income to average assets | 0.5331% | 3,631 |
| Noninterest expense to average assets | 5.2683% | 295 |
| Loan and lease loss provision to assets | 0.2670% | 3,373 |
| Net operating income to assets | -2.6009% | 7,226 |
| Return on assets (ROA) | -2.5607% | 7,229 |
| Pretax return on assets | -2.4747% | 7,202 |
| Return on Equity (ROE) | -22.6225% | 7,137 |
| Retained earnings to average equity (ytd only) | -22.6225% | 7,126 |
| Net charge-offs to loans | 1.6896% | 818 |
| Credit loss provision to net charge-offs | 29.0238% | 5,423 |
| Earnings coverage of net charge-offs (x) | -2.4432% | 6,043 |
| Efficiency ratio | 82.3721% | 1,915 |
| Assets per employee ($millions) | 3.6378% | 4,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5888% | 1,279 |
| Loan loss allowance to noncurrent loans | 39.5774% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 4.7504% | 1,240 |
| Noncurrent loans to loans | 6.5412% | 805 |
| Net loans and leases to total assets | 53.5503% | 5,234 |
| Net loans and leases to deposits | 65.2150% | 5,025 |
| Net loans and leases to core deposits | 67.4519% | 5,248 |
| Total domestic deposits to total assets | 82.1135% | 5,050 |
| Equity capital to assets | 10.7312% | 3,439 |
| Core capital (leverage) ratio | 9.5398% | 4,095 |
| Tier 1 risk-based capital ratio | 16.8528% | 2,690 |
| Total risk-based capital ratio | 18.1028% | 2,671 |
| Memoranda: | ||
| Average total assets | $2,535,604,000 | 279 |
| Average earning assets | $2,193,417,250 | 285 |
| Average equity | $287,017,000 | 271 |
| Average total loans | $1,380,619,750 | 323 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1873% | 6,306 |
| Cost of funding earning assets | 1.2799% | 2,063 |
| Net interest margin | 2.9074% | 6,778 |
| Noninterest income to average assets | 0.4860% | 3,972 |
| Noninterest expense to average assets | 6.6010% | 164 |
| Loan and lease loss provision to assets | 0.3128% | 2,918 |
| Net operating income to assets | -3.9969% | 7,391 |
| Return on assets (ROA) | -3.9379% | 7,388 |
| Pretax return on assets | -3.8632% | 7,380 |
| Return on Equity (ROE) | -34.2074% | 7,277 |
| Retained earnings to average equity (ytd only) | -34.2074% | 7,270 |
| Net charge-offs to loans | 1.9376% | 703 |
| Credit loss provision to net charge-offs | 29.7455% | 4,996 |
| Earnings coverage of net charge-offs (x) | -3.4320% | 5,767 |
| Efficiency ratio | 82.1748% | 2,076 |
| Assets per employee ($millions) | 3.6349% | 4,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8199% | 1,061 |
| Loan loss allowance to noncurrent loans | 35.8153% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 5.2562% | 1,153 |
| Noncurrent loans to loans | 7.8734% | 585 |
| Net loans and leases to total assets | 52.6939% | 5,475 |
| Net loans and leases to deposits | 65.0861% | 5,136 |
| Net loans and leases to core deposits | 66.9583% | 5,394 |
| Total domestic deposits to total assets | 80.9603% | 5,538 |
| Equity capital to assets | 10.3926% | 3,641 |
| Core capital (leverage) ratio | 9.4391% | 4,046 |
| Tier 1 risk-based capital ratio | 17.0967% | 2,481 |
| Total risk-based capital ratio | 18.3467% | 2,454 |
| Memoranda: | ||
| Average total assets | $2,547,754,330 | 281 |
| Average earning assets | $2,195,647,330 | 289 |
| Average equity | $293,293,330 | 269 |
| Average total loans | $1,382,869,330 | 327 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2154% | 6,250 |
| Cost of funding earning assets | 1.3244% | 2,042 |
| Net interest margin | 2.8910% | 6,773 |
| Noninterest income to average assets | 0.5773% | 3,324 |
