Home > National Bank of Arizona > Performance and Condition Ratios
National Bank of Arizona, Performance and Condition Ratios
| 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 | 3.6349% | 4,630 |
| Cost of funding earning assets | 0.0952% | 6,074 |
| Net interest margin | 3.5396% | 3,387 |
| Noninterest income to average assets | 0.7268% | 2,124 |
| Noninterest expense to average assets | 2.9768% | 2,595 |
| Loan and lease loss provision to assets | 0.0267% | 3,732 |
| Net operating income to assets | 0.7697% | 3,581 |
| Return on assets (ROA) | 0.7697% | 3,672 |
| Pretax return on assets | 1.0410% | 3,453 |
| Return on Equity (ROE) | 6.5434% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.5434% | 1,932 |
| Net charge-offs to loans | 0.0922% | 2,242 |
| Credit loss provision to net charge-offs | 37.5334% | 3,194 |
| Earnings coverage of net charge-offs (x) | 15.0290% | 2,210 |
| Efficiency ratio | 72.8696% | 2,741 |
| Assets per employee ($millions) | 6.4925% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 4,684 |
| Loan loss allowance to noncurrent loans | 118.9361% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6670% | 3,255 |
| Noncurrent loans to loans | 0.8506% | 2,847 |
| Net loans and leases to total assets | 75.1511% | 1,516 |
| Net loans and leases to deposits | 86.6540% | 2,076 |
| Net loans and leases to core deposits | 87.6020% | 2,696 |
| Total domestic deposits to total assets | 86.7254% | 2,171 |
| Equity capital to assets | 11.8539% | 2,212 |
| Core capital (leverage) ratio | 11.8525% | 1,777 |
| Tier 1 risk-based capital ratio | 13.8156% | 3,960 |
| Total risk-based capital ratio | 15.0661% | 3,899 |
| Memoranda: | ||
| Average total assets | $4,915,475,000 | 195 |
| Average earning assets | $4,607,134,750 | 187 |
| Average equity | $578,221,250 | 192 |
| Average total loans | $3,788,310,250 | 185 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 4,562 |
| Cost of funding earning assets | 0.0941% | 6,153 |
| Net interest margin | 3.5597% | 3,249 |
| Noninterest income to average assets | 0.7200% | 2,133 |
| Noninterest expense to average assets | 3.0277% | 2,473 |
| Loan and lease loss provision to assets | 0.1411% | 1,547 |
| Net operating income to assets | 0.5778% | 4,434 |
| Return on assets (ROA) | 0.5778% | 4,538 |
| Pretax return on assets | 0.8824% | 4,021 |
| Return on Equity (ROE) | 4.9251% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.9251% | 2,901 |
| Net charge-offs to loans | 0.1550% | 1,553 |
| Credit loss provision to net charge-offs | 117.4684% | 1,838 |
| Earnings coverage of net charge-offs (x) | 8.5223% | 2,554 |
| Efficiency ratio | 73.9911% | 2,678 |
| Assets per employee ($millions) | 6.4283% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 4,491 |
| Loan loss allowance to noncurrent loans | 116.2885% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7299% | 3,191 |
| Noncurrent loans to loans | 0.9198% | 2,830 |
| Net loans and leases to total assets | 75.6500% | 1,415 |
| Net loans and leases to deposits | 86.9086% | 1,948 |
| Net loans and leases to core deposits | 87.9041% | 2,563 |
| Total domestic deposits to total assets | 87.0455% | 2,142 |
| Equity capital to assets | 11.6546% | 2,286 |
| Core capital (leverage) ratio | 11.7382% | 1,816 |
| Tier 1 risk-based capital ratio | 13.6640% | 4,121 |
| Total risk-based capital ratio | 14.9154% | 4,056 |
| Memoranda: | ||
| Average total assets | $4,881,058,670 | 198 |
| Average earning assets | $4,567,587,330 | 190 |
| Average equity | $572,656,330 | 195 |
| Average total loans | $3,781,023,330 | 185 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6020% | 4,685 |
| Cost of funding earning assets | 0.0942% | 6,228 |
| Net interest margin | 3.5078% | 3,408 |
| Noninterest income to average assets | 0.6760% | 2,273 |
| Noninterest expense to average assets | 3.0720% | 2,358 |
| Loan and lease loss provision to assets | 0.0621% | 2,688 |
| Net operating income to assets | 0.5392% | 4,514 |
| Return on assets (ROA) | 0.5392% | 4,631 |
| Pretax return on assets | 0.8218% | 4,164 |
| Return on Equity (ROE) | 4.5803% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.5803% | 3,278 |
| Net charge-offs to loans | -0.0122% | 4,811 |
| Credit loss provision to net charge-offs | -652.1739% | 4,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8643% | 2,362 |
| Assets per employee ($millions) | 6.2300% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 4,594 |
| Loan loss allowance to noncurrent loans | 119.1599% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 3,284 |
| Noncurrent loans to loans | 0.9105% | 2,966 |
| Net loans and leases to total assets | 76.4234% | 1,152 |
| Net loans and leases to deposits | 88.0859% | 1,602 |
| Net loans and leases to core deposits | 89.1282% | 2,215 |
| Total domestic deposits to total assets | 86.7601% | 2,520 |
| Equity capital to assets | 11.6932% | 2,300 |
| Core capital (leverage) ratio | 11.8528% | 1,736 |
| Tier 1 risk-based capital ratio | 14.0040% | 4,012 |
| Total risk-based capital ratio | 15.2558% | 3,933 |
| Memoranda: | ||
| Average total assets | $4,833,835,000 | 198 |
| Average earning assets | $4,519,759,500 | 193 |
| Average equity | $569,048,000 | 192 |
| Average total loans | $3,769,204,000 | 184 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 4,296 |
| Cost of funding earning assets | 0.1040% | 6,313 |
| Net interest margin | 3.7512% | 2,806 |
| Noninterest income to average assets | 0.6761% | 2,426 |
| Noninterest expense to average assets | 3.0447% | 2,710 |
| Loan and lease loss provision to assets | -0.4565% | 6,437 |
| Net operating income to assets | 0.9866% | 2,446 |
| Return on assets (ROA) | 0.9866% | 2,526 |
| Pretax return on assets | 1.5803% | 1,294 |
| Return on Equity (ROE) | 8.3911% | 2,916 |
| Retained earnings to average equity (ytd only) | 8.3911% | 874 |
| Net charge-offs to loans | 0.0117% | 4,669 |
| Credit loss provision to net charge-offs | -4,941.8391% | 6,056 |
| Earnings coverage of net charge-offs (x) | 121.6437% | 433 |
| Efficiency ratio | 72.1600% | 3,175 |
