Home > Communityone Bank > Performance and Condition Ratios
Communityone Bank, Performance and Condition Ratios
| 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 | 3.9861% | 3,276 |
| Cost of funding earning assets | 0.4473% | 2,578 |
| Net interest margin | 3.5388% | 3,323 |
| Noninterest income to average assets | 0.7969% | 1,776 |
| Noninterest expense to average assets | 2.7278% | 3,266 |
| Loan and lease loss provision to assets | 0.0194% | 3,858 |
| Net operating income to assets | 0.6065% | 4,267 |
| Return on assets (ROA) | 0.6065% | 4,383 |
| Pretax return on assets | 1.1507% | 3,047 |
| Return on Equity (ROE) | 4.2425% | 4,814 |
| Retained earnings to average equity (ytd only) | 3.8485% | 3,566 |
| Net charge-offs to loans | 0.2154% | 1,078 |
| Credit loss provision to net charge-offs | 13.8833% | 3,339 |
| Earnings coverage of net charge-offs (x) | 8.3614% | 2,779 |
| Efficiency ratio | 68.9171% | 3,055 |
| Assets per employee ($millions) | 5.2215% | 2,123 |
| Cash dividends to net income (ytd only)* | 9.2851% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 5,057 |
| Loan loss allowance to noncurrent loans | 57.0386% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 1.4448% | 1,270 |
| Noncurrent loans to loans | 1.4824% | 1,456 |
| Net loans and leases to total assets | 65.3004% | 3,238 |
| Net loans and leases to deposits | 80.1829% | 2,940 |
| Net loans and leases to core deposits | 85.5640% | 2,985 |
| Total domestic deposits to total assets | 81.4393% | 4,123 |
| Equity capital to assets | 14.7023% | 815 |
| Core capital (leverage) ratio | 10.2989% | 3,229 |
| Tier 1 risk-based capital ratio | 13.4803% | 3,871 |
| Total risk-based capital ratio | 14.3043% | 4,041 |
| Memoranda: | ||
| Average total assets | $2,367,520,250 | 352 |
| Average earning assets | $2,074,615,500 | 361 |
| Average equity | $338,474,000 | 290 |
| Average total loans | $1,537,879,250 | 365 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9854% | 3,288 |
| Cost of funding earning assets | 0.4518% | 2,548 |
| Net interest margin | 3.5336% | 3,354 |
| Noninterest income to average assets | 0.9338% | 1,277 |
| Noninterest expense to average assets | 2.8239% | 2,945 |
| Loan and lease loss provision to assets | -0.0024% | 5,743 |
| Net operating income to assets | 0.7620% | 3,496 |
| Return on assets (ROA) | 0.7620% | 3,637 |
| Pretax return on assets | 1.2047% | 2,768 |
| Return on Equity (ROE) | 5.3805% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.3805% | 2,498 |
| Net charge-offs to loans | 0.1904% | 1,204 |
| Credit loss provision to net charge-offs | -1.9152% | 4,436 |
| Earnings coverage of net charge-offs (x) | 9.7668% | 2,385 |
| Efficiency ratio | 68.9560% | 3,162 |
| Assets per employee ($millions) | 5.1626% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,970 |
| Loan loss allowance to noncurrent loans | 50.8383% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.7479% | 1,008 |
| Noncurrent loans to loans | 1.7624% | 1,189 |
| Net loans and leases to total assets | 64.3927% | 3,309 |
| Net loans and leases to deposits | 79.0925% | 3,044 |
| Net loans and leases to core deposits | 84.6816% | 3,019 |
| Total domestic deposits to total assets | 81.4144% | 4,158 |
| Equity capital to assets | 14.5992% | 846 |
| Core capital (leverage) ratio | 9.9986% | 3,566 |
| Tier 1 risk-based capital ratio | 13.1148% | 4,125 |
| Total risk-based capital ratio | 13.9837% | 4,263 |
| Memoranda: | ||
| Average total assets | $2,375,210,000 | 348 |
| Average earning assets | $2,078,667,670 | 362 |
| Average equity | $336,402,670 | 291 |
| Average total loans | $1,535,842,000 | 367 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 3,478 |
| Cost of funding earning assets | 0.4568% | 2,509 |
| Net interest margin | 3.4692% | 3,589 |
| Noninterest income to average assets | 0.9818% | 1,121 |
| Noninterest expense to average assets | 2.8570% | 2,856 |
| Loan and lease loss provision to assets | -0.0897% | 5,979 |
| Net operating income to assets | 0.7914% | 3,290 |
| Return on assets (ROA) | 0.7914% | 3,394 |
| Pretax return on assets | 1.2499% | 2,500 |
| Return on Equity (ROE) | 5.6737% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.6737% | 2,543 |
| Net charge-offs to loans | 0.1092% | 1,473 |
| Credit loss provision to net charge-offs | -127.3810% | 4,272 |
| Earnings coverage of net charge-offs (x) | 16.4762% | 1,618 |
| Efficiency ratio | 69.7078% | 3,184 |
| Assets per employee ($millions) | 4.6140% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,946 |
| Loan loss allowance to noncurrent loans | 45.3373% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 1.9008% | 940 |
| Noncurrent loans to loans | 2.0546% | 1,031 |
| Net loans and leases to total assets | 63.6116% | 3,292 |
| Net loans and leases to deposits | 77.4315% | 3,060 |
| Net loans and leases to core deposits | 83.0145% | 3,044 |
| Total domestic deposits to total assets | 82.1521% | 4,169 |
| Equity capital to assets | 14.1604% | 928 |
| Core capital (leverage) ratio | 9.6229% | 4,008 |
| Tier 1 risk-based capital ratio | 13.0650% | 4,224 |
| Total risk-based capital ratio | 13.9731% | 4,355 |
| Memoranda: | ||
| Average total assets | $2,385,749,000 | 348 |
| Average earning assets | $2,087,408,000 | 361 |
| Average equity | $332,761,500 | 292 |
| Average total loans | $1,538,966,000 | 364 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,471 |
| Cost of funding earning assets | 0.4562% | 2,568 |
| Net interest margin | 3.5037% | 3,504 |
| Noninterest income to average assets | 0.7283% | 2,074 |
| Noninterest expense to average assets | 3.1116% | 2,200 |
| Loan and lease loss provision to assets | -0.1300% | 5,898 |
| Net operating income to assets | 0.4546% | 4,869 |
| Return on assets (ROA) | 0.4546% | 4,952 |
| Pretax return on assets | 0.7786% | 4,264 |
| Return on Equity (ROE) | 3.2012% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.2012% | 3,777 |
| Net charge-offs to loans | 0.1488% | 1,878 |
| Credit loss provision to net charge-offs | -137.4366% | 5,211 |
| Earnings coverage of net charge-offs (x) | 6.8557% | 3,161 |
| Efficiency ratio | 81.1011% | 1,520 |
| Assets per employee ($millions) | 4.3785% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 4,713 |
| Loan loss allowance to noncurrent loans | 47.6930% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.0125% | 871 |
| Noncurrent loans to loans | 2.0565% | 1,004 |
| Net loans and leases to total assets | 64.1667% | 3,250 |
| Net loans and leases to deposits | 78.7180% | 2,973 |
| Net loans and leases to core deposits | 83.7950% | 2,985 |
| Total domestic deposits to total assets | 81.5146% | 4,328 |
| Equity capital to assets | 13.7362% | 1,025 |
| Core capital (leverage) ratio | 9.2965% | 4,479 |
| Tier 1 risk-based capital ratio | 12.5286% | 4,610 |
| Total risk-based capital ratio | 13.4834% | 4,708 |
| Memoranda: | ||
| Average total assets | $2,292,607,400 | 343 |
| Average earning assets | $1,983,842,800 | 357 |