| Noninterest expense to average assets | 2.4664% | 5,686 |
| Loan and lease loss provision to assets | 0.4967% | 1,760 |
| Net operating income to assets | 0.0609% | 6,208 |
| Return on assets (ROA) | 0.1881% | 5,881 |
| Pretax return on assets | 0.2612% | 5,776 |
| Return on Equity (ROE) | 1.5593% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.5593% | 5,179 |
| Net charge-offs to loans | 2.1977% | 554 |
| Credit loss provision to net charge-offs | 41.6154% | 3,913 |
| Earnings coverage of net charge-offs (x) | 0.4876% | 4,253 |
| Efficiency ratio | 80.3916% | 2,454 |
| Assets per employee ($millions) | 3.5518% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1747% | 783 |
| Loan loss allowance to noncurrent loans | 35.0270% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 5.8034% | 1,018 |
| Noncurrent loans to loans | 9.0637% | 488 |
| Net loans and leases to total assets | 52.4925% | 5,514 |
| Net loans and leases to deposits | 64.9721% | 5,136 |
| Net loans and leases to core deposits | 65.9608% | 5,515 |
| Total domestic deposits to total assets | 80.7925% | 5,722 |
| Equity capital to assets | 12.2329% | 1,770 |
| Core capital (leverage) ratio | 9.4764% | 3,854 |
| Tier 1 risk-based capital ratio | 17.1697% | 2,414 |
| Total risk-based capital ratio | 18.4197% | 2,389 |
| Memoranda: | ||
| Average total assets | $2,560,304,500 | 280 |
| Average earning assets | $2,188,436,000 | 291 |
| Average equity | $308,855,500 | 256 |
| Average total loans | $1,390,375,000 | 328 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9364% | 7,172 |
| Cost of funding earning assets | 2.3188% | 197 |
| Net interest margin | 1.6176% | 7,534 |
| Noninterest income to average assets | 0.5043% | 4,133 |
| Noninterest expense to average assets | 4.5838% | 599 |
| Loan and lease loss provision to assets | 1.5069% | 980 |
| Net operating income to assets | -2.5013% | 7,174 |
| Return on assets (ROA) | -2.1911% | 7,123 |
| Pretax return on assets | -3.6972% | 7,398 |
| Return on Equity (ROE) | -19.2379% | 7,023 |
| Retained earnings to average equity (ytd only) | -21.2243% | 7,036 |
| Net charge-offs to loans | 0.7179% | 2,863 |
| Credit loss provision to net charge-offs | 471.3499% | 486 |
| Earnings coverage of net charge-offs (x) | -8.3680% | 6,790 |
| Efficiency ratio | 239.5153% | 57 |
| Assets per employee ($millions) | 3.5847% | 4,741 |
| Cash dividends to net income (ytd only)* | -10.3257% | 7,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4038% | 631 |
| Loan loss allowance to noncurrent loans | 39.0293% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 5.4875% | 1,129 |
| Noncurrent loans to loans | 8.7212% | 549 |
| Net loans and leases to total assets | 52.5428% | 5,846 |
| Net loans and leases to deposits | 64.6680% | 5,551 |
| Net loans and leases to core deposits | 65.8630% | 5,890 |
| Total domestic deposits to total assets | 81.2501% | 5,436 |
| Equity capital to assets | 11.8977% | 1,971 |
| Core capital (leverage) ratio | 9.1178% | 4,321 |
| Tier 1 risk-based capital ratio | 16.6068% | 2,493 |
| Total risk-based capital ratio | 17.8567% | 2,464 |
| Memoranda: | ||
| Average total assets | $3,292,892,200 | 230 |
| Average earning assets | $2,858,850,600 | 232 |
| Average equity | $375,041,200 | 220 |
| Average total loans | $1,466,305,200 | 323 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9711% | 7,302 |
| Cost of funding earning assets | 2.2863% | 284 |
| Net interest margin | 1.6848% | 7,642 |
| Noninterest income to average assets | 0.4993% | 4,194 |