| Assets per employee ($millions) | 6.0011% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 4,691 |
| Loan loss allowance to noncurrent loans | 152.6440% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 3,775 |
| Noncurrent loans to loans | 0.7010% | 3,579 |
| Net loans and leases to total assets | 77.8658% | 1,017 |
| Net loans and leases to deposits | 89.8851% | 1,529 |
| Net loans and leases to core deposits | 90.9646% | 2,190 |
| Total domestic deposits to total assets | 86.6282% | 2,492 |
| Equity capital to assets | 11.8532% | 2,129 |
| Core capital (leverage) ratio | 11.8395% | 1,741 |
| Tier 1 risk-based capital ratio | 13.9660% | 4,115 |
| Total risk-based capital ratio | 15.2175% | 4,045 |
| Memoranda: | ||
| Average total assets | $4,708,581,400 | 194 |
| Average earning assets | $4,383,687,800 | 185 |
| Average equity | $553,635,600 | 188 |
| Average total loans | $3,703,457,600 | 175 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 4,360 |
| Cost of funding earning assets | 0.1055% | 6,392 |
| Net interest margin | 3.7476% | 2,830 |
| Noninterest income to average assets | 0.6483% | 2,583 |
| Noninterest expense to average assets | 3.0654% | 2,578 |
| Loan and lease loss provision to assets | -0.4403% | 6,520 |
| Net operating income to assets | 0.9509% | 2,681 |
| Return on assets (ROA) | 0.9509% | 2,764 |
| Pretax return on assets | 1.5095% | 1,618 |
| Return on Equity (ROE) | 8.1039% | 3,152 |
| Retained earnings to average equity (ytd only) | 8.1039% | 1,309 |
| Net charge-offs to loans | 0.0390% | 3,719 |
| Credit loss provision to net charge-offs | -1,434.9074% | 5,925 |
| Earnings coverage of net charge-offs (x) | 34.8464% | 1,241 |
| Efficiency ratio | 73.2440% | 2,950 |
| Assets per employee ($millions) | 5.8082% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 4,095 |
| Loan loss allowance to noncurrent loans | 153.4679% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 3,670 |
| Noncurrent loans to loans | 0.7994% | 3,586 |
| Net loans and leases to total assets | 77.7356% | 987 |
| Net loans and leases to deposits | 89.6407% | 1,461 |
| Net loans and leases to core deposits | 90.7107% | 2,155 |
| Total domestic deposits to total assets | 86.7190% | 2,466 |
| Equity capital to assets | 11.8497% | 2,193 |
| Core capital (leverage) ratio | 11.7790% | 1,847 |
| Tier 1 risk-based capital ratio | 13.9454% | 4,254 |
| Total risk-based capital ratio | 15.1988% | 4,197 |
| Memoranda: | ||
| Average total assets | $4,693,009,250 | 193 |
| Average earning assets | $4,365,775,500 | 185 |
| Average equity | $550,668,750 | 191 |
| Average total loans | $3,690,557,000 | 173 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 4,285 |
| Cost of funding earning assets | 0.1072% | 6,460 |
| Net interest margin | 3.7576% | 2,725 |
| Noninterest income to average assets | 0.6632% | 2,467 |
| Noninterest expense to average assets | 3.2548% | 2,036 |
| Loan and lease loss provision to assets | -0.4694% | 6,582 |
| Net operating income to assets | 0.8638% | 2,990 |
| Return on assets (ROA) | 0.8638% | 3,086 |
| Pretax return on assets | 1.3671% | 2,013 |
| Return on Equity (ROE) | 7.3859% | 3,427 |
| Retained earnings to average equity (ytd only) | 7.3859% | 1,572 |
| Net charge-offs to loans | 0.0584% | 3,134 |
| Credit loss provision to net charge-offs | -1,022.0260% | 5,729 |
| Earnings coverage of net charge-offs (x) | 19.5437% | 1,617 |
| Efficiency ratio | 77.4795% | 2,377 |
| Assets per employee ($millions) | 5.7273% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 3,498 |
| Loan loss allowance to noncurrent loans | 162.7667% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 3,550 |
| Noncurrent loans to loans | 0.8403% | 3,609 |
| Net loans and leases to total assets | 76.3745% | 1,120 |
| Net loans and leases to deposits | 88.9313% | 1,486 |
| Net loans and leases to core deposits | 89.9466% | 2,133 |
| Total domestic deposits to total assets | 85.8803% | 3,104 |
| Equity capital to assets | 11.8149% | 2,140 |
| Core capital (leverage) ratio | 11.8019% | 1,786 |
| Tier 1 risk-based capital ratio | 14.2646% | 4,088 |
| Total risk-based capital ratio | 15.5215% | 4,018 |
| Memoranda: | ||
| Average total assets | $4,685,250,000 | 193 |
| Average earning assets | $4,350,609,000 | 186 |
| Average equity | $547,937,000 | 188 |
| Average total loans | $3,683,485,670 | 173 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8928% | 4,111 |
| Cost of funding earning assets | 0.1093% | 6,536 |
| Net interest margin | 3.7834% | 2,536 |
| Noninterest income to average assets | 0.6391% | 2,525 |
| Noninterest expense to average assets | 3.1804% | 2,293 |
| Loan and lease loss provision to assets | -0.2570% | 6,601 |
| Net operating income to assets | 0.7784% | 3,259 |
| Return on assets (ROA) | 0.7784% | 3,342 |
| Pretax return on assets | 1.2252% | 2,372 |
| Return on Equity (ROE) | 6.6908% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.6908% | 2,195 |
| Net charge-offs to loans | 0.0838% | 2,308 |
| Credit loss provision to net charge-offs | -387.2093% | 5,127 |
| Earnings coverage of net charge-offs (x) | 14.5904% | 1,595 |
| Efficiency ratio | 75.7290% | 2,843 |
| Assets per employee ($millions) | 5.6465% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 2,740 |
| Loan loss allowance to noncurrent loans | 155.6644% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.0412% | 3,171 |
| Noncurrent loans to loans | 1.0229% | 3,379 |
| Net loans and leases to total assets | 75.9299% | 1,008 |
| Net loans and leases to deposits | 88.3497% | 1,321 |
| Net loans and leases to core deposits | 89.3646% | 1,971 |
| Total domestic deposits to total assets | 85.9425% | 3,396 |
| Equity capital to assets | 11.5256% | 2,222 |
| Core capital (leverage) ratio | 11.7568% | 1,796 |
| Tier 1 risk-based capital ratio | 13.9193% | 4,375 |
| Total risk-based capital ratio | 15.1772% | 4,318 |
| Memoranda: | ||
| Average total assets | $4,665,343,500 | 193 |
| Average earning assets | $4,327,599,500 | 185 |
| Average equity | $542,775,500 | 190 |
| Average total loans | $3,695,837,000 | 173 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 4,123 |
