Home > CoBiz Bank > Performance and Condition Ratios
CoBiz Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3007% | 5,391 |
| Cost of funding earning assets | 0.0984% | 5,288 |
| Net interest margin | 1.2023% | 5,387 |
| Noninterest income to average assets | 0.0770% | 5,212 |
| Noninterest expense to average assets | 0.6417% | 5,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4440% | 4,778 |
| Return on assets (ROA) | 0.3983% | 4,863 |
| Pretax return on assets | 0.4877% | 4,814 |
| Return on Equity (ROE) | 3.1505% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.1505% | 3,817 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5303% | 5,102 |
| Assets per employee ($millions) | 11.6984% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 3,343 |
| Noncurrent loans to loans | 0.4657% | 2,880 |
| Net loans and leases to total assets | 65.7236% | 3,170 |
| Net loans and leases to deposits | 87.9042% | 2,053 |
| Net loans and leases to core deposits | 88.8340% | 2,668 |
| Total domestic deposits to total assets | 74.7673% | 4,895 |
| Equity capital to assets | 22.3209% | 165 |
| Core capital (leverage) ratio | 8.2547% | 5,147 |
| Tier 1 risk-based capital ratio | 10.6508% | 5,126 |
| Total risk-based capital ratio | 12.8282% | 4,579 |
| Memoranda: | ||
| Average total assets | $3,939,809,800 | 269 |
| Average earning assets | $3,630,942,800 | 265 |
| Average equity | $498,081,000 | 242 |
| Average total loans | $3,050,819,800 | 253 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 3,064 |
| Cost of funding earning assets | 0.3006% | 4,510 |
| Net interest margin | 3.9724% | 2,042 |
| Noninterest income to average assets | 0.3842% | 3,574 |
| Noninterest expense to average assets | 2.7956% | 2,647 |
| Loan and lease loss provision to assets | -0.0645% | 5,315 |
| Net operating income to assets | 1.2197% | 2,156 |
| Return on assets (ROA) | 1.2231% | 2,144 |
| Pretax return on assets | 1.4493% | 2,061 |
| Return on Equity (ROE) | 12.4414% | 1,621 |
| Retained earnings to average equity (ytd only) | -11.8550% | 5,403 |
| Net charge-offs to loans | 0.0270% | 2,569 |
| Credit loss provision to net charge-offs | -295.8333% | 4,397 |
| Earnings coverage of net charge-offs (x) | 63.3349% | 1,021 |
| Efficiency ratio | 66.9388% | 2,721 |
| Assets per employee ($millions) | 8.7204% | 490 |
| Cash dividends to net income (ytd only)* | 195.2871% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,905 |
| Loan loss allowance to noncurrent loans | 211.7343% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 2,947 |
| Noncurrent loans to loans | 0.5429% | 2,757 |
| Net loans and leases to total assets | 79.2187% | 1,130 |
| Net loans and leases to deposits | 91.6282% | 1,668 |
| Net loans and leases to core deposits | 92.7836% | 2,409 |
| Total domestic deposits to total assets | 86.4566% | 1,991 |
| Equity capital to assets | 9.7897% | 3,827 |
| Core capital (leverage) ratio | 9.7935% | 3,848 |
| Tier 1 risk-based capital ratio | 11.2497% | 4,927 |
| Total risk-based capital ratio | 14.1780% | 3,854 |
| Memoranda: | ||
| Average total assets | $3,816,338,250 | 271 |
| Average earning assets | $3,643,136,750 | 264 |
| Average equity | $375,191,000 | 297 |
| Average total loans | $3,085,028,750 | 249 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 3,065 |
| Cost of funding earning assets | 0.2766% | 4,584 |
| Net interest margin | 3.9401% | 2,066 |
| Noninterest income to average assets | 0.3900% | 3,551 |
| Noninterest expense to average assets | 2.4497% | 3,777 |
| Loan and lease loss provision to assets | -0.0634% | 5,390 |
| Net operating income to assets | 1.4670% | 1,235 |
| Return on assets (ROA) | 1.4672% | 1,237 |
| Pretax return on assets | 1.7646% | 1,053 |
| Return on Equity (ROE) | 14.9026% | 872 |
| Retained earnings to average equity (ytd only) | -19.7075% | 5,494 |
| Net charge-offs to loans | 0.0570% | 1,791 |
| Credit loss provision to net charge-offs | -137.2304% | 4,122 |
| Earnings coverage of net charge-offs (x) | 36.8320% | 1,353 |
| Efficiency ratio | 59.0187% | 4,082 |
| Assets per employee ($millions) | 8.0534% | 613 |
| Cash dividends to net income (ytd only)* | 232.2424% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 2,921 |
| Loan loss allowance to noncurrent loans | 212.4612% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4349% | 2,986 |
| Noncurrent loans to loans | 0.5469% | 2,778 |
| Net loans and leases to total assets | 78.5831% | 1,231 |
| Net loans and leases to deposits | 95.7914% | 1,166 |
| Net loans and leases to core deposits | 107.9612% | 1,122 |
| Total domestic deposits to total assets | 82.0357% | 3,711 |
| Equity capital to assets | 9.5366% | 4,065 |
| Core capital (leverage) ratio | 9.5626% | 4,040 |
| Tier 1 risk-based capital ratio | 11.0619% | 5,022 |
| Total risk-based capital ratio | 13.9976% | 3,944 |
| Memoranda: | ||
| Average total assets | $3,815,268,000 | 270 |
| Average earning assets | $3,641,597,330 | 260 |
| Average equity | $375,613,330 | 289 |
| Average total loans | $3,093,044,330 | 246 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 3,042 |
| Cost of funding earning assets | 0.2142% | 4,933 |
| Net interest margin | 3.9420% | 1,889 |
| Noninterest income to average assets | 0.4123% | 3,381 |
| Noninterest expense to average assets | 2.4818% | 3,706 |
| Loan and lease loss provision to assets | -0.0333% | 5,444 |
| Net operating income to assets | 1.4197% | 1,290 |
| Return on assets (ROA) | 1.4197% | 1,297 |
| Pretax return on assets | 1.7283% | 1,048 |
| Return on Equity (ROE) | 14.1956% | 968 |
| Retained earnings to average equity (ytd only) | -54.2499% | 5,587 |
| Net charge-offs to loans | 0.1055% | 1,146 |
| Credit loss provision to net charge-offs | -38.5366% | 3,606 |
| Earnings coverage of net charge-offs (x) | 19.6280% | 1,494 |
| Efficiency ratio | 59.4186% | 4,142 |
| Assets per employee ($millions) | 7.9491% | 635 |
| Cash dividends to net income (ytd only)* | 482.1601% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,892 |
| Loan loss allowance to noncurrent loans | 200.6593% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 2,929 |
| Noncurrent loans to loans | 0.5912% | 2,765 |
| Net loans and leases to total assets | 80.4021% | 885 |
| Net loans and leases to deposits | 95.0431% | 1,127 |
| Net loans and leases to core deposits | 106.9966% | 1,178 |
| Total domestic deposits to total assets | 84.5953% | 3,078 |
| Equity capital to assets | 9.3360% | 4,237 |
| Core capital (leverage) ratio | 9.1457% | 4,512 |
| Tier 1 risk-based capital ratio | 10.7086% | 5,281 |
| Total risk-based capital ratio | 13.7039% | 4,174 |
| Memoranda: | ||
| Average total assets | $3,798,149,500 | 268 |
| Average earning assets | $3,627,155,500 | 262 |
| Average equity | $379,864,000 | 291 |
| Average total loans | $3,109,252,500 | 243 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 3,369 |
| Cost of funding earning assets | 0.1478% | 5,269 |
| Net interest margin | 3.8624% | 2,220 |
| Noninterest income to average assets | 0.3943% | 3,673 |
| Noninterest expense to average assets | 2.3619% | 4,175 |
| Loan and lease loss provision to assets | 0.0917% | 2,364 |
| Net operating income to assets | 1.0404% | 2,094 |
| Return on assets (ROA) | 1.0447% | 2,104 |
| Pretax return on assets | 1.6311% | 1,216 |
| Return on Equity (ROE) | 9.9031% | 1,928 |
| Retained earnings to average equity (ytd only) | 7.2001% | 1,009 |
| Net charge-offs to loans | -0.0423% | 5,144 |
| Credit loss provision to net charge-offs | -266.1228% | 4,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9166% | 4,537 |
| Assets per employee ($millions) | 8.3062% | 570 |
| Cash dividends to net income (ytd only)* | 27.2939% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,785 |
| Loan loss allowance to noncurrent loans | 478.7794% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 4,107 |
| Noncurrent loans to loans | 0.2505% | 3,889 |
| Net loans and leases to total assets | 81.3659% | 765 |
| Net loans and leases to deposits | 95.6025% | 1,123 |
| Net loans and leases to core deposits | 108.8240% | 1,074 |
| Total domestic deposits to total assets | 85.1086% | 2,798 |
| Equity capital to assets | 10.6615% | 2,982 |
| Core capital (leverage) ratio | 10.4713% | 2,874 |
| Tier 1 risk-based capital ratio | 12.1863% | 4,403 |
| Total risk-based capital ratio | 13.2302% | 4,426 |
| Memoranda: | ||
| Average total assets | $3,734,789,000 | 263 |
| Average earning assets | $3,562,002,200 | 255 |
| Average equity | $393,978,600 | 272 |
| Average total loans | $3,043,478,400 | 240 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9557% | 3,502 |
| Cost of funding earning assets | 0.1537% | 5,294 |
| Net interest margin | 3.8020% | 2,385 |
| Noninterest income to average assets | 0.3998% | 3,689 |
| Noninterest expense to average assets | 2.3483% | 4,162 |
| Loan and lease loss provision to assets | 0.0887% | 2,303 |
| Net operating income to assets | 1.1654% | 1,821 |
