Home > New York Commercial Bank > Performance and Condition Ratios
New York Commercial Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7142% | 4,623 |
| Cost of funding earning assets | 0.8526% | 1,109 |
| Net interest margin | 2.8616% | 5,024 |
| Noninterest income to average assets | 0.2102% | 4,706 |
| Noninterest expense to average assets | 1.8203% | 5,019 |
| Loan and lease loss provision to assets | 0.4798% | 242 |
| Net operating income to assets | 0.3577% | 5,016 |
| Return on assets (ROA) | 0.3551% | 5,019 |
| Pretax return on assets | 0.4404% | 4,984 |
| Return on Equity (ROE) | 2.0330% | 5,130 |
| Retained earnings to average equity (ytd only) | 2.0330% | 4,574 |
| Net charge-offs to loans | 0.5883% | 254 |
| Credit loss provision to net charge-offs | 106.6940% | 2,164 |
| Earnings coverage of net charge-offs (x) | 2.0534% | 3,287 |
| Efficiency ratio | 66.3462% | 2,808 |
| Assets per employee ($millions) | 18.8650% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,300 |
| Loan loss allowance to noncurrent loans | 55.6900% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.3070% | 1,038 |
| Noncurrent loans to loans | 1.5996% | 990 |
| Net loans and leases to total assets | 80.9810% | 872 |
| Net loans and leases to deposits | 99.8047% | 804 |
| Net loans and leases to core deposits | 115.4649% | 740 |
| Total domestic deposits to total assets | 81.1394% | 3,831 |
| Equity capital to assets | 17.6889% | 361 |
| Core capital (leverage) ratio | 12.3384% | 1,586 |
| Tier 1 risk-based capital ratio | 14.8895% | 2,932 |
| Total risk-based capital ratio | 15.8559% | 2,989 |
| Memoranda: | ||
| Average total assets | $3,477,159,250 | 292 |
| Average earning assets | $3,078,396,750 | 293 |
| Average equity | $607,432,500 | 213 |
| Average total loans | $2,657,630,750 | 273 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6868% | 4,616 |
| Cost of funding earning assets | 0.8096% | 1,086 |
| Net interest margin | 2.8772% | 5,047 |
| Noninterest income to average assets | 0.2060% | 4,780 |
| Noninterest expense to average assets | 1.8345% | 5,055 |
| Loan and lease loss provision to assets | 0.6102% | 168 |
| Net operating income to assets | 0.2645% | 5,169 |
| Return on assets (ROA) | 0.2615% | 5,167 |
| Pretax return on assets | 0.3069% | 5,157 |
| Return on Equity (ROE) | 1.5031% | 5,224 |
| Retained earnings to average equity (ytd only) | 1.5031% | 4,640 |
| Net charge-offs to loans | 0.7285% | 199 |
| Credit loss provision to net charge-offs | 112.1493% | 1,869 |
| Earnings coverage of net charge-offs (x) | 1.6920% | 3,037 |
| Efficiency ratio | 66.5847% | 2,881 |
| Assets per employee ($millions) | 17.8626% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 4,086 |
| Loan loss allowance to noncurrent loans | 54.2620% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 1.3991% | 990 |
| Noncurrent loans to loans | 1.7607% | 897 |
| Net loans and leases to total assets | 78.7070% | 1,203 |
| Net loans and leases to deposits | 96.7674% | 1,060 |
| Net loans and leases to core deposits | 111.2081% | 925 |
| Total domestic deposits to total assets | 81.3362% | 3,905 |
| Equity capital to assets | 18.0772% | 317 |
| Core capital (leverage) ratio | 12.0966% | 1,654 |
| Tier 1 risk-based capital ratio | 15.0381% | 2,856 |
| Total risk-based capital ratio | 16.0402% | 2,902 |
| Memoranda: | ||
| Average total assets | $3,485,449,330 | 291 |
| Average earning assets | $3,088,026,330 | 291 |
| Average equity | $606,352,330 | 208 |
| Average total loans | $2,603,232,330 | 274 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6352% | 4,627 |
| Cost of funding earning assets | 0.7912% | 984 |
| Net interest margin | 2.8440% | 5,106 |
| Noninterest income to average assets | 0.1806% | 4,948 |
| Noninterest expense to average assets | 1.7662% | 5,186 |
| Loan and lease loss provision to assets | 0.7453% | 124 |
| Net operating income to assets | 0.1771% | 5,269 |
| Return on assets (ROA) | 0.1728% | 5,268 |
| Pretax return on assets | 0.1889% | 5,271 |
| Return on Equity (ROE) | 1.0119% | 5,309 |
| Retained earnings to average equity (ytd only) | 1.0119% | 4,628 |
| Net charge-offs to loans | 0.5848% | 257 |
| Credit loss provision to net charge-offs | 175.9713% | 1,131 |
| Earnings coverage of net charge-offs (x) | 2.2169% | 2,482 |
| Efficiency ratio | 65.2904% | 3,279 |
| Assets per employee ($millions) | 18.8327% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,770 |
| Loan loss allowance to noncurrent loans | 57.0655% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3829% | 1,054 |
| Noncurrent loans to loans | 1.8079% | 922 |
| Net loans and leases to total assets | 75.7060% | 1,581 |
| Net loans and leases to deposits | 92.4459% | 1,399 |
| Net loans and leases to core deposits | 97.2265% | 1,887 |
| Total domestic deposits to total assets | 81.8923% | 3,997 |
| Equity capital to assets | 17.5668% | 351 |
| Core capital (leverage) ratio | 10.9979% | 2,443 |
| Tier 1 risk-based capital ratio | 15.6890% | 2,597 |
| Total risk-based capital ratio | 16.8128% | 2,585 |
| Memoranda: | ||
| Average total assets | $3,549,086,000 | 283 |
| Average earning assets | $3,150,522,000 | 284 |
| Average equity | $605,996,500 | 206 |
| Average total loans | $2,570,542,000 | 276 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 4,675 |
| Cost of funding earning assets | 0.6377% | 1,367 |
| Net interest margin | 2.9202% | 5,015 |
| Noninterest income to average assets | 0.2301% | 4,758 |
| Noninterest expense to average assets | 1.7641% | 5,270 |
| Loan and lease loss provision to assets | 1.6492% | 46 |
| Net operating income to assets | -0.2704% | 5,467 |
| Return on assets (ROA) | -0.2641% | 5,462 |
| Pretax return on assets | -0.6513% | 5,568 |
| Return on Equity (ROE) | -1.5916% | 5,446 |
| Retained earnings to average equity (ytd only) | -1.5916% | 5,240 |
| Net charge-offs to loans | 2.3870% | 58 |
| Credit loss provision to net charge-offs | 96.6216% | 2,672 |
| Earnings coverage of net charge-offs (x) | 0.5788% | 3,982 |
| Efficiency ratio | 64.0788% | 3,590 |
| Assets per employee ($millions) | 19.7394% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,098 |
| Loan loss allowance to noncurrent loans | 43.7056% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.5253% | 890 |
| Noncurrent loans to loans | 2.2238% | 646 |
| Net loans and leases to total assets | 67.9235% | 2,831 |
| Net loans and leases to deposits | 89.8392% | 1,795 |
| Net loans and leases to core deposits | 93.9379% | 2,202 |
| Total domestic deposits to total assets | 75.6056% | 5,023 |
| Equity capital to assets | 16.6103% | 441 |
| Core capital (leverage) ratio | 11.3659% | 2,045 |
| Tier 1 risk-based capital ratio | 15.9470% | 2,451 |
| Total risk-based capital ratio | 16.9725% | 2,483 |
| Memoranda: | ||
| Average total assets | $3,624,501,200 | 271 |
| Average earning assets | $3,130,201,800 | 275 |
| Average equity | $601,349,800 | 198 |
| Average total loans | $2,591,759,000 | 271 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 4,482 |
| Cost of funding earning assets | 0.6217% | 1,394 |
| Net interest margin | 3.0117% | 4,888 |
| Noninterest income to average assets | 0.2396% | 4,770 |
| Noninterest expense to average assets | 1.7707% | 5,304 |
| Loan and lease loss provision to assets | 2.2905% | 32 |
| Net operating income to assets | -0.6714% | 5,648 |
| Return on assets (ROA) | -0.6674% | 5,647 |
| Pretax return on assets | -1.2331% | 5,682 |
| Return on Equity (ROE) | -4.0236% | 5,625 |
| Retained earnings to average equity (ytd only) | -4.0236% | 5,519 |
| Net charge-offs to loans | 2.9478% | 44 |
| Credit loss provision to net charge-offs | 107.5594% | 2,174 |
| Earnings coverage of net charge-offs (x) | 0.4936% | 3,661 |
| Efficiency ratio | 62.7197% | 3,773 |
| Assets per employee ($millions) | 19.4351% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,776 |
| Loan loss allowance to noncurrent loans | 58.5809% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4865% | 1,028 |
| Noncurrent loans to loans | 2.0897% | 798 |
| Net loans and leases to total assets | 70.2662% | 2,517 |
| Net loans and leases to deposits | 93.4651% | 1,360 |
| Net loans and leases to core deposits | 97.8751% | 1,897 |
| Total domestic deposits to total assets | 75.1791% | 5,111 |
| Equity capital to assets | 16.9358% | 436 |
| Core capital (leverage) ratio | 11.0698% | 2,393 |
| Tier 1 risk-based capital ratio | 15.2974% | 2,794 |
| Total risk-based capital ratio | 16.5477% | 2,733 |
| Memoranda: | ||
| Average total assets | $3,617,680,750 | 272 |
| Average earning assets | $3,101,759,250 | 276 |
| Average equity | $600,044,000 | 199 |