| Average equity | $325,563,600 | 281 |
| Average total loans | $1,457,685,400 | 360 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9789% | 3,416 |
| Cost of funding earning assets | 0.4542% | 2,645 |
| Net interest margin | 3.5247% | 3,447 |
| Noninterest income to average assets | 0.7212% | 2,142 |
| Noninterest expense to average assets | 3.0482% | 2,369 |
| Loan and lease loss provision to assets | -0.1170% | 6,028 |
| Net operating income to assets | 0.4766% | 4,869 |
| Return on assets (ROA) | 0.4766% | 4,972 |
| Pretax return on assets | 0.8326% | 4,233 |
| Return on Equity (ROE) | 3.3277% | 5,280 |
| Retained earnings to average equity (ytd only) | 3.3277% | 4,103 |
| Net charge-offs to loans | 0.1084% | 2,043 |
| Credit loss provision to net charge-offs | -170.5227% | 5,141 |
| Earnings coverage of net charge-offs (x) | 10.4310% | 2,597 |
| Efficiency ratio | 79.3100% | 1,756 |
| Assets per employee ($millions) | 4.2539% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 4,081 |
| Loan loss allowance to noncurrent loans | 53.9164% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.1616% | 892 |
| Noncurrent loans to loans | 2.0883% | 1,087 |
| Net loans and leases to total assets | 64.2780% | 3,264 |
| Net loans and leases to deposits | 79.4800% | 2,937 |
| Net loans and leases to core deposits | 84.9782% | 2,952 |
| Total domestic deposits to total assets | 80.8731% | 4,506 |
| Equity capital to assets | 14.0316% | 1,008 |
| Core capital (leverage) ratio | 9.5256% | 4,265 |
| Tier 1 risk-based capital ratio | 12.9287% | 4,468 |
| Total risk-based capital ratio | 14.0420% | 4,464 |
| Memoranda: | ||
| Average total assets | $2,268,096,000 | 350 |
| Average earning assets | $1,957,871,750 | 368 |
| Average equity | $324,858,000 | 288 |
| Average total loans | $1,434,807,250 | 366 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 3,283 |
| Cost of funding earning assets | 0.4591% | 2,619 |
| Net interest margin | 3.5411% | 3,332 |
| Noninterest income to average assets | 0.6827% | 2,291 |
| Noninterest expense to average assets | 3.1201% | 2,186 |
| Loan and lease loss provision to assets | -0.1719% | 6,157 |
| Net operating income to assets | 0.5020% | 4,761 |
| Return on assets (ROA) | 0.5020% | 4,867 |
| Pretax return on assets | 0.7832% | 4,376 |
| Return on Equity (ROE) | 3.4802% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.4802% | 3,826 |
| Net charge-offs to loans | 0.0612% | 2,504 |
| Credit loss provision to net charge-offs | -447.9070% | 5,187 |
| Earnings coverage of net charge-offs (x) | 15.9326% | 1,939 |
| Efficiency ratio | 81.9336% | 1,496 |
| Assets per employee ($millions) | 4.1519% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 3,552 |
| Loan loss allowance to noncurrent loans | 54.0064% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 2.3179% | 864 |
| Noncurrent loans to loans | 2.2994% | 1,027 |
| Net loans and leases to total assets | 62.5355% | 3,472 |
| Net loans and leases to deposits | 77.0029% | 3,162 |
| Net loans and leases to core deposits | 81.1429% | 3,266 |
| Total domestic deposits to total assets | 81.2119% | 4,546 |
| Equity capital to assets | 14.1612% | 932 |
| Core capital (leverage) ratio | 9.6656% | 4,046 |
| Tier 1 risk-based capital ratio | 13.2659% | 4,365 |
| Total risk-based capital ratio | 14.4928% | 4,307 |
| Memoranda: | ||
| Average total assets | $2,241,404,670 | 351 |
| Average earning assets | $1,929,750,330 | 371 |
| Average equity | $323,315,670 | 291 |
| Average total loans | $1,404,228,330 | 371 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 3,082 |
| Cost of funding earning assets | 0.4622% | 2,653 |
| Net interest margin | 3.5785% | 3,084 |
| Noninterest income to average assets | 0.6896% | 2,207 |
| Noninterest expense to average assets | 3.1794% | 2,033 |
| Loan and lease loss provision to assets | -0.2050% | 6,268 |
| Net operating income to assets | 0.5074% | 4,645 |
| Return on assets (ROA) | 0.5074% | 4,766 |
| Pretax return on assets | 0.7920% | 4,273 |
| Return on Equity (ROE) | 3.4849% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.4849% | 3,903 |
| Net charge-offs to loans | 0.0579% | 2,178 |
| Credit loss provision to net charge-offs | -568.5000% | 4,848 |
| Earnings coverage of net charge-offs (x) | 16.2750% | 1,578 |
| Efficiency ratio | 82.7309% | 1,532 |
| Assets per employee ($millions) | 4.0187% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 3,126 |
| Loan loss allowance to noncurrent loans | 48.6350% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 2.6912% | 752 |
| Noncurrent loans to loans | 2.7847% | 829 |
| Net loans and leases to total assets | 62.1852% | 3,337 |
| Net loans and leases to deposits | 76.4920% | 2,995 |
| Net loans and leases to core deposits | 80.5001% | 3,105 |
| Total domestic deposits to total assets | 81.2964% | 4,736 |
| Equity capital to assets | 14.6008% | 803 |
| Core capital (leverage) ratio | 9.6933% | 4,024 |
| Tier 1 risk-based capital ratio | 13.3478% | 4,397 |
| Total risk-based capital ratio | 14.6609% | 4,288 |
| Memoranda: | ||
| Average total assets | $2,218,252,500 | 354 |
| Average earning assets | $1,907,256,000 | 371 |
| Average equity | $322,990,500 | 292 |
| Average total loans | $1,382,032,500 | 372 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 3,640 |
| Cost of funding earning assets | 0.4870% | 2,811 |
| Net interest margin | 3.5340% | 3,667 |
| Noninterest income to average assets | 0.7737% | 1,976 |
| Noninterest expense to average assets | 3.7649% | 1,043 |
| Loan and lease loss provision to assets | -0.2627% | 6,345 |
| Net operating income to assets | 7.2588% | 27 |
| Return on assets (ROA) | 7.3064% | 27 |
| Pretax return on assets | 0.4935% | 5,271 |
| Return on Equity (ROE) | 81.0106% | 7 |
| Retained earnings to average equity (ytd only) | 81.0106% | 2 |
| Net charge-offs to loans | 0.0837% | 3,299 |
| Credit loss provision to net charge-offs | -502.4322% | 5,791 |
| Earnings coverage of net charge-offs (x) | 3.5042% | 3,877 |
| Efficiency ratio | 93.6171% | 615 |
| Assets per employee ($millions) | 3.8706% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,503 |
| Loan loss allowance to noncurrent loans | 43.8045% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 3.0119% | 666 |
| Noncurrent loans to loans | 3.4136% | 613 |
| Net loans and leases to total assets | 60.6406% | 3,702 |
| Net loans and leases to deposits | 74.4390% | 3,379 |
| Net loans and leases to core deposits | 78.2478% | 3,491 |
| Total domestic deposits to total assets | 81.4635% | 4,607 |
| Equity capital to assets | 14.5201% | 804 |
| Core capital (leverage) ratio | 9.9428% | 3,651 |
| Tier 1 risk-based capital ratio | 13.6258% | 4,337 |
| Total risk-based capital ratio | 14.8793% | 4,273 |
| Memoranda: | ||
| Average total assets | $2,044,800,800 | 365 |
| Average earning assets | $1,836,732,800 | 365 |
| Average equity | $184,422,800 | 437 |