| Return on assets (ROA) | 1.1653% | 1,868 |
| Pretax return on assets | 1.5904% | 1,458 |
| Return on Equity (ROE) | 11.0766% | 1,666 |
| Retained earnings to average equity (ytd only) | 8.4677% | 1,030 |
| Net charge-offs to loans | -0.0504% | 5,162 |
| Credit loss provision to net charge-offs | -216.6521% | 4,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3047% | 4,461 |
| Assets per employee ($millions) | 8.4523% | 527 |
| Cash dividends to net income (ytd only)* | 23.5533% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1733% | 3,066 |
| Loan loss allowance to noncurrent loans | 748.6586% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 4,598 |
| Noncurrent loans to loans | 0.1567% | 4,431 |
| Net loans and leases to total assets | 80.9578% | 849 |
| Net loans and leases to deposits | 96.2674% | 1,095 |
| Net loans and leases to core deposits | 111.8928% | 928 |
| Total domestic deposits to total assets | 84.0968% | 3,086 |
| Equity capital to assets | 10.6462% | 3,222 |
| Core capital (leverage) ratio | 10.4380% | 3,049 |
| Tier 1 risk-based capital ratio | 12.0342% | 4,584 |
| Total risk-based capital ratio | 13.0949% | 4,608 |
| Memoranda: | ||
| Average total assets | $3,715,349,750 | 264 |
| Average earning assets | $3,545,030,000 | 255 |
| Average equity | $390,854,500 | 272 |
| Average total loans | $3,019,405,500 | 241 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 3,599 |
| Cost of funding earning assets | 0.1570% | 5,290 |
| Net interest margin | 3.7296% | 2,546 |
| Noninterest income to average assets | 0.3906% | 3,745 |
| Noninterest expense to average assets | 2.3844% | 4,095 |
| Loan and lease loss provision to assets | 0.0746% | 2,473 |
| Net operating income to assets | 1.1106% | 1,925 |
| Return on assets (ROA) | 1.1104% | 1,974 |
| Pretax return on assets | 1.4885% | 1,696 |
| Return on Equity (ROE) | 10.5992% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.0267% | 1,153 |
| Net charge-offs to loans | -0.0653% | 5,276 |
| Credit loss provision to net charge-offs | -140.7787% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4003% | 4,266 |
| Assets per employee ($millions) | 8.4126% | 525 |
| Cash dividends to net income (ytd only)* | 24.2707% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 3,284 |
| Loan loss allowance to noncurrent loans | 785.3583% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,716 |
| Noncurrent loans to loans | 0.1471% | 4,523 |
| Net loans and leases to total assets | 80.1094% | 937 |
| Net loans and leases to deposits | 97.7305% | 918 |
| Net loans and leases to core deposits | 113.5693% | 817 |
| Total domestic deposits to total assets | 81.9697% | 3,897 |
| Equity capital to assets | 10.4957% | 3,349 |
| Core capital (leverage) ratio | 10.1899% | 3,293 |
| Tier 1 risk-based capital ratio | 11.9233% | 4,682 |
| Total risk-based capital ratio | 12.9442% | 4,725 |
| Memoranda: | ||
| Average total assets | $3,685,949,670 | 267 |
| Average earning assets | $3,515,390,000 | 258 |
| Average equity | $386,161,330 | 276 |
| Average total loans | $2,987,265,000 | 243 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 3,767 |
| Cost of funding earning assets | 0.1371% | 5,452 |
| Net interest margin | 3.6613% | 2,644 |
| Noninterest income to average assets | 0.4182% | 3,536 |
| Noninterest expense to average assets | 2.4516% | 3,961 |
| Loan and lease loss provision to assets | 0.0759% | 2,291 |
| Net operating income to assets | 1.0693% | 1,993 |
| Return on assets (ROA) | 1.0690% | 2,035 |
| Pretax return on assets | 1.3808% | 1,947 |
| Return on Equity (ROE) | 10.2134% | 1,864 |
| Retained earnings to average equity (ytd only) | 7.5584% | 1,627 |
| Net charge-offs to loans | -0.0318% | 4,960 |
| Credit loss provision to net charge-offs | -294.4681% | 4,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7215% | 4,034 |
| Assets per employee ($millions) | 8.2488% | 556 |
| Cash dividends to net income (ytd only)* | 25.9959% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 3,482 |
| Loan loss allowance to noncurrent loans | 777.9283% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 4,794 |
| Noncurrent loans to loans | 0.1461% | 4,601 |
| Net loans and leases to total assets | 79.7273% | 873 |
| Net loans and leases to deposits | 96.0009% | 934 |
| Net loans and leases to core deposits | 110.6113% | 853 |
| Total domestic deposits to total assets | 83.0485% | 3,817 |
| Equity capital to assets | 10.4401% | 3,249 |
| Core capital (leverage) ratio | 10.3224% | 3,084 |
| Tier 1 risk-based capital ratio | 11.8644% | 4,800 |
| Total risk-based capital ratio | 12.8541% | 4,871 |
| Memoranda: | ||
| Average total assets | $3,644,503,500 | 273 |
| Average earning assets | $3,474,499,000 | 261 |
| Average equity | $381,458,500 | 279 |
| Average total loans | $2,953,651,500 | 244 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 3,535 |
| Cost of funding earning assets | 0.1359% | 5,513 |
| Net interest margin | 3.7752% | 2,406 |
| Noninterest income to average assets | 0.4265% | 3,704 |
| Noninterest expense to average assets | 2.4564% | 4,139 |
| Loan and lease loss provision to assets | -0.0532% | 5,599 |
| Net operating income to assets | 1.1653% | 1,626 |
| Return on assets (ROA) | 1.1673% | 1,713 |
| Pretax return on assets | 1.6268% | 1,198 |
| Return on Equity (ROE) | 10.9781% | 1,585 |
| Retained earnings to average equity (ytd only) | 8.5379% | 687 |
| Net charge-offs to loans | 0.1980% | 1,401 |
| Credit loss provision to net charge-offs | -32.8688% | 4,789 |
| Earnings coverage of net charge-offs (x) | 9.7100% | 2,726 |
| Efficiency ratio | 60.9946% | 4,419 |
| Assets per employee ($millions) | 8.2991% | 533 |
| Cash dividends to net income (ytd only)* | 22.2275% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 3,571 |
| Loan loss allowance to noncurrent loans | 703.7812% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 4,793 |
| Noncurrent loans to loans | 0.1599% | 4,595 |
| Net loans and leases to total assets | 80.5388% | 809 |
| Net loans and leases to deposits | 94.9420% | 1,098 |
| Net loans and leases to core deposits | 108.8911% | 967 |
| Total domestic deposits to total assets | 84.8294% | 3,120 |
| Equity capital to assets | 10.4940% | 3,162 |
| Core capital (leverage) ratio | 10.4459% | 2,937 |
| Tier 1 risk-based capital ratio | 11.9336% | 4,776 |
| Total risk-based capital ratio | 12.9350% | 4,838 |
| Memoranda: | ||
| Average total assets | $3,415,244,200 | 274 |
| Average earning assets | $3,257,424,600 | 265 |
| Average equity | $363,132,600 | 280 |
| Average total loans | $2,790,975,000 | 241 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9641% | 3,359 |
| Cost of funding earning assets | 0.1397% | 5,550 |
| Net interest margin | 3.8244% | 2,247 |
| Noninterest income to average assets | 0.3509% | 4,279 |
| Noninterest expense to average assets | 2.4453% | 4,147 |
| Loan and lease loss provision to assets | -0.0909% | 5,778 |
| Net operating income to assets | 1.1736% | 1,723 |
| Return on assets (ROA) | 1.1762% | 1,821 |
| Pretax return on assets | 1.6507% | 1,244 |
| Return on Equity (ROE) | 11.0241% | 1,658 |
| Retained earnings to average equity (ytd only) | 8.7541% | 895 |
| Net charge-offs to loans | 0.2329% | 1,010 |
| Credit loss provision to net charge-offs | -47.7466% | 4,683 |
| Earnings coverage of net charge-offs (x) | 8.1695% | 2,800 |
| Efficiency ratio | 61.1131% | 4,371 |
| Assets per employee ($millions) | 7.8971% | 613 |
| Cash dividends to net income (ytd only)* | 20.5912% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 3,392 |
| Loan loss allowance to noncurrent loans | 513.7215% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 4,678 |
| Noncurrent loans to loans | 0.2290% | 4,452 |
| Net loans and leases to total assets | 81.5011% | 684 |
| Net loans and leases to deposits | 94.3534% | 1,227 |
| Net loans and leases to core deposits | 107.3489% | 1,092 |
| Total domestic deposits to total assets | 86.3786% | 2,181 |
| Equity capital to assets | 10.8993% | 3,134 |
| Core capital (leverage) ratio | 10.4288% | 3,075 |
| Tier 1 risk-based capital ratio | 11.9000% | 4,851 |
| Total risk-based capital ratio | 12.8969% | 4,915 |
| Memoranda: | ||
| Average total assets | $3,370,673,250 | 271 |
| Average earning assets | $3,217,238,000 | 263 |
| Average equity | $359,639,750 | 277 |
| Average total loans | $2,756,936,750 | 241 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9385% | 3,472 |
| Cost of funding earning assets | 0.1431% | 5,592 |
| Net interest margin | 3.7955% | 2,338 |
| Noninterest income to average assets | 0.3246% | 4,460 |
| Noninterest expense to average assets | 2.4390% | 4,216 |
| Loan and lease loss provision to assets | -0.0681% | 5,843 |
| Net operating income to assets | 1.1202% | 1,887 |
| Return on assets (ROA) | 1.1201% | 2,000 |
| Pretax return on assets | 1.5777% | 1,431 |
| Return on Equity (ROE) | 10.5751% | 1,818 |