| Average total loans | $2,613,508,250 | 269 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6887% | 4,262 |
| Cost of funding earning assets | 0.5877% | 1,528 |
| Net interest margin | 3.1010% | 4,684 |
| Noninterest income to average assets | 0.2193% | 4,941 |
| Noninterest expense to average assets | 1.7443% | 5,374 |
| Loan and lease loss provision to assets | 1.0169% | 97 |
| Net operating income to assets | 0.1010% | 5,492 |
| Return on assets (ROA) | 0.1104% | 5,487 |
| Pretax return on assets | 0.1052% | 5,508 |
| Return on Equity (ROE) | 0.6699% | 5,506 |
| Retained earnings to average equity (ytd only) | 0.6699% | 4,929 |
| Net charge-offs to loans | 1.3046% | 141 |
| Credit loss provision to net charge-offs | 107.3638% | 1,918 |
| Earnings coverage of net charge-offs (x) | 1.1749% | 3,313 |
| Efficiency ratio | 61.0145% | 4,164 |
| Assets per employee ($millions) | 19.3515% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 3,621 |
| Loan loss allowance to noncurrent loans | 47.9815% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6042% | 925 |
| Noncurrent loans to loans | 2.2784% | 704 |
| Net loans and leases to total assets | 69.6401% | 2,578 |
| Net loans and leases to deposits | 92.6163% | 1,414 |
| Net loans and leases to core deposits | 96.7831% | 1,906 |
| Total domestic deposits to total assets | 75.1921% | 5,180 |
| Equity capital to assets | 17.0045% | 404 |
| Core capital (leverage) ratio | 11.2381% | 2,191 |
| Tier 1 risk-based capital ratio | 15.3555% | 2,779 |
| Total risk-based capital ratio | 16.4653% | 2,765 |
| Memoranda: | ||
| Average total assets | $3,644,512,000 | 270 |
| Average earning assets | $3,100,087,330 | 278 |
| Average equity | $600,375,000 | 202 |
| Average total loans | $2,645,928,000 | 267 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 3,727 |
| Cost of funding earning assets | 0.5629% | 1,632 |
| Net interest margin | 3.2480% | 4,189 |
| Noninterest income to average assets | 0.2304% | 4,897 |
| Noninterest expense to average assets | 1.7469% | 5,431 |
| Loan and lease loss provision to assets | 0.5898% | 166 |
| Net operating income to assets | 0.3927% | 4,960 |
| Return on assets (ROA) | 0.3927% | 4,986 |
| Pretax return on assets | 0.5996% | 4,734 |
| Return on Equity (ROE) | 2.4221% | 5,255 |
| Retained earnings to average equity (ytd only) | 2.4221% | 4,179 |
| Net charge-offs to loans | 0.8578% | 198 |
| Credit loss provision to net charge-offs | 93.3207% | 1,668 |
| Earnings coverage of net charge-offs (x) | 1.8819% | 2,667 |
| Efficiency ratio | 59.4561% | 4,534 |
| Assets per employee ($millions) | 19.5883% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 4,386 |
| Loan loss allowance to noncurrent loans | 72.6651% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 0.9892% | 1,848 |
| Noncurrent loans to loans | 1.3506% | 1,496 |
| Net loans and leases to total assets | 72.5252% | 1,999 |
| Net loans and leases to deposits | 95.9682% | 936 |
| Net loans and leases to core deposits | 99.7872% | 1,519 |
| Total domestic deposits to total assets | 75.5721% | 5,275 |
| Equity capital to assets | 16.4560% | 435 |
| Core capital (leverage) ratio | 10.8164% | 2,582 |
| Tier 1 risk-based capital ratio | 14.8975% | 3,014 |
| Total risk-based capital ratio | 15.9387% | 3,047 |
| Memoranda: | ||
| Average total assets | $3,667,080,500 | 270 |
| Average earning assets | $3,055,049,500 | 284 |
| Average equity | $594,535,000 | 201 |
| Average total loans | $2,701,734,500 | 261 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 4,045 |
| Cost of funding earning assets | 0.5535% | 1,657 |
| Net interest margin | 3.1995% | 4,453 |
| Noninterest income to average assets | 0.2412% | 4,979 |
| Noninterest expense to average assets | 1.5845% | 5,657 |
| Loan and lease loss provision to assets | 0.3241% | 559 |
| Net operating income to assets | 0.6787% | 3,876 |
| Return on assets (ROA) | 0.6787% | 3,992 |
| Pretax return on assets | 1.0598% | 3,264 |
| Return on Equity (ROE) | 4.3152% | 4,728 |
| Retained earnings to average equity (ytd only) | -2.2931% | 5,554 |
| Net charge-offs to loans | 0.0624% | 2,812 |
| Credit loss provision to net charge-offs | 705.8857% | 507 |
| Earnings coverage of net charge-offs (x) | 30.1398% | 1,430 |
| Efficiency ratio | 53.1225% | 5,305 |
| Assets per employee ($millions) | 19.8413% | 46 |
| Cash dividends to net income (ytd only)* | 153.1394% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 4,521 |
| Loan loss allowance to noncurrent loans | 88.4883% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 0.8052% | 2,339 |
| Noncurrent loans to loans | 1.0866% | 1,919 |
| Net loans and leases to total assets | 73.3842% | 1,947 |
| Net loans and leases to deposits | 102.7657% | 482 |
| Net loans and leases to core deposits | 106.7360% | 1,082 |
| Total domestic deposits to total assets | 71.4092% | 5,598 |
| Equity capital to assets | 15.9751% | 500 |
| Core capital (leverage) ratio | 10.5305% | 2,850 |
| Tier 1 risk-based capital ratio | 14.1404% | 3,387 |
| Total risk-based capital ratio | 15.1532% | 3,434 |
| Memoranda: | ||
| Average total assets | $3,848,267,200 | 246 |
| Average earning assets | $3,280,305,200 | 264 |
| Average equity | $605,303,600 | 191 |
| Average total loans | $2,830,523,000 | 236 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,040 |
| Cost of funding earning assets | 0.5496% | 1,693 |
| Net interest margin | 3.2135% | 4,455 |
| Noninterest income to average assets | 0.2537% | 4,944 |
| Noninterest expense to average assets | 1.5843% | 5,699 |
| Loan and lease loss provision to assets | 0.2733% | 647 |
| Net operating income to assets | 0.7334% | 3,679 |
| Return on assets (ROA) | 0.7334% | 3,815 |
| Pretax return on assets | 1.1453% | 3,065 |
| Return on Equity (ROE) | 4.6800% | 4,652 |
| Retained earnings to average equity (ytd only) | -4.0853% | 5,698 |
| Net charge-offs to loans | -0.0212% | 5,024 |
| Credit loss provision to net charge-offs | -1,756.9536% | 5,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4340% | 5,354 |
| Assets per employee ($millions) | 20.1041% | 45 |
| Cash dividends to net income (ytd only)* | 187.2922% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,995 |
| Loan loss allowance to noncurrent loans | 130.9821% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4904% | 3,480 |
| Noncurrent loans to loans | 0.6592% | 3,050 |
| Net loans and leases to total assets | 72.9403% | 2,028 |
| Net loans and leases to deposits | 105.2225% | 403 |
| Net loans and leases to core deposits | 109.1036% | 976 |
| Total domestic deposits to total assets | 69.3201% | 5,730 |
| Equity capital to assets | 15.4826% | 632 |
| Core capital (leverage) ratio | 10.2644% | 3,263 |
| Tier 1 risk-based capital ratio | 13.3120% | 3,972 |
| Total risk-based capital ratio | 14.1946% | 4,104 |
| Memoranda: | ||
| Average total assets | $3,882,751,000 | 240 |
| Average earning assets | $3,321,859,750 | 255 |
| Average equity | $608,446,750 | 191 |
| Average total loans | $2,850,845,750 | 235 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 3,896 |
| Cost of funding earning assets | 0.5472% | 1,719 |
| Net interest margin | 3.2692% | 4,328 |
| Noninterest income to average assets | 0.2822% | 4,767 |
| Noninterest expense to average assets | 1.5704% | 5,784 |
| Loan and lease loss provision to assets | 0.1657% | 1,355 |
| Net operating income to assets | 0.8673% | 3,019 |
| Return on assets (ROA) | 0.8673% | 3,134 |
| Pretax return on assets | 1.3573% | 2,179 |
| Return on Equity (ROE) | 5.5133% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.5133% | 2,413 |
| Net charge-offs to loans | -0.0119% | 4,754 |
| Credit loss provision to net charge-offs | -1,894.1520% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3199% | 5,543 |
| Assets per employee ($millions) | 19.8849% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 5,567 |
| Loan loss allowance to noncurrent loans | 110.2737% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 3,693 |
| Noncurrent loans to loans | 0.6121% | 3,236 |
| Net loans and leases to total assets | 73.7655% | 1,887 |
| Net loans and leases to deposits | 112.6718% | 199 |
| Net loans and leases to core deposits | 116.9757% | 611 |
| Total domestic deposits to total assets | 65.4693% | 5,903 |
| Equity capital to assets | 16.3413% | 499 |
| Core capital (leverage) ratio | 11.1345% | 2,295 |
| Tier 1 risk-based capital ratio | 14.8936% | 3,123 |
| Total risk-based capital ratio | 15.6080% | 3,320 |
| Memoranda: | ||
| Average total assets | $3,910,444,670 | 235 |
| Average earning assets | $3,362,530,330 | 254 |