| Average total loans | $1,277,685,600 | 368 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 3,773 |
| Cost of funding earning assets | 0.4893% | 2,872 |
| Net interest margin | 3.5070% | 3,800 |
| Noninterest income to average assets | 0.7674% | 2,023 |
| Noninterest expense to average assets | 3.7727% | 1,009 |
| Loan and lease loss provision to assets | -0.2694% | 6,442 |
| Net operating income to assets | 0.4530% | 5,065 |
| Return on assets (ROA) | 0.5032% | 4,928 |
| Pretax return on assets | 0.5020% | 5,319 |
| Return on Equity (ROE) | 6.7073% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.7073% | 1,979 |
| Net charge-offs to loans | 0.1286% | 2,507 |
| Credit loss provision to net charge-offs | -333.9934% | 5,671 |
| Earnings coverage of net charge-offs (x) | 2.2616% | 3,958 |
| Efficiency ratio | 93.6128% | 614 |
| Assets per employee ($millions) | 3.5512% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 2,197 |
| Loan loss allowance to noncurrent loans | 44.2619% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.4174% | 637 |
| Noncurrent loans to loans | 3.6831% | 624 |
| Net loans and leases to total assets | 64.5062% | 3,110 |
| Net loans and leases to deposits | 73.8263% | 3,452 |
| Net loans and leases to core deposits | 77.2836% | 3,608 |
| Total domestic deposits to total assets | 87.3756% | 2,106 |
| Equity capital to assets | 7.8026% | 6,210 |
| Core capital (leverage) ratio | 7.9660% | 6,092 |
| Tier 1 risk-based capital ratio | 11.7833% | 5,622 |
| Total risk-based capital ratio | 13.0383% | 5,538 |
| Memoranda: | ||
| Average total assets | $2,003,467,500 | 368 |
| Average earning assets | $1,821,061,250 | 364 |
| Average equity | $150,300,000 | 502 |
| Average total loans | $1,256,961,250 | 373 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9888% | 3,771 |
| Cost of funding earning assets | 0.4886% | 2,936 |
| Net interest margin | 3.5002% | 3,791 |
| Noninterest income to average assets | 0.7459% | 2,066 |
| Noninterest expense to average assets | 3.6620% | 1,196 |
| Loan and lease loss provision to assets | -0.2369% | 6,496 |
| Net operating income to assets | 0.4740% | 4,916 |
| Return on assets (ROA) | 0.5424% | 4,732 |
| Pretax return on assets | 0.5683% | 5,062 |
| Return on Equity (ROE) | 7.3282% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.3282% | 1,600 |
| Net charge-offs to loans | 0.0712% | 2,994 |
| Credit loss provision to net charge-offs | -538.4091% | 5,586 |
| Earnings coverage of net charge-offs (x) | 5.8955% | 2,853 |
| Efficiency ratio | 91.5902% | 790 |
| Assets per employee ($millions) | 3.5981% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 1,618 |
| Loan loss allowance to noncurrent loans | 44.1317% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 3.7820% | 595 |
| Noncurrent loans to loans | 4.2722% | 528 |
| Net loans and leases to total assets | 62.0314% | 3,397 |
| Net loans and leases to deposits | 70.7179% | 3,731 |
| Net loans and leases to core deposits | 74.3108% | 3,805 |
| Total domestic deposits to total assets | 87.7167% | 2,077 |
| Equity capital to assets | 7.7114% | 6,293 |
| Core capital (leverage) ratio | 7.8650% | 6,177 |
| Tier 1 risk-based capital ratio | 12.0234% | 5,528 |
| Total risk-based capital ratio | 13.2815% | 5,457 |
| Memoranda: | ||
| Average total assets | $2,000,109,000 | 364 |
| Average earning assets | $1,814,578,670 | 361 |
| Average equity | $148,030,330 | 502 |
| Average total loans | $1,235,820,000 | 377 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,797 |
| Cost of funding earning assets | 0.4818% | 3,094 |
| Net interest margin | 3.4911% | 3,737 |
| Noninterest income to average assets | 0.8024% | 1,736 |
| Noninterest expense to average assets | 3.7467% | 1,061 |
| Loan and lease loss provision to assets | -0.1372% | 6,521 |
| Net operating income to assets | 0.3476% | 5,321 |
| Return on assets (ROA) | 0.3476% | 5,381 |
| Pretax return on assets | 0.3522% | 5,588 |
| Return on Equity (ROE) | 4.7974% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.7974% | 3,235 |
| Net charge-offs to loans | 0.0204% | 3,177 |
| Credit loss provision to net charge-offs | -1,103.2258% | 5,364 |
| Earnings coverage of net charge-offs (x) | 17.2903% | 1,463 |
| Efficiency ratio | 92.7913% | 826 |
| Assets per employee ($millions) | 3.5073% | 4,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1313% | 1,272 |
| Loan loss allowance to noncurrent loans | 44.3942% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 4.1485% | 553 |
| Noncurrent loans to loans | 4.8008% | 479 |
| Net loans and leases to total assets | 59.6014% | 3,621 |
| Net loans and leases to deposits | 67.6039% | 3,901 |
| Net loans and leases to core deposits | 71.1452% | 3,967 |
| Total domestic deposits to total assets | 88.1627% | 2,134 |
| Equity capital to assets | 7.3277% | 6,369 |
| Core capital (leverage) ratio | 7.7369% | 6,255 |
| Tier 1 risk-based capital ratio | 12.0872% | 5,580 |
| Total risk-based capital ratio | 13.3800% | 5,486 |
| Memoranda: | ||
| Average total assets | $1,994,499,000 | 365 |
| Average earning assets | $1,804,908,000 | 363 |
| Average equity | $144,494,500 | 510 |
| Average total loans | $1,217,915,000 | 378 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 3,936 |
| Cost of funding earning assets | 0.5106% | 3,493 |
| Net interest margin | 3.5343% | 3,744 |
| Noninterest income to average assets | 0.7922% | 2,110 |
| Noninterest expense to average assets | 4.0042% | 871 |
| Loan and lease loss provision to assets | 0.0254% | 4,623 |
| Net operating income to assets | -0.0707% | 6,272 |
| Return on assets (ROA) | 0.0155% | 6,227 |
| Pretax return on assets | 0.0799% | 6,113 |
| Return on Equity (ROE) | 0.2183% | 6,210 |
| Retained earnings to average equity (ytd only) | 0.2183% | 5,746 |
| Net charge-offs to loans | 0.2583% | 2,416 |
| Credit loss provision to net charge-offs | 17.1363% | 4,494 |
| Earnings coverage of net charge-offs (x) | -0.1979% | 5,146 |
| Efficiency ratio | 99.0188% | 510 |
| Assets per employee ($millions) | 3.4128% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2062% | 1,165 |
| Loan loss allowance to noncurrent loans | 44.4225% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 4.4730% | 568 |
| Noncurrent loans to loans | 4.9664% | 511 |
| Net loans and leases to total assets | 59.8791% | 3,742 |
| Net loans and leases to deposits | 67.8712% | 4,074 |
| Net loans and leases to core deposits | 70.4731% | 4,248 |
| Total domestic deposits to total assets | 88.2247% | 2,042 |
| Equity capital to assets | 7.1606% | 6,410 |
| Core capital (leverage) ratio | 7.4945% | 6,372 |
| Tier 1 risk-based capital ratio | 11.9368% | 5,650 |
| Total risk-based capital ratio | 13.1981% | 5,589 |
| Memoranda: | ||
| Average total assets | $2,058,838,400 | 346 |
| Average earning assets | $1,853,941,400 | 346 |
| Average equity | $146,098,800 | 499 |
| Average total loans | $1,181,647,000 | 378 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9969% | 4,145 |