| Retained earnings to average equity (ytd only) | 8.5193% | 1,004 |
| Net charge-offs to loans | 0.3779% | 610 |
| Credit loss provision to net charge-offs | -22.0932% | 4,481 |
| Earnings coverage of net charge-offs (x) | 4.8990% | 2,927 |
| Efficiency ratio | 61.7651% | 4,380 |
| Assets per employee ($millions) | 7.7469% | 632 |
| Cash dividends to net income (ytd only)* | 19.4400% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 3,302 |
| Loan loss allowance to noncurrent loans | 456.5171% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 4,629 |
| Noncurrent loans to loans | 0.2652% | 4,412 |
| Net loans and leases to total assets | 80.9714% | 759 |
| Net loans and leases to deposits | 98.1440% | 877 |
| Net loans and leases to core deposits | 112.5484% | 789 |
| Total domestic deposits to total assets | 82.5027% | 3,841 |
| Equity capital to assets | 10.6242% | 3,504 |
| Core capital (leverage) ratio | 10.1920% | 3,342 |
| Tier 1 risk-based capital ratio | 11.2608% | 5,290 |
| Total risk-based capital ratio | 12.2445% | 5,350 |
| Memoranda: | ||
| Average total assets | $3,354,422,000 | 272 |
| Average earning assets | $3,203,017,670 | 266 |
| Average equity | $355,288,000 | 278 |
| Average total loans | $2,735,901,330 | 244 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 3,370 |
| Cost of funding earning assets | 0.1446% | 5,645 |
| Net interest margin | 3.8129% | 2,246 |
| Noninterest income to average assets | 0.3322% | 4,356 |
| Noninterest expense to average assets | 2.4419% | 4,253 |
| Loan and lease loss provision to assets | 0.0460% | 2,996 |
| Net operating income to assets | 1.0731% | 2,001 |
| Return on assets (ROA) | 1.0728% | 2,116 |
| Pretax return on assets | 1.4851% | 1,644 |
| Return on Equity (ROE) | 10.1448% | 1,929 |
| Retained earnings to average equity (ytd only) | 8.5199% | 1,255 |
| Net charge-offs to loans | 0.8551% | 238 |
| Credit loss provision to net charge-offs | 6.6170% | 2,385 |
| Earnings coverage of net charge-offs (x) | 2.2016% | 2,722 |
| Efficiency ratio | 61.4556% | 4,536 |
| Assets per employee ($millions) | 7.5652% | 681 |
| Cash dividends to net income (ytd only)* | 16.0171% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 2,972 |
| Loan loss allowance to noncurrent loans | 357.0552% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 4,392 |
| Noncurrent loans to loans | 0.3607% | 4,139 |
| Net loans and leases to total assets | 80.5314% | 743 |
| Net loans and leases to deposits | 95.8801% | 955 |
| Net loans and leases to core deposits | 107.8779% | 975 |
| Total domestic deposits to total assets | 83.9918% | 3,524 |
| Equity capital to assets | 10.6891% | 3,273 |
| Core capital (leverage) ratio | 10.0565% | 3,466 |
| Tier 1 risk-based capital ratio | 11.0917% | 5,458 |
| Total risk-based capital ratio | 12.1034% | 5,486 |
| Memoranda: | ||
| Average total assets | $3,319,559,000 | 273 |
| Average earning assets | $3,170,102,500 | 264 |
| Average equity | $351,038,000 | 279 |
| Average total loans | $2,700,574,500 | 245 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,169 |
| Cost of funding earning assets | 0.1315% | 5,807 |
| Net interest margin | 3.9039% | 2,012 |
| Noninterest income to average assets | 0.3290% | 4,548 |
| Noninterest expense to average assets | 2.5008% | 4,222 |
| Loan and lease loss provision to assets | 0.2163% | 959 |
| Net operating income to assets | 0.9416% | 2,656 |
| Return on assets (ROA) | 0.9487% | 2,696 |
| Pretax return on assets | 1.3299% | 2,166 |
| Return on Equity (ROE) | 8.9108% | 2,494 |
| Retained earnings to average equity (ytd only) | 6.4677% | 1,559 |
| Net charge-offs to loans | -0.0452% | 5,521 |
| Credit loss provision to net charge-offs | -598.6865% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9475% | 4,611 |
| Assets per employee ($millions) | 7.5067% | 696 |
| Cash dividends to net income (ytd only)* | 27.4170% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 2,026 |
| Loan loss allowance to noncurrent loans | 246.5483% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 3,671 |
| Noncurrent loans to loans | 0.6071% | 3,349 |
| Net loans and leases to total assets | 79.9103% | 855 |
| Net loans and leases to deposits | 95.9788% | 1,013 |
| Net loans and leases to core deposits | 107.6179% | 991 |
| Total domestic deposits to total assets | 83.2583% | 3,750 |
| Equity capital to assets | 10.4605% | 3,405 |
| Core capital (leverage) ratio | 10.1382% | 3,336 |
| Tier 1 risk-based capital ratio | 10.9100% | 5,565 |
| Total risk-based capital ratio | 12.0550% | 5,534 |
| Memoranda: | ||
| Average total assets | $3,160,531,000 | 269 |
| Average earning assets | $3,001,940,800 | 260 |
| Average equity | $336,503,000 | 275 |
| Average total loans | $2,526,601,800 | 243 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,154 |
| Cost of funding earning assets | 0.1318% | 5,906 |
| Net interest margin | 3.9115% | 1,993 |
| Noninterest income to average assets | 0.3161% | 4,681 |
| Noninterest expense to average assets | 2.5022% | 4,187 |
| Loan and lease loss provision to assets | 0.0496% | 3,222 |
| Net operating income to assets | 1.0348% | 2,302 |
| Return on assets (ROA) | 1.0373% | 2,383 |
| Pretax return on assets | 1.4776% | 1,743 |
| Return on Equity (ROE) | 9.6972% | 2,223 |
| Retained earnings to average equity (ytd only) | 7.2632% | 1,565 |
| Net charge-offs to loans | -0.0547% | 5,573 |
| Credit loss provision to net charge-offs | -113.8371% | 5,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1538% | 4,551 |
| Assets per employee ($millions) | 7.6493% | 636 |
| Cash dividends to net income (ytd only)* | 25.1009% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 2,993 |
| Loan loss allowance to noncurrent loans | 687.5199% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 5,146 |
| Noncurrent loans to loans | 0.1919% | 4,875 |
| Net loans and leases to total assets | 78.7752% | 990 |
| Net loans and leases to deposits | 94.3967% | 1,156 |
| Net loans and leases to core deposits | 105.6982% | 1,123 |
| Total domestic deposits to total assets | 83.4513% | 3,629 |
| Equity capital to assets | 10.5044% | 3,600 |
| Core capital (leverage) ratio | 10.3649% | 3,186 |
| Tier 1 risk-based capital ratio | 11.2784% | 5,501 |
| Total risk-based capital ratio | 12.3489% | 5,498 |
| Memoranda: | ||
| Average total assets | $3,121,169,500 | 277 |
| Average earning assets | $2,960,214,250 | 267 |
| Average equity | $333,859,500 | 283 |
| Average total loans | $2,485,329,250 | 249 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 2,968 |
| Cost of funding earning assets | 0.1336% | 5,957 |
| Net interest margin | 3.9474% | 1,822 |
| Noninterest income to average assets | 0.3197% | 4,671 |
| Noninterest expense to average assets | 2.5577% | 4,050 |
| Loan and lease loss provision to assets | 0.0251% | 3,632 |
| Net operating income to assets | 1.0234% | 2,270 |
| Return on assets (ROA) | 1.0279% | 2,361 |
| Pretax return on assets | 1.4820% | 1,697 |
| Return on Equity (ROE) | 9.5482% | 2,280 |
| Retained earnings to average equity (ytd only) | 7.0757% | 1,666 |
| Net charge-offs to loans | -0.0585% | 5,604 |
| Credit loss provision to net charge-offs | -53.9860% | 4,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0231% | 4,514 |
| Assets per employee ($millions) | 7.3336% | 726 |
| Cash dividends to net income (ytd only)* | 25.8952% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 3,019 |
| Loan loss allowance to noncurrent loans | 719.6898% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 5,240 |
| Noncurrent loans to loans | 0.1865% | 5,033 |
| Net loans and leases to total assets | 78.4071% | 1,013 |
| Net loans and leases to deposits | 90.5390% | 1,531 |
| Net loans and leases to core deposits | 100.4007% | 1,461 |
| Total domestic deposits to total assets | 86.6004% | 2,376 |
| Equity capital to assets | 10.7666% | 3,145 |
| Core capital (leverage) ratio | 10.4403% | 3,035 |
| Tier 1 risk-based capital ratio | 11.4406% | 5,504 |
| Total risk-based capital ratio | 12.5058% | 5,522 |
| Memoranda: | ||
| Average total assets | $3,070,259,000 | 279 |
| Average earning assets | $2,907,875,000 | 271 |
| Average equity | $330,511,000 | 287 |
| Average total loans | $2,442,602,670 | 253 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,092 |
| Cost of funding earning assets | 0.1354% | 6,032 |
| Net interest margin | 3.9024% | 1,888 |
| Noninterest income to average assets | 0.3177% | 4,645 |
| Noninterest expense to average assets | 2.6377% | 3,794 |
| Loan and lease loss provision to assets | -0.0959% | 6,202 |
| Net operating income to assets | 1.0187% | 2,171 |
| Return on assets (ROA) | 1.0188% | 2,315 |
| Pretax return on assets | 1.4766% | 1,638 |
| Return on Equity (ROE) | 9.4648% | 2,235 |
| Retained earnings to average equity (ytd only) | 6.8364% | 2,085 |
| Net charge-offs to loans | -0.0754% | 5,724 |
| Credit loss provision to net charge-offs | 159.8684% | 1,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6427% | 4,217 |