| Average equity | $615,166,000 | 190 |
| Average total loans | $2,869,250,670 | 238 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6613% | 4,446 |
| Cost of funding earning assets | 0.5541% | 1,667 |
| Net interest margin | 3.1072% | 4,839 |
| Noninterest income to average assets | 0.3074% | 4,527 |
| Noninterest expense to average assets | 1.5583% | 5,861 |
| Loan and lease loss provision to assets | 0.2383% | 762 |
| Net operating income to assets | 0.7856% | 3,315 |
| Return on assets (ROA) | 0.7856% | 3,426 |
| Pretax return on assets | 1.1945% | 2,727 |
| Return on Equity (ROE) | 5.0891% | 4,438 |
| Retained earnings to average equity (ytd only) | 5.0891% | 2,880 |
| Net charge-offs to loans | -0.0004% | 4,062 |
| Credit loss provision to net charge-offs | -78,566.6667% | 5,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4449% | 5,545 |
| Assets per employee ($millions) | 20.1980% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6276% | 5,709 |
| Loan loss allowance to noncurrent loans | 109.7839% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 3,896 |
| Noncurrent loans to loans | 0.5717% | 3,477 |
| Net loans and leases to total assets | 73.8515% | 1,748 |
| Net loans and leases to deposits | 113.0459% | 165 |
| Net loans and leases to core deposits | 117.3349% | 558 |
| Total domestic deposits to total assets | 65.3288% | 5,979 |
| Equity capital to assets | 15.8508% | 551 |
| Core capital (leverage) ratio | 10.4588% | 3,013 |
| Tier 1 risk-based capital ratio | 14.7617% | 3,259 |
| Total risk-based capital ratio | 15.4470% | 3,500 |
| Memoranda: | ||
| Average total assets | $3,956,720,000 | 236 |
| Average earning assets | $3,417,344,000 | 250 |
| Average equity | $610,801,500 | 189 |
| Average total loans | $2,886,163,500 | 232 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 4,154 |
| Cost of funding earning assets | 0.5412% | 1,833 |
| Net interest margin | 3.2216% | 4,551 |
| Noninterest income to average assets | 0.2158% | 5,301 |
| Noninterest expense to average assets | 1.5936% | 5,923 |
| Loan and lease loss provision to assets | -0.0097% | 5,623 |
| Net operating income to assets | 0.8922% | 2,917 |
| Return on assets (ROA) | 0.8960% | 2,974 |
| Pretax return on assets | 1.4597% | 1,682 |
| Return on Equity (ROE) | 6.3352% | 3,884 |
| Retained earnings to average equity (ytd only) | 3.0130% | 3,913 |
| Net charge-offs to loans | -0.1433% | 5,883 |
| Credit loss provision to net charge-offs | 9.7147% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5239% | 5,664 |
| Assets per employee ($millions) | 20.4844% | 47 |
| Cash dividends to net income (ytd only)* | 52.4398% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5442% | 5,880 |
| Loan loss allowance to noncurrent loans | 131.9463% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2954% | 4,416 |
| Noncurrent loans to loans | 0.4124% | 3,971 |
| Net loans and leases to total assets | 71.2326% | 2,163 |
| Net loans and leases to deposits | 110.2536% | 235 |
| Net loans and leases to core deposits | 113.6859% | 697 |
| Total domestic deposits to total assets | 64.6079% | 6,040 |
| Equity capital to assets | 15.0394% | 661 |
| Core capital (leverage) ratio | 10.0118% | 3,490 |
| Tier 1 risk-based capital ratio | 14.1544% | 3,634 |
| Total risk-based capital ratio | 14.7378% | 3,954 |
| Memoranda: | ||
| Average total assets | $4,256,802,400 | 216 |
| Average earning assets | $3,728,660,200 | 217 |
| Average equity | $602,019,400 | 186 |
| Average total loans | $2,960,391,200 | 216 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,129 |
| Cost of funding earning assets | 0.5417% | 1,873 |
| Net interest margin | 3.2467% | 4,538 |
| Noninterest income to average assets | 0.2182% | 5,353 |
| Noninterest expense to average assets | 1.3459% | 6,129 |
| Loan and lease loss provision to assets | 0.0402% | 3,410 |
| Net operating income to assets | 1.0239% | 2,361 |
| Return on assets (ROA) | 1.0239% | 2,447 |
| Pretax return on assets | 1.6846% | 1,149 |
| Return on Equity (ROE) | 7.3492% | 3,438 |
| Retained earnings to average equity (ytd only) | 5.1299% | 2,819 |
| Net charge-offs to loans | -0.1586% | 5,934 |
| Credit loss provision to net charge-offs | -36.6921% | 4,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8523% | 6,065 |
| Assets per employee ($millions) | 23.1934% | 39 |
| Cash dividends to net income (ytd only)* | 30.1969% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5646% | 5,945 |
| Loan loss allowance to noncurrent loans | 147.7148% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.2656% | 4,705 |
| Noncurrent loans to loans | 0.3822% | 4,241 |
| Net loans and leases to total assets | 69.0887% | 2,524 |
| Net loans and leases to deposits | 106.8650% | 337 |
| Net loans and leases to core deposits | 110.4279% | 856 |
| Total domestic deposits to total assets | 64.6504% | 6,118 |
| Equity capital to assets | 14.3436% | 903 |
| Core capital (leverage) ratio | 9.6602% | 4,089 |
| Tier 1 risk-based capital ratio | 13.3131% | 4,242 |
| Total risk-based capital ratio | 13.8900% | 4,563 |
| Memoranda: | ||
| Average total assets | $4,312,147,500 | 219 |
| Average earning assets | $3,788,630,250 | 217 |
| Average equity | $600,798,000 | 187 |
| Average total loans | $2,977,923,250 | 215 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 3,926 |
| Cost of funding earning assets | 0.5277% | 2,007 |
| Net interest margin | 3.3111% | 4,262 |
| Noninterest income to average assets | 0.2086% | 5,436 |
| Noninterest expense to average assets | 1.3463% | 6,200 |
| Loan and lease loss provision to assets | 0.0984% | 2,179 |
| Net operating income to assets | 1.0227% | 2,278 |
| Return on assets (ROA) | 1.0227% | 2,392 |
| Pretax return on assets | 1.6822% | 1,113 |
| Return on Equity (ROE) | 7.4124% | 3,365 |
| Retained earnings to average equity (ytd only) | 5.7375% | 2,391 |
| Net charge-offs to loans | -0.0444% | 5,501 |
| Credit loss provision to net charge-offs | -321.4502% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9772% | 6,171 |
| Assets per employee ($millions) | 24.3122% | 39 |
| Cash dividends to net income (ytd only)* | 22.5968% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4956% | 6,090 |
| Loan loss allowance to noncurrent loans | 135.4482% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 4,847 |
| Noncurrent loans to loans | 0.3659% | 4,398 |
| Net loans and leases to total assets | 68.9117% | 2,499 |
| Net loans and leases to deposits | 106.6888% | 352 |
| Net loans and leases to core deposits | 110.0117% | 833 |
| Total domestic deposits to total assets | 64.5913% | 6,196 |
| Equity capital to assets | 14.1647% | 929 |
| Core capital (leverage) ratio | 9.3440% | 4,496 |
| Tier 1 risk-based capital ratio | 12.7736% | 4,639 |
| Total risk-based capital ratio | 13.2671% | 5,038 |
| Memoranda: | ||
| Average total assets | $4,327,000,330 | 220 |
| Average earning assets | $3,813,776,670 | 219 |
| Average equity | $597,022,670 | 190 |
| Average total loans | $2,982,176,330 | 216 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 3,702 |
| Cost of funding earning assets | 0.5025% | 2,263 |
| Net interest margin | 3.3770% | 3,927 |
| Noninterest income to average assets | 0.2041% | 5,494 |
| Noninterest expense to average assets | 1.3261% | 6,269 |
| Loan and lease loss provision to assets | 0.0939% | 2,123 |
| Net operating income to assets | 1.1002% | 1,871 |
| Return on assets (ROA) | 1.1002% | 1,980 |
| Pretax return on assets | 1.7737% | 910 |
| Return on Equity (ROE) | 8.0799% | 2,920 |
| Retained earnings to average equity (ytd only) | 4.7043% | 3,212 |
| Net charge-offs to loans | 0.0419% | 2,397 |
| Credit loss provision to net charge-offs | 326.1981% | 769 |
| Earnings coverage of net charge-offs (x) | 64.9042% | 685 |
| Efficiency ratio | 40.3051% | 6,264 |
| Assets per employee ($millions) | 24.0471% | 42 |
| Cash dividends to net income (ytd only)* | 41.7781% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4160% | 6,230 |
| Loan loss allowance to noncurrent loans | 119.3393% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2769% | 4,839 |
| Noncurrent loans to loans | 0.3486% | 4,545 |
| Net loans and leases to total assets | 69.3439% | 2,230 |
| Net loans and leases to deposits | 106.1871% | 309 |
| Net loans and leases to core deposits | 109.0459% | 788 |
| Total domestic deposits to total assets | 65.3035% | 6,250 |
| Equity capital to assets | 13.6927% | 1,092 |
| Core capital (leverage) ratio | 9.0084% | 4,939 |
| Tier 1 risk-based capital ratio | 11.8745% | 5,323 |
| Total risk-based capital ratio | 12.2803% | 5,724 |
| Memoranda: | ||