| Cost of funding earning assets | 0.1261% | 6,616 |
| Net interest margin | 3.8631% | 2,420 |
| Noninterest income to average assets | 0.6873% | 2,615 |
| Noninterest expense to average assets | 3.0580% | 2,872 |
| Loan and lease loss provision to assets | -0.3244% | 6,684 |
| Net operating income to assets | 0.9507% | 2,565 |
| Return on assets (ROA) | 0.9507% | 2,632 |
| Pretax return on assets | 1.5215% | 1,379 |
| Return on Equity (ROE) | 7.7640% | 3,162 |
| Retained earnings to average equity (ytd only) | 7.7640% | 1,131 |
| Net charge-offs to loans | 0.1720% | 3,104 |
| Credit loss provision to net charge-offs | -239.8367% | 6,013 |
| Earnings coverage of net charge-offs (x) | 8.8505% | 2,597 |
| Efficiency ratio | 70.7621% | 3,709 |
| Assets per employee ($millions) | 5.3528% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 2,514 |
| Loan loss allowance to noncurrent loans | 168.7991% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 3,260 |
| Noncurrent loans to loans | 0.9871% | 3,545 |
| Net loans and leases to total assets | 79.9988% | 594 |
| Net loans and leases to deposits | 93.2452% | 939 |
| Net loans and leases to core deposits | 94.4831% | 1,562 |
| Total domestic deposits to total assets | 85.7939% | 3,363 |
| Equity capital to assets | 11.7468% | 1,988 |
| Core capital (leverage) ratio | 11.5444% | 1,928 |
| Tier 1 risk-based capital ratio | 13.3317% | 4,765 |
| Total risk-based capital ratio | 14.5892% | 4,702 |
| Memoranda: | ||
| Average total assets | $4,619,378,200 | 186 |
| Average earning assets | $4,266,385,600 | 181 |
| Average equity | $565,662,800 | 180 |
| Average total loans | $3,633,116,200 | 170 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 4,164 |
| Cost of funding earning assets | 0.1284% | 6,705 |
| Net interest margin | 3.8625% | 2,410 |
| Noninterest income to average assets | 0.6862% | 2,689 |
| Noninterest expense to average assets | 3.0084% | 2,967 |
| Loan and lease loss provision to assets | -0.3455% | 6,792 |
| Net operating income to assets | 0.9963% | 2,390 |
| Return on assets (ROA) | 0.9963% | 2,477 |
| Pretax return on assets | 1.5871% | 1,366 |
| Return on Equity (ROE) | 8.0547% | 3,094 |
| Retained earnings to average equity (ytd only) | 8.0547% | 1,389 |
| Net charge-offs to loans | 0.0965% | 3,590 |
| Credit loss provision to net charge-offs | -459.0892% | 6,045 |
| Earnings coverage of net charge-offs (x) | 16.4952% | 1,802 |
| Efficiency ratio | 69.6552% | 3,812 |
| Assets per employee ($millions) | 5.3958% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 1,995 |
| Loan loss allowance to noncurrent loans | 187.8625% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 1.1520% | 3,356 |
| Noncurrent loans to loans | 1.0139% | 3,780 |
| Net loans and leases to total assets | 76.3758% | 958 |
| Net loans and leases to deposits | 88.7031% | 1,296 |
| Net loans and leases to core deposits | 89.9542% | 1,971 |
| Total domestic deposits to total assets | 86.1027% | 3,195 |
| Equity capital to assets | 11.5332% | 2,280 |
| Core capital (leverage) ratio | 11.4236% | 2,102 |
| Tier 1 risk-based capital ratio | 13.9436% | 4,472 |
| Total risk-based capital ratio | 15.2036% | 4,418 |
| Memoranda: | ||
| Average total assets | $4,628,725,250 | 183 |
| Average earning assets | $4,270,834,750 | 177 |
| Average equity | $572,519,750 | 175 |
| Average total loans | $3,609,483,250 | 167 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 4,060 |
| Cost of funding earning assets | 0.1306% | 6,755 |
| Net interest margin | 3.8796% | 2,276 |
| Noninterest income to average assets | 0.6756% | 2,765 |
| Noninterest expense to average assets | 2.9823% | 3,056 |
| Loan and lease loss provision to assets | -0.2010% | 6,784 |
| Net operating income to assets | 0.9183% | 2,706 |
| Return on assets (ROA) | 0.9183% | 2,844 |
| Pretax return on assets | 1.4707% | 1,713 |
| Return on Equity (ROE) | 7.2608% | 3,461 |
| Retained earnings to average equity (ytd only) | 3.8293% | 3,863 |
| Net charge-offs to loans | 0.1406% | 2,978 |
| Credit loss provision to net charge-offs | -183.2873% | 5,717 |
| Earnings coverage of net charge-offs (x) | 11.5778% | 2,042 |
| Efficiency ratio | 68.9866% | 4,012 |
| Assets per employee ($millions) | 5.2962% | 1,799 |
| Cash dividends to net income (ytd only)* | 47.2604% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1055% | 1,623 |
| Loan loss allowance to noncurrent loans | 174.1215% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 1.2641% | 3,234 |
| Noncurrent loans to loans | 1.2092% | 3,533 |
| Net loans and leases to total assets | 76.3220% | 950 |
| Net loans and leases to deposits | 89.8657% | 1,158 |
| Net loans and leases to core deposits | 91.0928% | 1,799 |
| Total domestic deposits to total assets | 84.9290% | 3,918 |
| Equity capital to assets | 12.7467% | 1,441 |
| Core capital (leverage) ratio | 12.6199% | 1,313 |
| Tier 1 risk-based capital ratio | 15.3513% | 3,564 |
| Total risk-based capital ratio | 16.6138% | 3,514 |
| Memoranda: | ||
| Average total assets | $4,626,628,330 | 182 |
| Average earning assets | $4,265,183,670 | 176 |
| Average equity | $585,171,330 | 172 |
| Average total loans | $3,609,722,330 | 165 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9757% | 4,217 |
| Cost of funding earning assets | 0.1340% | 6,832 |
| Net interest margin | 3.8417% | 2,316 |
| Noninterest income to average assets | 0.6532% | 2,857 |
| Noninterest expense to average assets | 2.9334% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7897% | 3,220 |
| Return on assets (ROA) | 0.7897% | 3,352 |
| Pretax return on assets | 1.2581% | 2,382 |
| Return on Equity (ROE) | 6.2687% | 3,906 |
| Retained earnings to average equity (ytd only) | 4.0669% | 3,783 |
| Net charge-offs to loans | 0.4392% | 1,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.6706% | 2,704 |
| Efficiency ratio | 68.7880% | 4,178 |
| Assets per employee ($millions) | 5.3998% | 1,750 |
| Cash dividends to net income (ytd only)* | 35.1239% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2157% | 1,556 |