| Assets per employee ($millions) | 7.2033% | 778 |
| Cash dividends to net income (ytd only)* | 27.7706% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 3,333 |
| Loan loss allowance to noncurrent loans | 465.8136% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,989 |
| Noncurrent loans to loans | 0.2816% | 4,769 |
| Net loans and leases to total assets | 78.9014% | 809 |
| Net loans and leases to deposits | 93.7941% | 1,005 |
| Net loans and leases to core deposits | 103.6780% | 1,085 |
| Total domestic deposits to total assets | 84.1219% | 3,775 |
| Equity capital to assets | 10.8413% | 3,151 |
| Core capital (leverage) ratio | 10.2248% | 3,313 |
| Tier 1 risk-based capital ratio | 11.2830% | 5,674 |
| Total risk-based capital ratio | 12.2760% | 5,729 |
| Memoranda: | ||
| Average total assets | $3,039,661,000 | 279 |
| Average earning assets | $2,882,464,000 | 267 |
| Average equity | $327,191,000 | 288 |
| Average total loans | $2,419,558,500 | 252 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 3,031 |
| Cost of funding earning assets | 0.1592% | 6,047 |
| Net interest margin | 4.0151% | 1,857 |
| Noninterest income to average assets | 0.3512% | 4,596 |
| Noninterest expense to average assets | 2.6410% | 4,085 |
| Loan and lease loss provision to assets | -0.1146% | 6,171 |
| Net operating income to assets | 1.0790% | 2,057 |
| Return on assets (ROA) | 1.1055% | 2,010 |
| Pretax return on assets | 1.6613% | 1,071 |
| Return on Equity (ROE) | 10.4374% | 1,935 |
| Retained earnings to average equity (ytd only) | 7.8119% | 1,092 |
| Net charge-offs to loans | 0.0375% | 4,084 |
| Credit loss provision to net charge-offs | -396.4455% | 5,744 |
| Earnings coverage of net charge-offs (x) | 52.1185% | 901 |
| Efficiency ratio | 63.6670% | 4,636 |
| Assets per employee ($millions) | 7.1685% | 773 |
| Cash dividends to net income (ytd only)* | 25.1550% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 3,181 |
| Loan loss allowance to noncurrent loans | 324.2373% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 4,689 |
| Noncurrent loans to loans | 0.4156% | 4,396 |
| Net loans and leases to total assets | 78.1777% | 977 |
| Net loans and leases to deposits | 93.9192% | 1,080 |
| Net loans and leases to core deposits | 104.7010% | 1,092 |
| Total domestic deposits to total assets | 83.2393% | 3,995 |
| Equity capital to assets | 10.6861% | 3,253 |
| Core capital (leverage) ratio | 10.6832% | 2,738 |
| Tier 1 risk-based capital ratio | 12.3881% | 5,098 |
| Total risk-based capital ratio | 13.6383% | 5,022 |
| Memoranda: | ||
| Average total assets | $2,918,599,200 | 273 |
| Average earning assets | $2,760,069,400 | 265 |
| Average equity | $309,119,800 | 291 |
| Average total loans | $2,250,294,200 | 248 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 3,092 |
| Cost of funding earning assets | 0.1634% | 6,106 |
| Net interest margin | 4.0059% | 1,861 |
| Noninterest income to average assets | 0.3403% | 4,718 |
| Noninterest expense to average assets | 2.6476% | 4,022 |
| Loan and lease loss provision to assets | -0.1185% | 6,309 |
| Net operating income to assets | 1.0556% | 2,211 |
| Return on assets (ROA) | 1.0910% | 2,135 |
| Pretax return on assets | 1.6491% | 1,180 |
| Return on Equity (ROE) | 10.3249% | 2,059 |
| Retained earnings to average equity (ytd only) | 7.7262% | 1,481 |
| Net charge-offs to loans | 0.0446% | 3,599 |
| Credit loss provision to net charge-offs | -346.9636% | 5,677 |
| Earnings coverage of net charge-offs (x) | 43.2319% | 1,075 |
| Efficiency ratio | 64.1915% | 4,508 |
| Assets per employee ($millions) | 7.1100% | 773 |
| Cash dividends to net income (ytd only)* | 25.1690% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 3,109 |
| Loan loss allowance to noncurrent loans | 351.6478% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 4,925 |
| Noncurrent loans to loans | 0.4018% | 4,703 |
| Net loans and leases to total assets | 77.3556% | 1,047 |
| Net loans and leases to deposits | 97.1792% | 783 |
| Net loans and leases to core deposits | 108.4353% | 828 |
| Total domestic deposits to total assets | 79.6010% | 5,197 |
| Equity capital to assets | 10.5705% | 3,467 |
| Core capital (leverage) ratio | 10.5089% | 3,031 |
| Tier 1 risk-based capital ratio | 12.3641% | 5,257 |
| Total risk-based capital ratio | 13.6151% | 5,187 |
| Memoranda: | ||
| Average total assets | $2,891,972,250 | 274 |
| Average earning assets | $2,731,878,000 | 266 |
| Average equity | $305,583,250 | 290 |
| Average total loans | $2,213,551,500 | 247 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 3,132 |
| Cost of funding earning assets | 0.1660% | 6,153 |
| Net interest margin | 3.9880% | 1,845 |
| Noninterest income to average assets | 0.2745% | 5,232 |
| Noninterest expense to average assets | 2.7042% | 3,846 |
| Loan and lease loss provision to assets | -0.1662% | 6,439 |
| Net operating income to assets | 0.9972% | 2,333 |
| Return on assets (ROA) | 1.0512% | 2,188 |
| Pretax return on assets | 1.5827% | 1,300 |
| Return on Equity (ROE) | 9.9498% | 2,171 |
| Retained earnings to average equity (ytd only) | 7.4794% | 1,528 |
| Net charge-offs to loans | 0.0665% | 3,039 |
| Credit loss provision to net charge-offs | -329.4036% | 5,485 |
| Earnings coverage of net charge-offs (x) | 26.4535% | 1,372 |
| Efficiency ratio | 66.9548% | 4,206 |
| Assets per employee ($millions) | 7.2251% | 718 |
| Cash dividends to net income (ytd only)* | 24.8286% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 3,070 |
| Loan loss allowance to noncurrent loans | 342.6798% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3468% | 4,997 |
| Noncurrent loans to loans | 0.4263% | 4,715 |
| Net loans and leases to total assets | 75.3136% | 1,261 |
| Net loans and leases to deposits | 97.1786% | 723 |
| Net loans and leases to core deposits | 108.7349% | 739 |
| Total domestic deposits to total assets | 77.5001% | 5,721 |
| Equity capital to assets | 10.3754% | 3,591 |
| Core capital (leverage) ratio | 10.5196% | 2,922 |
| Tier 1 risk-based capital ratio | 12.0885% | 5,486 |
| Total risk-based capital ratio | 13.3396% | 5,412 |
| Memoranda: | ||
| Average total assets | $2,858,190,000 | 272 |
| Average earning assets | $2,697,844,000 | 264 |
| Average equity | $301,975,000 | 289 |
| Average total loans | $2,168,506,670 | 246 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 3,117 |
| Cost of funding earning assets | 0.1659% | 6,254 |
| Net interest margin | 3.9780% | 1,834 |
| Noninterest income to average assets | 0.1158% | 6,274 |
| Noninterest expense to average assets | 2.7897% | 3,604 |
| Loan and lease loss provision to assets | -0.2291% | 6,584 |
| Net operating income to assets | 0.8806% | 2,738 |
| Return on assets (ROA) | 0.8769% | 2,827 |
| Pretax return on assets | 1.3037% | 2,077 |
| Return on Equity (ROE) | 8.2206% | 2,830 |
| Retained earnings to average equity (ytd only) | 5.2655% | 2,950 |
| Net charge-offs to loans | -0.0322% | 5,602 |
| Credit loss provision to net charge-offs | 940.5882% | 327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0871% | 3,472 |
| Assets per employee ($millions) | 6.8417% | 865 |
| Cash dividends to net income (ytd only)* | 35.9477% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 2,558 |
| Loan loss allowance to noncurrent loans | 282.9890% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 4,673 |
| Noncurrent loans to loans | 0.5781% | 4,428 |
| Net loans and leases to total assets | 74.8063% | 1,151 |
| Net loans and leases to deposits | 89.9618% | 1,156 |
| Net loans and leases to core deposits | 100.8234% | 1,043 |
| Total domestic deposits to total assets | 83.1534% | 4,550 |
| Equity capital to assets | 10.6933% | 3,045 |
| Core capital (leverage) ratio | 10.6733% | 2,735 |
| Tier 1 risk-based capital ratio | 12.2590% | 5,470 |
| Total risk-based capital ratio | 13.5116% | 5,400 |
| Memoranda: | ||
| Average total assets | $2,791,684,500 | 278 |
| Average earning assets | $2,634,600,500 | 268 |
| Average equity | $297,787,500 | 289 |
| Average total loans | $2,109,669,500 | 250 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2408% | 3,188 |
| Cost of funding earning assets | 0.2055% | 6,257 |
| Net interest margin | 4.0354% | 1,852 |
| Noninterest income to average assets | 0.4023% | 4,428 |
| Noninterest expense to average assets | 2.6848% | 4,144 |
| Loan and lease loss provision to assets | -0.2728% | 6,660 |
| Net operating income to assets | 1.1839% | 1,629 |
| Return on assets (ROA) | 1.1947% | 1,655 |
| Pretax return on assets | 1.8049% | 752 |
| Return on Equity (ROE) | 11.3201% | 1,666 |
| Retained earnings to average equity (ytd only) | 8.4990% | 904 |
| Net charge-offs to loans | 0.0927% | 3,919 |
| Credit loss provision to net charge-offs | -396.8598% | 6,102 |
| Earnings coverage of net charge-offs (x) | 22.0509% | 1,467 |
| Efficiency ratio | 63.9147% | 4,911 |