| Noninterest expense to average assets | 1.7615% | 7,379 |
| Loan and lease loss provision to assets | 0.6028% | 2,532 |
| Net operating income to assets | -0.2781% | 6,410 |
| Return on assets (ROA) | 0.1602% | 5,770 |
| Pretax return on assets | 0.2289% | 5,665 |
| Return on Equity (ROE) | 1.4187% | 5,789 |
| Retained earnings to average equity (ytd only) | -1.1171% | 6,031 |
| Net charge-offs to loans | 1.1601% | 1,758 |
| Credit loss provision to net charge-offs | 121.7219% | 3,380 |
| Earnings coverage of net charge-offs (x) | 0.4148% | 5,604 |
| Efficiency ratio | 88.9629% | 1,372 |
| Assets per employee ($millions) | 4.7345% | 2,548 |
| Cash dividends to net income (ytd only)* | 178.7430% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 7,002 |
| Loan loss allowance to noncurrent loans | 18.3404% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 2.4554% | 2,912 |
| Noncurrent loans to loans | 4.3701% | 1,664 |
| Net loans and leases to total assets | 42.1585% | 6,966 |
| Net loans and leases to deposits | 68.6371% | 5,332 |
| Net loans and leases to core deposits | 70.0456% | 5,747 |
| Total domestic deposits to total assets | 61.4223% | 7,572 |
| Equity capital to assets | 11.3579% | 2,651 |
| Core capital (leverage) ratio | 9.9792% | 3,280 |
| Tier 1 risk-based capital ratio | 21.1375% | 1,337 |
| Total risk-based capital ratio | 21.8721% | 1,406 |
| Memoranda: | ||
| Average total assets | $3,468,186,750 | 222 |
| Average earning assets | $3,021,199,500 | 222 |
| Average equity | $391,713,000 | 212 |
| Average total loans | $1,480,445,750 | 321 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 7,437 |
| Cost of funding earning assets | 2.2152% | 440 |
| Net interest margin | 1.6714% | 7,718 |
| Noninterest income to average assets | 0.3942% | 4,953 |
| Noninterest expense to average assets | 1.7436% | 7,465 |
| Loan and lease loss provision to assets | 0.5469% | 2,594 |
| Net operating income to assets | -0.2591% | 6,426 |
| Return on assets (ROA) | 0.1799% | 5,755 |
| Pretax return on assets | 0.2610% | 5,623 |
| Return on Equity (ROE) | 1.5956% | 5,761 |
| Retained earnings to average equity (ytd only) | -1.3356% | 6,036 |
| Net charge-offs to loans | 1.2105% | 1,576 |
| Credit loss provision to net charge-offs | 105.6864% | 3,855 |
| Earnings coverage of net charge-offs (x) | 0.3317% | 5,394 |
| Efficiency ratio | 90.4279% | 1,304 |
| Assets per employee ($millions) | 4.6874% | 2,602 |
| Cash dividends to net income (ytd only)* | 183.7061% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6506% | 7,335 |
| Loan loss allowance to noncurrent loans | 16.3259% | 7,102 |
| Noncurrent assets plus other real estate owned to assets | 2.2455% | 3,203 |
| Noncurrent loans to loans | 3.9852% | 1,904 |
| Net loans and leases to total assets | 41.2445% | 7,080 |
| Net loans and leases to deposits | 67.0612% | 5,677 |
| Net loans and leases to core deposits | 68.5011% | 6,020 |
| Total domestic deposits to total assets | 61.5028% | 7,636 |
| Equity capital to assets | 11.2379% | 2,652 |
| Core capital (leverage) ratio | 9.8539% | 3,337 |
| Tier 1 risk-based capital ratio | 21.2491% | 1,304 |
| Total risk-based capital ratio | 21.8421% | 1,380 |
| Memoranda: | ||
| Average total assets | $3,480,086,330 | 222 |
| Average earning assets | $3,167,006,330 | 215 |
| Average equity | $392,331,670 | 211 |
| Average total loans | $1,487,668,670 | 317 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 7,424 |
| Cost of funding earning assets | 2.2604% | 480 |
| Net interest margin | 1.7807% | 7,781 |