| Cost of funding earning assets | 0.5192% | 3,576 |
| Net interest margin | 3.4776% | 3,980 |
| Noninterest income to average assets | 0.7354% | 2,434 |
| Noninterest expense to average assets | 4.1305% | 740 |
| Loan and lease loss provision to assets | -0.0832% | 6,601 |
| Net operating income to assets | -0.3344% | 6,542 |
| Return on assets (ROA) | -0.1565% | 6,467 |
| Pretax return on assets | -0.0040% | 6,326 |
| Return on Equity (ROE) | -2.2103% | 6,493 |
| Retained earnings to average equity (ytd only) | -2.2103% | 6,289 |
| Net charge-offs to loans | 0.2989% | 2,038 |
| Credit loss provision to net charge-offs | -49.2968% | 5,709 |
| Earnings coverage of net charge-offs (x) | -1.5705% | 5,050 |
| Efficiency ratio | 105.1080% | 346 |
| Assets per employee ($millions) | 3.3915% | 5,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1193% | 1,467 |
| Loan loss allowance to noncurrent loans | 31.4040% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 5.6032% | 458 |
| Noncurrent loans to loans | 6.7486% | 321 |
| Net loans and leases to total assets | 57.6196% | 4,073 |
| Net loans and leases to deposits | 65.4635% | 4,359 |
| Net loans and leases to core deposits | 67.7265% | 4,549 |
| Total domestic deposits to total assets | 88.0180% | 2,119 |
| Equity capital to assets | 6.9853% | 6,556 |
| Core capital (leverage) ratio | 7.3890% | 6,487 |
| Tier 1 risk-based capital ratio | 11.6180% | 6,003 |
| Total risk-based capital ratio | 12.8777% | 5,958 |
| Memoranda: | ||
| Average total assets | $2,077,841,500 | 342 |
| Average earning assets | $1,870,121,500 | 340 |
| Average equity | $147,128,000 | 501 |
| Average total loans | $1,173,537,750 | 378 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 4,650 |
| Cost of funding earning assets | 0.5417% | 3,485 |
| Net interest margin | 3.3094% | 4,538 |
| Noninterest income to average assets | 0.5966% | 3,216 |
| Noninterest expense to average assets | 4.3723% | 589 |
| Loan and lease loss provision to assets | -0.0905% | 6,698 |
| Net operating income to assets | -0.9105% | 6,731 |
| Return on assets (ROA) | -0.6502% | 6,695 |
| Pretax return on assets | -0.4505% | 6,611 |
| Return on Equity (ROE) | -9.1431% | 6,727 |
| Retained earnings to average equity (ytd only) | -9.1431% | 6,642 |
| Net charge-offs to loans | 0.5632% | 1,171 |
| Credit loss provision to net charge-offs | -28.8544% | 5,499 |
| Earnings coverage of net charge-offs (x) | -2.5542% | 4,783 |
| Efficiency ratio | 120.5568% | 179 |
| Assets per employee ($millions) | 3.3525% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1018% | 1,632 |
| Loan loss allowance to noncurrent loans | 27.9555% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 6.1668% | 435 |
| Noncurrent loans to loans | 7.5185% | 293 |
| Net loans and leases to total assets | 57.4160% | 4,076 |
| Net loans and leases to deposits | 64.4523% | 4,444 |
| Net loans and leases to core deposits | 69.1933% | 4,365 |
| Total domestic deposits to total assets | 89.0830% | 1,580 |
| Equity capital to assets | 6.7426% | 6,644 |
| Core capital (leverage) ratio | 6.9473% | 6,624 |
| Tier 1 risk-based capital ratio | 11.3120% | 6,198 |
| Total risk-based capital ratio | 12.5716% | 6,160 |
| Memoranda: | ||
| Average total assets | $2,092,162,670 | 341 |
| Average earning assets | $1,880,344,330 | 340 |
| Average equity | $148,789,670 | 499 |
| Average total loans | $1,165,425,000 | 380 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 5,627 |
| Cost of funding earning assets | 0.7001% | 2,204 |
| Net interest margin | 2.8319% | 5,969 |
| Noninterest income to average assets | 0.9772% | 1,529 |
| Noninterest expense to average assets | 4.7752% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.7037% | 6,899 |
| Return on assets (ROA) | -1.2120% | 6,858 |
| Pretax return on assets | -0.7844% | 6,753 |
| Return on Equity (ROE) | -19.4251% | 6,895 |
| Retained earnings to average equity (ytd only) | -19.4251% | 6,826 |
| Net charge-offs to loans | -0.0327% | 5,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.8984% | 126 |
| Assets per employee ($millions) | 2.8557% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7977% | 821 |
| Loan loss allowance to noncurrent loans | 33.4795% | 5,894 |
| Noncurrent assets plus other real estate owned to assets | 7.1295% | 389 |
| Noncurrent loans to loans | 8.3565% | 305 |
| Net loans and leases to total assets | 57.1316% | 3,898 |
| Net loans and leases to deposits | 64.7054% | 4,225 |
| Net loans and leases to core deposits | 71.5153% | 3,879 |
| Total domestic deposits to total assets | 88.2949% | 2,131 |
| Equity capital to assets | 6.0652% | 6,823 |
| Core capital (leverage) ratio | 6.1495% | 6,786 |
| Tier 1 risk-based capital ratio | 10.2423% | 6,650 |
| Total risk-based capital ratio | 11.5111% | 6,636 |
| Memoranda: | ||
| Average total assets | $1,446,236,500 | 469 |
| Average earning assets | $1,287,899,500 | 476 |
| Average equity | $90,234,000 | 790 |
| Average total loans | $857,095,000 | 484 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 6,348 |
| Cost of funding earning assets | 0.9617% | 1,574 |
| Net interest margin | 2.5489% | 6,680 |
| Noninterest income to average assets | -0.2149% | 6,969 |
| Noninterest expense to average assets | 4.1161% | 843 |
| Loan and lease loss provision to assets | 0.5413% | 1,064 |
| Net operating income to assets | -2.5820% | 6,984 |
| Return on assets (ROA) | -2.5258% | 6,982 |
| Pretax return on assets | -2.5834% | 6,985 |
| Return on Equity (ROE) | -37.1009% | 6,983 |
| Retained earnings to average equity (ytd only) | -37.1009% | 6,973 |
| Net charge-offs to loans | 2.7288% | 206 |
| Credit loss provision to net charge-offs | 34.7085% | 5,028 |
| Earnings coverage of net charge-offs (x) | -1.3460% | 5,788 |
| Efficiency ratio | 201.5891% | 37 |
| Assets per employee ($millions) | 3.0133% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6649% | 961 |
| Loan loss allowance to noncurrent loans | 29.6021% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 8.6335% | 303 |
| Noncurrent loans to loans | 9.0025% | 290 |
| Net loans and leases to total assets | 58.1456% | 3,956 |
| Net loans and leases to deposits | 65.9615% | 4,296 |
| Net loans and leases to core deposits | 70.8333% | 4,188 |
| Total domestic deposits to total assets | 88.1509% | 2,130 |
| Equity capital to assets | 6.4082% | 6,854 |
| Core capital (leverage) ratio | 6.1706% | 6,834 |
| Tier 1 risk-based capital ratio | 10.1284% | 6,668 |
| Total risk-based capital ratio | 11.3951% | 6,630 |
| Memoranda: | ||
| Average total assets | $1,569,611,200 | 432 |
| Average earning assets | $1,374,181,200 | 444 |
| Average equity | $106,860,000 | 667 |
| Average total loans | $897,119,600 | 458 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 6,518 |
| Cost of funding earning assets | 1.0012% | 1,550 |
| Net interest margin | 2.4921% | 6,828 |
| Noninterest income to average assets | -0.4138% | 7,117 |