| Average total assets | $4,351,023,500 | 217 |
| Average earning assets | $3,851,993,000 | 217 |
| Average equity | $592,482,500 | 189 |
| Average total loans | $2,991,571,500 | 212 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5631% | 5,181 |
| Cost of funding earning assets | 0.4889% | 2,783 |
| Net interest margin | 3.0742% | 5,270 |
| Noninterest income to average assets | 0.2484% | 5,349 |
| Noninterest expense to average assets | 1.4309% | 6,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9694% | 2,530 |
| Return on assets (ROA) | 0.9832% | 2,543 |
| Pretax return on assets | 1.5679% | 1,326 |
| Return on Equity (ROE) | 6.5463% | 3,873 |
| Retained earnings to average equity (ytd only) | 1.4561% | 5,114 |
| Net charge-offs to loans | -0.0104% | 5,569 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2395% | 6,259 |
| Assets per employee ($millions) | 23.7679% | 42 |
| Cash dividends to net income (ytd only)* | 77.7565% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4030% | 6,322 |
| Loan loss allowance to noncurrent loans | 96.6534% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 4,777 |
| Noncurrent loans to loans | 0.4170% | 4,392 |
| Net loans and leases to total assets | 67.6035% | 2,624 |
| Net loans and leases to deposits | 111.5711% | 204 |
| Net loans and leases to core deposits | 115.4011% | 543 |
| Total domestic deposits to total assets | 60.5923% | 6,398 |
| Equity capital to assets | 13.5414% | 1,146 |
| Core capital (leverage) ratio | 9.2536% | 4,598 |
| Tier 1 risk-based capital ratio | 12.0771% | 5,311 |
| Total risk-based capital ratio | 12.4728% | 5,733 |
| Memoranda: | ||
| Average total assets | $3,924,177,200 | 219 |
| Average earning assets | $3,483,346,200 | 220 |
| Average equity | $589,371,600 | 181 |
| Average total loans | $2,550,140,800 | 225 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5507% | 5,269 |
| Cost of funding earning assets | 0.4879% | 2,883 |
| Net interest margin | 3.0628% | 5,355 |
| Noninterest income to average assets | 0.2632% | 5,326 |
| Noninterest expense to average assets | 1.4443% | 6,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9670% | 2,611 |
| Return on assets (ROA) | 0.9670% | 2,678 |
| Pretax return on assets | 1.5379% | 1,517 |
| Return on Equity (ROE) | 6.2629% | 4,100 |
| Retained earnings to average equity (ytd only) | 2.8701% | 4,559 |
| Net charge-offs to loans | -0.0007% | 5,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4869% | 6,272 |
| Assets per employee ($millions) | 22.1709% | 43 |
| Cash dividends to net income (ytd only)* | 54.1731% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 6,388 |
| Loan loss allowance to noncurrent loans | 91.0000% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 4,855 |
| Noncurrent loans to loans | 0.4687% | 4,503 |
| Net loans and leases to total assets | 66.6526% | 2,747 |
| Net loans and leases to deposits | 95.0954% | 951 |
| Net loans and leases to core deposits | 98.1220% | 1,520 |
| Total domestic deposits to total assets | 70.0903% | 6,282 |
| Equity capital to assets | 14.5497% | 842 |
| Core capital (leverage) ratio | 10.0592% | 3,585 |
| Tier 1 risk-based capital ratio | 13.2451% | 4,698 |
| Total risk-based capital ratio | 13.6653% | 5,147 |
| Memoranda: | ||
| Average total assets | $3,817,839,250 | 220 |
| Average earning assets | $3,389,277,500 | 222 |
| Average equity | $589,468,000 | 181 |
| Average total loans | $2,449,593,250 | 229 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5632% | 5,252 |
| Cost of funding earning assets | 0.4882% | 2,944 |
| Net interest margin | 3.0750% | 5,334 |
| Noninterest income to average assets | 0.2783% | 5,203 |
| Noninterest expense to average assets | 1.4433% | 6,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9769% | 2,427 |
| Return on assets (ROA) | 0.9769% | 2,505 |
| Pretax return on assets | 1.5562% | 1,375 |
| Return on Equity (ROE) | 6.1968% | 4,051 |
| Retained earnings to average equity (ytd only) | 4.4964% | 3,313 |
| Net charge-offs to loans | 0.0037% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 659.7273% | 106 |
| Efficiency ratio | 45.9938% | 6,366 |
| Assets per employee ($millions) | 18.6066% | 52 |
| Cash dividends to net income (ytd only)* | 27.4394% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4699% | 6,445 |
| Loan loss allowance to noncurrent loans | 86.5000% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3976% | 4,819 |
| Noncurrent loans to loans | 0.5432% | 4,378 |
| Net loans and leases to total assets | 64.3700% | 3,019 |
| Net loans and leases to deposits | 87.9803% | 1,601 |
| Net loans and leases to core deposits | 91.1301% | 2,016 |
| Total domestic deposits to total assets | 73.1641% | 6,175 |
| Equity capital to assets | 15.5778% | 606 |
| Core capital (leverage) ratio | 10.5929% | 2,832 |
| Tier 1 risk-based capital ratio | 14.5210% | 3,916 |
| Total risk-based capital ratio | 14.9794% | 4,375 |
| Memoranda: | ||
| Average total assets | $3,730,640,000 | 224 |
| Average earning assets | $3,301,384,670 | 222 |
| Average equity | $588,109,330 | 177 |
| Average total loans | $2,355,891,330 | 232 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4985% | 5,430 |
| Cost of funding earning assets | 0.4844% | 3,066 |
| Net interest margin | 3.0141% | 5,488 |
| Noninterest income to average assets | 0.2905% | 5,050 |
| Noninterest expense to average assets | 1.4731% | 6,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9302% | 2,508 |
| Return on assets (ROA) | 0.9302% | 2,580 |
| Pretax return on assets | 1.4784% | 1,492 |
| Return on Equity (ROE) | 5.8646% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.8646% | 2,614 |
| Net charge-offs to loans | 0.1617% | 1,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.6602% | 1,591 |
| Efficiency ratio | 47.5109% | 6,375 |
| Assets per employee ($millions) | 17.5861% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4568% | 6,529 |
| Loan loss allowance to noncurrent loans | 73.4376% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 4,960 |
| Noncurrent loans to loans | 0.6220% | 4,307 |
| Net loans and leases to total assets | 63.1689% | 3,042 |
| Net loans and leases to deposits | 85.9407% | 1,611 |
| Net loans and leases to core deposits | 88.8897% | 2,010 |
| Total domestic deposits to total assets | 73.5029% | 6,278 |
| Equity capital to assets | 15.9591% | 535 |
| Core capital (leverage) ratio | 10.8236% | 2,567 |
| Tier 1 risk-based capital ratio | 14.6896% | 3,890 |
| Total risk-based capital ratio | 15.1230% | 4,369 |
| Memoranda: | ||
| Average total assets | $3,688,784,500 | 224 |
| Average earning assets | $3,256,678,500 | 226 |
| Average equity | $585,067,500 | 177 |
| Average total loans | $2,300,392,500 | 238 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6933% | 5,155 |
| Cost of funding earning assets | 0.5932% | 2,729 |
| Net interest margin | 3.1002% | 5,314 |
| Noninterest income to average assets | 0.2923% | 5,259 |
| Noninterest expense to average assets | 1.6271% | 6,503 |
| Loan and lease loss provision to assets | 0.1462% | 2,469 |
| Net operating income to assets | 0.7824% | 3,379 |
| Return on assets (ROA) | 0.7934% | 3,422 |
| Pretax return on assets | 1.2437% | 2,399 |
| Return on Equity (ROE) | 4.6889% | 4,785 |
| Retained earnings to average equity (ytd only) | 1.2330% | 5,275 |
| Net charge-offs to loans | 0.2816% | 2,288 |
| Credit loss provision to net charge-offs | 88.1057% | 2,817 |
| Earnings coverage of net charge-offs (x) | 8.2728% | 2,696 |
| Efficiency ratio | 51.2686% | 6,347 |
| Assets per employee ($millions) | 16.5968% | 61 |
| Cash dividends to net income (ytd only)* | 73.7028% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5155% | 6,558 |
| Loan loss allowance to noncurrent loans | 80.0978% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 5,027 |
| Noncurrent loans to loans | 0.6435% | 4,370 |
| Net loans and leases to total assets | 60.9465% | 3,546 |
| Net loans and leases to deposits | 86.1025% | 1,673 |
| Net loans and leases to core deposits | 89.3104% | 2,107 |
| Total domestic deposits to total assets | 70.7837% | 6,487 |
| Equity capital to assets | 15.7621% | 566 |
| Core capital (leverage) ratio | 11.4892% | 1,969 |
| Tier 1 risk-based capital ratio | 14.8424% | 3,756 |
| Total risk-based capital ratio | 15.3304% | 4,185 |
| Memoranda: | ||
| Average total assets | $3,420,147,800 | 227 |
| Average earning assets | $2,986,972,000 | 231 |
| Average equity | $578,730,800 | 178 |
| Average total loans | $2,014,951,400 | 252 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 4,990 |
| Cost of funding earning assets | 0.6305% | 2,543 |