| Loan loss allowance to noncurrent loans | 151.5279% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 1.5129% | 2,985 |
| Noncurrent loans to loans | 1.4623% | 3,371 |
| Net loans and leases to total assets | 75.0944% | 953 |
| Net loans and leases to deposits | 88.2611% | 1,119 |
| Net loans and leases to core deposits | 89.4336% | 1,761 |
| Total domestic deposits to total assets | 85.0822% | 4,002 |
| Equity capital to assets | 12.5404% | 1,690 |
| Core capital (leverage) ratio | 12.4779% | 1,347 |
| Tier 1 risk-based capital ratio | 15.3574% | 3,620 |
| Total risk-based capital ratio | 16.6214% | 3,563 |
| Memoranda: | ||
| Average total assets | $4,620,200,000 | 186 |
| Average earning assets | $4,255,340,000 | 180 |
| Average equity | $582,066,500 | 176 |
| Average total loans | $3,606,029,000 | 167 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 4,271 |
| Cost of funding earning assets | 0.1734% | 6,884 |
| Net interest margin | 4.1076% | 1,972 |
| Noninterest income to average assets | 0.5507% | 3,573 |
| Noninterest expense to average assets | 3.2560% | 2,460 |
| Loan and lease loss provision to assets | -0.0128% | 6,825 |
| Net operating income to assets | 0.6863% | 3,803 |
| Return on assets (ROA) | 0.6863% | 4,063 |
| Pretax return on assets | 1.0637% | 3,298 |
| Return on Equity (ROE) | 5.0914% | 4,640 |
| Retained earnings to average equity (ytd only) | 3.4480% | 3,801 |
| Net charge-offs to loans | 0.4103% | 2,614 |
| Credit loss provision to net charge-offs | -4.1104% | 6,205 |
| Earnings coverage of net charge-offs (x) | 3.3810% | 3,751 |
| Efficiency ratio | 74.2871% | 3,025 |
| Assets per employee ($millions) | 5.2951% | 1,906 |
| Cash dividends to net income (ytd only)* | 32.2778% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2965% | 1,380 |
| Loan loss allowance to noncurrent loans | 163.6224% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 1.5634% | 3,039 |
| Noncurrent loans to loans | 1.4036% | 3,493 |
| Net loans and leases to total assets | 77.5053% | 729 |
| Net loans and leases to deposits | 91.5249% | 949 |
| Net loans and leases to core deposits | 92.7389% | 1,575 |
| Total domestic deposits to total assets | 84.6822% | 3,997 |
| Equity capital to assets | 12.6573% | 1,609 |
| Core capital (leverage) ratio | 12.1159% | 1,496 |
| Tier 1 risk-based capital ratio | 14.5290% | 4,011 |
| Total risk-based capital ratio | 15.7945% | 3,954 |
| Memoranda: | ||
| Average total assets | $4,500,334,400 | 183 |
| Average earning assets | $4,115,429,400 | 182 |
| Average equity | $606,608,800 | 172 |
| Average total loans | $3,409,076,400 | 168 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 4,473 |
| Cost of funding earning assets | 0.1828% | 6,977 |
| Net interest margin | 4.1109% | 2,053 |
| Noninterest income to average assets | 0.5561% | 3,570 |
| Noninterest expense to average assets | 3.2618% | 2,382 |
| Loan and lease loss provision to assets | 0.3205% | 2,059 |
| Net operating income to assets | 0.4669% | 4,966 |
| Return on assets (ROA) | 0.4669% | 5,222 |
| Pretax return on assets | 0.7308% | 4,743 |
| Return on Equity (ROE) | 3.4105% | 5,528 |
| Retained earnings to average equity (ytd only) | 1.2440% | 5,674 |
| Net charge-offs to loans | 0.6404% | 1,720 |
| Credit loss provision to net charge-offs | 66.8777% | 3,985 |
| Earnings coverage of net charge-offs (x) | 2.1935% | 4,164 |
| Efficiency ratio | 74.3075% | 2,931 |
| Assets per employee ($millions) | 5.0026% | 2,190 |
| Cash dividends to net income (ytd only)* | 63.5251% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6347% | 1,046 |
| Loan loss allowance to noncurrent loans | 134.0894% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 2.0184% | 2,614 |
| Noncurrent loans to loans | 1.9649% | 2,877 |
| Net loans and leases to total assets | 76.5793% | 885 |
| Net loans and leases to deposits | 90.0997% | 1,137 |
| Net loans and leases to core deposits | 91.4572% | 1,833 |
| Total domestic deposits to total assets | 84.9939% | 3,744 |
| Equity capital to assets | 12.6095% | 1,818 |
| Core capital (leverage) ratio | 11.9436% | 1,688 |
| Tier 1 risk-based capital ratio | 14.6676% | 4,070 |
| Total risk-based capital ratio | 15.9366% | 4,023 |
| Memoranda: | ||
| Average total assets | $4,481,672,750 | 186 |
| Average earning assets | $4,095,715,000 | 185 |
| Average equity | $613,493,500 | 171 |
| Average total loans | $3,354,045,250 | 168 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 4,589 |
| Cost of funding earning assets | 0.1931% | 7,041 |
| Net interest margin | 4.1024% | 2,081 |
| Noninterest income to average assets | 0.5349% | 3,691 |
| Noninterest expense to average assets | 3.2499% | 2,438 |
| Loan and lease loss provision to assets | 0.4000% | 1,640 |
| Net operating income to assets | 0.3821% | 5,284 |
| Return on assets (ROA) | 0.3821% | 5,518 |
| Pretax return on assets | 0.6294% | 5,030 |
| Return on Equity (ROE) | 2.7203% | 5,799 |
| Retained earnings to average equity (ytd only) | 0.3142% | 5,940 |
| Net charge-offs to loans | 0.7972% | 1,382 |
| Credit loss provision to net charge-offs | 68.2019% | 3,607 |
| Earnings coverage of net charge-offs (x) | 1.7551% | 4,104 |
| Efficiency ratio | 74.6122% | 2,965 |
| Assets per employee ($millions) | 4.8420% | 2,370 |
| Cash dividends to net income (ytd only)* | 88.4508% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8247% | 922 |
| Loan loss allowance to noncurrent loans | 104.7475% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 2.5601% | 2,181 |
| Noncurrent loans to loans | 2.6967% | 2,229 |
| Net loans and leases to total assets | 72.7783% | 1,428 |
| Net loans and leases to deposits | 86.0245% | 1,594 |
| Net loans and leases to core deposits | 87.3641% | 2,269 |
| Total domestic deposits to total assets | 84.6018% | 4,052 |
| Equity capital to assets | 13.1509% | 1,450 |
| Core capital (leverage) ratio | 12.2482% | 1,471 |
| Tier 1 risk-based capital ratio | 15.7318% | 3,314 |
| Total risk-based capital ratio | 17.0022% | 3,274 |
| Memoranda: | ||
| Average total assets | $4,486,451,670 | 186 |
| Average earning assets | $4,095,001,000 | 185 |
| Average equity | $630,222,000 | 164 |