| Noninterest income to average assets | 0.4028% | 4,897 |
| Noninterest expense to average assets | 1.7459% | 7,527 |
| Loan and lease loss provision to assets | 0.3870% | 3,039 |
| Net operating income to assets | -0.0720% | 6,401 |
| Return on assets (ROA) | 0.2606% | 5,574 |
| Pretax return on assets | 0.3939% | 5,312 |
| Return on Equity (ROE) | 2.3075% | 5,628 |
| Retained earnings to average equity (ytd only) | 0.9837% | 5,422 |
| Net charge-offs to loans | 0.9842% | 1,666 |
| Credit loss provision to net charge-offs | 90.6789% | 3,648 |
| Earnings coverage of net charge-offs (x) | 0.6490% | 4,447 |
| Efficiency ratio | 85.7330% | 1,818 |
| Assets per employee ($millions) | 4.5585% | 2,863 |
| Cash dividends to net income (ytd only)* | 57.3698% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 7,531 |
| Loan loss allowance to noncurrent loans | 17.6480% | 7,123 |
| Noncurrent assets plus other real estate owned to assets | 1.9661% | 3,540 |
| Noncurrent loans to loans | 3.2541% | 2,452 |
| Net loans and leases to total assets | 42.9428% | 7,064 |
| Net loans and leases to deposits | 69.8866% | 5,358 |
| Net loans and leases to core deposits | 71.4034% | 5,781 |
| Total domestic deposits to total assets | 61.4464% | 7,730 |
| Equity capital to assets | 11.4309% | 2,417 |
| Core capital (leverage) ratio | 10.0609% | 3,087 |
| Tier 1 risk-based capital ratio | 21.4490% | 1,276 |
| Total risk-based capital ratio | 21.9873% | 1,362 |
| Memoranda: | ||
| Average total assets | $3,478,766,000 | 224 |
| Average earning assets | $3,164,967,500 | 218 |
| Average equity | $392,804,000 | 213 |
| Average total loans | $1,508,583,000 | 323 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 6,989 |
| Cost of funding earning assets | 2.6420% | 685 |
| Net interest margin | 2.1390% | 7,681 |
| Noninterest income to average assets | 0.4863% | 4,518 |
| Noninterest expense to average assets | 1.8847% | 7,525 |
| Loan and lease loss provision to assets | 0.3542% | 4,677 |
| Net operating income to assets | 0.1329% | 5,101 |
| Return on assets (ROA) | 0.4068% | 4,209 |
| Pretax return on assets | 0.5710% | 3,984 |
| Return on Equity (ROE) | 3.6952% | 4,208 |
| Retained earnings to average equity (ytd only) | -1.4107% | 5,370 |
| Net charge-offs to loans | 0.9338% | 2,530 |
| Credit loss provision to net charge-offs | 78.9380% | 6,310 |
| Earnings coverage of net charge-offs (x) | 1.2023% | 4,922 |
| Efficiency ratio | 77.2730% | 3,312 |
| Assets per employee ($millions) | 4.5720% | 2,805 |
| Cash dividends to net income (ytd only)* | 138.1777% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 7,578 |
| Loan loss allowance to noncurrent loans | 20.8858% | 7,019 |
| Noncurrent assets plus other real estate owned to assets | 1.7163% | 3,795 |
| Noncurrent loans to loans | 2.7856% | 2,773 |
| Net loans and leases to total assets | 43.2836% | 7,162 |
| Net loans and leases to deposits | 70.1300% | 5,590 |
| Net loans and leases to core deposits | 82.6911% | 5,850 |
| Total domestic deposits to total assets | 61.7190% | 7,769 |
| Equity capital to assets | 11.1547% | 2,575 |
| Core capital (leverage) ratio | 9.8394% | 3,286 |
| Tier 1 risk-based capital ratio | 20.3239% | 1,403 |
| Total risk-based capital ratio | 20.8558% | 1,500 |
| Memoranda: | ||
| Average total assets | $3,504,942,000 | 227 |
| Average earning assets | $3,175,232,200 | 222 |
| Average equity | $385,827,200 | 216 |
| Average total loans | $1,683,975,800 | 303 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 6,852 |
| Cost of funding earning assets | 2.7154% | 762 |