| Noninterest expense to average assets | 4.0467% | 878 |
| Loan and lease loss provision to assets | 0.6044% | 910 |
| Net operating income to assets | -2.8774% | 7,108 |
| Return on assets (ROA) | -2.8019% | 7,107 |
| Pretax return on assets | -2.8126% | 7,101 |
| Return on Equity (ROE) | -40.6077% | 7,102 |
| Retained earnings to average equity (ytd only) | -40.6077% | 7,095 |
| Net charge-offs to loans | 2.8867% | 194 |
| Credit loss provision to net charge-offs | 37.0175% | 4,682 |
| Earnings coverage of net charge-offs (x) | -1.3987% | 5,612 |
| Efficiency ratio | 226.7115% | 28 |
| Assets per employee ($millions) | 3.1424% | 5,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9788% | 729 |
| Loan loss allowance to noncurrent loans | 31.2196% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 9.8920% | 249 |
| Noncurrent loans to loans | 9.5416% | 273 |
| Net loans and leases to total assets | 57.9122% | 4,150 |
| Net loans and leases to deposits | 65.8371% | 4,489 |
| Net loans and leases to core deposits | 71.1101% | 4,363 |
| Total domestic deposits to total assets | 87.9629% | 2,064 |
| Equity capital to assets | 6.6150% | 6,927 |
| Core capital (leverage) ratio | 6.4577% | 6,893 |
| Tier 1 risk-based capital ratio | 10.5186% | 6,661 |
| Total risk-based capital ratio | 11.7897% | 6,636 |
| Memoranda: | ||
| Average total assets | $1,595,139,250 | 427 |
| Average earning assets | $1,393,322,000 | 436 |
| Average equity | $110,065,000 | 645 |
| Average total loans | $902,237,500 | 455 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3850% | 6,739 |
| Cost of funding earning assets | 1.0417% | 1,513 |
| Net interest margin | 2.3432% | 6,989 |
| Noninterest income to average assets | -0.8286% | 7,213 |
| Noninterest expense to average assets | 3.9844% | 959 |
| Loan and lease loss provision to assets | 0.9253% | 496 |
| Net operating income to assets | -3.6887% | 7,183 |
| Return on assets (ROA) | -3.6047% | 7,182 |
| Pretax return on assets | -3.6110% | 7,177 |
| Return on Equity (ROE) | -51.5751% | 7,170 |
| Retained earnings to average equity (ytd only) | -51.5751% | 7,165 |
| Net charge-offs to loans | 2.6876% | 244 |
| Credit loss provision to net charge-offs | 61.9390% | 3,747 |
| Earnings coverage of net charge-offs (x) | -1.8541% | 5,374 |
| Efficiency ratio | 323.9886% | 19 |
| Assets per employee ($millions) | 3.2592% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6346% | 450 |
| Loan loss allowance to noncurrent loans | 36.5964% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 10.7423% | 227 |
| Noncurrent loans to loans | 9.9315% | 273 |
| Net loans and leases to total assets | 58.7560% | 4,029 |
| Net loans and leases to deposits | 66.8143% | 4,394 |
| Net loans and leases to core deposits | 74.2253% | 3,998 |
| Total domestic deposits to total assets | 87.9393% | 2,184 |
| Equity capital to assets | 6.5646% | 6,971 |
| Core capital (leverage) ratio | 6.4665% | 6,939 |
| Tier 1 risk-based capital ratio | 10.4460% | 6,716 |
| Total risk-based capital ratio | 11.7253% | 6,688 |
| Memoranda: | ||
| Average total assets | $1,619,882,330 | 420 |
| Average earning assets | $1,412,487,330 | 432 |
| Average equity | $113,217,330 | 634 |
| Average total loans | $900,371,330 | 460 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2560% | 6,920 |
| Cost of funding earning assets | 1.0765% | 1,514 |
| Net interest margin | 2.1795% | 7,101 |
| Noninterest income to average assets | -0.2323% | 7,207 |
| Noninterest expense to average assets | 3.8778% | 1,092 |
| Loan and lease loss provision to assets | 0.7453% | 682 |
| Net operating income to assets | -2.9405% | 7,219 |
| Return on assets (ROA) | -2.9405% | 7,220 |
| Pretax return on assets | -2.9592% | 7,208 |
| Return on Equity (ROE) | -40.8889% | 7,204 |
| Retained earnings to average equity (ytd only) | -40.8889% | 7,189 |
| Net charge-offs to loans | 1.2298% | 829 |
| Credit loss provision to net charge-offs | 114.3123% | 2,066 |
| Earnings coverage of net charge-offs (x) | -3.3955% | 4,648 |
| Efficiency ratio | 230.1446% | 29 |
| Assets per employee ($millions) | 3.5308% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4300% | 260 |
| Loan loss allowance to noncurrent loans | 37.6652% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 11.8264% | 213 |
| Noncurrent loans to loans | 11.7615% | 217 |
| Net loans and leases to total assets | 52.3179% | 4,977 |
| Net loans and leases to deposits | 59.4525% | 5,221 |
| Net loans and leases to core deposits | 66.4781% | 4,859 |
| Total domestic deposits to total assets | 87.9994% | 2,323 |
| Equity capital to assets | 6.8810% | 6,957 |
| Core capital (leverage) ratio | 6.8584% | 6,891 |
| Tier 1 risk-based capital ratio | 11.7837% | 6,100 |
| Total risk-based capital ratio | 13.0704% | 6,056 |
| Memoranda: | ||
| Average total assets | $1,645,981,000 | 411 |
| Average earning assets | $1,432,047,000 | 423 |
| Average equity | $118,369,500 | 607 |
| Average total loans | $872,632,000 | 469 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 6,877 |
| Cost of funding earning assets | 1.4265% | 933 |
| Net interest margin | 2.2450% | 7,161 |
| Noninterest income to average assets | -1.7083% | 7,345 |
| Noninterest expense to average assets | 4.5765% | 543 |
| Loan and lease loss provision to assets | 3.8557% | 61 |
| Net operating income to assets | -8.1563% | 7,345 |
| Return on assets (ROA) | -7.7380% | 7,345 |
| Pretax return on assets | -7.7557% | 7,346 |
| Return on Equity (ROE) | -13,204.5321% | 7,357 |
| Retained earnings to average equity (ytd only) | -13,278.3747% | 7,357 |
| Net charge-offs to loans | 11.4045% | 3 |
| Credit loss provision to net charge-offs | 55.3495% | 5,291 |
| Earnings coverage of net charge-offs (x) | -0.6199% | 6,120 |
| Efficiency ratio | 1,750.1773% | 3 |
| Assets per employee ($millions) | 3.7161% | 4,520 |
| Cash dividends to net income (ytd only)* | -0.5592% | 7,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6376% | 232 |
| Loan loss allowance to noncurrent loans | 37.0340% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 12.0410% | 208 |
| Noncurrent loans to loans | 12.5225% | 195 |
| Net loans and leases to total assets | 48.9257% | 5,722 |
| Net loans and leases to deposits | 56.0528% | 5,889 |
| Net loans and leases to core deposits | 62.6930% | 5,577 |
| Total domestic deposits to total assets | 87.2850% | 2,585 |
| Equity capital to assets | 7.4990% | 6,812 |
| Core capital (leverage) ratio | 7.3941% | 6,703 |
| Tier 1 risk-based capital ratio | 13.2308% | 4,888 |
| Total risk-based capital ratio | 14.5176% | 4,842 |
| Memoranda: | ||
| Average total assets | $1,747,066,000 | 382 |
| Average earning assets | $1,530,402,400 | 388 |
| Average equity | $1,023,800 | 7,329 |
| Average total loans | $1,067,153,400 | 397 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 6,862 |
| Cost of funding earning assets | 1.4660% | 970 |
| Net interest margin | 2.3172% | 7,216 |
| Noninterest income to average assets | -1.2007% | 7,411 |