| Average total loans | $3,300,851,000 | 168 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3118% | 4,689 |
| Cost of funding earning assets | 0.1998% | 7,104 |
| Net interest margin | 4.1120% | 2,051 |
| Noninterest income to average assets | 0.4828% | 4,037 |
| Noninterest expense to average assets | 3.1796% | 2,670 |
| Loan and lease loss provision to assets | 0.5779% | 998 |
| Net operating income to assets | 0.2896% | 5,692 |
| Return on assets (ROA) | 0.2896% | 5,861 |
| Pretax return on assets | 0.4770% | 5,499 |
| Return on Equity (ROE) | 1.9987% | 6,076 |
| Retained earnings to average equity (ytd only) | -1.7394% | 6,247 |
| Net charge-offs to loans | 0.9378% | 1,101 |
| Credit loss provision to net charge-offs | 84.4928% | 2,654 |
| Earnings coverage of net charge-offs (x) | 1.5424% | 3,559 |
| Efficiency ratio | 73.7383% | 3,136 |
| Assets per employee ($millions) | 4.9438% | 2,325 |
| Cash dividends to net income (ytd only)* | 187.0257% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9559% | 870 |
| Loan loss allowance to noncurrent loans | 96.1620% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 2.9261% | 1,975 |
| Noncurrent loans to loans | 3.0738% | 2,086 |
| Net loans and leases to total assets | 69.8868% | 1,772 |
| Net loans and leases to deposits | 83.6030% | 1,715 |
| Net loans and leases to core deposits | 84.9485% | 2,413 |
| Total domestic deposits to total assets | 83.5936% | 4,679 |
| Equity capital to assets | 14.3722% | 902 |
| Core capital (leverage) ratio | 13.7351% | 872 |
| Tier 1 risk-based capital ratio | 17.8813% | 2,341 |
| Total risk-based capital ratio | 19.1526% | 2,303 |
| Memoranda: | ||
| Average total assets | $4,514,475,000 | 184 |
| Average earning assets | $4,118,945,500 | 181 |
| Average equity | $654,014,000 | 159 |
| Average total loans | $3,292,227,000 | 166 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 4,822 |
| Cost of funding earning assets | 0.2671% | 7,156 |
| Net interest margin | 4.2954% | 1,709 |
| Noninterest income to average assets | 0.4020% | 4,595 |
| Noninterest expense to average assets | 3.1266% | 3,107 |
| Loan and lease loss provision to assets | 0.2154% | 4,042 |
| Net operating income to assets | 0.5731% | 4,130 |
| Return on assets (ROA) | 0.5731% | 4,315 |
| Pretax return on assets | 0.9476% | 3,436 |
| Return on Equity (ROE) | 3.9941% | 4,852 |
| Retained earnings to average equity (ytd only) | 3.9941% | 3,349 |
| Net charge-offs to loans | 1.6454% | 952 |
| Credit loss provision to net charge-offs | 17.6488% | 5,944 |
| Earnings coverage of net charge-offs (x) | 0.9528% | 5,088 |
| Efficiency ratio | 71.3714% | 3,719 |
| Assets per employee ($millions) | 4.8388% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9557% | 847 |
| Loan loss allowance to noncurrent loans | 97.1860% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 2.9872% | 2,014 |
| Noncurrent loans to loans | 3.0413% | 2,132 |
| Net loans and leases to total assets | 71.6656% | 1,699 |
| Net loans and leases to deposits | 86.1535% | 1,650 |
| Net loans and leases to core deposits | 87.5300% | 2,425 |
| Total domestic deposits to total assets | 83.1836% | 4,678 |
| Equity capital to assets | 14.6033% | 873 |
| Core capital (leverage) ratio | 13.6462% | 910 |
| Tier 1 risk-based capital ratio | 17.7107% | 2,302 |
| Total risk-based capital ratio | 18.9827% | 2,264 |
| Memoranda: | ||
| Average total assets | $4,458,365,800 | 181 |
| Average earning assets | $4,035,166,800 | 181 |
| Average equity | $639,669,800 | 160 |
| Average total loans | $3,307,622,600 | 167 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 4,874 |
| Cost of funding earning assets | 0.2812% | 7,240 |
| Net interest margin | 4.3165% | 1,656 |
| Noninterest income to average assets | 0.3714% | 4,895 |
| Noninterest expense to average assets | 3.1393% | 3,029 |
| Loan and lease loss provision to assets | 0.3024% | 3,109 |
| Net operating income to assets | 0.5021% | 4,540 |
| Return on assets (ROA) | 0.5021% | 4,724 |
| Pretax return on assets | 0.8291% | 4,022 |
| Return on Equity (ROE) | 3.5153% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.5153% | 4,236 |
| Net charge-offs to loans | 1.6216% | 866 |
| Credit loss provision to net charge-offs | 25.1032% | 5,487 |
| Earnings coverage of net charge-offs (x) | 0.9394% | 4,918 |
| Efficiency ratio | 71.9502% | 3,560 |
| Assets per employee ($millions) | 4.7666% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4278% | 599 |
| Loan loss allowance to noncurrent loans | 92.3426% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 3.6214% | 1,735 |
| Noncurrent loans to loans | 3.7120% | 1,833 |
| Net loans and leases to total assets | 71.7992% | 1,757 |
| Net loans and leases to deposits | 86.2902% | 1,647 |
| Net loans and leases to core deposits | 88.6425% | 2,411 |
| Total domestic deposits to total assets | 83.2067% | 4,603 |
| Equity capital to assets | 14.6176% | 955 |
| Core capital (leverage) ratio | 13.4724% | 1,055 |
| Tier 1 risk-based capital ratio | 17.8570% | 2,306 |
| Total risk-based capital ratio | 19.1348% | 2,261 |
| Memoranda: | ||
| Average total assets | $4,451,556,750 | 181 |
| Average earning assets | $4,021,394,250 | 181 |
| Average equity | $635,825,250 | 162 |
| Average total loans | $3,306,392,750 | 168 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6113% | 4,922 |
| Cost of funding earning assets | 0.2906% | 7,321 |
| Net interest margin | 4.3208% | 1,595 |
| Noninterest income to average assets | 0.3085% | 5,426 |
| Noninterest expense to average assets | 3.2081% | 2,867 |
| Loan and lease loss provision to assets | 0.1135% | 4,873 |
| Net operating income to assets | 0.5363% | 4,347 |
| Return on assets (ROA) | 0.5363% | 4,488 |
| Pretax return on assets | 0.8855% | 3,681 |
| Return on Equity (ROE) | 3.7842% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.7842% | 3,808 |
| Net charge-offs to loans | 1.4773% | 1,009 |
| Credit loss provision to net charge-offs | 10.3493% | 5,243 |
| Earnings coverage of net charge-offs (x) | 0.9107% | 4,615 |
| Efficiency ratio | 74.6162% | 3,248 |