| Net interest margin | 2.1982% | 7,710 |
| Noninterest income to average assets | 0.4666% | 4,774 |
| Noninterest expense to average assets | 1.9309% | 7,491 |
| Loan and lease loss provision to assets | 0.3357% | 4,323 |
| Net operating income to assets | 0.1324% | 5,371 |
| Return on assets (ROA) | 0.4832% | 4,154 |
| Pretax return on assets | 0.6839% | 3,912 |
| Return on Equity (ROE) | 4.4040% | 4,208 |
| Retained earnings to average equity (ytd only) | -1.0767% | 5,509 |
| Net charge-offs to loans | 0.9687% | 2,037 |
| Credit loss provision to net charge-offs | 70.4801% | 5,976 |
| Earnings coverage of net charge-offs (x) | 1.1035% | 4,958 |
| Efficiency ratio | 78.1326% | 3,145 |
| Assets per employee ($millions) | 4.6280% | 2,663 |
| Cash dividends to net income (ytd only)* | 124.4486% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5351% | 7,669 |
| Loan loss allowance to noncurrent loans | 25.4530% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 1.3982% | 4,304 |
| Noncurrent loans to loans | 2.1021% | 3,503 |
| Net loans and leases to total assets | 44.4620% | 7,212 |
| Net loans and leases to deposits | 74.0788% | 5,354 |
| Net loans and leases to core deposits | 87.2171% | 5,727 |
| Total domestic deposits to total assets | 60.0200% | 7,875 |
| Equity capital to assets | 11.0005% | 3,001 |
| Core capital (leverage) ratio | 9.7261% | 3,612 |
| Tier 1 risk-based capital ratio | 19.4160% | 1,661 |
| Total risk-based capital ratio | 19.9016% | 1,788 |
| Memoranda: | ||
| Average total assets | $3,503,360,250 | 236 |
| Average earning assets | $3,171,361,500 | 231 |
| Average equity | $384,366,500 | 224 |
| Average total loans | $1,722,795,750 | 310 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1024% | 6,427 |
| Cost of funding earning assets | 2.7765% | 838 |
| Net interest margin | 2.3258% | 7,656 |
| Noninterest income to average assets | 0.4152% | 5,162 |
| Noninterest expense to average assets | 1.9638% | 7,528 |
| Loan and lease loss provision to assets | 0.2085% | 4,960 |
| Net operating income to assets | 0.2636% | 5,033 |
| Return on assets (ROA) | 0.6533% | 3,562 |
| Pretax return on assets | 0.9074% | 3,311 |
| Return on Equity (ROE) | 5.9604% | 3,666 |
| Retained earnings to average equity (ytd only) | -1.3697% | 5,584 |
| Net charge-offs to loans | 0.2771% | 3,812 |
| Credit loss provision to net charge-offs | 148.4069% | 3,112 |
| Earnings coverage of net charge-offs (x) | 4.0891% | 3,221 |
| Efficiency ratio | 76.9106% | 3,524 |
| Assets per employee ($millions) | 4.4646% | 2,817 |
| Cash dividends to net income (ytd only)* | 122.9796% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 7,148 |
| Loan loss allowance to noncurrent loans | 37.8444% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 4,317 |
| Noncurrent loans to loans | 2.1175% | 3,359 |
| Net loans and leases to total assets | 48.0986% | 7,024 |
| Net loans and leases to deposits | 78.2486% | 4,825 |
| Net loans and leases to core deposits | 91.4412% | 5,402 |
| Total domestic deposits to total assets | 61.4689% | 7,909 |
| Equity capital to assets | 11.1297% | 2,808 |
| Core capital (leverage) ratio | 9.9939% | 3,305 |
| Tier 1 risk-based capital ratio | 20.2719% | 1,522 |
| Total risk-based capital ratio | 21.0712% | 1,567 |
| Memoranda: | ||
| Average total assets | $3,484,844,670 | 243 |
| Average earning assets | $3,181,079,670 | 236 |
| Average equity | $381,990,000 | 229 |
| Average total loans | $1,766,769,330 | 314 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2545% | 6,099 |