| Assets per employee ($millions) | 6.8262% | 831 |
| Cash dividends to net income (ytd only)* | 24.9213% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 2,197 |
| Loan loss allowance to noncurrent loans | 241.3982% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5971% | 4,445 |
| Noncurrent loans to loans | 0.7284% | 4,141 |
| Net loans and leases to total assets | 73.7596% | 1,390 |
| Net loans and leases to deposits | 88.4394% | 1,417 |
| Net loans and leases to core deposits | 97.8509% | 1,311 |
| Total domestic deposits to total assets | 83.4013% | 4,399 |
| Equity capital to assets | 10.6401% | 2,987 |
| Core capital (leverage) ratio | 10.5100% | 2,909 |
| Tier 1 risk-based capital ratio | 12.2820% | 5,441 |
| Total risk-based capital ratio | 13.5358% | 5,361 |
| Memoranda: | ||
| Average total assets | $2,686,903,000 | 280 |
| Average earning assets | $2,529,028,600 | 271 |
| Average equity | $283,575,200 | 290 |
| Average total loans | $1,991,556,200 | 257 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 3,259 |
| Cost of funding earning assets | 0.2145% | 6,325 |
| Net interest margin | 4.0193% | 1,878 |
| Noninterest income to average assets | 0.4192% | 4,375 |
| Noninterest expense to average assets | 2.6320% | 4,271 |
| Loan and lease loss provision to assets | -0.1650% | 6,689 |
| Net operating income to assets | 1.1490% | 1,819 |
| Return on assets (ROA) | 1.1642% | 1,830 |
| Pretax return on assets | 1.7560% | 982 |
| Return on Equity (ROE) | 11.0544% | 1,802 |
| Retained earnings to average equity (ytd only) | 7.2576% | 1,766 |
| Net charge-offs to loans | 0.0996% | 3,554 |
| Credit loss provision to net charge-offs | -224.3207% | 5,917 |
| Earnings coverage of net charge-offs (x) | 21.3098% | 1,555 |
| Efficiency ratio | 62.6687% | 5,034 |
| Assets per employee ($millions) | 6.9133% | 784 |
| Cash dividends to net income (ytd only)* | 34.3466% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0051% | 1,706 |
| Loan loss allowance to noncurrent loans | 200.7953% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 4,161 |
| Noncurrent loans to loans | 0.9986% | 3,813 |
| Net loans and leases to total assets | 72.1054% | 1,582 |
| Net loans and leases to deposits | 87.3350% | 1,451 |
| Net loans and leases to core deposits | 95.8766% | 1,403 |
| Total domestic deposits to total assets | 82.5619% | 4,733 |
| Equity capital to assets | 10.2653% | 3,555 |
| Core capital (leverage) ratio | 10.3768% | 3,136 |
| Tier 1 risk-based capital ratio | 12.1505% | 5,682 |
| Total risk-based capital ratio | 13.4070% | 5,618 |
| Memoranda: | ||
| Average total assets | $2,667,477,250 | 281 |
| Average earning assets | $2,509,126,000 | 273 |
| Average equity | $280,929,750 | 289 |
| Average total loans | $1,970,530,500 | 257 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 3,177 |
| Cost of funding earning assets | 0.2224% | 6,354 |
| Net interest margin | 4.0209% | 1,792 |
| Noninterest income to average assets | 0.4188% | 4,386 |
| Noninterest expense to average assets | 2.6336% | 4,269 |
| Loan and lease loss provision to assets | -0.1407% | 6,745 |
| Net operating income to assets | 1.1234% | 1,843 |
| Return on assets (ROA) | 1.1479% | 1,869 |
| Pretax return on assets | 1.7455% | 1,023 |
| Return on Equity (ROE) | 10.8039% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.8039% | 682 |
| Net charge-offs to loans | 0.1410% | 2,971 |
| Credit loss provision to net charge-offs | -134.8871% | 5,654 |
| Earnings coverage of net charge-offs (x) | 15.0291% | 1,777 |
| Efficiency ratio | 62.6860% | 5,067 |
| Assets per employee ($millions) | 6.9485% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1133% | 1,604 |
| Loan loss allowance to noncurrent loans | 159.1758% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.0389% | 3,677 |
| Noncurrent loans to loans | 1.3276% | 3,338 |
| Net loans and leases to total assets | 72.7446% | 1,444 |
| Net loans and leases to deposits | 94.8140% | 757 |
| Net loans and leases to core deposits | 104.6660% | 811 |
| Total domestic deposits to total assets | 76.7235% | 6,168 |
| Equity capital to assets | 10.5153% | 3,281 |
| Core capital (leverage) ratio | 10.6837% | 2,685 |
| Tier 1 risk-based capital ratio | 12.3836% | 5,584 |
| Total risk-based capital ratio | 13.6414% | 5,525 |
| Memoranda: | ||
| Average total assets | $2,632,560,330 | 284 |
| Average earning assets | $2,476,523,000 | 273 |
| Average equity | $279,713,670 | 289 |
| Average total loans | $1,947,432,000 | 257 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,926 |
| Cost of funding earning assets | 0.2332% | 6,393 |
| Net interest margin | 4.0569% | 1,601 |
| Noninterest income to average assets | 0.3885% | 4,548 |
| Noninterest expense to average assets | 2.6316% | 4,305 |
| Loan and lease loss provision to assets | -0.1586% | 6,875 |
| Net operating income to assets | 1.1433% | 1,709 |
| Return on assets (ROA) | 1.1444% | 1,814 |
| Pretax return on assets | 1.7325% | 999 |
| Return on Equity (ROE) | 10.7129% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.7129% | 937 |
| Net charge-offs to loans | 0.1212% | 2,695 |
| Credit loss provision to net charge-offs | -177.2806% | 5,236 |
| Earnings coverage of net charge-offs (x) | 17.5714% | 1,307 |
| Efficiency ratio | 62.6003% | 5,218 |
| Assets per employee ($millions) | 6.6049% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2991% | 1,410 |
| Loan loss allowance to noncurrent loans | 143.0199% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.2585% | 3,467 |
| Noncurrent loans to loans | 1.6075% | 3,131 |
| Net loans and leases to total assets | 72.5064% | 1,283 |
| Net loans and leases to deposits | 89.5168% | 1,004 |
| Net loans and leases to core deposits | 98.3254% | 1,054 |
| Total domestic deposits to total assets | 80.9976% | 5,499 |
| Equity capital to assets | 10.9042% | 3,073 |
| Core capital (leverage) ratio | 10.5747% | 2,681 |
| Tier 1 risk-based capital ratio | 12.4751% | 5,593 |
| Total risk-based capital ratio | 13.7347% | 5,534 |
| Memoranda: | ||
| Average total assets | $2,597,362,500 | 293 |
| Average earning assets | $2,442,679,500 | 282 |
| Average equity | $277,459,000 | 295 |
| Average total loans | $1,916,796,000 | 263 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 3,041 |
| Cost of funding earning assets | 0.2964% | 6,472 |
| Net interest margin | 4.2934% | 1,416 |
| Noninterest income to average assets | 0.5131% | 3,812 |
| Noninterest expense to average assets | 2.7676% | 4,149 |
| Loan and lease loss provision to assets | -0.1429% | 6,944 |
| Net operating income to assets | 1.2178% | 1,542 |
| Return on assets (ROA) | 1.2380% | 1,647 |
| Pretax return on assets | 1.9363% | 688 |
| Return on Equity (ROE) | 12.0035% | 1,512 |
| Retained earnings to average equity (ytd only) | 12.0035% | 325 |
| Net charge-offs to loans | 0.2921% | 3,188 |
| Credit loss provision to net charge-offs | -69.2293% | 6,297 |
| Earnings coverage of net charge-offs (x) | 8.5368% | 2,393 |
| Efficiency ratio | 61.1009% | 5,371 |
| Assets per employee ($millions) | 6.6638% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3825% | 1,260 |
| Loan loss allowance to noncurrent loans | 230.4556% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 4,313 |
| Noncurrent loans to loans | 1.0338% | 4,145 |
| Net loans and leases to total assets | 71.6392% | 1,545 |
| Net loans and leases to deposits | 86.4971% | 1,448 |
| Net loans and leases to core deposits | 94.3336% | 1,438 |
| Total domestic deposits to total assets | 82.8227% | 4,789 |
| Equity capital to assets | 10.4630% | 3,568 |
| Core capital (leverage) ratio | 10.3206% | 2,989 |
| Tier 1 risk-based capital ratio | 12.1092% | 5,714 |
| Total risk-based capital ratio | 13.3697% | 5,669 |
| Memoranda: | ||
| Average total assets | $2,483,112,000 | 293 |
| Average earning assets | $2,322,912,000 | 281 |
| Average equity | $256,091,200 | 308 |
| Average total loans | $1,754,512,200 | 272 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6724% | 2,918 |
| Cost of funding earning assets | 0.3093% | 6,566 |
| Net interest margin | 4.3631% | 1,313 |
| Noninterest income to average assets | 0.4690% | 4,143 |
| Noninterest expense to average assets | 2.7710% | 4,086 |
| Loan and lease loss provision to assets | -0.1920% | 7,083 |
| Net operating income to assets | 1.2546% | 1,560 |
| Return on assets (ROA) | 1.2664% | 1,686 |
| Pretax return on assets | 1.9854% | 718 |
| Return on Equity (ROE) | 12.3271% | 1,524 |
| Retained earnings to average equity (ytd only) | 12.3271% | 482 |
| Net charge-offs to loans | 0.4342% | 2,363 |
| Credit loss provision to net charge-offs | -63.2211% | 6,205 |
| Earnings coverage of net charge-offs (x) | 5.8450% | 2,915 |
| Efficiency ratio | 60.9552% | 5,323 |
| Assets per employee ($millions) | 6.4513% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5104% | 1,199 |
| Loan loss allowance to noncurrent loans | 214.1248% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 4,201 |