| Assets per employee ($millions) | 4.7412% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6477% | 538 |
| Loan loss allowance to noncurrent loans | 89.5421% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 4.1453% | 1,539 |
| Noncurrent loans to loans | 4.0738% | 1,693 |
| Net loans and leases to total assets | 71.0583% | 1,989 |
| Net loans and leases to deposits | 84.8768% | 1,968 |
| Net loans and leases to core deposits | 87.9620% | 2,649 |
| Total domestic deposits to total assets | 83.7193% | 4,468 |
| Equity capital to assets | 14.2523% | 1,015 |
| Core capital (leverage) ratio | 13.2909% | 1,064 |
| Tier 1 risk-based capital ratio | 17.5297% | 2,329 |
| Total risk-based capital ratio | 18.8106% | 2,290 |
| Memoranda: | ||
| Average total assets | $4,462,524,670 | 185 |
| Average earning assets | $4,026,518,000 | 184 |
| Average equity | $632,467,330 | 164 |
| Average total loans | $3,313,468,000 | 168 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6256% | 4,844 |
| Cost of funding earning assets | 0.2962% | 7,392 |
| Net interest margin | 4.3294% | 1,470 |
| Noninterest income to average assets | -0.0365% | 7,343 |
| Noninterest expense to average assets | 3.2813% | 2,614 |
| Loan and lease loss provision to assets | 0.0669% | 5,162 |
| Net operating income to assets | 0.3124% | 5,348 |
| Return on assets (ROA) | 0.3124% | 5,418 |
| Pretax return on assets | 0.5184% | 4,966 |
| Return on Equity (ROE) | 2.2101% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.2101% | 4,819 |
| Net charge-offs to loans | 1.6219% | 828 |
| Credit loss provision to net charge-offs | 5.5357% | 4,425 |
| Earnings coverage of net charge-offs (x) | 0.4844% | 4,256 |
| Efficiency ratio | 82.8904% | 2,099 |
| Assets per employee ($millions) | 4.5959% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9200% | 440 |
| Loan loss allowance to noncurrent loans | 93.2905% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 4.2546% | 1,539 |
| Noncurrent loans to loans | 4.2019% | 1,700 |
| Net loans and leases to total assets | 70.9788% | 1,933 |
| Net loans and leases to deposits | 84.7397% | 1,921 |
| Net loans and leases to core deposits | 87.7897% | 2,629 |
| Total domestic deposits to total assets | 83.7609% | 4,591 |
| Equity capital to assets | 14.0492% | 999 |
| Core capital (leverage) ratio | 13.0283% | 1,113 |
| Tier 1 risk-based capital ratio | 17.1534% | 2,419 |
| Total risk-based capital ratio | 18.4382% | 2,385 |
| Memoranda: | ||
| Average total assets | $4,448,814,500 | 183 |
| Average earning assets | $4,010,851,500 | 183 |
| Average equity | $628,740,500 | 165 |
| Average total loans | $3,314,569,500 | 169 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 4,818 |
| Cost of funding earning assets | 0.4534% | 7,364 |
| Net interest margin | 4.4898% | 1,247 |
| Noninterest income to average assets | 0.0318% | 7,190 |
| Noninterest expense to average assets | 3.1293% | 3,348 |
| Loan and lease loss provision to assets | 1.1963% | 1,311 |
| Net operating income to assets | -0.1760% | 6,081 |
| Return on assets (ROA) | -0.1760% | 6,141 |
| Pretax return on assets | -0.2916% | 6,154 |
| Return on Equity (ROE) | -1.2499% | 6,090 |
| Retained earnings to average equity (ytd only) | -1.2499% | 5,847 |
| Net charge-offs to loans | 3.2924% | 465 |
| Credit loss provision to net charge-offs | 47.7429% | 6,295 |
| Earnings coverage of net charge-offs (x) | 0.3610% | 5,744 |
| Efficiency ratio | 75.5131% | 3,121 |
| Assets per employee ($millions) | 4.5065% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3094% | 307 |
| Loan loss allowance to noncurrent loans | 97.4472% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 4.7991% | 1,355 |
| Noncurrent loans to loans | 4.4223% | 1,614 |
| Net loans and leases to total assets | 71.9079% | 2,120 |
| Net loans and leases to deposits | 85.7539% | 2,149 |
| Net loans and leases to core deposits | 89.0198% | 2,897 |
| Total domestic deposits to total assets | 83.8538% | 4,423 |
| Equity capital to assets | 14.2179% | 976 |
| Core capital (leverage) ratio | 12.7095% | 1,238 |
| Tier 1 risk-based capital ratio | 16.8975% | 2,383 |
| Total risk-based capital ratio | 18.1875% | 2,337 |
| Memoranda: | ||
| Average total assets | $4,463,889,000 | 187 |
| Average earning assets | $3,979,078,400 | 184 |
| Average equity | $628,628,400 | 164 |
| Average total loans | $3,397,190,200 | 165 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9875% | 4,881 |
| Cost of funding earning assets | 0.4939% | 7,453 |
| Net interest margin | 4.4936% | 1,269 |
| Noninterest income to average assets | -0.0708% | 7,517 |
| Noninterest expense to average assets | 2.9909% | 3,781 |
| Loan and lease loss provision to assets | 1.3393% | 1,028 |
| Net operating income to assets | -0.2438% | 6,375 |
| Return on assets (ROA) | -0.2438% | 6,424 |
| Pretax return on assets | -0.4034% | 6,494 |
| Return on Equity (ROE) | -1.7353% | 6,369 |
| Retained earnings to average equity (ytd only) | -1.7353% | 6,148 |
| Net charge-offs to loans | 3.6236% | 365 |
| Credit loss provision to net charge-offs | 48.4140% | 5,907 |
| Earnings coverage of net charge-offs (x) | 0.3383% | 5,689 |
| Efficiency ratio | 74.0124% | 3,326 |
| Assets per employee ($millions) | 4.5447% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6362% | 231 |
| Loan loss allowance to noncurrent loans | 85.2440% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 5.5976% | 1,097 |
| Noncurrent loans to loans | 5.4387% | 1,232 |
| Net loans and leases to total assets | 71.0670% | 2,473 |
| Net loans and leases to deposits | 85.5934% | 2,427 |
| Net loans and leases to core deposits | 88.4204% | 3,318 |
| Total domestic deposits to total assets | 83.0286% | 4,581 |
| Equity capital to assets | 14.1163% | 1,132 |
| Core capital (leverage) ratio | 12.4942% | 1,412 |
| Tier 1 risk-based capital ratio | 16.5578% | 2,536 |
| Total risk-based capital ratio | 17.8516% | 2,468 |
| Memoranda: | ||
| Average total assets | $4,478,012,250 | 186 |
| Average earning assets | $3,983,811,500 | 182 |
| Average equity | $629,126,000 | 162 |