| Net interest margin | 3.1324% | 5,225 |
| Noninterest income to average assets | 0.2993% | 5,305 |
| Noninterest expense to average assets | 1.6641% | 6,504 |
| Loan and lease loss provision to assets | 0.1988% | 1,826 |
| Net operating income to assets | 0.7465% | 3,619 |
| Return on assets (ROA) | 0.7615% | 3,679 |
| Pretax return on assets | 1.1887% | 2,751 |
| Return on Equity (ROE) | 4.4171% | 5,017 |
| Retained earnings to average equity (ytd only) | 2.1112% | 5,054 |
| Net charge-offs to loans | 0.3946% | 1,625 |
| Credit loss provision to net charge-offs | 86.4454% | 2,702 |
| Earnings coverage of net charge-offs (x) | 5.9327% | 3,070 |
| Efficiency ratio | 51.8693% | 6,263 |
| Assets per employee ($millions) | 15.2395% | 83 |
| Cash dividends to net income (ytd only)* | 52.2030% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5647% | 6,605 |
| Loan loss allowance to noncurrent loans | 56.8567% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 4,561 |
| Noncurrent loans to loans | 0.9932% | 3,821 |
| Net loans and leases to total assets | 60.8113% | 3,559 |
| Net loans and leases to deposits | 82.8624% | 2,018 |
| Net loans and leases to core deposits | 85.7320% | 2,440 |
| Total domestic deposits to total assets | 73.3883% | 6,408 |
| Equity capital to assets | 17.4652% | 369 |
| Core capital (leverage) ratio | 11.3134% | 2,186 |
| Tier 1 risk-based capital ratio | 16.4505% | 2,960 |
| Total risk-based capital ratio | 16.9849% | 3,285 |
| Memoranda: | ||
| Average total assets | $3,354,063,500 | 226 |
| Average earning assets | $2,922,037,750 | 230 |
| Average equity | $578,225,750 | 174 |
| Average total loans | $1,954,389,000 | 258 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7460% | 5,000 |
| Cost of funding earning assets | 0.6446% | 2,545 |
| Net interest margin | 3.1013% | 5,275 |
| Noninterest income to average assets | 0.2910% | 5,374 |
| Noninterest expense to average assets | 1.6344% | 6,562 |
| Loan and lease loss provision to assets | 0.2977% | 1,217 |
| Net operating income to assets | 0.6806% | 3,902 |
| Return on assets (ROA) | 0.7031% | 3,965 |
| Pretax return on assets | 1.0907% | 3,128 |
| Return on Equity (ROE) | 4.0959% | 5,179 |
| Retained earnings to average equity (ytd only) | 0.6277% | 5,647 |
| Net charge-offs to loans | 0.5862% | 1,128 |
| Credit loss provision to net charge-offs | 88.5897% | 2,474 |
| Earnings coverage of net charge-offs (x) | 4.0276% | 3,233 |
| Efficiency ratio | 51.4197% | 6,317 |
| Assets per employee ($millions) | 15.6391% | 74 |
| Cash dividends to net income (ytd only)* | 84.6740% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5922% | 6,624 |
| Loan loss allowance to noncurrent loans | 76.4683% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 5,083 |
| Noncurrent loans to loans | 0.7745% | 4,370 |
| Net loans and leases to total assets | 58.2384% | 3,946 |
| Net loans and leases to deposits | 83.6479% | 1,847 |
| Net loans and leases to core deposits | 86.6064% | 2,274 |
| Total domestic deposits to total assets | 69.6233% | 6,670 |
| Equity capital to assets | 17.1172% | 405 |
| Core capital (leverage) ratio | 10.9535% | 2,405 |
| Tier 1 risk-based capital ratio | 16.4404% | 2,963 |
| Total risk-based capital ratio | 16.9934% | 3,288 |
| Memoranda: | ||
| Average total assets | $3,359,604,330 | 225 |
| Average earning assets | $2,921,280,330 | 229 |
| Average equity | $576,671,000 | 173 |
| Average total loans | $1,925,496,330 | 260 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 4,735 |
| Cost of funding earning assets | 0.6127% | 2,986 |
| Net interest margin | 3.2123% | 4,888 |
| Noninterest income to average assets | 0.2718% | 5,510 |
| Noninterest expense to average assets | 1.6616% | 6,612 |
| Loan and lease loss provision to assets | 0.4764% | 573 |
| Net operating income to assets | 0.5957% | 4,241 |
| Return on assets (ROA) | 0.6413% | 4,172 |
| Pretax return on assets | 0.9935% | 3,382 |
| Return on Equity (ROE) | 3.7309% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.7309% | 3,993 |
| Net charge-offs to loans | 1.0905% | 551 |
| Credit loss provision to net charge-offs | 77.0861% | 2,195 |
| Earnings coverage of net charge-offs (x) | 2.2648% | 3,088 |
| Efficiency ratio | 50.8443% | 6,447 |
| Assets per employee ($millions) | 17.1020% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5718% | 6,737 |
| Loan loss allowance to noncurrent loans | 62.3130% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 5,036 |
| Noncurrent loans to loans | 0.9176% | 4,300 |
| Net loans and leases to total assets | 56.2591% | 4,048 |
| Net loans and leases to deposits | 82.7324% | 1,742 |
| Net loans and leases to core deposits | 85.3883% | 2,169 |
| Total domestic deposits to total assets | 68.0013% | 6,807 |
| Equity capital to assets | 16.8636% | 439 |
| Core capital (leverage) ratio | 11.2642% | 2,045 |
| Tier 1 risk-based capital ratio | 16.5273% | 2,988 |
| Total risk-based capital ratio | 17.0545% | 3,329 |
| Memoranda: | ||
| Average total assets | $3,358,198,500 | 228 |
| Average earning assets | $2,916,292,500 | 232 |
| Average equity | $577,230,000 | 177 |
| Average total loans | $1,903,302,500 | 264 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 4,783 |
| Cost of funding earning assets | 0.6435% | 3,975 |
| Net interest margin | 3.5035% | 4,489 |
| Noninterest income to average assets | 0.3321% | 5,078 |
| Noninterest expense to average assets | 1.9085% | 6,482 |
| Loan and lease loss provision to assets | 0.0856% | 4,634 |
| Net operating income to assets | 0.8483% | 3,055 |
| Return on assets (ROA) | 0.8483% | 3,305 |
| Pretax return on assets | 1.3389% | 2,261 |
| Return on Equity (ROE) | 4.3763% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.4932% | 3,759 |
| Net charge-offs to loans | 0.1535% | 4,164 |
| Credit loss provision to net charge-offs | 93.9850% | 3,317 |
| Earnings coverage of net charge-offs (x) | 15.6417% | 1,638 |
| Efficiency ratio | 53.1839% | 6,360 |
| Assets per employee ($millions) | 16.6442% | 73 |
| Cash dividends to net income (ytd only)* | 20.1808% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 6,685 |
| Loan loss allowance to noncurrent loans | 43.1975% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8978% | 4,250 |
| Noncurrent loans to loans | 1.5308% | 3,311 |
| Net loans and leases to total assets | 56.3991% | 4,223 |
| Net loans and leases to deposits | 86.4930% | 1,449 |
| Net loans and leases to core deposits | 90.1048% | 1,823 |
| Total domestic deposits to total assets | 65.2065% | 6,911 |
| Equity capital to assets | 17.5295% | 362 |
| Core capital (leverage) ratio | 11.5876% | 1,814 |
| Tier 1 risk-based capital ratio | 16.6388% | 2,818 |
| Total risk-based capital ratio | 17.2363% | 3,123 |
| Memoranda: | ||
| Average total assets | $2,920,744,800 | 253 |
| Average earning assets | $2,501,736,200 | 262 |
| Average equity | $566,136,000 | 178 |
| Average total loans | $1,732,951,200 | 273 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1534% | 4,973 |
| Cost of funding earning assets | 0.6445% | 4,238 |
| Net interest margin | 3.5089% | 4,608 |
| Noninterest income to average assets | 0.3483% | 5,031 |
| Noninterest expense to average assets | 1.9584% | 6,428 |
| Loan and lease loss provision to assets | 0.1177% | 4,078 |
| Net operating income to assets | 0.8090% | 3,405 |
| Return on assets (ROA) | 0.8090% | 3,647 |
| Pretax return on assets | 1.2659% | 2,727 |
| Return on Equity (ROE) | 4.0611% | 5,261 |
| Retained earnings to average equity (ytd only) | 4.0611% | 4,030 |
| Net charge-offs to loans | 0.2165% | 3,427 |
| Credit loss provision to net charge-offs | 90.5141% | 3,275 |
| Earnings coverage of net charge-offs (x) | 10.6376% | 2,167 |
| Efficiency ratio | 54.3147% | 6,221 |
| Assets per employee ($millions) | 16.0361% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6810% | 6,774 |
| Loan loss allowance to noncurrent loans | 42.5114% | 5,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9484% | 4,388 |
| Noncurrent loans to loans | 1.6020% | 3,387 |
| Net loans and leases to total assets | 56.9354% | 4,308 |
| Net loans and leases to deposits | 87.8242% | 1,374 |
| Net loans and leases to core deposits | 91.7531% | 1,808 |
| Total domestic deposits to total assets | 64.8288% | 6,998 |
| Equity capital to assets | 18.3007% | 340 |
| Core capital (leverage) ratio | 13.6109% | 978 |
| Tier 1 risk-based capital ratio | 16.8472% | 2,810 |
| Total risk-based capital ratio | 17.4535% | 3,137 |
| Memoranda: | ||
| Average total assets | $2,831,205,500 | 257 |
| Average earning assets | $2,415,470,000 | 270 |
| Average equity | $563,976,000 | 181 |