| Noncurrent loans to loans | 1.1724% | 4,105 |
| Net loans and leases to total assets | 69.6420% | 1,984 |
| Net loans and leases to deposits | 84.1955% | 1,846 |
| Net loans and leases to core deposits | 92.9894% | 1,687 |
| Total domestic deposits to total assets | 82.7146% | 4,748 |
| Equity capital to assets | 10.5779% | 3,758 |
| Core capital (leverage) ratio | 10.2840% | 3,183 |
| Tier 1 risk-based capital ratio | 12.4362% | 5,686 |
| Total risk-based capital ratio | 13.6980% | 5,649 |
| Memoranda: | ||
| Average total assets | $2,450,834,250 | 294 |
| Average earning assets | $2,290,120,500 | 285 |
| Average equity | $251,785,000 | 312 |
| Average total loans | $1,713,878,000 | 274 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7328% | 2,787 |
| Cost of funding earning assets | 0.3159% | 6,664 |
| Net interest margin | 4.4169% | 1,157 |
| Noninterest income to average assets | 0.5209% | 3,781 |
| Noninterest expense to average assets | 2.8417% | 3,861 |
| Loan and lease loss provision to assets | -0.0992% | 7,109 |
| Net operating income to assets | 1.2281% | 1,614 |
| Return on assets (ROA) | 1.2547% | 1,718 |
| Pretax return on assets | 1.9456% | 769 |
| Return on Equity (ROE) | 12.3401% | 1,560 |
| Retained earnings to average equity (ytd only) | 12.3401% | 529 |
| Net charge-offs to loans | 0.3791% | 2,497 |
| Credit loss provision to net charge-offs | -37.7075% | 5,979 |
| Earnings coverage of net charge-offs (x) | 6.8584% | 2,568 |
| Efficiency ratio | 61.1603% | 5,396 |
| Assets per employee ($millions) | 6.3585% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8426% | 907 |
| Loan loss allowance to noncurrent loans | 195.7519% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 1.2393% | 3,932 |
| Noncurrent loans to loans | 1.4522% | 3,736 |
| Net loans and leases to total assets | 68.4942% | 2,201 |
| Net loans and leases to deposits | 85.8352% | 1,625 |
| Net loans and leases to core deposits | 95.3831% | 1,485 |
| Total domestic deposits to total assets | 79.7974% | 5,794 |
| Equity capital to assets | 10.2742% | 3,968 |
| Core capital (leverage) ratio | 10.1771% | 3,169 |
| Tier 1 risk-based capital ratio | 12.3863% | 5,660 |
| Total risk-based capital ratio | 13.6518% | 5,628 |
| Memoranda: | ||
| Average total assets | $2,426,961,330 | 296 |
| Average earning assets | $2,266,850,000 | 287 |
| Average equity | $246,772,330 | 315 |
| Average total loans | $1,684,530,000 | 277 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7618% | 2,799 |
| Cost of funding earning assets | 0.3246% | 6,756 |
| Net interest margin | 4.4372% | 1,142 |
| Noninterest income to average assets | 0.5547% | 3,533 |
| Noninterest expense to average assets | 2.9094% | 3,591 |
| Loan and lease loss provision to assets | 0.1064% | 4,015 |
| Net operating income to assets | 1.0843% | 2,156 |
| Return on assets (ROA) | 1.0806% | 2,348 |
| Pretax return on assets | 1.6764% | 1,366 |
| Return on Equity (ROE) | 10.6858% | 2,148 |
| Retained earnings to average equity (ytd only) | 10.6858% | 1,115 |
| Net charge-offs to loans | 0.7518% | 1,357 |
| Credit loss provision to net charge-offs | 20.5617% | 3,764 |
| Earnings coverage of net charge-offs (x) | 3.4555% | 2,832 |
| Efficiency ratio | 61.9297% | 5,290 |
| Assets per employee ($millions) | 6.0249% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1093% | 750 |
| Loan loss allowance to noncurrent loans | 174.0207% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 1.5201% | 3,574 |
| Noncurrent loans to loans | 1.7867% | 3,429 |
| Net loans and leases to total assets | 66.9239% | 2,303 |
| Net loans and leases to deposits | 83.1058% | 1,779 |
| Net loans and leases to core deposits | 91.9539% | 1,654 |
| Total domestic deposits to total assets | 80.5286% | 5,715 |
| Equity capital to assets | 10.2233% | 3,822 |
| Core capital (leverage) ratio | 10.0384% | 3,319 |
| Tier 1 risk-based capital ratio | 12.3750% | 5,700 |
| Total risk-based capital ratio | 13.6429% | 5,647 |
| Memoranda: | ||
| Average total assets | $2,394,184,000 | 297 |
| Average earning assets | $2,235,534,000 | 286 |
| Average equity | $242,116,000 | 315 |
| Average total loans | $1,648,205,000 | 279 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0504% | 2,649 |
| Cost of funding earning assets | 0.4069% | 6,870 |
| Net interest margin | 4.6436% | 845 |
| Noninterest income to average assets | 0.4178% | 4,471 |
| Noninterest expense to average assets | 2.9267% | 3,858 |
| Loan and lease loss provision to assets | 0.0241% | 6,274 |
| Net operating income to assets | 1.3351% | 1,167 |
| Return on assets (ROA) | 1.3270% | 1,272 |
| Pretax return on assets | 1.8022% | 800 |
| Return on Equity (ROE) | 14.1953% | 886 |
| Retained earnings to average equity (ytd only) | 14.1953% | 167 |
| Net charge-offs to loans | 0.7399% | 2,295 |
| Credit loss provision to net charge-offs | 4.7165% | 6,044 |
| Earnings coverage of net charge-offs (x) | 3.5996% | 3,460 |
| Efficiency ratio | 61.4331% | 5,546 |
| Assets per employee ($millions) | 5.8578% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3390% | 600 |
| Loan loss allowance to noncurrent loans | 187.3324% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 3,646 |
| Noncurrent loans to loans | 1.7824% | 3,490 |
| Net loans and leases to total assets | 66.3176% | 2,727 |
| Net loans and leases to deposits | 80.8486% | 2,380 |
| Net loans and leases to core deposits | 95.4387% | 1,548 |
| Total domestic deposits to total assets | 77.9067% | 6,214 |
| Equity capital to assets | 10.0000% | 4,169 |
| Core capital (leverage) ratio | 9.7260% | 3,708 |
| Tier 1 risk-based capital ratio | 12.0795% | 5,775 |
| Total risk-based capital ratio | 13.3491% | 5,740 |
| Memoranda: | ||
| Average total assets | $2,363,529,600 | 296 |
| Average earning assets | $2,212,206,400 | 282 |
| Average equity | $220,939,800 | 322 |
| Average total loans | $1,630,426,800 | 276 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0830% | 2,692 |
| Cost of funding earning assets | 0.4251% | 6,954 |
| Net interest margin | 4.6580% | 833 |
| Noninterest income to average assets | 0.3872% | 4,757 |
| Noninterest expense to average assets | 2.8880% | 3,983 |
| Loan and lease loss provision to assets | -0.0089% | 7,299 |
| Net operating income to assets | 1.1978% | 1,658 |
| Return on assets (ROA) | 1.2013% | 1,761 |
| Pretax return on assets | 1.8778% | 823 |
| Return on Equity (ROE) | 13.0806% | 1,259 |
| Retained earnings to average equity (ytd only) | 13.0806% | 374 |
| Net charge-offs to loans | 0.7560% | 2,054 |
| Credit loss provision to net charge-offs | -1.6975% | 6,391 |
| Earnings coverage of net charge-offs (x) | 3.5682% | 3,392 |
| Efficiency ratio | 60.7815% | 5,593 |
| Assets per employee ($millions) | 5.8057% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4323% | 596 |
| Loan loss allowance to noncurrent loans | 148.8566% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 1.9638% | 3,188 |
| Noncurrent loans to loans | 2.3058% | 2,993 |
| Net loans and leases to total assets | 66.8689% | 2,698 |
| Net loans and leases to deposits | 83.3439% | 2,121 |
| Net loans and leases to core deposits | 102.0991% | 1,091 |
| Total domestic deposits to total assets | 74.9219% | 6,650 |
| Equity capital to assets | 9.5761% | 4,970 |
| Core capital (leverage) ratio | 9.3413% | 4,391 |
| Tier 1 risk-based capital ratio | 11.3033% | 6,358 |
| Total risk-based capital ratio | 12.4984% | 6,379 |
| Memoranda: | ||
| Average total assets | $2,361,312,250 | 299 |
| Average earning assets | $2,212,387,250 | 283 |
| Average equity | $216,864,750 | 331 |
| Average total loans | $1,631,117,500 | 277 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0897% | 2,728 |
| Cost of funding earning assets | 0.4425% | 7,038 |
| Net interest margin | 4.6472% | 825 |
| Noninterest income to average assets | 0.4418% | 4,337 |
| Noninterest expense to average assets | 2.9277% | 3,911 |
| Loan and lease loss provision to assets | 0.1621% | 4,303 |
| Net operating income to assets | 1.1025% | 1,866 |
| Return on assets (ROA) | 1.1177% | 1,904 |
| Pretax return on assets | 1.7397% | 974 |
| Return on Equity (ROE) | 12.3474% | 1,396 |
| Retained earnings to average equity (ytd only) | 12.3474% | 476 |
| Net charge-offs to loans | 0.9166% | 1,698 |
| Credit loss provision to net charge-offs | 25.6204% | 5,053 |
| Earnings coverage of net charge-offs (x) | 2.9686% | 3,365 |
| Efficiency ratio | 60.9221% | 5,739 |
| Assets per employee ($millions) | 5.7797% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6794% | 519 |
| Loan loss allowance to noncurrent loans | 170.7066% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 1.9425% | 3,320 |
| Noncurrent loans to loans | 2.1554% | 3,279 |
| Net loans and leases to total assets | 66.6112% | 2,908 |
| Net loans and leases to deposits | 81.3200% | 2,551 |
| Net loans and leases to core deposits | 99.6204% | 1,377 |