| Noninterest expense to average assets | 4.5478% | 557 |
| Loan and lease loss provision to assets | 4.5897% | 40 |
| Net operating income to assets | -8.2909% | 7,419 |
| Return on assets (ROA) | -7.7405% | 7,419 |
| Pretax return on assets | -7.7544% | 7,420 |
| Return on Equity (ROE) | 461.0623% | 2 |
| Retained earnings to average equity (ytd only) | 461.0623% | 1 |
| Net charge-offs to loans | 13.1341% | 6 |
| Credit loss provision to net charge-offs | 55.1480% | 4,921 |
| Earnings coverage of net charge-offs (x) | -0.4464% | 5,813 |
| Efficiency ratio | 540.4631% | 8 |
| Assets per employee ($millions) | 3.7332% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8126% | 213 |
| Loan loss allowance to noncurrent loans | 30.3558% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 14.7322% | 138 |
| Noncurrent loans to loans | 15.8539% | 119 |
| Net loans and leases to total assets | 53.2471% | 5,284 |
| Net loans and leases to deposits | 55.7384% | 6,055 |
| Net loans and leases to core deposits | 65.1976% | 5,502 |
| Total domestic deposits to total assets | 95.5303% | 41 |
| Equity capital to assets | -4.4019% | 7,437 |
| Core capital (leverage) ratio | -5.0873% | 7,437 |
| Tier 1 risk-based capital ratio | -8.0612% | 7,437 |
| Total risk-based capital ratio | -8.0612% | 7,437 |
| Memoranda: | ||
| Average total assets | $1,770,412,500 | 378 |
| Average earning assets | $1,553,529,500 | 389 |
| Average equity | $-29,722,500 | 7,437 |
| Average total loans | $1,121,836,750 | 383 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 6,880 |
| Cost of funding earning assets | 1.4661% | 1,135 |
| Net interest margin | 2.3731% | 7,247 |
| Noninterest income to average assets | -1.8554% | 7,497 |
| Noninterest expense to average assets | 4.5576% | 558 |
| Loan and lease loss provision to assets | 5.9267% | 32 |
| Net operating income to assets | -10.0798% | 7,503 |
| Return on assets (ROA) | -10.0707% | 7,503 |
| Pretax return on assets | -10.2374% | 7,504 |
| Return on Equity (ROE) | 1,172.5077% | 1 |
| Retained earnings to average equity (ytd only) | 1,172.5077% | 1 |
| Net charge-offs to loans | 14.8015% | 7 |
| Credit loss provision to net charge-offs | 61.0367% | 4,314 |
| Earnings coverage of net charge-offs (x) | -0.4449% | 5,510 |
| Efficiency ratio | 1,898.1447% | 3 |
| Assets per employee ($millions) | 3.9167% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7735% | 112 |
| Loan loss allowance to noncurrent loans | 28.5571% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 17.9868% | 88 |
| Noncurrent loans to loans | 20.2173% | 60 |
| Net loans and leases to total assets | 56.3499% | 4,932 |
| Net loans and leases to deposits | 60.3697% | 5,691 |
| Net loans and leases to core deposits | 71.8685% | 4,837 |
| Total domestic deposits to total assets | 93.3413% | 114 |
| Equity capital to assets | -3.3982% | 7,513 |
| Core capital (leverage) ratio | -4.1428% | 7,513 |
| Tier 1 risk-based capital ratio | -6.1499% | 7,513 |
| Total risk-based capital ratio | -6.1499% | 7,513 |
| Memoranda: | ||
| Average total assets | $1,814,253,000 | 376 |
| Average earning assets | $1,600,213,330 | 376 |
| Average equity | $-15,582,670 | 7,513 |
| Average total loans | $1,190,188,000 | 364 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7451% | 7,017 |
| Cost of funding earning assets | 1.4483% | 1,394 |
| Net interest margin | 2.2968% | 7,315 |
| Noninterest income to average assets | -2.3648% | 7,563 |
| Noninterest expense to average assets | 4.6997% | 482 |
| Loan and lease loss provision to assets | 4.3364% | 91 |
| Net operating income to assets | -9.3291% | 7,549 |
| Return on assets (ROA) | -9.3263% | 7,549 |
| Pretax return on assets | -9.3538% | 7,545 |
| Return on Equity (ROE) | -2,972.2503% | 7,572 |
| Retained earnings to average equity (ytd only) | -2,972.2503% | 7,572 |
| Net charge-offs to loans | 14.2048% | 17 |
| Credit loss provision to net charge-offs | 44.7088% | 3,857 |
| Earnings coverage of net charge-offs (x) | -0.5176% | 4,798 |
| Efficiency ratio | -1,452.0107% | 7,572 |
| Assets per employee ($millions) | 3.7080% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7214% | 120 |
| Loan loss allowance to noncurrent loans | 23.4899% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 19.7319% | 66 |
| Noncurrent loans to loans | 24.3570% | 39 |
| Net loans and leases to total assets | 62.0775% | 3,842 |
| Net loans and leases to deposits | 68.1425% | 4,665 |
| Net loans and leases to core deposits | 82.9076% | 3,324 |
| Total domestic deposits to total assets | 91.0995% | 580 |
| Equity capital to assets | -0.7368% | 7,571 |
| Core capital (leverage) ratio | -1.4118% | 7,572 |
| Tier 1 risk-based capital ratio | -2.0238% | 7,572 |
| Total risk-based capital ratio | -2.0238% | 7,572 |
| Memoranda: | ||
| Average total assets | $1,861,656,000 | 373 |
| Average earning assets | $1,656,882,000 | 374 |
| Average equity | $5,841,500 | 6,296 |
| Average total loans | $1,271,145,500 | 350 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5937% | 6,132 |
| Cost of funding earning assets | 1.6145% | 1,983 |
| Net interest margin | 2.9791% | 6,772 |
| Noninterest income to average assets | 1.0101% | 1,473 |
| Noninterest expense to average assets | 4.0118% | 1,143 |
| Loan and lease loss provision to assets | 6.6030% | 33 |
| Net operating income to assets | -6.9953% | 7,603 |
| Return on assets (ROA) | -6.4658% | 7,594 |
| Pretax return on assets | -6.4031% | 7,596 |
| Return on Equity (ROE) | -125.6493% | 7,620 |
| Retained earnings to average equity (ytd only) | -125.6493% | 7,620 |
| Net charge-offs to loans | 5.8498% | 106 |
| Credit loss provision to net charge-offs | 149.9565% | 2,417 |
| Earnings coverage of net charge-offs (x) | -0.0749% | 6,198 |
| Efficiency ratio | 107.8225% | 581 |
| Assets per employee ($millions) | 3.7828% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9861% | 59 |
| Loan loss allowance to noncurrent loans | 28.3998% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 20.6488% | 63 |
| Noncurrent loans to loans | 24.5990% | 46 |
| Net loans and leases to total assets | 65.6867% | 3,526 |
| Net loans and leases to deposits | 73.5228% | 4,274 |
| Net loans and leases to core deposits | 89.8500% | 2,793 |
| Total domestic deposits to total assets | 89.3419% | 1,473 |
| Equity capital to assets | 1.3230% | 7,627 |
| Core capital (leverage) ratio | 0.8565% | 7,635 |
| Tier 1 risk-based capital ratio | 1.1801% | 7,636 |
| Total risk-based capital ratio | 2.3602% | 7,636 |
| Memoranda: | ||
| Average total assets | $2,010,511,800 | 346 |
| Average earning assets | $1,803,237,200 | 346 |
| Average equity | $103,458,600 | 655 |
| Average total loans | $1,513,379,800 | 311 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7248% | 5,931 |
| Cost of funding earning assets | 1.6357% | 2,179 |
| Net interest margin | 3.0891% | 6,636 |
| Noninterest income to average assets | 1.0630% | 1,271 |