| Average total loans | $1,700,793,750 | 276 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 4,090 |
| Cost of funding earning assets | 0.6728% | 4,245 |
| Net interest margin | 3.7514% | 3,584 |
| Noninterest income to average assets | 0.3690% | 4,880 |
| Noninterest expense to average assets | 2.0362% | 6,362 |
| Loan and lease loss provision to assets | 0.0732% | 4,713 |
| Net operating income to assets | 0.9162% | 2,830 |
| Return on assets (ROA) | 0.9162% | 3,092 |
| Pretax return on assets | 1.4409% | 2,049 |
| Return on Equity (ROE) | 4.4611% | 5,056 |
| Retained earnings to average equity (ytd only) | 4.4611% | 3,636 |
| Net charge-offs to loans | 0.0468% | 4,738 |
| Credit loss provision to net charge-offs | 255.7545% | 1,121 |
| Earnings coverage of net charge-offs (x) | 52.9079% | 698 |
| Efficiency ratio | 53.0078% | 6,416 |
| Assets per employee ($millions) | 14.3533% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 6,788 |
| Loan loss allowance to noncurrent loans | 96.5169% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 5,473 |
| Noncurrent loans to loans | 0.7577% | 4,997 |
| Net loans and leases to total assets | 63.1035% | 3,215 |
| Net loans and leases to deposits | 91.7472% | 976 |
| Net loans and leases to core deposits | 96.1977% | 1,412 |
| Total domestic deposits to total assets | 68.7798% | 6,961 |
| Equity capital to assets | 20.1728% | 227 |
| Core capital (leverage) ratio | 13.2985% | 1,054 |
| Tier 1 risk-based capital ratio | 16.7743% | 2,775 |
| Total risk-based capital ratio | 17.4305% | 3,039 |
| Memoranda: | ||
| Average total assets | $2,732,595,000 | 267 |
| Average earning assets | $2,317,364,670 | 280 |
| Average equity | $561,211,670 | 180 |
| Average total loans | $1,670,192,330 | 279 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 3,970 |
| Cost of funding earning assets | 0.6803% | 4,463 |
| Net interest margin | 3.8077% | 3,359 |
| Noninterest income to average assets | 0.3876% | 4,765 |
| Noninterest expense to average assets | 2.1409% | 6,175 |
| Loan and lease loss provision to assets | 0.1486% | 3,504 |
| Net operating income to assets | 0.8632% | 3,086 |
| Return on assets (ROA) | 0.8632% | 3,321 |
| Pretax return on assets | 1.3162% | 2,485 |
| Return on Equity (ROE) | 4.1644% | 5,218 |
| Retained earnings to average equity (ytd only) | 4.1644% | 4,094 |
| Net charge-offs to loans | 0.1470% | 3,217 |
| Credit loss provision to net charge-offs | 168.9189% | 1,514 |
| Earnings coverage of net charge-offs (x) | 16.6537% | 1,346 |
| Efficiency ratio | 54.7942% | 6,257 |
| Assets per employee ($millions) | 14.5039% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 6,757 |
| Loan loss allowance to noncurrent loans | 90.5371% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.5447% | 5,513 |
| Noncurrent loans to loans | 0.8738% | 4,923 |
| Net loans and leases to total assets | 57.6916% | 4,089 |
| Net loans and leases to deposits | 80.9439% | 2,066 |
| Net loans and leases to core deposits | 84.5678% | 2,470 |
| Total domestic deposits to total assets | 71.2735% | 6,918 |
| Equity capital to assets | 20.0277% | 223 |
| Core capital (leverage) ratio | 13.3535% | 1,003 |
| Tier 1 risk-based capital ratio | 16.8895% | 2,723 |
| Total risk-based capital ratio | 17.5542% | 2,974 |
| Memoranda: | ||
| Average total assets | $2,692,272,500 | 270 |
| Average earning assets | $2,275,379,000 | 282 |
| Average equity | $558,063,500 | 178 |
| Average total loans | $1,611,122,000 | 282 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 3,455 |
| Cost of funding earning assets | 0.7664% | 5,090 |
| Net interest margin | 4.1133% | 2,376 |
| Noninterest income to average assets | 0.7202% | 2,494 |
| Noninterest expense to average assets | 2.1279% | 6,432 |
| Loan and lease loss provision to assets | 0.1066% | 5,261 |
| Net operating income to assets | 1.1687% | 1,609 |
| Return on assets (ROA) | 1.2273% | 1,544 |
| Pretax return on assets | 1.9357% | 618 |
| Return on Equity (ROE) | 6.4171% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.4171% | 1,795 |
| Net charge-offs to loans | 0.3560% | 3,626 |
| Credit loss provision to net charge-offs | 55.4324% | 5,290 |
| Earnings coverage of net charge-offs (x) | 10.1432% | 1,879 |
| Efficiency ratio | 47.9147% | 6,953 |
| Assets per employee ($millions) | 13.3262% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 6,777 |
| Loan loss allowance to noncurrent loans | 83.8150% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 5,420 |
| Noncurrent loans to loans | 0.9331% | 4,829 |
| Net loans and leases to total assets | 61.1909% | 3,743 |
| Net loans and leases to deposits | 83.4079% | 2,008 |
| Net loans and leases to core deposits | 88.0213% | 2,372 |
| Total domestic deposits to total assets | 73.3634% | 6,778 |
| Equity capital to assets | 21.4870% | 169 |
| Core capital (leverage) ratio | 13.0060% | 1,136 |
| Tier 1 risk-based capital ratio | 17.0057% | 2,602 |
| Total risk-based capital ratio | 17.6856% | 2,813 |
| Memoranda: | ||
| Average total assets | $2,814,111,400 | 256 |
| Average earning assets | $2,297,627,800 | 273 |
| Average equity | $538,216,400 | 181 |
| Average total loans | $1,520,223,200 | 300 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0032% | 3,071 |
| Cost of funding earning assets | 0.7771% | 5,296 |
| Net interest margin | 4.2261% | 2,000 |
| Noninterest income to average assets | 0.8260% | 1,939 |
| Noninterest expense to average assets | 2.1377% | 6,435 |
| Loan and lease loss provision to assets | 0.1393% | 4,700 |
| Net operating income to assets | 1.2336% | 1,562 |
| Return on assets (ROA) | 1.3102% | 1,438 |
| Pretax return on assets | 2.0961% | 522 |
| Return on Equity (ROE) | 7.0464% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.0464% | 1,945 |
| Net charge-offs to loans | 0.3606% | 3,285 |
| Credit loss provision to net charge-offs | 73.8734% | 4,357 |
| Earnings coverage of net charge-offs (x) | 11.2199% | 1,831 |
| Efficiency ratio | 46.1867% | 7,050 |
| Assets per employee ($millions) | 12.0161% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,597 |
| Loan loss allowance to noncurrent loans | 82.2434% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 5,639 |
| Noncurrent loans to loans | 1.0940% | 4,727 |
| Net loans and leases to total assets | 50.4719% | 5,640 |
| Net loans and leases to deposits | 82.3456% | 2,292 |
| Net loans and leases to core deposits | 86.7951% | 2,677 |
| Total domestic deposits to total assets | 61.2927% | 7,285 |
| Equity capital to assets | 18.1985% | 368 |
| Core capital (leverage) ratio | 11.5308% | 2,004 |
| Tier 1 risk-based capital ratio | 17.0874% | 2,612 |
| Total risk-based capital ratio | 17.8594% | 2,771 |
| Memoranda: | ||
| Average total assets | $2,871,318,500 | 249 |
| Average earning assets | $2,328,668,500 | 271 |
| Average equity | $533,895,750 | 184 |
| Average total loans | $1,501,672,000 | 302 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2516% | 2,058 |
| Cost of funding earning assets | 0.8065% | 5,321 |
| Net interest margin | 4.4451% | 1,255 |
| Noninterest income to average assets | 1.0556% | 1,179 |
| Noninterest expense to average assets | 2.2085% | 6,362 |
| Loan and lease loss provision to assets | 0.2125% | 3,790 |
| Net operating income to assets | 1.3450% | 1,206 |
| Return on assets (ROA) | 1.4073% | 1,127 |
| Pretax return on assets | 2.2585% | 377 |
| Return on Equity (ROE) | 7.5114% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.5114% | 1,652 |
| Net charge-offs to loans | 0.5919% | 2,339 |
| Credit loss provision to net charge-offs | 68.0272% | 4,112 |
| Earnings coverage of net charge-offs (x) | 7.5975% | 2,197 |
| Efficiency ratio | 44.2292% | 7,225 |
| Assets per employee ($millions) | 12.0950% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 6,673 |
| Loan loss allowance to noncurrent loans | 34.2390% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 1.3245% | 4,256 |
| Noncurrent loans to loans | 2.6124% | 2,762 |
| Net loans and leases to total assets | 48.9743% | 5,950 |
| Net loans and leases to deposits | 78.8978% | 2,980 |
| Net loans and leases to core deposits | 82.8156% | 3,389 |
| Total domestic deposits to total assets | 62.0732% | 7,350 |
| Equity capital to assets | 17.7040% | 410 |
| Core capital (leverage) ratio | 10.7150% | 2,502 |
| Tier 1 risk-based capital ratio | 16.4770% | 2,754 |
| Total risk-based capital ratio | 17.2248% | 2,953 |
| Memoranda: | ||
| Average total assets | $2,823,079,000 | 253 |
| Average earning assets | $2,239,737,670 | 283 |
| Average equity | $528,903,000 | 187 |