| Total domestic deposits to total assets | 76.9640% | 6,455 |
| Equity capital to assets | 9.3627% | 5,052 |
| Core capital (leverage) ratio | 9.0043% | 4,717 |
| Tier 1 risk-based capital ratio | 11.1219% | 6,433 |
| Total risk-based capital ratio | 12.3955% | 6,413 |
| Memoranda: | ||
| Average total assets | $2,356,906,670 | 303 |
| Average earning assets | $2,213,241,670 | 288 |
| Average equity | $213,357,000 | 336 |
| Average total loans | $1,626,737,330 | 285 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 2,689 |
| Cost of funding earning assets | 0.4544% | 7,103 |
| Net interest margin | 4.6349% | 808 |
| Noninterest income to average assets | 0.3259% | 5,305 |
| Noninterest expense to average assets | 2.9794% | 3,731 |
| Loan and lease loss provision to assets | 0.2257% | 3,403 |
| Net operating income to assets | 0.9289% | 2,448 |
| Return on assets (ROA) | 0.9035% | 2,610 |
| Pretax return on assets | 1.4381% | 1,626 |
| Return on Equity (ROE) | 10.1558% | 2,042 |
| Retained earnings to average equity (ytd only) | 10.1558% | 1,090 |
| Net charge-offs to loans | 1.3685% | 1,006 |
| Credit loss provision to net charge-offs | 23.9134% | 4,216 |
| Earnings coverage of net charge-offs (x) | 1.8054% | 3,400 |
| Efficiency ratio | 63.6215% | 5,427 |
| Assets per employee ($millions) | 5.7467% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8109% | 483 |
| Loan loss allowance to noncurrent loans | 155.1396% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 2.0696% | 3,237 |
| Noncurrent loans to loans | 2.4565% | 3,037 |
| Net loans and leases to total assets | 65.8537% | 3,052 |
| Net loans and leases to deposits | 79.2131% | 2,854 |
| Net loans and leases to core deposits | 97.8707% | 1,535 |
| Total domestic deposits to total assets | 78.3118% | 6,332 |
| Equity capital to assets | 8.9872% | 5,216 |
| Core capital (leverage) ratio | 8.5663% | 5,319 |
| Tier 1 risk-based capital ratio | 10.5691% | 6,769 |
| Total risk-based capital ratio | 11.8435% | 6,736 |
| Memoranda: | ||
| Average total assets | $2,350,524,000 | 306 |
| Average earning assets | $2,209,678,500 | 289 |
| Average equity | $209,103,000 | 340 |
| Average total loans | $1,620,724,500 | 287 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2837% | 3,205 |
| Cost of funding earning assets | 0.6278% | 7,064 |
| Net interest margin | 4.6559% | 895 |
| Noninterest income to average assets | 0.2194% | 6,237 |
| Noninterest expense to average assets | 3.0260% | 3,747 |
| Loan and lease loss provision to assets | 1.2791% | 1,209 |
| Net operating income to assets | -0.0120% | 5,858 |
| Return on assets (ROA) | -0.0282% | 5,993 |
| Pretax return on assets | 0.1945% | 5,501 |
| Return on Equity (ROE) | -0.3220% | 6,004 |
| Retained earnings to average equity (ytd only) | -0.3220% | 5,674 |
| Net charge-offs to loans | 2.3638% | 813 |
| Credit loss provision to net charge-offs | 76.7276% | 5,674 |
| Earnings coverage of net charge-offs (x) | 0.8991% | 5,216 |
| Efficiency ratio | 66.8749% | 4,785 |
| Assets per employee ($millions) | 5.6914% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0532% | 377 |
| Loan loss allowance to noncurrent loans | 155.3647% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 2.1860% | 3,114 |
| Noncurrent loans to loans | 2.6088% | 2,915 |
| Net loans and leases to total assets | 66.6305% | 3,323 |
| Net loans and leases to deposits | 81.1348% | 2,962 |
| Net loans and leases to core deposits | 105.3133% | 1,235 |
| Total domestic deposits to total assets | 76.5664% | 6,556 |
| Equity capital to assets | 8.8040% | 5,426 |
| Core capital (leverage) ratio | 8.3490% | 5,610 |
| Tier 1 risk-based capital ratio | 10.3831% | 6,773 |
| Total risk-based capital ratio | 11.6602% | 6,737 |
| Memoranda: | ||
| Average total assets | $2,362,764,800 | 302 |
| Average earning assets | $2,184,927,800 | 294 |
| Average equity | $206,861,000 | 342 |
| Average total loans | $1,666,383,200 | 288 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3350% | 3,190 |
| Cost of funding earning assets | 0.6696% | 7,132 |
| Net interest margin | 4.6653% | 917 |
| Noninterest income to average assets | 0.1946% | 6,491 |
| Noninterest expense to average assets | 3.0474% | 3,586 |
| Loan and lease loss provision to assets | 1.4380% | 935 |
| Net operating income to assets | 0.0336% | 5,917 |
| Return on assets (ROA) | 0.0146% | 6,096 |
| Pretax return on assets | -0.0249% | 6,128 |
| Return on Equity (ROE) | 0.1674% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.1674% | 5,705 |
| Net charge-offs to loans | 2.8211% | 575 |
| Credit loss provision to net charge-offs | 72.0011% | 5,365 |
| Earnings coverage of net charge-offs (x) | 0.7224% | 5,332 |
| Efficiency ratio | 67.8697% | 4,487 |
| Assets per employee ($millions) | 5.5858% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0158% | 364 |
| Loan loss allowance to noncurrent loans | 108.8393% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 3.3339% | 2,136 |
| Noncurrent loans to loans | 3.6896% | 2,111 |
| Net loans and leases to total assets | 66.1421% | 3,654 |
| Net loans and leases to deposits | 80.2248% | 3,411 |
| Net loans and leases to core deposits | 106.5920% | 1,275 |
| Total domestic deposits to total assets | 76.1053% | 6,632 |
| Equity capital to assets | 8.9339% | 5,664 |
| Core capital (leverage) ratio | 8.1997% | 6,041 |
| Tier 1 risk-based capital ratio | 10.3239% | 6,883 |
| Total risk-based capital ratio | 11.6014% | 6,863 |
| Memoranda: | ||
| Average total assets | $2,368,662,500 | 297 |
| Average earning assets | $2,180,877,000 | 290 |
| Average equity | $207,091,250 | 338 |
| Average total loans | $1,676,867,750 | 282 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3879% | 3,025 |
| Cost of funding earning assets | 0.7096% | 7,173 |
| Net interest margin | 4.6783% | 846 |
| Noninterest income to average assets | 0.0789% | 7,191 |
| Noninterest expense to average assets | 3.0520% | 3,516 |
| Loan and lease loss provision to assets | 1.6581% | 774 |
| Net operating income to assets | -0.1639% | 6,310 |
| Return on assets (ROA) | -0.1881% | 6,391 |
| Pretax return on assets | -0.3680% | 6,488 |
| Return on Equity (ROE) | -2.1670% | 6,435 |
| Retained earnings to average equity (ytd only) | -2.1670% | 6,175 |
| Net charge-offs to loans | 3.2143% | 478 |
| Credit loss provision to net charge-offs | 72.2332% | 4,910 |
| Earnings coverage of net charge-offs (x) | 0.5785% | 5,159 |
| Efficiency ratio | 69.6823% | 4,248 |
| Assets per employee ($millions) | 5.8317% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0635% | 352 |
| Loan loss allowance to noncurrent loans | 126.3882% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 3.0318% | 2,351 |
| Noncurrent loans to loans | 3.2151% | 2,490 |
| Net loans and leases to total assets | 66.2704% | 3,776 |
| Net loans and leases to deposits | 78.6158% | 3,864 |
| Net loans and leases to core deposits | 108.3896% | 1,276 |
| Total domestic deposits to total assets | 77.5802% | 6,372 |
| Equity capital to assets | 8.5668% | 6,072 |
| Core capital (leverage) ratio | 8.2921% | 5,787 |
| Tier 1 risk-based capital ratio | 10.3956% | 6,763 |
| Total risk-based capital ratio | 11.6747% | 6,728 |
| Memoranda: | ||
| Average total assets | $2,374,341,000 | 297 |
| Average earning assets | $2,182,797,330 | 289 |
| Average equity | $206,091,330 | 337 |
| Average total loans | $1,695,660,330 | 281 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 2,737 |
| Cost of funding earning assets | 0.7520% | 7,225 |
| Net interest margin | 4.7169% | 756 |
| Noninterest income to average assets | 0.3305% | 5,497 |
| Noninterest expense to average assets | 3.0396% | 3,525 |
| Loan and lease loss provision to assets | 1.9253% | 580 |
| Net operating income to assets | -0.1314% | 6,460 |
| Return on assets (ROA) | -0.1537% | 6,562 |
| Pretax return on assets | -0.3256% | 6,663 |
| Return on Equity (ROE) | -1.7593% | 6,613 |
| Retained earnings to average equity (ytd only) | -1.7593% | 6,172 |
| Net charge-offs to loans | 3.8563% | 353 |
| Credit loss provision to net charge-offs | 68.7610% | 4,131 |
| Earnings coverage of net charge-offs (x) | 0.5838% | 4,503 |
| Efficiency ratio | 65.0290% | 5,303 |
| Assets per employee ($millions) | 5.8013% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1327% | 333 |
| Loan loss allowance to noncurrent loans | 133.1859% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 3.1989% | 2,245 |
| Noncurrent loans to loans | 3.1030% | 2,583 |
| Net loans and leases to total assets | 69.1331% | 3,132 |
| Net loans and leases to deposits | 81.7592% | 3,330 |
| Net loans and leases to core deposits | 114.4772% | 1,019 |
| Total domestic deposits to total assets | 78.7845% | 6,129 |
| Equity capital to assets | 8.7874% | 5,573 |
| Core capital (leverage) ratio | 8.2964% | 5,750 |
| Tier 1 risk-based capital ratio | 10.1118% | 6,956 |
| Total risk-based capital ratio | 11.3913% | 6,926 |
| Memoranda: | ||