| Noninterest expense to average assets | 3.3993% | 2,296 |
| Loan and lease loss provision to assets | 6.0707% | 47 |
| Net operating income to assets | -5.5100% | 7,677 |
| Return on assets (ROA) | -5.3929% | 7,678 |
| Pretax return on assets | -5.5128% | 7,674 |
| Return on Equity (ROE) | -89.3427% | 7,676 |
| Retained earnings to average equity (ytd only) | -89.3427% | 7,676 |
| Net charge-offs to loans | 6.5281% | 80 |
| Credit loss provision to net charge-offs | 121.7880% | 3,376 |
| Earnings coverage of net charge-offs (x) | 0.0880% | 5,940 |
| Efficiency ratio | 87.5053% | 1,493 |
| Assets per employee ($millions) | 3.9342% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5259% | 244 |
| Loan loss allowance to noncurrent loans | 22.6301% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 16.9805% | 105 |
| Noncurrent loans to loans | 19.9993% | 74 |
| Net loans and leases to total assets | 69.4588% | 2,866 |
| Net loans and leases to deposits | 78.6890% | 3,690 |
| Net loans and leases to core deposits | 106.5484% | 1,282 |
| Total domestic deposits to total assets | 88.2700% | 1,818 |
| Equity capital to assets | 3.5212% | 7,663 |
| Core capital (leverage) ratio | 2.8962% | 7,685 |
| Tier 1 risk-based capital ratio | 3.8395% | 7,690 |
| Total risk-based capital ratio | 5.9046% | 7,662 |
| Memoranda: | ||
| Average total assets | $2,038,398,750 | 340 |
| Average earning assets | $1,830,986,250 | 336 |
| Average equity | $123,042,250 | 546 |
| Average total loans | $1,556,461,250 | 301 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9458% | 5,197 |
| Cost of funding earning assets | 1.6357% | 2,451 |
| Net interest margin | 3.3100% | 5,982 |
| Noninterest income to average assets | 0.9810% | 1,436 |
| Noninterest expense to average assets | 3.4062% | 2,249 |
| Loan and lease loss provision to assets | 3.6034% | 238 |
| Net operating income to assets | -2.8601% | 7,487 |
| Return on assets (ROA) | -2.7227% | 7,475 |
| Pretax return on assets | -2.9096% | 7,450 |
| Return on Equity (ROE) | -39.7065% | 7,528 |
| Retained earnings to average equity (ytd only) | -39.7065% | 7,521 |
| Net charge-offs to loans | 2.0923% | 863 |
| Credit loss provision to net charge-offs | 222.1300% | 1,756 |
| Earnings coverage of net charge-offs (x) | 0.3376% | 5,386 |
| Efficiency ratio | 85.1141% | 1,807 |
| Assets per employee ($millions) | 3.9599% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4904% | 256 |
| Loan loss allowance to noncurrent loans | 30.2753% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 13.4892% | 199 |
| Noncurrent loans to loans | 14.8320% | 176 |
| Net loans and leases to total assets | 73.4700% | 2,042 |
| Net loans and leases to deposits | 85.9557% | 2,511 |
| Net loans and leases to core deposits | 106.6387% | 1,395 |
| Total domestic deposits to total assets | 85.4742% | 3,380 |
| Equity capital to assets | 6.2069% | 7,512 |
| Core capital (leverage) ratio | 5.5733% | 7,543 |
| Tier 1 risk-based capital ratio | 6.8562% | 7,614 |
| Total risk-based capital ratio | 9.0483% | 7,547 |
| Memoranda: | ||
| Average total assets | $2,049,049,000 | 338 |
| Average earning assets | $1,840,278,330 | 336 |
| Average equity | $140,506,000 | 481 |
| Average total loans | $1,588,708,330 | 297 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 4,375 |
| Cost of funding earning assets | 1.6599% | 2,599 |
| Net interest margin | 3.4734% | 5,272 |
| Noninterest income to average assets | 0.9592% | 1,421 |
| Noninterest expense to average assets | 2.8588% | 4,233 |
| Loan and lease loss provision to assets | 1.8393% | 612 |
| Net operating income to assets | -0.7675% | 6,994 |
| Return on assets (ROA) | -0.6379% | 6,953 |
| Pretax return on assets | -0.4944% | 6,776 |
| Return on Equity (ROE) | -8.8896% | 7,091 |
| Retained earnings to average equity (ytd only) | -8.8896% | 6,885 |
| Net charge-offs to loans | 0.7610% | 1,989 |
| Credit loss provision to net charge-offs | 310.5366% | 1,270 |
| Earnings coverage of net charge-offs (x) | 2.0517% | 3,516 |
| Efficiency ratio | 69.1770% | 4,476 |
| Assets per employee ($millions) | 3.8668% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5124% | 542 |
| Loan loss allowance to noncurrent loans | 27.8582% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 11.9208% | 265 |
| Noncurrent loans to loans | 12.6081% | 263 |
| Net loans and leases to total assets | 75.6369% | 1,614 |
| Net loans and leases to deposits | 91.0593% | 1,750 |
| Net loans and leases to core deposits | 107.7444% | 1,435 |
| Total domestic deposits to total assets | 83.0633% | 4,590 |
| Equity capital to assets | 7.2287% | 7,266 |
| Core capital (leverage) ratio | 6.6608% | 7,407 |
| Tier 1 risk-based capital ratio | 8.1968% | 7,596 |
| Total risk-based capital ratio | 10.3644% | 7,463 |
| Memoranda: | ||
| Average total assets | $2,063,797,500 | 345 |
| Average earning assets | $1,850,728,500 | 344 |
| Average equity | $148,083,500 | 462 |
| Average total loans | $1,606,300,500 | 304 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 4,906 |
| Cost of funding earning assets | 2.0376% | 2,786 |
| Net interest margin | 3.3204% | 5,667 |
| Noninterest income to average assets | 1.1993% | 1,073 |
| Noninterest expense to average assets | 5.5896% | 372 |
| Loan and lease loss provision to assets | 2.8878% | 627 |
| Net operating income to assets | -4.5092% | 7,680 |
| Return on assets (ROA) | -4.6930% | 7,700 |
| Pretax return on assets | -4.4715% | 7,637 |
| Return on Equity (ROE) | -50.6964% | 7,688 |
| Retained earnings to average equity (ytd only) | -51.3027% | 7,685 |
| Net charge-offs to loans | 2.8795% | 757 |
| Credit loss provision to net charge-offs | 131.3666% | 3,855 |
| Earnings coverage of net charge-offs (x) | -0.6368% | 6,770 |
| Efficiency ratio | 73.9852% | 3,899 |
| Assets per employee ($millions) | 3.9354% | 3,944 |
| Cash dividends to net income (ytd only)* | -1.1960% | 7,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0508% | 742 |
| Loan loss allowance to noncurrent loans | 28.3584% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 9.9919% | 372 |
| Noncurrent loans to loans | 10.7581% | 356 |
| Net loans and leases to total assets | 74.9342% | 2,049 |
| Net loans and leases to deposits | 91.0525% | 2,036 |
| Net loans and leases to core deposits | 128.5350% | 1,361 |
| Total domestic deposits to total assets | 82.2978% | 4,815 |
| Equity capital to assets | 7.1236% | 7,312 |
| Core capital (leverage) ratio | 6.6039% | 7,445 |
| Tier 1 risk-based capital ratio | 7.9625% | 7,657 |
| Total risk-based capital ratio | 10.0816% | 7,554 |
| Memoranda: | ||
| Average total assets | $2,137,992,600 | 331 |
| Average earning assets | $1,925,574,200 | 331 |
| Average equity | $197,915,600 | 352 |
| Average total loans | $1,632,183,000 | 314 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3743% | 5,069 |
| Cost of funding earning assets | 2.1210% | 2,798 |
| Net interest margin | 3.2533% | 5,818 |
| Noninterest income to average assets | 1.2679% | 959 |