| Average total loans | $1,490,205,670 | 309 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 3,033 |
| Cost of funding earning assets | 0.6995% | 6,143 |
| Net interest margin | 4.3158% | 1,515 |
| Noninterest income to average assets | 0.3503% | 5,098 |
| Noninterest expense to average assets | 2.3904% | 5,910 |
| Loan and lease loss provision to assets | 0.2951% | 2,799 |
| Net operating income to assets | 0.7770% | 3,132 |
| Return on assets (ROA) | 0.8588% | 2,807 |
| Pretax return on assets | 1.3387% | 1,914 |
| Return on Equity (ROE) | 4.4466% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.4466% | 3,509 |
| Net charge-offs to loans | 0.7324% | 1,753 |
| Credit loss provision to net charge-offs | 73.6920% | 3,288 |
| Earnings coverage of net charge-offs (x) | 3.7601% | 2,641 |
| Efficiency ratio | 56.2680% | 6,473 |
| Assets per employee ($millions) | 9.9673% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 6,578 |
| Loan loss allowance to noncurrent loans | 32.1328% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 1.5704% | 3,894 |
| Noncurrent loans to loans | 2.9317% | 2,560 |
| Net loans and leases to total assets | 51.5408% | 5,641 |
| Net loans and leases to deposits | 80.3595% | 2,646 |
| Net loans and leases to core deposits | 84.0233% | 3,156 |
| Total domestic deposits to total assets | 64.1378% | 7,367 |
| Equity capital to assets | 18.1858% | 358 |
| Core capital (leverage) ratio | 11.7910% | 1,683 |
| Tier 1 risk-based capital ratio | 15.5614% | 3,131 |
| Total risk-based capital ratio | 16.3485% | 3,336 |
| Memoranda: | ||
| Average total assets | $2,710,653,000 | 269 |
| Average earning assets | $2,227,166,000 | 286 |
| Average equity | $523,551,500 | 187 |
| Average total loans | $1,482,220,500 | 312 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8476% | 5,240 |
| Cost of funding earning assets | 0.9519% | 5,924 |
| Net interest margin | 3.8957% | 3,508 |
| Noninterest income to average assets | 0.3778% | 5,077 |
| Noninterest expense to average assets | 2.7177% | 4,914 |
| Loan and lease loss provision to assets | 0.4362% | 3,507 |
| Net operating income to assets | 0.2001% | 5,260 |
| Return on assets (ROA) | 0.2001% | 5,437 |
| Pretax return on assets | 0.2337% | 5,398 |
| Return on Equity (ROE) | 0.9717% | 5,707 |
| Retained earnings to average equity (ytd only) | 0.9717% | 5,064 |
| Net charge-offs to loans | 0.5434% | 3,432 |
| Credit loss provision to net charge-offs | 128.3098% | 3,127 |
| Earnings coverage of net charge-offs (x) | 1.9706% | 4,253 |
| Efficiency ratio | 73.4303% | 3,502 |
| Assets per employee ($millions) | 8.7268% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 6,291 |
| Loan loss allowance to noncurrent loans | 27.6417% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 2.1274% | 3,180 |
| Noncurrent loans to loans | 3.6864% | 2,017 |
| Net loans and leases to total assets | 57.1204% | 5,165 |
| Net loans and leases to deposits | 84.7576% | 2,331 |
| Net loans and leases to core deposits | 89.0995% | 2,877 |
| Total domestic deposits to total assets | 67.3926% | 7,347 |
| Equity capital to assets | 20.6038% | 228 |
| Core capital (leverage) ratio | 12.7046% | 1,242 |
| Tier 1 risk-based capital ratio | 16.3829% | 2,575 |
| Total risk-based capital ratio | 17.3257% | 2,675 |
| Memoranda: | ||
| Average total assets | $2,521,935,000 | 284 |
| Average earning assets | $1,948,453,600 | 324 |
| Average equity | $519,404,800 | 184 |
| Average total loans | $1,577,547,200 | 296 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 4,520 |
| Cost of funding earning assets | 0.9963% | 5,953 |
| Net interest margin | 4.0672% | 2,777 |
| Noninterest income to average assets | 0.4062% | 4,906 |
| Noninterest expense to average assets | 2.6573% | 5,077 |
| Loan and lease loss provision to assets | 0.2117% | 4,950 |
| Net operating income to assets | 0.4437% | 4,572 |
| Return on assets (ROA) | 0.4437% | 4,758 |
| Pretax return on assets | 0.6343% | 4,470 |
| Return on Equity (ROE) | 2.1545% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.1545% | 4,883 |
| Net charge-offs to loans | 0.2609% | 4,387 |
| Credit loss provision to net charge-offs | 127.2265% | 3,202 |
| Earnings coverage of net charge-offs (x) | 5.0852% | 2,856 |
| Efficiency ratio | 69.1785% | 4,227 |
| Assets per employee ($millions) | 8.5495% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 6,946 |
| Loan loss allowance to noncurrent loans | 25.3635% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 2.0808% | 3,364 |
| Noncurrent loans to loans | 3.2555% | 2,435 |
| Net loans and leases to total assets | 63.3888% | 4,238 |
| Net loans and leases to deposits | 86.7493% | 2,193 |
| Net loans and leases to core deposits | 90.1830% | 3,070 |
| Total domestic deposits to total assets | 73.0713% | 7,025 |
| Equity capital to assets | 20.7558% | 245 |
| Core capital (leverage) ratio | 12.6875% | 1,342 |
| Tier 1 risk-based capital ratio | 16.5223% | 2,549 |
| Total risk-based capital ratio | 17.3305% | 2,673 |
| Memoranda: | ||
| Average total assets | $2,519,723,500 | 281 |
| Average earning assets | $1,918,731,500 | 326 |
| Average equity | $518,896,500 | 182 |
| Average total loans | $1,606,815,750 | 295 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 4,976 |
| Cost of funding earning assets | 1.0034% | 6,120 |
| Net interest margin | 3.9887% | 3,072 |
| Noninterest income to average assets | 0.3926% | 4,966 |
| Noninterest expense to average assets | 2.6635% | 5,066 |
| Loan and lease loss provision to assets | 0.1588% | 5,298 |
| Net operating income to assets | 0.4760% | 4,434 |
| Return on assets (ROA) | 0.4760% | 4,586 |
| Pretax return on assets | 0.6985% | 4,246 |
| Return on Equity (ROE) | 2.3175% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.3175% | 4,682 |
| Net charge-offs to loans | 0.2427% | 4,142 |
| Credit loss provision to net charge-offs | 102.6694% | 3,970 |
| Earnings coverage of net charge-offs (x) | 5.5426% | 2,643 |
| Efficiency ratio | 68.8248% | 4,423 |
| Assets per employee ($millions) | 8.4092% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 7,111 |
| Loan loss allowance to noncurrent loans | 24.3844% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 2.0399% | 3,452 |
| Noncurrent loans to loans | 3.1320% | 2,560 |
| Net loans and leases to total assets | 64.6337% | 4,126 |
| Net loans and leases to deposits | 88.4911% | 2,095 |
| Net loans and leases to core deposits | 92.6283% | 2,897 |
| Total domestic deposits to total assets | 73.0398% | 7,095 |
| Equity capital to assets | 20.7267% | 250 |
| Core capital (leverage) ratio | 12.3651% | 1,464 |
| Tier 1 risk-based capital ratio | 15.6983% | 2,806 |
| Total risk-based capital ratio | 16.4301% | 3,023 |
| Memoranda: | ||
| Average total assets | $2,518,927,000 | 281 |
| Average earning assets | $1,975,489,000 | 315 |
| Average equity | $517,367,330 | 181 |
| Average total loans | $1,605,071,330 | 294 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 6,743 |
| Cost of funding earning assets | 1.0356% | 6,200 |
| Net interest margin | 3.4879% | 5,212 |
| Noninterest income to average assets | 0.3927% | 4,973 |
| Noninterest expense to average assets | 2.7146% | 4,838 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2778% | 5,380 |
| Return on assets (ROA) | 0.2778% | 5,511 |
| Pretax return on assets | 0.3744% | 5,363 |
| Return on Equity (ROE) | 1.3587% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.3587% | 5,266 |
| Net charge-offs to loans | 0.0932% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.3784% | 2,233 |
| Efficiency ratio | 79.8100% | 2,595 |
| Assets per employee ($millions) | 8.6377% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 6,817 |
| Loan loss allowance to noncurrent loans | 20.0368% | 7,007 |
| Noncurrent assets plus other real estate owned to assets | 2.3832% | 3,046 |
| Noncurrent loans to loans | 4.5388% | 1,642 |
| Net loans and leases to total assets | 52.0285% | 6,270 |
| Net loans and leases to deposits | 71.0352% | 5,197 |
| Net loans and leases to core deposits | 74.8247% | 5,408 |
| Total domestic deposits to total assets | 73.2433% | 7,138 |
| Equity capital to assets | 20.4065% | 265 |
| Core capital (leverage) ratio | 11.8744% | 1,711 |
| Tier 1 risk-based capital ratio | 18.3661% | 1,855 |
| Total risk-based capital ratio | 19.2052% | 1,923 |
| Memoranda: | ||
| Average total assets | $2,521,217,000 | 292 |
| Average earning assets | $1,949,036,000 | 325 |
| Average equity | $515,481,000 | 181 |
| Average total loans | $1,588,795,500 | 306 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 5,332 |
| Cost of funding earning assets | 1.1573% | 6,803 |