| Cost of funding earning assets | 2.8577% | 855 |
| Net interest margin | 2.3968% | 7,618 |
| Noninterest income to average assets | 0.3824% | 5,361 |
| Noninterest expense to average assets | 1.8310% | 7,658 |
| Loan and lease loss provision to assets | 0.3609% | 3,154 |
| Net operating income to assets | 0.3009% | 5,295 |
| Return on assets (ROA) | 0.8457% | 3,076 |
| Pretax return on assets | 1.0497% | 3,175 |
| Return on Equity (ROE) | 7.7737% | 3,256 |
| Retained earnings to average equity (ytd only) | 0.4281% | 5,489 |
| Net charge-offs to loans | 0.4089% | 2,469 |
| Credit loss provision to net charge-offs | 170.4043% | 2,518 |
| Earnings coverage of net charge-offs (x) | 3.4846% | 3,164 |
| Efficiency ratio | 70.8261% | 4,406 |
| Assets per employee ($millions) | 4.5897% | 2,578 |
| Cash dividends to net income (ytd only)* | 94.4924% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 7,274 |
| Loan loss allowance to noncurrent loans | 43.3637% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 1.1170% | 4,451 |
| Noncurrent loans to loans | 1.7622% | 3,624 |
| Net loans and leases to total assets | 49.8505% | 6,876 |
| Net loans and leases to deposits | 80.0992% | 4,593 |
| Net loans and leases to core deposits | 93.8972% | 5,162 |
| Total domestic deposits to total assets | 62.2360% | 7,904 |
| Equity capital to assets | 10.8911% | 3,083 |
| Core capital (leverage) ratio | 9.8256% | 3,607 |
| Tier 1 risk-based capital ratio | 19.7692% | 1,658 |
| Total risk-based capital ratio | 20.5506% | 1,711 |
| Memoranda: | ||
| Average total assets | $3,503,915,000 | 243 |
| Average earning assets | $3,196,445,500 | 238 |
| Average equity | $381,181,000 | 227 |
| Average total loans | $1,814,550,000 | 308 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 7,371 |
| Cost of funding earning assets | 3.2183% | 1,132 |
| Net interest margin | 2.2481% | 7,940 |
| Noninterest income to average assets | 0.4798% | 4,802 |
| Noninterest expense to average assets | 1.7578% | 7,807 |
| Loan and lease loss provision to assets | 0.0411% | 6,900 |
| Net operating income to assets | 0.4897% | 4,787 |
| Return on assets (ROA) | 0.5071% | 4,546 |
| Pretax return on assets | 0.7761% | 4,154 |
| Return on Equity (ROE) | 4.7599% | 4,494 |
| Retained earnings to average equity (ytd only) | -2.2701% | 5,943 |
| Net charge-offs to loans | 0.0530% | 6,031 |
| Credit loss provision to net charge-offs | 142.8430% | 3,711 |
| Earnings coverage of net charge-offs (x) | 27.5035% | 1,240 |
| Efficiency ratio | 68.2932% | 4,673 |
| Assets per employee ($millions) | 4.6562% | 2,392 |
| Cash dividends to net income (ytd only)* | 147.6923% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 7,536 |
| Loan loss allowance to noncurrent loans | 36.8956% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 1.0853% | 4,122 |
| Noncurrent loans to loans | 1.7783% | 3,098 |
| Net loans and leases to total assets | 53.0029% | 6,748 |
| Net loans and leases to deposits | 85.3461% | 4,204 |
| Net loans and leases to core deposits | 99.5192% | 4,870 |
| Total domestic deposits to total assets | 62.1035% | 7,883 |
| Equity capital to assets | 10.8663% | 3,150 |
| Core capital (leverage) ratio | 9.7870% | 3,666 |
| Tier 1 risk-based capital ratio | 19.8869% | 1,637 |
| Total risk-based capital ratio | 20.6058% | 1,699 |
| Memoranda: | ||
| Average total assets | $3,524,890,800 | 230 |
| Average earning assets | $3,243,118,400 | 226 |
| Average equity | $375,535,800 | 231 |
| Average total loans | $1,909,869,000 | 286 |