| Average total assets | $2,360,182,000 | 309 |
| Average earning assets | $2,173,450,000 | 301 |
| Average equity | $206,221,000 | 338 |
| Average total loans | $1,713,643,500 | 287 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5407% | 3,925 |
| Cost of funding earning assets | 0.9268% | 7,347 |
| Net interest margin | 4.6139% | 953 |
| Noninterest income to average assets | 0.2639% | 6,230 |
| Noninterest expense to average assets | 2.6811% | 5,477 |
| Loan and lease loss provision to assets | 4.1278% | 310 |
| Net operating income to assets | -1.3830% | 6,806 |
| Return on assets (ROA) | -1.4356% | 6,828 |
| Pretax return on assets | -2.3155% | 7,072 |
| Return on Equity (ROE) | -16.9910% | 7,030 |
| Retained earnings to average equity (ytd only) | -16.9910% | 6,986 |
| Net charge-offs to loans | 3.7254% | 495 |
| Credit loss provision to net charge-offs | 145.1220% | 3,279 |
| Earnings coverage of net charge-offs (x) | 0.6661% | 5,423 |
| Efficiency ratio | 55.6591% | 7,056 |
| Assets per employee ($millions) | 5.8538% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3179% | 291 |
| Loan loss allowance to noncurrent loans | 134.9592% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 3.1074% | 2,233 |
| Noncurrent loans to loans | 3.1994% | 2,388 |
| Net loans and leases to total assets | 69.9366% | 3,270 |
| Net loans and leases to deposits | 82.9111% | 3,470 |
| Net loans and leases to core deposits | 121.6672% | 1,811 |
| Total domestic deposits to total assets | 79.8282% | 5,719 |
| Equity capital to assets | 8.6883% | 5,604 |
| Core capital (leverage) ratio | 8.3088% | 5,595 |
| Tier 1 risk-based capital ratio | 10.1281% | 6,763 |
| Total risk-based capital ratio | 11.4101% | 6,696 |
| Memoranda: | ||
| Average total assets | $2,505,598,000 | 295 |
| Average earning assets | $2,341,512,000 | 284 |
| Average equity | $211,705,800 | 338 |
| Average total loans | $1,913,080,200 | 272 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5399% | 4,213 |
| Cost of funding earning assets | 0.9353% | 7,505 |
| Net interest margin | 4.6046% | 984 |
| Noninterest income to average assets | 0.2905% | 6,158 |
| Noninterest expense to average assets | 2.6841% | 5,391 |
| Loan and lease loss provision to assets | 4.6671% | 201 |
| Net operating income to assets | -1.7358% | 7,209 |
| Return on assets (ROA) | -1.8009% | 7,235 |
| Pretax return on assets | -2.8462% | 7,460 |
| Return on Equity (ROE) | -21.4564% | 7,426 |
| Retained earnings to average equity (ytd only) | -21.4564% | 7,392 |
| Net charge-offs to loans | 3.4467% | 435 |
| Credit loss provision to net charge-offs | 175.5910% | 2,629 |
| Earnings coverage of net charge-offs (x) | 0.7234% | 5,313 |
| Efficiency ratio | 54.4265% | 7,191 |
| Assets per employee ($millions) | 6.0688% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4427% | 218 |
| Loan loss allowance to noncurrent loans | 173.3259% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 2.7035% | 2,574 |
| Noncurrent loans to loans | 2.5632% | 2,942 |
| Net loans and leases to total assets | 71.3167% | 3,193 |
| Net loans and leases to deposits | 88.5616% | 2,861 |
| Net loans and leases to core deposits | 136.8091% | 1,061 |
| Total domestic deposits to total assets | 75.8692% | 6,607 |
| Equity capital to assets | 8.4957% | 6,262 |
| Core capital (leverage) ratio | 8.2151% | 5,986 |
| Tier 1 risk-based capital ratio | 10.0104% | 6,976 |
| Total risk-based capital ratio | 11.2953% | 6,885 |
| Memoranda: | ||
| Average total assets | $2,537,833,500 | 302 |
| Average earning assets | $2,378,926,750 | 292 |
| Average equity | $213,009,750 | 350 |
| Average total loans | $1,957,059,750 | 280 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5435% | 4,366 |
| Cost of funding earning assets | 0.9286% | 7,658 |
| Net interest margin | 4.6150% | 929 |
| Noninterest income to average assets | 0.2805% | 6,261 |
| Noninterest expense to average assets | 2.7210% | 5,302 |
| Loan and lease loss provision to assets | 5.3724% | 170 |
| Net operating income to assets | -2.2279% | 7,486 |
| Return on assets (ROA) | -2.3102% | 7,511 |
| Pretax return on assets | -3.6116% | 7,692 |
| Return on Equity (ROE) | -27.6309% | 7,679 |
| Retained earnings to average equity (ytd only) | -27.6309% | 7,651 |
| Net charge-offs to loans | 3.6574% | 409 |
| Credit loss provision to net charge-offs | 188.5549% | 2,421 |
| Earnings coverage of net charge-offs (x) | 0.6631% | 5,040 |
| Efficiency ratio | 53.3356% | 7,399 |
| Assets per employee ($millions) | 6.1882% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8555% | 293 |
| Loan loss allowance to noncurrent loans | 111.0595% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 3.7688% | 1,619 |
| Noncurrent loans to loans | 3.4715% | 2,026 |
| Net loans and leases to total assets | 75.0653% | 2,420 |
| Net loans and leases to deposits | 103.8708% | 925 |
| Net loans and leases to core deposits | 163.5743% | 393 |
| Total domestic deposits to total assets | 68.1359% | 7,615 |
| Equity capital to assets | 8.1267% | 6,599 |
| Core capital (leverage) ratio | 7.7699% | 6,648 |
| Tier 1 risk-based capital ratio | 9.4645% | 7,423 |
| Total risk-based capital ratio | 10.7437% | 7,349 |
| Memoranda: | ||
| Average total assets | $2,568,532,670 | 304 |
| Average earning assets | $2,409,900,330 | 297 |
| Average equity | $214,752,000 | 354 |
| Average total loans | $2,000,976,000 | 281 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4834% | 4,993 |
| Cost of funding earning assets | 0.9303% | 7,773 |
| Net interest margin | 4.5531% | 1,032 |
| Noninterest income to average assets | 0.3393% | 5,741 |
| Noninterest expense to average assets | 2.9024% | 4,149 |
| Loan and lease loss provision to assets | 5.1863% | 152 |
| Net operating income to assets | -2.3040% | 7,724 |
| Return on assets (ROA) | -2.4375% | 7,755 |
| Pretax return on assets | -3.6621% | 7,864 |
| Return on Equity (ROE) | -28.7671% | 7,896 |
| Retained earnings to average equity (ytd only) | -28.7671% | 7,844 |
| Net charge-offs to loans | 2.6141% | 519 |
| Credit loss provision to net charge-offs | 254.9445% | 1,848 |
| Earnings coverage of net charge-offs (x) | 0.8472% | 4,346 |
| Efficiency ratio | 51.5631% | 7,461 |
| Assets per employee ($millions) | 6.4223% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1373% | 431 |
| Loan loss allowance to noncurrent loans | 144.6070% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 2.0360% | 2,841 |
| Noncurrent loans to loans | 2.1695% | 3,025 |
| Net loans and leases to total assets | 75.5826% | 2,368 |
| Net loans and leases to deposits | 113.0729% | 474 |
| Net loans and leases to core deposits | 171.5798% | 319 |
| Total domestic deposits to total assets | 62.9708% | 7,883 |
| Equity capital to assets | 8.2436% | 6,474 |
| Core capital (leverage) ratio | 8.1461% | 6,192 |
| Tier 1 risk-based capital ratio | 9.7650% | 7,183 |
| Total risk-based capital ratio | 11.0359% | 7,065 |
| Memoranda: | ||
| Average total assets | $2,602,784,000 | 299 |
| Average earning assets | $2,450,458,500 | 294 |
| Average equity | $220,543,500 | 339 |
| Average total loans | $2,025,509,000 | 280 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2301% | 4,354 |
| Cost of funding earning assets | 1.8860% | 6,771 |
| Net interest margin | 4.3440% | 1,840 |
| Noninterest income to average assets | 0.2689% | 6,532 |
| Noninterest expense to average assets | 2.3004% | 6,700 |
| Loan and lease loss provision to assets | 1.6080% | 816 |
| Net operating income to assets | 0.3109% | 5,506 |
| Return on assets (ROA) | 0.2654% | 5,485 |
| Pretax return on assets | 0.3875% | 5,296 |
| Return on Equity (ROE) | 2.8913% | 5,278 |
| Retained earnings to average equity (ytd only) | 0.6902% | 4,815 |
| Net charge-offs to loans | 0.8742% | 1,425 |
| Credit loss provision to net charge-offs | 234.2595% | 2,030 |
| Earnings coverage of net charge-offs (x) | 3.0047% | 4,584 |
| Efficiency ratio | 52.7270% | 7,410 |
| Assets per employee ($millions) | 6.5271% | 877 |
| Cash dividends to net income (ytd only)* | 76.1267% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1094% | 1,058 |
| Loan loss allowance to noncurrent loans | 102.9305% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 1.8176% | 2,709 |
| Noncurrent loans to loans | 2.0494% | 2,697 |
| Net loans and leases to total assets | 75.9763% | 2,629 |
| Net loans and leases to deposits | 117.2235% | 470 |
| Net loans and leases to core deposits | 153.8689% | 719 |
| Total domestic deposits to total assets | 61.4501% | 7,909 |
| Equity capital to assets | 8.7006% | 5,812 |
| Core capital (leverage) ratio | 8.6083% | 5,367 |
| Tier 1 risk-based capital ratio | 10.2334% | 6,481 |
| Total risk-based capital ratio | 11.4923% | 6,341 |
| Memoranda: | ||
| Average total assets | $2,474,821,200 | 305 |
| Average earning assets | $2,332,371,400 | 292 |
| Average equity | $227,164,600 | 336 |
| Average total loans | $1,943,337,800 | 281 |