| Average total loans | $3,418,489,000 | 163 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 4,724 |
| Cost of funding earning assets | 0.5265% | 7,507 |
| Net interest margin | 4.5187% | 1,167 |
| Noninterest income to average assets | -0.2469% | 7,693 |
| Noninterest expense to average assets | 2.9752% | 3,807 |
| Loan and lease loss provision to assets | 1.1578% | 1,232 |
| Net operating income to assets | -0.2130% | 6,370 |
| Return on assets (ROA) | -0.2130% | 6,418 |
| Pretax return on assets | -0.3530% | 6,474 |
| Return on Equity (ROE) | -1.5188% | 6,376 |
| Retained earnings to average equity (ytd only) | -1.5188% | 6,068 |
| Net charge-offs to loans | 3.7950% | 362 |
| Credit loss provision to net charge-offs | 39.6517% | 5,620 |
| Earnings coverage of net charge-offs (x) | 0.2756% | 5,452 |
| Efficiency ratio | 76.3934% | 3,001 |
| Assets per employee ($millions) | 4.4143% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8776% | 186 |
| Loan loss allowance to noncurrent loans | 75.6972% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 6.1767% | 933 |
| Noncurrent loans to loans | 6.4436% | 934 |
| Net loans and leases to total assets | 70.8269% | 2,706 |
| Net loans and leases to deposits | 85.3357% | 2,626 |
| Net loans and leases to core deposits | 87.7828% | 3,576 |
| Total domestic deposits to total assets | 82.9980% | 4,575 |
| Equity capital to assets | 14.1377% | 1,125 |
| Core capital (leverage) ratio | 12.4020% | 1,445 |
| Tier 1 risk-based capital ratio | 16.6405% | 2,424 |
| Total risk-based capital ratio | 17.9384% | 2,353 |
| Memoranda: | ||
| Average total assets | $4,492,145,330 | 184 |
| Average earning assets | $4,003,156,330 | 183 |
| Average equity | $630,119,670 | 161 |
| Average total loans | $3,456,149,670 | 155 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 4,734 |
| Cost of funding earning assets | 0.5456% | 7,609 |
| Net interest margin | 4.5144% | 1,109 |
| Noninterest income to average assets | -0.0083% | 7,691 |
| Noninterest expense to average assets | 2.8771% | 4,150 |
| Loan and lease loss provision to assets | 1.8805% | 596 |
| Net operating income to assets | -0.4440% | 6,796 |
| Return on assets (ROA) | -0.4440% | 6,829 |
| Pretax return on assets | -0.7304% | 6,914 |
| Return on Equity (ROE) | -3.1777% | 6,756 |
| Retained earnings to average equity (ytd only) | -3.1777% | 6,387 |
| Net charge-offs to loans | 3.7001% | 374 |
| Credit loss provision to net charge-offs | 65.0251% | 4,204 |
| Earnings coverage of net charge-offs (x) | 0.3977% | 4,679 |
| Efficiency ratio | 69.1534% | 4,481 |
| Assets per employee ($millions) | 4.4023% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5213% | 128 |
| Loan loss allowance to noncurrent loans | 85.9349% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 6.5985% | 854 |
| Noncurrent loans to loans | 6.4250% | 975 |
| Net loans and leases to total assets | 72.3859% | 2,362 |
| Net loans and leases to deposits | 86.8980% | 2,423 |
| Net loans and leases to core deposits | 89.4894% | 3,431 |
| Total domestic deposits to total assets | 83.2998% | 4,476 |
| Equity capital to assets | 14.0007% | 1,142 |
| Core capital (leverage) ratio | 12.2493% | 1,520 |
| Tier 1 risk-based capital ratio | 15.5773% | 2,839 |
| Total risk-based capital ratio | 16.8824% | 2,762 |
| Memoranda: | ||
| Average total assets | $4,513,430,000 | 186 |
| Average earning assets | $4,034,633,000 | 186 |
| Average equity | $630,646,500 | 159 |
| Average total loans | $3,527,675,500 | 155 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3129% | 5,114 |
| Cost of funding earning assets | 1.1559% | 6,809 |
| Net interest margin | 4.1570% | 2,217 |
| Noninterest income to average assets | 0.4017% | 5,184 |
| Noninterest expense to average assets | 3.0559% | 3,921 |
| Loan and lease loss provision to assets | 6.0958% | 106 |
| Net operating income to assets | -3.0125% | 7,394 |
| Return on assets (ROA) | -3.0125% | 7,406 |
| Pretax return on assets | -4.9864% | 7,707 |
| Return on Equity (ROE) | -20.4964% | 7,157 |
| Retained earnings to average equity (ytd only) | -20.4964% | 7,125 |
| Net charge-offs to loans | 5.5185% | 204 |
| Credit loss provision to net charge-offs | 136.1828% | 3,628 |
| Earnings coverage of net charge-offs (x) | 0.2478% | 5,873 |
| Efficiency ratio | 71.1949% | 4,412 |
| Assets per employee ($millions) | 4.4389% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5598% | 124 |
| Loan loss allowance to noncurrent loans | 78.9834% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 7.3630% | 670 |
| Noncurrent loans to loans | 7.0392% | 792 |
| Net loans and leases to total assets | 75.2540% | 1,981 |
| Net loans and leases to deposits | 90.2933% | 2,177 |
| Net loans and leases to core deposits | 97.8089% | 4,245 |
| Total domestic deposits to total assets | 83.2388% | 4,405 |
| Equity capital to assets | 13.9450% | 1,186 |
| Core capital (leverage) ratio | 11.5876% | 1,873 |
| Tier 1 risk-based capital ratio | 14.4584% | 3,235 |
| Total risk-based capital ratio | 15.7636% | 3,154 |
| Memoranda: | ||
| Average total assets | $4,785,326,800 | 179 |
| Average earning assets | $4,332,524,200 | 176 |
| Average equity | $703,323,000 | 140 |
| Average total loans | $3,881,530,400 | 148 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3527% | 5,161 |
| Cost of funding earning assets | 1.2420% | 6,749 |
| Net interest margin | 4.1107% | 2,353 |
| Noninterest income to average assets | 0.5105% | 4,401 |
| Noninterest expense to average assets | 2.9816% | 4,120 |
| Loan and lease loss provision to assets | 6.6016% | 84 |
| Net operating income to assets | -3.2261% | 7,635 |
| Return on assets (ROA) | -3.2261% | 7,638 |
| Pretax return on assets | -5.3388% | 7,848 |
| Return on Equity (ROE) | -21.6901% | 7,434 |
| Retained earnings to average equity (ytd only) | -21.6901% | 7,401 |
| Net charge-offs to loans | 5.4790% | 180 |
| Credit loss provision to net charge-offs | 147.9354% | 3,270 |
| Earnings coverage of net charge-offs (x) | 0.2830% | 5,727 |
| Efficiency ratio | 68.1287% | 4,946 |
| Assets per employee ($millions) | 4.6256% | 2,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4295% | 106 |