| Noninterest expense to average assets | 6.4041% | 261 |
| Loan and lease loss provision to assets | 2.3018% | 739 |
| Net operating income to assets | -4.2503% | 7,772 |
| Return on assets (ROA) | -4.5051% | 7,798 |
| Pretax return on assets | -4.7821% | 7,786 |
| Return on Equity (ROE) | -46.0747% | 7,802 |
| Retained earnings to average equity (ytd only) | -46.8364% | 7,804 |
| Net charge-offs to loans | 2.4021% | 768 |
| Credit loss provision to net charge-offs | 125.9005% | 3,996 |
| Earnings coverage of net charge-offs (x) | -1.2084% | 6,659 |
| Efficiency ratio | 74.2110% | 3,835 |
| Assets per employee ($millions) | 4.1319% | 3,506 |
| Cash dividends to net income (ytd only)* | -1.6533% | 7,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5996% | 967 |
| Loan loss allowance to noncurrent loans | 27.5178% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 8.1008% | 522 |
| Noncurrent loans to loans | 9.4470% | 445 |
| Net loans and leases to total assets | 72.0470% | 3,029 |
| Net loans and leases to deposits | 91.5000% | 2,318 |
| Net loans and leases to core deposits | 128.9527% | 1,504 |
| Total domestic deposits to total assets | 78.7399% | 5,883 |
| Equity capital to assets | 7.7776% | 7,058 |
| Core capital (leverage) ratio | 7.2626% | 7,215 |
| Tier 1 risk-based capital ratio | 8.7737% | 7,689 |
| Total risk-based capital ratio | 10.8579% | 7,263 |
| Memoranda: | ||
| Average total assets | $2,148,104,500 | 339 |
| Average earning assets | $1,932,532,750 | 340 |
| Average equity | $210,039,250 | 354 |
| Average total loans | $1,634,918,750 | 327 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3883% | 5,215 |
| Cost of funding earning assets | 2.2093% | 2,752 |
| Net interest margin | 3.1789% | 5,985 |
| Noninterest income to average assets | 1.1372% | 1,217 |
| Noninterest expense to average assets | 2.9761% | 4,177 |
| Loan and lease loss provision to assets | 1.8388% | 895 |
| Net operating income to assets | -0.4464% | 6,492 |
| Return on assets (ROA) | -0.5066% | 6,566 |
| Pretax return on assets | -0.9246% | 6,765 |
| Return on Equity (ROE) | -4.8395% | 6,587 |
| Retained earnings to average equity (ytd only) | -5.9160% | 6,436 |
| Net charge-offs to loans | 2.1332% | 864 |
| Credit loss provision to net charge-offs | 112.1714% | 4,126 |
| Earnings coverage of net charge-offs (x) | 0.6151% | 5,096 |
| Efficiency ratio | 73.7057% | 4,077 |
| Assets per employee ($millions) | 4.1370% | 3,421 |
| Cash dividends to net income (ytd only)* | -22.2428% | 7,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2238% | 1,201 |
| Loan loss allowance to noncurrent loans | 27.3524% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 6.5991% | 681 |
| Noncurrent loans to loans | 8.1303% | 541 |
| Net loans and leases to total assets | 73.7425% | 2,774 |
| Net loans and leases to deposits | 98.0095% | 1,514 |
| Net loans and leases to core deposits | 134.4989% | 1,290 |
| Total domestic deposits to total assets | 75.2401% | 6,712 |
| Equity capital to assets | 10.6724% | 3,233 |
| Core capital (leverage) ratio | 8.3028% | 5,794 |
| Tier 1 risk-based capital ratio | 9.4168% | 7,463 |
| Total risk-based capital ratio | 11.4823% | 6,603 |
| Memoranda: | ||
| Average total assets | $2,130,035,000 | 351 |
| Average earning assets | $1,907,816,000 | 351 |
| Average equity | $222,956,330 | 332 |
| Average total loans | $1,636,875,000 | 335 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4096% | 5,375 |
| Cost of funding earning assets | 2.2904% | 2,743 |
| Net interest margin | 3.1192% | 6,141 |
| Noninterest income to average assets | 1.1208% | 1,180 |
| Noninterest expense to average assets | 2.9969% | 3,781 |
| Loan and lease loss provision to assets | 2.6821% | 416 |
| Net operating income to assets | -1.0241% | 7,266 |
| Return on assets (ROA) | -1.0249% | 7,281 |
| Pretax return on assets | -1.7714% | 7,461 |
| Return on Equity (ROE) | -9.8926% | 7,359 |
| Retained earnings to average equity (ytd only) | -9.8926% | 7,101 |
| Net charge-offs to loans | 2.5090% | 555 |
| Credit loss provision to net charge-offs | 137.7658% | 2,946 |
| Earnings coverage of net charge-offs (x) | 0.4684% | 4,617 |
| Efficiency ratio | 75.6503% | 3,544 |
| Assets per employee ($millions) | 4.1612% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3628% | 888 |
| Loan loss allowance to noncurrent loans | 32.8144% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 5.8873% | 694 |
| Noncurrent loans to loans | 7.2005% | 545 |
| Net loans and leases to total assets | 74.0914% | 2,729 |
| Net loans and leases to deposits | 98.3880% | 1,613 |
| Net loans and leases to core deposits | 134.9681% | 1,360 |
| Total domestic deposits to total assets | 75.3053% | 6,642 |
| Equity capital to assets | 10.8956% | 3,079 |
| Core capital (leverage) ratio | 8.5589% | 5,414 |
| Tier 1 risk-based capital ratio | 9.6990% | 7,256 |
| Total risk-based capital ratio | 11.7889% | 6,267 |
| Memoranda: | ||
| Average total assets | $2,096,686,000 | 359 |
| Average earning assets | $1,874,062,000 | 361 |
| Average equity | $217,212,000 | 348 |
| Average total loans | $1,626,927,500 | 337 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5105% | 2,908 |
| Cost of funding earning assets | 2.9182% | 2,184 |
| Net interest margin | 3.5923% | 4,922 |
| Noninterest income to average assets | 1.1000% | 1,298 |
| Noninterest expense to average assets | 5.8380% | 431 |
| Loan and lease loss provision to assets | 1.3740% | 1,012 |
| Net operating income to assets | -2.8942% | 7,802 |
| Return on assets (ROA) | -2.8632% | 7,761 |
| Pretax return on assets | -2.9656% | 7,700 |
| Return on Equity (ROE) | -22.7683% | 7,819 |
| Retained earnings to average equity (ytd only) | -26.5175% | 7,841 |
| Net charge-offs to loans | 0.6617% | 1,872 |
| Credit loss provision to net charge-offs | 267.3505% | 1,727 |
| Earnings coverage of net charge-offs (x) | -3.1590% | 6,772 |
| Efficiency ratio | 69.6710% | 4,414 |
| Assets per employee ($millions) | 3.9120% | 3,702 |
| Cash dividends to net income (ytd only)* | -16.4667% | 7,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1414% | 1,012 |
| Loan loss allowance to noncurrent loans | 36.1573% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 5.0211% | 689 |
| Noncurrent loans to loans | 5.9226% | 616 |
| Net loans and leases to total assets | 77.6973% | 2,219 |
| Net loans and leases to deposits | 104.4883% | 1,292 |
| Net loans and leases to core deposits | 143.4593% | 1,116 |
| Total domestic deposits to total assets | 74.3598% | 6,587 |
| Equity capital to assets | 9.7953% | 4,293 |
| Core capital (leverage) ratio | 7.1518% | 7,567 |
| Tier 1 risk-based capital ratio | 8.1202% | 8,062 |
| Total risk-based capital ratio | 10.2213% | 7,802 |
| Memoranda: | ||
| Average total assets | $2,020,278,600 | 358 |
| Average earning assets | $1,751,545,800 | 371 |
| Average equity | $254,055,000 | 304 |
| Average total loans | $1,569,090,800 | 338 |