| Net interest margin | 4.1106% | 2,407 |
| Noninterest income to average assets | 0.4237% | 5,015 |
| Noninterest expense to average assets | 2.7000% | 5,396 |
| Loan and lease loss provision to assets | 0.1613% | 6,074 |
| Net operating income to assets | 0.6207% | 3,253 |
| Return on assets (ROA) | 0.6207% | 3,320 |
| Pretax return on assets | 0.9844% | 2,645 |
| Return on Equity (ROE) | 3.1959% | 4,415 |
| Retained earnings to average equity (ytd only) | 3.1959% | 2,920 |
| Net charge-offs to loans | 0.0548% | 6,551 |
| Credit loss provision to net charge-offs | 418.3267% | 753 |
| Earnings coverage of net charge-offs (x) | 29.7141% | 775 |
| Efficiency ratio | 63.4923% | 5,868 |
| Assets per employee ($millions) | 7.9230% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 7,427 |
| Loan loss allowance to noncurrent loans | 21.3271% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 2.3252% | 2,971 |
| Noncurrent loans to loans | 3.1589% | 2,423 |
| Net loans and leases to total assets | 73.1126% | 2,476 |
| Net loans and leases to deposits | 100.0342% | 901 |
| Net loans and leases to core deposits | 112.2282% | 2,675 |
| Total domestic deposits to total assets | 73.0876% | 7,142 |
| Equity capital to assets | 20.4853% | 274 |
| Core capital (leverage) ratio | 11.3882% | 1,979 |
| Tier 1 risk-based capital ratio | 13.8214% | 3,619 |
| Total risk-based capital ratio | 14.4774% | 3,940 |
| Memoranda: | ||
| Average total assets | $2,603,800,600 | 282 |
| Average earning assets | $2,167,633,200 | 302 |
| Average equity | $505,686,000 | 182 |
| Average total loans | $1,831,881,200 | 287 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 5,726 |
| Cost of funding earning assets | 1.2042% | 6,874 |
| Net interest margin | 4.0366% | 2,651 |
| Noninterest income to average assets | 0.4323% | 5,028 |
| Noninterest expense to average assets | 2.7171% | 5,254 |
| Loan and lease loss provision to assets | 0.1117% | 6,252 |
| Net operating income to assets | 0.6091% | 3,581 |
| Return on assets (ROA) | 0.6091% | 3,629 |
| Pretax return on assets | 0.9701% | 2,993 |
| Return on Equity (ROE) | 3.1781% | 4,710 |
| Retained earnings to average equity (ytd only) | 3.1781% | 3,536 |
| Net charge-offs to loans | 0.0537% | 6,174 |
| Credit loss provision to net charge-offs | 298.9130% | 1,386 |
| Earnings coverage of net charge-offs (x) | 28.9565% | 953 |
| Efficiency ratio | 64.7012% | 5,616 |
| Assets per employee ($millions) | 8.7100% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5357% | 7,666 |
| Loan loss allowance to noncurrent loans | 18.5741% | 7,166 |
| Noncurrent assets plus other real estate owned to assets | 2.1803% | 3,124 |
| Noncurrent loans to loans | 2.8841% | 2,639 |
| Net loans and leases to total assets | 75.1912% | 2,197 |
| Net loans and leases to deposits | 110.6808% | 438 |
| Net loans and leases to core deposits | 125.2106% | 1,797 |
| Total domestic deposits to total assets | 67.9352% | 7,582 |
| Equity capital to assets | 19.2529% | 393 |
| Core capital (leverage) ratio | 10.8362% | 2,540 |
| Tier 1 risk-based capital ratio | 12.4920% | 4,544 |
| Total risk-based capital ratio | 13.0142% | 5,129 |
| Memoranda: | ||
| Average total assets | $2,626,851,250 | 290 |
| Average earning assets | $2,190,763,750 | 315 |
| Average equity | $503,480,500 | 188 |
| Average total loans | $1,827,664,000 | 299 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2616% | 5,820 |
| Cost of funding earning assets | 1.3007% | 6,806 |
| Net interest margin | 3.9609% | 2,860 |
| Noninterest income to average assets | 0.4480% | 4,867 |
| Noninterest expense to average assets | 2.7654% | 5,113 |
| Loan and lease loss provision to assets | 0.1298% | 5,803 |
| Net operating income to assets | 0.5679% | 3,818 |
| Return on assets (ROA) | 0.5679% | 3,931 |
| Pretax return on assets | 0.8516% | 3,503 |
| Return on Equity (ROE) | 2.9674% | 4,912 |
| Retained earnings to average equity (ytd only) | 2.9674% | 3,670 |
| Net charge-offs to loans | 0.0324% | 6,003 |
| Credit loss provision to net charge-offs | 592.3345% | 788 |
| Earnings coverage of net charge-offs (x) | 44.7909% | 750 |
| Efficiency ratio | 66.7054% | 5,418 |
| Assets per employee ($millions) | 8.4477% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5342% | 7,750 |
| Loan loss allowance to noncurrent loans | 24.0415% | 6,894 |
| Noncurrent assets plus other real estate owned to assets | 1.6629% | 3,699 |
| Noncurrent loans to loans | 2.2221% | 3,229 |
| Net loans and leases to total assets | 74.4331% | 2,585 |
| Net loans and leases to deposits | 105.5467% | 795 |
| Net loans and leases to core deposits | 120.1386% | 2,361 |
| Total domestic deposits to total assets | 70.5215% | 7,417 |
| Equity capital to assets | 18.9007% | 467 |
| Core capital (leverage) ratio | 12.1876% | 1,755 |
| Tier 1 risk-based capital ratio | 12.2047% | 4,747 |
| Total risk-based capital ratio | 12.7046% | 5,355 |
| Memoranda: | ||
| Average total assets | $2,619,852,330 | 297 |
| Average earning assets | $2,181,914,670 | 323 |
| Average equity | $501,378,000 | 190 |
| Average total loans | $1,769,661,330 | 313 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 6,089 |
| Cost of funding earning assets | 1.5062% | 6,383 |
| Net interest margin | 3.7503% | 3,653 |
| Noninterest income to average assets | 0.5051% | 4,283 |
| Noninterest expense to average assets | 2.7378% | 4,838 |
| Loan and lease loss provision to assets | 0.0308% | 6,545 |
| Net operating income to assets | 0.5857% | 4,076 |
| Return on assets (ROA) | 0.5857% | 4,269 |
| Pretax return on assets | 0.8445% | 3,907 |
| Return on Equity (ROE) | 3.0413% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.0413% | 4,188 |
| Net charge-offs to loans | 0.0215% | 5,254 |
| Credit loss provision to net charge-offs | 224.7191% | 2,026 |
| Earnings coverage of net charge-offs (x) | 63.8090% | 622 |
| Efficiency ratio | 68.0901% | 4,953 |
| Assets per employee ($millions) | 7.7880% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5726% | 7,716 |
| Loan loss allowance to noncurrent loans | 86.8397% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 6,206 |
| Noncurrent loans to loans | 0.6594% | 5,754 |
| Net loans and leases to total assets | 65.2840% | 4,751 |
| Net loans and leases to deposits | 91.1514% | 2,750 |
| Net loans and leases to core deposits | 107.3289% | 3,760 |
| Total domestic deposits to total assets | 71.6216% | 7,265 |
| Equity capital to assets | 20.1141% | 413 |
| Core capital (leverage) ratio | 11.2764% | 2,293 |
| Tier 1 risk-based capital ratio | 14.0583% | 3,550 |
| Total risk-based capital ratio | 14.5707% | 3,898 |
| Memoranda: | ||
| Average total assets | $2,595,044,500 | 301 |
| Average earning assets | $2,150,637,000 | 325 |
| Average equity | $499,792,500 | 187 |
| Average total loans | $1,655,672,500 | 332 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7334% | 6,668 |
| Cost of funding earning assets | 1.8660% | 6,832 |
| Net interest margin | 3.8674% | 3,714 |
| Noninterest income to average assets | 0.4536% | 5,012 |
| Noninterest expense to average assets | 2.7168% | 5,193 |
| Loan and lease loss provision to assets | 0.1300% | 5,709 |
| Net operating income to assets | 0.6264% | 4,202 |
| Return on assets (ROA) | 0.6290% | 4,038 |
| Pretax return on assets | 0.7885% | 4,113 |
| Return on Equity (ROE) | 3.4515% | 5,063 |
| Retained earnings to average equity (ytd only) | -1.4249% | 5,716 |
| Net charge-offs to loans | 0.0867% | 5,508 |
| Credit loss provision to net charge-offs | 237.5569% | 1,989 |
| Earnings coverage of net charge-offs (x) | 16.7310% | 1,822 |
| Efficiency ratio | 67.3198% | 4,845 |
| Assets per employee ($millions) | 8.2506% | 432 |
| Cash dividends to net income (ytd only)* | 141.2828% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5528% | 7,765 |
| Loan loss allowance to noncurrent loans | 143.9969% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 6,616 |
| Noncurrent loans to loans | 0.3839% | 6,191 |
| Net loans and leases to total assets | 61.7412% | 5,659 |
| Net loans and leases to deposits | 83.6057% | 4,479 |
| Net loans and leases to core deposits | 96.5819% | 5,195 |
| Total domestic deposits to total assets | 73.8480% | 6,678 |
| Equity capital to assets | 18.4701% | 604 |
| Core capital (leverage) ratio | 10.3276% | 3,148 |
| Tier 1 risk-based capital ratio | 12.7663% | 4,248 |
| Total risk-based capital ratio | 13.2334% | 4,727 |
| Memoranda: | ||
| Average total assets | $2,813,200,400 | 268 |
| Average earning assets | $2,312,055,800 | 296 |
| Average equity | $512,671,200 | 185 |
| Average total loans | $1,775,368,000 | 309 |