| Loan loss allowance to noncurrent loans | 70.3313% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 8.0249% | 537 |
| Noncurrent loans to loans | 7.7199% | 655 |
| Net loans and leases to total assets | 73.7113% | 2,621 |
| Net loans and leases to deposits | 88.6962% | 2,836 |
| Net loans and leases to core deposits | 98.0532% | 4,593 |
| Total domestic deposits to total assets | 83.0052% | 4,219 |
| Equity capital to assets | 13.8694% | 1,351 |
| Core capital (leverage) ratio | 13.0624% | 1,357 |
| Tier 1 risk-based capital ratio | 16.2642% | 2,527 |
| Total risk-based capital ratio | 17.5666% | 2,444 |
| Memoranda: | ||
| Average total assets | $4,846,422,500 | 184 |
| Average earning assets | $4,402,132,000 | 180 |
| Average equity | $720,845,000 | 140 |
| Average total loans | $3,947,308,500 | 156 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4170% | 5,052 |
| Cost of funding earning assets | 1.3016% | 6,801 |
| Net interest margin | 4.1154% | 2,269 |
| Noninterest income to average assets | 0.4736% | 4,684 |
| Noninterest expense to average assets | 2.9281% | 4,394 |
| Loan and lease loss provision to assets | 8.1633% | 69 |
| Net operating income to assets | -4.1509% | 7,852 |
| Return on assets (ROA) | -4.1509% | 7,848 |
| Pretax return on assets | -6.8701% | 8,020 |
| Return on Equity (ROE) | -27.3075% | 7,668 |
| Retained earnings to average equity (ytd only) | -27.3075% | 7,640 |
| Net charge-offs to loans | 4.8566% | 257 |
| Credit loss provision to net charge-offs | 203.5234% | 2,237 |
| Earnings coverage of net charge-offs (x) | 0.3224% | 5,353 |
| Efficiency ratio | 67.2196% | 5,311 |
| Assets per employee ($millions) | 4.4917% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7585% | 86 |
| Loan loss allowance to noncurrent loans | 62.1055% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 8.8459% | 389 |
| Noncurrent loans to loans | 9.2721% | 415 |
| Net loans and leases to total assets | 76.6517% | 2,025 |
| Net loans and leases to deposits | 92.3883% | 2,396 |
| Net loans and leases to core deposits | 103.0596% | 4,173 |
| Total domestic deposits to total assets | 82.6994% | 4,381 |
| Equity capital to assets | 14.0835% | 1,285 |
| Core capital (leverage) ratio | 12.9190% | 1,460 |
| Tier 1 risk-based capital ratio | 15.8544% | 2,678 |
| Total risk-based capital ratio | 17.1612% | 2,601 |
| Memoranda: | ||
| Average total assets | $4,875,331,670 | 191 |
| Average earning assets | $4,439,747,670 | 186 |
| Average equity | $741,079,670 | 141 |
| Average total loans | $4,026,457,330 | 159 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 4,220 |
| Cost of funding earning assets | 1.3773% | 6,792 |
| Net interest margin | 4.2457% | 1,761 |
| Noninterest income to average assets | 0.5624% | 3,813 |
| Noninterest expense to average assets | 2.8337% | 4,407 |
| Loan and lease loss provision to assets | 4.2274% | 217 |
| Net operating income to assets | -1.5869% | 7,535 |
| Return on assets (ROA) | -1.5978% | 7,543 |
| Pretax return on assets | -2.6480% | 7,689 |
| Return on Equity (ROE) | -10.1471% | 7,376 |
| Retained earnings to average equity (ytd only) | -10.1471% | 7,130 |
| Net charge-offs to loans | 3.1612% | 405 |
| Credit loss provision to net charge-offs | 160.7294% | 2,637 |
| Earnings coverage of net charge-offs (x) | 0.6070% | 4,511 |
| Efficiency ratio | 61.8539% | 6,078 |
| Assets per employee ($millions) | 4.5114% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5575% | 310 |
| Loan loss allowance to noncurrent loans | 45.5039% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 7.6363% | 411 |
| Noncurrent loans to loans | 7.8181% | 465 |
| Net loans and leases to total assets | 78.4898% | 1,702 |
| Net loans and leases to deposits | 96.4742% | 1,877 |
| Net loans and leases to core deposits | 108.3314% | 3,634 |
| Total domestic deposits to total assets | 80.9362% | 4,997 |
| Equity capital to assets | 15.3949% | 989 |
| Core capital (leverage) ratio | 15.2153% | 920 |
| Tier 1 risk-based capital ratio | 17.4248% | 2,209 |
| Total risk-based capital ratio | 18.7032% | 2,145 |
| Memoranda: | ||
| Average total assets | $4,912,190,000 | 190 |
| Average earning assets | $4,474,884,500 | 186 |
| Average equity | $773,501,000 | 136 |
| Average total loans | $4,086,980,500 | 160 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8073% | 1,652 |
| Cost of funding earning assets | 2.0317% | 6,314 |
| Net interest margin | 4.7756% | 819 |
| Noninterest income to average assets | 0.3534% | 5,902 |
| Noninterest expense to average assets | 5.8680% | 423 |
| Loan and lease loss provision to assets | 4.1084% | 156 |
| Net operating income to assets | -4.2355% | 8,021 |
| Return on assets (ROA) | -4.2403% | 8,005 |
| Pretax return on assets | -5.3404% | 8,054 |
| Return on Equity (ROE) | -35.1176% | 8,024 |
| Retained earnings to average equity (ytd only) | -36.7242% | 8,005 |
| Net charge-offs to loans | 3.3541% | 241 |
| Credit loss provision to net charge-offs | 143.9287% | 3,672 |
| Earnings coverage of net charge-offs (x) | -0.4295% | 6,466 |
| Efficiency ratio | 53.6123% | 7,315 |
| Assets per employee ($millions) | 4.4322% | 2,719 |
| Cash dividends to net income (ytd only)* | -4.5749% | 7,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9828% | 440 |
| Loan loss allowance to noncurrent loans | 53.4689% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 5.9497% | 507 |
| Noncurrent loans to loans | 5.5785% | 720 |
| Net loans and leases to total assets | 82.5072% | 1,133 |
| Net loans and leases to deposits | 102.5337% | 1,529 |
| Net loans and leases to core deposits | 117.8308% | 2,908 |
| Total domestic deposits to total assets | 79.7953% | 5,103 |
| Equity capital to assets | 16.1036% | 911 |
| Core capital (leverage) ratio | 15.1947% | 984 |
| Tier 1 risk-based capital ratio | 17.4861% | 2,181 |
| Total risk-based capital ratio | 18.7578% | 2,113 |
| Memoranda: | ||
| Average total assets | $5,154,847,200 | 179 |
| Average earning assets | $4,629,321,600 | 177 |
| Average equity | $622,432,000 | 161 |
| Average total loans | $4,386,979,800 | 147 |